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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION.. MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. (Iu.: - /7 ~'3 C '"..j.: l~,\,'\
va.
RICHARD L. FISHEL a/kla
RICHARD L. FISHEL, JR,
Defendant
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 personallv 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 OR CANNOT AFFORD ONE, GO TO OR TEI.EPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
Court Administrator
Fourth Floor, Cumberland County Court House
South Hanover & High Streets
Carlisle, Pennsylvania 170'13
Telephone: (717) 240-6200
AVISO
USTED HA SIDO DEMANDADO EN LA CORTE. SI usted desea defenderse de las queJas
expuestas en las paglnas slgulentes, debe tomar accion dentro de velnte (20) dies a partir de la
fecha en que reclblo la demanda y el aviso, Usted debe presentar comparecencia escrlta en
persona 0 por abogado y presentar en la Corte par escrito sus defensas 0 sus obJeciones alas
demandas en su contra,
Se Ie avisa que si no se deflende, el caso puede proceder sin usted y la Corte puede decldir
en su contra sin mas aviso 0 notificacion por cualquier dinero reclamado en la demanda 0 por
cualquier otra queja 0 compensacion reclamados par el Demandante, USTED PUEDE PERDER
DINERO, 0 PROPIEDADES U OTROS DERECHOS IMPORTANTES PARA USTED,
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE.
SI USTED NO TIENE 0 NO CONOCE UN ABOGADO, VAYA 0 LLAME A LA
OFICINA EN LA DIRECCION ESCRITA ABAJO PARA AVERIGUAR DONDE
PUEDE OBTENER ASISTENCIA LEGAL.
Court Administrator
Fourth Floor, Cumberland County Court House
South Hanover & High Streets
Carlisle, Pennsylvania 17013
Telephone: (717) 240-6200
"
CONDOMINIUM IUDEI'
TIII~C()NIX)MINIUM RUI/'M I. Illude Ihis ..,....~~ll,d,...., ....,...... .I"y uf ..,.. ..t-1!!,'..';IL..,.. .......... .........." I~,~P..,..
and I, incurpurnledilllu "nd ,111I11 be deellled h. "llIellll "lid '''pplelllelll Ihe Murl~"~e, Deed uf TillS! ur Seeurily Dee.1 (lhe
"Security II~g~~u:~~~l~J~M'f "~W~~r~~e 11~fr'M)YI~~~1~ll,u~ri~r::nlit~lft;;~J')rrowl'r' " h) secure Ull'rI}Wer'" NUle II: ','," ':.'.:.;;.
.."...."", .........",.., ......,........,....1...".."""..,...." ,..""",....",'.... ,......"""",,'....,'..,....,......, (lhe """I,, )
ur Ihe "ann: dUle oml ,:overlng Ihe Prol)C,ty dC~I.'rl")f.'" in Ihe Srl.'urily InMIlI1nc1I1 '''Ill Ilx:ntc,) ut:
"":"",,, ,~,~q~ p" ~m<'.Yf', ,~)r, Lv!!." !:1~<;t!~II,1 ,:t!~.\I.I:!J... ,l'crmH,y !:;iHl 1.i.I.." 1, 7.<),7~""""""."".."""..
Irlo~"'ly Add"")
The PrulJC,ty inchu.le" II unil ill. lu~elhcr wilh UIl IIl1llivhlcll illICII.'!i1 in Ihe 1."11111I1111I clclllclIl~ 01'. U ":lIIUhlllliniulll pIllI,,',:1
known 0";
.."., ,fi,'.I!ll{lll,ld. L\"ldll'! In.1 lUll.
INAIll. III CUllIlHllunlUln "mlttell
(lhe "Conduminium I'rnjcc."). Ir Ihe UWller." IlM"....illlhm III tlthcr elllity whh:h u..:h ('Ir the CunuominlulII Projc,,'t (lhe
"OwncUl A!\rmdulion") huhb title Ie property fur th~ hCllent or UM! o( ilfol mcmbcn or shurcholders, Ihe Prurcrty ulso indudcs
Dorruwer's interesl In thc Owners ASM>ciuliun und the uscs, PWl'cl.',b and benctits uf lJurrowcr','i inlcrl"",
CUNJ)()MINIUM t'UV.:N^NUI, In uddiliollto the ,,'uvcnunts und UKn.~cIUCnl!\ Illude in the SCl'urilY Inslrulllcnt, Borrowl'r
and lender funhcr cuvenant llnd uMrec us fullows:
A. CllndllllllnlulII ()bIlKllIlln~, Ilurrllwer .,hall perl'urm all Ill' IIl1rrllwer's ubliHOlilllls ullder Ihe t'lIl1dlllllllllUIII
Prujecl's CIIII"iluent I>lIcumelll., The "CIIII,lituelll n.ICulllelll," "re Ihe: <i) I>eclolllllllll IIr allY ulher d'ICulllent which
cre"te~ Ihe CUlIdllminiulII Project: (ii) hy-Iaws; (Iii) clkle IIf reHul.lilllls; alld (Iv) IIlher equivalent d'ICumellls, Illlrrllwer ,t",1I
pllllllplly pay, whell due, 1111 dues "lid a"essments hlllk.sed pu"uant h. the t'lIusliluellll>'ICumellls.
II, lIu18rd Insurancr, Su lung us the Owncr!t AsstK:iution Ilmiluuins, wilh u generolly lu,:ccJlted illSlIl'IllICe ,,'urril.'r, n
"llIuster" or "blunket" pulicy on the CundtJIlliniurn Project whidl is sUlidllctory 10 I.ender ami which provides illsurmh:c
cuvelllge IlIlhe aU\lIUnls, fur Ihe pcri'kls. and "~ainsl the h"/lIllls I.ellder re'luires, IlIcludillg lire "nd hOlllrd" induded within
Ihe terlll "exteadell euverage," Ihen:
(I) Lender waives Ihe plllvlslun ill Unll'lIl1n Cllven"nl 2 fur Ihe mllnthly paymelll III Lender uf IIne'lwelfth III'
the yearly premium inslallments for hul.luc.I inMHllIh:e IIn Ihe Pwrerly~ nml
(ii) IJorwwer'l\ ohlituuinll undcr Uniform Covenllnt ~ 10 IIInintain hll/llul InsurallC~ l'ovcra~~ 011 Ih~ I'roperly
i, deell1ed s"llSlied lu the eXlenl thai Ihe required ellve"'~e is plllvided hy Ihe Owners ^'''ICioliun policy,
Borrower sholl give u:mJer prompt nut ice uf IlllY lapse in lequired htllard insunml'e covcrugc,
In the ~vent of 0 distrihution of hazard insurance prol'C'cds in lieu uf reMuratiun or repair following It loss to Ihe
PIlIpcrty, whether 10 Ihe Ullil ur III conllnlln elelllelll'. ""Y l"'ICeed, p"y"ble III lI11rrllwer "re hereby ""iglled and ,hall be
pnid lu Lender fllr appliealilln h) the SUIIl' .ecured by Ihe Seeurity InstrUlI1enl, with any exeess paid lu Illlrrllwer,
C. Puhlle Uablllly huurlnct. llllrrllwer ,hlllllnke ,ueh lIetillns ns IIII1Y be renslln"hle III illsure Ihalthe Owner"
Asslx:iulion maintains H puhlic Iiuhility insurance policy IIcceplahle in form, amount, and extenl of ,,:overagc tn Lemler,
1>, Condemnallon. The pnx:ceds of any IIward or dllim for dlll1Ulges, direct or cOllsequentilll, payahle tn norrowcr
in conneclion with any condemnation or othcr taking of all or any part of the Properly, whettu:r of Ihe unit or of the COllll1UlIl
clcmcnl~, or fur any ctmvcyanl'c in Iicu of COndCl1l11utilln, arc hereby assilll1cd and shull he puid to l.endcr, Such pnX:l!cds
,hall be applied by Lender III Ihe 'UIllS .eeured by the Securily III'trull1enl ns plllvlded In Uniforll1 Cllvellanl 10,
E. Lrnder's Prior ("un~ent, norrow~r shull not, clu:ept uner notice to Lender IInd with Lender's prior wlIllen
consent, ~ither ranilinn or subdivide the Properly or cnllsent 10:
0) I"e abandonmcnt or terminal ion or Ihe CUlII.lollliniuln Ilrojrct, cx..:ept fllr Uhlll1l.1ollment or terlllin;uion
rCliuired by law in Ihe cuse of substantial destruction hy fire or othcr l'llsualty ur in the ca~c of B laking by concJel11l1ation
or eminern domain;
(iI) uny tlmenUlllcllt to any provision of thc COllstituent [)uf,.'umCnls if tllc provision i."i fur the ell~)re:iS benefit
of Lender;
(iii) lermination of prurcs~iollal lIIanugement all~ us:'\ulltplion of self-management uf the Owners ASSlH.:iation;
or
(IV) any n,llolI which would h"ve Ihe effe<l of relldering Ihe puhlic Iiahllity in,,,,,anee eoveru~e lIIainlained hy
Ihe Owners Association un"eeeplahle 10 Lellder,
t'. Rtmtdles. If Borrower docs nol pay eOlldolllinlulII du~, and asseSSlllenls when due. Ihen Lender lIIay pay thelll,
Any amounts di,bursed hy Lender under thi, purug"'ph F .hall hecume "dditiollal debtuf 1I0rrower secured by Ihe Seeurity
InMrumenl. Unlu~ Rormwer und Lender agree to lither terms of payment, the~e iUllOunt!\ ~hull bear inlcreM rrnm the date
of di,hursement ollhe Nole rule and ,hall he p"ynhle, wuh illlere"" upon not lee I'IllI11 Len~e to Ilorrof\: reque",n~ pOYlllent
IlY SIGNING ilfl. .w, Ilorruwer :ec~~l~ ~n,d~~ree' h' Ihe lerm' "ncti'o~~r:~'\tJ:e ~ Ir~~r7onllllium Rrder ,
WI1HISSlD IY,: ! ;rwtv~ XiJj 'rfbliini i, F~qh i ,. - " B~~g~~~
".. (Seal)
.Borrow,r
IIUllISlAII c.L.DOIlINIUllftrOlft-S1nOI. FAmlly-flnnl. M..""ddll M.. UNIFORM INSTR""'I~Tl1')3' I) fir. Form 3140 1110
T ~,M. .. f^CE.. II\)
TillS SECURITY INSTRUMENT combines uniform cov.nan.s for nallonal u.e amI non, uniform covenanl. wllh Ihnll.d
varlallon. by jurisdlcllon .0 con.lllul. a uniform ..curlly In.lrumenl cov.rlng real prupcrty,
UNIFORM COVI!NANTS, Borruw.r and L.nd.r covenanl and agr.. a. follow.:
I. Paymenl ot Principal and Inltresl; Preplymenl and 1.lle Charaes, Borrow.r .hall prol1lplly pay when due
Ih. principal of aod Inl.r... 00 Ih. d.bl .vld.oc.d by Ih. Neu. um\ any pr.paym.n. and lal. charges du. under Ih. NOI.,
2, Funds tor Taxes I~d Insurance, Sub).CIIO applkahl. law ur 10 a wrillen walv.r by l..nd.r, Ilorrow.r .hall
pay to Lend.r on the day mombly paym.nls ar. due under the NOI., untlllh. N<1I. Is paid In full, a sum ("Funds") for:
(a. yearly lues and a.....I1I.nlS which may .lIaln pdorlly ov.r .his S.curlly In'lrum.nl a. a 11.0 on Ihe Property; (b) yearly
I....hold paym.nlS or lround r.nls on Ih. Property, If any; (c) ye.rly hazard or property Insurance pr.mlums; (d) yearly
nooo Insuranc. pr.mlums, if any; (.) yearly mortgage Insurance pr.mium., If any; and (I) any sums payable by Borrower
10 I.end.r, In accordanc. wllh Ih. provisions of paragraph 8, In II.u of Ihe paym.nl of mortgage In.nr.nce l,r.mlul1ls, These
lI.ms are call.d "Escrow It.m.,.. Lend.r may, alany 11m., collecland hold Funds In an amounl nOllo..c..dlh.mulmum
amuun. a I.nd.r for a fed.rally r.lal.d mortgage loan may r.quire for Borrow.r's escrow accounl und.r Ihe f.deral R.al
Estale 5elllem.nl Proc.dur.. ACI of 1974 as am.nd.d from lime 10 11m., 12 U,S,C, t 2601., stq, ("RESPA"), unl...
anolh.r law Ihal applies 10 Ihe Funds selS a I....r amounl. If so, Lender may, a. any tlm., coll.ct and hold Funds in an
amount nollo .xc.ed the le..er amoun., Lend.r may ..llmale .he amounlof Funds due on Ih. basis of curr.nl da.a and
rea.onable e"imal" of expendllur.. of fulure Escrow It.ms or olh.rwl.. In accordanc. wllh appllcabl. law,
The Funds .hall be h.ld In an InSlllutlon whose d.poslls are Insur.d by a feder.1 ag.ncy, Inllrum.malllY, or enllly
(Including L.nder, If Lend.r Is such an institution) or In any Fed.ralllome Loan Bauk, I.end.r .hall apply Ihe Funds 10
pay Ih. Escrow It.ms, l.nd.r may nol charge Borrow.r for holding and applying Ih. Fund., annually analyzing Ihe .scrow
accounl, or v.rlfylnglhe Escrow It.ms, unl... Lend.r pays Borrow.r Inl.r..1 on Ih. Fund. and applicable law pcrmlls Lender
10 make such a charge, How.ver, Lender may r.qulre Borrower 10 pay a ,"'.-tlme charge for an independ.nl r.al eSlale
lax r.poning service used by Lender In conneclion with this loan, unle.. applicable law provld.s otherwise, Unle.. an agreemem
Is made or appllcabl. law requlr.. inl.resllo be paid, Lend.r shall nol be r.qulr.d 10 pay Borrow.r any Inleresl or .arnlogs
on Ih. Funds, Borrower and Lender may agr.. In wrlling, however, Ihallnl.reSl shall be paid on the Funds, I..nder shall
give 10 Dorrow.r, wllhoUI charge, ao annllal accounllng of Ihe Funds, showing cr.dll. and debils 10 Ihc Fund. and Ih. "urpc...
for which each debillo Ih. Fund. was made, The Fund. are pl.dg.d a. addlllonal security for all sums .ecur.d by Ihl. Securlly
Instrumen.,
If the Fands held by Lender e.ceed the Wllount. pennlncd 10 be held by applicable law, I.end.r shall accmlOllo Borrower
for the exc... Funds in accordance wllh Ih. requirem.nls of appllcahle law, If the amounl of Ihe Fund. h.ld by Lender at
any time is not sufflclenlto pay lh. Escrow II.ms when du., Lend.r may .0 1I0lify Dorrow.r In wrlllng, and, in .uch ca..
Borrnwer shaU pay 10 L.oder Ihe amounl n.c..sary 10 make up Ih. defici.ncy, Borrow.r shaU make up Ih. d.ficlency In
no more Ihan Iw.lve monthly paymenlS, al L.nd.r's '01. dlscrelion,
Upon paym.nl 10 full of aU sums s.cur.d by Ihl. S.curily Instrum.nl, Lender shall prumplly refund 10 Borrow.r
8ny Funds held by I.end.r, If, und.r paragraph 21, Lend.rshall acquire or ,.U the Property, l..nel.r, prior 10 Ihe acquisition
or sale of Ihe Property, shaU apply any Funds h.ld by Leod.r al Ihe tim. of acquisillon or ,al. as a credil 8galnst the ,ums
.ecur.d hy Ihls S.curlly Inslrumenl,
J. Appllcallon ot Paymenls. Unl.ss applicable law provid.s olherwlse, all paym.nlS receiv.d by l.ender und.r
paragraphs I and 2 shall be appll.d: finl, 10 any prepaym.nl charg.s due und.r Ih. NOI.; second, 10 amounts payable und.,
paragraph 2; Ihlrd, 10 inl.resl due; fourth, 10 prlncip.1 due; and lasl, 10 any lal. chnrg.. due under the Nole,
4. Chl'les; Uens, Dorrower shall pay aU lases, ass.ssmenlS, charges, fines and Imposillons allribulable to Ihe
Propeny which may analn prlorily ov.r .his S.curily InSlrumenl, and lea,ehold paymenls or ground renlS, If any, Borrower
shall pay Ihe.. obllgallons In Ih. maoner provld.d in paragraph 2, or If nOl paid in thai manner, Borrow.r shall pay .hem
on time dir.clly 10 the person ow.d paym.nl, Borrow.r .hall promplly furnish 10 I.end.r aU nOllce. of .mounl! 10 be paid
und., this paragraph, If Borrower mak.s th... paymenl' directly, Dorrow.r .hall promplly furni,h 10 Lender rec.iplS evld.nclng
Ihe payrnenls,
Dorrower shall promplly dlscharg. any lien which has priorily over this Securlly In!!rum.nl unleS! Ilorrower: (a)
agr... in wrlllng 10 Ihe paymenl of the obligation secured by the lien In a mann.r acceplabl. 10 I.endcr; (b) cont.sls In good
failh Ihe lI.n by, or def.nds againsl .nforcemenl of Ih. lI.n io, I.gal proce.dlngs which in Ih. I..nder's opinion operale 10
pr.venl Ih. enforcemeol of Ihe lien; or (c) s.cures fromlhe hold.r of Ihe lien an agre.menl sall,facllllY 10 Lender subor,
dinallog Ih. lI.n 10 Ihis Seeurlly Instrumenl, If Lender delermln.s Ihal any "arloI' Ih. Properly Is subjecllo a II.n which
may attain priorily over Ihis Securily Instn,m.nl. Lend.r may give 1I0rrower a nllllce Id.nlifying Ihe li.n, Ilorruwer shaU
S8llsfy .he lien or lake on. 0, more of Ih. actions ,et forth above wilhin 10 days of Ih. giving of nOlie.,
5. lIa.a.d or Properly Insuranu, Burrower shall keep Ih. improvemenl! now ..isllng III her..li.r erel'l.d on
Ih. 'Propeny Insured against loss by fire, 'halard, Included wilhin Ihe I.rm "cxlende,\ coverage" und any olhcr hazards,
including floods or flOOliing, ror which "Lender requires insurance. This insurance shall be maintained in the amounls und
Mud ,~~3 mt ?8b
Form 303t lito fllIIJlf lollS plJltlJ'
fur the pcriu4Js Ilulll.l~ntlcr rellulres. The 11l"uulIll.:e l:lIrril'r pru\'i,lill~ IlIc in~lItllnl'c "lIulllll' dlll,'iCn hy Bmnt\H'r SUhjl'l:1 Itl
L.ender's uppmval which ",hall nul be unreaMJllllhly wllhltehl. If nmrower luib to l1H1illlililll't)\'l'ril~l' tlcsnihcd IIhuvc, l.l'ur.ll'r
IIIIJ.Y, at l..cmJer's option, oblain f.'uvcruge lu IlfOtel.'1 Lenller's ri~hls ill the Property ill ill:l'OuhmcC' wilh puru~ruph 7.
All insuran,"e IX)liclcs and rcnewals shull he 11l'l'cptnbll' h) l.cmler alld shllll illdlltll' II Stillltlltrllll"Jlt~IIIlC l'IIHISl~, I.cnlll'r
shull huve Ihc rl~ht tu huld Ihc policies ulIll rCIIC'wuls, II" I.l'lI,lcr rcquirc.'i, HOllowcr ,'ihalll'rllllll'lly ~ivc Itll.cluk'l' ull fCl'd!,I'i
l!f paid premiullIs and re'lIewaluulh.:cs. IlIlhe CWlIlllf lo,'ts, norrowcf 'ihall itive pmlllptlltllk'l' It) thc ill\utllJll:C l'allil'r 1111\1
Lender, L.ender may makc pmof of los,\ if 1101 Illude prompt I)' by Burrowcr,
UnlcNs L.cnder ulld Borrowcr olhcrwi.,c ullr4.'4.' III wrilill,ll, illsuran,"4.' PlUl'f.'cds shull hc 1I1'11lictllO 1'I:S1oratioll 41r 14.'l'lIir
o( Ihe PrulX'rty damaged, i( the resloration 41r rCJluir i!'! eculhllllkally fcasihle und l.ClIlh:I"S 'il'l'mit)' is lIotlcs'iellcll. Ifllll'
resh>ralion or repair is nut e,"ollmnkully fcusiblc or l.4.'lldcr's sccurity would he lessencd, thc im~UHlIll'l' prncccd'i shull hl'
applied to the sums srcurcd by Ihis Security Instrullll'l1l, whetlIl'r ur not thcn lJUC, y.ilh UIl)' ex,'css puid to Borrow,",r, It' Burrow,,'r
I.lbandul1N thc Property, ur docs not an!liy.cr "1111111 .\0 tluys a lIolh,:e from Lelldcr Illal 11I1' ill~Umlll:C \.'arricr ha" 1Il1crc,1 hI
sellle 0 claim, then Lender III:IY l'ollcct thc illSUrUIIl:c pWl.'cclls, Lcntlcr lIIay use the prOl,,:cl'ds It) rl'puir llr re~lor,,' Ihc Propcrty
or 10 pay sums sc,"ured by this Sccurity IlIstrulllclIl. "hetllcr or IIt1l thell due, The JO-day pcriod will hC!lill whl'n tltc IUllke
is given,
Unless Lender und Borrower otherwise agrec in writillg, uny application of PHIl'l'cds to prindpul shall lIot l"fl.'lId
or postpone the due dUll' of Ihe lIIul1Ihl)' pay men!." refcrred to in pm:lgraphs I and 2 or dlallge Ihe UIIIOUlllllf the pa)'III"'III.'i,
If untler purugraph 21 the Prop_my is "4.:''Juired hy I,ellder, Borrower's right to uny in,\uran..:e: policies .Ind procccds resullillll
frum dallllJ~c In the Property prior 10 the al'lluisilioll slmll puss 10 Lcnder to the cxtclllllf Ihe: SUIIIS sel'uretl hy Ihis Sl.'l'uril)'
Instrument immediately prim II) the "cquisiti,"1.
6. Occupancy, Pre,ervatlon. Molnlenance onll I'rulectlon IIf Ihe I'roperly; Ullrro...r', I.lIan AIlI,lIcalllln;
l.es!tl'lmldti. Burrower shall occupy, eslablish. and u~c the Property as Borrower's prindpal residcnl:c within si,'\ly dll)"S
after the execution of this Sel'urity InNlrUlllcnl und shull continue to occupy Ihe PWpCrI) as Ummwcr's prilldpal residclIl,'c
for at least one year after 1114: date or oc,"uPUI1l:Y, unlc.'\s Lender otherwise agrees in writing, whkh COllsent shall lIot l;lc
unreasonably wilhheld. or unless cXlenu:.uiflg drl'UIlI,"itullt.'cs exist whkh arc beyond Uorrowcr's nH1trol. Bormwrr shallnol
destroy, damage or impair the Properly, allow Ihe Propcrty (0 deleriorate, or '"tJlIIl1Iit waste UII the Prupcny, BOflowcr shall
be in <<c(aull if any forfeirure uClion or prm.:ccdin~, whelher dvil or nillllllill, is h~gun Ihat inl.ender's ",oml laith jutlp,lI1l'1l1
clluld result in (urfeiture or the Properly or lllllef'wise IlJatcrially illlpair Illc lien creilted hy this Sl.:l:urit)' 111~tnJlllcllt (If l.l'lnler's
security interest. Borrower may l:urc such a dehlult and rcinstate, liS provided in paragraph IX, hy ,'..using Ihe al'li(lI1 or
pW4.:'ccding to he dismissed with a ruling thai, in Lcnder's gnod failh determin:'llion, predutlcs lmrciture of the Bnrrowl'l''s
interesl in the Prnpcrly or othcr nmlel'ial illlp;,inllclIl of the lien 4.:'rcutcd hy this Sccurity Instrulllenl or l.cnJer's sccurity
illlercst. Borrower shall al,'to he in default if Borrowcr, during the loan application pm,'ess, gave lIutlerially false or inu,'curatc
information or statements 10 Lender (or faileJ In provi~le l.cnder wilh allY IIHllcrial informatlun) in conllection with the loan
evidenced by the Note, induding, but not limited 10. reprc,'\enliltioll'; cuncerning Borrnwer's oCf.'upan,'y of the Pmpl'f.ty a~
.. principal residence. If Ihis Security Instrulllcnt is 011 a leasehold. Borrower shall cOIllply wilh all the provisions of Iht It.'a~c,
If Borrower aClIuires (ee tille to the Property, lhe Icasehold and the fee lit!e shall flot merge unless Lendcr i1gl'Cl'S 10 tile
merger in writing,
7. Pruleclilln of I.enll..', RighI.' in Ihe Prllperly, If Uorrllwer fuil, III perforlllthe covellulll, ulld agreclllell"
,"omained in Ihis Security Instrument, or there is a lellal proceeding that may nignilkantly arrccll.cnder's rillhlS inlhc Properl)
(such as a pro,"eeding in bunkruptcy. pr()bat~, for ,"ondcfIIllatjon or forfeiture or to enforce laws or rcgulali41lls), Iltcn l.endl'r
may do and pay for whatevcr is neccssary to prolCl'1 the value of the Property nnd l.ender's rights in th,: Properly. l."'II4Jer's
actions may include paying .II1Y SUItIS secured by a lien whkh ha,\ priorily over Ihis Se,"urity InslrulllClll, .Ippearlllg illl'OUrI,
paying reasonable alturncys' fecs and entering lllllhc Propeny to make repuirs, Although Lcndcr may lake al,ioll Ullder
lhis paragraph 7, Lender IInc, nlll have III dn so,
Any ameli nt, dishursed hy Lenller und.r Ihis parngral'h 7 ,hall becolllc addilional ,I.'hl of no"nwer seclIred hy Ihi.'
Security Instrument. Unless Borrower and Lemler agrec tn otlll:r tcrms of paymcnt. thl'se amounts shall hear iUlcrest from
Ihe date uf disbursement at the Nlltc rate and shi.,11 be payahle, with interest, upon lHllk,' frollll.cnder hl lJorlt)wer I','qucstillg
paymenl.
8, J\lorlgRgf In~ur8nce. If Lender rcquired lIIortga~c InSUrallf..'C ;.1,'\ ;.I ,"ondition of making Ihe lo:m sel'lHed hy this
Security Instrumcnt, Borrower studl pay the premiullls required to maintain Ihc 11Iortgage insuran,'C' ill cffcl't. H. for any
reason, the mortgage insurulu.:e coverage required by l.cnder lapses or ceuses to he in effect, nOHOWCr shall pay lhc pl'cmium!'!
rcquired 10 ublain coverage substantially equivalent III the mortgage insuranl'l~ prc\'iously in effcl't. n: a cmt suhst<llltiully
equivalent to the ,"ost to Borrowcr of Ihe mortgage insuraJ1f..'c previously in clTc!,'t, from an ;lllertlil!C tnl)rtgagc insurer ll(1proVl'd
by l.ender. If substuntially C4uivulent lI10rtgage insur;lI1l'c l'ovcrage is not availahle, Borrowcr shall pay In l.4.'nder eadllllollth
a sum (qual to ollc-lwclfth of the yearly lIlortgage insuran\.'c pn:mium hcing paid hy IJorrowcr whcn the ill.~Uralll'c l'o\l'Cra!lc
lapsed or \:cased hI he in e(fel.:!. l.endcr will al:l.:Cpl. use alltl rCHlin Ihcse pUYlIlcrlls liS a loss reserve in lieu of mortgage
iusunllll.:c. L()s~ restrve pUYlllcnls lIluy 1141 lunger be rcquired, allhe optioll tll' l.cmlcr, if 1II00tllagc in,'\ur:lI1,"c f.'overagc (in
the alllount and for the period thai Lendcr rC4uires) providcd by an ill,\mcr approved hy I.ender again he\.'oflles IIvailahlc
Form 3039 9/90 '/trlllt .10/ ~ 1'lllltlJ
bOU~ ll:~3 fm ~8:.J
ami is uhtulncll. Unrrowcr shull pa)' Ihe IlrellllUllh r~llllirl'd h) lJIaintuIn lIlorlgulll' in~uram'l' III C'l'h.'I,'I, tlr hi provide II Im~
u~scr\lC, ulllil the rCtluircmcnI for IIIl1rt1!lI~C In...uranl,'l' ends in Ih,'I,'llnllllll'c ",lIh UII)' wrillclI il1!rl'l'lIICIII hcl",ct.'1l Borrower
IIml I.endcr or upplkuhle luw.
'I. ...sl.........lun. I,l'ndl'r or its ugenlllluy lIIa~e n..'u~tlllahle cnrrit:~ 11111111 "lid inSpl?l'llllll:\ of Ihe Properl)'. 1.1'1Hlcr ~hllll
gl\ll: Burrower Iltltkc al the IIlIIe Ilf llr prior 10 an lIl"pel'lillll ~pl't:llyillg rca"ollllhlc I.:UlI!\C tilr Ihc IIlSpCl.'lltHl
10. Condl!mn..Uun. The prnl.'ceds 01" UII)' aW(tulllr l'Iililll fllr dUlI\lIl!l'!\, dirl'l.:lllr l'onSCllllenlllll. iUI.'unllcl.'lion wilh
uny l,'olHkl1lnalinn or olher la~illg tlf UII)' purl of thc PTtlpen)', or hlr l'tlll\'l'Ylllh.'e IllliclI of l.'oIHIcIllIlUlhHl, arc lu..'n.'hy as!\lglu:d
and ,hall he paid In l.ender,
III du: evenluf 1.1 hllallukin~ of Ihe Pmpcl1y, Ihe prlll.'I,'clb !\hillllll: applil'd hHhc MilliS SCI.'lITt:d hy Ihi!\ SCl,'urity III!\trumCIII,
whclher 01' n!lllhen du\.', wilh uny e),l,.'c!\!\ paillto Borrowl'r, III thl,' l'Vell1 of a purthlll,,~ing of Ihc ProPl'rly ill whkh Ihe
fair markel value of Ih~ Pmpcrty il1l1l1edii.llely hcfnrl' thl' !lIking i!\ CtlUallt1 or grl'Ull'r Ihan Ihc allltlUfll Ilf thl' ~lm1." Sl,.'I.:urc~1
hy Ihi~ Sc~urily In~lruml'lII IlIIlUClliulcly hclurc Ihe Iuking, unlc~." Bmrowl'r uIHll.cnder 1)lhcrwisl' .Igrec III "rilmg, Ihc !\\II11!\
sCl,'url'J hy Ihis Security II1MnJlllcnt !lhull hl' rctllll,'cll hy Ihe i.IfIHlIlIIl or Ihe pWl,'ccl.ls lIIultiplied hy the ftlllowillg fral.'lion:
(a) Ihe IIllull.lll1l1UIII of the !lUIIlS !\l'curcd illllllellilllcly hcfllrc Ihe la~illg, dividel.J hy (h) Ihe fuir market vulue oflhc Properly
imlllcdiately hcfllre Ihe; laking. Any halal'I,'~ !>ohall he puilJ 10 Borrowcr, III Ihe evcnl of a paniall;.l~ing of the Propert)' in
whkh Ihe fair market vuluc of Ihe Propeuy i1l1l1lCdi111c1y hel"on: Ihe I..~ing i~ les!>o Ih.1I1 Ihe amount of Ihl" ~UIllS SCl,.'urcd illl-
mediull'Iy heforc Ihc luking, ullles~ Borrower IInd l.cnder olherwbe IIgrl'C In wriling nr \lull'S... upplkuhlc hlw olherwbe pro-
vides, Ihc pnlt:ceds shall he applied tn Ihe !\lllllS ~ccllrl'd hy thi!\ Sl'l,'lIrily InslrulIlelll whelher IIr Iwt Ihe !lIIlIlS arc then lIue.
If Ihc Property is ahandoncd by Borrowcr. Ilr if. ufter nOlkl' hy l.cnder 10 BorTllwcr thul the condemnor offers 10
make an uward or .!Iellle a dailll for damugl's, Bormwcl' fail." 10 re!\pnl1llln I.elhlcr wilhin .10 day!\ aner the dale Ihc notice
h~ given, l.cnder is uUlhoriled In collect and upply the: pmceed!>o, al ils oplion, cilher 10 re"tmation or n:pair of the Propcrty
or 10 Ihe sums sCl,'tlTcd hy this SCl'urity InSlnlll1t:nt, whelher or nOI Ihen duc,
Unless l.ender and Borrower otherwise lI~rcc in wrilin~, allY applicalinn of procccds 10 prirll'ipal !\hall nol extend
or poslpone Ihe due dale of Ihe mumhly puymcnts rderrcd hi in paragraphs I and 2 or change Ihe amount Ilf such paynu:nl!\,
II. Unrrowcr Nul Relcuscdi ~'lIrheurunre Uy I.ender Nol u "'uive-r. E\lcnsion of Ihe time for paYlllcnt or
111ntlilit'lIfioll of ulI1tJrtiltllilll1 of Ihe !oiUI11S sC'I,'UrelJ by lhb Securily In~trulllenl granled hy Lcnder 10 allY Mll'cc~sor in interesl
of Borrower shall nllt operale (0 releasc the liahilily of Ihc 'Jriginal Borrower or Borrower's !lUI'l.'I'SSllr!>o in inlcrcst. Lendcr
shall nOI hc rClluircll to l,.'Ollllllenc\.' proceedings ogain."t Ilny SUl,'l'essor ill interesl or rcfu!\c 10 eXlcnd lirnl: for paYllu:nl or
olherwise llIodify omortilalion of Ihe sums secured hy this Securily Instrumcnl hy rl'ason of any dcmand made hy the original
Bnrrowt:r or Borrower's successors in interest. AllY fnrhearanl,'c hy Lendcr in exerdsing any righl or remcdy ~hall nol hc
a waivcr of or preclude the exercise of any rig hi or rcml'dy.
12. Suce~..ors und AsslKns 1I0und; .Iolnl und S~v<rul J.lahlllly; Co.slgners, The mvenanl, and agreelllenl' IIf
Ihis Sccurily Instrumcnl shall hinll and henctitlhe successors and u!lsigns of I.endcr and Borrower, suhjecllo the provisions
of paragraph 17, Bl.lfrowc:r's covcnants and agreements shall hc jnirH and !\evera!. Any Bormwcr who l'\H~igns this Securily
In~lrulllcllt but lines not execute Ihe: Note: (nl is co-signing this Sl'curit,Y IllSlnlllll'n1 ollly to mortgage, grant and l,'llnvcy thai
Borrower's interest in ,he Propcrty under Ihe lerms of Ihis Sccurily Instrument; (h) is nOI personally ohlig1lfelllo pay lhe
Millis sel,'urcd hy this Security Instrument; and (c) agrees thai l.clldl,'r IInd any olher Borrower lllilY agrl'C 10 cl(lcnd, modify,
forhcar or ma~c any al'cllllllllodillinlls wilh regard h) thc tcrl\1~ of Ihis SCl:urilY Instrulllenl or II~e NOll' withoul thai Borrower's
consclU .
13. I..oun Ch..rK~s. If the loan secured hy this SCl.'urilY InstrulIlcnl i... ~uhjecllo a law which !>oet... maximum loun
charges, and Ihot law is tirullly interpreted so Ih.lllhe inll~resl or uther lllalll,'hargcs l,'Olll'l.'led or It) he l'l.lllCCICd in l'onnel,'lion
with Ihc loan cXl'eed the permitted limits, lhen: (a) any slldl 10l1n l'hllrge shall he redlK'cd hy Ihe amount necessary 10 rel.hll'c
lhe charge In Ihc permilled limit: and (h) any sums already collcL:lcd from Borrower which eXl'celk'd permitled limits will
he refundc:d In HlITrowcr, Lender may chome to make this rcfund hy reducing lhc prilldpalnwcd under the Note Ilr hy making
it dircl.'1 payml'lIl to Rllrrnwcr. If a refund rcdlll'cs principal. the reduclillll will he Ircillcd i.lS a pilrti~11 prl:payml'nl wilhtlUI
any prl'pa)lJllent charge under the NOle.
14. Nt)lh.'~s. Any nolicc to Borrower provided flJr in Ihi" Sl'curity ImlrUlIlcnt shall he given hy dcliverin~ il or
hy I1Hliling it hy tirsr class mail ulllcss applkahle law rl'quires u....e of anolllcr method. The Iltlth.:c shall he dire(;led 10 thl'
Property Address or any olher address Borrower dc."ignall,'s hy nOlkl' 10 Lender. Any nOlkl' 10 Lender sh;:11I he givcn by
tir!\1 da!\s maillu l.ender's i1ddress slilled hcrein l1r illlY othcr addres!l Len(kr dl'sign;lle~ hy Ilolil'c (I) Borrower. Any nOlin'
provided for in Ihis Security Inslrurnem shall he dl'cl11ed III havl' heen givl'n 10 Borrowt,'r or l.cnder whl'n glvl'n .1\ prllvided
in Ihh paragraph.
15. (;u\ll!rtdn~ I.uw; Se\'l'ruhllily. This Sl'curilY rn~rTlll1ll'llI ~hall hI,' gOVI'!'Ill't1 hy fl'\lcral law ilnd thc law IIf Ihe
jllrlsdil'lion in which Ihe Pm(lCr1y is IOCtIlL'd. In Ihe evcllllhal ;IIlY proVi!\ltlfl or l'lIHI...e o"lhi~ SCI.'lIrlly .mlrUIIICl\lllr Ihe Nole
cnnl1kls with applicahle law, such conllkt ~llilll nol aHect olhl'r provbilln~ of Ihi" SI:I,'urily Irblrul1ll~nt or the Note which
can h~ given efTect Wifh\Hlf Ihc l,'ounkling pruvi~ion, To thi." l'nd the provi~itlns (If rhis SCCllrlly In!\ITllIllI,'f1l and Ihl' Nole
arc t1r:durcd In he severahle.
16. IInrrnwer'" (:upy. norrower shall hI,' givellllTlI' rontmlllcd l'OPY IIf Ihe NOll' and of thi~ Sl'l'urily IU'ilrultlent.
Form 3038 '" f/'II,~".J of ~ ('fIll"')
.' 11')1) ')fl(}
~11(J~ ..,J I',\GE .. >J
17. Tr.n~r.. or IIle I'roperly or. lIenendollnloro,1 In lIurro..u, 1I111111r III1Y 1'1111 III Ih< P'"p<lIy IIr III1Y
InlereM In il i~ sui..! (If tranderred (ur If 11 hClu:ti,,'iul illtctc~l in lIorlllwcr h. 'lIhl Ilf 111I1I~rl'ffCd IUlllllmfu\\'cr j, nnlII IH'lUfI'l
peunn) Wilhuul l.clllltr'~ prior wrillcn ..:unsenl, l.cfldcr 1Il1l)'. lit jh IIIJlilll\. 'l'llll..C IIIIIIU.'diuh.' Pil)'IIICIII III 1'1111111 nil MilliS
~curcd by Ihl~ Security IIISlfunU,'llt. l'owl,"t'",'r I lhi~ '1111illl1 ~halll1llllll' ""'l'll'j'l',1 hy 1 ,..'Ihll" 11"'.'I.'Il'i,I.' b 1IIIIhihill'lI hy 11.',k'llIl
law a, ul Iii. Jal. III IltI, S..orily 111'11 ulII.nl ,
~ If Lentler c~erci~es this uplion. l.endC'r stllllllli\lc Borrower Illllil,:~ Ill' llt,:l:cll'rnlilln. Ttu,' Ilulk'c ~hulll'ru"illl' 111ll'lht4.1
ur nul le!l~ Ilum 30 lIoys from the lIule the nnll(l.' i.\ 1.!l..'h\lCrCllllr lIIitlkd wilhin "hh:h Burrow.." 11I11."11 I'll)' 1111 MlIll:\ ,",,"'I.'ulC.,',1
by thl!\ Securlly Inslrument. If Bllrrower fuih 10 po)' 111l.'s'" "1I1l~ prior Iu Ihe e"l'irnlilllt nl' Ihi~ perio,I, 1.l'luler 1110)' invlI"\.'
any rem('l.hc~ ~rll1illcll hy Ihi!\ Sccurily In:\lrulllcllI witlhllll hUIIII.'r 1111111.'1.' lIr 1.!&..'llIilllll UII Itouuwer,
18, ISurrowrr'" Mlttht In Kfln!'illllf, If Uorwwe." 1II1.'I.'b n:rtuin l.'1.1I1I.1I111111', UtllfO\\Cr shllll hnv&;' Ihe.' ri~hllo hllve.'
cn(urcclIlcnl uf Ihis Scc;urilY Inslrulllent lIisl.'11111imu.'u III IIn)' lime Ilfil.lr In Ihl.' c"urlier Ill': (n) ~ \In)~ h)' !'Iud. olh,,', IlCrit)l,l
a~ applift.'ublc law lIlay ,llpedfy for rein.'Halellu.'m) h,,'role s!lle Ill' Ihe hopCrI)' purMlUlI1 hI allY power of ,';lIle 1.'lIlIlnill,,',1 ill Ihi"
Securily Inslrument; or (h) enlry uf 0 jud~lIIenl CII""H:in~ this Scc;urilY 11I.''''UIIII.'1I1. 'l'hwu' l.'tIlIlJililln,'\ OIC thnl Uurwwer:
(a) pay, l.tll,l.r 011 '011I' which Ih.1I wllold he dll< ollder Ihi, Secorily 11I'"UIII.1I1 allJ Ihe Nllle '" if 1111 IIccelellllillll 1Ill,I
\M;curred; (b) cures uny default of IIIIY Illhcr l.'tI\iCIIIlIUS or lIl(r"'l.'lIIelll~; (I.') (J1l)''' nil C.'\Ilf..'IIM." illft.'urrl.'1.1 ill L'nforl.'in~ Ihi~ S"'I.'urity
InMruuu:nl, including, bUI nol limill.'\llo, rc..u~mllahle Ullmnl.'Y!lo' f,,'C's; IIIIU (J) Illkl.'~ sUl.:h Ul.'tilll1 liS l.emler IIIIlY rl.'lI'U1Hlhly
require In Orisure Ihulthe lien or Ihis Security InslrulIll.'llI, l.ende,'s ritdll' ill Ih,,' Prullf..'rl)' lUl\.l nllfrower'~ IIhlillUlioll to pu)'
Ihe SUIlIS sc\:urcd hy Ihis Sl.'curily IlI.'uruf1lcm 1'ihlllll.'unlinu", t1ndllllllll.'l.l, UpOIl r,,'in,slnll.'lllelll hy Burrowcr, Ihi1'i SCl.'urilY In.
turumcnl and Ihe nhliltBlions ,ccured tlcrt:hy shall remain fully effeclivc U!Io if nn Ill..celcrulion had u\:curr\~d, fluwc,"\ler, III is
rlahllO rein".I. ,hllll 11111 IIpply ill Ih. eose ul 1I..c1eraliulI ulIJ.r parugruph 17,
19. Sale ur Nole; Chanaeor 1.00n Servlcer. Th. NUle ur al,oll;.,1 illler." illlh. Nul< (Io~clh.r wilh Ihis SecurilY
Inslrulllcnl) lIIay he sold onc or mure times withoul prim notil,:e II,) Borrowrr, A suiI.' lIlu)' resull in It change in the entil)'
(knuwn Os Ihe "loan Ser\licer") Il1alc,)I1l'CI,'\ munlhly ptlymcnls due ulI\ll.'r Ihc Noll.' unu Ihis Sec;urilY ImlrUlI\clI1. 'Ihere
also may be une ur 11ImI.' c;hanges uf Ihe Luun Servic.:l.'r unrclntt'd 10 11 suiI.' of Ihc Noll.', If II1l.'re is a dlunge of Ihe I.oan
Scrvker. Burruwer will be given wriHen nOlke uf the dmngc in uC;CorUUIIC.:C wilh paraitraph 14 ubovc ~1IIt1 applil.'ahle IIlW.
The nulie. will SIIII. Ihe lI:o"e IIl1d IIJJr.ss ul Ihe 11.10 l.oll" S.,vi..r III1J Ihe aJJress Iu whkh PIlYIll.fll, ,huolJ b. "",,Ie,
The nUlk. will alsu .'''lIain IIf1Y olh.r illfo""aliulI r.qoircJ hy appli.llbl. law,
20. lIa:zardous Subslanu!IJ. 8orrower "hall nul cause or pcrmilthe presence, use. ul'ipn:\al, sloragc. or release
or any Hazordous Substanc;es on or in Ihe Property, Borrowcr shallnnl do, 11m allnw anyone else 10 do, an)'lhing alTccling
the Property IhuI is in violalion uf any Environmcruall.aw. The prel.'euillg Iwo sentences shallnol apply hi Ihl.~ presence,
use, or Moru8c on the Property of sm311 4uantilies 01' Utllilruous Sub!lotances Ih.1t are gc'"ncrally rC\:llgniled to he approl1riate
In normal residenlinl uses and tu rnainlenam:c of Ihe Property,
Borrower shall prmnplly gi\'c lcnucr wrilten notkc of any invcs.tigatiul1, claim. demand, lawsuit or olher action by
ony governlll.llIal or regullllory ag.n.y or prival. pany illvlllvillg the Pwpcrty allJ III1Y lIa,arJllu, SObSllll1.C or
Environmental Law or whkh Borrl,)wer has uc;tual knowledge, If norrnwer learns, or is nolilied hy allY gn\lcnullenlal or
re"ulatory authority, Ihat uny removal or \llhcr remediation of an)' tlal~m.Jous Suhstance affcctin~ the Properly is necessary,
Borrower shall promplly IlIke 011 necessary remcuial uctiuns in aL'cor<Jdnce wilh Environmenlul L.uw,
A!li used in this paragraph 20, "tllll.urdous SubsliIllL'CS" arc thusI.' suhsIUI1L'CS delined as to~ic or halardous sub,'\tanccs
by Envirunmcnlal Law and Ihc following sul:lslances: gasoline, kerosenc, olher nalllmable or h)xic pelrolcum pmducIs, loxi,,:
peslicides and herbicides, volalile solvents, malerials containing asbestos or formaldehyde, mal radiooclive IIIl1lcriuls, As
u!liC'd in Ihi!li paragruph 20, "Environmcntal Law" means federal laws ilud hIW,l. or Ihe jurisuiclion wh('rc the Proprrty i~ h)C,.'uled
Ihat relate 10 health. ~afely or envirullll1enlal proteclion,
NON,UNI/'ORM COVENANTS, Burruwer III1J L,,"d.r fOrlher .u"ellll,1I allJ agree liS fullllws:
21, Accelerallon; Remodles. Lender ~hall alve nolle" 10 1I0rru.."r prior 10 occeleraUon rollowlna 1I0rr..w.,',
breach or ony covenanl or aareemenllnlhl, Securlly Inslrumenl (bulnol prior 10 aceelerallon under p"oaraph 17
unle~~ applicable row provide. olher..I",). Lender sholl noltry 1I0rrow.r or. amona other Ihlna,s: (a) Ihe ddaull; (h)
Ihe .cllon required 10 cure Ihe ddoull; (c) when Ihe ddaull mU'1 he "ured; ond (d) Ih.1 rallure 10 cure Ihe ddoull
os .pednecJ m.y resull In .ecelerallon or Ihe sum, _ured hy Ihl,s Securlly Ill8lrumenl, rorcl...ure by Judldal pro"eedlna
.nd s.le or Ihe Property, londer ,holl rurther IlIrorm 1I0rro..er nr Ih. rlahl 10 relll,lale oner accelerallon and Ihe
ripllo .._rt In the roreclOllure proceedlna Ih. nUIl-o,I,slerlC. or a deraull or OilY olher deren.w ..r Borrowor 10 occel.rallon
.nd roreclo,un. Jr Ihe deraulll. nol curod as .peelned. Lender 01 Its opllonmay require Immedlale pOYlllenl III rull
or all sums ",cured hy Ihls Security IlIslrumenl wllhoul rurlhor demand alldllloy roreclo.o Ihl. Security Inslrumeul
by Judld.1 procoedlna. Lender sholl be elllllled 10 eOllecl oil expeu,e. IlIeurred In punullllC .he remedle, pl'ovlded III
Ihls plIraaraph 21, Indudlna, bul nOlllmited 10. ollorll.Y" roe, and eo,sls..r 1111. evld.nee 10 Ihe ..Ielll perlllllled hy
.ppllcable I.w,
FIrm 3031 .... (I"I~' J "I () I"-JNtI'
boud 1~3 rACE ?~1
\'
,.;)
....
~)
11, Rele..., Upon payment of all auma aecured by Ihla Security InSllument, Ihla Security Instrumenl and lhe ealale
conveyed ahalllerminale and become void, After such 'ICcurrence, L.ender shall discharge and .ali.fy Ihl. Seeurily In.trument
wllhool charle 10 Borrower, Borrower ahall pay any recordation COMs,
13, Wllven. Borrower,lo Ihe exlenl perminell by applicable law, waives and relea.e. any errOlor derecls in Pill'
ceedinaa 10 enrorce lhis Security Inatrument, and bereby waives t1,~ benenl or any pl'esenl or future laws plllvldlna for Slay
or execullon, ulension or time. exemption from anachment, levy and sale, anll bomesleall exemption,
24. Relmlllemenl Period. Bornlwer'a lime 10 reinstate plllvldell in paragraph 18 .hall ulenlllO one hoor prior
10 Ihe commencemenl or billlllnl at a aherirr. aale nr <lIher sale pUlSuanl In this SecurilY InSlrumenl
25. Purchue Money Mortllae. If any oflhe deblsecurell by Ihi. Securlly Inslrument is lenllo Rnrlllwer In acquire
Ihle In lhe Plllpeny, lhla Securily Inatrument sholl be a purcbase money mongage,
26. Inleresl R.le After Judamenl, Borrower agrees Iballhe imerc.t rale payable after a judarnenl i. enlerell on
Ihe Note or in an aCllon or monlage foreclosure shall be Ihc role payable rrom lime 10 lime under Ihe NOle,
27. Kid.... 10 Ihls Security Inslrumenl. II' one or more riders arc e",culell by Borrower anllrecordell h)lelher
wilh Ihl. Seeurily Inmumenl, lhe covenanls and aareemenls or eacb such rider sholl be Incorporalell inlo and shall amend
and .upplemenllbe cnVenllRI. anll agreemenls or Ihl. Securlly Inslrumenl as ir Ihe rlller(s) were a I,.n or lhls Securily Inslrument,
(Check applicable :-.ox(ea))
rID AdJuslable Rate Rider [] Cnnllominiull1 Rider 0 1-,4 Family Riller
o Gradualell Payment Rider D Plannell Unil Developmenl Rider 0 Biweekly Paymenl Riller
o Balloon Rider 0 R.te Implllvcll1enl Rider 0 Seconll Home Rider
~ Other(s) (specify} [UDEll '1'0 PJ\HJ\GHI\PII 18 I\ND EXl11 D1'!' 1\
(iSIONINCl BELOW Borrower accepls anll agrees 10 Ihe le"ll> anll covenanls comainell~']n Ih, Securily Insllumenl
and f' a y rider(.) execUI y li"ilOwer and recnrllell wllh II, ) ~
~ta, ~..~tlr1!!(.... .. ..,B,~k~~.., .., ..,. ~~,L" ...."....,..,(Sea1)
I RICIII\RD L PI BEL -Borlllwer
S'ICial Securily Number........,..,..,....,..."......,...."..,......
.,....."."............................ .............""........
""""""",..,.."",,(Seal)
-Borrower
Stl\:hll Security Numhcr
(Spm ,.Iow This Llns for A'knowlsdgmsnll
~.4t~NW~~L'!'1I OF' PCNNSYLVI\NII\, CUMDE[U,AND COUN'l'Y SS:
',~~,""':: i':Qf1.....f.his, the 22nd day of MardI, 1993, before me,
",,; ..'-:tlle - J)d,e\signed of f ieer, personally appeared Hiehard L, Fishel known to me
U;.,..,~,( or"l!!id'~r::.factori ly proven) to be the person whose name , ~ subscribed t
, : thllr\l1i thIn, instrument and aeknowledged that he executec;l the same for the
',.....')]l:ur ,s~),lerein eontained,
',. ~)~"~","~' \: .~..','
.'. "r~K;'W":l'N,~:~S \~[L!':
':",,,;,, ,.1,
'I hereunto set my hand and official seal,
I
,
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^~~^"
^SSOC [1\'1' ION
NOT ARIAL SIAL
\HPHANII E, WITMER, Notory Public
Hdrrl~l:,1/l9, DJuphln Counly, Pa,
r,'" Comm'~~li.1n hplros Jut.,. 5. 1993
;.-.. -....- ..---.----
N tary
,tHK FEDERAL., 1NGS
~'O I 50U'I'1I Gl::OHGL S'l' EE'I'
yI~)[(K, I'ENNSYINANI ~~
l'~e[lared by ~:' " ~
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tIIO (pols' 6 "16 pol''')
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...H:n JW<a",I...
TillS ADJUSTAIII.E I{ATE I{IIJEI{ i, 11I1111" II.., ~2!,,!!,____, JIIY III -.riL!IS!I__,__,__,___, __,1.~2J__ "111111,,
incOIIKIU.lcd Inlo umJ NimH he Ul'l'lIh.'U II) 1I1Hl.'IIlJ un\! NUPI'''.'lI1l'lIllhl' MUfll!:lI~l'. 1J1'I.'l.Inf TIU1\I, or 1>\'I,.'d Ii) S"'l'Ull' L>d,l (the "~Cl,.'U1tly
IllIdrulHl.'n'.) or lhc IUllUt tllltc WiVl'lI hy thl.! UIIUl'lsj~lh.'J (lhe "Bonowcr") hll'il'~Ur'" BOflllWl'r'N ^Jjuslllhl~ Rule Nnlc (the ..Nuh....)
I" YORK n:IlERAI. SAVINGS ANIlU)AN ASSOl'l'\TION (Ih" "'-"lid",') IIllh" """" Jllle 11.111 ""V"""~ II," 1""I'"'ly dl',",i1I1,.1
in the Security In!\lrumcnllullllo~uh.'d lit:
640-12 Geneva Drive Mechnnh:sburg, Pellnsylvaniil 17055
1\1),1 lISTAIIU: It,\'I'I-: IUDElt
""""""}'.4,f.fIO,'}
Th.... Nuh~ (1II1IUln" IlfU\'i,luns ullu\\'ln~ I'ur dllUlNl~ in till' intl'I'lost rule. II' lilt! Inllll'l'St I'nlt,'
IlIcn'u.~..., Ihe IIl1rro"'er's 1I11111lhly pllYlllelll.~ will he hiNher. II' Ihe illlen'SI.'lIle d,'uell"'S,
Ihe DllrrI",er's 1lllJIIlhly pUYlllelll~ will he I,,"er.
AuorrroNAl COVENAN'TS. In IlllJilinn to the \.'ovCIlUlIls lUlU uJ:n.'CIIIL'l1ls IIIlIlJ~ in thL' SCl.'urity 11I."itrul1lcnt, nuuO\wr IIIILI l.L'mlcr
further covenant Ind IKrce liS follnw~:
A. INTEREST RAn: ANI> MONTHI.Y I'AYMENT CHANGES
Th" Noh: provides for nn inilil&l inler!;!sl 1I,le of 7.000 _){. SCl..'liol1 4 of Ihe Noh! plOviues fur chun~cs in the inlert.'st mtc nflu
the munlhly payments, a. fulluw.:
4. INTEREST RATE ANI> MONTHLY I'A YMENT CHANGES
(A) ChunKe OUll'S
The anterest ratc I Will pay nmy dllm~l.' Oil the IIlsl L1ay 01 "oril , 19..2i.. 11m) nil thut 1I11Y of
the 1I101llh every 12 monlhs IhclCLlltcr. Endl Jnle un whkh my inlerest mle \.'oulLl dUUl,.:e is l..'ulk,J it "(,hlln~c
Dalc",
My m"nthly raym""1 I1\IIY change un Ih" 1'",1 dllY u,. May , 19 94 . and "" Ihlll Jay u,. Ih.
month evt:ry 2 months then'aftcr. Euch Jale on whil.'h my 1IU1lillll)' paymcnt \.'uuhJ chul1lll: is cltlll'c.I11 I'I'YIIII.'nt
Chlln~e Dille,
(D) The Index
DcwinninK with the fir!oot Chlll1l::C DUll.', lilY inkiest mil! will he huseJ un un "Indcx ", The Index is the "Nlllional Averll!!,e
Cuntract MortgaJ:e Rate for the Purdlllst: 01' I'rc\'iously n:l.'upicu lIo~ncs hy Comhincd Lenller:iM puhlished hy lhe r~denll
lIousing Finan\.'t: Bonrc.l. Th~ 1lI0!it r~c~nt Index lillur~ avuil;lhlc as of 45 Jays hefore euch ChuI18c Dale is called the MCurn:nl
Ind.:x",
If' lhe: index is no longer Ilvllilllhle, lhe NOIt: Ilol<.h.'r will d\Oose 111\l.:W indl..'~ whkh is hlls~d upon compurahle information.
The Note lIolder will give lI1e notice of its choke.
(C) Cukululioll of ChUIINl'S
Before euch Ch.n~o DII\e, Ih" Nolo lIold", will "aku1al" my n"w i,"",",\ rale hy IIJJin~ 2.000 _
percentage poinls (2.000 %) to Ihe Cuu~nt Index. The sum Will he my new interesl nate, My interest rule \\ill
nol he chunged hy more Ihan 1.750 pcrcentage Jloints 011 any Clmn.:t: Dille. My inl~rest rate will not he chlllllll..'c.I
hy more than _ 6.0 p~rccnlage points over the life uf my hum,
The Nole lIolller will then dc,hmninc the amount of Ihe monthly paymcnt Ihat would he !lultkhmllu repAY in full Ihe
principal lhat I 8111 e"rcl,,:tw to ow~ on the CIIt"'!:c Dllh: ill suhstlllltilllly el!uul ptlYl1lcnls hy thc IIll1turity 4Jat~ almy new inlcrest
rate, The result of this calculation will hc the ncw alllount llf my monlhly rUYI1l~nt.
(0) EI'rCl:Ii.e Oule of ChIlIlN'"
My new interest nile will h~come clfcl:livc on I.'IKh Chnng~ Datc. I will pay Iht: anlt'unl of my new monthly luaYlIIl.'nl
b.:ginning on tht: first monthly puymcnt \!lI(C aftl.'r Ihl.! Chilng~ Dall.! unlil the amounl of my l1\tlnthly puymcl\1 dUI!IAfl'S ai!lIin.
(E) Nolice ul' ChUIINL"I
The Noll.' Ilol,lcr willlllllll or ..Jdlvl'r 10 me allolh,'C hdorc clu.:h p,lYlIlI..'nl Chllngl: Dall'. Thl.' notice willlhJ'Vi"ic lIIe 01':
(i) Ih" now inl",o,I",I. un illY 10"""" ollh" (,h",,~" 1)"le;
(ii) Ihe IllUount of my monthly p"ynwnl folltlwinl! (hl~ ChllrlJ.:'L' Da(l'~
Any Ihftlitionallllalll'r>( \\hidl tl1l' NolL' IItllder 1'. r,'qlli"'lllll ,h"'llll"il'; 11l1tl
II I.clUh,'r iJctcflllineK Ihut .11 ur II ,11111 "" U".. 1)IIIl'clly aN. Nuhject In " lien wh. muy .1111111 . p.iUlily over IhiK Sl.'\.'IIfHy
11I~IIlIlUt,'nl, l.cml,'r ,dHill ..iv~ Burrower. lIulkc Hh.'nlifyinll "uch lil.'ll. Ullrruwt'I' ...hull NutiN")' I\Udl lil.'ll or luh! (IIII.' UI' more ullhl.'
lldlims Sl'l tOlth Ithu\l~ wHhin h:n llllYK uI' Ihl! Havilllt nl' the uoli,,'!!
C. NO'l'ICa,;
II nil ljl In CII\leruml H uf the SC":Ufily Il)sh\III1L'1I1 is ItIIll.'lllkll It) felhllu\ III!lnwN:
1,1. Nut""&:" t:Xl.'I'I'I'llr Imy nolil.'l' JI,'quul'llllnUCr ul'l'hl.'uhle luw hI hl.' l:1\ll'n in nnolher IIIUIIlIl'r, (II) Imy l1otil,'l'lu UIIIIIl\\t" f1lo\'hkll
Ill' "I Ihi~ Sl.'..:unlY 11l."IIlUUl'nl hhull h... lli\lCII hy ucli\lelill~ it ur Ilmilin~ il hy lir". du,,,,,, 11I1111 h. HtIlIUW,," 1111111..' Pllllll'lly Alltlh'''o.:
II' III toiudl olher lIuLlfl'~K ItS U'lIH1Wl'r limy tletoilMnllll' hy lIolke 10 l.l'lu,k'r II" I'IU\liuetl hl'rein, 11IIt.! (h) ItIlY IIlIth:c 10 b'IIII,,', shllll h,'
j.!1\'en hy fir"t \'IllS" mAil 10 Lcnder'K Ill.hlrCKK slull'd h,,',ein or lu tmch ulher lulureNK KS 1."'lIul'r mllY dCflli':lHlh: hy nolkc lu BOlluwl'r
II" I',o\'illt'd h",,,'in, AllY nlllice IlIlI\lHlcJ fur In Ihil' Sel.'ullly In!<ollulI1L'ull\lmll he dec.'fIIed It) IU&\lC hl'l!II11a\.'li!n It) BOlIll\\l'1 III Il'lltll.,t
\\IIl't1 .l!l\'l'n in Ihe 1I11l1111~r dc~iMlUlled hClelll,
Il. IINIH)I(M SEClIlUTV INSTRUMENT; GOVERNING lAW, SEVEIlAIIII.ln'
lJniliflIH C()\.l'IHUlI IS I)f Ihe SIi!l:urity InshuIIIl'lll i~ UIIICllul,,'d 10 rClul as fl..lllowK:
1~, lInil'unn Sf.'I.'III'Hy In!'\Irutlu.'Ulj (.uv"rnhIM I.law. Sl'uoruhilit)', This fill 11\ of Securily hlhlnllllclIl cnlllhilh'~ ullilulm ":'1\1\'1111111"
1m llillll 111111 \1'\1.: lItulnun-unifurm ,,:u\lcnants v':llh hmitl~d VllIlIltlllW; hy jurisdiction Iu constitute" unililun security ill,trullh'ntl'O\!~'1 inll
11.:111 plllpclt), ThiK Se-curity IlIshumcnt shull he gOlll'rIIed hy FedcllIl luw Knd Ihe hlw lIf the juri!oiuklHHI in whil,'h Ihe PIOPl'II)' II'
100'ah'lI. In Ihl.: l'\'l'1l1 Ihul Mny )lw\'isiun or dnusc of this Securily 11l....lIUIIll'lIlllr Ihe Nuh: cunl1i1:l~ wilh ul'plkllhle IlIw. ~ul.:h ".llullil,.t
"hlllllhltltlll'd olhcr provI~laonH ul" Ihis Sl.'I,'llllly In~lrull\l.'lIt or Ihl.' Noll' whkh "'IUl hl! .:ivcn dli..-l.'l withoullhe "'oullktlllllIHO\lI,,il'll,
IIf1J 10 Ihls l'lId Ihe I'lllvisions ut' this Sc.:urily In.,lnulll,'lIll1nd Ihl! Noll.' ur~ Jedllll.'U 10 he sevefllhl~~,
E, TIlANWI-:I{ OF TilE I'ROI'EIl'J'\' OI{ ^ IlENEFIClAI. INTEREST IN 1l0RROWER
lJlllrOl1ll l'1l\'ellllll: II ur .he Sc..:urity Instrument IS ulllcntled to reud I&S fnllows:
17. TrUII.,l'l'r ut' Ill" l'I'III)l'rly lIr 1l Ih.'u...ndllllnll'I'c.,t ill nnn!)wc.', If 1111 or IIny I'"rl of Ihe PJOpelly IIr 111I illk't'~1 thl,,'r~1II I." !,Il!11
01 hllllslt'lIl'd (01 i1lt henl.'lidlll intt.'rl.'sl in Borrowe, I~ snlll or Irnn~fcrrcd 11IUJ Ill.'rlowcr is not II nlltUlilll'l.'rSllll) wllhllllll,"'IHIl'I',
IHill' \\fltl\.'n l.'IlIlS\..'III, Lelld~r IIII1Y, u.1 l.cluJl.'r'!i oplion, JCdllll.' IIlllhc "UIIIS S"'l:IIICtl hy lhis SL'I.:U1ily Inl\lrufIlcllllu he illllll"llllltdy
dill.' lllld j1il),..hll.', I:owcvcr. IIlIs nption ~hall nol he cxc,d~ctl hy Lcmlcr if C)lCh:isc is nul uUlhoriwu hy Ft't.!l.,fltllaw,
If h'mlcr l':\t'rl.'isl'" \lIl.:h option 10 IKl'tdcralc, L,,'nJc, ~hllllll1l1i1 Bl)rro\V~~r noli..:l' of accl'lt:rillioll ill UI.'l.'lllllalh'C ',.,..illl plllllgllljlh I,t
h\."l'lll. Sill,.." notke sllllll pro\lide It period 01' 1101 less Ihllll .10 days hom Ihc l!;lle Ihe nolk.... is IIlllih.'d within \\'1110:11 Uonov.l,'r II111Y
PIIY Ihe sumN llcI.:liHeJ lIuc, If HllrlOwer l'all~ h) ['IllY Sill'll MJm~ prior It) IIII.' cxpimlilln oJ' s\h.:h pellllll, L~'nJer IIl:tY, \\ilhoHI hllllH'r
lIohl.'l' (11' ul,'tIlllnd 011 Burrower I lII\oke IIny rl'lIIcuics perlllillcd hy pallllflilph 18 hl'reof.
Nnlwllhslllm.lillJl u ~alc or II"n."It't~r, Borrower will ".olllinuc to h..: ohli.:alcLl undcr till' Nutc IUIIJ this Sl'l,'urily Iml'UIIIl.'nIUnll.'l'is 1.I"II11.'r
hll'\ 'I.'k:lsed BOrW\H'r in wrilin.:,
.-, I.Il.\N CIIAIWI,;S
IIlhe 10lln secured hy Ihe Security Inslrulllent is sUh.lccllO It luw whkh Sl'l:o( 111I&",irnumlolln chllrge!!, lUHJ Ihlll law is lillAlly illh.'tPIl'h'lI
HlIIIIII thl,' inlcrc~1 ur uther loan dlllr~t"s l:tJllcd~d or 10 he I,'olkdr:d in ..:onl1cl:lion wilh Ihe loan elll:ecd pt:rrnilled IiI1Ub, tlil,,'n: (I) "flY
"'IIo.'h 101m ,,'har.:c will he: reduc~c.I hy Ihe IImounl I\t.'Ct'SSI"Y 10 reuul,'c lhe duugc 10 Ihe petmitted limit: 8ml (2) uny ~\IIt1S 1I1f1'iuly
1,:1l1l1.'1,.ll'd hllln Borruwer which e.lll,.cctlctl pClllullclllil11il."I will be refundcu 10 lJllrrowl.'r. L.enuer may chon,lIe to Ilmkc Ihi~ H'fund h)
rl,'tlu,,'iny the princi(11\1 owed under Ihe Nule or hy lIIaking a direct r"'yment to the Borrower. ,If. refund rcducts IlIiHL.iprll, lhe
II'Judiou will he trelllcll a~ a purliill prepayment under Ihe Note, ..
" rJ.." """"", , ,~" · h, I"~'"'" ",' A.:;:; J:] kLu, \~
W;ln'" Il i-k:rd [, F i.shc 1
__ ,_, (Scul)
.nlllrllwer
(Selll)
-n\IIIIIWtlr
"_..'" (S,'ul)
-Borro.....er
(JI,fIIO,11f/1l,./ou/y)
^ I ~lo,.'" \ \
~
, ...
Cj'( I 'I !, ; ( , /, . , 7;..,. I
Proof of Pu.Ucatlon of Notlte In The Patriot and The EVlnlng News
and The Sunday Patriot-News
V.d.. .,.. No, U7, App...."" M., Ill, 1_,
('Ilmm""w,altlt a! P'''''./lI1Jnnia. }
('01'"'1/ o! nOl/plti,,":
...........................1!.1~.l).'.I"',,l,..,t:\0,r..\,\~,\r<,....,....................belnIt duly sworn according to law. deposes alld says:
AtlOlt. C"ntroll"l'
That he Is the .............,..............of THf; PATRIOT .l'iEWS CO,. a corporation orl!'unized and existing
under the lawa of the Commonwealth of Penllsl'lvunhl, with its principal office and plRce of business at
812 to 818 Market Street. in the City of Harri<blJrl(, Coullty of Dauphin. iState of Pennsylvania, owner
and publiaher of THE PATRIOT and THE EVENING NEWS and the SUNDAY PATRIOT. NEWS
newapapera of reneral circulation. printed ane! published at H12 to 818 Market Street, in the City.
County and State aforesaid; that Tllf; PATHWT and TilE EVf;NING NEWS and the SUNDAY
PATRIOT. NEWS were established March 4th. 1854. and February 15th, 1917 and September 18th,
1049, reape<:tlvely. and all have been continuously published ever since;
That the printed notice or publication wbich is securely atlached hereto Is exactly as printed and
published In their rell'\llar editions and Issues which appeared on the ..,..!..~.~.~..,~.<;,y.....~:,~....~P..~,~..l........,
1996 ,
.....................................................................................................................................................................................,..
That neither he nor said Company is Intere~ted In the subject matter of said printed notice or adver-
tiling. and that all of the alleratlons of this statement as to the time, place and character of publication
.re true; and
That he has personal knowledge of the facts aforesaid and Is dul)' authorized and empowered to
verify thil atatement on behalf of The Patriot-News Co, aforesaid by virtue and pursuant to a resolu.
tlon unanlmoully pasaed and adopted severally by the Sll olders and board of directors of the said
Company and aubaequently duly re.:orded in the of!\ce for e lordi~i of Deeds in and for Baid Count)'
of Dauphin In Mi"',.II....oll. Hook "M", Vnllllll" II.I'.~., :117, I tIlt";l '\
Cop)' 01 Notlee or Publication ..'..........,........,......,.. '.., L:: "::..,......~~,..:..,......,......,,,..,......,..,..,..
MOTIC. __ -.,
...:Z~b~~h:i~:t:.::=~':~.i~'~i Sworn to and ,ubmi\>ed)before me thl~ ....J..~~,h.....day of
fir,.,.; ...: YOf" '..rolIo\/IItR anell Loon... A p r i 1 c.' I
~-~~.kMrdL...I....I.I.l/a..lc..L. .................., = ' (/ t'. .
<<. Nor.hll - It, ' ( I i..
~r.~=~'~,":=~ '~:',= Torr!'l"Ru.l..,; It'...'..'..'.... ';,.,~'t.....,...P....'b..I..:..'..
........._00_....'_.. H"rrl.burg,Ol\llll1in,~ "Q ary U Ie
OIl1..'_.."...."J".....,.... aJ_e 1998
.,..,.~l~..'.......Cturtofc.omm.n".... . ....................
YIaI.....-ntY...,......anOrdtrDttml"''I...... f1
"_...,'~=I."'...."'Ic_... A rtl I C ts
.IA'O ~.,., ,_.to..., ... c.... of ve 5 ng OS
-..-.."*""'......"".....
I".... emw . ,..,..",.", In favor 0' 1M
.. ~.,~:~=.~,t:i~ ~~ y o.,r;.~. ..r~~~g.r. fJ..lt. .~. ~.YJn.CJ.9. ...~...hJ.0.!:I,D...f.\~.~g.~J.~ ti 0 n
........... 1nfIr.....,.. """'",,,
:rt...'$C~=.r,:,t:;,=::~ Y () r ~ L.." r:. !'...",.. ,.17. ~,r~,5,..... ...."" ..,..'.. .,........' ............
Wl;:"=-':-""=~"'~::::'::",~ To TilE PATRIOT-NEWS CO" Dr.
_....~... otIw"',,'....,."'"
:;....;;;..I......:=r:':.~'"':".i:::: F'or publishing the notice or publication attached hereto 011 the
-- , 166.42
"..._....~l~_......,.,_ above .tated dates - .....,....,....,....,........
.fI~"'....IY or i" ottOtn,., ond file P b tl . 1 .. () 0
-, ... ...- ,. "'''!no wi..... ro a nil' same ...,......'l..""..,.."~2...
CMt. .,............flhoufollfroct..o..... 0 I 't
-..., ...... wi..... YIU oM 0 IVfImItlt Total .
-"-"'_."'OUwl_",__ .'".."",.."",."""""
~,~r.~...'"""~..,~"~I":II". You"..,
Puhlisher's Receipt for Advertising Costs
THE PATRIOT.NEWR CO" publisher of TIlF. PATH lOT anrl TilE EVENING NEWS and the
SUNDA Y P ATRJOT.NEWS. neW"pllperS of Keneral circulation, hereby acknowlcrlKe receipt of the
aforesaid notice and publicution co,ts and certifies thut the 'Snle have been duly paid,
TilE PATRJOT.Nf:WS CO,
Ry
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION.. MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
vs.
No.
RICHARD L. FISHEL a/kla
RICHARD L, FISHEL, JR.
Defendant
COMPLAIN!
AND NOW, comes Plaintiff York Federal Savings and Loan Association, by and through its
attorney, Benjamin F, Riggs, Jr" and complains of Defendant, Richard L Fishel, as follows:
Parties
1. The Plaintiff is the YORK FEDERAL SAVINGS AND LOAN ASSOCIATION, a
corporation organized and existing under the laws of the United States of America, and it is
registered to do business in Pennsylvania, with offices for the purpose of doing business at 101
South George Street, York, Pennsylvania
2, The Defendant is Richard L Fishel, who IS an adult individual whose last known
address is the Mortgaged Premises at 640-12 Geneva Dl'ive, Mechanicsburg, Cumberland County,
Pennsylvania 17055, and he is the mortgagor and real owner of said Mortgaged Premises herein
described, having acquired tille by Deed dated March 22, 1993, and re,:orded on March 26, 1993, in
the Cumberland County, Pennsylvania, Recorder's Office in Record Book E36, Page 704.
Mortaaae
3. On or about March 22, 1993. Defendant made. executed, and delivered to Plaintiff a
mortgage upon premises therein described, whictl Mortgage contains a descnption of the premises
subject to said Mortgage and was recorded on March 26, 1993 in the Cumberland County
Pennsylvania, Recorder's Office In Mortgage Book 1123, Page 28i A true and correct copy of said
Mortgage is attached hereto made a part hereof incorporated herein by reference and marked
"EXHIBIT B".
Assianmenls
4 There have been no assignments of said Mortgage
Default
5, Said Mortgage is in default because Defendant has failed to make the monthly
payments of principal and interest due and owing on the loan from July 1, 1995 through the date of
filing this Complaint as required by the terms of the Mortgage, Any payments that may have been
made during this period wero applied to the delinquency balance due and owing prior to July 1, 1995,
6, Plaintiff hereby exercises its option to declare the entire amount owing upon said
Mortgage immediately due and payable in accordance with its terms and provisions,
7, By reason of I.he default, the following amounts are due in accordance with the terms of
said Mortgage:
Unpaid Principal Balance,
$
62,767,15
Interest from 7/1/95 through 3/28/96 (inclusive)"
5,042,52
245,97,
Late Charges 7/1/95 through 3/28/96 (inclusive), , , ,
Attorney's Commission 5% '
3,138.36
TOTAL AMOUNT DUE
$
71 194,00
InaDDllcabllltv of Homeowners' Emeraencv Assistance Act
8, This Action is not subject to the provisions of Pennsylvania's Homeowners' Emergency
Assistance Act, Act of December 23, 1983, PL 385, No, 91 (35 PS, ~ 1680401c et sea,), as
amended, nor are notices required to be sent to Defendant pursuant to said Act, because, said
Mortgaged Premises IS not the principal residence of Defendant
InaDDllcabllltv of Loan Interest and Protection Law
9 This Action is not subject to the prOVIsions of Pennsylvania's Loan Interest and
Protection Law, Act of January 30, 1974, PL 13, No 6 (41 P,S, ~ 101 et seq,), as amended, nor are
notices required to be sent to Defendant pursuant to said Act, because said Mortgage is not a
"residential mortgage" Within the meaning of said Act
CONDOMINIUM (UDEI
TllISCONIXlMINIUM RIVERI.II111de this ..,....~2,n,d.............. duy 01' ......~i,),t:(;tl...."..,.., 1'I,:n, "
ond i. inc"'po'.led inlll ond .hnll be deellled hl ulllend and supplclllellllhe Mllrl~a~e, need Ill' nusl or Sceurily Ueed IIhe
"Sccurily In~lru~lI:~Q or.he: IIqme ~alcJi"cn hy rhe uflJ..:r.,i@nC'\lllh~ "nmruwcr") 10 ~c,,'urc lJmmwe,'!S NUlc h) ". "'"''''''
........".. ",Y~~.., ,....,~~,~,~, ,s.~:", ~~" ,,!I)<J..r',?~CJ~I, ,^,,!,~~~: ,L,,?,~,l'~l,),, '" ,.."" "'" '"'''''' .."..,,,,,,,, '" IIhe ""ende.")
or the 5umc dOle and cuvering the Prop~r1y dr~cribcd in 1111: Security InMullllclU DIUI Inented ;It:
"..:""", ,~,4q~P, ,~n~,Y~"P.r~,\:~", !:1~~tl~,I,l,t~!'1\)\Jr9., ,Y'mmW~,Ym! f,~I"" ,l.7.l),~~", ",',' """'" """ ",' """""",
(PrOP,fly Add""1
The Pruperty Indul.tc:\ 11 Ullil ill. together ~I,h 1111 Illh..hvidcd inlClest 111 the l.;UIIIIIUl!l clements ilL a CUIll.Jullllniul11 PhlJCd
know n n"
"""""", "",""" ,,', """"', ",S,l,ll!U';li,l<J, ,c:'?n~j~t."i!ll~u.'!"""", "'"
(Nome 0' CUIHlonlllllllm PllljlClI
(the "Condominium Project"), Ir the uWncr~ aS~lH:iulilln ur lllller entity whkh 0..:1.'\ fur the CunuuminiulII Project (the
"Owners Associolion") hold. lille 10 p.uperty 1'", Ihe benefil,," use of ilS lIIelllhers u. shn.eholders, the PruperlY ills" indudes
Burrower's iOlerest in the Owners A!tsodutiun and the uses, proceeds und benefits of Borrower's inlcre~1.
CONDOMINIUM CUVf;N^NTS, In addition to the l:OVCllunts and agrccmcnts made in the Sel,'urity Jnstrument, Borrower
and Lender fUrlher COVenanl and ug.ee as (ollows:
A. Condollllnlum ObllgaUum. Borrowe. shall pe.rorlll all ul' !lorruwers obligalions under Ihe CundolllilllulII
ProJeel" Constiluent UocumenlS, The "Consliluent DucomelllS" u.e Ihe: (i) Dedaratiun Ur any othe. document which
e.eales the Conduminium Project; (ii) by.lows; (iii) code ur .egulaliuns; amI (iv) ulhe. eyuivale", documents, Burruwer ,hull
plUmplly pny, when due, nil dues nnd nssessmenlS impu.ed pursunnl lu Ihe Constiluelll Uuculllelll.,
II, lIazard In.urnnee. So long a. Ihe Owners Associaliun lIIoinlains, wilh a gene.nlly IIccepled insurunce carrier, a
"masler" or "blankct" pulicy un the CUIUJulIlinium Project which i~ !i.Jtisfactory to Lender Jnd which provides il15Uranl.'e
coveruge in Ihe olllounls, ror Ihe peri<Kls, and IIgainsllhe halllrds Lender re4uires, illduding Hre alld hazard. included wilhin
Ihe lerm "e"ended coverage," Ihen:
(i) Lender wnivcs Ihe provision in Unifo'lII Covenunl 2 rur the lIIunthly paYlllellllo l.ender 01' olle.lwelfth uf
the yearly premium in5tallll1cl1l~ for hUlarll in.\urance on the Property; and
Oi) Borrower's obli~llti()n under Uniforlll Coven.ult 5 to lIIuillt<lin hazard insurillu.:e coverage IlII the Property
is deemed salisHed lu Ihe extent thai Ihe reyu,"ed enve.age is provided hy Ihe Owners Assucinllon pulicy,
Burruwe. shall give Lender prolllpl nOlice uf i1ny lapse in reyuired haza.d ,"su.ance coverage,
In the event of a dislribUlinn of hUl.ard insuralKe proceeds in lieu Ilf restoration or repair following 11 loss to the
Prnperty, whelher III Ihe onil u. In conun"n elelllenls, any p",ceeds payahle In [lurruwer arc herehy a..igned nnd shall he
paid to Lender ror npplicalion 10 Ihe ~UlllS ,ecured by the Secu.ity InstrulIIent, with any exces" paid lU Borrower,
C. l'ublie Liability In..urant.. Borrower shall lake such aCIIOl" as lIlay be .eason.ble 10 insu.e Ihallhe O"ner"
^s~ltlciaHon maintains a puhlic liability insurance polky accepfable in form, umount, Jnd e~tent uf coverage to Lcnder,
1>. Condemnotion. The proceeds of any award or claim for darnatlc~, direct or consc4ucnlial. payable to Borrower
in connection with any ('onJemnation or othtr laking of all ur any part of the Property, whether ~If the unit or of the ('OlllltUHl
clements. or fur any conveyance in lieu of cllndcmn:ltlOn, are hereby a~.'ii~nl:lJ anu shall be paid In Lender. Such proceeds
shall be applied by Lcnder to the sums sccur~d by the Sccurity Instrument .IS provided in Uniform Cm.tmmt 10.
E. I..tndtr.~ Prior C()n~tnt, Borrower shall nut, e~cept after nolll:c It) Lender and with LcnJer's prior written
Clln:'lCnt, either partition or subdivide Ihe Property or \:ousent to:
0' the abandonment or termination of the CondominiulIl Project. e,c,:ept for ablllldonmenl or terminatiun
rC4uircu by law in the case n( sub~tuntial de~truction hy fire nr I)lher I.'usually or in the case of il taking by cUluJemnatltm
or eminent cJurnain;
(ii) any amendmcnt [Il .my pft)vlsitJn of the C,mstllucnl DOl:urncllts If the proViSUlll is for the c:\prcss henetit
of Lender;
(iii, termination of professional IIHUlagcl11CI1I ant.! as.'iUllIpl1oll of self-management of Ihe Owners A'i.'WClUtlOt1,
ur
liVI any ill,'tion wh1l.'h would have the dkl.'l of r~ndcrin~ the puhlic liability insural1~c coverage Ilmimallu:lI hy
the Owners AS!iocialllll1 unacceptable to L.ender.
..~. Rtmedie:'\, If Borrower docs nol pay l."llIIdtltllillllllll Lilies and assc.".'illlerHs when duc, then Lenu~r llIay pay thelll.
I\ny amuunts Ji~bursetl hy LClu.Jer under thiS parallraph F shall he~ornl.' adt.!illl)nall~eht 01' Ilorrowcr sel:urcu by the SC:CUrll~
(n.slrurnem. Unless Bnrrm..cr and l.ender ..1gree In lither IcrlllS ()f paYlllent. lhese amounts shall hear lnlcre~t from tho: datc
01 JlshursCI1ICIlI at the :"-ltlt~ rate and shall he pa~.lhh:, Yflth Inl~re"(, upon lltltlt.:e frolJ1 Lcndcr1h) BorrOr\r rct4U1:slIng payment
U) SI(j....lI~(j n!Jl~W, O:,rrll\\ocr .1~'r.:.l:p.1S alld .1~H~l:' In tl]l,: t\.'rllls '"h~~flJ)VIS1CHl'1 If,"I~ln'-':l tillS (:onlJIlIlllIllUII1 Rider
,I,"~ "Ii", II( .' I( 'I .t.,l"l'..fl,II'(.'L /1l.'.l (),I...,' '5,,)11
WITHISSIO IV, \ tt. \Jtlflu.. I (l) ct i ILL.'l ,1L '!J.Jr<l l. [, I oh, l ","',...
I . J 15,,>1 I
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MUlTl1UTI CUNDDMIHIUM nlDl"-SHHJln F,1rTllly-- 'annl. M31/'Uddle \4u UNt'OnM INsrnUMENf 3
' ' ' t t')
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l~' ,J
rorm 3140 g,IO
... .~h
TIllS SECU:UTY INSTRUMENT combines uniform covenonls for nalionul use and nnn,unlfmm covenanls wilh IImiled
variollnns by jurlsdlclion In conslitule 0 unirorm security inslrumenl covering real prnpeny,
UNIFORM COVENANTS, Borrower ond Lender covenont ond agree as follows:
I. Paym.nt or Principal and Inl.rest; Prepaym.nt and !.lIl. Charses. Borrower shall promplly pay when due
Ihe prlncipol of and inlere" on Ihe debl evidenced by Ihe NOle ond any prepoymenl and 10le charges due under Ihe NOle,
2. Funds for Taxes Ind Insurlnce, Subjecllo opplicable law or 10 a wrlllen waiver by Lender, Borrower sholl
poy 10 Lender on Ihe doy monlhly poyments ore due under the NOle, unllllhe NOle is paid In full, 0 sum ("Funds") for:
(I) yeorly lUes and IssessmenlS which moy allain priority over this SecurilY Instrument os 0 lien on Ihe Propeny; (b) yeorly
leosehold paymenlS or IIround renls on Ihe Propeny, If any; (c) yeorly hazard or propeny insurance premiums; (d) yearly
flood insuronce premiums, ir any; (e) yearly monlloge Insuronce premiums, If ony; and <0 any sums plyable by Borrower
10 Lender. in accordonce with Ihe provisions of paragraph 8, in lieu of the payment of mongage IIlsuronce premiums, These
Ilems ore coned "Escrow Ilems," Lender moy, alony lime, colleclond hold Funds in on Imounl nollo uceed Ihe maximum
amounl a lender for I federally relaled mongage loan may require for Borrower's escrow accounl under Ihe federal Real
Estale Selllemenl Procedures ACI of 1974 as amended from lime 10 lime, 12 U,S,C, f 2601 tI uq, ("RESPA"), unless
another law thai applies 10 the Funds sels a lesser amounl, If so, Lender may, at any lime, collecl and hold Funds In an
amounl nOllo exceed the lesser amount. Lender may estimate the amounl of Funds due on Ihe basis of currenl dala and
reasonable eSlimales of expenditures of fulure Escrow Items or olherwise In accordance with applicable law,
The Funds shall be held In an Instilullon whose deposits are Insured by a federal agency, Instrumenlalily, or entity
(Including Lender, ir Lender Is such an instilulion) or in any Federal Home Loan Bank, Lender shall apply Ihe Funds to
poy Ih. Escrow Ilems, Lender may nol charge Borrower for holding ond applying Ibe Funds, annually anolyzing Ihe escrow
account, or verlfyinllthe Escrow Items, unless Lender pays Borrower inleresl on Ihe Funds and oppllcable law permilS Lender
10 make such a charge, However, Lender may require Borrower 10 pay a one'llme charge for an Independenl real estale
tlIJl reponing service used by Lender in cOMeetlon with this loon, unless applicable law provides otherwise, Unless an agreemenl
is made or oppllcable law requires interest 10 be paid, Lender shall nol be required 10 pay Borrower any Inleresl or earnings
on the Funds, Borrower and Lender may agree In writing, however, Ihal inlerest shall be paid on Ihe Funds, Lender shall
give 10 Borrower, wilhoul charge, an annual accounling of Ihe Funds, showing credits and debilS to Ihe Funds and the purpose
for which each deblllo the Funds was made, The Funds are pledged as add II iona I securilY for all sums secured by this Security
Instrumenl,
If the Funds held by Lender exceed the amounts pennilled 10 be held by applicable law, Lender shall aCcounllo Borrower
for Ihe excess Funds In accordance with the requirements of applicable law, If Ihe amounl or Ihe Funds held by Lender al
any lime Is nOI sufOclenl to pay Ihe Escrow Items when due, Lender may '0 nOllfy Borrower in wriling, .nd, in ,uch case
Borrower shall poy to Lender Ihe amounl necessary to make up the deficiency, Borrower shall make up Ihe deficiency in
no more Ihan twelve monthly paymenlS, al Lender's ,ole discrelion,
Upon payment In full of all sums ,ecured by Ihi, Security Inslrumenl, Lender shall promplly refund 10 Borrower
any Funds held by Lender, If, under paragraph 21. Lender shall acquire or selllhe Propeny, Lender, prior 10 Ihe acquisilion
or sale of the Propeny, ,hall apply any Fund, held by Lender atlbe lime of acqulsllion or sale as a credil against Ihe ,ums
secured by Ihis Securily Instrumenl,
3. Appll<aUon of Payments. Unless applicable law provides olherwise, all payments received by Lender under
paragraphs I and 2 ,hall be applied: firsl, 10 any prepaymenl charges due under Ihe NOle; ,ccond, 10 amounts p.yable under
paragraph 2: third, 10 Inlerest due; fourth, 10 principal due; and last, 10 any late charges due under Ihe NOle,
... Charlles: U.ns. Borrower shall pay alll"es, a..essments, charges, lines and impo'ilions anrlbu,able 10 Ihe
Propeny which may allain priority over rhl, SecurilY Instrument, and lea,ehold payments or ground rents, if any, Borrower
shall pay Ihe,e obligations in the manner provided In paragraph 2, or if lI01 paid in that manner, Borrower ,hall pay Ihem
on time directly 10 the person owed paymenl, Borrower shall promplly furnish 10 !.ender all nOlices of arnounlS 10 he paid
under Ihis poragraph, If Borrower I11llkes the.. payments direelly, Borrower shall promplly rumish to Lender reeeiplS evidencing
Ihe payments,
Borrower ,hall promplly discharge any lien which has priorily over Ihis S<curilY InSlrument unlcss Borrower: 'al
agrees In wrillng 10 the paymenl of the obligalion secured by Ibe lien in a manner acccplable 10 Leuder; (b) cnnleSlS in grnJ<!
failh the lien by, or defends ag.inst enforcement of Ihe lien ill, Ieg.1 proceedillgs which in Ihe Lender', oplllion "p<rale 1<'
prevent the enforcement of the lien; or (e) secures from the holder tJt' the Ii~n an agreement satisfactory to Lender 3ubor.
dinaling tbe lien 10 Ihls Security Instrumenl, If Lender delerOlines Ihal any part "r Ihe Property is subjcct 1<> a lien which
may auain priority over lhi:! Security Inslrumcm. lender may give norrowl~r II nocice idcnlifying lh~ liell. Borrower ~holl
5Dlidy the lien or take one or more of the aClions '!iet fOr1h ahnve wilhin 10 days of the giving o( 1I00ice.
S. lIazard or Proper1y In5urollce. Borrower sl1all keep Ihe illlproveluenl~ now e:tisling or hcrcalter crcl,:lcJ 1m
the l'rnpeny inliured against hlSS by lire"ha13rds included within the fCUIl "cxtcndCllcoverage" Jlld Jny OIlier ha7ards.
inc:luding rlood~ or flooding, for which lcntJer requires insurance. llll:-i lI1:-illrancc shall he mailllJincd in Ihe arnounl~ Jnd
i.JU~ t 123 f~l:E :~bb
Form 3039 9/90 IJ'lI~': "I ~ rIJ~tl'
for the ~ril)ds thul L.enuer rcquire~, The ir\."urall\:e I.'tlHlCr I'roviulIIg the imunllh:c ~hllll he 1.:1l0.'iclI hy BnrruVocr .'iuhlcct hI
Lender's approval which shall nul be ullrcasul1uhl) wilhhellJ, If IlllrUJWCr luil,'! to IIIUilllailll'llvl.:rage ucscrihl'd i\hllve, Lcnlltr:r
may. at Lender's option. ubtain coverage to prolccl Lemler's rights il1lhc ProperlY ill ih,:cmduIII.'C wilh pllm~raph 7,
All insurance (Xllicics and renewals shull be .I\,'ccpluble h) Lender and \hull indutlc a 'illlmlauJ nU>rl1/.u~l'dau~c, 1.1o.'Iluer
shall have Ihe right to hold the polil:ies and renewuls, If Lcnuer rl'ljtlirc~, nlJrfllwer .,hall praJlllll1ly ttivc h, l.l'mler all recclpl~
t!f paid prc:miul1l:S and re'newal nlllices, In the cvcnt nf loss, Borrowcr shalllllvc prOlllpt 1I11111.:e ttllhe in.'uJnUlt,'l,' l,'anll,'r ami
Lender, lender may make proof uf loss if not mude promplly by BmrO\\'er.
Unless Lendtr ond Borrower olherwise agn:c in writing, insurancc (HllI.'CCUS shall he applil'I.J tt) fe~ltlrlltillll or r~puir
llf the Property dumagto. if the rtstoratioo or repair i~ ~,,,:l)nllmif..'.llly fel.lsihle [HId LClld&:r's .\ccurity il'i lluIIl:sSCIICd, If the
restoratiun or repllir is nut cl,'unornil,'ully ti.:uliiblc ur l.cnder's security WllUld he ICl'iscncd, the in.surancc IlrIlcecds shull be
applied to the sums sc:cured by this Security Instrumcm, whcthcr lIt I1tll then duc, with ullY ex\"css puid h) Uornmw, If lJllrro\.\il.'r
ubundQn5 the Proptrty, or duts not answer 1,\ Ilillll JI) llays a noticc frulll Lendcr thut the insumncc currkr hus llllcr...'" tl)
sCllle a claim, then Lender may collect the: insurance procceds, Lcnder llIay us... the proceeds tu rl'puir or rc~lmc thc Property
tlr It) pay sums secured by this Sccurily InslrulJu:nt, whether IIr not IhclI due, The JO-uay period will bc~it1 wh...n Ihl" Ilotin:
is given,
Unless Lender and Burrower uthtrwise agree in wrillng, any application ()f Ilrtl\"ceds to principul shall 1I0t C,'IClld
or po.ilpOne Ihe due Jute of the monthly payments referred to in paragraphs I anu 2 or change the IIl110ulltllflhe payments,
If under paragraph 21 the Property is acquired by Lender, Bnrrowcr's right to any insufal1\.'c polides and pnlt.'l'cds resllltill~
from damage to the Property prior to Ihe aC4ul~itinn shall pu.\S 10 Lender !tllhe e:\ICIU "If the sums secur...d hy Ihis Security
Inslrumenl Inlllledialely prior 10 Ihe a~4uisilion,
6. Occupancy, I'r.sen-allon. !\Iaintenance and Prolection III Ih. Prllpel'ly; IIlIrrll"..', I.llan Apllllcalllln;
Len..'hIlJds. BO"lIwcr shall occupy, eSlablish, and use the Properly as n",,"wer's prindpal reSld.".e wilhi" "j,'IY daY'
after the execution of Ihis Security Inslrulllent and ~hullcontinue to occupy Ihe Prupcr1y as nmrnwer's principii I rl'l'IidcfI\"l'
for at Icast one year after the Jatc of occupancy, unless Lender othcrwise agn~es in writing, whkh (tlll~Cllt shall Illlt he
unreasonably withheld, or unless extenuating circurmfulH,'cs c:~ist which arc beyond Umrtlwcr's l,'tllllrnl. Bllrro\\cr shall Illlt
destroy, damage or impair the Property, allow Ihe Property to uClcriorate, ~}r Cllllllllit waste 11IIthe Propeny, ntH I tl\\'cr ~hilll
be in default if any furfeilur..: action or procceding, whelher l.:ivilllr crllninul. is begullthal III Lender'~ glulI.l I'ailh jutl~1II1.:1I1
could result in forfeiture of the Property 01' otherwise muteri:'llIy il11pair the Iielll.'reutcu by this S~l.'urily IIISlnlll1l'1lI \lr l.lo.'lIder's
security interest. Borrower may cure such a default and reinstall,', as pruvit.led ill paragraph IX, by \"ausil1~ the aclll.)f1 or
proceeding to be Jismi~scd with a ruling lhat, ill Lent.ler's good faith dctcrminatiun, preduJes flJrfeitur~ of the BonDwcr',
illleresl in the Property or other material impairmcnt of the lien crealed by this Se.;urilY Imtrumcnl lJr l.cllLk'r','i Sel.'lIrllY
interest. Borrower shall also be in default if Borrower, during the luan appliCi.llion prnl.'e~s, gave materiully fulsl' Dr ini.lccurate
information or stafCmel1ls to LcnJer lor failed tn provide L.cnJer with ony malenal inform.lCionl in l'tHtllcl,'tillll with tile 101111
evidenced by the Nutc, inclmling, but nol Iimiteu to, reprcsemalilln'i concerning Borrower'.' tll..'I.'UPlUll'y Ilflhe Prl/perty il.'
a principal residence, If Ihis Security Instrument is on i1lca~cholt.l, Borfllwcr .\hall comply with all the pn)\'isilllls of Ihe tca".:.
If Borrower aCl.{uires fee title 10 the Propcrty, [he leasehold anJ the fce lit Ie shull !lilt lI1er~e unless l.enul'r ilgrL:CS hI till.'
mcrger in writing,
7, Protection or LentJe~'s Rights In the Property. If Unrrower falls to perform Ihe covcnunls and a~rcclllents
cOl1lained in this Sccurity Inslrument, or ttlcrc is a Icgal pro..:eeding Ihat limy slgl1llkanily affect Ll!I1i.Jl'r's ri~hls in the ProperlY
(such 3:'J a proceeding in bankruptcy, probate, for condcmnalion or ftlrfeiture IIr to enlon.:,: law'\ m regullltiolls),t!Jl,'n Lender
may do and pay fllr whillever is nccessary It) pnHCl:llhc value of the Property and LemJcr''i fill/US ill the Properly. Ll'ndcr's
aCliun:-l may include p:.Iying any sums secured by a lien which has prrori"y t)"er thi,'\ Sl"curity Instnlllll'lIl. appl'arill!;l inl.'Clurt.
paying reasonable attorneys' fees and entering 1)11 lile Property tll 1I1ake rcptHrs. Although Ll.'lltler lIIay lakl' al,'flOII unda
this puragraph 7, Lemler does nut have to tIt) so,
Any anltlunts Ji.'ibur~eu by LentJcr under this para~rarh 7 shall hecoll1e auditional dd}[ of Uono\\'l'r ~ccurl,'d hy thi'\
Security (nstrument. Unless Borrower and L.ender agrce to Illh.:r terms llf pa~lIIelll. Ih!"',,e ;111111111I1'\ shall Ol':U 10Ier...,,( I'rolll
the date of disbur~emt:1lI at the Nutc rate and ~hall be payahle, wltll interr.~st. IIplln llolil..'l.: frolll Lemler In Bllrfll\\L'r rcqul,'stlllll
paymenl.
8, :\lortRnM~ In~urallcf. If Lender requirl.'d II1llrtgagl~ Illsuran\,'1.' i1~ a l,'fJlHlltlon "t' lIIaj.,llI~ Ihe loan ~L'l'url.'L! hy Ihis
Sccurily Instrument, Borro.....er .~hilll pay Ihe prclIllurm reqUired III IIIllilllain the IlIl)rlga~e lI1sur:U1l.'e III L'lkl't. If, for allY
reason, the mortgage insurance coveruge re4lllrcd hy Ll,'ndcr lapsl.:." or ....eases tt) he in dfl"t.:t. IJnrro\\'er 'ihall pay thl.: prclllilllll.,\
rC4uired to ohrain Cll\'cragc 'iuhstantiaJly equlvalcrH 10 Ihe IIltlrt~aJ.:Ze ImUrill1l.'1.' prcviously 111 l.'Ifct:t, at a (mt ,uhslillltiillly
1.'4uivaJentlo Ihe \"ostln Dorrlmer of the Il1llrtgilllc inSUralll.:l: pfl,~viously ill dkl.'t. Irolll an alternilte l1Iorlg.I~l: III'Url,"r approvl.'d
hy Lender. If ~uh~lanll,IJly eq~m:alenll1lortgil~e ill'iuri.lI1l.:e \,'l)\'era~l.' l~ flot avallilhle, BoIrro\\er shall PilY 10 Ll'lhll'r l,'lIl.'h 1IIIllllh
iI :'lum eljUallo lJIlc-I\\ol.'ll'lh of IIH: yearly lllorl~a!lC IIlSUranl..'l.: fHClllIlllII hCIII)! po lid hy Bilrrll\\l..'r \\0111.'11 rhl.: II\,Uranl'L' 1.'tl\l.'ragc
lapsed 111 (e.lscd Itl hl' III effa:cl, l.ender Will i1l'l'cpt, USl' lIlIll rClain IlIc,t.' pll~1l1l'llI'i ,IS ;1 I."" 'l"~crvl.' 111111..'11 II' Illlnt~a)lC
11l~ur:1I11,:a:, LII"'i ra:,\l'r\c paYl11erH~ rlHlY IIIl 11ll1/oter hI.: rC\I"lrl"d, at tl1l.: nplllJIl 1)1 l.l!Udl,'r, If 1I1ntllZilgl' lfl~lH;U1(l: (ll\leril~1o.' I ill
lh~ amount and for lhe pefllld Ihat Lcnder requires I pro\lhkd hy 1111 lIhUrCr ,Ipprov,:d h! Ll'lHlcr again h'(nl1lc~ il\ aililhlt!
Form 3039 9190 Jf"'~I' J ", I') f"'~I'\1
bi~Ji 1 L:!3 ilCt :~ 8:)
and is ~Ihtaillcd, Burrllwer shull (lay thc prcllllullls required It) lIlallllillll lIHlrlI:HIMC' III"Ural1l,:c III dr....I,,:r. or tl) rro\o'l~h: a h)s\
reserve, unlil the n:qUlrJ.:l1u:nl fur 111Ortgagi.' InMlralh,:e I,.'lhh ill al'i..'Ilhlulll,,'L' wllh uny "'-'rlllen .1I:lreCIJ1~nl hetwcen Bnuuwcr
ulld l.emll.'r or upplkuhlc li.tw.
9. 11l~1)"'lo:liulI. L.crHJcr IIr lis agellt IlHJ.Y lIla~c rcusllnahh.. Cl1lnl,,"'. IIpllll iIlUllllsp\.'t:lltlns 1)1' Ihe Prn(lerty l.cfHIl..r shall
give Ul)rruy,.cr not!t:e al Ihe lime l)f IIr pnllr 10 IIn ImpCl..'Il111l "pcl'llYllIg rCllsllllahlt: l..'allSC r'~)r thc IIlSpCl'tlllO
10. l'undt:lUnpliun. Thl;: prn....ccd" III allY aw,lrl,! m dilllll I'm dillllilg'\,'S, dircl't IIr \,'IIl1''iltllll~ntlul. in ....nnru:ctilln Wilh
an~' l'olHlcmni.Jtion or I)thc:r IJ~illg nr an)' purl of thc f'rilf1l'r1y, llr tnr I..'I)II\'l')'III\I,,'C In IIclIof l'III1I1c1II11011lm. arc: herl'hy al'lsi~lu..d
on.! ,holl he poid '" I.onde"
IlIlhe evenl t)f a hllal fakllll! I)flhe PrllpcrlY. till.' fl(t)l"'l'l'd,,, sh,ll1lll: applll..d h) Ih..: sums Sl'l..'Ufl:11 hy Ihis Secllrlty Imilrumenl.
whether or nul then I11Ie, wllh any eM:e~s pJIJ h) norfl)Wer. In Ihc ,,:vl..'nlllf a partial taldng III' Ih~ Propl.'rty in which the
fiJir market vahle or' Ihe: Property Iml1lcdialely Ilet'tlrl,,' Ihl! IlIking is l..'qulIl hlllr I:Hl'atl'r than the amOunt of Ih&: sum~ secured
hy tillS Slo!ClJrlty Instrullll'nl IIHIIIl..'diillely hdllrc- th..: 1,lklllg. unl..:~s Btlrrllwc-r and Ll,,'rIlJ&:r olh&:rwIsc agl'e~ in writmg. the sums
~el..'url'd hy thi$ S.:curilY Inslrufllent shall he: rcducel! by Ihe ,trllllUnl tIf thl' prol..'ccJs rnulripli..:d by the fnllowing fractilln~
ta) th~ tolul amount nfthe sums ~Cl..'urcd IIllI1lL.'diately hcf~If": Ihe IUhII1H, divided hy (b) the fiJir market value of the: Propcny
IJIlfIl<dIJlcJy hd",. Ihe 'okin~, Any halo, ,0 ,holl ho poid ,,, H",,,,w.,, III ,he even' of 0 pOrlIJlloking Ill' the P"'peny in
which the fair market value ill' the Prnpell)' lI11l1ledlately he:forc- fhe.! IlIhillg i.'\ iL.'Sl'l Ihan the amount of the ~lIms secure~! im-
Illl'dialdy beflln.! Ihe tuking. unless lltlfrnwl'r and l.l..'ndl..'r olherwIse agrel,,' in wflling m unll"ss applicahle: law othl.'rwi~t! pro-
Vides, th.: pn.k:ce:ds ~hall be ;J,pplied tllthe ~UI11.'\ l'Ic....ured hy this Security Instruml.'11f whether or nllt Ihe sums arc then due,
Iflhe Property is ahamlun&:d hy Borrower. or if, after Iltllke by Lendcr 10 Borrower Ihat the t:nndemnur offers to
Illake: an awaru or settle a dJ111l for di..IIna~es. Borrower fails to respnnd 10 Lcnder within 30 days after the dat~ Ihe nOlice:
is ~iven. I.ender is authorized tn collect and :J.pply the pml..'c~ds. at its I)plion, either In r~sl~llatiun llr repair of Ihe Prop~rty
III 10 th~ sUm~ secured by this SC:l'urity fnslr1Il1Ie:nt. whl.'ther ~)r IhH then ~JUI:,
LJnl~ss Lender and Borrower otherwi:'le a~rec ill writing. uny application of prnl'..:eds III prln~lpt.ll shall not ex lend
III po~tpllne Ihe duc dale of the monthly payments referrcd 10 in paragraphs I and 1 or change [he ~lInount llf MJch payments.
II. \lIlrrower No. ReI.used; ~'''rheuron<. By I.."d.r ~Ol u Wulver, Exren,ion III rhe Ifme 1'0' poym<n1 0'
1'1ndit;I'i.lllon or' i.lmOnilalinn of rh&: SUI1l~ ~~l.'un:d by Ihis Sel.'UrllY In:'ltrul11ent granted hy Lt,;'nd..:r 10 any SUl..'l'essor in inrerl'sl
of Borrower shall nllt operate to rell.!'ase the liahility of fhe origInal BllrrllWl.'r I)r Bllrrnwer's SUCl..'l'ssors in inrcrl'st. Lender
shall not he re1luired Il) cOl11mence proceedings against any SUI.:l'l.'SS!H Ul inten~st Ilr rcfuse In l.'xlend lill1~ for payment or
lllhcrwi.\e modify alllnrtilacion of the sums ~et..'ured hy Ihis S..:t..'urity Instrument hy reas~lI1 of any tl":l1Iand made by the original
lJorrowcr Ilr Borrower's successors in inleresl. Any fmhearanl'c hy I.ender in exercIl'ling any rig,hl or r~medy shall not he
a waiver of or preclude Ihl.' exercise of any nght or rel1ll'dy,
12, Su<<.ssors und A"IKns Bound: ,101111 und Severull.lahlllly; C".,Igncrs, Th< .;"vonanIS ond o~'..fl1enIS of
this SL.'curilY IO.'itrument shall hind and hc:ncfit Ihe: SUl'ccssnrs and assigns Ill' Lender and Borrower. suhjeCl to Ihe provisions
of paragraph 17. DlIffllwer's l:Ownants and Jgrcements shall he ItHnt :Ind sevcral. Any Borrowcr who cn-signs this SccurilY
In~crult\l:nt bur dllcs nllt C.'tCl.'lIfe fhe: NOle: (1.11 is ~1l.sigJling this SecurilY In\lrUOll'nt only (II mortgagc. gralll and cnnvey that
Borrower's intert~~t ill Ihe Propeny under lhc terllls nf Ihis SCl..'urity Instrument; (hi is /lilt personally l)hliga(ed tn pay the
SIIfI\S secun'd by this SCl..'urity Instntmcnt: and IC) agn:es Ihat l.l'lIdl'r and ;II1Y other Bnrrnwer may ;Igree: tlll"\tcnd, mollify,
ftlrhcar or make any W;Cnl11l1hldulillns wilh rl.'~anllolhc terms nt'lhls Sccurity Instrument or Ihe NOle: without that Borrower's
l..'tll1scnt.
13. Lmm CharJ,tes. If the Itli.ln ~cl.:llreJ hy 1I11S Sc,,:urlty InstrurT1c:nt IS suhjl'l..'t to a law whlt:h Sl'ls maximum loun
l..'hargcs. and Ihat law is finally il\lerpret~d stl fhat the Interl"st or lllhcr loan l..'harges ,ollcl:tcd (lr 10 he cIlllct.:lcJ in c:lnnl'ctilln
with the lnan exceed (he permuted limns. then: fa) ilny SUl..'h loan dlJrgc sh:J1I he redul..'ed hy lhc amounl necessary 10 reduce
the t..'hargc to the pc:rmiucd limit; :iI1d (h) an~ sums alrl"aJy collcclcd from Borrower which l.!xl'eeded permitfcd lunits will
he refunded III Borrower. Ll..'ndcr may dlOOSe.! tl) l11a~c thiS refulld hy redudlJg the pnncipal owed under the Note or hy making
II direcl payment Il) Borrow..:r, If a refund redul'cs pmll.'lraJ. thc rCdUl..'rltHl \\.111 h..: Ircaled J~ ;j paro;11 prq)ayment without
any prepayment l..'harge under the NOle.
14. ~Hllus. Any nOll....c.: to Bilrrn"~l.!r provided for IfI Ihls Sl"l..'lIr1lY In....truIIlCI11 shall he g-I\lcn hy dclivcrlng i[ I)r
hy IIl.Jlling II by !jr~it dass lI1illlullle.\s applll..'ahle I;m requirl,,'s lI:\e (If Jl1lHl1er ml'lhod. The Ihllll.'l' sl1ali he dircl'led 10 rhl'
PfllperlY Addrc:'is IIf illlY Illher address Borrn\\'t.'r deslgnillcs hy l111(i(e (II I.ender. AllY nllfl(C tll Lc-ndcr shall he given hy
Iir"l dilss lIlall tll Len~ler',\ address .\tared h\!r\!lll Ilr <IllY Illher i1ddrl.!ss I.ender ~Il'slgnall'~ h~ 1II1tll't: It) Borrower, Any nntlee
prnvi,ll"d fllr in Ihis SCl..'llrIlY InSlrlJlTlcn! shall he del.'llll'd It) have hccn ~IVI.'Il fll Bllrrtm'l,,'r or l.l'nder when glvcn as IHI)Vh.Jcd
11\ Ihl.' paragraph
I~. (;m,\.'rnlll~ I.aw: SCH~ruhllil,\', rlll~ "l.'lllrl'\ In...lrlJllll'lll ',l1alll'l,~ !!CJ\l'rr1l.'d 11\ t'I.'Ikral law ;ll1d rile law nflhl'
)1I11Slhl'l11l1l III ....llId, tht,;' Prllpcrty l~ IOGlled III file evclllll1;11 .11I)' prll\ I'" lUll or (l..u,,1.: 11111n.. Sl..'I,,'llrll',. Illslflllllenl Ilr lhe NolC
((lllrl1L'I.\ wllh ilflplkahlc law, 'llh.:h 'llnllil'[ ,11;111 11I1t ,lIfl:Lt 11Ihl.:r pr1lvlsiolh n( 11l1'l Sl.'l'Ilrlly In"1r1l1l1l.."H Ilr Ihl~ NIlIc whIch
(all hI.! gi,\lo!l\ cffl:l.:t Wllhllllt lhl' I..'IHlIlil..'llfl~ "l'll\ISllln, Tn Ihl'l I,,'nd lhl: prn\hlllll'> ,11 lhl.. SI.'l.:lJrlly In.'.lfllI111,,'1ll ~Ind Ihl.' ~tlt..:
,lft: del'lJrl.'d fll he 'levl'rahk,
lb. lIurruw\'r''j ('I)p~. Illlrrll\~l.!r '11;111 hI: ~!I\Cll11l1e (llllt'\Il'llll.!d ,,'11PY "t' till" \lllll' .lIld (If Ihl.. S.:t:lJr:ty IJI'itrlJll1l"1\r.
Form 3039 9"0 'f'II~,'.1 oI!I'l/'lll/t'11
11')'l :~~)l)
~,)rJ/, . ..oJ l',\CE
17, Tnnder Ilf Ihe I'rllperty Ilr a lI.nendal hll.,.,lln lIurrnw.r, If all III any part "f Ih. Property ur any
inlere.sc in II is 50ld or tr:Jn!\f~rrC'd (or il" a bcncfh:ial irucrC:'i1 III Ullrruwcr i~ snltl'II' lrunsfcrrcu 1.I1l\J Burrower Is nul a l1utural
penon) withuut LCl1lh:r',,\ ptinr wrlllcn CIH1SC:III. 1.ender lIIay. at ih OPII\III. rC4uirc illlllu:dialc pnYlllclI1 in full Ill' all !ilUIIlS
~ccurca.l by Ihi!\ SCL:Urlly I 1I.,lru1l1f....IIl. )I11wcvcr, tillS 11('lion Sllillllllll he C:H,'h:isl'd hy 1.I.'Ildcr if cx.crchc i."i pmh,hiled hy fl.'lll:':11
low B:'l or r}tle dllle uf this Security 11I1iIrUlIlcnt.
. If under c:\C:rcll'il:.' Ihil\ oplllJR. l.ender shall ~I\!C Unrrowcr 1111lilo:c of anclcrution. The notkc: shall provide a pcrioll
or null~s~ Ihan 30 duys from che Jute the 1I0licl,;' i." delivered IIr mailed within which Uurruwcr muM pay nil 'iUIll~ srcurcd
by this Securily Imarul11enl, H llnrroYt'er (uils 10 pay 11ll..'se SUlIIs prior hi the e.'\pirallon ur this pcrilxl, Lcnuer lIIay invoke
Bny remedies pernulIetJ by Ihi~ Sel.'urily In,'\truJIICrH wlthuUI fUrlher nlltice IIr dell1and un Borrower,
18. Burruwtr'!I HI.lu tn Mehl!llule. Ir nurrower IlIecls \,.'crlain l.'olltJitiuIIS. ()urrnwcr shall have thc righl In have
enforcement or Ihi5 SecurilY Inslrunil:rll discontinucd at any lime prillr lu thc carlier Ill': (11) .5 days (ur such olher period
liS applicable law may spc:dry fllr reimilatclIlt'lIl1 before SolIe of Ihe Property pursu<uu 10 any powcr of sale cUllIilined ill this
Sc.."Curily Instrul11enl; ur tb) ~nlry or a juJltn't'1I1 enforcing this Security Instrument. Those cundiliuns arc lhal Burrower:
(a) pays L,,"1er all .um. whkh Ihen wnull! he due und.r this Securily Instrul1lelll and the Nol. a. if no acceleration had
occurred; (b) cures ~InY ddaul1 of allY olhcr ..:'n\o'cnanls or agrcclIlcnl!i; (l.') puys all c:\penses inl..'urrcu in cnrorcing this Securily
Inslrumenl. including, buc ont limited to. rca.'iunuble al1ol'neys' fecs; anu (d) tilkes such al.'tlon a~ lender may rcasonably
require 10 a!\sure (hut Ihe lien of Ihl!i S~l.:uricy Instrument, Lender's rights in the ProperlY and Dorruwc:r's ohliglltillll 10 pay
the sums !\ecurcd by this Sc..:'urilY Imtrumenc shalll.:ul1tinuC.' unchanged, UPOII rcin~tat~lI1ellc by Uorruwcr. this Sccuricy In-
muonent .nd Ihe "blig.li"n. ..cured hereby shall reonain fully effective as if no accel.r.li"n had occurred, H'Jwever, Ihis
rlihtlo rein5l0le shall not apply in Ihe ca.e llf accelerali"n under paragraph 17,
19. Sale ur NOI.; eh.IIKe "f Loall Servlcer. Th. N"le "r a partial imere51 in Ihe NOI< (lIlgelher wilh thi, S.curily
Instrumenl) may be sold one or mure: times without prior notice to Borrower. A sale may result in il c:hange in the entity
(known .. the "Loan Servicer") Ihol coll.c" nllmthly paymems du. under Ihe Nol. and Ihi.s Secumy In.trumelll, There
al,o m.y be on. or more chang.s of Ih. Loan Servicer unrelated 10 . salc "I' the NOI<, If Iher. is a chang. "f Ih. Loan
Servicer, Borrower will be given wrillen nOlic. "f Ih. chang. in accurdanc. wllh paragraph 14 above and applicabl. law,
The nolice will Sial. the name and nddrcss or Ihe n.w Loan Servicer and Ihe address W which paymenls .hould b. made,
The nOliee will also conlaio any (Hher informal ion required hy applicable Inw,
20. lIazlJrdnu!5 Suhslance!I. Borrower shall nuC cause or permit Ihe presence. u~e. di.'iposal. slorage. or relcase
of .ny H.zard"us Subs lance, "n or in the Pr"l"'ny, Borrower .shallnol do, nur allow anyone .I,e III do, anylhing arc,cling
Ihe Prol"'rty Ihal is in violalion of any Environmenlal Law, The preceding two .lenience. ,hall nol apply wlhe pre.ence,
use, or Slorage "nth. Pr"peny of .l1Iall quamilie. of Hazardous Subslances Ih;1I arc g.n.rally recognized 10 be approprial'
10 normal re~iJencial uses and to maintcmmcc of the Property,
Borrower shall promptly give lender writt~n nOlice of any investigatiun. claim. d~l1Iand, law5uit or othcr aClion by
any govern menial or regulatory agency "r prival< party involving Ihe Propc:ny and any IIIlJ,ardou,s SubSlanc. or
Environmental Law of which Borruwer has actual knowledge. If Uorrower Icarns. or is nutilieu by any govermnencal or
regulatory authority. that any removal or other remcdiation of any Halarduus Subslan(;c affc..:'ting the Property is necessary.
Borrower shall promptly (ilke all necessary remedial actions in aCl.:ordance with Environmenlal law.
As used in this paragmph 20. "Uozardous Substances" are Ihose suhstanccs delined as to.",ic or hazaroou!li substan..:'cs
by Envlrononenl.1 Law and Ih. foll"wing ,ub".nces: ga,,'lin., kw"ene. '>lh.r flammabl. or loxic I"'lroleum proJuclS, UlXjc
pc~ticides and herbicides. vulJ.til~ solvcnts. materials comaining asbestos tJr formaldchyde, anu radiuactive malcrials. As
used in this paragraph 20, "Environmental Law" means feuerallaw.\ ilndlaws of Ihc jurisdiction wherc Ihc Property is Ifk:~ucd
thai relate Co health. sarety tl( envirol1l11cnlal prolection,
NON,UNIFORM COVENANTS, Borrower and Lend.r funher covenanl and agree a,' follows:
21, A.celeratlon: R.medles, I..nd.r shall ~ive nollce 10 Dormwer prior III acceleration followhlR Borrower's
breach of any covenanl or aareelllentln thl. Securlly In.trum.nl (hul n"t prior to ac.eleratlon onder paragraph 17
unle.. applicable law provld.. olhtrwl.e), I.ender .hall nlltlfy Dorrow.r of, amon~ olher IIllnKs: (a) Ihe delaull; (b)
lhe action required 10 cure the deCaaU: (c, wh.n Ihe defauU mU'1 he cured: and (d) thai failure 10 cure Ihe deCaall
IU speclfted may result In acceleration of Ihe .am. .e<:ured hy Ihl. Se<:urlly In.,trumenl, forclo.ure by judicial proceedlna
and .ale of Ihe PrupeMy, Lender .hall fuMher Inform lIorrower of Ihe rl~htlo reln.lale aner a.eelerallon and Ihe
righllo IlWM In the for..,lll.ure proc..dlnR the non-ubl.nce of a ddault or any olh.r der."se of Dorrow.r 10 aculerallon
and foreclll.ure, If Ihe ddaall I, not cured as .pedn.d, I..nder al II. opllon may re'lulre IlIImedlale paym.nllll fall
of all .011I. secared hy Ihl, Securily h"lrum.nl wilhout further d.mand and lIIay foredose this ~.carlty In,trum.nl
by judicial proceedhl~. Lender shull he entlll.d to collect all expel".' Incurred In pu,,"ln~ th. romedles provided In
litis parnRraph 21. Includhl~, hulnntllllllted 10, allorn.y.' fees and C'''I< ,.f IIl1e evidence 10 the eslenl permilled h)'
applicable law.
Form J039 9Nl 11'1l1.lr' " ",. f) f'lllJr'f/
,. 11')3
tuU~ .... I'm
2~J1
\"
".;)
....
b."
U. R.I.IISI. Upon paymenl of all .um. ,ecur.d by Ihi. SecurilY Inmumenl, Ihi. SecurilY In5lnlmenl and Ihe e5lale
con.eyed ,halllerminale and become .oid, Aher ,uch occurrence, Lender shall discharge .nd ,.Ii.fy Ihi. SecurilY Inmumenl
wilhoul charlie 10 Borrower, Borrower .hall pay any record'lion CO'I"
Zl. WIIVlII. Borrower, to Ihe ..teRl !'Crmined by applicablel.w, wai.., and rel.a,., any .rror or def.CIS in pro'
ceedinll' 10 enforce this SecurilY In5lrumenl. .nd her.by w.ive, lhe benetil of any pre,.nl or fulure law, Plll.iding for Slay
of ..eculion, ..ten.ion of lime, exemplion from an.chm.nl, I..y and ,al., .nd home".ad e.emplion,
Z4. R.lnstat.m.nt Period, BOllower'. lime 10 rein,lale pro.ided in paragraph \g shall extend 10 one hour prior
10 Ihe commencemenl of biddins .1 . .heriff. sale or Rlher ..1. pursu.nl 10 this SecurilY (nllrumenl.
Z5. PurchllSl Mon.y Monlll', If any oflhe debl ,ecur.d by Ihi. S.curilY In5lrumenl i. lenllo Borrower 10 acquire
litle 10 the Propeny, this Securily In.trumenl ,h. II be a purcha.e money monsage,
Z6. Inler..t Ral. ARer Judlm.nt. Borrower Dsree, Ih'llhe inlere" r.le payable afler . judgmenl i. enlered on
Ihe NOle or in an "lion of monlase foreclo.ure shall be Ihe rale payable from lime 10 lime under Ihe NOle,
Z7. Rld.n to Ihls Slcurlty Instrum.nt. If one or more ride" .re e.eculed by Borrower and recorded logelher
wilh Ihi. Security In5lrumeRl, Ihe co.en.nl5 and .greemenl. of each .uch rid.r ,hall b. incorporaled inlo and .hall .mend
and .upplemenlthe co.enants and asreemenl5 of Ihi, Sccuril)lln'lrumenl a, if Ihe IIder(s) were a pan of thi, Sccurilyln'lrumenl,
[Check applicable bo.(e.))
~ Adju"able R.le Rider ~ Condominium Rid.r 0
o Gr.dual.d Paymenl Rider 0 Planned Unil D.v.lopm.nl R,d.r 0
o Balloon Rider 0 R.le Impro.em.nl Rider 0
E9 Olh.r(.) [specify) RIDER '1'0 PIIRAGRIIPH 18 AND EXHIBI'1' II
ttISIGNING BELOW Borrower .ccepl' .nd agre., 10 Ih. I.rm. and coven.nl' cOnlDin.d in jhi' S.curilY In'lrumenl
.nd' a y rider(.) e.ecUI y Borrow.r and recorded wilh il. ) ~
~t,e. /1/1/1...... ~..Wu.t.n!!L.. ..,B~k~~........) ,Y~:t.~A ..,......,..,....(s..1)
I r\#..l RICHIIRD L FI HEL -Borrower
i Social S.curily Numb.r..,....,.."........,,,,....,,,......,..,......
"["""""""""""""""""
1-4 F.mily Rider
Biwe.kly P.ym.nl Rid.r
Second Home Rid.r
"""""""""""""""""""",..""""""""",.."",,(S..I)
-Borrow.r
,
,
\
Sodal Security Numhcr
[Space 'el.w Thl. Une For AcknowledGmenl1
S.9~~c)NW~RlUrH OF PENNSYLVANIA, CUMBERLAND COUN'l'Y SS:
. '\~"'''''l,:of1./this, the 22nd day of March, 1993, before me,
,',..;;.<i:l}E; 'r)de'~signed officer, personally appeared Richard L, Fishel known to me
i;:;' f<~'( or"l!id~l!l'factor i ly proven) to be the rerson whose !lame ,~ subs(~r ibed
, : thllr'#ithln, instrument and acknowledged that he executed the same for the
'"Y;'pur sit: herein contained,
" .~;"~.:::...~, \:' ..~,< ,." , /
"'f,t-l,;'W ,'J,'NESS \m~;l'tE F '1 hereunto set my hand and official seal.
"",;i.,' 'I. ..,: ~ ,/~ [' :C'Y (,
Notary publ ic
I
't10HK FI::DERIIL ~ 'lNGS IIND LllIll i\SSOCI,vI'['JII
['01 SllU'l'1l GCORGC\S'I:l-U;C'l'
YO[(K, PCNNS'lLVANli\ 1~7401. '. ~ ,,,,'"
~ ~/'
Pt'E.![lat'ed by ~~ ~ "~ ",,,'
<::
NOTARIAL SEAL
nEfllMlIE E, '/lIT MER, ~Iollry Public
HJrri~t.'w; DJuphin County, Pol.
, ,I r:onlli:I.~lvr E,.pirQ$ July 5. 1993 ~
.-..' -....- ...----.---
form 3031 tJ90 (plJ~' 6 .If' 0 plJ~'S'
\
~
,I!eIlREn , ~~~ "'n~~:iFF~' 'lie
. r', 'nO ' \ ~ ')
, -) 1)3 . - 1)(1,)
~~U~, .0. ~,'Cc. ~..IJ'41
~~
.~_"I\I~'"
AI>.!lISTAIlLE It/HE RIDER
TillS ADJUSTABl.E RATE IIIDER IS lI"ule II", ~2n~__ day "' Marclt 1993, III1lI I,'
ifu:urpun'h~&J inlH nut! :ih,,1I h~ d"'~I11l:'J h, UIIIClll.l unu SUl'pl....III..:1I1 Ih..: MI).lgull...., D........J of Trust, or D....l:u to S...cur~ U....III(lh.... .Security
Inlitrull1cnl") ur Lh~ !UUlh~ ..Jule l:iwll hy th.... llIuJcrsiJ:llcJ (the "Uorwwcr") 10 ~L'CUrc nurrow~r'!i AJjustuhl-= Rille Nuh~ (the "Nlllc")
10 YORK "F.DERAL S,\ VINGS ANI) LOAN ASSOCl,\TION (Ihe "l.eIlJer") III' Ihe "'lIIe Jllle UIIJ Cl)verill~ Ih" l''''l'e,ly ue,eriheJ
in th" Seeu,lIy Insl,umenl anu lo,al"u al:
640-12 Geneva Drive Mechanicsburg, Pennsylvania 17055
/I'"J/'t/')'.i,I,t,,,.lj
Th~ NHIC l.:lIl1luhl'i prm:i!'liilln."i 1,lIuw'''lll'ur dUlIIlll~ in Ihl! inlenos' rull'. Ir till' inll'rU'i1 rule
hu:reu.'ie1, lh... lJul'ru\\ocr's IIIHlllhly pu,II1l...nt."i will h~ hij.l,hcr. II' tilt.! intl'r~1 rule dl"f.:rC!L"\cs,
lh. Dorro...r', monthly pUYlllellls will he 1l1wer.
ADDITIONAL COVENANTS. In ~U.hJiliol1 to tht: cuvcnunl:ol unu l111rt:~lI1ents llIaue in the S..:curity Il1l'itrullu:nt. Borrower unu LenJt:r
furth&:r covenanl Ind Buree as rulluws:
A. INTERF.ST RATE AND MONTHLY I''\YMENT CII,\NGES
The Nole proviuc$ fur on initiul interest rute uf 7.000 %, Se..:li'III'~ of the Nole pruviul:s for chunJ:cs in the inlerest rille and
the nlOnlhly p.ymenl~. as fnllows:
4, INTEREST RATE AND MONTHLY I',\YMENT ClI,\N(;ES
(A) Cha"Ke Dales
The ,"Ie,e,t rale I wIll pay l11ay ""11IM" on Ihe lirsl d"y of April . 19.2!... and on Ihat uay of
the mmtlh ever)' 12 montlHi Ihelculh:r. Eill.:h Jutc 011 which my interest rute could chuna:~ is callo:J 0 "Chllnge
DaIC".
My m'lnlhly paymellt J11ay change on th" nISI Jay of . May . 19 .2!" and on that uay of the
n10nlh e'r'erY.12 months tht:reafter. Eill.:h Jak 011 wlw.:h my monthly payment could dum,;e is c:llleJ a Payment
Change Dllte.
(D) The I"d.,
Be.:innii1J.: with the first Clmnge Date. lilY lIIh:n::,twllt will he ha:'cu on an "Index", Th~ Inuex. is th~ "Natiunal Avcrag~
CuntrJct Mnrtguge Rillt: for the PUrdli\:-;e of Pn:vlously Occuflieu IhJnles hy Comnincu L~nu~rs" published by the F~ueral
Hom~inl& Finance Bnaru. Th~ most rt:ccnt Inuc;\ Ijgur~ ilvailahh: as of 45 dnys hcforc t:ilCh Changt: Dale is called the "Curr~nt
InJlo!x" .
If th" ind~:< is no long~r u\lll.lIl1blc, thl! Note llolJcr \\-'ill chooslo! it neW inJ.lt:< whkh is ha:-;cu upon cOl11parahlc information.
The NtJte Holder willlJivl: Iltt: notice of lIs choice,
(C) Calculation or Chan~l'S
Bdore each Chang~e Date, the Note HolJer Will calculate my J1C\J IIltcr~st ratc by ;uJeJing 2.000
perccnltlge points (2.000 %) to the Current IIlJcx. The sum Will be my new inlr.:rest rate. ~ly intcre~t mte ",ill
not be chang~cJ hy n!ore than 1. 750 pt.:rct.:I'la~e points Oil any Change Dale, My inlt:rest rule Will not he chung't.:d
hy mor" than 6.0 pt.:n.:enlagc points l)ver the Iil'~ of my loun,
The Note 1I0luer will then Jt:tlo!rmillt' tht: amount llf the monthly paymclH that would h~ sufficient to n:pay in full tht:
prmcipul that I tUIl c:<p~Ch,:J 10 owe on the Chang~ Dati! ill :-iuhslill1t1ally cljuul payments hy the mllturily Jate .11 my new inh:n:st
rat~, The n:"iult of thl~ J.:ak:ulilllon will ht: the new amount of lilY lIlulllhly paym~nt.
(D) EI'[ecli.e Dat. ..I' Chall~cs
My new interest mlt: \\'111 hl..'col1\cj I..'tfl..'ctavl.! 11II cadi Ch:mgo.; DJtl.!. I will pay the amount of my Il~W monthly payment
he~lnning on lhe lirsl monthly p;I~'IIl\,..nl datI.! alkr tll..: Ch:lIlgt: Dalc untd the amount of my monthly puymt.:llt chang..:s again.
(E) NUliee ..,' Cha,,"cs
The ~Illc HnlJl..'r \\illl11all or ddl\cr tll rill: ,I 1\1)1I..,:e llt.'lnfc cadi PaYlllt'IH l:hiU1L!l.: Dalt:. The llutU':C "vlll ad"'I"1..' Ill': 01:
(i, Ih..: Ilf.;W IIltl!rlt~t ralt.: on illY Inan as of thc Change Dalc;
(Ii) the amount of 111.\1 J11llnthl~1 r"YI1ll..'IH fllllo\\IIlt! lilt' Ch:lIll!l' f),llt';
:1I1~ ;1<!dlll(\Il:1l1l1:11"'r'" '.,111 h Ih,' ~:,-,I,' It ': ["r i" ""\!111 I', IIt",I,
It L\:luJl'r LJlth:rllltl1CH Ihut .11 or 11 11111 uf Ihl! Properly i.... l'Iuhjccl In 11 lien who lUll)' Kllnin a Illinltty lI\,er Ihi~ S....l.:ulily
1""trumclIl, lend.:r Khllll Vi.....e Borrower ..'nutice: id....nlifyillW lH1ch liell. IJI)rrower ~Iullllmti!ilfy l'ilH:h licit Ilr luk~ one Ilr morl! ollhe
Ildllm~ ."cI "\llth 6lhtwe within len lIay~ u,. Ih~ H'....inll of the lUll ice.
C NOTICE
lInllllllll Cu\.....lIIml I.' ur the S~..:urily Insllulll....nl is IUlll'lll.h.'dlu r....;uJ us lulluwl'l:
14. Nulice. lh":l:'llI lilr nny nt)h..:f.~ n:lluil..:lI und....r np('lklthl..: hlw 10 hit wiven in lumlhcr mnnn....r. (0) OIlY nlllic~ to Dnrrn\\.'~r IHO\'il.h..',1
hlr III thi~ Se..:urily Instrumenl :'\hllll h~ wiven hy ul.!l&verillll it ur muili"., it by lirlll c1l.&PfN IUuillu Ullrrower at Ihe Pruperty ^Jilh"'i"
or al ~uch other aduress as DlIrrowc:r nlny tJe"ignulc hy notke 10 lenJer a~ proviiJ~u herein, Dmllb) any nutic" 10 LtuJcr shnll he
l!'lven hy firsl c1n~s mnil to Lenu.:r's BlhJrcs:i slal....d herein ,Ir tt) !Such other .tJdrclIlI as Lender 1111lY tJ!;'~ianole hy nllli..:e to Dorm"t.'r
me plUviuetJ hl.'rl.'in. Any UuIICt: provitlr.u for in Ihis Sc:..:urity Inslrumt!nt .shall be iJ~emetlto hovte hern ~ivl:n Ie) DOHIlWl.'r Ilr I.l.'luJt'r
\\ hell ~ivrn in tIlt: mnnncr u~5ianaleJ h~rein.
U. UNlt"OltM SEClJRITY INSTRUMENT; GOVERNING l,\W; SEVEltARllITY
Unifurm Cn\'enant IS or the Sel:urity Instrument is alJ1~ntl~tlt() rcoll ale folluws:
15. lInil'urm Sc\'urity I...'i.runumt; Go\'nnillR Law; SC\l'ruhility. This form of Sel'urily Instrum....nt comhancK uniform \:OVel1illlls
fur UiltillfHll use anu lJun.uniform covenants wilh limited variulions by juris..Jictionlo constitute... uniform ~I:curily ill~tIU"h..'lIt l,,'ovt.'rinw
,..1 p",,,crl), This S<<;urity Instrument <hall b. Ko,'.med by r.derallaw .nd th. law of the juri.dielinn in whkh Ih. I'lUp.rt)' i.
hllo,'i1h."1. In Ih~ evcnt thut any provision or claus!;' of this Sl.'cullty Instrul1l~ntl.)r the Not~ contlkls with ilpplicable IIlw. "uch "..unt1kt
:-hlllllllll nfft:ct othcr provisions of this S(curily Instrun1~lIt or Ihe: Nute which ,un hc givl.'n dlt:ct wilhClullhe (,'olll1i~linH I'lO\ii'lllll1.
and 10 t!tlle f.'lId Ihlo' provisions of this Security Instrument amllh~ Nutt: arc declllrcd to h~ s~verllhle.
E, TIlMiSFElt OF TIlE I'RIWF:RTY OR ,\ IlF.NEFICI,\lINTEREST IN nORROWER
UnifOlf11 CI)\!eIllH~: II of the S~cllrity Instrument IS al1l~mJ(d 10 rt:ud as fullows:
17. Trull"rf.'r U"UIl' IJl'op~rty lIr a U...n~liciullntf.'rcst in Burruwcr. If l!1I or any part of Ihe Prop~rly tlr tUl inh..'fl;ht Ihl.'h:H1 l~ 'il);d
III lrun~f~rh;'~1 (01' If a bcnclidal inkrest ill Borrowcr IS Stlld or tr:msferrl.'d and Omrowcr is not n nalulal pcrson) Without L.I.'IIJn"i
pnllr \Hltll.'n CllnSl..'lIt, lentl~r may, at Lcn..Jt:r's optiun, JClo:llIlc al! Ihe SUII1:; st:l;urcd by thi:; Sr,:l;urity Inslrument to h~ imlllt'\liafd~'
Juo: iIlHJ Pll)'ahlc. I:owc\icr. this option shall not he ..:xcrcise..J hy L~n..Jer if ~xcr~ise is not Illllhorlzctl hy FeclcrallJ.v.
'f 1.1,'IlJer c."l.nclSl'''i SUt.:h option 10 ll~l.t:lcfll[t:'. Ll.'lItJer ~lhllllllmil BorrO\Vt:'r notice of nl.:Cell!r:llion in 31.:l,,'ordllnl,'t: ......Ith pllrllglOlph I.'
hl,'(l.'uf. SlIl.:h nolke shall l'"witJiJ a pc:rimJ of notl~ss chan 30 Jays hom tht: dale Ihe notice is n\uileiJ Wilhill wludl BonO\.\ er IlIay
puy Ihl.' sum~ ucdarcJ uue:. If BlJrrow~r fails 10 pay su..:h SUI1\~ prior tn Ih~ C~rir:lli()n of su..:h pcrioJ. Ll:nJlo:r m:IY. '.\'ilhoUI fUllh':r
noli!;!; or u~mi.lnu on []orrowt::r. lIl\lok~ any rCll1cJies p....rmitll.'J hy p{Ir:l~r:lph I S h~re()f.
Notwlthslan..JillJ: II salc or tran!it\:r, Borrower willl.:ontinu~ to hlolllhligutl.'d unur.:r the Note anu this St:..:unty InstrUI1l!;!1\1 unless 1.L'llucr
hll'\ rch:a~t:..J Borro\\er in writing.
F. I.ll.\N CHARGES
If Ih~ lonn sCl.:ureu oy the Securily Instrument is suhJt.'ct 10 a li'\Io' whkh sets maximum loun chi1rgt.'~. ,lIuJ Ihat law is finall:; illlo!lj1lekc.J
~l) thllt the: inlerest or ulh~r loan dHuyes collcdcd or 10 11t: collcclr::cJ in conncction ''Iilh the 10lln ~.'c~ed permille(j lintiU, Ih~n: (I) :my
sud, loom ,har,g~ will he retJucciJ by the amount necessary 10 r~duce Ih~ ch;:uge In the permillt:<<.J limil; and (2) any :mms ielrl'aJy
..:olledctl from Borrower which e\cccu....J pcrmittcJ limits will be rcfunued 10 Borrn'Nt'f, LenJer may choose to make Ihile It..fund h:-
rcuuclll!:: the principal oweiJ under the: Note or by making II l..Iirect payment to the Borrower. . If II reCund rellu\:es prillt,;il'al. lht.'
rcdm.tHlII will h~ tr....aled a~ 11 partial prepayment under the: NOlI.'.
I~ ,~'1~I'SS WIII:IU:oF, ~1l1U hi , <''''',Ul<d Ihi, ,\d.iUSIIl'.,I< Rllt. Rid. . L
. ~! ~ I ,/.'1':; ,J I ~ ,- \J
---.rv~ (/1 . , V rJ ()o" LII I
"J ! v I \Vii"", Hid ard L Fishel
lL
,Sca'I
. [I'.rrll.....:r
1 Sl.'al I
,Iltlll"",cr
! :-il'al)
."orrOW'~r
ISI~11 I "'lllltoll f ',,/ \ ,
\I\I.'l'l'\\ \
\~
CONDOMINIUM lUDEI
TillS CONllOMINIUM RlOfR i. lI.,de lhl. ,......~~n.d,.... ..,........ day of ..,....M.!'!,t:<;h...., ,......,..,.......... IlJ..~~....,
olld " IlIeorporoled inlo 0",1 sholl be deemed 10 alllelld alld supplelllellllhe MUrlgage, [Jeeu of '('ruslor Securily Deeu (lhe
"Sc:~urity In~IrU~HmQ o(lhe !lame ~oh:livell hy the u,u.lcuigncl' ul". "()urruwcr") to ~ccurc nl.uruwer', Note tn ,,,....,,,,..,
"""....", ..Y~F.", ,f', , , ,!-:~~,1, ,~~Y,~\l" ,!'!r!~, ,~,'?~r!, ,r:-,'?,'?~~, ,<?t~~I,l"."".""."""""""""""",...", (lhe "Lelluer' ')
uf Ihe sallie uale allu coverlllg Ihe P"'peny ue,cribeu III Ihe SeeurilY III"'ulllelll allu IOCllleu al:
"":,....,, M(H,?" ~n.'.?,y~, ,p.r.~,Y!!." !:1~<;h~,~<;!1~\\l:g., P,~Hn~.Y.1.Y!=!n~,\l"..~, ?9,?~"""".,.."...""""""""""""
IProp.f1y .Add'"''
The Property indudl!s a unit in. lo~elhcr wilh an U1uJivi..Jcll interest ill the ~llllllllon clements ufo a cUlIfJuminiulII project
known as:
'......,..,..,., ."....',..' ..... ....", S!-'!'\l':l.i.l~l,.C.on~CJ!~i.n,i~ll...... ..','..' ,....,..........,..", ,'....."",'... ...........,
IN.me 01 COlldOllllnllJIIl PrOI,et)
((he "Condominium Project"), Ir the llwncr." as!locialioll or other elUity whkh 31.;15 ror the ComJollliniulI1 Project nhe
"Owne" Associatiun") holus litle tu p"'peny fur Ihe hellefil ur use uf lIS lIIembe" or ,harehulue", the ProperlY al,u illcluues
Borrower's interest in the Owners Assuciation and the u~e5. proceeds und benelits of Borrower's inlere:U.
CONDOMINIUM COVENANTS. In auultiun lu Ihe ",venanlS anu agreemelll' made in Ihe Security Inslrulllem, Burrower
and Lenuer further cuvenanl anu agree as fullow,:
A. Cundomlnlum Obllgotlllll5, Burrower ,hall perfurm all uf Burrower's ubligaliun. under Ihe CUlluuminium
Prujeel', CunSliluenl OucumenlS, The "CunSliluenl OocumenlS" are the: 0) Oeelaraliun or ony olher uocumenl which
creates the Cunuuminium Pmjeel; (i1) by,law,; Oii) eoue of reilulalions: anu Ov) ulher el)uivalenl uocumelllS, Burruwer ,hall
promptly poy, when uue, all uues and a"essmem, Impo,eu pursuanl 10 Ihe Cun,liluem OOCUlnenlS,
U. Hazard Insurance. 51) long 115 the Ow"~rs Association maintains. with a generally ac('eptcd insurance currier, a
"maSler" or "blankel" puliey on Ihe Cunuuminlum Pmjeel which is ,alisfactury to Lenuer anu which provlue, insurance
euverage in Ihe amuollt', fur Ihe periUll" anu again'l the halards Lellder rel)uires, incluuillg fire and hazarus illcluued wilhin
Ihe term "extendeu euverage," Ihen:
0) Lenuer waive. Ihe provi,ion in Uniform Covellam 2 for lhe mUlllhly paymem 10 Lender of one'lwelflh uf
the yearly premium inSlallmem, for hazaru in,urallce un Ihe Pmperty; anu
(ii) Burrower's obligation under Uniform ClI\ltnant .5 10 maintain hUlard insurance covcrnge on Ihe Properly
i, de:meu sali,fieu 10 the exlenl Ihatthe rel)uireu euverage i, provided by Ihe Owners ^ss"ciatiun puliey,
Burruwer ,hall give Lenuer prumpl nOliee uf any 'apse ill re'luireu hazard insura",:. coverage,
In Ihe evenl uf a ui5lributiun of hazaru insurance proceeu, in lieu of reSlor",iun or repair fullowing a loss lu Ihe
Properly, whether 10 Ihe unit or 10 eummun elemenlS, allY proceeu, pnyable h. Burruwer arc hereby a"igneu anu ,hall be
paid 10 Lender for applicatiun tu Ihe ,urn. ,eeureu by Ihe SeeurllY In'lrumem, Wilh any excess paid lu Burrower.
C, Public L10blllty In.mronce. Borrower ,hall lake ,uch Jeliuns a. may be rea,unahle lu in,ure Ihal Ihe Owners
A\~uci:llion maintains a public liability insunlnce polky acceptable in furm, amount. and c:\tcnt of coverage to lender.
D. Condemnalion. The proceeds uf any award or claim for damages. Jirect or cousequenlial. payable In Burrower
in cunnection wilh any condemnation or other laking ilf all or any part of Ihe Properly, whether uf the unit ur of the cummun
elements, or fur any conveyance in lieu of condemnation. are hereby as~i~med und shall be paid to Lender. Such proceed!
,hall be applieu by L.enuer 10 Ihe 'UIllS ,eeureu by lhe SeeurilY IIISlrUrnelll a. pmvideu in Uniform Covenone 10,
E. Lender's Prior Consent. Borrower shall not, c:\cepl after nutkc to lende~ anu with lender', prior wriuen
consent, eilhcr partition or subdivide the Property or consent In:
Ii) Ihe abandonment ur lermination of the COlldllllliniul1I Project. c:\ccpt for ahandollllleru or termination
required by law in thlJ case of substantial destruction by fire or other casualty or in the case of a taking by condemnation
or eminent domain;
tii) any amendment to any pro\'i.'iilln of the Cllll.,titucnt Documents if the provision i~ for the cxpre~s benefit
uf Lender;
(Hi) IcrmilHllion t)f profe:\!iitJl1almanagcmcflt and it~sul1lpti()n of \c:If.m:magentent uf the Owners Association;
or
(iv, any action which would have the cffc:ct of rcnJcring the puhlic liability insurance coverage mainlained by
Ihe Owners Association unacccptable to Lender.
F. Rrmtdie!ll. If Borrower does nol pay conJOIl1iniulIl dues and :.i~SCSSIllCnlS when due, then lender may pay them.
Any amounlS di,burseu hy l.cnuer under lhi, paragraph F ,hall beeullle addi"""al debl uf Borrower ,eeured by the SeeurllY
In~murncrH. Unlc~~ Bnrrn\\Cr and L~nder agree to tllher terll1:\ llf payment. Ihc~e amounts shall bear intere5t from the date
of Jlshursemcnt ,it the Note r:He anJ shall he p,lyahlc. with II\tcrest. upnn notice lrom lend~J to Borrn~r requesting paymem.
BY SIC;NINC; ll~ltw, [l:m""er J,ee,ep,,, ,HId ,Igrces I" Ihe lerm' '"H~'OVl"'''1S ~onl~Ill' ,n IhlS c:',"~ollllnium Riucr
/il' 1/ 't //./, II 'I' 'm,~' C.fJ,II"Ji /fl.,'J (J.,j , ,lSeal1
WITHISSID IV: \....r,L Lie-cd Ii ,( "Un i III -/ f dldrd L [o'tsh~f e",OWf'
\ "I ,Se,lil
, \ ,l3orrow.,
I '-.-.' -'
MULTIUAlI CONDOMINIUM AIO'A-Stn....,~ F;1md"'-'3nnlt Mat/'''ddle Mac UNIFORM INSTRUMENT 3 :~ ~).,
. , : ,.';' t t'> 1.',rE ~
, r:.dU . ... .
'orm 3140 9/90
TillS SECURITY INSTRUMENT clllnhlnes uniform c,,,.non" li,r notional u.e and non,unlform cov.nanls wllh limil.d
varialions by jurlsdlclion 10 conslllul. a uniform s.curlly Inmum.nl cov.rlng real propcny,
UNIFORM COVEI'lANTS, Borrow.r and lend.r cov.nanl and agr.. as follows:
I. Payn..nt of Prlnclpal.nd Interest; Pr.paym.nt and Lat. Charg... Borrow.r ,hall promplly pay wh.n due
Ih. principal of and Inl.reston Ih. d.bl evld.nc.,1 by Ih. NOI. and any pr.paym.nl and lal. charg.s due und.r Ih. NOI.,
2. Fund. for Tau. and In.urance. SubJ.cllo appllcabl. I.w or 10 a wrlll.n waiv.r by L.nd.r. Borrow.r shall
pay 10 lend.r on th. day monlhly paym.nt. ar. due und.r Ih. NOI., unlillh. Nole Is paid In full, a sum ("Funds") for:
(a) y.arly IU.. and ......m.n.. which may all.ln prlorlly ov.r Ihis S.curlly Inmum.nl as a Ii.n on Ihe Propcny; Cb) yearly
I.as.hold paymenls or ground renU on Ihe Propeny, if any; Cc) yearly hazard or propeny Insurance pr.miums; (d) y.arly
flood Insuranc. pr.mlum., If any; C.) y.arly mong.g. Insuranc. pr.mlum., If .ny; and (I) any sum. pay obi. by Borrow.r
10 L.nd.r, In accordanc. wllh Ih. provisions of paragraph 8, in Ii.u of Ih. paym.nl <If mongas. Insuranc. pr.mlums, Thu.
lI.ms ar. call.d "Escrow It.ms," Lend.r may, at any 11m., coll.cl and hold Funds in an amounl nnllo exc..d Ih. maximum
amount a I.nd.r for a f.d.rally r.lal.d man gage loan may r.'luir. for Borrow.r's escrow account und.r Ih. f.d.ral R.al
ESlal. S.lIl.m.nl Proc.dur.s ACI of 1974 as am.nd.d from lim. 10 lim., 12 U,S,C, 12601 "uq, ("RESPA"), unl.ss
anulh.r law Ihat applies 10 th. Funds s.l. a I....r amount, If so, Lend.r may, 01 any 11m., coll.ct .nd hold Fuods in an
amount nollo .xc..d 111. I..ser amount, lend.r may .slimal. th. amount of Funds due on th. ba.i. of curr.nl data and
r.asonabl. .stimat.. of expendltur.. of fulur. Escrow II.m. or olh.rwi.. In accordanc. with appllcabl. law,
Th. Fund. shall be h.ld In an in'litulion whose d.po.its are insur.d by a f.d.ral ag.ncy, Inslrum.nlalily, or .nlily
Clncludlng L.nd.r, If Lend.r I. .uch an In.lilutlon) or in any F.d.ralllom. Loan Bank, lend.r shall apply Ih. Fund. 10
p.y Ih. Escrow It.m., L.nd.r may not charg. Borrow.r for holding .nd .pplylng Ih. Fund., annually analyzing Ih. .scrow
account, or v.rlfying Ih. E.crow II.m., unles. Lend.r pay. Borrow.r Inl.r.st on Ih. Funds and appllc.bl. law permils Lend.r
10 m.k. such a charg., How.v.r, L.nd.r may r.quir. Borrow.r 10 pay a on.-Ilm. chargo for an Ind.pend.nl real .slal.
llU r.poning servlc. used by lend.r In cOMocoon will1 1111. loan, unles. applicabl. law provid.. oth.rwlse, Unles. an agreem.nl
i. made or appllcabl. law r.qulreslnl.resllo be paid, Lend.r ,hallnol b. r.qulr.d to pay Borrow.r any Inl.r.st or .arnings
on Ih. Fund., Borrow.r and lend.r may agr.. in wrlllng, how.v.r, Ihal inl.r." "hall be paid on Ih. Funds, Lend.r shall
glv.lo Borrow.r, wllhoul charge, an annual accounling of Ih. Funds, showing cr.dlt. and d.bils 10 Ih. Funds and Ih. purpose
for which .ach deblllO lit. Fund. wa. made, Th. Funds arc pl.dg.d as addillonal s.curily for all sums s.cur.d by litis S.curlty
Inslrum.nl,
If lit. Fund. held by lend.r .xceed lit. amounlS pennillcd 10 be h.ld by applicabl. law, Lend.r shall accounllo Borrow.r
for Ih. exc... Funds in accordanc. with the r.qulr.m.nu of applicabl. law, If Ih. amounl of Ih. Funds h.ld by lend.r al
any lim. I. not sufllcl.ntlo pay Ih. Escrow lI.ms wh.n du., lend.r may so nmlfy Borrow.r in writing, and, In such cas.
Borrow.r shall pay 10 L.nd.r Ih. amount n.c...ary 10 make up Ih. d.ficlency, Borrow.r shall make up Ih. d.fici.ocy in
no more than Iwelv. momhly paym.nl', al Lender's sole dlscr.tlon,
Upon paym.nl in full of all sums s.cur.d by Ihis S.curity Inmumeol, L.nd.r shall promplly refund 10 Borrow.r
any Fund. h.ld by Lend.r, If, und.r paragraph 21. Lend.r shall acquire or s.lIlh. Propeny, L.o".r, prior 10 Ih. acqulsilion
or sal. of Ihe Propeny, shall apply any Fund. held by lender allhe lime of acquisition or sol. as a cr.dil againsl the sums
s.cur.d by Ihis S.curily Instrum.nt,
3. Application of Paymenl', Unl." applicable law provld.s oth.rwis., all paym.ols r.c.lv.d by Lender und.r
paragraphs I and 2 shan be appli.d: firsl, 10 any pr.paym.nl charges due und.r Ihe NOle; ,.cond, 10 amounts payable und.r
paragraph 2; Ihird, 10 101.r.st due; founh, 10 principal du.; and lasl, 10 any 1.le charg.s due und.r Ih. NOI.,
.t. Charles; LIen., Borrow.r shall pay aUla..s, a".ssments, charges, Iin.s and imposilions anribulabl. 10 Ih.
Property which may allaln prlorilY ov.r this S.curity Instrum.nl, and I.as.hold paym.nl! or ground renlS, if any, Borrow.r
shall pay Ih.s. obligalions in the mann.r provid.d in paragraph 2, or if nOl paid 10 Ihat mano.r. Borrower shall pay Ih.m
on lime dlr.clly 10 Ihe person ow.d paym.nt. Borrow.r shall promplly furoish 10 Lcnd.r all nolic.s of amoums 10 be paid
und.r lIti. paragraph, If Borrower mak..lh... p.ym.n.. dlrc<lIy, Borrower shall promplly furnl.h lol..,nd.r rec.ipls .vid.ncing
Ih. paym.nts,
Borrow.r shall promplly discharge any li.n which has prinrily over Ihis Sccurily (nslrum.llluolc", norrow.r: la)
agr..s in wriling 10 Ihe paym.nl of .he obligalion s.cur.d by Ih. Ii.n in a mann.r acceplabl. 10 Lender: Ihl conl<<l, in good
failh Ih. II.n by, or d.f.nds agalnsl enforcem.nlof Ih. lien in, legal proc..dings which in Ih. L.odcr's opinion operale 10
prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory (0 Lender subor-
dinaliog Ihe Ii.n 10 Ihis S.curity loslrumenl, If Leod.r d.l.rmin.s Ihal any part of Ih. Prop.ny is subJecl 10 a lien which
may Jttain priority over this Security (muniment, lender may give J]IJrrOWCr a notice identifying the 1i~f1. Borrower shall
satisfy the lien or lake one or more of the act inns set fonh ahove wirhin 10 Jays of the giving of nll(ic~.
5. flazard or I)ropcrty Insurance. Borrower shall keep lhe imf1rowll1enl~ now e~isling or hr:reafter c:rccrcd on
the "rropcny insured against lo~s by tire,' h31:irds included within the lerm "c:~lendctl coveragt:" and Jny other haz:nds,
including t1()nd~ flr Hooding, for which lender requires in'iur:1l1cc, This insurance shall be maintained In the af1\llUnlS ;lOti
<)Cb
~au~ 1183 fACE ,. ()
Form 3039 9/90 Ifill"": rill) fl'l'4t1I
(Ilr Ihl: pc:rh>lJs thlll Lcnltcr rC(luircs, Thc ill~uralH..'e ...'urn,,'r pru\'llhng thc ill~urlllKC ~IHlIl he 1.:IIlI~CII by Borrower \uh'''I,:1 tll
Lcn..Jcr'511ppruvlll wh!..:h 5hull nut be IInrcu~llnuhly wuhllch!. If Borrll",cr l'uih hlllluillluin,,'u\"cru~e dc~c.:rihcd ahu\'\.', Lelh.kr
may, allcnuer'5 option, o~loln cu\'cmgc to I'WIC~1 L.elll.1cr's rights in the Properly in ill.'l.'onlulII.:e with para~rnph 7,
All imlUrnnce puHde~ anu rcm:wulli .'ihall he u.....:epluhlt.. 10 L.ender und shull indude a slal1u:IflIIlHlrt~lI~C dilUSC. LCllder
~hull have the righl to huld the pulieics ami '''ltcWllls. If l.l'luler rl'tjuires, norruwcr "hull prllll111lly gilJc 10 Lender ull r\.'l:ciph
(!f pUlu prcmiulIIlIi and re'newul nHlkes, Inlhe evcnt of loss. Dorrower ~halllli\le prompt lJotll'C h) the insuran...e l'urder allll
lcndcr, Lender fIlay make: proof of lus:'i if 1I0t mude promptly by Burrower,
Unlc1li5 Lenuer anu Borrowcr othcrwbt: ugrce In wrlllllg, itl.'iUrUIIl.'e pWt.'ceus shall be applicd hi rcslnrallUn or h.'I'>Iir
uf the Propeny dumaged. if Ihe r.:stmatitlll or repair is Cl.:Ulhllllh:ally feasible :lnd l.enJer'~ sl'.,;urity i.\ not ll.'s~eneu, If Ihe
re5lonuion or repuir is not el.:'ol1ol1li...,lIly "l.'ll~iblc llr LClluer's ~l.'curity would be lessened. the insunllll.'c prol.:ccds shall he
applied to the sums $tcured by this Se....urity InstnJnlcllt, "hcther or nl)tthen due, with any cx...t:ss puid 10 n(lrn)W~r, If Rllrrowcr
abandons the Prupeny, or oocs nOI answcr "Ilillll .10 days a noticc from Ll.'lIder that Ihl.' II1SUHIIII:C ....arncr has IIHcrcd 10
seule a claim, then lender may collcct the in,uralll.'c pflJl.'CCJ~. Lcndcr lIluy use the procceus 10 repair m restorc Ihe PropCtl)'
ur to pay lIiums secured by Ihis Se....urity In,\lrUlIlcl1l. whClhcr m nntlhell duc, The JO.day period will bt.'glll whcn thc 1l1l!h.:C
is gi\'en,
Unless Lcmler llnd Borrower otherwise ilgree in writing, any application of pfll...ceds 10 principal ~haH /lut t.'.'\tcnd
or poslpone Ihe due dale 01 Ihe monlhly p.ymenls relerred 10 in puragraph, I a"d 2 or cha"ge Ihe a"IOU,,1 of Ihe paymellll,
II under paragraph 21 Ihe Propeny is acquired by Lender, Borrower', righllo any insura"ce poheles and procecds resuilillg
(rom uamage to thc Propeny prior It) the a"''luisilion shall PUS,\ h) I.cnder III the eXIC'IU of the !\UIIIS sCl.'urcd by this Se....urity
Inmumenl immedi.lely prior 10 Ihe .cqui,il,on,
6, Oteupaney, PresernUon. l\Iolnlenunee and l'rolecUo" or Ihe Pruperly; Borro"n', I,oun Appllto'lall;
Lea.llil'holds. Borrower shall occupy. establish, and use the Property as llorrower's principal resiJcll...c within si:\ty days
after the execution of this Security Instrument and shall continue h) occupy Iht.' Property as Borrower's principal rcsil.len...c
for at least aile year after the oate of occupunl:Y, unless Lender ()thcrwi~e agrees in wriling, wilkh consent shall flol he
unreasonably withhelu, or unless extenuating cin.:ull1stance~ exist whi....h arc beyond Borrower's l:Olllrol. Borrowcr 'ihllll IIllt
destroy, damage or impair the Property. allow the Property to oetcrior:lle, ur Ctlllllllil y.'aste nil the Pftlpeny. Burrower shall
be in dct'aulc if any forfeilure actioll or pro...eeding. wheth.:r l,:ivilllr crill1llwl. is begun Ihat ill Lender's gtllll.1 faith Judgll\ent
could result in furfeiture ofthc Property ur olhcrwise mUlcrially impair thc lien ...re:lleu by this oSe...urily IIlMrUlIlelltllr Lcndcr\
scc;urity interest. Borruwer moy cure su~h a default anu reinstale, a~ provideu in paragraph IX, by causing the a~tU)flllr
proceeding to be dismissed with a ruling Ihat. in lender's good fuilh Jelermination, preduucs fmfelture uf the Borrm\,er',
interest in the Propc'rty or other material il11pairlllcnlllf the lien l.."fC:ltcu h) this Sel.:urilY Instrument or Lender's sel;urilY
interest. Borrower shall also be in default if Borrower. during lhe IOi1l1 applkation proct:ss, gave materially false or InUI,,'CUfillC
information 0r 5taCCIT1Cnt5 10 L~nder (or failed to pnwide Lender with any material informationJ in Ctll1l1cl.."tillrl wllh tile loan
e\'idenced by the Note. including. but not limited to. reprcsent:ltilHl'i <:llll~erning BorrO\'v'er's n"'l,,'upanl:Y of tht: Propcrty a'i
a principal residence, Iflhi5 Security Instrument is 1>11 a leasehold, Borrower shnlll.'ol1lply with alllhe provisions tlflhe lc:asc
rr Borrower aC4uires fee title to the Propcrty. the IC<lschtJld and the fee title shall rInl merge unlc'is Lcnder agrces to tllc
merger in writing.
7. Protection of Lender's Rhchb In the Propert)'. If Borrower fails to pcrfllfl1\ the ~lIvenanls and agreclIJent~
...untaincd in this Security Inslnunent, or thcrc is a legal proct:cding that lIIay signilicantly alTect L"':lhJer's rights in the Properl~
(such as a proceeding in bankruptcy. probate, for conuemnation or forfeilure or to enforl,,'c law'i llr rcgulations), then LcnJcr
may do and pay for whatever is necessary to pmtcl.'t Ihe value uf the Prope:-ty and Lcnder's fights in the Property. l.enJer\
actions may include p~ying any sums secured by a liell which has priority O\..~r th!... Sel.'urilY InslrulIlt.'rH. appcari/1~ in ...ourt.
paying reasonable attorneys' fees and entering llll the Properly to make repairs, Although Lc:nder lIIuy takc JI.'llOI1 unucr
this paragraph 7, Lender does nol have 10 do so,
Any amount!i dishurscd by Lender untlcr this paragraph 7 ,hall hec\)Il\c additional debtor Bornmcr sC...1JreJ by tIll'
S~....urity Instrument. LJnlcs,'\ Borrowcr allt! Lemdcr agree Itl other lerms of payment. Ihc:se ;Il1l1HJlHs ,hall hear iOlcrcst frolll
the uate of dbbursemcnl at the Note rate and shall be pa)'ahlc. with inlereM, upon Ihlti"'l~ frolll I.ender to Bnrnmer relluestill~
pay melli,
H. ~It)rtaoge In:mrance. If Lendcr rClluired lIIortgage insufIJlll.'l.." i1~ a ...onditllln Ill' milking the Illilll SCI.'IHl'l! hy thiS
Sel.."urity Instrument. Btlrrowcr shall pay thl~ prel1llUmS reqUired (0 Illallltain Ihe Illortgage insuranl:c III dfe....l. If. for Jny
reason, the mortgage insurance coverage retjuircJ b) l.ellller laps\.'s or ...cases tll he in '-"feer, Borrowt:r shall pay the ph~miulll~
re4uired to ubtain coveragc ,'iUhSranllally equivalent to rhe l1lortga~t.' Illsurall<.:e previoll''lly in effcc(. ill il ..;osl ~lIhstarHI111I~
equivalent to the ....ost to Bmrower \Ifthe 1ll11r1gagc in,",ural1l.:l.' previou_sly in dfcl.'l. from all iIltertliltC l1lor1ga~l.' iJl~urer apprllH'd
by Lcnder, (f~ub~laruially C(luivalcnt 1I\()rtgagc in....ufarll.:e ...'l.......ragl.' IS llll[ avaliable, nt)rftJ\\l.'r slwll pay III LI.'ndert..'adllllcllllh
a sum cqual to lme-twelfth of the yearly 1t1On~a~c insuranl.'l~ prt.'IlIlUITI 1ll.'III!:! pUld hy BllrrtlWer when fhe insuran~l: ctlvcra~c
ItJpseu e}r t.:cased to he in effect. Ll.'ndcr \\0 ill iKl.'l'pl. usc and retain Ihc~1.' pUYlIlellt... a'i a Ill\s rcscrlJc III lil.'U Ilf 11Iorl~agl.'
IllSUrancc. loss reserve paYIllt:l1ls IIlay no lllll~,,'r he requlrl:d, at the llpliilll Ill' l.elllJer, if lII11n~ill.!e IIIsUran~1..' I.'llvcrage till
lhe amount and for thc period that Lender rl'qulrl.'~l nrO\lded hy an in,'iurer apprllvt:d by Ll.'ndcr i1l!am l't..'l.'oll1\.'~ ;I\iailahlc
Form 3039 9/90 'l"I~'c' ,1"11') IIII~I"I
--'11')'1 ('
b(;U~, ."'.,) f .t.t
:~b:J
un'J is obtained, (Jurrnwer shall pay thl: prl:rniunts r~yuir~d h) f1lainlam f1wnguge in~uranc.:..: 111 ~tlclo;t, or 10 pro\'ldl: u loss
rCI'l.:r\'c, unlil the requirement I'm mmlga~c insuranl;e ends in alo:l'llrdanl.'c Wilh illlY wrilten ugrcl.'IHcnt hclwecn Borrower
und l.ell~er or u!,plicuhle law,
9. ImtlH:ctiun. lcnder I.lr lis a~cnt may lTliJke reasonahle entries lIpnll and inspl!l'litln.\ nf Ihe Propl,my. Ll:ltller shall
give BlIrrow..:r "utke at the: tillle tlf m prlllr 10 .11I IIlSpCc.:1 illll spedfying rem~onablc l'ausc tilr Ihe lIlSpCClliln
10. CondemnilUon. The pWl.'ceds nf any award l)r 1.'lail11 fnr damages. t.1irel't or c.:onse4uential, in c.:onnct.:titln \vith
any l'onJemnalilln ur Illh..:r takin!! loll' any pun t)f the Prnpe:rty I l)r I'l)r l:llll\'cyanc.:c in liell t)t' I..'Onlien\lH.ltlon. arc IH:rl:hy assigncd
ulld shall h. puid IU Lender,
IlIth..: .:vcnt 01' a hllaltaking Ill' the Property. the proceeds shall ~ applh:d to the sums sel.:ured hy this Security Ir1.'ltnJl1u:nt,
wheth.:r or not then due, with any e:\('css puid to Uorrowcr, In (he eYelll llf a partial taking of rhe Property in which the:
fair market vulu~ Ill' (he Pn)pCrlY immediately h.:fnrc rhe takIng i.\ etlual II) tlr greater Ihan the anlllunt of Ihe sums sec.:urc:d
by this Sel.:urity Instrumcnt immediately hefon~ Ihe laking. unless Bonllwcr anJ Lc:ndc:r otherWise agree: in wriling, the sums
sCl:un:~1 hy this Sec.:urity Inslrulllcru shall he reuuccd by the amOllnl nf the- prol.'ceJs multiplied hy Ihe fllllowing fraclion:
fa) the totul amount Ill' the sums securttj immeJi:Hely bcfnrc Ihe taking. divided by (b) the fair market value loll' the Property
imll1edialely b.Il". Ihe laking, Any b"lal'c. ,hall he puid to Bllrrllwer, III Ih. evelllllf a punlalraking llf Ihe Propeny ill
which the fair l11i.1rkc:t value 01 Ihe PropC:hY illlnl.:dialcly he fore the laking is less than the: al110unt of th(~ sums secured 1m.
lI1eJi..IIely before the lakin!&, unless Borrower and L.ender otherwisc agree ill writing or unles,\ applkahle law OIhc:rwise pro-
vides, the proceeds shall be applied to Ihe slims secured hy Ihis Security Insrrull1ent whether or nOI lhe sums arc then due,
If the Property is ahantJoned by Borrower. llt if, after notice by lcnlh:r to Borrower lhat the condemnor oners to
make an award or se(tle a claim for damages, Borrow..:r fails to respond 10 Lende!' within 3D days after thc dale the noticc
is given. Lender is authorized to collect and apply th~ pnlCe,:ds. al its oprion. ~ithcr to restoration or repair of the Propeny
or to th..: sums securtd by this Security Instnlment, whether or not then uue.
Unless lc:nder and Borrower olherwise allrc..: in wrilll1g. any applkarion nf proc.:ecd!'i It) print:ipal shall nor extend
or poslpone Iht: due dal..: of the monthly payments referred [0 in paragr.lphs I and 2 or I.'hange thc amlHIlH llf such payments,
II. lIorrow.r NOI R.I.us.d; Forh.arunc. lIy I.end.r Not u WaivH. E,"en,ioll or the time ror payment or
l'hltlilkutUHl nf amortilalion of the sums ,~el.:ured by this Securhy [nstrument granted hy Lendcr ro any sUl.:l.'essor in interest
of Borrower shall not operate to releasc lhe lii.lbilily of the llriginal Borrmver or Borrower's successors in intercst. Lender
shall not be r':'1uired lil COr11menl;e proceedings a~ainst any sllccessor in intcrest or rcfuse III extend timc for paymcnt or
nlherwise modify amnrtil.ation of the sums sel.:urc:J hy this SCl'UrilY Inslrument hy rC:lson of any demand made by thc nrigiual
Borrower or Borrower's successors in interest. Any forbcaranl..'e hy Lender in e:~er..:ising :1I1Y right or remedy shall nor be
a waiver of or preclude the: exercise llf any right or n:mcuy,
12. Succ.ssurs and Assigns Bound; Joinl and Sevcrull.iuhllilY; Co.signers, The covcnanls and agreemems M
thi~ Security Instrument shall bind and bene tit the su('ce:ssors and assigns of Lender and Borrowcr, subJect 10 lhe provisions
of parugri.Jph 17, Borrower's covenants and agreements shall he JOInt and seyeral, Any Borrower who t:ll.signs this SCl'urity
Instrum,:nt but docs not exe:c.:U1C lh~ Note:: (3) is c.:o-signing Ihi~ Sel'urily Instrument only to mnrtgage. gram and I..'nnvey that
Borrower's interc.'It in the Property under the I..:rms of this S~curi(y Instrumcnt: (hI is not personally obligaled to pay the
sum." secured by Ihis S,:curity Instrument: and lc) agrces tlliJt Ll'llder and uny othcr Borrowcr Illay a~rce tll extend. modify.
forbear or make any al.'cOIllTlHlllatinns Wilh re:g:ud It) the rerllPi llf this SCI.'urity Instrument Ilr Ihe NOlc wllhmlltbal Borrower's
cnnscn!,
13, l.uun Charg~s. If the loan sCl..'ureJ hy fhls SCl.'Urlly Inslrument b slIhjec[ It) a Jaw whid. sers maximum loan
charges, Jnd Ihullaw is finally interpreted so that Ihe intl.'rcst or tnher loan I..'hargcs c.:ollc('lcd or III hc I..'tlllc(,led in t.'onnel.'tion
Wilh (he Joun eXl.:ec:d lhe permllled limns. then: la) any SUdl Itlan ..:hi.Jrgc shall he reduced hy the: amount nCl'es!'iary 10 redu('e
the charg..: to the permilted limit; and (hi any sums alrc~ldy CoIlCl'h::d from Borrower wtllc.:h eXt.'ceded permiuctllimits will
he refunded to Borrower, l.ender may chllose to make Ihi.. refund by redudng Ihe pnnt:ipi.ll owed under the: Note or hy making
a Jirect payment to Borrower. [f a rct'und redut.:es [Jnn;;ipal. thc rcdlll.'lioll WIll he In..'arl.'o as J part"ll prl.'payrnent WilhlJlIt
any prepayment I..'hmgc under the NUh..'
I". Notices. Any nOlicl' to Bnrrllwcr provilh..'d f..lr in llll.'~ Slo:l..'urilY [mtrurncnt ~hall ht: given hy delivcrlng it or
hy nlJiling it by I1r....[ das.'i mailllnle~s i.lpplit.'ahll.: Iilw n:quircs ll.'lt.' Ill' illllllhcr rtIclhod, Th~ nolll.:e: \hall he dirc('!cd III lht.'
Property .-\JJrcss or any IHht:r address Borrower de"'IJ:!llall...'S hy Iltllke III Ll.'noer, Any nnlll;e rn L.e:nder ....hall he given hy
tirst t.:Ias~ mail to Lender's address s(iJlcd hcre:lll or Jny IHller i1dtlrl.:s.., LClltkr dc.\ignare... h~ nntl<.:e!o Borrower, Any nlltice
pnlvidcd tilr in [hi.... SC":lIrilY In....trurtlcnl ...hall he dccrncd In have hccn Ylven {tl Btlrrclwcr \lr l.c.:ndcr whl.'n glvcn as prtHl\ded
In 1/11'\ para~ruph,
15. <<;u\'crnin~ L1W; S~\'l'rahility, TIllS Sel.'urll~' frl'tfrllllll.'nt .,11;111 hc !!o....cl'llL'd h:v t'edl.'r;d la\l, and Ihc law of Ihc
Illn~dH,:IIIHlIll whll.'lllhl' Prnpt:rty l~ Itll.';lIcd, In Il1lo~ C\'Cllllh;lI ,lilY [lrm'I~llln tlr dJu.,e llllhl\ SCl.'IJrlIY (n...lrllllh.:nt nr the Nntc
',:()llI:il.'h with applil..'ahlc law, 'iu<.:h l..'or111Il:1 ...l1al/ nil! illh:d Ilthcr pmVI\ltIll\ Ill' tllI\ "icl:uriry rn.'llrll/l\Cll1 or lhc NOll.' whlt.:h
l,:an he gi.....cn cft'e:l:t WilhlHl1 thc <':lln 11 1..:1 Ill!:! f1rll"I~ltH1. TII thb cnd Illl.' prll"'l~lllll, 'It' Illi." Se:<.:urrl;. IIlSlrlllllL.'fl{ and the Nllte
;ir~ dCl,,'larl.'d to he ;ojl.'....erJhle,
Ih, norrl)wu'~ C,.,)y. HUrrll'.\.t:r ,h;ill hl~ gl\ClIlllit: ~'llnfi)rnll.'d ":Ilpy Ill' I Iii.:' ~tltl.' .lfld ot thIS St:l.:UriIY InslrulIlenr.
Form J039 9~O '1'111(1' -I <I( tl plll(t'11
ll')3 :~~,)f)
V(j~ '.' I'm
17. Trun~r.r or Ih. l'rll\W,ly IIr . n.lI.n.lulllll.,.,1 III IIlIrru...,. If all ur any parlllf Ih. P'''perlY ur IIn)'
i"lCreM in it i5 sold or crnllsfl-rrc:Ll (or if a bcnclidal interest in Uilrruwcr is ",Ilt llf lransferred and Oorrower is nllt a nalural
peunn) wilhoUl lcnucr'5 prior WriHe" COn!\Cnl. LCl1llcr lIIay. lit ils lllllillll, rClluirc il1l1l1cuialc puyment in rull of all !l:lhl1S
:\ccurcd by Ihi:\ SccurllY 11I:\lrulI1enl. Jlnwc'Vcr. this u(1lilUl ~hillllllll he c~crl.:bcd h)' l.clIller if c.'\crdsc is (lnlhihilctl hy fellcrul
law as uf ,}Ie dale ur Ihi5 Security In,flilrUlIlCIll.
. If Lender exercises this l)pliun, Lender oshallgi\'c Unrnwwcr 1101ic.:c of a....cl.lcration. The notkc 5hall pru'ih.lc a period
of nullcl\s Ihan 30 llny!\ frurn the lIDIC Ihe nolll,:c is deli \Ie red llt mailed within which Borrower must pay all !U1I11!\ sCl:urcu
by thi! Security Inslrument. If Bnrruwer faib tn pay I!lese !iUIIlS prior 10 the expiration ur this period, Lenucr muy invoke
uny remedies perrnitlcd by thi!l Security InMrUI11Cllt withuut further 'lluke ur demand on Burrower.
18. Borrower's RiKhllo Reln~lale, If Ih)rru\\cr mcets ccnain conditilllls, Borrower !ihall have the righlto have
enforwn.nI or Ihi~ Se.urily In,lrum.'1I ~i'~"nlinued 01 any lime prior 10 Ihe earlier of: (a) S day' (or ,uch olher !",rio~
o~ appli.nhle law may 'pe.if)' for reinSlalement) before ,ale of Ihe Pruperl)' po"uonllo any power uf '01. conlaine~ in 1111'
Securit)' Ins,rumenl; or (b) entry of a judllmclII enforcing this Security Instrumenl. Those conditiuns arc thllt Borrower:
(a) pay' u:n~er all ,um~ which Ihen would be: due un~er Ihis Securily Ins!rum.nl IIn~ Ih. NOI. a" if nu occderalioll ha~
occurr.d; (b) cure, any ~efauh "I' any Illher ~ovenan" or agreements; lc) pll)'S all e,'pense" in.urrc~ in enforcing Ihi, Se~urily
InSlrum.nl. indu~ing, bUI nol Iimil.~ 10, rea,unable allurney,' fees: and l~) lakes such aClion a,' Len~er may r.asonably
require to auure Ihal the lien of Ihis Security Inslrument, Lender's right." in Ihe Propeny IInd Borrower's nhligaliun to pay
Ihe 5ums secured by this Security Instrument shall continue unchanged. Upnll reinstatement by Uurruwer. thi!l Security In.
'Irumenl .n~ Ihe ubligalion, sc~ure~ hereby shall remain fully eff.cliv. as if no ac~el."'lion ha~ occurre~, Bowev.r, Ihis
right 10 r.inSlale ,hail nol apply in Ihe case of accel.rolion un~er paragraph 17,
19. Sol. or Nule; Chang. ur Loun S.rvk.r. The NOle or a poniai inlerest in the Note (togelher wilh Ihis Se.urily
InSlrumenl) may be sol~ one or more limes withoul prior nOlice to Burrower. A sale ma)' resuh in a .hange in Ihe emil)'
(known a~ Ihe "Loan Servicer") Ihal colle~1S momhly pllYlllents ~ue under Ihe NOle un~ Ihis Se"urilY In'trulllelll, There
also may be one or lIIore changes of Ihe Loan S.rvi~er unrelale~ 10 a sale of Ihe NOle, If Ihere is II ~hange of Ihe LOlln
Servicer, Borrow.r will be giveo wrillen nOlice of the change in accor~ance with paragraph 14 above an~ applicahle low,
The nolice will slale Ihe name an~ a~dress of Ihe new Loon Servicer an~ Ihe addr.ss 10 whkh pllymenls shoul~ be ma~e,
The nOlice will also conlllin any olher informaliun require~ by applicable law,
:ZOo lIazardous SubSlunce!. Borrower shall nut cause or permit the presence, use, disposal. storage. or release
or any Hazor~ous Subslances on or in Ihe Propeny, Borrower shallllt" du, nor allow an)'one else lu ~o, anYlhing affecting
the Propen)' Ihal is in viollllion of any Environmenlal Law, The pre~eding Iwo senlen.es sholl nol appl)' 10 Ihe presence,
use, or storage on the Propeny of small quamilies of f1azard"us Substances Ihol arc generally recognilC~ 10 b. appropriate
10 normal resi~enliul uses on~ 10 maintenonc. of Ihe Propeny,
Borrower shall promptly give lender wrinen notice of any investigation. claim, demand. lawsuit or other action by
any governmemol or regulatory agency or privale pany involving Ihe Propeny an~ any f1azar~uu, SubSlan~e or
Environmental Law of which Burrower has actual knowledge. If Burrower learns. or is notified by any governmental or
regulatory authority, that any removal or ulher remediation of any Uil/arduus Suhstance affecting the Propeny is necc!isary.
Borr()wer shall promptly rake all necessary remedial actions in aCl.:ordance with Environmental Law.
A~ use~ inlhis paragraph 20, "f1azar~ous Subslances" arc Ihose sub"on"es define~ as 10xic or hazardous subslan~es
b)' EnVlronm.nlal Law an~ Ihe following ~ubSlances: gasoline, kerusene, olher flalllmoble or loxic !",!roleum produ~IS, loxic
pesticides and herbicides. volatile solvents. materials containing ashestu'\ or forllluldehyde, and radionctive materials. As
use~ in this paragraph 20, "Environmelllal Law" lIIenns fe~erallows and laws of Ihe Juris~icliun where Ihe Property i, locnle~
thac relate to health. sofcty or environmental proteclion.
NON,UNIFORM COVENANTS. Borrower and Len~er further covenanl anl! agree a~ foJlows:
21. "...I.r.llon; Rem(dirs. L.nder ~holl Mlv. 1I0U.e In Dorrnwer prior In o...leroUon rullowlllll Uorrower'~
bn..h or any .ov.nanlor allr..menlln Ihl~ S..urlly ",.Irum.nl (bUlllol prior In u...ltroUon under p.r.Mr.ph 17
unless .pplieobl. luw provld.. olh.rwl~.). L.nder shull noUfy Dorrower or, .mo,'1I olher Ihing.: lut Ihe d.r.oll; (b)
Ihe a.llon requind 10 .ure Ih. d.roull; (.) wh.n Ih. drr.ult mu~1 be .ured; .nd (d) Ihal r.llun 10 eun Ih. ddoult
IU ~p.dn.d muy r..ollln a...ler.llon or Ihe sum. ...,ur.d hy Ihl. Securily Inslrum.nl, rordn.on by Jodldal prouedlnll
and ~al. or Ih. Pruperty. L.nder .h.1I rurlhtr Inrurm Dorrower or Ih. rlghl Iu r.ln~lul. uner u...lerallon .nd Ih.
nlhllo B.\'lrrt in Ih. ror..,lo.ur. prouedinlllh. nun-utsl.II'. or II dduolt ur allY olher dd.n-,' or Dorrower III ....I.raUon
IInd ror..,lo~ur.. Ir Ih. deraulll~ nol cund us spedn.d, I..llder 01 11" option m.y requh. ,lI1medlule paym.nl in roll
or all sum~ ~..und hy Ihi~ S(.urlly In~lrum.1II wllhoul rurlh.r d.mond and m.y rundos. Ihi. Se.nrily In,lrum.1II
hy Judldal pro"..dlnll' I..nd.r sholl he .nUII(~ 10 eull..1 all .xp.ns.. III.urr.~ ill punullllllh. nm.dl.. provld.d III
Ihi. parollroph 21. Indodh'll. hol nOllimll.~ 10. '"lorll.Y" r... olld .0'1~ or UII. evld.n.. IIIlhe ..1.111 \WrmJlI.d by
opplieabl. luw,
Form 3039 9110 II'..~,. 1 "f" /,III(',IJ
~~ud 183 mE :Wl
t'-
,,'.:)
.....
~n
12. ReleaH. Upon paymenl of all sums secured by Ihis S.curilY Inslrumenl. Ihis S.curilY Inslrumenl and the ..tate
conveyed shalllenninale and become void, After such occurrenc.. Lend.r shall disch.rge .nd s.lisfy Ihis S.curily Inslrum.nl
wilhout charBe 10 Borrower, Borrower shall pay any record.lion COsIs,
23. Walven. Borrower. 10 Ihe eXlent pcrmllled by upplic.ble law, waivC5 .nd r.leases .ny error or def.cls In pro.
ceedingo 10 enforce Ihis Security Inslrumenl. and her.by waives Ihe benefil of .ny presenl or fulur. laws providing for st.y
of execution. exlension of lime, exemplion from allachm.nt, levy and sale. .nd homestead exemption,
24, Reinstatement Period. Borrower's lime 10 rein"ale provided in paragraph 18 shall exlend 10 one hour prior
10 Ihe commencement of biddina al a shelifrs sale or olher sale pursuanl 10 this Security Inslrumenl.
25. PurehlM Money Mortaaae, If any of the debt secured by Ihis S.curlty Instrument is lent to Borrower 10 acquire
title to Ihe Propcny, Ihis Security Inslrument shall be a purch.se money mongage,
26. Inlerest Rale After Judament. Borrower agrees Ih.llhe inleresl rale p.yable .fter a judgmenl is enlered on
Ihe NOle or in an aClion of mongage foreclosure shall be Ihe rale payable from lime 10 time under the NOle,
27. Riden to this Security Instrument. If one or more riders are execuled by Borrower and recorded logetber
with this Security Instrumenl, the covenanls and agreemenls of each such rider shall be incorporaled into .nd shall amend
and supplemenl the covenants and agreements oflhis Security Instrumenl as iflhe riderls) were a pan of Ihis Security Inslrument,
(Check applicable box(..))
rID Adjustable Rale Rider I1D Condominium Rider 0
o Graduated Payment Rider 0 Planned Unil Developm.nt Rider 0
o Balloon Rider 0 Rale Improv.menl Rid.r 0 Second 110m. Rider
~ Olher(s) [specify! RIDER TO PAflAGHAPII 18 AND EXH1BI'l' A
~y SIGNING BELOW Borrower acc.pls and agre.s 10 Ih. lerms and covemlnls conl.in.d]'n Ihi' SecurilY (nwumenl
and l' a y rider(s) exeeut:a y Borrower and record.d with il. I ~
~ts /J/(f'...... .. ..W~L.... ,..B,dt,~~..", ,),.~~,t.. .............,....,(Se.l)
I r~ RICIIARD L PI BEL -Borrower
I Social S.curily Numb.r......,..................,....,..........,..,..
.I,......................, ,....,.... '" ......,..............,.., ,............",......,........"....",..,......"........,..........(S..\)
\ -Borrower
\
1-4 Family Rider
Biweekly Paymenl Rider
Socil.Jl Security Numhcr.."..."""
. (SPice BIlow Thl. Line For Acknowlldgmlnl)
. (,:,9~~l)NW];;^LTII OP PENNSYLVANIA, CU~IBERLAND COUNTY SS:
. "l-'".... .:Ph/this, the 22nd day of Harch, 1993, before me,
,. ,,;;,,':cne . r:id.e\signed ot ficer, personally a[Jpeared Richard L, Fishel known to me
it.;'[~~.(or.'l!a};~!l'factorily proven) to be the person whose name I~ subscribed t
. : thllrl'tit~fh, instrument and acknowledged that he executed the same for the
,..:'..?pur . s:e...,~erein contained.
-"I'.'r,',;' \: ....' '.
"~;ij-p~,:i'N?~S \oJHtl1,t
.' .
''''T'', ' Wl ' /;,
Notary Public
I
'l10RK FEDERAl, 'tNGS MID LC'MI I\SSOCli\'['rrJN
liO J SOU'l'H GCORGE STRECT
Y(}[(K, PENNSYLVANI 1~7401 . __.-.'"
#~/ - -----/
Pre[lared iJ'J ,_ ,dJ~~~-'
.~ ---
'I hereunto set my hand and official seal,
NOTARIAL SIAL
HEFHANIE E, WITMER, Norary Public
ll...rri;i!:.IJlg, OJlJphln County, Pa.
1_/ o":cmll1l_!h.Hi E~plros July 5, 1993 ,
.-.- -"--' ...--.-.---
Form 3039
9M rplJllt' Ii 11/6 plJ~'J'
'\
"
,I!eIlRED , ~Nr ~"~~;;FFn'
, t ' ''I ~O ' \~):)
I fir
....J ')3 1)n)
I:JU~ .'~ P,ICC: ,...i,
.
EXIlLUl'l' ^
^LL TII^T CEIlTIIIN dwt!11 Lng unit. uitu"tcd in 8un911ild
Condominium, Upp'~r ^) I~ll Townohip, C\unlJcdand County. Ponnllylvania.
designated aD Unit No. 1000-12, In the Declarotion and O~claratLon
Plan or S/lllgULld CondominIum. d~ted Uec~mber G, 1979. and November
29. 1979. rCRpectively, recorded Decomb~r 12. 1979, in cumberl~nd
,County Mue. n,)ok 249, 1'''ge 704, and Plan I)oole 37. 1-'41/e 23.
reQP~ctlvelYI Amendment to the Dcclaratlon anrt DeclAration Plana
of Runl/ulld Condominium both dated Vebruary 20, )906. both recorded
March 31. )986, in cumberland County MiRe, Book 315. Page R04,
and Plan Book 49. Payc 129, rCRpectively; and Second Amendmant
to D~claration of Sungulld Condominium dated May 25. 1900, recorded
June 8. 1906, in Cumberland County MiRa, Book 350. Page 753. under
the provlllion~ of the Unit Property Act ol the Commonwealth of
P"nnBylvolni~ IAct of July 3. 1~63. P.L, Nu, 1961.
TOGETHER with all right of title and interest of, in and to
the COIM'on l::J ...mente 1111 ",ore Cully set ,!ol'th in the afore.aid
Oeclar~tion af Condominium and Declaroltlon Piano. aD amended Crom
tlme ta time.
UNDEH AND SUDJECT to ~a8emcntB. covenant~. re.trintion..
re..rvatiooK. and rights-of-way of record.
BEING THE SAME PREMIS~S which John D, Kru10ck and Kar~n Ann
Kru1ock. formerly Karen Ann Pric~, hie wlfe, hy Deed dated January
l~. 1991 and recorded January 22, 1991 ill the Recorder of Deeds
Office in and for cumberland County, Pennsylvania, in D~ed DQok
34-Y. Page 395, granted and conveyed Ullto Archie V. DivcgIJ.a,
Blngle man, grantor herein.
Being~he .}j~ premises which Archie V Diveglia by deed dated thelZrdday
of ,1la.(LrI . 1901 ~ and recorded in the Office of the Recorder of Deeds
for Cumberland County. Pennsylvania on . 19 granted Bnd
conveyed unto Richard L Fishel. mortgagor herein,
tuU/, 1 t:~3 -,ICE 2!J3
,~~".~.
TillS ADJUSTABLE IlATE IlIlJEll IS 1lI11L!. 1111' 22nd day "I March 1993. 111111 IS
jRl.:mIKmll~'" inlo Lind shull h~ L11.'~1I1l,.'J 10 ullh..'nJ lllld sUl'pll.'lIh.'lIllhl.' MiHl~PIJ;l.'. Dl.'l.'J lit' Trust, or Dl'l.'J to Sl.'cur~ Ucht (lhl.' -SecurilY
Int~lrulllclIl.) ur Lhe !'Ium~ dllh~ I:ivl.'n hy Ihl.' unul.'rsiJ;lteJ (lhe "Bllrlll\llcr") to !'Il.'LUrl.' Ilurrower's Al.ljuslahlc= Rull.' Noh: (1111: "Noh:")
10 YORK FEDERAl. SA VINGS ANI) I.OAN ASSOCIATION (Ihe "LeIlJe") III' Ihe ""l1e Jal. al1d cllverillg Ihe I""pclly dc,crihcJ
in Ih. S..:urity In,trument OI1J !lIcal.J ot:
640-12 Geneva Drive Mechanicsburg, PennsylviJnia 17055
Al>.IUSTAnLE I('\TE I(IJ)EI(
lI'II'"rll)l.t./.ItrUI
The Nule clIllluin" pru\ i~iull" nlluninJll'ur duUlU~ in the inlenos' rnle. II' the inlcn~t rate
increus~. the Uurru\\cr's I1UHllhly payments ",ill he hiuhcr. II' the illtcre<ril rate d\'(rcIL~l'S,
th. Bllrrow.r', mlll1thly puymcl1ls will h. IIIwcr.
ADornONAL COVENANTS. In luJJitiol1 In the ~()VCnLllIls IUH.l ail:n.'~men(s lHaLJ~ in the Security Instruu1t:nl, Borrower nnd LenJ.:r
further cov.:nnnt and Agree as follows:
A, INTEREST RATE AND MONTlII.Y I',\YMENT CII,\NGES
Th.: Note provitJe=s for an initial int.:rest rat~ of 7 ~ 000 I.;~. S-:ction" of the No(~ provides fur chuna:es in the intcr~st rule 11111.1
lh. monlhly poym.nl., as (ollows:
4, INTEREST RATE AND MONTHLY I',\\'MENT CIIANGES
(AI ChulIHe Out",
Th. II11.r.sl mle I will pay may c1llll1g. ""lh. litsl Jay "I' AprIl . 19..21.., allJ on Ihat Jay "r
the munth every 12 lIlonths there.lIler. E.lCh J,ltc on which my intc:r~sl rate could chonlle is culleJ B. ~Chnl1~c
Date",
My II1onlhlyraYl11clIl may chang. on Ih. li,sl day "I' May , 19 94. QnJ on Ihal Jay "r Ih.
month ev~ry 2 months Ih~n..'afl~r. Each uate on whidlmy monthly r"YIl1~nt could dUlI1l;C i!'\ cllllt!d:l PaYII\l..'Ut
ChQIIUo Dal.,
(B) Th. IlId.,
Bel:inninl; with the first Change Dale, my Interest rale \ViII be hased on un ., Inul!.'t ~. Th~ InJex i~ thl! "Natiunal Average
Conlract Mortl:age: R.lle for the Purchase of Previously OccuPlc.:J Homes hy Comhmeu Lc:nr.Jers" published by the Federal
Housing Finance SmUll The most r~ct:nt Imlci\ ligurt: availahle: :IS of ,15 days hdon: ea..:h Chang~ Dale: is call~d tilt.: ~Currenl
Index",
It' th~ ind~x is no longer a\'ailahl~, the Nolc IlolJer will I:hoo:-;r.- a Il~W inJe.' which is hased Uprlll comparahle information.
The NOh: HoJder will givtl me nOlic~ of its d\Oh':C,
Ie) Culeuluti"n "I' ChallH'"
Bdore ~ach Chang~ Dilte, the NOle HoIJc.:r Will cakulatl.: lilY new mh~rel'it rale.: by .II..1Jing 2.000
pen:entage points (2.000 %) [0 the Current II1lJex. The: sum Will h~ my new lIHer~st rut.e. My interest mle \.I, ill
nol b~ changeu hy more than 1.750 ._ percentage pOllllS on any Chan!;\: Dillc. My inh:rest rate will nol h~ ..:hangl:J
hy mor~ thun 6. 0 r~rcenlage pUlnls ovc.:r Ihe lift: of my loun.
The Note Holder willlhcm d~lermlne the amount I)f the lIlonthly paYl1lent that would he sufficient to n:pay in full th~
principlIllhllll ,1111 t;!XpcCleu to owe 1m (hI.! Change Dale In ,"Ilhstanlially <l\u:'11 payments hy the IJHlturity Jate almy new il\tl!re~t
I'ate-, The result of lhis cakulation wlil be the new .1Iumlnt ot' lilY lIll/luhly pa)'m~nt.
(D) EI'fl,<ti.. Datc III' CI"'''Hc"
My neW intt:rest rale Will hel:I)n1C clrc:ctl\'~ 1111 c.:al.:h Challg~ D.It\t. I will pay thl: :lll1l)unt of my Il\tW monthly (1;1)'11I1.:111
hcginniny on Ihe first mlllllhly payment dillc altl.'r thl! c'hallg~ Dale unlll th\t all1llunt of my mOllthly paYI1l~nt dlall~o.:~ .lg:lIll.
IE) Nutie. "r Chllll~l'S
The Note Hold,",r ,,""I mil II or Jdl\'cr to IIIl.: 1IIlIlIIC\! hdore t:a,,'I1I)aYlllclIl Challg...' Illh.'. Thl...' nollce v.ill ad\I"': 111'2 {It.
Ii) lh~ new Intcrl'...r rate un my 10al1 as tit' 111::.' Chall~L' I)all!;
(lit the anhHIIH of my monthly raYl1ll'nr fnllll\"IIl'! 111,,' Cl1afH.'e [hll';
af1~' ;lddilll'll:tlllLlllt'''" ,.\111. II lh.' ~:.r..'!1 'lo1"r I' ""11111 j '., 011" !.",.
II lender lh:rcrmlncH Ihal all or II ,llIrl of th..: PUlpcrry is suhjt:d to R lien ",h, IIIU)' K!lalll I I'rillllry Il\~r Ihl~ SCl:llrily
IlIfitrulllcnl, Le:nd~r shall a:ive Bnrrowt:r a notice idl'nlifyillg such Ii... II , Umwwcr shull sluI/if)' HUl'h lien Of luke one or more II" Ihe
ndklll~ sel ~'t)flh ahove within t~n duys of tht Hi"illl:: of the notice.
Co NOTICE
LJIIIIIJIIII Covcnunt I.' uf the SCl.:Urily IlIstl'UI1ICllt is .ullI:ndcd to rcad ItS llllh)ws:
I". NClIil:f, E'cepl fur uny Ihllllo'C n.,'lluirctlunJer I1pplkahh: law to he given in nnolher manlier, (a) allY nolice 10 nnrrnwcr I'lllvi\lcd
hlr Ifl Illi" S~t.:unt)' In:ilrunu:nl shall he iliven hy delivering it or lIU1ilini,t it hy firsl Ch"'\K muil tt) UnrroIJ..er at lilt.: 1.,Opl...ly AJdh'"''
or al sud. ulher lu.ldrcs5 1&5 Dt)rrowcr muy uesilll1uh: hy notice cu Lender as pwvidcu ht!rcill, Dud th) IIIIY nolice to L.~IIJer !illilllllt.'
,ktlven hy firsl c111!SS moil to Le~uh:r's ,uJurcs8 slaled ht!reln or tu such ulhe:r address a."i Lender nmy de:siw:nu1e hy nl)li..:~ to Borrower
II," rmvll.led hert!In. Any notice: provided for In Ihis Sel.:urity Instrumenl shall h~ uet!n1~d 10 III.t.vt: been ttive:n II) DOl 11)\\'1:1' or I.t.'nder
\\hel1 .!liven in Ihe numner dcsiannlru herein.
I), UNifORM SECURITY INSTRUMENT; GOVERNING LAW; SEVmAIIILlTY
Uniltlfm Co\'enanl IS of the S~urily Instrument IS amended 10 re:l.1d as follows:
15. l1nifurlll St'\'urhy Instrwn~nli GuvcrniuA: law; Sc",.'ruhilily. This form of Security InslnJl1le:nC combinl's uniform ":OVl'IWl1ls
for nalional u~c: and lIon.uniformcovt!nants wilh limited varlalions hy jurisdiction 10 I.:onslicult: a uniform security in~lrUII\l'lIll:oVl'l inJl
,..1 properl}, This S""urilY Inslrumenl shall he ~ovemed by reder.IIIM and the law of Ihe jurisdictioo in which Ihe Plopelty is
IUClIle-d, In Ih= e:VCllt that any provisiun or c;lause of this Sc:cunly Instrumc:nt or the N(lle conOids with applicable );lW, ~u".'h cunllict
l'ihllll nlll i\ffl'cl othcr pruvi.~iuns of thl~ Security Inslrum~l1r or the Note: which can he: given effect withoullht! cOllllklinl: I'fUvi"icll1.
und 10 tIllS ":IIJ the pl'Ovisions of thili Security In!'ltrumcn( and Ih~ Note: arc: t.ledarcd to b~ severable:.
E. TIlANSI'EH OF TIlE I'HOI'ERTY OR ,\ BENEfiCIAL INTEIU:ST IN BORROWER
Ullifol m Cl)\!~l1iH:; I i of the St!curily Instrum~nt IS um~l1d~d 10 re:au as follows:
17. Tnlll"rl!r IIf till' I'l'lIp....rly nr u DI!IIt:licialllllcrc."it in l1orruwcr. If IIIl or any rmrt of the Pror~lty \Ir 1111 inh,'n'~llhcr..~1I1 t," SII!.1
01 Irnnsl~n~d (01 it' a h~ndh:ial inl~ft:st in Oorr()w~r IS sllld or transferred alld Borrower is not a naluwl p..~r!-i()nJ WlllllJul L":lIul'r'"
prillr \\o'nllcn COIJ.'iCnt, lender rnllY, at lender'!\ option, ucdilre all the sums .secured by Ihis Sltcurity Instrument to h~ illl11J,'dl;tldy
dut.: :JIHJ Pll)'ahi..:. I:owev~r, thisoptinn shall not he exercised by Le:mh.'r ifexcn:isc is nut 3uthor1zlJd hy Fed~",1 !Jw,
If l.cl1lh.:r c:H.'r(,'i,o;cs sUl.:h option to lIc(,'e1emtt!, lC/lI.h:r shall mail Oorruwcr notice of al.:Celer:llion in a"':l.:Ofd:llh'c ',\'Ith ptlrnglaph 1,1
11":1":01". Su..:h nolkc shull provillc a pt!riod or noC It!s~ than 30 days from Ihe U:ltc: the noti~c is rnalleu within wlw:h UorroVl cr lIIay
Pll)! the sum~ uedllrcd due, If Borrower faili to pay such sums prior 10 the e.'(pirntion of SUl:h pt.:tlllU. Ll'nJcr In:I)!, '\'ithclllI rUlllwr
1I011\:c t'r JcltHmd on Borrower, IIlvoke any remcdies pcrrnitl..:J hy paragraph I S h~rcl)r.
NOlwlthstanclillU a salt: or Imnsfer, Borruwer will continue to bl: ohligalcd uoucr thc Nole and Ihis SCIo'unly InslrUlllt.'l1t unl..:~s 1.L'IHler
ha'\ rcll'uscJ Bnrfll\\iCr in writing,
!" I.(),\N CII,\RGES
II the lonn secureu by the Sc=curity Instrument is suhJl:cC to a law which sets Illllximu01loon ch;ugc!l:, and Ihat law i.o; linallJ' 11I1,"lpll~lr'd
!'n thllt the: illh:re:st ur tJlhcr loan charge!; cullcctc:t.I or h> hI: cullcctt!u in conn~ction with Ihe loan e:H:t:..:u permitted limit:;, lli..:n: (J , :my
such IClan charge will he reduced by the amount nl.'ct:ss,IfY to rcdul.'t: lht: charge to the p~rmiltt.'d limit; and (~) any sums ;,lrl.'aJ)'
l.:ollclo'tcd "rolll B()rrower which exct'cdcd pcrmitted lilmts will be refunded to BC)rww~r, Lt!lIdcr may choose: 10 "HIke tillS l\..'fUlld h)
recluciny the principal owed unu..:r the Note or by making a Jircct payment to the Borrower, ,If a refunu reuuce~ prilll.'l!,.11, th~
redudloll will ht:: trt.::tte:,1 as a parti,,1 prepayment unJer the Note.!,
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A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entitles or agencies being entitled to receive a part of
the proceeds of the sale received and to be disbursed by the Sheriff (for example
to banks that hold mortgages and municipalities that are owed taxes) will be filed
by the Sheriff within thirty (30) days after the sale and distribution of the
proceeds of sale in accordance with this schedule will, in fact, be made unless
someone objects by filing exceptions to It within ten (10) days of the date It is
filed. Information about the Schedule of Distribution may be obtained from the
Sheriff of the Court of Common Pleas of Cumberland County, Cumberland
County Courthouse, South Hanover & High Streets, Carlisle, Pennsylvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE
OF YOUR PROPERTY.
It has been issued because there is a judgment against you. It may cause your
property to be held to be sold or taken to pay the judgment. You may have legal
rights to prevent your property from being sold or taken to pay the judgment. A
lawyer can advise you more specifically of these rights. If you wish to exercise
your rights, you must act promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland
County to open the judgment if you have a meritorious defense against the
person or company that has entered judgment against you. You may also file a
petition with the same Court if you are aware of a legal defect in the obligation or
the procedure used against you.
2. After the Sheriff's sale you may file a petition with the Court of Common
Pleas of Cumberland County to set aside the sale for a grossly inadequate price
or for other proper cause. This petition must be filed before the Slleriff's Deed is
delivered.
3. A petition or petitions raising the legal issues or rights mentioned in the
preceding paragraphs must be presented to the Court of Common Pleas of
Cumberland County at one of the Court's regularly scheduled Business Court
sessions. The petition must be served on the attorney for the creditor or on the
creditor at least two business days before presentation to the Court and a
proposed order or rule must be attached to the petition. If a specific return date
is desired, such date must be
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 96-1783 Civil Term
vs.
RICHARD L. FISHEL a/k/a
RICHARD L. FISHEL, JR.
Defendant
Action in Mortgage Foreclosure
ORDER
AND NOW, this k day of June, 1996, upon consideration of Plaintiff's
Motion for Order Directing Service of the Sheriff's Sale Notice to lien holder
pursuant to Rule 3129,2 and affidavit in support thereof:
IT IS HEREBY ORDERED that Plaintiff is authorized to serve the Notice
of Sheriff's~le upon the lein holder Sunguild Condominium Association by
advertising notice of the sheriff's sale one time only in the The Patriot Evening
~ and the Cumberland Law Journal.
IT IS FURTHER ORDERED, that service in the above-described manner
shall constitute full and competent service under the Pennsylvania Rules of Civil
Procedure.
BY THE COURT: '
Judge
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4.
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of
the proceeds of the sale received and to be disbursed by the Sheriff (for example
to banks that hold mortgages and municipalities that are owed taxes) will be filed
by the Sheriff within thirty (30) days after the sale and distribution of the
proceeds of sale in accordance with this schedule will, in fact, be made unless
someone objects by filing exceptions to it within ten (10) days of the date it is
filed. Information about the Schedule of Distribution may be obtained from the
Sheriff of the Court of Common Pleas of Cumberland County, Cumberland
County Courthouse, South Hanover & High Streets, Carlisle. Pennsylvania,
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE S.ALE
OF YOUR PROPERTY
It has been issued because there is a Judgment against you, It may cause your
properly to be held to be sold or taken to pay :he judgment, You may have legal
rights to prevent your property from being sold or taken to pay the judgment. A
lawyer can advise you more specifically of these rights, If you wiSh to exercise
your rights, you must act promptly,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland
County to open the judgment If you have a meritorious defense against the
person or company that has entered judgment against you. You may also file a
petition with the same Court if you are aware of a legal defect in the obligation or
the procedure used against you.
2, After the Sheriff's sale you may file a petition with the Court of Common
Pleas of Cumberland County to set aside the sale for a grossly Inadequate price
or for other proper cause. This petition must be filed before the Sheriff's Deed is
delivered.
3, A petition or petitions raising the legal Issues or rights mentioned in the
preceding paragraphs must be presented to the Court of Common Pleas of
Cumberland County at one of the Court's regularly scheduled Business Court
sessions. The petition must be served on the attorney for the creditor or on the
creditor at least two business days before presentation to the Court and a
proposed order or rule must be attached to the petition, If a speCific return date
is desired, such date must be
REAL ESTATE ~JII.i: I ~u. ' .
:,!!W; tf~ 00 II
On (9tc >-Lo I 3, I (1~" thesheriftlevled upon the def[ln('=!f, '.
Interest In the real property situated In ~(Cc._ \.fcl'.'J.'....cy....r'
Cumberland County, Pa" ~,nown and rllJli11)'~I'(Jfl :.IS: k.i.JL~j,.2~G.~<'~ ,a,
J } Lu \l ('6 and rrl:)re [d:y '! ~ ",<:11["': :,; C /! Iliiil "1\" fIIod \' J;;
thIs writ and by tllis rC[l,(I;I;I;,' :!:'>'!! "." ~1\;r.:in,
C~tc: ~ I .3 ' (I It,
c;: (J / I "t~ori!' aCf.~.n.-
ALl &. . '- /J'r-t
\1/:'1','/,'11, ',Ii 113.1
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,
96. IIV in 01 EI Hnr
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44Ilt:il.. ,.0. Jv ";;I~.:lO
Proof of Publication of Notiee in The Patriot and The Evening News
and The Sunday Patriot-News
t'ader .'d Ko. U,. Al'pro\'ed l'lar 18. 1828.
('ommo'!wtaltll of Ptnn~/llvnni(l,} ,
(Dlmty of Dauphin ,'.',
....,......,....,..........k)Js,h.<:',!-!,!....\1,\~Ir.,Q.li....,....,..,.......... ,..,beinlf duly sworn according to law. deposes and says:
Asst. Controller
That he is the ..........,........,....,..,of THE PATRIOT .I'(EWS CO., a corporation orllanized and existing
under the laws of the Commonwealth of Penns)'lv8nla, with Its principal office and place of buslnen at
812 to 818 Market Street, In the City ot Harrl.burlf. ('ollnty ot Dauphin, State of Pennsylvania. owner
and publisher of THE PATRIOT and THF. EVE!'iING NEWS and the SUNDAY PATRIOT. NEWS
newspapers ot genersl circulation, printed allll Pllhlished at 812 to !l18 Market Street. In the City.
Countf and State atoresald; that THE PATRl0T and THE EV~;NING NEWS and the SUNDAY
PATRIOT. NEWS were established March 4th. 18M, and February 15th. 1917 and September 18th,
1049. respectively. and all have been continuously published ever since;
That the printed notice or publication which is securely attllched hereto Is exactly I\S printed and
published In their relrlllar editions and issues which appeared on the ..,~,~,t.!},.."\i!.Y...,,,'.L,~,\W,!-!..J.~,~,~..
..................................................................................................................................................................................,.,...
That neither he nor said Company is Interested in the subject matter of said printed notice or adver.
tlslng, and that all of the allegations of this statement as to the time, place and character ot publication
are true; and
That he haa perftonal knowledge ot the facts aforesaid and is duly authorized and empowered to
verify this statement on behalf of The Patriot.News Co, aforesaid by virtue and pursuant to a resolu-
tion unanimously passed and adopted severally by th('stOCkh. o. I.de rs nnd, board of directors ot the .ald
Company and subsequently duly re.:orded in the otllce to re Reco~ding of Deeds in and for said County
of Dauphin In )\i.....II.n...u.. R....k "~", \'..Ium. II. P'OI'~! lL i Ie '
~~"t~~~~ ".....".....",.",V..."",.?.\v661ti:.J,.",..."..,.."........,.,..,'..""
I r:L.._w_.,,- .. . 1", t
, -YiII_LDTAun",,_..._ Sworn to and subscribed before me this ......,............,day of
: _ot_n_..._._.. July 1~'i6.
---......-..-.. ...'......,....,.. A, D. '::a' '^';fo' ., ' '/
' ..............,......"".._..... .... ,...~ ,', t
,_ ,......d. ..,....r.r1\.~,' Ohl '..bOo....,.. ............
,...,....CWt.,~...~ H.'r~llbu'9. r'.luctun N<<a~ blit
_~."~..... . . M1 COUl~I(J11 El~Wt'5 Jur,tI6. llj'8
: T"tcn,~~--arA''''' My comrnl831On ex ,~'.".~"T'rot,...
I i~~.- , Statement of Advertising Costs
, .' ~ _.~_... yc:~.~'r~':'~.~':.f;~~..~,;.~J).:;~~.t:':.!,..,0,~.~,~:..:....'!,~:X'J.~;,..(:nd"rs(Jn
To THE PATRIOT.NEWS CO,. Dr.
For publishing the notice or publication attached hereto on the
above stated dates - .....,..,..I.I:i,..a,~..,
Probating same ...............J,:,~!,~~...
Total ..........l,~,?,:,~.~,..
Puhlisher's Receipt for Advertising Costs
THE PATRIOT-NEWS CO,. "ubli.her of TilE PATRIOT and TilE EVENING SEWS and the
SUNDA Y PATRIOT.NEWS. new.papers ot I(enl'..al circulation. he..eby Rl'knllwl,'dl(e reeefpt ot the
aforesaid notice and publication costs and certifles that the S811le have been duly paid,
TilE PATRIOT-NEWS CO.
Ry