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Home My WebLink About06-0971 STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, NA, as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF v, NO: 04, - q71 CjCJ ~{ ~ V2..l[ Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S) , COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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. 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. STEPHEN M, HLADIK, ESQUIRE ATTORNEY LD, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, NA, as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF v, NO: 0L0- Cj1( C; (.> ~L~ 7fl-"-L Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S) , COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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. 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. Wilshire'" Wilshire Credit Corporation Payments P,Q, Box 7195, Pasadena, CA 91109-7195 Ll78D AUGUSTINE, SUSAN III HOLLY DR MECHANICSBURG, PA 17055 Correspondence P,O, Box 8517 Portland, OR 97207-8517 Phone (888) 917-1052 (888) 917-1052 10/31/2005 Fax (503) 952-7476 Web Site www.wcc.ml.com ACT 91/6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morti'-age 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 vour home, This Notice explains how the program works, To see ifllEMAP can help. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this nolice with you when vou meel with the Counseling A~ency, The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice, If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397, (Persons with impaired hearing can call (17) 780-1869,) This notice contains important legal information, If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it, You may also want to contact an attorney in your area, The local bar association may be able to help you find a lawyer, LA NOTlFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA, SI NO COMPRENDE EL CONTENIDO DE EST A NOTIFICACION OBTENGA UNA TRADUCCION INEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA, PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL (Continued) lin; Cl1"uil CUrplllllliun is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. YOU SHOULU CONSIOEK THI:S LErrER AS COMlNG FROM A COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, VER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LEITER IS NOT AN AITEMPT TO COLLECT DEBT, BUT NOTICE OF POSSlBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAl. PROPERTY, ORADO: In Colorado, the Colorado Collection Agency Board, 1525 Sherman Street, Denver, CO 80203, licenses coHection agencies. Payments should not be sent to oard. If you inform us in \\Tiling that you refuse to pay tillS debt or request us to cease further communication, our final communications about our actions and ions will be in writing. NEW YORK CITY; License 1032551. NORTI{ CAROLINA: Permit 3840. TENNESSEE: This collection agency is Hcensed by the ion Service Board, State Department of Commerce and Insurance. Wils.hire'soffice hours are Monday - Friday 7:00 AM to 5:00 PM Pacific Standard Time , ,I AUGUSTINE, SUSAN Page 2 DERECHO A REDlMIR SU HIPOTECA, HOMEOWNERS' NAME: DORSEY, RICHARD PROPERTY ADDRESS: III HOLLY DR MECHANICSBURG, PA 170555527 LOAN ACCT, NO,: 945326 ORIGINAL LENDER: OPTION ONE CURRENT SERVICER: Wilshire Credit Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME PROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS, IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY, TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the dale ofthis Notice, During that time you musl arrange and attend a "face -Io-face" meeting with one of the consumer credit counseling agencies listed al Ihe end of this Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEPAUL T", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE, CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credil 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 prooerty is located are set fOlth at Ill<' end uf this Notice, It is only necessary to schedule one face-to-face meeting, Advise your lender immediatelv of your intentions, (Continued} ire credit Corporation is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. YOU SHOULD CONSIDER THIS LETTER AS COMING FROM A COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR, ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, EVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF TIllS DEBT, TIllS LEITER IS NOT AN ATTEMPT TO COLLECT DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LlEN AGAINST THE COLLATERAL PROPERTY, ORADO: 10 Colorado, the Colorado Collection Agency Board, 1525 Sherman Street, Deriver, CO 80203, licenses collection agencies. Payments should not be sent to oard. If you inform us in writing that you refuse to pay this debt or request us to cease further communication, our final communications about our actions and ions will be in writing. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the ction Service Board, State Department of Commerce and Insurance. Wilshire's office hours are Monday - Friday 7:00 AM to 5:00 PM Pacific Standard Time .I \ \ AUGUSTINE, SUSAN Page 3 APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program, To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice, Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency, Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting, YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after they receive 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 (Brin!! it UP to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: III HOLLY DR MECHANICSBURG, PA 170555527 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PA YMENTS and the following amounts are past due: Delinquency $2,465.24 Late Charges $123,26 Other Charges $0,00 Suspense Amonnt -$0,00 TOTAL $2,588.50 HOW TO CURE THE DEFAULT - You may cure the default wilhin THIRTY (30) DAYS of the date of this nolice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,588.50 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (Continued) w.' ire Credit Corporation is licensed to do business at 14523 S. W. Millikan Way. Beaverton, OR. YOU SHOULD CONSlDER THIS LEITER AS COMING FROM A n COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, H EVER, IF YOU ARE IN BANKRUPTCY. OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN A ITEMPT TO COLLECT TI DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. C :RADO: In Colorado, the Colorado Collection Agency Board, 1525 Sherman Street, Denver, CO 110203, licenses collection agencies. Payments should not be scnt to th ! oard, If you inform us in writing that you refuse to pay this debt Of request us to cease further communication, our final communications about our actions and int I ions will be in writing. NEW YORK CITY: License 103255 L NORTH CAROU~A: Permit 3S40, TENNESSEE: This collection agency is licensed by the Co, \ion Service Board, State Department of Commerce and Insurance. Wilshire's office hours are Monday - Friday 1:00 AM to 5:00 PM P/.IciflC Standard Time Ll AUGUSTINE, SUSAN Page 4 (30) DAY PERIOD, Payments must be made either by cashier's check certified check or money order made payable and sent to: Wilshire Credit Corporation, P.O. Box 7195, Pasadena, CA 91109-7195. IF YOU DO NOT CURE THE DEFAULT - If you do nol cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise it's ril!hts to accelerate the mortl!al!e debt. This means that the entire outstanding balance of the debl 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 it's attorneys to start legal action to foreclose uPon vour mortl!al!ed property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by Ihe Sheriff to pay off the mortgage debt. If the lender refers your case to it's attorneys, but you cure the delinquency before the lender hegins legal proceedings against you, you will slill be required to pay the reasonable attorney's fees that were actually incurred, up to $50,00, However, if legal proceedings are started against you, you will have to actually incurred by the lender even if Ihey exceed $50,00, The 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 neriod. vou will not be required to pav attornev's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not eured the defauil within the THIRTY (30) DAY period and foreclosure proceedings have begun, yoU still have the right to cure the defauil and prevent the sale at any time UP to one hour before the Sheriffs Sale, You may do so by paying the total amount Ihen past due. any late or other charges then due. reasonable attorney's fees any costs connected with the foreclosure sale. anv other costs connected with the Sheriff's Sale as specified in writing by the lender. and by performing any other requirements under the mortgage, Curiug your default in the manner set fortb in tbis notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated tbat the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice, A notice of the actual date of the Sheriffs Sale will be sent to you before the sale, Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment of action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Wilshire Credit Corporation Address: Payments: P,O, Box 7195, Pasadena, CA 91109-7195 Correspondence: P,O, Box 8517 Portland, OR 97207-8517 Toll Free: (888) 917-1052 Fax Number: (503) 952-7476 Phone: (Continued) ire Credit Corporation is licensed to do business at 14523 S.W. Millikan Way, Bcaverton. OR. YOU SHQULU CONSlUbK THIS U::TfER AS COMING FROM A COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT. EVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN A ITEMPT TO COLLECT DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY, RADO: In ColoradQ, the Colorado Collection Agency Board. 1525 Shennan Street, Denver, CO 80203. licenses collection agencies. Payments should not be sent to nard, If you intbrm us in writing that you refuse to pay this debt or request uS to cease further communication, our final communications about our actions and In ions will be in writing. NEW YORK CITY: License \032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the tion Service Board, State Department of Commerce and Insurance. Wilshire's office hours are Monday - Friday 7:00 AM to 5:00 PM Pacific Standard Time STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, cIa WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: v, Richard Dorsey Susan Augustine alkla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S) , COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff hereby complains against Defendant(s) as follows: 1, Plaintiff is Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, ("Plaintiff"), with an address in care of WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005, 2. Plaintiff is the current holder of the mortgage described below (the "Mortgage"): (a) Parties to Mortoaoe: Mortoaaee: Mortgage Electronic Registration Systems, Inc" as nominee for WMC Mortgage Corp, Mortoaoor: Richard Dorsey and Susan Augustine (b) Date of Mortoaae: 12/30/2004 (c) Place and Date of Record of Mortaaoe: Recorder of Deeds Cumberland Mortgage Book: 1898 Date: 3/3/2005 Page: 4439 The Mortgage is a matter of public record and is incorporated herein as provided by Pa, RC,P, No,1019 (g), A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference, (d) AssiQnment: Assignor: Mortgage Electronic Registration Systems, Inc" as nominee for WMC Mortgage Corp, Assignee: Wells Fargo Bank, N,A" as Trustee for the MLMI Trust Series 2005-WMC2 Date of Assignment: As Recorded Recording Date: As Recorded Book: As Recorded Page: As Recorded 3, Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment. 4, Contemporaneous with execution of the Mortgage, Defendant(s) executed a note (the 'Note'), 5, The real property that is subject to the Mortgage is generally known as 111 Holly Drive, Mechanicsburg, PA, 17055, A true and correct copy of the legal description is attached hereto and marked as Exhibit "B," 6, The name and mailing address of Defendant(s) is: Richard Dorsey and Susan Augustine a/k/a Susan Dorsey, 111 Holly Drive, Mechanicsburg, PA 17055, 7, The interest of Defendant(s) is as Mortgagor, Real Owner, or both, 8, The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of November 01, 2005, and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable, 9, The following amounts are due as of February 17, 2006: Principal of Mortgage debt due and unpaid $169,042,26 Interest currently due and owing at 7,875 % per annum calculated from October 01, 2005, currently at $ 36.47 each day Property Inspections $5,105,80 $ 20,50 $ 100,00 $ 3.45 $ 308,15 $ 195,00 $ 155,50 $1,250,00 $176, 1~O.66 Broker's Price Opinion Certified Mail Costs Late Charges at $61,63 and for each month hereafter Title Search Court Costs (filing and service) Attorneys' Fees TOTAL 10, Interest accrues at a per diem rate of $ 36.47 each day that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage, 11, The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's sale, If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed, 12, Notice pursuant to Act 91/160, was sent to Defendant Richard Dorsey and Susan Augustine a/k/a Susan Dorsey on October 31, 2005, A true and correct copy of the Notice sent to Defendant(s) is attached hereto and marked as Exhibit "C," WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant(s), in the amount set forth in paragraphs 9 and 10, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises, Respectfully submitted, Date: 2) 17 lOb KERNS, PEARLSTINE, ONORATO & FATH, LLP BY: YuJ Stephen M, ~k, EsqUIre Attorney for Plaintiff (File #16-900) F.b-14-2DD6 IS:II l:J:b'J. Uj~ C) Fram-PREMIER ABSTRACT +243 3m ncnERT ~, ZIEGLER f.::~QR~Ef\ OF DEEDS rc"Ar.i'_.~::l) COIJ~lrf...~\ Wlll"iRR 3 ARlO O~ After A.cardlng Relu~ IT": 'it"" E.L.T.G, o~ ~~'O 921 E. FC>rt Avenue Suile 215 Baltimore, Maryland 21230 .,_ JI~.1 :t~ti:U.oat:loa _.. &UUU1G',", - PO'<: """-"""". fm~ ..- 'G'I!I J'L WQQDJ.iIII) S:a.LB" 0. 113''1 ISP.cc Abo1r't n.. UDe lI'ttr ~D&:oata' MORTGAGE PEFlNITIONS - ~ I. nun,. N!W, 100UOIlOUU.72"S Wonl:i.oed in I!lIIlliplo ...a... .ftllio _"" <lcfD><<l \>Olow..4 OIbe,wmls ... dBfin<d .. 3<<ti... 3, II, 1'. 18, 20 aM 21. CerWn taler; ~na 1he 1I!llIgr:: C1rv.<<dll qscd. in Ibis ~L lie dlo pl'OriMd in Sccdon 16, (A) ~ecurttr lDs1nImclb11t means tbi5 doaErotdt, wmcb U14an:d n.c~ 30" 200" tollt'h<rwilhollRi4.....Ihls_1lt. (B)"-" "mwID - -= ""- - y.' )r.tj- I'1lAJ '^ S ITle WI' B.no_b""'"",,_,_t/IlSS..,.,;cyloslnlmeJot. (C) "l\IDS" is Mort_ llIct_ a.ll....... SyolttM. Inc, MillS iJ. _II: c.lpO'tli<m lb.t iJ actioB ...loIy .. . ......... I\rr !.coder W l-en<Ier'. __ ...J ...ip. MER8 I. .... ___ _ lbIa _'it' lD""",_~ M1l1lS II "'llI'lid lbld to:i&1iDg IlIld'" U>o ..... of~, ..,4 bat lOll - "'" tcIopI!ano n"""",.fP,O, B..20:16. Ftinl, M14B5.1.2026, 11:. (BSB) 679-I.!I!RS, (D)"LtII.cl'er"'(r IdIt! ~ CoAl'. LcuLterilia c~n.bi~ _.r_~ ~, ~ 'ODS4-00.' .l'p'rlzcd ood <:.UstWa uodor "'" . t...eD4c:"'saddrcniG P.O. IOS ,'aI>>, 'LOIS ~V.uilA..slnlbl'fltmi?Y-'''PD''Mb'F,.d1.ft{uvr<<rollM.t~MtNT ~~_''':JtJlfHIoI. (P",.ltfl__~) racm3DJJ1101 BK \ 898PG4439 T-166 P,DD6/D23 F-64T F.b-l~-2006 16:12 From-PREMIER ABSTRACT +w 3390 ;a~"7".1 U.U1:Z1J (.5) ''Nm'' mans 1M promissory 1l.01e signed by BOtI'O'WCt Ind d41'ed UtiGIlIabIN:' sa. 200.. 1'b.t: Nbte s'rata thalDDnOWer owe! Lender Qaa _4 --..tr _.... _ OO/lOa Dollnr$(U,S,$ 1'0,000.00 )"'"' _ Bo_bospJ1l_1O poythis dobrin tcgufMPaiodicPaymeotsund toptythcdebtil\fuIlDot~k:r1hlll I'.~ 1, 2D)5 . (F) "Propmy" ...... 111. p_ ,bol ~ """,bod bdow und... 1bc "'....g "'l>Io.l\r of l/.taIIlI In 1t.e Property,' (G) "Lo.."...... tbe okbt _""ed by Ihl: Nol<, pi........... nny P"'pa_ ,lWg,..n<l1alo '~"Il'" due UDder-the NOIe,iUId all ~ 4ue ~ tbi5 Secwity t1lWl1mc:n. pbq: ia1ctesl. (B) "Jllden" _ all Riden to Ibis _'" \""""""".... em ""C\llCd by __, n", roUowiog Rid", ore.. b. __ byBOllOMlr [<1..01: b,....ppU,obloJ: 'il A4,jU!ltil.blc.Iu.teRider B C':onclouUniumRJdm- o Bello.. Rider PIIIIIl!d UoItDMIlIpQ>!M !l;d..- o I-4FomilyRi<ler Odtot('ll~l CJ SelIDOd UOm\:: Rider o Bi....klyP_mde< (I) "AppJJc,.ble L:srw" mr:gs aU c0aer0lling applicabl. fccbnI, IWc and localam"ttlleSl ~ atdmancts :nul _dvo role. and ord... (t!lat !uml the ellie, .r ~",) u ""'u u .llllpplkobl. .&0.1, ....appc:oIoblc 1_810,,""_ (d) ~1IQ1tJ' Anocl.tlon DM, Faa, md Anmmtl\1S" taeIdtI .n dutI, fClelJ a~ ~ other cbatgcs T.!I3t src ~d OQ BOrmWtT Dr the: PNpeny by. <<mdonUrtitml woegtimt, bomeowner. ~tion Dr _0-,,",00" (K) "Sll!drome FlIDdJ TraDlfer" nd1W any bm1I:I'ar "r t\;mds, om _ . ~ originPltd by chl:Ct. droll. or .- plIp<Il' i_~ wIli.h I. W.....d lI100ugll on ,Je<:llOni. t""IitW, ltIoph.... il>o1nIme1tt. l:OIq)uUr. or maptic: tape 10 11.1.., o<<ltr, imtrw:t" Q[ autb.onze IlliNmcial twtution to dtbit oremlil an KCO\.In1. Such 1t1'!D indudQI. 1M is not ltmhed IQ. polnt..of:.5I1e nasfem. automl1ed ~Der machine cransacdons. traDsftn lnitinICd by "Icph.... witt _, and.._ .IcarIIlgho... ....r"', (L)"krown..... __I""'" ol1>' ",,,",,,,'bedi. Seo<ioJl3, eM) II.MlJirdllneo\lll.Proeeedt" Jae8M iUIY compea.tOliDtI, llmddUD.l. nward. of~JUJ 01" pmccc:d& paid by allY tbD1l par1Y (olhor _ """''''''' ",,,,,,od< p.id unde< dt< eovtdp 4_ ill Stelioo I) for; (I) _", to, or dl;lJtnl.cl:irm ~ the PTapcrty; (ii) oandcmnatian or other UilQb, of.1I or IIll)' pllJto!lhc PrupOt1y, (Hi) CCJnYC)'lll,CC:: in lieu orcandemntttiaii or (iY) ml~OIII of, or ominj(ll'l' as to, !he value mdlor condifion Df'1tI11 Propc:rty. lNJ "Ml:lrtpce llllMU'qW1 mua, mRRnOt. pro\ecting JAnlll)f J.p1nin. tlItnonJlAymem. of. 0'1' def.u1t tm. me '-'*to (0) "Peflvdte P.,ment" m=a:as the: regqlarly liChedule=tI.mount due for (i) priDclpallad Jnleresr under the NOir, pIus (iQ ID)' OmodltorS under Seedol13 ofuDs Seeunty lu:swmeat. (p) "RIlSP"" """'" 1bo RtIll _ S.Ulemcnt Pmceduno ^" (12 u.s,C, '2601 ct "'I,)..d i~ m.p1.......S rqoJOli.... RlllIliotiOll X (24 C,P,R. p"" 'SOlI),,, 1Il<y millbl be _0<1 llom lime to lime, or ony .ddi_1 ot 5\K:CC5/IOT klpllltiDD or ~pbttioa &bat aavem& t1u; 1I.~ !ubj~t matm'. N "aSO\I in 1m3 See'lBiQ' WlNmImt, "RESP.... "r... to 8lI "'l........lo ond ...1ri.tiOllS llIII' "'lmpo,ed ill-" to. "lld...uy ..101= ~ I..." 0VC1I1f1l1. Loond",. ttoI ~wJllY'" ''Merolly ",hood _8< Iollo" uoder liEBl'/<, (Q) "SB<<euor bll'Du",1 Of Bm~'" me_ any pet)' 111111 has lIkeD title to dlt: Propenyl v..hedJer Qr IIOC that party luIA u,umod .BolfO~'8 ~blipticlDS WIder du:: Note IUIdfor thiJ S~1Y I'MtIlUne:Jr.. lRANSFEIt OF RIGHTS 1l'I11IE PROP!lRlY This Security InstnnnoIt secures to Lcoder: (i) thI: ~yJPet\1 t;of U= l.olw. IIDc1 .n reac....ls, exff:Dsiom ADd mollifitatklm oftbe Note; II1d (it) tht; p~cc or DIUI'Owti'.S coVlhmntlllld .gn::tmm1fB UQdCJ un. Seeuri!:y laaD'Ull1mlt &ld Ihc :No~ For Ibis P1IrJI01Cl. aotrO'Wt'r 40ts hcn:by mortsase..grant QI(I c::o~ey to MJmS (solaly u PII'lNSyt.VAN1"-Siql~ FIlIIi~hII"" IKI""~" f\{lr t.'l'fIJQItM: INSn..UMENT ~""""':J7IJntl. (PiI"J~J4JItIItbJ FD~_ MIJ 8K 1898PG4440 T-166 P,OOT/023 F-547 F.0-14-2000 10:12 From-PREMIER ABSTRACT +243 3m 12U7'" :t.u....,a'l!I ~ Cot Lmder mKI LAlDdet., BUCOe&SOI't and ISIip) _ tt) the ~IM& .m psip of MmlS tht:. to\IowilJs; e1mribed proponylo_d in Illc c","""" or CDDDLIIIIl : (T)'Jl< ofRoconticg 1_.) <N- or_nl;"g Jori.Q;oliot>) r.acar. DlSClttI'TtOll ~ ~ lID ~ a. t.... JmUOJ' .MD J:taIJf AI m:lttBn' IAI, 'l&j,;,wmn1!y,,", lb. ,ddlo>l of 111 ROlLLY llaZV21 [S....] MIaIAJiIICIJM\Q . ramsyt'lUia 11055 ICIly) {Zip Code] ("l'mpcny Addlaoj, TOOE1'HEll. Wl'IH 011 ohe j~_ .ow '" _0., _ 00"" JllOPO<Q', w.D ........... _CO,. ODd lixtw<o co... or b_llor 'Pall 0/1be -'Y, All "I'II_lIIIIl OJIdidoDS ahal11bo k ec>'clod by lhis SecmUy _ All 0/ lite lllft..... .. ~_ .. to mil s.eori!y _DI U Il10 "PropMY.I' Borrowc:r dZldl!'r'St:aDds lad agtee8 dmt MER$ 1101da: mtly legal title fa tb~ UJ1m=d11 pIInm by Bono'Mt in ibis. Sewrity ~ bQft, it ~ to clmlPly wi~ law or CIIICOd1, MER! (0 ~ Cor I..c:ru:k:t imd I...mdJ:r'6, ~~..~p) bQ~nsbt WI ~as Ill)' ~r aU DtdlD,r ~ iQCluding, but Dot limite4 to. tlle ri,abt fO 1l.8:::101Cl andull 018 Propatyj and a) W:e lIlY lielion requftcl.ofLendor inc:JudiD& bat: not limited 1X!, rdcaslns Bnd ClDC;eUag chill Sec\lrir.r 1~ . BOlUtOWER. COVENANTS !hAt Bo"""", l& JawfoUy ....011 ./ tho...... bottby e...oy<<IlIll<I "" dte dab' III -'IJIS<. snot aod 000'''' tbc Properly aM tIutl tile ~ i. 'M'."''''"''II, IO>epl for ""'_...ceo oftoellfll, Boao_ w;IlT....lltld will dclend ee-Uy... ride III lbol'lllj><t1y.pjm! '" ,1Aim< ond _, oubJ.....OJrf_~of_rd. THIS SEctJlUTY lNS1'R1JMENT combilletl ID1itmm cEm:nlllts rot _Mal IlSt add lion..ul1IJbnn COVl:jlantl with limlred \'trilWa~ brilll"lsdlelion ta coattltu~ &lIal(orm ecudt)' innrumcm ~fil, ~..1 ~)'. trNlFORM: COYENAN'l"S. Bmrower And ~ CO~ IIlld lIamt., fbUows: 1. P.,...~ "rprthelpll,.(pb!rQt. ~~ 'r.ymwt. CQl'pt....n., ~ Ch.-pt. BtInUW'b" .ball pay _ duo tho priD<lpaIof, and iotorest on, ... <lobt.wl.....n by !be Note .1Id 011)' prop.yolCtlt chotg.. II1d laic charges doe under tile Note. Domn"...- IIbaJI llso PlY funds for Bscmw 11l:!mI pt.nuam to SCI#ioa J. ~due mid", "'" Nom """ till. S"uDry __.hoD k mode in V,S. """,,,cy,llo........ jraoy c1t",~ or otbc::r ~~ ~ by J..c:uder 15 ~t under the Note or this SeC\rity IlISlI'\JIn=t ~ ~ to' Lcndor onpald, Looldor ...y ~ 1Iw ..y " all ..o...qua< p'_ iIue onde< tbc Nolo znd I\'Il$ 5_" ~ be Jnadc in cmc or:moJlll of 1bI roUowtng fbnN, as selected by Lehder:. <a) cash, (b) mcn.y order; (c:) cerdfiQ(\' ebc:..k. bMlc ebCll;Ic, ~', mClCk or "shier', dn::ck, prnvidc:d Ilhlllucfl cnllck i. lbn upClII 1m m5liMilm Whau dcponfB: I!II~ inlmed bt II. rlldmalll~~ mat:NlN!I\ta1~11)'f t:Dl\tt', Of (d) lnemonic llUftdc 'Tnn!fe,. P~t& ant 4eemcd rcc~iva:l by Lcaderwhcn.1'Ote:ivN at !be location cSlDlgnaled in the NOte or It SUM cnl1er JQC8tiDD., may be desiJftIted by Leader ill ac:CQn1ancc with lhl!: Dcbee pravililObI' in S~on 15. LctIder mtY <<<om ..~ plI)'llln\ e, ptrtifll p.,m.nt if 1hc 1"'_ or portiol p_ ... inoullioi"" to bring tho [,0... ~ Lender JMy .ccept III1Y plI)'mMlt orpart1ll. payment iMumcieJlt to bring lhe 1..0114 cumlnt, wilboUf waiver or on, rigbto b""""'" or prejodj.. to i,. ri,thr. to refUse lOch p"""",, or pctiOl 1"_ in !he r...." bul PIUC~VAN"-Sinllcr PamiJy-Plh"'" Mo'P....dlc Mac: UNIP'OItM er{ITt.\lMm'fr DDC~V& .":rJnfU (PDrI1.1p/U~ )lGt'IIl 3t3t 11111 ilK I 8 9 8 PG 4 4li \. T-I06 P,008/023 F-547 Fob-1'4-2008 18:12 From-PREMIER ABSTRACT +243 mo U1I7UlI U-U'72111 Leudct ir. not obUp.ted to IIppJy Jl.lCh payments allbe time: Iltl'Cl1 paymen.. me aC:~ [f CitCh PeriOdic Pl1ynat i~ *pplicd as of iIs Xlll:dulM dlle datel theu. Lendct areJ nol pIIy inll!'telt Oft Dpp1l.ed fimdl. Lender mJy ho14 such uaapplied fiIQds UlUil lIonower makn pa~ to brmg 1:hc' LollA ClUlmlt.lfBl;HIClwtr doea DOt OJ sa wfI.bln a reaaormbll:: paiocl tlf time. 1.eDdclr ISbIll either IIWly IIXb fl.mde Qr remm tJsmu 10 l!onoMll'. If noJ -WW earlier, llIeh l\mdt 'WiD bl:: VWIiGd 10 rbc QQtlIIIlDdinl ~ ~ UDder "" Now: irnrnI=d.lDNly prior to ~toMe. No ofl'det or cllial wlDch BOD'ower mJgbt: baVG now or iA the ~ ..piJ&t t..emer -.II relieve BOJ1QMr from tD8lciDa p~ dll( UDder tbI: N~c Imd 1hi! S~ty IMIrwnen1 Qt perfonniDJ die e~ IUld ._b...,_ bythi.S",urilll_l, 2. Applk..... .th_... or _ E..ept II oll>e<wl.. -.W III tIIis Scot""'~' all p,~ _d 004 'I'l'1lc<I by t.oD4or IlIaIl b. 'I'l'1IecI in tbc 1\>llawllli _ .fpricrio/- (a) .......... """"'.... No", (b) priuclpal duo undo< lIl< Note: (.) ..."",U duo """"' BoctIo. 3, Such pa_ IhaII bo "",lIedw _ Pr:rIodic PII)'Il1CnI jr\ tlxl ordfr in w)licb it bCC'Vl'll5' dill:. An'J ~!n.IIIIIlO'ut1IIIbIl.U bo applil;il firlt 10 1m chllrta. ~d 1l:l eny ather an)O~ due UIIder this Sec:urityl".trurncu1,lUId Ihcn torcduQO 1M prim:i.p.t bt1ann oC1he I"f*. lC Lotldcr _I... . pal""''' 110m Bonower lOr . 4olmqu., Pc:rio4ic p_ "".,b ;"1_ . Iluffleieat Im01Int to PlY any tall: cbargc diEl till: pa)'nlmlt a.y be: applied to Iba delinquent :p1)1ileM U1tl1hr: lme chorp. It """" "'" OIlC 1'_1. hymol1t .. mlbllmllos. Ul>le, _ """Iy llII)' _, """""'d !!onl BolJOWC" to the ftlpaynw:Dt of !he l"eriodic ~ if; IDd to 1hc extent that. each. paymmt _ bel paid in full. To the ealent IMlla}' liXCelIl mdsts aim- the payra. is wppJild lo the flail pu:ymem at oae or more Periodic P_ ouch ...... _ be IQIJ'lied to IIlIy I." ,bItga cIoe. VolUlllU)' __Db IhaII be appllc;l 5m IV llII)'I""PIl'lDlDloltarJlllalldtluot..<ko<:libodillIhoNDIe. At))' applieltion of PI)'DII:lOII, ~c proceeds. Dr MiSCel1aneoua Proceeds to prl.IWpll (hze Imdet Cbc No.. oOalIlIO'''''''''' ot paoIp",," \lIIl1loo dale. otdwllF lbc: _ of""' Periom. P._ 3, ,..do ror !!lorn" _11_ sI>a1I p"y 10 Loodor ODIhll day Pc:rio4ic hylllOllll... do. UDIltr the NctI:, until the Note is paid in f\tIl. a sum (the "FtmdI") IIJ PJOV'ide forpaymdt ofammmw due for: (a) IIw;S imd.llS5Cftmmllud otllcr i1le:lm which C1.D attain priMiry OY!I' 11Ii& Seeurity ~ as a lieu or ~ ml lb. Pmpaty; (b) I_bold paymoms 0' 1l'O..4 ..... DO tbc PlOpotly, illllY; (0) premi_ 1\>, llII)' lDld III ......... -"'<l by Lotldcr __ Soctlou 5. IIlI:I (0) llottgap --\ll<1I1iUDI&. if"'l'. ot"Y ""'" vayobl. by BonoME' m Lender iQ liell oftbe payment ofMortpge Im~ pn:ml\llDf; in ulltJl1!Aftco wid! tho p~ioIl8 ors~ 10. That iltmI ~ elued I'EBcroW]~." AI ori~icm. or BtlUl)' timt durinathe tam ~fthe LoIUI, ~ _ "'1'"" tbale_1)' AhoomrtOD Due>, P....1Uld ^"'_b, if lilly, be.........s by~, I1Dd slICb <ba, ....11Dd _ IhaO b. .. Iltorow n,... 1\0..._ IIolIl J1IO"'I'dy _ " !.elldor III 1I0ticc9: of ImICIlmts 'ltt be pai4 \IJ\dM this Section. Dmowm: IbJll p:lj ~ the Funds for ~w Ik:nI! umea I...e:nIkrwNve8 ~I. abligadonto pay the F'ItIlh fOr aU)' or.n Escmwltcm. Len4crD)' 'WIMl8~iI otIUpdOD to !lIlY to LendClr ~ fbr any or Illl Etorow t=Is at any dmc. My fJUl:h wtiver IIIBY only b" in ~ting. In rIte evalt or sw:h 'WaM:l",lIano'fJl:l' .hall pay~, when aad ~ pl)'a'bl", 'the ID1I1Wt$ dne far illY EsomwI_lhr whi.h payn10lllof Fwul, boa bam Wliml by !.elide, 00<1, it'-"""er "'luRI, Il!lall_ w Lrnckr reoeip1$ eridcmc:mS mch. pa~ wldWl s~h rime period-a tender mat mqWl'C. Bon'I)W'eIf"i obU&;Itlon m ~ ItDCh ~ Imd 10 provide receipl3 shall.fbr all ~ bedeelncd '10 be: a CQ~ and 19reerM:D1 eoJl1ained. U. thil Security ~l, u dill phmsc "'l:lJVeIIIrfCanc! Igr!llllMnt" is: Ulieel. In Section 9. IfBOI1'O'vret i, ob1ipted to 'PI)' E5umW Items dilecdy, pur'SImrt to I waiver, aM BOmlwtJ &ill It! pay tItl: ID:Il1Imt due COr an Jh:CIOW Itr;m, Lender may CQ:I'Cisc i~ right! tmckr Secdo:ta 9 allCJ PRY IInch ~ m:1 Bo~ sball1J1m be obligated lIJIdcr SectIoD 9' tQ ~ 10 Loadl!l' IDlY such amount. Leader DJJy mYOkt d:tc waiver .., to any or IIU I!IC:JDW IIc:m5 at any ~ by II notic~ giY8J\ In aeocm:ti\nee: with SedIon 15 and.. 'JIPOft sueb m'OGmon. BoIl'OWf:r .mdl P'Y '" !.eIId" IlII'uwlo.IUld 1rI "". _1lII", 1bat "'" thcn.aquiml """or 1his Scotio.;, Lettdot....y, lillii)' lime...Il<<t1llld 1>014 FWldo III Ill""""(a) _. to pami,l.eod..." apply lb. F\IIld$Oldto limo __ UlI4erllES\>A, 0lId (b) ""'" .......111. maxinmm ........londor_ "'1<IireUlldrs 1tliSPA. Lc:ndcr shan ~ 1htJ amount of Pundt duo (III tlJe bui, of euncnt d4ta IDcll'~tltlc (;5t:imates of ~dttures offiltu:te Escrow ImnJ: or olbcrwilc ill a.:cOl'dItnce witb Applicable' J.,aw. rENHSYLVANlA-Slllilfl famlly.-fln. ~~dl. MIlC VNlfORM Ili9T1WM:ENT ~_ ~a.tU/HllI (Pas-4~rU~) Ferm3a",I/Ol nQ ?\,; I~ 144 'L \\~\\):>u _ T-!86 P,OOi/OZ3 F-647 Feb-14-2006 16:12 From-PREMIER IBSTR^CT +243 3310 u.117::l.I. .11UU., . The. FPml9 ,bIill be blitd. m an inrn.tutiOl1 whose depoalu III in!tJl'ClCl by a1Cd.mIl a~, llJIImdt;ntRliry, ... enijty (incl1u!iDg Lco4... ifI..eool<t is "" ~ wlIooo llopoolm "" .. Inmnd) or III lIlY 1'-.1 Homo U>oDB_Lolldor IboIJ oppIy thoFuDds to p.y1llO_'..... DO la1<f1han d.,_lpOOitled ull<l<:rRllSl'A. TAD<ler sl1aI\ 110' obarge S_'" boIdlD& IlIId 'l'P_.... _, ....uany lllI01yzjll;lbo.....w ......~ '" vorlfyllIg d., BoCl<lW 1_ -.. LoucIor 1"1" Bono_ -'d au tho FDDdo and Applicablo l.aw JIO'l1li1> ~CI" lo mike SUI:h II e1large. Uldess an ~ is IPIIde jp 'W1'itiAs en- ..\wU_Je Law dlIu1re8 iI1rmm all be: ~aid (JD. u.c Fmu:l5. l..cPdet an dot be req,uircd to pay Borrower any \nwrc::n (It' ~ aD 1M: '\IDIh.. Ban'o'Mr and Laul"... _ ill wmios. ~....".., !hat _ 01,011"" paOI "" die Pl.mtll,l.aJdor 1lII>l1s;.. t. a_, with<>", oI1q, OIl _ IlCC<lIlllllq .rlll. 1'..41 U ""I_by R!lSPA. 11_ is o5OlPl.. .1_ bolo\ In _. ..0\._ _USPA, Leu<ler 1haI1..._1D a""".... tbr the' AeW ~ m aceordance with IUlSPA. Ifthcm is a IlwnIgc ofFumlI held in l!:lklrOW, as deflaed aD IWSPA. Lcnclet IIlaIIIIlllifi' B_ u nquiJod by 1tESPA. aad B.........1IlalI pay to Loodor 1IlO mIIwt DCQeGWy to make up the Ibo~ ,. sceordlmce wiQl. MSP.A., but boo men dIaD l~ moatblypll)'QlCbal, Irdmt Jl. 4ell<i..oy .IFuDda holl!;" "'10"'," deb'" onder RESPA.l.olldor obaD >lOlI& 80...__ "'1- "Y IUlSPA,andBo""""sl1aI\ pay'" l..ondot tho .-m'""'"""Y"'-"P""~ 10.__ RESP^, out in....."'" 1hoa 12_yp_ \lpoo~ In ~ .fall..... "eurod by1Jlis '3ceurity_ Looder ,baI1_dy "'"->dID B_"'f_lloldbyI..:r.ler, ... CblfJtl; LIRI. Bc~.sha11 plI)'all m:es.a.De!StlXMS, ~ fmcs. _ ~tition:s at1n"butlb1e Ie the p_ ...hiob _.uaiDl'riortty."",1Jlis Security 1_ ",,,.bold POj'lllOlU> .....0Dd ..... ondlo Propa1)', if""", and Commllllity ^"'>clad.. Da<S, f..., and _ It"",. T. iii, eo<l<Rt Il>lt.- ...... .... ElClOW 1-. B_ oboll...,. dlom;" tho 1001III" p""Jd'd ill Se<1io. 3, no"","" _ promptly dllcllorw: Illy Uott whi<h bu JldorIty .... llli5 5_1)' '""""""'" -. :e~ (0) -area iP wtitWB to the payment or tile obllp:ioa Rtlund by' dM:: lien in . Il'IlIDnCI' acceptllble- to Latder, but only IiO 10Dl as BOrJQ'Rr is p~ eueh.A~ (b) coZllatlIbc Jim i:d..aood &oRb by, or _ opioot ~ .f d., \il:A m. "'JIll! )llO,-ga U>bkb ill Lo:.d..... opilli<m """"" Ie pn:......' dlo em......... of !be Ii.. willi<> tbo.. proceed"""", P">lloi. ~.. ..Iy UJltiI..,h plO<..diIqjJ Of< "",.,"""'" or (oj ..."... n- dlo hold" or tile lion on _, "'is9<<<ny iO I.<Uf ",bonl....... the Ii.. '" 1Jlis _I)' ...IIUmOn, I(r.-tor do_ ...., ""l' part ofdlo P_1a oubj... 10 aUen wtIi." ..,..... priority OWl' lhis ~urity 1rIlbl1mCIH,l..encler tMY give i)I;tTTOWCf 8 BOIke ic!mtif)'ine!:bo lien. Witllin lD day. or the: dale on which than rlorica il ~vcn. BoltOwet .M.1l..~ tl\o ti~t\ or1UJ: ~~~T m<<t orlh~ flCUO'l1 tel tanb.mDW m '!hil smion 4_ l.Mdcr may IIKlUi.te Bon'OWBC' 10 Fay a OM-time charg(f lbr. .,ea.1 mate lP: 'VOilicabol) and/or ~ ....I.....d by LoDdcrln ,_1ioII willi tloll LoIn, 5. Pr'apeTIf luJurIJIc.e. Bbrn;I~ Ihan keep me impR!vemmts. ~w c:UitiD8 or bereafta'a:ecn:d Oil tb:: Prnporly _ upiIIIZ 10.. by JIro, ........ ..._ _ IiIc ""'" "..land'" 0"""""". ..d lIlY olllor badrdil h1cIudiP8. \Jul'ltDt IimiteIJ to, eanhquIkes Imd flood", ibr wbi(:.h l.e8det tll:qairu. mUlWlCX::. '11dI ~ IIbaIt II< _ in 1bo """.... (ioollldlng d<:&>ollblO I<N<laJ 11III ftlr !be poriodIlbo. ~ ~ W1IaI Lc:ddct requtrQ J1~ 1D tbe pteCediDg &erltlmcCSom clDms,c dmiog dJt b!tIn cf'lbe LoaD. 'fbe ~ carict pn>vidlng 11Io -. sl1aI\.. ohoo<o by lla_ oubjoa.. LOllder'. lipl 'o~" B......... _00, which npt sban :pot be ~ \WeaIOMbly, ~ may ~um Botmwl:r 10 pay, in c:alIRCCtiOD wi1h this Lallllt cidlC%: (a) I ono-time LtmSC fIX Rood ~ de=nintdol1t cera6clliatl IDd uuldns ~l=est or (b) & one- .... oI1q Ibf nOlld...., -....., ...wl..d.. lOM'OS""..os.....". eItarIe> ad11imc """""""" or 5imi1l1J' e!laJ3lCa occur whlch reuoaably mlsht atr~ $UC b lk'eaninatioll: or cmitll;:ation. Borrower ull also be moponsibJe fcir dIie payr:ntnt Dfmy r_ ~s<<I by d:te Fed.etal ~y Mmagemmt ~ m l:QDl1cWDll witb the rm1CW of aD)' flood zona d~tian. R!t1ldIIa: ftcrn lID abjccll.on byBQltDwet, . rt Bctrovmr 1\111 10 mJilItatt1 IDY of the ctJVCt3~ dcacribed abov~ ugdu Dy obIaiQ iDsuranc;e (:~ " J-mt!cr', tlp'\kn ~ :e.am.~', aptrM. L=der l' umlcr pet obliption to purebase aay,,1IfticuJar type' or 1lmUllt of em::r.se. "J,lmrmorc~ lII:\.K:h Mvcnlle chaD. ecr.tet LaJ.ckr. bll.t mi~t" or might not. pro1ect J3orrowcr, B(1II'OWCr'I!I eqlliry III: rM Propeny, or the COQ~ oftbc .Property, llpinst 0)" risk.. hIzllrd or liability Pl.:NN9\1.,VANlAl-SlnpF,qniJy-FIJInlol! 1Ib1iF..-u. M.: UNlFmlM rNS1'RUMll"IT fII)eUU.f.~ nfll'l'/.lfO& (Pg_hfI4Pfl1'1V .Pllna'WMII BK 18981'04443 T-166 POIO/021 F-54T F.b-14-200S IS:13 From-PREMIER ABSTRACT +243 3390 U117U. 11JJ,7af5 ond JPigW provido _leT or l<oo<r ........ __ pmrioQ$1y i. -.. __ _wlecl&a !bat... 'OOl otdte iDsuraace Cct~ co o~ mip lII'pi:fi=mUy exccoa till.' CC111 of ~e tbaI 'PomJwer could hA\le obllu..!. AIr; __ dio_ by Lclldof uodo, lIli> _ S >hall ........ __ debt of Do_ _ by Ibd S<<:orlIy _ Tbos. amounts ohalI .... i_ .. 1110 No,. rato 110m IlIc ""'" 01 dj,b.........omd oItIIl bep.,.bk, _.... -.. .p"DllOIioc limnLelltlertoBoDtl"" ~IFO_ All ~ poli~ia rtq~ 'by Lert.da'lIld rcocwa1J ofm=h poUci.cs tball 'be ~ect to~llder's risli to di._.....,l"'lici... abalI iltcJudo. -1lIOrI8>8O ._, nddloll_ Loodcr.. _"""'" .. OD __ ......-' I.ond<r sboJI _... rigW to bold the poli";,,, U1d ....wo! oori&cat>:n. If [ndc Tfq,uiJa. !omJWG" .blll promptly sivc to Leftdmo rd1. receipt! orplid pmnlllmll C1d renOWJl noticts. Jf~oblmnt an)' fQlln or InturanAi COVCfII8e. nO'!: om(ll'Wilo1'l:lq,uiml b)' Len4cr, for dlfl'lllC 10, or d~ltm o~ me Pmpmy. sudI pOlicy sh.aIl inctudea slmd.d mons-.: claullG illeS Ghall Qlnll" Len_a IfIDnpp llddfor lIS an tddflionllllocl~. In _ lM:D1 or 10", Domwt:r shall siw: prompt IIOtltt ID Ibo~"" eurier lUId l...eNk!r.1.mldcr may ~ proor of loBS iCnot It1Idc ptamp'd)l by BOJfOWl:r. UI.lJe:ss Lt=ndcr and gotmWl;r otberwill~.gme in wtit:iJig. lIdY iDsI.ttlm\le 9roccells, wbetber or Dot the UIIderIyUlg inBlU'II1CO WIl& "R!quiJlld by Lmkr, sban be: .pptied to iQllJmlOIl or l'tP1Dr oftbo P~. if 1M IalQntiOd or RpUrisecoMmic:ally ti:uI"bIo IIDI! l..cIIdcr':II s:cnrit)' is DOt It1151me4. DuriDg 11Itb rqmr ncl l"emll'llicm perl~l l.erMkr ddll hIVe dl.c rishr: (0' hokl. IRdt ~e ptllC_lDltll Lnada... bid .. oppoIttmity '" ;",pc,.neb Propcty to ......the _'Iw .... """'l'- to l.cpdc'. ....r;..h.., ...vidod tItoloucll inlpoc~OI1""D be ..d_ pI01lIplIy. LaHlor ""1 dlo1lmc ..._ for the repcsite qd mlOtttiol1 in 11IiQgl.a ~nt or to I Aeries ofpmpul ~ a~ the work 11: carl1pkled. UAlm 81t I~ is ~ in ..,;dd1 or App1ic'ble Law mt1dres iatl!ftSt to be paid an lI~h Umu:ul0I proceed&. ~s1IaU 11Otbe: nquimd PI pay BorlOW(r JI1'J intemn: oreamin&S OIlI\KlJl. pmoceds. FQClfbrpulllic adj....., or _ _ puti...1OlIiDod by DDDtIWOTIlIoII "'" 1>0 p.id ..t oflllo huurIllco ptO_ "'" _ .. tbe sole <JbllQution of~. If the n:strn&tioD or IIlpllr is wt eeoDOmbJly feasible or lblder's lCeurity .....uId be Ie.....od, Iho ~ pw_ IImll b. appticd .. tho ..... ...- by lIIiII Seourlty 1.._ whe1;hl% I"!l'not 1lu:n doe., with the excOIIi,lflnY, plrld \Xl Bolt'tJW(:r, Such inAttIDce ~ IlIaU be applied in &be ordor pravided Cor !lISoodm12, . IfBortOwer abtudtllllJ 'the Pmperty, Lmder may file. DeIOUatc md iI~tt 'lilY IvllilBble iIliu:t:mte claiD:l BDd rela~ IDI.ttaa. [f Bonawer cIDes "-01 ~od witbiD 30 da)'l to . DOIice: from I.mdcr 1hat 1bt:l iIuRlIancc curicr baa offend to lCttle ,,(:~ then Lender may nrsotil1e uc1l$ett1c: me cIMm. TbcI30-d:l;y period will bc:p wbc:n the DMicCl ., siwn. Jp. ~Iher event, or If Lader acquin:6 Ibc Propcrtty UIUkr Secti.aa :u or Qt!K:rwisc, BcmtlweI' hmhy as:iaas to Lc::ndtr <a) D()Im~'1!l. righUl 10 lay ~ pnxeeds in an 1m01Ult nat to ~ 1ho __ ~d _theN... or"li. _0/ htswmoltt, ODd (b)lIIyotbot of-..'. rigbco (CHb<rthon lbo . to Illy rellllld of W1C1ltllOd premi_ pold by BoltD_) lIIldc 011 _. polloi.. co....,. !h. I'rtlpony, moolir IS ouch rigWo &to app!icol>lo to Iho '0_' of tile Prop<:rly, Lon<l., may .... tho __ proceeds tilhct III lq)IiT or restore the PmpClt)' or tQ plY IInO\IQtS unpaid unde'l' t1ItI NOIe or 1h:I$ Seeuhty I~trurMlt, whether or l10t dim. dUli_ 6, Oo"'l'''CY, BortOwer oII&ll """'PY, ..lIbliob, omd IU< 1h.l'IOl""Y" DOIIllWer" ptiocipel residcooo wl1Ilin 60 dal' Il&r the .......... of this Soc1lrily _, Olld olIaIl COlIlinno to o<:oopy 11Io P'"I"lIl' .. Borrower's pfincipal tOlillmce fbr It kaat one yQl'titer me dllC of oCC'lI]:lucy, UA1ml!.eolkr.rwi5e asrecs in wridB&, wbicll CI&eD( sbaU DOt be wnasonsbly wilbhold, or unIea exttJ:IultiDS ci:rcllDSaIDCCI;; ",tit wldc.b are beymd Barmwm:1t tonUt1l. ,. Pteteruthm, M*t.eauee :II. Protel:lloa or .he PNptr1)'1 llltpfttla... BtmoM:r IIhA1I not dCS1rO)', dltmIlll! or ~ 1M Propeny, allow the Property ut cl.-iorate IX COImni1 ~ on ~ Property. Wbl:thu or DOl BOl1Ow<< IlJ 11lSIdhta ill r.be Proptnyl BDtto'Ner !IlWI ~taiB me Ptopcrty 1n ordI=r to prevom: 1bc Pr:openyfl'om~(JrdeeasiD& ill value due", its GOndi&lon. UI1lGe!lII it ~ plmlllllR 10 SectiO'D 5",," IepW ",,,,,,,,,,,",,, io ttOlooo......ny tcu.'bI., Do..""", "'-'II pton>ptlyn:poir tho Property;r -god 10 "aid fWlhc:r detctiora1icm Qr damIp. ItiDsuranc.c or ~OR pmct.edt ...e paid hi cmmection with damage to, or Ille liking ot lbo Propcty, Pom>_ ohoIl b, roopoeolblo fo, "'f'Olring or mlorins lbo PtopoIly ollly if !.coder iIu ..""ad _,,'" !br oucb _, L.DJlor IlII)' diobutoo _"'" ro, II.. 1ep.1ra ""'...._ io . siftgle pA)'mI:Qt gr in D Hrics Qr pro~s paymcats lQ the wort is cmnpleted. If1hc i1ltJ.n'lDte or COJIdmmation P~NSVLVA,"I'IA..smp Farnlly-J.n* MH/f'rt.GtMlc.IDm'OftM JN81'RtlMZN1' ~1"D.OIJI".1I1Ho fl'tqf,llJoflf/IIIfW) F"",,~~lllIt ilK 1898PG4l}Q4 T-ISS P,OII/023 F-547 Fob-14-2006 16:13 From-PREMIER ABSTRACT +W33QO ~U":zIlIi ;L1:Unf5 ~ III'e nol.m1leieDt .. repair or I1:llWJJe. a." Pmpeny, BormWClr i:I not nUevecl oCB01:tOWl::r'S obUplicm tbr the cGqJIellon ofsw;htepftirOf RdtOn';ian. Lellder ar III .p _ _ _I. _ _ W 11lSjl88ll... Df 1b. I'lIlpmy, If it llos _bl. "".... 1.<_ IIIIY IoBJ'Ol'I th. inloriar of the ~_ OIl llIt! Ptopertr, l..a>d<T _ giv. BaR'UVll:l ~ at \he tbut of orpritlr bJ IIIJCb IlL ilut:riotinspcPnlOll tpteifyiaa '1Jch ~l;IILIlblel;ausc. "1I.rra.."', LoID ~_. _ _... iu <leli.ll i~ dudlli1lloil UlOn"PP"-._, tlOJroWCll" or IlDY perIOI1S Of tI11itl.t':l .u;ring At the dhctiou QfBomNIU OJ with :Bancrwt:f~ knowkt1,e or COJIIeItt p'" _BlJY &lJe, DliId"","", ar_ 0l1b....1iao or._ ., lA1ld<f (or &ilod.. poMde \.<Il4e>' _ _ \Di>m>alioD) ID _aD Witll1b.I.oOll, M.lOliIl___.... ioclodc. .... II< ...1_ ." ~tiQnt~Bom:t'MI'I.~&'flCyorlO'PrDpcftyll&BDtltlw.::r'.priQ~~:midebco. ,._.. .rI.eod.". ill....,... ...l'tOpertJ.... IUetll 1Iud<<,. Sl:drlly_LIfCa) 1I_ raQ, to Jl<dbrm 1lloil_..d 'i'"....... coutale<d ID dB< lloaarlty I:1aUwII4nt, (bl- ;.. lesal ~ """ mipl ,;FilI.1Olly _ l.aoder'. ....... 10. dHl F..P"'Y oDlIor dsf>el '""'"' llll. s...nty lno....-'(mell.. .promdiaalo.~.",,*,",.,lbr__D."'ll>tf,;....,/lIr _of.1icn "'"oil '"'" a_ pQorily OWl thlJ S<<utIty Im_ "'" _ Ins .. "'-1. or (e) 1I...._11as _1b.l'l<>PD"l'.lboo LeIIlIor...y do OIlClpay Ibr __I' """'....1. or ~ to_ Lood.... -... In Ill< 1'IopaIy .... riab!o _lb. S,.",j1!'1llrUlmleIlI, blahldms ~ --_ Tho vol.. of "'" /'mpDrtY. Oed ...arin& IIdlar repairIDg... "-, Leo<lc:t'. .....'" - melude, 1>tlt ... ... Jimlled to: (a) paylIla lIy _......od by.".. wlQab ho8 poi..... ,..,. dlJo SoearIl1r __ (I>).ppeuioa in <:o\i1t, ~d. (~) -pIJing tr:llIO"el.,~. rt:ClIIa pr~CCt ita imam ill the Property sndfOT flAhtlldJlller lhls Scwti.ty fn:un:mmt, iDCI.!. its ~e4 ~ in. .. b&n~JfOCUdIna. 'See1trin8 dl, Pr\Ipm)' Incl.. bw" n.,l limited to, cntlll'ins Ihe Propcny to ~ ~ char1ac 1~ lCPltcc or \xmro "'p ~ an6 wfn60..s, 4iam Wltcr ftolll pipcI. climlnltt: buildiDI or Illhl=r I:IOdI! YiolllllDnll' Dr d'Il1FfClUI ccndicimIf" II'Id t1avt \ltftittCl Nmcd 01\ OI"orr. Althnu&\ Lcrld~ may tA\u!. s.et\0TI \mdtlr mil S~hm '9,l-ender doClt mil hm 10 do 10 1I'Id" not under an)' dlRyor abliptim1 to 40 1O.1t it "6ftWJd 1flJ,T: lendllr In01H8 '00 1iabiaty for w tt.1rina DJI)' tlT..n acriDnt I.l!thorbed Imder chis Scc:rion 9. Iwy ImOUDI!I cU~ by Lender uolkr tllill S~tiC'll9 ,hall ~o,. JdditiOJal dQbt ofBon'OWC' leeld'ed by 1hit SmJmy JDmumetll. Tht:It: 81'XlOIlm5 ~ 'bear mlere8r ac thl;': NQte: na: trnm'WI date of 4dlNntmtm aDd <IIall ba 1""'>1<. -.i1lI lIUCb iDl...... _..."" Ilvm L<D1lor la Be"....... '"'1"""",,, pa-" If,,", s.<urity I..-It au aloa<he\<l, _ .boll_I, will> oU ""'pm>ificn> arth.I_, IfoITl]wcr&hl1J not ltQTenc)erme IcuchQld CfWC IDld intm:llllme;r.nco.n1Rl)1td.QI'~'l\a\I;;<< ~m it~ ~und~ 'BClrrnW'C'l" .tulll "Of. wilhout1b1!! ecptSS wrincm coo.cntofl.etlder, a1tcrm amwd tha IfOOdd lease. If 8o:1fllW<< ~im (ft ti.letQlIhe Pr~. '1he l~ tmd1u: rllCl nllctllllll Jtotmette unlClllLendcrllptl1 m~ ~in.mtJna. 10, M.._ ..........lfl.etld<r "'lulo:<! ~ _... _~Qtl Ofl!l8lOos "" l.oIm, Bem>Mt .Ilall P'1 lba p........ ""Iilod to"""'" rllo Ma_lIII_ in .llOoI, If; l'w way _..the M-.e __ "'''"F..qulred by Lalldor.-." "" IMIiI.blc _ tlIo _,p _l!lItp<ortolllly provUI<4 _ ."...... Cld "_ "'" requ... .. _ Mp.....1y doaipolOd p'l"Jl'I'I8 10ward 1110 p""a""" ... M_p """"""" B"".....1ba\I JlIy 1b. ~ IeqlIlm\ 10 obllln ""_ ."",tialIy .....11llau lU th. M....... _. pravia..1y .. .rr.m, .. . co.. wbmolt&lI,I ~ 10 lb, _ 10 _......rlbe MllII&II' _.. plavi<>1lI1y 10. .ll't<t.1iom 811 1Il_ _ac iM= ,,1oc1ad by Looder, IfoubOllmliallY "\Ii"""" Mortpp _... "'CJ88' is.ot mlllbl..Ilo"""" w.n........ to Jll.t la I.auIor the_aflbl:_tdy~_I!1BI:_dIoo_1be--''''''''''ll''_....iII RIm. lAmck1 win tcCqJt:, '* aaa RtIin Ibw ~ as II non.re.lba.dahlc loll> ~ in 1"," of Mcnpge I........... SodIl.....oava obalI b. .'.....lIld41d.. ._~ Ihe Iaall!llt Ill< r.- ill D11i1Dlte1y poi<! i. mu.;md LeDdttabalt Dl)t~ 1"l)(I,ui:e4 V) PlY DatrDwcr IDlY irUeratll OtClll'TllJl&B 1m Snw ION R'S1:f\'C. LeDder CUI do IooS" "'III" Iao. ""em: p_.. ir Moll88&< 1"""",<< """...go (illdHl 8lllCl1" IlIIIIIbr 1II. peri"" lbo. l<l1clor req......) J"'C'Vid<d by Illl _ ..I"l<<l by ~ ,pia bo...... ....l.bl'. ;, oblllMd, aDd I.ond.. _i... _If ....1lII"<d JII._ _ "" pmnl.... to. M""P1l" lMDra..e. I! Lead.. ~ -.... "._eo ... e>>ndillo. of IIlI!dIIa 1lu: LQ..1lIIII ll_ _ n:qDimll. mak, sop"",,1y dtoiguo>:d pa)'lll<lllllUwrnl "'" pn:m;.... for M"'_ _, Be_ .hall....1h8 p,..,;.... IOq....d 1._ l\kIrtpp lnllnl1CC in cltect, or 10 provide I D(lo-miPldallle 1018 ~. umit Lenl!.."s ~ for "'''''PlIO _..Obd>iII_ewitb ..,,,",,,,,._ _11,,,,,_ aIld I.cnda<~li>r PKNN$Yf.VA.VJ",-m,..t FlmIly-Pamw. MadfPMle Mac UNlroDlIWSTRllMvn'" =t~,.p; IImrlaUl "'''fl/UPRfU) 'C1nn30J9lJ11l BK \ 898?G4~45 T-166 P,012!023 F-547 F,b-l~-2006 16:14 From-PREMIER ABSTRACT +24S 3390 UU73,a . .. :z.~1I111 neb trnnibltioJllX \IDtil tJ:rminIdOD II reqnlred by A:pplicabio Law. Notbms m cbi& kctiG.. 10 aU'oc:t8 Bomnn:r'& obliga1:l.on 1(1 pay mterest lot the ~ ptm'ided m 1ht Na\e. Mllnaqe 1~ reUdluncI Lmda' (Dt lay eIl:lily I:IW purcllal;ltS d1e Nom) for cenaia louc:I ,t JIIB)" iJleprifllottowcr does nottq)l.1 tho Laen a; I&*d. Bl;lnower is not" panytu!be MortPp II'1smInct:. M_p__d".....laldok.....U&ll<h_... fmuhm......_.olld_..... into ~ with o'lhcrpmies!hllt: shan:: GrmodUy thefrrkk. or~ IoucL 1'ble&c ~.., on *"" and ccmditiOD!l IbIt arC' cali5fictoly 10 the mo:l8'&:e iDsum m:td 1M oIb:r plfty (or partia) 10 1htllC' ....1IOIii....~ "'"'" _ ,""y ~ tbo ....... ....... lD make ..._ usma ..y ....00 .r -. tllo. I!Ic _lII'i_rllll)'.....llVIIilabl. (whil:hllllly;"clIldo_._lioOIM....."'_.,.......~ AJ a I'mIlt cf'lhesc agteement!l, Lmtder. any ~ of 1>>0 NOT.e,1II01ber ioIIftr. Idly reiD~1 Ad)' _ "';Iy, or ..y ollillo.. crony .r<he I'mogo;". _.....'" (dUeaIy.r mdl1oClly) ""","1Ill1a< den.._ (or"';gII1 be _..) .podiDII ofll__', _II tbr M..._ 1..........Io.""'lwlp I'm oldtios OJ RUXiif,yide IX motrp.. iPs:t;qa-11t rislc. or millCms Jonet. IflillCh aptlmd1r tlfo.,;:des that III atliIJate ofLc:nd.tt mkflS I,hare 6fthD ~'s rilI~ f,Q CDUlhase lbr a shire oftltc pmnlums "aid to IlK: iJ:l.sInr, 1I'1e lUIatl,CanllPt is oftf:!l. te:nnecJ "n:pdve reioouml:e," Further. (a) Aay ftJdI ~II wID Pat deer cbllllUbDlIOlI th., 8orr'O<<er hal qreed to pay COr MOrtpp IuufIlUl:t. 01' a.,. utber tenQt of the Lo~. SUb a~1I wi. pot IDenIIIe' t'be 8I'IIIIUDt lIorrllWtlI"1VUJ GWII (or Mortpp IaI1Ir-.blej, nd tbIy wOI DOt IilIlf1de Bomm-ar Co BY rcfQd. (h) ADf...h ._... win not oll'.., l~. rip.. aa........' Iw - If ..y - 0Iftll _, to th. J'duJ1pp lMwace ad" tbe ROlQClG'Mlers Protod101l Au 01' 1998 or IIJ,J' oGIer "1t. Tbest rlPtllIIBf Io.d.de llIe rip' .. ........ mtat. dllelot...... .. rtqIWIt ..d .- a_. .r u.e Mori.... hmanuu, tv bve tbe MOrtpae IDlllt'UDI!! ta'lnlnaN:d luarndl:lIUy, ...410[' to rwetve . ntaud or lUI.)' l'dongAII: l-.anDce prtJtdwm tlnlt 'It'Cre lIIIeltUtd. It tbeUate .(neb aDC!dladOQ or rermhwloa.. 11. Al!dPmtlbl of l\IhceIIl...... l'rocew; Forffltun. ,\11 Milledlancaus ~I are hereby ..oIJned 1D ood .1ulI b. pald lD i.eQd<r, If !he Pn>p<rIy i. d_1lOd. ,...b Mlseellaoc.1I5 l'lO<OedJ aboU be IIJlIlU'" 10 ,."...ti"" or Itpalr .nlle Propmy~ if the teIlDratiou Qt' repaiT is. l:lClonamieally &:t.ItbI. and teoMr'l ~ it Q01. ~ nuriq un ~r IIDlJ n:&U:IratiDQ period, LacIer -.II lIl1Ve 1be ~ 10 hokt such Ml8cellP01M ~ Wl1iJ LcDdcr has lood .. "I'Pommity 10 ;",poet &Il<h Plopmy '" ...... the wort h.. b'" ~0l0d to """,,,,'. _.. pa>Yided 1IIat lu<h iaapection IIlIIlbO __ p.CPllpIIy, Le=der may pay for thc ~ 1lIld _OIl ia . siDglc disblIl'Ballmt or in a sc:zia; ofproJR=' pa~ 8JiI tbe wert it; ~omplsted. thl.lW III.~ is Qde in wriIiDg or App1klb1o Law RqIIiIc:s iDla'eI( to be pllid on &UCh MiI~1laeowI PrDCa:ds, U:Dd.er aba11 pot be -"'>110 pay_ my _or ~ CD ....W""_ PlDOPCds.lf1llo n,"'''''. orreplir i. PO' _Iy fioall>le.r LalcIar'. ..curllY ",,,lid b. -cd, lb, MiKel....... P_. ahaIl be appUod '" 1Rc SUIIU secumt by fbJa Seeurity ~ ~ Dr 0111: thcA due. with the n.MS. it IDY. pltd. tQ BODoMI'. S~cb MiM:ec111MOU1"~ iIhIlU be applied iQ the O1'c5e:r provided. for tn. ScctlOtt 1, In the tyml of.. totallakmlt dmraclioR, I;Ir' lots iJI vNue of the Property. tbe Misc:eJlaI:Ieoul ~ shall be applied lD the 1U!Dll 8ccuI"Od by thi& SClI:IJTity llaltllmMt. ~der or not dte4 due. widt d1e GKa!8S, itlln)', paid to Botfovter. In the emn: ala pm;iaJ tHin&. ~1:i0D, or Iou in value oft!le Pt'aperty ill whl.eh tho tair markt Yll111:: or"" ""perIy _.~y betbre... plaliol QItj.g, dolinlelio.. <It 101110. volII. II eqooI \0 or _tcr _.... """"'" .rlbo..... _ t., tbIo Ilccurilf lmttomem _d11I011rl>el;>..lIle portial 1llklPg; dollrU'iioo, ..."'" in value. unlca BorJDWa' IIIDd Lender otberw.i_ 1Igret: In Wlitina, the 5LIIIII IIc:m1led. 1,y tftig Security I11Itr'ImJ::m a!IIII be red...'" by 1110 ,",.''It.' the Miaa:U....... !'roo",", mulliplied by tho fbl/ll'Nias fit,U'a: (0)1hc: "'Ill """"'" .f........ ........ _Iy befOre... puUalllkill& d~OII, ..1011 In VII... dMd,d by (b) !be tlllt _ valoo .fdie I'raporIy -"It before the pmtialllltiag, dooPUotion, or lou In vol... Any bol>Doo llIlo11bc:paid"'Ilotro_, ' 1II1l1o...,.'.r.putlol_s..........ti... arl."jp ......f1htlI'toperlyiPwhioh 111. tBit_valoo .r.... Ptop<:rty ~y beflmo thc pOtdet _.. _., or I... ill >0\.. i. "" IIlon the.....,. oflbo 1"ENNSYl.,VAI\"'lA,.o.S. Farnlb'--'IIIIl1M M-flttfddltMlc tlNJ1Obt: INllItRU1d.t:'fT =u!'YD Ut:l1tUI4 (Prtptl~U~ FttfIJ mt MJI Illt I 898P\;!.j446 T-166 POIS/02S F-547 Feb-f4-Z006 16:15 From-PREMIER A8STRACT +243 3390 UU1U' . . 1,UJ.7:t,' sums UiCUl'ed bnlmcfialtlly bafOno die' partial alkinS. dcstructi~ or loss IIl1l1U~ wslm .BCl'l'ro'M!!r IDd L=det ._ opt.. """"'\10 Ill< 101I_ _ WlI '"' "I'l'\\od '" Ibe..... _loy fDl. Seclltil)' J~~t'otIlO(dlelUJrllJ_lbe.cIuc. If the property is abLml.i.oacl1 by .BDml''Wf:l'", or if: a~ notice by 1...coder 10 BDmJWl:lI' tht che OppDlrirsg hrty (II 4eiinc4 m tbe next ~) offm, to mIlK _ I1'r4td 'En MtUe a QIin1 rOl' t!Imapa, Ban'OWer bUs to mpolld '" Leoda wilbln JO dI)'B .tl<<lbc ..... Ibo n.de<> is IP_ t<oder is ._ In eouect and Ipply d1c .MiIIccUamous Proceedl eidJeT to rc:sIoruiOD or ~ at the Properly or 10 die IWaI li~1ltCC! ~ t:bi8 ~ty ......... whmcr .,.."t1>mIbl.. ''Oppo,;1lIl P"'Y"...... tbo 1I>hdJlOltl'li>U."" -.. MUco_ Proceeds or dle pmty 18lIiJIsr: wbomBonower iul:! a rlptoflelioQ b. ~ to Miit:ellaneaus Prvt;~, llc",,_ ",.n '"' \r, Ilo_ If DI>Y """n '" ~illll, wl><tb<o eM! or.,;",mal, i> bc81m 1bA~ I. L...s.... iOOil"""'> couI~ IO!IUk la tbrfti_ .r1bc P,opelt! II< aIhm-__ ~ orl<o>dtl'. _ in the ""'_.. rish'< IIllder tbl. -'l' ImUUDiCIIl _r "'" """ ","". deflllllt ODd, ir",_.. Ills OCC:~ mInRate as provided in Seetioo lV. by CI!UinJ the IlctitId. ot prococ:d:bta to be dismiel!led. wiib. a NJiJIB tIlo~ iIll<odcr'. jcd....... JlI<t1>nlel fcdll1u1o .f"'" PropMy or o1hl< mllOtl:ll ~l "'\.nil,,',....... ill tli. Pro1>"'l' .'ripis uod" lI1i> Sewrity _nt11lc,_ or IllY _'" e10imtw _p 1IlI. "" _b_...1h...,_..rLoad"'. ill_ill1l1e~'" bm!>yuolll\llll..~ohaU bop.l~ tOLe.. All M\"",-. _ u..t lll<lIOlapptiodl0 -co "''"l!olI' ofOllol'>aporIy Bboll'" IlflllU'4 in 1bc_-",,,,r,,,ioS_l, I~, a_ N.I _1<<1, Forb........ By l...der NO' . W.lver, a.....um of.1re Ihno /In' l"IY-' nr_" or....- or~ ..... _by thie SecuriIy l_l!lI"1<:<l by I.eodcr ID Borrowm or.y SUcCOMOr iu Imc:tclt of:eoJltl~ Bball no~ open1Cl to telWCI UIc lilbUhy of lI~ Of IIf1Y S~aISOft lI. Ir=m ofBOl'I'OW;r. l~tt all not be Jtqu.itec1 co CQDJIDCII.CC' proc:e<<Siags .gaIns1tny Sm:ctmor in 1III:r:ttsl olBmtI~ or to re1Qar: l;Q! ~ time for ~ arQ~ nn&fy ~ Qf l1I,e 1\m1A ..<mod by lbiA S-'ty ~ by _on orooy ~_ _ by 1bo odstmolll- or ooyS..."'.... "' ln~ ofBoll"01rm-. A1Jy fbrlJc:al:anta by Lmdcr in tJ:llrClsing Py riFt or~)' im:ludinr. without llrtiliad@, ~'" ~ D1'PJYIIl.~ Am:n1birdpmam, c:nti'Iic:aorSU~n inImeroll' DftknTowcr or in iUDOtalts leN than the IUJI(II]pf then duo, IhIll nor. bill' a waiver otar~cltKll!I die exert:ise ofany rip!: at mdedy. 13, JoInt ancJ Sfvf~ lJllbJUty; C"'lr;nt'fI; SlIfeelfOn JmI AuIgnI Bou.d. Bm'tOWt\'r cowtlldtS u('l .grm QlI1 )knrQwr;:r'& ob1iJ:al:iDDlIIDd liability shall bl:I jlJiat snd 1le1Im], However, CIY Bonower wbo oo-!ii.Jl1S lIIiI Sc<1nity """"",,"' bIIt _ ."It .."""" Ihc 1<.'0 (. '-"'oa"): (0) IJ o:o-oipS Ihio SmIri1)' -.. only '0 _~, _ owl co...,. lhe co,oI_', _..."'.... "-"" umlo.-Ibo \emll; ofthie -ty ~: (1));' nolpmolllllly oblipted Iopoytbo '""" sccd1'<4by IlIb S...,uy IDlIr\l1J1OOl; ..a (0) ._11>a1 LoDdGrand IllY _ 8_elll._ '" _, mediI\!. forb"".t maIce IllY ._.lio.. with nogan!tO motem'll~f1hisS~ ~ortheNotewilholltthe(:tI"li.pertlc~ ~t'DO the plVviliona of9eet1.on 1'8, 811)' Succeuor in JntcreSC of'BoftQ\1lW \Ir'bo tIIiSIImeI Borrn\ver" obUgati... ...d<r lhio S~ ..""'."," In writin!l. ..~ io IIPpIOV&Il by Looder. ,ball _.. 1II0rll...".,.,', risJlts IU1d bcoeftll 'UDlItr tbi.1 SeNri~ ~L Borrower sb11 J!Ot be rd~ from Borrower'. oblip1i~ Ihd liability" lItlo _ty _t 1llIl"", Laadm- _ 10 ...,;, ",1co.. ill writmo, TIle co_ ood ,_ .Ctb;.So<urio./ ~ .blllblo<l(_,,,ptoYIdId" _on 10)""4_"" ...- .......IIDl.rl.en<l<r. 14. LolA o.ran- LedMt IIUIY clrargc BomIwet' fb"" fbr Il!Mccs pafannt:d in ~c;rlbn wt1h BorroWCl'" dafaull, fer tbo Pt,qU].C' ofplOt!cDaJ lA;tIdl;:l"S int~t in tQe l'nlpa'ty raacI risbbi under lhif;, SeQunty "'_I, illcludins, b.t .otlimile1l to, """".,..' rea, proP"1f lnopeo1ico an<l valDAtio. IlooL 'n n:ptd to ooy ot1ler C"", t1Io ._.. or_ ._lily ill chi> S,curityInotlmnonl '" <l\ItII' .opooil\o ro. '" Il........ sholl no. be ..._ .. . pobibition co tho olmr:8ina or ...h 100. Lead'" ...y not c/WJo rc.. rhal "" "'""""If prollibited by thio S<!eUli1y Insmm..ll or by Al'l'U<ablol.&w, If.... I.oos1 i> sub:io<< to , 10.. oiIIich ..In _i"""" loan <blo1l<o, lllJIl1lmllow i. JinAlly lmotplOlod '" that ll1e imer!:st OJ odic IOID ebarp callflOted or 10 bo eollechkl in toDM4ldon 'Nkb Ihe Lolllt ~eeLi rM P"""'" 1_. _: (.) ..y .uoIllo.. chull" ",",II .. ..4..04 by lb<....... """"""Y '" ",doee tli. cluo~" PI'.NNSVI.N'ANIA-Sfn8l~P~-''''''''' ~1.*)f.ctJN'IFOllM lPln:R.u~l"l'r ~~"I'RII."''I'''"", ~PtlJJ4~ hn:ll:mPl}D1 BK \ e 9 B FG 4 447 T-166 P,OI4!OZ3 F-54T Feb-14-200S 1 S: 15 From-PREMIER ABSTRACT +243 3390 2.U111.~ lW7;U 1Ilo penld11td lum~ 11I4 (b) any ...... almdy caU","'" r.olUllom>Mr whi,h ..,oodod __ llioIlS will be ..._01.. B""""",, !.cod<n'...y _ ro_lhiI_ by rcduoloI '"" priDoipallnOCd _11>: No.. or by dIIIliIlg . em- p~ IU B"""'"", 1{...M>d mill", p"'ip.~ tho red_ will b....."'" os . poodaI prop.yoQl'_" any _........ (_or ""lOt. prep_ cI>qo is plOYlded wOIIderl1wllQICJ, _'a OCC'l'tob<< a{my sucb _ .- by mr.cr_ III 11_ wIl1.lIIlilitute 1 waiver lIf..y ~P1af_B_migJ>1_arioIDi .",of""'" ............ 1!. Nett*- AIl .otioes given by Bonower Dt ~tr iD ClOQntetioa. -with 1hi$ St.emity ~t tmM1 be m _.. Any tIOtioe III 11"",,_.. """"cIIoa .,.;,n litis _ly _. sball be dc_lO hl.. bocn pen 10 BWOMll' whea:rmWed by fir&1: dasI mall or 'Wbl::n IdUIDy dclNered to ~'s no~e IddrI;sa ittenl by I;lther melDS. NoUc:e to my GDC' !lMmwer $haD constirdte aoc:ifz to aU BDn'CI\V1r5 1IDlea ApplIeable Law expmsly ~ otbcJ.'Wis.e. The nonce IIddreu Dl1 be dl.C1 Property Address 1Dl1t:Is BOITDWa'!lN dmipated a subrtit1llc DOtico IddmM by nalite co Lender. BOPDwtr aU ~lIy nod1\; L=d.er of BIJI'1'O\VeT'. dwlse of ~. If LUer specifies a paee~ mr RportiDg 8QaOwcr's 1Ct.. of Iddn:a, _ lIOIfOWCr &baD O$lly """" . tlualA< .r _. ".">up lba. 'l""i&od plt><COl.... 1110'" may be oaIy ... doslp1cd ._ _ UDder tlti. Seeurity InIII'IlnK:nt at any DI\I:I time. My nor:leo to Lender Iltalt be. siYCII b)' 4eIiw:rina it (1f by malting it by fim ..:hm 'INlI ftI I..cflder'. addles. stuc:d ~ unl. LondClf hu dofignldecl anot'hcr Iddrcas by notice tu aorrowcr. An)' Dntica in eoaaectlon wilh Ihili Sewrit)' InlCr\lment IMt1 "* he d=md ta hllovCI bean given TQ Lender lJDtit utUtd1y foccived by ~er. ff any notke mprlred by tm. Security 1nmumcnt 11i _110 reqllired undor ApplicUJle Law, ~hl:' Appllcablo Law IlIqUtrc:mmt will Atisft 11'I0 eomapCJlldfnS 1'~uit-m1eft1 \DlderthU Bccurit)' bu!31l11'l1!ll1. 16, c.r....11Ill LoW; s..e"'l>Ill1l'; Raid of C......cdo.. Tbia Sacuriry _.t sIIaU loe 110- by __I law 1>1' lite 1&w.r tile jutil<tic1iOl1 in wblcb 1110 '..parry i. Iocalod, All riaJm Old obUjpOimls ,,.,It,ll,,., m thiiI s-;.y --." ... oubjccl III any ~lS 11I4 \iallratl_ .f Applicobl. Low, Applioobl. Low ~ mcp1ieitty or implicitly .now the pmi.. fa -.-ee by catltrac.t OJ" it migbllle tum. ~ &ucb. ~ sbaU lKYt be ~ IS a prohibttloD asaiml agRIemeut tJy iltIDftet. In me CVImS: dw. IPY provi!li.oo or clauac of th:ts _~ .......... or I1w Nola _ wilb Appliooblo Law, ...,b coatliCl lIb:tIl nal llIa:t otller ptllYisiolm .r U:li5 Sccarl~ III!Itrtmli:Il1 ortbe Note: vtbich C1III. be. liven ef!tel without thf: .:aldlit:dua provision. Aa U!t!d in Ibis Sewrity 1nstnmIont: (a) wotdI Df !he RJISCUIino ac:ndn' shall tdeul lAd Inclll:de ~& neucrr wonts Qr wOrds of'tbc :feminiac ~er; (b) 'WOrds U:I u.c &mgublr &ball mean ad Qlcll;Jde ~ p1nml and vic;(! versa; lAd (c) the word "may" pvt:!l sole discretion witbcnlr: any obtigltion to take lUI)' amaa. 17. Borrower'. ellp)'. Bmower dWl be pm CJDe !;llpy ot1be Note: mltd'tbis Security Imau:mcm. I'. Truarer or lb.1l Property or a Beundlal Inlmnd III Darr'OWer. }os used tp this Sl;:C:!:ian 18, "Interest in the ~ropm.y" rnt:8M any le:p! or bClJeficiaJ inlmSt m tblO Ptaperty, in::luding. blJt nat limited 10, 1hoIc: beacfi<isl _... 1rOItlIfbm:d III 1 _ W -. ""till". illt deed, ill5llllmctlt _ QQ._ or ...,.., at;reemeDt. the irtImt of which is tb: hOSfu of title by BOJ'f'OweI' at . fUtate dIto to . purtbaRt. [taD or my part of the Propcny ()t any Jak:resl in. the Property j" told. or tm:ustemJd (01: irBo~ is dot I bltUnll permn epd a bendiclaJ 'Interest in Bonoww :J$ laid or ttanlfemd) wftbout I.c:ada"s prior ,mlml eoo,om:. LeI1der may tequW ~ paynu,t in full or.n 5UIl'I8 seoancl by Ibis Socurlt)' IDRnDbeII.t. HQWevCl', this option IlbB11 nollle at:tCistd by LendeT nsucb OMftliic ill probibitz:d by Applicable Law. If Lem:ler exert-iaca 1bia optkm, ~ 6hl:U sive Bomwer lIDtice elIf 1ICCt1.Imian. Tha DOdte sbaD. Jll'<>- 1 period aftltlt 10" _ 30 ~ _ tho d.,. tho lltI1lce .. aMn jq ....nIlizlce ,.;1Il _en IS widiirt wmch BOIlO'""'..... P'Y all ..... secored by II\m s..<lrily _L If Bill'!""'" filll. III Pll)' ""'" ..... """' '" lba cop..lioo .f tblo perind, Leador moy ......"" say _. ,_ttod by Ibi. Seaority msr.-ot .._ fbrtbernodct:' ~t ~d onBorrowt:r. 19. Bonow~~llUpt to hlan.to After Aceelcradoa.lfBottOWS' meets cerl8iu condmou. BmrOWtlf sbJIU bnte Ih~ riabt 10 UVt: mdbre~ aClhia Scmttity Ins1n1tn::llf distoatiQl1ltd It lQl)' I':I.b! prior to the atrliest elf: (a) five daY' bdon: sale of 1ht: Propc:ny purtUUK tQ I!IlY power (J( slle conllline4 ill /hit Security Imtrdrl1ml: (b) SdCh <>1hcr pcdod II Appli<:lblcl.aw might IIpC<ify l!lr!be .......ti.. OCB__', rll!lrt '" "'.....10; or(,) ..try .f 1 jadsa- mllaain. lbis _~ .........L 'lbosc ,"""lrlD'" .... dial BOIIUWCO (.) PSY' L.."ler IU SUlI\5 wWch h. would be due under tlQs Sel:lIlity I~ uu11bc:: Note as jfno Iccelc"tion Itad occurndj (b) I'r.NN8VLV ANIA-Sina{~ FII!'IIb-,."III. Mh'JIl'Iddh~MIc UNIFORM II'fSTRUMENT ~~~~ ~'/U'~VII (P.iOrj14ptfP$) 'enn3OW 1/111 BK , B 9 8 PG 4 4 4 8 T-ISS P,015/023 F-547 F,b-T4-2006 16:15 From-PREMIER ABSTRACT +243 mo 11111::1111 ~1:Ln.1 . CUP:$ any d.diJuk Qf my Q~r ~lUIt! or Isn:cmm.ta; (~) pays B1I ~eGIet irIc:unCcl ta edfarelIJ8 tlUs SecurIty 1_ inolu<llD& ~1Il no, _ ." ,.....",* a_' ,....!l<Ol'orty IoIpoctio.llIld wI_n feu, ",d othtt f... iJlcone4 \br "'" l""Po" of ...."...,g Ltu<l<o'. m.....' in tho l""Jl'IlY lbIll ng!no 1OId", IhlI Soc1Itity I~ BUd (d) _5 sudI ~ II! Lenda' nBY reaIOPIlbly tequfR to insure Nt Leoder'~ i11le1Qt iP the Pnlptrty '"" rtpIl_lIIlo Socotlty I'n<1rumool, IIl<l B~ obUplion.. pay 1he __ .- by rl>io Seellril)' 10$_ &hoII __ ""cloolpd, Looder _l"l\Iit< IllIl Bonowo: po}' su,h ....._, ""'" llIld _m'" or_ oldlo 1b_.fO_,,, oel"'l<<l byl.o1ulo<: (al tISlq (b) -.ycxda; (0) eortlf<O<l ~ blUlk c:b:c:'k. nuun:r'. cb~k: or cubic:r'l tlleck, plV\'lded any SIICb cliett Q; dnW11. upclQ aD iaJtitution who" d",.Ii" """,,.,.,d by a _ apey, "'_IaUty ort1ltil)'; "'(d) m",...,;, Funih T_.., Upon ~tttyBontNrd',Chil Security~tllKlob~~61Jd'ltysblJl JOmIill tull)'dT'ediYou: ifno ~1!IUIdod bill! 0Cl:l1llltll. H~. _ riJbl: tomtl.lltalw $hall not IIpplyin thI1CUcO! B=lShuIiDn tD1dIr Scctlan 18. 10. Sale ufNDta; ctat..,. efLo._ 'Senlc:er;, tt.dce ofGrlm'dn. fieNOIII/I or aputitl iIn:I:mit m ~c NOlO (......... willt Ihio Smlrll)' 100-"01) ... ba ..ld "" or.... _ widl.lIt JItIor..... 10 a_, .\, .... udll>l ......1 in n eball&o m lI10 InIIl1ll' (\<00- .. the "L<>an _') d<Il ",UC<\> p..u.ue P_.. .... _Ill. N.......lblI Security __ "'" pmon.. otlle, man_To.. ,OlVlciIIB .bU8*ti... _ dIo N.... IItb SIlCIlriI)/ I.........~ llIld AppUwl. Low, Th.", aloo 0ligII1 bt ... or ".,.. .huIa.. .r lit. Loao ___10' om. .fdloN."" If_1o "wse .f1be LoanS......... a_will boBiv"'wri_ 1lOtkc: of the elmJtIe wbita will ffa,CO the lWM &lid tIddr=! or Uz,e. lIew l.oaA ~ !he Jddtas. to wbiCh ~ sbmdc11)e made ana my g1b.er illfarmlrIion.llF.SPA Rq~ in lXmlUICIian with a uodco at ttan5ftr of iClVicUis.UtlKl NQW1110hl 'BId 1bcmf!c'Ut~ Laan it ~c1 by a Loan 8~cr oth!r dum elIc=}J1JI'CbaserQtthe Note, 1bc mortpacllCllltl ~I oblipt1tll'lB 10 ~ will n:nmin whh till:! lAm Serri~ Df bd trut1fcttcd; 10 . ~or r.. Scrvil:Cr .nd IlRJIDI BIIIumed bytbc Notc'ptll'cllucr unlc.llI8 (lth1ll'Wl1ICI ~vided by Uu: NOU! Jl~1uacr. N~1hct B~ 1)Ilr.' lcod~ may ea~m:e, joQa. !;If be jQUIecl ta my judicial t.etil:ln. (" fJ\tbcr In in4i.Vidl3ll. UtlgaDt or tbe: member of 4 cld) that w~s tom the other pmy's IclloD5 PlUluam to this Security ~ Oftbat Idle.. that t1It: at!l:lrplEt)' lw 'ltn=adIcd on)' pM'bioa. or, (If gy duty-owed. hr~ ot.lbia Se<mri<y ""- uoril ""'~ ll"""_ or L<<ldor "" ...nod dIo .1Iler p:If\y (willi .1lCb ..... siv", ill .D~an.. willi the roqulromoblB of So_ IS) .f .1lCb aUogd ~_h end Jff.rdod the Diller pOny _. . __10 paWd al\tt tl1e sivil\ll of ...h ooueo 10 lake ._v. ,oti... Ir AppUcablo Law p",,"des . tbIlo poliod whi<ll..... elapID bollJn:...... ..~oo eo. bo tWo, dIIIt tfmo p<dod will bo _ .. be_Id, lbr p_.t IhiI pllagroph. The ..11<. .r _lioD tmd _1I>nily '" __ ,.... IOllotmoot _1c -.22 ood Ill. ..ticoor_l........ Biv", lbBDm>...,. ,...uanlTO S...... 18 .holl bo d_.. saUoty Ill, uoti", ..d_lt1IllIty..1Bko _ve ae60n pnMslouo Drlhil_ZQ, :11.. duaI'dDId~. As. usc:d.i:a dIi& Section 11: <al '~'U&.subs;mees" ~ those !lllI,ul;Gctli dl:!1ihri 8& mic (If ~dmJs ~b5tauce:t, polluauulJ. or wutft by Fnmrzme;I1III law and lhe tbllowmS subamDc03: pso1iDe, kerosene. othcn' 'QllIJD]tD.ble or tom pc:ttOlUb produetl, toXic pettkides IIDd bcrblcidQ;, ..JaliJ. ..I...... ma_. '_$ _. or f.OIlIlddlyde, "'" tIdi...dvc ~ (b) "En_1B1 Ur,v" me:ms i'edertllJnw; ant! Jnts ofthe.i~lttim .11: au.?nlpetty ia loc*d lhIIt J*te to be.llh. ~ Or envItoumcnRil protmtiOtJ. (e) "SbvironmcnJal C10aaupIt il1cludss any m;poDll:lIICUol:l.t mncdillacrion. orlQOOV11 ....c. ,,<ltl_ ;.Ii~ uw: aod {dj.. "lillYir......1BI Condition" -.sa eondidon tlJal_....., ...IIi_"'. DtotborToise lrillP Dlll!ll\'lrool>l>lnlBl CIoaoop, Bar:mwer slmll1fQt caw;e or permit tbc ~ blew di$pOSal. cmm&e, or releae of aDY n.:mduus Su&staDCIll~ or 1DreDIIID 1(>> ldeUe aay HlIZItfdaus ~ (Jrt or ill (he~. BI)tl'Mw:t WI! DOl dD, _ 011... lUlj'Oll' .100 to do. llllytlliag -$ tile l'topcIy (a) IIlat ;" ill violoti.. .r IIISf __ntalLaw, (b) ..wieh ~ an E~mJ CaDc1itiad, or (~) wbioh,. b to the PR1eDl:V, 010, or h:lcue or. Hezardolll Sub~. anatet a coudi'licm that Id~ty Iffects the wlue oftht PfOperty. 'rbc pruc:ding two I~ Ibln nor: appl, \0 tbt: ~ use, ht ~8C on \be l'Jgpen;y or 1DJI11 qulAt!.nts of a_mow. SublSlaDCCl that: ate pIIOOIlly....".;z.d ,. "" ~ IO...Dl1Il1 ~.... alId ID _. or the i'Jupeny (hloludh1& bulnotliaitcdUI.~..ub'1BI1t;e!l.d.~t~). PR.NNSYLVArOA....aillllo Familyw....lt:rtt............ ~ lSI'ffFOAM IJlf51'kllMlN1 ~h.. o~I~'nv.' l~lJrfU1HfP') r.....3\n9IAII g\\ \ B'38?\l441.;9 T-166 P,016/02S F-547 Feb-I~-2006 16:16 From-PREMIER ABSTRACT +243 3390 Juan" U..1J,72t' _r <ball jlRlOIPlly Ii'" I.<oda- 'Ori_ .uti", .f(.) IUlY ilI_lI'li... <1aUu, donlorld, _I or OIbetOOli<>obyonyllU_w"'B\llaI"'Y_ "'~_ -vIqllloProptttylllllllllY 11_ ~\lf_~" .fwlli'bB"""""bosllCtUal_"'F.[1>)....P.n_l CoudiliGo, meJtt4illl but: ao1: 1imi\Cd 1P. any epilliDg. k:ukiaI. dili5harge, Nltut1 or dIreIt at n:leaac of !lIlY Hazardous __.. and (0) any eoodilion _ by1llo P"'_. ." or o:Ioue .f._... _..... wlllch odocncly afI!c::a die wlao aftbt ~_lfBOIfOWCI' IatIlI, or ilaotifitd by any so.""'_....-r. ar:rcp.latnrylut:bori1lY, or "'Y pn..... puty, lhat Illy mnowl or .tI", _.11.. of "'l' _.. s_ alIOc1ioIlbc P<Oplrty ~ JIOCmB)', Bo~wer lihan ~dy . aD ueceIiIlY mnedill 4C1Ul~ :in acccmIaIl,ee wKh EaYiroammtal L..w. NolbiDghmill5llal1....CO ony.bliptl.. on I..oodor IlIr ..biimm<nlOl Cl_, NQN.\JNIPORMCOVIiNANTS,lIomo_... ~_ ,_""" "ll"< II f.U....: n. 4tedtratlotr, ~leI. Lender .1aID live notice to Domrw", pnor 1:1 aecekeradon rolIowJ~1 Jla11'01f'Ct'J bI'WC!h orUf COWdMt or IgRCImellt I. dtI. Seeurlty InItnmllllt (bot bot priot to ICCeleradea -.nder StcUon 18..mr-. AppUtab\t Llw pro'rh~," otbtrWbe). Leader shall .-tIff 1JcIrrower or. ~bI aOt8"- dII1Ip, (.) .be dofl1dQ (b) lb. uti.. nqulred fa "'.. ... doll..... (0) _ ... tier..., ..... III .......; IIDcI (d) .... fO/Iarl! la ..... .be 0.....1' .. apoo\llocl may .....k hi _110. of tI\l ...... ..._ '" UIII Se<1IrIly 1Datnl....... rorod...,. by J',JId.. pt'OOHdlDl and ..I. .f.... ....,...,., ~r .holl _ illt'l1II 110.......... of III, rip. III _.. Iller l<eelel1l"oa ... Ibe rIIht to ...... hi .... ro...Io.... proeeedlDt tile Boa.-ultten.ee GC" QfwIt 'If ay mbft' 1bI'IDN of Barrawtr to ll!Clelcradora and foreclonrre. If tile defI.1t II .ot '....d .. apeeUled, Le..... Dllla .pll.. may reqal.. 1..-.... p_., I. "'0 or .. ..... .......d I/)' W, s..lIrI.,. llI'lnllll..1 wltb... furtller _d ... _ r._ Ibll SecurlIy 11lItnI...... by 10410:101 .....,-.c- Le.".,. ....0 be entitled to ..0... all eIp_ 11ICUr... la ""......, lllo remf:dlH pnnrided 1D thlJ S.'IIOII 3J, ladudlq. but IQ)t lblted 10, .ttOl'lulfl' rees IIIId cam or dfle ,yjde~ to... ...... ...11IIl..... by Appll..b1. Law, 2J,llAIl..... Up" '-'''foD..... _by tbm So:oril)'I_1bi:o S..urilf """"""'" Old die ... COI:IVI:)'td WU eemDnalc tsa4 bell::O!ae void. Mer 51tM. QCC.amlm:=, Lcodet 111111 d1sc:lwF ad .!I11.1iDY thk Soc\Ir.ily ~ Bon:Cl~ ,lulU pt.)' NQ' ~OJ tClBtL I...mJdrz nmy chat&e IkIrto'Wl!11' a m I), _. thi< Seoaricy I-.~ lMOlIIy ifll1e ~ia pai~ to .w,d l""IY""OICIVi<et _..dOll. .llI'siDe of", foo ia pcmPti<d undo< AppUoabl< r..." 14. Walun. ltcxro'wtr, 10 !be I:!xllDt pcnni~d by ApJIliI;dJle YW, Mives IIId teleueti uy error or d.e1h:m iu procccdin&, to c:n€orne tbls Security Im:mzme:nt, omd hereby waivcs 'die bcnc'fit. of lltJy pn:raent ar fuNM la""providiagfbr~Dr~Oh,~GiQnDftimc:,~tmm~t.lev)''400sa1e,amt:l.~Q. ~tio;s, RellJItatement I'eriod. 9QI1'OwlJr's WOe to 'IriPsuI1C pmvided in Section 19 lhall wead to OD!: bow prior trJ me ~n<<.~ oCbiddina at I. sbmft"11Me I)f ether ulcpUfIUI.JU to this Security lnltnIrDl:Dt. 1li. Purtll.,. M."", I'll.......' If lIlY of.... 'deb, _ by dII1 Se01lrity _ if I.., '" Bo"."",. ..qolte tld. II> lb. Pn>perty. tbIa S.....,._m.,IubaIl bo. P"''''''' ...""l'........ FE.IlrljI'lS't'LVANlA-srlll!D PunfJr~"" M-'JImldlt MIC UNIFORM IKmtlMfN1' ~,:~~ nlmUM (Pqt12"-'f.f~ Pa.....JA1g1.1 BK \ BS8PG4450 T-t66 P,017/023 F-547 Feb-14-Z006 16:16 From-PREMIER ABSTRACT +Z43 3390 11117311 :a:U1'tJl1 27. il!t<m' Ro.. "lie, llll\ammL """""'" ._ 0.., 1m _ _ p'l""lo IIl\or . jllo:\p'<Dt 11 """""" Ob1lle Noll' or ill.. "tic>. 01_ li"..I_ sbaIl be u,._poyobl. _ time II> time _\lie Naw:. BY SroNING llaoW ,llom>_ ""'PIS "'" 'Il'ee." 111. """,,;nd co...."" "",""0<\ i1llhio Sm;lpritybultrumeRt w in. my Ricler txCCwe4 byBcrrowcr and: reoocdild wilh it. -0'- - _t. - /h:),.1h'f1<- :50(.; nNI6YLvAlf..-SlnP FIrnII,..J'ltlld~ Mm'FltIldIIllMac tlND'QIlM ll'ClrJ'ltUlllUNT ~!;". i\Jll1}iDD& (ft.l1"'U~ J'orlfll-'OJJlLQI BK \ B 98 PI) if '4. 5 \ T-\66 p,ols/oZ3 F-547 Feb-14-1000 10:17 From-PREMIER ABSTRACT +143 3390 1u17:l1.s 2.:z.117~..!J (Spocollol... n.. Llue FD' A.......I'd_o.1 eommDDW<01Jbof ~~\..;c......\a ,CDUDlyof C..l.m,'!:le,,'ond 00""''''.::0'''' d.y.f~"'\)>!c",CJ:lY ,_..me, 't:I\DnG ~4fA lho .....".goe<! Dill"" pmoo.aIly -- (l...'o..\-c.rc. ~:;<'4 c."~ 5U:':(;n >\U);u::.-\-.....e k:DoWJl to ~ (Of sadsflctorUy proven) 10 be me ~!I) whOle name D. ",e,. PJub$Cribed to thCI wiUJin inttl'1JlDl::nt and admcnv1eda<<1- thai ~ cxcculrd thl:: 8BrM fOt' Che putpOsea tmIrtiu l:!cJdRiMd. In witJ1C!8 whcieof. I hcm1lt!D!let dI;y haDc1lDd otlicial seaL 0,,,... c:."l,'/,I, "'_ to,. y *' Ilr'it(,rc; Title of Office( NOTARL\I"SEAI.. Dlw..Pw1)'tb. NoW)' Public Celllno Twp"I'<"lI C_ lI':'-_l'olMl1~_ My CDIlIlIli";.,,llxp...: ~/alo~ CERTlFlCATll OF RESIDl!N($: I d. ....by ,cnify l11a.lho ....... acIllrcss .11Ilc wi__ _ ia naG ClllIIOOl' .,...... 10..., rr. ,,,,,,,,,..,,(lII), IlDCIILlRlI KXLLS. "'" 'un witncasmyband tbi$ 30t:;b .,. -. ";j~,&Pw] "-pIO lAqdcr 141,~-:r \\. ~ I'ENNSt'LVAHfA.-Sfn&\Il FlIIllly-Fallllll~ MaalFrndJlI Mle tJNlFOIW 1NSTRL'MI:NT .fIlilliiV'~:\n t1IJIIr.t~ ~Uvf14P41'J) FDrm,m 1111 B'i. \ B 98 PG l\ It. 5 2. T-166 P,019/013 F-547 Feb-14-Z006 16:\, From-PREMIER ABSTRACT +24. ll90 T-!66 P,020/02. F-647 SCHEDULE C LEGAL DESCRIPTION Commitment Number: 04.3945 File Number; 04-3945 BEGINNING at a point In the Southern line of Holly Drive (50 feet wide), whlotl ....id point Is In the division line belween Lot Nos, 80 and 81 on tha hereinafter mentlorled Plan of Lots; thence along the Southern line of Holly Drive, Norttl 65 degroe.. 24 minutes 40 seconds ElIst, ninety (90) feet to a point In the division line between Lot NOI. 81 and 82 on laid PI;IIn: then"e along the division line between Lot Nos. 81 and 82, South 24 degrees 35 minutes 20 s80000s East, one tlundred sIxty .even and thIrtY-three one-hundradthl (157.33) feet to a point; thence South ff1 degrees 40 minute. 15 .econds West, ninety end seven one hundredths (90.07) feet to a point In the division line between Lot Nos. 80 and 81 on said Plan, aforementioned: thence along the division IIna between Lot Nos. 80 and 81, North 24 degraes 35 minutes 20 seconds Wesl, one hundred sixty-three and seventy-"ght one-hundrodths (163.78) feet to II point In the Southern IIna of Holly Drive, aforementioned, at the point and place of BEGINNING. BEING LOT NO, 81 In the Plan of Sprtng Run Aores, SectIon 5-Revlsed, whloh saId Plan Is recorded In the Cumberland county Recorder'. Offlce In I'lan Book 20, at Page 87. Tha improvemants thereon being known as No. 111 Holly DrlvB, MachanicsvUle, PennsylvanIa 17055, BEING the sllme property which, by Deed dllted January 15, 2004, and reeorded Jannary 16,2004 among the Land Recordll of the County of Cumberland, Commonwealth of Peansylvania, in Liber No. 261, foUo 1480, WIlS granted Bad eoaveyed by Evelyn M. Dorsey unto Richard Doney and Susan Dorsey. Parcel No, 42-28.2421.074 Recorder of Deeds BK , 8 9 8 PG 4 4 53 STEWARrr TITLE GU""R'AN'I'Y COIll"4.N'Y F.b-14-2006 16: 17 From-PREMIER ABSIRACI +243 33M AD./USTAIlLE RA 11: lUllER (6-MOIIlII LmOR lades - Rate Clp') (FIrst Badnes. DRY ofPreeedlag Moolll Loakb.....) _In ...... 'I1J.U,ne: ~ f'111U1JU lftIft l1H1111:11110UU72IJ:lI nuSADJUSTABU:RATE:rc:wERJllIDlldetl!is nth tlaro! DeciIIllbot'r. :aao.. , IU1d i. i~rn.!d inlD md II:ml1 b~ deemed In IlQIClld ol1Mnpplrrzat ebel MorfSB.Be. DIed ofTruR. or 50eurity Oe<d (1lno 'S"'Ilrity __, of.... ..... <1&", iii- by 1I\e Wldtniaoed (me "8_wer"l .. """" CIo _r'.AdJutlabldl..oN... (tho "N."") to llIOC _ <:QU, (CIo "Londa" .flbe sarno.... wi eovcrillg tile pnlperty clescr1b,d In!be s-ity!nslnlmonl wllo<alod ot: lU 8QLLY :Da%VZ, ac:BUIXdIIB'DRQ, P'" 1705,5 [Propa1y AM<to.) 1111I NOTE CONTAINS PROVJSIONS ALLOWING POR CHANGES IN THE IN'IllREST RATE AND TIlE MONTHLY PAYMl!NT. TIQ!: NOTE WMlI'S THE AMOllNT TlIE BOIU\OWl!,ll'S INI'I!:UST RAT!!: CAN CllANGlO AT ANY ONl! TIME AND TllB MAXIMUM RATE THE BORROWl!R MUST PAY. AIlDlTlOl'lAL COVEIIA.'\ITS, 10 addl600 10 tile oov_ ... '1"'''IlI<Ol1 "",d, in III< Soourity In.nrumeln. Borrower ODd Lmaer tunher ro'Valaat ud 'aree a. 1011ow$: A, 1N\'BR1!.S1: RATE AmlMONTW.Y PAYMENT C1IANG1lS ~:N'Qteprovidl;:ll fbtillDinirWiJllert:$tfllb:of 7.875 %. "('he Note prnvides for cIwIp in 1be ~ rwfCMtd tbt monthly paymema, as tQlto'WI; ~, INTEJllI:STRATE AND MONTHLY PAYMENTCBAIIGE!I (Al 0.... no... Thtintc:reatmtelwmpaymayclmogeODt:Mbd.Jyof :II"~I 2010 . 8Pd may c:lnmge OR Ibm: l!Iy ev~ tth 1n01I1h ~, Each _ on wbieb my inttzm rme could dumge is callod a"~ DR," 'MULTlST,\TZ ADJUSTABLE RATE JUltf:R60MoItl" LlJOR 'Mla (f'Jrct BIIII....O., t..lcb.ck;)....S/n.1C Pamll)l- =ra~'I"I'I: OlIU,mt p"r: I ct3 BK \ 8 9 B FG 4 4 5 it 1-166 P,021!028 F-647 Feb-14-l006 16:17 From-PREMIER ABSTRAC7 +243 3390 l:1.l..1)~., ~j.unn (ll) l'bt 1JI4.. lIogllmlll& onlh!be "'" ChooS' 0."" lIlY i....... m.. will h. _ on "" ,"""'- The "Ind,,"," is tbt .ix m<>I1th LondoIlllllorb<llk 0/fu<41\1lo e'UWR") ~ iI the """"ge of__ oft'em! ..... "" ","""",!II U,g, dol_omioaI<d d_U. in the Loo<lon mmot, .. pobliillod in n. Wolf S"e.. J.m.L The ..... """" Iadox fi8uIe """,1a~l. OJ of Ibe finst '-- <loy of Ih< molIlb _yJ'Mcdiog the ....!II In "'101>.... CIIID&t om. "'''''' ii ...nollh. "Cmmn Inde>." 1f1ho lml<x is D' 1...... availahle, lite ",...Iloldor wIIl_ 0 """ index wh/<h .._ upQQCXlA1plAbk iDfmmatimt. Tho Nolt HoUiccwil1 gift' mcnoHce attllJs ~holee. (C) c...".<<...fCl_ SetOn: ~ch ~ Dablt !be Note ~ will ~"e my ~ iJl.lI:tCllt rat. by Addi.as; ___.... CIIlo-tiQll.OlI _po;n1(.) (.,.125 ~) fOdteCu:n'eJIt li:Idcx. Tb;N~ao1dor.,vi" dId1 Jt:I~tMraultafthis1Jdd.iti.Q\\\G 1bc""'" OlI,.aaJ>1l> of _ pclOOIIlalO pou. (0.175%). Subj",". tho Iimi~ .....d U. SC<li.. 4(D) bolaw. 0tiI ra\1bded ~ "IIUl bemy-ncw in\a'CSt tAk; UDUl tho nezt Chlnge Da~ 1'M No" Holdor will tht11-.1be -.m .fthe IJloo8>lypaymont WI"","""" ,wffieioDc 10 rtpf.y Ibc \q'Iafd prineiplli rhat I <<m. c~d. ~ ewe at the Cbfmso On: m fill} on I1r malUrit}' 0lI" "1lI!'.... hlo:mt....1n IubGlln1ially cqua!9aytm:nl!1. The -" oflhi$ ,_\loll will be th..cW_ofmy_ypo)11lOll' (Il) UlId'''. b1terutllllO e....... Tho iQ\m" .... I ... ~ .. P'l' " Ill< fim C...ge DI" will '0' be _, """ 10.175 %orl_Uum 7.1"15 %.~,my:intere51"'tewmnembemCl'CllSedCJfdcclt:aHd all eJ1y .bJ;gte ONge DIM by marc UW\ QM. pet'teIJtaSC' poiQl(lll) ( :1.000 %) hm thIS' rate at imeIUt I ha.'Y'C bm1 pa~ Ibr lbo ptee:ediug fJi JllDJltht.Myidll11'C!t:atcWJlltle'VCtb=~1b;m 14.'"'' "'<<lmdw1. T.t7S %. (E) I;....U..Dat.OCC~..ps My M;W interest. rue will br:como ef.f'<<;tlve qn elICb Cbanp Date. I wilf pay the 1tftOtldI: of'my new monthly 'Plymell~ b~ W ilic. _ 'ltIJnll'hly Pil:ymet\I dall' after the CIwI~ Datil IJrIril (ho ID1Qwt afmy mvm:bJyp..~n! cbanpt Iphi. (Ii) NOIl...rCIII_ The Note Holtl.dr wiU deliver or DUlil to ~ a notice ()fdy ~ in my m~ ra~ BPd 1he .....,. of my _y p')'Il1<1It tocfbm Ibo clf_. ""ta of ""Y _&" The .oct,. will io<ludo ..-"" ,tqo;red by low '" 'De glv.o ,"lIlC an4 Ilso iIlc ~dc "'~ ldopl1_ _ber .ro _ _ will:wwer anyqoesM.n [m:ay hA~ 'J~8 mt nod'c. /l. TRANSFER OJ! tR& PIlOPKRTY 011 /f,. JlmmOAL lN1l\IlE$T 'IN aOIUlOWEIl. S..doo18 of tho Security _01 is _dod to _.. fOll<lw!: Trutfer of tM Property Dl' . BenellclaI mb!rtlt 'Q lllMTfttt'. ~ \ad in INs Stcdtm '8. "IntmJt U! tb! p~~' ltttID5 lI1iy Iepl (If ~ia1 ~ in ~ }t~. inclucliDr. but not Jmnk!lI to, those bent:ficiaJ intere!U tqIDS~ in II band fbt dceQ, t.tm'lrntt fm dced. ift!,l2.nrncrn ~ COntraCt or ~I'QW IgreeJDIM. me b:JltlJlt of 'lIIhith is the ~ of1illt: 'by Borroftr Ita fUnn dale In II pmclul5c:r. If all or rmy port .f the Ptoperty or "'Y _II ill "'" Pnlpcny i. ..Ill OJ t:mUttrted. (<It i(ll0rr0wa is 1)Qt a11ll1nrB1 periOD: IJDd a bcmoficial Jn1tl'est in Bont1Wlr is said or trafen'td) withn\ll ~'s prnrr wrine:a colt:n:Dt, leAder aury requW _" _In fun .foll..,......,..! bylhi:l5mD!t}' _nt II.""",r, Ibis .pti.. WIIMr~. ""';ocd by L<ndcr tCwoh.....1n I. l"ohlhlta41>)' AJlIlllCllbl. Low. IF Lender ~ile:s the option to requiu: ~i~_ paymem in full. 1.t:QGer sb:lll give BomtWU ~tice C1factOleratioti. The notice sh.tll. provide: ~ period cfnattes& man '0 day,; tom t!l.e ~~ \he. >>otic!: is pvcn in 1t.tCorr;lance with Sectlatt 1 S ~n MUl.TJSTAn IIDJUS't.\Jo:r AATI: IQDER 6.M.elWh UDOl (pdll;l.(J1'" Eill.1I11Clll D.., LeaIlb.I!tc:)-Silll,1c "lImil.,- ~~.....,"'.,. 'hp1Qr) III\. \ 89t\?\l1l~S'5 T-t66 POZZ/OZ3 F-547 F.b~14-2005 15:17 From-PREMIER ABSTRACT +wmo T-155 P,023/023 F-547 lUlnlS 1Unal' whichll..,.......".,.,..r alI-.. ",1II<ll by 1\1;" Set1lri'll _ I",_au. in 'P")f 'died 1t2mS Friar '10 tho expbtknJ. o!tl&iI ~ LncIer UIly lnVQb 1m)' ~i'" ponIIIll<<! byUlio _11 ~ wi1\l.., fiu1I\Ccnod,. ordemand,O.B"""....., BY SlGNniG BELOW, Borm9Jt:r :IWCCptIud aRr= to 1be 1mn91D6 c~ QOnwinc4-in (nil Ad:julna'o1e ....Illd'f, .. 0.... I , '1"''' ", \ ~~ ';^"-t./--c";'- - Bo&'l:'ow.r .. S'Q'IQ - l)&~. .. 1f!,'J <1.; </. )'i1Q... ,sOrr ;~- c;;J -CJ '-I Tmft.1'tSTATI. "l).nJRItBL'E 'IAn 1\\:DXR. 6.'MGm"'l,lBOR ,__.... (PJn1 B....II..D.yLae.dtr&lnp Pamll)'- ~..... ~/hJ~&" t'q,39f'3 Bl{ I 8 98 PG l\ 45 6 Wilshire'" Wilshire Credit Corporation Payments P.O. Box 7195, Pasadena, CA 91109-7195 /.I78D AUGUSTINE, SUSAN III HOLLY DR MECHANICSBURG, PA 17055 Correspondence P,O, Box 8517 Portland, OR 97207-8517 Phone (888) 917-1052 (888) 917-1052 10/31/2005 Fax (503) 952-7476 Web Sito www.wcc.ml.com ACT 91/6 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 Dages, The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to helD to save vour home, This Notice explains how the program works, To see if I1EMAP can help. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take this nolice wilh vou when vou meet with Ihe Counseling Agencv, J'he name. address and phone number of Consumer Credit Counseling Agencies serving vour County are listed at the end of this Nolice, If vou have anv Questions. vou mav call the Pennsylvania Housing Finance Al!ency toll free at 1-800-342-2397, (Persons with impaired hearing can call (717) 780-1869,) This notice contains important legal information, If you have any questions, representatives at Ihe Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area, The local bar association may be able to help you find a lawyer. LA NOTlFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION INEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA_ PUEDES SER ELEGlBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL (Continued) w' lin: Ctt:;Ult O.nporalion is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. YOU SHOULD CONSIDER THI.s LETrER AS COMING FROM A D COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR, ANV INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, H EVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, TillS LEITER IS NOT AN ATTEMPT TO COLLECT 'I' DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY, C ORADO: In Colorado, the Colorado Collee.tion Agency Board, 1525 Sherman Street, Denver, CO 80203, licenses collection agencies. Payments should not be sent to th . nard. it you infonn us in writing that you refuse to pay this debt or request uS to cease further communication, our final communications about our actions and int' ions will be in writing. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE; This collection agency is lkensed by the Co I tion Service Board, State Department of Commerce and Insurance. Wilshire's office hours are Monday. Friday 7:00 AM to 5:00 PM Pacific Standard Time LI ii \ II, I I' " , 1\ :! " " \'1 II i: l' I " AUGUSTINE, SUSAN Page 2 DERECHO A REDIMIR SU HIPOTECA, HOMEOWNERS' NAME: DORSEY, RICHARD PROPERTY ADDRESS: 111 HOLLY DR MECHANICSBURG, P A 170555527 LOAN ACCT, NO,: 945326 ORIGINAL LENDER: OPTION ONE CURRENT SERVICER: Wilshire Credit Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE fUTURE MORTGAGE PAYMENTS, IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY, TEMPORARY STAY OF FORECLOSURE - Under Ihe Act, you are elltitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice, During thaI time you mu.t arrange and attend a "face -Io-face" meeting with one of Ihe consumer credit coullseIing agencies Iisled at the end ofthis Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE, CONSUMER CREDIT COUNSELING AGENCIES. If you meet with one of the consumer credit counseling agencies listed at Ihe 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 alld telephone numbers of designated consumer credit counseling agencies for the county ill which the property is located are set fOllh at the eml of this Nolice, It is ollly necessary to schedule one face-to-face meeting, Advise your lender immediatelv of your intentions, (Continued) W, ire Credit Corporation is licensed to do business at 14523 S.W. MiJlikan Way, Beaverton, OR. YOU SHOULD CONSIDER THIS LETTER AS COMING FROM A D ' r COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, fj , EVER, IF YOU ARE IN BilNKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THlS DEBT, TIllS LEITER IS NOT AN ATTEMPT TO COLLECT TI DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY, C ' ORADO: In Colorado, the Colorado Collection Agency Board, 1525 Sherman Street, Denver, CO 80203, licenses collection agencies. Payments should not be sent to th " oard. If you inform us in writing that you refuse to pay this debt or request us to cease further communication, our final communications about our actions and jot ions will be in writing. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the C ction Service Board, State Department of Commerce and Insurance. Wilshire's ofticc hours are Monday - Friday 7:00 AM to 5:00 PM Pacific Standard Time L1 D AUGUSTINE, SUSAN Page 3 APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific infonnation about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Applicalion with one ofthe 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 complele application to the Pennsylvania Housing Finance Agency, Your application MUST be filed or postmarked within thirty (30) days ofyollr face-to-face meeting, YOU MUST FILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very Iimiled, They will be disbursed by the Agency under the eligibility crileria established by Ihe Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after they receive your applicalion, During Ihal lime, 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 slill apply for Emergency Mortgage Assistance,) HOW TO CURE YOUR MORTGAGE DEFAULT (Brio!!. it UP to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: III HOLLY DR MECHANICSBURG, PA 170555527 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS and the following amonnts are past dne: Delinquency $2,465,24 Late Charges $123,26 Other Charges $0,00 Suspense Amount -$0,00 TOTAL $2,588.50 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,588.50 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (Continued) Wi ire Credit CorpOJation is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. YOU SHOULD CONSIDER TillS LETTER AS COMING FROM A D 'COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR, ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT, II EVER. IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISC\1ARGE OF THIS DEBT, T\1IS LEYrER]S NOT AN ATrEMPT TO COLLECT 1'1 DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY, C: RADO: In Colorado, the Colorado Collection Agency Board, 1525 Shennan Street, Denver, CO 80203, licenses cone~tiof\ agencies. Payments should not be sent to th i oard. If you inform tiS in writing that you refuse to pay this debt or request us to cease further communication, our final communications about our actions and iot' ions will be in writing. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the Co tion Service Board, State Department of Commerce and Insurance< Wilshire's office hours are Monday ~ Friday 7:00 AM to 5:00 PM Pacific Standard Time Ll ~ , AUGUSTINE, SUSAN Page 4 (30) DAY PERIOD, Payments must be made either bv cashier's check certified check or money order made payable and sent to: Wilshire Credit Corporation, P.O. Box 7195, Pasadena, CA 91109-7195. IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise it's ri!!bts to accelerate tbe mort!!a!!e debt. This means that the entire outstanding balance ofthe debt will be considered due immediately and you may lose the chance to pay the mortgage in monlhly installments, If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct it's attorneys to start legal action to foreclose noon vour mort!!a!!ed orooertv. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt, If the lender refers your case to it's attorneys, but you cure the delinquency before the lender hegins legal proceedings against you, you will slill be required 10 pay the reasonable attorney's fees that were actually incurred, up to $50,00, However, if legal proceedings are started againsl you, you will have to actually incurred by the lender even if they exceed $50,00. The attorney's fees will be added to the amounl you owe Ihe lender, which may also include other reasonable costs, If you cure the default within the THIRTY (30) DAY period. vou will not be required to pav attornev's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time UP to one hour before the Sheriffs Sale, You may do so bv pavin\l the total amount then past due. any late or other charges then due. reasonable attorney's fees any costs connected with the foreclosure sale. any other costs connected with the Sheriff's Sale as specified in writing bv 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 yon had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the 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 of action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Wilshire Credit Corporation Address: Phone: Payments: P,O, Box 7195, Pasadena, CA 91109-7195 Correspondence: P,O, Box 8517 Portland, OR 97207-8517 Toll Free: (888) 917-1052 Fax Number: (503) 952-7476 W D H T C th int: Co Ll, (Continued) ire Credit Corporation is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. YOU SHOULU CUNSIUER THIS LETI"ER AS COMING FROM A COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR, ANY INFORMATION PROVIDED BV YOU WILL BE USED TO COLLECT THIS DEBT, EVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF TIllS DEBT, THIS LETTER IS NOT AN A TfEMPT TO COLLECT DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY, ORADO: 1n Colorado, the Colorado Collection Agency Board, 1525 Sherman Street, Denver, CO 80203, licenses collection agencies. Payments should not be sent to oard. If you inform us in writing that you refuse to pay this debt or request us to ceDse further communicDtion, our final communications about our actions and ions will be in writing. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the tion Service Board, State Department of Commerce and Insurance. Wilshire's office hours are Monday - Friday 7:00 AM to 5:00 PM Pacific Standard Time :z) ('.) "g, il- l ~ -- r) ~,,;) ~ ~ 01 ( ,.-'~--.. <'j 8 '-n 0 -', ::-:J V) ~ r-r-' -v (}':; ~ ...:( ;"'0 -." ~ F - -P- ;-- ),.; " I ~. ;', ~J \ ,.~"- < STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0. NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/kJa Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). PRAECIPE TO ENTER ,JUDGMENT BY DEFAULT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please enter a Default Judgment against Defendant(s), Richard Dorsey, Susan Augustine a/k/a Susan Dorsey, and in favor of Plaintiff, Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, c/o Wilshire Credit Corporation, for failure to answer Plaintiff's Complaint within the time prescribed by Pa. R.C,P, 1026 and assess Plaintiff's damages as follows: Principal of Mortgage debt due and unpaid $169,042,26 Interest currently due and owing at 7,875% per annum calculated from October 01, 2005, currently at $ 36.47 each day Property Inspections $6,382,25 $ 20,50 Broker's Price Opinion Late Charges at $36.47 and for each month hereafter $ 100,00 $ 3.45 $ 369,78 $ 195,00 $ 155,50 $1,250,00 $177,518,74 Certified Mail Costs Title Search Court Costs (filing and service) Attorneys' Fees TOTAL Total damages to be assessed at One Hundred Seventy-Seven Thousand, Five Hundred Eighteen Dollars and Seventy-Four Cents ($177,518,74), together with interest at the aggregate daily rate of Thirty-Six Dollars and Forty-Seven Cents ($36.47) from March 28, 2006, until the date of entry of final judgment, plus interest thereafter on the judgment, at the rate stated in the subject note, plus any costs, expenses, attorneys' fees and all other amounts due and payable under the Note and Mortgage, up through the sale of the mortgaged premises, Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH, LLP Date: ~/dil~ , Hladik, Esquire y for Plaintiff (File #16-900) AND NOW, (Yl ~./) r .1_ .]0 , 2006, Judgment is entered in favor of Plaintiff and against Defendant, Richard Dorsey, Susan Augustine a/k/a Susan Dorsey, by Default, for want of an Answer, and damages assessed at the sum of One Hundred Seventy-Seven Thousand, Five Hundred Eighteen Dollars and Seventy-Four Cents ($177,518.74) as per the above certification, ~~ protfcmota.r:Y- .' STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), CERTIFICATE OF SERVICE I, Stephen M, Hladik, Esquire, hereby certify that I served a true and cor~ect copy of the foregoin~ Praecipe,for Entry of ~udgment b{; Default and 236 Notice on the following Individuals by first class mall on :3 Z (J/ ~~ : Richard Dorsey 111 Holly Drive, Mechanicsburg, PA 17055 Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, By: Stephffi ~;k' E",";ce STEPHEN M, HLADIK, ESQUIRE ATTORNEY LD, NO, 66287 KERNS, PEARLSTINE, ONORATO & FA-iH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), CERTIFICATION OF MAILING NOTICE UNDER RULE 237,1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe, Said Notice was sent on the date set forth in the copy of said Notice attached hereto, March 16, 2006 to the following Defendants: By: Richard Dorsey, 111 Holly Drive, Mechanicsbu g, PA 17055 and Susan Augustine a/k/a Susan Dorsey, 111 0 Drive, Mechanicsburg, PA 17055 StephenMl'tladik, Esquire Attorney for Plainti STEPHEN M HLADIK ESQUIRE ATTORNEY 10. NO, 136287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, N,iI", as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 9700~)-, PLAINTIFF, jJ"TTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. :;!37.1 IMPORTANT NOTICE TO: Richard Dorsey DATE OF NOTICE: March 16,2006 You are in default because you have failed to enter a written appearance personally or by attorney and file in 'Nriting with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a Jud9ment may be entered against you without a hearing and you may lose your property or other Important rights, You should take this notice 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 a!~encies that may offer legal services to eligible persons at a reduced fee or no fee, CUMBERLAND COUNTY BAR j\SSOCIATION 2 liBERTY AVENU;!: CARLISLE, PA 17G13 717-249-3166 OR 800-9'90-9108 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY ~NFORMATION OBTAINED WILL BE USED FOR TH~T PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso, AI no tomar la accion debida dentro de un terminG de diez (10) dias de la fecha de esta notificacion, I~I tribuna podra, sin necesidad de compararecer usted in corte 0 escuchar preuba alguna, dictar sentencia en su contra, Usted puede perder bienes y olros derechos importantes, Debe lIevar esta notificacion a un abogado immediatamente, Si usted no tiene abogado 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 lIame par telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: CUMBERLAND COUII/W BAR i\SSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 OR 800-090-9108 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TI-IIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR TH),T PURPOSE. PERSONS TO WHOM RULE 237,1 NOTICE SENT TO: Richard Dorsey, 111 Holly Drive, Mechanicsburg, PA Susan Augustine a/k/a Susan Dorsey, 111 (,.roll 17055 ,.. 'r' , , / By: / .' Stephen Attorney 17055 and (ve, Mechanicsburg, PA STEPHEN M HLADIK, ESQUIRE ATTORNEY I.D, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan V\lay, Suite 200, Beaverton, OR 97005-, PLAINTIFF, A HORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO" 06-971 v, Richard Dorsey Susan Augustine a/kla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA '17055, DEFENDANT(S), NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. ,:237.1 IMPORTANT NOTICE TO: Susan Augustine a/k/a Susan Dorsey DATE OF NOTICE: March 16,2006 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you ma'llose your property or other important rights, You should take this notice 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 a~lencies that may offer legal services to eligible persons at a reduced fee or no feEl, CUMBERLAND COUNTY BAR ASSOCIATION 2 liBERTY AVENUE CARLISLE PA 170'13 717 -249-3166 OR 800-9~i'0-91 08 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMEID TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY ~NFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso, AI no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, eltribuna podra, sin necesidad de compararecer usted in corte 0 escuchar preup,a alguna, dictar sentencia en su contra, Usted puede perder bienes y otros derec:hos importantes, Debe lIevar esta notiflcacion a un abogado immediatamente, Si usted no tlene abogado 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 lIame par telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitenciH legal: CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 OR 800-990-9108 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY III1,\FORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237,1 NOTICE SENT TO: Richard Dorsey, 111 Holly Drive, Mechanicsburg, ~ 17055 and Susan Augustine a/k/a Susan Dor'sey, 111 H Iy ~rive, Mechanicsburg, PA 17055 / i By: ;/ /z, Stephen Iv"-.! dik, squire Attorney for Plaintiff STEPHEN M, HLADIK, ESQUIRE ATTORNEY I.D, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O. Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, N,A" as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), STATE OF: OUNTY OF: PENNSYLVANIA MONTGOMERY AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended, Defendant: Age: Residence: Richard Dorsey Over 18 111 Holly Drive, Mechanicsburg, PA 17055 Defendant: Susan Augustine a/k1a Susan Dorsey Age: Over 18 :,'"e.~ .'" HOI. Do"", Mechec""'"<ll, PA 17055 NAME,.. ik,,,, ~1111,.,1< TITLE: 4lh(', I" r qcf-b Sworn to and subscribed before me thi 06 () ~ t~ ~ :-G \)- ,-.", ":1~ c;. , _-t r' -- :t. -u '~"':-1 "7~ f' ~ C> F -T: { -.) '0 c:; ~ ~ \) ~ :~ _:.~ ,.,.,..,...... ~ r:? ~ - r....) U", ....----., STEPHEN M, HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, NA, as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), RULE 236 NOTICE To: Richard Dorsey 111 Holly Drive, Mechanicsburg, PA 17055 Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, PURSUANT TO RULE 236, YOU ARE HEREBY NOTIFIED THAT A JUDGMENT HAS BEEN ENTERED AGAINST YOU ON THIS DATE IN THIS ACTION, By P~COlh,"ota~ . .. SHERIFF'S RETURN - REGULAR CASE NO: 2006-00971 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS DORSEY RICHARD ET AL JASON VIORAL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon DORSEY RICHARD the DEFENDANT , at 2011:00 HOURS, on the 23rd day of February, 2006 at 111 HOLLY DRIVE MECHANICSBURG, PA 17055 by handing to ASHLEY AUGUSTINE, DAUGHTER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof, Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18,00 7,92 ,00 10,00 ,00 35.92 ,r~~ R, Thomas Kline 02/24/2006 KERNS PEARLSTINE ONORATO FATH Sworn and Subscribed to before By: --& ~,y 'heriff me this :1tv day of ~ .;2.00(, A.D. 4~fJ Pro ota7/ - SHERIFF'S RETURN - REGULAR CASE NO: 2006-00971 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS DORSEY RICHARD ET AL JASON VIORAL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon AUGUSTINE SUSAN A/K/A SUSAN DORSEY the DEFENDANT , at 2011:00 HOURS, on the 23rd day of February, 2006 at 111 HOLLY DRIVE MECHANCISBURG, PA 17055 by handing to ASHLEY AUGUSTINE, DAUGHTER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6,00 ,00 ,00 10.00 ,00 16,00 r~rt:..6''':.A'.a--,~ I R. Thomas Kline 02/24/2006 KERNS PEARLSTINE ONORATO FATH Sworn and Subscribed to before By: " ~,y~ me this )f,d- day of ~ J#" ~D. A2~ " STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBER ND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/kfa Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), AFFIDAVIT OF SERVICE UPON ALL INTEREST D PARTIES PURSUANT TO Pa.R.C.P. 3129.2 c 1 iii I, STEPHEN M, HLADIK, ESQUIRE, attorney for Plaintiff in the above- referenced matter, hereby state that on -; , consistent with the provisions of Pennsylvania Rule of Civil Procedure 12 ,2(c)(1)(iii), I caused written notice of the scheduled Sheriff's sale in the above-r ferenced matter to be served by first class mail, postage prepaid, with Certific te of Mailing, on all persons named in Plaintiff's Affidavit Pursuant to Rule 312 ,1, at their respective addresses set forth in that Affidavit A true and correct cop of Plaintiffs Affidavit Pursuant to Rule 3129,1 is attached to this Affidavit as Exh bit "A", and is made a part of it A true and correct copy of U,S, Postal ervice Form 3877 - Certificates of Mailing for each notice mailed is attache to this Affidavit as Exhibit "B", and is made a part of it I hereby verify that the statements made in this ffidavit are true and correct, to the best of my knowledge, information and belief, and that the statements are made pursuant to 18 Pa, C,SA 9 490 , relating to unsworn falsifications to authorities, STEPHEN , , STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONOR/HO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 (215) 855-9521 Wells Fargo Bank, NA, as Trust13e for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTOR EY FOR PLAINTIFF COURT 0 COMMON PLEAS OF CUMBER AND COUNTY, PA NO: 06-9 1 v, Richard Dorsey Susan Augustine alk/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), AFFIDAVIT PURSUANT TO RULE 31 9.1 Wells Fargo Bank, N.A.. as Trustee for the ML I Trust Series 2005- WMC2, c/o WILSHIRE CREDIT CORPORATION, aintiff in the above- caption13d action, sets forth as of th13 date of th13 Pra13ci for Writ of EX13cution (Mortgage For13c1osur13) was filed, th13 following was info mation concerning the real property situate at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055, th13 sam13 being more particularly d scribed on Exhibit "A" attached hereto and incorporated by reference: 1, Names and Addresses of Owner(s) or Repu ed Own13r(s): Address: 111 Holly Dri e Mechanicsb rg, PA 17055 111 Holly Dri e Mechanicsburg, PA 17055 Name: Richard Dorsey Susan Augustin13 a/kla Susan Dorsey 2, Name and address of Defendant(s) in judgm nt: Name: Richard Dorsey Address: 111 Holly Dri e Mechanicsbu g, PA 17055 .. Susan Augustine a/k/a Susan Dorsey 111 Holly Dr e Mechanicsb rg, PA 17055 3, Name and last known address of every judg ent creditor whose judgment is of record on the real property to be sold: Name: Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, Address: 14523 SW Beaverton, iIIikan Way, Suite 200, R 97005- 4, Name and address of the i:~st recorded hold r of every mortgage of record: Name: Wells Fargo Bank, N,A" 81S Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, R 97005- 5, Name and address of every other person w has any record lien on the property: Name: Address: None, 6, Name and address of every other person wh has any record interest in the property and whose interest m y be affected by the sale: Name: Address: None, 7, Name and address of every other person of horn the Plaintiff has knowledge who has:, any interest in the prope which may be affected by the salEI: Name: Address: Date: TenanUOccupant 111 Holly Dr ve Mechanicsb rg, PA 17055 Domestic Relations 13 N. Hanov r Street POBox 32 Carlisle, PA 7Cl13 Domestic Relations Human Serv ces Bldg, 25 S, Front tre'et 8th Floor Harrisburg, A17101 Commonwealth of PA Department of Welfare P,O. Box 26 5 Harrisburg, A17105 Cumberland County Tax Claim Bureau 1 Courthous Square Carlisle, PA 7013 Marlin A Yohn, Sr, 6 Hickory La e Mechanicsb rg, PA 17055 Mechanicsburg Area School District 100 E. Elmw oel Avenue Mechanicsb rg, PA 17055 I hereby verify that the statements made i this Affidavit are true and correct to the best of my knowledge or inf rmation and belief. I understand that false staltements made herein a e made subject to the penalties of 18 Pa, C,S;, 9 4904 relating to u sworn falsifications to authorities, Respectfully sub itted, KERNS, PEARL TII'IIE, ONORATO & FATH, LLP ~1~\ \~ , \ \ By: Stephen M. Hlad Attorney for Plai ti '......". 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I<~I ,~c: Iff; ~I I I 2i ':::;;(0 i8~1 ,05..\ I ~ 1 '"'110' ,~ D[ 1"'Il(f.ll ~o I 'if~i I "'''' \l& 01 1"11;;01 !m :::tll - , p.nn Jl\l~~~l hn~~~ \~-.\~\ -~\~ll~ ~Hi16~ li \\1\' ~\ n~i \ \l.l~ \\\1\\\ Ul\L 6 1~ :6ht ~hl~ -t Ii 'A.l" \hhU. 1\1\111\ ~"'ht~!\ l\=h~l~ i \~~ih ~ Q, o "'" ::? ~;; ':. fi1~ 7:~, ~~.;" -0 rs ~,"...... -r:; I- \ .:'~ 'I ) " - '-~~~ ~li ::<...~ ....." (~':';<;l\ IL,,'- '% P,,>' "'Y':C).~.\ c.,- ,'.. &" ',,_ .(;"',' (~! .. ~rJ 'Yc;?- 0 ::..c :1 -! '" "0 N . g> e" 8 N ~ ~ u. ... liO '" ~ u. ~ .... . STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY 1.0. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, v. NO: 06-971 Richard Dorsey Susan Augustine a/k1a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). PRAECIPE FOR WRIT OF EXECUTION (MORTGAGE FORECLOSURE) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please issue a Writ of Execution in the above matter, and direct the Sheriff to levy on the real property located at 1-11 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. Amount due Interest from 3/30/06 TOTAL $177,518.74 $ 6,128.00 $183,646.74* "'together with interest at the aggregate daily rate of $38.30, plus costs, expenses, attorneys' fees, and all other amounts due and payable under the Note and Mortgage and for foreclosure and sale of the mortgage premises. Respectfully submitted, :;RNS. PEARLSTINiRATO & FATH. LLP Stephen M. Hla i squire 7(j ~ (::J AJ~ ~ Ii:- It ~ ~ ~ rf\ (..:J ~ ,.. vc ~ ~ r -j- y l ~~ , :---. o ~ 0 r{;J 4q. - (,... 6v ~ ~\;~0r"l~ ;..0 ~ 0 CI? 0 ..0 D ?JDCO C ~() I I I I I ;:u ~ ~:: ~ ~rp::: ... ~ "'"b\:)::t'J "- : ~ , V+=- .~ g ~ CJ"' := :r!." ;p. rn ;= -< -~, rn f',.' :, ';J 9 ~ :d~; ..'-,1 ~:.:;:(:) -"" :'~ rn N ~ - ~ CT'> WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYL VANIA) COUNTY OF CUMBERLAND) NO 06-971 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE MLMI TURST SERIES 2005-WMC2, C/O WILSHIRE CREDIT CORPORATION, Plaintiff (s) From RICHARD DORSEY, SUSAN AUGUSTINE AlK/A SUSAN DORSEY (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $177,518.74 Interest FROM 3/30/06 - $6,128.00 Atty's Comm % Atty Paid $133.92 Plaintiff Paid Date: MAY 24,2006 L.L. $.50 Due Prothy $1.00 Other Costs (Seal) Prothonotary By: REQUESTING PARTY: Name STEPHEN M. HLADIK, ESQUIRE Address: KERNS, PEARL SINE, ONORATO & FATH, LLP 425 WEST MAIN STREET, P.O.BOX 29 LANSDALE, P A 19446-0029 Attorney for: PLAINTIFF Telephone: 215-855-9521 Supreme Court ill No. 66287 Deputy . STEPHEN M. HLADIK, ESQUIRE ATTORNEY 1.0. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v. Richard Dorsey Susan Augustine a/k1a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2, c/o WILSHIRE CREDIT CORPORATION, Plaintiff in the above- captioned action, sets forth as of the date of the Praecipe for Writ of Execution (Mortgage Foreclosure) was filed, the following was information concerning the real property situate at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055, the same being more particularly described on Exhibit "A" attached hereto and incorporated by reference: 1. Names and Addresses of Owner(s) or Reputed Owner(s): Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine a/k1a Susan Dorsey 2. Name and address of Defendant(s) in judgment: Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 . / .. Susan Augustine a/k1a Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is of record on the real property to be sold: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 4. Name and address of the last recorded holder of every mortgage of record: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 5. Name and address of every other person who has any record lien on the property: Name: Address: None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name: Address: None. 7. Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name: Address: ... . to Date: Tenant/Occupant 111 Holly Drive Mechanicsburg, PA 17055 Domestic Relations 13 N. Hanover Street POBox 320 Carlisle, PA 17013 Domestic Relations Human Services Bldg. 25 S. Front Street 8th Floor Harrisburg, PA 17101 Commonwealth of PA Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Marlin A. Yohn, Sr. 6 Hickory Lane Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue Mechanicsburg, PA 17055 I hereby verify that the statements made in this Affidavit are true and correct to the best of my. knowledge or information and belief. I understand that false statements made herein are made subject to the penalties of 18 Pa. C.S. ~ 4904 relating to unsworn falsifications to authorities. Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH, LLP ~~)\ ~ By: Stephen M. Hladi , Attorney for Plai ti n F "'pi'-~ r-: -. -~ .. t--;) = C:J c.r" o 11 ~ n'~ -"C'JiT: :,~JO _~.:1~: ~.~ ~J5 i"'im ;:=., ...J> ::0 -< - ..-1rIi.", ;;;;.. -<:; N ~ -0 :x N CT> " .. A TIORNEY FOR PLAINTIFF STEPHEN M. HLADIK, ESQUIRE ATTORNEY 1.0. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/kla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S) . NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Richard Dorsey 111 Holly Drive, Mechanicsburg, PA 17055 Real estate situate at 111 Holly Drive, Mechanicsburg, Cumberland County, PA 17055, as more fully set forth on Exhibit "A" attached hereto, is scheduled to be sold at Sheriff's Sale on We'dnesday, September 6, 2006, at 10:00 a.m. in the Cumberland County Courthouse, One Courthouse Square, Carlisle, Pennsylvania, 17013, to enforce the Court Judgment of One Hundred Seventy-Seven Thousand Five Hundred Eighteen Dollars Seventy-Four Cents ($177,518.74) (plus any additional interest and costs) obtained by Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, against you. r ..... <( Stephen M. Hladik, Esquire 425 West Main Street P.O. Box 29 Lansdale, PA 19446-0029 Telephone number 215-855-9521 To prevent this Sale you must take immediate action. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE The Sale will be stopped if you pay Wells Fargo Bank, NA, as Trustee for the MlMI Trust Series 2005-WMC2, (c/o Wilshire Credit Corp.), back payments, late charges, costs, and reasonable attomeys' fees due. To find out how much you must pay, you may call: 1. You may be able to stop the Sale by filing a petition asking the Court to strike or open the judgment, if the jUdgment was improperly entered . You may also ask the Court to postpone the Sale for good cause. 2. You may be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See below to find out how to obtain an attorney). YOU MAY STill BE ABLE TO SAVE YOUR PROPERTY AND HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Sheriff of Cumberland County at (717) 240-6390. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the value of your property. 3. The Sale will go through only .if the buyer paid the Sheriff the full amount due in the Sale. To find out if this happened, you may call the Sheriff of Cumberland County at (717) 240-6390. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. # ~ 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A SchedUle of Distribution of the money bid for your house will be filed by the Sheriff on Or before October 6,2006. This schedule will state who will be receiving the money. The money will be paid out in accordance with this Schedule unless exceptions (reasons why the proPosed distribution is wrong) are filed with the Sheriff within ten (10) days after filing the Schedule of Distribution. 7. You may also have other rights and defenses, or ways of getting your property back, if you act immediately after the sale. You SHOULD TAKE THIS PAPER TO YOUR LAwYER AT ONCE. IF YOU DO NOT HAVE A LAwYER, 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 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 OR 800-990-9108 , Respectfully submitted, Date: s(u /4 KERNS, PEARLSTINE, ONORATO & FA TH, P By: Steph . ladik, Esquire Attorney for Plaintiff n S;:, ....., = = Cf" - _1>:'- ~ ~ ~1 :!J n,. "TJ.~ -T1 ~"'- :),b :~':~ =-r 21 i....,C) '_,c;. fn ;"')' ;;-\ ):> ~ N .r:- -0 ~::'" -"'" ~ cr. " '4";',r'~: '~'i' 'v N"':,:;! ;d~1r,~~jTJil;~~i_;*iil'l~~';;"tcrjifti~.;i}~,.i~' i".,t::>)), STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY I.D. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, v. NO: 06-971 Richard Dorsey Susan Augustine a/k1a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). AFFIDAVIT OF LAST KNOWN ADDRESS OF DEFENDANTS Stephen M. Hladik, Esquire, attorney for the Plaintiff in the above- captioned action, hereby certify that the last known address of each of the Defendant(s) is as follows: Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine a/k1a Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 RESPECTFULLY SUBMITTED, KERNS, PEARLSTINE, ONORATO & FATH, LLP Date: ~v IIiCL BY: Steph I dik, Esquire Attorney for PI intiff o c r-..> = = ';::r" o -n ~." rnp '"f1m ~~ ~~~ ..,-,. :0 -< ~I -'"::: N ..r.- -0 ::x N (j'\ STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY I.D. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, v. NO: 06-971 Richard Dorsey Susan Augustine a/k1a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). ACT 91 CERTIFICATION STEPHEN M. HLADIK, ESQUIRE, herby states that he is the attorney for the Plaintiff in the above-captioned matter and that tne premises are not subject to the provisions of Act 91 because ' () an FHA Mortgage () non-owner occupied () vacant ( X) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S.A. 9 4904 relating to unsworn falsification to authorities. Date:--E 23 fow BY: . r-....:l = = ("~ o 'TI -:::I I n 1 ::!J 1-' 'vrn :;;:9 -~fD ,,(, Ej l-TI )~ :XJ -< - _,:C"" :J;;:;;:"it -.< N .z::- ~ N .. Ol LEGAL DIICRPrlON BEGINNING at a point In the Southern Un. of ttally Drive (Ie feet wide). "'hlcm .-leI point I. In the COvllllor It.... "tween Lot NOlI. 80 end 81 on the hereinafter m.nu.n.~ Plan of Lata; then" alo",,,, .......m lint of Holly Drive, Narth 88 d4IQrees 24 minutes 40 MCOncll ... nll"ety (II) feat to . point In the dlvlalon 11m 1MItw..n Lot Hoe. 81 and 82 on Rlct PI.n; th~ IIll0nl the cl!M8Ion lina ......an Lot N-.. 81 and a1 South 14 clef..... 36 mlnutulO HCOndalast. one h...ndrecllsbdy Aven" thIrIr-ttnt CItM-h1IndnMllth. (11~33) fHt to a point; !thence 80uth ff1 delrees 40 mfnu1ln l' ..conde WMt, nJRIItr and DYen DrHI hu.-.reclth8 (eo.a7) 18et to a point In the division line betwHn Lot NOI. 80 and ., on ..... ...., aforementioned: thence atong the dMslon One IMtw8tn Loot Nos. to ancI 81. NQI1h 24 ....... 31 mlnutel 20 .eoonds Wut, one hundred stxty..thr.. and ..y~nty-ettlht llIne-hunclrechh. (161.78) feet to a point in the SQuthern line of Hotl, Drive, eforamentlontd, iii; ~8 point and place of _GINNING. ISI!INQ LOT NO. 81 In the Pi.n of Spring R~n Acres, Section IS-R."liMd. whloh said Plan Is recordtd In It" Cumberland County RecOrd,r'. OffIce In Plan Book 20, at PalJo 87. Thelmprovement.a thereon being known as No. 111 HQlIy Drln, Machanioevlll.. Pennsylvania 11085. BEING the same property which. by Deed elated JarUl8l;l1 1S, %004, ad record.,a "aalary 16. 2004 alJlODg the Lad Records of the County of CamberllUld. Commonwealth vi PemaqIv-1a, in. Llher No. 261, foUo 1480, was granted an.d con.veyed. by E"ely!1. M. Dorllley nato Ricllard. Doney lAd $U8n. Dorsey. Pareal No. 4248-2'-21..074 STEPHEN M, HLADIK, ESQUIRE ATTORNEY LD, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k1a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S), SECOND AFFIDAVIT OF SERVICE UPON ALL INTERESTED PARTIES PURSUANT TO Pa. R.C.P. 3129.2(cll1)(iii) I, STEPHEN M, HLADIK, ESQUIRE, att~]~ Plaintiff in the above- referenced matter, hereby state that on II, consistent with the provisions of Pennsylvania Rule of Civil Procedure 3 9,2(c)(1)(iii), I caused written notice of the scheduled Sheriff's sale in the above-referenced matter to be served by first class mail, postage prepaid, with Certificate of Mailing, on all additional persons named in Plaintiffs Amended Affidavit Pursuant to Rule 3129,1, at their respective addresses set forth in that Affidavit. A true and correct copy of Plaintiffs Affidavit Pursuant to Rule 3129,1 is attached to this Affidavit as Exhibit "A", and is made a part of it. A true and correct copy of U,S, Postal Service Form 3877 - Certificates of Mailing for each notice mailed is attached to this Affidavit as Exhibit "B", and is made a part of it. I hereby verify that the statements made in this Affidavit are true and correct, to the best of my knowledge, information and belief, and that the statements are made pursuant to 18 Pa, C,SA 9 4904, relating to unsworn fa..oat;o", to a",ho"tie,. .&1 STEPHEN, DIK, ESQUIRE STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005-WMC2, clo WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/k/a Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANTS, AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005- WMC2, c/o WILSHIRE CREDIT CORPORATION, Plaintiff in the above- captioned action, sets forth as of the date of the Praecipe for Writ of Execution (Mortgage Foreclosure) was filed, the following was information concerning the real property situate at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055, the same being more particularly described on Exhibit "A" attached hereto and incorporated by reference: 1, Names and Addresses of Owner(s) or Reputed Owner(s): Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine a/k1a Susan Dorsey Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 2, Name and address of Defendant(s) in judgment: Susan Augustine alkla Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 3, Name and last known address of every judgment creditor whose judgment is of record on the real property to be sold: Name: Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005- WMC2 clo WILSHIRE CREDIT CORPORATION, Upper Allen Township Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 100 Gettysburg Pike Mechanicsburg, PA 17055 4, Name and address of the last recorded holder of every mortgage of record: Name: Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005- WMC2 clo WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 5, Name and address of every other person who has any record lien on the property: Name: None, Address: Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: 6, Name: None, 7, Address: Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: Date: Name: Tenant/Occupant Address: 111 Holly Drive Mechanicsburg, PA 17055 Domestic Relations 13 N, Hanover Street POBox 320 Carlisle, PA 17013 Domestic Relations Human Services Bldg, 25 S, Front Street 8th Floor Harrisburg, PA 17101 Commonwealth of PA Department of Welfare P,O, Box 2675 Harrisburg, PA 17105 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Marlin A. Yohn, Sr. 6 Hickory Lane Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue Mechanicsburg, PA 17055 I hereby verify that the statements made in this Affidavit are true and correct to the best of my knowledge or information and belief. I understand that false statements made herein are made subject to the penalties of 18 Pa, C,S, 9 4904 relating to unsworn falsifications to authorities, Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH, LLP -r Irdd0 , By: Stephe ,Iadik, Esquire Attorney for Plaintiff \..EGAL PIE$C'PlU''I'lOloI BEGINNING at '" (lllint In 'Ih" South"rn Un" of HollY Orly" (&ll rlMll Wide), 'IIIhlllh ",..1<1 pt;>lnt Ie In the dlvlallll line betwaen l.,ot NDS. ao iIond 111 e>n the her.lnafter mllntllilnllftlf PIBn of LlIllll; tnenoe OIlonl eN .olllhern line of Holl)' Drive, North lIll d"'grlles 24 mlnulll. 4Ll aeccmd& liIa,,!, nllllet.y (DII) foot toll polnt In th" dlVl8Ion One b$'lW8lIn lot Ne>a. 81 and 8~ IIn .ald Phln; tll.,.~" elllnll the (I'Ivlsl9n line b.......11 Lot No&. 81 "nd 8l!, S",uth 24 d.l/..... 35 mlnut.1l 20 slICondllliast, one h\lndr." .b~ ..y/In and thlrW-th"" oM-hundl'lllllhE (111;"'1:\1) milt to a pllln!; th.,lce Sllu1h If1 dell..... 40 mlnQ\lla llIucllnds West, nlllllty and "1IY.n t:Il\1l hunllradthll (90,01) flIet to II poln! III the dMllh:m IIB111 bIlt.w'8lIn Lilt No.. 80 and tl on ..'II Plan, Ilforllmtlntloned; thence alollg the dlvlsJcm Une /:II!twtltln I.ot 1'1", 80 anll81, NQrth a4llql'4l" :as mlnllllltl 20 ."QOnds W"1l1, Dna hundred siXty-thr.e and sev"nty-8lllht llne.hul'ldnKlth" (1llll,78) fHt till point In th" SQuthem line j:lf Holly Drive, tlfClr.menllolloll, "" th" pCllnt md plac:& of IiIEGlNNINIil. I!I!!INQ LOT NO, 81 In the Pllln of Spring IiIlllI Mm.., lIectlon IS.Iil'8VI!ll8d, whlQh :said Plan '" ...""rdllld III t.M Cumbarland Cl>unty RIlCOrdilf'. OfIIoeln PIOln Bllok 20,'" PIl'IlII1. The Imp...vemllntlllhereo"" 1".100 knllwn "$ Nil, '111 H~lly Dr'""", Mechanlcsvllle. Pennsylvania 1'l'llIl5, BElNG the Hame property which, by Deed dated J1IlI1l81'l' 1~1, 1004, and recorded JlUllU'ry 16, 1004 IlmODg the I.and Records of tbe County or CumberlP.d. CI!mmOllwealth of 1'1lII1ll1ylvanta.ln LIbel' No. 261, foUo 1480, waH granted llnd conveyed by EvelY", M. Dorsey noto RichlU"d Doney aDd Su.san Dorsey. ParMI No, 42.-28-1421..074 EXHIBIT I It . U,S, POSTAl SERVICE CERTIFICATE OF MAILING VI '0 - .. .. I\} ..... VI .. I\} '0 -" 000 - .. .. ~ III f1 ...0 '" 1;0 .. . 0 <Il ;! " '" " '" - '" - VI - VI '01\} -" -"0 VI -"0 - 0..0.. '0 MAY BE USED FOR DOMESTIC AND INTERNATIONAL MArl, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Received From: 100 ("''*'f(h,'J P,r", f'v\oLhQ,,'r'-\',~ U~ \7()~ }l PS Fonn 3'17, January 2001 -' .r- - el', \,.;1 ~,-' ,,'; . STEPHEN M, HLADIK, ESQUIRE ATTORNEY 1.0, NO, 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P,O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N,A" as Trustee for the MLMI Trust Series 2005-WMC2, c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA NO: 06-971 v, Richard Dorsey Susan Augustine a/kJa Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANTS, AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, NA, as Trustee for the MLMI Trust Series 2005- WMC2, c/o WILSHIRE CREDIT CORPORATION, Plaintiff in the above- captioned action, sets forth as of the date of the Praecipe for Writ of Execution (Mortgage Foreclosure) was filed, the following was information concerning the real property situate at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055, the same being more particularly described on Exhibit "A" attached hereto and incorporated by reference: 1, Names and Addresses ofOwner(s) or Reputed Owner(s): Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine a/kJa Susan Dorsey 2, Name and address of Defendant(s) in judgment: Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 '. . Susan Augustine a/kla Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 3, Name and last known address of every judgment creditor whose judgment is of record on the real property to be sold: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, Upper Allen Township Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 100 Gettysburg Pike Mechanicsburg, PA 17055 4. Name and address of the last recorded holder of every mortgage of record: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 c/o WILSHIRE CREDIT CORPORATION, 5, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- Name and address of every other person who has any record lien on the property: Name: None, 6, Address: Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name: None, 7, Address: Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: .' Date: Name: Tenant/Occupant Address: 111 Holly Drive Mechanicsburg, PA 17055 Domestic Relations 13 N, Hanover Street POBox 320 Carlisle, PA 17013 Domestic Relations Human Services Bldg, 25 S, Front Street 8th Floor Harrisburg, PA 17101 Commonwealth of PA Department of Welfare P,O, Box 2675 Harrisburg, PA 17105 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Marlin A. Yohn, Sr. 6 Hickory Lane Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue Mechanicsburg, PA 17055 I hereby verify that the statements made in this Affidavit are true and correct to the best of my knowledge or information and belief, I understand that false statements made herein are made subject to the penalties of 18 Pa, C,S, S 4904 relating to unsworn falsifications to authorities, Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH, LLP '1 \ rz.\d0 I . By: Stephe ,Iadik, Esquire Attorney for Plaintiff . l,EGAL PI'CRlI"TIClN BEGllNNING at a ~lnt In 'tile &ouUlam Ilna Qf HallY Drive (1Ill TNt Will'), ""IIlClll "'11 "1m I. In the 41vr.~1 Ill1ll bet:wal/n Lot N_1lQ land 81 on UllIl\lll'lllnafl'6r mllntlllilftllll Pl.n of Lota, U'ItnOe ltltll'llil_1wlMm III\ll of HOII)' Drive, North 811 c:l<IQr_1l4 mlnutl/8 4ll1l1lconlls ..~ nll~_ (1Clj fht UI . point In _ Illvlalon Iins betw..n Lot Noa. 81 lIna 8lt on aalll Plllln, tIl... alonl hi cllvllllon line IMtw8I111 Lot *-- " lll\d U, '\1uth 14 d.II..... 35 mlnlltllll 20 _"dll &aIIt. on. h"mb..cl lIbd\)' _11I1 Mil tIIIlti..,.... ~l'IIlN'II 11111!,lIS) fHt to 8. pQ;lnt; Ithe_ SoU1h 117 "'III't" 40 mlnaw. 11i UC/Ilm18 W.... nln..." lInd _an 0Nl hundrdthll (110.117) ftllIIt to It /lolnt In tilt dMaIon 111111 bIIItw..n Lot N08. 80 anel ., an _lei PI'an, llfol'lll'l'lll"ltlonllct, t\'len0$ "Iollig tile dNIslIm line blltwe"" I.ot NO>II. ~ IIIlcl 81. NQI'Ih 14 cl"lftIl U mlnu\llll 20 ._1l115 Wellt, one hlAlUli'tltl 8ilCtl1"thl'1I11 IllId "1lMlnt)'-ellht ICllItIohul'ldrocllha (1ea. .,&) _ to a po.lnt In Ih" Southern IIn. of Holly DrI"II, .felfemlll\l:lolllld, Ili; tll" plllllt linin! plllc:a of Iil!c.\lINNlNIlI. Bl!tHQ LOT NO, 81 In UlII PIC\n of $llrllllllil.l1n A_a. Sdoll S-/IlIIIVIud, ""hloh said PI." I, I'lIQClnllIIlIl1'l Ula Ilumbarl/lnd county Recol'tlllr'a OflI\lIlln P~n Boak liD, at PAllII !11, Th. ImpnMImllnt,$ Ul4Ir4lo1\'1 tIlling known 111l1'\l;~. '111 Ht.'lly DrIve, Mllc:lwlIClllVUle, PenMVI.,..,'" 1 Nil. BEING the SRIlle propertywbillb, by Deed dllted Janulll'l' l,:~, 2004. IUld ~rd.' JUlin." 16, 1Oll4 !t'Pl(lDll !hI'> Lud R.ecords IIlf the County (If Cumberland, C~DID1CIIlWealth of 1'IIIUlIylvlUlII, In Llber No. 261, fnllo 1480, WRS l!l'lluted nd conveyed by 'E~elfll M. DoRey unto lUchllU'd Darte:y UIId $nlAn Dnrsey. PlIl'OAi No, 42-2S.:t4l!1-ll74 " . ~, " .' ,:;...'. c~; --',-I <- ~:"" -- .," ..e'-, ~ -- ,"'" .....:.:, " COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND }SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which Wells Fargo Bank N A Tr is the grantee the same having been sold to said grantee on the 6th day of fum1 A.D., 2006, under and by virtue of a writ Execution issued on the 24th day of May, A.D., 2006, out ofthe Court of Common Pleas of said County as of Civil Term, 2006 Number 971, at the suit of Wells Fargo Bank Tr against Richard Dorsey. Susan Dorsey & Susan Augustine is duly recorded in Deed Book No. 276, Page 4437. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ~9 day of ~ , A.D. ~QO b ~ 8. ~I cL.fiJ'?f Re~order of Deeds RIcoIdIr of Deeds, CumbeIIInd CounIy, CIIIIII. PA My~ ExpillIIe Fill MoIdIyol.... 2010 .' Wells Fargo Bank, NA, as Trustee VS Richard Dorsey and Susan Augustine a/k/a Susan Dorsey The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2006- (11' Civil Term Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on July 3,2006 at 12:52 o'clock PM, he served a true copy ofthe within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Richard Dorsey and Susan Augustine a/k/a Susan Dorsey by making known unto Susan Dorsey, wife of Richard Dorsey, personally at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing her personally the said true and correct copy of the same. Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, states that on July 3,2006 at 12:52 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Richard Dorsey and Susan Augustine a/k/a Susan Dorsey, located at 111 Holly Drive, 'Mechanicsburg, Pennsylvania 17055 according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Richard Dorsey and Susan Augustine a/k/a Susan Dorsey, by regular mail to their last known address of 111 Holly Drive, Mechanicsburg, Pennsylvania 17055. This letter was mailed under the date of July 13, 2006 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on September 6, 2006 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Stephen Hladik for Wells Fargo Bank, N.A., as Trustee. It being the highest bid and best price received for the same, Wells Fargo Bank, N.A., as Trustee of c/o Wilshire Credit Corporation, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005, being the buyer in this execution, paid to SheriffR. Thomas Kline the sum of $1,013.26. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed $30.00 19.87 15.00 15.00 30.00 Auctioneer Law Library Prothonotary Mileage Levy Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed 10.00 .50 1.00 9.68 15.00 30.00 425.00 328.40 19.31 25.00 39.50 $1,013.26 ../ lo/O~/b~ y ,~~~ , , R. Thomas Kline, Sheriff r?~ 1\)'~ :J <jO \ ' {:.Jt'J 51d / (?w. I f '3 a, 1) I STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY 1.0. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, NO: 06-971 v, Richard Dorsey Susan Augustine a/kla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2, c/o WILSHIRE CREDIT CORPORATION, Plaintiff in the above- captioned action, sets forth as of ' the date of the Praecipe for Writ of Execution (Mortgage Foreclosure) was filed, the, following was information concerning the real property situate at 111 Holly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055, the same being more particularly described on Exhibit "A" attached hereto and incorporated by reference: 1. Names and Addresses of Owner(s) or Reputed Owner(s): Susan Augustine a/kla Susan Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 111 Holly Drive Mechanicsburg, PA 17055 Name: Richard Dorsey 2. Name and address of Defendant(s) in judgment: Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine a/k1a Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is of record on the real property to be sold: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 cia WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 4. Name and address of the last recorded holder of every mortgage of record: Name: Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005- WMC2 clo WILSHIRE CREDIT CORPORATION, Address: 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005- 5. Name and address of every other person who has any record lien on the property: Name: None. Address: Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: 6. Name: None. Address: Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: 7. Name: Address: Date: Tenant/Occupant 111 Holly Drive Mechanicsburg, PA 17055 Domestic Relations 13 N. Hanover Street POBox 320 Carlisle, PA 17013 Domestic Relations Human Services Bldg. 25 S. Front Street 8th Floor Harrisburg, PA 17101 Commonwealth of PA Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Marlin A. Yohn, Sr. 6 Hickory Lane Mechanicsburg, PA 17055 Mechanicsburg Area School District 100 E. Elmwood Avenue Mechanicsburg, PA 17055 I hereby verify that the statements made in this Affidavit are true and correct to the best of my - !mowledge or information and belief. I understand that false statements made herein are made subject to the penalties of 18 Pa. C.S. 9 4904 relating to unsworn falsifications to authorities. Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH,LLP By: Stephen M. Hladi ," ,uire Attorney for Plai tiff) \ "'-.-/ , l STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY 1.0. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O, Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA cIa WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, NO: 06-971 v. Richard Dorsey Susan Augustine a/kla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Richard Dorsey 111 Holly Drive, Mechanicsburg, PA 17055 Real estate situate at 111 Holly Drive, Mechanicsburg, Cumberland County, PA 17055, as more fully set forth on Exhibit "A" attached hereto, is scheduled to be sold at Sheriffs Sale on Wednesday, September 6,2006, at 10:00 a.m. in the Cumberland County Courthouse, One Courthouse Square, Carlisle, Pennsylvania, 17013, to enforcE' the Court Judgment of One Hundred Seventy-Seven Thousand Five Hundred Eighteen Dollars Seventy-Four Cents ($177,518.74) (plus any additional interestand costs) obtained by Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sale you must take immediate action. The Sale will be stopped if you pay Wells Fargo Bank, N.A., as Trustee for the MLMI Trust Series 2005-WMC2, (c/o Wilshire Credit Corp.), back payments, late charges, costs, and reasonable attorneys' fees due. To find out how much you must pay, you may call: Stephen M. Hladik, Esquire 425 West Main Street P.O. Box 29 Lansdale, PA 19446-0029 Telephone number 215-855-9521 1. You may be able to stop the Sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 2, You may be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See below to find out how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Sheriff of Cumberland County at (717) 240-6390. 2, You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the value of your property. 3, The Sale will go through only ,if the buyer paid the Sheriff the full amount due in the Sale. To find out if this happened, you may call the Sheriff of Cumberland County at (717) 240-6390. 4, If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6, You may be entitled to a share of the money which was paid for your house. A Schedule of Distribution of the money bid for your house will be filed by the Sheriff on or before October 6, 2006. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after filing the Schedule of Distribution. 7, You may also have other,rights and defenses, or ways of getting your property back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 ASSOCIA TJON 2 LIBERTY AVENUE CARLISLE, PA 17013 717 -249-3166 OR 800-990-9108 , Respectfully submitted, KERNS, PEARLSTINE, ONORATO & FATH, P Date: /-t) ? rze ;)/0-'-:> l ! By: StephEm-M. ladik, Esquire Attorney for Plaintiff STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY I.D. NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA cia WILSHIRE CREDIT CORPORATION, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, NO: 06-971 v. Richard Dorsey Susan Augustine alkla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). AFFIDAVIT OF LAST KNOWN ADDRESS OF DEFENDANTS Stephen M. Hladik, Esquire, attorney for the Plaintiff in the above- captioned action, hereby certify that the last known address of each of the Defendant(s) is as follows: Name: Richard Dorsey Address: 111 Holly Drive Mechanicsburg, PA 17055 Susan Augustine alkla Susan Dorsey 111 Holly Drive Mechanicsburg, PA 17055 RESPECTfULLY SUBMITTED, KERNS, PEARLSTINE, ONORATO & FATH, LLP Date: ~v Iocr l ' STEPHEN M. HLADIK, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY 1.0, NO. 66287 KERNS, PEARLSTINE, ONORATO & FATH, LLP 425 West Main Street, P.O. Box 29, Lansdale, PA 19446-0029 (215 855-9521 Wells Fargo Bank, N.A., as Trustee for COURT OF COMMON PLEAS OF the MLMI Trust Series 2005-WMC2, CUMBERLAND COUNTY, PA c/o WILSHIRE CREDIT CORPORATION" 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005-, PLAINTIFF, NO: 06-971 v, Richard Dorsey Susan Augustine a/kla Susan Dorsey 111 Holly Drive, Mechanicsburg, PA 17055, DEFENDANT(S). ACT 91 CERTIFICATION STEPHEN M. HLADIK, ESQUIRE, herby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because' () an FHA Mortgage () non-owner occupied () vacant ( X) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S.A. S 4904 relating to unsworn falsification to authorities. r17 __ t Date: c:::.{ G) O'{C BY: s~. Hladik, Esquire A or y for Plaintiff 0~/02/2005 19:21 2158554155 . . LAW OFFICE PAGE 02 lEGAL DESCRIPTION ALL THAT CERTAIN LOT, PARCEL OR TRACT OF LAND, AND THE IMPROVEMENTS THEREON, LYING AND BEING IN THE TOWNSHIP OF UPPER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS. TO-WIT: BEGINNING AT A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE (50 FEET WIDE), WHICH SAID POINT IS IN THE DIVISION LINE BETWEEN lOT NOS. 80 AND 81 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE ALONG THE SOUTHERN LINE OF HOLLY DRIVE, NORTH 65 DEGREES 24 MINUTES 40 SECONDS EAST, NINETY (90) FEET TO A POINT IN THE DIVISION LINE BETWEEN LOT NOS. 81 AND 82 ON SAID PLAN: THENCE ALONG THE DIVISION LINE BEtWEEN lOT NOS. 81 AND 82, SOUTH 24 DEGREES 35 MINUTES 20 SECONDS EAST, ONE HUNDRED SIXTY-SEVEN AND THRITY-THREE ONE-HUNDREDTHS (167.33) FEET TO A POINT: THENCE SOUTH 67 DEGREES 40 MINUTES 15 SECONDS WEST, NINETY AND SEVEN ONE-HUNDREDTHS (90.07) FEET TO A POINT IN THE DIVISION LINE BETWEEN LOT NOS. 80 AND 81 ON SAID PLAN, AFOREMENTIONED; THENCE ALONG THE DIVISION LINE BElWEEN LOT NOS. 80 AND 81, NORTH 24 DEGREES 35 MINUTES 20 SECONDS WEST, ONE HUNDRED SIXTY-THREE AND SEVENTY-EIGHT ONE-HUNDREDTHS (163.78) FEET TO A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE, AFOREMENTIONED, AT THE POINT AND PLACE OF BEGINNING. BEING lOT NO. 81 IN THE PLAN OF SPRING RUN ACRES, SECTION 5- REVISED, WHICH SAID PLAN IS RECORDED IN THE CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 20, AT PAGE 87. THE IMPROVEMENTS THEREON BEING KNOWN AS NO. 111 HOLLY DRIVE, MECHANICSBURG, PENNSYLVANIA 17055. BEING THE SAME PROPERTY WHICH RICHARD DORSEY AND SUSAN DORSEY, BY DEED DATED DECEMBER 30, 2004, AND RECORED ON MARCH 3, 2005, IN DEED BOOK 267, PAGE 3942, GRANTED AND CONVEYED UNTO RICHARD DORSEY AND SUSAN AUGUSTINE. BEING KNOWN AS PARCEL NUMBER 42-28-2421~074 REAL ESTATE SALE No. 61- Writ No. 2006-971 Civil Tenn Wells Fargo Bank, N.A., as Trustee for the MIMI Trust Series 2005-WMC2 c/o Wilshire Credit Corporation VS Richard Dorsey and Susan Augustine a/k/ a Susan Dorsey Attorney Stephen M... Hladik WRIT OF EXECUTION !lnd/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-971 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE MLMI TURST SERIES 2005-WMC2, C/O WILSHIRE CREDIT CORPORATION, Plaintiff (s) From RICHARD DORSEY, SUSAN AUGUSTINE A/KJA SUSAN DORSEY (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $177,518.74 Interest FROM 3/30/06 - $6,128.00 Atty's Comm % Atty Paid $133.92 Plaintiff Paid Date: MAY 24, 2006 L.L. $.50 Due Prothy $1.00 Other Costs ~ ' ~- ~ C TIS R. LONG (Seal) Prothonotary By: Deputy REQUESTING PARTY; Name STEPHEN M. HLADIK, ESQUIRE Address: KERNS, PEARLSlNE, ONORATO & FATH, LLP 425 WEST MAIN STREET, P.O.BOX 29 LANSDALE, PA 19446-0029 Attorney for: PLAINTIFF Telephone: 215-855-9521 Supreme Court ID No. 66287 Real Estate Sale # 62 On June 08, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, PA Known and numbered as 111 Holly Drive, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 08, 2006 By: ~~~ant Cj' :[ d Sl AVW qUUl 'ild 'I i(j", ."" ,.,. , /Un I iU..J Ull i HJ.;j fJ~": fl') :1:1lij3HS 3Hl .:10 3JI.:J.~O' ~ , \. THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever smce; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 19th and 26th day(s) of July and the 2nd day(s) of August 2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COpy S ALE #62 NIA CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 . ,.' ~ " ... . -I ". i ~ i. ~ ',j 4 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA S5. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VIZ: July 21, July 28, and August 4,2006 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. SWORN TO AND SUBSCRIBED before me this 4 day of August. 2006 NOTARIAL SEAL LOIS E. SNYDER, Notary Public " Carlisle Boro, Cumberland County , Mv Commis!'>ion Expires March 5. 2009 'b~~',~'St~ . REAL ESTATE SALE NO. 82 Writ No. 2006-971 Civil Wells Fargo Bank. N.A.. as Trustee for the MLMI Trust Series 2005-WMC2 c/o Wilshire Credit . Corporation vs. Richard Dorsey and Susan Augustine a/k/ a Susan Dorsey Atty.: Stephen M. Hladik LEGAL DESCRIPTION ALL THAT CERTAIN lot. parcel or tract of land. and the improve- ments thereon. lying and being in the Township of Upper Allen. County of Cumberland and Commonwealth of Pennsylvania. being more par- ticularly bounded and described as follows. to-wit: BEGINNING at a point in the southern line of Holly Drive (50 feet wide). which said point is in the di- vision line between Lot Nos. 80 and 81 on the hereinafter mentioned plan of lots; thence along the south- em line of Holly Drive. North 65 degrees 24 minutes 40 seconds East. ninety (90) feet to a point in the division line between Lot Nos. 81 and 82 on said plan; thence along the division line between Lot Nos. 81 and 82. South 24 degrees 35 minutes 20 seconds East. one hundred sixty-seven and thirty- three one-hundredths (167.33) feet to a point; thence South 67 degrees 40 minutes 15 seconds West. ninety and seven one-hundredths (90.07) feet to a point in the division line between Lot Nos. 80 and 81 on said plan. aforementioned; thence along the division line between Lot Nos. 80 and 81. North 24 degrees 35 minutes 20 seconds West. one hun- dred sixty-three and seventy-eight one-hundredths (163.78) feet to a point in the southem line of Holly drive. aforementioned. at the point and place of beginning. BEING Lot No. 81 in the Plan of Spring Run Acres. Section 5-Re- vised. which said plan is recorded in the Cumberland County Recorder's Office in Plan Book 20. at page 87. THE IMPROVEMENTS THERE- ON BEING KNOWN AS No. III Holly Drive. Mechanicsburg. Penn- sylvania 17055. BEING the same property which Richard Dorsey and Susan Dorsey. by deed dated December 30. 2004. and recorded on March 3. 2005. in Deed Book 267. page 3942. granted and conveyed unto Richard Dorsey and Susan Augustine. BEING KNOWN AS PARCEL NUMBER 42-28-2421-074.