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y Supreme Colu t_of Pennsylvania Coui_ of Cotz►mou PIe;� - Civilil cbivexi;1 lieu For-Prothonotary Use Onll�: Cu iberlai ld)._`. co ntv, Docket No.- The information collected on this forin is used solely for court administration purposes. This form does not Supplement or re lace thefiling and service ofpleadings or other papers as required bylaw or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from another Jurisdiction ❑ Declaration of Taking E Le4d Plaintiff Name: Lead Defendant's Name: C BANK OF AMERICA,N.A.SUCCESSOR BY MERGER TODD R.CARBAUGH TO BAC HOME LOANS SERVICING,LP FKA T COUNTRYWIDE HOME LOANS SERVICING LP I O Are money Damages requested?: ❑ Yes ® No Dollar Amount Requested within arbitration limits N (Check one) X outside arbitration limits Is this a Class Action Suit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes ® NO Name of Plaintiff/appellant's Attorney: KML Law Group,P.C. ❑ Check here if you are a Self-Represented(Pro Se Liti ant Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEAL ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection:Other ❑ Board of Elections ❑ Nuisance ❑ Dept.of Transportation ❑ Premises Liability ❑ Zoning Board ❑ Product Liability(does not include ❑ Statutory Appeal:Other � mass tort) ❑ Employment dispute: C ❑ Slander/Libel Defamation Discrimination. ❑ Other ❑ Employment Dispute:Other T ❑ Other: I 0 MASS TORT ❑ Other N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort-DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory ❑ Toxic Waste B ❑ Other ❑ Eminent Domain/Condemnation Arbitration ❑ Ground Rent ❑ Declaratory Judgment ❑ Landlord/Tenant Dispute ❑ Mandamus ® Mortgage Foreclosure:Residential ❑ Non-Domestic Relations PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial Restraining Order ❑ Dental ❑ Partition ❑ Quo Warranto ❑ Legal ❑ Quiet title ❑ Replevin ❑ Medical ❑ Other Professional: ❑ Other ❑ Other Pa.R.C.P. 205.5 Updated 11112011 KML LAW GROUP,P.C. SUITE 5000-BNY MELLON INDEPENDENCE CENTER f 1 t F 701 MARKET STREET /'{ �1 TA PHILADELPHIA,PA 19106 (866)413-2311 AH 10. 04 n BO BACANK OHOME LOANS SERVICING,SUCCESSOR P BY�MERGER p� rhe Y l �gp#2,OF COMMON PLEAS COUNTRYWIDE HOME LOANS SERVICING,LP OF Cumberland COUNTY 7105 Corporate Drive PTX B-209 CIVIL ACTION-LAW Plano, TX 75024 Plaintiff ACTION OF MORTGAGE FORECLOSURE VS. TODD R. CARBAUGH r ' Mortgagor(s)and Record Owner(s) No. 'I`I- �-I sa (V 366 Bloserville Road Carlisle,PA 17015 M&ACTION:MORTGAGE Defendant(s) FMECLO M 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 the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court yourAefenses 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 claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME CA AAi all 3 �S at4r POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA.LEGAL. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender(and our client)has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney.For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit BUDS website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.org/consumers/homeowners/real.gVx. 5). Call the Plaintiff(your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http://www. hp iladelphiafed.org/foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan.Workout/Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretentionnkmllawgroup.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 134345FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA,N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, 7105 Corporate Drive, PTX B-209 Plano, TX 75024. 2. The name(s) and address(es) of the Defendant(s) is/are TODD R. CARBAUGH, 366 Bloserville Road, Carlisle,PA 17015,who is/are the mortgagor(s) and record owner(s)of the mortgaged premises hereinafter described. 3. On June 23, 2010 mortgagor(s)made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS AS NOMINEE FOR CARDINAL FINANCIAL COMAPNY, L.P., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County on June 29, 2010 as Instrument#: 201017267. The mortgage has been assigned to: BANK OF AMERICA,N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING,LP by assignment of Mortgage recorded on April 04, 2012 as Instrument#201209753. The Mortgage and Assignment(s) (if any) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. Noteholder, directly or through an agent, has possession of the promissory note. The promissory note is either made payable to Noteholder or has been duly endorsed and is attached as Exhibit C. 5. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 6. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for March 01, 2014 and each month thereafter and by the terms of the Mortgage,upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 7. The following amounts are due to Plaintiff on the Mortgage: PrincipalBalance..................................................................................$171,574.32 Interest from 02/01/2014 through 08/31/2014 at 4.8750%......................$4,879.14 After 08/31/2014 interest on the principal balance will accrue monthly, on the first day of each month, in the amount of$697.02, calculated-at 4.8750% LateCharges................................................................................................$377.08 FeeDue Advances.........................................................................................$15.00 Credits........................................................................................................($943.61) $175,901.93 8. Plaintiff is not seeking a judgment of personal liability (or an "in personam"judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding,this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy,but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Plaintiff sent Defendants the notice as required by 35 P.S. Section 1680.401 et. seq. (Act 91 of 1983) or by 41 P.S. Section 403 (Act 6 of 1974) or as required by the Mortgage ("Notice"). A true and correct copy of the Notice is attached and incorporated as Exhibit"B". WHEREFORE,Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of$175,901.93, together with interest at the rate of$697.02,per month and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Note and Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. By: KML LAW G P, P.C. Michael McKeever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61.858 David Fein Pa.ID 82628 Thomas Puleo Pa. ID 27615 Joshua 1. Goldman Pa. ID 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Alyk L. Oflazian Pa. ID 312912 ,Salvatore Filippello Pa. ID 313897 Jennifer Lynn Frechie Pa. ID 316160 Attorneys for Plaintiff VERIFICATION J O-M t . cyws k yy_ SchwP_i i2Q.►/ , hereby states that heA is-Pr,5t prtskd-Q..t19� of Bank of America, N.A., Plaintiff in this matter, that he she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of hiser. 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. Date:,,tA�l4 Name:Jarv1Le- CwtSt e Title: P�SS (SkG�- ' wct Pack& rlt Bank of America,N.A. #134345FC -TODD R. CARBAUGH 366 Bloserville Road Carlisle,PA 17015 Eyhibit A A i I i i Exhibit A TRACT NO. 1 ALL THAT CERTAIN tract of land situate in Upper Frankford Township, Cumberland County,Pennsylvania,more particularly bounded and described as follows: BEGINNING at a point in the center of Pennsylvania Legislative Route A5749, which point is 194.95 feet in a southerly direction from the center of the intersection of the said Pennsylvania Legislative Route A5749 and Township Road 431; thence along the center of the said Pennsylvania Legislative Route A5749 South 2 degrees 23 minutes West 59.04 feet to a spike; thence along other lands of grantors, South 64 degrees 20 minutes West 219.62 feet to a stake; thence continuing along other lands of grantors North 25 degrees 40 minutes West 225.00 feet to a spike in the center of the said Township Road 431;thence along the center of the said Township Road 431 North 64 degrees 20 minutes East 225.00 to a spike; thence along lands now or formerly of Benjamin E. Gayman South 32 degrees East 171.40 feet to a spike in the center of the said Pennsylvania Legislative Route A5749,the PLACE OF BEGINNING. l TRACT NO.2 ALL THAT CERTAIN tract of land situate in Upper Frankford Township, Cumberland County,Pennsylvania,more particularly bounded and described as follows: BEGINNING at a spike in the center of the intersection of Pennsylvania Legislative Route A5749 and Township Road 431; thence along the center of the said Pennsylvania Legislative Route A5749 South 2 degrees 23 minutes West 194.95 feet to a spike;thence along lands now or formerly of Robert L. Sheaffer et al North 32 degrees 32 minutes West 171.40 feet to a-spike in the center of the said Township Road 431;thence along the center of the said Township Road.431 North 64 degrees 20 minutes East 113.14 feet to a spike in the center of the said Township Road 431 and the said Pennsylvania Legislative Route A5749,the place of BEGINNING. Ehibit 0 *Exhibit has been redacted to remove all personally identifiable information or non-public information PRESORT First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid 2269590260 wso 20130118-7 I��nllll�ll�ll�lllnl�ili�llilil�lllnl���lir�ill�llllnl�llii� TODD R CARBAUGH 366 Bloserville Road Carlisle, PA 17015-8984 C3_1445 BLQPA2 14091 08/24/2011 January 18,2013 Account No.: W3930 TODD R CARBAUGH 366 Bloserville Road Carlisle, PA 17015-8984 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear TODD R CARBAUGH, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours)on your property located at 366 Bloserville Road Carlisle,PA 17015, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 10/0112012-01/31/2013. Monthly Charges: 10/01/2012 - 11/30/2012 @ $1357.67 $2,715.34 12/01/2012 - 01/31/2013 @ $1319.37 $2,638.74 Late Charges: 10/01/2012 - 11/30/2012 @ $54.31 $108.62 12/01/2012 - 01/31/2013 @ $52.77 $105.54 Other Charges: Additional Uncollected Late Charges: $162.93 Uncollected Costs: $15.00 Partial Payment Balance: 0,00 TOTAL DUE: $5,746.17 Late charges and other charges have also accrued to this date in the amount of $392.09. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $5,746.17. You may cure this default within THIRTY(30) DAYS of the date of this letter, by paying to us the above amount of $5,746.17, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A.at P.O. Box 15222,Wilmington,DE 19886-5222. If you do not cure the default within THIRTY(30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments.If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case-to our attorneys,but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs.if you cure the default within the thirty day period,you will not be required to pay attorney's fees. 2269590260 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six(6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait.You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-669-1578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http://www.bankofamerica.com/defaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account, MILITARY 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. ERS-1 2269590260 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esta obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su prestamo para vivienda est6 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 prastamo que podria resultar en la aceleraci6n 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 pagar6, 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: [http://www.bankofameriGa.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 prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar aue califiaue, incluidas protecciones contra la ejecuci6n hipotecaria asi tomo tambien ayuda en la tasa de interes. Para obtener mas informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. 2269590260 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program(HAMP) and/or extending the term of the loan.You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts overtime. 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 ,MU 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. 2269590260 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Liame al numero que aparece en la notificacion adjunta para obtener mss informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa ea ............ Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program(HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que$729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o$1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad 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 esta en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, 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 ejecuci6n 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 est6n 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. 2269590260 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 transaccion en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retencibn sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transaccion en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto/ usted adeuda, una 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 retencibn de la vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecuci6n hater que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria(no por I prestatarios que no califican para HAMP u otras opciones de retencibn 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. E..x, hibit *Exhibit has been redacted to remove all personally identifiable information or non-public information CRPRDNRBS46a 6/20/2012 10 : 44 : 59 AM PAGE 26/089 888-294-5658 f MIN.- 100092200005026300 NOTELoan Number: 02630 f ase No.0221699-703 JUNE 23, 2010 WARMINSTER [pate] latrl PENNSYLVANIA [State] 366 Bloserville Road, Carlisl.ar Pennsylvania 17015 [Property Address] 1• PARTIES "Borrower"means each person signing at the end of this Note, and the person's successors and assigns. "Lender"means CARDINAL FINANCIAL COMPANY, L.P. 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 principes[ sum o£ ONE HUNDRED EIGHTY—TWO THOUSAND THREE HUNDRED SEVtNTY—THREE AND 00/100 Doltars(U.S.$ 182,373. 00 Blas interest,to the order of Lender. Interest will be charged on unpaidOncipal,from the date of disbursement of the loan proceeds by Lender,at the rate of FOUR AND 875/1000 percent 4.875 %)per year until the(till 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 Lenderfrom 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 19t day of each month beginning on AUGUST 1, 2010 Any principal and interest remaining on the ISt JULY, 2040 da,will be due on that date, which is called the"Maturity Date." y of (B) Place Payment shall be made at 4 4 4 JACKSONVILLE RD, WARMINSTER, PENNSYLVANIA 18974 as Lender may designate in writing by notice-to Borrower. ,or at such other place (C) Amount Each monthly-payment of principal and interest will be in the amount of U_S_$ 965- 13 This amount will be part of a larger monthly payment required by the Seciuityinstrument, that shall be applied to Principal,interest and other items in the order described in the Security Instrument (D) Allonge to-this Note for Payment Adjustments If art allonge providing for payment adjustments is executed by Borrower together vi th th i s Note,the covenants of the altonge shall be incorporated into and shall amend and supplement the covenants of this Note e, if the velums were a part of this Note. allonge IVIUlT15TATE-FHA FIXED RATE NOTE USFHA.NTE OSQ5" Page 1 of 3 Ooc6fag c 4eFWMtW a0o.640_r= Wmw.docmagic.com CRPRDNRBS46a 6/20/2012 10 : 44 : 59 AM PAGE 28/089 888-294-5658 (Check applicable box.) ❑ Growing Equity Allonge Q Graduated Payment Allouge ❑ Other[specifyj: 5. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note,in whole or in part,without charge ar penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrowerpays interest on the amount prepaid for the remainder of the month to the extent required by Lendcr 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 Imless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (E1) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrumcut, as described in Paragraph 4(C)of this Note,by the end of fifteen calendar days after the paymeat is clue, Lender may collect a late charge in the amount of FOUR AND 0 0 0/10 0 0 of the overdue amount of each payment, percent( 9 .000 %) (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 ofpayment defaults,require immedialepaymentin full of theprincipal 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 immediatepayinent 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 Costa and Lxpenses If bender has required immediatepayment in full,as described above,Lendermayrequire Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Nate to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due_ "Notice of Dishonor"means the right to require Lender to give notice to other persons that amounts due have not-been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method,any notice thatmmt be given to Borrower under this Mate will be given by delivering it or by mailing it by first class mail to Borrower at the Property Address above or ata different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by delivering it or by mailing it by first class mail to Lender at the address slated in Paragraph 4(13)or at a different address if Doffower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE Ifmore than one person signs this Note, each person is fully and personally obligated to keep all ofthe 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 madein NEt1LT➢STATE-FHA FfXEt7 RATE NOTE USFHA.NTE 09125/09 Page 2 of 3 1)0CMa9ic EFMvussu OOM49-1.362 www.docmagic.cam CRPR,DNRBS46a 6/20/2012 10 : 44 : 59 AM PAGE 30/089 888-294-5658 Y this Nate_ Lender may enforce its rights under this Note against each person individually or against all signatories to then- Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. —�� �"a dd R. Carbau u(seal) sem) q -Boowet' -Banrrovaer (Seal) (Seal) -Borrower -Borrower (Seal) (Seat) -Borrower -Borrower PAYTOTHEORDEROF INrCHOlffREOOURSE BANKOFAMEMA,N.A. WITHOUT RECOURSE PAY TO THE ORDER OF �y:�. " - � Bank of&'n 'r NA U IN P#ANC&9M, !TD LAUMM BY• [Sign Original Only] COLLUN S,MARKS,ASST VICE PRFSIDENT MMTESTATE-FHA FIXED RATE=NOTE Docuagic ea wo9-1362 USFHA.NTE 09125109 Page 3 of 3 www.docmagic,com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA,, t� BANK OF AMERICA,N.A. SUCCESSOR BY MERGER TO / ' C�Lp.�' BAC HOME LOANS SERVICING,LP FKA v� S� 1, -e—© o~; COUNTRYWIDE HOME LOANS SERVICING LPCase No. z c- I ..� r Plaintiff ( l d s T- G VS. -Y TODD R.CARBAUGH Defendant(s) NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action,you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First,within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative,you must promptly meet with that legal representative within twenty(20)days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto,the legal representative will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60)days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed 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. Respec ]ly b fitted: (Signature Unysel for Plaintiff) �F 0 Date Cumberland County Residential Mortgage Foreclosure Diversion Progrom Financial Worksheet Date Cumberland County Court of Common Pleas Docket# I3ORROWF-R REQUEST FOR HARDS141P ASSISTANCE To complete•your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City: State:_ Zip: Is the property for sale? Yes EJ- No 0 Listing date: Price:$ Realtor Nacre: _ Realtor Phone: Borrower Occupied? yes Lj No Mailing Address(if different): City: State:-Zip: Phone Numbers: Home: Office: GeII: Other; #of people in household: Haw long? Mailing Address: City: State: Zip: Phone Numbers: Home: office: Cell: Other: Email: #ofpeople in household: How lora? First Mortgage Lender: Type of:Loan: Loan Number, .Date You Closed.Your Loam: 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? YesE3 No If yes,provide names, location of court,cage number&attorney: Assets Arno nt Owed: Value: Horne: Other Real Estate: $ - Retirement Funds; $ • $ Investments: $. Checking: $ Savings: $ $ Otber: $ $ Automobile 11: Model: Year.- Amount ear:Amount owed: Value: A Igmybile#2: Model: Year: Amount owed: Value: Other transportation tautornobiles boats.Mptoreycleo, Model: Year: Amount owed: 'Value Monthly Income Name of Employers: 1, 2. 3. Additional Income Description(not.Mages): I. monthly amount: 2. monthly amount:. Borrower Pay bays: I Co-borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mo a e Food 2 Mortgage Utilities ) Car Payment(s) Condo/Nei .Fees Auto InsuranceMed. not cs�ve Auto fuel/repairs Other proE.payment Install.Loan Pa mc-nt Cable TV Child Su rt/Alim. Spending Mone t 1?ay/Child CarelTuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been.working with a.Housing Counseling Agency? Yes El No 0 If yes,please provide the following information: Counseling Agency _ Counselor: Phone.(Office): _�. Fax: - Email: Have you trade application for Homeowners Emergency Mortgage Assistance Program . 14EMAP)assistance? yes,Fj No If yes,please indicate the status of the application,__. Have you had any prior negotiations with your tender or lender's loan servicing company to resolve your delinquency? 'Yes No If yes,please indicate the status of these negotiations: Please provide the follwAring information,if know, regarding your lender or leader's loan servicing company: Lender's Contact(Name): Phone- Servicing Company (Name): Contact: Phone. IAVe, r authorize the above named to usetrefer this information to my lendertservicer for the sole purpose of evaluating my financial situation for possible niortgage options. fie understand that Itwe 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 l fast 2 bank statements N/ Proof of any expected income for the last 45 days 11€pf Copy of a current utility bill Y Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agr"ment(if property is currently op the market) Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY r;L.ED-O FICE -'t- THE PROTHONOTARY 20141 AUG 12 PH 12: 34 CUMBERLAND COUNTY oFFicEof THE5I?EE3IFF PENNSYLVANIA Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, vs. Todd R Carbaugh Case Number 2014-4528 SHERIFF'S RETURN OF SERVICE 08/06/2014 08:11 PM - Deputy Dawn Kell, 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: Todd R Carbaugh at 366 Bloserville Road, Upper Frankford, Carlisle, PA 17015. ���� -L T1 • W. , SHERIFF COST: $34.78 DAWN KELL, DEPUTY SO ANSWERS, August 07, 2014 RONNY R ANDERSON, SHERIFF tc) CountySuite Sheriff, Teleosoft, Inc. KML LAW GROUP, P.C. Suite 5000 — BNY Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP 7105 Corporate Drive PTX B-209 Plano, TX 75024 Plaintiff vs. TODD R. CARBAUGH (Mortgagor(s) and Record owner(s)) 366 Bloserville Road Carlisle, PA 17015 Defendant(s) OF_ TI P O T rf (j ICE 20/4 AUG 26 AN IU: 1 PENNS ©c 1 NT Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 14-4528 PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above case Discontinued and Ended without prejudice upon payment of your costs only. KML LAW GROUP, P.C. F/K/A GOLDBECK McCAFFERTY & McKEEVER By: Michael McKe ve viPa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Thomas Puleo Pa. ID 27615 David Fein Pa. ID 82628 Jill P. Jenkins Pa. ID 306588 Alyk L. Oflazian Pa. ID 312912 Salvatore Filippello, Pa. ID 313897 Jennifer Lynn Frechie, Pa. ID 316160 Attorneys for Plaintiff