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HomeMy WebLinkAbout14-0579 Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County S - � q The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiffs Name: PennyMac Loan Services, LLC Lead Defendant's Name: Michael Marol; Gail Marol C T Dollar Amount Requested: ❑ within arbitration limits I Are money damages requested ?: ❑ Yes ® No (Check one) ® outside arbitration limits O N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff /Appellant's Attorney: Christopher A. DeNardo, Esquire ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. if you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability (does not ❑ Employment Dispute: include mass tort) Discrimination E ❑ Slander /Libel /Defamation ❑ Employment Dispute: Other C ❑ Other: ❑ Zoning Board T ❑ Other: I ❑ Other: O MASS TORT N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort - DES [I Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS B E] Toxic Waste El Ejectment E] Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 1/1/2011 iii f) t t 1`tt SHAPIRO & DeNARDO LLC r �' BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 � 0 T"�t�'t CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403; �I� 9 Anil BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 lug CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 ERLA €do c0uHTY 3600 HORIZON DRIVE, SUITE 150 P EMNS YLVANIA KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 044499 PennyMac Loan Services, LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNT VS. NO• . ��I - <0 q tur Michael Marol 989 Big Spring Road Shippensburg, PA 17257 Gail Marol 989 Big Spring Road Shippensburg, PA 17257 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS 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. a Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717 -249 -3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717- 249 -3166 a r SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 044499 PennyMac Loan Services, LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Michael Marol 989 Big Spring Road Shippensburg, PA 17257 Gail Marol 989 Big Spring Road Shippensburg, PA 17257 DEFENDANTS ; COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, PennyMac Loan Services, LLC, the address of which is, 6101 Condor Drive, Moorpark, California 93 02 1, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage Mortgagee Mortgage Electronic Registration Systems, Inc., as nominee for SIB Mortgage Corp., its successors and assigns Mortgagor(s) Michael Marol and Gail Marol (b) Date of Mortgage February 24, 2003 (c) Place and Date of Record of Mortgage Recorder of Deeds Cumberland County Mortgage Book 1799, Page 2289 Date: March 7, 2003 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assists Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for SIB Mortgage Corp. Assignee: Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP f /k/a Countrywide Home Loans Servicing, LP Date of Assignment: May 9, 2012 Recording Date: May 10, 2012 Instrument No.: 201213990 Assignor: Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP f /k/a Countrywide Home Loans Servicing, LP Assignee: PennyMac Loan Services, LLC Date of Assignment: December 30, 2013 Recording Date: January 9, 2014 Instrument No.: 201400663 The Assignment(s) is /are a matter a matter of public record and are therefore incorporated herein as provided by Pa. R.C.P. No. 1019(g). 2. Plaintiff is either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property that is subject to the Mortgage is generally known as 989 Big Spring Road, Shippensburg, PA 17257 and is more specifically described as attached as part of Exhibit "A ". 4. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Promissory Note "). A true and correct copy of the Note is attached and marked as Exhibit "B ". 5. The names and mailing addresses of the Defendants are: Michael Marol, 989 Big Spring Road, Shippensburg, PA 17257 (real owner and mortgagor) and Gail Marol, 989 Big Spring Road, Shippensburg, PA 17257 (mortgagor). 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 2013 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of February 1, 2014: Principal Balance Due $74,256.35 Interest Currently Due and Owing at 6% $2,598.96 From July 1, 2013 through February 1, 2014 Late Charges $60.24 Escrow Advances $165.68 TOTAL $77,081.23 9. Interest continues to accrue for each month that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorney's fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403 commonly known as Act 6 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit "C ". 12. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707- 1715z -18). Accordingly, the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: _ U-?,)l BY: F A horn ys for I i iff C z M. DONNEL Y, ESQUIRE S & D File No. 13- 044499 k l t , ' OF DEEDS ! 2CiiLOD OOUN7Y ,— '' �3 191iC1 7 i Parcel Number: AP A- [appce A1pve 77>ir rdrre Y'or Recwdb� n.mJ ANA Cue No. Gommonwealt4 ofP+�nsylvadla MORTGAGE MIDI THIS MORTGA08 ( "Security Inaavroeat ") ie on Februar 24, 2003 Uo Mortgagor is MICHAEL. MAROL and GAIL MAR%, HUSBAND AND WIFE ( "79o=wa"). This Socudty lnstramtm is given to Mortgage Rleauroalo ftcgiemdon System, W. (WERS "), (solely m nominee for Laufer, as horchu ter definod, and 14Aft's suoceaeors and amigua), as mortgages, MGRS is organized and existing under the laws of Llolaware, and has in nddmss and telephone number of P.O. Box 2026, Pilut, MI 48601.2026, tel, (888) 679 -MFRS. SIB MORTGAGE CORP., A NEW JERSEY CORPORATION ( "Lender ") is organized and existin wWa the laws of THE STATE OF NEW JERSEY ,and bas art address of 1260 ROUTE 28, BRANCHBURG, NJ 08876 . Borrower owes Lender the principal sum of Eighty Nine Thousand Five Hundred Sixteen and no/100 lollara (U.S, S 89,516. 00 ). MA Wna *ub Mwtpe w1W eoaea • use 4NtPAi m0a1 PIN 1 of IO MW 06 IM i�l�Y� 1 ■ 1 I VM►MORTO+IOE FO" •1r0016a1.7701 ` OU 799K228-9 9 1 4 I i I ' 71th debt is evidenced by Borrower's note dated the saw date as this Security instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and psyablo on March 1, 2033 This Security Instrument socures to Lender: (a) the repayment of the debt evidenced by the Note, with bared, and all renewals, extemlons and modifloatlom of the Note; (b) the paymoat of di. other sums, with interest, advanced coder paragraph 7 to protect j the security f this 9mrity Lutrumont; and (c the ty ) perfotrtranrx of Borrower's covenants and agreements under this Security ltrataunpat and the Note, For this purpose, Borrower does hereby mortgage, grant and convey to MGRS (solely as nomlaee for Lender and lender's successors sad aesigas) and to the successors and assigns of MGRS, the following described property located in CUMBERLAND County, Ptattaylvania: SEE ATTACHED LEGAL DESCRIPTION which has the address of 989 8IG SPRING ROAD ;strati SHIPPENSBURG lcirrl, Ponasyivania17267 (ZipC4DdCl ("Propoziy Address "); TOCIETHBR WITH all the improvements now of hmaller erected on the property, and all easontows, appurteasnom and fixtures now or hereafter a pan of the property, All replacements, and addlilum shall also be coveted by this Security IusirumeAt. All of the fowsolag is referred to In tali Security lastrumcal av the "Property," Borrower understands and agrees that MFRS bolds only legal title to the interests granted by Borrower in this Security Instrummt; but, if necessary to comply with law or custom, MGRS, (as nominee for Lender and Leader's successors and assigns), has the right; to exercise any or all of those Interests, Including, but not litnitel to, the right to foreclose and sell the property; and to take any action required of Loader including, but not litnitcd to, releasing or eanoeling this Security Ittattwtttttt. BORROWER COVENANTS that Borrower Is lawfully seized of the cattle hereby conveyed sad has the right to mongago, grant and convey the Property and that the Property is wusoumberod, except for encumbrances of record. Borrower warrants and will defend geucttdly the title to the Property agalust all alaima and demands, sulr)eoi to any cumobrances of record. THIS SECURITY INSTRUMENT combines uolform covenants for national use and noo•uniform covenants with limited variations by Jurl4ctlon to constitute a uniform security iustrunwa covering real property r�r 4NIPA1 towel ra. t a ro BU 759K2290 P , I i Borrower and tend" covenant artd agree ea follows; UNIFORM COVENANTS: X. Payment of Printdpal, Intezvol and Late Charge, Borrower shall pay when due the principal of, and hamt on, the debt evidenced by the Note and taco charges due under the Note. 2. Monthly Payusent of Talcs, Inswance snarl Other Charges. Borrower aball include In each monthly payment, togethet with the principal and interest is act Parch in the Note and any late charges, a sutra for (a) taxee and spodal assessments levied or to be levied agalast the Property, (b) leasehold paymmw or gmuad rents on the Property, and (e) premium for Insurance required under paragraph 4, In 89Y year In whiob the bander must pay a mortgage insurance prranitrm to the Secretary of Housing and Urban Dovalopmoat ("Secretary "), or in any year In which such premium would have been required if Lender still held the Security Instrument, awh monthly paymnew slutll alas Include oltim, (i) a sum for the annual mortgage insurance premium to be paid by Tartlet to the Secretary, or (4) a monthly charge tw*d of a mortgage insurance premium if this Soourity ]rretzwnent is held by the Seomtary, In a reasonable mount to be detwulned by the Secretary, Bxcopt for the rwnWy charge by tho Secretary, thew Items are t:alhd "Escrow Items" and the eums paid to Lender are called ">Iscrow Funds." Lender may, at any time, collect and hold amounts for Escrow items in an aggregate amount hot to exceed the maxl=m amount that may be. roqulrod for Borrower's escrow account under the Real Estate Settlatnent Procedures Act of 1974, 12 U.S.C. Section 2601 el seq, and lmplamenting regulations, 24 CPR Port 3900, as they may be amended from tluto to time ( "RESPA "), wxept that the cushion or reserve permlued by RESPA for onantiolpated disbasom its or disbursattonts before the Borrower's payments ace available In the account may not be based on amounts due for the 000gago huuranee premium. If the amounts tmld by Lender for Escrow Items exceod the amounts permitted to be hold by RESPA, Lender aball account to Borrower for the excess funds as required by RMPA. If the amountg of funds held by Leader at any time are not. oufticlent to pay the i:scrow Items when due, Leader may notify the Borrower and require Borrower to make up the shortage as ermitted by RESPA, Fite 96=w Funds are pledged as additional secudty for all mm secured by this Smodty Insmuoeut. If Borrower tenders to Lender the full payment of ail such jute, Borrower's account shall be credited with the balance remaining fbr all Installment items (a), (b), and (c) snd say mortgage Insurance premium installment that Lender has not become obligatod to pay to the Secretary, and Lender sl I pruruptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the property or its aoquia ;tion by Leader, ilorrowur's seco»nt shall be orcdited with any balance trfrudulog for all installments for Items (a), (b), and (c). 3. Application or Payrgptts, Alt payments under paragraphs I and 2 shall be applied by Lender as follows: Ehg, to the mortgage insurance ptetniutn to be paid by Lender to the Secretary or to the monthly chargo by the Seoreta y Instead of the monthly mortgage Insurance premium; S to any texas, special aesessmeuts, leasehold payments or ground Hats, and fire, flood and other hazard insorutoe premiums, as toqulred; , to interest duo under the Note; PMWh to amortization of the prktolpmd of the Note; and , to late charges due under the Note, Er9re,. Flood and Other Hazard Inmence, Borrower almall Imure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, castraltics, and contingenotes, Including fire, for which Lender requires insurance. This Insurance shall maintai 4 (MaV(PA) Woo? ap" a om mo OKI799PG229I f 1 i t the amounts and for the periods that Leader requires. Borrower shall also insure au improvements on the Property, whatber ltew in existence or subsequently erected, s&aioet loss by floods to the extent required I. by the Seohetaty, All insurance shall be carried with oomtparhies approved by Lender. 1 he Insurance t policies and any renewals shall be hold by Lender and ;hall include loss payable olaus% in favor of, and In a form acceptable to, Gender. fn the event of loss, Borrower "I gave Gender immediate notice by mall. Lender may make proof of loss if not made promptly by Borrower. Bach Insurance company concerned Is hereby authorized end directed to take payment for such loss directly to Leader, instead of to Borrower and to Lender Jointly. All or any part of the insurance proceeds may be applied by Leader, at Its option, either (a) to the induction of the Indebtedness under the Note and this Secrrlty Instrument, first to any delinquent amounts applied In the order In paragraph 3, and then to prepayment of prinelpal, or (b) to the restoration or repair I;. of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the i due date of the monthly payments which are referred to In paragraph 2, or change tare amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Now and this Security Instrument shall be paid to the entity legally entitled thereto. In rho event of foreclosure of this Security Instrument or other trans fer of title to the Property that i exdngulahes the Indebtedness, all right, We and tatereat of Borrower in and to Insurance policies !n force shall pass to the purchaser, Prem Appu . Ot e upacy, ol r dou, shall t e ar c e PM a cd use the a Pm"yt Borrower's Loan or te#idenoe within sixty. days after the execution of this Security lustrumeat (or within sixt day# of later We or transfer of the }property) and shall continue to occupy to pmpwty as Borrower's principal resldeaee for at toast one year after the date of occupancy, unless Lender determines that rcquIrm=t will cause undue hardship for Borrower, or unless extenuating eimmatsucea exist which are beyond Borrower's control, Borrower shall notify Gender of any extenuating circuautances, Borrower dbati not coarmit waste or destroy, damage or subatwWly change the Property or allow the Property to deteriorate, reasonable weal and tear excepted. Leader toy inspect the Property if the Property is vae+at or abandoned or the loan is lu dofrmlt. Lender cony take tetwoaable 40904 to proud sad preserve such Yount or abandoned Property. Borrower shall also be In default if Borrower, during the loan applicatica process, Save malorlaliy false or Inaccurate information or statements to Lender (or failed to provide Lender with any material Information) in cennection with the loan evidenced by the Note, including, but not limited to, reprasentadons Concerning Borrower's occupancy of the Property as a principal mddenoo. if this Security Instrument is on s leasehold, Borrower shall comply with the provisions of the low. If Borrower acquires fee title to the Property, the leasehold and fbo title shall not be merged unicas Lender agraes to the 'merger In writing. 6, GondemnWon, 'the proceeds of any award or claim for damages, direct or consequential, In connection with say condemnation or other taking of any part of the Property, or for Conveyance in platco of condemnation, are hereby as#igaed tend shall be paid to Leader to the extant of the full amount of the Indebtedness that re wdus Wald under the Note and this Security Instrument. Lender shall apply snob proceeds to the reduction of the indebtedness under the Note seed this Security Instrument, first to any delinquent srtohuals applied in the order provided lm paragmpb 3, and then to prepayment of principal, Any Application of the proceeds to the principal shatl not extend or poapm the duo date of the monthly payments, which are reformed to in p h .2, or change the amount of such payments. Any excess proceeds over an mount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be pelt to the entity legally entitled thereto. (ft-MIM ime) P"4.110 OKI7.99PG2292 6 B 1 ' 1 I' I I, 7, Charges to Borrower and Protection of Under's ]Rights to the property. Borrower.ehall pay all governmental or municipal charges, fines ad imposidona that are cot included In paragraph 2. Borrower shall pay Ono obligations on time directly to the entity which is owed the payment. If failure to pay would adversely td' act Lender's interest In the Property, upon Lender's request Borrower WWI promptly furnish ` to Lender receipts evidencing these payment I If Ilotrowea fails to make these paywects or the p+4vments required by paragraph 2, or tolls to perform, any other covenants and agreements writainod In this Security Instrumew. or there to a legal prang that may slgnlfsaantly affect Lander'] rights in the property (rush as a proceeding is bankruptcy, for condemnation or to enforce laws or reguladons), theca leader may do and pay whatever Is r necessary to protect the value of the Property and i ender's is in the Property, party, lacluding paytrunl of Woe, ba=d Insurer= and other Hanna motioned In paragraph 2. Any amounts disbursed by Lcider under this paragraph shell become an additional debt of Borrower and be secured by this Security lustnrmem. 4heae amounts shall bear interest from tho date of disbursement, at the Note rate, and at the option of Lender, shall be Immediately do and payable, Borrower shall promptly discharge any lien which has priority over this Security Instrument We" Borrower: (s) agrees 10 writing to the payment of the obligation scoured by the lien In a manner acceptable to Lender; (b) comeats In good faith the Ilen by, or defends against enforcement of the Den in, legal proceedings which In the Lender's opinion oporato to prevent the onforcemmi of the Den; or (e) mum from to holder of the Jim an agreetnout satisfactory to Lender subordinating the lien to this Security Icstrument. IPLeader deterrulucs that any part of the property is subject to s Den which may attain priority over this Security h tummt, Lender may give Borrower a notice identifying the ]ten, Borrower shall satisfy the Ilea of take one or more of Cho actions set forth above within 10 days of the giving of notice. S. Fete. Lender may collect foe and Oases authorized by the Secretary, 9. Grounds for AcWeratlon of ]Debt. (a)1Default. Lender tray, except as limited by regulations issued by the Secretary, in the case of payment defaults, require ItmnedWe payment in full of all earns secured by this Security Instrument If: (I) Borrowor dofead s by falling to pay to full any monthly payment required by this Security Instrutnou prior to or on the due date of die next monthly payamut, or (it) Borrower defaults by falling, for a period of thirty days, to perform any other obligations contained in this security Inatruroml, (b) gale Without Credit Approval, Lender shall, If portdtled by applicablo low {Including Section 341(4) of the Can -St. Germain Depository Institutions Act of 1982, 12 U.S.C. t701j -3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums scoured by this Security Instrumew If, (I) All or pant of the property, or a bmellctal intorest in a trust owning all or part of the Property, Is sold or otherwise Unnsfetrad (other than by devise or descent), and (11) The Property Is not occupied by the purchaser or grantee at his or her prinelpal residence, or the purchaser or grantee does so occupy tho property but his or bar credit has not been approvod to accordance with the requirements of the Seorotary. (c) No Waiver. If circumstances occur that would permit Lemlerto require immediate payment In t4D, but Lender does not require such payments. Lender does not waive Its rights with to aubsequonteryents. Ifdl 4'R4NIPAl Mae) F.pe 6 d 10 F1.1799n2 293 t I P (d) Roquladona of HUD SearOM. In many eircumslttnees regulations Issued by the Searstary will limit Lender's rights, in the ones of payment dofaulls, to require knmodiste payment In 14 and foreclose if not paid. nit Security ]nstruatertt does not awhotiae acceleration or foreclosure if not permitted by regulmlous of the Secretary. (e) Mortgage Not Ittstavd. Borrower agrees that It this Semufty Instrument and the Note are not dewrmiwA to be eligible for Insurance under the NetiorW Housing Act within 60 days from the date beroof, Lender tray, at its option, requtee Immediate payn=1 in trill of all sums oocured by this Security Ina n mat, A written statement of any authorized agent of the Secretary dated subsequent to 60 days iiom the date hoteof, declining to insure this Security Lnauument and the Note; shall be doetmd comIusive proof of such Ineligibility. NotwithrWillog the foregoing, this option may not be exercised by LeMcr when the uaavaltability of hwuranec Is solely due to Lender's failure to remit a mortgage insurance premium to the Swretary. 14, Raidatatemmt, Borrower has a right to be reinstated if Lender bas required kmxdiate payment in 110 because of Borrower's failure to pay an amount duo under the Now or this Security bunracut, T1ris right applies even after foroclosuro proccodings are instituted. Tb reinsitu the Security Imminlent, Borrower atoll tender In a lump sum tall amounts required to bring Borrower's account current fauluding, to the extent they are obligations of Borrower under this Security Instrumt, foreclosure coats and zeasotrable and customary attorneys' fees 1rrA oxpentees property associated with the foreclosure proaoetltng. Upon teinstswrowt by Borrower, this Seoarily Instrument and the obligations that it secures shall remain in offect w if Lender had not required bumediato psymMt in full. However, Leader Is not regnirod to perralt reinstateraont If: (1) Lander has accepted reinstatement after the oommenotnsettt of forociosurc pmcoodings within two years lmtrtedtawly preecdiog the oofdm anacrunt of a coerce foreclosure proceeding, (U) reinetetrr<=t will preclude formlosure on different grounds in the future, or (ill) reinmemont will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not )Eteloased; Forbtwranto By Lender Not a Waiver, Rmcnalou of the time of payment or modification of amortization of tits sums scoured by this Security Insttumem grmted by Leader to any snccossor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's nwessor in Interest. Lender shall not be required to eommew proceedings agtdnat any snboeasor in Interest or tdm to extend bale for payment or otherwise modify sortizatlon of the aurae socurod by this Scourity Inan=t by reason of any demand made by the original Borrower or Borrower's successors In interest. Any forbeatanoe by Lender be exerolsing any right or remody aball not be a waiver of or preeludo the oxorcise of any right or remody, 12. btrecessors and As4u Botmd; Joint and Severat liability; CoOpers. TLe covenants and agreements of this Security Instrument sball bind and benefit the suoceetors and assigns of Lender and Borrower, subject to the provisions of pangrspb 9(). Borrower's eovenmtts and agreements shall be joint and several, Any Borrower who eo•sigoa this Soctuity Instruatedt but does not execute the Nato: (a) Is co•gigaing this Socurfty Ittatrardent only to mortgage, grant sad convey thtu Bomwer s intarest in the Property under the terms of this Security Instrument; (b) to not personally obligated to pay the sums secured by this Security Lnshttmenr and (c) agrees that Lender turd any other Borrower may agree to extend, modify, forbear or make say accommodations with regtttd to the tonne of this Security Lrattuntent or the Note without that Borrower's consent, IN" 'Q,t •4NiPAt 104001 0„re of 10 6K 1799PG2.294 t ' , l . 1 f i 13. Notice$, Any notice to Borrower provided for in this Security Instrument shall be given by delivering It or by mailiug it by first class mail unless applicable law requires use of another method, The 001100 $hall be, dirocted to the Property Address or arty other address Borrower "Pates by notice to Loader. Any notice to Lender shall be given by first class Mail to Leader's address staled herein or any address Leader designates by notice to Borrower. Any notice provided for in this Security Inantnent shall i be doomed to have boost glvea to barrowet or Lander when given as provided in this paragraph, G 14. Governing Low; SeveraWilty, This Security Instrument ahall be govemed by Federal law and the law of the Juriadietlou In which the Property is located. In the event ttut any provision or clause of this I; Sac» city laetrnmaut or the Not* conflicts with applloable law, such conflict riltall ant affoot other provisions Of this Security In$trulcm o r the Note w11144 con Ire given e ffect without the eoaflio* provision. To this !: end the provisions of this Security Instrument and the Note are declared to be severable. I5. Borrower'$ Copy, Borrower shall be giver one conformed copy of the Note and of this Security bwrUment. 16, Hismardous Substances, Borrower shall not eauso or permit tho presence, arse, disposal, storage, �. of reloase of any Hazardous Substance on or in tha Property, Borrower shall not do, nor allow anyone i else to do, anything affecting the Property that to In viofatioa of any Bovironntantsl Law, The preceding two sontenoos shall not apply to the pre$$aca, use, or storage on the Property of $matt quanitics of Haardous Substances that are generally recogalzed to be approptiato to normal residential uses and to ttudatearnce of the Property, Borrower shall promptly give Lander written notice of any investigsdon, claim, demwd, lawsuit or other action by arty governntontal or regulatory agency or private party involving the Property and any Hazardous Substance or Havironsocaml Law of which Borrower has actual knowledge. If Borrower leans, or Is notiflod by any governmental or regulatory authority, that any removal or other temodlaion of any Hrtrardous Substaoces affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions lu 40orda0cc with BOVlronnrc0tal Law. As used In this paragraph 16, "Hazardous Substances" are those substances deflaed as toxic or bazardous substanes by Bavlrotumental I,nw and the following $nbstancs; gasofla*, brome, other flammable or toxic petroleum products, toxic pesticides and herbloidts, volatile solvents, sawriuls containing asbestos or formaldehyde, and radioactive materials, As used In this paragraph 16, "Bnvirortmental Law" mew federal laws and laws of the Jurisdi wlrt.'no the Property is located that relate to heath, safety or environmental protection, NONUNIFORM COVENANTS, )1ormwor and Lender further covenant and agree as follows: 17. Assignment of ]Rents. Borrower unconditionally assigns and transfers to Leader all the rat$ and revenues of the Property. borrower authorizes Lender or Lender's agents to collect the roots and revenues and horeby directs each tenant of the Property to pay Ito roots to Lender or teuder's agents. However, prior to Leader's notice to Borrower of Borrower's breach of any covenant or agtoemont in the Security Instrument, Bonowor $hall collect and receive all rents and revenues of the Property as .trustec for the benefit of Lender and Borrower, This assignment of rents conatltutes an absolute aseigmtumt and not an assignment for additional security Orly, If Leader gives notice of breach to Borrower: (a) all roots received by Borrower shall be held by Borrower as trustee for bosidt of Leader only, to be tgrpliod to the soma .scouted by the Security lostrunuut, (b) Leader shall be entitled le collect and recelve all of the recta of the rty, and (o) "+ua 4k•aratvAl wroal P.0 rot ro OKI 799PGZ295 F I ' I l I e b E tenant or the Property shall pay all roots duo and uapadd to Lender or Lender'& agent on Lender's written dtraatd to the tenant. Borrower has not executed any prior asdgatnant of the tents and has not and will not parforn any act Wet would prevent Lender from exerobing Its rights under title paragraph 17. Lender shall not be tK*w to enter upon, take control of or maintain the Properly before or sAor giving native of breach to Borrower, However, Louder or a Judlohdly appointed reociver may do go at any time than IS a bunch. Any application of soma shall not cure or walve soy defWt or lnvalldsto any other right or comedy of Lander. This asslgemont of rents of the Property shall terminate when the debt secured by the Security tasttumaat Is paid in tbll. 18. Foreclosure Procedure. U header requirea imniedlato payment In full trader paragraph 9, Lauder may foreclose this Secuutty rotrument by judicial proceeding, leader alrall be entitled to coiled all agwmes htenrred in pttrstrlay the remedics provided in this paragraph 18, hrcludbsg, but not WWkd to, attorneys' fees and coats or title evidence. It the Leader's Interest in this Security Instrument Is held by the Secretary and the Swretary roqudrat fanedlate payment In full unties !'mvaph 9, the ISeccetstry tray invoke the norJudiciat {rower of bale provided In the Single Family Mortgage Foreclosure Act of 19M ("Act') (12 U.S.C, 3751 ei seq.) by requesting a toredorure tommtseiorxr dwlgaate4 under the Act to commence foreclosure and to sell the Property as provided In the Act. Notbiug In the preceding sentence shall deprive the Secrdory of any rlgbts otherwise available to a Ltudw under thin Paragraph 18 or applicable law, 19, Release. Upon payatent of all aunts scourod by this Security lustntnreot, this Security Instrument and the estate conveyed shall terminate and becomo void, Aitsr arch oawrrence, Leader shall discharge and satisfy this Security lasttuoaeent without charge to Borrower. Porrower abalt pay any mordaglon casts. 20. Welverv, Borrower, to the extent perwittcd by applicable law, waives and releases any onor or defects In proceedings to enforce this Security Instrument, and hemby waives the benefit of any prevent or toture laws providing for stay of execution, extcmion of tissue, exemption from stwohmont, levy and stile, and homestead exemption. 21, Reinstatement Rarlod. Borrower's time to reinstate provided In paragraph 10 ttball extend to one hour prior to trio commetwernent of bidding at a sheriff's We or other sale pursuant to this Stxauity Iruttnurlattt. 22, Purchase Money Mortgage, if any of the debt wonted by ails Security Instrumwnt is lent to Borrower to wgtdre title W the Property, this Security Instruaxot shall be a purchase ruoney snort age, 23. lntervat Rate Alter iudgumt. Borrower agrees that the interest ride payable after a udgmcat Is entered on the dote or in an action of mortgage forwIMOae shall sav the rate payable from time to time under the Note. 21. Bitters to this Secu Aty Ynstrument, If one or more riders are executed. by Borrower and recorded together with this Security losttuttteot, the covenants of each such rider shall be Incorporated into and shall amend and sapplairicut the covenants and.agraeroortts of this Smatlty Insttumont as It the dder(s) were a part of ails Security Inn=wnt. [Check applicable box(es)i. 19 Condominium Rider Growing Equity bider Other [specify] Planned Unit Uevoioprnant Rider orndualed Payment Rider IPA) rotors rA" o Of 10 O t 799PG2296 ' E A I 1 r L s 4 i I' y BY SIGNING BELOW, Borrower accepts and Wto to the torma confalmod In this Security lnsuwmt and in any ri&r(s) extoutod by Borrower and r000rdod with it, I' Witnesses. MI - anrrower ' (Scal) GAIL MAROL •sormwm •lwrrower Earmuror (Seal) (Sold) nwrowm •Borrower _ (Seal) (Seal) - No�rrar - BnrmaKr {� 4N {pA) ronoo� twit of ro 094 799PG2297 i i 'i Cedit to of Residence .M do herby certify that the correct address of the wlthlnmamed Mottgagos is P.O, Box 2026, Hint, Ml 48501 -2026, witness my band 61s 24th day or February 2003 0 Agent of tv[oetai8ae cciIa MONO& TR O F PENNSYLVANIU, C� « .. County On this, 24th d of February 2003 , boNm mo, the undersigned officer, pemomaily appeared MICHAEL MAROL and GAIL MAROL imown to me (or satlafaetorily proven) to be the persoa(s) whose names) lslere subscribed to the withlu imstrar mt and aci mowit4ed that helsholtbey executed the same for the purpoaae herein containod, IN WfPNESS WHF.)iBOA, l bercunto se my hand and official seal, My Commission I3xPlres: R+JU3am T.I�o ^� +` iifteroirmr R(y Oo amudaas iko• 18, 2006 ;rr'. N f. �' � �'� '�NrMKW � mt�� 4"iPA1 lows! em ton w IK1799PG2298 F I EXIfiIBIT A All that certain piece or parcel of land situate in North Newtown Township, County of Cumberland and State of Pennsylvania, bounded and described pursuant to the Final Subdivision Plan of Antonio Vigilante prepared by Crary L. Stouffer, Registered Surveyor of Rettew Associates, Inc.; dated July 25, 1998 and recorded in the Office of the Recorder of Deeds in and for the Cumberland County In Plan Book 56 page 55, r Beginning at a point in the center line of Township Route 891 and at carvers common with lands new or formerly of Charles Fahnestock; thence along said center lime of said Route North 8 degrees 04. minutes: 28 seconds .East a ' distance of 221.00 feet to a point in the center line of said Route; thence along the center lime of said Route by a I curve to the right having a radius of 171.5,19 feet, a distance of 174.62 feet to a point in the canter line of said Route at corners common with lands, now or formerly of Gary Glunt; thence along said Glunt lands South 74 degrees 10 minutes 07 seconds East a distance of 275.04 feet to an iron s pin at comers common with Lot No. 2 of the above - mentioned Subdivision Plan; thence along said Lot No, 2 South 07 degrees 04 minutes 37 seconds West a distance of 246.93 feet to an existing axle; thence along lands now or formerly of Charles Fahnestock South 72 degrees 42 minutes 05 seconds West a distance of 272.34 feet through am Existing Iron Pipe in the center line of Township Route 891 being the place of beginning. Being all of Lot No. 1 of the aforesaid Subdivision Plan and containing a total of 1,79 acres. Being Tax Parcel #: 30 -28 -2040 -020. Being the same premises as conveyed by Bankers Trust Cbmpany of California by deed dated 06/13/2000 and recorded 06/26/2000 in Deed Book Volume 223 page 1105 in the Recorder's Office of Cumberland County, Pennsylvania. This deed is between husband and wife and is therefore tax exempt 30- 28- 2040 -020 EXCEPTING'I'HEREOUT AND THEREFROM (IF ANY) THE PREMISES AS MORE FULLY DESCRIBED IN THE FOLLOWING DEED; NONE PrrI23 -14253 [ Certify this to be recorded 11, Cumberland County PA File # PIT123 -14253 ommitmentaw.MM00#'Deeds This commitment 4 invalid unless the *447406WS&Ulej A and B are attached CRPRDI�RBS46b 5/17/2012 3:37:31 PM PAGE 52/115 888 - 294 -5658 Multistate NOTE AP4 February 24, 2003 [Date] 989 BIG SPRING ROAD , SHI PPENSBURG, PA 17257 � d G f I J A L [Property Address) 1. PARTIES "Borrower" means each person signing at the end of this ]Vote, and the person's successors and assigns. "Lender" means SIB MORTGAGE CORP.. A NEW JERSEY CORPORATION and its successors and assigns. Z. BORROWER'S PROMISE TO PAY; INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of Eighty Nine Thousand Five Hundred Sixteen and no1100 Dollars (U.S. $ 89 ,516. 00 ), plus interest, to the order of Lender. Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of Si X percent ( 6.0000 %) per year until the full amount of principal has been paid. 3. PRONUSE TO PAY SECURED Borrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument that is dated the same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. d. MANNER OF PAYNIENT (A) Time Borrower shall make a payment of principal and interest to Lender on the first day of eacli month beginning on Apri 1 , 2003 . Any principal and interest remaining on the first day of March 2033 , will be due on that date, which is called the "Maturity Date." (B) Place Payment shall be made at 1250 ROUTE 28, BRANCHBURQ NJ 08876 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of EJ.S. $ 536. 70 This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for payment adjustments If an alonge providing for payment adjustments is executed by Borrower together with this Note, the covenants of the alonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. [Clieck applicable box] =Graduated Payment Allonge =Growing Equity Allonge =Other [specify] S. BORRO'VVER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. FIIA i4Iutttsiste Fixed Rate Note - 10195 -i R toz t of ( t {[ ! l O VMP MO RTG AGE FORMS- (8001521.7291 Page 1 of 2 MW tom Initial CRPRDI4RBS46b 5/17/2012 3:37:31 PM PAGE 54/115 888 - 294 -5658 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note, by the end of fifteen calendar days after the Payment is due, ]ender may collect a late charge in the amount of Four percent ( 4. 0000 %) of the overdue amount of each payment. {B) DeFsult If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Fender has required inunediate payment in full, as described above, Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due. "Notice of dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid. S. GIVING OF NO'T'ICES Unless applicable law requires a different method, any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER TMS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made In this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING LOW Bo accepts and agrees to the terms and covenants contained in this Note. (Seal) E (Seal) IC E MA - Borrower GAIT.. MAROL - Borrower (Seal) (Seal) - Borrower - Borrower (Seal) (Seal) - Horrower - Borrower (Seal) (Seal) - Borrower -Bowe' Pepe 2 of T EA% ,TO THE ORDER OF 1h M 0ANS. INC, WWAOUT t1 R $ 51R M+ i -4 P. - ��ff RAl;l W r 6RPRDPIRBS46b 5/17/2012 3:37:31 PM PAGE 55/115 888 - 294 -5658 Pay to the Order of Puy to the Order of Countrywide Home Loans Servicing LP Without recourse_ without recourse C'ountrvwidc Home Loans Inc. Countrywide Hume Loans Servicing, LP R A Cp6 C ,,tv.sE gEC Name ��► Name { g�syTOP R PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 7196 9006 9296 5183 0335 WSO 20130130 -7 I��II I v II II �I��I�IIII� I I�III I�I '�IIII�'�I�I'��II�I MICHAEL MAROL 989 Big Spring Road Shippensburg, PA 17257 -9753 ` ` C3_1445 BLQPA2 14091 08/24/2011 January 30, 2013 Sent Certified Mail: 7196 9D06 9296 S183 0335 Return Receipt Requested Account No.�� MICHAEL MAROL 989 Big Spring Road Shippensburg, PA 17257 -9753 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear MICHAEL MAROL, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 989 Big Spring Road Shippensburg PA 17257, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 12/01/2012 - 01/31/2013. Monthly Charaes: 12/01/2012 01/31/2013 @ $759.14 $1,518.28 Late Charges: 12/01/2012 - 01/31/2013 @ $30.37 $60.74 Other Charges: Additional Uncollected Late Charges: $59.88 Uncollected Costs: $0.00 Partial Payment Balance: 29.94 TOTAL DUE: $1,608.96 Late charges and other charges have also accrued to this date in the amount of $120.62. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1,608.96. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $9,608.96, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A.at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. g� 7196 9006 9296 5183 0335 We may also sue you persona Ilyfor the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty 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 foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorneys fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 668 -4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU 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. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htto:// www .bankofamerica.com /defauItfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEL /SERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1 -817- 685 -6491. Z 7196 9006 9296 S183 0335 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no estA obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su prestamo para vivienda estA obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America N.A. utilizar6 companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicarA cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento estA disponible en el sitio de Internet: [ hfto:// www. bankofamerica.com /defaultfees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. M. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califique incluidas protecciones contra la ejecuci6n hipotecaria asi como tambien ayuda en la tasa de interes. Para obtener mas informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 7196 9006 9296 5183 0335 • y ' C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home qz­ Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and /or extending the term of the loan, You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and /or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage /lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home sGr �....... ram>;:< ::..::,.... .......::::::.<:: >: >: :::::<:;:: p. :::.:.._.....................:. Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer /lender /investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 5189 0335 • T Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al n6mero que aparece en la notificacion adjunta para obtener mas informacion Cuando [lame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cueles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa : :::: :.�.: �. :::: ::::::::.::::::::::: : .::.....:::...::::.::..:::: :::. p.. ..:.. : :::::: :::: ::: : :: : : : :. :: :: .. :::.:::: :::::::. :: ::: ::. Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program (HAMP) cantidades vencidas al final del prestamo, y/c extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene sufciente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no esta en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fcndos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecucibn hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costcs aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hater los pagos requeridos. incumplimiento Modificacion de Una modificaci6n del prestamo es un cambio en los terminos originales de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que esta vencido. 7196 9006 9296 5183 0335 f s Opciones a considerar si no puede o no desea quedarse en su casa ........................................................................................................................................................................................................ ............................... Home Affordable Disenado pars ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una vents en Program (HAFA) descubierto y,.si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternatives de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere Como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una vents en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PRESORT First -Class Mail PO Box 9048 U S Ten ecula, CA 92589 -9048 Fees Paid and Paid 7196 9006 9296 5183 0359 WSO 20130130 -7 Il' I' Il' Ir I '- -III 'llil'lll'- II-'►'il "II GAIL MAROL 989 Big Spring Road Shippensburg, PA 17257 -9753 C3_1445 BLQPA2 14091 08/2412011 5 4 January 30, 2013 Sent Certified Mail: 7196 9006 9296 5183 0959 Return Receipt Requested Account No. .48=W GAIL MAROL 989 Big Spring Road Shippensburg, PA 17257 -9753 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear GAIL MAROL, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 989 Big Spring Road Shippensburg, PA 17257, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 12/01/2012 - 01/31/2013. Monthly Charges: 12/01/2012 - 01/31/2013 @ $759.14 $1,518.28 Late Charges: 12/01/2012 - 01/31/2013 @ $30.37 $60.74 Other Charges: Additional Uncollected Late Charges: $59.88 Uncollected Costs: $0.00 Partial Payment Balance: 29.94 TOTAL DUE: $1,608.96 Late charges and other charges have also accrued to this date in the amount of $120.62. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1,608.96. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $1,608.96, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A.at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. if you cure the default within the thirty day period, you will not be required to pay attorney's fees. Mo 7196 9006 9296 5183 0359 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty 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 foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 669 -4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU 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. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09124/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htti):// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m, - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNELISERVICEMEMBERS : If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 -685 -6491. 71% 9006 9296 5183 0359 a k DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificacien de pr6stamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializadc en quiebras u otrc asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda estA obligado por ley a infcrmarle a usted que esta comunicacion proviene de un cobrador de deudas. Ha ocurridc un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizar6 companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal Services, Inc., para proporcionar servicios necesarics para proteger los intereses del Titular en la prcpiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento estb disponible en el sitio de Internet: [ hftp: l/ www. bankofamerica.com /defaultfees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p, m, hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lists completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicadcs a la cuenta de su pr6stamo. PERSONAL MILITARI MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecuci6n hipotecaria asi como tambi6n ayuda en la tasa de inter6s. Para obtener mss informaci6n y determinar su calificacibn por favor Ilame sin costs a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1 -817- 685 -6491. 7196 9006 9296 5183 0359 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and /or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments, • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and /or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and /or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage /lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer /lender /investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. C We are here to help you. Please call us today. 7196 9006 9296 5183 0359 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa ::... L1rcra. Sian.... Pr ©. Marna.. Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program (HAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares pars una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha dccumentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no esta en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademes de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un pericdo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificaci6n del prestamo es un cambio en los terminos originales de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condcnar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que esta vencido. 7196 9006 9296 5183 0359 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificacion Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transaccion en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberacion de nuestro derecho de retencion sobre su propiedad y evitar la ejecuci6n hipotecaria, Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transaccion en la que usted esto de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retencion de la vivienda. medio de HAFA) Escritura de Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retencion de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una vents en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. .xw4 VERIFICATION Maria Rodriguez Default Spe cialist 11 hereby states that he /she is of PennyMac Loan Services, LLC, servicing agent for Plaintiff, in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his /her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name: Maria Rodriguez DATE: Title: Default Specialist it Company: PennyMac Loan Services, LLC S & D FILE NO: 13- 044499 Michael Marol and Gail Marol FORM 1 IN THE COURT OF COMMON PLEAS OF PennyMac Loan Services, LLC CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Michael Marol 989 Big Spring Road Shippensburg, PA 17257 Gail Marol 989 Big Spring Roads Shippensburg, PA 17257 `�'�' Q0 : y j DEFENDANTS Defendant(s) Civil'y -� NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds Fax Server 1/29/2014 10:45:58 AM PAGE 1 /001 Fax Server forward. IF YOU WISJ I 1 "0 SAYE `YOUR HONIF, YOU MUST ACT OTJC! KLY A". TftI ETHl STEPS REQUIRED BY'. HI.S NOTICE. THIS PROGRAM I :IS.RREl : Respectfully s binitted_: SHAPIRO & DeNARDO,.I,I:C Date .Afferneys for Plaintiff v v 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: CUST 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? C Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? FIN ANCIAL •' • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the Loan in Bankruptcy? Yes ❑ No ❑ If yes, provide names, location of court, case number & attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles ): Model: 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: Monthl�Expenses:(Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2 nd Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel /repairs Other prop. Payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day /Child Care /Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 r 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: Servicing Company (Name): Contact: Phone: AUTHORIZATION I /We, , authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating in financial situation for possible mortgage options. I /We understand that I /We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) n � FORM 3 IN THE COURT OF COMMON .PLEAS OF PennyMac Loan Services, LLC CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vS. Michael Marol 989 Big Spring Road Shippensburg, PA 17257 Gail Marol 989 Big Spring Road Shippensburg, PA 17257 DEFENDANTS Defendant(s) Civil 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. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel /Appointed Date Legal Representative Signature of Defendant Date n � Signature of Defendant Date FORM 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW, this day of , 20 , the defendant/borrower in the above - captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant /borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in a court - supervised conciliation Conference on at M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty -one (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the plaintiff /lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant /borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant /borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant /borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff /lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff /lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff /lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff /lender is not available by telephone during the Conciliation Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff /lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT J. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson L u r i . Sheriff s rHE RQ1 H0Wo' ^,;, Nosy v Jody S Smith cJi 4 FEB 20 FM 2: F8 Chief Deputy Richard W Stewart 1011BERLAND COUN-fY Solicitor PENNSYLVANIA Pennymac Loan Services, LLC Case Number vs. 2014-579 Michael John Marol (et al.) SHERIFF'S RETURN OF SERVICE 02/05/2014 02:35 PM- Deputy Valerie Weary, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Tracy Highlands, who accepted as"Adult Person in Charge"for Occupant at 989 Big Spring Road, North Newton Township Shippensburg, PA 17 VALERIE WEARY, EPUTY 02/05/2014 02:35 PM- Deputy Valerie Weary, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Tracy Highlands, girlfriend of defendant,who accepted as"Adult Person in Charge"for Michael John Marol at 989 Big Spring Rd., Shippensburg, PA- 1725. VALERIE WEARY' 02/11/2014 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: Gail Marol at 51 Hilltop Lane, Newville, PA 17241. IL& JASO KINSR PUTY SHERIFF COST: $96.16 SO ANSWERS, February 11, 2014 RONNY RANDERSON, SHERIFF SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-044499 PennyMac Loan Services, LLC COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY • VS. NO: 14-579 Civil Michael Marol and Gail Marol DEFENDANTS TO THE PROTHONOTARY: WITHDRAWAL OF APPEARANCE AL, Please withdraw my appearance on behalf of the Plaintiff in the above-captioned matter. Date: BY: 13-044499 SHAPIRO & DeNARDO, LLC orneys for Plaint. CAITLIN M. DONNELLY, A THE f'f OTHON©TA PHELAN HALLINAN, LLP 1 _ 1\111U: 146 Attorney for Plaintiff Jonathan Lobb, Esq., Id. No.312194 4 MAR 1617 JFK Boulevard, Suite 1400 COUNTY One Penn Center Plaza P EN P S 1-\11\ O 1 Philadelphia, PA 19103 CUMBERLAND QQ Jonathan.Lobb@phelanhallinan.com 215 -563 -7000 PENNYMAC LOAN SERVICES, LLC vs. MICHAEL MAROL GAIL MAROL Plaintiff Defendant COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY No. 14 -579 CIVIL ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter our appearance as counsel on behalf of the Plaintiff, PENNYMAC LOAN SERVICES, LLC in the above captioned matter. Date: PH # 942616 3/51/y Phelan Hallinan, LLP By: J•,%lhan Lobb, Esq., Id. No.312174 Attorney for Plaintiff Phelan Hallinan, LLP PHELAN HALLINAN, LLP Jonathan Lobb, Esq., Id. No.312174 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Jonathan.Lobb@phelanhallinan.com 215-563-7000 PENNYMAC LOAN SERVICES, LLC VS. MICHAEL MAROL GAIL MAROL Plaintiff Defendant Attorney for Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY No, 14-579 CIVIL CERTIFICATION OF SERVICE I hereby certify a true and correct copy of the foregoing Entry of Appearance was served by regular mail on Defendant(s) on the date listed below: Date: MICHAEL MAROL 989 BIG SPRING ROAD SHIPPENSBURG, PA 17257-9753 PH # 942616 GAIL MAROL 51 HILLTOP LANE NEWVILLE, PA 17241 Phelan Hallinan, LLP By: J an Lobb, Esq., Id. No.312174 orney for Plaintiff Phelan Hallinan, LLP