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i Supreme Court o Pennsylvania Coulr ,o Comr> ; i Pleas ' For:Prothotro t.l'SeOtJly:. . r 'itC��Qr, eet CUNICounty Docket'No 777e ir7/OJ7)Jalion collected on this form is used solely for court c7d)1MJis17•01i011 J)10 lases_ 771is f0Y7)J does 1701 sJj,pI)Ieinent or replace the fTi77?Cllld SE'.)9'TCF'U/'}rleadin s c,r otTJc-)•Posers•as rec7zfirc�cT br Ir,�a'CJT TI.tIL-'S'(Yf CUiIJ'f. `'•' `"'` Commencement of Action: =-- `` ®Complaint ❑Writ of Summons ElPetition ❑Transfer from Another Jurisdiction ❑ Declaration of Taking Lead.Plaintiff's Name: Lead Defendant's Name: `> BANK OF AMERICA,N.A., SUCCESSOR BY Jerry L.Shields,et al MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS . - SERVICING,LP ?' ;= r Dollar Amount Requested: ❑within arbitration limits Are money damages requested. Yes ®No ? ; E] check one) ❑outside arbitration limits Is this a Class Action Suit? EJ Yes ®No Is this an MDJAppeal? ❑Yes ®No -- Name of Plaintiff/Appellant's Attorney: Robert W. Williams,Esquire ❑ Check here if you have no attorney(are a Self-Represeated (Po Sej Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARYCASE.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 ' [I Buyer Plaintiff Administrative Agencies ! ❑ Malicious Prosecution El Debt Collection:Credit Card ❑ Board of Assessment ❑ Motor Vehicle El Nuisance ElDebt Collection:Other ElBoard of Elections C] Premises Liability ❑ Dept.of Transportation ❑ Product Liability(does not include ❑ statutory Appeal:Other mass tort) ❑ Employment Dispute: ❑ Slander/Libel/Defamation Discrimination . ❑ Outer: F-1EmploymentDispute:Outer El7_oning Board ❑ Other: MASS TORT EJ Other: Asbestos ❑ Tobacco El Toxic Tort—DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort—Implant = - [IEjectment ElCommon Law/Statutory Arbitration ❑ Toxic Waste El other. ElEminent Dom ainm /Condenation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ___ ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations PROFESSIONAL LIABILITY ® Mortgage Foreclosure:Residential Restraining Order -_ ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Dental _ El Partition [I Replevin f is ❑ Legal ❑ Quiet Title ❑ Other. ❑ Medical ❑ Other: ___ _- ❑ Other Professional: MILSTEAD &ASSOCIATES, LLCC` pr ; t BY: Robert W. Williams, Esquire 10so t ID No. 315501 �f(,IL _3 4.V 1 E. Stow Road t 11: 20 Marlton, NJ 08053 CfrPLrg}L No cajjN� (856) 482-1400 Attorney for Plainti i 1 LV'jN/A Y File: 45.34107 BANK OF AMERICA, N.A., SUCCESSOR COURT OF COMMON PLEAS BY MERGER TO SAC HOME LOANS CUMBERLAND COUNTY SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP 7105 Corporate Drive Plano, TX 75024, JV, No.: Plaintiff, CIVIL ACTION/RESIDENTIAL OWNER Vs. OCCUPIED MORTGAGE FORECLOSURE Jerry L. Shields 27 Cleverburg Road Shippensburg, PA 17257, and Tammy Y. Shields 27 Cleverburg Road Shippensburg,PA 17257, I Defendants NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP., IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle,PA 17013 717-249-3166 800-990-9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 9. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD &ASSOCIATES,LLC BY: Robert W. Williams,Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff BANK OF AMERICA,N.A., SUCCESSOR COURT OF COMMON PLEAS BY MERGER TO BAC HOME LOANS CUMBERLAND COUNTY SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP 7105 Corporate Drive Plano, TX 750247 No.: Plaintiff, CIVIL ACTION/RESIDENTIAL OWNER OCCUPIED MORTGAGE Vs. FORECLOSURE Jerry L. Shields 27 Cleverburg Road Shippensburg, PA 17257, and ' Tammy Y. Shields 27 Cleverburg Road Shippensburg,PA 17257, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, BANK OF AMERICA,N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP (the. "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 7105 Corporate Drive, Plano, TX 75024, 2. Defendants, Jerry L. Shields and Tammy Y. Shields, (collectively,the "Defendants"), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated December 1, 2000, recorded December 14, 2000 in Deed Book 235, Page 1107,' Instrument 2000-035390. The Deed is attached hereto as Exhibit"A"and made a part hereof. 3. Defendant Jerry L. Shields,upon information and belief, resides at 27 Cleverburg Road, Shippensburg, PA 17257. Defendant Tammy Y. Shields, upon information and belief,resides at 27 Cleverburg Road, Shippensburg, PA 17257. 4. On.July 23, 2009, in consideration of a loan in the principal amount of$114,119.00, the Defendants executed and delivered to Taylor, Bean&Whitaker Mortgage Corp. a note (the "Note") with interest thereon at 5.7.500 percent per annum,payable as to the principal and interest in equal monthly installments of$665.97 commencing September 1, 2009. BANK OF AMERICA,N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING,LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP Noteholder, directly or through an agent, has possession of the Promissory Note. The Promissory Note has been duly endorsed. The Note is attached hereto as Exhibit"B"and made a part hereof. 5. To secure the obligations under the Note, the Defendants executed and delivered to Mortgage Electronic Registration Systems, Inc., solely as nominee for Taylor,Bean& Whitaker Mortgage Corp. a mortgage(the"Mortgage") dated July 23, 2009, recorded on August 6,2009 in the Department of Records in and for the County of Cumberland under Instrument 200927677. The Mortgage is attached hereto as Exhibit"C" and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded January 13, 2012 under Instrument 201201344. The recorded Assignment of Mortgage is attached hereto as Exhibit"D" and made a part hereof. 7. The Mortgage secures the following real property (the"Mortgaged Premises"): 27 Cleverburg Road, Shippensburg, PA 17257. A legal description of the Mortgaged Premises is attached hereto as Exhibit"E"and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due February 1, 2010, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ....................................$113,517.52 Accrued but Unpaid Interest from 1/l/10 to 5/23/14........................................$28,678.30 Assesses Late Charges....................................$998.70 Escrow Advances .......................................$18,651.02 Utilities/Repair/Yard Main............... .....$6,495.10 Property Inspections ....................................$6,132.00 TOTAL as of 05/23/2014........................$174,472.64 Plus,the following amounts accrued after May 23, 2014: Interest at the Rate of 5.7500 percent per annum ($17.8828_per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c)of the 1,983 Session of the General Assembly("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 27 Cleverburg Road, Shippensburg,PA 17257 on May 17, 2013,the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit"F" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $174,472.64,plus the following amounts accruing after May 23, 2014, to the date of judgment: (a) interest of$17.8828 per day, (b) late charges per month if applicable, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. TEAD & ASSOCIATES, LLC Date: d \ LI Rob rt W. Williams, Esquire Attorney for Plaintiff VERIFICATION hereby states that he/ b 's I�� ��� Q of BANK OF AMERICA,N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, Plaintiff in this matter, that he/&is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. 0ameF4NzMttrC/jj,n M4 VjV1 Title: ASS I&W(It \/l W PI/Qi(S'IIE'/I� DATE: �fny Z3, Zu�� 01�1{� ( Almon Cd , A. File#: 45.34107 Name: Jerry L. Shields Tammy Y. Shields Exhibit A COuf4TY-PA TAX PARCEL NO. ' 37-aQga O`IS .00 DEC 1LI Dry 10 36 THIS DEED st MADE TH)E t day of at the year of our Lord two thousand (2000). BETWEEN ROBERT F BlflFtGNFJt and DORM M_131LBGNIER his wife,of Chambersburg, Pennsylvania,hereinafter called GRANTORS AND JERRY j-SEHIMS and TAMMY Y.HUMUS.his yam,of27 Clevcrsburg Road, Shippensburg,Pennsylvania,hereinafter called GRANTEES WITNESSETH,that for and in consideration ofthe sum of Fifty-six Thousand Five Hundred and 00/100($56,500.00)Dollars consideration,in hand paid,the receipt whereof is hereby acknowledged,the said Grantors do hereby grant and convey,in fee simple,to the said Grantees,their heirs and assigns, ALL that certain tract ofland situated in the Village ofCleversburg,Township of South Hampton,County of Cumberland,and State of Pennsylvania,more fully described as follows to wit: BEGINNING at a comer in the middle of an alley on Main Street,it being on corner of lot formerly of William J.Yehigst;thence along said street,Southwardly Forty-seven(47)feet to a comer in said street;thence due West along a line of Conrad Clever,One Hundred Seventy-two (172)feet to a post on land of Charles Reber,thence North two degrees West Fifty-three(53) feet to a post on line of lot formerly of William J.Yeingst;thence along said line in the middle of an alley North Eighty-eight(88)degrees East One Hundred Seventy-four(174)feet to the place of BEGINNING. TRACT NO.2: ALL that certain tract of land situate in the Township of Southampton,County of Cumberland,and State of Pennsylvania,bounded and described as follows,to wit: BEGINNING at a point on Main Street in the Village of Cleversburg on line of land now or formerly of Bruce Hancock and Cora B.Hancock,his wife;thence along the line of said Hancock's land,North eighty-eight(88)degrees West one hundred seventy-two(172)feet to a point at fine of land now or formerly of Lloyd B.Stine;thence along said Stine's land,fifty(50) 90Ud 235 PA511107 r feet,more or less,to a point;thence in an easterly direction along the line of lands now or formerly of C.E.Reber,one hundred seventy-five(175),more or less,to a point in Main Street, this line beginning parallel to aforesaid line of one hundred seventy-two(172)feet;thence in a northerly direction 50 feet along Main Street to the place of BEGINNING. BEING the same property which Roger C.Hancock and William C.Hancock,Executors of the Estate of Cora L.Hancock,deceased,Ala Cora B.Hancock by deed dated the 25th day of May,1995,and recorded the 26th day of May,1995,granted and conveyed to Robert E. Burgner and Doris M.Burgner,husband and wife,Grantors herein. AND the said Grantors covenant and agree that they will warrant specWly the property hereby conveyed. IN WITNESS WHEREOF,said Grantors have hereunto set their hands and seats the day and year first above written. Signed,sealed and delivered in the presence of: J "'h_ Q f �a�_ ._(SEAL) ROBERTE,BURGNER ¢" (SEAL) DORIS M.BURGHER COMMONWEALTH OF P + A : SS U/ COUNTY OF 1 mG4 ON this;.the_�&day of 2000,before me,the undersigned officer,personally appeared Robert E.Burgner and Doris M.Bursner,his wife,known to me(or satisfactorily proven)to be the persons whose cremes are subscribed to the within instrument,and acknowledged that they eftecuted same for the purposes therein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. Notary Pu c 4 Npferl d gee! Pub9c w9 • Ia.2003 2 enuK 235 PACEM8 I do hereby certify that the precise residence and complete post office address of the within named Grantees is: 27 Cleversburg Road,Shippensburg PA 17257 Date:1' `nt" F P Agent for i9rantee, COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF CUMBERLAND RECORDED on this day o£ ri A.D.,2000,in the Recorder's Office of the said County,i Deed Book Page Given under my hand and the seal of the said office,the date above written. Recorder t'�9i11'r�...Ei�f Y,hre gz 3. 0 3 L a �aoaoZgoo d Exhibit B t ?r � r 4? py p NOTE FHA CASE NO. July 23,2009 [Date] 27 C[everburg Road Shippensburg,PA 17257 [Property Address] I. PARTIES "Borrower"means each person signing at the end of this Note,and the person's successors and assigns."Lender"means Taylor,Bean R Whitaker Mortgage Corp. and its successors and assigns. 2. BORROWER'S PROMISE TO PAY;INTEREST In return for a loan received from Lender,Borrower promises to pay the principal sum of One Hundred Fourteen Thousand One Hundred Nineteen and no/100 Dollars(U.S.$114,119.00 ), plus interest,to the order of Lender.Interest will be charged on unpaid principal,from the date of disbursement of the loan proceeds by Lender,at the rate of Five and Three Quarters percent( 5.7500 %)per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage,deed of trust or similar security instrument that is dated the same date as this Note and called the"Security Instrument."The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on September 01,2009 .Any principal and interest remaining on the first day of August 2039 ,will be due on that date,which is called the"Maturity Date." (B) Place Payment shall be made at Taylor,Bean&Whitaker Mortgage Corp.,1417 North Magnolia Ave,Ocala,FL 34475 or at such other place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S.$665.97 This amount will be part ofa larger monthly payment required by the Security Instrument,that shall be applied to principal,interest and other items in the order described in the Security Instrument AWLTISTATE FHA FIXED RATEI`NOTE 11 II I I I +It 6/96 ITEM 9432LE(02270Sq i��l�l lllll IIT ILII��I�I Ill�l�I����IIII�If��II'I�I'll �I II' III�I��I I��� ,�aoetDo r fF - (D) Allonge to this Note for Payment Adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note,the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as ifthe allonge were a part of this Note.(Check applicable box.) Q Growing Equity Allonge 0 Graduated Payment Allonge Q Other[specify] S. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note,in whole or in part,without charge or penalty,on the first day of any month.Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary.If Borrower makes a partial prepayment,there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security lnstrument,as described in Paragraph 4(C) of this Note,by the end of fifteen calendar days after the payment is due,Lender may collect a late charge in the amount of Four percent( 4.0000 %)of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay in full any monthly payment,then Lender may,except as limited by regulations of the Secretary in the case of payment defaults,require immediate payment in full of the principal balance remaining due and all accrued interest.Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults.This Note does not authorize acceleration when not permitted by HUD regulations.As used in this Note,`Secretary"means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required immediate payment in full,as described above,Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable lay.Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment"means the right to require Lender to demand payment of amounts due."Notice of dishonor"means the right to require Lender to give notice to other persons that amounts due have not been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method,any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address ifBorrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B)or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER 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.Lender may enforce its rights under this Note against each person individually or against all signatories together.Any one person signing this Note may be required to pay all of the amounts owed under this Note. MULTISTATE FHA FIXED RATE NOTE 6196 Mu1MsrATE am.rio=- ITEM 643212(022709) (Page 2 of 3) �s BY SIGNING BELOW,Borrower accepts and agrees to the ter and covenants contained in pages I through 3 ofthis Note. :z A('� r Shields -Bo(rsro—r {Beau ry Tammy Y.Sh ds -Borrower (Seal - (Seal) Borrower -BORO\YCC Seal ^BOirowCC (Seat) -BoRo\ver Without recourse,pay to the order of By:Taylor,Bean&Whitaker Mortgage Corp. ErinCarter-Shaw,E.V.P. [Sign Original Onlyj MULTISTATE FHA FIXF_D RATE NOTE 6196 MULTISTATE Gtoo - REM 0432L3(MMS) (Pegs 3 af3) Exhibit C `�� 001 1M 7 prepared By:Taylor,Bean&VVhitaker Mortgage Corp. 1417 North Magnolia Ave Ocala,FL 34475 (352)351'I I(A Return To: AFTER RECORDING,MAIL TO ENTITLE INSURANCE COMPANY 4600 ROCKSIDE ROAD—SUITE 104 INDEPENDENCE,ON 44131 ATTN: ANNA E VASU Parcel No.: 39-372988-045 ISpace Above The Liao For Recording Dahl MORTGAGERiA CASE NO. MIN:160029500034189377 THIS MORTGAGE("Security Instrument')is given on July 23,2009 The mortgagor is Jerry L.Shields and Tammy Y.Shields ("Borrower").This Security Instrument is given to Mortgage Electronic Registration Systems,Inc.("MERS').MFRS is a separate corporation that is acting solely as nominee for Lender and Lender's successors and assigns.MERS is the mortgagee under this Security Instrument MERS is organized and existing under the laws of Delaware,and has an address and telephone number of 3300 S.W.34th Avenue,Suite 101,Ocala,FL 34474 or P.O.Boz 2026,Flint,MI 48501-2026,tel.(888)679-MFRS. Taylor,Bean&Whitaker Mortgage Corp. ("Lender')is organized and existing under the laws of FL and has an address of 1477 North Magnolia Ave,Ocala,FL 34475 Borrower owes Lender the principal sum of One Hundred Fourteen Thousand One Hundred Nineteen and nof100 Dollars(U.S.$114,119.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on August 01,2039 .This Security Instrument secures to Lender(a)the repayment ofthe debt evidenced by the Note,with interest,and all renewals,extensions and modifications of the Note;(b)the payment of all other sums,with interest,advanced under paragraph 7 to protect the security of this Security Instrument;and (c)the performance of Borrower's covenants and agreements under this Security Inswment and the Note.For PENNSYLVANIA FRA MORTGAGE Ii1I N I Q%DEEM 277SL us1 5 1 III INTI I�I I'll"III�I�IIT�III'III)I��III ��I VIII I'�I�'i this purpose,Borrower does hereby mortgage,grant and convey to MERS(solely as nominee for Lender and Lender's successors and assigns)and to the successors and assigns of MFRS the following described property located in Cumberland County,Pennsylvania: See Attached Exhibit A. which has the address of 27 Cleverburg Road (S-1 Shippensburg Pennsylvania 17257 ("Property Address"); [City] (Zip Codd 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 understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument,but,if necessary to comply with law or custom,MERS(as nominee for Lender and Lenders successors and assigns)has the right:to exercise any or all of those interests,including, but not limited to,the right to foreclose and sell the Property;and to take any action required of Lender including,but not limited to,releasing and canceling this Security Instrument- 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 and Late Charge.Borrower shall pay when due the principal of, and interest on,the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes,Insurance,and Other Charges. Borrower shall include in each monthly payment,together with the principal and interest as set forth in the Note and any late charges,a sum for(a)taxes and special assessments levied or to be levied against the Property,(b)leasehold payments or ground rents on the Property,and(c)premiums for insurance required under paragraph 4.In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"),or in any year in which such premium would have been required if Lender still held the Security Instrument,each monthly payment shall also include either:(i)a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,or(ii)a monthly charge instead of a mortgage insyrance premium if this Security Instrument is held by the Secretary,in a reasonable amount to be determined by the PENNSYLVANIA FRA MORTGAGE 6196 nr.roam• POt"YLVANMaERS fPw.tar B) REM 27x$2(OGMSI Secretary.Except for the monthly charge by the Secretary,these items are called"Escrow Items"and the sums paid to Lender are called"Escrow Funds." Lender may,at any time,collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C.§2601 et seq.and implementing regulations,24 CFR Part 3500,as they may be amended from time to time("RESPA"),except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA.if the amounts of funds held by Lender at any time are not sufficient to pay the Escrow items when due,Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument-If Borrower tenders to Lender the full payment of all such sums,Borrower's account shall be credited with the balance remaining for all installment items(a),(b),and(c)and any mortgage insurance premium installment that Lenderhas not become obligated to pay to the Secretary,and Lender shall promptly refund any excess funds to Borrower.Immediately prior to a foreclosure sale of the Property or its acquisition by Lender,Borrower's account shall be credited with any balanceremaining for all installments for items(a),(b),and(c). 3. Application of Payments.All payments under paragraphs I and 2 shall be applied by Lender as follows: FIRST,to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; SECOND,to any taxes,special assessments,leasehold payments or ground rents,and fire,flood and other hazard insurance premiums,as required; THIRD,to interest due under the Note; FOURTH,to amortization of the principal of the Note;and FIFTH,to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property,whether now in existence or subsequently erected,against any hazards,casualties,and contingencies, including fire,for which Lender requires insurance.This insurance shall be maintained in the amounts and for the periods that Lender requires.Borrower shall also insure all improvements on the Property,whether now in existence or subsequently erected,against loss by floods to the extent required by the Secretary.All insurance shall be carried with companies approved by Lender.The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of,and in a form acceptable to,Lender. In the event of loss,Borrower shall give Lender immediate notice by mail.Lender may make proof of loss if not made promptly by Borrower.Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender,instead of to Borrower and to Lender jointly.All or any part of the insurance proceeds may be applied by Lender,at its option,either(a)to the reduction of the indebtedness under the Note and this Security.Instrument,first to any delinquent amounts applied in the order in paragraph 3,and then to prepayment of principal,or(b)to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2,or change the amount of such payments.Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness,all right,title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. PENNSYLVANIA FHA MORTGAGE 6/96 PmNsyw W-W-Ps � • FTEM 27750 061196) ream 3 ND) 5. Occupancy,Preservation,Maintenance and Protection of the Property; Borrower's Loan Application;Leaseholds.Borrower shall occupy,establish,and use the Property as Bottowcr`s principal residence within sixty days after the execution of this Security Instrument(or within sixty days of a later sale or transfer of the Property)and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender determines that requirement will cause undue hardship for Borrower,or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances.Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate,reasonable wear and tear excepted.Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property.Borrower shall also be in default if Borrower,during the loan application process,gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material information)in connection with the loan evidenced by the Note,including,but not limited to,representations concerning Borrower's occupancy of the Property as a principal residence.if this Security Instrument is on a leasehold,Borrower shall comply with the provisions ofthe lease.If Borrower acquires fee title to the Property,the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation.The proceeds of any award or claim for damages, direct or consequential,in connection with any condemnation or other taking of any part of the Property,or for conveyance in place of condemnation,are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security instrument.Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument,first to any delinquent amounts applied in the order provided in paragraph 3,and then to prepayment of principal.Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2,or change the amount of such payments.Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property.Borrower shall pay all governmental or municipal charges,fines and impositions that are not included in paragraph 2.Borrower shall pay these obligations on time directly to the entity which is owed the payment.if failure to pay would adversely affect Lender's interest in the Property,upon Lender's request Borrower shall promptly fumish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2,or fails to perform any other covenants and agreements contained in this Security Instrument,or there is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding in bankruptcy,for condemnation or to enforce laws or regulations),then Lender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in the Property,including payment oftaxes,hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this Security Instrument.These amounts shall bear interest from the date of disbursement at the Note rate,and at the option of Lender shall be immediately due and payable. 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:(b)contests in good faith the lien by,or defends against enforcement of the lien in,legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien;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 may attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. PENNSYLVANIA FHA MORTGAGE 6196 anatacc• PENNSVLVAN1AWERS 6'�qp4a 9) ITEM 2775LA tW1108) 8. Fees.Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default Lender may,except as limited by regulations issued by the Secretary in the case of payment defaults,require immediate payment in full of all sums secured by this Security Instrument if.. (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment,or (ii) Borrower defaults by failing,for a period of thirty days,to perform any other obligations contained in this Security Instrument (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law(including section 341(d)of the Garn-St.Germain Depository Institutions Act of 1982,12 U.S.C.1701]-3(d)) and with the prior approval of the Secretary,require immediate payment in full of all sums secured by this Security Instrument if: (i) All or part of the Property,or a beneficial interest in a trust owning all or pad of the Property,is sold or otherwise transferred(other than by devise or descent),and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property,but his or her credit has not been t approved in accordance with the requirements of the Secretary. (c) No Waiver.If circumstances occur that would permit Lender to require immediate payment in full,but Lender does not require such payments,Lender does not waive its rights with respect to subsequent events. (d) Regulations of HUD Secretary.In many circumstances regulations issued by the Secretary will limit Lender's rights,in the case of payment defaults,to require immediate payment in full and foreclose if not paid.This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations ofthc Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within eight months from the date hereof. Lender may, at its option require immediate payment in full of all stuns secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to eightmonths from the date hereof,declining to insure this Security instrument and the Note,shall be deemed conclusive proof of such ineligibility.Notwithstanding the foregoing,this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement.Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument.This right applies even after foreclosure proceedings are instituted.To reinstate the Security Instrument,Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including,to the extent they are obligations of Borrower under this Security Instrument,foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding.Upon reinstatement by Borrower,this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full.However,Lender is not required to permit reinstatement if(i)Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding,(ii)reinstatement will preclude foreclosure on different grounds in the future,or(iii)reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender PENNSYLVANIA FRA MORTGAGE 6(% G-Amle 1`12MNSYLVANIA-HERS P..w 5 a a) ITEM 27/5L5(061108) to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest.Any forbearance by Lender in exercising any right or remedy shall not he a waiver of or preclude the exercise of any right or remedy. 12. Suceessors and Assigns Bound;Joint and Several Liability;Co-Signers.The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower,subjeetto the provisions ofparagraph 9(b).Borrower's covenants and agreements shall be jointand several.Any Borrower who co-signs this Security Instrument but does not execute the Note:(a)is co-signing this Security Instrument only to mortgage,grant and convey that Borrowers 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 may agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method_The - notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower.Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14. Governing Law;Severability.This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located.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.To this end the provisions orchis Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous Substances.Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous Substances on or in the Property.Borrower shall not do,nor allow anyone else to do, anything affecting the Property that is in violation ofany Environmental Law_The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that arc generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of 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.if Borrower learns,or is notified by any governmental or regulatory authority,that any removal or other remediation of any Hazardous Substances affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances- are those substances defined as toxic or hazardous substances 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.As used in this paragraph 16,"Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection. PENNSYLVANIA FHA MORTGAGE 6196 n,x1D9m' P901SYLVAN"ERs 1P19.6019) ITEM 2T751.6(6B1t66) NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents.Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property.Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents.However,prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower.This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. I f Lender gives notice of breach to Borrower:(a)all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only,to be applied to the sums secured by the Security Instrument;(b)Lender shall be entitled to collect and receive all of the rents of the Property;and(c)each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant_ Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon,take control of or maintain the Property before or after giving notice of breach to Borrower.However,Lender or a judicially appointed receiver may do so at any time there is a breach.Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender.This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure.If Lender requires immediate payment in full under paragraph 9,Lender may foreclose this Security Instrument by judicial proceedings.Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 18,including,but not limited to,attorneys'fees and costs of title evidence to the extent permitted by applicable law. If the Lenders interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under paragraph 9,the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994("Act")(12 U.S.C.3751 et seq.)by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act.Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph 18 or applicable law. 19. 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 ofthe fee is permitted under applicable law. 20. 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 oftime,exemption from attachment,levy and sale,and homestead exemption. 21. Reinstatement Period.Borrower'stimeto reinstate provided in paragraph 10 shall extendto one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 22. 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. 23. 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. PENNSVLVANIA FHA MORTGAGE 6/96 t W_e PE NSYLVAMALrFR7 d 9) REM 2r M7{061109) 24. Riders to ibis Security Instrument If one or more riders are executed by Borrower and recorded together with this Security Instrument,the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s)were apart of this Security Instrument[Check applicable box(es)]. Condominium Rider ❑Graduated Payment Rider Growing Equity Rider F1 Planned Unit Development Rider El Adjustable Rate Rider Rehabilitation Loan Rider Non-Owner Occupancy Rider ❑Other[Specify] BY SIGNING BELOW,Borrower accepts and agrees to the terms contained in pages I through 9 ofthis Security Instrument and in any rider(s)executed by Bo er and record (seal) ed with it. 5 d� Jer weldsB°n° a Tammy Y.Sh ds Borrow r (Seal) (Seal) -Borrower -Borrower (Seal) (Seel) -Borrower -Borrower Signed,sealed and delivered in the presence of. ap. 'I[.swMa Wvnea i Witn J PENNSYLVANIA PHA MORTGAGE 6196 W.tD-- PE MSYlYAHI E" (Pape B oI p) ITEM 2775m(W1 iOB) State of C-61 04 NLLUana 4 County of On this,the day of—T S> atiO4 before me a notary public,the undersigned officer.,personally appeared known to me(or satisfactorily proved)to be the person(s)whose name(s ' are subscribed to the within instrument.and acknowledged thatheLsbelthey executed the same for the purposes therein contained. IN WITNESS WHEREOF,I hereunto set my hand 42.9.r d ffil al. otaty Pub rc D.ELeeo�,-, COMMONWEALTH OF PENNSYLVANIA Not&A&r low Royer 6.uop&r,Noon Pubk Green&Twp.,PWKUn Cwmy My ComMiss n 1110016 hly 2.2012 Member,Pe # Borid Notaries CERTIFICATE OF RESIDENCE do hereby certify that the correct address of the within named lender is 1417 North Magnolia Ave,Ocala, FL 34475 G Witness my hand this,= Apra of teller PENNSVLVANiA FHA MORTGAGE W% 0—0..' -_......_. PENNeYLV/NIAWEN& (Paye 9 ar y) REM 2775Ly(061108) American Land Title Association Commitment Forms Adopted 6!17108 ALTA Commitment Form(REV 6/17/06),Exhibit A Exhibit A TRACT NO.1: All that certain tract of land situated in the Village of Clcversburg,Township of South Hampton,County of Cumberland and State of Pennsylvania,more fully described as follows to wit: Beginning at a comer in the middle of an alley on Main Street,it being on comer of Lot formerly of William 1.Yeingst;thence along said Street,southwardly forty-seven(47)feet to a comer in said street; thence due west along a line of Conrad Clever,one hundred seventy-two(172)feet to a post on land of Charles Reber,thence North two degrees West fifty-three(53)feet to a post on line of lot formerly of William J.Yeingst;thence along said line in the middle of an alley North eighty-eight(88)degrees East one hundred seventy-four(174)feet to the place of beginning. TRACT NO.2: All that certain tract of land Situated in the Village of Clcversburg,Township of South Hampton,County of Cumberland and State of Pennsylvania,more fully described as follows to wit. Beginning at a point on Main Street in the Village of Clcversburg on line of land now or formerly of Bruce Hancock and Core B.Hancock,his wife;thence along the line of said Hancock's Land,North eighty-eight(88)degrees West one hundred seventy-two(172)feet to a point at line of land now or formerly of Lloyd B.Stine;thence along said Stine's land,fifty(50)feet,more or less,to a point;thence in an Easterly direction along the line of lands now or formerly of E.C.Reber,one hundred seventy-five (175),more or less,to a point in Main Street,this line beginning parallel;to aforesaid line of one hundred seventy-two(172)feet;thence in a Northerly direction 50 feet along Main Street,to the place of beginning. Sometimes known as:27 Cleverburg Road,Shippensburg PA 17257 EnTitle Insurance Company ALTA CF/6/17/06 ROBERT P.ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE,PA 17013 717-240-6370 Instrument Number-200927677 *Total Pages-11 Recorded On 8/6/2009 At 1:45:35 PM g *Instrument Type-MORTGAGE Invoice Number-49927 User ID-AF *Mortgagor-SHIELDS,.TERRY L *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer-NATIONAL REAL ESTATE FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING FEES - $23.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 of this legal document. FEES AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $60.50 I Certify this to be recorded in Cumberland County PA cu RE�/ D DS rr3o •-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OOtiMV III IIIIUIIN 11�X111 I�I Exhibit D r3gq Recording Requested By: 002 N Bank of America Prepared By: Diana DeAvila 888-603-9011 450 E.Boundary St, Chapin,SC 29036 When recorded mail to: CoreLogic 450 E.Boundary St. Attn:Release Dept. Chapin,SC 29036 111111111111111101111�ISI�11i Mii�11 DoclD# l Tax ID: 39-37-2092-045 Property Address: 27 Cleversburg Rd Shippensburg,PA 17257-9410 Property Location: Township of SOUTH HAMPTON PAO-AM 16667417 1lsn012 This space for Recorder's am MIN#: 10DO29500034189377 MERS Phone#: 888-679-6377 ASSIGNMENT OF MORTGAGE For Value Received,the undersigned holder of a Mortgage(herein"Assignor")whose address is 1901 E Voorhees Street,Suite C,Danville,IL 61834 does hereby grant,sell,assign,transfer and convey unto BANK OF AMERICA,N.A.,SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING,LP FKA COUNTRYWIDE HOME LOANS SERVICING,LP whose address is 451 7TH ST.SW#B-133, WASHING'T'ON DC 20410 all beneficial interest under that certain Mortgage described below together with the note(s)and obligations therein described and the money due and to become due thereon with interest and all rights accrued or to accrue under said Mortgage. Original Lender: TAYLOR,BEAN&WHITAKER MORTGAGE CORP. Mortgagor(s): JERRY L.SHIELDS AND TAMMY Y.SHIELDS Date of Mortgage: 7/23/2009 Original Loan Amount: $114,119.00 Recorded in Cumberland County,PA on:8/6/2009,book N/A,page N/A and instrument number 200927677 This Mortgage bas not been assigned unless otherwise stated below: IN WITNESS WHEREOF,the undersigned has caused this Assignment of Mortgage to be executed on Z MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. By: T861stw"Seem" State of California County of Ventura On JAN-05 2012 before me, Deborah L Beard Notary Public,personally appeared who proved to me on the basis of satisfactory evidence to be the person(whose name( i�c subscribed to the within instrument and acknowledged to me that she xecuted the same y"' authorized capacity 4i"),and that by er ignature(()on the t strument the person(p,or the entity upon behalf of which the person(}acted,executed the instrument. 1 certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct, WITNESS my hand and official seal. DEBORAH 1~BEARD Commission#11153913 Notary Public-California z Notary Public: DebdMff L.Beard (Seal) = Ventura County My Commission Expires: JltfiB 26,2013 My Comm.Expires Jun 26,2013 I hereby certify that the address of the within named assignee is: 451 7TH ST SW 1tB-133,WASHINGTON DC 20410 Signature DocID# 6162387395819568 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE - CARLISLE, PA 17013 - 717-240-6370 Instrument Number-201201344 Recorded On 1/13/2012 At 11:53:15 AM *Total Pages-3 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-100164 User ID-KW *Mortgagor-SHIELDS,JERRY L *Mortgagee-BANK OF AMERICAN A *Customer-CORELOGIC *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA RECORDER O D EDS __.. nso "-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 002JIN III I�IlllllllllllNllllllll Exhibit E t.. TRACT NO.1: All that certain tract of land situated in the Village of Cleversburg,Township of South Hampton,County of Cumberland and State of Pennsylvania,more fully described as follows to wit Beginning at a comer in the middle of an alley on Main Street,it being on corner of Lot formerly of William J.Yeingsh thence along said Street,southwardly forty-seven(47)feet to a corner in said street; thence due west along a line of Conrad Clever,one hundred seventy-two(172)feet to a post on land of Charles Reber thence North two degrees West fifty-three(53)feet to a post on line of lot formerly of WiIliarn 1.Ycingst;thence along said line in the middle of an alley North eighty-eight(8 8)degrees East one hundred seventy-four(174)feet to the place of beginning. TRACT NO.2: All that certain tract of land Situated in the Village of Cleversburg,Township of South Hampton,County of Cumberland and State of Pennsylvania,more fully described as follows to wit: Beginning at a point on Main Street in the Village of Cleversburg on line of land now or formerly of Bruce Hancock and Cora B.Hancock,his wife;thence along the line of said Hanweles Land,North eighty-eight(88)degrees West one hundred seventy-two(172)feet to a point at line of land now or formerly of Lloyd B.Stine;thence along said Stine's land,fifty(50)feet,more or less,to a point;thence in an Easterly direction along the line of lands now or formerly of E.C.Reber,one hundred seventy-five (175),more or less,to a point in Main Street,this line beginning parallel;to aforesaid fine of one hundred seventy-two(172)feet;thence in a Northerly direction 50 feet along Main Street,to the place of beginning. Exhibit F PO Box 9048 Temecula,CA 92589.9048 7196 9006 9296 7210 0011 20130517.7 JERRY SHIELDS 27 Cleverburg Road Shippensburg, PA 17257-9410 ra May 17, 2013 Certified Mail: 7196 9006 9296 7210 0011 JERRY SHIELDS Return Receipt Requested 27 Cleverburg Road Shippensburg, PA 17257-9410 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The names. addresses and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency maybe able to help explain it. You may also want to contact an attorney in your-area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N 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 CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 7196 9006 9296 7210 0011 HOMEOWNER'S NAME(S): JERRY SHIELDS, TAMMY SHIELDS PROPERTY ADDRESS: 27 Cleverburg Road Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: TAYLOR BEAN&WHITAKER MORTGAGE CORP CURRENT LENDERISERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30)days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAUL-17. EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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. (ff you have filed bankruptcy you can stili apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 27 Cleverburg Road Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 02101/2010 - 11/3012011 @ $938.16 $20,639.52 12/01/2011 - 05/31/2013 @ $1528.11 $27,505.98 Late Charges: 12/01/2010 - 02/28/2013 @ $33.29 $898.83 04/01/2013 - 05/31/2013 @ $33.29 $66.58 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $5,259.65 Partial Payment Balance: 0.00 TOTAL AMOUNT PAST DUE: $54,370.56 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 $54,370.56, 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: Bank of America, N.A.at P.O.Box 15222 Wilmington, DE 19886-5222 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. 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 attomeys'fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY(30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)DAY period and foreclosure proceedings have begun,you still have the rightto cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performinq 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 Sheriff's Sale of the mortgage property could be held would be approximately six(6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America,N.A. Address: PO Box 5170 Simi Valley,CA 93062-5170 Phone Number: 800-669-6654 Fax Number: 1-800-520-5019 Contact Person: General Collections E-Mail Address: correspondencesupport@bankofamedca.com This is not a secure email address; privacy is limited. Accordingly, confidential information, including account information and personallyidentifiable information should not be transmitted by this non-encryptedemail.If you prefer to send confidentialinformation Via e-mail,please contact us at the telephonenumber above,and we will arrangefor an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time_ ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attomey's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE. OF A .DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 7196 9006 9296 7210 0011 "MAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated:03/201201302:18 PM, Advantage Credit Counseling Service/CCCS of Western PA Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg,PA 17102 Dallastown,PA 17313 888-511-2227 888-511-2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg,PA 17104 York,PA 17401 717-232-9757 717-855-2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro,PA 17268 Chambersburg,PA 17201 717-762-3285 717-264-5913 PA interfaith.Community Programs Inc 40 E High Street Gettysburg,PA 17325 717-334-1518 71% 9006 9296 7210 0011 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:0312012013 02:18 PM Advantage Credit Counseling Service/CCCS of Western PA Conununity Action Conmiission of Capital Region 2000 Linglestown Road 1514 Deny Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of YorklY Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,P.4 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E Nigh Street 211 North Front Street Ciattysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 71% 9006 9296 7210 0011 C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services"). Bank of America,. N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htto://www.bankofamerica.com/defauitfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNELISERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9296 7210 0011 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneracion de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacion, una demands de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificacibn de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su prestamo para vivienda esta obligado por ley a informarle a usted que esta comunicacion proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en. la aceleracion de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicarA cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: [htto://www.bankofamerica.00m/defaultfees]. Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sebados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a is cuenta de su prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su conyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las Jeyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califioue, incluidas protecciones contra la ejecucion hipotecaria asi como tambien ayuda en la tasa de interes. Para obtener mss informacion y determinar su calificacion por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. 7196 9006 9296 7210 0011 C3_5088 OPTAVDFC 15319 09/24i2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home ... ....... Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program(HAMp) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: I • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time,to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate,extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration (FHA)loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options-to consider if you cannot or do not wish to stay in your home ...... . ... . .... o. ...................................... ......... "WX Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your service r1l enderli nvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe,a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home I retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 7210 0011 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al n6mero que aparece en la notification adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Qpciones a considerar si su objetivo es permanecer en su casa Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir is reducci6n de la tasa de interes, agregar Program(HAMP) I cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 dolares para una propiedad de 2 unidades,$1,129,250 dolares para una propiedad de 3 unidades o$1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no esta en malas condiciones fisicas tomo para no poder habitarse incluso si no este condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo,aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago i Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucion hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modification de Una modificaci6n del pr6stamo es un cambio en los terminos originates de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que esta vencido. 7196 9006 9296 7210 0011 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una yenta en Program(HAFA) descubierto y,si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador J prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted estA de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en �'Si usted ya no puede hater sus pagos hipotecarios y su vivienda vale menos de to que descubierto J usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor ejecuci6n { de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria(no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa tomo una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en Lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecuci6n hater que el monto total vencido de esa hipoteca se considere coma pagado. Se ofrece a hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda,y que medio de HAFA) no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PO Box 9048 Temecula,CA 92589-9048 7196 9006 9296 7210 0004 20130517-7 "'Ill�l'I�illl'�III���II�I�I��I�111���1�1��11�1���1��11��1111�11 TAMMY SHIELDS 27 Cleverburg Road Shippensburg, PA 17257-9410 1wivi s , May 17, 2013 Certified Mail: 7196 9006 9296 7210 0004 TAMMY SHIELDS Return Receipt Requested 27 Cleverburg Road Shippensburg, PA 17257-9410 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when You meet with the Counseling_Agency. The names, addresses and phone number of Consumer Credit Counselinq 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 1-717-780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 7196 9006 9296 7210 0004 HOMEOWNER'S NAME(S): JERRY SHIELDS,TAMMY SHIELDS PROPERTY ADDRESS: 27 Cleverburg Road Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: TAYLOR BEAN&WHITAKER MORTGAGE CORP CURRENT LENDER/SERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lenderimmediately 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 with thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. 1F YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION 1S EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 27 Cleverburg Road Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 02/01/2010 - 11/30/2011 @ $938.16 $20,639.52 12/01/2011 - 05/31/2013 @ $1528.11 $27,505.98 Late Charges: 12/01/2010 - 02/28/2013 @ $33.29 $898.83 04/01/2013 - 05/31/2013 @ $33.29 $66.58 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $5,259.65 Partial Payment Balance: 0.00 TOTAL AMOUNT PAST DUE: $54,370.56 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 $54,370.56, 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: Bank of America, N.A. at P.O.Box 15222 Wilmington, DE 19886-5222 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 riahts to accelerate the mortaaae 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 Vour mortaaaed property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred, up to$50.00. However, if legal proceedings are started against you,you will have to pay all reasonable attomeys'fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other N 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 Sheriff's Sale of the mortgage property could be held would be approximately six(6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America, N.A. Address: PO Box 5170 Simi Valley,CA 93062-5170 Phone Number: 800-669-6654 Fax Number: 1-800-520-5019 Contact Person: General Collections E-Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address; privacy is limited. Accordingly, confidential information, including account information and personallyidentifiableinformation should not be transmitted by this non-encryptedemail.If you prefer to send confidentialinformationvia e-mail,please contact us at the telephonenumber above,and we will arrange for an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 7196 9006 9296 7210 0004 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated:03/20/2013 02:18 PM Advantage Credit Counseling Service/CCCS of Western PA Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg,PA 17102 Dallastown,PA 17313 888-511-2227 888-511-2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Deny Street 290 West Market Street Harrisburg,PA 17104 York,PA 17401 717-232-9757 717-855-2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro,PA 17268 Chambersburg,PA 17201 717-762-3285 717-264-5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg,PA 17325 717-334-1518 W 7196 9006 9296 7210 0004 'MAP Consumer Credit Counseling Agencies CUMBERLAND County Rcport last updated:03120/2013 02:15 PM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 7196 9006 9296 7210 0004 C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http:/Iwww.bankofamerica.com/defauitfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9296 7210 0004 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda esM obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: [httr)://www.bankofamerica.com/defaultfeesl. Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal' del servicio militar que califique, incluidas protecciones contra la ejecuci6n hipotecaria asi tomo tambi6n ayuda en la tasa de inter6s. Para obtener mas informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. 7196 9006 9296 7210 0004 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home _j)j ........................ Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program(HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1,2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest,fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time,to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate,extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan,deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful,a deed in lieu of foreclosure. A Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan(subject to agreement by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe,a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage.Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 7210 0004 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notification adjunta para obtener mss informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program(RAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que$729,750 d6lares para una vivienda unifamiliar, $934,200 dolares para una propiedad de 2 unidades,$1,129,250 dolares para una propiedad de 3 unidades o$1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiers y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no este en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarios regulares, ademas de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes,cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucion hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificaci6n del prestamo es un cambio en los terminos originales de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija,diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que est6 vencido. 7196 9006 9296 7210 0004 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una vents en Program(HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. yenta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto( usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria(no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa tomo una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una yenta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. 1664 THE COURTS FORM 1. BANK OF AMERICA, N.A., SUCCESSOR IN.THE COURT OF COMMON PLEAS BY MERGER TO BAC HOME.LOANS CUMBERLAND COUNTY, SERVICING, LP FKA COUNTRYWIDE PENNSYLVANIA HOME LOANS SERVICING, LP 7105 Corporate Drive Plano, TX 75024, (( CIVIL Plaintiff, Vs. Jerry L. Shields 27 Cleverburg Road Shippensburg, PA 17257, M -- and =r-,l Tammy Y. Shields © - c 27 Cleverburg Road y>n =TZ CD ..: Shippensburg,PA 17257, ; Defendants Q NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First,within twenty(20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative,you must promptly meet with that legal representative within twenty(20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service-upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with.the Court, which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an,attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. tfully submitted: Date RobeV W. Williams,Esquire Milstead&Associates, LLC 1 E. Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190 (f) PENNSYLVANIA BULLETIN,VOL.42,NO. 13,MARCH 31,.2012. THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER.REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your tender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARYAPPLICANT 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 n No❑ Mailing Address(if different): City: _ �, State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long?.--- CO-BORROWER- Mailing ong?• :• R•Mailing Address: _ City: State: Zip: Phone Numbers: Horne: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL •' • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan.: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy?Yes 0 No❑ 45.34107 PENNSYLVANIA BULLETIN,VOL.42,NO.1.3,MARCH 31,2012 f i, 1.666 THE COURTS If yes,provide names, location of court,case number&attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ _ $ Other: $ $ Automobile#1:Model: Year: Amount Owed: Value: Automobile#2: Model: _ Year: Amount Owed: Value: Other transportation(automobiles boats,motorcycled: Model: Year; Amount Owed: Value _Monthly Income Name of Employees: 1 2. 3 Additional Income Description(not wages): 1. monthly amount: 2. monthly amount: _ Borrower Pay Days: Co-Borrower Pay Days:_ Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2n Mortgage Utilities Car Payment(s) Condo/Neigh.Fees Auto insurance Med. not covered Auto fuel/repairs Other prop.payment Install. Loan Payments Cable TV Child Support/Alim. Spending Mone Da /Child.Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses:' Have you been working with a Housing Counseling Agency? Yes ❑.No❑ If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 45.34107 2 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following.information,if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: 1 ' I/We, ,authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options.I/We understand that Uwe am/are under no obligation to use the services provided by the above named_ Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation(hardship letter) ✓ Listing agreement(if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson f�J. Sheriff i 3: �� Cainbr,��,y�l� zoi JUL 21 FYI 2:56 cumBERLAtio 'PENNSYLV,q lq T ` Jody S Smith Chief Deputy Richard W Stewart Solicitor OFFICE OF THE SHERIFF Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, Case Number vs. Jerry L Shields (et al.) 2014-3906 SHERIFF'S RETURN OF SERVICE -- 07/08/2014 02:25 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Jerry L Shields, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 27 Cleaversburg Road, Southampton, Shippensburg, PA 17257. Residence is vancant and per the Shippensburg Postmaster the defendant moved and left no fowarding address. 07/08/2014 02:25 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Tammy Y Shields, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 27 Cleaversburg Road, Southampton, Shippensburg, PA 17257. Residence is vancant and per the Shippensburg Postmaster the defendant moved and left no fowarding address. SHERIFF COST: $76.60 SO ANSWERS, July 14, 2014 (c) CountySuite Sheriff, Toleosoft, Inc. 7(. RONNY R ANDERSON, SHERIFF MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, Plaintiff, Vs. Jerry L. Shields, and Tammy Y. Shields, Defendant(s). JiE Pk b of iic 1�/4 AUG i�� r -f C(/I., UG 22 4t1117: 7 ERL AND PENNS YL ANI UNTYA COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-3906 CIVIL Praecipe to Reinstate Complaint in Mortgage Foreclosure TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure for the above captioned matter. AD SSOCIATES, LLC Robe W. Williams, Esquire Attorney ID No. 315501 i3iy/3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson F� ' O�F|Cc Sheriff 0 T t-1 ONO JA Jody S Smith Chief Deputy Richard W Stewart Solicitor � YR|bSEP 12 PM 3: 48 CUMBERL AND COUNTY PENNSYLVANIA Bank of America, NA. Successor by Merger to BAC Home Loans Servicing, vs. Jerry L Shields (et al.) Case Number 2014-3906 SHERIFF'S RETURN OF SERVICE 09X03/2014 06:57 PM - Deputy Christopher Sharpe, 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: Jerry L Shields at 332 Walnut Dale Road, Southampton, Shippensburg, PA 17257. CHRIST ��HER�HARPE.DEPUTY 09/03C2014 06:57 PM - Deputy Christopher Sharpe, 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: Tammy Shields at 322 Walnut Dale Road, Southampton, Shippensbung, PA 17257. SHERIFF COST: $66.60 September 04, 2014 eouritySuito Sheriff, Teleosoft, Inc. �7 , 9ERARPE, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SHERIFF'SSolicitor OFFICE OF CUMBERLAND ����U U�� ~~~~~,r.-0FF��� C|'' THE PROTHONOTiR`/ �� ~°«* °b^t^| 2 PM 3: 17 - — SEP' ` 7 .CUMBERLAND COUNTY PENNSYLVANIA OFFICE OF Tf-f:E fiRIFP Melissa D Cucuzza (et al.) vs. Nancy L Stauffe(et al.) Case Number 2014-4046 SHERIFF'S RETURN OF SERVICE 0808/2014 Sheriff Ronny R Anderson, being duly sworn according to lawstates he made diligent search and inquiry for the within named Defendant to wit: Nancy L Stauffer, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of York, Pennsylvania to serve the within Writ of Summons according to law. 08/19/2014 05:33 PM -The requested Writ of Summons served by the Sheriff of York Countyupon Nancy L Stauffer, personally, at 124 Railroad Shee, Etters, PA 17319. Richard Keuer\ebor, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, September 08, 2014 RoNKrYRANDERSON, SHERIFF SHERIFF'S OFFICE OF YORK COUNTY Richard P Keuerleber PETER J. MANGA NOES Sheriff Michael S. Hose Richard E Rice Chief Deputy, Operations Chief Deputy, Administrate MELISSA D. CUCUZZA vs. NANCY L. STAUFFER Case Number 2014-4046 SHERIFF'S RETURN OF SERVICE 08/19/2014 05:33 PM - DEPUTY TODD STAHL, BEING DULY SWORN ACCORDING TO LAW, SERVED THE REQUESTED WRIT OF SUMMONS (WOSM) BY "PERSONALLY" HANDING A TRUE COPY TO A PERSON REPRESENTING THEMSELVES TO BE THE DEFENDANT, TO WIT: NANCY L. STAUFFER AT 124 RAILROAD STREET, ETTERS, PA 17319. 10/ D STA L, DEPUTY SHERIFF COST: $58.84 SO ANSWERS, August 28, 2014 NOTARY Affirmed and subscribed to before me this 28TH day of AUGUST 2014 RICHARD P KEUERLEBER, SHERIFF COMMt NVV LTI.16r PENNWLVANIA Wot�rial Seal Shelia E. Cook, Notary Public City of York, York County My Commission Expires Feb. 1, 2017 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES