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Supreme Court of Pennsylvania Court of,c i11moh leas For Prothonotary Use Only: Civil JCover Sheet tR AN Docket No: CUM Ntf% County S The information collected on this.fbrtn is used solely for court administralion purposes. T17is.f077n does 17ot supplement or replace Cheffling and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: S 0 Complaint El Writ of Summons Petition 0 Transfer from Another Jurisdiction O Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: T CITIMORTGAGE, INC. JENNIFER A. AINSCOUGH I D Yes NO Dollar Amount Requested: Owithin arbitration limits Are money damages requested? x (check one) Iz outside arbitration limits O N Is this a Class Action Suit? r_I Yes ix, No Is this an MDJAppeal? 0 Yes 0 No A Name of Plaintiff/Appellant's Attorney: POWERS, KIRN &ASSOCIATES, LLC Q Cheek here if,you have no attorney(are a Self-Represented JPro 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 0 Intentional Buyer Plaintiff Administrative Agencies D Malicious Prosecution El Debt Collection: Credit Card Board of Assessment M Motor Vehicle 0 Debt Collection: Other Board of Elections E] Nuisance 0 Dept.of Transportation Premises Liability El Statutory Appeal:Other S Product Liability (does not include E mass tort) 0 Employment Dispute: Slander/Libel/Defamation Discrimination (] C 0 Other: 0 Employment Dispute: Other ❑ Zoning Board T Other: I 0 Other: O MASS TORT Asbestos N Fij Tobacco 0 Toxic Tort-DES C! Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS E] Toxic Waste El Ejectment E] Common Law/Statutory Arbitration B F-1 Other: El Eminent Domain/Condemnation [3 Declaratory Judgment El Ground Rent n Mandamus L_ Landlord/Tenant Dispute 0 Non-Domestic Relations 0 Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY M Mortgage Foreclosure: Commercial Quo Warranto E3 Dental [I Partition 0 Replevin MLI Legal 0 Quiet Title ❑Other: M Medical 0 Othea: 0 Other Professional: Updated 1/1/2011 • ' POWERS, KIRN &ASSOCIATES, LLC Jill Manuel-Coughlin,Esquire Id. No. 63252 Jolanta Pekalska Esquire Id.No. 307968 %' r Wit ''r" Harry B. Reese Esquire Id. No. 310501 ,t Daniel C. Fanaselle, Esquire Id. No. 312292 ' til it` Matthew J. McDonnell, Esquire Id. No. 313549 ~� Eight Neshaminy Interplex PEA- Aa Suite 215 C'45}'� ��U'R�j �• Trevose, PA 19053 (215)942-2090 ATTORNEYS FOR PLAINTIFF CITIMORTGAGE, INC. COURT OF COMMON PLEAS 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY )N_ S4paq rvr VS. NO. JENNIFER A. AIN SCOUGH COMPLAINT IN 810 CHARLOTTE WAY, SUITE 304 MORTGAGE FORECLOSURE ENOLA,PA 17025 DEFENDANT NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty(20)days after this Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S.Bedford Street Carlisle,PA 17013 717-249-3166 S 800-990-9108 ( L) amt 7 S P a � IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.0 § 1692 et seq. (1977), DEFENDANT(S)MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S)DO SO IN WRITING WITHIN THIRTY(30)DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S)WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY(30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S)THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY(20)DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE,NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30)DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30)DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE)TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. ' POWERS, KIRN&ASSOCIATES, LLC Jill Manuel-Coughlin, Esquire Id. No. 63252 Jolanta Pekalska, Esquire Id. No. 307968 Harry B. Reese, Esquire Id. No. 310501 Daniel C. Fanaselle, Esquire Id. No. 312292 Matthew J. McDonnell, Esquire Id. No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 (215) 942-2090 ATTORNEYS FOR PLAINTIFF CITIMORTGAGE, INC. COURT OF COMMON PLEAS 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 CIVIL DIVISION PLAINTIFF CUMBERLAND COUNTY VS. NO. JENNIFER A. AINSCOUGH COMPLAINT IN 810 CHARLOTTE WAY, SUITE 304 MORTGAGE FORECLOSURE ENOLA, PA 17025 DEFENDANT CIVIL ACTION MORTGAGE FORECLOSURE 1. CitiMortgage, Inc. (hereinafter referred to as"Plaintiff") is a Corporation with a principal place of business in O'Fallon,Missouri. 2. Jennifer A. Ainscough(hereinafter referred to as "Defendant") is an adult individual residing at the address indicated in the caption hereof. 3. Plaintiff brings this action to foreclose on the mortgage between Defendant and itself as Mortgagee by Assignment. The Mortgage, dated August 1, 2008, was recorded on December 15, 2008 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Instrument 4200839647. Plaintiff is the Mortgagee by Assignment by virtue of an Assignment of Mortgage recorded on June 17, 2013 in the Office of Recorder of Deeds in Cumberland County in Instrument#201319728. A copy of the Mortgage and Assignment of Mortgage is attached and made a part hereof as Exhibits `A' and `B'. 4. The Mortgage secures the indebtedness of a Note executed by the Defendant on August 1, 2008 in the original principal amount of$66,000.00,which is payable to Plaintiff in monthly installments with an interest rate of 6.500%. A copy of the Note is attached and made a part hereof as Exhibit `C'. ' 5. The land subject to the mortgage is 810 Charlotte Way, Suite 304, Enola, PA 17025. A copy of the Legal Description is attached as part of the Mortgage as Exhibit `A' and incorporated herein. 6. The Defendant is the Record Owner of the mortgaged property located at 810 Charlotte Way, Suite 304, Enola, PA 17025. 7. The Mortgage is now in default due to the failure of Defendant to make payments as they became due and owing. As a result of the default,the following amounts are due: Principal Balance $61,450.88 Interest to 09/11/2014 $2,772.31 Accumulated Late Charges $20.85 Reconveyance $12.00 Release Fee $67.50 Less Escrow Balance ($275.55) TOTAL $64,047.99 plus interest from 09/12/2014 at$10.9433 per day, costs of suit and attorney's fees. 8. Plaintiff is not seeking a judgment of personal liability(or an in personam judgment) against the Defendants in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. 9. If Defendants have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. 10. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Homeowners' Emergency Mortgage Assistance ("Act 91 Notice")35 P.S. Section 1680.403c. 11. The Notice of Homeowners' Emergency Mortgage Assistance was required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendant by regular and certified mail on April 11, 2014. A copy of the Notice is attached and made a part hereof as Exhibit `D'. WHEREFORE,Plaintiff requests the court enter an in rem judgment against the Defendant, in the sum of $64,047.99, together with interest, costs, fees and charges collectible under the mortgage, including, but not limited to attorney's fees and costs, and for the foreclosure and sale of the mortgaged property. POWERS, KIRN &ASSOCIATES,LLC BY: VHarry 'll Manuel-Coug in,Esquire Id.No. 63252 lanta Pekalsk , Esquire Id. No. 307968 B. Reese, Esquire Id.No. 310501 ❑ Daniel C. Fanaselle,Esquire Id. No. 312292 ❑ Matthew J. McDonnell,Esquire Id.No. 313549 Attorneys for Plaintiff EX - klB - .,T I Prepared By: CitiMortgage,Inc. 100 Galleria Ofiicentre Ste:300 Southfield,MI 48034 Ntum To: Cit ge,Inc. A oeument Processing Bo 90021 .Louis, 63179-Ml Parcel Number:09-12.2992-0RECORD AND RETURNO1A-U3304 2 TITLESERV, INC Premises:810 CHARLOTTE WAY,304 ATTN:RECORDING DEPARTMENT ENOLA.PA 17025-1560 88 FROELICH FARM BLVD. WOODBURY,NY 11797 - +Jv. [spa Above Thb Line For Reaordina Data] MORTGAGE IN DEFINITIONS Words used In multiple sections of this document are defined below and other words are defined In Sections 3. 11, 13, 18,20 and 21. Certain rules regarding the usage of words used in this document are also provided In Section 18. (A)"Security Instrument"means this document,which is dated,August 1,2008 together with all Riders to this document. (B)"Borrower"Is JENNIFER A.AINSCOUGH,INDIVIDUAL{- 4 6j-Y RECORDING OR1G(NAL . I Borrower Is the mortgagor under this Security Instrument. (C)"MFRS" is Mortgage Electronic Registration Systems, Inc.MERS is a separate corporation that is acting solely as a nominee for Lender and Under s successors and assigns. MERE Is the mortgegm under this Security Instrument.NIERS is organized and existing under the laws of Delaware,and has an address and teienhone number of P O Box 2028 FLlnt M1 48501 2026 rot lanut a�q MF�t� VVEN •SYSA.F."ey•F.Ri.Mnff—I@.MK UNIFORM INSTRUMENT wRN NIERS mn M]Y iTvl WMcrs 10—FNnu1.I5svke NGN toso)..o IAWIL v.p. "rn (D)"Lender"is CitiMortgage,Inc. Lender is a Corporation organized and existing under the laws of New York Lender's address#1000 Technology Drive,0'Fallon,MO 63368-2240 (E)"Note"means the promissory note signed by Borrower and dated August 1,2008 The Note states that Borrower owes Lender Sixty Six Thousand Dollars (U.S.S 66,000.00 )plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt In full not later than September 1,2038 (F)"Property"means die properly that is described below under the heading"Transfer of Rights in the I Property." (0)"Loan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus Interest. (H)"Riders"means all Riders to this Security instrument that are executed by Borrower.The following Riders are to be executed by Borrower[check box as applicable]: I 19 Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider Q 1-4 Family Rider Q VA Rider Biweekly Payment Rider Q Other(s)[specify) Schedule"A" regulations, ordin"Applicable andl administrative rules andorders(thathavethedeffect of law)state nas well ascal allapplicable final, non-appealable judicial opinions. (J)"Community Association Dues,Fees,and Assessments"means all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. I (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper Instrument, which Is initiated through an electronic terminal, telephonic Instrument,computer,or magnetic tape so as to order,Instruct,or authorize a financial institution to debll or credit an account. Such term Includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated dearinghouse transfers. (L)"Escrow Items"means those items that are described in Section 3. (M)"Miscellaneous Proceeds"means any compensation,settlement,award of damages,or proceeds paid by any third party(other than Insurance proceeds paid under the coverages described in Section 5)for:(i) damage to, or destruction of, the Property; (11) condemnation or other taking of all or any part of the Property; (!ti) conveyance In lieu of condemnation;or(iv)misrepresentations of, or omissions as to, the value and/or condition of the Property. N5� VENSYLVANIA-ShVe F"mtly-Fww*M"NFr"6TRU d "PAN UNFORM INSMENT VMH MERS //�)�[/fg�IN -fam]e5 9 BIM WNtM Khw Fhwpchl Swint= IItlWb:y/]t-AWPp(i90af•e0 SCHEDULE A-LEGAL DESCRIPTION All that certain Condominium situate In the Township of East Pennsboro,County of Cumberland and State of Pennsylvania,being known and designated as follows: Unit No.810,Suite 304,L17 GA in Block No.2,Building 3,known as 810 Charlotte Way,Suite 304, Enola,PA,Westwood Village Condominium which has heretofore been submitted to the provisions of the Unit Property Act of Pennsylvania Aka of Jury 3,1963,P.L.196 by the recording In the Cumberland County Recorder of Deeds office of a Declaration Creating and establishing Westwood Village Condominium dated and recorded January 29,1975 in Misc.Book 213 page 283 as last amended in Misc.Book 223 page 343 and a Code of Regulations of Westwood Village Condominium dated and recorded January 29,1975 in Misc.Book 213 page 328,as last amended In Misc.Book 222 page 737 and Declaration Plan of Westwood Village Condominium dated and recorded January 29, 1975 in Plan Book 26 page 15 as last amended In Plan Book 28 page 72. Together with a proportionate undivided Interest In the Common Elements(a defined in such Declaration)of.930%. Together with all right,title and Interest in and to the Common Elements as more fully set forth in the aforesaid Declaration of the Condominium and Declaration Plans,as amended from time to time. For Informational Purposes Only: 810 CHARLOTTE WAY,ENOLA,PA 17025 Reference*�W i Record Owner(s): JENNIFER A.AINSCOUGH i COUNTY: CUMBERLAND PARCEL: 09-12- BLOCK: LOT: 2992- 001A- U3304-2 This Schedule A has been made accessible via our websRe for review only purposes.The final Schedule will be Included with your Title Commitment Any changes made to the Schedule which have not been sanctioned by our company will not be included in the title policy and therefore will not be insured. TITLFSERV OF NEW JERSEY,INC. CM"Mortgage Insurance"means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0)"Periodic Payment"means the regularly scheduled amount due for(i)principal and interest under the Note,plus(11)any amounts under Section 3 of this Security Instrument. (P)"RESPA"means the Real Estate Settlement Procedures Act(12 U.S.C.Section 2601 et seq.)and its implementing regulation, Regulation X (24 C.F.R. Pari 3500), as they might be amended from time to time,or any additional or successor legislation or regulation that governs the same subject matter.As used In this Security Instrument,"RESPA"refers to all requirements and restrictions that are imposed In regard to a"federally related mortgage loan" even if the Loan does not qualify as a"federally related mortgage loan"under RESPA. (Q)"Successor in Interest of Borrower"means any party that has taken title to the Property,whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender:(i)the repayment of the Loan,and all renewals,extensions and modifications of the Note; and(it) the performance of Borrower's covenants and agreements under this I Security Instrument and the Note.For this purpose,Borrower does hereby mortgage,grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors an assigns of MERS,the following described property located in the County IType of Recording Jwtsdtaton) of Cumberland [Name of Recording Jurisdiction); The Assessor's Parcel Number(Property Tax ID#)for the Real Property is 09-12-2992-OOIA-U33042. SEE ATTACHED LEGAL which currently has the address of 810 CHARLOTTE WAY,304 IStaeul ENOLA !city),Pennsylvania 17025-1560 (zip Code] ("Property Address"): 3.2n a.7n w 306 l/ol NNee�SIV.F""+y-FuiMmftedEMc UNIFORM INSTRUMENT ATH MERS PmmNO.00 Wd—so—M..W swe WWb: 0 17 1 TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to In this Security instrument as the"Property." Borrower understands and agrees that MERS holds only legal title to the Interests granted by.Borrower in this Security Instrument,but, if necessary to comply with law or custom,MFRS(as nominee for Lender and Lender's successors and assigns)has the right:to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property;and to lake any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower Is lawfully selsed of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered,except for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Item, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and Interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note.Borrower shall also pay funds for Escrow Items pursuant to Section 3.Payments due under the Note and this Security Instrument shall be made in U.S. currency.However,if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender. (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are Insured by a federal agency,instrumentality,or eatity;or(d)Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section IS. Lender may return any payment or partial payment If the payment or partial payments are insufficient to bring the Loan current.Lender may accept any payment or partial payment insufficient to bring the Loan current,without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds.Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current.If Borrower does not do so within a reasonable period of time,Lender shall either apply such funds or return them to Borrower.If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or In the future against Leader shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. ssnans Va PENNIYLVANA-SkV-F—ft-I--"M-ffr-M-M-c UMFOAM INSTRUMENT WITH MEAS ar,n 10]0,/O, vMr AI", ).co vvwn ahr FIMdtl SCMws I,dads: V.O..a 17 I t I 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shag be applied in the following order of priority: (a)interest due under the Note; (b) principal due under the Note; (c)amounts due under Section 3.Such payments shall be applied to-each Periodic Payment In the order in which it became due.Any remaining amounts shall be applied firs(to late charges,second to any other amounts due undei this Security Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which Includes a sufflcient amount to pay any late charge due,the payment may be applied to the delinquent payment and i the late charge.If more than one Periodic Payment Is outstanding,Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full.To the extent that any excess exists after the payment Is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied First to any prepayment charges and then as described In the Note. Any application of payments, Insurance proceeds,or Miscellaneous Proceeds to principal due under the!Vote shall not extend or postpone the due date,or change the amount,of the Periodic Payments. 3. Funds for Escrow Items.Borrower shall pay to Lender on the day Periodic Payments are due under the Note,until the Note is paid Lt full,a sum(the"Funds")to provide for payment of amounts due for: (a)taxes and assessments and other Items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b)leasehold payments or ground rents on the Property,if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums In accordance-with the provisions of Section 10. These items are called "Escrow Items."At origination or at any time during the term of the Loan,Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower. and such dues. fees and assessments shall be an Escrow Item.Borrower shag promptly furnish to Lender all notices of amounts to be paid under this Section.Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.Any such waiver may only be in writing.To the event of such waiver,Borrower shall pay directly,when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and.if Lender requires. shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to i be a covenant and agreement contained in this Security Instrument,as the phrase"covenant and agreement" is used to Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item,Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such i amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and,upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts,that are then required under this Section 3. 3.2n 5.18 v4 --U.P F--ft.F—k M.dFroddf.Mac umrowM MSTRwmn wnm MEPs rose trot vtwsama roewt.ao wok n ta.—Fhe.dtl s.vtcn urnaa Pipe 6 M 17 I Lender may,at any time.collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA,and(b)not to exceed the maximum amount a tender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow.Items or otherwise in.accordance with Applicable . Law. The Funds shall be held in an Institution whose deposits are Insured by a federal agency. Instrumentality,or entity(including Lender,if Lender is an institution whose deposits are so Insured)or In any Federal Home Loan Bank.Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds,annually I analyzing the escrow account,or verifying the Escrow items,unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge.Unless an agreement Is made in writing or Applicable Law requires Interest to be paid on the Funds,Lender shall not be required to pay Borrower any Interest or earnings on the Funds. Borrower and Lender can agree in writing.however,that interest shall be paid on the Funds. Lender shall give to Borrower,without charge,an annual accounting of the Funds as required by RESPA. If there Is a surplus of Funds held In escrow,as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA.If there is a shortage of Funds held in escrow, as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the shortage In accordance with RESPA,but in no more than 12 monthly payments.If there Is a deficiency of Funds held in escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shalt pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but In no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liras. Borrower shall pay all taxes, assessments, charges, fines, and Impositions attributable to the Property which can attain priority over this Security Instrument,leasebold payments or ground rents on the Property,If any,and Community Association Dues,Fees,and Assessments,If any.To the extent that these items are Escrow Items,Borrower shall pay them in the manner provided In Section 3. Borrower shall promptly discharge any Ben which has priority over this Security Instrument unless Borrower:(a)agrees in writing to the payment of the obligation secured by the lien in a Mannar acceptable I to Lender,but only so long as Borrower is performing such agreement; (b)contests the lien in good faith by.or defends against enforcement of the lien in,legal proceedings which in Leader's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or lake one or more of the actions set forth above in this Section 4. Mc ty s.z.ts.tew YLVAMA.AnpN FamOr•FM*W40 Om,M"VMFOIM tMSTaUMMIr wn'H MEAS J07Y tlOt =JV alloN foa aa o0 W"-fa, fY, n rypir�y; i7g� of 17 Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. J.Property insurance.Borrower shall keep the Improvements now existing or hereafter erected on the Property insured against loss by fire. hazards included within the term"extended coverage."and any other hazards including, but not limited to,earthquakes and floods, for which Lender requires Insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires.What Lender requires pursuant to the preceding sentences can change during the term of the Loan.The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services;or(b) a one-time charge for flood zone determinatlon and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency In connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above. Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender Is under no obligation to purchase any particular type or amount of coverage.Therefore,such coverage shall cover Lender,but might or might not protect Borrower,Borrower's equity in the Property,or the contents of the Property,against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained.Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional lou payee.Lender shall have the right to hold the policies and renewal certificates.If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.If Borrower obtains any form of insurance coverage,not otherwise required by Lender, for damage to, or destruction of,the Property,such polity shall Include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the Insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower.Unless Lender and Borrower otherwise agree In writing,any insurance proceeds,whether or not the underlying insurance was required by Lender.shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Leader's security is not lessened.During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken CftOAcrtpq.s.z+s•ra v4 PENNSTIVAlAA•54ae FMi1r•Fw"i"Ma�IFrmld�M"c uN1FOILM INSTRUMFM WfTl1 MFRSVMPWPA)(0191101 0.00 waft—®®10—R—d.4 sov..d triUda: Vep 7 of li promptly.Lender may disburse proceeds for the repairs and restoration In a single payment or In a series of progress payments as the work is completed.Unless an agreement Is made in writing or Applicable Law requires interest to be paid on such insurance proceeds.Lender shall not be required to pay Borrower any Interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out.of the Insurance proceeds and.shall be the sole obligation of Borrower,If the restoration or repair is not economically feasible or Lender's security would be lessened,the Insurance proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.Such Insurance proceeds shall be applied in the order provided for In Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters.If Borrower does not respond within 30 days to a notice from Lender that The insurance carrier has offered to settle a claim,then Lender may negotiate and settle the claim.The 30-day period will begin when the notice Is given. In either event, or if Lender acquires the Property under Section 22 or otherwise. Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds In an amount not to exceed the amounts unpaid under the Note or this Security Instrument,and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower)under all insurance policies covering the Property, Insofar as such rights are applicable to the I coverage of the Property.Lender may use the Insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument,whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as,Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower Is residing In the Property, Borrower shall maintain the Properly In order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration Is not economically feasible, Borrower shall promptly repair the Property If damaged to avoid further deterioration or damage. if insurance or condemnation proceeds are paid in connection with damage to,or the taking of, the Properly, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes.Lender may disburse proceeds for the repairs and restoration In a single payment or in a series of progress payments as the work is completed,If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,Borrower is not relleved of Borrower's obligation for the completion of such repair or restoration. i Lender or Its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause,Lender may inspect the Interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 12.15 18 V4 _ SkV@ Fartnr•fumb MedFMd.Mmc UMFOW MSTRUMENr wrTN MFRS a,m 707a 1107 �/arN(oso�l.00 WoOm Iffuwv FtrunWl SuNms hitlab: e�8 of 1r I 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's i knowledge or consent gave materially false,misleading,or inaccurate Information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9.Protect[on of Lender's Interest in the Property and Rights Under this Security Instrument.If (a)Borrower fails to perform the covenants and agreements contained In this Security Instrument,(b)there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument(such as a proceeding in bankruptcy,probate,for condemnation or forfeiture,for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or(c)Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,including protecting and/or assessing the value of the Property,and securing and/or repairing the Property. Lender's actions can Include,but are not limited to: (a)paying any sums secured by alien which has priority over this Security Instrument: (b) appearing In court: and (c) paying reasonable attorneys'fees to protect Its interest in the Properly and/or rights under this Security Instrument,including its secured position in a bankruptcy proceeding. Securing the Property includes, but Is not limited lo, entering the Property to make repairs,change locks, replace or board up doors and windows,drain water from pipes,eliminate building or other code violations or dangerous conditions, and have utilities turned on or off.Although Lender may take action under this Section 9,Lender does not have to do so and is not under any duty or obligation to do so.It Is agreed that Lender Incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of.Borrower secured by this Security Instrument.These amounts shall bear Interest at the Note rate from the date of disbursement and shall be payable,with such Interest, upon notice from Leader to Borrower requesting payment. If this Security Instrument Is on a leasehold. Borrower shall comply with all the provisions of the lease.If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10.Mortgage Insurance.If Lender required Mortgage insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect.If,for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage Insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substandalty equivalent to the cost to Borrower of the Mortgage Insurance previously to effect, from an alternate mortgage Insurer selected by Leader. If substantially equivalent Mortgage insurance coverage is not available.Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lien of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be a.zrsnaw �rp•RWF FeaOy r..+.Mayr came m..uxrroaM tnsrntthteerr wmr Mras vMpeM w(S 00 worm nh, rh Indat S.Mcn hdtwv�Pape 9 m fr tt� i j required to pay Borrower any Interest or earnings on such loss reserve.Lender can no longer require loss reserve payments If Mortgage Insurance coverage(in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available. Is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing In this Section 10 affects Borrower's obligation to pay interest at the rate provided In the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter Into agreements with other parties that share or modify their risk,or reduce losses.These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these agreements.These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements.Lender,any purchaser of the Note,another Insurer,any relasurer, any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be characterized as)a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk In exchange for a share of the premiums paid to the Insurer,the arrangement is often termed"captive reinsurance."Further. (a) Any such agreements wr71 not affect the amounts that Borrower has agreed to pay for Mortgage Insuraarx,or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance,and they will not entitle Borrower to any rafitnd. (b)Any such agreements will not affed the rights Borrower has-if any-with reaped to the Mortgage Insurance under the Homeowners Protection Ad of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance,to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. if the Property Is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair Is economically feasible and Leader's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such Inspection shall be undertaken promptly.Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work Is completed.Unless an agreement is made In writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on such fN5.1 DENNSYIVAMA•$ind�f�n0y•iurt� drrWd�We UNIFORM INSrAUMFM WRsN MENS Fwm72.70179 1/01avi* VMn vMP.%roawl.00 MR—Ww.v FirtCel S-1— IMIm: F.p�10 or 17 Miscellaneous Proceeds.If the restoration or repair is not economically feasible or Lender's security would i be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,with the excess,If any,paid to Borrower.Such Miscellaneous Proceeds shall be applied In the order provided for In Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall.be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower. In the event of a partial taking,destruction,or loss In value of the Property In which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss In value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the Iota] amount of the sums secured immediately before the partial taking, destruction, or loss In value divided by (b) the fair market value of the Property immediately before the partial taking,destruction,or loss in value.Any balance shall be paid to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value Is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Burrower, or if, after notice by Lender to Borrower that the Opposing Party(as defined in the next sentence) offers to make an award to settle a claim for damages. Borrower fails to respond to Lender within 30 days after the date the notice is given,Lender is authorized t to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the j sums secured by this Security Instrument,whether or not then due. "Opposing Party"means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding,whether civil or criminal,Is begun that,In Lender's judgment, could result In forfeiture of the Property or other material Impairment of Lender's Interest in the Property or rights under this Security Instrument.Borrower can cure such a default and, If acceleration has occurred,reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that,In Lender's Judgment•precludes forfeiture of the Property or other material Impairment of Lender's Interest in the Property or rights under this Security Instrument.The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest In the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the suns secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or an Successors in Interest of Borrower.Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by p�t�he original 9ng%Family-FwW.Mstff d"MK UNIFORM INSTRUMENT WITH MERS U ➢iwm303911101 V1.� VMIW VN(09011.00 Wwtw�lumv fnurclal seMm WdW: Vaga 11 r 17 f I I Borrower or any Successors in Interest of Borrower.Any forbearance by Lender in exercising any right or remedy including, without limitatlon, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or In amounts less than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. i 13.Joint and Several Liability; Co-signers; Successors and Assigns Bound.Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several.However,any Borrower who . co-signs this Security Instrument but does not execute the Note (a "co-signer"):(a) is co-signing this Security Instrument only to mortgage,grant and convey the co-signer's interest In the Property under the terms of this Security Instrument; (b)Is not personally obligated to pay the sums secured by this Security Instrument: and (c)agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor In Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing,and is approved by Lender,shall obtain all of Borrower's rights and benefits under this Security Instrument.Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind except as provided In Section 20)and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument,including,but not limited to,attorneys'fees,property Inspection and valuation fees. In regard to any other fees,the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee.Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges,and that law Is finally Interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge Is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 13. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to ! have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrower unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.Borrower shall promptly notify fender of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any MrSnVAMA.SWO r"mer-rr"i"MCNrred"Mae UWGW IN$rRUMEMr VM MER$ VAI s.te VI ie]8 Val wortm 10—rs,r wi 5"rvlc"7 vhmeMA 12.117 Pp"f x of l7 notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender.If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law, Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located.AB rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law.Applicable Law might explicitly or Implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract.In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include i corresponding neuter words or words of the feminine gender; (b)words in the singular shall mean and Include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take any action. 17.Borrower'a Copy.Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property,including, but not limited to,those beneticlal interests transferred in a bond for deed,contract for deed.Installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest In the Property Is sold or transferred(or if Borrower Is not a natural person and a beneficial Interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require Immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days from the date the notice is given In accordance with Section IS within which Borrower must pay all suras secured by this Security Instrument. If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, )iorrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of:(a)five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b)such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. 'Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as If no acceleration had occurred;(b)cures any default of any other covenants or �'9N FamOy.F-Ws Kt-Wt�dd4 Mx UMFOMW INSTNUMENr WnN MFRS �p a.it&1-9 Vt VI.P F-n+307-9 tier Wa1tm t4nve fYxndel Suvfm IM4h: tTWaNPN P+-9.to a t7 agreements;(c)pays all expenses incurred in enforcing(his Security Instrument,including,but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees Incurred for the purpose of protecting Lender's Interest in the Property and rights under this Security Instrument;and(d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument,and Borrower's obligation to pay the sums secured by(his Security Instrument,shall continue unchanged.Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check,bank check,treasurer's check or cashier's check,provided any such check is drawn upon an institution whose deposits are Insured by a federal agency,instrumentality or entity; or(d)Electronic Funds Transfer.Upon reinstatement by Borrower,this Security Instrument and obligations secured hereby shall remain fully effective as If no acceleration had occurred. However, this right to reinstate shall not apply In the rase of acceleration under Section 18. 20.Sale of Note;Change of Loan Servicer;Notice of Grievance.The Note or a partial interest In the Note (together with this Security Instrument)can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument,and Applicable Law.There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note.If(here is a change of the Loan Servicer,Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other Information RESPA requires In connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan Is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Sendcer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence,join, or be joined to any judicial action(as either an Individual litigant or the member of a class) that arises from the other patty's actions pursuant to this Security Inswment or that alleges that the other party has breached any provision of,or any duty owed by reason of, this Security Instrument,until such Borrower or Lender has notified the other party(with such notice given In compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hawdous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances,pollutants, or wastes by Environmental Law and the following substances:gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides,volatile solvents,materials containing asbestos or formaldehyde,and radioactive materials; (b)"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection; (c) "Environmental Cleanup"includes any response action,remedial action,or removal action, as defined in Environmental Law;and(d)an"Environmental Condition" means a condition that can cause, contribute to, or otherwise bigger an Environmental Cleanup. •Slr#%Fm6q.Farb MfdrrW"Vx UWOAM INSTRUMENT VATH MFRS1.23105.18 V, am 10N Nei W*q K,—FlwcLl s-, 6,Itl.b: V 1,D�.00 R I Borrower shall not cause or permit the presence,use,disposal,storagge,or release of any Hazardous Substances,or threaten to release any Hazardous Substances,on or in the Property.Borrower shall not do, nor allow anyone else to do,anything affecting the Property(a)that is In violation of any Environmental Law,(b)which creates an Environmental Condition,or(c)which,due to the presence,use,or release of a Hazardous Substance,creates a condition that adversely affects the value of the Property.The preceding two sentences shall not apply to the presence, use, or storage on the Properly of small quantities of Hazardous Substances that are generally rerngnized to be appropriate to normal residential uses and to maintenance of the Property(including,but not limited(o,hazardous substances in consumer products). Borrower shall promptly give Lender written notice of(a)any inves(igatlon,claim,demand,lawsuit or other action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, Qi) any Environmental Condition,including but not limited to,any spilling,leaking,discharge,release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property.If Borrower learns,or is notified Of any governmental or regulatory authority, or any private p ,that any removal or other remediation of any Hazardous Substance affect ng the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 22.Acceleration;Remedies.Linda shall give notice to Borrowerrior to acceleration following Borrower's breach of any covenant or agreement In this Security Instrument (but not prior to I acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify i Borrower of,among other things:(a)the default(b)the action required to cure the default;(c)when the default must be cured; and (rid) that failure to cure the default as specified may result in a celeration of the sums secured by this Security Instrument,foreclosure by Judicial proceeding and sale of the Property.Lender&hall further inform Borrower of the right to reinstate after acceleration and the ri�t to assert in the foreclosure proceeding the non-existence of a default or any other defense of orrower to acceleration and foreclosure.If the default is not cured as specified,Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by Judicial proceeding.Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23.Release.Upon payment of a6 sums secured by this Security Instrument,this Security Instrument and the estate conveyed shall terminate and become void.After such occurrence.Lender shall discharge and satisfy this Security Instrument. Borrower shall pay an recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument.but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24.Waivers.Borrower,to the extent permitted by Applicable law,waives and releases any error or defects in proceedings to enforce this Security Instrument,and hereby waives the benefit of any present or I future laws providing for stay of execution,extension of time,exemption from attachment,levy and sale, and homestead exemption. 25.Reinstatement Period.Borrower's time to reinstate provided in Section 19 shall extend to one hour i prior to the commencement of biddtng at a sheriffs sale or othersale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27.Interest Rate After Judgment.Borrower agrees that the interest rate payable after a judgment Is entered on the Note or In an action of mortgage foreclosure shall be the rate payable from tune to time under the Note. ZWLVAN- Fw1y.Fu,Ne MtdFnddl4 Mmc UMFORM INSTRUMENT WtrH MEA$ L Qer 3.2,11 S.la V4 W.M Wawa Fb.,AW S-A— W.W. F g�W2S at.007 BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rlder executed by Borrower and recorded with It. Witnesses: (Seal) PrE AINSC UGH �ormw`r l only} • VW jytV W W•Strgl�gmlly.FUW�Id�drname A4e UNIfORM INSrRUMEM WITH MERS -iam.7a3a V01 W — S.R,—.w W— MPaA(i4f0'a8o�'.aa i� CONDOMINIUM RIDER THIS CONDOMINIUM RIDER Is made this I day of August,2008 and is incorporated Into and shall be deemed to amend and supplement the Mortgage. Deed of Trust, or Security Deed (the "'Security Instrument") of the same date given by the undersigned(the"Borrower")to secure Borrower's Note to CitiMortgage,Inc. (the "Lender") of the same date and covering the Property described in the Security Instrument and located at: 810 CHARLOTTE WAY,304,ENOLA,PA 17025-1560 [Property Address] The Property includes a unit in,together with an undivided Interest in the common elements of,a condominium project known as: Westwood Village [Name of Condominium Project) (the "Condominium Project"). If the owners association or other entity which acts for the Condominium Project(the "Owners Association")holds title to property for the benefit or use of its members or shareholders, the Property also includes Borrower's Interest in the Owners Association and the uses,proceeds and benefits of Borrower's Interest. CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security Instrument,Borrower and Lender further covenant and agree as follows: A. Condominium Obligations. Borrower shall perform all of Borrower's obligations under the Condominium Project's Constituent Documents.The"Constituent Documents"are the:(i) Declaration or any other document which creates the Condominium Project: (11) by-laws; (iii) code of regulations;and (iv) other equivalent documents. Borrower shall promptly pay,when due,all dues and assessments Imposed pursuant to the Constituent Documents. iB. Property Insurance. So long as the Owners Association maintains, with a generally accepted Insurance carrier, a"master"or"blanket"policy on the Condominium Project which is satisfactory to Lender and which provides Insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, from which Lender requires insurance, then: (1) Lender waives the provision in MULTISTATE CONDOMINIUM R1DEt - Single Family • Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3140 1/01 Wolters Kluwer Financial Services VMP®-8R(0411).01 Page 1 of 3 Initials I I ' I Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property;and(il)Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires.as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property Insurance coverage provided by the master or blanket policy. In the event of a distribution of property Insurance proceeds in lieu of restoration or repair following a loss to the Property, whether to the unit or to common elements, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender for application to the sums secured by the Security instrument,whether or not then due,with the excess, if any,paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to Insure that the Owners Association maintains a public liability insurance policy acceptable in form,amount,and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential,payable to Borrower in connection with any condemnation or other taking of all I or any part of the Property, whether of the unit or of the common elements. or for any conveyance In lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided In Section 11. E Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to:(i)the abandonment or termination of the Condominium Project, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (iq any amendment to any provision of the Constituent Documents if the provision Is for the express benefit of Lender; (ill) termination of professional management and assumption of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the public ' liability Insurance coverage maintained by the Owners Association unacceptable to Lender. i F. Remedies. if Borrower does not pay condominium dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument.Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable,with Interest, upon notice from Lender to Borrower requesting payment. Initials: AA— VIVIP 6-8R(0411).01 Page 2 of 3 Fort 3140 1/01 CIIIMor"c 3.2.15.18 W BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In this Condominium Rider. i (Seal) 16MFER A AINSCOI'GH "ter VMP®78R(0411).01 Page 3 of 3 Form 3140 1/01 CHIMortgage 32.15.18 V4 I ' COMMONWEALTH OF PENNSYLVANIA, &t*"be1•JtLN0C County u: On this,the r day of oto 08 before me,the undersigned officer,personally appeared a �—� — A A Jas c known to me(or satisfactorily proven) to be the person(s) whose name(s)Is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF,I,hereunto set my hand and official sea]. My Commission Expires: COMMONWEALTH OF PENNSYLVANIA t9ofsA9 89111 mommo91 NbaA. "�t9�11t►N�it�,�tt9 6 * � 1(✓ Pa1>nfylr91Y9 M9001015043 or 140111110% Tifle of 0mcer Certificate of Residcoce [, /,,;,—< do hereby certify that the correct address of the within-named Mortgagee is P.O.Box 2026,Flint,MI 48501-2026. Witness my hand this 1 S i day of Agent of Mortgagee GIIMPt9�ge 32. VI . NVLVAMI•Shy Fam11r•Fw.iNWFnAEY Mp UNIFONM NSNUMFNr WTH MFRS 3039 1N1WA�1WWdmKam Fk-.Wi Swka Nlih: ; d 7 • . i • ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY y� 1 COURTHOUSE SQUARE - CARLISLE, PA 17013 _ Y 717-240-6370 a Instrument Number-200839647 Recorded On 12/15/2008 At 11:39:59 AM *Total Pages-22 *Instrument Type-MORTGAGE Invoice Number-33862 User ID-RAK *Mortgagor-AINSCOUGH,JENNIFER A *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer-TITLESERV INC *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING FEES — $45.50 RECORDER OF DEEDS now This page IS art PARCEL CERTIFICATION $10.00 P g P FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $82.50 I Certify this to be recorded in Cumberland County PA Cby " 4 RECORDER O D DS •-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. I I -7 i P t This Mortgage Electronic Registration Systems,Inc.as nominee for CitiMortgage,Inc.its successors and asci ) By: W S dr West Vic resident Delivered in the Presence of u r A est: Jill r STAT//E OF/MISSOURI, ST.C ARLES COUNTY On i -11-1.3 before me,the undersigned, a notary public in and for said state,personally appeared Sandra West,Vice President of Mortgage Electronic Registration Systems,Inc.as nominee for CitiMortgage,Inc. its successors and assigns personally known to me or proved to me on the basis of satisfactory evidence to be the individuat whose name is subscribed to the within instrument and acknowledged to me that he/she executed the same in his/her capacity,and that by his/her signature on the instrument,the individual,or the person upon behalf of which the individual acted,executed the instrument. SYBIL SHORT Notary Public-NftySeal State of Mlssssaim Commissioned for St.Louts Courtly My Commission Expires:March 19,2D14 Notary Public Sybil Short Commission Number 123f0070 Commission Expires:03/19/2016 The precise address within named Assignee is: 1000 Technology Drive,O'Fallon,MO,63368 By: i ASSIGNMENT OF MORTGAGE BETWEEN: Current Beneficiary:Mortgage Electronic Registration Systems,Inc.as nominee for CitiMortgage,Inc.its successors and assigns AND CitiMortgage,Inc. MAIL TO: Current Beneficiary:Mortgage Electronic Registration Systems,Inc.as nominee for CitiMortgage,Inc.its successors and assigns 1901 E Voorhees St,Danville,IL 61834,P.O.Box 2026,Flint,MI,48501.2026 a - "Exhibit A" Ail*tat certain Condominlurn situate in the Township of East Pennsboro,County of Cumberland and State of Pennsylvania, being known and designated as follows: Unit No. 810, Suite 304, L17 GA in Block No. 2, Building 3, known as 810 Charlotte Way,Suite 304, Enola, PA,Westwood Village Condominium which has heretofore been submitted to the provisions of the Unit Prop"Acct of PenMWanta Ad of luty 3,196S,P.t_. 196 by Site recording in the Cumberland County Recorder of Deeds office of a Declaration Creating and establishing Westwood Village Condominium dated and recorded January 29, 1975 in Misc. Book 213 page 263 as last amended In Mist. Book 223 page 343 and a Code of Regulations of Westwood village Condominlum dated and recorded January 29, 1975 In Misc.Book 213 page 328,as East amended in Mist. Book 222 page 737 and Dedaration Pian of Westwood Village Condorninium dated and recorded 3anuary 29, 1975 In Plan Book 26 page 15 as last amended in Plan Book 28 page 72. Together with a proportionate undivided interest in the Common Elements(a deflned In such DedaraUon)of.930%. Together with all right,tide and Interest In and to the Common Elements as more fully set forth in the aforesaid Declaration of the Condominium and Declaration plans, as amended from time to time. For Inform adoral Purposes only: 910 CHARLOTTE WAY,ENOLA,PA 17025 Reference : Record Owne s): JENNIFER A.AINSMUGH COUNTY: 0.1MBERLAND ' PARCEL: 09-12- $LOCI: LOT: 2992- 001A- U3304-2 i ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY i - I COURTHOUSE SQUARE - CARLISLE, PA 17013 ~ ^ 717-240-6370 Instrument Number-201319728 Recorded On 6/17/2013 At 11:49:17 AM *TotaI Pages-5 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-139451 User ID-KW *Mortgagor-AINSCOUGH,JENNIFER A *Mortgagee-'CITIMORTGAGE INC *Customer-CT LEIN SOLUTIONS *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES - $11.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $15.00 FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $55.50 I Certify this to be recorded in Cumberland County PA RECORDER OIDEDS roc "-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 4 NOTE August 1,2008 Woodbury New York [Date] ICiryl [State] 810 CHARLOTTE WAY,304,ENOLA,PA 17025-1560 (Property Address) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received,I promise to pay U.S.$66,000.00 (ibis amount is called"Principal"), plus interest,to the order of the Lender.The Lender is CitiMortgage,Inc. I will make all payments under this Note in the form of cash,check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the"Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid.I will pay interest at a yearly rate of 6.500 %. The interest rate required by this Section 2 is the rate I will pay hnth before and after any default described In Section 6(B) of this Note. 3. PAYMENTS (A)Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on October 1,2008 I will make these payments every month until I have paid all of the principal and Interest and any other charges described below that I may owe under this Note.Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal.If,on September 1,2039 I still owe amounts under this Note,1 will pay those amounts in full on that date,which Is called the"Maturity Date." I will make my monthly payments at 1000 Technology Drive,0'Fallon,MO 63369-2240 or at a different place If required by the Note Holder. (B)Amount of Monthly Payments My monthly payment will be in the amount of U.S.$417.16 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due.A payment of Principal only is known as a "Prepayment."When I make a Prepayment,I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge.The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note.If I make a partial Prepayment,there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. CRIMortgage 3.2.15.18 V4 MULTISTATE FIXED RATE NOTE•Srn51"Fanny•F—W M"dh"dde Mx UNIFORM INSTRUMENT F..3200 1101 VMP® VMPSN(0803).OD Wat—IUu FlmiMd Sa — InIIINs: Page 1 of 3 S. LOAN CHARGES If a taw,which applies to this loan and which sets maximum loan charges,is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b)any sums already collected from me which exceeded permitted limits will be refunded to me.The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me.if a refund reduces Principal,the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A)Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due,I will pay a late charge to the Note Holder.The amount of the charge will be 5.000 %of my overdue payment of principal and interest.I will pay this late charge promptly but only once on each late payment. (B)Default If I do not pay the fall amount of each monthly payment on the date it is due,I will be in default.. (C)Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Halder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount.That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D)No Waiver By Note Holder Even If, at a time when I am In default, the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have the right to do so if I am in default at a later time. (E)Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.Those expenses include,for example,reasonable attorneys'fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A)above or at a different address if I am given a notice of that different address. S. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises made in this Note,including the promise to pay the full amount owed.Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations,including the obligations of a guarantor,surety or endorser of this Note,is also obligated to keep all of the promises made in this Note.The Note Holder may enforce its rights under this Note against each person individually or against all of us together.This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. ClIlMongage 3,2.15.18 V4 MULTISTATE FIXED RATE NOTE-Single Family-F—II,Mee h d.11e Mn UNIFORM INSTRUMENT Fant I=1-1 VMP a VNPSN(0803).00 Wolter 10u Fhratsld Sottas fnl0ah: Page 2 of 3 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note,a Mortgage,Deed of Trust,or Security Deed(the"Security Instrument"),dated the same date as this Note,protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note.That Security Instrument describes how and under what conditions I may be required to make Immediate payment In full of all amounts I owe under this Note.Some of those conditions are described as follows: If all or any part of the Properly or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial Interest in Borrnwer is sold or transferred)without L'ender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument.If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED. (Seal) NNIF A.4IIdSC GH -Borrower (Sign Original Only) r JGr Jt ' CAy MUtTLSTATE FIXED RATE NOTE•5 CIIIM gage 3.2.15.18 V4 tgta FandFj•Famie MadFrtaAe Mac UNIFORM INSTRUMENT ium 7200 1/01 VMP VMPSN(0807100 Woken XWwer F—dal SerA= INU t Page 3 M 3 Tf I DII B-i SkITI � a CitiMortgage,Inc. PRESORT PO Box 9090 First-Class Mail Temecula,CA 92589-9090 U.S.Postage and Fees Paid wso Send Payment to: CitiMortgage,Inc. PO Box 689196 Des Moines,IA 50368-9196 20140411-168 JENNIFER A AINSCOLIGH Send Correspondence to: 810 CHARLOTTE WAY 304 64rtg Inc. 600 Colinas Las Colinas Blvd. ENOLA, PA 17025-1519 Irving,TX 75039 EN i CITIPAACT91 fA Date: 04/11/2014 JENNIFER A AINSCOUGH 810 CHARLOTTE WAY 304 ENOLA, PA 17025-1519 RE: Property Address: 810 CHARLOTTE WAY 304 ENOLA. PA 17025-1560 CitiMortgage Loan#: 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 paces. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM aMMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agenc. 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 Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons with impaired hearing can call 717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTTFICACION EN ADJUNTO ES DE SOMA TMPORTANCIA, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N OBTENGA UNA TRADUCCI6N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA . e CI TIPAACT91 Page I of 2283390008 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAAZO 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): JENNIFER A AMSCOUGH PROPERTY ADDRESS: 810 CHARLOTTE WAY 304 ENOLA,PA 17025-1560 LOAN ACCT.NO.: ORIGINAL LENDER: CITIMORTGAGE,INC. CURRENT LENDER/SERVICER: CitiMortgage,Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCLkL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTAiNCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30)days from the date of this Notice(plus three(3)days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT."EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES — If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names,addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender CITIPAACT91 Pare 2of6 2283390008 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 HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHF,4 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"TENPORAR Y S.TA Y OF FORECLOSURE' YOU .HAVE THE RIGHT TO FILE A HEhIAP APPLICATION EVEN BEYOND THESE TINIE PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION LS EVF,NTUALLYAPPROVED 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, :VOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING.PART OF THIS NOTICE IS FOR INFOR�NIATION:PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT(Brink it un to date) NATURE OF THE DEFAULT—The MORTGAGE debt held.by the above lender on your property located at: 810 CHARLOTTE WAY 304 ENOLA,.PA 17025-1560 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 02/01/14 through 04/01/14 3 @$509.67/month .2 @$20.85/late charge/month $1,570.71 Other charges(explain/itemize)- TOTAL AMOUNT PAST DUE: $1,591.56 HOW TO CURE THE DEFAULT-- You may cure the default within THIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,591.56, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: CitiMortgage,Inc, P.O. BOX 183040 Columbus,OH 43218-3040 KIN IF YOU DO NOT CURE THE DEFAULT—If you do not cure the default within THIRTY(30)DAYS of the date of CITIPAACT91 Page 3 of 228339=8 this Notice, the lender intends to exercise its ri hts 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 IF THE MORTGAGE IS FORECLOSEDforeclose upon your mort�a Pd proper ty, UPON—The wortg g a� property will be sold by the Sheriff to payoff the mortgage debt. If the lender reyour case to its attorneys, but you cure the delinquency before the lender begins fers egol proceedings against you, you will still if be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, legal proceedings are started against you, you will have to pay a17. reasonable attorney's fees actually incurred by the lender even if they amount you owe the lender, which may also include other reasonable ab eed 0costs. If Any attorney 's tes will be added to the he def ult within THIRTY 30 DAY eriod �ou will not he re aired to a •attorne "S fees. the—� OTHER LENDER REM1IEDIES — The lender may also sue you personally for her sums due under the mortgage. the unpaid principal balance and all ot 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, ou still have the right to cure the default and have— prevent the sale at an time u to one hour before the Sheriffs Sale, You.may do so by va)jng ast due Ius h lata or other charges then due reasonable atrornc 's fees and costs connected with the foreclosure the total amount then sale and an other costs connected with the Sheriff's Sale as s eeified in writin b the ender and b erformicl an other renuirements under the wort 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. Y EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged properly could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to care the default will increase the longer you wait. You may find out at anytime exactly what the required payment or action will be b contacting the lender. Y HOW TO CONTACT THE LENDER: Name of Lender: CitiMortgage, Inc. Address: Homeownership Support Team 1000 Technology Drive,Mail Station 420 O'Fallon, MO 63368 Phone Number: 1-855-843-2549 ext 0340203 Monday through Thursday 7:00 a.m.-8:00 p.m, CT, Friday 7:00 a.m.-5:30 p.m. CT,Saturday 7:00 a.m.-4:00 p.m. CT Fax Number: 1-866-940-8I25 Contact Person: Aiysha Hearvey E-Mail Address: aiysha-d-hearvey@vciti,com EFFECT OF,SHERIFF'S SALE --You should realize that a Sheriffs Sale will end Property and our right to occupy it. If you continue to live in the property after the Sheriffs ur Ownership er hi Of the t toorernove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may not sell or transfer assume the mortgage debt, provided that all the outstandingcharges home to a buyer or transferee who will prior to or at the sale and that the other requirements of the mortg a are satisfied.and attorney's fees and costs are paid CITIP.AACT91 Pale 4 of 6 22833900[16 YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD.PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF N OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVE TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDARO DEFAULT DIAD R, YOU DO NOT.HAVE THIS RIGHT • TO ASSERT THE NONEXISTENCE OF A DEFAULT 1N ANY FORECLOSURE YEAR.) OR ANY OTHER LAWSUIT INSTITUTED UNDER IT-113 MORTGAGE DOCUME PROCEEDING • TO ASSERT ANY OTHER DEFENSE YOU.BELIEVE YpU MAY HAVE TO SUCH S NT THE LENDER ACTION BY • TO SEEK PROTECTION UNDER.THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE L THE ATTACHED LIST OCATED ON This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPA ICT91 Page 5 of 6 2283390008 HEMAP Consumer Credit CQunselin A encies CUMBERLAND County Aepurt last Updated..10/16/2013.10.43 AM Advantage Credit.Counseling$ervice/CCCS of Western PA 2000 Linglestown Road Community.Action Commission of C Harrisburg,.PA.17102 1514 De Capital R 888-511-2227 try.Street mon Harrisburg,PA.17104 717-232-9757 Housing Alliance of York/Y.Housing Resources 290 West Market Street Maranatha York,P.A 17401 43 Philadelphia Avenue 717-855-2752 Waynesboro,PA 17268 PathStone Corporation 717-762-3285 1625 North Front St PathStone.Corpo Harrisburg,.PA.17102 450 Cleveland A• tion 717-234-6616 Chambersburg, 717-264-5913PA.17201 PA.interfaith Communityp 40 E High Street Programs Inc PHFA . Gettysburg.PA.17325 21.1 North Front Street 717-334-1518 Harrisburg,PA.17110 717-780-3940, 800-343-2397 Page 6 of 6 HC 2283340008 CitiMortgage,Inc. PO Box 9090 PRESORT Temecula,CA 92589-9090 First-Class Mail U.S.Postage and Fees Paid Send Payment to: W SO CitiMortgage,Inc. PO Box 689196 Des Moines,IA 60368-9196 20140411-168 ,1ii11Jill 1l send Correspondence to: JENNIFER A AINSCOUGH CitiMortgage,Inc. 810 CHARLOTTE WAY 304 6400 Las Colinas Blvd. ENOLA, PA 17025-1519 Irving,TX 75039 .t CITIPAACT91 Date: 04/11/2014 Sent Via Certified Mail JENNIFER A AINSCOUGH 9307 1100 1170 0734 8232 76 810 CHARLOTTE WAY 304 ENOLA, PA 17025-1519 RE: Property Address: 810 CHARLOTTE WAY 304 ENOLA, PA 17025-15610 CitiMortgage Loan#: ACT 91 NOTICE TAX1A%"]r'_3'dACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e on your home is in default and the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached na eg_s The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the pram 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 Iqu when you meet with the Counseling A enc . The name address and phone number of Consumer Credit Counseling Agencies servin YOU CgMty are listed at the end of this Notice. if ou haygjany,guestions, you may call the Pennsylvania Housing Finance Agency toll-free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the.Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTMCAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFI.CAC16N OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Pale l of 6 9307 1100 1170 0734 8232 76 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAi410 POR EL PROGRANI.A LLA 1ADO "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): JENNIFER A AINSCOUGH PROPERTY ADDRESS: 810 CHARLOTTE WAY 304 ENOLA,PA 17025-1560 LOAN ACCT.NO.: ORIGINAL LENDER: CIT.IMORTGAGE,INC. CURRENT LENDER/SERVICER: CitiMortgage,Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE — Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30)days from the this Notice(plus three(3)days for mailing). e date of During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (331 DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT."EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES — If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you.for thirty(30) days after the date of this meeting. The names addresses and tele hone numbers of desi ated consumer credit counsefin agencies for the ca in which the ro is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE—Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender CITIPA.9CT91 Page 2 of 6 9307 1100 1170 0734 8232 76 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 HA VE 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, EXPLAINED ABOVE,IN THE SECTION CALLED"TEIVPORAR Y S.TA Y OF FORECLOSURE' AS YOU HAVE THE RIGHT TO FILE I HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION NgLL .NOT PREVENT THE LEADER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVF.NTUALLYAPPROVED 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 TEE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Brin it u to date). NATURE OF THE DEFAULT—The MORTGAGE debt held,by the above lender on your property located at: 810 CHARLOTTE WAY 304 ENOLA,PA 17025-1560 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 02/01/14 through 04/01/14 3 @$509.67/month 2 @$20.85/late charge/month $1,570.71 Other charges(explain/itemize): TOTAL AMOUNT PAST DUE: $1,591.56 HOW TO CURE THE DEFAULT-- You may cure the default within TIIIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,591.56, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to; CitiMortgage,Inc. P.O.BOX 183040 Columbus,OH 43218-3040 ' IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY(30)DAYS of the date of CITIPAACT91 Page 3 of 6 9307 1100 1170 0734 6232 76 T. 1. this Notice, the lender intends to exercise its rig outstanding balance of this lits to accelerate the mort a e debt. This means that the entire debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon vour morteaeed property. IF THE MORTGAGE IS FORECLOSED UPON—The mortgaged property will be sold by the Sheriff to payoff 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 vain will not ha rn �d2 n 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 revent the sale at an time u to one hour before the Sheriffs Sale. You may do sob a 'n the total amount then past due lus an late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and an other costs connected with the Sheriff's Sale as s ecified in writingb the lender and b erformin an other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE—It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactlywhat the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: CitiMortgage, Inc. Address: Homeownership Support Team 1000 Technology Drive,Mail Station 420 O'Fallon, MO 63368 Phone Number: 1-855-843-2549 ext 0340203 Monday through Thursday 7:00 a.m.-8:00 p.m. CT, Friday 7:00 a.m.-5:30 p.m. CT,Saturday 7:00 a.m.-4:00 p.m. CT Fax Number: 1-866-940-8I25 Contact Person: Aiysha Ilearvey E-Mail Address: aiysha_d.hearveyCciti.com EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to r you and your furnishings and other belongings could be started by the lender at any time. emove ASSUMPTION OF MORTGAGE — You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. CiTIPAACT9I Page 4 of 6 4307 1100 1170 0734 6232 76 YOU MAY ALSO RAVE 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 TETE SAME POSITION AS IF NO DEFAULT I-L D 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 RAVE TO SUCH ACTION BY THE LENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELLVG AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Page 5 of 6 9307 1100 1170 0734 6232 7b HEMAP Consumer Credit Counsetin A envies CUMBERLAND.County RepoA last updatcd:.10/16=3.10:41 MM, 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.17I04 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 PSA 40 E High Street 21.I.North Front Street Gettysburg,PA.17325 Harrisburg,PA 17110 717-334-1518 71.7-780-3940.. 800-342-2397 Page 6 of 6 HC 9307 1100 1170 0734 8232 76 i 44 k- VERIFICATION hereby states that he/she is employed as Vice President — Document Control of CitiMortgage, Inc., the 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 my information and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. By Na Title: Vice President—Document Control, employed by CitiMortgage, Inc. Date: FILE#: 14-1166 NAME: AINSCOUGH, JENNIFER A. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson FILED -OFFICE Sheriff OF THE PROTHONOTARY Jody S Smith Chief Deputy Richard W Stewart Solicitor 01 'CII.VI�Lp?rr 2014 OCT 13 AM 10: 08 OFF:OF THEE$.4ERIFF CUMBERLAND COUNTY PENNSYLVANIA Citimortgage Inc vs. Case Number Jennifer A Ainscough 2014-5229 SHERIFF'S RETURN OF SERVICE 10/06/2014 04:17 PM - Deputy Jamie DiMartile, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Jennifer A Ainscough at 810 Charlotte Way, Suite 304, East Pennsboro, Enola, PA 17025. DIMARTILE, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, October 07, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teleosoft, Inc. POWERS, KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE Id. No. 63252 JOLANTA PEKALSKA, ESQUIRE Id No. 307968 HARRY B. REESE, ESQUIRE Id No 310501 DANIEL C. FANASELLE, ESQUIRE Id No. 312292 MATTHEW J. MCDONNELL, ESQUIRE Id No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 215-942-2090 CITIMORTGAGE, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 vs. JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 O +.aWf:. E 6raa xa . 1. hereby certify this to be a true and correct copy of this docyument which was sent for filing to court on By GA "A 4646,0A Fl Q 9 Pvlorkindo1/4 (f)pc-1- Powers, Kim & Associates, LLC COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-5229 CIVIL PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against JENNIFER A. AINSCOUGH , Defendant(s) for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As Set forth in Complaint $64 0 4 7. 9 9 Interest 09/13/2014 to 11/14/2014 689.43 TOTAL $64737.42 I hereby certify that (1) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. rn & Associate , LLC Manuel -Coughlin, Esquire Id. No. 63252 lanta Pekalska, Esquire, Id. No. 307968 arry B. Reese, Esquire, Id. No. 310501 ❑Daniel C. Fanaselle, Esquire, Id. No. 312292 ❑Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff Damages are hereby assessed as indicated. DATE: a. 17 l , r , 4r t• ; PROTHONOTARY antis .tsil,. Sopd a 35-7/6 r31 Lice r 14-1166 POWERS KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE ID. NO. 63252 JOLANTA PEKALSKA, ESQUIRE ID. NO. 307968 HARRY B. REESE, ESQUIRE ID. NO. 310501 DANIEL C. FANASELLE, ESQUIRE ID. NO, 312292 MATTHEW J. MCDONNELL, ESQUIRE ID, NO. 313549 EIGHT NESHAMJNY INTERPLEX, SUITE 215 TREVOSE, PA 19053 TELEPHONE: 215-942-2090 ATTORNEYS FOR PLAINTIFF CITIMORTGAGE, PLAINTIFF VS. JENNIFER A. AINSCOUGH DEFENDANT JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ,ENOLA, PA 17025 DATE OF NOTICE: OCTOBER 3 , 2014 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY; NO. 14-5229 CIVIL NOTICE, RULE 237.1 IMPORTANT NOTICE You are in default because you have failed to take action 'required by you in this case. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. MidPenn Legal Services 8 Irvine Row Carlisle, PA 17013 - Phone: 717-243-9400 Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA' 17013 - Phone: 717-249-3166 Powers, Kini & Associates, LLC • Manuel -Coughlin, Esquire Id. No. 63252 O Jolahta Pekalska, Esquire Id. No. 307968 O Hairy I37,14ese, esquire Id. No. 310501 O,Daniel C Fans'elle, Esquire Id. No. 312292 Matthew J. McDonnell, 'Esquire Id. No. 313549 Usted se encuentra en estado de rebeldia por no haber tornado la iCcion•requiida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dVdeFseg'netificacion, el tribunal podra, sin necesidad de compararecer usted en corte o escuchar p clictai; sentencia en su contra, usted puede perder bienes y otros derechos importantes. -Debe Ilevar esta notificacion a un abogado immediatemente si usted no tiene abogado, o si no tiene dinero suficiente para tal servicio, vaya en persona o flame por telpfono a la oficina, cuya direccion se encuentra escrita abajb para averiguar donde se puede conseguir assistencia legal. "NOTICE PURSUANT TO FAIR DEBT COLLECTIONTRACTICES ACT THIS IS AN ATTEMPT TO COLLECT A. DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT .PURPOWitimtiem POWERS, KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE Id. No. 63252 JOLANTA PEKALSKA, ESQUIRE Id No. 307968 HARRY B. REESE, ESQUIRE Id No 310501 DANIEL C. FANASELLE, ESQUIRE Id No. 312292 MATTHEW J. MCDONNELL, ESQUIRE Id No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 215-942-2090 CITIMORTGAGE, INC. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JENNIFER A. AINSCOUGH No.: 14-5229 CIVIL VERIFICATION OF NON-MILITARY SERVICE The undersigned, Esquire, hereby verifies that he/she is attorney for the Plaintiff in the above -captioned matter, and that on information and belief, he/she has knowledge of the following facts, to wit: (a) Defendant(s), JENNIFER A. AINSCOUGH , is/are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act, 50 U.S.C.S. Appx. §§ 501 et. seq. (b) Defendant, JENNIFER A. AINSCOUGH, is over 18 years of age, and resides at 810 CHARLOTTE WAY, SUITE 304, ENOLA, PA 17025. © Plaintiff, CITIMORTGAGE, INC. , is an institution conducting business under the Laws of the Commonwealth of Pennsylvania with an address of 1000 TECHNOLOGY DRIVE, O'FALLON, MO 63368. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Powers, <.i ; Associa es, LLC ❑Ji Manue -Coughlin, Esquire I.. No. 63252 ❑J Tanta Pekalska, Esquire, Id. No. 307968 arty B. Reese, Esquire, Id. No. 310501 :Daniel C. Fanaselle, Esquire, Id. No. 312292 ❑Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff Department of Defense Manpower Data Center Status Report Pursuant to Serer cermermbers Civil Relief Act Last Name: AINSCOUGH First Name: JENNIFER Middle Name: A Active Duty Status As Of: Dec -16-2014 Results as of : Dec -16-2014 09:17:32 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA 0 - - -- No - . NA This response reflects the individuals' active duty status based on. the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Dale Active Duly Start Date Active Duty End Date ( Status Service Component NA.„ _ _ - \ I -- - - No -s'' l _ 1 NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA 4 NA `''. ' - No' NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: WOE4GAEEU17C760 Department of Defense Manpower Data Center Status Report Pursuant to Servicemen -1b Civil Relief Act Last Name: AINSCOUGH First Name: JENNIFER Middle Name: Active Duty Status As Of: Dec -16-2014 Results as of : Dec -16-2014 09:17:15 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA . s - - - - - - No` , NA This response This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty Erd Date Status Service Component NA NA - No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date { The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA 4-. No NA This response reflects whether the individual or his/her unit has received early notWcation to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based 'on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: LOY4LA5E217CT30 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS TO: JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 CITIMORTGAGE, INC. vs. COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY No.: 14-5229 CIVIL JENNIFER A. AINSCOUGH Defendant(s) NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. X Judgment by Default _ Money Judgment Judgment in Replevin Judgment for Possession by Default _ Judgment on Award of Arbitration _ Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY: Powers, Kirn & Associates, LLC at this telephone number: (215) 942-2090. /th/ly COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CITIMORTGAGE, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 vs. JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-5229 CIVIL PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly issue Writ of Execution in the above matter. Amount Due Interest from 11/15/2014 to Date of Sale @ $10.0 er diem Subtotal (Costs to be added) apt,\4g?,stipol -c� qs Car - III 9. $64737.42 $1159.76 $65897.18 owls, Kirn & As crates, LLC ❑Ji Manuel -Coughlin, E quire Id. No. 63252 ❑J91anta Pekalska, Esquire, Id. No. 307968 any B. Reese, Esquire, Id. No. 310501 ❑Daniel C. Fanaselle, Esquire, Id. No. 312292 I] Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 (215) 942-2090 00(,/,(& z,„a, CITIMORTGAGE, INC. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JENNIFER A. AINSCOUGH No.: 14-5229 CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Exeztuti was filed the following information concerning the real property located at 810 CHARLOTTE WAY, SUITE 304, ENOLA, PA 17025: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 2. Name and address of Defendant(s) in the judgment: JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. CitiMortgage Inc. 1000 Technology Drive O'Fallon MO 63368 PSECU P.O BOX 87013 HARRISBURG, PA 17106 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations Cumberland County Tax Claim Bureau PA Department of Public Welfare Bureau of Child Support Enforcement 13 North Hanover Street P.O. Box 320 Carlisle, PA 17013 1 Courthouse Square Old Courthouse, Room 106 Carlisle, PA 17013 Health and Welfare Building — Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 Westwood Village Condominium Association 650 Westwood Drive Enola, PA 17025 November leC 2014 Pow , ktir'n & ssociates, LC ❑Ji111�Ianuel-Coughlin, Esq, ire Id. No. 63252 ❑J nta Pekalska, Esquire, Id. No. 307968 arry B. Reese, Esquire, Id. No. 310501 [Daniel C. Fanaselle, Esquire, Id. No. 312292 [Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff POWERS, KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE Id. No. 63252 JOLANTA PEKALSKA, ESQUIRE Id No. 307968 HARRY B. REESE, ESQUIRE Id No 310501 DANIEL C. FANASELLE, ESQUIRE Id No. 312292 MATTHEW J. MCDONNELL, ESQUIRE Id No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 215-942-2090 CITIMORTGAGE, INC. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JENNIFER A. AINSCOUGH No.: 14-5229 CIVIL NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JENNIFER A. AINSCOUGH 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 Your house (real estate) at 810 CHARLOTTE WAY, SUITE 304, ENOLA, PA 17025, is scheduled to be sold at Sheriffs Sale on JUNE 03, 2015 at 10:00 A.M., in the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013, to enforce the court judgment of $64737.42, obtained by CITIMORTGAGE, INC., against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 942-2090. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 942-2090. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Powers, Kim & Associates, LLC at (215) 942-2090. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 All.thatcertain Condominium situate in the Township of East Pennsboro, County of Cumberland -end State of Pennsylvania, being known and.desIghated.as follows: (Jni(No, 810, Suite 304, f.:17 CA In Black Na, 2, Buiiding. 3, known as 810: Charlotte Way, Suite 304, Enola, Pa., Westwood Village 'Condominium which hos heretofore been . submitted to the:provisions of the Unit Property Act cif (Pennsylvania, Act of July 3,'1963, RL. 195, by tie recording h'the Curnberiand. County Recorder sof Deeds Office, Of e (Declaration'Creating and Estabilshing Westwood Village Condor-nln um, dated end recorded January 29, 1976 in Misc. Book•213 Page 283, as last amended.ln Misc. Eook 223 Page 643, and a Code of Regulations of Westwood Vllage Condominium, dated and recorded January29,1976 In.Misc. Beek 213 Page 328,as last amended In Misc. Book 222 Page 737 and Declaration Plan of Westwood Village Condominium, dated and recorded January 29, 1976 in,Plari Book 26 Page 16 as lest amended in Plan Book 28 Page:72. BEING THE SAME PREMISES which Robert D. Ainscough and Judith A. Ainscough, husband and wife, by Deed dated May 27, 2004 and recorded June 14, 2004 in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book Volume 263, Page 2598, granted and conveyed unto JENNIFER A. AINSCOUGH. BEING KNOWN AS: 810 CHARLOTTE WAY, SUITE 304, ENOLA, PA 17025 PARCEL #09-12-2992-001 A-43304-2 POWERS, KIRN & ASSOCIATES, LLC JILL MANUEL-COUGHLIN, ESQUIRE Id. No. 63252 JOLANTA PEKALSKA, ESQUIRE Id No. 307968 HARRY B. REESE, ESQUIRE Id No 310501 DANIEL C. FANASELLE, ESQUIRE Id No. 312292 MATTHEW J. MCDONNELL, ESQUIRE Id No. 313549 Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 215-942-2090 CITIMORTGAGE, INC. COURT OF COMMON PLEAS vs. CUMBERLAND COUNTY JENNIFER A. AINSCOUGH No.: 14-5229 CIVIL CERTIFICATION TO SHERIFF OF CUMBERLAND COUNTY AS TO THE SALE OF REAL ESTATE I hereby certify that I am the attorney for the Plaintiff in this Mortgage Foreclosure Action and further certify this Property is: FHA Tenant Occupied Vacant Commercial As a result of Complaint in Assumpsit Act 91 complied with Powers Kim & Associates LC ❑Ji ' Manuel -Coughlin, Es q titre Id. No. 63252 ❑ olanta Pekalska, Esquire, Id. No. 307968 Harry B. Reese, Esquire, Id. No. 310501 [Daniel C. Fanaselle, Esquire, Id. No. 312292 [Matthew J. McDonnell, Esquire Id. No. 313549 Attorneys for Plaintiff 14,1'k tel, t, 1 December 16, 2014 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S): JENNIFER A. AINSCOUGH PLAINTIFF/SELLER: CITIMORTGAGE, INC. DEFENDANT(S): JENNIFER A. AINSCOUGH PROPERTY: 810 CHARLOTTE WAY, SUITE 304 ENOLA, PA 17025 CUMBERLAND C.C.P. NO. 14-5229 CIVIL The above captioned property is scheduled to be sold at Sheriffs Sale on JUNE 03, 2015 at 10:00 A.M., in the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013. You may hold a judgment on the property, which may be extinguished by the sale. You may wish to attend the Sheriff's Sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. Powers, Kim & Associates, LLC Eight Neshaminy Interplex Suite 215 Trevose, PA 19053 (215) 942-2090 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net CITIMORTGAGE, INC. Vs. JENNIFER A. AINSCOUGH WRIT OF EXECUTION NO 14-5229 Civil Term CIVIL ACTION — LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $64,737.42 L.L.: $.50 Interest FROM 11/15/2014 TO DATE OF SALE @ $10.64 PER DIEM - $1,159.76 Atty's Comm: Atty Paid: $205.70 Plaintiff Paid: Date: 12/17/14 (Seal) Due Prothy: $2.25 Other Costs: David D. Buell, Prot onotary By: Deputy REQUESTING PARTY: Name: HARRY B. REESE, ESQUIRE Address: POWERS, KIRN & ASSOCIATES, LLC EIGHT NESHAMINY INTERPLEX SUITE 215 TREVOSE, PA 19053 Attorney for: PLAINTIFF Telephone: 215-942-2090 Supreme Court ID No. 310501