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Supreme Courtz—bf, Pennsylvania Cour 40KOT' moleas For Nothonotary Use Only. P Civil JcY, &-e-f CumbPrla-h-"d Docket No: Counq q 77ie information collected on this form is used sole1j,for court administration purposes, 77iis form does not supplement or replace the filing and service ofpleadings or otherplipers as required by low or rules ofcourt. Commencement of Action: S 6 Complaint 0 Writ of Summons 0 Petition 0 Transfer from Another Jurisdiction 0 Declaration of Taking E C Lead Plaintiff's Name: Lead DefendaWs Name: T The Bank of New York Mellon et al Douglas Shaffner Are motley damages requested? C3 Yes EY No Dollar Amount Requested: 0 within arbitration limits 0 1 (check one) 0 outside arbitration limits N Is this a Class Action Suit? E3 Yes E9 No Is this aliMDJAppeal? 0 Yes 129 No A Name of Plaint iff/Appol lant's Attorney:_ Richard—J—N-aj:ba-r-Rdi:a-n-—, E-9 r te c!_q 0 Check here if yott have no attorney(are a Self-Represented ("Pro , e Litigant) Nature of the Case: Place all "V to the left of the ONE case category that most accurately describes your PR1AfAR)'CASF,. If you are.making more than one type of claim, check the one that you consider most important. TOR'r(donol include Mass Tort) CONTRACT(do not inchieleludgmenis) CI VII,API"EALS 0 Intentional 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment. 0 Motor Vehicle 0 Debt Collection:Other 0 Board of Elections 0 Nuisance 0 Dept.of Transponation 0 Premises Liability 0 Statutory Appeal.other S 0 Product Liability(dots not include 'Cl Employment Dispute: E mass tort) 0 Slander/Libel/Defamation Discrimination C 0 Other 0 Employment Dispute,Other 0 Zoning Board T E3 Other: 0 Other: o MASS TORT 0 Asbestos N 0 Tobacco 0 Toxic Tort-ITS 0 Toxic Toil - Implant REAL PROPERTY • Toxic Waste 0 E-jeciment MISCELLANEOUS • Other 11 'Common LawlStalutory Arbitration B0 Eminent Domain/Condemnation 0 Declaratory Judgment 0 Ground Rent 0 Mandamus L El LandlordrFeriant Dispute 0 Non-Domestic Relations 8 Motigage Foreclosure:Residential Restraining Order PROFESSIONA1,LIABIATY 0 Mortgage Foreclosure-Commercial 0 Quo Warranto 0 Dental 0 Partition !0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical 0 Other: 0 Other Professional: ut)(1alett//1/201 PARKER McCAY P.A. By: Richard J Nalbandian III,Esquire -" - • ? -lj i+ Attorney ID# 312653 . 9000 Midlantic Drive, Suite 30019 P.O. Box 5054 Mount Laurel, J 08054-1539 "'` ." e , N (856) 810-5815 Attorne s for Plaintiff The Bank of New York Mellon FKA The COURT OF COMMON PLE S Bank of New York, as Trustee for the CUMBERLAND COU Y certificateholders of the CWABS, Inc., NO. NASSET-BACKED CERTIFICATES, SERIES 2007-1 c/o Specialized Loan Servicing, LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, V. CIVIL ACTION Douglas E. Shaffner Ellen Shaffner MORTGAGE FORECLOSURE 342 Airport Rd Shippensburg, PA 17257 Defendants. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. 2� 313C�yS 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 AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente or por medio de un abogado una comparecencia escrita y redicando en la Corte por escrito sus defensas de, y objeciones a, los demandas presentadas aqui en contra suya. Se le advierte de que A usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero O propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO IMMEDIATAMENTE. SI 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 s 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., ASSET-BACKED CERTIFICATES, NO. SERIES 2007-1 C/o Specialized Loan Servicing, LLC 8742 Lucent Blvd., Suite 300 Highlands Ranch, CO 80129 Plaintiff, V. Douglas E. Shaffner CIVIL ACTION Ellen Shaffner MORTGAGE FORECLOSURE 342 Airport Rd Shippensburg, PA 17257 Defendants. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc., ASSET-BACKED CERTIFICATES, SERIES 2007-1 (the "Plaintiff"), c/o Specialized Loan Servicing, LLC, 8742 Lucent Boulevard, Suite 300, Highlands Ranch,CO 80129. x 2. Defendants, Douglas E. Shaffner and Ellen Shaffner (hereinafter referred to as "Defendants") are adult individuals and are the real owners of the property hereinafter described. 3• On December 27, 2006 in consideration of a loan in the principal amount of $112,000.00, Defendants executed and delivered to Home Team Financial LLC, an adjustable rate note (the "Note") with an interest rate at 6.950% per annum, and monthly payments of $741.38 commencing on February 1, 2007, continuing each month until the maturity date of January 1, 2037. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit "A". 4. To secure the obligations under the Note, Defendants executed and delivered to Home Team Financial LLC, a mortgage (the "Mortgage") dated December 27, 2006, and recorded on January 5, 2007, in the Recorder of Deeds in and for the County of Cumberland in Book 1978, Page 2775 . A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit `B". 5. An Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc. as nominee for Home Team Financial, LLC to The Bank of New York for the Benefit of the CWABS, Inc., Asset-Backed Certificates, Series 2007-1, was recorded on December 26, 2007, in the Cumberland County Recorder of Deeds in Instrument# 200747267. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 6. A Corrective Assignment of Mortgage from Mortgage Electronic Registration Systems, Inc., as nominee for Home Team Financial, LLC to The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc., ASSET- BACKED CERTIFICATES, SERIES 2007-1, was recorded on December 26, 2013, in the 7 i Cumberland County Recorder of Deeds in Instrument# 201340319. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "D". 7. On December 13, 2007, Defendants entered into an unrecorded loan modification with Countrywide Home Loans Servicing LP, which modified the terms of the original note. A true and correct copy of the Loan Modification Agreement is attached hereto and made part hereof as Exhibit 8. On April 3, 2013, Defendants entered into an unrecorded loan modification with Countrywide Home Loans Servicing LP, which modified the terms of the original note. A true and correct copy of the Loan Modification Agreement is attached hereto and made part hereof as Exhibit "F". 9. Plaintiff has been confirmed to be the real party in interest and has the right to foreclose the subject property. 10. The Mortgage secures the following real property (the "Mortgaged Premises"): 342 Airport Rd, Shippensburg, PA 17257. A copy of the legal description of the Mortgaged Premises is attached hereto and made a part hereof as Exhibit "G". 11. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due May 1, 2013, 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. 12. The following amounts are due on the Mortgage and Note: Balance of Principal $ 138,858.00 Accrued but Unpaid Interest from $ 4,518.91 A ril 1, 2013 to November 17, 2014 Escrow Advance $ 5,997.47 Property Inspection $ 30.00 Deferred Princi al 815.84 $6, Reasonable Attorney's Fees $ ,8150. 00 TOTAL as of November 17, 2014 $ 158,570.24 Plus, the following amounts accrued after November 17, 2014: Interest at the current Rate of 2.00%per annum ($7.6087 per diem); late charges 5.00% 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. 13. 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. 14. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, has been sent to the Defendants on November 26, 2013, via certified and regular mail, in accordance with the requirements of the Act. A true and correct copy of such notice is attached hereto and made a part hereof as Exhibit "H". 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 12, namely, $158,570.24 plus the following amounts accruing after November 17, 2014 , to the date of Judgment: (a) interest of$7.6087 per diem; (b) late charges of 5.00% on any overduement a P Y of principal and interest per month; (c)plus interest at the legal rate allowed on judgments after the date of Judgment; (d) additional attorney's fees (if any) hereafter incurred; (e) costs of suit; and (f) any amounts expended for future recoverable advances, corporate advances, taxes and insurance. PARKER McCAY P.A. Dated: �►'l By: Richard J Nalbandian I11, Esquire Attorney for Plaintiff VERIFICATION I Second Assistant Vice President hereby certify that I am a Specialized Loan Servicing LLC of -and am authorized o make this verification on The Bank of New York Mellon FKA The Bank of New York as Trustee for te certificateholders of the CWABS,Inc.,ASSET-BACKED CERTIFICATES,'SERIES 2007- is behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mort age 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. e. � d �si Title: �Rnt Vice President Nov 1 1 2014 PMC File No. 14569-14-12924 Defendant Name: Shaffner Property: 324 Aimort Rd. Shippensburg,PA 17257 EXHIBIT "A" MIN: 1004195-0611150030-1 Loan Numb!Br: 0611150030 ADJUSTABLE RATE NOTE (LIBOR Six-Month Index (As Published In The Wa/1 street Journal)-Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CIiANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXUVWM RATE I MUST PAY. DECEMBER 27, 2006 MOUNT JOY [Date] PENNSYLVANIA jawIstatel 342 AIRPORT RD, SHIPPENSBURG, PENNSYLVANIA 17257 IPmpe ty Addressl 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received,I promise to pay U.S. $112, 000.00 called"Principal"),plus interest, to the order of Lender. Lender is HOME TEAM FINANCIAL,(this LLC,t is A LIMITED LIABILITY 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 on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 6.950 %. 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 after any default described in Section 7(B)of tills Note. - 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a pol went every month. I will make my monthly payments on the 1st day of each month beginning on FEBRUARY 1 2007 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to Interest before Principal. If,on JANUARY 1, 20371 I stil 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 3.03. EAST MAIN S'T'REET, MOUNT JOY, PENNSYLVANIA 17552 (B) Amount of My Initial Monthly Payments or at a different place if required by the Note Holder. Each of my initial monthly payments will be in the amount of U.S. $ 741.3 8 amount may change. This (C) Monthly Payment Changes Changes in my 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. Borrower Initials: MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SiX-MONTH INDEX Fannte Mae (AS PUBLISHED IN THE WALL STREET JOZiRNAL)--Single Family Form 3520 1/01 MODIFIED INSTRUMENT Page 1 of b OoclWaglo Boo eae•tae2 WWW.docmag/c,com hlllll fllllllllllll 670 Illllllllllllf lllll1�1111 14704720 �l�lljlllllll�Illl�lllllllll f ---�_ NTE 00, 001 '! n 4.. INTEREST RATE AND MONTHLY PAYMENT CHANGES • (A) Change Dates The interest rate I will pay play change on the 1st day of JANUARY, 2 0 Q 9 and D that day every 6 th month thereafter. Each date on which my interest rate could change is called a"Change • Date." (B) The Index Beginning with the first Change Date, my U.S. dollar-interest rate will be based on an Index. The"Index"Is the average published in The Wall streetjour of interbank offered rates for six month denominated deposits In the London market ("LIBOR"), as ,al. 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 STX AND 950/1000 percentage points ( 6.950 Holder will then round the result of this addition to the nearest one-eighth of one percentage point(0.125%). Subjecthe Current Index. The t 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 first Change Date will not be,greater than 9-950 %or less than 6-950 %. Thereafter,lily interest rate will never be increased or decreased on any single Change Date by morethan ONE AND 000/1000 from the rate of interest I have been paying for the recedin 6 percentage points) ( 1.000 goo) than 13 .950 %. p g months. My interest rate will never be greater (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new mon changes again. Uily payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment (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 I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY ** See attached P I have the right to make payments of Principal at any time before they are a ent �e AddendUm. Is known as a"Prepayment." When I make a Prepayment,I will tell the Note Holder in writti g that I am dnt of oing soy 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 may will use my Prepayments to reduce the amount of Principal that I owe under this Note.However, the Note Holder Prepayment lto reduce the Principal amount oayment to the accrued f this unpaid ote.Interest)f I make ah partial Prepayment amount before applying lily in tate due dates of my monthly payments unless the Note Holder agrees In writing to those echani es a M changes Prepayment may reduce the amount of my monthly payments after the first Change Date following my pawl Prepayment. However, any reduction due to my partial Prepayment may be offset by an Interest rate increase.partial Borrower Initials: -4 MULTISTATE ADJUSTABLE RATE NOTE—LIBOR SIX-MONTH (AS PUBLISHED IN THE WALL STREETJOYNAQ-•Singie Family Fannie Mae MODIFIED INSTRUMENT QOGIIa Ic Form 3520 1/01 Page 2 r5 800649.1362 Www.docmag/c.com 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 obarge 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 If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due,I will pay a late charge to the Note Holder. The amount of the charge will be ' 5.O 0 O %of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (13) 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 . Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full-as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include,for example, reasonable attorneys'fees. S. 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 THIS NOTE If more than one person signs this Note, each person Is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, Including the obligations of a guarantor,surety or endorser of this Note,Is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under tilts Note waive the rights of Presentment and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. Borrower Initials: S-11- ._ MULTISTATE ADJUSTABLE RATE NOTE—LIBOR SIX-MONTH INDEX (AS PUBLISHED IN THE WALL STREETJOURNAL)--Singlo Family Form 3520 1/01 Fannie Mae MODIFIED INSTRUMENT Page 3 or 5 Oocwag/e�RprWIM eeaBtal www.doemaglc.cony 11. UNIFORM SECURED NOTE This Note is a uniform Instrument with limited variations in some,jurisdictions. In addition to the protections given to the Note Holder under this Note,a Mortgage,Deed of Trust,or Security Deed(the"Security Instrument'), dated the same date as this Note,protects the Note Holder from possible losses 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 Prbperty or any Interest In the Property is told or transferred(or if Borrower Is not a natural person and a beneficial interest in Borrower'is sold of 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 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 falls to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. Borrower Initials: MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1101 (AS PUBLISHED IN THE WALL STREETJOURNA*-Single Family DoeMagl eI7tW=m e00-e49-1s62 Fannie Mae MODIFIED INSTRUMENT Page 4 of 5 www.docmaglc.com MUTNESS THE HAND(S)AND SEAL(S) OF THE UNDERSIGNED. (Seal) Seal T70U� SHA.FFNER -Borrower ELLEN 13 SHA R .Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower [S]gn Original 01 71yj MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREETJOURNAQ—Single Family OocM0glc4'11bVW= 600.649.1362. Fannie Mae MODIFIED INSTRUMENT Page 5 of 5 wwvt.dacmaglo.com t PREPAYMENT PENALTY ADDENDUM TO NOTE Loan No.:061115003 0 Date:DECEMBER 27, 2006 Borrower(s):DOUGLAS E SHAFFNER, ELLEN B SHAFFNER This addendum Is made DECEMBER 27, 2006 and is incorporated into and deemed to amend and supplement the Note of the same date. Covering the property described in the security instrument and located at: 342 AIRPORT RD, SHIPPENSBURG, PENNSYLVANIA 17257 Section 5 of the Note is amended to read in its entirety as follows: " 5 . BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under 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. If this Note provides for a variable Interest rate or finance charge,and the interest rate or finance charge at any time exceeds the legal limit under which a Prepayment penalty Is allowed,then the Note Holder's right to assess a Prepayment penalty will be determined under applicable law. If within TWENTY-FOUR. { 24 ) months from the date of execution of the Security Instrument I make a full prepayment, I will pay a prepayment charge in an amount equal to FIVE percent( 5.000 %) of the original Principal amount of the Loan." IN WITNESS WHEREOF, the Borrower has executed this Addendum on the day of ,mac 900"'p, � a� 10(. Borro DOUG S E SHAFFNER Date BorrowerEL N B S NER Date Borrower Date Borrower Date Borrower Date Borrower Date MULTISTATE PREPAYMENT PENALTY ADDENDUM TO NOTE DocMaglc dWRFttV="0.649•y-26z 04/30/04 www.docmaglc.com ALLONGE M LOAN#: 0611150030 Borrower(s): DOUGLAS E SHAFFNER, ELLEN B SHAFFNER Property Address: 342 AIRPORT RD, SHIPPENSBURG, PENNSYLVANIA 17257 Principal Balance: $112, 000.00 Loan Date: DECEMBER 27, 2006 PAY TO THE ORDER OF COUNTRYWIDE BANK, N.A. Without Recourse Company -Z HOME TEAM FINANCIAL, LLC _ By: (Na (Title) nnis A. Mansberger VP of Secondary operations PAY TO THE ORDER()F COt ntryWide Horne t OCUS.,UM. WITHOUT R7-C if.;;vR COUNTRYt�Vjoj: t:'Citi, it,1A LAUML- WIEDER 14000 klICE PRESIDENT �q�1,i Xpl • G�" '' iY'� Maitistate Note AIIoago EXHIBIT "B" coo 1 � q l 111111{111111111{{II1II�1111111111fl11{1111111{ J 111111{lll{II1111111II111111! a�7 D 147047209 D2 001 001 RjJ S H� 1 59 This Instrument Prepared By: After Recording Return To: T.A.of Lancaster 0001B EAST MAIN STREE ' 101 E.Main St.,Suite 3 MOUNT JOY, PENNSYLVANIA 17552 Mount PA 17552 Loan NumbMountjoy,0611150030 Y� Uniform Parcel Identifier Number: 3.9-13-0104-026 Property Address: 342 AIRPORT RD SHIPPENSBURG, PENNSYLVANIA 17257 3�3 [Space Above This Line For Recording Data] MORTGAGE MIN: 1004195-0611150030-1 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 DECEMBER 27, 2006 ,together with all Riders to this document. (B) "Borrower"is DOUGLAS E SHAFFNER AND ELLEN B SHAFFNER HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument, (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that Is acting solely as a nominee for Lender and Lender's successors and assigns. MERS Is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware,and has an address and telephone number of P.O. Box 2026, Flint,MI 48501-2026, tel. (888)679-MERS. Borrower Initials: Ar PENNSYLVANIA-Single Family DocMagict7mm eooe4a13e2 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmagiacom Form 3039 01/01 Page 1 of 17 BIt 1978PG2775 4 1 (D) "Lender"is HOME TEAM FINANCIAL, LLC Lender is a LIMITED LIABILITY organized and existing under the laws of PENNSYLVANIA , Lender's address is 101 EAST MAIN STREET, MOUNT JOY, PENNSYLVANIA 17552 (E) "Note"means the promissory note signed by Borrower and dated DECEMBER 27, 2006 The Note states that Borrower owes Lender ONE HUNDRED TWELVE THOUSAND AND 00/100 Dollars (U.S.$ 112,000.00 )plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2037 (F) "Property"means the property that is described below under the heading"Transfer of Rights in the Property." (G) "Loan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument,plus interest. (H) "Riders"means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower[check box as applicable): ® Adjustable Rate Rider ❑ Planned Unit Development Rider ❑ Balloon Rider ❑ Biweekly Payment Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Condominium Rider ® Other(s) [specify] PREPAYMENT RIDER (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. (n "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. (1) "Electronic Funds Transfer"means any transfer of funds,other than a transaction originated by check,draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial Institution to debit or credit an account. Such term includes,but Is not limited to,point-of-sale transfers,automated teller machine transactions, transfers initiated by telephone,wire transfers, and automated clearinghouse transfers. (L) "Escrow Items"means those items that are described in Section 3. (M) "Miscellaneons 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 Borrower Initials: '—w— &D " PENNSYLVANIA–Single Family DocMagic eftm=aoasaarasz Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmagic,com Form 3039 01/01 Page 2 of 17 B1( 1978PG2776 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(1) 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 party that has taken title to the Property,whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,Borrower does hereby mortgage,grant and convey to MERS (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 CUMBERZ,AND . [Type of Recording Jurisdiction] [[Name of Recording Jurisdiction] SEE L173AL DESCRIPTICN AIMC M HERETO AND MADE A PART HEREOF AS EXHIBIT "A". A.P.N. : 39-13-0104-026 which currently has the address of 342 AIRPORT RD [Street] SHIPPENSBURG ,Pennsylvania 17257 ("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,MERS(as nominee for Lender and Lender's successors and assigns)has the right: to exercise any or all of those interests,including,but not limited to,the right to foreclose Borrower Initials: AU Sri 9(6S PENNSYLVANIA--Single FarnA DocMagic�utM n800"649-1362Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.doomaglc.com Form 3039 01/01 Page 3 of 17 BK I 978PG2777' i 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 formational use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment ofPrincipal,Interest,EscrowItems,Prepayment Charges,and Late Charges.Borrowershall pay when due the principal of,and interest on,the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made In U.S. currency. However, if any check or other Instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender: (a)cash;(b)money order;(c)certified check,bank check, treasurer's check or cashier's check,provided any such check Is drawn upon an institution whose deposits are insured by a federal agency,Instrumentality,or entity; or(d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender In accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to Its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date,then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time,Lender shall either apply such funds or return them to Borrower. If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest due under the Note; (b)principal due under the Note; (c)amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which Includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if,and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments,such excess may Borrower Initials: X PENNSYLVANIA-Single Family DocMaglc P.��eUDpn eoo-648-1362 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmaglc.com Form 3039 01/01 Page 4 of 17 UA 978FIR 2770 be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments,insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note,until the Note is paid in full,a sum(the"Funds")to provide for payment of amounts due for: (a)taxes and assessments and other items which can attain priority over this Security Instrument as alien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, If any; (c)premiums for any and all insurance required by Lender under Section 5;and(d)Mortgage Insurance premiums,if any,or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These Items are called"Escrow Items." At origination or at anytime during the term of the Loan,Lender may require that Community Association Dues,Fees,and Assessments,if any,be escrowed by Borrower,and such dues,fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be In writing. In the event of such waiver, Borrower shall pay directly,when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to he a covenant and agreement contained in this Security Instrument,as the phrase "covenant and agreement"is used in Section 9. If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item,Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given In accordance with Section 15 and,upon such revocation, Borrower shall pay to Lender all Funds,and in such amounts, that are then required under this Section 3. Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b)not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender Is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds,annually analyzing the escrow account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held In escrow,as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,as defined under RESPA, Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Borrower Initials: PENNSYLVANIA--Single Family DocMag/c MOM 800.649.13$2 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www docmegfc.com Form 3039 01/01 Page 5 of 17 81( 1978PG2779 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 Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term "extended coverage," and any other hazards Including, but not limited to,earthquakes and floods,for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrowersubject 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 Borrower Initials• 0�f"J PENNSYLVANIA--Single Family OocMagfc�ppDDiS ma648.1362 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS wvlw.docmagic com Form 3039 01/01 Page 6 of 17 UKI978PG2780 • 1 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 j Insurance proceeds,whether or not the underlying insurance was required by Lender,shall be applied to restoration or repair of the Property,If the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds,Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters,or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair Is not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,If any,paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event,or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender(a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,and(b)any other of Borrower's rights(other than the right to any refund of unearned premiums paid by Borrower)under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument,whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing,which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation,Maintenance and Protection of the Property;Inspections. Borrower shall not destroy, damage or impair the Property,allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to,or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only If Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient Borrower IniGais• P_ w PENNSYLVANIA—Single Family RocMagIC eRW=800-649.1382 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmagle.com Form 3039 01/01 Page 7 of 17 BKI978PG278I i 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, Borroweror 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/orrights 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 shalt be payable,with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument Is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall not,without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lenderrequired Mortgage Insurance as a condition of making the Loan,Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such Insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously In effect,at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously In effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, Borrower Initials- J_!�L T.�) s PENNSYLVANIA—Single Family gocMaglc WiWM aoasas-1362 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.doemayle.com Form 3039 01/01 Page 8 of 17 BK1978PG2782 0 notwithstanding the fact that the Loan is ultimately paid in frill,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 andBorrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay .the premiums required to maintain Mortgage Insurance in effect,or to provide a non-refundable loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter into agreements with other parties that share or modify their risk,or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties)to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be characterized as)a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has-if any-with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insuranceterminated automatically,and/or to receive refund ofany Mortgage Insurancepremiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds;Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work Is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Borrower Initials:Xia E&::� PENNSYLVANIA—Sfngle Family DocMagic r�lUOS�"r 600-649-1362Fannfe MaelFreddle Mac UNIFORM INSTRUMENT-MERS www.domwglc.com Form 3039 01/01 Page 9 of 17 B;t1978PG2783 z x , Instrument,whether or not then due,with the excess,if any,paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction,or loss in value of the Property,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due, with the excess,if any, paid to Borrower. In the event of a partial taking, destruction,or loss in value of the Property In which the fair market value of the Property immediately before the partial taking,destruction,or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking,destruction,or loss in value, unless Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a)the total amount of the sums secured immediately before the partial taking,destruction,or loss in value divided by(b)the fair market value of the Property immediately before the partial taking, destruction,or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction,or loss in value is less than the amount of the sums secured Immediately before the partial taking, destruction, or loss in value,unless Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the Opposing Party(as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice Is given,Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument,whether or not then due. "Opposing Party"means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. 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 Borrowerwho co-signs this Security Borrower Initials: PENNSYLVANIA--Single Family DocMagicegw=800.649-1362 Fannie Mae/Freddle Mac UNIFORM INSTRUMENT-MERS www.docmeg/c.com Form 3039 01/01 Page 10 of 17 6K 1978PG2784 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 Leader and any other Borrower can agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing,and is approved by Lender,shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release In writing. The covenants and agreements of this Security Instrument shall bind(except as provided in Section 20)and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for servicesperformed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including,but not limited to,attorneys'fees,property inspection and valuation fees. In regard to any other fees,the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan Is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the Interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge(whether or not a prepayment charge Is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument Is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law;Severability;Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and Iimitations 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 Borrower Initials• �Sd=6 — P- PENNSYLVANIA–Single Family RocMagic 800-649-1362 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmagfc.cum Form 3039 01/01 Page 11 of 17 8l� ! 978PG2785 i Instrument or the Note conflicts with Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As.used in this Security Instrument: (a)words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender;(b)words in the singular shall mean and include the plural and vice versa;and(c)the word"may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property,including,but not limited to, those beneficial interests transferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. H Lender exercises this option,Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice Is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of, (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate;or(c)entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred;(b)cures any default of any other covenants or agreements;(c)pays all expenses Incurred in enforcing this Security Instrument,including, but not limited to, reasonable attorneys'fees,property inspection and valuation fees,and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument;and(d)takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument,and Borrower's obligation to pay the sums secured by this Security Instrument,shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a)cash;(b)money order;(c)certified check,bank check,treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,Instrumentality or entity;or(d)Electronic Funds Transfer. Upon reinstatement by Borrower,this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note;Change of Loan Servicer;Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument)can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer")that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument,and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer,the address to which payments should be made and any other Borrower Initials: Stj __ Z-- a3 PENNSYLVANIA—Single Family AocMagic 800-649.1352 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT.MERS www.docmagic.com Form 3039 01/01 Page 12 of 17 B�tI978PG2786 Y , s � information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence,join,or be joined to any judicial action(as either an individual litigant or the member of a class)that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of,or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party(with such notice given in compliancewith the requirements of Section 15)of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances,pollutants,or wastes by Environmental Law and the following substances: gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides,volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous Substances, or threaten to release any Hazardous Substances,on or in the Property. Borrower shall not do,nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c)which, due to the presence,use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). 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 parry 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 Borrower Initials:� PENNSYLVANIA—Single FamilyDocMagic Hftwu=800-649.7352 Fannie Mae/Freddle Mac UNIFORM INSTRUMENT-MERS www.dacrosglc.com Form 3039 01/01 Page 13 of 17 6KI978PG2787 J Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of,among other things: (a) the default; (b) the action required to cure the default; (c)when the default must be cured;and(d)that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the-right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22,including, but not limited to,attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument,this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence,Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower,to the extent permitted by Applicable Law,waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a 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. Borrower Initials: PENNSYLVANIA--Single Famll DocMaglc 01 O20=WO.648.7362 Fannie Mae/Freddie Mac UNIF�RM INSTRUMENT-MERS xrwty docmagfc.com Form 3039 01/01 Page 14 of 17 BKI978PG2788 3 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. r (Seal? DOUG SES FFNER -Borrower ELLEN B SHAFFNER .��.. (Seal) -Borrower (Sean l(Sea .Borrower ) -Borrower (Seal) (Seal)-Borrower -Borrower Witness: Witness: WILLIAM G. PERKINS WILLIAM G. nRK PENNSYLVANIA--SIn le Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS AocMagic wo.�9.*cz Form 3039 01/01 Page 15 of 17 www.docmagic.com 8K 978PG2789 COMMONWEALTH OF PENNSYLVANIA ) )SS: COUNTY OF CUMBERLAND COUNTY ) On this the 27TH day of DECEMBER, 2006 , before me, WILLIAM G. PERKINS the undersigned officer,personally appeared DOUGLAS E SHAFFNER, ELLEN B SHAFFNER known to me(or satisfactorily proven)to be the person(s)whose name(s)istare subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seals. Signature COMMONWEALTH OP PENNSYLVANIA Notarial Seal wlilamQPerkins NotaryFublio WILLIAM G. PERKINS,NOTARY PUBLIC Elizabethtown Boro, Lancaster County My Commission Expires Dec.24,2009 Title of Officer M ber,Pennsylvania Assodation of Notaries (Notary's Stamp and Embosser) My commission expires:DECEMBER 2 4,2 0 0 9 PENNSYLVANIA—Single Family DocMaglc 800-649.1362 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS www.docmagla.aom Form 3039 01/01 Page 16 of 17 UR I978PG2790 Certificate of Residence of Mofteee The undersigned hereby certifies that: (i)he/she is the Mortgagee or the duly authorized attorney or agent of the Mortgagee named in the within instrument;and(it)Mortgagee's precise residence is: 101 EAST MAIN STREET, MOUNT JOY, PENNSYLVANIA 17552 Witness my hand this day of Wa signattwU M gagee or Mortgagee's Duly Authorized Attorney orgen MLA Wr.AA4 1 Type or Print a of Mortgagee or Mo gagee's Duly Authorized Attorney or Agent PENNSYLVANIA--Single FamilyDocMagfc 900-649.7362 Fannie Mae/Freddie Mac UNIFRM INSTRUMENT-MERS www.docmagfc.com Form 3039 01/01 Page 17 of 17 891978PG279 I y Loan Number: 0611150030 Date: DECEMBER' 2 7, 2006 Property Address: 342 AIRPORT RD, SHIPPENSBURG, PENNSYLVANIA 17257 1 EXHIBIT "A" LEGAL DESCRIPTION All those two certain tracts of land situate in the Township of Southampton,County of Cumberland, Pennsylvania,Iorown as 342 Airport Road,Shippensburg;Southampton Township,Cumberland County,Pennsylvania,bounded and described as follows: TRACT NO. 1:BEGINNING at a point in the center of the Pine Road at corner of land now or formerly of Larry Rosenberry and Gloria Rosenberry,his wife;thence along the Pine Road in Eastwardly direction 100 feet to a point in said road at land'now or formerly of Scott Wolfe;thence at right angles to said road, 150 feet in a Northerly direction along lands now or formerly of the.said Scott Wolfe to an iron pin,-thence in a Westerly direction and parallel to the said road,100 feet by land now or formerly of Scott Wolfe,to an iron pin at corner of land now or formerly of Larry Rosenberry and Gloria Rosenberry,his wife;thence in a Southivardly direction and at right angles to the aforesaid road by land now or formerly of Larry Rosenberry and GloriaRosenberry,his wife, 150 feet to the place of BEGINNING in the aforesaid road. TRACT NO.2 BEGINNING at an iron pin at corner of lands now or formerly of Larry Rosenberry and Gloria Rosenberry and land now or formerly of Anna M.Helm;thence along land now or formerly of Larry Rosenberry and Gloria Rosenberry,North 00 degrees'20 minutes West 135.8 feet to an iron pin at lands now or formerly of Larry Rosenberry and Gloria Rosenberry;thence by Rosenberry land,North 89 degrees 05 minutes East 100 feet to an iron pin at lands now or formerly of I Scott Wolfe;thence by lands now or formerly of Wolfe,South 00 degrees 20 minutes West 138 feet to i an iron pin;thence by other lands now or formerly of Anna M.,Helrn,North 89 degrees 40 minutes West 100 feet to the place of BEGINNING. Being that same real estate that Roy E.Bailey and Patricia A.Bailey,husband and wife,by their deed dated July 09,2004,and recorded September 21,2004 in the Office of the Recorder of Deeds in and for Cumberland County,Pennsylvania in Deed Book 1881 Page 2225,granted and conveyed unto j Douglas E.Shaffner,in fee. JI Being Parcel No.39-13-0104-026 1 i 8It 1978PG.2792 ti • Yr (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by addg in SIX AND 950/1000 percentage points( 6.950 966)to the Index. The Note Holder will then round the result of this addition to the nearest one-eigbth of Cu 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 first Change Date will not be greater than 9-950 %or less than 6-950 %. Thereafter,my interest rate will never be increased or decreased on any single Change Date by more than ONE AND 000/1000 I have been paying for the preceding per entage points( 1.000 %)from the rate of Interest 13.950 % g months. My interest rate will never be greater than (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 I 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 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 Borrower initials: MULTISTATE ADJUSTABLE RATE RIDER—LIBOR SIX-MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL) faocMagla eaasaarasz Single Family--Fannfe Mae MODIFIED INSTRUMENT ww+a.doemagic.com Form 3'138 1101 Page 2 of 3 B1t D 978PG2794 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, bender 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) DOUG E FNER -Borrower ELLEN B SKAFFNER (Sea]) -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower ((MULTISTATE ADJUSTABLE RATE RIDER--LIBOR SIX-MONTH INDEX SA g eUBLISHED IN Mae MODIFTHE WALL IED INSTRUMENT LVoMa9 MET � �'6da1se2 www.docmagic.cam Form 3138 /01 Page 3 of 3 BKI978PG2795 a � • PREPAYMENT PENALTY RIDER Loan Number:061115003 0 Date:DECEMBER 27, 2006 Borrower(s):DOUGLAS E SHAFFNER, ELLEN B SHAFFNER 2006 THIS PREPAYMENT RIDER(the "Rider")is made this 27th day of DECEMBER ,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 repayment of Borrower's promissory note (the "Note") in favor of HOME TEAM FINANCIAL, LLC ("Lender"). The Security Instrument encumbers the Property more specifically described in the Security Instrument and located at 342 AIRPORT RD, SHIPPENSBURG, PENNSYLVANIA 17257 [property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument,Borrower and Lender further covenant and agree as follows: A. PREPAYMENT CHARGE The Note provides for the payment of a prepayment charge as follows: . BORROWER'S RIGHT TO PREPAY, PREPAYMENT CHARGE I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder In writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under the Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount,before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment,there will be no changes in the due dates of my monthly payment unless the Note Holder agrees in writing to those changes. If the Note contains provisions for a variable interest rate,my partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However,any reduction due to my partial Prepayment may be offset by an interest rate increase. If this Note provides for a variable interest rate or finance charge, and the interest rate or finance charge at any time exceeds the legal limit under which a Prepayment penalty is allowed, then the Note Holder's right to assess a Prepayment penalty will be determined under applicable law. MULTISTATE PREPAYMENT PENALTY RIDER 04/30/04 Page 1 of 2 DocMaglc e7a=goa649.rss2 www.docmagic.com OKI 9780'-2796 c 94 I£within TWENTY-FOUR ( 2 4 of the Security Instrument I make a full prepayment,I will n asy a from p the date of execution amount equal to FIVE .AND 000/1000 p charge in ) of the original Principal amount of the Loan." pee rcent( 5.000 %) Rider. BY SIGNING BELOW,Borrower accepts and agrees to the terms and provisions contained in this a✓11u DOUG E SHAFFNER (Seal) (Seal) -Borrower ELLEN B SHAFFNER -Borrower (Seal) (Seat) -Borrower -Borrower i (Seal) (Seal) -Borrower -Borrower I Certify this to he rn,.,,.•r1 In C )mhe-'t- ,)Ltilt j A MULTISTATE PREPAYMENT PENALTY RIDER 04/30/04 Q Page 2 of 2 800.649.7362 1 o www.doemaglaxon7 S%ire Recorer o f T1-rv1, B [ 978PG2797 EXHIBIT "C" V 04-03-'14 14;11 J=-n; r'#-W;., n33-Mb n7:3 T-810 P0032/0043 F-010 JAI A41 Prepared By:Marsha Dorsey McCabe Weisberg&Conway,P.C. Suite 2080 123 South Broad Street Philadelphia,PA 19109 Record and Return To: McCabe Weisberg&Conway,P.C. Suite 2080 123 South Broad Street Philadelphia,FA 19109 Attn:Marsha Dorsey Parcel#30-13-0144-026 Loan Number: Assignment of Mortgage Effective Date of Assignment November, 10,2007 For Value Received,the undersigned holder of a mortgage,Mortgage Electronic Registration Systems,Inc.,as nominee for Home Team Financial,LLC,whose address is P,O.Box 2026 Flint,MI 48501 does hereby grant,sell,assign,transfer and convey without warranties of any nature whatsoever and without recourse,unto The Bank of Now York for the Benefit of the CWABS,Inc.Asset. Backed Certificates,Series 2007-1 whose address is 1800 Tapo Canyon Road,Mail Stop#SV- 103,Simi Valley,CA 93063 a oertain Mortgage dated 12-27-2006 made and executed by:Douglas E.&Ellen B.Shaffner upon the following described property situated in Cumberland County,Commonwealth of Pennsylvania:which has the address of 342 Airport Road,Shippensburg,PA 17257 04-03-`14 14;1: T-810 P0033/0043 F-010 I do hereby certify that the precise address of The Bank of New'York for the Benefit of the CWABS,Inc.Asset-Backed Certificates,Series 2007-1 whose address is 1800 Tapo Canyon Road,Arlan S p#SV-103,Simi Valley,CA 93063 Attested B I PUM.shmi such Mortgage having been given to secure payment of$112,000.00,which Mortgage is of record.in Book# 1978,Page#2775 of the Recorder of Deeds of Cumberland County, Commonwealth of Pecu►,sylvania,together with the note(s)and obligations therein described,the money due and to become due thereon with interest,and all rights accrued or to accrue under such Mortgage.This Mortgage was recorded on 01-05-2007. TO HAVE AND TO HOLD,the same unto Assignee,its successors and assigns,forever,subject only to the terms and conditions of the above-described Mortgage. IN WITNESS WHSREOX+,the undersigned Assignor has executed this Assignment of Mortgage on __, � Mortgage Electronic Registration Systems,Inc.,as nominee for Home Team Financial',LLC (Company) Signature: V/V-41-0- �/Lt.,4� Date: ``T Title: i84MHEA Ft-WEPAF-8=NT 04-03-'14 14:1: T-810 P0034/0043 F-010 FORM OF CORPORATE ACKNOWLEDGEMENT State of TEXA6 }SS: County of caws On this;_day of re3J ._.200%efore me the undersigned officer,pemiWly appearedwho acknowledgod himself or herself to be the Vjj22-4iv.5 of Mortgage Electronic Registration Systems,Inc.,as nominee for Home Team Financial,LLC:, and that he or she as such ' ' e S ,being authorized to do so,executed the foregoing instnuent for the purposes therein contained by signing the name of the corporation by himself or herself as�J;,GQ .nom_ In witness whereof,I#sere unto set my hazed and official seal. �� " NOTARY PUUBBLIC AGAN Expires ,20W E7, 04-03-`14 14:9 T-810 P0035/0043 F-010 Legal Description ALL THOSE TWO CERTAIN TRACTS OF LAND SITUATE IN THE TOWNSHIP OF SOUTHAMPTON, COUNTY OF CUMBERLAND,PENNSYLVANIA,KNOWN AS 342 AIRPORT ROAD,SHIPPENSBURG, SOUTHAMPTON TOWNSHIP,CUMBERLAND COUNTY,PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS: TRACT NO.1:BEGINNING AT A POINT IN THE CENTER OF THE PINE ROAD AT CORNER OF LAND NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY,HIS WIFE;THENCE ALONG THE PINE ROAD IN EASTWARDLY DIRECTION 100 FEET TO A POINT IN SAID ROAD AT LAND NOW OR FORMERLY OF SCOTT WOLFE;THENCE AT RIGHT ANGLE$TO SAID ROAD, 150 FEET IN A NORTHERLY DIRECTION ALONG LANDS NOW OR FORMERLY OF THE SAID SCOTT WOLFE TO AN IRON PIN.;THENCE IN A WESTERLY DIRECTION AND PARALLEL TO THE SAID ROAD, 100 FEET By LAND NOW OF FORMERLY OF SCOTT WOLFE,TO AN IRON PIN AT CORNER OF LAND NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY,HIS WIFE;THENCE IN A SOUTHWARDLY DIRECTION AND AT RIGHT ANGLES TO THE AFORESAID ROAD BY(,AND NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY,HIS WIFE, 150 FEET TO THE PLACE OF BEGINNING IN THE AFORESAID ROAD. TRACT NO.2, BEGINNING AT AN IRON PIN AT CORNER OF LANDS NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY AND LAND NOW OR FORMERLY OF ANNA M,HELM; THENCE ALONG LAND NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY,NORTH 00 DEGREES 20 MINUTES WEST 135.8 FEET TO AN IRON PIN AT LANDS NOW OR FORMERLY OF LARRY ROSENBERRY AND GLORIA ROSENBERRY;THENCE BY ROSENBERRY LAND, NORTH 89 DEGREES 05 MINUTES EAST 100 FEET TO AN IRON PIN AT LANDS NOW OR FORMERLY OF WOLFE, SOUTH 00 DEGREES 20 MINUTES WEST 138 FEET TO AN IRON PIN:THENCE BY OTHER LANDS NOW OR FORMERLY OF ANNA M. HELM,NORTH 89 DEGREES 40 MINUTES WEST 100 FEET TO THE PLACE OF BEGINNING. - 04-03-'14 14:1: T-810 P0036/0043 F-010 ROBERT P.ZIEGLER RECORDER OF DEEDS CUMERLA" C Wff I'COURTHOUSE SQUARE CARLISLE,PA 17013 717-240-6370 + • Instrument Number-200747267 Recorded On IMAM At 10r48:39 AM *'Total Paz".5 Insh%ment Type-ASSIGISIENT OF MORTGAGE Invoice Ntunber-11334 ' User m-mw Mortgagor-MORTGAGE ELECTRONIC REGIS'TxLAT1ON SYSTEMS,INC. *Mortgagee-BANK OF NEW YORK *Customer-MCCABE WELSBERG&CONWAY $UTZ WRIT TAX $0.50 Certification Page STATS scs/access so $10.60 JUSTXCa DO NOT DETACH RECOXWXNG FEES -- $12.06 VIc03sx or nEEas coNTY ARCxrms ME $2.00 This age is now part ROD AMIVES EZE $3.00 of this legal document. TOTAL PAID $27.50 I Certify this to be recorded in Cumberland County�A REa�xn R ID2 •-Iniormtim denoted by an aeterblt may change during the Tatac9don pman and tray not be reflected on thb page. . OOODEN EXHIBIT "D" 0.4_-03-'14. 14:12 T-810 P0040/0043 F-010 PMRE� D PAREanBY&RETURN TO; 1111 Vnem 2860 Em mge Blvd.#100 P03j[1111 SOUdd Akt,TX 76092 Paroel#39-13-0104-026 (CORRECT M Asdgament of Mortgage Sand Any Notices To Assigrmoo. Por Valuable Conaldaation,the undersigned, MORTGAGE EL,ECTAOMC REGMTU ("MM")AS NOM1�11EE FOR>�OME TEA H2 FEYANC TION SYSTEMS,INC. F7iat,M148301 ZOZ6,1901 E.voorhe,a �,�.><7rs SUCCESSORS AND ASSIGNS P.O B.x 2026, Ow,without rommv,to TBE BAND OF NEW YORI{111)EId.ON DajMn% 611834(App)by mase PrOmM does us*and set FOR THE CERTMCATEHO F� BANK OF NEW XORK,AS TRUSS Shed Loan Servicing LLC,8742 LaeeM$lvd.,SuitCWABSe 300 Qf duds aO CER7II+ICATE S mortgage with all ineeresL all Li �' D*CO 801129 �S -I �o ens,any rights due or$o become due th X desori6ed EL.I.RN R 8I3�A It,)4 MBA,Np A,Np .executed E �UCI.AS E SBAFFNER AND (HERS)AS NOMINEE �`�to MOR'IYiAGE EI..ECTRONIC RE(31STRATION SXS',tTM3,INC, FOR NOME TEAM FINANCLAL,I.LC,tI5 SUCCESSORS AND ASSIGNS. Said 2Z/E7/2006 is recorded is the state otPA,Coauryr otcniRbalana oa 115/2007,a Boot 1978 a 2775 AMoe Dated: 1 ECOR.00 'THIS ASSIGNMENT IS BEING 7.e pn EIa TO CORRECT THE ASSIGNEE FROM ASSIQN I's RECORDEb 12/26/2007 IN INSTR#200747267.• Ptvpenty Addmss:342 AIRPORT RD,SILIPPEIVSSURG,PA 17257 Ex W1TN$SS WE)EREOp,the undersigned corpo�0-1t-W hAs causod this insutuaent to be exeeuted by its plop=omcer. EXON on:Dooember 18,2013 MORTGAGE ELEC'IROMC REGISTRATION SYSTEMS,INC.('MM-)AS NOMINEE FOR HOME JUM F!i MCIA4 I.I.C,ITS SUCCESSORS AND ASSIGNS sh1aF1;NER cnw '0120951721�'�IIII'� Robin Mathews,Assistant Souctary 1008236770 MIN 100419506111500301 MERE Fboaxe 888.679.6377 T`e Assignee hereby ecrWle$tbAt the precise sdArePA ss of the mberlaad TBE BANIEC OF NEW Y within named THE BANK OF NEW YORK �#�30A17 ORIS AS TRUSTitE FOR 1'M CERTMCATEBOL.DERS OF TBE CW AK CERTDgCA3TL%SERIFS 200'7-1 is do Specialised Loma ABS,INC.,ASSET. Meblands Rab*CO 80229. �rviang 2d.C,8742 LoeeRt Blvd.,Suite 3(q 04-03—'14 14:12 T-810 P0041/0043 F-010 PREPARED BY A RETURN TO: M.E.Wileman - 2840 Exchmp Blvd N 100 Sout w9c.TX 78092 Paned#13913-0104-026 (CORucrrm Stato ofTexas,County of Taaaot On Deoeanber 18,2013,before me,the un4ersigxi4 Pei"1Y appeared Robin Mathews,who ac)mowlcd8ed that he/she Is Assistant Secrdwy o9 for MORTGAGE EXCTRONIC REGIST[tAT10N SYSTEMS,INC.(-MERS1 AS NOMINEE FOR HOME TEAM FINANCIAL,LLC,ITS SUCCESSORS AND ASSIGNS sad tbat fielslae executed the foregoing instrument and Haat sack cxewWon was dont as the Eroc act and deed of MORTGAGE ELECTRONIC REGIMU77ON SYSTEMS,INC.("MERS-)AS NOMDME)FOR HOME TEAM 1:IKANCIA4 LLC,ITS SUCCESSORS AND ASSIGNS . Y.M.LYNN Notary Public,Ststo of Texas MYComr>'+issiorlExvnes •• 06top81 18,2014 Notary public,K M.L My commission expires:October 18,2014 120951724 1008236770 MM 100419506111500301 MFRS Phony 888.679.6377 PA Cumberland SWASMf/OM05017 The Asdpaee hereby cel fky thaf the predw address of the w thin nazeed THE RANK OF NEW YORK MELW FKA THE BANK OF NEW YORK,AS TRUSTEE FOR TIME CERTRICATEHOLDERS O.F TW CWABS,INC.,ASSET BACIIWD CERMCAT•'&4,SERIES 2007-1 is eb Specialized Loon Se "dgg LLC,8742 Imam DW,Saito 300, Mgmnae Rough,CO 80129. • 04-03-'14 14:1; T-810 P0042/0043 F-010 ROBERT P. ZIEGLER RECORDER,OF DEEDS CUMBERLAND COUNTY X COURTHOUSE SQUARE CARLISLE,PA, 17413 717-240-b370 - Instrument Number-201340319 Recorded 0111212612013 At 1:26:48 PX "Total Pages-3 *Instrumemt Type-ASSIGNMENT OF MORTGAGE luvoice Number-153691 User ID-RZ *'kortgagor-SHAFFNER,DOUGLAS E *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEM$INC *:Customer-ORION FINANCIAL GROUP INC *1rE8S .3TA'TE `FRIT TAX $0.50 Certification Page '$TATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETAM '.RECORAINa FESS $11.'30 , 'RECORDER OF DEEDS �lliS page is now art PARCEL CERTIFICATION $15.00 p � p FEES of this legal document. COUNTY ARCHIVES FSE $2.00 ROp ARCHIVES FEE $3.00 f}TAL PAID $55.50 I Certify this to be recorded in Cumberland County PA nEcoRDrR o n . .. . raso •-fbfOrMAU011 deaoted by an utetldc play thsige duriag the verification process and may not be reflected oa this page. 003UV9 I (IIiII��INII���ll�lll • Wn.r..,-..-�.�w v..r... ... ..L w.Ky.wwgvw.w✓.Y.W Yrw-wy/.r.«:-M. +.-+N-ew_yr.+y_..prY+w-YSr•]•Y.yy..,y.r.rw.w 1 EXHIBIT "E" • - Iillllll{fl{�III�NII�flllll{81�1{l�INlf I{ill{I{11111{II{1111{{IflNll{Illli 610 147047209 MOD 001 001 Vie]Countrywide- . December 13,2007 DOUGLAS E&-ELLEN B SHAFFNER 342 Airport Rd Shippensburg PA 17.257-9000 RE: CHLP Loan# 147047209 Property Address: 342 AIRPORT RD SHIPPENSBURG,PA 17257 Dear DOUGLAS E&ELLEN B SHAFFNER We are pleased to advise you that your loan modification has been approved: In order for the modification to be valid,the enclosed.documents need to be signed,notarized, and returned with the requested certified funds. The following amounts will be added to your current principal balance,resulting in a modified principal balance of$113,449.49 prior to your first payment date. The amount added to your loan is: Interest: $1,918.45 Fees: $0.00 Escrow: $0.00 Total: $1,918.45 Your new modified monthly payment wilr be$903.38,effective with your February 1,2008 payment. This payment is subject to change if your escrow account is reanalyzed or if you have a step-rate or adjustable rate loan type. A breakdown of your payment is as follows: Principal and Interest: $758.76 Escrow Items: $144.62 Optional Insurance: $0.00 Total Payment: $903.38 The following amounts must be paid in CERTIFIED FUNDS in order for the modification to become effective: Modification Fee: $0.00 Title and Recording Fees: $0.00 Delinquent Escrow: $1,155.85 Foreclosure Fees: $1,542.00 Bankruptcy Fees: 00 $0. Field Inspection Fees: $1.00 Outstanding Late Charges: 17.50 $111.21 NSF/Misc. Fees: $20.00 Delinquent Mortgage Payment(s): $2 .00 91.48 Modified Mortgage Payment(s): $0.00 Partial Payment: Total Amount Due: $5,670 04) $5,000 0-0 This offer is contingent on the following: • Copy of your most recent supporting income receipts(pay stubs). If you are self- employed,please include the last 2 quarters of your Proof and Loss Statements(PL Statements). If you have recently secured new employment,please include a letter from • your employer verifying net and gross income. Piease.do not send originals. CHLP Loan# 147047209 Page I of 2 6 40(. { N CountlylAl der • A lender's title insurance policy or endorsement,which insures the Modified Mortgage as a valid lien in accordance with our requirements. If you have any other encumbrances on the property,then you may be required to obtain agreements by which other secured creditors subordinate their interest to the Modified Mortgage. This offer is contingent upon Countrywide Home Loans Servicing LP receiving relief from the Automatic Stay for any bankruptcy in which the property referred to in the Loan Modification Agreement is included at the time of the modification. If any issues arise between the date of this commitment and the date on which all of the terms and conditions of this letter are finalized, including,but not limited to,deterioration in the condition of the property,lawsuits, liens,additional expenses and defaulted amount,then we may terminate this offer and pursue all collection action,including foreclosure. This letter does not stop,waive or*postpone the collection actions,or credit reporting actions we have taken or contemplate taking against you and the property. In the event that you do not or cannot fulfill ALL of the terms and conditions of this letter no later than December 28,2007,we will continue our collections actions without giving you additional notices or response periods. The following documents have been enclosed: D Modification Agreement -must be signed in the presence of a notary. The notary acknowledgement must be in recordable form.All parties who own an interest in.the property must sign the modification agreement,whether or not they are the "borrower". Sten Rate Modification Addendum -All parties who own an interest in the property must sign an addendum,whether or not they are a"borrower". Automatic Pavmeut Application-must be completed and signed by all-the borrowers -as this gives Countrywide Home Loans Servicing LP authorization to automatically withdraw your monthly mortgage payment from your checking account each month. Please be sure to specify the date you would prefer the payment withdrawn. Please return all of the enclosed documents to us in the enclosed pre-paid FED EX envelope no later than December 28,2007 together with a certified check or money order(with loan number on the check)in the amount of$5,000.00 to the following address: Countrywide Home Loans Servicing LP We.look forward to receiving all of the required documents and funds before the deadline and to restoring your account to a current status. If you have any questions about this letter or the enclosed documents,.please call (800)669-6087. Home Retention Department Ifyour loan was in default at the time your loan was acquired by Countrywide home Loans Servicing LP,please be advised that Countrywide Homo Loans Servicing LP is a debt•collector,we are attempting to collect a debt and any information Countrywide Home.Loans Servicing LP obtains will be CHLPLoan# 147047209 Page 2 of 2 C ' RECORDING REQUESTED BY: Countrywide Home Loans Servicing LP f i Loan#: 147047209• INTERNAL USE ONLY-------_-_. ...... _-._.... .._____.�..�.._................ LOAN MODIFICATION AGREEMENT (Adjustable Interest Rate) This Loan Modification Agreement("Agreement"), made this 13th day of December 2007, between DOUGLAS E SHAFFNER, ELLEN B SHAFFNER and Countrywide Home Loans Servicing LP(Lender), amends and supplements(1)the Mortgage, Deed of Trust,or Deed to Secure Debt(the Security Instrument), dated the 27th day of December 2006 and in the amount of$112,000.00 and(2)the Note bearing the same date as, and secured by, the Security Instrument,which covers the real and personal property described in the Security Instrument and defined therein as in the'Property', located at 342 AIRPORT RD,SHIPPENSBURG, PA 17257. The real property described being set forth as follows: SAME AS IN SAID SECURITY INSTRUMENT In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows(not withstanding anything to-the contrary contained in the Note or Security Instrument): 1. As of the 1 st day of February 2008, the amount payable under the Note or Security Instrument(the"Unpaid Principal Balance") is U.S. $113,449.49 consisting of the amount(s)loaned to the borrower by Lender and any interest capitalized to date. 2. The-Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance from-the 1 st day of January 2008. The Borrower promises to make monthly payments of principal and interest of U.S. $758.76 beginning on the 1st day of February 2008. The interest rate and monthly payment will adjust in accordance with the Note,Adjustable Rate Rider and any other loan document that Is affixed to or incorporated into the Note and Rider and provides for, implements or relates to any change or adjustment in the interest rate and month) ment amount under the Note. If 1 st day of January 2037(the"Maturity Date"), the Borrower still owes amounts is under the Note and Securriity the Instrument,-as amended by this Agreement, the Borrower will pay these amounts in full on the Maturity Date. 3. The Borrower will make such payments at 450 American Street, Simi Valley, California 93065 or at such other Place as the Lender may require. 4, if all or any part of the Property or any interest in it is sold or transferred (or if a beneficial Interest in the Borrower is sold or transferred and the Borrower is not a natural person)without the Lender's prior consent, the Lender may,at it's option,require immediate payment In full of all sums secured by this Security Instrument. If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration.The notice shall .provide a period of not less than 30 days from the date the notice is delivered or mailed within which the Borrower must pay ail sums secured by this'Security Instrument. If the Borrower falls to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by the Security Instrument without further notice or demand gn-the Borrower. 5. The [Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without•limitation, the Borrower's-covenants and agreements to make all payments df taxes, insurance premiums, assessments,escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument. CHLP Loan# 147047209 Page 1 of 2 art of 6. Nothing in this agreement shall be understood or construed to be a satisfaction or release in whole or to an the Note and Security iinstrument. Ex i remain unchang,ceedaand the Borrower and s otherwise Le de will bed in e bound by anis d comply and Security Instrument all terms.and provisions-thereof, as amended by this Agreement. document 7: In to and/or M consideration oM is Modification, d, misBorrower t ted reestinaccuraif tely reflects the related rue andthe corect terms instrument, Note and/or Mo on the request of the Lender, Borrower(s)will comply conditions of the loan,oris otherwise missing up Lender's request to execute acknowledge,initial and deliver to Lender any documentation-Lender deems necessary to inaccurate or otherwise I omisso ern to correct r placed hiepLender herebyendemnifies the Borrower(s)againstrnissindocument(s). osst(s). If the original p rY Lender r borrower(s) shall r referred associatedemand on original tver the Doumentswi within ten(10)days afteec(pt byBoower(s) to as Documents. Borrower to of a written request f0f such replacement. As evidenced-by their signatures below,-the Borrower and the Lender agree to the foregoing. 07 _ D UGLDated 19`a O S 6HAF Dated ELLEN B SHAFFNER L STATE OF COUNTY O sa�� before me, • i Notary Public, personally app eare ,as s Of satis! -- ,�a , t\SI tt personally risme subs known ibed to (o w thin i to me 0 twhose tandbacknow edged me that he/shvi e/hey xeth cuted therson e same to bet e in,name his/her/their authorized capacity(ies),and that by his/her/their signatues(s)on the instrument the person(s),or entity upo half of which the person(s)acted,executed'the Instrument. C011111ONWEALT11 OF PENNSYE.YAt Notarial Seal WITN SS my h and official se Dorothy�Huntingdon oubnt My Cointnission Expires m 23 2g } Sign ure 'M» «• ...,..w..+.+'+.*«+.*•*"--ANrMtft-Pb 9yXWaXi;odntron ofNotarl" Country a Home Loans Se Ong LP Dated_ V By;. _ LGd�{�1.6 II, ' 1 1 CHLP Loan# 147047209 Page 2 of 2 EXHIBIT A All d we tm+ate tis of land attoft is tk Towaft of Soma,Coudy of C�unberl�d, Pennsylvania,known as 342AirportRoA SM&MptMTt Cwaxdmd Curdy,Pc msylvm*bounded snd de59bed as follows: TRACT No. 1:Rl?� O at a pWm in dw mw of the Pint Road at mm of land now or 1y of Larry Rombwy and Glcnia Rmsbaq,his w*&me along,the Pint Road in Ewbmrdy director 100 fat to a point in asid rand at land now or fbnmly of Scott Wolfe;ice at rift tunas to said rot4 150 foal is a NmIW*mon&WAg Ian&pc w at Orly offt said Scott Wolfe to an WM pin;64905 in a W42ftrly dk=dM and parallel to the NO tOOk 100 ft by kap now or hmierly of Sem Wolfe.,to an fi=pin at wou ofW d now or fly ofi,arcy Rost ul�Pad Gloria Rosedbetry,his wife; it Soudmardly&wWA sad at 6&angin to the af=Wd road by land naw or formerly ofterry Rosen'bem trd Gloria Rc bem,his wife,150 Trot to the place of BBGINMO in ft afteadd mad. TRAM NO. 2 BBOWNING xt an iton pia at comer of lon&now or fvmutly of Larry Rosenberry and Glut Re. enbe=ry aaad land now or Jonmly of Anna hC Helm;&ence a1mg land now syr fonrWly Of IM7y Rombcny and Glais Rosab aVt North 00 alcg m 20 West 135.8&K to an iron pip at lands now or founedy of Larry Roseubmy and Ole&Rome ,*no by R wubem Ian,North 89 dam=45 Rost 100 feet to an iron pia at kt u&ww or formerly of Scott'Wolfe;dMW Oy horde now or formerly ofWolfe, South 00 degrees 20 zintesWest 138 fak to an iron pin;thence by Other UU&now or for=rly of AMA K Kelm,North$9 ftm=40 mimrie s West 100 feet to the place of RRGMUNG. Beft that sanx reel est0e;Got Roy L$afty and Patricia A.Bey,husband incl wife,by fir dad slated My 09,2004,and rwArdcd SepftM%W 21,2©04 ion,the intoe of lite Rwosdier of Meds in ad for Cunaheximd CODUW,Pcmy3vatis is Deed Book 1881 Page 2225,wed and conveyed unto tousles L SbAffiwr,in fat, Being Parcel No. 3943.01"06 11/26/13 1008236770 0455724 000002286 09SCR4 0068493 Pg 3 of 8 YOU SHOULD FiLE A HEMAP APPLICATION AS SOON AS POSSIBLE. iF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THiS NOTICE AND FILE AN APPLICATION WiTH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WiLL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, iN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RiGHT TO FiLE A HEMAP APPLICATION EVEN BEYOND THESE TiME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT iF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TiME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WiLL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance arc very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if,you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date.) NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at: 342 Airport Rd Shippensburg, PA 17257 iS iN SERIOUS DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the 1 following amounts arc past due: Number of Delinquent Payments: 7 since 05/01/13 6 287.96 -Late Char es Due: 215.67 Recoverable Co rate Advances: 30.00 —a Escrow Advances: 3 187.32 Other Fees: S Phone NSF Pro rtIns ions ctc. 0.00 Less: Funds in Una lied 0.00 i = Total Amount Due: $6,533.63 i YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: Not Applicable HOW TO CURE THF DEFAULT--You may cure the default within THIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHiCH iS $6,533.63 Calculated Total Due (583-602) PLUS ANY OTHER MORTGAGE PAYMENTS AND j LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)DAY PERIOD. Payments must be made either by cashier's check, certified check or money order made,payable and sent to: 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 I i 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 I 11/26/13 1008236770 0455724 000002286 09SCR4 0068493 Pg 5 of 8 ASSUMPTION OF MORTGAGhr-You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs arc paid prior to or at the sale and that the other requirements of the mortgage arc satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. *THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED TO THIS LETTER* NOTICE REQUIRED BY THE FAIR DEBT COLLECTIONS PRACTICES ACT, 15 U.S.0 % 1601 (AS AMENDED) THE PENNSYLVANIA UNFAIR TRADE PRACTIECES ACT AND CONSUMER PROTECTION LAW 73 PA. CON. STAT. ANN%201, ET-SEQ. ("THE ACTS") For your protection, please be advised that we are attempting to collect a debt and any information obtained will be used for that purpose Attention to any Customer in Bankruptcy or who has rcccivcd a bankruptcy discharge of this debt: please k be advised that this notice constitutes neither a demand for payment of the captioned debt nor a notice of Npersonal liability to any recipient hereof who might have received a discharge of such debt in accordance s with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the �. United States Bankruptcy Code, however, it may be a notice of possible enforcement the lien against the collateral property, which has not been discharged in your bankruptcy. SERVICE MEMEBERS' CIVIL RELIEF ACT NOTICE —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. You are hereby notified that this default and any other legal action that may occur as a result thereof, may be reported by Specialized Loan Scricing, LLC to one or more credit reporting agencies. Sincerely, Customer Resolution Department 1-800-306-6062 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002286 09SCR4 0068493 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUNTBERLAND County Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888-511-2227 Community Action Committee of Capital Region 1514 Derry Street Harrisburg, PA 17104 717-232-9757 Housing Alliance of York/Y Housing Resources 290 West Market Street York,PA 17401 717-855-2752 Maranatha 43 Philadelphia Ave Waynesboro, PA 17268 717-762-3285 PA Interfaith Community Programs Inc 40 C High Street Gettysburg, PA 17325 717-344-1518 PH FA 211 North Front Street Harrisburg, PA 17110 717-780-3940 800-342-239 8742 Lucent Blvd., Suite 300,Highlands Rauch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002286 09SCR4 0068493 Pg 7 of 8 V THIS PAGE INTENTIONALLY LEFT BLANK a ' � N 1 'I ! 7 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 9307 1200 1910 0002 1854 70 Douglas E Shaffner 342 Airport Rd Shippensburg PA 17257-9000 Specialized Loan Servicing USPS CERTTFIED MAIL"" FIRST-CLASS MAILU.S. POSTAGE AND Ste. 300 Lucent Blvd FEES PAID Ste. NCP Highlands Ranch, CO 80129 9307 1200 1910 0002 1854 70 RETURN RECEIPT REQUESTED DOUGLAS E SHAFFNER 342 AIRPORT RD SHIPPENSBURG PA 17257-9000 '��111��1'I'1111111'1111'�'�I1�11�11�"I'II�IIII�I11"�I1��11�11� 0455724 000002286 09SCR4 0068493 � n 11SLS P 1 ofx 8742 Lucent Blvd.,Suite 300 Pg Highteads Reach,00 80129.2386 1-800-315-4SLS(4757) + 0455724 000002287 09SCR4 0068497 ELLEN B SHAFFNER 342 AIRPORT RD SHIPPENSBURG PA 17257-9000 'llll�l�u�l��i�ll�'III'll'I�'II�I�'InIuI��I�hIJ���lillllill� November 26, 2013 COMBINED ACT 6 / ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To sec if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING ACGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies Servicing your County are listed at the end of this Notice If you have any questions, you may call the Pennsylvania .� Housing Finance Agency toll free at: 1-800-342-2397. (Persons with impaired hearing can call (717- 780-1869). S This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it.You may also want to contact an attorney in your arca. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACiON OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 8742 Lucent Blvd., Suite 300, Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 HOMEOWNER'S NAME(S): Douglas E Shaffner Ellen B Shaffner PROPERTY ADDRESS: 342 Airport Rd Shippensburg, PA 17257 LOAN ACCT. NO: 1008236770 ORIGINAL LENDER: Bank Of America CURRENT LENDER/SERVICER: Specialized Loan Serving LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OFZORECLOSURE,-Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30)days from the date of this Notice (plus three (3) days for mailing). During that time, you must arrange and attend a"face-to-facc" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT," EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. S--If you meet with one of the consumer credit CONSUMER_CRE DTC COUNSFI ING AGENCIE. counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30)days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one facc-to-face meeting. Advise your lender immediately of your intentions. APPI ICATI)N FO R MORTGAGE ASSISTANCE,-Your mortgage is in default for the rcations set forth later in this Notice (sec following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30)days of your face-to-facc meeting with the counseling agency. 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 Pg 3 of 8 YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATIORON WITH PHFA WI'T'HIN 30 DAYS OF THAT MEETING, ARILY PREVENTED FROM STARTING A THEN THE LENDER WILL BE TEMP FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED ,TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A N, UT IF YOUR APPLICATIONFORECSURE ACTIO TIME BEFORE A SHERIFFEVENTUALLY S SALE, THE ORECLOSUREI WILL BE STOPPED.PROVED AT ANY AGENCY CTION--Available funds for emergency mortgage assistance arc very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date.) N_ATURE DI-IDEFAULT--The MORTGAGE debt held by the above lender on your property located at: 342 Airport Rd Shippensburg, PA 17257 1S IN SERIOUS DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts arc past due: R mber of Delinquent Payments: 6287.96 ince 05/01/13 215.67 te Char cs Duc: 30.00 coverable Co rate Advances: $3 187.32 crow Advances: her Fees: 0.00 s r Phone NSF Pro rt Ins ctionc ctc. 0.00 Less: Funds in Un lied $6,533.63 Total Amount Due: YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: Not Applicable gO�,p19—cum F ATF.DFFAULT--You may cure the default within THIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6,533.63 Calculated Total Due (583-602) PLUS ANY OTHER MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)DAY PERIOD. Payments must be made either by cashier's check, certified check or money order made payable and sent to: 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 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 r 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 You can cure any other default by taking the following action within THIRTY (30)DAYS of the date of the letter: Not Applicable. IF OU DO NOT UUF THF DFFAUI T--If you do not cure the default within THIRTY (30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. if full payment of the total amount past due is not made within THIRTY (30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgagcd property. IF E MO RTGAGE rc>aORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. if the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to$50.00. However, if legal proceedings arc started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. if you cure the default within the THIRTY (30)DAY period, will not be required to pay attorney's fees. OTHER I FNDFR REMEDIES--The lcndcr may also suc you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO('URF THF,_AT�AULT PRIOR TO SHF IS if you have not cured the default within the THIRTY (30)DAY period and foreclosure proceedings have begun, you s�ti11 have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorneys fees and costs connected with the foreclosure sale and any other costs connected with the Shcriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. FART IFST POSSIRL� � RIFF'S SAI F DATF�-it is estimated that the earliest date that such a Shcriffs Sale of the mortgaged property could be held would be approximately (five) 5 months from date of Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the tender. IOW TO�ONTACTSHF T ENDER/SERVISER: Nameof Lender/Serltricer P e iBizedox 26 oa Servicing LLC Address: Littleton, CO 80163-1130 Phone Number• 1-800-306-6062 Fax Number: 1-720-241-7220 Contact EMMO.M. Customer Resolution F-mail Address- E. ECT 41+ CHFRiEES SAL.,--You should realize that a Shcriffs Sale will end your ownership of the mortgaged property and your right to occupy it. if you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 Pg 5 of 8 AS APTION OF MORTGAGFI-You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs arc paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THiS DEBT. TO HAVE THiS DEFAULT CURED BY ANY THiRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS iF NO DEFAULT HAD OCCURRED, iF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE MS RiGHT TO CURE YOUR DEFAULT MORE THAN THREE TiMES iN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT iN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER, TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. *THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED TO THiS LETTER* NOTICE REQUIRED BY THE FAIR DEBT COLLECTIONS PRACTICES ACT, 15 U.S.0 % 1601 (AS AMENDED) THE PENNSYLVANIA UNFAIR TRADE PRACTiECES ACT AND CONSUMER PROTECTION LAW 73 PA. CON. STAT. ANN %201, ET.SEQ. ("THE ACTS") For your protection, please be advised that we arc attempting to collect a debt and any information obtained will be used for that purpose Attention to any Customer in Bankruptcy or who has received a bankruptcy discharge of this debt. please Q be advised that this notice 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,however, it may be a notice of possible enforcement the lien against the collateral property, which has not been discharged in your bankruptcy. SERVICE MEMEBERS' CiViL RELIEF ACT NOTICE —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. You arc hereby notified that this default and any other legal action that may occur as a result thereof, may be reported by Specialized Loan Scrieing, LLC to one or more credit reporting agencies. Sincerely, Customer Resolution Department 1-800-306-6062 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND County Advantage Credit Counseling Servlce/CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888-511-2227 Community Action Committee of Capital Region 1514 Derry Street Harrisburg, PA 17104 717-232-9757 Housing Alliance of YorklY Housing Resources 290 West Market Street York,PA 17401 717-855-2752 Maranatha 43 Philadelphia Ave Waynesboro, PA 17268 717-762-3285 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717-3441518 PH FA 211 Nortb Front Street Harrisburg, PA 17110 717-780-3940 800-342-239 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado 80129 PH(800) 306-6062 11/26/13 1008236770 0455724 000002287 09SCR4 0068497 Pg7of8 THIS PAGE INTENTIONALLY LEFT BLANK N Q M O r 8742 Lucent Blvd., Suite 300, Highlwids Ranch, Colorado 80129 PH(800) 306-6062 8742 Lucent Blvd., Suite 300, Highlands Ranch, Colorado 90129 PH(800) 306-6062 o� C) �C W CIO 0455724 000002287 09SCR4 0068497 9307 1200 1910 0002 1854 87 Ellen B Shaffner 342 Airport Rd Shippensburg PA 17257-9000 FIRST-CLASS MAIL Specialized Loan Servicing USPS CERTIFIED MAIL7f U.S. POSTAGE AND 8742 Lucent Blvd FEES PAID Ste. 300 NCP Highlands Ranch, CO 80129 9307 1200 1910 0002 1854 87 RETURN RECEIPT REQUESTED ELLEN B SHAFFNER 342 AIRPORT RD SHIPPENSBURG PA 17257-9000 0455724 000002287 09SCR4 0068497 T E' SLS RIGS Good Through 06/16/14 Client: SLS Loan Number: 1008236770 Mortgagor Name: DOUGLAS E SHAFFNER Current Interest Rate: 2.00000 Per Diem: 7.6087 Prepared: 06/06/14 Unpaid Principal Balance: = 138858.00 Interest From: 04/01/13 to 06/16/14 = 3354.15 Escrow Advanced: = 3601.12 Delinquent Taxes = 0.00 Delinquent Insurance = 0.00 Deferred Principal = 6815.84 Late Charges Good Through: 06/06/14 = 0.00 NSF Fee: = 0.00 Property Inspection: = 30.00 BPO Fees: = 0.00 Attorney Fees&Costs: = 350.00 Property Preservation: = 0.00 Suspense(Unapplied): = 0.00 Subtotal Due: = 153,009.11 Comments: IF ANY OF THE ABOVE FEES ARE IN EXCESS OF THOSE ALLOWED BY THE LAWS OF YOUR JURISDICTION,PLEASE ADJUST TO THE ALLOWABLE LIMITS. 8742 Lucent Blvd., Suite 300,Highlands Ranch, Colorado, 80129 Direct 720-241-7200 r Loan Number: 1008236770 Borrower: DOUGLAS E SHAFFNER Date: 6/6/2014 Total Advances $ 380.00 O S Transaction Date Transaction Desc Transaction Amt l Total $ - ROPER SP E Transaction Date Transaction Desc Transaction Amt 08/22/2013 INSPECTION-OCCUPIED $ 15.00 10/18/2013 INSPECTION-OCCUPIED $ 15.00 Total $ 30.00 TTO E E Transaction Date Transaction Desc Transaction Amt 04/30/2014 FORECLOSURE EXPENSE $ 350.00 Total $ 350.00 P O RTY SEMCM Transaction Date Transaction Desc Transaction Amt Total $ - Account Number: 1008236770 Borrower: DOUGLAS E SHAFFNER DATE 6/6/2014 Current Escrow Balance $ (3,601.12) Transaction Date Transaction Description Transaction Escrow Advance 3/27/2014Amount Balance CITY TAX $ (413.80) $ (3,601.12) 8/26/2013 SCHOOL TAX $ (1,840.68) $ (3,187.32) 6/25/2013 HAZARD INSURANCE $ (637.00) $ 5/22/2013 (1,346.64) HAZARD INSURANCE CREDIT $ 182.68 $ (709.64) 5/17/2013 HAZARD INSURANCE $ (347.00) $ (892.32 4/29/2013 REGULAR PAYMENT ) 4/22/2013 $ 344.92 $ (545.32) PAYMENT REVERSAL $ (344.93) $ (890.24) 4/18/2013 REGULAR PAYMENT $ 344.93 $ 4/12/2013 (545.31) MISC POSTING $ 11,102.56 $ (890.24) 3/14/2013 CITY TAX $ (402.47) $ (11,992.80) 2/19/2013 REGULAR PAYMENT 1/10/2013 REGULAR PAYMENT $ 141.79 $ (11,590.33) 12/10/2012 $ 141.79 $ (11,732.12) REGULAR PAYMENT $ 141.79 $ (11,873.91) 7/27/2012 SCHOOL TAX $ (1,808.82) $ (12,015.70) 6/22/2012 HAZARD INSURANCE $ (1,481.76) $ (10,206.88) 3/22/2012 CITY TAX $ (361.94) $ 8/23/2011 (8,725.12) SCHOOL TAX $ (1,771.65) $ (8,363.18) 6/23/2011 HAZARD INSURANCE $ (691.00) $ (6,591.53) 3/24/2011 CITY TAX $ (361.94) $ (5,900.53) 9/29/2010 MISC POSTING $ 4.45 $ (5,538.59) 9/1/2010 REGULAR PAYMENT $ 141.79 $ (5,543.04) 8/5/2010 SCHOOL TAX $ (1,207.19) $ (5,684.83) 7/28/2010 REGULAR PAYMENT 6/24/2010 HAZARD INSURANCE $ 141.79 $ (4,477.64) 6/23/2010 $ (1,182.00) $ (4,619.43) REGULAR PAYMENT $ 141.79 $ (3,437.43) 5/26/2010 REGULAR PAYMENT 4/23/2010 $ 141.79 $ (3,579.22) REGULAR PAYMENT $ 141.79 $ (3,721.01) 4/19/2010 CITY TAX $ (229.76) $ (3,862.80) 4/12/2010 REGULAR PAYMENT 8/27/2009 $ 141.79 $ (3,633.04) HAZARD INSURANCE $ (1,182.00) $ (3,774.83) 8/17/2009 SCHOOL TAX $ (1,176.90) $ 4/29/2009 CITY TAX (2,592.83) 1/2/2009 $ (229.76) $ (1,415.93) MISC POSTING $ 1.60 $ (1,186.17) 10/24/2008 REGULAR PAYMENT 9/12/2008 $ 141.79 $ (1,187.77) REGULAR PAYMENT $ 141.79 $ (1,329.56) 8/7/2008 SCHOOL TAX 8/4/2008 $ (1,165.32) $ (1,471.35) REGULAR PAYMENT $ 141.79 $ 7/7/2008 HAZARD INSURANCE (306.03) 7/1/2008 $ (370.00) $ (447.82) REGULAR PAYMENT $ 141.79 $ 3/10/2008 CITY TAX (77.82) 10/23/2007 $ (219.61) $ (219.61) MISC POSTING $ 33.98 $ (0.00) 8/27/2007 REGULAR PAYMENT $ 141.79 $ 8/24/2007 SCHOOL TAX (33.98) 7/30/2007 $ (1,135.92) $ (175.77) REGULAR PAYMENT $ 141.79 $ 960.15 7/30/2007 REGULAR PAYMENT $ 141.79 $ 818.36 7/5/2007 PAYMENT REVERSAL $ (141.79) $ 676.57 6/21/2007 REGULAR PAYMENT $ 141.79 $ 818.36 6/14/2007 HAZARD INSURANCE $ (371.00) $ 676.57 5/31/2007 REGULAR PAYMENT $ 141.79 $ 1,047.57 4/24/2007 CITY TAX $ (228.52) $ 905.78 1/29/2007 REGULAR PAYMENT $ 141.79 $ 1,134.30 1/11/2007 INITIAL TAX DEPOSIT $ 992.51 $ 992.51 CODES DESCRIPTION 10 REGULAR PAYMENT 120 HAZARD INSURANCE 121 FLOOD INSURANCE 123 CONDO INSURANCE 129 ADDT INSURANCE 140 PMI MONTHLY 141 PMI MONTHLY 143 PMI ONE-TIME 144 PMI 150 FHA MIP 155 FHA MIP 165 OVERAGE REFUND 190 COUNTY TAX 192 CITY TAX 194 SCHOOL TAX 197 SUPPL TAX 199 SPEC.ASSESSMENT 20 MISC POSTING 24 ESCROW SHORTAGE 29 INTEREST ON ESCROW 320 HAZARD INSURANCE CREDIT 321 FLOOD INSURANCE CREDIT 323 CONDO INSURANCE CREDIT 327 SUBSIDENCE INS CREDIT 329 ADDT INSURANCE CREDIT 340 PMI INS CREDIT 341 PMI INS CREDIT 343 PMI INS CREDIT 344 PMI INS CREDIT 345 PMI INS CREDIT 350 FHA INS CREDIT 354 FHA INS CREDIT 355 FHA INS CREDIT 360 HAZARD INSURANCE CREDIT 362 HAZARD INSURANCE CREDIT 365 MISC ESCROW CREDIT 390 COUNTY TAX CREDIT 392 CITY TAX CREDIT 394 SCHOOL TAX CREDIT 397 SUPPL TAX CREDIT 399 TAX CREDIT 40 PAYMENT REVERSAL 411 CHL ESC BAL TRANSFER 420 INITIAL INS DEPOSIT 421 INITIAL INS DEPOSIT 440 INITIAL MIP DEPOSIT 450 INITIAL FHA DEPOSIT 490 INITIAL TAX DEPOSIT 520 HAZARDINSURANCE 521 FLOOD INSURANCE 523 CONDO INSURANCE 527 SUBSIDENCE INSURANCE 529 ADDT INSURANCE 540 PMI MONTHLY 541 PMI MONTHLY 543 PMI ONE-TIME 550 FHA MIP 555 FHA MIP 559 FHA MIP 560 HAZARDINSURANCE 562 HAZARDINSURANCE 590 COUNTY TAX 592 CITY TAX 594 SCHOOL TAX 597 SUPPLTAX 599 SPEC.ASSESSMENT 400 INITIAL ESCROW BALANCE E10 HAZARDINSURANCE E11 FLOOD INSURANCE E12 HAZARDINSURANCE E13 HAZARDINSURANCE E20 HAZARDINSURANCE E21 HOMEOWNERS INSURANCE E22 FLOOD INSURANCE E23 HAZARD INSURANCE E24 HAZARDINSURANCE E25 CONDO/CO-OP INS E26 HOMEOWNERS INSURANCE E27 HAZARD INSURANCE E28 HAZARDINSURANCE E29 FLOOD INSURANCE 'E40 PMI MONTHLY E90 COUNTY TAX E91 SCHOOL TAX E92 CITY TAX E96 SUBDIVISION MAINTENANCE M10 HAZARDINSURANCE M11 FLOOD INSURANCE M12 HAZARD INSURANCE M13 HAZARDINSURANCE M20 HAZARDINSURANCE M21 HOMEOWNERS INSURANCE M22 FLOOD INSURANCE M23 HAZARD INSURANCE M24 HAZARD INSURANCE M25 CONDO/CO-OP INS M26 HOMEOWNERS INSURANCE M27 HAZARD INSURANCE M28 HAZARD INSURANCE M29 FLOOD INSURANCE M40 PMI MONTHLY M90 COUNTY TAX M91 SCHOOL TAX M92 CITY TAX M96 SUBDIVISION MAINTENANCE R10 HAZARD INSURANCE CREDIT R11 FLOOD INSURANCE CREDIT R12 HAZARD INSURANCE CREDIT R13 HAZARD INSURANCE CREDIT R20 HAZARD INSURANCE CREDIT R21 HOMEOWNERS INSURANCE CREDIT R22 FLOOD INSURANCE CREDIT R23 HAZARD INSURANCE CREDIT R24 HAZARD INSURANCE CREDIT R25 CONDO/CO-OP INS CREDIT R26 HOMEOWNERS INSURANCE CREDIT R27 HAZARD INSURANCE CREDIT R28 HAZARD INSURANCE CREDIT R29 FLOOD INSURANCE CREDIT R40 PMI MONTHLY CREDIT R90 COUNTY TAX CREDIT R91 SCHOOL TAX CREDIT R92 CITY TAX CREDIT R96 SUBDIVISION MAINTENANCE CREDIT SR ESCROW REFUND EI INTEREST ON ESCROW M01 NOTINCLUDED-DELETE E01 -NOT INCLUDED-DELETE Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OFF!' 4; OF rHE s31ERIFF t 11 E O T H 23111 DEC `5 f M 9: i 0 CUMBERLAND COUNTY PENNSYLVANIA The Bank of New York Mellon vs. Douglas E. Shaffner (et al.) Case Number 2014-6734 SHERIFF'S RETURN OF SERVICE 11/26/2014 06:59 PM - Deputy Christopher Sharpe, 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: Douglas E. Shaffner at 342 Airport Road, Southampton Township, Shippensburg, PA 17257. CHRIST HER SHARPE, DEPUTY 11/26/2014 06:59 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Douglas Shaffner, Husband, who accepted as "Adult Person in Charge" for Ellen Shaffner at 342 Airport Road, Southampton Township, Shippensburg, PA 17257. CHRISTOP R SHARPE, DEPUTY SHERIFF COST: $66.60 SO ANSWERS, December 03, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuito Shoriff, Teleosoft, Inc.