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HomeMy WebLinkAbout14-4593 Supreme Connsylvania Coulr o"m mo leas For Prothonotary Use Only. Docket No: Cu rad County j,, �, ' The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or otherpapers as required by law or rules of court. Commencement of Action: IM Complaint 0 Writ of Summons 13Petition S 13Transfer from Another Jurisdiction [3Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: T Metro Bank Stephen P. Copp I Are money damages requested? M Yes [3 N Dollar Amount Requested: Dwithin arbitration limits 0 0 (check one) [Moutside arbitration limits N Is this a Class Action Suit? (3 Yes M No Is this an MDJAppeal? OYes IM No A Name of Plaintiff/Appellant's Attorney: Kathryn L. Mason, Esquire Check here if you have no attorney(are a Self-Represented [Pro Sel Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS DIntentional Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution Debt Collection:Credit Card [3Board of Assessment [3Motor Vehicle [3 Debt Collection:Other 13Board of Elections [3Nuisance Dept.of Transportation 13Premises Liability Statutory Appeal-,Other S [3 Product Liability(does not include Employment Dispute: tort) 13 E mass[3 Slander/Libel/Defamation Discrimination C [3Other: Employment Dispute:Other ® Zoning Board T [3 Other: I o MASS TORT Other: Asbestos N 13Tobacco 13Toxic Tort-DES [3Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS [3Toxic Waste ® Other: Ejectment 13Common Law/Statutory Arbitration Eminent Domain/Condemnation ®Declaratory Judgment OGround Rent Mandamus [3Landiord/Tenant Dispute B Non-Domestic Relations Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY [3Mortgage Foreclosure:Commercial Quo Warranto DDental M Partition E3Replevin QLegal E3Quiet Title [3Other: [3Medical M Other: [3Other Professional: Updated 11112011 07 , J7 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA � riG/ 26 ComTm�cBANK f/k/a e Bank/Harrisburg, N.A. CIVIL DIVISION - /� "�'/.'S y���co,� g, U l 1 rr KKQ �l NO.. l `7 J l Plaintiff, Vs. TYPE OF PLEADING STEPHEN P. COPP and MELISSA A. COPP, CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE Defendants. FILED ON BEHALF OF: Metro Bank f/k/a Commerce Bank/Harrisburg, N.A., Plaintiff TO: DEFENDANT(s) COUNSEL OF RECORD FOR THIS YOU ARE HEREBY NOTIFIED TO PLEAD TO THE PARTY: ENCLOSED COMPLAINT WITHIN TWENTY(20)DAYS FROM SERVICE HEREOF OR A DEFAULT JUDGMENT Scott A. Dietterick,Esquire MAY BE ENTERED AGAINST YOU. Pa.I.D.#55650 Kathryn L.Mason,Esquire Pa. I.D. #306779 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE ADDRESS OF THE PLAINTIFF IS: 3801 Paxton Street JSDC LAW OFFICES Harrisburg,PA 17111 AND THE DEFENDANT(S): P.O. BOX 650 135 Lancaster Avenue Hershey,PA 17033 Enola,PA 17025 ATTORNEY FOR PLAINTIFF CERTIFICATE OF LOCATION (717) 533-3280 I HEREBY CERTIFY THAT THE LOCATION OF THE REAL ESTATE AFFECTED BY THIS LIEN IS 135 Lancaster Avenue,Enola,PA 17025 ATTORNEY FO PLAINTIFF " /��_ . s .�s OwA4a 7U IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. §1692 ET SEQ. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE,NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30)DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, ; NO.: VS. STEPHEN P. COPP and MELISSA A. COPP, Defendants. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim 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, 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 INFOMRATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., : Plaintiff, NO.: VS. STEPHEN P. COPP and MELISSA A. COPP, Defendants. AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notifacacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comperencencia escrita y redicanco en la Courte por escrito sus defensas de, y objecciones a, los demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero O propieded u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABAGADO IMMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME A VAYA A LA SIGUEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: VS. STEPHEN P. COPP and MELISSA A. COPP, Defendants. : CIVIL ACTION- COMPLAINT IN MORTGAGE FORECLOSURE And now comes Metro Bank f/k/a Commerce Bank/Harrisburg, N.A.,by its attorneys, James, Smith, Dietterick& Connelly LLP, and files this Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is Metro Bank f/k/a Commerce Bank/Harrisburg,N.A., which has its principal place of business at 3801 Paxton Street, Harrisburg, Pennsylvania 17111. 2. The Defendants, Stephen P. Copp and Melissa A. Copp, are adult individuals whose last known address is 135 Lancaster Avenue, Enola, Pennsylvania 17025. 3. On or about June 24, 2005, Defendants executed a Balloon Note("Note") in favor of Plaintiff in the original principal amount of$85,000.00. A true and correct copy of said Note is marked Exhibit"A", attached hereto and made a part hereof. 4. On or about May 27, 2010, the terms of the aforesaid Note were modified pursuant to a Balloon Note Modification Agreement. A true and correct copy of said Agreement is marked Exhibit`B", attached hereto and made a part hereof. 5. On or about June 24, 2005, as security for payment of the aforesaid Note, Defendants made, executed and delivered to Plaintiff a Mortgage in the original principal amount of$85,000.00 on the premises hereinafter described, with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on July 26, 2005, in Mortgage Book Volume 1915, Page 4752. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "C", attached hereto and made a part hereof. 6. Defendants are the record and real owners of the aforesaid mortgaged premises. 7. Defendants are in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. 8. On or about June 24, 2014, Defendants were mailed combined Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notices of Intention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 of 1974, 41 P.S. §101, et seq. True and correct copies of said Notices are marked Exhibit"D", attached hereto and made a part hereof. 9. The amount due and owing Plaintiff by Defendants is as follows: Principal $ 76,200.63 Interest through 7/29/2014 $ 4,097.86 Late Charges $ 293.27 Escrow Balance $ 682.26 Unpaid Loan Fees $ 702.70 Attorney's Fees $ 1,650.00 Title Costs $ 410.00 TOTAL $ 84,036.72 plus interest on the principal sum ($76,200.63) from July 30, 2014, at the rate of$12.52 per diem,plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of$84,036.72, with interest thereon at the rate of$12.52 per diem from July 30, 2014 plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. JSDC LAW OFFICES Dated: " !" BY: Scott A. Dietterick, Esquire PA I.D. # 55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys for Plaintiff THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT "A" M BALLOON NOTE COPP (FIXED RATE) LOAN : 33332096COPP THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME.YOU WILL,THEREFORE,BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY.IF YOU REFINANCE THIS LOAN AT MATURITY,YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. JUNE 24, 2005 CA14P HILL PENNSYLVANIA [Date] [City] [State] 135 LANCASTER AVENUE, ENOLA, PA 17025 [Property Address] 1..BORROWER'S PROMISE TO PAY In return for a loan that I have receiv-.d,I promise to pay U.S.$ 85,000.00 (this amount is called"Principal'),plus interest,to the order of the Lender.The Lender is COMMERCE BANK/HARRISBURG, N.A. I will make all payments under this Note in the form of cash,check or money order. I understand that the Lender may transfer this Note.The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the"Note Holder." 2.INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of% 6.750 The interest rate required by Section 2 is the rate I will pay both before and after any default described in Section 6(B)of this Note. 3.PAYMmNTS (A)Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments o:,i the day of each month beginning on AUGUST 1, 2 00 5 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note.Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal.If,on JULY 1,2010 ,I still owe amounts under this Note,I will pay those amounts in full on that date,which is called the"Maturity Date." I will make my monthly payments a� 4. LEMOYNE DRIVE, SUITE 100, LM40YNE, PA 1.7043 or at a different place if required by the Note Holder. (B)Amount of Monthly Payments My monthly payments will be in the amount of U.S.$ 551.31 4.BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a"Prepayment."When I make a Prepayment,I will tell the Note Holder in writing that I am doing so.I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the.amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment,there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5.LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted Iimits, MULTISTATE BALLOON NOTE(Fixed Rate)—siogle Fxidiy—Freddie Mac UNIFORM INSTRUMENT Form 3290 1101 DOCUBNAI Page A of 3 Doco%WAl.9Tx 61/23/2004 33332096COPP then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sum already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to snake this refund by reducing the Principal I owe under this Note or by making a direct payment to me.If a refund reduces Principal,the reductign will be treated as a partial Prepayment. 6.BORROWER'S FAILURE TO PAY AS REQUIRED (A)Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B)Default If I do not pay the full amount of each monthly payment on the date it is due,I will be in default. (C)Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder xray require me to pay immediately the full amount of Principal which has not been paid and all the interest that I olve on that amount. That date must be at Ieast 30 days after the date on which the notice is mailed to me or delivered by other means. (D)No Waiver By Note Holder Even if; at a time when I am in default,the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have the right to do so if I am in default at a later time. (E)Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.Those expenses include,for example,reasonable attorneys' fees. 7.GIVING OF NOTICES Unless applicable law requires a different method,any notic a that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A)above or at a different address if I am given a notice of that different address. 8.OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Nate is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor,surety or endorser of the Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that anyone of us maybe required to pay all of the amounts owed under this Note. 9.WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the rights to require the Note Holder to demand payment of amounts due."Notice of Dishonor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10.UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under Ibis Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"),dated the same date as this Note,protects the Note Holder from possible losses which.might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under the Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower.If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all slims secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, MULTISTATE BALLOON NOTE(Fixed Rate)—Slagle Family—Freddle Mae UNIFORM INSTRUMENT Form 3290 1/01 ooct2BNA2 Page 2 of 3 n0MMXX2.VTx 01/22/2004 33332096COPP If Lender exercises this Option, 'Lender shall give Borrower notice of acceleration. The notice shall provide a period of not Iess than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED. BORROWER - STEPEMNP P. COPP - DATE BORROWER I xJJ•11('MELISSA Al COPP - DATE [Sign original Only] MULTISTATE BALLOON NOTE(Fixed Rate)Singie Family—Freddie Mac UNIFORM INSTRUMENT Form 3290 1101 oOcuariAa Page 3 of3 Docue, n3.VT2 0!/79/2004 EXHIBIT "B" BALLOON NOTE MODIFICATION AGREEMENT THIS BALLOON NOTE MODIFICATION AGREEMENT made and entered into as of the 27th day of May, 2010 by and between METRO BANK (hereinafter called "Lender"), having its principal place of business at 3801 Paxton Street, Harrisburg, PA 17111, and Stephen P. Copp and Melissa A. Copp (hereinafter called"Borrower"). WITNESSETH: WHEREAS, Borrower executed and delivered to Lender a Balloon Note (the "Note") dated June 24, 2005, in the original amount of$85,00().00,which evidences a loan (#33332096) by the Lender to the Borrower; and WHEREAS,the Lender and Borrower mutually agree to modify the terms of the Loan to extend the Maturity Date,as hereinafter provided. NOW THEREFORE, for value received and in consideration of the mutual covenants and agreements hereinafter contained and intending to be legally bound hereby, Lender and Borrower covenant and agree to amend and modify the Loan heretofore described as follows: 1. The Loan and all Loan Documents related thereto shall be amended to provide that the Maturity Date for the above-referenced loan is hereby extended from July 1,2010 to July 1,2015. Borrower shall continue to make principal and interest payments in the amount of$551.31, 2. Borrower shall pay an extension fee of$500.00. 3. Reference to Lender: This Bai'loon Note Modification Agreement is being made by Metro Bank formerly known as Commerce Bank/Harrisburg, N.A. 4. Except to the extent specifically set forth herein,and in other modification agreements,all of the terms,conditions,covenants and agreements contained in the Balloon Note and the Loan shall remain in full force and effect. Borrower hereby ratifies and affirms each and every term and-condition, obligation, and covenant of Borrower under the Balloon Note and the Loan in every respect and shall pay and discharge the indebtedness evidenced by the Balloon Note and the Loan in accordance with its terms as modified herein. This Modification shall not altar, diminish, or otherwise affect the lien of the Mortgage or the collateral therein described. Page 1 of 2 IN WITNESS WHEREOF, the parties hereto have executed this Agreement the day and year first above written. ATTEST: METRO BANK BY: Dougl .Hummer Residential Mortgage Group Manager,VP /ATTEST.' Borrower: k ' Stephen P.Copp Melissa A.Copp Page 2 of 2 EXHIBIT "C" AFTER RECORDING RETURN TO: 05 26 A r3 r{ COMMERCE': BANK/HARRISBURG, N.A. 40LEMOYNE DRIVE, SUITE LEMOYNE, PA 17043 ATTN. POST CLOSING PHONE: PREPARED BY: DEE MAASS COMMERCE BANK/HP.RRISBURG, N.A. 100 SENATE AVENUE CAMP HILL, PA 17011 R-a-cE—L *—©q._ 15— c.� C D'DaS [Space Above This Line For Recording Data] MORTGAGE COPP LOAN #: 33332096COPP CAS #s DEFNITIONS PIN: 09-15-1290-033 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also proAded in Section 16. (A)"Security Instrument"means this document,which is dated JUNE 24, 2005 together with all Riders to this document (B)"Borrower"is STEPHEN P. COPP AND MEL2SSA A. COPP, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C)"Lender"is COMMERCE BANK/HARRISBURG, N.A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of PENNSYLVANIA Lender's address is 100 SENATE AVENUE, CAMP HILL, PA 17011 Lender is the mortgagee under this Security Instrument. (D)"Note"means the promissory note signed by Borrower and dated JUNE 24, 2005 The Note states that Borrower owes Lender EIGHTY-FIVE THOUSAND AND 00/100 Dollars(U.S.$ 85,000.00 )plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 1, 2010 (E) "Property" means the property that is described below tinder the heading "Transfer of Rights in the Property." (F) "Loan"paeans the debt evidenced by Wae Note,plus interest, any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus interest. PENN'SYLVANU-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 DOCUIPA7 (Page J of l4 pages') DOCO1P11.wx 01/11/7005 1 i:y 7 5 1 33332096COPP (G)"Riders"means all Riders to this Security Instrument that are executed by Borrower.The following Riders are to be executed by Borrower[check box as applicable]: Adjustable Rate Rider E3Condominium Rider Second Home Rider ®Balloon Rider n Planned Unit Development Rider ❑Biweekly Payment Rider [] 1-4 Family Rider E]Other(s)[specify] (It) "Applicable Law"means all controlling applicable federal,state and Iocal statutes,regulations, ordinances and administrative rules and orders(that have the effect of law) as well as all applicable final,non-appealable judicial opinions. (1) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic. instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account Such term includes,but is not limited to,point-of-sale transfers,automated teller machine transactions, transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (K)"Escrow Items"means those items that are described in Section 3. (L) "Miscellaneous Proceeds"means any compensation;, settlement, award of damages, or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in Section 5)for-(i)damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in Iieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,the Loan. (R) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note,plus(ii)any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et sec}.) and its implementing regulation,Regulation X(24 C.F.R. Part 3500),as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirernents and restrictions that are imposed in regard to a "federally related mortgage loan"even if the Loan does not qualify as a"federally related mortgage loan"under RESPA. (P) "Successor in Interest of Borrower"means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note;and(ii)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the COUNTY I (Type of Recording Jurisdiction) of CUMBERLAND (Name of Recording Jurisdiction): ALL THAT CERTAIN TRACT OF LAND AND IMPROVEMENTS SITUATE IN EAST PENNSBORO TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED IN EXHIBIT "A" ATTACHED HERETO. PENNSYLVANIA—Single Family--Fannie MaefFreddie Mac UNIFORM INSTRUMENT Form 30391/01 DOCUiPA2 (Page 2 of 14 pages) aocoira2.V= 01/03/2003 33332096r-Opp which has the address of 135 LANCASTER AVENUE [Street] ' ENOLA ,Pennsylvania 17025 ('Property Address'7; [City] [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements, appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified checl bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality,or entity;or(d)Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted.If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower :For a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from PENNSYLVANIA--Single Farnily—Fannie Mae/Freddie Idle UNIFORM INSTRUMENT Form 30391/01 AOMIPA3 'Page 3 off 4 pages) noculvia.wx 01/06/2005 PF[ C ' r ' t �� LJY1 j 1 SJ l �J ,-e, 33332096COPP Borrower to the repayment of the Periodic Payments if,and to the extent that,each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due.Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum(the "Funds") to provide for payment of amounts due for; (a)taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b)leasehold payments or ground rents on the Property,if any;(c)premiums for any and all insurance required by Lender under Section 5; and(d)Mortgage Insurance premiums, if any,or any. sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.These items are called "Escrow Items."At origination or at any time during the term of the Loan, Lender may require that Community Association Dues,Fees,and Assessments,if any,be escrowed by Borrower, and such dues,fees and assessments shall be an Escrow Item.Borrower shall promptly firrnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Fiords for any or.all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its-rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts,that are then required under this Section 3. Lender may,at any time,collect and.hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA,and(b)not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due On the basis of current data and reasonable estimates of expenditures of future Escrow items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity(including Lender,if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest sball be paid on the Funds. Lender shall give to Borrower, without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow. as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. PENNSYLVANIA—Single Fanny—Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01 DOCUIPM (Page 4 of 14 pages) DOCn?A4.9Tb 01/06/2005 11 D 1 a I U ', I v 33332096COPP Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund.to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues,Fees, and Assessments, if any. To the extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b)contests the lien in good faith by, or defends against enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded;or (c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the Iien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5.Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term"extended coverage,"and any other hazards including, but not limited to, earthquakes and floods, for which Leader requires insurance. This in=a.+ce shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a)a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense.Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but night or might not protect Borrower,Borrower's equity in the Property,or the contents of the Property,against any risk,hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained night significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies,shall include a standard mortgage clause,and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.if Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower.Unless Lender and Borrower otherwise agree in PENNSYLVANIA—Single Family—Fannie MadFreddie Mae UNIFORM INSTRUMENT Form 30391/01 DOCUIrns (Page S of 14 Pages) I)OCaIP15.71T a1/o6/9005 33332096COPP writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Lender's security is not lessened. }luring such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim and related matters. Lf Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender(a)Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,and(b)any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property,insofar as such rights are applicable to the coverage of the Property.Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Inshwnent;whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shat! not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8.Borrower's Loan Application.Borrower shall be in default if,during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9.Protection of Lender's Interest in the Property and Rights Under this Security Instrument.If (a)Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b)there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/81 DDCUtPAG (Page 6of14 pages) D0C=A6.VTX 01/06/200S "', ,s � C7 D1 T 33332096COPP Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (e) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a)paying any sums secured by alien which has priority over this Security Instrument; (b)appearing in court; and (c)paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes,but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions,and have utilities tuned on or off.Although Lender may take action under this Section 9,Lender does not have to do so and is not under any duty or obligation to do so.It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such inX.erest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Letfder agrees to the merger in writing. 10.Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect If,for any reason,the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect.Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained,and Lender requires separately designated payments toward the premiums for Mortgage Insurance.If Lender required Mortgage Insurance as a condition of rnalang the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refimdable loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce-losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include fiords obtained from Mortgage Insurance premiums). PENNSYLVANIA--Single Family—Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 30391/01 DOCUIPA7 (Page 7of74 pages) DCC'nPA7.V= 01/06/2005 8K 33332096COPP As a result of these agreements,Lender, any purchaser of the Note,another insurer,any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from(or might be characterized as) a portion of Borrower's payments foi Mortgage Insurance,in exchange for sharing or modifying the mortgage insurer's risk,or reducing Iosses.If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed"captive reinsurance."Further; (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other ternis of the ,Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance,and they will not entitle Borrower to any refund. (b)Any such agreements will not affect the rights Borrower has—if any— with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law.These rights may Include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Lender's security is not lessened.During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law requires.interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.If the restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking,destruction, or loss in value of the Property,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any,paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security,Instrument immediately before the partial taking, destruction,or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a)the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by(b)the fair market value of the Property immediately before the partial taldug, destruction, or loss in value.Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which•the fair market value of the Property immediately before the partial taking,destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due_ If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party(as defined in the next sentence).offers to make an award to settle a claim for damages,Borrower fails to respond to Lender.within 30 days after the date the notice is given,Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument,whether or not then due."Opposing Party"means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard'to Miscellaneous Proceeds. PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 nocutPAS (Page 9 of 14 pages) noC=XA.V= 01/0e/2005 DU 1 5 `i 5 9 33332096COPP 15.Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law.Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not-affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender;(b)words in the singular sball mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17.Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section I8, "Interest in the Property"means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a)five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or(c)entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)pays Lender all sums which then would be due tinder this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c)pays all expenses incurred in enforcing this Security Instrument,including,but not limited to,reasonable attorneys' fees,property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and(d)takes such action as Lender may reasonably require PENNSYLVANIA—Single Family—Fannie MaBTreddic Mac UNIFORM INSTRUMENT Form 3039 1/01 DOM 210 (Page 10 of 14 pages) DOCM=.VTX 01/06/2005 M t 1- f l.! ll I J 1 .J 33332096COPP to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender. (a) cash; (b) money order; (e) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of acceleration under Section 18. 20.Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower.A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note.If there is a change of the Loan Servicer,Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer,the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing, If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence,join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of,or any duty owed by reason of,this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken,that time period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) `Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b)"Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection;(c)"Environmental Cleanup"includes any.response action, remedial action, or removal action, as defined in Environmental Law; and(d) an "Bnviromnental Condition" means a condition that can cause,contribute to,or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances,on or in the Property.Borrower shall not do,nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b)which creates an Environmental Condition, or(c)which,due to the presence,use,or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including,but not limited to,hazardous substances in consumer products). Borrower shall promptly give Lender written notice of(a)any investigation, claim,demand,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mac UNCIFORM INSTRUMENT Form 30391/01 ooaIPAIi (Page 11 of 74 pages) nocairae.rM 01/06/7003 ISI it .fin i 7 r L 33332096COPF Hazardous Substance, and'(c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 22.Acceleration; Remedies.Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise).Lender shall notify Borrower of,among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and(d)that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property.Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-e3dstence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding.Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23.Release.Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24.Waivers.Borrower,to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27.Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. PENNSYLVANIA—Single Fanrily—Fannie Mae/Freddie Mac UNIFORM F'STRUMENT Form 30391/01 DOCUIPAI2 (Page 12 of]4 pages) DG=PAC.VTX 01/06/3005 C31 � b.r, ` i3 33332096COPP BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. BORRO R - STEP I P. COPP - DATE I#ORROWER - MELIE A A. COPP -�DAfiB -c PENNSYLVANIA—Single Family—Fannie MadFreddie Mae UNIFORM INSTRUMENT Form 3039 lfl DOCUIPA13 (Page 13 of]4 pages) DDCmAl).VTX 01/06/2003 Byl 9 33332096copp [Space Below This Line For Acknowledgment] Commonwealth of Pennsylvania, fl County of -� " On this,the �4;qday of t: ,before me, ���—' L t the undersigned officer, personall appeared Y known to me(or satisfactorily proven)to a the person(s)whose name subscribed to the within instrument and acknowledged that c xecuted the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seal. MC3 oJp A COMMONWEALTH OF PENNSYL, > � s, 'NoParial Sea( VANIA �J,.;?••-,.,qa a Shut LMgp Rdpltgr, lubfic Hillt3oro,tkxr,t Fllub Tits of Officer My Cornrrtiasip�Expfre�Nov.a Mttmber.Penneytvania-Al,odatldn QP Nota da ommission,Expires: CERTIFICATE OF RESIDENCE: l do hereby certify that the correct address of the within-named lender is 100 SENATE AVMMM, CAMP HILL, PA 17011 Witness my hand this 2 4 TE day of JMM, 2005: C1/ , 1 Agent of Lender PENNSYLVANIA—Single Farn ly--Fannie MaelTreddie Mac UNIFORM INSTRUMENT Farm 3034-1/01 nocurPM4 (Page 14 of 14 pages) D0001DLa.V= 01/06/2005 �: f 2. CONDITIONS TO OPTION 33332096COPP if I want to exercise the Conditional Modification and Extension Option,certain conditions must be met as of the Note Maturity Date. These conditions are: (a)I must still be the owner and occupant of the property subject to the Security Instrument(the"Property"); (b)I must be current in my monthly payments and cannot have been more than 30 days late on any of the 12 scheduled monthly payments immediately preceding the Note Maturity Date;(c) there are no liens, defects, or encumbrances against the Property, or other adverse matters affecting title to the Property (except for taxes and special assessments not yet due and payable) arising after the Security Instrument was recorded; (d) the Modified Note Rate cannot be more than 5 percentage points above the Note Rate; and (e) I must make a written request to the Note Holder as provided in Section 5 below. 3. CALCULATING THE MODMED+D NOTE RATE The Modified Note Rate will be a fixed rate of interest equal to the Federal home Loan Mortgage Corporation's required net yield for 30-year fixed rate mortgages subject to a 60-day mandatory delivery commitment,plus one-half of one percent(0.5%),rounded to the nearest one- eighth of one percent(0.125%) (the "Modified Note Rate'). The required net yield shall be the applicable net yield in effect on the date and time of day that I notify the Note Bolder of my election to exercise the Conditional Modification and Extension Option. If this required net yield is not available, the Note Holder will determine the Modified Note Rate by using comparable information. 4. CALCULATING THE NEW PAYMENT AMOUNT Provided the Modified Note Rate as calculated in Section 3 above is not greater than 5 percentage points above the Note Rate and all other conditions required in Section 2 above are satisfied,the Note Holder will determine the amount of the monthly payment that will be sufficient to repay in full(a)the unpaid principal,plus(b)accrued but unpaid interest,plus(c)all other sums I will owe under the Note and Security Instrument on the Note Maturity Date (assuming my monthly payments then are current, as required under Section 2 above), over the remaining extended term at the Modified Note Rate in equal monthly payments. The result of this calculation will be the new amount of my principal and interest payment every month until the Note is fully paid S. EXERCISING THE CONDITIONAL MODIFICATION AND EXTENSION OPTION The Note Holder will notify me at least 60 calendar days in advance of the Note Maturity Date and advise me of the principal,accrued but unpaid interest,and all other sums I am expected to owe on the Note Maturity Date. The Note Holder also will advise me that I may exercise the Conditional Modification and Extension Option if the conditions in Section 2 above are met. The Note Holder will provide my payment record information, together with the name, title and address of the person representing the Note Holder that I must notify in order to exercise the Conditional Modification and Extension Option. If I meet the conditions of Section 2 above, I may exercise the Conditional Modification and Extension Option by notifying the Note Holder no earlier than 60 calendar days and no later than 45 calendar days prior to the Note Maturity Date. The Note Holder will calculate the fixed Modified Note Rate based upon the Federal Hoare Loan Mortgage Corporation's applicable published required net yield in effect on the date and time of day notification is received by the Note Holder and as calculated in Section 3 above. I will then have 30 calendar days to provide the Note Holder with acceptable proof of my required ownership, occupancy and property lien status. Before the Note Maturity Date the Note Holder will a dvise me of the new interest rate(the Modified Note Rate), new monthly payment amount and a date,time and place at which I must appear to sign any documents required to complete the required Note Rate modification and Note Maturity Date extension. I understand the Note Holder will ch arge me MUL"STATEBAr.LOON PJDEIt (Modification and E:temian)-SingleFarrnly--Freddie Mact;MFOPM INsT"RumENT Form 3190 1/01 noc�sas$Zvxx 10/x4/2003 (page-7 of3pages) ►i , TPE ��. 33332096COPP p-$250 processing fee and the costs associated with the exercise of the Conditional Modification and Extension Option,including but not limited to the cost of updating the title insurance policy. BY SIGNING BELOW,BORROWER accepts and agrees to the terms and covenants contained in tlxis Balloon Rider. BORROWER-- STEPHEN P. 160pp - DATE - -- s 1 A41 " BOIRROWER - WELISSAF A. COPP - DAA - I certi-fy this to DI-1 re%CO ,P MULTISTATE BALLOON RIDER(Modification and Extension)—Single Family—Fredfe Mac UNIFORM INSTRUMENT Form 3190 DOCUBR83 (page 3 aj3 pages) D0CMMB3.vTX 10/14/2003 C! I C FJ)r �aN t r° EXHIBIT"A"-MORTGAGE LEGAL ALL THE FOLLOWING DESCRIBED property situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, pursuant to a survey by Eric L. Diffenbaugh, PLS bounded and described as follows to.wit: BEGINNING at an existing iron pin on the western right of way line of Lancaster Avenue;thence along lands now or formerly of Peggy Byrem (Parcel B)South 89 degrees 19 minutes 40 seconds West, 167.71 feet to an existing iron pin; thence along a 15 foot alley, north 00 seconds West, 100.00 feet to an existing iron pin;thence along land now or formerly of Larry Stone, North 89 degrees 19 minutes 50 seconds east, 167.71 feet to a set iron pin;thence along the western right of way line of Lancaster Avenue south 00 degrees 40 minutes 5 seconds East 100 feet to an existing iron pin,the place of beginning. BEING LOTS 13 AND 14 OF SECTION F in the amended Plan of Lots of West Enola as recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 2 page 70. HAVING THEREON erected a dwelling commonly known as 135 Lancaster Avenue. (COPP.PFD/COPP/21) EXHIBIT "D" =n —.. METRO 3 11� 1 3£01 Paxton Street 888.9'37.0004 y Harrisburg,Pry 1 111 MyMetrobank,com June 24, 2014 ACT 6/91 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 IF YOU HAVE FILED FOR BANKRUPTCY, OR IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY, PLEASE BE ADVISED THAT THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. RATHER,THIS IS AN ATTEMPT TO ENFORCE OUR RIGHTS AGAINST COLLATERAL ONLY. 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 o see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATEOF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency: The name address and phone number of Consumer Credit Counseling Agencies serving our Coun1y are listed at the end of the Notice. If you have any questionsyou may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA,PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES 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. STEPHEN COPP 135 LANCASTER AVE ENOLA PA 17025 Property Address– 135 Lancaster Avenue Enola, PA 17025 Loan account number–000033332096 CERTIFIED MAIL-70123460000379356565 Original lender–Metro Bank Formerly known as Commerce Bank/Harrisburg Current Lender/Servicer–Metro Bank Formerly known as Commerce Bank/Harrisburg 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 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 the PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILER HEMAPAPPLICATIONAS SOONAS POSSIBLE. IF YOU HAVE A MEETING WITH COUNSELING AGENCY WITHIN 33 DA YS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITHPHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILYPREVENTED FROMSTARTINGA FORECLOSUREAGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAPAPPLICATION EVEN BEYOND THESE TIME PERIODS. A LATEAPPLICATION WILL NOT PREVENT THE LENDER FROMSTARTINGA FORECLOSURE ACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED ATANY 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: Lancaster Avenue Enola, PA 17025 IS SERIOUSLY IN DEFAULT because: Non payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $601.28- 10/1/13 $650.64- 11/1/13 $650.64 -12/1/13 $650.64- 1/1/14 $892.69-2/1/14 $892.69-3/1/14 $892.69-4/1/14 $892.69-5/1/14 $892.69-6/1/14 Late fees $269.76 TOTAL AMOUNT PAST DUE: $ 7,286.41, due$ 10/01/2013. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: Make monthly payments. 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 7,286.41 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)DAY PERIOD. P4yments must be made either by cash cashier's check certified check or money order made payable and sent to Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111-0999 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 attorney's fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees OTHER LENDER 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 un to one hour before the Sheriff's Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street,P.O. Box 4999 Harrisburg,PA 17111-0999 Phone Number: 717-412-6893 Fax Number: (717) 412-6191 Contact Person: BEVERLY B QUIGLEY EFFECT OF SHERIFF'S SALE—You should realize that a Sheriff s 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 or_X_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. METRO � . BANK 3801 Paxton Street RY y 3 -4 tf Harrisburg, PA 17111 ` f 7012 3460 0003 79j5 6572R:.Y ��i t`Ip ��•tl:�l\ 1/�•ql \�z•\\71/ �a\� �f:��. ��j/ / i r'�1jf�i y\\'/�� �p��t^t 1% I♦i / ,.r \<� 1� 1'- \ \ \ / \` .�'� •.ate ! }�= ,������ - _;� ��-%�If C�t� =���•{I`�!t'%i�,``��\\;%t��l�`fl%��� �Jr1��r��•J��ti i1}\ 1%��i� . .,. -- :I�js.7 E w l7.k5.:�y ,-amu?./.II�'_r,,'ir, �l�•.-��� \ �;\�i >\��fi�\\ y,� %u-�-i 2,04 e,I .111_ t1,���c,•;1)����&11•��_���- it�%� , �:t/�� \/�t�� \ il/�ll'�`�.11 Ilei%1��i"! \'iT c F tFt t Tp SENDER -,/�_-��a iyy-II�II:/!=�il�Uy- \iit�\�il� /.(=t i+ 4= �_ _�r tV II \ =�\ �� rl�)=1►//=\�.� -.�i.��.�Jl\i'_'• II�; s .� ouAR D Fes: /\\� ./• arll.�ri� rG�.//\\� �\\%/.:�Il..•.: ��j�ll`/L.\r � sc, ! 7'111 `1 41 801 ' Y ••i � �•f (ry���y Q� 77 ii l d 1 CD•)—PA?2 7�iS.{)-})t t.li..i2lli4—4R',i2 fill 191} t3 (fi r . }�2 MELISSA COPP 315 S ENOLA DRIVE ENOLA,PA 17025 METRO 38011 Paxton Street 888.937.0004 BANK H®rriabWeg.PA 171-11 MyMetrobank-corn June 24, 2014 315 S ENOLA DRIVE ENOLA, PA 17025 IF YOU HAVE FILED FOR BANKRUPTCY, OR IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY, PLEASE BE ADVISED THAT THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. RATHER,THIS IS AN ATTEMPT TO ENFORCE OUR RIGHTS AGAINST COLLATERAL ONLY. VIA REGULAR AND CERTIFIED MAIL,RETURN RECEIPT REQUESTED CERTIFIED MAIL-70123460000379356572 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by Metro Bank(hereinafter we,us, or ours)on your property located at 135 Lancaster Avenue Enola PA 17025 IS IN SERIOUS DEFAULT because you have not made the monthly payments of$$601.28 for 10/1/13,$650.64 for November and December 2013 and January 2014,$892.69 for February,March,April,May and June 2014 Late charges and other charges have also accrued to this date in the amount of$ . 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$' You may cure this default within THIRTY (30) DAYS of the date of this letter., by paying to us the above amount of$01'10 plus any additional monthly payments and late charges 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 Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg,PA 17111-0999 Attn: �aANN 01W 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. 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 6 months . 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 contacting the followingThis 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. IF YOU HAVE FILED FOR BANKRUPTCY, OR IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY, PLEASE BE ADVISED THAT THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. RATHER,THIS IS AN ATTEMPT TO ENFORCE OUR RIGHTS AGAINST COLLATERAL ONLY. -- — ;,; SECTION • • n lure I3 Agent ■ Complete items 1,2,and 3.Also complete [3 Addressee item 4 if Restricted Delivery is desired. ■ Print your name and address on the reverse t me) D to of very so that we can return the card to you. g c 'v d by t a Attach this card to the back of the mailpiece, e� Ali' LJ Yes or on the front if space permits. D_ s deft ry address diffe t from item 0 No 1. Article Addressed to; / if YES,enter dellvery address below; /3S 3. Servic pe lacertified Mail L Express Mall E3 Registered [3 Return Receipt for Merchandise ❑Insured Mail ❑C.O.D. 4. Restricted Delivery?(Extra Fee) ❑Yes 2. A-`: - (1 Q:1:2: 3 4 6 0 n 0 0--- __?935 6565 -- 102595 02-M-1540 PS Form 3811.February 2004 Domestic Return Receipt IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: VS. STEPHEN P. COPP and MELISSA A. COPP, Defendants. VERIFICATION I,Amy M. Custer, on behalf of Metro Bank depose and say subject to the penalties of 18 Pa.C.S.A., sec.4904 relating to unsworn falsification to authorities that the facts set forth in the foregoing pleading are true and correct to the best of my information, knowledge and belief. Date: By: 4Y . Metro Bank f/k/a Commerce Bank/Harrisburg,N.A., Plaintiff(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA V. Stephen P. Copp and Melissa A. Copp, )yam qqn Defendant(s) / Civil 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 an appointment of a legal representative at no charge to you. Once you have been appointed a legal representative,you must promptly meet with that representative within twenty(20)days of the appointment date.During that meeting,you must provide the legal representative with all the 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 the conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of 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 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 proceed-$. forward. •r s _Q) -6 > GC) "C Ca> IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: 81 y 1 1`l By: �& � �i u� Date Scott A.Dietterick,Esquire PA I.D.#55650 Kathryn L.Mason,Esquire PA I.D.#306779 Attorneys for Plaintiff P.O.Box 650 Hershey,PA 17033 (717)533-3280 Metro Bank f/k/a Commerce Bank/Harrisburg,N.A., Plaintiff(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA V. Stephen P. Copp and Melissa A. Copp, Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated ,2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program,the undersigned hereby certifies as follows: 1. Defendant is the owner of the property which is the subject of the mortgage foreclosure action; 2. Defendant lives in the subject real property,which is the Defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program"and has taken all of the steps required in the Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date Metro Bank f/k/a : Commerce Bank/Harrisburg,N.A., Plaintiff(s) 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA V. ; Stephen P. Copp and Melissa A. Copp, Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW,this day of ,2012,the defendant/borrower in the above- captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant/borrower has complied with the Administrative Rule requirements for scheduling a Conciliation Conference, it is hereby ORDERED and DECREED that: 1. The parties and their counsel are directed to participate in a court-supervised Conciliation Conference on at .M. in at the Cumberland County Court House, Carlisle,Pennsylvania. 2. At least twenty-one(21)days prior to the date of the Conciliation Conference,the defendant/borrower must serve upon the plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet"(Form 2)which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court,the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which the service of the completed Form 2 is to be made may be expected. Upon notice to the Court of the defendantiborrower's failure to serve the completed Form 2 within the timeframe set forth herein or such other date as agreed upon by parties in writing or ordered by the Court,the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceeding shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution,and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference,the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference,the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage;paying the mortgage default over sixty moths; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled Conciliation Conference. BY THE COURT. J. FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete-your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTON4ER/PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ If yes, provide names, location of court, case number&attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ . $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: Year; Amount owed: Value: Automobile#2: Model: Year: Amount owed.. Value: Other transportation(automobiles, boats motorcycles): Model: Year: Amount owed: Value Monthly Income Name of Employers: 1. 2. 3. Additional Income Description(not wages): I. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2 ad Mortgage Utilities Car Payment(s) Condo/Neigh.Fees Auto Insurance Med. not covered Auto fuel/repairs Other prop.payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Mone Da /Child Care/Tuit. 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: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP)assistance? Yes❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information,if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION fie, 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: V Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation 1 (hardship letter) V Listing agreement(if property is currently on the market) 3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson f ;LED -OF r Sheriff ';> THE. PRO t ONU JAR Jody S Smith Chief Deputy Richard W Stewart Solicitor r1 E OF THE: SHERIFF 201 s., AUG 19 AM IG= 20 CUMBERLAND COUNTY PENNSYLVANIA Metro Bank f/k/a Commerce Bank/Harrisburg, N.A. vs. Stephen P Copp (et al.) Case Number 2014-4593 SHERIFF'S RETURN OF SERVICE 08/11/2014 07:46 PM - Deputy Jamie DiMartle, 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: Stephen P Copp at 135 Lancaster Avenue, East Pennsboro, Enola, PA 17025. ►1_.. L . 1 t • a1 ler• E DIMARTLE, DEPUTY 08/11/2014 07:46 PM - Deputy Jamie DiMartle, being duly sworn according to law, attempted service to the Defendant, to wit: Melissa A Copp at 315 S Enola Road, East Pennsboro, Enola, PA 17025. The Defendant was found to have moved. 08/11/2014 08:16 PM - Deputy Jamie DiMartle, 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: Melissa A Copp at 315 S Enola Road, East Pennsboro, Enola, PA 17025. JA E DIMARTLE, DEPUTY SHERIFF COST: $60.95 SO ANSWERS, August 12, 2014 {o) CountySuito Sheritr, Teleoso RONNY R ANDERSON, SHERIFF FILED -OFFICE IN THE COURT OF COMMON PLEAS OF 0 it T HEPkOTIIONO TA CUMBERLAND COUNTY, PENNSYLVANIA.,,,„ „. JUri 1: 2 METRO BANK f/k/a • Commerce Bank/Harrisburg, N.A., Plaintiff, vs. CIVIL DIVISION No.: 14-4593 Civil ISSUE NUMBER: TYPE OF PLEADING: LOrt..;CA,L,,,;,!;Uuu P S YLVi\ i -11 . PRAECIPE FOR DEFAULT JUDGMENT STEPHEN P. COPP and (Mortgage Foreclosure) MELISSA A. COPP, Defendants. FILED ON BEHALF OF: Metro Bank f/k/a Commerce Bank/Harrisburg, N.A., Plaintiff I Hereby certify that the last known address COUNSEL OF RECORD FOR THIS of Defendant(s) is/are: PARTY: 135 Lancaster 4enue Enola, PA 17 14 Scott AV etZilluire Attorney for Plaintiff JSDC Law Offices P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Scott A. Dietterick, Esquire Pa. I.D. #55650 Kathryn L. Mason, Esquire Pa. I.D. #306779 sito.so,pci cd -63 aL+k 9?3-a--( R4 1\)04) 114410 I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. PRAECIPE FOR DEFAULT JUDGMENT TO: PROTHONOTARY SIR/MADAM: Please enter a default judgment in the above -captioned case in favor of Plaintiff and against Defendants, Stephen P. Copp and Melissa A. Copp, in the amount of $85,258.72 which is itemized as follows: Principal $ 76,200.63 Interest through 10/28/2014 $ 5,237.18 Late Charges $ 375.95 Escrow Balance $ 682.26 Unpaid Loan Fees $ 702.70 Attorney's Fees $ 1,650.00 Title Costs $ 410.00 TOTAL $ 85,258.72 plus interest on the principal sum ($76,200.63) from October 29, 2014, at the rate of $12.52 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged .remises. JSD ,W o Iff/0 Dated: October 28, 2014 BY: ott3 - - °ri ir squire PA I. ) . # 55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys for Plaintiff AFFIDAVIT OF NON-MILITARY SERVICE AND CERTIFICATE OF MAILING OF NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF DAUPHIN Before me, the undersigned authority, a Notary Public in and for said County and Commonwealth, personally appeared Scott A. Dietterick, Esquire, attorney for and authorized representative of Plaintiff who, being duly sworn according to law, deposes and says that the Defendants are not in the military service of the United States of America to the best of his knowledge, information and belief and certifies that the Notices of Int nt to take Default Judgment were mailed in accordance with Pa. R.C.P. 237.1, as evide e attached copies. lime/ e rick, Esquire Scott Sworn to and subscribed before me this 28th day of October, 2014 C/&*tL L . vd ooL Notary Public My Commission Expires: NOTARIAL SEAL CHRISTINE L SPURLOCK Notary Public HUMMELSTOWN BORO, DAUPHIN COUNTY My Commission Expires Feb 2, 2017 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. NOTICE OF ORDER, DECREE OR JUDGMENT TO: Stephen P. Copp ( ) Plaintiff (XXX) Defendant ( ) Additional Defendant You are hereby notified that an Order, Decree or Judgment was entered in the above captioned proceeding on )0 3011 Li ( ) A copy of the Order or Decree is enclosed, or (XXX) The judgment is as follows: $85,258.72 plus interest on the principal sum ($76,200.63) from October 29, 2014, at the rate of $12.52 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Dep IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. NOTICE OF ORDER, DECREE OR JUDGMENT TO: Melissa A. Copp ( ) Plaintiff (XXX) Defendant ( ) Additional Defendant You are hereby notified that an Order, Decree or Judgment was entered in the above captioned proceeding on )013011/. ( ) A copy of the Order or Decree is enclosed, or (XXX) The judgment is as follows: $85,258.72 plus interest on the principal sum ($76,200.63) from October 29, 2014, at the rate of $12.52 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of thetmortg ed prses. Deputy Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OFFICE OF TFzE.$4? „RIFF Metro Bank f/k/a Commerce Bank/Harrisburg, N.A. vs. Stephen P Copp (et al) Case Number 2014-4593 SHERIFF'S RETURN OF SERVICE 08/11/2014 07:45 PM - Deputy Jamie DiMartle, 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: Stephen P Copp at 135 Lancaster Avenue, East Pennsboro, Enola, PA 17025. E DIMARTLE, DEPUTY 08/11/2014 07:46 PM - Deputy Jamie DiMartle, being duly sworn according to law, attempted service to the Defendant, to wit: Melissa A Copp at 315 S Enola Road, East Pennsboro, Enola, PA 17025. The Defendant was found to have moved. 08/11/2014 08:16 PM - Deputy Jamie DiMartle, 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: Melissa A Copp at 315 S Enola Road, East Pennsboro, Enola, PA 17025. SHERIFF COST: $60.95 August 12, 2014 A DIMARTLE, DEPUTY SO ANSWERS, RON ANDERSON, SHERIFF iC CountySuito Sheriff, Teleosoft Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, Defendants. IMPORTANT NOTICE TO: Stephen P. Copp 135 Lancaster Avenue Enola, PA 17025 DATE OF NOTICE: October 14, 2014 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. AVISO IMPORTANTE A. Stephen P. Copp FECHA DEL AVISO: October 14, 2014 USTED ESTA EN REBELDIA PORQUE HA FALLADO DE TOMAR LA ACCION REQUERIDA EN ESTE CASO. A MENOS QUE USTED TOME ACCION DENTRO DE LOS PROXIMOS DIEZ (10) DIAS DE LA FECHA DE ESTE AVISO, SE PUEDE DICTAR. UN FALLO EN CONTRA SUYA SIN LLEVARSE A CABO UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS IMPORTANTES. USTED DERE LLEVAR ESTE DOCUMENTO INMEDIATAMENTE A SU ABOGADO. SI USTED NO TIENTE UN ABOGADO 0 NO PUEDE PAGAR UNO, VAYA 0 LLAME LA OFICINA ABAJO INDICADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR AYUDA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 Date: October 14, 2014 BY: JSDC Scottr ' ck, Esquir PA I.D. #55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 FIRST CLASS U.S. MAIL, POSTAGE PREPAID (717) 533-3280 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK flk/a Commerce Bank/Harrisburg, N.A., Plaintiff, vs. STEPHEN P. COPP and MELISSA A. COPP, Defendants. TO: Melissa A. Copp 315 S. Enola Road Enola, PA 17025 CIVIL DIVISION IMPORTANT NOTICE DATE OF NOTICE: October 14, 2014 NO.: 14-4593 Civil YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF. CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a COMM= Bank/Hanisburg, N.A., Plaintiff, vs. • CIVIL DIVISION STEPHEN P. COPP and MELISSA A; COPP, : Defendants. • AVISO IMPORTANTE A. Melissa A. Copp FECHA DEL AVISO: October 14, 2014 NO.: 144593 Civil. USTED ESTA EN REBELDIA PORQUE HA FALLADO DE TOMAR LA ACCION REQUERIDA EN ESTE CASO. A MENOS QUE USTED TOME ACCION DENTRO DE LOS PROXIMOS DIEZ (10) DIAS DE LA FECHA DE ESTE AVISO, SE PUEDE DICTAR. UN FALLO EN CONTRA SUYA SIN LLEVARSE A CABO UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS IMPORTANTES. USTED DEBE • LLEVAR ESTE DOCUMENTO INMEDIATAMENTE A SU ABOGADO. SI USTED NO TIENTE UN. ABOGADO 0 NO PUEDE PAGAR UNO, VAYA 0 LLAME LA OFICINA ABAJO INDICADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR AYUDA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (717) 249-3166 (800) 990-9108 Date: October 14, 2014 BY: JSDC LAW OFFICES Scott A. Dietterick, Esquire PA I.D. #55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 FIRST CLASS U.S. MAIL, POSTAGE PREPAID (717) 533-3280 Attorneys for Plaintiff Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil. Relief Act Last Name: COPP First Name: STEPHEN Middle Name: Active Duty Status As Of: Oct -28-2014 Results as of : Oct -28-2014 11:38:31 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA ,�ri\I-'t-1 l�+wNoti\ NA This response -I ' . ti , "-E , 'r --..e n } N k This response reflects the individuals' active duty 'stela based on the Active Duty Status Date Left Active Duty Within 367 Das of Active Duty Status Date Active Duty Start Date Active Duty End Status Service Component NA Date " `Status #0(-:,:NA�' I.,74 M \ •<2e -..77.N-,77 - 't NA This response reflects where,lhe individual left active duty status Withl'n 367 days preceding the Active Duty Status Date r-1 1/) 1f'" '11 The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA ... i� \\ NA'.�� -.. I' yfiltv`e .,' JIf NA This response reflects whether the individual or hlslhe}.unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data,Center,.based on -the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. yA. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: SEY6F3EFA0E9O70 Department of Defense Manpower Data Center Status Report Pursuant to Servicementhers Civrii. Relief Act Last Name: COPP First Name: MELISSA Middle Name: Active Duty Status As Of: Oct -28-2014 Results as of : Oct -28-2014 11:39:00 AM SCRA 3.0 On Active Duty On Active Duty Status Date ' ''� 't ► ! Active Duty Start Date Active Duty End` Date Status Service Component NA rtt NA l�.l Y]}_v r -fir ^��.,f"f NiN.. NA ♦, ,.-., �� r --.� r !i1 •,i This response reflects the individuals' active duty status based on the -Active Duty Status Date /7 ,4, `'-a.. Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA �� !- I. -.....NA\-.. ..:-'; IN. i e 'No 11(77-,"_:.' 11 NA .�-.! , '',,.....r M l - -' -.4,-. .r F.-• � dt , i This response reflects where the -h individualleft active duty status within" 367 days preceding the Active Duty Status Date l�11V 1� The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification Date Status Service Component NA �End \\ N7 \ , »o. Y . No'/ � /r NA This response reflects whether the Individual or his/her unit has received artynotification to -report for active duty Upon searching the data banks of the Department of Defense Manpower Data.Center, based`on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 4 • The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: CEED036F10EAQ20 IN THE COURT OF COMMON PLEAS OF CUMBERLAND Metro Bank f/k/a Commerce Bank/Harrisburg, NA. Stephen P. Copp and Melissa A. Copp CIVIL DIVISION File No. 14-4593 Civil (Plaintiff) : Amount Due Interest from 10-29-2014 to $ 1,590.04 date of sale : At ty' s Comm Costs (Defendant(s) TO THE PROTHONOTARY OF THE SAID COURT: $ 85,258.72 The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it -is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. PRAECIPE FOR EXECUTION Issue writ of execution in the above matter to the Sheriff of Cumberland: , County, for debt, interest and costs upon the following described property of7thet- m defendant(s) co.) See Exhibit "A" attached. -(-' -n PRAECIPE FOR ATTACRIENT EXECUTION • Issue writ of attachment to the Sheriff of County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishe real estate of the defendant(s) described in the attache DATE: October 28, 2014 a -1-6'.07P/Del gl),C1 \t 3.-?StiLi \ . SO' D. an. S Signature: Us pendens against raw, /Annum,' 1r Print Name: cott A. Dietterick, Esquire Address: James Smith Dietterick & Connelly LLP P 0 Box 650, Hershey PA 17033 Attorney for: Plaintiff Telephone: (717) 533-3280 t) 1.4, Supreme Court ID Nb.: 55650 aagov v3P oi LEGAL DESCRIPTION ALL THE FOLLOWING DESCRIBED property situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, pursuant to a survey by Eric L. Diffenbaugh, PLS bounded and described as follows to wit: BEGINNING at an existing iron pin on the western right of way line of Lancaster Avenue; thence along lands now or formerly of Peggy Byrem (Parcel B) South 89 degrees 19 minutes 40 seconds West, 167.71 feet to an existing iron pin; thence along a 15 foot alley, north 00 seconds West, 100.00 feet to an existing iron pin; thence along land now or formerly of Larry Stone, North 89 degrees 19 minutes 50 seconds East, 167.71 feet to a set iron pin; thence along the western right of way line of Lancaster Avenue South 00 degrees 00 degrees 40 minutes 5 seconds East 100 feet to an existing iron pin, the place of BEGINNING. BEING LOTS 13 and 14 of Section F in the amended Plan of Lots of West Enola as recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 2 page 70. HAVING THEREON erected a dwelling commonly known as 135 Lancaster Avenue, Enola, PA 17025. BEING the same premises which Marcia S. Barnhart, single person, by her Deed dated July 17, 2005 and recorded on July 26, 2005 in and for Cumberland County, in Deed Book Volume 270, Page 210, granted and conveyed unto Stephen P. Copp and Melissa A Copp, husband and wife. Parcel #09-15-1290-033 Exhibit "A" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a Commerce Bank/Harrisburg, N.A., rmocT..31) PN I 9 CIVIL DIVISI,O,N, T Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. AFFIDAVIT PURSUANT TO RULE 3129.1 Metro Bank f/k/a Commerce Bank/Harrisburg, N.A., Plaintiff in the above action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 135 Lancaster Avenue, Enola, Pennsylvania 17025: 1 Name and Address of Owner(s) or Reputed Owner(s): STEPHEN P. COPP 135 Lancaster Avenue Enola, PA 17025 MELISSA A. COPP 135 Lancaster Avenue Enola, PA 17025 2. Name and Address of Defendant(s) in the Judgment: STEPHEN P. COPP 135 Lancaster Avenue Enola, PA 17025 MELISSA A. COPP 135 Lancaster Avenue Enola, PA 17025 3. Name and Address of every judgment creditor whose judgment is a record lien on the real property to be sold: METRO BANK f/k/a Commerce Bank/ Plaintiff Harrisburg, N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a Commerce Bank/Harrisburg, N.A., CIVIL DIVISION Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, Defendants. tq NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 Stephen P. Copp 135 Lancaster Avenue Enola, PA 17025 TAKE NOTICE: That the Sheriffs Sale of Real Property (Real Estate) will be held at the Cumberland County Courthouse, South Hanover Street, Carlisle, Pennsylvania 17013 on Wednesday, March 4, 2015, at 10:00 a.m. prevailing local time. THE PROPERTY TO BE SOLD is delineated in detail in a legal description consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE LEGAL DESCRIPTION ATTACHED AS EXHIBIT "A"). The LOCATION of your property to be sold is: 135 Lancaster Avenue Enola, Pennsylvania 17025 Cumberland County The JUDGMENT under or pursuant to which your property is being sold is docketed to: No. 14-4593 Civil THE NAME(S) OF THE OWNER(S) OR REPUTED OWNER(S) OF THIS PROPERTY ARE: Stephen P. Copp and Melissa A. Copp A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff thirty (30) days after the sale, and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it, within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, South Hanover Street, Carlisle, Pennsylvania 17013. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a Judgment against you. It may cause your property to be held, to be sold or taken to pay the Judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE. Cumberland County Court Administrator Cumberland County Courthouse One Courthouse Square, 4th Floor Carlisle, Pennsylvania 17013 (717) 240-6200 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of Cumberland County to open the Judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale, you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriffs Deed is delivered. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the Court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office, Cumberland County Courthouse, One Courthouse Square, 4th Floor, Carlisle, Pennsylvania 17013, before presentation of the petition to the Court. Dated: October 28, 2014 Scott A. Die = c , Esquire PA I.D. # 55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys for Plaintiff VIA CERTFIED MAIL, RETURN RECEIPT REQUESTED AND VIA PERSONAL SERVICE BY CUMBERLAND COUNTY SHERIFF LEGAL DESCRIPTION ALL THE FOLLOWING DESCRIBED property situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, pursuant to a survey by Eric L. Diffenbaugh, PLS bounded and described as follows to wit: BEGINNING at an existing iron pin on the western right of way line of Lancaster Avenue; thence along lands now or formerly of Peggy Byrem. (Parcel B) South 89 degrees 19 minutes 40 seconds West, 167.71 feet to an existing iron pin; thence along a15 foot alley, north 00 seconds West, 100.00 feet to an existing iron pin; thence along land now or. formerly of Larry Stone, North 89 degrees 19 minutes 50 seconds East, 167.71 feet to a set iron pin; thence along the western right of way line of Lancaster Avenue South 00 degrees 00 degrees 40 minutes 5 seconds East I00 feet to an existing iron pin, the place of BEGINNING. BEING LOTS 13 and 14 of Section F in the amended Plan of Lots of West Enola as recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 2 page 70. HAVING THEREON erected a dwelling commonly known as 135 Lancaster Avenue, Enola, PA 17025. BEING the same premises which Marcia S. Barnhart, single person, by her Deed dated July 17, 2005 and recorded on July 26, 2005 in and for Cumberland County, in Deed Book Volume 270, Page 210, granted and conveyed unto Stephen P. Copp and Melissa A .Copp, husband and wife. Parcel #09-15-1290-033 Exhibit "A" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A., Plaintiff, vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. NO.: 14-4593 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 Melissa A. Copp 135 Lancaster Avenue Enola, PA 17025 TAKE NOTICE: C w.) That the Sheriffs Sale of Real Property (Real Estate) will be held at the Cumberland County Courthouse, South Hanover Street, Carlisle, Pennsylvania 17013 on Wednesday, March 4, 2015, at 10:00 a.m. prevailing local time. THE PROPERTY TO BE SOLD is delineated in detail in a legal description consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE LEGAL DESCRIPTION ATTACHED AS EXHIBIT "A"). The LOCATION of your property to be sold is: 135 Lancaster Avenue Enola, Pennsylvania 17025 Cumberland County The JUDGMENT under or pursuant to which your property is being sold is docketed to: No. 14-4593 Civil THE NAME(S) OF THE OWNER(S) OR REPUTED OWNER(S) OF THIS PROPERTY ARE: Stephen P. Copp and Melissa A. Copp A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff thirty (30) days after the sale, and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it, within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, South Hanover Street, Carlisle, Pennsylvania 17013. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a Judgment against you. It may cause your property to be held, to be sold or taken to pay the Judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE. Cumberland County Court Administrator Cumberland County. Courthouse One Courthouse Square, 4th Floor Carlisle, Pennsylvania 17013 (717) 240-6200 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of Cumberland County to open the Judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale, you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriffs Deed is delivered. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the Court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office, Cumberland County Courthouse, One Courthouse Square, 4th Floor, Carlisle, Pennsylvania 17013, before presentation of the petition to the Court. Dated: October 28, 2014 BY: PA I.D. # 55650 Kathryn L. Mason, Esquire PA I.D. #306779 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys for Plaintiff VIA CERTFIED MAIL, RETURN RECEIPT REQUESTED AND VIA PERSONAL SERVICE BY CUMBERLAND COUNTY SHERIFF LEGAL DESCRIPTION ALL THE FOLLOWING DESCRIBED property situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, pursuant to a survey by Eric L. Diffenbaugh, PLS bounded and described as follows to wit: BEGINNING at an existing iron pin on the western right of way line of Lancaster Avenue; thence along lands now or formerly of Peggy Byrem (Parcel B) South 89 degrees 19 minutes 40 seconds West, 167.71 feet to an existing iron pin; thence along a.15 foot alley, north 00 seconds West, 100.00 feet to an existing iron pin; thence along land now or formerly of Larry Stone, North 89 degrees 19 minutes 50 seconds East, 167.71 feet to a set iron pin; thence along the western right of way line of Lancaster Avenue South 00 degrees 00 degrees 40 minutes 5 seconds East 100 feet to an existing iron pin, the place of BEGINNING. BEING LOTS 13 and 14 of Section F in the amended Plan of Lots. of West Enola as recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 2 page 70. HAVING THEREON erected a dwelling commonly known as 135 Lancaster Avenue, Enola, PA 17025. BEING the same premises which Marcia S. Barnhart, single person, by her Deed dated July 17, 2005 and recorded on July 26, 2005 in and for Cumberland County, in Deed Book Volume 270, Page 210, granted and conveyed unto Stephen P. Copp and Melissa A Copp, husband and wife. Parcel #09-15-1290-033 Exhibit "A" THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net METRO BANK F/K/A COMMERCE BANK/HARRISBURG, N.A. Vs. NO 14-4593 Civil Term CIVIL ACTION — LAW STEPHEN P. COPP AND MELISSA A. COPP WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $85,258.72 L.L.: $.50 Interest FROM 10/29/2014 TO DATE OF SALE - $1,590.04 Atty's Comm: Atty Paid: $219.70 Plaintiff Paid: Date: 10/30/2014 (Seal) Due Prothy: $2.25 Other Costs: David D. B -11, Prothonota Deputy REQUESTING PARTY: Name: SCOTT A. DIETTERICK, ESQUIRE Address: JAMES SMITH DIETTERICK & CONNELLY LLP P.O. BOX 650 HERSHEY, PA 17033 Attorney for: PLAINTIFF Telephone: 717-533-3280 Supreme Court ID No. 55650 IN THE COURT OF COMMON pLxAor.,7,,,j, H 0 CUMBERLAND COUNTY, PENNSYLVANIA • • - 2015 JIU! 1 2 AM 11: METRO BANK f/k/a CIVIL DIVISION Commerce Bank/Harrisburg, N.A.,CUMBERLI_ 1 PENNSYLVANIA Plaintiff, NO.: 14-4593 Civil vs. STEPHEN P. COPP and MELISSA A. COPP, : Defendants. AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Metro Bank f/k/a Commerce Bank/Harrisburg, N.A., Plaintiff in the above action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 135 Lancaster Avenue, Enola, Pennsylvania 17025: 1. Name and Address of Owner(s) or Reputed Owner(s): STEPHEN P. COPP 135 Lancaster Avenue Enola, PA 17025 MELISSA A. COPP 135 Lancaster Avenue Enola, PA 17025 2. Name and Address of Defendant(s) in the Judgment: STEPHEN P. COPP 135 Lancaster Avenue Enola, PA 17025 MELISSA A. COPP 135 Lancaster Avenue Enola, PA 17025 3. Name and Address of every judgment creditor whose judgment is a record lien on the real property to be sold: METRO BANK f/k/a Commerce Bank/ Plaintiff Harrisburg, N.A. 4. Name and Address of the last record holder of every mortgage of record: METRO BANK f/k/a Commerce Bank/ Plaintiff Harrisburg, N.A. 5. Name and Address of every other person who has any record lien on the property: CUMBERLAND COUNTY TAX CLAIM BUREAU Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 6. Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: UNKNOWN SPOUSE OF 135 Lancaster Avenue STEPHEN P. COPP Enola, PA 17025 UNKNOWN SPOUSE OF 135 Lancaster Avenue MELISSA A. COPP Enola, PA 17025 DEPARTMENT OF REVENUE COMMONWEALTH OF PA PA Inheritance Tax Division Department 280601 Harrisburg, PA 17128-0601 Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 7. Name and Address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: CUMBERLAND COUNTY DOMESTIC RELATIONS OFFICE Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 I verify that the statements made in this Amended Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that: false statements herein are made subject to the penalties of 18 Pa.C.S. §4904 relating to unswom falsification to authorities. Dated: January 6, 2015 BY: JSDC LAW OFFICES Scott A. Dietterick, Esquire PA I.D. # 55650 Kathryn L. Mason, Esquire PA LD. #306779 P.O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys for Plaintiff