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II", ~hlrrl"orlt rJlIIPllll:tl1d the Iilhl!/rl.ff IJ1' ^1.I.1';IIII~;t1Y _ ClJlln~y, I'lfnnly1l1ania, lrJ 1IIt'-''''' t.hl!' within CIJHI'l.AlliL..::..I'lI)RT FtJJilL_._.._.._.._.__________.__~ _..,-~~_...-------....--.---....-.- .....--- ........--..-~ ()n SIl1r1l,llInlb'H l;Jth, 1')'310 , lhilfJ 'JtHr.:1f \1011 l.n rElO::lIIl.pt. 11! i thli IJltlwl",d nlt.lJI-n ir'Jm _,____.__.^1I.J~lJJJili.t..~__.:._"...._. ':"llnl:y, f'lfnnnyllllSnl.Q, 8horlt!'. COl!ltsl tin llnB\I/tr.- I .'- ;'-, '.r/ . ~ /(/ ,. ~'/-/ > "~~r~,..r""",,i' ,r;~ rr.74hriiiiiiil'lrrrii'i. "III r ar-~~---~-' Doe111ll1:1'10 nut o! '_ounl:y SUr'JhVr~!i' ^L~EO ~ Y COUNTY NOT^,i UULr.: ,",01/1 '~, 0\ll 2~lb0 33, (~(/J ~~~..ii iJlm\WI~ o In:tJAtI 0'3/1311 \)'1(J F. IH1l151/.: Hworn anJ oub~crlbed 1:0 bRfpre mW t. h 1 "'-:!!_'!. \1. _ d /l Y of J.~ (i";,...?'>o-> lY__9.L. A. f), .. , '~JJ'"), ~ '--... 'rL~ . t..... __ _ l.JT----,:!t!"',--I.--.. _Z;_~.__..__ l'ot.10I1IJ<rlry " !I IUO."I L,COO" 8h"I" . ALlEGHENY COUNTY SHERIFF'S DEPARTMENT n(j()M III ' GOlJlHllOlHiF /3 ,j", -1/1 ....J,UJ:HllllJIlOH, "A IIlUIO J VIJLLt,,-Y -?M, I<. j. "I"c.~/ Pho"'1 3hh4lU~} ('( I (II. PLAINTlFI', ,_ " C!O/~,1"y Y ) () AtW W {' r VII,' I /: ~XPlilf!!l ' , om, C v-1d6'((./~ vA YIINtJS ~ !luMMONIlII'nA~OIl'F. . . 'COMf'I./IINT ONLY !.OO, OE~'T I , NOTlOIl AND COMI'lMIT MD, IlHT, , , il~VIVM/!lCI I'!. OAilNIIlHEI: J ~ J / tI I I l.minnOOArOilWfI AOOlll:tl!l /'t,!:l H 11/j,.'-1 fJ4"fr~ II EXEOUTlON . LEVY PluT I?l. j 5 ;;'/~ I' OAilNIBHEI! MlJNICIPAI.ITY WAllO/CITY wlnn f)(J!1{'I'JWr II OTljl!il " 'li DATE: 10 ^Tr'Y: (ll (Jtl1/1ri!ttf.#' . PHONI!:... , _ d _, _ , JOliN "', "'."AMA"" Cht.tU.tl.1)! II,j(I/~J , ) / / IIHllCA1U lVI'U 01' G~IWICU II !'UAGOIIAL I, I'UIII5OI/ 1I1':IIAAllE II 1l/:!'lJII/U II CU/II WIL i I I'OIlIVIJ Ii Olll/:" II LUW II GIIIEO & 6TOIIE -------.---------.-.---.--.~---..----.~-.-- I--- Now._. lU, . I, BItEAII'!' 01' ALLEGHENY COUNTY. /'!. 'III h..ollY '101"11"0 Iho Bho,,1I ., .. C."llly I. ...cul. 11111 W"I ft,,,, "".. ..1"1" ""'001 occ.'~IIlU 10 10", HOTII ON...., ~I'PLIC~BL. ON WI''' or IICIClJTIQH, N.I. W~IV'" 0' WATCUMAN. "n~ lJIlllJtv 1111'111 l,v~:'1fl ul)lJIIIJ' .UII;I."Q Illl~ 11fI)1"'I~ LJlW" ~IIIl,n \/till "") I.,v, ..m. "'Ilhuul. w'Ithmllll.11I c;UlIIJII~ IJI IIthu"'..,." I, IUlmll." 1)fIU'":IIII. ."" IlIJI,tYi"O IlI"',ll l,IIIW)' IJI 'IIJt'hlll'"I, 'jtf,ltllJlJl IIb.I:I)' mlllll p.,lut .ueh 1.l1;l1lul1 "'II""IIJI '11)' lUll. d..lIutIIUlllH /I"IIIY.IIlI '"~ 'Ik" '11I'11'''''' IJ,IIJ" 'hili"', ..I, Ih"lItl' BellO, levy, edve/1I18 end sell alllhe pu/solloI prope'ly of Ihe defendenl DO Ih. p.eOllS88 locolod al: MAKE MODEL MelTOn NUMIlEn !lEnIAL NI/MIIEn lI0F-NBE NUMBER ~ SHI!~IFF'S OFFICI! USI! ONLY ~:'~~~_C~IA'~;~~~~'~:~;~~-;~:~:~'8::,'?fi,;;~. M'~~;~~;~;:'~;~;~~'~':'~~::;'~~'~I' ~;~~.:; I hh' "N~ 1'1111. m.tlnlf OU(h"N"'IoWli .__ _.__/~.___._._.... .__.J .l:.L.'J~~'ICG____~:/d .. ( .1 O,III"ItJ'1l1111 p",un,lI)' IIIV'" 11 ~lIull "11I11)' m.mb,' WIIIl \/tho,,, 11111 O.I.'ldlnllll '"'d'll' N.",. A nlll,I,IJ'llhl'-_. ...___.___.._____~..__ ( ! "dull." dlPIO' IJt O"hullJ.nl'. I.II"'"K' whl' "'UIOI.l IQ OIV' lip",,, IJ' ,,,llllollllhl,, 1 J M'I'~"/CI"k 0' plllt. oll04Qmg III wlu:h O,t,'m'rlll') '..IV.llt ,...__.."_ _..__._____1 (J ~g.nl '" 1)1111)" In chl'G' ul Ool'ndll""" 0111;'''' u.u,IIIIIKII 1,\' bU'IIII" ........-. .__.mu._.. __________,._.. r 1 Olh.,___.._~_..____.__..._.___.._________._._ ~~'~::':~"lt~II:~:~:'~~~~-;-'-'-v'~~-;;-~~-~~1~~;'''~7'~~~'~~;:~V.unl ~ 1\ Olh.t..._____-=--= I : C.,t"llkl M,lt ! ! n~'IIJL__~_ ... ( ) tt'JVlIoPI nIIU"Il!4~.__... I J Nlllh., nKllpl 0' ."~.IOI)' t'lu,n"\ "'''1 '~l)"ll__...~ (: ""!Jul., MISII WII)l.___.._n.__~__._.___.__.....___...____._.____.~_~.____________~_____.____...______.._ You ora heroby nollllod that on ,....._._~_....__,'__.. 19____._, lovy waB modo In the caBO ol___..._...____,_~ Sola hOB beon sol for._.___....._..____... .____, 10___, al ,__,.. o'clock. ui/ / "..' .. '::r:M;'J_':~~~:.~_ .........JI-.T..---.--J .....-_____.1 __ ,,_'._____ ~I _.... ,_. .. ___..1... ...___...._.... ~l:&;fL<M_ .9"m~~:zJ, . t'/1;I.III1II ~JIIIII ? Dopuly StlPi!lIll " )1\1,"'1 NOlour Pl,lilll OhUr I . . 1}lrl~hlJtqll ^,,1.\JIIH1~' t.lllJllly ~.1,,~, ',:UrII,",11l ~III'P '"'_1.11_,.,, .1~I1U,t'.\.21J/)r1 . _->>.U.II!LCOl' . Shuritl Yellt)w .6111l1l11 Plflk COP1' . AII'JIIH)'t , 'I"'f! r'fl, , '.'; ',; A~.:(r. ill '.' I)f " ..,"1 ~ r IN THE courn OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSVLVANIA VALLEV BANI< AND mUST COMPANY, 0 Olv','on 01 Dauphin Oepollt Bank and Trult Company, CIVIL DIVISION NO,: Plalnll", v, JOHN S, VAVANOS and EVANGELINE VAVANOS, Oelendanl., AND NOW, comes Volley Bank and Trusl Company, 0 Division 0' Dauphin Depo61t Bonk and Trust Company, by and Ihrough 115 allornays, O/Kesle, Grenen & Blrslc, P,C./ and 'lIF.ls this Complalnlln Morlgage Foreclosure 05 lollows: 1, PlalnWt Is Volley Bank and Trusl Company, 0 Division 0' Dauphin Deposit Bonk and Trust Company, whose principal place 01 business Is localed at 3607 Derry Slreel, Harrisburg, Pennsylvania 171' I ("PlalnIUI"), 2. Delendanls are, John S. Vayanos, on adult Individual residing In the Commonwealth 01 Pennsylvania whose lasl known addrellls 213 North Prince 5lreel, Shlppensburg, Pennsylvania 17257/ and Evangeline Vayano., on adult Individual residing In Ihe Commonwealth 01 Pennsylvania whoso 1051 known address Is 1641 HlIlsdale Avenue, PIIIsburgh, Pennsylvania 15216 (herelnaller collacllvely relerred 10 as 'Delendants'), 3, On or about January 6/ 1984, Delendanls execuled an Adjustable Rate Nole In ravor 01 PlalnlUI In Ihe principal amount 01 $25/000,00 ('Nolo'), A true , and correct copy 0' sold Notlllls marked Exhibit 'A', attached hereto and made a port hereat, 4, On or about January 6, 1984, os security tor payment ot the atorusald Note, Detendants mode, executed and delivered to Plalntlt' 0 Mortgage In the original principal amount 0' $25,000,00, sold Mortgage being recorded In the OUlce 0' the r?ecorder or Deeds In and 'or Cumberland County, Pennsylvania on January 10, 1984, In Mortgage Book Volume 743, Page 524 ('Mortgage'), A true and correct copy at sold Mortgage containing 0 description or the premises subject to sold Mortgage Is marked Exhibit 'B', attached hereto and mode 0 port heroot, 5. Detendants ore the record and real owners 0' the otoresald mortgaged premises, 6, Delendanl& are In de'ault under the terms at the atoresald Note and Mortgage lor, Inter 0110, 'allure to pay the monthlY Installments or principal and Interest on sold Note when due, 7, Demand ror payment has been made upon the Detendants, but Delendants hove rolled or rerused to pay, 8, On or about April 24, 1996, Delendants were each moiled a Notice 01 Homeowners' Emergency Mortgage Assistance Act 01 1983, In compliance with the Homeowners' Emergency Mortgage Assistance Act, Act 91 or 1983. True and correct copies 01 sold Notices ore marked Exhibit "COO, attached hereto and mode 0 port hereor, 9, On or about April 24, 1996, Defendonts were each moiled a Notice 01 Intention to Foreclose Mortgage In compliance With Act6 or 1974, 41 P,S, 2 t I 101. et,l8q, True and co,rect caples 01 sold Nollces ore marked Exhibit '0', otlaQhed here and made Cl port hereol, 10. The amount due and owing Plolnll" by Oerendonts Is os lollows: Principal Int.rest to 7/31/96 Late Charges to 7/31/96 Escrow Balance to 7/3 t 196 Attorneys' Fees and Costs (10% 01 Total Amounl Due Costs and Tille Search $21,324.53 9,171.72 706,98 (500,00) 3,070.32 _1.500.00 $35,273.55 TOTAL with Interest on Ihe prlnclpelsum ($21.324.53) 'rom July 31. 1996, ot Ihe role 0' $4,38 per diem. plus oddlllonol late charges and costs, additional attorneys' lees and costs and lor loreclosure and sole 01 Ihe Morlgoged Premises. WHEREFORE. ~Ialnll" demondsludgment In mortgage loreclosure lor the 10101 amounl due 01 $36,273,66. with Inlerest on th~ principal sum ($21,324.53) Irom July 31, 1996. at Ihe rote 0' $4.38 per diem. plus additional late charges and costs, additional attorneys' lees and cosls and lor loreclosure and sole 01 the Mortgaged Premises. DA TED: 7/']1 /U I I BY: 'I Scot A, Dletterlck. Esquire PA I. . 1i65650 Attorneys lor Plaint'" 4076 Markel Slreel. Suite 210 Camp Hili. PA 1 7011 (71 7) 975.3379 3 I I )1 I,) I, " , ,I. , , " I , " " I I I , I 'I " I , I, , I I.KW.IlI.!H. , I 11 II I. , " I, " I , , ,I " I, , I , 'I I I, !,/ I , , I; I' " , ADJUSTABLE RATE NOTE tWITlll.lMIT llN I Nn:Il.:IlT Jwn: CIIAI'IOlo;ll1 Thll Ooeumlnl Conllln. Provlllon. Allowing for Chungllln Ihl Inll'lll "III, Ino".... In 'hi Inl"..1 Rill will ""ullln High., Plym.nll, 0.0".... In Ih. Inl""1 RII. will ""ullln Low" Plymlnll. ChulI1b.nburM, P'nn,~lvlnla ,.';f~iJ~_~.G-~ l~ fLJf- ---_._..._.__.._-~--_..- 36 South Queen Street, Shippensburg. PA 17257 ...--.--..------.---,.-_.___~_n~ .______..... .__.__,____ I PNjJllltty AlhJtl'1II t ---- I. DOfUWln,:n's PflUM/tiE TO PA Y Itl ,.turn fQr u IQan Ihall hllv. '''''.Iv.d. I p'"IlII.. h1lluy U,/:l,' ~.t.900.00 __ (l111, umounll. call.d "princlllal"), IIlu. 1111.,111, IQ Ih. ,,,,I.r Qf Ih. 1..II,I.r. Th. L.nd.r I, Vall.y llllnk und Tru'l Comp'n~, I und.nLAnd Ihallh. l..nd., muy Irunlf.r Ihll Nol.. Th. LOlld., or IIn~lIlI. WillI IlIk.. Ihl, NQI. b~ Iranlf., and wl1Q I, .nlllled to rlc.lv. puym.nll und.r 11111 1'1'11. II <oll.d Ih. "Nolo lIold.r" 2. INTEIlEIlT Inl.r"l will b. dlllrw.,lonlhlllllllrl 'lfllnl1clllol which hOlnol h,," pllld, Inl.rlll will h. chur,l.d b..lnI1JnM 011 111. dol. 'If Ihll :-i,". IInd <'"lllll',lnw Ul1l1llh. fullllm'lul1lof IIrlnclpal hOl bO'l1l1ald, UOgi11n1111l '"l Ih. dill. of Ihl' N'll., I will puy Inlo,..llIlu Y'"rl~ rIllo of .JlL'IIl. TI111 rOlli, cull.d Ih. "Inlllul 11010 of Inl".., " Th. rUI. 'Jf il1l.r.'1 I wllIlIUY will chllllw' Il1uccordullc. wllh Soclloll I of 1111, 1'101., Th. rUI.llf 1111.r..1 r.'lulr.,J by Ihl. S.clllIll ul1d S.clillll i Mlhl, 1'10101'111. ral.1 will pa~ bolh b.rorllnd un., any d.fuull d..cnb.d 111 S.cliol1 7(11) of Ihl. Nolo, a. PA YMENTS (AI Tim. und I'llIc. Q( PII~m.nt. I will PIlY fmncllllllulld 1111"..1 by lllakilll/llaymul1lo oYe,y mOlllh, I wlllmllko '11~' 1110nlhly IIllymOlll. "Illh...>>..~ duy Qfollch IMlllh bOlllnnlnw 011 'F.r.e'll.uf'O.'t l; 19 .~ I will III II k. th.." I'"YI11.l1t. overy 11101llh until I have pllld all or tllo prlnclpul and Int.,lIland 'n~ OIlier ChlJrlll'l:I (ll!til'nlwJ la'/c)", thut I rnjl~' I)Wt' lJlhl..r lhl~ :'\'Iltt'. 1(. 1)11 ~.f'UI~ 20. t;)...~.1 bulIl!",l! flfllllLJnttlmdl'rthl1l NQI.. 1 will I'",\' Ih,,,. IIm'IUIlI. 111 full Oil thllt dill., whkh II clllled Ih. "malUnty dlllo," I will mok. m,\' mOllthly I'IIYI11111110 'lithe L.ndor'. of(]col"cutud 01 Chumbtrlburl/. Pfnn.~lvanla 17201,0459 or ut a dlffo,.nl plllco If ,.qulred by th. Noto H"ld.r. (8) Amount or MOlllhly Pllymenla . M~ Ill""lhly pllymfl1t Will bo in Iho alllOUI11 "f U.S. $ 2 79.64 _ 1'hll umounl will chan,lf if the ral. of Inl.,fallhol I mUIll'ay chollll... 1'h. 1'1111. Holdor will d.llrmlnelllY new rUle of Inter..t und Ihe cl1an,lld umounl of illY monlhly l'"ym.lltln occ,,,dllnco wllh Secllon 4 "f Ihla NOle, 4, IN'I'EIlEST HATE A:-iO MONnll.Y PA YMEN'I' CHANGES tAl Chlllllle Daleo Uollil1l1l1lH 111 1:/ ,t~. tho rill" "f 11I1.r..t I Will I'",\' may chllllll. 'm tho .JQ:Ili .IllY Qf Ih. month or ~.~~':t.__ I1l1d "l1lhlll ollly.'v",)l(l 12th ::::lIlth ICII",'k,,"/} ,,"I'I''''IIllolllh Ihorullflor. E:achdol.on which the mll' 1)( intt.irl'lSt \.'lluld l..'hllnUt> Iii t.'lllll'd a "l:hunMlt llilll1," (1\) Th. Il1de. AllY chollll.'In lh. rill. "f IIlI.root WIll h. bll."d Oil Chllnl/e. in Iholnd... 1'h. "Indu." ilrlllho"Contracllnl.,..1 lIal., Purcho.. "r Provln'I.ly Uccul'l.d 11"10.., Nllllonlll AVeroNo for 1111 Ma)or Typo. of l..nd.ra" aa maduvallabl. by lho Fod.rul H"mo Lou" !.Jllnk U,,"rd, ,,,:::J the Illonlhly aVerulle yl.ld nn Unltod SIOlol Tro..ury .ocurill.. ndjualed 10 u conllllllll11l1lurlty or;1 YOllr. II. 11111,1. IIYIlllllblo by Iho ~'.doral 1I..0rvu a'"lrd. ,('ht'~'k 'm/) IIlh' hOXJ If 11111 Il1do. I. 11'1 Innw.r aVllllohle, Iho Nnt. fIold.r Will eh"".o II now ,nolo. which II bll,od upon comparable Informallnn The :-;"to H"hl.r Will WIVO Ill. n'llIe. <If thl. chnlce, PENNSYLV,.\1111A-SlnHh. Fllmily-7 hl-FNM,\/Unl(urm In.lrum.nlllnlor.I,llal. Limit) ML.AItM.AllN.4IH3 'fh. nr~1 "..tl/N nl/ur. rur 11110 1'1111. 10 I~~! I. Ii ,. ':1111.,1 Ih. "Urllilnllll,"1n " Th. 11I"01 '....1111\ ,,,,,,I,,h'" III".~ 11~,.", il. ill' 1111' ,Iilll ..i5. ,JilYI h,C","' .lIch 1,'hl'"~O 1I111'",uII.,J Ih. "t'IIITOnl IlId.o," lei CO'l/Ulil"lln "C t'hllnM." HIltl'lIt'" wlIl:h I 'h.1l1.,.. 1111111_ UIl- :'\III~' Ifnl&hit ~llIlh'h,tllllnLI Iln)' a:hllnal~ In 11I\ WIt' Ilf IIHw,.,... 'I'hw NUl" Itl)hhr Will c.lcllllll. Ih. illll""nl "f Ih" 0111'."'11<'. ""ny, '''1''"''11 Ih. ','urr'"lllo1.. iln,1 Ih. 1)r1~III"llnd.. If Ih. Cumnl hilI.. 10 hll/h.r lhlln Ih.' I"MIII'" 111,1.0, tlli' N",. 1,,,1,1., "'II ,1,1,) 1/10 111I1'r'""III Ih. Inllll,llIlIl. "lIlIlorul If Iho Cumnllll,l.. I. '"Wor Ihiln lho q"NII11I111I"r> Ih. ,\111.11,,101., "III .uhl""'llh.,Jlrror.nco Cr"IIII/ll' Inlllill !hlo "rhll"..I, Tho N'"ol/ill,l., Wllllh,," rlJlJnd th.. rllKlJlt 1,I',hlll .,.t.hll.." lit ",,,II'rlll'tI!)" h, tht' 11"''''''Nl 11tl....1Iuurtllr Ilf IHlIIt Ihl'l."'Ud"., 1)1>1111 It) ~^~). HllhllPl.'t 1I, lh.. limit .tiahlllll1 ~I!l'tlllll II Il, h"Il/W lhll.. '1IlHIIII!I'IUIlOIHIt '0\.111 hl' till' nit". r/llL' IJf 'n'rrnt , nm reqlHtlltlJ tlllm~' 'I'h" Nlltll HlIldltr ~III HHm II..h'rllHlh' till' Ill'" UlIllllJlH Ilr 111)- m'lIIlhl~' IJd~'lI1l1l1t lhul WtllJ1t1 h.. IHJfflchlllll1) trlmy Ih. IHlhlulHhnM 'Jrllll'll'la' hilI linn' In /I,ll 'IIl Ow IlIutl,lrlly 1l.11l. .11 fJ1}' nl'~ rltll' IIf Illhn.'1i111l lflJhlllanlhally u'llhl' JJII~IJ1Ullh That ratltuh Ilr thlli "I.leUlllllnn \1.111111' th~. tH'~ IIIIIIIIJIII 'II 111)- 11I1/111111\ 1J1I>'1I1l'1I1 11I1 1.111111 Il11 ',".r.., /l1l1.'l'IlIlIlll.II Till.! rUll' III IIHl.'rllltt I .1/11 nltltU(I'11 tu IW~' ~'lIIlllh'\ lJr hI.' I II cnllllwtl 'Ir,h't'rt1jlbL'llilll iJll:>' IHllNlt' l~hllnllll Un", h)'lIIlth' thyn ~ tWIJ fntrClJl1luUI.' pllllltli I.! ,"'" --: lhll jJl.'rl'l'lIlll~t' pnltHb 1."'11';" '('h,'(k 'HI ,> 'JIll' hl/.ll rrlJHl thlt rdtu 1)( IfHllrltNt I huvlt bun IIII~11I1l eE) Errul/tlv. UOI. or Chunl/.. Thl! IWW mil' 1)1' IntlJnlltt ~11I hl.'lljllll' L'f1.'t'll\l' tin l'.ll'h l'hllllllt'I)llll' 1\\111 Pol \ til, Ill'" ,1I11"lJ/II 'iI 11I\ I!lOlllllll, IIl1ynunl ouch ,"Ilnlh bel/ll1nlnM '11111111 Or.IIIIIllllhl)' pll Y 111.11 I dillo of'.r Ihu Chllnwo 1)111. Oilllllho IllllllUIII'lf my 1II'lI1lhly JlIIYl11enll. IlMllln ..hllllw.d '>r I hllv. fully rUJlll,d lh. 1"1111 (~'l Nmlco Ilr Chonl/.I Tho NIllo fl'Jlder will 11I1111 '>r oI..IiY.r III 111. II nOllc. "C IIn~ <hilIlW..11l Ihellm"unl 'ICm)' l11uillhly JlIlYll10nl b.fore Ino ,CC..lIv. dill. uf ,I/IY dlilllwe Th. nllllc. w,ll,ncllld. 1I1fllrtllllllUIl rUllo"ed by low III b. I/Ivun moulld IIleo Ihollllu Ill1d 1.luphlln. numb.r ill' II p.r.Uil wh'l "'111 ,""",", IIII~ qU.'",," II11IlY hllYU 'Ollu,d,nl/lh. IlOlle., II, BORIlOWEWS niGHT TO PltEPA Y I hllv. Ihe r1llhllo II1ok. p"ynWIlt. "f pnlll'iJlollllllilY 11111. boCor. Ih.y IIr. du., A pa~tnonl of prlnclpol ollly i. known II. 0 "propllynunl." Wh.n Illlllku II pr.pllym.nl, I will 1.11 Iii. NQlo I-/Qld.r In u lOll" lhall am dol nil 10, ImllY I11l1kuII foil propilymenlur II pllrUlIlllrupllYI11.1I1 wllhllUl p"Ylnl/lll1Y p.nulty, Th. Nol. Hold.,wlllllouall of my p"lI"ym.nlo 10 r.duc'lhu 1I1110""t Qf l>rindpIIJ Ihllll 'JW. undo, Ihi, Nulo, If Illlok. 0 portlul prupoymonl, I,h.,. will b. no d.IIIY.ln Iho duo dill.. of I11Y l/lIlnlhly pnytn.III' ulll."lh. NQ'. Hulder 1IllJ'''"ln wri tI nil 10 Iho..d.lo~l, My pnrUnl pr.pIIYI11.nl W,II "dUl" Ih. 'l/IlUUIlI 'If my 11111111hly pnytn.nl' ollly Ilflur Ihollrel ChunMo Pol. Collowlnll my portllll pr.pllym.1l1 How.vlr, IIIlY r.,lllcli'lll duo lu my pllrllol pr.lluy.nl mo)' b. offlOl by an 1111.,..1 rUII Incr-eoau. d, LOAN CHAnGES If U IIlW, which upph.e 10 1111. Illon und which ..1. muxl/llulllluoll Chll'Mo., I. Onlllly Inl.,prot.d 10 Ihollh. interelt Qr Qlh.r lUll II churwe. colll'<:l.d Qr 10 b. cOIl.cled ill cOl1n.cUQn wllh Ihle 10lln oxc..d tl1. permlllod IImlll, Ihun: li/ony luch Illlln chllrl/o Iholl b. roduc.d by IhollnlOOll1 noe...ory 10 reduc. tho chllrll'lo Ih. pormlllod IImll; Ilnd III) uny oumo alrolldy coll'Clod from Ill' which oxcued.d p.rllllllod 1110111 will be rofundod 10 1110, Tho Nol. Hold., may choole to l11oko thl. rofund by r.du,,'n~ Ihe Ilrinclpoll ow. undor Ihl. 1'101. 'tr b~ llluklilW II dlrocl pn~m'nllo Ille, If u rufund r.duc., pnn<lplll. Ihe reducllul1 Will b. Ir.lIl.d 01 u pllrl/ill pr'pllYI11.nt. 7, BOnROWEWS FAlLl'nE TO P^ Y AS IlEQL'IR.:n 1,\1 Lllte Chorlle for Overdue Pllym.Il" Iflh. 1'1"1. H"ld.r hu. 11"1 r.,m'.d Ih. full illlll/1l1 'If allY uCmy 111<1I1Ihly I/lIym.nl> b)' Ih'.lId'lrllftljjln clll.ndor dilY. ilCler Ih. oul. Ill. duo, I will P"~' il I,,,,. chilr~e 10> 111l' :"1/1. Hllfol.r Th. Il1110lunl OJflhechurll' Will b. ~'\,orm)' oYercfut> pUYr11l;!nt 1)( prln':lp..l nnd Intl!rl'lit, t Will po)' lhllt liltl.',:hnrMe Ilnl}' 1,"1'(1 1m any lale pnymltnt, IUI n.foult If I do nol PIlY Ih,' full il/llOJU111 "f .il,'h l1Iunlhly pilymelll 'HI 11/11., I will b. In d.fllult. ICI Notlc.'" U.foult [f 111m In d.fuull, Ih. I'll/I. ffulder muy ..nd Ill' u Wnll.1l ""li,'.I.lhl1~ mOlhlll,f I dilnuI pill' Ih.uv.rdu.ulllounl by II certuln dille, Ih. :-1"1. H'lld., III Ill' r.qu". m.IQ /lUY 11ll1ll.dllllol~ Ih. rUlllll11oUnlufprinciplI1 which hll. nul beon paJd und ulllh. Inl.,e.llh,,, r ow.un Iholulll"onl, Thuldlll. mu", bellll.ollt:llJduy. uCler Ih.doleon which IhenoUc. II Illall.d 10 m. ur Ir "," n"l 1111111.01, :10 dilY. ufler Ih. dUle un whlcb Ill. d.livur.d 10 Ill. (0) Pllym.nt or NOle Hold.r'll COlto ond ENpl/nll.1l If Ih. N"t. H"lder hu. requlrd m. 10 pOl' I/Illll.dilll.ly ill full "0 d..cnb.d Ilb,JV., lb. NUl. Holder will huvo Ih. rillhllO be pLlld bock for 1111 'Jc,t. CU.I.und ,xp.Il... in .nforc'ng IhIN NolA! 1,'lh. ..I.nl nul pruhlbllod by upplicoble law. ThoN~ t>xpPntU~!i Indud..., ror eX/lmplr, rl'usunnblt.> oltorn',ya' (fifll II, I.lIVINO (W NO'l'IO:H Unt... 'llllhcnhl.low r.'IOlr.. 0 ,lilfu'.1I1111.1h,,,j IIr WIVIIlW 11,,11"., IIIlY 11'llIc.lhIlIIl1U.1 h'lI1v'll wlll.und., Ihi. NIII. will h. Mlvlll by ,l.ltv.nll~ ,I." h)' 1l1ll11t1l~ II hy flr.1 """1111111 1I.t.tr....'! 10 Ill. IIllh.l'rllp.rlY Addr... uhov."r ul . dlf'."nllllhlr... Ir I ~1'" lh. 1'1"1. 1I11ld.r " 11.,11"" 111111\ .lilfun'1l1111hlr... Any 111111"1 Ihol 111".1 I.. ~1\"'III11 IIII' N"l.ltlll,l.r '"\lh"lhlb N,,'" Will'" ~IV.1l hy II1111hllM II h~ nr.l cion 1l1.1l I" lh. Nole Ituldwr ul tlH' ,)lltht'IUi tflUll'i! 111 Ml'l'tlllll :\IAI L)llLl\l/llr ,,' LlllIlllltl!l1lllllllrltltlt If IllIn wI".,n II lloUClI)rthp, dlrC.,.1I1 lI,hlr... 0, Oll/.IUA'1'I0NH Ill' 1'1':IlHllNS UNlll';ll rlllM NOTE If lIlutl.' thull')l1lt l>L'rtlnn Iilllll~ ,hili NlIll', 1.'iIl'h Ill'tljl/l1lb 1"II~ llnd p,'rtiIlIHllly "hIlMiltL!,1 hi Ml'flp nil 1)( thlt proml... Illlld. iu Lhllt NUll', IndlJlilllM till' IItlHtlllU' III IJlI~' lht' fulllll1lllUIH II",Ll,1 ^n~' l)lIr~nn whtl IMIl WUlHlll'ltJr, lurety, or .nfJorur u(thl8 NIIIL' 1IlIlINllljhlll~IHl!d II) ttll thL'lit! thll1~tI ^II~ IwttJ'IIl whl) tl1kl1li ,Ph't thtt"hIIWlllIIJllllUIlIJ.rlh'lI NO"lu nllY lJlitrlon whlJ luklltlH\lL'r till' 'Ihll~utlt)n Ilf II W'IMull'llr, Itllrl'lY ,lIr 1'lldllrtiL'r 1I11111b ~'lll' Iii lJldl)ilhllvut.d In kL'ffl) 011 of lh~ I>riHllitu.'1I IlHllh' In thl" ~I}ll' Till' NIIII' tlolLlN mil)' 1'I\r'/rI'I' ltlt rlwhh lJndl'r tlllb ~Illl' uM'"lnllt tlllch Illtrlon IIUhVl(lolllly IIr Illilll/Hst nil tlflllt lll~l'tl\l'r Till" IlH'Ullh Ih,11 ,11I\ IIIH' nf lib IlIIIY' Ill' n!lpHrl!d III IIny 111111hllL' IUl1f1lJlltlll)Wltd ul101., Ihl. 1'1,,1. Ill, WAIVEltS I und lany Iltl\lJr l)lIr~1)1l \\'hll hul'i 1IIIIIWIIl\llllb IJllt\!n llllb ~1111! WlIIVL' till' nwhtlJ l)( pn.ll:llll1llHL'lllllnillll)lIctt IJf ,hllhonl)r, "Prl!IU!Iltllll!llt" IlWlIIlli tilL' rlllllllll rt''luln' lhl! Stltt.!tlllth1r l'I,It.'I1\iII1IIIHlYll1l'l1t ,)l" Illllounlr ciUIl, "Nullelf o( ,UIII1lJnor" IllIU11l11 that nwhl II) rt'qulrl! lhl! Nlltl! 1I'lldl'r lal 1I1VI.' Iltllll'll thut nl1\lIunh dut! hll\'1.' I1l)llHUPIl l)RiLl, II. 'fillS NOTE HECt:ltElJ IIY A MOll'l'GAliE III udd\liolllu IhoJH'lll"lI,)tl' Wlv.lllo th. 1"",. I !olol., ollol.r 11m Nolo. II MOrlll"N" '\IIll'.t Ih.lUIlI. ollhi. N"II, pr"lfclllh. Nolf 1t,,1 .r froll1 po..ihl. 10,.... which Il1lwhl ,.""Ii IC' do 11,,1 k..'p Iho proll1l... which Ill1uklln Ihl. Nol., Thul MorlY:IJKI! ,tItI:lCrlbl!1i hl)W "ntl untl...r Wlllltl:IJllllltllll1b ImllY Ill' rl"lpHrl!d III nlllkl.' Iflllnl.'thntlt IJIl)lllllffll in r\l.tl of .llllmounu ll)wr un11t.'r lhlls S'Jlt!. :111111t.' I}( lhlltiL' ..:c:ndlt!I)l1b lJrL' dt.'IH'rlul't! 111 Unl(l)rm Cnvellllnl 17 of lhlll MQrtMOWI, which pr<lvld." ild r"II<lw" "TrI'n""-' II' till' Prlltlfrl)'~ A"III11IIIl"Il, If ,,1\ "11111\ pun 'lllh. PII'IJrIl~ 'II "ll Il\htl'tlIh,"11II. '1l1tl,Jt ItllIuhn'.,1 h~ n.)tlIlW", \/Illh.)IjII....I',I" ~ l,n')1 \ot.llll,tlullll,1l1 HdlJ.hllll'lI Ill.. Llu11lJ1l'J11I h,n 'U "'l\nlllll~tllll(P 'lJh.!t,IIIl,'I' III Ihu ~l)rlIIO",d)llh. "'11.111111 'll;t PIJ,d1UU lll'lll..) .,.'\ml) Inli'IUI fLJI hou""'II,j 1lIlIlIIAIl.... 1(1 II 111I'III't h~ It.\.." ,In,,"1 '1I1)~ ')IJrtIlII"1l olIo'" IjP"1l Ih, '!Ulh Ill. 1"1'" I,nllnl vi ..I' Ihl' "'11111 'If Ilny hllluh'1101 ,nl.".1 'If Ihth' },"ta ,Jt I,.. ntlll'lltllllJllllllI III '11l1l1l111.l1 purchu', L.I\,I,r m",.. II lA'll.Jtt. ,)pllllll, It,oIl1" 1111 Ihl' l!,lIlII UI\I,.,I I" 11m M,'1111.' II) b, 1IIl1u..h.I,I}' 'Ill' In,l 11I1}llbl, L,nd., 111111 hll\' '''''1\1'\1 lijl'h 'JlllltlllllJ IIn.I""I... 1(, pn'lt II) Ih, ,,,1,01 IlIn,(" L,..nolrr "Illl Ih. Ilf""1l II.) W'h'llll 111... Ptop"1} II I,) h. 1,)iL. 'JI Irllnahn..II..dl'~T..rn.nlll1 "'ntlnalhM Ihft e"ol,', 'J( Illfh p,tllltllll11tl.flli.I'JI) It) L.nd" lInlllhll( Ihr mlll....1 p.).hl"IlIlh, ,UI11. Ir<url'\! h~'lhll ~t.Jtlllilll' Ihlll b. ot 'llrh Inll' .uIAnd.., ~hllll ''''llul IIIA/ILI,' 11". ~"I\,.j Ih'LlIlIIUIl IIJ ,(cl'l.tDl. \It'l\I,I,,J III Ilu. IlntllMtnllh 17 /tll,j II /l,lt1'J~,t . Ill,Hnlll Illllllttul hili urcll\t...ll wnHt" IIUlHTllllIUI1 '!lI....lllrnl J(('jll..lln wnllnll h) I AtI,jtr 1.1'11,1.., ,hull r..l. III I' IIl\n')"'~1 ("1m tlB <Jl:hlllt'lun. IIn".' 11m ~ILlt1"llllr In<l th.. N'H.. If L..Il,hr ....'n.... ~\jlh <1111\')11 III In.I,UI.. L,II'!" .hlllt mill I)llrrllllo..r n'lll'" 'If ",.(11,,.11')/\ 11\ J(('n,lllllfr "'IIh j:lltlllltllllh H h",,)( ~lj,h n,)ul." Ihlll IlflJ\-ld, · p.tlutl nt ll'III... Ilun III ,I"y, t"HIl Ih.. .I"t, Ih, nOII...lI1ll1u1rol wltlun IIol\1rh H')rt'lllott tllll) Pi)' Ih, lurn' t1tdo".j ,jU, Ir n'JlTH'UI rlill. 1'1 IllY 'lld1 .un" Ilfl.Jt II)lhrfllpltIIll.H\ 1JI,",h fl.n'ld, I...rlllrr m')'. Wlthlllll rllrlh.t 1l111ln'H olllllllnll'lIllllJtfll\UI. Ul\llk, dn~ nrn,ol'.... PI'fllllllt'! h) IJII,.~tlph I" h"..l(" WI In...: ~~ (?~~ ------ D --- - (Sull -porrow., John S, Voya s ~~ C?(?~ 0'<J.?'-4..tl/,'-:J~~.pLKYYU~ IS.ull Evangi?l'fne- Vayonos ~- -U'lrow" ------.-.-..----.-.. ~.--_.-_._. -~_._,....*---~ (Soul) -borrow., ~-_.,--_.--.--- ~--~-_. l~l'lltl -1\"H"I/IoI't (S'lIn 0""'"01 Only! (iUII"II/lI)llltlll Hu,'ut)l~hllll\llrUU"lU/lt Pur \'llluu Huculvu,l 111111 1I11""dllll III hu 10'111111.1' hllll/)d, Ilw 1IIldur~llltlo,1 ,IIIu~ lIuruhy IInc'lI1.lIlhllllllly lI"I1r11llltl" .ltld IJ""IIIII" ~1"uIV I'll' Ih,' d'lI' "Il"IIUII"IIIIIIIIII~'lllUlllllf ullch 11l~llllIlIlUnlliC princlplIl l/f 1111" Itlluru.1 1111 1111' wlIIIIIl 1\1 ",. U 1111" N'II" ," Ill1d whol1 ollch ~1I1" ItUlllllll1u'll ~IIIIII rUNllucllvuly hUCIIl110 """ IIl1d IJilI"hlll III IIl'I,'IIrdllIlC" wllh Ih" 10rl1111 tlwrullf, whulhur 1I11ll1l11JrlI,V 'II' hy duclllrlltillll, IIc,'olol'IIII'1II "I' ,lIh"l'l\lhI', ". l\ulI II. IIl1lt"dlll"lIjlllllllll~ 'tr 1I,j\"I/W"~ 1111" 1111 'lllwl'~ul11. 11111,1 hy 11/1)1 1\llldur Ill' "III" :-;'11" 1" 'II 'lIllll'II,,1I ','Ih" 11111llUI' IhUI'U'I'I""""'11l111l Ih" lurll1~ III' ~'II,1 ,"1,11<' '"' II," M'lrlllllUo ~u"III'ItI'1 Ih. "1I111" '1'110 1II1dllr.'III1"d h"I",,11I ",1111'1. ,'11,\ PI'I""I11I1I1"'1I fllr 1I11,1'lIlUlIl. l111l1n' "I' n"III1,IY'IIWI1I.IIo'1I1.11I" "I' 1"'11",,1, d""'II"'" IIIIIllh,. "hllll,'II"I1I' "h."hllll illld 1II1""l1dllllll\,lI, .111" 11,lt'llllh Ih,lIllhl1,tll 11"1 111'1",1"11",..1 JY ilny l!:,\rL'IlDllIlI Ill' llllltl "'II' lhl \'IIWlll 1)1' h,v IHI,\' I/thl!I' /Iljlltl!t lit. lhlllM Wh.llttIHf\'l'I' wlll.'I'ph,\' thl' l'ndl!I't;IUII11d II.'; i.hhIJhlll! jlQ.II',II1I.11' .1I\tll'llJl'I't\ '1l1h!I""'IM' ""IIIt! III' Il1ltlht IH.! fl.IL'UH'd 11\ CII",' d"'11I1!1 hi,' lIlildl' "II' 111" 'IIill'I' 'I' 11111'1,\ 1,111, d.I,I'. IIlllw 11",\'111"111 ,,' '"lY ,UIl1o dll" Ulld"r .llId /Illlrlllllll" :-;'11", lh,! l;l1d"I'."III,'d 11"1',,1>,\' 1'11111"1\,,1" ,Ill\, ,'II"I'I\U~ 'I','II,\' CIIUt'l "'r"I'III'd WlIllIl1l'W Lilli"" Slillo" 'If A 111 "t'1 <:11 "r "I~"wllor" '" ,I IIllI',1 I' f"I'tlw l'lId"I""II1"d ,111'1. WII;' '11' wllh'IUII"'l11pIIIIIII fllud, cIJllf",,~ )11"110111""1, '\1' II ~'lrI". Ilf 1"1"11"111"111", 1III"I/1oIII1l' l;lIdul'.11I1100l1l1 1'11\"1' 'If 1I11,V hlll"u,' Ihul'Ollf. II" 'If UI1V ll!rl11, fill' tho ul1pllld hili 11111'" III' 111l' IJrI 111'i1H1 I ""hI. Ildolllllll"III"oll1" III' .101 VII 111'''h I1l1d 1111 'lllwl' .11111" PI".t h~' 1I11,Y h,)ld"I'tllur"IIf III 'lr 'Ill hdwlf .,r Ill<' 11",1,"1' "f .1I1.t ~1'"'IIIIIII" :-;'11" pllrOUI1l1tlll II", IlIrl11. Ih"I""Jf,,, "f tho l\l"rlIlIIUO .I!<:lIrtI1U Ih,) ilill1W. 11111"111"" I\'lIh 1111"1'"01, Ih"I'""I1, mht. "I' .UII I111.t 1111 II11Url1uy'" COlllllllil.illl1 rOl' co/l"clI"l1 "I' rh 1'1:" I P"I'C"111. "r II", I,'lo,lll1dohl,'dl1""" "11 Whldl)lId'llllutll "r JII"lll1"'l1l. 01111 'Ir lIl"ro "XI!CIHIIII1. I1W,\' I"h"" r"t'lh wit II , 'I'll" \.'l1d"rilllll",d 1l<'1'"I>,v rllr"\'Ur 1\'1I1\'U" I1l1d 1'"1""",,. 1111 orrllr. ill .I1ld P"'I...",'dll1l1, WIII\"o ""1' "r ",\I'l"HIIII1, Ill. rlllhl 'Ir 111l1"1.1t11111 1I11.t ",~lul1"'llIlor 1I1ll" 'If [Jil,Yllll1l1l, IIflrl1l!t; hI l..'l)lldlllll 11 illllHl 11" illl\' fJl"lIwrt,\' Ill\'llld LJIJIII1I>~' \'lrllJllllriHlY t'iLJdl....~L!l'Ull,lll, unu W'"V~1S 1111 "XOll1pllill1. fr"1ll 1"\ \" "lid .,11" 'If ,IllY Ilt"'llI!rl,V Ih.H 11111\' " III' hl!r""lflul' 11111Y' h. UX"lllpl".t by' III\\', 'I'hll." pr~.ol1l~ .111111 hll1d I'll' L'I1.t"r~IIIIl<''' 1I11.t III" L'I1,lor~IIIIl<'.t'. hOlr., UXOl'lIllll''', IIdl1l1ni"trulllr. lIn" 1l.~IKI1., 1I11d th" IWI1"rh. h"r,,"r .hllllllll1l'" 1'1 thu pI1,\'O" "f .11'" ,\lortllulCo :0.:010, It. "ucco..or.lInd llilsllln., If "xo':uI"d hy lll'lr" thl111 'm" ll"rillll1, Ihlo ohlill.ltllllll1n" tllll ulldurlllklnll. horoundur .hllll bo Jllintlllld ."vorlll. WltlllJu Ih" dll" "X"CUtl"111 h"ru'Jf thl" .till' Ilf , III Wllnl!..od by': - (Sonll -- ISvull ----.---------- --- 1~1I1111 1~1I1111 AMENDMENT TO ADJUSTABLE HATE NOTE '1'1-118 AMENJ)MENT '1'1') AIJ.IlI:iTAIII.Jo: HA'n: 1'11)'1'1': IH 11I11.10 Ihl.___._~::J \.1, "._ <IllY Ilr .;::DIJj.ll,.'f\~.:i., It) 'l~t, -.1111.1 10 II I "'11'1 Ii Jrill 0<1 1111'11111<1 .hlllll," <1""'110.1 III IIl1wlI<I 1111<1 ."PlllolII""1 lh" AdjUMtllhl" Hlllo N'110 III' Ih" .'"IIl' <11110 Hhll "N'II."IIlIVOII hy II.. 1II1<1.I'.'14lw<I Illw "/jlll'r"'WI''')III Vlllloy Blink 1111<1 '1'1'11111 ('IIII1I11II1Y tlh. "I ,''tl<I l!t"') Tho N'llolH ."<'111','<1 hy II Mllrl14I114. 1111<1 A,ljllolUhl. 11111. 111<101"'1' 1110 .amo <1111" AI II II '1'1 llN,\/, O)"I.:N ,.\NTH Nlltwllhtilundlflw Ihl'l'lI\ 1.'lllllllh lllld II,"O'L'I'1I1I'IItti mlll!.1 1I11lw NIIIII, n"I"I'IJWt'I'lllld 1,1'lldlll',lllllll1dll1K III ho 10Vlllly blllllld Ill',,'h\' n""II')1I1 1111.1 IINYiIl' 110 r"IIIIW, 11"14II1I1II1N '"1 I Ill' .I,"" .lllh. Nil'" 1111<1 ':"I1I~~'pIlN ""I,I! Iw,'h,' IIlillllh. 01 ft "I' Ib" dill. .11' I Ill! N'llll, Ih" llft~'W wlllplI \' 111l"1'...1 ,II II Y"IIr1y rill.., 'II' 'Ii, I h,'l1l'olllY,,1 VI' I 1 ~111I'llllhh' PIIYlIIlIlllo wllllul :Ii ---~ '~hch 1l0NIIIIIIIIK 11\",'"'' 1121111'llIlbH IIft.1' 11ll! dill" III' Ih. 1'1111.1111.1 <'IIl1liI1UIII14 'lIIlil {l'l"IlIY'flllll' 12,11 m'llllh. IIfl.r Ih. .III III Ill' Iii,. 1"111", Ih. Illln'jwl!r wlllpllY 1I1l1!rllol, 11111 ,1'l!lIdy 'II'" III' ____.'.-'/1" '1'1.. lhirtllolllh 11:llh) Ihrllllllh II.. IW.IIly rll,mh 12'llhllll'llIlhly PIlYIlWlllo WIIII"':Ii ,~.:/ .J~._. ollell. C0Il111101lc!lllllwollly,rour l~oIll11'llllb. IIftl!r Ilw .I II II! "rLl.. 1'1'11., 11ll' rlIIO'lrllllor.HIIIII<I Iho m'lIIlhl~ PIl)'lllont willi," lI<1ju.Il!d illl"'cllr<lllll'~" Wilh II.. IlIrlll. IIflh. NII'o Th. 1'111. lI<1jlllllmOnllll ho III lido Iwollty, fourl2'11 1I1"nth.llflor th. .11I1.lIflho N"II/ .hllll 111111,.. lI"vom"d hy Ihll ~"lllIlIilllli'1I1'II1I1I1YChllllllo Dlllo provhlod f',r III tho NUl", Th" rill. IIrlll'"rll.lllllrrolwlIr i. I'I!II'II,,,<I "IPIlY .hlllllllll hI! IIICl'lIlIHO<l or ,]ocrollHorl twonly,four (~'I) 1II11l1th. IIrll!r Ilw dill" III' Ib" /\"Ill! by lI111rl! thllll '1'1(, frllm Ih. 1IIIIilllllllw or Illloro.t, Tho nllrrow"r. hllr.hy OIIlIl'lw"r IIIlY IIUllnwy "I' III1Y CIIUrt IIf r"c,1t'I1 wilhlll tho UlIllod SIIllo. ,,1' Am"rkll"r "IHlIwh"r" III IIPP"II I' r'll' Ih" IIoJrrllwol'H 1111<1, wi Ih III' wllh'lIJl c'lIllpllllllll1bl, C'1I1 ro.. j urlll0ll1l111t, (lr a.orio. or )U,]14I11""I., IItWlllHIIllI! Il'Jrr<1W"I'H III fll VII I' ,If IIIlY h'll<lot Iwrllllr. IIH oJf lIlIY '''rill, fllr thoullPlllrI bll!lInco III' Ih" 11I'il1c!pIII <lohl, IIddlll<lIlUII<lUIlK '11' UdVUIlCOII .1/101 1111 "Ih"r Kum. puid hy Iho h'll<lor horo<lftu or on bohulr of tho Burrowol'H pllrKIIUt1II" Iho tormH "f Ih~ Nute or Kui" 1\I<J1'I14Ullo, hl14olhor with unpllld intur"Sllhorooll, COblK of SUit .1t1" U rouH'lI1uhlo U tlUrlloy'H COmmiKKil/t1 Cor colloelion, Ot1 which judllnWt11 <JI' jl'dllmonlK one or moro "~O"Ull'lIIK muy iHHUI! r/>rlhwilh UpOII (uilur" l'J c"mply with uny Oflholorms lIt1d conditions of tho Nlll. "I' Hllid 1\I"rl14Ullo, F<lr KII d<lIt1K, Ihll NI/t" 'lr II CI/py "Clt K'\flll bOU.urt1clonl Wllrrllnt, Wi tn...: ,/~ ~.............- ..--- S)~C?~ .------- ~ ~ {jL!2~ ,._.___ _:C-. '- _______.. \ Johi1 S, Vayano~ -n.".~., ~~~~OSfl.~~I.,"n..' ..--- --_...-._~_.._.._~.-.~...-.__._..__._.__.... . h'._,~___",_, ._.--~--.__.. .-..._---.- "---'-~--- -1'utr'I~I1' ~---~--.._.,.._----- ---------.--.-. -!tII,,,.Mollr M~ARM,Adm,ARN," M;I " )1 I' ,I I 'I ,I I , I , I I II , " II I I Ii' 'I I.XW.I1CIt ' I,' :' , , I: " 'I " " :, I I, , , I, 1 ') I , 'I , " hi I II, 'I " , , MOR1'OAOE I 111M I\UIII'IH^'I~" ",,,1.11". <(, '.1' ~ ,I., '"~ -r",N V 9'\" "I II' P~, 1",,,,,,, Ih. M"",,,.,,,, JijUh p, YMNiVP fll~ ~YNiWI.IIIH YAVNlQP, hi. ~Il, IIWH'Ul "1111"11I""'1, "II~ Ih_ MIHI."M~", y..lIl1~ IhUlk .lthl 'I',.U.II'IIt"'h"'~1 It l'vtlll..hIW'" 1'1'''''.11I11'''1 m""l1lu',I .11111 "III.IIIIM "1111., Ih. lIu.. II' Plltll..~I~llHhf, _flU.. IlIhh'''I.l~h'llIIhi'I.IIIUM, F"lU~h" 1:1II""~, l'I'III1.~h'llIl1l I f:hIIIUnlllh""'III "I..,,~.,t'., Wlml~^~III"II"."'" '''''''''..1 10, I.."", '" II... I'''''' 11"" """ "I 11If.HTY-n Y~ l1"'V~1\I111 (f~~ ,1)lJQ.Oy 11"11.,,., ~hh II Itllh,hl...'''....11 rWhlrllrl'.' h.-lIulll'''''''I'. lIull, 11'11....' IIIt-II'1n 'Nlllv"" III"~II"II" III' 11I111I1hl)' 11I111..1111I11111. l.r 11I11I,111I11.III1III1II1U,.I. ~llh llilt 111I1111111' 1,1 III" IIhl..I'h'IIm..., 111111111'1011I1" 1111111, .hHI,llull'IH,.lhlllllll 'I'll HI':I 'I 'll~, 1'1 I "11I11" I'" III.. "'1111)11I1'11111' Ihlr 1IIIIL'I'h'I"I"..I'~ 1111'11I"11 h~ Ih, Nllhrl ~lIh 1111...",., 11I~"f1l1h Ih, IIII~tII'"~ III .,11"111,,, .lImll, "'"11 1'111",'.1 "!I'II'tllI, IIII~IIIII,',II" ,II nl,.I.III'.. h"'''~llh hllllllltk~ Ih. "'I'U"'~ I"~ 1111I1 MlUIMIIII..II11" Ih, 11I"hltltlllllll'"f Ih"'I'I~"lhllll.Ilt1II""'I1'IIII.'III.1I1 IIIJ""~I" h""IIII\lIIIIIIIII,'II. 41111111111111 H"'''~''''t1~ "' IUI~ 1111""11111\'111111'., ~lIh 1t11"".11I1I"~11I, 1111111" hllllltlll~I'r h~ I.IIIIN 1IIIIIIhllll IUIIII'IIIfMllh 'JI """""'11""111 "~'L1t"'" ^"\llIlIr.."t, III1"tI~H' IllIn hl,t..h~ 11I1'''.1111111, "'111I1 M'II1 '1IIIvl'~' h. 1,,1111.., Ih, ,.,IIII~IIIIIII"I'f1l1nl ,lrl',"I1'- 11Il'ltb,.111l III, PIIHlI.. 1,1 J.:~~""~"I"t . HI.I. II' 1'..III1....,y.I1UI, ^LL th.t <nt.ln lIlt .r .r...", wllh tho hulldl".. .,101 1..'''''....'''". thor.." .r.cI.d, Illl'IL. IJU thu I:lJtll.r I)t OtAnl&' 1111" '1"'''11 eitruL III Lh. Ih.lrt,IUKh or lihlllll.IlNh",rtc. l:lJaburllnJJ CI,IIJI)t)', I'ennl)'lv"'h, hllunJJut' I1nl! Ilu.:t1b..l! .. hUiJW.f I)H tll. ItUI. b)' '!WIII litrut I a)n tllu HlJrLh b)' ,'tol"'l''')' rl.lnllrl)' l,Ir Hr., ~1Ml1l hI1Y.t'l '''.IW Qr fl.lttHtl)' I,t Plfrc)' W, "1I1111"1 1m t1Ul W"tlt b)' !)'lJ1Utrt)' tQr.."rl)' ." ,hJhn ~. llt,,'utrl IIIUJ IU tllrl,,"rl)' III ~'llId" I.. l'lIl'1l1tn 1111 thv 114lHh .)' Orlllll. !lttll"t, d"lJ lot h..Yln>> ,. huntlKIf 011 l}ijUI1 tiltull IJt rUt)' 00) (ut, lIIuru 'H I.... 1111l! In .Ylln J.,lth 01 uvent)'"UYa C1~) t"ut, IIQU I.Ir IIIIIH. nKI~ij Ih. ..... which U"II.r H, lI.rKloro.d .nd Kurt H, lI.t.ht..d, h.r hU.b.nd, b~ Ih.h dud ~uI.d tho (t.tll 'In~.r '1,....."'11\... , I'J64 , ,. b. dul~ r.,urd.d IlItuWHh tn th. 1)"10 fJt th. }("':01'l!1l1' or 011....", In 1I11'" tor rUllIlu'rl,mlt rlllmty, r'nnl~lV'III.. '.nv.~.d t. J.hn 6, Yny.nllll ."d Kv.nK.lln. Y.y.".., hll wll., tho H.ttK'.OU h.t.ln. 51 "' ,- ru ,: r. = ~ ' , ,... ; B ,.,,,. It'I" I'; ~; ~l :'; '" i ; I whll'h h.. tit. "IIIINt'. "' 1"'.'1'."" "j.,',..atl l~~p.'llh ,q".VIl . ~ttv,.I, I~h'il IlIr,rll1 "I '"~"U)' ^"I"fI."I, ~h 111"""~""tH, I~^ ,J U~I, ,I 'lit' "M~":-I'Il~;1t ""lIh 1111 th. 1,")"11\"11I""1111111"" lit h,II"Rrt ~'~l&OllllIl IIUlI1tlllll!tl)', !Jill' 1111 IIII11'"IlWIU., "llhl4l, "11,I"tl'''''II''''', "111., tll)'dllll', mln"III. 1111111I11 Nil' "Nhe. 1I11t.! Iltunll. Wllh',. will., ".aha.. Iltlll ""lIlalt ."K:k. IlIhlull "khm'. nllW IIr h,,'t'IIIh, dlhh:httll.allhll'ltIJIIt'H)',..llllt wllld1,IIlrlUtJIIIN tl.!llllh'I'llIl'IlI'llIIlllhllhlllln.lh""'III,.hllll h. 11"'III~..1111 h. 111111 'l'llIl1l11 II 'III" II(tl" Pfl1llt'rt)' ~'II\"'l't1 h)' Ihl. MIINNIINl'; iJllilllllll(IIw (uh'NIIIIIN.IHMl!lh-'t wllh 111111 II"II"U)' III' II'. 1t'lluhllhJ ...1111* I( Ihll MII,IIIIIMt' I. 'In II 1""II"hllllllIlnl hl"I'1lI ,~rml'll hi ,I. "Ill "l'tlllll"I)'" 1I1I"llw,t L'IIVI'!llIlIlIt Ihlllll.ltfllww, 1111lWrllll)' IIl'I'I,.t "rthlll..luh' hl""'I)' l'lII1VW)'t'1111l1I1 hili II", 'INhlllllllllrINIIN', NIIIIlI 111I111'un\lI')' Ihll l"IIIIf'I~, th,u Iha> II'U,JI.tlv '11 1U\"III'''IIlIk!rl'll, 1111111111I111'1'111"1" will WIlr'llllllltllllh'r~'1l11 .a..n"'III1,v Ihlt 111111 III 11111 1"11'''")' ""WIIIII 1111 1'111111I1 111111 111'11111111111, ."hllld hi IIn~ ,1"I'III,ulllln., lIUUIllI'nt. III r..lrldllln. IIl1h'll III II IIl'llIlIl"llIur "'I..pllllllllllll'IlIl"IIN" In 11M>' Illh.llllIU'"IIl'lllllllh')' 1II.lIrlllN 1"'11111'''"11I11''1'.111I111. 11'lIlll'1ly 1'~;NNtlYLVANIA.-1 ., 1I"I1I"Y-"'7~-~'NMMI'III,I\W lINI~'()IlM INHl'IlIlM~:N'I' .MI.-AIlM-MIM 1/':11 I; !\ " IINII '111M' 11\1 h.\"I' "",,.."," fll.II...>I'I ....'...'11 111,1 ,." I ,. ',,11,.1'. I 1"'.11I1 Hll" 1""111~141 111111111'''' l'llt. 11"11""" ,11..1111I1111I1.11. I"'. ..hlll.hu'lhll 11111I"''''' "I '11If11"1I1..1 "" ",.. ""h "htlm .1I.}lIlIml,I I,. 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""''''''lIIIlItll ..11I1 A'III."1I 111111,"11,11111111)11I1 H".I',,,1 t.luhIIH.II'Wlllhlllll, III~ Iml'Il,,,111 .1U11 ,111'....11I1'111. 1I~'I'IIII"III,lIIl1.11 .11'11111111'1, '11hlllll' "whl" 111'11 Im,ll', "h,lllm'III' Ill, Ihl' "'''1"'.11)1' 111111'"'''''' ,11I,j ,I..ltltll ..II .'11,11" .1U.1 1I11"I"'I't, .lill'I" I h,IlIl' I""~IIII"". "'1"'" II11111h I ; hl"I~11 1\11. ".I'lhllll. .1ll.1 .11I1I'~IIl"1111 ,,, 1111"""1" "h,11I hI' .lllllllllhl "'~"'III 1'1", I il/IIIII"" .111.1 hl'lulllllll 'I'lhl' 1',1I001I,.lllh. ,,1111I~ MII,ltI,IWI' .1'1'1", '''1''11111'111'' "..1\ ,111.1 ,"I' 111,1101 h,' \I.I~I.., 1111+"1"..1 ", 111'1111'1111' 1""\11011111" III'II~I' It. NIIIIl'L', EU"III 1.,1 .IIl. 11111111' 1111'11I..1 '111111'1 .11'pllr.lhll' I.I~ 10,11"111\1'11111 ,J1l.llh.., "1011111I'1.,1.11.11I) ,,"111'1'111 11'I""",,.t pfll~llh',IIII' 11I1111. M",ltI.I",_ .h,11I hi' 111\ "11 II, IIhUhlltl"lI. II Ihllll ,. 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M..'llI.I,,1' 'II fh~' 11111' III rIlrallllun"'lllIl"I,I.".I.IIlIlIIIIl'h",' ~." ""MIIIII., IIr Ihll' I'rnlw,l.1 .\llIIlIlIIlllIlIlI, 111111 "II"I~ 1111I1 lit IIIl' 11'1I11~Il. lit 1II1IIIh'h,.llhl"l'lIll11,"hl 'It IMII.",,,..I hv """'llfIol" ..lIhll\l1 '",".IH~ 111111' ~Illh'lI ""1"1'111. "., l'l.hllll loll till' '""1111111 "I ,I Ill''' '" rill "lIlll,.IlIl'.' ,,"h'I'IIIIIIIII'III 111111 M"'IIl'ltll',lhl till'. 11'.11",,, ,,' ,I 1"".11,1"1' IIIIIlh'," "1'1 ..tlh ",h'I'III", 11,,".. h"I"'II'I,lhIlH ,." "' ,II,.m.h', h)llh'\lI~" .11'''11'111111 II) 1II'I".11t1l1l lit 1.1" "I"'" It... .11',1111 II/ ,I ,uIIII 1I'!l,11I1 ,.t 11111111' 1I'.lIlt ,,' .111"- h'IIII..hlll,llIlll",'.1 .1/ th'I'" ~1'11t1l1l( "'1" 11111. '11I1111II11ItlllII '1I,!I11I1I" 1"11' h,lhI'. "',11"', Ilhl" .11 1.'11,11"" "I'"ulI .1... I.",. .1111111' "1111" Ion lItl11 I,~ Ihl. MII'III,IN" 1'1111' 1I1ll1l11Ihll~l)' .Ili~ ,111,1 1"'.'11'11' I "llIh', .111111 h,I~I' ~,IIH11 "Ill h '11,11""111 .1I1..I~lul.. 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') " II) ,.tI.,. IIh Ul. ',III"II"~'" ,,"1'11111 ,'11111." M"IIII 'IW W" 'II' IIlfll. 1111/' ,,"1., . ,. 1111"", "I""~hh,I'H "'",1111"1,11 ,,,1"11'''' II', h."IIIN ">>1 11,.1 '"lulf,"", 11.,'''11..1,11. 111"11'11 . .,," 111.1.,1,11""""" I'I~I' '111 II ,101,"11 .1, I....h, III". h",I,IlIl..I,I. .. '111111 ." '11'>>11' 11I.1I111~ 11111 ..111'111 h1111'Ii,tlll' 'III'''' 111111 11,1 '1I1hl 1""11111. -111.111""""., ",11111/..11"111",....,,.. ,IWIII .,. '"1111,~ "u. MII'III"II'- ,1'.1111 ,,"IUIl'" lI'IIIUI"IlI..1 11'11'11'11I II ""1'111111 ,"1.1, w,. ht 11""""". II.., MIl'IIIIIII" tlll,lll.., ,.IIII"'IIIIIU. ~ll "".1111'1111. /Ih'lll HIIIII'" HI 111111111' I .111111,11\1.1. "11" .1111 h'oIllllIl h"","..."..1 ',tit, '\"htlllll~'nhl'" 1I1'lIhl .-\1'1'11111111I11111111 Ilf'IIH.'I, 1.'lIIh'l 1I11'1I..~,..hl" A. 11,1,1111'11I.11.11 ijlll. hli''''Wlllh'I, 11'1"""" 1111111. '''''1111. ,,11.11111" III' '1111. '.111'1" 111"1"1'.. 1"1'1111,,1111,.11111"1'''.'' .h"II. 1"1'" 11/ ,11.rl"""IBII' 1II1JI" 1I,II,lftllll,1I 'It'" "'" H' ..11111I11'"1111I111 I" 11n> I', "1'1'1.. h,n.' 1111' "11111111 ,.,111'11 willi 11'1,,,,, ,WI II /1'111. 1I.'hll~ 111'1'1111I1'111111' "'111 '''')111,111 t'I'U" ,II I l'II",llh,1I iju41" \""IIN"'I"1 I" 11"'1"" '., '1'''11111'11I11I'111 '.1'11.' I""lltll~.I.I1.h." 1'1111"."'1, I,~ IINIi'III'" h~ '11111111111. '11'1~llllhll Inl'''I'I,. 11.11 1111 l'Il'1I1nl I., 111'11 ijl"IIl. ',Ih JlII.....IIIII..1 ,11I11 "hllllllll.lI... 1'1111'.". d'IIII'lllIlh..lllw 1'lIhlll II", "111"") "UIIl,hIIW 111"'1' ,1.1111.11.. ,\'1" "'" ,.111111,11.. I. 1I,1i, "'lllI'h' l'lh" .1'11111," "1111111'1' Ilt.1I1111"."'IIIIII' IIII' IlI.h "' '""tl,llillmUI"',IUlI""II1'II..IItII. ',II"lllIllHIII'lIh.ltlllu,lItlH, hul 11111 1IIIIIh',lllI, II1I',UI'. "...., 11I.1II1lill1t "'I II..IIH','. hilI hi. ,tIl,llllI.II11"III., 111111'1111) .11'1'., .llhl'lll'IlIII"Il"ltlIlli' aI, 11",111) IhIIlMuI'W"II" '....h" 111I1' 1I1""I'tI'~I'" III' 11I'1",h1~"I.III1'1I111 11111) 'lit 111".""'1111 ,"I"'llh I.. "HI' Ill. ~'UhU'" ,"'~"'ll'W., 1"I'IIIII~IIH'1i'1 "11I',111'~1 t_ I .'Ihhl, "11.lllh I . "IIII"U 1'111" III nlhln "' IIIUI MIIIlw..wr, 1"1it~ IIIl1~W Flllij'~ .\.I~,III1. .1'11""'''''-1'' tiW. II 1'111111'. A,I.'''III' 1lI111l lllhll'.IIIII'111111, .Ihlllllll t1~ ijllll,,) Ih.. MII,hlllMIi' ..!If" ")II'''IIII~III),' I"HlIlln'"v IIIlhll ."1111161 Ih,1I .,1111 "I,ll'. ,III "I~ "11',llhllh~ ^IIIII Hml' .111111 Ill" ,llllIIllhll 11111..'1". 11"III~ tllIl~hh'.IIll'.. 1I1111l1'1111~ 1111. MIIII"'IWI'. 111/' 1111 hl,hlltl .'1"'1 ,III~ ,1111 I .1111 ,II I 'II ,1,111...111'11""11 11I1",.h~ 111I1I..'llIt'.I., ," 1111. M""~IIt1.', ,'.111.11111' "1'11'"'11 .III1HIIUI ..lilli' "'..11' 111,1, Utlhilltltl, HI"'" 1"1"-1111'11 "I ,III .Iml. ..11111'.1 II) 1111. MIIIII/""I' I.nl,h, .11fI1I ,11.111.111111 Ihlll MllllIIUW~, IlolllwlolI I "'''''11 hI 1I11"11~1' "'lIUtIH' .111111 'hi) ..II,I.hh "' h'IIOI,I.Hllltl, I' ,m! :liI. I'ur-.'h...", MI"H1t MIUI....yll, II .111 "',IoI,I,,'III1I1IHUI.I' 1111', 'I) 11111 M""M"M""'lIh.'III'1 "'""I"I"IiIIl'I,wlI~llIl~ "'lhllll'I'llI"I~. 1111' M,,'IIlIIIlIII~ 111"1'1/"- Ih., '1111.,1111 1111 "IIWtllhl.~ lUll'",) mllllw"lI" III WII'I'-4t\HH WII~,lIhIW, '~IHllvrw..., hlllllllll" UII'lllhlll MIIII"111iI1I Wllnll..'" t\ ~ 0 Cl.Sa -_._~--_.-.~.... . ......... . - ,.~~\j-~~~~ .....~.- '--.. ) .-.. ...-.. ...- . -.T.i1~'iJO- . ~,.;;;;;; .~,,~~,~-fj~J~.L_~_. Y.VllntlU l r,;-y~;~iUJII -0."--- ~lIwn".H -...--. .--- ---- - -. .~.-..-....-..-- ........-... ---.-.-..- -ttM'N.~1 --....----....--,-.-...--,..~__ .H~ .-.-.-------0-.- ..ikf,....., . V I'll "I'"~~"\'I" ~I' .C...I.I~,h.~"'..,NI..O..... " I "IIM.IIINI f.M, II, ...,," ,.... ",n, ....______.H "'1\ ~.., 1)1\11110, III. _W.':i4'_ ~.~ III .-':J1'tpol ~ "1"'.'1. , I u JIb.. 1"""'11I" .'_"Ulll[~_ IllltlUli.._ __... ,lhllllllll~t'I"'"-"III'lfhll', IlI'tllulllIll)' "III'II,,'~~I JIJltll_ U,J. V.a~-alhl..."J1\l_t;Y~ll,"!ljl"'h. V,'y/llll)v....hh__wJJ'*. ~___. ~IIIJ~n IJI tn. h" IIHI.rJlt:h)nl.. \'tII~ltl" '"lw IIIIl' Ihlllll/'IIIII -Ii - ",tlll'l/lIl1l11~"'. >>t","hnrtb,11 hI Ih. Ilollhltlln.I"HIl."IIIIIIIII~.kthn"'IIJ.hl 'hi t 1")'__....______1-_ .III1L'ul",llh. .1111I11 (I., IluI IlUn)llllll' h,,"1II ~'lIl1ll1"Ul'lJ I, ~ . ".' , " I" WINn;HH Wm;II~:IIF, I h.H'..IIlll.IIIII1Y hlllh' IIl1llulnL"III'1I111 My l:I/IIIUUlllhm arlllll,n: Q&.:"~"'~"',\"'tS S).';.l C)', C2 Arlo..~ ',.' .. n"!,ir~i;:;;i;;;Iliif,;I;,i"piJDlI~--u--- , . tA_ l..,11I h.,),' t'I'''' 'JI'pIU U. I~.' ) ~~, Nr-~-~-_.t-":':'- "II,w'IIIII,,1 . l'ltrUnl'lthl II' .ht.hllll..." lIt MurtWIIII"" V.Il.y thlllkllmJ '~I'U.Il'lIl11plln~t MlItl"II"'. ..nhltl 111111I.", tUt'I/lIy 11/t1I1\1'I111ll1 II. ,1t11l1:1..."IIIIII~'. lit hlllln,.,I, I' , 'hllttll""II'lIlrH, 1."IIII.~I~IIIlI'1 ...umlllllllw.....tI" II' 1..''''.~I~..''.ltt h l'UU'''~ II' t".." .'. L....,~ I I, ,'t , " \\, " ' V"lh'~ Ih'"k ";'I;IZIIIIP.Il~ II," -!/I1'~/~~'t.. C.. r'J .., " " . . !tall-lItI'..., III Ih" OIRI'. U' lhll 1I1~'I"h,t II' 111'1'11. 111.11111 r,tt "'II' ('UWIII~ un Ihl! r~,tlll'~ ..,"//1 ," , IU~I /. III Mlltllfl'"'' II..Ilk \lIIIWIII" -:,../, "mllu .;..."' 1--) Willi.,.. 11I'- hllthllltllllhll .rlllur IUhl 'Imn. Iii.. ,IllY 111111 ~..nt 111"'111"101 '\" ." \\\)'" I ,.I.......J \\, ~~ , ,., , , ......" , \.' " /..J . . 11...",,11' ., ,t I' " I ,~I I J. ~ I '1'/1111 ,\[J.lUS'I',\OI.E /ti\n: II/lH:lt 10 11111,10 1/110 ~~~,jllY "" -_~!/~.~ __ 19 Jl.~ oll,j I. """"I'"r11I.d 11111' "11,j .hllll ho ,1'.m..J 1'1"11I011'/1111'/ oUPfll.llllllllh. M'lrlll'II/., noo,J 'lfTrlllt, '" D.ad IAJ IlIC1l" D.hl 'Ih. "SICunly "Ufrtllllllll"l 'If Ih. .om. ""101/11'1111 hy Ih. "Il".r.IIIII.,' Ill" "Ullrr'lw.,,,) 10 'Il:ure BorrQwer'l A,I"'llllh:o 11,110 .'1'1101'1 V.,lIoy 1I''',k ,111'/ "'r'"1 C'IIIIII'",y Ilh. "t"'lh/""I'lflho ""11. '/'110 Ilho "N,Uu") un" CIlv.rinll Ih. ''''lfl.I1Y '/oo':"h"'ll1lho 1I."unly 11I.lrt1l1101l1 '''''/1'''''11.'/'11 ADJUSTABLE RA1'E RIDER d.l.\ll'l' l)N INT/':IU:II'I' /lAn: 1:/l,\NIj~:1I1 ----..-...-.- -- ---...-.--..- -._-. .)/i.. ?g.~~~_qll_e!l!1_S~ "~~~'. .s~_(pP'e.n !~.~!J/j_~~JJ2 ~ 7 '11"'lll.tl) .',IIII,'nl Th. NoI, conlllnl Provlllonl Allowing/or Ching.. 'n Ih. 'nl""1 RII., Inc"'UI /n Ih, In'''II' R.ll will R"ull In High" Plym.nl" O.orllIUI It, Ih. 'nl".., RIl. w'lI Rllullln LoW., P.ymlnl., - AIIllITlON,,,. CO\'I':N,\,,,;'I'~, 111 'ld"II"IIII'llh. "'''.11,''11. iIIld ,lllr'.III.,II11 IIIlId. IlIlh. Slh:unl~ Inolrumonl, U"rmw.r "lid 1..l1d.r furlh,,, "IIVUl1llnl'''I.1 ,11l1'. ,I. f"I/'IW. A, INTEIUi:ST /tATE AND MONTHLY PAYMEN'I' CH,\NGES Th. .'1"1. pr'lYld.. f,,, '''1111111.1 /lilt. 'If 11I1.r"l 'If 12~_,~" S.CII'III I "flh. .'1'11. flr'lvld.o Corchllnll."n II1.'nl.,..1 rUlo 'Ind Iho mllnlhly lliIYll1.III., '0 foll'Jw. 1,11 Chlll1llu /Joto. I..-L Y. 1I'1l1l1l1l111l In W 1lJ",.., Ih. "II. 'If 11I1.ro.1 I Will IlllY 1l1i1Y ch''''II. 'III Ih'l _~ ""~ 'If Ih. 1ll'lOlh of '- ':~, '''Id '"1/11,11 d,,, .",,,XX 1~lhJaIJth"'I""k'''"''III'h''''III''nlhlh.'.lIn.rf.IICh''IlI.'11Iwhicl1lheral' 'If III "'r.(1'l'I)UId d""III' I. cIIII..1 " "Chllnll' 0111." , (III Thu 111<1-. AllY ch"nll.. 1I,lh. rill. ,'f IIl1.r..t WIll b" bll..d 'III d'"nll'. Il1lh. 11I,I.x, Th. "ll1d. x" i. Mh. "C'mlract 'nl"..1 Hili., ""rchll.. 'If ""v"luoly O"CUfll.<I IfQIII.., .'1""111111' A v.rIIllo for 1111 ,'I'lor Typ.. of Lotn,/.,." o. mild. .vlllI.bl. hy tho "'.,1.",'11'10'0 r...,ollllol1k U"llrd, ''':J Ih'III'lOlhl~ IIV.rlll/o ~..," 011 L'nll.d SIll I.. Tr.lI.ury IOCUI111.. ul/lulled t'l II COIl.IUIIIIlIIIIU"ly ,'f ,J Y.Il,. II. mod. "vllilllbl. hy Iho F.d.rlll H'..r" 1l'llIr<l, ICht1clt 'HI') fUft' hlJXI Iflh. fl1d.x I. 11'II'lI1ll.r IIV,'illlhl., Ih" Nill. "ol,l.r wII/ ,:1"1'1..,, I1.W In,'.x which i. hll..d Upon cOlllpllrllbl. 1I1f'''IlI,HI'ln Th. ,'1'llo H'II<lur wll/lllV. m. n'llI,:. ,,1'1111. Ch'llc., rh. Or.1 111"'x Ilw"r. f,,, Ih,. Nol. I. JLJ~, It i. cllII.d Ih. "Ort~llIlIllnd.x," Th. 010.1 ,.c.nlly IIvalJ.,blollldox Illlur. II. '1I'Ih.dlll. ~_"aYI b.('''''.n.b Ch.nl/. Dllt.i.cIIII,<I Ih. "C'lrrlnl Ind..," Ie) Colculotlon 1)( Chonll'o' a.fo,. each Ch'"lle Dal., Ih. NQlo HQldur will d.I.,mill. .ny Chllnl/,'n illY "1. of inl.,..l. Th. N'Jt. H"Id., will co/culnlolho illlIounl 'Iflh. diff.,,"C., If nny, bUlW..1I tho currtnl CII<I.x al1<1lh. Onllinn' rl1do~, Iflh. current rn<lex il hillh., Ihan tho Onllin.' Cl1d.~, tho N'llo Hold., Will .<ld Ih. diff.rtnc. I'J th.llllllnl IInl. Qf lnt"oll, Iflh. Curr.nt 'lId.. I. low., than Ih. O"l11nal rn<lo~, th. NQI. Hold.r wIII.uhtr.ct tho ,Ii/f.r.lle. from tho rlllliul Rill. "f In 1","1. Th. .'I,". H'JIoI., wllllh," rmln<llh. ,.."llo( lhi. a<ldll""1 ,,, .ubtrocllolIl'llh. 1l""..I"n."I"nrt., of '111' perc.nIUII. P'lInl ").~6'!'1, SUbJ'CII'1 th,'imlt .llIt.<I In S.ctlon If 01 h.I'I"" thl> "'''n.I.,1 ,11lI'lunt will b.lh. now rol. ,1(inl.'..llam rl,lctlJir~d (I) pay, Th. :</,". I/"'<lur Wllllh.n ,1.t'rI1l1n. th.II." '''"'IUlll 'If my monlhly paymolll th,11 woulol b. ."f/1cl.ntlo r.po~ tho QIIl.I,!ndll1l/ pnll,'lpnl h'II,ll1c, in I'ull '111 tho Ill,lturlly ,Iill. at illY II.W mi. 'Jl'lnt.,..t In "Uh.I'lnll,'lIy 'qual Pllym.nl.. 1'h. r..ull "f Ih,. cillc"'IlII'1I1 Will h. Ih. n.w ,lm'I"llI 'II' illY 1ll'"11hll' /1,1.1'111'111 !OI limit I)n Intorolt Roto Chonllo. rh. "11. 'II' Inl.,..t I "111 r.f!"".<l(1) PllY .h,,1I n'v.r h.,ncrl1a.." ," ,1'<',"i1"." 'In ,IllY "nil'. Chanl/. Dal. hy Illilr. Ih.n /!1(W'1 PtrC,"II1Il' P'"I1I'I~IH'I::J tlv. p.r"'III,III" /1'"111. I'~,I~~,) ,n..'. ,,,,I. "",, "", i,,"" tho rill. Ofllll.,..t r h'lv. brutl pnY1nll IE) Efro"tlvu [)lltOu(Ch,lllllu. The llew r"l. ,Ii 1111.".1 Will b.com. 01'1"<'11," 'In ..Ieh t'h,ll1llo Dllt., , wllIll",V tho II." ,1I1111unl '" my m'lnlhly P"YIII""1 .."." m""lh h"1l111111111l "11 1/'" lirel 1l""lll1ly P,IYIIII'lIt 0/,1I1! ,'11<'1' 11\,' I '11,,,,",, i'll,' ""lilli", ,1111""111 "1111,' IllQlllhly P,lym'nll. "Ililln ch"nl/.<I ." r hi'" fully "'P,"<1lho 10'''' AO.JUSTAHLF. RATE RIOf:/t - Sln~I" !',lInily; ,11 - 'NM" Unit.,", Inll,,,m.nl IlnlOl'" ROlo Llm", ML-AHM'ARR,j ~;I " I'J r. ',' e V (" ,',\:r ,), ,) IFI ."I'lllw "r l'honIlN. I'/w :-/,"" l/'II"or Wlllm,liI 'Ir ""II'.r l" III" ,I 1I11l1c. "I' ,IllY Ch,IIIIl..11I Ih. ''''''l~nl 'Ifmy ""mlhl~ pO~m'nt b,ro,. I/W .If'''II'. ,1,,,. 'If' ,IllY Ch'III~' Th. 1I"lIel Will Inclu"""f"rm~II'1I\ r"I~Ir.'/ by 'Ilw hI b'MIVln m,un,l ,1'"., 111.111/, ,11I,'I.I.phllll. l1umb., 'If ,I I,"r.'ln wh" Will ,11I.W.r ,Iny '1"0.11111\ II11l1Y h"", r.llllrdlnlllhl ",,11,,", /I, CIIAHGESI I.n;NH lJl1lf',rm C'''.IIIIIII I "flh. S'''Il'''Y 111'1"""",",. ,lm.'li'..J III ,.,11' JI f'lll"wo ,I, l'hllrlloll '-hln., """"wl/r ,holl PIlY 1111 Ill'"., ,10.I/I.m.1I1., ,11111 '''hl/r chotrll.., 1111..11"" Imp""IlI"n. '"Ir1hlllubll l'llhu PI"lpurty which 'Oily '11111111 II pn'>rIIY ''''Ir Ihl. S.CUrlly JII,I"lf\11/1I1. ,,,"II,,I.ullill'/IIIIYI".1I11 IIr !(r"llnd ronlo, If 1111 v, III Ih. 1I1"III1Ur 1"'IVII'.d 'ltI,l.r IliIr,IIl'"11hJ h"r.'lf '" If "'/1111"" III "/I.'h 1II,IIIII.r, by /l'I""WOI mllkIIlIlIIIlYIJI.III, wh.II ,ltl., ,JIr'":lly h) Ih. IJIIy..lllUr."r Il'"r"w.r jl"'II'''"II1/1l1y fllrlll.h III ''''II''''r ,III 11'1111'," o>f IlllliIU"t. ,It,. ulI,llr Ih,. 1111I"'llruflh, 1111"111 Ih" UVUI1IU'"r'IIYl/r 'h,III'lliIk. IlIlYllhllll "'roll'lly "''''',wl/r "h,11I pr'lm/llly fllrnllh 1'11"'11,1., r",,"'1I". ""dulI'-"'11l "lI'h flllyml/l1l. "'"rllw.r oh,11I flr'lmlllly d,"ch'''Il. ,IllY 11111I whldl/lII.'lrI"riIY "V.r thll S'CUrlly 11Il/lrlllIWIII, pr'''I''.d, th,"U'"r'IWl/r -1...11,10,1 h. r"'l'lIru,j 1'1 dl.dlotrll. ,IllY ",,'h hOIl "1 '''"H ~oll"rrllw.r: IBloh1l1l "llr.. III wrllllllll'J Ih'"IIIHII"'ll 'Jflh. 'lhhll''''''11 ..cur.,' hy .Ilch h.nlll II m,lIll1or IIcc.l""blo," l"llif.r; 'blol1l1l1ln "'"1,1 f'lllh ';'ll1lu.I,uI'h Iioll h~, '".lofolld IIHIIII10l I/llf'lh'Om"nl 'If.''Ch h.1I III, I'H~I Proll'." Inllo wI1I~h IlIlhl"pi"jllll uf LlIlli'.r '11,"rllt.I'1 provol1tlh. .nfllrclmolll 'Iflh" hOIl ,,, f,,, 1'" II II r. "fl/lU P"lp.IlY '" ~II~ lI11rtth.rol/fi '''I~llhllll..curo fr"m Ih. h'lIdor Qf luch Iioll olld UIlr..molltln iI Corm '" Ii (lIcI"ry hll..,nll"r dl,h"rdll1illillll'llch Ii.n t"tl1l1 S.curlly 11I.lrumonl. If L"III'Or dfl.rmillo. Ihllt IIl1l/r ~IIY I'lIrt 'If Iho Pr'lporlY I. .'Ih,.ctll/ Il IiI/II wlllch mllY llllllill II Pri',riIY 'IV., tl1i. SocllrIly 11I1""m.nl, r""ndor ohllll.lnd Ill/rI'ow,,, Ill/III'. h'.lIl1fYllIllllll'h 11.11, U'I""W., ./lllll..II.fy 'Ilch lI.n ,,, U1k. 'Ill' ,,, 'Mro 'If th" IIClI",," .11 f,lI'th Ub'IV. w1l11l" Ion ,lilY, "c lit. ~IYI'lII 'If'1ollIC., C. NOTICE Ul1lfllrm C"VOl1l1nl I j "f th. S"Cunt~ 11I.lrum.lIll. 1I111011,1.,lt'l rOlld II. f'IIIoIW', 1.1, NIltl"o, f;'~opI fl/r UIlY n"lIc. r"lulro., Illldor IIpplicuhl. luw lu h. ~1Y'1l11l ~""Ih.r IlIllnn.r, 101 any Ilollcltl/ I!"rr"wor prllvlIl.d for In Ihi. SOCUrtl~ Inllrum'1l1 ,hull bOIlIV.II b,Y do/ivoHIlIl II '>r by muihnllll b~ t'lm cIa.. mail Il"dr....d to B"rrow., uttho PrQP.rt~ Ad"r... '>r III .uch ,"h.r uddr.., II. Bu""wer mll~ dlOilltlllt. b~ notk. to '-.ndor.. pro/vl""d b.nln, "11.1 Ibluny IloJllc.lo L'lldor .hull b'lliv.n by Or.t <I.... moll 10 L'l1dor'. oddr... ,toted h.r.'n 'lr "I.uch Ilth.r IId"ro.. UI Lon"., lOllY do.'lln,lt. by nllll<.t"I!"rr.IW"r Il. p",vid." h.,.ln, Any 1I01lc. provld.d r." 111 thl. S'~llrtly In.lrlll11ollt dhull b. ".0111"" 1'1 l1u,. b"IlIl'v'"I'1 All"llW., '>r L.n"., wh.n MIYlllln tl10 malln., "..IIlI1UI,d h".1I1 f), UNI~'OIUI,\IOHTGM;EI GOVEI!:\'I:\'G L,\WI S~;\'EnAlHl.ll'Y Ut1lfo'llI CQV'llllnt t.~ IS IIlllUII,l.d 1'1 "u" 1I. fullllw. I,', Unlfllrm M'lrtllollol (JllverllJI1I1 Lowl SovorobllllY, Th,. form 'If S.CUrll~ In.trulllent combin.. uniform CUVOI1UIII. (Qr "utj'ltllll u.. ul1d "'m'lIl1Iforl11 CIl'"""IlI. wilh lil11ll." '"rilllion. by juH.dlcllun to conltllul. U uniform ,oconly 11I.I,umonL CQvori"lI '001 prup'rly, Thl. S.cllnly 1".I"ltnent .hllll bOllu'orno,j b~ federul Iuw "nd th'law of Ih. JII".oJlcllo" in which lho P"'ll'rt~ I. IoICUI.,1. I" Ih. OVonll/lllt a"y provi.illn ur duu.o oflhl. Slcurity lnllrumont '>r Ih. ~'lIo c'lnlllcl. wilh ;Ipphcllbl,'nw, .uch cun/llcl.hllll nul uff.~t 'lIhor pr'''I.,u". of this S'curlt~ rnl!rumont ,,, Ih. NIllo which CIlI1 bOIlIY.n .CC.ct Wilh'lutlh. 1"lnlllclInH Pro/vl.l"n, IInd hllh,. ond Iho provi.lon. "f Ihl, Socurlt~ InlltrlJll1~nt ..nd th~ ~I)ttf .HIt dtfclnrltd tll hl' dI1Vl;lrnhll1, E, NO I"L"I'L'HE ADV,-\:\'CES N'I",UI1"'JrI" C'''O'''''ll ~I oflh. :i.cllrtly 1".trlll11.I1II"FlHn,. .\.Iv,IIlI".'" I. ,1."1.,1. ~', LOAN CHARGES If Ih" ""'" "cllr.d hy th. S,~urllY /".1'""1111110 lI,b)OCIIll ,lluw which .'10 111,I~it11UI11 101110 chorM..,und thut law I. n""IIy 11I1.,p,.to" "1 Ihlll Iho Inl.r..t ur .Ith.r "10111 ch~rll". C"II.clod'>r hI ho colloc"loJ III ~lInnoct"lI1 wllh th.lo"n .,,~oo,' ll"rmltt.oJ Iimll., tho" I 1I,lny ouch 1,IIIn ch"'Il' .hull ho r.dllc.d by Ih. ,IInollll1 noc"ollr~ toroducoth..hllrll' lu Iho Porlll,u.d hnlll., Jnd 1~1 Jny .umll '1Ir."dy ~"II,cI"" frl/ln n,,,ruw", Whh'h '''.",,1001 pormltto.J Jlmu. WIll b. "1"'11.,,,01 lu B'Jrr'lw.r Lo"d., lllolY ch'''lo" III "loIk.lh,. roru"" hy r..II,clllllllh' prll1o:IIIIII 'IW".J und.r Ih. N'll. '>r by m,\klnll " ,hrocI PUYI11.nllu ll'Irr.lw.r, If ,I r.rllll,l r.,lllc"" Ilnnclpnl, Ih. rot''''l'lhll1 will bl Ir."to,' u. ,I Polrthll pruJJ.lYfnttnt undttr thlt Sllht. r. ',', ",' 1\ r.), 'J C , " ,,:' ~, G, L'Wltil.ATION Ir, .ft.r Ih. ,I~I. hl/lIlf, .Il-dllllllt ,,, "lIlr,IlI'"1 'If 'lllllll"~hllll'w, h,I"'h. .If...t.llh.r "c rtlld.nlllllh. p",vlll~nl II( Ih. /'/'111, Ih. HICIIMly IllllrulII'1l1 'Ir Ihl. ,\,JIII.IIIII. 1101. /l1~lr IlIlh" Ihllll 1/11' IlIlrllllr.ph 0) ~1l'1lf'lrc'Nbl. ,cc'lr,ltnM 1"'h'lr tArllll, ,,, .11 'Ir 'IllY I"rl "C Ih. "11111 "CUrt,J hl/.hy 1IIl,'"II....:llIhl., 4, 'II/urwin prllvi~.d in Ih. Hlcllrllr lll.lrlllll.nl '1l,llhll A,j,u.I,.hl. /1,111 1I,.I.r, 'Ir 'If ~I/lllnt'hllllllh. '.Iuo 'IrlAn,J.,', ucuntr' 111'11 ....lIder, II l"Il,J.r, ',plloll, lOllY ,JlcI.,. 1111.1111I. UCUI'.,J by Ih. H,cllrIly l,wrlllll'lltl" 11IltIItII.,lillloly 11~"Il' p.yubl., In .lIcl1 "'Ilt, ll"""wlr ./10111 11,'1 hi'" Ihl "Whtl" rlllllt,lI. 'Uh."'lu I,r"vlil.,' 111 N'"I'Ulllr,mlll;'IV'Il.1l11 U oC th. B.curil~ IIl.trU/ll,"I. Willi"" IN WITNEHH Wm:IH:'w, /l'Ir",w.r h4. '/I,cl,Io,,' Ihl. A,JI",.I,lhl" /I,ll. /It,l.r - ~~.k c. - i91~~~.V~~~.-~--~ ~Ii,:~::~: -~~os ~ _>>~~~:~: C":'\~ GtO, ~ ~=~(?~--_.~..~-=~ --- --- (S,IIl) -110m..., _(Slllll -1k~Wtt -- - COMMONWE"LTIl O~' PENNIlVLVANJ,\, CUIillE/lLMlO On Ihlp, Ill. -i.I!!. dll~ Qf ~I\ Nil'" 4t. 't' , I,09tl b.fllre 10', No ta ry - PUb 1 f C tJ,. ~lld"'IIlJ1,~,J II(ftC." ll.,.onull~ aI1lllor..j JOhn 5, Vayanos 4n~ EYanglll fnll 1l,!,uS Ill!.lofl!anO.s _ knllwn \l) m. (IIr .atJ.faQlorll~ prov.n) 1" b. Ih. Ih. p.r.II" .-- who.. 111111I0 ~'ub,cribo~ 1<11/1', wllI111lIn,lrlll11.ntund acknowled,ed Ih.t thlly INilCUlod Ih. .011I. for Ih"lllrp.t.., h"o'n conlolll.'1, - Cllunty '" In W/NTEIlS W/lf,REOI', I h.r.lllll"..1 m~ h8l1lJ und IIrncllll "III, ,lIilJ r; My COlllml,,'on .xpir..: o..'t<:><t>'IL'.ofI.. ':l.~I\r,~ " - , ,'. . , ..~, ",.~ DI'ild P. Pltklnl, NOTAR'( punt",.; f 's,' ;' My Commllllon UPIr. Otlobll 26, W"p~,,", 1ft & &till" P\ ("~~III,,,,",t .ol\llnlt. .. ~. ~IJP " I. . . . 1'111. .f orn", ~ c.,uncot. or R"Jd,no. or .\!lIrlll''l'' Vall.y llonk and Tru'l Company, Mllrt,a,.. wllhlll nUm.d, h.r.by cII'IIO.. Ih.n II. pnnclp.1 pl.c. QC bu.ln... I. 41 Ch.llnb'rlburr, P,nn.ylvunla, Comlllllllwulth lit P'nn,~IYBnlo t I ", ~::'~~;:' Counly I)r Rl!Cor~.,' In th, Ol"nc. "f th. 1I.,:.."j,'r ,'I 11'.,1. III ,II!oJ f,., '111,1 C;'"lnty 'Ill Ih. ,lilY llf . Iii ,In M'lrtll,lll. 1I.11lk Volum, , P"Il. Wltn".. my h,.n,' 411J th. ..., 'II lilli' '1m". Ih. ",IY ,1110' Y'''' "",,"..1,1, . . , ~ "( e Ili'< ,',: / /'ALt: ,),j )t,,,,,,,,,, -- ----- ACT 91 IMPORTANTI NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE RUO TillS NOnCE. YOU MA \' DE ELIGIBLE FOlt FINANCIAL ASSISTANCE WHICH CAN SA VE YOUR 110M.: FIWM F'OltECLOSURE AND HEll' YOU MAI\E FUTlJlU: MOnTGAGF. fIA YMEN'fS " 1)01. Apnl 24, 1')')6 RE A~~oul1l No $'11 ij 17 2 TO FROM: John S VOYlIJlll', 16 S Queeu Sllcel, Shl"".I1.huI~, I'A Inn VAJ.LEY BANK AND mUST COMPANY YOIl mlY be ellRlble ror nllAlldllAllllllllce Ih.1 wlll,Irevell1 roreclolllre 011 YOllr mort.l.e If YIIII comply wllh Ihe IlrllVhlo'lI orlhe /lolllrowllers' Emrrgellcy Mllrt.l.e AU'lIll1ce ACI or 19113 (Ihr "ACI"), \'OIlIllIY be rllMlhle ror rmrrlJrncy lelllporAry flullllnce If your d"(IlIJII hili hrrll clIUlcd by Ch'CUIIlIlllllcrs heyolld your cOlllrlll, YOIl hIVe A re.IOlllble prOlpeCI or rrsumhllJ you,' /IIOrlllllJf II"YlllrJlIl, lllld If YOII /IIrrl olher ellRlblllly requlrrmrnl5 rsIl1blllhcd by Ihe l'rlllllylvlllIllI /10111 hIli FllIAllce Allrncy. Plult rnd All III' Ihls Nil lice. II COllllllllln nll/llnAllolI or your rlllhl5. Ullder Ihe Acl, )'OU a'e el1l1l1ed IQ . lellll'"lary II,y Ilf for<<I,,,ule 'III Y"III IllllllYlye I'Ilr 111II1Y (3Q) dlYIl!1Jm thl dlle of On, Nouce Dunny 0111 II/ne you 11I'1>1 alflnHe lIJld ollelld 0 'fa""".flce' Illeeuny wllh I rep,..enllllve oflhll lender, 0' W1I11 I de"l!l1a,.d COII'lJIn.r credll c(Juno.hny Iy.ncy 111< PUI]JIl'. of 01/0 meeuny 1110 all.mpllo work 0111. replymenl plllJl, or 10 001<1'11>'''. ,ellle your d.hnquellcy nllO IneeUIlY IIIU'I <"'cur III Ole nesl (3Q) daYI, I(you Iltend I flce.lo.flcemeeullY WIO, 0111 lellder, or wilh I ~Qn'lJIner c,edn counlelins Isency idrnlll1c.lln !hil nOllee, no tllrther proceedlnSlnll10nplye forech,.urellllY like place (0' Ihlrry (3Q) dly.lller the dlle orlhJ. meeuns, The nll/1le, Iddre.. IlI1d lelephone nlJlnbe, "r Qur r.preoenIIUv.,. Michie' E AJlemln, Collctuon Supe~'lKor VALLEY BANI< AND TRUST COMPANY 3607 Derry Slreel, P 0 Bos 4662 HlltmburS, PA 1711 J Telephone NlJlnbe, (17) 237,6173 Qr JIYQO) Il6.3049 The nll/1lu Ind Bddre.. of de"I!/1Bled con'lJIner credit coun.elUIS Byencle, ilIe ,hown on 0" IltlCl1ed .heel. It I. only neee..1T)' 10 IChedule one ra~."o,foc. fO.elmy YIlU .hould Idvlle thlolende, IInmrdlAleJy oryollr Inlenllonl, Your mOrlHIHell in derluh becou.e you have failed 10 pay promplly Inslallmenll or pnncip.lll/1d I/1lerell, II ,equlred, (0' I penod of alleul olsty (1\0) da)'. The 10lUlll/1lounl or the dehn'luen~y II 514,261.70 Tho' lum include, the (olloWinS: Monlhly P.'I.\llJCllIUr 123 7 82 for De~ 6. 19'11I and JIlI1 ,hrouih Dee 6. 1991 Il/1d 1226 40 for 11ln, lhrouah Dee 1\, 1992 and 521l 48 riJr l.n Ihrouih Dec 6, 19q3 oIIld 1206 50 for 111I OlloUah De~~2i.IoJl $21286 for 111I lhrolllll1I.l~.l22iJ!I1Jl_lili.12.fuJ: JIln Ihr,'ulll1..8pr 6. 1991\, pJu, lale (Ilnd o!her chllJ'aellof SO 00 The Pennll)'lVlllllI H'lullny FlI1on~e Ayency ~1lI1 he rellchrd rOLl. FREF. al 1(800)342.2397 I I Th.lIam.. .nd addran or dlllan.l.d con.umer credll cDun..lIl1l1'IJ'nal_.II" .hoWII b.IClw; CUMBeRLAND COUNTY Consum.r Credit CounN.llng Sllrvlc. orW"I.m P'M.ylvIIU'1 '119, 2000 L1ngl.slown Road Hamsburs, P A 17102 (717) S.II.lm Fln.nclal S.rvices Unllmlt.d 117 West 3rd Slre.t Wayneaboro, P A 17268 (717) 762.3285 Urban Lusue of Mlltropolltan Ham.burlJ 25 N, Front Street Harrisburg, P A. 17101 (717) 234.5925 FAX N(717) 232.4985 I, " YWCA of Carlisle 30 I Q Street Carlisle, P A 170 I 3 (717) 243.J8l8 FAX N(717) 243.3948 i I j " " , , I' I. " " .K.f91 IMPOR'TAN'fl NOTICE OF 1I0MEOWNERS' EMERGENCY MOR'TGAGE ASSIS'TANCE PROGRAM PLEASE READ TIllS NOTICE, VOU MA V DE ELIGIBLE FOlt FINANCIAL ASSISTANCE WHICH CAN SA VE YOUR HOME .'ltOM FOltECLOSURE AND HEl.P YOU MAIO: FUTUIU: MOIH'G,\GF. I'A YMENTS 011. ApnJ H, I 'l')~ RE A~COlllll Nil l~ I HI'! 2 TO E,"I1~.hl1' VIYII1QI, J~ 5 QU"11 51,..1, 5'lIPi'.nlbu,~, I'A 17257 FROM VALl.EY BANK AND TRUST COMI'ANY You mlY bt eligible ror nnlnclll aulSllnct Ihllt will prevent rorecJOlure on your mongllle Ir you comply wllh Ihe provlllonl or Ihe IIomeQwnm' Emerjlency Monllllle AlllltAnce ACI or 1983 (I he "ACI"), YOII mllY be eligible ror emergency temporAry IIIIllIlIce Ir your dtrllllt hAS heen Cllllled by clrcumstllllceS beyond y'lIlr cOlllr~I, you IIllve I relllOlllhle prospecl or rflumlng your mortgAge IlAymellll, /llld Ir you meet olher eligibility requlremenll fllllhllshetl by Ihe I'enllsylvlnlllllouslllg "InAllce Agen;'y. PleAse rtld IlII or Ihls NOllce, II conlAlnsAn upllllllllon or yo III' rlghls, Und.r ~I. ^<I, you 41. .,uul.d III a 1'lI1porory OIay or rored"lu" on your Illonga~. for ~uny (10) dIYSITIltl) ll1e dal. of ~lis NOlie. Dunng ~Ialllllle)'oll 1ll1l.1 IITll1Ig. ,nd IlIend I 'fIC..IO.r,ce" 1ll..llIlg WI~I U reprel.nlltive o(Ods I.nder, 0' WI~II dClll!l1lled Con'Ulller credll coumehl1g ,g.ney 111. I)lJlpole of~lIi 1I1..lIl1gl. 10 .1l.lllpIIO work out a r.plyment plan, or IQ OOI.rwlbe 1.111. YQlI1 dehn'luency nllllll..III1~ Illllb\ 'J<:eur Il1ll1e ne~1 (30) day.. /fYOIl Bltend ~ rICe.IO.f,Ce m.ellng WIOI ~IU lender, or wllh a CQnlwner c,edil counsehl1S Isency Identil1ed In ihl. nollce, no f\u1her proceedillSlll monglSe rOreClllSlJlel1ll)' Ilh place for Il1IT1}' (30) daYllllle, ll1e dlle orll1ls meeting, The n41l1e, Iddrm Il1Id lelephone nwnber or 01Jl r'presenlltive IS: Mich.el E, AJlemlll1, Collecllon SupcrVIIO' VALLEY BANK AND TRUST COMPANY 3607 0'1l}' Slreel, P 0 Bo~ 4662 HIITllblJl'S, PA 17111 T~lephone Numb~r' (717) 237 .61:3 or 1(800) 336.304') The n41l1u oIJ1d Jddrm ~r delll!Jlaled COlllwne, cr.dll coul1lelins IgenCltl ilIe .ho"n on Ole ollache~ sheel, It is only nl!1:"'lIl}' 10 .chedule one rlCe.IO,flCe meelll1g You 'hould OdYII~ 11\15 lender Immedlllel)' ~t'YOlJl' Itllenlion" YOIJl mongl@ellltld.fault becluse YOIl have fOiled 10 PlY p,omplly 1J1.lllImenll ofpnnclpaJ Il1Id IJ1le,esl, II required, Co, 0 penod of IIle"l ""ty (60) del'S, The 10111 41I10unl ofll1e delinquency I' $14,26170, Thelswn Includes ll1e followlns Monthly palm.nls of S2l7 ~2 for .D~e 6. 1:990 Il1Id JIIJ1 lhroutlh Oea 6. 199111J1d S226 40 ror JIlI1, llIlgY8/1 ~ 6. 1992 Jrld $213 i8 ror I~ !!l!QYlllI gec 6. j ~1!.!!!l~12tM.~Q1QU!!!l J!irQy@!)ec ~199"-!!l~ $212 86 (or JII1 Ihro\11lh Dca 6, 1995 ,nd S214 79 fpr JIlI1 Ihrnullll Apr 6, 1'/96, pili. lole (ond olher cbnrmlof SO 00 Th- Pennoyl'iIllJ~ HOllsll1g Flnlll1ce I\gene)' COil be reJChed rOLL FREE 01 I (SI)())3i2.2397 0"111' r.I' n'(, RIIP",,~ QI'I . I'., Auo 5 6 Oil All '96 II " li'il.i. Il E 1/11 ~', '( I, 'i II III A I' , 1'1 " I' I ,II I " ,I iI I ,I , ii' ., 0:--... I ~\ , , , I " I , , , I 1,1 i " I' " ,I 'I L I " I I I, " I , , , " , , I I II , , H 'I " .1, I , !1 " , , ; , :1 I' '" I l' '. IN THE COURT OF COMMON PLEAS OF CUMBEIMND COUNTY, PENNSYLVANIA VALLEY BANI< AND mUST COMPANY, 0 Ol\llllan 0' Dauphin Depollt Bonk and Tcult Company, CIVIL DIVISION NO,: PlolnW'. v, JOHN S, VAYANOS and EVANGELINE VAYANOS, De'endantl, . AND NOW. comes Valley Br.mk and Trust Company. a Division a' Dauphin Deposit Bank and Trust Companv, by and through Its allorneys, O'l<ee'e, Gcenen & Blr51C, P,C" and tiles this Complaint In Mortgage Foreclosure as 'allows: 1 , Plaln"It 15 Volley Bank and Trust Company. a Division a' Dauphin Deposit Bank and Tcust Company, whose principal place 0' business 15 located at 3607 Derry Street, Harrisburg, Pennsyl\lanla 17111 ('Plaint"")' 2, Defendants ore. John S. Vayanos. on adult Indl\lldual cesldlng In the Commonwealth or Pennsyl\lanla whose lost known address Is 213 North Pclnce Street, Shlppensburg, Pennsyl\lanla 17257, and Evangeline Vayanos, on adult Indl\lldual residing In the Commonwealth 0' Penn5yl\lanla whose lost known addcess Is 1641 Hlllsdale Avenue, PittSburgh. Pennsylvania 15216 (herelnoltec COllectively re'errod to 05 'De'endants"), 3, On or about January 6. 1984, De'endants executed on Adjustable Rote Note In 'a\lor 0' PlalnWr In the prinCipal amount 0' $25.000,00 ('Note'), A true and carr..ot copy ot laid Note II marked EHhlblt 'A', attached hereto and mode 0 port hereot, 4, On or about January 6. 1984. 01 secullty ror payment ot the atorelald Note. Derendontl mode, eHecuted and delivered to Plalntlrt 0 Mortgage In the original principal amount at $25,000,00, sold Mortgage being recorded In the I Ottlce at the Recorder at Deeds In and lor Cumberland County, Pennsylvania on Januory 10. 1964, In Mortgage Book Volume 743, Page 524 ('Mortgage'), A true and correct copy or said Morlgage containing 0 description or the premlles subject to sold Mortgage Is marked EHhlblt 'S', attached hereto and mode 0 port hereor, 5, Detendants are the record and real owners or the aroresald mortgaged premises, 6, Derendants ore In detault under the terms or the aroresald Note and Mortgage tor, Inter 0110, rallure to pay the morlthlY Instollmenh or principal and Interest on sold Note when due, 7, Demond lor payment has been mode upon tha Derendants, but Detendants hove tolled or rerused to pay, 8, On or about April 24, 1996, Derendants were each moiled 0 Notice at Homeowners' Emergency Mortgage Assl5tance Act or 1963, In compliance with the Homeowners' Emergency Mortgage AS51stonce Act, Act 91 at 1963, True and correct caples or sold Notices ore marked EHhlblt 'C'. attached hereto and mode 0 port hereor, 9, On or about April 24. 1996, Derendants were each moiled 0 Notice at Intention to Foreclose Mortgage In compliance with Act 6 at 1974,41 P,S, 2 .. , , " ,I' 'I " I I Ii I I ii .1 j i I i/ 'I , ,i I I , . '~ " , I " " .1 " I , I J'i I , , " , Ii , I I I I " I I I I II I I , , , , I I I , , , j' , it I , . ADJUSTABLE RATE NOTE lWITIf I.IMIT llN INTEIIE8T RAn: ClfANOE81 Thll OOClUmllnl Conllln. Provl,'on. Allowing 'or Chlngllln Ih, Inl"..1 RII.. 'no".... In Ih. Inl".., A.,. will A"uI! In High" P'ym.nl., O.e".... In 1/11 Inl""1 R.II wIll Rllul! In Low" Plym.nll, --_._--_.~. ---..._~-. Chlllllh'I.hurll, 1""loylvOllo ...;J..~ iJIU)~ .6._. I U ri-oLf- 36 South Quuan Str.ut, Shlppunsbury, PA 17257 -..---.......--.-__ u_...____ .__. ,Ptlll)I"t>' A-M,.-lilll ,- -----..~----._'__.h.~. _._.__________.. I. 1I01tlUlIH:Ws PIIOMltl" TO P,\\, r- III r.lu'lI r'>r II '<llIlIlhul I hllvo r.,'.'v.oI, '11"'"11'. III pu'y US $ _.2~OOO..c9.2..___ IIhl. Ul1l1lllllllo culI,d "princlpol"), plu.'III.,..I, 10 Ih. .>rd., oflh. L.llo1.r, "11. L'"".r i. VulI.y llul1k ulld T/'llOl C<lIlIPOIIY, I ulldol1".lId Ihullh, L,,"d., llIuy Irll110r.r Ihlo 1'1'11. Th. '-.lIdor'>r ilIlY<lII" wh<l rok..IIII. 1'1<11. hy IrulI.f., ill1d wlllllo '"l1ll..J to "c.lv. P"YIlI.Illo ulld., Ihl. 1'1",. I. cilll,'d lh. "N.". If<lld., " 2, IN'I'ImEST 'lllor..1 Will h. <IHlrK.,1 'Ill lhill PMl'lf prll1dpul wlwh hill fl<ll h"11 pilld, 1111.".1 will h" dHlrw.d h''lillllll1ll UII tho dul. <If 1111. :'i,". ill101 C<ll1l1llfllllll '"lIlllh. filII II'JloIIIIIl IIf IlllIlI'llllIl hill b.. 11 1"1101, U.Wllllllllll "" llw ,1.11. "f Ih" .'I'll., I WIll PilY 1111."'1 ill il Y.il,ly 'III. "f L:1.~.._'M, Th,. 1111. i. cull.d Ih. "I fl 111111 Hlllo 'If 1111""" " Th. rill. IIr IIll.r." 1 Will pil'y Will dHlflK. III iln"m'"I1<'. wllh S.ClIo'" . <lr Ihl. NOI., Th. rul. 'If 1111.,".1 r"'IIIIr.,j hy till' 8."11'"1 111101 S'CII'"I i .,f 11110 N'll. I. Ih. rill. I will Il"Y hOlh h.foro ond un., BIIY df(uuh drscnllt..d In Sij~lhJll 7dlllJ( thllt I~llll' :), PAYMENTS (AI Tim. IInd PIli.. Ilf PUYIlI'IlI. I Will pny PMl1l'lpullllld 11J11!r1!8t by Il1Ukll1llllflYl1Irl1lti I.lvery In'Huh I will milk. Ill," 1l\'"l1hh' IlIlYIll'I1I, .111 'h. .\1 ol-I. dllY <if .II,;h 11111111h h.KlIlIlillll <Ill ...J: ~~~ 't I; _ III .8..!~ I will Illilk. Ih.,. flll,YI11.IlI. .".r,\,' 1I1'"llh 'Ill III I hllv. 11111,1 1111 "f Ih. j1rtl1clfllll .1,01 inlor..llIlld all~ olh.r ,,11I1r1l.' ,1.'<'rll,"d 11.",. 111,)1111111,1' "",' 111101"1 111" ,,",,,. If. "11 ;:n>,N_~~'1'J) 2i1, ()J,. 1.1111 """,)III'''"ll. 'mol., 1I11. N'II., I will flll,1' Ih",. 11111<111111. III full Oil Ihlll ""l., which I. <III1.d th. "1I111lunly ""I." I wllll1l1lk. 111~' mOl1lhly PIIYI11"III'"llh. 1..11""', offl<.locI"." III Chlll11h.,.bllrK, 1'01l11.ylvlIlliIl17201,O.M orul 4 dif(enmt plllel' If rt."llJlrl.'d hy th~ Ntlll' I-fohl'!r ill) AIlHlllll1 '" :lflllllhl~ I'IlYl11elll. , My 1I1'"llhly p.Y1l10111 Will b. 111 Ih. III1I'IUl1l. oJ( l' S $ j 7~M_ Till, .'MUIIL will ch.lIll. if Ih. rille or inl,,..1 Ihlll I 11111.1 flll'y ChIlI1K.., Th. 1'1"1. Ifol".r WIll dOI.rll1ll1'l11) l1.w rill. "r'IlL.r""l ulld Ih. <honll.d Olll"unl of my 1Jl'>nlhly pnYnll.'I1l111 .:1ccurdul1(," with S~ctllll1 .1 1)( tlllll NOll-. oj, INTEHEST HATE A."//J MONTHL Y I'A y,\I"NT CflANGEIi (AI Chllllg. Dill"' n'1l1l1l1l11K 111 I ~I a_~_" lh. rill" "f IIll"'." 1 "'II flll)' II1I1Y chilllK. "11 ,h. JQ:r.ti dllY 'If lb. Illolllh or ~~I'~'L..__ ,"'" '"llh,,, ,I.,)' """r,\~X 12Ih:; :10th ,Olo"!""'/I 'In,' h,,, 111<'l1lh lh.r.ufl.r Elich dlll.,," which Ih. rlltl.' l)( illtl'(l'Sl "'1)lJld dlillll-lf> It; l,-,alll"f i1 "CIWflj.{I' DUll!." (/lITh. Indol< Any chlll1ll.' 11111", rllllf "f 1111.'.., willi", hil..d ,," c/I,llIK." Il1lh.ll1d.", 111. "Ind.,," I. Qllh,"ClllllrOelllll.,..1 Rot., l'urchll.' <If Prll'I<lII,ly Oo:cUfll.d "'lIIw" 1'1 1I1101l1l1 A v."IIK. fllr 1111 MIIJllr Typ.. 'Ir lAnd.,." II. modo ovollobl. by Ihe I"".rlll HIlI11. Lolll1 LJIII1 k Jj"ilrd, Ilr C Ill<' mllnthly IIV''''II. ,Y1.ld 1)11 l'111l.d SIIlL., Trell.ury .eclIrillelOdJulled to n constunl milturlty 111'.1 Yl'nn~ 11M OIihh. 1l'.illlll1hll' by thll!' F'l.!ufrul Ht.'dt.'r\ll.' Bllllrd, ,{'ht'ck 'Hl/} 'HI I' hill! If Ihe 11101.. I. 111) I"ll~.r IIVllllllhk Ih. 1'1"1. 11"I.f.r will c/1I"". II n.w 11101." wh,r.h .. bll..d uplln C'"npllrobl. ,n(ormdtinn TIlt." NeH.! '-I'JldL't will W'l\'l' 11I1' noUn' il( thiN ~hl)ll'l: PENNSYL\'''NIA_SI"~Io' "-""111,1'-'; ,"-FNM,\/l!IlI(<>rm In.lrum'lllllnl.r.", .tIIl. Llmltl ML.ARM....HN.VH:I 1'1 11 'rh. nrwllllll.. nVllr. fllr 11110 ~IIh' I' ',: , . 1"0 ",.11011Ih.'I)rtll1l1l1ll'/I'." Th. IfIlllll rllnl".h Ii\ 0111.11111, IlIlh'_ 1\.,1"" .1" I" Ihl' ,'.ltal -~.9. .111)'. h."ilrl' ,,"dl l'lltln,." P,HlI I" l'II!1.d th~ 'l:lHTll1t I,,~.." Il'Il'lll.lllollll" 'If l'hIlIlV'" Udlltll tllll:h f.'h,UI.,., 1)411" Ih., ,\"", 11111111., 'Alii d.'h.tlllllH' 1111) l'hUIl.... II) m\ rUIl' IIf 1111""'1' 'nlt NIHt' tllthf" Will <01"111,,1. Ih. "11I11'011 ", Ih" ,lill,"""". " ,111\ 11.,"""" tI/I' ,"m."'I,,,'o. "II" 1110 ')rt~I,,"III1,J.. Ir Ih. C:"".lIllild.. " hlwh.r Ihillllh.' )rtWIIlIlllllol.. 11\1' ~"h' 11..1,11" 10111 ,1,1"1/111 ,hll.,.", 0'" Ih.' 1111110.111,,1. "flfll.,,,, If,h. (lI,mll IfI,l.. II l"w.r Ih"fllh. OrtvIII,,11 ,,01... Ih" ,\"'. 11..1,10" 10111 '11111"1<111... ,hll",,,,, "1111I11...111111,,111111' 'I' '111.,,01 'l'h. 1'1,", ll'II,Jllr Will thwl1 rlJlHllJ 'hr rutHslI.,' Ihlll 1111111111"'11' NlJhltIH'lIl1f1ll' Ih" IIWIltI1.IIIfWljluar\II, Ilr 1ll1lt 1).rl'IIHu"., 1J1IlnllIJ ~^''''l HubJfl:llo Ihr limit .tiHtIlll'l SIII:IIIII1 111)1 IId_,.... Ihllt tIIlUIIII,., .1/11111"'1 Will hVlhL' flll"' rnlL' o( InllltnlI IlIn tttll'm..d II) pu)' 'l'h. NIII.. lilllal", 'Allllhl!l' .holll'"I1IlI> th... IIl''A .111I1111111'1" tI)) 1II1/1I1hl~ IHI)'IIII!"t Ihllt 'AIII,II' h~ 'lJmel""l hJ "IlIlY th.. 'llllJillll1lhn., IJrlnt'IIJIlIIJl.llIn':ll 11111111'11\ IIII' 1Il11l1lrll)' ILUI' .H m~' IIl''A ,.111'111 InCUr-'b'ln .lJhiVtltnll..lly 1'llllllllWYItHlIII.ll Thl! r"lIlJh II( thlllll'U"'llluIIIIII 'Alliin> nIL> 1l1''A ,III1IHUH .1' lU~ mllnlhh jJ,I\ltWIlI 1111 1.111I111111 IlIlor..1 lilli" I'hllllll." ""\11 r,III!II"ll1ll'rlflll '.UIl rl'ljluTI'I' IlIjlH\ .111111 1l1'\..r Itl' IlIlrltllllll.II"lh,.-,.,.IItI!lIIII1IUl~' IUI1~11f l'h.II1Wtllllllil h)' 1fI'lrt> Ihlll1 IX h~'J IJltrl:lllltullL' IJ'Jlnh I J I)"'. ..~ Ih... la'rl'l'IH'ltHI 11.1111111 ,,", II ':,j 'f '11....4. '1I1/) '"11' '''HI "rullI thL' rUllt Ilf Inll!rl!1l J hu\'t' hluPIt P'IYIIIIl ,.a .;fr..ltlvw Uoto Ilr I:hol1llo. Th., 'lVW rutl.- I)" Il1hlr&l.t WllIlllltllllll' 1'111'111' 1'111\ 1.'.11'11 l'lhlll"lIllllh' I \\ III Pol\ II,. 'II \\ Illl...JtIl ,Ii 11\\ 111111111\1\ l'UYI11.1I1 .och IMnlh b'Mlllnlllll 'Ill Ih. I1r.IIII'III,hi)' pll YIII.II I ,1111. ~fl.r Ih. Chunw, 1l,11. 1I111111h. IllMUI11 IIr I11Y 11I11lllhly PllYI11.lllllI IIMollI,'hlll1W.oI IIr I hllv. hIli)' r.Pllld Ih. 101111I WI Nlltl.o I,r ChllllllO' Tho 1'1111. 1l"ld.r will 1111111 ,,, d.I".t I" 1110 1111"11". "f Illl~ <IllIlIll'.'lIlh. "m'IUIll of III)' 1II'"llhly P"Y11101l1 bofll" Ih. .rr'CllV.'!III. "f "IlY c/llII1W. rho 111111". will IIIc1ud. IlIr'>riI/llllllll r"lII Ir.d h)' IIIW III h.IlIVOII II,. ul1d "'Iu Ih.lIll. "'IIJ lolophllll. lIul11h.r 'If" p.r.'111 wllll will "1I.w.r ""y 'IU.III"lIll1llIY huyo rOllllr'hllV Ih. 1IIIIIc" n, UOlmOWEH'1l IWHIT TO I'Il.:I'A Y I hUYllh. rlllhl hI 1l1llk'llU)'IlUIlI0 "f IJn/ll'lllIll 'II 'lIl)' 11111. h.r"r. Ihoy oro du., A l'"ym'"1 Qf ptlllcil'lIl ollly I. known 'II a "I"OPOYOlOIlI." II'h.1l 11I111k. II IItllI'UYII1.III, I will 1.11 Ih. 1'1"1' IIQldor in ul'll'r Ihull 0111 dlllnK 10, I m"y lI1uk. 'I rulll".pU)'IlWIlI'"'' 1I0rllull'r.puYIl1.1I1 wllh"u'I"IYlnll ony p.nlllly, Th. NQlIl Hold.rwill u.. ulI Qr lilY Ilr'PUYlllolll. 10 r.duc. ,h. 11111')11111 uf Ilrlncll'lIllhull 'IWO ulld.r Ih,. 1'1"1., If IlI1ilk. 0 portl~l pr.pII)monl, Ih.,. Will bo n'l d.lllY. 111 th. du. dill.. "f illY m"nlhly puym.nll UIlI...,h. :-I"lw Hold.r "VT"" in wrillnlllo Iho.. d,lnYI, My potlllll 1".I'UYOl.nl Will ,.,JU,'. 1110 um')l1111 "r IllY 111"l1lhly IIIlYUI'IHl .ml)' IIft.r Iho Orol ChBllv' PilI' folluwl II II illY I'U rll II I 1"'puym.1I1 lI"w.,." uny r.olurll'ul .Ju. I" lilY IlIlrllill I'r.p"y.nl mil)' b,' orf.." by UII Inler.11 rnt, Ina:rUlllUt ij, I.OAN CflAHGES If 0 IIIW, which npph.. I" 1I111 I""n und which ..1. m"x,,"ulI1l'lal1 chorw.., II OIlBlly "llorprfl.d 10 Ihllllh. inlerut 'lr IIlh.r loon ch"rw.. coll,,:,.d 'lr '" b. cullocl,d In COlln.clilln Wllh Ihlll'llIn ..cud th. p.,mlllod 1Illlllo,lhon: IIll1n~ luch I"un chllrlle .hllll b. r.,Juced by Ih,ulI1uunl n""...ury 10 redllcolh, chBrK' 10 Ih. pormill.d limit; and 110 IIny IUml IIlr.lldy mll.cI.d frllm nw whIch oxc..d.d lI.rnllllod hmitl will b. tofulld.d 10 m" Th, NUl. Holder O1ny chll"" 10 lI1uk. Ihll torund hy r.du<lnIlI11l' prlndpull uw. "'\If., Ihl. 1'1"", or by Illuklnll U direct pBYIll.nllo m,,1f U r.ru/\I! roduc.. pnllelpul. Ih. r.~l)clluII Will b. ".ulod u. u pllrllill propuYl11onl. 7, UOIUlOWf:n'S I'AIl.l'HE TO P'\ Y ,\S HECjl'lHEIJ 1'\1 Lulo Churllo r"r Ovor,JIl. PU~1lI0/ll. I (thl.' Neill' '-t',ld!;'r hUli not rl~"-'III\'l'd till' fulllllnllut .)1' IHI)' I)" mY 1ll1ll1tll Iy P"Yl1h.'lll., hy lht~ unit 'If nft'Wn cllltmdur 1111)'11 unllr lh.. dal... Illli dul'. I will pl'~' l.llltl! l:hMMl' lllthl.' .'J')ll.' Hlllelllr rlH.lllIIh)Untl)(thl,l churu... WIll hI.' ~__:Il)o(my I)Vtlrl'Ul- pfJYI11~nt Ilf I:.rlllclJhll iln" IntL'rl'tH I will 1m)' lhlff 111la.' chllrt(1.' nlll}' '''WI.' 1111 any Inll.' p"Ylmmt. 1111 1J0fuu It If 101" nul p"y II", full II 111 "'JI1 I 0)1.,,<11 111'"llhly I'UYIll.II' "" 11111., I will b. III d.ruull. lei N"t,". of uoroull If 1 11111 In 01.1111111, Ih. N"I. 11"ld.r II1UY ..nd lI1'U wnll.n n"lIc.I.lhnlll11'lhulifl d,,",,1 PllY Iho"v.,duUlIIllOUIII by II C.'."'" 01,11', Ih. N'll,'II"h'."I11"Y ro'IUlr. O1. t'II'U~ Imm.dllll.ly Ih. ruIIIIII1Qunt"rprinc/p,,1 which hu nUL b"lI pUld on,Julllh.,nler..llhllll ,)W" 'm Ihu,u/ll,,"nl. Thill dill. mUll b,uII.""1 :IO,Jny. Br"'t Ih.d"",,," which th'n"lIc, II mailed (0) 111' ." II ill' n", mUII.d, :Jt) duy, IIfte, Iho dill. ,'n which II I. l!.hv.,.d In m. IDi Pllymllllt or N"lo f1"ldor'. C,,"t. olld Expo,".o, If Ih. 1'1",. H"ld.r h". roqlllrd m. I.. pOly "nmedlot.ly III full "" If..cnh.d IlhllV., Ih. 1'1"1. Hold., Will hllv. Ih. n.hllo be 1)llId bllck r"r 1111 'Ir,l. cII.lIl1nd up.,,"..11I onr"rC'fllllhll 1'1"", I" Ih. .kl.1I1 ""I pr"hlblled by appllcubl, Ilw. ThOll! t!xp..ndl!b Includl'. (or L',wmplL', rl.llUlllnlthll.' Iltlornl'Yl' (,u y, I.l/VINO 0.' NO'l'lO:H Unl.n 'Pflltc.hl.low r"l UI". II dIU.r.I1II11.lh'1l1 "r MIVlnllllllllc., 'Iny nllllcol h~IIl1U,t b'lllV,"l11 m. und" 1111, 1'1"1. will b'lllv.n hy ,J.IIY.I'IIIW II ur hy 1l1111ltnw II hy 1\,.1 c1u..11I011 ","'r....,'to Ill. '1IIh. PruP"'~ Addr... .bolv.or II. dl".,.nlll,l,jr... Ir I wlv,'lh. 1'1111. 1f',hJor II lliIlIc. "r lilY ,ltff,,.nlll,'dr~.. Any n"lIc.lhuIIllU.1 h. Ill\'.nl" Ih. N"I.IfIlI".r UII".' Ihlf 1'1"1. will h. WI VII) hy 1l111111nM II by nm cl.., 111.11 10 Ih. Nolo /t"ld., IIllh. u,IoJr." ,101.,1 In H,cll'lI1 :11,1, Ilh".. ,,, III 0 Ilifr.,onllld,lr... Ir 1'lIn wlV'nll nollc. or Ih" dlU.,.nl od,Jro.. I}, Olll.JtiATIONS 0" PEllHONS UNLa;,t TIlls Non: If 11I0" Ihllll 'JiI' 11""111 .'UII, Ihl. N',I., ,"ch ,1.r.'II1I' rull)' 'IIHJ 11."llnlllly Ilhlllllll..llu k",11111 'Ir Ih"lrlJllll... IlIld. In Ihl' NIll., In<lUlllnlllh,'''UIl1If. lu 11IIY th. (ull IlIn'lUIlI "w.d Any 11""111 who I. a WUIlrUlllor, .ur.ly, or III,Ju,..r "r Ihl. Nul.l. III." 'lhhwlII.d lol,Jllllw,olhlllll' Any 1I'lr.'1I1 Wh'lllIkol ov.r III. .,hIlI/UlIlllI' un,l.r thl' 1'101. ,,, III1Y 11""111 wh" lok.. '''or Ih. "hhllllll'"I'lr IIIlU"rulllur, .ur.ly, ,,, .n,J,,,.o, "flhIK 1'1"1.1' 111"1 'lhIlMal.d "I k"flllll"r Ih. ''''11111... llI11d. III Ih" :'1'11. Tlw N"I. 1f"loI.r III11Y '111',,,,,. II. t1llhl. ulld,,, Ihl. N,". UWlllnl1 .lIch fl.rl'lI1 1I1lhvlolu.lly ,,, IIllllln.I.11 "rU.lolwolh.r '1'1110 1lI.lIn.lhlll 'lilY "". oI[U.III11Y h. r"IIlII'.d 1" fl.Y' 1111 uflh.II111IlUI1I.IlWI.J un,J.r Ihl. 1'1"1. II), WA/V.:llH 11I11,J OilY "llw fl.r.'1I1 wh" hll. "hlllllllloll1. ulI,J.r 1111. 1'1,.1. ""lvo Ih. nllhl. or fl,...nllll.nlllnd n'llIc. Qf oIllhQn"r. "I',.,.nllll.nl" 1lI'"n. Ih. rlMhllo 10'IUIr'lh. N"I./t"",., lu ,J.1l1111HI flll)'I1I'11I of IIll1uunll duo, "N'llICI Qr dllhonor" 1lI.lIn, Ih. r1llhl I" "'lulr. Ih. N"lo 1f.,ld.r 1"Il1V. nQII,'. Ihlll IIIl1'JUnl, duo hll.. n'Jt b..n Pllld, II. THIS 1'10'1'10: HECl!IU~O IIY A MOltTOAClE In IId,JllIonlo Ih.J"ol""lIQn'll1vln 10 Ih. Nol. Hold.r unol.r Ihi. N'II., U Morlll"Il., dol.d Ih.181111 ulhl, NOI., lI'ol.cl~ Iho 1'1"1. IJul .r rr"llI fl,,..ihl.I,,..., which I!1lllhl r.'ulllf 1 oIQ n,,1 k.o" Ih. l>rullll,.. which I m.k,'n Ihl, Nul., That M,JrtMIIH' d..cnho. how IlIld undor whlll cundlllunl I nlllY b. rUllolr.d 10 mllk.llIIllledlul. pa~m'nlln full Qf 011 Imounll I"wo und.r Ihl, 1'101., gOlllo 'If Iho.. c'"ldlllQn. IIro ,J.,crib.d III t!lIlfonn C'lv.nunI17 of 11111 MOrlll.,l', wl1lch p,ovldu no f"lIowI: "nln_", 1)( thl "nlp"I)'l "',,"',"plll)l1. ".11 'It un II'" 'It II", P,ul""> 'Jt 1/1 1n1"~lIlhrtfln I' '1IId Q, "."."n.4 b~. nll","U' ItIllhlllH I...".,,,. P'I>>' Wtlll." (11''''/11. udl4dlnw '.' Ih, ("Illlun I'" h," Ilt 'n~"'mbul1u ....bo,4In.I' ItJ 1111. ~QtI..., 'bl th, l'".lllllllJf.. ploI,ch."mIJn,)' 1t(l,j"I) IJU.rrtl (o,hl,...uhIJ14 .pph.nr,.,lel.. H.n.flt h)' 4nllt, oIUffltl..,t b)' IJI''''UIIJ'' IIfll~ I,IIJIlIlII1,oI"II1I1' 'jlJl'" 1'11'"1." ..., 'ht .JlnllJ( '")' IflluhlJhJ 1111'.."1 '.1' Ih,.. )',.u lIt I,.. I\IJI Nnll1nlnJ .n IJplllJn W pllrt:h.u, L.nol" III')" It l.."d" If QPII',", d,d", .11 Ill.. .UIII, .wu.,J b~' 'Iu. M'IN'_" lu lw Immrdl.I,1) oIu, In" p.)'.bl, 1-111"" .h.1I h.". "'I\N ,luh "IJIIIUlIII nul".I, I', pno, lu 111, ..I. or H.n_'.r. lAn"" .n4 Ih, pttlon l.IJ ~hll," 'h. IJ,up,")' II 11.1 b. fill" IJr lun.r.n... UII[11 .II'tum,nlln "'"'III,lh., Ill, e,tdu Q' .uch ,Hr."" IllIItll(.rll)'> hi LAn"" 1I1"lh.llh.lllI.,...1 pI).hl',I/1 Ih'f~ml ,re"," b)' Ihl' M'Ju"" .h.lI b. Illueh UI, U 1..1101"'hili '''1''''1. '(IA/l"" hUll ....I\~ 'h"JplIlJn l.IJ leul,,,,. Phl\I..,d In 'hlll'"t'.IIpll IT, .noll' UljlTlJ~'t'. IUl'UUQ' 1111111,"" hili UItCUltd. wnlun ''''HnplI",n l.trrm,"1lu:erpl"lIII wl1un. b) unol" LAn"ltt.hull ,,1....'I)"'ltI1....' hum IlIClbll,.IIl.ln. un"" Ihll ~tl)tt,,'1' .naJ 111. NlJlr If Ltn.'" ""0,,, ....(h 'llllhHl 10 l(nl.tll" lAlld" .h.1I m.1I U'I"'I~" ""tier '1' .n.lrllllu" In ,l'nl,4.IIu wllh PI'IIW"lIph l~ h."tJ{ r;'Hh Miler .h.ll ptQ\'14. II p'1ll14 IJ( "l.lll... Il1ln ,III Ii.YI (rom Ih. d." 'h. lIullr, II rllluh-.j ""1111111 ..hlth lillrtl)~" rn.) p.)' 'h, lum. dt<l.".j 111,1, ,( UlJnl'~r' (.III 10 II') "nh 'um. pnll' ll.l th. '.pllltlon I)' ....~h '''111)01. Lrn"rr m.)'. W1lhulH f...rth,' nlJllctl,,",mlnaJ ,'" U1IttfJ...." In.'jh 'f1)' rrm,dl",JtM"'lltaJ h) fJlr..t.ph II! hr'f'll(" Wllno.,: ~ 'Sl.:.J C? G?..c., - SOh" ,,-.i;.:y.- . .._._ SJ;::;. (? !T.'~~______,._. &,;..u.~t.<u~~!J.P.'KnUKY _ tSull Evangmne-Veyan05 ~ -ho,....., ._~ ------ .....------...-..-.., - -- - --. --- --.- lS.al) -lRrN"'" IS.all -Bo'ro~" 1:;.,,11 -"..,t""",-, (SllIn O"lIma' On')') " (JUlIrllnl)'lIl1d SlIrlll)l.hlll ""''''"11111 FQr VlIllIlI RIIClllvlld ulld IIl1clldlnl/ ltl hll ICI/ully blllllld, lhll Vndllr.ll/lllld ,1111111 hllrllh)' IIncondllltHlolly lI"urllntll. IllId h"C'HlllIlIurlll,V rllr Ilw dw IIlld 1IIIIlCluIII PIIY,"lInl or IUcl1lnlllulllllllnl"r vrlnclpul 'II' IIn<l InlllrUlI 'Ill Ihll wllhln Mllrll/UI/II NIII. UII IInd wholl I/lIch IIl1ld hUlllllll1l1llt IIhllll r..p.cllvllly hll':III11I1 dUll Il"d puyuhl. In IICCllr<lllllCI/ Wllh 111" ltrllllllhllrllllr, whllll1l1r IItll1ulurll.v 'lr hy dllclol'olion, IIcclllllrlltlim'Jr IIlhurwllIlI, 1111 Willi 1llIlllIlI<ldlllll/lIll "m II II III' IIdvlInclIlIlInd 1111 otl1l1r IIUI11. plI,d by IIn)' h'lldor III' IIl1ld N'II,IIIl1 ,"' 1111 hllhlllf 'If Ihll tIIukllr Ihllrllllf IllIr'Ullnl III lhlllorlll. uf .,lId NlIlllllr Ihll Mllrll/lIl/e 1I0curllll/thll .1111111 fhll U/ldonll/n.d 1"1'111)\ WIIIIIIH 'IllY prll.II/l11110/l1 fill' pUYl1lllnl, nOllclII,f n'lI1lhl~'nw/ll, dllnhllld Ilr pmtolll, dllduro. Ihlltlhl. "bll~ulllll1 I. ,lhbllhHlIll/ld IIIlC'II1IIIlI'lIll1l.und 'I~ rOllb th.llllbhlllln',1 hll rllllluHlld hy II/lY OXlllnllllln 111'1111111 for plll'llllll11 IIr h~' IIny "Ihllr 1111111111' III' tltllll/ WhUI."I/I,", wllll"'''Y lhll UlllJorllil/lllld 1111 uhll"luII/ ~lIunllll'lr Illld burlll,I' '"horwlb' wl,"I,1 "t' I1Ill/hl 1111 rlllllu".d 111 CUIIII dllfllull hlll11l1dll 1"11' th" .,1...." 'Jf Ihlrt~' "UII ",1,1" 111 till' p'I~'tIlllnll,f Iln~ bUllh .III. ulldllr .111" MOrll/III/o Noto, Ihll L'ndorOll/nlld hllrllhy IIl11pllWllrb '1111 'Jl"mw~'lIf ,In,~ c'lllrlllf rvcllrd Wllhlnllw L'lllllld Stllloll III' Atllorkll or olslIwhorll ", Up,lIIl1r rill' Ihll L'ndllr.'l/lllld lind, wllh 'lr wltlNul ClIlI1phllnt J1ll1d, ClIllfll.1I judllomonl, IIr II 1I0rloll IIr,lldl/oI110'1I., III/Ulll.tl/W L:lldor.ll/nlld 111 flll'lIr ,,1' IIny h'Jldor Ihllrllllf, o"Jf IInv lAlrl11, I'llI' Ihl/ unpuld hlllllnco 'II' tho 1m nciplIl dohl, IIddltionull'lun.ol'ud 1'lInCllblllld 1Il1,"hl/rlumb plll<l b~' O/l~ hold or thuroof 10 or 011 bohal I' o( Iho l11ukllr of .old ,\I'lrtlllll/lI :'>vtv pu rbUlInllv tho lIIrl11. Ihorlll,f or III' Iho Mll,llllll/o lI"curinll tho .II/l,." tOl/othcr wllh Inlorc.1 lhllr.'Ill. ClI.I. III' IIUII IInd 1111 IIl10rncy'1I C0l111l1111111on ror CII1111"11 'Jt1or tho I,~ ':,1 JI.rc.nl or th. tlllllllnd.btedn... 'J/) which )Udl/l11l1tll'lr ,udl/lllllnt. onll or morll oxecutioll. 11I0Y IOIIU. forthWith, Tho Undorllll/nod hllr.hy fl""~or WlIlVlib IIn,J rlllollllo. ull errorll 111 IIl1id pmcoodl/ll/, 1'0'1111'11' .Iuy of IIX."UlIIIIl. Ihll 1'111111111' 1I1l1ul.11I1ln IInd .xl.n.il," or limo III' pu~molll, IIllroell 10 e,,,,domnlltIO/l of U/l Y pmJl.rt~' levied uplln h,~ l'lrtw III' lIny .ueh eX.ClIlIlln, IInd WUIVOU 1111 oxol11J1llonll (1'0111 II/I')' und 1I111~ III' uny prllporly Ihut n,.w I. or h.rouft.r muy h. OXOtllpt",' by IIIW, '1110110 prollontll IIhllll bind 111. l'ndorijllllwd un" Ih~ l'nd~r.'l/nvd'ij hlllrij, OX~CUlorij, udtllll1ll1tralors ond 11116111n., IInd 1110 benol1t. l1~r.'J( ijl1ulllnuro Ir tI1I1I1I1Y.~ u( .uld ,\101'11/11111/ :-;olo,ltij ~uece..orll and 'usillnll, If oxecutod by moro Ihll/lOlle perllon, till. obltlllllllln und tl10 u/ldl/rtuklnl/sl1erllunder ijholl bl/ jolnlllnd IIqverol. Wltnl!u Il1e duo OXOCUlIon h.roof thin du,\' o( , lij Wltne8ll0d by: IBeoll ISIIUII -- -_ ,~qull 18"ull " AMENDMENT TO ADJUSTABLE RATE NOTE THIS AMENDMENT Tn A/J,JlIS'I'AIlI.I-: HATE NUTI-: i. IIllld. Ihi~ _____<0 -r_!.'~__ ,jIlY 'If ~ N"~_~ I U \L'!L, IInd I~ 11l':'Il'p"r11I.d 1111.0 111111 ~hlllll," d..lI1ud 10 II11l0nd IIlld ~u/lplulllol1t I.ho Adju.tablu Hlltu Nolo 111'11," 'IIn1<' dlllotlh" "Nolo"l Kivoll by Ih.lllldor~lllnod lilt" "llorrowur") 10 VI1I1~y B.nk und TrulII C'Il'II1HII1Y ul1l! "I..olld",,'). 'I'h" N'Jll! I~ .l!,'ur",j hy II l\I'Ir!HIIH.lIlld AdJu~lnhlu HillA! HidorM thu '11111' dolo, AIHlITlON/\1. CO\'ENANTS Notwlllldllllldllllllh. "01'.111111111 IIlld Ilflr.l!IIll!nl.lIllld.. III till! 1'101'" /lol'row,'1' IIlld 1."n,I.'r, IlllolI,lilllll'l bu IUlllllly b"ulld bl!rl!by, 1'01'l!n:l1l1 IIlld IIllrl!. II" fllll'lw~' UOHll1llilllllln Ihu 0111111 of Ih" Nilll! IInd "'''lI~~'li''llu''"IIW"II'''IIl'lIl1h. llftlll' 1111' dill,. 'Iflhl! NOll!, Iho L~&~I~' wlllpllY 1111..,.'.111111 Y.Ilr1y I'll II! "f ,- - ,_.f ,,"I.. Th. th., Iw.lv,,'11/IIl'1tllhl.v /lIlYIIlI!IlI11 will ho S -:.. '"lid), BOHi/lIllllfl tWl!lvl! 1111 III11tllh. IInol' thl! dllll' "f 11ll! Nllto IInd Clltlli/IUlllllulltil {l\ollly'f'lIlr 12,1) nllllllh. IIftor tho dlllu Ilr 111<' N'll", 11ll! 1I'lrr<lwl!r willplIY Inr.""I!I1' 11111 Yl!lIl'ly '''''' l)f ______'/(). Thu Ihirtuol1th Il:llh, thrlJllllh II," twonly'f'JUrlh (2Hhllll0lllhly 11llYlnl!Ill.I1 will hI! $ "H.JJ_l!lIch, CUnlll1ondl11l twollly,r"ur (2,1) l11\ltlth. 111'101' 111<' dlllo "f Ih. NUll!, Ihl! rlllu 'Jr Illlllru~llInd Ibol1101llhly pllYnlunl will bOlldju~wd In IIccurdllt1~O with thol"l'nu 'Iflho Notu, Tho rnlolldju~IIIlI't1IIU bOllllldu Iwonly, four (2,1) III 1.1 11lh II 111'101' Ihll dlllo of Ihll N OIl! ~bllll t1'11 h" llllvl!rlled hy Iho 2% It III i III Ihlll Ut1I1I1Y Chllt1llo 01110 providod fur in Ihl! NIIIO, Thl! rlllo '1(lt1I"I'O~IIIIJl'r'IWor I~ 1'0'1 ul I'l!d "I pilI' ~hllll nlll bo in~roll~"d urdocrol1~od Iwunly,rour (24/1Il'1I11h. IIfll!r Ihl! dlllo 'Ir tho N."o hy lIlur" Ihllt1 4'11, fl'lJlIllhl! It1llilll HillA! of llllorollt. Thu I3l1l'rcJwur~ h""I!!Jy l!llIpowor IIt1Y 1I11llrnoy "I' IIIlY <lJUrl 'If r."IlI'd Wilhlt1 Ihl! lJt1twd Sllllo~ uf Al1lori~1I or olaowh"rol"Il/lP"1I1' fOI'lholh"r'lw'lr. lIt1d, wilh .11' withou I ';l.Il11pllIlIlI nl.d, ~ot1ro~~ jlldllollll1nl, or II aorio~ Ilfjudlllllollla, 1I11llit1~llhl! Iloll'rowol'a III fllvor Ilf 1111.1' hllldor horoof, II. 'If lIt1y 10rl11, for Ibo Ulllllltd bl1ll1n~e or Iho priudplll doht, IIdditl'lI1llll"nu~ 'lI' IldVIlt1~.~ Ilnd nllllthor ~UI1l. pllid by Iho holdor horoorlo or on bohllll' o( Ih. lJllrroW~rij IJlll'~Ullnlllllhl! lerl1l~ Ill' Iho N')\l! "I' allid 1\l01'1HllllO, l"llolhor with ullpllid Interellllhoroon, CO~Ul ,jf ~uilllud IlI'OII~OUllbll! ll11ol'/1oy'a ~O/JItlliutiilH1 (or ~oll.Clillll, "/1 which Judll'l1lont or jl1dll'/JI0I1II1 ono or mol'. ox~culi"n~ tllllY i~.ul' fllrlhwilh UpO/1 fllllurl! tll ~"mply wilh 11/1.1' oflholorms IInd conditlonll o(lho Noto or ijlltd M.JrlIl II 11'0 , For.o doi/111, Iho NOhl "rll C'JIJY o(ll.hllll b. II aufficlont warrllnt, WI tn...: Sj~C?~ ~~(J WF John 5, Vayano,i; -,a."."" ~:~~/~~-ii5 (/C~"rr...r -------.-------..-----.--..-- ,._-~-..__._._.-.----_.,- .---.-------- -Uj)tt"~"'~ -ltllrm-....r Ml.,ARM,Adm,ARI'H ~:I \ II: " 'I I, 'I 'I ,I , I " " " " , ','I , " , 'I ~ I , I " " , , " ~ ) I I I , I , , 'I " 'I I I I , ,I I " i! I I" !, , I I I, " I' , i :-1 MOR'I'GAGE III1HMIIIl'/lI,\II~;""'"",'h" ~ .T~ II.~", ~"'''IV''\l'1 I" "4, IlI'lw.." ".. M,,,1MIIMII,. JlllllI U, V,\VNM ""~ ~VNN~,.I"H V^VNi9~, hI' ~1I, IhvH'IU'III1t1mt'~"'I, 1iI11111h~ MIlU""""I1. YIIIIII~ 1I""k Il'H' "',,,,,. l'IIIIII/llII~, ~ 1'.'IlII.)I~It'1I11 01""",1111"111'"'1111"""1'111 ...'tlln" 11,..'" Ih.l.wI I" """II.~I~lmhl, llIhllJlI ,IIII'fJ'."I. l'IIIWlhv,IItIUtI, lo"llll~htll"'lijlll..l'lillll,,~h'l/IIlt 11'JI1I1Untllhll'J1It1 "I.llth',", WII..;IIf-lMi. \111'''''''''' III IlIIh.I.I..,'IIII...n.h', 1IIIIw 1"/IIl111"lltllllllll Nfttlrr"fJ y~ nmlJ~ltu,) (f~~IUHIJ,I)1J '1.,11111.. .hhh III.h-IIlr.ln""11 nhlll'h'I't' It) U"HII"'I"'. H"III "'1111" ,11""'11I . Ntlh'''" IjHI~hll/l" h., llllllllhl~ Intllullmlllll. II' ""111111f11 111111 IIIlr'lIl1l, -.1111 III.. hllllllll WI" lIul IlIIh,lth'llm'.I. II 11111 1I1"'"l'I 1'11111, .hH' ollll"hl~,I"llIlIlI 'I'll H~:I l'II~: hI 1"'11111., hlt Ih, "'II"~IIII'1I1 .,1111" Ifllh,""'ollH,....I'\ohh,II....'II~ IIIii' Nllh', ~1I1111111"I'd IIU""lIl1o I"", 111I~1II1111111' ..111,111.., "1111I11, l4-lIh IIlh,,,,..IIIII'II"III, ,1I1~11lI11'" ill 01110'1.1'1"1' h"'"Vlllh III lit I,ll.." 1I'".I'.-IUll~ 11'111111 MII,IWw.,,,, .'lIIllhli' jll'1'1"III<IIII'.I,' Ihlll'l'~I"III11I/ll '"111 ol,UI..""'IIII1II' tI'l'Io''''I'' """'11I1111I1"111111'. ,111I1.1" Ih.. "111'.11I11111 HI wilY h'hUII ,...hUIUI'tI, *lIh 11I1..'''.1111''1'''11I, IIl1uh. h,lIol"I".," It)' 1_"11", 111'''11,,''1 ", 1"""W'I'I'h"" h"H""lh.t,I'1 "1,'11111'" AlhlUII'1I ", 1II/HU~" IIUII. hl'llIh)' 11I1111"11"", "'111I1""1' 'IIII~II) 11,1""11111' II" '1IllIIVlIII" 1'...I,tlh...I,IIIlI"U)1 'IIL'U'.I' 11I11" nnltll)' II' t;~1J1I r .L,,"~1 , Hldl, II' "III1U..""'."lu AI.I. th.t ,arl.l" 1,It ut Iru"l~ wllh tho hllll~'''I. .n~ 1.I'roV'.."lo thot.'llJ ."'I.~, .It.'"'h iJn lh" CI.t'HH IJ( Ot.I1Il" IUl~ IIUfllI1I l)lrlu,L In lh. hl.ltlJijMh 1ft l)hl,111IlnlllburM. t.:ijlllbllrllltlll CIJIlItIY, J'lIll11.yLv..,lhl hlJWhJUaJ 411aJ ~1I..ctlb..~ 1M tulllJW.1 011 tll. hUL b~ o'IUl'" Strut! un lhu NIJtlh b)' IlrlJlltttL)' tunllrl)' iJt Hr.. I~wall !)en..... IIUW nr tlu.rl)' ut I'''rc~ W, ~'411Iun un lll" \.'ut b)' I'rlll'Nrt.)' tl)tpu,tI)' ut ,hlhll f.. Il~h..r. IIUW It, 'IJrllWrly.., "'111111 A. IrUtlllrl 1111 lhll thuuh L)' Orlln._ l)t.tllWl. ij41~ hH Ihwln_ " hunt"M" IJII 'll,lI.n tHuuL I.t OILy (~O) luull tll)U lJt lu"" , """ All "'''lIn ....11th IJt ....Y.llly..t'"'' O~) hnL, _"r_ iJr lll"lf. Pf.IHU tho .... whIch f.1..Il11r H. It.rKI..o.~ .II~ ~url It, Iturlhro.~, hor ho.b.n~. b~ th.lr ,I..~ ~i1l0~ Iho <:i'nl ~.~ ot '<I""',""\' , 1~81" tll b. ~oly "'or~.~ IIlHMWllh In Lh" tJrth:" l)( Lhll ttll~ul."&lr ...., 1)",,11_. In .naJ r.,r Clllnhurli\lhl fl)lInt)'. 1"lIn.ylv.nl., 'UIIYOY.~ to John ~, Yol~'"IO' .n~ ~:V'nl'lln. V.Ylno., hi. wll., th. Hotll''''''' h...ln, ~ -, ,. m :n ,," " - "" tJ " ,..., S ".,. 'I'l ' ~ " ' '1, ''II'" ; , f' 01 WIII,II hu Ih. .,1011". III . ."Itlt "111/~III''''h I .lh,,~I)"I'1 q".VII 6t rvot" 111\''''11 .,. IlIlIffln "I tItl,...,I.. ^lhI'It....I~ ~hll'I'.I'.I'nrK, ~h ,I'II~' IN~1 IlKIH'I'II~;1t ~lIh 1IIIIhlt IInp'IlVItIlU",I. tllll" II' hl"tI>>O,'r tr(l\.'WIIIIII IIII' 11'"II"'I~, IInll 111l1'1l'.'lllrlll., "wh~o "PI.loItt.IIt1t1L....o tllllll, ,u>'I,III...II, IIIln..,,,I.1I11 111111"11' "Whl. "111'I'flInl.. "'0111". WIIII/' ".,htM. .1111' WI,I." .lul.'k.lllIlllIlt nll'U"" 'IIlW '1' 111I"'lln..r lIuua:h,.,j III Ih.. Ilnll'.,tIY.1I11 il(~hh'h, lnrludlll" h'IIIIII'I'tIIl'IlI'IIllI' 11I1II11111'1.IIll'tI'Ill, 1111,,11 h. IIUIII",I hI h. ,11101 h'IIIIIIII" pu,I'I'lhllll'III...,ty nt"'.tfllll..lllI. Mlltt"ltlll'~ 011111 'lllllllhlt(II"'''"III~o IIIIII'lh.., Wllh lI,hl 1)t1l1"")I hIt Ih.. 1...III.,h"ld 1'.'ul.IIl( Ihll Mu,I.",.,.. I. 11111' h'lllI..hll'~I.1f1t h~"dn 11I("tt',,; I.. oil till! "1',ullI'fly" Ullt'IIIIt'., ~'ltv"lIll1ll, Ihltlllll"UW" '1IIIIW(lllly IIl'llIl'tlll'IIII'I'.'IH.. hllt..h)' 1'111I\011)'1'11 1IIIIlh.l. Ilw "lIhlhll'"ltl."I.", 11'.111 111111 ""II~")' Ihll Ilt"I>><<")'. 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"'"10:., /I, CIf,\IHa:sl 1.1I':NH lJ,lIfllrm 1:"VOII,"1t I 'if Ih. ~.""l'lll '""r'"I1"IIII. "",,,",/,,01 10, rOlli/ ". f"II"w, '., Chorlll!" 1.1011., Il"t"t',w"r "llIlI,II'Y "111,,"0,, """..111.111.. "11'/ "1111" dl"'N"', /111". ,111,1 11111111.'11'111. ""rllllltllblu I" 'h. I'r"II.rIY wlllo:h III,' Y ,I Itlll II " flrl'''" Y "VI', Ihl' ".""<11 Y 111'11")111"111, ,'"o1lol".h"IoI 1"'YIII'IIII, 'II' Nr'"11l,1 r.,It., Ir lillY, III Ih. 1II1111'hlr 1""",,1...1 '"HI., fl'll""Kr"I'h 1 h"r",,1 'II' 1111'" fl,",I 11I"...h "1""11.', h" 1l'lI'r'''"I/' lI",klllN PUYIIIOIII, whol1 '/''", 01'''''''1" ",Ih. I"'Y"" Ih."I'II' ""11 1"""',h""'"'"I1I11''' ""II"h '" 1 "II'/"r .,11 "'111".. "/'"1111""1,, oIu" IIII,lor 1111. I' II tII k'rll ph , IIIH/ '" Ih" """III It,""""",. ,11,,1111I,"'" 1"'YIII""1 '/Ir""'y "'Jl""~"',h,," I"'II11lllly """II.h 1'1 '''I1''.r r"""II'I, '''''oIIIII''1I11l ",,'h P"} """"" 1111",,,, "I ,I, ,," flr'"l1flll" oI"dl"'U" ,II' \ h"1I ~llIdl h.I" 111'''"'11 Y ''''or 1111. S"""IIY '".'ruIII.IIl, 1"""",/,,01, I IloI I It,,,,,,,,,,,, "h,,1I11111 h" ""'I"lrl',j '" oI""h,lrll" ,II'" ''',,'h hI/II "., ""IK ,," 1I'"'r"w", IlIi.hllll UIl"'. III W,ltllllll'llho 1'"YIIlOIII 'II 1111' ',hhK,II""1 ,"'1'"1'01 h" "',:h /1'1/1 III ,11I1,1I11h1r .,n'oplllhlo I., l."IIo1.r; I b,.IIIIII'11 N'''loI fllllh '-'II1II!.1 ,u,'h hOIl by, 'II 01 IIll1 II 01 "Il'III1.' ""I'''''I!II'''1I1 "I.II.h h"lI III, "'K,'I'II"I"wolIIIK. wllI<I1111Ih. 'JIIIIII,," .,f l.ul1.1.r 'Ipor" lu 1" III."Ollllh. Oil f"f'C.111011 I "'I h. hOIl ,It "Jl"'" url! "I' Ih 1/ I'r"Ill/rty 'Jr ,111 Y Pllrllhoro"f; 'In ct. 111111 ,"o:ur. fr"lII Ih. h"loI.r "'.uch h.11 III'" UKr"III0I11 III " ""'I' ,ullfu"'"",, I" 'AlII,lor .II""rdl 11.1 II ilK .IIl."h II I! 11 I., 111I~ SocurJly IIl"ruln.1l1. If I.ond.r 0101""111110. Ihlll 1111 ,,, ,lilY flllrl "f Iho I'r'lfl"rlY I. "lhlo':1 I"l' 111."11 wlwh ""'.Y ,'1111111 'I flri'>rIIY ''''or lhl. ~.':IIr1lY fll.lrllI110111, '''l1dor ,h'lll ,0,,0I1l')rI",wllr "''''''0 "/IIl1l1fYIIlK '"...h illlll "')rr"wor .hull.II11.'" ~II.'h 11011 "r tuk. 'Ill. '11' 111'11'" 'l( Iho '11."111111' '01 (,,,.th .,h,,,',, Wllhll' lOll ,III", "I' Ih. KIVIIlK 'I( 11'''1>'0 C. NOTICE LJIlI("rl11 C'jVUl1ilJll II 'I( Iho ~1I""'f'Il" '''.Ir',,,,,,,,, " "I11Ol1dod I" r.",l ,'" (,II'"w, 1.1, N'llk., E,'l."ofll (,,, 1111" 1I'"I,:. r.'I""o,J'JlJd.r ,lllflll"II"'" I,IW I,) ho KI"I!I1I" .111,,'hl!r 1ll11l1l1or, lillllny Il"tieo to ll"rr'lw.r pt-'IVloIl!d fll' 1111/11. SO"UrJIy 111.""1l1011l ,hllll ho KlYlII h.v d"I".nlllllt "r by 1111l1'"1K It by nr.1 clOII moll .dd,....d I" lJ'Jrr"wor .lllho I'r'lp.ny ,\,J,lro.. 'Jr .It '"eh ','hor IIddr... ,'. I,jllrrllwor Il1UY d..11/111110 b~ 110lleo 10 1.011.J., II. p"""oI.d h.'OII1, IIlld IhJ 1111" ""11,'11 I., "'11010' ,hlllll,. KI"oll by /1,.1,:111.. 111111/1" 1..lld.r'. udd,... .Iuted horolll ,,, I" 'U<l, <lIhor IId,lr... II. 1.01101,,, ","" dO"KIIUI., bv 11'''1'''" 1'1 lJ'''rowl!r ", fll"Vldod hl!,"ll1, Any ""lie" provld.d ("r 111 Ihl. ~.Cllrll~' 11I.lrlll11.1I1 .hllll "0 d.lI"wd '"IHI"o ',"II" K'YllII I., Il,,,.,.,,w,,,,,, I.lIl1dor Whlll1 KlYol1ll1lh. InOl1n., IhHUlll1jlt~d /1l'rL'111 D. l'NIFOIUI ~ro/{T(;Al;E, GOVEH:'IIN(, LAW, SEVEIl,\B/UTY L'llIfotlTI ....lj\lIHlUl1t 1:'5 I" ilml.'lldl'd tl) rl'lJtJ .l.i fl)/l.m,s. l.~, l'l1lflll'm ,\fllrtKulll!' Gllvornllllll.llwl ~"vl!ruhllll.v, Thl" (orll1 'I( SO':IIr1I" 111.lrullllIlII '-"l11blno. ul1lform C'IV.IlUI1I. ror II III 10llill U.I! IIlld 11 ,,,,.UII I f.>r1l1 """I/I1Ulll. w"h III11"od VU""I1>II1. "y iun.dieli'IIlIO CI>n.lIIUII! 0 ul1irorm 'OCUnty In.lru""'I1I"'''''.nl1ll roul proflo"y Till. S"c"nIY 111.""111.111 .hllll h.Il"""lIod by (o.lorul low und Ih.lllw of Ihl! Jlln.dielhll1ll1 which Iho Pr'Jflort" 1.10c,"od, llllho 0"""1 Ihlll III1Y 1"0"'."}11 '''c1'lu'.Orlhi,SocunIY fl1.trumolll or Ihl! :-/,". 0:01111'0:1. with IIllflliellbll! luw, '"ch "'''1111'"1 ,hull nol II ((oel '"ho, ''''''''"''''1. 'lflh"S.curilY II1.trumotltor Ih. N'll. which "'UI1 "0 Nlvol1 '(1'0...1 Wllh""1 Iho ':"lIlh"IIIIK l"OV',,,,,l, ul1d "llh" 'l1d Ih. pr'lvl.iol1. "flh,. Socllrlty IIl~trlllt1tml JnfJ th,! ~IJlL' .1rL' dl'durl'd to hI! .il!\,er.lhll'. E, NO FL'Tl.'IlE ADVA,'l/CEH :--"III,L'Ill("rll1 ':"""1111111 11 ,,( Ih. ~""'lr"\ II1'trllll1"111 I "Flllllr" ,\"""""""',,, dlll.'llId, 10', LOAN CHARGES (I' tb,) "lUll ,ocurod h" II,. S.""rJ1Y II1.lrllll1l!1I1 '" "lh)oCII,' ,IIIIW which '''1'111'''1'''"'11 "11111 ':h'''1l0'' IInd th'll fuw i, 1I11,llIy '''Iorflrllllld "I Ih,1t Ihl! ""0""" ,,, ,)Ih,'r 1"'"1 charll'" "'Oll.<ll,d ,,, hI h" C""''CI.dtll ':I)nnl!clion wllh IholoBIl I!'co"d port1l1ltl!d 11111/1', Ih,'" III ,In" '''I."h 1'1.111 <I1,arKo .h"II b" r.du"l!d by thl! ,lllhlllnl 1l.".....,Y I" roduc. tho chllrllo I" Ih" p.rll1lttod 1111111., ,111,1,21 ,'IlY "'Ill" ,",0"01,, "'IIIOClod t'r"111 B'Jr,.,w,,, whh'h ""'''I!d.d p"rrnltl"J IImll~ will b, r.f"lld.d tl) El'Jrr"wllr LII"dor 111,'Y "h,,,,.,. t""I"k" th,. "'(01101 hy roolu"'IlK Ih" prtllclplll 'Iw".l IIlld.r Ih. N"t..ar by 111,'klnll ,. ,IJr.,.,t P"Y11111111 t., ll.,rrolw.r It' ,I rOI""ld ,,'0111"'" IJrlllClp"l, Ih. r,'oIo"'I>'1I WIll h. IrUIII.oI '.0 ,I pllrliul prtfpllYll\lJOt unc.Jlfr thll ~IHI~. e " _. \ 'j ( ", H...~ c., "J 'J,... ' G, LEGlijLAl'lON If, .ftlr thl ,J~tl hl"'lf, II1Ul'11lI1111 'lr "kIlIrUlhm o( JPlllicuhlolllWI h,IVI Ihl .rrocIOllhlr 'If ,"nd.nn,lthl prQvl.I"n. Q( thl N"tl, thl Slcunty II1.trullIlnt 'lr thll Ad,ullllbl, HilI. Itldor /lJlhor Ihll1 Ihll pllrUllflpl1 0) unlnfo,cllbl. 'cc'Jrllln~ lilth.lr ""no, 'lr .11 'lr .,lY p.rl "f thl lumo OICIl,",J h.,.hy UI1C"II<<lllhll, at ollurwl.. provldld In 111. Socurlly /lIllrUI11.nl In,f thl. A,f,U.lllbl. Itoll III"", "r 'If dll1llnilhlnlllhl vatu. 'lflAl1d.,'1 "curil~, Ihln LInder, II LOl1d'r'l 'lplI'm, ITl'y ,f.dor. ulI IUI1I1 ..':urod b~ Ihl Slcunty IIl1lrll1110nll'l hOl/n",o,flolll~ dUlOn.! p~yahl., 11I1"ch IVlnt, ll""""'.r .hlllll1'll hlvo th. nllhtlil rOII1I1,11. 'llh.rw,.ol'r<lV"JI" 111 N'm,Ul1lr'mn C,lV.1I4nll U or thl SOl;1Jril~ Il1l1rulll'lll, 1 N WI'J':>/f;SH W m:ltf;'!F, 1I'lrI"Jw.r h.1d IIICUlooJ IhlO A,fJu.tilhll H,ll. Itlilor WIlII..I: SiJ~ GC2~ c----. - (? r) _. "";:j '. ,.....,.. , ~J' l--,~ .--<5) J ~~~~ -;; -, ~~~~ (A~' --.. '-jj,:~::~: l1r.1!"n~ - ,,- IS.oll 'u/ -U"'l'Nw.r l!lu.)) -B4trQw., (S.III) -OQtrQWf, COMMONWEALTH OF PENNSYLVANIA, c;,UHBERLAND CQunt~ III On thl"III" 'il"''' du~uf -:fI\NIJlI\RY ,1,u~1 b.fo,"mo, Notary - PUb 1 C 111. "ndl"l~nvsncor, Illnonolly uppoorod John 5, Vayanos ana -- EV4~\lel fne ""j'''' ~ _ known \Q 111. (o"alf.faclorll~ prov.n) to bl the th. poro"" -- who I nom. L!I:'t,ublcribod to tl1. wltl1ln Inltrum.ntund acknowled,led tl1al they ..oculld th. 10111< for tho purp<>lu hlroln con18ln.d, In W1NTESS W HEREOF, I h.r.unlo lot 111)1 hund Ilnd oCMcllllual, . ,II'" l> M~ COIllIllI..lol1 uplr.., o "',...:. ~w:.<R. '":l~ 1\ 'l ~ - ", ,- , /J ,........, ~~ C?u......, ,.... .\,\:"~' David p, Perklnt, NOTARY PUfll,I~\,} 1, ',,' ,;' My CommlllID" top"" ""Ob" 10, r~ "., \),p", "II "'1" p~ "'l1p'''ur"nrt f'IHn,"'J ',_ P ~. 1iII'",,,..,, Ii ., " ., .... nil", om", ~ Cerllncllt. of RSlld.nc. 0' Mortl.... VulllY Bunk und Tru.I Compllny, MortIlDIl" wllhln numod, hor.by cortl"ol Ihlllt. pnllciplll plllco "f bu.lnoli II 41 Chomb.,lbu,w, P.nn.Ylvonlll, Commollw..hh of P'nn.~lv"nl.. l l III Villl~y llllnk IInd Trult ClJJnpon~ ",_-{2[:.u'~1.C +7=. County of Rucord.d In Ih. ornco l)( Ih. R.enr,lo, <It' 0..,1. In Jllll r,,, 111,1 l:ilIlt1ty on Iho oilY 'If ,11), In MortW,IIl" ll'1lIk Volum. , P"Il' Wlln," my hond ond Ih. .011 '11""111 'Ink. thl ,1'IY ,111,1 yo", .at'nrol,lloI, &,11;,( ~'l:l I:ALf f):)()l"",." " , I I ',1 Ii I ;'11 " , I I, " 'i " I' " I ~ , , II , I , , , , Ii! " I , I' , i , i H I ,j , I I: , 11 , , [, Ii " , '.'1 " ,;11 .. , , , I I! ;)1 , , , , ACT 91 IMPORTANTI NOTICE OF 1I0MEOWNEllS' EMt:RGENCV MORTGA(,E ASSISTANCE PROGRAM PLEASE READ nus NOTICE, YOU M,\ v IU: ELlGIIJI.E FOil FINANCIAL ASSISTANCE WfIICU CAN SA VE vault IIOME mOM FOIlECLOSUllE AND HEtP VOU MAI~E FUTURE MOltTGAGE I'A YMENTS nsle Apnl ~~. I ')'!tJ ,~ Accounl No I'll HI':, 1'0 FROM: lohll S Voyono" 1~ S q',cen Slle<l, SllIpp'n,bur~, "A 1 i~57 VALLEY UANK AND mUST COMPANY Vou may be rlllllble for n/1A/1c1.1 llul5l1l/1Ce IhAI will preye/11 foreclr15ure 011 your /1Iongllll! Ir you CIIJllply with Ihe IIrOylllQlI5 of Ihe Homeow/1ers' Emergellcy MonllAge AlIllIllllce ACI of 1911J (I he "ACI"), V'IulIlay be elllllhle for eJllerge/1cy lelllpOrAry 11I15IIl/1CI! Ir your defAult hilI hee/1 cllused by c1,.cUIl1Sfu/1ces heYtmd you,. cO/1I,.ol, you hAve II rUIQ/1l1ble prolpecI of ruumlllg your JIIo,'lglllle pAYll1ellll, IInd If you JIIetlolher ella1bllllY reljulrtlnenll tIloblllhed by Ihe I'C/1l1lyIYIIIIIII Housln!! Flllllllce AIIC/1CY, Pltllle reld III of Ihll Nollee, II CO!lIAlnl A/1 ul,IA'11111011 or your rlllhl5, Ul1der Ihe Acl, you nre <nlllled hI olel11por...y 'I.y of for<<lo"lIe on your I11Qll~o~e for IhlllY (lO) duys from ~le ,Jsle or~lIs NOllce lJunns ilIOIIUI1~ you l11u'lmnnse ond an.n<l 0 'rB<..lo.fo~.' 111..IUI~, wllh 0 r<pr,o.nlollv. of~li, I.nder, or wllh 0 d"lgnol.d C(Jn"uncr ~I.<III C,IUn,.hI1S o~.ncy nl< PUIP"5< ofilllsl11..nns 1010 on'l11l1l to wOlk oUI, repo)'m<nl plan, or 10 olh.r""". "nl. yo"r <I.lln'lu<'1<)' nu, Ul<<IUI~ 111"81 "ccur Il1lhene~1 (l0) doys I(you o\lend a foce'IQ.roc~ I11WItlH wllh IJII' lender, ,,, ""h n COIl81Uner credil cOlJJuehng sgeney idenlill.d In UlIS n,)lIce, no tllI1her proceedll1S In I11QM~O~elor<cI,,,ure 1I10y loke ploce for ~lIt1y (lO) dsys oller the dale ofthll 1ll..lin8 TIle nsme, oddre.. and lelephonenumber of our represenlollve" Mlchoel E AII.ulol1, Collecllon Supervloor VALLEY I3ANK AND TRUST COMPANY l607 Perry Str..l, r 0 130~ 4662 HlltT1sbur~, Pt\ 17111 T .I.phon. ~umb<r (17) ~J 7.617 J or 1(800) ll6.l049 The nurn<slll1d addr-..s "f de"IPIOl<d consumer cred" coul1sehng asenclCs nre shown on Ule 41loehed sheel. It IS only nee....1')' 10 schedule on. foce'la.foce me.IIIIS. You should odme Ihlsl.nd., unmedlo'ely of your Inl<nllons, Your mOMssgell in def,mh because you hove f4l1~d IQ psy promplly lI1S1ollm~nlsorpnncipoll1lld Inl<"ol,18 requlred,for I period of 41leo., 'I~ty (60) do)'s, The 10lul am0lll11 of the d<hnqlleney 15 $1 i,261 70 ThaI sum 11I.ludes the folloWUlS: Monthlv Do\m<nls of S~J 7 8~ for Dee 6, 1990 4I1d Ian IIlroullh Pee 6 1991 I1Ild $2~6 40 for JIll\ IbrmIiI1 Dee 6. 1992 I1Ild S~ Il as lor JJlJl.Jbr.ou~h Dee 6, 1991 and$206 SO forlun IhrouQ]\ Dec 6. 199~ and S~12 86 for. JM lI\1'l1l1l/h P~99S 4I1d S~14 79101' Jan illrCullh-LiDr 6 19q~.laJti.illllL1Ibwhnrm)ofSOt;)O 'me PeMsylVl1IllO HouSIl1H FlniUl~. Asency cun b. reoched TOLL FREE 01 I \8oo)l42.2397 Y~1Ir mlll1al.1 " 1110 III 4lr.ull ror thl rQllowlII. rallOnl, NIA lIyou h,vltne4 II1d .,.un.blllo l'lIOIVllhl' probJ.m.1 or aII")'01Ir r'CI-lo-Iice ,"ealln" you hm the "-"I 10 .pply ror tlnll1cl.1 .IIIIII/ltll /'rom Ih. Ho,nlllwn.u' Emer..ney AIII.III1C1 Fund, In ordlr III do 1hI1, you mUll nil ~UI, 1IIP1111d m. I eompl".d H~m'oW1I'''' I!me,.eney AlIllllIIe. Appllullon with onl orllll dllllP1.11d coniumII' el.dll eounj.linM ...n'!" JIlIe4 ulllh. III.ehm.nl An .pphullon ror 111llIlI1e. m.y only by obllllle4 rrnm I eontumer mdll C~Ullllhna'lelley TIle COIIIUrner c,e.J1I counl.hlll .,eney will 11I111 you in 01111I1 OUI)'OIIr .ppllc'lIon II1d WIll .lIbmll YOIIr compleled 'pphclllolllo 111. I'.nnlylvlnl.,loullnl Flnlll1c. A,aney Your .pphellion mUll bl nlld or pOllrnllke.J WI~lIn thll1y (30) d'YI of your rIC..lo,r.ce millin, I,,, wrlm,IYlmportoN/ Ihol >,,1U fll, )I<IU' opplt'OI/dN promplly 1/)I<Iu ria NOI ria 10, 0' I/)I<IU 010 NOI/ollolll ,h, olh" 11m' pmoolllrl forth IN Ih" 1'11", /o",lolu" mil)! pro,,,J OrOINI/ !'OU, ho/ft, '''''''''''01,1)1, Av.i1.bl. rund. ror emerl.ncy IIIlltlllC' II' V'I')' llnuled, TIley WIll b. dllburlld by th. Aa.ncy under th. ehSlblllly crllen. III.blleh.d by ~1I Ael, I1II eH1rem.ly Imponllllth.l your .pplle'lion Ilmur.lellld compl.le in eVIII')' ,..peel, TII. Pennl)'JvlIllI Houllna FIIIIIlC. ASllley hu lill1y (60) d.Yllo make a d""10n aner II '"elveI your .ppllclllon, DUl'inS ~lIllddIIJ0I1.1 Ilnll, no ro,eclolur. proceedlnll will b. plllNed I,.inll you Iryou h.v. mel ~lIllm. requlrcm.nlllll rOrUl .bov., You WIll be noliOId dlree~y by ~l" A'lllcy onu decision on YOIIr 'I,pllcation, The Pcnnl)'lvlIll' HOlUina Financ. Aseney I. Ioc:.led II 210 I Not1h Front Slrlll, POlt omCI Bo~ 8029, HlIl1lbura, PllU1l)'IvlUlJI 17105, Telephone No, (717) 780.3800 0" .800.J4~.2397 (lolllTee number), P.,lOnn>jth Impaired hea"nl Clll caJll.800.J42.2397. In Iddlllon you mlY r"elv'lI1other nolicllTom 1hI11.nder under ACl6 or 1974, TIIII nolle. I. cllle4. 'NOllc. or InI.nUQn 10 Fo,ccIOIl', You mllll r..d both nollcea, Ilnce ~1'y both .~pllin nahllthll you now h.vlundlr Penl\i}'lvlIll. L.w However, II you chool' 10 '~'n:11I your nahll ducnb.d In Ihls nolltll, you Cl/U101 bl rorccloled upon while you III r<<.lvlnS thll UlislAl1C1, Sincerely, ~~,~.if:t2M _ MIchael E, A1llmlll - ----..... ColI<<lIon Suplrv1aor Th. Pennl)'lvlIll. HOUllna FinlllCl ~s.ncy CIU\ b. re.ched TOLL FREE III (800) 342.2397, . Th. nam.. and addrou of d..lanalad consum.r credit coun..Unlll.nc:l.. art Ihown b.low: CUMBERLAND COUNTY Consumer Credll Counseling Servl.:. ofW..,.m P.nn.ylvanJa, lnc, 2000 Llngllltown ROld Harrf.burg, PA 17102 (717) 541-1757 Financial Service. Unllmlled 117 Will 3rd Slreet Wayneaboro, PA 17268 (717) 762-3285 , I I Urban League of Metro poll Ian Harrfsburs 25 N, Front Streel Harrisburg. PA 17101 (717) 234-5925 FAX 1/(717) 232-4985 YWCA or Carlisle 301 0 Street Carlisle, P A 17013 (717) 243-38111 F ~ 1/(717) 243.3948 I, I', , , :, , I ; I I I , I , I, , " , 'I ,I AC'I' 91 NOTre.: TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The COlllllwnweullh Ill' Pennsylvania's Homeowner's .:lIIefKl!ncy MlIl'CIeRge Asslstonce 1"'IlMfllIII IlIny be nble to help you, Rend the nlluched nOllce 10 rind out how the progrum works, If you need more infonnutlol1 call the Pennsylvania HoullnK 1.'lmlnc&! AKency IIC J (800) 342.2397 I I , I ,1 LANOTIFICACfON /iN ADJUNTO ES DE SIJMA IMPORTANCIA, PUES AFECTA SU DERECBO A CONTlNUAR VIVIENDO EN Sll CASA SI NO COMPRENDE EL CONTENIDO DE ESTA NOTll'ICAClON OIlTENOA UNA TRADUCC/ON INMEDIA T AMEN'fE LLAMANDO EST A AGENCIA (PENN5YL VANIA HOUSING FINANCE AOENCY) SIN CAROOS AL NUMERO MENCIONADO ARRIBA, PlJEDES SER ELEOIBLE PARA UN I'RESTAMO I'OR El. PROGRAMA LLAMADO "HOMEOWNER'S l!MERGENC:Y MORTOAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAt. V AR SU CASA DE LA flERDIOA DEL DERECI/O A REDIMIR 5U HIPOTECA i' I'- j AC'r 91 IMPOR'I'AN'r1 NOTICE OF HOMEOWNERS' EMERGENCY MOR'rGAGt: ASSIS'rANCE PltoGRAM PLEASE READ nlls NOnCE, YOU MA Y DE ELlGWLE FOIl .-JNANcrAL ASSISTANCE WHICH CAN SA Vt: VOUII IIOME mOM FOIIECLOSURE AND HEll) YOU MAKE FUTunE MOIITGAGE PA YMENTS 0.,. April H, I'I'I~ RE A~~olJJ1l NQ l'lIHI72 TO E~'"Htlillt V.yono.,.16 5 QUtt11 511<<1, Sllll'r<II,blll~, PA 17257 ItROM VAlLEY UANK ANOrRUST COMPANY You mlY be ellKlble for "nAnelll uslllAnce IhAI will prevent foreclosure on your llIortglge If you comply wllh tht. proYlslolIs of Ihe Homeowners' Emergency MortgAge AulllAnce Act of 1983 (the "ACl"), You IIIIY be eligible fOf elllefgency temporAry Aul5lAIlce If your deflult hAl Imn cAused by circumstAnces beyond your control, you hAve I feasollAble prosllecl of resuming YOUI' mortgAge pAyments, Alld If you lIIeet other ellglblllty requlremenls CslAbllshed by Ihe l'elll15yIYAnlA Housing "'nllnce Agency, PleUl! read III of Ihls NOllce, II cOlIlAlns IIn flpllllllllloll of YOllr rights. Und<rth< A<I, you at< enllll<d 1031<ll1l'or.,.y .I.y orror<do,ure onyoul l1Ion~o@e for thirty (30) d.y. from the d.t< or till' Nollce Ounll~ 1)1.111111< you mU'1 mon@e Blld .lIcl1d 0 "r.C<.lo.r.<<"Il1<ellllij wllh a "p,es<ma!ive orthla lender, 0' WillI a desljjllll<<1 <on5luner credll eoumehnij .@eney 111< purp05< Of~1I01ll..tiI1Sla to ollempllo wo,k oUI. "paymelll pllln, or 10 ~thm".e 1<111< your Jehnquency 'flu, l11eellll@ IllU,1 occur In tho neXI (30) duya, Iryou anend a foce.to"o" meetlns WIth ~uslellder, or With a consumer c,edil cOlJJ1oelins asency IdemiJled it. thIS nolle<, no tlJrther p,oceedlnS In mOIl@age roreclooure lI1ay take place ror llurty (30) d.y. aIler the dale ofthl. meelins, The name, addreu and lelephone numbe, or our represenlBllve 10: Michael E AllemM, COIl4<:lIon Supervisor VAlLEY BAN!< AND TRUST COMPANY 3607 Oem' Street, PO Box 4662 Humburg, P A 17111 Tel<phone Numb., (717) 237.6 173 or I (SOO) 336.3049 The numu 3l1d Jddreaa of dC5l1ll1.t<d consumer credu cOlJJ1sehns asenClea ue sho~ on the un ached shect. It is only n4<:ualll')' to achodul< 011< roce.IMace llleotll18 You should ad\1I< thla lend., immodlalely of your inlenlions, Your mOllgo@ela iJ1 default bmus< you ha~e rOll<<l 10 pay promptly II1st.llmenls ofpnncipaJ and inlere.I, 15 required, ror u period .,f .tleasl SlXl)' (60) day.. The lotal umounl ofth< delinquency ia 514,261,70, ThaI awn includes th<following: ~ pO\m<nl' of 5~J7 8~ for Oec 6, 1990 1lI1l11an throUQh Dee 6. 1991 4I1d 5~26 40 rorIan, throuwh Oec 6, I '19~ 3l1d 5213 48 ror Jan thr~~~Dec 6:; 993 iIJ1d 5206. SOl f9r JM throUQh Dec 6, 1 994.111l1 52 I 2 86 ror hn throllllh Doc 6, 199~ ,md5214 79 for Jan Ihroullh APr ~. _92~, Q]~a !pte [~n!!.Q!h!tt ~!!!!!Qes)or50 00 The Pennsyl~iIJ1lJ HOUSing Fm.n~0l\8ency can b< roachod TOLL FREE al 1(800)34~.2397 . ". The nl/l1es and addrtll of d..llnlled conaumer cr.dll coun..llna ...nel.. are .hown b.,ow: I; CUMBERLAND COUNTY I' r, Con.umur Credll Cuunsellng Selvlce of Weal em P.nn.ylvanla. fne, 2000 Llngleslown Road Hani.burg, PA 17102 (717) 541-1757 I.: r, Flnanclll Services Unlimited 117 Well 3rd Slreel Wayne.boro, PA 17268 (717) 762-3285 Urban Leasue of Melropolllan Htnisbura 25 N Fronl Slreel Htnisburg. PA 17101 (717) 234.5925 FAX 11(717) 232.4985 , , YWCA ofCarlls'e 301 G Slreet Carlisle, PA 17013 (717) 243-38\ 8 FAX 11(717) 243-3948 , ' ,., "I I! I I " .,1 " " , , , ;.! , I, 'I , : I I Hi ;1 il II DH1I112 ,I " I I , , I' " j;1 " 'i I 'I ", I !i , " I " , I I Ii I, , , ,I " , " 'I' " , I " !I'!!, " " ! ,I , , Ii , " , I I , I I I 'i I' I 'Id " 'I ValleYbank ~~I~I. ANOJlIlJltcow-.NY 'I 35Q1 OEARY STREET, P o. BOX 4552 IiARRISBURG, PA 111\1 '18001330,3041 Apn124, ")96 l4blQ[ John S V'YMOI 213 1'1 P"ncI S""I SIUPP"'lbur., PA 17257 QablQ[!.oblipon John S, VIYMOI EVIIlBlliIIl Vlyanol RE Monsl.1 Loan No 5918172 FI-lA CIII No, NonCI: OF [mENTION TO FORECLOSE MORTOAOI' TIll MOI1S'SI held by Dluphln Dlpolll BMk Md Trull Complny Qlcrulll, WI, III or oun) on dll proplrtylocltod II 36 S QUIIII SI1"I, ShIPPll1lburS, Pcnnll)'lvl/lII 17257 JS IN SERIOUS DEFAULT ~~I~~\IO;JU hlVI nol madlth, monthlv o.~mCJJJI of 5237 82 for D..,,~. 1990 IUld Jill IhroulIh Doc 6.1991 4J1d 52~!t~Q !jL~" !!l!!1~!h Q~!t~ 1992 Illd 5213 J8ror Jnn..1lY:2ullh Dee 6. 1993 Ind5206 SO (or Ian throulIh Dlc 6. 1994 4J1d5212 86rorJan, lbmuJIh..Qsc 6, 1995 ond ULi12.fJJLJIIIl throullh Apr 6, 1996 lall chorBl1 (4J1d Odll' chorBII) hove allo ,ccruod 10 Ilul dall In IllI amounl of 5 0 00 ThllOlolllJ11ounl now rlqulred 10 curlthll dlfault, 0' In othlr word., BII clusht up In yolJt p.ymlllll, os of dll dole oflhllleller II $14,26170 You IllIV clJrelhlld.flult wnhll1 Thu1V (0) D,vl OrdlD dlll.ll!JJJIJJIII.r, bv pal'ijn$IO ~ Ib~iIIl10Unl of 514.261 70. plu. IllV oddillonallllolllhJv paym~nlS IUld 11II chllWcs which may f~l. !!l\UUlinslhJl p<nod Such plymlnt mU51 b. mid. either by c..h, mhier'l cheek, cel1lflcd cheek, or money ordlr, Illd modi 0' 3607 Dlrry Sl1llt, Fourth Floor, HllITlIburS, renml'lvlUlJl, 10 dll Undcrslsned, PI\1nlnl mol' be mode by mOil, bUI musl b. recojvcd In 01Jt office by tho limo specll1ed In thIS nOUee !Ll:QU do 1101 curl thl d.ra\11I "'"lnn THIRTY OOl DA YS. We mlend 10 ewelll 01Jt n~llo OCuID.4UC mOI1i1oso pa\'l11elll. Tlu. 1111111. Illo' wholever" ow,ns 011 dIe onBlnolll/l1ounl borrowed Will ~e cQn'ld.red due ImmediUloly und you mol' lo,e the chollce 10 pol' ofT thl on Sinai mOI1@a@c In Illonthly in,lollmlnlJ If full pO\1nenl of Ihe nmounl of defoult IS nol madolY11llll1 THIRTY (30) DA YS, we Ilso Inllnd In 1n01l1lcl 0111 OI\!lJJlI~slo slm alOWOlllIlO foreclooo on yolJt Illonaucd orQoenv If Ihe 1ll0nSIlIII0 ror..:loled. yolJt monso~cd prQpel1V \\111 be .old by .JMj)JentT 10 cav oll' Ihllllon.ue del2J. Ifw. rerer yolJt CDS< 10 our Inoml)'s, bUI YOIl ~lJtlthe default bofore dley bell1n IISI' proceldlns, og0Il1.1 YOIl, you Will Sill! hl~o 10 pOl' the reosonobJe ollomey's rees, oCIO.lly mCWTed, up 10 550 00 Howevlr,lfllSal proceedinss Me slunld OSOln.1 you, YOII Will hive 10 pel' thl rlBSonobl1 ollomoy's fees, e\'en If they ore over $SO 00, Any onomeY'1 feee \VIII b. added 10 Wholovlr you OWIll5, which mol' 0110 Includo .11Jt r~Js'moblo COSII, If vou cure th. lW'A!J11 ~'Ihln the th.nv Jav oenod. YOU Will 1101 bo required 10 co~ ollomev', I~e. \1:. moy also suo you peraonolly ror the \JJ1polJ pnnclpaJ balMce IUld III ollter .urn. dUI under the mOl1sose. " I' " , " , I " " \, O"'fir or III' f"I'I"PI' C)'~rl " I'. Aua 5 6 04 hll '96 I, I I I' " , I, I , 'I " \1 'I " ,I 1.1 Jj I!'/~$ " , I I , 'il , . I .... 1;J", I I' I)E 1111: 1'11,',(/ III !: , , q ,I , , I , I, , I, " I I I " I, " , , " IJI IN THE cown OF COMMON PLEAS OF CUMBEI1LAND COUNTY, PENNSYLVANIA VALI.EY BANK AND mUST COMPANY, a Dlvlllon 01 Dauphin Deposll Bank and TrUlt Company, CIVIL DIVISION NO,: (i~' 1}147 (I ;jt ~ ISSUE NO,: TYPE OF PLEADING: CIVIL ACTION. COMPLAINT IN MORTGAGE FORECLOSURE CODE. FILED ON BEHALF OF: Plalnllfr, v, JOHN S, VAYANOS and EVANGELINE VAYANOS, Delendantl, '~RY r.ER""Y T1ir: ADDRESS OF THI ~ l.AINTIFF I:J 3607 p.wry I'" r(lM Hurrisburll, I'A 17111 , r..',lhO.OtllndJIIIII ~l~f'N. rj~-lncc StrLIL" ) 1 Valley Bank and Trust Company, a Division or Dauphin Deposit Bank and Trust Company, PlalntUr COUNSEL OF I1ECORD FOI1 THIS PARTY: ) LP! DE' Scott A, Dletterlck, Esquire Pa, I.D, 1156650 O'KEEFE, GRENEN & BII1SIC, P,C, 4076 Morket Street Suite 210 Comp Hili. PA 17011 (717) 975.3379 OERTIFICAn: OF LOCATION I HEREBY Gcn'::r-y !HAT THE LOCATION OF THE REAL Esr..re f,FFECTEO OY THIS LIEII IS 36 South Queen Street (CITY, CORO OR TOWNSHIPI (WARD) Ii . e R) Ir JA 1 257 O'K)!;F.l",~. IS C, BY 7 . co TO, DEmIDANTS \; ',I~ fil:nF.P.Y l:or'FI~D TO PLEAD TO THE 1"1, SEI~ _",._~ I', :,:/ 'il'/Elm 11"1 OAIS mOM SERVICE HEnI''J~onAOEh\VLTJ G NT AYBE EliTE RED AGAINST Y '. " and correct copy 01 laid Note II marked EMhlblt 'A', attached hereto and mode 0 part hereol, 4, On or aboul January 6, 1964, 01 lecurlty lor payment 01 the aforelold Note, Derendanll mode, eMeculed and delivered to Plalnllfl a Mortgage In the original principal omounl 01 625,000,00, sold Mortgoge being recorded In the Olllce 01 Ihe Aecorder or Deedl In and ror Cumberland Counly, Pennlylvanla on January 10, 1964, In Mortgage Boak Volume 743. poge 624 ('Mortgage'), A true and correct copy of laid Morlgage ccmtalnlng a desorlpllon 01 Ihe premlleslUblecl to laid Mortgage II marked EMhlblt 'B', attached herelo and mode a port hereol, /), Derendants are Ihe record and real owners 01 Ihe aloresald mortgaged premises, 6, Delendants are In deroult under Ihe lerml of Ihe aloresald Nole and Mortgage lor, Inler olio. lallure to pay the monthly Inslollments of prinCipal and Interest on sold Nole when due, 7, Demond lor payment has been mode upon the Defendanls. but Defendants hove lolled or rerused to pay, 8, On or about April 24, 1996, Defendants were each moiled 0 Nallce of Homeowners' Emergency Morlgoge A66lslonce Acl 01 1983, In compllonce with the Homeowners' Emergency Mortgage Assistance Act, Act 91 01 1983, True and correct caples 01 sold Nollces are marked EMhlblt 'C', attached hereto and mode a port hereot, 9, On or about April 24. 1996, Detendants were each moiled a Notice or Intention to Foreclose Mortgage In compllanoe with Act 6 at 1974, 41 P,S, 2 ADJUSTABLE RATE NOTE I WI'I'III.IMIT ON INTI';IIEST lINn: L:IIANllESI Thll Ooeumlnl Conl.'n, Provl.lon. Allowing 'or Chlng..'n Ihl 'nl""1 R.II, 'no'....lln Ihllnl.,111 R.II will R..ull'n High" Plymlnll, Ole".... In Ihl Inl".., RII, will Hllullln Low" Plymlnll, Chlllllb.l,.hurM, P.nnl~lvllnlu .';fQV:i iJ~,~-'i._~ IU fLJf- ---_.._-_._-~._,._.-.._. _..-.~...... -- '.,- --- ---'-'--',--,- --~ .. -._----~-_....- _.. .-...-- .-. .'---~.. 36 South Quu~n Street, Shfppon5burg, PA 17257 11"11,,"'1)' AlII!,..,,'" I, IlOltltOw.at'tl PIlOMIS.: TO I'A Y hI rolum r"r u I"un IhuI I huv. r.L,.lv.,J, I p'"I11I,o \I'IIU)' U ,/i,' __~.5J,9_00 ~9g___ 11111. 1llII'lunll. cIIII.tI "prlnclllul"), Illu.lnlorout, I" Ih. "rdor Qflh.I"'I\lI.r, 'I'h. 1..lIdor I. Vull.y lIonk untl Tru.t COllllluny, I undll'llllnd Ihllllh.l....n'J.r 11I11)' Iron.for Ihl. 1'1"1., 'I'hol...n.JL'r "r IInYIII," wl\lllllk..lhi. 1'1"1. h~ trunlf.r ond wh" II In II II ,'<I 10 u'colv. 11IlYIlUIlI. ulld.r IhiM 1'1"1. I. ~ull.d Ih. "1'1'11. 1I"ldor," :l,/NTliJU;I:;'J' , Inlo'..1 will h. <Ilurw.,1 'In 1I1i11 lIurl 'Irllrlndpul Wllldl hu. nllll",unlllll,!.lnlor..1 will bo cllllrllld b.Mlnnlnll QI1 Ih. oIuI. "I' 1111. 1'1'11. Iln,l "'lIlllnuhlll untlltl\l' rull Un\llllnl "r IIrln<lplll hll. bU.1I pu"!' Uouinnlnu "nll\l' ,luLu "f Ihl. N"to. I will PIlY Inl.ro'l III 'I y.urly rlllu"f JI~__.'~, Thl. rol.lo cllllodlh. "Inlllul Hlllo 'If Inl.r.., " Th. rill. "r Inl.r..1 I wllI,lllY will chllllW" ltIIlCC'>rolunc. with /io';IIl\n ,l"r IhlM 1'101., Th. rill. ,'r Inl.r..1 n'IIIIlr..J hy Ihl. S.,'IIl\nlln,J S.L'II1111 ,I 'Iflhl. N"I.I.lh. r11101 wtllllll~ holh b.for. and onor OilY ,Jurllllll d....nl'"d III S.,'II"n 7(11),,( Ihl. 1'1"10, :I,I'AYMENTIl (AI Tlmo Ilnoll'lllco ur 1'1I)'IIIUIlIo I will I"I)' Prllldpllllln,lllIl.r..1 by IIIl1klnu PUYIllOIII. .vur)' 1II'l/lIh, I will III II k. III)' 1Il,1t1lhl)' III1Ylllunl. Qnlh. ~~ ,IllY "rollch 1II01llh h,Ulnlllnu IIn 'F"~'l>.\J1"<il 't (0 IU ,8..tl1 willlllllk. Ih..,' plIYlllunl. .\'ory 1ll"lIlh lllllllt hllv. po"J ull IIr lb. l>rlncipol olld Inl".11 ond ony "Ihor dlllrWlJ1i .JI'ISl.'I't1wd 11l'1l/'J.' thlH IIJ111Y IIW.' ulld.'r IIIli" Sill.!, 1(.1)11 ~..\I_(fh"f~ JO, t.)~4-..1 bllllllWI' UlIIlllJl1li" until" lhlt' 1'1'110, I will PIlY Ih".,' IIlllllUIII. in filII '>n thlll dill., which I. cllllod Iho "lIlolunly dllw," I will III II k. illY Ill"nlhly plI)'1ll0nl.llllh. L.II.Jor'.llrn..., loclII.d III Chomh.rohurll,l'.nnl~lvaIlIIl172()I'O.5U or III o dlrforonl ploc. i( r.'lulr,'d hy Ih. Nllt. "old.r (Il) Amount of MUlllhly I'OYIIIOIIl. My IIHl111hly I'"YI1l.1I1 will b. In Ih. '"l1"UIII or l],S, S .1.7~4 Thl. omoUlI1 will chollll.1f Ih. rill. or IIll.r~.t Ihlllll1lu.t plI)' chllnllo., Tho N"I./I"ld.r will doterllllno m~ 1I0w rol. orlnl.rllllllndtho chun,lod urnounl or my monthly pnYI1H.'llt in IIn't1tdunr.'1.' with Hl'l'UUI1 4 of thid Note. 4. IN'I'EHf'::OT IIATE Ai'll) MON'I'f1I.Y I'AYMEN'I'CflANGF.S Ii\) Chllllll" 11111.. 1I0l1illllillu III I:J 111..~., II", "'II' "I' 11I1"r.,1 I will 11"), mil)' l'hllnw. 'm Ih. QJi dllY "r tho m"nlh or ~9~2.Y-.__. nl1lt nn thllt .Jay 1'\"llr.\~J 1 :.tlh :"'J:Ullh ICh,',kIJII'> Ilr'''/''')JIl1IJlllh thl.'tL'uflur. EochdAletm which thl! nUl' or intl/rl!tit t'lJuld l'hlln~l' h' l.'ulIl.d u "C'hul1l.(l'IIIIIL'," !III Thu IlId~~ Any chonu..lnlh. rill" o( 1IIII'r..1 will II. hll..of "" chllnu..III Ihollldox, Th. "Ind.x" I. ilIlh. "Conlrocl Inl.,ool 1101., Pur<llll.. "r P"\'lllu.ly On'lll'i.d /1"1110.,1'11111""0' AV.'OIl. ror oil Mojor T~p.. or Lund.,o" III flIad. avail obi. by Ih. V.d.rlll Bom. Lmln Bonk Boo,d, IIr 0 Ih. nlUnlhly IIV."'Il. yiold on Unll.d SIOI.. Tr.,uury ..curill.. odJull.d to 0 conotllnl ,"IIlurlly of:l Y.llr. 110 11111.1. IIVllllllhl. hy Ih. V.dornl 1I...rY. 1I111lrd /('h.'fk 'Ul/) lilli' hllxl lr tho llld.x io 1111 IOlluor IIVllllllhl., Ih. 1'1111. lIold.r Will choo.. II IIl'W Ind.x which I. hll..d IIpon cornparllbl. Infonnollon, Th. Noll' Blllof.r will UII'. II'" Mlle. "r Ihi. ch,",'. PENNSYI.\'ANIA-HIII~h' VOllllly-7 'I-FNMA/l'nlfur," In.lrum.nlllnlor..l ftul. l.IflIllI ML.ARM."ftN.4/H:l Tho nrNIIIl,I.~ nwur. rlll.lhl. Nil'" 1.1,2,.1 t Ii I. <'1I11.1i III. "lIr1Nlllllllil,t.." Th. nll"il H'l'l'lIlh u"'uII'lhll' lll,h'~ n~l"ll lilt 1/1 I Ill' IllIh' ._,.~5. If II}' It IltJllltl'I'lIl'h l'hlllllH' I)Ull"1I l'ull.,,1 lhl' "l.'Un-UIII Illd.~," ICl ("1I,,"ullllllll1 'If l.hIlI1N'" Ul'fUtl'l.'lll'h l'hII11tll' 111111', Ihl :'\011' IInld"1 "'III dl'It'I'IIJlIIl' IU1Y dHl II., I' 1I11ll~' nil,. II' IUIl/II'hl '1'111' NlIll'1I11ldl1t Will l,'ukulull.' Ihl' UlllltlJlIl III Ihl' dlllt'I'I'lli'I'. 111111" 11l'1\~I'I'I' thl' l.'1i1'l"1II11t'llt,~ HlIll till' I IrltJltlltlllldl'irI II IIH' ('lll'n'nllllllll~ III lu"h!!,- IhUlIlIIl' lhlllllllllltldL'1\. Ih,' NlIlI' lI.ddl"- wlll.lllalllw IIlnlltl'lIn' III Illl' 111111111 Huh' 11'11111.'01111 II IhL' rlltttttllllld...~ III InwL!r thllllllll.' qn""IUIIt1IIIJ~. I Ill' :\1111' Ilnhh'f' Will huhl!'..rt tlH' dlnlltl'lIl'll f'rolllll\l' 111111111 Hnh'lI' IIlII'rl,.1 Thl! NIIIIf 11'III'h/t will OHm tlllJlllllhl' tl.'hlllt III lhll'llldlillllllllit /OlIhltudllllllll tIll' 1I1'1If1'l'illllll"IIIIl!"h','nl IItll' IJl'ITI.' III IIW l' IIlIIIIIIII,~rl'll", nllhll'l'llil llu'III11H 1'I11IIl"! III :-I1'1'lInll -1(1)1 hl'lll". Ihl" tlllllllll'" 1I1II1l1lIII vdlllll' 1111' 1l1'W tllll' nflllll'll'M 10m H"l'lltt'111t1IJU)' Thl' Nnh' Itllldl'" '" III Ihl'lI dl'II'f"llIllIl' 1/11' III'\.\. 1I11lIHIIIIIIIIII)- 1II11111hl)' fHlYIIII'1I1 Ihlll "'Ilultf III' IllJrth'la'lIt II) tt'IHlY Ihl1 IlItUillllllJllIU Iltlll.'llllll hnlHllu' III lllllllll 1111' 1IIIIIIII"IIy dllll' 1111lI~' Ill'\.\. 1'1I11' 11'- 1111"'1"1'1'11 In IHJI'bIHlIIIIIII}' 1'ljljlIIIJnYlnl'lIlb Thl! tL'IH.dl .If Ihl" l'jJkululllIll \\'111 hi' Ihl' 1\1'" 11I1I'1I111l1l11l1~ IlIl/fllhlv 11/1.\'11I1'111 1111 1.111I11 '''I 11111"..,.1 Uu", I 'huIIN'" 'I'hL' rull' "'-IIlII'tI'hl J IHlll'l'qtml'.j III pll~' lthllll 111'\ 1'1- hl'lIltlI.'UItl.t!I/r "I'ltl"IIH'11111l jlll~ I'iIIlU'I' ('hUIlNl'l 111111 II)' flllltll Ihlll1lX tWI) pl.'tl.'I'lIln~I' 11111111" I;! II ': I . lh I' 1Jl'J"l'I'lllll'h' pnllllh lr, II'; II( "It'.-k '!III) '1111' '111.l1 frllfll thll ruIL' tJ( IlIturmft I hUVl1 hl.'lIn i>lIyIlIH, 11':1 1';rr,','llw I1Ull' ur ChUIIH'" TIll-' /II'''' 1'1111' .)111111'1'1',.,( \\IIIIJ"lillll" .'11"111\"11111',1.'/1 ('hllllIH'111l11' 1\\111 1101\ 1111 II"" "'11"11111"1111\ 111'"11111\ 11I1YIl1.1I1. .,,"h 1.11'"lIh iJ.~II1I1II1H '111 Ih. (].., 1I111l1thly 11IIYIIWI11 01111. ufl.r Ih. Ch"I1W. 1 )ul. ul1li1lh. IIl\llJunl "r my 111'll1lhly 11IIYII1.IIII. "H"111 <IIIII1N"oI nr I II"", fll II y' r.l,uloJ Ih. 1''''11, WI Nllllc~ or l'huI1H~' 'I')1l' NolL' Iloldl.'r w11l11lU11 IIr IIt'lIvl'I'lll lilt' II IlntlL'l' Ill' 111l,1.' dWIlUl'1I illlhl' UUl1IUl11 IIf In)' IHllnthly IHl)'Il1tmt bll(o,,, tlw l.'fflfcllvl.' dult.1nf 1111)-' dill 11"1' TIll' lIolln' WIIlIl1l'hltJl' IItf1lfmllUIJI1 rl'llulr...t1 hy Ill"' II} bu Hh'l'll IIIl' 111111 nlllo I,h~ 'hili /Jlld tt.lIt.'pll'lIw 11IIInl)l.t I/r II lll'rt'IJIl whll Will nll~WI!l' un.\' qUl'/jUIIIl Imuy IWVII fL'NnraJIIlH till' 1l'llInl, n, UOlllIOWJo:Il'S IUC,IIT TO PIlEI'A \' I hn\'l! (h... rl~lll tal IIlUIH' pllYIl1L'l1lb l,fIH'IIIl'ljlnl III UIl.\' tllllt! hU(lltl' Ihl')' "n' dul.'- ^ IHlYltIl.'nt I}f 1H"llldpnl'Jt1ly iH knolwl1 II. " "pr.pII:JII1.111 " 11111'11 I 11111\'. " pr"p"YIII.I1I, I 1"1111.111110 Null' 11.,loI.r 111 ul.ll.r thULIum oI"hlN .'1, Inwy lIIul(.! /I filII jJtl'IHlYllll'lIt I)r 11 pll rllll I ptl'IJU~'Il1PIlI .....lthout pUYIIlN' nny IHmnlty. Tilt" Nl)lu lIohJl.'rwill USIJ Illlllr my (Jr~fJflYIJ1l'1111i II) rltdU"l' till' 1I111'IUl1ll)f ptllll.'lplll thlllI Im'L' undl'!" lhlli Noll!,I( IlIlulH' It fJhl'lillll1l'l'IHI.YlIll.'l1l, thurt! will hl! no dl'lu,Yti llll/H' dUI! dUll'/) of IllY mOlllhly IIIIYIIW/Jtli ullll''''~ Illl' NOh' 11111111.'1' lINI'L'tHj ill wrilhlK t" Ihl)lilllll'luYti. My pnrLiullll'lilJUYIIH"I1L will I'l'.lIll.'I' till' lllllllllfll Ilfll1Y 1Il')lllhly IHI'yllh'l1llj Ollly Unlil' 11lL' Onn Chulltlr.> Dull' (01 Il)wl 1111 my purliul Jln!IHI~'II11.t1t J I-)WI'\'I'r, 11I1,\' rl'dUdlllll dIll' LI) lilY IlIltllfll jJtl'Jl"'yl'lll Illny hI.' (jrr~l't hy 1111 il1llJr~til rille jllcr~II'w, II, l.OAN CIIAllliE~1 If u Iuw, wllleh npplll'l' III Ihlb IlJu/J IInd ""llIdl IH'II' 1I111)0/J1UI1I 1111111 dwrMIIIS, Ib flnully Inturprl!llJJ tll) thut thl.' Interest 01' l)t lh.l I' IllUl1l'hnrUl!h l'olll'dl1d '11' 10 Ill! llllll't.'h'd III 1..'.111111'1'111)11 wnh lhllt IlJlllll!)(l.'l'l'd Ihl' lJl!tnliur.>d Iimita, thull: II) uny 8ul'h hllllll:huyt.(l'lihnlllw n'dUl'l'd hy tlit' 111111111111 IH't'I'IiHnry III 'l'tiUl't' Lhli dwrN'f.I tll Ihl' pl!rl11ittt!11 limit: UI1IJ Iii) nn)' ItUl1lti IIlrl'udy CI)IIl'l'IL'd fl'lIm 1111' Wllldll')(l"'I!.'II,j pl'I'mlltl'd Iil11ltri will Ill' rl'f\JllItl'd tn 1lI1.', Thl' Na.>te Hnlder may Cl1lHJBll to I1lllkl' IhllS n/(und by n'duL'IIl~ Ihl' 1)I'II1I'lpnl J IIWl' Illldl'l' thllt Nllll' HI' hy I1IllkltlN' IIllirul'l p".YI1Il'nl h) lUff, r(" rl'funlt rl'ctlJL'lib prln...qllll, llll' "I'ductlnn will Ill' tn!ntl''"' IIn II pnrtlnl pr~pIlYI11l'llt 7, nOlUlllW~;Il'S FAlI.l'IIE '1'0 PAY Mi lIE1jl'IUEII (A) Lutll ChnrMt~ rot, O\'tl.'d'JlI PUYlIll'I11h If till' Nnll' Ifold!'r hilt- 11./t rl!I"'I\'I'd Ihl' '-ulllllJlolJl n!" IIIlY o( I1IY 1ll1H1lhly IIUYIIWl1lb hy 11ll' IInd l)fnft~m l'ull")llnr dnYd nCtI!r till' dnh' Il Ib dUI', I WI11'Jll\' ulllt., l'llUqz"llIllw !\'"tl! lIilldltl, '1'111' lIfJ1IIUIlLof"ll.dlurWI' wjlllw,.L_'!~Jl)ff)lY IlVl'rdUll IHlYllll'lllof l)rll1l."'l1ul nllt! Int"H't'1 J Will flUY tl1lh lUll' dlUr~I' IIIII}' 11111'1' Oil /HI}' IlItl' pnynwnl. m) Iloruult If 1 do IhH PU,\' till.' t'ulllIlIIl)UIlI llf I'lh'l1 f11l/nthly IHJYIJWl1lllll t1I1W, I ""WIJl' 111 Itl'fUIIIt, Ie) N"llc~ ur /)"(uull If r urn in dl'(ulJlt, tl1l' NI/tl- Ilcddl'r mny Iil'llllllll' II wrHLPl1 UOtlL'l1 tl'lhlll( fill! Ihullr I clullllt pity th"IIVl'rdueUmllunl by II c.'lUlu,lulc, lh. Nol., Ilolld.r Il1UY r.'i"Ir'.I1W 10 IlUY Ill1nwdlul.ly Ih. full um'"1111 "fprlnclpul which huo nol b,." paid und ull thl! I ntl!h.tlllhull OWl' nil thnlllll1l1lJl1l. Thill dUll' IllUfillwulll1Utit :llldnYfi IIrlA~r tIll' ,Juw fill which thl.' nntil'l' i. mailed to IlW or I( It hi not Inllile'd, :JtJ dnYb urtl't tilt.' dutl' tln which 111ft dl'hvl'rl!d to IlW (0) Poymunlur NUlo Buldor'o ('uoto ""d EX'IOtlOO' If lhl.' Notl' 1-llIldu hUti H'llulr.' 1llL' lOIIlI)' Imnwdintl!ly In (!lIlIlK d~Kl'nllt'cJ UhllVl', thl' Noll' I-flJldl!r will flU\I.' till' r1.hllo b., Jluid huck for 1111 "/"11. Cu. I. und .'.p.n'.. in "11 r<>rcl nil 11110 No'" 10 Ih. "",.nl 1101 prohiblll'<J by IIJlplicuhl. law, ThuBH I!XIWtlKl'h 1111'11.1111', (tlf 1':tiflt1lllh'. rt'lItuHwhlt' 1Iltnrnl'Yli' fL~K II, U1VINCJ (W NO'l'l('EH UIII... ')lllllcnhl. IIIw r"'I"II.' II ,lIn"r1'I1II1Wlh,"J IIr WIYIIIIlII"lk", nil)' 1I11l1colhIlII1lU,1 h" MiY'1l1o Ill' und" Ihl. 1'1,,1. will bOIlIY," Ity d.h'.I'III~ II or h~' 1I1l11hll~ II hy /lr.1 cln.. 1IIl1lll1,hJrou.,1 ""llOnllho P'IIII.rty Addr... oboY'"r III I dllr,,'"ln,ldr.", I' I ~I". Ih.. 1'1111.. 1f"I,J.r n nllll,'., ,,( lilY dl(r.r.1I1 'llld,o.., AII~ IIIIIIc.lhnllllll.ll", III "'11 10 Ih., 1'111'. lI11h'or ulI".r Ihl' 1'1,11. will h. ~i'.1I h)' IIllllhllW II h~ nral cloullllIlI 10 Ih. 1'1"10 Ifllhl., III Ih., 11.1.1,.,., '111",,1111 HI"'II1111 :I'A' IIhll"'. or III II ,11I'f.r.lIlu,hlr... Ir 11111I NIYollallollc. Qrlhlll .!lrr""IlIl,I,lr... II, OIlI.lllA'I'IONH OF I'EIlIlll)NH I.INlllm 'l'lIIH NOTE If 11I11,. Ihllll "11. 1"".1111 .IIlII' 1111' Nil"', .II..1t 1'.'.11111' rully nll,J II.r.ullnlly IIhhllolo,j "I k"'lllll IIflh. prlll11l... 1111.,1.111 Ihl. 1'1"'., III<IIIdllll/ 111l' 1""11I1..' III /IIIY lit., rllll II III 'lUll I IIWO" AllY Ill'ra'l/l whul. 0 IlUnrllnlor, Iur.ly, IIr '1l,I'''..r IIflhi. NUL. I. III", ',hltwIII.d III IJ"IIt... Ihllll/" AllY Il.r'"1l whll IlIk.. OY."h. II It II 1111 111111. Ulld., Ihl. 1'101. IIr 1111)' )lor'"11 whll l'lk.. IIv.r Ih,' IIhhWIIlIIIII "' nllllll"lIll11r, .urol)','" .Ild"r..r ',flhl. 1'1"1.1. 111.0 ohllMIII.d 10 k"',lall Qr Ih. 1''''1111,". 111 Illl " 111 Ihl. 1'1'"11 'I'h. NIII. 1I11I,I.r III11Y .nf"r... il. rlllhll III1,J.r Ihl. 1'1111. IIllllltlll oath Il.n'l/l lt1lIlYldulllly "' nl/llill.1 1111 "(II.I"Il.II",r 'I'hl.II1l'III1.,hllIIlIlY IIIWllfll'IIlIlY ho "'llIir..llo I'"Y 1111 ""h, aI1101l1l1.llw.d 1111.1" Ihi. 1'1111., Ill, WAIVEIlS , nlld III1Y ,"hur 1'"'0"" who hll. IIhlllllllillll. IIl1d.r Ihl' 1'1,,10 wnlv. Ih. "Whl. of 1"..onll11,"1 olld 1I11l1co Qr ,11.h'>l1I", "l'roo.l1ll11.III" 11I"11111 Ih. rlwhllll r.'l ulr. Ih. 1'1111. If'lld.r III d.mnnd pnYIlWIlI or nl110UIIII 01110, "Nulko IIr dl,hollor" 11I.111'. Ihll r1whl '" '.'IUII. Ih. 1'1111. ifill"., III NIY. 111I1Ic. Ihlll all1'JUIlI. dll. hoyo 11111 h.on pold, II. 'I'I//S NOTE tll~CLJfUm IIY A MOltTGAlIE Illlld"illlln III Ih./""I":lI'l/lf WIV.1l h,lh. 1'1111. I/"Id.r u/II'.r Ihi. NUl., 0 MOrllllll/., dnlld Iholllrn. IlIlhl. 1'11110, I'rol.c11 11",1'1'11. 1f,,1. .r rrllm 1",..lhl. III.... whkh IIllllhl '..lIlllr I dQ 11"1 k..Plho pr"IIlI.., whlrh I rnok.ln lhl. 1'1'11., TIM I Mortl/lIllo d..erl',". hllw II lid ullllor whlll clllldlllol1.11l10y b. rll<llIir.d IQ I11l1kolml11edldtol'a~m'"lln Nil '" nil III1111UIlI. I IIW. IIlld.r Ihlo 1'1"1., HIII11. IIr Ihll.o CQlldillllll. "'. d,"crlb.d III Uni(Qml CllvonDnl 1701 thlll Mllrlll"lll, which pr'lvld." II. fllllow", "r,.n.'" 1)( Ih, Prllll.ta)'1 A'i~If1'HI,,". It ,.11111 1111\ IJlm III' Ih, I"lllml)' ur Ollll\lan.a 11""'111. tlllllllt lurul."",l II) tlutrllllo'rt "lIh'Iut 1..'"t',....lltlln IIollllrn 0111""1, ,ad"lhlltlllll 'h, qUlloJn 11(. h,"I1, ""l'l,Il1lh,.nu .1,11)1,,4111.'" 10 Ihl. Mun......, Illlth, fhlllllltl"(ftl)U,ch...mllll.)' ....un.)' Inl4!1",.l (l,lr hlll,lutlllld ""1,111110'. leI ,. Inll.(., b~ lint...., oJnunll" II) Ill'rrUIllln 1I(lu' l,lllllll .t", d"lh Ilf.. I'lInl I,nlllllllt Id' II" ",IIf11 Ilf 1111)' I....'hllld 1111.'.... fit Ih,.... )".,. IJ' I.... I1tJl conl.lnlnll all IJpllon t&l l)urdIU" I...'lil., ma)', I. l..llll,f.. "1I1Ion, ,Iuh." .11 Ih.. 'Uln. Ilfnu,d b) Ihl. MUM,.., In bt ,,,,",.h.I.I)' 111,1, .nd ".),.bl. 1..I"d'r Ih.1I h.~, "'III\o'I'Il,ul'h 1IIJIIIlII IIJ 'l'nIH.I,I(, Imur Illlh, ..I, or Irlluf". I..nll,r .nd Iht ,..rlllnln whllltllh. Jlrl/II'm II Ial b. .ulil IJt .rpm(,"'11 n,nh .t1'r"m'nlln wt1un" Ih.llh.. c,l'1tllllf .lJch 1,.tlllll I. 1.11'(,l'IIl,)' II) lA'n,I,rnlllllh.I Ih'llll""llla),.hl'lllllh,.um. ttcut'" b)' IluI MIHIII.....h.1 bt Dlluch ,"I. p.,....I1II..,.111111 'Ptll,l,.. ,( ."nd"hu "'I\o'N Ih.lJpUlln IAl "cUI'tlll' Iltll\olll... 1I1Ihll')"'''.'''llh IT, .nd If LhlnlJllo,'" UJt'Uullr In Inl.,..1 h... 'U('UIW'lJ. wnH..n "'UlnplllJn ...n.m'l1ll1nlfllll'tt Itl W""n.. II) lAnd,r, I.."tll'rlhllll ,,1...... nllttllllo., ('II1n aU IIbh,.lIon. und., '1m Mlmt/..... 11114 Ih.. Null' If 1....l1d.' 'It"rll" ~uch IllJllun tl) .nrlltlllr, l..l1dft Ih.1I Inl)l Unnl)l..., ""Un l.If IIH,I'uUllf' In IIL....u'd.nu "'lIh l'II'IIIfJ.llh I~ h""'I)I ';u(h Mllet Ihall p'u~ld,. p.rllJtJ ul filii I,.. Ihll1 :}l.) dd)'1 fru," Ih..,III. Ill.. nolln II mllll..d Witt"" ..hlrh IIllnll"'" mil)' p,)' l~, IlJfnl dlrClnr.d 1'1,1' ""lJtT1,,,,-'r '.111'11 JIll) luch luml P'IIl, L<llh.. .ltpl'lIlIlm Ilhuch Iltnud.IAlld" mil)', Wllhlll" (utlh" Ill,"nll' d..nll,nd un 1!1lrrullo,t, 111\o'IIk, "'n' "m,tJl"ll)ftmlll.,1 h)' "I'd.'''ph III htt~(." WI In...: ~:..J G ~~________ _ ~~ C?6'~ --.--. ----.-----.-..._.._-_.--~---~ . ..--...~-----._,---...- J.h, ~ ---...., ~~~~~ Evang ne eyenos (Stall -PUnuw" (Stoll -Bur,ow" (Stall -Porrow" ---.-....------. lSt,ull -lllInll~I't (Sllln O"lllnol Only) (Juunalll)' UIlII SUrlll)'Nhlll Alll'l!l!lIIl1lll f'llr VululI 1(1I1!1I1\'1I1I IIlld Illl''Ildlll~ hI hll h'~IIII~' hllll II <I , Ilw UI1<l01'~1~IW<l dll~~ h~I,,'h~' UllcUlldlllullUlly rUllrlllll". 1111<1 1"''''1II1l' HUI'~I~ fill' IIIl' <lu" 111111 pUllclulI1 PIIYllllllllllf ~lIdllll~IlII1IlWlllllr l)rllldplIl ur UIl' Illlol'~~1. Illl 111<' Wllhltl MIlI'l~II~~ NollI "H 1111<1 wlwll oll~h H,llll IIlNlUlIllWll1 Hhllll rlNIWcllvllly ho,'ullw du~ 1111<1 11II~'III>I,' III 1I~"'II'<lUIlI!II will> 11ll' 1~I'I1\H IIll'rllllf. whllllwr III 11111 IU 1'11,1' '"' I>~' dodUI'IIIIIlIl, 1I~,'011l1'1I111l1l1l1' '111ll'I'WIHI', II. wlIlI,IH 1111 IIlldlllollllllllllllH 'II' lid 1'1I1ll'1I' 1111<1 ulIllIlll'r HUI1\. pllld by 1111)' hold~r of Hlli<l N,",' 10 "I' 1111 III.hllll 'Ifllw 1I11lk~1' 111l'1'~of pUr~1I111l1 hlllw 11I1'11\~ 'If HlIl,j NOIIlOI' Ihll Ml)rlllllllO ~lIcurlllU Ihll '"11\11, Tho UIl<lerHIUIl,'d 1>111"1'1>.1 11'1111"'. IIIlY PI'I'HIIIIlI1\III11 for pllYI1\"lll. Illlll"~ of 1l11llpll~'Ill"lll. dlllllulld Ilr P,UIOHI, <locllll'lI' Ihlllllll. Ill> I 1111l 111111 I. "I>ollllllll IIlld uncnlldlllolllll. 11IId "UI'OIl. 11111111 .hllll nlll hll 1'~llIlIhl'<I b)' 1111)' IIxlullHlim of 1I1lH' 1'111' 1";1'11\"111 Ill' I>~' IIIlY IIllwl' 11\1I11~1' Ill' IhillU Ilh."....',,"1' II'lwrlll>y Ilw Un.!III'HIUIll'd IIH 111>.111111" ~III1I'IIIIl<", 1I1l.! Hllrllly 1IIIwI'II'IHII Wllllld Ill' 1l1luhl Ill' 1'I,I"II.lId, III CII'" dllfllllll 1>11 11111<\" 1'0.11' 11ll' HPll,'I' Ill' lhll'I~' ,;\111 <1'1.1". Illllw PIIY'IlWlll "1'1111.1' tWill. <11111 ulldlll' .lIld MIII'IUIIUII Nolll, Ihll 1'lld"l"IlllllWd IWI'~I>~' 1II11I)1IWIII'.'''l.1' IIllllrllllY Ilfllll~' CIlUI'llIfl'lI"llr<l wllhln lho Ulllllld HIlIloH Ill' Allllll'lt'lIllr IIIH,'wllL'1'1I111 "PP"1lI' fill' Ilw U 1l<l1l1'.1~11lI<I II ilL! , 1I'Ilh 'lr wllhllUI "Illllpllli 1l111Il1<1, CIIIl I'll.. jlldUOllll!tll, .lr II HIII'IIIH Ill' )IIlIU"IllIlIlIH, IIUIIIIl.lllw UII<lur~I~lw<l III ful'ol' Ill' 1111.1" hlll<llll' Ihllrll"r. II. 01'1111.1' WI'I1\, ro,'lhll IIlllJllld hlllllll\'lIof Ih,' pl'l Ilcl pili dllhl., uddlll.lIlt1ll'HlIl",,"dYllnCIIHlIl1d IlllllllwrbUllllj plllL! by UIlY hold III' Ihllrllor '" ,,, .111 hllhlllf 'If ,hllllltllllll' IIf ,uld ~lllnuuuo Slltll plll"UIIIlI hJ Ihllllll'IllH Ilwl'lIl1f or III' Iho i\1I1I'IUUUO 'OCIII'11l11 Ihll ,W IlW , IIlUllllwI' wllh Illluru"t lhlll'lIl1l1, "'IHIH III' Hull 1I1lL! 1111 UIlIII'IWY'. C'llllllliHHloll fOl' colll'l'llol1 '11' ny" ",' I plll'CIIIlIof Ilw 1111111 ill<lllhlll<lIlIlH. Illl wl1lc11 JUd~llllll11or jud~I1\III11' 01111 "I' 11\0rllllXII,'Uliol1b mllY i".u,' fOl'lhwilh, Thll Ul1dlll'bl~IWd h","hy' forllvllr W'll\'llb IInd rllllluHII. ulI orrorb ill Hllid PI'OC",'dllljl, 11'.11\"" billY "I' IIxII,'ulion, Ihll rluhl of II1'lulblllol1 ullL! IIXllll1blon or limll of pllym~lll, IIurllllb 10 C0l1dllll1l1ll1l01l of IIn.\' pt'Opllrt~' IlIvl.d UpOIl hY' YirIUllllful1~' .UdlI1SIICUlioll, II lid WUII'I'. 1111 oxompllOIl" fl'omlllY)o' ulld .ulll of Ull)' III'0plll'ly' Ihull10W iH 01' 11lIrllurllll' nlllY' hll OXlllllpllld hy lull', ThoHII prIlHIIIlI. HIHlII hll1d Ihll l'lldlll'Hlullud ull<l 1111I L'lldlll'HI~lllId'b IWlrb, IIXlIeUlorb, udl1l1nibll'Ulurb IIlld UHbll!llb, IIlld Ihll hllnllfllb ho,"of .hulllnurll 10 Ihll PUY"" of .lIld :'Ilol'tl!u~O 1\'010, lIb buceOHborb und IlBslgnb, If eXQcutlld by mot'1I Ihull OliO pOl'blll1, Ihi. ohli~Ulioll ulld tho Undllrlllkinllb heroundor bhulI bll joint IInd Hovllra!. Wltnl!Hb Ihll duo oXlIcullon hot'lIof lhlt! dllyof , llJ Wilne"bod by: {Sonll ISon11 -----.------- - ISoull ~ ISou11 MOn1'GAGJ~ '1I11~ MIIIl'llI^'"i " 1111,,1. 'hi' ~ln~ ,IIItul '''H''Nij~''"i, .., III~^, 1..,..." II.. M""~II~"', ,hlllll~, \'MNjV~ 'II~ IIVNMtl,lIln V^YNlU~, hi" ~II, , . , . " 1111'11'111 "!II'"I1'lH,"I! 1111I1 tI", ~hllltlll.,rllf \'1I111!~ Hllnk 11I1I1"',lJd I "IIIIJIIIII)" II 1'&lllIul)'l\ tWill IlItl~lllll" IlllltllllllU,,11I1I11 ..~11I1I111f !Jllillll IIIIt '."'II( 11"III1,)'I~III1IPI "'11..11 IIlhh,....III'hllllll...,.hij'U, hdllklllll'IIIH1h.II"IIIII.)hIlUlil l'/:blllltnUlh...n'llI "'Mlllh,,"1 WIII\llIi^~lll""',." """MII.'.I 1011''II,h', ",'111'111"" 'I"" """ ,,' '11/IIHrr-YJ Vii '11IflVPfoll/l . l.~,~ ,UHQ )')\1), ,. . , lllllln,., "hll 1'111111-111,..1111'" I, ",,"1'1111,,1 It)' Ilul1l1V..'t'1I fllll. '1111....1 IIII.t.'111 "NIIII"'IIIIIII~IIII'I" IUlllllllllhl~ 11111111111111'1111'" II'IIIL"IIIIIIIIIIIIIIII"".I', "'lIh thll hllhll)l" "' 'hIlIlIIM'h'IIIIl"II. II tllIl "1"1111" 1111111, It"" 1111111111)1111111 "" '1". HI~I'I'II"; h, 11IHII", 1111111... 'I'I"I)'UWIIIIII 1111' 111,11'I111'1111I'.' I'~hh'III,',1 II)' Ilu' Nllh', Vollh IIlh"I'.llh"Il'tIl" Ih. 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III ftlJI h '1,111 nil 1~'lIlh', "111I1111"1111,,,1 111_.".11" h.III ~UI\Id IIII' "plll'" 10, .11,.11-/,111'1'1"11111',111111..,, 1'111 ''''Ill'h 'j '"hllt Itllllll"I'I'" tIlltll'"""t 11111I11'11'..1 hllll I.~."tl....11I "nll"ll "~"III11IHIII" .11111"'1111111 ,,,.q.I,.lltl "'lllllll h~ 1.'III'I',"IA'lllll'I "h.IUI.,II'II"I' HIIH'III1tI'1 '''UIIIIU "hlitl;1111I1I1t uH.h'l Ihl" M"lIl1ollll' .11I,11111' NIII.' 1I1,1'/IIh" 1'.1,,1.1'" "''' h "11110111 101 ,11,.10 l,.h', ''''II,kl .hllll m0111 11", t,'\\I' 11,,111 I' ,,' 11I,1'1"1,1111111 III ,II' "1,1,"11 I' "11h 111I'11t/'''I'h It 111'11'''1 :-iUI h lI"tlll' 1I111l1l1"'I\I.h- 011"'1.,,,1 "I ".,1 h'~"lhllll III.I.I~" 1'''11I1111' '/111.' 1111'1"011"'1" 1Ih1111'11 "11hlll \l.hll h 1I1lI,'ml.t 11I11)' plt)' IIii' ""'1111 ''''1 Inti"! .111,' 1111'j'III\\I'1 /,111" IlIllU\' "", h ,,1111I. pi I'" 1111111' 1')1111,,11"" "I ""I 11111"11101. !.l1ll1h" 1II1l)', ~llh,,1j1 hulhll' IlIIII'I' Ilt .1"1111111,1 "1I11'"'U"IT, 11I\lJk"1II1)' ,.1111'.111'" 1",'''"111',1 hy 1l<1I'ltl'IlJ,h '" /11"1'''' NIIN tlt\II" 111M I 'II\I","'^'" r~ IIIIlt"....,1 .111,1 1.'11,1." l.tllllI t. "\'11,1111,111,1 "IIII" 11ft /,,,11,,",, '". ^1'I"''''I"IIIIIIIl~ Ih'III".III'II, l 1111111 1111111I11""11 111't'lIdlll" 1111)' "11\1'1111111 lit lI1/n'I'lIl1'lIll1r """10" I't Inlhl. MUtINIIN", 1111'111I11111<< IIII' 1'11"'1'111111111 I'IIHI~. ,,111'11 .hll' 1111.\ "1111111 "1'.1111'11 II)" Ihl" MlIl'Illltl/l', 'I'II.h'l" 1,,"1111' III 1II'I'I'h'rlllh", IIhull ",ull tllIlIl'l' III IIl1ltll\-l I'j "" Ilpl\ ""'11 In 111111111 IIlill' III" IIII1'I'H)-IIII(: II I Ihl' "1'1,.11'11; l;lllhl' 1Il'llulI tl'IIUltl'Illlllttl" IIudlllr&'II,'hi LI/,. ,1,111', "III 1"11" IhulI :111 IIII~II r""11 Ihl' 1'111,' Ihl' 1111111'1' I" IIIl1lh'IIII' lI"fr"~.'r, h) "hkh "udl hn'llI'lI 11I11"1 hi' j-un'd; 111111 1111h,,1 r..l/utl' 1011'1111' "llI"h IIn'Ul'h 1111 'It' 111'111'"1' I Ill' Iltlh' "111'1'10.,.111111", IIIIlIn' 11I11) n'.lIllltlllll'l.j.'tlIIlIlIIUrllll,I>t""11 ,,1'1'111'1'1111\ Ihlll M"I"IIIIII/I'. "11".111"11"" II.... Illllldlll IlfIN.I'l/llIuN 1111I1 IIl1ll'lIllhl' "tlllll"t)'. 1111' 1111111'1' ..11ll11 Itnthl'llllllll"tlIlIllltll\\I'1"1I1 Ihl' t1l/hl II. tl'tlllllllll' ,,'II'r IWI'I.h'fUlhlllllll,'111I' l'il/hllll /11111"1"1 IlIlhl' 11I1"I'III.ftttll' Ilt'"I'I'IIIIIII Ihl' 111111"'" 1..11'1\1., IIf Jt .1..r.1I111 III' 1111' 1tl'II't Ih'fl'II"l'iI' 11111111\\ I't IIIIII'I'I'II'rnllllllllll,lllIl"I'd'I"ut'I" III hi' hj'l'lll" 111,,"1 I'uP'11 '1" '11"111'1'."., IIII,.IIIII'"I"'l'Inl'llln 111111111111'1', 1.1'llIh', lit 1.1'Il.h,t'II "11111111 Hilt) .1&'1'1"1" 1111 "r Ih.' "UIII'" ~""lln',1 h) I hi" M... I """1'1,.111' hlllll,"UIHI'I)' Ill'" 111I11111I)lIhl,' \\ Ilhlllll fUll hj.t .1"11111111\ IIlht 1lIt1~ r'"-"I.IIIII,'lhlll MIII'II/III(I' h.\- jllllll'llIl 111"11"1'1'1111111' '"1'/11"'1' ..htlll IU' 1'lIll1h'.IIII I'Illh'd III ..udllln"'I'I,.lltll( 1111""1"'11"1'11 IIr "11"1'1'111"1111', 1111'111111111(, hili 11111 1111I11"11111, j'I'''"'''lIIl1h' tllh,nW)'" rl'IJ", "'111"1111111 Ilr .1111'1.11111'111111 \ "~ 1.11""'1'_ It I 11.1 , 1111" 1111111111.. n'llIlrlII, III, 1I1Ittil"I'r'" !lINhll1l U,'IIIIIIIIIt'. f','"I\\llh"loItl.llIll{ I "lid",'" ,I" ..t"l"II"" "Ill", rH11I1" "," ,"...11,\ It.." M"'I""",,, IIlIn""I'1 "hull 11,.\ I'll... nllhl 1>1 h.. \ I' .111\' Ill", I" .tlllll/l 1"'IIllIt 11\ I ~ II'!'" 101 "Ill"., 1"1 hl~ M"llflollll' ,I,~, ,,"1111"1 ,I "I .11I\ IlIllI' \1"'" I.. 11111,,,"1 ""I'Ii""1 plllll 11111..., 'IIIIIIH III '111'111,,'111,1,111111 .1111 "Ill lll"" "'111'11' ,,1111" "",," 1'111"".1111 I" II'I~ M'Ollllil+l"11 1,.1 1o)j,,,"1't /1,1)" I ~'n,h'l .111 "1111I" 11th.. II \Io1l"I,l 111'1111'11 ,111l'11I1,II'III'lt M'"IIlOltl".llll'N,.lo'Il11,III"I.'" 01-' "'11\11 hll'"I' ^'!IIIIIII 1''', 111111"", hllll II" ''''1.11'1..111111 ,,,.ut'I',I, ti,l 11""""1'1 '"11'" 1111 1111'1..111'/1 ""III~ ,olh."t "I~I"tlIII,lll "11111"'1111'111.. III """'I'\oI,t I IInlull\I',lllIlhlft M"IIj(UIII'. II ) 1I111'''",'r 1101.'" lilt 'I'II"'ltlllhl.' ""p"Il~'". 1I11l1l11,1,,~ 1_.",11" 11I1'111"'1 1"!>IlllI" "\'"lIllnllt un,1 1','1" ", ':1 1/,11 r ',I .j.." ~ '11 'I) .ljll" ....",- 11111.., ,,,",' I ,,111.11111.1111111111 M"lltf.jtfl' ,11I"1111 U/ill.III)lII'lhh ,-.,. HII,hl...1t plu~ I,ll" 111111" ,I'" "1,11 ,,.11111 "t. 111I1'1,111''', 11Il11II,I 1111111..'111, fI,'I"/I.,I.II, 'III"'III~ ~ 1111. JllIIll,lt 1I1111'1~III,j~I' 11",11 i1olholl 'I.I'/I,hlllhl~ 'IUIIIlIlIl,') "'1"1'1' 10, ,'IoU"., Ihulll.., 11I'lIul Ih'lI 1'111111",1.", "lfllll /11111""1111111""""1""1) 11II1111""Ij~"" 11111111.,11111111"11,,) Ihl/ 111111111 ..., ,"".111) Ih'. hili/It/II.", .I'ull, 'lIIll'IUI' Illllllllhllll.j 11""11 11111 II ",I)lIlllIlll/lIllllll- II) IIUII"~II, Ihlll MIlI'IiUM/' 1111"1111' ,,1,11"'111111I" ,,'11111,11""1.11. .11.1111111111111 'I"IIIIIHIII 111111./1...11111 I' n" 11111'1"1111111I 111111 IIIIU""I 'JII, AIl.I~lImll"" "' 'hlll'''1 ^"llIIhlllll~'''III' 1IL'I'vh ~'I'II.L'lIIh"'IIII'lI..~,..llIlI, 'U ..,11I111111I"111" ijlll~ hH~'Ii"II~" HIl"'IIH'IIII'llh~ IIIIIIIIWII hi 1.'lllh'l I 1II11'ullllll Ihl' 1'1111"'11), Ijl"~h"',lllIilllllllllj~lI ..lIull, 1111UI11I1IIHh'II'lhll' "lIlh'l 1""lItI'lll,h lit IIIII~II II' IllwlHllIIlllII'lll ,,' Ih~ I""I'III~, 1II'~" IIII' IltllllllI ,.,lInl 1111I1 111"111 ..", II I~'llla 1t..1I",.III'I'II11Wlllil'lIu4 Ih'.lllll~' "111I11 Ilildl'llllhllllilUll'l \"1'11""/1111 111111'11'" III Uhlllllllllllll"lIll1t IIII' 1'111111'11)', I"',"h'" 11111011111I. Ii.. 1I11~11t "' It) 'lhllil..ll. "'111111111111'.,1'1\.". a lull I", "111111,11" 1 1III"lll"JU, hl~l' 1I"".,.allllllll 1I111111111H1IIU' 11l~ 1'1"11111. 11I1I111I'~JII~'1t Ill" '1"I11a "IIIII' 1111111"1) Illllllfhlltl Ih,"11' 1"1111 ,1111' ^H I' 1111 Illlh, 111111) I ~ IlIh, it'llII' 1.,< "l\11 ..h,,1I Ii., "111,11111 11111111111/1.111.'11111' 1111'111."11' IIHlIlUtll'IIWIIIIIIIII~ I'IHI"'II) 1111,1 I 1I!t11 11U11 II' 'l'IlI., 1IIIIlilll"t1, 1IIIIIllllllllltlr,' h', U,.HH'" ".....I"..IIII.,lIIr "II Illjl!l~"""tllIl,I'II'hl"-ll"IIUIIIII""IIIIIIII'. '. Il'I'll '11111 Illl'u Illllu'.UlU' ....11111"11/11111. Mllllllltll~ 1"'11111'1 IIII,llIwh"liH".. hi ,..lh,lIh, 11I1II11I1i1l1 ""I) r", 1111I111' ,,'ulll 11'111'11. "'<11\.'" ~ I, ~'uIlH" ^11'lo""~'I1'. 1'111I11 'l'IIIl...',,1 11""uWol', I ;"11I1"1 III I ~II,h', '.. "11111111 '1'1'" hll,'I~i1~" II' Ihl. MIlIIWNW', 'I'" 1Il11~" I'UIUI" ^lhllllll'.IIlI"IIIIf~I" MUI II 1'11""11 '\,Inllll", ~lIh 11111 11,.1111"11'1111, _tlllll II, _"'1UI,',1 II.' 111111 MIIIIIIIIIIW" 11111 1I~111"'II.'11 '.. I"'ml'.all'" ,",11, .'ulllllI 111I1I "111111,,11" IIll al'< '"hlll'I, I,. Al 1111 IllIlL' _11~lllhllll'lIllllll1l UIII~IUl' ", Ih. "1111'lIllllm'_a II" IHI~1 h~' Itll' MIIIINIINI" 11111 III I \llIlIulI"lllla 1111\ 11111 ,.11II1II11l"JiIIU"~ h"/I'~III1IIlI"'Jll'lllhw ..nun...", IhI. t. "'I~ll~~', 1'lIll'1"'llllllllltlllllll IIIU"IIIII I" IIH' Nu'" \I~. Ih,IIIIUIII. l'lhm IIIHllll'lIl ul 1111 IIUIlI.. II' "1.,1 h. Ihl.. MII'IIlIIII'" 1....11,1.., "tmlllh..hll'"w 1111_ MUIIIIIIII', ~1I))U'" Ihlll~..IIlII'I""~'" I.""""'" .III1I1IIU)' ,,11111.1.111 1I'1I111llll1ulI,1I 11111 \III, l'.,t..'h"IlIl""nL'~ Mllt'I.,.......I' "III,' jlllI I III IlwaIUlltl..'1'U'" Ii) Ihl.. MlIl'III1I1'IIIIJI..1I1 h,lIu"uIHtluNI'IIWIH'IIII, 11'111111'111""11..,111111 MIIIIIIIlII~ III hrh'h. IIi'1 1.111,,1111 hlllllllill h....... t11I1II1'.' 1IU111111111" III WI'l't'l~:KK WII~:I'I':I'F, 1""'1''''''' 1111. 1I1I1'nll"I! Ihl. MlltINIII''' WIIII"""I. .;}..~, (]I, 6Z..,$q d~...~e (f>.w..~ -~. ) , 'I --, . . ~._- ..........~. -Jiil~ liii.--~-.--"'1:it.;j;;.;; [rV-,~IN/.JMR.JIM'W~____. KYoIIIM"I r.;;.Y~y-;;;,,,. - O. ... -I""'" .....-.--~.....-...- -1""'Il_H -Iklfh'll" l'IlMMIlNln:^,TlIlW I'~:NN~YI.Y^NI^, fIlMII~II!,NII) ..,..,.,.1:"""1, '" Illllhl., Ih, .~:-Ill,_ ~'" ",. . ,'~I"I ~ 1\11-'>' . , 1.ludl,-,I..r"" "", ..aUuLAry." J.WI~t:_,_. . . . IIht ulIll~t.IIIIII..1 ullh'",-, 1I"'''1I1I1I1I", uIII,t/IIII,1 Jvhn ..11 ,. Y"')'GnU.lf..Uhl.~V"jJIIJIUUII,_, YIIYUII'lu.hh ~J fv . ., k"".." ~I ".. ,,,' ..Il.r,"I"rlly \,rIlWII' h, hit Ilw III... Ill.'rllllll . ",hlll..'II11I1.'" ...,.,."1,,,'1111"'11111 Ihlt "1111'" 1111111'''11I."1 M111111,'knuwl...J,,1fJI at.... l 11l'/... ,_ __. _I. . _ . .IIItI-'''Il'lllh... .1I1111t (II' Ih.. IIUtl"'."1 1I...'ltln L'lIllhlllHtll \,'.1, h 14 , " III Wlt'fn;KK WIII':II~:IW.1 hl.""UlIhl nllllY h'lllll Illulll'''I'lpl''l.'lll. '" My t~IItIUIIIIIIII"'IIt~I'lt....: Q"-'l'tJJL"",\"'" S)~ (3. ('''.J...~ ", o;'i~ r: jI,:;j,'~.,;-liili^liV piiii[j~ .-..-- ; , 'A, 1~......I",)oII'I;~ll .....PI" U, 1"'_" ,. . ---\t....I..;~.tlM--~......~_.-i.:.......:.~~~. ' 'l\lJrll'III'u" ' l~.,tUn~'I"1I u' Itetlhhlll'-'- ", Mutl".."." V.lllt~ n.nk 111111'''''.1' I.:mllpllI)', Mlltl.,IIM" ~1"1I" fUlm"', hll,..II.. I..,un... Ihlll II_ ,1t'ln'"'I,"1 J,llIl" Il( hUlh""'1 II "II'IIIIIII"lIhl"'"1'1'111...1\1111111 t'umnwnw.,ltll" ." P.,mll~lunh. A 1~"UII,~"r {".' f'" b ,~,/; 1'( f \',\l,1 , , / V..Ilt1~ n,."k "~I.llrp~""p.n~ II,' {117,(.,lt<',&-C.uJ:rJ ." " " , ",t. 1IU1."lt,l..d III Ih" urnl" III IIJLt 11"1'11"'''' III OUIII 1IIIIIjlI (U, 11I1I1l'lllllll)' "" III.. /....'1111)1 ll,./I; ,'1 , IU., 'I. III MII,INIIN' UIHlk V.,IIIIII' ~'/'1 .1/1111" .~-::' l) Wlln... 1II"'UHhllllllllh. ....1I111( Illhl I,mi'll Ih.. 1111)1 IItlll ....Ut "!II,...lthl '\" ., \\ \\, I "~",."..J \\ .\Jo~ . ,", , , '.....1 t,' '. (,'1 .. , , It... ""hr " " t:~ I ,I,ll ~J'd ADJUSTABLE RA1'E RIDER ,'.IMIT IIN II'fI'l';UE/i'1' IIATE "II,IN'II';SI '1'111:; AIJ.llJIlTAlIl.J'; 1lt\'I'E UI/)EU,. 1111"1,, 1111. (,'11~,JIlY '" ,'iIf'IN LII).'->'L-.. ._____ 1~.B2:i 01111 I. illl""p"rot.d illl" ,,",j .111111 I,. ,'o.lII.d 1'1 II """ ,J IIII,J lI..ppll/"""llh. MlIrlK"Il., 1I.."'lf'/'r"lt. 'It n..d lllll,c"r. O.hlllho "1l.Curily III.t"''''.III'') "f III. .""'- ,J..I.IlIY.II hy Ih. '"I,lurolw".,J Ilh. ''I!.I,mw.r''llu ""curaUlIrmwor', A,I)""IIIII. 11111. N,,'ot'l V..II.y Il,,"k "'1,1 Tr".II"'IIIP"Uy uhl/ "1"",,.,"1 "/'h" '''III. ,flll.,th. "N"t.") 1II1"l"v""11l Ih. llmporty d.",'rilll/lllll 1/1. S.I'Unty 11111"'"11.111 111111 1,,....I.,f III --------h-__.__________4__. __ 36 South . que~n. SYe.et! Sh f PJlen5.~!Jr9}_~.~.J.7.?.llL___ 11'11"1..".,\.'111,.... TI1, Nol, oon'lln. Provl.Jon. Allowing 'or Chlnll" In 'h. 'n'.,.., Rill, Inor..... In 'h. 'n'''I'' Rill will Rllullln HIgh" Plymln'l, O.or..... In Ih, Inl.,.., Rill will R..uII In Low.r Plymlnl., AlllllTlON,\l.l'IJV~;N,IN'/'Il, 1III',I,hlllllll'llh. C'IWII"I1I. 111111 ,'.r""IIII/IIl. 11I..,1. III Ih. ::llOCllril~ 1lIllrumollt. Il'Jrr'lw.r II/IIJ L.IIII.r fl"'".r l'''VWlIlIllllll,J "Kr.. II. IOlll"w", A, IN'I'J.;ftEST HATE ANI> MONTHLY P,\YMJ';NT CIIM\'(J/o:H 'l'ho N'llo pr'IVI,l.~ r"r 1111 111111.., H..I. 'lr III1.r.'1 'If 12~_ ," SIIClIlIII 1 '" III" N"I. p",vlol.. rur cll.. II 110. 1/1 lh. "n.ro.1 rOI. "/I,J Ih. m"/llhly '1IlY"'olll., II. f'lll"w.: (i\) ChO/lll1l l)oto~ L"-' U.1l/1111I11K III II) K~.., lh. mI. "I 11I1I'r.", I 11111 "llY "'''Y dl""", 'III Ihl/ .~._ ,J..~ "f lh. IIIUlllh 'lr " ..lid 'Jt1 Ih,1l 0/ ," 1'\.." XX 1 ~Ih i! :lllth ,('"". 'JIll, ,"'" I,,,,, 1II'"llh Ih.r...f1.r ":..ch "'ll.'m which theral. l"JulO/ dlllll,. ,. ',.1111.,/ II "<.'111111,1/ 11..11/ " fill Tho Inflllx AllY ch..l1w.. 1111/11' rill. 'Jf '"I.r..1 Will hll h....,' ,'.. dlllllll.. III th.llloI,x, Th." III,I.x" I. Mho "Cll/llroctlnllro.t H..l., P'Jrchll.. 'If l'r.vj"u.ly l)ccupl.d """11", NIIII"",,, A".r"ll. f,,, 1111 Mill'" Typ.. "f '''lldor.'' II. "'II,J. uVllllabl. hy III. f-'.d.r..lll'"11l11'"ln U..llk U"..rd,." CJ Ih. 1lI'"llhly ""."'Il. y/.loJ '"1LJI1I1.,J SI"I". 'l'r.lI.ury "curillo'"djU'lud Ill" C'Jt1.IUIlIIl1..lurily 'If;1 y"..r.... 1I111d. IIvlliI..hl. hy tho f-'.d.rIlIU".m'. 1l''''r.1. 1f.'//I'fk 'III I)' 'lfll' h'/.a/ If Ih. lnd.x III 11'1 I<Jf1Il"r IIVllllllh,", Ih. N'll. 1f"ld.r wlllch')ol.' " ,,"W 111".' WllI<I1 I. hll..d "1~111 "'ltllllllrllb/o infLJrmutiLJI1, Thl! N1ltlllfl)hJl,Ir will KIVI! rn~ 1111tlt'l,I 1Jt' lhlti d)tlll'I', Th" Ilr.1 hlll.x I1llur. f"r Ihi. N'll.'. J.2-,-.H III. l'IlIl.,J Ih. "O"""""II".x" Th. 111".1 r.c'lllly IIvllllllhl. 11I".x l1u"'" i'. "r,h. dill. --.1.i.'/IIY. ".f"r. .IIch ChIlIlU. nlll. I. ""I1.d Ih. "CurTlnl Indl!x," 1C) Colcullllllllll)( Chllnllc. u.r"rI/ lI11ch Chllllll" nil I., Ih. NOlI.HOlI"or will d.l.rllllll" IIIlY ChllllWllinlllY rill. 'lr It1I.r'.1.1110 N'H. H,,'dor will colcIlIIII.lh. IIm"UIII "I'lho dlfr.r.IIC",lfllIlY, h"IW..lllh. curr.1I1 11I,I.x ,11101 Ih.l)nll1l111lllld.x, Ifth. e.urr.lIlllldex I. hlllh.r Ihlllllh. Oriuil1lllllld.x, Ih. N'll. 1/"Io1.r will IIdd Ih. dlff.r.n,',' t',lb. 1IIItIl"UIII. oflnl.'.fl, lflh. Curr.nt 11Io1.x 10 '"w.r Iblllllb. OrIKIIIIIIIII".,x, Ih. Nol. H"'o1.r wlll.uhtrllcI tho ,/irr.r.llc. f"'llllh. IlIltiol ROlo "r 11I1.,..t, 'I'h. N'II,tH"I".r wlillh.n ,,,un" Ih" r..ult of Ih,. ""dlll'l/l." .lIblfllcti"n hllh. 11.11'..1 'IIW''lUllrt''r 'If "n. Pl/rc.nlllH. I'"illllll.~~"l>l, SUh).cll" Ih,'lilllll .IIIllId in s..'It"1I1< III h.I'IW, Ihl. rouno1"oI'I/11'"llll will h. Ih.II.W mI. 'lfinlor".tl "'11 relpJlred It) puy TIll' N'llll I f'll.l.r wllllh.1I ".l.rlllill" tho Il.W 11l11"UI11 "rillY Illollllhly I'"Y/II"lIllh"1 "')ul" h. .lIfOeI.1l1 to) r.pII~ Ih" "UI.lllndIIlH Ilnllclplll h"'"lIl'.11l full 'l/llh. IlliHUrlly ""l. III illY II"W r111.,,/ItH.r".lltl'"h.t1llllllllly "'llllll I'"Y/ll.III., Th" r.1I1111 'If llli. Clllculllti"lI will h. Ih. II.W "lIll1UIll ,,1' illY 1ll"lllhly I'"Y/ll'IIt. tIl) LJl1Iltlln lnloro.t ROlo Cl1ollll". Th. mI. '1/ Inl.r".1 I II III r.'lulr.d I" PllY .hllll n.".r h. IlIl'r.II..,1 ,,,o1.,'r.Il..d '111 ,"I)' .illlll. CllIIIIH.J)UI. hy IllQr. Ihllll/tYtW'J p.rc'lItllll" I'''i 11 I. l~,'~',) 0 rIY. I'.rctnIIlK. I'''il1l. I,~,l~'r,) '('n.",. ,,,,I, ""' n"t! ''''"l1lh. rnl."flnt.ro.ll/io". b.oll PllylnK, lEI Effocllvo Doto I)( ChllnKcII Thll III'W rllt" "I'lllt.r..1 Will h.c"m. "I'f.cll". '111 .lIch l'hllI1U,'IlIII., I wIIIIlllY till' lI.w ,lIl\OJunl "f my m""lhly I'IIYII'.lIt .lIch /II'"11h ""lI1llllll'U "11 Ihlt 1i,,1 1l""11hly P"I'II"'II1 01,11,. "fl.'!' 11\", '/i,ll'",. 1',11" "'"11(1)0' '"Il'"I1H "I "',\' Olt)nthly PHYnlt'l1t Id ,IKUII1 dlllntil!tJ t)r ( hllVI! fully rt!jJllltJ tIll.' '1)1111 AU.JUSTAHI.E It\ TE IU I>EI{ - Sill"'" 1"'11111,; " _ 'NMA Uniform In'l(um.n1Iln,,,,,, A". Llmll' ML-AIlM.AHIl"1 H;I F. V '; I:J 1,1t :}:~:j iF! N"tl~1I oll'l.'hollll~" 'I'h. NOlI" If""/or will 11I1111 'or ,I"'''''r 1"11I",1 111I II l'. "I ,IllY <hUlIwo.'lllh" '11II"llIlIllfIllY ItllliHhl~ '"IYIII."t blfor. I/w .ff."lIv. ","" "I'I"y dlllIlW. rho ''''llc. wllIl"chlll.IIII'ormull'"1 rO'lulrlll/ hy Iuw I" h. MIY." m. u"",II.1I th.11111 1I11011010"h,"W II 1111I h.r "I " 1''''''111 whll Will '1IIOW., IIIIY '111..110111 II1IIIY Ililw r.Wllrl/illlllh. 11'"io'lI, II, CII"'Hlfo:SI J.n:NH lInlform ("J\lI1IH1I11 I I'" !Ill! :-i1/I'IIt'II}' II1/'lItlllllllllllij 1IIIIIIltl""' II, nIHil lln f.,II"wli ,I, ChllrIlIlIlII.IIIIl", lI"rr"wor .hllIIIlIlY 1I11111~"., 11.0"0"1101110,111111 ,"hilI' rh'ln/IIO, 1111"0 1111,1111I11".111"110 IIl1rlhlllllh'. I" Ih., P"II'""ly Whlrh '"I1Y 111111111 IIllrloll'IIy "Yllr Ihlo :';""IIr1IY IlI0lrlll,wlII, ,III" 101l0"h"I" IIIIYI1I.lllo'orwrllllll,1 r."la, If lillY, 1111111, III 1111 II IIr III'"vl,I,," 'm"", 1l1"lIwrllllh J ho"',,, "1'1111,'1 IIl1ld III "','h III"'"li1r, hy 1I"I'r"w", IIIU III IIW IlUYIII.llt, WllIIII '/11., ,/trlll'l Iy I,,'h. III1Y"o Ih'"",,1 1I11""'w,,1' "hlllll'l"lIIllllly '''I'I1I.h '" I "II""r 1111 11"'10'". ""1111'''''"0 ",," 1It1,'or 1111. I'" r1I 1l'lI II I. , '111.111111", "V"III'I"l'r'"v,'r Oh'IIlIll.II"'IIIIVIII"'" "'r""lv 1I'''''"''''r .hllll PI"'II'Il'ly III,III.h '"I.A!II".r '0','111111. IIVIot.'lIdIlW oll,'h I'IIYIIIIIIII. 1i"1'""W,''' .h'IIl'll""l1l'llv "'Hdl'''WII "IIV h"1I ,,1111'11 hll. Pi'loll1ly "v"I'lllI. S"'!lInty 111"'rllllllllll; III'IlVI,'",I, Ihlll 1I'"r'""'r .hllll 11111 hI' "1"1"""" I" "'.dl'''W'' "II V '''''h h"1I .'II'"IW 110 IIl1rr"wl": (1Ilohllll IIW..... '" WI'IIIIIW "'Iho II/IYIIII'1I1 "llh,' "h/IW,II"'II """''','' hy 'I/,'h ""11111 " 1I1o"llIlIr Ilrl'ol'llIhlo /,,1 A'II"or; dll.hllll,ll Il""" 11111 h 1""lli'lIl 0111'11111'11 hy, ,"' '/1111111" IIW II II III I III1I11I"'l'III"'" ,,10'1<11 hlllllll, "'wIII pr'I/:"",/tI1W. wlllch IlIlhll "1'1111"11 "r I ,1I11"'r '111"""" III III"'VO'IIIh" "11"",'111/1<111 IIflhll ""11 'or "lI'f"1III r" "fl/w Pr"III'I'ly "I' 'IllY llill'lllwrll"f: 'Ir (CI "hllll.llcllr. 1'1'''11I Ih. h"I".r 'll.",;h h"lI UII" IIwr"'"I1"1I1 III " f'lrllI '1II1fu,.'llIry I"'~II,II" lI"h"I'.III1I1I1I1Il.IICh """I'llhl. S.cu,ily IlltHnllJ1L'IIt. If 1.1It1l11l/' ""1.1'11111100111111 1111 'or IIIIV 11/11'1 "I' Ih,. Pr"I"'rty I. .lIhlol'1 10"1/10'11 whldllllllY 111111111 II IIrilll'llY 'JVor Ihla :';"':IIr1ly '".,rllllllllll, '''11''"1' lIhllll ""11" 1I11""w"I' 11'111"" 1.t.'IIl1f,YIIIIl HlII'II II." 1I"rr"w"r Ohllll'lIlillfy oll.:h 11.11 III' llIk. IIIW llr 11111rl.l 11"llh' lIdlnlllf tH'l fllrth jllhlVI' WII./lIl1lL.'11 dllYti I)" tht! .,-1\.'111111)1' I1I'lll:I/. f.', NOTIC/o: lJI1H"Irlll CiI\!"llIIlll!.' llf 1111.1 S"nll'Hy JIlt'ilr11Ilh'llt IIj UlIll1nt!lld to rl!HII '''i "1)1I11W/i (,I, N'Hlcll, ";""llllor III1Y "'>110'" ""i'III,,'oIulloI"r IPpll""hIIlIIlW I'J I.. KIVol1l11 1I1l',lh.r III 1111 11 III', 1111 OilY Ilollc~ to Il'"rl)wo, Ilr'lvloI." for 1111111. S"':IIr1IY IlIlIIrl)lIIOlllohll1l h. WIV"11 hy oIolivonlllllt 'or hy l1luillllW It hy tlr.1 cllI.. moll uoldrllaoo,' "1 /l,,,rl)wor III Ih" ""II"'I'IY AoIdro"" ,,, III .Ilch "Ihor uddr".. u. /l'Jrrl)wor 1I111Y 0111'11/11/11. by II.Hleo to 1.111101,,, U. 1l""Vldll" l1OrI'Ill, 1111011 hi .I/IY "'>110:" I" '''11'','1' .hull h. IlIVIIIl hy 1I1',t ,,/u., lIIulltl) 1..lldllr'o IId,Jr... .llIlo<I hor"ill 111'1" ouch '>llIor IIdol"'.lIII. 1.11 II 01 "r IlIUY ''''olw,"II" hy 11"""0 "III'Jrr'"v,,, 110 prl)vlolod Iwr"'Il, AllY I1.HIe. prOVided fur 1I11111l1 :-)o,'urllv IlldlrUII'"111 . IliI II 1m 01""111""',' hUVl' h""1I KIV''fI'"Il'm"wor 'lI'l.lI1101''r wh,," WI Villi 111 th.l11l1nnor dl'tilHI1utl1d hlIH'11l Il, UNIFOH:II MOHTli,\CiEI (jOVEHNI:'iCi l.AWI SEV/O:HAlI/LlTY UniflJrl11l:IJV'II111111 l:j Iii 1111\l!l1lh11J III n.'Ud :I/j fnllrmlb, Ill, Ul1lr"rm ,\furtlluKol l.uVl!rrlll1w Ll'Ivl SlIVllrIlhllllY, Th,. f"rlII "I' ~1I"UrIIY IlllllrullI"llt C"lllhlnll' Ul1lfQrl11 C"VOI1UI1I. f,'r 11111""Ulu", 1111" 1I1)11"1I11f"1'I11 "I)V"lIl1l1lo wllh hllllt,'d VUrl"""Il" hy JUrI.oIlell/lIllu CUl1otltutou ulllform .1I~uri Iy ill.InJlll"1I1 ""v""llll r0111 pr"porly Thill :';"O:I"'ly 11I.'rUIIWI11 .hlllll1O w"vortwol hy r"dornllllw ul1d Ih.low nf Ih. Jurioolktlolllll1 which II... "1"'I,"rlY /.100'''111'/, Il1lh" "VOl1llhuIUI1Y pr'lvi.I'111 'or e1"U.1I 'lflhl.S.o:uril~ rll.trumenl or IIw :-/,>1. "'lIlllid. wllh npplio:uh/llluw, ""0'11 "'"1Il",'lllhulllll)llIff"d ,"h., '''''''.'011. "I' thl. S.c"rll~ In.trul11.ntor Ih. Not" whkh 0:1111 Ill! IlIV"1I """.:1 wllh"ut Ih.. "'"111"'II/IK pr"\'I"'III. nil" I" 1111001101 Iho pr'lvi.lolI. "f Ihl. S.curlty lllritrUIJII.'tll jIlHlth,' Ntlh.' ilre dl'dnred III hl.' M~\'l'rllhll.', /0:, NO Fl'Tl'HE AIlVANCES Nllll.lJl1tf1lrll1 <-'IIVlllwnt ~ll}f tIle.' SIII'unly In:;tflJlllt'lIt I"Jo'UIUfll .\dVlInn!::i"llti th>llHlllL F. LOAN eIlAIWE:,; If Iho 10ul1 ."c"rool hy lh" SO','UrIIY II1111rUIIWI1II. "lhJl!I'I I,) ,IIIIW whlo:h 01110 III IIXilll um 101111 ,:hurw.., un.! Ihullllw I. 1\Illllly 11l1."rprolod lIO Ih'lt tho 1111'''''", "r '1lhor "11111 <IlIIrwolI c'llIlIl'to,.! ,,, I" h" COlllllcl",lln 0:'1I1110cllon wilh Ih.'''"n ",c"lId Il.rtlllu,," hlllil., Ih"I1: / II "llY "uo:h ""111 dlMWO .11/1111111 rlldu.:o" hy Ih" '''lhHIIH IlIlCII.aury 10 roduc.lh. o:hurllo 10 tho l"'rl11'Uo" IinHto: /11101 IJI IIIIY oum. a/rlllhly """,'ctlld fr'"11 /l'lrrowllr wllh'h "',,""01." p.lmlttll,J limll. will b, rdulldod tll n,,,rllw,., LIIlldllr IlII1Y dl"',"1I tll IIwko thlll ",ful1d hy r"duI'IIlW IllI! Prtl1c'pul 'lw"d ulld.r tho N'llu or by IlIl1kll1K u ,lir,'cl PUYI1lCllllo llolrr'lwor, If ,I roful1d rlldu.:"o princIpII I, 1110' r,'du"IIo}1l will hll tr.ut.d ou ., purllul prlJ"uYIH~nllJnJl'r thl.' NtHI!. ", \ 'I . ~ I,~ (I" H"t ,'):::; G. LEGltlJ,A'I'ION If, .n., th. ,lolt h.,lllr, tllllellll.llt '/r .KIII'"l1l1l1 'lr UI'\llh:llhl.lllw. IHI," tho ./l.l'I.lllwr 'lr rolll'tl1l1lllhll/rllvllllln"lf Iht Nlllt, tht IIteul1lY 11l.I'UIII.1I1 '/r thl. ",J,II.IIIII. 111110 1I1.1.r Illlh.r Lhllll II". Illlrllllrllllh III 1I110llr"rcuhlt .ecllrdlny III Ih.lr l'trlllt, '/r 1I11'/r 'lilY 11I1r1 .,r Ih. _UIIl. .0Cllr.,J h.r.hy IIn""II.Clllhl., lit lllh.rwi.. 11r'IYhl.d In tl1. lI.ellrll~ 11I.lrllllltnllnd Ihlt A.Jjll_lllhl. 11'11. III d." 'Ir "r dlllllnl.hllllllht Yllluo Ilf IAlI1lJ.,'. tuCllrllf' Ihl/ltAnd.r. It IAII,I.r'. '111111111, IIlIlY IfOc!lIrtull.lIl1l. Ul'lIr.,J by lhollocurlly 111.1""11.11111' h.'lIllllo,III1I.I)' dUtlI/ll llo~oblt, 11I'lIch .V.III, lI'/r,",w" .hllll nlll hIlY.th. rlWhllll r.lllollIl.lllhorwl..II,",vld.,J III N'IIl' l}1" ('/r111 C"vollllnll U llr Ih. StCllrily I I1tlrUlllOlI I. IN WITNt:HH Wllt:It";I)I', l!'lrr'lw.. h'l. "H.'JUloIJ II". ",Jju.lItbl. 1I,".IlI,I.r WIlIIO.., ~' , -' ,'--- - -. - , ------- -=-.---.> .IS.oJ) ~Q~.-JU;~:::; rllJu ~~~Uo""u"'t /S.al) .~ Dornnn, __--Sl.4l G ~S;_h__.__.______ S\,~QG\.~. ---- ISlall -~tTI)w'r COMMONW"ALTH ot' PENNaVI.VANIA, CUHBEPLANO County III On 1111" 1\1' ..Ji.Il!. dny of __3:f~ N \J9'I (l.. \I , IU aH b.fort m., Notary PUb 1 C 111. undo"llllI oJ orne." l'urBllntllly allPto,.oJ Joliil"S. Vayan05 and --- known w m. (IIr ..tl.fauloril~ pl'Qvon) 10 b. th. Ih. 11.,.0" - whll 0 1It11110 ~'\ublcrib.oJ I" th. within Inl\rllmonlunoJ IIckMWled,led 111.1 thf'Y ...cut.d tho 011111. for Ilw pUn)II.1 hor.ltl CIIIIlIIllI..t, In WIN'l'Eaa WIlEfIEOF, I hor.urnll ..till)' hOlld ond ornclol ..ul, M~ COIllIllI..llln ..pi,..: o 0:.-"<:> I/!>'Il:.ofl.. ".:l.~ I \ 'l ~ ~~c?a~ ...... ^ '","f -, ' .."\111 " ... , ...... ~ -, . , " ..,. ,. Dnld p, P41klnl, NOTARY flU"'- C",' l' 'I" ~. Ill, CornmllllOn (>PIII O'lo~" 10, l~"'~,p ,.... all~M-(t'P3~f'I!l.n.t rnunt~ ".~~ nlh")(Ofn,,r t C.rtlOcllhl II' IluIld.nce '1' M.lttll''loU VulllY Blllk ond Tru_I Cornp.ny, Mortlluy" wllhln norn.d, h_rtby ClIrtln.1 Ihnl h. pnnclpnlpfllcl .r bU'ln... I. ut Chllmblroburll, Ponn.)'lvunlu, Commonweolth of Pln".ylv.nlo t j "I Vulluy llonk ond Tro.t Cllmpany .._-f'I~,~,.C 4-7--. County uf R..:or.t.d In tho Ofnc. nf Iho U.c",dor o( D...I. In ond (or .lIld Cllunl~ IIn till ,lilY "r ,10, In MorlllllWo BO'lk Volul1ll , pnWI Wltne.. my hnnd Ind tho uIII oJ( .nid 'lflko Ih. ,lilY 0'101 YOIlr .(orl.old, b 11;,( ~'1:1 I'M f.J:)(JI",,,,Jer Acnl IMPORTANTI Nonn: ()to JlOmXlWNf:IIS' EMEltGENCY MOlnGAGr. ASSIS'J'ANO: I)ROGRAM I)Lf:ASr. IU:AIl HilS NOTln, YOU MA V liE ELlGIIJU: mil FINANCIAL ASSISTANCE WIIICII CAN SA VE V()JJJ{ 1I0ME FlUlM FOJU:CJ,OSUllE AND liEU) VOlJ MAI\E JOUTlJlU: MOJ{TGAGI': I)A \'MENTS " Palo Apt11 ~4, 1')'/1) !lE: ACCOlIIII No ~'JI H 17 2 'fa FRGM' Johll S Vorono.,.1I)~; VII<r1l SU<<I, SllIrpCII"HII~, I'A I n.~'1 VALLEY IIANK ANIJ TllliST COMPANY \'ou mlY be elllllble for nlllllldlll AlllIllIlIce Ihlll wlllllre\lenl foreclosllre on your 1II0rt~llle If YOII """ll'Y wllh the 111'0\11110111 ol'lhe JI"mfuwn~rl' Emergency MortgAlle AlIlslnnre ACI of 1983 (Ihe "ACI"), \'OIlIllIlY he cllglhlr fIll' elllerllency lelllllorllry 'USlllAllce If YOllr L1efllllh 11115 hrell cllnsell hy drcllmllllllCf5 beyond your conlrol, YOII hA\le A reAlonAhle Ilrollleel of reSllmlll1l your lllorll.4"lle ll"ymclIlI, IInd If )IOU mfflolher elllllblllly requlremenll rSlllhlllhed hy Ihe l'~nnlyl\lllnllllloullnl1 F""l1lee AIlClley, PleAse renLl nil of Ihl, NOllee, II conllllllllln ulllllnllllon of Yllllr ,'lllhll, Under Ih< MI, )'<J\IlIr< <nllll<d hI 1I1<1ll1'''1'0I)' billY "'-">1<<1"'"1< "II your Illorlgllg" /,'r IhlllY (30) doys/Tom Ihe dule Qr~IIS NQllc< 1JIII111g IJIIIIIIIIl< )OIlIllIlSIIl1101l~< IIlId IIlIend II "lilce,lo.'it<<" 1Ill!<llIlg \\'lIh 0 1'<l'r<>elllallve oflhla 'ellder, Qt ""h 0 dC"l!Jlolr.d <OIl"'lllel' <I<dll cOIIII,<lin~ ogel1<Y lhc I'"ll""e ,,'-UII. llle<11I1H "10 411l!lIlp11U work OUI a ,"PO)111<IIII1""' or 10 olh<IWI.. "1I1e Y'H'r .lehllll"<n'y 1'111' lll<eUIIH 1Il1l.1 occllr mlh< lIe~1 (30) d.r. If you ollelld a f.ce.lu''-"e lll<cllIl~ \Vllh 1111. l<llIlcr, ,'r II'lIh n '''I1.l1l1Ier credit COll115elinH aHellcy idenlll1o:d In Ihisnulice, no I'lIl1hel' pro.:eedlngllllllong.ge r"red',lblll'e moy lok< plnee ror Ihiny (0) day.lIIle, 'he dnlo Of~lil 1l1l:e111lH '1l1e nume, .ddrc.. nnd lelel'hone nlJmbc, Qr our r'pre"lIlo"Vell Mlcho<1 E, AllemBn, (011<<:11011 SUpe""150r VALLEY DANK AND TRUST CQMl'ANY 36Q7 Pell)' Sl1eel, I' a llo~ ,1662 Hnrrisburs,I'A 17111 Tclepholle Number (717) 237061730' 1 (gOO) ,1)6.]0,19 I, Tho numes DIld .ddre51 of de.'I!JIDled cOI1.umer cred" coun5elillH .g<nei.. are .hown on the anached sheel, II II only "<CUll/')' 10 .chedulc ulle face,lo.f.c< m<eunH, You ,hould adVIse Iluslende, unmedia'ely oryour in'entlona. Your Illorlg.go is in def.ull h<c.",< you have rolied 10 p,y prolllpllr Inllalhllenls of pnncipal und IlIler..I, au required, for I peno4 of olleusl .1~ly (60) do>,s, The 10101 amount o'-Ihc d<linquency io 514,26170, Thai ourn ineludea the follOWing' MOlltltly llJU.W~JJllVlj2.fuLD<c 6, 19'10 olld Jon 11llilYi/h Dec 6, 1991 nnd 5226 40 rQL.1Jm. Ihr.sllI&b Dee, 6. 1992 and 5211 48 Illr Jan Ihtmlih..D.ec 6, 19931111d 5~Ori 50.E.lrJmuhu>!Il!hJJec 6, 1994 und rn~llb.O"~I.22.i.illI~J1cL1.21J)c1nJLJ1Jl.!]!lJlILlIIlI 6, 1996, J11.uUJIK!JUlll.mber dl/lli/es)of50 00 '1l1e rennll)'lvo.nlo Hmmllg FlIlonce Agency cun he reoched TOl.L FREI; 011 (800)3,12.2397 AC'I'91 IMPORTANT, NOTICE OF 1I0MEOWNERS' EMERGENCV MORTGAm: ASSISTANCE PROGltAM I'LEASE READ TillS NOTICE. YOU MA Y DE ~:L1GIIIU: mR FINANCIAL ASSISTANCE WIIICH CAN SA V.: VOUJ{ HOME FIWM FORECLOSURE AND HEll) YOU MAKE FUTUIU: MORTGAGE J>>A YMENTS Pale: Apnl 24, 191)(, RE: A~coUjll No S'il H 172 TO: FROM EI'allgeillle Vayalloa, 31\ S QUtell SlTeel, Sillp"ellijhurg, I'A I nS7 VN.LEY BANK AND TlHlST COMI'ANY Vou IIIAY be eligible ror nnAndsl AulslAnce IhAI will prevelll roreclosure on your 1II0ngAglllr you cOlllllly with the IIrovlslons or Ihe HOllleowners' Emergency MonIlial! AsslslAnce ACI or 1983 (Ihe "ACI"). You IIIAY be eligible ror emergellcy lemporAry ASslslAnce Ir your derAult hns been cAllled by clrwnulllllcu beyond YOIII' COIII.'ol, you hAVI! A reasonAble prospecl or resullllng YOllr mortgAge pAYlllellIS, And Ir you lIIeel olher eligibility requirellltlllS tllllhllshed hy the l'cllluylvAlIl1I 1I0uslng FllIllncc Agency. PII!ASI! rl!Ad All or rhls No'lce, II conllllns All explAnAllon or your rlghls, Ullder Ule A~l, )'ou ore <llIlIlr;l 10 0 'ell11'oro" 'Ioy 01( 10re~losure 011 )'our rnongoge ror Ihlny (30) daya/Torn U,e dole arUm Noll~e DllnllH Ulollu11e )'OIll11uol mange olld ollend n "roce'lo.rn~e" l11eelillg wllh a represelllative orOlla lender, or W,Ola deSIH/1aled conollmer crrdll cUllmrilllg 08ency The purpo,e or 11110 l11eeII1l8'.'0 allel11l'llo wOlk oUla repoyment "lOll, or 10 olh~rWlse oellle )'ollr dehn'llltncy Tlua l11.elillg 1111151 occur III Ole next (30) do)'s, Iryou ullend a raCe'IO.roce meelll1g wllh ihlij lel,der, 'If 11'101 a conijumer credit cOlll1seling aBellcy IdentUled In \hl.llollce, no l\Ir1l1er proceeding ill mon81ge ror(<losure ma)' 'oke place ror Ihiny (30) day. aileI' the date orll1is meeting, The name, addre.. and lelephone nUlnberorour reple'enlallve i, Miohael E, Allel11411, CollecllolI SupervlijOI VALLEY BANK AND TRUST COMPANY 3607 Derry Slreet, PO llox 41\62 Ham.bllrg, I' A 17111 Telephone NUl/1ber (717) 237.6173 or 1 (800) 336.3049 The name. 4I1d oddr... or dCSIH/1aled CO/1!umer cr~dll counselillg ogenciea are shown on the ollached sheet. It i. only neeenAry to ,ehedule one race.lo.raee meel'"8. You should adme th'.lender immediately or your illlenhon., Your 11101'18a8e 1.111 derauh because you hal'elolled 10 pay promptly I/1slallmenls orpnnelpaland Inlereal, as required, fOla penod of allml ijlX1Y (60) day.. The 101014/1'1')11I11 orll1e delinquency i. S14,261.70, ThaI ijUlll includes lI1e rollowing: Mwllbl.Y..R.~menls ofS237 82 for D(< 6, 1990 ond 1411 \hrnll~ Dee 6. 1991 411<1$22640 forJan Ihrouah Dee 6. 19'U.Jwd 5213 48 for 14IJ..JJlroullh Drc ~, 1993 and S206 so for Ian lhrollRh Dec 6. 1994 and S212 86 for Jan throuih Dec 6. 1995 n0lU214 79 fnr Jan throuih f\~1996. plus lale fOlld other charve.lofSO 00 The Penll5)'I\'4I1Iallou.I/1B FII1O/1eel\senc)',on b. reached '1'01.1. FREE all (800)342.2397 ,I I~rj 1,/1' I ~ ' Li, 'I, I ;:,! ,,) i:'rj ~I, I' ,14 r' , "I \~!l' " " " ,I! !, r! .-i " , II' I '1 " " ,I , , I' I , " I: " 'I I , j" " 'jl Ii'! ,I I II ',J I, I: " , I II I I , ''. , , C': ..... ro' " I r t'I i V'~ ~.tJ l,f. ) . ,1,)iS ~1'1' , .,.' '\' J/... I\.j ,), ~ ~II ~" ~:' " t I i,,'(J f: " 1,,\ 1\ ~L ,IJ. \I 1.,1 I '.1 l,il \ J " " I . ~ .. I . ~~ I, Iii I' e; \r, ~. .~ lS- ~ 8- " ~ ~I\) .... I'<') ~ - \'; 0.."J ''4! \T", - ~ \\::/~ " Ii I' II , ).' 'I ,I , , " I' 1'1 It, 'I I I I, , I " , , " ' I' , ,