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Home My WebLink About06-6827 II ! IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION - LAW OVEREIGN BANK, F.8.B., successor in nterest to Waypoint Bank, Plaintiff vs. ) ) ) NO.Clo -IoP:l.7 ) ) ) MORTGAGE FORECLOSURE ) ) ODSON A. CAMPBELL and ANGELA M. AMPBELL, Husband and Wife, Defendants NOTICE TO DEFEND OU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE LAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION ITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE ERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY TTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR BJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED HAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT YOU AND A UDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT URTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR NY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY OSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. OU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT AVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. HIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A WYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE BLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY FFICE LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO EE. CUMBERLAND COUNTY BAR ASSOCIATOIN 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 LAW OFFICES PIOSA REILLY & CAPEHART PIOSA REILLY a CAPEHART ONE WINDSOR PLAZA 7535 WINDSOR DRIVE ALLENTOWN. PA 18195.1014 (610) 530-7500 By: ----74$M C~ Thomas A. Capehar , Esquire Attorney for Plaintiff Attorney 1. D. No. 57440 r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - LAW OVEREIGN BANK, F.S.B., successor in nterest to Waypoint Bank, Plaintiff ) ) ) ) ) ODSON A. CAMPBELL and ANGELA M. ) AMPBELL, Husband and Wife, ) Defendants ) vs. NO. D(' - ~P;).1 (!lO...t!& MORTGAGE FORECLOSURE COMPLAINT AND NOW, comes the Plaintiff, Sovereign Bank, F.S.B., successor in interest o Waypoint Bank, by and through its attorney, Thomas A. Capehart, Esquire, and vers a cause of action of which the following is a statement: 1. The Plaintiff, Sovereign Bank, F.8.B., successor in interest to aypoint Bank, Mortgagee, is a Pennsylvania corporation with a principal office located at 601 Penn Street, Reading, Berks County, Pennsylvania 19601. 2. The Defendants, Rodson A. Campbell and Angela M. Campbell are adult individuals currently residing at 815 Ridgewood Drive, Mechanicsburg, PA 17050. 3. The Defendants, Rodson A. Campbell and Angela M. Campbell, are the owners of record of the premises known as 815 Ridgewood Drive, Mechanicsburg, LAW OFFICES Cumberland County, Pennsylvania, and more fully described in Exhibit "A" which PIOSA REILLY It CAPEHART ONE WINDSOR PLAZA 7535 WINDSOR ORIVE is attached hereto and incorporated herein (the "Premises"). ALLENTOWN, PA 18195-1014 (610) 530-7500 II 4. On June 9,2001, the Defendants executed and delivered a Mortgage to laintiff upon the Premises, which Mortgage was recorded on June 16,2001 in the pffice of the Recorder of Deeds, Cumberland County, Pennsylvania, in Mortgage ~ook 1720, Page 56, et. seq. (the "Mortgage"). A true and correct copy of the ortgage is attached hereto, marked as Exhibit "B", and incorporated herein. 5. The Mortgage has not been assigned by the Plaintiff. 6. The Mortgage was given as collateral security for a loan to the efendants as evidenced by a Home Equity Line of Credit executed by the efendants on June 9,2001 in the principal amount of Fifty Thousand Dollars $50,000.00) (the "Note"). A true and correct copy of the Note is attached hereto, arked as Exhibit "C", and incorporated herein. 7. The Mortgage is in default because the Defendants have failed to make onthly payments of principal and interest due under the terms of the Note and the ortgage since December 8, 2005. 8. Because of the aforesaid default, on or about September 11, 2006, an ct 91 Notice to take Action to Save your Home from Foreclosure was mailed to the efendants by certified mail, return receipt requested, wherein Plaintiff demanded hat the Defendants make a payment of $7,400.02 as required by the Mortgage in rder to cure the aforesaid default. A true and correct copy of the said Act 91 Notice LAW OFFICES PIOSA REILLY 8: CAPEHART ONE WINDSOR PLAZA 's attached hereto and marked as Exhibit "D", and incorporated herein. 7535 WINDSOR DRIVE ALLENTOWN, PA 18195.1014 (610) 530-7500 9. A Notice of Availability of Home Ownership Counseling under the Housing and Community Development Act of 1987 was mailed to the Defendants by LAW OFFICES PIOSA REILLY 8< CAPEHART ONE WINDSOR PLAZA 7535 WINDSOR DRIVE ALLENTOWN. PA 18195-1014 (610l 530-7500 II I r lrst class mail on September 11, 2006 pursuant to the Housing and Community evelopment Act of 1987, 42 V.S.C.S. Section 5301 et seq. A true and correct copy fthe said Notice is attached hereto, marked as Exhibit "E", and incorporated 10. A copy of the Verification Notice pursuant to the Fair Debt Collection radices Act, 15 V.S.C. Section 1692, is attached hereto, marked as Exhibit "F" and . ncorporated herein. 11. The Defendants have failed to pay the amount demanded in the Act 91 otice in order to cure the said default. 12. Pursuant to the Mortgage, Plaintiff is permitted to recover reasonable attorney fees as part of this Mortgage Foreclosure Action. Plaintiff anticipates the egal fees in this matter to be One Thousand Sixty-five Dollars ($1,065.00). 13. As a result of the default which occurred on December 8,2005 and since the mailing of the Notice, the following amounts are now due pursuant to the terms of the Mortgage: (a) Principal (b) Interest to 11/22/06 (c) Late Charges (d) Satisfaction Fee (e) Misc. Fees (f) Atty Fees & Costs TOTAL $46,645.69 4,850.19 449.68 27.00 187.25 2.450.00 $ 54.609.81 WHEREFORE, Plaintiff demands judgment in its favor and against the Defendants, Rodson A. Campbell and Angela M. Campbell, in the amount of LAW OFFICES PIOSA REILLY Be CAPEHART ONE WINDSOR PLAZA 7535 WINDSOR DRIVE ALLENTOWN, PA 18195-1014 (6101530-7500 II r 54,609.81, plus interest from November 22,2006, late charges, escrow advances, osts of foreclosure and sale of the mortgaged property and costs of this proceeding nd reasonable attorney's fees as provided in the Mortgage. PIOSA REILLY & CAPEHART By: 71'-~Cl;~ Thomas A. Capehart, Esquire Attorney for Plaintiff 1. D. No. 57440 VERIFICATION I, CONSTANCE M. COCROFT, state that I am a Vice President of Sovereign Bank, Plaintiff in the within action, and as such, I am authorized to make this Verification on behalf of the said Sovereign Bank, and 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 falsification to authorities. -) ~...,i0'~;Y C ~ Constance M. Cocroft Dated: k OJ Q 1 :dCX1..(J ALL THAT CERTAIN lot or piece of ground with the improvements thereon erected situate in East Pennsboro Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described in accordance with a Subdivision Plan of Laurel Hills, Section 15, made by Buchart-Horn Consulting Engineers and Planners Job No. 203020 and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Plan Book 31, Page 27 as follows, to wit: BEGINNING at a stake on the southern legal right-of-way line of Ridgewood Drive at the dividing line betweens Lots Nos. 242 and 243 on the above referenced plan of lots, thence along said dividing line South 00 degrees 56 minutes 56 Seconds West, a distance of 100.57 feet to a stake at the dividing line between Lots Nos. 242 and 223 on the above referenced plan of lots; thence along said dividing line and the dividing line of Lots Nos. 242 and 222, North 85 degrees 20 minutes 45 seconds West, a distance of 100.00 feet to a stake at the dividing line of Lots Nos. 241 and 242 on the above-referenced plan of lots; thence along said dividing line North 04 degrees 39 minutes 15 seconds East, a distance of 100.00 feet to a stake on the southern legal right-of-way line of Ridgewood Drive; thence along said southern legal right-of-way line of Ridgewood Drive, South 85 degrees 20 minutes 45 seconds East, a distance of 82.19 feet to a stake; thence by an arc curving to the left having a radius of 175.00 feet an arc distance of 11.32 feet to a stake, the point and place of BEG INNING. CONTAINING 9,677.51 square feet more or less. BEING Lot No. 242 and known as 815 Ridgewood Drive. BEING THE SAME PREMISES which Lawrence H. McGuire, III and Barbara Craig McGuire, Husband and Wife, by their Deed dated November 12, 1997 and recorded on November 17, 1997, in the Office of the Recorder of Deeds in and for Cumberland County, at Deed Book Volume 167, page 1034, granted and conveyed unto Rodson A. Campbell and Angela M. Campbell, Husband and Wife, the within mortgagors, their heirs and assigns. EXHIBIT I "A" r~ ..- ~\ I~So'S" e.. OIOl03~J OPEN-END MORTGAGE lJ ( 15- (This Mortgage Secures Obligatory Future Advances]" ,.::::. ;:.._;~ June 9. 2001 is between you, Rl:I:S:NA'CAMPeEiL: J t. E D S _._~ - ::u.~n;'i\Lf..:;~ COtJNT'(-PA' resIding at 815 R1D:;gl~:XJt~ THIS MORTGAGE, dated ArG:[A M ~ MlDWfiCSBURG. PA 17050 ,the person or J1~rUtJNgti6g <fS('IMtrtd)(ior" below, and us. Waypoint Bank, 235 North Second Street, Harrisburg. Pennsylvania 17101, "the mortgagee". MORTGAGED PREMISES: You mortgaged to us the premises located et 815 RTTr.FW'YTl DR .'_'__ _. MEXHANI~. PA, 17050 the "Premises"). A legal description of the Premises IS cantlln,dln the dHd d.tlG NoveIrte;r;:.lJ ,_~-'i~whic" you 'CQulted,,,. Premil.,. whtCh is reeofl3edlt the __ _ _ ._ _ _ _ ____Count" Otl'CI tOl .hI Record,ngo. O"d., on o.ld Book 167 .on ',gelsl _. _lQ3!. __ 01. 01 Checkld.'_'on ,he "Ollalloagelllall.ch.dto this Mortgageandca""d .hhibll"- TI\fI PremiSes InCluClell1t buddlngs .nd Olh" implov.m.ntl now Of 11,., on the PremiSes Ind Iny lIghts 01 interest which deFlYtl '10m OUI Ownll$hip, use or posseSSion of thl Pr,mises. Vou .Iso .ssign 10 us Iny ,enls 0' Ihe Prem,se.. LINE OF CREDIT SECURED- ThIS monglge and 'lIignmlnl of renlS will Sleur. IUIOlns WI noW' or at, late, rCQul,ed 10 mike under the Premo Line of Credit ACCOunt AgI.lment With a Credit Lllnlt of 5 --2Q.Q99..: 0..9 _ daled 0' .ven data herlwllt'!. 11 nOI previously paid or owing Will be due on or befo'e 06 L9:l /~1_ _.: Th. loan or lo.ns mlde under the Agreem.nt WI" be mid. to the below S'Ut'leCl morlg.go', Iwhtlher on, or mar. Plr,o.ns Cllled 1"_ -Bo"ow.r"l. Th.i~ Mortgage will Ilso secur.: hi thl Bar,ower', obltgltion to reply the lo,n or to.ns. togcthcr wllh FIf\.ne. Chlrges imposed at the IIxed or vI,i'bl, rl.". and Olh., chlrou. accordIng 10 Ihe IIlms at lhe Ag/lem,nt.lil) Ih, perform.neeof III BaIlOW"'S promises 1ft Ih, Agreement end.1l of YOUr promISes In Iho Mong.g.; (ml 'II sums WI mly Idvence to Il"tsure. P'Y Ih.es On Or r.p,ir 1'" PrlmlSeS, Iven II\Oll9h WI! If. nOI Oblig.lfd to ""Ir, ,ny IdvlnClSon ~OUI b~11; lrv)our tKOeRllsof eoUlctlonlnd .,,'orcementi" ''', Iv,rtt of your or t'" Borrower'1 d.'.....I1; 'vi .nv sums 'w.'d.... in D"y condemnlllonor Imlnln, dom'ln plOCI.d,ng,nvolV1nQ III or anv 1'''' of the PremlllS; Ind (VI' .ny OJllenSlons. ren,w,ls. .mendmentlor Other moddielhons of tl'l'"Agrl'''''"t. OWNERSHIP: You reQresent thll you .,e t.... sol. own,r,s) of tha Prlmises. You hiVe th, leg.1 right.o mortgtge It to us. T AXES:Vou Igr.. to PIV,1I rc,l esl'le "_'5. assessments. wlter charialsand ftCwe, finiS rel'tld 10 th. PrlmlS" when tnlv corn, due. You win not claim any ('r'dll on.or mek. deduction 'rom. Ill. sums dua on 11"1 Agre'ment beCIUS. you Plv t"'" IIX" end ch,rges_ You Wilt provldl UI Wllh proof 0' D.ymenl upon r'lIueSt MAINTENANCE: You .gr" to mil""'''' the bullChngtSJ on 1111 Preml.SIS In good CDndltlon Yflu Will not makill m,jor changes In lhl hulldlngeSI excepl 'or "O,m.IIlp'lrs You WIll not te" Iho building IS' Clown WI,hOUl IIISl gelling our eonunl. INSURANCE. Your .greDIO keep bUild,n"Cs) on lhe ""e"'lles I"su"d II all limes agllnst IDS' by IIr.. II00d and Inv oll'l,r -'IlClnd,dcoverlJg,-hlzards we "'av SPICI'y Vo,", ""y ehOOSllhe If\$UI,nc4t complny. but by yOLl' choic. .s luhllCI 10 OLlr relSontbJe 'i:mro..I, The oollclc'muSl be for ,t 1..sl the lmounts ..,d the IIFne p..rtOdS 1""1 w' specify. ana !'null n.m. ul 'S -MOt1glgee.. This me,nlth.t wt wl'l r'CeIVI plymenl on alllnsur.nceclllms. 10 thl .,,'enl 0' our Inl'reSI ,md" '''15 Mo"UIge. be' ore yOU. Th' pOllees muSt provlClt U\lt we be gilil'p.n nOlless Ih.n 10 days nOllet Df ,ny c:encelllllon Of r.duetlQn In covcllUe. Illhe '"surance IS c..-.c:eled 0' Ihe co.er9 reduced Ind you do nOl properly obl'ln ut- ilrlctory rtplleementcovl'.ge. wc m.v (bul .re nOI obligel.dlo) ObI3",Covtf.gl..liS'lcloryto us. You ""ill dl',.."r to UI upon our rOQulst Ii'll POllel,sor oth.r plO~'' of insur. Inee You must promptly hll I proo' of 10S'S in Ih. ev'nt of dlm.VI 10 the PrlmlS.S. II you fill or f,'uIeIO 1111 . ()foot Of 101S. w' m,y do '0 on your blh.lf. You direell1l1 insu,. IfS to p.y Ihe "rocoedsol Iny clllm dnclly 10 uS You ~po.nl us.. your ,ItO""Y'In.hCIIO '"dors_your '''''''10 '''y proof 0' loss .nd 10 .ny cheek.dr,110t Oth.r II'IStrutrl,nl In p.~m.n, of In'urlnceprOCOld~. I' wll,e,iYI plymenl of I cl'lm, W, Will o.rmil you 10 unlhe mo".y 10 rltJtir lhl d,m'"e. bul Only if WI ",sonablybllllve Ihe It'\sur,"ceplo' ceeds ,r. adeQultl ror thIS purpose OtherWIU. we Will ull the monlY to 'Idue. whit 1he Borrowe, owes on the Agtolmanl SALE OF PREMISES: You Igr., n01 to 5011 01 H,ns',r thl ~lnUSlS. In who'e 0' In p.rt. wlthOul wlI1ten c:onlef'lt P~IOR MORTGAGE: You lo,e. tl\" you will D,r'or", aU yout P'Om,ses and Obhg.11ons 01"\ .ny pllor mortglge on Ihe P,.mt:roIS. OEfAUL T: A d,t'ull under Ihe Aor..m.nlI1 I d.f.ull unClilr thIS MortoaOI. If Iny deflult OCCurs. upon giVing you any tlmlly nO'lce Of yOu' fight 10 CUf' IS may chin b, 'IQUlred by I,w Ind under you' l,illSle 10 cure wit"in Ihat lime pe'lod,we r::.n dem.nd Imf'l"lldllle p'ymenlln ruu Ollh!' Ag'eem,nr. It we l:Io nOI retelve PIIymlnlln tult. w. m,y 1r\ln for.CIOsl upon Ihl. Mongege, ThiS means tn't we un Ir,,"'8' 'or lh. plemllCI to 01 'enced 0' laid... p'o'l.Cltd by r.w. in order 10 PlY of. whll Ihl Borrower owes on Ihe Agreemenl If Ih, rnonev WI fICel'll from lhe ren..r or sal. i, nOI enough to p.y off w1\.t Ihl Borrower OWlS. you will nOI Ow, u. ,hi dlflerence unless 'IOU ,1'0 signed lhe Agreement" I Borrow,r SlNDING EFFECT. Until the Borrower hi' C)'ld '''' Allrlement In full .nd. if ,pplicabl.. th, Borrower's rlQl'l1 to Ob"in 'ulUfe loans under thl Agr'lment hIS bien 1,,,nln'I,d, lhe provIsion, 01 thiS Mottgage Will be binding on you and 111 01 'vh," ownlrs Ind tenl"1I oll~e Plerni,.,. ThIS Monge,. IS lor OUI benalll and for tl'le bene'11 01 '"'lone 10 whom wi tNy 111101' ,to Upon Olvmcnt In 'ull 01 III 1hat the 8or'0ll\l" owes u, an(t11,mtnatian of lhe Aglumenl. If .pplicable. thIS MO'lgIQa lnet OUI rlghU In 1M Premlsn ''''all end GENERAL we c.n welve or C11"Y en'orClng any of our tig"'ts u"dt' I"IS Aar.lmel"t or thl' Mottg_g. without IOSin9 them w, m,y r,le"l persons or P,op.rty hom Ihe obhg. .II(UU secured by tt1, Mar1g,ge wl1houl a"Ic;tH'\g ou' rights under thIS Mortg'De Any WI.v.' by u:ro ot Il'\y provision or tn, Agrelm,nl 01 thIS Mongl'Ol II anv tllnll will nor be I WII.,e' 0' lhll 01 Iny othOt provISion on any Olhor OCCISIon ~~~ ,,!~ f1Aun ~ Itness 2 ~ ~ar~ ~orlgagor (SEAL ,. \~~. COMMONWEAL TH OF PENNSYl VNIA ; Nota~al Seal, bile '~'.?~J~~~. ..... ". ~ : as. J::Z~H~~~~~."C~~l;~;;~~~'r~ f..1::J ~i!:7r>::,t;;;:.v:,-\ COUNTY OF ~ ~: w.vCommiSSIOnE""cs,,el.l-. ~/)..._~f ',..::~i~. ~ () 1'~C11 ,,)...f..y:Y.. !"','. ptn'f REMEMBEREO, Ihal 0 Ihls _ _da of \ .JX~_re me I NOllry Public of the abo.v~~.i1l.,';~per~nal~~~led ~^<'A ..: ~{" .-it>:.... . ""...;..,;;....}, o LUll 'n ~ . \ ,who I am salisfied is/.... :thirfP6Y~.Qrilt1:."i!ipled in an w 0 execule t e WII In r g e, a t ,eupon liii Tshe '/Ihey SIgned, selled Ind delivere b IS~~S1~'Jl.ry..icI and deed, for Ihe uses and purposes expressed in the Motlgage. and deslted Ihat i~d as s "li-__~.;".;"",,:. ',. (SEAL I CERTIFY THAT THE PRECISE RESIDENCE ADDRESS OF WAYPOINT BANK, THE WITHIN.NAMED MORTGAGEE, IS seCONO STREET, HARRISBURG, PENNSYLVANIA 17101. Sig"ature O~ tl?vn ~ Agent on a 01 Mortgagee, WAyP6)NT BANK CLD.t24 2/98 Tille BooK17~ EXHIBIT I "B" .' :.~: ~- !lAV-24-01 THU 01:32 PI! DIRECT CC>>QQlER LCWl FAX I<<l. 1112312970 P. 04/05 . '", : . '. ":'lld~.~~ . . "'fI!7..' . ~lr ~~,,"W~ h .~... . PwcrtIHo..M"1"'O:'-D5s . , ----....,. ':. . $P~~WA~DII~. <:lQ"~~~~.~~.'~"" '::.' .' . , 'Emo. f.AWRDICs IL -1CIlia. 111, .... ~ ~c~ flIiIIa!lld'" -re. """11I'_ ".111I...... o~ . : : '. ..: :.:. '^~D..., '. : .' . . '" . . ~ 4,~.., ANGII.A IlC. ~~.......... ~ l"Miei .' '::.' . al'1Ia\~...a,wm:a. . '" . '. .' '" . ': '~.~ii.'~~Ilv"'''~''L4..oI''_''o. . ~... IillCJ-Plft ~.... ..110 "'ts.OOO.lIO) NIII'1!IlI ~ ... ... ..... . . ......... pIIW., _..w GUNrm .11II... OUNT'OU,... ..,............. ' . dr.Ii"", .,............ ... _pI .,.,..,. it...., -'-- ~ ... ..-..c. ........ ' ....... ~'.... .,: .... ....... '. - ........... ......,.. .. ..... .. OIA~~~hIOt.~"'~~~""""'..~JlM: '" ' ..... ALLl'RA' tDTAIIf JGi..,.. ir......widt..".. ................... . . Ii.....: iII....~ T......~C~ I'c.~ !I!lI- . ......dl...~ ...,........ . . ."'-......~Iaa..........WIIi__Pllrier....I_....,S....~ .....n.'.... ~ ~...........~" Ha........ .......... QUID 01 "'JtI__o'~otCIlllbal"'CaleIJ. ~,~i""," ""1; ,.n....~ . Iawi~: . . . : . '. . ~:..:~.l!itll!"""';"~;'oriJ.b-:"Driw." . I 1Il.l./Uw'" ~ .... ,Nol!. za .~4J. ClII .... ......;.r__ ,"" or ,....... .... . ~ "~.h SauIIl ~...... 5' ..... ~ ... *III. . II...... erlllO.S7 ... to . . -.. ~..~ ~ beI_ ..... '-:.20 ... m... ........... ... .ot_ . .. ~.. ... ......1Iilf inlI.1Ile 41.....'........... HlIL ~2'" ~ ..,...~U....>> .' . . .....It...'....... WQc....-.., .......... ... AVe.1ht ..;......'ill..,........ 3t1 . .... ' '-'24illll''''~,...orljllli;'''''''~''''dMdI.lint~IM''''''J9 . '. : . . .tilil...,J...............,.,..0Q,...~.........................,4IIr... . ' '. . .oI'~""~""~.wIllllllaq""'''''_'I...,r~~orn.....', as ..-~~~, ...........~...n.l'_..... ~.,. ..... II lilt 'elL'_~ ~ 1'IIIfi...'CII' r~.lID ~ ., .. ~ ot'lI,lJ fee ... ... i.., _ ... .....~r8ECI~IJlIG:... .' :', . .' . .". .! " . .' .a~r~.I..~N(;Un.sIIlllDc......_<<... : " b....iNO t... Np.iOind ~."S ~ Dwiw. . .' .. .".. . . ." 187 ';Q~3f' " I Certify .this to be re~orded I.~.Cuinberland:.Co.unty~^ . '" ~ ..~ .. · ~< ~~.:r~ . '. Ji..., .. ".. -.' . . . . . . t# : '. :. - . "'. .'. : Recorder'ofDeeds BOOk 1 ?~O PAct ~1 jUN-21-QI THU 1: 45 PM CARLISLE PIKE FAX NO. 7177309318 P. 2 I Bgd....., A c.p:." 'r::'~' Ana-' .--u WAYPOINT BANK GlY PO BOX 1711 MeCn8lUcs.curg~: 17U50 HAFlRISBURG, PENNSYLVANIA 17105 80.....;.,.. MUle end Add.... '-- I LInde,'. _me end Add.... "'V.~' me._, 0:X" bo_. ob......)OoIllIV oncl'~~"".m."" Ul. 1,1Ido' nl100ld ....~. . No. 0107038085 InlllalAdYanceS /101/. ~1 MalulllyD111 6 9-~' ~ Dill 06-09-01 MlIlim~m Advanct $ 100 00 8illng Cyd.: EndI on ilia 2D1h dav Trans. ~., n 1 07018085 Minimum BaIIllClS 0 rilevery mom~ LiIl8 of Cl8dil S 50. 90g. 99 Draw P.riod 10 V.PS Paymenl Dlle the 51h dlv TrillOellng 8l1anc. I N1A Replyment P.lled 10 vearl or lIVelY mOnlll __. I HOM. laUIlY UNE OF CReDIT GINMAU.'t, Thl il In allreement ebOUI you, hOme 8IlUlly IIPII 01 credit. M.ny of lhe'.1anIlI wa ~.. In tlllI alPlmen! !live SPlelll melningL Th9 "NIl "lo8n lCIliount llaIanee. '"_ the I~m of lhI unpaid prInc:ipaI 011,,-", IllI1de -lI!ldIr mis plan. plu. unpalcllltll aamed finance d1a/llll, ptul .ny Creclil 1riIur'" pl8llllU/IIIlIIII.re due, "',."..GlIon Accaunr' 11III/I1 an Iccount ytN 0Il'IY IIfth us. The numlNlr 0' this lCOOunt is liIlId arlt\e lOll or lIle form on Ihe h'~1ed "T,anl. Acc:t, t.. 'Une 01 Credit" mun. thl mlldmum amoulll of prtnoipel we win ordln.,/Iy 1IIIow)'Olllo OWl III under tIll. plan III Iny 11m.. "T,igglflng Slllnce' il 1M amounl you mull kelP In your lr_tiOll _nl 10 prwenl UI from lending you mollly uncl.r thill plan. In addition. WI will U'D the 101l0w'ng Ilrml 'or Ill,. home equity plan: 'n'" A6fanot' mun. t/Ie Imount 01 monll)' WI will requIre you 10 lGeep! U III IdYllnoe 10 o~n lIIe pllIl. .Minlmum AclvanCf" m..nl the smlllesl &II'lOIIIIl 01 money WI WIll lIlNanc. 10 you II you. '1~11. Thl 'Minimum 8IlInc:a" i. lhI MIllun' 01 principII of !DIN WI will raq.... you to IPlIlntein oUllllnd.ng during rile plan. II lIlI prlnctpal balance oulatancflllg faUI balow Ih8 minimum balance, you mlV havI to IllY a tee dtlCtlbld below. Thl .Dr.w Period i. lhl lime during I'" plen Ihl' you mlY reque.I advlnCl. end will m.k. plymenl. on your loen Ic::ounl bll.nce. Thl 'Rtpaymlnl Partod' i. Ihl lime during \hi plan hI VOU mus' Illpay your loan accounl bal",~ bvI may nOI '.qula' 'ullher advlncea, EA"pl whe,. alhcr<itlle indlc:alecl, lhe regulll10ry disctosures comained in Ihillgramnent apply 10 Doth "'a draw IIIIlf repaymllll periodS. If ariv II"" or !hie IIlIlIIme", lliol_ any law Dr lor COIM ON' 'Da&On Is 1101 enforoesble. thel Ie.m will nOlINl pll'l 0' lhi5 11I_lnL Th;. 1~lIvml'" Is autljeCl 10 \hi ..... of 1"- I. ..... ... Ire looaleCl. Ant Pl'OVillon thaI Ippolnb UI al In Iglnt il nol svbj.Clt 10 the provi,ion, 01 20 p..C.S.A. Slclion 5&01 II IIQ. (Chapler &6; Dlceden's. EstlllS Ind Flduciarl.. CodlI). By lurcisinglny 01 our rillhls undrr IhIs Igreement. WI do so lor our sollllan8fiL o TlliI ag_monl i. s~biect 10 thl provisions aI the Secondary Mol1t/age Loan ~ TAX DI!DUCTIBILlTY: '1"011 Chould con.ull I lax.dvilcr i.garding I~I dldudibility Dr in18l1111111lf c!Wll1S under this home equity plln. REQUiSTlNG A LOAN: Vou requ.SI . lOan under Ihl, plan by'lhD following mllllOllI: . . yoU write a splcial check Illal WI have given you lor lhi, pulp05l. . You requlSl . wilhdrpa) in ptftOn. . You request. wllllOraWIJ by telephone nnthor, . Youwrile . pltWOftll ChICle tor mora 1Il111 the bal.nce on your pllsonal ~nl Bank checking _nl It lrid the bllllk wilI.lutcrneliCIllIy IIInsfll '0 your chec:ldng account an .mounl lulllciant 10 GOver the overdraft. The minfmum loan advlllCl that you can obtain m Illy lime Is $100.00 _ lIlougll thlllVtlldraft cal/ld be Ilss llIan SI00.00. HOW F1MANCE CHARGES ARE COMPUTED: Finance thargls blllin 10 ICCIUI immlllillely when WI mlkl a loan 10 you. To lig~re l~e linance ctillQl tor I biuing eyele, we IIPP!Y a daily IllriOaiC reIe. 01 ~nar,ce chal;8 10 the 'principallNl"nel' 0' yo~r 101/1 I_unl each elIIy. . To "g~.. the .princi~1 balance. lor nch day. M hr$l la,1Ie yo~r lOin account bat.nee at tII. lIeginning of Ihl day aod sublrlc:t any unplid II~nce Ohillget lIIld ellldit inl~rll\Ce premium,' (II Iny) thll ar. du.. Nul. we sulltrecl ilia portion ol any pavrnenla or credlls rlCDlWd lhil dlY wIlien IIPPIV lothl 'lplyment 01 yo~r loalll. (A poltioll'of ..ell IIlymD"I you "'lke il applied la finIncD ctlll'll8' and cradil insurance pramlUllll, II Iny.) Th.n ..... .dd any _Ioanl made tllal day. ThlIlirlll1lgur1 is Ihl"prlrr.inool".'S/lC1l: Thlt daily IIInodic rale of FINANCE CHARGE is _ . ~S7S34.. wnlch carre.spondt to In ANNUAL PeRCI!NTAGE RATE 01 10. 00 %. The III1IlUIJ percenl. raIl includes interllt and nOl olher costs. VARIABLI! RATe: Thl Innual percentall' rail may c"lnge, Ind will be 3 plus thlfollowing .bUD "..'~ 110. highest rate on corporel9loena p0at8d by II lei" 75% oIl1le USA'I 30 Iar;." banks known IS Thl Will S1raet Joumll Prime RI18 and Is publlshld in Thl w.p SIraet Jou.nal on Ihe last bUllln..1 dlY of Ihe mOnlh. Thl n.ulting annual pel'Olntagl rale will "I roundld up 10 lhe n...eit ,001, %: Thl .nnuII perClnlagl rail Illay incre..e il Illil .b....llle. II'!Gl'el6ea; An Il1CI'eue wiN lak. e1l8c:l on tI1lI firll bus/llIS1 day ofllle monllt tollolNlng the /lie cflenge. An InCI'IUI wlllllauft In en incr.... In 1hD finance c:herge .nd it may havelhD .lIec1 of inCtNllnll your plrlodie ",Inlmum PIY"""t. Thl Innual plrcenl.lge ral. wi. nOl i_ ",.... oflen then 01\0I I IIIONh. A dlCleUl will have thl opposite eIIect of an Iner.... dillClOted 1IIov.. lithe bait rail chlnges mOIll 'requ.ntly Ihllllhl ennulll percentage ,.te, we will alway, u.. tIll"'l rei. in IltIel on lhe dlY we edi"'l tfil al'tnua/ Pellllntlll' rate 10 d.termine thlll8W .nnual perc.ntage rate. 'n 5uch I caae. we wiP ignore lilY cheng" in 1"1, balD ,.t. Ih.t occurllelw"n annual p.rcentage refl adJUIlIMnta. TIle "annu" p.rcenlaD' "". ,1I""ed 10 in this IIIClfon Ish eM"".'llI wIIich ciorrespondalO 111. periodIC ,... ~.l!"Dd 10 till INIllnee at descnb.d 1boY8. Thil cone.pondlng ANNUAL PEACENTAGE.-RATE will "IVI~ ulllIld ltl'lro. ancl wiU newr IXoeed the "'ghest allowable ra. lor' , ... .agreement IS CllllrmillllS by IIPpllcabll lIale or llde,.i MINIIIUII ANNUAL peRCeNTAGE flATI!: Tnl '!I. EXHIBIT PERCENTAGI RATE IIn YIIIII Mom. Equity Lina 01 , PAYMENTS: During Itta DIlIW Period Ind IhI ADplrmenl I promilft 10 PlY a Minimum Monlhly Paymtlll which wi $100.00 or .42% riI tile ouJllillldlng prtnclpal belBne8 Il · We may IPlIIuI changes 1IW you neve IlIreecllllln writing. . We mly malul chlllgas lhat unlctUlVOOIl1y benefll you. . WI may mike Change. 10 '11Il;nlbnl *'"' 0' I/lilI.-menL II Willi requilWlf III unci niltice GI . cIIInge in IIIItllI.WlI wtI Sind llIe notice to your addNl. liIIaCI I~. (You IhoulCllnfurm ut of Illy change in add"",) SI!CURITY: WI have aecured your obllDeUOIII und.r 'hie plln by lI.lllng I IllCUrily inlel'llll (by w.~ of a ppllate llCUrily IlIre.",.nt. llIOrtgIgI or o"'e, 11IIlNmenl dlled b-9-U1 ) in the ':l11owing propll"Y. <IIlICrfllld by Itlm or type: 815 Ri~ Dr. Mec:hani.csburq, 'PA 17050 PIlIP'rty SOGurlng any oll1l1r loanl lIIal you havl willi UI m.y 11Io lecura thil ag_ment. 25 50 Fill", fee. I . You may buy properly in'~lInCI Irom Inyan. you wlnl who '8 _ptablllo US. PROHIBITION OF ADDITIONAL EXTENSIONS OF CREDIT AND/OR REDUCTION OF THE CREDIT LIMIT: II .ny of Il1e conditlons IlI1Id In 11116 lICtlon occur, ~endl( may temllOrlrily prohibit additional 1_",lona of crlCfll andIor reduce the oreclit Iim~. lender win notify Sotrow.r of !he r_n lor auch Iction wllhin Ihr.. IS) bu.lna.. dar.' 0/ Ihe .uapenSlon. Th. su,pln.;on il IIIICllv. ,wnln L.nder mall. Ille, notice 10 Sorrower, Su.pendlng Inl Accounl will nOI I",Of 8orrower', obnlllllonl 10 Lender undlllhls "'orelment. " circumstances sUbsequendy efianoe 10 11111 the condition whiCh O.ve rise \0 It\e profll)ition no tonger existt. Linder shlllllll Obli;alld to IlIlln IIIOW elllenllon. 01 aldit on Ihl Accoum andfol "1\01'I 1ft1l Cllldil, limit: Thil obligation .hlll ccm",.nc:e filtlln (' 5) llUIi"," days ....'lIl. LAnder ~_ . w,i..n /'IClUUl Ira," Ilonlloooet. acoompanied by reaaonablllVldencl'lIlallhll condition whlclfI oav. rile 10 \he prohlbl6onno 10nal' Ixlltl No 00ftCfItl0ll IIttId In Ill.. IlIClIon or the Ita thll IUCh oonoition no lonlle, exllll. shall IlltDnd Of In any way afllCl thl. termination of tilt Account ~1I 10 any IIlIler .lClIon o'lI/Illllllon or lhIa Agrlll/ll",. MY 0' lIle foUOwi/lg ocndltlo", wlll be grounds for lDjIde, to lIIIIpora,Uy proIlillk a:ld~lonalllCllnllons 01 cNdIt andlor rectuoe "'e c,ldIt limit; (I) Thl vllul of Ihe Morcllaged Prope~ declln.. 'Illnltlclllllly INIlow its IPPralnd VIIue for me ll\IIIlOIes GIllie plan. There wlI be a signifll:anl dedine il Ihl "Vlilable eQuly In_. of the CtIldillimil" If Il1e IlmI 01 lhe ~raiMl '- '_""'n SO% ollh. "vtilab19 equily In._II On"e CIeClil hmll' shall be lhI dltflllnoe IlII1wMn (I) lh8 appraisal value ol"tlle Mortlllllld PropertY and (b) 1he sum of 1he ~_Iimll of 1h8 Account. plus the credit limits ot .11 OIner _unt& IeC\lred by prtor llIO!\VIlUIS on IlIe MOl'llllQld PllIperty. plul till """ OIl"lending belallOls of III otI>e,i/1Iler pno, lienl and encumb_. In'" dllCllldon. Leildlll may obtain appralsals from limIlo time It Lenlllr'llJqllnse. II LAncIIr haI prolllblted 1llI",1onS 01 aldil Indlor raduoed tile CI'eclil Iim~ end lIle valu. of lIlI Mo._ Property aubsequlllUy 1_"1, Bonawer may provldl ~"'dlr willi a w,I"ln ..qUill 10 removI tne '.It.lction. Thl ..qUill 'nlil be acoompjlllled by 1ft appl'liall obtained If Bonower'l expense. (2) 80rrower " In dlIlaull 01 any Malarial Obligation II,tld In the AgreemenL (3) ~endtrraasonlllly bafievII thar Borrower will bl un.bll 10 ful/i11 11le replymenl ob/illltiane undlr 'hll Agre.",en, b.cau'l 01 I matl"al eIIangI in Borrowel's finanoiil dlQllNtancea. Sorrower SpecifICally authOrizes L.nder. It LInder'. llIq).ncI 10 periodically procure cUlllnt credl' ,eports on ,Bo'lOwer. Borrower lunh.r IglIII 10 providl 10 Lende,. at Lende", requIIl, COP'II or BOttOWDr'. mo.t nlconl Fld".llncoml Till Returns or 'othet proof ollnoolllD and employmlnt such la W.2 fo.lllS. P'Y a1u1lS or II Lender', Reque" a wridln statl",1nt from Borrowar's employl'. PROHIBITION OF ADDIT~ONAL EXTeNSIONS 01" CJ'eOIT AT THE REQUEST 0' BO"AOWEft: Borro..e, may ditlC1 th9 L.nder 10 prOhlbJI lurthlllllllnsionlOf CIIc11t on th8 Account. A notice by lily BOIrOWIII' of an intlnGon not 10 be obllgMld for ally adda'ltOllaHoans on tltl Accoo.nllhlll be COnal~lrecl I Illqullllll proh&'bll f\j",... elll8MloN or credil. The prohibition shall becoIlIe MlICIive II lOOn as Lender can reesOlllbly act 10 SlOp MW loans I/'DIII baing 1IliI/l.. AIfoJ BolIOWIlI' whO joined in Ih8 Nlqueat 10 prohibll 'urtner eIIlItISlOIlI of Creelil must jOin In eny l'IQuel'l 10 IftCItvIll till e.edil Iln. l:1r .uch reqUesl III be eIllCtive. ADDmoNAL ~ARGU, You 11Irllto pay IIt8 IolIowing IcldKiOl1ll c1tlll1les: . A lale charge on any InstaJImlnt or paymenl maelll mailman" day. alter il il due IQU'I.tO 10"" 01 Ihl unpaidlmount. or 520.00. whlchlVOI is 7"W~AY' "C" 99,00 . Documentadon FliSS rding F" S 25.50 w: Tlrms oheckD~ IIlllIPplicabr.. IDed Prop8r!y Is IocIhId wllllin the COMMONWEAlTH OF ANI&. IlIen Ihls 1lI!I_I IIl&II ba gavemlld by the la... 01 ii1wlllth of PennsyIYlnla. IllOIpllO llie lIXIIIlI th., suen lawS oreernalld or suOerMd.d bv Feder.l Law. prorTISH to pay. Minimum MOntnlY r-ttym"ltI WlIJ\.11 frill ~\HII Ul" !l1.~.1 VI 5100.00 or42'1l. of !he oulsllndlng prtnclpal bll8nCllIll 01 t~e la$l Clay. 01 the biUlngcyde as Ihown on ma monlllly .811I18"""'1 plus thllIeON8cll=inancll CI1arges. volunlary Group Lnl Insuranoe, II elKtlcl, be lI",ater than the entire balanQI on the Aocounr. HOW YOU REPAY YOUR LOANS: On or before IIICh paymant dale you agrle 10 matle e minimum Plyment 10 reduce your deb\. Thl II'IIn.mum peyment emounl is ,42% of your loan ICOClIlnt balance on tile last day 01 ml billing cyda. 0( Sloo.00, ..hic:hever is gtllter. PRINCIPAL RU)UCTlON Ourlng Ihe draw pe~od and \lie repaym.nt periOCltN minimum plymenl may not fully repay tII. principal thaI ie oUlltlnding on youtlinl. CREDIT INSURAMC'l!: Cradlllde insurall08 Ili not required 10 obl8in cred~. 'Nt wid pro\(llle no coveragl unlns you .rgn Ind agr.. 10 ray th. additional cas!. The rat.. nalede.low are epplled 10 your amu. daily balence to d818rm/n1 the premium you OMlor TYPE FlATe CHAMOING THe TI!RMS OF ntlS AGRIIMENT: Generally. we may nol c;Ilanoe 1/II1enn& ollhil agreeman.' HOWWlr. we may ohanga the Ilrms In IhIlolJowtng circumltallCll: . " ll\il is a .etlallll rate plan, ... may cIIInge the incllll and mll1'll!n ~ thl 0rig/N11 incl.. dllCtlbed abovI blICQmIJ IIJ1l1Yaliabll. Any ne.. index will haw I hillDrioaI mov.mant .,milar 10 tII. original, and, tall.th" wtth I new margin. will produce 8 ilmUar 1111..811 rate. the CommonWllaJlh 01 Pennsytv8~1a. 'X(:Ipl 10 ~ lX1enl that BUell laWS have bile~ p18lll'lptld or ,upet9ldtd by I=Id8,aJ Law. 0" the MOI1gagad Property is 10081ed within ,he BTATIi OF MAFlYlANO, Ihln Ihis agreement ehall be. 1I0verned by the laws of th. Slall 0: Maryllnd. a.c:epllo thl 'lIlInt ItIat IUc:h IIws Mile beln praamptad or su~rseded by Far.! Law. If this AOreimllfllls governed by thlla... ciI lhl Sllle 0' i\.taryland. thin the Lender ellCt5 to haVII this 4~emenl gOVllmld by TlUt 12 of the Commercial Law "nlcll or thl ""nolllled Coda or Maryland. Sublltle P. Cradit Granlors Open-End Provisions. ATTORNIlV'S 'II:E8: You all'" to pay al\ our coste. ineludlng re"OMble MlOmly'1 laa, Itlal w. InCur in llgal proc.edlng$ ta callac:l or .ntorte lt1i, debllllould you be in defau~. . NOnCE: S'I the r.....rw sldl lar adcS1tional terms and lor imormation about yo~r rlghtl in the BVOnI or a billing enor. NOTICE TO BORROWER: Thl. document contain. provisions for a verlable Interest rate. S1GNATUR.U: By signing below, you agree to the 'Irm. on llOlh sid.. 01 tnll .greement and you promlsa to pay any ImounlS you OWl under thl, Igreemen allo It.te that you received a complll.d copy or Ih' Igra.me oil t y' dat.. (SEAL) (seAL) 8y: ~ . 1M3 Brie... 8yI_.lnc.. Sr. Claud, MN Fnnn !lCP.HE.PA IIltIZOOll CUllom 9E1\5~ JUN-21-0! THU 1:55 fM CAF.WLE rin HZ Ii<). 71773093,'3 f. 0 Cre~'lOr: w.vPO,NT BANK POIlOX 17'1 Hj\RRISBURG. f'A '7105 HOME EQUITY LINE OF CREDIT This dit<:IOIu" CCl".ain.lmp_nl i:\lormallOn about our Mom. E~uily L;n. 01 Cllclit. VOU '~oulO reeell! ca~lly and ~ftp a D09'Ilor your record' AWIIIlIIUty Of Term.: All OI'M '11",,1 deJCribe<l O.low a'lloubjlld to ctIa'lOl If IhNC """, CIIa. 1_' .~.n 1M aMU&! percemage rllll ancl you Oec!dl, ~ . ....ft, nOllo I"'" 11\10 an ag_nt willi u,. you ani 'nlIl1eO to · reIIIncl 01 any ....lhll you paill.O u. O. 'I\Yon, aiM In Con~llC:'Oll"~h YOU' a;lP.alllon. . . . nl . lecUtlly 1nI.....: W' "'lIIll1k' a I\'llll\gag. on you, '1OMI Vcu c~ 10" your h..,,' d you cIo nO! "'"' 11111 OO"gaJiOn, III YOU' 'lVMm. - UI. PoMllllt AdIO/lI: uncia. c:ertai.~ ctteum'!ancu, we un (' I "rm'~all yo~r ine. ",~uirt y~ 1Q pay ... I'1e I"b.e balanQI In one payment, al'lcl Charge vou oenai~ fM5; (2) ,.Me to makAt acldltJonal eXl8llllOnc o! Mo;t; anel(3) l'ICu~ your crllcli.llrn~. . d' . We can ".."irlalt your accoun. requi.. you 10 pay u. the enr", Cu1S~ng baIInQI In on. pII)'1Tlent. Ill'lcl d>1lI9I you e.na,n fen . (t) y~u Ill(IIlgI ill lrllJd '0' "'Illlrial mllllp""",..'io" in C:Onll~on wr1h tn. pllln, (2) yOU do nOl metl'''' ,~ymen'llrms: or (3) your llCI'O!1 or ,".clion Idvlrtely aIltcl. ml OOllllfllal 01 our ngta ,~ \Ill collll~1. WI can "'use to /IIlIke addlttonll IJIlln,lo", of crtdll or ..dUet your cIedII ,,'"', I.: I 11) vau engage In Itaull 01 :nattria' mls,.."...nll!'on lr. CQnntCllon W1I.~ tilt '111', (2) you do nollTltll.:'! ~tpI~,~ ~~ .r~:~ Of 'itaClion-adverMly dIetS \lit 00"&1111'11 0' our ~1S In \hI COlatlll,; (4) 1ht value 01 lilt dWtlUng ......,,"1111II ....-.. VT- ""1 beicw ill apl)l1iSe~ valut 'or purpo..' 0I111e Unl; tS) "'I _1lIl1y lleI_ yoU wiUllOl be IblllO MttIItII! I'tPI~ 1tqU1_1III due '0 . male~al changllln yOUI flnencili c\,cu"'$tance.; (6) you ,r. in d"lult 01 , malena! obllgal,On 01 t". agreement. (7) govcmrnenl action prllv8l\la ul "~m Im~o"ng 1/11 "'''"1' pttoe'llIQl ,alt provllttel 10' 0' impalrs oul _ul\1)' InlIIK' well \tIa' "'. VIIUt 01 tilt IIl'II'tI"''''' than 120 IlIrelnt DlIPlll crod" IInl: Ie) I legUIalOry 19aroC'f has 1lO'~ UI mil continued adVances woulcl oonst"ult an unaele and IIfllIOUncl ouslnell p.tctiCl: or It) till rnalllrr.um aronuII peroemage rato II rNClled. Minimum ,eymenlllequl_lra: Vou can olltain c,Ill;1 Idvanc" ler 10 year(ll (IPIlI 'draw penodO). During thl' l)enOd. pIIYIl1l'116 will bl OUI _Illy. Vour ""nim..:m mont/lly ~aymelll WI" ~Illl' g,e"ll 01 Sloo 0' I~' amount of 1~lIJfId Inlerl'" plus 'O.Q'Il, 01 \IIIl pltnc'lllll.." I~o~nl x!anot on Iht lut dey olIN btlllng cydt in WI\IGll an allvtrce wU made Aft81l11t ellw period It'd.. you WIll no 101lQl' lie till. 10 llbIIIn cncl" ,cIVanca.1IlCI mull pay ,Ilt ouatandlng balancl on your aooount (lilt 'rapaymenl ;MIrioel'). The ItnQtll 0I1h9 ..cayrnent IlIr10d 1110 y..'tf). Durtna tile "llIytl'1t1lllll~OC. paymlnts will lit due monlNy. YOUI mlnllllulllltlOl'lUtly payrnelll wit lqual Ill. greal" cf $ 100 or lI1e amount 01 ICC:\Jed ,ntl'e" plus 0.42% of \lit principa1lolln leaNnl balal1C9 all!le II'lcl o! !he draw pet1Oel. 'Ill. minimum montl'tly Paymln" may not bl sufficl.nllo '\illy lepay tilt ~rlrlClpE! on your 1111. ny :118 end ~ \ha drllw and replyrntnlll8'iOlll. If thly a,t not. you win "'.~ oe r'Qu:,ae 10 PlY the ,""Ill bllance in a I[ngle pa)'l'l'*ll. MInimum I'8ymant E",""I: II you made only ,he minimum monWy payment al'lclloOlc no 0\111' cl'ldll allVallC:el. it woulcllalce 14/clar(') and 6 monlll(l) 10 PlY oft a c:redn tdvance 01110,000 I' an ANNUAL PERCENTAGE RATE ~19.~%. OurillQ tlla. periOd, you woulO m.... I 0 paymtm(.l varyllli b8twftn $'21.11 Ind$100 1911oWe<l ty,3 ~Iy",.nl(') 01 $100. wlI~ a !mal paymer.! 01 567.10. ,... And CIIa'1u, To ope/l i~ ",,1Inta!~ an I~OU"~. y,v m." ~oy :hl r,lJowillg teea 10 U,: Oce"",I'to':Or. Fee, 8~ ,~ Penrly1von'l li_._;n Mlryla~1l 1llll follow,,'; I" a~ """,a:lol \!,ir.l!,paQrJeas: Mortg&Qt RtlCOl'll'ong Fee; S~.~ You mU.1 cany i~.uran~ 0" !hI "ropany N. .ecu..' I~i$ plan lltIullclllllillly of 'ftl: It you cecide nOl to entel In!o !t'.iI ~llIIl w,llIln ,hr.1 days of reellV'n; mil Oi.ClOSt,''' and till Mornt Ec;ulty tlooktel. you ... entIIltCl'e I rtlIlnd ola~y 'a. you :n.y hl.llllllldy paJC! IIInlmum Draw Rltlul..mlfl1.: The minimum crOCl~ advancl Ilia! yOu can recllive i, $100 The minImum Inilltl CllclIlldVanu mull bll alleast $ Tax DtOuctllllllly: You should con.uft a llUC allVlscI rega'cr.~; "" <Itd~OIIb~1!y of Inll...' II1Cl_eu fo' 1M IIllI/I. A.-nellt"ty Of Oltlat HomII!tlUIty lIrogrlltll, II you I$~, WI .,;nl pro.:o. y"'-' w,t~ Informalion on our Olhl' IV1IIIIlIlIt "ome lIClutly '"nu. Variable ,..,. ,..'u"': ThiS plan has a vlr'.aD:. ralt Ila~J" and 11I1 annu,l ptrlltfQ;' ..It (oorrosponellllQ 10 thl perioclic "'I) and Ine mln,mum montnly pay:nen' can e"angt .. I lNUn. Tl1t anr.ull ;MIrce~'lgt ratl inCIuce' only onterlSt anll not OI1ltr costl. T'" an/luII pe'CI~. II" " bUed on \lie .1111' of 1/1 il':eIIll. T'" lIldex .. 1I1e highlSl .ate on corpOra,. loa~s poatad by II INsI 75% 01 \lit US.... tIl:c1y lalgllt DankllcJ\own lIS Thl Will Stllll JOII'IIal Pri"'ll Raflallll is ;lU!l1b/l1ld in Tilt Will Sl.... Joumll. To dellflllirle 1/11 annu,1 ptl'oenra~ 'I" IllII will apply to yo"' lIOCOunt. w. aall a m31gin !o the VI;ue 01 !he ind... Incl t.'l~" roul'd up to \hi 1lI1I1" 0.001%. Aail us fo' lhe currenl incla' value, margin. and llI'n~11 pelC'nul~e 'all Ahe, yOu open a Cledil llno. "'It i~'ormalion WIlt be orovld.el on "."DOI( ttat_:s th~l we send you Rate Change" T"' annual "rein'. rete ca~ chang, !'I'lo/ll!liY .llar IIma"'I"II ~.xl<llot one o.y. 'The'" \I no nmlt.., IIle ,mounl by wh1l:I, '1\8 IlIfe cen eIllnglln any onl Y'" plnOel. Tl'ie rnellIfT\urn ANNUAL PERCENTAGE RATE lhal can apply du:tng tilt pltn i118'" _Imum "a~ AIld 'Iyllltnt !lIImII.... Myou ~ac In O\lltWldlng Datlrce 01 $10,000 I' \lie beginl1ltl(l olllle draw pI,100, "'I mlr.imum monll1ly llIyme<"1 a' t"1 mtx1mum ANNUAL PERCENTAGE RATE of ",.. woulcl be 5192. The mAX,mum IMual percllntege I'Illt ~ring thl dra'" period co"'a !It "'Icnlld !" r.-I ftr" month following an in. 'II nold of 0'11 ~IY. M .J9lIIlaO en oulslandlng balanct 0' $10,000 al the beg;nnlr.g o! :Ill rtp3Y"'ent llI'icx:t, file minimum monthly payment al Iht :1\ulmu'" ANNUAL PERCENTAGE RATE 01 18~. 'IlCukl be $192. 'T!11 maximum annual pe'Ofrlraga II:' elunn~ tile rllllYmlm period could be reacheel in lIle nrlll <nOn'" toI1owing an inltitl hold 01 on, dly. HIalorical e_IIIM: The 100IOwinqllbll 'hows hew lne annual plllctn~I,.1I and thc flIinlmum "aym_lot. slllQle '10.000 CteGlI,clVanctll/IOU!o !la.. c:l1anglId bue<l on C."lngu I~ tile inell. o~r Iftl lal. 15 years The InCl. VIIUII III lrom 'h. "11I buline.. dty of October. Wl\lIe only one pay""'" amou.n' per ~Iar IS ,nown. payments weu'': hive VI/oed dunng llICIl Y"'. Th. tabie usum.. tIlIl no IClOiUonal crlldllldvanct' ware taken. lhat only Ihe mon,mum paymen, WII ",adl. an~ IMIIPIlI ra!' Ilma,ned ccn.,.nt dur:ng etCh Yla.. It OOM /lOl nac....fl/y InC,ca" how 1111 inclax Ol YOUf paymlnls WOuld change In t!le lulu... ANNUAL Min,mum PERCENT AGE Monlhly Vel' Incle. Mar~'n 'lATE P,y",..,1 N ~ ~ ~ t988 1500 0.000 1.500 104.SO 1987 8.750 0 000 8.750 '11 .24 1988 10000 0.000 10000 "8.83 1989 10500 0000 10.500 11021 '9;0 I 10.000 0.000 I 10.000 108.53 1991 I 8000 0.000 8.000 '00.00 19~2 0000 0.000 9.000 100.00 1 a03 t 6.COO ,'. 0.000 8000 100.00 19\14 7.7~ 0.000 7150 100.00 I ~~"!-~-II -!~ J.. .-, --rrW~--llr- i L___.L-._____ ___---1-___j IOln.. replY""'" car.....l>egin. in !/lIS year. -'- , =:------- ~' , Thll ., nor I com",.,,,,.nl Ul :nakAI . lot". You Ilt"'by acoon.".,llCllle . I I '...,.... _. ,~~..... .~..".... ,~ .,~ ~A~ ~J.c Homo E<lull'Jl Broc:hJ" on lodlY" clIoIII \ ------ '- - 01g. BANKERS SYSTEMS.INC.. ST. CLOUO. MN FORM HE.DISC-2PT 1II2Jl1O 8B84M 0 .~"w~. ._-,~. .---- '_._'" -_ "._ __"'~_'"'_''.__.''-''' .__n"_.. _,,' ,~._U_.._, ~._ . . .'r-- _.,...., __k.>__'' .""cr .__.... .... _~.~.-. .._. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date of Notice: September 11, 2006 RonSON A. CAMPBELL 815 RIDGEWOOD DRIVE MECHANICSBURG, PA 17050 Loan # 6819008066 This is an official notice that the mort2a2e on your home is in default. and the lender intends to foreclose. SDecific information about the nature of the default is Drovided in the attached Da2es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to helD to save your home. This Notice eXDlains how the Dr02l1lm works. To see if HEMAP can helD. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with vou when vou meet with the Counselin2 A2encv. The name. address and Dhone number of Consumer Credit Counselin2 A2encies servin2 vour County are listed at the end of this Notice. If vou have anv Questions. vou may caD the Pennsvlvania Housin2 Finance A2enCy toll free at 1-800-342-2397.lPersons with imDaired hearin2 can caD (717) 780-1869). This Notice contains imDortant le2al information. Ifvou have anv Questions. reDresentatiyes at the Consumer Credit Counselin2 A2enCy may be able to helD eXDlain it. You mav also want to contact an attornev in vour area. The local bar association may be able to helD vou find a lawver. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO EST A AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): RODSON A. CAMPBELL ANGELA M. CAMBELL PROPERTY ADDRESS: 815 RIDGEWOOD DRIVE MECHANICSBURG, P A 17050 LOAN ACCT. NO.: 6819008066 CURRENT LENDER/SERVICER: Sovereign Bank EXHIBIT j "D" _~_._.",.~~--....,_u_~.__.~..~_ '~'.~.,.~.. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGmLE FOR EMERGENCY MORTGAGE ASSISTANCE: · IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, · IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND · IF YOU MEET OTHER ELIGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TIDS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telqlhone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific infonnation about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for fmanciaI assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) -"-.-- _.:!._----- "".--. HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it UP to date). NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your property located at 815 RIDGEWOOD DRIVE, MECHANICSBURG, PA 17050, IS SERIOUSLY IN DEFAULT because you have not made the monthly payments since DECEMBER 8,2005 to the present. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $7,400.02. The total amount includes late charges and any other charges that have accrued to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount required to cure the default, contact: SOVEREIGN BANK CREDIT COUNSELING DEPARTMENT PO BOX 798 SHILLINGTON P A 19607 1-800-929-0234 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7,400.02, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by cash. cashier's check. certified check or monev order made payable to Soverei~n Bank and sent to the above address. IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rie:hts to accelerate the morte:ae:e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uoon your mortl!ae:ed orooertv . IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure the default within the THIRTY (30) DAY oeriod. yOU will not be required to oay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, yOU still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSffiLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. _."'-~_'---.&..-_'__~__"___"~ ,.,.,......c,.._ --"_"~_-'_"__'~~'''''.''~~'._''''_''--_'_''''.',~~..' _..._~.' ,_..'_...~_. .J_....~._~~_~__..~""~_..~._..__,_",~~_~_..._s.~... ". ...~. .~,' ..' _"._'__._'_.~'~'_'~__'_ __~ _.~.,_~.. ;__~.._~,~ _.__....,__. ",'__..,uo__.' .__.... _. ___,..,...... _,.._~._ HOW TO CONTACT THE LENDER: Name of Lender: SOVEREIGN BANK Address: PO BOX 798, SHILLINGTON, PA 19607 Phone Number: 1-800-929-0234 Fax Number: 610-378-6659 Contact Person: Joseph B. Higham, Assistant Vice President EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may have the right to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK. PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that purpose. ._-,.>~-~ ._.-......~'-...._._.,--. -~" ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date of Notice: September 11, 2006 ANGELA M. CAMPBELL 815 RIDGEWOOD DRIVE MECHANICS BURG, P A 17050 Loan # 6819008066 This is an official notice that the mort2a2e on vour home is in default. and the lender intends to foreclose. SDecific information about the nature of the default is Drovided in the attached Da2es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (IIEMAP) mav be able to helD to save vour home. This Notice eXDlains how the Dr02l'am works. To see if REMAP can helD. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF TmS NOTICE. Take this Notice with vou when vou meet with the Counselin2 A2encv. The name. address and Dhone number of Consumer Credit Counselin!! A2encies servin2 your County are listed at the end of this Notice. If vou have anv Questions. vou mav call the Pennsvlvania Housin2 Finance A2encv toll free at 1-800-342-2397.lPersons with imDaired hearin!! can call (717) 780-1869). This Notice contains imDortant leI!al information.lfvou have anv Questions. reDresentatives at the Consumer Credit Counselin2 A2encv mav be able to helD eXDlain it. You mav also want to contact an attomev in vour area. The local bar association mav be able to helD vou find a lawver. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): ANGELA M. CAMPBELL ROnSON A. CAMPBELL PROPERTY ADDRESS: 815 RIDGEWOOn DRNE MECHANICSBURG, P A 17050 LOAN ACCT. NO.: 6819008066 CURRENT LENDER/SERVICER: Sovereign Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: · IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, · IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND · IF YOU MEET OTHER ELIGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for fmancial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATE1.v AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) ~~_...._,.__.__.1'___'_L_'_'.___ .. HOW TO CURE YOUR MORTGAGE DEFAULT (Brine: it UP to date). NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your property located at 815 RIDGEWOOD DRIVE, MECHANICSBURG, PA 17050, IS SERIOUSLY IN DEF AUL T because you have not made the monthly payments since DECEMBER 8, 2005 to the present. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $7,400.02. The total amount includes late charges and any other charges that have accrued to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount required to cure the default, contact: SOVEREIGN BANK CREDIT COUNSELING DEPARTMENT PO BOX 798 SHILLINGTON P A 19607 1-800-929-0234 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7,400.02, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash. cashier's check. certified check or money order made payable to Sovereign Bank and sent to the above address. IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ril!hts to accelerate the mortl!al!e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortl!ued property . IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period. you will not be reauired to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due. plus anv late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing bv the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may fmd out at any time exactly what the required payment or action will be by contacting the lender. . ____ ___ri___._____._"___._ HOW TO CONTACT THE LENDER: Name of Lender: SOVEREIGN BANK Address: PO BOX 798, SHILLINGTON, PA 19607 Phone Number: 1-800-929-0234 Fax Number: 610-378-6659 Contact Person: Joseph B. Higham, Assistant Vice President EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may have the right to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN TIIREE 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 OTIIER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that purpose. HISPANIC AMERICAN ORGANIZATION 136 S. 4th Street Allentown, PA 18102 FtKM1e:610-435H5334 Fax: 610-435-2131 NEIGHBORHOOD HOUSING SERVICES OF THE LEHIGH VALLEY INCORPORATED ' 239 N.1Oth Street Allentown. PA 18102 PtKM1e:610-437-4571 Fax: 610-437-9958 E-mail: carolnhs@aoI.com Webslte: www.allentownnhs.org BLAIR COUNTY COMMUNITY ACTION AGENCY 2100 Sixth Avenue. Suite 102 AItoona, PA 16602- Phone: 814-946-3651 Fax: 814-946-5451 HOUSING OPPORTUNlTES OF BEAVER COUNTY,INCORPORATED 650 Corporation St Ste 207 Beaver. PA 15009 Phone: 724-728-7511 Fax: 724-728-7202 E-mail: hobc@timesnelnet WebsIte: wWw.hobc123.org COMMUNITY ACTION COMMITTEE OF LEHIGH VALLEY. INCORPORATED 651 East Broad Street Bethlehem, PA 18018 PtKM1e: 6100e91-5620 Fax: 6100e91-6582 E-mail: pmorton@CACLV.org Website: www.CAClV.org BUTlER COUNTY HOUSING AUTHORITY Nun Butler, PA 16003-1917 Phone: 724-287-6797 Fax: 724-287-7906 CHESTER COMMUNITY IMPROVEMENT PROJECT 412 Avenue of the Slates Chester, PA 19016 Phone: 61~78-8663 Fax: 61~76-3449 CONSUMERC~COUNSEUNG SERVICE OF NORTHEASTERN PENNSYLVANIA 1400 AbIngton executive Park Suite #1 Clarks Summit. PA 18411 Phone: 570-587-9163 ToIl-Free: 800-922-9537 Fax: 570-587-9134 E-mail: cccsnepa@ep/x.net WebsIte: www.cccsnepa.org NORTHERN TIER COMMUNITY ACTION CORPORATION 135 W 4th St Emporium, PA 15834-1123 Phone:814~1161 Fax: 814-486-0825 E-mail: willlam.krog@ntcac.org BAYFRONT NATO,INCORPORATED 31.2 Chestnut St Erie, PA 16507-1222 PtKM1e: 814-459-2761 Fax: 814-455-2743 E-mail: Bmlkcenter@aol.com Consumer Credit Counseling Agencies of PENNSYLVANIA GREATER ERIE COMMUNITY ACTION AGENCY 18 W 9th St Erie, PA 16501-1343 Phone: 814-459-4581 Fax: 814-456-0161 E-mail: r1lgeac@erle.net SAINT MARTIN CENTER 170 1 Parade Street Erie, PA 16503-1994 Phone: 814-452-6113 Fax: 814-456-7310 E-maIl: DPESCH1@AOL.COM SHENANGO VALLEY URBAN LEAGUE 601 Indiana Ave Farren, PA 16121-1759 PtKM1e:724-981~310 Fax: 724-981-1544 E-mail: jlong@pgh.net FAIR HOUSING COUNCIL OF THE CAPITAL REGION,INCORPORATED 2100 North 6th Street Harrisburg, PA 17110-2401 Phone: 717-238-9540 Fax: 717-233-5001 E-mail: hfhc@pa.net PENNSYLVANIA HOUSING FINANCE AGENCY 2101 North Front Street Harrisburg, PA 17105-8029 Phone: 717-780-3800 ToIl-Free: 800-342-2397 Fax: 717-780-3905 CONSUMER CREDrr COUNSEUNG SERVICE OF WESTERN PENNSYlVANIA 2000 L1nglestown Road. Suite 302 Harrisburg, PA 17110 Phone: 717-541-1757 ToI-Free: 888-599-2227 Fax: 717-540-4670 E-mail: jcorrell@cccspa.org Website: www.cccspa.org INDIANA COUNTY COMMUNITY ACTION PROGRAM, INCORPORATED 827 Water St Indiana, PA 15701-1755 Phone: 724-465-2657 Fax: 724-465-5118 E-mail: ICCAP@MAIL.MICROSERVE.NET CONSUMER CREDrr COUNSEUNG SERVICE OF DELAWARE VALLEY 801 Old York Road, Suite 301 Jenkintown, PA 19401- Phone:21~87-6679 Toll-Free: 800-989-2227 E-mail: customerservice@CCCSdv.org Webslte: www.cccsdv.org TABOR COMMUNITY SERVICES 439 E King St Lancaster, PA 17602-3004 Phone: 717-397~182 Fax: 717-399-4127 E-mail: kmmcdivitl@labomelorg HOUSING OPPORTUNrTlES. INCORPORATED 133 7th St Me Keesport, PA 15134 Phone: 412-664-1590 Fax: 412-664-0873 E-mail: HOIMAIN@AOI.COM Webslte: www.hoIsite.org CENTER FOR FAMILY SERVICES INCORPORATED ' 213 W Center St Meadville. PA 16335-3406 Phone: 814.J37.&450 Fax: 814-337-8457 E-mail: chrisslcanne@hotrnail.com CONSUMER CREDrr COUNSELING SERVICE OF DELAWARE VALLEY 280 N. Providence Road Media, PA 19063- Phone: 6100e27-2045 ToII-Free: 800-989-2227 E-mail: customerservice@cccsdv.org Webslte: www.cccsdv.org TREHAB CENTER OF NORTHEAST PENNSYLVANIA 10 Public Avenue Montrose, PA 18801'{)366 Phone: 570-278-3338 Toll-Free: 800-982-4045 Fax: 570-278-1889 E-mail: dphelps@trehab.org Webslte: www.trehab.org LAWRENCE COUNTY SOCIAL SERVICES INCORPORATED . 241 W. Grant Street NewCastle. PA 16103.{)189 Phone: 724-658-7258 Fax: 724-658-7664 E-mail: dhennon@lawcss.org CONSUMER CREDrr COUNSEUNG SERVICE OF DELAWARE VALLEY 190 Germantown Pike, Suite 140 NorrIstown. PA 19401- Phone: 610-272.{)578 T oII-Free: 800-989-2227 E-mail: customerservice@cccsdv.org Website: www.cccsdv.org NORTHWEST COUNSEUNG SERVICE 5001 N Broad St Philadelphia, PA 19141-2217 Phone: 215-324-7500 Fax: 215-324-6753 E-mail: nwcs@erols.com PHILADELPHIA COUNeR. FOR COMMUNITY ADVANCEMENT 100 N 17th St Ste 700 Philadelphia, PA 19103-2736 Phone: 215-587-7803 ToIl-Free: 800-930-4663 Fax: 215-567-2236 E-maU: mail@philapcca.org Website: www.philapcca.org PHILADELPHIA HOUSING DEVELOPMENT CORPORATION 1234 Market St 17th R Philadelphia, PA 19107-3721 Phone: 215-448-3132 Fax: 215-448-3188 E-mail: thomasroberta@hotrnail.com TENANTS" ACTION GROUP OF PHILADELPHIA 21 S 12th St 12th R Philadelphia, PA 19107-3614 Phone: 215-575.{)700 Fax: 215-575-0718 KOREAN COMMUNITY DEVELOPMENT SERVICES CENTER 6053-55 North 5th Street Philadelphia. PA 19120- Phone: 215-276-8830 Fax: 215-224-8150 ~ONOFD~RSFEDCOMMUNITY SERVICES 1920 s. 20th Street Philadelphia, PA 19146 Phone: 215-336-3511 Fax: 215-551-4327 E-maU: demetra.hllton@verizon.com NEW KENSINGTON COMMUNITY DEVELOPMENT CORPORATION 2513-15 Frankford Ave Philadelphia. PA 19125-1708 Phone: 215-427"()322 Fax: 215-427-1302 E-maH: NEWKENWLlBERTYNET.ORG UNEMPlOYMENT INFORMATION CENTER 1201 Chestnut Street, #702 Philadelphia, PA 19107 Phone: 215-557..Q822 Fax: 215-557-6981 HOUSING ASSOCIATION INFORMATION PROGRAM 658-60 N Watts St Philadelphia, PA 19123-2422 Phone: 215H978"()224 Fax: 215-765-7614 ACORN HOUSING CORPORATION 846 N. Broad Sl Philadelphia, PA 19130 Phone: 215-765-1221 Fax: 215-765-0045 E-maIl: ahcpalcph@acom.org Website: www.acomhouslng.org CENTRO PEDRO CLAVER. INCORPORATED 3565 N 7th St Philadelphia. PA 19140-4401 Phone: 215-227-7111 Fax: 215-227-7105 E-mail: centro@Libertynelorg HlSPAHIC ASSOCIATION OF CONTRACTORS AND ENTERPRISES 167 W. Allegheny Avenue, Suite 200 PhIladelphia, PA 19140- Phone: 215-426-8025 Fax: 215-426-9122 CONSUMER CREDIT COUNSElING SERVICE OF DELAWARE VAllEY 7340 Jackson Street Philadelphia, PA 19136- Phone: 800-989-2227 ToIl-Free: 800-989-2227 E-mail: customerservlce@cccsdv.org Webslte: www.cccsdv.org ASOCIACION PUERTORlQUENOS EN MARCHA 600 West Diamond Street Philadelphla,PA19122 Phone: 215-235-6070 Fax: 215-235-7335 E-mail: eaponte@amphouslng.org GERMANTOWN SETTLEMENT 218 W. CheIlen Avenue Philadelphia, PA 19144 Phone: 215-a49-3104 Fax: 215-843-7264 CONSUMER CREDfT COUNSElING SERVICE OF DELAWARE VAllEY 1515 MarketSt Ste 1325 Philadelphia, PA 19102 Phone: 215-563-5665 Toll-Free: 800-989-2227 Fax: 215-563-7020 E-mail: dtagllaferro@cecsdv.org WebsIte: www.cccsdv.org MOUNT AIRY, USA 6639-41 Germantown Ave Philadelphia. PA 19119 Phone: 215-a44-6021 Fax: 215-844-9167 INTERCULTURAL FAMILY SERVICES, INCORPORATED 4225 Chestnut St Philadelphia, PA 19104-3014 Phone: 215-386-1298 Fax: 215-386-9348 E-maH: ifsI@lsfinc.org Website: www.ifslnc.org PHIlADELPHIA NEIGHBORHOOD HOUSING SERVICES. INCORPORATED 511 North Broad St 4TH Floor Philadelphia, PA 19123 Phone: 215-988-9879 Fax: 215-988-1297 NATIONAL ASSOCIATION OF REAl ESTATE BROKERS HOUSING COUNSElING AGENCY OF PHIlADElPHIA 1420 W. SusquehaMa Philadelphia, PA 19121- Phone:215-2~737 Fax: 215-763-3799 E-maIl: C21H37004@AOL.COM NUEVA ESPERANZA, INCORPORATED 4261 N. 5th Street Philadelphia, PA 19140 Phone: 215-324"()746 Fax: 215-324-2542 E-maIl: motero@nueva.org ACTION HOUSING, INCORPORATED 425 Sixth Ave Ste 950 Pittsburgh, PA 15219-1819 Phone: 412-391-1956 Fax: 412-391-4512 E-mail: ahJ@actlonhouslng.org Webslte: www.actionhouslng.org NEIGHBORHOOD HOUSING SERVICES, INCORPORATED 355 5th Ave. Suite 1022, Park Building PIttsburgh. PA 15222-2407 Phone: 412-281-9773 Fax: 412-218-9987 URBAN lEAGUE OF PITTSBURGH One Smithfield St 3rd Aoor Pittsburgh, PA 15222-2222 Phone: 412-227-4802 Fax: 412-227-4870 E-mail: Ieague@hlllhouse.ckp.edu THREE R~RS CENTER FOR INDEPENDENT lMNG 900 Rebecca Ave. Pittsburgh. PA 15221- Phone: 412-371-7700 Fax: 412-371-9430 E-mail: freed@trcll.org Website: www.trcll.org FAIR HOUSING SERVICES CENTER 7 Wood Street, Ste 402 Pittsburgh, PA 15222- Phone: 412-391-2641 Fax: 412-391-2195 CONSUMER CREDIT COUNSElING OF WESTERN PENNSYLVAHIA 2403 Sidney Street, Suite 400 Pittsburgh, PA 15203- Phone: 412-390-1300 ToIl-Free: 888-599-2227 Fax: 412-390-1336 WebsIte: www.cccspa.org NAZARETH HOUSING SERVICES 285 Bellevue Road PIttsburgh, PA 15229-2173 Phone: 412-931-3510 Fax: 412-931-7255 E-maIl: bvandlvler@mtnazarethcenter.org Webslte: www.mtnazarethcenter.org GARFELD JUBIlEE ASSOCIATION, INCORPORATED 5138 PeM Ave PIttsburgh. PA 15224-1616 Phone: 412-665-5200 Fax: 412-665-5205 E-maH: GARFIElD@HILLHOUSE.CKP.EDU SCHUYKlll COMMUNTY ACTION 225 N Centre St Pottsville, PA 17901-2511 Phone: 570-622-1995 Fax: 570-622"()429 E-mail: ECONOPP@PTD.NET BERKS COMMUNITY ACTION PROGRAM BUDGET COUNSEUNG CENTER 247 N 5th St Reading, PA 19601-3303 Phone: 610-375-7866 Fax: 610-375-7830 E-mail: bcapberks@ao/.com foElGHBORHOOD HOUSING SERVICES OF READING, INCORPORATED 213 North 5th Street, Suite 1030 Reading, PA 19601 Phone: 610-372-8433 Fax: 610-374-2866 SCRANTON NEIGHBORHOOD HOUSING SERVlCES,INCORPORATED 401 W Market St Scranton, PA 18508 Phone: 570-558-2490 Fax: 570-558-2496 E-mail: nhscos@epix.net UNITED NEIGHBORHOOD CENTERS OF LACKAWAHNA COUNTY 410 Olive Street Scranton. PA 18509- Phone: 570-343-8835 Fax: 570-342-3972 CATHOLIC SOCIAl SERVICES 600 Wyoming Avenue Scranton, PA 18503 Phone: 570-342-1295 Fax: 570-342-Q985 E-mail: cathsoc@epix.net MERCER COUNTY COMMUNITY ACTION AGENCY 296 A Sl Sharon, PA 16146-1241 Phone: 724-342-0455 Fax: 724-342-1124 E-mail: HFK@nowonline.net PHOENlXVIlLE HOMES 250 N. Main Street Spring City, PA 19475- Phone: 610-948-1797 Fax: 610-948-1765 E-mail: HOMES933977O@aol.com CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA 208 W. Hamilton Ave. Suite 1 Slate College. PA 16801- Phone: 814-238-3668 Fax: 814-238-3669 E-mail: cccsnepa@celnetworks.com Webslte: www.cccsnepa.OflI MIOPENN LEGAL SERVICES 2054 E College Ave Slate College, PA 16801-7201 Phone: 814-238-4958 Fax: 814-238-9504 CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA 411 Main Street, Suite 102 E Stroudsbutg, PA 18360- Phone: 570-42CHl980 Fax: 570-42CHl981 E-maH: cccsnepa@ptd.net Webslte: www.cccsnepa.org FAYETTE COUNTY COMMUNITY ACTION AGENCY 140 North Beeson Avenue UnIontown, PA 15401 Phone: n4-437-6050 Fax: 724-437-4418 E-maH: msloboda@fccaa.org CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VAlLEY 607 West Street Road Warm/nIster, PA 18974- Phone: 215-563-5665 ToII-Free: 800-989-2227 E-mail: custornerservlce@cccsdv.org Website: www.cccsdv.org WARREN FOREST COUNTY ECONOMIC OPPORTUNTY COUNCIL 1209 Pemsylvania Ave W Warren, PA 16365-1841 Phone; 814-726-2400 ToR-Free:~231-1797 Fax: 814-723-0510 E-mail: swan@wfcaa.org COMMUNITY ACTION SOUTHWEST 150 W. Beau Street, Suite 304 Washington, PA 15301- Phone: 724-225-9550 Fax: 724-228-9966 E-maH: bmiller@caswg.org Webslte: www.caswg.org TRl-COUNTY PATRIOTS FOR . INDEPENDENT LMNG 69 E Beau St Washington, PA 15301-4711 Phone: n4-223-5115 TTYfTDO: 724-228-4028 Fax: 724-223-5119 E-mail: trip@trlpil.com Website: www.tripll.com WASHINGTON COUNTY HOUSING AUTHORITY 100 Crumrine Tower, Franklin Street Washington, PA 15301-6995 Phone: n4-228-6060 Fax: 724-228-6089 WASHINGTONoGREENE COMMUNITY ACTION CORPORATION 22 W High St Waynesburg, PA 15370-1324 Phone: n4-852-2893 Fax: 724-627-7713 CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 790 E. Market Street, Suite 170 Westchester, PA 19382- Phone: 610-692-4354 ToII-Free: 800-989-2227 E-niaH: customerservlce@cc<;sdv.org Website: www.cccsdv.org CONSUMER CREDIT COUNSELING SERVICE OF LEHIGH VALLEY,INC 3671 Crescent Court East Whitehall, PA 18052-0233 Phone:610-821~10 Fax: 610-821-8932 E-maH: cccslva@enter.net Website: www.consumercrediUv.org COMMISSION ON ECONOMIC OPPORTUNITY OF LUZERNE COUNTY 165 Amber Lane Wilkes Barre, PA 18703-1127 Phone: 570-826-0510 Toll-Free: 800-822-0359 TTYITDO: 800-432-8007 Fax: 570-829-1665 E-mail: ceo@sunlink.net Website: www.ceopeopIehelplngpeople.org CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA n E. Market Street. 7th floor Wilkes Barre, PA 18701- Phone: 570-821-0837 Fax: 570-821-1785 E-mail: cccsofpa@epix.net Webslte: www.cccsnepa.org CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA 201 Basin Street, Suite 6 Williamsport, PA 17701- Phone:570-323~27 Fax: 570-323~26 E-mail: cccsnepa6@eplx.net Webslte: www.cccsnepa.org BUCK COUNTY HOUSING GROUP 2324 Second Street Pike Suite 17 Wrightstown, PA 18940- Phone: 215-598-3566 Toll-Free: 866-866-0280 Fax: 215-598-1289 E-mail: nnilgram@bchg.org Webslte: bchg.org HOUSING COUNCIL OF YORK 35 South Duke Street York, PA 17401- Phone: 717-854-1541 Fax: 717-845-7934 E-maH: sherrle@houslngcouncil.org Webslte: www.houslngcouncil.org __~.,._""_._. ._' ..... ',__'~.~_"~'_'_'_"" _~~..,,_~~.______,_~... . v, .. _"""', ~_^.~.. _.~~~_ ,,,_,~_-,~,,.,_,~__,,,,,,,____~,_,,~,,,.,,_~~,~'____~'~_'.~..~_.~_",,,,~_,,.""...,_m ",....~~... .. .~'_'.N ,,_,._.".,0__._____."______.__._._.__.--.._.._ ..,_~..-._,,~~...... _~~h,-_____..__~_,._.__._ HOUSING AND URBAN DEVELOPMENT ("Huon) NOTIFICATION IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987 PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU. DATE: September 11, 2006 TO: RODSON A. CAMPBELL RE: Account No. 6819008066 FROM: Sovereign Bank The Housing and Community Development Act of 1987, requires that Sovereign Bank, F.S.B., notify eligible homeowners with delinquent home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for homeownership counseling provided by certain non-profit organizations. The following organizations are experienced in the provision of homeownership counseling and have been approved by the Secretary of Housing and Urban Development ("HUD"). PLEASE CONTACT THE NEAREST COUNSELING AGENCY ON THE ATTACHED LIST OR CALL THE HUD TOLL FREE NUMBER AT 1-800-569-4287 FOR MORE INFORMATION. The Bank does not provide homeownership counseling. However, should you have any questions about your home loan or the attached list you may call or write to the Bank. The name, address and telephone number of our representative is: SOVEREIGN BANK CONSUMER COLLECTIONS PO BOX 798 SHILLINGTON PA 19607 1-800-929-0234 If you desire to receive homeownership counseling, it is important that you promptly contact a counseling agency from the attached list. Joseph R Sedlock Jr. Vice President EXHIBIT I "E" _..--_.,.......--,-~_...,1. ..,,_.. HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987 PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU. DATE: September 11, 2006 TO: ANGELA M. CAMPBELL RE: Account No. 6819008066 FROM: Sovereign Bank The Housing and Community Development Act of 1987, requires that Sovereign Bank, F.S.B., notify eligible homeowners with delinquent home loans of the availability of homeowners hip counseling. Because your home loan is DELINQUENT, you may be eligible for homeownership counseling provided by certain non-profit organizations. The following organizations are experienced in the provision of homeownership counseling and have been approved by the Secretary of Housing and Urban Development ("HUO"). PLEASE CONTACT THE NEAREST COUNSELING AGENCY ON THE ATTACHED LIST OR CALL THE HUD TOLL FREE NUMBER AT 1-800-569-4287 FOR MORE INFORMATION. The Bank does not provide homeownership counseling. However, should you have any questions about your home loan or the attached list you may call or write to the Bank. The name, address and telephone number of our representative is: SOVEREIGN BANK CONSUMER COLLECTIONS PO BOX 798 SHILLINGTON PA 19607 1-800-929-0234 If you desire to receive homeownership counseling, it is important that you promptly contact a counseling agency from the attached list. Joseph R Sedlock Jr. Vice President . PIOSA REILLY & CAPEHART ATI'ORNEYS AT LAW M10lAEL J. PIOSA THOMAS E. REILLY, JR. THOMAS A. CAPEHARr ONE WINDSOR PLAZA, SUITE 202 7535 WINDSOR DRIVE ALLENTOWN, PENNSYLVANIA 18195-1014 TEL: (610) 530-7500 F~:(610)53Ch8190 TO: Rodson A. Campbell and Angela M. Campbell: We have filed this complaint against you on behalf of our client, Sovereign Bank, F.S.B. WE ARE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. Section 1692, TO PROVIDE YOU WITH THE FOLLOWING NOTICE: The amount of the debt owed by you is $54,609.81 as of November 22, 2006. Waypoint Bank is the original creditor for this debt. You have thirty (30) days from the date of this Notice to dispute the validity of this debt. If you fail to dispute the validity of this debt within thirty (30) days, we will assume the debt is valid and the amount of the debt is correct. If you notify us in writing that the debt or any portion thereof is disputed by you, we will obtain verification of the debt from our client and provide such verification to you. Please note, that despite the thirty (30) day period described above, the Bank is not required to wait thirty (30) days to take any actions to enforce its rights to collect the amount owed, including, but not limited to, filing a lawsuit against you. As such, you should expect the Bank to proceed with any such action within the time frame set forth in the accompanying complaint or documents, and any other previous correspondence you may have received directly from the Bank. Please note that if you have filed a petition in bankruptcy or if you have received a discharge in bankruptcy, this notice is for information purposes only and should not be considered as an attempt to collect the debt, but only enforcement of a lien against property. This letter is from a debt collector. This letter and any other correspondence from this office is an attempt to collect a debt and any information obtained will be used for that purpose. Sincerely, Y/. ./ 4-. ~~~ EXHIBIT ''''F'' XJ (J ~ t 1 ti ""- ..... ~ U) ~ fI1 ~ "-.l r-- ~ J:; ~ ~ ~ (") ~~~;. " l:_~:~ r~~'''- :. .~.-" r--:tB c:--...;.) ~ ~ to ::<!.:" ~ ~:D r- -om C:1-< ? - .~_l (_ ~~q (3m ~ ~ r-" U) ;.:;. \.p U1 .- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - LAW SOVEREIGN BANK, F.S.B., successor in Interest to Waypoint Bank, Plaintiff vs. ) ) ) ) ) ) ) ) MORTGAGE FORECLOSURE NO. 06-6827 Civil RODS ON A. CAMPBELL and ANGElA M. CAMPBELL, Husband and Wife, Defendants PRAECIPE AND POWER OF ATIORNEY FOR SATISFACTION AND/OR TERMINATION TO: PR01HONOTARY - CIVIL DIVISION: You are herebyauthorizOO, empowered, and directed to enter, as indicated, the folhwing en the records theroof: _x_ The within suit is Selled, Dhrontinued, Ended and costs paid. The within suit is SettEd, Disx>ntinued, Ended WITH Prejudice and oo;ts paid. The within suit is Selled, Disx>ntinued, Ended WITHOm Prejudice and oo;ts paid. Satisfactien of the Awanl in the within suit is acknowledged. Satisfactien of Judgment, with interest and costs, in the within matter is admowledged. Other: ~C~V Signature cf. autho zing party Thomas A. Capehart, Esquire Att<rney fer Plaintiff COST PAYMENI' VERIFICATION I UNDERSTAND THAT THE AOOVE ACllON CANNOT BE FILED AND I><X:KErED UNfIL ALL cosrs HAVEBRRN PAID. lNCLUDINJ SHERIFF'S fiSTS: AND HERRRYVERIFYTHAT ALL roSTS HAVE RRFN PAID. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECf TO THE PENALTIES OF III PA c,s. SECTION 4'104 RElATINGTQ ~RN ~MIlZ?~ Sigmture Date: 1~/rYO~ ~ c:;:') d'"' Cl jft C') - \J? o -n .-\ :::C-n f'\'\?" ~; \~S~, .~"'J;" --, -.-" .~,:?_1;~ ::~\' V' ~~ - q o (7' SHERIFF'S RETURN - REGULAR . .,. CASE NO: 2006-06827 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SOVEREIGN BANK F S B VS CAMPBELL RODSON A ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAMPBELL RODSON A the DEFENDANT , at 2035:00 HOURS, on the 30th day of November, 2006 at 815 RIDGEWOOD DRIVE MECHANICSBURG, PA 17050 by handing to ANGELA M CAMPBELL, ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff1s Costs: Docketing Service Affidavit Surcharge So Answers: 1!,Q!b7 Q.. 18.00 11. 44 .00 10.00 .00 ..I 39.44 .~~~ R. Thomas Kline 12/01/2006 PIOSA REILLY CAPEHART before me this day BY:~V-d~ ? Deputy Sheriff Sworn and Subscibed to of A.D. SHERIFF'S RETURN - REGULAR ~ . .. CASE NO: 2006-06827 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SOVEREIGN BANK F S B VS CAMPBELL RODSON A ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAMPBELL ANGELA M the DEFENDANT , at 2035:00 HOURS, on the 30th day of November, 2006 at 815 RIDGEWOOD DRIVE MECHANICSBURG, PA 17050 by handing to ANGELA M CAMPBELL a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge IJtCf/fl1 0- 6.00 .00 .00 10.00 , .00 ../ 16.00 So Answers: 7~;9?~ ~ ~ 1'~ R. Thomas Kline 12/01/2006 PIOSA REILLY CAPEHART Sworn and Subscibed to By: ~7L .t), puty Sheriff before me this day of A.D.