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Home My WebLink About00-01009 - ~L ,-, .. '- < '", ( . ( KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : Cl!VIL ACTION - LAW PAUL MATTUS AGENCY, INC., PAUL MATTUS Defendant : IN MORTGAGE FORECLOSURE : Cl!VIL TERM 2000- 1007' NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER 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 DO SO, THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 -C.'" '~i , " KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. : CIVIL ACTION - LAW PAUL MATTUS AGENCY, INC., PAUL MATTUS Defendant : IN MORTGAGE FORECLOSURE 2000- /110 q ~ 1.4-<-- : CIVIL TERM COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., formerly Financial Trust Company, 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 1415 Ritner Highway, Carlisle, Cumberland County, Pennsylvania 17013 . 2. Defendant, Paul Mattus Agency, Inc, Paul Mattus, an adult individual resides at 514 Partridge Court, Mechanicsburg, Cumberland County, Pennsylvania. 3. On or about July 3, 1996, Defendant made, executed and delivered to Plaintiff a note and a real estate mortgage financing Forty-five Thousand and 00/100 Dollars ($45,000.00), 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. 1\'--- - J ~Jilt.~, ; 5. Paul A. Mattus, is the record owner in fee simple of said premises subject to said mortgage, by virtue ofaDeed dated August 24, 1998, and recorded in the Cumberland County Recorder's Office in Deed Book "184" Page "67", more specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 6. Said note and 8aid real estate mortgage are in default because Defendant herein has failed to pay the payments that were due and owing for the months of January 2000 and February 2000. 7. The Plaintiff has given to the Defendant written notice of intention to foreclose on said mortgage as required by law under Act 6, dated December 2, 1999, a copy of which is marked Exhibits "D", 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 2, 1999, a copy of which is marked Exhibits "E", and attached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of Twenty-nine Thousand Four Hundred Forty-nine and 42/100 ($29,449.42) Dollars, with interest thereon at the rate of 10.50 % percent (10.50 %) per annum computed from January 31, 2000, along with late charges and attorneys fees now due and payable. 10. The Defendant is liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $ 27,421.02 B. Late Charges 626.05 C. Attorney's CoBection fee 1,402.35 TOTAL: $ 29,449.42 " ~ 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 Twenty-nine Thousand Four Hundred Forty-nine and 42/100 ($29,449.42) Dollars, together with interest thereon, costs and all other amounts advanced by Plaintiff ~ ~'i "'-.. .J "'C . .. 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 subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. V. Hutchison Sr. ice President Keystone Financial Bank, N.A. 241-0060 FINANCIAL 1RUST 015 P02 .rAN 06 '00 15:44 OMaApiW'RiINo.=~gii:O' u.s. Small Busltt...... Administration ( su I.O~UMBER .~ . ~ . LOP9345813002 HBG NOTE HARRISBURG. PA (CIty II/ld 5mm) (IlaIe]: JulY 3, 1996 $ 45,000.00 For..-ue IIIC>IlIV<Id, ttuo ~ __10 PlJt 10 1IIe...- 01 PENNSYLVANIA NAnONAL BANK AND lRUST COMPANY 1II11a _ 11I1110 clty 01 HARRISBURG, ... Dl Pennaylvanltl. or lit _.. ~ all!UCl1 _ pllICa ... may be _g-.led !rom P.... 10 time by lhe _.... Forty rIVe Thousand" 001100 DoIIIll8. _ '-.... UJIIl'Id _p.oI compu1ed ""'" IIIe _ 01 eocl1 od\lllllCe 10 II1e liI1~gntld alll1e AIle 0110-250 '* _ per """""" payment 10 be.- In __ "" IOIIows: NOte llIIl'- SlEVEN (7) yearte) from _ 01 note _ InI_ 1IIl!1e """' 01 TEN AND ONi$.QUARl'ER perc:enl (lO.2S'lfo) per _um in hlslallmenl8, Inc:ludlng prinCIpal and '-' _ In \Ile amounl 01 $7!l:t.DO payable lMaII1IV lleQIIIIIlng THE RRST DAY OF THE SECOND mQ1lIb(S) from dot.. 01 Note and the _... 01 prlnClpBJ and _ JII'Ylllll8l11 rnatUl'IIy; _the Iutther provision _ _ ""'" Installment ""11II be applied 11m to In_lICCrued 10 II1e _ f>1_pt oIlIIIId __lied IIIe 11II_11 any,lo the prlnciJl<</. 1118 No1e.II_, ""11I1 _._ _A8IlI. ~Arr-_1I1e InItIBl_A8IlI_".,.. be8dJusted. upo. dowII. ClIWlTERLY at". """ OIlWO""""", (:2.IlOS) per mnum overllle __ PRlIIE RATE al_... pubI/sIHId each __ day hll/r.. IoIoft8\l_ SeeIIon alllle w.u ~ JoumIII, __ "*......!lame file on CllIJIOI'lllII_lII....U. S. Maney Center COnIm__", The "w:1UaIInll CIlIInll8 althe """ OIln1_ _n _ be ""!ermIned """ _e -.. ... al_ _ _nMS d8V or the monln _InD tile dlle allnltllll_ent and tba"..Ib.. ttuo V_Ie nile sull be !lilt on l!1e IlnlI b..-- day 0I111e month lOIIowlnglhe end 01_ QUARTER. Holde. .....uld 81"'1 _ nollce 10 IIIe undersIunecl of -" 1_ 0. __ In l!1e In1enPlI mlewlthln 30 dajtsllllcr tho ._e delle al _ rate cIIIlnge; _III', \II. "_00 allho 1nIen!eI rate 18 not oon1Invont on wheIIII!!r the no_ Is given. Should lhe prime rate '" Int1!11!St a1lpu_ eIlOve nol be published on "'" _ _ IIlOV., Ihen III.. laaI pIOlCeIlfng pIlb/toned ptlme _el tale _I be govemllllllal' 811 plllpOS8S under ttuo terms or me Nole. if Ute "-lllIeo1- be In delaUU In Pf.YIIIeal dllilt on IIIe ~ _llIld IIIe ___ Admlnl$ltllUol\ (SBAl pureh"""" lis 0.......'_ portIon ollndebtedneos, tile rate al_on \be __ ond IIIe ~"'_ pG<f!on -.. _,1Iec:ome _ III !he rate In eIIed ... alII'" 11\1110II_ al_. If lIIe -_unOld _ nOlIle In de_In payment of 1_ MIIIor prlJICIP8l,11Ie fnleresl """ on !he _teed end the unguaranteecl portion _n ol1alI be _ III 11I0 rate In eIIect lIS 0I1IIe _ 01 purc;IQ>ole bY 58A. Lender IIlI$ lIle rlghllo raJa or ICWer the monthly JHIYIIllllltlll _ suen payment wlU ..._ lint Nole _ II1e llOunllS of II1e slllled melu.lty. If IhIs Nolllcontl8ltls a lIuclullUng ~ tale, IIIll noIIce pn>vlolon 18 1IG1 a ",1lC<llldl1lon for ftucluallon (IrhIcl1 _ Illke plaCe ~ 01 noDca). Pllyment al any 1_ of principal or fide..... OWIrID 0II1l11t Note may be _e prtor to Ille maturIIY (IlIIe thereof w1l/rout penalty. _or shall provide lender with wrIl10m _ 01 in_lID ...- part or 011 01_ -. III _ gUee (3) weeks prior 10 the l\IIIIclp....... prepaymel\l dat... A p.....,menllll eny payment made _ or_UIe _ _. hnInIy (20) ~ of 11I0 then oulelendlng principII bel........ IlllOrrowor _ll p.--.oentlllld _10 give 1I_1htloe_ ~ _ al Intent 10 prePIIJ. then. notWl_nD any oIIler proYlolon to Ill. conlrllry In Ih/S Note or ..y OIlIer dOCIIIfIenI, _er _, be "",uI"'" 10 pay Iclndet three weeks Interest on the UIlp8ICI prlllClpoIl8 of IIltI CInI8 preceding lllICIt prepayment. The term ".ndebled_" "" used _ _ """'" lhe _Iedneas eYidencad by _ NOIoo. lRoIUcIlIllI ptlnelpaI, InIere8I, and ..._ wllelllet contlnUonl, now due, or _10 bocGme ""'" .xl WOolller II<lreIolore or conternpo~ II""""",, or n_r c:on_. llIe term "CoIl61eral" lIS _In _ Note _ -. eny m-. a-ntle$, or oilier property or rlgbta lIltI.eln 01 MY nel.... wh_""or or IIIe p_a thsreor wnlcl1 _ hllY8 been, _ or ~r may be, hypolltOClllsd, dfrecllY or Indlreclly by lint undersfJl1leo1ll' others, In connection 1II111l, or 18 lIIICUrIIY lOr. tile I_tectness or IIlV part tII*llOl. 'I'IIe Collalend. _ _ part 1tIenIOf. _I """"Ie IIIe Indebtedn_ lIl1d _ partlher...,. 1'11.. cov""""~ _ CORdlllons 001_ or _ 10 In any Idd lIIIlnsttumen18 oIl1ypo_OJ1 constltutfng the CO_ lite _y fncorpo_1n III'" Note III covenants and _JUono. or lI1eu_gnecI wltlttlle ....... force ond _tIS llIougl1 such CGvenanle ond conolfllolRS ......1II11y !lilt IOrIIt _. 1'1101_ shalllmrnedlalety _ due_ wl1ot11er voiunl.uy or InVCllUnIety, for the u_!PlOd 0 I under IlIo provlslona alllll'J -. InsolVency ..... or maldng by tho under!llgoed 01 on lISlIIgnnlIln( 10. th.. EXHIBIT A . upon lIIe oppoI_ ala recelYe. or l!quldAlor, lIUng ala pePIIon bY or against the underalD"Old RefOm1 Act 0' 1Q78, ~ mnendeCl. or upon the . la lllIIIIclrI%<!d 10 declare oil or eny pari of Ihe .~ ,."" .- , ~ .' -,,'" , , I . : '..:...i"~" " 1~"",L~"'"~\lc0 241-0060 FINANCIAL TRUST 015 P03 JAN 06 '00 15:44 0'1....'99l1 Lolli Na( 7O'~ PROMISCiORY NOTE (CcInIInutcQ . '.2 . <; I........~...... "'''IIpCIll''' .'. li.,.oIfIlI/oI...ltil" L'lII__ .(1) ........., I!!J "" or..,~ .... PI............ Iri \lie UlMIlI~l,t 01..., .....1 .. or .., H"l1IR .11I1I1ri:"'" GI' .... _.. AIIrn1n!eln1l1an (IttI'tIneIW __ "IIA'"), willi ,..... to ..,~ PI...... tnal/WY 01 ... ......... __In lIlY ~ 0'" uncIlII...... to",-,lII''' to____ __ Dr ....10..... or 01.. 1IIIIll!tll'*"" orlll1lllW1 or tII8 ..... ~ or In lIlY........ or... 4VII ...... ",1. OW In ",,'T'llOh"''' ...~"lIl1lon.r.. l~l1tl/illlll. ,Ill any ...."""""""Iri,.-.r or, fill.... __01" .....~...4I (4) lit ......_. .7 n.(OIlIIr 1I!Ift. ,.... pu........! "" '" lIII pmll/aml 01_ ~ IIlIlllfI!I AcIo1 mt.. ~_IIl'''''''' or-. ..-'!ll'ol or.. ..,....(orlh.1IlIIdltt 01 "" ~"""r)."'" "rar.........", HaldW; ...... UI_4llir-......... _to.............. ..]1" -.,IJt IIIClt _ or...... HalduIllllJ .....'... far..,-or... 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Of IUD I'. filii*" or... 'ColI 1111111I. ~ WllbIlul~OfIllV~_,I;... ~or..,~__.,"" ,.dil.J..W.,atloulPlllW'-'lolll""" . In. ~1Il",""""".'I!11U '. -V__'" o,P\;tl'" _................ ......,.,.._'.Ill~_lItItat noi ....1___... 01'''' ___,....... ......................... __..,.. tII MII_ Df.. . ~..,......In _ ...._Ill _ ar ,,~,*I" \tilt 111 tM\JI'. or __................. ,.."'....--. ...... .-11I.... at _ of HOIIItr""" PllllIldI_ lOt.... ... ....,., 1IlII-. 01" ... cu....... WIllI _In lIiIdIIoll.tO..,. aIIlw .. -av, pllVI_ _... _ or ........... .......In __ f/tHaldllr. ........... or lIlIIIIIr.1Ir lIIduto... .rwlle. The ~ ...... to _ II' am" '/"'Io~. ~ ....m.- In*I. CCIlIlII8lIIIl_ ....,... Df lIlY .11II,"" "'~. ..._.... _....... lit _...... lilt' fl............ P!/If III' ...... oftI!IY ..IlII&1IIDt 1noIun!lI1lIoroutofc:oull.___~""'Of"'_..'" .............., _or~....~..IUI' 11m"'" to ..m..lIIlamtIr'. _ _...... r.-.-"1l1 . . Of"'" III _u......... WI\II"" ""'JoollOn ol1lle ''''IUlIn_ ar tile ............ ........ ...111 ....., .......... 01 ...... IIlIIIIIII ~ ID. ... IQI..... of '-"Ulte '-lor Ihe ~ UJIIIId 1M ~_. ...... ....10 ..., """.... fnlllllIme to .... ... .. 8IIar..C11 ..,..... .,!dllle IIIIOUnl of.ucll PIIl'.... to'" MIOUIII of'" ~ IIId cbIrgI'''' \lIlIIIIIIn 11I..._ . ........ ....pecllo file ~ _I Of UI" 1IoIlI. Th. -.y 1'1" Df Halder"" 115 .-I......... _........, HDIIliIN... !ttl*ftllll'v,. Of ~ "'''._ of tIIB IInrlJ"" or lIlY """ Df... Oll....or"'_IIo!"., 1 r....1IIf IIuIlloIlIIIIIIl!d to oo..,,..,~ or~ w_ Mol... """ .,.lI/I1It '"'*" to .... ........ o!'............... ar l') ......... ...........-. ..... ......-!. ....011, ."'... CII' lIUlIlIIIlUUCIII WllIC!I." ... JPIIII.. ......., 11II ~ lJf (ll)" ~ ...... III rfIIPlICI CIIIJI!f ...... ~. or Me"', Th!l pun:fIMar,...~.............. fII!I!!II!t"-"'" ~_ ...."... ..,~~ tar my of 1IllIIa). _Icl; . """ ltCI, .....,... n<1 1 ar filii' 411. ....",_a __...... """ ... _to ..._ "'11III'!*8 IIId ... ,. by IIIlll rtoIe _ III ~ ",... ~~4fll;o,v41D ... or IU,. If"'" ........... ........ ........, or "*''" ..... 0JI1IIIIdr 1lfIIIlBlI. Papt In _ .,,,,,In" ...,,,, 41",1 or lIII - r lIlII.. ~ promll!llGrY lIOIIJ 11I..- to _. '- whI/:II SIIA..... /II 1!l.rdch.Ie......... Md......-r to "" 1M or 1IllI1IJi,Ip.. RelIU""1III CllII8A (13 C.F.R. 191.1(11)), 11II8 ~ III 10 ... ClIIlIIIwd IIIIIIWIIIIIIIIA .. ... ItDIW at . pm,. In ~ ....rwMd In ......WIIII....... .... COIlrk$8lOJll 01' JUIlGMENT. Th. UndonIftIIlId heMI>y __ 8lId .............., 4dIIlmIi' flffclefk 111..., COWl of _rd In l!\ll UlIlled ~... or 8118whn 10 IPPW lQr and. wIIlllIf wfthaut ~ .. C/IIlI!lIlI!IldaIlllllll__ .. Un4IIsIgI1Id IlIIlMlr of ,.. hcl_...,.. or su_r hllldDt 0' IhlI No-. .1 ."1' .11I8, for b ItJl1 01' \OlIII emount 01 .. _ IllQolhIr wlIh .. In....... pIllIlIdIJd for '-In, wIIll COIII!I oIllU11 8lId IIIomey's ClOIIl_on or Illn 110) pen:enl for c:oIIIcllon; lIIIel... LJndoOllIllIlId _-4 "'- 11II --. WIIYI& III .. oIl1l1l1CU11Oll. llghl& 01 inqUIIIIIOn ond 8lIIel1$fon upon any ..., upan _ _ IIIICl .. ~ ItI p"'!*iY tom .., IIIICl _ ~ any ~ hIlPn: ,1lId Ihe UndeIIlgnad ~ &8'-10 condllmnallOn and ~ ~au f\8IIIS Co......... 01'__- under any IIIICl.UIIl8IJ1plIoII_' now In IoI'ClI orwhlch may hlIrMftIr b.ltIIC18Cl. 101IROWetl: lIMd .....AlJMcJ. Inc. , - ~l' ,~"- ,I lliitJt~''''''''.......~ ",_, 241-0060 FINANCIAL TRUST 015 P04 JAN 06 '00 15:45 07-030-199& -ZZ: By: .' . ,4u1 MldI\IlI, PfM/dent ATreU~ . . ( orporate See ~ I'relIry or AssIstant SeareWy ,A ~ ~8I\lIIlCIIIlamuet~....", gal1lllreW _I!y~~ 0 ~_ parlneralllp eppllclnls lIIC/.ll1 ~e NlIIIIln lltmllIIme, togelllllt Wllh S1gna1Ute ole ~ ....,...... PROMISSORY NOTe lColltlnued) P,age 3 r (SEAL) SBA FORM 147 (fHl7] PREVIOUS I:IJrnONS oaSOI..El'E 241-0060 FINANCIAL TRUST 015 P05 JAN 06 '00 15:46 /fr/.l- ~ f., ( RnEE~r P. t!EGLER R"CO~DER OF DE~DS ,;UM5ERLAtlD COUNTY - PA , "--. WHEN RECORDED MAIL TO: PennsylVania _0IllI1_ ,",0 KeysIOn<llMd c~_ eo_llapI. 190 CO\ll'l1l1nlet, PO BoX $187 WQIIamspO.t, PA 177111 96 JUL 11 AM ~ ~5 SPACE NJOVE TIll51J\11E t$ FOR RECORDal'S USE 0Nt. y COVER SHEET MORTGAGE (plIJ'licipatlon) DATE: JUly 3. 1996 MORTGAGOR: Paul MatIIIs, who$e addre88 is 514 Parb'ldge Court, Mechllnlcsburg, PA 17055 MORTGAGEI=: PENNSYLVANIA NATIONAL BANK AND mUST COMP.vN. whose address is 1002 NORlH SEVENTH STREET, HARRlSSlJRG, PA 17102 , BooK1330 PAGE 923 . (/ EXHIBIT f3 . cA.! /(,]..!0 , ". ~~~~~...... ~ , 'J. . '" ~- ~I "~, -. ~w,. 241-0060 FINANCIAL TRUST 015 P06 JAN 06 '00 15:46 MORTGAGE 0; , ~~) Thi8 -'9188 IIIIde IIIiI enlnd Into lIIIs JuIJ " ,. by and --. .... ...... .... .... Ie 1,. ~ Cou~~ a.CftltllelDlIfg, PA "'" (IlInIi"* IllIImId III .. 1Il0lfUq0r) ..-I I'Ellw.n.V'" 1IA1'ICINAI. UNK __ 'I1lU8T CO.AN'l' (~ rel8mId to.. mor!glQll), who ~ns I/lllllli::e IIld pia of __ at 1. NllJmt 8lV!NTH sn......., IIAAIllllllURGi, Pol lnll2, ." .J _. W111U!Q15T1f, .. rw ... CIlIIIIdlnIIot1 -llIJIIIr ... .. of whIah II hnllv _lll.rtr 1rl. .. ~ II"" htrUV 1llOIt;alJe, un, grI/ll. and CDII\lIlV unto tile MO~ Il'" . hili. .. and """"".11I of IIMI fOlIawing 4IICllleclllRll*lY 1IituIlIIcI8IId ~1II1 InCumlltlrl8nd CauRW. Commo",-" Of ~ SEE EXHIBIT "A" AT1'ACHEP HERETO AND INCORPORA'TED HERaN IIIY'REFERENCE lJle Real PfOpcuty or .. ..... .. commolllf knowlI . $14 p..... COUrt, MecIlInlClIbUrg, p,~ 171155 1'o8ll1h8r wllh and IneJud~ all bujdlnQ5, eft ftIdIres, indtItlIftrl but not IIrI1a.d III III plUmlllng. 1lIalIng. iI(lhV"". WlnIIIa!lng. 1II1rfg11nd1"", \ IncI~g,'" concllllllftillg lQIpa/1IltIIl, and ~ (1M ~ I1IIIIby ~ lIIId e Is 1__1Il8I1Il81l11ma _n enumaratBd IInIlI be deemed 10 ltave b_ petlIWIllII1IY insllll8d as pert 01 '- 11I8IIVI. and efI ~ now or h8IIIIIftIt 8IIllno 1heIWOn; t/Ie ..""..",,11 eppurtel1l!lQS -... - .. ~ lltIIonQino. or In .",.,. 8Iljl8ItIini"ll. and lIl8 ~ and ~ rell1lllnder end remelndIn. allll/!IlI$ OIIlMle1llp1iql.end ...... ..... "'II pIoliII GlUle 811_ desaltled properly (Jmlulded, 1IoIVeWIr, IhIIlllle.lI\Ilffl!IIlIIr ehIIIll8 8Il1I\!ed 10 tile P.I J I'J.l of.., ~ end to calIIaI and _n "" ""Ie. 181_. I/lll proIIlI UIIli1 default hnunlferl. To hew and 10 hollllllll_ ull\ll "" 1ftIIIllpIgee..-l tile ..~ In InIenIet of "" IIUlIlgagee ""-In fIIIlsimple or IlUCh -1I!e1e,. env.ilSls stallll_.. The mQllaagor _l\IIIIl8l1la1hels lawfully.. and P-Il ilIlll GlIOd hu the dght I!l _11Ild G\lIl\ltY 88111 llJQP8IIy; lIIIdllle 11/II8 " .. lrom 4jIlencU!Rbt8llCell"'pt lIS ~ ~ IIld ... he ~ bin4I.,..., 'lid hili SU=llllllllln InlInst to WI/lentlnll dilIencl tI1e UUlllfol8lllllllllnlQ and ewry.PIII tI1enIoI against Ihe claims 01 d __ wlI0111108\181'_ This lnelrumentlll tll_1O _the PIIJIll8nt at. pramIIIaclIy note d&tIod.- 3, ,. in lhelJllnclpellllllll 01 MIJlOO 00 IIgned by _ at.,..... o"'-In"""" ~..........,.... . . Boo~1330rAllE. 924 seA farm flI!II (11-86)l,lSE a-78liOmON UNl1I. EXtIAUSTED _1__ .k:';'~j:;';i; 241-0060 FINANCIAL TRUST 015 P07 JAN 06 '00 15:46 Said promissory nole was gIwn to aecU18 a lean In which lhs smeU Business AdJninilJlratlon, an all8ncv of l/l8 UnilGd Sta1e!s Of AtIlIIric:a, Iia. pIIlI~lIIeIf. In compllanoe wiIh $ICIIon 101.1 (d) oIlhs RIII.nnd RlJ8U!I1Ions oIlha SrnalI Busil1ll5S AdJninlslnJljon [13 C.f.A. 101.1{d)], this IMIIUrnant Is to' be ::onstnled and enfllrclld In lIIlClOI'd8IICe wfth 8llllUcab1a l'edenlllaw. 1. Tl1to mlllQ8OO( CDn\l8nants end egAl8e ... fDIIDWlI: a. He will promplly pay l/l8 IndebfednllllS evidenc:lld by OIIid promiSSOry note allhs a_ and in lhs manner th&rein provided. b. Ho will pay a111aM1, . .-ms. WIItW flIfes, and allw IJCl"WlIftl8Id or IlI\IniCipel charges, ftnes. or impCllitions, lor which provision has not beell ~de '-lnllelanl, and will promplly d.nwwlhs olllcIol RlCGIpIs Ihunlfor 10 I1te S8kl /Illlilll8Qe8. c. He WIll pay such _1ISIlS and 1oe& 8S moy be incumId in lI1B prdllcllon and melnl81111DC8 of S8id proplll1y, illCiuding IIIe _ 01 any aI10m8\' empIo,ed by the mor1llalle8 !clr the caUeclIan 01 any or oR Of the II\CI9bI8dn8ss hlllllby SIlCUred. or lonIclasure by IIIGI1gellll8'5 sale. or court ~dlngs. or in any olhar IitigaIion ar p.-dlng aft'ectIng Slid property. A1Iomoys' _ reasonably IncUll8ll ill any othllt way shall be pald by the rnortgsgor. d. For beIIer 1S8CUri!y OIl11B Indebledness hoI8by _d, upan lhs request 01 the mcltgagee, lis S1~ or ~ns, he shall _ and deliver a supple....n1el1llOr1Qllell 01 mcr1gages COWl'iIl\l any lIddiUons, impl'OVlllllllnls. or belletmenls made 10 lhe propiltly heleinabova dllSCribad and all proparly acQuinld bY ~ allet Ihe delIl hlll80f (all in IorIIl ..ell<;ff'llOry to mortgagee). FurlflermDl8, shculd mortgagor IailIo CUI9 any default in \!Ill pa~ of a psiCr or InlllriOl encumbtance on \!Ill property described by tills Instrument. IlIrl/IQ4OOr h~ egAl8e to pennIt rnortgsgee 10 CIIRlsuch defaulI, bill morllI8II8O IS not obIlgalBd 10 do so; end such edVanoes _I_e p811 of lhs Indebted"""" S8CIll8d by tf1Is lnstMnenl. subjecllo the """'" 1amIll and condlllons. e. The righlll created by this ~CB shaD remain In lull fctl:e end eIIecI during any pOS1poll8ment ct exlensIon 01 the ame Of lit, psyment of the indellllldness evIdan~ by said proml!isory IIc1a ct any part th8nlof &llCUI8d 118reIly. f. He will contllluously maintain haiIlInj I_nee, 01 such type or lypos and III $\ICIl anIOUIIIs as lhs mcrtgsgee moy from time 10 time requite on lhs improvements now or I1enIdBr Dn seid preperly. end wDI pay prumpUy wI1en dUll any premiums theleof. All insuram:e snail be carried in companles acc:epllIble 10 ~ and lIl8 polIdqs and renewals thenlof ShBIl ba held by morlgegee and have ~d thereto IOlif PllyablB Qtauses In favor of and In 10/11I acr:aptabIB to lIl8 ~ In 8IIIlnl Of Joss. mortgsgur whl give immediate nc11c8 In wrtlIng 10 1I\OI1gagIko. and IllIlflQ8lIll8 may maIuI proct oIlllllS ~'nOlIllltdll promplly by martgagor, and each 1_ company ccncerned is hBlllby aulhotbIed and dlIllcI8d to maI<e ~1llerlI1ot such less direclly 10 rnorIIII'lI.. i_d 0110 m8llQagcr and mDrIQ81lee Jctntty, and II1e ins_ proceeds, ut any part u...m, may ba epplIecl by mortgagee ~ iIs cption _Iu II1e redvclion uf lit" indebf8dness hereby ~ or to II1e restolalIon or repair oIl11B propurlY demege(j or destroyad. In event of for8cIosUlll 01 tIlis mortgag.. or 0II1et lIansfat Of fiIIe to said property in extinguishment of lhs indebted.... secu18d hel8by, all rlghl. UIIe. and inIBlllSI 01 the mcr1gagDr in end to any Ins_ porlCiee lllen in force st.U pass 10 \!Ill purchallor or rnmlgagBII 0(. at !he opUan Of lhs morlgagee, moy be lIUItOndared fOr a refund. g. He will ",",p all buildings end ctIler illlpllJVllmal1lS an Slid property In good repair end I;IlndlUan; WIll perml~ commit. or suffllr 110 _Ie. impairmanl. detedandlon of said proplll1y or any pelt IheteoI; in the event Of IaiIUI8 Of lI1B mortgagur to keep the buildings on :said PI8lRIses end It1\XI8 erlld8d on said premis!ls. or ImptOIl'8II18n1S lherlIon, In good repair, lhe mortgegee may maI<e such repairs as In lis desc:r81ion ft may deem _ry lor !he prOpar pIIlll81IIalIan IheteoI; and lito fUll amaunl 01 each and avary such payment snatI be lnunedlalely duo ~ PllWll8; alld shall be secured by tile tion cf IIliS mU11gaQ8. h. He will not 1/0lunlarily creal8 or ptrmiI to ba Gl8l\I8d ... !he property IlIbjecl to Ihis ~ any lien or lIet1G inlarior or sup..... to the lien of this m~a without the WIftlIn cclllanl of the morfIIaQIl8: and fIIIthet. lhef he Will keep and mainfaln lhe same free from the clelrnof all pal8On& supplyiflg labor or malIrtB1s lor ccnslnlctlon III any and all buildlllQ$ Of Improveme~1& now baing ncted or 10 bo flIlICf8d ull said pf8/Rlses. I. He wIU not 181II Dr 8lI$IQn any p811 01 the rent of said mortgauad property 01 demolish. or f8/R01I8, or subsfalltially alter any building WllIlout the Writ\8I1 ~ of the rnortaeaee. J. All elVlltds of danlagas In eonnecllcn wlth any condemnation fur PIlbIIc usa cf or injury to any of the properly subJacI to this mor1gage ani b.y essIgned end shall bo paid 10 mOl1gagee, who moy apply the same to paYll1IIIIt of tile Installments IasI duo under said note. and mur1gagell ill hereby IlUthUlbled. in IIIe naRIB af ilia mortgagor, 10 lllUlCula and deliver IRIiid acquilf8nces therIloI and 10 appeal from any su<:b awerd. k. TIuo murlgagee shall heve the right 10 irop8Cllhe mctlgaged premises at any RlUOnabla Ume. 2. llefaUIIln any of tile COV\lDanb or condlllons qf Ihis inslrument Dr III the nota or loan agreement ......nod hanlby st.U terrnina18 murlgagcr'a rightlu p< 115510n. use. and onjayment Of the property. at Ihe option", lI1Il mortgagee or his aasiIlns (d being agreed lhe 1IlClIIQ8ll0r shllll haw ouch nght until delauft). Upan any such deIauI~ the mCll'lllageo snatI become l/l8 ownllt Of all Of lIta nmts end profits eccrIIing after de1auft as SOQIrily for tile Indebted_ """lJ'Bd hereby, with Ihe right to enter upon said property lot lito purpose of coIIocIIng such rents and pt'OlIIs. Tl1Is Instrument snail cpetlIta as an essiOnlll8l11 of any rantels on said property Iu lItaI_nt. 3. TIle mortgagor 00"lI- and /lCll88S ,U1at il he snatI tail 10 pay said IIldebI8dI&s or any part _ when due. ct shall fail 10 perfOnn eny cavenant or agreement oIl/tiS il'l5ltUlllerlI or lite p~ nDl8 sacured hereby, Ihe enllre indebtedn... hereby &llCUI8d shall Immedlalely beCOma dull, payabll!. and coIlecl1ble wllheut notice. at the option of the mor\gag4e or essIgns, 11lQ8J'dl_ Of maturity, and the mortgagee or his assigns may befor8 or ellar entry salloaldptClperty wiII10ut apptaIsGment (lite mortgagor helling waived end assigned to Ihe .BOO~ 1330 PAGE 925 I J ,~ ' ~ I .... lillWrJ~;' 241-0060 FINANCIAL TRUST 015 P08 JAN 06 '00 15:47 mortQleeedrfllllll oI~ , 0) lII/lld1cla1_PUl8lllllltotl18~of28U.s.c.1IIll1 (a); or . Oil et lI1e aplkln oIlhe mlll'lDl8Wo IitIlIll' by IIIIlllIcIn or by IGIII:IIIlIIOn of .... -. lOr _ hlI!l-' and bill bid lllIllIPIl'IIIlI1IIIlI1 .. tIIIrM Of.are IIncI manl1lll' Of paynntlpllClftld In lll8 P\dIIIIII8lI'" 01_ 1h18MIl8 lOUt WllIlkI' I1CIIIcII Of tile IfIne, .... anc' plllce or SUD/\ _,by ilIMItIri8""n1l11l1l1a tlIIll 0_ dlrllIlI 8tl:I11l1 Slid log WIIIIaIIn a J1lNIIPIIIIW publi!lhacl or dbIllbul8d In Illn CGlIJlly In Wlllc:llMld PI'OPlIItY '- tiIuaIttd. all all..- ncdIcI baIIIlI...y.... by IIle 1..18IllO _ _ ~ llr _ P/I!lIlJI\ 011 IJaIlIlI of" mlllfllqall.lII8yllld w/llIlll8 utIp8Id ,-" .".a._ ........ by Slid "*1- $aid........ lit... td arGII _~, to be IIIId ar at lilt ......" COIInty, llr cIIy ~ lOr .. CllUnty 11l whIcIt .. prapI.ty Itloi:ale4- The A.0'!4.- II ~, aulhned to ~ rar IIIUl "" baI.w 1lIlll8 ~ IIId 10 dIlMIr to "11__ at MIl _ a aulIIclaIII CGJ1Y8Y8IIC8 of SlId propar\y, whfoh fIGJIWIl!IWlI slid QlI\IllllI reoIIaIs .. 10 lll8 hIppenlnv 01 .. CWIuIl .. IftIIIIllIIIlI8 ar lIlY agent or aIIllmey of Ihll ~.lhe I8IInland alIcIrn8ylp fal:lof3llfd.1IKlIlaIoor ta ma/qlsuah llICIIalallld ta __said ~and hnby_1IIIIIII1 IIld 88IlII!5 lhaltha ,.ciIaIa 1IO mad8 sI1atI be tl!CuaIlo bar II tqlfiy or rfght III .._.,plllln. 110m . II. _. and III other ~Gllha lIIOItgagor. all ol wIlIch-. '-byGplIlll/-..1lld _~lo Iha ~ Of Oil) _ _ oilier IPP/llPrlalII don punuant 10 slalII or FadIrII slaInI .....In .. ar FeclarII COIIII ar o1l1l1W11e lor thE, d"lon of the propally. In _MlItOf... ....~. "~llrlllY....InPln j'lII",lhe m__"",-Ihen 1NIcome_1 ~I....nlltholdln\l_and"~~p .'.PtIoIh8~a1......GtbelUllllllllly""" ~inllOClClldllnolr_ Ihe plaVIelonl Of IlIw llIlII""lo ....... hOIl!lllll _. The _1Ild ""'"'" 0IlIIIII!MI wIIh an """'* end .... _ by death CII' ~ and are llIlInllId. ClUIIlI!IaIlVa tlIl1le I8IIIiIdIM farClllladloll of SlId 1M . -..- ~ bY law. 4. Tha proceeds 01_ sa/e of SlId p~ In aoc:ooillllllC8 wIIh tne 1lI'tWdIo.o P8IlIllIlIPIlI .. boo appilad tret 10 P'ly _ otlIIIs andl ~-of .. SlID, tile GIlp.-.InoUll8ll by the mQrialala lor 11\I ~ fJI plll!llollalG or IllfinIIInInD SlId P/VP8IIV. and _lllUIblI, anlll'llll~ '- _dly. 10 pay the lncleblld.... ~ haraby; IIId lIIfillIy. 10 pay 8/IY SUlllIU8 or __ 10 IIl8 penon Qr P\IIlMlIllllUlll' antlUod th~. &. In thelVllnl_ prcIplIfIy IaSOld uajUlfolial bIcIOIuntRla ar ~to ilia _fJlRIa ~ QIIInlad,and the Pl'llC88d!li ... III!I ~ 10 pay the laW InClIIblIIIdnae 8I!OlIIlICI by IlllIlnIINmant and MIInOld by said pRlIllisIoly nota. Ihe ~ wUI bII, iIIIlitIad 10 .~~ lor tIIa aIIlIlUI1l ofilia dalIcIInovwill1lllllllllllnl tolllJll.rl1 Te.l!. e. In Ihe IVIInt the morJeIlIDr'" to pay lIlY FadInd. .... Dr lOcal lax IlIh~ ...... lax Of ollw tax IIan, chlqa. lea or ather 8llP8f1!li olrllge~ all8il1ll1 thIIpl'Gl*lY !hi ~ It hnby 8UlItodmd at his opllllft to pay ItIII __ ,.,." SII1I1Il SO paIcI by 1M mllilglg.. Shall be lI(!ll~ Ioandllicama I P!III of ilia pIfnclpa/ ltII10unl fJI thIIl~ lMdenCId by _ .... subjaollo the IIIII1IlI Illtm$ and eandmon.. "._ mort;aqor IhaII PlY IIncI dlIohII\J8 thillncllIblad-. 8IIfcIInC8lI by SIi\1promillarY nalll, IIId sllaII pay SUDh ~ and S"," ~.. .... and liIIns and lha...... .. and "1-' GlIlIIldn;. ...l\l.4ftV, and -UIIn$ "'ill ~ Ihan thl!I. rnorlOafle Ihd be can. and SIIIllInd8nld. 7. TIIa CMIl&nIIIIaNln COIlt8inecllhall bind and lha betds and advantagee _1II1l1V 10 the ~ S-"'. end aal8l1l1.ol' Ih8 DIrlIes 118l81D. ~ 1118d. lIIe singuIIIr rwmlw shllllnolude lilt ."., ilia .... lilt ..,.,. and _ usa at any gender shall includa II gendara. .. . .;0. . . 8.. No _ 'Q,.any ~ herein or of thII obligelfon seoInd hnly..... at lIlY 1Ime a-IIaI' be held to be a .... oIl1Je temI8. .~~~,r..~~~>~IIanIby. . .'.. ~"l!1y~'-. "orct.r. Dr IUdt,",nt IIIlIdIIII any pr....... or pllIfon at Ihls IIlItnImInlInvalld ... U1..."'-...cIlII8hd noIln any woy I~ or p/8III....1ha ~Q"._d 01 tha ramainilll prcMIIonsorthls ~ . .' ....;.. .' Ill- A1Ff WlIJ'8trnatil:e to be iIIuId to Ilia ~putSllllllto ilia ~Gfttilll.umlnhl" be ~ to lha "oOol$a,;l> Ill: .... ....5141'11rt114!.. COI!!t. ~ 1'1. 111111 and _ \\'I!IIIIft na!loa to boo /ssuad IlIIt111 ftIClItIIllgaa slid be eddl8llad 10 the mclrlgagBe at: PENI\!iM.VANIA NATIONAL BANK AND TRUSt CO~ANV, 1001 NIlfmf IIEVEIfflI lITREI!\'. IWlRI8IlURG, PI. 171G2. IN WIt'NESS WHEREOF. the morIgIalli' his --..1hIe Inn\lmenIIII'Id _ "'~ flu ~d deIhIary 01 thfIlnstrUII\enI as of the day and V- . '.' BOOl1330 PlGE 926 ''lr . ~ ~.:' 241-0060 FINANCIAL TRUST 015 P09 JAN 06 '00 15:47 a aeUvmea In .... 11'-"" Qf: . x ~~C~ WI'" CERTIFICATE OF RESIDENCE Ill$nlby certllV, tllllllI1a ptlldse llddress oIlt1e 1lIOJlllIlQ... PENNSYLVANIA N/l.TlOllAL BANK AlIlD TRUST CO....ANY. hll!8in is lIS fOUOWll: 11102 NORTH 8EVENTtt STIlEET, HARRlSIlIJRG, PA 17102 U4'~C b/ AttClt'nW Of Aoenl f~ IlUII1aaaelll INDIVIDUAL ACKNOWLEDGMENT STATE OF Pennsylvilinis. COUNTY OF Ds.ul?hin I- I On this. the 3rd day 01 Jui v . 19~ betore me Marsha J. For tney ~ lhe undem!gned NoIIIIy Public. P!"'Kl11$l!Y llIlP~ PIIIII M8IIU8, known to me (or lIIdisIadodly provenllo be the per$On whose name is s~ed to Ihe wilhln inslrurnent, and acknowledged tIIIII he or she _uled the i58mlIlar the purpClllllll 'n eolllllinad. In wllneuwhlnOf, I h_1I1 my IwuIIInd oIlIcftd..... NOlaIiGI Seal M8nlha J. FcItIley. Nola!Y PublIc Ilarrisburu. Dwphin COunty My Commission Elcpil8$ Nov. 30, 1!l98 , ~AsilociaIIonclNolBllee ., pennsylvania} A .. of Cumberl..nd S., ._. ~ - ......'\, ~",oil(! in the offiGe f<< the ""GOrding of 0..- .,..~~}.;,:,.'~\ . ..~ ....... ' .." . . roo . "'\ 1I"" ... "f'1'1Ul11l1'lIllNlCou ~...-.t::..'.~,',~.', :.'_;:w'~ tI ~ , ~'l:'~. : .:':;:' ~,,";,~;'~~';.l~ 'i " ..11 _ p ~ ...!.....t..N-.~ -.. /" Jfl&. '~." ,'~~;:>"'i',,\r~...., ...1 i,. I.. " .leeO' J:-=t" . .. ..~.:~ -.,w.~"',J ,.. . ".~....... .F-:.... .:.11!,........~ '" <<1-- I'; l""';; tnl~ ft..=., 0 ..'" . .'" '"',."11. ( .' . ......",. , ... .. ,"^,"y " .".., :'t:':.,r~r~, .' <}~ ~. rr ..oli:"'.....'Y,'".~;, ,';" ...~: .,..~. .J . l'l...it"~1 :'!f.iJ!'!,oIr'; ~ ..i,.... I.. .' i"-' ~~~~~~.:;~~;it.~~:". ~fJ!.;~,~~,/1 ',-.(.:.0-- .........~. ~~~ r_"':"1 .,I. .-I.~';':H.~!' "'):,$,'" ~'''('''I' -'.f I~~:"l.' .'-1 'V p..... , . {~ SBA Form 828 (11~ USE 2-781!D1llON UNTIL EXHAUSTED ' I,:' ':,j'~':-~;'8'~~,~It}Xiffi" Bood330rAGt 927 - ;r~';;;''J$.l'' __- '.........,.. I, ' Loo. . " '<~ ;;.: 241-0060 FINANCIAL TRUST 015 P10 JAN 06 '00 15:48 , . . EXHIBIT "A" ALL that certain piece or parcel of land, situate in the Township of Hampden, County of Cumberland, Commonwealth of Pennsylvania more particularly bounded and described as follows to wit: BEGINNING at a point on the Western line of Partridge Court at the dividing line between Lots 7 and 8 as shown on the hereinafter mentioned plan of lots; thence along the line of Partridge Court the following 6 courses and distances (1) by a curve to the left having a radius of 80.0 feet an arc distance of 80.98 feet (2) S. 790 54' 34" E. 15.00 feet (3) by a curve to the right having a radius of 15.0' an arc distance of 23.56 feet (4) S. 100 05' 2" W. 20.00 feet (5) by a curve to the right having a radius of 393.0 feet an arc distance of 99.53 feet (6) S. 240 35' 26" W. 30.41 feet to a point at the North Eastern line of a Pedestrian/Bikeway; thence along the line of said Pedestrian/Bikeway N. 350 34' 00" W. a distance of 195.47 feet to a point at the dividing Iille between Lots 7 and 8; thence along the dividing line between Lots 7 and 8 N. 540 26' 00" E. a distance of 89.25 feet to a point on the Western line of Partridge Court, said point being the place of BEGINNING. BEING all of Lot 8 as shown on the final subdivision plan of Sleepy Hollow P.R.D. Phase 1, recorded in Plan book 55, page 44. CONTAINING 0.3831 acres. THEREUPON erected a two story brick and vinyl sided dwelling known as 514 Partridge Court, Mechanicsburg, PA 17055. UNDER AND SUBJECT to the Declaration of Covenants and Restrictions for Sleepy Hollow, which covenants and restrictions are dated February 16, 1990 and recorded February 21, 1990 in the Cumberland County Recorder of Deeds Office in Miscellaneous Book 376, Page 567. ~ooK1330 PAGE. 928 ~~l '- 'I Tax Parcel # 10-181316-095 ~bi% 11Beeb MADE lhis~ day of~ Nineteen Hundred and Ninety Eight (1998), BETWEEN PAUL A. MATIUS of Hampden Township, Cumberland County, Pennsylvania, Grantor, AND PAUL A. MATIUS and PAMELA S. MATIUS, husband and wife, of Hampden Township. Cumberland County. Pennsylvania, Grantees, \VitI1CSSClh ill consideration of One DoIlar and GOlfoa ($UIO)Dollar, in hand paid. the receipt whereof is hereby acknowkdged. Grantor does hereby grant and convey in fee simple to Grantees the:ir heirs and assigns, All that certain piece or parcel of land. situale in the Township of Hampden, County of Cumberland, Commonwealth of Pennsylvania more particularly bounded and described as follows to wit: BEGINNING at a point on the Western line of Partridge Court at the dividing line between Lots 7 and 8 as shown on the hereinafter mentioned plan of lots; thence along the line of Partridge COllrtlhe following 6 courses and distances (I) by a curve to the left having a radius of 80.0 feel an arc distance of 80.98 feet (2) S. 79 degrees 54 minutes 34 seconds E. 15.00 feet (3) hy a curve to the right having a radius of t 5.0 feet an arc distance of 23.56 feet (4) S. 10 degrees 05 minutes 2 seconds W. 20.00 feet (5) by a curve to the right having a radius of 393.0 feet an arc distance of 99.53 feet (6) S. 24 degrees 35 minutes 26 seconds W. 30.4 1 feet to a point at the North Eastern line of a Pedestrian/Bikeway; thence along the line of said Pedestrian/Bikeway N. 35 degrees> 34 minutes 00 seconds West a distance of 195.47 feet to a point at the dividing line between Lots 7 and 8; thence along the dividing line between Lots 7 and 8 N. 54 degrees 26 minutes 00 seconds E, a distance of 89.25 feet to a point on the Western line of Partridge Court. said point being place of BEGINNING. BEING all of Lot 8 as shown on the final subdivision plan of Sleepy Hollow P.R.D. Phase J. reeorded in plan book 55, page 44. CONTAINING 0.3831 aeres. THEREUPON erected a 2 story hriek and vinyl sided dwelling known as 514 Partridge Court. Mechanicsburg, PA 17055. . BOOK 1.81 (;\Gt G'? EXHIBIT f(l. -~ .d:>..~ ,8EING the same premises which Sea/over Construction Co, Inc. by deed dated April J 6, 1996 and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Deed Book J 3 8, Page I. granted and conveyed unto Paul A. Mallus, Oranlor herein. ' , This a conveyance from husband to husband and wife and not subjeclto Pennsylvania Transfer Tax. And Gralltor does hereby covenant and agree that he will warrant specially Ule property hereby conveyed. IN WITNESS WHEREOF. Grantor has hereunto set his hand and seal the day and year first above written. WITNESS iL:,,~ fVrvek~ ~ CD CD ::n c:= c;-, N c.n /i, ,.: p, ,.. , ,. u :5& ::n ::3 CD N -'= (") o C~ ~ ,~;j ;.. .: (J , u:) t' COMMONWlcALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ,. On this, therJJ.lj. day of aw, LI j. 1998, before me, a notary public in and for the County of Clllllberland.Cbmmonwea~sylvania, the undersigned officer, personally appeared Paul A. Mattus, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that be executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunlo set my hand and official seal. .'",',,;'..., ~ fPr/L. (;f(P)~ Notary blic Notarial Seal BridBet Ann Corcoran. Notary Public CailIsleB01O. -GOtmIY My Collll'n\sslon Expif'es June 10, 2002 I do hereby certil)o i!:atthe precise residence and complete post office address of the within Grantees is "'1 'rfri"i~ 0, '1C);f';;J{ , P- ')0", B~OuK 181 r,\~f GEl 241-1211216121 FINRNCIAL TRUST 121 PI2I3 FEB 23 'ta0 11 : 53 ,~!. :';':::V-j (... ~"::, l; "'.... , , D~Qflf ACT 91 NOTICE TAKE ACTION TO SA VB YOUR HOME FROM FORECLOSURE This is an official notice that the mort""2e on vour home is in delilul!. and the lender intends ro fureclose. Sneclfic infutmatlon about the natnre ofth. de/auIt is DroWled in the attached 1)'l!!es. Tit. HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM lHEMAP) mav be able ro helD I<) Sll~e vour home TIUs Notice e""lains how the D""""1n wOrlc',- To see ifHEMAP """ helD. vou must MEET WITlf A CONSUMER CREDIT COUNSELING AGENCV WITHIN 30 I)A YS OF TIlE DATE OF THIS NOTICE. Take this Notice with yGu when vou meet with the CoU!lSeline: Aa:encv. The name. .Mn>.., and phone number of Consumer Credit Counselin2 Al!eltcies servm2 ~on County are Ii.red at the end ofthiA: Notice. Ifvou have anv auestions. van mav 0\11 the pennsylvania HOLlSin2 Finance A@:enevtoll free at 1-4100-342-2397. (Persons with imnaired hearine can call (7\1) 780-1869\. This Notice contains impoTlantlllgal inf"rmalion. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain ii, VOu may also want to contllCl an IlItOmey in your area. The local bar association may be able to help you find a lawyer. LA NOTlI'ICAClON EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DER.ECHO A CONTINUAR VIVIENDO EN SU CASA. Sl NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBttNGA UNA TRADUCClON lNMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AOENCY) sm CARGOS AL NUMERO MENC!ONADO ARRlBA. PUEDES SSR ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV All. SU CASA DE LA PERDIDA DEL DERECHO A RlIDIMIR SU HlPOTECA. HOMEOWNER'S NAME (S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: Paul Mattos MeDIl!V Int. 514 Partridl!e Court. Medl:aniesbul'll. PA 17055 304249--30011 PeDJIsvl~an;,. National Bank and Trust ComDany CURRENT LENI>ERlSERVlCER: KevstoDe Fi..a..~"'1 Bani<. N.A. EXHIBIT I}) ~I ,~. _~. llb!::\ 241-0060 FINANCIAL TRUST 121 P04 FEB 23 . 00 1:1 : 53 . . , . HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM yOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE wmc.H CAN SA VB YOUR HOME Fll.OM FORECLOSURE AND HELP YOU MAICP. FU1'UR.E MORTGAGE PA YMENiS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNBR'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE ~Acr'), YOU MAYBE ELIGIBLE FOR BMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HA V~ A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE fA YMENTS. AND . IF YOU MEET OTHBk E1..10IBILITY REQUIREMENTS ESTABLISHED BY TIlE PENNSYLVANIA HOU5JNG FINANCE AGENCY. TEMRflllARY 8T A y 9Y FORECLOSVIa-Under the Act, you are entitled to a Iell1pOraIy stay of foreclosure on your ml>ll&8# for dIit1;y (30) ~ from the date ofdlis NOlice. During tbaJ lime you must amD13" llIld alteDd a "~l9-face"rm:eting with one of the conswneJ'l:redil counseliDg agencies listed at the end ofdlis Notit:e. ~ MEE11ING MUST OCCUR WITtoN THE NEXT~} DA~.. IF yOU 00 NOT APPL V FOR.BMBRGBNCV MOIl~AGE ASSISTANCE. YOU MUST BM/G YOUR MORTGAGE UP TO DATE. THEPARTOFTHI~ Nqncs CAtlEO "HOW TO CURE YOUR MORTGAGE OEFAUL 1" EXPLAINs HOW TO BRING YOUR MORtGAGE UP 'to DATE. CONSUl\U,-" nU...orr COUNSELI~!I ~qEI\lClES-lfyou meet with one of the consumer crcdil counseling agCllcies Iisteclat the end of this nOli"- the lender may NOT taIre action against you for thirty (30) days after lite date oflllis meeling. The......o:s, addresses and le~ Plllnbers of m..;.....-I consumer ~it coll!Ulll.lin~ all""";!'" for the COIlll.ty in which the I!l'OJ'etIII is loeated are set fqJih at the end oflhis Notice. It is only necellsary to schedule ope tilc:e-tg..fu"" meeting. Advi9C your IClIdct immediatelv of your intentions. APPLICATION I1pRMORTGAGE ASSISTANQ1-Your mongage is in default for the reasons set forth Jater in thisjllolillO (~. tonowing JlIIBcs for spe<;ifjc information about the na_ of your default) If you bave tried and are _Ie to resclvothis problem with the lender, you have the righllO apply for fUlllll4lialMSi$IaIIce from the Homeowner's Emergency MOrf!Ne Assistance Pro~. To do so, )IOu must fill OUI, sign end file II completed Homeowner's En1ergen,cy A.ssi$tance Prognm Al'Jllicatiol1 with one ofllle designated consumer credit coUDseling agencies listed at the end oflllis Notice. 0Illy COJlSUJIII!r credit counseling agencies have applications for tho program and tI1ey Will aJ$ist you in submitting a complete aplllicatiOR to the PellllsyivaQia Housing Financ:e AgenCy. YOUI' epplJeatiollll/lU8T be filed or pogrmarked within thirty (30) days of your liu>>tt>-1'aI:e meeting. YOU!\1.YjI FJl,J't YOUR APPLICATJON PROMPTLY. IF VOU flAiL TO DO SO OR IF YOU 00 NOT FOLLOW 'Ml~ OTHER 11ME PERl()DS SET FORTH IN THIS LETl'ER, FORECLOSURE MAY PROCEED AGAl1IJST vOVIt. HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGI ASSISTANCE \'V1LL BE DENrnD. AGEI!iCY ACTION-Available fi.utds for CJnergepcy mortgage assi!\la1lcc are very limited. They will be disbursed by the AgenCY llDdl!r the eligibility criteria esllIbli~ by the Act. The Pennsylvania Housing FUUlnce Agency has sixt.y ((i0) days to IIIlIkc a dcciaion after it Ieceives your appliClllion. During thl!ltime. no ibreclosure proccedillgs will be pursued against you if you have met tho time ~uiIemenlS set forth above. V ou will bo notified directly by the Pemls Iwnia sill finance of its decision on liclllion. NOTE: IF YOU ARJ Ct/lUlENTLY PROT~CTIW BY THE nLlNG OF A PETITlON IN BA~KRUPTCY. TaE FOLLOWING '"RT Of THE NOTICE IS FOR INFORMA.TlON PuRPoSES ON'L Y AN1) SHOULD NOT BE CONSIl>EREO AS AN ATTEMPT TO COLLECT THE DE8'l'. (If you have I'Ue!I bankruptcy you can slill applY for ElII\lrgeacy Mol'ttl8&e ^"iltauee.) a~jli1. 241-0060 FINANCIAL TRUST 121 PelS FEB 23 '00 1J. : 53 , . . ' HOW 1'0 CUp YOUll ~OR1'GAGE DEFAULT (Brio!! it nil todatel. NATURE OF TH' DU<\UL T-1be MORTGAGE debt held by tile above lender on your propertY IlX:8fIld tU: 514 ~d!!eCourt. ~hanebu'l' PA 11055 IS g ouSt. Y IN DEFAULT bec3use: A. YOU HAVE NOTMAl>E MON11lL Y MOJl:TGAGE PAYMENTS for tile following month~ and the foll()Wil!g amounrs are now past due: $ 175.14 (for 1011199) SI,np8 ($792.1i4 fDr till &1211/99) Otber <barges (explainli_~): S Slk\.lL4 (late charges) TOTAL AMOllJllT PAST DUE: 52,867.2'7 8. YOU HAW FAlUiD TO TAKE THE FOLLOWING ACTION HOW TO cUllE THE PEFAUL T-You IWI)' cure the de&lilt within THIRTY (30) OA YS of the date of this ~ BY "A YINI;; TlIE TOTAL AMO\lNTPAST J)\lE TO nu: LENDER. WHICH 1$ S2.867.2'l. PLUS ANY MORTGAGIl PA YMI!NTS AND LA'l'B CHARGES WHICH 8ECOME DUB DURlNGTHE nnRTY (30) DAY PERIOD. Pavments must be IlIIlde either Iw oasIJ. caShier's cheek. certified check or money order ~ mvable and sent to: Key$tolle FiDallclalllllnk N.A. 1415 Ritaer Hwy Carlisle, PA 17013 Y 0\1 can =. any other default by taking the followil\g action within THIRTY (30) DAYS of Ihe date of this letter: IF YOU DO NOT CURE THE DW!.FAUL'f. If yo II do not Cllre the deliwh within THIRTY (30) OA YS ()fme date of this Notice, the lender ~dSto _relse Its "....fUO aeeeleJ'8bl lite mq~ debt. This means thst tIte entire outstanding balllllce ot'tbisdebt will be consicleIed dllO imlPediately lllUI you may lose the ~ to pay the mo~ in mollthly installments. Iffull Pllyment ofllle totaIllIlIOUllt past dw is I\Ot made within THIR.TY (3D) DAYS, the lender ilS() inlends to inslnlct its amnneys to stan legal aDtit11l to roree!9se llDOft YOill' mortnl'!ed oroner1'\'. IF 'fBE MORTGAGE IS FORECLOSI:D UPON-1be lIlOflPlled plOpelty wiD be sold by the S!lerilfto payoff the mortp$C debt. lime lender n:ms yoUr ease to il$ attorneys. but you CUIIl the delinqllOncy before the It;flller bc;gins legal proc:eedin;S againsl Yllll. you will still be reqllired to pay the I'OMOnable Iltolney's fees that were actllally iJlcum:d, up to SSO.OO. fIowe~. iflogal pl'Ol:llllClillgs are SWted aaaiDst yOll, you will have to pay ill relISonabie aItorlIey's fees actually inctunld by the lender even if they exceed $50.00. AiJy auomey's fees wiD be added 10 the amollllt you owe the lender, which may also inclu4e other reuonable CO$lS. .ryou eo.. lite deflllllt within the TIoIJRTY 130\ D,A. V oeriod. YOU will not be ~pired to nay adorucy's fees. OTHER l,-ENDER REMEDI~The lernler may also Slle YOll personally fur 1I1e unpaid prineipal balance and all other.ums dllC under the mortgage. BIGHT TO CURE TIm PEFAULT PRIOR TO ~S SA~E-Ifyou bave IlOl cured. the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you !!till bave the riahtlO cure the <\!\limIt and v~ent the ~ at any titne un to ona hour before the Sheriff's Sl\le.. You may do ~D lnt navi~tt the-total amount thet'l.~t .4... plus anv late or Dther ch~ then due.. ~le. !llttnt'l'lp'ulg fees and costs ccfun.eeted with,the foreclQ;re sale and mv oth"" cOsts colllleCled with the ~eriff's SB1e as ~ifiedin writing by the lender and lrt Derfomlinll anv 0_ reauirements under the mort!!",,". Curlnl your default ia tbe IlI8Dner $el t'ordt In this aode... wilIl'eStore your mortKage 10 the lI8me position llll if10u bad never dolllnJted. EAltI.!JST POSSIBLE ~llERIlIF'S SALt: DATE-It is eslillllllEd Ihat the eQrliest date lhal such a ShlO'iff"s Sale ofmemongagcd property could by lleId would bo approllimarely four (4) month. !rom the date ofthb Nodce. A nodal of1l10 _I datt ofme SherifPs Sale will be sent to yon before the sale. Of course, the ounowrt needed to - ., , '~-,oo;;WI! 241-0060 F1NRNCIRL TRUST 121 P06 FEB 23 '00 11:54 .. ,I Y . , ' Clll'e lbe defa~lt will ~ the longer you wait. You may find out at any tillUl exa.:lly what the required payment or action will be by conl8Cling the lender. HOW TO CONTACfTHE LENDER: Name of lAader: Altdras: PhoDe NlIlDber; Fax NOlllber: COlltact l'en0Jl: ICevstmIe Flu.oial "Ii; N.A. 14Hl RilDer VSrInvllV (7l7'l241-1799 l7171241..oo6C1 KilJlberlv D. HamlDond EFFECT OF SHJRIFF'S SALE-You should realizo that II Sberiff's Sale will end your OWlU:nhip of'tI1e lQllrtgagCd)l1'OJlerty aad your rigbt to oc:wpy it. If you oominue to live in the property after the Sheriff's Sale, a lawsuit to remove you lIIId your fumishin&S and other belonging, eciukl be started by the leuder at Il1IY lime. ASStJMP'l'ION Of MORTGAGE-You IIIlIYor Ola)' DOt (asslllllJlliun is depcDdenr upon original mortgage agreemCllt) sen or transfi:r your hOlJlll to II buyer or IrlII1Sfilree ...110 wiD asswne the lIlO1lg.ege debt, provided that all the Ol1tstand.ing ~ ebarges and _y's fees and cOSlll en: paid prior to or at the sale and that 1IIe other requirements oflhe mortga&e are satisfied. YOU MAY tUSOHAVE THE RIGHT: . TO SELL TIrE PROPERTY TO OBTAlN MONEY TO PA, Y bPl'THE MORTGAGE DRBT OR TO BORROW MONEY FROM ANOTHBR LENDfNG iNSTrruTrON TO PAY OFF THIS DEBT. . TO AA VE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT HAD OCCURRJID, IF YOU CURE THE DEFAULT. (HOWEVER:. YOU 00 NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CAl.ENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A. OEF AUL T fN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER mE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HA VB TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANIOlVI'TCY LAW. CONSVMJtR CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY Urban League ofMelropOliIBn Harrisblu! 25 N. Front Street Hanisbwg, fA. 17101 717-234-S92S CIlI1<umer Credit Counselp,g Service ofWest.enI l'enIlsylvania, Inc. 2000 l,illglesiown RlU Harrisburg, PA 17102 717-541-1757 YWCA. of Carlisle 301 GS_ Carlisle, PA 17013 717-243-3818 yl~/l.lJ. ,I/~~/-II ~mOl\d Loan WOIkout Oflicer KDHllf 241-0060 F1NRNC1RL TRUST 121 P08 ~. FEE 23'00 11:55 . - .. , 1 . (t~~JI December 2, 1999 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mO~D'e on vour home is in default. and the lender intends to fOTeclnse.. SDecific information about !be nature of the default is provided in the attached """es. The HOMEOWNER'S MORTGA9E !jS$ISTANCE PROGRAM (REMAP) may be able to heh' to save Your home. This Notice e1CDlains bow the ~02raIn works. To see if REMAP can heln vou mllSt MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTfCE. Takt: this Notice with vou when you meel with the COIDlSOIinJ! A~ncv. ' The name. address and chane number of Consumer Credit Couns:elin~ Afrencies servin~ you Countv are listed at the end artbis Notice. Ifvou have anv auestiOt'lS you may call the pennsylvania Housing Finance Ae:enev tot! free at 1-800-342-2397. (Persons with j",naired hearin" can call (717) 780-1869\. This Notice contains impol1llllt legal infumtation. If you have any questions. tepresenlatives at lbe Consumer Credit Counseling Agency may be oble 10 help ,",plain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a laWyer. LA NOTlFICACION EN ADIUNTO ES OB SUMA IMPORTANCIA, PUES AFECTA SO DBRECHO A CONTlNUAR VIVIENDO EN SU CASA. SI NO COMPRENOE: E:I. CONTENlOO DE: ESTA NOTlffCACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANOO ESTA AGENCIA (PENNSYI. VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO AJUUBA. PUffiBS sa EI.EGIBLE PARA UN PREST AMO POR EL PROGRAMA LLAMADO -HOMEOWNERS'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM"' EL CUAL PUEDE SAI.V AR SU CASA DE LA PERDIDA DEI. OERECHO A REDIMIR SU H1POTECA. HOMEOWNER'S NAME (8): PROPERTY ADDRESS: LOAN ACCT. NO.: ~nl Malt"" (Guaraomr for Paul Mlittu5 At!encv. 100.) 514 Partri"~eCourt, Mecbanil:sborl!, fA 17055 304249-300n ORIGINAL LENDER: Pennsylvaoia Nationallbnk alld TrllSt Comnanv CURRENT LENDERlSERVICER: Kentoue Financial Bank.. N.A. 7T I . - - ,-,-- -~-, -- ''',;;' 241-0060 FINANCIAL TRUST 121 P09 FEB 23 '00 11:55 . I I \. . , , HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE MilCH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKl! FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH niE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'). YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILiTY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under !he Act, yon are entitled TO a lelllporary Slay of foreclosure on your morlgilgl: for tIIirty (30) day$ from the ~ of this Notice. During that time you must arrange and attend a "face-to-liu:cM meeting witb one of the consumer credit counseling agencies listell at the end of lII;s Notice. THIS ; MEETING MVS1'OC~R WITHIN THE NEXT (JO)l>A ys. IF YOU DO NOT A1'Pl..V FOR EMERGENCY 'MORTOAOEASSISTANCE. YOU MUST BRING V6UR MORTGAGE UP TO DATE. THE PART OF THIS NO'fICEl;ALLJID "HOW TO CURE YOUR MORTGAGE DEPAUL T".IOO>LAINS HOW TO BRING YOUR MORTGAGE uP 1'0 DATE. CONSUMER CREDIT COUNSELING AGENClE8-Ifyou meet with one of the consumer credit counseling agencies listed at the end ofthis notice, the lender may NOT taIce action again$t you for thirty (30) days after the date oflhls meeilng. The names. addresses and teleohone numbers of desi"".'M CODSl1lIler credit counseline lIl!l!ncies ~of the c,!1M1v in whle" the tII'Ooertv is located are set forth at !he end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLlCA nON FOR MORTGAGE ASSIST ANeE- Your mortgage is in dctiwll for the reasOIlS set forth later in this Notice (see following pages for specific information about !he _ of your default.) If you have tried and are unable 10 rawlve thill problem with the lender. you have the righllo apply fur !inancial assistanc:e from the Homeowner's Emergency Mortgage Assistance Progt'am. To do so, you must fill out, sign and file a completed Homeowner's Emergcm;y Assistanl'Q Program AppliQllion with one of the designated "msuiner credit counseling agencies listed at Ihe end of litis JIIotice. Only eonsWIIOf credit counseling ageneiC$luIve applications for the program and they will assist you in submitting a complete application TO the Pennsyl'YaDia Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your fuce-to-face meeting. YOU MUST FILE YOUR APPLlCATlON PROMYfl. Y. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOWTHE OTJlER TIME "ERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY P8.0CIl;ED AGAIl'IST YOUR ROME IMMEDIAttl.V AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION-Available funds for cmergeJl'Y IIWl'Igltge assislaJlce an: vetY limited. They will be disbUlSed by the Ageney under the eligibility I:riterla established by li!e Ac;t. The PetlIl$yl'YaDia Housing Financ:e AgeDql has sild:y (60) daY$TO make a deeisiOJl after it receives your application. During IIuIt tillle. 110 fureclosure proecedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Penn lvania HOIlSin Finance e of its deeis.iOll on our. Iication. NOn: IF \'OU ARE t~NTLY PRonCTED 8Y tHE PILING OF A PETITION IN BANKRlll'TCY. THE FOLLOWIl'IG PA8.TOF THE NOTICE IS FOR 'NFO~ATlON P\iRPOSES ONLY AND SHOULD NOT BE CONSIDElU:D AS AN ATTEMPT TO COLLECT THE DEBT. (If youllave filed IIal!krtlpley you caD still a ply for EmergClle]' Mortpge AssistaDee.) ~, ,'j -,,-. . " " "lMllubilH' 241-0060 FINANCIAL TRUST 121 P10 FEB 23 '00 11:56 ., " T .. 1 J' HOW TO CURE YOUR MORTGAqE DEFAULT (BrinR it UD to date). NAnJRE OF THEDEFAUL T-The MORTGAGE debt beld by the above lender on your property located at: 514 Parti'l~eColll't. Meebanebul'l!. PA 17055 IS SERIOUSLY rNPEFAUL T because: A. YOU HAVE NOT MADE MONTH!. Y MORTGAGE PAYMENTS for the following months and the following amolJnts are now past due: $ 775.14 (for lonl!l9) SI,s85.28 ($'792.64 for 11I1 &1111/99) S SlIIiG (late eharges) 'SZ,867:l.7 Other charges (explaiolltemlz.e): TOTAL AMOUNT P~T DUE: B. YOU HAVE FAILED TO TAKE THE FOLl.OWlNG ACTrON HOW TO CURE THE DEFAULT-You lll1ly c~ the default within TfIIRTY (30) DAYS of tile dale ofthi. rnnice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDE8, WlUCH IS 'll7. ""7.:1.7. PLUS ANY MORTGAGE PAYMENTS ANP LATE CHARGES WHICH BECOME DUE DURING THE TIDRTY (30) DAY PERIOD. Payments must be made eilber by cash. c:asI1ier's cbee~ certified ch""k or money order made DlMlble and sent to: Key$tOJ\e FlUaDcial Bank N.A. 1415 lUIDer Hwy Carlisle, PA 17013 You can cute any other default by llIking the following action within THIR'TY (30) DAYS oftbe date ofthi. letter: IF YOU DO NOT CUR~ TH!!; DEFAUL T-Ifyou do not cure the delavlt wit/dn THIRTY (30) DAYS of the date of this Nolice, the lender iIItends to eserelseits rigliU,toaecel1lrllte the lIIOrtl!llndebt. This means that Ihe entire outslanding balance of this debt will be considered dueimmedRllely and you may lose the chance to pay the mortgage in IlIQllthly instaIllllCots. 1ffU[1 payment of the tolaI amount past due is nOlllllllle within THIRTY (30) DAYS, the lender also intends to insane! its attorneys to Slal'llegal action to foreclose IInon YOUr mortl!lll!ed Drooenv. IF THE MORTGAGE IS FORECLOSED UPOl'l-The mortgaged property will be solei by the Sherift'to payoff the mortgage debt. If the lender refers yollr case to lIS 8lIOI'IIeys, but you CUR the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonQble attorney's files that were actually incurred, up to SSO.QO. However. if I. ~ are Slal'led apiDstyou, YOU will haye to pay all reasonableattomey's fees actually incutred by the lender even if they ClIceed SSO.OO. Any attorney's fees will be added to the amoWlt yon owe the lender, wbicb may l\I$o include other reasonable costs. thou cure the default witbin tbe THIRTY (36\ DAY neriod. VDn will not !Ie reouired to l'8y attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you persOnally for the Ullpaid principal balance and all other sums due under the mortg&ge_ RIGHT TO CURE THE DEFAULT PRIOR TO SH"RlI1F'S SALf:.-..lfyol1 have not cured the default within the THIRTY (30) DAY period and forec:losure proceedings have begun. YOU still have the rimt to cure thedelilult and DI'flvtnI. the sale at any time UD to one bolll' before the Sheriff's Sale. You may do so by Dayiml tIte Iflta1amount then Dast due. plus anv lare or 0Iher <:harges then ~II'Y- """'qnable a\torIIeV'S tjo;sand to"'" connected wilhthe foreclosure sale and any other costs connected with the Sheriff's Sate as snecified in wrltin2 b~ the lender and by -perfonnin2 any other re~ents under themo"'!"'". Curing your default in the manner set forth in Ibis ootite will restore your mortgage to the same position as if yOll lIad never defaulted. EARLIEST POSSIBLE Sll~RIFF'S SALE DA TE-lt is estimated that the earliest dale lhat such a Sheriff's Sale oft/le mortgaged property could by held ...ollld be appl'l)~imately four (4) lDooth$ fl'l)Ol the date of this Notice. A notice of the actUal dale oflhe Sheriff's Sale will be sent to you before the sale. OfCQUf$C. the amount needed to --. ~.~ 241-0060 FI~NCIAL TRUST 121 P11 FEB 23'00 11:57 .. ,r ... , I . ClU'e lite cleliult will increase the lougery/)u wait You may find out at QIlY time exactly what the required payment or llllIiDll will be by con1aetillg the lender. HOW TO CONTACT THE LENDER! Name of Lender: Address: Pltolle Number: Fall Number: Contact Pet'S/)lI: lCf!uatftlt. fin""'" BaD N.A. 1415 lIita... HHdtwav ~~71141-1'799 1'7l?\241~ lSimberlv J). Hammond EII'FECT OF ~RIIIJIF'S SALJ- Y 00 shouid realize dlat a Sheriff's Sale will end Y01ll' ownonhip of'tlIe mortglJged property and yDlD' ri&ht to 0I:CllPY it. If you cominue to live in tile pl'llJMIlty after the Sheriff's Sale. a lawsuit to remove yau ami YOill' fUrnishings and other belongings cooId be started by the lender at any time. ASSUMPTION Of MORTGAGE-YOU AqY or lIIay not (1I$Slllnpt!oa is dependellt upon original mortgage agreeDIen1~ sell or tl'8IISfer)'C)1U' hllllle to a buyer Qr lraDsfetee who will assume the mortgage debt, provided that all the oulstarJding paymOllta. eharges and a1tOl'l\ey's fi:fl and COSllI are paid prior to or at tbe sale and that the 01ber requirements ofllle lJlO1'Ig8ge are satislled. YOU MAY ALSO HAVE 'IlfIRlGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY fROM ANOTHER LENDING INSTITUTION TO PA V OFF THIS DEBT. . TO HAVE THIS DRFAUL T CURED By ANY THIRD PARTY ACTING ON YOUR llEHALF. . TO HAVE TIlE MORTGAGE ItESiOlUlDTOnm SAME POSITION AS IF NO DEfAULT HAD OCCURRED. IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HA VI:: THIS RIGHT TO CURE YOUR DEFAULT MORE TIfAN THREE TIMES IN mv CALBNDAR YEAR.) . TO ASSERT TIm NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSl!RT ANY OTHER DEFENSE YOU aELIEVE YOU MAY IiA VE TO SUCH ACTION BY TIlE LENDER. . TO SEEK PROTEC110N UNDER THE FEDERAL BANKR.UPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUll COUNTY Urban League ofMetropol!tlm H8rrisbul'g 2S N. Front Street Harrisburg, P A 17101 711-234-S92S Consumer~ CollDSeling Service of Western Pennsylvania, Inc. 2000 l-inglestown Road HlI1Tisburg, PI. I71Q2 7[7-541-11S7 YWCA of Carlisle 301 G Street Carlisle. PA 17013 111.243-381& S~fJ.lI~d/1 Kimberly D. HlU\lmond Loan Workout officer KDAAr --~~-i', I' I': Ii: ii \. , I: 1" I II:,; :1 ,: " 'il '; i I :ji ,I , :i ill Iii :jj :!i : :1! ,,, ;I: ""~ ~~_._~--- - ","","",,,,,I '-il", \ SHERIFF'S RETURN - REGULAR CASE NO: 2000-01009 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS MATTUS PAUL AGENCY INC ET AL SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County, Pensyl vania , who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MATTUS PAUL AGENCY INC the DEFENDANT , at 0011:00 HOURS, on the 2nd day of March , 2000 at 514 PATRIDGE COURT MECHANICSBURG, PA 17055 by handing to PAM MATTUS (WIFE) a true and attested copy of COMPLAINT - MORT FORE together with NOT! CE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.06 .00 10.00 .00 36.06 S;;:;}2~~#! R. Thomas Kline 03/03/2000 DUNCAN & OTTO Sworn and Subscribed to before By: ..... me this ;J.c.{ 't:.. day of ~ ~ ~ A.D. 9-e: a. '/U.,,j,-, , APpti Prothonotary ~... -_.~ - - - 1liI.iII:l ... \. CASE NO: 2000-01009 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS MATTUS PAUL AGENCY INC ET AL SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MATTUS PAUL the DEFENDANT , at 0011:00 HOURS, on the 2nd day of March , 2000 at 514 PATRIDGE COURT MECHANICSBURG, PA 17055 by handing to PAM MATTUS (WIFE) a true and attested copy of COMPLAINT - MORT FORE together with NOTI CE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 ~~~~ ~! R. Thomas Kline ~~ 03/03/2000 DUNCAN & OTTO ~. Sworn and Subscribed to before By: me this :LV-/{:::. .-L day of ~ ~ A.D. qQ.' .r ,c.c.. Mc.-(~<r..,.~ ~othonotary , ,-,-' ,1-, "l:;(, , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Keystone Financial Bank, N.A. Plaintiff v. Civil Action Law in Mortgage Foreclosure Civil Term: 2000-1009 Paul Mattus Agency, Inc. Defendant Preliminary Objection of Defendant in the Nature of an Objection to Capacity to Sue/Misjoinder of a Cause of Action. Comes the Defendant in this action and sets forth the following as its Preliminary Objection: 1. Plaintiff has brought a case in Mortgage for Foreclosure alleging that a note and real estate mortgage are in default for failure to pay the January and February 2000 payments due under them. 2. In fact the note and mortgage in question have been paid off in their entirety as the attached Exhibit "A," being a record generated by the Plaintiff, indicates. 3. There being no such note or mortgage in existence anymore, Plaintiffs cause is moot. Respectfully submitted, J se etz, Esquire 21 Pine Street Harrisburg, P A 171 0 1 (717) 232-0879 ,~ - J " CERTIFICATE OF SERVICE And now, this ~day of Hv-'/' 2000, I hereby certifY that I have served a true and correct copy of the fOregOin~On upon the person in the manner indicated below: Service by first class United States Mail on this date, addressed as follows: William A. Duncan, Esquire One Irvine Row Carlisle, P A 17013 ,Ui!\' '" :2-_ ~ ,--~ .,1 ~ W!!"_.; KEYSTONE FIN RBe NO.B22 P.1/2 APR. 7.2000 10:14AM SHORT LOIlN INQUIRY INQUIRY' 231. ACCOUNT: 00000304249 PAUL MATTlJS AGENCY INC SEARCH 1: 30011 SEARCH 2: SEARCH 3: ISS OT: 07/03/96 MAT DT: 07/03/03 ST !NT DT: 07/03/96 NBG AM/STAT/OV. N / N / N LOAN TERM: 84 EARN TERM: 84 PERIODS EXT: 0 IiILL TYPE: ,C SEND NO BII.L: A eRG DDA/SAV, CHG ACCOUNT: 00000000000 OFFCR, 555SS/WO LOAN STATUS: A DLR NO. 00000000000 DLa/INS/ESCROW. N / N / N LOAN CAN: 'c IN'!: 'I'YPE, S POST NO TRANSl ACCR/REB HOLD, N 00/00/00 1I0AN TYPE, 24B PMT TP/FREQ. 8/1 VAR P;' ;;;RATE PI..AN: 000 FPI RESERVE. N Ii'PI BILII M'I'1lD, L r ~ ~ ~ ORIGINAL BALANCE. 4S, 000. 0'Q.. CllRREN'l' Ii iNClil1'" FEES OUTSTANDING: 0.00 ERES'!' tlAI.: 0.0 3 ~;~o_ LAST '!'RAN AM'l';' 27,013.15 SCHBD l?MT AM'l'. 803.25 FIRST TOT/INTl?MT DT: 09/01/96 00/00/00 LAST TRAN/NBXTDlJE DT: 04/04/00 00/00/00 RATE MRGN PTS PCT INDX 11.000000 .. 2.000000 100.00000 LAST KEYWORD MAINT DATE. 0.000000 PREVIOUS KEYWORD MAINT DATE: 006 RT TYP/MRGN CALC. RT ov: RT UN: INDEX: '0 DB: A AUTHORITY CODE: 0 PAGE NO. 001 04/05/00 03/21/00 1 COIlLATERAL/LBGAL DESCRIPTION: TIMES LA~ 15/30/60/90: 035/022/004/001 ~ I; :i~TRIDGE COURT MECIlANICSBURG ( t '-'A;;; Fv}",'r--: >- !f) (:: S -.::1 )-...::: Z :.J.J (-'I C'J :-.:3 < R? :2: () Z C t__) Q. ;:;:( (5 S-:" C1::J , C) .::<>- n ,:;'i~ Lei ~j , , ~c;::: L:: c::; D_ LL1LU r=: ~~ kt~Q. 1.J.~ -'" 0 c:> ::J L' 0 > ,.. , , KILLION & METZ 214 PINE STREET HARRISBURG, PA 17101 (717) 232-0879 , -