HomeMy WebLinkAbout96-02272
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HARRIS SAVINGS BANK, formerly
HARRIS SAVINGS ASSOCIATION,
plllinti ff,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
vs.
.....
NO.: "", jj ,'.. civil lS$1 I';"'"
LEROY H. RUFF and PAULETTE
M. RUFF, his wife,
Defendants.
IN MORTGAGE FORECLOSURE
~LAINT
1. The plaintiff is HARRIS SAVINGS BANK, which formerly was
Harris Savings Association, a corporation organized and existing
under the laws of the state of Pennsylvania and having its
principal place of business at Second and pine Streets, Harrisburg,
pennsylvania, 17101.
2. The Defendants are LEROY H. RUFF, an adult individual,
residing at 35 Old Stonehouse Road, Carli~le, Pennsylvania, 17013;
and PAULETTE M. RUFF, his wife, an adult individual residing at 35
Old Stonehouse Road, Carlisle, pennsylvania, 17055.
3. This is an attempt to collect a debt, and any information
obtained will be used for that purpose.
4. Defendants, on August 11, 1988, entered into a mortgage
loan indenture with Harris Savings Bank, formerly The Harris
Savings Association, and formerly Harris Savings Association, in
the principal amount of FIFTY SEVEN THOUSAND SIX HUNDRED AND 00/100
($57,600.00),
DOLLARS, the terms of which ..loan are More"
specifically evidenced and sel forth in the mortgage indenture
dated August 11,1988 and recorded on August 15, 1988, in t.he
.
,
Cumberland County Recorder's Office in Mortgage Book 913, Page 662,
a copy of which is attached hereto, marked Exhibit "A", and made
a part horeof by reference, which mortgage contains and is a lien
upon the property situate at 35 Old Stonehouse Road, Township of
silver springs, Cumberland County, Carlisle, Pennsylvania, 17013,
, '
,
Ii,
being improved upon with a dwelling.
5. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated August 11, 1988, a copy of
which is attached hereto, marked Exhibit "B", and made a part
hereof by reference.
6. Harris Savings Bank, in consideration of the said
Mortgage and accompanying Note, advanced to Leroy H. Ruff and
Paulette M. Ruff,
the sum of FIFTY SEVEN THOUSAND SIX HUNDRED
7. The premises subject
to
said Mortgage is more
!
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DOLLARS and 00/100 ($57,600.00).
specifically set forth in Exhibit "G", attached hereto and made a
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part hereof by reference.
8. Leroy H. Ruff and Paulette M. Ruff are the sole owners
of the said premises contained in said Mortgage.
9. Said Mortgage and Note have not been assigned in whole
or in part by the Plaintiff herein.
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10. Leroy H. Ruff and Paulette M. Ruff are the record owners
in fee simple of said premises by virtue of a Deed dated 13. June,
1988 and recorded in the Cumberland County Recorder's Office in
Book M-33
, Page 1125
11. Judgment was previously taken October"6, 1994 in the ~
amount of $61,613.78 in Mortgage Foreclosure Action No. 94-4465
, ,
,.,#l
Civil Term which was paid current by Defendants and accepted by
Plaintiff, reinstating the mortgage.
12. The said Mortgage is in default because Defendants herein
have failed to pay a partial payment of $75.00 for the month of
October, 1995 and the monthly payments of $525.29 for the months
of November, December, 1995 and payments of $514.00 that was due
and owing for the months of January, February, and March, 1996.
13. The Plaintiff has given to the Defendants written notice
of intention to foreclose on said Mortgage as required by law under
Act 6, dated February 5, 1996, copies of which are marked Exhibit
"C" and "D" and attached hereto and made a part hereof by
reference.
14. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
February 5, 1996, copies of which are marked Exhibits "E" and "F"
and attached hereto and made a part hereof by reference.
15. The entire principal amount of FIFTY SEVEN THOUSAND SIX
HUNDRED and 00/100 DOLLARS ($57,600.00) has become due and payable,
together with interest at the current rate of 8% per annum,
reasonable legal fees for collection of said sum in accordance with
the terms of said Mortgage less such sums as have been paid on
account of principal of the said mortgage and costs.
16. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $ 2.315.38
17. The Defendants are liable to the Plaintiff for interest
at the current rate of 8% per annum until paid'and expenses as
provided in and collectible under the mortgage documents that will
,
accrue until dil!ltribution by the Sheriff of Cumberland county,
pennsylvania, to be computed at the time of judgment in these
proceedings in addition to the current loan balance and thereafter
until paid.
18. The Defendants are liable to the plaintiff for the
following on said mortgage loan:
A.
principal amount and interest
due through 03/31/96
$ 55,674.09
B. Interest at the rate of
8\\ from 04/01/96 to
10/04/96:
$ 2,210.42
$ 280.81
$ 2,315.38
$ 450.29
$ 60,029.61
C. Late Charges:
D. Attorney's Collection Fee
E. Partial payment (Credit)
TOTAL:
19. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the united States of America.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against tho Defendants, LEROY H. RUFF and PAULETTE M. RUFF, of
Mortgage Foreclosure and sale of the mortgaged property, with
damages in the amount of _ S60.029.61, together with additional
",
interest thereon, costs and all other amounts advanced by Plaintiff
until paid.
DATED:
~\l1
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, 1996
.
RoBE T E. M R, ESQUIRE
100 York Road
New Cumberland, PA 17010
(111) 114-3163
Attorney I. D. No.: 09129
Attorney for Plaintiff
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF lb.U-(J/~~
)
) SS:
)
PERSONALLY APPEARED before me, the undersigned officer, a
Notary publ ic in and for said County and State, Jack W. Shader,
Jr., who being duly sworn according to law, deposes and says that
he is the Collection Manager of Harris savings Bank and that he as
such officer is authorized to make this Affidavit on its behalf and
that the facts set forth in the foregoing Complaint are true and
correct to the best of his knowledge, information and belief.
SWQrn and Bubscribed to before me this
12...+h day of ApI' I / , 1996
~'~u,llIlAA ), ..11...-'-
"No"IFARY PUBLIC
My Commission Expires:
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NoIAnal S~al
Lift.. A. M;lr~h N!'lIAI"V Pl.lhlWO
HOrrl!:burg ('1.111r.l'1lr r~('IWI~
My CommIS~IO'l E.llplrt:~. ~~J.'.'" _?_~ ~ ::~ .
.~arMlAtvk.ltJl.IrrL)t1 01 Nohlll0S
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11111 IS All AMIIITA"lol: "~ll! tflllTl',^lI1! AU.cMIt<<l f')R C1IANG'.s IN 'OlE
III'I'YJIPIIT 'AU AHIJ n".",UIlR 1:11""';'11 IN nIl! rnrnn.v PAVHI1lTS
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MORTGAGE
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....'..MM". '"'1. ,n,ahin. mint"', nil .nel I'. rllhls .nd pm"I!!. nt" ,llh" IInd 'lnc:k and III hlU,tl nc'IW or
h.,ttf'\.,. flI" 011'" "arr,I,. AU ""I.(.mfnllllnd .rldilionlllhllllal'KJ Mco\ltrtd b, Ihi. SrC:llflly In~lfumrnl. All nrlh.
""......n. '-r.r.".. lit In Ihl.SecurllY In,lrumll1lII Ih. "pro.,.rl'J."
'kUIIU)W" CnvfPnwlIl Ih.1 ""rrn"lf I. I.wrllll)' ..Iud of 1hlll ..t.1t hUfhy ,nnv(''jrd I'lnd hll~ lh. ,ilhl It"
'"0'1..... ,nn' .rId (nnvI, Ihe rrn.,.rl, and th'llh, Prnperly III unfnc:umhrr,d, ",('rl fot ,nc:u",hnnc,' nr "cord.
Inr,nw" .,,"n" .nd will derend ,.n"ln, th. 1111. In Ihe r,,,I""Y 1I1.1n.1 .U d.in" llnd drnHllOd.. ,uhJ,C:1 10 'MY
tlM'UmhllMn"r rtecwet,
T"I. ~'CUlln INU.U,",'Nl (omhln" unlfnrm ("Vlllnllnl' for ".tlnnll \1'. Ind nnn-Ilnlrnrm ((w,nlnll ..llh
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PIMM'nVAMIA-II"". ,...."._'.M./lHlMC UH"O." 'N".UMI.'
'0"" Jon Il,n
'EXHIBIT "A"
iOoK U13 fl~l fiG?
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UPillrn.... COYIPilANn Olluower Ind Llndl' tounlnllnd 1"'11' follmn:
t, P.,..". Or P,I..e',,' .... h,II'"'1 P",.)m...1 .... 1..1. <-'hI'.'" nnun_u ,,,,,Il rrmnrll)' rAY "h,n dull'
.h. priMlpll orl..dlnltr"1 nn Ih.dlbll\'ldlnC'fd b)' Ihl NOI..nd In'i rnrlynlfnllnd 1III,dll,.rll du. und., Ih. Nnl'
J, F.....'Of Tn" 1..41 1.1..,."", !Ilhjrclln Irr'llluhl.IIW 0' 1r'l1 1II'IIII,n wlh", h) I.rnd.,. nn"mu, ..hllll r'y
to IA......, on Ih. dlY monlhl)' r.ym.nlll Irt dUI ul'ld" the Nol', ut'lllllh, Nnt' III raid In MI" "um (,TlIlld,,") ,qUllln
on.....lAh 01'1 II) )'.ul)' lun Ind 11I,,"lm,nll whkh mll~ 1IIIIn r,lnrlty n\'" Ihl.. ~t'Cllrll)' 11'I'''lIn'llnl; eM y.ul)'
.....hold pI)'mtnll 1'1' .,nund nnl. on th. r,nrrrl'i. Ir In~; e(') )'u,ly h,.,ud In"uunct rrrmlllm" 11'111 hI) )1,"1)'
motl,I..lnluranu prtmlumll, Ir In)'. ThKllllmalrt ull.d "f!le,nW It.mll.''I.,nd,r 1'1'I1)' "llnll,l, Ih, Fund, tlu, nn Ih,
_h ofcu,,,nl dll.11MI ''''lInnlhl, "1Im'llII nrrulUrt ,,"c,ow II,m.
Th. Fund, ,hili he h.ld In In Inllllullon Ih, d'rn"ll. n, 'CCOllnll nr whlrh lI,e In,ur,d n, ,1I",nlttd h)' I r,d"ll en
..... .ltftcy (In('lud'n,l.tnd., I' hndrr h luch In hulilullon), I ,nrirr ,hlllllrr1y 11'1, Funll, In rl)' Ihl "crow Itr",,~.
Lendrr ma)' nol char,. rl'" hnldlnllnd Irpl~lnllhe rllntl,. IIMllly,lnllhllu:Cou,,1 or .."ir)inJ Ih, ,~(tnw lI.m,. unl,,,
und.r plY' Borrnw" Inlff"'l 1'11'1 Ih, Fundi and Arrliclhl, III'" "'fmll, 1-rl'ld" In mnh 'lIch I eh"",. nnrrn.'l" IInd
lAnder mlY ..,It In wrlt'nf Ihlllnlffelt IhlllI M r"ht on Ih, Funllll, Unl", All aJ,r,mrnl III mldr or IN,!lnhl, IlIw
requi,esl"ltr"t to be "ald, .rnd" ~h.1I I'll'll M n-f}ul"d In "BY nnnn.'ff Iny Inlf,~1 I'l' rn,"I"" on Ih, fundi. L,nd"
Ih.IIII~.ln ""nw". .ltt",ul eh"". In .nnulIl Aremll'llln. n'lhr Fund.. .hn~d". CIt,II11 IInd d,hl" In Ih. Fund, Ind Ih,
P'lrpoM rOJ .hlch tlch d,hll 10 Ihr Fund" wu mid, The Fund" 11ft rlrd.,d II" Iddlllonlll "ru,lly rnr Ihr 111m' "cur,d hI'
Ihit Secu,lIy 'nlllrumenl.
Ir Ih. .moun' nr Iht Fund. hrld by "rndrr. 101,lh" .'lIh Iht rUlur, monlhly rlymrnll\ or Fund. pl)'lhl. prlnr In
the due dlles oIlh, tACrnw ht"'., .hlll tIIt"d lh, IIn,ou"1 rtqulr,d 10 rlY Ih, ,~cro". II'm~ when dU'. Iht r.tllll ,hili M.
.t 8Mmw,,', nrllon,.llhrr r,nmrll)' ..r-Id 10 n"UOWer en crtdlltd In nonowrr on monthly ra)'m'nlll or fund, It Ih,
tmount or,h, Fund. hrld by tIndrrl. nnl'\llIIcltnlln p')' Ih, nernW lI,m,.'h,n dill. Ronnwer ,hili r")' 10 hndff Iny
.mounl nfftlll"IO m." uS' Ih,d.fttl,nc)' In nntnr mn', rlymrnll II "qul'N hy ".ndtr.
Upon r.tm.n' In rull or .nlum, ltCurrd by Ihl, ~<<UfIIY InU,umrnl. L,nd., .hall rrnmrlly nrund In Ro"n.."
I"' ,.."d, hctd ,/l.rnd,r.lrundrr r"I'rlrh 191h. r,nrr,l)' I..old 0' Icqulrrd hy hndrr, 1.Il'ndrr .haUlrrly. nn 11m
,It_" Immtdlllll)' p,ln, In Ih, 1111I1, nllh. ',nrt,l)' 1'1' II.. Icqullllllon b)' L,nd", 'ny rUI'IIh h,ld h)' L,ndrr III thl tlml nr
.,.,Iielllnn". c,tdil',llnllllht llum' I<<U,rd hy Ii'll" !\<<urlty In'!rum.nl.
3. A"UIIIIH or ,.)'",,,,t.. Unl,,,, 'rrUeahlrlaw ,,'o\'latft nlhrrwl". .11 rnym.nll 'tcrl\'rd h)' L.ndu undu
P'lr"I'I"h.lllnd llh.nht 'rr"td: ftul,la 111,ch"." dUll undrr Ih, Nnll, ucnnd,lo rrrrl)'mt'nl rhu."du. undrr Iht
Notr. .hl,d,ln .mnunl. Plyahle unitt' I"IIrllu"h 2, rl'lurlh,ln Inl,,"t dUI; .nd lul. In rrlnclrftl due.
'.. OI""lt.ll"l. no"o." Ih.II"I'Iall'..~, u'fl~m'nl", ehu.". Itnn IIl1d Imf"MlIllln\ IIlIrlhulAhl, hllht
Proprtt)' which m.)' 1IIIIn rrlnrll)' nytr Ihl, ~urllY 11'I,1'lImtl1'. And 111I1,hnlri rlym'nlll ." "ound "1'111, Ir In)'.
Borrow" ,hIUrt, IhN nhll,lllnn,'n Ihe mlnn" r,nvldtd In rllrl.,arh 2. n, If 1'101 raid In Ihlll mlnnff, Ro"o",r, ,hili
...., them nn 11m. dhrtll)' In Ih, J'lfunn ownl r"ym'l'Il nnUOWIf ,hln rron'lrtl)' rurni,h "'1I.nd" all nollcn 0' IImflunl'
let be f'IIld undrr Ihl, r'I'I"arh. I' nnuowrr m"hl Ih,"r 1'")''"'1'1111 dlrtell)'. fJcmnwtr ,hili r,.,nlrlly rll,nl"h In Ilndlf
recclpt,.~ld.ncln,lh. pI)'mlnl',
Rn,rawlr IIhln p,omrll'i dl~hl"" .n)' IIfn whlc:h hn prlorllY nur Ihl, ~rcurlr)' In'lfum,nl uI'llt" On"Il.": e.)
..rHlln w""n,IO Ih. p')'menl orlhe obll,.llon ,rcu,l"d h)' Ihr IIrn In. mlnn" ACctl'lIAhl, In I.end,,; (h) el'tnlellU In '1'IOd
,.llh Ih. lI.n "'1. 0' d,r,nd, "lIlnll enro,t.mlnl nr Ih, 11,1'1 In, 1"11 pflX'tfdin" ...hlch In Ihll 'ndu', nrlnlon "rtf/U'IO
,rennllh. .nrorermrnl or Ih.llln n, rCl,r.ItU,. nr Iny rlrl nr Ihe ',nre,I)': 0' (c) IIIC'U'" r,nm Ih. hnldrr or Ih~ IIln In
..",,",,"IUlllrlcIO')' 10 bndrr lut'ln,dl"atln,lhe iiI'" In Ihll ~u,lly In'hum.nl. If I.rud" drllfntlntt Ih.1 an'i rlfl or
th. Prnpc,ly ,,, lubje<1 In. Ii.n which ml)' IIl1all'l r,inrll)' o...r, Ihlll ~lIrll'i Inlllfum,nl. I ,nd" ntA)' ,h, Il~rrnw" II
noIk. MtI1"lIU'ylnl Ih.lI.n. Bouo." IIh.llulld'i Ii'll' Ii, 'nr Ilhnn, l't, moll' n'lh"tflll1n, ul (11'11'1 Ibnvlwlthln IOda)"
oflh"lvln.oInoll.:..
5. ...ur. ....,.n,.. nounw., ,hall hrr the Imr'tl\'fm,nl. now ulllllnll 0' hfl,dler ,,<<I,d nn 11'1, p,l'trt")'
Inlu,ed Ipln,t &nil b)' ftrr. hn.rd.lncludrd .lthln Ihe 'rrm "t11lendrd eO""I,I" Inet "ny nlh" hlrardll ro, which L,ndrr
requlr" Intlu,anc., 1M. Inlluranct Ihln hi' mllnlllll"d In Ih, Imnunla and rr'IJ Ihe rrrlnd. IhAI t.lnd" r'quirttt, lh.
IntuuM. !:I,ftrr prnvldinllh.lnluranu Ih"lI M chI'M.n hy noun...rr ,uhl'd Itl l.,ndrr'l Irrrn"lIl which .1'11111 nnl bt
unrrllMlbI, wllhh.ld.
Alllnlluranct pollel.. .nd "n'.111I ,hili he Icc'rlllhl.ln I.rndrr and ,halllnc!mlt a IIIA"dud mnrl,." ellll,r.
Lende, Ih,n hav'lht ,l,hl 10 hold 11'1. mllci" Ind "n.w.I~. If Ltndu ,rqulrtt, Rnr'I'Iwrr 11'1..11 rr('lmrI1)' .ivl' tn Lrnd.,
.n rtc.lpl. 01 plild prrmlumll .nd rrn.wa' nl'tllnl. In ,h..y,nl nrlnll.. Rflr,nwrr Ihlll ,I\'. rrl'tmrl nntlcllo Ihl' Inlu'lIne~
e.rrit,.nd IAnde,. und., may m":' p,onr or IMllr "nl mlldf r'l't"'rlly h'i IInnn"'f'.
Un.... und" .nd Borrnw" 011'1".1.. ".rr, In w,ltln,.ln.urane. r,ncrrd."hlll hi' Irrll,d 10 rl'lnnllon l't, "ral,
of the 'rope,l,/ dlml,rd,lr Ih. '"lo"llnn M rrr"I, Is K('Inomlrall)' r..,IM' Ind l.end"'1 "cu,ll)' Is nnl l'III.nld"I'lh.
.....orlllon or "pair II nol fC('Innmk.lIy r,""lhle n, hndu', Itcurlt)' w(lufd be I~,'in.d. Ih, InllUllnn r"'C"dlllh,,n bt .'
.",lIteI '0 Ih. .uml\. wcu,rd b)' Ihl, SrclJrUy In!ltrum,nl. whelh., 0' nollhrn dup, ",llh In'i ue"' raid 1('1 9('1"('Iw,,. fr
Borrow., atMIndnna Ih. P,nre,I)'. 0' dnes not .",we' wllhln )0 dl)" . n('lller r,(lm t,ndn IhAI th.ln,u'lIne. cI"lu hi'
otr.red 10MIlIt. clllm, Ihen bnd" mlY .:nlltcllhe In,unne, prllt'ud.. !.fndn n'lltY \I'" Iht r,ncltdlllo rrpAIr n, fllllort
.... ',op"l, or 10 PlY lum.seeurtd by Ihl, Steu,lly In,lrumfnl, wh'lher ('IF nnllhrn dllf. Th. JO.dl)' rr,lnd will M,ln
wlMn th. ""li(.II.I~.n. '
UnlttllAnd" and Rnrrnwer olherwl'll lI,rte In w,lIln., 111'1)' Irl"lllellllon orrrott,d'ln prl"dr" Ihlll nOI'll~rnd 0'
poI.pontlh. due d.l. orlh<< monlhly ra1m,nl" ,rr""d 1('111'1 rln,nrh, I Inlt ~ nr ChAl'llllht an'lounl ('Ir Ih. rlymlnl,. Ir
tinder paralr'rh ,t Ih. P'n~'I'f II ,cqulrtd b)' t,nd,r. no"n...,,', ,I,hlln Iny In"",unc' pC'Ilicl'4 Ind rrncrrd!l 'Huhin.
rrom dlm'I' '0 'hI 'fOrr'" p,lor 10 Ih. Icqlll"hlnn lIhall pili 10 I..nd" 10 Ihllllt,"1 nr Ih.lum, ,<<u,1Id by Ihl!l Stcurily
In.trum.nl 'mmtdl.I.I'i r,lnr 10 Ih'lequ,sltlnn,
.. Pr..."III"I'" MIII't",,,e' ofr,,,,,,I,; l......hold.. oo"o..u .hltU MI d"I,"y. daml" n, !llIh,"nlllll)
chtn.. the ',orcrl)', .1I0w th. 'roren)' In d.ltrlnnl. 0' enmmll ...Ie, IF Ihl. !IIKurll)' 'nu,umlnt is on I I,nthold.
Borrow" ,han cnmply _Ith Ih.",ovllllon" n'lh4 f,,,,,,. .nd ir80"ow" lequlru "1' 1111.11'111'1. rfl'tpllrly. Ihlflllllthold and
rn .hlt ,h.1I nOl m",' unl.,..L,ndn II'"' 10 Ih, n'ler," In _rllln..
" ProtHUolI of ,..".,,', RI..... '" lht r,n,.,t,; Mort.... In,urln". H norrow" r.lI, 10 rrrro,m Ih.
CO'llnln'I .nd 1.,,,mlnI4 conlllntd in Ihlll ~u,il)' In!llrumenl. 0' Ihlr' I, Iltlll rrncrtdin,lhl' mlY ,I,nllt('.nll'i I"Kt
und.,'a rllhll In Ihr Prore'l)' ('\leh II . prt'lt'tt1Unlln h.nb\lrlCY, rrnhlllt, rtl, ennd,mnllllnn ('I' 10 Inro,et 1'.'1 0'
r'lul.lIC'1nl\.), Ih.n I..nder m"y dc\ Ind ra)' rn, ..hll"\," III ntellllll)' 10 rroltCllhe YI\III' o'lh,'rortrl'i Ind lende,', ,I,hl.
In ,h. Prnperl,. bnd,,'1 Iclinn' mlY Include rA'ilnl .ny lum' !lfturrd hy alien which hi" r,ln,lI'~ o~" Ihl. !<<u,IIY
In"l,ummt. appearln,l" eou,t, p.ylnl "llIonlble Iltn,nl)'" '.ft .nd tnltrlnl on Ihlt Prnr',ly 10 mlk. np.lr., AhhoUlh
l..end., m.y.." .rtlnn unde, Ihl, r.,l.nrh ,. 1 rnd" dntl I'nl h.v, 1('1 dll'n
Any ""('Iun" dl,hu,.,d hy hndfJ undrr Ihi, rlUlI,nrh 1 Ih"lI Mcnn,r Iddilion~1 cttM ('lr Rl'trrC'l"" .,currd hy fhl4
~urll, In,ltum,nl. Unll" nn"o." and l.tndtr "'flf Inolh., I,rml (l'rl)'m.nt, th'" Ilmounlllh.U Mar Inl""1 rrom
,h. d.1I of dl"hu,."n.nf II Ih. Nt'lll 1111 Ind Ihlll MII)'lIhl.. with inltr"I, ur"" nl1lice r'(lm hndrr 10 Rnno."
rcqu..II.1 roym.... iOo~ :1 3 I'IM (iG:}
..,.....1411 N,' 'W~
, \ .....l.f.ar _ce'
': .." ",~IlO\IO' 1IIIIl.,.
I' l.Ind" 'tqulnd m",I,I" Inluranu .1 . .:ondlllnn or mlkln.lh, lo.n lICurJ.t.1l1WlrJ tnl,
In"et.'., .hlll r-r Ihl prtmluml rfCIulrtd 10 malnl.in Ihl Inluranu In ,"tel unllllU(h Ii;'~ lJIflulr,mrn or Ihl
Inll...."tllrrmln.ln In Irrnrdl"(t wllh aorrowrr"lnd hnd,,', ~,llIrn I"umfnl n.!' 'rrllnbl. I... '
.. 1.',.,11.... l,net,,"r III .,tnl mlY m.h rfl~n".ble 'Mariti upon .nd In~rrcllnnl of .he r,ttprrly. LInd"
,hilt .h, BmrtU,,, ""lit. It Ihl 11m. "rOr prlC'lf In In Inltrrc:llnn IrtC1ryln. rnlOn.hl, cau" (or the In'l'f'Cllon.
t. C....m..IIIM1. 'rh. rrl'lCttdl or In)' .wud Ilr d.lm r~, dlm.,n. dl"e. or c:nn~rqllrnll.l. In cnfln<<t1on wllh
In) C'nnd.mnlllrm"r nlh" 'IIIln. of In)' 1'''1 or lhl rr"rt'l)'. or (or con",)'lncr In Uti) n' cnndrmnlllon. 1ft hrrrb)'
...I.nld Ind .hlll he plld 10 t.nd".
." the ,",nt ~ 110111 I.. In, a' Ih, p,orerIY. Ihr rrocrrd& ~hl1J br 'rrllrd 10 Ih, &Um~ lltc:urrd by Ihlt Sl'(urlly
I,,"rum,nl, .,h.lh" or not Ihrn du.. wllh Iny Utili rllld 10 Borrnwrr. In Ihr nrn' C'If, rUII,II."ln, or Ihe Prop'rly.
unl"1 ltrJ"o." Ind I.trlder nlherwl.. .,rreln wrlllnl, Ihr .um.,<<urrd by Ihl. Srturlly Inllrum,nl,hall he rtduerd by
Ih. amoun' fIIlh. prMttd. mulllrll.d h)' Ih. rollowln, r'lellon~ (.) Itlt Inlll .mnunl 0' Ih, 111m. Itc:urttt Immrdllltl)'
...ro.. Ih. Ilkl... dl.ldrd by (b) Ih. rll, mlrkol ..I.. or Ih. Proprrly Immrdlll.ly brro" Ih, IIkl.t A.y bll,." ,hili br
paldlolln".W."
Itlh. Properl)' I..hlndnn,d h)' &rrtlw,r, ('If If, IIn" nlllln by t,nd" 10 norrow,r Ihllth, e"nd,mnn, o"'erllo
mllll In ...,d"r Hili. I elllm r", d.m.,". Dnrrn\\'tr r"lIlllo rtlll1(md 10 und" wllhln ~O diY' .n" Ih, dllt tht nollet I'
11\1'". LInd" I' lulhnrlrtd 10 coU,d Ind Iprl)' Ih, rrocrrdl, II hi orllon, ,llh" In ''''lo''lIIlon ('Ir t'rllr orlht Proptrl)' or
In Ih.lumllfCurtd h)' Ihll Sfturll)' InlUumtnl, wh,lh" or nnllh,n dut.
Unlnllrnd,r .nd Rnrr01ltrr olh,twlar Ilr<< In 'A'rllln" Iny .rrllCl1lnn orrrnc:,rlh lorrlnrlr.llhllll nn' ral,nd ar
poI'rttft' thr due d.l. oIlhr m"nlhly r.ym,ntt r,rrrrtd tn In rln,r'rht I .nd 1 nr ('h.nll' Ihe Imounl araueh r.ym,n't.
10. lor"." No. R.I'..HI FO'Mlrlnn 8, IAnd.r Nol I W.",r, EXlln,lon or lh, IIml ror ,,'ym,n' or
mMIRtllh", nt .mnrtl"llnn or Ih, .umt ttc:u"d h)' Ihl" 5reurlt)' 'nllnlmfnl ,rlnll'd tly hndlt 10 In)' tUceen"r In
In'''..' DlRM,nw" ,hln nnl nrentllo "lfllf Ih, IIltllllly or Ihr nrl,ln.1 Rnrrowrr"r ncorrOfo'rr', IUeClnn,. In Intlrftl.
l.nMr th.n nol he 'equlrtd to ('ommrnet rrnc,tdln,,, ",lIlnll In)' ,ut'c'''or In Inl""1 or rerUM 10 '~I'nd 11m, rnr
reym'''1 N' othtrwltt modltr .mnrlillllnn nrlhl lumlueurtd tly Ihlt 5<<urlty In~lrumrnl h, rrA~nn nr.ny drmllnd medl
It, Ih. orl.lnllllnrrow" nr Aorrowrr', lucuunn In InlrrrU. An)' rorM.rancr b)' hnd" In n,rdRln. Iny ,I,hl or rlmrdy
.h.n ,\1" be. w.h,r oro, I"rtcludl Ih. ,urel", or.n)' rl,hl nr "mMy,
II, IIl"ItI.,..... AnI.... lal".; Join' In. Su,ral LlI'IIIt,~ Co..f....,.. Th. cnunlnll Ind I,,,emfnll 01
Ihl.l<<urll)' Inalrum.n' .h.n hind Ind htn,lIllht auec"Ir'tI.nd lul.", nrl.tnd,r Ind Rorro....". 11Ihjtc:llo Iht r,rnvlKlont
of r-rl...rh I'. &rrO'lt,,'1 env,nlnll .nd ..r<<mlnl.th,,11 btjnlnl.nd "V".1. An)' "orrn..." whn('n'AllnIl Ih I SKurll)'
I".'rum.nl hUI dOlI nm I.tc:urt Ihe Nnl,: el) II co.'I,nln. Ihl, 5<<urll)' In.hum,nl only 10 mnrl,llr, ,rani .nd eMV')'
IhltIIorrq."'llnlllnlIn Iht Properly under Ihl Itrml or Ihl, Stcurlly In,lrumrnl; (h) III nnl rrrmnall)' ohll,altd 10 r'Y
Ih. a..m. lHurrd bJ Ihll Stcuri,y 'nllrumln.; .nd (t') ,.,ttllhllundrr and Iny C'llh!!r Ilorrnwrr mlY ..rtt '0 nl,nd.
m~I", rorN" nr m.h Iny Ic('nmmoo.llon. wllh nlud In Ihl I"m. of Ihll 5tcurll)' In~lr\lmrnl or Ihl NOlt without
Ih.. Ikt"ow,,', rDnHnl.
II, IM.Olrlft, Ir'hl Inl,. Il'C'urrd by Ihls !IIrcu,lt'lln'lrum.nlllluhJrcllo 1I11W whlrh Ifl, mAlllmum IOttn
Ih",.., Ind Ihl' I.. I. "nllty Inlttrnltd 10 Ihlllt Ihe Inler"1 (tr alh" Inlln fhar." t'nU'flrd or In he callrc,rd In
el'ttnfC'tinn _llh 1M lOin ucH'd ,hI pttmlllrd IImll., Ihrn: (II) In)' luch IOJ" d.ar.r Ihllll hi rtdutl'd hy Ih, .ml1unt
nfC.....y 'n reduCt Ih. chlt,r to Ih, pt,mltttd IImll; Ind (h) Iny lum'llrltdy tollft'lftl trom Dortnwlr whlrh IICfl'dtd
,.,rmltlf1'l IImh..1II be nrundrd 10 Dorrowrr. Lrnder mlY choot' 10 m." Ihll rtrund hy rrdueln. Ihr ",lnclrll ownt
und., Ihe NnI.~r by ma.ln'l dlrtc:t r.ymrnllo norrowrt. 1(. rdund 'MUt" r"nclrll..hr ""Ufllnn will httrralrd lilt I
rlfll,,1 rrtl'l)'m,nl .hhoullny r,trl'lmtn, char" under Ihr Nol,.
U. .......1.110. A"ftlh.. bnder', RII"II. Ir rn,f1m,nl or urlrlllcln (Or Irrllnhlr III*~ hili Ihl '",KI or
nnd.rln. Iny rro"lllon ntlhl Nolt or Ihll SecurllY Inllrllmrnt unrnro,t'tllhl, .efnrdlnl Ie) 11"frm~, trndrr. 1111' orllon.
",,)' "qui" Imml!dllll ",ymenl In rull nr III Auml "furrd hy Ihlll Sleurh)' In~lrumf"' 'l1d m.y InvC'l1r.r any "mrdll'll
rrrmltt"" hy JIIn,nph I.. Ir hnd!!r urrclRn Ihill ollllnn. trndn .hlll II" Ihl 'I'~ Ir<<iftf'lf In Ih, lltC'ond rlftlnrh n'
l'lra.rarh 17.
14, No,I".. Any nnllt' 10 Ronnwrr rrovidrd (IIr in Ihll !tffurlly In.lrumrnl Ihllll hr ,Ivfn hy drlivtrln. it or h'l
m...U1n. II tty fb.1 el... man unitt' .rrlluhlt II'" '.qlll,~ U~I or 'nolhlr mflhnd. The nnllee ,hlllll ht dirKIt'd In ,h.
r,orrr')' Addr"' or .n)' tlth" addrtll' Aorrowlt dr,i,nnlrl h)' Mlir, 10 IAndrr, Any nnller Inl.rndtr IhAII N II\lrn h)'
ftrt' el... mln 10 l.tndrr', .dd,", 1I'lltd herrin or 11"'1 nlhrr ,,""rro I.!!nllrr dl'll,nllrl tl) nnlif' In norro...". ^ny "",it"
r"nvldf'd ro, In Ihll 5rcIJrII)' Inl'rnmrnlllhlll M d!!rmrd III hive hr!!n II\lrn IC'l nOrrOW!!r cor I.rmlu whrn .I"en.. rrovldrd
n Ihlt perl.tlrh.
IS. CIt,,,,,I,,. '''WI !Ir,..,.hllll,. lhl! ~r(urlly In.lrumrnl Rhllll he lovrrnrd hl r,dmlll... Ind Ihl III... nrlhi
JurlMtlcllon In ..hlch Iht rrnl",r'y '1Inelltd. In Ihe ev,nl Ih.1 In)' rrnvlAlnn or dill" nr Ihl, 'fClJrlty InRlrUm!!nl nr Ih,
NnI' con'Ucll wllh I"pl~.bll IIW, .uch conlficl thlll nnl ."'rel olhu rrnvl.lnn~ nr Ihl" Sl'ClIrlly In"rumfnl or Ih, Nol.
'lrhlch un be Ilv.n rfrret wllhnullhl cDnlllelln. rro"I,lnn, To Ihl. ,nd Ih, rrC'l"I.lnnl n( Ihl, 'rcurll) '",lrUm!!nl .nd Ih,
NnI,l" dtel.,td In hi It\l".hle.
I', Rorro....1 Co." Bonnw" Ihlll M .iv!!n nne ronrormtcl coryof' Ihf' Noll' Inri ."Ihl. Sfturlly In!l'nlmlnl.
n, Trllllt" or Ihl rrn",I, 0' a R",.Relll Int.rlllln Horro.", I' .11 or IIny rllrl C'l' thl rrnrrrl'l nr IIn'l
Inltrnlln It .. IOkt or IrlnRr"rtd (('Ir Irl hrnrftcllllnltr"1 In Rnrrnwu 1'lClld nr Ira".rfrrrd ."Ii Rn"nwtr il MI I nlllll,.I
I'trltMl) .lIhou' bnd,r', rrlor wrllt'" eon"nl, tendrr mll'J, 1111.. nrrlon, rtqlllrr Immerli"l!! raymrnlln rull or III Rum,
mured by Ihll 5tc:urll)' InRlrum,nl. 1I0w,,,,,. Ihl, nr11n" Rh.lI nnl bt rurrl,rd hy I.rnder i'tlfrelM I, rrohihltld by
ttd'f11III. ..allh,d." otlhl. Securll'J In...rumen'.
Ir ".ndff '"ffclW' Ihll orllon. I.'ndff Ihlllalv, norrowtr nnllee orlcfrlrr.llon. 'Thr nnlier .hllll rrnvld,. rtrlnd
ttl"DI ,"II Ih.n )Odl)'1 r,nm Ih, dlle Ih, nOlic.l, dllivewf or mlUrd 'Wllhln *hlch Bono.rr mu,1 rlY III !llIml !lrcured by
Ihl.. ~..rh'lI"'lrUmrnl. It Rnrrowff r.lIsln r.y Iht1' 'um' rrlor la Ihe uplntlon nt Ihill rrrlnd, under m.)' Invo" any
r""edl" ptrmllttd hy Ihl, ~urily InAlrum.nl wlthnul rurlhff nnlle, or dlmlnd tin 80"owrr,
II, Re"..,,'. IU."t 10 R.I.".lt, It Rono"'" mitt' ('trllln condlllnn" Rmrn.tr .han hi.... Ihe ,i.hIIO hlv,
."forcemenl orlhl, 5trurh)' 'nltlrum,nl dl,can.lnulllll 1"'1 11m. p,lor I~ Ih. IlrU" nr~ (.) , diY' (Itr luch olher ptrltd.,
aPrHClbIt Ilw m.)' 'reelry rnr ,,In'lallmrnl) htrorf ,"I!! or Ihl Prnprrt)' pUrlUIlnllD In'l rowu nr !t.le root.lntel In Ihit
5tcurh, In'lrumln'; or (h) !!nl''J ot I jud.nll!nl ."rn,dn. Ihl, !fCurll'lln"trumrnl. ThM' fnndlllo"" art Ihll Rorrowlr:
(.) fit)" l.tnd" .11 luml which then would M dll' unrfrr Ihls ~u,lIy Inllru""nl lI"d Ihl Nat. hid nn Icc.l.nllon
occurred; (h) curn In)' dlrfluh ar In'l olhrr ('O\llnln" nr If.rlfn""l"; ee) 1'1'1' 111 raren~ Ineurrtd In Inrorrln. Ihl.
!lfCurlty In,'rument. I"dudln., hut MI IImllrd 10. r".nnllblt ,"orney" rm: Ind Cd) .akn ,ufh Icllon .. lAnd" mlY
rlllO""bly rlqulrl 111 ..,uu Ihll thl lI,n nr Ihi" ~tClIrlly In'lrumlnl, Lenrt,,', ,I,hll In lh, Prnrert)' I"d 8orrnw,,'1
abllllllnn 10 1'1'1 Ih. lumR .,('urtd hy Ihl, ~fllrl'y In,lrum'nl ,hili co"llnu. IInchllnlrd. Urn" ulnAIII,m,nl by
80rrow." Ihl, ~tcu,lly (n",umlnl Ind Ih. "hll,"llo", 'Wired hfreby Ihln remlin (Ully r"'t'CII~, "If no l(c.I"lllon hid
<<ru,rtd, Ifow.vtr.lhl' rllhl 10 ,,In'I.11 Ih.1I not .rrly in Ih. flit' orICr.I"III"" unrlff rlul.urh. IJ or 11.
iou.~ lJta ,m fm 1
\".,
~
~
NON.UNI'O.t.t CI)V'NAN'~ hll"nwer Iliff I rnd" nmht',c:n\,nlll' ..llIfllll'''''' r"lIn~"
.,. Arul".U.", R,m,"'", ."..d., ...11 lit. nntlr. 'I. n"",nrrr "lor ." .trtlrrllllrm Inlln.I". n,.",..u,',
ftrtH. It"" U""I",.., ''''''''',,' 'It IhI. fliNN,I" In"rum'ftllhllf "", p,'n,." .rrrl".t1nn Iln"" p,,,,,,,"t IJ 'n" 11
....... ."u".., I.. "",,..,, nlh".,,,., r.."d" .hln "nllft hom,." nt. IrM"1 n'h" Ih"','1 fl) Ihr d"I.,'1I lht 'h,
Hllon Jt4M"tI to till" th. .."..,hl fd .h,1t .h, dff.lIl! mml hI IlI"lfl 'nd hI) Ih., '111"" .,. '1In Ih, drrlult.. 'p"I","
.., un" h. Itftl".llolt "r Ih. ""n" If'U,,'' ., Ih'. fi,ru,'" hnlru,",,,', r'H,rr,m,Uf h) Jurflrl.t ""'frlth,.,"" 11I1, nr
'h. P,.",. '..ft'" Ih.1I 'Imht, '"'",m nnn"." "fib ,I.hlln "1,,.,.,. ."., Irr,I".t1',n .nd ,., ,I,hlln ...",Ir, 'ht
'MIf''''''" ,rnuN'''.'., ""..,nl",n,, It' 1""IIIII"r I"J "th" d","1It ", II""""" II) lful"I""" .nd '''''tln,"n. II
1.'.".'1 "flol r.,t4 II ,,,rlfltd.I.t"d,, '111. n,II"" ml)' "qul" Imm,dl.l, p.)mr."II" lul'"' .,1 '"m. Ifru"d h~ IhI,
81,.,11, 1"11"""'" .".lUd (ureh., d,mlAd ."11 may Innrln.. Ihl. !li,ru,lI)' '"'trllm'nl h)' Judlrlll "nu,dl"l, . ,'"d"
,h.1I M HlllltI lit C'nll,ft .11 nlJln", I"rur,." In purllllnl th, r,mtlll.. p'n~ld,d I" Ihlll parl.Flph 19, Inthldl"I, lUll nnl
IIMI'n I., '''1>>''')'1' ',n I"' rl)f', nr Ill" ",ht"'t, In Ih, n"nl ,,,mllt," h)' .ppllnh', I...,
20. ."'..", I" rOn,,,'''"' Upon 'C'r"""linn "Ilil., rll".,rllrh 19 n, Ilhllnrlnllmr.u III Ih, rrnr'r1), I t'lIlrr 1111
,.,rto". hY",.nl 0' h)' jlldl(illl/y"rrnlllltd "'(',h'r,) ~h,,1I hf tlllhltl' In .111" IIr"ll, lilh ,""'t"lnn 'II dllll nlllll",. Ih.
Properly '"11 In collrtllht "n14 IIf th. rrn",'I)' illrlUllllljl: Ihn" rMI till. AllY frill, l'lIIlI'Clrd h~ I r'lllrr n, Ih. 'r~"l\lt'
Ihall hi ."Urd ftnl In ,I)'m,n' o( Ih, (n_I'I nf m~"n,rrnt'lIllr Ih, 11'"l'fuYIlIIII Cllll"r1illllllf '''"h, illrlurlltlll. hul unl
limit... 10. rft,I\I,,', f.n, ,rtmlulll' on ,".I\ln', hlllllh 111111 "'1~llllnhl. Ilh""")'~' r"t" llnclIhttlIn Ihp ""111' 't~'lIh'll h~
Ihl. Stcu,lty rn~l,um'nl,
21. Rr''''', Ur-011 'I)mrnl of III 'um" ul:llrcd h)' Ihl~ St'l'Ufl'~ hl\trllnltlll, l rflllrt ~hnll dl,chn,.r thlll ~~lIr11)
In~l,um'"' without rhl'" 10 nl'""W,,. Oo"mur ,hall rlt)' nny I<<nu'"llnn C'ml\
22. R,IMIII"'''''III r"lnd. nn"o",,,', 'lOll.' 10 'tin'lnlt rr,,\'lllrl' In rnlnll'llllh '" "lUll .'11'1111 In nilI' Illlu, fllh" III
Ih,cnmmrnrrm.nl of bid din III I ",htritrll.,'rn, nlh" ulr rll'''"l1"llltlhl\ ~t'1.'Il'II)' 111'1'11"'''111
n. r."he.. MOil,)' MII'I.....II.IIY o(.htd,ht 'rcurrd hy Ihi" ~I.'ClUlt)' In'I'"1IIt'111 ill Itnl lit nmlll,,'r, Il1l1cquhr
11I"'Glh, r,npruy,lhll llIlC'lI,lIy Inlllrllmtn, ..haUl)( II rllrclllm mcm"y nll"llIltltf'
24. '"I"nl R.,. Aft" Judamtn'. nllnm"" n"rr' Ihllllllr inl...",. rnlt rll)'nhl. lift., II JlIll'lIlrlllill '"ltftl' Illlthr
NOlt'" In I" IC'llon or mnlll",r (""rlmu,,, ,hall ht Ih" utI:' rll)lIhlr IIn", tim. III 11m. \tlldl" Ih" NIllt'
. 25. R'd,nlo Ihl. S,ru,lty 'n'l"lImtnl. rr unl! nr nll"l! ,fd,,..,, ureuI'II!\)' IImrll\\.", nllll ,rcnntrd IIl.tlhr, ",ilh
Ihl,SKII"I)' Inllf,um,nl, lht C'o"'rltlln'" .lId l.rUmtlll' or ('1It'h 'lIch ,h'" ,h.U ht hll'lHJ'llrnl'll 11111."1111 ,h"lIlm'"I' '''III
lu,pfern'nl Ih, COV'".nl" Ind ..,nm'1l1t of Ihi" !lirr..,It)' h."fllmtn, '''' " Ihr ,11ft,.,) ~'r" n ,,"11 or Ihl, St('t1lil)'
'n"'rum,n'. (Chrclc .,."Ilcablr bo.(~')J
[!) AdJu"lbl, Rei. Rid..
o O,.du.lt'd Plymrlll Rlrlrr
OOlh..C,) (,,,,,,'IJI
[] Cnnrlnmll1ium Rid"
[J rlllnncll lIlIll Or\'rln"ml.'lIt
L11.. F"mU)' Ridr,
Ridrr
RV SIONfNO nflOw. norrowrr .(,C"rll III" n_r~r, 10 Ihr Itrm" Jlld (0\1"111111' rnnlllntd In Ihl_ S,eu,I,)'
Inltrum,nl .nd In .ny ,Idtr(!l) r,"ul~d hy Bo"nw" Ilnll ,rt'mdrd \\'llh II.
Wltntllftl
''''''''''''''''''''''',,(~..,
tfFf;;e.. p;.!ff', ~
.""",,,,,,,,,,,,,,,,,,,,,,,,,.,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,Q~~~
11'11I' ..... '11I1 U", ,. ...............""
. "",cSt,,,
-10"0.,,
'''''''''''''''''',,,,,,,,,,,CStIII
-h,,_.,
"
"
COaUtOflWuUHOPPINNSYLYANIA...,., ,~?!~.,",..,..,..,..,."...,., ,Counlyu:
On Ihl" ,he. .llt~, "" "dlY .1, "AU&'IU".. , " " '''' , , .. 19 ,~,,' brIo.. m., ,~, ~p,t,~." ,fYbH,o"
. . . . . . . . . . . . . , , . . . . . , ,Ihe unden',ntd nlftc.r, rc"onllly .prr.rl.'d. , . , , , ' , . , . . . , , , , , . . , . . , . , . , , , , . . . .
.......".... J.U9y.8" Jluee ,.~d, '_,uhllt,II" JlI,ee.,,,, , '. , ..,.." knnwn 10 m, Co, """,...,lIy
prov,n) 10 he the penn..,., . whole name, t., .r".,.,. IlIh'alhr,llo Ihc within In\l,untrn, ,nd .cbawledlt'd Ih.1
. nt'...... .ulCUled 1M lime (0' Ih, ru'pnl4!1 h"reln conl,lnld.
IH WITH". WHII.O',I hmunl. .., my hlod ,..I nllkl,I...I, . . ::/~~~~P'~~ll
9 I..?a ()~' ,,',' .......
MyC"'lIlh'lonupI""61_ 2- . - - ',"':'.' , .':;\.....~
,C1>.t.tItP't..-,A.., ,Zi(~"",,'I"'~':;O;,=
v': . '-J~~!.IIJ.\':,"\'
NOTARY 'U!LIC _",'J,,~- .,...\.
. . , , , , , . . , , , . . , . , . . , . . , . , . , . . . . , , , . . . .:,- ;'t,'" '1 ".:,~"..: ~
"U." (llIIIle" )':"/':,' ".1.:,',',,'.'
, HEREBY elFITI'" 11I1' 1M Il'OCIH p11000
01 bul"'"1 01 the mortgllQee and ptI""n
InMMld 10 Intl,osl on this ",ortosgl II
2nd .. Plnl Str.." HI,rlobtJrg, PI. '7101
A,e:y~
luaK 9J3 'A&[ Gr,.~
~~:;;"::;T ,
Kat., I '
,....,,' '1'1,.. Of,.. I
~T.I
CONVERTIIJI.E ARM RJIlER
N. ,.."',.., c.,.
THIlCONV..TIILI AUt .10,,,1, mi. IhI~.U.b_ 411 It' ..MIQUI., . I.IL. ,,,., 1,lnrOflWI'.d hllat".
....11.. ..""II In ,,"'... .fNlIUrrl',",flllht Mntt,.,r. nCl'd II' Tnull" ~rtUlhr ,ltciJ IlkI' "~trlllll~' In"Nmt"I"1 II' thC' _Iml: .....1'
Ilw,,'" 1M -"J'.....l'~ ~~!!'n*"") In ~r.!ll.", .onu*t", C""vtl1~bt. AIIM N,,'" IIhe "Nnlt'"lln ------- .....--
!lI!n!.LMYJ1!.'<UU\>!iltU!9.!L_____,._,__._... .._._,OIh. ....ok' ,
.r ,''' ,rJl2 'W;t~H': rgr.r' trr.h~ I~I:-- ~",("'~~&,'~....., "d I,..."J "
.~ ..,.------.----.-.--.-.--.--
.----..- ---j;;;;;;,-~----- ..-.---- ..- -..
'II" NOTF. ("ON'''t,..~ rllln\'I~loN!' At I OWINU 'n. l'IUNrlf!'C IN III' IN rJ,AJ!\'
un ANIl TII" MllNTlII,Y rAYhUM, IF TII" INTUUI AAII INIMr.HB,
IOIIOlnA'UIONTIII,I' rAYhtFN U 11'11.1. n III<;IIU, II "n. INlu.sr M \ II
bICRr.AIII. IO..UW'.'S MONtlll" r"'\M',N-If\ \\111. t.... un"'.. oN 'II'.
CIIANO.. PAT'II,. nr.r,,"n nn,n", lun..' 0 " t~R M4\' ("nN\ F.M t. ''!IF.
APJlJUA..... a,uP' 1.0AN fNfn A nun "Al'" un.. "AHIf,Nr, tlllU'
AhlOUI7.1NO I.OAN,
ADlHnoNAL Conlil,un.. lit tddhlOll'Olhf '0""'"'' IIlId U""II.,III, mldl' III lh, Strurh) IlIouum,"'. Rlllfljlll,r ."d l,,,d,' IImhtt
QWt"IM 1M .,"'. '1 'ollo..~
A. INTERF,ST RATE ANIl MONTlII.\' rA\'MF.NT CIIANliF.!I
TlM Nntt'"'~Ictt. (", ...lnlll.llftl"..1 IIll'"' _. 7 . 50~.__. _,.. Thr NrM' run Ill" Ie', Chilli'" In tht inla:"t1 ,.Il' .nd Ih, mlllllhl~
"')"".', .. (nno..~
4. INTIUIIT IlAlI AND hlONTlII,Y 'AYhI"NT l.IIANII'S
tA) a.1"1' nil"
I.rt.~b.r ,19 12
'hit IM,,..I lilt 1,,411 rlY m.y l'h.n" "n 1M ""I rt.y 111..._______, I ,__.. llnlt I," IhlllltJr t\tr) _~.__Ih
tlWlftlh ItMft.,.", '.ach d.l. "" ....hlth my In'''''' "" cnu'" ,hllll" I_ nil,.. . "Chllll" Olllt ..
I'. ,.. 1","
8r,lnfllfl,.llh IhI nrll Ol.n" Illllt, my Inlt,,'1 rlllt ,,111 hr ".'td on.n 'nd,. Tht' '"l'~''' I' Iht "tc~ly I't'.,e )lrIJ""
Ur"IH !SIll" Tlrllllry ",1,,11111 IffJII,I,dllllltllnllllnI1't11t1IlliIY ,,' one. _ )tll'" II' "Ioldo' II' IIll"tolt;') Iht rtJ,.,..III,.""
...__nt. Tht '""II rtf.f11 11Idt. n,,,,, .nil."I,.. 01 lilt .fllll' I' Itll)' N'"" tltth Chlltlpt IM,- 1\ l.,II,','11w ('lInll"' 'nJII' ..
1(lhI IrwIc.l. no fnn,t, .....II.hl,.lh, NOI. 11"life, ",II thl'fl\t It "'W In&. ",hleh i, ",I'~-IIIIJ'l'n ~""l1rJ'J"',' lll'll,lIUIlIUI lh"
NOI' Hokk, wlll,lv. "'" Mtfln 0' Ihll ,hoi"
(Cl CII,.II.Ie.. If Chlnl"
I.,ort 'Kh Ch...., Il.", Iht NnI, 1I(lldt, will nleul.II' my n,w 1"III"llIlr tt)' IIdlll",. T"o In. 50/100
pt'''"I'" polnll f-L1!L.lJJ 10 lhr Cunr,U II\dt. Thr NIIlr flnMu ...iIf lhen 'r'l"nd Ihr 'C'\ulr ", Ihl!! IIdJllill" h' Ihr 1I1111,nl
rIM..llhlh o( OM ptrce"'.,. mini 10, I'~"), ThIII""nLf~J PI1111""' ...11I N m)' Mill I"I~'N fJI". ""lIf Ittt fit,' ("Il;ln" UJlt
11M Nl'M' IInldr, _mlh". d'I"",I,,, 'M .nltMlnl uf I"" "11l1l'1t1)' rll)'n~nllhlll ""uM "" 'lilli, .,'nll,' h'rJ) Ill,' rfllllllrllll 1m
'lIptclldlClO","' .IIN Ch,"" D.lc In Mlun the m.lu,lI) dllll.' III nl)'''''''''' IIIIC't"1 'lilt' in \I,tt',llIlllllIlI) ('1111111 r.l)nl~lll\ TIw I~~IIIIIl'lhl'
ok'u'"kN1.111 be IN ,.,. ,""","1 ", nlY mMlhly rl)'nk'nl ·
(D) ..".dh. DII. .f Ch.III"
My M_lnlt,,.I flit wUf MrM.W tfftrtlv' on ,.th (""lIn,r nlll. I win rllY 1M .nH'Unl nfn,)' nr" mnn'hly r,,)m,n' tIt,llInln,
IWIlht nfllll'WMlhf)' p')'''''''' dlllf .fu!, ,ht Ch."., Dlflt lI"hllltt '"'""1'11 n' my tnI'"'hl)' rll)"If"I rhll".r. "lIln
(I) Nil". If cttl"l"
1111 "'nt, Hofdt,.m dtll~"nf ",,1110",,' nntlC't "' .n)' ,h.n'flln my hllff"I nit .nd Iht .mrun' (I' my mnnlhly r.)nlfnl
Nf,,,. tM "rrcll~. d.lI,..f .ny rh.n,1', Tht Mtlrr wllllnrlultr In'mm.linn "qui'l'd ,,)' Ill'" It'tc ,h,n nK' ...et .1"," ,'" 111ft.,..
1."phMe f1y.t nf. P"'\M.hn "11I.n...." .ny qlJl!lulu" I nlllY hll\'e ",..,dln,lhe' "IIllre If f ;;..., ':I,,,\trll"' ItMn :I' rhl\id~J in
~(IkM1' o( lhl.. Hl'M'.lht "ndn ",iII.fll' hwl". 1m- '1II1Il1Aill' I"',,,ntlllll,,,:
lU IhI nlld IMlftl1 till' 1 *11I ply " I ,hnnlll! hI '"ll'~rt "If III.n Inln , filt,d 11I1(It'l Mt' It".n;
un the .""",IM D' my M* "","lhI, rl)'mtnl .. Iht lutd ,.It nr Intll,ll: .nd
(IIn ..........""'" Ih.n l'd'Ylf,omlhtdlll' IMnollu i, ,h.". ~y",hI,h I ",ull'U,,,I' IInlflklh,'I"L,ndc,.dorum'nl
,.. IN (orm 1".1 ludlt mI)' "q"l" uldrncl", IhI mndlflulinn of 1M Hili. 10 pm\lidf 'llr II 'l'IlIl'd i"I~"'I ,altt
B. CONVERSION TO FIXEr) INTF.RF.sT RATF.
T1w Nrrlf .110 P'O\'ldn 'hi 8"ft"...."." "",inn In rnnvert I'" ltllJu.tahle till krln InIO. rind inlerc'l fll, Mil" .. fnllll"'"
I. CONVERSION TO 71UIlINUIUT AATF-
'4) M, 0"" 18 ('H",I
o..Iht Ilflt enel '~'..qUlllt <.1Il1f1"rM,u).lmsyrnrw,nIMtdJU'I.hft,..,lnonnIdtM.dh)'tIlIINOW'nlct
. "lIdtr""'II lilt IDI.. ION (ully ",.Id i" '","I.nll.f1y 'quill mtlft'JrIly ply'"'.... crIprIMlra,ll.rttJ 1"""'1 0\'1' llIe ,.",.111111' II'''' of
IhI foe..
(I. MJ fl... III.., 1..1""' 1M M......" 'I,,,,,nl. ,,"
If I cftoMf IDC,,""'" 10. nuct Inl,,(lI"" .Ihe Nill' Ullldt, ..in ..II'" n..d,.It ctllflltNlllhid 1..10 pi)' "' ,...,...1 I"IM
.lIm nfcH dlt ,..,,1 Hmllll litln "'tltt,II'_ Cnr'fNWllllln'1Ihq"ittd N'I VieW rut flC).dl' .Ii\'ff)' nr )n )'ff. n.,cI 'lIff 11IM"'"
lull_.." d.y' "I", In lhr OIl1n,. Il." orI...hwh f .u"I\1 my t.......'"CM~.". ""'lil.'M""""'''' n'''"'...''..... ""'...
J)~ I JU..... U"".wh.,qulrdN.I Virldi'lv.lIl1hl',lhf "'ntr "'IIda:,.m...""IIItIM n..dl"'.,".."'..'..I..'.'...,.,.... f"UN
',~ ,,., "'. nud In",,\I ,II. "'III tIt,l'n'" ,f'nllv\! CWllht Ch'III,' 011. ""dicit' 'Y:r&lnl n..." _If" tll,
't" · 1M lnlluat rll' viII nol he e""naf<l by IIIOrl lhan ........~re'"I... lI!linl"",,1IIJ
chM,. dill. nw new Inl.,..1 r..te .MIl nol ~... to I ~~;.,~~.:.:.... .1"'"
t:: ~otIw.I~A/)A,r."v.\I_e, I... · ceUlnl 'lL.....u"u"',l!JrM~} I of,tJIIl"
~ ilia;: U13 '1&1 667
,
"'r .....hl~ perIM"'t 111M MW nud NMtrct' "'1' ~1I1 tic"" I. nf.hr nft' nWlth'. "1)"""11'":' thr (tll"" 0.., nn .tu<< h I
""''''n. Tht mGftIhI''')"N'M.1II he dw "''''''1'1111'1.11, "n,..u'l' hl,t"')lI.. fulllht rrlnrlr.-II.'lItIJWllrd hI""" IIllh~1 rh,,",,
0... I. MIM'I.-.I,", .11 pI~mt"I' em lfw "I.MII) d.1I1 II lilt Jlud Inlr,,,, "'t,
fC. HI. 'I C_wrt
Itl rhDcNt InflWlVfn.rwlll tw Nq"lrrd In II,,, IItd .kli\'trllIIM NIM. t1I1Mrr the du('unl'"' t\'llkncl",'hr mndlnull"" nr lhe
Nn.. ..khh,lM,..... ~I" '....H"... H,dllt,.. "ntlrr.. rtlll hlt.II" ~t(llun "F.h""I\' If IItrII 1'1," dlllh~." Ilhh"M 1j"l('IIOrd J'C'1II'1t.1
..m... hlV' ...hMtll)tM\'tn "".,... fin fut,l", 'nnthr, "r'~n"lI'IIM~' CIII"" Ilollt.. ....In.llr.,t&1 In !\rrllr'ln ~l "". In 11'1" r.~,
IhlIRt'ff""" Ihl' I.m pe, ""III rn",hnte I" .dju" In ..C'rnrd~nrt ...lth !lull,," ..
C. TRANSFER or TlIF: rROrF:R'l"Y 011 ^ nF.NF:FlCI^1. INn:ItF.ST IN nllRRIl\\'F.1I
u"lrnnn CnWN'" U or IN Stfu,ll) 1",,,unlt"1 I'" IIlltnlktl hI rrad II rlllhl,tH'
,,,..,,,IIU,, "'.""'.... ..",n,I.1 hll,,... h, h,ro~',. tr,lI", .n) ".t'I nf I~C rm,.c't'I~ 'If' '"' IlIlrtf\ll" II"
",14 utI"",,.md Inr If ,i>>""nrl.'I"'tr'JII" 1101'11"'" I' "lhll" I"n.r~",d ,nit B"t'ln"'" it IlllI . nlllut.1 J'C1I""IIIII"'IlI'
......, I"W .,lutIl tl'lrl",lIl. hPMf" ""~. II II' nrlinn, "'lUll' I""IM""" r~)m'"1 '" '"11 ", 1111 IlIm~ IUllltl1 h~ I~I\
S.t''''''~ '"""''''''" Ifn.nrr. ,hi, ~I"" \1'1.11,'1'" tot 'Ulrht,thr I ,",Jr. If '.'Iril' II r"lh,hll,,1 ,,\ '"1".11,,, "eI' 11'1,
".It DlI"'I. S","II, 1"""'''"'111 hn,trl .hn IhJII "III ,~.'I(t"f' 11ti~ eI"'~II" ,,, (lIn"telum '" 1111 ."~ hI, ,I' I"""" "HIlIII",
"1or1O"lMv,,,kM'n. n..d IIIM"I 1111' if.I.' nonll\lot' rllUof\luht ,utunlmdln hl"l" '"'nlln."1lfI "'Iu'"d II) I,",frl h)
.."'... IN Iftt,lWIrdl"n,r,rr," iF. rww lnun "tit h:-II'I' m.ttt' ItlltH- I"",f,,tr; ,ndlllll ,"....'I'.nn".hl) Iftlr,m'"" 11'1111
"'1'IlIr,'I.".un"...IlIM1 '" Imr,l,tdt-,I"" IlkllI ."umrlllln .ndl~llllhc Iloa. o,.htrlll.hlll .11) ,n\,nllnl eI' "'UI'I'lt"II" I"',
1tt,,,II, h".",,,,,,..II .rr.ftlllbl, 10 ltrtdr"
To IN ..I.M prrmhl,d., ,ppUtIlbl, 1.*. l,nd" mil' .~u,. . ,,'''eM.tII. r.... . l'n,"llllnn 10 L.nd.,', ,I),,"n' 10
... tor".....mrt~, lud" "'" .tlnlfqulrr lhe ,,,""t".,o 11'1l'1l."umpllo" .,,,,",,nl 11'11111. It"JIt.M. 10 l,"d" ,"d
..... otlIl'.... I'" tnlllr,rU In hrp ,III'" rftlmllto II"" ',It'''''"lo ,"uck I" Iht NIlIt 11",1111 Ihi. StfUIU" h""u",,,nl
Imm..., .111 fn'lt~II'" '" he nftll,.trd u".." IhI N,It' ,~ Ihlt ar,vlllf In"'U"lI'nl u"I... L,",I" "lrlMI .""""',, hi
.,11111'.
IrLt..'UtrIMIIM nplnnII) rrqll:rr Imltw,llnl' r")'"IfN l"fulI.l.nct,r ,h~11 ,~,.. HIlII""''' nlllin ",.".I."II(ln
T1w 110I1" .,"n pru~ldr. rt,lnct nr ftnIl'"lhlln\Od~~, h'lnl!ht dll' I"" "nllu II Itdi\,r..lf '" IIlJlkJ" Ilhill "hl(h Rnnn""
,",,,I pe,.II..m.vrurrdh)' Ihl~ 5rrurlly In"'UlllI'lIl Ir n""II"''' r.iI.III paf .twlt "'"I' r'"lllL\tht ,lrl'Jllnnnllhh pr,lnd.
U.' 1M, Inwt&;. '"1 """,dl'I rt',nllll,d h~ IhI_ S'(lIIil~' 1"'lllmltlll v.I,hnUI rUlli", ""II\" IIf \ltlllll"d "" H.lnnllfr
D. EFFECTIVENr.sS OF PROVISIONS
Upnr'lltWtOwtf" .'hlt'l n' tl'll,ufUlrd ",ndinn!l"n In !hl Nil!'. SUllo" It. .bnv, .h.1I fUll In br .'rltll~"
IV SIONINO BllOW.IIMfI'*" Hftftl' '"" "11'1'1 In Ih, ."ml ,nd fnlilfn'l'IlI fonl.ln,d III Ihl. CIM'I~tl1lbl. ARM IUd."
VITn~
L. .J
~"Wj~
L. "H. Ruff .'
~..\O.,,\. ~
'aulette H. "ull
UIII.
.101'..'
fS"I)
..DI',......
.
..
"
,>
- ,I, 'l;i.".....
.' ,
',.
iii 3J3!au 6Gb
j',..#'
..t,
...,
t
,\
l
,\
,,'
,
,I
.-,,#,
AUGUST 11
CONVERTIIU.E ARM NOTE
-No PI~m.nl Clpl
'rIllS NllTF.I.:()NTAIN~ I'RO\'ISIONS ,\I.I,OWIN(; tOR ('I"\~(;.S IN 1\1\' INTt:lUSI'
RATF. "Nil M\' I\111NTlII.\' I'A \ 1\1t:~... It 1\1\' INTt:Rt:S I R"'t, INOU,,\St,S. 1\1\'
MIlNTIII. V pA \'l\1t:N I'S 1111.1, lit: III1;m R, It 1\1\' INURt,S I R,\ It. m:nu:,\St,S. M\'
MONTlILV l'A\'l\1t::o. I'S 1111.1. lit: L()Ilt:R, ON Tilt: ClI,\NC;. 11.\ 1 ":,SI SI't,t:tt"',1l
IIF.I,()W. I MA\' Clll\HRT nit: ,\IlJI'SI \PI,t: R.\n I.llo\~ 1:\10 ,\ tlnll R,\\'t:.
u:vt:l. l'.\VMt::-a. H'I.I,\' AMORTl/,I~(; UlAN.
, IY.l!ft.. ,_~~_~Yl',-b.'n.l.!.n'''-d.._..----''-!tn..nuJ.1!AniL
I( 11.1 1"""'1
35 Old StlInliliDlUILilllad..._Gadhle._I'A....lZ.01J---._...._..-
11""''''11\ ',kJ'~'''1
.. BORROWER'S PROMISE TO 1'01\'
In relurn rllf a 11I;,n lhall ha..'c rel:cI\eu. I prllnu\l.' Itl pa>' U,S ~ ~LI600.!-Q..L._~__lIhl' altlllUrH j, \,'illl\,'o "Jlrim.:iJlal""
plu. inler.,'. 'n Ihe ullkr "I ,h. Lender The I.emler " __JIM!l!lS_.SAYlltG.S....ASS.O.CIATI!1.lL.__,
--------,----_._-_._-_._---~
I under\lamJ Ihal the Ll:nttcr may Irall,I'<,'r Ihl' \'111": Th\,'l.\,'lHkr Ilr ,ul)Une- \\'hlllll~C' Ihl' Nule- h> Irlln,ler ilnd "hi. j, cnlilktt I" rcccm:
puymenls under Ihi~ Nnlc 1\ cilllett the "NUlc Ullldl'r ..
2, INTEREST
IlIlcrcsl "ill bechar@:cdonunpaidpnndpal unlillhc full ,IllHlunl or prIncipal hiJ' h~~1l pilllJ. I will puy inlCrl'\1 ilia yeurly rille nr
7. 500 rk. The inlCrt!tt nte I will pOly will t,:han~c in a\.\"mttancc wilh Scclllln ~ ill' lhi, Note,
The interesl r:ue rcquirtd by lhis SCClllln 2 iJnd Se-cliun ~ of thi~ NUle b Ihe rale I v. ill pa)' blllh hcforl' and ..rlcr any default
d.s.rlbed in Se.'ion RIB) of Ihi. NOl..
J. PAYMENTS
1M Tim. Ind PIIU or Plym.nls
I will pit)' principal and Inlcrcsl by l1la~In~, pil)'I1lCnl\ e'lcr}' munlh,
I willl11ltkc my monlhly paymenl~ tll1lhc fir'l day llr cilch nlonth hceinnln~ nn .o.c.tober 1 . 19.8.L I ",ill make
lhcse paymcnts cvcry month until I hitve poud illlor the prin(lpal and inlCrC'i1 antt any tlthl'r char@c\ ttc!rIcribcu hclow that I may' owe
und.r ,his NOl., My monlhly p.ym.n" will ~e appli.d '0 in'.re" bef",. principal. If, un September 1 . 2018 .1
slill ml,e ilmounl5 under Ihis Note. I will piJY Ihose: am()unl~ In fulllln rhal date. "hich j, called Ihe "malurilY dale,"
I will make my mon'hly p.ym.n"" Second and Pine Street.
HarrhburR. PA 17101 . or" a differ.n' pl... if requir.d by Ih. Nnl. Hold.r,
IHI Amounl or My Inlllll Monlhly Paym.nl'
Each of my inili.1 monlhly p.ym.nlS "ill be in ,h. amounl of U,S. $ 402.76 . This amounl m.y .h.n,.,
CCI Monthly Paym.nt China"
Ch.n... in my monlhly p.ym.nl will r.n.erchans.. in lh.lh. in,.r." ,,'.Ihallmu" p.y. Th. No'. Hold.r will d.l.rmin. my
new inlernt rale and lhe chaM,cd ilmounl o( my monthly payment in iIIccorttance "ith Scclion 4 or lhi!l Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Chin.. DII"
Th. inltr.."".1 will p.ym.y .h.n,.on'h. fi"lday of .s.p"Mh.p 1 , I~. Indon'h.lday.v.ryU-lh monlh
'Mrurl.r. Each d.l. on whi.h my inl.r... rUle could chin,. i, cIII.d I "Chan,. 0.1.."
IBI Th. Ind..
B.,innin. wilh lh. ronl Ch.n,. D..., my in,.rntra'. will M b...d on In Ind... Tbe "Ind.." i"M w..kly Iv.r.,. yl.ld on
Uni..d S'"t.. Tr.I'ury ...urili.. Idju"ed 10 . .onllanl ml,",ily or one yco", .. made Ivaillbl. by Ih. F.dorll R...",.
Boord, Th. mos' ..cenl 100.. fi,ur. Iv.,labl. a. oi 'h. d.'. 4~ dlY' beror. n.h Ch.n,. Oil. i. .11I.d tM "Cumnllndol,"
I( 1M Ind.. i. no Ion,.. IVlilabl., ,he No'. IIolder will choo... n.w ind.. which i. b...d upon .om".rabl.lnronnllion, The
Note Holder will.ive me nolice or Ihi~ choice.
(el C.lcullllon or Chin."
B.fore t3ch Chin,. DOl<, Ih. No.. Huld.r willcalcul.'. my n.w in,.,," rar. by Iddin,Tvo and ~aJ100
ptr..nl.'. poinlS (2.50 0)) ro Ih. Curr.n'lnd.. TM NOI. Hold.r willlh.n round 1M re.ult or .hi8 Iddilion 101M nurell "
onc-.i,hlh nr on. perc.nl.'. poinl 10. I ~~'H Thi, round.d Imounl w,lI he my n." ,n'."'1 rll. un,lllhe n.., Chin,. 0.1e,
Th. NOI. IIoldtr will.h.n d.'.mHn. ,h. amounlor .h. mun'hly palm.nllh.. wuuld be .uffi.i.nIIO "PlY 1M prim:ipllllm
eape-cled lnowe i11IhtCtlan,t Dale in full tIn Ihemallmlydalealmyntv..tnlfrt!Uraltin!uh~lilntilllllyequldpuymrnl!.The...IUllof...il
Clleu'alinn will be 1M new .mounl or my mnnlhly p.yment, .
"Ul"I'''TI COHVI.IITIIU A!ltll NOTI-:I 0' , 'II' Tre..,,,, Inde'. (NO "JIM"' e.'H"'O" '''....ll-MllC......................
...
EXIIIBIT "B"
11I1 F.IT.dh. n... ..r Ch.nK"
My nc:w I"h,'n'" mil: wlll......L.tlltll' l'lf!:dl\l.' 11II1,'.I(h ('h,Ill)..','1 ),II\.' I \\IIII"'~ th..' ,11111'111\1111 III" 111..'\'\ Illll"lhl~ fl.l\llh,""1 hl'~lflrllllit
011 IhL' (j'\lllIlll1lhl~' I'J~IIIl"11I dale an.:, Ih.., Ch,It1Vl' 1>.111.' \Ill1l1lhl' .11I1011111 III 111\' 1Il11ll1hl\' J',I~llll'lIllh.ln~l'\ ,IW.''"
C.:I Nullrr..r ('hllnar\
'Tht Null' Jf"hlt:, \A'lll ddlvrr 11'111;11111) Ill" .111I'lll'l' 1,1 .111\' dl;llll!l'" III II'Y IIlIt'll'\1 f,lll' ,IIlilltll' allllllllll III my 1l1111l1hly pa)'1II1'1I1
ht:(llrc lhc I'HI'...II....l.' ..Iah: of ;lny ..:h,lnl-!l' -Ih.., nnllt',,' \%dllth.:lulk 11I11If1ll.111l1llIl''l1ll1l'" h~' I.,.... III h... I!I\ll'" IIII.' .llId ,II.." rh.., 11l1e: IInl'
h.'h,'rht1l1" IIUII1tx-, IIr .11X"..nn ..1111 ~ III ;111'''''l'' ,In)' '1Ih.""1111 I molY h.I\\'" (l'I-';I,dllll-' IlIl' tllllln' 1lIIII,IY run",,'" illY 11I;m .1' pfll\'ull',11U
SC(lllln ,\ lit" Ihl.. Nllh:. Ihr n,Ulce ""III ahll Indud..: Ihc IlIllil" 111).' 1II1I1rlllolllllll
IiI Ihe lI\c,lllIh:rc:..1 rail..' I ~III p.l)' III (hllll"'" III \"11II\1'1I11l~ hill 11I111,1 11.'-!'t1lf1h'!l'\1 1,111' 11I,1n~
HI) Ih\.' ;1II11IUI., ,If my nl'W tntlnlhly pil~'ml'f11 ,II the lI~,,'d rJI,,' III 1I11l'h,',I, .ll1tl
Itil~ ...dall',lltll !lIml' Ihan I~ J,IY' lrolllthedill"'lhL' /lllll"e I' }!1~l'II, h)' ~llIdIIIlHl'Il'\l'(tlll' ,lilt! ,ll'IlHr hll.l'lll.kr allu,,'lIl1h.'1I1
in Iht fnrllllhill Lender ilia>' rC4ulfl.' e"llkn(lI1~ Ihl: flltlthft(.t1llln lie Ihl.' Nllle hI prmni.le 1m .I fi~etlII1ICre"l rale
5. CONVERSION TO nxf.l) INTF.Rt:ST RATE
1M My Opllon 10 Con..rl
Onlhe fi r. t and .ub8eg!Jen_~_(hilnl!\'" ()i1I..:I,I. I may cnn\lcn Ihc adjll'I,lhlc rale IlIan cvidcn(t,I h)' .hl' N(lll' Inln
a rued inlert~1 rule Inan In he fully rrpuid in 'Uh\lanti..lly l'quall1l11lllhly paYll1enh III rrin(iplll antlllllerc\1 (1'o'cr Ihe rl'lIIl1inlMi! Icrrn ur
Ih.I...n
1111 My Find flal. nr Inltro.1 and Monlhly I'.~",.nl.
In ,hnme IU(lII1H'n IU OJ n"cd 11I1...rl',1 lall'.lhe Nole Holdl.'r will 'ellhl' (1\4:11 rall'of Irltl're,llhilll will puy ill a nlll' l'quilllo Ihe
,um IIf Ii) Ihe FetJeralllllmc LUlIfI Mnr1~Jwe ClIrpUillltll1'" "h'qlllrcd NCI YleltJ Inr t}l).d.ty dellv\.'r)' of ,W year, fi~etJ rale mllnll.l~c'
uvuilahll.' .as tJilY~ prlllr II) Ihe Chan!,\.' D,III: 1111 \l.hu:h I e~l,.'rl'I'l' 1II)' 111'111111 It) (1111\'1.'11, phi' Ill) thrce'l.'Il-!hlh, (If tine pcreclllap:e pmnl
(.J7~rf. I(no such RC4uiretJ Nel Yield j, a\lailabll.'.lhl' N111l,.' l")ld~'r \\ III dclernlll1l'lhc ""l'tJ Inlere,1 rale hy u!Ilin!,! acoll1rmr;lhlc figun:
The nc..- fill'd inll'rc,. rillr will hcntnlC eHcctl\le on thl.: ('h..llge Ollie 1)fI whkh I (IIn\len Itl a fixed inlcresl rail.'.
My monlhl)' payment!. althc new filled inlcre~t r.lle "'" ill bl'glll a, of Ihe I1r'\l monlhly pJYl11l'nl aner Ihe Change Date on which I
,,",,"'o'crt. The monthly puymcnl will be Ihe amountlhat b 111'cc)sary hi repay in flJlllhe principal I alii e"pcclccJ 10 t)WC al Ihul Chun~c
Da'e in substanlially equal pilymenls tin Ihe ffilllurilY dale ill Ill) lhl'd inlercsl rale
IC) 11010 10 C..n"'1
If I choose fo (on\len. I will he re4uired h) ~ign and deliver 10 lhe Nelle Huldcr Ihe dut:ulllenl e'o'idendn{tlhe mnoifit:a,h1n of ,he
NOll.' wilhin Ihe pt:rif>d sel in Ihe Note' HlIkll'r\ ntllke as pro\'uled 111 Seclinn 4( E) abu\". If I do nil' dn Ihis wllhln the !lpceitird period, I
"",'ill nul h.l\'c an Ilplion Ii) ,,:un\'en unlc"is I (an e,crci!ll' !lnalh!..'r llplinnnn nlher Chungl.: Oate, 01\ indicated I" Seetinn 31A) In Ihal elJ\c.
Ihe inlere~1 r;,le Ihal I ",ill pil)' ",ill conllnue III adjusl in aCl"md,ince with SeclillR .I,
6. BORROWER'S RIGllT TO PRF.I',\ \'
I hU'f'e lhe ri~hl 10 make pil)'menls n( principal al ilny time before the)' arc due. A pa>'01cnlll( principal only is known as a
"pn:paymcnl." Whrn I make a prepaymenl. I will lell the NUll.' HoltJer il'l wrilintl fhal I arn cJoin,g so.
I mil)' make a rull prepaymcnl or ral1ial prepayments "'llh~)Ut payin~ any prepJ) mcnl.;har~e, The NOle Hnlderwill usc 1111 of nl)'
prCri&~mtnb In reduee lhe i&nulunl uf principallhatl owe un\Jer Ihl~ NIlI!:. If Imllke il panial prepaymenl, Ihere will bl: nf.)cha",e~ in Ihe
due: datc:~ u( m)' monlhly raymenl" unle" Ihe NUll.' Holder .Itlree~ in wriling Ie' Ihme ,:hange... My partIal prepll)'mcnl will reduce Ihe
amounl of my monlhly paymenh after .he firsl Chan~e Dare (l)lh)",in~ my partial prrrayn1cnl. Hm'oc'Jer, an)' reduclion due 10 my
parti..1 prepaymenl millY be U(fliCl hy an inlerc,' rale incl"ciJ'C
7. WAN CIIARGF.S
Ira law, ",hkh applie\ to Ihi"i !oilln and "",hich ,CiS ma,imum luan char~c'. i, finally inlerprch:d '0 Ihilllhc inleresl or nth!:, luun
char~c!l clllleelcd or 10 h.: collecled in eun"celion with thi, loan e''''l.'cd .he pcrmill":o IlI1Iih. then: II) iI"Y such IUlln ch:.l"e shiolll be:
reduced by Ihe alnllunl nece"..,)' 10 reduce the char~e to Ihe pcrmillcc.l IImil: and IUla"y sum' alrcudy cnllecled rruln me whh:h
CJlCcttJcd pcrmillcd limih will t'lt rdunded In me, Thl' Niue HoltJl.'r may ChOtl'" In n1uke ,hi~ rerund h)' rcduC'inv lhc principull owe
untkrlhi!t Note orb)' mLlkin'lIdircCI payn'cnllo me, If a refund rc:du(c!t prineipul. Ihc redUl.:linn WIll he ."..a.ed .silpuniul prepaymenl.
I. BORROWER'S FAII.URE TO PAY ,~S REQUIRED
IA I lIl' Ch.ra" ro, Chtrdu. P.ym.nl.
rr lhe NllI. Hold., h., nol ",c.ivcd Ihc rull Imuunl u/ .ny munlhly puy,n.nl hy th. "nd ur l'
..I.nd., duy. ",Ie"he dUI. il is due. I ",ill p.y .1". cha'~c h>lh. Nm. Huld." The .mllunt ul'I"" <h.... will ho: '.00 'A ur my
u'o'crcJw pU)'n1ent of principi&lluHJ inten:'it, I will pOly Ihi\ 10111.' t:har~c promptly hUI unly Hnt:e un l:lKh hlle' payment.
eBI Der.ull
Ir I du nol I'll)' Ihe: rullllmounl nf each mun'hly paymenl un IhC' tJatC' il i.. du~. I ...ill tk: in fJdr.aull.
ICI NoU.. of D.rlull "
Ir I um in dcrllull. the NOle Hulder mil)' ~ntJ me OJ wrilfen nnlil'c rellinll me Ih..1 ir I tin nul pllY It.-: uvcrduc .mnunt h)' u ecrtth,
dlllf,lM Nllle Holder mlY ~uire me: lu pll)' imm('cJllllcly Ihr: lull atnuunl \)1' priMlpll1 \A.hlch h..... nnl h:.:..p.id .Nfllll.tt-: intcr.:"t.II", I
00.'" '"' Ih.1 'mounl. Thill dllr mU!'I1 be III lu" JC) dllY' uf'cr .hl.' lIalC' un whi..h lht.' nmice i... dC'livcrtd 'If mclllcd 10 mr.
IDI No WII... by Nil' Hold"
I_II.. IIIont ",he.l.m i. der.uh. the NOI. Holde, du.. nul ,.~ui... mt '" pay immtdillloll, Ia full.. *!lCrlbc\l.M.11lI
.... .111 "".. lhe;l.'" I" du ... ir I .m i. dor.oll .1 . 1.ler limo:,
te
" · '," ' O'D"~~'~~
. Ii- . "4 , \ ,j ~J.~i I,." ~j .~
, lEI '"Y_ IIl'Iol. Hold.... c.... Inti E.........
I( Ih.l'Ill1. HI~.' h.. ..qul..d m. III P'Y I",,,..dl.l.ly I" rull., d.,.,lho:d ......., 'h. N,~. ""hle, will h... ,II< ,I,h' h. he poid
blCk by me rur.U 1)( II" (O*\I\..ncJ upcn'lC\ Iu the (JlIl:"1 nul rn,hlhllCtJ h)' IIrpIiCllhl,,' III~. Thn~ c:ap:nw\ InclutW. I.., nymph:.
rcu~nnllbh: uuumcy"" r"Ci.
9. GIVING Of NOTICf.5
Unlc"s aprliclblc: haw require'" " dilh.'renr l1u:lhllll. IU1) nllli\.'l.' Ihlll lIlu\1 h,,' ~I\'C" III nil.' umkr Ihl, NOh..' will ~ vh,cn h)'
lJl:lh'crln~ il nr by muilln~ II by fu,1 cla.\1ri mlllllu !Ill.: .lllht.'llJllJl'.'r1) ^lltIrC" ah."",' IIr ,II J JIIII:,C"I ~ddrl.'" III ~I--I.' Ihe N,'IC U..llkr II
,,"II.. "r "'y dlrr...nt .dd,...,
Any nUlice IhuIIUU\' be ~I"'('n II' Ihl: Nllfl: Hllh.k, under lhl' NIIIC 1,10111 ~ l!"'l'lI h~ 11I111 I lnl-! II h)' fiN du" mall !lIthe Nnh: ttnllJcr
IIllhe: IIddrcs\ Muted in SC~litm 3lAl Uhd\'C ur ut II dlll'..:n:nl alliJr\:~' III aut ~I..'n J "lllll" ullhul lhllcr"'nl .uldrt'\
10. ODI.IGA TIONS or PF.RSONS UNIlF.R TillS NOTf.
If mnrc: Ihun \Jne perM'" \I~n' Ihl!'> NI'lt,l:uc:h ref'lIn 1\ lully ;J1lt1 flCr,unall)' IIhlll!,lIl'lllll h't:I1.J1lnllht: rrmm"," mud..' In thi\
Note, indudinJJ Ihc pruml!ro(, Itl pity Ih..: I'ull unlllUnlll\\cll, An)' ~r,nn whl' i\ a ~lIiJriH1hlr, 'lJrcf:-, llr Cl1lhlf\l,'r III Ihi\ NUle i\ ul'lI
obll~ill..:d ,udl) Ihe)(' IhinW!'l. Any J"!r...un ~hllla~..:' mw Ih...,l' tlhli~iuiiln'. InduiJlnl! Ihl' Ilhll~Jllt\n'" III a ~UilrJ'lIl1r. 'Urcl)' ur,,'m.lor\Cr III'
lhi!\ NUle, i!'l wi..... t1hli~ultd 10 ~...tp ullllflhc pfUnll"'c'" IIHllk In Ihl' NOh:. Thl: Ntlll' Hllhkr IIlJ~' l'nII t,.,:C ", rI~hl\ untlt:r Ihi", NIIIC' ul!uin\1
tuch f)l:r!roun indh'lduully ur utluin,1 ..!Iur U\ IU~ClhL:r Thi, mcun'" IhuIUn)' UIl\.' III II'" 111,1)' II,' 1\'41JlrL'tJ Itl rJ~ all "llhl.' wmllunl\ n~l.'d
und., Ih" NOle,
II. WAIVF.RS
I wnd ilIn)' other JK!f\lln ~'hu h;l\ uhli~ulill", um.!..:r Ihh NIII.: ~'III\1c lh.: riWhh lit' ,uc,elllrncnl und "1IIie.: (,r di!\honllr,
"Prcilenlment" meun!i 1M ri,ht In require the Nelle ~hlldcr III demand pa)'me:nl or arntlUn" tJut:'. "NIllice III di",htmllr" mean\ Ihe ri,ht It)
require Ihe Note Holder 10 l!i't'e nlllice Itl C1lhcr ",.'r,un!'> Ihal amuun" due hu\'e nul hecn puid.
U. UNifORM SECURED NOTE
Thi!l Note i5 I unirorm inslrumcnl wilh Iimilcd \luriillion' in '1IIne: juri\dic:lilln\ In ud..Jililln to the rnueclinm gi\'cn In Ihe NUll:
Holder under this Nole, II Munga,c. Deed u(Tru\1 or Sccllril~ (k1..tJ llhe: "Seeurll)' 1I1",lrumcnl"L dale..J the ~u,"c dalc U Ihis NOle.
prolech Ihe NUle Holder rrom pm,iblc Im...c\ which might re,ull ir I titl full keep Iltt:' pftHlll\t:'!'> which I mu~e in Ihl... Nllle, The SceuFlI)'
Inslrumenl de!\cribc~ how and untler ~hllt eundilic,", I muy he required tt) make Immt:'(!lal..: pU)'011:01 in "ull of "II amuunl'i I owe under
thi!i NOle. Some or Iho~ condililln!\ ;In.' dC!'Ierihcd a'l lolhlw~:
Tnnsrtrorlht Proptrl, or 18tntnclallnltrt~111I Burro""'tr,lrall or an~ par1 nl !he: f'f1lrcn> nr an)" ,"lcrc~1 in il i\
!lnld or lran~rcrTed lur lr u bcncfll.iullnlere\1 In Rornl\A.'er III ,old or Iriln\re"ed Jnd A\lnllWer I, nul a mllurill r('r,un) wtlhllul
Lcndtr'!\ rtlor wriucn Clln~ent. Lt:nder mOlY. iJllI\ opliun. rcqulrt: immediall' pa>me:nl in full nl' all \um\ ~c<:ured b)' Ihi,
Securily InmUINnl. "o~e\'er. Ihi, tlplion ,hall nlll bl,' exerd\cd by Lender it cv:rcl!'>e 1\ prnhibllcd by lederallaw II' or Ihe
di.ilC nr Ihi:. Security In\frUmenl, l.ender "I\n ,hall nlllt:',erci\C' Ihi, oplion in l:llnneClton wilh IIn)' ,ule or fran\rer O(cunin,
prior 10 1,1 con\'enion 10 a Oxcd intcre,1 rille if la) none'",...r cau\C~ 10 be' subrnillcd hll.cnder InfnrrnulillR required by lendtr 10
evululIl~ Ihe inu:ndcd Iran~rcret aos ir a new Iniln were bcinp: m:.ldt 10 the Innsrerce: aod lh) Lender reil~unilbly dc,erOlintsthul
Lender's \ecurilY will n61 be Impltircd h)' the loun a'5Ulllrtion and Ihat the ri!'!k or a ~rctu:h or uny cnvenanl or Iprccmenl in Ihis
Security In!'>frumenl i~ IIccepluhlc In Lender.
To the Ultnl pcrmillcd hy applicable law. Lender may ch;tr,e a reasonabll' fee 11\ a ('nndillnn 10 Lendtr'Hon!totnllo
the loan u'i,umplion. Lender mu)' uhn require the Irlln~(crec 10 \i~" an assumption iIlJrccmenllhlll I!\ u(cepfohle In lender and
Ihal nhlilZ06IU Iht Iranderee In keep ullthe prnml\e\ and iI~recmcnt\ mude In the Nnle und In Ihi\ Security 1"\lrume",.
UnrlUwer will conllnuc In be ubIiM;lh:d under Ihe NOll.' amJ Ihl\ Sccurily I"mument unle..!. Lemler releu!'>('!'! Bo"owcr in
wrllln,.
If Lender tllerci'l'\ the I'plinn tn require irnmedlalc pil~i'K:'nt in rull. Leoder ,hall ~i\'e 81IrTO\A.'er MiNier or aeceltrolton.
The nnlic:c '1hall pro\'idc a period or nolle\\ lhun ~Oday\ rrnmlhe dale Ihe nOli('e I' dchvcrtdor mill/cd wilhln which Ronowtr
mUlll PlllY ull 'ium\ .",cured by Ihl\ Sel"urit)' Inmument, If BorrH~er rails 10 pu)' thc~e ,um, prior 10 the expiration orlhis pe.WMt.
Lend.:r ma)' in\'okc any rCOledit' rc:rmillcd hy Ihis Sel:urllY Inslrumcnl wllhoUI runher rMniee or dem3nd on Borrow",
WITNF.S~ TilE H^."IjHl~) A~O SF.MHl or rUE U~nfA'Ir.~F.u.
WITNESS,
/ (. /(:" /
, ~ . ,/ .' ., ~ '.
~L2 ,".I
, . /
~.i"y II. RU/~~
/. \ .-
( ~ .~\, \~ ~,. ,-
- PAulette H,' Ruff . '\
ISnl1
. BorrCWWlr
15..11
. Bonow.r
"
.'/ .
1 ., J;J.. t..
,
"
lSot.1I
, Bor,ow",
ISI_~ (Jrl__ (1ft/)' I
!.
I,
I
,
I'
I;
~;
--
10. HARRIS
o ~ ,\\'I:'-J(;S B,\.'JI\
'1\1'1101111I11'1111' "'"'1'.
"'111..\ 1.11
11.1111 1',lIl!. P.'IUI,,\I\.III1.l 1;1", 1,'11
,'1,' :!.lh 11111
Ft'hrutlry J, 1996
COVER LETTER FOR NOTICE OF INTENTION TO FORECLOSE MORTGAGE
uroy H. Ruff
JJ Old Slonthou.ft Rood
Carlisle. PA 170B
Dear Mongagor:
EncloStd herewllh is Ihl! NO/Ice of Inll!nt of Forl!e/osur/! df rl!quirl!d by Act 6. You ha,'('
previously rtct/ved a NOlice unul'r Act 91 of 1983 which Sfl OUl cenain rights and r/!medll!s
available 10 you as a mongagor in dlfaull,
The enclosed AeI 6 Notice of In//!n/ion f() Forlclo.ft gives you notice of cenaln addlllonal
rrmedles which art Indeptndl!nI of any r/!mtdil's and riglus you "al'e under Act 91. Tht tOlal
of your rights Includes both your rlghls.
Very lruly yours,
SIacy Armslrong
Collecllon Counselor
SAlsjc
'il
, ,
;
,.1'
EndOJllrt:
",
" ,
W,, IIIUY ul,\'II.\1I1' .1"011 l't'r,I'oIllIIlY.lilf 11/1' IlIIlwill prilldflul "Ulllll/'I' uII,lullm",'r ,1'11I11.\ dill'
UNI'r 111,' 11I0"111'11".
I/you IrUIV' nll/ cun'd IIr,' dl'jimll willrill lIlt' lhi"y dllY flniod IIlItllim'l'Io,fl/rl' Ilfll/'I'I'dillg,v
hOIV' Millin, YOII .flll/ hmV' Ilrl' rilllrl 10 c'Ilf/' Ilrl' dl',(UIIII un(1 prl'l'l'lII IIII' ,\'//11' /IIuny Ilnlt' lip If/
unt hllllr hl'fllrl' Ihl' .Ihl'rltr.\ jilfl'do,HIf/' ,wit., YOII muy do JII "y II<IY"'II IIr/' lowl 1/lIIflllIII f!( Ilrl'
unpuld mmlf"'y payml'nl.\ plu.I' UIlY Itll/' 111'11I"'" dlflflll'.\ '''1'11 1111/', ILV Ihl' ""',\'IInuhll' II/Ioml'y'.\
/us and "fl.flS mnnfell'd wilh Ihl' fllfl'dll,mrl' ,\'//11' (find fll'ifonlr uny mhn 1'1''1"11'1'/11/'1/1,1' IIIIIln
tht mOr/H/lW). II Is tSllmUltd IIr/lI Ihl' 1'f"I/I'.I1 dtJ/1' Ihlll J'lIch /I shtrlJr,I' .\'(/It /'01I1tI hI' hl'ld
would ht! of1f1rn.r/mll/l'ly SI'f11tll/h,., 4, 1996. A nll/ia of Ih,' dll/I' of Ihe .I11,.rljJ',I' ,wI,. will hI' ,1'l'nI
10 y"u ht!/ort Iht .wll', Of /'OursI', Ihl' /lmlllllll nudl'd /fI t'ltft' Ihl' dl'follll wll/lnerl'u.\'/' Ilrl' IOlllln
you wall. You may find /1111 al any lime I'Xllclly wlrtJ/ IIr,' ft'qlliml payml'lII will hI' hy culfinll U.f
01 Ihe jilllmvinll numher: 231-2917, n,is f1oyml'lII I/IILI" he in CASIf, CASIIIER'S CIIECK,
CERTIFIED CHECK OR MONEY ORDER ulI/l II/fIde payah/I' /fillS fIIlht f//"'re,I'.1 slOll'd ahm'l'.
You ,flrould rellllzl' Ihal u shn;/J',v ,wit, wil/l'lId YOllr oWII,.,sh;p (1(1111' /lIIIr/,qugl'" prope"y
and your rlg'" /fI rl'lI/aln in il. 1/ YOII colllillllt' 10 1/1'1' ill IIII' pmpl'''y afta Ilrl~ .I11aiff',I' .WIle, a
lawsuil COlIlll he slo"t'd 10 el'lcl you,
You hal't' addlllonal righls 10 "l'lp proll'el YOllr in/aeJ/ in '''1' proP(!f/y, YOU IIA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PA Y OFF TflE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTIIER LENDING INSTITUTION TO PA Y OFF
THIS DEBT. (YOU MIi Y IIA VE TflE RIGIIT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO TflE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TflE
MORTGAGE DEBT, PROVIDED TflAT ALL TflE OUTSTANDING PAYMENTS, CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT 11/E SALE, AND 11/AT
THE 011lER REQUIREMENTS UNDER TlIE MORTGAGE ARE SATISFIED), CONTACT US
TO DETERMINE UNDER WIIA T CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HA VE
THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
I/)'ou CUrt Iht dt/ault, Iht mortgage will be restored 10 Iht samt position as i/no tlt/aull
hod occurrtd. Howtlltr, you art' nOl tn/llled 10 Ihls righllo curt YOllr dl'foull mort Ihan IlIrtt
firMS In any caltndar year.
Slnctrl'ly yours.
J. W. Shadtr, Jr.
Collecllons/REO Managtr
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February 5, 1996
COVER LE7TER FOR NOTICE OF INTENTION TO FOREC/.OSE MORTGAGE
Paultlle M. Ruff
35 Old Slonehouse Road
Carlisle, PA 17013
Dear Marrgagor:
Enclosed htrtwilh is Ihe NO/Ice of In/tlll of Fortclosure as required by ACI 6. You havt
previously rtcelved a NOllce undu ACI 91 of 1983 which Stl Ollt cmaln rights and remedies
available 10 you as a morrgagor In default.
71rt enclosed Act 6 NOllce of Intention 10 Fortclose gh'es YOII nOllce of cmaln additional
remedies which are Independent of any remrdirJ and rlghls you have IIndu Act 91. 71le (Otal
of your rlghls Includes bolh your rights,
Very truly yours,
Stacy Annstrong
Collecllon Cou/IJelor
SAls}c
Enelt>>ure:
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fus and costs cflnnfCltd wllh Ih, filrl'c/I/,Hlfl' ,w/I' (1/1//1 pl'/fllm' I/ny IIIlter r"f/lllrI'IIIl'fIIS mid,.,
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Wfluld ht opproxlmatl'ly .'il'pltmhl'r 4, 1996, A nmlcl' liftlll' dllll' liflltl' Slll'rijJ',I' ,\'tI/1' will he sent
I/) YflU bt/flrl' Iht sol,. Of CIIUr.I't, Iltl' lunlll/nt nudl'd /fI Cllfl' Ihl' tll'fOIl/IWllllllcrl'l/.11' Iltl' lonlll'f
YflU wall. YIIU may find flUI 01 allY lill/I' I'xaclly wlt(l/ lite required paYII/1'1II will hI' hy ('allilllllls
OJ Ihl' fill/owlnll numhu: 231.2917. 71ris f'l/yml'lII 11I14.11 hI' in CASII, CASII/ER'S CIIECK,
CERTIFIED CIIECK OR MONEY ORnER II/I/IIIII/dl' pl/Y/lhll' III 14.1 11/ Ihl' (/(ItIrl',u .lillII'd I/lmvl',
YOII ,IIIII/I/d Il'alllt Iltlll a ,\"''''iIT.I ,\'tI/1' Ivill I'lId Y"llr I/IvlIl'l.lhip IIf Ihl' IIII"')lI/)lI't! P"'P"")'
and your righl III rt/l/aillln ii, /.fYIIII (,Oll/illlll' /ll1i~'1' in Ihl' pmpl'ny q{t/'r Ihl' shl'riff's ,\,///1', a
lawsull cOII/d hI' startl'd /fI I'~'icl Y"/l,
You hovl' oddiliflnol riglllJIII hl'lp pmll'('1 Y/l/lr inltrl'sl in IIII' pmpl'rly. YOU flA VE TIlE
RIGIiT TO SELL TflE PROPERTY TO OBTAIN MONEY TO PA Y OFF 11/E MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTIIER LENDING INSTITUTION TO PA Y OFF
77IlS DEBT, (YOU MA Y IiA VIi TIlE RIGflT TO SELl. OR TRANSFER TilE PROPERTY
SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WIIO WILL ASSUME TilE
MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PA YMEmS, CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TilE SALE, AND THAT
77IE OTHER REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISFIED), CONTACT US
TO DETERMINE UNDER WHATCIRCUMSTANCES THIS RIGHTMIGIITEXIST. YOU HAVE
77IE RIGHT TO IIAVE THIS DEFAULT CURED BY ANY TlIlRD PARTY ACTING ON YOUR
BEIIALF.
If you cure Iht defaull, Ihe mortgage will bt reslorl'd 10 Ihe same pO,filion OJ I/nfl defaull
hod DCcu"td. lIowtvtr, you art not tntitll'd 10 lhis righllo curl' Yflur dt/Ollll mOIl' l1Ionl1l"e
limes In any caltMar ytor.
Slncertly YOllrs,
J. W. Shadtr, Jr.
Colltcllons/REO Manager
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r:i1 SAVINGS BANK
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February 5, 1996
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~ sub.scribtr btlow of the U. S. Post Office located t1I the Federal Building, 228
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Walnut Street, Harrisburg, PA, does htr('hy certify thtl/ an envelope was moiled with postage
f'rpald by First Closs Mallfrom tilt Harris Savings Banlc, addresud to Paulelle M. RI4ff, 35 Old
Stonehouse Road, Carlisle, PA 170/3 properly dtposlted In the U. S. Mallfordelivery this 5th
day of February, /996,
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"'011&11&1' If yoo rOlllllly wllh thl' 111'0vi,iolls of 1I1l' 11'11111'11 W III"'" , EIIII'I'III'III'y 1\111I11111111'
^N.~lslllnrl' Ad of 1983 IIhl' "Acl "). VOII III11Y he 1'lIlIlhll' rol' 1'1II1'1'1I1'III'Y l\'III1101'1I1'Y
IML~I""rr If YOllr dcflllllt hilS hl'l'lIl'llIIsrcl hy ril'rlllll.sllllln',s IIl'Ylllld YIIIII' rllllll'ol, YIIII hllvc
. rl'l~Ollllhll' pro.~pccl of rl'SlIlIIhl1l YIIIII' IIIl1rt&1I111' PIl)'lIll'lIls, 1111I1 if YIIII 11I1'1'1 111111'1'
rllllbilily rl'lIl1irl'lIIl'lIls l'slnhllshl'd hy IIIl' 1'l'lIl1,sylmlllll 1I0llsinK I'illllnn' "I:I'III'Y. 1'Il'IIsl'
I'l'ld all of Ihls Nlllirl'. II rllnlllills 1111 l'~llhlllllllon IIr YOllr rlllhls.
Under the Acl, you are entitled to a lempmary stay of fllrcclosure on Yllur morlgage for
Ihlrty (30) days rrom Ihe date or this NOlieI', During that time you must arrange and allend a
.face-Io-face" meeling with a representative of this lender, or with a designated consllmer credit
counseling agency, The purpose of this mccting is to allcmpt 10 work out a repayment plan, or
10 olherwise sellle your delinquency, This meeting must occur in Ihe next nO) days,
If you allend a face,to-face mecting with this lender, or with a consumer credit
counseling agency identified in this noticc, no further procceding in mortgage foreclosure may
take place for thirty (30) days after Ihe dale of this meeting, The namc. addrcss and letephonc
number of our representative i.~:
Stacy Armstrong Collection Counselor
Harris Savings Bank. Second and Pine Streets, P,O, 8m 1711. Harrisburg, PA 17105
(717)-231-2907 or 1-800-554-4572, Extension 2907
The names and addresses of designated consumer credit counseling agencies are shown
on Ihe attached sheet. II is only necessary to schedule one face.to-face meeting, You should
advise this lender immediately of your intentions.
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Your mortgage is in default because you have failed to pay promptly installments of
principal and inlerest, as required, for a period of at least sixly (60) days. The lotal amount of
the delinquency is $2,238,06. That sum includes the following: A partial paymenl of $7S,OO
for lhe month of October, 1995 and payments of $525.29 for Ihe months of November, and
December. I99S and payments of $514.04 for January, and February, 1996 plus lale charges
totaling $84.40.
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Your mortgage is also in default for Ihe following reasons: None
If you have tried and are unable 10 resolve this problem at or after your face-to-face
meeling. you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do Ihis, you must fill oul, sign and file a completed
Homeowner's Emergency Assislance Application with one of Ihe designated consumer credit
counseling agencies listed on the att.achment. An applicalion for assistance may only be obtained
from a consumer credil counseling agency. The consumer credit counselin, agency will assisl
you in filling oul your application and will submit your completed applicallon to the
Pennsylvania Housing Finance Agency. Your applicalion must be filed or poslmarked. within.thirty (30) days of your face-to-face meeting,
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or (f YtllI d" n/ll Jill/"lII Iht' 11111,." ,I",,' 1'f'riIHIJ Jr'I""II ill 111;.1 "",n. ,/i""t'I",I/Ifj' ",,,)' ",.01:/'/'"
URU/f1.Y' )'IlIIf Immt' I"''''I'/I''I//'I}'.
Available funds for emergency morlgage assistance are very limited, They will be
disbursed by the Agency under the eligibilily criteria established by the Acl.
It is extremely important that your application is accurate and complete in every respect.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after It
receives your application. During that additional time, no foreclosure proceedings will be
pursued against you if you have met the time requirements set forth above. You will be notified
directly by that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 210 I North Front Street, Post
Ornce Box 8029, Harrisburg. Pennsylvania 17105. Telephone No. (717)-780.3800 or 1-800-
342-2397 (loll free number). Persons with impaired hearing can call 1-800-342-2397,
In addition you n1ay receive another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intenllon to Foreclosure". You musl read both notices, since lhey
both explain rights lhat you now have under Pennsylvania law. However, if you choose to
exercise your rights described in this notice, you cannot be foreclosed upon while you are
receiving that auistance,
Very truly yours,
Stacy Armstrong
Collection Counselor
SM/sjc
Attachment:
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<.:111':1111' \'I)t:,\:-'U.Ii\C; ,\(,",,\1.1",:)
ClllIsumer Cre,ltl f:llu"sclilll: Sl:r',i,<: ",. We~,lem l'<:nn~,:"";lniil. 'nc,
2000 LlIIg!c~hlwn Rll3d
H:mishurg. ",\ 17102
(717)-5~I'1757
Fill3l1ciaJ Services Unlimilell
117 WCSl 3rd Slrcel
Wayncsboro. PA 17263
(717)-762.)285
Urban leIguc of MClropoli13n H~rrisburg
25 Nonh F ronl SUCCI
H:urisburg, PA 17101
(717)-234,5925
FAX 1(717)-232-4985
YWCA of Carlislc
301 G SUCCI
Carlislc. PA '7013
(717)-243-3818
FAX I (717).243-3948
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ACT 91 NOTICE
TAKE ACTION TO SA VI!: YOUR 1I0ME FROM
FORECJ.OSURE
The Commonweallh of Pennsylvania's Homeowner's Emergency Morlgage Assistance
Program may be able to help you, Rc.1d lhe following nOlice to find out how the program
works.
If you need more information call1he Pennsylvania Housing finance Agency at 1-(800)-
342-2397.
La notificacion en adjunto es de sllma imporlancia, plies afecta Sll derecho a continuar
viviendo en su casa. Si no comprende el contenido de esla nOlificacion oblenga una traduccion
immediatamente lIamanda esla agencia (Pennsylvania Housing Finance Agency) sin cargos al
numero mencionado arriba. Puedes ser elegihle para un preslamo por el programa lIamado
"Homeowner's Emergency Mortgage Assistance Program" el clla) pllede salvar su casa de la
perclida del derecho a redimir su hipoteca,
ACT 91 NOTICE
IMPORTANT: NOTICE OF 1I0MEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE.
YOU MAYBE ELIGIBLE FOR FINANCIAL
ASSISTANCE wlllcn CAN SAVE YOUR nOME FROM
FORECLOSURE AND IIELP YOU MAKE FUTURE
MORTGAGE PA YMENTS
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DATE:
February S, 1996
Account No. 0104011332
Paulelle M. Ruff
3S Old Stonehouse Road, Carlisle, PA 17013
35 Old Stonehouse Road, Carlisle, PA 17013
Harris Savings Bank .
Second and Pine Streets, P,O, Box 1711, Harrishura. PA 17105
RB:
TO:
MAILING ADD.:
PROPERTY ADD.:
PROM:
ADDRESS:
EXlI~BIT "F"
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Villi IIII1Y he l'lIl1lbll' fill' nllllllclalll,""I"lIll1ce Ihlll will IlrCVl'lIt fUl'l'chlSlIl'l' 1111 Y"llr
morilAKe If YOIl cOlllply wllh till' l'I'Il~I.\illll,' of Ihe II 1111I1'0 WlIl'r; , F:IIII'I'I:I'IICY 1\I1II11l1llle
As.~l~tIIllCl' Acl of 19'U (Ihc "Al'I"). Villi 1II11Y Ill' l'IIKlhll' fill' l'lIIl'rlll'lIcy Il'lIIllllrnry
u,l\111I1Ce If Y"lIr defllllll hilS bCl'lIl'lIl1.\Cel hy dl'l'III11.,III1ICl'S h"YUlIII YIlIII' clllllrnl, YIlII hll~l'
. ~"'ollllhle prospecl of reslllllhlK Y"llr IIIllrtRlIlll' PIlYIIIl'III.\, IInel If Y"II 11I1'1'1 Illhl'r
ellllbiUly rl'qlliremenls l'sllIhlishl'd by thl' I'l'lI IISY Iv II II III II1l1lsIIIIl 1'IIIIIIICl' AKcm')'. 1'11'lIse
~.d 1111 of Ihis Nolice. II COIIIIIIII,' 1I111'XIII1I1I1Ilioll Ilf Yllllr rillhl'.
Under the Act, you arc entitled III a temporary ~tay of foreclowre on your mortgage for
Ihirty (30) days from Ihe dale of Ihis NolieI', Dllring Ihat lime YOII musl arrange anel allelld a
"face-Io-face" meeting wilh a representative of thi~ lender, or with a designated con~umer credit
counseling agency, The pllrpo~e of Ihis meeling i~ 10 allempl to work out a repaymenl plan, or
10 otherwise ~ellle your delinquency, Thi~ meeting must occur in the next nO) days,
If you a\lend a face-lldace meeling with this lender, or with a consumer credit
counseling agency Identified in Ihi~ notice, no further proceeding in mortgage foreclosure may
take place for thirty (30) days after the dale of this meeting. The name, address and telephone
number of our repre~entalive is:
Stacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P,O, Box 1711, Harrisburg, PA 17105
(717)-231-2907 or 1-800-554-4572, Extension 2907
The names and addresses of designated consumer credit counseling agencies are shown
on Ihe altached sheel. It is only necessary to schedule one face-to. face meeting, You should
advise this lender immediately of your intentions.
Vour mortgage is in default because you have failed to pay promptly installments of
principal and interesl, as required, for a period of at least sixly (60) days, The total amounl of
the delinquency is $2,238,06, Thai sum includes the following: A partial payment of $7'.00
for tile month of Oclober, 1995 and paymenls of $525.29 for lhe months of November, and
December, 1995 and payments of S5 14.04 for Janllary, and February, 1996 plus late charaes
lotaling S84,40.
Vour mortgage is also in default for the following reasons: None
Ir you have tried and are unable to resolve this problem at or after your fau-Io-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emeraency
Mort&age Assistance Fund. In order to do this, you must fill out. sign and file a completed
Homeowner's Emergency Assistance Application with one of the designated consumer credit
counseling agencies listed on the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency, The consumer credit counseling agency will wilt
you in filling out your application and will submit your completed appllcallon to ,he
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked. within
thirty (30) days of your face-to-face meeting, ,-
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