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HomeMy WebLinkAbout14-1045 Supreme Court of Pennsylvania Court of COI1111 o "Pleas For Prothonotary Use Only. Ci iI Cover Sheet Trl�f Docket No: U �j CUMBERLAND County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. '~ Commencement of Action: i S ❑ Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking EE E Lead Plaintiff's Name: Lead Defendant's Name: r C : RBS CITIZENS, N.A. NICOLE R. TEMPERATO " Dollar Amount Requested: ❑within arbitration limits I ; ` Are money damages requested? 0 Yes [3 No (check one) 0 outside arbitration limits O Is this a Class Action Suit? ❑ Yes 0 No Is this an MDJAppeal? ❑ Yes IM No `'A Name of Plaintiff /Appellant's Attorney: GREGORY JAVARDIAN ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability (does not include F, mass tort) ❑Employment Dispute: Slander/Libel/ Defamation Discrimination ❑ C !' ❑ Other. ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: I ❑ Other: 0 MASS TORT ❑ Asbestos N ❑ Tobacco ❑ Toxic Tort - DES ❑ Toxic Tort - Implant REA PROPERTY MISCELLANEOUS 1 ❑ Toxic Waste 13 Other: ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment B ❑ Ground Rent 13 Mandamus ❑ Landlord /tenant Dispute ❑ Non - Domestic Relations Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto k ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: k Updated 1 /1/2011 ti #� LAW OFFICES OF GREGORY JAVARDIAN , r GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 P j. s c f . j C AUNT y 1310 INDUSTRIAL BOULEVARD 1 ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF RBS CITIZENS, N.A. COURT OF COMMON PLEAS 10561 TELEGRAPH ROAD GLEN ALLEN, VA 23059 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY Vs. NICOLE R. TEMPERATO NO. 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 COMPLAINT IN DEFENDANT MORTGAGE FORECLOSURE NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT IBRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717- 249 -3166 S' 800 - 990 -9108 V 6 1 6l� {00064711 } t oat IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.0 § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WELL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. {00064711} LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1 ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF RBS CITIZENS, N.A. COURT OF COMMON PLEAS 10561 TELEGRAPH ROAD GLEN ALLEN, VA 23059 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY VS. NICOLE R. TEMPERATO NO. 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 COMPLAINT IN DEFENDANT MORTGAGE FORECLOSURE CIVIL ACTION MORTGAGE FORECLOSURE 1. RBS Citizens, N.A. (hereinafter referred to as "Plaintiff") is an Institution conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption hereof. 2. Nicole R. Temperato (hereinafter referred to as "Defendant ") is an adult individual residing at the address indicated in the caption hereof. 3. Plaintiff brings this action to foreclose on the mortgage between Defendant and itself as Mortgagee. The Mortgage, dated April 13, 2010, was recorded on May 4, 2010 in the Office of the Recorder of Deeds in Cumberland County Instrument Number 201011369. A copy of the Mortgage is attached and made a part hereof as Exhibit `A'. 4. The Mortgage secures the indebtedness of a Note executed by Defendant on April 13, 2010 in the original principal amount of $82,000.00 payable to Plaintiff in monthly installments with an interest rate of 5.375 %. A copy of the Note is attached and made a part hereof as Exhibit `B'. 5. The land subject to the mortgage is 34 Drexel Place, New Cumberland, PA 17070. A copy of the Legal Description is attached as part of the Mortgage as Exhibit `A' and incorporated herein. {00064711} Y 6. The Defendant is the Record Owner of the mortgaged property located at 34 Drexel Place, New Cumberland, PA 17070. 7. The Mortgage is now in default due to the failure of Defendant to make payments as they become due and owing. As a result of the default, the following amounts are due: Principal Balance $78,419.05 Interest to 2/1/2014 $3,161.25 Accumulated Late Charges $160.72 Property Inspections $59.50 Hazard Insurance $305.00 Taxes $314.37 Cost of Suit and Title Search $550.00 Attorney's Fees $1,300.00 TOTAL $84,269.89 plus interest from 2/2/2014 at $11.55 per day, costs of suit and attorney's fees. 8. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchase at Sheriff's sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 9. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Intention to Foreclose ( "Act 6 Notice ") 41 P.S. Section 403 and Notice of Homeowners' Emergency Mortgage Assistance ( "Act 91 Notice ") 35 P.S. Section 1680.403c. {00064711} 10. The Notice of Intention to Foreclose and Notice of Homeowners' Emergency Mortgage Assistance were required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendant by regular and certified mail on November 14, 2013. A copy of the Notice is attached and made a part hereof as Exhibit `C'. WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant, in the sum of 84,269.89 together with the interest from 2/2/2014 at $11.55 per day, costs of suit and attorney fees. LAW OFFICES OF GREGORY JAVARDIAN BY: IF Javardian, s uire Id. No. 55669 ❑Mary F. Kennedy, quire Id. No. 77149 DMeghan K. Boyle, Esquire Id. No. 201661 DSean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff {00064711) i s EXHIBIT `A' {000461531 �1 001 SQ9 Prepared By: Return To: CCO Mortgage P.O. Box 4060, Glen Allen, VA 23058 13 - a5 —G)c)33 - 0 0 4 U6 34 —1 Parcel Number: 13- 25- 8- 2A- uE -34 -1 Premises: 34 Drexel Place New Cumberland, PA 17070 - [Space Above This Line For Recording Dotal MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated April 13, 2010 , together with all Riders to this document. (B) 'Borrower" is Nicole R Temperato Borrower is the mortgagor under this Security Instrument. PENNSYLVANASingle Family- Farmie MadFredoo Mac UNIFORM INSTRUMENT Form 3039 1101 VMP® VMP6(PA) (08071 Wolters 19 wer Finanoid Services Page 1 of 1 Dos- otpa.l,rr (7109) i (C) "Lender" is RBS Citizens, N.A. Lender is a National Banking Association organized and existing under the laws of the United States of America Lender's address is One Citizens Plaza, Providence, RI 02903 Lender is the mortgagee under this Security Instrument. (D) 'Wate" means the promissory note signed by Borrower and dated April 13, 2010 The Note states that Borrower owes Lender eighty —two thousand and 00 /100 Dollars (U.S. S 82, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2040 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider El Condominium Rider 0 Second Home Rider Balloon Rider ® Planned Unit Development Rider 14 Family Rider VA Rider E1 Biweekly Payment Rider Other(s) [specify] (H) "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. (1) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (.1) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the F9JNSYLVANIASirgle Fenify- Fannie MWFreddie Mac UNIFORM INSTRUMENT Pori 3039 1101 VMPO Wolters ftwer Finaidel Services VM( Page 20 of o06- 02pa.uff (7109) d Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements tinder this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the county [Type of Recording Jurisdiction] of Cumberland [Name of Recording Jurisdiction]: which currently has the address of 34 Drexel Place [street] New Cumberland [City], Pennsylvania 17070- [zip Code] ( "Property Address "): PENNSYLVANIA -%V9 Family- Firmie Mee/ iWdle Mac UNIFORM INSfRUMBdr Forth 3039 1101 VMP® VMP6(PA) (0807 Kler ) wooers uw Anandal Services Pepe 3 of 17 1306- 03pa.utt (7109) TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." 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 will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow 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 other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender 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 Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments 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 PBdNSYLVANIASIngle Fernly -Fande MaerFreddie Mac UNIFORM INSTRUMENT Form 3039 101 woitem Kluwer Financial Services Page 6 of f DG"4pa.uff (7109) shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent 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 more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. 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. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds ") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, 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 unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items 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 has been waived by Lender and, if Lender 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 Instrument, 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 shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and PeCSYLVAMASingle Fanny- Fannie MeafFredde Mac UNIFOFN INSTRUMENT RKM 303 1101 vMP® VMFPap5 of 17 Walters KWwer Rna ciet Services D06- 05pa.uff (7109) w reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law.requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage 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 shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the 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, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all 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 Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is 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 Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any PENNSYLVAMA- ingle Fanly- Fannie Ma&Freddie Mae UNIFOFN INSTF UM9hrr Fonn 30391/01 VMP6(PA) (0807) W ofterrs IBUwer Fnauiel Services PageB Of 77 DO6- 06pa.uff (7109) ._....,mow.._......- ........- �-� >,�.« Ewa.++..».. w .n++ -- .+^....."^"....:,...,... _ .. .._... .. other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance.shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -tune charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If 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 shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice 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 shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to 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 series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If PB4NSYLVANIASmgle Fanfly-Fannie Meer "Wle Mw UNIFORM INSTRUMENT Form 3039 1101 VMP® vMP6(PA) (0907) Wolters Kluwer Financial Services Peke 7 01 17 t06- 07pa.uff (7109) A a the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair 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, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S. 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 information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. PENNSYLVANIASingle Family -Fmnie MaWFrade is Mac UNIFORM INSTRUMENT Fort 3039 1101 VMP® VMFB(PA) (090 f0u 7 Wolters wer Financial SaMees Papa B of 1) Do"Bpa.uff (7109) 9. Protection of Lender's interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the 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 appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated 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 Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non - refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non - refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and PBNNSYLVAMASirioa Family -Facie MadFreddie Mac UNIPOPM INSTRUMENT Form 3039 1101 VMP® VMP3(PA) ((0907) Wolters l0 wer Finacdal Services Page S of 77 D06- 09pa.ull (7109) Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection AM of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. PENNSYLVANIA-Single Fa ity -FenNe MaefFreddie Mac UNIFORM INSTRUMENT Form 3039 1101 VMP® VMP6(PA1(09071 Wafters I(Imer Finanaiei Services Page 0 of 17 D06- 10pa.uff (7/09) In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right 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 amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall 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 PENNSYLVANIASingle Family - Fannie MWFroddls Mac UNIFORM INSTRUMENT Form 3039 1101 VMp(!p VYIFB(PA) (0907) MR" KWwer Firwdal Services Page 1 t oT t 1 D06- 11pa.uff (7/09) } a Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer`s consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with 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, attorneys' 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 Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal 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 acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. PENNSYLVANIA-Single FamIly- Fannie MaWFtWdla Mao UNIFORM INSTRUMENT Form 3039 1101 VMP® V=%090' Wolters ftwer FnwdW Swicas 1 7 D06- 12pa.uH (7109) s 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender 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 Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, Interest in the Property means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if 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. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon PENNSYLVAMASin01e FanflyFainie MaefFreddie Mae UNIFORM INSTRUMENT Form 3039 1101 VMPO VMPS(PA)) (0907 WCders Khrwer ndA Services Peje 13 of 1 Fm D06- 13pa.ult (7109) an institution whose deposits are insured by a federal agency, instrumentality or entity, or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of FENNSYLVAMAangle Family-Fannie MaeJFreddie Mae UMFOFM INSTRUMENT fain 3039 VOf VMP® VMFS(PA 14 0907)) wonera 19Lwar Financial Services Page of i7 DO6- 14pa.uft (7/09) Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower 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 shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non- existence of a default or any other defense of Borrower to acceleration and foreclosure, if the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. PEWSYWAMASingla FemilyFamisMadFredde Meo UNIFORM tNSTRNEM Farm 30)39 1101 VMP® VMPB(rA S 8071 WDIters Vim or tinardal Services Page of 11 006- 15pa_uff (7109) r BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witne e (Seal) Nicole R Temperato - Borrower (Seal) - Borrower (Seal) (Seal) - Borrower -Borrower (Seal) (Seal) -Borrower - Borrower (Sew) (Seel) - Borrower - Borrower PMSYLVANIA -Sngte family- Fainis MsWfteddie Mw UMFOF M INSTRUMFM Form 3039 1161 VMPs VMP6(PA1 (69071 Wafters 16w+a Fnau si Services Page 118 of 17 DOS- 16pauff (7109) „ COMMONWEALTH OF PENNSYLVANIA, Cumberland County ss: On this, the 1 day of kpLt t 1�01i, , before me, the undersigned officer, personally appeared Nicole R Temperato known to me (or satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: i i O . COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL CHARLES I. HINSON. Notary Pubtic City of Harrisburg, Dauphin County + My Commission Expires March 23, 2013 Title of Officer f Certificate o ide ce 15(/K , do hereby certify that the correct address of the within -named Mortgagee is one Citizens Plaza, Providence, RI 02903 Witness my hand this 13th day of April, 2010 . c7 Agent of Mortgagee PENNSYLVANIASW4e FaMly- Fainle MadFreddie Mac UNIFORM INSTFa MENr Form 30)39 11011 W IQuwer Fnart6al Samus - VM P�eg�e t 17 -1 D06.17pa.uff (7/09) i f — Plow, B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and 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, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the. Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self- management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. MULTISTATE PUD RIDER - Single Family - Fannie Mae /Freddie Mac UNI ORM INSTRUMENT VMP® -7R (0611) Page 2 of 3 Initials: rp Form 3150 1101 D007r2.uB (2103) BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants contained in this PUD Rider. (Seal) (Seal) Nicole R Temperat - Borrower - Borrower (Seal) (Seal) - Borrow er - Borrower (Seal) (Seal) - Borrow er - Borrow er (Seal) (Seal) -Borrower - Borrower MULTISTATE PUD RIDER- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT VMP® -7R (0811) Page 3 of 3 Form 3150 1101 D007r3.u1( (2103) Schedule C — Land Description Number All TEAT CERTAIN tract or parcel of land and premfrrs, r,tuare. tying and being In the Township of Lower Allen I in the Coaery of CUMBERLAND and CommonweaGh of Prnnsylrada, more particularly daoi7red ar follows: In accordance with a survey of plan prepared by Gerrit J. Betz Associates, Inc., Engineers and Surveyors, Shiremanstown, Pennsylvania, dated April 6, 1979 and revised June 6 1979, as follows, to Witt . t BEGINNING at an interior point which point is measured South 85 degreeei 30 minutes East 14 feet from a point, which point is measured South II 04 degrees 30 minutes West 51 feet from a point, which point is measured South 85 degrees 30 minutes East 149 feet from a point on the Eastern right of way line of Harrison Drive, thence continuing South 85 degrees 30 minutes East 21.00 feet to the boundary line dividing Units 34 and 35 and the true point beginning; thence continuing South 85 degrees 30 minutes East 20.00 feet to a point on the boundary line dividing Unite 33 and 34, thence continuing along said boundary line South 04 degrees 30 minutes West 41.00 feet to a point, thence continuing North 85 degrees 30 minutes West 20,00 feet to a point on the boundary line dividing Units 34 and 35, thence along said boundary line North 04 dagreea 30 minutes East 41.00 feet to the point of BEGINNING. BEING unit ;34, Building E, Section B, Phase One of Village One Foxlea Residential Community. SAVING THEREON ERECTED a dwelling known and numbered as 34 Drexel Place_ UNDER AND SUBJECT to all Acts of Assembly County and Township Ordinances, rights of Public Utility and Public Service Companies, existing restrictions and easements, visible ob of record to the extent that any persons or entities have acquired legal rights hereto. ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 = �` 717 -240 -6370 = °` Instrument Number - 201011369 Recorded On 5/4/2010 At 2:03:51 PM * Total Pages - 22 * Instrument Type - MORTGAGE Invoice Number - 64954 User ID - MSw * Mortgagor - TEMPERATO, NICOLE R * Mortgagee - RBS CITIZENS N A * Customer - IONNI * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS /ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES - $45.50 RECORDER OF DEEDS This p age is now art PARCEL CERTIFICATION $10.00 P g p FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $96.00 I Certify this to be recorded in Cumberland County PA cE cups ; RECORDER O D DS nao * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page- 1 001 SQ II I I II I II I I IIII II � II I II I III y EXHIBIT `B' {00046153} °n yam, .. -..ter .. ;..... .... ............. ..._. _.,..re_. t:. .- ...,....... .,. ..,.,:.,..,.., .. .. .. .. .... .. 4 .. (.< ._ 't2: .:.w+. _ ___v,..�eszra.:a U.....�.:= :r`:'- .'tss•. �>�,,: NOTE 1-- " April 13, 2010 Dillsbury PA [Date] [City) [State] 34 Drexel Place New Cumberland, PA 17070 - ? [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 82, 000.00 (this amount is called "Principal "), plus interest, to the order of the Lender. The Lender is RBS Citizens, N.A. 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 5.375 %. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section b(B) of this Note. 3. PAYMENTS . (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly. payment on the 1st day of each month beginning on June 1, 2010 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on May 1, 2040 , 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 m monthly payment at CC0 Mort a e 10561 Tele rah Road Glen Allen VA .23059 Y yP) g g. J P , , or-at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 459.16 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. MULTISTATE FIXED RATE NOTE - Single Family - Fannie MaelFredde Mac UNIFOFN INSTRUMENT Point 3200 1101 VMP B VMP5N (08D3).01 Wolters Kluwer Financial Services Inftials: ph Page 1 of 3 D005n1.uff (2103) r :',�•�- m :,:•;.• 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to .make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated . as a partial Prepayment. 1 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of fifteen calendar days after the date it is due, I will pay a late charge -to the Note Holder. The amount of the charge will be 5. 000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default `= If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least. 30 days after the date on which the notice is mailed to me or delivered by other means. ''. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has 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. 7. 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. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the -- . right to require the Note Holder to give notice to other persons that amounts due have not been paid. MULTISTATE FIXED RATE NOTE- Singfe Family - Fannie MaeFreddieMac UNIFORM INSTRUMENT ForM 3200 1101 VMP% �" VMP5N(0603).01 _ blotters Kiwver Fnaetlat Services Initia[� Pape 2 of 3 D005n2.uff (21)3) Yry.ry C^ .yo 4�:'x; }� :T, ^:'- 11:fF'.9:. ;= `•yf�,�tr..r .yiy . .. �.. y'° y "h :.- _= "- '.=- ..,,r+r..gw: w.- •ey. -. ;:, .::_. ^, ..: :_ ::,,.e :..tir_ : ,''e ?�C1r'.%::.v�w•- _,.,�y?tz_ f;•;tS - ;lei - ;,., .. ._ -..... _..- — ;:•: =' 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument "), dated the same date as this Note, protects the Note Holder from possible losses which. might result if I do not keep the promises which I make -in this Note. That Security Instrument describes how and under what conditions.I may be required to make immediate payment in full is of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without 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. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of -not less than 30 days from the date the notice is given in accordance with Section IS. 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 SEAL(S) OF THE UNDERSIGNED. E (Seal) (Seal) Nicole Ft fiemperato -Borrower - Borrower (Seal) (Seal) - Borrower -Borrower - -- (Seal) — (Seal) - Borrower -Borrower (Seal) . (Seal) - Borrower - Borrower (sign Original Only) !k �� MULTISTATE FIXED RATE NOTE- Single Family - Fannie Maerredde Mac UNIFORM INSTRUMENT Form 3200 V01 VMP @ VMP5N (0803).01 Wolters IOuwer Rnendal Servirxs InRials ?age 3 of 3 D005n3.uff (2103) i r v " ADDENDUM TO NOTE THIS.ADDENDUM TO NOTE is made this 13th day of April, 2010 , and is incorporated into and shall be deemed to amend and supplement the Note made by the undersigned ( "Borrower"), in favor of RBS Citizens, N.A. , ( "Lender ") and dated the same date as this Addendum (the "Note "). The Note is secured by a Mortgage, Deed of Trust or Deed to Secure Debt, as modified or amended, in favor of Lender dated the same date as this Addendum to Note (the "Security Instrument ") ADDITIONAL .COVENANTS. In addition to the covenants and agreements made in the Note, Borrower +. and Lender further covenant and agree as follows: 1. GOVERNING LAW. This Note is governed by federal law, and to the extent not preempted by federal law, by the laws of the State of Rhode Island. ce BY SIGNING BELOW, Borrower acpts and agrees to the terms and covenants contained in this Addendum to Note. (Seal) (Seat) Nicole R Temperato - Borrower - Borrower (Seal) (Seal) - Borrower - Borrower (Seal) r : - Borrower - Borrower (Seal) {Seal) - Borrower - Borrower UADDNOTE -04105 0022163551 s EXHIBIT `C' {00046153} , . : . .�_ . ƒ� NICOLE TEMP£RATO 34 QREXEL PLACE NEW CUMBERLAND P4 17070 wt r � � � r � . � i: ... __. __.... e..,.._5•ri�� =: - - ,�'= :r.i.�.i•a:�: -; `$;:C�'�.�x: aJ�.m.!tu Gay.. w; �' slt.' ed+. �:•_: i--" 1..: f? u. �. 5_-. r' iit:: ::..' ^,, ''1�: = :'. a G'�...._... _ �.. ��..-.. .,._..�.���_na:' :_- ti..___....i J is r l (Rev. 9/2008) Date November 14, 2013 is NOTICE ACT 91 T AKE ACTION TO SAVE F YOUR HOME FROM FORECL OSURE* t . This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING k ; AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name, address and hone number of Consumer Credit Counsel 1' g Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 - 1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES 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 PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CU AL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDI IIR SU HIPOTECA. X (Must be at least 30 point type) ..:r,•r= ir.,; .:.C �,.f %4 +fiM ^l.: :.G: nX5 'Mg. - .�' %i1'" Y. 1 v'" 'rn^ yiro . ...h -Ate''^ - ..t'.rb ,nL ^r�•.a. - .._,. __ ._. _..n ...�a'f.1.r.,. r. wun.aue. ✓..._.e — .... :�.M..:F nv.:�... <.n 1 a. ,. 1 v. , 'f:('; ;a.;::.. '�. . T" M Y ^ .i."'..... :s:: .. ..: .. ,.f.: ...... . , .:..... . ....c s ... bs• r. _, rt�_sr�E._s1. ...�... �...:�..;.,.. � 1:Lu .. ::..T :J. .r.. 4.4. ..�..... .....:... .. .. A HOMEOWNER'S NAME(S): NICOLE TEMPERATO PROPERTY ADDRESS: 34 DREXEL PLACE NEW CUMBERLAND PA 17070 LOAN ACCT. NO.: ORIGINAL LENDER: 041 CURRENT LENDER/SERVICER: CCO Mortgage HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM " A YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE N WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE — Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the propM is located are set forth at the end of this Notice It is only necessary to schedule one face -to- face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMAM DATE OF THIS NOTICE AND FILE AN APPLIC.9TION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSUREAGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE' : YOU HAVE THE RIGHT TO FILE A HEM4P APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. �._ -- ,... -.: «-. --'. -..: a-... x:: ...•:-...- ......w._.-2'_ --e::. rT:- sTS. +;.. .. _ — _ __ _."'.Ct: :••t_^P. ^.�i - .... ..... .. ... .... . .. ....; .. ... .,, .i. .: ,. r.r.....: �..:... .i. ...>. :..�. ..r. .. ... e. T.v K' ...Y -'C.. . Y.. ..�_._�.�____. <.�..::1 -•:: :a::. 'i ?'r - K— AGENCY .... AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania ' Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Brim it up to date) NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 34 DREXEL PLACE NEW CUMBERLAND PA 17070 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: June 2013 through November 2013 @ $603.70 t Other charges (explain/itemize): LATE CHARGES of $114.80 and PROP. INSPECTION FEE of $34.50 G; TOTAL AMOUNT PAST DUE: $ 3,771.50 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use if not ap lip cable• HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3,771.50, 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: CCO Mortgage 1.0561 Telegraph Road Glen Allen, Va. 23059 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: Do not use if not applicable t s y. IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property J: IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' 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, w hich may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not he 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. n RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the ! THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and AM other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: CCO Mortgage Address: 10561 Telegraph Rd, Glen Allen, VA 23059 Phone Number: (800) 456 -8855 Fax Number: (804) 627 -5790 -- Contact Person: Problem Debt Management E-Mail Address: Inguiriesra?,ccomolkage.com EFFECT OF SHERIFF'S SALE You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or _x may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. ..... ......... YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTUUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR IN ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C. FOR THE COUNTY in which the property is located, us ing additional pages if necessary) i' HEMAP Consumer Credit Counseling Agencies Report last updated: 8111200810:08:24 AM Center for Family Services, Inc. Community Action Commission of i Captial Region 213 Center Street 1514 Derry Street Meadville, PA 16335 Harrisburg, PA 17104 i' '• 814.337.8450 717.232.9757 Greater Erie Community Action Committee Loveship, Inc. 18 West 9TH Street 2320 North 5th Street :.; Erie, PA 16501 Harrisburg, PA 17110 } ' 814.459.4581 717.232.2207 (.:. Shenango Valley Urban League, Inc. PHFA 601 Indiana Avenue 211 North Front Street Farrell, PA 16121 Harrisburg, PA 17110 724.981.5310 717.780.3940 800.342.2397 St. Martin Center 1701 Parade Street DELAWARE County Erie, PA 16503 814.452.6113 Acorn Housing Corporation 846 North Broad Street _ CUMBERLAND County Philadelphia, PA 19130 215.765.1221 Adams County Interfaith Housing Authority 40 E High Street Advocates for Financial Independence Gettysburg, PA 17325 202 East Hinkley Avenue i 717.334.1518 Ridley Park, PA 19078 215.389.2810 CCCS of Western PA 2000 Linglestown Road American Credit Counseling Institute Harrisburg, PA 17102 175 Strafford Avenue -- 888.511.2227 Suite 1 888.511.2227 Wayne, PA 19087 610.971.2210 Community Action Commission of Captial Region 888.212 -6741 1514 Derry Street Harrisburg, PA 17104 American Financial Counseling Services 717.232.9757 175 Trafford Avenue Suite One Loveship, Inc. Wayne, PA 19087 2320 North 5th Street 267.228.7903 _ Harrisburg, PA 17110 800.490.3039 717.232.2207 American Red Cross of Chester Maranatha 1729 Edgemont Avenue 43 Philadelphia Avenue Chester, PA 19013 Waynesboro, PA 17268 610.874.1484 717.762.3285 APM PHFA 2147 North Sixth Street 211 North Front Street Philadelphia, PA 19122 Harrisburg, PA 17110 215.235.6788 717.780.3940 i 800- 342.2397 Carroll Park Community Council, Inc. 5218 Master Street DAUPHIN County Philadelphia, PA 19131 CCCS of Western PA 215.877.1157 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Page 7 of 18 ...... ...�.., ::.. ...:....!. �h : ., : . .:....•:. , c v - :. i.: dthv,�''FC::i.✓..:.'4'G ?�13x�;r :Cti ; ?^. - .. w. X.. ii:: w...- •:.:.+'r..w•..T�c,:�- ..,_-'rt.• _ .... .. .... :n.fif�Tit... �... ..... . -. :a✓�� ... .. r ..- h2; "r^:::5 . hJ ..• .a.2..- y:.T, ..... m:F,:c•r - _ .. .w :.�, .r.Y.. .. _ .. -... S �- r:. 1 �:. ff. r.:. L`::• a .,i:__.:r_c4...__,..._....1._,: f•:.,.. Y.s.,,:_,. -;+: r[ "`.i;:Y: s HEMAP Consumer Credit Counseling Agencies Report last updated: 8/1/2008 10:08:24 AM CCCS of Delaware Valley Phila Council For Community Advmnt 1608 Walnut Street 100 North 17th Street 10th Floor Suite 00 Philadelphia, PA 19107 Philadelphia, PA 19103 215.563.5665 215.567.7803 800.930.4663 CCCS of Delaware Valley 280 North Providence Road Urban League of Philadelphia Media, PA 19063 1618 Market Street 215.563.5665 20th Floor Philadelphia, PA 19103 CCCS of Delaware Valley 215.561.6070 790 E. Market St. — Suite 170, Marshall Building ELK County West Chester, PA 19382 { 215.563.5665 Northern Tier Community Action Corp. P.O. Box 389 Chester Community Improvement Project 135 West 4th Street 412 Avenue of the States Emporium, PA 15834 PO Box 541 814. 486.1161 Chester, PA 19016 610.876.8663 ERIE County Diversified Community Services Booker T. Washington Center Dixon House 1720 Holland Street 1920 South 20th Street Erie, PA 16503 Philadelphia, PA 19145 814.453.5744 215.336.3511 CCCS of Western PA FOB CDC 4402 Peach Street 1201 West Olney Avenue Erie, PA 16509 Phiaidelphia, PA 19141 888.511.2227 ext 108 215.549.8755 888.511.2227 ext _ Germantown Settlement 108 5538 Wayne Avenue Greater Erie Community Action Committee Bldg C 18 West 9TH Street Philadelphia, PA 19144 Erie, PA 16501 215.849.3104 814. 459.4581 HACE St. Martin Center 167 W. Allegheny Avenue 1701 Parade Street 2nd FI Erie, PA 16503 Philadelphia, PA 19140 814.452.6113 215.426.8025 Voices for Independence Housing Partnership of Chester County 1107 Payne Avenue 41 West Lancaster Ave Erie, PA 16503 Downingtown, PA 19335 814.874.0054 610.518.1522 800.838.9890 Media Fellowship House FAYETTE County 302 South Jackson Street Media, PA 19063 Action Housing, Inc 610.565.0434 425 6th Avenue Suite 950 Northwest Counseling Service Pittsburgh, PA 15219 5001 North Broad Street 412.281.2102 Philadelphia, PA 19141 800.792.2801 215.324.7500 Page 8 of 18 WALZ .� FORM a5s6s VERSION: oins = _ ?x,96 91608 9211. 9446 8401 U.S. PAT, NO. s1%11%3 FROM P! WALZ C ERTIFIED ; TO: ERTI RE ! = NICOLE R TEMPERATO 34 DREXEL PLACE Label #1 ! NEW CUAIRERLAND PA 17070 I pii i � 1 3. SENDER: REFERENCE: Z : 11114/2013 0. Label #2 a _ a ' PS Form 3600 JanumV 2005 _ ~ : RETURN Postage RECEIPT I SERVICE Certified Fee Retum Receipt Fee - Restricted Delivery - - -- i Total Postage & Fee s - - - ! USPSO POSTMARK OR DATE Label #3 - Receipt for Certified flail'" e E No Insurance Coverage Provided Do Not Use for international Mall A FOLD AND TEAR THIS WAY---b- OPTIONAL -- ...... -- -- _ - - -__ — ..... ---- —_ i- — S Label #5 Label a6 a C3 s • Co s i • C3 { _ Charge I 417 Amount Charge t. To: -- — FOLD AND TEAR THIS WAY o� VERMCATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Q� 11 Name: rLt .� h. 5 ✓K Title: �orcG I oS�.r� SPG G •'Q �� 's� - RBS Citizens, N.A. RE: Temperato, Nicole R. 14 -41380 (00041451) LAW OFFICES OF GREGORY JAVARDIAN "i'vt GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 ,� 1 7 :J ' MARY F. KENNEDY, ESQUIRE Id. No. 77149 +. f�., MEGHAN K. BOYLE, ESQUIRE Id. No. 201661'�t ^ . 13 INDUSTRIAL O ESQUIR Id p a� r p � C �0 Y l 1 FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEY FOR PLAINTIFF RBS CITIZENS, N.A. COURT OF COMMON PLEAS 10561 TELEGRAPH ROAD GLEN ALLEN, VA 23059 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY VS. C I NICOLE R. TEMPERATO NO. q - I "1 S U 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 COMPLAINT IN DEFENDANT MORTGAGE FORECLOSURE NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action you may be able to participate in a court supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer you must take the following steps to be eligible for a conciliation conference. First within twenty 20 days of your receipt of this notice you must contact MidPenn Legal Services at 717 2439400 extension 2510 or 800 8225288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative you must promptly meet with that legal representative within twenty 20 days of the appointment date. During that 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. {00064711} Y If you are represented by a lawyer you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty 60 days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME YOU MUST ACT QUICKLY AND TAKE THESTEPS REQUIRED BY THIS NOTICE THIS PROGRAM IS FREE. LAW OFFICES OF GREGORY JAVARDIAN DATE: BY: Gregoz> Javardian, Esq ire . No. 55669 []Ma Kennedy, Esq V�iree . No.77149 ❑Meghan K. Boyle, Esq. No. 201661 ❑ Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff {00064711} 7 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: Number of people in household How long: CO- BORROWER Mailing Address: City: State Zip: Phone Numbers: Home: Office: Cell: Other: Email: Number of people in household How long: FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number Date You Closed Your Loan: Second Mortgage Lender: Type of Loan {00064711) 3 Loan Number Total Mortgage Payments Amount: $ Included Taxes Insurance:$ Date of Last Payment: Primary Reason for default: Is the loan in Bankruptcy? Yes ❑ No❑ If yes provide names, location of court, case number & attorney Assets Amount Owed: Value: Home: $ $ Other Real Estate $ $ Retirement Funds $ $ Investments $ $ Checking $ $ Savings $ $ Other $ $ Automobile #1: Model Year: Amount owed: $ Value: Automobile #2: Model Year: Amount owed $ Value: Other transportation (automobiles boats motorcycles Model) Model: Year: Amount owed $: Value: $ {00064711) S MONTHLY INCOME Name of Employers 1. 2. 3. Additional Income Description (not wages): 1. monthly amount $ 2. monthly amount $ Borrower Pay Days: Co- Borrower Pay Days MONTHLY EXPENSES (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage $ Food $ 2nd Mortgage $ Utilities $ Car Payment(s) $ Condo/Neigh. Fees $ Auto Insurance $ Med not covered $ Auto fuel/repairs $ Other prop payment $ Install Loan Payment $ Cable TV $ Child Support/Alimony $ Spending Money $ Day /Child Care Tuition $ Other Expenses $ Amount Available for Monthly Mortgage Payments Based on Income Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes please provide the following information Counseling Agency: Counselor: Phone Office: Fax: Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance Yes ❑ No ❑ If yes please indicate the status of the application: {00064711} S Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency Yes ❑ No ❑ If yes please indicate the status of those negotiations: Please provide the following information if known regarding your lender's or lender loan servicing company Lender Contact (Name) Phone Servicing Company (Name) Contact: Phone AUTHORIZATION Me 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 {00064711} Please forward this document along with the following information to lender and Gregory 3avardian, Esquire, lender counsel: Proof of income Bank statements to cover the last 60 day period If self employed, we must have the last 3 bank statements from both their business and personal bank accounts. Proof of any expected income for the last 45 days Dodd Frank Certificate 4506T -EZ form Copy of last two months utility bill Letter explaining reason for delinquency and any supporting documentation Hardship letter Listing agreement if property is currently on the market Gregory Javardian, Esquire 1310 Industrial Boulevard, Suite 101 Southampton, PA 18966 (tel) 215- 942 -9690 (fax) 215 -942 -9695 Attention: Tami Kowalski (tel) 215- 942 -9690 ext. 1309 tami(a) avardianlaw. com {00064711} SHERIFF'S OFFICE OF CUMBERLANf.00 c Ny Ronny RAnderson �� ; Sheriff Jody S Smith Chief Deputy ` P�'i�3E1�L A $ Cl;ILIAN T Richard W Stewart PEP��rSYL.VAH Solicitor ;.r T RBS Citizens, NA Case Number vs. Nicole R Temperato 2014-1045 SHERIFF'S RETURN OF SERVICE 03/03/2014 01:20 PM - Deputy Brian Grzyboski, 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: Nicole R Temperato at 34 Drexel Place, Lower Allen, New Cumberland, PA 17070. 7 , //-3/ BRIAN GRZY:. KI, V_ SHERIFF COST: $47.21 SO ANSWERS, March 05, 2014 RONR ANDERSON, SHERIFF Ste. 'I';. LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 J.T ONO I/ r 20114 A R `8 Ml 10: 13 CUMBERLAND COUNTY PENNSYLVANIA RBS CITIZENS, N.A, COURT OF COMMON PLEAS 10561 TELEGRAPH ROAD GLENN ALLEN, VA 23059 CUMBERLAND COUNTY vs. No.: 14 -1045 CIVIL NICOLE R. TEMPERATO 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against NICOLE R. TEMPERATO, Defendant(s) for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As Set forth in Complaint $84,269.89 Interest 2/24/2014 to 4/07/2014 485.10 TOTAL $84,754.99 I hereby certify that (1) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. Damages are hereby ass ssed as indicated. DATE: Ty Java ian, q re Id. No. 55669 ❑Ma F. Kennedy, E ,q Ore Id. No. 77149 ❑Meghan K. Boyle, Es ire Id. No. 201661 ❑ Sean P. s, Escril Id. Nod 0751.8 Attorneys for aintiff; PRO PROTHY cli 3out in \)(5-lc.0 171c�IPA LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOY LE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 RBS CITIZENS, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY NICOLE R. TEMPERATO No.: 14 -1045 CIVIL VERIFICATION OF NON - MILITARY SERVICE The undersigned hereby verifies that he/she is attorney for the Plaintiff in the above - captioned matter, and that on information and belief, he /she has knowledge of the following facts, to wit: (a) Defendant(s), NICOLE R. IEMPERATO, is /are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act, 50 U.S.C.S. Appx. §§ 501 et. eq. (b) Defendant, NICOLE R. TEMPERATQ is over 18 years of age, and resides at 34 DREXEL PLACE, NEW CUMBERLAND, PA 17070. (c) Plaintiff, RBS CITIZENS, N.A, is an institution conducting business under the Laws of the Commonwealth of Pennsylvania with an address of 10561 TELEGRAPH ROAD, GLENN ALLEN, VA 23059. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. C!Gre ' ry Ja ian fE quire Id. No. 55669 ❑Ma� F. Kennedy E quire Id. No. 77149 ❑Me han K. Boyle squire Id. No. 201661 g q ❑ Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUI1h 101 SOUTHAMPTON, PA 18966 (215) 942 -9690 ATTORNEYS FOR PLAINTIFF RBS CITIZENS, N.A. In The Court of Common Pleas Plaintiff v. Cumberland County NICOLE R. TEMPERATO No. 14 -1045 CIVIL Defendants TO: NICOLE R. TEMPERATO 34 DREXELPLACE. NEW CUMBERLAND, PA 17070 DATE OF NOTICE: MARCH 26, 2014 NOTICE, RULE 237.1 IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims se forth against you. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (800) 990 -9108 BY: OGre: ardian, Esquire Id. No. 55669 OMary F. Kennedy, Esquire Id. No. 77149 OMeghan K. Boyle, Esquire Id. No. 201661 tt�ean P. Mays, Esquire Id. No. 307518 orneys for Plaintiff Usted se encuentra en estado de rebeldia por no haber tornado la accion requiida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de esta notificacion, el tribunal podra, sin necesidad de compararecer usted en corte o escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatemente si usted no tiene abogado, o si no tiene dinero suficiente pars ml servicio, vaya en persona o llame por telpfono a la oficina, cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir assistencia legal. "NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT THIS IS AN NI1'EMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE" {00073470} OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS TO: NICOLE R. TEMPERATO 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 RBS CITIZENS, N.A. vs. NICOLE R. TEMPERATO COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY No.: 14 -1045 CIVIL Defendant(s) NOTICE 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. X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession by Default LOP Judgment on Award of Arbitration Judgment on Verdict _ Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY: Law Offices of Gregory Javardian at this telephone number: (215) 942 -9690. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND RBS CITIZENS, N.A. 10561 TELEGRAPH ROAD GLEN ALLEN, VA 23059 vs. Nicole R. Temperato 34 Drexel Place New Cumberland, PA 17070 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -1045 -Civil PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly issue Writ of Execution in the above matter Amount Due Interest from 4/8/14 to Date of Sale @ $13.93 per diem Subtotal (Costs to be added) coo si'.sb?cl°f11- tt Sti" etS (p fi $84,754.99 C ti ; `p Gr e ory Javardian, E • 're Id. No. 55669 ❑ Mary F. Kennedy, Es ; , ire Id. No. 77149 ❑ Meghan K. Boyle, Esquire Id. No. 201661 ❑ Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff 1310 Industrial Boulevard 1st Floor, Suite 101 Southampton, PA 18966 (215) 942-9690 a.as cs _so u_ 0j/4 7a9R- ''&)(0-7310� cc__ • r,t 61�E Tsx� ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Lower Allen, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: In accordance with a survey of plan prepared by Gerrit J. Betz Associates, Inc., Engineers and. Surveyors, Shiremanstown, Pennsylvania, dated April 6, 1979 and revised June 6, 1979, as follows, to wit: BEGINNING at an interior point, which point is measured South 85° 30' East, 14 feet from a point, which point is measured South 4° 30' West, 51 feet from a point, which point is measured South 85° 30' East, 149 feet from a point on the Eastern right of way line of Harrison Drive; thence continuing South 85° 30' East, 21 feet to the boundary line dividing Units 34 and 35 and the true point of beginning; thence continuing South 85° 30' East, 20 feet to a point on the boundary line dividing Units 33 and 34; thence continuing along said boundary line South 4° 30' West, 41 feet to a point; thence continuing North 85° 30' West, 20:feet to a point on the boundary line dividing Units 34 and 35; thence along said boundary line North 4° 30' East, 41 feet to the point of BEGINNING. BEING Unit #34, Building E, Section B, Phase One of Village One Foxlea Residential Community. UNDER AND SUBJECT to all Acts of Assembly, County and Township Ordinances, rights of Public Utility and Public Service Companies, existing restrictions and easements, visible or of record to the extent that any persons or entities have acquired legal rights hereto. BEING THE SAME PREMISES which Ronald G. Wehler and Tamara M. Wehler, his wife, by Deed dated January 8, 2010 and recorded May 4, 2010 in the Office of the Recorder of Deeds in and for Cumberland County in Instrument No. 20101 1 368, granted and conveyed unto Nicole R. Temperato. BEING KNOWN AS: 34 Drexel Place, New Cumberland, PA 17070 PARCEL #13-25-0008-002A RBS CITIZENS, N.A. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY Nicole R. Temperato No.: 14 -1045 -Civil AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 34 Drexel Place, New Cumberland, PA 17070: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) rn Cf --) c J'77 i ::^` 7 Nicole R. Temperato 34 Drexel Place o, ` New Cumberland, PA 17070 z-- =� 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Nicole R. Temperato 34 Drexel Place New Cumberland, PA 17070 2. Name and address of Defendant(s) in the judgment: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Citizens Bank of Pennsylvania 1735 Market Street Philadelphia, PA 19103 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 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. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations Cumberland County Tax Claim Bureau PA Department of Public Welfare Bureau of Child Support Enforcement 13 North Hanover Street P.O. Box 320 Carlisle, PA 17013 1 Courthouse Square Old Courthouse, Room 106 Carlisle, PA 17013 Health and Welfare Building — Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 Foxlea Homeowners Association, Inc. 337 Lincoln Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 34 Drexel Place New Cumberland, PA 17070 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. ErGr ory Javard. . Esquire Id. No. 55669 ❑Mary F. Kenn-. , Esquire Id. No. 77149 ❑ Meghan K. Boyle, Esquire Id. No. 201661 ❑ Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff May 29, 2014 LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 RBS CITIZENS, N.A. vs. Nicole R. Temperato i7-117 l'iWTHONO 20A JUN -3 fill %;UMBFRLAND CUNT' PENNSYLVANIA ENNY i [ ����Fil;� r COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -1045 -Civil CERTIFICATION TO SHERIFF OF CUMBERLAND COUNTY AS TO THE SALE OF REAL ESTATE I hereby certify that I am the attorney for the Plaintiff in this Mortgage Foreclosure Action and further certify this Property is: FHA Tenant Occupied Vacant Commercial As a result of Complaint in Assumpsit Act 6 and/or Act 91 complied with �Gr-ory Jav<rdi. , quire Id. No. 55669 ❑ Mary F. Kenned d ` squire Id. No. 77149 ❑ Meghan K. Boyle, Esquire Id. No. 201661 ❑ Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 RBS CITIZENS, N.A. vs. Nicole R. Temperato CU P N'SYLV NIgr1ri'l, COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -1045 -Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Nicole R. Temperato 34 Drexel Place New Cumberland, PA 17070 Your house (real estate) at 34 Drexel Place, New Cumberland, PA 17070, is scheduled to be sold at Sheriffs Sale on SEPTEMBER 3, 2014 at 10:00 A.M., in the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $84,754.99, obtained by RBS CITIZENS, N.A., against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-9690. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-9690. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Law Offices of Gregory Javardian at (215) 942-9690. 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 the 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 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. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Lower Allen, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: In accordance with a survey of plan prepared by Gerrit J. Betz Associates, Inc., Engineers and Surveyors, Shiremanstown, Pennsylvania, dated. April 6, 1979 and revised June 6, 1979, as follows, to wit: BEGINNING at an interior point, which point is measured South 85° 30' East, 14 feet from a point, which point is measured South 4° 30' West, 51 feet from a point, which point is measured South 85° 30' East, 149 feet from a point on the Eastern right of way line of Harrison Drive; thence continuing South 85° 30' East, 21 feet to the boundary line dividing Units 34 and 35 and the true point of beginning; thence continuing South 85° 30' East, 20 feet to a point on the boundary line dividing Units 33 and 34; thence continuing along said boundary line South 4° 30' West, 41 feet to a point; thence continuing North 85° 30' West, 20. feet to a point on the boundary line dividing Units 34 and 35; thence along said boundary line North 4° 30' East, 41 feet to the point of BEGINNING. BEING Unit #34, Building E, Section B, Phase One of Village One Foxlea Residential Community. UNDER AND SUBJECT to all Acts of Assembly, County and Township Ordinances, rights of Public Utility and Public Service Companies, existing restrictions and easements, visible or of record to the extent that any persons or entities have acquired legal rights hereto. BEING THE SAME PREMISES which Ronald G. Wehler and Tamara M. Wehler, his wife, by Deed dated January 8, 2010 and recorded May 4, 2010 in the Office of the Recorder of Deeds in and for Cumberland County in Instrument No. 201011368, granted and conveyed unto Nicole R. Temperato. BEING KNOWN AS: 34 Drexel Place, New Cumberland, PA 17070 PARCEL #13-25-0008-002A 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 RBS CITIZENS, N.A. Vs. NICOLE R. TEMPERATO WRIT OF EXECUTION NO 14-1045 Civil Term CIVIL ACTION — LAW 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: $84,754.99 L.L.: $.50 Interest FROM 4/8/14 TO DATE OF SALE @ $13.93 PER DIEM Atty's Comm: Atty Paid: $195.96 Plaintiff Paid: Date: 6/3/14 (Seal) Due Prothy: $2.25 Other Costs: David D. Buell, Prothonotary _ Deputy REQUESTING PARTY: Name: GREGORY JAVARDIAN, ESQUIRE Address: LAW OFFICES OF GREGORY JAVARDIAN 1310 INDUSTRIAL BLVD. 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 Attorney for: PLAINTIFF Telephone: 215-942-9690 Supreme Court ID No. 55669 LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661 SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1st FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 215-942-9690 RBS CITIZENS, N.A. vs. Nicole R. Temperato l_.ED-OF Fft THE PRDTHD O. ZiII4 SEP -2 PM 2: 35 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -1045 -Civil AFFIDAVIT OF SERVICE OF NOTICE OF SHERIFF'S SALE PURSUANT TO P.R.C.P. 404(2) and 403 Sean P. Mays, Esquire, Attorney for Plaintiff, hereby certifies that service of the Notice of Sheriff's Sale was made by sending a true and correct copy by certified mail to Defendant, Nicole R. Temperato, at 34 Drexel Place, New Cumberland, PA 17070, which Notice of Sheriff's Sale was received by Defendant, Nicole R. Temperato, on June 25, 2014, as evidenced by the attached return receipt. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: August 28,2014 ❑1ti Gregory avardian, Es: ' e Id. No. 55669 ❑Mary F. Ke .-d - quire Id. No. 77149 ❑Meghan K. Boyle, Esquire Id. No. 201661 -Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff 1 1 9314 7699 0430 0003 9261 44 3. Service Type CERTIFIED MAIL® 4. Restricted Delivery? (Extra Fee) 1 Yes 1. Article Addressed to: NICOLE R. TEMPERATO 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 COMPLETE THIS SECTION ON DELIVERY A. Received by (Please Print Clearly) C. Signature X111,`d B. Date .of q��xgry .1U112 q/J El Agent a'//�` 7 v,W D Addressee D. Is delivery address different from ite7it? If YES, enter delivery address below. Reference information ❑ Yes ❑ No TEMPERATO, N. PS Form 3811, January 2005 Domestic Return Receipt LAW OFFICES OF GREGORY JAVARDIAN GREGORY JAVARDIAN, ESQUIRE Id. No. 55669 MARY F. KENNEDY, ESQUIRE Id. No. 77149 MEGHAN K. BOYLE, ESQUIRE Id. No. 201661. SEAN P. MAYS, ESQUIRE Id No. 307518 1310 INDUSTRIAL BOULEVARD 1ST FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 RBS CITIZENS, N.A. vs. Nicole R. Temperato �.r THt �' O �. ' ..•. 2014 SEP -2 PH 2: 35 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14 -1045 -Civil AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 I hereby certify that I have sent copies of the Notice of Sheriff Sale to the Defendants' certified and regular United States mail and all lien holders or judgment creditors of record as required by Pa.R.C.P. by first class United States mail, postage prepaid, on the date set forth below. (See attached Exhibit "A"). Cumberland County Domestic Relations 13 North Hanover Street P.O. Box 320 Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Old Courthouse, Room 106 Carlisle, PA 17013 Tenants/Occupants 34 Drexel Place New Cumberland, PA 17070 Nicole R. Temperato 34 Drexel Place New Cumberland, PA 17070 PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building — Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 Citizens Bank of Pennsylvania 1735 Market Street Philadelphia, PA 19103 Foxlea Homeowners Association, Inc. 337 Lincoln Street Carlisle, PA 17013 I verify that the statements made in is affida ' are true and correct to the best of my knowledge, information and belief. I understanhat false stat eats herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unson to authorities. 'regory Javardia , Esquire Id. No. 55669 ❑ . ry F. Kennedy squire Id. No. 77149 ❑ Me . i an K. B : e, Esquire Id. No. 201661 Ig -Sean P. Mays, Esquire Id. No. 307518 Attorneys for Plaintiff Dated: Ga0"1 ND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPROPIATE BLOCK FOR POSTMARK,AN ?,DATE;OF RECEIPT' Law Offices of Gregory Javardian 1310 Industrial Boulevard, 1'' Floor, Suite 101 Southampton, PA 18966 X Certificate Mailing 0 Insured 0 COD 0 Certified Mail Registered Mail: 0 With Postal Insurance 0 Without Postal Insurance= Affi stdrap or form hefe'alasueda"s dttror certificate of mailma "1-copiespf thrs,bll_'.: „i;<, ,. ...., pq - 0l Line Number of Article Name of Addressee, Street, and Post -Office Address Postage Fee Handling Charge Act. Value (If Regis.) Insured Value Due Sender if C.O.D. R.RL Fee MS.D.- Fee WSJ Fee M l%3= Rest) OeI.i Feet='i- ' ' ---------------- Remarks 1 Cumberland County Domestic Relations 13 North Hanover Street P.O. Box 320 Carlisle, PA 17013 2 Cumberland County Tax Claim Bureau 1 Courthouse Square Old Courthouse, Room 106 Carlisle, PA 17013 3 Tenants/Occupants 34 Drexel Place New Cumberland, PA 17070 4 Nicole R. Temperato 34 Drexel Place New Cumberland, PA 17070 5 Citizens Bank of Pennsylvania 1735 Market Street Philadelphia, PA 19103 6 PA Department of Public Welfare Bureau of Child Support Enforcement Health and Welfare Building — Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7 Foxlea Homeowners Association, Inc. 337 Lincoln Street Carlisle, PA 17013,---'", ----~Ti------„ Total Number of Pieces Listed by Sender POSTMASTER, PER i 'l �ti (Name of receiving erfip19yee) / y " • = . E 1 7) e h *� ,C" _ r 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 S50.000 per piece subject to a limit of S50,000 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 Mail. Special handling charges apply only to Third- and Fourth -Class parcels. Special delivery service also includes special handling service. PS FORM 3877 Temperato, Nicole — GJ#14-01380 REGISTERED, INSURED, COD ,.., CERTIFIED, 4 .56 TOLE R. TEMPERATO 34 DREXEL PLACE NEW CUMBERLAND, PA 17070 SENDER: REFEREN1Qr- PERA ro, N. 9314 7699 0430 0003 9261 44 PS Form 3800 January 2005 RETURN RECEIPT SERVICE Postage Certified Fee 0,69 Return Receipt Fee Restricted Delivery Total Postage & Fees 3 3(t 7,70 0.00 669 USPS• Receipt for Certified Mail' No Insurance Coverage Provided Do Not Use for International Mail POSTMARK OR DATE SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FM._ ED -OFFICE SheriffOF THE t rcOTHONO 1AR I Jody S Smith 1914 OCT 24 Pli J: 5 f Chief Deputy Richard W Stewart C JHBEPLAN-J COUNTY Solicitor OFFICE OF ME CRER1F- PENNSYLVANIA RBS Citizens, NA vs. Nicole R Temperato Case Number 2014-1045 SHERIFF'S RETURN OF SERVICE 06/19/2014 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 34 Drexel Place, New Cumberland, PA 17070. 06/19/2014 12:19 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: Nicole R Temperato at 34 Drexel Place, Lower Allen, New Cumberland, PA 17070, Cumberland County. 09/03/2014 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013, on Wednesday, September, 3, 2014 at 10:00 a.m. He sold the same for the sum of $1.00 to Attorney Gregory Javardian, on behalf of Federal National Mortgage Association, being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $1,098.10 September 18, 2014 c) {;ountyS lie Sheriff, Telecscft, Inc. SO ANSWERS, RONO R ANDERSON, SHERIFF mp 57) Atit a/c %/» fif 3/.2/e5 On June 10, 2014 the Sheriff levied upon the defendant's interest in the real property situated in Lower Allen Township, Known and numbered as, 34 Drexel Place, New Cumberland, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. Date: June 10, 2014 By: Real Estate Coordinator LXIII 29 CUMBERLAND LAW JOURNAL 07/18/14 Writ No. 2014-1045 Civil RBS CITIZENS, NA vs. NICOLE R. TEMPERATO Atty.:' Gregory Javardian ALL THAT CERTAIN tract or parcel of land and premises, situ- ate, lying' and lbeing in the Town- ship of Lower Allen, :in the County : of Cumberland and Commonwealth ofPeJU 1 sylvania, more partularly described as follows: • 1 In 'accordance with a survey of ;plan prepared by GenittJ.' Bet i As- sociates, Inc., Engineers and Survey- ors, Shiremanaown, Pennsylvania, dated April 6, 1979 and revised June 6, 1979, as follows, to wit: • BEGINNING at an interior point, which point is measured South 85° • 30' East, 14 feet from a point, which point is measured South 4° 30' West, 51 feet from a point, which point iS measured South 85° 30' East, 149 feet from a point on the Eastern right of way line of HarriSonDrive; thence continuing South 85° 30' East, 21 feet to the boundary line dividing Units 34 and 35 and the trim point �f beginning; thence continuing South 85° 30' East, 20 feet to a point on the boundary line dividing Units 33 and 34; thence continuing along said boundary line South 4° 30' West,.41 feet to a point; thence continuing North 85° 30' West, 20:feet to a point on (he boundary line dividing Units 34 and 35; thence along said bounth ary line North 4° 30' East, 41 feet to the point of BEGINNING. BEING Unit #34, Building E, Section B, Phase One ofVillage One Foxlea Residential Community, UNDER AND SUBJECT to all Acts of Assembly, County and Township Ordinances, rights of Public Util- ity and Public Service Companies, existing restrictions and easements, visible or of record to the extent that 98 any persons or entities have acquired legal rights hereto. BEING .THE SAME PREMISES which Ronald G. Weher and Tamara Wehler, his wife, by Deed dated January 8, 2010 and recorded May 4, 2010 in the Office of the Recorder of Deeds in and for Cumberland County in Instrument No. 201011368, granted and conveyed unto ,Nicole R. Temp erato. BEING KNOWN AS: 34 Drexel Place, New Cumberland,' PA 17070. PARCEL #13-25-0008-002A, rf PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 11, July 18 and July 25, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Marie Coyne, Editor SWORN TO AND SUBSCRIBED before me this 5 day of July, 2014 Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO., CUMBERLAND CNTY My Commission Expires Apr 28, 2018 The Patriot -News Co. ti 1900 Patriot Drive Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 he patriot News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Amy Kotula, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 1900 Patriot Drive, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday Patriot -News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 14-1045 Civil Term BS CITIZENS, N vs. COLE R TEMPER TO Atty: Gregory Javardian ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Lower Allen, in the County of Cumberland and Commonwealth of Pennsylvania. more particularly described as follows: In accordance with a survey of plan prepared by Genit J. Betz Associates, Inc., Engineers and Surveyors, Shiremanstown, Pennsylvania, dated April 6, 1979 and revised June 6, 1979, as follows, to wit: BEGINNING at an interior point, which point is measured South 85° 30' East, 14 feet from a point, which point is measured South 4° 30' West, 51 feet from a point, which point is measured South 85° 30' East, 149 feet from a point on the Eastern right of way line of Harrison Drug; tti_ nncs continuing South 85° 30' East, 21 feet to the boundary line dividing Units 34 and 35 and the true point of beginning; thence continuing South 85° 30' East, This ad ran on the date(s) shown below: 07/13/14 07/20/14 07/27/14 io6rag Sworn to and_sub cribed before me this 20 day of August, 2014 A.D. COMMONWEALTH Qf pgj4NSYLANIA NOTARIAL SEAL Sheryl Marie Leggore, Notary Public Hampden Twp., Cumberland County My Commission Expires July 16, 2018 MEMBER, PENNSYLVANIA ASSOCIATION.OF NOTARIES COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Tammy Shearer, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Federal National Mortgage Association is the grantee the same having been sold to said grantee on the 3rd day of September A.D., 2014, under and by virtue of a writ Execution issued on the 3rd day of June, A.D., 2014, out of the Court of Common Pleas of said County as of Civil Term, 2014 Number 1045, at the suit of RBS Citizens NA against Nicole. R. Temperato is duly recorded as Instrument Number 201424427. IN TESTIMONY WHEREOF, I have hereunto set my hand o? day of and seal of said office this ,A.D. c2©/'{ Recorder of Deeds eeds, Cumberland County, Carlisle, PA My Com 1. Sion Expires the First Monday of Jan. 2018