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HomeMy WebLinkAbout13-5032 Supreme Cou sofPennsylvania t Cour_•o �Co.mmon'Pleas For Prothonotary Use Only: >< ver 1 o -heet S Docket No: CUM IUV14 q County The information collected o this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S X Complaint 3 Writ of Summons FIJI Petition 0 Transfer from Another Jurisdiction Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: DEUTSCHE BANK NATIONAL TRUST COMPANY, AS J1 COFER LYBRAND AND FRITZEL L. LYBRAND T Dollar Amount Requested: D within arbitration limits I Are money damages requested? M Yes 0 No (check one) [E outside arbitration limits 0 N Is this a Class Action Suit? 0 Yes nx No Is this an MDJAppeal? 0 Yes [0 No r A Name of Plaintiff /Appellant's Attorney: GREGORY JAVARDIAN, ESQUIRE Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that G you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS El Intentional ❑' Buyer Plaintiff Administrative Agencies n Malicious Prosecution i Debt Collection: Credit Card El Board of Assessment Motor Vehicle _! Debt Collection: Other Board of Elections `j, Nuisance Dept. of Transportation -J Premises Liability Statutory Appeal: Other S C [_I Product Liability (does not include mass tort) Employment Dispute: E 0 Slander/Libel /Defamation Discrimination C Other: ❑' Employment Dispute: Other D Zoning Board f_J Other: T T J Other: O MASS TORT 0 Asbestos N 0 Tobacco Cn Toxic Tort -DES El Toxic Tort -Implant REAL PROPERTY MISCELLANEOUS �_i Toxic Waste 0 Ejectment fJ Common Law /Statutory Arbitration B - ii Other: F7 Eminent Domain/Condemnation 0 Declaratory Judgment 1 Ground Rent I-J Mandamus J Landlord/Tenant Dispute 3 Non- Domestic Relations Lxi j Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY l Mortgage Foreclosure: Commercial 0_ Quo Warranto Fil Dental =i Partition -1 Replevin J Legal D Quiet Title 0 Other: C] Medical ❑i Other: _j Other Professional: Updated 1/1/2011 r LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE ID. NO. 55669 + v MARY F. KENNEDY, ESQUIRE ID. NO. 77149 ^ ''' ^; 7 J' .- MEGHAN K. BOYLE, ESQUIRE ID. NO. 201661 C1,��,•;� SEAN P. MAYS, ESQUIRE ID NO. 307518 r r�- �f1�ro( j RICHARD J. NALBANDIAN, III, ESQUIRE ID NO. 312653 1310 INDUSTRIAL BOULEVARD 1 FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST 2006 -1 CIVIL DIVISION ONE HOME LOAN PLAZA, SUITE 3 WARWICK, RI 02886 CUMBERLAND COUNTY PLAINTIFF. VS. NO. COFER LYBRAND FRITZEL L. LYBRAND COMPLAINT IN 251 PINE GROVE ROAD MORTGAGE FORECLOSURE GARDNERS, PA 17324 DEFENDANTS 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 defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717 - 249 -3166 S 800 - 990 -9108 {00024652} CV# s 60 q C 'a-d 0 0- IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.0 § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. {00024652} LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE ID: NO. 55669 MARY F. KENNEDY, ESQUIRE ID. NO. 77149 MEGHAN K. BOYLE, ESQUIRE ID. NO. 201661 SEAN P. MAYS, ESQUIRE ID NO. 307518 RICHARD J. NALBANDIAN, III, ESQUIRE ID NO. 312653 1310 INDUSTRIAL BOULEVARD 1 sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST 2006 -1 CIVIL DIVISION ONE HOME LOAN PLAZA, SUITE 3 WARWICK, RI 02886 CUMBERLAND COUNTY PLAINTIFF VS. NO. COFER LYBRAND FRITZEL L. LYBRAND COMPLAINT IN 251 PINE GROVE ROAD MORTGAGE FORECLOSURE GARDNERS, PA 17324 DEFENDANTS CIVIL, ACTION MORTGAGE FORECLOSURE 1. Deutsche Bank National Trust Company, as Trustee for Home Loan Mortgage Loan Trust 2006 -1 (hereinafter referred to as "Plaintiff') is an Institution conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption hereof. 2. Cofer Lybrand and Fritzel L. Lybrand (hereinafter referred to as "Defendants ") are adult individuals residing at the address indicated in the caption hereof. 3. Plaintiff brings this action to foreclose on the mortgage between Defendants and itself as Mortgagee by Assignment. The Mortgage, dated November 28, 2006, was recorded on December 12, 2006 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Book 1976, Page 152. A copy of the Mortgage is attached and made a part hereof as Exhibit `A'. Plaintiff is now the legal owner of the mortgage and in the process of formalizing an assignment of same. {00024652} 4. The Mortgage secures the indebtedness of a Note executed by Cofer Lybrand on November 28, 2006 in the original principal amount of $51,500.00 payable to Plaintiff in monthly installments with an interest rate beginning at 8.75% and currently at 5 %. A copy of the Note is attached and made a part hereof as Exhibit `B'. 5. The land subject to the mortgage is 251 Pine Grove Road, Gardners, PA 17324. A copy of the Legal Description is attached as part of the Mortgage as Exhibit `A' and incorporated herein. 6. The Defendants are the Record Owners of the mortgaged property located at 251 Pine Grove Road, Gardners, PA 17324. 7. The Mortgage is now in default due to the failure of Defendants to make payments as they become due and owing. As a result of the default, the following amounts are due form 04/02/2013 through 08/19/2013: Principal Balance $62,087.83 Interest to 08/19/2013 $1,438.09 Accumulated Late Charges $1,282.77 BPO $95.00 Property Inspections $55.00 Cost of Suit and Title Search $550.00 Attorney's Fees $1,300.00 TOTAL $66,808.69 plus interest from 08/20/2013 at $8.50 per day, costs of suit and attorney's fees. 8. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchase at Sheriff's sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 9. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Intention to Foreclose ( "Act 6 Notice ") 41 P.S. Section 403 and Notice of Homeowners' Emergency Mortgage Assistance ( "Act 91 Notice ") 35 P.S. Section 1680.403c. {00024652} 10. The Notice of Intention to Foreclose and Notice of Homeowners' Emergency Mortgage Assistance were required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendants by regular and certified mail on June 6, 2013. A copy of the Notice is attached and made a part hereof as Exhibit `C'. WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendants, in the sum of $66,808.69 together with the interest from 08/20/2013 at $8.50 per day, costs of suit and attorney fees. LAW OFFICES OF GREGORY JAVARDIAN BY: ` Greg ry Java dian, uire Id. No. 55669 ❑ Maly F. Kennedy, quire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 ❑Sean P. Mays, Esquire Id. No. 307518 []Richard J. Nalbandian, III, Esquire Id. No. 312653 Attorneys for Plaintiff 100024652} EXHIBIT `A' Prepared By: -+KAY' A SS ' }�' Ocean Bank, F.S.B. Suite Three T :"-. ` i ` ` t ' One Home Loan Plaza, Warwick, Rhode Island 02886 -1765 , 1- 800 -223 -1700 • ,. . After Recording Return To: e4 D CSC 12 P 2 09 Ocean Bank, F.S.B. One Home Loan Plaza, Suite 3, Warwick, Rhode Island 02886'1765 1- 800 -223 -1700 UPI Number: 08 -38- 2172 -021 ISpate Above nk Line For Recording DIt l Loan Number MORTGAGE DEFINITIONS Words used irr multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "SeenAty Instrument" means this document, which is dated NOVEMBER 28, 2806, together With all Riders to this docum=L (B) "Borrower" is COFER LYBRAND and F J=L L LYBRAND. Borrower is the mortgagor under this Security InsWment- (C) "Lender" is OCEAN BANK, F.S -B-. Lender is a FEDERAL SAVINGS BANK organized and existing under the laws of THE UNITED STATES OF AMERICA- Lender's address is ONE HOME LOAN p SUITE 3 WARWICK, RHODE ISLAND 02886- 1765. Lender is the mortgagee under this Security Instrument. (D) "Note, means the promissory note signed by Borrower and dated NOVEMBER 7.8, 7.006. The Note states that Borrower owes Lender FIP"I'Y -0NE THOUSAND FIVE HUNDRED AND W100tbs Dollars (U.S.$51,500.00) plus mtestst. Borrower has promised to pay this debt m regular Periodic Payments and to pay the debt in full not later than DECEMBER 2, 2036. (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Loin" meant the debt evidenced by the Note, Plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ® Adjustable Rate Rider O Condominium Rider [3 Second Home Rider O Balloon Rider 0 Planned Unit Development Rider 0 Other(s) [specify] 01-4 Family Rider 0 Biweekly Payment Rider l'EPiNSYI.VANIA- Single Famih+ -Fade M._T_. d . Mae LW"RM INWRUMpff Form 3039 1/Ol (page 1 oj14 PaSes) 8K i 97.6PG0152 (g) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable Association (1) "C ommuni " means all dues, fees, assessm and other (n "Cty ciation Daes, Fees, and A� charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (j) "Electronic Funds Transfer" means any transfer of finds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instiuct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited -t point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miseethneous . Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of� the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresantations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrowefs obligations under the Note and/or this Security Instniment. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the County of CUMBERLAND (Type of Recording Jurisdiction) (Name of Recording Jurisdiction] SEE ATTACHED SCHEDULE A PENNSYLVANIA - Single Family-Fumie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 1/01 (page 2 of 14 pages) 8K 1976PGO 153 which currently has the address of 251 PINE GROVE RD (Street) GARDNERS . Pennsylvania 17324 ("ftpertY Address "): [city] (zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the " Property. " RROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to age, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will Mend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real UNIFORM COVENANTS. Borrower and Lender covenant an agree as follows: ate Cha rges. Borrower 1. Payment of Principal, Interest, Escrow Items, Pre ent Charges, any prepayment shall pay when due the principal of, and interest on, the debt evidenced Escrow items pursuant to charges and late charges due under the Note. Borrower shall also pay in U.S. currency- Section 3. Payments due under the Note and this Security Instrument shall be ma Note or this Security However, if any check or other instrument received by Lender as payment under due under the Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments Note and this Security Instrument be made in one or more of the following forms, as selected by Lender. (a) cash; (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender m accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. FENNSYLVANIA- Single Family - Fannie MsdFred&e Mse UNIFORM IN9TRUMEDr[ Form 3039 1/01 (page 3 of 14 paged C,,� . BK1976PGO154 Lender may hold such unapplied finds until Borrower makes payment to bring the Loan current. If Borrower to does not do so within a reasonable period of time, Lender shall either apply such funds err the Note balance Borrower. If not applied earlier, such funds will be applied to the outstanding p or in the future against immediately prior to foreclosure. No offset or claim which Borrower might have now Lender shall relieve Borrower firm making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Appllcation of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and lied by Lender shall be applied in the following order of priority: (a) interest due under the is due under Section 3. S Note; (b) Principal due ruder the Note; (c) amour payments shall be applied to shall be applied first to each Periodic Payment in the order in which ich it became due. Any remaining late charges, second to any other amounts due under this Security Instrument, and amounts h reduce the principal balance of the Note. hi a sufficieat If Lender receives a payment fronm Borrower for a delinquent Periodic Pa which payment and the late charge. amount to pay any late charge due, the payment may be applied to the delinquent p If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the the repayment of the Periodic Payments if, and to the extent that, each payment can iv paid in frill. To extent that any excess exists after the payment is applied to the full payment of one rm re Periodic Ymen y app first to such excess may be applied to any late charges doe. Voluntary prepayments prepayment charges and then as described in the Note. due under the Any application of payments, insurance proceeds, or Mi sce ll aneous Proceeds to principal Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds') to provide for payment of amounts due for (a) taxes and assessments and other items which can attain priority over this Security Instrument as alien or encumbrance on the Property, (b) leasehold payments or ground rents on the Property, if any; (c) Premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance pnmiwns, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "EscrowonB,mah or at any time daring the term on � of the Loan, Lender may require that Community F and Assessments, i any, be Promptl escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Burrower shaU the Funds furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items a such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall frnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all Purposes be deemed to be a covenant and agreement contained in this Security h>strument, as the phrase meat" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant "covenant and agree s rights under to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its Lender any Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of firture Escrow Items or otherwise in accordance with Applicable Law. PENNMVANU Single Family- Fanare MadFreddle Mae UNIFORM INSMUMENT Form 3039 1/01 (page 4 of l4 pager) �iI976PGO15.5 The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such ' a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Fins. Lender shall give to Borrower, without charge, an annual accounting of the finds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess finds in accordance with RESPA. If r is � O Funds he shall escrow, as de fined Lender the under RESPA, Lender shall notify Borrower as required by amount necessary to make up the shortage in accordance with RESPA, but in no mare than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Leader shall notify Borrower as required by RESPA, and Borrower shall Pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more t ha n 1 S monthlInstra pa Lender shall promptly refund to Upon payment in full of all sums secured by t Borrower any Funds held by Lender. impositions attributable 4. Charges; Lielm Borrower shall pay all taxes, charges, �, and � to the Property which can attain priority over this Security Instrument leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower; (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performin8 such agreement; (b) contests the hen in good Earth by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion Operate to P revent con cluded, enforcement of the lien while those proceedings are pending, but only until such proceedings are (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. Property Insurance. Borrower shall keep the improvements now custmg or hereafter erected on the p insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change &mg the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonablY. Leader may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the of any flood zone determination Federal Emergency Management Agency' in connection with the review resulting from an objection by Borrower. PENNSYLVANIA- Single FamHy- Fannie MadFreddh Mae UNIFORM INSTRUMENT Form 3039 1/01 (page S of 14 pages) C.z. BK 19 l 6 PG 0156 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lendees option and Borrowers expense. Lender is under no obligation to purcbase any particular type or amount of coverage. Therefore, such coverage shall cover Leader, but might or might not protect Borrower' Borrower's equity in the, Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fiom the date of disbursement and shall be payable, with such interest, upon no t i ce from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lendds right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sban promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of; the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lendeds security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the weak has been completed to Leader's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. U an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrowers rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. P .MSYLVANU_ Single Fam�7y_Fannk MadFredme Mae iJNwoRM iNumumENT Form 3039 1101 (page 6 of 14 pages) BKI976PG-0157 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in vafie due to its condition. Unless it is determined pursuant to Section S that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid fiuther deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection spoeifying such reasonable cause. S. Borrower's Loan Application. Borrower shall be in default it during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security bstrmeaent. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Properly and/or rights under this Security Instrument (such as a proceeding in bankruptcy, proms, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) Paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instalment, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts dmbmscd by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting Payment If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. PzNNSYLVANrA- Single Family -F_de Madvre&& Mae UNIFORM mwRUMENr Form 3039 1/01 (page 7 o pages) BKI976 PGO158 10. Mortgage Insurance. if Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. It for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payment`: toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage In.. previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non- nfimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (m the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insursace in effect, or to provide a non - refundable loss rrescrve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower sad Lender providing for such termination or until termination is required by Applicable Law- Nothing in this Section 10 affects Bomowees obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage ins = evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurers risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurers risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements w in got increase the amount Borrower will owe for Mortgage Insurance, and they will not =title Borrower to any refuid. (b) Any such agreements will not affect the rights Borrower has - U any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disdosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated astomaticaiiy, and/or to receive a reftad of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender - PENNSYLVANIA- Single Family -Fade mwffreddle Mac UNIFORM INSTRUMENT Form 3039 1101 (pagr 8 of lI paged C'z— BK f 976PGO 159 If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. Deering such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if arty, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the surns secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the" Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lenders interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest m the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. PENNSYLVANIA- Single Family- Faaare Mae/Freddie Mae UNIFORM I iMtrMEN7' Form 3039 1/01 (page 9 of 14 pages) 8K1976PGO160 12. Borrower Not Released; Forbearance By Leader Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Harrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right cc remedy incbx ttg, without limitation, Lendcfs acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and ANIVIs Board. Borrower covenants and agrees that Bomower's obligations and liability shall be joint and several. However, any Harrower who co -signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co- signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signet's consent Subject to the previsions of Section 18, any Successor in Interest of Borrower who assumes Borrowers obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrowers rights and benefits under this Security Instrument. Borrower shall not be released from Borrowers obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shalt bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers dcfwA for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inRxxdm and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Harrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refimdcd to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by malting a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrowers change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one PMNSYLVANTA -S-p)e Fan ilyFannk Mav7reddie Mac UNIFORM INSTRMUNT Form 3039 1/01 (page 10 oj14 pages) 8K1976 PGO161 designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; SeverabWW, Rules of Construrction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender atoll mean and inchnde corresponding neuter words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa; and (c) the word " may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a BenefkW Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lenders prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Relusbnte After Acceleration. If Borrower meets certain conditions„ Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order, (c) certified check, bank check, treasurers check or cashier's chock, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. PENNSYLVANIA- Single Family- Faunre Mae/Freddie Mae UNIFORM I N87CRMUM Form 3039 1/01 (page 11 of 14 pages) C , ' /' ! ~, L_ B(19-76PGO16 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more tunes without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision o1; or any duty owed by reason of this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph Tie notice of acceleration and oppmt pity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section IS shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,.and radioactive materials-, (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of please of any Hazardous Substance, and (e) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower leans, or is notified by any governmental or regulatory authority, or any private party, that any removal or other nemediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. PENNSYLVANIA- Single Family- Faneie bf*vTre&%e Mae UNIFORM I MUMENT Form 3039 1/01 (page 12 oj14 pages) 8t # 976PGO 163 NON- UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Fender stall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Leader shall soft Borrower of, soon other things: (a) the default; (b) the action required to cure the default; (c) when the deituk must be cured; and (d) that failure to cure the default as specified may result In acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender stall further inform Borrower of the right to reinstate after acederadea and the right to assert in the foreclosure proceeding the non - existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate Payment in full of all sums secured by this Security InW rumeat without further demand and may foreclose this Security Instrument by judicial proceeding. Lender stall be eud" to collect all expenses incurred in pursuing the remedies provided in this Section 22, iacheding, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security instrument, this Security Instrument and the estate conveyed shall terminate and become void After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any crrot or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Bomower's time to reinstate pro vided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. PENNSYLVANIA - Single Family -Fwie MadFreddie Rue UNIFORM INsTRUbawr Form 3039 1/01 (page 13 ojl4 pages) C.k . F 4, 8Ki976PGO16 -4 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it Witnesses: (Sea) � S/9ND�/Zp C -Ba'crWff \ (Seal) S LYBRAND -Ba+mwer (Seat) (Seal) -B=OWL r - 9am.ar STATE OF PENNSYLVANIA ) COUNTY OF CUMBERLAND ) On this, the 28TH day of NOVEMBER, 2006, before me, the undersigned officer, personalty appeared COFER LYBRAND and FRr17,EL L LYBRAND , ]mown to me (or satisfaetonly proven) to be the person(s) whose name(s) is/are subscribed to the within instrument, and acimowledged that he/she/they executed the same for the purposes therein contained. In witness whereof, I hereunto set my hand and official ( ) f � Title Vf )Llwl� �OJ4 1 "7 of Officer 7 � Brarly nders�,� tk pW My Commissi Expires Wy Court bWW Expkss � Typed or printed name: / ll rr�t P L. Mehl h�fi CERTIFI&VI dW V& t do hereby certify that the correct address of the within -named lender is ONE HO-N[E 1 WAN PLAZA, SUITE 3, WARWICK, RHODE ISLAND 02886 -1'x'±65, witness my hand this ` day of Aky-f �r .. Agent of der. PENNSYLVANIA- Single Family - Fannie Mae/Freddk Mae WWORM INSTRUMENT Form 3039 1/01 (page 14 of 14 pages) BK 1976Pf O 165 Loan Number ADJUSTABLE RATE RIDER (LIBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 28TH day of NOVEMBER, 2096, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Seme Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower") to socure the Borrower's Note to OCEAN BANK, F.S.B. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 251 PINE GROVE RD, GARDNER -& PENNSYLVANIA 17324 [may A&lreSe] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender fiuther covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 8.750%. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 2ND day of DECEMBER, 2998, and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the fast Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six -month U.S, dollar- denominated deposits in the London market ( "LIBOR "), as published in 771e Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding SEVEN AND ONE -HALF percentage points (7500%) to the Current 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 rate 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 owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. MULTISTATE AMUS[AMZ RATE RMZR (imoit rtldn) -si tea rwuiy- rn&dw1twMODrP=varr=mM TOM 3102 21 1 (vaV 1 of3 vdrw) BK 19 7 6 PG016,6 (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 10.750% or less thaw &758 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE percentage point (1• /.) from the rate of interest I have been paying for the preceding six months. MY interest rate will never be greater than 14.750% or less than &750 %. (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 first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if a Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if (a) Borrower causes to be submitted to Lender information 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 covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted 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 will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If 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 given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MULTMATE _kWUs rA= RATE RWgR (LMR tode:�la Family - VMd& Mae MOUMM NOT m"T ram 3t" 101 (page 2 of 3 paps) 9K1976PGO167 BY sIG m BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. (seal) COFErNMAND -Barnower (Seal) FRTI'ZEL YBRAND - Boaower (Seal) - Borrower (seal) MUL?IS[ATE ADJUS[ASLE RATE RIDER (IJMOR Iadez} -Shl& Famgy -31nMM Mee MCDM= TMMUMiM is 3192 101 (Page s ol pages) 1976PG0 ,! 6$ ORDER #: 5518014 • Y EXHMIT A ALL THAT PARCEL OF LAND IN TOWNSHIP OF DICKINSON, CUMBERLAND COUNTY, COMMONWEALTH OF PENNSYLVANIA, AS MORE FULLY DESCRIBED IN DEED BOOK 271, PAGE 1022, M# 08-39- 2171-021, BEING KNOWN AND DESIGNATED AS PLAN OF LOTS OF TOLAND, FILED IN PLAT BOOK 3, PAGE 68, METES AND BOUNDS PROPERTY. BEING THE NORTHERN PART OF LOT NO.3 CONTAINING 7650 SQUARE FEET ACCORDING TO SURVEY BY P.S. ORNER, COUNTY SURVEYOR, DATED OCTOBER 13,1952 DEED FROM COFER LYBRAND, MARRIED AS SET FORTH IN DEED BOOK 271, PAGE 1022 DATED 09)2912005 AND RECORDED 09130/2005, CUMBERLAND COUNTY RECORDS, COMMONWEALTH OF PENNSYLVANIA. I Cc rt i fy this to be recorded I i Cumberland County PA ' Recorder of Deeds BXl976PGO169 EXHIBIT `B' i j Loan Number ADJUSTABLE RATE NOTE (LIBOR Index - Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS TAE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TRUE AND THE MAXIMUM RATE I MUST PAY. NOVEMBER 28 . 2006 GARDNERS PENNSYLVANIA [Date] 10W [state] 251 PINE GROVE RD, GARDNERS. PENNSYLVANIA 17324 Prop -y Add—) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $51,500.00 (this amount is called "Principal'), plus interest, to the order of the Lender. The Lender is OCEAN BANK, F.S.B.. I will make all payments under this Note in the form of cash, check or money order. 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." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 8.750 %. 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 Place of Payments I will pay principal and interest by making a payment every month. j I will make my monthly payments on the 2ND day of each month beginning on JANUARY 2, 2007. I will make ( these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on DECEMBER 2, 2036,1 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 ONE HOME LOAN PLAZA, SUITE 3, WARWICK, RHODE ISLAND 02986 -1765 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $405.16. This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will 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. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 2ND day of DECEMBER, 2008 and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six-month U.S. dollar- denominated deposits in the London market ( "LIBOR "), as published in The Wall Street Journal The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding SEVEN AND ONE -HALF percentage points (7.500%) to the Current 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) t below, this rounded amount will be my new interest rate until the next Change Date. The Nate Holder will then determine the amount of the monthly payment that would be sufficient to repay the i unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in ; substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes i The interest rate I am required to pay at the first Change Date will not be greater than 10.750% or less than 8.750 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE percentage point (1%) from the rate of interest I have been paying for the preceding 'six months. My interest rate will never be greater than 14.750% or less than 8.750 %. (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 first monthly payment date after the Change Date until the amount of my monthly payment changes again. MM71STATE AWMABLE RATE NOTE (LIBOR Inde*Stngle Famay— Freddie Mae MODIFIED INSTRUMENT Form 3590 1MI (page ! of, Paso) (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. S. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a 'Prepayment" When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first .Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 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: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, and (b) any sums already collected from me which exceeded ' permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe 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 FAMURE TO PAY AS REQUIRED (A) Laid Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of FIFi.EN calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 % of my overdue payment of principal and interest. I will pay this' late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is .mailed to me or delivered by other means. (D) No Waiver by Note Holder ! Even if, at a time I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay 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 elivering it or by mailing it by fast class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by -first class mail to the 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. 9. 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 may be required to pay all of the amounts owed under this Note. 10. 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 Bolder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. . 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument "), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: I MULTISTATE ADJUSTABLE RATE NOTE (LIBOR rndex)Sinate Fsmily— Freddie We MODrp= INSTRDMPNT Porn 7590 1101 (pr+ge of pogo) Transfer of the Property o.. Beneficial Interest in Borrower. If all �_ Lny part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, Ibis option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if; (a) Borrower causes to be submitted to Lender information 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 covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted 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 will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If 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 given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of ibis period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND S EAL(S) OF TIM U NDF.R.SIMED, (Seal) COFER YB aorrowv SSN: 1 3 -56 -2867 (Seal) - suROwer SSN: (Seal) Eo,rowsr SSN: (Seal) SSN; (Sign Original Only] PAY TO THE ORDER OF WITHOUT RECOURSE THIS . DAY OF OCEAN BANK, F.S.B. BY: MUL77STATE ADRWARLE RATE NOTE (LIBOR radez)—SWe Fmdly_Freddle Mee MODIFIED 1 NMUMENT Form 3590 I/01 (Doge 3 00Po8-) ADDENDUM TO NOTE NOTICE TO BORROWER DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT. THIS ADDENDUM TO THE NOTE PROVIDES FOR THE PAYMENT OF A PENALTY IF YOU WISH TO REPAY THE LOAN PRIOR TO THE DATE PROVIDED FOR REPAYMENT IN THE NOTE. THIS ADDENDUM TO NOTE ("Addendum ") is made this 28TH day of NOVEMBER, •2006 and is incorporated into and shall amend and supplement the promissory note of the same date in the principal amount of FIFTY -ONE THOUSAND FIVE HUNDRED AND 001100ths Dollars ("Note") given by the prersons signing below as borrower ( "Borrower's to OCEAN BANK, F.S.B. ("Lender') and which Note is secured by a Mortgage or Deed of Trust of the same date ("Security Instrument ") covering the property described the Security Instrument ("Property'). A. The terms used in this Addendum have the same meanings as in the Note. B. The terms of the Note are revised as follows: ' If I make a prepayment, the Note Holder may require me to pay a prepayment penalty. (For purposes of this Addendum, "Prepayment" shall be defined as the payment of twenty percent (20 %) or more of the original Note amount within any twelve (12) month period.) If I make a prepayment during the first thirty -six (36) • months from the date of the Note, I may be required to pay a prepayment penalty equal to five percent (5 %) of the amount I still owe under the Note immediately prior to my prepayment being received by the Note Holder. The Note Holder will not charge .me a prepayment penalty if I am required to pay immediately the full amounts owed under the Note because 1 am in default under'the terms of the Note or Security Instrument. I may make a prepayment any time after three (3) years from the date of the Note without being required to pay a prepayment penalty to the Note Holder. C. Except as specifically stated, above, the terms of the Note remain unchanged and in full effect. Witness l Witness Borrower Borrower Borrower Prepayment Addendum to Note 3.01 OCEAN BANK, F.S.B. ONE HOME LOAN PLAZA, SUITE 3, WARWICK. RHODE ISLAND 0268 6-1765 WITNESS ACKNOWLEDGMENT This will serve to acknowledge that on the 28TH day of NOVEMBER, 2006, COFER LYBRAND executed in my presence an original Promissory Note in favor of OCEAN BANK, F.S.B. to secure the original principal amount of $51,500.00, a copy of which is attached hereto and made part hereof. SRN (U / EXHIBIT `U (Rev. 9/2008) Date: June 6, 2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE'S - • • za Via: First Class and Certified Mail ---- ?19e �uun �ru�u 772 u 1a7 Cofer Lybrand Fritzel L. Lybrand - - 251 Pine Grove Road 251 Pine Grove Road Gardners, PA 17324 ` Gardners, PA 17324 This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing_ Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 - 1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact 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 TRADUCCI6N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO 'ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. (00013613) * (Must be at least 30 point type HOMEOWNER'S NAME(S): Cofer Lybrand and Fritzel L. Lybrand PROPERTY ADDRESS: 251 Pine Grove Road, Gardners, PA 17324 LOAN ACCT. NO.: ORIGINAL LENDER: Ocean Bank F.S.B. CURRENT LENDER/SERVICER: Deutsche Bank National Trust Company, as Trustee for Home Loan Mortgage Loan Trust 2006 -1 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face -to- face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to 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 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE ". {00013613) YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a 'decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Briny it up to date) NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 251 Pine Grove Road, Gardners, PA 17324 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 4/2/2013 - 6/2/2013 3 months at $531.02 $1593.06 Late Charges $1,237.62 Other Fees $150.00 TOTAL DUE: $2,980.68 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: ( not use if not applicable.) N/A HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice (plus three (3) days for mailing) BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,980.68, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to Home Loan Investment Bank, F.S.B. One Home Loan Plaza, Warwick, RI 02886. Contact: Tracy Hagermoser You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable N/A {00013613) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice(plus three (3) days for mailing), the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS (plus three (3) days for mailing), the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period (plus three (3) days for mailing), you will not be required to pay attorney's fees OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period (plus three (3) days for mailing) and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Home Loan Investment Bank, F.S.B. Address: One Home Loan Plaza, Warwick, RI 02886 Phone Number: 1- 800 - 223 -1700 Contact Person: Tracy Hagermoser EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or _X_ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. {00013613} YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN. ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY See attached sheets listing the agencies serving your county NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This is an attempt to collect a debt and any information obtained will be used for the purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within thirty (30) days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. 4. If you notify our offices in writing within thirty (30) days of receipt of this notice, our offices will provide you with the name and address of the original creditor, if different from the current creditor. {00013613) HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 06/0412013 10:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717- 855 -2752 717 -762 -3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717 - 234 -6616 717 - 264 -5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717 - 334 -1518 717 - 780 -3940 800 - 342 -2397 1 Der Lybrand 251 Pine Grove Road Gardners, PA 17324 SENDER: TS REFERENCE: Lybrand HomeLoan 7196 9008 9040 1772 0664 PS Form 3800 January 2005 E RETURN Postage j RECEIPT Certified Fee SERVICE Return Receipt Fee 1 05 Restricted Delivery Total Postage & Fees r p��, LISPS® POST UL DATE Receipt for C ertified Mail's No Insurance Coverage Provided Do Not Use for International Mail mizel L. Lybrand 251 Pine Grove Road Gardners, PA 17324 i j SENDER: TS REFERENCE: Lybrand HOme Loan 7196 9008 .9040 1772 0787 PS Form 3800 January 2005 i RETURN Postage RECEIPT Certified Fee SERVICE Return Receipt Fee Restricted Delivery Total Postage & Fees / ^ ,I ` USPS POSTMARK OR DATE, � Receipt for Certified hail i No insurance Coverage Provided Do Not Use for International Mail u.. VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Name: 8rlan ' 1 Title: Deutsche Bank Nati o Trust Company, as Trustee for Home Loan Mortgage Loan Trust 2006 -1 by Home Loan and Investment Bank Servicing Officers {00022394} LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE ID. NO. 55669 ; r I * I ,;" r, �, a - .; MARY F. KENNEDY, ESQUIRE ID. NO. 77149 [1j'_ L: C . a MEGHAN K. BOYLE, ESQUIRE ID. NO. 201661 HR L A HID C C; U i`1 Y SEAN P. MAYS, ESQUIRE ID NO. 307518 PEINNS L IVAJjj RICHARD J. NALBANDIAN, III, ESQUIRE ID NO. 312653 1310 INDUSTRIAL BOULEVARD 1 IT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST 2006 -1 CIVIL DIVISION ONE HOME LOAN PLAZA, SUITE 3 WARWICK, RI 02886 CUMBERLAND COUNTY PLAINTIFF COFER LYBRAND FRITZEL L. LYBRAND COMPLAINT IN 251 PINE GROVE ROAD MORTGAGE FORECLOSURE GARDNERS, PA 17324 DEFENDANTS 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 a court supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer you must take the following steps to be eligible for a conciliation conference. First within twenty 20 days of your receipt of this notice you must contact MidPenn Legal Services at 717 2439400 extension 2510 or 800 8225288 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 {00024652} i 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 THESTEPS REQUIRED BY THIS NOTICE THIS PROGRAM IS FREE. LAW OFFICES OF GREGORY JAVARDIAN DATE: 3 BY: VbregXy Javardi , squire Id. No. 55669 ❑ Mary F. Kenned squire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 ❑ Sean P. Mays, Esquire Id. No. 307518 ❑Richard J. Nalbandian, III, Esquire Id. No. 312653 Attorneys for Plaintiff {00024652} e f Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket 4 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 CUSTOMER/ PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name Realtor Phone Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different) City State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: Number of people in household How long: CO- BORROWER Mailing Address: City: State Zip: Phone Numbers: Home: Office: Cell: Other: Email: Number of people in household How long: {00024652} FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number Date You Closed Your Loan: Second Mortgage Lender: Type of Loan Loan Number Total Mortgage Payments Amount: $ Included Taxes Insurance:$ Date of Last Payment: Primary Reason for default: Is the loan in Bankruptcy? Yes ❑ No❑ If yes provide names, location of court, case number & attorney Assets Amount Owed: Value: Home: $ $ Other Real Estate $ $ Retirement Funds $ $ Investments $ $ Checking $ $ Savings $ $ Other $ $ Automobile #1: Model Year: Amount owed: $ Value: Automobile #2: Model Year: Amount owed $ Value: Other transportation (automobiles boats motorcycles Model) Model: Year: Amount owed $: Value: $ {00024652} 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 MONTHLY EXPENSES (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage $ Food $ 2nd 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 Support/Alimony $ Spending Money $ Day /Child Care Tuition $ 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: Email: {00024652} t r' Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance Yes ❑ No ❑ If yes please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency Yes ❑ No ❑ If yes please indicate the status of those negotiations: Please provide the following information if known regarding your lender's or lender loan servicing company Lender Contact (Name) Phone Servicing Company (Name) Contact: Phone AUTHORIZATION I /We authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I /We understand that Uwe am /are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date {00024652} Please forward this document along with the following information to lender and Gregory Javardian, Esquire, lender counsel: Proof of income Bank statements to cover the last 60 day period If self employed, we must have the last 3 bank statements from both their busin personal bank accounts. ess and Proof of any expected income for the last 45 days Dodd Frank Certificate 4506T -EZ form Copy of last two months utility bill Letter explaining reason for delinquency and any supporting documentation Hardship letter Listing agreement if property is currently on the market Gregory Javardian, Esquire 1310 Industrial Boulevard, Suite 101 Southampton, PA 18966 (tel) 215- 942 -9690 (fax) 215- 942 -9695 Attention: Tami Kowalski j (tel) 21 5- 942 -9690 ext. 1309 t arni@iavardianlaw.co m com {00024653} SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FIT E0-0Ff-(r,E Sheriff 0 '!HE PR0TH0N,- fAP`,, Eyxc�x�m std''�iftraP�r,���,~� Jody S Smith 2913��� �� �� �-$+ Chief Deputy 11 Richard W Stewart .:. CUMBERLAND COUN i y Solicitor OFFICE QFT€ES�SRIFF PENNSYLVANIA Deutsche Bank National Trust Company Case Number vs. Cofer Eugene Lybrand (et al.) 2013-5032 SHERIFF'S RETURN OF SERVICE 08/29/2013 08:30 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Cofer Eugene Lybrand at 251 Pine Grove Rd., Gardners, PA 17324. RYAN BURGETT, DEPUTY 08/29/2013 08:30 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Cofer Lybrand, ex-husband, who accepted as "Adult Person in Charge"for Fritzel Lybrand at 251 Pine Grove Road, Dickinson Township, Gardners, PA 17324. RYAN BU TT, D SHERIFF COST: $56.43 SO ANSWERS, August 30, 2013 RON R ANDERSON, SHERIFF (c)CountySuite Sheriff,7cleosoft.Inc. LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE ID.NO. 55669 � ' ' MARY F. KENNEDY, ESQUIRE ID. NO. 77149 ; I3 NOV -7 01 9: 5P MEGHAN K. BOYLE, ESQUIRE ID. NO. 201661 SEAN P. MAYS, ESQUIRE ID NO. 307518 LitlE3ERLAND COUNTY 1310 INDUSTRIAL BOULEVARD PENNSYLVANIA 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215)942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY,AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST 2006-1 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY VS. COFER LYBRAND FRITZEL L. LYBRAND NO. 13-5032 Civil DEFENDANTS PRAECIPE TO REINSTATE COMPLAINT TO THE COURT: Kindly reinstate the Complaint in Mortgage Foreclosure for an additional thirty (30) days. LAW OFFICES OF GREGORY JAVARDIAN DATE: 11)11//3 C7Grego Javardiaan, Esquil`e Id. No. 55669 ❑Mary F. Kennedy, Ese Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 El Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff f)11‘Wadi a 6/ 10/ ite a cVr( {00015290} 9C? 1 7 99 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson t (;..r')t I'i t:. Sheriff Jody S Smith Chief Deputy 71013 NOY 18 PM 2: 22 �; Richard W Stewart CUMBERLAND COUNT i-,tr Solicitor :'F "f ` "° VR,Ir` PENNSYLVANIA Deutsche Bank National Trust Company Case Number vs. Cofer Eugene Lybrand (et al.) 2013-5032 SHERIFF'S RETURN OF SERVICE 11/14/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Fritzel Lybrand, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 87 Victory Church Road, South Middleton, Gardners, PA 17324. Per the current resident, the defendant's sister, defendant used to live at this addres but has since moved and she does not know the defendant's current whereabouts. Per the Gardners Postmaster the defendant is not known at the address provided. SHERIFF COST: $40.89 SO ANSWERS, ('SZ, x November 14, 2013 RbNW R ANDERSON, SHERIFF ,'iqunhJ:��iiO SYl�n`f,'6iBOSCft.ii1C. • LAW OFFICES OF GREGORY JAVARDIAN . '` � ° GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 fq 4Q: MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 Fi4? _ 1 'tD COUNTY SEAN P. MAYS, ESQUIRE Id No. 307518 PENNSYLVANIA 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST CUMBERLAND COUNTY 2006-1 No.: 13-5032-Civil vs. Cofer Lybrand Fritzel Lybrand MOTION FOR ALTERNATIVE SERVICE PURSUANT TO PENNSYLVANIA R.C.P. 430 TO THE HONORABLE JUDGES OF SAID COURT: AND NOW, comes Plaintiff, by its attorney, Sean P. Mays, Esquire and moves this Honorable Court to permit Plaintiff to obtain Alternative Service and seek an Order permitting service to be effectuated upon the Defendant, Fritzel Lybrand, by posting a copy of the Complaint in Mortgage Foreclosure and all subsequent pleadings upon the property located at 251 Pine Grove Road, Gardners, PA 17324, and by regular and certified mail pursuant to Pennsylvania Rule of Civil Procedure 430 and avers support thereof: 1. Plaintiff filed a Civil Action Complaint against Defendants on August 26, 2013. 2. The Defendants are the owners and mortgagors of the property 251 Pine Grove Road, Gardners, PA 17324. 3. Plaintiff, DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST 2006-1, is the Mortgagee on said property. 4. Plaintiff attempted to effectuate service of the Complaint in Mortgage Foreclosure pursuant to Pennsylvania Rule of Civil Procedure 402(a)upon the Defendant, Fritzel Lybrand at the property known as 251 Pine Grove Road, Gardners, PA 17324 and mailing address of 87 Victory Church Road, Gardners, PA 17324. The Sheriff's Office has been unable to serve the Complaint in Mortgage Foreclosure on Defendant. The Return of Service indicates,the Co-Defendant(Cofer) accepted service for Fritzel Lybrand, which is invalid due to divorce. The Sheriff's Office has been unable to serve the Complaint in Mortgage Foreclosure on Defendant. The Return of Service indicates, the Defendant not found. 5. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith effort to locate the Defendant(s) including the following: A. A process server contacted Directory Assistance and examined local internet telephone directories, which indicated there is no listing for the Defendant(s) at the mortgaged premises. B. See Postmaster Letters returns. C. All addresses given have been attempted for service for the Complaint in Mortgage Foreclosure upon the Defendant(s). 6. Pennsylvania Rule of Civil Procedures 430 permits service of process in Mortgage Foreclosure Actions by regular and certified mail to Defendant(s)' last known address. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order permitting service upon said Defendant(s), Fritzel Lybrand, by posting a copy of the Complaint in Mortgage Foreclosure and all subsequent pleadings on the property known as 251 Pine Grove Road, Gardners, PA 17324, and by regular and certified mail, return receipt requested. LAW OFFICES..OrGRE • 'Y JAVARDIAN BY: 1/1 ❑Gregory Java ' squire Id. No. 55669 ❑Mary F. K: : !, squire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id.No. 201661 Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST CUMBERLAND COUNTY 2006-1 No.• 13-5032-Civil vs. Cofer Lybrand Fritzel Lybrand MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION FOR ALTERNATIVE SERVICE PURSUANT TO PENNYSLVANIA R.C.P. 430 Plaintiff, by its attorney, Sean P. Mays, Esquire, moves this Honorable Court to permit Plaintiff to Obtain Alternative Service and seeks an Order permitting service to be effectuated upon the Defendant, Fritzel Lybrand, by posting a copy of the Complaint in Mortgage Foreclosure and all subsequent pleadings upon the property located at 251 Pine Grove Road Gardners, PA 17324 and by regular and certified mail pursuant to Pennsylvania Rule of Civil Procedure 430. Plaintiff filed a Complaint against the Defendant on August 26, 2013. Plaintiff attempted to effectuate service of the Complaint in Mortgage Foreclosure pursuant to Pennsylvania Rule of Civil Procedure 402(a) upon the Defendant, Fritzel Lybrand at the property known as 251 Pine Grove Road, Gardners, PA 17324 and mailing address of 87 Victory Church Road, Gardners, PA 17324. The Sheriff's Office has been unable to serve the Complaint in Mortgage Foreclosure on Defendant. The Return of Service indicates, the Co-Defendant (Cofer) accepted service for Fritzel Lybrand, which is invalid due to divorce. The Sheriff's Office has been unable to serve the Complaint in Mortgage Foreclosure on Defendant. The Return of Service indicates, the Defendant not found. Pennsylvania Rule of Civil Procedures 430 permits service of process in this Action by regular and certified mail to property address. Plaintiff respectfully requests that this Honorable Court enter an Order permitting service upon said Defendant by posting on the property known as, 251 Pine Grove Road, Gardners, PA 17324. LAW OFFICES 0 ' ' G• :Y JAVARDIAN BY: ' 21k4 ❑Gregory Jay. ,dian, Es. .ire Id. No. 55669 ❑Mary F. Kennel , quire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff Exhibit "A" LARRY DEL VECCHIO PROCESS SERVER FOR GREGORY JAVARDIAN,ESQUIRE P.O.BOX 344 CHALFONT,PA 18914 (215)491-4469 (215)491-4473 FAX Deutsche Bank National Trust Company et al COURT OF COMMON PLEAS • CUMBERLAND COUNTY • • VS. • FRITZEL L.LYBRAND NO. 13-5032-CIVIL • LAST KNOWN ADDRESS:251 Pine Grove Rd.,Gardners,PA 17324 AFFIDAVIT OF GOOD FAITH EFFORT TO LOCATE DEFENDANT(S) I hereby certify that on September 17,2013,a good faith effort was made to discover the correct address of said defendant(s),by: 1. Inquiry of Postal authority; Postal authority states defendant has no change of address from property,251 Pine Grove Rd. 2. Examination of local telephone directories,411 assistance and Internet records; Fritzel L.Lybrand,87 Victory Church Rd.,no phone number listed. 3. Neighbor Contacts: Charles Windowmaker,253 Pine Grove Rd.,(717)486-3128, adult female stated defendant is still living at property and is there until about 3 p.m.most days. Beverly Grim,87 Victory Church Rd.,(717)486-8136,left messages with no response. P. Smith, 92 Victory Church Rd., (717)486-7141, adult male stated he does not know the defendant. 4. Tax Information: Tax office has mailing address same as property,251 Pine Grove Rd. 5. Death Records: Social Security has no death record for the defendant(s)name(s). 6. Voter Registration: Not registered. I certify that this information is true and correct to the best of my knowledge,information and belief. NOTARY PUBLIC: BY: Sworn to and described Larry Del Vecchio,Process Server before me this day of 6,e'ls L 2013. Our{41-15'Chi. i GGC�f-yc'Z COI-,iVIONfu_ALYH OF PENNSYLVANIA NOTARY SEAL DAWN M.LUCIOTTI Warrington T.vp.,Bucks County My Commission Expires March 28,2015 Exhibit "B" LARRY DEL VECCHIO PROCESS SERVER FOR LAW OFFICES OF GREGORY JAVARDIAN P.O.BOX 344,CHALFONT,PA 18914,(215)491-4469.FAX(215)491-4473 September 17,2013 Postmaster Gardners, PA 17324 REQUEST FOR CHANGE OF ADDRESS OR BOXHOLDER INFORMATION NEEDED FOR SERVICE OF LEGAL PROCESS Please furnish the new address or the name and street address(if a box holder)for the following Name: Fritzel L.Lybrand Address: 251 Pine Grove Rd. Gardners,PA 17324 The following information is provided in accordance with 39 CFR 265.6(d)(4)(ii). There is no fee for providing boxholder information. The fee providing change of address information is waived in accordance with 39 CFR 265.6 (d)(1)and(2)and corresponding Administrative Support Manual 352.44 a and b. 1. Capacity of requester:Process Server 2. Statute or regulation that empowers me to serve process(not required when requester is an attorney or a party acting Pro Se-except a corporation acting Pro Se must cite statute: Process Server for Law Offices of Gregory Javardian,(Rule 400.1.b) 3. The names of all known parties to this litigation: Deutsche Bank National Trust Co.V.Cofer Lybrand&Fritzel L.Lybrand 4. The court in which the case has been or will be heard: Cumberland County,Pa,Court of Common Pleas 5. The docket or other identifying number if one has been assigned: 13-5032-CIVIL 6. The capacity in which this individual is to be served: Defendant(s) THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO$10,000.00 OR IMPRISONMENT OR(2)TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS,OR BOTH(TITLE 18 U.S.C.SECTION 1001). I CERTIFY THAT THE ABOVE INFORMATION IS TRUE AND THAT THE ADRESS INFORMATION IS NEEDED AND WILL BE USED SOLELY FOR SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION. P.O.Box 344 LARRY DEL VECCHIO Chalfont,PA 18914 For Law Offices of Gregory Javardian FOR THE POST OFFICE USE ONLY , `P'„,7).r' NO CHANGE OF ADDRESS ORDER ON FILE. NEW ADDRESS OR BOXHOLDER'S NAME AND PHYSICAL STREET ADDRESS: �5��3 POSTMARK U __ Exhibit " C " • SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff of irSl7t]j��,ffy1¢. Jody S Smith Chief Deputy Richard W Stewart Solicitor OFFICE OF 7.-E A-ERIFC Deutsche Bank National Trust Company vs. Case Number Cofer Eugene Lybrand (et al.) 2013-5032 SHERIFF'S RETURN OF SERVICE 08/29/2013 08:30 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Cofer Eugene Lybrand at 251 Pine Grove Rd., Gardners, PA 17324. RYAN BURGETT, DEPUTY 08/29/2013 08:30 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Cofer Lybrand, ex-husband, who accepted as "Adult Person in Charge"for Fritzel Lybrand at 251 Pine Grove Road, Dickinson Township, Gardners, PA 17324. RYAN BUTT, DEP 1 Y SHERIFF COST: $56.43 SO ANSWERS, August 30, 2013 RONRK R ANDERSON, SHERIFF (C)CountySulte Sheriff,Teleosoit Inc. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff VGtttttp di Cnyra6r'1444 Jody S Smith Chief Deputy Richard W Stewart Solicitor c,F�Ic=OF THE SHERIFF Deutsche Bank National Trust Company Case Number vs. Cofer Eugene Lybrand (et al.) 2013-5032 SHERIFF'S RETURN OF SERVICE 11/14/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Fritzel Lybrand, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 87 Victory Church Road, South Middleton, Gardners, PA 17324. Per the current resident,the defendant's sister, defendant used to live at this addres but has since moved and she does not know the defendant's current whereabouts. Per the Gardners Postmaster the defendant is not known at the address provided. SHERIFF COST: $40.89 SO ANSWERS, November 14, 2013 RONNY R ANDERSON, SHERIFF • • (c)CountySuite Sheriff,Teleosoft.Inc. LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST CUMBERLAND COUNTY 2006-1 No.• 13-5032-Civil vs. Cofer Lybrand Fritzel Lybrand VERIFICATION I, Sean P. Mays, Esquire, being duly sworn according to law, hereby depose and say that the facts set forth in the foregoing Motion for Alternative Service are true and correct to the best of my knowledge, information and belief and understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. BY: AID, A ❑Gregory J yard': , Esquire Id. No. 55669 ❑Mary F. K- -. -dy, Esquire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 S,Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME LOAN MORTGAGE LOAN TRUST CUMBERLAND COUNTY 2006-1 No.: 13-5032-Civil vs. Cofer Lybrand Fritzel Lybrand CERTIFICATE OF SERVICE I, Sean P. Mays, Esquire, counsel for the Plaintiff, hereby certify that a copy of the Motion for Alternative Service was served on the following persons by first class mail, postage prepaid, on the date indicated below. Fritzel Lybrand 251 Pine Grove Road Gardners, PA 17324 Fritzel Lybrand 87 Victory Church Road Gardners, PA 17324 DATE: ( ( ❑GregoryJavardian, Es ire Id. No. 55669 ❑Mary F. Kennedy, Esquire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id.No. 201661 91Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff • DEUTSCHE BANK NATIONAL TRUST COURT OF COMMON PLEAS COMPANY, AS TRUSTEE FOR HOME t."-) LOAN MORTGAGE LOAN TRUST CUMBERLAND COUNTY 2006-1 rn (.7, rri ONE HOME LOAN PLAZA, SUITE 3 No.: 13-5032-Civil :z x: c� WARWICK, RI 02886 "'�> V. c, e� Cofer Lybrand Fritzel Lybrand ORDER GRANTING ALTERNATIVE SERVICE PURSUANT TO PENNSYLVANIA R.C.P. 430 This matter being opened to the court by Plaintiff, upon Motion for Order Granting Alternative Service, pursuant to Pennsylvania R.C.P. 430, and the Court having reviewed and considered the pleadings submitted in connection with this matter, and for good cause shown: IT IS on this /L- day of )cc..«4 , 2013, ORDERED that the Motion for Alternative Service of the Complaint in Mortgage Foreclosure and all subsequent pleadings by posting the premises, 251 Pine Grove Road, Gardners, PA 17324 and by regular and certified mail to the Defendant's, Fritzel Lybrand, last known address, is hereby GRANTED. BY TH OURT: J. Lcr.L) A YS �Ys t x, 17/43 LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE ID. NO. 55669 MARY F. KENNEDY, ESQUIRE ID. NO. 77149 MEGHAN K. BOYLE, ESQUIRE ID. NO. 201661 SEAN P. MAYS, ESQUIRE ID NO. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215)942-9690 ATTORNEY FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR HOME COURT OF COMMON PLEAS LOAN MORTGAGE LOAN TRUST 2006-1 PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY COFER LYBRAND FRITZEL L. LYBRAND DEFENDANTS NO. 13-5032 Civil km-M1_ - r PRAECIPE TO REINSTATE COMPLAINT TO THE COURT: _ -- Kindly reinstate the Complaint in Mortgage Foreclosure for an additional thirty (30) days. LAW OFFICES OF GREGORY JAVARDIAN DATE: ,' �7 B : i ®Greg', Javar s ian,,E uire Id. No. 55669 F. Kennedy, 9 ❑Meghan K. Boyle, squire Id. No. 201661 ❑Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff 4 11/. IS -� A(ki akrt. G3gy .goo s17 {00038697} SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ! a Sheriff r ,_t.U—Of - Jody S Smith , t i1 Pa 1 itAt`.`i' Chief Deputy 2014 FEB I PH 3: is Richard W Stewart Solicitor CUMBERLAND CQU i Y PENNSYLVANIA Deutsche Bank National Trust Company Case Number vs. Cofer Eugene Lybrand (et al.) 2013-5032 SHERIFF'S RETURN OF SERVICE 01/29/2014 02:10 PM - Deputy William Cline, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure upon the within named Defendant, to wit: Fritzel Lybrand, pursuant to Order of Court by"Posting"the premises located at 251 Pine Grove Road, Dickinson To shi. Gardners, PA 17324 with a true and correct copy according to law. 117--Z .0 I A M CLINE, DEPUTY SHERIFF COST: $46.43 SO ANSWERS, ,11 ,n 1(2 January 30, 2014 RONNY R ANDERSON, SHERIFF