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Home My WebLink About00-01008 L ",,-, ( KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : CIVIL ACTION - LAW ROBERT E. RIGNEY and WENDY L. RIGNEY, Defendants : IN MORTGAGE FORECLOSURE : CIVILTERM 1000- lOOP eod~~ NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITIllN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO 00 SO, THE CASE MAY PROCEED WITHOUT YOU AND A ruoGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 1 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 .,1 ""1 ( KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW ROBERT E. RIGNEY and WENDY L. RIGNEY, Defendants IN MORTGAGE FORECLOSURE CIVIL TERM 2000- I &ti Y ~ '-.LA.- COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., through its Attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage Foreclosure, of which the following is a statement: 1. Plaintiff is Keystone Financial Bank, N.A., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at P.O. Box 1384, Pottsville, PA., 17901. 2. Defendant, Robert E. Rigney, an adult individual, and Defendant, Wendy L. Rigney, an adult individual, are husband and wife, and reside at 207 N. 24th Street, Camp Hill, Cumberland County, Pennsylvania, 17011. 3. On or about April 20, 1998, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing Thirty-three Thousand and 00/100 Dollars ($33,000.00), a copy of said note and said real estate mortgage being attached hereto as Exhibits "A" and "B", respectively, and are incorporated herein by reference as though fully set forth. 4. Said note and said real estate mortgage have not been assigned. 5. Robert E. Rigney and Wendy L. Rigney, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue ofaDeed dated February 28,1994, and Wiiil ( recorded in the Cumberland County Recorder's Office in Deed Book 102, Page 397, more specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of September 1999, October 1999, November 1999, December 1999 and January 2000. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated December 23,1999, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 8. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated December 23, 1999, a copy of which is marked Exhibits "F" and "G", and a.ttached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of Thirty-six Thousand Three Hundred Fifty and 85/100 ($36,350.85) Dollars, with interest thereon at the rate of 9.50 percent (9.50 %) per annum computed from August 20,1999, along with late charges and attorneys fees now due and payable. 10. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $ 34,567.78 B. Late Charges 52.08 C. Attorney's CoUection fee 1,730.99 TOTAL: $ 36,350.85 I ~ """" , ~I -""."~~ WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff and to order the foreclosure and sale of the mortgaged property and for the amount of Thirty-six Thousand Three Hundred Fifty and 85/100 ($36,350.85) Dollars, together with interest thereon, costs and all other amounts advanced by Pl' . . am A. Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 = ._"~ ~~ ~~, VERIFICATION I, Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone Financial Bank, N.A, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made 8ubject to the penalties of 18 Pa. C. S. Section 4904 relating to unsworn falsification to authorities. ~/~ ck V. Hutchison Sr. Vice President Keystone Financial Bank, N.A J ,.-""" ~ ,~~~ ~ I 0'.-- , - "-.. d " .-I' ..,. ,"' '.... .. "r,;!~",,,,,,_~,~ :'.'''. : . ',' _ '. "-:,'. ~"'. ._...._. : _', ., ,'_ '., -_ -.-., . "r.-,r_ _ . ..",.', __,,!\,".'. "'_,' _ li'_~ Pennsvtvanla Natlonal~ Home !;qulty U"" Nota and Agreement Ban~ Date^ ~,. CJ!'(Jlml.lp!hllf3nk Account No. 27586240015 Authorited Credit Umit $ 33.000.00 ,., SEP"'RATE DISClOSURE STATEMENT. PAFlT ONE AND PAFlT TWO, HAS BEEN GIVEN TO THE BORROWER WITH. AND IS PART OF, THIS AGREEMENT THE DISCLOSURE STATEMENT. PART ONE AND PART TWO, AND THIS AGREEMENT SHOULD BE READ TOGETHER AS ONE DOCUMENT. As used in Ulis Agreement, the ,following deflnlUons apply: 'Borrower" means each person signing this Agreement as a Borrower. Indiviclually and, if mOfe than one Borrowtlr signs. all BotTOW8I'$. colIsctively -lender" means pennsy. vania Nat iona. Bank . and anypersonorinstltutionto~thSLenclerassignslsintetestinthisagreemllfll. 'MortgagedPropeny' means the reat estate locaIed at 2D7 N 24TH $T CAMP HILL PI 17011 upon which the Owtle!s have given !he Lender tI MorIgage to se-:urv paymsnt and perfomlance of Borrower's obligations under !hiS Agreement 'Owner" means each person Signing the Mortgage upon the MorI.gagetl Property, Indivi<iJalIy and. il more Ihan one 0wn9r signs. sll Owners. collectively. OneorrnoreOwfle<$IJItIy8JsobeBorrowers, 'Account' means Ihe revolving loan Account which is the subiect of this Agreemllfll. .Authorlred Credit limit. mEoans the lotal dollar amount of credit available 10 Borrower on the Account and is stated above. "TerminatiOn' of the Accoun-t means that Borrower wilt no longer be permltled to obtain IDans or ad~ances of credit on the AccounI. "BIII'ng Cycle" msans the inlerval between the dates each month when tha monthly billing statement is prepared. GENeRAL DESCRIPnON OF THe ACCOUNT. ThiS Account is a revolvmg (h) Borrower wiU noI sail, ghle or transfer ownership of the Mortgaged loan account, secured by a Mollgage on the Mortgaged Property Duringlhe Property oranyrlghtlherein,orpermilsuc:h sale. or lraOSfer. In whole or Draw, Phase, 6on'owet may obtain loans 01 the ACCOUnt in the ways in part. without Lender's prior wtilten consent. descnbed in the "Advances ol Credn. section on the DisclOwre (i) BOfTCIWet will not commit fraud or make any misrepresentaliYas in Statement-Part One, up to !toe Authorized Credit Umit loans wiU be added to connection with the Account any pnonal financial statements. the balance on the Acoxmt to be repaid by montllly payments. As !he apprais~. or other information provided to Lendel' during the term of tlalance on the Account is repaid. the credit will again be made a~ailabte to the Account, lhe Borrower. up to the A1.lthorlzed Credit Limit, Any balance remaining on (j) I3Qrrower anters into or is placed into b&'lkruptcy the ACCOunt al !he end ot !he Draw Phase will be repaid during the FEES AND CHARGES. Repaymefll Phase, blJI no IIJrIftaf loans will be made during the Repayment CLOSING COSTS. In order to open and maintain the Account, Borrower Phase ~ Draw Phase wlIJ begin after the Lencler notifies !he Borrower that must pay cefla/n lees and cllargas which are lamized in the DIsclosure the credit has been approved and the Borrower's lind, it applicable. Owner's Statement-Part One. right to cancel the Agreement has expired ADVANCES OF CREDIT. Imeresl Wilt be Charged or; the outstanding principal balanCe 111 a rate thai Each Borrower agl1llllll that IIr1 one or more Bonowers may obtain loans on may change from lime 10 lime. The method of calculating the intatest is the Account wiIhouI the consent or &lgnalure ol any other Borrower, for any descritled intheOisc:losute SIalsment-PartOne, purpose. All loans obtained by any Borrower, and a~ other charges 10 the BORROweR"S PROMISE. Borrower promises to repay any extsnsions of =~ as 10 which any Borrower agrees. shall be plOpGr charges. 10 the credit and propsr charllEls; to the Account. wi!tt InIefest cala.llaled in '. . accordance with this Agreement DurIng the Draw Phase and the Repayment ~ may obtain loans on !he Account In the ways described In the Phase. so long as any &mOUnt du8 on this Account remains unDllid, Borrower D,lIlC1orwre Sta1ement-Part Ona. will payoach montl1a1lells.tthe m!rlimwn payment due \'lIlIhin 15 daVS_olt!1e l.end3r is not responslbleil, torany~. anyone lallsor refuses to hc::or bilUng date The mathocl of calCulating thf. minimum payment. dascribed in the Spacial Check5. or il any 0Ihar device lender provides 10 Borrower to the Oisclost.tre Sta1ement~~ One. Borrower will pay all other kles. COSIII and obtain Ioan&' on IIIe Account, or if erry automaI&d IeIIGr machine (~ ChargIS f9QUiI'8d by 1tll& Agreement. inct.JdIng il Lender files suit or lakes applieable) Iaila to operate Ill' operatas Improperly 81 the lime Borrower OI:lIarlegal actiontocollecl: lI1eamounl due on IheAccounl or 10 protect any atIemplllllO oblaln a loan. Anycleim thai Borrowerlwls aga/n$t 8 third party CoIlateralsecuringtheAcctunt.aIIreasonablecostsincumldandreasonabla must be resotved direcll)'withthal party. attorney's fees. BotTOWEll' Pt'OmiseS to repay. upon demand. any exlenSion ol P!!!E!"A~~. ~CirI on li1eAccount to the extenllflat tne OUIstan~ principal baI&r1C1t on Bon'OWeI' may prepay the outstanding balance on the Account. in whole or the Account exceeds _ AuIhorIzed Credit Limit: payment under this ilhout ~_~Ih, sentence wiU be due In acIdl1ion to the minimum payment ll.le on tile in part, w "",--,. Account If the LencIsr ttMTtporarlly prohibits futtIler extensions 01 credit. A payment on the Account in any BIlling Cycle ol an amounl greater lhan Borrower promISes to contil'lJ8 to make the minimum payments due on the the mlrlimum monthly payment 1OIue, but Isss thaII the entire OIJIstSnding Account. unall8Cled by the 19ntpor8JY prohibition. balance. wi" be oonsiclersd a partial prepayment, MATeRIAL OBUOAnoHS. A partial prepaymanl will be applied to I9ducEI the ouIsIandIng balance on lhe ~. but wi! not postpone the minimum monlllly psyment due the (a) Borrower w11l use the ""ortgaged Properly only tor personal. I-",ily and following month and will not change the way it is computad. housahOld purpOS1l98S Borrowefs prinCipal dweDlng, (bl Borrower will make all ~ayments on the ACCOUII\ when due. and will make LENDER'S OBUGAl1ON TO EX1END CREDIT. LencIer agrees to: the payments at lhe Place and in the manner 8$! forth on the billing (1) cNring the Draw PI1asa. extend credlt on the AccounIln responlllO to statements, iJnJ proper request lor credit made by BCII1'OW9l'; and Ie) BotTOWer will pay or cause to ba paid all laxlS and lIIIlSessments (2) during the first Billing Cycle of the Repayment Phase. extend credlt on (il1Cludlllg conclomlnlum or similar uses&menl$. il appTlCatlle) which may Ilia Account in response to any proper request for credit made by obtain priorily over the Mortgage. when and as tIIey become due, BorrcIVIIar, illhe proper requesl was initialed and deled during the Draw (d) BolTOW$f wilt cause the improvements exiSting on the MortOoilJ&d Proparty Phase to be insured agalnslloss by fire and other haZ81d& and CUt.lallle$ A reQusstlorcredft sltalt not be COl'lSidered s proper request If: (,nCluding flood. il applicablal with an inlM8nc8 company acceptable 10 (1) it would C8IJSll the lXlIstanding ba1anc6 on the Account to exceed the the Letldar All po/icief; shall be '" the form acceptSble to Lander and AuIhorizedCredlIUmII;or shall name Lender III "loss-payee' or "eddlllonal Ioss-payee.' as appropnate, and PfO'iiI:l8 that Lender be given not Ietls than 10 days (2) lti& received bytheLanlier. initiatad or cSaled during a lime when the wrillen l'lOIice prior to CltnceUetion Of redudiOn ol coverage AccOJnI is terrninatsd in accordance with the "'ermlnatlon- secllon of tel BOfTOWe!' W1Il pay or pertonn all ~81lons under any mortgage 0< this Agreement or socuritV agroomenl on \he Mortgaged Property which hss priOrily over the (3l it is received by the Lender. inttiated or dated during a time when Mortgage sacunng the ACCOllnt furthar extensions of cred~ are prohlblled under the "Prohibition 01 (I) Borrower wiD keep. or ~e 10 bs kept. !ha Mortgaged Property ,n good Add~ionaI ExlQfIIIlIonlll of Credit. section ot the Disclosure order and repair, shall not permit wasts or deterioration ol the Mortgaged S1atem&nl-Part Two: or Propetty and shall not use or aI10w the Mortgaged Property Ie be used (4) illS not made in accordancs with the 'Advancss 01 CrecIiI" seclioo 01 lor any illegal purposa "the MortgageO Property is a condommum or Ih.. agrMment part 01 a planned unit Clevelopmenl BotTOWSI shall comply or cause to be In the cwant of Borrower's cIeaIh or Iegallncapacily, a request lor CI$diI by CQmplied. with all by-la\ois, regulations or restnction& ot record Borrower will be a proper request if the loan Is made and posted to \gl Borrower will permit. or cause 10 be permltled. 'l>IIlpectiotls 01 the Borrowot's Account beIom LanOer rec::eives wtltIan noIIce of !he dealh or MongagedPfoperty by agants of Lender,upon reasonable nolle. IIIClItIaei!y THE ADDmONAL TERMS OF 2A OF 2A ARE PART OF THIS AGREEMENT ACKNOWLEDGEMENT Of: RECEIPT. Each parson Signing thi~ Agreement ackrlOWledQes l'OCeIpt 01 a completed copy of II1iIIl Agreement. 60n-ower"s Nams and A~" ROBERT E RIGNEY and WENDY L RIGNEY IIfTeNT TO BE LEGALL."t BOUND. Each BOffOWer signing lllllll Agreement Inlendi. l!l _be klgatty ~y its terms, InQ,lliing \tie I8rms slated In the Disclosure S1l11ement LenQar. by approving the credlI. end establIShing life Account. has ~iderlced h~ en! 10 be legally bound by the Ienns of this ''''''''''''' ) , )~""':''':>;:'-''\ 4/20/98 k-:::;,(:"':'~. 4/20/98 Bo~war RDBERT't: RIGNEY Dale Borr~!l'~~Y L ,"~~y--~") Dale BOITower Dala Borrower '--- .. . Date HENOTE (l2i96) NOTICE: SEE 2A OF 2A FOR IMPORTANT INFORMATION lA Of tA (BoITowar-l copyiLor,,;ier-Otil/,nal) ~', I E?JBIT "~ .. ~ ~\!\1"".r.../~.~."""".,..,~"...,.,.~"""_...~.,\Iii~)!1l~~"""",,,-,<::,.,,,,,"."'''''''}''"}j.~~."~~" "J. "'" :~i~;."",""""."",..'fC" '!!'l"""",,l, "-'~.>; O::t- ~11 OtHER PROPER CttARGIES TO tHE ACCOUNT. LenCler may. ,JIlts option, eotend ctediI or. the Account in response 10 any other requesllor Cl'edit made bv Bortower III any lime, Suct\ e~tensiOns 01 CfVClll sh8fI also be considered proper ehargll$ to IIle Account. AMeNDMENTs OF THE 'f'I;RMS of' 'hCf: ACCOUNT. lenClal' may atr'ltlllO lhe lemls oJ lhe Accounl by prior notioo 10 Borrow&r under the foflowlng CIl'CUlnslanoes II) tt the lnde~ on which changG$ in the Annual Percen\age Rate are based no longer Is published or Is otherwise unavailable. Lender may change the Inde~ and margin usGU. LenCler will choose a new inclex Ihal h8& an ni&tOrical movement substanllaOy Simaar to IhaI of the Original Index. and file ~ margin lOIin be chosen ao Il1atthe new margin and index WOUld resull in an Aonual Percentage Rate subslantially similar 10 the title in effect al ltwllime the origInal index becomes unavailable (2) lender may make an insigniliCanl Change in Il1e lerms olIN Account it permilted by lecIeralJaw (3) Lender may make a change In lhe lerms of !he ACCQ.lnt whiCh win benelll BottowEll" Any Olher amendm(lfll of Ihe terms 01 thll Aceo.mt mUSl be contalneCl in a writtenagreernentbetwQenlenderancl BorrowGf WARAANl1ES AND REPRESENTAnoNS. Bo<mwer wilJT&nls and represents !hel the funds (Collateral) are oblained and wlll be used In connection With lawlul activities. pursuits. endeavors. vel1lUres. or businesses, and Bonower will not use ltle II.Inds (CclIateral) 10 v,otale any lawttlal could resullin forfeltuteproceed"lfIQSbeing mstltuted BolTOwGf agrees 10 promptly infotm Lender 01 any proposed proceedings or acluaiproceedingwl\ichwouldsubjeelll'lOh.lnds(COIlateral)totorleiturelo anygovemmentatbocly. STATEMENTS. lender will mail to BOtfO'W&r a penodic statement of the Account at the end of each B~ling Cycle, unlen such a statement is not required by law The statement will show the activity in tile Account during !he Billing Cycle. UnIan 8orYower nolffies Lender in writing of eI'TOI'S In the slatement within 60 days ftom the date it. is mailed. IN statement. shall be considered COtt8Cl and accepIedbyBorrower.lIlhereismClt6thanone~.eachaoreesthatll the statement is sent. 10 and accepted by any Bonower. it shall be consi~ correct as to. and eccepted by. all Bonnwers SECURnY. To sectlre the payment oJ sume due on this Account, Owoet anclior o...-ners have execul:ed a Mortgage In LenWs1avor daled lhe same dale asthl.i Agreemenl lendet hereby waives (gives up) its security Interest in the MOItgaged f'n)perty as to any extetlsion of credit 10 the extent that M woulcl cause the outstanding balance 10 exceed tile AuthorIzed Cre<f~ limit Borrower or Owner 8ls0 grants Lender a security interesl in (1) Any of BOtfOWefs prop6ftY which is in Len_s p06llessiOn al any time (2) All crecllllnsuranCe proceeds and return insurance pnlITl...ms Which any Botroworelec(stoolllain. (3) All proceeds 01 insurance which Lender requires Borrowet. or 0.",.,.,." to obIaIfl on the Mortgaged Property in accorclanCe with the MortgllQ1l andlot this Agreement Co/lateralsecuringOlherobligalions to Lender mayaiso securelhe payment of this Account lERMINAOON. II ttlls Account is tenninal&d. Bonowot shall no longGf have the right 10 obtain loans from or make any chargeatothe Account. and lendet shall no longer be obIiga1ecl 10 make advances on the ACCOJnI nLender.atlls option, chooses 10 make further advances en Il1e Account. such advances. shall be proper Charges to the AcccunI for whlctl Boncwet shall be liable to repay. II lhe Acoounl. is terminated; unlen Lender exercises its right 10 r&qull6lhe balance to be paid sooner. the day torIowing the l8SI day oltha Billing Cycle in whiCh the teml1naIlon occurs shall be tne firsl day of the Repayment. Phi1S9 of the Account COlLECllON COST$. Borrower agrees to pay all court costs and lees. as weU as reasonable anomey's fees. as pGmlillecl by law. inCurred lI\ connection wilh any actIOn Instituted 10 coIIecl on thiS AcoounJ or 10 prolect anv Collateral securing IN """"" PAVMENT MARKED "PAVMENT IN FULL". BotTower agrees not 10 sutJmll any CheCks 10 lender in payment o! Borrower"s Account marled .Payment In Full" unless the amount ollhe check. IS: at least equal 10 lhe Ictal balanCe then owing on Borrower's Accounl 11 Borrower does s\lbmit a <:l1el* 10 Lender mart<<ld "Payment In Nil" fora sum 'lss than the balanc& clue on the Account. Lender may accepI 1116 check in partial paymenl ollhe balance due on the Account and not be bound by the "Payment lfI Full- noIaIjon UlnCler will MOl De deemed 10 have W8IVIU its flQhl$ 10 11.I11 payment 01 the balance cl\le on the Account bv 8Cl:ePling SUCh chei:k Pow\aylvanla NatJonlil Benk EXEcunVE OFRCERS DNLV lIthe aggregale mclebtedness to any other bank 00 banks exceed<; !he amounls specified lor a categOty of loans described lfI Regu1allOn 0 01 !he Fecleral Reseove Board. then this loan may become lll11lledi8lely due and payable DnA. Y IN ENFORci!MENT_ Lender can clelay enIorclng any of its rights under this Agreement witNloJIlo5inglhem_ArrtwalvetbyLenderofePyplOVisionofltlis AgtMmen! wlII not 1M a wa~9f of the NfllQ Qtaf'ly other prQvi$iOn Qn anyOlheroccasion. CHANGE OF ADDRESS AND N01lCES. BotrowGf agrees 10 notlly lender immacllalety In wriIing of any change In Bomlwet's adOresa. AD notices and montl1ly slatements will be cleliveted 10 Borrower at Borrower"s last address appealing in Lender's records_ Notices sent lolhal adl:lre&s will be elledive for all purposes uncler tills Agreement. n 80rT0wGf sends anotlce Otletlerlo Lender. it must be senllo Lender at the address appearlng on the mOIl recent bilting st8lement. BottOW6t waives any presentment., demand, !lJOlesl, notiCe of protesl and dishonor and any other notiCe 10 which Borrower may be ent.itled and may. by law. be wailled. JOINT ANO SEVERAL OBUOAnoN. Each Borrower who signs this Agreement. anct legal representatives 01 eacn. will be equally responsible. ImflVidually and together. for paymenllnll.lllofthetotalamounlowecl. ASSlGNMErfTS. BOltower may no! assign or otherwise transler Booower's rights and privleges under this Ag:reemenl. Lendef may asslgt1 any ancI all 01 iIs rights andobligalion8 under this Agreement and the Mortgage at anv time without Borrower's cOllsent. The peraon(s)10 whom lender assigns this AgI'66Iftent and Mortgage shall be entilIecl to all of lender's rights and be subiect 10 all Lendet'$ obligations unaer this Agreement and lhe MOttg:age. None 01 BOlTCIWQt's rights shall be aftected by such assignment. LENDEJrS RIGHT OF SET-OFF. The law gives lhe Lendet a right 10 set-off In any 01 the Boncwer's properly in Lendefs possession at any lime, Including deposit acccxJnI8. Thismeansthat.lIlheBotr'OWIl"defsulls,theLendetmey exetCiseLencler's right of set-off and app'v any of the Botrowet's PfOP&rtV in Lender's possession. incIud'lt'IQ deposit accounIs. to the sums 8on'ower owes on this account OTHER ADVANCES. " the BonowerJOwner laiIs 10 purcbase FlnI and Ext8nded Coverage or Flood Insurance c;overage or does not pay laxes when they come clue. or does not property maintain the PtemiSQ8, Lender may, II Lender so chooses (but wl\houI obligation on Lencler's P8"1, advance S1.Ims on Borrowet'IlIOwner"s behalllot these putpOSes in order to protect Lender's lntetesl in the Ptemlses. Atrv such advances Lender makes on Borrow6l"8/Own(lr's behatf wiR not excuse BorrowetIOwner from BonowllfSlOwner's faikJre to honor Borrower'8IOwners PfOI'I1ises and obligations in the. Agreement. Tile arnOI.Ints Lenc:ler advances on Borrowet'siOwner's beheII" will be charged to BotJOWer's Account as ...,. SPEctAL CHECKS. OWNERSHIP OF CHECKS. The SpaclaI Checlls are at aD limes Lender's ~roperty. Borrower agrees to return all urused Special Checks to lenOet ~ Lender', I9qUGSt or upon termination of !his Agreement by elthet party. WIlen the SpaclaI Check8 have been paid by Lendet, Lender h8& no CItlligatlon 10 I'9Ium them to Borrower. PROtUemON OF PAYMENT WITH SPECIAL CHECKS. Bon-ower agrees 1\0110 make payment to Lender on this Account with a 5p(lciaI Check.tuml8hecl by Lendet under this Agreement. POSTDATED, STALf DATED, CERTIFIED. AND STOP PAYMENT OF CHECKS. Procedures. Illw$. and lees applicable 10 comperable IransacllOns on raguW ctleclllng accounts shall apply 10 SpeclaI CheCks urn:ieJ this Agreement wlth respecllo postdated CheCks, stale dalecl checks, certllylng checks end 8IOp payment 0I'der8. 8OtfOW8f agrees not 10 iSsue postdated Special Checks. CetUfied SpecIal Checb wiD be posled to the Account on !he day lhe SpeCl8l Check Is "".... SEVEAABIUTV. It It Is delerminecllot any IV8$Ol1 that a part of ttlIs Agreement Is invalitj or unanforCeablll, this 8haII not affect the validity or entotcement of any 0Ihet proviSion oJ Ihis Agreement_ ThIs Agreement win then read as H the invalid orunenforcemle paltwerenotlhate. ENTIRE AGREEMENT_ ThIs Agreement, Inciudlng 0IsCI0sure stalemGnl. any Rider hetelo, the Mortgage, and !he Application Form teIaIed to this lo8I1 cordaIr. lhe entit$ agreement beIWellrt lender and Bonower. ThIs Agreement sup8l'1ledes all previous agf8Elmenls. 0taI or written, baIween the parties relating to IhI8 Home Equity una 01 Creclil. GOVERNING LAW. This Agreement shall be govemed by the !awl oJ the Commonweallh 01 Pennsylvania eKcept to the extent that such laws have been ptlHlmpled or supel'8eded by federal law. HENOTE (12.'96) NOTICE SEE lA OF lA FOR IMPORTANT INFORMATION. "m''' (Borrower.lcopyilendGf-Qriglnal) ~. ""-"'-"""--"1, ~."= ~ . ~ ",,:....:...J O::r- ... Pennsylvania ".nnsylvanla "atlonal lank Nation.. ~ HOME EQUITY UNE OF CREDrr Ban _ . FE~AI. TRII'ftioIH.UJtDINQ DISCLOSURE STATEMENT. PART ONE "'t:q;~_~hAr~ ~.. .II/PO/!UI r,~~ 'ec:ouruNun>'- Dat. rnlS DISCLOSURE S1'ATB4ENr IS GIVEN 1'0 me. BORAQW€R WI1li. AND IS PAAl ONE OF. TtlE HOME EaUllY UNfo NOTE AND AGREEMENt. rHE HOME EOUllY UNE, NOTE AND AGReeMENT.. 'tHIS DISCLOSURE STATEMENT AND THE DISClOSUAE:STATeUENT ON PAGE 2A OF 2A SHOUUl SE ~ AS ONE DOCUMENT. n!ftM OF 'THE M:COUNT. n.u D.... Phase's dell11C1d u !he pDnOd 01 llIfI$o DAUToNAtIC PAYilENr: II rou have cho&eol (Q I\eYe youo rnanlhlV p{lyOlIenls d\Inng wh,ch the Bon_ ~ obi..... edII_ 01 C08C1t1 Tho 0,,,,, ""_ w,1I autDfTlBlocallv dGduI:l&d foorn VllUl' Penn$ylIIania NB1ian81 B.... KeyAcces$. ~~~A~~~ ~.!'~~: :adl...=rB';~.I~=., ~ .=c:~ =~; :.ev,o~t. ~~ ~:::=: ~,::=~~; B01'1'OWil' The OI'awPhe&emev""",Ml1oerIt\afI1I'\.lII dlllllon eceo<d&nce....lh1he wIIoo YlIIl' monthly paymIlnl5 808 IUIllmlllieallV deduclBd Iriim your KeyF'e& ~:,"':~h~r:::::lO\: ~.."t.~ ~~~ ~~~.:::: ~.l~a~~~lII~~~~df:.e':;-==~t: R<l<>llyfT\lll\lPllase.!tI$SO'TtI'N",...,lInQ1b118tllel00ClMledvMCel;olCOGdilon the BO"_or lhe.......def.!he Annual PMC8l\IlIlIe Rete an !he A.ccll\lN ...~I \tWt AcCOU<ll 'The lenlllh of1he Rep8\'ll'l&nl Phase """ be 16YlNlls rne>8Ull to tII9 "II\deJl and IullllllltQin", whu:n ia identified in the left-tland colUfl'n FINANCE CHARaE. AI all tmIe& Ih&t th,s Ag'.-nem 's '" eIIecl. I/IClUd"", anv unde< ~ p&l'ag.~h lI\I<Id 'VBriIlble R~a- An incoeeae in the Annual Perceolage p./I..Gd afte' temllnal101'1 '" wh,ch theo& .__ an OUI$!Bnd<ng b&l"""" ~ Ih<> Rille may resull lit II h'gh&< mon\lIIy payrnenl. The lncfeaaa vrillllllle elfed on lhtl ~.lt1eF'nanceChllrge~lIusAccoun!"""b11caICUlaledasolthelasldllv ~rsldllVollt1en&KIbill:ngcyClalQllllWingcancellllliCllloltl\eaolhalizlllIO<lOf "'the B,rnngC\'(:Ie,lltltl&loIIOWongwlly. =':'rw~orS8VUllJll. := ~~~':.~~,~G~~~ ~~ ~N::'=: ~a::: ~ CLOSlMQ COSTS. In ordeo ttlllP8l' and m&JnlMl \he AccoI.o1L Bonower must pay PD$!ad III lt1e AGclllln\ Th8F'nlll'llllll Charge conl"""-unl,1 1lIe wSland'ng p"nc<pa'b81~'sQ..dlltIulIThe'e'snllblnedu"ngwl\lchcoedlt'le.f\anded ""lhOUl!he80"_.ncumngeflnanceCha'ge PI:RlOOIC RATE AMI) o\HNUAL f'ERCIEtfTAOE RAT~. Th,s AccounI h81 1I vanablarale!eaNreandth&Aov\uaIplll'C&nlag."""..ll:o&CQI1BBpondong[)a,ly p."'odlCRaf<I.8fldtt\Q""n........monlhIYpaymen1Can~anga The Oaolv PeI,odtc Rille In eft&<:! as ollh" o.sc'osu<e SIal, ...tuch CO"o'llCIIld. to an ANNUAL PERCENTAGE RATE 01 and also tlwI ""eros! "'Ill lIS ollll& (fill" 01 !h,s d'lICIc&uI. S1&lIlfMfll~ The lale 'I subJeCt 10 change as descnbed llt !he 'VARIABLE RATE" Dar&Q'aoh ol lhrlI O,se'OSU'1I S1l1t_r METHOD OF CALC:ULATlNa BAl.At<<:E ON WHICH FlNANCE CHARGE IS COMPUTED, lencl&r will tolnDUle lhe f;_ Charge titling the "&CNlll d&lly tlBlance"antheAcew:1l_Tog8llt1&actualdaPlvbalanco,lhel.end&olBkeslt1e ~"""ngbalanceonIlleAc--"!elldtday&ndeddolany_5Ctw_ol c'ad~orolhel'~POllledlO1heACCOIlfItlhllldaY.Ihen\heLenda'$ubIrllClS enyo&ym&l1l:& Of ctadll& DOSted lotheAccounlthlll~ a'Id. d ~phcabl&. an~ :::: ~'-~'.:~ =~~o~~~:~~::~" and MtTHOO OF COMPUTlHG FINANCE CKARGE. Lenc\ef WIll campuhl the Fm&noa ~::e8t'rbnglt1ecv':" ~o:ry =~ ~~~ =;: ~'I= OlIc1e lithe lUll 01' ll'Ie f'inanoa Cftarges for each of rN 4ay\I '" th81 B,KJrtg CYolll. VARIABLE RATE. The Annual PerceMllge fltte at m, nme w,11 be dtI\erlM1ed by IIddmg the "FUlL MARGIN", 'AtItt:h""U nlll ~duolllg lheteomol \fie Aeeounl.loth&"uIdell.v8lu&.wIt'ch""""chllO'lgetooml_totme 'R1e mdell '$ the 91o.{l/lV Treasury_SIl~ IIVlIf&lle dtllCOUlll rllla as HI by 1lIe V.$ T'<Il1liUtY Auc:IDn !Dt tho 1M! lIUClIan ol ~Qry monltI BRd DUbl'V.e.:I '" The WaI' St,eat JoumaJ. To daleoff\lO'I& tile AIInua' PerC8l'llage RIUe lh&l we ",~j BOoly 10 ~ll\&IlnG.n:. ~Iirs,~ ~~~ ~lhe"":::: :::~~:, lC~~ ~:=~-=~I&,~~cIt=~~~:=~I: I..... th& "S>dp. and "ma!Qin-used UI'Ilfef\hrl; ag.--nent. Tl\eAnrtualPercant&(jeRBllldoatnotonoludeoos15olhef1hanonhlfKI. My cI'IlInge If\ lt1e AnnIIBl Percenlllge Rete WIll be ~pllcabl& 10 the INn OlMIlllICIingIOllllSIli_oonaolcteQit\lllliltheAnnualPetc&ntageRBlecltallges &(jall'\, The ANNUAL PERCENTAGE AATE IOiII _ UC8&d 18'4. "'''il\Qreue'''t:heArlnual~eRatema'''<8W\l...a'''gheon\Clllltllv DoQyment-ThoIl'lct$l\$e1lriUtakeefteclonthefiratdlYollt1elllP!blllingeycla. ~~~:R.chtheJ=~~1 ~or~2t:'~:'-= CII'il'\CIpBlbal_pIvf,8l:CItlildifll-.stlprlllebiUmgCVClelomes175'4.plus ~ftCflll credit II'- VICUI'IflC8 P'-.nt. -.- '- It ",pI,cable. 'etUm otani lea ~a:u~~ 12~= ~~:nr&l,:m::e ~:.ol~~e:.= agreuIOPe:yat.tlnirrunMonlNVP&ymanLwhodtWlllllflthegre\llllOol(1)S50.00. Ofi210Ul$lllndlllgPf1nClpelba!InCeQlUl&CCfUlldmtefMllprth&b~liflgCVda_ 1.15%. plUl Of)t,ont! crllll~ lile _Mea premll.Wl\l, InlUII leM. of IIPOhcable, 'filum ,lo,m leD n Illle dwgea. In no event .",11 tba Mtn,lrUI'I Monthly PaymetII <fuaevefllegfNtel'tNnthe.....b"-'\ceonthaAccount- APPUCA110M OF PAYIISO$. Payn\ent$ made on the AccounI ",," lie BOPI"'" 'fI lha lollowmg QOdlll': Lele l;I'Wg8$. finMoe c1targ-. OCI!lonlll colldf. I,fe .n1Vl'enc&. 8IInu&I member$hlp f-. 'lIIUffI rt8IT1 f$e$. lUId then to the OUlSlaI'Id1ng OtIl\ClPaI btllll'lCll. PROPERTY INSURANCE. PllIJl6I'IV ,lnlUfence IS 'lIQl/lred on die UQrtgaged Real P10perty_ Rood lnsIJrln:ll (it olIPpliC8blel ,$ reQU'red on the Morlgaged Reel PtCp./IftY Sooroweo mll't'Otlll,.nProp&rtyfnsurln:ll"om",y(llleBon-cwe'choo'" Mlo'seccepl&bletothe.......dlIo TAX DEDUC11BIUTY, 800<_ ~Id cor'I&UII a '''' adv'SO' 'eQard<"Il the de6.oct'O<l""'Oflntelll(.llll'ldcflarg"loolheAccolJnt " , ~Rnllf\Clld Property-Repor'! 00057.00 AOO'BlUl 00125,00 Tl\Ie &amonallO<l T,~.lftauraflce NOlaryFee Reeord'ngFea Sall$llCl,anFea 0001'.00 C'edlf~ OocurnentPrep. ... """ ANNUAL MEMBERSHIP Fa:. Borrower agrees 10 Paw . norwefundatlle Annual ~~::.J~':- v:=:' :~*d:- :-etheol;':: = .,- 8ECUFlfTY 1KTEfIUT. Bort_ II ~ the LenclGI' e I8CUfitv ,",erest in 1lI&I e&tlIle. IIICIIley Of property on depo&~ willi the Lender to I&CUre Ihla ACl;OlJ'll Coll&feOatsecuntlgOlhGl'obbgltlonllolAnde<tfIa)'&1so_elhlIAccounI. ~~ ~'i;5~:' ~re:. to~IY~~1hecnrJ: :.:: :..r::-:a:: .-ulhendueandlllnoevemwlllthelar.chargeb.l....tltanS'o.OOormore th&o1S25.00Noletecha1gewillb&dueillt1e'eaaanlt1&paymaru'$lete1Ie ~o'e/fquef1CyOl'l.otiof~ofOeclllt$G.elterdalltUlt,llIaOUh;tandillg blilance~du&. ~al=F':ES~p~~III:tr~ ~I~ ~lIO.(:= ~~~ =~ed~::':= ~~,-on~m.t~": ~~~e.~ wele\\lffl__OfDlP:eW1lWlllllllllOWa~ltllIItt'EKlOf$Z!l.oo. STOP PAYMENT FEE. " yOu requBII l'erlnaylvlftlll NBlIonal Sri to &loP PII)'IIl8I'll 01 any Sp&ela! Check, PeMayNtnla National Sri will ImPoH . &lOP pll'(lT\lllll lee oI'NlA. _py....~reqUllSlaCOll>>'olaSpecialClleck,Penllsylv..'e Na1l~BriWll!lIIIDOSea :ActI8Igeloreachilemfllllueel8dlfclmft!ln,orll~A charpforem:h_ _ lI'ornllche.A~pagecherge""""lii omo'*ld lor COOIIG 01 e billing ~ unI.1 the requasl is made '" connect'~ WllhaPfOl)8l'wontennol'l:8ol.billlngerfOf. ADVANCES OF CRe:91T. eor-er may 0lbtIlin adv8f1Clll 01 cr$dIt on the ACCOIInt dunng !heOtaw Phas..l.eoIdeoagreestomFlkeadvancelolcreditontllDACCOUI'I\ :o:gon"!halt1e~~ ::~'*;~~Ct~~~ Eaclt8Qrooweragf88f1llal&\VOll8l1l'lIlOO8lkl'fowtnllNl)'obI5nadvsM:esol ~llllIthaAecount"'ittIoutlheconaentl)flltlnallJ'eollJlYofll8fBornlwef,1or enypurooae.Alladvancesolcredltobla\edbyanrBOOf'tlweO,andalIOlller dl&rQealotlleAccounlllltowllichanvBort_ag.....IhaIlb&pftlplIl'cItlIrgllll tothaAc:co\wlt. IIorJow.llllyoll&aln___of....._...Moollnltn...follDwtno~: ~:~~Kf~~~:=.J:~~~:':' ~ dll~DGed on lt1& "tmpor'I&fI(O,scIoI\IfeIlIfT8lln&.. O\lER~AF'T PROTECTIOM: II YOU draw . 'egular check 01' authorize . chati;e lIll81nll1vourdtecllong8CCQunl;.:hedung&ccaunl'USl1lClIbav.lcbinglttedraw 1l&I''lldloomoreth8l'lIhabalanceinl'OlJfdl&cklna8CllW'\l rlI\lwillbedeemedlD lNIve '&quelled an advlll'll:9 01 coad~ and W9 wilT IIl\DIlIahcaltv tend you enough to CO.III' the ovll'dfafl. 1IIl1Oyouo credit l'mIt. All &UCh IoInI wM be in uni1s d$SO. .CM.O'lCI&dolltolt1&neo<llhgl\lll'$50, lIn_........"'.IOIllIformcre\llan1ha _'fIllUllSlld.ln!hllcau.anv..._abovelhe'~1IIrIIlUnl.'8IlI8inS lfIY1lU'dlecJunglll:ClUll. DIT INSURANCE 18 HOT REQUIRED. Oed~ ute lnIu.anee 'I not I8QUlfed 10 oblaOll lKIv_ Of e>edll. III1d will not be pfOVided unfess Borrowet(l) sIQtIB below dag.ee(sllOoaYlhelldd'~oneIeost(11 lh.__Oedl!lJtelnSul'ancelWlUlabIa'5S50.QOO.OOonlhalll.lfllltheBortowel(I)owe(5)onlhllBorrowref,AccIlunI, I\$ur~v:: ~~B~S~,;(.\ar~ ~::;: :eu: ,,~,:::ng ~y,=,C:. ~Bor~'=<.r:=)~' ~~c::"'tuive l'OOl'on to cb1em Of ptllCUlll Cl"ed~ I~e OfI$UI'lIrIC8 tor )l0liI" .lccouU whatIwl' 00 no! you $.gl\ \of I\IdIlIIIUIlIfICI b8law snd we IIlt8B have no obl108l\Ol'll rovou If r,W'&nee'snoloblllP\lK1 GIOUOCl"edllOfslIleorml~......dlble&l'81elll8ltlyIheP.InaufIn:llDIJI8f\mI!rIlIIII\cI"'lUbl&Cftocllangeby\l'l8tdllpartmelll Insurer UNION SECURITY UFE INSURANCE COMPANY, WIImlngIcm. Dellware. LJlZ4.'L.P6' $70000 pes menlh oIrne ~ dalIr ~ lh \'gn'flg, Borrower '8QUl!S1S $lngl. Cred'l 1,'1& lnw'ance. ....,00> l:O$lS Bv .""nong. bOl/l 8on'owers IlqU811 Joll\! Cted<1 ...1. lnsUfenca, wlIlch COIl s.....11ZD- per$HIO.oo.perm/lOllllol/lleac:fvaldaJl)' baImce. $_"n.&lU'all!So"~IODe'lIS<Jrec:t '" NOncE: SEE 2A OF 2A fQR IMPORTANT INFORMATION .. ~lACH BORROWER ACKNQWlEOGES AtiCEIPT Of A CQMPl.En:.lY AL.lEO. (-:. \'..~+' t, ~J....,.~,.~, ./20/98 Bo"owtl' ROBERT E RIGNEY Olle Oal. 60""""0' 00&....' '. 0' ~. .'t~~rl' "'_11II, S,gnalu'e 01 BorrvwBf 10 bII on&U'ed Ag. s.gflll1ur. 01 BoolOW8f 10 bIIlfIIUfed Ag. "-/M,j'l'r /~&l. ' B",.C/wOO om. (Borrowel-l copyll_onclor-O'IlJ,nal) "".~!1'1If1n , ~, ~,c,.itiii ~rn.~_?_~",",:_.. ">'~_."_ 0'.'.- } ... ....1" -""'l""l"'F-""~' ,,,~,--.,,,.,,,.....1iJ.i:>'1'1" ,,~~4~~'~",""" ROBERT I! NClNEV 'F-EDEftAL TRunHN-t.:ENDING DISCLOSURE STATEMENT .. PART TWO THIS OISCLOSt.lRE STA~ENT IS GIVEN TO THE BORf'IOWER WITH. AND IS PARl1WQ OF. THE HOME EQUITY UNE NOTE AND AGREEMENT. THe HOME EQWTY LINE NOTE AND AGREEMENT. THIS DlSCLOSUflE STATEMENT, AND THE DISCLOSURE STATEMENT ON PAGE 1,1, OF 2A SHOULD BE READ AS ONE OOC:';MENT PO",BL:E ACOONS WHICH MAY BE TAKEN BY LENDER. Under the .'Tl$lal\Cfl$ describad below, landei' can (1)lenninate the "fie 01 Credit. (2) reqUIte Borrower 10 pa... Iha entire OlIlstanding balance on the Account 1n ona payment. (3) refuse 10 make additional eldensions of cred~: (4) I{lduoo the credit lim~. and /orIS) make specifIC changes that are set fOOl" "o. TERMIHA 110N. Illhe Accounl is leIminatllO. Borrower shall no longer have lho Ilghl 10 obtaifl loans from. or make any charges 10. the Account ana l..ender shall no longer ba obliga!eo 10 INlke actvances on lhe Account TERMINAnON UPON DEFAULT. The Borrower will be in oelaun and Ihe Account will lerminate. ellectiwe upon Lencler's Notice of TerminatiOn Ir Borrower. II any oIfhelollowingOCCUl" PI Any Borrower or Owner has commilleo any Iraud or maoe any marenal misrepresentallons in connectiOn with !he Account. the appllcalion fottheAccOUTlI. the Mortgage. or any inlormation provided oorepresenlalionmacledurl!'lgthelermoftheACCOI.Int (2) The Borrower fails 10 pay the paymenls or any other amounts whICh are due In connection wk" the AccoJnI as p.romised in the Agreement within 60 oays 01 the paymen1 due date tal Th&Bon'oweI-orOwnertakesanyactionorfailstotakeanyacllon wtuch ",as promiseO In this Agreement or in the Mortgage. which ad~ersefy allecls the Lencler's SeOJrity, or in any rigl\! 01 the Lellcler '" the security (<lJ II turther elltensions 01 credk on the Account are prQhibit.ed for a perood at lime because at a circumstaflC& lisled below. and subsequently thai Circumstanee no longer exists. the lendel' ma... lerminate lhe Accounl if the BOfl'OWer or Owner has causecI or allowed a Mortgage or othef lien 10 be recordeo against the Mortgaged Property at any lime. unless that Mortgage or lien is subordinate to lhe Lencle(S Mortgage as to past ano future aclwances 01 creclit. on the "",,"N {51 The Borrower or Owner seas. gives away. transfers, or lakes any action (or Iails to take any adion) whlcll causes or allows conveyance olthe Mortgaged Property. or any p8Jfthereolorinleresl tt\efel1l If 8oITower Is in cIelaull under this Seclion cMIng a period when Iulthef extensIOnS 01 credit. are lemporanly prohibiled. Lender may. nevertheless lerminatetheAcCOunl:lnaccordancewilhthlssec!ion Acca.ERAnoN OF THE OUTSTANDING BALANCE. Unless prolllbRed by (21 law. it Ihe Account Is Iermlnaleo \lpon default. lender may, a! ils oplion aller notICe required by law. deClarG duo and payable lhe 6ntire balMlc.:. owmg on the Account, If this happens Borrower will be required 10 pay the {aJ OUlstanQing balance on the Account in one payment at that time If Borrower is in delaull under the section above lIlleo "Termination Upon Delauft" during the Repayment Phase or during a time when the Account is (4) already temliTlafen. Lenoer may. after I10tice requlrecl by raw. oeerare clue and payable the enure ba\al'lee owing on the Account ii LllflOer dtK;iartlS u.., vnUn= WIconw We .."u 11O'~. ~Idoe; C,Go, C"~-oV i5i sui! fOf the amounts clue. torec\Ose the Mortgage or take other aclion as permitted or provided by taw 10 collect the balance owtng PennsylVania NItIonaI Bank EXECUtIVE OFFICERS ONLY. II lhe aggregate inclebtedness to any other bank or banks exceects !ne amOUll\s specjlled 101' a category of loans describao in RegulatiOn 0 ol the Federal Raserv& Boaro. Itlen tills loan may become Immeoiately 000 anti payable PROHIBmoN OF ADDItIONAL EXTENSIONS OF CREDIT AND/OR REDUC'nON OF THE eREDR' UMrr. II anr 01 \he oonclitions Iisteo in this section occur. Lender may temporarily prohibit additional extensIOnS 01 creOil analor reduce !he credil limit Lender wm notify BOffOWGI' within three (3) ~:~r:s~noar: ::CU:e~~U:der!hem~Ior~lo~r: Susoenoing lhe account will not affect BOtrOWer's obflgations 10 lGrldel' unoer lhis Agreement II cm;umstenees subsequently change so that the lhecondiuon which gave risa 10 the prohibition no lOngereltlSl$. Lender shall De obllgaleo 10 again allow exlIlnSlOns 01 creclil on the Account or restore the credll: Ilmil. This obliglllion shall commence lilteen (15) busmess days after lhe Lenoer receiVes a written request from BOff'Ower accompanred by reasonable ewidel'lCe tnal the concfiliOn whlch gave rise 10 the' prohibition no longer eltislS No conclilion liSled in this section. or !he fad that sUCh condition no longer exists. &haUeortend or In any way alfecl the tem1ination BILUNG ERROR RIGHTS (Keep this notice for future use.) ThIs notice contams important inlormatJon aboul your nghls and our responsibilltlGS under the Fall' Creo~ Billing Act. Notify U. In ea.. of EmIra or 0IIeItl0l\& About You, BUI 11 vou thlflk your bt11 is wrong. or II you need more Ifllorma!lon aboul a lransactlon on yOUf bill. wrile ue on I separate sheet, as soon as possible. 81 the addtllS$lISIIKl on your bdl We mUSI hear from you no later than 60 Gays aIIer we sent you the statement containing the en'OI'. You can telephone us. but ~~~?etIW::, ":Js~iXeOUthe'~ inlonnatlOn . Your name and account number; . The dollar amount 01 !he suspecled error . A desCflDIlon of error ano an eltplarlabon of wh... you believe tnere IS an arror I! ,ou !lave aulllonzed us 10 pay your bflr automallCall)i from your sawlngs or cheelllng _acccunt, you can stop the payment on any amount you think k wrong. r~ slop the paymen! 'o'QUr leIIer must mc" us thtee busIness days before the automatIC paymenllS schecUed to occur. Your Rlght8 .nd Our RNponI.IbUltlM We m..sl acl<f1Owleoge your leIIer wtthln 30 days. unless we have corrected the ooor by Ihen, Willlln 90 Clays. we musl eIlher correct the efrOf' or 6Jlplain why we believe Ihe bin was correct ~lter we receiVe your leIler. we caMot tf) 10 collec! or repOn you as delinquent lor aTly amount{sJ 1fI dispute. We may conllrue 10 bill you for the amount In ..)ucsllon mctJOtng finance charges. ano we can apply any ullpad amounl agaInst your crecIil limit, You 00 not have to pay any queslIoned amount while W;; al{llflwesllgatlng. buf you are stin obligaleo to paylhe pans of your biD that are nol ill question 'l..e flt\c! Il\al we made a mIStake on the bill. you wal nOl have 10 pay any finance chafges related 10 any queslioneo amount. II there was no ElITOl', you may n~~e 10 pay finance charges. plus mlSseo payments relating to the di5PLo1eO amount. In eRtIer case. we will send you a ataternenl ollhe amount you owe ~:'.:I11'\e dale thai ~ III Que It yOl.> ta,l 10 pa... the amount \lICIt we, ll\lnk you owe, we may report vou as delinquent However. il OUt" explanation does not aatlsly you ano you wrile to us wdlun len ~ lelbng us that you slill refuse to pay we ml".'Stlell anyone we report ycu 10 lhal you have a QuestiOn about your bill. Anct,we must tell you ~~0r:10:~~w: =~ ~rCJ':CI~lfi~I=I: =e~~~~ ~enm::.r~I= =.l:IeIweenUS wilen llllnally Is. of the Account accorcling 10 any olher section or pFOIrislon 01 tills Agreement. Any 01 the following condltions will be grounO$: lor Lend!lr 10 temporarily prol'libR addlllonal extensions 01 creoit and/Or ~ the credll limit (ll The value of the Mortgaged Property declines Significantly below its appralSeo value lor the purpOSEl8 otthe plan. There wiD be a s1gnlrx:ant decline llthe -available equity In excese ollhecredil limit. a11he lime ol l/'Ie appraisal is less lhan 50'1. ol the "available equity In excess ol the credit limit. at the time lhe Account Is openeo_ The "available equity In excessolthecreOil:limlt'shaRbelhedlfferencebelweenla}lhe appraisal vakle oll/'le Mortgaged Property antIlb) the 8lJtTl ol the credll Iimll 01 llle Account plus the crectit lImil 01 all Olher acCOUllls secureo by prior Mortgages on the Mortgageo Property, ptus the then OUlstanding balances of an other prior Ilens ana encumbrances. In its Oiscretion, Lenoer may obtaio appraisals from time to time at Lencler's expenli8. It Leodernasprohibiledexlensionsot'creclitarnt'orreducedthecredil limit ano the value 01 fhe property subsequently 1ncf&8seS. Borrower may provide lenOer with a wrillen f9QU85I to remove the reslriclion. The !&quest shall be accompanieo by an appraisal oblainecl at Buyer's expense For the purpose ,of the section. an appraisal shall be cIefined as a cerlilied appraisal by a licensed real esl8le broker who tegularty. In tile course 01 hisiher business, makes appraisals 01 comparal:lle f&Sldentiat real estate in the geog'ap/lIC area where the Mortgaged Property is -" (2) Borrower is in delault of any Material Obligation listed in the Agreement. PROHIBITION OF AOomoNAL EXTENSION OF CREDITS" AODmONAL CIRCUMSTANCES. It any ol the condilions listed in this sectiol1 occurs, Lender maylemporarilypfllhlbiladrJitionalEllflenslonsofcreOll:orreduc9the crediI: limR Lender will give BGnl)WlIr notice ol the prohlbltlon. II ClfCUIl'ISt8nCe subsequently change 110 thai the coodltlon no longer exists. Lender shall be obligated to again allow 6ltIensiOns of crediI: on the Account, and will give Borrower notice that the CIediI is again available. (ll The lGrlder is preclucled by government aclioO !rom imposIng the annual percentage rate proviCled for in the Agreement The pnonty ollhe Lender's security interest is aoversely afIecte(l by government actIOn 10 ltleextent that the value ollhesecurity interest is lass lhan120 pelcent01 l/'IecreclRtimil The Lender is nolified by iIS regulatory agencythalcOl'llinued ad'Iances COfISlituleanunsaleanounsounopractice Lencter reasonably belieVes Borrower wi~ not be able to meet the repayment requttemems die 10 a malerial change In the Borrower's ffnancialcircum5tances TnemaxUTlumAonuaiFtlfQlI1UlgoFi",", 1lO"""",,,,d. CREDITOR'S OP11ON ON DEFAULT. II eny circumstance exists which wQU10 be cause lor Lender to temporarily prohibit further exlensiOns of crecli! on l/'Ie Account or reduce the creclil 8mit: (a) Suclt actiOn may be taken by LencteralanylimeduringwhictltheCircumslancecontinuestoexisllb}AocI the ClrcumSlance woulo also be cause lor the Leoder 10 termlnale the Account LencIer ma.... al lis optioo, take either aclIon 81 any tilne during whiCh the ClfCUmstance conlil\ues 10 exls!; Lender's remedies shsll be cumuiabve. andOOla\lemalive PROHlBmoN OF ADDmoNAL EXTENSIONS OF CREDIT AT THE REQUEST OF BORRoWER. Any Bonower may direct the Lender to pf'Ohibflll.1nl\er ellleosion ol creOlt on the Account. A noIlce by any Borrower 01 an intention nollObe obligated lor any aclditionalloans on the Accounl shall be considered a reque&l to prohlbil further extensions ol credil. The prohibition shall become etIeclIve as soon as Lenoer can resonably act 10 slOP new loans lrombeing made. AnyBorrowerwltojoinecl inl/'le reqU88llo prohibit furtherexlenslOflS oIcrecftt mustjolo in any !&quest to reaclivate the creoR line lor such requeslto be effeclive I'IETIL.B (05!91I NOnCE: SEE 1A OF 2A FOR lMPORTANT INFORMATlOI'l. zo,nr21 /Rnrrnwm.lr.nnvilMrlAo-OriniMtl M'..~~:r. -'"' !I$ . \~ <t"l ~ OPEN.END MORTGAGE Jfl SO 7 h P (ThIS MllI1pge Secures Obllgatol')' Future A_) THIS MORTGAGE..m.......~..y.rAprlJ .<2!bctwcADBERT E RIGNEY and .WENt" L RIGNEY .~Q7 H 24:H STREET, CANP HILL, PA 17011 (whether one or more persons called "Owner") and P8nnsylvanl a National Bank ("",,0<1 "Len","). One South Centre Street Potts. I lie , PA 17901 WHEREAS, RORt;'RT ~ ,.RUlNF.Y :lind WFNOV L R'IGN~Y (whether one or more,pel'SOJ1ll ealled "Borrower") bas beengranred a HOMF FOIIITY IJNr- OF l'"1RF01T Account (called the "41d-.QIllJt'.) by Le~T with a Credit Limit ..mI It"" nn . as evidenced by an Account A~ent (called the "Agreement") datM lrHlL 20 19 .lL.- WHEREAS, Lender is obligated under the terms of the Agreement to m.ake advances to Borrower from time to lime up 10 the amount of the Credit Umlt;lUHI WHEREAS. Borrower has agreed to repay such <Jbligatory advances and interest thereon in accordance with t~ the Agreement; NOW. mERBFOR~ in consideration or the above premises and to secure to Lender the reoa~~1S. with interest tbcrc:on, advanced to Borrower in accordance with the tenn. of the AgfCement, the payment of all IWIII. J4.~~, advuccd 10 protect the lICCUIity of this MOl1J8&e, the performance of all toVenants contained in Chc Agreement and this M~VWd' all extensions, renewals, modifU:atiooa and amendments of the A&rcemcnt. Owner docll hereby mortgage, grant and convey to Lender all of the following described real estate, together with aU improvemcnts now or hereafter erected, "fb" melD' "ts and appurtcnances thereon, located at: CAMP HILL CUNBERLi'Nlf' . Commonweal" nl '....ym",;.. ("e "Property"). TownahlpiCilYJM..ldpali~ .. eo.... which '9ta8 ccmvoycd to Owner_~ dated l!aorll:llry 28 . 1st4.-, and duly recorded ill the oince lor tile Kecmmng 01 UCOGlJ mAlO Counl)' in Deed &ok No_ lDZ ,Pag'" 397 , Tax fa,"J Number (or other UDiform pan:eJ J~, if any) ... the P.ropcny is thereib descn1Jed and, 0 if checked, all the Propeny is more particularly described in Exhibit" A" , wbich iI attached hereto 8Dd made a part_. Owner aNI Lender covenant and aaree as follows: 1. TI-lIS IS AN ADV ARCB MONEY MORTGAGE-It is e.essly undcratood and agreed that this Mortgage accures, inter alia. tcrtaiD ob1igatoJy loans and advances to be made from lime to time by Lcockr to Borrower pumwlf to tlle Apeement. ",bid! futuro ~ are secured bJ' thD Mortpsc as jf madc on the date hereof. 2. Ovmcr and 8orrowCI" warrant and represent 10 Lender that Owner owna and iI lawfully seized of the estate hereby conveyed and has the right to mortpge. grant and C:OnYcy the Property. and that the PropeI1)' is unencumbered. czcept for encumbranca of rccord. 3. Borrower shall promptly pay to Lender inttrest. priDcipal and any other I1II11S due under the Agrcemcat. In aec:ordance 'with the tc1mI of the Agrecnl.eot. 4. The proc:ccds of any award or claim for damages, direct or consequential. in connect1cm with any coadcamation or other taking of the Propcrt)'. or part lhereof, or conveyance in lieu of condemnation. are hereby assigned and shall be: paid to Lender, 811bjcct 10 thc temUJ of any.prior martpge or security agrccmcat. The proceeds of such award may, at Lender's option, be used to pay the outstanding amount under the Agreement aoc:ured by this Mortgage. 5. &ctpt for any notice required under applicable law 10 be given in another manner. (a) any notice to Ow:nor provided for in .this M0rt&88e shall be given by delivering it personally or by maning lA1cb I10tice by certified mail, addressed to Owner at Ihe addrca of Ihe Pmpcrty or at IlICh ctI:hr address as Owner may designate by notice to Lender as provided hertln: and (b) any notice to Lender nil be given by certified mail to Lendcr". addresIstatcd herein 'or 10 anc:b other address as Lender may designate by notice to Owner.. provided hereio. If notice is given by certlfled roaU, it lIhall be deemed to have bun given on Ibe date of mailing. 6. Owner will not sell, give, transfer, or encumber the Property or any right in the Property. in whole or in part, without Lcndcr'. prior written perm_on. 7. Mortgagor lIball be in default W1der this Mortgage ir Mortgagor breaks any promise or rails to perfonn any dudes contained in this Mortgage or in the Agrccll1ent. 8. On default, Mortgagee, after notice required by law or in the Agreement, may take any actioD allowed by law or UDder the terms of the Apcement or this .Mortgage. 9. Any CJ:teDSion of time ror payment or reduction or the amount due under the Agreement which is lranted by Leader to Bcmower shall not operate to release in any manner any other Borrower or Owner under the terms of the Agreement or this Mortgage. AJI)' r~ by Leader in exerdIing any rigbt or remedy under tbls Monaage or otherwise afforded by appliesbl: law .ball not be a waiver of or preclude the excrciae of any IUCh rlgbl or remedy. 10. Lender's rights 8J1d remedlCII under Ibil Mortgage sball be ewnul*tive and the uercise of any one or more fJf these ria:hts IIhaII not preclude the exercise of any other rights or fCmcdies specifically gral1led in Ihis Mortgage or permitted by law. 11. The covenants and agreernenl$ herein contained shall bind and the riJhtl hereunder shall inure to the reapccti% suc:ceaon aDd assJans of the parties. If man: thaD one Owner signs thla Mortgage, their obligations .hall be joint and several. 12. As additlona1 securil}' bcrcundc.r, Owner hereby assigns tI) Lender the rents or the Property, provided that Owner .hall, prior to the declaration of an Event of Default. have the right to collect and retain anc:h rents as they become due and payable. 13. The State and local laWl! applicable to this Mongaae shall be the laws of the jurisdlcatlOl1 in which the Propctty is located. The foregoing ICllIeDCC sball not limit the applicability of fcdcrallaw to cbis Mortgage. In the event that any provision or clause of Ibis Mortgage or tho Agrcemeot: conflicts with applicabte law. such conflict shalf not affect other provisiOtlll of this Mortgage or fbe A~ whlcIt CQIJ he given <<feet without tM conflictin& provisiun. and to'thia end the provisiORS or this Mortgage and the Agreement are declared 10 be severable. 14. Owner agfCClmat any interut payable arltr a judgment is entered. or on additional ~s aclvaaccd, .ball be at the ..me rate as is I1a.ted in the Agreernent. 21~86240015 PROVIDED. JUlvenhe1css, that .bou1d Lender'. obligations 10 make advallCCl to Borrower pursuant to the teml8 of the Agreement be termlDated, and provided furthermore, that should Borrower pay in full all 8UmSlCCurcd by this MongBge, then. on written demand of Owner, Lender ....11, within 10 days, either satisfy this Mortgage or record or deliver a written release or this Mortgase to Owner. SEAL) SEAL) ~\ -,~....., i i ..-..~~B1ib..1 MOR.T-P2 (01196) (EORROWERS.\WPlfrILE-(lRIGIN.-.tj EXHIBIT , " 8 .' - 'v ",.1 .~- : :~, .~ t . .-r. i; .' -~;\, " .flit~_ ,~ = I ~~~ ': "c~.i' ~'. -! ,:2~iir6t~:O~~;.'.' :' "";~""'.""'J_'~":'''',"':''~_''.__:;-: (/ sonCE '11iis- .i'iA-avilni:e:~' . ,M _." " - ,_." ".' .",," j, -'<Yilr- ~- c,_ ',.'" --,.."-'....ui;.:.."<.;;~. IC.ftO'i&-'-:':~"'~~~':'r,';-~,\,,~: ~.~."...~..,.~.".....,.~~j...~"l'..~. L,#~. .'::....Il~.t;.::S~~B::...=,fl.j~4'~.,!i1i!~~VJ#rtG' ...NrlOY''''lio.Jlf';''iY.iiii\lii'lieili>''llI!!iij; .....a!"'..!l'.._.... .. ... ... ... ., .' , :. 1tBQUEStFO'R'NOTI!!ll! SFD:EF~'\!1LT AiNO FQR.EO"oS)j7'RE UNDER OTflE'RMOll.TGAGES ()wnci:atl;d)..e~-~ -tb~ tl.ol~ O1'iall,Y~O~g~...-:Od:i,Ci'_l;i.~:ma~e"OJdbe,.~--w.:notifY ,LetlilC't.-;at~,~.~;;t~lOrtb..- ." lJeIow .or~~~:_~-.-'" " . ~ri/tnai,:':'":"-~_,~-#iw~.or-tenaerfj:-',~i~-jjM'iitn. , _ _ -.' ,: ",--' J ~,~.' .'\I1j!\\J'~ll:<1>.~ ':dT~.,jjiii,.tt.:.~.......,l'ililne :iadh :ciifitj,~..jt.riiiitPift;f...Vl'l:!!..flj; 't7:.a0:~: On'bC~td~r. ." -, "". "". -. - - , 11)" Tide: C.OMMO~OF I'lllmSYLVMaA GOIIN'I'Y'~ ~llW-.l 'IS ..,~' - t~9B ,...rw.m.. '" 00"",, tbe,l!/4 "",.,lMl'I1 tbe~_._llt.', :' ....~.J._-.(.J. . -....~..~..t,.<. "'~~.,"", _ Qccukd:Cbc~Cforthe-.---hctcinomtaiDtdanddesired.it~~~.," . -)\ . ..,..........-.- IN VlrlN'I3$$ .waaltBOP. [Jtavc hereunto llCt my bJrut -and official_I. My-CorDIInisIkm: E~: nlle.of omcer COMMONWEAL1'II OF PENNSYLVMaA Looo No.27S8&240015 0P..Elm M<mm:_, " . .,., ", , - -. .".-- :: ~'_:-:-': ~:":':. .:" :'~.' . :;:~?~f(,:':-..-,.i~, 0,1.. ~...-;., 'c., 1I0BElIT E '1I1SHEY ".~..0.. "I t Dt,.O. WENDY L III'BNEY (;"MBERLAND COUNT \ - f'A 207 H 24TJI SlaEET en CAMP HILL. PA 1701 ,S81'1RY 12 Ar! U "4 TO COMMONwEAutH;OF.'l'I!./ilti$tj;V;A'NIJi; COUNTY OF CUIlCElIL'!J1l1i Rncordedon lI1lI I ~ '\ of(Y\~ .. ,,~P ~ lhD R_.~Iot$ld~"j.j~.. ----' 'lis Pennsylvania National Bank 130 Court Street P.O. Bolt 3187 Williarnsport, PA. 17701 HELMORT2 (01197) . '...'I'C;9:raa. BOO'-;!':"",fI',i!"d!l$::.; (BORROWBRS-l COPVlFJLe-oRO~,; ~.'9: ' . _~__""~,~;; ,;'j:;;;;:",.~:..~.;,h',iS:';' ,,; ,,~-.';i"t.i;m,.-, .- "q.-;:~"< ... ";;, OJ-- ~.... "".",. ..,,' ,~.;;,f."i~ e4/e7/1g~a 10:10 /iQW e. 41~3111ae TA FINANCIAL ,PN:E. e.. 13 -'- RO/Jt:ftr ~.ll[aLI!l\ THIS DEED, CIJ~~~~~~~~ ~~:::~~,.,. '9~ I'Il1ll 7 Pl1 ~ 03 tlM)Ji 't'HS il1r day o~ r~~ in t:.tt. year ot ~r LOrd on. tnou..n4 ~1n. k~~" nl".Cy-r~ (1.g~). .~lItJtN At.&xANOCA ~ ..IlA4LJ~~ I::lC.ll3utotc .ot tl'o. "t..t:4 _c e~_r.no. ..rtl.tt .p~..~.. .'kf_ c. ..r~~.~t .pr&QU., d.oa..ed. .l.~. o~ Cha aoroU4h at C..p K!ll. C~ab.rl.n4 County, P.nn.Ylv.~~ G...lr\wr. anc! JltO.1tRr &. a.l'GKJtY an4 II&MnY L. 1\%GtlI:Y, ho.aaband. 2'~2 Horth ~ourtb .~.WG~, ~~r=!~~~~_ D~nn.yl~ania ah4""if:a, ot 1'110 eo..ant.._ W%THE*8ETH, ~b.~ in oo"_1..ratlon of .~9h~v-.1~ht ~u..nd (...,OOO.OQ)-- ---~----------______ Qoll.ra, 1" b.ahod paid, 'Cb. E:'&o.1pt. whoar.Dt 1.& h.r....v .<t.knov:a.ad"... ~. ..id IIJrant;olC' do... h.~"Y .can't and ~"'.r t.o It:ha ..1d 9Z'.nc.... ~h.lr haies .nd ...iV"-. .. 'tenant. by tn. antlr.t1... ~ c.a.c O'ert:.a1n pl..ce QC" ,,_.ru.~ or I_nd .1C'''l,~ In elle 8araWjJh o~ e._p Kill. Coun~y .( Cu~~1.nd .nd .~.t. of P~nn.ylv.n~.. ~r. ~~~~G~L.rly bD~4 .n4 d.~crl~4 .. tollowa. ~o witl e~X~"~KQ .~ . poift~ on tft. ...~.rn lLn. or TW.nty~~ou~~~ .tr..t ~;~~~:~~~-:~o:;.;::~~y~:~r~:1:~::~nvr:~(i~.(::2~:::t-::::::d of 'I'w.nt.y-faut:"t.h .f\C1 ~.n at:.t"t.t.z t.h_ne. in .It ......t:..r1.y 4~~.~tlG~ .10n. tb_ ftQrth.rn 11n. o~ :a..n4, ^D~ ~ 1.~., .~ JOhn b. W..V.r, on. hUn4rad ~nd Eor~y t~40J feot, .o~. or 1... co LOW' "'11..)1'1 th..r\o. .l.n. nDrt.h.r\y dLr.o'::1on. .lOnQI t:.ha __uz:-n l1no o~ Lev Allay riZcy (.O) r..c to tho .Outh_=n 1!~. o~ lend, nov or 1.t.. or ~.rla. ~. aow.an; ~.nG. in .. ~Dat.~ly 41r.otlun .:a.onq ...ld 1..'1:. _ntloneG. 11(\& 81'" hunch;.d and .tort:, (l40J ~a.~, _r. :~o~:.~_t:.~:~~Yif~:r:~ ~:~~~~r~:~:.6~~.:~.r1i~~lo~~~:~1:: ~h. paint: or pl&Qe of UECX_MX~C. a~IHO Lat. HD.. 3~. " end Cha norcharn ~.n (10J r..~ or LOt ~O. 25, __ .bown on ,Ian ot l~t. la.td O~~ by H. C. Z.oh.~1_. In ch. 'Bot'O\Ir;rh or C..p 11111, ..14 pl..,. bal"9 iC'.oord.d 1n the Cu.bar1.~4 County kaoocdac'. ocrLc. in Plan .Qo~ ~. P-9* L. HJ;,v:r)1Q 'Char.an *r.aqte4 . Cwo and on.-h..lt .~a~r .f.r." "...,11.1"9' hou.. and !raMe 9&rag., known .. NO. 307 Nortb a'th &~..t. c..p n111. iOGf.. 1.Q1, ?,W'. 39"1 I ~BIT ~. f"~~J.:.%:'_~~tt',!,,; ~,*,~.~tl""\''Ii'{",~~~~oO\)'r~. . ,., ....... .. . ... ... .. I . '.' ......~f.~:'~:..,~:-,~i"~f'\',,,~~:~~~~k~:'~'" i , I I I I . 1m-- I ~.\ I, 84/87/1998 10:1a 41:15311189 '~!1~~~~~~ / TA j::'INANcIAL PAGe:" as , ","" ..Z-tlO t.h. .... protll1..., "hi-oft C. .uc.J..c.~ 5pr_.u. ."do P\nn F. ap'C'_"u." h1-_ "'1.f., by t:h.l'r d." ._but "."UI...." .. 1....,. ,."d recorded in ~~ Of~1o. o~ tho ..oowd.r o~ O..d. in tn4 ~O~ Cud.~l.nd .cunt:y in: Dea" hoJc _011I,,1 Vo1-. :12* .... .,2:, 9r."t,'.. ."4 oonv.ye4~O C. ..r~.~t ..~~J. Th_ ..14 C. B.~tl.~~ .pro.",.. .,1..'0 k'ftO'llft .. c:.l_.W',o,"" ...I't.l"~t:. .~.9\l1. d:t__d1 on Sanu&ry 1" I 1...4 ."'45 ~.J;lri.nt. b "1. :L...t:. "'U1I .'tMI ~..'t...n~ duly pr~~.d ~ ~h. OI~~o. of th. ...i.~.r 01 M~ll. In .~ ~or c:u..be~1."'no' co.1\~Y _ ..n"",yt..""...,J,a. A-i....J\Cl.r p"-.;.,,.. spra9111.. t.h. Grant.or hel:"o!.1\ va. .ppo~"~'." '.. &'aCanNt.ot:' 01 ~.h.' &.t:;..~. '1h .~~.dlft" do~.~ ~ ..~.~. Woo 31-'4-". And ~h. ..1d .r.~~o~ h.~.~V =~v.n.ft~. _ft4 ..r..a tb.~ h_ wlll v.~r.n~ *>>eolol.y ~he pc...~cy bar.by c~nv.Y.Q. 1M WrTH'" ~RBO.. ..14 9~.n~or h.. b.r.~nto ..t hi. band &n4 ..0' ~h. 4.y ahd Y..~ ~\~.~ ~y. ~1~t.". 4t~~~~.~l ~r oC" &.~.t:. 0 . Cl.r.....04I Prtl4.t;,t:, .P~.9U. ./k(. C ~ "Z"1C1~-t. IPJra9". aIGtlED. $~.Lao _n4 D&Lx\JDao ~f ;ij~ ST^"'J: 0'" patncatrLVA,tlIA. ...-. COU"~ O~ CUMaKR~D Oil t:hL.., ~b. j'JA.- 4a" of /=t"....'"/ . 1.994. be.t'oC". .... tbe und~.1.n.4 o~tio.~. pwcaon.l1y app..ra4 ~1.~.n4.r Pu~.. sp~a9>>'" Bx,*outor of 1:,ho &.~.t. o-C Ql.~,."CC ..y-~1.-tt". 'p,.:-e9!o1G elk,. O. .~..I.~l..t:t. .pr.9,..... )tnevn t:e _ (9~ aat:.-l.-ClilQ;tQJ:;1.1y pY'OV81\) to Oe toM ~I'''o''' VIIo" no_ U "...art... to tile 1(1U 111 in.'t;.lruaant... .rut .oIuIow,)...... tJ\.~ h. exeRted 1:).. ..._ "0" t.ho _ pV;~po". thel:'-eln oontatneG. .. ....~........ nr W.l'l'1fU. W&RIlO.... Z hatafolnCo ..t: -r hattd _!,d '" .~~:;:" _.1. ~ '- -. , eGOA' 102 loICf 398 0' . :0.'1' ~~l . ..;..~ " ,:^ ~,.."-j-',', q,-~ .::;;;';;'~l;lIr5i- '.W""""'"""ff,.-" -~. <,~ ~! 02/10/00 THU 17:38 FAX 570 ~28 9231 KEYSTONE COLLECTIONS ij~004 Ke~ ~ Finanda~' P.o.1lOK '384 POJ'T'SVILLE. "" '7901 p "'11" C!"t2 11"t ~ PHONE: HOlHl9S<<104 fAll: 71NI2a-9a. VIA CERTIFIED MAIL NOTICE OF INTENT TO FORECLOSE MORTGAGE Mr. Robert E. Rigney 201 North 24th Street CamP Hill, PA 170B Date: December 23. 1999 The MORTGAGE held by Keystone Financial Bank, N.A.. (hereinafter we, us or ours) on your property located at 207 North 24th Street, Camp Hill, PA 17011. IS IN SElUOUS DEFAULT because you have not made the following monthly payments: $17.35 for September 20, 1999; $575.09 for October 20. 1999; and $569.1 Hor November 20, 1999. Late charges (and other charges) have also accrued to this dale in the amount of$17.07. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1.i78.66. YOII may cure this dl!fault within fflIRTY (30) DAYS oflhe date oflhis letier, by paying 10 us the above QJIl()unt of$1,178.66, plus any additional monthly payments and lale charges which may fall due during this period. Such payment must be either by casb. cashier'8 check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville. PA 17901"1384. 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 tbe original amount borrowed will be considered due immediately and you may lose tbe cbance to pay offtbe original mortgage in monthly installments. Iffbll payment oftbe amount of default is not made within THIRTY (30) DAYS, we also intend to instrucl our atlorneys to start a lawsuit to fOl'eclose }'Our mortgaged property_ If the mortgage is foreclosed, }'Ow mortgaged property will be sold by the Sheriff 10 pay off the morlgage debt. If we refer your ease to our attorneys, but you cure tbe default before they begin legal proceedings against you, you will still have to pay tbe tellsonable 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 fecs will be added to whatever you owe to us. which may also include our reasonable costs. if you Cure the default within the thirty day period. you will not be reqllired 10 pay attorney'sftes. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. !~~~!~F1f.r.'.,..,<.;II~jT . I" :It::J ~!".. '."i...... ."'-"&0'",: - " '< ,-. -~,""~, '","1<,;,,: ~ ~ ~_.~- ~~ " " ~ ~I il[~ 02/10/00 THU 17:39 FAl 570 628 9231 KEYSTONE COLLECTIONS 1i!~005 NOTICE OF INTENT TO FORECLOSE MOR.TGAGE , ' If you have not cured the default within the thirty day period and foreclosure proceedings have begun, YOlIstill have the righi to C/lTe the default and prevent the sale al any time up to OIIe how before the SheriJfs foreclo,lure sale. YOII may do 110 by paying the 10101 amolDll of the W1paid monthly payments plUlJ any late or other charg/18 then dIIe, as well as the reasonable altONley's fees and COSIs CQflllecled wilh Ihe foreeloslO'e sale and perform any olher TeqIIiremenls rmderlhe mortgage, It is estimated that the earliest date that the Sheriffs sale could be held would be February 23, 2000. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895-9304. 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 Sheriffs sale will end your ownership of the mortgaged properly and your right to remain in it. If you continue to live in the properly after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property, YOU BA VE THE RIGHI' TO SELl. THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO }Jommw MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIllS 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 MOR'l'GAGE DEBT, PROVIDED TIlAT ALL THE OUTSTAlWING PAYMENTS, CHARGES, AND A1TORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SA11SFDi:D. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU SAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY ACTING ON YOUR BEHALF. if you cure the defaull, the mortgage will be reslored 10 the same posilion Q.J if no default had OCcll1Ted. However, you are not entitled to this right to cure your default more than three times in any calendar year. Keystone Financial BIDk, N.A. ~~~ ~s;;rLi JCUdnn 02/10/00 THU 17:41 FAX 570 628 9231 KEYSTONE COLLECTIONS 1i!I009 Keyston~ FinanCia~ ' CertIfied Article Number , ' p '17'1 2'12 /32D ~ -- .--------- P.O. BOX 1384 P<1TTllV1l.LE, PA l'1'aOl PHONE: l.eoo.aOW304 FAX: 71'7~31 VIA CERTIFIED MAIL NOTICE OF INTENT TO FORECLOSE MORTGAGE Ms. Wendy L. Rignl.'Y 207 North 24th Street CampHill,PA J70Il Date' December 23, J 999 The MORTGAGJi; held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property 10!'llled at 207 North 24th Street, Camp Hill, PA 17011, lS IN SERIOUS DEFAULT because you have not made the following monthly payments: $17.3 5 for September 20, 1999; $575.09 fur October 20, 1999; and $569.15 for Novembl.'r 20, 1999. Late charges (and other charges) have also accrued to this date in the amount oUI7 .07. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $i,178.66. You may cW'e this default within THIRTY (30) DA Y.Y of the date of this letter, by paying to UJ! the above amount oJ$1.178.66, plus any additional monthly payments and late charges which mayfall due during Ihis period. Such payment must be either by cash, casllier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. If you do not CUre the default within THIRTY (30) DAYS, we intend to exercise oW'right to acceierate the mortgage payments. This means that whatever is owing On the original amount hol'l'Owed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. Iffilll payment of the amount of defauit is not made within THIRTY (30) DAYS, we also intend to lnstn<<it OW' attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, YOW' mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure lite default before they begin legal proceedings against you, you will still have to pay the reasonable llt\Omey's fees, actually incurred, up to $SO.OO. However, ifll.'gal 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 to 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';;fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. EXHIBIT E .' I lIIl" ~ ~ . ~ - ~ ' I -I ~ Ii,' 02/10/00 THO 17:41 FAX 570 628 9231 KEYSTONE COLLECTIONS ~~ 010 , NOTICE OF INTENT TO FORECLOSE MORTGAGE , ' If you have not CIIl'cd the default within the thirty day period and foreclosure proceedings have begun, you stiU have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs ftHeclosll1'e sale. You may do so by Jl'1Ying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable anorney's fees and costs connected With the foreclosure sale and peiform t11Iy other requirements under the mongage. It is estimated that the earliest dare that the Sheriff's sale could be held would be February 23, 2000. A notice of the date of the Sherifl's sale will be sent to you before the sale. Of coutse, the amount needed to cure the default will increase the longer you wait. You may fwd out at any lime exactly what the required payment will be by calling us at the following number: (800) 895-9304. This payment must be ,in cash, cashier's check, certified check or money order and made payable to us at the address slBted above. Yon should realize that a Sheriffs sale will end YOlir ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. Yon have additioDlll rights to help protect your interest in the property. YOU HA. VE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, oa TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAYHA VE THE RIGHT TO SELL OR TRANSFER THE l'ROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES, AND ATIORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CmCUMSTANCES THIS RIGHT MIGHT EXIST. YOU IfAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY ACTING ON YOUR BEHALF. 'qyou cure the default, the mortgage will be restored to the same J108ition ClII ifno default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Keystone Financial Bank, N.A. ~~ ~.. ~s;rL JCUdM 02/10/00 THU 17:39 FAX 570 628 9231 KEYSTONE COLLECTIONS ~006 l(~ ~ RnanciaV' P.O. BOX 1384 POITSVILlE, A\ 17W1 PHONE: 1.08Dt>>9S-9SD4 FAX: 717-lJ28.9:l31 ACT 91 NOTICE 'TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEAL rn OF PENNSYLVANIA'S HOMEOWNER'S l';MERGENcY MORTGAGE ASSISTANCE PROGRAM MAYBE ABLE TO HELP YOU. READ THE FOLLOWING NonCE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the :Pennsylvania Honsing Finance Agency at (800) 342-2397. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AF:ECTA SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. SINO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTI: LLAMANDA ESTA AGENCIA (pENNSYINANJA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGIBLE PARA UN PRE$TAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANC:E PROGRAM" EL CUAL PUEDE SALV AR SU CASA DE LA P:ERDIDA DEL DERECHO A REDIMIR SU HlPOTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ TillS NOTICE. YOU MAY BE EUGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS RE: Mortgage #275862400]5 December23,1999 TO: Mr. Robert K Rigney 207 North 24th Street Camp Hill, PA 17011 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 1790i-1384 EXHIBIT F I ';j\; 02/10/00 THO 17:40 FAX 570 628 9231 KEYSTONE COLLECTIONS 1i!J1007 5.. __..: , . You may be eligible for tbumclal assistauee that will prevent foreclosure OD YODr mortgage if you comply with the ~rovisioas Drthe Bomeowner's Emergeuey Mortgage AssistaDce Act oum (the "Act"). YOD may be eligible for emergeaey cernporary assistauee iryour default Itas been caused by cireumstaDees beyoad your coDtrol, you have a reasouable pfOSpeet of resullliDg your mortgage paymellts, and if you meet other eligibility requiremeDU utabUshed by the Penasylvania Housing Fiuance Ageney. Please read aD oCthis notice. It contains lU\ explallation OCYODr rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose ofthi6 meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. If you atteJld a face-to-face meeting with this lender, or with a consumer credit counseling agency identified ill this notice, no furthel' proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone nllmber of our representatives are: Mark A. Munster Regional Supervisor One South Centre Street Pottsville, P A 17901 (800) 895-9304, Ext. 9373 Janet C. Little Loan Adjustor One South Centre Street Pottsville, PA 17901 (800) 895-9304, Ext. 9892 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Servi~ of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or (800) 220-2733 from area codes (717), (570), or (814) Commission on Economic OpportuDity oCLlmlme County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-0510 or (800) 822-0359 or (570) 455-4994 from Hazleton Housing Asso. & Development . 411 Walnut Street P.O. Box 1505 Allentown, PA 1810S (610) 432-6336 Economic OpportuDity Council of Reading and Berks County 229 Founh Street Reading, PA 18601 (610) 376-6571 or (610) 376-6570 It is only nc:cesSill)' to schedule OIIe face.ta-face meeting, You should advise this lender immediateiy of your intentions. Your mortgage is in default because you have failed to pay promptiy installments of principal and interest. as required, for a period of at least sixty (60) days. The total amount of the delinquency is $1,178.66. That surn includes the following monthly payments oC: $17.35 for September 20, 1999; $575.09 for October 20. 1999; and $569.15 for November 20, 1999, plus late charges in the amount of $17.07. ~~ .,' " 'lllt 02/10/00 THO 17:40 FAX 570 628 9231 KEYSTONE COLLECTIONS ~b 008 !; ....-.. " ' , , If you have tried and are unable to resolve this problem at or after your face-to-tilce meeting, you have the right to apply for fmancial assistance from the Homeowners' Emergency Mortgage Assistance FUl1d. In order to do this, you must till out, sign and file a completed Homcownen' Emergency Assistance Application with one.ofthe 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 filling out your application and will submit your completed application to the PeMsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-ta-face meeting. It is mremely importlUlt tf,1It you ftle your flPplicario" promptly. q you do lIot do so, or if you do lIotfollow the otAeI' time periods setforth ill d,is letter,foreclosure may proceed againstyou1' home immediately. Available funds for emergency mortgage assistance at'C very limited. They will be disbursed by the Agency under the eligibility by dIe Act. It is extremely important that your application is accurate and complete in every respect:. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the lime requirements set forth above. You wiD be notified directly by the Agene)' of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029. Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free nwnber). Persons with impaired hearing can call (717) 780-1869. In addition yon may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose" . You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Sineerely, ~ ~ ~:;;rLit JCUdnn 02/10/00 THU 17:41 FAX 570 628 9231 KEYSTONE COLLECTIONS ~011 Keystone ,.J; Rnancimw' , 'r r P_O. BOX 1384 P<YrTSV'LLE. PA 17901 PHONE: '''00--895-9304 FAX: 7170628-923' ACT 91 NOTICE TAKE ACTION TO SA VB YOUR HOME FROM FORECLOSURE lHE COMMONWEALTII OF PENNSYLVANIA'S HOMEOWNER'S EMERG:ENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW n-ffi PROGRAM WORKS. [Cyou need more information call the Pennsylvania Housing Finance Agency at (800) 342.-2397. LA NOTIFICAClON EN ADJUNTO ES DE SUMA lMPORTANCIA, PIlES AFECTA SU DERECHO A CONTINUAR VIVIENDO:EN SU CASA. SI NO COMPRENDE EL CONTENIDO DEESTA NOTIFICACION OBTENGA UNA l'RADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENClA (l':ENNSYLV ANIA HOUSING FINANCE AGENCY) SIN CARGOS A1.. NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA D:E LA PERJl)IDA DEL DERECHO A REDIMIR SU HIPOTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ TmS NOTICE.. YOU MAY BE ELIGffiLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS RE: Mortgage #27586240015 December 23. 1999 TO: Ms. Wendy L. Rigney 207 North 24th Street Camp Hill. PA 170il FROM: Keystone Financial Bank, NA. P.O. Box 1384 Pottsville. FA 17901-1384 I~ - ',-. .~ . ,~ ' .-~, 02/10/00 THO 17:42 FAX 570 628 9231 KEYSTONE COLLECTIONS ~~ 012 .-_....~.. " r I ,. " You may be eligible for financial assistance that will prevent foreelosure on your mortgage if you comply with the pl'OrilIioDS of the HollleowDCr'S E:mergency Mortgage Assistance Ao:t of 1983 (the "Act"). You may be eligiblc for emergency temporary IISBistallce if your default hllll beeo caused by circumstances bcyood your contl'Ol, you have a reasonable prospect of resuming your mortgage paymeots, and if you meet other eligibWty requirements established by the Peansylva,da HOWling Fin"uce Agenl:)'. Please read aD of this ootite. It contains an aplanation otyour rights. Under the Act, you are entitled to a temporary stay of fureclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a nface-to.face" meeting with a representative of this lender, O! with a designated conswner credjt counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otheiwise settle your delinquency. This meeting must oeeur in the next thirty (30) days. If you attend a face-to-face meeting with this lender, or with a conswner credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place fur thirty (30) days after the date of this meeting. The name, address, and teiephone number of our representatives ue; Mark A. Munster Regional Supervisor One South Centre Street Pottsville, P A 1790 i (800) 895-9304, Bxt. 9373 Janet C. Little Loan Adjustor One South Centre Sa-ect Pottsville, P A 1790 I (800) 895-9304, Ext 9892 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit COWlseling ServiCe of Lehigh Valley,lnc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-40 II or (800) 220-2733 (rom area codes (717), (570), or (814) Commission on Economic Opportunity ofLuzeme COWlty 211-213 South Main Street Wilkes-Barre, PA i8701 (570) 826-0510 or (800) 822-0359 or (570) 455-4994 froJll Hazleton Housing Asso. & Development 411 Walnut Street P.O. BOl( 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading 8I1d Berks County 729 Fourth Street Reading, PA 18601 (610)376-6571 or (610) 376-6570 It is only necessary to schedule one face-to-face meeting_ You should advise this lender immediately ofyoUt intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as l'equired, for a period of at least sill.ty (60) days. The total amount of the delinquency is $1,178.66. That sum includes the following monthly payments of: $17.35 fur September 20,1999; $575.09 for October 20, 1999; and $569.15 fur November 20,1999, plus late charges in the amount of $17.07. - ~~ -Iii, 02/10/00 THU 17:42 FAX 570 628 9231 KEYSTONE COLLECTIONS ~b013 ...,:~{.~ , I r .. , , 1 If you have tried and are unable to resoive this problem at or after your fllce-t<J..face meeting, you have the right to apply for financial lI$sistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homcowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for lI$sistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application lIIIC\ will submit your completed application to thc Pennsylvania Housing Finance Agenoy. Your application must be filed or postmarked, within thirty (30) days of your face-t<J..facemeeting. It is u:t,eme/y important that jIOufile you, ilpplication promptly. If you do IIot do so, 0' if you do IIi1t follow the othe, time periods set forth in this lettu,forecIOlu,e IIIl9' proceed against )Iou' home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility by the Act. It is extremely important that your application is aoourate and complete in every respect. The Pennsylvania Housing Finance Agency hll$ sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, pennsylvania mos. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a ''Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania Jaw. However, if you choose to CllIll'Cise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. JCIJdlUl - '"-'.". ,-,'."'....."~.~ ~~ ~~t /'\ SHERIFF'S RETURN - REGULAR CASE NO: 2000-01008 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS RIGNEY ROBERT E ET AL RICHARD E. SMITH , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon RIGNEY ROBERT E the DEFENDANT , at 1010:00 HOURS, on the 7th day of March , 2000 at 207 N. 24TH ST CAMP HILL, PA 17011 by handing to ROBERT RIGNEY a true and attested copy of COMPLAINT - MORT FORE together with NOTI CE and at the same time directing His attention to the contents thereof. Sheriff's Costs. Docketing Service Affidavit Surcharge So Answers: r-~~~ 18.00 9.30 .00 10.00 .00 37.30 R. Thomas Kline 03/08/2000 DUNCAN AND OTTO eputy Sheriff Sworn and Subscribed to before By: me this ;''1 't::. day of /ItI~..J..J.1.uvO A.D. ~ f2 ~ ~, Prothonotary' , . \. I, " H"_",,",~'" J~" "-, .'~ SHERIFF'S RETURN - REGULAR CASE NO: 2000-01008 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS RIGNEY ROBERT E ET AL RICHARD E. SMITH , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon RIGNEY WENDY L the DEFENDANT , at 1010:00 HOURS, on the 7th day of March , 2000 at 204 N. 24TH ST CAMP HILL, PA 17011 by handing to ROBERT RIGNEY, ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with NOT! CE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: r~~ R. Thomas Kline 03/08/2000 DUNCAN AND Sworn and Subscribed to before By: me this .2,,'*'- day of ~ ~ A.D. 0, a~ - ~~thonotary ,~ . I J '"~ ~~ ~si,1 KEYSTONE FINANCIAL BANK, N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL NO. 2000- 1008 __-BDBXI.,:,t-K._.ll:r~ ..aBcil___________: Cnuv-AI Tl\l.j I'M vnVTCACli" VnllF.cr.O~lTRF.: WENDY L. RIGNEY ----------------------------------------------------- ------------------------------------------------------- ----------------------------------------------- -------------------------. PLEASE MARK THE ABOVE CAPTIONED ACTION SETTLED AND DISCONTINUED. ---------------------------------------------------------------------------------------------------------------- To: ------------.Prothonotary _ Apr.=!;!.p, -~!l.!!!l-.----..-....-19 WILLIAM A. DUNCAN, ESQUIRE - 1l,;1.!illJlr~" .....~liMlill~~~'I" ~, ~, ",c -- ."-~". .....Ii C) C -o~ rnre: Z. ~," -......., z'-;-. a~~c ;:;'C' ~ -Y"-" ';2:..../ .:;;::::Ci yc Z, -< c> co ~~ -~ ~-.-. -~ k; o '-n. .-l c:: ~:,-.' ~ _.~ C.'-) ;::~I;rt '~=l 5~ -<. r:-;> . , c:S ,