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HomeMy WebLinkAbout13-6336 Supreme Cour>of +;Pennsylvania Court Of Commo Pleas For Prothonotary Use Only: Civil COVer Sh6et Docket No: CUM&E LANG County 13" Ify { � a4 Term The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filin and s ervice of pleadings or other papers as required by law or rules of court. Commencement of Action: x, Complaint 0 Writ of Summons El Petition S Q Transfer from Another Jurisdiction �; Declaration of Taking E— C Lead Plaintiffs Name: Lead Defendant's Name: WELLS FARGO BANK, NATIONAL ASSOCIATION., ET GLENN E. FITTING & MOLLY K. FITTING T Dollar Amount Requested: Owithin arbitration limits I Are money damages requested? Yes (] No O' (check one) Ox outside arbitration limits N Is this a Class Action Suit? El Yes [D No Is this an MDJAppeal? <] Yes C] No A Name of Plaintiff /Appellant's AttemeyM Troy Freedman i] 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 you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional El Buyer Plaintiff Administrative Agencies Malicious Prosecution Debt Collection: Credit Card Board of Assessment Motor Vehicle Debt Collection: Other Board of Elections 0 Nuisance 0 Dept. of Transportation 0 Premises Liability El Statutory Appeal: Other S 0 Product Liability (does not include Employment Dispute: E mass tort) ' Slander/Libel /Defamation Discrimination � C El Other: Employment Dispute: Other Zoning Board T, `- Other: I l] Other: O MASS TORT 0 Asbestos N O Tobacco 0 Toxic Tort - DES 0 Toxic Tort -Implant REAL PROPERTY MISCELLANEOUS Toxic Waste Other: 0 Ejectment 0 Common Law /Statutory Arbitration B 0 Eminent Domain /Condemnation E] Declaratory Judgment Ground Rent 0 Mandamus Landlord/Tenant Dispute El Non - Domestic Relations M Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure: Commercial 0 Quo Warranto 0 Dental 0 Partition 0 Replevin 0 Legal [] Quiet Title El Other: 0 Medical 0 Other: 0 Other Professional: Updated .1/1/2011 STEVEN K. EISENBERG ESQUIRE (75736) M. TROY FREEDMAN, ESQUIRE (85165) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) ANDREW J. MARLEY (312314) STERN & EISENBERG, PC 1581 MAIN STREET, SUITE 200 WARRINGTON, PENNSYLVANIA 18976 TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FR1 Mortgage Pass - Through Certificates, Series 2006- Civil Action Number: FRI, by its Servicer, Ocwen Loan Servicing, 13 _ �Vi C (Term LLC 1661 Worthington Road, Suite 100 COMPLAINT IN West Palm Beach, FL 33409 MORTGAGE FORECLOSURE V. , - Glenn E. Fitting s T-�' 19 Otto Avenue I� Carlisle, PA 17013 - 3129' r Molly K. Fitting c _. 472 Burnt House Rd e , Carlisle, PA 17015 -9350 Defendant(s) CIVIL ACTION - MORTGAGE FORECLOSURE This is an attempt to collect a debt and any information obtained will be used for that purpose. NOTICE You have been sued in Court. If you wish to defend the claims set forth in the following pages, you must take action within twenty (20) days after this Civil Action 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. 4103. 1 7 5 PA ATT & 5qs0.gl6qq I I I' *a97y38 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 Civil Action or for any other claim or relief requested by the plaintiff. You may lose money or property of other rights important to you. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 800 - 990 -9108 717- 249 -3166 STEVEN K. EISENBERG, ESQUIRE (75736) M. TROY FREEDMAN, ESQUIRE (85165) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) ANDREW J. MARLEY (312314) STERN & EISENBERG, PC 1581 MAIN STREET, SUITE 200 WARRINGTON, PENNSYLVANIA 18976 TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FR1 Mortgage Pass - Through Certificates, Series 2006- Civil Action Number: FR1, by its Servicer, Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 COMPLAINT IN West Palm Beach, FL 33409 MORTGAGE FORECLOSURE V. Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013 -3129 Molly K. Fitting 472 Burnt House Rd Carlisle, PA 17015 -9350 Defendant(s) CIVIL ACTION - MORTGAGE FORECLOSURE This is an attempt to collect a debt and any information obtained will be used for that purpose. NOTICE NOTICE AVISO You have been sued in court. If you wish to Le han demandado a usted en la corte. Si defend against the claims set forth in the usted quiere defenderse de estas demandas following pages, you must take action within expuestas en las paginas siguientes, usted twenty (20) days after this complaint and notice tiene veinte (20) dias de plazo al partir de la are served, by entering a written appearance fecha de la demanda y la notificacion. Hace personally or by attorney and filing in writing falta asentar una comparencia escrita o en with the court your defenses or objections to the persona o con un abogado y entregar a la claims set forth against you. You are warned that corte en forma escrita sus defensas o sus if you fail to do so the case may proceed without objeciones a las demandas en contra de su you and a judgment may be entered against you persona. Sea avisado que si usted no se by the court without further notice for any money defiende, la corte tomara medidas y puede claimed in the complaint or for any other claim or continuar la demanda en contra suya sin relief requested by the plaintiff. You may lose previo aviso o notificacion. Ademas, la money or property or other rights important to corte puede decidir a favor del demandante y you. requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede YOU SHOULD TAKE THIS PAPER TO A perder dinero o sus propiedades u otros LAWYER AT ONCE. IF YOU DO NOT HAVE derechos importantes para usted. A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET Lleva esta demanda a un abogado FORTH BELOW TO FIND OUT WHERE YOU inmediatamente. Si no tiene abogado o si CAN GET LEGAL HELP. THIS OFFICE CAN no tiene el dinero suficiente de pagan tal PROVIDE YOU WITH INFORMATION servicio, vaya en persona o llame por ABOUT HIRING A LAWYER. telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar IF YOU CANNOT AFFORD TO HIRE A donde se puede conseguir asistencia legab LAWYER. THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SER UICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE Lawyer Referral and Information Service (Asociacion de Licenciados Servicio de Referencia e Informacion Legal) Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 800 - 990 -9108 717- 249 -3166 NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTER/NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE /LIEN AGAINST REAL PROPERTY. STEVEN K. EISENBERG, ESQUIRE (75736) M. TROY FREEDMAN, ESQUIRE (85165) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) ANDREW J. MARLEY (312314) STERN & EISENBERG, PC 1581 MAIN STREET, SUITE 200 WARRINGTON, PENNSYLVANIA 18976 TELEPHONE: (215) 572-8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FR1 Mortgage Pass - Through Certificates, Series 2006- Civil Action Number: FR1, by its Servicer, Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 COMPLAINT IN West Palm Beach, FL 33409 MORTGAGE FORECLOSURE v. Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013 -3129 Molly K. Fitting 472 Burnt House Rd Carlisle, PA 17015 -9350 Defendant(s) COMPLAINT CIVIL ACTION - MORTGAGE FORECLOSURE 1. Plaintiff is Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FRI Mortgage Pass - Through Certificates, Series 2006 -FR1, by its Servicer, Ocwen Loan Servicing, LLC (hereinafter referred to as "Wells Fargo Bank, National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC ") with offices located at 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409. e 2. Defendant(s) are Glenn E. Fitting and Molly K. Fitting, adult individuals with a last- known address of 19 Otto Avenue, Carlisle, PA 17013 -3129 and 472 Burnt House Rd, Carlisle, PA 17015 -9350. 3. Under date of 09/13/2005, Glenn E. Fitting and Molly K. Fitting executed and delivered to MERS, Inc. as nominee for Fremont Investment and loan a mortgage upon the property 19 Otto Avenue, Carlisle, PA (the "Property ") to secure the payment of the sum of $107,100.00. The said mortgage is recorded in the Office for the Recorder of Deeds in and for Cumberland County on 09/26/2005 at BK# 1924 PG #1382 and is incorporated herein by reference as though set forth at length herein. A copy of the mortgage and legal description of the Property is attached hereto and made a part hereof as Exhibit "A ". 4. An assignment transferring the mortgage originally with MERS, Inc. as nominee for Fremont Investment and loan (Originating Lender) to Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FR1 Mortgage Pass - Through Certificates, Series 2006 -FRI, was prepared and is in the process of being recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania. 5. Glenn E. Fitting is the real owner of the Property at 19 Otto Avenue, Carlisle, PA 17013. 6. In accordance with Pennsylvania law, the required pre - foreclosure notice (under Act 91 /Act 6 as may be applicable), was sent to the defendants and no response was made in the appropriate period of time. A true and correct copy of the aforesaid notice is attached hereto and made a part hereof as Exhibit `B ". 7. The said loan is in default as a result of the failure to pay the monthly installments of $566.27 due on February 1, 2013 and on the same day of each month thereafter. 8. The following is due on the loan: PRINCIPAL BALANCE ....................... ............................... $102,911.65 INTEREST accrued thru 08/23/2013 of ............................... $2,911.52 Interest after 08/23/2013 shall accrue at the per diem rate of $12.55.) LATE CHARGES accrued thru 08/23/2013 of ..................... $112.16 Late charges after 08/23/2013 shall accrue at the monthly rate of $28.04.) ESCROW ADVANCES ......................... ............................... $1,862.04 • o FEES BILLED ....................................... ............................... $1,263.59 ATTORNEY'S FEE ............................... ............................... $5,145.58 TOTAL................................................... ............................... $114,206.54 Attorney fees are allowed in conformity with the mortgage documents and Pennsylvania law, and may be requested as part of any judgment requested and collected in the event of a third party purchaser at Sheriffs Sale. If the mortgage is reinstated prior to Sale, reasonable attorney fees will be charged based on work actually performed. M WHEREFORE, Plaintiff, Wells Fargo Bank, National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC requests this Court to enter judgment, IN REM, for foreclosure of the mortgaged property, for the sum of $114,206.54 and all other amounts set forth above, less any suspense as set forth above, together with record costs and any other amounts that accrue over the course of the instant matter and to which Plaintiff is entitled to recover. STERN & EISENBERG, PC BY: V mv TEVEN K. E NBERG, ESQUIRE . TROY . EDMAN, ESQUIRE ❑ JACQUEL & E F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ LEN M. GARZA, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff Date: �J Re: Glenn E. Fitting and Molly K. Fitting 19 Otto Avenue, Carlisle, PA 17013 VERIFICATION I, Dominique Sciullo hereby state that I am Contract Management Coordinator of Ocwen Loan Servicing, LLC, mortgage servicing agent for Plaintiff in this matter. The Plaintiff has delegated the mortgage servicing responsibility to Ocwen Loan Servicing, LLC for the mortgage loan which is subject of this action. Ocwen Loan Servicing, LLC maintains and is in control of all documents and records supporting the statements in the foregoing complaint and therefore the servicer, rather than the Plaintiff, is the appropriate entity to make this verification. I have reviewed the business records relating to this account and am authorized to make this verification. I hereby verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information and belief. I understand that this statement is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. f 0 . Date: � � '' `T game: DOMi n 8 u 4 Title: Contract anagement Coordinator Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as ofFebruary 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FRI Mortgage Pass - ThroughCertificates, Series 2006 -FRI, by its Servicer, Ocwen Loan Servicing, LLC 35 8 ZIE GE L EIS Prepared by & Retum to: '...., ;. TransCondnental Tide Co. ^ 3 4033 Tampa Rd Suite 101 ; : c, b f Oldsmar, FL 34677 `� 4 800- 225 -7897 V Prepared By: BARBARA LICON : FREMONT INVESTMENT & LOAN P.O. BOX 34078 FULLERTON, CA 92834 -34078 C# -- 64M -01 - 7 Parcel Number: 48- Premises: 19 OTTO AVE 7000165066 CARLISLE, PA 17013 [Space Abort This Lime For Recertl ft Data] MORTGAGE F-LAM I I a MIN 1001844- 7000165066 -1 DEI Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. A (A) "Security Lwtrumeut" means ibis document, which is dated September 13, 2005 �/ together with all Riders bo this document. (B) "Borrower" is GLENN E. FITTING Meliq �r f"!~ n �j Husband and Wife V Borrower is the mortgagor under this Security Instrwnent. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgnce reader this Security UW roment. MFRS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, F int MI 48501 -2426, tee. (888) 679 -MFRS. PENNSYLVANIA - Single Family - Fannie MaNFroddle Use UNIFORM INSTRUMENT WITH HERS - SA(PA) (..a) Form.3039 1101 1 K Papa 1 of" inttlalf: �— VMP Mortgage Solutions, Inc. (600)621.7291 8K 19 2 4 PG 13 8 2 �� =J� r._ (D) "Launder" is FREMONT INVESTMENT 1 LOAN v Lender is a CORPORATION arganizat and existing under the laws of CAL I FOKN I A Lender's address is 2727 EAST IMPERIAL Hlii WAY, BREA CA 82821 (E) "Note" means the promissory note signed by Borrower and dated September 13, 2005 ' I1mNotestates that Borrower owes 1,enderOn* Hundred Seven Thousand, One Hundred and No/100 _________ ________ -___ Dollars S (U . S 107 ,100.00 ✓)plus interest Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2035 (I) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (Fi) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders tine to be executed by Borrower (check box as applicable): © Adjustable Rate Rider 0 Condominium Rider El Second Home Rider Ej Balloon Rider LJ Planned Unit Development Rider ❑ 1-4 Family Rider El VA Rider F Biwexkty Payment Ride 0 other(s) [specify) (1) "Applitabie 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, noon- apPealabkj opittix . (J) "Community Amoeisdon Does, Fees, oxi Assessments" means all dues. fees, assewments and other charge's. that are imposed on Borrower or the Property by a condominium association, homeowners association or shnilar organization. (K) "tic Funds Transfer" am' ns any transfer of funds, other than a transaction ori&We d by check, draft, or similar paper imstrurnmt, which is initiated through an electronic terminal, trlcphonic instrument, computer, or rnagnedic tape so as to order, instruct, or audtorize a financial institution to debit or credit an account Such term includes, but is not limited to, point- of -s* transfers. anoorniod salter machine transactions, transfers initiated by telephone, wire transfers, and autornaud ckaringhouse transfers. (L) "Escrow Items" means time hexes that are desaibod in Section 3. M "1V ems Proceeds" mesas any couTensaaon. sculanent, award of damages, or proceeds paid by any third party (enha than insurance proceeds paid under the coverages described in Section 5) fix: (i) damage to, or destruction of, the Ptvpaty; (b) condemnation or other taking of all or any part of the Property; (nit) conveyance in lips of cotx3annanon; or (iv) misrepresentations of. or omissions as to, the valet and/or condition of the Pmpesty. (l) "Maigage Im rrma" means insurance protecting Leader against the nonpaymart of, or default em, the Loan. (U) "Pniudic Payment" means the regularly scheduled amount due for (i) principal and interest wwW the Note, phis (n7 any amounts under Section 3 of this Security Instrument 4ft-6A(PAJ (0502) Para 2ot-W Form 30" 1101 BK 1924PG 138.3- (P) "RESPA" means the Real Estate Semleuent Procedures Act (12 U.S.C. Section 2601 a seq.) and-its impkment�ng Regulation X (24 C.F.R. Part 3500}. as they might be amended from time to time, or any or successor kgWaWn or reguWm due governs the sumo s *jcct matter. As used in dais Security Instntment, "RESPA" refers to all requirements and resvictiorns that are m regard to a "federally related mortgage loan" even if the Lem does not qualify as a "fcderalty mortgage loan" under RESPA, (Q) "Successor in Interest of Borrower" means any pasty that has takers We to the Property, whether or not that party has assumed Borrower's obHpdons under the Note and/or this Security Instrument. TRANSFER OF RIGM IN THE PROPERTY Thi Security Instrument secux= to Lender: (i) the repayment of the Loan, and all renewals, exunsioos 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 h«zby mcxtpge, grant and convey to M&RS (solely as nominee for Lender and Lender's successms and assigns) and to the successors and assigns of MERS, the following descrhlxd property located in the Cahrnty ('type of Rwardiai rw5dio;ool of CUMBERLAND WamoofReeonfing wisdic6cal: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART THEREOF which currently has the address of J 19 OTTO AVE [ soeey CARLISLE [t cyl.Per►nsylvanis 17013 MPCodal ("may Address "): TOGETHER WITH all tht: improvements now or hereafter erected on the property, and all easements, ;bo r a part of the property. All replaceunents acrd additions shalt aso covered by this Sectnrity Irnsmur►ent All of the f �go >s refaced to in this Security Instrument w the kgal title to the iataem.9 granted by or custom HERS - (as ht for or all of those interests, Wbiding, not limited to, the right to foreclose and aeII the Propart�; and to take any action required of Lender including, but not limited to, rekasmg and tssnctling this Soarrty Insirtunerht t -� •.• Inh1aN: �XF at- aA(PA) psm) Foron 3039 1/01 UK1924PG1380: BORROWER COVENAI -M that Borrower is lawfully seisod of the rsmm hereby conveyed and has the tight to mortgage, grant and convey the Property and that die Property is unemcumbared, except for encumbrances of record. Borrower warrants and will defend generally the titk to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURM INSTRUMENT combines uniform coveuants for national use and nom- uniform covenants with limited variations by jurisdiction to WastituZ a uniform security instrument covering rest ProPenY- UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: x. Payment of Prkxipai fir, Facrew Tumor, Prepayamt Chargss, and late lea Borrower shall pay when due the principal of, and internal On, the debt evidenced by the Note and any prepayment charges and two dmarge s due tender the Nov— Borrower shall also gay funds for Escrow I*= pursuant to Section 3. Payments due under the Note and this Sec u* Iumumerht shall be made in U.S. curra>cy. However,. if any check or Other instrument received by Lander as payment under the Note or this Security Instrument is mum ned to Leader unpaid, Leader may require that any or all suhacquent payments due under the Note and this Security Instrument be mode in one or more of tha following forms, as seiocted by dentin: (a) cash: (b) mongy order; (c) certified check, bank check, treasurer's ehrek 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 (c) Ekcuonic FwWs Transfer. Payments are doemed nweived by Leader when. received at the docadon designated m the Note of at such other location as may be designated by Lander in accordance with the notice provisions in Section 15. Lender may return any payment or d� Pal's if the payment or pXdal payments are insuffrcie:at to bring the Loam current Lender may accept any Payment or Partial paymnexnt inauici«tt to bring the Lean current, without waiver of any rights hereunder or.prqudice to its rights to refuse such payment or partial payments in the fab re, but Lender is not obligated to apply such payments at the time such payments are =Cp0Dd. If each Pesmdic Payment is applied as of its scheduiod due date, them L kk r treed not pay interest on unVpdied funds. Lasnda may hods such tnWplied funds until Borrouwe r .makes payment to bring the Loan current If Borrower does not do so within a reaso nabk period of tune, Lander shat! prier apply such funds or remm them to Borrower. If not applied earlier, such funds will be applied ifl the outstanding principal balance under the Note. immuliately prior to foreclosure. No Offaet Of china which Borrower might have now or in the future against Lender shat! relieve Borrower fiom making payments due under the Now and this Security YnStthUDent Or Pmfmniug the COvft&M and agreements XCUFCd by this Security kdit men[ 2. A"Scation of F*Ma =tor or Praeeeds. Except as ottrawise descrA*d in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) mte rest due under the Note: (b) principal due cruder the Note. (c) amounts due under Section 3. Such payments shall be applfod to each Periodic Paymennt in the ordtx in which it berme tithe. Any remaining aumouits shaD be applied first to late charges, second to any other amounts due under this Security hmmmieru, and then to reduce the p blips) balaruce of die Note. If Lauder receives a payment fiom Borrower for a delinquent Periodic Payment which includes a SuffiCiWt armoont to pay any Isle charge due, the payaW may be apph ed to the delinquent payment and the late charge. If mere than one Paiodic Payment is oumnding. Loom may apply my payment r=ived from Borrower. to the: repayment of Hie Periodic Payments if, and to the extent that, each payment can be paid in tft- ttA(PA) tor2t Page s." Fons 10311 1101 BK1924PG1 NMI full. To the extent that say excess exists a€tet the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments snail be appticd first to any prepayment charges and'then as described in die Note. Any application of payments, insurance proceeds, or Mtsecltaoaws Proceeds to principal due under the Note shall not extend or postpone the due dare, or change ahc ammount, of the Periodic Payments. 3. Funds for Escrorv'Itea& Borrower shall pay to Lender on the day Periodic Payments are dune 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 a lien or encumbrance on the Property; (b) leasehold payments or ground rents on thud Property, if any; (c) premiums for any and all insurance required by Leander under Section S; and (d) Mortgage hmarance priniuims, if any, or any sums payable by Borrower to Leader is lien of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 14. 'These items are called "Escrow heals." At origination or at any time during the term of the Loan, Leader may require that Community Association Dues, Fees, and Amossrnerns, if any, be escrowed by Borrower, and such dim, few and its shall be an Esmw Item. Borrower shalt promptly famish io Leader all nod= of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Leader waives Borrower's oblipsm to pay the Funds for any or all Escrow Items. Leander may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver tray only be in writing. In the event of such waiver, Borrower shalt pay directly, when and where payable, the amounts duce for any Escrow Items for which payment of Funds has been waived by Leader and, if Leader requirea, famish in Leader reox evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide row shall for all purposes be deemed to be a covenant and agreement tuod in this Saauity Instrument, as the phrase "covenant and agme ant" is used in Searcxt 9. If Borrower is obligated to pay Escrow Items dhvWy, pursuant to a waiver, and Borrower'faiia to-pay the amount due for an Escrow Item, Leader may exercise its rights under Section 9 and pay such amount and Borrower shad then be oblgv&d under Section 9 May to Lender any such amount. Lender may nworre th,o 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 shad pay to Lender all Funds, and in such amounts, that are deal requked under this Section 3. Leads- may, at any time, collect and hold Furls in as wnotmt (a) sufiident to permit Leuda to apply the Funds at tae time specified under RESPA, and (b) not to exceed did: maximum amount a leader can require ender RESPA. Lender shall estimate she amount of Funds due on the basis of currant dm and reasonable estimates of cad xhfturs of future Eschew Items or othe5twAe -in accordw= with Applicabie Law. Tho Funds shad be held in an iosdbAm whose deposits ate insured by a faeral agency, instrumentality, or entity (including Leader, if Lender it an institwioan whose deposits are so insutvd) or is any Federal Home Loan Sank. Lender shall apply the Fdmds to pay the Escrow Item no laic than the time specified under RESPA. Lender shall not charge Borrower for holding and dying the Funds, annually artalymg the escrow account, of verifying one Esdxow low, unless Leader pays Borrower interest on the Funds and Applicable Law permits Leader to make such a charge. Unless an apwm da a made in writing err Applicable Law requires imetest to be paid on the Funds. Leader shad not be required ao pay Borrower any interest or earnings on the Funds. Borrower and Leader can agm in writing, however, that interest shall be paid on the tft- dA(PA) (.w.) Form 30f0 1101 B.t 924PG 1386 Funds. lender shall give to Borrower, without charge, an annual accounting of the Funds as required by MPA. if there is a surplus of Funds hold in escrow, as defined under RFSPA, L.axla shall account to Borrower for the excess funds in accordance with RESPA. If that is a shortage of Fiends held in escrow, as defined under RESPA, Lender shall notify Borrower as noquired by RESPA, and Borrower shall pay to Lander the amount necessary to snake up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required. by RESPA, and Borrower shall pay to Lender the amount necessary to make up the defnciatcy in acc ardarx a with RMPA, but in no more than 12 monthly payments. Upon payment in full of alt sums secured by this Security Inst:utnunt, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessrac ra, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground resits out.the Property, if any, and Community Association Does, Foes, and Assessments, if any. To the extent that these At ms anti Escrow Ioetns, Borrower shall pay than m 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 lire in a mama acceptable to Lakder, but only so long as Borrower is performing such agreemo nt; (b) contexts the liar in good faith by, or defe ads against enforcement of the lien in, legal proceedings which in Le adices opinion operate to prevent the enforcement of the lint while those proce a dbtgs are pending, but only. until such proceedings are concluded; or (c) soctnrs from the bolder of the liar an Weerneuu satisfactrxy to Larder nbosdlluating the lien to this Security Insttturrent. If Larder determines that any part of the Property is subject to alien which can attain priority over this Security Instrument, Leader may give Borrower a nonce 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 froth above in this Section 4. Larder may require Borrower to pay a one-time charge for a rest estate tax verification and/or reporting service used by Larder in connection with this loan. S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fee, hazards included wuhm the texts "extended covasgrs." and any other hazards indluduug, but not limited to. eaattugnal= and floods, for which Lender requires marance. This insurance sball be maintained in the amounts (including dedyctble levels) and for the periods that Larder re quirm What Lender rognires pursuant to the prexoding sentences can change during the; team 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 note be exercised unreasonably. Leander may require Borrower -to pay, in connection with this Loan, either. (a) a one -time change for food zone determination, certification and tracldng services; or (b) a ono -time charge for flood zone determination and ca15cstion secures and subsuptent chatges each time remappings or similar changes occur which reasonably might affect such determination or cextificatim. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency MarwSonau Agemy in commotion wish the review of any flood zone deoe ninuiam resulting from an objection by Borrower. - QA(PA) (oGQ2) Page rt.f is, Form SGaa 1M1 X44 t 924PG 1387 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Leader's option and Borrower's expense. Lender is under no obligation to purchase any Particular type or amount of coverage: 'Ibere€ ore, such coverage shalt cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower winewledges that the cost of the insurance coverage so obtained might dy exceed d the cost of irrsunuxx that Borrower could have obtain Any amounts disbursed by Lender under this Seance S shall become additional debt of-Borrower secured by this SOM* Inawmtnt Theae amounts shall bear inbcrest at the Note rate fmm the daft of disbursoment and shall be payable, with such interest, upon notice from Lender to Borrower requesting paym=L All immmnce policies required by bender and renewals of such policies shall be subject to bender's right to disapprove such policies, shall include a standard mortgage clause, and Shall name Leader as mortgagee and/or as an additional loss payee. Loader shall have the right to hold the policies and renewal certificates. If Lender. requires, Borrower shall promptly give to Leader all receipts of paid premiums and renowal notices. If Borrower obtains any form of insurance coverage, not otfrerwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender ag'mortgagee and/or as an additional loss payees. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Leander may make proof of loss if made promptly by Borrower. Unless Lender and Borrower othesrMse agree in writing, any insurance proceeds. whether or Trot the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feaabk and Lender's 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 inVect such Property to emsme the worst has been completed to Lender's satisfiedon, provided that such inspection shall be undertaken prompdy. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of Prop= payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds. Leader shall not be required to gay Borrower any intuest or earnings on such proceeds. Foes for public adjusters, or other third parties, retained by Borrower shall not be Paid out of ttne insurance proceeds and shall be the sole obligation of Borrower. If the resmratnoa or repair is not economically feasiible or Leader's security would be lessened, ttte insurance proceeds shall be applied to the sans secured by this Security Inmamett, 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 avaWA& insurance claim and rdatod COMM. If Borrower does not respond within 30 days to a notice freer Lender that the irrsmar= canner has euffat d to settle a cl aim, - then Lander may negotiate and settle the dam. The 30-day period will begin when the notice is given. In exduz event, or if Leader acquires the Property under Section 22 or odmerwise. Borrower hereby assigns to Lender (a) Borrower's rights to any insmmm proceeds in an arnouu 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 aofuad of unearned premiums paid by Borrower) under all insuraacse policies Covering the Property, insofar a s such rights am ap *cabk to the coveago of the Property: Leader may use the hitrance proceeds either to r ePa r or rtstcre the Property or to pay amounts unpaid under the Note or this Security Instrument. whether or not them due. 4ft4A(PA) aosoza Pap/ 064* Form =9 11o1 BK1924PG1388 6.O=pan y. Borrower shalt occupy, esWAish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy tht property as Borrower's prvncipai- residence for at least one year` after the date of vcatpancy, unless Lcode r otherwise agrees in writing, which consent shat( not be unreasonably withheld, or unk m extenuating circumstances exist which are beyond Borrower's control. 7. Preaerratian, Makknance and Protection of the Property; I6p6cfloas. Borrower shall not destroy, damage or impair the Property, allow the Property to detc6on" or commit waste on tht Property. Whether or not Bcuower is residing in tht Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or d=casing in vamp due to its condition. Unless it is determined prrrmant to Section S that repair or resisxation is not economically fesuble, Borrower shall promptly rcpera the property if damaged to avoid further deterioration or damage. If inswtiltce or condemnation proceeds are paid w connection with damage to, or the tatting of. the Property, Borrower shalt be rcaponsilik for repairing or restoring the Property only if Lrr)dear has released proceeds for such purposes. Laura may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the wort is completed. ff the insurance or condmnation proceeds are not milliciart to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Leander of its agent may mate reasonable entries upon and inspections of tht Property. If it has reasonable cause, Lender may inspect the interior of the improvarents on the Property. Lender sW give Borrower notice at the. time of or prior to such an interior inspection specifying such reasonable cause, 8. Borrower's Loan Application. Borrower shall be in default if, dwing the Loan appiiiamiou process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's k wwledge or consent gave materially false, misleatfig. or inaccurate M rmstion or swenimts to Lender (or failed to pro vide Launder with material information) in txxmtio acn with the Loan. Material rgr+eacamons include, but are not limited to, representations oorrccming Borrower's o6mgm y of the Property as Borrower's principal resideace. 9. Proketion of Leatder's Interest in the .Property and Riga Under Nis 5aui Instrmwmt. if (a) Borrower fails to perform the covenants and agroanetMs contained in this Security Inshumatt, (b) there is a legal pig that might siguilicantly affect JA dW s intermst it the Property WWJOr rights under tk» s Security Instrument (such as a proceeding in bankruptcy, probate, for conderrmation or forfeaare, for Mfaacanutt of a fiat which may allaam priority over this Security Instrument or to enforce laws or regulations), of (c) Borrower has abandoned the Property, then Lewder may do and pay for whatever is reasonable or approprisie to protect Lender's interest in the Property and rights under this Security Ins~rtm era. including protecting and/or assessing the value of the Property, and warring and/or rcWmg the property. Leader's actions cant include. but tae not limited to: (a) paying any sums securcd by a liar which has priority over this Sexaaity Instrun=4 (b) appearing m court; and (c) paying reasonable smorneyr' fees to protect its interest in the Prop" and rights under aria Security Instnurnont.-Wcludutg its seared position in a bxdm4)tcy proceeding. Securing the; Property includes, but is not limited to, entering the property to make repancs, charge keens, replatx or board up doors and windows, dram water from pipes, ohmima� building or other cede violations or dangerous conditions, and have utilities turned on or off. Ahhough Leader may take action under this Soma 9. Lender dam not have to do so and is not under any duty or - obligation to do so. It is agreed that Leodrr inctim no liability for not taking any or all actions authorized under this Section 9. t %-OA(PA) (oaaz) Pag.a.rw- Form 3039 1101 OKI 924PG 1389 _ - : Any amounts disbursed by Lender under this Section 9 shall become addiaooat debt of Borrower seaeure d by this Security InsUMML Tbee amounts sham bear imteom at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice fiocn Lender to Borrower requesting . Payment- if this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the beast. If Borrower acquires fee title to the Property, the le aw trold and the fee ft shall not merge unless Lender nde r agrees to the merger in writing. 10. Mortgage.Inaursoce. If Lender required Mortgage Insurarree w a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage rem by Ler►der cores to be available firm the mortgage insurer that previously provided such insurance and Borrower was required to maine agwsWy desig>aalod payments toward the premiums for Mortgage bwxance, Borrower shall pay the prexmum ragair ed to obtain coverage substantiatty equivalent to the Mortgage Insurance previously in effect at_ a cost substan"ly equivalent to the coat to Borrower of the Mortgage Insurance previously in effect, from an abefr1ate mortgage in== selected by Lender. If subsmnualty equivalent Mortgage Insurance Coverage is not avaib W 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. Leader will.accept, use and retain these payments as a trot- ref4odsWe loss reserve in lieu of Mortgage Insurance. Such loss rescrvo shall be moo - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lauder shrill not be required to pay Borrower any interest or earrings on such loss Nerve. Lender can no longer require Ions reserve payments if Mortgage Ins== Coverage (in the amount and for the period that Lrider require) pmvidkd by an im= selected by Leader arguer becomes available, is obtained, and Lender requires separxtety designated . payments toward the premiums for Mortgage Inswanrm If Leander required Mortgage Insurance as a condition of trnaiang the Loom and Borrower was required to mate separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required w maintain Mortgage Insurance in effect, or to provide a man- ndimilable bra reserve, until'L atdq's requite== for Mortgage Insurance ands in amorilmm with any written agreement between Borrower and Lender providing for such t rmhution or until termination is required by Appikable Law. Nothing in this Sermon 10 affects Borrower's. obtigadw to pay int=o at tine roe provided in the Note. Mortgage Insurance reimburses Launder (or any entity that purchases the Nate) for eosin loam it may incur if'Boarower does not repay the Loan as agreed. Borrowa is not a party to the AW130 a Irnsw=CC- Mortgage insurers a vahnate their total risk on all such iasurutrce in force from time to time, and may enter into agreements with other parties tinn share or modify their rink or reduce losses. Them agreemmts are on terms and conditions that are satisfactory to the mortgage insurer and the odntr party (or parties) so Ewe agreements. These agreements may require the mortgage h arer to.maire payments using any sewraoe of fonds that the mortgage .insurer may have available (which may mcimde funds obtained from Mortgage Inmoanoe Premiums). As a result of these agreements, Unft, any puachaw of the Note, another insurer, any reinswtr, 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 Insmance, in entchange for sharing or modifying the nd nVne insurer's title, or reducing losses. If a rob agr+ee nv= provides that an affiliate of Under takes a share,of the insaaer's risk in edge for a share of the premiums paid to the insurer, the airamgement is outer termed "captive minsuua ' Further: (a) Any socli agreements wm not affect the anroenta that Borrower has agreed to pay for MortMe lnmwee, or any other tams of the Loan. Socli agreements wig not incresse the ataaut Borrower will owe for Mortgage Insurance, and they will not ctodhe Borrower to any trdtma& - 6A(PA).1oso2y Pwo o n=orm 3039 1101 SX 1924PG 1 3.90 (b) Any such agreements will not affect the rights Borrower has if any - with respect to the Mortgage Iasarance uhda the llotneowners Protection Act of N996 or any other law. Thee rights may lactnde the right to -receive certain disciusares, to request and obtain caDc elation our the Mortgage b wuvnce, to have the Mortgage Insurance tercabuded autowinticaRy, "Nor to receive a refund of nay Mortgage lum arc e: pr seafuaas that were unearned at ft time of such cancellation or tern tuition. 1L. Assigmuent of Miscellaneous Proceeds; Forteitm, All Miscell8ruoocts Proceeds are hereby assigned to and shall be paid to L.ander. If the Property is damaged, such N isalitncous Proceeds shall be applied to restoration or rep' of the Property, if the restoration or repair is econoeaicaily feasible and Lender's security is not lessened. Daring such rapes and restoration period, Lstdes "'have the right to hold such Mnscellaneahs Proceeds until Lander has had an opportunity to inspect such Property to ensure the words has been completed to Lender's satisibcdon, provided that such inspection shall be anda ken promptly. LxnxW may dray for the repairs and restoration in a single disbc cement or in a se ies of progress payments as the wart is oompkacd. Unless an agrc=ent is made in writing or Applicabk Law requires interest to be paid on such Alisodlancotts Proceeds, L,entlar shall not be require!. to pay Borrower any interest or earnings on such MismRancous Proceed& If the restoration or rte is not economically feasible or Lender's security would be lessened, * Nfissceilancoas Proceeds d aA be applied to the stuns secured b this Seem* Instrunartt, whether or not tires fie, with the excess, if any, paid to Bor rower. Such Miscellaneous. Proccoft 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 Miseeldaneous Proceeds shalt be applied to the stuns secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking. destruction, or km in value is equal to or greaser rhea the amoarht of the sums secured by this Security Instrument immediately before the partial Wd ng, destruction, or loss in value, ankss Borrower and Lender odutxwise agree in writing, the sums sacred 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 imrneffia* before due partial talcing, destroction, or loss in value divided by (b) the fair market value of the Property immediately before the pawl taking, destructim or km in value. An balance ahnkk be paid to Borrower. . In the event of a pmtdak taking, desfr=on, or loss in value of the Property in which the -fair master value of the Property immediately before the partial taking, destruction. or loss in value is tress than the amount of tine sums secured immediately before the partial tttimng, destruction, or km in value, unless Borrower and Lender otherwise agree in writing, the IVfisakaanoous Proceeds shall be applied o the suns secured by this Security Insirument whether or not the sums we 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 reapond to Leader within 30 days after the bate 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 same secured by this Security Instrument, whether or not then due. "Upposmg Party" means the third party that owes Borrower Miscelaneous Proceeds or the party against whom Borrower has a right of action in regard to lYf1Wdbn00as Prooeeds. Borrower shall be in defauh If any action or p woodang, whether civil or criminal, is begun that, in I csrda's judgment, could resuk in forfeirm of the Property or other material impairment of Lender's interest in tdte•Propexty a rights noels this Security Instruaoe nL Botnowa can nuts such a dCfRilt and, if accekxation has occurred, talu tts as provided in Section 19, by causing the action or ptocmftg to be dismissed welt a ruling that, in Lender's judgment, precfides forfeiture of the PXopedy or otdw tr aWW impairment of eft-OA(PA) tosort ` p.y ro.t.a— Forwn nn tlot 8K i 924PG 1391 : air anror� ®su ,ter s Leader's interest in the Property of nights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest hi the 'Property are hereby assigned and shall be paid. to Lender. All Miscdlatroous Proi Beds that are not applied to restoration or repair of the Property shat! be applied in the order provided for in Section 2. 12. Borrower Not Releaseii; Forbearano a By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secturai by this Security Instrument. granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to rekwe die liability of Borrower or any Successors in Interest of Borrower. Lender shall not be mquired to comme= prongs spilm any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortizuion of the sums swAmA 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 exetciaing any right or remedy including, without limits tim, Lender's acceptance of payments am third persona, entities or Suceeseors in Interest of Borrower of in amounts less than the amount they due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several LbMf3tj; Co- mantra; Srccrlveora sae! A Bonn& Borrower covenants and agrees that Borrower's obligations and tiiability shall be joint and several. However, any Borrower who co -signs this Security Inshvment but does not execute the Note (a 'co- signer"): (a) is co- signing this Security Instrument only to mortgage, grant and convoy 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 externd, modify, forbear or matte any accommodations with regard to the terms of this Security city Instrturent or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest. of Borrower who assumes Borrower's obligat ions tinder this Security Instrimrent in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability wider this Security Inwameot unless Leader agrees to such release. in writing. The covenants and agreements of this Security Instrument shall bind (excerpt as provided in Section 20) and be riefit the successors and assigns of Lender. 14.. Loan Charges. Lender may charge Borrower foes for services performed in connection with Borrower's default, for the purpose of protecting Leader's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys' fees, property inspection and valuation fees. In regard to any other fees, the absence of expa;rss authority in this Security Inert to charge a specific fee to Borrower shall not be construed as a probibition on the charging of such fee. Lender may not charge fees than are expressly prohibited by this Security Instrument or by Applicable; Law. If the Loan is subject to a law which seas r wdmum loan charges, and that law is foully interpreted so that the interest or other loan charges collected or to be o9kcied in connection with the Loan exceed the permitted limits, their: (a) any such lost charge shall be rtaiced by the amount nocessary to reduce the charge to the permitted limit and (b) any stuns already eoliected brow Borrower which exceeded permitted limits will be refunded to Borrower. Leader may choose to malice this refund by redaci ig the principal owed under the Noto or by malting a direct payment to- Bonuwer. if a ref r d reduces principal, the reduction will be treated as a partial prepa without any prepayment charge (whether or not a P"TRymcnt charp is provided for under the Note). Bexrowces atx,eptence of may such rdtmd made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have. aching out of such overcharge. ` • " ;+� `�` - aura. »: � � K � 4ft-SA(PA) tow2) Page ».µs Form 3030 tlOt BU 924PG 1392 15. Notice& All notices given by Borrower or Leader in connection with this Security Instrument most 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 fast class mail or when acuiany delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shag constitute notice to all Bonuwers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notion to Lender. Borrower shall prouipty notify Linder of Borrower's chop of address. If Leader specifics a proctbm for reporting Borrower's change of address, than Borrower shall only report a change of Wren through that specified procedure. There may be only one designated notice address under this Security Instrument at any one dlrm Any notice to Lender shall be given by delivering it or by mailing it by fast 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 "not be deemed to have been given to Leader until witualiy received by Leader. If any notice required by this Security Instrument is also required under Applicable taw, the Applicable Law requirement will satisfy Oz rorrospoading requirene nt hander this Security Inapt. 16. Governing Law; SevesabBlty; Rates of Coubvdion. This Security Instrument. shall be governed by federal law and the law of the jurisdiction in which the Property is kcatad. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicabk Law might explicitly or implicitly stow the panties to agree by coati= or it might be sikat, but such silence shall not be construed as a probibitiom against agreement by contract. In the event that any provision or clause of this Security Insaumert or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this SO=4 Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine guider shalt meant and inctode 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 discredon without any obligation to take any action. 17. Borrower's Copy. Borrower skald be given one copy of the Note and of Iris Security Instrument. 1g. 'Ilraeafer of .the Property or a BernrlaW user'& In Borrower. As used in this Section 18, "Interest in the Property" mews any legal or benedicial interest in the Property, including, but rot limited to, those beneficial interests transferred in a bond for dead, contract for deed, installment sales contract or escrow agroanent, the it"= of which is the transfer of title by Borrow= at a fitter 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 nahaal person and a beneficial atteres in Borrower is sold of transferred) without Lendar's prior written conseot, Lander may require immediate payment in full of aII sums secured by this Security Instrument. However, this option shall• not be exarised by Leader if which exercise is prohibited by Applicable Law. If Lender exercises this optmn. Lexidor shall give Borrower notice of armor. The notice shall provide a period of not loss than 30 days from the date the notice is given in accordance with Section 15 within which Borrower mast pay all sums secured by this Security InstnumenL If Borrower fails to pay these; sums prior to the eacpiQadon of this period, Leader may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Hostower's R*t to RehoWe Altar Aooeieuratiota. If Borrower mods certain condmons, Borrower shall have due night to have atfeaoenett of this Security Instrument discondinned at any time prior to the eartiest of. (a) fen days before sale of the Property pursuant to any power of We contained in this Security Instrument, (b) stir other tensed as APPlicable Law might specify for the ttsmmation of Borrower's right to nahistate; or (c) entry of a judgment etfarcxng this Security Instrumwt Those conditions are that Borrower: (a) pays Lender an stuns which that would be due wider this Security Instrument and the Note as if no acceleration had occurred; (b) arcs any dd k k of any other. covenants or agroemeols: (c) pays all Initials: ,I 4ft-GA(PA) (orso2) Y Pap• 12arar- Form 3039 flat gK 1924PG 1393 : `'' expenses incurred in enforcing this Security InstrumenL 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 lastrnmeat; and (d) takes such action as Leader may reasonably require to assure that Lander's interest in the Property and rights under this Socuuity Les trumcnt, and Borrower's obligation to pay the sums secured by this Security Instruatau, sluts continue unchsngtd. Leader may require that Borrower pay such reikstsement sunas and expanses in one or more of the folbwi g farms, 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, instritmentality or. entity; or (d) Electronic Funds Transfer. Upon reimstatearent by Borrowtr, this Security Instrument and obligations secured hereby shall remlaim fully. effective as if no acceleration had oo=r ed. However, this right to reinstate shall not apply in the cat. of wx4eradon under Section 18. 28. Sale of Note; Change of Loan Servicer; Notice of Grievasom The Note or a partial interest in the Note (together with this Security Instrument) can be sold one at more times without prier notice to Borrower. A salt might result in a change in the entity (latown as the "Loan Servicer") that collects Periodic Payments due under the Note and this Samty lnwament and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable law. Them also might be one or more changes of the Loan SwAcer unrelated to a sale of the Note If there is a change of the Loan Serviccr, 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 requites in conawbon with a notice of transfer of servicing. If the Note is sold and Oiuufkr the loan is serviced by a LA= Servicer other that the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Low Servicer or be transfernd to a sac c ssor Loan Servicer and are not assumed by the Note p=hasm unless otherwise provided by the Note purchamr. Neither Borrower nor Lender may cotanwice, join, or be joined to any judicial action (as either an individual litigant or the amber of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other patty has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Leader . has notified the other party (with such notice given in compliance with the requirartents of Section 15) of such alleged broach and affarded the other party herm a reasonable period after the giving of such notice t D trite 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 proposes of this paragraph. The notice of acceleration and opportunity to out given to Domm+er pnraruent to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to -take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" art those substances defined as toxic or hazardous substances, pollutants, or wasaw by Bnvironmeatai' Law and the folbwmg substances: gasoline, kerosene, other flammable or toxic pwvlettm products, toxic pesticides and herbicides, volatile solvents, ma miah comaining asbestos or formaldehyde, and radioactive materiah; (b) " Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that rehte to health, eatery or envhwuneatal protection; (c) " Environmental Cleanup" inc>sdts any response anon, remedial action, or removal action, at defined in Etvi onmeetal Law; and (d) an "&ivironmentai Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Inklde 4q- QA(PA) (a3D2) ' Pag* 13 am$ Form 3039 x/01 B�f 1924PG 1394 Borrower shall not cause or permit the presence, use, disposal, e, or release of any Hazardous es, Substanc or drrraten to release any Hauadous Substances, on or ut�- Borrower shall not do, nor allow anyone else to do, anything the (a) that is in violation of any Envirorrmeutd Law, (b) which creates an Environmaotalition, or c) which, due to the puce, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the =. The preceding two sentatces shall not apply to the presence, use, or storage on the Property of quantities of Haws Substances that are generally recognized to be aMopriaw to r4rmal residential uses and to maintenance of the � ' Cmdtg. but not limited to, hmmrdous substances in consume products). Borrower shall promptly give Lender written notice of (a) any invest, claim, demand, lawsuit or other action by any go tad ob.re agency or privase party involving the Property and any Hazardous Substance; . of which Borrower has ac knowledge, (b) any Environmental Condition; Z: g but ito Uinited to, any spilling, leaking discbargc, release or threat of release of any Hazl�ous Substance, and (c) any coo itson tensed by the pr senet, use or release of a Hazardous Substmtec which adversely affects the value of the Property. if Borrower learns, or is notified by any governmental or audsority, or any private that an removal or other ronctliation of any Hazardouq Substance affecting the Property is neoessa y. Borrower st►aii promptly take all nocessary rc medial actions in accordance with Environmental Law. Nothing hertin shall create any obligation on Lender for an Enviaonrat ntal . NF COV$NAI ' and Lender furttux covenant aril agree as Mows: Be ' — p , VFW jPn a notice to Borrower prior to acceleration following Borrower's breach of . rq�lt� t in this Iaetrsment (bat not prior to acodz�ralit i under SectfM uttthxs provddne �). Ltadtr EhaH notift Borrower of, among other thirds: (a) the ddsuk; (b) line action required to care the defW*; (c) what the ddauif must be cured; and (d) that failare to ere the ddask as edftd may reaoit in acceleration of the soma seared by elms Security Iastrnmea4 fbreiosua+e by rroceedisS and sale d the Property. Leader Shag farther inform Dormweir of the right to reinstate after acceleration and the A Pt to assert in the forme proceediag sass- exhteace of a defauh or an other defew od to acceleration and foretlawre. the defadt is not cared as specified, Leader at its option may require intmedlift Payment In Mall of all stems seared by this Secuft Taptratmat without fbrdw don and may foreckwe this Security •Inetrameat by judicial proceedber. Lender shall be entitled to collect all enrpeaaea incurred is pmmuns the remedies le this 22, including, but not limited to, attorneys' fern and coits of dfie evidence to the erttmt peruMed by Applicable Law. 23. Man& Upon payment of all sums secured by ttus Security Inisuument, this Instrument and the estate conveyed ahaD tmminste and boome void. After such occunrom Lender discharge and satisfy this dy IostcuruerrL BaraweY shat! pay any r�ocondadon costs Lexda may diarge Borrower a foe for xtleasin dais Stcuui/y Instrtnrnemt, the fee is paid m a third party for services rendered and the . chargatg otF the fde is pamrtt� order Law. Z4. Waivers. Harrower, ro the exits[ jraxrtittetl by Applicable Law, waives and releases any eirm or defects in proceedings W enforce this Stxarrty Irtsrnmeant, and hereby waives the benefit of any or from attachment, Levy and ! providing far stay of exexuttory crn#ansioa of tune, earexnpaorr 25. RemelaMemtst Period. Borrower's time to reinstate provide d in Section 19 shat! extend to one hour prior to the commencement of bidding at a d w&s sale or other sale pursuant to this Security Tnstrmnent. 26. Parchim Money MortpSs. If any of the debt secured by this Security Instrument is lent to Borrower to acquire tide: to the Property, this Secretly instrument stall be a ptr+cime money montage. 27. Interest Rate After Jndgptoent. Borrows agrexa first the ta iniratist raft pa yable after a judgment is entd on the Note or in an action of mortgage foreclosure shalt be the rate payable from time to time under the Note. - SA(PA) tosm) Form 3039 1 101 • i i. . 8K t 924PG 1395 TW BY SIGNING REWW, Borrower xxnts and agrees to the tams and coveFwnts contained in this Security huff went and in any Rider executed by Borrower and rcoorded with it Witnesses: (Sew) 8t.ENN E. FlnUVQ - Borrower </ V (Sew) �) - Borrower - Borrower (seal) {Sea]) - Borrower '- Borrower (seal) (Seat) - Borrower - Borrower 4 %6A(PA) (0502} Pape 16 aF4r Fenn 2029 1 /ot BK 1924PG l 39,6. COMMONWEALTH OF PENNSYLVANIA, l:C{ .1 11 County sa: On this, the 13 day of 0 �/ , before roc, the undersigned officer, ply Vpcatcd Gltnn r) , 41 t� satisfactorily proven to be the person(s) whose namc(s) isjare subscnl:ed to the within instrument and acknowledged that hcjshejfty executed tic same for the purposes berein contained. IN WfINESS VdiUMF, I hereunto set my hand and offcial sea). My Commission Expires: NOtwllt! tiiAt 5MrlIMiA t tl N • CM OF iN1MMURQa Alll/I0 COMP r Mt Cpetrttilaat 41oM i1P i 7, At K L I 11 Mile of Officer F�' Y 9 Certificate or Residence •. 1 , - 4 - w"j do hereby certify that the coneat address of the within - named Mortgagee is P.O. Box 2026, Flint, MI 48501 -2026. Witness my hand this j 3 day of -5e " S Agent of Mortgagee Inklals: M 4ft -GA(PA) toam Pap. laO." Form 3039 1101 HK 1924PG 1397 MMIBIT "A" BEING TER SAM PROPIMTY CONVEYXD TO GLMW E. TXTTING BY DFM TROT[ GLMM E. Y TTXNG AND LXSA A. rxTxr a RECORDED 09/15/1993 IN DMD BOOR N36 PAGN 460, Ili TBE OTTICX OF TSR RRCORDER OV DA=D$ 07 CDiib lfiD COUNTY, PEK SYLVANTA. 8K1924PG1398 SCisxA ULF, i / A " ALL THAT CERTAIN PIECE OR PARCEL OF GROUND SITUATED IN THE TOWNSHIP OF SOUTH MIDDLETON, COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A STAKE ON THE NORTHEAST CORNER OF OTTO AVENUE AND BOLTON AVENUE; THENCE ALONG OTTO AVENUE, NORTH 13 DEGREES 45 MINUTES EAST 75 FEET TO A STAKE AT LAND NOW OR FORMERLY OF R.E. WEIDNER; THENCE ALONG THE SAME, SOUTH 76 DEGREES 5 MINUTES EAST 125.95 FEET TO A STAKE ON THE WEST SIDE OF A 20 FEET WIDE RIGHT OF WAY; THENCE ALONG THE SAME, SOUTH 13 DEGREES 45 MINUTES WEST 75 FEET ON THE NORTHERN LINE OF BOLTON AVENUE; THENCE ALONG THE SAME, NORTH 76 DEGREES 5 MINUTES WEST 125.95 FEET TO A STAKE AND PLACE OF BEGINNING. BEING PART OF LOTS NOS. 16 AND 17 ON THE PLAN OF LOTS KNOWN AS CARLISLE MANOR, AND BEING IMPROVED WITH A ONE BRICK DWELLING KNOWN AND NUMBERED 19 OTTO AVENUE. UNDER AND SUBJECT TO RESTRICTIONS OF RECORD (20 -L -778) TOGETHER WITH A RIGHT OF WAY 20 FEET WIDE EXTENDING NORTHWARDLY FROM THE NORTHERN LINE OF BOLTON AVENUE A DISTANCE OF 75 FEET, SAID RIGHT OF WAY TO BE USED FOR THE PURPOSES OF INGRESS, EGRESS AND REGRESS BY THE WITHIN GRANTEE, THEIR HEIRS AND ASSIGNS IN COMMON WITH ROBERT E. WEIDNER AND MILDRED M. WEIDNER, HIS WIFE, THEIR HEIRS AND ASSIGNS, SAID RIGHT OF WAY EXTENDING OVER THE EASTERN 20 FEET OF LOT NO. 16 BLOCK "B" AND THE EASTERN 20 FEET TO THE SOUTHERN ONE HALF OF LOT NO. 17, BLOCK "B" AS SHOWN ON SAID PLAN OF LOTS, BEING THE SAME PROPERTY CONVEYED TO GLENN E. FITTING BY DEED FROM GLENN S. FITTING AND LISA A. FITTING RECORDED 09/15/1993 IN DEED BOOK 936 PAGE 460, IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA. um 1924PG 1399 ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made this 13th day of Ssptswber 2005, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security instrument ") of the same date given by the undersigned (the 'Borrower ") to secure Borrower's Adjustable state Note (the "Note ") to FREMONT INVESTMENT & LOAN (the "Lender") of the same date and covering the Property described in the Security Instrument and located at: 19 OTTO AVENUE CARLISLE, FA 17013 [Property Address) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT, INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial Interest rate of 7.750 9'0. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Chang* Dates The interest rate I will pay may change on the I I rat day of Detober 2007, and on that day every sixth month thereafter: Each date on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE RIDER - Single Family ia899R (0402) . R ,l l- 6�f'B" Page �- e�/ fnit[a1s. VMP Mortgage Solutions, Inc. (800)521 -7291 BK i 924PG 1400 (0) 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- denominsted deposits in the London market l "LIBOR "), as published In the WALL STREET JOURttM most recent index figure available as of the date: ©45 days ❑ before each Change Date 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 Six and Sixty -Seven Hundredths percentage points { 6.6700 %) to the Current Index_ The N19 Holder will then round the result of this addition to the a Nearest ❑ Next Highest u Next Lowest Ona -6 i ghth ( 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 t 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. ❑ interest -Only Period The "Interest -only Period" is the period from the date of this Note through N/A For the Interest -only period, after calculating my new Interest rate as provided above, the Note Holder will then determine the amount of the monthly payment that would be sufficient to pay the interest which accrues on the unpaid principal of my ban. The result of this calculation will be the new amount of my monthly payment. The "Amortization Period" is the period after the interest -only period. For the amortization period, after calculating my new Interest rate as provided above, the Note Holder will then determine the amount of the monthly payment that would be suticient 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. i lnitlais: w_ 1� 4ft 899R (0402) Page B-e*5 BK un 1924PG 1 401 (0) t_imtts on Interest Rate Changes ( Phase check appropriate boxes; It no box Is checked, there will be no maximum Ilmtt on chanfles ❑ (f) _There will be no maximum limit on interest rate changes. ® (2) The interest rate I am required to pay at the first Change Date will not be greater than 9.750 % or less than 7.7500 �%. (3) My interest rate will never be increased or decreased 01% a Change Date by more than One and One -Half percentage points ( 1.5000 %) from the rate of interest t have been paying for the preceding period. (4) My interest rate will never be greater than 13.7500 °/,, which is called the "Maximum Rate.' Ei (5) My interest rate will never be less than 7.7500 %, which is called the "Minimum Rate." (B) My Interest rate will never be less than the initial interest rate. (7) The Interest rate I am required to pay at the first Change Date will not be greater than 9.750 % or less than 7.7500 g Thereafter, my interest rate will never be increased or decreased on a�1+ I tangs Date by more than One and One -Hal f percentage points 1.5000 %) from the rate of interest I have been paying for the preceding period. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. l 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 1 may have regarding the notice. Initials: M�MR (0402) Page 3 et3"%Z4 B{ 1 924PG 1402 B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Security Instrument is amended to read as follows: t 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 soli 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 also may 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. It 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. 899R (0402) Page 4 ef•5 Initials: M KP BK-t 924PG 1.403 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rides. /..�. (Seal) Seal) Bt,EW E. PING - Borrower orro (Seal) (Seal) - Borrower - Borrower (Seal) (Seal) - Borrower - Borrower (Seal) (Seal) - Borrower - Borrower Auk -899R (0402) Page .5 ef- Recordirr Of D�EU7 ON 19:2 4 PG 14-04 Stem & Eisenberg, PC' 1581 Main Street, Suite 200 The Shops at Valley Square Warrington, PA 18976 (215)572 -8111 Date: July 12, 2013 COMBINED NOTICE UNDER .ACT 6 and ACT 91 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if REM" can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving 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- 2397.0Persons with impaired hearing can call (717) 780 - 1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGR.AMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. A HOMEOWNER'S NAME(S): Glenn E. Fitting I/ PROPERTY ADDRESS: 19 Otto Avenue, Carlisle, PA 17013. MAILING ADDRESS: 19 Otto Avenue, Carlisle, PA 17013 -3129 LOAN ACCT. NO.:418NOW ORIGINAL LENDER: MFRS, Inc. as nominee for Fremont Investment and loan CURRENT LENDER/SERVICER: Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FRI Mortgage Pass - Through Certificates, Series 2006 -FR1, by its Servicer, Ocwen Loan Servicing, LLC 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: x IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, x IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND x 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 (plus three (3) days for mailing) from the date of this Notice. 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 THE NEXT (33) DAYS. 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.) If you have tried and are unable to resolve this problem with the lender, 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. Your application MUST be filed or postmarked within thirty (30) days of your face -to -face meeting. 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 "TEMPORARY STAY OF FORECLOSURE ". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATIONN IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTXON 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 fled bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - -The MORTGAGE debt held by the above lender on your property located at: 19 Otto Avenue, Carlisle, PA. 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 payments from February 1, 2013 through and including July 12, 2013 as follows: Payments of $566.27 due on 02/01/2013 through and including 07/01/2013, in the amount of ................ ............................... ......................$3,397.62 Other charges (explain/itemize): Latecharges: .......................................................................... $112.16 Feesbilled .......................................... ............................... .....$363.00 Other charges ( explain) . ............................... ..........................$0.00 Less suspense ................ ............................... ..........................$0.00 TOTAL AMOUNT PAST DUE: .................................................... $3,872.78 B. Reserved for items other than amounts set forth in A. above. HOW TO CURE THE DEFAULT - -You may cure the default within THIRTY -THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,- WHICH IS $3,872.78, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE D URI7VG 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: Ocwen P.O. Box 6440 Carol Stream, IL 60197 -6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged p roperty. 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) DAYS period, 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 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 M 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 four (4) to six (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: Wells Fargo Bank, National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC Address: P.O. Box 6440 Carol Stream, IL 60197 -6440 Phone Number: 800 -310 -9229 407 -737 -6300 (fax number) Contact Person: Performing Collections Dept./Loss Mitigation Department 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 Sheriff's 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. 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 Page) Sincerely, STERN & EIS NBE G, PC BY: ern & Eisenberg, P VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTE AND REGULAR MAIL NOTICE PURSUANT TO TI-1E FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTERINOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE/LIEN AGAINST REAL PROPERTY. reherisiv.Hausin p . PEN ^15.YLYAHlq: HOUSING.FINANCEAGENCY; �vU UIIS eIin A nGi S. AgetTcias,cle Cbrrsejo al Clienie paid Vhvieriaa Gutbberlarid Gb.unty ''CCCS of lN"m PA-York 55 Clsrei H71 Foal DaOanown, PA 17313. 888511222 t / 888.51'11127 �YWrl.C!'L40a.OFJ Cbmmunit Action commission - Capita! Region 1514 Derry St Hani-,h tg PA 17184 7.17232.975?' • . w.v+txwt6�untv.aro ' Harrisburg Fair Housing Cb}tncil 2100, b1 6th St Hanisbuttj PAV11O; 717138:9540 Housing & RedevelapmehtA 'horny - Cii bh dbitd Cnty 114 M HanoverSt;STE104 .CarfsL PA 1?013 866.683:59071717249.0789 :�nwaechta.com Pathstone Corporation PennsyW ni 16251460h Secirid St Harosbuig PA 17102 717234.6616 I -A .,h Peiinsywania Interfaith Commuriity Programs, Inc, Getty Eu7g. PA ;17325 717.333:1618 :��vwadamscha.ato H07 E: h4arty_of the ageliciM, offer veorCSlicps af, various IocaGon sites; :i all,to: f rid a location' near Y* Report qst- updated:413012012 9:03:04 AM Page 1.011 Stern & Eisenberg, PC 1581 Main Street, Suite 200 The Shops at Valley Square Warrington, PA 18976 (215)572 -8111 Date: July 12, 2013 COMBINED NOTICE UNDER ACT 6 and .ACT 91 T AKE .A.CTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S 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 THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any 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 TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRA.MA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Molly K. Fitting PROPERTY ADDRESS: 19 Otto Avenue, Carlisle, PA 17013. MAILING ADDRESS: 472 Burnt House Rd, Carlisle, PA 17015 -9350 LOAN ACCT. NO.'` ORIGINAL LENDER: MERS, Inc. as nominee for Fremont Investment and loan CURRENT LENDERISERVICER: Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FRI Mortgage Pass - Through Certificates, Series 2006 -FRl, by its Servicer, Ocwen Loan Servicing, LLC 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: x IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, X IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND r 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 (plus three (3) days for mailing) from the date of this Notice. 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 THE NEXT (33) DAYS. 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 counly 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.) If you have tried and are unable to resolve this problem with the lender, 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. Your application MUST be filed or postmarked within thirty (30) days of your face -to -face meeting. 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 PIMA 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 "TEMPORARY STAY OF FORECLOSURE ". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION -- 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 leave filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date) NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 19 Otto Avenue, Carlisle, PA. 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 payments from February 1, 2013 through and including July 12, 2013 as follows: Payments of $566.27 due on 02/01/2013 through and including 07/01 /2013, in the amount of ................ ............................... ......................$3,397.62 Other charges (explain/itemize): Latecharges: .......................................................................... $112.16 Feesbilled ...................................... ............................... .........$363.00 Other charges ( explain). ...........,. .................. ..........................$0.00 Less suspense ................ ............................... ..........................$0.00 TOTAL AMOUNT PAST DUE: ..................................................... $3,872.78 B. Reserved for items other than amounts set forth in A. above. HOW TO CURE THE DEFAULT - -You may cure the default within THIRTY -THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3,872.78, 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 cheep certified check or money order made payable and sent to: Ocwen P.O. Box 6440 Carol Stream, IL 60197 -6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY. (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to _foreclose upon your mortgaged p 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) DAYS period, 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 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 four (4) to six (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: Wells Fargo Bank, National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC Address: P.O. Box 6440 Carol Stream, IL 60197 -6440 Phone Number: 500 -310 -9229 407- 737 -6300 (fax number) Contact Person: Performing Collections Dept./Loss Mitigation Department 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. YOU MAX 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 Page) Sincerely, STE EISENB C BY: tern & Eisenberg, PC VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND REGULAR MAIL NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any Portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTERINOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN. BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE/LIEN AGAINST REAL PROPERTY. 4 ; '''�'�' Gompre. ensive.Housisig PENNSYIYAHIA HOUSINI,FINARCEAGE 16 C.ounsew , erlc� 9 9... A9eilaias 0' Coiisejo.al CIferite'para Vivienda: Cumbdrland County "CCCS of Western PA -York 55 Ckrv2rFl0f Poad Dal as ,vn, PA. 17313 88B.511.222718B8:5112227 �w�nytasaa.ona Communityi0.ction Commission - Capital Region 1514 Deny St Hards6u% PA 17104 717232.9757 xrivrtactrimunN:orci Harrisburg Fair Housing Courticil, 2100 6tA St' Ham*fg PA 17110` 717238.9540 Housir.9 RedevelopmpntAritlzority- 'Cumvferiand Cnty '114 N Hanovei$t;STE 104 Carrste, PA 17013' 866.683590? / V14.11AM x4t4y.CChfa.C4M Palbstone Corporation Pennsylvania 1625141 0 Seinnd Si' Har&iurg.PA 17102 717234.6616' -,many hur,_ .r rj, •L.�n�iheton0 na Mm Ptinnsytvania Interfaith .Com'ftitinityPrograms, Inc, 40.1; High S[ Gettystora' PA,17325' 717.334.1518 C.nviyada rnscf ia'.afir Mt3TE Mary of the ageiicies.offcr v ereshop5 a! 'various loeatitin site's; eatl . to find a.lota4ion:ne3i you Report last updated: 4/30/2012 9;03:04 AM Page 1 of 1 ...... .. U.S. PoarAGE>> PITNEY rC)'WES 0 Name and STERN & EISENBERG z(p 19046 $ 001.68' Address 261 Old York Road-The pavilion-Ste 410 02 00 JUl 12 2013 of Sender Jenkintown, PA 19046 Line Article Number NEI I Glenn E. Fitting -o ne 19 Otto Avenue, 'n11j Carlisle, PA 17013 Er 2 Molly K Fitting r:; Postage $ 19 Otto Avenue, o Certified Fee Carlisle, PA 17013 rn Postmark C3 Return Receipt Fee Hero 3 Molly K. Fitting C3 (Endorsement Required) 472 Burnt House Rd, M Restricted Delivery Fee O (Endorsement Required) Carlisle, PA 17015-9350 _r Total Postage & Fees M 7012 3460 0003 0919 2386 S ent fo - — ru - Aht. No.; 5 --------- Glenn E. Fitting or PO Box No 19 Otto Avenue, -_----_-_ ...... City, State. ZIP+4 g 3 PA 6 PHFA Carlisle, 17013 PO BOX 9029 G PA 17105-8029 . HARRISBUR ; ; 'I _.. Q 'n ;g mi • U.&'Postal Servicew CERT RECEIPT;, IFIED MAIL q- j-'(p owy, mo filisurance CoVeriage PrOvIdeq) 9 17� M u > r to )1.11 1 ,6 6 err:-' o Er d ry Ir Postage C3 os'a q Certified Fee rn Postmark 12 R Receipt Fee C3 Hbra. C3 (Endorsement Requi 13 77 f C3 very Restricted Delivery Fee C3 (Endorsement Required) a $ 14 1- Total Postage & Fees rn 15 RE: ACT NOTICE sen Postmaster ru t To Molly K. Fitting ....... Posm, Per (Name of Receiving C3 4 1-1- � Box 19 Otto PA 17013 Total Number of Total Number Of Pieces or PO No. tto Avenue, E m t o ec Pieces Listed b sender Received at Post Office ------- will. a r Wells Fargo Bank, National Association, as �, r Trustee for the Pooling And Servicing Agreement IN THE COURT OF COMMON t Dated as of February 1, 2006 Securitized Asset PLEAS OF CUMBERLAND�� Backed Receivables LLC Trust 2006 -FRI COUNTY, PENNSYLVANI& =_ Mortgage Pass - Through Certificates, Series 2006 - FR1, by its Servicer, Ocwen Loan Servicing, COMPLAINT IN .r LLC MORTGAGE FORECLOSU�) -`-a r> Plaintiff V. Glenn E. Fitting 13 • (03 Civil Molly K. Fitting Defendant(s) 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 th is foreclosure action, you may be able to participate in a court - supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a 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 conci liation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY TIDS NOTICE. TIDS PROGRAM IS FREE. Respectful su ni T Date: -- ,,.[SJgnature of Counsel for Plaintiff] Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement IN THE COURT OF COMMON Dated as of February 1, 2006 Securitized Asset PLEAS OF CUMBERLAND Backed Receivables LLC Trust 2006 -FR1 COUNTY, PENNSYLVANIA Mortgage Pass - Through Certificates, Series 2006 - FR1, by its Servicer, Ocwen Loan Servicing, COMPLAINT IN LLC MORTGAGE FORECLOSURE Plaintiff V. Glenn E. Fitting Civil Molly K. Fitting Defendant(s) REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated .2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in a court- supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. l understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel /Appointed Date: Legal Representative Signature of Defendant Date: Signature of Defendant Date: FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland. County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City: 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: # of people in household: How long? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INFORITATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan. Number: 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 #l: Model: Year: Amount owed: Value: Automobile #2 : Model: Year: Amount owed, Value: Other transportation (automobiles, boats. motorcycles): Model: Year: Amount owed. Value Monthly Income Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1, monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mort a Food Z MoTtpge Utilities Car Payment(s) CondoJNei ..Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop payment Install. Loan Payment Cable TV Child Su rt/Alim. Spending Mone Da /Child Care/Tuit. 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: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ❑ No ❑ If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: SenJicing Company (Name): Contact: Phone: I/we, , authorize the above named to use/refer this information to my lender / servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I /we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature -- Date — -- Please forward this document along with the following information to lender and lender's counsel: � Proof of income V Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation _ + (hardship letter) Y Listing agreement (if property is currently on the market) 3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson + EID-(){a Sheriff .r Jody S Smith ViN1111k rye Chief Deputy ? 2013 NQ I"li -00 Richard W Stewart Cl ` COUNTY Solicitor OP EV THE, rIF pEN S LVAN A Wells Fargo Bank Case Number vs. Glenn E Fitting (et al.) 2013-6336 SHERIFF'S RETURN OF SERVICE 11/01/2013 04:36 PM - Deputy William Cline, 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 ndant, to wit: Molly K Fitting at 472 Burnt House Road, Dickinson Township, Carlisle, PA 17015. WILLIMrCLINE, DEPUTY 11/07/2013 03:39 PM - Deputy Jason Kinsler, 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: Glenn E Fitting at 19 Otto Avenue, South Middleton, Carlisle, PA 17013. .$�e O, - JASO KINS E , DEPUTY 11/08/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, 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 19 Otto Avenue, South Middleton, Carlisle, PA 17013. There is no other Occupant other than Glenn E. Fitting. SHERIFF COST: $57.56 SO ANSWERS, November 08, 2013 RbNW R ANDERSON, SHERIFF icj CountySuito Sheritt,Teieosof.Inc. STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) fs ,` CHRISTINA C.VIOLA,ESQUIRE(308909) r r1uNO r^" ° ANDREW J.MARLEY(312314) Ch1 J _ j STERN&EISENBERG,PC 0 AM'I 1581 MAIN STREET,SUITE 200 f'L=fr" BE.1( f WARRINGTON,PENNSYLVANIA 18976 FEt�iN`' ND �+u uN r y TELEPHONE:(215)572-8111 YLVAN!,4 l FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- Civil Action Number: 13-6336 Civil Term FR1, by its Servicer, Ocwen Loan Servicing, LLC v. MORTGAGE FORECLOSURE Glenn E. Fitting Molly K. Fitting Defendant(s) PRAECIPE FOR ENTRY OF JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Enter judgment in favor of Plaintiff and against Defendant(s), Glenn E. Fitting and Molly K. Fitting , for failure of said Defendant(s)to file a responsive pleading to the Complaint within twenty(20) days of service thereof. PRINCIPAL BALANCE $102,911.65 INTEREST accrued thru 08/23/2013 of $2,911.52 Interest after 08/23/2013 shall accrue at the per diem rate of$12.55.) LATE CHARGES accrued thru 08/23/2013 of $112.16 Late charges after n t er 08/23/2013 shall accrue at the monthly nU�,t sib. . rate of$28.04.) � C , - DSO/ Lccos . N0'6' Aani , ESCROW ADVANCES $1,862.04 FEES BILLED $1,263.59 ATTORNEY'S FEE $5,145.58 Sub-Total Through Date of Complaint .....$114,206.54 ACCRUED INTEREST after 08/23/2013 shall accrue at the per diem rate of$12.55 to December 18, 2013 $1,468.35 ACCRUED LATE CHARGES Late charges after 08/23/2013 accruing at the monthly rate of$28.04 through December 18, 2013 $112.16 TOTAL DUE THROUGH DATE OF REQUEST FOR JUDGMENT $11 5,787.05 STERN& EISENBERG, PC BY: V ❑ 8TEVEN/K. EISENBERG, ESQUIRE g M. T: 0 Y FREEDMAN, ESQUIRE ❑ JA' • d ELINE F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Civil Action: 13-6336 Civil Term Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- FR1, by its Servicer, Ocwen Loan Servicing, LLC MORTGAGE FORECLOSURE v. Glenn E. Fitting Molly K. Fitting Defendant(s) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA : SS COUNTY OF BUCKS . I, the undersigned, being duly sworn according to law, deposes and says, to the best of his knowledge, information and belief, Defendants': 1. Last-known address is Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013-3129 Molly K. Fitting 472 Burnt House Road Carlisle, PA 17015-9350 2. Is over the age of twenty-one. 3. Is not now nor has been within the last six (6) months in the Armed Services of the United States as defined in the Soldiers' Civil Relief Act of 1940, as amended. STERN & EISENBERG, PC BY: ❑ J-TEVEN EISENBERG, ESQUIRE M. T 6 FREEDMAN, ESQUIRE ❑ J 'QUELINE F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff Sworn to and subscribed before me this 30th Day of December, 2013. 71,d Notary Public OMM9 *w ptyi,.v Alw NQTARIN-SEAL HELEN CAPASSO,Notary Pubiia Warring#on Twp•,Bucks County My Commission Expires October 21,2016 Department of Defense Manpower Data Results as of:Dec-30-2013 05:46:19 Center SCRA 3.0 i r, r iP�®4d� .: `f Staff Report t:.gam • Pursuant to Serviccrnemtbers Civil Relief Act Last Name: FITTING First Name: MOLLY Middle Name: Active Duty Status As Of: Dec-30-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date[. I'Active Duty End Date°.. Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Calt-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. I 01 yA. : , , , _Alio,' r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 Department of Defense Manpower Data Results as of:Dec-30-2013 05:45:06 Center SCRA 3.0 1"`♦ , i. Star=Report�Ik f -+- Pursuant to Servicemembers Civil Relief Act Last Name: FITTING First Name: GLENN Middle Name: Active Duty Status As Of: Dec-30-2013 On Active Duty On Active Duty Status Date Active Duty Start Date '.Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals'active duty status based on the.Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was.Notified of a Future Call-Up to.Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA ,No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. 411", ,r Yk. Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- FR1, by its Servicer, Ocwen Loan Servicing, Civil Action: 13-6336 Civil Term LLC v. MORTGAGE FORECLOSURE Glenn E. Fitting Molly K. Fitting Defendant(s) CERTIFICATION UNDER RULE 237.1 I, the undersigned attorney on the writ and attorney for Plaintiff, hereby certify that a ten-day notice of intention to enter judgment by default was sent to Defendants in accordance with Pa. R.C.P. No. 237.1., a true and correct copy of which is attached hereto. STERN& EISENBERG, PC BY: ❑ STEVEN . EISENBERG, ESQUIRE . ' • FREEDMAN, ESQUIRE ❑ J ' QUELINE F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff • STERN& EISENBERG PC THE SHOPS AT VALLEY SQUARE 1581 MAIN STREET,SUITE 200 WARRINGTON, PA 18976 TELEPHONE:(215)572-8111 FACSIMILE: (215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of Docket#: 13-6336 Civil Term February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FRI Mortgage Pass- TEN DAY NOTICE Through Certificates, Series 2006-FR1, by its Servicer, Ocwen Loan Servicing, LLC (Plaintiff) v. Glenn E. Fitting Molly K. Fitting (Defendant(s)) NOTICE PURSUANT TO Pa.R.C.P. 237.1 TO: Glenn E. Fitting Molly K. Fitting 19 Otto Avenue 472 Burnt House Road Carlisle, PA 17013-3129 Carlisle,PA 17015-9350 Date of Notice: Monday,December 2,2013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN(10) DAYS FROM THE DATE OF THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,-THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 800-990-9108 717-249-3166 STERN&.)�-IS£NB�; By: //1_1<r, tto� Plaintiff / �/ , f.T:MichaelalTen Day\Cumberland\Ocwen.Fitting.12,13.docx STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- Civil Action: 13-6336 Civil Term FR1, by its Servicer, Ocwen Loan Servicing, LLC v. MORTGAGE FORECLOSURE Glenn E. Fitting Molly K. Fitting Defendant(s) CERTIFICATE UNDER ACT 91 OF 1983 It is hereby certified that the Sheriffs Sale scheduled in the above-captioned matter is not protected under the Homeowner's Emergency Assistance And Mortgage Foreclosure Act, P.L. 1688, No. 621 because notice, as required, was sent to Defendants and no timely response was made. STERN& EISENBER PC BY: ❑ STEVE . EISENBERG, ESQUIRE M. T: Y FREEDMAN, ESQUIRE ❑ J A;QUELINE F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- FR1, by its Servicer, Ocwen Loan Servicing, Civil Action: 13-6336 Civil Term LLC v. Glenn E. Fitting Molly K. Fitting MORTGAGE FORECLOSURE Defendant(s) CERTIFICATION OF ADDRESS It is hereby certified that the last known addresses of the parties are as follows: Wells Fargo Bank,National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 (Plaintiff) Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013-3129 (Defendant(s)) Molly K. Fitting 472 Burnt House Road Carlisle, PA 17015-9350 (Defendant(s)) STERN&EISENB. •' ,P BY: ❑ STEV I K. EISENBERG,ESQUIRE OY FREEDMAN,ESQUIRE ❑ JACQUELINE F. McNALLY,ESQUIRE ❑ LESLIE J. RASE,ESQUIRE ❑ CHRISTINA C. VIOLA,ESQUIRE ❑ ANDREW J. MARLEY,ESQUIRE Attorney for Plaintiff r . STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- FR1, by its Servicer, Ocwen Loan Servicing, Civil Action: 13-6336 Civil Term LLC v. MORTGAGE FORECLOSURE Glenn E. Fitting Molly K. Fitting Defendant(s) NOTICE PURSUANT TO RULE 236 Notice is hereby given that a judgment in the above captioned matter has been entered against Defendants, Glenn E. Fitting and Molly K. Fitting, on Tuwlctri , 201-3.x;; BY: . Deputy If you have any questions concerning the above, please contact: Stem&Eisenberg, PC Attorney for Plaintiff 1581 Main Street, Suite 200 Warrington, PA 18976 Tel: (215) 572-8111 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL DIVISION J.? PRAECIPE FOR WRIT OF EXECUTION -0 ct 0'1 rn Wells Fargo Bank, et al. ❑Confessed Judgment 2.0 t '" Plaintiff ['Other VS. : File No. 13-6336-Civil <� $115,787.05 sQ = °' Glenn E. Fitting and Molly K. Fitting Amount Due p Defendant Interest —� U Address: Atty's Comm 19 Otto Avenue, Carlisle,PA 17013 : Costs TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract,or account based on a confession of judgment,but if it does,it is based on the appropriate original proceeding filed pursuant to act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County,for debt,interest and costs,upon the following described property of the defendant(s) 19 Otto Avenue, Carlisle, PA 17013 PRAECIPE FOR ATTACHMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County,for debt,interest and costs,as above,directing attachment against the above-named garnishee(s)for the following property (if real estate,supply six copies of the description;supply four copies of lengthy personalty list) and all other property of the defendant(s)in the possession,custody or control of the said garnishee(s). ❑ (Indicate)Index this writ against the garnishee(s)as a lis pendens agains eal a to of the defendant(s)described in the attached exhibit. Date 12/30/2013 Signature: S Print Name: . roy Freedman ouj\ isR 8-, Address: 1581 Main Street,Suite 200 Warrington, PA 18976 S—.),� ' Sic r� Plaintiff \6? ' C Li Attorney for: J 215-572-8111 it 1 S O t t ll Telephone: Supreme Court ID No: 85165 CA10. 3� .a. 6 • (41: SD �� 6.aw a WY t f27d�� ALL THAT CERTAIN PIECE OR PARCEL OF GROUND SITUATED N THE TOWNSHIP OF SOUTH MIDDLETON, COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A STAKE ON THE NORTHEAST CORNER OF OTTO AVENUE AND BOLTON AVENUE; THENCE ALONG OTTO AVENUE,NORTH 13 DEGREES 45 MINUTES EAST 75 FEET TO A STAKE AT LAND NOW OR FORMERLY OF RE WEIDNER; THENCE ALONG THE SAME, SOUTH 76 DEGREES 5 MINUTES EAST 125.95 FEET TO A STAKE ON THE WEST SIDE OF A 20 FEET WIDE RIGHT OF WAY; THENCE ALONG THE SAME, SOUTH 13 DEGREES 45 MINUTES WEST 75 FEET ON THE NORTHERN LINE OF BOLTON AVENUE; THENCE ALONG THE SAME NORTH 76 DEGREES 5 MINUTES WEST 125.95 FEET TO A STAKE AND PLACE OF BEGINNING BEING PART OF LOTS NOS. 16 AND 17 ON THE PLAN OF LOTS KNOWN AS CARLISLE MANOR, AND BEING IMPROVED WITH A ONE BRICK DWELLING KNOWN AND NUMBERED 19 OTTO AVENUE . UNDER AND SUBJECT TO RESTRICTIONS OF RECORD (20-L-778) TOGETHER WITH A RIGHT OF WAY 20 FEET WIDE EXTENDING NORTHWARDLY FROM THE NORTHERN LINE OF BOLTON AVENUE A DISTANCE OF 75 FEET, SAID RIGHT OF WAY TO BE USED FOR THE PURPOSES OF INGRESS, EGRESS AND REGRESS BY THE WITHIN GRANTEE, THEIR HEIRS AND ASSIGNS IN COMMON WITH ROBERT E. WEIDNER AND MILDRED M. WEIDNER, HIS WIFE, THEIR HEIRS AND ASSIGNS, SAID RIGHT OF WAY EXTENDING OVER THE EASTERN 20 FEET OF LOT NO. 16 BLOCK`B"AND THE EASTERN 20 FEET TO THE SOUTHERN ONE HALF OF LOT NO. 17, BLOCK`B"AS SHOWN ON SAID PLAN OF LOTS BEING KNOWN AS 19 Otto Avenue, Carlisle, PA 17013 BEING the same premises which Glenn E. Fitting and Lisa A. Fitting, husband and wife, by Deed dated September 07, 1993 and recorded September 15, 1993 in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book 36-N Page 460, granted and conveyed unto Glenn E. Fitting PARCEL NO. 40-22-0487-017 STEVEN K.EISENBERG,ESQUIRE(75736) 1f M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) i CHRISTINA C.VIOLA,ESQUIRE(308909) 49/ `l '' � ANDREW J.MARLEY(312314) ' ''-. a u�' •[ STERN&EISENBERG,PC • �k� 4 /I. , 1581 MAIN STREET,SUITE 200 pelrc4010 J"U WARRINGTON,PENNSYLVANIA 18976 4S ' CO/f J TELEPHONE:(215)572-8111 YAK/� r T ' FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- FR1, by its Servicer, Ocwen Loan Servicing, Civil Action: 13-6336 Civil Term LLC v. Glenn E. Fitting Molly K. Fitting MORTGAGE FORECLOSURE Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 I, the undersigned attorney for Plaintiff in the above caption, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 19 Otto Avenue, Carlisle,PA 17013. 1. Name and address of Owner(s) or Reputed Owner(s): Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013-3129 Molly K. Fitting 472 Burnt House Road Carlisle, PA 17015-9350 2. Name and address of Defendant(s) in the judgment: Glenn E. Fitting 19 Otto Avenue Carlisle, PA 17013-3129 Molly K. Fitting 472 Burnt House Road Carlisle, PA 17015-9350 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: N/A 4. Name and address of the last recorded holder of every mortgage of record: N/A 5. Name and address of every other person who has any record lien on the property: N/A 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: PA Department of Revenue Bureau of Compliance Box 281230 Harrisburg, Pennsylvania 17128 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Domestic Relations Tax Claim Bureau Cumberland County Cumberland County Courthouse 13 North Hanover Street One Courthouse Street Carlisle, PA 17013 Carlisle, PA 17013 Tenant(s)/Occupant(s) 19 Otto Avenue, Carlisle, PA, 17013. I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: December 30, 2013 STERN& EISENBER PC BY: ❑ TEVEN K EISENBERG, ESQUIRE M. TRO REEDMAN, ESQUIRE ❑ JAC ELINE F. McNALLY, ESQUIRE ❑ L LIE J. RASE, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE ❑ ANDREW J. MARLEY, ESQUIRE Attorney for Plaintiff Sworn to and subscribed before me This 30th Day of December, 2013. JJ4i otary Pubc ee+MMONWrw1.YM CO*r wrte�r-' NOTARIAL.SEAL HELEN CAPASS0,Notary Pak Warrington'Cwp.,Bucks county My Commission Exiaii es October 21,201 6 STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) ,x yG fy 'Yr' i f., CHRISTINA C.VIOLA,ESQUIRE(308909) 1 'LINO . ANDREW J.MARLEY(312314) 7J/4 J4 u f' STERN&EISENBERG,PC 3 j/: 1581 MAIN STREET,SUITE 200 l f .. tI I J t. WARRINGTON,PENNSYLVANIA 18976 PE/IN 1 ND CQ � TELEPHONE:(215)572-8111 YL fAN�q r FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass-Through Certificates, Series 2006- Civil Action: 13-6336 Civil Term FR1, by its Servicer, Ocwen Loan Servicing, LLC v. MORTGAGE FORECLOSURE Glenn E. Fitting Molly K. Fitting Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Glenn E. Fitting Molly K. Fitting 19 Otto Avenue 472 Burnt House Road Carlisle, PA 17013-3129 Carlisle, PA 17015-9350 Your real estate at 19 Otto Avenue, Carlisle, PA 17013 is scheduled to be sold at Sheriffs Sale on Wednesday, June 4, 2014 at 10:00 A.M., at Sheriffs Office, Cumberland County Courthouse, Carlisle, PA 17013 (location of sale) to enforce the court judgment of $115,787.05 obtained by Wells Fargo Bank, National Association, as Trustee, by its Servicer, Ocwen Loan Servicing, LLC against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be canceled if you pay to Stern& Eisenberg, PC the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call Stern& Eisenberg PC, telephone(215) 572-8111. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Stern&Eisenberg PC, telephone (215) 572-8111. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call Stern &Eisenberg PC, telephone (215) 572-8111. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after the sale date. This Schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten(10) days after the date of filing of said schedule. You should check with the Sheriffs Office by calling (717) 240-6390 to determine the actual date of filing of said schedule. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 800-990-9108 717-249-3166 STEVEN K.EISENBERG,ESQUIRE(75736) M.TROY FREEDMAN,ESQUIRE(85165) LESLIE J.RASE,ESQUIRE(58365) CHRISTINA C.VIOLA,ESQUIRE(308909) ANDREW J.MARLEY(312314) STERN&EISENBERG,PC 1581 MAIN STREET,SUITE 200 WARRINGTON,PENNSYLVANIA 18976 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Wells Fargo Bank,National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1,2006 Securitized Asset Backed Receivables LLC Trust 2006-FR1 Mortgage Pass- Through Certificates, Series 2006-FR1, by its Servicer, Ocwen Loan Servicing,LLC Civil Action: 13-6336 Civil Term v. Glenn E.Fitting Molly K. Fitting MORTGAGE FORECLOSURE Defendant(s) RE: PREMISES: 19 Otto Avenue,Carlisle,PA 17013 Dear Sir or Madam: Please be advised that I represent the above creditor that has a judgment against the above Defendant. As a result of a default,the above referenced premises,also described on the attached sheet,will be sold by the Sheriff of Cumberland County on Wednesday,June 4,2014 at 10:00 A.M. at Sheriffs Office, Cumberland County Courthouse, Carlisle,PA 17013 (subject to change without further notice). The sale is being conducted pursuant to the judgment in the amount of$115,787.05 together with interest,costs(and such other allowed amounts)thereon entered in the above matter in favor of Plaintiff against the above-named Defendant(s)who is/are also the real owner of said premises. I have discovered that you may have a lien and/or interest in the premises to be sold. This notice is given so that you can protect your interest, if any, in the lien you have on the premises. If you have any questions regarding the type of lien or the effect of the Sheriff=s Sale upon your lien, we urge you to CONTACT YOUR ATTORNEY, as we are not permitted to give you legal advice. A Schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after the sale date and the distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten(10)days thereafter. December 30,2013 STERN&EISENBERG,PC BY: ❑ STEVEN K. ENBERG,ESQUIRE p'M. TROY '' EDMAN,ESQUIRE ❑ JAC• d LINE F. McNALLY, ESQUIRE ❑ LESLIE J.RASE,ESQUIRE ❑ CHRISTINA C.VIOLA,ESQUIRE ❑ ANDREW J.MARLEY, ESQUIRE Attorney for Plaintiff ALL THAT CERTAIN PIECE OR PARCEL OF GROUND SITUATED IN THE TOWNSHIP OF SOUTH MIDDLETON, COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A STAKE ON THE NORTHEAST CORNER OF OTTO AVENUE AND BOLTON AVENUE; THENCE ALONG OTTO AVENUE,NORTH 13 DEGREES 45 MINUTES EAST 75 FEET TO A STAKE AT LAND NOW OR FORMERLY OF R.E WEIDNER; THENCE ALONG THE SAME, SOUTH 76 DEGREES 5 MINUTES EAST 125.95 FEET TO A STAKE ON THE WEST SIDE OF A 20 FEET WIDE RIGHT OF WAY; THENCE ALONG THE SAME, SOUTH 13 DEGREES 45 MINUTES WEST 75 FEET ON THE NORTHERN LINE OF BOLTON AVENUE; THENCE ALONG THE SAME NORTH 76 DEGREES 5 MINUTES WEST 125.95 FEET TO A STAKE AND PLACE OF BEGINNING BEING PART OF LOTS NOS. 16 AND 17 ON THE PLAN OF LOTS KNOWN AS CARLISLE MANOR, AND BEING IMPROVED WITH A ONE BRICK DWELLING KNOWN AND NUMBERED 19 OTTO AVENUE . UNDER AND SUBJECT TO RESTRICTIONS OF RECORD (20-L-778) TOGETHER WITH A RIGHT OF WAY 20 FEET WIDE EXTENDING NORTHWARDLY FROM THE NORTHERN LINE OF BOLTON AVENUE A DISTANCE OF 75 FEET, SAID RIGHT OF WAY TO BE USED FOR THE PURPOSES OF INGRESS, EGRESS AND REGRESS BY THE WITHIN GRANTEE, THEIR HEIRS AND ASSIGNS IN COMMON WITH ROBERT E. WEIDNER AND MILDRED M. WEIDNER, HIS WIFE, THEIR HEIRS AND ASSIGNS, SAID RIGHT OF WAY EXTENDING OVER THE EASTERN 20 FEET OF LOT NO. 16 BLOCK"B"AND THE EASTERN 20 FEET TO THE SOUTHERN ONE HALF OF LOT NO. 17, BLOCK"B"AS SHOWN ON SAID PLAN OF LOTS BEING KNOWN AS 19 Otto Avenue, Carlisle, PA 17013 BEING the same premises which Glenn E. Fitting and Lisa A. Fitting, husband and wife, by Deed dated September 07, 1993 and recorded September 15, 1993 in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book 36-N Page 460, granted and conveyed unto Glenn E. Fitting PARCEL NO. 40-22-0487-017 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-6336 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK,NATIONAL ASSOCIATION, AS TRUSTEE FOR THE POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 1,2006 SECURITIZED ASSET BACKED RECEIVABLES LLC TRUST 2006-FR1 MORTGAGE PASS-THROUGH CERTIFICATES,SERIES 2006-FR1,BY ITS SERVICER, OCWEN LOAN SERVICING,LLC Plaintiff(s) From GLENN E.FITTING,MOLLY K. FITTING (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $115,787.05 L.L.: $.50 Interest Atty's Comm: Due Prothy: $2.25 Atty Paid: $206.31 Other Costs: Plaintiff Paid: Date: 1/3/14 David Buell,Proth.,• (Seal) By: Deputy REQUESTING PARTY: Name: M.TROY FREEMAN,ESQUIRE Address: STERN& EISENBERG,P.C. 1581 MAIN STREET,SUITE 200 WARRINGTON,PA 18976 Attorney for: PLAINTIFF Telephone:215-572-8111 Supreme Court ID No. 85165 STEVEN K. EISENBERG, ESQUIRE (75736) M. TROY FREEDMAN, ESQUIRE (85165) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) ANDREW J. MARLEY (312314) STERN & EISENBERG, PC 1581 MAIN STREET, SUITE 200 WARRINGTON, PENNSYLVANIA 18976 TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY it, A 2uh4 +AP I0 PH 2; f UUMBERLANO COUNTY dS YL�� ANI PEN Wells Fargo Bank, National Association, as Trustee for the Pooling And Servicing Agreement Dated as of February 1, 2006 Securitized Asset Backed Receivables LLC Trust 2006 -FR1 Mortgage Pass - Through Certificates, Series 2006 - FR1, by its Servicer, Ocwen Loan Servicing, LLC v. Glenn E. Fitting Molly K. Fitting Defendant(s) Civil Action Number: 13 -6336 Civil Term MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, M. TROY FREEDMAN, ESQ., attorney for the within Plaintiff, hereby certify that notice of the Sheriff's Sale was mailed to the DefendantSby certified mail return receipt requested and regular mail, on March 4, 2014. I further certify that notice of the Sheriff's Sale was mailed to each lienholder by regular, first- class, postage prepaid mail on March 4, 2014, as evidenced by copy of certificates of mailing attached. 3/5/14 STERN & E BY: RG, PC ROY FREEDMAN Attorney for Plaintiff Name and Address of Sender STERN & EISENBERG 1581 Main Street, Suite 200 Warrington, PA 18976 Line Article Number Postage Fee .... : Glenn E. Fitting, 19 Otto Ave., Carlisle, PA 17013-3129 2 **** Molly K Fitting, 472 Burnt House Road, Carlisle, PA 17015-9350 3 **** PA Dept. of Revenue, Bureau of Compliance, Box 281230, Harrisburg, PA 17128 .:..,.. 4 **** Domestic Relations—Cumberland County, 13 N. Hanover St., Carlisle, PA 17013 5 **** Tax Claim Bureau—Cumberland County, One Courthouse St., Carlisle, PA 17013 6 **** Tenant(s)/Occupant(s), 19 Otto Ave., Carlisle, PA 17013 7 **** . U.S. Postal Service., , .., ' U.S. Postal SerViceym CERTIFIED MAILTM RECEIPT - CERTIFIEDNIAIL. RECEIPT * * * * (Domestic Mail Only; No Insurance Coverage Provided) Er (Domestic Mail Only; No insurance Coverage Lfl For delivery nfo on visit webalte at WWW.USPS.COm8 n j Provided) o For delivery InformatIon'idelt our webette at www.usps.como 9 **** rn Postage ro ...a Postage S 10 **** Certified Fee rrl ca Return Receipt Fee rj (Endorsement Required) El Restricted Delivery Fee (Endorsement Required) c3 z- Total Postage & Fees . P- Certified Fee Postmark m •'" Figr-e.' 1:1 Return Receipt Fee C3 (Endorsement Required) 1:3 , Restricted Delive ry Fee , • ED (Endorsement Required) ''1 Al : ,. —El 7" Tat] Postage Postmark IIIIIIIIII 11 * * * * Here 12 $ ... m & Fees ru rq El N Sent To Glenn. Street, Apt.No ; or PO BoxNo. 676 tq 6, P1-4 c. Rol e r nj r9 0 r, Sent To 0 Street, Apt, No. or PO Box No. Rifin in+ 13 14 **** • • i 1 111P Ali.. , _., ...... _ ....... _,.....,. , tc, IP+ 4 III • I • • Ai MAIM PS Form 3800, August 2006 See Reverse for Instructions. f,..Form 099::Augus4006 See Reverse for Instructions 15 ..; : 1 • ... , : , . U.S. POSTAGE >> PITNEY BOWE Total Numbe of Pieces Listed by Sender Total Number of Pieces Received at Post Office Postmaster (Name , Per (Na of ReceivMg Employee) . . 4 c _ _42.7:---____,L9 • i•.r"E--ir — - 1,,, • r-,-__ -7 4---, ZIP 189" $ 002.82 02 1r1 S 0001371585 MAR 04 2014 ' I . SHERIFF'S OFFICE OF CUMBERLAND COUNTY RonnyR Anderson F -D-TOHF�F�/C/ ^�She�f -��- " Dm�nw6r Jody BSm�h Ch�fD�m� yQ'� 8kG 28 PH �/ / 9 � ' � R�ha�VV�ewm� ' Solicitor CUMBERLAND COUNTY � -`-~~� `K�~~~~- �N��� - ' - '' ' ' r�.. , . �VA@(A Wells Fargo Bank National Association vs. Case Number GhmnEFhUng (et ai) | 2013'6338 SHERIFF'S RETURN OF SERVICE 03/24/2014 01:55 PM - Deputy Dennis Fry, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 19 Otto Ave, South Middleton-Township, Carlisle, PA 17013, Cumberland County. 03/25/2014 04:56 PM -Deputy Dawn Kell, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Glenn E Fitting at 19 Otto Avenue, South Middleton, Codiu|e. PA 17013, Cumberland County. 03/26/2014 07:38 PM-Deputy Dawn Kell, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Molly K Fitting at 472 Burnt House Road, Dickinson Township, Carlisle, PA 17015, Cumberland County. 06/83/2014 As directed by Steven Eisenberg, Attorney for the Plaintiff, Sheriffs Sale Continued to 9/3/2014 08/27/2814 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $1.077.63 SO ANSWERS, August 27, 2014 RONNY R ANDERSON, SHERIFF �u� �/ � _ - �� Ai* �� ���-���� ' ~^ ' �. , On March 3, 2014 the Sheriff levied upon the defendant's interest in the real property situated in South Middleton Township, Cumberland County, PA, Known and numbered as 19 Otto Avenue, Carlisle, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. Date: March 3, 2014 By: Real Estate Coordinator 'b V 9- Mir 4/01 (J'1 j_d13HS: 71:IV LXIII 16 CUMBERLAND LAW JOURNAL 04/18/14 Writ No. 2013-6336 Civil Term BEING KNOWN AS 19 Otto Av- enue, Carlisle, PA 17013. Wells Fargo Bank N.A. BEING the same premises which vs. Glenn E. Fitting and Lisa A. Fitting, husband and wife, by Deed dated Glenn E. Fitting September 07,1993 and recorded Molly K. Fitting September 15, 1993 in the Office AttySteven Eisenberof the Recorder of Deeds in and for g.: Cumberland County in Deed Book ALL THAT CERTAIN piece or par- 36-N Page 460,granted and conveyed cel of ground situated in the Town- unto Glenn E. Fitting. ship of South Middleton, County of PARCEL NO. 40-22-0487-017. Cumberland,and Commonwealth of Pennsylvania bounded and described as follows: BEGINNING at a stake on the northeast corner of Otto Avenue and Bolton Avenue; thence along Otto Avenue,North 13 degrees 45 minutes East 75 feet to a stake at land now or formerly of R.E Weidner; thence along the same, South 76 degrees 5 minutes East 125.95 feet to a stake on the west side of a 20 feet wide right of way;thence along the same,South 13 degrees 45 mjnutes West 75 feet on the northern line of Bolton Ave- nue;thence along the same North 76 degrees 5 minutes West 125.95 feet to a stake and place of BEGINNING. BEING part of Lots Nos. 16 and 17 on the Plan of Lots known as Carlisle Manor, and being improved with a one brick dwelling known and numbered 19 Otto Avenue. UNDER AND SUBJECT to restric- tions of record (20-1-778) together with a right of way 20 feet wide ex- tending northw ardl y from the north- ern line of Bolton Avenue a distance of 75 feet,said right of way to be used for the purposes of ingress, egress and regress by the within grantee, their heirs and assigns in common with Robert E. Weidner and Mildred M.Weidner,his wife,their heirs and assigns, said right of way extending over the eastern 20 feet of Lot No. 16 Block "B" and the eastern 20 feet to the southern one half of Lot No. 17, Block"B" as shown on said plan of lots. 56 ... i . PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: April 18, April 25 and May 2, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. ,..--&,__ .: isa Marie Coyne, E itor SWORN TO AND SUBSCRIBED before me this da of May, 2014 / , // / ,, — _—-..ii-allalhae.0 — *". .c.d6-4 - Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO.,CUMBERLAND CNTY My Commission Expires Apr 28,2018 ' The Patriot-News Co. • ` 620 TechnologyPkwy Suite 300 hep � �r ^�����w� ' Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE . CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication . Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne ;Ni||er, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania,with its principal office and place of business at 2020 Technology Pkwy, Suite 300. in the TovvnehipofHamnpdon. C�ounb/of<�umnbodond. 8bstaofPennoy|vanim. ownmrandpub|iaha,ofThePot,iNews and The Sunday Patriot-News newspapers of general oircu/oUon, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Potriot'Naxvovveneestablished March 4th, 1854, and September 18th, 1949. respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday!Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as :o the time, place and character of publication are true; and That she has personal knowledge ofthe facts aforesaid and isduly authorized and empowered tovarifvthis obabennanton )oho|fpfThe Patriot-News (�o. aforesaid byvidueand pursuant toonaooluUonunmninmouo/ypassed and adopted severally bythe ;tockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds 2013-6336Civ0[Termm .uphin in Miscellaneous Book''K8^. Volume 14, Page 317. Wells Fargo Bank N.A. • Vs Glenn E Fitting This ad ran on the date(s)shown below: Molly K Fitting �� berg 04/13/14 04/20/14 CERTAIN PIECE , LL OF GROUND �� , � 27/14 n^�m� THE TOWNSHIP [ .°�� `~^�- -B«SOUTH MIDDLETON, w� LINTY OF CUMBERLAND, . ' ' iNSYLVANIA BOUNDED )DESCRBED AS FOLLOWS: 8xxor, t. 'n" subscribed before me this 12 dayofMay, 2O14�iO. ;INNING AT A STAKE ON . 8 o H CORNER NORTHEAST OF ^> 0AVENUE /D8 8No uoL/oN � | �& NUE; THENCE ALONG � ^ .~'�_~ CO AVENUE, NORTH 13 Pu�|kc :TREES | m�c� °^ MINUTES EAST , TET TO A STAKE AT LAND N OR FORMERLY OF R.E ^� ~� COMMON WEALTH OF PENNSYLVANIA V)�8Q; THENCE ALONG Notarial Seal ~'- E� Holly Lynn SOUTH 76 � Warfel,Notary pub| `no/=°EAST^^~~~FEET TO mycu�~—''^ umn� DQ�0wTHE V0STSIDE 0p m�*o��PENNSYLVANIAmu�ms�+�D�1�2nza ipEBTVYlDS&IG8TOF»&«Y; »ynommwupwnmme NCE ALONG THE SAME, JTH 13 DEGREES 45 \ �.=-`",`r,�`rnz^.x�Tv,.'