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Home My WebLink About06-1432 . PHELAN HALLINAN & SCHMIEG, LLP LAWRENCE T. PHELAN, ESQ., Id. No. 32227 FRANCIS S. HALLINAN, ESQ.. Id. No. 62695 ONE PENN CENTER PLAZA, SUITE 1400 PHILADELPHIA, PA 19103 (215) 563-7000 M&T MORTGAGE CORPORATION ONE FOUNTAIN PLAZA 7TH FLOOR - DEF AUL T BUFFALO, NY 14203 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Plaintiff TERM (!,u~LIse-Yv1 v. NO. 6'., - /4J'l.... CUMBERLAND COUNTY JIMMY E. COX RHONDA A. CALDERON AIKIA RHONDA A COX 81 APPALACHIAN DRIVE CARLISLE, PA 17013 Defendants CIVIL ACTION - LAW COMPLAINT IN 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 INFORMA nON ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (800)990-9108 File #: 130084 . File #: \ 30084 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. ~ 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. . I. Plaintiff is M&T MORTGAGE CORPORATION ONE FOUNTAIN PLAZA 7TH FLOOR- DEFAULT BUFFALO, NY 14203 2. The name(s) and last known addressees) of the Defendant(s) are: JIMMY E. COX RHONDA A. CALDERON NK/A RHONDA A COX 81 APPALACHIAN DRIVE CARLISLE, PA 17013 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 10/23/2000 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1647, Page: 203. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/01/2005 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 130084 6. The following amounts are due on the mortgage: Principal Balance Interest 09/01/2005 through 03/13/2006 (Per Diem $25.86) Attorney's Fees Cumulative Late Charges 10/23/2000 to 03/13/2006 Cost of Suit and Title Search Subtotal $114.388.82 5,016.84 1,225.00 502.64 $ 550.00 $ 121,683.30 Escrow Credit Deficit Subtotal 0.00 305.69 $ 305.69 TOTAL $ 121,988.99 7. The attorney's 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 attorney's fees will be charged. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable. have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant( s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. 9. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of$ 121,988.99, together with interest from 03/13/2006 at the rate of$25.86 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN H~INAN & SCHMIEG, LLP ~..-,- ~ ?-f?~~~, By: I,IFranoi, S. Hallinan LAWRENCE T. PHELAN, ESQUIRE FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff File #: 130084 . LEGAL DESCRIPTION ALL that certain piece of ground with improvements thereon erected situate partly in Middlesex Township and partly in Silver Spring Township, Cumberland County, Pennsylvania, bounded and described in accordance with a certain Pinal Subdivision Plan for Scott A. Diven by C.W. Junkins Associates, Inc, dated July 18, 1986, as revised September 29, 1986 consisting of one page, a copy of which was recorded on November 18. 1986 at the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 51 at Page 106, and is incorporated herein by reference, as follows, to wit: BEGINNING at an iron pin set in a 25 feet wide private right of way and in common with lands now or formerly of Robert Sunday, Lot No. I and Lot No.2 of the aforementioned subdivision plan, and lands now or formerly ofE.L. Sunday; thence by lands now or formerly ofE.L. Sunday, South 33 degrees 01 minute 30 seconds East, 72.70 feet to an iron pin set on the westerly right of way line of Appalachian Drive (T -573); thence crossing the dedicated 50 feet wide right of way and roadway of Appalachian Drive (T -573) and the Middlesex Silver Spring Township line. South 33 degrees 0 I minutes 30 seconds East,S 5 .84 feet to an iron pin set on the easterly right of way line of said Appalachian Drive at line of lands now or fonnerly of Stephen Sunday; thence by lands now or formerly of Stephen Sunday, South 33 degrees 01 minutes 30 seconds East, 102.50 feet to an iron pin set at line of lands now or formerly of Roland D. Penton; thence by lands now or formerly of Roland D. Penton, South 52 degrees 05 minutes 50 seconds West, 135.00 feet to an iron pin set at the northerly side of the right of way ofthe Pennsylvania Turnpike, Interstate 76; thence by said right of way line of the Pennsylvania Turnpike, North 60 degrees 29 minutes 50 seconds West, 42.16 feet to an iron pin set at the easterly right of way line of Appalachian Drive (T-573); thence crossing the dedicated 50 feet wide right of way and roadway of said Appalachian Drive, and the Silver Spring-Middlesex Township line, North 60 degrees 29 minutes 50 seconds West, 50.01 feet to an iron pin set on the westerly right of way line of Appalachian Drive (T-573); thence continuing by the northerly side of the right of way line of the Pennsylvania Turnpike, North 60 degrees 29 minutes 50 seconds West, 322.18 feet to an iron pipe at line oflands now or formerly ofPred L. Wilson; thence by lands now or formerly of Fred L. Wilson, North 35 degrees 18 minutes East, 100.00 feet to an iron pin set at the dividing line between Lot No. I and Lot No.2 of aforesaid subdivision plan; thence along the dividing line between said Lot No. I and Lot No. 2, South 60 degrees 29 minutes 50 seconds East, 212.28 feet to an iron pin set in the 25 feet wide private right of way between aforementioned Lot No. I and Lot No.2; thence in and along said 25 feet wide private right of way, North 45 degrees 55 minutes 45 seconds East, 137.35 feet to an iron pin set at line oflands now or formerly ofE.L. Sunday, the point and place of BEGINNING. CONTAINING 52,043 square feet, more or less. BEING all of Lot No.2 on the Final Subdivision Plan for Scott A. Diven recorded as aforesaid. BEING improved with a two story block dwelling known and numbered as 81 Appalachiau Drive, Carlisle, Pennsylvania 17013. BEING that same real estate that Scott A. Diven and Robyn A. Diven, husband and wife, by their deed dated July 30,1991 and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 'F', Volume 35 at Page 1184, conveyed to William E. Maring and Lisa Maring, husband and wife, Grantors herein. File #: 130084 VRRIFTCATTON FRANCIS S. HALLINAN, ESQUIRE hereby states that he is attorney for PLAINTIFF in this matter, that Plaintiff is outside the jurisdiction ofthe court and or the Verification could not be obtained within the time allowed for the filing on the pleading, that he is authorized to make this verification pursuant to Pa. R. C. P. 1024 ( c) and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of his knowledge, information and belief. Furthermore, it is counsel's intention to substitute a verification from Plaintiff as soon as it is received by counsel. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. ~J~ DATE: .3 ).3)b , . FRANCIS S. HALLINAN, ESQUIRE Attorney for Plaintiff ;:j Q, ~ *- ~ U1 U\ ~ .:t.- Ift 8 ~ ~ C>' .....1 -- ~ ~ 51 . . -.,- b t-:. !'. ~ --.L... c.:' . , > AFFIDAVIT OF SERVICE - CUMBERLAND COUNTY(LCF) PLAINTIFF M&T MORTGAGE CORPORATION SERVE AT: 12750 EQUESTRIAN CIRCLE #3008 FT MEYERS, FL 33907 >+ 'O',vcrcd- OJJ-e UI"",f 0cC"ft ..fo/ c,,,~1f,-e, oIF SRRVFfl TYPE OF ACTION xx. Mortgage Foreclosure .xx. Civil Actiou NO. 06-1432- CIVIL TERM File number 130084 DEFENDANT JIMMY E. COX RHONDA A. CALDERON Served and made known to RHONflA A ('AT flFRON, Defendant on the.3'~ day of fo-hrch at '....f) o'clock,~.M.,at 1).,7~') E'buesllian C..r.;"",.7,(T%.Ff, Myers/Fc.. , City in the manner described below: ~ Defendant personally served. _Adult family member with whom Defendant(s) reside(s). Relationship is _Adult in charge of Defendant's residence who refused to give narnelrelationship. Manager/Clerk of place oflodging in which Defendant(s) reside(s) _Agent or person in charge of Defendant's office or usual place of business. and officer of said defendant company. Other: Description: Age35'ilS.Height 5'.')" Weightl,j1lfj; Race 1.1h,.)e. Sex F ,2000 Other lJiA I,~fWl'() V. ~ a competent adult, being duly sworn according to law, depose and state that I personally handed to fi'ixYkh A. (:0;1 dero() . . f.; -+, _a true and correct copy of the Comfla1o+ /(] Morf's"'iI- FQlecJC6C.lfe rV:)t-c.e c>-f1d Vep Q;' OJ issued in the captioned case on the date and at the address mdicated above. Sworn to and subscribed ~' ~~ Before m~ this It ~ay " Server) R . " v Of M4L, 20JLl,o ",,) J ,,/ . Ro.Y' 01<.1 ,'. i-c...."...,_GO NotarY'vlY1{JJ.J.U/./1AY(}~ ..',:,;.:~~~ MARCIAl.. MCevERS .' '. MYCOMWSSIONiDlNlOO!SFRVIW . EXPIRES: March 3]l!P10, at because: ~Se~s Unknown _No Answer On the day () ~.M.. Defendant NOT F01 Moved o'clock Vacant Other: Not Servpcl Ry: Phelan Hallinan & Schmieg, LLP Attorneys For Plaintiff Francis S. Hallinan, Esquire - 1.D.#62695 Suite 1400- One Penn Center Plaza at Suburban Station Philadelphia, PA 19]03-1799 (215)563-7000 ., c.:. ", MARIA P. COGNETTI & ASSOCIATES KRISTOPHER T. SMULL, ESQUIRE Attorney I.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 Telephone No. (717) 909-4060 Attorneys for Defendant, Rhonda A. Cox M&T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-1432 CIVIL TERM JIMMY E. COX, RHONDA A. CALDERON A!KJ A RHONDA A. COX Defendant : CIVIL ACTION - LAW ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE AND NOW. comes Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox, by and through her attorney, Kristopher T. SmuU, Esquire, and files the following Answer to Complaint in Mortgage Foreclosure, and in support thereof avers as follows: 1. Admitted. 2. Admitted in part and denied in part. It is admitted that the address of Defendant, Jimmy E. Cox, is 81 Appalachian Drive, Carlisle, P A 17013. It is denied that Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox resides at said address. By way of further answer, Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox, has not resided at said address since May 2005. 3. Admitted. 4. Admitted. 5. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has no knowledge as to the veracity of the averment. By way of further answer, Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has not resided in the subject property since May 2005 and said property has been in the sole and exclusive possession of Defendant, Jimmy E. Cox, since said time. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. 6. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has no knowledge as to the veracity of the averment. By way of further answer, Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has not resided in the subject property since May 2005 and said property has been in the sole and exclusive possession of Defendant, Jimmy E. Cox, since said time. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. 7. This averment constitutes a conclusion of law to which no answer is required pursuant to the Pennsylvania Rules of Civil Procedure. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. 8. Denied. It is denied that Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, was ever served with a Notice of Intention to Foreclose or Notice of Homeowner's Emergency Assistance Program. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, hereby avers that she did not become aware of a possible foreclosure action regarding the subject property until she was served with the Complaint in Mortgage Foreclosure on March 31, 2006. 9. This averment constitutes a conclusion of law to which no answer is required pursuant to the Pennsylvania Rules of Civil Procedure. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. WHEREFORE, Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, respectfully requests that this Honorable Court deny Plaintiff's requested relief. MARIA P. C GNETTI AND ASSOCIATES Date: Sft/}O b By: KRIS ULL, ESQUIRE Attorney J.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 Telephone No. (717) 909-4060 Attorney for Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox VERIFICATION I, Rhonda A. Cox, hereby verifY and state that the facts set forth in the foregoing document are true and correct to the best of my information, knowledge and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. S4904 relating to unsworn verification to authorities. Date: S/L//O~ q~~ Rhonda A. Cox CERTIFICATE OF SERVICE I, Kristopher T. Smull, Esquire, Attorney for the Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox herein, do hereby certifY that on this date I served the foregoing Answer by depositing a true and exact copy thereof in the United States mail, first class, postage prepaid, addressed as follows: Francis S. Hallinan, Esquire PHELAN HALLINAN & SCHMIEG, LLP One Penn Center Plaza, Suite 1400 Philadelphia, PA 19103 Jeanne B. Costopoulos, Esquire 3803 Gettysburg Road Camp Hill, PA 17011 Date: sh 106 By: 14;]~~~SO=TES KRISTOPHER T. SMULL, ESQUIRE Attorney J.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, P A 17011 Telephone No. (717) 909-4060 Attorney for Rhonda A. Calderon alk/a Rhonda A. Cox ~ ...(.,;.,,, '""00:) '=9 u~ ~{,. Ch)~. ;;;.r ~'. r.,:; -c~: ~ 'J;:>- ....--', Z'.. _:::L.) ""C ~ -< ....... = = "" ::c: :< I co -0 ::c: (.,:) .. ~ ~:n :gSi Sb :t:~1 0(.'5 8m "" ~ - (.,:) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA M&T Mortgage Corporation ) ) CML ACTION Plaintiff ) NO. 06-1432 CIVIL TERM ) vs. ) TYPE OF PLEADING: Jimmy E. Cox ) Notice of Judgment Rhonda A. Calderon to Defendants A/KIA Rhonda A. Cox ) Mortgage Foreclosure Defendants ) Code and Classification 140 Civil Action Filed on behalf of Plaintiff Counsel of Record for this Party: FRANCIS S. HALLINAN, ESQ. - PA !.D. #62695 PHELAN HALLINAN & SCHMIEG, LLP Suite 1400 One Penn Center at Suburban Station Philadelphia, PA 19103 Firm LD. #23-2301814 . .. '- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA M&T Mortgage Corporation Plaintiff ) ) CIVIL ACTION ) NO. 06-1432 CIVIL TERM ) TYPE OF PLEADING: ) Praecipe For Judgment For ) Failure To Answer And Assessment Of Damages vs. Jimmy E. Cox Rhonda A. Calderon AfKjA Rhonda A. Cox Defendants ) Mortgage Foreclosure ) Code and Classification 40 Civil Action Filed on behalf of Plaintiff PREMISES: 81 Appalachian Drive Carlisle, P A 17013 Counsel of Record for this Party: FRANCIS S. HALLINAN, ESQ. - PA J.D. #62695 PHELAN HALLINAN & SCHMIEG, LLP Suite 1400 One Penn Center at Suburban Station Philadelphia, P A 19103 Firm J.D. #23-2301814 j t ~. PHELAN HALLINAN & SCHMIEG, LLP By: FRANCIS S. HALLINAN, ESQ. Identification No. 62695 One Penn Center at Suburban Station - Suite 1400 Philadelphia, P A 19103 (215) 563-7000 Attorney for Plaintiff M&T Mortgage Corporation : CUMBERLAND COUNTY : COURT OF COMMON PLEAS vs. : CIVIL DIVISION Jimmy E. Cox 81 Appalachian Drive Carlisle, PA 17013 : NO. 06-1432 CIVIL TERM Rhonda A. Calderon AlK/A Rhonda A. Cox 12750 Equestrian Circle #3008 Ft Myers, FL 33097 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against Defendant Jimmv E. Cox, only, for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: Judgment is entered in favor of Plaintiff and against Defendant, Jimmy E. Cox, for $121,988.99 plus interest from March 13, 2006 at the rate of $25.86 per diem and other costs and charges collectible under the mortgage. I hereby certify that (I) the addresses of the Plaintiff and Defendants are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. F~ (~ FRANCIS S. HALLINAN, ESQUIRE Attorney for Plaintiff DATE:.... ),. . '-': 19 ~Oo(o I PRO'~ .. . . PHELAN HALLINAN & SCHMIEG, LLP By: FRANCIS S. HALLINAN, ESQ. Identification No. 62695 Suite 1400 One Penn Center at Suburban Station Philadelphia, PA 19103 (215) 563-7000 ATTORNEY FOR PLAINTIFF M&T Mortgage Corporation : CUMBERLAND COUNTY : COURT OF COMMON PLEAS : CIVIL DIVISION vs. : NO. 06-1432 CIVIL TERM Jimmy E. Cox Rhonda A. Calderon A/K/A Rhonda A. Cox VERIFICATION OF NON-MILITARY SERVICE FRANCIS S. HALLINAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) that defendant Jimmy E. Cox is over 18 years of age and resides at 81 Appalachian Drive, Carlisle, P A 17013. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. r~ I~ FRANCIS S. HALLINAN, ESQUIRE 'I ~~ SHERIFF'S RETURN ~ REGULAR CASE NO: 2006-01432 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M&T MORTGAGE CORPORATION VS COX JIMMY E ET AL RONALD HOOVER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon COX JIMMY E the DEFENDANT , at 2046:00 HOURS, on the 20th day of March , 2006 at 81 APPALACHIAN DRIVE CARLISLE, PA 17013 by handing to JIMMY COX a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 4.40 .00 10.00 .00 32.40 .r'~~<~ R. Thomas Kline 03/21/2006 PHELAN HALLINAN SCHMIEG me this day of By: C24/D4/ Deputy Sheriff Sworn and Subscribed to before A.D. Prothonotary .. '. PHELAN HALLINAN & SCHMIEG, LLP By: Lawrence T. Phelan, Esq., Id No. 32227 Francis S. Fallinan, Esq., Id No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Philadelphia, P A 19103 (7 1~) ~t>l_7000 A TIORNEY FOR PLAINTIFF M&T MORTGAGE CORPORATION Plaintiff : COURT OF COMMON PLEAS : CIVIL DIVISION Vs. : CUMBERLAND COUNTY JIMMY E. COX RHONDA A. CALDERON NK/A RHONDA A. COX Defendants : NO. 06-1432- CIVIL TERM TO: JIMMY E. COX 81 APP ALACIllAN DRIVE CARLISLE, PA 17013 DATE OF NOTICE: APRTT.l1 lOOt> TIflS FIRM IS A DEBT COll.ECTOR ATIEMPTING TO COLLECT A DEBT. TIflS NOTICE IS SENT TO YOU IN AN ATIEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR 1HAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, TIflS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONS1RUED TO BE AN ATIEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF UEN AGAINST PROPERTY. IMPORTANT NOTICE YOU ARE IN DEF AUL T BECAUSE YOU HAVE FAILED TO ENTER A WRITIEN APPEARANCE PERSONALLY OR BY A TIORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTII AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF TIllS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE TIllS 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, TIllS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO EUGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, P A 17013 (800)990-9108 ~~ FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff . Request for Military Status Page I of2 " '. Department of Defense Manpower Data Center .. Military Status Report _ Pursuant to the Servicemembers Civil Relief Act JUN-15-200608:30:20 -< Last Name FirstlMiddle Begin Date I Active Duty Status I Service/Agency COX Jimmy Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. ~~U-~ Robert J. Brandewie, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. 99 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink.mil/faq/pis/PC09SLDR.html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https:llwww.dmdc.osd.mil/scra/owa/scra. prc _Select 6/15/2006 .. ., . Request for Military Status Page 2 of2 . -. by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:HFDILUTZEH https:/ Iwww.dmdc.osd.mil/scralowalscra.prc Select 6/15/2006 ~ n -0 c~ ~ . C> ~ ~ lrt - - :::::. ~ ~ 4- ~ ~ ~ ...() t=- u ~ - - ~~ r--. .' ''J r~~:~; ~'11 ,,-,,/" ~-t 'r:..,., (".:: ,"',lj::;'- ~, ,': ~<,~ p ...0 "'1 ...", ~.~I.;t ~ -) . c:.... ;'~Ji'n :~ ~'6 :-<. '? N , . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA M&T Mortgage Corporation ) CIVIL ACTION - LAW ) NO. 06-1432 CIVIL TERM Plaintiff vs. Jimmy E. Cox Rhonda A. Calderon AIKIA Rhonda A. Cox Defendants ) ) Notice of Entrv of Judl!:ment in Accordance with Pa, R.C.P.. Rule 236 Notice is given that a Judgment in the above-captioned matter has been entered against Jimmy E. Cox Oh ), L.. ~€... 19 ~Io . ~ By: DEPUTY If you have any questions concerning this matter, please contact: FRANCIS S. HALLINAN. ESOUIRE Attorney for Party Filing One Penn Center at Suburban Station, Suite 1400 Philadelphia, PA 19103 (215) 563-7000 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECENED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. SHERIFF'S RETURN - NOT FOUND CASE NO: 2006-01432 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND M&T MORTGAGE CORPORATION VS COX JIMMY E ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT CALDERON RHONDA A AKA RHONDA A COX but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , CALDERON RHONDA A AKA RHONDA A COX 81 APPALACHIAN DRIVE CARLISLE, PA 17013 DEFENDANT IS LIVING IN FLORIDA. Sheriff's Costs: Docketing Service Not Found Surcharge So answers: 6.00 .00 5.00 10.00 .00 21.00 -..---""~ ~ R. Thomas Kli Sheriff of Cumberlan PHELAN HALLINAN SCHMIEG 03/21/2006 Sworn and subscribed to before me .., this I'i ~. day of Iv>; J..vo(. A.D. Prothonotary SHERIFF'S RETURN - REGULAR CASE NO: 2006-01432 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M&T MORTGAGE CORPORATION VS COX JIMMY E ET AL RONALD HOOVER , Sheriff or Deputy Sheriff of Cumberland County,pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon COX JIMMY E the DEFENDANT , at 2046:00 HOURS, on the 20th day of March , 2006 at 81 APPALACHIAN DRIVE CARLISLE, PA 17013 by handing to JIMMY COX a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 4.40 .00 10.00 .00 32.40 .r-~e.d~~ R. Thomas Kline 03/21/2006 PHELAN HALLINAN SCHMIEG Sworn and Subscribed to before By: ~~/./ Deputy Sheriff me this / je day of ~ :)D7J(, A.D. Prothonotary , . PRAF,CIPF. FOR l.lSTlNG CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. ------.---------...---------------------------..-------------..---...------------------..-------------------------------- M&T Mortgage Corporation One Fountain Plaza 7th Floor - Default Buffalo, NY 14203 Plaintiff : Court of Common Pleas : Civil Division vs. : Cumberland County Jimmy E. Cox Rhonda A. Calderon NK/ A Rhonda Cox 81 Appalachian Drive Carlisle, P A 17013 Defendant : No. 06-1432 CIVIL TERM I. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. IdentifY counsel who will argue case: (a) for plaintiff: Address: Robert Lieberman, Esquire 500 North 3,d Street, 12th Floor P.O. Box 1004 Harrisburg, P A 17108-1004 (b) for defendant: Address: Kristopher T. Smull, Esquire 210 Grandview A venue Suite 102 Camp Hill, PA 17011 3. I will notifY all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: Lot ~rt..i\.. n c:..= .. .-1 ::r: ~--n ~, .. ,"..' c,~ J:'.-) en , . PHELAN HALLINAN & SCHMIEG, LLP By: JENINE R. DAVEY, ESQUIRE Identification No. 87077 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7111111 Attorney for Plaintiff M&T Mortgage Corporation One Fountain Plaza 7th Floor - Default Buffalo, NY 14203 Plaintiff : Court of Common Pleas : Civil Division vs. : Cumberland County Jimmy E. Cox Rhonda A. Calderon A/KJA Rhonda Cox 81 Appalachian Drive Carlisle, PA 17013 Defendant : No. 06-1432 CIVIL TERM ('RRTIFICATION OF SRRVICR I hereby certifY that true and correct copies of Plaintiff's Motion for Summary Judgment, Brief in Support thereof, Order, Certification of Service, and Attached Exhibits were sent via first class mail to the person on the date listed below: Kristopher T. Smull, Esquire 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 Date: L I~I O'.{ e ine R. Davey, E uire Attorney for Plaintiff '}> --:.) <-<:. (-'j ~n '-1 ~)~;2 i-,) 0::) ;~; ,,~ en , - . PHELAN HALLINAN & SCHMIEG, LLP By: JENINE R. DAVEY, ESQUIRE Identification No. 87077 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103-1814 (21 '\l <;63-70011 Attorney for Plaintiff M&T Mortgage Corporation One Fountain Plaza 7th Floor - Default Buffalo, NY 14203 Plaintiff : Court of Common Pleas Civil Division vs. Cumberland County Jimmy E. Cox Rhonda A. Calderon A/K/A Rhonda Cox 81 Appalachian Drive Carlisle, P A 17013 Defendant No. 06-1432 CIVIL TERM MOTION FOR SUMMARY .rrmc.MFNT Plaintiff respectfully requests that the Court enter an Order granting summary judgment in its favor in the above-captioned matter and in support thereof avers as follows: 1. There are no material issues of fact in dispute. 2. Plaintiff is seeking only an in n:mjudgment in this mortgage foreclosure action. 3. Defendant, Jimmy E. Cox, has failed to file an Answer to the Complaint, and Plaintiff has entered a default judgment against him. A true and correct copy of Plaintiffs Praecipe for Judgment is attached hereto, incorporated herein by reference, and marked as Exhibit F. 4. Defendant, Rhonda A. Calderon A/K/A Rhonda Cox, has filed an Answer to the Complaint in which she has effectively admitted all of the allegations of the Complaint, as is further addressed in Plaintiff's attached Brief. 5. In her Answer, Defendant generally denies paragraphs five and six of the Complaint, which aver the default and the amounts due on the Mortgage. True and correct copies of Plaintiff's Mortgage Foreclosure Complaint and Defendant's Answer are attached hereto, incorporated herein by reference, and ... . . marked as Exhibits C and D, respectively. 6. Defendant has failed to sustain her burden of presenting facts, which contradict the averments of Plaintiffs Complaint. 7. Defendant admitted in paragraph three of her Answer that she executed the Mortgage. True and correct copies of the Mortgage and Note are attached hereto, made part hereof, and marked Exh i bits A and A I, respectively. 8. Defendants executed the Mortgage promising to repay the loan on a monthly basis. A true and correct copy of the Mortgage, which is recorded in the Office of the Recorder of Cumberland County in Mortgage Book No. 1647, Page 203, is attached hereto, made part hereof, and marked Exhibit A. A true and correct copy of the Note is also attached hereto, made part hereof, and marked Exhibit AI. 9. The Mortgage is due for the October 1,2005 payment, a period in excess of eight months. An Affidavit confirming the default and the amount of the debt is attached hereto, incorporated herein by reference, and marked as Exhibit B. 10. The notice provisions of Act 6 of 1974 do not apply to this action because the original Mortgage amount exceeds $50,000.00, as is further addressed in Plaintiffs attached Brief. Nevertheless, Plaintiff sent Defendant a letter notifying her of her default and of Plaintiff's intent to foreclose. A true and correct copy of the letter is attached hereto, made part hereof, and marked Exhibit E. II. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendant has failed to meet with an authorized credit- counseling agency in accordance with Plaintiff's written notice to Defendant. A true and correct copy of the Notice of Homeowner's Emergency Mortgage Assistance Program is attached hereto, made part hereof, and marked Exhibit E. 12. Plaintiff submits that its request for attorney's fees for preparing and prosecuting its foreclosure action, executing on its anticipated judgment, listing the property for sheriffs sale, and ensuring the conveyance of clear title is reasonable. Plaintiff will address this issue further in its attached Brief , . , 13. Defendant has the right to reinstate and 1 or payoff the loan up until one hour before a scheduled Sheriff's Sale. WHEREFORE, Plaintiff respectfully requests that an in rem judgment be entered in its favor for the amount due plus interest and costs as prayed for in the Complaint, for foreclosure and sale of the mortgaged property . Respectfully submitted, ELAN HALLINAN & SCHMIEG, LLP . . PHELAN HALLINAN & SCHMIEG, LLP By: JENINE R. DAVEY, ESQUIRE Identification No. 87077 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, P A 19103-1814 (215) ~3_701l0 Attorney for Plaintiff M&T Mortgage Corporation One Fountain Plaza 7th Floor - Default Buffalo, NY 14203 Plaintiff Court of Common Pleas Civil Division vs. : Cumberland County Jimmy E. Cox Rhonda A. Calderon AlKJA Rhonda Cox 81 Appalachian Drive Carlisle, PA 17013 Defendant : No. 06-1432 CIVIL TERM PI ,A lNTIFF'S RRlFF TN SITPPORT OF ITS MOTION FOR SIJMMARV .rrmc.MF.NT I. DF.FF.NllANT'S DICFAlIl,T IJNDF,R 'l'HIC MORTC.AC.IC On October 23, 2000 Defendants, Jimmy E. Cox and Rhonda A. Calderon NK/ A Rhonda Cox, executed a Promissory Note in favor of Plaintiff, M&T Mortgage Corporation, in the principal sum of $120,000,00, this sum being payable in equal, consecutive, monthly installments of principal and interest of approximately $901.52. On the same date, Defendant made, executed and delivered a Mortgage on the property at 81 Appalachian Drive, Carlisle, P A 17013 (hereinafter the "Property"), as collateral for the Promissory Note. Defendant defaulted under the Mortgage and Note by failing to make payments due October I. 2005 and each month thereafter. By the express terms ofthe Mortgage, upon default in such payments for a period of one month, the entire debt is immediately collectible. On February 8, 2006, due to Defendant's default, Plaintiff mailed Defendant notice of its intention to foreclose on the Mortgage to Defendant at her last known address. Defendant, however, failed to cure the '- . . default. A true and correct copy of the notice is attached hereto, incorporated herein by reference, and marked as Exhibit E. Because Defendant failed to take the necessary affirmative steps to cure the delinquency, Plaintiff was left with no alternative but to foreclose in order to recover its unjust financial losses. Accordingly, the present action was filed on March 14,2006. To date, Defendant has not brought the account current. n. PI.ATNTlFF IS F,NTITT.F,nTO SUMMARY .nmGMRNT AS A MATTF,R OFT.AW Summary judgment is a means to "eliminate the waste oftime and resources of both litigants and the courts in cases where a trial would be a useless formality." r .ile_ v RaImer, 389 Pa.Super. 451, 567 A.2d 691 (1989); Firot v Zem Zem Temple, 454 Pa.Super. 548, 551, 686 A.2d 18,20 (1996). A Motion for Summary Judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter oflaw. Pa.R.C.P. 1035.2(1); Allen v Merriweather, 413 Pa.Super. 410, 411, 605 A.2d 424 (1992); Rea_el v New Rlvd Raking f:n Ine, 410 Pa.Super. 591, 593, 600 A.2d 610 (1991). The moving party bears the burden of demonstrating clearly that there is no genuine issue of triable fact. Ori_enll v f:arpentero Oi_trie! f:nllneil nfWe_tern Pennoylvania, 370 Pa.Super. 295, 536 A.2d 412 (1988); affirmed, 525 Pa. 205, 579 A.2d 863 (1990); Allen, 413 Pa.Super. at 411; Beasel, 410 Pa.Super. at 594; Hnwer v Whitmark A__ne. 371 Pa.Super. 443, 381 A.2d 524 (1988); Rnrnah v i-l)1gienie Sanitatinn Co., 705 A.2d 841, 848 (Pa.Super. 1997). In response, the nonmoving party may not rest upon the pleadings, but must set forth specific facts demonstrating a genuine issue for trial. Phaff v Gerner, 451 Pa. 146,303 A.2d 826 (1973); Olljai v Oenni_, 431 Pa.Super. 366, 370, 636 A.2d 1130, 1132. Rule 1 029(b) of the Pennsylvania Rules of Civil Procedure specifically provides: Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivision (c) and (e) of this rule, shall have the effect of an admission. It is well settled that a general denial is unacceptable and deemed an admission where it is clear that the . . defendant has adequate knowledge and that the means of information are within the control of the defendant. FliR v 0107.-woki. 368 Pa. 578, 84 A.2d 188 (1951). C.-reon" v C"rconf\, 254 Pa. Super. 381, 386 A.2d I (1978); City ofPhilRtI.-lphiR v H"rtl"r, 114 Pa. Cmwlth. 475, 482, 539 A.2d 468,472 (1988). Gon<lrieh-A mrnm 2d ~ I 029( c XI), p. 280. A general denial effectively manifests an admission to the facts averred in the complaint. Swift v Miln"r, 371 Pa. Super. 302, 308, 538 A.2d 28, 31 (1988); Miehn"r v Montgnm"ry COllnty T"x CIRim R"r""", 671 A.2d 285, 288 (Pa. Cmwlth. 1996). One purpose in demanding a specific denial is to enable the parties to focus upon the disputed facts and to assist the Court in defining the issues for trial. Rogl")! HRr(ing & R""o" v Shmrt, II D&C 3d 303, 310 (Chester Co. 1979). Plaintiff submits that, in the Answer, Defendant has effectively admitted every allegation ofthe Complaint. Although Defendant purport to deny paragraphs five and six of the Complaint, which aver the default and the amounts due on the Mortgage, respectively, Defendant's averments amount to nothing more than general denials and demand for proof. Defendant generally denies the amount due under the Mortgage without reference to what she believes to be the correct amount due, or reference to any good reason to believe that the amount sought is erroneous. Unquestionably, Defendant knows specifically what payments she made on the Mortgage. Accordingly, because Defendant is charged with having sufficient knowledge upon which to base a specific denial with respect to the averments contained in paragraphs five and six of the Complaint, a general denial is insufficient to raise a genuine issue of fact. C"reon" v C"reon", supra; City ofPhil"ilf\lphi" v H"rtl"r, supra. The Pennsylvania Superior Court has held that, in order to raise a genuine issue of fact, defendants may not rest on the pleadings, but must sustain the burden of presenting facts to counter Plaintiffs averments. N"w York GIIRrtliRn Mortg"gI' v Oi"t7.-1, 524 A.2d 951 (pa. Super. 1987). W"ohington F"tI"rnl S"vingo "nil J o"n Aoooei"tion v St"in, 515 A.2d 980 (Pa. Super. 1986). A party will not be able to rely on I 029( c) and be excused from answering averments based on a lack of information where that party has sufficient information at its disposal to answer such allegations. Commw 'w Pr""t,, v R"inhow Aoooei"t"., 138 Pa. Commw. 56, 587 A.2d 357, 358 (1991). . . . The Pennsylvania Superior Court recently reiterated this principle in another mortgage foreclosure case. The Court held that the mortgagors' general denials in their answers to the Complaint must be considered admissions. Fir<t Wiscnnsin Tn,st CCn v ~tr.nssp,r, 439 Pa.Super. 192,653 A.2d 688 (1995). The Court reasoned that the only persons with knowledge of the amount due, besides the mortgage company, would be the mortgagors. Therefore, if defendant mortgagors do not plead specific facts in response to the allegations in the Complaint regarding the default and the amount due, the defendants are deemed to have admitted the allegations, and summary judgment for the mortgage company is proper. Eirst Wic;;,c.nnc;;,in Trm;:t (:0 v StrAllli;.li;.er, supra. In determining if an answer is a general denial, the Court must examine the pleadings as a whole. CCnmmw hy Prp,.tP,. <l'P"". at 61,587 A.2d 357, 360 (1991). A review ofthe pleadings as a whole in the instant case reveals that Defendant has failed to sustain her burden of presenting facts, which contradict the elements of Plaintiffs claim. Defendants general denial of the amounts due and the default should be viewed as admissions by this Honorable Court. m. AMOTJNT OF THR IN RRM .nmGMFNT The within case is a mortgage foreclosure action, the sole purpose of which is to take the Defendant's mortgaged property to Sheriff's Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is strictly in rem and does not include any personal liability. Np,wtnwn ViI1.gI' p.rtnp,rship v Kimmp,l, 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). ~ign.1 CCnnsnmp,r Oiscnnnt rnmp.ny v R.hnscin, 257 Pa. Super 101,109,390 A.2d 266, 270 (1978). Pennsylvania Rule of Civil Procedure 1141(a). However, Pennsylvania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is only for bidding at the Sheriff's Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at the Sheriff's Sale and become the successful purchaser, Plaintiff would receive the amount ofthe in rem judgment from the Sheriff, while the third party purchaser would obtain a deed to the property. . . Accordingly, the amount of the in remjudgment has no bearing or impact on the Defendant. IV. A TTORNRV FRIi;S A NIl C.OSTS A RR RRASON A Dr .R As to the attorney fees recited in paragraph six ofthe Complaint, it should be noted that paragraph twenty-two of the Mortgage clearly indicates that Defendant is liable for an attorney fee, costs of suit, and costs of title evidence if Defendant defaults on the loan. The attorney fee claimed in Plaintiff's complaint is less than five percent of the principal balance due on the loan. When Plaintiff was preparing its foreclosure Complaint, it could not know how much the attorney fees and costs would be upon completion ofthe foreclosure action. Plaintiff could not know whether the Defendant would contest the case and, if so, how extensively. Accordingly, Plaintiff used Pennsylvania case law as a guide. Attorney fees are enforced in order to compensate the Plaintiff for the reasonable and necessary expenses of collection. The Superior Court has held that it is inequitable for a mortgagee to expend sums of money for attorney fees in order to collect sums owed to him. FJl.tgllte Fnte'1'ri.e. Ine v RHnk Hnd Tn..t CompHnyofOld York ROHd, 236 Pa.Super. 503, 345 A.2d 279 (1975). As a general rule, attorney fees, which are reasonable, will be pennitted by the Court. A requested fee of five percent of the outstanding principal balance has been granted by the Court. Pennsylvania Courts have long and repeatedly concluded that such a 5% provision is reasonable and enforceable. R ohin.on v l.oomi., 51 Pa. 78 (1865); Fir<t Fedeml SHying' Hndl.oHn A <<ociHtion v Street ROHd Shopping Center. 68 D&C 2d 751, 755 (1974). It is important to note that the attorney fees called for in the Mortgage are owned by the mortgagee, not the attorney. They are not limited to the actual attorney fees but cover also the extra charges made necessary because the mortgagor failed to meet his obligation. Fonlke v HHtfield FHir Gronnd. RH7J1Hr Inc.., 196 Pa.Super. 155, 173 A.2d 703 (1961); HJI'1'er v Con.olidJlted Rnhher Co, 284 Pa. 444, 131 A. 356 (1925). In Fedemll Hnd RHnk ofRHltimore v Fetner. the Superior Court held that an attorney fee of 10% of the original loan amount was not unconscionable. 410 A.2d 344 (Pa.Super. 1979). Recently, the Superior . . Court cited Ee1m:I in confirming that an attorney fee of ten percent included in the judgment in a mortgage foreclosure action was reasonable. rit;C01:P v Morr;.vill" Hampto'1 ReAlty 662 A.2d 1120 (pa.super. 1995). hnportantly, Plaintiff clearly outlined how Defendant could avoid paying Plaintiffs attorney fees in the Notice oflntention to Foreclose Mortgage, which was mailed to Defendant. Defendant, however, failed to take the necessary affirmative steps to cure the delinquency, but rather has opted to litigate, which has resulted in more attorney fees. Additionally, Plaintiff submits that the amount demanded for costs of suit and title search in Plaintiffs Complaint is neither excessive nor unreasonable. Moreover, the reasonableness of attorney fees does not create a genuine issue of material fact, which precludes the entry of summary judgment. Fir.t National Rank and Tm.t ro of Newton v Fnrico, 40 D&C 3d 228 (1985). hnportantly, Plaintiff recognizes this Honorable Court's equitable authority to set attorney fees and costs as it deems reasonable. Therefore, there is no issue of material fact regarding attorney fees. V. PI.A lNTIFF'S MORTr.A(~F FORFCl.OSIJRF. ArTION nOF,S NOT COMF IJNl)F.R ArT 6 OF 1974 As averred in paragraph nine of the Complaint, the notice provisions of Act 6 of 1974 do not apply to this case. Section 403(a) states: Before any residential mortgage lender may accelerate the maturity of any residential mortgage obligation, commence any legal action including mortgage foreclosure to recover under such obligation ... such person shall give the residential mortgage debtor notice of such intention at least thirty days in advance as provided in this section. (emphasis added.) 41 P.S. 9403(a). Section 403(a) applies only to residential mortgages. Section 101 defines a residential mortgage as, "an obligation to pay a sum of money in an original bona fide principal amount of fifty thousand dollars ($50,000) or less ...". The Act 6 notice provision (9403) does not apply to the within case because the original loan amount exceeded $50,000.00. See Ander.on rontracting rompanr v naugherty, 417 A.2d 1227 (Pa.Super. . . 1979). Nevertheless, it should be noted that Plaintiff sent Defendant notice of its intention to foreclose on the Mortgage, which outlined the necessary steps Defendant should take to avoid foreclosure. A true and correct copy of the Notice of Intention to Foreclose Mortgage letter is attached hereto, incorporated herein by reference, and marked as Exhibit E. Because Defendant failed to take the necessary affinnative steps to bring the loan current, Plaintiff had no alternative but to commence foreclosure proceedings. VI. ~ TF.MfORA.RY STA.Y AS PROVTnRn RV~ HOMROW~R'S FMFR~F.NCV MORTGAr.:r ASSISTANCF. PROGRAM ACT 91 OF 1983 HASTF.R~ATF.n The Temporary Stay pursuant to Act 91 of 1983 has tenninated due to Defendant failure to meet with Plaintiff or an authorized credit counseling agency in accordance with Plaintiff's written notice to Defendant. A true and correct copy of the Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 is attached hereto, incorporated herein by reference and marked as Exhibit E. Act 91 of 1983 requires that notice be sent by the mortgagee to the delinquent mortgagor by first class mail addressed to his last known address. 35 P.S. 9 l680A03c(a). The statute specifically provides that notice pursuant to the statute shall be deemed received on the third business day following the date of the mailing of the same. 35P.S.gI680A03c(e). The letter contained the name, address and telephone number of Plaintiff's representative, whom Defendant could have contacted to discuss the delinquency and the possibility of qualifying for emergency mortgage assistance. Notwithstanding the receipt of this infonnation, Defendant failed to take action that would have resulted in a temporary stay of the proceedings. Because the homeowner failed to meet with an approved consumer credit counseling agency and file an application within the period specified, and failed to meet other time limitations under Act 91, the temporary stay under Act 91 of 1983 has expired. Plaintiff, therefore, has properly complied with Act 91 and is pennitted to proceed with its foreclosure action. Additionally, Plaintiff submits that the Pennsylvania Housing Finance Agency would now consider the homeowner ineligible for assistance due to Defendant failure to satisfy the procedural time requirements of Act 91 of 1983. . . VII. CONn .TJSION The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences, which might be drawn from them. Thompoon v Nooon, 379 Pa.Super. 115,535 A.2d 1177 (1988), offinnetl, 527 Pa.330, 591 A.2d 703 (1991). The Court must restrict its review to material filed in support of and in opposition to the Motion for Summary Judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P.l035. Overly v Kooo, 382 Pa.Super. 108,545 A.2d 970 (1989). Plaintiff submits that it has demonstrated sufficient facts to warrant summary judgment in its favor. Defendant executed the Mortgage knowing that she would be responsible for the payments. Defendant has admitted the existence of the mortgage in her Answer to the Complaint. Plaintiff has provided an affidavit that Defendant is in default and set forth the amount owed by Defendant. Therefore, Plaintiff maintains that it has produced sufficient evidence to establish a prima facie case for mortgage foreclosure. Once Plaintiff has satisfied its burden, Defendant has a responsibility to demonstrate facts, which would create a genuine issue for trial. fhaff; supra. Defendant has failed to sustain her burden of presenting facts, which would contradict the elements of Plaintiffs claim. Plaintiff respectfully submits that the allegations of the Complaint are, in fact, uncontroverted. Defendant has had use of the Property rent-free at Plaintiffs expense long enough. Defendant's Answer has been interposed for the purpose of delay only. Plaintiff requests that its Motion be granted so that it can recover the unjust financial losses it has incurred to date. . . WHEREFORE, Plaintiff respectfully requests that an in WIll judgment be entered in its favor for the amount due with interest and costs as prayed for in the Complaint, for foreclosure and sale of the mortgaged property. Respectfully submitted, P AN HALLINAN & SCHMIEG, LLP Jen n R. Davey, Esqu re Att ey for Plaintiff - ....... - . \ E)(lllBlrr A . 'r:<-'~ :::??'\ IOj 1 \;.) 0 fKVj?O (P./ Rt.ium To: H&T Mortgage Corporation 2270 Erin Court POBox 762B Lancaster. PA 17604-7628 Rrj:r~T P. ZICGLER flECurWLt (IF DEEDS CUMBERLAND COUIITY-PA 'DO OCT 2Y Ai'll! S3 P<q>ared By, Marge Bill nski Parcel Num~; {Space AhoYe 1'IIiJ Liac: .'or RecordlDg Datal MORTGAGE D~FINITlONS Words used in multiple sections of this docluneot are defined beluw IIl1d oth<< words. are dctined ill SecLiOfUl 3. J 1. 13, 18, 20 and 2J. Certain rule!; regarding the UlIllSC of words uaed in this documcul arc 81~ provided in Section 16. (A) l'Security lDstnuoen.t't me&n!l this document, which is dated together with all Riders in this document. (B) ''SorroWCt''' is Ji nuny E COX and Rhanda A calderon October 23. 2000 Borrower is the moctgagor under this Security lnsttumenL (q ''Lender'' i. H&T Mortgage CorPoration Lender is a Corporation 0008057697 PENNSYLVANIA. Singl, Family. hAft. M../Fr.tIId. Mac: UNIFO... INSTRUMENT r.nn JUn 3/5!! CII\'&IPAlllIllll1 '.g.lf(HI ''''I..,A~ VM'M(lAtu.nE'OIl"'S.l.OUlU~ j!GGd647 rAGE. ~ >I \.VJ~1 . . orlanized and existing under the laws of U. S. of Aaler1 ca Lenda',.ddteosis 2270 Erin Court. POBox 7628. Lancaster. PA 17604.7628 Lmder is 1hc mortgagee under this Security Jmtrumcnt. (D) "Notett means the promissory note signed by Borrower and dated October 23. 2000 The Note states thai. Borrower owes LeDderOne Hundred Twenty Thousand and DO/lOa. -... ... -. -.... -. - --- - -... -.. -. -. -.... - -- -.... ..-...-. - - --.... -.. - -... -. - DoJJars (U.s. S 120.000.00 ) plus interest Borrower bas promised. to pay this debt in regular Periodic Payments lU1d to pay !he deb, in full not !aler than November 1. 2030 (E) "Property" IIlCUII the property that is described below uadec the heading "Tt1ItIllfcr of Rights in the Property. " (F) 1'l.o10" moans the debt evidenced by the Note.. plu,," interest, any prepayment chargC!!l and late charges due under the Note, and aU sums due under this Security 1Dstrumcnt, plus inlera.1. (G) ''Ridenu means all !ideo lu this Security Instrument d18L arc executed by Dorrower. '!'he following riders are to be executed by Borrower [check. box as applicable]: o Adjust.ahle 10Ite Rider B" Condominium R.idcI'@"'SecondHomeRider B &11000 Rider Planned Unit Development Rider 1-4 Family Rider VA Ride< Iliweeldy Payma>! R;der Od.er(.)[spccifyJ Mortgage Insurance Rider (H) "Applicable Law" rooans all controlling applicahle federal. state aud local SlKlutCll, regulations, ordinances and adminiAtrative rules and on1crlI (that have the effi:lct of law) Il9 well as all applicable final, non*appealablc judicial opinions. m "Cummunlty Association Dues, Feel and Asseumenb" D'lCllR$ all dues, fees. assessmcntH and other charges that arc impoMed on Borrower or lhc Property by a eoodominiwn &'ISOCiatjon, homeowners association or Nimilar organization. (J) ''Electron1~ Funds Trans(er" means any tnwsfer of funds, other than a transaction originaood by check, draft. or similar paper instrument, which is initiated through au elt:etrunie terminal, telephonic instrument, cmnputer, or magnetic tape 80 as to order, instruct, Of authorize a financial institutloo to debit or eredit an account. Such term includes., but is not limilcd to, point.of-salc ltlUlSfc:tS, al1l.omated teller machine transactions, lrlInsfCn! initiated by telc:phonc, wire transfen, and au10mated clearinghouse transfers. (K) ''Escrow l1em1l" IIlC:8Il$ dlOSC items that are described in Se...'1i.on 3. (L) ''Miscellaneotul Proceeds" mcanl'l any compensation, llettlcment, award of damages, or proceed.. paid by any third party (otber than insurance proceeds paid under the coverages desc;ribed in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other laking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepl"QlCOtations of, or omissions as to, the value 8I1d1or condition ofdlc Property. (M) "Mortzage mtunlllee" means insurance pmlccting Lender against tbc Ilonpayment of, or default 011, lbcf.oan.. (N) ".Periodic Payment" means dle regularly scheduled amount due for (i) .rrincipal and interest under the ::::, :~:,~y =ooob w.d~ Section 3 Of~.::ty lnsuumCO~i?/ F.~~:~~:7~:: 80011647,AGE.203 (0) ''RESPA" IDCUUI the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 d Jeq.) and its implementing reguJa.tion. Regulation X (24 C.F.R. Part 3500), as they might be atnebded &om time to time, or any additioml or tUCW<<llOt' legislation or regulation that governs the SlIne subject matter. As used in this Scowity Instrument, "RESPA" refers to aU requirements and rCItril..1inrnl thB1 U'C impOACd in regard to a IICedc:raJly related mortgage loan" even if Lhc Loan does not qualify as a "fcderaUy related mortgage loan" under RliSPA. (P) ''Successor in IDlen$t of Borrower" means any party Ihat ba9 taken LitJ.e to the Property, whether or not that party has u.sumcd Dorrowcr's obligations wu1cr the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPEIlTY This Security Insttumelat secures to Lender: (i) the repayment of the Loan, and all renewals, extClUliuos and modifications of lhe Note; and (ii) the pettOrmance of Borrow s covenants and agreements l.lDda tb.is Sc<:urity Il1llI:rumeat and the Note. For this PWJKI8C, Borrower docs hereby mortS8Ic. grant and convey to Lender the followiDa desQribed property located in the County [Type or RccordirlJ luNdiction] of Cumberl and [NlDle afReenrding Juri~icri(l"1: See Attached which currently has the address of 81 App.al achian Drive Carl isle ("Pr_~"), {('icy], Pmn8)'lvania 17013 {S....eet] (ZipCodeJ TOOETIIER WlTH all the improvements now or hereafter erected on the property, and all CIlIemcats.. appurtenances, and fi;ll:tut'cs now or h<<eafter a part of the property. All repJacements and additions shall allo be covered by this Security In'ltrumcnt. AII_ of the foregoing is referred to in dlis Security Inslrumcnt a5 the "Property. " ".IIPAlllllUI 1'.1.301111I .~ ~. 0008057697 F.nw 3031 31" Bood647 rAGE. 204 BORROWER COV\!NANrS thalllonowor i> lawfully ~ of the ......l>ereby collVOJlOd and has U.. rigbl '" mongage, grant and coovey the Property and ,har the Property i. ~ except for encumbrances of record. Borrower WarTJU1IJ, and will defend geMC8lLy the title to die Property' against alt claims 8lKI demands, subject to any cncumbnmceS of record.. THIS SECURITY INSTRUMllNT combines uniform cnvmanu. for national use aDd oon-uniform covenants with limited variationa by jurisdiction tQ constitute a uniform 3ClGUrit)' iostrul:ueDt cover-ing real propeny. UNIFORM COVENANTS. Borrower aoc;l Lender covc:wmt and agree aI!I folloWfl: 1. Payment of Prl.dpal, lntera~ &crow Item', rrepaymeat Charps, ..d Late Cblraes. Borrower shall pay wfu:o. due lhc principal of. and interest on, tM debt evidenced by the Note IInd any prepaymCD.t clIarges and late charges due under the Note. Borrower limn also pay funds for Escrow Items pursuantlo Section J. Pa}'D1Cllts <hie under the Note and this Seeutity instrumcl1t sball be made in U.S. currency. IIowever, if any check or other instrunlml received by Lender as payment under the Note or thi., Security J.nstrwllent is n:tumcd to Lender uopaid, Lender may require that any (JI' all subscquc:ot paymeots due under the Nole and this Security 1nstnuneuC: be made in one or 11l()tC of the following furms, as selec'<:d by lAlder: (a) cash; (b) money order; (e) ccttifird checlc. bank check. treasurer. cl1eck or QUdliet' &. cheok. provided any ~h cl\cck. is drawn upon an instiMioo wholle dcpoIibl are ln1UTed by a fedenl agency. iostrumcnl:B1tty. or tntity; or (d) Electronic FlJIKhI TranKfer. PaYlIlcnb arc deemed received by Lender when received at the loeation desicnatcd in the Note or at such utlu:r location as may be designalw by l..endcr in ACCOrdance with the notice provisions in Section 15. Lender :may cet:urn any payrncnl or partial payn1Cl1lt if the paymeo1 or partial payments are insufficient ro bring the: Loan CutJalt. Lender may aoee!1t any pAyment or partill! payment insufficient to bring the Loan currenl, without waiver of any rights hereunder or prejudice to its rights to refuse such paymcal or partial paymcnt$ in the future. b\1\ Lcm1a u not obligated to apply such ppymentS Itt the lime ltuch l'a.yment:5 are accepted, If each Perioclic Payment is applied as of its scheduled due date, then Lender I..-f oot pay interest (111 unapplied funds. Lender may hold sw:h IUlllplllied funds until Borrower makes paytI1Cl\t to brlng the Loan curret'lt. If Borrow<< does not do 110 within a t&sonable period of time. Lender lIbaIl either apply lluch funds or return them to Borrower. If not applied earli<<, such fund:l will be applied to the outstanding principal balance wuJcr the Note immediately prior to furodrnmre. No offset or claim which Borrower might have now or in the futw'e aaainst Lender shall relieve Dorrower from malting p4ymcllts due under \.bc Note and this Security lnstcwncnt or performing the covenants aud agrcemenUll<<X:W'ro by this Security lnscnnnent. 2. Application of Payments Qr Pr<<~. &cl.:pt 11.'\ ntherwT.se described in this Section 2, all pSYllleub accepted and applied by Leuder llhall he applied in the following order of priority. <a) inl.Cr~t due under the Note; (b) prindpal due under the Note; (c) atl1OWlt5 due under Scclion 3. Such payments Mall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges. second to any other amowtUl due under this Security Instrumeot. and then to reduce the principal balance of the Note. If Lender receives 4 paymcot from Borrower for a delinquent Periodic Payment which includCl4 a ~ufficient amount to pay any late charge due, the payt>>CUt may be ilpplicd to the delinquent payment and the late charge. If more than one Per'iodio Payment'is oulStanding.. r.cndcr may apply any paymMt received from Borrower l.n the repayment of the Periodic Payments if. and to the ~tent that. each payment Ctl[l be ....17 ~~ 000B057697 ~&('A'IUI21 P...4t11. ~ F.,.3:03:831" iIOod647 fAG( .205 paid in full. To the extent that any excess exists aftc:r 1hc pu,ymcnt is applied to the full payment of one or JDOI't: Periodic Payments, such CXCCS3 may be applied to any late charge. due. Voluntary prepayments thall be applied first to any prepayment charaes and then as described in the Note. Any application of plyments, inannoe proceeds, or MiscelltnCOWI Procccdll to principal due under the Nulc "hall not ex.tend or postpoue the due diu; or change the amount, of the Periodic Paymcats. 3. F1lDds for Escrow Iteml. Bn~ s:ball pay to Lender on the day Pedodic Paymenls are due under the Note. unti1lhe Note is paid in full.. a lUlU (the "Funds") to provide ror payment of amount'l due tor. (a) taxes and assc55menfS and otb<< items which CIm attain priority over this Security lnstrumerlt as a lic::n or encumbrance on tho Propcrtyj (b) lcuchold payment! or ground rents OD the Property, if any; (e) premiums for any ADd all irnnaance required by Lender W1dcr Section $; and (d) Mortuagc IIWIrUJCe premiums, if any. or any sums payable by Borrow<< to Lender in lieu of the pa)'lDCl'lt of Mortgage IRltllmlCC premiums in accxm1ance with the provisions of Section 10. These irems are c:a1lcd "&crow Items." At origination u," at any time during the term of the Loan, Lender may require that Community Association DUCI. Fees and Assessments. if any, he: e8CI"OWed by Borrower, and such dues, fees and I8lIClUlmtIlts .ball be an &crow Item. Borrower shall promptly furniah to Lender all notices of amounlS to he paid under this Section. Borrower shall pay l..endCI' tbe FWlds for Escrow Items unJ~ Lender waiVCll JJorrower's obligation to pay the Funds for any or all Escrow Itcmll. Lender may waive Borrower's obligation to pay b) Lender l"UDds for any or 1111 EKcmw TtcmlJ tit any time. Any such waiver may only be in writing. (n the: event of such waiver, Borrower shall pay directly, when and where payable, the atDOWlt3 due for any Escrow Items for which payment or Funds has been waived by Leodcr and. if Lender rcquirC5. shall fiunish to Lender receipts evidencing such payment within such time period as Lender may require. Botrower'll obligation to make such pl.)'tl1Q1b and to I'fovidc receipts shall fur all purposes be deemed to be a covenant and &grccmeut conlAincd in this Security Instrument, as Ihe phrase "COVCllIIIlt and agrccmcnt" is used in. Section 9. If Borrower ill obligated to pay E3crow It.emll directly. pursuant to a waiver, and Borrower fails lo pay the amount due for an Escrow Item, Lender may exereiso its rights unda- Section 9 and pay MlCh amount and Borrower Malt then be obligated under Sectiou 9 to reply to lender IUlY IIUch amount. Umder may revoke the waiver as to my or all Escrow II.c:IWI at any time by a notice given in acc.ordance with Section 15 and, upon such revocation, Borrower &haU pay to Lend<< all FlUlds, and. in such IUDOUOlti. that are then required under lhill Section 3. Lcndet may, at any time, colla..1. and hold Funds in an mnounl (a) sufficicnllo permit f.cndcr to apply the Funds 8t the time specified under RESPA. and (b) oot to cx.cccd the maximum amount a lender can require under RESPA Lender .ball estimate tlloe amount of Funcbl due on the basis of current data and reasonable cstimalal of expcndirures of future Escrow ftem!l or otherwise in accordance wid! Applic.:able Law. The Funds &holl be hcld in an institution whose dcpullit, are in$Ured by a federal agency, instrumentality, aT entity (including lA1dec'. if Lender is an institution whose deposits are so insured) or in any FedcnU Home Loan Hank. Lender slWl8J1Ply the Funds to pay the E9l;COW Items no Ial.cr than the time specified undel RBSPA. Lender ~hall not charge lJorrowc: fur holding and applying the Funds, annually analyzing the C$ClOW account, or vtrifying the Escrow Items, WdCl4S Lender pays Borrower interest Qn the Funds and Applicable Law penni.ts Lender to make such a charge. Un.Ies:s an agreement is IUIIdc in writing or Applicable T....aw requil"C8 interest to be paid on tbc Funds, Lender shall not be required 1.1.1 pay Borrower any interest or earnings on the Fundll Borrower and Lender can agree in writinR, however, that interest _IIPAlt'.lZ1 htf~.l" .,,~. . . .(4 ',;-' - -..,. 0008057697 Farm:SG3I 3119 8Qud647,AGl .206 shall be paid on the PUDds. Lender shall give to Borrower, without charge, an annual aoc:ounting of the Funds as reqoked by RESPA If then: ill a. IlUI'plus of Funds held in escrow, as defined under RESPA, Lender shall account tn Rnrrower for the eteesS funds in ac:c:ordance with RESPA. If there is a shortage of Funds held in escrow. as defined under RESPA, Lender shall notify Borrower 8R required by RESPA. and Borrower shall pay to Lender the lIDlOunt DCCClIMt}' to make up the shortage in acc:ordaace -with RP.sPA, but in no more than lwclvc monthly payments. If there is . deficiency of .funds held in escrow, as defined under RESPA, Lender shaD l10tify Borrowor as rcquiced by RESPA, and Borrow..- shall pay to Lcndcr the amount necessary to make up the deficiency in accordance: with RBSPA, but in no more than twelve monthly paymcntlC. Upon payment in full of all swns secured by this Secw'ity Instrument, Lender shall prompdy refund to Borrowet any J'unds held by Lender. 4. Charges; Liens. Borrower shall pay all lu.a. ~b. c:hugcs, finest and impositioJ19 attributable to the Property which can attain priority over ems Security Irl5truma1t, 1eascbold pa)'DlCllUJ or growtd rentl on the Property, if any, and <.:OD1Oll.Iaity i\ssociation Dues, Fees. and Assessments. if any. "1'0 the extent that these iterus are Bicrow Items, Borrower shall pay them in the manner provided in Section 3. Berrowe- .mall promptly -SO any lien which baa priority ""'" this Security Iostrumcat unless Borrower: <a) ~ in writing to the payment of the obligation secured by the lien in a manner acceptable to. Lender, but only so long IS Borrower is perfurming lIuch agrccmenL; (b) conlWt.ll the lien in good faith by, or defends againsL c:n(orcc:mcnt nfthe lien in, 1ep1 proceedings whicb. in Lender's opinion operate to prevcnL the cnfnrcement of the lien while those proceedings are pc:oding. but only until such proceedings are concluded; or (c) secures from the holder of the lieu an agreanea.t satisfactory to Lender subordinating the lien. 10 tWlI Security lnsttwucut. 1C I..endcr dcLcrmincs that any part of the Property L'4 subject Lu B lien which can attain priority Uva' !hi" Security Jnstrument. Lender may give Borrower a notice identifying the lien. Within 10 days oftbc date on which that notice is given, Borrower shaI1 satisfy the lien or take one 'or" more of the actions set forth above in tbis Section 4. Lender may require Borrower to pay a nne..time charge for a. rea1 estate tax verification and/or rcporLiq; !lCI"vicc WICd hy Lender in eoanoction with this Loan. 5. Property Insurance. lJorrower sbalt bel' tbe improvements now exilItin& or hereafter ccected on the Property insured. against loss by fire. hazHrd.'1 included within the term "cxtaJdcd wvcragt:.," and any other hazards including, but not limited to, earthquakes ancI floods. for which Lender requires if13Ufancc. This insurance IlhaJI he maintained in the amounl8 (including deductible levels) and for the periods that Lenda' requites. What Lender requires pursuant to the preceding senleoces can change dW'iug the term of the Loan. The insUCiUlCe carrier providi.ng the wunmcc !WaU be: ch<>>icn. by Burrower liubjecL Lo Lender's right to disapprove Borrower's chok-c, which right shall not be exercised. unreaAOnahly. Lender may requi.re Borrower to pay, in connection with tbis Loan. either. (_) a onc-time charge for flood rone deLc..-rmination, certifiCAtion md trackiug services; or (b) a ont-time charge for flood zone determination and certification services and subsequent charges eac;h time remappings OI similar chauges occur which reasonably might affect such determination or certification. Borrower sha.1l also be fCKponKibtc fur tht: payment of any fees imposed by the .Federal I:!mergency Management Afp:JI;y in connection with the review of any flood zone determiJ.18tion resulting from. an objection by Borrower. '.a...11I ';:~ OOOB057697 ..'(P"II"l)) . Fa,," 3UI 3/11 Bool1647 rAGE .207 If Borrower fails Lo maintain any of the coverages described abc1ve. Leoder may obtain insurance coverage. at Lender' $ option tmd Borrower'1'I expertMl. Lender i. under no obligation to purclwle any particular type or amount of covenao. Therefore. such cover. lfhall cover Lender, but might or might not protect Borrower, Horrowa's oquity in the Property, or the OODJ.ents of the Property, against any risk, hazard or liability and might provide greater or lon<< COVClaaC than was previously in effect. Borrower acknowlcdgeM that the coat of the iUSUl'lllCC c:ovenae so obtained might significan1ly aceed the cost of inlunmce that Borrower could have obtained. Any amountl disbw'sod by LcndeI' under this Section 5 shall become additional debt of Rorrowcr SCClved by this Seeurity Instrument Thcao amountI shall beat int<<est at tho Norc rate from the date of disbunancnt aDd shall be payable, with suah intflrest, upon notice from Lender to Borrowct I"CCfUCllting payment. AU insurance policies required by Lender and renewals of such policies 9hall be subject to Lender's right to di""PP'""vc suc:h poli..... sIWl include . slIlldIrd mortpg. olauao, aud sbaII ..... Lendor .. mortglgCC mxVor as an additional Iou payee. Lender shall MYel the riaht to hold the policies and renewal certificates. If Lender requires, Borrower ,ball promptly give to Lender all receipts of paid prcmiw,ns and rcucwaI notices. Jf Bonowcr obtainl any form of Jnsurance coveraee, not otherwise required by Lender. for damage to, or destruction of, the Property, such policy IbaD include I ltandard mortgage clause and Ah.n name Lender as mortgagee and/or u an additional lOllS payee. In the event of 103S, Borro'Mlf Mall give prompt notice to the insurance carrier and Lc:udcI'. Lender may make proof of 10$$ if not madc prompl.ly by Borrower. UnlC88 l.coder and Borrower (Ifherwiae agree in wririns', any insurance proceeds, whether ur not Ibe underlying imllnncc wall rcquiral by Lender, "hall be BJlPlicd to restoration or repair of the Property, if the m1toratioo or r-cpair is cconumica11y Ceasi.ble and Lcndc::r'lI !oICCUrity iI not lessened. During such repair and restoration period, Lender shaU have the right to hold such inllumlCC proceeds until Lender has bad an opportunity to inIpcct 8Utd1 Property to CDsure the work has been completed to Lender's U.tilfaction, provided that such inspection shill be undertaken promptly. Lcodcr may disburse proceeds fnr the repairs and restoration in a sinale payment or in 4 series of progress payments: 13 lhe work il COf11)Ic:tcd. Unless an llJfCCIIlClU is made in writing or Applicable Law requires interest to be paid on such insurance proceeds. Lender shalJ not be required to pay lJorrower any interest or earnings on such proceeds. FCClt for publie adjusters. or other third parties, tctainod by Borrower shall not be paid out of the insuram:e prooccds and shall he the tIflle obligation ofRorrower, If the rCHloration or r'q)I.ir is not eoooomically feasible or Lender' ~ security would he b..'4CnCd, the imurancc proceeds shall he applied to the sum! socurcd by this Security luMrument, wbethc:r or not then due. with the excess, if any, paid 10 Borrower. Such iruluranoc proceeds shall be applied in the order provided for in Section 2. If Borrower ablndOns the hopcrty, Lend<< may file, negotiate and settle any available imunmCt: claim and relaled matteJ"lll. (f Borrower does not f~pond within 30 daya to a notice frOln Lco.dcr that the insurance carrier Iwr; offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. in either event., or if LeudCl" acquires the Property Wlder Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any inswance proceeds in an amoWlt not to ex.ceed lbc amountA unpaid under the Note or this Security Instrnm.ent, And (b) any other of Borl"O'.1la"s rights (otbc:r than the right to .,y refimd of unearned premiU1tls paid by Borrower) utidei' all imurance policies coveting the Properly, insuCar lIS Much rights arc applicable Lo the CQveragt: of the Property. Lender may use the insW'lUlC$ proceeds either to repair or fcalore the Property or to pay amounts Wlpaid under the Note or this Security Instnunent, whether or not then due. ~... I .'It .._,~ &~ 0008057697 4It&IPAIIUIZI F... 3131 :1111 80011647 paGE .208 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's princlpal rcsidc:ncc within sixty days after the exccuLion or thill Scc:urity Instrument and ,hall continue to occupy the Property as Borrower'M priDl.:ipal te&ideDce for at least one year after the date of occupancy, unless Lender otherwix agreeI in writing, which COD8eut ahaIl not be unreasonably wiLhheld. or wtlcss extenuating circumstaneel tttist which arc beyond Borrower'" (lOIItrnJ. 7. PreservltiOn, MaI.ten.nee .nd Protection of the Property; laspdoDS. Borrower sha.lI not destroy, damIge or impair the lTopcrty, allow the Property to deteriorate or corwnit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property frum deteriorating or deereuing in value due to its condition. Unlest it is determined pursuant to Section 5 that Rpair or restoration is not economiea.Uy feasible, Borrower shall Pf"omptly Jcpair the Property if damaged to avoid further deterioration or damage. Ir imurancc or condemnation proc:eeds are paid in conno..'tion with damage to, or the taking of, the Property, Borrower shall be responsIble for rq*ring or rcstoriDg the Property only if Lender has released proceeds fur such purposes. Lender mil)' dilburse proceeds for the rfPairs and restoration in . single payment or in a 5Crica of prograq p4yments as the work is "c:ompletcd. If the iOllW'UlOC or oondemnation proceeds are not sufficicot to repair or restore the Propc:r1y, Borrower 1& not relieved of Borrower's obligation for the completion of such repair or lUloralion. Lender or its agent may make roasonable enmt:S upon and iMpCCtiOlUl of the Property. If it has rcal40nable cause, Lender Olay inspect the inl.crior of the improvemen1s on the Property. Lender shall Bive Borrower notice at Ilte I.itm of or prior to such an in1erior inspectiOll specifying sum reasonable cause. 8. Borrower', Lon Application. .l3orrower shaH be in default if, during the Loan application process, Borrower or any pcr1QI1S or entities a<:ting at the dim:tion of Bnrrower or with Borrower's knowledge or COMeD.1 ga~ materially f.W.sc; misleading, or inac:curate informa1ion or statements 10 Lender (or failed to provide Lender with ma1erial information) in conuectiou with the Loan. Material representatiuoa include, but are not limited to, representations concerning Borrower' II occupancy of the Property IS Borrower's principal ce&idencc. 9. Protection of Lmder'. Interelllt IA the Property lad lUgbb Under chis Security InstrumCllt. If (a) Bortowa' f'aiIs to pafonn the COvenant$ IDd qreeanmts coctaiued in this &:..:urity btrumcnt, (b) there is a legal proceeding that migh1 significantly affo;t Leodc:r'l!l intCl'CKt in the Property anNaT rights under dUN Security Instrument (such as a proc~:I.:ding in hankruptcy, probate, for condemnation or forfeiture, fat enforcemcnc of a lien which may attain priority over this Secw'ity Instrument or to enforce laWl!: or regulations), or ee) Borrower hl'ls abandoned the Propecty, Iben Lender may do and pay for whatever i~ reasonable or appropriate 10 protect Ler.tdela interest in the Property and righl& under this Security Insl.rumcnt, including proteCting and/or asse.onting the value of the rroperty, and securine and/or repairing the Praperty. Uondec's actions can include, hut are no1 1imi1ed to: (a) paying any sums secured by 8 lien which has priority over this Security Ins1nln1C:Dt; (b) appearing in cowt; and (c) payiog rau;(lnablc attorneys' fees lo protect its intc:re$l in the Property and/or righL~ under thil'l Security Instrument, including its SCI..'UI'Cd position in a bankruptcy proceeding. Securing the Property includes, but is Dot limited to, entering the Property to make n.pairs, change locks, replace or board up doors and windows, dr~ wa1cr from pipes, eliminll.tc building or other code violations or dangcrOWi t:ondilions, and have utilities turned on or on: Although Lender may take action wm thia Section 9. r..endcr does not have 10 do $0 and is no1 under any duty or obligation to do so. It ill agreed tha1 T.endcr incurs no liability for not taking any or all actions authnri7..Cd under this Section 9. ,._._B_Il. ,.."JJf~ ~cr 0008057697 Cll!Jt,;8lPAI '''IZ1 fann 30n JI" aood647,. .2()9 Any amounts disbuned by Leodec under this Section 9 shall become additional debt of Borrower secured by this Security Instnunent. Thc8c ImOWlts shall btw inl.crest at lhe Not.c rale from d~ date of disb1nement and shall be payable, with lIUCh interest, upon notice from. Lender to Borrower 1'eqUQlung paymc::nt. If this Security Instrument is on a leMdtold. BorroWQ' shall comply with all the provisions of the lease. If J::Jorrowcr acquires foe title to lhe Property, the lCBKChnld md the fee title Mhall nut merge wdC4.'( Lender agrees to the merger in \Wiling. 100 Murtgage IDIlIftDee. If Leader required Mortgage Iosuraoce as a condition of 0lI!king the Loan, Borrower shall pay the premiWIJI required to maintain the Mortgage In8unmcc in effect. If, for any rcuon, the Mortgage IDSUI'IIlCe coverage required. by Lender ceases to be available from the mortgage insurer that pra-ioust)' provjded such insurance and BorroW'CC was required to make separately designated payments toward the premiums for Mortgage 111BUI'lU1I.:et Borrower sball pay the prcmiUIM required to obtain cownie $Ubstantially equivalent to the Mort... Iaeuranc:e prcvious1y in effeet. .t . cost substultially equivalent to the cnat to Borrower of the MOJ1sage Insurance previously in ef&ct, from an alternate mortpge insurer selected by Lender. If substantially equivalent Mortgage l:nsuran&Jc coverage ill IlOt available. Horrowcr sball continue to pay to Lmda- the amount of the lIqW'ately dclign8ted payments that were due wben the iosunmcc COVfX'age ceased to be in effect. Leader will accept, use and retain these payments lilt a nnn-refundable loss reserve in lieu of Mortgage Insunmoe. Such 1083 reserve .baIl be nnn~refUndsble. notwithstanding the fhct Lbat the Loan is ultimately paid in fuJI, and Latdcr nil not be: required to pay Borrower any inlcn:st ox eamingR on Koch 10M reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period chat Lender requires) provided by an inJUrer selected by 1...cnder again bor;oma available, is obtained, and Lender requires l'leparatdy designated payments toward the premiWDll for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the J..oan and Borrower was required to make separately designated payments toward lhe prcmiwns for Mortgage h1S\lI'8llCC. Bonowet' shall pay the premiums required to maintain Mortgaae Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in IICC()rdance with any written agreement between 8c:m'ower and Lender providing f(ll' such tcnnination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower'liI obiigation to pay interesf at the rate provided in the Note. 11. Asllignmeo.t of MiKeU.lneou. Proceeds; Forfeitun:. All MisccI1ancous Pro~"Cd:t lire hl..on:by lll'Isigned to and shall be paid to Lcudc:r. If the Property is damaged, such Miscellaneous Proooeds shall be applied to restoration ()t l'Cpair of the Property, if the restoration or repair is cconol1uca1ly feaaible and Lender's security is not lessened. During such repair and restoration period, Lcmlc:r nil have the right to hold such Miscellaneous Proceeds until Lender baa had an opportunity to inspect such Property to ensure the work has been completed to Lender' 8 llBlisfacti.nn, provided that such i.nspeetion shall be undertaken promptly. Lender may pay for the tcpllirlf and restoration in a smg1e disbw"sement or in l!o series uf pr~ payrru:n1s as the work ill completed. Unless an aw=nmt is made in writing or Applicable Law requires interest to be paid 00 mch Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Mi,ce1laneol.W ProcccdA. If the restoration or repair is not economically feasible or Lendet's security would be lcsscnl:u, the Mi$CCJlancous Proceeds shall be applied to die sums sec:urcd by this Secwity Instrwncut, '....01111 --$ 0008057697 <11I\-'1."111.121 f.r. 3839 3'99 Bool1647 rAGE..210 whether or not then due. with the~, if any, peid to Borrower. Such Misoellaneous Proceeds shall be applied in the order provided for in Section 2. 10 Lhc; event of . total takine, destruction. or loss in value of the Property. the Millcclhwmus Proceeds shsll be applied 10 the sums secured by this Security !nstnlmerII, wbether or not theol due. with the excess, if any, paid to Borrower. In lhc event ur a partial taking. deKtruetion, or 1088 in value of the Property in which !he fair market value of the Property immediately before the partial taking. destruotion, or loss in value ill equal to or great.ct thaa. the amouat of the sums secured by this Se;utity Instrument inunecliate1y bcforo tho partial taking, dcstructiop, or 1008 in value, unless Burrower and Lender otherwise agree in writing, the sums secured by lhis Scx;wity Inlrtrumcnt shaII be rcducod by the amount of the Mil'Ccllanaul1I Proceeds multiplied by the following fraction: (a) the total amounf of the sums seoured immMiately before the partial taking. destruction, or 108$ in value divided by (b) the fair IDilfPt value of the Property immediately before the parlW taking, de>>trucrion, Of 1088 in value. Any balance Hhall be paid to Borrower. In the event of a partial tHine, destruction, or loss in value of the Property in which the fair market value of the Property immediate.ly before the pArtial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the plIrtial taking, destruction. or IWIll in value, unless Borruwa and Lender otherwise agree in writing, the MisceHaneous Proceeds shall be applied to the ,ums lCCUTed by thi, Security Instrument whether or not the SWDS are then due. If the Property is abandoned by Borro'M:l', or if. after notice by Lender to Boaowm- thai: the Opposins Party (as defined in Ihc next ~tencc) otTers to make an award to llCLtJe a claim for damages, Borrower Coils to tc.'IpOlld to t.aKlt:r within 30 days after the date the notice ls given, Lender i~ authori7X:d to collect amd apply the MisoeUaneou. Proceeds either to restoration or repair of the Property or to the ~ums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrowe.r Misccl1ancoua Prooocdll or the party againat whom Borrower ha,." a right of 8(,.1.ion in regard to Mi3cdlancous Proceeds. Borrower shall be in default if any action or proceeding, whether eivil or criminal. is begun that, in {.ender's jud&ment. could result in forfeiture of the Properly or olhct material impairment of Lender's interest in the PrGpcrty or righlll under thi5 Security rmtrumcnt. Rorrower can cure lIuch a default and, if aocclcration has occurred, reinstate as provided in Section 19. by causing the action or proceeding to be dimtisaed with a ruling that, in Lend<<' 8 judgulCllt, proc1udcs forfeiture of the Property or other matetial impainneat of Lender' 8 mteR8t in Lhc Property or rights under this Security tOKtnlmalL The proccc:ds uf any award or claim CO! daunaga: that arc attributable to the impairment of Lender' 3 inrere.'1t in the Property arc hereby usigncd IIIld shalt be paid to Lender. All MiACCllaneous Proceeds that are GOt applied to restoration or repair of the Propeny shall be applied in the order provided for in Section 2. 11. Borrower Not .Released; Forbearance: By Leader Not a Waiver. Extension or the time for payment or modification of IIIQ(Jrtimtion of the sums secured by this Security Instrument granted. by Lender to Borrower or any Succeuol' in Interest of Uorrowcr shall not operate to release the liability of Harrower or any Succe8&OI'S in Interest of Borrower. Lender shall DOt be required to commence proceedioga agaUl.$t any Successor in Interest of Borrower ur tu rcfuKc to cxtend time for payment or otherwillC modify amortization of the SUUl9 secured by this Security Imtru.ment by reason of any dtmand made by the original Borrower or any Succe8S0rs in Interest of Borrower. Any forbearance by Lender in exercising any right or ...,_ 111.111 ,....,QgC i;@c:? 0008057697 _&{PAllnIUI Form JD3t Jill Baod647r~.211 remedy including. witlaout limitation, Lc:z1der" s acceptanee of paymentl from third persons. entities or Succc::sson in Interest ofBotrowcr Of in 8InOWlt3less than lhc amount then due, JbaU not be a waiver orDl' preclude the cxen:ise or any right or remedy. 13. Jomt and Several UabiU(y; ClMIipt!rI; Sae(eMOn aad AI.ips B.1IIId.. Borrower covenants and ~ that Borrower's obligalinns and liability sball be joint and l'lCMn1. IIowever, any Borrower who CCNlians this Sewrity Instrument but does not execute the Note (a "co-sian<<"): (a) is co-mgning tml.l Security Instrument only to mortgage, grBllt and convey the co-signcr's intc:rcMt in the Propmy lU'1CIer the tenn:J uf this Sceurity Instrument; (b) is aot personally obligated to pay the sums secured by this SccW'ity fmtrument; and. (0) I8fcarl that Lerac:l<< 4Dd any other Borrower can agree to wend, modify, forbear or make lOy aocummodations with regard leI the terms of this Security lo.1trwncnt or the Note without the CO-lligner's consent. Subject to the proviaio.ns of Section lA. any Successor in lntecost of Borruwer who assumes Borrower' 5 obliptions under this Security Instrument in Wl"itiJl&. and ill approved by Lender, shall obtain all ot Borrower'. righb and bcncfitllUlder this Security lmrtrumen.t. Borrower sba1J not be released from Borrower' a obliptiona IInd liability under this Scxurity lnttnment unless Lender agrec:s La lIUclt release in writing. The covenants aad agrccmcnb of this Security Instrwne:ot shall hind (ell:cept' as provided in Section 20) and benefit thoSUCCCll...arl!l and ftS5ips of Lcoder. 14, Lola Chargc:t. Lender may clw"so Borrower fees for sc:rvioes performed in co~tion with RQrrowcr's default, for the purpose of protel...1ing Lcnder's interest in the Property and rightl'l under this Security Iastrurrtent. including, but not limited to, attorneys' fees, property inllJ'CCtion and valuation fees. In regard to any other fees, tltt: rdwnce of e:qJreSa authority in thi. Security Instrwncnt to charge a specific rce to Borrower shall not he construed a$ a prolu'bition on the cbargina of.uch fee. Lender may not charge fees that are cx.preNdy prohibitod by lhis Security hlstrumcat or by Applicable Law. [f the: Ll;)8l'l is subject to a law which sets maximum loan cbargcs, and that law is finally intcrprered so thau the interest or other loan charges collected or to be ool1ected in COIUlCCtion with the Loan ~cocd the permitted limits, then: (a) any such loan charge WlI be roduccd by the amount ncccssary to reduce the charge to the permitted limit; and. (b) my sums already collected from Borrower which exceeded permitted limib witJ he refunded to BorroWt.T. Lender may choose to make this refund by reducing the principal owed under the Note or by maltin& a direct payment to Borrower. If a refuod rcducct principal, the reduction will be treated as a partial p&qIaymcnt without any prepayment charge (whether or not D prepayment charae is provided for under the Note). Borrower' a acceptance of any such refund made hy dircd payment to Borrower will COJlItinne a waiver of any righ.t of action Borrower ttIigbt have arising out of such ove.-charge. 15. Noticel. All notices given by Borrower or Leodct- in connection with this SCCW"ity Instrwncnt JnUKt be in writing. Any notice kl Dorrower in connc:ction with tbis Security Instrument shafl be deemed to have been givoo. to Borrower wheeJ. mailed by finlt elMs mail or when actUllly delivered to Dorrower's notice addraa it sc::nt by other D1C8nS. Notice to any one Horrower shall Ctlrultilute notice to all Borrowers unless Applicable Law expressly requires othuwiso. The nutiee address shaH be the Property AddrClls unlCS9 Borrower has dcsignawd a lIubstitute notice addre.u by notice 10 Lender. Borrower shall promptly nutify Lender of Borrower' II change of address. If Lender specifies a procedu.re for rqxn1ing Borrower's chlUlge of address, then 8orrowcr shan only rqlort a change of address through that specified procedure. lbere lUay be (mly one de&ignated rHJtice address under this Sa.."LIrity Instrument lit any Olle time. Any ~ .. ...~ 0008057697 _&'P'AllnUI ,...It.lIe F.... JOn 3/88 BOod647 mE .21.2 notice to Lender shall be givco by delivering it or by mailing it by first c111l1:' mail to Lender's adduss sta~ herein unless J..endcr bas designated another address by notice to Borrower. A1.1y notice in connection with this Sccwity Instrument shall not be deemed to have been giVUI to Lcudcr until actually received by Lender. If any notice required by this Security 1nstrumcu.t is alsu required under Applicable Law, the Applicable Law requirement win satisfy the corresponding rcquircmeDt under this Security insln>u...l 16. Governtoa: Law; SevenbWty; Rules of CGnstmctfOll, 'ibis Security Instrwnent shan be governed by fedcta1 law and the law of the jurisdictioD in whic;h the Property i., located. All rights and obligations contained in thi8 Security Instrumcmt acc subject to any requirements and limitations of Applicablc Law. Applicable taw mi&ht explicitly Dr implicitly allow the partic.s to agree by contract or it might be silent, but sucl1 silence shall not be conlItrued as A prohibition agaiMt agreement by contract 10 the event that any provision ur clause of this Security Instrument or the Notc oonfIiet$ with Applicable Law, such oonfUet shalt not affect other provlsiof1l'l of this Scc:urity 1nstrurocnt or the Note which can be giVftt effect withuut the conftictina; provision. Iu used in this security Instrument: (a) words of the masculine gender shall mean and include corr"'l'OJlding..- wonJ. or words of the fanininc: ~; (b) words in the .inau1ar .baUlI1ClIJIuuI include the plWlll and vice versa; and (e) the word "may" gives sole discretion wilhuut any obligation to take any acti.OJL 17. Borrower', Copy. Bonower Jhalt be given one-copy of the Note and of this Security wtrumcnt. 18. TrUlfu of tile Property or a Beudidallnterat 10 Borrower. AJ used in this Section 18, "Inlcrest in thc Property" means any lc,gal or beneficial inter($(' in the Property, including, but not limited to, those beneficial interests tranafem::d in a bond for deed. contract for deed. installment sales contract or escrow agreement, the mtClll. uf which is tbe trwter of title by 'Borrower at a future dale to a purchaser. (f all or any pari. of the Property or aoy InI.cre...t 1n the Property is sold or transferred (01" if Borrower is not a natural pcrBOD. -and a beI1cficial interest in Borrower is sold or transferred) without Lc:ndet' I prior wrinen consent, Lender may require immediatc payment in full of aU sums secured by this Security Imtrumcnt. HOWCIYer, thi:. option shall not be Cl.crciscd by Lender ifsuch =tercist: il:l prohibited by fedenll law. If Lender exercises thi3 optiun, I.endtt shall give Borrower notice of acc:elcration. The notice slWl provide a period of not less than 30 days ftom the date the notice is given in accordmcc with Section 15 within which Borrower mWlt pay all sums secured hy this Security lnstrwnenl If Borrower fails to pay these sums prior to the expiration of lhi.<c period, Lender may invoke my remedies permitted by this Security Inslrument without further notice or demand on BorroWCl. 19. Borrower's Wpl to Rehutate After AceeleratiolL If Borrower meets certain cunditions, Borrowet' shall have !.be ri&hl to have enforcc:nK.'I1t of this Security Iastrwuenl dlscontinucd at MY time prior to thc carliCllt of: (a) five days before 118le of the Property pursuant lu any pClwer of sale oontained in this Security Imtrument; (b) IUCb allier period 8$ Applicable Law might specify for the tetmination of Borrower's right to reinstate; ur (e) entry of a judgment enforcing this Security Instrwnenl. Thusc conditions are that Borrower. (a) pays Lender all "urns which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreeme:ncs; (c) pays all expenses iDCurred in enforcing this Sccwity Imtrumcnt, including. but not limited to, rewwnahle attorneys' fcell, property inspection and valWlltion feM. lUtd othec fees incurred for the ... ".', ..;'~? 0008057697 Gl;IIPAl "'121 ,...l'.fU FInn nn '!!It 80011647 raGE .213 purpcoe or pr-.iog Lender's in"".., ;0 the Property and rig/tls under this Security!mtrulnent; and (d) takes $ud1 action III Lender may reuonably require to assore that Lender's interClt in fhc Property and rights wuk:r this Security Insrrumeot. and Borrower's obligation to pay dte swns so::ured by this Security Tnstrument, shall continue undwJgcd. Leodc:r ttlIly nquirc tbat Rorrnwer pay such reinstatement KW'M and expenses in one or rnon: of the fonawing fot1l1&. as selected by Lender: (a> cash; (b) money order; (e) certified chcdc.. hlmk cbeck, treasurer's ohc:ck or cashicr". cbec:k, provided any such cbock is drawn upon an institution whose deposits are insured bY' a 1i:W.:ral agency. iOlrtrumcntality or entity; or (d) Electronic ltunds TraI1$fcr. Upoo mDlltatcmcnt by Borrower, thiI Security Instrumeut and obligations secured hereby :iliaJ) rcnWn fully effective III if no acceleration had occurred. However, this right to roinstate shall not apply in the case of acceleration under Section 18. 10. Sale of NGtc; CbaDge of Loaa Servker; Notice of GrievaD<<~ The Note or a partial interest in the Note (toHcchcr with thi. Security Iastnnne:at) CID be sold one or more timet without prior notice to Borrower. A ute might result in a dumgc in dlC cIllily (known u the "Luan SCl'Viocr") that collwb Periodic Payments due under the Note and this Security Instrumc:nt and pedorms other mortgage loan .....icing obligations unda- the Note, tbi& Security lnIlrumeot. and Applicable Law. There also might be one or mon: clIangcs of the Loan Scrvi<:<< unrelated to a sale of the Note. If lhcrc is a change oC the loan Scrvic:er, BotTower will be liven wriRen nolice oC the change which will state the name and address of the new LoM Scnrioer, the addn:is to which payments should be ms.de and any other iofonnation lWSPA requircl in WWlCClion with a natice of transfer of 8<<'Yk:in&, If the Note is $Old and tbc:rea!ter the Loon is .erviccd by a Loan Serviccr other than the purcb&set of the Note, the mortgage loan servicing; obligations to Borrowa' will remain with the Loan Serviccr or be trmufcrrcd to a successor T.oan Servicer and are not ~ by the Note purcbasoo- unICM nthe<wise provided by.he Note purohaser. Ne.ithet Borrower nor r.cndet may ClOIl'PllCIIoe. join, or be joined to GIlY judicial action (4$ either an individual litigant or the IDtlIJlb<< of a class) that arises from the other party's acuuns pUnluanl to this ~ty Instrument or that alleles that Lbe othc:r party has breached any provisiM of, or lUly duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice xivm in cnmpliance witb the requirements of Section IS) of,uch alleged breach and afforded Lhc other party hereto a reasonable period after the giving oC xuch notice to take corrective action. If Applicable Law provida a time period which must elapse before eertaiIl action can be taken, that time period wiJI be deemed 10 be reasonable for purpoecs of this paragraph. TIle notice of acceleration and opportunity to cure given to Borrower pul'9UlU1t to Section 22 and the notice of acceleration given to Borrower pursuant to SectioA 18 sball be dccmcd to Ratillfy the notice and opportunity to take corrective action provisioWl of this Section 20. 21. HazatdoUI Rabltaoft5. k. used in this Section 21: (a) ~H8QU"dous Sub:tl8DCClI" arc _those substanc::al defined as toxic or hazardous substwu.:cs, pollubmL, or walltelI hy Environmental Law and the followine substances: gasoliAe. kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatilo solvcms, matc:rialM containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means fcdera.Ilaws and laws oftbejurisdictiou where the Property is located tbac relate: lo health. ufety 01' environmcctal protection; (c) "Environmcnbll acanup~ inchub any response action, remedial action,. or removalllClitm, 8Il defined in Environmental LaW; and (d) an 'lEavitonmmtal C.onditioo" melWS a condilinn that can cause, contribute to, or otbetwise lrigger an Environmental Cleanup. ,."UIIlI "'1;f/J. .. . rod '... .C. :"-.. ..~..~.. . ."... .. 000B057697 ClD\;SCPAllggUI h"" 3031 3'" 800.1647,AGE .214 Borrower shallllOt cause or permit the presence, use, dilposal, storqlCt Of rclcuc of any Hazardous Substancc:s. or threaten to rcleue any Hazardous Substances, on or in Lhe Property. Borrower .hall not do, nor allow anyone ebe to do, anytbiog afl'ecling the Property (a) that iM in violation of my Envirumncntal Law, (b) which creata: an EovironmcnlJll Condition, or (e) whi~ due to the presence, use, or releuc: <!(. Hazardous Substance. crcal.ca a condition that advcne1y affr.crs the value of the Property. The pn=cedmg two sentCllCC8 shall not apply to the prcsencc. use., or storage on the Proptrty of sma11 quantities of HazArdous Substancal that are generally recognized to be appropriate to normal residential uses and to maintClllUlCC or the 'Property (including, but not limited to. hazardous "tl)st.......... in COI1$UDlU products). Borrower ahaIl promptly gi\'e Lend<< written notice Of (a) any in~on. daim. demand. lawswt or otha action by any aovemmmtal or regulatory agcucy or plivate party involving the Property and any Hazardous SubscaDcc oc Emironmcntal Law of which BomJWCr hu actua1 lmowtcdb'C, (b) any BDvironmenta1 Condition, iac1udiog bul nut limited to, any spilling. leaking, discharge, re1cue or threat of rel.... of any Hazardous Subolancc, on<! (e) any condition caused by tho presence, use or _ of. Hazardous Substance which advencly aff'tlcu the value of the Propa1y, If Borrower learns. or is ootified byauy gtJva'llmmtal or rcguJatOlf authority, or any private party, that III)" removal or other remediation of any Hazardous Subotaou _MC tho Property ;,.........-y, Borr...... sball JIl'OIDPlIy take oll_y remedial dam in accordanee with Environmental Law. Nothing herein sbaU cn::ate any obligaliou on Lernk:r fur on Enviromnenlll1 Cleanup. NON.UNlFORM COVENANTS. Borrower and Lender further covenant and agree 18 followtl: 21. Aceel...tloa.; Remedies. Leader shaI1Cive ootice to Borm'fm' prior fA acceleration foll.winC Borrower'l breacJ1 of auy eo\'eDlJlt or aaret..eat i. thil Sec.urity Iutruaamt (but Dot prior to ._entlon lUlder S<CCion 18 ani.. AppllClIble Law provIdet otherwIte). Lender .bU notify BOrroMf of, amoDR otllcr tbiop: (a) tile default; (b) tbe aedoa nqldred to tare tke defn.lt; (c:) "heD tile default Nut be cured; and (d) that f.U.... to eure the default .1 lpedfltd ...y muJt fa a<<eleration of the lumA HC1Ired by tbl, Sefurity lDstrumeat, forcelolW'c by judicial proeeediu.a and we of tke Pmperty. Lader shAU further Info... Borrower of the rigllt to rebutate aCler acceleration aad the rilbt to aaert in tU foredollll'c proecediug the .oD~d.teace uf , default or any other defeDlle or Borrower to acceleratlo1l and forcclosare. If tbe der.ult is not cured as tpedfted, Leader at Its aption ID'Y require lramedlate payment la rull of ,II ...., IClCW'eCl by tIdI Security lDJtnua:eat without furtMr deJulld aad may foreclose tbb Security r....rumeat by JadldaJ proceeding. Leader' sbaU be .tiaed to collect aU expellRl inmrred III pUl'ltliag the remedies pnmded III tb1s SeedOD 12, iDdudtnc, btrt DOt limited to, aUumeyll fees aad coetl of UOe nldenft to the extent permitted by AppUc:.ble Law, 23. Release:, Upon pa)'11lCflt of aU sums secured by this Security IwlCl'wucut, this SecW'ily Imlrumcnt and the estate conveyed. nil terminate and become void. After such OCCurta:lCC, Lender llhall diHchargc and satisfy thitc Security InatnurlclDt. Borrower shall pay any n:cordation co.<d:tc. I..ender may charge Borrower. roc for releasing tbis Sceurity InItnIment, but ooly if the fee il'l fJlid to . third party for services tendered amd Ihc charging oftbc fee is pennitted under Applicable L.w. 24. Waivers. Borrower, to the aJttonl pcrmiucd by Applicable Law, waives and releases any error or defects in proceedings to erdOtcc this Sec:wity lnatrument, and bctc:by waives the benefit of any present or future laws providing for stay of execution., extension of time, exemption from attachment, levy and sale, and homestead exemption. 15. R.efutatemea.t PaiocL Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commcncc:mcnt of hiddine ar .ll .sheriff s sale or other sale pursuant Co this Sccw-ity InatrurrleI3t. 26. Pun:hatc Mouey Mortc:.ge. If any of the deb! secured by this Security Instrument is lent to 8orrower to acquire title to the Property, this Security lnstnuuem shall ~ a purchase money morlgage. 27. Interest Rate After Juda:ment. &trower agrees that 'the interest rate payable anee "judgment iH entered on dtc Nolc or in an action of mortpse foreclosure shall be the ralc payable Crom time tn time under' the Note. ,".14011' .~~ 0008057697 CCIlL.IIPA) It.12t Fa"" ;JU, 1/18 ~;'" <: 800<<1647,AGE .215 UY SIGNING BRJ nw, fJorrow<< aocepts and agrees to lhc tcnnll and covenants contlinod in this Security Il1lltnunent and in any riclc:r(s) executed by Borrower and recorded witb it. Witnesses: J~"rJ /40..u 4.:.r ,y. ./ /fi...y E X (!lcaI) -Bunvwosr ?!:: t~~47f _ (Seal) ~AnfT(l"".r (ScaI) .BarTOW<< (ScaI) .Borrower (Seal) - (Seal) .Borrower (Seal) .Dorrower (ScaI) -Dotrow.r 0008057697 ~'IPAI CHUI '_..lI.fll Flinn JDJ' 3199 80011647 r4Gt .216 Certificate of keRideoce t, Marge Bilinski . do hecebycertify ,!la, thecorrectaddr....fthewilhin-namcdMcngageeis 2270 Erin Court POBox 7628 Lancaster, PA 17604-7628 Wi..... my ban<! this 'a..~~ day of OC-~~ % (1lrJ.rptJf- f.1c~ -'3cnlnfMortppc COMMONWEALTH OF PENNSYI.v iU\'IA, (um 'o.>J.ClMJ COllJlty so, On obis, the ~!.wk day of ~ ,~ ,boforeme, the undersigned officer, per&Onallyapptarcd 'J ; m~J ~. <'-4><. · R.ho='o. It. Co.. \.J.wn known to me (or satisfactO<Uy proven) to be the pcnoo(s) whose namc(.) iolstc subscribed to the within WstnlDlCDl and ackoowicclgod dun helsho'thcy ..",..cd the oarnc for the p_ hcreW contained. IN WITNESS WHBREOF, I hereunto set my hand and official seal. My Commission Expires: ~ cXY11Jm~J rOURIAL lEAl B11l'I L 1DIII!!d!!!!.I\'I. ,UBlIC CIl'I Of CNUU...........O CO" PI lIT BPIIlE1 IIlIlUSlll 1003 l'idcofOfli<<r _'IPAIlUUI ,,,.11"18 000B057697 .,,;'~. F._ 30" "" SDod647,IGt .217 Legal Desctiption ALL THAT CERTAIN piece of vround with improvements thereon erected aituate partlr in Middlesex Township and partly in Silver Spring Township, Cumbetland County, Pennsylvania, bounded and described in accordance with a certain Final Subdivision Plan for Scott A. Diven by C.W. Junkins Associates, rnc.. dated July 18, 1986, as revised September 29. 1986, consistinq of one page. a copy of which was recorded on Novemper 18, 1986 at the Office of the Recorder at Deeds in and for Cumberland County. Pennsylvania, in Plan Book 51 at Page 106. .nd is incorporated herein by reference. as follows. to wit: BEGtNNIRO at an ir~n pin set in a 25 feet wide private right-af-way and in common with lands now or fo~erly of Robert S~nday, Lot No.1 and Lot No.2 of the aforementioned subdivision plan. and lands now or formerly of E.L. Sunday; thence by lands now or focmerly of E.L. Sunday, South 33 daq~ees 01 minute 30 aeconda East 72.70 feet to .n iron pin set on the westerly riqht- ot-way line;of Appalachian Driv~ (T-573): thence ~rossin9 the dedioated 50 feet wide right-at-way and roadway of Appalachian Drive (T-S1~), and the Hiddlesex-Silver Spring Township'line, South 33 degre.s 01 minute 30 seconds East 55.84 feet to an iron pin set on the easterly right-of-way line of said Appalachian Drive at line of lands now or formerly of Stephen Sunday; thence by lands now or fa~merly of stephen Sunday, South 33 degrees 01 minute 30 seconds Ea~t 102.50 feet to an iron pin set at line of lands now or formerly of Roland o. Fentonj thenoe by lands now or formerly of Roland D. Fenton. SQuth 52 degrees OS minutes SO seconds Mest 135.00 feet to an iron pin set at the northeriy side of the right-of-way of the Pennsylvani5 Turnpike; Interstate 76; thence by said right-af-way line of the Pennsylvania Turnpike, North 60 de9r... 29 minutes 50 aeconds West 42.16 feet to an iron pin set at tbe easterly right-of-way line of Ap~alach1an Drive (T-573); thence ero..ing the dedicated 50 feet wide right of way and roadwa, of said Appalachian Drive, and the Silver Spring- Hiddle.ex Township line, North 60 degrees 29 minutes 50 seconds West 50.01 feet to an iron ~in set on the westerly right-ot-way line of Appalachia~ Drive (T~573); thence eontinuing by the northerly sid~ of the right-af-way line of the Pennsylvania Turnpike, North 60 degrees 29 minutes SO seconds West 322.18 feet to an iron pipe at line of lands now or formerlt of Fred L. Wilson; thence by lands now or formetly of Fred L. Wilson. North 35 degrees 18 minutes East 100;00 feet to an iron pin set at the dividing line between Lot No. 1 and Lot No. 2 of aforesaid subdivision plan; thence alonq the dividing line between said Lot No. 1 and Lot Ko. 2, South 60 degrees 29 minutes 50 seconds East 212.28 feet to an iron pin set in the 2S "feet wide private right- of-way between aforementioned Lot No. 1 and Lot No.2; thence in and along said 25 teet wide private right-af-way. North 45 degrees 55 minutes 45 second8 East 131.35 feet to an iron pin set at line of lands new or formerly of E.L. Sunday, the point and place of BEGlDnING BEINO all of Lot No. 2 ~i the Final Subdivision Plan for Scott A. Diven recorded as afors~atd. ANO BEING improved with a tWD ~tory block dwelling known ~nd numbered as 811\ppalachian Drive. carlislo, Pennsylvania 1701..:3. ..,<c CONTAINING 52,043 sqtlare feet, mo~e or lesA. B0011647rAG[ .218 Rece- MORTGAGE INSURANCE RIDER This Mortpgo lnwr.... Rider is made!hill Z3rd day of October. 2000 . W1d is incorporated into and "hall be deemed w amend and supplement the: Mortgage, Deed uf Trust" or Sccudty Oeed (the "Security ~') of the ..... _ gi_ by the ut1d<nizned ("Borrower") to secure lIorrowcr', FHLMC 30 FRH (identify type of note, It.g. fu.cd 1'lI1.t:] note (the "Note") to M&T Mortgage Corporation ("Leudor") .fthe same dale sod covering the f'rOpetty described in the Security lnstrwnc:S1t lUld located &l.: 81 Appalachian Drive Carlisle. PA 17013 [PropeltyAddressJ 1lu: Security .Instrument is amended by aOding the following at the end of Section 10 (if the Security Instrument bas a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security 1nstrumc:nt ha$ a fOnD date at the lower right comer that Us earlier than 3/99); Mortgage In&urance reimburses Lender (or any entity ll\at purcl1ascs me Note) for tertain lOlSSd it may incur if Borrower does .not repay the Loan as agreed. Borrower is not lil patty to dIe Mortgage 10000000e. Mortpge insurers evaluate their toW risk on all such insurance in force ft(lQl. time to tUne, and mIY CIIter into agcccntents with other ptsrlic:s that Ilharc or modify lhcir riIk. ur reduce lo:JSC8. 'I11e5c agl'canenls are on tcnIIM and conditions that are satisfactory to the mortgage insurer and the otha Jmty (or parties) to these agreements. 'fhes,e agreements may ra:tuire the mortgage in~urer to make payments using MY source of funds thai: tho mortgage insurer may have available (which may iaclbde funds obWw:d frOUl Mortgage lnsuranoe pruniUlll5). Iu a result ur lhOlC agreements, Lender. any purchaser of rhe Note, another insurer, any rciIlllUreJ', any other entity, or any affiliate of loI1y of the toregoing, may receive (directly or indirectly) amounts that derive from (or might be c.haracteriad as) a portion ()f Borrower', payments for Mortgage Insurance., in exchange for l'lharing or modifying the mortgage insurer' fI 0008057697 Mllltilt.t. Mlrt8... ....ranu Ild.,.Sinlll1 FAlmlly-Fllni, Ma. Uniforllll "llnI..lld eDt.,1 fOOO") Form 31 4,. "age 1 "'3 IniU,II: ~ ~/;7 VMl" MORTGAGE fORMS .1800) "7~::r'(.: .'. 6001:1647 PAGE .219 risk, Of reducing l089Cl1. [f such agreement proYldes tbat an affiliate of Lender takes a share of the insurer' s risk in exchange for a share of the premiums paid to the insurer, Ute arrangcmcnl is often tcnned "captive rei.nsUlllDce. If Price: (A) Any audt .CnMlmenu will not affect tbe amounq that Borrower kat agreed to pay for Mortpae lasurall(e, or ..yother term. of Ole LoaD. Such acreemeR" will nut iDcrease the amount Borrowu will owe for Mortgage Insura~l IIId they wfU not euUde BOlTower to any refwad. (8) Any ,ac:b aereements will not affect die rigbtl BorroWll" lw - if ..y . with nlIpec:t to tile Morta:ap lDsuruce under the HOllMOwuerl Proteedcm Act of 199. or any other law, ~ ricJats ....y lndade the richt to receive certaia disclosures, to reqUelt lad obtain can<<lladoa of the Mortgage 1DIura~ to bave the Murtp.g. Inluranee termlnated automaticaOy! aodlor to receive a refuad of uy Mortgage lDIurl.ct premiullll that were unearned at the time or loch ClDcel1.dou or tcnuiutioo. 0008057697 ",111100041 Pag_ 2 013 ',",',~. Farm :uia CIDD . . BOUK 1647 rAGE .220 By Signing below, Borrower accepts this Mortgage lnsuran.ce Rider attd agrees that it amcndH and supplements the Security Imtrumenl.. ~;.~}t;C ~ (Seal) -Bonvwer ~(I~r/77 Rhonda Calderon (Seal) _BottOwet' (Seal) .Ilono_ (Seal) -Bo.:nIwer (Seal) (Seal) -8IKro_r -HoITOWIC1' .____(ScIJl) -BorrnWllI" (Seal) .Borrower 0008057697 _'111100041 P.ate 3 of 3 Fo....._,~.I.~~.,~JIU!..._." ~\~i~ it~..1"\r.;_~"~~' ~,(""~;,.. ~ l~::l.~~' . .;t::';,:...~~. -~~\llXo:l':'.;3..,ii ~'!!~~~\.~'" .jf.[...._~. ,'~'-V~~~:~ ,"". ('. ' ':~:.~~~~~~~~f?~;~~Kii;~~:~;' .;. \'Ij'~ of pennsv'vaOlll1 ~_-.;:::,~ ;.;,Uii;'i;" .~);~ .~~,,...:{t-~.., . ':. , . , < '(-'r~",..;, "'. .:....'" }-~' '1" "i:: . ~', ,.........:....:~:~~~'}~~~~:<'f,..... ,- 'Jm- ,:'~ ., ,." '1.." .C'-,<(t1"9ofOe~s;;;({~~if;e.'~~> ~. . _ _ ....~':I.;.,c.r;;::~"... , ."". ~~~'U~~p~~ ..', 'i. !!fhl$ "W h.. t of affi 00 CiJr e, PA this_ dllY 1 . _ Bood647 rMll .221 EXHIBIT At -. ,.' Co 73t./i./JIB -, NOTE October 23. 2000 [0""1 Carl1sle [CIlyI 81 Appalachian Drive Carlisle. PA 17013 (PropmyAcldftuJ PennsylvOf\i. . [SlIM,] I. BORROWER'S PROMISE TO PAY In retum for. loan thot I have _vel. I pco.... to I"'y U.s. $ 120.000.00 (tIW amounl is callcd "principal"), pI... -. to lb. ordoc of lb. I.cndoc. Tho!.olld<< isH&T Mortgage corporation . I undor.l...d lhal tho I.cndoc may lrwier tIW Not.. Tho I.cndoc or _ _ takes thio Nolo by ......fer aod wIto i. entided to r=oiv. poymonlo _ tIW Note is caI1cd tho "NolO Holder." 1.INTI!IlJ!l!iT In....... will be cbarBed 0ll1lOpoid prin<:ipol Ulllil tho fWI amount of prio<:ipal Ju.s bees> paid. I will pay lntoroot at . yearly _of 8.250 %. Tho ......"" rate ""lUired by thio Section 2 .. tho _ I will pay both before aod _ 1II1Y default ckacribed in Scdion 6(8) ofthioNoto. 3. PAYMENTS (A) TIme .... PIa.:e of"~ I will pay principol aod io_ by lllIIlcing 1"')'JII"llQ overy month. I will ""'"' my mootbly poymcn.. on tho 1st day of ooch _ bcginniog on December 1 , 2000 . I will ~.. pa)'lIIOIIIB fNfICy _ until I have paid aU of tho priDcipaI aod "'- aod 1II1Y othoc cborgoo d..aibed bolow lhal I may .... _ tIW N.... My 1IIllI1!b1y paymooCI will be oppIlcd to io_ before prio<:ipal. If. on November 1. 2030 ,lstillowe_uodcrtbisNote, Iwlllpaythoso_iofu1loatbatdAto, which is called the "Maturity Date. M lwilImabomymoothlYpaymonllat 2270 Erin Court. PO Bo" 7628, Lancaster. PA 17604-7628 ... .., diff...... placo if ""lUired by tho Nolo Holder. (B) AlaOlUlt of iIloalllly ..y....... Mymoalldypa_willbeiotho_ofU.S. S 901.52 4. BORROWER'S RIGHT TO PllEPAY I have tho right to ""'"' payna,lB of prio<:ipal at any limo boforo lhcy II'C due. A paymeIll of prlncipaI only is known IS , "prepayment. .. Whea 1"",", . propoymon4 I will tdltho N... Hold.c io wrili"ll tbat I un cloioa so. I may maIa:. fu1Ipropo_... partial__ widwut payiJlg any__ cbargo. Tho Not. Holder will..., ,u of my pupaymon.. to ceduco tho ...... or princlpollhall owe ODder this Noto. If I make, partialprcpayment. lhorc will be no clwlges in the due date Ol" in the amount of my D1O!lth1y paymem unkts the Note Holder agroes in writing to tbo6e c:harJ.gos. S. LOAN CJlARGm; If a law, which lIpplies to this 10m ad which sets maximum loan cbaraa, is finally interpreted. 80 that the interest or _ 1011I1 cbargos colloctcd oc to be collcctod in _ wilb thio 1011I1 ",,<ecd tho permilled limits, Ibon: (i) any aucl1loan cI1argc ,hall be coducod by tho _ """'""Y to _ tho _go to the p<rI!litted Unlit; ODd (ii) _..... aItoady ""n..led from me wbich c<cecded permitted limita win be refunded to .... Tho Note Hold.c m&y clwooe to malo: thio refund by reducing tho princlpoll """ under this Nolo... by makins' _ paymont to.... If, _ red.... prio<:ipal. tho ,_on wm be _ IS . partial pcepa}'lDCOl. 6. BORROWER'S FAILURE TO PAY AS REQVlRED (A) Lite CIwxe f.r Oftrdue Paymoats If tit. Nolo Holder has not rec:oivod tho fu1I """WIt of any moathly _ by tho ODd of 15 calendar dal" _ tho dale it is w... I will pay . !ale _go to 1bo Note Hold<<. Tho amoual of 1bo charge will be 5.000 % of my ovenluo payment of principal "'" inletoat. I win pay thio lito cbarg. promptly but ooly ""'" Oft ...,h laIe payment. (B) Def..lt If I do not pay the lUll amouot of each moathly l"'yolOQt 00 tho dale it i, doc. I w,ill be In doflluIt. IIULl1ITAn FIXEG UTI! lOTI. sm,. Family - FliUA,FltlUC U"'nw Ian..., ... _'1 1I1DII u F... naD 12113 ~. AIlI..lIed &'11 'M....OIn......FGIIIIlI.-I8QQI\U..J~ F/I .....1.'2 ~c..C.~' \ (C) NoIioe or u.roult Ir I_ in dd'ault. the Nolo Holder may send me 0 written nod.. teIlin& me tbal if' do not p&y the overdue IlllOWlt by . c;erWn _ the Nolo Holder may require me to pay immediately the lWI ....... or priocipol which has oot b.... paid and .u the inta'c&t that I owe on that"IlDOUQL That date must be at least ]() days after the date on which the notice is aetivcred or mailel1 to me. (D) No WaI......,.. No"_ Even i( II: a time whm I am in dofault. the Note Holder does not NqUin) me to pay ii'ltftUllriitIfP.ly in full as dcscn'bcd above, 1hc Nolo Holder will stlIl hi.. the right to do .. in 1m i.o deflmJt at a later limo. (E) Pa)'llMllt.r 1'1."_'0 C_1Rd \!speIlIoI Ir 1hc Noto Holder .... ""!"in:d me to p&y iIllmediatdy ill filii.. dos<n'bed obovo. the Note Holda will baY< the right\\) be poid bod< by me fur all .r i1B -. aocI_ in eaCorc:lo8 this Note to lb. _t not Jll'.bibitc<l by Ipplieabl.law. Thooe ___ illcI1lCIe, fur......,le, rasooabl. attornoy3' recs. 7. GIVING OF NOTICES U..... Ipplieablo Jaw requires . clill'ercm mo:IhocI, any nodce that mu&l be Ii- to mo under this Noto will be Ii- by delivoring it or by lIIlIiling it by first eWa 1IlIi1 to me at the Propaty Addteso above or at . difli:rent aDdt... if I give the Note Hold..- 0 notkeof1ltydifli:rent_ Any notice that must be given to tile Note Holder un4cr tbiJ Note will be givco by mailin, it by first class mail to the Not<> Holclec.. thoaddrels.- in _ 3(A) _ or at .<lilf=Bl_ if I am gi_...,.... oftbat c1iffereol _. 8. OBLIGATIONS Oil' PERSONS UNDER THIS NOTE If more than one penon lip this Note. eadl penon .. fully and peraoII&Ily obIiptc<I to bop.u .f the pt'Ollli4OS made i.o this NOlO, including the pnllIllse to pay 1hc filii _ owed. Any pcnoa who l& . __. surety or eodonor or this Note l& also obIigatecl to do these ~ Any penon who taJres over 0.- 00__ ioohIdiDa tho .bligatiOllS of. S-. surety or _ of this NOlO, l& oho obliptc<l to keep all .f the proml&os IIIIIlIe in this N.te. n,., Note Holder may _ i1B rights under this Note ogainot each pcnoa iodiviclually or &pinst .u .f us togctbor. ThiA ...... \hat any one .r us may be required to pay .u .r the ........ 0_ under dli. N_ 9. WAIVERS I lUIll ..y olba penon who baa obIipd.... 1lD<Icr dU, Not<> woive tile rigI1ts of preoeolllleol oad oolice of di_. "P......lmeOl" _lb. rigbt to ""1m tho Note Holda to dcmoncI paymeat.r........ clue. "Notico .f~' meaos the ri&h1:~ n:qui:re the Note Holder to aiw notice to other penons that amounts duo have not been paid. 10. UNIFORM Sl'.CVIlED NOTE This Note is a uaitOon iDatrument with limited variAtiOlll in some jurisc1i.ctiomI.. In addition to the protcldioDs giVai to the N... _ uoclcr this NOlO, . Mon-. Iloed of Trust or Securily DcecI (the "Seeurily lnatrument"), clatc<I the ..... cl&tc as this Note. ~ 1hc Note Holder &om poMible 1..... wbicl1 might reault if [ do oot keq> the promises which I make in uu. N_ That Soeuri\y __ dereribol bow aM wuIer what conditions' may he required to make inuIl<<ll&to paymeat in lWI of.u .........1._ under this Note. Some oftbeoo eonclirl...... deocribed as fo11<>w", Tnaofer.r lIoel'roperly or . _1._1a iIomJ_. If.u or any pan.r the Properly DC any interest in it is sold or tnmfcrred (or if. benc6c:ia1 inteteJt in Borrower is sold or traasfeacd and Borrower is not a natura.I persoD1 without Leodcr' a prior writteo CODSCat. Leader may. at its optioo. require immediale pa)mOtll in lWI of all ""'" seeurecI by tIlis Soeuri\y ~ However. dUo cption .ball _ he exercioed by Lawlor if ......as. isprolu'bitcd by fecl<<allaw as of1hc cl&tc .rlbis Seeurilyl_ If Lender exercises this optioa. LeDder shaD live Borrower notice of ao::eleration. The notice shall provide . period of not ,... _ 30 days &om the cl&tc the oorlco is delivered or mailecI wUhi.o which Borrower must pay.u ..... _ by this Securily __ If~ faiII to pay _ sums prior to the expiration of Ibis periocI. Looder..y invoke any remedi.. permitlccl by Ibis Security 100_ witheUl ft.uihc:r notice or demaod 00. Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. ~- ~ fi:' dy s ,:Zi,;O_7507 (Seal) (Seal) -Bono_ .8onowe, SSN, SSN: PAYTO TIE CIlOOl OF W1liOUT RECaJRSE TIllS (Seal) .Bomlwu (Seal) .Bono_ SSN: [Sign OrigUuJ Only} llAYlF _..IIIID1UN M&T MOR7C..:.8E CORPORA 19 . ,..,. ,Z80 1%111 --'~'.'_. tf;;E J> ~ Z;:r.r:~ rn~ : '-d'liESiCfNT EXHIBIT B -" . PI.A INTIFF'S A FFTnA VTT IN STJPPORT OF ITS MOTION FOR SIlMM A RV .TTrnc.MF,NT STATE OF ) COUNTY OF ss. ) 1)1 AN A ~bNSO Ii , being duly sworn according to law, deposes and says: I. I am employed in the capacity of J Ic.e. ~(C<; \(~.W T at M&T Mortgage Corporation, mortgage servicing agent for Plaintiff in the within matter. 2. In said capacity, I am familiar with the account that forms the basis of the instant foreclosure action and am authorized to give this Affidavit. 3. I am the custodian of records for the within matter. 4. All proper payments made by Defendant have been credited to Defendant accounts. 5. Defendant's mortgage payments due October 1,2005 and each month thereafter are due and unpaid. 6. The amounts due on the mortgage were correctly stated in the Complaint as follows: Principal Balance $Il4,388.82 Interest $5,016.84 September I, 2005 through March 13, 2006 (Per Diem $25.86) Attorney's Fees $1,225.00 Cumulative Late Charges $502.64 October 23,2000 to March 13,2006 Cost of Suit and Title Search ~';';o 00 Subtotal $121,683.30 Escrow Credit $0.00 Escrow Deficit ~,o'; fit} TOTAL $121,988.99 7. Mortgagor has failed to reinstate the account or offer any reasonable solution to cure the arrears on the past due mortgage payments. 8. Plaintiff provided mortgagor with a Notice of Intention to Foreclose Mortgage, but Defendant did not take the necessary affirmative steps to avoid foreclosure. 9. Plaintiff continues to suffer unjust financial losses as it pays the taxes and insurance on the property as they become due to avoid a tax upset sale and/or loss to its collateral, all of which accrues to the benefit of Defendant and to the severe detriment of Plaintiff. .. 10. Plaintiff properly accelerated its mortgage to protect its interests. AOC-- Name: \)\f\.JA f:).o(oJl'i"oJJ Title: \J I c..c P ((SS I d c=.,J + M&T Mortgage Corporation SWORN TO AND SUBSCRIBED BEFORE ME THIS $~ DAY OF .A/....<,.I ,2006. .;z.~ NOTARY B ~~ ~ 'PJ/u. StaU 0511- ~ ~~"' &"" ~ 1Itf &..,..... ~~. eoLQ. Fl1p. N~mp. :mn NnmhpT" Timmy P. rOY ~nn Rhnnn~ A r::tMpTon Ar.c.clIInt No OOORO,,7f\Q7 EXHIBIT C PHELAN HALLINAN & SCHMIEG, LLP LAWRENCE T. PHELAN, ESQ., Id. No. 32227 FRANCIS S. HALLINAN, ESQ., Id_ No. 62695 ONE PENN CENTER PLAZA, SUITE 1400 PHILADELPHIA,FA 19103 (215) 563.7(l()() M&T MORTGAGE CORPORATION ONE FOUNfAIN PLAZA 7THFLOOR-DEFAULT BUFFALO, NY 14203 ATIORNEY FOR PLAINTIFF Plaintiff COURT OF COMMON PLEAS CNIL DNISION TERM '--.- NO. 6{., - JLlJJ.... (!i u~L 10L~ CUMBERLAND COUNTY v. JIMMY E. COX RHONDA A. CALDERON NKJARHONDAACOX 81 APPALACHIANDRNE CARLISLE, PA 17013 ....., = 0 a; ,., 3: ~ > n,:r! ::;0 -om U,'; ~ :096 -<: ,,- - ~.:.-.'..~; ;-j~ . v (5:0 ~.,- ::r:: ~7CJ N om ~ ~ .Xl co -< 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 SHOUW TAKE TInS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTI{ BELOW. THIS OFFICE CAN PROVIDE YOU wrrn INFORMATION ABOUT HIRING ALA WYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU wrrn INFORMA nON ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Defendants n c: ri~~D ~~,. CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE NOTICE ;fc--"C: z _.J --< LawyerRererralSennce Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 (800)990-9108 File #, 130084 A1JtJIf!Jb_ '":i r :~t:r PI t' "~,.~I::.~,! Co,. :hu , .....,,,. rr .~. """/'.1 ....., ; V Ne heTetJy . I~ithin to be ~::01 ~~n:ect cony Of.... 'n' .! . I'" ...,e QnJa, flIed of rscore! PIt.IlLAN IlALLINAN& SCHMIEG, UP LAWRENCE T. PHELAN, ESQ., Id. No. 32227 FRANCIS S. HALLINAN, ESQ., Id. No. 62695 ONE PENN CENfER PLAZA, SUITE 1400 PHILADELPHIA, PA 19103 (215) 563-7000 M&T MORTGAGE CORPORATION ONE FOUNTAIN PLAZA 7TIl FLOOR - DEFAULT BUFFALO, NY 14203 ATTORNEY FOR PLAINTIFF Plaintiff COURT OF COMMON PLEAS CIVIL DMSION TERM NO. CUMBERLAND COUNTY v. JlMMY E. COX RHONDA A. CALDERON AIKIA RHONDA A COX 81 APPALACHIAN DRIVE CARLISLE, PA 17013 Defendants CIVIL AClJON - LAW COMPLAINT IN 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 TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER, GO TO OR TELEPHONE TIffi OFFICE SET FORTIl BELOW. TIllS OFFICE CAN PROVIDE YOU WITIlINFORMA TlON ABOUT HIRlNG A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, TIllS OFFICE MAY BE ABLE TO PROVIDE YOU WITIlINFORMATlON ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO EUGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 (800)990-9108 File #: 130084 File #: 130084 IF THIS IS THE FlRS'rNOTICE THAT YOU HAVE RECElVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECl'ION PRACl'ICES ACT, 15 U,S,C. ~ 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE V ALlDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN TmRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE V ALlD. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE, THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE TmRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACl'ION WlTmN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFtER YOU HAVE RECEIVED THIS COMPLAINT, HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITmN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (TlIROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU, YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT, IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, TmS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE, . c, I. Plaintiff is M&T MORTGAGE CORPORATION ONE FOUNTAIN PLAZA 7m FLOOR - DEFAULT BUFFALO, NY 14203 2. Thename(s) and last known address(es) of the Defendant(s) are: JIMMY E. COX RHONDA A. CALDERON AfKIA RHONDA A COX 81 APPALACHIAN DRIVE CARLISLE,PA 17013 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 10/23/2000 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter descn'bed to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1647, Page: 203. 4. The premises subject to said mortgage is descn'bed as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/0112005 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File#: 130084 6. The following amounts are due on the mortgage: Principal Balance Interest 09/01/2005 through 03/13/2006 (per Diem $25.86) Attorney's Fees Cumulative Late Charges 10/23/2000 to 03/13/2006 Cost of Suit and Title Search Subtotal $114,388.82 5,016.84 1,225.00 502.64 $ 550.00 $ 121,683.30 Escrow Credit Deficit Subtotal 0.00 305.69 $ 305.69 TOTAL $ 121,988.99 7. The attorney's 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 attorney's fees will be charged. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant( s) haslhave failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or haslhave been denied assistance by the Pennsylvania Housing Finance Agency. 9. 11ris action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of$ 121,988.99, together with interest from 03/13/2006 at the rate of $25.86 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN H~INAN & SCHMIEG, LLP ~-..4~~' By: Is/Franci. S. Hallinan LAWRENCE T. PHELAN, ESQUIRE FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff File N: 13()()84 LEGAL DESCRIPTION ALL that certain piece of ground with improvements thereon erected situate partly in Middlesex Township and partly in Silver Spring T ownsbip, Cumberland County, Pennsylvania, bounded and described in accordance with a certain Final Subdivision Plan for Scott A. Diven by C.W. Junkins Associates,lnc, dated July 18, 1986, as revised September 29, 1986 consisting of one page, a copy of which was recorded on November 18, 1986 at the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 51 at Page 106, and is incorporated herein by reference, as follows, to wit: BEGINNING at an iron pin set in a 25 feet wide private right of way and in conunon with lands now or formerly of Robert Sunday, Lot No. I and Lot No.2 of the aforementioned subdivision plan, and lands now or formerly ofE.L. Sunday; thence by lands now or formerly ofE.L. Sunday, South 33 degrees 01 minute 30 seconds East, 72.70 feet to an iron pin set on the westerly right of way line of Appalachian Drive (I -573); thence crossing the dedicated 50 feet wide right of way and roadway of Appalachian Drive (I-573) and the Middlesex Silver Spring Township line, South 33 degrees 01 minutes 30 seconds East, 55.84 feet to an iron pin set on the easterly right of way line of said Appalachian Drive at line of lands now or formerly of Stephen Sunday; thence by lands now or formerly of Stephen S\U1day, South 33 degrees 01 minutes 30 seconds East, 102.50 feet to an iron pin set at line ofJands now or formerly of Roland D. Fenton; thence by lands now or formerly of Roland D. Fenton, South 52 degrees 05 minutes 50 seconds West, 135.00 feet to an iron pin set at the northerly side ofthe right of way of the Pennsylvania Turnpike, lnterstate 76; thence by said right of way line of the Pennsylvania Turnpike, North 60 degrees 29 minutes 50 seconds West, 42.16 feet to an iron pin set at the easterly right of way line of Appalachian Drive (I -573); thence crossing the dedicated 50 feet wide right of way and roadway of said Appalachian Drive, and the Silver Spring-Middlesex Township line, North 60 degrees 29 minutes 50 seconds West, 50.01 feet to an iron pin set on the westerly right of way line of Appalachian Drive (I-573); thence continuing by the northerly side of the right of way line of the Pennsylvania Turnpike, North 60 degrees 29 minutes 50 seconds West, 322.18 feet to an iron pipe at line ofJands now or formerly of Fred L. Wilson; thence by lands now or formerly of Fred L. Wilson, North 35 degrees 18 minutes East, 100.00 feet to an iron pin set at the dividing line between Lot No. I and Lot No.2 of aforesaid subdivision plan; thence along the dividing line between said Lot No. I and Lot No. 2, Sooth 60 degrees 29 minutes 50 seconds East, 212.28 feet to an iron pin set in the 25 feet wide private right of way between aforementioned Lot No. I and Lot No.2; thence in and along said 25 feet wide private right of way, North 45 degrees 55 minutes 45 seconds East, 137.35 feet to an iron pin set at line ofJands now or formerly ofE.L. Sunday, the point and place of BEGINNING. CONTAINING 52,043 square feet, more or less. BEING all of Lot No.2 on the Final Subdivision Plan for Scott A. Diven recorded as aforesaid. BEING improved with a two story block dwelling known and numbered as 81 Appalachian Drive, Carlisle, Pennsylvania 17013. BEING that same real estate that Scott A. Diven and Robyn A. Diven, husband and wife. by their deed dated July 30, 1991 and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 'P', Volume 35 at Page 1184, conveyed to William E. Maring and Lisa Maring, husband and wife, Grantors herein. File #: 130084 . /~ " VF.RlFlCATION FRANCIS S. HALLINAN, ESQUIRE hereby states that he is attorney for PLAINTIFF in this matter, that Plaintiff is outside the jurisdiction of the court and or the Verification could not be obtained within the time allowed for the filing on the pleading, that he is authorized to make this verification pursuant to Pa. R C. P. 1024 ( c) and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of his knowledge, information and belief. Furthermore, it is counsel's intention to substitute a verification from Plaintiff as soon as it is received by counsel. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to W1Sworn falsification to authorities. ~J~ DATE: ~j!3Jh , ~ FRANCIS S. HALLINAN, ESQUIRE Attorney for Plaintiff EXHIBIT D MARIA P. COGNETII & ASSOCIATES KRISTOPHER T. SMULL, ESQUIRE Attorney LD. No. 69140 210 Grllndview Avenue, Suite 102 CampHill,PA 17011 Telephone No. (717) 909-4060 g s::: (BFR z:..,,~\ z(. ~"-~: r=C ~ ~7.: Q ~ J> .' : IN THE COURT OF COMMON PLEA_ - '1i' : CUMBERLAND COUNTY, PENNS. AlW\ Attorneys for Defendant, Rhonda A. Cox M&T MORTGAGE CORPORATION, Plaintiff v. : NO. 06-1432 CIVIL TERM JIMMY E. COX, RHONDA A. CALDERON AIKIARHONDAA. COX Defendant CIVIL ACTION - LAW ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE AND NOW, comes Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox, by and through her attorney, Kristopher T. Smull, Esquire, and files the following Answer to Complaint in Mortgage Foreclosure, and in support thereof avers as follows: I. Admitted. 2. Admitted in part and denied in part. It is admitted that the address of Defendant, Jimmy E. Cox, is 81 Appalachian Drive, Carlisle, P A 17013. It is denied that Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox resides at said address. By way of further answer, Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox, has not resided at said address since May 2005. 3. Admitted. 4. Admitted. ...... = = 0"0 :x ::0- -< I ex> ~ ~:n :g61 Q6 a3 iSf.i ~ 5. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has no knowledge as to the veracity of the averment. By way of further answer, Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has not resided in the subject property since May 2005 and said property has been in the sole and exclusive possession of Defendant, Jimmy E. Cox, since said time. To the extent that an answer is required, said avennent is denied and strict proof is hereby demanded at the time of trial. 6. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has no knowledge as to the veracity of the averment. By way offurtheranswer,Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, has not resided in the subject property since May 2005 and said property has been in the sole and exclusive possession of Defendant, Jimmy E. Cox, since said time. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. 7. This avennent constitutes a conclusion oflaw to which no answer is required pursuant to the Pennsylvania Rules of Civil Procedure. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. 8. Denied. It is denied that Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, was ever served with a Notice of Intention to Foreclose or Notice of Homeowner's Emergency Assistance Program. Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, hereby avers that she did not become aware of a possible foreclosure action regarding the subject property until she was served with the Complaint in Mortgage Foreclosure on March 31, 2006. 9. This averment constitutes a conclusion oflaw to which no answer is required pursuant to the Pennsylvania Rules of Civil Procedure. To the extent that an answer is required, said averment is denied and strict proof is hereby demanded at the time of trial. WHEREFORE, Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox, respectfully requests that this Honorable Court deny Plaintiff s requested relief. MARIA p, C GNETTI AND ASSOCIATES Date: SIL/fO b By: KJUS LL,ESQUIRE Attorney I.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, PA l701l Telephone No. (717) 909-4060 Attorney for Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox VERIFICATION I, Rhonda A. Cox, hereby verify and state that the facts set forth in the foregoing document are true and correct to the best of my information, knowledge and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. 94904 relating to unsworn verification to authorities. Date: S IL/ / O-t 2?~-/y CERTIFICATE OF SERVICE I, Kristopher T. Smull, Esquire, Attorney for the Defendant, Rhonda A. Calderon a/k/a Rhonda A. Cox herein, do hereby certifY that on this date I served the foregoing Answer by depositing a true and exact copy thereof in the United States mail, first class, postage prepaid, addressed as follows: Francis S. Hallinan, Esquire PHELAN HALLINAN & SCHMIEG, LLP One Penn Center Plaza, Suite 1400 Philadelphia, PA 19103 Jeanne B. Costopoulos, Esquire 3803 Gettysburg Road Camp Hill, PA 17011 Date: 5/9/06 By: :i~:tocrms KRISTOPHER T. SMULL, ESQUIRE AttorneyI.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, P A 17011 Telephone No. (717) 909-4060 Attorney for Rhonda A. Calderon a/k/a Rhonda A. Cox - E)(lllBlrr E lJ S PO'.t:]1 S('r\ ICI' CEmlFl1 () r',lAIL HELl IPT (ODmt'~t{ hf"IIOPit N" n-.Uf,I(J , , , , 'dqt f't/IlI.lt'd! I ,.. r.":-> F ~ ;!f"'i. j fj ~ U "... E I ."......:~,; ,.. ..... (, ... ... ., - . """""".... -...-.... -- (EndonI8menl RecjuIlwdl H... --.... 1-_) Total Po8taoe a Fee. $ TO: II'" ... ::r ACT 91 : m TAKE ACTI(~ c YOUR HOg c IT' FORECLgJ ~ 1;:..NO:;-............................................------..........----n-...1 ~~;...................._.............................._..............--.... DATE: February 8, 2006 Rhonda A. Calderon 8\ Appala.hian Drive Carli.le, PA 17013 THIS FIRM IS A DEBT COLLECTOR ArrEMPTlNG TO COLLECT A DEBT. THIS NOTlCE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMA TlON OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HA VE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE! CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPBRTY. This is an official notice that the mol12a2C on your home is in default and the lender intends to foreclose. Soecilic information aboul the nature of the default is Drovided in the attached oa2es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM CHEMAPl mav be able to helD to save your home. This Notice exolains how the or02ram works. To.ee ifHEMAP can helD. YOU must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS FROM THE DATE OF THIS NOTICE. Take this Notice with YOU when YOU meet the Counselin2 Ae.encv. The name address and ~hone number of Consumer Credit Counscline. A2cncies serving your Counlv are listed at the end of this Notice. If YOU have anv questions. YOU may caU the Pennsvlvania Housin2 Finance A2encv toU free at 1-800-342-2397. (Persons with impaired hearin2 can call (7171780-1869\. This Notice contains important legal information. If you have any question., 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 S.UMA IMPORTANCIA, PUEDE AFECTA SU DERHCHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANDO BSTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SBR ELEGlBLE PARA UN PRESTAMO POR EL PROORAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGB ASSISTANCE PROGRAM" ELCUAL PUEDB SALVAR SU CASA DE LA PERDlDA DEL DERECHO A REDlMAR SU HIPOTECA. -1- ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE DATB. February 8. 2006 TO: Rhonda A, Calderon 81 Appalachian Drive Carlisle, P A 17013 THIS FIRM IS A DEBT COLLECTOR A TIEMPTING TO COLLECf A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECf THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HA VB PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECf A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mortllalle on vour home is in default and the lender intends to foreclose. Soecific infonnation about the nature of the default is orovided in the attached oues. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) mav be able to helo to save vour home. This Notice exolains how the orOlrram works. To see ifHEMAP can helo. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS FROM THE DATE OF THIS NOTICE. Take this Notice with vou when vou meet the Counselinll Allencv. The name. address and ohone nnmber of Consumer Credit Counselinll Allencies semnll vour County are listed at the end of this Notice. Ifvou have anv Questions. vou mav call the Pennsvlvania Housinll Finance Allencv toll free at 1-800-342-2397. (Persons with imoaired hearinll can call (717) 780-18691. This Notice contains important legal infonnation. If you have any questions, representatives at the Consumer Credii 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 NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUEDE AFECfA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMAR SU HIPOTECA. -1- STATEMENTS OF POLICY HOMEOWNER'S NAME (S): Rbonda A. Calderon PROPERTY ADDRESS: 81 Appalachian Drive, Carlisle, P A 17013 LOAN ACCT. NO.: 0008057697 ORIGINAL LENDER: M & T Mortgage Corporation CURRENT LENDER/SERVICER: M & T Mortgage Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGlliLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WlTII TIlE PROVISIONS OF TIlE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (TIlE "ACT''), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE. . IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONlROL, . IF YOU HA VB 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 three (33) days from the date of this Notice. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (33) 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-lfvou meet with one of the consumer credit counseline aeencies listed at the end of this notice the lender rnav NOT take action aealnst vou for thirtv three (33) daYS after the date of this meetine. The names. addresses and teleohone numbers of desienated consumer credit counseline aeencies for the county in which the orooertv is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions and Phelan Hallinan and Schmieg's PHFA department. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in a 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 me 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 pOS1marked 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 DENffiD. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. -2 - NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TIDS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT, f ou have filed bankru tc ou can stiD a I for Emer en Mo a e Assistance, HOW TO CURE YOUR MORTGAGE DEFAULT (Brin~ it uo to date). NATIJRE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at 81 Appalachian Drive, Carlisle, P A 17013 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: StartlEnd: 1011105 thru 211106 at 3 @ 51,209.47, 2 @ 51,183.39 per month. Monthly Payments Plus Late Charges Accrued $6,497.83 NSF: $0.00 Inspections: $0.00 Other: $84.00 (Fees) Escrow: $0.00 (Suspense): $0.00 Total amount to cure default 56,581.83 · See paragraph helow headed "HOW TO CURE THE DEFAULT" * HOW TO CURE THE DEF AUL T -You may cure the default within THIRTY THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 56,581.83, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY THREE (33) DAY PERIOD. As of the date oflhis letter, you owe the amouni specified above. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day that you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you before depositing the check for collection. For further information, write the undersigned or call (215) 563-7000 and ask for the Reinstatement Department Pavrnents must be made either bv cash. cashier's check. certified cbeck or monev order made oavable and sent to: PHELAN HALLINAN & SCHMIEG, LLP, Suite 1400, One Penn Center, 1617 JFKBoulevard, Philadelphia, PA 19103-1814, Attn: Reinstatement Department. You can cure any other default by taking the following action within THIRTY THREE (33) DAYS of the date oflhis letter. IF YOU DO NOT CURE THE DEFAULT -If you do not cure the default within THIRTY THREE (33) DAYS of the date of this Notice, the lender intends to exercise its ri~hts to acceleraie the mortgage debt. The means that the entire outstanding balance oflhis debi will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If fuD payment of the total amount past due is not made within THIRTY THREE (33) DAYS, the lender also intends to instruct its attorney to start legal action to foreclosure uoon vour mortgage orooertv. -3- IF THE MORTGAGE IS FORECLOSED UPON- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings againsi you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount to the lender, which may also include other reasonable costs. Ifvou cure the default within the lHIRTY THREE (33) DAY Deriod. vou will not be reauired to Dav 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 THREE (33) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default and Drevent the sale at anv time no to one hour before the Sheriff's Sale. You mav do so bv Daving the total amount then Dast due. DIllS anv late or other charges then due. reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as sDecified in writing bv the lender and bv Derfonning anv other reauirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSffiLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: PHELAN HALLINAN & SCHMIEG, LLP Suite 1400 One Penn Center 1617 JFKBoulevard Philadelphia, PA 19103-1814 (215) 563-7000 Attention: Reiustatement Department EFFECT OF SHERIFF'S SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You may sell or transfer your home to a buyer or transferee who will assume ihe mortgage debt, provided that all the outstanding payments, charge and attorney's fees and cost are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITlJfION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HA VB THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HA VB TO SUCH ACTION BY THE LENDER . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATIACHED -4- If this Is the first notice that you have received from this office, be advised that: Yon may dispnte the validity of the debt or any portion thereof, If yon do so In writing within thirty (30) days from receipt of this letter, this firm will obtain and provide yon with written verification thereof; otherwise the debt will be assnmed to be valid, Likewise If requested within thirty (30) days from receipt of this letter, the firm will send you the name and address of the original creditor if different from above, Very truly yours, PHELAN HALLINAN & SCHMIEG, LLP LL: jap Cc: M & T Mortgage Corporation Attn: Mika Jackson Account No.: 0008057697 Mailed by I" Class mail and by certified Mail No: 7005 0390 0005 6137 9489 -5- EXHIBIT F IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA M&T Mortgage Corporation ) ) CIVIL ACTION Plaintiff ) NO. 06-1432 CIVIL TERM ) vs. ) TYPE OF PLEADING: Jimmy E. Cox ) Notice of Judgment Rhonda A, Calderon to Defendants AlK/A Rhonda A, Cox ) Mortgage Foreclosure Defendants ) Code and Classification 140 Civil Action Filed on behalf of Plaintiff Counsel of Record for this Party: FRANCIS S. HALLINAN, ESQ. - P A LD. #62695 PHELAN HALLINAN & SCHMIEG, LLP Suite 1400 One Penn Center at Suburban Station Philadelphia, PA 19103 Firm LD. #23-2301814 . . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA M&T Mortgage Corporation ) CIVIL ACTION - LAW ) NO, 06-1432 CML TERM Plaintiff vs. Jimmy E. Cox Rhonda A. Calderon AIKIA Rhonda A, Cox Defendants ) ) Notice of Entrv of Jud2lllent in Accordance with Pa. R.C,P,. Rule 236 Notice is given that a Judgment in the above-captioned matter has been entered against Jimmy E. Cox on By: DEPUTY If you have any questions concerning this matter, please contact: FRANCIS S. HALLINAN. ESOUIRE Attorney for Party Filing One Penn Center at Suburban Station, Suite 1400 Philadelphia, PA 19103 (215) 563-7000 THIS FIRM IS A DEBT COLLECTOR ATIEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HA VE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN A TIEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff ) ) CML ACTION ) NO, 06-1432 CIVIL TERM ) TYPE OF PLEADING: ) Praecipe For Judgment For ) Failure To Answer And Assessment Of Damages M&T Mortgage Corporation vs. Jimmy E, Cox Rhonda A. Calderon AIKIA Rhonda A, Cox Defendants ) Mortgage Foreclosure ) Code and Classification 40 Civil Action Filed on behalf of Plaintiff PREMISES: 81 Appalachian Drive Carlisle, PA 17013 Counsel of Record for this Party: FRANCIS S. HALLINAN, ESQ. - PA 1.0.#62695 PHELAN HALLINAN & SCHMIEG, LLP Suite 1400 One Penn Center at Suburban Station Philadelphia, PA 19103 Firm 1.0. #23-2301814 . , PHELAN HALLINAN & SCHMIEG, LLP By: FRANCIS S. HALLINAN, ESQ. Identification No. 62695 One Penn Center at Suburban Station - Suite 1400 Philadelphia, P A 19103 (215) 563-7000 Attorney for Plaintiff M&T Mortgage Corporation : CUMBERLAND COUNTY : COURT OF COMMON PLEAS vs, : CIVIL DMSION Jimmy E, Cox 81 Appalachian Drive Carlisle, PA 17013 : NO, 06-1432 CIVIL TERM Rhonda A, Calderon AlK/A Rhonda A, Cox 12750 Equestrian Circle #3008 Ft Myers, FL 33097 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against Defendant Jimmv E, Cox, only, for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: Judgment is entered in favor of Plaintiff and against Defendant, Jimmy E. Cox, for $121,988.99 plus interest from March 13, 2006 at the rate of $25.86 per diem and other costs and charges collectible under the mortgage. I hereby certify that (I) the addresses of the Plaintiff and Defendants are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. F ~ t1af.u.1 FRANCIS S. HALLINAN, ESQUIRE Attorney for Plaintiff DATE: PRO PROTHONOTARY .. . PHELAN HALLINAN & SCHMIEG, LLP By: FRANCIS S. HALLINAN, ESQ. Identification No. 62695 Suite 1400 One Penn Center at Suburban Station Philadelphia, P A 19103 (215) 563-7000 A TIORNEY FOR PLAINTIFF M&T Mortgage Corporation : CUMBERLAND COUNTY : COURT OF COMMON PLEAS : CML DIVISION vs. : NO, 06-1432 CIVIL TERM Jimmy E. Cox Rhonda A. Calderon A!K/A Rhonda A, Cox VERIFICATION OF NON-MILITARY SERVICE FRANCIS S. HALLINAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) that defendant Jimmy E, Cox is over 18 years of age and resides at 81 Appalachian Drive, Carlisle, PA 17013, This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. F~ /~ FRANCIS S. HALLINAN, ESQUIRE . SHERIFF I S RE'l'URN \,-- REGULAR CASE NO: 2006-01432 P ;.. j COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M&T MORTGAGE CORPORATION VS COX JIMMY E ET AL RONALD HOOVER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon COX JIMMY E the DEFENDANT , at 2046:00 HOURS, on the 20th day of March , 2006 at 81 APPALACHIAN DRIVE CARLISLE, PA 17013 by handing to JIMMY COX a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 4.40 .00 10.00 .00 32.40 :pP~~n:.~<~ R. Thomas Kline 03/21/2006 PHELAN HALLINAN SCHMIEG day of By: ~D// Deputy Sheriff Sworn and Subscribed to before me this A.D. Prothonotary . v~ # I ... PHELAN HALLINAN & SCHMiEG, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Fl3IlCis S. }l.llinan. Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Phi1adelphia, P A 19103 (' 1~) ~lil_7OOO ATIORNEY FOR PLAINTIFF M&T MORTGAGE CORPORATION Plaintiff : COURT OF COMMON PLEAS : CIVIL DMSION Vs. : CUMBERLAND COUNTY JIMMY E. COX RHONDA A. CALDERON NKIA RHONDA A. COX Defendants : NO. 06-1432- CIVIL TERM TO: JIMMY E. COX 81 APPALACIDAN DRIVE CARLISLE,PA 17013 DATE OF NOTICE: APRil. 21. 2006 TIllS FIRM IS A DEBT COLLECfOR ATIEMPTING TO COLLECf A DEBT. TIllS NOTICE IS SENT TO YOU IN AN ATIEMPT TO COLLECf TIIE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR TIfAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, TIllS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONS1RUED TO BE AN ATIEMPT TO COLLECf A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRI1TEN APPEARANCE PERSONALLY OR BY A TIORNEY AND FILE IN WRITING WITH TIIE COURT YOUR DEFENSES OR OBJECfIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACf WITIIIN TEN DAYS FROM THE DATE OF TIlls NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU wrrnoUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. TIllS 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 TIfAT MAY OFFER LEGAL SERVICES TO EUGmLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUIH BEDFORD STREET CARLISLE, PA 17013 (800)990-9108 ~~ FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff r ~ ~ , Req\l&st for Military Status Page I of2 . Department of Defense Manpower Data Center .. Military Status Report .. Pursuant to the Servicemembers Civil Relief Act JUN-15-200608:30:20 -< Last Name FirstlMiddle Begin Date I Active Duty Status I Servicel Agency COX Jimmy Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. t2w~u--~ Robert J. Brandewie, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. ~~ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otheIWise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: bJtp:!LwWW.defenselinkmilifaq/pisli'C09SL!2R.htrnl WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https:llwww.dmdc.osd.mil/scralowalscra.prc_Select 6/1512006 r .. ~ _ R~qqest for Military Status . Page 2 of2 by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:HFDILUTZEH https://www.dmdc.osd.mil/scralowalscra.prc _Select 6/15/2006 ,..- . ~ . " ", I.' '" VFRTFICATTON Jenine R. Davey, Esquire, hereby states that he is the attorney for Plaintiff in this action, that he is authorized to make this verification, and that the statements made in the foregoing Motion for Summary Judgment and Brief are true and correct to the best of her knowledge, information, and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Date ~ c) r-- ,,--) :'\"1 ,-1 r fli r".,:O CJ _~H\ r<J en -'- MARIA p, COGNETTI & ASSOCIATES KRISTOPHER T. SMULL, ESQUIRE Attorney J.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 Telephone No. (717) 909-4060 Attorneys for Defendant, Rhonda A. Cox M&T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-1432 CIVIL TERM JIMMY E. COX, RHONDA A. CALDERON NKJARHONDAA. COX Defendant CIVIL ACTION - LAW ANSWER TO MOTION FOR SUMMARY JUDGEMENT AND NOW, comes Defendant, Rhonda A. Calderon alk!a Rhonda A. Cox, by and through her attorney, Kristopher T. Smull, Esquire, and files the following Answer to Motion for Summary Judgement and in support thereof avers as follows: 1. Denied. Defendant, Rhonda A. Calderon alk!a Rhonda A. Cox averred in her Answer to Plaintiffs Complaint in Foreclosure that she was not aware of whether the mortgage pa)IDents had been made as she resides at a different address and was never notified of any missed pa)IDents. In addition, Defendant, Rhonda A. Calderon alk!a Rhonda A. Cox, averred that she was never served with a Notice of Intention to Foreclose or Notice of Homeowner's Emergency Assistance Program. 2. No answer is required pursuant to the Pennsylvania Rules of Civil Procedure. 3. Admitted. 4. Admitted and denied. It is admitted that Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, filed an Answer to the Complaint. It is denied that she effectively admitted all of the allegations of the Complaint. 5. Denied. Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, did not generally deny paragraphs five and six of the Complaint. Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, stated that she had no knowledge as to the veracity of the averment and, by way of further answer averred that she had not resided in the subject property since May 2005 and that said property had been in the sole and exclusive possession of Defendant, Jimmy E. Cox, since said time. 6. Denied. As stated above, Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, presented numerous facts that contradicted the averments of Plaintiffs Complaint. 7. Admitted. 8. Admitted. 9. Admitted. 10. Denied. Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, was never served with said attached letter and no proof of service has been provided. 11. Denied. Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, was never served with said attached letter and no proof of service has been provided. 12. Denied. Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox, does not agree that said fees are reasonable. 13. Admitted. WHEREFORE, Defendant, Rhonda A. Calderon a/kIa Rhonda A. Cox, respectfully requests that this Honorable Court deny Plaintiffs requested relief. MARIA p, COGNETTI AND ASSOCIATES Date: 1\ zvr 06 By: )lJI~ KRISTOPHER T. SMULL, ESQUIRE Attorneyl.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, P A 17011 Telephone No. (717) 909-4060 Attorney for Defendant, Rhonda A. Calderon a/kIa Rhonda A. Cox VERIFICATION I, Rhonda A. Cox, hereby verify and state that the facts set forth in the foregoing document are true and correct to the best of my information, knowledge and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. 94904 relating to unsworn verification to authorities. Date: 7)1-010 (, ~~~~ Rhonda A. Co CERTIFICATE OF SERVICE I, Kristopher T. Smull, Esquire, Attorney for the Defendant, Rhonda A. Calderon aIkIa Rhonda A. Cox herein, do hereby certify that on this date I served the foregoing Answer by depositing a true and exact copy thereof in the United States mail, first class, postage prepaid, addressed as follows: Jenine R. Davey, Esquire PHELAN HALLINAN & SCHMIEG, LLP One Penn Center Plaza, Suite 1400 Philadelphia, PA 19103 Jeanne B. Costopoulos, Esquire 3803 Gettysburg Road Camp Hill, PA 17011 MARIA p, COGNETTI & ASSOCIATES Date: 1 \'20 \0 ~ By: STOPHER T, SMULL, ESQUIRE AttorneyI.D. No. 69140 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 Telephone No. (717) 909-4060 Attorney for Rhonda A. Calderon aIkIa Rhonda A. Cox ,) --(\ .-1 "-I~ >"- f-",:~ - ,"j t.,,> f",) f'-":- ----- PHELAN HALLINAN & SCHMIEG, LLP BY: SHEETAL R. SHAH-JANI, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY ID. NO.: 81760 ONE PENN CENTER AT SUBURBAN STATION 1617 J.F.K. BLVD. - SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 M&T Mortgage Corporation One Fountain Plaza : Court of Common Pleas 7th Floor - Default Buffalo, NY 14203 : Civil Division Plaintiff vs. : Cwnberland County Jimmy E. Cox : No. 06-1432 CIVIL TERM Rhonda A. Calderon NKJ A Rhonda Cox 81 Appalachian Drive Carlisle, PA 17013 Defendant PRAECIPE TO ATTACH EXHIBITS TO MOTION FOR SUMMARY JUDGMENT To the Prothonotary: Please attach the following Exhibits to Plaintiffs Motion for Summary Judgment: I. ExhibitEI: "Unclaimed envelope" containing Plaintiffs Act 6/Act 91 Notice. ~/t~fYo Date . ' E)(1llBlrr El ".pll;: .JW'; O~~ ..Q, -'61 ...; " ~~ 1..1 ~I , I 11 i DODD, ~ ... I , r I I zZ:'-z I; .. CQc=lco t.. : z....tnrnc , <, I :'CCI:"'TI I i,.,~(;,. rl : r 1 li~ ! . E:l -~5!1. :; I -;- "'1I:ac; , =, ~'"Z ~L != i I~D I ~ \1 rn. ~~ .\ :-.J, -, '. i. . , ::- . .~- , - - :5 ~; I \J I / I i I 1 " ("Joe", e: -5" [~ g. .c' 1l > ~ ~ . >::r() :j j' ~ SO~ w.,o -'0 ri o cnC":l> ~ '" i; ": ~!i. ="[!Ij ~.;l "Cl ~i~ = (") .. t"l ; ~ ~ ~ :2 > e -l CI> "'i ~~ ~ CI> -l ~ ~ -..J l:I l:I l.n l:I W ..JI l:I l:I l:I l:I l.n If" !,-' w -..J ..JI .r .", ..JI II ;: 00 ~ool'... l>g'" ~..,. U~ lij) ~ "i19 !llI ~ ~~ ;II~I ~~ia -'.....- J o <;;; "'" -0\:--;'; rnf\ '-7 ,r,: ~ 7t.\- <n.... ~t.: Je;.Ci "bt.--; YG ~ ~ ~ ~ c;.. G" N "" o -n ~..,., {'nF -rJt:r; ~;:1\" ~21 ,~~~. ~:,~--"n o .c') 6ff1 ~ ~ ~ ~ "" - .. PHELAN HALLINAN & SCHMIEG, LLP BY: SHEETAL R. SHAH-JANI, ESQUIRE ATTORNEY FOR PLAINTIFF ATTORNEY ID. NO.: 81760 ONE PENN CENTER AT SUBURBAN STATION 1617 J.F.K. BLVD. - SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 M&T Mortgage Corporation One Fountain Plaza : Court of Common Pleas 7th Floor - Default Buffalo, NY 14203 : Civil Division Plaintiff vs. : Cwnberland County Jimmy E. Cox : No. 06-1432 CIVIL TERM Rhonda A. Calderon AIKJ A Rhonda Cox 81 Appalachian Drive Carlisle, PA 17013 Defendant CERTIFICATION OF SERVICE I hereby certify true and correct copies of the Praecipe to Attach Exhibits was served by regular mail on Defendant's counsel on the date listed below: Kristopher T. Smull, Esquire 210 Grandview Avenue, Suite 102 CampHill,PA 17011 DATE: <6lz'l.-{O,6 , heetal R. Shah-Jani, Attorney for Plaintiff ~ ~":, -01.>..: nln" "'";>-.'; t;;~L:' -<:'" ~: I<'~ ~~:,.'! P-c Z ::1 ,..., = = "" ~ c:: G') N W ~ -i ::c, ::D "r-: -0. c:1 TJY {:1C~ --'--1, ~.r: -n Si~ S\ 55 '-< ~ <2 (.0) o 7 M & T Mortgage Corporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. Jimmy E, Cox, Rhonda A. Calderon, aIkIa Rhonda Cox : NO, 06-1432 CIVIL TERM ORDER OF COURT AND NOW, September 13,2006, by agreement of counsel, the above-captioned matter is continued from the September 6, 2006 Argument Court list. Counsel is directed to relist the case when ready, ~bert Lieberman, Esquire For the Plaintiff ~istopher T. Smull, Esquire For the Defendant ~ Court Administrator lkd VINV^1ASNN3d AlN00') (]\'.fl:I]::!'3SV'4ro 20 :2 Wd 61 d3S 900l AlNIONOH10L.ld 3M! :10 381:HQ-OllH . ; -... PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY; Please list the within matter for the next Argument Court. --------------------------------------------------------------------------------------------------------------------- M & T Mortgage Corporation (Plaintiff) vs. Jimmy E. Cox Rhonda A. Calderon AIKI A Rhonda Cox (Defendant) No,06 Civil Term 1432 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc,): Plaintiffs Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Address: Sheetal R. Shah-Jani, Esquire Phelan Hallinan & Schmieg, LLP One Penn Center at Suburban Station 1617 ],F.K Blvd, Suite 1400 Philadelphia, P A 19103 (b) for defendant: Address: Kristopher T, Smull, Esquire 210 Grandview Ave Suite 102 Camp Hill, PA 17011 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: October 25, 2006 31~2-/Ob ... "' Date: Sheetal R. Shah-lani, Attorney for Plaintiff .. PHELAN HALLINAN & SCHMIEG, LLP By: SHEET AL R. SHAH-JANI, ESQUIRE Identification No, 81760 One Penn Center at Suburban Station 1617 John F, Kennedy Boulevard Suite 1400 Philadelphia, P A 19103-1814 (215) 563-7000 Attorney for Plaintiff M&T Mortgage Corporation One Fountain Plaza 7th Floor - Default Buffalo, NY 14203 Plaintiff : Court of Common Pleas : Civil Division vs. : Cumberland County Jimmy E, Cox Rhonda A. Calderon A/K/ A Rhonda Cox 81 Appalachian Drive Carlisle, P A 17013 Defendant : No, 06-1432 CIVIL TERM CERTIFICA TION OF SERVICE I hereby certify that true and correct copies of Plaintiffs Praecipe to List for Argument, and Certification of Service were sent via first class mail to the persons on the date listed below: Kristopher T, Smull, Esquire 210 Grandview Avenue, Suite 102 Camp Hill, PA 17011 '1~O" Date: ~L' ~ ~:- L':'_ :~< r-..:o = c:::> cT'o (/) f"1"1 V N -.I o 11 -f ::r: rn:o I -om -nO (w.... I .~O ~J: :fl ,)c") iSm :::-I ...'> :XJ -< -0 :u: y.? o u. M&T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v, : NO, 06-1432 CIVIL TERM JIMMY E. COX, RHONDA A. CALDERON A/K/ A RHONDA A. COX Defendant : CIVIL ACTION - LAW PRAECIPE FOR WITHDRAWAL/ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly withdraw my appearance on behalf of Rhonda A. Calderon alk/a Rhonda A. Cox, Defendant in the above-captioned matter. MARIA P. COGNETTI & ASSOCIATES Date: l 0 I ~ I 0 ~ By: , , KRIST PHER T. SMULL, ESQUIRE Attorney J.D. No, 69140 210 Grandview Avenue, Suite 102 Camp Hill, P A 17011 Telephone No, (717) 909-4060 Attorney for Defendant, Rhonda A. Calderon alk/a Rhonda A. Cox TO THE PROTHONOTARY: Kindly enter my appearance on behalf of Rhonda A. Calderon alk/a Rhonda A. Cox, Defendant in the above-captioned matter, Date: By: I"t ., o (; r-) c:? c::':) 0..... o ::~ 0-' -C} CJ 0'\ M & T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY PENNSYLVANIA v. : NO. 06-1432 CIVIL TERM JIMMY E. COX RHONDA A. CALDERON, AlK/A RHONDA A. COX, Defendant CIVIL ACTION - LAW MOTION TO REMOVE MATTER FROM ARGUMENT LIST OF OCTOBER 25. 2006 AND NOW comes Hannah Herman-Snyder, Esquire, and the law firm of Griffie and Associates, legal counsel for the above named Defendant, Rhonda A. Cox, and moves the court as follows: 1. Petitioner is counsel of record for Defendant, Rhonda A. Cox, having entered her appearance on October 20,2006. 2. Prior counsel, Kristopher T. Smull, Esquire, withdrew from this action by Praecipe filed on October 16, 2006. 3. Attorney Smull had to withdraw from the action as his firm, Maria P. Cognetti & Associates, recently hired Jeanne B. Costopoulos, Esquire, counsel for the additional defendant, Jimmy Cox in regards to the parties' divorce matter. 4. As a result of this situation, both Attorney Smull and Attorney Costopoulos have withdrawn from the matter. 5. Attorney Smull advised Petitioner on October 13, 2006 that he received notice that day of the listing of the above captioned matter for argument court scheduled for October 25, 2006. 6. Petitioner is requesting that the matter be removed from the argument list for October 25,2006 for the following reasons: A. Petitioner is scheduled to attend court in another matter the morning of October 25, 2006. B. Oral argument is scheduled to address a Motion for Summary Judgment in regards to a Complaint in Mortgage Foreclosure and there is an Agreement for Sale in regards to the subject property, a copy of which is attached and incorporated herein by references Exhibit "A". C. While this matter was removed from the argument list once, difficulties that were occurring with the sale of the real estate, which is part of an ongoing divorce situation, with Defendant Jimmy Cox not participating in the sale are no longer a problem as Mr. Cox is cooperating fully with the sale of the property. D. Settlement, per the Sales Agreement, is scheduled to occur no later than November 18,2006. E. Undersigned counsel requires time to prepare for oral argument, should it be necessary in this case. " F. Undersigned counsel believes, and therefore avers, that to proceed with the oral argument, given the above circumstances, is a waste of judicial resources, as well as Defendant's limited resources. 7. F or all the reasons stated above, undersigned counsel attempted to secure a concurrence from opposing local counsel, Robert Lieberman, Esquire for the prior week and after numerous attempts to contact Attorney Lieberman was able to talk to him, as well as counsel, Sheetal R. Shah-Jani, Esquire of Phelan, Hallinan & Schmieg, LLP today. Counsel for Phelan, Hallinan & Schmieg, LLP, as well as Attorney Lieberman, on behalf of Phelan, Hallinan & Schmieg, LLP do not concur in the request to have the matter removed from the argument list for October 25, 2006. WHEREFORE, it is respectfully requested that an Order be entered removing the above- captioned matter from the argument list scheduled for October 25,2006. Respectfully submitted, 1'\l-~.1'\ "- ~,t\ i'I. "'- 0- '" . qN\ 11~ Hannah Herman-Snyder, Esquire t Movant GRIFFIE & ASSOCIATES 200 North Hanover Street Carlisle, PA 17013 (717) 243-5551 (800) 347-5552 VERIFICATION I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsifications to authorities. DATE: ,(),. ') 0 - 0 I ~ \l (\ k 1'>0.. n h.. '\.Lt> T\. f't\..(\ I\.. -.~ N\. lr ' 1\ Hannah Herman-Snyder, Esqui Oot ~ 11 06 01 :52p RHONDA A COX 113/0612006 13: 5ti FAX 717 761 4338 (239)275-3998 ~ p.17 KHLLHlC Yt'.LLt..lA.a3 W1l5 0 Z, s: '"" ....... - ....... ....... .- BUSINESS SEP:\IICES FOR ~~ Esr,A;e (llCO) 555-3:190 STANDARD AGREEl\mNT FOR THE SALE OF REAL ESTATE iJj, i."", =-_Ia""'''' "PI*'waI !..; .... """ ~.,.,. w UK ~.. Ib~ -.'ftIbm; of lite P.:nnsy....lIi.. AssocDlioI. ..flUiAL TO/lSlIt lI'A R.I. AfS-R SELLER'S BUSIN-:E~ RELI\.TIONSHIP \\'lTH PA LICENSED BROKER . BROKER (Comp-y) (;. .IlH U .1I..-.M! PHONE "[ 'I ~ 'na ADDRUS 't-~"I. (Mltr*!.ill ~ v.U fll- FAX_ UCEN~n{SL_____ P.)"d: SJIoeM. ~sipatH Ageat'! ; BROKfo:R IS mE AGENT fOR SliLU::R OR (if checbd beko"'): ; Broker is NOT t~ Agenl rar Seller and is 31411I: 0 ~(;I.l'.rr FOR ftUY.E.R o Vcs 0 N(l o TRANs.\C11ON I.fCENSEE i BU~R.S BUSJNE~ RELA.TlONSHIP WITH PA LICENSED BROKER I BROKER CCO.IpIlI\Y) 1(~1> ~ lb ltIi""''''J.<<, PIIO)'\jE -,(,,1 "'J~ I- ADDRESS 1 'f?..f hj:;'l~i -; .r G..ty ;'n pn- F"X -1;"1 ' NJ-1 I LlCENsEE(S) 11"" l ic~.I( ~igB3ted Agmt? 0 y~s 0 No BROKER IS THE.4Gfl'rlT FOR BUYER. OR (ifchrcked bl.'lO'f'I: I Brobr is NOT the Agent for 6uyrr :a..1 is~: 0 J\GlY'iT FOR SEl..UR 0 SU8A<i~" FOR SELLF.ft 0 TRA1"i..~CnON LICENSEE When CIte: 1IlIIIU! Brcola!r is Agrtd-for Seller lIlIld A~Rt fur -.,.,r, "."olu:.. is a Du:tl Agent. AD of Bn....'s lir_s:d'~ also 1)oa1 ^t[nfli UNLESS there ::In> separan: ~"'c.I.A~b tit,. Bt,~ and Sellft'. If d!.t' $Ht~ l.iI:eD5ee is dcsi:-aCed fttt. SeIu a11d Ikl!<<, roe LitC8SU is a I>ual A~enC_ - 1 J. nn)iS ~!Itee-m!nt dated SELLER(S): .h """ ,~ I - Oc:n ~ , is i..:tweea f: k. a.- 1-__ 't..Cc ~ (1._~dc. A (~lJfr!JrJ J s.: , called "Sella:" and BlI \' Eatl S): t.n, ftnl'lio\ i C. g"" k~w r eL .yo ,cafh:d "8.)'1."1~" , 10 2. PROPERTY ('-<1S) !idler bereby :tgreC5 10 idJ and COM~ CO Buyer, wbo Ilenby agrees ro JIIIrrhllse: ALL THAT CE.-r^ll'\i lot or piece .r :rea............ tJuildi ng5 alld .GJproYellJeD" '.bel'aJll eqdCd. if' allY. ImMm as: ~I AlfdCi'W D4Jh Cu.r'IJ~ 'I< (,HtiJ ~_ I ' -,'" i..lhe f'\atI:i~~r of ....~~ ~~JL C-..aty of tWt. \a.\rwJ in 'he CO_'IIVellltb ttfhluls,."J":lIIlia. IdentHiatilMl (e.g_, T:n JD 1:; Parerl:i; Lot. BlfJck; O~ed Book, Pa~> Recording Date); 3. TERMS (,-tiS) , .J (A) Pllrcb.sr Price __~.1~.J t'1W, _ t::l/I. lkJ. ) ~ I:' f~ ;t 11 t. ':' ';~ ~q 15 U,S. Dollan., fg which 'Will be paid to SeU~r bj Buyer a!i follOw,: ~; 1. Cash or dlCCk at s:igniog this Agreemenl: ~.... S j~ :!. C3Sl.l (!f" check 'liahin ~ days of d~ etCCuOOl\ of Ibis A!;rcemenl- S I CAlC ~ :to . S ~ 4_ CIKh cr caslUcr's cbeck :It time of sd;!emetn: S ...:j i::J ~~ \ '3CI f OOO~ ~ TOT.~L $ -+ 0 5 ~AI:) \ <1Q ~tlI-I' Ikposits p;rid ~ Bu)/u wullio --UL- DJ\ VS of senlemenr wil be by cd) ()r casbier's cbeck.. !)epusits, "'q;ar~ ortl~ fOml of paymool and J - ,. 'C !-~ 1u 2; ~ -~ (H) z~ := the pcn;on dc!;ignatcd a~ payee. will be pam in u.s. DoIbrs 10 Brokc'l" fur Seller (unless olhct'\o;ise s:a.ed bere). ~ 2li . 'Witt! will re1:Un _ depGlSi1s in an ;:sen''''' aa:oulW. .-il cansommatiOll or IcrmioaliOl1 or Ibis Agreement ill coorOlnity with III applialblc htws lllld JCSUlalions. AD)' :u; /1/...6 clacck tend.:rcd as: dcfIOsit mootes 1113)' be- held IlIIC;1Sbcd pendia~ ~JJ:: a.-:ceptanee of Ihi~ Agn:ement ~ Ct("'\. o.tf ':7 Sella"s wrica:n ~! ~!' be ClD<< beIbre:~ D... ~...... J ~" -;J ~~ i..\ I' ~ ki:Y'I? Settlc:Jllefltto be on ~ ii, . - ~ -~ .' L . ..... . . _. ~~ bel(S"l: if Bu,e;;ilt Seller am:cc. ';s Sculemc:At will 0QC;ar i. Ihr cOOIIIy O\-h:rc the ~ is locaaai or in an 3djaceet couNy, ~~ business lIulJlS_ unless Buy; ~ :;<; SI,:Uer IIgt\:e olhl:l",'isc:. ~1 (F) COI~'e)'lInce from Seller will ~ by fee simple deed 0: spe:;ial \VillTilllty unless otherwise sli1.1 ~ llel'':: ~L ~ a (C) ([)) (E) Z!! Jill t, 3~ 301 3:. i!; 37 .,~ (OJ Pnymcnloftramfer lllxes will b.: divided cqunJly botwccn Buyer and S~ller ullh..!;s (Iolhe7Wis.e !'orated he~e: .3-f 4'; iHJ ..l\r time of settlement, die follGWin, will be adjllsted pr;u-IalU Oil a d."Iily basis L~t\\lc:c:n B\lY~ lInd Seller, rl.!imhlll'sing where' appli':;lblc; cur. rent Clxe:5lsn: Informati(lll Ri:prdiR; Real Es1ate Ta;us); renI$; inl.ereSt 01'1 mong:age ~kions; condomillium ~ and homOOWllCr tiS(\- ci8111m fl:t:.S; water aNIicH sewer fees. IOgcdler",j1k iIDY 0IIter liCllabk municip;ll !IaVia:.. AI chllg'es wi. be pro-ra&ed for Ibc: period(s) co\/- era!. Seller mil pay up lo :and ..e1udin~ tht' date of.idllemeM and Buyer will pay for all da}~ foIIcowing settlemcot, u.nle:iil> omerwiu 5131- ell llere: 8u!"fl" l~n2b: ~ Pb ;t;;. :1 ~ 111 al 3i :it ~) .t~ ~~ AIS-R PII&C I "-11 ~Jed 9105 Seller Illitials: COJlVRl(;)lT ~L",~;~M ASSOCI<<J1O D1 r-s,..,.... AssoCJip~h." REAlTORse ~ ...... . ...~_____wt............. EXHIBIT I A.. --- Oct, 11 06 01 :51 p RHONDA A COX lO/OO/ZO~ti 13:~7 FAX 717 761 4338 .~... \......,. .---- KI:!L.Lt;lC WH l,.LJ Mli) (239)275-3998 !Ilia '-' ..... "-- l!USIHESS seF,VICES FOR REAl. ESlATE (8CllJ 555-3390 ~ .13. ~ o!S ~ .f! 4.. FOCTt!RBS & KltSONAl: PROPERTY (9-05) " ' .. '.; .. r tinl! D:t.- CA) lNa-UDED in lhis saIc are all cxisnng ilCIDS pel'IIJiUleDI)y ms..lled 1ft d~ ~ropCJ1}', &cc ofhCDS, Including plumbang, ilcaUS: ~ ~. 1Urc:~ (including ~ and ceiJin8 6ms): water baI:n1eIIl sySl~; pool and spa ~J1pnteRl; gaJ"llge door openers mid 02~:>IIt~tef$, ,ele- visioD altlenna.s; unpo$kd 5brubhc:ry, p"'nrin~s;md ~~ iIII}' p:m.wil1ll hearing and caokiDg n.cl; storM on the Properfy all,,'li: IIJlle ~r .set- .k:meol; s,lUnp pumps.~ stOra&e ;;hcds; mai~$; well 10 ~~!1 c-r.peting; e:ti$ting wjndov< $creens, sltlfln window.; and SCreeol5tQ11U doon; wiIIOo\\' co"'enn~ haRhvuc. $IlOldc:ll and b..d:;; a,,'aing.s: buih-in air ccmditiMe~ built.in ilJIplWK:CS: and me flIIlge!O'-'CR ',m\ess (llherw'Sl: Slalc4. Also i..c.~: ~~ \... t,tJ....J !.J )...1L..J ~:;R I'; ~...I-f ~,""'" ~ ill (8) LEASED i1etus.(nol tlWIlc-.d by Sclkrr. 51 ,k,..~ ,J ~. .' ~"f' L...i rW ~~v.-.1;.1 52 (C) fo.:xCLUDED fJXlu.e.3 aad ilcDlS; ~i1 D ~ 5~ 5. I)ATEsmME- IS OF 'n-lE ESSENCE (9-U~) (Al l'hc settlcmelll dl\l.':: and all other dill;;:;; lIlId \ime~ rcfcuc:u t() for till:: per!i:lrlna nee of any \l f (l1e o!'1 i It'lfiollS 0 f tbis Agreement are of the eliSCDC: .u arc bindin;. (B) Fo. PUJPl'S'S of ,his ~Ileul, f~ DumbeJ (1f da~"S ~ill be aQ\lC(\ from tbe dllte of ~tioo, ~lvtling Ibe day ,bili A1Pccm!::llt 'MIS exe- cuted ~nd illc:lllc!i n;; the IllSt da~' of Ihe lime pcr1OO. The Ex.xution Dale of litis A~emetll n: the. d;t~ wilCI'l Buyer "ad Seller hlrv<e in(hc;lted full acc::platXC C'f mis"\greaDeI'I; by si~jl\& ad-'ll~ inMi:\lmg ;t. All cha~ 10 this A:;rccmalt :.!1f)\I1C be: initialed Dt'Id dated (G) -rbe settlemelll: dale if> lOt c;derderl ~ :my ~. pn:-vr..ion oflhis :\~nmlllJ1ll may anly be Cl(l~ ~. nwuml.mncn 3!'lCClnmt..r ,he pal't..'cs. (D) Ccrl:lir. time. period!> arc pre-primed in this A.~ffietll a:lll CQII\';:uieoc;e '" ,hi: Bnye.- iIlIIIiJ Seller_ All fJft-primed hmc peri<<h are negotiable aO nul} he changed by miking 0IIt ~ pn:-pri::lred lo;t and inscrtiflg il clttfcrenlltimc peftod aec...--ptable 10 ;;all pallies. .. MORTGAGE CON"r1NGF-NCV tJ-t5) o WAIVED. 'l"his sale ili NOT Cl,1,1tinzem ()11 mong. tiTJ:}J1cin~ ailtIc)u,lt Buyer may Slil obtain mort~!!C fin2nci1l&- ~ ELECTED, ~A.) 1.. Sille is ct1l'ltiPgenr upo1l Buyer obtaining mort!:t"~ fiu:looil'ig lIS ((lIt{1l.v~: }--:-nf Mortp:.. ...the Prope~ Sec:olKll\hc1pge on lhr PI1lperf}' LOll8 Amount S . i > . '7511 Loan Am~ $ Minimlr.n. Tam _ J 0 >yam Manuw'" T<<m yeaI'$ T)'JlC' of munga~ (wi..tJ~\ lype of 18Drtg;agc: i; 5ii -= Ii: e~ ~z i~ ;c ~ 06 OJ 6S ii'! ill- ~ 11; ';.t Mort!;ilg4l laMia- I'!~ I 1" ,. ~';.e<.r.. Mtlf1p:De Imda' 15- lao.-:n:g nuc: f.. . ~~...,; tKw.~1:f, 8u}-eJ" agR:C5 10 accept tIR IJa.:R$t nte ~-i.; l.owe\'U, Bu~-er.agReS to :m:t:pt lIlf: iat~t (';de lU may be ct)D1mitfl:d by the mercgage knMr. not It) interest nle lIS Inay br commiftl/d by 1be mllrt~t Irtukr, J)(l\ If) Cltcud a. lU/IlKimtnII imefcu r-.ife of it . '1)" ,..., e.'(c:ed a 1'1.1.)LimU1l inl~:-<:5t rail: of ",... Oiscvu/J' points. '-*., ariginali.Jn, 1ulu1 pJa..--e......ni ami O1bcr fees ch;.~1 IJl,.:oun1 pOle1t.s, lnan or;giniaioo, ioan p~lReIlt and Oilier fci:$ cl~ by d\C IePdc:r lIS a pcn:eotagc: of"c ClIort!;OgC loan !i:XCluding atW m0!1- by Ibc render;as a ~;g;:; oflbe IBart~c loan (excluding;my morr- ~&e msuriJl)t."C pr;=lu;uJns or VA. rLUtdJ~ fee) 1101 10 l:x::.:ed gage ;nSUfllllU 1'.-.;,,,iU,"5 (Of \'lI\ r"ooins fee) nN 10 e.-,(~"d % (0% if f10l ipecificd) of ,he mOdpg= loan. % (re. if IIOIliJ'I'CiEicd) uf die t1IOltpge lnan. 111~ im:n:slratc(5.)and rec(:;)pn>~.;liiOllli itl }J:IQl;I3ph 6 (....) ""'Silti~iftl1e n~ll~ lcmlcl(s) gives aO}-cI'the ri!IJl to 8\lil1?IMeC the i~:alt(ii) anti rce(s) at or below the ~ lewds SIaIilIl. Buya gi~ Sdl.:r lhe rislar, 1M Seller's sok opliun and ;as pcnni8cd b}' law anti the mf>l1ga~e IclJlk:s(s). 1& COI'Ilribote tiooncially. ""tilout prOltliSle ofJrimlmrsemmr. ~c Itr l~ .MdIor tbl: nlOr~~ ~5) kt make the lOO\'e l.lMW1~C 1t:fIJlS ovnilahlc 10 Buyer. (B; Within _ day~ (10 if nClt spec:niecll jrOln tbe Excc.n11on D.,te 0'- this Agrcelnem, Buyer will rnal,;c a completed, lVrillen mortgage 8prli. catjl),"'I r,,1' lite mortgage terms staled abl.we to the mortJ!aJ;ec Ie'~s) identified In )1a~4l""<l.ph 6 (A), if any, cthGrw.g lel Q rcsp()n~ible mClngagc Icmk:l(lf) of BlIY;:"$ choice_ Bnker for Ruycr~ if a"~', ocher"llilie S.'Dku fOt' S~llel', is :,mtltm;7.l!'d I'() cnmmlloicate wittl the morlga~ Iendrr(s) CO M.ustia ihe anong.-loaD p...cess. (Q SIteuId 8uyer furnish faIM: Dr UKomplde infDrmstioll re SeDer. Rroliel1s), or the lDon:llge IC1Uter(1'I) <ORCft'Iling Buyn'S Ie::d I)J' IiAanK:iall'l'atus, Of' fail to aopentil' in geed faitb ill pmctsSing the trIOI'Ig8~ loaIl application. '\omidl n:seIIS in tile 1(~Rb~ Icnde~s) refllsing '0 lIppl"O'l'C a aaertrace 141:10 rDDIIJrJihMlat, Buyer"'riD be ill ddDtll. .1 IIlill Agreement. (D) L Mortp:e adIIIitmmt IllItE; i'! ~1'1 Poi''''' h {..I.,r,'".r' rfSdkJcJoa. n~ rr.c;....;w: a ~ oiBuyer's lI1OIl~gecOJll8\:tmellll(s) hy Ibis date..lhaycr _ad Sdl~' *Jfl.'\"1" 6tmd .~ m~ cetllllli&r-ot dIIt!!....ti1 Seller tenniJ11ltes this AgrtcJ1ttIlt by ~ _ti~ II) BUJ-'CC 1. UjlOD rtcciv~ a mort~c commitmrnt, Du~-er will promptly ddiwocr .. i:OPY of lhe c:omaaina..-nt tv SclIcr: 3 SelIc::- may tcmlillate Ibis Agr<<m<:nl ia IVrili~ aner tJsr mor~ cClI11l1JiunClll 6;.11:.. if Ill: mtJJt~ cllI1l...tmt:nti1>): a.. I!' IIOT 'lItI1it! limit Ibc ~ of sen1emc'IIt, OR b. Is coAditlOlll':d U\lGD Il1e 5aIe and scrdtUlenl of iDlY .tbu pru~ OR C. ~ no. s:lI.iJyaU tilt- mDrrg:J~ timll!l a& iitalet1 in J8m~ (j (.-\). OR d COnl~ ay dkr CCHldilioa 11ClI specified in 1hi5 Agret~~ lhat is not SlItisJied <!ild/Of H~lDl"'ed in WOlin:; by the Dl"~gc iclldel'{s) witbill-1-.. DAYS ilficr ,be .--tg~ COIDmitment date ju parag.r.IJIll . {D} (I), otlI=6 dllln WIse COIlditions tbal are c:ustoma:i- I)" !l8li&1ied ill Of )teilr scltlcmcnl, ~1CII :as obtaillfttg illStll1UlCe md confrnnin~ c:mplCYlUlllIl s1;1lU,f,. 4_ If.. "'gxemcm is: termin;teed ~llo iQrngra,. 6 (0) (}', (II" (3)_ or the 1IWWl~ 108111.') is not ohIaiocd b- sCIlIcl"eal.. all d::p0!Od 11IQI1;':" will be 1dlJr11ClI \(J 8.yccaa:ord~ 1(. the-tcrN6tlf.,..l;.}(J andth~AJreeID.'[1I will he \i{)lD. B1I)ef'Mlta.c n:spmsiblc fur 3iJ)' CO!ib incllfTed by Otl)"U tor any iusp:ditu!\ lW o:cnif~ oIJt:tincd ..:rmdDtg 10 dtc ~ of Ilti!; A~CGleIII. and any ClbIlS ina.m::d t!r Baya- for: (l) Titl.e scardl, lide imIolw:e IPdi4w- ..~' tiel. j--.~, or any fl:C fill' c:oocdlati~ ll) Flood inwcallc~ 18d!a- file il15111'<lnce wilb e!ltetltkd (;()\i- a-. ,._~ __ ~....... <w<U<dbrioo, ('I) ........ "'" .............. ............._~ BU}eI'IIlirials: ~ / Q,X.J .o\JS-R Pl\g.e 1 or lG Sellt:r lllRQIs: 4 " I lWilSftl ?ies 7i; n 7i !; it: :; so u. e& ~ B1 ~ 'IS ~ 9i !K! !;l i4 ~ ~ S7 ;a *' :00 rot ~ *'3 j~ 115 :E It':; p.16 ',- ~z 4.) ~ ~ <10 ~, oIii t~ SO :1 SO' E3 ~ 55 5& ~ ~ ~~ 00 i\ ~ ot ~ ,,~ ,~ t:E hJ Gl? ~ 7tt "'H 1:1 73 ;~ ~ 76 n ;~ t~ SIl rtj J'Z '"" l>'l Ill> ~"5 111 ~(j Ie 00 S1 ~ ,,- !'.o; % !f& .., ::.~ ;t; :00 ~1l: 1!f2 It! ~~ IG;> H\5 ';fi1 l.iil Oct.11 06 01 :51 p RHONDA A COX 10/0G/2006 13:57 FAX 717 761 4338 (239)275-3998 ~ p.15 K~LLt;1< lYJLLlAJI~ 'i::t u_.. ~ ""'.A.... '..... '-- ...... - ...... ....... ..,..'. '- ,~- auSIllle5S SERVICES FOR FlEAL ESr....TE (eoo) SSS-331lO 1Ct ,'" lie 111 }to, (E-) Ifd1c ~ Icnckr(s). or an insmcr ,.o\-idtlJ8 propcray and 4:wJaIIy iA.~ as requiIed by tbe 1lJCIrtga&e Ie1MIcI{s).. requhs KJIllirs to 1bc t08 ~It)~ Buyer waD. upon receiving the fllIJUi~ ddM:r" a c:opy or 11Ie n::qui!'cmatts U> Seller. Witbin -i...- DAYS N receiving IDe~!I Il!! of dr requir~ Seilet- willllOlitY 9uyer wb:.tba Seller will m4e tbe required .epain; al Seller's apUl5e. tro :. If Miler nmk\!!i ihc RqUi~c ..in< 10 tbe snisfadioo of the InClrtgage leadel(s i or in5lftJ'. ~ ;JCtep:~ the Propa-ty :Inti lIgrl!Je~ It} Ibe 1~; RELEASE in JlGIfaGl'llflll11 oftili$ ."'gteeI~ 2. If SelJcr wii' 111)1 m;lk lbe RqWmI.repil4r.;. Dr if Seller fails tit fapond witbin IR tilae gi..aa, Bu:uel "';11. \'W'ilbin ~ DI\YS, Ill..uy 113 ScII~r of 8u~s choice to: a. "'b!\..: d.e reqtlin:d n:Jllillr.!., at l~lIyt:T's c:\pcnsc. witb f.enu~~ioo and ilC~S.':; to Ih~ Prt'l~ given hySellea-, permission aad acc:c;.s Jr.")' ~.-:; nO! lx: __lNlbl" ...,lhPcld bv SeUeJ_ OR . 1:. T~n;dc fhis A~cn. by writta, !IClIicc: 10 SelIC!", ,.mil all ~i. J)~ rQllmOO ~ Buyer according to the k:nJJ~ of par,II!mpb 11 ~ :;0 of ibi,;t A~rcentCJlJ_ (F) Seller ASiQ.1: ~. 7s[. T APPLICABLE ."-PJ>l.,CABl.E. Sdkr wilt p8~r - S 5 i ~ . or ___ % of I"-n:..l);t>:: PIle<:.. Cll:.xJouIIll, to....-ant Buyer'" COSl;i a:. actc:pl8bic b,) lbc (1lOJ~~e kndeT(S:). 1 ;;~ o lE ;11 tI~ !U ~14 ~,s. 1'f~ 11;; Il'! '1~ F9 ~~ ..:.: i~(! .lll 12' !1~ .~ 12;; t~ FHANA.If' APPLICABLE (GI It is apA:~iy ~ cbat ootw.itll5llUldillg .ury 0I1~1 p,-m:!sior.s or ~ mDUiltJ, 8uyt1' willoot he l"bli~'3I.ed 1\1 COII1Jllete Lie ]lU!'Cbas.:; of t11e I)Tt~)' dt..~..,;btd J~II or [t) il\Ctlf an, penAllY by forfciuit'c of enmest 1nOIlC)' der."!S or otlten\.'~e unlc..." Buyer I.. bc>::fI gi\.-en, ill :tccomiIftCc willI HUIllFHA 01- VA reQuimllellt>, a ....'fi~1 slllkmer.t 0)1 ,be: h:dl:lil{ Hp8Si~ Cmomi!>.~(:!, VcIer.n> A.<lll\im~nlli(ll\, or (I Diucl Endo!5enlClll (.ender settinz fur1b I he :tPJM'llil'Cd -value {,f rbe: Property or IlOIJ$ fh3P $ (iIle coUar ill110Ufll to be ~ is ..~ satipritt. ilS _~ in IbisAgm:nt::Jlf). Bu~ wi'l il~ ~~ivikge :md opIi:m Df JlftIrecdiJJg with ~lStfilmlJljon or d..: ~1T',J("1 wjlhoui ~:-(j to II", ODnl)~lt oflllc appr;Ilsed wllJ01~itw: Tb;: app{aiRd "';Jbtlll''')ll I!> :1rrWed;lt lo de!enninc_ me IDilxilDlIJU 1UOf\- g~ lbe o.,j)aI'.:menl 01' Huus:ng :Uld Urban Ilc'l-dopm..'nt \'olll tOSQrt. JVfo doe.~ not W;!rxant I:he '\'Illuc nor the c;ondlllflD (>f tr.e f'rot:>::ny- BOF should sarisfy bim;d[lJIer~f thai the price and coodi6icJ:\ of ~~tIY arc acceptalJi.e. w~: Sec60n lOIO Qf Tlfle 18. USe. Dc:panlOORf or I~ MId Urban OevdoplHCllt aJld F~:al J-:ollaltg AdmitJist,a;on TI3IJS;IC~IOll~ prol.'idc:~ "",,'brevcr for ~e ~ (If . . _ iml\lensiti~ ii' allY \li'ay Ib~ lIclion or ~lCh Dep;lrtrnem. tuaj(es. passes.. \liters or publjsh~s allY sl"dleI11Cl1l.loo.....1{!: the sam:: tI) t>e false _ . . shalllk fined umkr Ilia: 1ille or i!npri!iOned nOl JMfe rb:m two }'e:m;. or 1'lOll1.~ iff) U.s. Department ofJJmm.g and lJ..bao ~opment {"liP, NOllCf'. TO PURCHASERS: Bu).tr's ,\rknuKledRt!'IUCJlt o Bayer it3li recei"cd \he HUD Natice "For Your Prol~: ('JCt a HCIIIIe 1~ljou." Buyc IIJ-.ietsIItIlUs .hl! importance of Je1ti~ all i~ home ulSpeaiOIJ a.-Jd l'l3$ 'hnnght aIJ6u1 dtis /)et(lre signing this .~gr-cC:JJ1CIll. Bu)'Cf IInd~f".itand:; tltat FIiA win 1l()1 pt:J"timll 2 bnmc in:Ipcd_ln 1101" ~ t)rc pt-iciur (lOOdiliml of lilt: Pmp.-:ny. OJ Certific2li1tn We the IAlder5Jg!IUJ, Sdlcrt.1) md Duy~) pmy IOlhis IIlII&cI;Oll each certify that Ibe tams ofllJil. COlWUCllOr pllrcha.~ ar~ lrue to l."e b:::st of our krI()Wlerlge lIlld belief, aod It*- ~' olltes Ilgt'~ catl:.n:c imo by mlY of ~ ~ i(l connection with tbis lraI15i1tC!ion is i\nacllCd to lhis ^~lcnL ./ ,14 ,2:: ~;!,:i ;$ (~ !:!7 ~~.. ~2! i::-S: 12.; "-"if 1~) ..':;" 1J~ r~~ 1~? ;3~ ~ tJ4 -:~ ,3! !:\5 :~ 13" ;.nJ ~3"/ l~ i:::~ JM $.~ !;:t<J ;~ !~! ;~~ :42 f<!' 7. WAIVER OF CONTI!\iGENClES (9-05) io%:! .... rf tIUs Agrn:lI_t is CDD~f - &YU'$ right Ie iaspect aMIcI" ....... flit Pt'8prrly, or te .-erify i&sRl'abir;I)-~ elWirenlllftltaJ wnditioos. ;4<; Hi ooUJItlaritos. .:-mifiC'afinra, 7___:' cb!5ific:din or IIS~ II' alty otJ.rr inf..-..at>>ll rqa-ding die ,,",peny, ~'$ &ilwe to ~#f'Dse aD}' of 145 :..... ~"$ options willlin tIt~ U- 5d tiJrtIa ill Ibis ~eDf is a WAIVER .r'bae ~ .lIId U.,er accepts tilt ~ _d ~ It) j.'19 147 lbc RE.LEASE in poar-al!rapb 27 of Uti:; A~ecme.t. 11i \~a 8, PROPERTY J,,",Sl.IRANCE .~V..\ILABILlTY (9-05) 14~ ;4; 0 \Y.<\IVED. n~ Agrccmc7Il is NOT a..ingent Uplsll BUYEr obIajlJing pmpel'lyand CRSUnlty inSWitllce for lJ1c Pmp:ny. lIltbough Buycr tlllly 1'" li-~ SliJC ()blO1l0 proper!)' and c:&5UiIhy il1$Ur.lnce. i"" <51 ~ ELECTB>_ C~ reOOd: 2!- ~WS (15 if not specified) from the: Exrcmion Da~ of thi.. A~IlXIIIeI1t. '51 is! Wdhin tbe CoaIiaCeKY Pmsd, BRyi:rwiU nuLe ~icalion b pnJpClly .....1 ~ msul1lllCC for lbr: Propmy to a n:spa:l1I.."iibic in.'lUrcc. 6rokf!l'" i5~ i5l rt~ HII)'er. if ;a-r, of.ber'wrise Bnker lOr Sek. ....,. ~dMtIlIiaIk ...... the _!lUFer to assisf js tbe iMulWlt'J: pl'DftSS.. 1f ~ allJlJo1 Qi)bjn I~ ~!~ proptT1y :met ca.'iUaby jllS1JJ1JhCC fOr the PI'Ofll!lt>' on tdmS" cOl'lditioas ICIllQnabIy iIQlCjnablc 10 fsuyer, Du)'Cf'will,. witbiD u.t CMtliJIIftU:Y 1S4 :~s Period: ;~~ 15G (A) Act:CfJt die: I'ropcny and agree tD rhe REL.EASE in Pc1r.lSL1:pn 27 of Ibis r\greelllem. OR !~ 15? fB) T::rmulitk this .~wec:menl by wrin.cn ootice lO Seller. wilh all deposit monies Ji:t1Jmcd It') Buyer :tCcording to the tCR1I5 ofpilr.l~rdph 30 [}ftltis /57 ;5! ,\grc:c:rl1'-"fl1, OR 1;;11 J5D Ie) Enl:r into a nllLlual1y acer:ptnblc w,nrc,} 3b'1'CCll1C11i whh ~kllcr. 1S~ Hie IJ' Buytr ancl Selle,.. do not ruoo a l\'rittcn ngl-eenlent during fbe COBch'gene)' Pet'iad, It'" Buyer doe>; not ternrinate UU5 Agl'ec:nr~nt b)' '~f, '161 written oatiu to Seller withi.. thar tjm~. Buyrl" will acecpl tlIr Pro)'Jet1y and agree tu lire RELEASe;: in pa ragrl'lph 27 of'this AgreemcnL ~.51 11!2 9. TNSrECTIONS (9.(15) Hil 163 CA) Sella \\-ill proride a:n:os m ~' ~ .nd.. OJ; IIIiIY be RllJliirnl by dlis .~grecmCIII. 10 surw.y~s. municipal ofticiab. :1J1d inspec- ~~; l~ tors IrB~r is obtaillin! ~c fll1llIH:ia;. Seller ,rill pruvide ~ to lbe P:-opcr1y to appmi5ers and clbcl's ~bly required b}" mort- 1fo1 1~ gage Icncla{:.>). BU)v may lIth:od ilny iDspet;ti0Dl$_ !55 ;aa (B.) 8u~.,..y make II prMiCUIel'llcllt. walk..tbroogh iospcetion ~_ Property. BItyCf'-s right 10 dais ihspeclion ~ root ......i~ by ony <lIlKTprmofiion Ui t~ of 1his .l\!S\!CIJ1Cnl !ii7 lEE Ie) Sdlet- willltavc ~and..JllItilitie$(incJuding fud{s}hlll for all ill5JlCClioJlS. .iiG itrI (0) AD iaspcctur.>. indading home inspcdOrS, Ire lHIIhorizcd by Bu!''C:f II) pnMde iI ~. ofany iospcc1ioo r.::pott to Broker mJ Beyer. lGo' Iii) CE) SdIcr hM IlK ri~ IIpOD n:qDeSl. iD ~'C: witbolll cltllJge a alpy of allY tMpcxliClll rq1O:'1 fmna * l*'Y for ''l"btwn il was JIIC7'IIlCd. !711 f!~ __,h,p I~ I\1S-R ~ :) of 10 Ra-ised 9;'05 ..... ..'''Ir. ~ .,,...... 2$) ~ !;i2 2n ~ 2)" Oct .11 06 D1:50p RHONDA A COX 10/06/2008 13:58 FAX 717 761 4338 ,.... (239)275-3998 p.14 KMLLtlK 1TJ.LL.LJUlO ~~ """ - ....... --' 8l.JSlNESS 5~fWlCfS FOR REo'!. ESTATE (800) 1io55.3SYO 1:-~ m 174 !7S lJ'ii lfJ. 1n :r; INSPEC'TION CO.N1lNGENCY 0P110NS (9~ ollie ilIsp~ unninge11Cie5 elided bJ u.,r ill paragraphs ll-l $ all: <<OJltro'lrd Iloy tile Options set fM'IJI bdD1\~ The lime perillds Slated in ,-" tlJeSe Options will apply to aii it~"tioo L'OOl~es in paragr;t!llts II-J5 ftRkss olbc:nvi:sc Staled i.1IIisA~. 'l~ OptIon 1_ Within file CoDtin~ftley Pct'iod. a..~ SIa""" in paragl"J&phs 11-15. Bllyer wiD: lJ'~ '- Acupt tlae p~ 'lII'IU, the Jllformation sSlred ill the Rpor1fs) and agree [0 :he RELI'A'iF. in ~1 21 urthis t\;rtttll~l. OR . I.,; 2 If BuveJ is noI ~sficd wlID the lo~l3Iiflft1itak:d ia tile ro1port(s). lermiDa~ this Agreel1ll:Dt by wrilretlllOlice 10 Sc:JIcc. wl:h :'II! ~11 P7 'l\OI\i~ ~ 10 B.yer ,Kcordlng to the 1emV" ofparagmph 30 oftJt* A~t. OR ). EDI~r illtu . IB..foudly ao:ceptablt! \\-riIteu ~mltltt "'7[il Ser1er ptO\-iding for any ICpilWs oc lmp!O\ie...el~ 10 IJr Prope.ny ;md;\ll' an:! m acdit ttllkyn- _ sctr.-cm~ as:l~ to" tJIDrtzaF ~st if all)'. If Bay<< and SclMT do _t ~ch a writll:lt 1Ig11!CP1L'Jd: dtlri~ tlu' !.peciliec1 C..I;Jt:;ntCY Peritld.. Dnd "Buyer does _t terminate &I.~ ;~; A~e.nt b} wriltftlltetice It! S~llft- ",ilhill lbf tlme. Bu)-ef' \'iill lKr.ept tfac Pl"ltIK"rty and a,,-ee ~ the RELEASE ;n pllnlgntpb I~ rr erthis A~I. OpIio. Z. Within the- C..t~y P~riod, as s.atOO in JUiTa'-tl'1lphs 11-15. BlI}"lt'c MoiD: I. Attepi die Prvpct1}' with tbe iRrnmJal;..,ll SlalOO In tkc ~s) and 3&r~ tt! lit::: REl.EASE illlUlra~b 21 ofthis Agn:emMl, OR ! .r8u\lCf il' not SAti5liild with the infurnllllion S!,at\:(' ill l!l~ r:tK'rt(~l. pmI~nt the rcpllf((~t to Sdler witlt a Wt'iftt>n Cmnctl"e PrOl)ltsl.I1 if,E {"P~O!i;II") listing c:nrrediom ClPdiur credits Ilcsircd by "'~r_ The PnlpOSAll1ll1~', bitt ~ ':01 1'XJUi~d Ill, ;lU"ludc- Ill\: lUnle of il P'Of.'- 'ill; c::ly l~ o. qualified pI't\1~'I(! perttvm the CI.lI'J01i1.'n.' Rql.-~fed ill the Proposal, pnwi!iions fOf p:ryt1ll:f11, Inclll"~ rete51...., and 1t~ ;I J,rujectcd dare fin- conlpfefil1tt uf ~ cmrcQio~_ B\.,-er i:l~ ('tint Sd!cr \'Will !MIl be held H~ fC)&" C(lrr.:clio~ that do 110{ oomplY ..",ilb 11lOrlga.~ k:ndcl' or ~llllnenlal rcqltifCl1\enas irlKrl{Jtlltcxl 11\ i\ wtlrl.maniike ITIall"~ accorcliTl"'; to Ibe letms of BU'Yer'~ ProPO:;:il- Of by 1";;) a CClIllIilCtor 5C~cac:" b'.. B1IVCI". :1- Witbin _ d:.;s ;7 if 1h."'lll'J'CX;ified} of r:c.:i~illg Buyer's Proposal. Scllc.r ",ill .>>rOmJ BuJ=r ill .....ril~ of Sella's chtlice to. m Str.isfy tbe lem!!; of&ye:-'s PrGposaI, OR a) Cretfit ~1:r:ll. sdd:mellt for the tn.'& 1(1 s.'1Ii~ !he 10m5 ofBcn'er's Pr~ lIS ~~Ie It) the mangagc 'i:JId\.~s), if <my. OR IS" (3) l'Ilnts.,tisfY tlwt tcm~ of BlIYe!'!' I'ropoAI and nol cn:dil 8u~CJ' al .sctI1ema:nt foe the-costs 10 sasisfy !he tmns. of8uy.::r ~ Propo:!sal. l~ b. If Seller a~ tosatisfy the teom of8uycr'!> 1'ropoli:11 \11 Il) ..",edit Ruya-at .scn.I.:mellt "-" spc~if~ ;above. Buy~ :1l:ccpIS dto: Propcny i$ lIlld a~.:cs It> thl: RELEASE in p3l3[!r.JpIa 27 (tf tiljs ,~rrWtl\."'DI. c, If Seller c-I>~~s :lOi. to ~6sf)"Ibl: terms or iSu)'lll''s Proposal and oot to c:n:dit Bllyet al wtdcul\:iU a~ ~fied Clbo\.'L':. or ifScl~r 6til~ 1'% m dMoft _y OtltiaJ1.ilhin Ibr time gift'b. &rycTwill. within _ cby;;(S itDOlspttiilcd): (1) i\c<<1JIlbc Propct1y witla me inlDraarim sweet inlhc n.-port{s) and ~ 10 the REl.L'\.SE m pova.,.-raplo 'Xl oflllis Agn:e1nent., OR (2) TamiDale shio; A~l by W!Utm U{ltiee to SclJcr, with all d.."flO!'il manics rcturno:d 10 BU}>ef according to tile hmn.'i of para-- ~1 gr.1pit 30 oftlJis AfFemt:ill. OR (3) Eun:r info a mublally acceplable wntrCllOlgreelllcrll ~'ilh Seller ~llO\-idj~ ror any r<:p;airs a' iOljlr~-emcn!s to me PI\lpctt'/' am"'!)T 2l:1 30Y aUit 10 Boya ill fieIrlcmmt as accqtabIe to tile ml'Jl'lgitp: k:AdcJts), if any. If Bu.YOl" and S"'~ do.. n:a-b i\ \"Ti"ell '~'n!eIIJatt ..tiltg. the time specified in OptiDn 2, 2. c., and BtJ}'C'I' 41~ flU':: lcr'. 2!13 lIliute this Arnemeec by wri<<t'O nGtice- 10 Seller ....ithln that time, Boyer will :la:tp' tM Property alld agree ~ the RELEASEin p;Il".~" 27 orChis A;ReI1Ieat. PROPERn' INSPl:CTIO!'O COf'(TINGENCY (9-05) (See Propcny am &wironPleJJQllnsp;dion Notices. Bllycr UDdel"llIIIds tblll pruJlt:rty iD~cctions, Cttljfi~s mid/a: ~iolls call be .x:rrO:n1l:tl by profl:s;;lOA-d contI'aCtOrs, home r.l";peclo~. ~!9 cn:inccrl>, lIfcbiullO "lid mller proflCtty Iktm..<;;cd m otht:f'w~c <\Wllified l)mfeSliiOlr.lls, ~md m....)' Jl1CIUde, Iml 1I10: nollil'ftikld 10: stmctu!r.d c"lllJWl- UCIJt!i; mnf; merior 1l"~ anti exterior doors~ eucrior siding. fil~a.. .!;I.ners -.d dmnspolllS: s~imming pooh., '-" h1bs and ~'Pl!S; ilppl~, 21~ clectrica., plumbinr;, heMing !U1cIl'OOli::Jg $Y~ns; ,-;liter pmelraiimt; cnvircmmc.a' 1I1Z3!'d:; (e.g., mpld, fungi, indoor aiJ '1118lil)'. alIb;::;;.OIi. uodcr- 2~ p-oUftd st.I>ragc to.IlltS. a.:::_}; c1cClrOn18~nctic field" wetJencts .n!ipelC.'.ti.on; flood plain '\-er1t1c:llic.n; pt&pert)- bou!ld~!squan: fOOiage vC:1iiieatiOfl; Z~ and any Oilier iM:m!i Buyer n'lllY sc.t...-cr. Buyer is adl;iscd to inI.~l~k Olsemetla. deed ant PSI: ~ctioar; fu~clllding B)' hislolic prc.\lnllltOIl ~~ mtOcXliom> CIf' onfinaac..--s) ihat apply TO .he Propedy and 10 I'.!vi.::w local 2DII;ng onij~ (kiltr pro\isiGI1$ of tIIi~ Agreeromt m:ry prU\lidt: for inspections, ccrtifj~ iIItdlur- itwe.c;tigabons 1h8t are ROl "";W.~ Clf:dlcred by B~-~ clccIiM bcn:. o WAlvr-:D.Ikryc: bas Ute option to ~Q;lduct property ~lioT~ u:ttiflCiUi[>!1S ~OC' _v~ligatialt~. 8u:~.f WAlVES THIS OPTION and ~ ~(lo the RELEi\SE in J>>m~...), 27 .of lhi:; ;\grceJ'lletlt ll.1 ELECTED. CQ1l.i.~ J'cnod: :0 days f I 5 if JJ(JI ~J!cd} [TOIl' lhe Exeeurion J);!le of .hi" AgrcOTlcnl fA) Wititill DIe Cnlltlngrlk" PCI'illd, Bu~er, ill 'Buyer's ap~ 1M)'l1iWe inspcctiuns. Cer1ificmiorno aml.<< iM'C$Ij!Jll'ioA~ completed by ~r- z::c Iy lit:o.'Il$Cd Qr C1Ihclwi5e quolifihl flI'O~Dl1;\ls. If Buyer dt::~tS to llav.: d home ipgpcoion of die Propcrt).', liS dcfmed !Illlte f>elUl!i.yhnnia Home 2:! Il15pC'-'iolJ La.u' !!lU IArorma1iOf! Rcgardill! lite Home Inspection L8'y).lil~ holne ;m;pc:et iotll!llb1 be pr:a-fonncd 0)' a filII maI~' il1 ~ol)(! ~i...t;1d- w iog t.r it a3liuRalllOmr i~ ftSSC'Cill1ion<< a persnn Sl~ed by ;J full l1IeIJI" of :llfano.:tl home iDsp:clion l\SSO{'llttion,. ill iKCOCdaQr:c :Z! WM (be erhiall s:tKndilfds artd rodt.' of condud or ~..:aitt~ of lhat associalion... or by 3 flroPCI'I.y licensed or 1';:<~is1cn:d profcslOOlw engineer, llT a ~.. pr.>~Tb-' k..--nst.-d or l~ir.lercd llTCbilttt.1lli.... t:nIIIilrJtilCY docs Ilt>l i1pp1y 10 the Inllmoring C'tlsring condilio.... IlIldioT itcnlS: !fB r:e PS ,~ 181 i!~ ~ i~1 ~~ llf.i i~ 1~ la? 1U l~" ~-9 If" :;1 .r.: ;9~ 15~ !~ 19'.) 1!!!; ,10 U1! I'J!' ~~ 21, :!il 2/1. ~4 :!OS i!l~ 1~ i>.' 1;S m i1J}. Z!.t ~r. ~7 ~S! ~lI!! ~. ~M u. :<00 -<Ii! ~!() %,. ~~~~ :t:! ~a 2t~ ~.3. 2'S ~1& 2'1: 117 ~~ ~ ~ .<Z1 m m ~u ~Il 2t~ us '.2'S ~~- ~.!~ ill :127 m :1211 ~ (Ts) IfBuyct' is U(\t salisfied with till:: cntldi,i.ln of tile PrCJpCrty illS ~1I1ed in lbe wril.'Cen illSJ}c:ctioo n:pon(s), 13uyerwili pltX.'ttd Ind:r on~ ot (he foi. ,~Clg OptiO'~!> as li~ ill palagltlph J{l widll. .. COl1ttngemy Pt-riod: ,1Fl. Option I a Option 2 'For tile IJUf)IG5CS of h1':lg"'Ph 11 "'Y, '8~ agree... 10 aa:tt:4 Ihr- Propcny with the ~Its of aay n:flocll!') and ;\grotS k.' :m the RELEASE in n:o:;raph 27 of Ihis A:recment if the tobIl:OSl ~o c:ort~ lite condirio..:; ~rJled in 100 report(s) is l::ss than 6E' $__ (SO if'llO[ sp~ir1Cd) ~Iile ~D~lICtibk NlIOllnr."'}. Otl'erw;sc. all j)tovilliollS or para~aph 10. Oplion 1, sh."u 2~S apply. c:.tcqT. (bat SeI~er __ill be deemcrllD ha"~ !Wlli'ifiGd dx: lamS ofBuycr'ii Pr~ .rSilller agrce.... io perlonn cam:cboDC; 2;2., or olTer Credits ;:uch uuu tbe CUllBlati..-c ~, of any UIlCOrra:lcd or ~tlildl conditiol1ls) is equall<llWe Ileductihle A moor.!. %23 un ~ ~ / "yer Inhi:tls: tiY6, I;~ , 2!e s_._y# .~S-R ....t:e " of 18 Revised 9$5 Oct. 11 06 01:50p RHONDA A COX LO/OG/2006 13:58 FAX 717 761 4331 (239)275-3998 p.13 IiliLLIlJ< 'lULLJAJII.:> ~ r.-'., ~- BUSIJIlESS SEiWlCES!-OR AE/li... ESTAtE (I!(}O~ 5SS~90 Bi! 12. WOOD lN~TATJON INSPECTION CO~TL"GEf'i(Y (9-t5) U V;i\IVEI). Buyer has 11M: 0fM1oA 1(. bn-e tt'.e Prupeny Inspected fur wood IIlfcstdion by :In impa:tor ccnil1cilllS a ,-'IlOOd-dest""ing pejl~ pew- cide applii:lllor. BUYER \VA TVES THIS OPUON iJud a~ to the RELEASE l., :patiIgrnph Z; (If litis AgrecmeDl. '16 ELl5CTED. COlltingeoc)' Period: 10 dll~'$ ( 15 if not specifi~ lrom lhe &eauioo Oaic of l~i.'; Agr<<OII:Dt. (.~) With.in tJ., CUn1i~lIt'! Pftiod, 8u)=. a1 Or1Yff'S ClI.pcnse. may obtain a ".;rif1c:n "Wcad.llc.smJyil1~ IUsec\lnres...ti01'l Ins;tectD\ Rq)!)rt" ;:~~ fr;)m au impeaor ceni.iicd Oti :l woc.>d~~~ins pcsl~ l'lc:$ricide appllCMfll' 9I1d will tielWcr i. alld allliIlppRttil1g docunr.nu lInd dl'HWUIgS PW- ?C vilied by lilt: inspector to Seller' rOle report is la b: nlaclc saMf.h:ltWY to:rod in rolnplial~C wilb IIpplll:abil:. )iI\\~ m~D~ lender n.-quirelfttll.1S, :}~:; andlor hckntl rnsuring and GuaI'lIlltl...eil'lg A~-y rcqul:<e'JitleIlIS, if any 1be ill-;p.x:liOl1 it- to ~ limiloo 10 all r:::adily visible- alll~ ac;~sil>lc:reas ...;.: of al! s.ructurt:s on lht: Prop::n~' (,'xccpl fence, .ml! ,lie follo'.villg ,tmel\t":"', which wil! n\ll bo: inSllCCl...d: cv; 1St -::~~ 1>~ ~ ~ ~,;:;: :~; ~). ~~~ ~4.:i 2~? ~..g :~:;f, ~47 i:B) If Ihe in::.J'CCHOR rn-eals ..o;,,!:' Jnlc'llatiC)r.~,,), BU}'CT, at B~y.:r's ~ Ilia)' ..ithin tbe CtIl11btcency PericJd, ob;ai!12 Proj1U5ai 1iT_ a "'''00;;;- dcslr~ ~1S pcsUcidt arr"allilr Ii) ~;M the PmrmY- fCj I f ,he inspe::ti:m JOiea..~ damage from acb\iC or prev;l.'l:S in f~1atioll(5), BUYl:!", al BlI)'Cr's <::'\perI5e, rIL1Y 'Within fhe- CtJUtin:.teD~' hOod. Oblillfl 11 ~mlen:-cpt'IFl k.ma ~ !JrofCS!'i1an31 eGntJ.oclOr, nP!'ll= N15Fcct.m" or !iOUCiVfill cllSi-.:-o dwt ili !imiu:d IP slruchUOtl damage to tIh: ~ t3used by woocHIe,1rCjo'iug :Y"".,:mi$lns anri.. ProilUSO!l I{t repair ;;nld!ot- rr.:a: dlC I'ropcray (0; If B~'"r is not S3lisfial with lbe cl....ion aflhe- Propcrtr i\S ~latecl in Chi:' wrillCfl ....specrion Icpofl~S), au~-er will prncced under om: of!he tOl. 1"",-IDg Opti",u;; as ~ed in p.~1l 'G \Yit.i. 'Il~ COlltilltgeUC}' PKied: o Option I 1i( Option Z 13. STA'Tus OF RADON (CJ-f5) 4.te: InfonQllUon RepnliJl! Rad.JnJ (.....1 SelJf:r h~ nil 1m ow ledge Cl)lltCl1lin~ IIIG pre!;t!'llCc or absence of radun UJlIe~fi ch~ckcd below: o I. S~lIer has kl)(lwlcdg~ Il1al the Prop~rty \Va, IcSlcd ell lhe dales, hy fhe lnt:lhod~ f.e.g., Ch;ltC:001I callister. nJpha Il"Old.. ct(.)_ an..! "'till 1'1C 2S~ l't"SUllS of all ~1S indicated below: DATE TYPE OF TEST RESUI~TS (picoCuriellliler Of working 1C\'CJs) (,:o.~ :Mil 1;;';) ~') ~, ~i\.l .:";::t ~" -;;~ Z!.; 25:l '~s.' 2S' ,s:i ~it!:." 15& ::!ii m 1sa 2~ z;{) lD:l ~El (.s.~ ~i,1 :'G1 ~52 ~fj2 o .2. Si:'Uer 1m:; lcno\\'lcdgc llud the PtUp~ IInOOnA.'ell1 [(Iden reduclion m~.a"11re~ tin the d:nc(s) llnd by Ihe lI1ethod(s) llldicalcll beJuw: D}\.TE IIp,DON REDUC1'ION METHOD ~~ 2M ,oS 265 :!&-li Zl.! ~e.Q ~7S COPIES OF ALL AV,\IL;\8LE TFST REPORTS will be dcli..ered ((, Buyen..irh Ihi~AgreemelJ(. SELLER DOF..$ )I.~T WARRANT ~"i EITHER THE M'ETHOnS OR RESULTS Of THE TE.STS. (E) &DON .l.NSPECT10N CONTINGENCY ~ WAIVED. Buyer tilt:> rbe option 10 hll\'e the Pmpeny inspected lor radon by .1 cenifit:d il\l\-pec\l.)I'. BUYER WAIVES "/'fnS OPTJON and 2~ ftgJ-ec~ l(I the HELEASE iD pa..-:tgraph 27 of Ihis AJ..,'TeClllCIlI. o ELECTED. Conting~)' Pl;riod; _ day~ (15 if not :;pecified) (w:t1 tho: Execdion Dille or this A~ree/llcnl. Within the Contin~Cl'le'y Pa'iod. Buyer, 81 Buyer's Cll!'lOOSe, DlUy oblain a radon lCSl of Ihe P.ropcny fronl n certiiicd inspector. If Seller :m pelf emus ,my ~ad()n Temcdi:ui(ln. Sellcr will provide Buya n eertificlllil'Cl t1\31 the remcdiatiol\ wa~ performed b}' a properly Iicemcd and ~74 ~r:ifi::cl r.xlt>J1 mitigl\l;of] .~ll\lp?ny. i. If Ihe wrllll..-n teSt. reporl reveaL~ die presence of r.ldon below 0.02 working levels or 4 piL'OCuriesflilcr (4 pCiJL), BUYeI" accepl:. Lhe 2.7i) Pr'olx:ny and a~s t() lhe RELEAS I! ill p.vagra"h 27 ()f Ibis Agreement. 1. lfdll~ w;-ittcn ICit lepo!t reve:oll~ me preseDCe (If l1Idon at or e)>cccding 0.02 won-ing levels Ql 4 picoCurieli!Ji1a- (4 !,CilL), Buyer will 27a ~ec..-d under Olle of.ll<: tollowio~ Opljon~ as listed in pamh'r<\ph 10 within tlw CODlin~eact' Period: o OptiOll I o Option 2 14, STATUS OF' W-\TER (9-U$) (A) Seller represemJi Ihat Ihe Pf<1J>erty IS sa\'Cd by; o Plt"lic Waler JEt On-sile Waler o Commullity Water o None o (ill WA'n:R SERVICE I~SPECnOl'" CO/,('T'NGENCY o WAIVED. Guyer bas (be opliolllU ha...-e an inspeeti(tll of the qURli~ aod or qUt\T)I;ry of the: wIlIer ;;ysl.em flY-' the Property. BUYER WAIVES all TH1S OPTION and ",;rees. 10 the RF.l.Er'\SE in paragraph 27 of lhi!' Agreemenl. m ~ rLECTED. Conti'\ger1cy Period:.J:L. d."lYs (15;r not s~~jfied', frol11.lhe Execution Dare of Ihis Agreemenl. 2~ \ I. Wltl1i" the: CUlltillgellC)' Period. Buyt:l'. ar Buyet-!. expeD~, may Obtaitl lin inslJection orulC' q1l31tt~ aodi<Jrquanlity cflbc 'Wilrer l'YS- ~!:; rem li'Dln OJ pJ(lpcrly licel~ed W' Dllterwise qualified walerlwetl resling conlplD)'. 2:\'; 2. If r:(luircd by Ih(' iR!i~tion C(1ll')P;IQ}', Seller, at Seller'!'; expeJJ~ ""ill locate and pruvide ac~ to \lie on-site (or illdiliidllill) \\';IIC1' 2ft" .~Ylllem. SdJllr ~l.io a,gIC:CS 10 reslOIe the ProPel1)". ;rt Sellers IlXp.!JJSC. pri[1f l& seltlemCftl. ~K6 3. If Buyer is 110\ s.ltilrtial with Ihe coodilioo of ll\e W"dlcr ~}i$tc:m as Slalc..-d in lhe writICU imr~tjoo rcport(!:), Buyer wi:! proceed uruler ~~7 Oil\: Of!llc following Opltons lit> lil'lcO in paragrolph to wlthba tbe Contingency PeriecI: }l( Option j Cl Oplion Z ,;~ 2~ 2Si> 2i~ 2~ 2.: ~ 2Ji !i? ~n na: ~:;:~ 1j~ ~!.,:" ~n -;;n ;!is ~-?) 2~ 2S:) U! 2&l ~~1 ,~z. ~~ ?f.t 2:;2 2.3' 2~4 2i., ~i5 ~ zat; 287 Z8Ii ~&~ Ul~ ?~3 ~!i ::SLt 29\ m ~)J ~9~ 2:5 m 2;p' ~e 2iI~ ~gs ::9~ ~'Jil .j.j"ni 1m BlI~r l.eibak ~/w I ~1 ~-~ AIS-R ....ge S ., 10 Rt'wiKd 9105 Oct. 11 06 01 :49p RHONDA A COX 10/06/%006 13:59 FA! 717 761 4338 (239)275-3998 p.12 K,t<;Lt..ta< WILLI JUIi:) aa! r: '..., '...... BUStlllESS SE....V1ces FOIl REAL ESTATE ~8COI 555.339~ :lll2 JO~ ro. ST~TUS OF SEWER (9-05) (A] Seller rcpreJ;cn\~ lllllt lhi: Property L-; ~rvl:'l1 by: o Public Sewer o lndividual OO-IOT Sewage Di!.qJOS,ll System (SC~ Sa~llge Nollt:t I) o lndividual On-lot SewLlg<: Dj:lpOsnl SY1iIMl in proximity 10 Well {see Sew~ Notice I; 5CC: St.'wage Notire 4. iI applicable) o Communi", SC'\'I'iI!!C Dlspo~ S"!o1em o Ten-Ace Permit Ext:l1lption (S~ Sewage Notice 2} o liolding Tank (sc~ SCWilgt' NotiGC 3) o ~t: (sx~ Nolie t) o ~ :\.\'~'f'Ptpnir Limil~;cn in_ Elfccl1scc ~ ~('/.ice 50) l,ia ~.....-i~e4 t..h.._" o~ ~ !~ jt~ (U} f:\lJWJl)ll-u' ON-LOT SEWIlGE DISPo.~.\L lNl'il"ECnoN COftlTlNGEN(,y o WAIVED_ Bu~r h&1s the option to loa...!! 311 in5JlCeUon of!l1o: indPiidu;a I Oll-Illt SCU""'!:,"t: dis"13il1 sy;;;l~" for lile Prnp;:ny. BUYER \VAJVES THIS OPTION and ~ 10 ~ RELEASE io parll~ 27 oflh1s .~t. ~ fl..F.cTED. C'..MtinJCRC".1 Period: _ days t 15 if 1101 ~cificd) from Rhe Execoholl Date "r this A~. !. Within tM C~~ "'~riod. 8uye:". J\'i Bu}'ef'~ expei1Se, l1IIlY nNain 1m i~ oj the iodWidual 011-101 scwzge disposal sys. ;1;; tan Imm a q1I;)lIDcd, JlfOfasjOllltl iuspcc.lor. .. If aJId is requin:d by CJt iOspCClioa oompan}', ~llcr> ilIl Sella's c~p::me. ....;U 1<<a1c--. fM"O"* acce5S to 0Ind eqJly 1he inclividuni on- iO\ _'age di!lflOli'll sys&em. Sdlcr u.iII alliO Jcspe d.e ['ropeny. at Selke's opcnse. prior to:scttlatJCMl. , If ~ i..~i01 n:polt l'C'-'CaI:> dc:C~ ,h.t do n(JI require ap3lliion or tqJlacClDel'l1 oflbe e~isL1ng individual on-lot sewage dispasal .,.. !.'YSWIIl. Bmo-cr ,,,m pooeed limier one flftlle fullowi~ Options mo.1isIecl ill parag:-aplllO *ith.. lhe C....iBgepty "mod: )g OprioJl I . 'jj Optiftll 2 4. If .he ir.5Itedinn ~qKIrt rovCills the bC.:d ro expand or replace /be c:xisaq individual on.lot SCWilg.e disposal system. Seller- 111lIY. wilbin ~ n~Ys or rcceMn~ 'he ~ion n:p..'lII. submit a WritIeJI C.om:cti\IC Pn:lpo5Id ("P~1j to Bu)ler- The PJ'l)fI05&I m; will iDCblde. butDPl be linrikd iQ, the name of ~ COllIpaD)" ID pedOnn abc expaasiao or J'Cpbcemc:nl; prnv1slons for~. iBctlld- 327 tOll- relc:;ts; _If .! fll'Ojecsed eompklien dale for CPm:Ct~ n~uJU.. Witbifl -L DAYS of m:ei\o-IDj; Seller';; 'Prupolial. or if no PrltpIJ5II1 is proriMll ,.itlda thr time givea, ~r wil1l1Olify Sellu in wriIiac of Bu~'!' a.aice to: a. A~ to Ihe terms oftbe Proprri:al, if lIny, ",iERupcp Buy~ aa:epIS Ibe Property and ~ m;he RELEASE ill pmagl3Jlb 27 of J3r. tJ1is Aerccmml. OR b. Tcnni~c tbif AGf<<mcnt Ioy ..-rilren rJn~ to Seller. wilh an depo~ mm~ Jetumed 10 Euyer ac:corcfing to thr terml> or f1iJm. 3-3~ graph 30 oftbis :\pecJlll:nt. co- Accepllbe P.ropeny and the exisliMS ~em ad iIgtee '0 die RELEAS6. in paJagJaJ)D r: of this A,gpx;tr.enr. :md, if n:quiJed by :m "ftY :.~ Icnlllcr and:or lIDY ~_neoIaI 3lItl..,.-jty. .:onuC die tkrcas btfoIe 5CldemClll or -Mlbirl the lime lUJUired by &he m mor!gar.e Imdes: and'or- ~'l...-cmmental 31l1l1ority; .. Buyer's sole C!l:peIJ5C.. and wilh pami55in1 and access 10 the ~ ~ boy :l;i~ Sc1kr. Permis"ioa allld aca::;s D13Y not be unreasooabl) \\'ilhl1dd by Seller. If Seller deai15 9t.,.er pennissioo lIftd!(lt" acxt:Ss ." C(IJ"- ~1 red tIE c'refccL'i, Bu}'CC 1IIiIY, witbin-L, O..\YS ofSdkr's deniAl, 1imDiJJ:t1e dlii ~ by ",,",ten l\t'll1cc \A} Scllcr. ~oj;b HI! deposit ITlOn~<; rctumcd 10 Buyer <1C1.:\',rdiII!; to the:: lams of parngr.tph )0 Dr dli~ Agreement. 16. HOME WARR.""-NTlES (')-05) ~\t or bcfof<'> setilemenl, cilllel parly mny have Ill", Ol'POnl1ni:y to I>urchuse ~ home wilrranly for lite [.roper:)' frtllll a third-lllITty vlffiJOf. Buyer and :M! Sclkr Ul1dersland Ihar a IKxnc wartll1~. for the Propo:ny doe!.. pol a1~ art}' cflKlosurc n:q1lirelncnls of Seller. ",ill no~ cover or warnml JID)' pr::. ;;42 oisiin! dcfe;;Js of Ihc Pl-qM;rt}, illId will 001 OIlter. arai,,'e .. C1WJd lIDY proyiHollS ofllli... ~ rtg:lrding .-JSfledioDs or a:rti~GiItions dtat :u3 Bl.rp has. elected or waived as pan {If..~ Agreement B\tyer wid Seller U1utm1li1nd ~t Ihc licensee. broker or mo~Yi: lellder who ()(de1'$ tbe 3ll-I boRIC W41JTaIIIy n~ pI~y n:;:ci.-c ;.\ fee p~;d by Ih~ hooJe warmlll)' OOIIlpan}'. 11. ZONING CLASSIFICATION & VE1UFlC.;\TION Of liSE CON'flNGENCY (9-95) (A) failure of Ibis l!\grce1l1elll to contain the "Zoning. cl~s.<;iffCiltion t\:tc<..'f)l in ca:;cs wm:re the propi:rty {:a\d each parQ;:!ll1cre<>f, if sllhdi'\'ltJ:lble~ is :t,:,i' zoned :lOlel~' ill lmmlU'ily tQ ~rmil lOillglc-l3mily uwelliogs} wm render (hi.<< ^cr~lllcm voidable ill Bu"er's option, nnd, if ,,()idcd. any dl:J1'Osil.s 348 telHlercd by I he BU)'t1. will be: rent rued 10 the B lIy'l:r Iytlhoulnny rcqulrclJ1ClJl lOr roUlt aCIKln. Zonitr,; Uassi6catil1lR: (B\ CoJllingcncy 1\IDod; _ d.'Y>' <..7 if JMIt !ipCcifieJ) m.n ,be ExeDllioll I);d&; of Ibis A;reemcoL Within Ihe Contingency Pf.iod. Bt'Y'=f, ill Buyer's c:I;p~, ~y vcri~' ~ the pl"csent use f of ~ l~)my is pcmllttal. IlItbc CYC1lf lbe pltSCUlll5t' j~ not fltl1llimd, hy;r l!iQ. wHlJiIIlM- CI....;"J;eQ~. PeriodJ gi~ Seller l.mller. nollce Ihar too ~I use ~f the I"mpdt} i!i aut penniIled ant... DaJyer wiD: I. Acccplthe Prop::ny ..nd i18ree II) the RELeASE in pnm:;raph 21 oftbisAgrel:rnem. OR _. T l".rllJinalc Ihis Agreement by wn llell LIDtic:: to Seller. wi1h ~II dCJ"l~.~:l n'\Qni~ reblmcd w Buy.:r accordill~ 10 the tem.lli Qf pMilgl"olph 3{lof .!5C Ibi;; A~l~em(nt. J r Bll}'-e... (ails to r~poud within 'be Coatin:enty Period 01' does Ilot Eemtinate .bls AIt~meat by writlen notic:e to SeDer- within .i1al ~ time, Buyet. ",ill llCcc.'Pt the Pntpe"y and lII;rft to the RELEASE in plu"lI{:rnph 27 of'his Agreemt.'nt. 18. NOTiCES.. .4SSESSl\tEt''HS & crRTIFICATES OF OCctiP.~CY ('-OS) (A) SeJlu ~s, lIS Ilfthe dale Seller ~ _s Ag,rranenl, tllal nil p1Jblic improvcmr.ml, c{lthiomiBium or ~i1Ssoeiatian astleS5IlI&:sltS :lG~ .~\:: bci:D mad.; ;!g;UDst the 1'RlpCf1)' whiclJ I1:IiIW Impaid, and "* no notice by ilJ1Y ;t'YOlIlllenl ... pab&ic iIlJ'ltority has beI.."P senred UPOA Seller :lii? or aJI)o'OllC QII Si:llCf'''; behalf, iodlldin~ l1lJli~ celaIiPg I(> \.-1olations GfZDllmg, llousing. ooild~ 53by (.II' tin: (1IJ'dj,1aI\Ct.'S IIJiI/ IefllIIiII unWl- 383 ~"'ll, and lhat Sener tnou-'S of no condilil:JIlb3I \1ItOIlld OOflstinllc- CI violation t)f iID)' ~Idl <'RfinaO::e$ tbat reml\in IlJICOII'\XIed, UPI~ ~l:\t: ~4 specified kH:re:_~___._.___ _. (B) ~l1er lr10'~'lO of no uther plttl!J1lial notices (indllliil'S ,,'ioliilil'\ns) and/or ,,:;~.:sS[lI~:; atCt:Jll a~ luIJowl>:._tili.c. 15, :l6:l ~ 30j :\0:; 3-t.~ :tilt ~.C::i 31'7 ~S? :taii 31la :~ ~(; ~:j9 ~~ll 311 ~,n :tt~ ~~ 313 3i:: ~'(i~ ];:: ::t5 ;116 n5 JIG .iili ~1. J.l~ ;:ii ::;l!! :flU ~ ~! 32:1 ~~ m !:!( 31'; :!~ :;:;s J!~ ~? YLS 3~4 m ;;1'; J1, z.,~ J3-, ~ J..U ~~ ~5 :;.~ ii7' 3iB ~ m ;l:..~ :f~ ~-w .M: ;;-; m ~ ).Jli 3.17 ~~5 ~6 Mil 3;\~ ai 351 ~9 350 :tit :-c1 "3..~ 351 :A~ ~ ~~ ,tS5 ~5:; ~1f~. S!iT 3;1; :.:t :!5i ~c JIO. 3SW 36!i ~i2 2.~ W 3..5 3Gi 3~& If ,.h."" ~6 .::~? ~1i~ Bu)'cr IDithds:~ l~ ( A.lS-R Page (j Df If) R~'i5ed 9/05 ~;~h ScUur.litilll~_ :;&,5 Oot .11 06 01 :49p RHONDA A COX 10/06/2006 13:~9 FAX 717 761 43~~ (239)275-3998 p.11 l\J:l.1.L~K "1 LLl J\a., .. ae"""''U~ .....W' T r" ~' -. - - -, BUSI>Il!:SS Sl!AVlC1:S FOR I'll:..... EsrATE 100:11555.(1390 ~--, (G) In Ihe'l!\.'ent an\' nori1;es (includrll''': ~ttl13,il'1ll.~1 und.'Qr a~C!I!ill\enlS lire recci\.-cd after Seller b:u: ~i~ned lhis .\gn;<menl alld befon- seldmenl Sdlcr will ~ide a top)! of the ~ ilnd-Or ..ss...~mel1rs to Bu}u "J)(l will llOtify Hl.:Yc:r in wriling lVithin --2- DAYS of r:ccivillg the nob::CS alldlor....~ thiII Seiler will' I. FilII}' comply To';th the: l'aOticc:o lIUIlior Alil:'SlI~ al s...U'I'{ '$ ~ ileloft: se:tkmt:ni. Ii"Scllcr hilly complies .....Ib {be norico ;1l1dior ..r...~~snxm~ Buyer acl'\.-p1S the Ps-~rty .nt! a~~<=; to tile RELEASE III p~raph 27 of Ibis A/.lJCement OR 2. NUl comply \\-ilb the noI~ allelio: OlSfiCSSmmlli. IfSell<:r el10UlieS not Ul comply with the notices aadior :\~S~!>lllClltS" N fllil~ wifbin tile ~"'.:l rim~ p.e. to notifJ ~ whether SdIer Will COftIply, 81ty<:f will flfWify SdIcr in ",,'ririn~ wirhiJl -2- DAYS ilia &)'Cr will: ;L romply with the nollc::.e.'i andim ~~I!; 31 Btt).(..~';;. opens.e. accfS)l1he PfmJerly. iUld ~ to the RELEASE in panI!U7.ph 1:1 of Tit; 11m; Agl'CCl1lCl1l. OR b, T::nni.3tc: r:lUs "\~Icnr It;' wrill~n not;';'>: II} Sella. witb s)1 dtpos.il IlWuics I~lumed 1\) BIlyt::' 3C::UrdUJ!; 10 the UffiTll> l)[ paragraph ~:'il 30 ~f "is Agn:clllclIL J~ H Ruyer taik In l-c:spond withi. tbe liml! ~tawd itlpangraplt J 3 ((.1 (2) or f1lil5 Co trnninlltt this A1;l"ftmelll by mitl~11 1l00tt tG ~s.; Seller 'l\-idrin that ci_. B.'"f'r will :lc:upt the f.....~. snd IIgrer 10 tIle RELEASE in pDl'1l:uph 27 of tbis 1\~rttWl"llt. (0) If re~pired by I.n>:. .....ilbin ~ DAYS linta cbc L!CCC'Jtion l>atoc of Oil'" Agrcemelll.OOI in 1~ i'3SC lalel' than 15 d:i'r.' prior t4" scfIlemenr.. S:llcr ~r; ",.ili ortla: 31 Sd1ei's e:tpcMC a ~irlCill'icI. from lbi: lIppr4JJl"'i:lte fllllI1icipal dcpanmomlf,s1 di:;clo!.iIIg lIlOlice &f any uflCCln<<tctl vi~I;Jrion...;; pr zoo- 1I1~, hOllSiil~. building, ~r;;lY N fin: ~ ..a:br it cedifkale ,-.mninUJg nccupIIncy ol' the. Pocperty. If Buycr n~cciv~ a oolice of any n:qtiircd h.."Jl:lintimpn.w.."flI<,.'us.. BltyCr wtll pronlf'tly deliver \I COI,'}' eo{ thi: oolicc 1(1 Seller, I, Within -L. I)A Y 5- t'f rec;owiIJg. ooriCl:' fl'Olll du: municip!lil} ti:1.1I rcpilil'sfil1Jpnm:mi:flls are f'equirtd. Scllcr \vill notify Buyer in wri,- ing lhal SeDer 1II'ill: :l. M3lce lbe required J~lInprt)\o'lCmCllts to Ille s:ltisfaclim of tbe Bwnicip:llity. If Seller m:dcA:s !lac ~.in.-d rcpaiW"unprc,W~'fII::n1S, Buyer acccpIS ch.: Pmpcl'lY aucl Ol~ to II~ RELEA~"E ill pacag,l'2ph 11 of It.i$. ~\gmemenl. OR b. NOI m* 1m: ic:quif-rd rqJairsflmJ);"O\-ecnerdS If S.:ilcl- c~ ;wi \1) make the ~,Llir...d rcpainJimprm:cmcnlS. BUY-eJ" will I\Olify S~Ik.-..: ill wa-iling within --1- DAYS Ih. RD)'I!f wiR: tJ) Make Iht: repr.i1!.'impm\lQJlCl'llS al B~'Cf'-s o.peI1~ with ~DIlllnd il~ to Ik 'lllJl)tlty ~M:n by ~"k:T, wllich willlOl 3!l> be unreMOll:Ibl}' widlllelfL OR (2) Ta:lIIiD;lli: this A~ by ,wilten notia w Seller. with all d&po~;i mon1es TClumi:d co B~IYcr .acooniil1g It' :he ae~Rls .,r para. graph 30 ohhis Ape:emmt. n B~ fails" rnpond within die ome stated ill pangl"llplll S (D) (1) (b) or rails In l~millOlte this .-\greemcat by written IIOtice to Sclwn.-il hin Ibot! dale, Buyer will :":~pf tile Property aM agtC'.t' to tR au:LF..>\SE in paT1lgl"JlJlIl 27 or this Agreement. and BII)o~r arrqM.' rile n:spumibjljl:f tAl prrl'orm the npainfilllprovemelllli xCO&'diog to th~ 121__ oft.ll~ n.~ provided by tlte municipality, 2. I f Seller denies Buyer rcrmissi{lJ11~ maKl: 1bC rcqlliml rq>>itsftmpmvcmenllo, or does II(>l. provide Buyer access befo~ se2t~ to ....e dr- ct:quircd rcp"irs[qupltwemelU,. Boy;:r Pl8)', wilbin --.i.-- DAY S, lemlinate thi'; Agrcemm~ b~' wriIIi:o nnticI: to Sell~, wnb all dqu:ll'it RIOIIie.~ returned Ul Beyer :lla:cJrding U) the lerms of ~h 3fl of this A.".nre::mmL 3. r r repainiimpr.weilJCOIS lIl'C rc:quired .lId Sella- fails to pnwidc a copy ~f the noaiLe to Buyer a.. Rlqllired in paragraph 1& (0'). ScJler will JX'rform ;,11 rep~mlpr()~Kn!S iI5 fc:(plin:d by tile notice lit Scllcr's~. Pll.......1t 18 (D) (~ ..& surwift Sll!t11ealCllll:- (E) .""c:cess to a public I'OBd nJ:lY require issullllCC of a bi~h_Y ~pDCy pem\i; ITmn ftI;; Depill1~ ofTl3IIspor1.2bon. 19. TITl.E. SURVEYS & COSTS (9-415) fA) Th:: Property \liilll:e C()1)C.'.:ye<I n-ilh good and lJ~r'k.c1ablc cnk: i'\S is iasur.tbl:: by II ~ble litle insun11l(;c CllIIIJfUII1Y llf tI1~ regular cates., (ree and ~i4 dear of all lien.... ellCUmPranccs, and casements, EXCEPTING HOWEVER Ihe ~ins: exislin~ deed .C5tridiCMS; h~ pc;crvarion ~Ii(lfl~ <>r wdmanc:~; ..tiding rl$lJictjons; c'\rdiJlanccs.; c:astDenlS af roads; QSeIDI:ItIs visible "pan the ground; eascmenls of .record.: and l'ri..ojl~ or rigbls orpuhlic scnice col1lpll1i.~ ifany. (B) Buyer will pay for dac fuUcwiog:. (I) ....11e search. litle i~ut3DCe andJor mt=cl1anics' llcu iaS1nClU:. or ~' fee fur colllccllmion; (2) FJClOlI ~\Ira~, 6re 'nMtr.IIllX \\"ich eUemll-d CDYI!nlSc, mine subsidence inll1l13J1ce., << lCIIf tee lOr callCdblion; (3) Apprai!:ll fCC$ and ehalges paid in advance 10 B~ge Iencler(S)i (4) Buyer's CtIS10111i11)' lidtlmwent COSlIs and ~. (0 My sun-ey DI" ;;un.-cys .-equiRd by the iifie instll"llT1Cl." comflllllFj' or die abst1'3ai8g ;)nom~ fur prep;HJ~ an ackquate k:g:Il ~ripliot1 of the ~ (0:' the cmndioa th(''R:Ot) will he obtained and paid fur by ~lIer. Ally ~. lIC sun-eys des-ired by Ruyer'" l'aJ'urod b~ lhe II'l(lr".g.agc lender will be obtained lIJlCt peid for by &ycr. to) IfSdlCl' i~ ul\ilble to gwe a :ood and ftl:rtc1llNe title and 5IICh a5 ~ il1llaaable ~ a n:pl.lI"l: lille illSllffillCC comprAlly at the ~Iar ~ lIS ~tierl m in paragn'll:lh 19 (A).. Bu~ will: l. .~-pt the Ptopaty 1\71b such Iille:lS SeJla ;al l;ive, willi no cb.1IIgC 10 lhe purrbu<: price, nnd agn:>e 10 1hE: RELEASE in pa~1.t 27 :>f Ibv.r ':;12 a\gft.Cl1lel!.OR ... TernUu.~ 1_ Agmcmeor l>y ~Tinen IIOIxe 10 SelID'_ willi all dcpasil mon~ mumui 10 ~r taa:ORIiag 10 lite IrTDIS of pamgraph 30 of ol,,:"l) 00, .\gro:mefll. UpctlllelmirlaUllr.. ~lcr will R:;,ubllr~ Buyer IG:' ;IllY ctlSlS mrorlCi by RlI!~"- for O1Jly ~!i or c.ertificantlllS OO1aillcO ",. Olr=rrdl11g 10 Ihe lC;"'f1S of Ibi5 ~m. anti to;- tbose items spccilicd ill paagrnpl, 19 (B) ilamJ (I),. (2). OJ ~nd in paragr:1Jlh 19 (C). iE.) "The I'mpeny ill not a .1\."'CICl....1 C3bUl- iIIi ddiued in lbl: hnnsyi_a C.oostn.,llon ('.ode Act 11Dfess odtc:rwise smed here (ller In'u.-tioo R~:lIi8~ kea'Qlional Cabins): 20, f' 'D()f.lI~lli~1frL.4.NNED COMMUNITY CH~'NER ASSOCIATION. RESALE NOTICE f'-OS) Nur APPI..lCABLE APPLiCABLE: CONDOMINIUM. The: Properly i:. a unh ~ II condOl1liWuln lJliIt is primanly tun by a unit own.::n;" iI..~lCia1i<1n. ~34Q7 ar ilia: lInitiorm Condominolm Act oft>enlllt)'h.'iIJlia (!l:C Information Rc:gardiB;,! C(>ndonril\i~ms and PIaclIk.'d Comona1ilies) reqtltlel: Sl!lIet" 10 ftrmisb Bu!e1 with a Cc..1jflC3k of Re;aIt .:tIKI copies oflbe condolnroiutn declar.c-:ion (other ttt.,,, pli1l.. and plans), (he bylaws and the rules 3nd reg;Jta- ~z, tioI1~ of lite associ;,aion o APPUCAB:"'E: PLANNED CO~:IMUNJTY (l-iOMEOWNER _~CL:\l1ON). The Property is part of ., p'-ed COIDmunily as ddilllld by m m.e umfi1J1n p~ C.o01lll1mity Act (~ IJdormaban Regardin!; COlldoot.ini.uatS and Plnrtned f'..ommunilics). ~5-107(il} (l( the Act requ~ Seller K) fumSb Buyer widJ .. (:(lpf of dK: Occl~ {oIbCT dill) pI.1s. all. plans),. tbe bylaws the ruL~ :md ~ratioo.. of' rhc ~11on, and a CatJtR:.ue CunIa.niag !he pro..'lSiOIlS set ICwtll in ~5107(3J of.~.....d.. / / f,!fO ~er I...., i:A# I V / ~fj~ <:m :no 3.71 ~~ ~72 3::0 Z'r..~ :~~ 215 $,5 1'.'3 JTl :;}~ :1~ ~" ~~. ~iai S~: :lEe ~Y.l 3~ ~5 )!if Ji'1 3tlll ~ 3!llI ~~ ~ :i.>::i i$ .m Jt:~ ~ ~~ ~! ~.; :ti? ~ $4 :l$S Sli ~3 :?;~ ~ * ;-a.!i ~r ~i. ~'5 ~ :;~ r:(n 01<<' EJ~ ~ ~!J~ ~ ~1)3 4M <IilS .of? ~ -If;j .c oIG7 ~ 4:1i ~ili ~ {1~ ..~c 411 ~n ~~ ~:; 41;,: ns ..~ 41: ~l~ .415 otIS ,;ii 411 .'i!i ~j9' ~1lt <~ ~ .o;!:l ~ m .~ ~ :1Z :.2t ~:F ..... ..... .m. -r.G 4!r ~ -'~ ~~ ..~i :i~l ~3:! ~ .;J: ~ ~~ :-3:1 !~ ~ AJS..R ~ 7 of 10 ReYisell 9105 S6r Initial~ ~ .us Oct. 11 06 01:48p RHONDA A COX 10'/06/2006 lot: 00 FAX 717 761 .(338 (239)275-3998 p.10 J\hLUJ< tHLLJJl.lI10 ~ ~ v........" ...,....._ J". ~ ..... ,.... 8tJ5INESS SeRVICES FOR ~AL cS'tOoiE 11lllO) 5:;s.~~ r+3u. ~:::. 'mE FOLLOWING APPLIES TO PROItERlUS THAT ARE PART Of ..... CO~DOM1NI{jM OR A PLANNED COMMlJNrrV. (A) Within ---Ii.- DAYS ff{lln tlIi.'. r.ltcculillO l)ale or this Agrc::ment. Sener, at Sl:lIer'~ C.w:peIL'lC, will rcqnc-:.1 ii.om lhe as<;(lc;lItion <1 Ccnificalc of Rc:.~tlc anela"y olh~r nOC\lIllCllts 11eC~\~aIY to cnahlc SellCTlo Clll1lply wilh ,he Ickv3n1 J\cl Tlle Act J1m"id~s Ihil1lbe nSS()Cilll'ioll is requill:~ri I() -13~ provide lhc"c dOCIUtll:nl~ Wilhi11 m day:;. or Seller's request. {'f:i (8) Sdh;r will nrr>\nplly ddivcr 10 Buyer all "OCllmc:nIS n:cci\'=d from tho: a~,;oc.r.lliol\. Umier tlx: lvl. Sellcr- i!'- lIet "..lble J(I BlJycr f(ll" the failure of lit\: ns.'i(lCiilijlln I() p"(l\'ide lhe Cc:1Hic:ltc ill a limet!' lI\lmllCr, Ilur is ScHer liable 1(> DLtycr for allY iIlCOlT~ infommtion l)f(l\i'!ded by the a~'SOCi- iIli.J!1 in the CcnifJOll-c. iq TIle ."~i pn~i~ tlt:}l 8uyer molJ declare hl' A~n:cm~1 \'010 III any tiule before Ou}-er recci\'C.'i the: ali5tldatioll d(K.tllnt'J1l:> and Lllt 5 cll1ys altel' ~t;; .c<<ifll" OR III1.ill<=hM=CDt. ",-hiJ:t.aoel' GCGImi (j~L Bt~(s l10ticc ill Seller mllst b~ in \l.'rilin:;; upun ~ declaring t~ I-\sreemerlt ..,oiIt, ;111 ~.: deplll!M momc:s win be J'C'tulllCd 10 ~r ac;c;:.1.-ding klll&- lemlS nf pm-agmp}1lO (\( b:!i Ag~emcnL (I)) If~ i1SS0l:WUtJl'. 11:1'; till: righltl'l buy U'.e Pf'opcrt, (rigtll or lirst r-~ia.""lj, ,1111t the: ~'iOCinrioo exen.;lSClt mal "tzht. ~11cr ,-"in rClmt>tlne H\I~-er for .J~ <l;1Y ::05l.. iocurn:d by Blip for an)" i~i(l.ns iIf Cl!r;ifical~ dlttilk.'CI xcnrdil:g to Ihe ICllJ1S (If the l\~'(!OICIIL ltud :Ill')! (.V~ "1ft:!(1 hy Bll~1 -;' lOr: II) T:tk ~ch. tiile ;IlSIIr.WCC ....!lor mceh.,,*;;' Jicll insaa-allci:.. or :wry fee 10.- c;mcdlallon; (2) Flood i;l!>~r:mo<: IIlllVor ~re ins'L.rana: ",ilh C"lIC&~lc:cl L;(l\'eTa".:. oane -iilltsid::alc:: jnsw:JJlC~.. or ~ fee fol' cotllcdlalion: (3) AWdA ~ a" cha~cs paid in ;tIh....)CC 10 JI'Icn~ ICJllJelf~). !1. r.Uli'l,jTENANCE &. RISK OF LOSS~S) . . (A) ~ncr u,.iIJ molininin she Pr~> groUllrl:;, fixtures ;I.-"Iti ~~I pI'Opel!}' $j}xitk-,oilly fis.led in tbis J'\tlree:RCtll iTl i~ prc.~~1 c<<1ndillOn, nmnlal ;j5' ~"l:3l" llro lear e...cc:ptal.. (P) If lIay !'}-stcm ()l( ~1iaRu Indudc:o in lIE 58k. or ahe 'ropen)' f.Uls bcf<<e ~. Seller ,,,-ill: !. RcpIlir or I~e Ih;: r.!ikld ~)'l>1all (.'1' IIWliance ~rorc sctl!cll\Cllt, OR 2. Pl'OVi.;Ie f'Tt>IJlpl wnttcn DOli.-:c In 811)..:r of Selk:r's decision co: OJ Clul:1 B,,~ al s:tIlet:llent for t1~ __ rnadcl v.aluc ctl me failed S)'SlCDI (lI" appliMice, iIS lICre;1labk Il\ the I1IOIt!Stge Icrn:lCI\~), if :Iny. OR b. Not repair oc r.:pliKr lite failed system or applian<<, a1tl1lfJl cedi. ~ at sell~cnt for tbe: fair marlic:t "llluc of the Iai~cd $)'Jlcm or l1pphnn<<. . 3. IfScllc:r dces nOt l'epair IN' replace the failed ~m or 3Jipli:aJ1ce or 1lgt'i:C kl4.'t\:tU1 3\1yCr for i 1$ ilir mark~ vnil1C. '(lr ;[ Sella fail.. 10 noti- ~~i' iy Bu~ of Selle;-'s clwic:e. BuytT will .rgify Seller &11 ",..iting wtlmll ---L- OA YS .. before Scttkmeut~wbiCbc'icr is emi;Cr. milt Sliycr ....i!l: ~l. Accept;be Prnpcr1)' aJJd agree 10 'Ite RELf.J\SE. in P....rapb T7 <.>f ltn~ Agreemr:.nt, OR b. Terminate Ibis !\gKCIJlCDI by wrinen 1lCllice IIIIl Seller, 'WI-ilh ;111 d~il mDllies reunned CO Duyer ltConJ.ing to 4ltc !Cf111j. 111' paragraph JO Of this Ag.~rnt:ll':: . . . .' (C) S~IerOOar; -:he risk l>nl)~S futm 6re t;1F uc.m:r amaltics .....it sc:Ulam:nl. If anr Pfo~ iochlded in I1ris salt> is di:ilro)'1lII arid nClt Iit-e!!, Bnyi:n~i:J: 1. ActqJ!" tbe Propmy ill il$ Ihen GUrr'..:&1t coodi+..io:i ingCthcr wi'" the ~ (If my illl>Ur.lnce ~L"O\'C1)' <JbJainabk b)f Seller. .00 2. "f<<minHrt" tbi:I A~ by wriUim ftOlil;e to Sent:r. >l\.ilh illl deposit mOllM:s tt:tllrncd If) Buy<:r xcwdillg to ,be I.el1Wo of.-..grr.pl> 30 of 4S1 thi~ .~l1'ICI1f. l2. COAL NOTfCf;. (WbM1: .o\,plicuble) TU%$ QOL"UMEI'T M.W ;.;or :!il';l.L OlNvr,v, "'..\~ ll'ICl.UDE. (011 1~lEl.E mt nnE ID "HE COAl. M'ITI RIC.HTS OF Slil'l'OlO' ,,"'Tlf.Rtcro.t'll nlE SliRF"'-CE l.A."n ilESCP.lOCD Clt IlEFDUi.ED T'l) HU.BN. ~"'l) 'lUF: ~ OR I.l~ or s\)CJt Cl:)i\J. W1W HAVE THE O)MI'I.E1'F. t.~L_ RI(iJrt T/) ltEil-iOVt: AI.... S~ICl-1 C(.1Al.;\''O ~, , P.O nl'IT C~OIO.~ n!.M.'\Gf. ~y IU'..."\.!l.T ro n~ SURfACE OF TIll: l.~:\HI) AN't tmu~. UUlUJIlliCi VIt ~ S'IRllCT"dlE 0It OR rs SI:t'H I-,~_ {This ~2 DOUtt i> ~I fustb in tlie milnuc;~idai in Sec'ion I ortbeJ\ctof July 17, [957, PJ... 9Il4_)".8u)-'end.-naWled~"CSltm be may not bc'.aini~ tbe rigb1 of rrot~bM apinn subsld= m;ultmg from coallJlining oreJ'3tiC11.'i., and !hat the propmy cL.."lCribed ~m )na~ be pT(lteclW jrQJn damage due w mine ~ by a private 00IIbi'..C1 ~ilh die (M'De:S CIC Ibe CUJnomic: V.......-ClU m the 00lU. TIw. -.ckl1{l\"led~t i~ nlade: for .be PUI'Jl'>>C of COID{tI~i~ with lhi: pm,,-isjl!llS ofScdioo 14 of Ibe Bitumin..s Mine S~id::tlc:ealld Ibe l.MId Con~Act. of April n. 1966:' Buyer "!m~ to 'ii~ ;ht: deed flDD. ~Ucr l\'l\ich eked will COIlUlil1tbe nfon:stid pIOYision. 2..\. POSSESSION (9-05) (AJ Pm"ie5S ion is ro i:e tIe~ l>y deed.. ~ and I. Physical fJO'Jl!'Cssionlu ..'3IC3Id Properly lh:e of c1cbri!l, wilb all 1OInICt\UQ ~ al day aod lime ofsdllemml. ANDlOR .. As.'ii:;lDPi:ll[ of~' e.~5hng lcaseM. ID!,.~ wilh ~ scanity deposits .00 irIlaest. at day aod rime.- or ~Ia_m. irPmpi:ny is Ic:<JSCd "1 "il1 Ill': execution of this ,'\gKcJncot. unlClis othcrwi~ 5Imcd i,t this Agtftmalt. ra) 811jief will ,,~'~c co i3iing lCL'k:(s) by irit1atit~ the lease(s) allhc ClI.CCl.14ioll oflbis Agtl%JT.enl. unI~5 otherwise "pccifiW Iii.-rein, fel ScUcr will auI ClIa Do any r~ ~ cueusiGns or cUsliog leases or additiDnltt teases lor. Pmpr:rty witbollllbc wrirl:ft consent ()f 811}-er. ~!..: 24. RECORDIl"G (9-05) This ~l wiD no! he ~nJCd in the OffICe ofal)C Rect'lfder of Dc..-ds Of in any GtIter office or place of public;; ReOrd. .lS~ If Bu~ CIIU.~es or ~ this A!f'CCmeollO be T<<onllld, Set}Cf'may dec! to irellf sacll act as a brellCh of thi!; Af.retmall. 25. A..~IGN!\fEl'n (9.f15) Tbi~ t\~~ is binchng 1IpOll die p"rtio:::s. their heirs,. p;::rsooall'ep!~rivc$, guardians and sucCC$....or!>., and Ie Ik a;:lIl:'nl ,;~7 t'lssi~k:, 011 Ole assigns of lilt p8diG hc:R:~o. Booyet- will DIll lIansfrr or :essign Illis A~ wilhoul the writlea CCIIlscat ('If Selb' II.~ o1ber- #ii wisl: sUlw m lkisAgn:anent. 26. COVER"Jl\'G LA'''''-' ""ENUE &. PERSONAL JUR1SDICT.ON (9-.85) c....) n~ \--didiry :md constrUcLi3n o(this A~.ancl the risllt~ and duries of lite ~ will be. gowmtC<i in accor(i:.JIJCe 'l\-ilh :!II!: laws of dIe Cammon\l.-eaitl. (l f Pennsylvarria (B) The pill1R:s ~ tbat ;my di5f1Ul~ cODlm~ N claim arising """er (r.' in eonncctioo wilh tbi:.-Agrer::mCltl or Its perrormmC'e by ci'..b.:r van)' .H'::: ~hall be decided exdusi'licly by auel in dte sllltcOf fwellll COlltb sill.~ in IIIC Cl>mmonwcaltk ofPcllosyh,af\;8. Z1_ RELEASE (9-It5) Rttyer n'~ tJIllt daims ad fOl'n'U' disdlaf'&5 SELLER,.~ BROKERS, dtftc LICENSEES. EMPLOy'RES .... allY OFFICER .r PARTNER of a.,), one ef th~m a.... lIIlY.rI1eI' PERSON, nRM or CORPORATION ""1ft may M liable by Gr Owough Utl:lP. from aII}':HId ..~? :dI daRns, tuSKS oar demaads. iltclediD&, bat not IiIIlited to. pI'.f'5lJ2lal iIt.jur~ ani!. ptapc:r1y cIal1uq.oe anti all dtbe~l5<lqutlltes mereuf. 'Whether ~ kPOlrlJ .... nol. which ntlIY :IrN fmm t~ pRseDCle .r termites .r.,.... WGed-borin: insects, .........e:ad-hueel paint ba-iJII'ds, nwJd, fungi or .a; indoor lIir CJIIlIIiI.)'. flr\ irOlIDlelll::tlllllZ.:Ird5, _Y ~(li in dR iutliYiclwil OII-tet se...."C: disposal !l}'sRm or drlir:i9de5 in c. I'n-dr w.t~,.. ~rv- &~ i~ S)'$tem.. or any ddeds or aJDdiliolts .. file Prapeny. Su.IcJ Seller IN! in default under tilt! tl:J'1nS of Ibis AJRC'I_at. or io '\iolation .r a.~ ~(ll iidJer ~ law 01' ~blio.. ths release cIoc$ Mt ~ Surer af 8ay ...... pllBIle allY l'1!-.cdies dial aay _ 3Qi1ab1e under Ia,~ OTft}UiIy~rclCIWr-I~ft~~ ~ Bu~-er htm.ls:if'~ / ~ .'\tS-lt I"uF II or It SeUa'lnitia~: ' Rt!"o-i$l:ll WD5 .ion 432 -t19 .;to ...1: .H!! ...i~ ~ ~.,.:: 4:!~ -~ ot~:i ~ ,,"-\ * .f.1j ~ ~9 ~~ 4::,f, ..!':~ J>! ~~ ~2 ill ,,~ .10,; ~s~ .55 rliS JSC; ~~ ~:i1 01..7 HS .!;~ .~ oitill 461 ~ 46:1 4/'.-1 *~ ':f'1 -ti02 ~ * .~, #h 4S .t';( ."!fi"; 4€€ ;l&lI ;fir. ~'9- 5;{} ,!71 .U2 JiG ~i~ 01'13 ~." 474 ~;; .oIi~ "'i m :i:i 47. >ti~ ~r, 41! ~ 4Jl ..uf 41, ~~ U~ 4,"", ;l~ '*' -"C .~ 41t' .!;;" ~:lI ~:t! i~ ~ ~I >1m ~~ .w:l. ~.. ~! oi?! ;tU5 G ~ ~!It ~ !~ .:!Ii ~ 500 S:!: sa< !i02 :iil3 ~ ~{~ ~ Oct 11 06 01 :48p RHONDA A COX 10/06/2006 14:01 FAX 717 761 433~ 24561 (239)275-3998 p.9 ~J..~l( ruw.JIUlO It!!JV..LV' "'AU ~JJ j;.b_ ...... ~ ...... - ~s..'i SEf!\j'~5 !'OP. Hl:A:. EST-oUE ~ S55.SJ90 ~ 28. ~ i:J6 ItRP~~NT}\;noNS 19-03) (A) AU n:plC=J1lIlioo5, claim.., adYenism~, ~rotuotiol1a1 .......'ti.vitli:s, brocitlRS O!' p1a~ of ~ kind made.-. by SeliCI', Bmkt"~~, tbe.r Ii:;c~~~:;, :;:Jnploy- 5.. ~. o~rs or parm:n.lIJe nul s pa;"t of Ihb A~!J"~ni wlle\5 aJ'l'~Y mrorpor.m:t1 or staled in Ih~A~~1 This A~r.:cmcnl o:oUii!m~ thc ~;r. whole ;tIZm."'ft1CP1 bel.ween Sdler BPII RuW:f_ anO lbere .~I\O Oilier 1e.'011. obligaliftns. L'OIIenan:s. repI~liom. MGlem~"l. 01 wnditior.~. ornl {'ol3 or 1lfi1c~-i.'lC:. of:my ~i,,<1 w!J.~l.lCt'ICr COl~&:nIi~ ;;.i..~. Th;:; Apeam:nl will nol be allcR:d. .acnended. c::l1an~l (WI' olOdllil.o ~CCJ11 in oa.nl1llg Silt excL:ldOO by tI!t: p;ar1~. . f>,[' iFli ljn1~ otUr-Yi.~ stllred ia tbis ."I.~C:_lr. BIl~u- iI.l!Ili ill~pec:n:d tilt" PI"'llperty (indutli.~ flXfDres pod an;,- pt.'QOtIal properTy speciic:3II}' f."'~ listed ben:iJl) berefe signing tilis Agrttlneul (JI" Us waived dt~ ..t tn du sa, illtd agr~ 10 pllttbase1ht Property 1:"".: !TS MtESE."'T ~',Z t.:'ONVITfON. BuV1:i" acknlJwIcd~V' that Bmkcr.;. their lieeesees. employees. of'fitKs or pIlrtnef"S lun'r not ID3Ik .aR iadcpcodent exam- ~ iutioB or detenuill:t,i_ eftbe ~ rlldunl SbulMlitCSi o{'M t"mj)fl't~; die ar.'" 0" tMldilion .1' Us.. <<mIpllueRfs. ea\'irolUDeJll2I CGlutitiOll", !l!4 Ihl" ~,.lIIittcd ~ CtI' or conditions eli.i~i'8g ill the iucak wbcre die PropUl)-' is siblated; 001' ~c tbL'Y ~ .. mecltal1ic.llm.p~tio:1' of ;::5 all! of the s~teIIIs CDRtaiucd .bcrs. (C) All}' repairs requin:d "'y Ih:s Agteclllalt will be compk:tui.n;'l. ~\'ol'kmal&likc: I1UIDef_ {D) BroI\crts) hav('- pro-ridcd (\r nlaY 'JI'~~ senic-.;s 10 assist unrepresented Jl3rties in CL'Inplyin:;. with Ihr. Agr::emen\. DE.F.\tILT (9-lIS) fA) Seller Ims the option of relaill.Klg 1111 SlmlS ~Ydid by Buye.. illL::llldin,g the depl)sit JR(mics, ;;hmrld Buyer: I. F31110 ntake imy additional I'aYIllf:nb :!!> );peciJierl in pnragrJI)h 3. OR 2. I:urnish f;,h;r 01' mCDlnl>leCc iufOQ'llalion to:> Seller, Bmker(s). OJ" :my atla:r "allY identified in Iii;!> Agrect1li:1lI cOllcernw:; BuyCT'5' ll:gtd or ,m finaociat !1ablS. OR 3. Vio!i* or filil ill fulfill 0U)d pecfonn any atIIC1' ~ or oonditiO!1~ or 111'" h,gn:allefU. (B) Unless otbl:f'ItoiR' ~beckcd i. panigrapll 7!J (e), Seller rn3)' deel 10 r.:r8in thO$!: SOO~ paid by n8)'Ef. inchuling cIcpoI.it 111(1n1cs: I. On KCO".Jnt of Jllln::;ha!le pice. OR L. Ali nuJies 10 be appli&xl1O Seller's dallla;es, 0, :;. .'\s liqDidalal tIIroIa!C5 foI: .sodI1.1Ra:h.. eel ~ SELl.ER is L-U.nn:.DTO RET.~NlNG SUMS P.o\ID BY BUYER, INCLUDINC DEPOSIT Mo.'ilES,..~<i LIQUIDATED D""\!\t.!\GES. ~, (Pj If Selia reQUl.'i all sums paid by Buyn-. 1[:c1udin,g deposit monics._ ~ liquiclletl damages puTSlQl'Jlt leI p.'U"a!,'fapb ~9 (B) Ot (Cl. BU)'l:r and SeUc.' are n:kasro from further I1Amil}" or obligarior.1IIKI1hi~ A~rn.lnl i.. VOID. TERMJ"'-U1ON & RETURN OF DEPOSITS (9-8S) (A) Whal,; J)uy1:f tennj~~ ibl!>A!!ft'C=llICIll pu"'lWll \(l anr righl ~..tnll:t1 b~' tbis ,'\o;reernCIII. all deposit monies p:lid on acooon; of pw'Chasc pr,ec: 5.1S \lo;!1 ~ 1'd:Jrn..--o to ~r and ~his Agr.;cJno....' Mo'ill k "UJD_ lbe broker holding tJle clcposil monies may <I_1y reJease the dt;po....i1 ffiODic.'i accmd- ~ ~ In file ~n.. or 3 fitlly ~ 'R'Ti11CJl i:!n:r:fJIenl ~n BlI)'CI" ENd Seller :DIll z, pmniut:d h,o Ihc RIdes and R.:~lations of !.he SUI.: Real 535 c<;t,...re CO~Woo- (B) If tlti:le is" ~ispllll: !)\'ef conlC:s.terlf Ie depnsil monies., :a brClkCl C<.)O\ legally rermiuc:::l io d~cmli!)\: if il br~ ~lm--cd orw!1ich r-iU1)' is enli- ;iT;' iled to depMil mNliCl'. A brokI:r bol~~ rbe d::pll!lit f'AOIIi.;:s is ~quired by t1~ Rules a.'1d Repal;l1icms of rile Stric RcaI E.~te Commissiun lU S3; Ic:i;lin tbe lll\;oies jllt:$GfOW UIIt1lfhc dispule ~ resot\.-eG.la 'I-,ce.ent ~nitiplilln rwc:-dcprniit m.~. a brolter will de:lr.butc the ~ics aca:.rd- =~ inS to rbe lerm~ of C! fiol:l Cll'der t'f cour1 or a writ:::n a~lCCIlren! of!he !"an~. Baaycr.and SeJ1cor:t.groe that, if any bmli.cr o....dfilii!tcd JicCllSCe is !:~ joiJll..--d in Iiligalioo ;;:g:udiog d~ IDO!ics, the at.onu:y,;' ~ ood cOSls of!be hrokcl1J> and Iit;cpsee(s) 'IVill repaid by the JIlII~' joining ruml. ~4 t R:EA1J ESTATE RECOVERY FUND (9-()S) A Rt!31 F_,*,fe Ra:ro\;--a'Y Fund c:sist~ kJ tciP1bu~ iIl1j' J1CBCll>> wOO hnw obtaitted .. final civil jll~t l!gaillsf 3 l"ennsylv.mia n:mlS!3le IK:cnSec 54~ ~ilIg to rHlud. misrqar=1a1k."lf\ or ~it in a ...::"5\:1..... _lion aud who ltave bCCI1unable to o0?I<<1 tbe.iudgment nfter c;.\hautiliJlg ali Jcg;al ~-4i l~ equitable n:maIirs. fQl (:omp!.C(c delllits i1bo-.d (he Fulld, call (711) 18J-J(.S8 or ItitlO~ m-21 t3 (\vidlio PeIIfl5yh..1DQ) ;anI.! (717) 783-43.~ (out- side J>aousyl\--ania). l\IEDJA:TlON f9-e5) (.\) Uak.~ o1hcrwi~ checiccd in ~>raJ1h 31 (0), Bu~r and Sella will submit ~II dispulG cr ~Ja",5 fhal ari~ from this Agr.:cm:ut t~ InOOiiltlon ~ in aa:onlancc witb lhe R.1I~ aad Pmc:;.iurc:. of tile Home SdlcniHome B\I~ Dispute Rewlu&iQfl S~em. Anyagn:emcrn r.::acItW Utrough ;>.,"! mediiI:ioo :tOO si~lled by It.s: perrics wi!' ne bindill~ (liCe IufonmdiDR Ri:gaulisg Mc:diillioll). (8) B.yer aIId Seller bavc rcecMd, ,cad. aud ",,~ the tub lIItd Proxedurl.!'S ofllll:: Homt SelIerslHOftI::l Buyc& Dispute R,,"SfIluliun S)-"$lt:m. :0, (C) Any agrec:meol1o media dispu!es or claims arising 6mn tltif; Agrecm..--nl win $U1\-ive- Sdllemenc (D) 0 IPrtEOI:\TlON IS \\;\.lVED. Bu~:er and SclIcr underst3IKllhat !IlC}' 111a)' Chl10Se 10 mediate at ;\ Jaler date: sl1uuId a dispule 0: clai.., arise, ==, but dIiJt lhere will be noobhprioo for~ party IOcbso. llESUJW'ttJIAL L-E~D-BA5RD PAINf HAZ-..\RD REDUCTION A<..'T NonCE (Reqwired fm- properties brdlt bftart' .,it} (9-05) !:is Lead-&lsecl Putt Hazards lJisda5ure Rt'quiretntnb: l11C R::sidential bad-Ha2d Paint lIa-anllteduaion Al,1. reqllil1$ all~ seller (.ol' prap- $6 en" bllilt belOre J 1J18 eo pro". the buy::r ">llh an EPA-~rJpfDVCd IaJd huala. Jllfo:-nuui"n pgmphld. titled P'DI:!Ct >bur FOllli{:'J;TJIIl 1..ea,: i.. Yaw' ~, Home ;mj 10 di5cJv5C to elK buyer and tile bmlo..:tt,.) die known presence of k:lri.~ fMittl" ,..doOr lcad-b:lsed paUli Ir.um-ck in or on tile pr(lflfl'- 11 beio;! sold, alo~ wilb dtc basi5 us.::d tOr detennining .b:tIllae h3rtlrds Ci.i~. die loc:trioA of lite haz:mI~ and the e()fldition of p.'1intcd .illrCICCS. :.r- Any scilill" ofa prc-I97Jl SInlCl.1lfe rr.us.:t also pr<.>..idc k lnI)~ with aoy records or rqxms avlli1able 1(\ the seller ~ding Ie:KI.based palfll andfor *i) lca.d-b.-ued ~"l ~rds in l)f ~11hc property. bcinj;. :lnkl, the COl1ll8Cnl ~, or other resioenlial dwdliQg$ in ntu.t.i-1amily IlDIIsing. BeiNe 2 5~; huyec is obfia.,Jllr.d to purchase aJlr t.OlJiiOg rom1nlCRO p:iPc to- 19'78. the Ad n:Cj\lin5 ~be seller So gI'le .11e buyer 10 ~}'s ....Iess buJ.er ...ncl sen. er ~ m Wril~ eo 3110lhCl-limc Fiod) lO coPduo:t :i .19 .....~;nCDl Of" inspccli..... fo(" (be presence 6f lead-b:1~ paint and/or Icad-b~lIled p.aint Sl:3 Im~njs. The upportunity 10 c:olldllCt a risk a~!iirnCflt :Jr inspc:li,r.1 may be \\-G1yed l1,' Iho: boy.:r. in wmi~. Neilher tQtin,g :lur ab-6Ir11l.:nl is ~~ required of me sella. Hotiing butlt in i ~7S vr later is not ~ 1U tbe Act- 5Ji sro ;1!'! ;tit ~~ 'it? i-iJ i~': .;,5 516 ~17 :;16 St7 ~'!: ~I(i 'i1D 29. ;.1;'j WI ,2'. ;.r.z in w !>25 ~ 520 :;21 ;2j * w ~i m 52? ~ ~Zd ~ 53; 5:l:t S2& 53lt ~:- 3Q. ~2 s;"~ 3:>;. :J$ FUZ E3? ~~ ~ ~ ~i ~ 5j3 ~ ;;015 $:f. ~J. 5ii ~~ ~ S~; J2. 51i; $<k ~cg s!':C s;.o ,51 >>2 ~2 ~~ ~ ~5-S ~" 33. 3.51> 357 i:r3 S5t $Ii :;!;! 53! 5i .;:-~ ~l $ .5a!~ 5;;5 ~ NOT APPUCA.BLE. propc:ny Wa:! baill in 1918 CIt" lalcr. - $7 0 ArPLI('ABLE. Pmpcny ~ 1k11Ir ih.--IOre J9~, B-ruker 11I1I51 attach the Lc.....BIISet1 hint Hazards DbdIlS8Tl: aDd In~OIt 5;; ~ Cl)fJti~ .4d"'~ (pAR Fonn LPA) nr aaofber .~.... (orm willa IIle iIIf_atiflo nqllind b)' "e Ad. ad provick> B8ya- 5$ 5F.! abe patrrplalfl. Pr#llecl JiHIr FIl"'Y fro. UotNI hi Jiur,.lU&_. B~'CJ"(5) mast iRifi:al. belnw IhI they lIaR ~cd berh doanIIenr.: ~ ~ ..... l..e~ P'olim Hazank Disclosure a.ntl Inspection COIIlillgcrt.:}' Addendum (:anxhed as part of Ibis Agn:rmtDt). ~~ $7~ ..... _ P,'"(IIecr ~",. FfJlftilr J.T)l1I Lend in kvr HOllie =1: m Ba!tr laj'iais;~' . ~ 5;"7 Seller bilials: AlS-R Page ~ 0{ 10 Rc:ri5cd CJ.'OS Oct. 11 06 01:47p RHONDA A COX 10/06/2006 14:01 FAX 711 781 4-331 (239)275-3998 p.8 AtS-LLISK !'t.l.lA.J.Alli:lt ~Jtr:' ~....,r~~-;.'" ,-'.., ~ '- -- ."., -..,., '- ...... IIUSs."I!3S 5Efl\IlCES f'Oil ~!\l.lStA1C lIGOl !>51>'~ in ;;'4 34. SPECiAL CLAUSES (I~l) m Si'~ o Scttlet1'eIIt of Olbcr Pfopen~ Conlil\~en;:y !\ddt:.ndllrll (PAR f<>>ml soP) 51! o Tenant-Occupied I>t'opcrt} Addelld"1' (PA R Fonn TOP) !7'& ~ e..;,,-b.h.,~ d.w.. .f.. ^>lJ#'J " 6" _____ m . ~ o ~~ ~jl(; SB1 (Aj The rotlDM~ ar~ pan .,r this AI:r-t!~ment if dleekrd~ ~.-~ o ::..!J ~ :.~,?! ~n ;J~ :.~n ;~!.._ "1''eM h, ",,,riJ<- ,,,..j,.~ i4lfJ) ,Ai P~1 not ~~ t...Y\:-J,-1tYd- ~ ~ <4- e--........r rU'd. ':).00. e. 0Jt.G:.r-..ft'€.v-.J ~- <::c~ 't-\-\.\\ trA \ -::ro \ \ ~; ~~r ~~ ;!o.u... ....~ V'.1.,~ _ G? ~! S~ 561 ~'-~ SM ~ 5ic ~7 5S!S D ~ tj'vr' ' : Q..~~O ~ 5 ~~ dV:~ o..-"\$I..u--tr, -'U\V'C..o~ ~:v.~~ ~ ~~...~ m OV"\. '^~~ _ ~ ~ .,~ ~~ ~ ......s-u...t ~ ~""t'O ~~ ~93 ~~-~~~, ~ ~5 'ill'; 5t;? =3:3 ;e,l 5-1J 59- 25t Si~ ~ ~~ fi95 ~W :..,,, S$~ 5~~ DbYcr and SeDCI' acknuwledge receipt of:l eopy or this A.greemenr :.\t tlu. ti~ or iiif,,'1Iing. 5~n ~.;<.: Nm~ICE 1'0 PARTIES; "'lIEN SIGNED, THIS AGREEMIV',n'IS" BINDING CONTIU..CT. rartie... to this transaction are ad...15ed .. consol' ~~~ ;'(;0 an Ill10mey be((\re signi~ if they dt~..c Icglll advice. ~D r,q Retllm by faniOlilc tra.nsmission (FAX) III' this Agreement, and allY lIddenda anti llnlcndmellt'l. bc:llli..g tile signstul'es or aU parti:t!&. c~tnstitule.~ .e:~'1 ~_'."; acceptanti' by the parlit... t,~ , ~~ ~ !,'jJ ~:;. .8 ~'S '1L1 t:\:! > f..1iZ :ti'i 6"~ Buyer "as rutiftd die CellSUmer N.mcc ., adopted It,.. die ~"tate ~ EstatL> CIIIIJIIIUsi... at 49 Pa. 0KIr !J5.J36. sa; Buyer bas rectit"ed iii. stall!llledt of BByerS ~ de..g c851S bftorc 5i~ tbis A~Jr_ i3:!. Buyer ibis mad ..d .~ads lbe ROtires aad c:xplallilllory iltlCrrmatittll in Otis A::ftt'lllttlL ~5 Buyer us n:cxwtd a ~lcr"s f'ropd1:y Disdasun' Siatel1ll'fll brron .~ Ibis A..erecaltnt, if requil1!d llY la\\ (see infornaattBn Rr:ardio:t r;;:s the RI:31 Estate St'lIer l>isdllsUI"C La\\l). \;(if lluy(.'l' llM Tccd--rtl the Deposit MD~ N'lIticc (for cuopL'f"a!i,,'c salell wl1en Broker for- Sillier- is ho'diJ1g dtl>osil mil)n...~. befOre? -siglling tltis ,;;)~ AgnPJUenl. l:,JJS ~j~ BLJ'r'ER'Sl\1AILJNG!\DDRESS: 1-c9 € <' l~.-eAt-V(ev-l -Z::Y4l\..r~ 51.0 s':1 ~ril"' U- ,;:'A t"1o if DUVm~~~ BUYER 1~1 I: . I()ljj~t;f ~i~ Cfl ~ WJ1lllESS I ;:.. 1'1~ ~~. . ~ !...J;}h If; I.r J(If./ 5:.:t WITNESS r~ L-- Tl,.~.c-.- Di\TE ~a f)A.TE c;~ W1TNESS BU\:ER _ DATE G14 E1S Seier h:u. retei~ tk- ConsumCl" P\otitt a~ IIdopkd by the SOOf Rw F..statt' OnnminiD. at 49 PD. Code JJ5.33(i. Seller h~ r<<eiwd a stakA_nt of Seller's C'IiIimated dosillJ: cosh before s<<Diag thk A;;reemenl. Sener- hall n::ad ud .Rdenlancb the NfiI1'S :ad ~qllDa1ery iJlliormatmu in tbis Agreemellt. / $fS 51i ~~-S ii"6 l:~? 6lE DATE SELl.ER'S M..\lLJNG ADDRESS; /" .;1i HS /#-~-(l".20 T /0 --7~ ii2l DATE 3'2ll ~: Wf'I1\'ESS ~2 ""lTl"fESS SELLER DATE ~~ AiS-R Page III or 11 RCl\oi1icd 9/0S S:LLER'S copy . ..' M & T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY PENNSYLVANIA v. : NO. 06-1432 CIVIL TERM JIMMY E. COX RHONDA A. CALDERON, AlK/A RHONDA A. COX, Defendant : CIVIL ACTION - LA W CERTIFICATE OF SERVICE I, Hannah Herman-Snyder, Esquire, hereby certify that I did, the ~ day of October, 2006, cause a copy of Motion to Remove Matter from Argument List of October 25, 2006 to be served upon Plaintiff by serving their attorney of record, Sheetal R. Shah-Jani, Esquire, by first- class mail, postage prepaid and facsimile at the following address and local counsel, Robert Lieberman, Esquire, via facsimile: Sheetal R. Shah-Jani, Esquire 1617 JFK Boulevard Suite 1400 Philadelphia, PA 19103-1814 Robert Lieberman (Via Facsimile) DATE: 1(\ - ~a- ot~ ~ ll: J'.. f'... 01.. )l, t\ '" N'\. (\J\ - ~O\ I r \ f\ Hannah Herman-Snyder, Esquir Movant GRIFFIE & ASSOCIATES 200 North Hanover Street Carlisle, P A 17013 (717)243-5551 800-347-5552 ,...:) C,:) c;::,::) Q' o ('"') -l f"..) o :2 -z'~ ~ ~; :X; ,1. ("..) <.;Y :2 ::&4 c.)~, ,}" -s:- ~ ~ ~ <..f! o C", M & T MORTGAGE CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY PENNSYLVANIA v. : NO. 06-1432 CIVIL TERM JIMMY E. COX RHONDA A. CALDERON, AlK/ A RHONDA A. COX, Defendant : CIVIL ACTION - LA W PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the Defendant, Rhonda A. Cox, in the above captioned matter. Date: I n~ -:.) C\ -- 0 q "\lo.-",- I\. 11 h ~ (H\ N\. Q (\ - d iY'-. \ ~e\ ~ 1'\ Hannah Herman-Snyder, Esquire Attorney for Defendant GRIFFIE & ASSOCIATES 200 North Hanover Street Carlisle, P A 17013 (717) 243-5551 (800) 347-5552 o c: ;R$:: CO _,fT' 7-_" .?-'[.;::1;: (.r)e ~(:;, .~;:"-~' ~t~ :z: _oJ -< ,...., c= c;::) ~ o C"? --4 N C o " :r:D m,.... ~f9 oo-iO I ""1 .,.- .:n O.~C. z o ~, ~ :r:- ::x a w M & T MORTGAGE CORP., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs, CIVIL ACTION - LAW NO, 06-1432 CIVIL JIMMY E, COX and RHONDA A. CALDERON aIkIa RHONDA COX, : Defendants IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS AND EBERT, 1.1, ORDER AND NOW, this Z{." day of October, 2006, the motion of the plaintiff for summary judgment is GRANTED and in rem judgment is entered in favor of the plaintiff and against the defendant, Rhonda A. Calderon aIkIa Rhonda Cox, in the amount of$121,988.99 plus interest from March 13, 2006, at the rate of $25,86 per diem and other costs and charges collectible under the mortgage and for foreclosure and sale of the mortgaged property, BY THE COURT, lid ;Sheetal R. Shah-Jani, Esquire For the Plaintiff ;Rannah Herman-Snyder, Esquire F or the Defendant ~ :rlm ~/; h,iV/\:l/~~)~\Jf\J.:1d )Jj\J{[(Y ';-8:f~Jil0 Of} :01 WV 92 1:.10 900Z 'V '1""" 'r.'.1 "r'" 'd ""1Hl -'0 M:.N U:~\.)h,LJ(j':J .;J 301j~O-o3l8 PHELAN HALLINAN & SCHMIEG, LLP BY: FRANCIS S. HALLINAN, ESQUIRE Identification No. 62695 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, P A 19103-1814 (215) 563-7000 M&T Mortgage Corporation A TT RNEY FOR PLAINTIFF Plaintiff vs. Jimmy E. Cox Rhonda A. Calderon, a1k/a Rhonda Cox Defendant( s) PRAECIPE TO THE PROTHONOTARY: : Courtiof Common Pleas Civil IDivision Cumberland County No. 06-1432 C.T. _Please mark the above referenced case Discontinued nd Ende(l without prejudice. _Please mark the above referenced case Settled, Disco tinued apd Ended. X Please mark Judgments satisfied and the Action sett ed, discohtinued and ended. Please Vacate the judgment entered and mark the acfon discohtinued and ended without prejudice. Please withdraw the complaint and mark the action d~scontinued and ended without prejudice. I I Date: -Jr;/r (O~ PHS# 130084 ~ o C -o~ ~:!} c~ (;} ;;> ..."'-....., ~-_. ~....... ~- l..,r '_ ~-" :~2 z ~ ,...;) = = er- o r1"'l n , U1 ~ s:!-n rl1f;i :gO - I 0(", :1:ti (:::>;:0=; -7'- ... Om ..:..; ?Xi :..< !i - - .. co