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14-5969
1 I Supreme Court ofennsylvania Courtot >f CUYlltlloll iPleas For Prothonotary Use Only. C� 1 Cbver.Sheet Docket No: Cumberland ' . , County z The information collected on this form is used solely for court administration purposes. .Tl:is form does not supplement or replace the filing and sect-ice of pleadings or other papers as required by law or rules of court. Cgnmencement of Action: S 1 Complaint ❑ Writ of Summons 0 Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: The Bank of New York Mellon et al Harry D. Rinehart I Are money damages requested? D Yes EY No Dollar Amount Requested: ❑within arbitration limits 0 (check one) ©outside arbitration limits N Is this a Class Action Suit? D Yes Li No Is this an MDJAppeal? ❑ Yes M No ,. Name of Plaintiff/Appellant'sAtt.orney: Richard J. Nalbandian, Esquire ❑ Check here if you have no attorney(.are a Self-Represented j Pro Sed 'Litigant) Nature of the Case: Place an"X**to the tell of the ONE case category that most accurately describes your PRIMARY CASE. If you are snaking more than one type of claim,check the one that you consider most important. TORI'(do not incinde floss Tort) CONTRACT(do not irac•t¢rde Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection:Other ❑ Board of Elections ❑ Nuisance ❑ Dept,of Transportation ❑ Premises Liability ❑ Statutory Appeal:Other ❑ Product Liability(does not include Dispute: E ❑ Employment Dis -- — ----- muss•torr) P ❑ Slander/Libel/Defamation Discrimination — C ❑ Otho ❑ Employment Dispute:Other ❑ Zoning Board ❑ Other: ............... _._.-...,.,.___ _.._..�.,._ Other: a. _ o MASS'TORT ❑ Asbestos N ❑ Tobacco ❑ Toxic Tori -DES ❑ Toxic`!'ori -Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Other: -'! ❑ Common Law/Statutory Arbitration ❑ )eminent Domain/Condemnation ❑ Declaratory Judgment -- -- --- -- ❑ Ground Rent ❑ Mandamus - -- -- Landtord(fenant Dispute ❑ Non-Domestic Relations Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY © Mortgage Foreclosure:Commercial ❑ (;duo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 11112011 i. iL D-0F F IC THE PROT1101, PARKER McCAY P.A. 201 OCT -6 P", 1 By: Richard J Nalbandian I11, Esquire CU��E3-- k C�J�3,!TY Attorney ID# 312653 9000 Midlantic Drive, Suite 300 P E;tKS Y LYAN'14 A P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CUMBERLAND COUN certificateholders of the CWABS, Inc. NO. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, V. CIVIL ACTION Harry D. Rinehart Joann K. Rinehart MORTGAGE FORECLOSURE 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. � a elL# y 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. Lawyer Referral Service 100 West Airy Street (Rear) Norristown, Pennsylvania 19404-0268 (610) 279- 9660, Extension 201 AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente or por medio de un abogado una comparecencia escrita y redicando en la Corte por escrito sus defensas de,y objeciones a, los demandas presentadas aqui en contra suya. Se le advierte de que A usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero O propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO IMMEDIATAMENTE. SI LISTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME A VAYA A LA SIGUEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. Lawyer Referral Service 100 West Airy Street (Rear) Norristown, Pennsylvania 19404-0268 (610) 279- 9660, Extension 201 PARKER McCAY P.A. By: Richard J Nalbandian III, Esquire Attorney ID#312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The COURT OF COMMON PLEAS Bank of New York, as Trustee for the CUMBERLAND COUNTY certificateholders of the CWABS, Inc. NO. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, V. CIVIL ACTION Harry D. Rinehart Joann K. Rinehart MORTGAGE FORECLOSURE 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 (the "Plaintiff'), whose address is c/o Specialized Loan Servicing LLC., 8742 Lucent Boulevard, Suite 300, Highlands Ranch, CO 80129. 2. Defendants, Harry D. Rinehart and Joann K. Rinehart (hereinafter referred to as "Defendants") are adult individuals and are the real owners of the property hereinafter described. 3. Defendants reside at 178 Labor Camp Rd, Gardner, PA 17324. 4. On March 29, 2007 in consideration of a loan in the principal amount of $176,800.00, Defendants executed and delivered to America's Wholesale Lender a fixed rate note (the "Note") with an interest rate at 8.950% per annum, and monthly payments of$1,356.97 commencing on May 1, 2007 continuing each month until the maturity date of April 1, 2047. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit "A". 5. To secure the obligations under the Note, Defendants executed and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, a mortgage (the "Mortgage") dated March 29, 2007 and recorded on April 17, 2007 in the Recorder of Deeds in and for the County of Cumberland in Book 1988, page 4478. A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit"B". 6. An Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender to The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4, was recorded on February 25, 2011 in the Cumberland County Recorder of Deeds Instrument Number 201106497. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 7. Plaintiff has been confirmed to be the real party in interest and has the right to foreclose the subject property. 8. The Mortgage secures the following real property (the "Mortgaged Premises"): 3 Timber Lane, Mount Holly Springs, PA 17065. A copy of the legal description of the Mortgaged Premises is attached hereto and made a part hereof as Exhibit"D". y 9. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due July 1, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 10. The following amounts are due on the Mortgage and Note: Balance of Principal $ 175,607.81 Accrued but Unpaid Interest from $83,866.42 June 1, 2009 to October 2, 2014 Accumulated Late Charges $4,138.24 Escrow Advance $21,608.50 Property Inspection $79.45 Property Preservation $3,925.00 BPO Fees $150.00 Reasonable Attorney's Fees $ 2,350.00 Suspense Balance $ -14,019.05 TOTAL as of October 2, 2014 $277,706.37 Plus, the following amounts accrued after October 2, 2014: Interest at the current Rate of 8.9500% per annum ($43.0600 per diem); late charges 5% of the overdue payment of principal and interest; any amounts expended for future recoverable advances; corporate advances; taxes and insurance along with additional costs and attorney fees incurred in this foreclosure action. 11. During the course of this action, the plaintiff may be obligated to make advances for the payment of taxes, assessments, insurance premiums and necessary expenses to preserve the security, and such sums advanced under the terms of the Note and Mortgage, together with interest, will be added to the amount due on the mortgage debt and secured by the plaintiff's Mortgage. y 12. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, has been sent to the Defendants, Harry D. Rinehart and Joann K. Rinehart on January 10, 2010, via certified and regular mail, in accordance with the requirements of the Act. A true and correct copy of such notice is attached hereto and made a part hereof as Exhibit «E„ WHEREFORE, Plaintiff demands an in rem judgment against Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 10, namely, $277,706.37 plus the following amounts accruing after October 2, 2014, to the date of judgment: (a) interest of$43.0600 per diem; (b) late charges of 5% on any overdue payment of principal and interest per month; (c)plus interest at the legal rate allowed on judgments after the date of judgment; (d) additional attorney's fees (if any) hereafter incurred; (e) costs of suit; and (f) any amounts expended for future recoverable advances, corporate advances, taxes and insurance. PARKER McCAY P.A. Dated: 0 ` By: R I Richard J Nalbandian IIl, Esquire Attorney for Plaintiff VERIFICATION 1, Daniel Leon ,hereby certify that I a§ejond Ass�tant Vice PresidgW Specialized Loan Senticina LLC and am authorized to make this verification on The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief, based on review of business records during the normal course of business. This verification is made subject to the penalties of 18 Pa. C.S.§ 4904,relating to unsworn falsification to authorities. Name: Daniel Leon Title: Second Assistant Vice President SEP 2 4 2014 PMC File No. 14569-13-12272 Defendant Name: Rinehart Property: 3 Timber Lane, Mount Holly Springs,PA 17065 t EXHIBIT "A" a v� prepamd bf.ANomr;NE BELUTIEFU 166210923 MOTE MARCH 28, 2007 SPATE COTri'+EGE PENNSYLVANIA [Date] ICttyl (Statel 3 TIMBER LN, MOUNT HOLLY SPRINGS, PA 27ods-1033 [property Addrmd] I.BORROW FIVS PROMISE TO PAY In return for a loan that I have received,I promise to pay U.S.$176,800.00 (this amount is called"Principal"), plus interest,to the order of the Lender.The Lender is AMERICA'S WHOLESALE LENUR I will make all payments under this Note in the fora of cash,check or money order. 1 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 0-9-60 %. The interest rate required by this Section 2 is the rate I will pay both before and atter any default described in Section 6(B) of this Note. 3.PAYMENTS (A)Time and Place of Payments 1 will pay Principal and interest by making a payment every month. I will make my monthly payment an the FIRST day of each month beginning on MAY 01, 2007 .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 APRIL 01, 2047 , I still owe amounts under this Note,twill pay those amounts in full on that date,which is called the"Maturity Date I will make my monthly payments at P.O. Box 660694, Dalla;a, TX 75266-0694 or at a different place if required by the Note Holder. (13)Amount of Monthly Payments My monthly payment will be in the amount of U.S.S 1,356.97 4.SORROWER'S RIGHT TO PREPAY I have the right to make payments of Princ[pal at any time before they are due.A prepayment of all of the unpaid principal is known as a"Full Prepayment."A prepayment of only part of the unpaid principal is known as a"Partial Prepayment" 1f the original Principal amount of this loan is 550,000 or las,I may make a Full or Partial Prepayment without paying any penalty.however,if the original Principal amount of this Note exceeds$50,000, LJ I may prepay this Note in fullat any time without penalty. X❑ Ifwithin the flrn rTXTY months after the execution of the Note,I make any prepayments)within any 12-month period,the total of which exceeds 20 percent(200A)of the original principal amount of this loan,I will pay a prepayment penalty in an amount equal to the payment*(six(6)months'advance interest on the amount by which the total of my prepayments)within that 12-month period exceeds 20 percent(201%)of the original principal amount of the loan. S.LOAN CHARGES If a law,which applies to this loan and which sets maximum loan charges,is finally interpreted so that the interest or otter 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 PAX AS REQUIRED (A)Late Charge for Overdue Payments If the Note Holder has not received she full amount of any monthly payment by the end of FIFTEEN 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 5.900 %of my overdue payment of principal and interest.I will pay this late charge promptly but only once on each late payment. Bp-FEMSYLVANIA FIXED rtnnrE NOTE 2De20-PA (1210-5x0) 1f /�page t era ' 23991 • - Aaa210923000002D420 • LOAN #= 166210923 (B)Default Irl do not pay the full amount of each monthly payment on the date itis due,l will be in default (C)Notice of Default If I am in default,the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the full amount of Principal wbich 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. (p)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 wil I still have the right to do to if I am in default at a later time. (E)Payment of Nate 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 we for all of its costs and expenses is 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 stared in Section 3(A)above or at a different address if I am given a notice of that different address. 8.OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises trade 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 duo."Notice of Dishonor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10.APPLICABLE LAW I agree that this agreement is to be governed by federal law and,to the extent not preempted by federal law,by the laws of the state where the real property is located. If a taw,which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits,them(a)any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit;and(b)any sums already collected from me which exceed permitted limits will be refunded to me.The Note holder may choose to make this refund by reducing 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,but in no event will a prepayment charge be assessed if the Note Holder chooses to reduce my Principal balance by applying such excess amounts. 11.SECURED NOTE 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 alt or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security instrument without further notice or demand on Borrower. COOZ A�r • BC-P NNSY4VANfA FIXED RATE NOTE 2D89"A (IM Pa"2ot3 LOAN #: 166210923 WITNESS THE HAND(S)AND SEALS)OF THE UNA)=,RSIGNED. i Y P. RI T Harrower K. RTNEIRART -BoRower .Bormwer -swmwer (Sign Original Only) pArTp� � mw , 11dh MlCy� tea"`` • 84rENNEVLVANIA FIXED RATE NOTE 2DGQ"A (12!05) Papa 3 0 3 EXHIBIT "B" l IIIIIIIIIIIIIIIII�II �.��.��.������:Ae �� �EEi<s. . IIIIIIIIIIIIIIII�IIIIIIilllll COUNTY-' IIIIIIIIIINIIIIIIIIIIIIiIIIIIIII . .... ..�.r.�.j���a � 61.0 .166210923 D2. 00,1 0,0,1 204 SPR 17 fiM 1112 Prepared By: ANGELENE BELLITIERI AMERICA'S WHOLESALE LENDER 2 JERICHO PLAZA, 3RD FLOOR. JERICHO NY 11753 Phone: (516) 733-6000 After Recording_$etwn To: _ Green Horizon Settlement,LLC 341 Science Park Road Suite 205T State College,PA 16803 ; Premises: 3 TIMBER LN MOUNT HOLLY SPRINGS PA 17065-1033 (Space Above This Line For Recording Data) 00016621092303007 [DOC ID #1 MORTGAGE PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Page 1 of 17 (IMk-15A(PA)(0508) CHL(10/05)(d) VMP Mortgage Solutions,Inc.(800)521-7291 Form 3039 1101 2 3 9 9 1 1 6 6 2 1 0 9 2 3 0 0 0 0 0 1 0 0 6 A ` OK 19 8 8 FIG 4.4 7 8, w , .s. S DOC ID #: 00016621092303007 MIN 1000157-0007979083-4 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 16. (A)"Security Instrument"means this document,which is dated MARCH 29, 2007 , together with all Riders to this document. (B)"Borrower"is HARRY D RINEHART, AND JOANN K RINEHART, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C)"NIERS"is Mortgage Electronic Registration Systems,Inc.MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS Is the mortgagee under this Security Instrument.MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O.Box 2026,Flint,MI 48501-2026,tel.(888)679-MERS. (D)"Lender"is AMERICA'S WHOLESALE LENDER Lender is a CORPORATION organized and existing under the laws of NEW YORK Lendees address is 4500 Park Granada MSN# SVB-314 Calabasas, CA 91302-1613 (E) "Note" means the promissory note signed by Borrower and dated MARCH 29, 2007 The Note states that Borrower owes Lender ONE HUNDRED SEVENTY SIX THOUSAND EIGHT HUNDRED and 00/100 Dollars(U.S.$17 6,8 0 0.0 0 )plus interest.Borrower has promised to pay this debt in regular `4' 40-GA(PA)(owe) CHL(10105) Page 2 of 17 Form 3039 1101 8KI988PG4479 • 6 J � DOC ID #: 00016621092303007 Periodic Payments and to pay the debt in full not later than APRIL 01, 2047 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "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]: El Adjustable Rate Rider El Condominium Rider Second Home Rider 0 Balloon Rider El Planned Unit Development Rider 1-4 Family Rider VA Rider 0 Biweekly Payment Rider 0 Other(s)[specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable 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. (It7 "Electronic Funds Transfer"means any transfer of funds,other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer,or magnetic tape so as to order, instruct,or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (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; (ii)condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (1)"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(ii)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.Part 3500),as they might be amended from time to time,or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all 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. 40-6A(PA)(o5oa) CHL(10105) Page 3 of 17?5�p-lller Form 3039 1101 BK 1 *9'8 8-PG 4 4 8 0 o U I A � DOC ID #: 00016621092303007 TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i)the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to NIERS(solely as nominee for Lender and Lender's successors and assigns)and to the successors and assigns of h ERS,the following described property located in the COUNTY of CUMBERLAND [Type of Recording Jurisdiction] [Name of Recording Jurisdiction]. SEE EXHIBIT "Ar' ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 3 TIMBER LN, MOUNT HOLLY SPRINGS , [street/City] " Pennsylvania 17 0 6 5—10 3 3 ("Property Address"): [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements, appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MFRS holds only legal title to the interests granted by Borrower in this Security Instrument,but,if necessary to comply with law or custom,NIERS(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 take any action required of Lender including,but not limited to,releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfidly seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. ?.v 1(v( 40-6A(PA)(0508) CHL(10106) Page 4 of 17 Form 3039 1101 BK 1988PG44'8 I � t DOC ID ##: 00016621092303007 THIS. SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows: 1.Payment of Principal,.Interest,Escrow Items,Prepayment Charges,and Late Charges.Borrower shall pay when due the principal of, and interest on,the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender: (a)cash; (b)money order, (c)certified 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. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15.Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted.If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds.Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current.If Borrower does not do so within a reasonable period of time,Lender shall either apply such funds or return them to Borrower.If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure.No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2.Application of Payments or Proceeds.Except as otherwise described in this Section 2,all payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest due under the Note;(b)principal due under the Note,(c)amounts due under Section 3.Such payments shall be applied to each Periodic Payment in the order in which it became due.Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due,the payment may be applied to the delinquent payment and the late charge.If more than one Periodic Payment is outstanding,Lender may apply any payment received from 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 Iate charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments,insurance proceeds,or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments. jet 4®-SA(PA)(0508) CHL(10105) Page 5 of 17 Form 3039 1101 6K 19 8 8 PG-4 4.8 2 • ♦t ^i t DOC ID #: 00016621092303007 3.Funds for Escrow Items.Borrower shall pay to Lender on the day Periodic Payments are due under .the Note,until the Note is paid in full,a sum(the "Funds")to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b)leasehold payments or ground rents on the Property,if any;(c)premiums for any and all insurance required by Lender under Section 5;and(d)Mortgage Insurance premiums,if any,or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.These items are called"Escrow Items."At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments,if any,be escrowed by Borrower,and such dues,fees and assessments shall be an Escrow Item. Borrower shall promptly 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.In the event of such waiver,Borrower shall pay directly,when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount.Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and,upon such revocation,Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b)not to exceed the maximum amount a lender can require under RESPA.Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency,instrumentality, or entity(including Lender,if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA.Lender shall not charge Borrower for holding and applying the Funds,annually analyzing the escrow account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest 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 shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. 6A(PA)(0508) CHL{40106) Page 6 of 17 /Cox Form 3039 1101 m 6Kl988PGA 4•83 DOC ID #: 00016621092303007 Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any Funds held by Lender. 4.Charges;Liens.Borrower shall pay all taxes,assessments,charges,fines,and impositions attributable to the Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if any,and Community Association Dues,Fees,and Assessments,if any.To the extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only so long as Borrower is performing such agreement;(b)contests the lien in good faith by,or defends against enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded; or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien.Within 10 days of the date on which thaf notice is given,Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5.Property Insurance.Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which 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 determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification.Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,at Lender's option and Borrower's expense.Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but 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 loss payee.Lender shall have the right to hold the policies and renewal certificates.If -6A(PA)(0608) CHL(10105) Page 7 of 17 � Form 3039 1101 EK 19 8 8,AG 4.4-84 DOC ID #: 00016621092303007 Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of,the Property,such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.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 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 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 Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is 40-GA(PA)psw) CHI.(10105) Page 8 of 17 1='111le Form 3038 1101 m BKi988PG4-48-5 I r f DOC ID #: 00016621092303007 completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S.Borrower's Loan Application.Borrower shall be in default if,during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information)in connection with the Loan.Material representations include,but are not limited to,representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9.Protection of Lender's Interest in the Property and Rights Under this Security Instrument.If(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b)there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this 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 a lien which has priority over this Security Instrument; (b) appearing in court;and(c)paying reasonable attorneys'fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs,change locks,replace or board up doors and windows,drain water from pipes,eliminate building or other code violations or dangerous conditions,and have utilities 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 Lender 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 substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect,from an alternate mortgage insurer selected by Lender.If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,notwitd hstanding the fact that the Loan 40-BA(PA)(o5os) CHL(10/05) Page 9 of 17 �� Form 3039 9101 BK J9'8*8 PG 4.4 8--g DOC ID #: 00016621.092303007 is ultimately paid in full,and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available,is obtained,and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of 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 reinsurer,any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be characterized as)a portion of Borrower's payments 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 will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,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 refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law.These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance,to have the Mortgage Insurance terminated automatically,and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Lender's security is not lessened.During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.If the restoration or 40-6A(PA)(0608) CHL(10105) Pape 10 of V Form 3039 1101 OK19-88P6.4487 DOC ID #: 00016621092303007 repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any, paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking,destruction,or loss in value of the Property,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid.to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,destruction,or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking,destruction, or loss in value,unless Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a)the total amount of the sums secured immediately before the partial taking,destruction,or loss in value divided by(b)the fair market value of the Property immediately before the partial 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 Ioss in value, unless Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the Opposing Party(as defined in the next sentence)offers to make an award to settle a claim for damages,Borrower fails to respond to Lender within 30 days after the date the notice is given,Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. 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 sums 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 any 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 the original Borrower or any Successors in Interest of Borrower.Any forbearance by Lender in exercising any right or remedy including, without limitation,Lender's acceptance of payments from third persons, entities or Successors in Interest of -6A(PA)(0506) CHt.(10106) Page it of 17 Form 3039 1101 BKI '9-8 8 PG 4 4.818 s ` n DOC TD #: 00016621092303007 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. 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. 15.Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrowees notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting Borrowers change of address,then Borrower shall only report a change of address through that specified procedure.There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender.If any notice required by 40 GA(PA)(osoa) CHL(10105) Page 1z of 17 • l Form 3039 9101 BK 1988 PG448-9 r DOC ID #: 00016621092303007 this Security Instrument is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. lb.Governing Law;Severability;Rules of Construction.This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender,(b)words in the singular 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's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property, including,but not limited to, those beneficial interests transferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender.shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument.If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further-notice or demand on Borrower. 19.Borrower's Right to Reinstate After Acceleration.If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of:(a)five days before sale of the Property pursuant to any power of sale contained in this Security Instrument;(b)such other period a§AppIicable 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 agreements; (c)pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees,and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument;and(d)takes such action as Lender may reasonably require to assure that Lender`s interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument,shall continue unchanged.Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender:(a)cash;(b)money order,(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, 40-6A(PA)(oboe) CHL(10106) Page 13 of i7 �� Form 3039 1101 BU 988PG449-0 DOC ID #: 00016621092303007 instrumentality or entity; or (d)Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of acceleration under Section 18. 20.Sale of Note;Change of Loan Servicer;Notice of Grievance.The Note or a partial interest in the Note(together with this Security Instrument)can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity(known as the"Loan Servicer")that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note,this Security Instrument,and Applicable Law.There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing.If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence,join, or be joined to any judicial action (as either an individual litigant or the member of a class)that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of,or any duty owed by reason of, this Security Instrument,until such Borrower or Lender has notified the other party(with such notice given in compliance with the requirements of Section 15)of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action.If Applicable Law provides a time period which must elapse before certain action can be taken,that time period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21.Hazardous Substances.As used in this Section 21:(a)"Hazardous Substances"are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances:gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action,or removal action,as defined in Environmental Law; and(d)an 'Environmental Condition" means a condition that can cause,contribute to,or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances,or threaten to release any Hazardous Substances,on or in the Property.Borrower shall not do,nor allow anyone else to do,anything affecting the Property(a)that is in violation of any Environmental Law,(b) which creates an Environmental Condition,or(c)which,due to the presence,use,or release of a Hazardous Substance,creates a condition that adversely affects the value of the Property.The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including,but not limited to,hazardous substances in consumer products). -SA(PA)(0506) CHL(10105) Page 14 of 17 Form 3039 1101 BU 9 8 8 PG V-4.g-.1 r t n DOC ID #: 00016621092303007 Borrower shall promptly give Lender written notice of(a)any investigation,claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge,(b)any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance,and(c)any condition caused by the presence,use or release of a Hazardous Substance which adversely affects the value of the Property.If Borrower learns, or is notified by any governmental or regulatory authdrity,or any private party,that any removal or other remediation of any Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section IS unless Applicable Law provides otherwise).Lender shall notify Borrower of,among other things: (a)the default;(b)the action required to cure the default;(c)when the default must be cured;and(d)that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property.Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding.Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22,including,but not limited to,attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23.Release.Upon payment of all sums secured by this Security Instrument,this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument.Borrower shall pay any recordation costs.Lender may charge Borrower a fee for releasing this Security Instrument,but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24.Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution,extension of time,exemption from attachment,levy and sale,and homestead exemption. 25.Reinstatement Period.Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. -GA(PA)(0508) CHL(10105) Page 15 of 17 Form 3038 1101 OK1.9'8.8 PG'4:4 9.2 c f � - o DOC ID #: 00016621092303007 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. r (Seal) HARRY D RINEHART -Borrower 1124 (Seal) AK- EHART Borrower (Seal) -Borrower (Seal) -Borrower -6A(PA)pw) CHL(10105) Page 16 of 17 Form 3039 1101 SK 19,8 8 FG 4 4 9 3 C 1 y • b DOC ID #: 00016621092303007 COMMONWEALTH OF PENNSYLVANIA, CV MIS CA44 A County ss: On this,the day of / A09 200 7 ,before me,the �unde igned officer,personally appeared �t t IJg-r a NU i N fv i}I�IeT known to me(or satisfactorily proven)to be the persocowhose nam s re is/ subscribed to the within instrument and acknowledged that he/she he executed the same for the purposes herein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. My Commission Expires: 1144-a 007 0 r- = fdotarial sear � �R� P041-1c WlBfamR.Llndslay fttarypubllc Straban•fwp,kdsants County My CommisSlOr,Exp(re5 Nov.24,2007 Title of Officer Member,Pannsylmnin Aswalation of Notades Certificate of Residence /� I, �(,J` .2 r-�.t�esc.�� ,do hereby certify that the correct address of the within-named Mortgagee is P.O.Box 2026,Flint, M148501-2026. Witness my hand this 7 day of /f/ l�Ct'( 1 a'�d T gent of Mortgagee c 4®-GA(PA)(0508) CHL(10105) Page 17 of 17 Form 3039 1101 8919'8.8-PG 4 4 94 n Rj� r � • Q' C' �(f• ��rlr M All that certain parcel of land and improvements therein situate in the Township of South Middleton, County of Cumberland,and Commonwealth of Pennsylvania,and designated as Parcel No.40-13-0124-052 and more fully described in a Deed dated February 28, 1990 and recorded January 31, 1991 in Cumberland County in Deed Book Y34,Page 735, granted and conveyed unto Harry D.Rinehart and Joann K.Rinehart,husband and wife. BEING SUBJECT to a 20 foot storm sewer easement as shown on Plan. SUBJECT,HOWEVER to the provisions that all Plans and Specifications for any proposed buildings must be submitted to the Grantors,or their nominee, for approval as to size,style of architecture and material to be used,and no construction shall begin until approval has been given,which approval will not be unreasonably withheld and will be based in part on the conformity of any proposed building with the size and style of existing buildings standards and practices. Approval or disapproval shall be given in writing within thirty days from the date of submission of the Plans. Any buildings started must be completed within nine(9)months of date of said initial construction. I Certify this to be recorded In Cumberland County PA Recorder of Deeds 4.9-5 EXHIBIT "C" 12-23-'13 13:24 T-496 P0031/0034 F-553 (K"? 7 e� QM PREPARED BY&RETURN TO: M.I=wiletnoa Orion Firviww Group,10c. 2860 Exchange Blvd.#100 Soutblalce,TX 76092 Parcel#40-13-0124.052 AsAgazamt of Mortgage Send Any Notices To Assignee. For Valuable Consideration.the Wdtrsigned, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC. ("M=S")SOLELY"NOMINEE FOR COUNTRYWIDE HOME LOANS,UQC,DNA AMIUCA'S WHOLESALE LENDER,GQ18 Miller Road,Flint,MI 48507(Assignor)by thetse praseats dolt assign,and od over,without recoum,to THE BANK OF NEW YORK MELLON FKA THE BANK 01!NEW YORK,AS TRUSTEE FOR THE CERTMCATZHOIADtRS OF THE CWABS,INC.,ASSET-BACKED CERTIFICATES,2(07.1 17$7 TAPO CANYON ROAD,SXW VALLEY,CA 93063(Asslgnee)the described mortgage,togetber with MOM notes)desMbcd with all imetest, all liens,any rights due or to become due there oa,executrd by HARRY 0 R][NKHA,RT,AND JOANN K RINMIART, HUSBAM ANI)WIFE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.('ACRS)SOLELY AS NOMINEE FOR COUNTRYWIDE HOME LOANS,INC.DBA AMERICA'S WHOLESALE LENDER. Said mortgage Dated:31290007 is nxorded in the Sate of PA,County of Cumberland on 4117/2007,as Book 19M page 4478 AMOUIgTt S 176,!100.00 Property Address:3 TIMBER LN,MOUNT HOLLY SPMes,PA 17065-1033 IN WITNESS WHEREOF.yte undersigned corporation has caused this instrument to be executed by its proper officer. Executed on: t MORTGAGE ELECIRONIC RECrMMTION SYSWMS,INC.("MERS')SOLELY AS NOMINEE FOR COUNTRYWIDE HOME LOANS,INC.DBA 'S WHOLESALE LENDER I3y. - , //�411f10lgl�llllln�lll�lNlIIIIlI�IBI�lI� _ p RTNEHfART W •11000325* State of£ �ovnry of��� OQ N %I before m tbe.undersigned,personally appea_d.Lk� rn ��,who aolmowtedged that he(she is ofl for MORTGAGE EL CTR0NJC REGISTRA73ON SYSTEMS,INC.C MFRS")SOLELY AS NOMINEE FOR COUNTRYWIDE HOME LOANS,INC.DBA AMERICAS WHOLESALE LENDER and that hdsho cxmdcd the foregoing instrument and that such ezraudon was dour as the flee act and deed of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.("MERS")SOLELY AS NOMINEE FOR COUNTRYWIDE HOME LOANS,INC.DBA AMERICA'S WHOLESALE LENDER . Notary pub6 . :r•�.: L%..% My NsYr York No OICA6f89T92 in meam CDU* .'T]herr:;`,.•:• 4IO2-N-1072 MIN 100015700079790834 MERS Phone 88"7M377 PA Cumberland NBS/ASMT/DAC The Assipee hereby certifies that the precise residence is 1757 TAPO CANYON ROAM,SM VALLEY,CA 93063, ,1��( If l_ S 12-23-'13 13;29 T-496 P0032/0034 F-553 ROBERT P.ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE,PA 17013 .. 717-240-6370IIM - i y Imtrument Number-201106497 Recorded On 2lZSr2011 At 11:43;17 AM *Total Pages-2 *Instrument Type-ASSIGNMENT OF MORTGAGE Invoke Number-SM7 User YD-MBL *Mortgagor-RINEHAItT,HARRY D *Mortgagee-CWABS INCASSET BACKED CERT 200074 Customer-ORION FINANCIAL GROVp INC *MRS STATE NRIT TAX $0.50 Certification Page STATE JCS/ACCESS To $23.50 JUSTICE. DO NOT DETACH RECORDING FSS - $11.50 RECORDER Or DEEDS PARCEL CERTIFICATiox $10.00 This page IS now part FEES of this legal document. COUNTY ARC9WEs FEE $2.00 ROD ARCHIVES FEE $3.00 1. TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA coRDER O S •-Information denoted by to msterisk may change during the verification process mod may not be rethfeted on this pagr. �lI�II!lfll��ll�llllil! EXHIBIT "D" EXHIBIT A All theft cm tkin parcel of land and it xeavem is therein situates in flue Township of South M ddletm County of Cgmberland,and Commonwealth of Pennnn4varua,and desimatm as Parcel No.40-13-0124-052 and more fatly described in a Deed dated February 28, 1990 and recorded January 31, 1991 in Cumberland County in Deed Book x'34,Page 735,granted and conveyed unto Harry D.Rinehart and Joann K.Rinahart,husband and Wife. BEWG SUBJECT to a 20 foot storm sewer easement as shown on Pian. Si. ECT,HOWEVER to the provisions that all Plans and Specification for any proposed buildings must be submitted to the Grantors,or their nominee,for approval as to size,style of architectare and material to be Used,and no constrrrction shall begin until approval has been given,which approval will not be unreasonably withheld and will be based in part an the conformity of any proposed building with the size and style of enlisting buildings standards and practices, Approval or disapproval shall be given in writing within thirty dqs from the date of submission of the Plans. Any buildings started must be completed within nine(9)months of date of said initial construatiaa, EXHIBIT "E" BankofAmerica PRESORT Home Loans First-Class Mall PO Box 9048 U.S.Postageand Temecula,CA 92589-9048 Fees Paid WSO 7113 8257 1473 9248 5214 Send Payments To: PO Box 660694 Dallas,TX 75266-0694 Send Correspondence to: PO Box 5170,MS SV314B Simi Valley,CA 93065 100120-7 BLOPAI Joann K Rinehart 3 TIMBER LN MOUNT HOLLY SPRINGS, PA 17065-1033 1225-3 BankofAmerica Home Loans P.O.Box 660694 Send Payments to: Dallas, TX 75266-0694 P.O.Box 660694 Dallas, TX 75266-0694 01/20/2010 Certified Mail: 7113 8257 1473 9248 5214 Return Receipt Requested Regular Mail Joann K Rinehart Account No.: 166210923 3 TIMBER LN Property Address: MOUNT HOLLY SPRINGS,PA 17065-1033 3 Timber Ln Mount Holly Springs, PA 17065-1033 Current Servicer: BAC Home Loans Servicing, LP ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help.you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselina Aaencv. The names,addresses and phone numbers of Consumer Credit Counselina Agencies serving your County are listed at the end of this Notice. If you have any questions.you may call the Pennsylvania Housing Finance Aaencv toll free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC161N EN ADJUNTO ES DE SUMA IMPORTANCIA,PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRtSTAMO 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): Joann K Rinehart PROPERTY ADDRESS: 3 Timber Ln Mount Holly Springs.PA 17065-1033 LOAN ACCT.NO.: 166210923 ORIGINAL LENDER: CURRENT LENDER/SERVICER: BAC Home Loans Servicing. LP HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. Please wdie your account number on all checks and correspondence. We may charge you a fee for any payment returned or rejected by yourfinancal Institution,subject to applicable law. BLDPA1 8323/10792 04/182008 Payment InahUdlona: Account Number: Joann K Rinehart Balance Due for charges listed above:$15,008.41 as of January 20,2010. • Make your check payable to 13AC 3 Timber Ln Home Loans Servicing,LP te Mount Holly Springs,PA 17065-1033 Please updae-mail information on the reverse side ofthiscoupon. o • Don't send cash YAddionna/ • Please include coupon with your arrn- payment mpaf BLaPA1 For all full month payment periods,interest Adtlidon� is calculated on a monthly basis. II r l II IIII 1 I I 1 II. 1 I I I ffs " Acoordngly, Interest for all full months, III II I I I I1'i' II I I'I I I" I I' I III III I I I I11 I I I I including February, Is calculated as BAC Home Loans Servicing,LP 30!380 of annual interest,irrespective of Check the actual number of days in the month. PO BOX 660694 t, For partial months,Interest is calculated Dallas,TX 75266-0694 c daily on the basis of a 385 day year. 166210923800001500841001500841 1: 5869900 581: 166 2 409 2 3H YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act,you are entitled to a temporary stay of foreclosure on your mortgage for Thirty(30)days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE, THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for Thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the nrooerty 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.) if you have tried and are unable to resolve this problem with the lender, 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. Your application MUST be filed or postmarked within Thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 3 Timber Ln Mount Holly Springs, PA 17065-1033 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due Monthly Charoes: 04/01/2009 $12,212.82 01/01/2010 $2,126.40 Late Charges: 04/01/2009 $678.50 Other Late Charges: Total Late Charges: $0.00 Uncollected Costs: $150.00 Partial Payment Balance: ($159.31) TOTAL DUE: $15,008.41 BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. E-mail use:Providing your e-mail address below will allow us to send you information on your account. How we post your payments: All accepted Acoount Number:18MI0923 payments of principal and interest will be applied to Joann K Rinehart E-mail address: the longest outstanding installment due, unless otherwise expressly prohibited or limited by law. If you submit an amount in addition to your scheduled monthly amount, we will apply your payments as follows: (i) to outstanding monthly payments of principal and Interest, (II) escrow deficiencies, (iii) late charges and other amounts you owe in connection with your loan and (iv) to reduce the outstanding principal balance of your loan. Please specify if you want an additional amount applied to future payments,rather than principal reduction. Postdated checks: Postdated checks will be processed an the date received unless a loan counselor agrees to honor the date written on the check as a condition of a repayment plan. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable)) HOW TO CURE THE DEFAULT-You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $15,008.41, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cashier's check,certified check or money order made payable and sent to: BAC Home Loans Servicing, LP at P.O. Box 660694,Dallas,TX 75266-0694. You can cure any other default by taking the following action within THIRTY (30)DAYS of the date of this letter. (Do not use if not applicable) IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly Installments. If full payment of the total amount past due is not made within THIRTY(30) DAYS,the lender also Intends to Instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to Its attorneys, but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to$50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you stili have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course,the amount needed to cure the default will Increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: BAC Home Loans Servicing,LP Address: P.O.Box 660694 Dallas, TX 75266-0694 Phone Number: 1-800.669-0102 Fax Number: 1-805-577-3432 Contact Person: MS TX2-981-03-03 Attention: Loan Counselor EFFECT OF SHERIFF'S SALE-You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attomeys fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD,PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Your loan is in default. Pursuant to your loan documents, BAC Home Loans Servicing, LP may, enter upon and conduct an Inspection of your property. The purposes of such an inspection are to (1)observe the physical condition of your property, (ii) verify that the property is occupied and/or(iii)determine the identity of the occupant. If you do not cure the default prior to the Inspection, other actions to protect the mortgagee's interest in the property (Including, but not limited to,winterization, securing the property, and valuation services) may be taken. The costs of the above-described inspections and property preservation efforts will be charged to your account as provided in your security instrument. If you are unable to cure the default on or before February 19, 2010, BAC Home Loans Servicing, LP wants you to be aware of various options that may be available to you through BAC Home Loans Servicing, LP to prevent a foreclosure sale of your property. For example: • Repayment Plan: It is possible that you may be eligible for some form of payment assistance through BAC Home Loans Servicing, LP. Our basic plan requires that BAC Home Loans Servicing, LP receive, up front, at least 1A of the amount necessary to bring the account current,and that the balance of the overdue amount be paid,along with the regular monthly payment,over a defined period of time.Other repayment plans also are available. • Loan Modification: Or, it is possible that the regular monthly payments can be lowered through a modification of the loan by reducing the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure alternative,however, is limited to certain loan types. • Sale of Your Property: Or, if you are willing to sell your home In order to avoid foreclosure, it is possible that the sale of your home can be approved through BAC Home Loans Servicing, LP even if your home is worth less than what is owed on it. • Deed-in-Lieu: Or, if your property is free from other liens or encumbrances, and if the default is due to a serious financial hardship which is beyond your control,you may be eligible to deed your property directly to the Noteholder and avoid the foreclosure sale. If you are interested in discussing any of these foreclosure alternatives with BAC Home Loans Servicing, LP, you must contact us immediately. If you request assistance, BAC Home Loans Servicing, LP will need to evaluate whether that assistance will be extended to you. In the meantime, BAC Home Loans Servicing, LP will pursue all of its rights and remedies under the loan documents and as permitted by law, unless it agrees otherwise in writing. Failure to bring your loan current or to enter into a written agreement by February 19,2010 as outlined above will result in the acceleration of your debt. Time is of the essence. If you have any questions concerning this notice, please contact Loan Counseling Center immediately at 1-800-669-0102. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY Adams County Interfaith CCCS of Western PA Community Action Commission Housing Authority 2000 Linglestown Road of Capital Region 40 E High Street Harrisburg,PA 17102 1514 Derry Street Gettysburg,PA 17325 888.511.2227 Harrisburg,PA 17104 717.334.1518 717.232.9757 Loveship,Inc. Maranatha PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg,PA 17110 Waynesboro,PA 17268 Harrisburg,PA 17110 717.232.2207 717.762.3285 717.780.3940 800.342.2397 BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. Bankof America PRESORT Home Loans First-Class Mail PO Box 9048 U.S.Postage and Temecula.CA 92589-9048 Fees Paid WSO 2229995876, Send Payments To: ` PO Box 660694 Dallas,TX 75266-0694 Send Correspondence to: PO Box 5170,MS SV314B Simi Valley,CA 93065 100120-7 BLQPAI ���11�1���11�1�'�IJ�I�IIIIIIIL�II�II�I����IInIIII�I�I�Il�lnu Harry D Rinehart 3 TIMBER LN MOUNT HOLLY SPRINGS, PA 17065-1033 1225-3 Bankof America �� Home Loans P.O.Box 660694 Send Payments to: Dallas,TX 75266-0694 P.O.Box 660694 Dallas, TX 75266-0694 0112012010 Harry D Rinehart Account No.: 166210923 3 TIMBER LN Property Address: MOUNT HOLLY SPRINGS, PA 17065-1033 3 Timber Ln Mount Holly Springs, PA 17065-1033 Current Servicer: BAC Home Loans Servicing, LP 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 panes. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save vour home. This Notice explains how the program works. To see if HEMAP can help.you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The names,addresses and phone numbers of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency 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 NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA,PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACi6N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRr=STAMO 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): Harry D Rinehart PROPERTY ADDRESS: 3 Timber Ln Mount Holly Sprincas.PA 17065-1033 LOAN ACCT.NO.: 166210923 ORIGINAL LENDER: CURRENT LENDERISERVICER: BAC Home Loans Servicing,LP HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. Please write your account number on all checks and correspondence. We may charge you a fee for any payment returned or rejected by your financial institution,subject to applicable law. BLQPA1 8323/10792 041182008 Payment itrtatrudlorta: un Number.- Harry D Rinehart Balance Due for charges listed above:$15,0011.41 as of January 20,2010. • Make your check payable 10 BAC 3 Timber Ln Home Loans Servicing,LP Mount Holly Springs,PA 17065-1033 Please update e-mail information on tha reverse sida of this coupon. o • Don't send cash y o Please include coupon with your Addibo payment I cia� BLCPAI For all full month paymerri periods,Interest Add,-- is calculated on a monthly basis. „r r l I III 1 I I 11 1 I 1 1 1 1 Escrow Accordingly. interest for all fdl months, including February, is calculated as BAC Home Loans Servicing,LP 30/360 of annual interest,irrespective of Check PO BOX 660694 the actual number of days in the month. Toni For partial months,Interest is calculated Dallas,TX 75268-0894 daily on the basis of a 365 day year. 166210923800001500841001500841 1: 5869900 581: 166 2 L09 2 3110 v Y YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act,you are entitled to a temporary stay of foreclosure on your mortgage for Thirty(30)days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for Thirty (30) days after the date of this meeting. The names addresses and telephone numbers of desianated consumer credit counseling agencies for the county in which the Prooerty 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.) If you have tried and are unable to resolve this problem with the lender, 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. Your application MUST be filed or postmarked within Thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 3 Timber Ln Mount Holly Springs, PA 17065-1033 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due Monthly Charaes: 04/01/2009 $12.212.82 01/01/2010 $2,126.40 Late Charges: 04/01/2009 $678.50 Other Late Charges: Total Late Charges: $0.00 Uncollected Costs: $150.00 Partial Payment Balance: ($159.31) TOTAL DUE: $15,008.41 BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. E-mail use:Providing your e-mail address below will allow us to send you information on your account. How we post your payments: All accepted Account Number:IM10923 payments of principal and interest will be applied to Harry D Rinehart E-mail address: the longest outstanding installment due, unless otherwise expressly prohibited or limited by law. If you submit an amount in addition to your scheduled monthly amount, we will apply your payments as follows: (i) to outstanding monthly payments of principal and interest, (ii) escrow deficiencies, (iii) late charges and other amounts you owe in connection with your loan and (iv) to reduce the outstanding principal balance of your loan. Please specify if you want an additional amount applied to future payments,rather than principal reduction. Postdated checks: Postdated checks will be processed on the date received unless a loan counselor agrees to honor the date written on the check as a condition of a repayment plan. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable)) HOW TO CURE THE DEFAULT-You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $15,008.41, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cashier's check,certified check or money order made payable and sent to: BAC Home Loans Servicing, LP at P.O. Box 660694,Dallas,TX 75266-0694. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. (Do not use if not applicable) IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly Installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS,the lender also Intends to Instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually Incurred,up to$50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually Incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sherifrs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6)months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: BAC Home Loans Servicing,LP Address: P.O.Box 660694 Dallas, TX 75266--0694 Phone Number: 1-800-669-0102 Fax Number: 1-805-577-3432 Contact Person: MS TX2-981-03-03 Attention: Loan Counselor EFFECT OF SHERIFF'S SALE-You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. if you continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Your loan is in default. Pursuant to your loan documents, BAC Home Loans Servicing, LP may, enter upon and conduct an Inspection of your property. The purposes of such an inspection are to (i)observe the physical condition of your property, (ii) verify that the property is occupied and/or(iii) determine the identity of the occupant. If you do not cure the default prior to the Inspection, other actions to protect the mortgagee's Interest in the property (including, but not limited to,winterization, securing the property, and valuation services) may be taken. The costs of the above-described inspections and property preservation efforts will be charged to your account as provided in your security instrument. If you are unable to cure the default on or before February 19, 2010, BAC Home Loans Servicing, LP wants you to be aware of various options that may be available to you through BAC Home Loans Servicing, LP to prevent a foreclosure sale of your property. For example: • Repayment Pian: It is possible that you may be eligible for some form of payment assistance through BAC Home Loans Servicing, LP. Our basic plan requires that BAC Home Loans Servicing, LP receive, up front, at least 1/2 of the amount necessary to bring the account current,and that the balance of the overdue amount be paid,along with the regular monthly payment,over a defined period of time.Other repayment plans also are available. • Loan Modification:Or, it is possible that the regular monthly payments can be lowered through a modification of the loan by reducing the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure alternative,however, is limited to certain loan types. • Sale of Your Property: Or, if you are willing to sell your home in order to avoid foreclosure, it is possible that the sale of your home can be approved through BAC Home Loans Servicing, LP even if your home is worth less than what is owed on it. •, Deed-in-Lieu: Or, if your property is free from other liens or encumbrances, and if the default is due to a serious financial hardship which is beyond your control,you may be eligible to deed your property directly to the Noteholder and avoid the foreclosure sale. If you are interested in discussing any of these foreclosure alternatives with BAC Home Loans Servicing, LP, you must contact us immediately. If you request assistance, BAC Home Loans Servicing, LP will need to evaluate whether that assistance will be extended to you. In the meantime, BAC Home Loans Servicing, LP will pursue all of its rights and remedies under the loan documents and as permitted by law, unless it agrees otherwise in writing. Failure to bring your loan current or to enter into a written agreement by February 19,2010 as outlined above will result In the acceleration of your debt. Time Is of the essence. If you have any questions concerning this notice, please contact Loan Counseling Center immediately at 1-800-669-0102. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY Adams County Interfaith CCCS of Western PA Community Action Commission Housing Authority 2000 Linglestown Road of Capital Region 40 E High Street Harrisburg,PA 17102 1514 Derry Street Gettysburg,PA 17325 888.511.2227 Harrisburg,PA 17104 717.334.1518 717.232.9757 Loveship,Inc. Maranatha PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg,PA 17110 Waynesboro,PA 17268 Harrisburg,PA 17110 717.232.2207 717.762.3285 717.780.3940 800.342.2397 BAC Home Loans Servicing,LP is a subsidiary of Bank of America,N.A. ■ S L S RIGS Good Through 03/28/14 Client: SLS Loan Number: 1005708272 Mortgagor Name: HARRY D RINEHART Current Interest Rate: 8.95000 Per Diem: 43.0600 Prepared: 3/19/2014 Unpaid Principal Balance: = 175607.81 Interest From: 06/01/09 to 03/28/14 = 75817.80 Escrow Advanced: = 19702.03 Delinquent Taxes = 0.00 Delinquent Insurance = 0.00 Deferred Principal = 0.00 Late Charges Good Through: 08/23/13 = 3256.32 NSF Fee: = 0.00 Property Inspection: = 90.80 BPO Fees: = 150.00 Attorney Fees&Costs: = 500.00 Property Preservation: = 1668.00 Suspense(Unapplied): — -14019.05 Subtotal Due: = 262,773.71 Comments: IF ANY OF THE ABOVE FEES ARE IN EXCESS OF THOSE ALLOWED BY THE LAWS OF YOUR JURISDICTION,PLEASE ADJUST TO THE ALLOWABLE LIMITS. 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado, 80129 OSLS JFIGS Good Through 03/28/14 8742 Lucent Blvd., Suite 300, Highlands Ranch, Colorado, 80129 Loan Number: 1005708272 Borrower: HARRY D RINEHART Date: 3/19/2014 Total Advances $ 2,408.80 BPO FEES Transaction Date Transaction Desc Transaction Amt L01/18/2013 - BPO $ 150.00] Total $ 150.00 PROPERTY INSPECTION FEES Transaction Date Transaction Desc Transaction Amt 07/31/2013 PROP INSPECTION FEE $ 11.35 09/10/2013 PROP INSPECTION FEE $ 11.35 [10/10/2013.__.____ __ PROP INSPECTION FEE $ 11.35 11/12/2013 PROP INSPECTION FEE $ 11.35 12/05/2013_ PROPINSPECTION $ 11.35 01/16/2014 PROP INSPECTION FEE $ 11.35 L02/06/2014, ` PROP INSPECTION FEE $ 11.35 03/14/2014 PROP INSPECTION FEE $ 11.35 I Total $ 90.80 ATTORNEY FEES&COSTS Transaction Date Transaction Desc Transaction Amt 12/31/2013 FORECLOSURE EXP $ 350.00 10/31/2012 BANKRUPTCY EXP $ 350.00 11/09/2012 EXPENSE ADVANCES $ (200.00) Total $ 500.00 PROPERTY PRESERVATION Transaction Date Transaction Desc Transaction Amt [11/16/2012 PROP PRESERVATION- $ - - Y 95.00 1 10/24/2013 PROP PRESERVATION- $_ 175.00 10/24/2013 PROP PRESERVATION- $ 48.00 09/17/2013 PROP PRESERVATION- $ 175.00 09/04/2013 PROP PRESERVATION- $ 175.00 08/22/2013 PROP PRESERVATION- $ 395.00 08/22/2013 PROP PRESERVATION- $ 125.00 ; 08/22/2013 PROP PRESERVATION- $ 48.00 08/09/2013 PROP PRESERVATION- $ 48.00- 06/04/2013 PROP PRESERVATION- $ 48.00 04/19/2013 PROP PRESERVATION- $ 48.00 11/16/2012 PROP PRESERVATION- $ 48.00 11/16/2012 PROP PRESERVATION- $ 100.00, 08/12/2013 PROP PRESERVATION $ 35.00 08/09/2013 PROP PRESERVATION $ 35.00 06/04/2013 PROP PRESERVATION $ 35.00 04/19/2013 PROP PRESERVATION $ 35.00 Total $ 1,668.00 Account Number: 1005708272 Borrower Information: HARRY D RINEHART DATE 3/19/2014 Current Escrow Balance $ (19,702.03) f SCRONA/ _D.V_A.ai3g Transaction Date Transaction Description Transaction Escrow Advance Amount Balance 1/13/2014 HAZARD INSURANCE $ (1,563.00) $ (19,702.03) 8/6/2013 SCHOOLTAX $ (1,355.79) $ (18,139.03) 3/27/2013 CITY TAX $ (399.50) $ (16,783.24) 12/20/2012 HAZARD INSURANCE $ (1,517.00) $ (16,383.74) 8/21/2012 SCHOOL TAX $ (1,340.70) $ (14,866.74) 4/30/2012 HAZARD INSURANCE $ (1,628.00) $ (13,526.04) 4/5/2012 CITY TAX $ (362.06) $ (11,898.04) 8/23/2011 SCHOOLTAX $ (1,342.51) $ (11,535.98) 3/30/2011 CITY TAX $ (362.06) $ (10,193.47) 2/15/2011 HOMEOWNERS INSURANCE $ (1,467.00) $ (9,831.41) 12/14/2010 ESCROW SHORTAGE $ 1,177.52 $ (8,364.41) 11/24/2010 HAZARD INSURANCE $ (768.00) $ (9,541.93) 8/12/2010 SCHOOLTAX $ (1,503.30) $ (8,773.93) 8/2/2010 REGULAR PAYMENT $ 0.01 $ (7,270.63) 7/2/2010 ADDT INSURANCE $ (376.00) $ (7,270.64) 6/21/2010 REGULAR PAYMENT $ 0.01 $ (6,894.64) 5/10/2010 REGULAR PAYMENT $ 0.01 $ (6,894.65) 4/27/2010 CITY TAX $ (393.21) $ (6,894.66) 1/27/2010 HAZARD INSURANCE CREDIT $ 899.00 $ (6,501.45) 1/19/2010 REGULAR PAYMENT $ 0.01 $ (7,400.45) 1/11/2010 HAZARD INSURANCE $ (1,029.00) $ (7,400.46) 9/15/2009 REGULAR PAYMENT $ 0.01 $ (6,371.46) 9/2/2009 CITY TAX $ (441.36) $ (6,371.47) 9/2/2009 SCHOOLTAX $ (1,507.52) $ (5,930.11) 9/1/2009 COUNTY TAX $ (4,422.59) $ (4,422.59) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson Sheriff �� -H^ PRO THON'- P: om ~~~,~~^'~' 2014 NOV PM � 0� Chief Deputy �"''""` . ' 3: 02 Richard -- - — CUMBERLAND tewart '''"'` Solicitor ,�,~"."~-".~~~� COUNTY ~'�~~'~°°~=~' PENNSYLVANIA The Bank of New York Mellon vs Harry D Rinehart (et al.) Case Number 2014-5969 SHERIFF'S RETURN OF SERVICE 10K77%2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to witHarry D Rinehart, but was unable10 Iocate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Adams, Pennsylvania to serve the within Compiaint in Mortgage Foreclosure according to Iaw. 1007/2014 Sheriff RoR Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Joanne K Rinehart, but was unabIto locate the Defendant inthe Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Adams, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to Iaw. 10/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Joanne K Rinehart, but was unable tolocate the Defendant inhis bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Found" at 3 Timber Lane, South Middleton Township, Mt, Holly Springs, PA 17065. The residence is vacant and per the Mt. Holly Postermaster the defendants moved and left no fowarding address. 10/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Harry D Rinehsrt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Found" at 3 Timber Lane, South Middleton Township, Mt, Holly Springs, PA 17085. The residence is vacant and per the Mt. Holly Postermaster the defendants moved and left no fowarding address. 014/2014 12:15 PM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Adams County upon Joanne K. Rinehart, who accepted for Harry D Rinehart, at 178 Labor Camp Road, Gardnem, PA 17324. James Muller, Sheriff, Return of Service attached to and made part of the within record. A0/14/2014 12:15 PM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Adams County upon Joanne K. Rinehart, who accepted for Joanne K Rinehart, at 178 Labor Camp Road, Gardners, PA 17324. James Muller, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: 58O,A1 SO ANSWERS, November 06, 2014 RONNYRANDERSON, SHERIFF (c) CourhySuite Sheriff, Teleasoft James W. Muller Sheriff Len J. Supenski Chief Deputy SHERIFF'S OFFICE OF ADAMS COUNTY Bernard A. Yannetti, Jr. Solicitor Kevin E. Miller Lieutenant THE BANK OF NEW YORK MELLON FLA THE BANK OF NEW YORK, AS TRUSTEE FOR T vs, HARRY D. RINEHART (et al.) Case Number 2014-5969 SHERIFF'S RETURN OF SERVICE 10/14/2014 12:15 PM - Deputy Carl Boyer, being duly sworn according to law, deposes and says, the Complaint in Mortgage Foreclosure (CIMF) was served upon HARRY D. RINEHART at 178 LABOR CAMP ROAD, GARDNERS, PA 17324 by handing a true and attested copy to a JOANNE K. RINEHART, Wife, adult -in -charge of residence at time of service, and made known the contents thereof. 10/14/2014 12:15 PM - Deputy Carl Boyer, being duly sworn according to law, deposes and says, the Complaint in Mortgage Foreclosure (CIMF) was served upon JOANNE K. RINEHART at 178 LABOR CAMP ROAD, GARDNERS, PA 17324 by handing a true and attested copy to the Defendant and made known the contents thereof. SHERIFF COST: $55.88 November 04, 2014 DATE 10/08/2014 10/08/2014 10/03/2014 10/08/2014 11/04/2014 11/04/2014 CATEGORY Advance Fee IsIcIary Fez Docket & Return Service Mileage Refund COSTS MEMO SO ANSWERS, JAMES W. MULLER, SHERIFF Advance Fee CHK # DEBIT CREDIT 3114 $0.00 $5.00 $9.00 $15.00 $26.88 3522 $94.12 $150.00 $0.00 $0.00 $0.00 $0.00 $0.00 BALANCE: . . 2...!WEALTI-1 OF PENNSYLVANIA NOTARIAL SEAL L. Newman, Notary Public Get:y5lAirg Oorc, Adams County Expires April 7, 2018 A-SSOCIATION OF N0TARES $150.00 $150.00 $0.00 Affirmed and subscribed to before me this 4TH day of NOVEMBER NOTARY 2014 (c)CountySoito Sheriff Teleot3c;tt SAVA . 46sYna.A-\ N-1k_oa Qu_ File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 do Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. _0 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE PRAECIPE TO ENTER DEFAULT JUDGMENT TO THE PROTHONOTARY: Kindly enter Judgment by Default in favor of Plaintiff, The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET- BACKED CERTIFICATES, SERIES 2007-4 and against Defendants, Harry D. Rinehart and Joann K. Rinehart, for failure to file an Answer to Plaintiff's Complaint within 20 days from Q�,\A S\10 0,0V rnS I J ')rAc� 36�ll`1 service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $277,706.37 Interest @8.9500% (10/02/2014 to 12/22/2014) $3,480.86 Property Preservation $2,288.00 Corporate Advance $2,239.03 TOTAL $285,714.26 Together with interest at the contract rate after the date of judgment, and costs. I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT IN MORTGAGE FORECLOSURE AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT IN MORTGAGE FORECLOSURE. I hereby certify that the attached Notices of Intention to Take Default were forwarded to Defendants more than ten (10) days ago. Dated: January , 2015 By: PARKER McCAY P.A. Richard J. Nalbandian, III, Esquire Attorney for Plaintiff PARKER McCAY P.A. By: Richard J Nalbandian III, Esquire Attorney ID# 312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539, (856) 810-5815 Attorne s for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 Civil CIVIL ACTION MORTGAGE FORECLOSURE NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Harry D. Rinehart 178 Labor Camp Rd Gardners, PA 17324 DATE OF NOTICE: November 21, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY. OR BY ATTORNEY AND FILE IN WRITING WITH THE • COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PARKER McCAY P.A. Dated: November. 21, 2014 By:. VIA FIRST CLASS MAIL Richard J Nalbandian, Esquire Attorney for Plaintiff PARKER McCAY P.A. By: Richard J Nalbandian III, Esquire Attorney ID# 312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorne s for Plainti The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart Joann K. Rinehart '3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 Civil CIVIL ACTION MORTGAGE FORECLOSURE NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Joann K. Rinehart 178 Labor Camp Rd Gardners, PA 17324 DATE OF NOTICE: November 21, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE. PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE -ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Dated: November 21, 2014 VIA FIRST CLASS MAIL. PARKER MCCAY P.A. By: k. Richard J Nalbandian, Esquire Attorney for Plaintiff PARKER McCAY P.A. By: Richard J Nalbandian III, Esquire Attorney ID# 312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorne s for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 Civil CIVIL ACTION MORTGAGE FORECLOSURE NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Harry D. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 DATE OF NOTICE: November 21, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU .SHOULD TAKE THIS 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. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE, Dated: November 21, 2014 VIA FIRST CLASS MAIL PARKER McCAY P.A. By: v `• Richard J Nalbandian, Esquire Attorney for Plaintiff PARKER McCAY P.A. By: Richard J Nalbandian HI, Esquire Attorney ID# 312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorne s for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, V. Harry D. Rinehart Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 Civil CIVIL ACTION MORTGAGE FORECLOSURE NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Joann K: Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 DATE OF NOTICE: November 21, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN' APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS 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. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Dated: November 21, 2014 VIA FIRST CLASS MAIL PARKER McCAY P.A. By: Richard J Nalbandian, Esquire Attorney for Plaintiff File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 do Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff,. v. Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE VERIFICATION OF NON-MILITARY SERVICE I, Richard J. Nalbandian, III, Esquire, hereby certify that I represent Plaintiff in the above entitled case; that I am authorized to make this Verification on behalf of Plaintiff; that the above- named Defendants are over 18 years of age; that the last known address of the Defendants is 178 Labor Camp Road, Gardner, PA 17324; that the occupations of the Defendants, Harry D. Rinehart and Joann K. Rinehart, are unknown; and that the Defendants, Harry D. Rinehart and Joann K. Rinehart, are not known to be in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. I also certify that the address of the Plaintiff is 8742 Lucent Blvd., Suite 300, Highlands Ranch, CO 80129. I understand that the statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: January , 2015 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney for Plaintiff Department of Defense Manpower Data Center Status Report Pursuant to Scrvicemembers Civil Relief Act Last Name: RINEHART First Name: HARRY Middle Name: D Active Duty Status As Of: Jan -07-2015 Results as of : Jan -07-2015 06:11:34 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 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 Date _. Active buty Start Date - Active Duty End 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 a Call -Up to Active Duty on Active Duty Status Date • Order Notification Start Date Order Notification End Date Status Service Component NA 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/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOM 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: Y1S6NB19Q119W40 Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act Last Name: RINEHART First Name: JOANN Middle Name: K Active Duty Status As Of: Jan -07-2015 Results as of : Jan -07-2015 06:14:32 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 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 Date Active Duty Start Date Active Duty End 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 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: 51ZB5B09Z11ALF0 File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 do Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE CERTIFICATION I, Richard J. Nalbandian, III, Esquire, do hereby certify that the Defendants, Harry D. Rinehart and Joann K. Rinehart, were served with the Complaint in Mortgage Foreclosure in this action, by the Adams County Sheriff on October 14, 2014. A true and correct copy of the Adams County Sheriffs Return of Service is attached hereto as Exhibit "A". Dated: January , 2015 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney for Plaintiff Ronny R Anderson Sheriff Jody S Smith Chief Deputy • Richard W Stewart Solicitor SHERIFF_S_.O.FFICE_O.F .C.U.MBERLAND_.COU.NTY �a��1+tt, at 11.,.nlrlfitrr��id r.• OFFICE OF THE v'ER'IFF The Bank of New York Mellon vs. Harry D Rinehart (et al.) Case Number 2014-5969 SHERIFF'S RETURN OF SERVICE 10/07/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Harry D Rinehart, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Adams, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 10/07/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Joanne K Rinehart, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff. of Adams, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 10/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Joanne K Rinehart; but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Found" at 3 Timber Lane, South Middleton Township, Mt. Holly Springs, PA 17065. The residence is vacant and per the Mt. Holly Postermaster the defendants moved and left no fowarding address. 10/13/2014 Ronny R Anderson; Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Harry D Rinehart, but was unable to locate :the Defendant in his .. ...... bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure.as "Not Found" at 3 Timber Lane, South Middleton Township, Mt. Holly Springs, PA 17065; The residence is vacant and per the Mt. Holly Postermaster the defendants moved and left .no fowarding address. 10/14/2014 12:15 PM - The requested. Complaint in Mortgage Foreclosure served by the Sheriff of Adams County upon'Joanne K. Rinehart, who accepted for Harry D Rinehart, at 178 Labor Camp Road, Gardners, PA 17324. James Muller, Sheriff, Return of Service attached to and made part of. the within record. 1'0/14/2014 12:1'5 PM The requested Complaint in;'Mortgage'Foreclo`sure served by the Sheriff of Adams County. upon Joanne K. Rinehart, who. accepted .for_doanne.K Rinehart, at 178 Labor Camp Road, Gardners, PA 17324. James Muller,' Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $80.91' ::.:::', :..::I•..: SO ANSW RS'."-"•:. • November 06, :2014'r;l: .- .•:•, :.. : i'. ":.iJ Lr:.. ,, .,r. i,1.: .:..�• c.. .. ;. ... t•; !�! :i' r.,: :J :JJi;'., .��:',� • ;-,c 1.1!C 11Ctihr r.{?iiS9,1.1''' ..:I)p f°•'-;..':. ..:7.i.° yJ., .i .....,. ... _ r..j 1 I illAliJ JID Inii i.l i:ilr•, Ur.IL.:r. ,•{i { �. L �;;ry 0uJIJ;t.i !L' JI4C. LC.�10LE h6fr{LL!c: ;IJe ✓E�I;IJIU C cIF'Li C~ 4i,,A°,' ...IJv 9Lf!,{ f, c , r' pri4 P.n.52 riuups 10 j(1C i •s• � j '•r;'i!!J IJ:J!!JvCj (1C;'}C'!J0,91.Ij jU /':..i: 'jCS111Jf � �>. " I''•'- . a1.leLi'.1' GielU-'G V'ii:' _ `.o:..: C'..:ii Z iLi( ,J L.. 4 t�, 'tet•• i -� ^1•I v . :,•.,.. .', '.:"�' :RON � 'RAN©�RSON,S ERIFI=; .G r Lti s , ii i {i'�Ur �I! it! iJl2 %4> ;i; .G;v,a.• _.:.rr ia. '•ii (c) Coi nlySuile Sheritl, TQ!A,osoff !"c:; File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 do Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. To: Harry D. Rinehart 178 Labor Camp Road Gardner, PA 17324 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY RICHARD J. NALBANDIAN, III, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Cumberland County, Prothonotary File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, • Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. To: Harry D. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY RICHARD J. NALBANDIAN, III, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. I I q Cumberland County, Prothonotary File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 c/o Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. To: Joann K. Rinehart 178 Labor Camp Road Gardner, PA 17324 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY RICHARD J. NALBANDIAN, III, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Cumberland County, Prothonotary File No. 14569-13-12272 PARKER McCAY P.A. By: Richard J. Nalbandian, III, Esquire Attorney ID #312653 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc. ASSET-BACKED CERTIFICATES, SERIES 2007-4 do Specialized Loan Servicing LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, v. Harry D. Rinehart and Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 Defendants. To: Joann K. Rinehart 3 Timber Lane Mount Holly Springs, PA 17065 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 14-5969 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY RICHARD J. NALBANDIAN, III, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Cumberland County, Prothonotary