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'~MERS-MA1N
10:7172404518
NOV 07'96
10:28 No.003 P.Ol
RECORDATION REaU~:;leD BY:
Flnlnclll Trull Com pIny
Onl Will High Slrell
Carllsll. PA 17013
WHEN RECORDED MAIL TO:
Flnanclll Trull Complny
Onl Will High Slrlll
Carllllll. PA 17013
SEND TAX NOTICES TO:
Gregory G. Rill Ind Robin ~. Rill
103-1 Yorl< Roecl
DlIIsburg, PA 17019
:\~~:i'";7~. ZIC:L[R
f\~CO;':DEf\ OF DEEDS
~. UM :1UiL!.r;~ COUNTY -?~
'95 JU\.l1 riM 8 32
SPACE ABOVE THIS ~INE IS FO:l RECORDER'S USE ONLY
MORTGAGE
THIS IS A PURCHASE MONEY MORTGAGE
THIS MORTGAGE IS DATED JULY 10, 1995, between Gregory G. Rife and Robin L. Rife, owner(s) In fee Ilmple,
whose address Is 1034 York Road, Dlllsburg, PA 17019 (referred to below as "Grantor")i snd Financial Trult
Company, whose address Is One West High Street, Carlisle, PA 17013 (referred to below as "Lender").
GRANT OF MORTGAGE. For vllulbll con.lderatlon. Grenlor grents. berg.ln., ..II.. conv.y.. ...Ign., tren.II.., rei....., connrm. Ind
morlglglS 10 ~Ind.r III of Grantor'. nght. Iille. and Inl.r..lln and 10 Ih. lOll owing desenbed r.al prop.rty. tog.lh.r wllh .11 exi.ling Dr .ub..quonlly
.r.cl.d or .HlXed bUilding., improv.ment. .nd fixture.: .11 ~treet., Ian.., .lIoys, pa.sage.. and ways: all aasement.. rlghl. 01 w.y. .11 Iibarties.
pnvil.g.'. t.n.m.nt., her.ditam.nt.. .nd .ppurten.nce. th.reunto b.longing or anywISe mad. .ppurt.nanl hereaH.r. and Ih. r.v.rslon. .nd
r.m.ind.rs wilh respect th.reto: .11 waler, water rlghl., walercours.. and dilCh righl' (including .tock in ulililies with ditch or imgalion righl.): and all
olher right.. royalli... and profit. r.I.ling 10 Ihe real property. including withoutlimltalion all min.ral.. oil. ga., g.othermal and .imllar mafi.I$. located
In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"):
see Exhibit A township: Monroe
The Real Property or lis address Is commonly known as 1034 York Road, Dlllsburg, PA 17019.
Grantor pr...nlly a",gn. to ~.nd.r .11 of Granlor'. righi, fill.. .nd inter..1 in .nd to all I..... 01 Ih. Property and all R.nts from Ih. Prop.rty. In
addihon, Granlor granl5 to Lender a Unllorm Commercial Code security Inleresll" the Personal Property and Rents.
DEFINITIONS. Th. following word. .holl hav. the following m..ning. wh.n u.ed in Ihi. Mortg.g.. Tarm. not otherwise d.fin.d in Ihi. Mortg.g. .hall
h.v. the m.anings .1Iribul.d to such term. in th. Uniform Commercial Cod.. All r.l.rence. to dollar amounts .hall me.n .mounl. in lawful mon.y of
the Uniled Slales 01 Amenca.
Granlor. The word "Granlor" means Gregory G. Rile and Robin l. Rife. The Granlor is the mortgagor under thiS Mortgage.
Guerlntor. Th. word "Guar.nlor" me.n. .nd Include. withOut IImllation each .nd .11 ollh. guaranlors. sur.II.., .nd .ccommodalion p.rties In
conneclion wilh Ihe Indebtedness.
Improv.ments. Th. word 'Improv.menl.' m.an. and includes wlthoul limitation all ..ISllng .nd future Improvem.nt., fixtur.., building.,
slruclures, moblle homes athxed on the Real Property, lacilities. addihons. replacements and olher construction on the Real Property.
Ind.bl.dn.... Th. word 'Indebt.dness' means all pnnelpal ahd inl.rest payabl. und.r Ih. Not. and any amount. exp.nd.d or .dv.nc.d by
~end.r to dIScharge obligation. of Grantor or expen.e. Incurr.d by L.nd.r 10 enforce obligations of Grantor under this Mortgag.. logelh.r with
Interest on such amounts as provided in this Mortgage.
~end.r. Th. word 'Lend." m.an. F,n.nclal Tru.t Company. it. .ucc.ssor. and .sslgn.. Th. ~.nd.r ISlhe mortgag.e und.r Ihi. Mortgag..
Morlg.ge. The word 'Mortgag.- me.n. this purcha.. Mon.y Mortgage belw..n Granlor and ~.nd.r. .nd include. wllhout limitation all
asslgnmenls and security Inlerest provisions relating 10 the Personal Property and Renls.
Purch." Money Morlg.gl. II any of the d.bf ..cur.d by thIS Secuflty Instrumenl i. I.nf 10 Borrow.r to .cquir. till. 10 Ihe Real Prop.rty, thIS
Security Instrument shall be a purchase money mortgage under 42 P.S. See lion 8141.
Nole. TI18 word 'Not.- m.ans Ih. promlS'ory not. or cr.dil .gr..m.nl dot.d July 10. 1995, In the original principal amount of
$90.000.00 from Grantor 10 ~.nd.r, log.ther wllh all r.n.wal. 01. .".nSlon. of. modlllCat,on. 01. r.fin.ncing. of. con.olidation. of. .nd
.ub.lIIution,'or 1118 promISsory nole or .gre.m.nt. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIAB~E INTEREST RATE.
Persenal Properly. Th. wordS 'Persona' Prop.rty" m.an all .quipm.nt. IlXture'. and oth.r .rt,el.. of p.rsonal prop.rty now or M,..Il.r own.d
by Granlor, and now or h.reall.r allach.d or afflx.d 10 the R.al Prop.rty: tog.ther wllh .lIacc..Slon.. part.. .nd addition. 10..11 r.placement. of.
and all substitutions for. .ny of .uch prop.rty: and log.ther with .11 proc..dS (Incfudlng wllhOut limltaflon .lIln.urance proc..d. and rafund. 01
premiums) tram any sale or olher dlSpoSlhon of the Property.
Property. The word "Proporty" means collec!lvely Ihe Real Property and Ihe Personal Property.
R.al Properly. Tne word."R rty, inl.reslS .nd flghlS d.SCrlb.d .bov. In tne 'Grant 01 Mortgag.- .ect,on.
R.III.d Docum.nls. Th. EXHIBIT ean and Includ' WithOut limllatlon .11 promISsory nol... Cledlt .greement.. loan
agr..m.nls. enVltonmenlal agre.m.nl.. murtgag... d..d. of Iru.t. .nd all olh.r Instrum.nts. agreem.nt. and
dacumenls, whether now or I 4 nnechon wllh Ihe Indebledness.
R.nIS. Tne word "Renls' IS, rev.nue., Incom.. ".u.'. royallies. prolll.. .nd oth.r ben.',lS d.rlv.d from Ih.
Property, .
MORTGAGE
(Continued)
Page 2
THIS MORTGAGE. INCLUDING THE ASSIGNMENT OF RENTS AND THE S~CURITV INTEREST IN THE RENTS AND PERSONAL PROPERTV, IS
GIVEN TO SECURE (11 PAVMENT OF THE INDEBTEDNESS AND 121 PERFORMANCE OF AU. OBLIGaTIONS OF GRANTOR UNDER THIS
MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOUOWING TERMS: .
PAVMENT AND PERFORMANCE. Except as olherwlse prOVided in Ihl5 Mortgape, Granlor shall pay 10 Linder all amounls secured by Ihls MOr1gagl
IS they become dU', and shall slnel1y perform all of Granto~'s obllgaltons under IhlS Mortgage.
POSSESSION AND MAINTENANCE OF THE PROPERTY. Granlor .gra.. mal Gr.nlor', po.....,on .nd u.. 01 Ill. Prop.rly ,hall b. governed by lhe
IClllowing prOVIsions:
PosseuJon and Use. Unlil in default, Granlor may remain In pOssBssion and control or and operate and manage Ihe Property and coUact the
A,nls from lhe Property.
Duty 10 Mllnllln. Granlor shall mainta.n lhe Proper1y In 'enanlable condlhon and promptly perform III rep'lrs, replacements. and maintenance
necessary 10 preserve ill valul.
Ha%lrdoul SUbstlncel. The lerms -hazardcus wasle," "hazardOUS substance,. "dIsposal," "releas8," and 'hrealened releasl," as used In this
Mortgagl, shall havI Ii'll sarne meanings as Hllorth In Ihe ComprehenSive EnVIronmental Response, Compensahon, and Liability Act cf 1980, I'
.m.nd.d. 42 U.S.C. Secllon 9601. ., ,.q. rCERCLA'). Ih. Superlund Amendm.nl, .nd R.aulhorlzalion Acl 01 1986. Pub. L. Nu. ~99
("SARA"), Ih. Hazardou. M.I.rlals Tran,porlallon Atl. 49 U.S.C. Secllon 1801..1 saq.. Ih. Ro,ourc. Con..",.lion and R.cov.ry Acl. 49 U.S.C.
Secllon S901, .1 5eq., or olher applicable stale or Federal lawn, rules, or regula lions adopled pursuanl I~ any or the roregolng. Thl terms
"hazardous wasl'" and "hazardous subslance" shall also Include. wilnout hmilalion, petrOleum and pelroleum by-produclS or any fraction Ihereof
and asbeslos. Granlor represenls and warranls to Lender 11'111: (8) Curtng Ihe periOd of Granlor's ownership of the Property, Ih.re has bHn no
use, generallon, manufacture. storage, Irealmenl, dISposal, release or threatened release 0' any hazardous waste or subslanc.. bV any person on,
under, about Of from the Property; (b) Granlor has no knowledge of, or reason 10 bo118V. Ihal there has been, except as prevlouSlv disclosed to
and acknowledged bV Lender In wrilmg, (I) any use, generahon, manulaclure, slorage, Irealmenl, diSposal, release, or threalened rele8se of any
hazardous wasle or substance on, under, aboul or from the Proper1v bV any prior owne('$ Of oc~upanl& of the Proper1v at (Ii) anv aclual or
Ihrealened litigation or claIms of anV kind by any person relallng to such mailers: and fe) Excepl as prevlouslv disclosed 10 and acknowledged by
Lender In wriUng, (I) neither Grantor nor any tenanl, conlraclor. agenl or oll'ler aulhorlzed user 01lh8 Proper1v Shall use, generate. manufaclure,
slor., trial, dispose of, or release any hazardous wasle or substance on. under, aboul or from Ihe Property and (II) any such activltv shall be
conducled in compliance wllh all applicable federal, slale, and local laws, regula lions 81'ld ordinances, Including wllhoul IImitalion lhose laws,
regulations, and ordinances deSCribed abovI. Granlcr 8ulhonzes Lender and ils agents 10 enler upon the Property 10 make such inspections and
lests, at Grantor's expense, as Lender may deem approprIate to determine comphance ollhe Property with fhis sechon ollhe Mortgage. Anv
inspections or tesls made bV Lender shall be for Lender's purposes only and shall nol be construed 10 create anv responsibilitv or liability on Ihe
part 01 Lender 10 Granlor or to any oll'ler person. The represenlatJons and warranlies contained herein are based on Granlor's due diligence in
invlStigahng Ihe Property rOf hazardous wasle and hazardous substances, Granlor herebv (a) releases and waives any fulure claims against
Lender for indemnity Dr contribution in Ihe evenl Grantor becomes liable lor Cleanup or olher costs under anV such laws, and (b) agrees 10
indemnify and hold harmless Lender against sny and all claims, losses, liabilllles, aamages, penalhes, and expenses which Lender may dlrectlv or
Indireellv sustain or suffer result,"g from a breach of Ihis secho" 01 Ihe Mortgage or as a consequence 01 any use. generation, manufacture,
slorage. diS,lJosal, release or threalened release occurnng pflor 10 Granlor's ownership or inlereslln Ihe Property. whether or nollh8 same was or
should have been known to Granlor. The proviSIons 01 thrs section 01 the ~or1gage, including the obligalion 10 indemnify. shall survive Ihe
paymenl of 11'18 Indebledness and the sahslaclton and reconveyance ollhe lIen;01lhl5 Mortgage and shall not be aUecled Dy Lender's aCQUIsition
of any inlerestln the Pro!Jertv, whether by foreclosure or olherwlse.
Nuisance, Wllsle. Granlor shall nol caus', conduct or permit any nuisanc. npr commit, permit, or suffer any stripping 01 or wasle on or 10 the
Property Dr anv portion ollhe Proper1v, Wilhoullimiling Ihe generalitv ollhe loregoing, Grantor will nol remove, or granl to any olher party Ihe
right 10 remove, any limber, minerals (rncludlng Oil and gas), soil, gravel or rock j:roducls wilhout Ihe prior wrllten consont of Lender.
Removal of Improvements. Grantor Shall nol demolish or remove any lmprovemenls from Ihe Real Property wllhoullhe prior written consent of
Llndel. As a condihon 10 the removal of any Improvements, Lendef may reQuire Granlor 10 make arrangemenls salisfaclory 10 Lender 10 replace
such Improvements wilh Improvements 01 atleesl equal value.
Lender'y Rlghllo Enler. Lender and its agents and represenlali\ies may enter upon Ihe Real Property al all reasonable limes to '"end to
Lender's Interesls and 10 inspect the Property fOf purposes of Grantor's compliance with Ihe lerms and conditions 01 this Mortgage.
Compliance wllh Governmenlal Requlremenls. Grantor snail promptly comply With all laws, ordinances, and regullllons, now or hereaHer in
effect. of aU governmental aull'lorilles applicable 10 Ihe use or occupancy 01 Ihe Propsr1y. Grantor may conlesl in good faill'l any such law,
ordinance, or regulation and Withhold compliance dunng any proceeding, lnCludmg appropnale appeals, so long as GrantOi has nolilied Lender in
writing prior 10 dOing so and so long as, In Lender's sole oplnron, Lender's Inleresls in Il'la Property are nol jeopardized. Lender may require
Granlor 10 posl adequale securilv or a surelv bond, reasonably sallsfaclorv 10 Lender, to pr:3lect Lender's inleres!.
Duty 10 Prolect Grantor agrees neither 10 aDandor. nor teave unallencJed Il'le Proper1v. Granlor shall do all other acts, in addiUon to Ihose acts
sat forlh above in thiS secl:on, which Irom Il'le characler and use of Il'le Proper1y are reasonablv necessary to prolect and preserve Ina Property,
DUE ON SALE - CONSENT BY LENDER. Lender may. at lis oplion, declare Immedratelv due and payable all sums secured bV thiS Mortgage upon thl
sale or transler, wilhoul the lender's prior wrlllen consent, of all or any part ollhe Real Property, or anV inlerest in Ihe Real Proper1v. A -sale 01
tranSfe" means the conveyance 01 Real Ptoper1y or any rlgl'll, IIlle or inlerest Iheteln; whelher legal, beneficial or equllable; whether volunlary or
Involuntary; whelher bV oulrighl sale, deed, Inslallmenl sale conlract, land conlracl, contracllor deed, leasehold mleresl wllh a lerm grealer Ihan three
(3) yea~, klase-opllon contracl. or bV sale, asslgnmenl, or Iransler 01 any beneflcl.1 mleteslln or 10 any land trusl holding hlle 10 Ihe Real Property, or
bV any olher melhod of conveyance 01 Real Property inlet est. II any Granlor IS a corporalton, partnership or hmilod lIabllilv company, transler also
includes arlV change in ownerShip of more Ihan twenty-five percenl (25%) ollhe vollng Slock, partnershrp interesls or limited lIabilitv company inlerests,
as Ihe casa may ba. 01 Grantor. However, thiS cplion sl'lall not be exerCised by Lender I' such exercise 15 prohibited bV federal law or bV Pennsylvania
law. 1"',9
TAXES AND LIENS. Thelollowlng prOVISIons rel.hng 10 IhS la'e. and "on. on Ihe Property are. parl ollhr. Morlgage. eOoii t:~71 PACE
Payment. Granlor shell pay when due (and In all events prior 10 delinquency) aU lalllS, payroll taxes, speclallalles, aSS8ssmenls, waler charges
and sewer service charges leVied agarnsl or on accounl of Ihe Property. and sl'lall pay wl'len due all claims for wOtk done on or lor services
rendeted Ot malerial furnished to Ihe Property. Granlor shall marntarn Il1e Properly hee ot aU hens I'lavrng prlOrlly over or equal to Ihe mlerest of
Lender under Ihls Mortgage. ellcepl for the Ilen of taxes and assessmenls nol due. and excepl as otherwise prOVided In the follOWing paragraph.
Righi To Contest Granlor may Withhold payment of any 18)1, assessmenl. or claim 10 connecllon With a good lallh dispute over Ihe obligation to
pay, so long es Lender's Interest In 11'l& Property IS nol Jeopardized. II a lion arrses or IS Illed as a re5ull 01 nonpaVmenl, Granlor shall wlll'lln flheen
(15) days aller the lien arises or, II a Iren IS Illed, WithIn Irlleen (15) days atter Granlcr has nohce ollhe rlllOg. secure the diSCharge ollhe lien, or If
requasled by Lender, deposll wllh Lender cash or a sufflcrenl corporale surely Dond or olher 58CUtlty satrsfactory 10 Lender In an amounl SuHIClent
10 discharge Ihe hen ptus eny costs and allorneys' fees or clner Charges that could accrue as a rosult 01 a loreclosure or sale under Il'le hen. In
MORTGAGE
(Conllnued)
Page 3
.ny conl..,. Gr.nlor Ihall a.l.na 11..11 .nd L.nd.r and shall ..II,ly .ny ad"l$8 Judgm.nl b.lor. .nlorC.m.nl agaln,llho Prop.rty. Gr.nlor lhall
name I...ndt' I' In Iddlllol'\Al oblige. under any sur,ly bond lurmsh.d In the conllSt proceedingS.
EYld.nc. 01 p.ym.nl. Granlor Ihall upon damand lurnlSh 10 L.nd.r ..h,laclory .Vldanc. 01 p.ym.nl ollh. la'" or ......m.nlS .nd lhall
.ulhon.. Ih. .ppropn.l. gov.rnm.nl.' olllcla: 10 dlhv.r 10 Llnd.r II .ny 11m. I wrlllln Ilalemenl 01 Inl taxe. .nd ......menlS .galnsl '''''
Prop.rty.
NoIIC. 01 Con.lrucllon. Gr.nlor Ih.1I nollly Llnd.r alia..1 lill..n (15) dlY' bel",. .ny work IS commencld. .ny "IVIC" er. IUI","hed, or .ny
m.I.,ial. lro .upph.d 10 In. Prop.rty. ,'.ny mechenlc', I,.n. maleri.lmen', hen. or olner lien could be ....n.d on Iccounl 01 lhe work. "/VICe"
or mal.n." .na Ih. co'l "c..d. 55.000.00. G,.nlc, will upon r.que'l 01 Lender lurnlSh 10 Landel advanc. a..urance. ..lIllaclory 10 Lander
lhl' GrenlOf can end will PlY thl cost clsuch Improvements.
PROPERTY DAMAGE INSURANCE. Th. lOll oWing prolliSlon' relallng \0 In.ullng Ihe Prop.rty are a part ollh.. Mongag.,
Mllnt.n.nc. olln.ur.nc.. Gr.nlor ,h.1I procur. .nd malnl.in policies 01 file Insur.nc. wllh Ilandard .Illlnd.d cov.reg. .ndorsem.nll on ·
r.piac.menl b.II' lor Ih. lulllnlurabla vllu. covellng all Implovemants on Ihe Rail Prop.rty In .n Imounl lutflCllnllo .vold .ppllClllon 01 any
COln.urancl claulI. and wllh . IlIndard mortglg.. claule In lav"r 01 Lendar. Policies Ihall be wnllen by luch In.ur.nc. comp.nI.. .nd In luch
lorm as m.y bl r...onably .ccapl.bl. 10 Linder. Gr.nlol .hall deliver 10 Linder cartilleal" 01 cov.r.ge hom ..ch Insur.r containing ·
IlIpul.llon lhal covII.ge will nol b. cancalled or dlmlnllh.d wllhoull minimum ollen (\0) days' phor whllln nollellO L.nder .nd nol containing
.ny dll<:lalmar 01 lhe In.ur.r'. Iiablllly lor I.llur. 10 glva .uch ncllca. Each In,ur.nc. policy ."0 lhall Includa an .ndorsemenl providing lhal
coverage In lavor 01 L.na.r will nol ba Impalr.d In Iny w.y by any acl. omls.ion or dalaull 01 Granlor '" .ny olhll pe"on. Should Iha Roal
Prop.rty al any lime beeome localed In an "II ae,'gnalad by Ihe Diraclor ollhe Federal Emllgency Managemenl Aganr.y ., · Ipeclal nooa
h...rd aroa. Greolor agr... 10 oblain and malnlain Fedaral Flood In.urance. 10 Iha "Ienl .uch In.urence II lequlled by Lander .nd is or
becoma. ",'ellable, lor Ihe lerm ollne loan and lor Ihe lull unpaid pnncipal balence of Iheloan. or lhe maXimum Iimll 01 coverage lhalla Ivallabia.
whIchever IS less.
Appllcallon 01 Proceedl. Granlor .hall promplly nollly Lender 01 any loss or demage 10 Ihe Property If lhe astimaled co.1 of roplir or
replacemenl ..ceed. 5500.00. Lender may maka prool 01101. II Granlcr lalls 10 do so wllhln 111l..n (' 5) days 01 Ihe ca.ually. Whe:h.. or nol
L.nder's IIcunly Is Implired. Lender may. el lis alecllon. epply Ihe procelds 10 Ihe reduction ollna Indabladne.., palmenl 01 Iny IIan .lIeeling
Ihe Property. or Iha I.slorallon and ropalr ollhe Property. II Lender elecl,lo apply Ine proc..d. 10 roslorelion Ind rapalr. Granlor shall ropair or
replica Ihe damlgad or deslroyed Improvements In a manner sal"leclory 10 Landar. Lender .hall, upon ..lIslactory prool 01 such axp.ndllura.
payor 1.lmbu,," Granlor ~om Iha proc..ds lor Iha reasonable co,l of 'eplir qr reslorlhon II Granlor Is nolln dalaull hlrounder. Any ploc..ds
whiCh have nol beln dlsbul$8d wllhln 180 days aller Ihelr reee'pl and which Lender has nol commllled 10 Ihe repair or ro.lorellon of Iha Property
shall bl u.ed ti,,1 10 pay Iny amollnl oWing 10 Lander under Ih's Mortgage. Ihen 10 preplY accrued Inl.re.l. and Ihe 'amalnder. 11 any. shall be
apphed 10 the principal ba!anCI 01 Ih. Indebl.dnas.. II Lander hOlds any proceeds allel paymenl In lull ollhe Indeblsdnass, such proc..d. shall
be paid 10 Granlor.
Unexpired Inaurence II Sela. Any une,pired Insurlnce .halllnura 10 Ihe benatil 01. and pass Jo, Ihe purchaser ollha Property coverod by Ihis
Mortg.ga al Iny Irusl.... sale or olner sale held und.r Ihe prOlll5l0nl ollhl' Mortgage. or al any loreclosur. sele 01 luch Property.
EXPENDITURES BY LENDER. II Granlor lails 10 comply w,lh eny provi,'on ollhls Mortgag.. or II any action or proceeding IS commenced Ihal would
malerlelly alleel L.nder's inleresls In Ihe Property. Lender on Granlor'. bahall mey, bul shall nol ba raqulled 10. laka Iny achon Ihal Lander dlaml
epproprlale. Any Imounllhal Lender .,pends In 10 dOing will bear Inlere.1 al Ihe rela Charged under Iha Nola ~om Iha dala Incurrad or plld by
Llndar 10 Ihe dala 01 repaymenl by Granlor. All such a'penses. al Lander's oplion. will (a) bl payable on demand. (b) ba Iddld 10 Ihl balance of Ihl
Nole end be IPportionad among and be peyable wllh any Inslallmenl paymenls 10 beeo",a due duhng ellhar (I) Ine lerm of any applicable Insurlnce
policy or (II) Ihe ramalnlng lerm 01 Iha Nole, or (c) be "eeled a. a balloon paymenl which will be dua and payabla al Ihe Nole'. maluhly. TluS
Mortgega al.o will .eeule peymanl ollnese emounls. The lights provided lor In IhlS paragraph shall be In addlhon 10lny olher hghts or .ny ramed'"
10 WhICh Lender may be enhlled on accounl ollhe delaull. Any .uch achon by Lander shell nol be conslrued as curing Ihe delaull '0 as 10 bar Landlr
liom Uly remedy lI\al ~ cllVl/W"a would have had.
WARRANTY; DEFENSE OF TITl.E. The lollowlng provi.ions relaling 10 owne"hip 01 Ihe Property are a part of IhlS Mongage.
Tille. Granlor werranls Ihal: (a) Granlor holds good and marketable Iille 01 record 10 Ihe Property In Ie. simple. Irae and clllr 01 III liens and
encumbrance. olher Ihar, those sellonh In Ihe Real Propeny de.cllpllon or In any hila in.uranca policy, hlle repon. or tinll \il11 opinion Issued In
lavor 01. and accepled by, Lender in conneclion wllh Ihls Mortgage. and (b) Granlor haslhe lull IIghl. pow.r. and aulhohly 10 e,eeule Ind deliver
thiS Mor1gagB to Lender.
Delen.. 01 Tille. Subjecllo Ihe e'ceplion In Ina paragraph abo,e, Granlor warranl. and will lorever deland Ihe lille 10 Ihe Property again.' Ihe
Ilwlul claims 01 all pe"ons. In Ine evonl any aclion or proceeding is commencld Ihal que.lion. Granlor's hlle or Ina Inl.resl 01 Lender under thiS
Mortgage, Granlor ,hili del.nd Ihe aclion al Granlor's .,pen.e. Granlor may be Iha nomlnel party In such proceading. bul Lender shall be
enlllled 10 panlclpal. In Ihe proceedlnS and 10 be represenled In Ihe proceeding by coun.el 01 L.nd.r', own chOice. and Granlor will deliver, or
cause 10 be delivered. 10 Lender such instruments IS Lender may request from lime 10 lime to permit such particlpBllon.
Compllenc. Wllh Lewa. Granlor warranl, Ihal Ihe Property and Granlor', use 01 Ihe Property complies w,lh all e.IShng applicabla law..
ordinances, and "Qulalian, 01 governmental BulhorlllBs.
CONDEMNATION. The follOWing provisions relaling 10 condemnation of the Property BrB 8 part ollhlS Mortgage.
Appllcellon 01 Ne' Proceeds. II ell or any part 01 Ihe Prop.rty I. condemned by emlnenl domain proceedings or by any proceeding or purcha..
In lieu 01 cond.mnalion. Land.r may alII. oleclion require Inal all or any port,on ollhe nel proceed. 01 Ihl award be applied 10 Ihe Indebledn.ss
or tne repall or r..loralion 01 Ihe Property. The nel proceedS ollhe .ward shall mean Ih. award aller paymenl 01 all eclual co,ls, e'pense.. Ind
allorneys' lees incurred by Lender In connechon With the condemnatlon.
proce.dlngs. II eny proc..dlhg In cond.mnalion IS liled. Granlor .hall promplly nolily Lend.r In Willing. end Grenlor snail promplly lak. suCh
slep. IS may be necessary 10 delend Ine acllon and oblaln Ihe award. Grantor may be Ih. nominal party In such proc..dlng. bul L.nder shall be
.nllll.d 10 panlclpala In Ine proceeding and 10 be repre.enl.d ,n Ihe proceedlrg by coun.el ollis own chOice, Ind Grlnlor Will deliver or cause 10
be delwered 10 Lender such instruments a5 may be ,equesled by il from time to lIme 10 permit such partiCipation.
IMPOSITION OF TAXES. FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. Tne lollowlng proVl"ons r.lahng 10 gov.'nm.nlalla.... lee,
and charges are a part 0111'115 Mortgage:
Curr.nl Ta'... Fe.. end Ch.rg... Upon reque.1 by Land.r. Gr.nlor .hall e,ecute .uch docum.nl' In eddlhon 10 InlS Mortgagl end la.e
wnal.,.r oln.r ecllon IS requ..led by L.nd.r 10 parl.cl and conhnuB Lander'. hen on Ih. R.al Prop.ny. Gr.ntor shall r.lmbu"e Llnd.r lor an
taxes. as descnbed below,logelner wllh III expenses Incurred in recording. per1ecllng or conbnu1ng lhlS.M.Pc1gi~Q..JQ~Udlng wlll'Ioul hmltahon all
la'es. I.... docum.nlary .tamp.. and olher charges lor 'ecordlng or reg'Slellng InlS Mo"gage. bOOtl ~'l PACE 180
Taxes. Tn. lOll OWing ,nan conshlul. la,e, 10 which lhiS ,.chon e~pli.S: (a) a speelhc la' upon In" lyP. of Mortgage or upon an or any part 01
MORTGAGE
(Continued)
Page 4
lhe Inde~ledneS$ .ecu,ed ~y Ihi. Mortgege; (~) e .pec"'c lax on Grenlor whiCh Grent'" Is eulhonzod or required 10 deducl ~om peymenls on Ihe
tnde~ledne.. .ecured ~y Ihi. Iype 01 Mortgege; (c) e lax on this type 01 Mortgage chargeable agalnsl the Lender or Ihe holder 01 Ihe Nole; Ind
(d) a specillc tax on aU Of any portIon 01 IheIndebledn855 Of on paymenls Dr pnncipal and Inlerest made by Granlor.
Subeequenl Taxll. 1\ any lax 10 which IhlS .ecllon a~pl/es i. enacled .u~.aquenl 10 Ihe dale ollhi. Mortgage, this event .hlll heve lhe lime
,Heel IS an Event of Oelaulllas defined below). and Lender may exerCIse any or all 01 lis available r.mldl,slor an Event of Oelault IS provided
below unle.. Grlnter eilhlr (I) pays Ihe tax belore " becomes del/nquonl. or (b) conlo.1S lhe lax es prOVided ebove In Ihe Toxe. Ind Liens
section :and deposits wilh Lende' cash or a sufficient corporale surety bond or other security satisfactory to Lende,.
SECURITY AGREEMENT; FINANCING STATEMENTS. Tho lollowlng prOVISions rolallng 10 Ihis Mortgago IS I security Igreemanl Ira I part ollhls
Mortgage.
Security Agreemenl. This Instrum.nt shall conslilule a security agreemenllo the extent Bny of the Property conslllules fiJdures or other personal
property, and Lender shall have all oltha rights 01 8 secured party under the Uniform Commercial Code IS amended from lime to lim..
Security Intllre.1. Upon requasl by Lender, Granter shallexeeule financing statements and take whalever olher action is requesled by Lend.r to
plrtecl and conllnul Lender's .ocunty Inleresl In Ihe Renls and porsonal Proporty. In Iddlllon 10 rocording Ihis Mortgage In lhe real property
recordS, Lender mlY, at any time and without further 8ulhorlzalion from Grantor, file execuled counlerparts, copies or reproducllons of this
MortgagB IS . flnanclng slatement. Grantor shall reimburse Lender ror all expenses Incurrod In perlecllno or conllnulng this security Interest.
Upon deraull, Grantor shall."emble Ihe Personal Property In a manner and ala place reasonably convenient 10 Grantor and Lender and make II
lvallable to Lender wilhln Ihree (3) days after receipt 01 wrillen demand trom Lender.
Addrossoo. Tha mailing Iddrossos 01 Granlor (deblor) and Londar (sacured party), Irom which Inlormallon concarning Ihe .acurtly Inleresl
granted by this Mortgage may be oblalned (each 8S required by Ihe Uniform Commercial Code), are as staled on the first page of this Mortoag..
FURTHER ASSURANCES; ATTORNEY-IN-FaCT. The lollowlng provisions ralallng 10 further ..surenco. and allornay-In-Iacl Ire I pari ollhl.
Mortgaga.
Further AssuranCII. At any lime, and from lime to Ume, upon requesl 01 Lender, Grantor will make, execute and deliver, or will cause to be
made, executed or delivered, to lender or 10 Lender's designee, and when requested by Lender, cause to be filed, recorded, refilBd, or
rerecorded, as the case may be, al such times and in such oltlces and places as Lender may deem approprlale, any and all such mortgages,
deeds of trust, security deeds, securily alJreements, financing slatemenls, continuation statements, Inslruments ollurther assurance, certllicales,
end other documents as may, In the sole cplnlon 01 Lender, be necessary or desIrable In order 10 effectuate, complete, perlecl, continue, or
prosorvo (a) Iho obligalions 01 Granlor undor Ihe Nolo. Ihls Mortgago. and Iho Relalod Documonts. Ind (b) Ihe lions Ind .ecurtly Inleresls
crealed by this Mor1gage as first and prior hens on the Property, whelher now owned or hereafter ecqulred by Grantor. Unless prohibited by law
or aQreed to Ihe contrary by Lender In wrillng. Grantor shall reimburse Lender t,orall tosts and expenses incurfed In connection wllh the mailers
relerred to In this paregraph.
Attorney-In-Fact. II Granlor fails 10 do any 01 the things relerred to In the gr~ceding paragraph, Lender may do so for and In the name 01
Grantor and at Granlor's expense. For such purposes, Granlor hereby Irrevoca!lly appoints Lender. as Granlor's allorney-ln-fact for the purpose
01 maklno. 8xecullno, dehvering, filing, recording. and doing all other things IS may be necessary or desirablo, In Lender's S~8 opinion, to
accomplish Ihe matters relerred to In the preceding paragraph. ~
FlA.L PERFORMANCE. 1\ Granlor pays alllhe Indoblednos' whon duo. and olhorwlse porlorms all Ihe obligalions Imposod upon Granlor undar Ihl.
Mortgage, Lender shall ekecule and deliver to Grantor a suitable satislaction 01 this Mortgagp and sullable statements 01 termination or any linanclng
.Iolemenl on lrIe evidenCing Londor's .ocurity 1nloro.lln Iho Renls and Iho Porsonal Property. Granlor will pay. il po,mlllad by applicable Ilw. any
reasonable termination lee as delermined by Lender from time 10 lime.
OEFAULT. Each 01 Iholollowlng. allhe oplion 01 Lendor. shall conslllulo an ovant 01 dofaull ("Evenl 01 Oefaull') undor Ihis Mortgaga:
Default on Indebtedne... Failure 01 Granlor to make any paymenl when due on~he Indebtedness.
oerault on Other Payments, Failure 01 Granlor within Ihe tIme reQUired by Ihls Mortgage to make any payment for taxes or Insurance, or any
other payment necessary to prevenlliling of or 10 otlecl discharge at any hen,
Compliance Cefaull. Failure to comply with any 01 her lerm. obligation, covenant or condition contained In this Mortgage, the Nole or In any 01 the
Relaled Documents.
False Statements. Any warranty. representation or statement made or lurniShed to Lender by or on behalf of Granlor under this Mor1gege, the
Nole or the Relaled Documenls IS false or misleading In any malerial respect, eilher now or althe time made or furnished.
Dealh or Insolvency. The dealh 01 Grantor, tho insolv9ncy of Granlor, the ~ppojnlment of a receiver lor any part 01 Grantor's property, any
assignment for the benellt 01 creditors, any type 01 creditor workout, or the commencement 01 any proceeding under any bankruptcy or Insolvency
laws by or againsl Granlor.
Foreclosure, Forfeiture. elc. Commencement of foreclosure or lorfeiture proceedings, whether by judicial proceeding, sell-help, repossession or
any other method. by any creditor 01 Granlor or by any governmenlal agency against any of the Property. However, this subsection shall nol apply
In the event 01 a good failh dispute by Granlor as 10 Ihe validlly or reasonableness elthe claim which Is the basis of the foreclosuro or foreleilure
proceedIng, prOVided thai Granlor gives Lender wrlllen nollce of such claim and lurnishes reserves or a surely bond for Ihe claim satisfactory to
Lender.
Breach of Olher Agreement. Any breach by Grantor under the terms of any olher agreemenl between Granlor end Lender Ihatls not remedied
wllhln any grace period prOVided Iherein, includlOg withoullimilatlon any agreement concerning Bny indebtedness or other obhgahon of Granlor 10
Lender, whelher eXlsllng now or later.
Evenls Aftecllng Guarantor. Any ollhe preceding events occurs wilh respect to any Guarantor of any of the Indebtedness or any Guarantor dies
or becomes incompelent, or revokes or dlspUles the validity aI, or Ilablhl}' under, any Guaranty of the Indebledness.
RIGHTS ANO REMEOIES ON OEFAUlT. Upon Iho occurrenco 01 any Evonl 01 Oalaunand alany limo Iho'eallor, Lende,. al ils opllon. may exercise
anyone or more 01 the follOWIng tlghls and remedies. in addihon to any other tights or remedies provided by law:
Accelerate Indebtedness. SubJeclto applicable law. Lender shalt have Ihe tight al ils option withoul nohce 10 Granlor 10 declare the enlire
Indebledness Immedlalely due and payable.
uce Remedlel. WIth respect 10 all or any part 01 the Personal Property. Lender shall have all the righls and remedies 01 a secured party under
Iho Unllorm Comma,clal Codo. . 80 1 ?7f PA [ 181
Collect Renls. Lender shall have the TIght, Without nollce 10 Grantor, 10 la~e possession of Ihe Property and coge~ ~p~erits. inC~Udlng amounls
pasl due and unpaid, and apply the net proceeds. over and above Lender's cas Is, ag8msl Ihe Indebledness. In fur1herance of thiS nght, Lender
may reQuire eny tenant or olher user 01 Ihe Property 10 make paymenls 01 renl or use fees dlreclly 10 Lender. If the Renls 8rB collected by Lender,
MORTGAGE
(Continued)
Page 5
then Grlnlcr irrevocably deslgnale. Lender IS Granlor's attorney-in-Iacl 10 endorse inslrumenls received in payment thereof In the name of
Grlnlor and to negotilll the ..me Ind collect !he proceeds. Plymenls by Ilnanls or olher use", to lender In response 10 lendlr's demand shell
aotlsty the obligations for whiCh Ihl payments ar. made. whether or nol In>, proper grounds 'Dr the demand ..isted. Lend" may I.BretH Its
nghls under this subparagraph 811her In person. by agent, or through I reCIIVlr.
Appolnl Receiver. lender shill hlVllhl rig hi to hlVI a recllver Ippolnlld to 1e~1 possession 01111 or Iny part 01 the Property, wilh lhe power to
prolect and pr..lrva lhe Proplrty. 10 operell thl Property prlClding loreclosure or sail, Ind to collect thl Renls hom lhe Proplrty and Ipply tho
procHds, over and above thl cost of the receivership. loalnst the Indeblednlss. TM recetVlr may HIVe wllhcut bond II permitted by lIw.
lander's right 10 thl Ippoinlmlnt 01 a receiver shell Ixlst whelher or no! Ihe Ipparent value 01 lhe Propert( Ixceeds the Indebledness by a
substantial amount. Employment by Lender shall ncl disqualify I person from serving as I receiver.
Judlclel Foreclolure. Llndlr mlY obtain I judiclll decree lo'ecloslng Grlnlor'slnleres! in all or Iny part ollhe Property.
Nonjudicial Slle. "permlllld by applicablllaw, Lander may loreclosl Granlor's Inllreslln III or in any part ollhe Personal Proplrty or thl Real
Property by nonjudicill llle.
Dellcllncy JUdgmant. Llndlr mlY oblaln a Judgmenl lor Iny deficiency rlmalnlng In Ihl IndeblednlSS due 10 Lender llier eppllcltion 01 an
amounls received hom Ihe exlrcise ollhe rights provtded In Ihls secllon.
Tenancy I' SutterancI. It Granlor femalns In possession of lhe Property afte, the Property Is :sold as provided aboye or Lender olh81WlH
becomes enUlIed to possession ollhe Property upon default of Granlor, Granlor Shall become a tenant al sufferance of Lender or Ihe purchaser 01
the Property Ind shall. al Llndlr's opllon, allher (a) pey a reasonabll renlallor Ihl use of Ihe Property, or (b) vacale thl Property Immedlelaly
upon the demand 01 Lender.
Olher Remedl... Linder Ihall have all other rights and rem.din provided In I~jl Mortgage or Ihe Note or available at law or In equity.
Sala 01 tha Properly. To Ihe extent permlllld by applicable law. Granlor hereby walVIS any and all rlghllo have Ihe property marshellld. In
exercising lis rlghls Ind remadlls. Lender shall be Iree to sell all or eny part 01 Ihe Proplrty togelher or separallly. In one sailor by separela
sales. Llndlr shall bl entilled 10 bid allny public sale on all or any portion 01 the Property. .
Nollca 01 Sale. Lender shall give Granlor reasoneble nollcl 01 thl time and placl 01 eny ""bllc sala ollhe PI..onal Proplrty or ollhe lima alilr
which eny prlvale sailor olhlr Inlendld disposition 01 Ihe Personal Proplrly is to. be made. Unless 'olherwise required by eppllcable law.
reasonable nollce shall mean nolicl gIVen It leosllln (10) da... belorl Ihetime ollhe sailor disposition.
Waiver, Elecllon 01 Remedlll. A waivlr by any party 01 a breach of I provtslqn of Inls Mortgage Shall nol conslllute a waiver 01 or prljudlce thl
party's rights olhlrwlse 10 demand slrlcl compliance wllh Ihal provtslon or any olher provtslon. Elecllon by Lendlr to pursue any remedy shell nol
exclude pursull 01 any olher remldy. and an ellction 10 make expend'lures or I~kl action 10 pI(forn( In obllglllon 01 GraWor under Ihls Mortgege
alier lellure 01 Granlor 10 plrtorm shell nolaHecl Lender's rig hi 10 declare a dllaulland ...,clsells remsdllS under this MOf1gage.
Attorneys' Fe..; Expenses. If Lender I"sutulss any suit or aellon 10 enforce allY of the lerms of this Mort[\sge. Lender shall be entitled to r&Cover
such sum as lhe court may adjudge reasonable as attorneys' fees al Irial and on any appeal. Whether or not any court Iclion Is Involved, all
reasonable expenses Incurred by Lender thai In Lender's opinion are necessary al any lime for the prole~Uon 01115 Inlerest Q( lhe enforcement 01
lis rlghls sheil become a part 01 the Indebledness pay"ble on demand Ind shell blar Inlerlst Irom Ihe de" 01 expendllure unlll repaid al the rate
provided for In 1he Nole. Expenses covered by this paragraph Include. wllhout Iimitallon. however lubJectto any limits under applicable law.
Lender's allornays' fees and Lender's legsl expenses whether or nol there Is a lawsull. Including ellornays' fees for bankruptcy proceedings
(Including efforts to modify or vacale any automatic stay or Injunellon), appeals and any anticipated posl-Iudgment collection services, lhe cost 01
searching records, obtaining tllle reports (Including foreclosure reports), surveyors' reports, and appraisal fees, and tille Insurance, to the extent
permUted by Ippllcable law. Granlor al~o will pay any court cosls. In addition 10 all olhlr sums provtded by law.
NOTICES TO GRlJaOR.AND OTHER PARTIES. Unless olhlrwlse provldecl by;applicBllle ,IIW. any notic..~nd81lhl~ Mortglge shall be In wrlllng.
may be be senl by telefacslmille, and shan be effeclive when acluallv delivered. or when deposiled with a nalionally recognized overnight courier, or, If
mailed. shall be deemed eHecllve when deposited In the United Slales mail IlISt class. reglslered mall, ,poslage prepaid. directed to the addresses
shown near the beginning of this Mortgage. Any party may change lis address for notices under this Mortgage by giving lormal.wrillen nolice to the
olher partIes. specifying that the purpose 01 the nolice is to change the party's address. All copies at nolices 01 foreclosure from Ihe holder 01 any lien
which has priority over 'hiS Mortgage shall be senl to Lender's address, as shown near the beginning of this Mortgage. For nolice purposes, Granlor
agrees to keep Lender informed at all limes of Granlor's currenl address.
MISCElLANEOUS PROVISIONS. The lOll owing mlsclllaneous provisions a'" e part of Ihls Morlglge:
Amendments. This Mortgage, logether with any Related Documents, conslilulqs the enlire understanding and agreement 01 the parties as to the
matters sel lorth in this Mortgage. No alteralion of or amendment to this Mortgage shall be alleclive unless given In writing and signed b~ the
party Dr parties soughl to be charged or bound by Ihe alteration or amendmenl.
Applicable Law. This Mortgogl hos been dlllvared 10 lender and Icclpled by lend or In tha Commonweallh 01 Pennsylvania. Thll
Morlglge ahall be govlrnld by and conatruad In accordance wllh tha taws pllhl Common,!,aallh 01 Pennlylvanla.
Caption Headings. Caption headings in Ihls Mortgage are for con....enience purposes only and are nol 10 be used to inlerpret or define the
provisions of this Mortgage.
Merger. There shall be no merger or the inlerest or eslale created by Ihis Mortgage with any other interest or estate In Ihe Property at any lime
held by or lor Ihe benefit 01 Lender in any capacily. wilhoutlha wrillen r:onsenl 01 Lender.
Multiple Parties. All obligations of Granlor under this Mortgage shall be Joint and several, and all referen!..8S 10 Granlor shall mean each and
every Granlor. This means that each 01 Ihe parsons signing below is responSible lor all obhgatlons In this Mortgage.
Severability. If a court 01 compelent JUrisdiction finds any provision or IhlS Mortgage 10 be invalid or unenlorceable 8S 10 any person Of
circumstance, such hnding shall nol render that provision Invalid or unenforceable as 10 any other pe~ons or circumstances. If feasible, any such
ollending provisIon shall be deemed to be modified 10 be within the limits of enforceabillly or validity; howe....er. II Ihe eHend,"g provision cannot bl
se modilled, II shall be stncken and 811 olher provisions of this Mortgage In all other respects shall remain valid and enforceable.
Successors and Assigns. Subject te Ihe Ilmltalions slated in thiS Mortgage on Iransfer 01 Grantor's .nterest, thIS Mortgage shall be binding upon
and inure 10 Il'Ie benellt 01 Ihe parties, their heirs, personal represenlahves, successors and assigns. II ownership 01 the Property becomes .....sled
In 8 person olher Ihan Granlor, Lender, wilhout ncllcs to Granlcr, may deal wilh Granlor's succ(,$sors with relerence 10 Ihls Mor1gage and the
Indebtedness by way of forbearance or e-.tension withoul releasing Granlor Irom the obhgal1onS of 11'115 Mortgage or lIabihty under the
Indebtedness.
Time Is 01 the Essence. TIme IS ollhe essence In the performance ollhlS MOr1gage.
BoliK 1271 PACE
182
EXHIBIT A
. .
, .
PrincipII loin Olte Mlturlty
'90 000.00 07-10-2020
R,I.-Incas in lhe shaded area are tOf linder's use onl
Account
articular lOIn 01 111m.
Borrowlr: G/lgory G. Rlr.
Robin L. Rile
1034 YOf1c Roell
Olll_,g, PA 1701'
Lender: Flnancl.. Trul' Company
Dlllabu,g Ollie.
Or:a Will High 81'HI
Carll"., PA 17013
Thll Exhlbll A II allachlld \0 and by Ihll ..r./lnc. II IUdI . pari 01 .ach DaIId 01 Trull 0' Morlgaga, dallld July 10, liil. and sueulad III
connlcllon with 110<<1 0' olhl' flnanclllaccommodallon. INlwlln Flnancl,' Trull Company Ind G/lgory G. RII. ond Robin L. RI"'.
BEGINNING at a point ai or near the center line of State Road 0074, at the
comer of lands now or fonnerly of the Grantors herein, more specifically
designated as Lot No.2 on the hereinafter mentioned survey; thence by
lands of the Grantors herein and as designated as Lot ~0..2 on the (
hereinafter mentioned survey and through an iron pin set ~ack 20 feet from
the initial reference point, North 35 degrees 4 minutes ,54 seconds Fast, 12C
feet to an iron pin along line of lands now or fonnerly p( th!= Grantors
herein and designated as Lot No.2 on the hereinafter mentioned' survey;
thence continuing by same, North 58 degrees 48 minutes. p secon~s East,
239.28 feet to an iron pin along line oflands now or formerly o( Crossroads
Bible Church of Monroe Township, Inc.; thence contill~g by lands of
Crossroads Bible Church of Monroe Township, Inc., ~ou.~ ~4 Aegrees 55
minutes 06 seconds East, 178.74 feet to a proposed co~a:ete monument at ..
comer oflands now or fonnerly of the Crossroads Bible, Church of Monroe
Township, Inc.; thence continuing by said same lands and through.an iron
pin set back 20 feet from the end of this course, South 35. degrees 4 minutes
54.seconds West, 339.07 feet to a point at or near the eenlel:linc,ofSt;lte' "
Road 0074; thence continuing by or near the center lin!= of State Road 0074,
North 54 degrees 55 minutes 06 seconds West, 275 feet to a point at or near
the center line of State Road 0074 at comer oflands now or fonnerIy of the
Grantors herein, also designated as Lot No.2 on the hereinafter mentioned
survey, the place of BEGINNING. COJ".'T AlNING 2.03 Acres.
:~H: EX=IB~~~A IS EXECUTED ON JULY 10, UII.
(SEAL) x~: .- ~~\
x G~~. i. "RO~~
.'., . '. ... '"
LENDER: -',
~/~ ~~ ~ BoOK127;'~AG~ 184
1Iltf~ldOfllcl~ ~
(8EALI
LASER PAO, Rag. U.S. Pal.' r,M. Oil.. V.r. 3.20Ic)HI~~ CFt Pl'oSer'fCII, Inc. "Ilnghl.,...p~.d, IPA-OeO RIFE,lNA;U,O\lll
PROMISSORY NOTE
Principal
90 000.00
Lolln DlIte Maturity LOlln No
07-10-2020
Account
Inllla/.
R.ferences In Ihe shlded ."8 .,. forlande,'s us. onl
Borrower: Gregory G. RII.
RObin L. RII.
1034 YOrlc Road
Dllllburg. PA 17018
Lender: Fln.nclal Trusl Company
Dllllburg Olllc.
On. Wesl High Slre.1
Carllll., PA 17013
Principal Amount: 590.000.00 Dale 01 Note: July 10, 1995
PROMISE TO PAY. I proml.. 10 pay 10 Fln.nclal Trusl Company ("L.nd.r"). or ord... In lawlul mon.y 01 Ih. Unll.d Slales 01 Am.rtca. Ih.
prlnclp.1 amounlol Hln.ty Thou..nd & 00/100 Dolla.. (UO,OOO.OO). logelh.. wllh Inl..esl on Ihe unpeld principal b,'.nc. Irom July 10. lU85.
until p.'d In lull. Th. Inl...., r.l. will nollncr.... .bov. 10.500"".
PAYMEHT. Subl.cllo .ny p.ym.nl ch.nges resulllng Irom ch.nges In Ih. Index. I will p,y thl,'o.n In accord.nc. wllh Ih. lollowlng paym.nl
ach.dul.:
12 conl8Cullve monlhly principII and Inl..e.1 paym.nl. 01 5a8U3 each. b.glnnlng AuguII 10. 1911, wllh Inl....,
c,'cul.l.d on Ih. unpaid principal balances .1 an In'.re., r.l. 01 a.ooo,," per annum; .nd 2a. conaacullv. monthly principII
and Inl..esl paym.nl. In Ih. Inlllll .mounl 01 5751.40 .ach. beginning AuguII 10. 18ge. wllh Inlerell c,'cul.led on Ihe
unpaid prlnclp.' bal.nces .1 .n Inl..esl rale 01 3.500 percenl.ge pOlnl1 OV" Ihe Index described below. My IInal paymenl
will be due on JUly 10, 20ao .nd. Will be lor .11 prlnclp.1 and accru.d Inleresl nol yel p.'d, logelher Wllh any olher unpaid
amounl. und.. Ihls Hole.
I will pay Lender al Lende,'s addr.ss shown above or al such other place as Lender may designale In wrlling. Unless olheIWis8 agreed or ,equired by
applicable law. payments will be applied "'51 10 accrued unpaid Inlerest, Ihen 10 principal, and Bny remaining amount to any unpaid collection cosls
.nd 1.le Chlrg.l.
VARIABLE INTEREST RATE. Th.lnl.resl ral. on Ihls Nole is subjecllo change Irom lime 10 11m. based on changes In an Ind.x which Islh. Monlhly
average 01 weekly average aucllon rales on United SIal8s Treasury Bills wllh a malurity of six months. (lhe 'ndex"). Your Inlerest rala will not Increase
or decreaself a change In Ihe Index Is less than one-quarter percentage poinl on any change dale. lendel will fell me Ihe currenllndex rale upon my
request. I undersland that lender may make loans based on olher rates as well. The Inleresl rale changa will nol occur mora onen than each year.
The Index currenlly I. uao,," per annum. The Inleresl rale or ralel 10 be applied 10 the unp.ld principal balance 01 Ihls Nole will be Ihe rale
or ralea III lorth above In Ihe "P.ymenl" IIcllon. HOlwllhsl.ndlng eny olher pro.'llon 01 thll Hole, Ihe vertable Interesl rale or rales
provided lor In Ihls Hole will be aub/ecl 10 Ihe lollowlng maximum rale. NOTICE: Under no clrcumslanc.. wllllh. Inlerasl rale on Ihls Nol. ba
m",. than Ihe I....r 0' 10.500"" p.r annum or Ihe maximum ral. allowad by applicable law. NOlwllhslandlng Ih. above provisions. tho max/mum
Increase or decrease In the Inlerest rale at anyone time on this loan will not exceed 2.000 percenlage poinls. Unless wllved by Linde" any
Inera...ln Ihe Inleresl ..Ie wllllncree.. Ih. emounll 01 my paymenll.
PREPAYMEHT. lagr.. Ihalallloan Ie.. snd Olh.r pr.pald financ. charg.. er. earned lullyas 01 Ihe dal. 01 th. loan and will nol b. subjecl to r.'und
upon early payment (whether voluntary or 8S 8 resull or deraull), excepl as otherwise requIred by law. Except ror the roregolng, I may pay withoul
p.nalty all or a portion ollh. amounl oW.d earlier Ihan It Is du.. Early paymenls will nol. unl.ss agr..d 10 by L.nder In wrlllng. roll.v. m. 0' my
obllgallon to conllnu. 10 make paymenls under Ih6 payrnenl schedul.. Ralher. Ih.y will r.d""e Ihe principal balance duo and mey r.sullln m. making
rewer payments.
LATE CHARGE. lIa paymenlls 15 daYI or mor.'ele.1 Will b. charged 5.000"" 01 Ihe regularly scheduled paymenl.
DEFAlA.T. I will b. In delaullllany olth. lollowlng happans: (a) I lall 10 make sny paym.nl when du.. (b) I break any promise I have mad. 10
lender, or I fall to comply wUh or 10 perlorm when due any other term, obligation, coyenant, or condlllon contained In this Note or any agreemenl
related 10 this Note, or in any olher agreement or loan I have with Lender. (c) Any representatIon or slalemant made or furnished to lender by me Of
on my behallls lalse or mlslaadlng In any malenal respecl ellher now or allh. 11m. made", lurnlshed. (d) I dl. '" become Insolv.nl. a receiver Is
appoinled ror any part or my property, I maka an assignment ror the benefit 0' credItors, or any proceecJlng is commenced eilher by me or against me
under any bankruplcy or Insolv.ncy laws. (.) Any credllor Irlas 10 lak. any 01 my property on or In which L.nder has a lien", security Inl.rosl. This
Includes a garnlshmanl of any of my accounls wllh L.nder. II) Any ollh. evenls dascnbed In Ihls de'aull secllon occurs wllh respecl 10 any guaranlor
0' Ihls Nol..
LENDER'S RIGHTS. Upon d.laull, Lender may, e"ar giving such nolices as requlrad by applicab'.'aw. declar.,h. .nllr. unpaid principal balanc. on
Ihis Nol. and sll .cerued unpaid Inler.sllmm.dlalely du.. and Ihen I will pay Ihal amount. Lander may Nr. or pay som.one oIse 10 h.,p collocllhls
Nole jf I do nol pay. I 81so wlU pay Lender thai amounl. This includes, sUbJecllo any Ilmils under applicable Jaw, Lender's attorneys' 'ees and Lender's
legal expenses whelher or nolther. is a lawsuit, Includmg aUornevs' 'ees and legal expenses ror bankruptcy proceedings (Including ."orts 10 modity or
vecal. any aulomallc slay 0< Injuncllon). app.els, and any anliclpal.d posl-judgment colleclion se/vlces. II nol prohlbll.d by appllcabl.law. I also will
pay any court cosls. In addlllon 10 all olher sums provldad by law. II Judgmenlls .nlered In conneclion wllh Ihls Nol., Inler..' will conllnu. 10 eceru.
on Ihls Nol. a"er judgm.nl allh.'nl.resl rei. applicabl. 10 Ihls Nole ellh. 11m. judgmenlls onler.d. Thla Hol. h.1 been delivered 10 Lender and
ICcepled by Lender In Ihe Commonweallh 01 Pennsylvania. II Ihere II a lawlull. I agree upon Lender'l requesllo Illbmltlo Ihelurtsdlctlon 01
Iha COUrtl 01 Cumberl.nd County. Ihe Commonweallh 01 Pennsylvania Thla Hole shell be governed by .nd construed In accord.nce wllh Ihe
lawa 01 Ihe Commonwealth 01 Pennaylvanla.
RIGHT OF SETOFF. I grent 10 Londor e conlraclual possassory security Inlereslln. end h.reby ..sign, convey. d.llv.r. pledg., and transler 10 Landar
aU my right, tills and Inlerest In and la, my accounls with lender (whether checking, savings, or lame other account), including wllhoulllmila!ion all
accounls held Jointly wllh someone else and all accounls I may open In Ihe IUlure, excluding however all IRA, Keogh, and Irust accounts. I aulhonze
lender, 10 the extenl permuted by applicable law, 10 charge or seloff all sums owing on thIs Nole againsl any and all such accounts.
COUATERAL. This Nol. Is secured by a Mortgage dalod July 10. 1995.10 Lend.r on real properly localed In Cumb.rland Counly, Commonweallh 01
Pennsylvania, alllhe terms and condHlons or which are hereby incorporated and made a part 01 Ihis Nolo.
EXHIBIT
I 8
'.
Conllnonweollh or I'ennsylvunlu
CountYOr~~
On Ihis the/t:l!!" duy of . 1995, before me. u NOlnry Public, lhe
undersigned officer, personully car d Larry E. Elchelber~er and Beverly M.
Elchelber~er, husband and wife. known 10 me (or sutisfuclorily proven) 10 be lhe
person(s) whose name(s) subscribed 10 lhe wilhin inslrumenl, and ackllowledged lhallhey
execuled the same for lhe purpose therein conlained.
IN WITNESS WIIEREOF'. I huve hereualo . my ha
_Sool
~._PWo
Ilao,c.m.wd~
My . Eopwt~." ,..,
Certificate q( Re,/tlel/ce
I hereby certifylhunhe ~recis~ address of the granteer/lerein is: ,
IO~:i VtJ(l..t /<o,;,~ Ot t?;6c'l'd f~_(7C)t7
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"\"" NOTlC~_OF 1f\!!EN.T!9N.. Tq FORECLOSE MORTGAGE
.
,.
TO: Rn1li n I Pi f"
1(\1"':' Vf'lr'I! f1":;PI
:lill"llIIrg. P^ 17r.tn
Date of Notice _,SeD t .JL._-1i'..!2ii__
Loan No. ~Q2G~1
The MORTGAGE held by!drr:;(?rLlnl$.LGmJP.ilnY__LH~Hi~h Strr>(>t r."r1isl(.. p,' 17n11
(hereinafter we, us or ours) on your property located at 1 0~4 Y0rk Road
Dil1sburQ, PA. 17019
ISlN SER 10USDEFAU~T bNf.a~~e you have !Ipqr}ad~ (he mont,hly payments of,f 694.63 0
forthe months of ulIl) 1,.0 . .)/~I.U~}-Aug.1)96 ,and (~731.09)-,,"~llt. l~no
and/or because ...L.<1.t(LChilO~ in the> ,lnnllnt n f " pc; A 7
Late charges and other charges have also accrued to this date in the amount of . The' total
amount now. r,e,quir,ed to cure this default. or in other words, get caught up in your payments, as of the date of this
letter. is $ 2~_~..L . .
Vou may cure this default within THIRTV (301 DA YS of the date of this letter, by paying to us the above amount
of S -2~:";::~--_, plus any additional monthly payments and late charge which may fall due during this
period. Suth payment must be made either by cash, cashier's check, certified check or money order, and made at
F,a'n"I's TrHst r.n'1pilCL1-LU-lli.gI1-Str..1ot.-4"1-'i-s-~Ar-17013
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly Installments. If full payment of
the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the f'TIortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys. but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
$50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale et any time up to one hour befof'/J the Sheriff's foreclosure sale.
Vou may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under the mortgape. It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately DEe 199u . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the fo!lowing number:717-241-7759 . This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If you continue to live in the property after the Sheriff's sals, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRlfJR TO OR AT THE SALE, AND THAT THE OTHER RECUI RE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSUR
If you cure the default. tile mortgag
you are not entitled to this right to cur
EXHIBIT
lL
ame position as if no default had occurred. However,
hree times in any calendar year.
- A ~..
,', \ ,....
BY' p.J:'. ~J _ - "',l\.)j)r, ,\" ~
,~ .'. "lIr.~ll~:<J1 <CC':I',,; il"~r
If.'"
NH Il..v. ;' ~J H.l I....'.."
." -~.
'-
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
TO
~;ri~tl(lI"1 Ii. Ri fn
I Uj~ Yorl<l,:oM!
lll11 ',iJur!], I'A. 1701~i
Date of Notice SCP~., 11, 1996
Loan No. 300996~_
.
The MORTGAGE held by _r:,lrl1lp.r~_ Tru.st_~Qm{)<1nLnLJI~i <1h Street Carl isle. PA. 171111
(hereinafter we. us or ours) on your property located at 1034 ...'iJ2rLlloild
------______________m Di11~!llir.r.J. PA. 17019
IS IN SERIOUS DEFAULT because you have 1I0t made the monthly payments of $ 69<1.63
forthemonthsof Jill\' 10~2'1Cl ----_.l:.:Ut.Q!ll~iiu" lql1(, ,and ($7'1 ro)_c<;>pr Jr'!](;
andlorbecauseloltU-ChJr~_Qf_~1/~.47
Late charges and otar charges have also accrued to this date in the amount of ~ ,.. . The total
amount now requi~ed to cure this default. or in other words, get caught up in your payments, as of the date of this
letter, is S 2332.~!i . ,
You may cure this default with ill THIRTY (30) DA YS of the date of this lerrer, by paying to us the above amount
of $ .",;> ~f , plus any additional monthly payments and late charge which may fall due during this
period. Such payment must be made either by cash. cashier's check, certified check or money order, and made at
F.]!'"lers Trl.t l:nmpilQJ-l H. Hi gh C;trpl't r.ilrli <1 p. PA 17013
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of
the amount of default is not made within THI RTY (30) DAYS, we also intend to instruct our arrorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
550.00. However. if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over 550.00. Any attorney's fees will be added to whatever you owe us, which may also inclUde our
reasonable costs. If you cure the default wi:!lin the thirty day period, you will not be required to pay arrorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale.
You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due,
as well as the reasonable arrorney's fees and costs connected with the foreclosure sale and perform any other require-
ments under the mortgage. I t is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately DEe 1996 . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the fallowing number:717 -241-7Z5!L. This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. I f you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT. PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECL
EXHIBIT
I~
o the same positioll as if 110 default had occurred However.
than three times in any caiendar year.
B~'~f"\ C\ ~~_t-1J~S\n_-'__
,)ac!: '.'. 'ill ccili ~'Jn-(n 11\.cr i ('11 ,'j ii : "
If you cure the default. the,
you are not entitled to this right ,
...0"
NU-- HI'It. ~' " tl.J I........
"
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM.
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
30009621 Data: Sl'ptpmhp,' 11, I QQr,
RE: Account No.:
TO: Robin L. Rife 1034 York Road UillsburQ. PA. 17019
FROM: Farmers Trust Company 1 II. ~ligh Street Carlisle, PA_ 170n
You may be eligible lor Ilnanclal aulstance that will prevent loracloaure on your mortgage " you comply with the
provlslone 01 the Homeowners' Emergency Mortgage AlIlstance Act 011983 (the. Act"). You may be eligible for emergency
temporary aulstance " your default haa been caused by circumstances beyond your control, you have e reasonable
proepect 01 resuming your mortgsge payments, snd II you meet other eligibility requirements estsbllshed by the
Psnnsylvanla Hauling Finance Agency. Please read all of this Notice. It contains an ex plana lion of your rights.
Under the Act, you are enlllled to a temporary stay olloreclosure on your mortgage for thirty (30) days Irom the date 01 this
Nollce. During that lime you must arrange and attend a 'face-to.face' meellng with a representallve 01 this lender, or with a
designated consumer credit counseling agency. The purpose 01 this meeting Is to attempt to work out a repayment plan. or to
otherwise setlle your delinquency. This meellng must occur In the next thirty (30) days.
II you attend a face-to.lace meellng with thla lender, or with a consumer credit counseling agency Idenllfled In this nollce, no
further proceeding In mortgage foreclosure may take place for thirty (30) days aller the dale 01 this meellng.
The name. address and telephone number 01 our representallve Is:
Jack V,lIutchison
1 II. HIgh Street
CarlIsle, PR. 17013
Telephone Number: 717-241-77!J9
The name(s), addressees). and phone numbers of (a) designated consumer credit counseling agency(les) Is (are):
YIICfi
jUl li.:>trellt
l.arllSle, 1'/\, IIUIJ
It Is only necessary to schedule one face.to-face meellng. You should advise this lender Immediately 01 your Intenllons.
Your mortgage Is In delault because you have lalled to pay promplly Installments 01 principal and Interest. as required. lor a
period 01 at least sixty (60) days. The total amount 01 the delinquency Is $ ;>~1" ?f\ . That sum Includes
the lollowlng:
1 llollthl a 1:ICllt uf ~~G::4,113 (1II)IIthl', ),I'I:IOI1I.S uf :;,731 09 fur the Ilollt.hs of ~ st9!696
an September 1~%. .llld ate char'\]119 of :;17!.l,,17
Your mortgage Is also In defaull lor the lollowlng reasons:
II you have tried and are unable to resolve this problem at or aller your lace-to-Iace meellng. you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out. sign and
lIIe a completed Homeowners' Emergency Assistance Appllcallon with one 01 the designated consumer credit counseling agencies
listed above. An appllcallon for assistance may only be obtained Irom a consumer credit counseling egency. The consumer credll
counssllng egency will assist you In filling out your appllcallon B.nd will submit your completed appllcallon to the Pennsylvania
Housing Finance Agency. Your appllcallon must be flied or postmarked. within thirty (30) days of your face-to-face meellng.
Ills extremely important that you file your application promptly. If you do not do so, or if you do not follow the other time periods
sat forth in this tetter, foreclosure may proceed against your home immediately.
Available lunds (or emergency mortgage assistance ere very limited. They will be disbursed by the Agency under the eligibility
crllerla estebllshed by the Act.
Ills extremely Important that your appllcati,?" be accu~ate a~d complete In every respect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a deCision aller It receives your application. During Ihat additional time no foreclosure
proceedings will be pursued against you If you have met the time requirements set forth above. You will be notified dlrectiy by thet
Agency ollis decision un your appllcallon.
The Pennsylvania Housing Finance Agency Is located at 2101 North Front Street. Post Olflce Box 15530. Harrisburg, Pennsylvania
17105. Telephone No. (717) 780.3800 or 1.800.342-2397 (loll free number). Persons with Impaired hearing can call (717) 780-1869.
In addllion you may receive another notice from this lender under Act 6 of 1974. That notice is called the 'Notice of Intenllon to
Foreclosure'. You must read bolh notice.s, sl,!ce they both explain rights that you now have under Pennsylvania law. However. If
you choose to exercise your nghts descnbed In this notice. you cannot be foreclosed upon while you are receiving that assistance.
EXHIBIT Very truly yours.
r
I
- \. '\\ .' (
I.-~r...\ \J -v-"\~;:~O{\ ,J..,
.li1.1;. VLlllltciliSlJllcGlJllucJ..ioLLUw.c(~r
n be reached TOll FREE at 1 (800) 342.2397.
The Pennsylvania Hou
RE: Ac~ount No.:
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM.
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
___JUUU!lli2.L.___ __._.__________ Date: ...2tW tr:lllber 11, I (JIJ:i
--------...------..--
TO: Granory G.R1flLl034 York Ilo.1(j II illshllrg, EA~-tJOI9
FROM:Farmf!rs Iru.sLLlllJljlilnY 1 1-1 lllgll--St.tcct l'arl1s111, PA. HOD
You may be eligible lor financial elllslsnce that will prevent loreclosure on your mortgage II you comply with the
provlslona 01 the Homeowners' Emergency Mortgage AIIlstance Acl of 1983 (the "Act"). You may be eligible for emergency
temporary ..alalance If your default has been caused by circumstances beyond your control, you have a reaaonable
proapect of reaumlng your morlgage peyments, and II you meet other eligibility requlrementa eatabllshed by the
Pannsylvanla Housing Finance Agency. Plaase read all of thla Nollce. It contains an explanation of your rlghta.
Under the Act. you are enlllled to a temporary stay of forsclosure on your mortgage (or thirty (30) days from the date 01 this
Nollce. During that lime you must arrange and attend a 'face.to.face' meellng with a representallve of this lender, or with a
designated consumer credit counseling agency. The purpose of this meellng Is to attempt to work out a repayment plan. or to
otherwise eetlle your delinquency. This meellng must occur In the next thirty (30) days.
If you attend a face.to-face meellng wilh this lender. or wilh a consumer credit couneellng agency Identified In this nollce. no
further proceeding In mortgage foreclosure may take place for thirty (30) days aller the data of this meellng.
The name. address and telephone number of our represantallve Is:
Jack V, Ilu tell i son
1 U. lIiqll Stro(!t
Carlisle. 1',\. 17013
Telaphone NumberY'17-241- ,lr.9
The ~fl~,{'(s). address(es). and phone numbers of (a) designated consumer cradlt counseling agency(les) Is (are):
301 G, Srl'E!(![
1.c11'1Is1'J, ~'I\. IJulJ
It Is only nacassary to schedule one faca.to-face meellng. You should advise this lender Immediately of your Intantlons.
Your mortgage Is In default because you have failed to pay promplly Installments of principal and Interest, as required, for a
period of at least sixty (60) days. The total amount of the delinquency Ie $ 2332. 2U . ThaI sum Includee
tha following:
1 Ilolltlll n 1II0nl. of f,.(,'IIIJ,J ;: !iullLliI
illI ate c loll'!le~ 111 the ~1:IUI"lt or .:,l,S.n
'I'
,.
p~:(}.
Your mortgage Is also In default for the following reasons:
II you have tried end ere unable to resolve this problem at or aller your face.to.face meellng, you hava tha right to apply for
financial assistance from the Homeowne's' Emergency Mortgege Assistance Fund. In order to do this. you must fill out, sign and
lIIe a complated Homeowners' Emergency Assistance Appllcallon with one of tha designated consumer credit counseling agencies
listed above. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit
counseling agency will assist you In IIIl1ng out your appllcallon and will submit your completed appllcallon to the Pennsylvania
Housing Finance Agency. Your eppllcallon must be lIIed or postmarked, wilhln thirty (30) daye of your face.to-Iace meellng.
Ills extremely Important that you file your application promptly. If you do not do so. or If you do not (allow the othsr time periOdS
set forth In this lel/er, (orec/osure may proceed against your home immediately.
Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the ellglblllly
criteria established by the Act.
It Is extremely Imporlant that your appllcallon be accurate and complete In every respecl. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision efter it receives your application. During that addillonatlirne, no foreclosure
proceedings will be pursued against you II you have met the lime requirements set lorth above. You will be nollfled direclly by that
Agency 01 lis decision on your appllcellon.
The Pennsylvania Housing Finance Agency Is located at 2101 North Front Slreet, Post Office Box 15530. Harrisburg, P~nnsylvanla
17105. Telephone No. (717) 780-3800 or 1.800-342.2397 (loll Iree number). Persons wllh Impaired hearing can call (717) 780.1869.
In addlllon you may receive another nollce Irom this lender under Act 6 of 1974. That nolice Is called the 'Nolice of Inlenllon to
Foreclosure'. You must read bolh nOIl:es, since they bolh explain rights Ihat you now have under Pennsylvania law. However. II
you choose to exercise your rights described In thIS notice. you cannot be foretlosed upan while you are receiving that assistance.
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e reached TOll FREE at 1 (800) 342-2397.
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