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HomeMy WebLinkAbout14-0605 Supreme Court-of Pennsylvania �a Court' Co non Pleas e�/ r�, gy m' For G AI Sheet CU1V[Eli'AND f, County Docket No: t� S r 77te it formation collected on this form is used solely for court administr•atiorr pul7roses. .This form does not supplement or replace the filing and seri•ice of pleadings or otherpapers as required by law or rules of court. Commencement of Action: S ® Complaint ❑ Writ of Summons ❑ Petition E ❑ Transfer from Another Jurisdiction ❑ Declaration of Takin C Lead Plaintiff's Name: Lead Defendant's Name: T LNV Corporation Paul R Kaufmann, et al I Are money damages requested? [I Yes ®No Dollar Amount Requested: ❑ within arbitration limits 0 check one El outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Robert W. Williams, Esquire ❑ Check here if you have no attorney (are a Self- Represented [Po Sep 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 y ou 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 El Nuisance E] Debt Collection: Other ❑Board of Elections ❑ Premises Liability ❑ Dept. of Transportation ❑ Product Liability (does not include ❑ Statutory Appeal: Other mass tort) ❑ Employment Dispute: S ❑ Slander/Libel/Defamation Discrimination E ❑ Other. ❑ Employment Dispute: Other ❑ Zoning Board C ❑ Other: T MASS TORT Other: I ❑ Asbestos 0 ❑ Tobacco N ❑ Toxic Tort — DES ❑ Toxic Tort — Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ❑ Ejectment ❑ 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: i�;. � fig ..,,.• � , - FleoTy l f MILSTEAD & ASSOCIATES, LLC 29 �� BY: Robert W. Williams, Esquire C11 !1: 4 ID No. 315501 PE d S Y v o �OU ` �' T 1 E. Stow Road C VA j y j'4 Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff File: 34.29582 LNV Corporation COURT OF COMMON PLEAS 1 Corporate Drive, Suite 360 CUMBERLAND COUNTY Lake Zurich, IL 60047, Plaintiff, Vs. No.. 1q, 60S Paul R. Kaufmann CIVIL ACTION MORTGAGE 6 Village Rd FORECLOSURE Camp Hill, PA 17011, and Mary Ann Kaufman 6 Village Rd Camp Hill, PA 17011, and THE UNITED STATES OF AMERICA c/o the U.S. Attorney of the Middle District of Pennsylvania Federal Building, Suite 220 228 Walnut Street Harrisburg, PA 17108 Defendants ' a � 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, 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717- 249 -3166 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff LNV Corporation COURT OF COMMON PLEAS 1 Corporate Drive, Suite 360 CUMBERLAND COUNTY Lake Zurich, IL 60047, Plaintiff, No.. Vs. CIVIL ACTION MORTGAGE Paul R. Kaufmann FORECLOSURE 6 Village Rd Camp Hill, PA 17011, and Mary Ann Kaufman ' 6 Village Rd Camp Hill, PA 17011, and THE UNITED STATES OF AMERICA c/o the U.S. Attorney of the Middle District of Pennsylvania Federal Building, Suite 220 228 Walnut Street Harrisburg, PA 17108 Defendants. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, LNV Corporation (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 1 Corporate Drive, Suite 360, Lake Zurich, IL 60047. 2. Defendants, Paul R. Kaufmann and Mary Ann Kaufman, (collectively, the "Defendants "), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated September 5, 1990, recorded September 10, 1990 in Deed Book 34, Page 714. The Deed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Paul R. Kaufmann, upon information and belief, resides at 6 Village Rd„ Camp Hill, PA 17011. Defendant Mary Ann Kaufman, upon information and belief, resides at 6 Village Rd, Camp Hill, PA 17011. 4. On December 13, 2006, in consideration of a loan in the principal amount of $171,800.00, Defendants, Paul R. Kaufmann and Mary Ann Kaufmann executed and delivered to Mortgage Lenders Network USA, Inc. an Adjustable Rate Note (the "Note ") with interest thereon at 9.9000 percent per annum, payable as to the principal and interest in equal monthly installments of $1445.36 commencing February 1, 2007. The Note is attached hereto as Exhibit "B" and made a part hereof. 5. To secure the obligations under the Note, the Defendants executed and delivered to Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Mortgage Lenders Network USA, Inc. a mortgage (the "Mortgage ") dated December 13, 2006, recorded on January 4, 2007 in the Department of Records in and for the County of Cumberland under Mortgage Book 1978, Page 1693. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded January 9, 2009 under Instrument No. 200900697. The recorded Assignment of Mortgage is attached hereto as Exhibit "D" and made a part hereof. 7. The Mortgage secures the following real property (the "Mortgaged Premises "): 6 Village Rd, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E" and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due April 1, 2013, and monthly thereafter are due and have not been paid, whereby'the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ................ ....................$168,951.44 Accrued but Unpaid Interest from 3/1/13 to 12/10/13 ................. .....................$12,957.08 Accrued Late Charges ............ ........................$691.68 Property Inspections ... ........................$227.00 Brokers Price Opinion . .........................$95.00 Escrow Advance .................... ......................$1,600.50 Reasonable Attorney's Fees .. ......................$1,650.00 TOTAL as of 12/10/2013 .... ....................$186,172.70 Plus, the following amounts accrued after December 10, 2013: Interest at the Rate of 9.9000 percent per annum ($45.83 per diem); 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly ( "Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 6 Village Rd, Camp Hill, PA 17011 as well as to address of residences as listed in paragraph 3 of this document on July 29, 2013, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit "F" and made a part hereof. 11. THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennsylvania is named as Defendant herein pursuant to 28 U.S.0 Section 2410 relating to Federal Tax Liens. A copy of the Tax Lien pertinent thereto is attached hereto as Exhibit "G" and made a part hereof WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $186,172.70, plus the following amounts accruing after December 10, 2013, to the date of judgment: (a) interest of $45.83 per day, (b) plus interest at the legal rate allowed on judgments after the date of judgment, (c) additional attorney's fees (if any) hereafter incurred, (d) and costs of suit. IL TE D & SOCI T S, LLC Date: �� � lla� Robe V . Williams, Esquire Atto for Plaintiff F 'r I VERIFICATION Kelffi Man= , hereby states that he /she is AuthodI ed Signer for i LNV Corporation, Plaintiff in this matter, that he /she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his /her knowledge, information and belief. The undersigned i understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4944 relating to unswom falsification to authorities. Name: KdAh Manson DATE: �� Title. Authorized Signer File #: 34.29582 Name: Paul R. Kaufmann & Mary Ann Kaufmann EXHIBIT A ._..�..... - - - - - 1 ' . L .S � O r •+.. .. School Dist. Cumb. Co.. Pa. Cutnb. Cu., Pa. - 1,% Rea( Esma lmnsfer Tax 1 - % Real Estate Ttsaafer Tax Dnt /o - f Q AML h to nist. Col Ap Ctimb. Cb. DIN• Cef. Apt MADE the 5��- - day Of in the year nineteen hundred and ninety (1990). BETWEEN .70SEPH F. BRSLSFORp and .L$'SLIS A. DRE SM1W, his wife, Of Lower Allen Township, C mberland County, Pennsylvania, Parties of the First Part, - .aND- PAUL R..1CAIWMAV and MARY ASK XWFMANN, his wife, of Lemoyne, Cumberland County, Pennsylvania, Party.of the Second Part, WITNE'SSETH, That said parties of the first part, for and in consideration of the sum of One Hundred One rbousand Five Hundred and no 1100 ($202,500.00) Dollars, lawful money of the United States of America, and other good and valuable consideration, well and truly paid by the said parties of the second part to the said parties of the first part, at and before the sealing and delivery of these presents, the receipt whereof is hereby acknowledged, have granted, bargained, sold, aliened, enfeoffed, released, conveyed and confirmed, and by these presents do grant, bargain, sell, alien, enfeoff, release, convey and confirm unto the said parties of the second part, their heirs and assigns. ALL THAT cERTAIN piece or parcel of land, situate in the Township of Lower Allen, County of Cumberland, and State of Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a point on the westerly side of Village Road, said point being the dividing line between.Lots Nos. 21 and 22 on the . hereinafter mentioned Plan of Lots;_ thence in a westerly ' direction along said dividing Iine, one hundred twenty (12a) feet to Lot No. 46 on said Plan; thence in a southerly direction along Lots Nos. 46 and 47 on said Plan, sixty ,(6o) feet to Lot No. 23' on said Plan; thence in.an easterly direction along Lot No. 23 on said Plan, one hundred twenty (120) feet to,V111age Road) thence In a northerly direction along Village Road, sixty (60) feet to the place of BEGINNING. BEING Lot No. 22, Plan of Highland Village, Laver Allen Township, as recorded in Cumberland County Recorder's Office in Plan Book 3, Page 98. HAVING THEREON ERECTED a two story dwelling house known and numbered as 6 Village Road, Camp Bill, Pennsylvania. . BEING the same premises which WILLARD A. HEMS, JR. and BEVERLEY C. MERKLS, his wife, by their deed dated the 7th day of August, 1974, and recorded in the Recorder of Deeds Office In and for Cumberland County, Pennsylvania, in Deed Book "'5," volume 25, eoox 4 racE 714 ti Page 768, granted and conveyed unto JOSEPH F. BRELSFORD and LESLTE A. BRELSFORD,. his vita, grantors herein. TOG- ZR with a_U and singular the tenements, hereditaments and appurtenances to the same belonging, or in anywise appertaining,' and the reversion and reversions, remainder and remainders, rents, .issues and profits thereof: AND ALSO all the estate right, title, interest, property, claim and demand whatsoever, both in law and equity, of the said parties of the first part, of, in, to or out of the said premises, and every part and parcel thereof. 111�1i:ilfEl' ; To HAVZ AND TO HOLD the said premises, with all and singular d the appurtenances, unto the said parties of the second part, L` ° their heirs and assigns, to and for the only proper use'and beboof of said parties of the second part, their heirs and assigns forever. n ii w u 3 AND the said Grantors, Parties of the First Part, and their executors, and administrators, do by these presents, O w \ .second t, g their heirs t o a nd wi h the said Parties of the T a assi that they the said ap Grantors, Parties of the First Part, and their heirs, all and w singular the hereditaments and premises hereinabove described and z g granted, or mentioned and intended so to be, with the III appurtenances unto the said Parties of the'Seoond Part, their heirs and assigns, against the said Parties of the First Part and a ,�r their heirs; and against all and every other person or persons, a�_4 whomsoever, lawfully claiming or to claim the same or any part £ l £ 6 C thereof, shall and W1I1, by these presents, WARRANT AND I'QREVER DEFEND. E IN WITNESS WHEREOF, the said parties of the'.first part have hereunto set their hands and seals, the day and year first i written above. SIGNED, SBALED AND DELIVERED 1 [� I1 E E i El! (•.1 IN THE PRESENCE OF ' • o I Ol t/ �F_;Z (SEAL) J S$P �=• LESLIE A. BRELSFO 1 I i b + va eoe>t 1 34 ; 7iS CHR2TX=A_►'S OF RpsmERCS 7, hereby certify that the precise residence of the grantees herein is as f 6 Village Road I Camp Hill, PA . Tall . Agent or Attorney Sam- OzanYO COMMONWEALTH OF PENNSYLVANIA t ss. COUNTY OF DAUPHIN i on this, the 5 day of �t �ttJ1Y)� 2990, ( before me, a notary public, the undersigned officer, porsonally appeared JOSEPH F. BRELSFORD and LESLIE A. BRELSFORD, known to me i (or satisfactorily }woven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purpose therein contained. IN WITNESS WHEREOF, I have hereunto set my hand and official seal. f - t Pry. commission. Expires: �• Notary Public A y�tl NOTAM&SM UNDALGUSTIM,Nolgft >; ' •' HartisDutg PA Wuphn Counip ? - ' :',` '�,,�. ri b ` 4 ft i MyCanatissoaExpresMay2d 1491 rc o -y wi W V V : COMMONWEALTH OF PENNSYLVANIA = tL': :•q i:s'.r��1 s' COUNTY OF CUMBERLAND `�� j • • RECORDED in the Office for Recording of Desds, etc., to and for aid County, in Dead Book No.3 , Page "j I, ) !' MXTNL+'SS my hand 4tn official seal this day of 1990 r n a C W co p F— •• • • • Recorder of Deeds -4 i L� .-. f �i�.v •rl z , �. v C:) E00YTc34 PAGE 716 EXHIBIT B ADJUSTABLE RATE BALLOON NOTE 30 -YEAR TERM / 40- YEAR. AMORTIZATION (Assumable during Life of Loan) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. TIM LENDER IS UNDER NO OBLIGATION TO REFINANCE TIM LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO MAI{E PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A N19W LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LE WITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMM RATE I MUST PAY. December 13, 2006 Rochester New York loaty] LCM LStata] 6 VILLAGE ROAD , CAMP HILL, PA 17011 lj�wpmy Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 171, 800.00 (this is called "Principal" I plus interest, to the order of the Lender. The Lender is MORTGAGE LENDERS NETWORK USA, INC. . I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid Principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 9.9000 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 40/30 MULTISTATE ADJUSTABLE BALLOON NOTE (ADJUSTABLE RATE) (Assumable) �} 4030NI) IU 4 /06 Page I of 4 Initials: 3. PAYMENTS (A) Time and Placeof Payments I will pay Principal and interest by making a payment every month. I will make my monthly payments on the 1st day ofeacb month beginning on February 1, 2007 I will make these payments every month until I have paid all of the Principal and interest and any other charges that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on J anuary 1, 2037 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make mymonthlypaymentsat 10 RESEARCH PARKWAY, WALLINGFORD, CT 06492 or at a different place if required by the Note Haider, j (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 1,443.36 . ' Ibis amount may change. (C) Monthly PaymentChanges Changes in my monthly payment will reflect changes in the unpaid Principal of my loan and in the interest rate that I must pay. TbeNote Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLYPAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on January 1, 2009 , and may change on that day every 6th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the six month London Interbank Offered Rate ( "LIBOR ") which is the average of interbank offered rates for six-month U.S. dollar - denominated deposits in the London market, as published in ?Ire Walt Slreer.lournal. The most recentbdex figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is basedupon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Six and H 1 ne— Tenths percentage points ( 6190000 %) to the Current Index. The Now Holder will then round the result of this addition to the nearest one- eighth of one percentage point (0.125°/6). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid Principal that I am expected to owe at the Change Date in full odanu ary 1, 2Qach is called the "Amortization Date ") in substantially equal installments at my now interest rate. The result of this calculation will be the new amount of my monthly payment. Nohvithstanding the 40 -yeas amortization period used to calculate my monthly payments,I understand that I must pay all amounts that I owe under this Note fa full or on the Maturity Date, fvhich Is approximately 39 years from the date of this Note. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the fast Change Date will not be greater than 12.9000 % or less than 9.9000 %. Thereafter, my interest rate will never be increased or decreased an any single Change Date by more than One percentage point(s) ( 1.0000 6 /6) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 15.9000 ` o. My interest rate will never be less than 9.9000 %. (E) Effective Date of Changes My now interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include inforrnationrequired by law to be given to me and also i the title an d telephone number of a person who will answer any question I may have regarding the notice. 40/30 MULTISTATE BALLOON NOTE (ADJUSTABLE RATE) (Assumable) 4030142MU 4 /06 Page 2 of 4 Initials: r r S. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at anytime before they are due. A payment of Principal only is known as a "Prepayment," When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under ibis Note. I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount ofPrincipal that 1 owe under this Note However, theNote Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Noto Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. .x Except as set forth in the attached Prepayment Penalty Addendum. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 10 calendar days after the date it is due, I will pay a Iatc charge to the Note Holder. The amount of the charge will be 10.0000 % of my overdue payment of Principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If 1 am in default, the Note Holder may send me a written notice telling me that i£ 1 do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D)Ne i'VaiverByNoteHolder Even if, at a time when I am in default, the Note i4otdcr does not require me to pay immediately'in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Nate Holder's Cost and Expenses Ifthe ?dote Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. V. GIVING OF NOTICES Unless applicable'law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by fast class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF THE PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is the guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individua!!y or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 40/30 MULTISTATE BALLOON NOTE (ADJUSTABLE RATE) (Assumable) }L / p� 4030N3MU 4106 Page 3 of 4 Initials:. 111. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice o1' Dishonor" means the right. to require the Note Holder to give notice to other persons that amounts duc have not been paid. 11. SECURED MOTE In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or securit Deed (the "Security Instrument "), dated the same date as this Note, protects the Note Holder from possible losses that might result if 1 do not keep the promises that i make in this Note. That Security Instrument describes how and under what conditions I may be required to rnakc immediate payment ill full of all amounts I owe under this Note. Sonic of the conditions read as follows: Transferof the Propertyor a Beneficial Interestin Borrower. As used in this Section 18, "interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. if all or any part of (lie Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent., Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not b; impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instnnnent is acceptable to Lender. "fo the extend permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security instrument. Borrower will continue to be obligated under the Note and this Security I list I'll mernt unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance wide Section 15 within which Borrower must pay all sums secured by this Security Instrument, If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEALS(S) OF THE UNDERSIGNED, 1 (Seal) 1V"✓ (Seal) PAUL R KAUFMANN " c° MARY ANN IrUFMANN ' aOfONC PAY TO T i'ia.:4i_Gr•._:'d 4r t'. (seat FUND r.GURAW. t t C ff Seal 13 UIZ WI UT RECOURSE - 1 atm.c' By, MOR'iCAGE DE T OMARK i f 5 ign Original UnlyJ OP RATIONS 1%4AN6 GER 40/30 MULTISTATE BALLOON NOTE (ADJUS'T'ABLE RATE) (Assumable) 4030N4MU 4/06 Page 4 of 4 ► PREPAYIV.[ENT PENALTY NOTE ADDENDUM _ For a valuable consideration, receipt of which is hereby acknowledged the undersigned agree that certain Promissory Nate of even date to which this Addendum is attached, shall. be subject to the following provisions, notwithstanding any provisions to the contrary contained in said promissory note or the Deed of Trust, Mortgage, Real Estate Mortgage, Security Deed (Security Instrument) securing same. This Addendum is attached to and made a part of that certain Promissory Note given by PAUL R KAUFMANN MARY ANN KAUFMANN ( Borrower) to ; MORTGAGE LENDERS NETWORK USA, INC. , (Lender), dated December 13, 2006 , which Note is in the principal amount of $ i 171,800.00 'REPAYMENT PENALTY After Two 2 fu yea r (s) from the date hereof; maker may pre -pay, without penalty, the outstanding principal balance. In the event maker prepays in full the i outstanding principal balance and accrued interest during the first Two 2 full year Cc) from the date hereof, maker shall pay in addition to such prepayment a penalty in an amount equal to a percentage of the principal portion of the amount so pr"and in accordance with the following: If paid during the first year from the date hereof, Five percent ( 5.0000 %) of the portion of such prepayment equal to the principal amount so prepaid. If paid during the second year from the date hereof, Five percent , f 5.0000 %) of the portion of such prepayment equal to the principal amount so prepaid. Holder shall apply any prepayment first to reduce any interest and charges owing at the ttme of such prepayment and then to reduce the amount of principal owed under this Note, provided that such balance shall be applied to the principal in reverse order of the due date of each payment and shall not otherwise affect or delay the due date of the next payment under the Note 12/13/200 P ' S', k Borrower Bate Borrower Date PAUL R Mf kqEj 12/13/200 12/13/2005 orra r Date Borrower Date MARY ANN KAUFMANN pmpy 4Mff mv7M 1at88 ALLONGI? "IO PROMISSORY NOTE I�OR PURI'OSES OF FURTHER ENDORSEMENT OF THI" FOLLOWING DESCRIBED NOTE, THIS LLONGE IS AFFIXED AND BECOMES A PERMANE'N'T PART OF SAID NOTE POOL: 0 LOAN ID; IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIf 111111111 IN NOTE DATE: 12/13/2006 LOAN AMOUNT: $171,800.00 BORROWER NAME: PAUL R KAUFMANN & MARY ANN KAUFMANN PROPERTY ADDRESS: 6 VILLAGE ROAD, CAMP HILL, PA 17011 ••• •wwrrrw wrr••••• •rru •a•wararrww w ura r war•• a+vrwa ru•.•rwa• •ar• aarrrua ar•ra•rr r r.aa r. •rrxw. •w• ru r•x rwrrrrrr »u xxr• r xrxu•• »rr rrr •a •••rrrrw PAY TO THE ORDER OF LNV Corporation WITHOUT RECOURSE Residential Funding Company, LLC By: Name: Jason J. Vecchio Title: Post Funding Manager Residential Funding Company, LLC EXHIBIT C `` ( EG LEI [ 7 Jti Rte 104 rrcPi vy: Mp[teaa Len d � Netwo kU .I °c• Mary g A d ne r US Closi - --�"- ng USA, I.LC f • �._ _._ 2s0 Mile Crossing Blvd, Suitc4 Rochester, NY 14624 As agent tor: MortraLe Lenders Network! )S6 i Al:rER RECORDING RETURN TO: CLA000h0019E Closing USA, LLC AT TN: Recording Dept 250 Mile Crossing BLvd., Suite #4 Rochester, NY 14624 Parcel Number. l3 J3 -OSy7- q45 Premises: 6 VILLAGE ROAD CAMP HILL, PA 17011 kklS���r, •. L., . Ailm I5pwA ALew This Lice For Recording Data] MORTGAGE DEFJA DONS MIN 1002610•- 6000074297 -9 Words used in. multiple sections of thiat� document are defined below and other wards are defined in Sections 3, 11, 13, 18, 20 and 21. Ceamim rules rt g:dng the usage of words used in this document are also provided in Section 16, (A) "Swmdq lm&mmem" mesas d& dommemt, which is dated December 13, 2006. together with all Riders to this docullmeSt. (B) !'Borrower" is PAUL R KAUPIWM SUSSAND MARY ANN KAUFMANN WIFE Borrower is the mortgagor under ibis Sam x* Instrument. (G) 'W M". is Mortgage Elechuilc Regi mfon Systems, Inc. MGRS is a separate eorpmadon that is acting solely as a rminee fare leader aad I:eriWs successors and assigns. bMM is the mortgagee under this Security hwbn � MERS is otgrrnimW sad msling under the laws of Delaware„ and has an address and telephone number of P.O. Box 2026, PAmt lei 48501- 2026, teL (888) 679 -MFRS. PENNSYLVANIA- Single Family- Fannie Maeffroddie Mae UNIFORM INeirA uPAENT WIT" MFRS 4WA(PA) (oeos) Form 3 1101 Page t o! Is Mltiala: ty\1k L p— VMP Mortpaga Solutions, Inc. (40016214291 BK t 978PG 1693 i (D) "Lender "is MORTGAGE LENDERS NETMORK USA, INC. Lenderisa corporation or Association organized and existing under the laws of Delaware Leader's address is 213 Court St. Middletown CT 06457 (E)" Note"• memsthepromismryno tesignedbyBounwea and dated December 13, 2006 The Now states that Borrower owes Leader One Hundred Seventy -one Thousand, Eight Hundred and No /100 ------------------------------------ Dollars (U.S. $ 171,800.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and-to pay the debt is full not later than January 1, 2037 (F) "Property" means the property that is described below under the heading 'Transfer of Rights in the Property- (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and We charges due under the Note, and an sums due under this Security Instrument, plus interest, (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable] Adjustable Rate Roder Condominium Rides Second Home Rider Balloon Rider 19 Planned Unit Development Rider 1-4 Family Rider 0 VA Rider El Biweekly Payment Rider OdXX(s) (specify] Adjustable Rate Balloon Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. W "Community Association Dues, Fees, and Assessments" means all dues,' fees, assessments ind • other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (l) "lkchv= Funds Transfer" means any transfer of fiends, other than a transaction originated by checIr, draft, or similar paper mstrument, which is initiated through an electronic terminal, telephonic instrument. computer, or magnetic tape so as to order, instruct, or authorize a financial institution w debit or credit an account. Such terra includes, but is not limited to, point-of-sale transfers, adtornated teller machine transactions, transfers initiated by telephone, wire uansfexs, and automated clearinghouse transfers. (L) "F.savwltetons" means those items that are described in Section 3. (W "MiseeftDeons Proceeds" mesas any commpensation, sculmient, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for. (1) damage to, or destruction of, the Property. (ii) condemnation or other taking of alt or any part of the Property (iii) conveyance in lieu of condemnation; or (iv) misrssentatians of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insuraneeprotecting Lender against the nonpayment of, or default on, the Loan. (©) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Sections 3 of this Security Instnmuent. Icklak: ,� 1' � - BA(t'A) (u6oe� Pape 2 of 16 Form 3039 1/01 BKI978PG1694. (P) "RFSPA" means the Real Settlement Procedures Act (12 U.S.C. Section 2501 et seq.) and its implemcnlpg regrulatim Regulation X (24 CYR Part 3500), as they might be ameaded from time to time, or any a wb o ng or successor legislation or regulation that governs the some subject matter. As used in this Security Instrument, 'RESPA" refers to all requirements and rwtdcdm that axe imposed in regard to a "federall r+elatod mortgage loan' even if the Loan does not qualify as a *federally related mortgage loan" under RESPA. (ty "Snoceseor in htayst of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument_ TRANSFER OF RIGHTS IN THE PROPERTY. Ibis Security Insoument secures to Lender. (01 the repayment of the Loan; and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this parpose, Borrower does hereby mortgage, grant and convey to MRS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of NMS, the following described property located in the . COUNTY iT�pc of ReoomUng 3udsdiaioul of CUNRERLAND IName of Recording Jariadictianl: SEE ATTACHED SCHEDULE A which crur=dy has the address of 6 VILLAGE ROAD Isveetl CAMP HILL tortrt,P=nsylvania 17011 MP coael ("Property Address "): TOGETHER WTIH all the impprorovements now or hereafter er=W on the property. and all easements, appurtenances, and fixtures now or hereafter a part of the pm erty. AM xep>am ceents and additions shall also be covered by this Security Instrument: All of the ftegomg 3s referred to in this Swarity luatrument as the "Property" Bacrower understands and agrees dw F3C2S holds only legal We to the interests grenwd by Borrower in this Security Instrument, but, if neocomy to comply with law or custom, WMS (as nominee for Lender and Lender's successors and assigns) has the �ht to exercise any or all of dum intcrwm iacluding, but not limited to. the right to foreclose and sell ft naperty; and to .take any acdsm required of Lender including, but not limited to. releasing OA canceling this Security Instrument • rnigab: I� J' �' 4ft•8A(PA) Iowa) Pap s Of is Form 3038 V01 BKI978PG1695 Closing USA, LLC as agent for Lawyers Title Insumnee Corp COMMITMENT FOR TITLE INSURANCE LEGAL DESCRIPTION THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THE CITY OF CAMP HILL, TOWNSHIP OF LOWER ALLEN, COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA, TO WIT: ALL THAT CERTAIN PIECE OR PARCEL OF LAND, SITUATE IN THE TOWNSHIP OF LOWER ALLEN, COUNTY OF CUMBERLAND, AND STATE OF PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE WESTERLY SIDE OF VILLAGE ROAD, SAID POINT BEING THE DIVIDING LINE BETWEEN LOTS NOS, 21 AND 22 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE IN A WESTERLY DIRECTION ALONG SAID DIVIDING LINE, ONE HUNDRED TWENTY (120) FEET TO LOT NO. 46 ON 'SAID PLAN; THENCE IN A SOUTHERLY DIRECTION ALONG LOTS NOS. 46 AND 47 ON SAID PLAN, SIXTY (60) FEET TO LOT NO. 23 ON SAID PLAN; THENCi =1N AN EASTERLY DIRECTION ALONG LOT NO. 23 ON SAID PLAN, ONE HUNDRED TWENTY (120) FEET TO VILLAGE ROAD; THENCE IN A NORTHERLY DIRECTION ALONG VILLAGE ROAD, SD(TY (60) FEET TO THE PLACE OF BEGINNING. BEING LOT NO. 22. PLAN OF HIGHLAND VILLAGE, LOWER ALLEN TOWNSHIP, AS RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 3, PAGE 98. HAVING THEREON ERECTED ATM STORY DWELLING HOUSE KNOWN AND NUMBERED AS 6 VILLAGE ROAD, CAMP HILL, PENNSYLVANIA. TAX ID #. 13- 23-05471345 BY FEE SIMPLE DEED FROM JOSEPH F. BRELSFORD AND LESLIE A, BRELSFORD, HIS WIFE AS SET FORTH IN DEED BOOK T34, PAGE 714 AND RECORDED ON 5/1011990, CUMBERLAND COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY. THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE. I Certify fib to be recorded In Cumd Carty PA °• Recorder of Deeds BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and wni1l defend generally the We to the Pmperty against all claims and demands, subject to any encumbrances of record. THIS SECURrff LNSTRTJWN`T combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security ins4tument covering real property UNIFORM COVENANTS. Borrower and Leander covenant and agree as follows: I. Payment of Prindpal, Interest, Fsrcow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, - and interest on, the debt evidenced by the Now and any prepayrrent charges and late charges due under the Note. Burrower shall also pay funds for Bsrsow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be. made. in U.S. currency_ However, if any check or odner instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Leader may require that any or all subsequent payments due under the Note and this Security Instrument be glade in one or more of the following farms, as selected by Lender. (a) cash; (b) money mrder; (c) certified checic, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumenmlity, or entity; or (d) Electronic Funds 1Yansfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lauder in accordance with the nonce provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Leander may accept any payment or partial payment insufficient to bring the Loan mrrent; without waiver of any rights hereunder or prejudice to its rights to rofose such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied frmds until Borrower makes payment .to bring the Loan current. If Borrower does not do so within a reasonable period of time, L.e x'kx shall' either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lang shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreunents secured by this Security Instrument. 2. Application of Payment's or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority. (a) interest due under the Note; (b). principal due under the Note;' (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any retraining amounts shall be applied first to late charges, second to any other amou nts.due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a ddinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If mare than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Per iodic Payments if, and to the extent that, each payment can be paid in Initials: Jhn A- qft-eA(PA) tosoat Page 4 of 16 Form 9699 1/01 8KI978PG1696 fuiL To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late. charges due. Vohnitary prepayments shall be applied first to* any prepayment charges and then as descn' bed in the Note. Any application of payments. insurance proceeds, or,Miscellaneous Proceeds to PIMMP81 due under the Note; shall not extend or postpone the due date, or change the amount; of the Perioft Payments. 3. Funds for Escrow Items. Borrower shall pay to Leader on the day Periodic Payments are due under the Note, until the Note is paid in foil, a sum ( the "Funds") to provide for payment of amounts due for. (a) taxes and asnssments and other items which can attain purity over this Security Instrument as a lien or encumbrance on the property: (b) leaseliold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Under wider Section 5: roil (d) Mortgage Insurance premiums, if any. Li or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the team of the Loan, Under may require that Community Association Dues, Fees, and Assessrnents, if any, be escrowed by Boavwe r, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items un1eas Lender waives Borrower's obligation to pay the Ponds for any of all Escrow Items Lender may waive Borrower's obligation to pay to L aukr Funds for any or all Escrow Berns at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds his been waived by Lender and, if Leader requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instruaner►t, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower stood then be obligated under Section 9 to repay to Lender any such amount. Lender may revolve the waiveras.to -any or all Escrow Items at-any time by a notice given in accordance with Section and, upon such revocation; Borrower shall pay to Lender all. Funds, and in such amounm, that are then required urtidrt this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Leader shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow uterus or otherwise in accordance with Applicable Law. The lauds shall be held in an instinrtion whose deposits are insured by a federal agency, instrumentality, or cntity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply die Funds to pay the Escrow Items no later than the time specified under RF..SPA. Lender shall not charge Borrower for holding and applying the Foods, annually analyzing the escrow acconnt, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. UNew an agreement is made in writing or Applicable Law requires interest to be paid on the Ponds, Leader shall not be required to pay Borrower any interest or earrings on the Funds. Borrower and Lender can agree in writing, however, that Interest shall be paid on the - 6A(PA) loser) Pape b of 1 s ForM 3059 1/01 BKI978PG1697 Funds. Lender shall give to Borrower, without charge, an annual accounting of the Finds as required by RESPA. . If there is a surplus of Funds held in escrow, as defined under RESPA, Lender " account to Bcezower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defwd under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shoatage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, I.eader shall promptly refund to Boimwer any Funds held by Lender. 4_ Chargers; Liens. Borrower shall pay 0 taxes. assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues. Fees, and Assessments, if any. To the, extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Semchy Instrument unless Borrower. (a) agrees in waiting to the payment of the obligation secured by the lien in a manner acceptable to Lender; but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Leader subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is g givco, Borrower shall satisfy the lien or take one or in= of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for areal estate tax verification and/.or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property inmuaod against loss by fire, hazards included. within the term "extended coverage,° and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This kauraruce shall be maintained in the amounts ( inchuling- deductible levels) and for the periods that Lender requires. 'What Leader requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurmuce shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone detecrninmtion, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which rewonaMy might affect such detuw6atitm or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Nimagerrient Agency in connection with the review of any flood zone detenninationresulting from an objection by Borrower. - BA(PA)(0502) page aotie Forms0M 1101 6KI978PG1698 N Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage d M cover lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any rkal:. hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might sngnifcandy exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Node rate from the data of disbursement and shall be payable, with such interest, upon noti= from Lender to Borrower requesting payment All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shell name Lender as mortgagx and/or as an additional loss payee, Lender shall have the right to hold the pops and renewal certificates. If bender requims, Borrow-er shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any foam of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Propety, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. in the event of loss, Borrower shall give prompt notice to the insurance curter and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was requirod by Leander, shall be applied to restoration or repair of the Property, if the restooation or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Leader shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment Or in a aeries of progress payments as the work is completed Unless an agreeurnent is made in writing- or. Applicable,. Law- requires interest to be paid an such insurance prooxels, Lender shall not be. required to pay Borrower any iuntmt or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and sW be the sole obligation of Borrower. if the restoration or repair is not economically feasible or Lender's seamy would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instsumnem whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Leander that the insurance carrier has affered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In eAcr event, or if Lander acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any ins mace proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar w such rights are applicable to the coverage of the Property. Lender may use Cm insurance proceeds either to repair or ream the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. r V 4ft- !A(PA) tozwj pay rot 10 Fora 3039 1ro1 ....... ... ........_...: . OK1970PG1699 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, runless Lauder otherwise agrees in writing, which consent shaIl not be unreasonably withheld, or unless extenuating circumstances east which =beyond Borrower's control. - 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the property to detedarate or commit waste on the property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property at ceder to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section S that repair out restoration is-not economically feadhlc Borrower shalt promptly rgxdr the property if damaged to avoid further deterioration: or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, ttne Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Leader may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed If the insurance or corukmnation proceeds are not sufficient to repair or restore the Property. Borrower is not relieved of Bonaower's obligation for the completion of such repair our restoration. Lender or its agent may make reasonable entries upon andmspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvenna nts on the Property. treader shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. & Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons, or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate infmrrtation or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to,- representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Intent in the Property and knights Under this Security Iastrnment If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legit proceeding that nught significaltly affect Dander's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture. for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropdate to protect Leader's interest in the Property and fights under this Security Instrument, including prong and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can inctade, but are not limited to: (a) paying any sums sew by alien which has priority over this Security Instrument, (b) appearing in cmm and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or lights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property inctndes, bat is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliumnam buMng or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. ft - SA(PA) toswj Pape a of 16 Form 3019 VDt 6KI978PG1700 Any amounts disbursed Leuder under this Sectkm 9 shaIl become additional debt of Bower seemed by this Security Instrument, 7bew amounts shall bear mterrst at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting Payment. If this Security Instrument is on a leasehold, Borrower shall comply with ail the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless lAmdw agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loma, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage Ensurer that previously provided such insurance and Borrower was 'required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by L, ender. If substantially e#vaknt Mortgage Insurance coverage is not available, Borrower shall, continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect•_ Lender will accept. use mud retain these payments as a ton -re imdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be iron- rdmdahle, notwid>sttmding the fact that the Loan is ultimately paid in full, and Leader shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer requite lags rive payments if Mortgage Insurance coverage (m the amount and for the period that Leader requires) provided by an insurer selected by Lender again becomes available, is obtained. and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was repaired to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the pmr aiums nqu red to maintain Mortgage Insurance in effect, or Do provide a non - refundable loss reserve, until Lender's requiaement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tuminatiem or until unnination is required by Applicable Law. Nothing in this Section 10 affects Bormwer's obligation to pay interest at the rairpovuled in the Dote. Mortgage Insurance reimburses Lender (or any entity.that purchases the Note) for curtain losses it may incur if Borrower does not repay the Lomas agreed. Borrower is not a patty to the Mortgage Instance. Mortgage inmtrrss evaluate their total risk on all. sock insurance En force from time to time, and may enter into agreements wilts other parties that share or modify their risk, or reduce loss These agreements are on terms and conditions that are satiffwtury to the mortgage insimer and the other party (or parties) to these agreements. 'These agreements may require the mortgage insurer to make payments us4 any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements. Under, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance. in exchange for sharing or modifying the mortgagor insurer's risk, or reducing losses. If such agreement provides that an affiliate of Leader takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often ter med "captive reinsurance." Furdwr. (a) Any such agreements wi l not affect the anoumb that Borrower has agreed to pay for Mortgage Insurance, or any oilier terms of the Loan. So& agreements wA not increase the amount Borrower will owe for Mortgage Ineaiunce, and they will not entitle Borrower to any ret'atnd. 4R- 6A(PA) tosoz? rnoo O 0116 Form 3039 1101 BK 1978PG 1 701 (b) Any sash agreements Will not affect the 'rIgbts Borrower has - if any - with respect to the Mortgage Ranee under the Homeowners Proms Ad of 1998 or arty other law. These ritkb may hwhrde , the right to receive cry Uk- dbcbmr+m, to request ausd obtain caeoelmt m of the Mortgage Insuurartce, to have the Mortgage h=ranoe termiestted autmatica ft and/or to nod" a rdWW of any Mar tMe bum -ante premiums that were uatearned at the time of such inn or brrmieatiom. ii. Asdpinent of MusceHttneaurs beds: Forfeltum All Kwellancous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the r norawa or repair is economicaU.y feasible and Lender's security is not lessened. Daring sash repair and restoration period, Lender shall have the right to hold such Miscellaneous proceeds until Lender has had an opportunity to inspect such Property to ensure the ward has been completed to Larder's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or A,pplic. Law interest to be paid on such Msocllancous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceed. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the stuns s=zad by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceed shall be applied in the ordri provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property. the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not they due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destnrction, or loss in value is equal to of greater that the amotmt of the sums secm®d by this Seem* Instrument immediately before the partial tai<ing, destruction, or loss in valor. unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the smog secured kuaedWdy before the partial talong. destruction, or doss in value divided by (b) the fair rnadxr. value of the Property immediately before the. partial *dug, des on, or loss in value. Any balaicc shall be paid W Borrower. In the event of a partial taking, destruction, or doss in value of the Property in which the fair market value of tie property immediately befarc the partial taking. demuction, or loss in value is less than the amount of the sums secured immediatr.,gy before the partial taking, destruction, or loss in value, unbcss Borrower and Leader otherwise agree in writing, the Mrsce0aneouus proceeds shall be applied. to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower. or if, aft notice by Lauder to Borrower that the Opposing Party (as dined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails re to'spond to Leader within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds cither to restoration or rep* of the Property or to the sums secured by this Security Instrument whether or not that due. "Opposing Party" means the third party that owes Borrower Muscelkrmeous Proceeds or the party aga;tst whom Borrower has a right of action in regard to Miscellaneous Proceeds. Bonvwer shall be in default if any action or proceeding, whether civil or criminal. is began drat, in LerudWs judgment, could result in forfeiture of the Property or other material impairment of I.cnder's interest in the Property or rights under this Security Instrument Borrower can care such a default€ and, if a micratnon bas occurred, reinswe as provided in Section 19, by caning the action or proceeding to be dlis nigsed with a ruling dm in Lender's judgment, precludes forfeiture of the Property or ot materiel impairutettt of - ea(PA) psm) Page 10 of ,6 ` Form 9030 1101 8KI978PG1702 : Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim far damages that are attributable to the impaicmeat of Lender's interest in the Property are hereby assigned and shalt be paid to Leader. Alt M>scellaneous Proceeds that ate not applied to resoaration or repair of the Property d aII be app lied in the order provide] for in Section 2. U Borrower Not Released; Forbearance By Lender Not a Waiver. Fawnvan of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lendef to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Bauower or any Successors in Interest of Borrower. Lender shall not be =dui ed to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amotmt then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13— Taint and Several Liability; cosigners; Successors and Asslm Bound. Borrower covenants and agrees ths2 Borrower's obligations and'Itability shaU be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a `co- signer"): (a) is co-signing this Security Instrument only to mortgage, grant and ouavey the co- sigter's interest in the Property under the berms of this Security Instrument; (b) is not personally obligated to pay the guru secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard w the terms of this Security Instrurnem or the Note withaut the co- signer's ConsenL Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lende4 shalt obtain 0 of Borrower's rights and benefits under this Security Instrument. Borower shall not be released from Borrower's obligations and liability under this Security Instrutnent unkas Lender agrees to such release in writing. The covenants and agreemenm of this Security Instrument shaft bind (ezc4x as providM11i'Section 20) and benefit die successors and assigns of Lender. 14. Loan Charges. Lewder may charge Bamawer fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this - Security Instrument, including, but not limited to, atlorrreys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Lean is subject to a law which sets maximum loan charges, and that law is fraariy interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the penmlued limits, then: (a) any such ban charge shall be reduced by lire amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. I=der may choose to make this refund by reducing the princkW owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, *the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's aaxptance of any such refund made by direct payment to Borrower wiU constitute a waiver of any right of action Borrower might have aiiesmg ore of such overcharge, qq- aA(fA) lasm) Pepe 11 of Is Form 9088 1101 BK i 978PG 1703 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by fast class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has dated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Leader specifies a procedure for reporting Borrower's dump of address, then Borrower shall only report a change of address through that specified prrocodum These may be only one designated notice address order this Swunty Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by fast class mad to Larder's address stated herein unless Gender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until. actually received by Leader. If any notice requited by this Security Instrument is also required under Applicable Law, the Applicable Law regttiretnent will satisfy the corresponding req&etment Hinder this Security hatrumcuL 16. Governing Law; Seve3rabRy,• Rules of Chou. This Security Instrument shall be governed by federal law and the law of the ,juri Action in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law, Applicable Law might explicitly or implicitly allow the parties to agnoe by contract or it might be sleet, but such silence shall not be construed as a prohibition against agneerr►ent by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument; (a) words of the masculine gender shall mean and include, corresponding neuter words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa; and (c) the word . may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security lnsnment. U. Transfer of the Property or a BeaeBcW Interest in Bomrwer. As used in this Seem 18, "Interest in the Property" means any lopl.or be ae frcial interest in the Property, including, but not limited to,. those beneficial interests transferred in a bond for deed, contract for deal, installment sales contract or escrow agreement, the intent of which is the transfer of title by Bomowm at a futuue date to a panchasear. If all or any part of the Property or any Interest in the Property is sold or transfured (or if Borrower is not a natural person and a beteficial interest in Borrower is sold or transferred) without Lendee's prior written consent. Leander may require immediate payment in full of all sums secured by this Security Instrument However, this option stall not be exercised by Leader if such extrrise is prohibited by Applicable Law. If Leader exercises this option, Lender shall give Borrower notice of accelcmtiott. The notice shall provide a period of not less than 30 days from the date the notice is given in accard rice with Section 15 within which.Borrower must pay all sums secured by this Security hatrament. If Borrower fats to pay these stuns prior to the expiration of this pefuA Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Rlght to Retntate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Irshumatt disoontiaued at any time prior to the, earliest of. (a) five days before sale of the Property pursuant to any power of sale contamad in this Security Instrument; (b) such other perio'l as Applicable Law might specify for the termination of Borrower's right to reansmbe; or (c) entry of a judgment euf=ilig this Security InsmmMeat ThOW conditions are that Borrower. (a) pays Lender all stmms whim then would be due undo this Smudry Inamunent and the Now as if no accrdcration had ownrred; (b) etu es any default of any otter 'covenants or agreements; (c) pays an 4q-BA(PA) (o5w) YaQ• teat to Form 3034 1101 EKI978PG1704 expenses incurred in enforcing this Security Instrument, bchx%g. but not limited to, reasonable amoaneys' fees, property inspection and valuation fees, and other fees i ictured for the propose of protecting Leader's interest in the Property and rights under this Security Instrument; and (d) tahts such action as I.enda may reasonably require to assure that Leader's interest in the Property and rights under this Security Tustturucart, and Borrower's obligation to pay the sums secured by this Security .Instrument, shall continue unchanged. Lender may xegrrire that Borrower pay such reinstatement sums and expenses in one or more of the following farms, as selected by Lender. (a) cash (b) money order; (c) ccrtWW check, bank cluecit, treasurer's check of cashier's check, provided any such check is drawn up= an institution whose deposits art insured by a &deal agency. znsuumentality or entity; or (d) E kctronic 'Amds Transfer. Upon reinstatement by Borrower, this Security Imtrura t and obligations secured hereby shalt remain fully effective as if no acceleration had occurred. However, this right to rd stw shalt not apply in the case of acceleration under Section 18. 20, Sale of Note; Change of Loan Service3r; No&e or Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more tires without prior notice to Borrower. A sale might result in a change in the entity (Imown as the '7 = Servicee) that cohorts Periodic Payments due undo the Note and this Security Insirumcut and peforrus other martMe. loan senrvicotg obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more'dsanges of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer. Boavwer will be given Written notice of the change which will state the name and address of the new Loan Setvicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thetwits the Lawn is serviced by a Loan Servicer other them the purchaser of the Note, the mote loan servicing obligations to Borrower will =in with the Loan Servicer or be ttansfcnred. to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be ,joined to any judicial action (as tither an individual litigant or the member of a elAes) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party bas breeched any provision of, or• any duty owed by reason of, this Security Instrument, until such Borrower or LaxW has notified lee other party (with such nature given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take caxective action If Applicable Law provides a time period which most elapse before certaia action can be t Am, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given m Borrower pursuant to Section 22 and the notice of accelmdon given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to rage corrective action provisions of this Section 20. 2L Enrardous Substancee& As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene other flammable or toxic petroleum products, troar pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive mat©rials•, (b) "Environmental Law" means federal lawg'and laws of the junction where the Property is located thatzelate to hearth, safety or environmental protection; (e) "Envuoniamol Cleanup" includes any response action, remedial act ion, or removal auction. as defined in Environmental Law; and (d) an 'Environmental Condition" means a condition that can cane, connibu'.e to, or otherwise trigger an Environmental Cleanup. 4ft-GA(PA) {osw) Pope 0 of Is Fort 9039 1101 BK l 1705 Borrower shall not cause'or permit the presence, use, disposal, age, or release of any Hazardous Substances. or thnatm to release any Hazardous Substances, on or in the Propany. Borrower Shan not do, no allow anpone'eJse to do, aarythitng affecting the Pro (a) that is in vicladon of any Environmental I.aw, (b) which an Environmental Condition, orcwhich, doe to the ce, ease, or mleax of a Hazardous Sabstaace, cres0es a oxxutitir�n that adversely affxts the value of the 'Fite pmoeding two serateraceS shall not apply to the presence, use, err stma�e ore the Property of �aantWw of Hazardous Subsaana s that are generally recogtured to be m noutrtai racsadeeatial uses and to maintenance of the Property ( mcluding, but not lhnrted to, hbsatauces in coa4nmer products)- Bormwar shall promptly give I.eudet wtitieu nofice of (a) any investigation, daim, demand, lawsuit m other action by any governmental or regulatory agency as private party involving the Property and any Hazardous Substance or Environmental Law of . which Borrower has knowkdge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence. use or release of a Hazardous Substance which adversely affects the vatic of the Property. H Boaower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower straIl promptly take an necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmentall Cleanup. NON- LMFORM COVENANTS. Borrower and Leader further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration fofiowing Borroveer's breach of any covenant or : in brie Instraiment (runt not prior to accelerafian render Section 18 unless Applic kI�.aw provides otherwise) Leader sJuM nobly Borrower of, among otlaahr thhagc (a) the default, (b) the adman regdred to care the deftalt; (c) whea the default must U rured; and (d) that failaare to cure the de&zk as WedGeed tray result in aeMwatiou of the sums secured by this Seamy InstrumAnt, faredom re by jadidal proceeding and sale of the Leader shaft further inform $orrowea� of the rght 0 rehoWe after acuktatba aml the Propert in the fraedosare proceeding the nom -er Wwa of a de icalt or any odw del nvm �orrower to acceleration and foreclosure. N the detain is not caned as specified, Lender at fts option may require immediate payment in full of all sma secured by this �S�tltInshrrm witlw farthie r demmaad and may forerloee this Secu riity butrament by j amaal p Leer shall he eniftled to collect 0 egmases inured oaed U& red in pursuing the riet provided in 22, iwding, but not 1haked tea, attorneys' 'fees and costs of Wk evidcact tb the pmnkted b3' AppiwSblELaiw. 23. Rdeaae. Upon payment of an. sums secured by this Security Instrument, this Security Instrument and the estate conveyqed shall terminate and become void. After such oocurreoc e, Fender shall discharge and sfy sam this S= Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this S�.y Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the wnent permitted by Applicable Law, waives and rrkascs any error or defects in puviceedings to enforce this Seaarrty Instrument, and heaeb waives the benefit of any present or future laws paroviding for stay of execution, extension of time, exemption from atsichmcant, levy and sate, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security InstrumenL 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is leant to Borrower to acquire tide to the Property; this Security Instrument shall be a purchase money mortgage. 27. Interest Itate Allier Judgneat. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an faction of mortgage foreclosure shall be the rate payable from time to time under the Note - Inlllats: I� . �.6w(PA) jowl) Page 14 of 16 Fagg 3039 1101 6K I 978PG 1 706,= BY SIGNING BEMW, Bormwer a=ptc and agrees m the teems and covenwts contained in h%b Security Instrlrment and in any Rider executed by Borrower and recorded with iL Witnesses: (Seal.) PAUL A KAUFMANN Borrower (Sed) MARY KAUFMAN - Borrower (Seal.) (seat) - Borrower - Borrawer (sc (sue $onoaver Borrower (Seal) (Sean - Bormmer Borrower - GA (PA) (05e8) Page 16 of to Form 3036 1 /01 W1978PG1 707 COMMONWEALTH OF MNSYLVANIA, C~hi r1A+oACounty ss: On this, the 13th day of December, 2006 , before me, the undersigned officer, Pawky PAUL R KAUFMANN MARY ANN KAUFMANN known to me (or satisfactorily proven) to be the person(s) whose name(s) Ularo sub==bed to the within instrument and acknowk that he A44hey executed the satne for the purposes herein contained. IN WITNESS WHLRBOF, I hereunto set my hand and official seal. my Commission Expires_ `vw wrrah..r� � t►,ptta� a � � U L c t�to. ---J - C.aton J+►! 23, 2t)f 0 Tide of Officer Cerfficate of Residence I, M ici4A L - 46 14>LS < , do hereby certify that the correct address of the within-named Mortgagee is P.O. Boa 2026, Flint, MI 48501 -2026. Witness my hand this 13th day of December, 2006 Ageat of Mw gager Initials: R k 4ft- GA(PA) (oboe) Page is of 16 Form 8089 1101 BKI978PG1708 EXHIBIT D ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717 -240 -6370 4 Instrument Number - 200900697• Recorded On 1/9/2009 At 11:35:06 AM Total Pages - 4 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 35075 User ID - RAK Mortgagor - KAUFMANN, PAUL R * Mortgagee - LNV CORPORATION INC ' Customer - MGC MORTGAGE * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS /ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $1 0.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $37.00 I Certify this to be recorded in Cumberland County PA �,� �► cv�,8� 4 RECORDER O D EDS rrso * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OOOEB8 �Il�IIIII {i111ii4111111111i1 This Document Prepared By and OOOEB$ After Recording Please Return To MGC MORTGAGE, INC. Attn: Allison Martin, Manager Document Control P.O. Box 251686 Plano, TX 75025 -9933 BC ## 624402 ASSIGNMENT OF MORTGAGE APN Na: Grantor: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. 1595 Spring Hill Road, Suite 310, Vienna, Virginia 22182 Grantee: LNV CORPORATION INC. 7195 Dallas Parkway, Plana, Texas 75024 Property Address: 6 Village Road, Camp Hill, PA 17011 C do certify that the preeise address of the within named (Grantee /Grantor, Assignor /Assignee and Mortg cc) is correct. ^ Allison Martin, Document Control Manager, MGC Mortgage, Inc. P.O. Box 251656 Plano, TX 75025 -9933 (469) 229 -8600 BC: 624402 ASSIGNMENT OF MORTGAGE THIS ASSIGNMENT OF MORTGAGE (this "Assignment") is made by MORTGAGE -ELECTRONIC REGISTRATION SYSTEMS, INC. ("HERS ") as nominee for Lender and Lender's successors and assigns, who is organized and existing under the laws of Delaware and whose address is 1595 Spring Hill Road, Suite 310, Vienna, Virginia 22182 ( "Assignor "), to and in favor of LNV CORPORATION, INC., whose address is 7195 Dallas Parkway, Plano, Texas 75024 ( "Assignee "), pursuant to the terms of that certain Amended and Restated Flow Mortgage Loan Purchase and Interim. Servicing Agreement, (the "Purchase Agreement "), effective April 29, 2003, between RESIDENTIAL FUNDING COMPANY, LLC and LOAN ACQUISITION CORPORATION. THIS ASSIGNMENT WITNESSES THAT, in consideration of Ten Dollars ($10.00) and other good and valuable consideration paid by Assignee, Assignor hereby assigns, transfers, sets over and conveys to Assignee and its successors and assigns, without recourse and without representation or warranty, whether express, implied or created by operation of law, except as expressly set forth in the Purchase Agreement, the following: I. that certain Mortgage from Paul R Kaufmann, Husband, and Mary Ann Kaufmann, Wife, dated December 13, 2006, and recorded January 4, 2007, in Book 1978, at Page 1693, as Instrument No. n/a, in the Clerk's Office of the County of Cumberland, State of Pennsylvania, (the "Mortgage "), which Mortgage secures that certain Promissory Note dated December 13, 2006, in the original principal amount of $171,800.00, executed by Paul R. Kaufmann and Mary Ann Kaufmann and payable to the order of Mortgage Lenders Network USA, Inc,, as modified or amended (the "Note "); 2. such other documents, agreements, instruments and other collateral that evidence, secure or otherwise relate to Assignor's right, title or interest in and to the Mortgage and/or the Note and/or the loan evidenced by the Note, including wi #hout limitation the title insurance policies and hazard insurance policies relating thereto that are in effect. r IN WITNESS WHEREOF, Assignor has caused this Assignment ` be ecuted and delivered by its Authorized Representative as of the day of 2008. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. z r By. (�'��� WI NSS: mie Fisher Name: Carol Chapman Ti elen yle ACKNOWLEDGMENT STATE OF IOWA § COUNTY OF BLACK HAWK § Before me, the undersigned, a Notary Public, on this day personally appeared Carol Chapman, who is personally well known to me (or sufficiently proven) to be the- Mapagor, of Mortgage Electronic Registration Systems, Inc. and the person who executed the foregoing instrument by virtue of the authority vested in him/her, and he/she acknowledged to me that he /she executed the same for the purposes and consideration therein expressed and in the capacities therein stated. Given under my hand and sea] this �_ day of , 2008. saur NEWN Notarld seat - towa Sally Nels Commission # 222 d MyCommisslonEXPIres :)b- Notary Pub 'c, State of Iowa My commission expires: A F F I X NOTARY SEAL EXHIBIT E Closing USA, LLC as agent for Lawyers finis Insurance Corp COMMITMENT FOR TITLE INSURANCE LEGAL DESCRIPTION THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THE CITY OF CAMP HILL, TOWNSHIP OF LOWER ALLEN, COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA, TO WIT: ALL THAT CERTAIN PIECE OR PARCEL OF LAND, SITUATE IN THE TOWNSHIP OF LOWER ALLEN, COUNTY OF CUMBERLAND, AND STATE OF PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE WESTERLY. SIDE OF VILLAGE ROAD, SAID POINT BEING THE DIVIDING LINE BETWEEN LOTS NOS. 21 AND 22 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE IN A WESTERLY DIRECTION ALONG SAID DIVIDING LINE, ONE HUNDRED TWENTY (120) FEET TO LOT 140.46 ON SAID PLAN; THENCE IN A $OUTHERLY DIRECTION ALONG LOTS NOS. 46 AND 47 ON SAID PLAN, SIXTY (60) FEET TO LOT NO. 23 ON SAID PLAN; THENCE IN AN EASTERLY DIRECTION ALONG LOT NO. 23 ON SAID PLAN, ONE HUNDRED TWENTY (120) FEET TO VILLAGE ROAD; THENCE IN A NORTHERLY DIRECTION ALONG VILLAGE ROAD, SIXTY (60) FEET TO THE PLACE OF BEGINNING. BEING LOT NO. 22, PLAN OF HIGHLAND VILLAGE, LOWER ALLEN TOWNSHIP, AS RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 3, PAGE 98, HAVING THEREON ERECTED A TWO STORY DWELLING HOUSE KNOWN AND NUMBERED AS 6 VILU%GE ROAD, CAMP HILL, PENNSYLVANIA, TAX ID #; 13- 23-0547 -445 BY FEE SIMPLE DEED FROM JOSEPH F. BRELSFORD AND LESUE A. BRELSFORD, HIS WIFE AS SET FORTH IN DEED BOOK T 34, PAGE 7i4 AND RECORDED ON 911011990, CUMBERLAND COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY. THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE. I Cedify this to be recorded In Qmbebnd Cowty PA Recorder of Deeds EXHIBIT F j i PENNSYLVANIA HOUSING FINANCE AGENCY ROMEOWERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM Date: July 29, 2013 Page 1 of 6 Paul R Kaufmann MS1720 6 Village Rd Camp Hill PA 17011 - FIRST CLASS MAIL Loan Number: ACT 91 NOTICE T AKE ACT ION TO SATE YOUR HC�� FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided la the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEXAP) may be able to help to save your home. This Notice explains how the program works. To see if LWJAP can help, you mus MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet wl th the Counseling .Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsy. Housing Finance Agency toll free at 1 -800- 342 -2397. (Persons -with impaired hearing can call (717) 780 -1869) . This Notice contains important legal information. If you have any questions,'representatives at the Consumer _ Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The focal bar association may be able to help you find a lawyer. QL133 /DKI July 29,-2013 Page 2 of &; Loan Number: LA NOTIFICACION EN ADJ[JNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LIAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMN LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMTR SU HIPOTECA. HOMEOWNEA'S NAME(S): PAUL 'k KAUFMANN MARY ANN KAUFMANN PROPERTY ADDRESS: 6 Village Rd Camn Hill PA 17011 LOAN ACCT. NO.: _ ORIGINAL LENDER: MORTGAGE LENDERS NETWORK USA, INC CURRENT LENDER /SERVICER: LNV CORPORATION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FIMANCIAL ASSITANCE WHICH CAN SAVE YOUR HakW FROM FORECLOSURE AND HELD YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TMdPORARY STAY OF FORECLOSURE - Under the Act, you are entitled -to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to -face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE nITE OF MIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. QL130 /DKI July 29, 2013 Page 3 of 6; Loan Number: CONSM -MR CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR JWRTC%UW ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the might to,apply for financial: assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies .fisted at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A IEIAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS Or THAT METING, THEN THE .TENDER WILL BE TEMPORARILY PREVENTED FRCI STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVS, IN THE SECTION CALLED 11 7El4PORARY STAY OF FORECLOSURE. " YOU RAVE THE RIGHT TO FILE A M20P APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROW STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEF02W A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANT<RUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) QL130 /DKI Page 4 of 6 Loan Number: NOW TO CURE YOOR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The .MORTGAGE debt held by the above lender on your property located at: 6 Village Rd Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT because. A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS fox the following months and the following amounts are now past due: Total of monthly payments from: 04 -01 -13 Total Principal and Interest: $ 5,781.12 Escrow /Impound: $ 1,105.72 Accrued late charges: $ 763.94 BPO /Appraisal, if coded separately: $ 0.00 Property Inspections, if coded separately: $ 187.00 Corporate Advances: $ 95.00 NSF charges: $ .00 Less: Suspense Balance (unapplied funds) $ .00 TOTAL AMOUNT OF DELINQUENCY: $ 7,932.78 TOTAL AMOUNT PAST DUE: $ 7,932.78 NOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice :BY PAYING THE TOTAL ANOUST PAST DUE TO THE LENDER WHICH IS $ 7,932.78, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: LENDER NAME: MGC Mortgage, Trio ADDRESS: 1 Corporate Drive, Suite 360, Lake Zurich, YL 60047 TF YOU DO NOT CORE THE DEFAULT - If you do not cure the default within T1IIRTY (30) DAYS of the date of this Notice, the Zender intends to exercise its rights to aceellezate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due QL1311DKI July 29, 2013 Page 5 of 6 Doan Number: immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF TZW MORTGAGE IS FORECLOSED UPON- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you vi2l not be required to pay attorney's fees. OTHER LENDER FAMDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RZGST TO GORE TAE DEFAULT PRIOR TO SRERIZF7 SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's sale as specified in writing by the lender and by performing any other requirements under the mortgage. curing your default in the mariner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SMRIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual.date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. QL131 /DKI July 29, 2013 Page 6 of 6 Loan Number: ; HOW TO CO ACT THE LEADER: Name of L der: LNV CCRPORATION Address: Corporate arive, Suite 360, Lake Zurich, IL 60047 Phone N er: 1 -800 -6 -0340 Fax Numbe : 1- 847 - 57.8330 Contact Person: Colle ions Department Email Add ess: Collec onsProxyODMICorp.com EFFECT OF SHERXFFIS SAX - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you corkinue to live in the property after the Sheriff's Sale, a lawsuit to reubve you and your furnishings and other belongings could be started by tt. lender at any time. (CHECK ONE) ASSUMPTIOX OF MORTGAG You(X) may or( )may not sell or transfer your ome to a buyer or transferee who will assume the mortgage d t, provided that all the outstanding payments, charges and ttorney's fees and costs are paid prior to or at the sale and th the other requirements of the mortgage are satisfied. Y07 MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPER TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM OTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAUIT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LEEDER. - TO SEEF PROTECTION ER THE FEDERAL BANKRUPTCY LAW. CON UMER CREDITOUNSELING AGENCIES SERVING YOUR COUNTY Please see attached li t for Cumberland county. QL132 /DKI i Foreclosure Mitigation Counseling PENN SY LVANIA MQ US IN4 INANCE A a INCY Initiative Agencies Agencias PartIcIpante a quo Aconseja on Mitigacibn contra la EJscucl6n de una Hipoteca -M -- Cumberland County - CCCS of western PA 114 N Hanover St Cartlete PA 17013 888.511.222 'CCCS of Western..PA - C reator Harrlsbur 2600 Unglestovm Rd; STE 312 Harrisburg PA 17110 888.511.2227 Pennsylvania Interfalth C ommunity Progr i no, Inc. 46 E High St Gettysburg PA 17325 717,33it.1518 i TJ NOW! F4 r more Intonnatlon, p uestlons, or concern regarding this list, contact PHFA at 1.Soo.S2Y.1174. T � l � 'Other tosatlons fallablo to serve you; Inquire wkh envy for more Information. Report last updated: 61;11201 Z 4:62:54 PM Page I of 1 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOYi 3 MORTOiAS ASSISTANCE PROGRAM Date: July 29, 2013 Page 1 of 6 Paul R Kaufmann MS1720 6 Village Rd Camp Hill PA 17011 - CERTIFIED MAIL Loan Number: ' ACT 91 NOTICE TAKE ACTION TO SAVE. YOB HOME FROM FORECLOSURE This is an official notice that the mortgage on your hom is in default, and the leader intends to foreclose. Specific information about the nature of the aTtfault is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if IMMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address acid phone number of Consumer Credit . Counseling Agencies ''serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsy±v -ania Housing Finance Agency toll free at 1- 800 -342 -2397. (Persons with impaired hearing can ca22 (717) 780-i This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. QL352 /DKI July 29, -2013 Page 2 of 6; Loan Number: LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES•AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION 013TENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO NENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNEVIS NAME(S): PAUL'R KAUFMANN MARY ANN KAUFMANN PROPERTY ADDRESS: 6 Village Rd Camn Hill PA 17011 LOAN ACCT. NO.: _ ORIGINAL LENDER: MORTGAGE LENDERS NETWORK USA, INC CURRENT LENDER /SERVICER: LNV CORPORATION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ]ELIGIBLE FOR FINANCIAL ASSITANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND .HELP YOU MAKE FUTUI4E MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1989 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE•PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING VINA•NCE AGENCY. TIIWORARY STAY OF bVRLCLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to -face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TSIS MEETING MUST OCCUR VXTHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. QL130 /DKI July 29, 2013 Page 3 of 6; Loan Number: CONSUMER CREDIT COUNSELING AAaWCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face--to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR WRTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific.information about.the nature of your default). You have the right to.apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP .APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITS A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE of THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT METING, THEN THE LENDER WILL BE TMWORARILY PREVENTED FMN STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED 11 7E2001ARY STAY OF PX)RECLOSURE. " YOU HAVE THE RIGHT To FILE A M30F APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FopECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIDE BEEF = A SHERIFF I S SASE, THE F01MCLOSDRE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requixements set forth above. You will be not.ifi.ed directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) QL130 /DKI Page 4 of 6 Loan Number: SOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF 2 1 1M DEFAULT - The .MORTGAGE debt held by the above lender on your property located at: 6 Village Rd Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS fox the following months and the following amounts are now past due: Total of monthly payments from: 04 -01 -13 Total Principal and Interest: $ 5,781.12 Escrow /Impound: $ 1,105.72 Accrued late charges: $ 763.94 8PO /Appraisal, if coded separately: $ 0.00 Property inspections, if coded separately: $ 187.00 Corporate Advances: $ 95.00 NSF charges: $ .00 Less: Suspense Balance (unapplied funds) $ .00 TOTAL AMOUNT OF DELINQUENCY: $ 7,932.78 TOTAL AMOUNT PAST DUE: $ 7,932.78 NOW TO CURD' TEE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING rRU TOTAL AMOUNT PAST DUE TO TIDE ZEN=, WHICH IS $ 7,932.78, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: LENDER NAME: MGC Mortgage, Ina ADLVXSS: 1 CorpoxAts Drsvie, Suite 360, Lake Zurich, TL 60097 rF YOU DO NOT CURE TSE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the Zeucder intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due QL1311DKI July 29, 2013 Page 5 of 6 Loan Number, immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGA60 IS FORECLOSED UPOM- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $ 50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER PMWDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE TRK DEFAULT PRIOR To SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. rAR&IEST POSSIBLE SHERIFF'S BALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual.date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. QL131 /DKI July 29, 2013 Page 6 of 6 Loan Number: HOW TO CO ACT THE LEADER: Name of L der: LNV C PORATION Address: Corporate Dr ive, Suite 360, Lake Zurich, IL 60047 Phone N or. 1-800-669 Fax Numbe : 1-847 -574 .8330 Contact Per son: Colle ions Department Email Add ess: Collec onsProxyODMICorp -com EFFECT OF SHERIFF'S SAX - You should realize that a Sheriff's Sale will end your owr rship of the mortgaged property and your right to occupy it. If you co inue to live in the property after the Sheriff's Sale, a lawsuit to re awe you and your furnishings and other belongings could be started by t lender at any time. (CHECK ONE) ASSUMPT103 OF MORTGAG You(X) may or( )may not sell or tyansfer your ome to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERIY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM PNOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGACE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DE ULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDINE OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. - TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LUDER. TO SEEE PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CON UMER CREDITCOUNSELING AGENCIES SERVING YOUR COUNTY Please see attached 1" t for Cumberland county. QL132 /DKI Toreclosure Mitigation Counseling ► NOU1 tNANCE AatNCT Initiative Agencies Agencies PwILIclpan quo Aconsela r an Mitigacibn contra IA EJecucibn de una Hipoteca T Cumberland County •CCCS of Wes PA 114 N Hanover St Carlisle PA 17013 898.511.2227 'CCCS of Western PA - C reater Harrlsbur 2000 Ungleslown Rd. STE 3 2 Harrisburg PA 17114 888.511.2227 Pennsylvania Interfaith C o rrimunity Progra i roe, Inc. 40 E High St Gettysburg PA 17325 717.334.1518 i �� NOTE: For Information, uasllons. or concems regarding this list, contact PHFA at 1.000.111=11M 'Other locations 4 ralloble to wr" u; Inquire with gwwy for more Infa mptlon. Report last updated: 6!111201 Z 4:02:54 PM Page 1 of 1 Page Pagel of 1 Recipent Details Shipped To Address: Billed To Address: 6 VILLAGE RD CAMP HILL PA 17011 US Shipment Details Loan #: Shipped Via: USPS Server PO #: First -Class Mail@ Shipment ID: 67055 Customer: Shipped Date: 07/30/2013 hipping Cost: 0.45 0.45 Status: Processed Accessorial:4.10 4.10 Other: 0.00 0.00 Partial Status: El Host Updated: C] Total Cost: 4.55 4.55 ASN Sent: [l i X Shipment Options Void Complete Shipment Reprint Documents Packages within Shipment �- Package ID (+ Waybill # status Attention To ( Receiver Phone 67055 71969003126000673404 Processed PAUL KAUFMANN http://dmipb 1 /SEND SUITE %20LIVE/ PROJECTS /page.aspx ?scriptsetid =0 &amp;pageid... 12/13/2013 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM Bate: July 29, 2013 Page 1 of 6 Mary Ann Kaufmann MS1720 6 Village Rd Camp Hill PA 17011 - FIRST CLASS MAIL Loan Number ACS' 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is In default, and the lender Intends to foreclose. Specific informations about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if aEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WXTHIN 33 DAYS OF THE DATE OF THXS NOTICE. Take this Notice With you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies servving your County are listed at the end of this Votice. If you have any questions, you may call the Pennsyv'vania Housing Finance Agency toll free at 1 -800- 342 -2397. (Persons with impaired hearing can call (717) 780-1869). This ?Notice contains important legal information. if you have any questions,'representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar assoc:.ation may be able to help you find a lawyer. QL135 /DKI July 29,-2013 Page 2 of 6; Loan Number: LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OSTENGA UNA TR.ADUCCION INMEDIATAMENTE LLAHANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGP.V% LLANADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUFDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PAUL 'k KAUFMANN MARY ANN KAUFMANN PROPERTY ADDRESS: 6 Village Rd Camn Hill PA 17011 LOAN ACCT. NO.: _ ORIGINAL LENDER: MORTGAGE LENDERS NETWORK USA, INC CURRENT LENDER /SERVICER: LNV CORPORATION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSITANGE FAICIT CAN SAVE YOUR IiOD:G: FROM FORECLOSURE AND HELP YOU MARE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE' PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIRES ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TMWCRARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to -face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. QL130 /DKI July 24, 2013 Page 3 of 6; Loan Number: CONSU;&m CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about,the nature of your default). You have the right to, apply for financi,4 assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and receives' within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FXXX A JMW APPLICATION AS SOON AS POSSIBLE. TF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS Or THAT METING, THEN THE FILER WILL BE 70MORARILY PREVENTED FRC1 STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMOPARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A REMAP APPLICATION EVEN BEYOND THESE TDW PERIODS. A LATE APPLICATION WILL NOT PREVILNT THE LENDER NRW STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEN t= A SHERIFF'S SALE, THE FORECLOMME WILL BE STOPPED. AG=ENCY ACTION - Available funds for emergency mortgage assistance axe very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requixements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) QL130 /DKI Page 4 of 6 Loan Number: SOW TO CURE YOUR MORTGAGE DEFAULT (Bring it: up to date) . NATURE or TFLE DEFAVzr - The.MORTGAGE debt held by the above lender on your property located at: 6 Village Rd Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Total of monthly payments from: 04 -01 -13 Total Principal and Interest: $ 5,781.12 Escrow /Impound: $ 1,105.72 Accrued late charges: $ 763.94 BPO /Appraisal, if coded separately: $ 0.00 Property Inspections, if coded separately: $ 187.00 Corporate Advances: $ 95.00 NSF charges: $ .00 Less: Suspense Balance (unapplied funds) $ .00 TOTAL AMOUNT OF DELINQUENCY: $ 7,932.78 I TOTAL AMOUNT PAST DUE: $ 7,932.78 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING TJW TOTAL AMOUNT PAST DUE TO Tar LENDER, WHICH IS $ 7,932.78, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: LENDER NAME: KGC Mortgage, Inc ADDRESS: 1 Corporate Drive, Suite 360, bake Zurich, ZL 60047 rF YOU DO NOT CURE TJW DZ7A - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the Zander intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due QL1311DKI duly 29, 2013 Page 5 of 6 _ Loan Number: immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE M0RTMOE IS FORECLOSED UPON- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $$0.00. Any attorney's fees will be add ?d to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTREA LENDER RMWDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SBERISF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIESr POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual.date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. QL131 /DKI July 29, 2013 Page 6 of 6 Loan Numb NOW TO CO ACT THE LEADER: Name of L der: LNV C PORATION Address: Corporate Drive, Suite 360, Lake Zurich, IL 60047 Phone N or 1 -800-61? -0340 Fax Numbe : 1- 847 -57 .8330 Contact Per son: Co21e ions Department Email Add ess: Collec onsProxy@DMICorp.com EFFECT OF HERIFF'S SAX - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you co inue to live in the property after the Sheriff's Sale, a lawsuit to reiTove you and your furnishings and other belongings could be started by t lender at any time. (CHECK ONE) ASSUMPTION OF MORTGAG You(X) may or( )may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YQ7 MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERIY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAUL CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU RE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONE STENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHE DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LU DER. - TO SEEF PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONS UMER CREDIT: OUNSELING AGENCIES SERVING YOUR COUNTY Please see attached 1 't for Cumberland county. QL132 /DKI i Foreclosure Mitigation Counseling N i OIL I I E& ►ENKAYLt1AN NQt1fIN'O NANCE wC[NCT Initiative Agencies Agencias Participant quo Aconsela on Mitigacibn contra Is EJecuci8n do una Hipotm Cumberland County `CCCS of Weeterrl PA 114 N Hanover St Carnets PA 17013 888.511.2227 'CCCS of Western .PA - C neater Harrisbu 2000 Ungteslown Rd; STE 5 2 Harrisburg PA 17114 888.411.2227 Pennsylvania Interfaith C ommunity Progra i ro, inc. 40 E High 5t Gettysburg PA 17325 717.334.1518 NOTE: Fa r more Infonnatlon, j uescona. or concerns m9arding this list, contact PHFA at 1.800.82Y.11 T4. w� -- 'Other locations 4 rallablo to serve u; Inquire with Nemy for more InfwMatlon. Report last updated: 6111 Q01 4:02 :64 PM Page 1 of 1 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM Date_ July 29, 2013 Page 1 of 6 Mary Ann. Kaufmann MS1720 6 Village Rd Camp Hill PA 17011 - CERTIFIED MAIL Loan Number: ' ACT 91 NOTICE TAKE ACTION TO SANE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific infoxmation about the nature of the default is provided in tl:e attached pages. The HOMEOWNER IS EMERGENCY MORTGAGE ASSISTANCE PROGRAM (IMMAP) may be able to help to save your home. This Notice explains hov the program works. To see if HEMP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address acid phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1 -800- 342 -2397. (Persons with imp aired hearing can call (717) 780-1869). This Notice container, important legal information. If you have any questlons,`representatives at the Consumer Credit Counseling agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. QL354 /DKI July 29 Page 2 of 6; Loan Number: LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAM& LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUFDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNERS NAME(S): PAUL 'k KAUFMANN MARY ANN KAUFMANN PROPERTY ADDRESS: 6 Village Rd Camn Bill PA 17011 LOAN ACCT. NO.: _ ORIGINAL LENDER: MORTGAGE LENDERS NETWORK USA, INC CURRENT LENDER /SERVICER: LNV CORPORATION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR 22WMC ASSTTANCE WHICH CAN SAVE YOUR ,ai W FROM FORECLOSURE AND HELP YOU kL XE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1989 (THE "ACT -), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TWWORARY STAY OF "RLCLOSURE - Under the Act, you are entitled.to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS BEETING MUST OCCUR WITHIN 2HIRTY -TJ0= (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. QL130 /DKI July 29 2011 Page 3 of 6; Loan Number: CONSDAM CREDIT cOUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face --to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the might to. apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed ficmeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies lasted at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF' THIS NOTICE AND FILES AN APPLICATION WITH PRFA WITHIN 30 DAYS Or THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FRCK STARTING A FOIWCLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEAPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TDO PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FFXK STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY T114 E BEF 0jW A SHERIFT" S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time xequirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BLU CONSIDERED AS AN ATTEMPT TO COLLECT THr DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) QL130 /DKI Page 4 of 6 Loan Number: HOW TO CURE YOUR MORTGAGE DEFAUS,T (Bring it up to date) . NATURE 01 TEW DEFAULT - The .MORTGAGE debt held by the above lender on your property located at: 6 Village Rd Camp Hill PA 17011 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Total of monthly payments from: 04 -01 -13 Total Principal and Interest: $ 5,781.12 Escrow /Impound: $ 1,105.72 Accrued late charges: $ 763.94 BPO /Appraisal, if coded separately: $ 0.00 Property Inspections, if coded separately: $ 187.00 Corporate Advances: $ 95.00 NSF charges: $ .00 Less: Suspense Balance (unapplied funds) $ _00 TOTAL AMOUNT OF DELINQUENCY: $ 7,932.78 TOTAL AMOUNT PAST DUE: $ 7,932.78 NOW To CURD THE =AULT - You may cure the default within THIRTY (30) DAYS of the date of this notice .BY PAYING THE TOTAL AMOUNT PAST DUE TO THE EN , WHICH IS $ 7,932.78, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH .BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: ZENDE2t NAME: KGC Mortgage, Ina ADI.�RES5: 2 Corporate D=ire, Sui 360, Zake Zurich, IL 60047 rF YOU DO NOT CURE THE DZIM - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the l ender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due QL131 1DKI July 29, 2013 Page 5 of 6 _ Loan Number, immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF TIN MORTC -ME IS FORECLOSED UPON- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the TS.IRTY (3p) DAr period, you will not be required to pay attorney's fees, OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. ArGST TO CURD THE DEFAULT PRIOR To SBERIBT'S SATE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's I Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs' connected with the .foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by pexforming any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. rARLIESr POSSIBLE SHERIFF'S SALE DAM - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual.date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. QL131 /DKI July 29, 2013 Page 6 of 6 Loan Number: FLOW TO CO ACT THE LEADER: Name of L der: Z" C PORATION Address: Corporate rive, Suite 360, Lake Zurich, XL 60047 Phone N er: 1 -800 -6 -0340 Fax Numbe : I- 847 -57 .8330 Contact Per son: Colle ions Department Email Add ess: Collec onsProxyODMICorp.com EFFECT OF SHERXFFIS SALE E - You should realize that a Sheriff's Sale will end your owdership of the mortgaged property and your right to occupy it. If you corkinue to live in the property after the Sheriff's Sale, a lawsuit to renove you and your furnishings and other belongings could be started by thg lender at any time. (CHECK ONE) ASSUMPTIO OF MORTGAG You(X) may or( )may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Y07 MAY ALSO HAVE THE RIGHT: TO SELL THE PROPER7Y TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE" RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAkULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONE STENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. - TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LUDER. TO SEEF PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONS UMER CREDITCOUNSELING AGENCIES SERVING YOUR COUNTY Please see attached li t for Cumberland county. i QL132 /DKI i Foreclosure Mitigation Counseling � f s Jk i E PENNSYLVANIA MOtrfIN'4 tNANCE r 49 "CT Initiative Agencies Agendas ParticIpanto s quo AconseJar on Mitigaci6n contra I* Ejecuci6n de una Hipoteca Cumberland County •CCCS of Wes PA 114 N Hanover St Carlisle PA 17013 888.511.2227 'CCCS of Wostern PA - C reater Harrisburg 2000 Ungtestovm Rd. STE 3 2 Harrisburg PA 1T110 888.511.2227 PenneVvanla Interfaith C ommunity Progn na, Inc. 4D E High St Gettysburg PA 17325 717.334.1518 i __ NOTE: F mom tnfonnatlon, ussllons, or concerns regarding this list, -contact PHFA at 1.500.622.1174. 1.500.622.1174. F 'Other locations i fallable to sews u• inquire with erw Tor more information. Report last updated: 81111201 Z 4:02;54 PM Page 1 of 1 Page Page 1 of 1 Recipent Details Shipped To Address: Billed To Address: 6 VILLAGE RD CAMP HILL PA 17011 US Shipment Details Loan #: Shipped Via: USPS Server PO #: First -Class Mail@ Shipment ID: 66856 Customer: Shipped Date: 07/30/2013 hipping Cost: 0.45 0.45 Status: Processed Accessorial:4.10 4.10 Other:0.00 0.00 Partial Status. Host Updated: ( Total Cost: 4.55 4.55 ASN Sent:] tXj Shipment Options Void Completpment Reprint Documents e Shi Packages within Shipment Package ID A Waybill # Status Attention To 1 Receiver Phone 66856 71969003126000671417 Processed MARY KAUFMANN E i f i i E http://dmipb 1 /SEND SUITE %20LIVE/PROJECTS /page.aspx ?scriptsetid =0 &amp;pageid... 12/13/2013 EXHIBIT G 12121010162013 Cumberland County Prothonotary °s Office Page 1 PYS510 Civil Case Print 2012 -00251 U S TREASURY DEPT (vs) KAUFMANN PAUL R ET AL Reference No. Filed. 1/20/2012 Case Type...... FEDERAL TAX LIEN Time.......... 2:25 Judgment...... 14799.36 Execution Date 0 /00 /0000 Judge Assigned.: Jury Trial.... Disposed DesC.:.. Disposed Date. 0 /00 /0000 ------------ Cas,..Q Comments ------- - - - - -- Higher Crt I.: Higher Crt 2.: General Index Attorney Info U S TREASURY DEPARTMENT PLAINTIFF PITTSBURGH OFFICE ROOM 808 1000 LIBERTY AVE PITTSBURGH PA 15222 9974 KAUFMANN PAUL R DEFENDANT 6 VILLAGE RD CAMP HILL PA 17011 7538 KAUFFMANN MARY ANN DEFENDANT 6 VILLAGE RD CAMP HILL PA 17011 7538 Judgment Index Amount Date Desc KAUFMANN 14799.36 1202012 TAX LIEN KAUFFMANN PAUL 14,799.36 1/20/2012 TAX LIEN * Date Entries 1/20/2012 FEDERAL TAX LIEN IN THE FIRST - 14799.36 - - - - - - - - - - - - - - - - - LAST ENTRY - - - - - - - - - - - - - - * Escrow Information * Fees & Debits Beg Bal P is /Ad End Bal FED TAX LIEN 16.50 16.50 .00 AUTOMATION FEE 5.00 5.00 .00 ------------------ - - - - -- ------ - - - - -- 21.50 21.50 .00 * End of Case Information 3460 Department of the Treasury - Internal Revenue Service Form 668 (Y)(c) IRay. February 2004) Notice of Federal Tax Lien Area: Serial Number For Optional Use by Recording Office WAGE & INVESTMENT AREA #1 Lien Unit Phone: (800) 829 -7650 - 842327812 As provided by section 6321, 6322, and 6323 of the Internal Revenue Code, we are giving a notice that taxes (including Interest and penalties) have been assessed against the following -named taxpayer. We have made c ° a demand for payment of this liability, but it remains unpaid. Therefore, -0 K c ' m ou there Is a lien In favor of the united States on all property and rights tom -� property belonging to this taxpayer for the amount of these taxes, and tv mac? additional penalties, Interest, and costs that may accrue. �a Name of Taxpayer PAUL R & MARY ANN KAUFMANN °--n Residence 6 VILLAGE RD cs CAMP HILL, PA 1701 -7538 IMPORTANT RELEASE INFORMATION: For each assessment listed below, unless notice of the lien is refi)ed by the date given in column (e), this notice shall, on the day following such date, operate as a certificate of release as defined in IRC 6325(a). x� 090 Tax Period Date of Last Dayy for [ unpaid Balance Kind of Tax Ending Identifying Number Assessment Refning of Assessment a (b) c (d) (e) O 1040 12/31/2001 XXX -XX -5223 09/05/2005 10/05/2015 1399.78 1040 12/31/2004 XXX -XX -5223 08/01/2005 08/31/2015 1385.07 1040 12/31/2005 XXX -XX -5223 05/29/2006 06/28/2016 2697.00 1040 12/31/2006 XXX -XX -5223 06/04/2007 07/04/2017 2504.46 1040 12/31/2007 XXX -XX --5223 02/22/2010 03/23/2020 1325.06 1040 12/31/2008 XXX -XX -5223 06/22/2009 07/22/2019 828.21 1040 12/31/2009 XXX -XX -5223 05/31/2010 06/30/2020 4659.78 Place of Fling Prothonotary Cumberland County Total $ 14799.36 Carlisle, PA 17013 This notice was prepared and signed at DETROIT, MT , on this, the 13th day of January 2012 Signature Title ACS W &I 11 -00 -0000 for DEBRA K. HUR.ST (800) 829 -7650 (NOTE: Certificate of officer authorized by law to take acknowledgment is not essential to the validity of Notice of Federal Tax lien Rev. Rul. 71 -456, 1871 - 2 C.B. 409) Part t • Kept By Recordinc Office Form 668(Y)Cc) IRay. 2 -20041 CAT. NO 60025X THE COURTS FORM 1 LNV Corporation IN THE COURT OF COMMON PLEAS 1 Corporate Drive, Suite 360 CUMBERLAND COUNTY, Lake Zurich, IL 60047, PENNSYLVANIA Plaintiff, Vs. CIVIL Paul R. Kaufmann 6 Village Rd Camp Hill, PA 17011, i c f , and Mary Ann Kaufman _X_ r i 6 Village Rd J " Camp Hill, PA 17011, k ' CD and o =� THE UNITED STATES OF AMERICA c/o the U.S. Attorney of the Middle District of ca Pennsylvania Federal Building, Suite 220 228 Walnut Street Harrisburg, PA 17108 Defendants i 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 within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. j etfully submitted- Date qRort W. Wi liams, Esquire Milstead & Associates, LLC 1 E. Stow Road Marlton, NJ 08053 856- 482 -1400 856- 482 -9190 (f) THE COURTS 1665 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: CUSTOMER /PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL O. 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 ❑ 34.29582 1666 THE COURTS 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 42: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2 nd Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payments Cable TV Child Sup ort/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 Ej No❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 34.29582 2 THE COURTS 1667 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 my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ 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)34.29582 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff , ,' 9 Jody S Smith 20/ Chief Deputy FE13 PH 3: 15 Richard W Stewart CUMBEk� Solicitor PENNSYLVANIA TY LNV Corporation Case Number vs. Paul R. Kaufmann (et al.) 2014-605 SHERIFF'S RETURN OF SERVICE 01/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: The United States of America, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 02/06/2014 11:40 AM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Paul Kaufmann, husband,who accepted as"Adult Person in Charge"for Mary Ann Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. RY' BURGE , i 02/06/2014 11:40 AM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Paul R. Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. I. RYAN BURGETT, • SHERIFF COST: $85.95 SO ANSWERS, February 07, 2014 RONf iY R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff gt Cti r,, e , r Jody S Smith 4011 FEg 25 P ; • Chief Deputy ClikIBERL4N{ Richard W Stewart �SY�V � ��, Solicitor PFN ANf * * A M E N D E D * * LNV Corporation Case Number vs. 2014-605 Paul R. Kaufmann (et al.) SHERIFF'S RETURN OF SERVICE 01/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law;states he made diligent search and inquiry for the within named Defendant to wit:The United States of America, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 02/06/2014 09:30 AM -The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Susan Melendez, Administrative Assistant, who accepted for The United States of America, at the Federal Building, 228 Walnut Street, Ste 220, Harrisburg, PA 17108. Jack R. Lotwick, Sheriff, Return of Service attached to and made part of the within record. 02/06/2014 11:40 AM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Paul R. Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. RYAN BURGETT, DEPU�( 02/06/2014 11:40 AM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Paul Kaufmann, husband, who accepted as"Adult Person in Charge"for Mary Ann Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. RYAN BURGETT, DEPUTY—` SHERIFF COST: $85.95 SO ANSWERS, X"} February 12, 2014 RONNY R ANDERSON, SHERIFF militt CT I e. $11 vriff Shelley Ruhl 11r `� Jack1eDuignan Real Estate Deputy A\`y1� •___ 'i Deputy O R1 /� Michael W. Rinehart Matthew L. Owens `� �,• Solicitor Assistant Chief Deputy Dauphin County 101 Market Street Harrisburg,Pennsylvania 17101-2079 ph:(717)780-6590 fax (717)255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania LNV CORPORATION VS County of Dauphin UNITED STATES OF AMERICA Sheriffs Return No. 2014-T-0312 OTHER COUNTY NO. 2014-605 And now: FEBRUARY 6, 2014 at 9:30:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to SUSAN MELENDEZ * 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at FEDERAL BLDG, 228 WALNUT STREET, STE 220 HARRISBURG PA 17108 ALSO SERVED COVER LETTER * ADMINISTRATIVE ASSISTANT Sworn and subscribed to So Answers, ! before me this 10TH day of February, 2014 A(:) `f7C___ r•� Sheriff o 0 auphin C nty, Pa. By / 0" COMMONWEALTH OF PENNSYLVANIA Dep Af heriff NOTARIAL SEAL De • : J FRUHWIRTH Karen M.Hoffman,Notary Public Sheriffs Costs: $41.25 2/4/2014 City of Harrisburg,Dauphin County My Commission Expires January 8,2018 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 34.29582 t-hE N.?,o-TH3NDiA';; 20ill APR 1 0 AN 10; 1 5 CUMBERLAND COUNTY Attorney for FUititie LVA NI A LNV Corporation 1501 WOODFIELD RD suite 60173 SCHAUMBURG, IL 60173, Plaintiff, Vs. Paul R. Kaufmann 6 Village Rd Camp Hill, PA 17011 and Mary Ann Kaufman 6 Village Rd Camp Hill, PA 17011, Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-605 Civil PRAECIPE FOR JUDGMENT, IN REM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Paul R. Kaufmann and Mary Ann Kaufman, Defendants, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $186,172.70 Interest 12/.11/13 through 04/10/14 5,545.43 TOTAL $191,718.13 I hereby certify that (1) the addresses of the Plaintiff and Defendants are as shown above and (2) that notice has been given in accordance A • h Rule 237.1 opy attache Rob rt W. Williams, Esquire Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: qt )0 tut ,114).S athel ek,i4 ',WALK, I IAA • I - II OA . "LAMA, ID MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff Our file number: 34.29582 LNV Corporation, COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, No.: 14-605 Civil Vs. Paul R. Kaufmann and Mary Ann Kaufman, Defendants TO: Paul R. Kaufmann 6 Village Rd, Camp Hill, PA 17011 Mary Ann Kaufman 6 Village Rd, Camp Hill, PA 17011 DATE OF NOTICE: February 27, 2014 THIS FIRM IS A DEBT COLLECTOR ATI EIVIPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to claims set forth against you. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer, this office may be able to provide you with infonnation about agencies that may offer legal services to eligible persons at a reduced fee or no fee. Page 1 of 3 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILS I EAD & ASSOCIA I ES, LLC By: Robert W. Williams, Esquire ID No. 315501 Attorney for Plaintiff Page 2 of 3 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Paul R. Kaufmann 6 Village Rd Camp Hill, PA 17011 LNV Corporation, Plaintiff, Vs. Paul R. Kaufmann, and Mary Ann Kaufman, Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-605 Civil NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Mary Ann Kaufman 6 Village Rd Camp Hill, PA 17011 LNV Corporation, ' COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY No.: 14-605 Civil Vs. Paul R. Kaufmann, and Mary Ann Kaufman, Defendants NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 34.29582 Attorney for Plaintiff LNV Corporation, COURT OF COMMON PLEAS Plaintiff, Vs. Paul R. Kaufmann and Mary Ann Kaufman, Defendants CUMBERLAND COUNTY No.: 14-605 Civil VERIFICATION OF NON-MILITARY SERVICE Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the above-captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendants are not in the Military or Naval Service of the United States or its Allies, and/or do not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Paul R. Kaufmann, is over 18 years' of age, . defendant, Mary Ann Kaufman, is over 18 years of age, . DATE: 101(1 Robe W Williams, Esquire Department of Defense Manpower Data Center Results as of : Apr-09-2014 09:32:52 AM SCRA 3.0 Status Report Pursuant to Service =bets Civil Relief Act Last Name: KAUFMANN First Name: PAUL Middle Name: Active Duty Status As Of: A -09-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA ' - NA . No NA This response reflects the individuals active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA ' - NA . No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA - No NA This response reflects whether the individual or his/her-unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. yeh Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center, 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 Department of Defense Manpower Data Center Results as of : Apr -09 -2014 09:33:24 AM SCRA 3.0 tus Report uant to Servicemerabers Civil Relief Act Last Name: KAUFMANN First Name: MARY ANN Middle Name: Active Duty Status As Of: Apr -09 -2094 On Active Duly On Active Duty Status Date Active Duty Start Date Active Duly End Date Status Service Component NA NA No NA This response reflects the individuals' active duty status based on .the Active Duty Status Date Left Active Duty Within 367 DayS of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Cat-Up to Active Duty on Active Duty Status Date Order Notification Start Dale Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty I Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duly status date as to all branches of the Uniformed Services (Army, Navy. Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his /her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff File No. 34.29582 LNV Corporation COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -605 Civil CIVIL ACTION Paul R. Kaufmann MORTGAGE FORECLOSURE Mary Ann Kaufman Defendants Vs. Plaintiff, CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendants, Paul R. Kaufmann and Mary Ann Kaufman on February 6, 2014 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit "A ". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities. Robert W. Williams, Esquire Attorney for Plaintiff Ronny R Anderson Sheriff Jody S Smith Chief Depu Richard W Stewart Solicitor SHERIFF'S OFFICE OF ~~M- `v ~ ERLAND CO � Y� -R— o ,� �0� /,, � — � %M/���m 11 " LNV Corporation vu Case Number 2014-605 SHERIFF'S RETURN OF SERVICE 01/31/2014 Sheriff Ronny R Anderson, being sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: The United States of America, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 02y06/2014 11:4VAM' Deputy R Burgett, being duly sworn according to law, served the re sted Notice of Residential Mortgage Foreclosure Diversion Program and Com \ irt)nK8nhgogoFunm|osuebyhanding a true copy to a person representing themselves to be Paul Kaufmann, husband, who accepted as "Adult Person in Charge" for Mary Ann Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. 02/06/2014 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: Paul R. Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. SHERIFF COST: $85.95 SO ANSWERS, February 07, 2014 RONNYR ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA LNV Corporation Plaintiff, vs. Paul R. Kaufmann Mary Ann Kaufman THE UNITED STATES OF AMERICA Defendants CIVIL ACTION NO.: 14-605 Civil PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of Cumberland County; 2. Against the Defendant(s) in the above -captioned matter; 3. and index this writ against the Defendant(s) as follows: Paul R. Kaufmann Mary Ann Kaufman Real Property involved: 6 Village Road Camp Hill, PA 17011 Amount Due Interest from 4/11/14 to Date of Sale at $45.83 per diem (6%) TOTAL (Costs to be added) DATE: / j COAL Li $191,718.13 Respectively submitted, Milstead & Associates, LLC Rob rt W. Williams, Esquire Attorney for Plaintiff 1 E. Stow Road Marlton, NJ 08053 Oil-//ta(e9W R744 AS' Lio9 C r - CO tad eye& Jka-tt. The following described real property situate in the City of Camp Hill, Township of Lower Allen, County of Cumberland, and Commonwealth of Pennsylvania, to wit: All that certain piece or parcel of land, situate in the Township of Lower Allen, County of Cumberland, and State of Pennsylvania, more particularly bounded and described as follows, to wit: Beginning at a point on the westerly side of Village Road, said point being the dividing line between Lots Nos. 21 and 22 on the hereinafter mentioned plan of lots; thence in a westerly direction along said dividing line, one hundred twenty (120} feet to Lot No. 46 on said plan; thence in a southerly direction along Lots Nos. 46 and 47 on said plan, sixty (60) feet to Lot No. 23 on said plan; thence in an easterly direction along Lot No. 23 on said plan, one hundred twenty (120) feet to Village Road; thence in a northerly direction along Village Road, sixty (60) feet to the place of beginning Being Lot No. 22, Plan of Highland Village, Lower Allen Township, as recorded in Cumberland County Recorder's Office in Plan Book 3, Page 98. Having thereon erected a two story dwelling house known and numbered as 6 Village Road, Camp Hill, Pennsylvania. Tax ID #: 13-23-0547-445 By fee simple deed from Joseph F. Brelsford and Leslie A. Brelsford, his wife as set forth in Deed Book T 34, Page 714 and recorded on 9/1011990, Cumberland County Records. Title to said Premises vested in Paul R. Kaufman and Mary Ann Kaufman, his wife by Deed from Joseph F. Brelsford and Leslie A. Brelsford, his wife dated 09/05/1990 and recorded 09/10/1990 in the Cumberland County Recorder of Deeds in Book 34, Page 714. Being known as 6 Village Road, Camp Hill, PA 17011 Tax Parcel Number: 13-23-0547-442 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 34.29582 FILED -OFFICE CUMBERLAND COUNTY PENNSYLVANIA LNV Corporation Plaintiff, vs. Paul R. Kaufmann Mary Ann Kaufman THE UNITED STATES OF AMERICA Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-605 Civil AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 LNV Corporation, Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 6 Village Road, Camp Hill, PA 17011: 1. Name and address of Owners(s) or Reputed Owner(s): Paul R. Kaufmann 6 Village Road Camp Hill, PA 17011 Mary Ann Kaufman 6 Village Road Camp Hill, PA 17011 2. Name and address of Defendant(s) in the Judgment: Paul R. Kaufmann 6 Village Road Camp Hill, PA 17011 The United States of America do the U.S. Attorney of the Middle District of Pennsylvania Federal Building, Suite 220 228 Walnut Street Harrisburg, PA 17108 Mary Ann Kaufman 6 Village Road Camp Hill, PA 17011 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: LNV Corporation (Plaintiff herein) 1501 Woodfield Road, Suite 60173 Schaumburg, IL 60173 Internal Revenue Service Department of Treasury 1000 Liberty Avenue, Room 112 Pittsburgh, PA 15222 Lower Allen Township Authority c/o Steven P. Miner, Esquire 1035 Mumma Road, Suite 101 Wormleysburg, PA 17043 Lower Allen Township Authority 120 Limekiln Road New Cumberland, PA 17070 4. Name and Address of the last recorded holder of every mortgage of record: LNV Corporation (Plaintiff herein) 1501 Woodfield Road, Suite 60173 Schaumburg, IL 60173 Pennsylvania Housing Finance Agency, a Public Corporation 211 North Front Street, P.O. Box 15530 Harrisburg, PA 17105-5530 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant 6 Village Road Camp Hill, PA 17011 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 Cumberland County Tax Bureau 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 Lower Allen Township Tax Office 2233 Gettysburg Road Camp Hill, PA 17011 West Shore School District 507 Fishing Creek Road P.O. Box 803 New Cumberland, PA 17070 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: 5/1k f)-0 Rob rt W. Williams, Esquire Attorney for Plaintiff MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 34.29582 HE' 1.1 F l 204 JUL 1 Of II: 18 CUNSERt PENNS AND V , NIA r i LNV Corporation Plaintiff, vs. Paul R. Kaufmann Mary Ann Kaufman THE UNITED STATES OF AMERICA Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-605 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 TAKE NOTICE: Your house (real estate) at 6 Village Road, Camp Hill, PA 17011, is scheduled to be sold at sheriffs sale on December 3, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $191,718.13 obtained by LNV Corporation. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find'ottt how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened, you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE, THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S) Paul R. Kaufmann Mary Ann Kaufman PLAINTIFF/SELLER: LNV Corporation DEFENDANT(S): Paul R. Kaufmann Mary Ann Kaufman THE UNITED STATES OF AMERICA PROPERTY: 6 Village Road Camp Hill, PA 17011 (Improvements erected thereon) JUDGMENT AMOUNT: $191,718.13 CUMBERLAND COUNTY No.: 14-605 Civil The above captioned property is scheduled to be sold at Sheriff's Sale on necember 3, 2014 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. Sincerely, Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton, NJ 08053 34.29582 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net LNV CORPORATION Vs. NO 14-605 Civil Term CIVIL ACTION — LAW PAUL R. KAUFMANN, MARY ANN KAUFMANN THE UNITED STATES OF AMERICA WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $191,718.13 L.L.: $.50 Interest FROM 4/11/14 TO DATE OF SALE AT $45.83 PER DIEM (6%) Atty's Comm: Atty Paid: $251.20 Plaintiff Paid: Date: 7/11/2014 (Seal) REQUESTING PARTY: Name: ROBERT W. WILLIAMS, ESQUIRE Address: MILSTEAD & ASSOCIATES, LLC 1 E. STOW ROAD MARLTON, NJ 08053 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. 315501 Due Prothy: $2.25 Other Costs: David D. Bue , Prothonotary By: Deputy MICHAEL L. BANGS, ESQUIRE Bangs Law Office, LLC 429 South 18th Street Camp Hill, PA 17011 (717) 730-7310 Supreme Court ID #41263 ATTORNEY FOR DEFENDANTS PAUL R. KAUFMANN and MARY ANN KAUFMANN LVN Corporation, ) IN THE COURT OF COMMON PLEAS Plaintiff ) OF CUMBERLAND COUNTY, ) PENNSYLVANIA vs. ) r, ) NO. 14-605 CIVIL c._t PAUL R. KAUFMANN and ) c -::- c MARY ANN KAUFMANN and ) CIVIL ACTION — MORTGA� -�' THE UNITED STATES OF AMERICA, ) FORECLOSURE Ncr' `v D c/o the U.S. Attorneyof The Middle -11 r" d District of Pennsylvania, ) Defendants ) A G r-, ca REOUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendants Paul R. Kaufmann and Mary Ann Kaufmann are the owners of the real property located at 6 Village Road, Camp Hill, Pennsylvania, which is the subject of this mortgage foreclosure action; 2. Defendants Paul R. Kaufmann and Mary Ann Kaufmann live in the subject real property, which is their primary residence; 3. Defendants Paul R. Kaufmann and Mary Ann Kaufmann have been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and have 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. We understand that false statements are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Signature of Defendan 's Co sel/Appointed Legal Reprgsentative t/' Paul R. Kaufmann )//2/4/ Date Date /11 I� — 1 - r 1 1 Mary Kaufmann Date MICHAEL L. BANGS, ESQUIRE Bangs Law Office, LLC 429 South 18th Street Camp Hill, PA 17011 (717) 730-7310 Supreme Court ID #41263 ATTORNEY FOR DEFENDANTS PAUL R. KAUFMANN and MARY ANN KAUFMANN LVN Corporation, Plaintiff vs. PAUL R. KAUFMANN and MARY ANN KAUFMANN and THE UNITED STATES OF AMERICA, c/o the U.S. Attorney of The Middle District of Pennsylvania, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND PENNSYLVANIA NO. 14-605 CIVIL COUNTY, 2 voo 3 z1,1 0 b CIVIL ACTION — MORTG FORECLOSURE CASE MANAGEMENT ORDER AND NOW this oZ&t( day of , 2014, Defendants Paul R. Kaufmann and Mary Ann Kaufmann/borrower in the above -captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that they have 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 �C '¢ y� �a� 02o/ y at 2:0d .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. LNV CORPORATION, : IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA vs. PAUL R. KAUFMANN and MARY ANN KAUFMANN, Defendant : CIVIL ACTION — LAW : NO. 14-605 CIVIL ORDER AND NOW, this 12th day of September, 2014, following conciliation, this matter is removed from the Cumberland County Residential Mortgage Foreclosure Diversion Program and the stay previously entered in this case is lifted. i71b<bert W. Williams, Esquire For the Plaintiff 4./‘chael L. Bangs, Esquire For the Defendant :rlm co_ n1;1 LECL 9//a1/,1 .7.741/11 BY THE COURT, (--) t.0 CD `-'11 .7,1* cr MILSTEAD & ASSOCIATES, LLC ' B''{: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File No. 34.29582 LNV Corporation, Plaintiff, vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-605 Civil Paul R. Kaufmann and ; AFFIDAVIT PURSUANT TO Mary Ann Kaufman Pa.R.C.P. 3129.2 and THE UNITED STATES OF AMERICA Defendants I, Robert W. Williams, Esquire, say: 1. On September 29, 2014, a copy of the Notice of Sheriffs Sale of Real Property was served upon the defendant, Paul R. Kaufmann, by the Sheriffs Office of Cumberland County. Copies of the Sheriffs returns are attached hereto and made a part hereof as Exhibit "A". 2. On August 11, 2014, a copy of the Notice of Sheriff's Sale of Real Property was served upon the defendant, Mary Ann Kaufman, by certified mail, return receipt requested. A copy of the signed certified card by her attorney, Michael L. Bangs, Esq., is attached hereto and made a part hereof as Exhibit "B". 3. On July 28, 2014, a copy of the Notice of Sheriffs Sale of Real Property was served upon the defendant, THE UNITED STATES OF AMERICA, by the Sheriffs Office of Cumberland County. Copies of the Sheriff's returns sare attached hereto and made a part hereof as Exhibit "C". 4. On October 7, 2014, a notice of Sheriff's Sale was served upon lien holders of record and interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and made a part hereof as Exhibit «D„ I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsification to authorities. Dated: Ro, ert W. Williams, Esquire Attorney ID No. 315501 Milstead and Associates, LLC EXHIBIT "A" Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY LNV Corporation vs. Paul R. Kaufmann (et al.) Case Number 2014-605 SHERIFF'S RETURN OF SERVICE 09/29/2014 07:01 PM - Deputy Christopher Sharpe, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 6 Village Road, Lower Allen - Township, Camp Hill, PA 17011, Cumberland County. 09/29/2014 07:01 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Paul R. Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011, Cumberland County. 10/28/2014 12:46 PM - Deputy Shawn Gutshall, being duly sworn according to law, attempted service to the Defendant, to wit: Mary Ann Kaufmann at 6 Village Road, Lower Allen Township, Camp Hill, PA 17011. The address was found to be vacant. SHERIFF COST: $983.02 SO ANSWERS, October 29, 2014 RONNf R ANDERSON, SHERIFF EXHIBIT "B" alotus 2QQQ 48&5 79 3. Service Type CERTIFIED MAIL 1 4. Restricted Dellvery? (Extra Pee) 1. Article Addressed lo: Oyes s Paul R. Kau.ffinan & Mary Ann Kauffm C/o Michael L. Bangs, Esqufre 429 S. 19th Street Camp PA 17011 I. e ere cii_L_.a..t/a_Ilmzi_lt_ion 34.29582/ NOS JSC EXHIBIT "C" B&B: ,Services for Professionals Incl LNV Corporation -vs- Paul R. Kaufmann., et al 235 SOUTH 13TH STREET PHILADELPHIA, PA 19107 PHONE: (215) 546-7400 FAX: (215) 985-0169 National Association of Philadelphia Association Professional Process Servers of Professional Process Servers COURT Court of Common Pleas of Pennsylvania COUNTY Cumberland County CASE NUMBER 14-605 Civil AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA: COUNTY OF PHILADELPHIA: B&R Control # CS116055 -1 Reference Number 34.29582 SERVICE INFORMATION On 23 day of July, 2014 we received the Notice of Sheriff Sale for service upon The United States of America c/o the U.S Attorney of the Middle District of at Pennsylvania Federal Building, Suite 220 228 Walnut Street Harrisburg, PA 17108 Special Instructions *** Served Date 0 1 \ -- j 4 Time p; 4o Accepted By: .1 S [tir l e2_„ In the manner described below. L_; Personally served. Adult family member. Relationship is Adult in charge of residence who refused to give name and/or relationship. Manager/Clerk of place of residence lodging Agent or person in charge of office or usual place of business Other Description of Person Age 50._— Height 5t bL Other .A.cz t C Ti Not Served Date Time Not Served Information 1.-1 Moved pi Unknown [11 No Answer The Process Server, being duly sworn, deposes and says that the facts set forth herein are true and correct to the best of their knowledge, information and belief. Process ServerfS ier+ff Law Firm Phone (856)482-1400 James Scaflde Milstead and Associates 1 East Stow Road Marlton, NJ 08053 Cn.r�l�tiY�tS{- Weight l 30 Race (Lit(I k. Sex-Vt L_ Vacant El Other COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Brittany Edcius, Notary Public Lower Paxton Township, Dauphin County mmission expires April 11, 2018 Sworn to and subscribed before me this I day of 7,41 �f Notary Public ServeBy Date 8/22/2014 Filed Date sale date 12/3/2014 ( PIC�IMAI 204DB - EXHIBIT "D" NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL _ CHECK APPROPIATE 81 MILSTEAD & ASSOCIATES, LLC 1 East Stow Road Marlton, NJ 08053 X Certificate Mailing 0 Insured ❑ COD 0 Certified Mail Registe 0 Witi'L 0 Wltl4.""��°"� R: . 3; 1!.. =ryk" ` � ° ll ; ,;- w' p 0 .11, ; 000 11 730 IAILEO rIZOp;1 r i gar_ x oaf as yrs jq %m . IP %i0C ? rte - - `10.:, 3 'as certificate of 'poles of this bill. , Line Number of Article Name of Addressee, Street, and Post -Office Address Postage Fee HandlingAct Charge Valui • (If Regi ' . Zest. Del. Fee Remarks 1 LNV Corporation (Plaintiff herein) 1501 Woodfield Road, Suite 60173 Schaumburg, 11, 60173 2 internal Revenue Service Department of Treasury 1000 Liberty Avenue, Room 112 Pittsburgh, PA 15222 3 Lowcr Allen Township Authority c/o Steven P. Miner, Esquire 1035 Mumma Road, Suite 101 Wormleysburg, PA 17043 4 Lower Allen Township Authority 120 Limekiln Road New Cumberland, PA 17070 6 Pennsylvania housing Finance Agency, a Public Corporation 211 North Front Street, P.O. Box 15530 Harrisburg, PA 17105-5530 6 Tenant/Occupant 6 Village Road Camp Hill, PA 1701.1 - •! 080...;,.--, 4 , 7 Commonwealth of Pennsylvania= Department of Welfare P.O.13ox 2675 Harrisburg, PA 17105 • j re� ;-,_ %; r' `' . 41' 8 Cumberland County Tax Bureau 21 Waterford Drive, Suite 201 Mechanicsburg, PA 17050 "`.. 9 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 10 Lower Allen Township Tax Office 2233 Gettysburg Road Camp Hill, PA 17011 Total Number of Pieces Listed by Sender 10 n. Tr1TIRA 9MbY 11. ^ _„ / �' \ �_..�_____ POSTMASTER, PER (Name of receiving employee) Nnonnegotiable / The full declaration of value Is required on all domestic and International registered mall. The maximum indemnity payable for documents under Express Mail document reconstruction Insurance is $50,000 per piece subject to a limit of $50,000 per occurrence. The maximum indemnity payable on Express Mail merchandise insurance Is $500. The maximum indemnity payable is $25,000 for Registered Mail, $500 for COD and $500 for Insured Mall. Special handling charges apply only to Third- and Fourth -Class parcels. Special delivery service also Includes special handling service. Page 1 of 2 SALE SCHEDULED 12/3 NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPROPIATE BLOCK FOR POSTMARK AND DATE OF RECEIPT MILSTEAD & ASSOCIATES, LLC 1 East Stow Road Marlton, NJ 08053 X Certificate Mailing 0 Insured 0 COD 0 Certified Mall Registered Mail: ❑ With Postal In, 0 Without Post jai �� p Axv.fi 'L , 02 ., 4:<ti00t.i r, qtt �'rr I Affix stamp -",—, f ,.t Oro Fi r+n4 here nr for 4' < a,S OC,' ir, COD: if issued additional , 7 , 08053 as certiflcete of copies of this bill. Line Number of Article Name of Addressee, Street, and Post -Office Address Postage Fee Handling Charge Act. Ike Value (If Regis.) :.Fee aaz�ux° !�S 1 West Shore School District 507 Fishing Creek Road P.O. Box 803aH New Cumberland, PA 17070 f j 0 f s 2 3 4 6 6 7 tl,, ! l `_ 8 ,3 ,. 'o 0 '.. 9 10 Total Number of Pieces Listed by Sender 1f POSTMASTER, PER (Name of receiving employee) The full declaration of value Is required on all domestic and international registered mail. The maximum indemnity payable for nonnegotiable documents under Express Mail document reconstruction Insurance is $50,000 per piece subject to a limit of $50,000 per occurrence. The maximum Indemnity payable on Express Mail merchandise insurance is $500. The maximum indemnity payable is $25,000 for Registered Mali, $500 for COD and $500 for Insured Mail. Special handling charges apply only to Third- and Fourth -Class. parcels. Special delivery service also includes special handling service. PS FORM 3877 Page 2 of 2 34.29582/Kaufmann Notice of Sale FOR REGISTERED, INSURED, C.O.D., CERTIFIED, AND EXPRESS MAIL SALE SCHEDULED 12/3