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HomeMy WebLinkAbout14-6665 Supreme Cour.t`ci i ennsylvania Co'lH 1'x ovf7 "CoinmA pleas For,Prothonotai ty Use Only >f-i< G li over Sheet Cumberland N Docket No: County S ' The information collected on ?itis form is used solely for court administration purposes. 71is form does not supplement or replace the filing and ser vice o/•pleadings or other papers as requiredby lan,or rules o court. Commencement of Action: S 8 Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiff's Name: tread Defendant's Namc: The Bank of New York Mellon et al Christina Bates Dollar Amount Requested: ❑within arbitration limits Are money damages requested? 0 Yes CT No (check one) ❑outside arbitration limits N Is this a Class Action Suit? E] Yes ] No Is this an.MDJ Appeal? 0 Yes ® No A Narne of Plaintiff/Appellant's Attorney: Riche-Nalbandan;E e 0 Check here if you have no attorney(are a Self-.Represented pPro Se Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORI'(do not inchs*Uoss ran) CONTRACT tdo no/inclueleJudgMCWs) 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 S ❑ Premises Uability S _ _ _ _ ❑❑ Product Liability(does not inrhrdc Statutory Appeal:Other mars 10)1) ❑ Employment Dispute: E ❑ Slander/Libel/Defamation Discrimination C ❑ Other. ❑ 'Employment Dispute:Other ❑ Zoning Board T ---_ ❑ Other: . ❑ Other: © MASS TORI ❑ Asbestos _ N ❑ Tobacco ❑ Toxic Tort-DES _ ❑ Toxic Tort-Implant READ PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ (Ejectment ❑ Common 1.aw/Statutory Arbitration B ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment - ------- ---- ❑ Ground Rent ❑ Mandamus -- -- - ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations 163 Mortgage Foreclosure:Residential Restraining Order PRO('ESSIONAL LIABLITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Dental ❑ Par-tition ❑ 'Replevin ❑ lvegal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: __._ updated 1/1/1011 n File No. 14517-12-07622/ 14517-0118 4"tLI.D-C�F�'IC, PARKER McCAY P.A. O T1,� i'f;sJ�C!30't0TARY By: Richard J. Nalbandian III Esquire 2r 1�fi,,0V I I FtJ 1: 3 Attorney ID #312653 9000 Midlantic Drive Suite 300 CUM9, rE 'LAt,0.00UNTY P.O. Box 5054 (3EtdtiSYL1�'AI�iA Mount Laurel,NJ 08054-1.539 (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 CUMBERLA D COUNT Certificateholders of the CWABS, Inc., NO. �� s �� Asset-Backed Certificates, Series 2006- 23 345 St. Peter Street 1100 Landmark Towers St. Paul, MN 55102 Plaintiff, V. CIVIL ACTION J.K. Meyers Contracting, LLC and Christina Bates and MORTGAGE FORECLOSURE Roy A. Bates 315 Ponderosa Road Carlisle, PA 17013 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 importa to you. 6 a � a y t -.z� ��'2 YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT .HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania Telephone No. 249-3166 d P 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 si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier surra 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 USTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME A VAYA A LA SIGUEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania Telephone No. 249-3166 File No. 14517-12-07622 / 14517-0118 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 2006- 23 345 St. Peter Street 1100 Landmark Towers St. Paul, MN 55102 Plaintiff, V. CIVIL ACTION J.K. Meyers Contracting, LLC and Christina Bates and MORTGAGE FORECLOSURE Roy A. Bates 315 Ponderosa Road Carlisle, PA 17013 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 2006- 23 (the "Plaintiff"), c/o Green Tree Servicing at 345 St. Peter Street, 1100 Landmark Towers, St Paul, MN 55102. 2. Defendants, Christina Bates and Roy A. Bates (hereinafter referred to as "Defendants") are adult individuals and are the real owners of the property hereinafter described. 3. Upon information and belief, Defendant, Christina Bates, resides at 47 Old Trail Road, Liverpool, PA 17045. 4. Upon information and belief, the last known address of Defendant, Roy A. Bates, is 4640 South Salem Church Road, Dover, PA 17315. 5. J.K. Meyers Contracting, LLC is a business with the last known address of 315 Ponderosa Road, Carlisle, PA 17013. 6. On October 10, 2006 in consideration of a loan in the principal amount of $184,300.00, Defendants, Christina Bates and Roy A. Bates executed and delivered to Concorde Acceptance Corp. an adjustable rate note (the "Note") with an initial interest rate at 9.550% per annum, and initial monthly payments of$1,556.42, commencing on December 1, 2006, and continuing each month until the maturity date of November 1, 2036. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit"A". 7. To secure the obligations under the Note, Defendants, Christina Bates and Roy A. Bates, executed and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for Concorde Acceptance Corp., a mortgage (the "Mortgage") dated October 10, 2006, and recorded on October 13, 2006, in the Recorder of Deeds in and for the County of Cumberland in Book 1969, Page 2067. A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit`B". 8. An Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc., as nominee for Concorde Acceptance Corp. 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 2006-23, was recorded on October 19, 2011, in the Cumberland County Recorder of Deeds Instrument#201128892. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 9. The Mortgage secures the following real property (the "Mortgaged Premises"): 315 Ponderosa Road, Carlisle, PA 17013. A copy of the legal description of the Mortgaged Premises is attached hereto and made a part hereof as Exhibit"D". 10. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due April 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. 11. The following amounts are due on the Mortgage and Note: Balance of Principal $207,843.06 Accrued but Unpaid Interest from $51,683.42 03/01/2009 to 10/8/2014 @ 3.625 % Escrow Advance $29,069.98 Title Search Fees $350.00 Reasonable Attorney's Fees $2,350.00 Corporate Advance $2,181.39 TOTAL as of October 8, 2014 $293,477.85 Plus, the following amounts accrued after October 8, 2014: Interest at the current Rate of 3.62500% per annum ($54.39 per diem); late charges of 5.000% 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. 12. 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. 13. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, Act 6 of 1974, has been sent to the Defendants, on January 24, 2012, via certified and regular mail, in accordance with the requirements of the Act. True and correct copies of such notices are 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 11,namely, $293,477.85, plus the following amounts accruing after October 8, 2014, to the date of judgment: (a) interest of$54.39 per diem; (b) late charges of 5.000% on any overdue payment of principal and interest per month; (c)plus interest at the legal rate allowed 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. P ERMcCAY P.A. Dated: '+ By: PAILII —� Richard J. Nalbandian, III, Esquire Attorney for Plaintiff VERIFICATION I, Kindra Denny,hereby certify that I am a Foreclosure Specialist of Green Tree Servicing LLC and am authorized to make this verification as attorney-in fact for 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 2006-23s 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: Kindra Denny Title: Foreclosure Specialist Green Tree Servicing LLC attorney-in-fact for 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 2006-23 PMC File No. 14517-12-07622 / 14517-0118 Defendant Name: Christina Bates and Roy A. Bates Property: 315 Ponderosa Road Carlisle, PA 17013_ EXHIBIT "A" ADJUSTABLE RATE NOTE (LIBOR Six-Mouth Index As Published--- The ball Street Journal}--Rate Caps) Loan No: 0000111314 THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LXlMTS TIE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND T)IE MAXIMUM RATE I MUST PAY. October 10, 2006 CAMP HILI Pennsylvania (Dote] (City] [State] 315 Ponderosa Road, Carlisle, PA 17013 [PropertyAddress] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 184,300.00 (this amount is called "Principal"),plus interest,to the order of Lender. Lender is Concorde Acceptance corporation I will make all payments under this Note in the form of cash,check or money order. I understand that Lender may transfer this Note. 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 oil unpaid principal until the full amount of Principal has been,paid..I will pay interest at a yearly rate of 9.550 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and atter any default described in Section 7(13)of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the first day of each month beginning on December, 2006 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 Noventer I t 2036 ,I still owe amounts under this Note,I will pay those amounts in full on that date,which is called the"Maturity Date." I will make my monthly payments at Concorde Acceptance Corporation, 7929 Brookriver Drive #500, Dallas, TX 75247 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S.$ 1,556.42 This amount may change. (C) Monthly Payment Changes Changes in zany monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. IN'T'EREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the fust day of Novegt�bex', 2008 and on that day every 6th month thereafter. Each date on which buy interest rate could change is called a"Chang�ejl7ate" _MIN: 100138100001113142 Initials 6 MWdstateA,djustabtc Ratl!Nott--)L)$OR Shc-Month ladcx tas pubtisbcd in 7rie WaQSrreetlouma0—SinrJe Fenny— Form 3520 uiiui 100 Faonic Mee UI WORM INSI'RUM NTF Page 1 of 4 AW SQlu ,Inm —THE COMPLIANCE SOURCF,INC.— OZOOO,ThcCOmplf•�Sows,Ino WWW.0DfM1jR1=$ f0E=M Load No: 000011131.4 (B) The Index Beginning with,the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S.dollar-denominated deposits in the London market("LIBOR"),as published io The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) . Calculation of Changes Before each Change Date,the Note Holder will calculate my new interest rate by adding seven and 550/1000ths percentage point(s)( 7.550 %)to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the fust Change Date will not be greater than 11.050 %or less than 9.550 %. Thereafter, my interest rate will never be increased or decreased on any single Change by more than one and 500/10001ths percentage points) ( 1.500 %)the rate of interest I have been paying the preceding sax months. My interest rate will never be greater than 16.550 %. , or less than 9.550 . (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the 'amount of my monthly payment changes again. ()F') Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question 1 may have regarding the notice. S. RoRROWERIS RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a"Prepayment."When I make a Prepayment,I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However,the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. if I make a partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the fust Cbange Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law,which applies to this loan and which sets maximum loan charges,is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted 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 that 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. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments 15 calendar If the Note Holder has not received the full amount of any monthly payment by the end of days after the date it is due,I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each a late payment. _MIN: 10013$100001113142 Initials: M.tdtistateAdjustablC Rate?Vote—LIBOR Slx,Month Index(as published in The WallYiref'burha}—single xaniay— Foy 3520 001/09 00 I+annieMaeUNWORMINSTRUN.WNT Page.2 of4 MUM—THE COMPLIANCE SOURCE,INC,- �pl�1p��pwpw ����mmpp pnryryNN y �A 62000.Th;Compliance Sourcc,lne, www.como3bnoewurce.com I11PlIW111111IM11111111 Ican No: 0000111314 (B) Default if I do not pay the full amount of each monthly payment on the date it is due,I will be in default. (C) Notice of Default If I am in default,the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means, (D) No Waiver By Note Holder EveD if,at a time when I am in default,the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have the right to do so if I am in default at a later time. (E) .Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include,for example,reasonable attorneys'fees. 8. 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. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER TMS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor,surety or endorser of this Note,is also obligated to keep all of the promises made.in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS 1 and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor"means the right to require the Note Bolder to give notice to other persons that amounts due have not been paid. 11. UNIFOI M SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note,a Mortgage,Deed of Trust,or Security Deed(the"Security Instrument"),dated the same date as this Note,protects the Note Holder from possible losses that might result if I do not keep the promises that 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 read as follows: 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 suras secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if, (a)Borrower causes to be submitted to Lender information required by Lender to evaluate; the intended transferee as if a new loan were being made to the transferee; and (b)Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Fender. MIN: 100138100001113142 Initials: ✓`"' pfuftistate Adjustable Rate Note—LIBOR Six-Month index(as published in Do N'df 5lred Jnurnuly—Single Family Form 3520 001 Fannie Nlae UNIFORM INSTRUMENT Page 3 of a 37723MU 09M --TRE COMPLIANCE SOURCE,INC.— Ip�pi �'ll�m�� 02000,The Compliance Source,enc. www.vvmplianccmvmc.com II�IIIi� �Il I� To the extent permitted by Applicable Law,Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full., 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. WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED, (Seal) (?4&dtf&A (Seal) RQy A. Bates -Borrower Christim Bates -Borrower SSN: 285-58-3917 SSN: 176-56-1417 (Seal) (Seal) -Borrower -Borrower [Sign Original Only] Pay to the order of Pay to the ordtr at I~nuDz8v de Home t ears I c WMM Ret*=e v11ltt►aut Roca me Countrywide EanK NA. CCttntlymdo Home Loans,lne. 8yt Br Laurie Medar,SVP A4t4r�lp S/o/artda .CONH D ACC N ' P ATI EKST, $VICE PRESIDENT-FINANCE Loran No: 0000111314 MIN: 100138100001113142 Msdtistate.Adjustable Rate Note—LIBOR SiOlontlt Index(as published in The Wall ord Jaurn4—Single Fa+zzify— F=0520 01101 Fannie Nbc UNIMRM INSTRUNIEN1' Page 4 of 4 22723MU 09/00 —THE COMPUANCE SOURCE,INC, I��ItYIIIrYEI�W111I��qPe�� 02000,TheCompWnce Sourcc,Inc. www,pompliancewvrec.com I�I� W� u' PREPAYMENT FEE ,ADDENDUM Loan Number: 0000111314 This Prepayment Fee Addendum("Addendum")is made this 10th day of October, 2006 ,and is incorporated into and intended to form a part of the Note dated the same date as this Addendum and also amends and supplements the mortgage,deed of trust, security deed,or security instrument(the"Security Instrument")dated the same date as this Addendum and the Note. To the extent that the provisions of this Addendum are inconsistent with the provisions of the Note and/or the Security Instrument, the provisions of this Addendum shall prevail over and will supercede any inconsistent provisions of the Note and/or the Security Instrument. The section of the Note entitled Borrower's Right to Prepay is amended to read in its entirety as follows: BORROWER'S RIGHT TO PREPAY I have the right to-make payments of Principal at any time before they are due. 'A payment of Principal only is knovm as a"Prepayment." When I make a Prepayment,. l will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. The Note Folder Hill use my Prepayments to reduce the amount of Principal that I owe under this Note. However;the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before appl37ing my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment,there will be no changes in the due date or in the amount of my monthly payment unless the Note Molder agrees in writing to those changes. The Note shall be governed by federal law and the law of the jurisdiction in which the Property is located. if I make a prepayment within two year(s) of the date of my loan, I agree to pay the Note Holder a prepayment fee. The prepay=nt fee I will pay shall be an amount equal to six (6) months' advance interest on the amount of the prepayment at the *time of the prepayment. A prepayment shall occur when a papment, when added to all other amounts prepaid during the twelve (12) month period imediately preceding the date of the prepatent, exceeds twenty percent (20%) of the original principal amount of this Note. I will not he obligated to pay a prepayment fee if I make a prepayment at any time after the 2nd anniversary of the date of my loan. In no event will such a charge be rrrade if it violates state or federal law. WITNESS THE HAND(S)AND SEAL(S)OF TAB UNDERSIGNED. (Seal) (Seal) A• Bates -Borrower Chkisti na Bates Borrower (Seal) (Seal) •Borrow« -Borrower [Sign Original Only] Custom Prepayment Fec Addendum(AluMsuite.) 11111111101UIFIRi� —TM COAWUANCE SOURCE,INC.— page r of t The CMU anO t�Rn.07A� w w.compyuweso='Com 04004,isle Comp>;sntt�OVroe,Irrc. EXHIBIT "B" r 37530 R;`7RT P. ZHECLEM Prepared By: ` EOCRCEP OF DEED^ [Company Name) PQUO A1C T 13 PM 2 36 [Name of Natural Person] [Street Addrsw) [City, Sara 21p Code) [Telephone Numbed After recording please return to: Concorde Acceptance Corporation [Company Name] Attn: Servllic' Dept. [Name of Natural Pe 7929 Brookriver Drive #500 [StreetAddrew) Dallas, TX 75247 [City State Zip Code] [Telephone Number) UPUPIN/Tax ID: [Space dbove 7Ris Mw For Recon 1bW Dau+) MORTGAGE MIN 100138100001113142 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 October 10, 2006 ,together with all Riders to this document, Loan No: 0000111314 Pennoyivanta Mortgage•Scigle Family-Fanoit MadFrsddic Mae UNIFORM INSTRUMENT MERS Modified Form 3039 OLVI --THE COMPLIANCE SOURCE,INC— Page 1 of It 14M?A am Rev,W" a+r,wmoiw aoetwnz mm 02003,The Coa;Ibk Saaae,lac U�z BK ! 969PG2067 01/31/2014 9:47:20 AM CUMBERLAND COUNTY lnst.tl 200637530-Page 1 of 18 (B) "Borrower"is Roy A. Bates and Christina Bates, hUSband and wife Borrower is the mortgagor under this Security Instrument. (C) "MFRS"is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MFRS Is the mortgagee wader 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-MFRS. (D) "Lender"is Concorde Acceptance Corporation Lender is a corporation organized and existing under the laws of T . Lender's address is 7929 Brookriver Drive #500, Dallas, TX 75247 (E) "Note" means the promissory note signed by Borrower and dated Octzber 10, 2006 . The Note W $orrower owes Lender one hundred eighty four thousand three hundred and I� 0 Dollars (U.S. S 184,300.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fiill not later than Novetrber 1, 2036 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property.11 (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]; ] Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider ❑ 3-4 Family Rider ❑ Revocable Trust Rider ❑ Other(s)[sped] (1) "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. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,or similar paper instrument,which is initiated through an electronic terminal,telephonic instrument,computer, or magnetic tape so as to order, instruct,or authorize it fmancial 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 byy telephone,wire transfers,and automated clearinghouse transfers. A (�Y Loan No0 : 0000111314 Peanrylvania Mortgagc-Singe FamilyFaonk Mae/Freddle Mac UNIFORM INSTRUMEW MERS Modtlied Form 3039 01M —I'M COMPUANC,SOURCE,INC.— Page 2 or 14 ts>♦aTA�a., a�5 *^rw.000�lineerow¢,mm �� � OM,Tbo Caa"kme Baro.lac. OKI969PG2068 01/31/2014 9:47:20 AM CUMBERLAND COUNTY InstA 200637530-Page 2 of 18 (L} "Escrow Items"means those items that an 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. (N) "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. §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 parry that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i)the repayment of the Loan,and all renewals,extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage,grant and convey to MFRS(solely as nominee for Lender and Lender's successors and assigns)and to the successors and assigns of MERS the following described property located in the County of Ct n berland Tax Parcel ID No: [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] See Exhibit "A" attached hereto and made a part hereof, which currently has the address of 315 Ponderotsa Road [Street] Carlisle Pennsylvania 17013 ("Property Address"): [City] [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MFRS(as nominee for Lender and Lender's successors and assigns)has the right: to exercise any or all of those interests,including,but not lim#J to,the t Ivan Not 0000111314 Peontylvaola Mortgage-SN]e Fam4-Fanote rtoNFree}de Mac UNDURM INSTRUMENT MFRS WNW Fora 011@l —Tac COMPLIANCE SOURCE,INC.— Page 3 ot 14 iwsM �.hws ww.wmplkoatwust.mm I� � om",rk swum.Im INI969PG2069 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 3 of 18 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 lawfully seised of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered,except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: I. 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 madeim U.S.currency. However,if any check or other instrument received by Lender as payment under the Note or this Security Instrument is roturned 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;(e)certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality,or entity;or(d)Electronic Funds Trimsfer. 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 laic 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 late charges due. Voluntary prepayments shall be applied fist to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note,until the Note is paid in full,a sum(the"Funds")to provide for payment of amounts due for:(a)taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance the Loan NO: 0000111314 Pcenrylvada Mortgage-Single Family Fanoie MaeJFrcddle Mae UNIFORM INSTRUMENT MERS Modified Fora 303!OI/01 —THC COMPLIANCE .Com;INC. Page 4 of 14 t41 M OM as QM a�•+',coapinaoe wurcc.00m ams'Tte eOeas Sarin.loc. BKI969PG2070 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 4 of 18 Property; (b) leasehold payments or ground rents on the Propaty, 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 fiunisli to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Leader 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, shalt 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 fixture 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 We 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. 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 Instram t. If Loan No 0000111314 Peonayivanta Mortzme-Single Family-Fanuie MeeiFreddfe Mae UNrMKM INSTRUML"IT NIERS Mcdowd Fora 303991/01 —THE COMPLIANCE SOVOCE,INC.— Pane S r1 Iaat►"gFIs wmveooyfioaewuw.mm 020D5,The Ca�l'sam satSwcum an,lis. 5KI969PG207I . 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 5 of 18 Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or 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. S. 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 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 fik,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,13077 by,; Loan No 0000111314 Pcaosyivanis Mortgage-Single Family-Fanaie Moe(Freddie Mac LWHORM INSTRUMENT MFRS Modfkd Form 3039 01/01 —THE COMPLIANCE SOURCE,INC— Page 6 of 14 Iu.ttA"Mn. ROW wwv.00,op4apcewwm.wm - �� 02W5,no c ffloiwe sm.-_I=, 81969PG2072 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst#200637530-Page 6 of 18 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 refimd of unearned premiums paid by Borrower)under all insurance policies coveting 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 Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section S that repair or restoration is not economically feasible, Borrower shall promptly repair the Property If damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to,or the taking of,the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not suffrcicnt to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if;during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a)Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b)there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this 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. A this Security Instrument is on a leasebold,Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property,the leasebold and the fee title shall not merge unless Lender agrees to the merger in writing. 0 Loan No: 0000111319 Penarylraoio Mortgage-Single Family-Fannie Mae/Fmddie Mat UNIFORM INSTRUMENT MERS ModMed Form an.8101 --Ta$COMFIL LA14CE SOURCE INC.— Page 7 or 14 �o C m w+ 8mv,be. ,vww.owflpli,roe,ova.aom � � tr200S,7'he Campliuoe loavia 1m. 6KI969PG2073 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637630-Page 7 of 18 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. Il; for any reason, the Mortgage insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of 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-rcfemdable 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 finds 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 refold of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. if the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not econofnicall Loan No: 0000111314 �j Pennoyivaota Mortgage-Single Family-Faonic MadFrtddle Mac UNIFORM INSTRUMENT MFRS Modified Form 3034 01/01 TaE COMPLIANCE SOURCE,INC.— Page 8 or 14 1001 PA OM PAV."Mw�a.mrryl►ooc�arvo.mm � C=%Tice Comp�uae Sauroe.ter. SKI 969PG2074 01131/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 8 of 18 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&nater 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 stuns secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower,or it;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 sectored by this Security instrument,whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the parry 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 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. Iraan No 0000111314 Penneyiranis Mortgagc-Single Family-Fanole MadFreddic Mac UNMRM INMUMENT MFRS Meditkd Form 303981!+11 —THE COM►LANCE SOURCE,INC.— Page 9 of 14 14"1 as am R"•"M .,.n..oeeplLoce,oum.00m 000n TheCWOt SMNM hr SK 1969PG2075' 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 9 of 18 Subject to the provisions of Section 18, any Successor in Interest of Borrower who assume 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 defauh, 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 expres*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 cormection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's chasnge of address. If Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in cormection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a)words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender;(b)words in the singular 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 wriuen�onsfgty� Loan No 0000111319 � (�/*�-!'' Peoutytvanis Mortgage-Singie Family-Fannie Mgeyrcddic Mac tJK"RM INSTRUMENT MFRS Modkkd Fors 3039 01/01 —TUE COMPLIANCE SOURCE,INC.— Page 10 of 14 14301MgM an.QM .rww,po¢plitquowne.mm I��� 020oS.77e Compllwvoc Swo4 lm. BK1969PG2076 01/3112014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 10 of 18 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 stuns prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a)five days before sale of the Property pursuant to any power of sale contained in this Security Instrument;(b)such other period as Applicable Law might specify for the termination of Borrower's right to reinstate;or(c)entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration bad 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, 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 IS. 20. Sale of Note; Change of Loan Servicer; Notice of Grievauee. 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 af, 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 reasonabie 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 IS 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,on 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 actrpn, Loan No 0000111314 PennWvanla Mortgage-ShI)c family-Fannie Mat/Frsddte Mae UNFMRM INSTRUMufr MFRS ModHkd Form 303!OINI —Tee COMHdA14CE SOURCE,INC Page 11 of 21 14M PA MAa F"•atMM —emtpfi.= va.aom 01005.TMc Co�lieoe Sa+as.Is. BKI969PG2077 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 11 of 1a 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). 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 authority,or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section l$ 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 cared;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 rigbt 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 sad foreclosure. If the default is not cured as specified,Lender at Its option may require immediate payment in full of all same 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 rekeses 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 how Prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. _Loan NO: 0000111314 Pennsylvania Mortgage-Single Family-Fanase Mae/Freddie Mac UNIFORM INMUMENT MERS Mod fW Form 3039 01191 —THE COMPLIANCE SOME,INC— Page 12 of 14 14301rAtMAm"45 www.woplYooeioura.wm ��� *Ms.rm cemplimo Sousa Ise. 9KI969PG2078 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200537530-Page 12 of 18 ISlgnetures on FoOowrrg Pegs) 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. A. (Sea)) Rc7y JV Bates Borrower [Prinied N—j (Seal) 'Christina Bates Bomar (PrintedNamej (Seal) -Borrower [Printed Narael (Seal) -Borrower [Printed Nanef Certificate of Residence: VWe do hereby certify that the precise address of the within named mortgagee,assignee or person entitled to interest is "7 cjZ9 &s—Ok-6Z �eLk- -,DL , -�, Di� TK -752-7 OMMONWE T b �1NS LV fA NotarisISeal �'- Stacy M.Omer,Notary Public Lower Allen 71vp.,Cumberland County MY Commission Expires Nov.2,2008 By: Member,PennWvania Asemlaflon of NoWee Title: K o [Acknowledgment on Fo#owklg Page] Loan NO: 0000111314 Penerylvanla Mortgage-Single Fsmly-Fannie MadFreddk Mac UNIFORM INSTRUMLPIT MERS ModUkd Fora 3039 801 —T'HE COMPLIANCE SOURCE,INC.— Page 13 of 14 {� 14M?A nW Mm 0*" w�v.¢muQlinondra.oum � OIODS,TM Caeylluoe�S lac. 8KI969PG2079 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 13 of 18 State of T,A, g County of �ti § On this,the %a day of 2-oo�.. ,before me the undersigned officer,personally appeared Roy A. Bates and Christina Bates ]mown to me (or satisfactorily proven) to be the person(s) whose name(s)Ware subscribed to the within instrument, and acknowledged that he/shetthey executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seal. Signature (Sea]) Tide of Offs j;jj VANIA NI tary public berland County s Nov.2,2008 Pennsylvania AsaWagm of Notaries Loan No: 0000111314 Peaosylvau/a Mortgage-Single Family-Foonic MaefFmddie Mac UNMRM INSTRUMENT MFRS Modified Fora 30M 0101 —M COMPLIANCE SOURCE,INC.-- Page 14 of 14 twin►ssyM aa►"M anrw.00rpliaawrm.mm QM The Comoliera$arae,W- 8K 1969PG2080 , 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 14 of 18 ADJUSTABLE RATE RIDER (LIBOR Six-Month Index (As Published In The Wall Street Journal}-Rate Caps) Doan NO: 0000111314 MIN: 100138100001113142 TIES ADJUSTABLE RATE RIDER is made this 10th day of October, 2006 ,and is incorporated into and shall be deemed to amend and supplement the Mortgage,Deed of Trust,or Security Deed(the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note(the"Note")to Concorde A xLeptance Corporation ("Lender") of the same date and covering the property described in the Security Instrument and located at: 315 Ponderosa Road, Carlisle, PA 17013 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument,Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 9.550 %. The Note provides for changes in the interest rate and the monthly payments,as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Date$ The interest rate I will pay may change on the first day of November, 2008 ,and on that day every 6th month thereafter. Each date on which my interest rate could change is called a"Change Date." (B) TbeIndex Beginning with the fust Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S.dollar-denominated deposits in the London market("LIBOR"), as published in The Wall Street Journal. The most recent Index figure available as of the fast business day of the month immediately preceding the month in which the Change Date occurs is called the"Current Index" Initials: mzx Multiriate Anil ustable Rate Rider—LIBOR Sis-Mootb lodes(As Pubtisbed In ThE WALL STREET JOURNAL)- Form 3136 I/01 Single Family—Fannie Mac Uniform Instrument --TRE COMPLMNCE SOURCE,INC.— Page 1 of 3 24630M QFW rr rw.ec+rtQlbnawuoe.mm ® 02000,The Cowthow Sowm b- SKI 969PG208 ! 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 15 of 18 If the Index is no longer available,the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date,the Note Holder will calculate my new interest rate by addingeven and 550/1000ths percentage points( 7.550 %)to the Current Index, The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point(0.125%). Subject to the limits stated in Section 4(D) below,this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate i am required to pay at the fust Change Date will not be greater 11.050 % or less than 9.550 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than one and 500/1000ths percentage points( 1.500 %) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than 16.550 %* (E) Effective Date of Changes * or less than 9.550 % My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question 1 may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Security Instrument is amended to read as follows: 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. Lender also shall not exercise this option if. (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the Loan No: 0000111314 Initials: Multistate Adjustable Rate Rider—LIBOR Six-Month Index(As Published In TRE WALL STREET J0VRlV,f1.)• Form 3138 1/01 Single Family—Fannie Mae Uniform instrument —TnE COMPLIANCE SOURCE,INC-- Page 2 of d 21624MU"M w ."niphatic"ou—com C2000.The Compliunoe Soup.Inc. 9Ki969PG20-82 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200637530-Page 16 of 18 intended transferee as if a new loan were being made to the transferee; and(b)Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, 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. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. (Seal) �) Bates -Borrower - Christina na lktet3 -Borrower (Seal) (Sea)) -Borrower _Borrower Loan No: 0000111314 Multistate Adjustable Rate Rider--LIBOR Six-Month Index(As Published In THE WALL STREET JOURNAL)- Form 3138 1/01 Single Funny—Fannie Mx tinitorm Instrument —TNE CommiANCE SouRCE,lxc— Page 3 of 3 24624MU"M www=rnpl remunc.com 01000.The Comprnna Sou=.Inc. I Certify this to be recorded In Cumberland County PA Recorder of Deeds 8K i 969PG2083 01/31/2014 9:47:20 AM CUMBERLAND COUNTY Inst.#200837530-Page 17 of 18 EXHIBIT "C" Recording Requested By: Bank of America Prepared By: Srbui Muradyan 00 VLP 888-603-9011 450 E. Boundary St. Chapin,SC 29036 When recorded mail to: CoreLogic 450 E. Boundary St. Attn: Release Dept. Chapin,SC 29036 I IIINIBDI IIlIIlIIII IIIlI IIIIIIIIII VIII Illllllil NII Doc1D0 46013194546772238 Tax ID: 14-05-0421-019 Property Address: 315 Ponderosa Rd Carlisle,PA 17015-9519 Property Location: Township of FRANKFORD PAC-A}1 15388015 WIW I This space for Recorder's use MIN#: 100138100001113142 MERS Phone#: 888-679-6377 ASSIGNMENT OF MORTGAGE For Value Received,the undersigned holder of a Mortgage(herein''Assignor")whose address is 3300 S.W.34th Avenue,Suite 101 Ocala,FL 34474 does hereby grant,sell,assign,transfer and convey unto THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWA.BS,INC.,ASSET-BACKED CERTIFICATES,SERIES 2006-23 whose address is 101 BARCLAY ST-4W,NEW YORK,NY 10286 all beneficial interest under that certain Mortgage described below together with the note(s)and obligations therein described and the money due and to become due thereon with interest and all rights accrued or to accrue under said Mortgage. Original Lender: CONCORDE ACCEPTANCE CORPORATION Mortgagor(s): ROY A. BATES AND CHRISTINA BATES,HUSBAND AND WIFE Date of Mortgage: 10/10/2006 Original Loan Amount: $184,300.00 Recorded in Cumberland County,PA on: 10/13/2006,book 1969,page 2067 and instrument number NIA '11tis Mortgage has not been assigned unless otherwise stated below: 1N WITNESS WHEREOF,the undersigned has caused this Assignment of Mortgage to be executed on MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. By: Ctij er vMgs —sls 01/31/2014 9:47:46 AM CUMBERLAND COUNTY Inst.#201128892-Page 1 of 3 State of California County of Ventura On A-, (zpt before me,�Q�J� Notary Public,personally appeared who proved to me on the basisfs satisfactory evidence to be the person}whose name(@)is/ere subscribed to the within instrument and acknowledged to me that he/site/dnry executed the same in his/*er/Lkir authorized capacity (ies),and that by h isilw/t#reir signature(s)on the instrument the person(re),or the entity upon behalf of which the person(.P)acted,executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. QEE ANN N4ESTFALL CORTES Commisslon#1805013 Notary Public•California Notary ublic: __. (Seal} Las Angeles County My Commissior,Expires, My Comm,Expires Jul 1,2012 I hereby certify that the address of the within named assignee is: 400 NATIONAL WAY,SIMI VALLEY,CA 93065 Signature -- Doc[D# 45321571308634147 01/31/2014 9:47:46 AM CUMBERLAND COUNTY Inst.#201128892-Page 2 of 3 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201128892 Recorded On 10/19/2011 At 11:47.24 AM *Total Pages-3 *Instrument Type-ASSIGNMENT OF MOR'I'GAGE Invoice Number-95201 User W-KW *Mortgagor-BATES,ROY A *Mortgagee-CWABS INC *Customer-CORELOGIC FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23,50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2. 00 ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA �y ct cup e RECORDER U 1) . .DS trao *•Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 003VLP 114I111i11J1�I Illlillil111 01/31/2014 9:47:46 AM CUMBERLAND COUNTY Inst.*201128892-Page 3 of 3 EXHIBIT "D" REF.NO: REF.NO.: LEGAL DESCRIPTION PROPERTY DESCRIPTION: 315 Ponderosa Road aka Township Road No, 548 Township of Lower Frankford, PA Parcel(s) 14-05-0421-019, Township of Lower Frankford, Cumberland County Mailing Address:Po Box 280, Dauphin, PA ALL THAT CERTAIN tract of land situate in Lower yrankford Township, Cumberland County, Pennsylvania, bounded and described pursuant to a COMPASS aurw®y by Thomas A. Nsff, Registered Surveyor, on aazuary 30, 1964, as follows; BEGINNING at a spike in the center of Township Rodd, No, 548, thence by the center line of said 'township Road for the greater Part Of said call, Forth 23 degrees 45 minutes East 554.29 feet to a stake to Eastward of said Township Road; thsncs by land formerly of the heirs of Margaret Hoffman, now or foxmerly of Mervin Jacobs, South 52 degrees 51 Minutes 10 Second& East 524.05 feet to an iron pin; thence by land being retained by the Grantors, south 74 degrees 38 minutes West 679.64 feat to the Place of Beginning. CONTAINING 3,355 acres, more or less -3- EXHIBIT "E" Speclonn Servicing lLC Pg 1 of 4 P 0,Box 636005 U,Waton,CO 80163-6005 1.800-3 i 5-4S!S(4?57! + 0362910 000000033 09FCD2 006E49a CHRISTINA BATES 729 VLY ST APT A MARYSVILLE PA 17053-9785 I�II111��1�1�111���1111�•III�I�„I1��1���11��„�I„�„II1111�11�� January 24, 2012 Re: SLS Loan Number: 1005523279 Property Address: 315 Ponderosa Rd Carlisle,PA 17013 Notice of Default and Notice of Intent to Foreclose Dear Christina Bates, The Note on the above-referenced loan is now in default as a result of your failure to pay the 04/01/09 payment and the payments due each month thereafter, as provided for in said Note. You are hereby notified that to cure such default you are required to pay to this office all past due payments plus late charges and any payments that may become due between the date of this notice and the date the default is cured. The amount required to cure the arrears as of 01/24/12 is$61,012.60. This amount cannot be relied upon for payment. You have thirty-three(33)calendar days from the date of this letter to cure the default. We urge you to immediately, upon receipt of this letter, contact our Customer Assistance Department at the number provided below to obtain the updated amount required to reinstate your loan. Failure to pay the total amount due under the terms and conditions of your Deed of Trust/Mortgage by 02/26/12 may result in acceleration of the entire balance outstanding under the Note including, but not limited to,the principal, interest and all other outstanding charges and costs,and commencement of _S foreclosure of the Trust Deed/Mortgage which is security for your Note. Please be advised that any extension of time or forbearance in the exercising of any right or remedy as provided for in the Deed of Trust/Mortgage shall not constitute a waiver of or preclude the exercising of any right or remedy. You have the right to reinstate the Note after acceleration as provided by law and you have the right to bring court action to assert the nonexistence of default or any other defense you have to acceleration and sale. If your loan is not brought current, inspections of your property will be made and you will be assessed fees for that purpose as permitted under state law. Additionally, if your property is found to be vacant and unsecured, the mortgage holder will have it secured and will charge you for the cost of securing. You may also be liable for reasonable attorney fees and costs incurred in connection with any proceedings on the Note and Trust Deed and such other costs as may be allowed by law. In addition, you may be liable for any deficiency that may be established as a result of the foreclosure action unless precluded by a bankruptcy discharge. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910 000000033 09FCD2 0068498 Pg 2 of In.accordance with the Fair Debt Collection Practices Act,vou are hereby J!iven notice of the following: 1. Although you are not required to pay the total debt(or balance) of the Account prior to its maturity or acceleration, federal law requires Specialized Loan Servicing LLC to provide you with the amount of the debt. As of 01/24/12, the amount of the unpaid principal balance is $207,843.06. This letter is in no way intended as a payoff statement and you must not rely upon this letter for purposes of paying off your mortgage. 2. Specialized Loan Servicing LLC is the current servicer which represents the creditor to whom the debt is owed.If you request in writing within thirty(30)calendar days after you receive this notice,we will provide you with the name and address of the original creditor if different than the current creditor. 3. Unless within 30 days after you receive this notice you dispute the validity of the debt or a portion thereof,the debt will be assumed to be valid. If you notify us in writing within 30 days after you receive this notice that you dispute the debt or a portion thereof,we will obtain and mail to you verification of the debt. 4. Please be advised that this letter is an attempt to collect a debt and any information obtained will be used for that purpose. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt, please be advised that this letter constitutes neither a demand for payment of the captioned debt nor a notice of personal liability to any recipient hereof who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. If you believe that you are entitled to the benefits as outlined in the Service members' Civil Relief Act, you should promptly provide us with evidence of your active duty status. Specialized Loan Servicing LLC would like you to be aware that if you are unable to make payments or resume payments within a reasonable period of time due to a reduction in your income resulting from a loss or reduction in your employment, you may be eligible for Homeownership Counseling. Please contact the HUD toll free number(800-56911287) to obtain a list of HUD approved nonprofit organizations serving your area. If you have any questions,regarding this letter,please contact SLS at 800-306-66062 Monday through Friday, from 7:00 a.m. to 7:00 p.m. (MT). TDD number 800-268-9419 Monday-Friday, from 8:00 a.m. to 5:00 p.m. (MT). SLS requests that all payments be made in certified funds(cashier's check or money order(s))payable to Specialized Loan Servicing LLC and mailed to:Attention: Customer Assistance Department at one of the below addresses(always include your Loan Number with your payment): VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing,LLC Code City:PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number The matters discussed herein are of extreme importance. We trust you will give them appropriate attention. It is the practice and policy of SLS to work with customers that have experienced a hardship. We have many alternative programs available to assist customers in avoiding a foreclosure action. Please visit our website address svwwsls.net for options or feel free to contact Customer Assistance area at 800- 306-66062 where one of our experienced and skilled Agents may assist you. Do not delay. There is help available for most customers. We cannot assist you if you do not contact us.We are committed to providing you with professional and courteous service. We respect our customers,especially those that are having difficulties and will always strive to treat you with the dignity you deserve. SPECIALIZED LOAN SERVICING LLC Customer Assistance Department 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910 000000033 09FCD2 0068498 Pg 3 of 4 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by 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 2006-23 (hereinafter we,us or ours)on your property located at 315 Ponderosa Rd,Carlisle, PA 17013, , IS IN SERIOUS DEFAULT [because you have not made a monthly payment since 03/01/09]. Number of Delinquent Payments: 35 since 04/01/09 $42 176.82 Late Charges Due: $1 639.77 Recoverable Corporate Advances: $345.00 Escrow Advances: $16 807.51 Other Fees: hone J2gy NSF Property Ins ections etc. 43.50 Less:Funds in Una lied Total Amount Due: 0.00$61,012.60 Late charges and other charges have also accrued to this date in the amount of S 1,639.77 and 543.50. The total amount now required to cure this default, or in other words,get caught up in your payments, as of the date of this letter, is S61,012.60. You may cure this default within THIRTY-THREE(33)DAYS of the date of this letter, by paying to us the above amount of 561,012.60, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made to VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing,LLC Code City: PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number If you do not cure the default within THIRTY-THREE(33)DAYS, we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY-THREE(33) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property.If lite mortgage isforeclosed your mortgaged property will be sold by the Slteriff to pe{v off the mortgage' debt.If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you,you will still have to pay the reasonable attorney's fees,actually incurred,up to$50.00. However, if legal proceedings are started against you,you will have to pay the reasonable attorney's fees even if they are over$ 50.00.Any attorney's fees will be added to whatever you owe us,which may also 0 include our reasonable costs. If you cure the default wi.ih.ia the thirty day period,you will not be rewired top ay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have — begun, yore still have the right to cure the default and prevent the sale at any time up to one lour before the Sherif s,foreclosure sale. You may do so by paying the total amount of file isnpaid monthly payments phis any late or other charges then.due, cis well as tate reasonable uttorney's fees and costs connected with lite foreclosure sale(and perform any other requirements under the mortgage T It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately (5)five months from the date of notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 800-306-6062. This payment must be in cash,cashier's check,certified check or money order and made payable to us at the address stated above. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910000 1 000033 09FCD2 0068498 Pg 4 of 4 You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT,OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you care the d fault, the tnortgage will be restored to the sane Position(is if no d fault had occurreiL However,you are not entitled to this right to cure your default more than three times in any calendar year. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 S� Speefelaed Loan Servicing LLC Pg I of 4 8742 Lucent 81vd..Sade 300 Hiyhlonds Rench.CO 80129-2388 1-800-315-4SLS(4757) 7106 7112 1690 1844 5113 t 0362910 000002679 09SCR2 0068495 CHRISTINA BATES 315 PONDEROSA RD CARLISLE PA 17015-9519 January 24, 2012 Re: SLS Loan Number: 1005523279 Property Address: 315 Ponderosa Rd Carlisle, PA 17013 Notice of Default and Notice of Intent to Foreclose Dear Christina Bates, The Note on the above-referenced loan is now in default as a result of your failure to pay the 04/01/09 payment and the payments due each month thereafter, as provided for in said Note. You are hereby notified that to cure such default you are required to pay to this office all past due payments plus late charges and any payments that may become due between the date of this notice and the date the default is cured. The amount required to cure the arrears as of 01/24/12 is$61,012.60. This amount cannot be relied upon for payment. You have thirty-three(33)calendar days from the date of this letter to cure the default. We urge you to immediately, upon receipt of this letter, contact our Customer Assistance = Department at the number provided below to obtain the updated amount required to reinstate your loan. Failure to pay the total amount due under the terms and conditions of your Deed of Trust/Mortgage by 02/26/12 may result in acceleration of the entire balance outstanding under the Note including, but not U limited to,the principal, interest and all other outstanding charges and costs,and commencement of foreclosure of the Trust Deed/Mortgage which is security for your Note. Please be advised that any extension of time or forbearance in the exercising of any right or remedy as provided for in the Deed of Trust/Mortgage shall not constitute a waiver of or preclude the exercising of any right or remedy. You have the right to reinstate the Note after acceleration as provided by law and you have the right to bring court action to assert the nonexistence of default or any other defense you have to acceleration and sale. If your loan is not brought current, inspections of your property will be made and you will be assessed fees for that purpose as permitted under state law.Additionally, if your property is found to be vacant and unsecured, the mortgage holder will have it secured and will charge you for the cost of securing. You may also be liable for reasonable attorney fees and costs incurred in connection with any proceedings on the Note and Trust Deed and such other costs as may be allowed by law. In addition,you may be liable for any deficiency that may be established as a result of the foreclosure action unless precluded by a bankruptcy discharge. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-66062 01/24/12 1005523279 0362910 000002879 09SCR2 0068495 Pg 2 of 4 Ja accordance with the Fair Debt Collection Practices Act you are hereby viv en notice of the o luwm 1. Although you are not required to pay the total debt(or balance) of the Account prior to its maturity or acceleration, federal law requires Specialized Loan Servicing LLC to provide you with the amount of the debt. As of 01/24/12, the amount of the unpaid principal balance is $207,843.06. This letter is in no way intended as a payoff statement and you must not rely upon this letter for purposes of paying off your mortgage. 2. Specialized Loan Servicing LLC is the current servicer which represents the creditor to whom the debt is owed. if you request in writing within thirty(30)calendar days after you receive this notice,we will provide you with the name and address of the original creditor if different than the current creditor. 3. Unless within 30 days after you receive this notice you dispute the validity of the debt or a portion thereof,the debt will be assumed to be valid. if you notify us in writing within 30 days after you receive this notice that you dispute the debt or a portion thereof, we will obtain and mail to you verification of the debt. 4. Please be advised that this letter is an attempt to collect a debt and any information obtained will be used for that purpose. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt, please be advised that this letter constitutes neither a demand for payment of the captioned debt nor a notice of personal liability to any recipient hereof who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. If you believe that you are entitled to the benefits as outlined in the Service members' Civil Relief Act, you should promptly provide us with evidence of your active duty status. Specialized Loan Servicing LLC would like you to be aware that if you are unable to make payments or resume payments within a reasonable period of time due to a reduction in your income resulting from a loss or reduction in your employment, you may be eligible for Homeownership Counseling. Please contact the HUD toll free number(800-56911287) to obtain a list of HUD approved nonprofit organizations serving your area. If you have any questions,regarding this letter, please contact SLS at 800-306-66062 Monday through Friday, from 7:00 a.m. to 7:00 p.m. (MT). TDD number 800-268-9419 Monday -Friday, from 8:00 a.m. to 5:00 p.m. (MT). SLS requests that all payments be made in certified funds(cashier's check or money order(s))payable to Specialized Loan Servicing LLC and mailed to:Attention: Customer Assistance Department at one of the below addresses(always include your Loan Number with,your payment) : VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing, LLC Code City: PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number The matters discussed herein are of extreme importance. We trust you will give them appropriate attention. It is the practice and policy of SLS to work with customers that have experienced a hardship. We have many alternative programs available to assist customers in avoiding a foreclosure action. Please visit our website address www.sis.net for options or feel free to contact Customer Assistance area at 800- 306-66062 where one of our experienced and skilled Agents may assist you. Do not delay. There is help available for most customers.We cannot assist you if you do not contact us.We are committed to providing you with professional and courteous service. We respect our customers, especially those that are having difficulties and will always strive to treat you with the dignity you deserve. SPECIALIZED LOAN SERVICING LLC Customer Assistance Department 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-66062 01/24/12 1005523279 0362910 000002879 09SCR2 0068495 Pg 3 of NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by The Bank of New York Mellon FKA The Bank of New York,as Trustee for the ceftificateholders of the CWABS, Inc., ASSET-BACKED CERTIFICATES, SERIES 2006-23 (hereinafter we,us or ours)on your property located at 315 Ponderosa Rd,Carlisle, PA 17013, , IS IN SERIOUS DEFAULT [because you have not made a monthly payment since 03/01/09]. Number of Delinquent Payments: 35 since 04/01/09 $42 176.82 Late Char es Due: $1 639.77 Recoverable Corporate Advances: Escrow Advance $345.00s: $'16 807.51 Other Fees: hone a 7 NSF Pro left Inspections, etc. $43.50 Less:Funds in Una lied $0.00 Total Amount Due: $61,012.60 Late charges and other charges have also accrued to this date in the amount of S 1,639.77 and 543.50. The total amount now required to cure this default, or in other words,get caught up in your payments, as of the date of this letter, is 561,012.60. You may cure this default within THIRTY-THREE(33)DAYS of the date of this letter, by paying to us the above amount of 561,012.60, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check,certified check or money order, and made to VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing, LLC Code City:PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number If you do not cure the default within THIRTY-THREE(33)DAYS, we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY-THREE(33) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the SherifJ'to pe�Y off the mortgage debt.If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you,you will still have to pay the reasonable attorney's fees,actually incurred,up to$50.00. However, if legal proceedings are started against you,you will have to pay the reasonable attorney's fees even if they are over$50.00.Any attorney's fees will be added to whatever you owe us,which may also =- include our reasonable costs. IfYou cure the default within the thirty day period,you will not be required to pay attorney'sfees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to care the default and prevent the sale at any time up to one hour before the:Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid tnonth.ly payments plus any late or other charges then.due, as well as the reasonable utturney's fees and costs cf.nnected tivi.th the foreclosure sale(and perform any other requirements under the mortgage,J.It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately (5)five months from the date of notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 800-306-66062. This payment must be in cash,cashier's check,certified check or money order and made payable to us at the address stated above. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910 000002879 09SCR2 0068495 Pg 4 of4 You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT,OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the sante position as if no dc fault hftd occurred. However,you are not entitled to this right to cure your default more than three times in any calendar year. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 c 00 C) 000 0 SNciali ed Lean Servicinb P.O. Box 636005 0 Littleton,CO 80163-6005 Oc N O O O O O O_ el N M O 7106 7112 1690 1844 5113 7106 7112 1690 1844 5113 Christina Bates 315 Ponderosa Rd Carlisle PA 17015 9519 Specialized Loan Servicing FIRST-CLASS MAIL 8742 Lucent Blvd U.S.POSTAGE AND Ste. 300 FEES PAID Highlands Ranch,CO 80129 NCP 7106 7112 1690 1844 5113 RETURN RECEIPT REQUESTED CHRISTINA BATES 315 PONDEROSA RD CARLISLE PA 17015 9519 0362910 000002879 09SCR2 0068495 s7>a'e+u�Loan sorvking uc 8742 Luteal Blvd..Stine 300 Pg 1 of 4 Hlgh1a17Ct Ranch.Co 80729.2386 1-800-315-4SLS f4757) 7106 7112 1690 1844 5106 + 0362910 000002884 01SCR2 0068413 ROY A BATES 729 VLY ST APT A MARYSVILLE PA 17053-97x5 111 11111. IIIlIItI�lI1111Itlt�l��tlllll�lltl�oilI January 24,2012 Re: SLS Loan Number: 1005523279 Property Address: 315 Ponderosa Rd Carlisle, PA 17013 Notice of Default and Notice of Intent to Foreclose Dear Roy A Bates, The Note on the above-referenced loan is now in default as a result of your failure to pay the 04/01/09 payment and the payments due each month thereafter, as provided for in said Note. You are hereby notified that to cure such default you are required to pay to this office all past due payments plus late charges and any payments that may become due between the date of this notice and the date the default is cured. The amount required to cure the arrears as of 01/24/12 is$61,012.60. This amount cannot be relied upon for payment. You have thirty-three(33)calendar days from the date of this letter to cure the default. We urge you to immediately, upon receipt of this letter, contact our Customer Assistance _ Department at the number provided below to obtain the updated amount required to reinstate your loan. Failure to pay the total amount due under the terms and conditions of your Deed of Trust/Mortgage by 02/26/12 may result in acceleration of the entire balance outstanding under the Note including, but not limited to,the principal, interest and all other outstanding charges and costs,and commencement of foreclosure of the Trust Deed/Mortgage which is security for your Note. Please be advised that any extension of time or forbearance in the exercising of any right or remedy as provided for in the Deed of Trust/Mortgage shall not constitute a waiver of or preclude the exercising of any right or remedy. You have the right to reinstate the Note after acceleration as provided by law and you have the right to bring court action to assert the nonexistence of default or any other defense you have to acceleration and sale. If your loan is not brought current, inspections of your property will be made and you will be assessed fees for that purpose as permitted under state law. Additionally, if your property is found to be vacant and unsecured, the mortgage holder will have it secured and will charge you for the cost of securing. You may also be liable for reasonable attorney fees and costs incurred in connection with any proceedings on the Note and Trust Deed and such other costs as may be allowed by law. In addition, you may be liable for any deficiency that may be established as a result of the foreclosure action unless precluded by a bankruptcy discharge. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306.6062 01/24/12 1005523279 0362910 000002484 09SCR2 0068493 Pg 2 of 4 1n, ccordance w th the 1 aI Debt Collection Practices t v�>a e hereb Iv n n lice o the 'ollowin 1. Although you are not required to pay the total debt(or balance) of the Account prior to its maturity or acceleration, federal law requires Specialized Loan Servicing LLC to provide you with the amount of the debt. As of 01/24/12, the amount of the unpaid principal balance is $207,843.06. This letter is in no way intended as a payoff statement and you must not rely upon this letter for purposes of paying off your mortgage. 2. Specialized Loan Servicing LLC is the current servicer which represents the creditor to whom the debt is owed. if you request in writing within thirty(30)calendar days after you receive this notice,we will provide you with the name and address of the original creditor if different than the current creditor. 3. Unless within 30 days after you receive this notice you dispute the validity of the debt or a portion thereof,the debt will be assumed to be valid. If you notify us in writing within 30 days after you receive this notice that you dispute the debt or a portion thereof, we will obtain and mail to you verification of the debt. 4. Please be advised that this letter is an attempt to collect a debt and any information obtained will be used for that purpose. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt, please be advised that this letter constitutes neither a demand for payment of the captioned debt nor a notice of personal liability to any recipient hereof who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. If you believe that you are entitled to the benefits as outlined in the Service members' Civil Relief Act, you should promptly provide us with evidence of your active duty status. Specialized Loan Servicing LLC would like you to be aware that if you are unable to make payments or resume payments within a reasonable period of time due to a reduction in your income resulting from a loss or reduction in your employment, you may be eligible for Homeownership Counseling. Please contact the HUD toll free number(800-5694287) to obtain a list of HUD approved nonprofit organizations serving your area. If you have any questions,regarding this letter,please contact SLS at 800-306-6062 Monday through Friday, from 7:00 a.m. to 7:00 p.m. (MT). TDD number 800-268-9419 Monday-Friday,from 8:00 a.m. to 5:00 p.m. (MT). SLS requests that all payments be made in certified funds(cashier's check or money order(s))payable to Specialized Loan Servicing LLC and mailed to:Attention: Customer Assistance Department at one of the below addresses(always include your Loan Number with your payment): VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing,LLC Code City: PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number The matters discussed herein are of extreme importance. We trust you will give them appropriate attention. It is the practice and policy of SLS to work with customers that have experienced a hardship. We have many alternative programs available to assist customers in avoiding a foreclosure action. Please visit our website address www.sls.net for options or feel free to contact Customer Assistance area at 800- 306-66062 where one of our experienced and skilled Agents may assist you. Do not delay. There is help available for most customers. We cannot assist you if you do not contact us.We are committed to providing you with professional and courteous service. We respect our customers,especially those that are having difficulties and will always strive to treat you with the dignity you deserve. SPECIALIZED LOAN SERVICING LLC Customer Assistance Department 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800)306-66062 01/24/12 1005523279 0362910 000002884 09SCR2 0068493 Pg 3 of 4 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by 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 2006-23 (hereinafter we,us or ours)on your property located at 315 Ponderosa Rd, Carlisle, PA 17013, ,IS SERIOUS DEFAULT[because you have not made a monthly payment since 03/01/09]. 1N RutmbeDe of Delinquent Payments: 04/01/09 ar es Due: $42 176.82 able Cor orate Advances: $1639.77 Advances: $345.00 es: $16 807.51 a NSF Pro rt Ins ections etc.nds in Una lied $43.50 ount Due: $0.00 $61,012.60 Late charges and other charges have also accrued to this date in the amount of S 1,639.77 and S43.50. The total amount now required to cure this default, or in other words,get caught up in your payments, as of the date of this letter, is 561,012.60. You may cure this default within THIRTY-THREE(33)DAYS of the date of this letter, by paying to us the above amount of 561,012.60, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made to VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing, LLC Code City: PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number If you do not cure the default within THIRTY-THREE(33)DAYS, we intend to exercise orrr right to accelerate the mortgage payments.This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY-THREE(33) DAYS, we also intend to instruct our attorneys to slam a lawsuit to foreclose your mortgaged properly. If the mortgage is foreclosed your mortgaged property will he sold by th.e Sheriff to pay off the rnorlgage debt.If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you,you will still have to pay the reasonable attorney's fees,actually incurred,up to$50.00. However,if legal proceedings are started against you,you will have to pay the reasonable attorney's fees even if they are over$ 50.00.Any attorney's fees will be added to whatever you owe us,which may also �o include our reasonable costs. if you cure the default within the thirty day period.you will not be required topay attorney'sfees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any lime up to one hour before the Sheriffs foreclosure sale. You nary do so by paying the total amount of the unpaid monthly payments pin.r any late or other charger then.due,as well as lite reasonable utturne :r fees and costs connected with the foreclosure sale(and performm any other requirements under lite mortgage J.It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately (5)five months from the date of notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 800-306-6062. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910 000002884 09SCR2 0068493 Pg 4 of 4 You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT,OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. i If you ct+re the default, the mortgage will be restored to the,.gime position as if no default had occurred. However,you are not entitled to this right to cure your default more than three tunes in any calendar i year. I 1 i a i i i JI i I i k 3 ll i I 8742 Lucent Blvd.,Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 7106 7112 1690 1844 5106 7106 7112 1690 1844 5106 Roy A Bates 729 Vly St Apt A Marysville PA 17053 9785 FIRST-CLASS MAIL Specialized Loan Servicing U.S.POSTAGE AND 8742 Lucent Blvd FEES PAID Ste. 300 NCP Highlands Ranch, CO 80129 7106 7112 1690 1844 5106 RETURN RECEIPT REQUESTED ROY A BATES 729 VLY ST APT A MARYSVILLE PA 17053 9785 11IuiI��I��I�Ii�I�Ii�I�nH14�il�lulihlilil���iIIII�I�iI���P 0362910 000002884 09SCR2 0068493 Spetiaiued loan SorvicinA LLC Pg l of 4 8142 Lucent Blvd,.Sol 300 Highlands Ranch.CO 80129-2386 7106 7112 1690 1844 5090 1-800-3154SLS 14157) t 0362910 000002878 09SCR2 006a491 ROY A BATES 3 15 PONDEROSA RD CARLISLE PA 17015-9519 TIII'111-11 January 24,2012 Re: SLS Loan Number: 1005523279 Property Address: 315 Ponderosa Rd Carlisle,PA 17013 Notice of Default and Notice of Intent to Foreclose Dear Roy A Bates, The Note on the above-referenced loan is now in default as a result of your failure to pay the 04/01/09 payment and the payments due each month thereafter, as provided for in said Note. You are hereby notified that to cure such default you are required to pay to this office all past due payments plus late charges and any payments that may become due between the date of this notice and the date the default is cured. The amount required to cure the arrears as of 01/24/12 is$61,012.60. This amount cannot be relied upon for payment. You have thirty-three(33)calendar days from the date of this letter to cure the default. We urge you to immediately, upon receipt of this letter, contact our Customer Assistance Department at the number provided below to obtain the updated amount required to reinstate your loan. =- Failure to pay the total amount due under the terms and conditions of your Deed of Trust/Mortgage by =-- 02/26/12 may result in acceleration of the entire balance outstanding under the Note including, but not Q limited to,the principal, interest and all other outstanding charges and costs,and commencement of foreclosure of the Trust Deed/Mortgage which is security for your Note. Please be advised that any extension of time or forbearance in the exercising of any right or remedy as provided for in the Deed of Trust/Mortgage shall not constitute a waiver of or preclude the exercising of any right or remedy. You have the right to reinstate the Note after acceleration as provided by law and you have the right to bring court action to assert the nonexistence of default or any other defense you have to acceleration and sale. If your loan is not brought current, inspections of your property will be made and you will be assessed fees for that purpose as permitted under state law. Additionally, if your property is found to be vacant and unsecured, the mortgage holder will have it secured and will charge you for the cost of securing. You may also be liable for reasonable attorney fees and costs incurred in connection with any proceedings on the Note and Trust Deed and such other costs as may be allowed by law. In addition,you may be liable for any deficiency that may be established as a result of the foreclosure action unless precluded by a bankruptcy discharge. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800) 306-6062 01/24/[2 1005523279 0362910 000002878 09SCR2 0068491 Pg 2 of 4 In.accordance with the Ii air Debt Collection Practices Act,you are hereby given notice of the following: 1. Although you are not required to pay the total debt(or balance) of the Account prior to its maturity or acceleration, federal law requires Specialized Loan Servicing LLC to provide you with the amount of the debt. As of 01/24/12, the amount of the unpaid principal balance is $207,843.06. This letter is in no way intended as a payoff statement and you must not rely upon this letter for purposes of paying off your mortgage. 2. Specialized Loan Servicing LLC is the current servicer which represents the creditor to whom the debt is owed. If you request in writing within thirty(30)calendar days after you receive this notice,we will provide you with the name and address of the original creditor if different than the current creditor. 3. Unless within 30 days after you receive this notice you dispute the validity of the debt or a portion thereof,the debt will be assumed to be valid.If you notify us in writing within 30 days after you receive this notice that you dispute the debt or a portion thereof,we will obtain and mail to you verification of the debt. 4. Please be advised that this letter is an attempt to collect a debt and any information obtained will be used for that purpose. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt, please be advised that this letter constitutes neither a demand for payment of the captioned debt nor a notice of personal liability to any recipient hereof who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. If you believe that you are entitled to the benefits as outlined in the Service members' Civil Relief Act, you should promptly provide us with evidence of your active duty status. Specialized Loan Servicing LLC would like you to be aware that if you are unable to make payments or resume payments within a reasonable period of time due to a reduction in your income resulting from a loss or reduction in your employment, you may be eligible for Homeownership Counseling.Please contact the HUD toll free number(800-56911287) to obtain a list of HUD approved nonprofit organizations serving your area. If you have any questions,regarding this letter,please contact SLS at 800-306-6062 Monday through Friday,from 7:00 a.m. to 7:00 p.m. (MT). TDD number 800-268-9419 Monday-Friday,from 8:00 a.m. to 5:00 p.m. (MT). SLS requests that all payments be made in certified funds(cashier's check or money order(s)) payable to Specialized Loan Servicing LLC and mailed to:Attention: Customer Assistance Department at one of the below addresses(always include your Loan Number with your payment) VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing,LLC Code City: PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number The matters discussed herein are of extreme importance. We trust you will give them appropriate attention. It is the practice and policy of SLS to work with customers that have experienced a hardship. We have many alternative programs available to assist customers in avoiding a foreclosure action. Please visit our website address www.sls.net for options or feel free to contact Customer Assistance area at 800- 306-6062 where one of our experienced and skilled Agents may assist you. Do not delay. There is help available for most customers.We cannot assist you if you do not contact us.We are committed to providing you with professional and courteous service. We respect our customers,especially those that are having difficulties and will always strive to treat you with the dignity you deserve. SPECIALIZED LOAN SERVICING LLC Customer Assistance Department 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 01/24/12 1005523279 0362910 000002878 09SCR2 0068491 Pg 3 of NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by 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 2006-23 (hereinafter we,us or ours)on your property located at 315 Ponderosa Rd, Carlisle, PA '17013, , IS IN SERIOUS DEFAULT [because you have not made a monthly payment since 03/01/09]. Number of Delinquent Payments: 35 since 04/01/09 $42,176.82 Late Charges Due: $1,639.77 Recoverable Cor orate Advances: $345.00 Escrow Advances: $16,807.51 Other Fees: hone pay,NSF Pro eLtIns ections, etc. $43.50 Less:Funds in Una lied $0.00 Total Amount Due: $61,012.60 Late charges and other charges have also accrued to this date in the amount of S 1,639.77 and 543.50. The total amount now required to cure this default, or in other words,get caught up in your payments, as of the date of this letter, is 561,012.60. You may cure this default within THIRTY-THREE(33)DAYS of the date of this letter, by paying to us the above amount of 561,012.60, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made to VIA Regular Mail VIA Over Night Address VIA Western Union Quick Collect Specialized Loan Servicing, LLC Specialized Loan Servicing,LLC Code City:PAYSLS PO Box 105219 8742 Lucent Blvd, Suite 300 Code State: CO Atlanta, GA 30348-5219 Highlands Ranch,CO 80129 Reference: Loan Number If you do not cure the default within THIRTY-THREE(33)DAYS, we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY-THREE(33) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. !f the mortgage isforeclosed your mortgaged property will be.sold by the Sheriff to pny off the mortgage debt.If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you,you will still have to pay the reasonable attorney's fees,actually incurred,up to$50.00. However,if legal proceedings are started against you,you will have to pay the reasonable attorney's fees even if they are over$50.00.Any attorney's fees will be added to whatever you owe us,which may also include our reasonable costs. If you cure the default within the thirty day period,you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, yorr.still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of*th.e unpaid inonthly payments plus(anti late or other charges then.due,as well as the reasonable auurn.ey's fees and costs connected with.the foreclosure sale(avid perform any other requirements under the mortgage J.It is estimated that the earliest date that such a Sheriff s sale could be held would be approximately (5)five months from the date of notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 800-306-6062. This payment must be in cash,cashier's check,certified check or money order and made payable to us at the address stated above. 8742 Lucent Blvd., Suite 300,Highlands Ranch,Colorado 80129 PH(800)306-6062 r 01/24/12 1005523279 0362910 00000287809SCR2 0068491 Pg4of4 You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff s sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you care the depull, the mortgage brill be restored to the same position ns if no defdult had occurred- However,you are not entitled to this right to cure your default more than three times in any calendar year. 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800)306-6062 c� 0 0 Specialized Loan Servicing P.0_ Box 636005 ell Littleton,CO 80163-6005 OcOc N 0 0 0 0 0 0 c N Y3 M O 7106 7112 1690 1844 5090 7106 7112 1690 1844 5090 Roy A Bales 315 Ponderosa Rd Carlisle PA 17015 9519 Specialized Loan Servicing FIRST-CLASS MAIL 8742 Lucent Blvd U.S.POSTAGE AND Ste. 300 FEES PAID Highlands Ranch, CO 80129 NCP 7106 7112 1690 1844 5090 RETURN RECEIPT REQUESTED ROY A BATES 315 PONDEROSA RD CARLISLE PA 17015 9519 0362910 000002878 09SCR2 0068491 green tree Re: 82236033-Bates F r�4eyr»r Payt)ff Quote F�eques9; Kindra D Denny 04/11/2014 03:24 PM V�r�.; e sa.p F G-ee=te ..... ........ Please note any payoff etuotc-: to a future date is subject to change.*' ACCOLInt.Number ('� :J (1L�J�. Payoff Date Payoff Anio int S2l�,.e2,�.F2 Principal Balance , Interest S2C 7,.8413.0 6 S���,898.3'1 Per New S20.65 Deferred Interest Late Charges 50.00 NSF Fees �G.GG Fee Balance K.CO Negative True Escrow S26;55A,_'5 UAF Balance GG PPFC fee so r,0 Type 3001NSPECTION-VACANT 3.00 Type 301 INSPECTION-VACANT Si S5 0G Tyne 302.INSPECTION-VACANT S-i5.GG Type 303 INSPECTION-VACANT $15,00 Type 304 IN,SPECTION-VACANT Type 305 INSPECTION,-VACANT S15.G0 Type 306IN,SPECTION-VAC ANT S°S.OG Type 307 INSPECTION-VACANT Type 308 INSPECTION-VACANT �,",''=.GG Type 3091NSPECTION-OCCUPIED 515.C G Type 310 INSPECTION-OCCUPIED S15,C0 Type 31-1 INSPECTION-OCCUPIED S"15 00 Type 312 INSPECTION-OCCUPIED :"15,00 Type 313 INSPECTION-OCCUPIED C15.GG Type 314 INSPECTION-OCCUPIED 5 i 5.00 Type 31S INSPECTION-OCCUPIED Type 31.6 INSPECTIOai%-OCCUPIED S"; C0 Type 317 INSPECTION-OCCUPIED 515 00 Type 318 PHOTOS 5=:.3.50 Type 319 ATTORNEY FEES F/C ` 95.00 Type 320 F/C SERVICE S165„0G Type 321 PROPERTY INSPECTION t., Type 322 PROPERTY INSPECTION Ss”, 35 Type 323 PROPERTY INSPECTION 41"1.3.5 Type 324 PROPERTY INSPECTION s"t"1 35 Type 325 PROPERTY INSPECTION Ss1.35 Type 326 PROPERTY INSPECTION 511.3` Type 327 PROPERTY INSPECTION Sil.35 Type 328 PROPERTY INSPECTION Type 329 PROPERTY INSPECTION S_"i ,5 Type 330 PROPERTY INSPECTION � 35 Type 331 PROPERTY INSPECTION SI1.35 e Type 332 PROPERTY INSPECTION TypC1 333 PROPERTY INSPECTION 811.3`' Type 334 PROPERTY INSPECTION J3 Type Type 335 PROPERTY IN '35 Type 336 PROPERTY INSPECTION S-1 Type 337 PROPERTY INSPECTION �! 3 Type 338 PROPERTY INSPECTION r i Type 339 TITLE SEARCH 511. 3 s C.C.Ct CLR451N GREENEV Post Date 4/11/14 Actuarial 15:56:44 Account..: 82236033- 5 Primary..: ROY A BATES Loan Type.....,: HE Secondary: CHRISTINA BATES Payoff Date....: 4/30/2014 Non-Accrual....: 0/00/0000 Principal Bal..: 207,843.06 Interest.......: 38,898.31 Esc Credit.........: .00 Paid Ahead Int.: Hazard/Flood Ins: 00 Corp Advance...: 00 Defer Int ADI. 1 527.80 Per Diem....... : .: 00 20.65 Lates..........: .00 Payments in Other Credits.,........:Suspense.: 00 Return Check Fees: .00 2 True Escrow..,•...,: "00 Misc Charges...: .00 UAF Bal............: 6,554.45 Other Fees.....: 00 PRA Pending Credit. .00 Defer Interest.: •: 00 .00 Payoff.........: 274,823.62 Negative True Escr'oVj Breakdown Ne2ati':reTrue__cm, m geR 3a; 5 - =f-4t r2,a;,'te Tr ja _�I.r" y C e s - 8 a I,1r i C' Transaction )escr P-,Io� tri s 4 _ � 7-� �, -.� � Tl.�3Fl ,7uG. ,C,J'.s_;•2t?.,_ � F;valance S S - ,ac,aairer� esc 4� n ,78ul.77 S -- .Haz r=ire ' Insurance S �5�: - 7,7,Y C.i;•� °Tnk: S 15 =_ S 1=6,554.4-` i Kindra D Denny Please,provide, payoff figures to include the folio... Kindra D 04/08/2014 12:48:52 PM ,P-'rn tree Denny/RC/GT/GTFC To Regional Payoff Quote Request a�GTFC 04/08/2014 12:48 PM cc Subject 82236033-Bates Please provide Payofff gures to include the following: • Good through: 011/30/20.14 • Negative Escrow Breakdown ' Acquired Negative 1�,'scrow Breakdown Corp Advances Thank you, Kindra Denny Foreclosure Specialist Green Tree Servicing LLC Phone: (800) 544-8056 ext 55998 Fax: (605) 355-7006 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY N •, K I ti DEC { 9 NI 3: 2L-1, CUMBERLAND CUUNTY PENNSYLVANIA OFFICE OF THE 'HEMP' The Bank of New York Mellon f/k/a The Bank of New York vs. Case Number J.K. Meyers Contracting, LLC (et al.) 2014-6665 SHERIFF'S RETURN OF SERVICE 11/18/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: J.K. Meyers Contracting, LLC, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/18/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Roy A Bates, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/18/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Roy A Bates, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of York, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/18/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Christina Bates, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/18/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Christina Bates, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of York, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/20/2014 11:10 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Roy A Bates, 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 315 Ponderosa Road, Lower Frankford, Carlisle, PA 17013. 11/20/2014 11:10 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Christina Bates, 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 315 Ponderosa Road, Lower Frankford, Carlisle, PA 17013. 11/20/2014 11:12 AM - Deputy William Cline, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Becky Hyle, Occupant at 315 Ponderosa Road, Lowerrankford, Carlisle, PA 17013. LLIAM CLINE, DEPUTY 11/20/2014 11:12 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: J.K. Meyers Contracting, LLC, 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 315 Ponderosa Road, Lower Frankford, Carlisle, PA 17013. (c) Counry5ui+e Sheriff, Toleosott, Inc. 11/20/2014 02:30 PM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of York County upon Roy A Bates, personally, at 4640 South Salem Church Road, Dover, PA 17315. Richard P. Keuerleber, Sheriff, Return of Service attached to and made part of the within record. 11/21/2014 The Sheriff of York County, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Christina Bates, but was unable to locate the Defendant in his bailiwick. The York County Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Served" at 4640 South Salem Church Road, Dover, PA 17315. 12/16/2014 The requested Complaint in Mortgage Foreclosure returned by the Sheriff of Dauphin County, the within named Defendant Christina Bates, not found. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 12/16/2014 The requested Complaint in Mortgage Foreclosure returned'by the Sheriff of Dauphin County, the within named Defendant Roy A Bates, not found. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 12/16/2014 The requested Complaint in Mortgage Foreclosure returned by the Sheriff of Dauphin County, the within named Defendant J.K. Meyers Contracting, LLC, not found. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $144.78 SO ANSWERS, December 16, 2014 (c) CountySuite Sheriff. i eleosoff, Inc. RONNY R ANDERSON, SHERIFF SHERIFF'S OFFICEOF YORK COUNTY Richard P Keuerleber���'$ ofd; PETER J. MANGAN, ESQ. Sheriff Solicitor Michael S. Hose ;`_" Richard E Rice, II Chief Deputy, Operations , Chief Deputy, Administration THE BANK OF NEW YORK MELLON F/K/ATHE BANK OF NEW YORK vs. CHRISTINA BATES (et al.) Case Number 2014-6665 SHERIFF'S RETURN OF SERVICE 11/20/2014 02:30 PM - DEPUTY BRET NEWCOMER, BEING DULY SWORN ACCORDING TO LAW, SERVED THE REQUESTED COMPLAINT IN MORTGAGE FORECLOSURE (CIMF) BY "PERSONALLY" HANDING A TRUE COPY TO A PERSON REPRESENTING THEMSELVES TO BE THE DEFENDANT, TO WIT: ROY A BATES AT 4640 SOUTH SALEM CHURCH ROAD, DOVER, PA 17315. _4•AAeNvt"-N— BRET NEWCOMER, SERGEANT 11/21/2014 I, RICHARD P KEUERLEBER, SHERIFF, WHO BEING DULY SWORN ACCORDING TO LAW, STATES HE MADE DILIGENT SEARCH AND INQUIRY FOR THE WITHIN NAMED DEFENDANT TO WIT: CHRISTINA BATES, BUT WAS UNABLE TO LOCATE THE DEFENDANT IN HIS BAILIWICK. THE SHERIFF THEREFORE RETURNS THE WITHIN REQUESTED COMPLAINT IN MORTGAGE FORECLOSURE (CIMF) AS "NOT FOUND" AT 4640 SOUTH SALEM CHURCH ROAD, DOVER, PA 17315. EX-HUSBAND SAYS THAT DEFENDANT HAS NEVER LIVED AT THIS ADDRESS. SHERIFF COST: $42.00 (AN RS, November 21, 2014 RICHA' D P KEU ' LEBER, SHERIFF ....3fdii1ONWEALTH OF PENNSYLVANIA Notarial Seal Sheila E. Cook, Notary Public City of York, York County My Commission Expires Feb. 1, 2017 "tE?' R .'EAivSYLVANIA ASSOCIATION OF NOTARIES NOTARY Affirmed and subscribed to before me this 21ST day of NOVEMBER 2014 (.;� CountpSute Shenif,''e!eosoft, ,nc.