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Home My WebLink About14-4668 Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: qu� Cumberland County � The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff's Name: The Bank of New York Mellon Lead Defendant's Name: Shawn A. Hensel;Holly E. C f/k/a The Bank of New York, as Trustee for the Hensel Certificateholders of the CWABS, Inc.,Asset-Backed T Certificates, Series 2007-4 I Dollar Amount Requested: ❑ within arbitration limits 0 Are money damages requested?: ❑ Yes ® No (Check one) ® outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Christopher A.DeNardo,Esquire ❑ Check here if you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an "X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept.of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability (does not ❑ Employment Dispute: include mass tort) Discrimination E ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board C ❑ Other: T ❑ Other: I ❑ Other: 0 MASS TORT N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort-DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ❑ Ejectment E] Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 1/1/2011 SHAPIRO&DeNARDO, LLC 1 L. D- BY: CHRISTOPHER A. DeNARDO, ESQUIRE,ATTORNEY I.D.NO. 784-4-7"f h z € 0 w' !0 ii"i CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 10; BRADLEY J. OSBORNE, ATTORNEY I.D.NO. 312169 CHANDRA M. ARKEMA,ATTORNEY I.D.NO. 203437 CU z F.r,L,',?;D C 0 U Fr T`( 3600 HORIZON DRIVE, SUITE 150 r E:I'N; Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE(20)DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE,LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA LISTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE,ATTORNEY I.D.NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D.NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA,ATTORNEY I.D.NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset-Backed Certificates, Series 2007-4 PLAINTIFF NO: VS. Shawn A. Hensel 302 Hilltop Road Newburg, PA 17240 Holly E. Hensel 257 Newburg Road Newburg, PA 17240 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of the CWABS, Inc., Asset-Backed Certificates, Series 2007-4, the address of which is, c/o Specialized Loan Servicing, LLC, 8742 Lucent Blvd, Suite 300, Highlands Ranch, Colorado 80129, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, its successors and assigns Mortgagor(s): Shawn A. Hensel and Holly E. Hensel (b) Date of Mortgage: April 13, 2007 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1989, Page 4847 Date: April 26, 2007 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender Assignee: The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of CWABS, Inc., Asset-Backed Certificates, Series 2007-4 Date of Assignment: September 6, 2011 Recording Date: September 19, 2011 Instrument No.: 201125900 The Assignment(s) is/are a matter a matter of public record and are therefore incorporated herein as provided by Pa. R.C.P. No. 1019(g). 2. Plaintiff is either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property that is subject to the Mortgage is generally known as 257 Newburg Road,Newburg, PA 17240 and is more specifically described as attached as part of Exhibit "A". 4. Shawn A. Hensel executed a note as evidence of the debt secured by the Mortgage (the "Promissory Note"). A true and correct copy of the Promissory Note is attached and marked as Exhibit "B". 5. The names and mailing addresses of the Defendants are: Holly E. Hensel, 257 Newburg Road,Newburg, PA 17240 and Shawn A. Hensel, 302 Hilltop Road, Newburg, PA 17240. 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of April 1, 2009 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of June 20, 2014: Principal Balance Due $146,633.87 Interest Currently Due and Owing at 9.35% $73,759.84 From March 1, 2009 through July 18, 2014 Late Charges $3,758.82 Escrow Advances $15,658.67 Property Inspection $567.95 Property Preservation $1,008.00 TOTAL $241,387.15 9. Interest continues to accrue for each day that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorney's fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice pursuant to the Homeowners'Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c,et SeMc.,was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit "C" in accordance with Pa.R.C.P. 1019(i). 12. Pursuant Pa.R.C.P. 1019(d),the Notice sent to the Defendant(s) contains the information required by the act of March 14, 1978 (P.L. 11,No. 6), 41 P.S. § 403 et seq., and separate Notice of Intention to Foreclose is not required. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants,jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Promissory Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SH RO & DeNARDO, LLC Date: $ I BY: .or-neys-for Plaintiff- S &D File No. 12-041867 CAM-IN M.DDI LLY,ESQ { 1007 APR 26 HM 1117 pmpmw By. CHRISTOPHER THOMAS AMERICA'S WHOLESALE LENDER 2 JERICHO PLAZA, 3RD FLOOR JERICHO i NY 11753 t Phone: (516033-6600A Remm To: COUNTRYWIDE HOM8 LOANS, INC. MS SV-79 DOCUMENT PROCESSING F.0.1�px 10423 Van Nuys, CA 91410-0423 Pu=l Nousbe; Pmmis= 257 NEWBURO RD t NEWBURG PA 17240-5212 [SparcAbmMkbMaarjrwR t 4ftDual HENSEL — [>iacrdwlC2oeinq #) 100c ID #S MORTGAGE VLV""-$W46 r-*-Fsaoata Mftffl a Mo WH MM PWtof17 ! 4A(pA)�.o C14L(4o={d) vw ®swoons,Ino.(a Msm-mi Fmm 3V39 7Ap I i RK i n. E 989PG4847 << i DOC ID #: .r hsIId DEPINMONS i WOW&used In mWdPW mcdotts of this dopa¢lira dcfiiwd tidiow and oft r wot4 am"rad in 5ectiow 3, 11,13, 18,20 and 21,Cftuhn rWds regarding tk IkSW,of wards Used in dais document urs algo prctv*d in sw(k n lwtn gent"me=Wis daMmerrt,which is dwA APRIL 13, 2007 f together w10r at11 Ridm to this documment. (B)"Sonwwetc is SHAWN A HENSEL, AND HOLLY E HzNszL !. eurroa+or is tha MWtgatgOrurtdcr thins Security InMMCnt_ ( "Achim'ra mm"Bloumok Rvivatkm mss,Irz.mm is a sqwme©miixailon dw is acting Bluely a$A u0mium for La Ksm tired Lmmkes tars and am4p&AuMj6 fltb mor4pW maw U& ! JngnmemL MMS is orgattiud wd1 W*mm nUOA er of P.O.Haz 2076,Plioi.M d85�fl1.WX tel,t;888)679,AMS. and lass an and f (D)"M6�IlQ'1�is AMERICA'$ WHOLESALE LENDER L=KWisa I CORPORATION "98mized enc#existing under the Laws of NEW YORK L.aadces adarom in 45DO P�r*k Granada MSNt# SVB-314 Calabaaas, -CA 91302-1.613 (E)"Note"mesas the prvmitm ty um by Borrower mrd dated APRIL 13, 2007 7U NOtb.Bt M dine Bommm owat Idmr7�QT ONE HUNDRED FORTY EIGHT THOUSAM FIvE HUNDRM and 00/1D0 IMM us(U.S,S 148,500.00 )plus inwmsl.Ilorrctwrr has pimmised m pay this debt in mgdu I t -ttAlb'A){Om) r:Flt.(ta/W) Pepe 2 ut V 6°Olftn b108A ifit '' E s ` . 6K I989PG4848 , f f } I J DCC ID # Periodic Paynaentg and to pay cite debt in fled tact later than MAX 01, 2037 (F) " yn TAM rho PAY that is dasdibed bofow vndet the heeding "Tits der of Rights in the Pmtaarpy.,, (G)"Lam"means thds debt dvtdtRepd by tido Note,plta8 iatclE94 any prcpqm=citargea end laic zhug" due u»der the Nott.and all sums dw uwW tbis S wurity lu*w=t,J►tlffi jnwe t. (ED "Sidon" me=all I khn to tWO Se=* Dead nkat am executed by B&MWer.Ti"folkswing k Rfdeta arw to be executed by>oauwwc fdv*box as Vpleabie); A "Rata Rldor � Condodttitdum Rlder Seeorad Konroo Rider r Moon hider Pknaad Unit Dcvdq went Rider 1.4 Family index VA leu Biweekly I'aj=Mt Itkler (>tlaa(a)[apocify) € E "A@QOC" (law" me= ail CW=UMS applicable fedora), state acid kxW %=tar, d'dpig6w% ordinuM tmd azsaant KMtWC toles esti Qtditta(that haVE the dfwt of law) is well as 41 apphta<bk frtaal, non-appea3abryo judicial op3salod>s. (J}"CWHMM*y Aawdalk4 ice,Peek and AuawpoWl weans all dans,feM aasesMM and Odd d,wSes that we tdnpaead on Bavower dx the pMpwjy by a Ow4ominium aaroeiati(m,bomwwn eta aaooWon Ow cinailar odgpnitdttiaa, (K)'Skdm*Fun&TCUW Dr"tttrratts any uwm*r of hwU W�a thtaa a atrasClioa wpi W*d by check„ dkatt,of similar pop"itatprt meat, wbkh is inkhweld WOO* an dlwetroaic laminal. w4fia*WMMAt, computor,or mWatic tapo so w to oft,wgruot,of aadtbotiw a iintdncixt inatitutioaa to debt or Madht an OOOMML SuCh Wm includes, but is not licenced to, poinl-cf-mea ttgt aU, anttWod tetter MWNft Wumdxws,transfers iniilatedi by WWMF,wire Uaeddtat'a,turd auwmetod c ownghot=uang'em. Q"Ekw UMB"me=$tlaost ueaaa that am deedribtd io Smiku 3. (M)"PA9w&zOMd Pr9cmdt"m"m wY cmvPxwuxxk ti4tleuneatt,award of da=ps,at proceeds Paid by °nY third P&W(other than insurance Ptd=ads Paid under the witzaps dewfibei ho Soccticm 3)fix:(1)dampp to,or deamdoe of,the Property;(ii) condamrudtion at otbar Wring of all of any part of tht Property; dotty Y&Kc in lieu of condtamdon; or (iv) nai$depad;acrttctiotda of, or minim asera, the value and/or condition of the Property. (N)"l+►[or*W linins.""moans ilea mule Protacriog-Lender apbw the ttonpaymant of,or default on.the Loan, (d)"PwiO&P8Y t"InAw the m0adfy scheduled ova(due for fr)prin4Pal and intereat tinder tha Note,Pius(ii)any atnodrttts undcad Section 3 of this S60UHlY loam UML M "MPA" morias the Easy Estate Seined=t Pwcedtucs Act(12 U.S.C. Section 2601 et wq)and its ting rr9uI>;tioo,RA&Ukdion X(2,1 CF.R.Part 3500),as they might be aa*wAcd from Gore w dust,or any adtlidaonal or==Olwitgiabatlon or rcgt MAA that governs the slant subject couar,As used ra this Sys»rity A>Irtttt int. "lZkiSPA" nstaas w aft Mp9MftuO end mWctioas that art impmed in regard to a underRI OW a$4 loan" event if ft Lam d�not qualify as a"federally related munppc tow* (�}"SucOw to Udg Mit of BwMwer"okoans any psrty char hu cane*Lilt to the Praperty,whegm or rcpt tI*9p&M ha assurtked Harr—,ees obligations uatlear she Mte anaer oris Security lntarWnwtt, 4A(PA)t exit ElO/ab7 Peps s d t7 Form 2M iron -'' ......_......hv.v-...,.'R„5.,.!. a.�.. 4•..1,t.,,i,.i.L..�...i... ...--r—.. ......,..,. ., I E DOC ID f: TR.ANSM OF RIGHTS 1N THE MOPERTY This Stonily Itsstawwm sesame to La ftr: (t)the rrpayawl of tbt EWA.tasd all rewwaie,CYtwei0tL9 and } m0ffir astiotts of tits NOLO; seed 69 tht PeofOmm cx of$rrrowdea covowts end $Vtaroxats under this Socauity TrialrttrlaG4t and t1tG[+lots. For this Pa ,Bommer dose bueby molgw,sant orad convey to s MM(aoita;y as raxiow fbr Lmkr and tadees succeasoca end&Wgm)vA to tits ween ca and assign of MM,tho Folkwlag dmuibed pmperty fit> Wd in the COUNTY of CUl813PMAND C SEE EXHIBIT *A" ATTACFMD HERETO AND MADE A PART HSRMOr. i which tsmwtly I=lbs addrm of 257 NESiBURG RD, NEWBURG , t� rl PcvrtsYlvania 17240-9212 ("Propaty Adamas"); Mp V-M f TOCiM WITH atii lite imMOVemmm now of hertaftcr erected on toe propcaty,and of taaaatmt.% ate.ttW f►xtamss now or htvdu!!r a part of the pmWq,,Ali t oxmwo a w4 addidam swl aw ba cavercd by this SwAty Inatrumo L All of Uta fmcg9i"is rhrred to in tWs go�stmt as the p "PfOPCttY,'Bong wer wadsraft&and agmen that b=8 bolds a* kdpol tints to the imtr+ests granted by Berme u In this Security her t,brt,if tteceMy to comply With law or=ROM MW(as noadime for l order and F.et*ea copra aqd"gm)hs®Ute ftbv to exarlas ow or aW of thoms into am irtck&nm but uat hu'Jted t0, dee right ta'foreckW Wd boil the Pmperty:and to 104 any action teQuimd of Y.wAw x incltrdirtg,but riot 1;mited to,mkadn and emwang thio sacudly b anvwcat BORROWED.CCiVERAteP;<S that Bmmw+crr is 111WP Y sei4 of tint mm busby c vcyed and ba ties right to mot Me- 9=1 acrd cooveY tits Pfoputy *ad that *as Propatty is tamww*e'ad. Qxcspt lnr end Of tecwtd BORO t U weottana a W WIH tW40d gatcsally the tide to the Y egttioat all chicon Bpd dmeaft subject to arty awu aCea of repo t -i�AAttsa9)teal tilt EAI? pa o 6117 stn sm s,ot f .. i 9..8 9 PG.4 8 S a i } t t DOC ID : . € TRIS SBCURITX INS'MUWMNT cornbum traifortra covenants for noti0na+l use and oaa-itnrPotm covenants with liatrited tmia dom by jurisdiction to conOtuta a ueifomm secArity instrument covering real I . UNWMM COVENANTS.Bontwer and Lutdar oo mmu sax!ttpu m follows ; L PgAi nc onhdnci f at,last ,att•_saow JjmM Pmp"Mat atatal tate t;Lart m R mower shall pay wbca due the prhtdpal oC,and hitenxd oa, EM debt evidenced by the Nota and any prepaynmmi charlas and late dwVs due mala the Nae.Borrower shall also pay fWwb for Bectow hams pursuant to Swim 3. P'aymeats dace ouder the Moe wad this Security laaagrmient shall be nab in U.•currency. � However,if any dwk or arbor ir+statmamt received by Lender as pq+axm-cnida the Nag or this Setmtiq t InstrmMi is eebarned to Laade ugWd,Lander may require that any of all subsujuent paymeoU due under � the Note and Urs Sacarity Iasttsaaeat be made in one or mora of the fallowing fonm as selected by.Leadw. � (a)cacsh;(b)money cadet(c)cmrkicflad chock,beak d=k.vaaau Wa drA or amus adtotdc piwMed any mach c**is drawn upon an fest wim whore depordis aka hwared by a federal agascy.initrttmaxatality,or E entity,or(d)Ekcuunie No&Tms&r. € Payrwts ate dea ed towived by Leader when raocived apt rho titeation daaigimtad in the bleu or*sach other totatfiwa as ataty be desipoW by Lander in accambom with Qac hence provisions in Swim I5.Laxkx : MY rearm any pAymoot or Patial ptymM if aloe pdymart or pat M preymeaur ane WOMCiM to Uft tbt- Loam gemma. Lander may wcgn any paymew or partial payment iematBciertt to aging the Lawn conut, witimt waiver of any righis hlxaunder or prrisdi a to its ri&s to alwo such pgvniW or partial prtytn=in the fwtrrre,but Ltarder is not ObUgaaed to appbf each peymetrtd at the alma tech payrtmo ase accepted.If*fruit Periodic Puymmaat is VpHed as of its Kbedukd dna dot, an 1.aatiar rural trot pity Isloml on>mappUW fWtds.Iaxkr may(told such mutpptied fbn&until Harmer mskas pttymettl to being tba Lotm costar.U € Borrower docs not do so wittthf a n woriaabk period of glare,Londaar shall either apply amb fw&or room •`- them ao Bummer.U not applied earlier,sw%flatots wW be applled to the ouvAn dit principal barb=under >taG Note hwedietely prior to forxbmr.No aflt of or claim which Boamwrr aright bane now or in the fiat are ' agAb*Lentkr stroll relieve Bormwer from malting payments due under the Note arced this Security Isanrmnent or pertttrming aha covenants and iguuaeia sedated by Otis Seemity Instritmem. Z Applieatima of Payaada or Puota &Except as Wb&Vbe described ire this Section 2,all payments t acxpted grad aged by Lander sl ll be applied in the foilooviag ado ofpria*r.(a)intcroat due under the Note;(h)PhICIpal duces under itae MM.(c)aiiools due WNW Secdoa 3.Sikh plk mats BbAU be Wtied io ea h Pa4odic Payovat in the artier in which it be�due.Any taingnigg anto"M Shalt be applied first to t Into ulwri,second to may other emouots due wKW itis Security laaaom i,grad tbo toredt=the priucipai balartca of the Nota. If Leader rxe3ves a pt mmo from Borrower far a delir+quortt PCdixk Payummt which imlodes a Wff3d q anrottnl LO pay any late Charge&*,the payment m*y be Apptled to Eire dart payment and the s late charge.If mom then one Paxio&c PAYMent is ouWanding,L.wdar trtq tgdy xray pAy b%K roceived from t s Borrower to the repttyoncnt of the Pedadic Pay=nts it;and to aha:extant that,eaeb payment tart be paid in € M.To the extent UW any tice a exists after the payment is appt'tcd to dee fail paymeet of one or more Pedoriic Payments, arrear excest na be Appi"rod to any tae the rM dee, Voluntary preys menus Shari be i applied first to gay pmpayment chargas and than cels dox3fibed in the Note. Any applteatlou of pUymoats,iRnuanec proeoadt;,or Wnwft=w Pmosaft to pimc ipal due uadde tltt E Nate shalt not Wand or porlpone the due date,or ehmge tM unoitat,of the Pe kX&P6pgm mta. i tt-sWat toMa cwt.(1a>wd) st>sa arra i i i ids 1 ' 8K 19 8 9 P&44.5-2 r 3 . t 1 F t r Fpp E+ j DOC ID #: 3.FuNk for How"Items.Boumar shdl pay to Lender on the day P Payments sect dire ontfac the Note,until Lk Note is paid in M.a an(tic'plaids")to povwc for payment of atownte due fan (n) taxes and&moments.and OOM items which can attain priority over obis Security h►slramenl as a lion of enctuabrawtoe on tbo Property;(b)laawbold p rp"mts or gr'owtd putts on tote Property,if troy;(c)p^amu for any and ab inaursrsa roquited by Lead=under Section S;amt(d)Mortp W Iatsuaaoc pmniwns,if any,or ; tory same pa** by Burrower b I.endtr in liar of tM payment or•Mortgage h ranee pnnatiums in aaadaeee with the provisiorla of Sestina ISI,7b=ha ns am called'Earxaw lams."At arisination or at any time dt ing the Wo of the Loral, Lender mq require that Community Asboeiation Dw a, Pen, and At scat,if any,be wasted by Bonower,and numb data:,fees rad woetwments 9M1I be an Escrow Item. i Bottower dta12 proo"y farnitil to Under all noti cas df*Wait to be paid Under this SWIM Renower shall pay Ladder the Ands for Escrow holm uole a I ender waives Boexoate4 obflsation to pay rhe Fuadt for any or all Escrow Items,Leader may walvc Barrowex's obiip im to pay to Lenin Porde for any or ail Items at any ihtrta.Any such wal-tw may only be in wtitiog.In the want of such waiver,Bommw:r 0*8 pity ditectly.when sad*hem pgyaW the oma mqt due fbr any Escrow Items for which payment of Funds has } bow waived by lender turd. if Lander re*drm da finidi to Lander reoeipm evidencing such paytmeatt i within wt h arra period as tattier may require.Aortowees obi lw1oa to mitre such paymnau and to provide rtxofats dmU for x21 ptapoaes be dusted to be a covenant aad Weemm oe mbmd in this Seearity Inst wimt,is am pbruse "covenant and agTmmW is used io Section 9. If Borrower is obUgued to Pay BMW IM U dbreatly,pursuant w a+y SW&,acrd>orMwer tbils to pay the amount due fbr an Ilacsbw Tamm, Landes may egetrise its rights nadirs Section 9 and pity arca amosan acrd Borrower ttball then be obligaw under Section 9 to May to Lawlor any such ownt.Leader wary ttt vote rho waiver as 3o any or an BSCttiyw s. Rents ffi any tress by a malice given to aoeordaace with Section IS at►d,upon sud mvoijtion.Borrower rattan s pay to Undo all Pmds. alert in tach amounts, drat am then t>3q>z W under this Secft 3. Ind ar may,at any time"WUwet and held Ronda item steamt(a)PAWent to p wmIt Larder too**the i Funds a;the Ibm tg>eClfled abler RESPA,and(b)cwt to exceed the*win=amount a leader can raytsQe I ander RESPA.Latdw rind admia the amount of End dere on the bels of casual data ted moble easdmat,es of Upertdltum of loam Bamw Iaema or od wrwkte lin&0=d&=with AppUab)e Law. The Fsmds 62x11 be held in an hwitudon whose do=ks test inum d.by a fedsW aleacy,immmemmUty. � or redly(including Laxw,if trader is an institution whm depotita ars so it>mtted)or in any Federal Now Loan Bank.Laxier ahsll apply the Ponds to pay the Dam Rema no laser Chao the timw spwMad under e RBSPA:Lender shall not obwp Bonovmr for holder and%Viying%k Breda,army nsm1piog the-escom sm"Vit,or vc0ifteg the Eactow 10CM,unless Leader poya Bormwer b tencst on tfit Funds and AppWaMr, Law permits Lander to nuke such a chap. ileuses an a memm is made in writing or Apok*bk Law i roquinws intare st to be paid on tAt Firq*Deluder WWI not be mquimd to pay Be vvoa any intered or eamings i on the Funds&crowd and Lander can agree.in writbts,b&MOvtn thm interest shall be paid on the Fwtds. L nine d mD give to Bortowee.writbout charge rn'aatnual socouating of lbw Fronds a rr pbw by MPA. If thane is a surplus of Ponds bald in escrow,as def and u ndet RMPA,Dander sbsi!account to Borrower for the exocst fends in ac+ccadw=with RESPA.Ix that is a shortage of Frm b held In+escrow,as defined udder RESPA,L,atda shall notify Soaower as marred by PMPA,and Borrower sWI pay to Lendar the amount necessary ic make up the thortaae in atom-dam with REMA,bort in no ulnae than 22 mouthty € paysttettts. if these is a da6citotey of Puada held in aacevvv. as"aidund:x RMA, Crania shun notify j Borrower as mgoired by PMPA, and Borrower shall pay to Lender the mount nec amary to make up the doficioncy in acoordium writh RESPA,but in no moan that:12 monthly paymmtts, 1 f.auFa2 low Ott.(lamm asps e d til Faro SM Iml } i • i } �� o Ito 7 i E t k R { i f i DOC ID : Upon payment in NU of AD awns secured by this Sa miry Inas MMM.[tinder stall promptly n*JW to s Bomowa any Fuad$MW by Undet 4.Chutes;X4=&grower$i*i pay alt(Axes,soars,charges,fmM end inWsitlarus attributable to the FropeM which can attain priorkty ours this Securk hmnumt,ieAa!<kW payn"is or ground rents on fha Pmperty,if Nt1y,Ord Gbmmavtity Amdmim Dues.le.and AmesammM if eny.To the extant that theare itmm am Stacrow ifems.Butts W dust"pay them in the mariner provided in Section 3. i burrower Abd promptly dischasrge any lies which hue priority over this Seewity, htartroraoal uniess BcurowW()49mft in wfi tt$to the Wmat of the obligatim swurod by the lien in a ttsarmer aeosptabie to LmWtr,but usury say 1012 24 Borrower is pesfbradng such agreameni;(b)wwAsts the lien in good tbitft by,or def rAs against axtfomommt of ft Jim in.legal p maedi V wtdch In La dees opiaioa op me to prevent fisc mfbMMWA of tht;Tien wink dwyc PMem lap am pmdina,but only until sueh pm vwdhW aro o mcloded; Of(c)t firm the holdtr of the lie"an&VVMO tt Wafestory to Launder mbOtdim tg the lien to this Security Iasutma nt.If Under detm alm that any pact of rho Ptroperty is autajM to a lien whims can attain i priority OUT this Sttudty Intronopt,bendy may give Bmawa:A notim idmd(yMS ttsa Nett.VrrMu 10 days of than date can whieb that notice i&given,Smower shall sanity tks ilea•of halve ate or mm of the Ktio m set ' fords above in ttti$Section 4. Leader a>sy rnquirc BQfmww to pay a ouoktiimc charge for a raW esme Wx vctitcation and/or repotting service rued by I.ender In Wanec+tioo with tlsitt Lora. S-P"PWY Iparraatxx.B0m)% r stt V kap the inVmvenvott now aztium or haSseAfrix axoeted on use Ibv)terty W mrd ROAM loss by Sre*haxauads included within the twin"exftded eovaeg%"trod any other I howds ist$tarl3l shat) be ttsnirttsatry ay ilsoin, mtquolms and Hands, fru which Lender ince. This wait dada t€bie truth)act)for t}aa'pr3iods tlsai!I.exader mviro$.What Lando ngvjros parerawttt to the lm+coedita=MWOM can c>»atgr,dwbmg the tam of the Lawns. f The iasmttae CM66 pr riding the bmrwm shall be by Bamraw object to LaidWs tW to morn BoaKowtf$(hoist,which right slptii.not be wcrrai$od ply.Lander mmi ratgt ke So mer to pay,in comwmft ruin'this Leen,ehEhar.(a)a ono4nm cbup for hood zone dmotinimaion,cft!6mdim and barking servicaest or(b)a ax"me doge for Bood zone detombtatlott and wrier=vim and '• subscquml ebUM Mb lana mvmgonp ce sivaler t>tt04M occur which rcumbly nuljht Atfal ranch t dowmhuitim or Wit.Rotrbwer shall a w ba respoaa{ble for tm psymetu of my few impar by$la { IWaW EmaWmIcy Mkownetit Asatxy In mop with the review of any flood zeas dasaarrms<tatiop resuuieg b ot>3 an aobjectiota by Sorntxm If Borrower 1111b to asairiaiv any of the Wvff ges deact'ibed above, Lmtgr obtain insurance cavarage,at t etkWs ogtioss rood Saroweta expamsrs.Leader is under no oblipom to purchase any parrticulter type or etfWppt ot-COWAVC..Tlurfom mwb atveragc shall axrm Larder, but aught or might not"act Borrower.Barn WUS axprtty In the Pneny, at the cantasta of the Property, egaink tray risk, hazed or { liability and mi&ptovido VOW or)rata cov&W than wra psi ousiy in d rw_Borrower admowledM i that the cm of the masvatsa eovetsgt so obWwA mint $iguifscatsuy=ccd the cog of knxm toe that Borrower CoWd have obtoim&Any*maims disbursed by Loader under)kis sectim 5 ehall becoase addkioft s drbt of BmVW treanarod by this Sm AMY bsstraroenL MR=aeectttetts$hall bear hitertm at the Nott:rete from s ft date of disimm hent and alas)) be payable, with such natural, opott notisx from Lader to Btnower F payment. All k mmee politics requ ked by Iatndcr and mnewWs of$vch polices shalt be subject m Leach's right to dlaapprUve aarrA polkita,shall bwludo a ftrxiwd tempt dams,end adwJl tsasae Letada as wee =11br as an additional toss payee.Lander shall have the Apt try hold the pO&W$and rtxsewat txatlGnatr$ If a �N tori (.>tt_(1 atle8l paw 7 or 17 Fates tm rttit BK..-! 9..89.PG 4 8 5 3 ..__ .....,__,...._...-. _-._.. .... . . F t 1 i 3 `y t t DOC TD i): 3 T.et�der rEgsares,BOoaer sthali PrOMOV give to Lo der tdi '1"8 f pots tO, if w, or clot and shy shtiraa L trsda�Is Beglow r Obta= tray form of istp lr y i d Of,tha %such policy dinil include a atsusdab saottBaBe al endloc sns an adchtloshal�t+ • the ins 'and fethder.L.arsdtt spy siseveat of toss,BMVWer ehali&We I W Other in In the UWM Lae>d�and � matte proal.of loss if not rustle rnbno�WcK was by d,bk shun be writing, nd or of the gym', it Use mtmaOw of ft*AU Wt We"OL w hold s eecuaityNagsods Mgi r And teataratsann!t�PMpWY t>e WQ*has p oo a is �MA an°pp° wr �`ty os to be wsde t&m -Lad" been wed to Lenda g satiafrcttws.t►�v d in t or in a sacks of P ' disbam Prod frit the sa Unis.jtirs and r�1° scahla Lsor regnirca intaeat to be I may sa aaa&.In wtiti n oe go s as the aodr is eotuPla=cd&as.Lmder da rot be �d t0 Pay Baarow«Bay h'�or d�n&V on i tdwll trot be paid Out Of paid on each � spublic��dxl►o�li4urd p�dest. It � not dw ensurarsx Pia and sds I be the sok Obi d>< "q be Ap�6d 60 t y fdatto'hie or L,ettdnt's thed�city for train with $aadoa�. d qty.Paid to Eta4wtz• SMS wwtd bythis SdxtfitY b W OO io the Order p sa>srdce C18itA '• �'i a Pas ,L �Sk. and t wit any available" if Banm'cr O na t'�d WWa 30 days to a tsW09;from 71x vt ft and rel"MUMOM If Boffower p `moi ; Z�We the Cit11IIt 4Ci gC3Ud hD Ci&isu.titbit L.nrsdes rust'a utlda SOC6W 22 or beIIta wMa tba ttoUoa is given. it tither event. oror r�pI tib inatxauea i in an tttnWssht �Sa mwer tweby aadVS to L eadar(a) Ib*rhmG and(ts) OUsa of Boit<sl"a pttdpt the Diode or this Sat oaitY Bw )� , pow 1 not to excad the amOdint!� �, y�p,aid by ��rrny rights(atha ttsaai rho tight to any retssod of unomts t COWMV of the Pro�Y 'sem eoverin the pt vent',iawiv as rigkes arc+p4ii�6 of�to pay aurounts>V0d haler the Mute or this the tits da aitber to rtpr dx tesdOna the Property Swa,ty imst voe4t.whaWOr va v=do& and wsa the PcopatY as Barmvnes l�'Ogdaoce f 6. •BptYpwar tdsatl SPY• tY8oc+sss' t and da=to=b o m"line { within 6D dttys AbW the e a vom of Ibta >�ar rho ddsk OP dxxsepssseeY, uAkaa I.asder Bormwa'a prior °0 fO1f to d%1a Y wiUstsdld,or:mics$exunmdu C1vst agr as in wtitttt .which oarmut shalt scot be uare"d►* tripe ` gwomte,c0000i. x Imp�i.Boirowa shat wlsic�saral>dYQ°d *vA Protan at am ProPtT �. ' allow the plop to ort Mudt wasw on the propdtty. , may+damage or irgWv'tk PM IV,a Baaowrs elw,p atiAs tt►e PcoputY in a dar to p.evant What" not BOMWet is aesiding in value due to its�reodition.Ugless it is deteradned pasa�t W Use P�opertY trw or do feasible.Btasowu dMU pro Y�the Ptoptsrb►if SdsWM 5 that repair or MIRW804 not e�ly me paid m ismid tthNoef OK datt�• If ia�aaanx or oond� ink � danaa�t tl io" BwMwa eiwii raepondble fat Oval ing MwaWon with dump to, a the t dr*otr the �,WCh P0*OM,Leat dost'6sbw% � r+e Wfta the PtopeM only if L.esnder has r A a paries of VOPM P"'MM as OW agate is for tho repairs and teatoratton in a sink PO- CML(iWaltl p+asaos» Pam 3m stat g � 989PG485.4 t t t 4 z f DOC ID the Paopa�', E a condom ' ata o�of$9tt to mitvcl43(teWAFSfim' aontptated. If frit laved o;a for tM Co+a��"�� ti�of tho Ptaparq�• if it has Borrower is not ist ve d t rAIV wm`s� eta Opm W4 " L Lasdtx ex its t may make on tha Ply' siren give rats k entree,Leader may impcet tic intMoc of frit impcavo>�sash turnable Bottv�vea tsasdioc ft flair of of prier to each an is c r dntiag frit Boat►opplit P Ocm 8.>docro+rts'a i.00an App flirstll be h►�or forth BOYO mes krtowle*or et the dirccdoo or failed to s I3o(eower a any pocaona of antltiea sctia►S MW intortn an a' to�(itttclvd�but comont tm m rawly ralad:, �• wills the LOW.MW.AW ptnvida W4at with n lk"rofWOOM)in ma's x Y of trio Pcopr�y°8 8�1° 'g i� I Sro not iWted to.hpeasonmtiorta $ If(a) { 9f Lada's Iat�ead Is the�'a>.d (b)then is a covounts and garvwa Pails tfom ftm in tltc Property Sndlvr�dts undo this that misfit ei8><itflc 'fly.aftect L far or fvcfcl m, for tem � such as a p � t>aubupu.7. PfOb't0� t ar m e ID= Tawe or i whk h may attain pnmty arca W d Pal fix wlreuwa 15 or (s18�rtowe>: has abr►da i ty�rioz mde r thie SteatitYt� t• 1 or to protect L mda' and/or t�Y ori i 8.and/or,nebot94 nlnr of frit plapcxty,and ae�ticinS t,lion which ho ix' ty tweludWS i j +g actions can rl lar,but are not WWtetl to.(a)pt►yina taty Vie.cent to FvW its over this Sacmity T�'nAWt;ro)tis ea►ooh ad(cl iter trsxctt! $ ; inudtrset in Iha "It".pe ty aadhz dom tri d S tn' Ineta�aent, iaclva t m litrdted to,asteriet�frit gyp'to nmka iacluA,but' trot t Securing ittr 1?mp�y drain wSta�idp�elim+s8ettz bo3ltlGtg 4r rep>aoe or board vp dons e� � t�ka ' otim code vi0WAW ex'dansemus WrAtions,and have afoul &tuned aor ZIYo tx o dmATor abligadw to deo W.It acthm pollex this 5wd M 9,L nda docs sac nava to do 00 T1s to ueetitt this Sextien 9. is 4v"d that Lemd Sndrr Trtetire no lialxTiq for not uk t add&W debt of Botrvwcr secartd Any atttonttts diabattied by I.extdor nudes at10`t daiatttoai Ts1e hrom the dw of dobvrwmem by titin So=*}rtatruatant��e emouau atoll bei' ttd elan/bo pgoble,with such latex-Wma mot'at ftom I W BWWOYwtt rogoas»> d'the loam If this Secoiry jWft=txd ie on a k.Se4W4 Harrower*'" f.titre dsatl trot tneeYa unless Lendot tf I3vrmwer taaqOO Sea tide to the I'ropcM,the 1 agrees to the memer in wreimg.�* ° I as a canditiods of nom$ Loall d.Ittthe lettd�ttga °' [.esydar eae the M lam==to effect.If,fat Say T3ortower ehSlt pay"pmrAituns reepb5d I,auaef Donees p be ayaalalfEe tear the mottles Frac drat wvmp re oed by M*6 ordo pmed p yutotua 3 s a*4 ypayPs /mquired mho p hued w obtain o f toward the pcaraittma reg I>s to cffmt at a ooat ditty aubstand&W e0velea1 to rho Mtw4w I y in ykAe�.x�,t�an 2%em ee hwum�� ooS,to Botrowor of the Mort 4 I CUMNW is not&VOU 4ti�ie,JIM10".r ehStl by LaNW,If subewdODy«iaiv" is*awe"due wbm ttta WW"m oavaW to play to Lander the amonot ofd thm��, re ere,a o0n��fewm m ceased to be in etre m TfrdummW notw9the tt trio tact that tlta L'm lieu of Mawr Ii m 5nah ribs rem SW be� Foaxc ttet. 4 ftAW,Q mum CAL(low Papa d i7 BK I g�9PG�855 . 't 4 F EkC f fL 1 S[ t f Doc ID = of C nac d in W.and IxDddc abaU not be segnl if 1 8%r lrtsr mm coverage C� the to P"Borrower any is ulticnatafY 1� see oda.dirt loss reams PaY s b7 I.o muss b�a>xs Z can fa Mrntgagc tt�t rem ��C.crcda r+ rca}Py degiS by on nth the amoaat aril for tht to iod eta to wand was t avaltAbla is obtained,arrd Lawar mgvrse5 eepe dYas a COMM of g the Lau► hmvlvsw, if Lardtr��fVi~ iWmWWCfnwmd Uta Prtsn'°ms for MprtgW�'�°`�" rogoi red t4 snake l9�� MartBme�ist eE6act,or to dam a �matt shall Day the Putt far Mom lsMursruo asks j°icaordu►Qe wtW any rttom,until l andds ratan leaden oc smtil kau is by APPHMW sad Lestder P ' such raft u the rw Pr *d In the Neu. resat ea k�� IO affmu Bvao�B a F to Per } scs it may t law. dum'W mw4t int► is as (ar aaq Wa a ,to tiro Matte Mme. Z inmy if Bt>:rnwa'dam 401�`the I7si��a� io fou from time to tiAm pssd tisur tisstan >tt grommavahmia!heir tonal riai<on all Iwclt rodaoe_ 'I 1 gC ft Mom ea tW abort or teorill thea ' (or Pte)to these ; u and,«her P+ra . my� coetdidona that a tothe Ws *86morwWWJM raai�e PxY�u =�of nude Geeta Ztteet:&I have iaclude t5,nda obu M that the atodpp'"'my have aysdttble(which asst , anOdw insurer,arty reisnt"'my l ei• Lender,DRY P a(f u ,or iadiruOY}�mou t ow datve As s r4sutt aF Utete o in excbme,tot p�WHY,a(my affiGatc of X88)ciporticft ttin a�for h(origef� vides {bat art be 'Iosxa. If retch>�' tahmi% or mtodltybg tt sassster'ts n ti*- cxd gt fac t*tare of rho ptes�tisms Paid to 1114 aif'iifim of Leadu tai= a share of t6a islaort >: _ ;retinas,Rte t WX lraaoranta 'zO" r,� i ta}� ibte tt� of tle tori Sada� erg t I r or'Wy tWd eY tie llorrwwer W�taa . � a�¢p • with respect owe ro �affect Im r�dacat°'+er o b►w.'[lr<ae +tis aiay F jou Ad of Im or any ifb i s !lW Bader do 114401" yW gmjdu caenootls►OOA t lV6ort to receive corttria auo]oaWt4 to a refund of anY indwk the dBu ate,swdfac Eo�- I liar Wlrat►r °o�p gartb6aure• Pr°°ccds axeY Xl<. Of r ai the s assisaed UD UW ahaT>be PW to f erlda. procob ahnll 6e�ed to rrntoraOO � iP the PrvpadY is A� me"msm, sn"lesmmd.Dudn aucb i feasi'bla and Lendes?:s `tY ,�t arch tsar property,if the rptCratiOa�Ick shAU kava the test t0 bola etsoh00 PWHA D4isoed 1 facliosr. had an vPP rruty to is�t such ftvem to cnwrc the MaY F ier + art in is provided Wel.such►spa'shad be undia lymenaff9d ' shalt ! a s►tirgie �t or In a series of PaY as atilti$IV �Promcds,L� 1 dI A cable Law intiarotrl to be paid If rite rmom im or made In wdit or Wli ��of on ends wrm t 00eO�' not be M99bW to PW any CHL(lokasl t-orm ttos � f g89P6�s��6 f s It DOC ID ��p�ocacd>s t n pair is not eoona><WkWly feasible o:Leaade>'s secutity would be ioasaa 411!1+6 this Sets dV IWtn wt,whether'or oat thea due,with the ex*=if any, t be applleed to the stuctR accrued by athaa�I be WOW in the Ott*prWMAA W in moo Z' f paid to Bwtower.Sooh b4isoe the lufisocuw oows 1? i Ira the gmt of a total taking,dedfvatloa,or Iia�Vow of the per" with the exeoss.if sisflil be atap#iod to ttte sins sed vy Hutt Security�>,Whether or not ligan due. � tidy.paid a aa•74wcx• dea uakn,or loss in value of the pmWty in which im fort market vahae ' In flue bvettt of a 1 A Wft before tht partial Wd S'd ion+oc lora:in vahre is C(pW to m'greater 040 of the ftperty dumsedt y befaco dye pttrtlaT tstiag,deatrtacliorr, the at�rrwtat of the fauna saxttred by ttos See�b' la tba wearied by tiffs Smudky or loss is value.t Hopower and L t f odlteivolaa the follwAng fraction. ItutWnmseat et u be redoeed by the Mormt of fire tKIs0e1lara+eoas Pt000ea�i mekigp�kd�,Or loss in value Wly bdote the Parti i (a)the!Orel tunotaiE Of Thu secrurrd before tVA POW reeking,drskttct M.a'M { divided by(b)ft tsar ataricet value of the itndiY In value.Auy balettoc aahaII be eaWloss in vaharr of rho YtoQaty in whirls the fair rice U value In the coeur of a ptutial iskkittg, &Aruetion,of loss in vahae is leas than the soft**of Of the Properly imumAckly before Use pausal taclwtg, of lace is valve, vrsieaS$orsowrrf ' the seats seamed immethately before The pallial Wdr►R be VOWto�srgras secured by this I Leader othacwiw 09M in mums,,the SWUft laatrunmt whether of TO the sum,ace then thea L tttdef to Bonovrer�t ft to If ft Property is abaad mW by .or If,atter malice by PJAY las termed In"not NW-OW)00"to make an award to der is as *ooliect and at PlY a respExtd W Lawlor withhs 30 drat the dace tth anotice� m to rix Sams mm-ad by tltss ftMiaoedlasne0us Paw& eitha to ramafatlwt rt*of owes BoitdWet 3ecoiity insutrwent,whether or not that sormwarhxas a right acYivt►nrrega rd to MlseelltOMW MWOW""Proceeds or the party PMOOO whether civil or faiaf+p,Is beM that.in Borrower Shall be to de alt if airy aactiam or pt g� of Lowe,interest { I,ende et jet pmt,cortld restclt in toffoiture of the I'�y of other maleic!f� � in tho Pcopo:ry or rsg}1ts udder this Security Ins+avaraau Borrower can cafe such a ekfwalt W4 If axalmniiai to Section 19.by C&Wmg the croon er procoeding to be dix[disaed with a has accurst,reattatate as P�j lades for19,by of die Property Or other Material imphir meat of Lender a ruling that,in f en�S JWli h psi of any sward or da im foe t imercxt in the Property or rights+rotor this 5eeaAY IrlRdMO WL 7710 Proceeds, datdagaee tTsau are atlrlbrrtabde to the impwment of bends iaaaest in the P'iraPariY rrctset+eby tmadti gall q MI mons proceeds that aro not applied w atiOo are*of rho Pc�Vmy e3a11 be pW to bt tappiiet3 lir ft order provided for in SeaiUOd Z Not as Waiver. of the tom for it Bosruwa r Not Aelmsedi ldort►auaMOM By I.andar payrnmrt ax mo�fieatioo of amortize aw of the mmna secured by this Seaaaity Instra�at grmated by L rola to Bax+awaf a any Stiseoeasor is Ialxdt otBoerMer 8W not operate to:claw Ura fivbMty of Bormc r ac MY I so M=%&95against any Stx:oesaors is laterest of Banower. I,mda'shall not be toq�d t of otEu�wise modify arooctisvtiv+r of i SvmeSsor in Intertg of Borfawa Cr to refuse to ea NZO time �torte by Ih mPd er or atY the wins a by thEt Security IatstarunarT by r=t of Under light at rwiedy indu&ng. Saooa�savas in Insrrost of R-YOF.K.�+gY f by Leader in tx g soy 'Bh without 11mitation.Leaws acaeptenee of pays is thud persoes.rxttitiea or Sus is in Ya rd of �.aJ,(pA}(05na1 CtiL(toi�l Pqr 111 oa 17 From 3M 1191 Bt1989PG4857 i r DOC TD 4t # Boffo*w or in amounts less than drt anwMt Then duf,slWI not be a waiver of or praahxk the cmd0c of any rightjdy. goons.Batrower covextants end 13.joint SW3evesral Lbbay;C 11oi i Sion A agrees that Borrowees ob8geliw and liatbilily fill be joint and sevr-al. HOWOM, any BWO" who W41pa thea Secueity bmumM but does not MWO Dr Now(a"catdg ere(a)is 00" 8' 05 toss Sact:rity f Itt aliment oniy to mort p,grant and cmtvey the rn.sisncr'a iuleamt in the ftvaty untkt IM tames of this [ Seem*bwgument;(b)is not parsondly obbgatod to Pay rho sums aeetned by thea sewAty IMSW n 4 add (a;) age that Lender and tory oiba Boaowet can apes w attend. modify, Row or autke any i 4 aoco,ntoncldkM with MW to the tax"of this Sectutty 1,>sU'anncnt of the Nota wiWotht ft aao-si s a t consent Subject to 116 paovittiotts of Section I8,arry SacccibDor in IttteSt of Int who asattmres Bwrutvdr's y Laxler,tttwll Obtuse 211 Of Bonowds othligations radar this Security instrumatat In wMirag!and is�+'dQ�Y # d0M std bencafttS ander dtls Security InSttrimOnL Borrows shall not be reels aced bra®Borrvwes oWgatlans cad litrbility ander tial Socwity kwuumexat wtlasc Gander agm w such Flow in wzi*,7U eovenrants and agrcaraenta of thla Serosity hwt omK tWU bind(except ae provided in Section T(1)andbehttalit the G asci asaigas of TAnder. 14, Loan Ckurs Lendet My t RwOwer fax for Service!; perforst�d in rnnaeetion weal $ottowats dr UIL for the pacrposa of proWrting Lextdra"s intrxest in the Property and r4hu under this j In Saaerity taw mmt.Incloft,but Dot Switred w,alto few.Ar S v oA fig tegerd lA arty udher face,the ab:ae m of exp=Authority in this Sawiity fere .VMtxt am,a�ot tEMga fees tit Borrower alert trot be eonamd as a•ptohlbttion on the t hw&g lk Spedfic(W to =ptsdit . y pmhiWte d by this SeeWtY Instrument or by Appiie ble Law. h if the Low is subject to it law which sae trrahtsmtnn tout Clsups.and Lim low is finatly iattxpcew so IM she luM eat Cr MW I= Caller or to be COUW d in•eoeneatsan w6 tba Loan exceed the Permitted amu,thou (a)any MKb lout tltttu p*WI be redaeed by the UMMt nee"my to reduce the dWP to the pWMIWd litnit;and(b)arty==atrcady corrected km Boao+wer which cxft* od pscadtud(imlts will t,e of luded to Borrower.Lender mq ehom W Mint this mAmd by reducing the peiaapar owed ardor alae Note or by making a direct pttyimaatt to Bamwer.if a rd=d redooes principal,rho re duatke will be thr&W as a pU1W pm t wi bWA cry pnpaymcnt charge (Wbmba or trot a ptepaymeat Charge Is provided for ander the Note). Borrower's aeeopocrwa of stay aooh roftrnd malt by &=I pgyraact to Bcrsorvu wi!! 00aa6kne a wSivecr of racy right of uaioa Borrower 0*1 brut arising oeat of Mali overcharge. I 15.Nod=.An staicos given by Bufr vm or IArAW in conackn with thio Seeudiry instfvme nt must bo In writing.Any notion to•Bornowet In epa>nee"M with this SecurityIaetrumcm shalt be dtroated to nava btxa shat to 2=0=when mailed by Srst dw =B oe when sewdly deAvered to Boao�wees natk= Adtdess if sent by otber me am N'oe=to:arty uac 8anawcr shall Cottsolttrio atotioe to all Hoato9nas maw AppiiovNe Law axpreasly mquim Otherwise. 'Tho notice address ahsli be the Property Address unless Bonewer has designated a catbstim" notice addim by notice b Lender: Borrower abaH pffiatptly coo f Lender of Borroww%ehaagts of ati� If Lander spa3flas a prr tednre for'�"Borrowch chmSe € address,thea Bonvwex shall OZIY report a dt>mge of addrt:4s tirraag>•that t�iRedl protxdare 'Then may he Only era dadgnated cerin atid,rec¢a under toss Security Inumu mt a tray oat dmt.Any mice to I vWcr shalt begiven by delivering it or by wtilatg it by AM e)sas trail to LerAws addraas stated bcran tmiaa under has designated MOW Sddseft by vjWoe IO Barrows.Any notice in oorwect M with afds Secm*hmrmMML shall not be ditWW to have boon given to Lender un61 aetuilty c�bived by I-e�t.If any Otoft YOd by { Form 3US IM ftopAj Mom) 989PG4858 I -T t i r E 5� i 4 DOC ID : this Security Lnauaarcot Is also mquimZ urda Applimblo Law,rho AppGtabic TAW�t wr7l 9atitlry the awmopmft requinmMI under this Sesta 1ty ittsuutnent. Ili.Covetntag Law;Soverrtbatr Avits of COMOSCOAM jbit SecMity Inas wgM shall be Sovemed i by redaral law and the law of the jurisdiction in which the L'mVAy is located. All rights sad doze6ons E contained In tills Somairy Tn*umatt arc snbjact to any requkem"ts sad limitatioxts of Applk9W tA-. i Apoic"Law might explicitly or 113pli64 allow the paflW to s9m by eoM=or it raiSltt be silW4 but such aileace shall not ba conatcued as a proldbstim ag4rat ggmememt by c6aOUL In the event that any F provision or daase of ibis Scemity bmuumam or ft NOW atiafliett with Applic"Law,aw cod16cE� not affect other provisitms of this Smutty l wWomem of the Note which = be given effect v,WKM the conaictim provrir . At teed In this Secatity InatAM=t' (a) WM& of tba mutWi u: gander dWl astyat apd include corresponding neuter words or words of the feadgi a podw,(b)words m thzAA2 v dtall mean 04 iuch* the plural and vice versa;and(o)the word"may' )lives sole ditpomwn without any obligation to taste airy action. 17.Bur rotrer'a Copy,Borrower a'hall be given Otto W"of rho Nose mid of ibis Sasnrirf hit mment. 19.TYamtltNt of the Ptvroy or a Basin" b ter t is Bonvm. As used in this Section M "huerm in the Property"means any NW or bw.GdW mtamat in the hcpesgi.mclndrng,but not limited W, dim berg MW Interests ummle rAd in a bond W decd,contract for flo4 mullumt asks contract or escmW agmoaneot,the ittteat of which is the t;rmufer of cilia by Bowowas at a btune date to a purclraatr. F If all of sttiy pati of the pmpmty at any Internal in the ptopeM is mld or tr daned(or if Boeaowat is not i a natural Pam ed a.bewrW ill infest in Bom wan'is sold or trandtsred)without Landcr's prior wriUm Consent,Leudet my mIldre hwnmiiw pnynxutt its DA of ttatt� by big�ocw5ty Iestrsimert� Howova,this optiae than m be exadwd by Lander if snub exerdme is prol>3blWd by App kshla TAW f If Lander eaarciaos this 0000, LtMrr shall give Born YRa vett of aeoekrt d o.Tito notice shall provide a petiad of sat lest t1w 30 days(mm the tett the rootlet is Siren m ecoord nee with Soetiat 15 within which Bot ower must pq all sums wcumd by this Sam ity k4tr mMt.If Borrawar fhils to pair these guns prior W the upiro m of thio period, Lender mRy invoice say mmedw pumiced by this Security € buuu=l without alto=notice or domatxd on Bottolm. } 1P.llorrorrer0o LLiabi to litdnatatte Alter Aamleratima.If Basowe7 mats certain aomditioos.Borrower shell b$ve the right to have c"eccemW of this Security bmuutraat diacantlnucd at any time prior w'lit # cmiiem of,(a)five days ban a dr.or the Property psi to am power of Sala ronitued in tris SOCWily s Instroaurot;(b)sueb other paW at Apiaic"Law might specify for chs Wr6ntuuan of 3000"es right to reaasdate:or(t:)entry of 6 JudSatent eafbcdng this Sacudty IttsaumcW.Tbm coediliomt ate that Borrower. ; (a) polys Leader all anmy wthith thea would be due under this Seearity Itusrummtt and the Now as it rw atxxtar 6m had occur+cod;(b)mm any defeak of Ony athet oovenadd Of agre mu;(c)pays all expectes mcurrad in enforcing this Sevadty bwourmot, kwhxilog, but not liraitod to reaaaaable� s try �and"h awn tact,arod other fees incurred for the purports protecting in the Propeny and rights under this Security Ins soment;and(d)takes suer saint m Lander may tunably require to ansate drat IAWW'a iulvrvst !n that Prrrparty and dots und" this Swwity 10=m=nt, and Borrower's obligation to pay that sums seOMW by tills Saearity Ltmtru mt,aw ooathsws ua MM4 Lander � may ragnira that laottower pq troch rabswommam m=and up==in one or marc of the fb ilowins forms, as selected by Lander.(a)emab:(b)nmey ardor,(e)entified cbm*.bask dtecl,tr canes Cbeck Or cashios:s dmk,provldad arty such check is drawn upas axe Mom whose deppeita aro insured by a baud agency, i t i s/t(PA)luxus) CKs.tt Waal Pot to or 17 Favi tMt I i i • s t r 8K r 989PG4859 t i x r f Doc IIS insuumeotality or ensd% or(d)VaGWOmic Funds'imvdar. upon tam'em by >3arrowex, Socudty a traw eett nand obtigatioas secured Eby droll rats O bey effective as if no aondmdm had occurred- However,ties riet b rf iustate shan eat so*in the case of scoelmWoo Under Suttee 18. A gala of.Note; of LAM Swvkort N+odit of Gitierarroe-'�Note or a partial isttadn in the tel)can be nand C=of tears tbttes without l�oouiere to Homwer• r Nott (020W with ddia Sec ity that coiiosts ftft is 3 A sink might heli in a Oitan$o to ilio sanity(iotown as Uhf oUher LM )loan ssrviciag obligodom tttlder doe under the Note w d this SeewIty t� i ttta Note.Iii Stm*hair mtL and Applicsltie loaf.Thm also might be ono or more of�� Sewicer wuelated to a sale of the Nott• If there is a spa of the>�S nicer,Bqn-owor $ice writft nutiCC Of the �fta watch will anent the hitt and addrt�s of the sew Loan Servicer, Ute addrtns to which paymenit*mW be mice and any otW Worm ikm RBSPA� m Ce.n+ectioet with a € notice of uartsfer of St*fig.If the NcAa is cold oM tbep4ter tba Y.oan i%eexlrieed by a I, is with the edeas t Um the purer Of the Note,the arortgit�a loon�'�6 o od$to evi8 rtaaaitQ aritb the I ` Serrltxr or be brardsfCeCd w a Loan Servicer and axe not assvrmed by ft Nota f # txtw-Wise provided by the NOW ptaohafar• Neltbw Smawer not Leader may cornmcuce,join.or be Joined to 00Y Mikid alien (as either au i individual H tarn or Ute meso of of a Chm)that a+i8t8 f m the other party's a dopa pttt�urt 14 dtis Security t Igat wmt of that allgm ft ftother ppM bm of,or Uy duty awed by, Of, this SmAty Inattament,uaUl such Som wer or Lender bu aotitiod Uta other piny(with such notice IWO in, i ecxnPliarice with titin roq> is of Scetiwt l5)of aitch anegat broach tem Ofte�ded the other poesy WMD a t bie lteltW ttf the$ice of such incited to take CmTediva octkm If Applicttbbe Law ptnvitbs a time i. rAdod width must dVse bndnre Cm ain Woon con be ften.,that tints paid will be deserted t0 be f8mm able ! Tito uotitx of sc er�iun sad apportuolly to canoe OM to Docrowty pmauest for p+ of tints psray�raple o pxmmg to Section 18 shall be destood to to Section 22 add the notice of aeo6am0On given of tbin Sed►20. w fisfy the mice road opporha*10 taU cartioctivo action psovgcions "are thorn attbstaoceg 21.HizardOoa�b used in thin Section 21,star '�►rtra v�om vaeoW LAw and the following defines) as t4WC or hazardous subetsacts. Polloml&of wasita by substancem V%dne.keeosate,other tlammuNt or toxic peW kwm f��+toxic pd(ieides artd trerbicides, i votatile solvents, mtitaials containing 8sb0m or formaidthyj. and ndk*ctiw ttlsteulttla; (b) 1 "Enviroaru RW Law*means federal laws and Iwo of thaw whims the ft*c ►is located Uar relate + to h�eajl�th�,stifety or etvirwa�m,,o.ryt�te.l pmm ,(c) "gavirCaraodtd CLUMP" inehuirs arty raPmm sdiOti, remedial action,or mOlOval actiog,as"nod as Envitama dllll Law,and(d)an*&vrrOOlTlental Codditko" atom a condldon that W cause.contribute to,or othe VW WW&2ft B'tvirw'maatat tCb=mp. Borrower shall not canoes of permit tbt:pry,,�use, moi,storage,or=km of any Hazardous Substat"S'Or tim an to rolease any Hum*m 5y,�-1�101.on of iu the Pm perty Sommer shall not do,nor { allow atayono"to do.anything ditbating the Property(a)titer is in vrolaticn of may Attviroomeatal law,@) Which Creates an ftvironatbttal Co0&6094 or(e)vv",due 6o the preeartoe,use,of rckaae of a Hazardous Svbstmtoa,creates a iooudiUOa that advWWY of ttw tib vtrttw of the RCpe"Y•Tho Wo ttantam shall not apply to the pramnM,use,or smogs on the =9 of amen qutrod8es of Huardoas Sttbatttncros that Wn gully recognized to be appropritie to vOmm l residesttk€utas and is mamta►$e>ee of t na l?mPwtY (in U&I.but sot Hated to,hazardous sabatarioea in coasunacr prodticw) , •L4Vj4 tm) C14L(t 94M pejo 11 of it Fem Vol i ' I e� 4 gegPG4860 s r 1 AOC ID 4: i Boner 9mll ptunptly Siva Under written itiotice of(a)any In cisira, dwWd,lawsuit of other action by any govemmotal or > phkwy agavoc7' of Ptdvate Pty involving the Bropccty and any Haxardons Subaa www or Aavitotlum W Law of which Domrowax bac affil IpaoW Wgt,(b)WY EUviroMnlal t Condition.)nchXbng but not luted to,sxly spilliq, kat*& dWharrge,release a threat of rekast of ahry � Hazardous Subatmea,and(e)way coodition caused by etre pro ,w of rr!cw of a Hxmrdm SuboWwo 1 whieb adversely at&=the value of the Pmpeny.U Sommer h(araaat,or is ratified by ataxy gcvetastawW of rquiatoty autbority,or any private party.direr spy removal or other mned"on of any H=a akw Sabstw" sgcWgg Qto Property is naceaeary,Iiarower da prvmpdy take all rhe emy m medid wdow in accordance with lInvirowurer al Law,Ndbmg herein anal)create any obligation on i.msdrs fear mi Anvifonamw cleanupi z NON-UNIFORM CO VENAMIS.Batvrver andl.ardar Mthar eovawt and rime ant follows 22.A 6kr diem l owdibs.Undw AM glfe nra9ea to Sortv+rec prior to awdft*sw Mores' Bon"WS break of any rfweatfaat air aaVeeawcnt in 0& Stx>andty Indrnwnsat (blit net par4er w Mderadon talader Section is"b w APPk"Law provides otheradn).Landw recta net*14"W" t of,awaoalig cheer able:(a)the detwt*(b)the sidiov Rubra to afire the de tto (c)wits ills det3t a ` mvd be and{d)lett!bMm to crass lino ddah as spatdW wary nwX in rrclodsarafiaa of ate 1-111; j txamW by this Sia m*4wta,mtsestt f"wksom by Wkid Rmeftg red awls afire PrOV067.ii,aaarier steal farther Muibeas Ea1mww of tiro d&to rdw ate*Mw atcdaWlew and tae e4W to trap to iA tae tart eww"pnotedSrB the arae-iddastx of a case U of nq attar dabot or Barruwer to awder OM and fosedoanre.If the delh&is not tarred as q edt44 Leader at ils opticin rw requite Isnaedintc POYM I.in 14dt d an ops newed by 06 army UnuvNew.wla 04 -dessaod and rated+ s. femctasa thio Svam*ImUmmant byalbi prome .L,ei�� 9.t be W to *3 mWamw ia=arrW ba pa.rtoxing the nam pwo*vidW Tea"Seedw 22,iodwilsg,but act bdW 4h attoaroeya' Ibeg atusd aotte or We"Wence to the®dist Wall"by App"bk LAW. 23.Ratiwee.Upon pgnwat of aN suaw sawrasd by this Sttctrrity Iltatnawt.this Staxirity hwirmr►mt and the estate.conveyed shall ttumimite and become void After such oeeunenea, I ratter shall dischm a and r satisfy this Sevaity Ltauument Bomyww shag pay Mary reaontatiai costa.Leader may oper=a Borrower a fre � for felea siog this Security Imtnm eal,but only-if the fix is paid to s third party far sen0ow modered and the j dat&g of the fee is pmmitte d hinder An*Mble LM. 1 24.W4aivtr&Borrow=, to the cxw*permitted by AppH=bk Law,waiver wW releases achy trror or defects in ptveeedivp to enksce this Security fwAurnag,and hereby waiver the benefit of any present or fntam laws prn#Wbn Ibr stay of execution,extension of duo,exemption town attachment,levy and sale,and l homestead examptiwL 25.lnshtterm*Perlod.Borrower's time to reb tma provided in section 19&hall extend to one hour prior to the OOMM=eeMMU uhf W"ag at a sherill's sak or odo sale pmuset to this Seemity batty tment 24& Purdue lleoasy M w4Sajy. If any of the debt aaaxwnd by this Seewity h*A ment is lest to j Borahwai'to regains We to the Ptoperty,d&Saarity Immanent"I be.a pw*tw Maury tnortgrllc. 1 27.Interest Rate Ager Jit.Bonvvw we"that the into>ralt rate payok tt#1ar a jud(lment is earned on the Note or in are Won of mortgage faaclosam sW be the rata payable,from time to tuna under j the Note. } y Ot-CWPA)(a" W1.00M) Pj7s 15 Of 17 Pam 34M '!(bt i j C t 999PG4861 F F rE 4 E k 5 t DOG ID #: EY SIGNM MOW, Bomwer worts aw oven to tams to tand c4v$nmaala taatai►ao tst is SeCority Int and ill any Rider axecated by fxroww and ra MW with it. i ool i { SHFi,i+eN A HENSEL .� k rr t \SOW/11 liQSrLY fr. nNSEL i (said) •Bwmwcr (om) -Ranwww 1 i i +19A{PRd lel CML(tQ�6B} Page 1�at iY FYbI Ri 8 CJD! i BK 1989PG486.2 t C DOC ZD : COMMONWEALTH OF PM049YLVANI4, Connly ss: nndcmignod offl=pe Nally voemds f hewn to me(or nndafw mily ice)to be tk p=m(s) wbaae mmo(s) isfam mbstibed io the wtth9n lomat W sckrawlodSW that h OICAbey exccuted the same Eor tlta purpom herein cofaaimd. t IN WnISIsa SOF,I hm mto act my hand and official seal, f My Canw-design Evil= NOTARIAL SEAT RAAdARA A RICHARMN Nokoy PiIIC /Y NORTH WWCON TW$CkW=R A 0 COMN TWO a pltri My Comn*00n Aug 2.2= _ I I Ufa of Reddesm do hereby cud fy tib the correct address of the with!"UiR4 Murtgagme is P.O.Box 2026,Rut.Mi 48501.2026. Wiawss my hand this day of t `s -WA)IMS) CHL(10=1 Pus17of 17 t�aaae 1t�rt BK t 989PG4863 Prepared by:CHRISTOPHER THOMAS AMEFUCAl WHGLESALE LEWER Brandt 0009192 is 2 JZRIGHO PLAZA* 3RD FLOOR DATE: 04113/2007 j3PICHO, NY 11753 i CASE ; phone: (516)733-6000 DOC ID#: Hr Fax Na. BORROWER.SHAWN A. EENSEL PROPERTY ADDRESS;257 WMURG RA NSWOURGr PA 17240--9212 LEGAL DESCRIMON EDIT A s r I T Certify this to be recorded rY�rk� this be recur �� In Cuni berland County PA fY P� .her�a d County , r v s Recorder of Deeds s FF#"A(COW • Leo Desmx Paan Exh t A IC404-XX(04=)(d) i I i I 1.989PG4864 E } t' TrME INSURANCE COMMITMENT { SCHEDULE A-4 LEGAL DESCRIPTION All that certain Lot,picas or parcei of land,witb the buildiags and Imprevements thereon erected,dtuRte,lying and being iln the Borough of Newburg,County of.Cumberland State of Pennsylvania: C. TRACT NO. 1 E All the following described teal estates lying and being situatt in the Township of Hopewell,County of Cumber)WW and Commonwealth of Pennsylvania,more particularly described as follows: BEGINNING at a point in the oenterline of a road leading from Newburg to Roxbury,known ss Legislative Route 264A, E and comer of land now Or formerly ofJ.Rind;thence by lands of Rias,North 46 degrees 45 minutes West,275.00 feet to an iron pin and other lands not or formerly of John A.Reed;thence by the same,South 67 degrees 35 minutes West, 100.00 feet to an iron pin;thence by the same,South 41 112 degrees East,260.00 feet more or l&Z,to a point in the centerline of the said Legislative Route;thence along the said centerline,Notch 67 degrees 35 minutes East, 150.00 fact to the point and place of BEGINNING. t TRACT NO.2(Lot Addition) All the following described real estates lying and ging situate in the Township of Hopewell,County of Cumberland and Commonwealth of Pennsylvania,more partioularly described as follows: f BEGINNING at an existing iron pin on tine Northeast comer of land now or fomterly of Wayne E.&Alverda C.Oeker and land now or fomnerly of John Rine,said point also Ding North 46 degrees West,275.00 feet$om a spike in the centerline of Pennsylvania Route 64I;dwwo by lands of Rine,North 46 degrees 45 minutes West,150.00 feet to an j txisting iron pin and land now or formerly of George 1.Shrawdccr(Executor of tate Estates of John A.Reedy thence by lands of Shrawder,South 67 degrees 35 minutes West, 185.25 feet to an iron pin;thence by the some,South 21 degrees 53 minutes East, 13S.03 feet to an iron pin;thcrow by land now or formerly of John Rine,North 68 degrees 07 minutes East; 145.25 feet to an existing iron pin;dwme by lands now or formerly of Ocker,North 67 degrees 35 minutes East, 100.00 r feet to an existing iron pin,the place of 1 EONNING. NOTE.Busing Lot(s) ,Blosit PARCEM 1-08-0608-029,Tax Map of the Borough of Newburg,Co"of f Cumberland. r t i i Y' Prepared by:CHRISTOPHER THOMAS LOAN : NOTE APRIL 13, 2007 SOMERSET NEW JERSEY !betel [City] jStataj 257 NEWBURG RD, NEWBURG, PA 17240-9212 tt'mp-fty Addroml 1,BORROWER'S PROMISE TO PAY In return for n loan flint I have received,I promise to pay U.S.$ 14 8,500.A 0 (this amount is called "Principal'), plus interest,to the order of the Lender.The Lender is AMERICA'S WHOLESALE LENDER I will make all payments under this Note in the form of cash,check or money order. I understand that tate 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.INTER1= Interest will be charged on unpaid principal until the full amount of Principal has been paid.I will pay interest nt a yearly rate of 9.350 %, The interest rate required by this Section 2 is the rate I will pay both before and nfler any dofault described in Section 6(13) of this Note. 3.PAYMENTS (A)Time and Place of Payments I will pay Principal and interest by making a payment every month. I will make my monthly payment on the I IRST day of each month beginning on TUNE 01, 2007 , I will make those payments every month until I have paid all of ilia Principal and interest and any other charges described below that I may owe under this Note.Bach monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal.If.on MAY 01, 2037 I Still owe amounts under this Note,I will pay those amounts in full an that date,which is called tie"Maturity Date." I will make my monthly payments at P.O. Box 660694, Dallas, TX 75266-0694 or at a different place if required by the Note Holder. (11)Amount of Monthly Payments My monthly payment will be in the amount of U.S.$ 1,232.45 4.BORROWER'S RIGHT TO PREPAY I have ilia right to make payments of Principal at any time before they are due.A prepayment of all of the unpaid principal is known as a "Full Prepayment." A prepayment of only part of the unpaid principal is known as a "Partial Prepayment." If the original Principal amount of this loan is$50,000 or less, I may make a Tull or Partial Prepayment without u ing any penalty.However,if the original Principal amount of this Note exceeds$50,000, I may prepay this Note in full at any time without penalty. O If within tlta first SIXTY ' months after the execution of the Note, I mak¢any prepayment(s) within any 12-month period,the total of which exceeds 20 percent(20%)of tile-original principal amount of tliis loan,I will pay a prepayment penalty in an amount equal to the payment of six(6)months'advance interest on the amount by which the total of my prepayments)within that 12-month period exceeds 20 percent(20%)of(lie ot'iginal principal imount of the Ioan. 5.LOAN CHARGES If a law,which applies to this loan and which sets maximum loan charges,is finally interpreted so that the interest of other loan charges collected or to be collected in connection with this loan exceed the permitted limits,then:(a)any such loan charge shall be reduced by die amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from me which exceeded permitted limits will be refunded to me.The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me.If a refund reduces Principal,the reduction will be treated as a Partial Prepayment. 6.BORROWER'S FAILURE TO PAY AS REQUIRED (A)bate Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the enc[of i"IFTEEN Calendar days after the date it is due,I will pay n late charge to the Note Holder,The amount of ilia 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 into payment. e 80-PENNSYLVANIA FIXED RATE NOTE 201390-PA (12/US)(d) Page 1 of 3 to I .11111111111111111 11111111Nlllllll11111111111111i1111111 61.0 NTE 001 001 (11)Default LOAN th If I do not pay Lite full amount of each monthly payment on the dale 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 rae that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount.That date must be at least.30 days after the date on which lie 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 Bolder will still have tite right to do so if I am in default at a later time. (E)Payment of Note Holder's Costs and Expenses if the Note Holder has required me to pay immediately in full as described above,the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.Those expenses include,for example,reasonable attorneys'fees. 7.GIVING OF NOTICES Unless applicable law requires a different method,any notice that.must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at cite addmss stated in Section 3(A)above or at a different address if I am given a notice of that different address. K.OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises made in this Note,including the promise to pay the full amount owed.Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things.Any person who takes over these obligations,including(lie obligations of a guarantor,surety or endorser of this Note,is also obligated to keep all of the promises made in this Note.The Note Holder may enforce its rights under this Note against each person individunlly or against all of us together.This means that any one of us may be required to pay all of tite amounts owed under this Note. 9.WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due."Notice of Dislionor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10.APPLICABLE LAW I agree that this agreement is to be governed by federal law and,to lite extent not preempted by federal law,by the laws of .tile stale where the real property is located. If a law, which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed die permitted limits,then:(a)any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit;and (b)any sums already collected from me which exceed permitted limits will be refunded to me.The Note Holder may choose to make this refund by reducing tine Principal I owe under this Note or by making a direct payment to me.If a refund reduces Principal,the reduction will be treated as a Partial Prepayment,but in no event will a prcpaymenL charge be assessed if the Note Holder chooses to reduce my Principal balances by applying such excess amounts. 11.SECURED NOTE In addition to lite protections given to tite Note Holder under this Note,a Mortgage,Decd of Trust,or Security Deed(tile "Security Instrument"),dated the same date as this Note,protects lite Note Holder from possible losses which might result if I do not keep die 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 hill of ail amounts I owe under this Note.Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option,Lender sbali give Borrower notice of acceleration.The notice shall provide a period of not.less than 30 days from the date tine notice is given in accordance with Sections I5 within which Borrower must pay ail 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 permi(tcd by this Security Instrument without further notice or demand on Borrower. 0 B(-PENNSYLVANIA FIXED RATE NOTE 20090-PA •(12/05) Page 2 of 3 r u LOAN �►; WITNESS'IHAND(S)AND SBAL(S)OF ITIE C)NDERSIGNED. SHAWN A. HMNSE L -Homo�vcr _Borrower. -borrower -Bonower (Sign Original Only) PAYTOTHEOMMOF wrtHOUTRECOURSE OOUNTRYMDE HOME LOANS,INC.,A NEW YORK CORPORATION DOING DUSINC-SS AS AMERICA'S WHOLESALE LENDER MICHELE ULANDER *EXECUTIVE VICE PRESIDENT o E30-PENNSYLVANIA FIXED RATE NoTE 2DO90-PA .(12105) Pago3 o13 i Print Your Documents Page 1 of 1 Shapiro&Denerdo LLC Leslie Mwnw 3600 Horizon Drive WE 160 71901213 5510 10007072 lQV or Russia PA 19406 Shawn A.Hensel 302 Hilltop Road Newburg PA 17240 http://IogsegpbOl/sendsuite%201ive/projects/image.aspx?pd=1 3/31/2014 r lu�,J� L Shawn A.Hensel 302 Hilltop Road Newburg,PA 17210 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR R HOME FROM FORECLOSURE This is an official notice that the mortgage on vonr home is in default andthe lender intend,, to Specific.information about the ttaturc of the default is )rovided inthe attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE' PROGI2.AM HEiWIAP ma tae able to help save vour_home. This notice es loins hocv the pro ram 'vvorks. To see if HEMAP can help, you must MEET WITH A CONSUMER Cl2I�DIT COUNSELING AGENCY WITHIN 33 DAYS OF TH.E DATE OF T.IiIS NOTICE. Take this Notice with you when. You meet with the Counseling Aacncv The name, address and hone number of Consumer Credit Co urIselin A<>encies servin Vour County are Iisted at the enol of this Notice. if ,()u havt anv,c uextitms ou Wray snit the Pennsylvania .Hosin J Finance A euev toll free at 1-RIM- -42- 397. ersons with int aired hearing can calf (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 NOT:IFICACION EN A.D.IUNTO ES DE .SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO .EN SU .CASA. SI NO COMPRENDE EL, CONTENIDO DE ESTA NOTI;FICACION OBTENGA UNA TRADUCCION INMEEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO AR,R.IBA. PUF.,DES SER ELEGIBLE PARA (IN PRESTAMO POR EL PROGRAMA LLAMADO "I-IOMEfalll1i`NI F WS' EMERGENCY ]MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Shawn A.Hensel and Holly E. Hensel PROPERTY ADDRESS: 257 New Road,Newburg,PA 17240 LOAN ACCT.NO.: ORIGINAL LENDER: America's Wholesale Lender CURRENT LENDER/SERVICER: Specialized Loan Servicing,LLC LAW FIRM FILE NO.: 12-041867 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU 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 THE NEXT THIRTY-THREE (33) DAYS. 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE, IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARYSTAY OF FORECLOSURE' YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. you have filed bankrugtcy,you can still apply for Eme en Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it UD to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:257 Newburg Road,Newburg,PA 17240 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 60 Months Delinquent since April 01,2009 $89,781.06 Other charges(explain/itemize): Pre-Default Late Charges: _ $3,573.96 Inspection Fees: _ $192.95 Corporate Advances $1,768.00 TOTAL AMOUNT PAST DUE: $95,315.97 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION(Do not use if not applicable): 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 $95,315.97, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made nava-'-and sent to: Specialized Loan Servicing,LLC c/o Shapiro&DeNardo,LLC 3600 Horizon Drive,Suite 150 King of Prussia,PA 19406 You can cure any other default by taking the following action within THIRTY(30)DAYS of the date of this letter: (Do not use if not applicable.) 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 mort a e 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 attorneys fees, OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then past duP pies any late or other charges then due reasonable attorne 's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified m wntme by the lender and by performing any other requirements under the mortgage.Curing your default in the manner set forth in this notice will restoremo our same position as if you had never defaulted. 3' mortgage to the EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro&DeNardo,LLC Address: 3600 Horizon Drive Suite 150,King of Prussia PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A.DeNardo Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a fist of all Counseling Agencies listed in Appendix C,FOR THE COUNTY in which the property is located,using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County , Report last updated OI/M01310:27 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 Print Your Documents Page 1 of I Shapiro&Denardo LLC L.esee Thomas 3600 Horizon Drive M 150 FA 71901213 55101000 7065 lOng of Holy E.Hensel 257 Newburg Road Newburg PA 17240 http://IogsegpbOl/sendsuite%201ive/projects/image.aspx?pd=1 3/31/2014 Date: Holly E. Hensel 257 Newburg Road Newburg,PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official nnfig, that +i— -ort gyapp on vrim- iv,— :U_deftul and intends to foreclose. sr)ccific infarmatipti j�j.. t, _Lhe lender attached pages ... ture of the di-fimilf -v — d d in the The 14 Q M EOWNER IS MORTG A GE,ASSISTANCE PROGRAM AM IwMAPN ►--- 1.- - b.te to hC-10save tourhome This --g.- MIllins how the ro rant 'r- Lich). you must MEET 'WITH A CON&IMPil ir,6cn "-- if HE WAP can 'IT COUNSELING AGFxlcv WITHIN 33 DAYS OF '1714F, DA NOTICE. 'Take. this Notice with you when you meet with the Counseling Agency, The name., address and nhone number of Consumer Your Count - are listed at the end 0 is Notice. if vou have anV ueslions 1,01, Pennsylvania Housing Finance A enev toll free. at 1-500-3=(2_239`7. 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 arca. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMI,A)I`TAMt�,"Nj"r LLAMANDO, ESTA AGENCIA (PI NNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS At, NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORrGAGE ASSISTANCE PROGRAM" EL CVAL PUEDE SALVAR SU CASA Dri, LA PERDIDA DEL DERECHO A R.EDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Shawn A. Hensel and Holly E.Hensel PROPERTY ADDRESS: 257 Newbur Road,Newburg,PA 17240 LOAN ACCT.NO.: ORIGINAL LENDER: America's Wholesale Lender CURRENT LENDER/SERVICER: Specialized Loan Servicing,LLC LAW FIRM FILE NO.: 12-041867 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU 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 THE NEXT THIRTY-THREE 33 DAYS. 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 (3 0) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseline agencies for the county in which the proR= 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED "TEMPORARY STA Y OF FORECLOSURE' YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSUREACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. fou have tied bankruptcy, ou can still apply for ErneEgency 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: 257 Newburg Road,Newburg,PA 17240 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 60 Months Delinquent since April 01,2009 $89,781.06 Other charges(explain/itemize): Pre-Default Late Charges: _ $3,573.96 Inspection Fees: _ $192.95 Corporate Advances $1,768.00 TOTAL AMOUNT PAST DUE: $95,315.97 B.YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION(Do not use if not applicable): 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 $95.315.97. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash.cashier's check certified check or money order made payable and sent to: Specialized Loan Servicing,LLC c/o Shapiro&DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia,PA 19406 You can cure any other default by taking the following action within THIRTY(30) DAYS of the date of this letter: (Do not use if not applicable.) 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 mort Ape 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 unon your mortgaged nroyerty. 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 periodyou will not be required to Pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- if you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour,before the Sheriffs Sale You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and byperformin any other requirements under the mortgage.Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- it is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date Of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Sha iro&DeNardo LLC Address. 3600 Horizon Drive Suite 150 King of Prussia PA 1M Phone n_ (610)278-6800 Fax number: (610)278-9980 Contact n_ erson• Christopher A DeNardo Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C,FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:01/09/201310:27 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance ofYork/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 Print Your Documents Page 1 of 1 Shapiro 8 Denardo LLC Leena Thomas 3800 Horiwn Drive STEof Prussia PA 19406 71901213 55101000 7058 Shawn A.Hensel 257 Newburg Road Newburg PA 17240 http://IogsegpbO l/sendsuite%201ive/projects/image.aspx?pd=1 3/31/2014 Date: 96wn A. Hensel 257 Newburg Road Newburg,PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an officialnoticethat the mortgage on your home is in default, and the lender intends to.foreclo I,, INCil !!11111121IN!'' attached pages. about the nature of the default is provided in the The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAI i ina be able t hell) save your home.. This notice explains how, thg-program works. To see if HE MAP can help, you must MEET WITH A CONSUMER CREDIT COUNS.E.LING AGENCY WITHIN 33 DAYS OF T.Hrl!', DATE OF THIS,NOTICE. Tithe this Notice with You when vou Meet Nvith the Counseli--Agenev. The name, address and phone number of Consumer Credit Counselin Agencies serving your County are listedat the end of this Notice. If"you have an q.uest-lons,vou mav call It the tgannjyAnia Housing Finance Aeencv toll free itt1-800-342-239 with impaired hearing can 1111,111[1 (717)780-1869). This Notice contains inIP01-tant 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 SUM Alm.PoRTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO ENT SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADIJCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS -AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PRC GRA.MA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE- ASSISTANCE, PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Shawn A.Hensel and Holly E.Hensel PROPERTY ADDRESS: 257 Newburg Road,Newburg,PA 17240 LOAN ACCT.NO.: ORIGINAL LENDER: America's Wholesale Lender CURRENT LENDER/SERVICER: Specialized Loan Servicing,LLC LAW FIRM FILE NO.: 12-041867 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU 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 THE NEXT THIRTY-THREE 33 DAYS. IF YOU DO NOT APPLY FOR EMERGEN Y MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" UP TO DATE. EXPLAINS HOW TO BRING YOUR MORTGAGE 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 d sigLiated consumer credit counselin a encies for the coup v in which the ro e lly 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 imm_ ediately 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 c Homeowner's Emergency Assistance Program Application with one of the designated completed credit counseling agencies listed at the end of this Notice. agencies have applications have for the programOnly consumer credit counseling application to the Pennsylvania Housing FinanceAgency. To tewillmporarily submitting tothe acomplete filing a foreclosure action, your application MUST be forwarded to PHFA and received lender from thirty(30)days of your face-to-face meeting with the counseling agency. win YWITH OU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAYS A MEETIN ILEA COUNSELING AGENCY WITHIN 33 DAYS OF THE POST DATE OF THIS NOTICE ND FILEANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER W BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY L EXPLAINED ABOYE,!N THE SECTION CALLED"TEMPORARYSTAY OF FORECLOSURE' YOU HAVE THE RICHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIOD' S Lit TE APPLICATION WILL NOT PREVENT THE LENDER FROM STAltTlNC A FORE 71"E E RIODS N BUT IF YOUR APPLICATION IS EVENTUALL YAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. Duringthat 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. y r NOTE: IF YOU ARE CURRENTLY PROTECTED By BANKRUPTCY,THE FOLLOWING PART OF THIS NOT CE IS FGO =4AJFrE PURPOSES ONLY AND SKOULD NOT BE CONSIDERED AS AN ATTELLECT ou have filed baukru tc , oun�" DEBTfor Eme eacMort HOW TO CURE YOUR MORTGAGE DEFAULT rin it u to date . NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on our property located at:257 Newburg Road,Newburg,pA 17240 Y IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 60 Months Delinquent since April 01,2009 Other charges(explain/itemize): 89 781.06 Pre-Default Late Charges: Inspection Fees: — $3,573.96 Corporate Advances - $192.95 TOTAL AMOUNT PAST DUE: $15768.00 95 315.97 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION(Do not use if not applicable): 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 $95.315.97, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Specialized Loan Servicing,LLC c/o Shapiro&DeNardo,LLC 3600 Horizon Drive,Suite 150 King of Prussia,PA 19406 You can cure any other default by taking the following action within THIRTY(30) DAYS of the date of this letter: (Do not use if not applicable.) 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 Qrevent the sale at an time ime up to one hour before the Sheriffs Sale. You may do so by 12Uing the total amount then past due plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing —by the lender and by_performing any other requirements under the mortgage.Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro&DeNardo,LLC Address: 3600 Horizon Drive,Suite 150,King of Prussia,PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A.DeNardo,Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C,FOR THE COUNTY in which the property is located,using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:01/09/2013 10:27 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of YorktY Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-2645913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 Print Your Documents Page 1 of 1 shapim a Denardo LLC Lenge names 3600 Horizon Drive sTE 160 7190 121355101000 7096 IOng of Pnrtvia PA 19406 Shawn A.Hensel 143 Turnpike Road Newburg PA 17240 http://IogsegpbOl/sendsuite%201ive/projects/image.aspx?pd=1 3/31/2014 Date: 11C/ Shawn A. Hensel 143 Tumpike Road Newburg, PAJ 7240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached,.pLa _ ges. The HOMEOWNER'S MORTGAGE, ASSISTANCE PROGRAM (HEMIAP) may be able to help save vour home. This notice explains how the Program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,you may call the Pennsvivania 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 IMPOR'FANCIA,PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTE NIDO 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. HOMEOWNER'S NAME(S): Shawn A.Hensel and Holly E.Hensel PROPERTY ADDRESS: 257 Newbur Road,Newburg,PA 17240 LOAN ACCT.NO.: ORIGINAL LENDER: America's Wholesale Lender CURRENT LENDER/SERVICER: Specialized Loan Servicing,LLC LAW FIRM FILE NO.: 12-041867 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU 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 THE NEXT THIRTY-THREE (33) DAYS. 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARYSTAYOF FORECLOSURE': YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. fou have filed bankruptcy, ou can still apply for Eme!jency Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT(Bring it uu to date) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:257 Newburg Road,Newburg,PA 17240 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 60 Months Delinquent since April 01,2009 $89,781.06 Other charges(explain/itemize): Pre-Default Late Charges: _ $3,573.96 Inspection Fees: _ $192.95 Corporate Advances $1,768.00 TOTAL AMOUNT PAST DUE: $95,315.97 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION(Do not use if not applicable): 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 $95.315.97, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash, cashier's check certified check or money order made payable and sent to: Specialized Loan Servicing,LLC c/o Shapiro&DeNardo,LLC 3600 Horizon Drive,Suite 150 King of Prussia,PA 19406 You can cure any other default by taking the following action within THIRTY(30)DAYS of the date of this letter:(Do not use if not applicable.) 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 proverty. 1T 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 up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by pgrforming any other requirements under the mortgage.Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro&DeNardo LLC Address: 3600 Horizon Drive,Suite 150.Kine of Prussia PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A.DeNardo,Esauire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C,FOR THE COUNTY in which the property is located,using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:01/092013 10:27 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 . Chambersburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 f. Print Your Documents Page 1 of 1 Shapiro 8 Denerdo LLC LoWe Thomas 3600 Horizon DAve STE 160 PA 18408 71901213 55101000 7089 Holly E.Hensel 143 Turnpike Road Newburg PA 17240 http://IogsegpbOl/sendsuite%201ive/projects/image.aspx?pd=1 3/31/2014 t Date:s- "aIg Holly E. Hensel 1.43 Turnpike Load Newburg,PA 17240 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pares. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HFMAP) may be able to help save your home. This notice explains how the program works To See if HEMAP can Delp, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF TIIE DATE OI'' THIS NOTICE. '.fake this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your Cou:nh° tare listed at the end of this Notice If you have any rtuestions,you may call the Pennsylvania Housing Finance Agency toll free at I-800-342 '739"7 (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 hell)you find a lawyer. LA Narl FICACION EIN ADJUN` O ES DE SUMA IMPvIi"'I'ANCIA, PIJ ESS aAFEi CTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COiYIi'It:ENDE; Et CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE. A(;ENCY) SIN CARGOS AL NUML'120 MENCIONADO ARRIBA. PUEDES SER ELEGI13LE PARA ON PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S .EMERGENCY MOR"CGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Shawn A.Hensel and Holly E. Hensel PROPERTY ADDRESS: 257 Newburg Road,Newburg,PA 17240 LOAN ACCT.NO.: ORIGINAL LENDER: America's Wholesale Lender CURRENT LENDER/SERVICER: Specialized Loan Servicing, LLC LAW FIRM FILE NO.: 12-041867 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU 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 THE NEXT THIRTY-THREE 33 DAYS. 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 desi ated consumer credit co inseling agencies for the county in which the ro e 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARYSTAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. f you have filed bankruptcy, ou can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it UD to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:257 Newburg Road,Newburg,PA 17240 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 60 Months Delinquent since April 01,2009 $89,781.06 Other charges("plain/itemize): Pre-Default Late Charges: _ $3,573.96 Inspection Fees: _ $192.95 Corporate Advances $1,768.00 TOTAL AMOUNT PAST DUE: $95,315.97 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION(Do not use if not applicable): 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 $95.315.97. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash.cashier's check certified check or money order made savable and sent to: Specialized Loan Servicing,LLC c/o Shapiro&DeNardo,LLC 3600 Horizon Drive,Suite 150 King of Prussia,PA 19406 You can cure any other default by taking the following action within THIRTY(30)DAYS of the date of this letter:(Do not use if not applicable.) 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 mortgase 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 rip,ht to cure the default and Prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by Paying the total amount then Past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mort a e.Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro&DeNardo.LLC Address: 3600 Horizon Drive,Suite 150.Kine of Prussia.PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A.DeNardo,Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C,FOR THE COUNTY in which the property is located,using additional pages if necessary). w � HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:01/09/213 10:27 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-2645913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-3341518 717-780-3940 800-342-2397 R VERIFICATION Daniel Leon hereby states that he/she is Second Assistant Vice President of Specialized Loan Servicing; LLC, servicing agent for Plaintiff, in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. See.4904 relating to unsworn falsification to authorities. N� DATE: AUG 0 1 2014 Title: Second Assistant Vice President Company: Specialized Loan Servicing LLC S &D FILE NO: 12-041867 Shawn A. Hensel and Holly E. Hensel FORM 1 : IN THE COURT OF COMMON PLEAS OF The Bank of New York Mellon f/k/a The Bank of : CUMBERLAND COUNTY, New York,as Trustee for the Certificateholders of PENNSYLVANIA the CWABS,Inc.,Asset-Backed Certificates, Series 2007-4 Plaintiff(s) VS. Shawn A. Hensel 302 Hilltop Road Newburg, PA 17240 Holly E. Hensel 257 Newburg Road Fri Newburg, PA 17240CD 7-4 DEFENDANTS - Y 4 l � B-- �C) CD Defendant(s) Civil - a terry, 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(71.7)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty(20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage. foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference.It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative.However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: SHA RO&DeNARDO,LLC Date Atteys laintiff CA�r�r�r,�. FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARY Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes No Listing Date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied? Yes No Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? FINANCIAL 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): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses:(Please only include expenses you are currently paving) EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2 Id Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. Payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes 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 I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m financial situation for possible mortgage options. I/We understand that I/We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement(if property is currently on the market) FORM 3 : IN THE COURT OF COMMON PLEAS OF The Bank of New York Mellon f/k/a The Bank of CUMBERLAND COUNTY, PENNSYLVANIA New York,as Trustee for the Certificateholders of the CWABS,Inc.,Asset-Backed Certificates, Series 2007-4 Plaintiff(s) VS. Shawn A. Hensel 302 Hilltop Road Newburg, PA 17240 Holly E. Hensel 257 Newburg Road Newburg, PA 17240 DEFENDANTS 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 real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is 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 that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the 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 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S ��Uo�� OF CUMBERLAND o��U U�� OFFICE «��^~ ~=��"°"��~�"�~'��"~~° COUNTy. .�. Ho � ~*m� ~°r«,, OCT —3 PM 3' 3 CUMBERLAND CCUlay PENNSYLVANIA The Bank of New York Melkmf/k/a The Bank of New York, as Trustee for vs. Shawn A Hensel (et al.) Case Numbe 2014-4668 SHERIFF'S RETURN OF SERVICE 0028/2014 Sheriff RoR Andebeing duly for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Served" at 257 Newburg Road, Hopewell Township, Newburg, PA 17240. Residence is vacant. 08X002014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: HoIIy E Hensel, but was unable to Iocate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 143 Turnpike Rd, Hopewell Township, Newburg, PA 17240. Deputies were advised that the defendant has not lived at this address for over a year and to this date the Newburg Postmaster has not been able to provide a good forwarding address. 09/08/2014 OG:O5PM'Deputy Jamie DKNartlejbeing duly according to Iaw, served the requestedNoUceof Residential Mortgage Forectosure Diversionion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Debra Cunkle, Girlfriend, who accepted as "Adult Person inCharga''forShavvnAHenno|at 143 Turnpike Road, HnpewaUTmwnvve||. NmwburQ, PA 17240. JAMIE DIMARTLE, DEPUTY SHERIFF COST: $105.20 SO ANSWERS, September 23, 2014 (c) CountySuito Sheriff, Toleosoft, RONNYRANDERSON, SHERIFF SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset -Backed Certificates, Series 2007-4 mX PLAINTIFF NO: 14-4668 Civil =71 >wr. VS. r -<--x <rz v, Shawn A. Hensel and Holly E. Hensel DEFENDANTS PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above -captioned matter. Date: 101°1)14 SHAPIRO & DeNARDO, LLC Cf3 BY:019(1101ALWIPSY1/ Attorneys for Plaintiff ' CHANDRA M. ARKEMA, ESQUIRE SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset -Backed Certificates, Series 2007-4 PLAINTIFF NO: 14-4668 Civil VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above -captioned matter. Date: 1D190111+ BY: SHAPIRO & DeNARDO, LLC CHANDRA M. ARKEMA, ESQUIRE Attorneys for Plaintiff ell 99 7rn Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY r,F.-ic iF'THE '.FIF:F ?J R DEC 10 PH 3: 2, CUMBERLAND COU i PENgNSYLVAN1 The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for vs. Shawn A Hensel (et al.) Case Number 2014-4668 SHERIFF'S RETURN OF SERVICE 10/23/2014 01:45 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Holly E Hensel, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 257 Walnut Street, Apt. 1, Shippensburg Borough, Shippensburg, PA 17257. Deputies were advised by the property manager that the defendant no longer resides at this address. 10/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Holly E Hensel, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Franklin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 12/01/2014 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure returned by the Sheriff of Franklin County, the within named Defendant Holly E Hensel, not found. Dane Anthony, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $62.00 SO ANSWERS, December 05, 2014 RONNY R ANDERSON, SHERIFF (ci Cou' tySu:e Sherif', Te eosofi, ' �c. SHERIFF'S RETURN - NOT FOUND CASE NO: 2014-00379 T COMMONTWEALTH OF PENNSYLVANIA COUNTY OF FRANKLIN BANK OF NEW YORK MELLON FKA VS HOLLY E HENSEL ANDREW P CARTER , Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT , to wit: HENSEL HOLLY E but was unable to locate Her in his bailiwick. He therefore returns the COMP MORT FORE the within named DEFENDANT , HENSEL HOLLY E 716 PINOLA ROAD , NOT FOUND , as to SHIPPENSBURG, PA 17257 CURRENT RESIDENTS DO NOT KNOW DEFENDANT. Sheriff's Costs: Docketing .00 Service .00 Affidavit .00 Surcharge .00 .00 So answ ANDREW P CARTER DANE M ANTHONY, Sheriff .00 SHAPIRO AND DENARDO LLC 12/01/2014 Sworn and subscribed to before me H this 1 / 5' day of h,1 a©( 114‘6617i7 Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Public RICHARD D. McCARTY, Notary Chambersburg Boro., Franklin County My Commission Expires Jan. 29, 2015 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 SARAH K. McCAFFERY, ATTORNEY I.D. NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF -COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset -Backed Certificates, Series 2007-4 PLAINTIFF NO: 14-4668 Civil VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS MOTION FOR SERVICE PURSUANT TO COURT ORDER Plaintiff, by its counsel, Shapiro & DeNardo, LLC moves this Honorable Court for an Order pursuant to Pa. R.C.P. 3129.2(c)(1)(i)(C) and 430 permitting alternative service of the Complaint and any other document or pleading requiring original process upon Defendant, Holly E. Hensel, by sending a true and correct copy by simultaneous certified and regular mail; and by posting a true and correct copy on the mortgaged property that is the subject of the above - captioned mortgage foreclosure action; and in support thereof avers the following: 1. On August 7, 2014, Plaintiff filed its complaint in mortgage foreclosure against the above -captioned Defendants for the property located at 257 Newburg Road, Newburg, PA 17240 (hereinafter "Property"). 2. Plaintiff forwarded the Complaint to the Cumberland County Sheriff in order to effectuate personal service upon Defendant, Holly E. Hensel. 3. The Cumberland County Sheriff's attempts to serve Defendant, Holly E. Hensel, with the Complaint have been unsuccessful, as reflected on the Sheriff's Return of Service, attached hereto as Exhibit "A," and made a part hereof. 4. Pursuant to Pa. R.C.P. 430, Plaintiff has made good faith efforts to locate Defendant, Holly E. Hensel. An Affidavit of Good Faith Investigation, which sets forth the specific inquiries made and the results thereof, is attached hereto as Exhibit "B" and made a part hereof. 5. The Affidavit of Good Faith Investigation reflects that 716 Pinola Road, Shippensburg, PA 17257 is a valid address for Defendant, Holly E. Hensel. See Ex. "B." 6. However, the Cumberland County Sheriff's Return of Service for such address states otherwise. See Ex. "A." 7. A Request for Change of Address or Boxholder, pursuant to 36 C.F.R. 265.6(d)(6)(ii), completed and certified by the Newburg Pennsylvania Postmaster reflects the following: "Moved, left no forwarding address." A true and correct copy thereof is attached hereto as Exhibit "C" and made a part hereof. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter an Order allowing Plaintiff to serve the Complaint and any other document or pleading requiring original process on Defendant, Holly E. Hensel, by (1) sending a true and correct copy thereof by simultaneous certified and regular mail to the last known address located at 716 Pinola Road, Shippensburg, PA 17257; and (2) posting a true and correct copy thereof on the mortgaged property located at 257 Newburg Road, Newburg, PA 17240 by the Sheriff or any competent adult. Date: I?`' ft-( S&D: 12-041867 BY: SHAPIRO & DeNARDO, LLC Attorneys for Plain SARAH K. MCCAFFERX, SQ. Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Qy,,�1,. 01 4::Pi.Urr/, The Bank of New York Mellon flk/a The Bank: of New York, as Trustee for vs. Shawn A Hensel (et al.) Case Number 2014-4668 SHERIFFS RETURN OF SERVICE 08128/20'14 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick, The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Served" 257 Newburg Road, Hopewell- bwnsFp, Newburg, PA 17240 ;Rasideneeis 17 oanf.—'Y 09/08/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit:cl-Jnifyriseiffbut was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" a 3�ka ; p.e t#— ownshi l wburg, Pk1.7.24413. Deputies were advised that the defendant has not lived at this address 'Tbr over a year and to this date the Newburg Postmaster has not been able to provide a good forwarding address. 09/08/2014 06:05 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 handing a true copy to a person representing themselves to be Debra Cunkle, Girlfriend _ e p' kW d { Baa °:rim ' a . •r ' a , zidensetot tft p " e; =.ea. ° Poe e 111" "itiC`irg; PA 14.240 SHERIFF COST: $105.20 September 23, 2014 JAMIE DIMARTLE, DEPUTY SO ANSWERS,. RONNY R ANDERSON, SHERIFF C ijniySVfla SC,an.,. eeosp(t 1z- 4-1 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OFF CE OF THE S!':7FlEE The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for vs. Shawn A Hensel (et al.) Case Number 2014-4668 SHERIFF'S RETURN OF SERVICE 10/23/2014 01:45 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Holly E Hensel, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mo age Foreclosure Diversion Program and^C.ornplaictjc.. MoitgagpFor_eclosure as "Not Found" at 57 Walnut reet,,,4pt.� Shippensburg Bor_ough,_Shippensbung,.PA17.257Z Deputies were advised by the property manager that the defendant no longer resides at this address. 10/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Holly E Hensel, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Franklin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 12/01/2014 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure returned by the Sheriff of Franklin County, the within named Defendant Holly E Hensel, of ou . Dane Anthony, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $62.00 SO ANSWERS, December 05, 2014 RONI4cf R ANDERSON, SHERIFF *cik (c) Count,Suite Sheri`", 7eleosoft. Inc. ?,-.041 &627 SHERIFF'S RETURN - NOT FOUND CASE NO: 2014-00379 T COMMONTWEALTH OF PENNSYLVANIA COUNTY OF FRANKLIN BANK OF NEW YORK MELLON FKA VS HOLLY E HENSEL ANDREW P CARTER , Deputy Sheriff, who being duly sworn according to law, says, that he made,a diligent search and inquiry for the within named DEFENDANT , to wit: HENSEL HOLLY E but was unable to locate Her in his bailiwick. He therefore returns the COMP MORT FORE the within named DEFENDANT , HENSEL HOLLY E LIQ 6-- INOLA ROAD; , NOT FOUND , as to S�3IPPENSBURG��PA 17.2--5-7._._.� CURRENT RESIDENTS DO NOT KNOW DEFENDANT. Sheriff's Costs: Docketing Service Affidavit Surcharge .00 .00 .00 .00 .00 So answs:' —.6; ANDREW P CARTER DANE M ANTHONY, Sheriff .00 SHAPIRO AND DENARDO LLC 12/01/2014 Sworn and subscribed to.before me this : day o 1 d®r Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL RICHARD D. McCART`(, Notary Public Chambersburg Soto., Franklin County My Commission Expires Jan. 29, 2015 Ja-v4! 7 Confidential Investigative Services, Inc. ATTENTION: Theresa Besley Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 File #: 12-041867 Plaintiff: The Bank of New York Mellon f/k/a The Bank of New York County: Cumberland vs. Term #: 14-4668 Civil Defendant: Shawn A. Hensel & Holly E. Hensel Locate: Holly E. Hensel Address Given: 257 Newburg Road, Newburg, PA AFFIDAVIT OF GOOD FAITH INVESTIGATION LAST KNOWN ADDRESS 1) 716 Pinola Road, Shippensburg, PA 17257 2) 257 Walnut Street, Apt. 1, Shippensburg, PA 17257 SEARCH OF INVESTIGATIVE DATABASE SOURCES Investigative database sources report the most current address of the subject is 716 Pinola Road, Shippensburg, PA 17257. INQUIRY OF THE PENNSYLVANIA DEPARTMENT OF TRANSPORTATION The Pennsvania Department of Transportation — Division of Motor Vehicles reports driver's license number /I is issued to Holly E. Hensel of 716 Pinola Road, Shippensburg, PA 17257. The subject's license is current and not due to ex;oire until December 30, 2015. INQUIRY OF U.S. POST OFFICE (FOIA) Requests have been forwarded to the United States Post Office. SEARCH OF LOCAL TELEPHONE DIRECTORIES & PHONE CO TOR CONTACT The telephone company operator reports and re issued in the subject's name at 716 Pinola Road in Shippensburg, PA. The telephone company operator reports no listings issued in the subject's name at 257 Walnut Street, Apt. 1 in Shippensburg, PA or the surrounding area. CONTACTS 1) No neighbors with published listings could be reached to confirm the subject's residency at 716 Pinola Road in Shippensburg, PA. Contact could not be made at as the listing is not in service. Contact could not be made at as an answering machine with a female voice was reached. 2) Mr. Godfrey of 253 advised he is not familiar with the subject. I CERTIFY UNDER PENALTY OF PERJURY, THAT THE FOREGOING IS TRUE AND CORRECT, TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. 235 South 13th Street Philadelphia, PA 19107 (215) 546-7400 (800) 503-7400 Fax (215) 985-0169 AFFIANT: DIANE COWAN, CLI + & .UB CRIBED BEFORE ME THIS 1i�i_lc*!_1° 014 • • OMMO vwg eteiNSYLVANIK ,OTARIAL SEAL • t.ICA ROBERTSON, Notary Public City of Phrlede! hie, Phila, Courrtyr Mint n December 10, ?�4 •-b .4 HOLLY E HENSEL, SSN:■ Issued: aeofBirth DOB: Age: Address History 716 PINOLA RD, SHIPPENSBURG, PA 17257-9341 (FRANKLIN COUNTY) (09/03/2010 to 09/24/2014) 257 WALNUT ST APT 1, SHIPPENSBURG, PA 17257-2019 (CUMBERLAND COUNTY) (12/1992 to 03/24/2013) Address contains: 2 apartments 257 NEWBURG RD, NEWBURG, PA 17240-9212 (CUMBERLAND COUNTY) (2001 to 04/2011) 1 Current Private Phone Current Private Phone at address SPENCER, MICHELLE `84M\-1 \--1) PENNSYLVANIA DEPARTMENT OF TRANSPORTATION BUREAU OF DRIVER LICENSING BASIC DRIVER INFORMATION SEP 27 2014 DRIVER: HOLLY E HENSEL DRIVER LICENSE NO 716 PINOLA RD DATE OF BIRTH SHIPPENSBURG, PA 17257 SEX RECORD TYPE VETERAN STATUS : NOT DECLARED DRIVER LICENSE (DL) COMMERCIAL DRIVER LICENSE (CDL) PAGE 1 LICENSE CLASS : C LICENSE ISSUE DATE: JAN 04 2012 LICENSE EXPIRES : DEC 30 2015 ORIG ISSUE DATE : JUL 10 1992 MED RESTRICTIONS : NONE LEARNER PERMITS LICENSE STATUS CDL LICENSE CLASS CDL LICENSE ISSUED : CDL LICENSE EXPIRES: CDL ENDORSEMENTS : NONE CDL RESTRICTIONS : NONE CDL LEARNER PERMITS: CDL LICENSE STATUS : SB ENDORSEMENT : NOT VALID PROBATIONARY LICENSE (PL) PL LICENSE CLASS PL LICENSE ORIG ISS : PL LICENSE ISSUED . PL LICENSE EXPIRES . PL LICENSE STATUS . OCCUPATIONAL LIMITED LICENSE (OLL) OLL LICENSE CLASS . OLL LICENSE ISSUED . OLL LICENSE EXPIRES : OLL LICENSE STATUS . *** END OF RECORD *** Holly E Hensel 716 Pinola Rd Shi ensbur PA 17257-9341 Home Not in service Home Answering machine -female voice Kathy L Wenger 729 Pinola Rd Shi ensbur PA 17257-9341 Home Answering machine Rodney E Heberlig 713 Pinola Rd Shi ensbur PA 17257-9341 Home Answering machine Lynne M Cooper 762 Pinola Rd Shi ensbur , PA 17257-9341 Home Not in service ExlnihitB Cristina M Tackett 257 Walnut St Shippensburg, PA 17257-2019 David K Rakentine 259 Walnut St Shi ensbur PA 17257-2019 Home Rings and rings Kimberly Schale 262 Walnut St Shi ensbur , PA 17257-2020 Home Answering machine Nicole M Godfrey 253 Walnut St Shi ensbur PA 17257-2019 Home Mr. Godfrey advised he is not familiar with the subject. The telephone company operator reports no listings issued in the subject's name at 257 Walnut Street, Apt. 1 in Shippensburg, PA or the surrounding area. September 25, 2014 Postmaster NEWBURG, PA 17240 Request for Change of Address or Baxholder Information Needed for Service of Legal Process Please furnish the new address or name and street address (if a boxholder) for the following: NAME & ADDRESS: Holly E. Hensel ADDRESS: 257 Newburg Road Newburg, PA 17240 NOTE: The name and last known address are required for change of address information. The name, if known, and post office box address are required for boxholder information. The following information is provided in accordance with 39 CFR 265.6(d)(6)(ii). There is no fee for providing boxholder information. The fee or providing change of address information is waived in accordance with 39 CFR 265.6(d)(1) and (2) and corresponding Administrative Support Manual 352.44a and b. 1. Capacity of Requester (e.g. process server, attorney, party representing himself): ATTORNEY. 2. Statute or regulation that empowers me to serve process (not required when requester is an attorney or a party acting pro se - except a corporation acting pro se must cite statute(s): N/A 3. The names of all known parties to this litigation: The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of the CWABS, Inc., Asset -Backed Certificates, Series 2007-4 vs. Shawn A. Hensel and Holly E. Hensel 4. The court in which the case has been or will be heard: The Court of Common Pleas of CUMBERLAND County 5. The docket or other identifying number if one has been issued: 14-4668 Civil 6. The capacity in which this individual is to be served (e.g. defendant or witness): DEFENDANT WARNING THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000 OR IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.C. §1001). I certify that the above information is true and that the address information is needed and will be used solely for service of legal process in connection tual or prospcctivslitigatipn. Signature Theresa Besley Legal Assistant A. ADDRESS: Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 S&D File Number: 12-041867 FOR POST OFFICE USE ONLY Good As Addressed/No change of address order on file. NEW ADDRESS or BOXHOLDER'S POSTMARK Not known at address given NAME and STREET ADDRESS Moved, left no forwarding address No such address 2 106? VERIFICATION Sarah McCaffery, hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification, and that the statements made in the foregoing MOTION FOR SERVICE OF THE COMPLAINT IN MORTGAGE FORECLOSURE PURSUANT TO COURT ORDER are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Date: d't I i BY: S&D: 12-041867 SHAPIRO & DeNARDO, LLC Attorneys for Plain SARAH K. McCAFFER'L = Q. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 SARAH K. McCAFFERY, ATTORNEY I.D. NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset -Backed Certificates, Series 2007-4 PLAINTIFF NO: 14-4668 Civil VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS MEMORANDUM OF LAW Pennsylvania Rule of Civil Procedure 430(a) specifically provides: (a) If service cannot be made under the applicable rule the Plaintiff may move the Court for a special Order directing the method of service. The Motion shall be accompanied by an Affidavit stating the nature and extent of the investigation which has been made to determine the whereabouts of the Defendant and the reasons why service cannot be made. Note A Sheriffs Return of "Not Found" or the fact that a Defendant has moved without leaving a new. forwarding address is insufficient evidence of concealment. Gonzales vs. Polis, 238 Pa. Super. 362, 357 A.2d 580 (1976). Notice of intended adoption mailed to last known address requires a "good faith effort" to discover the correct address. Adoption of Walker, 468 Pa. 165, 360 A.2d 603 (1976). An illustration of a good faith effort to locate the Defendant includes (1) inquiries of postal authorities including inquiries pursuant to the Freedom of Information Act, 39 C.F.R. Part 265, (2) inquiries of relatives, neighbors, friends and employers of the Defendant and (3) examinations of local telephone directories, voter registration records, local tax records, and motor vehicle records. As reflected on the attached Sheriffs Return of Service, the Cumberland County Sheriff's attempts to serve Defendant, Holly E. Hensel, with the Complaint have been unsuccessful. See Ex. "A.". Good faith efforts to discover the whereabouts of Defendant, Holly E. Hensel, have been made, as evidenced by the numerous inquiries set forth in the attached Affidavit of Good Faith Investigation. See Ex. "B." The Affidavit of Good Faith Investigation reflects that 716 Pinola Road, Shippensburg, PA 17257 is a valid address. See Ex. "B." However, the Sheriffs Return of Service for that address states otherwise. As reflected in the Affidavit of Good Faith Investigation, inquiries have been made to the following persons and entities: 1. Defendant's creditors; 2. Directory Assistance; 3. Defendant's neighbors; 4. United States Postal Service; 5. Pennsylvania Department of Transportation, Driver and Vehicle Services; and 6. Pennsylvania State Vital Records Office. See Ex. "B." Inquiries have also been made to public record databases on the Internet, the County voter registration records, and the County tax assessment records. See Id. Despite all of the foregoing inquiries, Plaintiff has not been able to determine Defendant, Holly E. Hensel' present location. Based on the foregoing, it is more likely than not that Defendant, Holly E. Hensel is avoiding and/or evading personal service of the Complaint. Plaintiff respectfully requests this Honorable Court enter an Order allowing Plaintiff to serve the Complaint and any other document or pleading requiring original process on Defendant, Holly E. Hensel, by (1) sending true and correct copies thereof by simultaneous certified and regular mail to the last known address located at 716 Pinola Road, Shippensburg, PA 17257; and (2) posting a true and correct copy thereof on the mortgaged property located at 257 Newburg Road, Newburg, PA 17240 by the Sheriff or any competent adult. Date: ('fi"k (L(' BY: SHAPIRO & DeNARDO, LLC t A) Attorneys for Plairfif SARAH K. McCAFFER SQ. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY LD. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144 SARAH K. McCAFFERY, ATTORNEY LD. NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 12-041867 The Bank of New York Mellon f/k/a The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CIVIL DIVISION Certificateholders of the CWABS, Inc., CUMBERLAND COUNTY Asset -Backed Certificates, Series 2007-4 PLAINTIFF NO: 14-4668 Civil VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Motion for Service Pursuant to Court Order, Verification, Memorandum of Law, and proposed Order on to all parties named herein at their last known address or upon their attorney of record as below listed by regular mail, postage prepaid: Shawn A. Hensel, 25-7 Newburg Road, Newburg, PA 17240 Holly E. Hensel, 257 Newburg Road, Newburg, PA 17240 Shawn A. Hensel, 302 Hilltop Road, Newburg, PA 17240 Shawn A, Hensel, 143 Turnpike Road, Newburg, PA 17240 Holly E. Hensel, 143 Turnpike Road, Newburg, PA 17240 Holly E Hensel, 716 Pinola Road, Shippensburg, PA 17257 Holly E Hensel, 257 Walnut Street, Apt 1, Shippensburg, PA 17257 SHAPIRO & DeNARDO, LLC Date: 1—), BY: &Oak, 6' Attorneys for PI SARAH K. McCAFFERY, E Q. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION The Bank of New York Mellon f/k/a The NO: 14-4668 Civil Bank of New York, as Trustee for the Certificateholders of the CWABS, Inc., Asset -Backed Certificates, Series 2007-4 PLAINTIFF VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS ORDER < €) AND NOW, this 023 AAIday , 2014, upon consideration of Plaintiffs Motion for Service Pursuant to Court Order, Affidavit of Good Faith Investigation and Memorandum of Law is support thereof, and any response thereto, it is hereby ORDERED AND DECREED that Plaintiff may serve the Complaint and any other document or pleading requiring original process on Defendant, Holly E. Hensel, by (1) sending true and correct copies thereof by simultaneous certified and regular mail to the last known address located at 716 Pinola Road, Shippensburg, PA 17257; and (2) posting a true and correct copy thereof on the mortgaged property located at 257 Newburg Road, Newburg, PA 17240 by the Sheriff or any competent adult. Service of the aforementioned mailings is effective upon the date of mailing and is to be effectuated by Plaintiffs attorney, who will file with the Prothonotary's Office a Certificate of Service as to such mailings BY THE COURT: J. 3arrh k. Waffery. & /� ��a i led l,°P`l �� ,a4l SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78441615 JAN 5 APS [0. BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 CUMBERLAND COUNTY LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 PENNSYLVANIA SARAH K. McCAFFERY, ATTORNEY I.D. NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S&D FILE NO. 12-041.867 The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of the CWABS, Inc., Asset -Backed Certificates, Series 2007-4 PLAINTIFF VS. Shawn A. Hensel and Holly E. Hensel DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 14-4668 Civil PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above -captioned matter. Date: BY: SHAPIRO & DeNARDO, LLC SARAH K. Mc' .� Y, ESQ. Attorneys for Plaint $11,15Pu Arrf off 1409.8440. R,40 3)5719