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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-01678 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK ET AL
VS
VANASDLEN LEE E ET AL
DAWN KELL
, Sheriff or Deputy Sheriff of
Cumberland County, Pensylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
VANASDLEN LEE E A/K/A VANASDALEN LEE E
was served upon
the
DEFENDANT
, at 0009:05 HOURS, on the 3rd day of April
, 2000
at SHIPPENSBURG COTTAGES
319 DWELLING COURT
SHIPPENSBURG, PA 17257
by handing to
LEE E. VANASDLEN
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
13.02
.00
10.00
.00
41.02
s~;;~~/
R. Thomas Kline
04/04/2000
DUNCAN & OTTO
Sworn and Subscribed to before
me this In ~ day of
nJ/.l ,. 0 :2.-o-vD A.D.
I
Qt!h~;oB;r~:P'.'1 ~
By:
\JL\.Wt\ {. ~
Deputy Sheriff
..
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-01678 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK ET AL
VS
VANASDLEN LEE E ET AL
DAWN KELL
, Sheriff or Deputy Sheriff of
Cumberland County, pensylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
VANASDLEN SARA E A/K/A VANASDALEN SARA E
the
DEFENDANT
, at 0009:05 HOURS, on the 3rd day of April
, 2000
at SHIPPENSBURG COTTAGES
319 DWELLING COURT
SHIPPENSBURG, PA 17257
by handing to
LEE E. VANASDLEN (HUSBAND)
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
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 A;;~~e
R. Thomas Kline
04/04/2000
DUNCAN & OTTO
Sworn and Subscribed to before
By:
Do.wn i. ~
Deputy Sheriff
me this /0 ~
day of
~ ~ A.D.
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KEYSTONE FINANCIAL BANK, N.A. IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
Plaintiff
vs.
No. 16782000 CIVIL TERM
CIVIL ACTION -- LAW
LEE E. V ANASDLEN aIkIa LEE E.
V ANASDLEN and SARA E.
V ANASDLEN aIkIa SARA E.
VANASDLEN
ACTION OF MORTGAGE
FORECLOSURE
Defendant
NOTICE TO PLEAD
To: KEYSTONE FINANCIAL BANK, N.A.
You are hereby notified to file a written response to the enclosed Answer within twenty
(20) days from service hereof or a judgment may be entered against you.
Respectfully submitted,
Dated: Yo 28 - &0
~.~
Timothy J. Colgan, Esquire
Wiley, Lenox & Colgan, P.C.
1 South Baltimore Street
Dillsburg, PA 17019
(717) 432-9666
J.D. #77944
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KEYSTONE FINANCIAL BANK, N.A. IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYL VANIA
Plaintiff
VS.
No. 16782000 CIVIL TERM
CIVIL ACTION -- LAW
LEE E. V ANASDLEN aIkIa LEE E.
V ANASDLEN and SARA E.
V ANASDLEN aIkIa SARA E.
VANASDLEN
ACTION OF MORTGAGE
FORECLOSURE
Defendant
ANSWER
AND NOW comes the Defendants, Lee E. Vanasdlen and Sara E. Vanasdlen by and
through their attomey, Timothy J. Colgan, Esq., and file this Answer.
I. Admitted upon information and belief.
2. Denied. The Vanasdlen's currently resi1e at 319 Dwelling Court, Shippensburg,
Pennsylvania 17257.
3. Admitted.
4.Denied. After reasonable investigation Plaintiff is without knowledge or information
sufficient to form a belief as to the truth of this averment.
5. Admitted.
6. Denied. After reasonable investigation Plaintiff is without knowledge or information
sufficient to form a belief as to the truth of this averment.
7. Denied. After reasonable investigation Plaintiff is without knowledge or information
sufficient to form a belief as to the truth of this averment.
.~
8.Denied. After reasonable investigation Plaintiff is without knowledge or information
sufficient to form a beliefas to the truth of this averment.
9. The averment is a conclusion of law to which no answer is required. If an answer is
required, same is denied and strict proof thereof is demanded at trial.
10. The averment is a conclusion oflaw to which no answer is required. If an answer is
required, same is denied and strict proof thereof i[. demanded at trial.
WHEREFORE Defendants demand judgment against Plaintiff and request dismissal of
Plaintiffs suit with court costs to be borne by the Plaintiff.
Dated: Y- )ff-trl
Respectfully submitted,
~~~re
WILEY, LENOX & COLGAN, P.C.
1 South Baltimore Street
Dillsburg, P A 17019
(717) 432-9666
1.D.#77944
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VERIFICATION
We, Lee Vanasdlen and Sarah Vanasdlen, verifY that the statements made in this
document are true and correct to the best of our knowledge, information, and belief We
understand that false statements herein are made subject to the penalties of 18 Pa, C,S, 94904,
relating to unsworn falsification to authorities,
Date:
Y'c-Z'O-=
Lcd.. - -/.t;
Lee Vanasdlen
Defendant
Date:
fI.-zt-tV
Y,,~r! UCVn~
Sarah Vanasdlen
Defendant
~~-
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CERTIFICATE OF SERVICE
I, Timothy J. Colgan, Esquire hereby certifY that I am this day serving a copy of the
foregoing document upon the person(s) and in the manner indicated below, which service
satisfies the requirements of the Pennsylvania Rules of Civil Procedure, by depositing a copy of
same in the United States mail, first-class, postage prepaid, as follows:
William A. Duncan, Esq.
1 Irvine Row
Carlisle, P A 17013
WILEY, LENOX & COLGAN, P.C.
Date: 'f-U-17J
By: ~~y~~re
Supreme Court J.D. #77944
1 South Baltimore Street
Dillsburg, PA 17019
(717) 432-9666
S: ICLIENTSICOLGAN\V ANASDLEIANSWER WPD
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-01678 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK ET AL
VS
VANASDLEN LEE E ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
VANASDLEN LEE E A/K/A
VANASDALEN LEE E
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, VANASDLEN LEE E A/K/A
VANASDALEN LEE E
DEFT. DOES NOT RESIDE AT ADDRESS STATED,
LEFT NO FORWARDING WITH THE P.O.
Sheriff's Costs:
Docketing
Service
NOT FOUND RETURN
Surcharge
18.00
3.10
5.00
10.00
.00
36.10
~
~~e
Sheriff of Cumberland County
DUNCAN & OTTO
03/27/2000
Sworn and subscribed to before me
this
-.t.-
10 -
day Of~
""un, A.D.
~f2~~
Prot onotary j
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-01678 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK ET AL
VS
VANASDLEN LEE E ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
VANASDLEN SARA E A/K/A
VANASDALEN SARA E
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, VANASDLEN SARA E A/K/A
VANASDALEN SARA E
DEFT. NO LONGER RESIDES AT ADDRESS STATED
LEFT NO FORWARDING WITH THE P.O.
Sheriff's Costs:
Docketing
NOT FOUND RETURN
Affidavit
Surcharge
6.00
5.00
.00
10.00
.00
21.00
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-""---
"---...-- -~~--
( Thomas Kline
Sheriff of Cumberland County
DUNCAN & OTTO
03/27/2000
Sworn and subscribed to before me
this
JD ~
day of rtf..j)
~ A.D.
n.';(L.. Q. 'rvw>j;I~I~
~roth notary
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KEYSTONE FINANCIAL BANK, N.A.
PlaintitT
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
.
.
LEE E. V ANASDLEN aIkIa LEE
E.VANASDAJJENand
SARA E. V ANASDLEN aIkIa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM
2000 - Ie. 7;> COl1
NOTICE
YOU HA VEBEEN 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 FAlL 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
T'RUE COpy FROM RECORD
lilT estlmony whereof, I here unto set my hanG
and the seal 01 sald~, ilt Carlisle. Pa.
~~~y ~~~
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KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
CIVIL ACTION - LAW
LEE E. V ANASDLEN a/kJa LEE
E. VANASDALEN and
SARA E. V ANASDLEN a/kJa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM 2000
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, ofwruch 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 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013,
2. Defendant, Lee E. Vanasdlen alkJa Lee E. Vanasdalen, an adult individual, and
Defendant, Sara E, Vanasdlen alkJa Sara E, Vanasdalen, an adult individual, are husband and
wife, and reside at 11 Hill Road, Carlisle, Cumberland County, Pennsylvania,
3. On or about November 6, 1992, Defendants made, executed and delivered to
Plaintiff an equity line agreement and a real estate mortgage financing Fifteen Thousand 00/100
Dollars ($15,000,00), a copy of said equity line agreement 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. Lee E. Vanasdlen alkJa Lee E, Vanasdalen and Sara E. Vanasdlen alkJa SaraE.
Vanasdalen, are the sole record owners in fee simple of said premises subject to said mortgage,
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by virtue ohDeetid,ated March 8, 1985, and recorded in the Cumberland County Recl1lder's
Office inDeed Book "31", VolumeD Page 436, 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 February 1999,
March 1999, April 1999, May 1999, June 1999, July 1999, August 1999, September 1999,
October 1999, November 1999, December 1999, January 2000, February 2000 and March
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 9, 1999, a copy of which is
marked Exhibits "D" and "E", and attached het;eto and made a part hereof by reference.
8. The Plaintiffhas given written notiCe of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated December 9, 1999, a copy of which is marked
Exhibits "F" and "G", and attaChed hereto and made a part hereof by reference.
9. By reason of the aforesaid default, the entire principal balance of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, with interest thereon at the
rate of9.95 percent per annum computed from December 28, 1998, 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 due
to 3-20-00
581,407.47
B. Interest due
to 3-20-00
1,389.57
C. Attorney's CoUection fee
704.85
TOTAL:
$14,801.92
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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 Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, together with interest
thereon, costs and all other amounts advanced by Plaintiff.
_. ....~
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YE...lUFICA~ON
I, Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone
Financial Bank. NA, 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. q)
1tf/V
aCk V. Hutchison
Sr. Vice President
Keystone Financial Bank. NA
03/20/00 nON 12:16 FAX 570 628 9231
~STONE COLLECTIONS
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EQUITY LINE AGREEMENT AND DISCLOSURE
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03/20/00 MON 12:16 FAX 510 628 9231
KBYSTONE COLLECTIONS
1i!J002
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EQUITY LINE AGFlEEMENT AND DISCLOSURE
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03/20/00 MON 12:17 FAX 570 628 9231
KEXI1TONE COLLECTIONS
~004
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EOIJITY LINE AGREEMe~lT AND DISCLOSURE
(CantJnued)
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~ed ....1.Mftl't.-,t, VQu d au fMIa:rl ~.Igr n flr.t4f Y"A CJI HO'M ICQ:altlLJ/Wr:::l Cr.. C~S or gUy Crr.Mll"lt K1CMS ~
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RECORDATION REQUESTED BY:
Ro::::nr :'. Z;ECU:.1'l
IiECOr:OEH Of DEEDS
CU:.;ct:,u.rm COUNTY- PA
rr.rm.r. TnI151 comp.ny
Olle WHI Hlglt Slretll
Clrtllltl,PA 17G13
WHEN ReCOROED MAIL TO:
Firmer. Trull OlmpInJ
Dna Wa"t HIgh Sfnd
CIIrll3ll!,PA 17013
'92 NDU 19 AI'l a 17
SEND TAX NOTICES TO:
lee!!. VIInudlen', lIJkll Lee E. VIIII.lId.le". Sata E VDnllSdJen
oIIndlllklaSGr_E,V.nllsdalcn
4GO Nablllr alv4.
carn.IIIt.PA 17013
SPACE ABOVE THIS UNE IS FOR RECORDER'S USE ONLY
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OPEN - END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCES
iHlS MoRTGAGE IS DAlED NOVEMBER 6, 1992, between lee c. Vanasdien, aJka Lee E.. Vanasdalen, Sara E
VBnasdlen and alkllI Sara E. VanasdaJen. whose ,add'rass Is 400 Noble Blvd.. Carlf8ls, PA 17013 (referred 10
below 8S "Granlor"); and Fanners Trusl Company, whose address Is One. Wesl HIgh street. CarlIsle, PA 17D13
(referred to below 88 "Lender").
GRANT OF MORTGAGE. For yaluabls conslderallon, Grenlor gnInlfl blrgtln.. sells, CGnvGy., lurgn., trartlfehl, flllllues, canl\nnll anI!
rnOl1gagU to lAndtr" of Granlor'l. righI, 1IIle. Inll IIl10rmln WId 10 IhI! ~owlng dGMXtbtd roaI propaIity.loglllher wllh at .mlln~ CIl' t:1l~que"m,.
ara<llad or 11/ilCGd bUlldlnlP. ImprtIVomtllnts <IInd lbtIurc.d srro.lI, IlfIOl. alloys, pIlhllV;G" and WlYli" IUlna,*, tlghll or WIly, IU IIblrlln.
pllllllllOlJS, III~ne., "--dIlall'lllnls, Ind I$Ipurlen.nlWt Il1vrulll'llo bllonglng 01' .nywlQ II'ID IlJIPUrllncliit horUltat. lI"d Ihll I1Ivtrdor>$ IInd
I1Im11111l:llrs wl\h resp~ lherelo: In wllor. WlIW rlghl.. wr.1IIrc1l\PSCl1 and ditch rlahl$ (1r1dllcllllg' IIock In uIlRn wllh i:rllch or lrrig.Uon r\ghtI;); IInd l_
olliII' rlghlf, royaI\lDl, lIlld prolltl ralllllng 10 lh. roaI proporly,lr1C/UdI"owlDIout Kmllll'flori .'lI'IInol'als. oI.ou.g.CItMrmallnd s1mnlrmllllcn.located
In Cumberland county, Commonwealth 0' PennsylvanIa (the "Real Praperty");
Deed Baak 31-.1 Page 136 and Deed Book 31-D PajJe 436 Tawnshlp: We'l $Jen~boi'o
The Rea' Property or lis address Is commonly known ari 1-hHHI Road. Carlisle, !=fA 17013.
GrlIontQrpm.9I11l'1~~ I..llndtr d,~f~rtgtl\,IiUt.,t.nd\n~lr.lr\dlo ~ __oal:'!I.~ irld all R0n'$.lrom Ih9PfOpeI\y. In
Oddlllon, Grllnlor gmnlS 10 landOI'. Unlform Commll~l1l COd. I0eUrUy ItlIlll'Osl In IhlO Pina~ Pl'Gpilrlylnd Rania.
DEFINITIONS. Thllfolfawlng W1Irck shan hll.....lho 'olawlng mllnl";s whon usndln IhIs M<<f~PL T~lTI1s ric1 othofWbnl delnEtd In 'lib M~ shll'
hllYO IhB I1I9iIIrifllllUll:lbulod 10 such ltrm'l!lln lho Unllorm CommBrclll Code. All nferlll1CM 10 <l'alrw" amotlnTs shd mIllln llITlClunls: In lawful mCllley 1I1
thIlUnlllldSl'alnolAm\Jrlcll,
CrDdll Allrllemlnl. Thl>> wordl "Cradll Agroomlrrl- nm.n l~ rDVCllvlng 1111I of credit lIor(l8ll'11nl deled NOVIOll'IbllO' G, 19&2. botwoon le"d_.nd
Gril"lor wRh . credit limIt or $1S,OOD.DD.1ogeIhor wIlh I' r.rrllWlls or, oxIl1nslona 01'. modflk:llfol\$ IIf, rlJn"llnclngs or, cortlIolhl.llons. 01.
Ind slIbtlltllllo",'lIf thlO Cmdll Agrellm."l.
ExIlCfnlllndlbladness. Tho words: "ExIsllng lndeblodness* m94n IhlO IncloblodrnlSS doscrlblld bolow In 1M ExIs11ng Ind&tlladnllSl seellon erlhls
Ml7!lgago. ,.
Gnnlor. ThD wcrcl "GnI.nltll" mollOl lea E. Vlnosdlen. oJIatLtlIt E. VlIInosdllfln, SlItl EVlUIlIitdlan and.,w" SMI ~ V.nUdI.IOfl. The Grllnlor
!Ilhe mlJTl~gar lIndllr' ltu MolIQ':l.glO.
GUlranlor. ThIO ward 'Gulrlnltll" mellns and lncludlll wllhaullfmllQllen, ooeh and aU or IhlI gUMllnlors. SUI'8lIoa. and iccommcd'allan pallles In
clI"nllCllonwllhlhBl~deblDd"ll'IS. .
Ill'IprlWllmllnl.. Tho word "'"",roIIIIlTlIInls" ,,"lISnl .rn:l Indlldo.l ....Uhoul: llmllaUlln Illl .SUIlO .nc1 fuhr.. lmpl'OYO>l\Of'll5, nlllura!:, blllldlnCll.
slruclures. mobllo homos lIll1xlld en Ihl AlllII P:cpllrty.lacllllos, .ddlllons and oIhDl" ell~lrlIcllan an !hi RciAI Pmpcrr1y'.
hldebllldnflu. Tho wlIFd 'lndoblodnllS$' mnns an pMefpel up 10 'f~.DOO.OOoul"llI'Iclng undltl'lhlll No'- .IIllny lflTKlltld InTefesl payabla under'
lho CnId11 AgroarT\llnf l&I1d any lmoun" ox13eru:1l1d or IldVlncod by LundlJl' 10 dlscharg. cblI'gallons or GrJnlor or 1lI)1Jl1!'1Sn Il1Ctb'I'Od by lII1dor 10
(lnlorco obffUOUoll$ or Gl'I.nlor u"der1Hs M~1!, lo;olherwl1h fnllll'osl Qn!AA:1t Il.mlll,ln1a i; prDVldIld In ItrhI Mol1l11gll. Spaclflcaltr. wllhoul
Ilmllallon, Ihls Mor1lll1ge ~rell . fcyolvlng 1ff10 Of mdll, which oblllllllu Lendar 10 Il\Itk8 llI1Ianca 10 G~!OI' unless Granlor fdJa 10
comply willi .lIll1c 1alms 01 !he Credll Agremncnt.,tl1.cndlf glycal3rmnlorl noUc;. 0' d.f13U11. Such otIvanc:r,.. rN1 be mada,l'fIpllltl,
IIfIII nmede frOm 1111I1: 10 lime, sllbJccllo ilia IIf1\llallon thll tht lolDl oulalanQlnSl b~n;:r::J:d.,'" $r1y Ol'ie IImt. nor IndaalnllJlnanf:e
chngtlO on OtIch blllancl al II llxed Ot' 'l/orIll1lo fltill Of auin'lIIt PfOVlded In tft. CrlKln . ~tomPot"" OVef,ago, IIUItof charves,.
and any Mlounls I!Xpended Of edvllneed as provided In, Ihr", pare17apll, \l1;ulll 'lol, elCc:fIed_11K CfOdIt UI'IlII, as ptovtdltd In Ih. Crcdll
Agrlement. II Is Ihlllnllmllon of Gt.n'!Of Irld Lender DfIlllhr. Mol1~e ACUfe. Qli bafll~ oirlilinafnd' under Ihe cmm Agreemenl
from lime to lime from zero up 10 IIlII Credll UmllllS proYk:le~ above Bnd lilY Inlermlldllla bdlartci, pWI mlttra,l. TlIellens Ind securtly
fnleresb mated puruullnllo lhls Motlllll{ltr coverlnlllhe Indebtednlss whIch mllY be crealfld In 1M! Nlure shill Rrlllll back 10 Ihl (lllle Of
lh!sM~~ .
lelIdlr. The wllI'd "Landar" ml.llns Farm!lf$ Trusl Cllmpl.llY, 11$ successors Ind o~ns. Tho Lunder's IhIt morlglgell under Ihls MorIgIIIII.
MorlQ4gll. Th. word -Mor1gaQe~ mell"S lIlls: Mllrlgage bolwlKln GllInlor and Lendar, and IncludllS wllhout KllllliUon lI,K lulgnmllnls IInd sllCurlly
l"l9l'oslproW;Iansre!llllnglolhtlPSflIllI1lIlPropllrlyondRllnll.
Plf:a;lmll propllTly. The worcb .Personal Prllparly" meon III lQUrpmenl, lhdures. and olhlll' arllCIDs 0'1 par.ional prcpllrly now or hBfOlnlOf" owned
by GrenlOf, lind nOW or hamallar 111lachad or olr.xad 10 Ihe Raal Praporly, 1000Blher wllh aII0CcesslOF1S, parts, IInd Gddlllons 10, an replBcamonls 01'.
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~ "EXHIBIT
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MORTGAGE
(ConUnued)
Plge 2
ItId 11I1 swlIllUl1w far, any alsuch praparty; and logelhll w1lh llII proceed. (InalUdlno W!IhoIIIlrNlaIIan a11lnswatlCll pTGllllSda and refundI Of
premlUllI5JfJDmllR)'SllI8arolhlldlsposllonallh8PtapIllty.
PRlpa",. Tha WOld "Property' mlllIllI coII\lCIIV8IV lhe Real Prapurlt and Ihe Per&CInal PrGp8fty.
Real ProplflJ. The WGl'dI 'R8II PtaperV lIl8I.n the prapeIty,lnIar8Its Ilftd Itghls d8liGIIbed a~IIlt'" ItlI "GrBnt al MarIga;e- eec:tIon.
Relaled Doctunen1I. 111e WOfdI 'Relal8d DOClImanlt' mBllII Ind Ino!udl wUhaullmllaUllR III P/lImIuary noIllI, CftIdII qf88lIllIrdI, loan
lWUmDAII. ;uatanllal, uawRr Igf8lltlllInlI, l!Illi1lI!lglI!, deeds oIlMI. and 811 ok InsllUlIlIRII. Ql'88ml1n11 and daaumlnIa, whlllhW naw ar
tvnanlll' eMIIng,8lI8CUIed In canllllCl10n VI'I1h I'" Indebl8dnass.
Rcnla. The ward "RIn"- muM aI prasenl llnd Mllr. ,enlll, f1MIntlU. 1Acama. 1uw5, royaIIIel. pralils. ,.nd olh8r b8Jld1l dIrhIad Irom I/IlI
Praplllt,.
THIS MORTGA,GE, IltCLUDlHCI THE ASSIGNMENT OF RENTS AND THE! SECURITY INTEREST IN THE R&NT8 AND PGRSONAL PROPERlY, IS
GIVEN TO SECURe (11- PAYM&NT"Qf THe INDEBTeDNESS AND (2) PERfORMANce- OF oW. QBLIGATlONS OF GRANTOR llNDER nus
MORTGAG!:-AN~ THERB.ATEO DOCUMENTS. THIS MORTGAGe IS GI~ AND: ACCEP11!Q ON lHEFOLLOWING TERM.
PAYMI!NT AND rERFOJiMAHCE. Ellc8p1 U olhllrwlall ptDVlftdln1hlt Martgllge, Gran&orlhill PlY ta LIIndWlIIamaUllllIQClUl'lJll bJlhII Mortgage
as lht1 become due, and IIbIN IIlfdvperfarm d 01 GranIOl':i otIl1gat1ons undltlhll ~
POSSESSION AND MAINTENANCE! OF THE PROPERTY. Granlar IIgruplhlll GIInlal'l pclIS8S5Ion and U58 or ItI& Proparty slid il8 goVlflllld by IhI
IoIlaw1ngprovlslons:
Poueaalon and Use. UnIIIln delallll. a"nlar ma, I'lIfI'IlIln In pOlS8Sllan and canlrol 01 and operate and manllJllhe PrapIIty oil ooIIlld IhD
ReIllslromlhtPrDplllr.
Duly 10 Malnlaln. GlenlDt' shiN malnl8ln Ilia Prapell, In Ilnantable candlliatl and prampRy perform all repaIta. tep!lICIIrnan!I, .nd mIIn1eftlnca
I\f08SSIlfYlapl8$llMllblvallll.
....n1alll1 SUbslancel. Thllarml "haWdoUI waslet '1l1Dld0lJS IlIb.llnce.- "dl5pll5ll:"relIil8Slt,. ~ "lfvee,tened '11eUe,- II UIId In IhII
MDl1li1llQ1. slIaII hlVllhlulIIlImunll\llllllIlarIhln 11'1II Co~eR\llranmenIll_Q/JIIt.Campenllllan, IndLllblllrAct 01111IIO,&1
alll8ndlld. 42 U.s.c. SDal\an 8601, 81, aeq. t"CERCU,. lhlt SIlpatlund AIMndmlflll and R8IulhllIfralIDn NIl 01 '. Pub. L. NIt. ......
("SARA"). lhe Hlzudous MlllllIaII Trans~lllan Acl. 41 U.s.C. SIatIan 1BD1,II ~.._lht RIsOUl'Ce CaI!llMlIIDn Ind ~Aa\ 48 U.s.c.
SIDIIon 8901, II Hq.." Df olhtJ' appllcabll stall Ill' flldllr."'lwa. rullllo Df Rlglllallllllll adapllld p'UII1IInllo any of ltIa forIaaIna, TblIInaI
'bnIrdOl/l was..- and "hIilUdaUllllbilanaa" stId aISD 1naI.... wllhau1lm11aUon. -Pllraleulfl .nd"pali'Gleum by-producll 01' .-nr hoUan IIInol
and lIb8s1as. Grantor,..ms Ifllf Wlffanl$ lei Lendllt IhaI: 00 During thI,lM1Illlf or GranlOl"G llWlIIfi;hIp 01 011 PnJp"',1hin hll'beln 110
_QIIlIll'aUall;fllI~II<<IaI.rr,&lmlfll,dlsposal,reI_orlllAlilanld'talaUaoflfl1~"sIlIoraubstinH~:rnan,
Ilnlfar,Df,abOU111lePfllIl111wi (b)~I:\IDt'l1alllDkflowled!l801'Cl!'l'IIIIllRlobeIIeVIlha,I_'''', _",'8JllJlIJI1UPnMa,'"._ !aUld
acknowllldgld by ~lSIlF '" willllIlif, (I) anv use, lIlIntnIIIon. m_lnulaclln, tIaIq.. Il1Ilmanl, __j-...... 0I11ri11in1d,.... or anr
IIIW'lfDUI,wa,,'"_Dl'lullllal\CllbYlIlV, prIal'ownlWlaroccupanllorlhD"FfGpllylll.f, =llI'_uv..~'lIIIg'IlI,"ar-,_ cIIImIofanrWndby
IIlJ'p8lIOn,l'III, Ungta.ldI, ,......., ""',(a)EllCspIUPl8\'laullrdllClnflllolRd ItIgedbflancl..." 1llwi\Urit. CQilellhlrGtl.......anr,
18nsn1, conll8c1ar. apnll'llt oIh1l'lulbollad IIHl' oIlhu PI'opINty thai .... IIfIIl'IIe. manuIaaIure, 11-. '"":tsar. or...... a..
" hPardOUli wala Df ,Willinn on, unera;. or aballl the PfDplr11amt ~Q any SUCh IlOlIvIIr Ihd h cOndUcleclIn com ,_ _ 'lIllh.....".....
flldnl...llllI,and'Iol:II_,.g~VorIIand,ardklanaee.lncludlng w1lt1DUI,amllalanlhcillllaws.reg~lftCI, niiIl*I dllDdbelJabCI\IL
Branlat,u1ha_LendWand Its~ Ia,anlllr upon'''' Plt:lpIfIJ la'ftIIlca auchlnlpllOllansanllA;tIla.. Landet_dNm~1D
delMmlna,complIllnce,alllla PropadY wIIh IhIs HIlllan of.... MOIt;ap. Atri Inspec:llcn" or fnII mtiIe IIrLendlr IhIM, .. "'........., ,.pUmurpmous
cWIand ,1I1111 nol blcanslr'uld 1oa'Hle anvRHPolllUllUlyot OabIIllf an"" part Ol'LtnckriIoGmUr"at 10 IIIVQthll'plIIOIt. ........ntlIIonI
and warranlla, aanlalnH her1In art bIRd on BnIn1Ot'S dUll dUlliIllllClln klVllllI8llng UtI PnIIH1lir tar ~Olll'" GnIri1G1 "-by tal
~lISlIllnd waIvat IIlrt MUM aIIImi 'liIRlnsl L.enc* 10!' Indamnlly ar i111nlllbllllon In ilia IIVlIIII drantar baaom_1IbIt far:ctaanup ClfaltllrGDIIII
1I..nv lucblaws, and (bJagr8ll$lo IJIdlllflnllrand I\aId twmle5SLandIr .f!IIUVIllld dclllntl.laU~ ~ damagu,,.-. and
lIXplHlJ8l which L'~d'" ifill' ,dIrecIl)' or Indlre~ ,UItaIn or suBer ruulDIIlif ,flam . bfMfitI O:f IhII HIlIIoIt illlhi MO!tgiga Of" allllftl8ClUllf\llll 01
11'1, use, gaf\IRIRan, manufIlcI, 11I'8, Slam.ge, dJspo~ reI8uI ar IhmlelMld ralll118, ocounIna pilar 10 B, rantor's ClWII",1llp or IntInIaIln 1tIa
Properl,. WIlalll8r ot nail"" sama W8ll'11t Ihlluld haw blllJJlllnawn 10 Granlat. TbI pro1lfslOM "Ihls l8llIIan at the M", Inab.uIng U.
oblllilallan 10 Indemnllr.lllalluMwl, lb' pavmanl Of !hllndlbllldnllllllnd lilt .allsfado" Ilftd roc:a~ of.... Ian oIlt1ll MIIIgalift llfIcIshllll
mil be flffaclad bYLen~-acqlhllloll oIlIIYlnlnsI In !he Property. wbelhe1 by krnIcIosUf8I1fDlherwlse.
Nuisance, Wille. Grenllll' shill nal CIWII. canducl or p_mR an, nlllulllle nar oom.... I)8l'(lIII, or 5UfIIt any stripping 01' ot WIll. on Ilt 10 ilia
Propll~ ar IIIlY portion alllle Prap8lly. WIlhDulllmlUng Iha ;enllrallly 01 IhII lllrIgaltlg, dnnlar wBI no! Rlmcwa, IIf' grant 10 any olhlr party ilia
llliflll to ramavu, all)' Umber, m1nllrals (including aR and gu), sail. grlwl or racII praduals wllhoullha prlarWIIllllnaolll8ftl ofLendlt'.
RemOVal allmptOvemenl$. Grantor shall nol dlmollah or ,amova an, ImplOVllmllflll I'ram IhB ReIl PfaplIrIy wI1houll'" pilar wtIHan consefll of
:;\ Lendllr. As a ooncllUatI \a !hi removal of atlV Improvemants. Lsndlr ma, l'Iqlllra GranlDr 10 make lIl'I8IIliIalllltfllS sdllaclorr 10 Landarlo MJlIllOB
~ I luctllmptaveman!s wllh Improlll'/llnltnla oIalleaslequai value.
t.... lender's RIghi 10 Enler. Landor and IIs.agBllllllnd 'DpteSBnlllollll8s may Itnlal' lIpatllhll Rail Prap~ 81 III reuanablllllmB$ 10 all8nd 10
...... LendBts Inloresls and laln5pec1lha Prosiarl)' lor PUrpOSIlS at Gtanlal'l campOaI1ll8 w1ltllhBlerms and aandlUons or IIlIa Mflflgallfl.
f.3 COmpllan" wllh Qovemmsnlal Requlremenls. Granlor shall promplly CORlpI, Wllh III laws. ardlnallCBS,lIIld f8gUIIIIonl. l'IDW Df haRlllll<< In
slfltCl.. 01 aA governmenlal aulhorllls8 appllcabla 10 lIle UlS ar occupancy 0I1h11 Prope,.,. SrenIDr may canlellln gaad f111h Inv such law,
:~ OrdIMnce. Of' regurauan end wOhhard compliance dullng any PfDCeedlng,lnaIulIlng apprClfltlslupputs. solong IS Granlar "', nalllIad Landar In
f,\ WIlling prior 10 dllrtllif sa and 10 long IS, In Lllndal's loll opinion, llndn lnteralllln lha PrGpalty IIfG nallaapinllzad. lItndet ma, raqUlta
h~ Gfll.nlDl' \a PD5lldaqUllla~rI1, or IIWB!y bond, rallonatlly aaRslqollll')' 10 Landllr, 10 pralBol Lender'slnlllnlsl.
I:C Duly 10 Ptalm. Gnudor Igl'8llS n_allhllt 10 abandon nor lalllle UfUlllllndod lhll Praparly. GtlIntar stu!O do aN a1her ICb, In GddlJlan Ia Ihose aclll
00 ,,110M aboVllln IhlISecUon, whlclllram Iha chllrlllller Gnd Ulll al\ha Prapa~ II'lIIU$OIIIbIr tIllCllSSIl')'Ia pral8clend pl'8HMt lhB Proparly.
CUE ON SALe: - CONSENT BY LeNDER. L,ndar ma"allls opllan. dfICIll'lllmll'lEldlalaIV due and pa'llble aD SlltM uaurad b)' INs MotIgag8 upcm 1M
Sill Gl' Ir8nsf8r. w1tllaullh' Lendflfs pdar wrlUen canlDnl. or an or Iny part 01 the Rill ~etIy, or llnv InIaresIln 1111 RnI Prapartf. A""saIlIll'
lranslar" means Iha oonWVllIllle 01 Rill Propart, (II' an, tlghl, UIle at InIDrell"""nj whalhaf'.1ItJ81 or eqUlIlltlle; wnalhlr wlunlllry or Irwllfunllry:
whll'hDr by D\IIrl;hlsala, dud, Insllllman! se" conlrllcl. Illnd Donltael, conlrllllf IClf' daed.1IIasehDId lnIaresI willis Ian'n gl'BIIIt than IIlRIe PI)'llll.l1,
Iea5Hpllon canlr8al, or bV 'IIa. anlgnlf\ltnl, or I'llnll. of any benaHcIaIInlll'8llIn 0I1a any land MI haIcllng UlIlI III Ihs RIll PraJ*lr, or In Inr
oIher mllhacl or convapnca 01 Auf Plapertv /nloresL If flny Granlll' Is a ClDfJIDl'BUan or putnarshlp. !tanlllr aIsa Includelanv ctulnpln aw'n8t8lilp 01
mara lhan lwenlr-lJve parcenl125%. of !ha YaUng slock or PBllflllnlhkt Inlaresls. lIS Ihe CIS8 may bllo 01 Qranlar. Howalllt. this opIIan lhal 1101 be
~lfbyLBnclllrllluchllHlrc:lUlsprahlbllGdb,l8d&rallawarb,;all~JqrllW.
TAXIS AND UENS. Tha loUllWlng provlllonlralaltng 10 thalli." line! lIans on Ihl Prapartr 118 a pa" gllb!1 Martgap.
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MORTGAGE
(Conllnued)
P8ge 3
Porll'llnl. Granlll' shalf pi)' Whln dUll (lInd In aliII'lI"" prill' 10 dellrtqulnorI GllaxIa. plQl'llll.... speclll ...... aulllSRlltflls, walDf oiling_
Ind I8WW I.... chlll'QH llMlICI aplnJl or on lICOD1II'l1 oJ the PI'opertr. IInc1lha1 PI)' when d.... in cIaImI Jrr work donI an or (or IIrv1cas
mullr8llor~ful'nIth8IItalM.~oplltty. Glt.nlar*llmalnl&\l'l""~_1:II""'''''''''''~VftI'or8l1Ulltoftlelnllmlol
llIndlll' UI'ldur Ihlll MOl1gagl, ~ for I. !Ian 01' IaDsllnd USOIIrmmts nal dull, 8lIlllIJ)I ror lhe EJdIIilo lill:llbllldlliu...rem.d to bllllow. end
eapI al oIhIrwIs1I provlcl'lId In 1118 falawIno Pll8graph.
Rlght,To Canle". GrlnlCII ml)' wllhhold plymenl of ~ IM.lIllSlmfIl8fI" or dIIm In lllIl'IIlIIl1llm 'oVIIh. 0GDlI fdh cfIIpuID 0Wf Ihl abl/olllon Ie
pay.lIOlong..l.In_"1nler8s1Inlh..F'nrpefC)'III1C11~ 1I.lIllnlllftuarIt1hcl8l.lVIUIIdlnoJJllIJmIIIII,~shIRWIlNnnnllDn
(IS) days..n.I.,. hn IrIsa 01'. B_II"n Ia IIIed. wRhIA 1ISnn" ~!t'J: ,n... Granlor hu nolo orh ~ MDLn frl. illlctlaTil GIlt.. Ikm. or II
NQ.UlISlad b)'LendDt. dllpCllll wllhulUl'..aash or llUfIIcIenl surely bond OI'oIhIr ..allillu.~1li Llitl....1ft an amauntlulllctl8nl
fa dl$Clhlualllht-lD_n phllllfl)' cosIt, ....,-.1I1lm1V1" _',III'-ORII" ohI,," IIIIt oaufd 1CIll'U8". f8I1lII of alGniclasure 01' uI8 undIIr lb....... In
II",COfIIIIS1.GnIn111' Ihdde18ndnHfiC&ndlIA. Ind.hd..u.rv.nylldYllrle'JudDlPClnl~~I,,,,InslIhtPnlpeltr. Chnllll'shlN
n.nwL8ndl1ruan.ddllfonlloblIgBlunder.nylUrtlybond~InIhtGOnl8llprDOllldl.
EvldiIf\Ce 01 '.,.",enl. QlllnllII' IhIIl upon dlImllnd n.nIIh 10 Lender ullsJBolDl)' evtdIftIII oj paymIIl'lI oIlht IDIlu or lII...SlIIlInts and IlIen
authariH Ih. lIJtPtOf:lrlall """","lRlnlel D1l1c1a11o dellvw to Lender II IIR'f' time II wrIllen I18.I8I'll8r11 GlIh8 .... Ind US8$Iml1l1Is IIJIIIIII11Ie
.......,.
Hollcl 01 Comilmcllon. Ql'lln_lor 111I. noary Lend" allNslllJlaen C1'>> dllp beFore II')' Work " commllllClld. II.., SII"IIaeI .,. fUmlshld. II' IIW
mal,rIIIs- 1m suppU,d to Ih,-Propaltr. II anr mlOhll'lla'll.n. malllleltn8n's 1Illn. or DIllei' Ikm crollll be 8II1IrIId an accaunt DllhI won,lllMcIs,
Dr lIllllarlals Ind Ih8 casll!lXCNcl's '5,ODD.DQ'. Qrlnlol' wi! upon reqUOlI DlllIndlIr Iumllh 10 lander IdVIlIllllllSSWlll'lCllll 8ll1llfaclory 10 lIndl1r
lhal Grlnlw can Ind will PIV IhI DOll tlluoh Impl'O\l(lments.
PROPI!RTY DAMAGe INS""~CE. The following PfO\I!IIOnI rellllno 10 lnIVrIna IhII Pnlp8!ty Dnl 8 pari or IhIs MOttgqa.
MIlnltlnanae oftnlufIlnCI. BrllnrOr 111&II Pl'llOU,..rrd 1IIIl~ poI\aIu of 1Ire,InI\11'11.,....WRhslandltd~ Cr:w8rllpllndarslmanls on II
repllClllltlnlbnll.fot I'" M11~\IllIUecoverl","'lIlpftMlrlInll onIhlJ'iII.~In.narrtOUj'ilJUJllclanUollvaldapploattonoflny
ClllnsUI'llnctdlUlD,lndWllhlllllicll!'drnorlgIllHcIlIU.., Infavoroltlndlr. ~shIII,' ", ,wrItten...,'uoItlllJll8fttl;, corilpelUl.ridlnluoh
farm I' mar be'fusanably DCCIp_ Iv Lend.... GrlnlOr ah8I dBllwi' 10 LtRdlr '*:QRCllln of 1IOV8IJG. troin,HCh, Insurer- canlllnlng 8
~ulallon IhIl cOYtI'Qll war,not be Cl.fIlllIlIed or dlninlshe.!fwlfhoullo,,,,,",mum of "n (to) diJj~ prlOl'-WlIllla'nOIIoe'lo.l.eRdlIr Ind nol conlalnlng :
any dIScIllm" of Ihllnlum'a 1I8bIlIIr far fallUre,lo rj.YfI auah nollce. ShDUld Ihi_Re&I PraperIy II'IJiV IInIlltilicomi ~Ill'ln in,.. doIIgnaled'
'bJthlll DIrIolar-althl hd8nlI E~ NIanIlglm.-n\ Aglrq:... spec1at'Il~, hawd-.... GlBn\Dr ~ 10 ... Iftd IlII1n1e1rl Ft\teraI
FJoocltnsllr&nce. 10 Ifill pllnlluoh Inllnnes Is mqulred ,nd Is or bllllO/lllllVll1lilbll, tor Il18larm 01 "" rDln ,Ad "'" tile full unpaid prI"glptI
bll1anl:8 DI' lhe Ialln. or I,.. mllllhnum ~rnII 01 1IlWtl'ISI' 1'-1 Is IYIlIIabla, Wh!llhllvar It'Iess. .
AppllcelUon of Proceeds.. GnlnlOl' .hln prompUy mary!-8t1ck11' 01 ,n,- loa. or dalnllll 10 Ihe iii' U OIl almltH _ oIl'1p1lr lll'
rllp!acDmlnlllllClllds t!jOl1.,oo. Le"dol' ml)' make Proal OJ.lClll n Qrl!1llll: ~_-Io do.. within In...,. Cf : _ n-0I1'" Cl.1UIIIr. Wlllllh'1r.. "01
lIInder'llllCVl'lly Is ImpDlhld, Llndlll' mar. II lis eIIIdDn, apply 1111 pracndl ,-,lilt tIICfUOI/on.oIltll-rJJ:&:_ IlIIS,:P~',aI'''',lIlIn ellaatl"lII
iIIt PI'01l8rlr, or,u..'rJilslorellon Ind _~ alth. Property. Ir undw IleClIlo aPalr lh, prociMlds-,lottlloRltlQift 6nchilPllr. GdIntwlhll nrpaIr llI'
1'llJlU,lhBdlIll1lIlIld ordulrarld Impl'OllllllllnllInUlIng_SlIl1s11clarrlOJ.lnp:lII'. LI!lillli"aI:I~..~'."~ll!Tpl'ODI OI-IUDh~'ndIb.n.
pIl' OI'nlImblUll Grantor !ram lhepraaelds for lilt I'NSllrlllblt,COII ot"pP' aJ':i'fiIIDlIIIOn'lI Gl'anJrir.-li i1OIJridifiilll_f!IrUI.. AtriJlftlCHda
whlahbavenolbtlndlabvrsedwllHn IlIJdlys.lIerl,,*rICeIIrt"'ndYlhlall'lDndlirlllSfriI.~,llIdlOlhIl'llPalror"~~aIIhePlqliarl1
shill bBlISId IIrsHo PI)' Iny lmoun! owing fa Lender undllr Ihls MadO~ IbIri 10 pmpIr accrued Inlenl"', and the l'DnlliTndir. n anr. ,haD bu
applied ID thl pInclpttl blIlanco or lhe Indebl8dnDu. IlLenelel' halds anrp~ IIlIllI' pl)'mllrllrn IIiII of Ihllndibladnest, suoh procel!ldll shaW
blpa/dloBrenlor.
UnuplredlnSluronr:laISale. Any~lnsur'"1l8sf111111RUJ'ltlalhebentllIOl, Elmlpasslo,lhl jI~lIflhllPnipettrCDllirldbrlhls
Mortglllt .I.ny 1rus1v9"s Hie or aliter SIlt hald underlhe provlllorq of IhIs Mbtlglll80 oral.ny foreclaa.... of IUCh Propllfr.
CC1mplllnlltl wllh ExI.Unl Indebledness. DlI'Ino lhl pIltOdl" wlllch.",Exla:UI,Ig IndeblldnesI d8IcIlbad b8low" In -. aompl\lflCl wfth II.
Insurlnct provIsIoM ll~lIInld In Ih.lnslrUmanl evldancd",,-Suoh ElclsU!'llllndtitJl8dnelnhl,n-canslllu'la COfl\PlIlIncI wIIh IJ\a: htsUl1nce provisions
undar Ihls Mortallll, lo_llrl ulenl COfI'IPlence wllh IhD IlII1ns of Ihls MlirIgap would ClHISlDWl I cfupIIiliIUon allnsurirlft. IeQ1hIllllRI. IIIIl)'
PJ'llWlIdJ lrDm IhelnSvrDftCl bElDOmll paJII'o\II on\cln, UlaPrwMslllf'll tn1hb M""RDgulll' INskm oJ~ IIlIlI apply only" ~ ptriDn 1II
Ihl prQDI8ds ncl pllpbla 10 1110 hold... althl ExlsUng lndablldneu. .
EXPENDlTUAES 8Y LEMDER. II Glanlor IlIIIIlo oomplrwnh any~aIon orlNt Marlgag..lricfulllni.1t)' ob~ll'an 10 malnllln EllIsIIrIa "ldablDdnIsI
In good llandlng 81 raqutred bill""'. or II "" lICIIon or procaallng Is a,', mmellClld Ihal WG,Ufd mbltltlll1alleal Und8(I_lnlllftl,11n 11I1 Pnlperlr. Lender
on Qrtlnlotl blhall m.)', but IhaII nol be reQUIted Ill, 111\1 atl)'llCllon IhllLndllr dHmIllpprfIJlrlali. A1r'i iniDtml-1hll1 LiinrlerURIJ'IlfJIn 10, _ WlII
bier 1n111'ft1,llhe r818 ctlll'lld under the Cmtt Aullllml,nnl !rom Ih8 dalalncurred 01', pifd bY LtIldIr-lo!he cIIIlt 01 rBpa'fl118lll: by GrlllIar. M MIl
explllSll!l, a\ \.encts'" opllon. w1I (a) bill ps}'lb18 on demand, M ba atkln 'It Ihti bm.DIli The arel1l' lint lnen.. lIlPorlloned ImDnIlW \Iou
pD}'lbl1 wllh.ny tnslallmenl payrnBnI$ 10 bDaome dut dU"11II tIIth8r (I) lhe IIiIl'IlI 01 anv'.PIII\abIl-lnitmll1Oi_pllllllY OJ' (filth. n1m.1nInD Itrm olllll
CradH'Agl'lllllnllnl, tll' (e) ba,fre;algd II a b;IIGCln paymanl which wIIIba duoanll paya~lo .llh.CnHIIt Ao"'nlllnl'llIIIlunlV. 1:hIs MClIt;aooalso will
HCVI'lI plymtnl of IhlDlmaunls. lilt rlghls provldlld tor In IhIs plfllgtlph.1Id bll In IIdd1NDn la any OIIiiit r1ahll OJ' In)' remildlll 10 whlGlr Len.
'"llRllr bl ,nll1led on aceounl or Ihl derlull.' An)' SlIDh IOllon by lander shiN nol ba DlNIIlnreclel ourrng '," 0 dafauU 10 lIS ID bar lancl'er !rom In)' I'Illlla""
g IttalllDlIIIlWlsewouldhlwhad.
-.::. WAMAwn'; DEPENSe OF lllle. ThB follDWlng provlslona ralal1,.g 10 OWmlrsh1p althl Pl'Oplll'\yll'8 a pM alibis NOltOllIl~
1-1. TIllI. Granlor WlUTenll lhal: (a) Gr8nlor holdl gltDd and maltlallbla Ullu of mord 10 lhl Pt'opllrl)' In fill s1l1'1Pl8. ".. and C1IDr oIla l\ellS lAd
o Il1CIlmbrlUlClIS oIhar Ihe.n Ihose Hllarlh In Ihe FlnI P'rcPlJrl)' tfIlsc:rIpllon Cf In IhIt EKbllnlJ IndeblldnalS Iliatlon berow or In In)' UlIa 1n&lI1Ince
l'-' polloy. !IUI faport, or Unal 11111 opInion Issued In laYDt ,of, tnd ".aplBd br, LGnder In cOMKIIDh wtlh IhIt Mqage, Inel (b) Grlnllll' hSf Ihllul
rrgh~po""lr,endaulhorhylolJCl!lculalnddu"vlll'lhIJMor18ffgalaUndlr.
Oe!ense ll' tule. SWIecI tea Itte ~ In the. PI!1.lJt1Ph Gavt, ~tar wanul4.and wm fcreW dl'Iklnd lhe nu. III the PtaPII1y llQlllnst IlII
IawlullllllmSl 01 In persons. In lhe avant any acUon or prllC8.ll(llng Is commenaad IlIaI qUll!lllons Granlors UIIe or lh8 lnlfresI of lender under Ihls
MlIr\vdP, Qranlor shall cIIland IlIIIlclIon al Granlo.... explln5L Ql8nlor nil)' be lhl nomine! partr In I\IClb pl'OllllIIdlna, bul Lendlll' sh8II be
llnlDled 10 P"i_allln the proc:lKld1ng lAd 10 be Illprl1slnlad In Ihe prDCIadlng-by counael or LandI'" own cJtolcll, Ind Grlnlor will dlIlhIer. or
celll8 10 ba dlIIIvemd.lo !.tnder such 1I'1$lrumln\ll &I.L.ncIlr lftI)'faqullSt Irom Sma 10 lime fa jUll'mlllucfl parllcloallan.
Compliance Wllh Laws. GranlDl' warflnlll lhal lha PfOpll~ and Granlor's. usa of Ihe Pfcparl)' co",pIIes wtth In Illdsllng Ipp/lcl9bll I8ws.
lln:l\nal\WS.andl~oI9IUIl.dr.an',a1au.\horiI1e5.
EXISTING INDEBTEDNESS. The lollowlng provisions concernl"g exlsllng Indebl8d~ (Ihe '&faUng lrnfebltdnl$S1 818 I perl 01 this Mortllagl.
Exlsllnll Llll'n, The IIln DI Ihls Mar1glgl sDCUrlng Ihe IndllblldnlSS mlY bl SIlIondl!)' and Inlerlor 10 In .-I!lfng IIBn. Gl'lInlor IIllPressly
coVlnllnls and Illfll9S 10 pay. or SIll 10 Iho paymonl 01, lhl EMl&llng Inclab19dnl$s.nd 10 prlVllnl In)' dlllull on such Indubladl'l(l$3'.lnr del aull
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Ilnderlhelnstrul'llllllsevldenclng.uohlndBblednlS..otanVdIlIllIJlUAderanvSllGUlIlydoaumanlsfar$\lGhlndebl8dnllSt.
Ha Modllltlllon. GflInlor thai nollnl., Into llnv agreemenl wIIh (h. holder of any lnGItgage OIl olhlll"llClurll>>' elJHlII8n1 wtdcll has DtIor1ly ow
IhIi MClItgege b)' w!lklh "'" BgrIIlImen11s modlllBd. Imancl6d. exIl!lCfed, or ftlnawid 'WI1houI1hI prIaf wdItIn caRHIII oJ LeAdw. fJrtftIOl' INI
nufltllll' f8lIUlJtr nar ICClplany f14ll111 ed\lllnc8s undellnv such .llCIllIty sgnIlIIIIInl WfthDUllhs pilar wnlll'n CCHltlnI oJ LInd...
.. CONDEMNATION. .Th8Io11Cl111lng p~ ..lUng 10 GOndumnaUan of 1M PrDpIlltyMlaplttollhll Mar\gap.
- AppllcaJIOll 0' NIl Pl'OCOlId.. II ell or anv PI~ of 1M fItoperty II CIOIIdimnlld b)' .mIllenl" domIIn Pl'Olleecfrlgll.. by env IWCIlIlInaI III pLWChul
In hu 01 condllMl"lIn. "'NII, mar IIIIIJ.I~1IlIn ...... lhaI 1M or .ny,pOlllon IlIIht NIl pIOGIIdI oIlht 'WJI'd &lIapprfld 10 thI Jnclalllldneu
or lhe,._ 0Il.18IIoraUan oIlhaPnlPllfV, TtltllllptaCeedlallh.llII8nIlIIII....nl..IWIRI.f\etplYfll8'\lofallulUIIllCll.......,....nd
.1tornefI'1MI1n.:ynMllyc..ndlrrnClllUllCllllfwfUlflll'OlIncf8m.... .
PloceedlPPo III1lJ' Pl'OCIIdIng In condemnallon II.. GwlIor ttId prllllIplt>>' ~ Llndlr In wrWtIlI. elMl ~ _ pIClftIpUr 1akI..
I. as m.,", ftlIlI8UIIVlD dltIend OI8acUon.nd oblaln u.award. Gtenlar mar be 1M nomInIl,.,.,1o Mh lWGCHdnII.tlUl LIndar$lld III
8n~1Iad 10 pariIl$.lIln,Ih8JIfOClNclnund Iet"bl rept8$lld1d In lhe pIllGlIIIIdng WCOUllll6 of IIIIlWfl cholet, and BrlnIar WII delwror ClUIlIIo
b. dtIIvftd Io-LenderlliUlllllnslnllll8nts q llIIl)' be"f8CIUlllIIad by JIrOm IImI to Umelo patmlll&aCh partldpdon.
fMfIOsmOll OF TAXES, ~ AND CHARGES BY GOVERNMEHTN. MJrHOAmEs. The tafloWjng ptll\o'lsfn Tllidng 10 govflIl1InIllIa .....1aeI
endahstgllliSffl.pll1 aJIt1b Marf(JIp;
Currenl T..... F.~ anti Chargu. Upon requasl bv L81td8r. Grlnlor wllPlllClult lItlCtI dllCUmllRIIln IddIlIOn klllI/II MorIgqe end taka
whal8ver lIIh1raclonlal'l4unhld by lIndlll" 10 p8Ifeot andOClClUnIltlLtnd8r'lllenonltl8ft.-l~. Branlor.hlIIIRIIrntI....Ltndllrlor..
I&QI. u c1aacrMHldbelaw,IagaIIwWllhdlXplllnSlllnc.unad Inf8lXlldlna. p~ llIconl1nlllnO IhllMarlglga,lncludfftll wllt\aulIIllIIIJlanI.
lIx8I,. _dDGWJI8nJaJy~andaJJwchlfpi"'lKGIdnOtJI~M~
TUIIt. The 1080,''''' ""', ~IUI' ....Ia whlc:h lhb _Ion llPPllas! il) a lIJIllClIIo Iellupon Ihlllypa of MllIIgqe lIP upon III ar IlnV part III
lne lndllbh,dn.n I8ClUAld:br IhII MOIIgege; (b) I spllClflc lex on GIIntll' wltil GIIllIar lI.iIImIrtzad or required 10 ded\Iat (ram paymanII on IhI
tndGllllldllllllllC\lf8d II, Ihlllypa 0I-Mortaa9l; (cl 'lax an lhIIlypa of Mortpga ctllrgeebllllllllMllhl Lender or 'hi hQlder of !hi CadIl
Agl8llllll1ll; and (d). speclla IIll 011 all at all)' parUClfI (jJ IhIlndsb1ed1'lllS& or on p.,..,.. af pllndpallll\d InIar8iI madl by Granlor.
SUbl4lqIJOntT..... ItlUl)'Julowhk:bIhlJHCIloneppJJesll8JlSdedsllbuqvanJlo IhI dati olua~I1U.wnIJJJall"'.lhe_
alleelll In Evenl of D.r.uf1 e.. daNnld bllaw). and LandllF may 8111""llIl}' or all of lis avaIllbI8 rime_lor an Event ofbela.... u prallldad
bllaw unlll.. Grlnlor lilIlbtr (II) pays lhe lax belm n bllClllmOl cllllnquenl. 01 (b) canlllSls Itle lII: II ptI\'1lIad ebove In Ihe Tall8I and Uanl
sllC!lon and cl8posRs wllh Lander Clsh Clf' 11Iiufflcllnl clll'poflll Iwl)' bond III oIher hCl.Idly Hlsllltlory 10 Lender.
SECURITV AGREEMENT; FINANCING ST4TEMENTS. The Joltowlog prll\llslons- relaUng 10 Ihlt MOl1gege u a securIIV agf8lNYlM1 are a parlllllhls
Marlgag&.
Scc:urllV Agrumllftl. TNs Itlflrumonllllall consUlula .. securU)' agmemenlla the eidenlanv 0I1he Praperl)'CllNU!Ules /bcIures or alhlt pllliianlll
ptaperl)'.llIld Lln"'" 5hlll Mini all ol!lltl ilghll 01 a lecured PI"V undar Ihll Unllorm Commel'Clll CQde ..amended from Urn.1a lime.
S.curOy Inloreal. UpOA fllquosl by \.endar. era"lor shaD tIlfIClde 8A11na1nv slltemllllllllllld laka whal&wr alhet 1IOIiDl\ lI"""'d by LendIt 10
p.rtact and canUnua Lendar'I ..ewllr InIIfllIl In Itll Rlnls end Personal Pnlperly. In addhlon to reccIRIlnD lhl$ Morlgagllln Ihl fIaI prapertv
Iscords. l.endlf may. .t 'nv '. and without fIIr1het aulhorfJ.llllan trom Branlar, lIIa 8X8lll.dId aounllrpl/tl, capIM at ttplClduaians 01 UI\I
MDffgeue . I i1nanGlne ,laIamenf. Gr8l11ar shllf rarrnbUtlIl Lendlt Jot IIJI pPII'" Iftourf8lf In perfacQng 1If canllnuInQ lNa uaurttv InIoflSL
Upon d81aull, Granlat 11\aIl....mblllIle Pef1anal PtoIlllrty lit . mllMOI and .11 p\aoI- 'easonabfy canvanlanl 10 Grenlof and I.8lldlt and mille .
IvdabIo la Lemlerwllhln IhtH (3) dl".eOetflC8lpl al WfIl1en c1ll1W1d from LIlnB. "
Addrellll.., Tho ma1~ng IdtIteaaIl OI"GtanlOI (dllblor) Ind Lanclar (1ICI1lled pili)'). Ir~ whlob InIormallon concurnIng the I8llIlrll1lnlet81l
granled by lhfl Mort;a'lllil may M oblalnad (ll&Ch.. fIlqulred b, Ihe Unllorm ComIlllllClIII Code), IIIU u alalld on Itle 1m peae of 1111I Mcltpga.
FURTHER ASSURANCES; ATTORNEY~IN::-FACT. Tho fOllowing ptcrMlanl f8laIIng 10 Iurlh.r Uluranau end alhml,...m..Jaal .,. . pari of IhIs
Mor1gago.
FUflher Aseurll'lctul. Aiel!)' lima. and ftom limo 10 UIlt8.lljJon requnl ol Lender, Qranlatwlll make, ItlI8CUIa IncI~, or dill". be
madlll. IllllCuled or dollvlWd, 10 ltndar Dr 1P Landn designee, and when reqUBslad bV lender. cause,lo b, 1118d, feOOIdtd. rela.d,llt
roraclltdllll, IS the we RIlIr bll, .lluah Urnes and_ In auah, "ollltllllnd pIacee as undur, ma may a c1leetn appnlpFIa, _, II. .ny anct II tllll" morlgqes,
d88da 01 hm. utaIfIIy dNaI.l$CI.VDp~ fhandngllallmtlllt. t:fNl1l1IU8Im'I~. InIIIvtIYiib' qllutlhar.SUI,........
IfId oIher dlllllllllllnlJ .. mar. In 1he ..-apln1Dn DI Lenllllr, ba necaesuy 01 ~ In ardIr 10 "'11. campl&1a. ,perf8al, canVnull, It
PfllSBMI (a) the oblBlllDns of GtanIar undet Ihe CnIdll'Agr811ment, IIlIII MOrlQa;II8o and ItIe ftolalDd DocuRllnla,and (bl.l~ lens end 111;111'1"
IAlllf"1J craallld by lhls MoI1gagB an lha Propeny. whlilhBl' ,flOW 0Wf\lId at hllNfIar aaqulnld by e..nIar. UNa.. praII/bIIIcI by law or qrMd ID
lhe ~nlrlry by Lenderln WIIUnll. Brenklt Ittd refmbU1'58 Landar lor alllOIill an!f elIpentH IfIC\IlJ8d In conndon willi the mall.,. ralarrad 10 In
IhlspllfllQrllph. .
MIOmIft""'n-FICI. II Grantor la1lll10 do In)' 01 IIla IhlnDS rellllJ8d 10 In 1118 preceding pltlDflPh, LeRclIll" mlV !fa so Iar and In !hi fIIm8 01
Brantor anclll Brenlar'llPlplll'lS8. For such purpOlh, Oranklt hal'QV Irrevocably eppolnls landIII' IS Grlnlar'l aIlarnllt"ln--faGt Iar ItI8 plllpOU
01 making, exacuUng. dullvetlna, IUlna, mordlna. and dol", all olhltf lhings .11l\I, be 11DCftIS"y or deIIr_ In un'" _ apInIon, to
accomphh IIIe Il1(IUere f'llIned 10 In Ihe pflllledlng parqrlip'"
FULL PERFOF!MANCE. II l3ranlar pa)'lllllhll Indeblildll8U When dll8.1lll"mInalu Ihll ndIl Une liGCOIUd. and 01herwlQ perfDmlS d Ihe GbI\glDans
Impose; upon Granforund8r IhlB MOtf;ip, uneterlhall et"BGUfG and'ds4\I8r 10 Brenlara-lllIlable 1lI11SW.n oIlhf1 Martgqe Ind IlMull ItIfIlmenfl
allermlnaUDn 01 anv nnslIclng idallmonl an 610 evidencing L8n~r's IICurtI, Inllll"llSlln"1h8 AI"" IlId lha Personal Proper(,. 13rInlat.. PI)'. U
permUlad by appllclbtelaW,liInyffluonabl, lormlnallon 11111 dul8nnrnad by Lender Iron! lime 10 lime.
DEfALLT. Each 01 lhalOllawlng, IIIlhe opUon 01 LIlndlt. ,hllll conIllluie In awAl III dIIl.utl ("Evtrnl 01 Dtfaull' undqr IhIs McfIlllltIII= (I) Grantor
commItS frlud or mek8s a mularlal mltrepresenJallon al any ,lime In oonneollon wilh lh. anclll UtIlI,account. TIlII can lnatucle, for UIlIlII!lI, . IaIse
5b1.1emi1n1 abolll Btanlar'lltIcornt, ~ JaWJllo, or any oIhJt atpacts GI Stanlafa;-DnsndAI CDmlJIJon. fb) Gwmw ~ nDllJJllfdJNIQlPt)lmMII
terms ollhe CI1Idl_1IM .ccounL (0) Grtnton ecUon or llIIllllon ~ aIf&DIs the clIIalerallar the cridIllIhI aaaouBl Of LDnder'I tIQldsln iha;
clllllleral. Thlaoe.n InClude. lot 1llImp!e,'fllllIlfllID malnllln nlqwad InsUfance. Willa or de.bucUve UI'llf Ihll dwlIIInct. faIIurela pay Iua, CIIatb oIaI
persllf1l Uallla on 111. lecounl, IranakIt of \Ibl at salll 0I1he dweUlne. Clullon ole llan 011 tho dwelling wllhoU1 Landllr's permlsllon. 1tncI000re !Iv IhIt
hoIt1erol analhorUen.orlhe use 01 lunds or 111. ctwelUng lDrprohlblllld purplllllS.
RIGHTS AND REMEDIES ON DEFAl.LT. Upon IhllllOO\llfllllCll 01 an)' EVlnl1ll DallluM and allny UrnalhalAIIllr, Londer. .llls.. msv axa.
BI1V Olll at mGm oflha ~rng t1ghls llIIdramlldlllll.ln addlllan la ElII)' olher rights ar remedlet prollidad bylllW:
AGeeler., Indeblednell. SublllQllo .ppllcllblll law, Londer shIn have IIIe r1ghl allls opllcn .....Ilhoul ilallae la Grontor 10 doaIare ,ltNI enUre
Indllbllldnitstlmmadla\Qly dill IndplYllble.
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:~~=.,~ 10 all or Iny pari af IhlI PenllInIl Proplltty, LcmdIrlhd 11II'I8" n.ItghlJMd f8m.dleI.ala secuted plftt'vndlll'
CoDllCl Rtn'" Londer tlld haw 1M IIQIII. wllhalll noIIco 10 lhnlor,lolBk, palHllkln at 0. Prqp..,.mI calIclaI hR....1nClI1llIIng amoun"
PuldUI-.Il:lUnDald.IIldIPP'W',..., "',,',lH'GlIIIdlI'_lIn~~L.tndenCDI""lrIl, nIIUWlnditllHnBl&. Infurlhlrl..-orlhllrfah\1.eN*
rn.y raqulre ...:<<.Mid or olhor,UHI'affM PnJpIttrIa _. PIYmIInlI a1'.... or....1IIII dhctIrlol.DniM. 'u 1M Rinls AnI calIeaIadllyl.enl*,
Ihl.. Gl'Il\Iar lrJtvDalbIy,dBI._IOr1$iI,1I1id8l' U \Dnl"'_'lr~...,....1o nCltll'InIInIIMn1t ~d,'" p8VfnIInl thnaf In 1M IIUtIIl 01
13!111l1ar AIId 10 ~lIIlelht:Slm8 8ndCDlllclIl1t ptlICI(IIdI. PaJlYllllIs brltnlft1l ar an- v... ioLlndwIn MSpOnA'1o IAnder't dltnlnd !Iha1l
~ 1M Dtlfgllfans rar wlIfch Ul8 pl)'lnBnll we mKe. whi1hBr or nDlllny' pru,. vraumllllOt the""nd "led. Lendat _ __ Its
r1g....underlhll~-'I.....lnpol&Dft,braalllll,Ol'lhraullb..........
App.oJDJ """,,er. l8ndsr JJlaIhawlb8l1QJ11lphIW al8Cllvar .ppdnJedlDiPlusnssJwJ "allIr""NtI 01 1M ~. ..",meptJWS1 to
Prollld'ndpl8SlMllhe~.'DDPIlIlathsPfa_prerxdlnl~or_IUld,IvOlllllalIM"ntlfromIhllPropIlltr.nd'pplylh.
proceeds" 0V8l' Ind 81)0VI!' l"~ cOil ollht ltllll1Wrlhlp. aglllnsl-lhD-lniJBbl8l:fMsL ..... naaIvIr mrllrn wInlN bond n I*fn1I'td by ....
l8ndar's IIgJlIID-lhIIll$Ip~,*",1ll DI .,..,., sbd IIiJ1 WINlDNlr OJ' mI ,BI.; ~ WIH DI "'" ~.....IM 1.Il~ by.
subIIInlllll amounl. Emplcrrln8nl b,lInd.IbID nol d1lq1ldlraperson Irom..-Mg" II'8OIIfver.
Judld'81 ~clD""" IlIndlll'mlyoblalna/UdlcllldltDl'88kqc1l1S1ngGNnI",lnl.relllnlllora,.,parlGflh8Prop8rtr.
PoueAlon oIlhePropq. FllflhepurpDU alprocllllng pllIIIldlQn 01 lhe Prop"". Qn,l\tat ~lIUUtorIr.asand"~lnyl"Ilt'''' ol
GAY court at F8Cllrd In Ihl Coml'/lonwaal\h 01 Penn.nll aril1l8Wbtlre, II anomer Ill" Len_1l'ld d~", daImIng,undar or lh1augh Under,
ID Jlgn In alJ"",menllGt Inlertng In any IIOqllI!enI C,DUrt,an amloabla acllon In ~I!llI,nl lOr P......., ' _01 the ProDUl)'and kI apJleIr far Ind
conlan !udgmM,lgalnal Granllll'. and qalnat a1I.JlII'ICIIlI CWmllig undtr,Dl' UIrough Granklr. lot u.. recovery ~ Ltnder cI posnuIon Gf 1M
F>rcp8lf)', WIlhaut an, _sta, or lIlIWlIon, lar whloh Ih1I Modgage,lI" I COPr ot lhlli Mq.g_ wrlBid by llIIdavII. sl\lll bill. sulllclml WInant; Ind
Ih..aupun . WIll 01 pOUllsslon ml' bels!luad forIhWllh, wfthalil.ny pilar WIIIIlII' prDCHdIng whlIsOllY8l'.
NonJudlcrll Salt. II pm-mlllad br appll.uabIIla'N. Lencl9r mar torecIot. Granlor'llnlarHlln III fit III a", part or Iht Personll Property or ilia Real
Ptoparlrby nonfUdltllalaalf. .
o.lk:Ienl:V JUdgmlnt. lsndar ml, cbllln a judgmenllllf any dllldency Rlmalnlng In Jl1a Indlblldl\ll8l dwlo l8ndur anlr IJIP~CIlllon aid
IImaunllracllvadlromlhalU\'Ubsollhe"ghl$provldadInINssecllGn.
Te1W1Cr IIf SUffe....Clt. If Grantor fluna'n. In pDSlt:llSfan ol ffl8 Property' alter IN Frop.-, II ICIId u provided aboVe or lalll18r 0ftlerM'1I
becamn,lInlRlad 10 posslsslon ollhl Ptoplrlr upon dlIlDulI 01 Granl_, eronlar .hoB beaamlt a tanUllallulforlInllg oIlend8r or lhe put1haser of
IhePrGperly'andlhan..ILI~or'Iopllon.elIhur (I) p'r a real_bIll J8nlal Iar lha use a1lhel'n:lplfty,or (b)vacalllite Prop..,lmmldlal""
IlpOfllMd8mtIndall8lfd8r.
Ollllr Remeillq. Lunde, shll! hIvG a. olher rlghls and rnmedl8ll p,ovlded In llIls MortaIge or I'" Credll Avr"",anl or awllllb18 alia... or In
equll)'.
Sole of the Ploplrlf, To Ihl plenl plIl'mlll'd by appllcDbfllaw, Qranlfll' hereby walv8s any a"nd 1/1 rl;h110 haw 1118 pI'O!:lllf>>' manhallucl. If!
1I1Irc1IIng lis rlghll and remlllel, lenp, .hall b. ".. 10 DR an or 8ny pari at Ihl Proplrty 10001IIher or IIPara"ly'. In one SIll or br 5fIPIl'a"
saIDI. hnd!lr.Il.flbl Inllfted fa brd &I' any public SIte on dor anypartron offfll Propsrfy.
Nollce of sale. lendBt shall QIYu Grlnlar reatonabla nollcf or lite nmll and pJBca 011'" pUbIID !Ill'" oIlbft PelIOI'l8' Property or of lhe Dmtr alltr
which 8"1' prlytl., Y-I& lJf oJhet b11snd>>d dbpo$IJlun 01 DI8_P8mmeI ~ Is ID b.",.o Unless othDJWly r8QUlrBd by IIppkoblu lalll.
fluonabIl nolll:a shall melln nallce glVln II IlsslIen tlO) dllYS b,lal8lhe limit of ItIlJ HIt or dlspDSll101l.
Waiver; EleCllIon of Al!mlldlll. A walv8t by IIny pllfly 01_8 brvaCllt ot 8 provision _OIlhIJ MDrlgqe iJlall no\ conallMII a waiver 01 or pttJudIc:u ItIt
paJtl'trillhll oIher.vlSD 10 demand s'rlaf compffanl:' WI1h fhaf pf'D'lfsfon Ill' a"f-oIIler~Cll'I. EJeotIon by Lender kipura... any remedy $hall nOf
IMcludD pu~un 01 any C1lhal rtlrnlldr, Bnd In 81ecUan 10 milk. npendllur.. or _1lI1on'1o perIorm an obJaallan 01 Grankw uncIer IhII MorIQBljI1
sAar IollUrll 01 Glllnlor \0 pElilDrrn shall noIall8QI Lend'" right 10 dadrllD . rfQ;l8u11 and lUI8I'cIsalts f8f111d111 finder Ihls Mortgage,
AllomevS' hll; exp.nsea. 1Il.undBtlnsmUla aiif' lull or icllDn Ia enlon:e IInyaf 'he","", cllhII MarCgGge. Undll' Ihlll! beltnllllaclll1 I'OCOVllI'
l\IIlh sum as 'llaIlGU," 'mlr adJudge IIuonabIe 811 allomlva' fIllS. .llJfal,...,~ an)' sPP8IL Wtl,alher ar not an)' court Icflbn" InvaIWd, all
'~&Jp81118S ImIlll'nuI b)'UJrdltlhallnl.mHtBa DPlntonart IIRIJUl]I'iilan)lJ1mtro; lbI-.p1OJ8DUlIfJ oIllslnllllUl or!tlJ enfOroll'llJlll or
III rig"" Ihl,M blllOOlRlI. pari or Ihllndablodn.. PD,.~1f on dtmInd n .,...,' be, or, Intira~ frcm lito, ..11 DI,~ unlll ,Iplld .1 !he
Crldll Agl'lflmenl...1a. EllpDnMlIlIOVCIred br I.... paragrep,n " InCludl, W!ItlotIt ",mJlillDn,,_hOWlWr,,' "..., loci, iii...., Mmhs'Undclr, ipDllc8bIe law,
I.smIer'I.JlIIm8J'I''''mll,.I.entIeII--7eQaIIIlrpUhfwbe>>lltCtnDIlt!...,'It.J4wIJIB.JnDJudlnt~. _1or~JlfDC88dlIIG5
~noIUdlng IlIoJls 10 mtldllr CII' '1101111 snYlulDmallo .",~ or lntuilclloh),IPPIQIt,$ftd ""'1UI1lO~ pai!t-Judgmanl coIIDcnon MrMctt, Itlecasl bI
s8Irllhl'ngf8llO<<fl. oblllnlnlJ Ill!elltPorII(Jncludlllf tbr8ololllRtreports),~rapOltli-and'IJIpf&ll8l_fiH.lUIdUIJDlnsVllFlll8,lolht ulalll
~mll7U b)'~il3A'laW. GrIiII'lIM tllJD wlJ paylll-)'cWltc-. '1'1 addlthln-tll>>ll oJhDr aumf jmlIIiJdId by IIw.
NOllCES TO GRANTDFI AND OTliER PARTIES. UnlBss alhlJWl.. p~d.d by.appbbla laW, enrnab_ under Ihls MOItgagll.hllA " InWIII/ng IIl1d
,hell be .IIlC1l1V1 when aoIU_BIlY ClllIvered Ill,lI mlllBd,.hbll be dtBmed ellecllV8,whBn dBPoslIed,ln 1tI1Ut11lid SlaI8I mall nrs! e1111, regf,1IIred mill.
pOlIIQ' PleDlld, d1reclllllo Jl1l1l1ddressas shOWn 1'18II1 Ihe baQlnnlng CII:i1'IIs ~ClI1I1~8. Anr PIftI may clilU1lJ1 ,11& 8ddres1 ror nallen IlrIlfet !his
MorlgllgD br'gMII'II formal'wtlllln nollct lalhl other parllas, specifying 11m lhe JlUlPOse 011Ilu01l118" to,CJlanai lhe parIy's Iddle$s. HI copies 01
"allteS III fareolalllrlllrom IhD hblder 01 en)' lien which has prlllrllr 0VJf \his Maatpge, and nab. pumJlnl AIt J'&.'c.s.A. SeGlllln 8143. It seq., shll
be S1nllo L,ndll(l Iddrns, Id shown nolr !he boglnnl"; allMs MorIgage, Far nDb pUrposlll, OrBnlllr agr9l!' 10 lcMjl l.endlr Informed II all UrntlS
al BranlOl''Icurrlnl addrass.
MISca.&.ANEOUS PROVJSION5. The fallowing ~ provfslon:s IUS' PItt oIUrfJ ~
Amendmenl.. TtllI Mort;aQt. laglllhll' wllh Iny ReI.11d Documenls, oanaUluIH lhe enllrlt underslandlno .nd Ipmllnl 0I111e parlle," IS to IIur
n1111srs DI fotIh In IhJs MDJIQ.Ip. No alIMIIJon 01 D1 llI18lldmonl ID '* Mllfl9aJs sI1&II ba ellecllv8 villus gllign In wrlUng and "lined by I,",
PlrtyorpllIIeIsDl.lGhllObaChllrgedOl'boundb)'lhllaltllrsllonorarnanlfm!lnl.
Appllcabla Law. This MOrtp.ge hu been delIVered 10 lendlf end ICIcepled by Lender In ihI Commonweeflh 0'1 Permsrlvlnla. Thla
MoTtioge shalllJe governed by /lnd con,frued In IICc:ordllllce WfIh lhlllllwnf the CommllllWufIh 01 ~erlnevtwsnla.
Clpllan HB8dInp. Capilli" h9lldlnip In IhIs MortgGge are Iar COlW9nlul'lD9 purpc118S on!)' IIfld are n()l to bll \lied 10 Inlupret Df deOne lhe
prln'lslG'" of Ihll MD1fgao&
Merger. There shaM bl nll rnerglll" of IhIllnlll1lsl or nIBI" crealad b)' 1fIIs Marlgage wIIh any Dth.,lnI..sl or IJsllla In lhe Properl)' iliaII)' Ibne
Illld by 01 frJr Iha benlhl 01 Lendlr In Ill)' ClIIJllclly, wRhaullha wrinen QOll8I1,,1 01 lBnder.
Mulllplt PlrOe8. Atl abllgallanJ 01 Grlnlor under this MorIgql shall bD JDlnland slWlftl. Ind IU relllrtnCl. ID Gtlnl., shal ,"""Iach Ind
every GranlOl', Thlll'MlfIS Ihlllllaoh 011110 plrsons signIng bBlow Is J8spOflSlblllOl' all obllQ8l1ltn1ln 1111. MDr1glg&,
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MORTGAGE
(CDnUnued)
Page 6
Severeblllly. If 8 courl 01 campetenl lul1,dlcllan 11mb .nv prD\llsllln 01 UQ MarIgap 10 De InvaIkI or UIIllnlcml8lllble u to any plrlOn <<
Olnlumllln;e. IlIOh IIndln; shall not r.nder fhll provl$fon InvIIId Of UIlIn!0rciBab\8 u toinv 0IIIIl' pmonl at clrcUlIIIlInCl8l. IIlti1l1b11, l/lV1Vllh
otfllndlnll pravIs!lln .hlll be dl8l111d 10 b~ modlllld 10 be WIthIn ItlellmOl 01 enfaRlIiIJIIlJ or VIIkIlIr, howIvIr, II Ihlt ofIendlna provIIIon Clnnot.,.
so mocllfltd, U iftll1 be IlIIaken and aD alhit pfO\1s!alll 01 IhIll MorIgIIiQD In II oIh., rnpICIfI.....lImlln WIeland 8IIIDlaQblit:
SUCC.......d __ Sub)eol.!o 111I nm/la!lonl silled In lh\I MDrtalII on IIansfJr or GranIar'IInInsl.IhII MOIt;qtI"" be bIncInsI upon
....d lAura 10 UII beMll'allhI patfles.1....1I heirs. fIIlIOl'III f8P/iIMInlalfVel.lllCCMIOlIlfld..... JllWIIlllShIp DIllie PfOlMllr bNomaIveI1&d
In . p.wson .lhIlin emnlai', Lander. wAhaulnullc8 10 Grlnl.. me, dill with GqnlafllUDGISIDrl wIIh I11l8f1f1Cl1lo IhiIMllIIgagt ud IIla
Indlbledllll5S bW MY DI-f~1lIICt ar IIlIIMlon wllhoul rIIuIIng Granlar rrom Ib, abllDllIans at thII Martgap or _., undlr IhI
lltdlblednaa.
TIAlolI of lhoEueftca. llrtlllJ 011.. lIUlI'ICGln ltuI,.rom.rD 01 INs MarIgIp.
WIIV8n and Canacnll. LMncIBr shaI nol b8 delll1llld (Q hlw waIwd IltlV r1ghll urulot Ihlt MolJ.~ undltr I/'Ie RIIaIIHI DcIGuInMII) unr.u
such wIMr 11'1n wrilItIg and s1anad bV LeIKlIt. No cilia? or omlulon an ... pili of Under In anr rlglII WI. apefIfe II . ..... or
IUDb right Dr..,." o/IVII' ~tl1., ~, WliMlI b" an, p~ 01. pnMIlan oIlbll Mar\tIP shIM lHII GOIIIIIIuII..... of II' ~ IhI '*'" J1ghl
aDIIrwlu.1o damand IIrIIlI aompa.nce wIIh IhlIIl pnMslon Dr." DIhIt prrwlllon. lfD.....__ IWL8ndIr, nar aft)' 0lMlI'M or lIMInD WweM
LInd. allcl Gtanlllf, ahal GCinillulla waIV8r or ..., al Llndllr'IlfgIlll or an, 01 BranIar"I aIIIIgalkinIulD lUlJ IUllnlnlllDlllon.. w........
conlIenl ~ Lender 1I'l'8qUllld In"'" MorI;a;., Ih. QtlInIIllCt at 1110II conHnI ~rLendlr In an, lralllnee.... naI CGllllUuIltconlln1tng ClOIlIInllD
lubseqpanllnslJ'rlGllI w.... such coftl8m !t l'tCIllIrecL
EACH GRANTOR ACKNOWLEDGES HAVING ReAD ALL THI! PROVISIONS QP' THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS
TEAMS.
GRANTDR;
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Signed, ocknoWleGgY U1d daUvued In UUI presence 01:
.~~6t ~ I' ~o..J.,...
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CERTIFICATE OF !IESIDENCE
I illiteby' c.artIIy,lhallho precise addresa ollha moIfgaglll, Flrmera Trual COmplll" Nl'8m Is IS fallows:
One Weel High ~Irtel, Carll., PA 11013
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AlI!IMQI lll'AI 111I MartDllllI
8,
In ....d~;,~'Jl;r~~, ~\ -::;:-. My commissIon pPI....
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USl!Il~,flI P .a.'l"" aIL, k...a,II6:JIIIl2ClFllIlllll"'~I\l.i1laup,IrlIl,Alh1ahllrlllfYl"IP~nVAHA8LIi!.L"UOVLI
'1~:::;l7;/P~:':~. '~~:{~~i.~J~f~' ; . NakU~~ ~
"'!;~:'.' .(.1 ~:I:" (I " =-~:~COlIltt
~. <'...... . ,..,1// ".l~.t~~.;>~ .~Camlnl!:l;lonElq*8SMav1B.199E1
.'bciifti.Q2,:~il\li:~QP,'~" '
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IVIDUAL ACKNOWLEDGMENT
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'OO:'K~i"...........,. .51',," U!;f'i,R1MENJ.Of tlE'VEN~": :=
Cumb. Co., Po. ... _'__~,' ~-"_""I':
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Ic~.oJ Di." Cumbo Co.. Po.
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MADE THE B TIt
of till,. urd ~".. thOllBtllld n..i~ hflndrrd
day 0' MARCH
eightY-five (1985)
BETWEEN IRA E. MELL and MABEL M. MELL, his wife, of West
Pennsboro Township, C~mberland Coun~7, PennsYlvania,
here~natter called
Grafttflrs.
ond Lll1l E. VANASPLEN and SARA E. VANASPLEN, his wife, of
Carlls1e~ Cum~erland County, Pennsylvartla, hereinafter
called
Gi'll.n1.e(!S:
WITNESSETH, thaf in r,fJlt8iderRtion (Ii TwentY-Nine Thousand Nine Hundred and
no/100---------------------_____ ($29,900.00) -----------------f)",14,.'.
ill hand PRide the Tf.Cr-tpt J{.'hereof ill IUII'f"'Y acktlDwledgf'tf. ~he said OMntors d" hCYI.by grant
lUld CMlI"f.'lI to the said grantee s. their heirs ana ai>slgns as tenants by the
entireties
ALL that certain trac~ of land situated In Mt. Rock, Township of
West PeMsbo'ro, Coun,ty of Cumberland and State of Pennsylv,'inia,
bounded and deseribed as follows, to wit:
8EG~NNINQ at a stone; thence by land formerly ot Sara Danner,
now of Oren Kitzmiller, South 31 degrees East 7.1 perches to a
post; thence by land now or formerly ot Floyd Bitner, South 85
degrees West 7.5 perches to an apple tree (blown down); thence by
land formerJ.Y of Le"vi Fallert now of "Lelb Myers. South 76 1/4 degrees
West 20.3 perches to a post; thence by land formerly of John Seltzt
now or Earl Tritt, North 14 degrees West 8.1 perches to a post;
thenoe by land formerly of Levi Failor, now of Earl Tritt, North
82 3/4 degrees East 25.5 perChes to the Place of BEGINNING.
CONTAINING one (1) acre and 10 perohes, and having thereon ereoted
a two story brick house and outbuildings. LESS, HOWEVER, a piece
or land 16 teet 1n width along the West side of the above tractj
BOOK]) 31 rm 436
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containing 8.6 perches as the same 1s tully described 1n deed frnm
Caroline McKeehan to Abram Etter, dated June 13, 1916 and recorded
1n Deed Book ilL", Volume a-, Page 447.
BEING the same property whloh Mabel M. ,Hurley Mell..and Ira E. Mell.
her husband, granted and conveyed to Mabel M. Moll and Ira E. Me 11 ,
her husband, Grantors herein, by deed dated April 9th, 1956 and
recorded 1n the Office of the Recorder of Deeda for Cumberland County,
Pennsylvania, 1n Deed Book "C,", Volume 17 J Page 1.
-
80~ 31 FAGE 437
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AND elle witt uranto,s hf'nll1l Cl'lWt'na31 aM lIQf'Be ,hat the,y
will tuafTGnt generally tile JIf'Opertu hf'TfbJl C01IV:f.II'ed.
IN WITNESS WHEREOF, 8r&itl gmntorB ha. ve IJerefUtto lIf't
ehe dRll fwd gear first U.bIlVI' lI.'ritlen.
their I&4ndD and ~f.tll s
h~9udL.
..........IRA..E..:...MEL"i~........_.............................-_... e
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00000' .~L4i~~n..._nnnn._..nnooo'n....... e
_.__...............__.-............._.._.....~.....................................e
Stntl' "I
PENNSYLVANIA
} H'.
My .{ J'-fA-<Y'~
. 19 85, "fl/tw~ 'm.e,
CO'lfllIU "1 CUMBERLJ..ND
On tilts. eke
Fp>r-
thc. IImJerBiuftf'd. QI/i(.(>.f', llf'1'811t1411u fl,Pl1eared Ira 8. Mell and Mabel M. Mell,
his wife.
klUnvn '" ntl! (or satia/fUtOrity 711'011ett) to be "h.e 11"1'11016 whose "umllS are BUbscribetl w tht'l
within ift8tntml!n~. and GCl'knowledged ,hat they executed. B4me !"I' tAe pRf'JJl'I88R thPTI~in
contained.
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,<:~:~)::tN,.t{T~~S WHEREOF, 1 Aer..fi~~h.......ffi'~.
{({ :,:::}) , ...~~:~::'ts::.::,:::::~:::'~~=~:::.:::::::::::::::~.
\ ~i/:.: ::'. ...-:', ......!. / CAlLISUIORO.CUMIEIlLANDCOUrtlY Tiele o/Ogreer.
..... ,~~ ~...:. ...,j........ ..... MY COM.IIIIO'II UPIRI$ OCT.', 1'"
,....,..:.,:~.,'~,... ......
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I du hereby c.ertif'll UuJt tAe p1'eciBs residence aM complete POIIt olJfce GddrslJll
oltl&e within r.amed gmntefs i8 Ro.d3'.,X 'I' J ~,~ 170(1 .
MA~~:OD;'31 P~'E I:; ,.....A.i4:r:f...........,.._,..
Attorney lor ..._..._....._...._.._~..........._.......__.............
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03/20/00 MON 12:18 FAX 570 628 9231
KEYSTONE COLLECTIONS
"
K9'stone.~
Finanda~
P,o.lIOX 1:184
POTTSVlU.e.1'A 11l101
, SEnDeRS R,CORO
PIiONE: 1~304
FAX: 717'-'
VIA CERTIFIED MAIL
NOTICE OF INTENT ro FORECLOSE MORTGAGE
Mr. Lee E. Vanasdlem
P.O. l30x 636
Carlisle, P A 17013-0636
The MORTGAGE held by Keystone Financial Bank. N.A.,(herIlinafter we, us or a11II'S) on your
property located at J1 HlII Road, Carlisle, PA 17013, IS IN SERIOUS DEFAUL'l' because you have not
made the fuUowiJJg manth1y payments: $219.59 for Febtuaiy 10, 1999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246.65 for May 10,1999; $246.65 for J\ll1Il 10. 1999; $246.65 furJlIly 10.
1999; $246.65 for August 10, 1999; $246,65 for September 10, 1999; $246.65 for October 10, 1999; and
$246,65 for November 10,1999.
Date: December 9. 1999
Late llharges (and other charges) have also accmed to this date in the amount anD. The total
amount now requin:d to cure this default, or in other word$, get caught up in YOllr Pllyments. as of the
date of this letter, is $2,439.44.
You may cure this tteftlult within THIRTY (JO) DAl'S of tire IiDte of this letter. by paying to us the
above QItIOIIIl' of$2,439.44. plus any additional monthly payments and IQ/e C1wge6 which may fall due
during ,his Period. Such Pllyment must he either by cash, cashier's check, certified cbec{( or money
order, and made at ICeystone Financial B!mk, N.A., P.O. Box 1384, Pollsville, fA 17901-1384.
If you do not cure the defalllt within TlDRTY (30) DAYS, we intend to exerci6e our right to
accelerate the 11I01'tgage paymentS. This means that whatever is oWing on the original amolJJl1t b01TOWlld
will be consideml due immediately and you may lose the chance to pay off the original mortgage in
monthly installments. If fUll payment of the amount of default is not made within THIRTY (30) :PAYS,
we also intend '0 instruct 0111' tltfomey$ to $tart a law6uit to foreclose your mlJl'tgaged property. q tire
murlgage i6 foreclosed. your mortgaged property will be 60ld by the Sheriff to JKl)I off the lII01'tgage debt.
If we refer your case to our attorneys. but you cure the default before they begin legal proceedings
against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
However, if leglll proceedings are started against you, you will have to pay the reasonable attorney's fees
even ifmey are over $50.00. Anyattomey's fees will be added towbateveryou owe to us, which may
also include'our reasanahle costs. Q'you cure the default within the thirty d(l)l period. YOllwiU not be
required to pay attorney'sftes.
We may also sue you personally for the unpaid principal balance and all other sums due under the
mortgllge.
-~.~'"~~"'.~ ~
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03/20/00 HON 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
III 007
NonCE OF INTENT 'rO FORECLOSE I\lORTGAGE
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, yoll still have the right to CIl1'e the default find prevent the aale aI 1m)' time lip to OI/e mll1' before
the SherifJ'a foreclO8lll'e aale. YOII may do ao by paying the total amount of the unpaid mOllthly paymer4s
pll18 Q1I} Iale or other chtJrge8 then due, as weU IJ8 the rea.rona!J/e attomey'afees and casts COIIIIected
wi/h the j'oredOlJU1'8 /l41e and perform Q1I} other refJllireme1ltsll1lder the mortgage. It is estimated that
the earliest date that the Sheriffs sale a1uId be held would be Februaly 9, 2000. A notice of tile date of
the Shetift's sale will be sent to you before the sale. Of course, the amowrt needed to cure the de1iwk
will increase tile longet you wait. You may find out at any time exactly what the requited payment will
be by callillll us at the following numbet: (800) 895-9304. This payment must be in cash, CMhiet's check.
certified check or money order and made payable to us at the address stated above.
You should realize that a Sherifi's sale will end your ownership of the mortgaged property and your
right to remain in it If you continue to Jive in the property after the Sherift's sale, a lawsuit could be
sblrted blllVict you.
You have additional riglus to help proteCt your int,etest in the property. YOV HAVE THE
RIOllT TO SELL 'I'HX l'ROPERTYTO OBTAIN,M:ONEYTO PAY OFF THE MORTGAGE
,
D:tlBT. OR TO BORROW MONEY FROI\l ANOTHER LENDING lNS'trrorION TO l'AY OFF
THIS DEBT. YOU MAY HAW: TIfE :JUGHT TO sELL OR TRANSQ:R Tm: PROPERTY
SUJlJECT to THE MORTGAGE TO A BUYm OR TRANSFEUE WHO w:u.t ASSUME
THE MORTGAGE DEPT, PROVWED THAT ALLTJIE OUTSTANDING PAnBm,
CIlARGES, AND ATl'ORN!Y'S RES AND COST$ ARE PAID PRIOR TO OR I\.T nn: SALI!:
AND THA.T TIlE OTBERREQllIlUI\lENTS UNDER THE I\lQRTGAGE ARE SATISFIED.
CONTI\.CT US TO m:n:J.IMlNJi: UNDER WHAT dJRCU)lSTANCES TQ lIlGBT_GBT
EXIST. YOU !lAVE 'l'.HE RIGHT TO BAVE TQISIDEFAULT CURED:BY A TBlRlf) PARTY
ACTING ON YOW BEHALF.
lfyolI CW"e the de/fIIIlr. the 1I/Of'tgage will be ,,"tored to the same position a:s Uno defrm/t hod
ocarred. However, you are not entitled bl this right to cure your defilult more than three times in any
calendar year.
Keystone Finllllcial Bank, N.A.
/}1IJ). ~. ru-JY
Mark A. MQllStcr
Regional Supervisor
MAMldun
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03/20/00 MON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
~011
K9'stone~
Financia~
p.o, IlIlXllllM
POTTSYIu.&. AA 17llO1
SEriDERS RECORD
PHONE: 1-ll1JlH1l!!i-11304
FIOO 717_~1
VIA CERTIFIED MAlL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Ms. San E. Vanasdlem
P.O. Box 636
Carlisle, PA 17013.0636
Date: December 9, 1999
The MORTGAGE held by ~stone financial Bank, N.A., (hereinafter we, us or ours) on your
property located at 11 Hill Road, Cl!I'lisle, PA 17013,18 IN SERIOUS DEJi'AllLT ~ you have not
made the following lIIontbly paymenlS: $219.59 for Febnwy 10, )999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246,6Sfor May I 0, 1999; $246.6Sfor June 10, 1999; $246.65 for July 10,
1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10, 1999.
Late charges (and other charges) have also accrued to this date in the amount of $0. The totaI
lIIIIQunt nOW required to cure this default, Dr in other words, get caught up in your payments, as of the
date ofthi51elter, i5 $2,439,44.
You mQ)/ cure this default wilhin THIRTY (30) DAYS of the date of this letter. by paying to fIS the
above amount of$2.439-44. plus ony additional monthly payments and late chargeiJ which may fall due
during this peri(}l/. Sueh payment must be either by cash, cashier's check, certified ll!Jeck or money
order, and made at Key5tone Financial Sank, N.A., P.O. Sox 1384, Potts\lille, PA 17901-1384.
If you do not cure the default within THIRTY (30) DA V8, we infemJ fO exercise our right to
accelerate the mortgage ptlymetlts. This means that whatever is owing on the original amount borrowed
will be oonsidered due immediately and you may lose the chance to payoff the original mortgage in
monthly installments. Iffull payment oCthe amount of default is not made within THIRTY (311) DAYS,
we 041) intend to i1lStruCf our alfOl'lleJ18 10 st",t a lawsuif to foreclose yoUI' mortgaged property. g the
mortgQge is fureclosed, yolR'mortgaged properly will be sold by the Sheriff to pay off the mortgflge debt.
If_ refer your case to our attorneys, but you cure the default before they begin legal prlX"~A";"gs
against you, you will stilI have to pay the reasonable attorney'5 fees, actually incum:d, up to $50.00.
Howcv<<, if legal proeeediligli are st.8rted against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00, Any attorney's fees ",ill be added to whatever you owe to us, which may
also include our reasonable costs. If you cure the default within the fhirry day period, you wiU 1Iot be
reqllired to pay attomey'sftes.
We may also sue you personally for the unpaid principal balance and aU other sums due under the
mortgage.
"'..... ~
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03/20100 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
1i!I012
.'
NOTlCE OF IN'l'ENT TO FORECLOSE MORTGAGE
, .
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, you still have the right to CU1'e the default and prevent the 841e at any liIIIe up to one /lour lnifore
the SheriJl'S/OI'Iclantl'e sale. You may fh so by paying the totJll amtJIIIII o/the lIIfJIQid monthly payments
plus any late f!/' Olltet charges then due, /lS well /lS the rellSOllable attorney's fees tmd costs connected
with the /oreclos/lJ'e sale and perform any other requiremenbJ under the mortgage. It is estimated that
the earliest date that the Sheriff's sale could be held would be Febnwy 9,2000. A notice oftbe date of
the Sheriffs sale will be sent to you before the sale. Of course, the lIIIIOunt needed to cure1the default
will increase the longer you wait. You may fmd out at any time exactly what the required payment will
be by calling us at the following number: (800) 895-9304. This payment must be ill cash, ell$ltier's ,,1u:Qk,
certified eheek or money order and made payable to us at the addre$S stated above.
You should realia that a Sheriffs sale will end your ownerShip of the mortgaged Jl1'Ojperty and your
right to remain in it If you continue to live in the property after the Sheriff's sale, a lawsuit eould be
started to evict you.
You have additional rights to help ptOle!:t your interest in the property. YOU HAVE THE
RIGHT TO SElL TIlE PROPERTY TO OBTAIN MOm:V ro :PAV OFF THE MORTGAGE
DEBT, OR. TO BOIUtow MOm:VFIlOM ANOTRERLENDJNG INSTlTVTION TO PAV OFF
TIllS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER TIlE PROPDTY
stlBJECT TO TBE MORTGAG.E TO ABVUR OR TRANSlERU WHO wn.t. ASSUME
THE MORTGAGE DEBT, PROVIDED TH4T ALL TIlE OUTSTANlJING PAYMENTS,
ClLUlGts, AND A1TOME\"S FEES ANlJ COSTS AIU: PAlO PRIOR TO OR AT THE SALE
AND THATTBE OTBERJlEQlJIlUi;MENTS UNDER 1lIE MORTGAGE ARE SATJti.flw.
CONTACT US TO nETERMINE llNDER WlIATCIaCVMSTANCES THIS RIGHT MIGHT
EXIST. YOUJlAVE THE RIGHT TO JlAVE T$8 DEFAULT CURED BY A 1'HlRJ!) PARTY
ACTING ON YOUR BEHALF.
If you cure the dtif/JU1t, the mortgage will be rl!lltored to the Sflllll position ,/lS if 1U) default Iu1d
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.
~~.~
Mark A. Munster
Regional Supervisor
MAMldnn
0~/20/00 HON 12:19 FAX 570 628 9231
KEYSTONE COlLECTIONS
1aI008
~one Zi
FinanCiaW
.
P.o.SOXI3ll4
POTTSVILlE, PA 1790.
PHONE: 1-<<JO.oB95-9304
FAX: 71700S2B-92:31
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOMEFROMFORECLOSURE
THE COMMONWEALTH OF PENNSYLV ANIA'S B'OMEOWNER'S EMERGl!:NCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW TIlE PROGRAM WORKS.
If you need man: infornmtion caU tlJe PcuusyJvuia Housing Fiuance Agency at
(800) 342-23!J7_
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVlENnO l'lN SU CAS.\. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTlFlCACION OBTENGA UNA TIUDUCCION IMMEmATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA ~OUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO mNClONADO ARRIBA. PUEDES SE ELEGWLE PARA UN
PRESTAMO POR ELPROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PlJEDE SALVAR SU CAS.\. DE LA
PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE..
YOU MAY BE EUGWLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSUlU1: AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
necembcr9.1999
TO: Mr. Lee E. VanasdJem
P.O. Box 636
Carlisle, PA 17013-0636
FaOM: Keystone Financial Bank, N.A.
P,O. Box 1384
Pottsville, PA 17901-1384
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03/20/00 BON 12:20 FAX 570 828 9231
KEYSTONE COLLECTIONS
1iII009
.
You may be eligible tor fiDucial assistaDlle tbat wiD ;reveat l'oredosure oa )'Our mortpge
it)'Oa comply with the provitioDll of the BoJijeoWller'. Emergeaey Mortgage As8istaaee Act of 1'83
(the" Act''). YOIl.y be eligible for em~ey temporary assiltallee if)'Ollf deralllt has beea
eaused byeiretullstBaees beyond your eoatrul, you have a reasoaable prospect 01 I'CIwniIIlyoar
mortgage p_eats, aad if)'Oll meet otller eIlgibi6U' reqlliremeats estabJished by the Peaasylvaaia
HousiDlFinaaee ~ey. Please read aU of this aolice. It eoDwalllll aplaaatioa of your rightJ.
Under the Act, you are entitled to a temponuy stay of foreclosure on your mortgage for thirty
(30) days fiom the date of this Notice. During that tiDle you mu$!: arrange IIDlI attend a "fac:e-to-face"
meeting with a repre$entative of this lender, or with a designated consumer credit counseling agency.
The purpose of this meeting is to attempt to work out a repayment pIan, or to otherwise liCttle your
delinquency. This meeting must QCCUl'in the next thirty (30) days.
If you attend a face.to-tlIce meeting with this lender. or with a c:onsumer credit counseUng
agency identified in this notice, no further ~ng jp mortgage foreclosure may take place for thirty
(30) clays after the date of this meeting.
The name. address, and telephone numher of our representatives are:
Mark A, Munster
Regional Supervisor
One SouthCenlre Street
Pottsville, PA 17901
(800) 895-9304. Ext. 9373
The names and addresses of designated consumer credit COIIlIse1ing agencies are:
Housing Asso. &: Development
411 Walnut Street
P.O. lm,1505
Allentown, PA 18105
(610) 432-6336
Commissioo on Economic
Opportunity afLuzeme County
211.213 South Main Street
WiJkes..Barre. P A 1870 I
(570) 826-05\0 or (BOO) 822-0359
or (570) 455-4994 from Hazleton
Economic Opportunity Council
of Reading and lJerks County
229 Fourtb S1reet
Reading. PA 18601
(610) 376-6571 or (6\0) 376-6570
CopSUllllll' Credit Counseling
Service ofLebigh Valley, Inc.
3671 Crescent Co\Ut East
Whitehall. PA \8052
(610)821-4011 or (800) 220-2733
&om area codes (717). (570), or (814)
It is only necessary to schedule one fiIoe-to-face meeting. You should advise this lender
inunediately of your intentiool>-
Your mortgage is in default because you haye failed to pay promptly instaIImentJ of principal
and interest, ,as required, for a period of at least sixty (60) clays. The toW amount of the deJlinquency is
$2,439.44. That sum includes the following monthly payments of: $219.59 for Februa1y 10, 1999;
$246.65 forMareh 10.1999; $246.65 for April 10, 1999; ,S246.6Hor May \0.1999; $246.65 for
June \0. \999; $246.65 for July 10, \999; $246.65 for August 10. 1999; $246.65 for September 10, \999;
$246.65 for October 10. 1999; and $246.65 for Novemher 10, 1999, plus late charges in the amDunt of
$0.
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03/20/00 MON 12:20 FAX 570 628 9231
.
KEYSTONE COLLECTIONS ~ 010
If yoU have tried and are urmblo to resolve this problem at Dl' after your flIeo-to-face meeting, you
have the right to apply for financiall!SSistanco fi'om the f{omoowner5' Emergency Mortgage Assistance
Fund. In order to do this, you must fill Ollt, sign and file a completed HoII1eownors' Emergency
Assistance Application wilh one of the designated consumer credit counselillg agencies listed above. All
application for assistance may only be obtained from a consumer credit coulIBOlilIg ~cy. The
COQswner credit coulIBOling ~cy will assist you in filling out your appliCalion and will submit your
completed application to lhe Pennsylvania Housing Finance Agency. Your application must be filed or
POShnarked, witbill thirty (30) days of your filce-to-face meeting.
It is e:rtremely importMt tIlm you file YOIII' 4PP/iCtztioll promptly. q IOU do not do 69, or if you
d, ",tfollow tile other timeperiods sdforlh in tIlis ~r,foreclos"'lJ mtIJI p70elJed aglli1lqtyo",. "fllM
lnrnwlitItely. .
Available tilnIis for emergency mortgage assistance are very limited. They will be disbursed by
lhe Agency under lhe eligihility by the Act.
It is ~Iy impQrtant that your application iI; accUlllte and complete in every res.. The
Pennsylvania Housillg Finance Agency has sixty (60) days to make a decision after it receives your
application. Duringthat additional time. no foreclosure proceedings will be pursnodagainst you if you
have met the time n:quiremeJ1ts set forth above. You will be notified directly by the Agency of its
decision on your application.
The Ponnsylvania Housillg Finance Agency is located at 2101 Norlh Front Street, Post Office
Box 8029, Harrisbunl, Pennsylvania 17105. Telephone No. (711) 180-3800 or 1-800-342-2397 (toll free
number). Persons with impaUed bearing can call (117) 780-1869.
In addition you may receive another notice from this lencjer under Act 6 of 1914. That notice is
called a "Notice of Intention to Foreclose" . You mUSl read both notices, since they both explain rigbtll
that you now have under PelUl$ylvania law. However, if YOII choose to exercise your rights described in
this notice, you cannot be fmeclosod upon while you are receiving tIJIIt assistance.
Sincerely, /1/1/\ /\/
/}16J fl,' IV dJ(J
Mark A. Munster
Regional SupelVisor
MAMldnn
03/20/00 nON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
1i!I013
lf9'stone ~
FinanciaW
.
. '
P.O,eox 1384
POlTSVILlE, A\ 17901
PHONE: 1-8OO-llllS-a304
FAX: 717-628-!U131
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM MAY BE A13LE TO HELP YOU. READ TIlE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
If you need more infonnation caU the Pennsylvania Housing Fi_e ..\genC:y lit
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PDES AFECTA SU
DERECHO A CONTlNUAR. VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIArAMENTE
LLAMANDA UTA AGENCIA (pENNSYLVANIA H.OUSING FINANCE AGENCY) SlN
CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO ~HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM''' EL CUALPUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU Hl}'OTECA.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGmLE FOR FINANCIAL ASSIST~CE WHlCH CAN SAVE
YOllRUOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
December 9, 1999
TO: Ms. Sara E. Vanasdlem
P.O. Box 636
Carlisle, PA 17013-0636
FROM: Keystone Financial Bank, NA.
P.O. Box 13&4
Pottsville, PA 17901-1384
, EXHIBIT
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03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
III 014
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. You ~ be eligible .'or financial ~lstaD~ tllat wDl preveDt loredosare Oil your mortgage
.Iyou comply With the prol'isious oftlle Bomecnt1ler's 1;1IIerg-=uey Mortgage AssistaDee Act 011983
(the ~ A~"). Vall may be eligible for l!IDeJoglllll;y' temporary asslstaD~ if your default.... .....
Qusl1d by eil:'Clll;"staDCeS beyoDd your eo"(rol, you IIave a ~aable Pl'OIIpeel oll'ellDlUiag your
lIIlI~e. p~ aud ilyou meet other eJigibility requit8llaellts eatablisJ!ed by the Peuasylvauia
Bousiag FiBaaet Ageucy, Please read allolthls DOtice. It COlltaiDs lIII ftJIlanatioD olyour rigbts.
Under thll Act, you are entitled to a temJlOl'lllY stay of foreclosure on your m~gc for thirty
(30) days fl'Ol\l the date of this Notice. During that time you must anange and attend a "face-to-face"
meetillg with a representative of this lender, or with a designated conswner oredit oounseling agency.
The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your
delinquency. Thi$ meeting must oc:cur in the neXt thirty (30) days.
If you a1Wmt a face.to..faae meeting with this lender, or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreolosure may take place for thirty
(30) days after the date of this meeting.
The lIllIllo, address, and telephone number of our representatives are:
Mark A. MlIII$ter
Regional Sup~sor
OIIe Soutll Centre Street
Pottsville, PA 17901
(800) 895-9304, &t. 9373
The IIllIl10S and addresses of designated consumer credit oounseling agencies are:
Conswner Credit Counseling
Service of Lehigh Valley, Inc.
3671 Crescent Court East
WhiteIlall. PA. 18OS2
(610) 821-4011 or (BOO) 220.2733
from area codes (717), (570), or (814)
Commission on Economic:
Opportunity ofLUZIl1'IlC County
211-213 South Main Street
Wilkes-Barre. PA IB701
(570) 826-OS10 or (800) 822-0359
or (S1O) 455-4994 nom HiIzIeton
Housing Asso. & Development
411 Walnut Street
P.O. Box IS0S
Allentown, PA 18105
(610) 432..{i336
Economic Opportunity CollDCiI
of Reading and Berks County
229 Founb. 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 of yoPI' intentiOIlS.
Your mortgage is in default because you have failed to pay promptly installments of principal
and interest, as required, for a period of at least sixty (60) days. The total amount of tile dolirnquency is
$2,439.44. That sum includes the following monthly payments of. $219.59 for l'ebruary 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10,1999; $246.65 for
June 10, 1999; S246.65 for July 10, 1999; $246.65 for August 10, 1999; $246.65 for S,eptember 10. 1999;
$246.65 for October 10, 1999; and $246.65 for November 10, 1999, plus late cb/llgcs m the amount of
$0.
.-.....
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03/20/00 HON 12:22 FAX 570 628 9231
lIEYSTONE COLLECTIONS
141015
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If you have tried and are unable to resQlve this problem at or after your 1iIce-to-face meeting, you
have the right to apply for financial8S5isJanc;e from the Homeowners' Emergency Mortgage Assistance
Fund. In onIer to do this, yOu mUst fill out, sign and file a completed HomeownlllS' Emergency
Assistance Application with one of the cleaignatecl consumer credit counseling agencies listed above. An
application for assistance may only be obtained from a consumer IlIedit counseling agency. Tbe
consumer credit counseling agency will assist you in filling out your application and will submit your
completed application to the Pennsylvania Housing Finance Agency. Your applic:ation must be filed or
postmarked, within thirty (30) days of your face-to-face meeting.
It is ertumeJy importll1ll that youfde yolll' fIJ1plict(Jioa promptly. If YfJIl dtJ IUJI duo, or if ytJu
dtJ notfollow till! othu time perit1tb set forth in this letter,forecl06ure "'IIJI pl'fltMstl agaiIuI YOIII' "tIme
inunet/iIltely.
Available funds for emergency mortgage assistance are very limited. They will be disbursed by
the Agency under the eligibility by the Act.
It is extremely Important that your llpplication is accurate and complete in every respect. The
Pennsylvania Housing Finance Agency has sixty (60) days to ma\ce a decision after it receives your
application. During that additional time, no foreclosure proceedings wilI be )lIIJSUed apinst you if you
bve met the time requirements set forth above. You will be notified directly by the Agcmcy of its
decision on yOur application.
The peml$Ylvania Housing Finance Agency is located au 21 0 I North Front Street, Post 0fticB
Boll 1029, Harrisburg, Pennsylvanilll7l OS. Telephone No. (717) 180-3800 or 1-800-342-2397 (toll ftee
number). Persons with lmpam hearing can call (717) 780.1869.
In addition you may receive another notice from ~is lender under Act 6 of 1974. That notice is
called a "Notice of Intention to Foreclose" . You IIII1$t read both notices, since they both explain rights
that you now have under Pennsylvania law. However. if you cIloose to exercise your right$ deeeribed in
this notice, you cannot be foreclosed upon while you are receiving that assistance.
Sincerely,
1rY/J-~
Mark A. Munster
Regional Supervisor
MAMldnn
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KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
f i'
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
.
.
LEE E. V ANASDLEN aIkIa LEE
E. VANASDALEN and
SARA E. V ANASDLEN aIkIa
SARA E. VANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM
2000 - 1(.. 7J> (?,~L{
NOTICE
YOU HA VB 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 FAlL 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
T'RUE COpy FROM RECORD
/fl Testimony wllereof, IlIere unto set my hand
a, nd the seal 01 sal,' ~.... PI.
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otaI'y
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KEYSTONE FIN~CIAL BANK, N.A.
Plaintiff
: IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
LEE E. V ANASDLEN aIkIa LEE
E. V ANASDALEN and
SARA E. V ANASDLEN aIkIa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM 2000
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 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013,
2. Defendant, Lee E, Vanasdlen aJkIa Lee E. Vanasdalen, an adult individual, and
Defendant, Sara E. Vanasdlen aJkIa Sara E. Vanasdalen, an adult individual, are husband and
wife, and reside at II Hill Road, Carlisle, Cumberland County, Pennsylvania.
3, On or about November 6,1992, Defendants made, executed and delivered to
Plaintiff an equity line agreement and a real estate mortgage financing Fifteen Thousand 00/100
Dollars ($15,000.00), a copy of said equity line agreement 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. Lee E. Vanasdlen aJkIa Lee E. Vanasdalen and Sara E. Vanasdlen aJkIa Sara E.
Vanasdalen, are the sole record owners in fee simple of said premises subject to said mortgage,
by virtue ofa QeeddBled March 8, 1985, and recorded in the Cumberland Couqty Rec9rder's
Office in Deed Book "31" , Volume D Page 436, 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 February 1999,
March 1999, April 1999, May 1999, June 1999, July 1999, August 1999, September 1999,
October 1999, November 1999, December 1999, January 2000, February 2000 and March
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 9, 1999, a copy of which is
marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference.
8. The Plaintiffhas given written notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated December 9, 1999, a copy of which is marked
Exhibits "F" and "0", and attached hereto and made a part hereof by reference.
9. By reason of the aforesaid default, the entire principal balance of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, with interest thereon at the
rate of 9. 95 percent per annum computed from December 28, 1998, 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 due
to 3-26-00
$81,407.47
B. Interest due
to 3-20-00
1,389.57
C. Attorney's Collection fee
704.85
TOTAL:
514,801.92
~-~ ~-
"
,
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 Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, together with interest
thereon, costs and all other amounts advanced by Plaintiff.
illiam A. Esquire
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
,
YERIIi'ICA'{IO;N
I, lack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone
Financial Bank, NA, 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
~/P
ack V. Hutchison
Sr. VICe President
Keystone Financial Bank, NA
(
(,
03/20/00 MOM 12:16 FAX 570 628 9231
~STONE COLLECTIONS
..
EQUITY LINE AGREEMENT AND DISCLOSURE
_Ill
. Principal ,
$15000.00
R11lOfel'OKlIIrntshlo.dc__bu~uW .tIddOnQI"'h
r:l1hIo~tO'.
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---
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CREDIT LIMIT: $'S,OOO.DO D.,., of Agreemenl: __ &. 1m
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YOU",IoIlN~IHmlI.a~ . .
Prcm&_ 10 ..,; 'to.) P'OINM' to MY F....--s fnal ~. ~~. ... kMf rJ" c,d~,--. INJ ~ CHARGE5.1r;Vl*'* ... ...
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03/20/00 ION 12:16 FAX 570 628 9231
KEYSTONE COLLECTIONS
.
.
EQUITY LINE AGREEMENT AND DISCLOSURE
ICO_d)
P=;a 2
-
,(
1tI)~.n,,,,,I"C'''''''W
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03/20/00 MON 12:17 FAX 570 828 9231
KEYSTONE COLLECTIONS
.
EQUITf LilliE AGREEMENT AND DISCL()SURE
(Conttnue~~
Poge 3
--~.,=
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RATES iGl$tINC THEDlSCOUIA' PDUOO
ANNUAl. PERCENTAGe
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03/20/00 MON 12:17 FAX 570 828 9231
KEY.l!TONE COLLECTIONS
Ii!J004
.
EOIJITY LINE AGREeME~rr AND DISCLOSuRE
lCanIinued)
'194!' .
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CGn1I="'ed hUIIUltr,~ YlkI ......ISO feIn&n ~ lor n~'" v... CJI f10IN ICcr..", LJIMI;II er-.lSll C~S II' gI'~ CrMaf L.l......, aeo.'Od
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~n1;;'non-Pl~~1'4lI~'MMr..w"rI1Qh!IO~WUlItCOuftI...,..IlIurt'JOl,I"."'nofPM'. .
CIr~ __ You. t,yCkI waJ JfNI:wg'l1Q c::r_ ...._II'\dtIItl4_~ ~ nr.At rdfy us.~ ,-.,... ~"'(q'.liJF~ rlCrNf
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Milt fIMI.. "lIIImllllllhlfWllr.-_~
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tc::IIiItd 'INa\NQ!i CMARCEI,..-s 01"* a.ifto ~ '"'" P~'" irI..,.,., II' row ~ Parmr.d"" ........ ~ _ JIIIIol "'10
~tGlI'IP.YN~"J'!lII"I$ ~1t.'chW"'I-.a_~~9IWGft"'0fd,I~ tIJCIUm,tt l~fI4c':.IIlQntIW'DldIf.
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naIW"...........~ 'YUYIiJ...l;MtuJP~'",,~rw.mlilrvlOlhN.. .
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CCIIfUIC*ed-dUlnlJlld ID IMftIHI~"................ h1'~""'tIIIlICtI..,.... DI__A~...... ~
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fI.......~"U'lIIo...... 'YOU W'''BlII ,.................1t'I~ ."IIISI'~"1W~""
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........... naI III .....,,, ~ ~"'CI.\II mq~....... .....VftlJQlllilns ~ lIIIM'Ii.pr....."..
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RECORDATION REQUESTED BY:
(V\....~.T '. Z"~('l[n
fiEC~O'n'OE;!' O~-D'EEDS
cm.;[;E.:.L/,lrD COUNTY~ Ph
nmrera nual Compllny
O"'WesIHlgllSlrelll
Cnrlllll1,PA 17G1:3
WHEN RECORDED MAIL TO,
f.rm~ra Trull Compllny
One We.t HIgh Sltel:!1
carll'lle.PA '7G13
'9zIlOU is AI'I B 17
SEND TAX NOTICES TO:
lee 1!. Venllldlen, 1:IIk. Lee Eo VonlUWlllen, s.r. E VIll1~len
.ndIllk1DSIIrae.Vanlscllllln
.nDNoblaBI,d.
c.rtltlilt,PA 17t11'
SPACE ASOVETHIS liNE IS FOR RECOROER'S USE ONLY
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OPEN - ENO MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCES
THIS MORTGAGE IS DATED NOVEMBER G, 1992, between lee E. Vanasdlen, IIIkB Lee E. Vanasdulen, Sara E
Vanasdlen and alkta Sara E. Vanasdalen, whope ,address Is 400 t-loble BI,vd., CarI.lile, PA 17013 (referred to
~Iow as "Grantor"): and Farmer. Trust Company. whose address fs. One. West HIgh street, Carflsle, PA 17tl13
(referred to below as "Lender").
GRANT OF MQRTGAG~. For vDlulIble eonsllSerilUOfI. Granlor gnIfIlG, bor1l.rn.. sella, COflV8y~ aulan", Il'DMIflmI. relllllSOS, cnnllrrn. ""d
mDrllJlI;e.to..."d.....DIGt.nlllndllhl.lllle,.andlnlonlldlnund 10 IhIfllllll'lltl"ll' ,,~..a1~.IOll.lherwllh.._nng or&Uln8qulnfty
orec:led or IllIlrud b\.tIdlngJ,. ftnpl'DVDmllnR AlId ~.d sfrMl.I, IIMI, IlJeys. PPIll9U, and Wlvii" IAs.me.. ~1I11 or way. d 1lbarIIn.
prlvlllga. tonamenta. hlndIlIl.mlnls, and DPPlWFltllll\alllhervllnlo bllonglng lIl' al1)'Wlie madll llPPWf_M horuftlf. .nd 1110 ~ Inr:t
r.malndllrs wRII I'llspucf Ihelelo: III wII.... wak!r righls, walon:oursos and dllah rlghls ~nelu~ ltock In ulllln WIlli i:I1leh or Inft;I1Ion rights): 11m! ..
DIhw rlghls. rcpIft~ and ptl)fIll rollUnlllo \tIo roal proporly,lndudlnlfwHIIoUllmlla'ftOlla' ml"",,1s. 011. ou, OeClln.rtMllnd similar mallorl.located
In Cumberland Counly, Commonweallh or Pennsylvanla (the "Rea' Properly"):
Deed Book 31-.1 Page-13G and Deed Baok 31-D Page 436 Township: Weal Pelnnet)Qro
The Real Properly or Its address Is commonly knewn sa 1bHIII Rold. Csrllsle, PA 17013-
:;,m~.p::~r~([:~,:~~:~d: J:r:m~~~~~I::,=~~~n~olo~~~':.:~~nd aU Rtlnls From Ih~ Propldy. III
DEFINITIONS, Thlt rollowlng WOl'ds sMIl N\t'1Ilha following munlngs whlln u$Ollln IhIs MtIr1gillll. T1Irms not oIhorwl:a dllllnod In IhIs Morlgegll shaN
Mw lhll mllanlf'O$l!.llrlbUlud Ie such hJrm, In 1110 Uniform Commord81 COde. All referoncos 10 doWar Imourns shall mun lIll'IOUJ'lb In lewlul money 01
lhaUnIIldSla.lleorAmarlca.
CRd!t AOfM'mant. Tho words "Crotlll Agraemenl~ II'IOIn n. f1MlIvIng 11,.,. CIJ oredl lorOOl11llnl d'lr,d NClVOmber S. 1992,. bohv~n lclndar 1mi'
GrJInlor With a credit limit of $15,OOO.OO.logolhor with IN fenllWllls of. Oldonsfolll of. modmalloM or, rflllMnclngs or. colllolldlllans 01,
IIndsubslllullonllor IhcrCrDdll/lgl'aamenL
ExIs1lnlllndflbladne=. Tho words "El</sllllg tndabllldnOS5" moan lho lnclab!edl'l(JS$ dui:l'l:lud bQll1W In !hi EJd;ttng IndwllldnllS5ll!l:lon orlhts.
Martglglt. ..
Gtllnlor. ThlJwCIl'd "Gt'lInlol"mellrlS lit. Eo Vilnll$dICfl, IIIIwLelt E. Val!ll$dolen. SIlJII EVllrlolidfen .nd.wl Sera E. Vlnpdal$tl. The G~lor
Ia Ilia morlglllllll' unr:fCIrlh1s MorIg:aoe.
GlJInInlor. Tho word "GUlrunrlll'" moollS and Incrudes wKnoulllmllullon, (IBch end III of 1110 OUlIranlors" sumllas, and Iccommodllllon pUrllBlIn
connecllo.nwllhlhel~dobktdnOSl,
lmprovllmanlL ThD \1101'1:1 "lrnllro.,.motIIs" l'I'IlIln. .n" Indud:t. wlthou! Ilmllallon d GX!l:lIno .nd fuhtra "",provo.,,.n!', IbIIlI1D!:. buildings.
iMJclutelI. mob~ homos IIIl~od C1n lho Rl:Jol Proporly, FoclROo$. Iddlkms..nr:t C1Jhltl'consfruelfon OB ItJo Rolli Property.
mdebledneS$. Tho word 'ndeblldnoss. moln. all prfndpal Up to $1F;,ooo.oooulSlllI'Itlnlll ulldlll'!hI Not. _I In)' "mar and IntorllSl plyabkl undlll'"
lho Crud] All'roamonllJnd on~ lImounls lIXp8nr:tor:t 01 ad'vancod by Land8l' 10 dli5dlll'Qllt cb!lg.llons or Gr.llnlor cr Ixpllflsn lB1MT1ld by t..nd'1Ir' 10
IInrorce obF\glUOI'I5 of Grlnler undO( l~ MQI'I~(Je. logolher wllll lnlorosl on ~ucb amo\lnll u provkllJ:d In this MorfglgO, Specfne.lly. wUhout
/lmllllllon,lhl. MOl1lJt10e securea 1II'CYOMIIg line or credit, whIch Obligates LlIn"ar 10 mllke atklanc910 Grlll1lor uhless Gr.lor fllll.to
comp:1}' willi 1:111 lhe ItlTm. of !he eredll A.lIfl:llmllnllmd' Leder gtvtl Grantor a noU'c. 0' d.rputL S\lch ad';'tlnctlll may b& citado, repald,
and rcmlldll from ,,",e 10 Orne. sullJeCllo the lllT\Ulllan Bllt thlllofll oulalamllnlJ bOrmce oWf!14a1.,}' one Umi, nOllndUdlnll..lIIlanee
e1wgo on tueh bafllllCe 0.1 II ftxed or Yarlablo r,l_ or ,uin' as pI'OVI"lld In 111. Crodll Agrftmenl, .-oYtompgrMy crtr'l'lIgn, olllOr d1lll'Qlls.
end any amounts ellpllnd~d or advllle~ u provided In,thl,. parlgrllpll, ~~Il.l)ol,m9:f 1IH!.CftdH Umlt III provided In lhe Crodll
AgrumenL II I. lhaln!enlron of GrantOll1ld llnder lhollhl. Mo.rtgage uct.frp Ih~.bora'~ oiIWiI1llJnll' undar 11M: Cmltl Agnemenl
from Umlllo lime Irom arc up to IIta Credit Umlle PTO"ldeli ebon and WIf InlemHtdlall bela~. plullntllrcl.l. The DeMlnd ACur1ry
Inlerelll croated pUfsullnllo Ihts Mortgage COyerlnlllhlllndllblednllM which may b. erllelod In !he future '11111 re~l. beck 10 ll!ll dll1ll Of
IlllsMClrtP1I8. .
Lender. The wll1'd1.ender" means FOrllllltS TM! Coll'l&llny, II!;. SlICCII$SOr1Jllnd as$lgns. Tho lender b It. morllllOllB undfll' lhIs MorIOaoe.
Murtgllgll. The WOI"d "Morlgage'" meanS tills Morlgaga b\llwlllln GranlQllnd landar, lInc11nclUtlp w1lhout IlmIlRllon q11lsslgnmonls and seeurlly
InlllmslproVlstonsrelallngloltlllPsrsonalPropodyonclRenl3.
Personal Property. The wards 'Porsonel PropGrty" masn an oClulpmonl. ftx!Urtl,. and olhGr IrlIc!lIs 01 parson,1 prGjlwly now lIl' hllr8llnBT 1lWllGr:t
by GranlOl", lind now or hlll"ullll' ollachPd or alnxad 10 Ullt RIIllI Propllrly; logalhar wllh aft aceessloM, pn, and ,addlUDIIS 10. ,n rBplacamllnls 01,
>.!
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'EXHIBIT' ,
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MORTGAGE
(Conllnued)
Page 2
IUId&llIUOSOlllllwfor,IRW'OISLlChpRlplllCyilfldlogeltterwllhellProceads(lng/udlIllWlthouIMmIllllanlllllrlSUI'Il'ICllprOCllQde:lndl'8lundloI
pnImlumsJfiDmanrsal8orallwrdllposlllonallhlPnlpIlti.
P,operty. ThlIword"Pfqlsrlfmllll.flIcoIIsoIIv8lylheRealPropIldy.ndIh8Pt16Ol1111Prop8rl)'.
RuI Propsrtw, ThlIWOldI"Rll8l~meanllltprojllr1y'.lnIenIIlsllftdrlghb dllSCllbldl~1n lhe"Gwr1aIMarlgage-1llCIIoIL
Rellled Dacamenl'. The WGl'de 'ReIs1Id Dooumsnlt" flII8n Ind lnc!Ud8 WllhoUt ImHallllll II promlualy n_ mdl 8gl'IMNnIJnII. loan
19nJ8m8J1l1. gUSlln1lllS, IIlDWlly lor.men, I!\IIl'IQIgDt. dll8ds 0I1M1. and III oIhIIlnslrulll8llll, BgJIIelNllntland dacurnInIa, wheIIItr ROW Dr
IIBteaOer_IInO.llClICUI8dklClDllrllCllonwllhlhBlndsbl8dnm.
Renla. ThI ward "Ranis" mill'" aM presanl llnd lulur. rem.. flMIlIUUo Incoma, Is5ull$, ropJIIu, proIil.. .... otI'l8f' bendl:l dIItwd hm 1M
Ptapllfl,.
-
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THIS MORTGAGE. mCLIJDING TKI! ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE F11!N1'8 AND ~ PI\OP!RTY.IS
DIVEN TO SECURE III PAYMENT OF THE! INDEBTEDNESS AND II) PE!RFORMAHCE DfI AU. OBLIGAnONS OF CUWI'I'OR lHJER THIS
MDRTGAG~ AND THE! RB.ATEO aoCUMENTS. THIS MORTGAGE IS cuveN AND ACCePIEQ ON THE FDU.OW1NG TERM.
PAVNENT AND PEAfORIIANCIt &lIctp1 u GIII8lWlIlJ prDVldid In lhII M~ ChnIar tlIilI pay Ia Lend8r BIIamaWlllIl!CUl8d bV It1II MorIglIge
a5 tlllllt bucoma dua, and Ilhllllllrldv perflll1D .. ClI' Granlw's abUgalons undli'!HI Marrua.
POSSESSIDN AND MAINTENANCE OF THE PRD~. er.nllIf' a;rep Ihll Gra~pllll8SSlan Ind 11I8 oIlhe Prapll1ystld b8 gllllWlHld by lh8
Iollawlna provisions:
Paueaalan and UN. UnIIln defBull, Glantar ma, ,8RIlIIn III pO:SS85llan Ind canltal 01 and operalD and IIIlIl\fIgllh8 Prapaly Uld caIIIICIlhGI
RsnlslramIhIProp&tl,.
Du~ lei MalRIDln, Gtanlor slid malnlllln IIlB PrOPBtI, In I8nanlable IlOndlUOll and prampl" IHIr10nn II tepalr$,l8PIllCtilllln"'and IlIIInI8nance
fIOOlIlSIJVlOpl1lSllWlllsVlilll,
HIize,doua Subllllncu. TIlIIetmI ~fdoUI YIlISI." "huIrcIaUl aublillnoe,- _asaI." "rGl8111l1: Ind "i_limed reIeU8,,- II UI8CIln IhIs
MOftgIlgl, slllilll&YO IblJ sa!!ll meanings II nllGl'lh In lhe Call\lll'8l1lnsIYI ElWIronlRlnlll RIIPllnI" ComPeRIIIlaa. Ind LI8bIIV AaI'* lsao. ..
lmended, 42 US.c. Sea1Ian 9801, eI uq. ("CERCLN'). IIle Suparlund AmltDdmlnlllnd AIIIIllharfzaIfon AcI aI 1-' PW. L. No. .......
("SARA"!he HuardDVI M/illrlals T~arlII.'lan Act 49 U.s.c. Sedan 1BOI, II '!HI.. thI Resour'Ot CanMlV8llan and AaafIw'Y' IllIt, 41 U.s.c.
S8atlan 8901,.1 HQ..'t1l olhef appllcal:.le lIale tit FadBral IIlWI. R111J1, or J1Il1ll1a11Dll1adaplecl pun..'" 10 IUlY at Ibl fofegaItIg. TI\Ii Iennt
"hUard0Ul wasil": IllId "hI1lfdaU1 .UbJlanca" shill tIso 1naI1ld1. wlDIoulIrnlllUan. pllnMum tnd paIroIeum bHrocfucII at Inytlallon DIInIaI
and asbDllos. Grlnlor NJll8SIInlllUld warranlllli' LendI1, IhaIl (IJ During till PIJIad QI eranllll"a 0Wl\Itih/p Gllh8 Prop.,..,. IhIrI ha beIIn no
use. genwallan,IJIII'Ill,18ollKt. 11onlill,Ii'eIIrnenl, dlspOSll. relHS8 or Itnltanad _. C111ll)"hUItdaUs wtst8 Gr8UbStallDt'" anr ptfIlIn an,
'_,' <<lbOUllhe,Picpsrtr. (b)~nIar till no kn0wSedQ8l11'. GlfIIIOn labllleVllhaJ Ih8rI huhlA....,.. u"..usrrdllCllaMdlolJlCl
lCknowl8dQlld by....d8r 1rJ'~llII. OJ IlJIr usa, genIJ8IIon. manullll:lUrt, *!lp"lrIetmenl, dllpDIIl, fI!aIIe, Dr IhrUlIMd rtIauI or...,
Ilaulfaul w, .11 ot 1UblI, IIlIllI b, any_awn.. OI'ClCOupanbolllltl Ffaperlyor (ll}tiIYIaI\III"INHI8~dIllp1/:OnatGtlllmlalMVldl'ldbJ
Il\'pe1IDItftlllUnglaSuahmallllSllnd (aJElIcepIUpreuJouslydl_SSdloan6adulG\11lidgtdbrl.8ncllrlnwrlllna. Cl)IIeiIhIrGranIOrlWl'lDl'
lIlnanl. ClIRlrlIllIor, qanl << Dlhlr Illltloilred I/lI'r 01 1118 PtDPIII'i slid .... 0lII\Il'A1e, manufHlure. sin. Ire... dISDDM 01, lit ..... ...,
. h_daUJ Walle or IUbIlI;na. an, undlilr. or .oulDls PrapwIy and lIlJ..., luctJ.lllllullJ..... bl CllJIduI:Iltd In camp....... II appllclblll
flldllll. lllIJe, snct IoaII !aws, l'fIllulallont end ardnlnan. tnctudftg w1!haut AmUslan thau IaWl, llI8ulillanJ. and 0ldnI" dIIClrIbId abllVlt.
Gtanlar,aUlhorlfn Lend8r and Ita IQlInlllo snlllr:upon tilt EirlJ' Ia ml'" tuah ~.lIII.1I it lAndIII' rMVcIHm appmQdllll to
dllWndlll compll.8nca aI_lhe Prcp8l'lY wII~ IhIa suUon of ItI8 M sp. Atri In&peatIans ar..... made brLendlr ahII be 1<< LIrldrt pUrposes
OIIttandstisUnllbeaa~to'Cl't8ltanyNlponslblUl)'ar anltKlparlofundWloGt'lnlanrloanrQlhlrplllM. .....rapl8lll'lllllans
and Wll./QInllll$ aanlalntld' hMIn.,. bUCId OR Brln!ar's due dllganc:e In 1nWs1Ig11Ing Ih8 Pra&l8lIr fClf hUanIaLIa WUtt. Gr8n1ar hnbJ (I)
/tIIpBsI1 and wlMis lUlV MUll c:IIfnis agalnsl Lendll' lor IridlmnllJ 01' dOfllrlbutlan In ttIt IMlnI Grenlar beaalml, l!i*1clr cIe8tiVp ar aINr COIls
uncllrln, IUGh laws, and (bJ ag~ leIlndtmnllrand haId twmleQ; IAndlrqlllllll enranct II ataIms, ",liblillln. CllmaDlloPllllll.....nd
FJJpltlll8S, wl*:tl Lend. Rlli' ,dIreGl" Dr Indll'llcUv lUIIaIn flt sunar nl5ulllng InHn I bf8Ilitl_allNIlICllfan III Iht MDfIBap ar .. allClllNlqUllrlCll at
an, use, generaUon. mlnlllllClwe. 11atDgD. dIlpO-.t, RIl1118 or lhrulllned rflllI4II ocourrIng pllll' fa BrInlof'l OWIlIl'l:kd8l1S1ln tlla
Prap8l'l" wfI81h8r lit' nalllMt lima W~I or l!toul6,have 1f8IJI Icnown to G18nlal. 1h8 provisions 01_ lhIs S80IIan of Iha M IncIudng lht
abllgaUan IolndlllMlty, '11II1 IIll'IIIlfe, !hiI pavrnenl OflhllndebklclnllStand 111I IIlIIfada., and lfHlOllW)'allC8 oIlhIIlan af lh1t CWlDIO' and $MIl
nolll. 1I11llC18d bW' LIIRdlIr'I acqlial1lon of anv Inlsreslln Ih8 PlOpIlI)', whIllhllr by rtlnlCIOI.llI1I or oIh8Mtsa.
NUlsance. WlIIIs. erantor shill nol caUl.. c:anduc:1 or plllllllt II\' mtlIInalllOl c:cmmll. permit. Cll' sUllw sllY IIrtppIng at Ill' WIISIlI on or III lh8
PlClpllrly or Ill)' palIIan at tho Pnlperlv. W1lhaul UiI1IUng Ihi ;enlIraft" oIlhr1lOtililaltlg. Gr1nlat wBI naI rumalle, or gr.aM 10 lIlY oJh8r padJ the
r1uhlla Flmave, an)' UmbOr, m1nlll8ll (Including all llfld gas). 1ClI~ graVIIl Of fClI:It produclll w1lhau1 the prior wrill8n aonsunl a' Ltndllr.
ll.movlII allmprovamenll. GrIl_nlar sll8D nat dsmal1Bh or ,amovs 8'" Impravemanll ftom-ltII RHI Propsrly ,wIltloullh. pilar wfIHsn conunl at
l.aadlll'. As a cOIldUlan 10 !hi rumaval 01 a,., Improvemanls. Llnd81 ma, requll'l Grenlar 10 malts BrflIng8lllllnls sallslaalary 10 Lender 10 rep_
luchtmprawmlnlswlllllmprawllIllnllafalltlsllaqualvatLia.
Llndef'S Righi 10 Enlar. Lend... and IIs.agsnls snd l8pI8Senle.l1VBs msy snllr upOllIhl AsII Pta~ 81l111rsuoRlbla UmIS 10 IlU8na 10
18ncler's Inl81GSlt llftd II Inspeallhs ProPeli)' lor pUlpaslI al ersnlClf'a compUanae with lhe IBrms and candlllans 01 thlll Mortg&JIll.
campllonclI willi Govammenlsl Requirements. enintar sllall plompUy campI}' WIlli a111llWS, ordinances, and regulalflllll, naw or hlIl8IDEII' In
alleal, aI al govem~lII aulhorlllel applicable 10 Ihs UB8 ar DCCUpInG)' DIllie PtoperlV. Granlal may canlnlln goad fatlh s,., such law,
:~ ardlDIIIlll8, at regulaUgn lUld WllIlllald compllu.nae during s'" plOClGfllng, Including apploprl8la appallS. so long 8J Branlar his naUllad Lendlll In
:q wrlUl\Q ptIar 10 dCllng sa and 10 lang H, In L8ndlr's sals opln/Gn, Landin InIDJ1lllllln IIle PtGpertv ilG IIlII)IIaptrdIud. lBnd81 mar reqlllnl
I..., Granlorlopaslad8quals~lyoraBlIl8I)'band,rSllsanabl'I8Usl8claryIaLendlll',laprotBQ\LendBtslnlaresl.
tI:) DUI)' 10 Prolecl. Gllnlaragl88ln.sllllllrloabsndan narlslveunallsnfllldlllePtapertv. GranlatshlDflodalherac:ls,lnlflfllDantalhOSlllCla
00 III 10M abaVllln IIlIS $BCUon, wh1ah kam IbBclwlrsc18r and U/5e olllle Prap~ IlI8l'81SOJ1ably tIlJCll5$6l)' 10 pralealsnd preHMlIhrI Ptclpartr.
DUe ON SALE - CONSENT BV LeNDER. Landsr mav. sl III opllon, fllClallllmmBdlsle" dus and p.IIyable III $ums HCUfld b, Ihll MllI1gagl upon IhB
S8lB GJ 118ns1Pt. wllhald tile Lendlr's prior wrlllsn canHnl. al III or Ill)' pari 011110 Aul Prape"'. ar Ill)' InlBral In Ills ft8aI Ptopertf. A "sale or
l,lII1SlV' muans !he aDRV8VsncB al RIll Plapsrl, or In)' Ilglll, nlll or Inllfellhsratm Wh8IhlIl' ,18g11 or squUable; wtISIh11J VGIunWy or InvalunlaJr,
wl\(r.lhllI' b)' aulrlgtd ISla, deld,lnsllllllllllnl SIllS canlracl, Ilnd aanlrecl, c:anlraallor deed,18ssshald InlarDSt Wllh a l&rrn g....ter OlIn IInI (3) ywa,
/essHpllon canlrasl, or b, Ball, _nmBllI, or !rInsl. al anW' bensnclalInllll9S1In or 10 anW' land 1I1111 hallllns IIDII; the Rut ProptrIw, or tw aor
otherlY\Blhod al convayentl DlRW Ptapari)' 1nle1esl. IIlnr GranIoIls II CGrpOl'lIUan at pulnlrslllp.ltansllJ also Includes any cllln8llln awnarahlp of
mal'llhs.n IwenlJ-lIv8 pllICtnll2ftJ oJ Ihl voUnllslack or parIIliUlft1Jt InlMllI, lIS the CllSI mlV be. 01 Grsnlor. Howmt, Ihls opIIan Ihll Jlal b8
axaraInd br Landsr U luc:h IXIrclsllI plalllbllad by Ildwallalll ell b, Panns~n18ll1ll1. .
TAXiS AND UEHS. Thalallawlng provisions ,IliaUng 10 IhB liKeS andlllnl on Ihs p,apwtr are II part althl. Mortgsga.
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iF
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MORTGAGE
(Continued)
Page 3
PO)'fftlnt. Gtanlor shall PlY whln dUe (Ind In aU wenIt prilli' 10 dell/lquanor! Dll8xP. payrolluu, 1JltQlIlliuln. IIUIImllnls, _'- ahafVIS
IUId IDWW HNb ohlrgal INed qllml 01' on acoounl 01 the Properly, ancllhall pll)' when due lIII cIaIltII hi' wodr dOn. on CIl' tDl' mvIceI
rGndllldormalerfBlfUtnJahlldla lttI Praplltly. Grt*sIlaIlftlllnl.ehl,lheProoft_otd"'~~~OI'~kl.ft\sln\lnq\oI
LendBl' under IhIs MDltgsga, eMCIpl IDr I'" Iktn ar lIns Ind ISSlIS$IftlInIa not due, ~ lor the EJddilotildlbl1HlMsl1lTllmld II boluw. and
8IICllplU oIharwlH provldld In !he fOIOWIna Plregnph. .
RIght.To Conleal. Grsnlor mayWUhhold pIVftllnl at In)' 1M. _men~ 01' cfIIm In 0lNI1lIII1IDtI wlh. 0a0dI1lI1Ih dlspU18 ovw Iht abllalllon Ia
P'Y, slIIklng.....ndnlrdtrnllnlh.PropIltt''' natJeOperdflld. II. .."... ..II_sa 111lIUlI dfno",armant.Uf8n1arshellWllhhl nlla8n
(1GJdays..ft.1M IhIn IIrIMI or, H a\lllTllllIIed, wIl"'n RftHn (16) claVIlflwera"larhU nallct i1fhlllnO'.novr."l8i#W.r;eOllh'lIen" ClI""
reQuoslad bylendar, d8pasQ wlIhlenQ-auh or. ,ulllclenlCOl'POl'llesurely bond orolherlliauiqy...lIIfiGtoryllil.4rld8rlft In lII\l:Iunlelllllalenl
Iodllaharaelhllll8n plus Ilft)' CllSII .ndallotnlvs'... OI'oIhlfchIrGn lhaI call1d.CCI1I8 ...l'8IuII oI.'loriIcIoslDP orHhl1lftdar D1.len. In
any(lOllIIS1. Grantor shl. dBlend IIHIf uuI Lender I/'Id IhIIl plllly..,y..... fUdglllllll bIftn ~I qlilnlllllt PnIplIrtv. (bnlar INII
n.1lllI Lendar u an addJIIGnll obIlge1 Uftlflrllrfturelybond ItKnlIh'lld In the oonltsl p1VDI8dIng..
EYtclence 01 PlIJmenl. Granll/l' IheI upon damand fumIIh 10 Lendtl' ufts.leCtmy ll'Adance oj payment of U. lIW 01' IIIBIsmanll and slid
autl'ltltla Iht IIpproprlal. OO\lBl'llmall1al olflclal 10 dlIlMw 10 LaIlQ-" '"' Urne a wrIIIan I18Ieman1 oIlba __ .nd IISlISImfPlIs agellllllhl
-,
HllIc:e 01 eollllrucllon. Grlnlar INII noliI)' und,r IllIau1 nllten CUll dawa before 8"l Work II oominenaed. 1l11Y seMaee .... fVmIshlld" Dr Ill)'
malvrt&llll'8 IlItl'pR,d 10 IhI PrGpIrIy.II 'ny mllDltarlfll't Ien. mallllalrNn's 1I8n, or alh8r 1IIn IlOIM be use,," an ICCOUnl or lhe workl aarvIaes,
or rnelerlals and I,. CMI 8XCCNldI1&,IIOD.OO. Grantor WI! upon "qusll of Lender lurmh 10 lender ,lMllCIlltlllnll'lCIlI lalllfadory fa linda'
IhlIOrlnlDrClnandwIBP8VlheCOlllorsuahlmprovel'l'ltllll.
PROPI!RT\' DAMAGe INSIJ:IAf4CE. ",. 'allowing ptOVIslOnl ralalng IolnSurtnrI lilt PnlpGlt1a... 8 pITt or INs MortgIga.
Mslnl'f\lInCllofTn,ul'Ilnce. BranrOrsWprOClI".lnd'rnalnlalnpollaluorIlreIneUt'llncaWllhllandlrdfiXl8nckldclJl/8nlgsllndOlSln'llln"01t8
"","Clmanl balIa lor the U In~'" CMr!ng IIImprowmeI!ll on the Rill PfDII8liY In.n amaliJillQllldanllo IVlilId II1'PRcllon of.ny
calnsural'lC'CllIUSe, ",nd wllh 1IIIndJrd mar!gq.. aIIUllln rawr orLtl'Idllf. Pafhll8j IIIiIII M WfIIIell'bv.UDIt 1,,11I. aorilplQurid In such
1000m u mar b, rellOnablr acceplable 10 Ltndlr. BNnllW ,hat d8llvlr 10 ltndlr cerl/IIcel81 or Cavtfltl' irOm IIlIch INurw oonlalnlng I
lIIpu18non thai ClMr.ge WlI nlll b. cancelJed Of dlnitllshed wlIhout .m"mum 01 fen(lot.. pIIar,wdI_ naIIce 10 Lender.nd nolllOlllalnlnv
8nr dIIcIalmll' af Ih, 'nlllfGfs 1IIbUI" for rallU18lo gIV8 SUCh nab. Should 1M AealI'roptrl)' 611'" Blllllbiaorne IDCllld In an 11M dtIl;naled
vt Ute DlT8cIor oJ \he hdItal c~ ManI;imIn\ Aaenar. as I spec1I1 ftood hIZIid 'reI. GrBn\Or __.to dMIn Ind msInl11rl Fldn
Rood 111IUIlIIICI, la IhI "anlauch IllIUfInoe Is raqulrad IIId Is or bBGOmllI .vaOabIt. hlr IhIIerm 01 IhI IVan and rar lhe hili unpaid prlllCllpal
balanCl or IheIOlln. f:I( lhe mulmum ImII al ClWttllltlhalla avallablB, WhIahmIr " leM. .
AppUcllhln 01 PrDCeed.. Onlnlar lhall promplfy nDIfy ~der of In)' 1m or dalMP I, Ihe ~ut=' n lhe "mllld CCIII 01 "'Pllr lll'
rOflIU.manl.Mc.... .5IIO,ao. Len_ mar lTIlIke proof 01 IoN "Gra, nlor """to dO so WIthIn IIneen (~,S'l II ',...., 0I1U111r. Whellt!lr or not
Lanclllr'a 11CUrI"lalmp.....d.Lendlll'mlI)'.llll!IlIacIan,applylhe pl'CICHlfIlolha~noflhlllYicfW:lll n...,~n1,afenrllanlllloUnll
Iht Ptoperly. or lhe J8l1orJlllanand l'fIPIII'cllhtProptrty. II Ltndar altcll, 10.mrlhltP\'OGllidslortilOril,on ...d., rr,GnlnlarshII AIptlror
l'lIp!a&l8 Ihe damagacl ar dnlrorMllrnpnwell1llnllln a .,.nnlll"'SllIIIllclQrY to J.lnrm; t.ltldIf aftdIIr uplift iilllllatorv praOl ,or 1UOh.lilXPlnd(tvre,
pi' fit relmblll'H GrllnlOl' !ram !hi Pfl'CItdt far Ihl rfISOnlblll ClOIl of repair or riiIl~n R Grlnkir..Ji 11OI:.In iiIlil...,."',un.... Any pmcatdJ
wlllclt haw nal b..n dI!Iburud w1lh1n 110 dlr, aIItr ',,*rK8Ipl.lnctwfllCtl LlndIr has ""I CDmmllled to Uiiripslr .'rtllOnillDn oIlhe PnIpeflr
ahull be usad nral 10 pay Iny .moun! owing a Land1lr under IhIs MarlgBQll. Ihln to pnrper iccrulld lnlll1i~, and lhe rtmidnder. " any. Ihlll be
eppllecllO thl prinCIpal balance or tflu lndeblednm. lIunder halds anr proc;ri.ds anar paymenlln fUll of Ihu IndibllJdneSl, Iual'l pl'OClI8dS 1111"
be.,aldlaGrenlar.
Unuplred Ill$\lrenc. II Slle. Anyun~lnsuranC8shunlnur1lol"'b,nblllaf.lndPlSllIo, thl~..aIIhOPrOpartycov8r8dbylhls
MarlgB;t al.ny ltusllle'$ saI. ar alhllrsala bald underlhe prallllllona or IhIs MiH1;qe, alii 8nrfDnlClollnille Dr IUCh Prapm,.
COmpllllllCt wllh !ll:.Un, Indl!blednll$, During IhI. period In which I'" ExIsIIgg IndDblldnllll dtscrIbltd IIiIIow " In oIftaI. GOnlJInBrlCll' wIIh lhe
Insurlnct provIsfans ~laInld "tha InslrumanlllVkllnc!ng such EIlIslIna lncfebIednus shan consmuti campRl_ WIth lhe IllSUIInat proYIsIons
under lhla MGffgIQI, 10 lhe exI8rll camplanc, w1Ih llIII.lari'lll of Ihls MdrlgaD8 would consm. . dupllal1kln 01 ....LlfIIlCllreQubmanl. If all)'
prGClCtBds lram lhG milllttll101 bllcoITIII PQable DIle. lha r.I'OIItIIOftIln \'nb Marlgage I1Ir cJWIon of pl1lCiedl lhall eJlp" onlr 10 \hal parlin 01
Iha pfOCll". nol p.yabI&1o Ihl hald.. ollha EllIaUng Indab Idnau. .
EXPENOIT\lRES 8Y LENDER. II GrlnIot III1e 10 aomplyWllh anr ~ 01 IhIa MOIlgIDIt. hiclUdInO' Iny abIlplJan 10 malnlaln EldsI1l'l11lndablBdna8s
In lilliII' slalllllnV II requlrad bllow. arll an' ICOan or prac..d1na IScommel'lClld lhl! wollld mlIlell~ 1IIftc1.Lindllr'alnlamllln IhI Prop....... Lender
on Grenln bohall m.,.. blllahall not bl required 10, Ia~ anrIlllIOlllf!all.tTlder delIms iDpproprlali. ArrJ ..n1-lhal unllerlllRtnds In ID doing wRI
bllll' Inltrtl.lallhe rail chlrged under the CtedII AuF8llmlfll from (he dal, IncUll'td or plld by Ltllder ro In. dMt 01 rliplVJllllN. by Granlar. Nt IlIllIl
allp81'l11S, a\ l.ndlr's oplJOn, w1ll tal be plya'ola on ,.......,0. (b) be Ideled to Ih. balln,a, at'lhI creJll'lIl,'.... bO~...., ned, Imang nd be
PIl)'llbl'W1lh 111)' InsllllmBnl pmyrnsnls to b8ClInlll dul durlna 9llher (I) Iht Ierm 01.11)' a_abrt I.-uranoi pOIIoy or Ih9 remlJl!llnD linn Of Iha
Crad.ll A;tBIll'llBnI, or (cl bo I1u.lld U I baIIaon plymDlll whloh wll be dUlllnd P~'. Illht CmdD ACIril1n1,n1'8 mal 11. This Martglp _ will
SDCIll1 plymetll at theso ,mollnll. Th, r1ghls provided lar In IhIs plrall'raph lllaII bt lit IddIIIon 10 Iny <<hill' "'''" or 1ft)' rlm.dIn 10 whlah Under
"'jmlY b. ,nUlled on &Caounl 01100 daleulL A", such acOon by Lendlr Ihan 1'101 be OlIns\rUld II curlnv thD dereull. II to bar lenctar rtam al\)' remedy
g lh/ll II oIlH1rw1s1 waulII' haw had.
~ WARRANTY; DEFENSE OF-mi.E. The fa1IowIng plav!llona ,ol8Ung to OWRllrsl'lJp ol\lla PRlpartyanil 8 pari OflhJs MarllI'lIe.
Io-lo Tille. GrenlGl w8l'flnll thai: ea) Gr.nlor holds BOllII' IUId melk81.bkJ IllIa aI racord 10 the Pro,*" In fea s1mpla. h8t and elm 01 .n liens Ind
o DnClI'mbl'llnCUI alltar Ihan Ihase aellarlh In !he Rear PnIperly dascrlpKor! or In 1"- Exlsllnll' IncfrablsdnetS llicUan balow or In In)' U1Ia InsIl1llIlCll
I" PolIar.!1\I8 I'lIpart, or Ilnal Illle oplnllHllAued In 1e\lOl.of, Ind'llICap1licl br.lIndur In Glrlnac!lllh wtlh IhII Mortg8lla, ami (b) GranlGl hu the M
~ righi, power. Ind aUlhorl" 10~Gulelilnd daIlv8r Ihls "'orIUII9IIo L.nd....
r.~ OellnH 0.1 Tille. SUI$d Io.Itte ~ lR"" partgtl"Ph ablMo Qmnlar WIl'l&l\Ia,llI-d vtIllartvar d01ml the llUo.la 1M PraIJIIty qo.\nlI the
tawlul clalRlS of an psrsons. In the sVlnll1\)' aallan ar proceldlng II cammlnlltd Ihsl qUIlSUont Granlor'$ tills ar Iha Inknll aI LandGr Willet this
I\:l MllIfgsgo, Granlar ahall dBllnd Ihl ulID1l II SrenlalB expense. Granlor mar be Ihll namlnDl PI'" In IUGh prac:eedlnll', bill Lender shall be
ee enllllad 10 pllrllclp.f8 In Ihl prOGeBdlna and 10 be repr91anlsd In Ihl pfOllfsdlng by coulll9l alltnd'sr't awn ahohlIJ, and Grantor wta doIIvor. or
l:Q GaUSI 10 be dallvered.lo lender aUCh lnslrUmenll II .Lender mar taquasllram lime to Itms Ia psrml'such part!l:lpultan.
ComplllmCB Wllh l.awl. Grantor warmnlll 11'111 \hB Prapatly Ind G/lInlor's use 01 Ihl Property COl'IIpIIes with 1I~ IXIsll"" appllc.ble IIWI.
Old\naI1CP,Bndregu\t.IIOTl501QtW)1mnen1ll\w\htI!\\\a$.
EXISTING INDEBTEDNESS. Ttla Iallowlng pravlslons conternlng fWsJlnlllndebledn~ (lha "Existing Indl\JladnllSl") Ii'll a pdrl 01 Ihls Morlll_lIa.
ExlsUnll Lien. Tha lien 01 Ihls Marlgage sscurlng Ih8 Indeblednm mar ba secandalY Ind Inferior 10 an 9lds11ng lien. GrGnlar eMpl'8lS1y
coveMnlslndsllrlHlslopay.OtSllII"Ihaparmlnlol,IheEMlsllnlJlndDbladnsssandloprBllllnlenrdBI.ullanslIlIhlndabladness..nvdalaull
_J,_.....~~.
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MORTGAGE
(ConUnued)
Page 4
~I
,~
....
8
under Ihllnslrumanls Il/Idlnclng IUtllI IndebladnllSS, or anr delallll undll' anr IllCIlMIly dClCUmlnll ror SUCh Indllbl8dnesl.
No Modlllclllan. Granlar.hat nalenlBr Into lAy alJf8lmanl wllh IhR haldar oJ a~ morIaave or oIlIer.lIOWUr tgrHmenl wttIch IIA pdllllly ftWIt
I"" MGltgap b1 which IhIlagr&llmllllls modified. Ilmandad, ~8d, 01' ftftllWN 'MlhouI the pdaI wdllen CC1tl111n1 ollandlr. Granlor_hIII
naIIhllfr&qlllllnoracoepl'nrluSlIAIadvenc8sundwanrsuahllllllllltylCl""""nlv.tlhaullhepllol'wrlIlenc:;onsanlofLencflr.
CONDEMNATION."The fOllowl"" pt"""GIIS ,*Ung IaGllndemnallan DIIM Praparty.. .pll'l oIlhls MorIgage.
,. Applloll1an or NlI'rocud.. 1111II ClI an>>' aM.t c1ltta PnlI:lIIIr II IIlllldimntld b)' 'ndnlnl domIIn afGCt8dlpp ClI !IV lIIIt' PI'DCIlIlInD or purcI\asI
In.au of c:ondl"'....Gll.Lendlt lIIlYatlll_lIonftquRIhll11II Ol'lnrplldlon GfIM Mlp_dlallhtaward" appllH III IheT~crneu
ClI 1M n1"" fIt"f8SlfItaIIan or lhI~, lht ntI ptOCMdI 01 IllllWard IhaI ftIIIll "" lWUCI.ftar plJIMftI of "" a:otual COI"'IDtIJI1IIGI, Ind
_~_lnc:l,tn'lClbyLendwlnconntctlo"Wl\hIMGOndem",UDn. .
PrOGllecllnp. II any pl'OllHdl1lilln condemfllllon Ia 1114d, Branlat lIhd promp\!f nalIfy LlJldIr In wrtlllII, IDd GranIor .... PfOlIIPIIr IakI sucll
S.1I1 mlyba nlClOlSllYla dIIIII1d lh8acUan .ndablalnlhll.wucL QnnlCll...ybllht IHIlIINIpertylnlUllhpioc:eedna,buIiM1dlrlh8llbe
enIhd 10 paillctpale In lbe proclMIclng and lobe nrrpraHnlDclln lhe pnlGDIIdll\l broou.... of III own ch_1nd Bt8n1or WI. dIIMIt or ClUl8Io
bedalMtrad IoLsndersuchlnaJrumenllalllllrbt"RIqUlllledbrlrromllrntlo,llma IDpetmIIluc:hpanlalpltion.
IMPOSITION OF TAXES. fEES AND CHARGES BY GOVERNMEHtAL AUTHORmes. ThllolloWlng pIOVIsIonll reIaIIng 10 govemmllnlllllax8J, 111I
enclcll1tlfl1lf8apaltoJ1lI/sMOllgIg5
CUmlnl T..... Fell lNld Cbltgel. Upon raquasi br LendlIr. Grantor wI uegullt IUlltI docUmlnls 1ft addIlIon 10 lhlt MorIQqIlnd tiki
WbBleVllr 01,* IOlIoft Is l'lIqunlld by LlndBl' 10 pIIfflOllnd CJOnIInllll Llnder'lllIn on the A. Prapen,.: Graf!ll1"'haI Allmbune LmIIr lor II
IBQI, II cluldIld bIIaw,lag&Ilw wllh.. expanns Incllmld In NOOldIng. p~ at conInulno lhIs MorIgI!ll',lncIulllnll wHhotd 1mlIa1lcn..
tun, -. doc:umlnlafy'llIqJI. and oIhlrchlruDli!Or ItICGfdlng or regillll'1ng thII MOdgap.
Tues. 1ba IDlDwlno .h1111 oonaIIlutI eu.llo which \his 1101I~n appllu! tal a sgecIIIc IlK WJOIl Ddllype of NClflClIII8 ClI upon all or a~ IMIt aI
IIlI Indebllldnel MCIQd-byltlll MorIPIJ8l (b) a spdc IIIe on Gtenlor WNcb _Alor lIaUlhod.d ClI feQuIt&d eo dlduollrflm paymlnlI on IhI
IndllI'-dIlDSS IlICIIred by Ib" IrPf of Morlga9l; (cl a IIIl on IhIIIWM 01 MOftgagI ohqeeID qllnst lhe LlncIIr or IhI hGldIr alllIe CredO
Agreellll1ll; and (d)aspaclllD lu:-on III ClIall)' patlJon Of IhIlndebl8clness lII" on pevmanls 01 ptInclpal and InIar8st mad. by GIanIw",
S\lUeqU8flI TIllI.. II an>>' '1.10 wl\ll:h IlllS 86CIIon Ilf:IpIles" af!ld8d luttsllqUlnJ 10 the dale 01 ~ Morlpge, lJlIIllV8n1 Ihd hlwlhe SlllIlI
,II,et II In EtJlAl 01 DIIIIlIt (II dlllnld~etow), and Linder lIII' IllI1dH III)' ClIIII oflla /llllllable Rlm._1or an Evenl albehWll u ptGvhIlId
bBlcw unless Gf.n111t e11111r (e) pays lhe tax"b&lore II bGCCmII delnquanl, Of lb) CfInlasls 1.... lax u pravIdId above In IhI T_ anet Us",
$&CUon and deposits wllh LendwCUh or a lulllclenl corporala lilrlIly bond 01 oIher allOl.llllylllblacfoly Io'LInder.
SECURITY AGREEMENT; FINANCIHG STATEMENTS. TtID following pro\/lsllllll. rulallng 10 Ihls MOt!gallllllla ucurllr IIIftl8lIlIIlIIllI'e a pII1 all!lIa
MOrlglll8.
Securl" Agtllmenl. Thla Ifqllrumenllhallcotlllllute e secufitr lOf88l'IIenllo IhI aXieallnrollhl ProperlyoONUiUlfl /bcIures ClI oIh81plf5Ollll
properly, and Llnpgr slid have all of IhIl1ghll 011 UCVI&d plf1V undllr!he Unllorm Commet'Cllll COde.. amandfld (rom Ume 10 IhnI.
ieCu,lly Inllfell. Upon requesl br Land&r, O,anlCll ahall IIIC:Id8 lnanclng slelemanlt and lake whatever other lICIIian" l'ICI\IlIIIGd br lanctar III
perllCllnd ConUAlII L.ender't I8l1\1f1tr ,"Iennlln Ih5 RenIIand Petsonal f'topeltr. In addIIfon 10 recorcUng IhI$,Mol1gl;e In IhI fNI ptopllfir
,aeorda, Lender mllV, 1.1 IfIJ 1Ima and w1lhoul flHlhef lIulh01iJalfon from Gllnlor, m. exeoulld oounlllrp., CGpkla ClI rtpfOducllons or \hII
Mofiglge II e nnanCllIII a1llemenl. Granlor ahaa ,t1mbWl8 Lender fol' III exp8nsea InourrecI In plrkK:un; ClI canlJnulng IhlllIOwIIv InIernl.
Upon defllII\ Orlnlar shall aM8l'IIblalhe PelIond Property In a lMRNIll.lKlala pleu ftIISOlIIblV CflflVlnIInllo GlItIIar.nd LandIr IfId fIIIIIel
eVilhallle III Lender wllhln IIvH C3) 0)'1 aIIer recelpl oJ wrIllen demand frl1fll Lender.1AddrelUs., TI'lI ll\llIUIl\I addfouD- oI"Granlor (dlblor) and I.MIder (soclnd Plrt>>. fr;m whlllh lnlormaUon ~'" IhI ...1IfIly Inlnsl
lI,anted br I" Morlgella ml'.... Dblalll8d leaah III required bV Ihl Uniform Comlfll.lClal Cadit, eNllIslaltcl an Iha lInIl Pilla oIlHI MorIa.
FURTHER ASSURANCES; ATTOANEY-IN~FACT. The follDWln1l prcMelaRJ r818l1ng 10 IurIher ....ur.l'lC8lI and allamuv-fn-llclllAl a part af IhIII
MariglllJ&.
Furlher Aa&Ilr8l'lCe5. AI all)' lime, and from lima III Ume, upon raquHl 01 Lenclel', Grant<< will make, ItlI8CUI8 and !iIl\Vllt, or WI CI!lIIIIo be
made, exllCUled or dlllven1d, 10 Landlr at '10 Lender'll deslgnl" end When raquulad by' Lender, cause 10 be 1IIId, ftlCOtdld. felled, "
Ill"lOotded, 0lI theeasl may-be. ..lauoh UmII....d In luch.ollcel and pllC81U...lllllrnuwdll8mapproprlala, a,., and aI'IICIt mor!galllll.
dooda oIlrua~ s~ dudl, II8llUfIIy allrellll\lllll.lfnanclna atalemllllt. COIlIInualon l!alllllirdl, INIruinMIs!_IurtIw~C8ItIJIcal8I.
and C11h8r dDllwnenlt IS may, In lhlI $018 eplnlon DI LeI'lllllr, be necessary ot dHlrable In Older'", alIeatuall!:. GOIllPI&ID. perIeoI. canllnul, or
P'8SllMl III Ihl ohIIQaIIw 01 GranIoI undar the Ct8d11 Agreell18n1, lhII MarIQa;Q8,.Ad lilt RelalBl;l,DaGulllln\l.1IIlf (b) IhD IInIlllId MOUriI)'
lnlllHII craalad b)' IhIs MorIgaga en the Praparly, whiIhBI:now 0W0Bd Ill' htMfItr llCqulrad by a..ntat. UIlIIq prohlbRed br raw OIaQt8lClIO
ltII conllUy lIylenderln w1IIJng, O.-nlar sh811 relmbUl'H Lender tor II COils end expamn ~d In c:aMlICI1on wllh!hl mallets Rfefred 10 In
llllsplfegraph. . "
Allomeyooln-focl. II Grantor fills to ao anr oJ Ih, Ihll'IDIlIlsned 10 In \he pRlG8dIng pmgrapll, laRder may 1:10 so lor and In ... ftIIIlI 01
Granlar andlll3ranlon expensa. Fa sUCh purpOHl, Oranlllt hereby Irrevocably appolnls Landlr IS Gl'InlOfl aJIorney.-tn.-1IoI f.ar 111I p~
of making, 8Xecullng, dellvetlno, nllng, raconllng, and doing all other IhIngs lIS 1lI1' b. ntlll8IlIIBrr ot daalrlbla. In Lender'1 sail opinion, to
accllmpllsh Ihllllllllnl rare",d 10 In the plllC8d1ng paragraph.
FlU PERFORMANCE. II Gl'anlor para dllle Indabl8dness when due, IlUlIIInatn Ibecf&llll Uno aocounI, and oIhG~ pelfonna aJ lht otIl\ga11ans
Imposed upon GranIot undIllhIs ~rIIIllI" LlnderlhaD llXllCulB and dlI/MIr 10 Granlor uUllable IIl1Sfaa\llln at lhll Mllltgaga Ind Iullabla tlelemanla
of lefmlnalJon 01 IIl1 llnanclno Stallman! on OIa avfdanclng Llndel"s IBC..u, lnIereslln.lht Renl. and lhe Per.lond Propurt;. GranlOI will par, II
plrmllted br Dpplclllllelew, aRr rellonabla larmlnalfon fH IS da1llimlnad br Lande' from lime 10 UIlllt.
DEFAt.LT. Eec:h 01 Ihe lolIoWlng,allhB oj:ldoq alLendDl'", Ihall consll1ula en llVentol dellull~nl of DeIeuII") undllr IhIa MorlgIQlI (alO,anl<<
oommlls hud or mIkes. R\lllerlal mllflpreaenlaUon al all)' 8mB In connec1lan wOh 1118 ored\llll18 ac:Gounl. ThIs 'can Ind. lor allll/IlIIle, a laIIo
slalemenl abllu! Gnnlor'li Inoome, UI.., lIBbnlllu, or enr 01t\81 ..spllCll: oIGranlcr'lllnanclll conDo., (b), Gran~,cfOGs nol meellhe ntplIrmeI
larll'lto.llhICl'8d1lnallCllOllnt.(o)Granlo"I8CdonorllllCllona~aJlecblhac:OIIa1aralforlhtcrQdl1l1nlrlOllOunlotLendDr'lllahlalnlht
collal8raL ThlI.. fnOluda, lor Illampl8, failure 10 malnlalo reqwad Il'lIu1811CB, Willa ClI dallrvc:llve UII. ollht iIw8IIng, fdlm to par IDII. iJeath 01 d
petsOtlllllblt an lb. acoOUnl, lranallr of ~1Io or HIa Of lhe dwtI_IIQ, Qraallan 01. Ren on Ihl dwelling without LInd.... permlUlon,lotaclIoIure by Oil
holderolenoll\llrhll,ClIlhtUSl 01 lunds or Ihlt dWelling lor prohIbll.d purposn,
RIGHTS AHD AEM'EDfES ON DEFALLT, Upon Ihe OQCUrrllnc& allny Ellenl of DafauM and 11.1 anr Um. IhDfaaflar,landef, II lis opUori, mer "Itelse
.nrantormcnlollheloflo~lIr1ghlsandtllmadles,lnaddlUonICllUlYoIhlll't1ghllorretlllldlnpfOllldedbrllW:
Ac:eelllrale IndllblednUl. Subject 10 Ippllcable law, Lendlf Ihall haVllht rlghl II lis opUOn wllhout hlIlloo III GranlClllo dec:lall _Ihs enUre
IndDblDdnna Immedlalsly dUll end payable.
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MORTGAGE
(CanUnlJed)
Ploe 6
>I
'"
'"
uce Remedll.. WI!" respectlD aH or an, pari Dr 1118 PtrsOrllll Properly, L.onder IlhaJ IIaV8 11I1118 riah1l end .....dlQ of IIeO\If8CI 1M'" UrId1r
Ihll Unllarm Camt1\8ldal Code.
CoIIIlC1Rl1n'" LI,_' 1h81...V&fherlglll.wllhDlllnDllceIO..ntor,IoIaklPOllftllon,........., ..., IndcallClcllh1i, .......'9.......
pm clue and UI\PlIId. .net IPplpU. 11I1 PlOCH" lW8I' Ind Ibav8 lAnc:Iln..... anlAIII Chi 'ndilblldnelt. In furlhnllllt at IhIs IMdIr
may raquIN .ny.1wnanI orolhH URr oJ lha PfapllrlJ' III "'Ilk, paymenll aI"'" _UN &ei dlJlctlrIDLMfIf. 111M R8n!1...oaIIIoIBlf LtJI.,."
than GwlIor-lrrIYocIbIV _1'IlI8I LlIndsr U Grltllor't-allllmllY'"ln-facI .. endlllM h1RIlrM.'... '" ~"'_1MraaI In 1.. Mmt llI'
Grtnlar .n. to nlQalllle fhe AIIIf Ind GClIICIlhl PfClllIIIdI. Parnms brllflllnll <<01'* uunio........ln .........Ioltndlr'l dllIIIftd ahIl1
51,"'" obIpflDRlIor whlch "" pllYflllflll... made, whilhw or ftQI any Pl'OJl'I' QJCIlB'IdIIciI' "" dImInd allied. under fII8'J'__1Is
rfahltundllrUlfallJbpn!P8Phellharfnptl'SDn,byagenI.Ol'lt\fouoh.ftlaIver.
AppaInI FleeelVer. Lend., shal hIVe Ihll flghllp lIIVIa JIC'" ~ 10 I&kI pDSSaSlon 0111 or~jlI"" oIltilI PropeItr, WIIh Ihe POWIt III
ptO\'ad~"""""""Ptopaf)I.kI"""Pmpertfpt8l:8lllrJf~I'I-..tnd:"ooIIIcIIMAelJ/lhmlll8~WqpJfnr.
plOOlltdl. IMf and IbM I'" toll 011" flIllIlwrsMp, qllnsllh8 Indebl:idnesL llIe_ NDIIvIr m..,..rn wRhoul bcmd H pllmlltIed br law.
lInd8r'1i lIghllo lt1t appalnlrMnl 01 . nllllIIvar INI lid_I wtIIIhIIr or. nof lha _"".,.,.nl vaIuo of Iht Prop'" tIXlllled. lhlllndlblldNU by .
sUblllnPlllITIDunI. Em,oIaJmInl b1' Lenuar an npl dJqudJr 8parsDJ'l frOmftlWlt... JIIODJm.
Judlcl81 F:arllCloaU,.. lIlnd8l' may obtain 11udll:II.'''' fOf1lCIDSIng ChnIor'llnllresllntll or I","'" oflh.. Propm,.
Po_Alon at Ihlt Prop...,. For IhB purpan 01 proclllfng pDlUulan 01 thB Properly, ,GrlinlQr~.vIhorIms end BmpllW8rIl", aIIllFf1BJ' Dl
Itn)' court of AICllJd In Iht Commonw8IIIll 01 Pllnnsylvlnll DI'~ U InGmltylarLendu 1Rl:I..',.....,. c11!m1ng undlll' or thraugtl Llhd8r,
10 algn In IlII1l8manl far'lnlerlng In Iny ClllllpEllerllCOIIrt an.rnlcab!e IClkm In ejDcImenl ror,PlIIHllklnor"" PfoDutr."d Illlf)plllr fe, Ind
COnflllljudaIMnllllltllll1 Grlnllll'. Ind IIQllltllllll,DftDns dIImIna IImhll' or IIIrough Granlor.lcr.,. I8ll!WlHY by lIniJer of pll!S1lBon oIlha
Prcp..,.W1ihaul Inysl..,OIP8CUllon, Iarwlllcll hM~. DI' I cop, oIlhIIi Mo"'.~,bV.Illdt.II\I, stIid1be llIflllchml W4lflnI; Itnd
IherltlfPCln It will or pOlIsesslcn mlY btlslUtd fol1lwotlh, W1lhOUll!lnv pilar writ 01' PI'OCltldlIlll WhaII!lomir.
NonJud1clJl S... Hp<<m'IINed by ~"W.lendu mq IontdoIe Gnsn!ar't rntereIlltr 1/1 <<'In olIny put of'" Patsotrsl Propfityor ,,",Reel
Property by nonJUdlcllIII MI8. .
DlftcllnCIV JUdllllllnL LInder mil)' oblaln . JuqmenJ lar Ill)' denck!ll'lC)' remabllng In IhD In'lhlblednns due kllander Itllm lIP>>DE8IIon III 811
Illlounlsl'8Cll!va!ram Ill, exmIH oIl"'''ghts pl'Ol/ldld In INllIllCl1on.
Telllllil, 81 Sulfel1lnce, II GllInlur IlIlIIIllnl In pO$HUlan at Ih. PIOpert)' llofler ,hit PfDperly II IOId BI prll'lldud abaY8 Ill' Lendltr oIttDlwIse
~enllllldlct~oI'ItI'/'roJrftft'/IpOIIdIlqliflalar.nfllr,Granklts,.",__.IoncnI.,IftIlenII1Il8'Ofl."..(I(/lleplll'GhllcerGl'
,tie Praperly llonllllhlft, II Lend8r's apllall, ellhll, (I) PI, . reuonable fUnlll 'or IhB ula oIllIe Prop"". (I( (b) vac"llhB Prop'" Imll'l8dll.le'V
llllanlhaclBlnIndolLencfer.
Olher Remedlfl.ll. LInder shIll have all olher Ilghls 11\1I fsmlldlBt provtdad In this Mortglgl or I'" Credll Agrll8mBnl at IIVl11lllbll II law OJ' I"
Iqully.
SfJ2ll1lh.Ptr/peftt. to""'...lsnlpI1mJl"dbJ'~!aw.GranJDrfNrqb'waMa4ll)'4ndlllrlplJll(JhQvslMproperfymatlhalllH:t. In
htIrollJlnv"' rlgIlII.nd rlm.tIn. lIInder ,h.ft b. II1Ie. 10 sill III III' Iny pert 011'" Proplll1y logllhsr or SDllaralaly, In OAll lOll lII' bV 5lI1W11e
SlIIlls. Linder IfIIIl be Inllllld lobJdlla",pubWlsallonalOl'uyporllonofllllPlopertr.
Hallce at SOle. landar .h&ll glw Gramor fGlsqnlbr. noIIce at 11m nihil and placs at .11)' pUllIID SRIlI fA III. PwsOllllI Propsr1y or of IIle Ume llotllr
whlcl1 any ,,"VIle !lIII or clheT InllncIQd dlspllSlIon of Ih8 hBDneI PnIplll'ty,111o be mlde. Url!Im oIharwlH IfIqulrad by aplJllcable law,
Illuonable nallcft shllll mllln nob glven.1 "lISllen (to) dlVll blTol8lhe Urn. Of Ihl HIt 01 d1ssmlllon.
Waiver, EIRllon Dr Flllmedl... A WI"'r by IIlJ plrtv of, e bl'lllclt or I provision oIlhIs Martvaa. ihDII not llOna~lultt . wehmr 01 or pr'ludlcB Itnr
Plrt(sl1gh!llolhtIrWIse1odlllllnc!,trlclcampnll'llllwlllllhllolplOVblanar.nvlllherptOVlslon. EJecI!onby~derlOpumtlllnrrflmllCfJ''''lInol
nd_ plmll.llll any olIIM~, end an eJlClkln 10 nil"" 9lIp9IIdlhII'o tH liUaoBIm IoPelfOtm." tlN;t1hm of 0'1aPIhlt umfst 1hI. MMtqg
Inllf JIlIl.IfB 01 GfanlOl' 10 IIl1f1orrn IIte1I nollllllCl Landtr's ";hI I!, d_re I default and GII9IVI1.1Is IBl'MdIu tfn_1hIs MClftpge.
Allorneys' Fees; EJpen.... lIt.ulld..lnsUlullllal\f' SUllOI' Bellon 10 enlorcll-llnvoll"!IrmI oIlhIII Martaa;V. Uind.rallllll bllI1l1l1l1d 10 r&(IOVlIr
'uch surn lIS the court ma, adfudgB lIIuonab!e 8S 6fkImays" fDa. II IrllIlI'Id on any appear. WIIsther or nol .'!)' court acl!on fJ lnvafvad,.lI
rmonable OlpllJHS Inaunud bv Llndlt IhDI In Ltnder'l DPlnhm If' fIIllllluary at an-, time for Iht'Prol8CllllO Glllllntemt 01' lha ,nIon:trnanl or
III r1ahll IhI. become I plfl 01 lh.lndebllKlnPl_plyllb1.lll'1 dema"d and sh"_bB," Inli,ruI tram IhtJHIt ol-ilIvendIlUII unR repll~.r lhl
CrfId<< AgrflllMnlllll, EXplnIN 1I0Vt1'IJd b~ IH$ pa'l..ph In;lud.. vIlIhoIlf 1mIki.1Illl'1,- howtwr subJ8Cf Iii an,"mIII under 8ppIIlIsblr;t law,
l..nder'a IllfIml!)'l' leu Ind Llnde"l tegallIlqJlI\IIS whelh8r lll' nollhl_181l1 a Itwsutt, lnDlu_II~'_ _lor ba~ pl:GClldlngs
Onaludlng '""'" 10 madl" 01' vacall any aulom.11lI ,ley or InfuncVon), lIPJHlltlt Iltd II1V anDiIlpi~_P,oaI.oJUdOmllnl calh!lllUon terMciU.1M 0llI1 01
...reN'n" ,ecotell, oblalnlng lllli flJplllfj (lncf\Jdlng tOl8CfcsurB 1VParr.), '1fI'Y8rll1l' flIIIorfs, Ind QPfIlIl!lf ron, llnd UlI. Insurance, 10 ffll uIe1II
f)"mllled bV 1JI,:1Dcab111 lew. GYanlOl' .ISDW18 pay anyomf COllis, In Iddlllon 10 all alhersumi jmI\IIdiId by law.
NOTICES TO ORANTDA AND OTHSI PARTIES. Unl'm ~pm,jdeD by ~ IJIw, Inl" nDb IIJldIt IhIJ MOItpgIl"'" bedjflwJlllno and
Ihall b. .1IerI\1\11 when mUln}' dIIllVored or,lI milled, shIM be dHmltl tItecI1vt When ~epGSnld In ""Undid SIaIBs-me1J lb5l daH, fqllleNd md,
~ 1 PlllIsgl prep.ld, dll'flllted !Q IIlllddresses ,hown near Ihe beginnIng OIlhls MDlfGIIP. Anr pIIty l'IIII}' cfI11lQl'11s BrJdmIil for l'tUn_ ulllSer IhIs
g: M~byGM",,~"Wrlllimllolfni"'lIIeolJllfparl/lll,~lhaIJhe.pvrpOs&OI""~"JodtR_lJ!ell91f1sl1htrm. AlJcl1018slll
~ noIll;ll5 of flirllclClll/l8!rom Iha hold", 01 UR)' I'Ierl which. has p"arIIr 0Y.8l' IhIs MortgiP.llond nollcis puISUInl ~ P8. c.s~ SDcIIon 8143. II seq..1hIII
t::: b. $BAllo L'ndl" Idclms, as shawn nail IhI begInning olllds MorIgBgG. Far noUcl pUrpllS98, Granfar qF9llS 10 klep Len.r Inlurmed allR Omes
0' DlGr&nlm",fCINT&llJadd1NS,
t" MISCaLANEQUS PFlOV1SIONS. Thelollawlng mISIl~DIl1 pYO\IIsIORI ,m I PI!l" oIlhls Morlg.gc
Amendm8RfI. nrIs Morftqt, kJgeIhtrwflhsn,Ft."""ODcunltnlJ, mwllMllS '''''enh ~'nd~ofllfgplrllsi'.1D lJls
malllll'l lit Ior\h In 11I11 MDrIg~lI" No IllBlIBon 01 or amendmenllo IhIs MOIfgIQI. ,hill blllDocllve 1Infe1s gI\'In In wllAng and sfallOll by Ihll
Plrt)' or plllles lIl1Ughlla bll c1mF\lIld or bound by I'" IItBr8non llI' amendmenl.
Appltcllbll LBw. TIlle MortOllDl hu bill" de/lVel'ed 10 Lrlnd.r Md accepled br .Lender In 1M ComrnanweaJIh .1 PetI"'f!vlnfl. llI'l
Mortgage ,11111 bl fIO'Ilmed by ImI CflnlllfUtd In acoonIlIIl" wIIh IhltllNl'ullll. CommoRWH11b olPennayl'tanla.
C.,IIo" HmfflIgs. c.p1lDn fIe8dInp rn I/t!I MarfOup IUS tar canvs~ purpcINJ only Inti M noIla bs uud 10 /nfIIprtI1JI" deh /hIJ
provlllIO'"IlIlhls MorIaalll,
Merger. TIllrg shaB bEl no lllUlDer ar Ihllnlernl or .1111 CIlII'ld by lhls Morlgage wllh Iny alher lnIerBsl fIf eslllllln IIlI PropllrlV IIIPI)' lima
hll1db,orlarlllebanellI0IlenderlnanycIlPllll1ir,wllhouIIllIWllI18ncons8~lolllmdlll'.
Mulllple PBrUu. All bbRgIllQIII 01 Granlor Undlr lhl5 MOIlll'ilIIulU bllalnlllnd SIlVera!, and IU reler8nc8s 10 Grlnlot shiH lYlHn eaoh Elnd
lIVlIry Gllmar. Th/:; muM lhallllch aflhe pll130nl sfgnlng blll'ow Is respol1llbfe (or 811 abfIg&lkrns /It /hit Morl;..
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MORTGAGE
(ConUnucd)
Pl:Ige 6
SevllrGllIlII1. sr a l:ourt 01 campotonl lur\$dll:Uan finds any provlskJl'I 01 lllll Y:CII1gIIge 10 b8 IIl'4Ird ar UMnlOJCOllblt u to any parwn Gl'
dJ'l:umlllne.. IlICtlllndlng Iihal' nol tsndellhll ptO.\IIsIon ItMlIId or ullllnlarcaablll GI ~ Ul)I OUIW smsonl at drcurmllncn. U IN:IlbIt. In)' such
atfllndlngprovlslon,lmIIb.~mtIdlolHomodlller:ltatJ,w1Lh1nll18lm1l1c1~llIvor1lddlly;~.1I1r..o6lndlnllprovllllNICl1'lnolbe
so mlldlltd, II shill be sll\dlsn ancllll clhorpravWonl ollhb MllflgIlIlI In all olhor rupocll.M11 rtIlNoln vdd and eNorcaItlll.
SUCCUlOQ and ~lgn.. SubJect 10 1M nmI\J.llons "llad In IhIs MOItQIge en 1tI,nsr.t of Gtanla(s IntaraI. thII Marigago ,W bt IlIndng upon
"enclltlw. to UM hUIIIRI of Ihcl pulloa.lhelr hlln. PIJIOIIIl IllJll1lAllla1klos. lueeostmand .$SIgns. II GWnal111l.:1 DlItIe PrllJll~ blIclaJ'na; vend
11\ a pot1on oIhar IMn Gratlttir, lAndai', wIDloul nab 10 Grardcr. mil' daI wllh Btanto(s sLJCCeU0f5 wilt. r.klrancllo Ulls Jdortllt;a Incllt\a
lndllbledno" by _y pl fOrtl~. Dr ll'~n wlIholl1l1ill1l11l'1Q Granlll4' Inlm Ole ablgalklM or INI Ma1QaQt or IIbl'" und... lhI
Indttllecfneu.
Tlmo IllotP,oea.enc... TI1I1lIlsolll1eoauancelnlbop""orlNfll>>olIllbM~.
Wd'lct'. and eonum.. Linear ahal r1Olbo ..mad 10 fl..... walvrld anI' rfghls un_thls UoriQ&<l~(CIf undcWlho RoIIlGcI ~bl UnlHS
luch w&lverlaltt II<<tIltlg and slgnod byLlndw. No dell)' or omtmcrl DIllhlopart ofLlmdotIn uarddng IlIl)' r\g.t.lsh&lI.ClperIllull W&hterol
lucll riglll 0( any olhltt rI;t1I. A. walYlr by UI1 p'~ oIa provl5lon of Ihlt Mor1gaQe shlllIGI comllIuIlIa waIwr Oll or ~ 1M PMY' rlghl
allluwlae 10 dramand IltIlcIcompKJriCI WIIh 111I1 prMlon <<alloW o\hal pl'OlllaSall. No ptIor\ll&llMrb,~, neJrUl)'OCIftoI C1rdN.lng~
LtlndOf'lnd GrlnlOr. shd CW1IlIlule a walvw or anr of LlnWllfQhll or any at Br~ otIlIga\lona .. to.ny fUI... nswdon.. WlIena\IIl'
COMtlnl by LtIl1dsr Is requlralf In Ih~ M0dg6g.. ItI, gt:Inllng of .uahc:allSlnl by l4t1c11r In 11II1' [l1IIanoo shall noIl;lOlIIIlhM CClnl\nulng OORMnllD
sWHqw'nllnmnca wnor..u:hconMnf f:I rcqtIrW.
EACH GRANTOR ACICNOWLa:lGES HAVING ReAD A.U. THE PROVISIONS OF llIIS MORTGA.Ge, AND SCft GRANTOR AGREES TO ITS
......S.
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CERTIFICATE OF ~eSIDENCE
I hllrtbl' c.ar1lti, l11111t11 procll8 DddrMs ollhllnOl1gagM. Forme,. Trust Cclmp~ny, h.,..ln Is III foIlgWS:
Ono Wesl HIgh ~I'D.I, ClI'lIal~, p~ 17013
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IVIDUAL ACKNOWLEDGMENT
SlATE OF'
195
By
Rlllldlnglt
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NlIl4ry ,.,."',.,~IQr.J,ij.':~li~7 ~':: .....?~. My commlulon explr..
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Cumb. Co.. P.. ... _____~.-' ~-._h ...,.:
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;ch.oI Dbl. Cumbo Co.. Pa.
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MADE THE I.) TIt da. .f M/lRCN-
0/ our Lord DIU' ,hOIllJflftd n..itlf' hundrrd eighty-rive (1985)
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BETWEEN IRA E. MELL and MABEL M. MELL, his wite, ot West
Pennsboro Townsh1p, C~mberland County. Pennsylvania,
hereinafter called
Gru.ntr'TS.
<<nd Ltm- E. VANASDLEN and SARA E. VANASDLEN, his w1fe, of
Carlls1e~ Cum~erla~d County, Pennsylvan1a, hereinafter
called
Gnude/! s :
WITNESSETH, that in tlfu18ideTdtiO'l1 0; Twenty-Nine Thousand Nine Hundred and
no/100-----------------------___ ($29,900.00 )--------.--------Dolla.."
ill ha.nd paid, the 1'flCript w"ereul is htlff"'U aeknolvledgf'd. ~he said grantors dfJ herf'by ura1lt
alld ron1'f"Y tlJ the said gf'fl.fltee S, their heirs ano acsigns as tenants by the
entireties
ALL that certain tract of land situated in Nt. Rock, Township of
West PennsDcrc, Count~ or cumberland and State of Pennsylvania,
bounded and described as tollows, to wit:
BEGINNING at a stone; thence by land formerly of Sara Danner,
now oC'Oren Kitzmiller, South 31 degrees East 1.1 perches to a
post; thence by land now or formerly of Floyd Bitner, South 85
degrees West 1.5 perches to an apple tree (blown down); thence by
land former.1.Y of Le'vi Failor, now of' 'Lelb Myers. South 16 1/4 d.egrees
West 20.3 perches to a post; thence by land rormerly of JOhn Seitz,
now ot Earl Tritt, North 14 desrees West 8.7 perches to a post;
thence by land formerly ot Lev1 Failor, now ot Earl Tritt, North
82 3/4 degrees East 25.5 perches to the Place ot BEGINNING.
CONTAINING one (1) acre and 70 perches, and having thereon erectsd
a two story brick house and outbu1ldings. LESS, HOWEVER, a p1ece
of' land 16 feet in width along the West aide ot the above tract;
&OOK)) 31 Plt.E 436
-
.
~~
.
containing 8.6 perches as the same 1s tully described 1n deed frnm
Caro11ne McKeehan to Abram Etter, dated June 13, 1916 and recorded
1n Deed Book ilL", Volume 8', Page 4q1.
BEINa the same property which Mabel M. .Hurley Mell..an!l Ira E. Mell,
her husband, granted and conveyed to Mabel M. Mell and Ira E. Mell,
her husband, Grantors herein, by deeo dated April 9th, 1956 and
recorded 1n the arrica of the Recorder of Deeds for Cumberland County,
Pennsylvania, 1n Deed Book "ell, Volume 17, Page 1.
ao~ 31 PAGE 437
.~
~.........,
.,
AND the 64ill ara'R~otB hl'rebll ClOVt!RG'Rt (1M llG'f'ee th4t theN
will WClmlnt generally the 7Jf'6pertu IIrrebv ClOt1v:r.lIed.
IN WITNES8 WHEREOF, said. grantors ha. ve heretmto 8rt
tA. tiny twd 1JfltU' first a1mvf' 11'riUen.
the1r handB and ~f'frt S
h~9udL.
..........IRA...if~...MELL.............................-............. e
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Stat.. "f
PENNSYLVANIA
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day.' J'-f tI.er.,..
, 19 85, bt/foTI' tne,
County flf CUI'IJSERLJ.ND
On tMs. the
8'''''
th.c "ndernllnf'd o/lir.P.,', 7Jl'T8"natlu (l,1J11earerl Ira F-. Mell and Mabel M. Mell,'
his wife,
j
kmnvn. 'f' me (or IlrUisfuctorl.l1/ 7/1YJ11cn) tu be tlu: 7JI!""ms whOlle name are ,,"""crlbed w till!
within i7l8tntment, l'&nd ooknfJtI,'edged that they executed BiZme fflr the PUt'ptJBBR tllf'rein
contained.
......."...........
...<:~):.iN.,~i:TI(ESS WHEREOF, I "'....t. ~,..>16 'm1'ffi~.
(l\~::;F ,:.::t' \. ,..::~:::~:::::::~::::=:=::::::=:::~:.:::::.:!:
..~..'O:.Q.;.<... ../ ....~.? CAlllISltB01IO.CUMSERlANDCt1UIITY Title of Offteer
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I dB Mreb'll ce'l'tify that the prui&, 1'eddence au complete poat o1Jice addres8
o/Uu within 'Aamed griZntees is Ro.8ax 'Jt. I ~. ~/701J .
MA~~:OO;'31 IAt! I:: .......~..if::~.f.............._...
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03/20/00 BON 12:18 FAX 570 628 9231
KEYSTONE COLLECTIONS
Wsto~e.~
Finanaa~
)
SlIIDti1S FoCORD
P.o.lIOX 1384
POlTSVIlJ.e. f'A 178el1
PI1ONE: 1ol1ll1l-GQH:lCl4
FAX: 717'-'
VIA CERTIFIED MAIL
NOTICE OF INTENTro FORECLOSEMORTGAGE
Mr. Lee E. Vanasdlem
P.O. Box 636
Carlisle, P A 17013-0636
The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your
pl'C)perty located at II Hill Road. Carlisi,. PA ] 7013, IS IN SERIOUS DEFAULT beca~ you have not
made the foUowiJIg monthly payments: $219.59 for Febtuary 10, 1999; $246.65 for ~ 10, 1999;
$246.65 for April 10, 1999; $2<16.65 for May 10,1999; $246.65 for June 10.1999; $246.65 forJllly 10,
1999; $246.65 for August 10. 1999; $246.65 for September 10. 1\l\l\l; $246.65 for Octoher 10. 1999; and
$246.65 for Nove/llber 10. 1 \l9Sl.
Date: December 9. 1999
Late charges (and other chlll'gCs) have also accmed to this date in the amount ono. The total
amount now requin:d to cure this default, or in other words. get caugl!t up in YOl!l' PllYlUents. as of the
date oftlrls letter, is $2.439.44.
You III4Y ClII'e this dejmllt within THIRTY (30) DAYS of th~ dote of this letter. by paying to us the
abuve amount of$2,439.44. plus an)' additional monthly payments and late chW'ges which 1M)' fall due
during this peripd. Such payment must be either by cash, cashier's check, certifiecl check or money
order. and made at Keystone Financial ~ N.A.. P.O. Box 1384, Pottsville, PA 17901.1384.
If you do not cure the default within THIRTY (30) DAYS. we intend to exen:iBe our right to
accelerate the mortgage payments. This meMS that whatever is owing on the original anlOllllt bonowed
will be consicleml due immediately and you may lose the chance to pay off the original mortpge in
monthly installMllIItB. IffUlI payment of the llIRount of default is lIot made within THIRTY (30) DAYS.
we also intend to instruct 01P' Q/forneys to start a lawsuit to foreclO$e your mortgaged property. q the
mortgap ;B foreclO$ed, your mortgaged property will be sold by the Sherlff to pay off the mortgage debt.
If we refer your case to our attorneys, but you cure the default before they begin legal proceedings
against you, you will still have to PllY the reasol18ble attorney's fees, actua1ly incurred, up to $50.00.
However. iflegal proceedings are started against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00. Any attorney's fees will be addecl to whatever you owe to us, which may
also include'our reasonable costs. q you cure the default within the thirty day period, you will I/ot be
required to pay attorney'sfees.
We may also sue you personally for the unpaid principal balance and all other SUMS due under the
mortgage.
".
03/20/00 HON 12:19 FAX 570 626 9231
KEYSTONE COLLECTIONS
~007
, >
NOTICE OF INTENT TO FORECLOSE l\lORTGAGE
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, ytJU :still have lite right to Cl/Te the default end prevent the sale (1411)1 time up to 0/11 MIl1' before
the Sherilfsforecl08JUe sale. You may do so by paying the total /BIIOWIt of the IIIIpaid _thly payments
plu8 4II)Ilate or other clu1rges then due, as well fl8 the reos01Ulble attomey'a fee8 0IId COllIS COIIIIfcted
with the jiJTeclosure :sale 0IId perform Ql/Y other require_Is under the mortgage. It is IlStimated that
the earliest date that the Sherift's .sale QOuld be held would be Febnuuy 9. 2000. A notice of the date of
the Shel'ifl's .sale will be sent to you before the sale. Of course, the IIJIlOWlt needed to cure the default
will increase the longer you wait. You JIIay find out at any time exactly what the requin:d payment will
be by calling us at the following number: (800) 895-9304. This payment JIIust. be in cash. ClI$hiet's check,
certified Qheck or mOlley order and made payable to us at the address stated above.
Y 011 should realize that a Sheriffs sale will CIId your ownership of the mortgaged property and your
right to mnain in it lfyou continue to live in the property after the Sherift's sale, a lawsuit could be
sIlIrted to lWiet you.
You have additional rights to help procect your interest in the property. YOU HAVE THE
RIGHT TO SELL mE l'ROPER.'I'Y TO OBl'AIN.MONEYTO PAY ()li'II THE MORTGAGE
DEBT. OR TO BORROW MONEY FROM ANOTHER.LENDlNG lNS'lTI'UTION TO PAY OFF
TBIS DEBT. YOU MAY HAVE TBE RIGHT TO SELL OR TRANsnR TBE PROPERTY
stl:B.JEC1 TO THE MORTGAGE TO A 1JU\'JtR OR ~REE WHO WILL ASSUME
THE MORTGAGE DEBT. PROWDED THAT ALL THE 01lT$TANDING PAYMENTS,
CHARGES, ANP ATl'O~Y'S RES AND COSTS ARE PAID PRIOR TO OR 41' TBE 8.UJi;
AMJ THAT THE OTHERllEQUlREMENTS UNDER TIlE MORTGAGE ARE UTISFIED.
CONTACTUIS TOD:E~ UNDER WllATCIR~srANcaTQ lUGBTlmGHT
EXIST. VOUIfAVETBElUGHTTOBAVETalSDEFAULTCUREDBY A TBlRDl"ARTY
ACTING ON YOUR BEHALF.
(fyQU cure the defaul,. the mor'gage will be l'B8,ored '0 ,he SQ1f/e position as ifno dejauft hod
occurred. However, you are not entitled to this right 10 cure your defilult more than three timllS in any
calendar year.
K.eystolwl Financial Bank, N.A.
/)1IJ). ~ . roJY
Mark A. Munster
Regional Supervisor
MAMldnn
>I~'
03/20/00 HON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
19J0ll
~one~
Financia~ ..)
Celllllell Article tJllmll&r
P "I71fi!"Ie '36
SE'JOERS R,CORO
P.o.IlllICI384
POrTSVILLI!, PI\ 17901
PHONE: I__
FAX: 717-628.f2ln
VIA CERTIFIED MAIL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Ms. Sara E. V8DBSdlem
P.O. Box636
Carlisle, PA 17013-0636
Date: December 9, 1999
The MORTGAGE held by I<.eystone Financial Bank, N.A.. (hcn:inafterwe, us or ours) 011 your
property 10000ted at II Hill Road, Carlisle, PA \7013, IS IN SERIOUS DEFAULT because you have not
made the following monthly paymen1S: $219.59 for February 10, J999; $246.65 for March 10, 1999;
$246.6$ for April 10, 1999j $246.65 for May 10, 1999; $246.65 for June 10, 1999; $246.6$ for July 10,
1999; $246,65 for August 10, 1999; $246.65 fur September la, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10,1999.
Late eharges (and other charges) have also aeorued to tIIis date in the amount anO. The total
lIIIIOunt now required to cure this default, or in other words, get caught up in your payments, as of the
daIl3 Of thi$ leiter, ill $2,439.44.
YOII may CIII'e this default within THIRTY (3D) DAYS of the date of this letter. by payi"g to lIS the
a/1ove amolUlt of$2.439-44. plus 01IJ' additirmal mo"thly payments and lat, ChargeiS which I1/Q)1 fall ~
chui1Ig this period. Sueh payment must be either by cash, cashiel's check, certified olaeck or money
order, and macleat Key$toneFinancial Bank, N.A., P.O. Box 1384, PotlsviUe,PA 17901-1384.
If you do not cure tile default within THIRTY (30) DA V8, we wend to exercise 0111' right to
accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed
will be oonsidered due immediately and you may lose tile chance to pay off the original mortgage in
monthly install~ts. Iffull payment of the amount of default is not made within THIRTY (30) DAYS,
we al/Jo interrd to i1llJtrllct 01J1' attorneys to start a lawsuit to foreclose )H)III' mortgaged Pl'Operty. Q'the
mortgage is foreclosed, yoll1' 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 the default before tIIey begin legal prlX'-~";ngs
asainst you, you will still have to par the reasonable attorney's fees, actually incurred, up to $50.00.
Howevel', if legal proceedings are started against yon, you will have to pay tile RliSOnable 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 th, default wilhirr the thirty day period, you win "ot be
required to pay attOl7ley'sfees.
We may also sue you personally for the unpaid principal balll/lcc and all otller sums due under the
mortgage.
~~ -
-
-
03/20/00 BON 12:21 FAX 570 828 9231
KEYSTONE COLLECTIONS
~012
-"
NOTICE OF IN'l'ENT TO FORECLOSE MORTGAGE
If you have not cured the default within the thirty day period and forecloswe pI'(KlClCdings have
begun, you slill have the righllo CU1'e ,he defaull and prevent the $41e at any time lip 10 one hour be/are
the Sheriff,/onel_e sale. Y 011 may d() so bypaying lhe lotal amDIIIIt o/the ""paid /IIDIJIhly payments
plus Dny late f!l' olhet c1Iarps then d1Je, as well as the reIlS01Iable oltomlfjl's fees and costs CDnrzectet/
with the foreclos/ll'e sale and pe1form any other r.reme1l1s under the mortgage. It is estimated that
the earliest: datil that the Sheriff's sale could be h!:ld would be Febnuuy 9, 2000. A notice of the date of
the Sheriff's sale will be sent to you before the sale. Of COIIISe, the lIlnount needed to cure Itbe default
will mcrease the longer you wait. You llIay !md out at any time examly what the required payment will
be by calling us at the following nwnber: (1100) 1195-9304. This payment llIust be in cash, C8$bier's check,
certified check or money order and made payable to us at the address stated above.
\' ou should reali7Je that a Sheriff's sale will end your oWllerSmp of the mortgaged property and your
right to remain in it. If you continue to live m the property after the Shetiff's sale, a lawsuit could be
started to evict you.
You have additional rights to help protec:t your interest in the property. YOU HAVE THE
RIGHT TO SELL TllEP}tOPERTY TO OBrAINMOlllEY.TO fAY OFF TIlE MORTGAGE
DEBT, OR TO BORROW MOlllEY l"ROM ANO'llIER LENDING INSTlTUI10N TOUY OFF
THIS DUT. YO. V MAy HA. VE THE RIGHT TO stLL OR TRANSRR TIlE PROPERTY
SUBJECT TO TBE MORTGAG~ TO A B~ OR TRANSFEREE WHO WILl. ASSUME
THE MORTG4GE DEBT, PROVIDED 1lI4T ALL TBE OUTSTANDING PAnB:NTS,
CJL\RGES, AND A1TORNEY'S FEES ANn ~OSTS AU PAlO PRIOr.. TO OR 4TTlIE SALE
AND TllA.T THE OTQEltREQl.TIREMENTS llNDER. THE MORTGAGE AU SAJ:W'lUJ.
CONTACT US TO DEntWlNE lJN]>ER ~TcraCVMSTANCEs THIS lUGlIT MIGllT
EXIST. YOU lIAVE THE RIGHT TO SA VE'I'$S DEF4ULT CVBED bY A THlRID P4RTY
ACTING QN YOUR BEHALF.
({YOII ~ lhe dtifault. the mongage will be restored 10 the same position os if1/() default hod
OCCII17'ed. However. you are not entitled to this right to cure your default more than three times in any
<:a1endar year.
Keystone Financial Bank, N.A.
~~.~
Mark .A. Munster
Regional Supervisor
MAMldnn
03/20/00 MON 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
~008
~one~
RnanCia~ ' ,
, ,.
P.D. BQJ( 1384
POTTSVILlE. '" 1700'
PHONE: 1-<<JO.oB95-9304
FAK: 71700628-92:31
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PBNNSYLVANJA'8 BOMEOWNER.'S EMERG:ENCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
1fyou need man: information call the Pcumylvauia Housiug FiuaDce AgCDe)' at
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECIIO A CO;NTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO
DE ESTANOTIFICACION OBTENGA UNA TRAillUCCION IMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA H;OUSING FINANCE AGENCY) SIN
CARGOS AL NlJMERO MENCIONADO ARRIBA. PUEDES SE ELEGWLE PARA UN
PRESTAMO POR EL PROG.RAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASADE LA
PERDIDA DELDERECHO A REDIIMIRSU HlPOTECA.
ACT 91 NOTICE
IMPORTANT, NOnCE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLlEASE READ THIS NOnCE.
YOU MAY BE EUGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
TO: Mr. LeeR Vanasdlem
P.O. Box 636
Carlisle,PA 17013-0636
FROM: KeystOne Financial Bank, N.A.
P.O. Box \384
Pottsville, PA 17901-1384
December 9, 1999
"",",, eXHIBIT.
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03/20/00 HON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
1aJ009
.
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" '
You may be eligible tor fioa~ ~ce that will preveut foreclosure on )'lIur mortgage
ilyon comply with the provisious ofth.;~ilQaeOwner" ~mergeaey Mortgage AssiItaace Act 011983
(the "Act"). Yon may be eligible tor eD:lel'geaey temporary assitfallce iryollr default Ihas been
eaulJed by eirellJllstanees be)'oJad )'Our ~ntru~,)'Ou have a reasollable prospect of resuming yoar
mortgage paymeaD, aad it you meetotl\ereligibDiCy requiremeats established by thelPeaaeyIvaDia
Housiag Fiaaaee ~eaey. Please read all of'tJlis aotiee. It euntains aD n:piauatioa ofyoar righe..
Under the Act, )'Ou are entitled to.. Jempotary stay of foreclosure on your mortgage for thirty
(30) days from the date of this Notice. Du~ng that time you must arrange and attend a "face.to-face"
meeting with a representative ofdUs lendef, or with a designated COnSumer credit counseling asency.
The purpose of this .meeting is to atlelllpt to WOJk out a repayment plan. or to otherwise settle your
delinquency. This meeting IIl\I$t (lOOur in the next thirty (30) days.
If you attend a face-to-fllCe meeting with this lender, or with a conswner credit counseUng
agency identified in this notice, no further Proceeding in mortgage foreclosure may take place for thirty
(30) days after the date of this meeting.
The name, address, and telephone number of our representatives are:
Mark A.. Munster
Regi~! Supervisor
One SOuth Centre Stn:et
Pottsvhle,PA 17901
(800)*95-9304, Bxt. 9373
The names and addresses of designated consumer credit coWJSeling agencies are:
CoJIsumer Credit Cow!seling
Service ofLehigb Valley, Ino.
3671 Crescent Co\lrt Bast
Whitehall, PA 111052
(610) 821-4011 or (800) 220-2733
from area codes (717), (570), or (814)
Commission on Economic
Opportunity ofLIIZeI1lO County
211-213 South Main Street
WiJkes..Barre. PA 18701
(570) 826-0510 or (800) 822-0359
or (570) 455-4994 from Haz1eton
Economio Opportunity Co\IDoil
of Reading and Berks Colillty
229 Fourth Street
Reading, PA 18601
(610)376-6571 or (610) 376-6570
Housing Asso. &; Development
411 Walnut Street
P.O. Box 1505
Allentown, P A 18105
(610) 432-6336
It is only necessary to sohedule one filce-to-face meeting. You should advise this lender
immediately of )'Our intention$.
Your mortgage is in default because you bave failed to pay promptly installments of principal
and interest,.as requin:d, for a period of at least sOO;y (60) days. The total amo\IDt orthe delinquency is
$2,439.44. That sum includes the following monthly paymlllllll of: $219.59 for February 10, 1999;
$246.65 forMarob 10,1999; 1246.65 for April 10,1999; $246.65 for May 10,1999; 1246.65 for
June 10. 1999; $246.65 for July 10, 1999; $246.65 for August 10. 1999; $246.65 for September 10,1999;
1246.65 forOotober 10,1999; and 1246.65 for November 10,1999, plus late oharges in the amount of
$0.
~~ .L. ~
03/20/00 MON 12:20 FAX 570 828 9231
.
KEYSTONE COLLECTIONS
flI010
~
'"
. '
. r, t
If yoU have tried and are ulUlble to resolve this probl_ at l!T after your face-to-face IIlCeting, you
have the right to apply for financial ;usistance fi'om the Uomcownen' Emergency Mortgage Assis1al1ce
Fund. In order to do this, you must till out, sign and file a completed HoIl1CC1WJlCB' Emergency
Assistance ApplicatiDn with one of the designated consumer credit ClOlIQSeling agencies listed abo'Ve. Aq
application for assistance may only be obtained from. a consumer credit counseling agency. The
consumer credit counseling agenoy will assist YOIl in filling out your app/icalioo and win submit your
completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or
posnnarlced, within thirty (3(1) days Df your face-to-face meeting.
It is ta:lremely imporklnJ tllm you jile YOIII' flPP/ictIIiDlI prollfJJtly. q IOu "0 not tit; so, or if you
dt1 notfollt1w tile other tinreperimls set forth in Ibis lBtu,forttdosurtJ may proceed agcitI$t yourllome
l/rrmed"Ulte(p. .
Available mods 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 aceurate and complete in every respegt, The
PCllJlSylvania Housing Finance Agenoy has ~ (60) days to make a decision after it recei.\Ie$ your
application. Outing that additioDBI time, no foreclosu!'ll proceedings will be pursued apinst you if you
IIave Olllt the time requirements set forth above. You will be notified directly by the Agency of its
_ision on your application.
The PelInsylvania Housing Finance Agency is located at 2101 North Front Street, Post OffiCe
Box 8029, lI.msblug. Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (tDII free
numbel-). Persons with impaired bearing can call (71 7) 780-1869.
In addition you may receive another notice from this len4er under Act 6 of 1974. That notice is
called a "Notice of Intention to Foreclose". Y DU must ~ad both notices, singe they both explain rig/lts
that you now have under Pennsylvania law. However, if you choose to exercise your rights described in
this noti~e, you cannot be foreclOllCd upon while you are receiving that assistance.
Sincere. Iy, /1./1 /\ /\/
./}16J fl.; f V JKJ
Mark A. Munster
Regional SupClVisor
MAMldnn
03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
~013
~tone ~
FinanCiaW
p.o. SOX 1384
PO'rTSVlLLE. R\ 17ao1
, T
'J 'I .
PHONE: 1--.u1lS-II304
FAX: 717-62&-9231
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY
MON.TGAGE ASSISTANCE PROGRAM MAY BE Al3LE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
If you need more information call the PeDl\sylvania Housing FillllDce Agency at
(800) 342-2397.
LA NOTIFICAClON EN ADJUNTO ES DE SUMA IMPORTANCIA, PURS AFii:crA SU
DEREClIO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTDlCACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRI8A. Pm:oES SE ELEGIBLE PARA UN
PRESTAMO PON. EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUALPUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU IDPOTECA.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FOlUX:LOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage#20199140003
December 9, 1999
TO: Ms. Sara E. Vanasdlem
P.O. Box 636
Carlisle, P A 17013-0636
FROM: Keystone Financial Bank, NA-
P.O. Box 1384
Pottsville, P A 17901-1384
!:XHIBIT . .
t.6 .
,
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03/20/00 HON 12:21 FAl 570 628 9231
KEYSTONE COLLECTIONS
1aJ014
, I T' T
, ! I f
You may be eligible lor linancial aaautance that will prevellt foreclo,nre 011 YOur morigage
if'you colI!ply with the provi8ions olthe Romeowller's Eme~q' MoI1gage ~Wlee Act 01 19lU
(the "Ad"). You may'be eJigiblefor emergeaey temporary auisCauce if your delault II.. '--
cllUlled by ,eiretll!lstau~ lJcyolld your eGlltrolJ you /lave . reasollllllle Pl'OIIpeet of 1'e8.lIling JOur
mortgage "a~ts, and if'you meet other eli~bilily requirements established by the I'eouylvaaia
RolISiag Fiuallee Ageoey. Please read all of this oodce. It COlltaiDs lIIl explaoaoo. or your rig....
Under the Act, you are entitled to a tempomy stay offoreclosure on your mortgage for thirty
(30) dayll from tbe date oflhis Notice. During that time you mllit lImInge and attend a "filce-to..face"
meeting with a I'lipresentative of this lender, or with a designated consumer oredit counseling agency.
The Plll'POSC of this 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 attend a face..to.1'ace meeting with this lender, or with a consumet credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure may !like pl_ for thirty
(30) days after the date of this meeting.
The name, address, and telephone number of our re~tatives are:
Mark A. Munster
Regional Superviser
One South Centre Street
Pottsville, PA 17901
(800) 895-9304, Ext. 9373
The names and addresses of designated consumer credit couuseling agencies are:
Consumer Credit Counseling
Set\>i~ ofLehigb Valley, Inc.
3671 Crescent Court East
Whitellllll, PA 18052
(610) 821-4011 or (800) 220-2733
from area codes (717), (570), or (814)
Commission on Economic
Opportunity ofLuzeme County
211-213 South Main Street
Wilkes-Barre, PA 18701
(570) 826-0510 or (800) 822-0359
or (570) 455-4994 from Hazleton
Housing Also. &: Development
411 Walnut Street
P.O. BOll. 1505
Allentown. PA 18105
(610) 432..(i336
Economic Opportunity Council
ofReadinll and Berks County
229 Fourth Street
Reading, P A 18601
(610)376-6571 or (610)376-6570
It is Cloly necessary to schedule OIU: face..to-face meeq. You should advise this looder
immediately of your intentions.
Your mortgage is in default because you bave failed to pay promptly installments of principal
and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is
$2,439.44. That sum includes 1he following monthly payments of: $219.59 for February 10, 1999;
$246.65 for Mllrch 10, 1999; $246.6S for April 10, 1999; $246.6$ for May 10, 1999; $246.65 for
Iune 10 1999; 5246.65 for July 10,1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999:
$246.65 for Ootober 10, 1999; and $246.65 for November 10, 1999, plus late chl\TgCS in the amount of
$0.
.
, -
W~'i-"'
03/20/00 MON 12:22 FAX 570 628 9231
KEYSTONE COLLECTIONS
1ilI015
~ r', f'
-. . , f
If you have tried and lII'e unable to resolve this problem at or after your filce-to.fiu:e meeting, you
have the right to apply for flD8Dcial m;isbmce from the Homeowners' Emergency Mortgage Assistance
FWld. In onIer to do this, you mUst fill out, sign and file a completed Homeowners' Emergency
Assistance Applioation with one of the designated QOII$WDer cn:dit coWJSeling agencies listed above. An
application for assistance may only be obtained from a consumer cmlit coWJSeIing agency. Tho
QOII$mnllr credit counseling agency will assist you in filling out your application and will submit your
completed application to the Pennsylvania Housing Pinance Agency. Your application must be filed or
postmarked, within thirty (30) days of your faco-to-face meeting.
It is iDCtremBly ;nqmrtant that youjile YO'" Bpplic4lioll plVJmptlj. If JIll" dolUJt do so, or if you
. notfollow the oth". time periods setforth in this letter,forecltl&lUB mtq proceed agllilH!ltyour h_
immediIItely.
Available fuQlls for emergency mortgage assistance are vBIY limited. They will be disbursed by
the Agency under the eligibility by the Act.
It is exttemeIy important that your llpplication is accurate and complete in every respect. The
PennsylVllllia Housing PillllllceAgency has sixty (60) days to make a decision after it receives your
application. During that additional time, no tiJmclosure proceedings will be pursued against you if you
hllVe met the time nllJuirements set forth above. You will be notified din:ctIy by the Agency of its
decision on your application.
The l'ennsyJvania Housing Finance Agency is located ~ 2101 North Front Street, Post Office
Box 8029, Harrisburg, Pennsylvani.. 171 OS. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll Iiee
nmnber). Persons with impaired bearing can call (717) 780-1869.
In addition you may receive another notice from f!lis lender under Act 6 of 1974. That notice is
called a "Notice of Intention to Poreclose". Y au 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 foreolosed upon while you are receiving that assistance.
Sincerely,
/ff)J1l-.
Mark A. Munster
Regional Supervisor
MAMldnn
~ . ~
~~
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~ t. .
KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS
Plaintiff : OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
LEE E. V ANASDLEN aJkJa LEE
E. V ANASDALEN and
SARA E. V ANASDLEN aJkJa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
; CIVIL TERM l(p;r -2000
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND
AGAINST THE CLAIMS SET FORTII IN THE FOLLOWING PAGES, YOU MUST
TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND
NOTICE ARE SERVED, FILING IN WRITING WITII THE COURT YOUR DEFENSES
OR OBJECTIONS TO THE CLAIMS SET FORTII AGAINST YOU. YOU ARE
WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITIIOUT
YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITIIOUT 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 BELl'.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE,pA 17013
(717) 249-3166
'"'''''~-''''''--'''''' = - ~
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- ,
KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
v.
CIVIL ACTION - LAW
LEE E. V ANASDLEN aIkIa LEE
E. V ANASDALEN and
SARA E. V ANASDLEN aIkIa
SARA E. V ANASDALEN
Defendants
:
: IN MORTGAGE FORECLOSURE
CIVIL TERM
PLAINTIFFS
2ND AMENDED COMPLAINT
2000
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 ofthe Commonwealth of Pennsylvania with its main office and principal place
of business located at 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013.
2. Defendant, Lee E. Vanasdlen aJk/a Lee E. Vanasdalen, an adult individual, and
Defendant, Sara E. Vanasdlen aJk/a Sara E. Vanasdalen, an adult individual, are husband and
wife, and reside at 11 Hill Road, Carlisle, Cumberland County, Pennsylvania.
3. On or about November 6, 1992, Defendants made, executed and delivered to
Plaintiff an equity line agreement and a real estate mortgage financing Fifteen Thousand 00/100
Dollars ($15,000.00), a copy of said equity line agreement 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. Lee E. Vanasdlen aJk/a Lee E. Vanasdalen and Sara E. Vanasdlen aJk/a Sara E.
Vanasdalen, are the sole record owners in fee simple of said premises subject to said mortgage,
~
"--~
- :t:!lci-
by virtNe ofa Deed dated March 8, 1985, and recorded in the Cumberland County Recorder's
Office in Deed Book "31 ", Volume D Page 436, 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 February 1999,
March 1999, April 1999, May 1999, June 1999, July 1999, August 1999, September 1999,
October 1999, November 1999, December 1999, January 2000, February 2000 and March
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 9, 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 9,1999, a copy of which is marked
Exhibits "F" and "G", and attached hereto and made a part hereof by reference.
9. .By reason of the aforesaid default, the entire principal balance of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, with interest thereon at the
rate of9.95 percent per annum computed from December 28, 1998, 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 due
to 3-20-00 $81,407.47
(Erroneously set forth in prior complaint, the correct balance due being the following)
A. Principal amount due
to 3-20-00
B. Interest due
to 3-20-00
C. Attorney's Collection fee
$12,707.50
1,389.57
704.85
TOTAL:
$ 14,801.92
" ~~
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"~ ~ --.. ~~, ~,~.L'4:I""~ "'~.J
___ i I '~
WHEREFORE, Plaintiff prays the Court to enter judgment in favor ofPlaintitfand
to order the foreclosure and sale of the mortgaged property and for the amount of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, together with interest
thereon, costs and all other amounts advanced by Plaintiff.
Iliam A. Duncan, Esquire
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(71 7) 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 subject to the penalties of 18 Pa. C.S. Section
4904 relating to unsworn falsification to authorities. q)
:it:/V
ack V. Hutchison
Sr. Vice President
Keystone Financial Bank, N.A
-
. ~- ~'~~~J
"'-~~ ~~~
~
03/20/00 BON 12:16 FAX 570 628 9231
~YSTONE COLLECTIONS
.
~ l~.
EQUITY LINE AGREEMENT AND DISCLOSURE
_01
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141002
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EQUITY LINE AGREEMENT AND DISCLOSURE
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KEYSTONE COLLECTIONS
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EOIJITY LINE AGREeM~lT AND DISCLOSURE
(Continued)
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RECORDATION REOUESTEO BY:
FlfflTlllrlnueteomlNlny
OnlWe.IHlghSlreel .
C.rllll.,PA 17013
rW:::::iT ;'. Z;ECLER
nECOilOr:n OF DEEDS
c:.n;r;C.L,\IlD COUNTY-PA
WHEN RECORDED MAIL TO:
Fennera Trull Compan,
One We., Hlgh Btreel
Clrllale,PA InJ13
'9ZIIDU 19 AM 8 17
SEND TAX NOTICES TO:
lee E. YanllSdlen. Ilk, Lee Eo Vllnasdal,n. 8er. E Vanasdle"
end WkIe SIr. E.Vonlsdllm
4GO Nable Bfvd.
Certlll.,PA '7013
SPACE ABOVE THIS UNE IS FOR RECORDER'S USE ONLY
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OPEN - END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCes
THIS MORTGAGE IS DATED NOVEMBER 6, 1992, between lee E. V.inasdlen, aIka Lee E. VI"elda1en, Sari E
Vanasdlen and aIkIa Sara E. Vanlsda'en, whoae address Is 400. Noble Blvd.. Car1Ji1e, PA 17013 (referred 10
below 81 nGrantor"): and Farmer. Trust Company, whose address Is One. West HIgh Slreel. Carlisle, PA 17013
(referrld 10 below 88 "Lender").
QRANT OF MORTOAGI!. For Y8Iuable coASlderallOfl, Gran. lor ,Il'.. lII'l", bargllina, _. ~.' "".""'." HIIIJIIBt_lranlflnl. re1811M" con""", IMd
martaalJllI (Q,Lutd., d alGranWI rlQtd,....and ~ In.~ 10 U. follawlng dIW:lCIb<<ImI ~.loPU*wUh"'~ DI' ,,\lbsIlq\I8nIy
8nlCllld Dr llIIndL.b:UIIdlnga,. ....'"""". IIltlnll and 1IxhnI;." ,....,....'!,ra"...IlIll)'S; P~08I;...,and WQS:. .. d... '.........'nllh.. or Mr. 1m IlbBrII...
prlvllegn, IlrmMnta, h!ndJ1I.Mnl., .nd IPpurlenll..... 1h8rillWltO' ,btlanglng D1'1.~'fNi. IppUltll1liil ~. .nd !he reYIrIIa_ llId
,.mIIndtl,. wRh,I'8....Ihereto; 1/1 WIlier,. w.r r1gh'" WIo~.' .....' dRah ria~li. .c,(IrIC/.' ~d1. .1foa/Ii'1n ul", -.ilh iIIDh at """lion ~J; anll al
ath., r/Ohls, ,.11... and praRII rallllng la llIa,.1 ~.lnclUDlno wHhoull",,'fa1lpnd """"-Is. 011. a-.einIf*meI and.llmllilr _1....loCaled
In Cumberland County, CommDnweallh of PennsYlvanIa (the "Reid, ProPerly"): ,
Deed Book 31-.1 Page 136 and Deed Book 31-D. Pipe 438 Tow.,shlp: vleal Pehnibai'a
The Real Properly or Ita 8ddress I. commonly known .s 1"HIII ,Roill; Carlisle, Ii.. 17013-
Or.nlar pmlnltr lulgtlllO LlIltd8r d DI Branlar'a righl. lIIlI. a~ l,nkIre$t In and 10 .1 Ie""" of IhI Propertr ind ... Renl! from It$ PrDpellr. In
MkftI\oft, Granklr \\fMI$ \II Ur.nd.1 UIikImI CommGrcIMCodI ~ 1n19rn5l1r\ \1Ia ~~ and RenlL
DEFINITIONS, TrIa 'llIIowlng MJJds sha& Ita"" IhI fDflowIno melning, wtIen used In IhIs Murtll'lp. T8nnI not othilrwIn deftn&d In ItIls MllIfgfgl shaH
hawt IhI meaning. a'lrIbUIed let sUCh IlltmIln the Uniform COmmercial Code. All ralerel1CClS to danar amaunls IhII mll8ll amaVtlll1n llWlul monay 01
Ihe Unn" Slain 01 America,
Cradll "'~llmen'. TllD word. "Crad/l ,lgre9rnant~ mIIn lhll rllvoMn; 111\1I 01 credit IQmlmenl dllad Ncwember 6, 19112. belW8lln lend.- ond
Grlnlor with, 8 credit IImil of $15,000.00, logelher wllh '01 I'8IIIlWllts or, 8IlI1nsIa,. Dl'. moAelons 01, rellnanclngs 01, canlOldlllanl 01.
Ind IUb,tllullolll lor Ihe CnIdlI Avre&mlnL
exI.Unllnll,bltdneas. The words "ExIIUng IndebledrlllSs. mean l/'le IndeblBdnBSS dtlscrlbsd bsJow In lilt ExIIllnv 'ndlbllldness HCIIon 01 INs
M~qL ,
Gmator. Thlt WGnt "GrInloI'" muM In e. V8mlsdlan, 1lI'o '-lilt E. '#ltINISdlllln, Silt. ! ~Inlildlln Ind ..w. 881'8 a. Varrasda1ftn. Tha Gnln\Qr
IJlh&mDltgagarundltlhll,Marl;lgl.
auar.nla,. 1lta ,word "Guarqnllll'" mea", end InclUdes w1lhoul Ilmlld.llon, BllOh and en 0' 'hi llUll'lnlars.slll8lea, and icllotnmod'ellan PIrt18s In
ClonnBCllonwllhlhsl~doblaclnllSS.
IlI\1IrallemeatL Tho ward "l~nIt.. tllunl VId l!\CilucM.1. ....1h0lll Umllalloo\ a.\\ uk\lftO uwj tu\III'I ~. 1IldunP.s., \wlldInoI..
.lrucllnS, IIICIbllll homualllnd a"lhlR.e1Proplln,.laclB~ IddlliOllsl.nd olherconslrucllon on Ih8R011~.
Indebtedn.... ,The ward 'ndebl.dn_~ II1Hna all pr!ndpel;up 10 .'5,001I.00 oUlilIMlfn9under lilt NiMilllnr lime Ind 'nl8resl "'_ und.
lhe CreIfl,AgtaIrmonl and 1",.mounlIUllltlldDd or IIdV1nca'd br Lender 10 dl=' _arge,~'lonSor_nllll'or~'"stII~,brUn_1a
enlOlC8 o\JflalI_IIons.. . or arlnlc:w undsr W. Mortgage, I...... 'WIlI1.' lnlt1"esl on s~ efl'Dll.. ,.~.... p~ In thIII MarIgqt. 1ped1lCal. ". "'Ihaul
UmRaUclIl, UtlI,Mart99 SCCures neVOlv"'lIl1ne Of credit. w~1dt abnOdu', , tilmGke'*W\OP\O ~~-GrM"'faIl. tea
com"". wllll..1I the lerml 0" the Credll AJreemllnllll'l. 1:1 Len. dll' g'ne Grantor 8'". OPe'.. Ii Ii". I v,fMl'lL -SIz;b __.'. ... ._.. be m~ l'ePIld,
11II11 rlmld. from I,",' 10 11m" -subJellllD Ihlt 11""111I1111 lila' ,lie talal OUIlIIitd!#D b'iJUCt oW"".' W-oneJImt, IflIIllnClildlna,flnDilte
cbugo on... bab_1I ele nllell, a, verleble 'tll. or luin'illl',proYllfed In 1,-, Ciicnl AQfrti:ftlenli_""~ oVUBfUt,c,Ir."ctrervu.
end any amaunt. explnded or edvenced .. proYllhd l~ Ilhl,: "",eareph, 'hall :nD.: fXIIClld," :~,,,UinH,. ptOvldad 'n .11I Credll
Agreem'"L II f.lI1e 'n',"llGn or Grenier and Lllnwllllll, ltil. Mortgage ..c,~,~. Pii.~' otdilinltfn';:,,"der ~ CredIt A;mmenl
frOm lImllo lime from zero up 10 III, Credll Umll as provtoed,lbove .nd lIlY: InlemHl~lll, bllllta*, DtUI,liIlimftl. TtIe Dsne md securlly
Inleresll maled putsuantlo lhls Morlg. covering lhe Inclebledneu which m.y b. ~,'rletlln lhe rulUre 1ItIIII'tlll'It back 10 the ellle 01
IhIsMlH1gllge. .
Linder. The word "Lender" means FarmBfS Tnql Camplny, I~ IUCCe5S0rll Bnd asslollS. TIle lendlr" IhI m.~8 under this MorIgagll.
Martg.ge. TlHr wDI'lt "MOIlgBII'i" mlllns ItIIs Morlll'sgll bel}'lMln Gt.nlot eOcllendBr, Bnd Inaludp wlIhDUllmllllon ~ II1lgmn8lll1IMd lacurlty
Inllllt.slpl1lVl5/on.srelaUnglolhtPllr.IonsIPraperfylndAenll.
PersanBf Property. Thll words "P1f$Dnal Prapetty" /TIIln an eQulpmenl. ~lul1Is, Bnd oltlel' IU1lele! Ol penonat prcl$:Ill1y now CII' herealler owned
by GrBnlor, and now or hero"llI' allschtd lll' alllxed 10 lite Flell Propsrly; logelher wllh aN IICCII!51I1ns. paris, .nd addlllons ID. all replsclmllnls 01.
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MORTGAGE
(ConUnued)
Page 2
Itld all ,ubsllluUans 101, anr aI sllCh PRlll8fCy; 8tId lagelhltl wllh all proceed. (lnGIUdlng wilhaullmlllllon IIln1url_ p1GClI8dIlJId _ndI 01
premlumI) rrom any sari ar alhll ~DSIIIOn a11h1 PtapMty.
'ropeft)'. The 'Nord "P'Japerff maan. coIacIIVIllr lhe Real Prlll*l>>' eM Ihlt htsanal Praperty.
Real PI'Opan,. The wonia "Reel PJ'GPiIIV lI1lI&n lite pvperIr,lnItteIIS 8IId IfghlS deIcIfbed aIIaYl1ln lh8 "GrInt or Marlgap"' IKIIon.
Rellted DGcIlmenl.. TIll WOldS "R8IItad DOCU",snJt" lfI8In I)ld inclUde I!lllbavl Imllallotl II ptDOlbscNy noIII. Cl'IdII IQflNImenll. loin
Igreme.ntl, gUlflnlllls. IIOUdIy' Igreemenls. marlQlgn, detdI oIlM1. and III oIhet Inslnlll'lllllll. agrulJllnllllfld doaumInIs. Wh....... now or
h8ntaJ1er _Ing. uecul8d In CDllnec80n 1MDI1tl81nd8b18dlllllll.
Renll. The wlII'd "Roil"- IMIIII .. p18Ilnl and Mur. ren., t8V8nuu, lnaams. luues, royaIIIIl, proIil.. .nII otIIIf' bIInsIII dIflWd IIrom 1M
Prapeft,.
TtfjS MORTGAGe.I~CWDINO ntE ASSIGNMENT OF flENTI AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PI\OPEI\n, IS
GlvtUI TO UCURE (1\ PA\'MEN'I' or ,TtIB IHDEBtEOKESa AKD (1) ','ERFClI\"AHIZ OF M.L CllUtU.TIOHB OF 6RA1nOR \JNDBt THIS
~GEAND THE RELATED DOCUMeNTS. 1MII MORTGAGE IS GI1/EN AND ACCEPTEltOll_THE FOlLOWING TERM.
"AYM~T AND PERfQflMMce. ~I III o!hIlWllI8 p,1Mded In lhII Mortpge, GrJnIar 11IIII p'r Ia Llnd&r III lmounlllOQ&dd br Ihb MarlQBllO
lIS It\t)' became duI, end strlN oItIoIIy'peirfllM" at ChnlQr's olIl/g1llan1 wrdli'lhII ~
POSSESSION AND MAINTENANCE OF THS PROPERTY. OtInlcr IlIr.lIrll Granlofl potI8SSIan and UI8 011/18 Pfap8l'Iy ahd ballO'111'Ud by lhe
/ClIlOWIngprOWslOl'll:
POMOIIIon and Uae. U.... In IftfauII, GranlDt ma, remain In pOS$lUlan and contral 01 lReI aperal8 &lid l'lIInagI ....1'tapIrtV uiJ caII8aIlhe
flanltlramlhtPrapetly.
Duty 10 "_lain. Gtltllar shill melntsltllhe Proplit'!r In lenanlabkt condJUlHl Ind pramplly perform .. repl!rl, tep!lI:IIlMR'" and IlI8InIeMnce
IIlIOUIaryIOpreMrv,itfVllIllt.
Ha>>tdDV:t Sub''''ll:ell. Thll8/'l!ll-.uw.rdaus wIste.. "hUIIrdallS IUblllnae.- _llSII," -..au..- Ind "Itwea.1ened reIeUe.-.. UIICl' In IIlIs
Mar'IgI.;e.shllll hive !heMmeIl18lRlngs..,,1 rariblnltla Co5 EnvInInlMr)lIJ RIIIPDftIt,_CamPensal!otlo Ind:LlllbllrAclol'BlIO. U
.me.... d. ..a-u.s.c........ '. ...._ ',:II..q'.("CERCLA'. ,Ihl',' at1und AmelldlMnls and ReI!i!hDfI. _." ',MI. . an_ p.&D. L. No......
("SARA" IhI HuudDld-MaI8rllls,TranlP.orlIlIaii AcI..49,u.s.c. an 18G1...n~ lhI'FIesOiliae CoilMtvallon Ind Rec,cMrr AcI" -48 U,$,c.
Slatlon 89DI, t1,..q.;or DlhlUPpIca~ .tl~ Dt,'trdllnll Ie"",. rUla._OI' raguIIU_ .dDplld-p~~ II., elf ~I"""" ThlIItma
'tIaaniolls_-"',InD-~"~""'.II'lduds;'fIIU\CM-ImIiII_Ilft,~"'~\HmMfili:ltunnyhdDn"""
andiutt~11II. 'Gra!1IOl':~ll'ld,~'JiIs'ia,L~rlhU; '(I) DIiMgIhI_"olJ-qI'~n1n~~!althJlPtDp~:Ih!..;hil"'nllt
llI8,oa~.lIon._lrIIlll,Ilila!",,'~g..-lINlmil1t,-dllpOill,raI~orl""Ianid~,otW~,~I!I.'~'~!IAY'ptnlOI1on,
undet,Dl' .!Hlllhl p,~"(bJ __nIar' till no know\ld,,!! elf.DI'rBUO/tfo~ Ih.Ut\iN I!M ~ ""1&1 ~,d""'lo_
ICknDWIlldCil~,~L.ldIf.lnwdllng; N'llnr ~a,,'~ fIllIt!UIIclIh,',~ ItaebM'!f!i1;I",~.:~~'orl~""'" 01_
hazerdoiiJ.-1I o..sutr~_bt~_plIar'DWn!l"S crGllllLlpln~'oUtll Ptapeitvcr ,(Q'IIW~-lII'-II!iPl~'_IcIn'at,""OfMVkI/Id by
l...,p8fIOft_""._QI'lllID. lUaIl_:mI.i\ini.,'-tild'(CI'~I..prI\'IousI;chllIDIldlOand""'... ....__. ... ...'............. _.IIiWd!Jni.... (IJ-iif!IItlItGtl_nar.nr
IInBnI, GOI\IlIcIGI, agltll II' oUw 1"IhOII_d IIIIl"Gl'-lhe ~..I1d,UM, DW*'i",~ iii... _,~,aI"Df'.......,.
.h..rd""'IIIUllot.~~"".'on,Undllr:. .-._._I:lhi-PropIItr. ,and 00"".... _.... ... ''''. ,be~.....""'..,,_ Iii~.. ' ..:._.... "._ .
IIdh1, .tl", .lId IacIIIIWs. f1tIIlU.Wonnnd Gldill-.lncludng wlltlDullrnllaloll tIioie-..ws.'feDiIiIID..... encI ~ iItIalII*f IbDW.
Gral'llDl'~,~,&rldItl:~,loe_nlerllpOl1.."'opIfIJ'lD~,.llGti~,ancJ-..II,iI......mey"...:~1t1D
dIleniiIIlIODI1lpI,IiIlCli,OfIIla~arIV\WIIh.lIila:.lloi1,oI-1hIi MlXlgBp.,All'tIril~,o;-''''''_IJlI."br,~,_II'III,bt:'far~",,_
~.nd~riDl"~JlSfrUICUO-"'''.nr,..pnslbIIIl)'ot~j:lnu.~ciI~_IDGr~;",Ip,~".~ TIlI"fllpieMnliliCNll
andw.",nlluallflt.ltltd~",~",donStl~d~""lnl~."'PnHioWIV,""bIJ:iIIIIluwut" GnIri1iir'hIMbr (I)
~'rldWllvet. ',,_ :Mr'fIlI~'_ClIIrrit. ..': '_IIaIRI..'U.8""lor"~l!m."". ._Cll"dlmldblllkill. I...... IV1lIIIG/I.._ ...._.' ,'...... _. ...~_..'"':I.;!:lI'. _....
URdM'lnr.luoft,IIlWl,W (b).rHilolniHmnllr..'hGkI tramrlessLlt.Jdlt:~'lIWitid..~...............PIftIIIIM,..nc1
ap8llHlwNGhLI~dw''''rlMictl1or'fRllfl~.Ultafrl-O'sulll1r''dno.-.mlbfllOhelflhls,~II:q1'''''''~'tJtU.'~oI
an, UI" QIIn1rallan; mllIII"i 11orJ;e. ctIlpoSaI, l'IlIIlIN Of I/i,....~ N1ltl11 0CI:urring pIllI'_to'BrantDfl,ownltllllp or ktItr'IIIln lhe
PrapiNt,. w~ flI not 1118 SI'IfII',WI"DI'I,hould have bl!l!n known-IO GranIDt. ,thj_pIOvIs/ons oIlhII-iIoIIan 01 h M~ I/lllIudInQIlhe
abllQal/onlo Indelnnl/y, 1hI11. ~'lhf pe"",nt Of 1h'llndIbIMftla. ,1.nd,aM IIV111ldcNl._ end f8GCII~. 010. ItnllllNlMorIOIH and lihaII
nol bllllllctad brLMdljr's ~lMIl1Dn aI anrml......ln b PIupeftr, wl1elhlt by kndDsUr8 01' oIIl8rWtst.
Nuisance, W..le. O~nf!lt ShIll not aaus.. l:lInducl DI pennll _or nuluncl nor CClmml, ptlMI/I, 01 $tlIIBf e", sldppIng 91,01 MSIlI an or II) 1118
PropelCy ar In, I10IfDn oI'Ih8-PropiltIr. WIlhoul &mIllng the 811181I'" oIlh1IG189a1ng, ~Iln wi no! ftlmove, Of grant Ia aD)' crbr pIlIfw'!hI
rlghllo "Mow, In, UmblIr. minerals (including all Ind gill. soli, gt'lVlll at I_ produats Wllhoullhl priar wriIIIn IlOlII8nt elf Lender.
RemDvtl crt Imp'raYlmenta. arlnlar shill nm dlmoU~h or '8lII0VII an, Imjllrovemanlllrom thl ROIl, f'Rrp8rty wIUlouIlh. prlar wrlll.,. cansenl al
g: 1 !.and." AI' candlUon 10 the ftmovli Df Inylmprovtlmlnll, Land.. /nI, rtqultl GflnlGl' 10 maklln'lnpmtntl..,1Dlaly 10 LIrIcIer to ""II:_
~ I IUCh Improvemenls wllh Improvtmllnts aI Ii InI11quBt VIlue,
t"""" I.ancler'. RlOh( {Q Entet. Ltnclllr DO Its ap.nIs and: rllpresenl&llVlls my Inter upan lh& Rill Pl'D\MltY Il d rauorWlla IImIi\Ii to .I18Rd 10
..... Lender's InlnslS and la inspRIlhl Prap8tlr lot pwpG$8I or Gtlnlat't campUlnee w1lh lhe Ietms and candlllanl or lhll Mor1ge.glt.
f.3 Compllllnr;tr wllh Govemmcnlal Requlfllmenll. G,anlar shill prorfijlUy c~ wAil "IIWI. DrCIIn.ne.... and ftlgII\BIIOI1l, nIIW Of tMnInllt In
elflCl. ora_ Qavem~laI aulhDtl1lll applicable 10 Ih' US"Df oc:cupancy a1lhtr Prapltly. B/'anllll' mar ~ '"'QClGd l&IItla", euch IIw,
:;'.! ordlNlllC,l. 01' regullllllnllld ~Uhhold cornpllatlCll,durttlO a"V pracNrIIng, tncIutIlnlllPP~rIalUPJlNIs, sa lDna u Grlntor hll naUIIId Unclsr In
J~ WfIK~ prkN' la dDlIlQ 10 and'lo fang u. In Lendlfs sole opinion. Lend"" Inl..." In Ihe Prapettr 8IG f1ollaopudzad. LandIr ma., nrqulnt
Grsnllll'lapOlIladequalllllCUlil'GI'II IUI'Dl)'band.llesanatll,ullstloilll'Y ID Lend., 10 prallOi Lllllder'l,1n llltlSL
hJ
CD Duty to Prolecl, Grlnlar' IgfllH tIlllllIer to abendlln n(ll' Ileve unal18lldsd Ihl Praperly. Gnlnlar 5NU da d olhet' _In 8ddJUan 10 Ihosl 101s
CO '01 10M abaw In IhIllec11on. which "am ~ Chalaclitt and USI olllle Proplll)llt8tNSllNblrtl8ClfSsarr 10 proleclend ptillllIW lINt PtGptIIIy.
DUe ON SAU' ~ CONSENT BV LeNDER. Lend" ma,. 11115 apllon. d9dare Imlll8d1t"" dUI and p"atrle aD, suml ler:wed by' this MDrlgBgG ",on IhI
s~ GI' 1fVoslW. wlltooId 1M 1..IMIDr'I pJIor WIl1\Ql\ CGnwnI. ~ 1lI_."., p&l\oIll\8Ae81 PRlpedy, GI' 11\'1 lnt8rW1n the; RnI PfopeItV. A."a18 GI'
traM/DI" mlenl Ilia llonve,aRCI al Rill, Propert"OI' In, rlghl. UI. Of Intlt8l1lhlrelm wIltIlw .\agel 01 oquil_ whtUw WI!un1lfY' or ,,",oIuntarr.
.....helh8r' by au\dghl SIll, deH. Inllllllmenl sail conlfacl.llnd CGnlraCt. GanlrlCf lor daec:l.IlaaSlhald 1n!lr8St w11h I I8ml gnlIler'."'" Ihi1I8 (:JJ YIIII'I,
IeIse-apHon canlrlel, or by 1111, lI.uIg~menl" Of "....sl. 01 In, benallclalInllll8SlIn 0110 any laRd IrUSl h,*,lng..llllllo IN RIIIl'rapIrtr, or br I'"
olhermllhod al Clll'1wy1t1C1l oIRIIJ Pfap8lty,lnlereSL IIlny Gtanlor III aorporallan or plltnershlp.lrln11er Ilso IncIudn 1"V.n.ln ownltlJrlp DI
mars lhen Iwlltlly-tNI ptrIcenll25.1 oJ !he vo!lng slack or parlnltShlp Inlllllls, as thl 01$8 1IlI' bl, 01 Grlnlar. HowIvtrt, IN. aplIOII ..... tllll b8
uen:tnd tl, Llndlt JlllICIr tx8lCIse II prai'lJtllllNi by Ild&r1lllllw 01 b, Patlnsw'vanlllaw.
T~ES AND ueNS. ThelDilawlng prollfs1ans (lll0ng la the le.ls Ind Ilsns on Ihal'raperiy era I PIt'! allhls MorIgagL
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MORTGAGE
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Perm,"I. GnanlClt' shin pa,. whtln cJue (and In all ,vents priar 10 cl8llnqulllncyJ 81lllXU, p.~!ueI. sptOIlI-tuu. UlIU/rIDIIII, walw ohlllVes
Ind IlIWW IlJIVIcB cnlr;el, I9YIed &pins! or on acoounl 01 the Pnlp.." and shd PI' when dUl all cIIImI 'or wafk dDnlt on fit for ftM:eI
IwlIIP. mIolMIr6~tolhloPrDpIltt. ar.fIIor:aI\a\I~1N 1"ropertffr88,ClIdR8nsbnllllJrlDltlplPoWorltC(lMlloUu,tnIn.loJ
lIndlll' undw this MOI1;age, 8XCllJI1 "" ,.. IIIn'oI',_ and as..sm,n" nol dull, IIla:8Pt rot thl EdlJn!ilndlblBlfnin rtf8/qd 10 bilow, and
81lC8"'''10IhIrWIseprovldldlnlhllalOWlng~h.
Alllhl TO Conl.aI. Granlor mq wllhhold plymenl or Iny!Po asseamllnl, or c!IIm In oonneolkm wah. iaad 1'I1Ib." DftI'''' abila_Don III
PII)', SllIlong ..-Llnd." In..,..' I" ..... Prop.,arbi noIl"PtrdIBd. "all8nMn. oris III8d III ._1!lIUlI Of nonpllJfl'lllnl. GtIInklr III'" WftNn IllT88n
(fS. d8)'S_.n., 11M hn Irises OJ,,'" IIfrt.II ,~, wIIh1n,lllllll.n (IS) clap ~lllll' lhnlqr-1lU nab or-the 1IIniI'.__'''' illc:tlarae 01' ,he hrI. or"
f8queslOPb)'undel'. dlI,POSl1 wtlhLel"ld..~ or ..uIIlclef1IC91'POf~I_\lI'llIy,b'ond.or,tlIhIrHoul1JrI8_arvlol.8liderla:ln.mallftlaumcrlillll
to dlJcharQllhOi IIen,plvsany casll Ind'aUIlI'M)'I''''' or OI~ chAr;H Ihtll ~uId _u._.. rI!!fIIdI,oI"lorDr:Ios.,e or h/II'l/rKf8flhlllen. In
'nrconllS~ GnInllll' shaW daf.nd IIHI And L.nder I"d Ih.. HIIII)'II1)' adY8rM ludglMnl blllart .nIorcIiMnl.1*fnst IhIt PrqjerIy. lbnlll' shill
nlme t.andIr u.n eddlllonel DbII;W under IIlInylUl1lly bcmcHlmlihed In Itre conleSl ptCIiCeIKIIngt.
EYldlncl 01 Pqrnllnl. G,.nlOl' IhIIl upon dtlllllnd furnish 10 LlJltder IIllsraolDJy evldlflClt or PQmtnI ot IhlIou ar _nllnII and s/laR
au\~ """ IPP~ ~I oIIIclaI to d&Ivw 10 Lendlr a\.", lime . Wf\Ilan ~ a1!he '-Iftd luewnenb; qalrql '"
_.
Nallca 01 COnIlnll:llo,," IJtllllarlhll no.rv Lend.r alloulllltHn (t5) davsbetorea"t'_warIc ItCGminenced.Iny"'""*." II.mlIhld,. ar!ln,
malllflal& 1fII1_.d la Ih, Property. II '"' "'lDhUlla~Uln, malerlalmen's iliA. Of oilier lien could bI UtIfIed em acctunl ell"'.... BIlMclIS.
II' IftIllerilllt and' lhe CDlI-exceedI ss.coo.oo. Grantor WI! 'upon reqwll 0' llndlr lurmh 10 lender IdVlnGlIlIIVnlnc:es &I_dCMy' Ia lendlt
IIIaI Grlnlorcln and wi pay ItIIllOIl 01 such frnplOVl!lIIltIllI.
PROPeRTY DAMAGE INSURANC!. The following pn:MstOni reIII'ng 10 lftIurfng!hl PnIp8ItJ,,.. pari OfIHsMortgqt.
MalnlsnllnCI 0I1n,III'IInCI. ,Grilnlar ,shd p~ ancf JMJRIaIn poIIcfA af Ilre 1nI\l18l\C1 WRIt ~CIXIlInd8d ClMlfqt '"dcnIme"" G1t.
repIiIcemInlbufalctlht''''lIWIl1IbIlIYIIUt~-''I~lsonl'''R~,~In'ln.~,.ufllDlanllD.vald8Jiplaallonaf.",
coInsUrlnet cItIula. and wllh IlIndard mortaiIgH daVlCt lit '8var OIlendot. PllIQIfji,"ilII bII wriIIen'b)'.uoh 1IlIUnI.. OO~..fItlf In such
10hI\ U <<'4y bII ~1I&bIy ~-to Lenk'. Grl;fttor,'1W deIMIr ~ l..tftU:,~M Of ,~_hm.... ~ wl\1t.lnl",.
sUpula~O(t Ihtl oowiagl waf M b'ulftc8lIed "cIIrin~w11hout I m!lifi!lum Ofliin_(IO)dip~ptarW!flltn nol:!ii lO~alid'nol canlelnlnO
'IIY dIscI,'m., 01 Ihlltlllll'8l's II8bXIIy fer IIl11lrtl 10 give iUcb nab; Shoufdlhl.RNI,~ .l'lIIJ'lIn1B bllCamllaated tun... dlllglllt.d
byUwo.nctorollt\'F'...EI'lIeI';tIIC';~~u"'_lit~,'bUai1f'_,~:""'totlbtllnudmiln1llBFtder8I
Flood Ins.".rlCI, Ia lhe fIlll.rd,ilUCh m....nceJIH8quhd.itd Is Dr bacorinI.'lMI8abllo for, I". lenn DlIhe lain and far !he '" uftPlldpl'lnalplf
ba!anr:e 0I1h8 lOin, or I'" mutmum"m11 oICOYW11g.lhalls 'VlR.b~ whlohl".,,, 1Di. .
Appllclllon 0' Proceed" GrlnlC!r ItNllIlJfDI'IPlIy' noIIlY ~dor DI Iny la.. or dlmagllo '''' ED 1M """11ecI cotI oIl1IpIIr (It
,."_",,nl_.".'600,oo.. "._n,dermlrml..."oorOflOlSlII Gl.".... "'...'.... ....OwltHnllllDan..'I."II. ... .... IhtO:!l.uaIIr._ . Willi"".."""
unci.,.. .lClurll)llS Impii/rld. L,nQ'!ll' mllJ'.al", erkiCDoIto apply' IhI,pl'OClllO ~ I,ha t8dt:!DHon:af,Uje,,,,,*,,, ~ ar.",lIn,II8C11nCl
IhI PtopgrIr. or !t)UIII!OtIIIGn Ind',. af Ih. Praptrlr. II Lend. .,..I"_,.PPIV,I,.,~lIs:llJ;,..IOifI.n:"",:i fllIlI{t._GfanlIW,.W.... (It
,.pIaa8lhe.ma;ad,Or,dUltGYtcI. .1"""". .' lftIl1lI:',"lmlMlIl'. salllfactarylo-"...n.~II'...tIi'i_,.-.lI1i1\(... "'. '..~. "'. ...""'....... af-..~~.
pelr Gl' naIlfItitllW GaanlodrDm-JhIi-procelds W 1hI,,...Dnlble-col~.-af-.....Jli:'8Il_~:'Nhtll6r,:ji noUIi-ChillUI'hnUncrir. My prIlCIIdI
whlctl haYi nol bHn dIIlb!Mid_w1lh1i'1-1BD .ys"tIlIr Ihtlr"rcictilpllni:t,whlclh:l:m;.dlas,riOf~U.cl'lolh' ~ al:rt*lUaft:a',u. Properly
sh8II bei utad nrar III pay.nylmount DWIng folllftdJrundW Ihls Morlg.ge.lhen 10JlflJJir eacrv8d,lnl8njM,lnd I" "",,'ndlt.,II 'nr..hlIU.b'
applkld lo'Ih8-~JtClp... bll8l'1C1 af !hI1nd8b1ocft)eu. II Lan. holds mr praceildl aflGr'QmHflIIn fUll 01 Ih, IndOtitednelt, luch pI'OCll8dS shll
blllJll/dlaGrantor.
1..IMxplred Insurence II Slle. Any Uf18lIPItedlnsurallCl shall In.... 10 Iht b.nem o".nd pass Jo.lh, p\ntlu.- ollhe PtapIrIy~ br IhIs
MonlllaDIII.1lI' trustee', Hla at alhIr$lle held unOerl"I prov\I'Iont oIih1s t.lIlrlDQI, orl'lnyfor8tbure_ oIU1h Proputr.
COmpllllllCll wlllt EIlIIUnglndeblecm-lId. During lhe period In' w~ anredsllng Indebladl'l8Sl ~Id b8raw flln.., campRInc8 wfth I'"
IftSl/I'arQptrJVltIa.nttQ(l,lalnodlnh,-lnsltUmantaWI8llCl"ll!,S\Ill'" bls\llI9tncf8tllacf""uhallCCl~'~\VIII\thIlnsuil1ftC1-47fOV1s1Gn$
under lhls-UcrlDIVI, III lhe_ildenl cOmpfllllC8 wllh.,1hI1erfna oIlh1s MorIga91 wOuld CDl'Iflllilla. duplli:illon otInlUl'll'.Il8o,,",,*,lII8Ill. IIIII)'
ptOCell~ Ira," 1110 InlUrlIlCl bsilainl paY8b1l11 ,0001asI"".r,rovlIIDn.'n IhIt MortglllJll'ar ~n ofPTDci8dllhll IPply 0nI)' 10 IhIIl pcrllan 01
Ih.pfaC84d1 nol payable 10 lhil hq!dtr of1h1 Eidt"",,'llldeb IIdMss. .
EXPENDITURES BY LENDER. "Gt,nIor IihlOcompJyWllh any ~ato(1 01 this McrtoIu.lnclUcDr9 &ff'I obJIoa'lln 10 maI~n EJlIsIIl'IlIIlfldsDlednesl
Inllood .landlng u recflllrlld ,b8lciw. orll anr.cuon l;Il' P/'OCIlIclna Iscommenced Iftll would ",,11!CfIII~ _"ee1 UHidIIr't r"I.~_1I In IIta PlqllI!'lr. Lender
llnOran1or'lblhellml\y._but I~ naI~,lIqulntdlo, l'kl.nraaIlOlllhal\.erider~~""""Ii. Arr/imDuillIhll~eiR_,"...-ddng WI
bIGr 1n11~1.11ha ral_ CIlargsd _unde' 1!1t CnId11 ~f'IIim.m IrDm IN d8~_lncUl11ld Cl!':p_.ld,by L8I\d8r,IO the d*IUI.)'m8III,bY~Gllnkit. A11IUllf1
flIP8nsos. .nender'l oplIQn" WI (I' be p8pblf ol1_dc!tnlnd., (b) be, .dded 10'11'11 bllu_C8 cif..lhll ~!tJ1 an; and be CJppcrtla"lf~~" Ind b8
pa)'llbl, wllb any Inslannillnl p'Y'I18l:lIS 10 bacc;rmt c:IVt, du,"", tiRIMir, (I) Ih8 IIII'm oJ,l" ~~blIIlniUl'llnai,PDIIar er ,(II) lht nnnlliinD I8rm oIlhll
Credll Aat'Olllf!lnl, Of (Ill b, lralod... ba~n Pl!ymDnt which wfI bo dua and p~.blul,1tait Credlt:'A;:retnjlnl'i ,",Iurlly. TlII1 Mcrloall"1Io will
tlCUre Plymenl.of lhasa Imounlt. TJ\O-rlQhlsprovldld lor In lh1s p'rACI'rlph .hllll bD In Iddlllcn Io.ny oIhitrriilhll or 'lI)' rarnDdlea 10 whlclt Len_
~lI118Vb'.nlllled on IICCOunt ollhe def.u1I. AnrSUlIhacQllIt brL.ncklr. shaB nol baconslrUad ..curing''"' dalaull:lO IIlobarbndsrltorn anyl'lmldr
g IhaIIlDlhsrwlsewoUldhl\l8h8d.
~ W~RANT'I. OEJ'EKS'E. OF T1"1\.'E. 'Thalallowlng pnMslam fftol\nv 10 ownershlp at U'I8 ~W8 a pld cI Ul1I Ntw\vIP.
..... TIIII. Granlw WItl'lnlt Ihll: la) Grlnlar holds "ClOd and IIIlIrtrelable U11e at reecnllo "rl Property 'n lit sl""te. hi .,.d _, 01 alll8ns and
o InclllmbrallCGl alher Ihan IhO$lSti forth fn Ilia f1aa1 Prop.,rly des;rtp~an-a' In Ihe Exlsllnv IndlbledMlS 1801I011 below OlIn aiif' lIll8lll1uranar
I" policy, UlIIt rBplll'l. (It lInallllle cplJilonlssuad In illVOl' 01, and IlCC9Pl8d br. Lltn"' In co~nec:aoll wllh Ihll M(riglll., 'nd Ib) Olll'llcr h8i11h1 CuI
~ ""h~ pDWlr, end .\llhorily la IllUllu!llllnd dilly. this M:or1gegu 10 Linder.
?~ Dalsnse 01 11111. SIlb)lKll to 1hl1lJlCtpll~ In Iht para~ph 1Ibtm. GrantarWlmlma In~ wM lamar d9ItInd Ihtr Il'IIt 10 h ~ qoInsIlh.
lawlul clalmJ olin JlIll'SOns. In I'" IVln18", acUafror plCClJdlng,1s cammeneBd thai QUBSlIonl\3ranlor'l mil or Ihllnleresl or under u.lhls
l\:J Mortae;" 'Grlntor shaft dllland IhI aden 81 Gl8nlor'l ellplllSl. Gl'8nlar mllr be 1~1 nomInBl party In IlKlh procoadlnlfo bul Len_ Itwln b,
~ ,nlllled 10 pilrllc1pala Inlh' proceedlng ano to b. nlpm.nlld 'n !he prclCllldlll1l by counsal c118ndBl'lown ohclct,.ncr Gr.nlcrwlll daIIvor. or
~ csuse la be IS8IIY9I'fd, 10 Lender ,utlllnllrumenls a.lender ",ar rsqU811lrom lime 10 Iltnllla plllmJI such parf\alpellan.
~ WI'" l.aws. GnmIcr"*,",,1\Is Illal \t\8 PfO\Wf\tl ,nli Grenlar'. un ol 1M ~~erty ~ wlU\ d _lint applicable ~
ardlnanall, and regul.Qons of go\llmmenlalauUrarlllu.
EXISTING IHOESl1:DNESS. Thu IaflO'Nlng provisIons coneerllln; axlstln; Indllb'ld,,"~ (lhl "Ex1slinglndobledness1 ar, a plrt (tllhl. Mort;ag..
ExrsUna lien. Thl Jlen of Ihls Mor1glg11 $lCl/rtng the IndBblldnlSll may ba S8COIldary IInd In'erlat 10 In 8MIslln9 flen. Granier DPJ'I5!Iv
COVlln8nts and Ilgrees la psy, or tiS 10lh9paymltnlar, thtEJlI,lIrlQlnd8blldnISSlndIOptIVBnlenvd81.lIIIon5uahlndabledness.8nvdelaull
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MORTGAGE
(Continued)
Plge 4
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undlf 11\8 lnsllumltlls evidencing such Ind8bledusl, or any de'a1M undef' any wilily docum_ fot lIuchlndsbllldneu.
No MGdlllc;lllon. Granlor slid Mllnlor lllIo any agrellll'll'" wllh ltle nllld8r of anv modaege ICIf 01.... lecwilW'lgIHm8nl wtlID!l hu lMlority over
this MOltgagl by which lhIl agr&enlenl "modlft8d, Ilmendsd, uItrldad" or len.wlld wllhouIlhI pdot wdIIlNl COfIMfd 01 Lander. dranlai.h111
nllllller reqUIII nor accapIany MIQ advancis IInd8r any such nouritr agrllmlni wfttIouIll\8 prIgr wflHIft CCNlIIllI or ulld",
'. CONDEMNATlDH. 'TIle klllllWlng p~ "Ung 10 GIHldemnallon ell'" .fIrDt:ledy.,. I pili of Ill" MorIgIge.
. AHlICIIIIoft 0' Hat Prac:ucfL "all or any pall or IhI Prap.tr iii oondtmned bv' amInMl dOlN/n prclCIlHIpOIot ~, Inr PIlUaCIncI fit purctllll
In 1111 olcondlllllldon....ndIt IN'.'" IIIolIan rwq,un 1haI""anyportlon oflht _pracaadlllf bIIaw.n.blanlilldl,a_~
ar 1hI,taP* 0I.1l5Iordan """ Pioparty. n. '* pnlOMdI 01 t" IMIMIIhIIIMIn Ilia award alltr payflllftl of 1M aGlwllllllll. .,..,...., IIIlcI
a~""InGlImld,byLlndarIn....nllCllOrlwfItIlhlCOIldIm,..Oan. ,
proceecHnp. II ~ PI'OCM.dlnQ In cOndlfll. Rl!llan 11__, CJtI,nlaf aNI ptampllr. noIIIr lendar In WliUng. and..... ahd JlIClIIIPII1la1c1luclt
Il8pIa. ma~ &Ie neoasarylo dIIand lhe lIClIon and oblaln 1M 1WIIrd. GmIIat maj ba b nomInII ~In.... piaondng, but Linder thai be
enallecllo ~a"ln '110 ptOC8lICIna and lO.be repnunled In"" pnIOlllclng b1ClOU11111of III own oh", and StanlOr WII dehIt or cause 10
ba deIlvared 10 Land8t ,UGh InslnimrinlllSIlIIY be reqUIIIIId bJ 1\ rram ImlIa lima 10 permH luch parIIllIpaIIDft
IMPOSITION Of TAXES. FEES AND CHARGES BY GOVERNMENTAL AUrHORmES. The following prowIsIont; IllIdng 10 00\IIlIllIMllIa taxM.11III
anClcharge..,.aparlollhls'MlIftg.gs
Currenl ,...., Faa. IIIld CnllgeL lIpan raqlllSl by Lendet. Gr.nlor shill tuauSllUl:h documenllln addlIIon Ia IIda MortQqIand tall.
whel8var oIhet acllCln .. tlqll8lllld by lsndlf 10 plIIfBaI and o:an1h1.. undafJ lien on I'" ,.... PrClplllty. Grlnl...... hlIn:Ibllllt LInder Jar II
IBxerI. II dHcdt&d be!ow,logOU\Iw wIlh II up,nl8llnaurnd In nKXN'dng, p"ec:a~ 01' canlnulng Ihb~, lnGIudll'lII wIItlDIII MmlIIlIon"
lU8t, !eel, docuniInIaIy 111"",- and oilier chIIV_lor IliCGrdng rI reglllalIng IhII Monpg..
Tu.s. TII8 l~ng .hll coriIIIIu~....1o Which II)b hoJ/lIn app_ (I. alP8llUla IaIl WKIR Ihlllp allIOl1gagI ot upon dor MY put 01
the IndeblldnH.MClnd bylhll M~ (b) asplCllll: 1M on Gtenlor WNet!, Gnlnlotll'~llIIzed or ~w.d Ia dHuoI hm psrmsnllon Iha
Indillll.dnllIllIlIIlRId by 11I11 lyp,a III MClFIgI&IJ, (el. Iu on IHt type 01 MDi1gaoa ,otwveobIa spIft11I'" undll' or 1110 hokW Ilf IhI Cr8d1l
"",..l1IOIIIj and ld)' spec:Ifto IIIl on III or any pDrllon cillh1lnd8b1ld1Mlll or on'plytnllntl 01 plfnclpaland,...... _da by Granlar,
SubMqvenl Tu.1. II any lilt to_WhIch thl. HlltIon spplkllls .....d 5\1bsaqilenlla IIIe dill allIQ ~DIIgage. IhIIlIY8nt I"" haW IIIII.me
elleel II .n E\tm aI a...", In dlftlllla below), .nd L8Ildlr IN.)'''''.nr or III mill, avaHlbll remadel 'CIf' an EvenI at'btllull n pravtded
below unIH. ar.nIor 81111II (II plYS IIIe lax b,'cn II b8cDmeI dllInquenl, or Ib) conI." tile 'IP u PRMd8d lbowr In tha ,.... and l.Iena
S8cIIon.nd CSIIpoIlII wllh lArlcllr cun or. luJIk:llnt CGrpOl'&Ie lure" bDnd CIf' Glhar 18CUII1y Sllsfacloty IoLtndw,
SECURITY AGREEMENT; FINANCING STATEMENTS. The lolIlIVo'Ing prllllldans re/aWng 10 Ihls Mor1QIge u al58Glll'llV agrJ8fl'I8/I\ arl a pan 0I1hllI
Mortgage.
Securlly Agreemenl. ThIlll1JVumenl "'all constIlule a S8C1~ agraamenllo IhI e..ny oIIIlI PropertyGDIIIUIIIIH IlIlureI or Ollllll' personal
propertr, Ina Linder shal haved 01 "'.""hls at. secured P_ undlr 111I Unlform Commlll'cIaI CocIa as .mandad tram lima 10 lima.
S.curlly Inlerell. Upon r&qUMI by lander, OranlClf' sh.N _EllIe 'N1~ng 1lllem8lllll"d IaQ whal8vaf' aIhar don" raqlallled br LandIt 10
pllriaclsnd conUnu. Llf'ldw'IlIGwIIy 11I1.,11 In In. AanlI .1Id P8rSOnII Property. In aOdIIIon to rtlIardlng IhII YorlQl,lln 1/11 ... prllp8lty
recorde, LlNId8I' m.v, al anr IIrna Ind W1l1'1oul furIh8r aultlorllallMllram Grantor, m" 8lllJOIIIId caun~"" copIilI or IWPfociualDnl a11h11
Mortglgl .. a nnanGl~_ ,taI.manl.-, Grantor shaI fIIlmbUllI Lendar for III pPIftIII 'I~ 1ft pllfaollng, or conllnulng IhllIIOldr 1I\\8l'1IL
Upon dalaUII. Granlor .~ IAlmblIIlhI PersOllll Prope", In a mil"" IIIId I'a pI&llII rOUDnlbly CGlMlnIInllo Gran and LandIt 1M 1IIIk. I
eWlllable 10 Lender wllhIn IIV'H ell) days aIIer fK8lp1 01 \IIfI11Dn .....,.a from lIndIt.
Addre"I, Till mallno Iddrea.. at GrInIor (dllblor) .nd Under (MlIur8d pMy), hm whlc:h lnIorfl'llltlon concarnIng IIMI ~ Inknst
grl,ud by 1111I MClI1geIl8 m.y be oblslned (UCIl1u faqulrld by Ilia Uniform ComrllllrClll Coda), III ullallld onlha'" plQeallNll Moftpge.
FURTHER ASSURANCES; ATTORNEY-IN-FACT. 1M lllllowlng prcwIIIDN raIaIIng 10 lwthw UlUFanoH and alIomer-ln-falll III " pili of IhIlI
MOIIgaglt.
Furlher AMI/raneea. At eny lima, .na from UIl'Ill 10 111M. upon reql/eII cI Lender, Stantor will me. lIlIICLIla and .... lit' 'Wit nuu 10 bI
mid... ulICullKl or clDII'I8Illd, 10 Lender ar to land"" deslgne.. and Wban faquaslad by len,dIr. ca.,sll 10 bl IIIed. 'racordId. rellad. at
fGl'lCordad, III 111I CUI moy,bl, "lauch ~malancl' In lI,ICh.ollcelanc:l plac8IlS,lAnd8rfJlly,dlllln~18, anyllld "uti 1ftCIItgagae,
dllllds 01 M~ ~~ clHdI, S8N11y 1\lf8lIIl\IfIIL lnanclng ..."""~ GOIiItllI..,ulilltman.lI, InlIllviriinll,~OI,.",hIt......,., CIItI!Ica_
Ind oIhIr dacumanll u, may, ,11\''''101I opinion all,endlr. bl '*"IIIY 0# ... 'In order 10 '~Ja. compIISa, plfleal, conlinlll, 0#
praserve (a) 111I ablglllol'II or GranIorundllr lhl CredllAar..~,1tiII ~,IIld;,U.AIIIIBd~maNl..and (b) 11Ie1llnl.nd 5lllIwIIr
tnlEtfnls c:reellld br IhII MIlrIQIgI Oft Iha PrapIll1" whelller now owlllld O#......nar ecqillr8d by Gr,nIot.: UIlIIII:prohIbIIed by IIw at 1'-"
IhI con1m)' by lender In wrilIng, Granlor Itld relmbLnll Landar tor II COlli and pPanSn Inllun'ad In connact1on with till malletl ,.,.".6 10 In
lhlfplll'lQraptl. .
A110lnlJ-In-f'ocl. II Granlar IB.s 10 do In, of IIlI IhI. flferre6 10 I" Ihe pI1lClIdIng palBgrepn, lander m., ~D 10 lor and In IhI IIItnll III
or.nlor.Ad al arlntor's u:pensa. For luch plM'pDlft, Of.nlot tIIrttIr' Irravocably appoints Lender.. GrJnIof't aIIarn~racI far 1IlI purpou
01 making. 8llICulll\ll', d8llVllr1llg, ftNno. recordIno. Ind dllll'lCl d oIh.- lIIInos as mI, be nllCllSW)' or deSIlIbll, In L.andlf's _ opinion, 10
lICCDmpllsh lha Nlln r.,.".d loin lhI precedll'lll paqgrapn.
FULL PERFORMANCE. II OfInlor pi" II IhllncSliilllldness whan d., Iermlnltes!hl crHllllne sccounI, and oitIII'WIIl pelfOllllS II !hi Dbl\gIIIoM
Imposed "Pan GrlnlOI' undlif IhIlI MarI;alla. I.t"dw SIlII Dll8CUta and delMr 10 Branlor. '~bIa IlIl11lac11G1l D11h11 Martgaaa and Iulletril &tallmenll
ollermlnaDcrn of lIlIY nnlncll'lll illllmlnl 0" ale avIdInc:tng unde'" _LWIlV Inlnst In In. RIIlI. Ind !h. Personal Propany. Ofinlcr will ,.y, H
parmbltd by Ippllc.bla IIIw. anyf8l1onabll .-mInlllon 181 IS del8imlfWd t1yLlfldef!rom "10 1I1IllI.
DEFALLT. ElCh ollh8 IllIoWIng, alltle opNon 01 Lend.., IIlaII eonllllllla IlrIlVlnt aI dll.ul ("Evenl at Dellull") IIIIdrw INs "_eel (I) OrIlnlor
oommlle lraud or mlkH I meI8rIal m!srepraenlallon alany lime In oannecllon wIIh lha Gledll One.ccovnl. 1Ns CaJllnoIuda, lor". I _
sl,leInenl aboul Grlnlnlncoma, 1SI,1a,:lIIbiIIlItl, or Iny altllr Uj:l8Cll aI Brenlllf'lllnanclal condlUon. (bJ,Pt'enlol',does nllllllllllN "PIymen!
l8flnlollh.cradl'hl~t. (O)GriI'IoI'IIllIlon or lnacllon ~lIIylllecb 11180llll.larlllorlhacr8crltlnI'lIlllGUnlorLander'lltghlllnlha
coU.terat. ThII CIInllloluda. lar _mpli, lilklre 10 malnllln req"'d Il'llurallCl,'w.sla or dnltucllill UI' of IhIJI cIwaIIl'IIIo "'11'810 pa,...... death 0111I
pellOrlli llabll DIl VIIlCCQUnI"traRlhlr 011111I Clf'HII Ollhe c1WllIMng. cr..llon ofa Ban on the dweIllng wlllloulLlndar'l pItIniAlon.IOIICIaaure bV IhI
holder 011110I"81' Ken, or Iht lIIe oIlunds or tilt dWeIIng lor prahlbllld purposn.
RIGHTS AND REMEDIES ON DEFAlJLT. UpDn Ih. OCCVlI'ellCII alanyev.nl 01 Dllllul IndllanyU,.,. Ihar..llllr, Laaclllr, .1 lis opIIon', 1RlI, 'Klnclse
any ClIII or III01lI 01 ihlloI~lng r1gtlls Ind J8Jn8dles.ln addlUon 10 any other "ghll ar remades p,oIllded by 1Iw:
ActelOfel1 IndebledneSl, SubJec:lIO applicable lew, lBndet Ihall have IlIe t1g1\1 a1l1s cp\lon wllhoul ilOllce 10 Grlnlor 10 dec:laAl Ib8 .nUrl
Indlbledn8SllmmedlatlllydllllndPllYlbIa.
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MORTGAGE
(Continued)
P,ge 6
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UCC "emlldleL WIlt! respet:llo I" or I", p'" Ilf lhI' hnonII Properly. Londer SNt "'VII .. 111II rfghllloncl ..emudlel_ of II IeOImId pi"" un'"
lhe UnIIarm CamFnlll'l:lll Cadi.
CoIIIIC'''llnll. Lencl:wShalhlV9lheflghl"wllhDVI noIIce 10 Gran. IDI'.lolllkl po. .....n DIU. PrqpIrtJ. . .nd:CDIIclcI.........ItIllIulIng.mounls
p..1 dllllll'd UllllkI,_ and IP,*, ihI. ",.1 prallIfl:II, over ItId,lbOvII Lend8r'. . CllIII. .p1nt1.1M Ind8bI8dnesl. _In furltIan.1'IllI oflllllfght.lAnd8r
ma,,.quIre any'lel:-"' or Dft\Or UI8I' oIfl1l1,PfGptIfrIo.I PlymlnfI,afrlnt _.. r.a dlnlclftfot.ll'ndw. Irff'll:Aiitl!llf8 cOIlIGIttcf'b1Und1tr.
than GrlAiarlrrmicably,.lana_Ll_u Grlnlln .11~1Id'loendlll'l8ln1lfu/lll"","~,",..."..nlnIoroilflnlhe..... DI'
Granlat IfId 10 nogallale lhI.IInllI .nd caIIcllhe prOcIIdI. Plirmentl by 11:_"'11I' aIMr .,.10 \.an_ _In ntSpCl.... 10 lAndIr'I dImInd shill
III1a1y 1,* obIIg'MDIlIIGf':.whlch lhi pQlrllnll.. midi, w"'"* DI' nal any proper grovndllcir "* dtmlnd-1ldIIed. un.... fIllY' 8llIl1IIM '"
rfghl5 undllr IhIIIUbparlgntph 8ltbllrln plIIHft. bW' Ipnl. 01' IhIw;h II recaIvw.
AJlpolnlRectIftr. LIInd.'halhI"'~.ra.. M. I9haVl'f'OQ.IllvlrI",C!lnted.. ,Ioleb.. ...._. ",..arl,.,t1l1for.Ih9Pn1DerlY,wIIb,lhIPGW8I'10.
Jl(flleel.nd pNSIiMt,I!te Prq\eIly,lo optIIl8lh8 ProperIr IJI'8CItlnI fciriIcfosul'I Ql' cmJa.'.nd: ID,CllIIIaIlIIe Aentt from IhO'PrDpgrIy Ind ~ hi
P~. DI/lII' and,lbllft lhe CDII of 1hI','r_v_hIp. ....JInsIlhe Indlll;t1idMiSL ,... NCllhIer """W",,,...,wlthOul bDlld II permII\ed by..
LInd'" rfghl10 IhlilppolnllMnl OIl ieolWIr ...1"uIiI:wI'IIIhIt or nonb.:;-*ppanm1 'VIfut of 1M !'nip'" 8lrcHrfIlha 1n6lbltlcfNu by II
s\lMlanlllll/llcunL Employrrl8nl oW' Lendllr .baU nol dlqudl)' I pllfIOn Pram.iirvIng II I fllllliIMtr.
JUdlel" ForlclhUr.. lIndw "'IY-DblII,n 111I'dIcII1 dHrH kncIosIng Grl;n1or'1InllreslIn all or l"'paII Dl'lhti Pl'GC'ertr.
POSICIUlon 01 Uti Prop.,.. FQf' 111II purpOM 01 procurlllQ pllIHUkIIt 01 111II Prop"". Gl'lft....,..ulhartzn Ind elt\plrw8rllny Inl;lrnlJ' 01
I'" caliri at I1lCQ'd In Ih. CammDnWllllHh or Pelll'1l)MnI. Dl'~. U lnon,ey-fOl' IAn" Ini;t II plIr10llI cJalrrdng vncI", or Ul'aughLmdlr.
I. Ilgn In Itll'MnII/lI,lOI' InlerlnQ In .nr,camptient courIln Imlcable ~ In 'iIjeoImBi1Il~ ,p,nHQkin Cll"thI PraDertr- and fa appMr lor Ind
confeU ludgmellllgalllll Granlor, Ind 'Olllnsl""ptrsD~ dIImIng vna Ot 1tI1'DUQb,BrlnlDl'.:Iar-lhli I8DOvery byUndIlr or poneulGn or""
ProperlV. wHltOlIIl'rrt III, or tJ:llDUlIon.lllI'wh/Qh IhII Morfgelll, Qr . copr ollh1t'M.~e Wl'Ihd by .1IId1v11, shill be asulllc:llJtl werqnl; Ind
lMraupon I wrllol .rmsuslon !hiy bllssllld IOrIhwIIll, 'MllhOvI.", prior will Of procHdfri\jI WhlIs08Y8l".
NonJucfJcilll WI. II permlllld bW' eppl!clblllaw.lIrtdar maW' lorecIose Granlor'l Inlranslln d Of In..., psrl of Ihl PersDnl1 Praplftv or lhe Rllllf
PtOP"'r by non}udlclIl1l1l.
o.nclllncy Judam.nL lllndsr mar oblaln lludQmenllor.ny dllllclll'q' remaining In Ih8 Indlobllldllftl duela lend_ In.r IppkllklR 01 all
IUI'IOUrils recal'lld from Ill. pero\p 0I1h1 nDhI. provldld In tN. sectlDn.
T1nanCr If SUfferance. "mlnror lI.....inlln pDSSeMlan of /fie Property lfillr 1M fI'nJper(y ... IOid u prpIdlld IlbaW Of L.-ndIr ~
becomes Inllll4ld 10 ponllulon 0I1h8 PropllfY 1I$)llft dttlaufl 01 G,.nlOl'. GrlnlOl' lhall baoom. I 1IIIInlII IU__ of lander or till purchuer 01
ItIt PrOj)8l''' IRd IhaJ, II Lend.'. oplloll, IIilho, (a) p'r a re__ble runllllar Ih8 IIH ollhe ProplrtJ. 01 (b} VBCllllhll PlOP'" Immldhalalv
uponlhedllnlnltoll,,"rfIr.
Oll'l.r Aemeltln. Lllrtdllr shall 0011'I II alh81 rlghls Ind rernlldles provtded In !his MortglgB or I'" Cntdll "oree"'l", Qf' available II law or I"
lKIully.
Sill or Ute Propartr. Ta the ..lenl permnlld b)' Ippllc&blelaw. Granlor herebv wllvls In)' ind III ri;hllo nave IhO properly mat"INhc:L /1'1
&qroIaInolllri;hll.ndramldles.Lendlrllldb.fnleloslllellll'....,pllloflhllProplrlylag.lhetOl.llpanlla/y',ln QnEllIlIlII'bylltplrlle
YIlls. lsnder Ihlll "Inllllld 10 bid a1lny pubic sale on II or I"W' portion 011118 Prop..,.
NQllclIlII 5al'e. lendlr shd GIve Granlor r.50"lbll noIIco, orlhl ~mo end pIICI oIel1)' public _ of Iht PerlI1Jne,I Propertr or D1lh1l.... lner
whlch- my prlwle .,. Of Ilk w.n~ ~ oIlbt PirsDnaJ Property Ja II) bl tnad.. Unless OIhmwIse requlnld by IppIIcGbIe IlIW.
FlISO"-tJll noIIce shl8 mlln "ob g/vltn .lleuIien (10) up belo~ Ihl Drne OUM SlIII 01 dll1'OslUon.
W"verl Eleollon 01 Aernerfl... A w.lvlIr_o,'l\Vparly oil br9actt 01'1 provision 01 Ihls Mcntgage ShlDneloonsllMel Wltvor oIorpr1llU1llcllirl
party'$ rig"" o\II-'selo dllmll'ld IlrIoI compO'1'IlIII wIll'1 lhel provision 01"'" D1I1erProvtsIDh. ~br L.nder-to _PUl1ltlrt IIlrrlll'lllb' .11I. not
lllCdude pUI'IUn clln)' oilier rerRlldr, and'ln Ileotlon 10 m.ke llllpflndllUrel or IIIke ~lIoiIlO perfamt III oblglllon .(!1-Grt.f\1or undll' IhII Mltlfgsp
ufter 'Illure 01 Gflnlor 10 IIIrlotrn shlt not aIIl1Ct Lend"'l rlllhlla dlJdDr. I dllhtulllll'ld 8II8I'CISI lIs'l'IlnIdIlls und8r:,lhIi MO:rt;allL
Allarn.,,,, F.al; EI9InseL lIl.endwlnslftulllS Irrt sull or ICDan 10 enforce II'IW' or llIe lllrmI 01 lhit MlII1gag1, UndIrshllll bII enllDod 10__
.uah sum IS the court maW' adJudot reltORlble ,II allamlYS' las. IIIrIB$ Ind OJ....", ~ Whlll.',QI'-naIlnr COIhI lcUon Is lnvaImI. II
tIISonable..tJ:penlll.lllC\ll'ttdbrL.ndltlhll"'Lendlf'lopl. ,n1antrf'nec8lll". ...... ".ITI8..forlhl. P~l+alllI. ',lnIntlorlh..nlon:trnanlol
". rtohls wi bICOII'II. I PM of !hi hldlbllldndl plIrt1b11. on _. .". d"'nd.lha1l bll' lnlirul. """',.1'" d. '. It 01 i!iPtndlIlIIt vnII rlpald.lllhl
Crldll Agrwmllll rl". ~ eowirlld bW' IhII par'grlph lncIuf:t~ wlUloul'IlmJllblln, h~ I\IbJlI!lt 10 anr II. uncf.. eppIIcable IIw,
~ill~_und~I8OII..~wIieIIllrrOlIlOl'lhai8,-,.,'~_MuIJ,:~,~'~~lIJ'bmuuplllY~
VncIudna Illorls 10 II\\ldll)' OI'VJCIlel/Waulallllllollt, or hlfvncUor!),:IP~'llftd:'nv~fICl(iIl...'p~~"'collaoUon....MCH.lhtcoslGl
'BIrC"'ng recol1fl, oblalnlng,1IIIt flparb (Incl\ldll'llJ foreclaSln repor1l), .1II"o'lirOIs',repai1i'l!ind:~ lOlI, and tllllll\$Vllnot.lo1he plenl
pll'm1l1od bylp~,t'Iow. GrI'nllll'llsDWllplyenvCOUJtCGIIl"ln addlllonlD'lInO'lmrMlms priMCIid bylaw.
NOTICES TO GRANTOR AND OTHE:R PAFrnES. Un'm o!hllrwIH prO'Vldld b, appllaable law, anvnoltol undwlhls Mqllle Ihul be In Wflllng Ind
shin" efflCUve_when aclually'daHvored 01',11 fIIIIll8d. .hlll be deemtKI 81lec11ve wIIIn deposllItd--In Ihl Unl~'SIak!l mal 11111 Glast, tegI....d mil.
potlllgl prep.ld, dl,*,,&d'to lheaddresses shown ftllII' 1M, ~I!lng or IhIs Moi1l1'ge. An1 pcrlt'-maydllnCl\l'l\s BddnI!ilI for,lIIIlJcn IIN* IhIs
MorIgI1I1 by glvl"9lt1n111lwtlnln notlc.la I'" oIher PlI~~~ng: thll1he P"'Pose allhll nallco II1ochl9 Ut, PDl:IY't addteP. 11 _In 01
naUClls of flll'aClolura IryHn Ihe tloldlf of art)' lIan whlCh has prlGrlIy D\IBI' thlt Martgaga. llIId nDIIcn pUllUanl-42 Pa. c.s.A. SllClIkln 8t43, II lillo, Ihlll
be SBnt 10 landlr"llddrns. lIS lhown nllllr lhe blglnnlng ollhb Mortgug8. For noUce pUrpOSDI, Granlor a;niea to k.p Lttnder InformI!Id aliI limes
or Granlor'scurranllddnlH.
MISCElLANEOUS PROVISIONS. The followlllQ "*,fljlnIOUI pravfslans IIllI pari orlhll MorlIIQr.
Amendmanl.. ThIs MorIoege, together wll~ Irt)' Relaled Dacumenls, COnsU!UlIlS the enllnt undllll&fldlno end Ilgrellmllnl oIlhe parllll"u 10 Ilia
..,.1I1l'S .lIloi1h In UlIs MorIgIQ.. No .l\8rallon 01 01' .mendll1llnl lolhls M0I191Q.llhall be ellftUwlIlnltss pn In wrtUng Ilnd $lgned br \hg
pari\' or partin lOUIIhllo b. charQlJd or bcund by Ihlallel'lUcn 01' amel'ldmenl.
Appllcabl. LIW. 1111' Marlaa"" hu bean denV'eflld 10 LendH and lCCepled by _t.ender hi 1M Contmanweallb 01 Pen...,w.nll. Thll
Mor1gaVl !Ihllllrt govern.d IJr and conalrued In eccon:Ilftlll wllh 11'1. 11M. ollbll Camlt1DnWH11lI 01 Perlrl8J1V'anlD.
Caplla" Hladlngs. CapUon h8lldlngs In Ihll Mortglgtllflllor CC1nY1nllltll. purposa antr and.,. nolla bI uued Ie, In''rpralor d11lne lhe
ptovls!onlol Ihls Morlgage.
Merger. Thert shal ba no merger of IhI lnllll'llll or 8&1111 clQllad or Ihls Mortgage w1lh .ny alher Inllll'8sl or aslale In lhl Properly ull'" 1111'II
held by Of 101 !he bsnsm oIlsmtsllllgny CBPAClJlI. wBltOullhl wrillan canSllnllll lunder.
MUlllple Perllea. All obngaUoRt of Grantor undlr Ihls MarIg"gu shall ba JoInl and SIoVIl'B1, and IU relerencal 10 Granlllr shaft ITlertn "eh .1'Id
UYBIl' Grul'\lor. ThIs maans lhal Dach allhl ~rsans s1gnlflO bul......ls ftIsponslble lor all obl1Qallons In Ihll MorlgallL
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MORTGAGE
(ConUnued)
Page 6
SeverDDlIIIY. 11 a court 01 campelenl IU1I~lcllon 1Ind$; _ny provision of IhIt Mar1geQe 10 be Invdd or unenlorc8e" u to a", p8IHII or
cIIGt1mlllnc.. ,uch IndIngW11 nitI...ndtr tt:all provlllon IIlvIIld 01 Vl'linlon:&llblllu to Inr IIIIMf PMOnl ot cIrmnI". If IeullM.IIlV.ucb
offending prov!lfon ,haD bEl dlelMd 111 b.,modIllld 10 be wIIhIn IIIe 'm/Is of MlarcllDlfIr ot VIIIdIy; hClWlYlt, II h oHtndIna pravIIIDn ClftIlGl be
10 mDdtlled, 1111I111 bI slrlcll.n eml.1 aihal' ~vlslDIlI allhll MDrIgaglIIn II oIh.,. ...,..1hIII..maIn vdcI UCII111a1aubit:
SuccoHlR and Aulgftl. SubJecllID 1M' IIli'IlIllonI .....d In !HI MarIgagB on IIIns'" or GtInlor't k1tns1. INI MclItglglllld III bJndIIIg IlPOft
'Ind Inure. lhe,bentIIl oIlhl1 p;1I'I1IS.,1/II1r hm, peqanal repMIftIIlfves, IIlCC8SI000and usia.... II owllllflhlp 01.. FrapedJ bIcoIIlIIwPId
In I P_ oItler IhIn Grlnkir"undlr. ~1lI1Sl11fce II Gfanlar, ml~ _ wllh GrlfllO(S: SUCCIIUcn wIIh,.,.,.,.... IhII M<<tgql end ItlI
Indle.11dnass bV war Df f~ Dr nttnslon wIIhaIlI rtI8uIng blot fnlm the abIgdans allNI MOItgIQt Of Iab/IIy undlf' ItlI
IndeblHnua. '
Time IloIltllEuence. TIfMls 01 1M lIUlI'lC*lnlllaperfonM/lcl oIlNsMarlglgL
Wllven.,... eon_nil. ~ndIr;hal. AOI blI dHlMd 10 hi".. wlfwd anr rfgh" 1,llWS8r' IhII MorIgllp. (or or u"''''' Rlll.1ed DocwnenIII UIII8II
such w4IverlllnwriUng andslgned!:lY~.. No dllayor amllllOn on Iha perl 01 LandlIrIll UMlIIIng....lfghl.....optllI....___oI
IUOh,r\ghl ora.., a1hetri;hl. ,~'Wil,~~ bu",perIJ ore pnMllDII or IHI MlIffgIp IbII nDI condI1itI.. _Innl Of prefudIIaJI..PI/IfI.....
oltlllrWfllllll dame~ iIIICt oamp....-WIIh,lhaI pnMsfon 1r_1I}/ oUIer praviIIllIft. No prIor--1!IV 1.tfldIr, nor.... 00.....- or..... bIIwMn
\.~ Iomi Gm\Ior,~~Jt.~Glt.R'Id \.end8l'lriQI\II or any III &1U'lIoI"a....1IciM..1II.,Nhn........... ~
consent br LtIncIIr II ..qulracf ltllh!l Mortgagl, Ihl (II'Inllng III SUGtI COIlIlInI by LMdIr In eft)' IftIIIonce .... nul COlII.1uII GlIn1111u1ng 001\II/11 10
'Wnequ4lnllnlllllClll WMrw.ucn tlOJIHnI" reqWed.
EACH GRANTOR ACKNOWLEDGES tfAVING ReAD ALL THE PROVISIONS Of' THIS MORTGAGe, AND EACH GRANTOR AGREES TO ITS
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CERTIFICATE OF !IESIDENCE
I herlbr eerwr. thIIlhl pred18 Icldrell.olll1e fnllI1DIgee, Fermers TlU" Compenr, llereln lI.s laIIow.:
On. Well HllIh ~lr..I, CIIlII5t" PA 171113
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IVIDUAL ACKNOWLEDGMENT
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ResIding II
In "".IO;'l6i~~i~~, ~; >~ -:~": . M}' commlulllln ..ptr..
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LASfAMl' R~I1. '!~""T.I(.~""'l..~.I~~)f~"!.1 B......""".CIJaup..... AlIrl1hlln.....I.If'A-G~VANASLI!.L..La.ollLl
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tEbt~ Itttb,
MADE THE 8 ", da. of MA~CH
01 fmr Lord on' tlloll8fllld ,!i,., lumdrrd eighty-five (1985)
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8ETWEEN IRA E. MELlo anel MABEL K. MELL, hi. wHe, ot Weat
Pennsboro Townsn1p. Cwmberland County, PennS11van1&,
hereinafter called
Grunt"rs .
and LEE E. VANASDLEN and SARA E. VANASDLEN, his wite, ot
Carl1sle, Cum~erland County, Pennsylvania, here1nafter
called
Grantees ..
WITNESSETH, that in t!fmsideratio-n IIi Twenty-Nine Thousand Nine Hundred and
no/100-------------------_______( $29 ,900.00)--------------__-0.,,,....,
in h.n;nd pnirl, the T~cript lvhneuf is hert'by Ilck>>titl.'ledg,.rf. ~he .'laid gnt'ltto'rs do her,.by grant
Cll/d ronl'''" fn fAr. .'laid Df'ft7ltee S. their heirs ana ai:signs as tenants by the
entireties
ALL that certain tract' of land situated in Mt. Rock. Township of
West Pennsboro, County of Cumberland and State of PennsYlv,~la,
bounded and d€saribed as tallows, to wit:
BEGINNING at a stone; thence by land formerly of Sara Danner,
now of'Oren Kitzmiller, South 31 degrees East 7.1 perches to a
post; thence by land now or formerly of Floyd Bitner, South 65
degrees West 7.5 perChes to an apple tree (blown down); thence by
land former!y ot Levi Fallor, !lOW ot Leib Myers, South 7'6 1/1l dee;reea
West 20.3 perChes to a post; thence by land rormerly of John Seitz,
now of Earl Tritt, North 14 degrees West 8.7 perches to a post;
thence by land tormerly of Levi Fsilor, now ot Earl Tritt, North
82 3/1l degree. Ea.t 25.5 perches to the Place ot BEGINNING.
CONTAINING one (1) acre and 70 perches, and having thereon erected
a two story brick house and outbuildings. LESS, HOWEVER, a piece
of land 16 feet 1n wldtn along the West side ot the above tract;
BOOK}) 31 rl,r,r 436
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containing 8.6 perches as the same 1s ~ull~ described in deed trnm
Caro11ne McKeehan to Abram. Etter, dated June 13, 1916 and recorded
1n Deeel BOok ItL", Volume a, Page 4q7.
BEINO the same property whioh Mabel M. .Hurley MoII.and Ira E. Mell,
her husband, granted and conveyed to Mabel M. Mell and Ira E. Mell,
her husband, Grantors herein, by deed dated Apr1l 9th, 1956 and
recorded 1n the Office of the Recorder of Deeds tor Cumberland County,
Pennsylvan1al' 1n Deed Book "C", Volume 17, Pase 1.
80~ 31 FACE 437
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AND tAe ,mid Ol'fln.to,s llf'f'BbJ/ c01Ienaftt aM fJIIf'.e tluJ.t they
will 'WGn1Int generally the vropertu htrsbJ/ COtI~r.71ed.
IN W/TNES8 WHEREOF, BGilt grnntors h.a ve hef'e1l?lto srt
the dBll a"d ye/u' firllt (dmVf' writtefl.
the1r Mn48 and III'nl S
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Stat,. tJl
PENNSYLVANIA
County flf CUMBERLJ.ND
On tM., tlte
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. 19 85, bfl/o,'" 1Ile,
.'11 of
the 'faderllillJ1,'d officrr.lu'rllll11lJlly aPlleared. Ira 8. Mell and Mabel M. Mell,
his w1fe~
known If, 'It~e (or 1Ia.tiBlttCtoril'1l1Iro1JcmJ to be f.ht. 'fH'rHtJ7S whosf: namIB are ,1ub.crifJed to thfl
withi" msh,(ment, and. acknowledged that they e:r:ectlted same 11Ir' 1M pUf'JJQ88R t.h"'r"in
coftt4ined.
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!:':::~):'1N..~{'r~~S WHEREOF, I k.....~/~ k.mlaod Offi'~.
[p; t....' '. :,....,1.'...~....0.,..............~.....................~
tf. ~~t. JF; ~.) } .DGlIII. IRWI...,."JIIUC............................................................. ...
\'!'u.':.:.:..-...:- ......:./ c.uIUSU: lORD. CUIlBERlANDCGUN1Y TUle01 06€eer.
'~" '~4 ....:....-:.."....' IITCOMIIISIIOIIEIPIRESOC'I'.:r.U"
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I du h.erebll ce1'UllI tk4t tAe precUle re.idence aM cumplete p08l of/ice a.ddrelJ.
01 the withi" "amed .9n:ntees ia R'o,6d:( 'I' I ~. f?/7o 11 '
MA~~:OD;'31 '~tE ':: .......~.i4~.1..................
Attorn.. ta. ............._.................._..........................
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03/20/00 MON 12:18 FAX 570 628 9231
KEYSTONE COLLECTIONS
'.
!@'stone, ..~
Finanda~',
SEIIDERS RECORD
P.o.llOlC 1384
POTTSVlue,1'A 171101
PHONE: 1-8lllW18H304
FAX: 717.f2M231
VIA CERTIFIED MAIL
NOTICE OF INTENT 10 FORECLOSEMOR'l'GAGE
Mr. Lee E. V_diem
P.O. Box 636
Carlisle, P A 17013-0636
The MORTGAGE beld by Keystone Financial BaDk, N.A., (hereiDafter we, us or ours) on your
property located at 11 HlII Road, Carlisle, PA 17013, IS IN SERIOUS DEFAULT because you have not
made the following monthly JllIyments: $219.59 for February 10, 1999; 5246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246.65 for May 10,1999; $246.65 for June 10, 1999; $246.65 forJuly 10,
1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10, 1999.
Date: December 9, 1999
Late charges (and otbeT charges) luive also llCCIUed to this date in the amount of$O. The total
amount now required to cure this default, or in other woi'ds, get caught up in your JllIyments. as ofibe
date of this lettea-, is $2,439.44.
You may ewe this default within THIRTY ('10) DAl'S of the date of this lener, by paying 10 UI' the
above amount of$~.4j9.44. plus an)' additional monthly payments and late charges which may fall due
during this period. Such payment must ba either by cash, cashiers check, certifilld check or money
order, and made atKcystone Financial Bank. N.A., P.O. Box 1384, Pottsville, PA 17901.1384.
If you do not cure the default within TlDRTY (30) DAYS, we intend to exercise our right to
accelerate the mf111gage payments. This means that whatever is owing on the original amount bolTOWed
will beconsiclerecl due immediately and you may lose the chance to pay off the original mortgage in
monthly Installments. IftiJil payment of the amount of default is not mada within THIRTY (30) DAYS,
we also intend to instruct 01P' attorney:s to :start a lawsuit to foreelMe your mortgaged propert)'. If the
mortgage is foreclosed, your mortgaged property will be sold b)l the Sheriff to ptlJI off the mortgage debt.
If we refer your case to our attorneys, but you cure the default before they begin legal proceedings
against you, you will still iulVe to JllIY the reasonable attomey'$ fellS, actually incumd, up to $50.00.
However, if legal proceedings are started against you, you will hava to pay the reasonable attomay's fees
even if they are over $50.00. Any attorney's fees will be added.to wbateveryou owe to us, which may
also include'our reasonable costs. If you clUe the defoult within the thirty day period, you will not be
required to ptlJI allomey'sfees.
We may also sue you parsonally for the unpaid principal balance and all other sums due under tIIa
mortgage.
''''~,,-_.
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03/20/00 MON 12:19 FAX 570 828 9231
KEYSTONE COUJlCTIONS
III 007
, "
NOTICE OF INTENT TO FORECLOSE MORTGAGE
lfyou have not cured the default within the thirty day period and foreclosure proceediul!ll have
begun, yoll still have the right to CI/1'e the defarilt and prevent the 8lI1e at mry time up to one hour before
the ShuifJ'8forecl0SJl1'e 8a1e. YOII map do 80 by payillg the total QIl/ormt of the unpaid monthly JHlYlII'lItS
pluJ QII)1lote 01' ork" chllrgu thell due, a.I well a.I the reast11lll6le attomey'sfl!e$ and CalM connected
with theforeclmure sale and perform MY othe,. requiremelll8l1t1der the mortgage. It is estimated that
the earliest date that the Sheriffs sale could be held would be Febiwuy 9, 2000. A notice of the date of
the Sheriff's sale will be sent to you before the sale. Of course, the BlDDWlt 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, r:ashicr's check,
certified check or money order and made payable to us at the address stated above.
You should realize that a Sherift's sale will end your ownership of the mortgaged property and your
risht to remain in it If you continue to live in the property after the Sherift's sale, a lawsuit could be
started to evict you.
you have additional righls to help proteCt your interest in the property. YOU HA. VE THE
RIGHT TO SElL THE PROPERTY TO OBTAIN MONl:YTO PAY OFF THE MORTGAGE
DEBT. OR TO BORROW MONEY FROM ANOTBERLENDJNG lN$'ITI1ITION TO PAY OFF
TBIS.DEBT. YOU MAY BAVE THE RIGHT TO SELL OR TRANSFER TBEPRO'PERTY
SUlIJEcr TO THE )lORTGAGE TO A BUYER OR ~E WHO WILLASSDME
THE MORTGAGE DEaT, PROVIDED THAT AIL THE OllTSTANDING P""YMENTS.
CHARGES, AND ATI'ORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE
AND THAT THE OTBERREQtJlREMENTS UNDER THE MORTGAGE ARE SA'l1SFIED.
CONTAcrUS TO DETUMINE Ul'mER WHAT CIRCUMSTANCES TBIS lllGBT MIGHT
EXISl'. YOU HAVE TBERIGBT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY
ACI'lNG ON YOUR BEHALF.
I/YOU cure the default. the mortgage will be re6tored to the SQ1ne position Q8 uno default hod
oceJI1'I'eIl. Hl)WeVer, you are not entitled to this right to <:un: your default more than three times in any
calendar year.
Keystone Financial Bank, N.A.
/}vJ). ~. rcK
Mark A. MWlster
Regional Supervisor
MAMldJIn
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03/20/00 BON 12:20 FAX 570 626 9231
KEYSTONE COLLECTIONS
1i!I0ll
~tone a
Financia",
Certlflerl ArllCle UllmlJer
P "'111 c"tiPla 8 ' '
SEf!OERS R'CORO
P,Q _1384
POrTSYlLLE. fl\ 17901
PttoNE: 1'110__
f'All: 717.Q8_1
VIA CERTIFIED MAlL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Ms. SIlI2 E. V8IIlISdlem
P.O. Box 636
Carlisle:, PA 17013.Q636
Date: December 9, 1999
The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your
property loeated at 11 Hill Road, Carlisle, PA 17013, IS IN SERIOUS DEFAULT because you haw not
made the following monthly payments: $219.59 for Febnmry 10, )999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999: $246.65 for May lQ, 1999; $246.65 for June 10, 1999; $246.65 for July 10,
1999: $246.65 for August 10, 1999; $246.65 for September 10, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10, 1999.
Late charges (and other charges) have also accrued to this date in the aDlOWlt of $0. 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 S2,439.44.
You may cure this default within THIRTY (30) DA.YS of the date of this letter. by paying to US the
above amount 01$2.439.44. plus any additional monthly payment$ and lale charges which may fall due
tJuring this period. Such payment must be either by cash, cashier'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) DA V5, we wend to exercise our right to
accelerate the mortg4ge payments. This means that whatever is owing on the original amount bolTOwed
will be consiclered due iDunediately and you may lose the chance to payoff the original mortgage in
monthly installments. Iffull payment of the amount of default is not made within THIRTY (30) DAYS,
we al$O intend to instruct our anol'llejlS 10 starl a 1/JW~lIil to foreplose J01D' mortgaged property. q the
mortgage is foreclosed, YOUl'mortgaged property will be $old by the Sheriff to pay off the mortgage debt.
'fwe refer your case to our attorneys, but you cure the default before they begin legal proceedings
against you, you will stin have to pay the reasonable attorney's fees, actually incwred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may
also include our reasonable costs. qyou cure the defau.lt wirhin the thirty day period, you will not be
required to pay atto,."ey'sfees.
We may also sue you personally for the unpaid principal balllllce and all other sums due under the
mortgage.
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03/20/00 HON 12:21 FAX 570 828 9231
KEYSTONE COLLBCTIONS
."
NonCE OF~TO FORECLOSE MORTGAGE
If you have not cured the default within tho thirty day period and fureclosure pnlIleedings havo
begun, yoll still have the 1'ightto cure rill default and prevent the sme at any tm lip to one hour brfore
the Sheriffs foreclOSll1'e sate. Tou may do so by paying the toll1l 011/0IIIII of the Ul/paid monthly]NlJlll/l!nts
plus any late fP' Olher charges then dJJe. as well as the 1'f!asOT<<lble Qtlrmley'l fen and COSlS comrectet/
with the .foreclos/ll'l sale and perform any other requirements rmder the mortgage. It is estimated that
the earliest date that the Sherift's sale could be held would be Febrwuy 9, 2000. A notice of the date of
tho Sheriff's sale will be sent to you before the sale. or course, the amount needed to cure the default
will increase the longer you wait. You may fllld out at any time elCactly what the requin:d plI)'ment will
be by calling us at the following nwnber: (BOO) 895-9304. This payment must be in cash, l:8Shiets check,
certified check or money order and made payable to us at the addre$s stated above.
You should rea1ize that a Sherift's sale will end your OWllerStup of the mortgaged ~ and your
right to renlain in it. lfyou continue to live in the property after the Sheriffs sale, a lawsuit could be
S1arted to evict you.
Yau have additional rights to help prolllCt your interest in the \IfOPIlrtY. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEl(TO PAY OFF THE MORTGAGE
DEBT, OR TO BORROW MONEY:FRQM AN()"t1UK LENDING 1NSTlTVT.I0N TO PAY OFF
TIUS DEBT. YOU MA.YBAVE THE RIGHT TO SELL OR TRANlM:R THE PROPERTY
SllBJECT TO THE MORTGAGE TO A BUYER OR t'R.\NSFEREE WHO WILL A88llME
THE MORTGAGE DEBT, PROVIDED THAT ALL THE OllTSTANDING PAYMENTS,
CHARGES, AND A1TORNE\"S FEES AND COSTS AIU: PAID PRIOR TO OR. AT THE SALE
AND THAT THE OTQllREQUIBEMENTS UNDi:R THE MORTGAGE ARE SA:J:UWlW.
CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TIllS RIGHT 1IIIGlIT
EXIST. YOU HAVE TBE RIGBT TO HAVE TlDSDEFAULTCDRED BY A THIRD PARTY
ACTING ON YOUR BEHALF.
.(f you ClI1'e the de/auk. lhe mortgage wiD be 1'e,tored 10 the same position as if1/() default had
0CCU17'Bfi. However. you an: not entitled to this right to c:ure your default more than three times in any
calendar year.
Keystone FinllDcial Bank, N.A.
~~,rVy~~/
Mark A. Munster
Regional Supervisor
MAMldnn
~- ~
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1i!I012
03/20/00 HeN 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
IilJ008
&JtStone ~
Ananda"Wt,
, '
p'Q. SOl( 1384
POTJ'SVILlE. PA 17901
PHONE; 1......95-lI304
FAX: 717~1
ACT 91 NOTICE
TAKE ACTION TO SA VE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S BOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM MAY BEADLE TO HELP YOU. READ THE
FOILOWING NOTICE TO FIND OUT HOW TIlE PROGRAM WORKS.
If you need more infommtion call the Pennsylvania Housing Finance Agency at
(800) 342-2397.
LA NOTIFICACIONEN ADJUN'l'O ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA ~OUSlNG FINANCE AGENCY) SIN
CARGOS AL NUMERO MJ;NCIONADO ARRIBA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POR ELPROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASADE LA
PERDIDADEL DERECHO A REDIMIR SUHIPOTECA.
ACT 91 NOTICE
IMPORTANT, NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE EUGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
December 9, 1999
TO: Mr. Lee E. Vanasdlem
P.O. Box 636
Carlisle, PA 17013-0636
FROM: Keystone Financial Bank. N.A.
P.O. Box 1384
Pottsville, PA 17901-1384
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03/20/00 MON 12:20 FAX 570 828 9231
KEYSTONE COLLECTIONS
~009
.
,
.., ,'I
You mll7l1e eligible tor fiDaaclalllHistlmce that will pl'eVellt I"oredosure OD your mortgage
ityoa comply with the provisiuos of the Homeowaer'. Emergeacy Mortgage ABsistam:e Act of 11183
(the" Act"_ You ".y he eligible for emergency temporary assufallce ify08l' default has beea
caused by dreIUIIstaDt:eS heyoDd your coatru!, you bave a reasonable pros.-t 01 resamilll your
mortgage paflUnCs. alld it you meet other eligibility requiR!llleDCs ata:bJishedby the Peusylftllia
Bousing FiDallce ~ency. Please read aU of this lIudee. It eoataial all expJauatioD oryaur righCs.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty
(:30) days from tbe date of this Notice. During Ibal time you must arrange and attend a "fac:e.to-face"
meeting with a representative oflhis lender. or with a designated consumer credit counsellJllg agency.
The purpose of this meeting is to attempt to work oul a repayment plan. or to otherwise settle your
delinquency. This meeting IlUl$t occur in the next thirty (30) days.
If you attend a ~to-face meeting with this lender, or with a coDSmuer credit counselil\g
agency identified in this notice, no further proceeding in mortgage foreclosure may take place tor thirty
(30) days after the date of this meeting.
The name, address, and telephone number of our represenllltives are:
Mark A. Munster
Regional Supervisor
One South Centre Street
Pottsville, PAl 7901
(800) 895-9304, Ext. 9373
The names and addresses of designated consumer CIlldit counseling agencies are:
Consmuel" Credit Counseling
Serviee of Lehigh Valley, Inc.
3671 Crescent Court East
Whitehall, PA 11:1052
(610) 821-4011 or (BOO) 220-2733
&om area codes (717). (570), or (814)
Commission on Economic
Opportunity ofLuzeme County
211-213 South Main Street
WiJkes..ijarre, P A 1870 I
(570) 826-0510 or (BOO) 822-0:359
or (570) 455-4994 from Hazleton
Housing Asso. & Development
411 Walnut Street
P.O. Box 1505
Allentown, PA 18105
(610) 432-6336
Economic Opportunity Council
of Reading and Berks County
229 Fourth Street
Reading, PA 11:1601
(610) 376-6571 or (610) 376-6570
It is only necessary to schedule one face-to-face meeting. You should advise this ICII1der
immedialllly ofyaur intentions.
Your mortgage is in default because you have failed to pay promptly instaIhnents of principal
and interest,.lIlI required, for a period of at least sixty (60) days. The total amount of the delinquency is
$2,439.44. That sum includes the following monthly payJIICDls of: $219.59 for FebruaIy 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10, 1999; $246.65 !or
Iune 10, 1999; $246.65 for July 10, 1999; $246.65 for August 10, 1999; $246.65 for September 10,1999;
$246.65 for October 10, 1999; and $246.65 forNovemher 10, 1999, plus late charges in the amount of
$0.
""
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03/20/00 MaN 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
~010
I " I
..., " "
!fyou have tried and are unable to resolve this problem at OJ after your face-to-face meeting, you
have the rigbt to apply for tinancial ass~ from the Homeowners' Emergency Mortgage Assistlu1ce
FlIIId. In order to do tills, you must fill Ollt, sign and tile a completed Homeowners' Emergency
Assistanlle Application witll one oflhe designated consumer credit counsoling agencies listed above. An
application for assistance may only be obtained from a COll5Ulller Cledit llounseling agency. The
COllSUll1Ol' credit counseling agency will assist YOII in filling out your application and will submit your
completed application to tile Pennsylvania Housing Finance Agency. Your application most be filed or
poSlmarked, witllin Ihirty (30) days of your face-to-f'al:e meeting.
It is u:tremeIy important tllill JIOII. file yotll' fIPP'bont;nn JI'OlIfJltly. q,)1Ol1 do not Jo s", "r if YDU
dq n"tffJiltJw tile "tller tlme periods set f"rtIl in this iI!ttB,foreclosllU RI4JI PrtH:itffllllf/ainst yoW' i<<J_
lmJnediiztely. .
Available funds for emergency mortgage assistance are very limited. Theywill be disblll'Sed by
the Agency under tile eligibility by the Act.
It is extremely important that your application is accurate and complete in every respect. The
peonsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your
application. During that additiOllll! time, no foreclosure proceedings will be pursued against you if you
bave met the time requirements set forth above. You will be notified directly by the Agency of its
decision on your appIillation.
The Pennsylvania Housing Finanlle AgenCY is located at 2101 North Front Street, Post Office
Box 8029, Hanisburg, Pennsylvania 171 OS. Telephone No. (71 7) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaiml 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 ofInteution to Foreclose" . You must read botb notices, sinlle they both explain rights
that you now have under Pennsylvania law. However, if you choose to exercise your rights described in
tIIis notice, you cannot be foreclosed upon while you are receiving that assistance.
Sincerely, -1/1 /\ 1\/
/}1I:1J fL-' I V JkJ
Mark A Munster
Regional Supervisor
MAMldnn
~~;~
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03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
1aI013
~tOne ~
FinandaW,
I , , '
RO.8Ql(IW
POTISVILLE. PA 1 T801
PHONE: '_____
FI\X: n7.Q!&.f2al
ACT 91 NOTICE
TAKE ACTION TO SA VB YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY
MORTGAGE ASSIS,!,ANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOU.OWING NOTICE TO FIND OUT HOW TIlE PROGRAM WORKS.
If you need mote information call the PeJlllSylvlUlia Housing li'iDllDce AgeDC:Y at
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA,PUES AReTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CAS.\. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SJN
CARGOS ALNUMERO MENCIONADO ARRIBA. PuEoES SE ELEGIBLE PARA UN
PRESTAMO POR ELPROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE l'ROGRAM" EL CUAL PUEDE SALVAR SU C\SA DE LA
PERDIDA DEL DElmCRO A REDIMIR SU HlPOTECA.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOllRHOME FROM FOnCLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
December 9, 1999
TO: Ms. Sara E. Vanasdlem
P.O. Box 636
Carlisle, PA 17013-0636
FROM: Keystone Financial Bank, N.A.
P.O. Box 1384
Pottsville, PA 17901-1384
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03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
1aI014
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You may be eligible lor fiaaD~1 ~iataaee tlaat wiD preYeJlt foreclosure OD your mortgage
ifYOll comply witb, tbepl'lIvisiODS oftJaeHomeowacr's Emergeuey Mortgage Assistallee Act 01 1983
(the "Ad"). You may be eligible lor em~ey temponry auiJlalIcc iryour dellluln lias beea
caued by elreumstllaees beyoDcI your coatatoI, you f1aYe . reasoll8llle Pl'llIIpect of "lIIming your
mortgage pa)'IIIcDCB. aDd ilyon meet other ~gibil"ly reqainmqU eslabJisJaed by the Penu.ylvlUlia
HousiagFiaaDee Ageac:y. Pleasuead an olthino1ice. It eolItaias... upraDatirm ofyaur rigll...
Under the Act, you ate entitled to a temporuy stay offoreclosure on your mortgage for thirty
(30) days from the date oflhis Notice. Duringtbat time yoll must anange and attend a '~to-face'
meeting with a representative of this lender, or with a designated consumer oredit counseling agency.
The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise setlle your
delinquency. This meeting must occur in the next thirty (30) days.
If yoll attend a face-to-face meeting with this lender, or with a consumer credit counselillg
agency ideutified in this notice, no further proceeding in mortgage foreclosure may lake pI_ for thirty
(30) days after the date of this meeting.
The uame, address, and telephone number of our representatives are:
Mark A. Munster
Regional Supervisor
One South Centre Street
Pottsville, PA 17901
(800) 895-9304, Ext. 9373
The names and addresses of designated consumer Cledit IlD1IIISCting agoncies are:
Consumer Cn:dit Counseling
Service of Lehigh Valley, Inc.
3671 CtesceDt Court East
Whitehall, PA 18052
(610) 821-4011 or(800)220-Z733
from area codes (717), (510), or (814)
Commission on Economic
Opportunity ofLuzerne COWIty
211-213 South Main Street
WiJkes.Barre, PA 18101
(510) 826-0510 or (.800) 822-0359
or (570) 455-4994 from Hazleton
Housing Asso.. &: Development
411 Walnut Street
P.O. Box 1505
Allentown, PA 18105
(610) 432-6336
Economic Opportunity Council
ofRIl-ding 8Ild Berks Counly
229 Fom1h Street
Reading, PA 18601
(610) 376-6571 or (610) 316-651[)
It is only necessary to schedule one face-to-face meeting. You should advise this lender
immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly iasllllJments o~ principal.
and interest,.IS required, for a period of at leaSt sixty (60) days. The totalBIDount of the clelmquency IS
$2,439.44. That sum includes the following monthly payments of. $219.59 for February 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10, 1999; $246.65 for
June 10 1999. $246.65 for July 10,1999; $246.65 for August 10, 1999: $246.65 for September 10. 1999;
$246.65 for ~tober 10, 1999; and $246.65 for November la, 1999, plus late charges in the amolDlt of
$0.
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03/20/00 HON 12:22 FAX 570 828 9231
KEYSTONE COLLECTIONS
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!fyou have tried and are unable to resolve this problem at or a1b:r youdiu:e-to-fiu:e meeting, you
have the right to apply for fimmcialassisbmcc from the Homeowners' Emergency Mortgage Assisllmgc
Fund. In order to do this, you IDIlst fill out, sign and file a completed Homeowners' Emergency
Assistance Application with one of the designated eonsumer credit C01lIISe1ing agencies listed above. An
application for assistance may only be obtained from a COIISWDer i:mIit c:ounseling agency. Tho
llIIIISlBDer credit oounse1ing Bgency will assist )'Ou in filling out your application and wiD submit your
completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or
postmarked, within thirty (30) days of your face-to-face meeting.
11 is u:tremI!ly importlJllt tilat yo"frle yolU' tlpplicationprDfflJltly. If YO" do not do IItI, '" if}OII
do ntlt/tllltI", tile othq time puitltb set/tlrtlI in tIIis leJter,forl1ClfJ1lurtl mlV' proceed agtIimt YOIII' It_
inunet/itItely.
A vailablll funds for llIIlergency morlgBgc assistance are VeIy limited. They will be disbursed by
the Agoncy \lDder the e1igibili1y by the Ac;t.
It is extremely important that your application is accurate and complete in every respect. The
Peilnsylvania Housing finance Agllncy has si1cty (60) days to make a decision after it receives your
application. OWing that additional time, no foreclosure proceedings will be puISUlld against you if you
have met the time requirements set forth above. You will bll notified directly by the Agency of its
decision on your application.
The PenD$Ylvania Housing FinaJlce Agency is locaaxl at 21 01 North Front Street, Post Office
Box 8029, Harrisbll1'g, Pennsylvania 1710S. Telephone No. (717) 780-3800 or 1-800-342-2397 (toD flee
DlIIDber). Persons with impaired hearing can call (717) 780-1869.
In addition you may I'llceive another notice from ~is lender under Act 6 of 1974. That notice is
called a "Notice offntention to Foreclose" . You must nmd 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 bll fon:closed upon while you are receiving that assistance.
Sincerely,
~(J.,
Mark A Munster
Regional Supervisor
MAMldnn
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KEYSTONE F'INANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS
Plaintiff : OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
LEE E. V ANASDLEN alkJa LEE
E. V ANASDALEN and
SARA E. V ANASDLEN alkJa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM
2000 ! ~ 7. 8 ~ r~-l~
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 OmCE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LmERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
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KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYL V ANJA
v.
CIVIL ACTION - LAW
LEE E. V ANASDLEN alk/a LEE
E.VANASDALENand
SARA E. V ANASDLEN alk/a
SARA E. V ANASDALEN
Defendants
IN MORTGAGE FORECLOSURE
CIVIL TERM
PLAINTIFF'S
1ST AMENDED COMPLAINT
2000
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 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013.
2. Defendant, Lee E. Vanasdlen alk/a Lee E. Vanasdalen, an adult individual, and
Defendant, Sara E. Vanasdlen alk/a Sara E. Vanasdalen, an adult individual, are husband and
wife, and reside at 11 Hill Road, Carlisle, Cumberland County, Pennsylvania.
3. On or about November 6,1992, Defendants made, executed and delivered to
Plaintiff an equity line agreement and a real estate mortgage financing Fifteen Thousand 00/1 00
Dollars ($15,000.00), a copy of said equity line agreement 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. Lee E. Vanasdlen alk/a Lee E. Vanasdalen and Sara E. Vanasdlen alk/a Sara E.
Vanasdalen, are the sole record owners in fee simple of said premises subject to said mortgage,
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by virtue of,a Dejid,dated March 8, 1985, and recorded in the Cumberland County Recotder's .
Office in Deed Book "31 ", Volume D Page 436, 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 February 1999,
March 1999, April 1999, May 1999, June 1999, July 1999, August 1999, September 1999,
October 1999, November 1999, December 1999, January 2000, February 2000 and March
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 9, 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 9,1999, a copy of which is marked
Exhibits "F" and "G", and attached hereto and made a part hereof by reference,
9. By reason ofthe aforesaid default, the entire principal balance of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, with interest thereon at the
rate of9.95 percent per annum computed from December 28, 1998, 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 due
to 3-20-00 $81,407.47
(Erroneously set forth in prior complaint, the correct balance due being the following)
A. Principal amount due
to 3-20-00
B. Interest due
to 3-20-00
C. Attorney's Collection fee
$81,407.47
1,389.57
704.85
TOTAL:
$ 14,801.92
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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 Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, together with interest
thereon, costs and all other amounts advanced by Plaintiff.
. am A. Duncan, Esquire
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
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I, Jack V. Hutchison, hereby verilY that I am a Sr. Vice President of Keystone
Financial Bank, N.A, that I make this verification being authorized to do so, and the facts set
forth in the foregoing Complaint are true and correct to the best of my knowledge. I
understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section
4904 relating to unsworn fllIsification to authorities. q)
~/O
ack V. Hutchison
Sr. Vice President
Keystone Financial Bank, N.A
03/20/00 RON 12:16 FAX 570 628 9231
K?YSTONE COLLECTIONS
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EQUITY LIlliE AGREEMENT AND DISCLOSURE
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03/20/00 MaN 12:16 FAX 570 628 9231
KEYSTONE COLLECTIONS
~002
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EQUITY LINE AGREEMENT AND DISCLOSURE
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tbtTCItd.t lISelftW IOMI. wetrlllftlOUnclI__...... 0.01h., To.......... P'!l....----...... ,....~..,.........II
the VlII~d ...1ndiar..1hM ... ~ _ """ Ib1 '2 (~.. fo.... ..........~ACl:RAft'..I!IIUIipIJ.. ~ ItIdIIIr II
lmvnlfllyl. fftlt;_uII_ .,.,AIIMlJAl..IG"CGkT~HR_1E 1'JIaMNU&~_RAlI!lftC6/dIIJ. .,..... PO "'....CIIlIIfI,
"hi P8rrodc RIi1I' _ Ole Cl:l1~ ANIIUAL rf.f9C8fT.-a! RaTE 11II WIU 0.. &.I... WII ....... at ..... 1M .,.. ~ Ill'
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03/20/00 BON 12:17 FAX 570 628 9231
KEYSTONE COLLIlCTIONS
1i!I003
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EQUITf LINE AGREEMENT AND DISCLQSURE
(ConUf\UellJ~
Plgo 3
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RATf$ MOle TJtE'DlSCOUU PDUOO
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AB8IlMCes
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03/20/00 MON 12:17 FAX 570 828 9231
KEXl1TONE COLLECTIONS
III 004
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EQUITY LINE AGReeME:lT AND DISCLOSURE
IConlinlltd)
P.~4
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tet",""" '" You. 11 yOU eanetl JOl"!IQ.... b Q'tOI........... ~,.~ J\1II nrAt naefr us.~~... -=..... E'q:,Qy""" rJOtck
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RECORDATiON AEClUESTEO BY:
rw:;.::n:r :'. Z:ECLEIl
REC0l10W OF DEEDS
Cur.i!;t:.Li.J:D COUNTY- PA
I"_.,.TnllSIConllN'ny
On. W~s1 HIgh Slrul
C.rlf.hr.PA 17013
WHEN RECORDED MAIL TO:
FllI'mllt.. Trual ComPMY
One We" Hlgh Stt'f:el
Cllrl1alll,PA 17Dta
'92 NOU 19 AI'I B 17
SEND TAX NOTICES TO:
leI) I!. V.naadllln. 8/kII Lee Eo Vllnasdsh:n, s.tr. E Y4fTll$dJen
.and llIkIa SIlI1lE.V.nllsd".n
4DIJ NOble Blvd.
ClIrll,le,PA 17013
SPACE ABOVE THIS liNE IS FOR RECOROER'S USE ONLY
~I
....
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OPEN - END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADYANCES
THIS MORTGAGl: 15 DATED NOVEMBE.R 6, 1992, between lee Co Vanasdii!n, a1kI Lee E. Vanaada113n, Sara E
Vanosdlen and aJkIa Sara E. Vanasdalen, WhOIJ8 ,address ls 400 Noble Ellvd., CartlBhr. PA 17013 (referred to
below as "Grllntor"); and Fanner. Trust Company, whose address Is One. West High street. Carlisle. PA 17013
(re[erred lo below 8S "Lender").
QRANT OF MORTO"GE. For valualll. eallSldllrllllon, Grimier grants. 1HlrgalnlJ,. RIIs, convey_, 8Afgn..lrea.fa.... n1IlIlMSo conllfml and
1\101111811..10 Llndlr" gl Gtanlgr'f, lighl. W.. and II'lI_11n and 10 Ih. following dNCrlud IDa! prqIOity.logltll\ltr .vtlh.. tIllbllng or lubsDqu'l'llly
DIlIClod or al/llaild bUlldlnlPo ImprOVl:llTllll'lU; one! ~... sIroell, 1DrIa, a111lys. paISlI!l:II" and ......y$:' all lIa..lTMlnID,. rtgh\l; a' WIY. .. JberllDt.
plivl!ollmi. 1III'lllrTIIll'lll, hanldlilIm.nls. anlllppUl'lallD;nllllll '"""unlo b.long!ng llI'" llll}'Wl:iD' ~~ ~rfornI:iit ~ftDr. Mil Iha 'I\IIIrd'On:. and
I1IlMlndlllS wllh respCHllIh_lo; all WIlIor, WIllllr rlQhls,. _lll~l artd dllch flail" (lndUtlnll sloek In ulRn WIIh dllc:h OI"lrtl;.llon rt;h\e.): lII"d"
olhlll' rlghll. roYI'llllll.lII'ld prollll relIIIUn; 10 lho rval proporty.lndlldlnll WNholll Hmile'!lond m1n,ta!s, 011. gu,Olllll'-rfMIand t1mhr mIIIl,.,., localed
In CUmberland county, Commonwealth of Pennsylvania (the "Re.pl Pr?perty"): .
Deed Book 31-J Page.13G end Deed Baok 31-D Page 436 Township: Weal "ennsboi'o
The Real Property or Its address lIS commonly known as 1tHIn Roa<l; CarlisI., ISA 17013-
Granlor prD&IIInlly llsslgl'lli Ig lBndcw II of Gnl.nlllfD light,. 1m.. and Inler85l ll'l al1d 10 It 18U8D of Ih. Proporty ind' In Rol'lls Irom thll Propllr\y. r"
IIlddlllon, Grlnlor 11l1Inl5lo LlIndora UtIllcrm Commordal Code loe\lrlly Inll:treslln tho POI'$Ona! Propor1y and RlInls.
DEFINIl10rfS. ThllloWowlng wordsstlall hlIl18lh11lonoWlrrg mallnlnllS whon usod In I~ Morfg:aga. TiI,rms rial o\heJwln d.~n&d In lhls MCI'1goge silo"
have lha moo,nlnglll.ltrrbUled 10 such lormsln lhv UnlrCll'm CommllO'dal COde. AN toIl!I1Inces 10 d'olIllr' IlII101lnIs shalf moan amounls In 'awful monoy 01
1t1l,UnllodSlalneIAn1OOlca.
Credit Agreemlnl. Thl word.. 'Credn ~eem.nl'" mllBn 1M nwaMng Vne 01' twdl\lQrGltmunl Ifalld NOV'llmber 6, 1992. bolwQan londer and
Gqlnlor with 8 credit limit of $15,000.00, logillhQr wllh Q!1lWflaWllb 01'. 01<1011$10111 01', modlllcalon$ oI,l1Innlnclngs 01. cansolld.aonl 01.
.nd subslllu~ont rorlhICrod~Agrallm8nl.
'EXllUnglndllbllltfness. Tho wards. "ExIllUng lndebllldnllSS- m9tlfllhll IndoblodnBSS dllscrbgd b,Iow In Iii. edsllnv 'ndob'udnoss 51tellon 01 lhl$
MOrfgD;t. ..
Granlor. The word "'Gl1I.nlg(" nlIIJI". 100 E. 'IIsnudllln, 8'klI Lee Eo VanllSdlllln, Sa1a e VanQdlln Ind crJkra Sora II!. V.nnell''''', TI1a Grlnler
lslham~<<undorlhllMor\Ollg..
GlIllnmlor. The word "GUlrcrtlor" meuns: .nd tncludu w1llioul nmllllUOl1. ollch and all 01 1110 lIuoran!ors, uurell.. and iceommod'lIl1on part'as 111
oonnec:llon wllh IhD l~dab'edI'lMs.
Impr'DYlImenlL Tho WllO'd "",prcVilrnunls- mlllln. ,lid Includa. ....lIhaul llmlr..llal'l " 1IId~f1ng "ul hllurw tmPrlIYliI,,","Ia, IbrtLmlS. bulldlngs.
Jltueluros. mobllo homos amxlld on Ihtt ROal Proparly, IdIUlJ;$, Iddll\cll'lS and' oIhoreonslrucllon OlIlha Rcillll Properly.
Indebllldnlll~ T/HI word "ll'ldobllldness" mOlns aU prItIc/plll up 10 .1S,ooo.oo oulslrl.luJnll undlll" lho N_" III)' II'me Ind Inlorosl plyable Ulldel"
lho Cr91J1 "VrotmIOllllUld on)' ImoUll\l; Ollll~dld Ill' IIIdvllncell by Lender 10 d1'schlrge obllglllOCll or GlJnlor or oxplnSQt ftlWmld by Llndvr lCl
enlorce obllgs;lCo,...or Grlnlor undor Ih!$ M~, lo;afhorwllh Inll!I'~1 i;ln slJC:h amol,lnfl U: j)rovIdlid'ln ibis MorIgivt. Spcernc.ily, wllhoul
IImllllllon.lhls Mor'lgage secures _ IlIvolvfr\i line. or mdn, whIch obJIgal~s LInder 10 m~" GtNaneUi 10 Gmnlor wiess Gl1IlIlor fAlJa kl
aomplf wllh .alllhe lerms 01 !he Credit AJlreamout .,nllender g1Y~ Grantor I nolle, Of dlf_l. Such IIdvinC1l1 mq b$ ~II, nlpIIld,
and I'IImlltfl '11Im n",ei 10 lime, sUbJeello lhllllntllallaa thai tho 1011I1 ollltlandflllJ' baranct oWma.lit 6:nY 01iD Umi, nollnchrdlnl2JIIIMU:
mlrge on wch boIll1te1l III a "xed or vaMble fill or sum' at proVIded In lh. CtlllSll "~I.nt:IIt, ";1!linPormY ovefllVll" olhv chllrgeJ,
and any amounb upended er lIdvlllced as proVIded In.lhra ptIr1grapft, ~111 .,!ol, oxc~, I~ ,CrodlI UmH, _ proYllfed In lhe erldll
AVI'llemenL II 'albe lnllUlllon or Gr4lllor 11I\11 Lender Ib.t lhl. Mortgage ACQ~e' ~.baki!t9. oUiiU:l\itlnlf under lb. Credll Agrfl!monl
from Ifmlllo lime from Z!!ro up 10 Ihl CmtU Umlt lID provTdllJl aboYa and lIlY Inlennlllllala bl.ll1rtc" plUllnlirasl. ThelTena ImI sewrtry
1n1ere511 crlaled purlluanllo Ihls Mortgage covering lhe lndllbllldnllss whleh m.ay be Cfuted In lhe Mure Mall 'Illllls back 10 lh. ~al. of
Ihl5MorfVIge. .
t.lIncHlr. Tha wcrd 'land.- maens FarmlllS Trosl Ccmpany, lis successors sl'ld asslgns. Tho Linder b In. mafglgalt under !his MorIgagl.
Marlillge. ThlJ word wMor!gago' moans thls Morlgaga betwllOn GllInlol and landor, and IncludllS w11hQU\ !m1l1lon a.lIlulgnmanu; Ind see\1llly
InleltlSlprOVislonllelllllng 10 liIQPlmIol'llll Proparly~lndRonls.
Personal properly. Ths words 'Parsonal Propllfly" mean aR eQulpmonl, tbIIUl8s. end oll'lut BrllelU 01 paBOn&! propo~y now Ill" IHlreafl3r ownod
by Granlor, and nOW or hBreallaF IIlIeched or IIf11md 10 lhl ROlli Proparly: 10'ilothor wlth a" aCCIJSslOM, p.rfs, and addlUans 10,111 mplacllmonlJO 01,
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MORTGAGE
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Page 2
Illd B11lU1:1snIuUD1lslor, Illy alluch PrapBrlyi Illd logelhllt' w1lh I! pfClCeltds 'nc;lUdlIll Wilhoul Mmllllllan d Insurance pl'GCllds and f8lundl 01
premiums) rram Ill)' Ula or olhlll' dlspasBlan Gllhe Property.
Proplrly. ThlI word"Propefl)'" fIl8InlcoKlIcIIYBly 1118 RIIal ~ and 11I8 Pensalllll Properly.
Real Propllrtr. The watdl"7tlNll PAlPilIft' mean lhi pmpeItJ.lnItI8Its III'llIrlghb dascrIblld al!QV81n 1bI"Gran1 01 MIlfIgqD"aealIoa.
Rei..... Documlnls. Tile WMds 'ReIa18d Dooum.nlt' mean Ind Inc!ude w1lhoul MmIIlIloll all ptamIuoIy IlIlIu. cndllpmllnll" loan
Igmall\flnll, glWlllllal, tIlD1Il'IIV IlIl'8lImenlt, marlgagn. deeds of lru'" and 81 alhet 1nsInll1'l8llls, Ilgf88ml1n1s and d.acUmUlII. WhllUW now or
heluner _MIlD, 8ll1lGUIed k1ca,"teClon w11h Ihalndlbl8dnllSl.
Renla. n. wlll'd "Ranis" mea... .. pruanlllnd lulln renl:l, nwenuu. Income, laws, royalII.., prolil.. IlIM1 oIh8r bell8llt cl8Itwd IIomIhl
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TffiS MORTGAGE, !I\lCLUDING THf! ASSIGNMENT OF FII!NT8 AND THE SECURITY IN'FEMEST IN THE R&HT8 AND ~BOJIAL PROPERTY,IS
GIveN TO SEaJRE (lJ PAYMENT or THe INDEBTeDNESS AND t2) PERFORMANce 0Jl .ALL DBUGATlQHS OF lJRANTCIR \iNDER THIS
MORllUoGI!! AND THE RBATIO DOI;:UMI!NTS. nus MORTGAGE.I GIVEN AND ACCEP1'EQON TtliFOU.OWING TEA_
PAYMENT AND PERfORMANce. &lrcIp1 U G1h.rwIn p,ovIded In IhIt Marlpgo. GlanIar 11I11I PlY ID LencIw tlIlmaun1l IMVl8d bJ IhII MCIfIgagI
as Ih8y becomt .Ind thlllllllDll'iptrlarm" aI Grlnlar's obl/gl\lans VIIdel' INt ~
POSSESSION 'AND MAINTENANCE Of' THE PROPERTY. Gl'l.n1on;rep !hat Gnnlafl paII8li5Ian ifill' UIIJ or Itle Property I.... b8golllf'llell by lilt
loIloWIllIIprovIsIons;
......MIon IIIII' Uao. UnIIIln IlffauII. Granlar ma, R/lIlIII'l In pllSHSSlan end canlnll at and CIJ)8ftIa 81111' IlIII\8OllIha PrapsrIy arid coIIllct IhIl
Renlsfrgmlh.Proptdv.
au" 10 M....leln. GranlDl' 5haa maln18ln 1h8 Pfoptrl, In lananlllblo condl1lon and pramplly pelfonn allllfIllIrs, replacallllnll. IIond maInIlInIf\ClI
1IGC8""" 10 pf8S/1Ml Its Vlluo.
Haz.rdous B1lblltnces. The lerml "IlaWdoU5 walel 1Iuardl)llS .utlBltnca." "cllsp_" "'nIIIlIII," and "I1ire1111nltd reIeue,"lIl111d In IhIs
MQflg11l..shall bIVe Iha same IlllIInIngs 1.lellatUJ In ItIiI Comp'lhl. ~ EnvIronllllllllt. A........_Camjl&IIIIIIOII, 1M LIIb1a,AaI all_ II
IlIIllml8d.- 42 U.s.c. SaaIIon fIIID1, 81 Mq. t"CERCLA" Ihl Qlparlllnd Am.ndlrlllnls and Rll.ulhDllzaIIon AllI.'all981. P" L ND. ......
l"SARA"). 11\8 HuudlK;ll MlI81IaIs Tflln~11Ian AG" 49 U.s.c. SlllIIon lBDI, II ~,IIII ReOllfC&. cGnwvlllon Ind ~ Aa\ 49 U.S.c.
SICIIon 8901, .. Hq.. Of olhu Ippllcatikl 51all Of Fldrtnilll""'" rull11, Of JUI1UIIIIonsldaplld PllI'IllInI:lO I.IlY ar lhl . 1M Ianns
"hIJardoUI wull" Ind "t\a_rdDUs IllbilanCl" shllll_lnoIucIt, wilhou1lm111ROII, pIIftIleum IIond-pehleum-bHrodUcIs-Of Invballon DInoI
and ubulos., GlIntOf' repre5IInls and WII'I'Inlt to Lenar IIIal: (I) D_1hI period CII' GranlOr'G OYfI'I8I:Ih1p ollht Pl'aplfly, 1hirI hU beln rID
use. QlIneral!ol\ ll'lInuPmIlf'lo 11_.. InlIlmllnl, dlsp-. rill... or llwUlInld reIUslI of II1V t\IWdDUI w.sII orSllbStsfllllIP/ In)' peIIan an,
und8l',<< IbpUllhe PrcpI!tr, (bl ~nlar till no kl'IowlDdge ai, CII' f8UOIIla bellm IhIIlhIlI hU'~ I)UpI'Q pmtouIIl)"dsdDSld let IIllI
aclcnowl~d bV t,ItA. II) wlldng., OJ RIIJ ua. gannIIon. manul8ct\n, tIDrq.. "'Imenl, dlspcisll, _NIiu8, or IhI'IIIInId ...... III anr
hlwdaul Wlllt at_IUblIII\llII &; Iny prbOWIlO/t-OI' ocaupillnlS oIlhe PtopIrIy'Of' (ltlnr 1llIUII,<<Ihrtl.II~ IIIIa.UlIn af'cWms alqlclftd ~
IRVp8lICIn..-,Ung lo.rdIma~lnd (cJEwc8plu preWlusJydlllllasld Iolnd~. .dsiedbrun*IJlwdIIi1g. Cl)neiIhIIGflnIorlllll'lny.
1lInanl. canlralltar,-qanl 01 oIheI' alllharlZld u.., 01 1M ~ .1Id IltI, QIlflIfIIe,.- mIAUIIcItlre. .1... .,.11.. Cl\Sdlspou oL fJI........ III)'
. huanlaus wuIt or IUbIIInc. on, undll, or ROW IhI Proptrlr Ind lD.I anr IlIotUotil\lr .....IM concluded In'compIsnire. II ~
..... 1.&tlIIe.,endIoallIIllWl'''''.I,". _. onllardnancu,lnchldlngwlfIiOuIPmIltVonI.hriulaws.M~. ....... ".dlllnailsdlllldb8d.lblWIt........
Gtlnlar .u~ Lander and 1tI.,.1I1o enler upon 1'- PlaplflJ' ID m.k8luch InIpIlCllant IIId ...... Land......m ~Ia ID
deIafmIFlll-eompllallCllollhIPropIlrlY_WlIhlhlsucllanGlIhIMadl!lQI. Anr,lnIJMtcBaN. "fnh.......... _. ;Ihdbl. "'.........Ii .""""....
onIlIand&hBllnDIb&CGt\SIrl.HIdloCftlll8lnyrelSJlllfl5lbUl"orllabll~onlhaplflolLan_IoGflrilor.Ol'lDiIlVqlhlt~ 1bIfIPJQInlt.IIons
Ind warranlllloonlalnlll hIrtIn Il(I bl..d onGrlnlOr'l du. dIllllUlCe Inlnvelllglllng Ill. PrOPerIY:'faf'hUardllUl_'" Granklr"""" (8)
~ end walvN lUlJ Iulultl i:IIIJqi. ag.11II1Landel' kN"Ind.m~"Ol' dlll1lrlbUllan In QluvanIGrantor<bocDll!" .....Ilf..nup orolhlrGOlII
un. a,.,. IUcI'IIIWI,end., (bJIlIfHS IDInd.mnHv end hold halmlassLenclllr .;aIIlIIln?:and dOllln!s.'k$"'IIbIiI_dllnI~ PDfIII.....nd
GXpIlI\58t,wNch Llndtf mar dlAiClIt Gr_IndII'lIIIr-IUI!lIIn .. suRlIt ruulnng!rom. bItIiiII allI'III naHoFt.of ItIt Mi!dDaP 0111 I aons.qI/lIncllt Ill'
enr use,- g'lIIfa. Uoit, ~nulalllUrD. S!cIrDp, IlIspo.... ItIHH Of IhtealllOlld rellIISI oc;unIlI8 prIfJ1lo_-Brlnln,own.,.=- ar IIdItIIIln IhD
Pl'aplllrlr. whll\llaF Dr nollhe ame WlS or should have bllllll known 10 Grilliot. TIlt plCl\llslCllll aIlNl uallon of Ihe M including UIt
Ilbllgallon Iolnd","n1/y, hi suMve ~ pa"",nl Of Ih.lndablldneulnd 1M ullsrlOl/oqllld JJICO~ 0I1II818n oIlhIl ClFtg:qf and:nll
nolbo llIf_dby Len'" ecqtMIlJonIll' anylnlllf851In IhtPropellr. whD\h8r~fcInICIasuIoOl'oIher\tII5o.
NuISln~. Wasl,. GlanlQl' alllII flol causa. conducl or permll any nuIIancI nor IlOmmD, perml" Dr surfet any 5IIIpplnll of Of Wll5IlI on OIID Ihe
Plop.1Iy Of Iny partlon 011'" Prapedy. W1lhoul Umlllng Ihl (lllllIreD" OIIh1lC118golng. Granlot wBI naI f11111DVt, 01' grant 10 any oItIIr PMw' Ihe
rlQhllD ,.mow, .'" Dmb8F, mlnerall (including all and PSt. soli, gl'lVBI or rock plolIlllltI w1lhoul the prlar """lien COnsenl of Landti'.
A.movlI O'lmplOVamenla. Bnlnlor shall not dl1llollsh 01 fIImOVI an, Imp,ovemanll rrom-Iht Rill Pral*lr ,wIlhoUIlht pllar wrIl1en CDIlHIII or
LandIN'. As a oondUlon 10 lhe remaval olin, Improvemanll, LlJndtl' lIIll~ fIIqW8 Bnlftlor 10 mike IrfIlngGmenlll :sa'hlaolcuy 10 Lender kll8p\IC8
IUCfllmprovemanllwllhlmprovernlnlsolBlllIBs1BquBlvaluo.
Lender'. Rlghlla Elliot. LandElf and 1l5.II(IVnb and 'Gpte5lnlaUvlI5 may an1lll' upon Ihe R.e1 Ptap.rIy II AI ralIlanebll 1m" 10 ,llend 10
Landen InlereslS and 10 Inspeclllte Prop"elly /Dr PUrpll581 01 Gronllll's complllnce wllh IIIe IemIs and candlOons allhls MarigagB.
COmplJenc8 wllh GOVlRlIIlcolel Requlremenls. Gni.nlllr shill plOmpn, compIv w1lh 1II1Iws. Gldlnancas, and f8guIBl1anl, naw or hDrNI1ll' In
elleoa. 01 alI._gavernm""" aulhorltJal I\PpllcIble 10 Ihe us. Of OCC\IJllIncy 01 the PrqlaFly. Gf8ftlorm~cal\leIlInIlDlldfall)lI"'luchllw,
IIfdlnanc., or ragllllUan IlIIcI wDhhold complllnct dwltlll onv proceeding, Including IJIProprlaIDlpp.a\s, so long 1\$ Granlor has noUlIad Lander In
WIlling ptIat la 11'01"'1110 and ID lang as. In Lundar's lol. opinion, Landm Inlllt'8lls In IhI Prop"'" 110 nOl /fIopIrdIaed. Ltndet ma~ require
GrllnIDrlopasladlquolasqcul\1,DrO&UralybDnd.III15011l1ob!rI8UsIaolIll'}'IoLandllt',IDploIaaILendtf,fnllll'8sl.
!'i DU!y10 Pl'Olecl. Gtlntoragt8Un.B1lltarIDabllndonnorlvlIolFellnallondedlhIPtopaltr. GtlnlarsblllldDalDII1Itacl$,lnlddiUDnlalhQ5881l1s
00 ,,' I." ....." ,.. ."U,~ wh,h I..m~. ,""..~ on.....,"" ...,,,,,.. ........~"""'.....',..... on. ........."" ........
DUE ON SALE _ CONSENT BY LENDER. Llndlll ma,. allls apllon, dllCllloflllmmadlaletr 11'118 and pa,lbIo llII sums SllCUt8d bV IhII MCllIgIGl upon lilt
sal. llf llarl5f.... w11~ul tIl. Lender's prior wJlllan cllnsenl. 01 BII Of.ny part lllhe Real Propudy. or any Inllll'llSlln Iltll' Rial property'. A,'''saIa or
lranslfllf means III. Conveylnce 01 Rolli PIllpeFlr 01' eny light. 0118 or lnltmllhltelnj whDl/1llt.\II(IrI11lf aqulllloblD; wh.ther volunlllY or bwoIunIlIry,
whelhar by llUlrlghl sail, d.ad, Il\II8IImenl SIlla conlracll, lend conlracl. conlrlllllar detd,18assltald Inttrest wIIh I lel'm grea18r llIIn une 1St YUII,
IeaSl-oplloncanl'lal,arby',lII,lIsslanm.nl,1lI l"nsllIt or en, bentllclal Inlnsl In or Il)lnVllndlrU5lhaldlngUllalalh.ReIIPropIFfr.OfMlny
oIhet/f\llhod olCOll\lllYllllllolReaI Ptapllllylnl.l8Sl II a.., GranIoI' Is a corporanOll orpilrlfllln;Np,Ir8nSltr.lliolncludH lI",otwlS-1n ~p of
mOl8lhl1n tw.nlt-lIva parclnl (25%) oS Ihl volin; slock 01' parlnttShlD inlllf8sls, I5lha ClSa ml' bt, 01 Grunllll. How8vM, IhI. apIIon shill flal be
~.d bVLBndllUtUCh 8lllII'CI5a Is prahlbll&d by lad&rlll law or by Penll!ivlvanlalaw.
TAXES AND LIENS. Th.lollDWIng provhlon. ,e\allng 10 tIl.lallU end II.M ClfIlhll PfopDrIv are a perl 0111111 MorIgall',
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MORTGAGE
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pqm.nl. Grlnlor shall pay when due (l/Id In aIIl1Va111t prIar 10 ckIIlnquanayl d IIXIII, PIYI'OII8xu, llDIdJIlun. UPISIfI8lIIs, walsr C1hlfllft
and Ill__ '11VIce charges I8\'Ied' _pins! lit OA lcoaunl oil"" P.rGperly. Ind I"" p., when IIUI III cISrilSIlDr warIl: dong 011 or lor a:Bl\IIca8
nuldlred or mal""" fUmIIh8d 10 Ihe Prop"_ Gtl.nlatlt!aDmIIlnll'nllW Prop8lfYlreeor.la_'bIvfng-~''lMII'orll_101hltlnlll,..1 oJ
lortd. under lhlt Mortvll98. UDtIPI for 'hi r.n of laM Mil asunmenls not dUll, Illft:llPl for Ill. ElcIdIlQ fild1!1l8dn.. ...,.,..d la below. and
IJXCIpIII oVlIrwIsl prcMdld In lhIloIoWIng PlrIIlP'8Ph. .
AlIIhl,To Conlesl. Qrfnlar m1lwlthhald plvmenl or.." law, _I'll.... or cIIIm In 00lUI8PlI0n wlIh a flOOd &dIh. ""'. ". III ovw IIa obIIalllon 10
PIIJ.lllIlDng.....nd....'"'- Intrl.Propertrllnol~. ".lItnllllinor"IhdIl".l8IUIIorRlU')ll~-GrlnlotshallWIJhln"nl!lln
(16)> M's..1lw '''-Jr.n .rhn-or, H. VIlIt 1II11ed"w/Ihh(lllie.n (15).,..fter GJenlar hat nDlla Of''''' ftlilt;.MOf./Jt.'iJll ilsdlirve'af lhe lien. (1111
requulad by-undllr, dlllposH wllh Lend"'oash an eu_nlCfll"POJtle5\ll1lIJbond orolhlrllioutRr:,"~_IO:L.liiHJer"n:.n lmaunllullldonl
Ia dlIch8rDo,IhiI-II8n.pllll 8fI)', CCIItUnd'8UllmlIYI" '"' onlher_chargDs'lh.lODuld:lICllMIill;a'_f9IUIl:OI'.,rcinIdoIuriI or aaIB.un..lhallen. In
ilft'iC~~,Sbd~<<seItGI,"H".nsWitodll'l&nY-""""I\ldImUII.~~-~'\MPnIP\Hl'/. GtuIkIr~
Illllftfundlr U IIn Iddlllonll obIIgBll Undtrllny IlIi'ltlyband furnIsfwtd IrllhecanlMl prollIItdIniL
Evldlnlll 01 Pavmllnt. Qlllnlor ,heR upon dll'lllllnd IwIllIIh 10 I.IInder ..asraclary iMde1'N18 oi pIJmInl of U. IIIln or UIIIISmIIllIs and ,11&11
authorize Ihl Ipproprlale oovumrnanlal olllalallo d8"Io,Lend8r lit all)' hmll II WIllIlllslatomenl or Ihf '- Ind lllellmenll qallllllho
_.
Nallce 01 COntlnlllllon. Qranlar IhIIl nail)' Lend,r.1 kluIlln"" {'51 d.V11 belore envYftl'k It com~ II..., IllMcn." rwnIshld. or Iny
mIl""" Ir8 luppl1n to \till PrtlPIIrtr.lla", rnlOhanla'a hn, malll'la1tnen', IOn, Of o\bWllIIn coWl be""'" an BtClJUn1ll1lha work,l8Mc8S.
or matBrlllt and the cOliI 8XClf8dI1S,oao.oo. Chnlot wi! upon I'8CIUIIII 01 Lender lumlsh IlIlencI8f aMrHl8 auunrlClll aaIlll8cloly 10 lend.r
IhIIlGflnlorClnllndwmpaVltlllOOllol'suchlmptOVlmenl8.
PRDPIRn' DAMAOB INSUfI,\flICE. llIe fo/IClWIng provisiOn. rtIIlng 10 II'IfVffnD Ih. ~II" e part 0',* MOl1gqL
MDlnlllnanlle oflnaul'lmll'. Granlar ,11III Praaurlllnd!Nlldaln poI\cIuof Ilr8In1Ullll'lll1 ~ a1andlU'd~ lIlMltIp tndarIamen" on II
~llcctm'nl bu~ for IbllIullInfurab/O VIIuI ClIVliIrIna III I~nb on the F1"'Pra:Pertrllt 1tl_,ll\1III!iIillIIIcItnlloll'iakfappllltfon 01' ilny
lIOInsUf8nll1 deVil. and wllh t IIIncfllrd IllOltglgtt dau", iii favor-ofLendlr. P~:'1iIJI &fiWtltltirib)'-JJjlIh'IiiJ..._ aorilpanlatrid In slN'h
larm II ,may be l'HIOIlablV accapllbte to Linder. O...ntor wi dellv8r,Io'Lendli'''CllilIl\~ltS,oI ~lMlIItIe,-.'" IntUmr ClOnlalnlno.
llIpuleManlhal,lIOVllragfWnnolbaclllllDUad or dIMnIsh8d,wllhoullo mIlimumaf'lan;(I~,diyI',~_-WrIIlrMI-n.'IoLendclt Ind nol oonlalnlng
any dIScIaI"", of the InllUrefs llabmly- Iat lalura to gIv& IUCh nol/cL Should,lhe RelII ProjItIrf)t:aI .!11I1ma-tiIliaO'lIli'localed In an IlfH dllllgnaled
by lit' DIralIIor 01 Ih, F1KI8l'a1 Emerganor Mallllpmlnl ~.rq: u a ~I Hood huanI-8l'8I.l3iinIar __ to oblAln ....d maIntain FIdlnI
Rood IfII\lnI,llDII. 10 Ihl m,nI s\ICh 'lrlaUl'llnce " ,.quIred' .nd' " or bllGOl'nU IVaIIabIa. lor I'" Iwrn Of !hi lDan IInd Jof !he fUll unplld plInolJMl
bIluuorlh9loan.orlNmatdmUmllmllofcol/lK8PthUII6vae_W1tIoMv8rll. .
AppllClUon Of P.tOClledL Granlor IhIlll pI'Olnj:lDr noDfY!-llrldIIr 01 ant loll. "."'.. '". .... "...... E... ~. .",.tlII ""maled 0011 ot repair or
rap\aIllmanlPO....5OlI.QO. LenHr IA.r make pIODfOf!oll BGrtnlor'fIIts'lodoaDWlIhIn-III1D1nC1 - or theClluaIIr. WhlUlttcrfIGI
lDndlll't.eourI"Is'mpall1ld, Landorm.,. ., l"tIellllon, apply lhll practKllll ~lhi~ron,0I'1hII' p~aI8fl)'IIana/f8cllng
IhIPf'opGr1y.orlherulmllontnd...GllhePf'opldy. lIL8nd~IltlIIIlolu;II" '~"'_i rePerr.Gtanllll'lhdt'llPlfror
repIalll! Ihe damagad or d8tlropd r~lnlIlnll....nnll' saIIIf._llI....,ndar., ....orYprool ohUClh .....ndlkn.
per. flllmblUSll G18nlDl' !ram lha pra;tllldllarlhlll'lllSilnable Coil of~Ol . " norm QJi!UI'JI8"'Ulldar. Atlyprol:8lCfa
wtdch haVl mil bIBn clliburud wllhIn 1811 days tiler 1h8II rIC8~I.,"dwhlllh Lender his , 10 1"" ~ o...."'o!j1lon GlIhe Plop,""
shall be USId nralla pay any.mounl awl.. to Lllfldll rn* this Morlgqe.lhti",1o Inter8t. and 1I'It I'8IIIldl'ldllr," llny,ahlU bll
tppUlld 10 thll pllnalp-a! balance 0' lhe IndabludfI8Jf. II LIIndel' holds any pRllIAdIa payment In MI oIlttDlnd8b1adnen, .uch pl'OOHds .".8
bl paid 10 GranIor.
Unelcplredlnau....nclIlll Sele. "ny un8JlP/rad Insurance sh8Il Inure 10 Ih. blnl!llll of, and PIISa 10, ih,j:lurdlasGr01 lho Pnipartycoveredbrlhls
MOrlgagl II anylrustll8'J ula or alhlll"saIII held undlrlha pr'QvIlI1ons o'lhls Mbfleava, or .llny flll'llOlolilnSlI8 or IIlCh Prop"",.
Compllenca wlllt EllsUn,lndebledne.,. During Ihl peltad' In which '",~II!2v_'ndlbl.dn811 crasr:rn,ed b81aw" In IrrtlII,. cornpIancll wnh lhe
Inslll'Inoe pnMsIo", COI,'IlaIned In lhe Inslrumanl evld.nclng such EIIsU",,'lndlJblodn,u~lIhtiJl COnslllu,-,_GOlrillII&nCI wllh,lhe IlISlllIlIll8 provlslon&
undllr Ihbi Mcrlallllll, 10 the ulan! ccmpIanct wltlt 1M lef'inI aT INs Mortalllll wOVId cansllM8 . cktPllaatlon oj Irlsurance f8Qtnmenl. II any
ProcefIdJ lramfha Inlvrllnce bllllOme ~bIa on Jass.lhsllrav!I!Ofllln (tlfl MorI;oge fur dIIMfan ofpraciddllllallllPPIy DIllY 10 ihIllporUan 01
Ih, pfl)CQds nclpa_ala Ihti h~d. of the EllItUng Indlblldneu. .
EXPENDITURES BY LENDER. II Granlor fl.llllocomPtrWllh llft)'~" 01 thJs Mortgq.. ktcIulll'l\i Ill)' cblto-won 10 malnlllln EJlIsIIr!llIll'!debl8dn8U
In glJOd .landlng II required b8low, orO 111)' "\Ian or p~cfng IS cammel'lCld Ihll_;.vaufd mllli1l~-lolleol.Llmc18.f's 1n_lIfn!h1 Prlplll'l)'.1.Ilttder
onGmnlar'lbahallrnBr.bUllh811 nalboQlqulraclla,lIl!.. any (lllllon If!'''ILandttdilriil~''i. ,Arfi/rimounl'lhrrILWn__!lndI!nn doing WIll
belli' Inl8res1.llha,rala charged undl' thl CrfIdl AGtlem.nt tram lhe dale Incurred or pald-,bY l.ellder 10 lhe dale aI J8paymmiI bY Bnlnlor. AI aucfl
axptllll8a. all.lndBr'l: opllan, wi! (., be payabla on ctDmand. (b) be added 10 'hi-balanJlll,or.l~ CII'G,:III aM and be wortlorlDd .m.on,.nd be
Pllvablt w1lb any lnslall,",nl payments to bllCOnII dut dlhlllQlllllhDr (f) DIe I"," of.1l)' 81lPRi:lbr.IMtInII'IIltI ~ lit (nllha remlllring Iarm of Ihl
Cradil ARf'JJlIrnant. or (01 b.ltulld al . blleO" paymDl'lt whltlh will bo,duo alld PIYI~Io _11hI ellldl ~,nJ'i; IlIlIlu~lv. 111" Mortga,e _ wiN
HC\IfV; p&yn\tC\tolltw.w~Unl!. ThI ~pnMd&d lor lI\(hIl~ llta1I be fnaddUlaftlolltY OUtIrtlgtdi or &ny rtm8dIn Iowhlah !.lInder
"'j,"lrba enOlled Ill'IlICCOunt ollhe dehlulL ,,"",sllGh acIIon brLender ,han-not be aontlrUld U ollflnglhe dall11l11 so IS lobtlr Lendllr from any lVfIItJdy
g IhlllROIlHIrwlsewouldhavohlld.
~ WARRANTY: DEPENSE OF TIM. The kIIFawlng provlsloAl r8laUn; 10 ownlrst1lp oIlhtI Prapllffr ara i. pari 01 thhl MllrIga;e.
..... TIIlII. Granlor WiImlnlt lhal: (a) G1r.n1ar holds goad and marklli8b1e IlI!e 01 reaordla 1119 ProJtIrfy 'n fIG II,... ". Bnd elelll' 01 aB liens end
""I IIOCUmlnancu olher Ihan Ihose HI forth," Ihe Real Properlr d",C!1PUon or In IhIt exFsUn; Indablednus aioIlon be'ow or In llny-1lIIB InsI/rllIlCll
-:! po\luy,\lllet8por\,OI'lIrlalUlleop\nlonI5s\lD1llnmCl1",IlII,fl1\d~by.l.8ndeI'lncvnnecllonwl\h\tU~1mIS t")G1l11\1orhRlhIIl'.Il
~ r1gh~ pOwor, Gnd lIuthorlly 10 UlICIUIII and dllllnr IhIs Mortgage 10 Lender.
r~ Delen" Qf TIUe. SUb}ecllo the ekC8PUonln the paragrop:lI Ibow. Gl'lnlct warrtnla ..nd WIll rCllllV(lr dGlend the IlIIt 10 the Properly IIgl11nsl itt&
law/ul crllll'lll 01 III persons. In IhlllVIInlllny llCllOl'l or 1l"0000liflngll cOJrlrllanotd IltaI qUllSllonl, Granlor'lllllkl or thllnlllrell or Lander under Ihls
1\:1 Mortll'!l{Il, Granlor shan dIll,nd IhtI .0000n III G18n1ofa lI11'pansa. Gl'anlo, IlIlIr be Ihlt nom'nal perly In $IIlIh proceeding, bl.l1 Lendef 11\1III be
CO ,"IDled 10 Plrlllllp.llln lhe prGCHdlng .nd kr be 18pIII!enled In Ihe proc.,dlng by coun8el 01 Lender't OW" chDlCl,.nd Grllllllar will dlllllvor. or
~ ml\BIIlobe1Sel\'mD1l.ID~9f.\IDtIInt~Ml.9A'dMmQi6q\l8$lkomlllMtolll\\fl\opBmlRwd\~.
Compliance Wllh Law" Granlor WIImlnls Ihl' the Proplrly and Granlor"s use 01 Ihl Properly Conlpll85 wl1h In exlsllng appllcabl. laws.
Ol'dln&nDlt, and IllQulllUClIlS ofgollllMmlnlal aulhorllln.
EXISTING I~DEB-TEDNESS. Thll loIlowIng provisIons concerning ..!sUng Indebltd~ (lhI '&lsllng IndBblldnessj ere I part allhls Morlllllge.
Exlsllno lIan. TheIlen of Ihl! Morlgege securing lhllndabledn.u may be lIClondary .nd Inleriaf 10 an _ling nen. Grllnlar expreS!l1v
WXlr.aJ\\& INS IQlHS 10 PII'f, 01 su III \\'19 !)William 0-1, 1M EJ.lsUl'fIlmtBblldnu'lo and 10 pftvem any nlWt an !ucl\ Indtbtednau.llny delaUlI
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MORTGAGE
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under IhlIlnsltumlHlls ellldenclno such IndeblednMl, or Iny derldl tinder any IlltUlIIy dllC\lmlnlllar lucttlndabladnell..
No Modlllclllofl. Grlnlor ahal nal.nlar /nlo any all'elmenl wlth!hl hllldllr of anv martgqe Gl' olhet lDOwIIy Igl'Hmenl wtdDb his priorii\' OWl'
1hl8 MOI'Illaga by which IhalllgmenllfU II modffillCl. lmInd&d. Illl.,.dlId. or ""'wad wllhoI.d IhI pilot wrlUlfl COlIMllI 01 Lltndar. GrlnIOt 111II
ngfth.,.ruqll8l(norallC8pllnyltllUr8ldWlncisunderanyluchllla\lrllylQRllflllll'l.IwtlhllUllhBpllorwnIIInCOMlftlDfLendlr.
CONDEMNAtION.'The IoIlll'Wlng prcMl!1llns ""Ung to GOndemnallon IlIlhB ~.... .put oIltlll UorlGage.
,. ApplJcallon., HeJ PIooudl. lId ar.,.,.";' 01 thfI Pfqllll1vlt OlIIlllimnad II)' .mfMnl dOmIfn DfCICI8lI!IDI. .by IllY ~ .pURl.....
In leu 01 tOl'\ClelMllan. LlndIl' mI)I' _11lI"'n "Q1lD IhII aJlarP)l podDfl'" II>> NJptGlI:tIdsGf IMaintd H ~ ll:IihlllIIMJHneu
ar!be fl. lIf".I8110f'111lln or Iht ~ ThI nil prooeedl .llh.lWInIlIIII.....n IhI awar4 IlIIr pllVJlllftl at II iOlUlll 001II. IIIPI"'" IlId
a~,...InC\lrredbrLlndlrlnllClnnlllllla,.wllblhlaoncltmnal/aft. .
,roceeclblp. II any Pl'DCllldlng In CCIIIdemRlllon II. W. GrInlor 11III prompI~ naIIIy LInder In wrIUng. Ind .........11 pnlRI,u, _ auch
11Ips" fl'\I~"nllCllllIIYlo d8fInd IhI lCIIon.nd obtain IhI eward. l3fanIormavbtlhl nomlnlIIpartwkllUllhprclCHllng.bvILlftdershalbl
en1l1lld 10 peltlclpat8In.lhe ptOCfiGdInund Ill" nlPl'lISInl8d tn Ihl proalBlIng brCNlUftlll at lis 0Wft Gh_ Ind ClranlorWII dIIIwt or CIlIIIIo
be dtIIYared 10 under 15uah llllhlllllnlla. till)' bt-l'&C\uesled by R fi'om IIl'1'11lo UIllIIo permH auctI pIlrllDlpdon.
IM,DSITION OF TAXES, FEES AND CHAAGES BY GOVERNMENTAL AUTHORmes. TIIIIlol\GWlng ptO'o'IsIan. fllIaIIng 10 QIl'IWruMIIlIIIIax8t.!eoI
IInd GIlIl'Q&lIlf8 . part 01 ItIb MOffg...
CUffenllllClII. Fe'l. IIIld, Cbltgu. UpDfl requesl by Lend8r. Gnlnlor'shll IIUUlCUIt IUCb dclcun\8n1s 1ft eddIlIcln 10 1111I MarIpge Ind lIIIe
wba\evel oIher aoIIon Is I'lIquetlBd by,lllnderlll perIeo!and oanUnUl,L8t\d8J'IIIIn on IhI RttII PrIlpeJiy. Bmllar IhllIl'IiIhtIlSIll LMIdIr lilt II
1uXtrs... descdllKl bekrw.1OQ!IlIllIf' wIlh'd,axplnl8ldnclJmld-1n f8GOldIna. P"*l'!'9 at canlnulng this MorIgIlP, Incdlldlna wlIhlillllmlallon II
1IxeI. _ dllcumll\laJy.1ampI. Ind Dlhlrchlfg.'!oI recardlna Otregllleflllll thII MOligllQ8o
TUIII. fila faIowlnQ Ihd ClOnIlIIula lexallo which ItII5 IlOIlon 'PPlur il) IIJHlllI80 laX \fSlGl'IlhIs Iype III MlIfIIlQlI ar upon all Df lIII)' part aI
lhe IndeblldnlSlllCUAld 'br IhII MorIIIIlJI; (b) I Ipaclllll.. D/I "nlM WhIch GIIntor IIl111horlzed Of raqUlrtd 10 d.duld from p"",,* '" 1M
IndGlIl.dll8u IllCLlhld b, IhlllrPa at Martae9r. (cl IlIIX an lhlIlWII of MIIl'lOlVl ~IIIgIIIIIJIII. und.- OIlhlt IulIdIr oIlhI Cradll
Agroemenf; end (die spIllfIlll till on 11/ or any pGflfon tilltIalndBbWness or on plymlnfl ofprfndpal and'/nIlIntIJ madll byGrlnlar.
SuttHquenl Texae. Illny Ilx 10 wNch IhI. HCIlD/l appli8ll1 anud illb!lquenllo lhe dele 0I1hII Mortgage, IhII evenllllllhAwlhe lime
elleelss an Evan! at Dldaull (lIS dlllntd'below). Ind LeJlder may ellllrclSa any Gl' all 01111 avaRebll fGmldlallor an Ewnl or'o._.. provIded
balow unlesl Bra",or ellher (I) plys the lax blrm II beODIIKII delnquen!, fit (b) conleslllhe !IX IS pnMded IbM In IhI TUII Ind lie",
sKUon and d1pll51ls wllh LandII' calh ell ,ulllclenl corpotele lurelr bond II' Illher II8CUIlly IIIIslaGIory Ie Land.-.
SECllRlTY AGREEMENTI FINANQNG STATEMENTS. The loIIow!ng provisIons relaUng lu Ihb Marta_ge II a 5lIDIII'IIY agreement IIl'8 I pari of Ihls
Mangag..
Security Agrlllmenl. lhls '",lNmanl shaH consUMe I secwl~ lIQI8amenlto the aiclenllny al Ihl Praperty oonsUIUIes IIxIlIres OIl1l11er pllTionaJ
P'OPMr'. Ind l.n.r shaH haWl aU of IhIl1ghll 01 a lecwed PIIIY undll' lhe Unllorm Commercial Coda .samlnded from lime to lime.
SIl:llrIJy I..forul. Upon ,aquesl by ltncIsr, Grenlor shaM axllCUlllnllldllf slslemimls end lake wh.wvw DIhIlr acIIon II ~d by L.andIt III
pstf8ol'ndcanIInUlLendsr'lllIOurlIvInIIlItSIInIlleAanlsIlAdPersonat~.lnacklUlonlltrecorcllnal~"II"tglll'lnlNrosIprapllrt>>'
recordS, LaIIdIr mly. .1 any 111M end wllhOllllultller .u1horlllUon ~m Bllnlor, 11II ClXtllll\ad aOUdlerp. capIDIll' reproduc:lanl "'\hili
Mortgage. 1$ a nlllll1Glng .laIlmenl. Grenlor stili ~mbUl'le Lendll fat d PIllllSllllllllUrred In pedllcllnll 01 ccmIIrrulng IhIIIllGUrIIy lnlerHL
Upon MuH. a,anlor IhaU ....mbl81hD Pwsonll Pfopl~ In _ tnlIMIl' IInd .Ia pIaca reuone.bl, conllllnlanllo BrentCll' Ind linder end II\8k8I1
available to Lllnder w11h1n IhrH lB) dllrS IIf1Br rsceIpl 01 WIllian demand trom un_.
Addre..... TIle malJlng Idlfl'lUlS of 'GnlnlO1 (cflltrlor) Ind LtrndBr (leaunnf paflV). "~m whlab WCIl'mallatl ~'" lbIlIOtIrfty InIeNsI
;rantldbvlhIGMllrl;lrlllma,tIIoblAlned(l&Ohlllf__db,lhIlUnlfIlM'lConunon:llllCodal.lII'8l11t1al8donlhrtlllllplQIatlhll~
FURTHER ASSURANCES; ATTORNEY..JN:-FACT. The laUllWIng ptovlslonl J8lllllnlllD luIther lIUUrallOllS and a1h>>1111~ .. I pm ollhlri
Mor1gagtr.
Further AHW'anCe5.. AlIIRY lima. and from Ume III lime. upon reqtlest oIlAnd1r. Granlor 'MIl mike, IlI8CUIe and .... or WI ClIIIB 10 be
mlds, "DOuled III dullvarell.le under 01111 Lend'" deslgnle. and whln n1queslMt b, Lender. cause la_b. ftfed, reacwdId, n1l1td, fit
fetlCOrded. as Iht casl may bl, .llUch_ DIM. and In lIIIllh.alllc:es Ind plllClll as Lender l1'lI,y deem apprgprfale. any"" dlUllh madaaaas.
deads ollM~ IlICllSJIIr dlIlIcIs. S8CUfI1y Ilgreemenll. IInancIng slalemanlf, conUnuallon sl8lamema. ,lnsIruminll C!f full"" iIIIIllIInce. carIIb1es.
and oilier doallfl\G1\1I as IIIIVI In the sole aplnlon at LeJldar, bl nICllIIW)' 01 dHhble In or_1o BlleatUala, ~lell, p8lfeal, IIGIlUIIll8, or
pl&S8Ml (a) Iha abIIga\lol'l$ 01 GtBriIor-Under Ihe CnrdllAgraeIlllCII.Jhlll MOdQIiIJl.IIld!lll ~llMS Dacullllnll, end (b) ItIII 11I11I Itld seourlly
lnlMNlIauale6 D, 111I. M4dQ1Qlt-Dlt'thlt P/'oIlltrlr. WhttIw:1IOW owned or""'llIt uquked by"_ UrlrlOI ~byaw.."..1t
lhe canlrarr by lender In WlIlIlrIL Bllntor shill refmbUI'H landllf" lor .. llllI1s and lIllPln.n lIIQ/rnd 111 cannacllon .alh ItIt mel!llrll'llferfad 10 III
lhlsparagraph. . .
AIIOI'ney-ln:-Facl. II Gtardor IlII1s 10 do Ill)' OIIh1Ih1l111' ..lllftd 10 In I~ prBGIdIng parqraph. Landet m" do ao for IlId In Iht lIIl'I'II at
Granlar ,nd al Granlor's 8IlptI1'IS8. Fel luch pUI'p~ Grsnlor bIrR, I/nIVacabIV Ippolnts Landllr u Gmtlor's aUornl'(-ln.lacIlor 11\II purpo.
DJ maJdJJQ.~, dallllBfln;;, fJIIng. ~an.d ddnpaN Dt)Jw l.IlInpuQU)lbl fIJlWSAIY 01 deslrlb\t,_ln Lender'.,. apInIan.1o
accompllsb Ihl rnalllll'$ rtfeired 10 In Ihe p'lCIldlng lIaregraph. .
FULl PERFORMANCE. II Granlol pays II IlIIIlndllbl6dness when d.... larmlrurln lhl GAKIII HAt 1iCCOUnl, and a1l11rwl" parforms aU IN ob\IuIUons
IrnpDHd upon Grantor uncler Ihb Morlgage, Lander &hallllXlCllle Md deDYar 10 Granlor alUllable lal\slllllllon of lhII MorIgage 'nd I\lIlIttle 1II1a1llllll1s
ollemlll18i1o/\ aIill)' flnal'iClng ilalel'l'llnl on 6111 evIdanclng Len"..., aacUIIW 1nIIrfISI1n-1ho AanI. and !he Personal ~ Grlnlor will pQ.1I
permllled lI:y applk:lbllllaW', Iny ,,'Ionable Iermln.llon hie.. d118im1n&d by Lender lrofIllImu to lime.
DEFAu..T. Each 011118 followln;. IIlll1e opUllf! 01 unciill'. sIIall conslUull an even! 01 clol.ul! rEvenl 01 Defeull' undtlr \his Morllllllllll (I) rarentor
comml\llllBud or mllk8s a maletlll_mlsrtCInlSenla\lOn III an, Urns In O1Irui101lon wDn lho credll One IlCllOUnl. TIlI!l can Include, lor 811II_. I feIse
slalllmenl aboul Gran\or'e Inlloma, WIIJ. Ilebllllfes, ar an, .00hll" up" 01 Grankn llnanckd condlllan. (b~ Glamor _ nallllll8llh1 _)'maRl
Ill(IIltoIItulGAldlIRnelcccrunL(o)Branlor'leclfonOl"nl!.CIIonI~eIIeclslheaOllllerallorlhlcrOdlllli'llillllllDUCllOIL8ndl(ar\gtllslnlhe
coUllIraI. Tills cenlnclude.lor_-' rli.llllf8l11 malnlaln reqWad II1I\lflllC8, wuII Dr' deslrucl"'" 11I9 of Ihs dwellng,ldlHla pay IIXa, delltr old
persons lIatlle on lh8 acoounr, (Qrllll'er 0' lIUe or safe Of Itta cfwalllng. cr.allan of I fien 0I'I1fr1 dWaflfng wKhauf L8nd1f'1 perm(afon. tar'iQIomIllijr f/Ie
holdurolanolhullen,arlhliUS8ollunclsorIlt8NlllngforplahlblllldpurpllllS.
RIGHTS AND REMEDIES ON DEFAULT. Upon Ihl occurrence 011lR\' EVlnl 01 DlllluU IInd II an, Uml lhefllllllf.llncler, 1111a opllori. may IIxOrelse
any one or trIOt8 01 \hi IoR~g rfohls snIt n1mldllll,ln .ddlUlIn la an)' olhar rlghll or n1l1ll1d1es pnMcled by 'aw:
AclOler,la Indeblllldnesa. StlbJ1lGI1O lIppllCllble law. Lender shall hava 1h8 rlsrhl II lis opUon wllhoul iIoIIaIlc Bmnlar 10 ~.1tHi InUre
IndobledAIISI rmmldlallllv due and paYlble.
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MORTGAGE
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Pages
::l(.:=:~~ laaD Ill' InyJlIl'l of till ~ Praperly. Undor.lhal 1t&Ve.. !he rfghllllJlCl m.dllllor. seDJInldpaJtyl/ll_
CQlIIIOI nlo....... ow. ''''. tllve Iht r1ghl, wIlhoul J\CI\Ill8lo "nlOl', 10 I8bpotHlllon.".... _. ."'.'..,....... Ihl_Aenla.lI'laIiJdI=__
P1dc1W-.ndunpttd.andODfrfftl_II'tIPRJIlItdIJ.CMJrmdfbcMI.ilndltr'sGClffl.caafnltlfll~ InftlriJrtrtnceflfflrrs UndIr
1Il"'''IP!!rn1lJ,~1:II or_olJIM"UIIl'.oIlhll Pn:IptrlJ' 10 rnWI paymenll GIn.. UII fHlllI~ IO'LIndIr. u-_........caIlI$ct. Landw,
Ihan allnlar_-~lIllIbly;:dlllanaJ8l."'_:_U linn!ll(t .1lo,nllJ-/n.lt.d:.._........Inltrilh1mi:~d,IIi_...,rMnI;UleNafln ~ Mmlt or
Gnln!cIrllrld_fa "'rttl:l8S1lh1-.ndcrallicflflt,~. ~'brrtnlnfl-ororrwUllJl'l_"~IIl...,..lolAAdnd8lillndsW
.W,lht ablllI~~ forWhldt,thI PIIYJl1Inlt.,. mI1It,whtIhIf Ol'naI..nvproplll'-QfOVftlII hilhedillniind...1ftd, und8l'1IIQ'8ll1lI'CII811s
r!Qhltlnltlllr-lIIIIlI/bJIl.-.grapheltherlrlJllllSlllt,byQIlftI.Ol'!hraughllncelYlw.
AppoInIR~.l.Ilnd.'I1aI,"'WIh.JlAhI. IphaWlIRlC_appoInted. ,lDlakIlIlISIfIUIon~"ar~Plltall"'.' PraperIy..wIUIll1epDW8l'Io
JJfGIId.mlp1'8IIryelh.'I'nlPIrIr.IOQ_f,,,,,~p~~OI'IlIlI8._.ndloClllllal-""FlenlthmIhoPnlp...,tnd.pplJlhIi
elClCNdl.O'MAnlhbMlIl:IllJIJIoflJJtllCllVlJShlp.qJIJ;lsIIhitJndDb!--. 'IhII-___..".\WUiOutbDJIdU~b1Iew.
Inafl rlghllQ 1M lISIplllnlmlnl of . ..."., shllllxII1 WbeIIwr 01' not lhl IPPI"",, \IllIua of .... Prep"" 1DIC88d. IJID Indilbl""" by .
S\lb.1anU1II arnDllnL EmplOyrMnl by linder ".U no141q11111r, a peraon rro", .IMIII" . nJOIIlwlr.
.ltnllclel'F~ LlndWmlJobraIn.litdtf:(II'd8cro~GNntar'IlIn&ml"'''or.",pcrtorlirii~.
POfilIPlon at the PfDp~. Far the purpCllO 01 prOCUllIII pouIlSIlon 0I11Ie PtoplltJ. &fa. hIr1by ~ and empow8rl an, 1111mBI' al
Iny caurt al recard In Ihl ComrllGrlWlllllh all Pennt)tvllnla II't!I8WhIIN. U .narllCl)' Ill" UmIIr,"1II p111101lI dillmlng,undllf or UI'ough~,
101lgn In agf8lJlflanl far anllll", In In, aampalent COUtt en arilla8bl9 ulIan In ~nt far P...... 01 U. fraINrfJ ami kt IJlPMl' lor and
aanlesl'udg!lllnl e",IlIIl Granier, and Ivslnilan persolll claiming-un'" ar IIlrougtr Gran!or,1ar Ihi ~ by Lendllr of plllllllJlan of lho
Prop"', wnhald any 1l8J' af 1XBCll11orr. fDr Which INJ MOI1gega, or , copy all"" MOi1gIp wriftid by alHdtWII, Ihilll b9 a sulllalanl ....rd: Inll
Ih8lllll/plln 8 WlfI aI plISS9I!llon my" Issued forIhwllh, wIIhaul 811'f' prior wl\l CIl' pn)cHrfing whllsoIwr.
NonJudlthrl SIh. 11 pl!lrmlllad b)' appl1aable Iaw.lendar ma, loreokIse Grsnlar'llnlereSlln aU 01' In R"7 pad oIlh8 P8flllI'IaI Prepsit)' ..Ihe ANI
Ptoperl'b,nonJudlcfalsale.. _
Denclllncy Judgmlnl. undg, mA' oblaln . judgmllnl for tny dellcltncy I'Ilmalnlng 'n Ihu Inhbladnlllll dUll la lend. Iller eppleaUan 01 all
amount.. rscefrtd rtmfJ Iht PfRlIso ollila IlghIs ptiMtid In 1h1I1DCUan.
1'lnenq. aI SUlfIl'IltCIt. II SlInlor llmaln, In pllHUl\Gn 01 lhe !>fa""r IIIar lhe Praper'" !a 10111 al PfD\'IdGdI above rJI Lender oI/IatwIH
bDCQmits qnlHlld Ie passels10n Gllha Propaft, upon defluR 01 GranIer, Gnlnlar ,hall blKIomel "namal sutfclrance 01 LendlJlllr IhI purcll8s8r of
lhe Proper" end Ihall. el Lendur'a opUan, BIlher ta) pa, a reuonable nrnlal krr !h8 use of Ih8 '"""'arty. or (Il) V8Clle !he PrllPertt ImmetOlllllly
IJponlhlclllrnlln1lofLendlll'.
Olhllr ~emedlu. Lol1d91 sllall hM aU olhl!l" r1ghls Ind remedies provldltd In Ihls Mor1PD8 or 1"- Cnrdll All'Il8merll or avaIlable III Iew or In
oqul".
Sale allhe Property. To I'" pI8nl parmllled by applloable law. Grantor herabV wa"'" any and aU r1ghllo IIIlY8 lhi propllftr m~. In
txlroIIlng ill righl& Ind remlcles. Ltnlllr IhaII b. fret 10 sail .. or 8", PM or Ihlt Prapertr _hltr or aepllnllely. I" ane sole or b, IIIPlIl'el9
Illes. llndlll' !ttraU be Inlllled 10 bId ala", fJubla sale ml al Ill' II", porUon 01 thl Prapllllr.
NofIce of sete. Lendllrlha!1a1ve GranfofrG81011llhtt noIfc8oflht lIrne/lndplacs oIenrpUbllc saleollPre PersantJPropsrtrottAlhtUms411l1r
whlotr- WI' prlvr.1tr sale or o!her Inllnnd dlsposlllan of lhe P8rsDnat PrQpertr 1110 be lIlade. Un_ oIh8rw1&u required by applicable law,
ffll.one.b11 nallct shIll rnsan nDb Qlwn IllBast Ien (10) days bafDl8ltte bml aI "" aalt or dlssml\lon.
Wllvet; E1eellan 01 "Imlldle.. A wllver by III)' plltb nla bnJaoIt 01 B provision allhls Morlglplhd nol aansIllUlIt I we)vIl" or or prejudice Ura
peltf$righlS oIhllrwlH 10 demand Ibid compUance wllh Ihll provision or llny alh8rprovlslon. lilecUon br ~ 101WrIU8.11)' remed)' alral no!
BJlclwfl pwwII 0' .ny oIhor 1Bm8dj1. amt Il'I elsdIDn 10 .".". upomlJIuJn o,-1IJIe MlllQn let petfannn obl;allan of Onlnlor under !hIt Mortge1l8
enlf faIlUre 01 Grantor 10 perfOrm thlW nola\ftdLender's IIghl kr d8Cl81'IIa dehlulland GlI:elds,lIs ",""dIU under IhIs Marla.
Allam'YS' Fetl; Expanses. II I.end8rlnslnullllsllf' lull ar iacnon 10 en~ a~ oIlh.I!ImII Ollhlt,MllI1gaae. undlr...llibt Ql\IIDed 10 rllI:Owr
such lum lIS the aourt may,adjudgl t8l:!1onablll ..-allom. fHs. 81 IrfaJ eM-DR "'" ~ WfiB1hei or 11011'" 40Ulf ICl/otf /I tnwrwd..~
feaso1\lloblelllJlenseslnaumrdbylendwl"'llnLandor"~lnlon.ra nec:8S5Iryal.nytltna'forlht~ofllsln\Qrularlhe.nflllft"'lIIIIof
1__. wlbaoOm.'p"'.oIlha,lndlblecln..1287l1bl8-on'.....ndlllnd.h..:b8I. "Inliral. "". m. ,Iht.da. ""._. lIl'llunll-"P~_lIlha
C11ldIl A11l'1lllmenl. "'.."'. EllJ2JnHS covered br IIdi.paralP1ph-lnCludll, WllhoUf IfrnJIa.lfon,'-hllWlWt.. .. Illbfad"1t Itftt' .,undIr liIlD/fCIMJ feW.
Ltnder'llllarnl)'lJ'IallSlndl.llndllralBgallrllP'nllllwhellterarnot-l11antIs8liW1ll1l.,l~dInI,IIIclrn8ya'fei8llClrbanlcrupIayJlfClCCllllJngl
Pncludlng ertorts Ia modl" or VlICIIe Ill)' IIllomalla '''' Of InfIlnoUon),l!PPII.rt..... tnYdllMlad p~,",", ccdI.anon uMou.lh8 CClSI 01
811lfohlng recor.dl. oblalnlnlJ II1It "DoN (InclUding toreclol\1'8 tIIJlmtsJ.-IUfW'IOJff'nlPom. ~ IQrIIi8l :feII, lnd UUelll$Vl'IfIIllI, Ie thll wnl
parmlllod bv IIppDoablalaw. GlIl\lor alsD YIlI pay al\y CiJUJI eo&II, In addRlan 10 11ft ,oIhDf sums PnMdid by law.
NOT'ICI!S TO GRANToR AND O1'HE'RPARTIo. IJntat oIlmW1sG pmtdt4 bf.,.,..bl91aw. 8nrnodl:e UIldIf" IIrb MDlt;a9l'WRbto'" l\IIWJlt IJmI
Ihan bllllltallve 'lJhvn loIu8l1)' delivered or, IImlllsd, Ihsll be da!imlld,ilIlecBvf,!Nh8" !fBllOSlkrd,Jn lhl'UnIlid S!81ts milD nrs! dillS, l'fll\llered mill.
g:l potlage I)repllld, dliecllld kr Ihe addmsts &hown I'I8IIr \h8bBg1nnInQ'alft4,Mait;IIDI. ~parIJ,lM)'cIWJalii-lIs-8dd"liI'OI nllllcts undlr 1111I
=, MOJfgagl b,'gMng'fonnal-wtltlan nDlraa fo lfI8 O(hltpllrlills.spgd/Jfr1f 111" "",~ a1lfm,AaI1Ot,1r ro...nr.,~ Iddma. 11_'- 01
~ nDnl:lS Of hirao!alUtelronr Ihlll holdar al env lien which hu prllllil, 0VJf IhIs Mortgage, Ind,naIIcils pumralll,f2 Pl. c.8A Seellon 8143, IlIlDq.. thlW
~ bllIlInl10 len." address. lIS showlI noar IhB begInning ollh1l Morlgsga. For nollc8 purpDStl, Granlor agrgu Ie lceeP lender Informed el aD limBS
Q DJGranlO1'scurrenlsddre&l.
t\J MISCELLANEOUS PROVISIONS. Tholollowl", ~nalllJ1 provisions aTe I pelt Gllhls MorIgiglJl
Amendmllnll. This MarlQlg9, logblhrr wllh II">>, Rblaled DllCllmllnls, conaUlulllllhe 8nllre undltl'Slandl'no and ragnKlmenl oIlhI psrfloi.1S 10 (II,
mailers laI IQrlh In UI1a Marlglge. No afttr,Ulln Qf 111 aflUlndmenllo IhIs MCIflgaao shall be ellllaUve unklss gl\(8n In WfI1lng and $/gllBCI b)' lhe
patty Of psIIJp HUQhJ ID ba chirped Of bmmd by Ih9 alWeOon Dr alTlllndmenl.
A~ltClblll l.8w. This MorIlIlIge hIS b"n dellYemf Ill' lender and acctpled by Lender In ""' Commonw.e1lh 01 Ptflnay!vll1la. ThIll
Marlgagllllhall be Qoverned by' and ctIn,1nIed In eaoonIartce Wllh Ihe Inulthe CornmonwH1lh 01 Peflnoylvenla.
CapUan Headings. CapUan heedlngl In lhll MorlgsgellrO for COlMlnllrMllI pl/fJKllh only IInd .,. nollo be used III Inlsrprel ar dsHI'lll IIIlI
provlslDnlollhlsMDrlgage.
Mergor. Th,1'Il shaM bs nlJ merglf a' Ihllnler1lsl or mate crea!lld by Ihls Marlgagt YdItr a", olhllr Inferest' Of eltlt In the Propll1y IllIITy Ilnll
held by orlDr IITII blnem 01 lender In II'" copscltr. wllhDul!he wrlllen consenl allender.
MItI"p~ Partie.. AU obllgatlrlns of Grantor UtIdf1r NTis Morlgap shall be IGlnl slid aewrsI, an/J liIU ~ 10 GrImM sNll mean oach SJ1d
every Grlnlor. This mleM lhlleeuh ollhll pMIC1'" slgnlng balow Is ftSponslb1tr lor all abllvallons In !hll MDI1gaoa.
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MORTGAGE
(ConUnued)
Pege 6
SBVerabllllY. If 8 coul1 01 campel8nllU. r\scIlcDan lIndIlny provision of I"" MarIgage 10 tle InvIId or l/MnIorc8lIble .. 10'", perIlIft Gl
clrc:umsluce. luch IIndlng shill noltendit IhllPfOVlsJon InvIlld otLlJllnl1lrC8llbla u iOinyOlhtrpalSQnlardrclllNllflC8l. 11__ IllJluab
off8l'1d1ngprovl5lonl~bll._lIIIdIDb8modliJedlabll'wllhlltltlllml"aI.~arVllldtr.I\oWIVIr.IIIMDfllncllnDpnlwlllonClnnol"
110 mgdlQed.<< ShIll be sffIofItn Inctd otfIlIr~ orfhls Mllriplllln dolhBl'rtIplIGfIlhllflmafn VINuvlenlaR:8Iblit.:
SUccoAa"'llI'Id AulgllL SubJecl!o IhI n~ilons IIIll1d In VIII MllI'Igllg8 onlralllflrof BrIIlIar"III\..... DIll MaftlJ8Ullhallle bIndIna IIpDft
'.ndlnn 10 !hi bend1 allhll parIIlIs. ltIIIr hllli, pII1OII8I rGPIM'fl1l1lvts, IllCCaIll/Ilnd uslaMl. II GWn8fSIi1I If IhI PrClIIIII1 bIcama veNd
In 8 plll'SOn olhlr !hIn ChrllDr. len_, wfthclUl nab III Granlar. IIIIY cIuI w1lh BrantofIllIDCIISIllI'I wIIh raIIJIncala 1hII MlIfIgq'lI'Id lilt
IndUledntss by \vf., p1-Io~nce or 81lllnslon .DUl rII8QIng Grantor flam Ihe GblIgdans III IhII MCIltgagt or IIIbIltt under IhI
Irtdebledn....
Tlme'lotlhaEuenc:e.lIlMlsoflhelSl8/'lCttlnt.ll8J)t1JfOmJ1lX801IhbMlIrfpQL
WlIIven and Coaaentl. Lender.1 nol.oe ..Imtd to have wl/wJd .,., r1g1l11 ul\dllr IhII Uqsge (or under Ihe R*lId DGcumtIdI) unr.
such waJverll'ln wrtKng Ind s1gt'lf.ldb, LIIf11Br. No lIIII,or omlalon on IhlI parlofLenderlllltllarclllng ...,.-dgIlIlhd.IIpCIrIIIUIWIIwr 01
IUCh rIgh1 or tn, OIh1l::rIlIId.: ~ wtlvlr br ""Ip,~ or t pnMllon or 111I1 MllIfgIgt I1lIII no! COMIlI........ aiill' ~.... '*'" rlghI
olllerwlh ID daliIInlulllCl_oomp.... wllh:I~1 pnMIIan....., alhlr pl'G\llllon. HI prior.... bJUncI8r. natM'/.... or....tieIweM
LendEII.1Id allnlDf. atlI_,....lult. ~ ar an, 01 Lendlfl r1g1l11 or &1\, at Granlar'lullilllgaUcinl..1a 1flr1Ul...1IarIuGtIOnt. WhMMt
COMont br Lendlr lI..qUlrad In-Ihll MGdQ8ulj.lhl oranUng at slIGh CGnSllnl.bV Lefldar In !In)' Instil.. sblll naI CDMllu1IllOJIl\mMg OO/lIiInllo
SuttseqWllnllnalsMII w_ sUGh ClGl'I'Stnl [ll't~u1t1d.
eACH GRANTOR ACKNOWLEDGES HAVIHGI RlAD ALL THe PROVISlDNS OF THIS MORTGAGe, AND EACH CJRANTOR AGREEI TO ITI
TERMS.
GRANTOR:
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l~ee.vtllOldltn
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511lf11d, _knowledged Ilnd deUvlred In the presence 01:
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CERTIFICATE OF !lESIDENCE
I hul'eb)' ceI1l1r.lhollhe pr8IlI58 Iddms al Ihe moIfgagH. FDnDI'" TfUIl Co",,","y. he,.ln II u lalIawl:
Ono Wesl High ~lflol. CMIlstlt, PA l1G13
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"_e~.lfl\GIQ"lJJt'slil~e ,~'. "'~;.7. MV CQIM\Illllon explr..
LASE~~~,. ~>~:~~~"".~~~::''!.. \:tr~t},!!81l'11l"'8IIv."'IGtaup.\nIl, AlIrllllll""llIrVllLlP~VAIQ8LG.L"Ll.DVLI
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......n'p.. Ac.tR./.t:....~~""h"...... 1I1P,I,MrME",r.OF HE'lEN:II= .~
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MADE THE 8 fII
of 0117' urd onp thomtcmd ~inr hllndrt'rI
dag .f ""AIeCH
eignty-five (1985)
BETWEEN IRA E. IIlELL and MABEL M. IIlELL. M.s wife. or Weat
Pennsboro Township, C~mberland County. PennsYlvania,
hereinafter called
Graut"rs .
at1d LE~ E. VANASDLEN and SARA E. VANASDLENl' hIs w1fel' of
carlls1el' Cum~erland County, Pennsylvania, hereinafter
called
GranteeS ..
WITNESSETH, tkat in mm8ideNltion (Ii Twenty-Nine Thousand Nine Hundred and
no/l00-----------------_________ ($29,900. 00 )-~------~-------_D,,'I4,.,.
il!. M.nd pclid. the 1'f!Cf'tpt whet'wf i8MI'I"JV a.ekuotllledgffl. ~he said 111Q.1tto,"s do herl'by U11~:nt
alld r.Mlt'e11 tn thp. said gnr.ntee S. their heirs ana af>slgns aa tenants by the
entireties
ALL that certain tract of land situated in Mt. Rock, Township of
West Pennsbo'ro, County of Cumberland and State of Pennsylvania,
bounded and dtscribed as follows, to wit:
BEGINNING at a stone; thence by land formerly ot Sara Danner.
now of.Oren Kitzmiller, South 31 degrees East 7.1 perches to a
post; thence by land now or formerly of Floyd Bitnsr, South 85
degrees West 7.5 perches to an apple tree (blown down); thence by
land formerJ.Y of Le"vi Failor, now of "Leib Myers, South 76 l/l! degrees
West 20.3 perches to a post; thence by land formerly of JOhn Seitz,
now or Earl Tritt, North 14 degrees West 8.7 perches to a post;
thence by land formerly of Levi Failor, now of Earl Tritt, North
82 3/4 degrees Eaat 25.5 perches to the Place of BEGINNING.
CONTAINING one (1) acre and 70 perches, and having thereon erected
a two story brick house and outbuildings. LESS, HOWEVER, a piece
of land 16 teet in ~ldth along the West side ot the above tractj
800~ 31 rm 436
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.
containing 8.6 perches as the same 1s tully desor1bea 1n deed frnm
Caro11ne McKeehan to Abram Etter, dated June 13, 1916 and reoorded
1n Deed Book !fL", Volume 8', Page 4~7.
BEING the same .property wh1ch Mabel M. .Hurley Mell_an~ Ira E. Mell,
her husband, granted and conveyed to Mabel M. Mell and Ira E. Melli
her husband, Grantors here1n, by deed dated Apr11 ~th. 1~56 and
recorded 1n the Office of the Recorder of Deeds for Cumberland County,
Pennsylvania, in Deed Book ne", Volume 17 J Page 1.
-
ao~ 31 PACE 437
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AND tile did. gra.'do,s hf'rebJI cDVenant end 1lI/f'fre UlAt the,y
wiU W8mlnt generally the 7Jf'Operty lIt'rebJl conv:r.Ued.
IN WITNESS WHEREOF. did I1rantOrB ka ve herel(tlto lIt't
the day "lid 'geru' fi1'st almvf' lI'riUen.
their haMS ami Hf'f.' S
hI' 0--te./L.
.-...-....IRA..if:...M.ELL....................-........-.......--... e
......_.....,............hhh....._..........................................-..e
...... .~L~~~~.........h....h....h........_h..e
..............................-..............:...............................-.....e
Stnt,. fit PENNSYLVANIA
Countll fit CUMBERLJ..ND
On this, Ur.e 877rr
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. 19 85, bfttp'.t! tne,
tlr.c Ifndf!rRiUJlf'doffif!P.I..1Jf'rlllmaUUa.P1J1~ared Ira E. Mell and Mabel M. Mell,
his wife,
b,ow", h, me (07' sot.islaetorilv ,'TutlCn) tl.l be tll,: pi!THo7fi wkose na.me are l'ul.tBcribed tCJ thp.
within iftstntment. (L1Ut. ucknoulledUed th4t they executed "me fo.. tl&e fJltrJI",M U"..rdn
contained..
....11...........,
.l<~:...\:.iN..~iTA!.E88 WHEREOF', I ,..,....t. ~ h.04.od '1Jl'~,
l '.'. ....... ., ./ /i'~ '3 Q!!(~
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.\.-:";..;~'.: ::., :0<.-:'.../<'/ caIUSlEIORD.CUMIERtANDCOUff" Title olO{fteer.
.... '." ..."... <'y.... UYCOMM'SSIONEXPIIESOC1'.J,U"
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I dfJ hereby (Jertifll tho.t tM precise. residence Gnd complete pm p~ tuldreslJ
., I'" wilhi. ..me<! gr..te.. .. I.'g .ll',,~ ''', ~. t:. 170 I I
MA~<:DD:'31 PACE I:; h. ...A.i~:;i...m..._.....n
A.ttomey for ........_...__._._.........._.._........................
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03/20/00 MON 12:18 FAX 570 628 9231
KEYSTONE COLLECTIONS
K9'stone. ~
finanda" .
Cerlliled Altlcle Nl'l11ber
~008
S[IIOcRS ReCORD
P '1 If . a"l2~,"I 31
P.o.8OlI:ll184
PO!TSVlI,I.e.1'A 171101
PIIONe: 1ol1lllHl!S-ll*
FAX: 71H2HI/lII
VIA CERTIFIED MAIL
NOTICE OF 1N7'ENT roFORECL09E MORTGAGE
Mr. Lee E. Van.~rllM1
P.O. Box 636
Carlisle, P A 17013-0636
The MORTGAGE held by Keystone Financial BlIIIk, N..A., (hereiuafter we, us or OIlB$) on your
property located at 11 Hill Road, Carlisle, PA 17013. IS IN SERIOUS DEFAULT because you have not
made the follQWing monthly payments: $219.59 for February 10, 1999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246.65 for May 10. 1999; $246.65 for J\ll1O 10. 1999; $246.65 forJllly 10.
1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10, 1999.
Date: December 9. 1999
Late Ilharges (and other Ilharges) have also accrued to this date in the amount of$O. The total
amount now required to cure this default, or in other words. get callght up in your payments. as oflhe
date of this letter, is $2,439.44.
YOlI may ewe this default within THIRTY (30) DAl'S oftM dote of this letter. by paying 10 us the
above anlOU'" of$2.439.44. pl1l8 any additional monthly payments and late chwgea which may fall dJle
during ,hill period. Such payment must be either by cash, cashier's check, certified check or mODey
order. and made atl(eystone Financial B!mk. N.A., P.O. Box 1384. Pottsville, PA 17901.1384.
If you do not cure the defalllt within THIRTY (30) DAYS, we intend ta B1&ercise OIIT right to
aculer",e ,'" 1I1OJ'tgage payments. This means that whatever is owing on the Original amount b01TOwed
will be considered due immediately and you may lose the chance to pay off the original mortgage in
monthly Installmen~ Iffilll payment of the lI/IIount of default is not made within THIRTY (30) DAYS,
we alSo iIItend to i/lstnlCt OIIT a/romeys to start a lawsuit to foreclose yoll/" mortgaged property. ff the
mortgage is farecloaed, yoll/" mortgaged property will be sold by the Sheriff to poy off the mortgage debt.
If we refer your case to our attorneys, but you ClD'e the default befoJll they begin legal proceedings
against you. you will still have to pay the reasonable attorney's fees, actually incwred, up to $50.00.
However, if\eglll proceedings are started against yOll, you will have to pay the reasonable alttomey's fees
even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may
also include-our reasonable costs. q you clUe the default wi,hin ,be thirty day period. you will not be
required to pay attomey~feell.
We may also sue you personally for the unpaid principal balance and all other sums due under the
mortgllge.
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03/20/00 HON 12:19 FAl 570 628 9231
KEYSTONE COLLECTIONS
1j!J007
.
NOTICE OF INTENT TO FORECLOSE MORTGAGE
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, you still have Ih, right to CII1'e the difault and prevent the sale at any time up to Oil' 110",. before
the SJmriff's forecloaure sale. You may do so by paying the total amOWlt of the Nllpaid monthly paymen($
plll!l QIf}Ilat, or other charges the" due, Q$ well Q$ the reasonable aIlomey's /flea and C08t8 connected
with tire .fOreclosure. sale and perform CIIIY other requireml!llts wnder the mortgage. It is estiJu1ed that
the earliest date tbatthe Sherifi's sale could be held would be Fehnuuy 9, 2000. A notice of the date of
the Sherift's sale wlll 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 exm:tly what the requited payment will
be by calling us at the following numbet: (800) 895-9304. This payment llIust be in cash, ClI$hler's check,
certified check or money order and made payable to us at the address stated above.
You mould realize that a 8herifl's sale will end your ownership of the mortgaged property and your
risht to remain in it. If you continue to live in the prope1l,y after the Sherift's sale, a lawsuit could be
slllrted to evict you.
You have additional rlglllS to help proteCt your interest in the property. YOU HA. VE THE
RIGHT TO UIJ. 'l'IQ!: PROPD.TY TO OBTAIN. MONEY TO PAY ()li'F THE MORTGAGE
DUlT. OR TO BORROW MONEY FROM ANOTHER.LENDING lNS'tInr:nON TO PAY OFF
TIllS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFft TIm PROPERTY
SUJlJEct TO TU MORTGAGE TO A BVn:R OR '.J:'lWIlSFEREE WHO WILL ASSUME
THE MORTGAGE DE8T, PROVIDED 'OIAT ALL THE OllTSTANDlNG PAYMENTS,
ClJARGES, AND .A.TI'ORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SALE
AND THAT THE OTHERR):Ql1IREMENTS UNDER THE MORTGAGE AU S4.TJSFIED.
CONTAct US TO DEn:~ UNDERWllAT CJRCVMSTANQ:S TIIJS RIGHT)UGHT
EXIST. YOU HAVE TPE RIGHT TO HAVE TIJIS DEFAULT CURED BY A TIIIRlDPARTY
ACTING ON YOVRDEHALF.
Ifyoll cure the default. Ihe mor/gage will be rulored to lhe same positioll Q$ illlo difau1t hod
occurred. However, you are not entitled to this right 10 eure your default more than three times in any
calendary_.
Keystone Finaneial Bank, N.A.
/}vJ). ~. rorK
Mark A. Munster
Regional Supervisor
MAMldnn
~"
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~' ,I&c..._~b~_!~.;
03/20/00 BON 12:20 FAX 570 828 9231
KEYSTONE COLLECTIONS
1i!I0ll
~tone~
,Financia"'" '
p.o.BOX131l4
POITSYILLE. PA 1790t
Ce'11118([ ~rrlCle IJllmller
PHONE: Hlll~S04
fA)(, 717__1
VIA CERTIFIED MAIL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Ms.. Sara E. V8llllSdlem
P,O. Box 636
Carlisle, PA 17013-6636
Date: December 9, 1999
The MORTGAGE held by I<.cystone financial Bank, N.A., (hereinaftcrwe.1JS or ours) on your
propllrty lcx:ated at 11 Hill Road. Carlisle, PA 17013, IS IN SERIOUS DUAULT because you have not
madll the followins monthly payments: $219.59 for Febrwuy 10, J999; $246.65 for March 10. 1999;
$246.65 for April 10, 1999; $246.65 for May 10, 1999; $246.65 for June 10, 1999; $246.65 for-July 10,
1999; $246-65 for August 10,1999; $246.65 for September 10, 1999; $246.65 for October 10,1999; and
$246.6SforNovember 10.1999.
Late charges (and other charges) have also accrued to this, date in the amount of$O. The totaII
amount nowrequirecl to cure this default, or in other words, get caught up in your payments, as of the
date Ilfthis letter. is $2,439-44.
You may cure this default withill THIRTY (30) DA.YS of the dale of this lelteJ'. by payillg to 'US the
a/Jove amoU1lt of$2.439.44. plus 01IJI additiallal mOllthly paymellts alld late charges which may jaJl due
during this period. Such payment must be either by cash, cashier's check, l1ertified cl1eck or money
order, and made at Keystone Financial Bank, N.A., P.O. Sox 1384, Pottsville, PA 17901-1384.
If you do not cure the default within THJ.R.TY (30) DAYS, we intend to exercise 0111' right to
acceleratl! thl mortgage payments. This means that whatever is owing on the original amount borrowed
will lie considered due inunediately and you may lose the chance to payoff the original mortgage in
l\IOuthly installmonts. IffuU payment of the amount of default is not made within THIRTY (30) DA Y8,
we alNo intelld to instruct 01(1' attorneys to srmt a lawsuit to foreclose yow' mongaged properly. q thl
mortgage is foreclosed. yoll1' mortgaged property will be sold by the Sheriff to pay off the "Iorrgage debt.
Ifwe refer your case to our attorneys, but you cure the default before they begin legal proceedings
apinst you, you will still have to Par the reasonable attorney's fees, actually incWTed, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the lCasonable attorney's fees
even if they are over $50.00, Any attorney's fees will be added to whatever you owcto us, which may
also Include our reasonable costs. Jfyou cure the de/OIllt within the thirty day period, you will not be
required to pay attorney's fees.
We may also sue you personally for the unpaid principal balllDCC and all other sums due under the
mortpge.
,~,~~
,--'
03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
0"
, ,
NOTICE OF INTENT TO FORECLOSE MORTGAGE
If you have not cured the default within the thirty day period and foreclosure prlX1eeciings have
begun,)'OIl still have the righllo CI/I'e the default and prevent the 8me at any tinle up to one hour before
the Sheriffs foteclOS7lTe sale. You may do so by paying the totlll tI1IIDII1It of the lII'IpQid monthly payments
plus any late Q1' other charges then title, as well as the reasonable tllfomey's fees and COSlS connected
with the joreclosW'e sale and perform any other requirements IIII(/er the mortgage. It is estimated that
the earliest date that the Sheriff's sale could be held wollld be Febnuuy 9. 2000. A notice of the date of
the Sheriff's sale will be sent to you before the salc. Of course, the amount needed to cure 1the default
will increlllle the longer yoll wait. You may fmd out at any time exactly what the required payment will
be by calling us at the following nwnber: (800) 89S-9304. This payment must bo in cash, cll$hier's chel;k,
cortified check or money order and made payable to us at the address stated above.
y 011 should realize that a Sheriffs sale will end your ownerShip of the mortgaged properl;y and your
right to remain in it. If you continue to live in tho property after the Sherift's sale, a lawsuit could be
stlrted to evict you.
You have additional rights to help protec:t your interest in the property. YOU SAVE THE
KIGHT TO SElL THE PROPERTY TO OBTAIN MONEY TO l'A.Y OFF THE M08.TGAGE
DEBT, OR TO BORROW MONEY fROM ANOTHER LENDING lNSTITUTION TO PAY OFF
TInS DEBT. YOU MAY HAVJi: THE KIGHT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO THE MORTGAGE TO ABtlYER OR TRAN$Ji'ERU WHO \\'ILl. ASSUME
THE MORTGAGE DEBT.PROVlDEJ)'llIAT ALL THE OUTSTANlJlN'G PAD02ITS,
CJlUGES,ANJ) ATl'ORNEY'SFEES AND CQSTSARE PAW PRIOl{ TO OlUTrm: SALE
AND 'llIAT THE OTBERREQunu:MENTS UNDER 1llE MORTGAGE ARE BA'I"UQf.l.lW.
CONTACT US TO DETERMlNE UNDER WlIAT CIRCUMSTANCES THIS KIGHT MlG1lT
EXIST. YOU HAVE THE KIGHT TO HAVE TQJS DEFAULT CURED BY A TBIlW PARTY
ACTING ON YOllRBEIIALF.
If yoll ~ the dtif01/1t, Ihe mortgage wiU be restored to the same positifmos if 110 defottlt had
occurred. However, you an; not entitled to this right to cure your default more than three times in any
calendar year.
Keystone Financial Bank. N.A.
~~.~
Mark A. Munster
Regional Supervisor
MAMldnn
" "'~,
1ilI012
03/20/00 MaN 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
1i!I008
~ooe ~
, RnanCiaW
-,.
p'Q. SOl( 1384
POTTSVILLE. PA 17901
PHONE: 1-8W-B95-D3O&
FA)(: 717-&2B-92:11
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S ROMEOWNEQ'S EMERGINCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOnCE TO FIND OUT HOW TIlE PROGRAM WORKS.
If you need more infonnation call the Pennliyh<auia Housing FinaDce AgeDey at
(800) 342-2397_
LA NOTIFICACION EN ADJUNTO IS DE SUMA IMPORTANCIA, PUES AFECTA SU
DEREClJO A CO:NTINUAR VIVIE'NDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO
DE ESTANO'l'JFICACION OBTENGA UNA TRADUCCIONIMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (PENNSYLVANIA .o;OUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MJ;NCIONADO ARRIBA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POR EL PROGRAMA. LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDADEL DEREClJO A REDIMJR SU lUPOTECA.
ACT 91 NOTICE
IMPORTANT: NOnCE OF ROMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE EUGWLE FOR FINANCIAL ASSISTANCl!: WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: MQrtgage #20199140003
December 9. 1999
TO: Mr. Lee E. VanasdJem
P.O. Box 636
Carlisle, PA 17013-0636
FROM: Keystone Financial Bank., N.A.
P.O. Box \384
Pottsville, PA 11901-1384
"," EXH\BIT .
if
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-~~-._-
03/20/00 BON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
~009
-
You may be eligible for 1iuandal assista_ that will Prevellt fonelosure 00 )'Our mortgage
ityoa comply with tbe provisioOll of the Homeoner'. Emergeuey Mortgage ABsisCauce Act of 1983
(the "Act"). You IIIlIY be eligible for emergeDey temporary awistaDc:e if)'OUJ' default lias beea
_ed by arelUllSClIDceB beyoDd )'Our eoatrul, you have a reasoDable prospect at resuming your
mortgage paymeug, lIIIeI it)'Ou meet other eligibility requiremeues established by the Peuasylvauia
Housing Fiuauc:e .4geney. Please read aU of tbis Dotiee. It eODtala. aD explauatiOD or)'Our rigllts.
Under the Act, you an: entitled to a temporary stay of foreclosure on your mortgage for thirty
(30) days from the date of this Notice. During that time you mu$t arrange and attend a "face-to-face"
meeting with a representative of1his lender, or with a designated consumer credit collllSelilllg agency.
The purpose of this mellting is to attempt to work out a repayment plan. or to otherwise settle your
delinquency. This meeting must QCCDr in the next thirty (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer credit counseling
agency identified in this Dotice, no further proceeding in mortgage foreclosure may take place for thirty
(30) days after the date of this meeting. .
The name, address, and telephone number of our representatives are:
Mark A. Munster
Regional SupelVisor
Om: South Centre Street
Pottsville, PA 1790l
(800) 895-9304, Ext. 9373
The names and addresses of designated consumer credit counscliDg agencies are:
Consumer Credit Counseling
Service of lehigh VaDey, Inc.
3671 Crescent Court Ea$t
Whitehall, PA 18052
(610) 821-4011 or (800) 220-2733
from area codes (717), (570), or (814)
Commission on Economic
Opporb1nity ofLuzerne County
211-2 I3 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 18105
(610) 432-6336
Economic Opportunity Council
of Reading and Berks Collltty
229 Fourth Street
Reading, PA 18601
(610)376-6571 or (610) 376-6570
It is only nccessll1)' to schedule one face-to-face meeting. You should advise this lender
immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly instalhnents of principal
and interest,.18 requin:d, for a period of at least six1;y (60) days. The total amount of the delinquency is
$2,439.44. That SUIII includes the following monthly payments of: $219.59 for FebruaIy 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10,1999;$246.65 for
Iune la, 1999; $246.65 for Iuly 10, 1999; $246.65 for August 10, 1999; $246.65 for September 10,1999;
$246.65 for October 10, 1999; and $246.65 for November 10, 1999, plus late charges in the amount of
$0.
""'~~
-
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03/20/00 MON 12:20 FAX 570 828 9231
KEYSTONE COLLECTIONS
~010
~"'
~
..
!fyou haw tried and are unable to resolve this problem at or after your face-to-face meeting, you
have the rigllt to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance
Fund. In order to do this, you must till ollt, sign and tile a completed HoIlIeowners' Emergency
Assi5tance Application with one of the designated consumei' credit llOlIlISllling agencies listed abow. An
application for assistance may only be obtained from a consumer credit llOUDSeling agllDOY. Tbe
Consumer credit llOuDSeling agency will assist you in tilling out your applicalion and will submit your
completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or
posnnarked, within thirty (30) days of your face-to-face meeting.
It is ertremety importll"t t/J1ll JIOM file yoIII' t1pJJ/icatio" promptly. q ~()Il do not do so, or if YOM
. notlolhm the other rime periotb ~eJlorth in this leltu,foncloslUe _y procell IIglliMtyofll' Ailme
inrmeditltely. .
Available filnds for emergency mortgage assistance are very limited. They will be disbursed by
the Agency under the eligibility by the Act
It is extmnely important that your application is accurate and complete in every respect. The
Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your
application. During that additional time, no foreclosure proceedings will be pursued against you if you
have met the time requirements set forth above. You will be notified directly by the Agency of its
decision on your application.
The Pennsylvania Housing Finance Agency is located at 210 I North Front Stn:et, Post Office
Box 8029, Harrisburg, Pennsylvania 17105. 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 lIDder Act 6 of 1974. That notioe is
crdled a "Notice of Intention to Foreclose" . You must Tead both notices, since they both explain rightll
that you now haw under Pennsylvania law. However, if you choose to exercise your rights cIescn'bed in
this notice, you cannot be foreclosed upon while you are receiving that assistance.
Sim:ctely, /]/1/1 /\/
/}1!11 (1,' I V dJ(I
Mark A. Munster
Regional Supervisor
MAMldnn
03/20/00 BON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
@013
l\9'5tone ~
FinanCia~
.
P.O.eox13M
POTTSVIlle. A\ 171lO11
PHONE: 1-$OO-11llS-0304
FAX: 717-S2&!l231
ACT 91 NOTICE
TAKE ACTION TO SA VB YOUR
HOME FROM FORECLOSURE
TIIE COMMONWEALTH OF iPENNSYL VANIA'S HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
If you need more information call the PeDl19Ylvania Housing FiDalJU ~eDey at
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AJ!'.EcrA SU
DERECHO A CONTINUAR VIVlE.NDO EN SU CASA. SI NO COMl'RENDE EL CONTENIDO
DE ESTANOTlFICACION OBTENGA UNA TRADUCCIONIMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRmA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POREL PlWGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU IIIPOTECA..
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FOlU:CLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
Deeember9.1999
TO: Ms. SaraE. Vanasdlem
P.O. Box 636
Carlisle, FA 17013-0636
FROM: Keystone Financial Bank. N.A.
P.O. Box 1384
Pottsville, P A 17901-1384
l
"""""'" ~--
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-
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l'llO!~_
03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
~014
.
. , ,
You may be eligible for financial aaalsCance tlaat wiD preveJlt foredosare ou your mortgage
if you ~mpJy witla tile provis.ions oftlae Homeowner's Emergcucy Mortgage ~~ Act or 1983
(the "Aet"). Yon IIlIly be eligible for emergency teIIlporary aWstauce if JOur default lIulJeen
aWledby ei,n:umSCaDces beyond JOur toutrvl, you IIave . reasoaable ,.pea 01 re8nllliDg JOur
mOr1ga~ PlI)'JDI:Dts, and if you meet other e1i~bil"ty requiremellts eslablislledby tile Pennsylvania
Bousiag FiDallft Agmcy. Please nmcI all orthis aotiee. It tolJtams llIl uplaDatioa ofyonr rights.
Under the Act, you are entitled to a temporary stay offorecloslD'll on your mOJ'tgllge for thirty
(30) day$ from the date of this Notice. During tbat time you must arrange and attcad a "filcu-to-fillleQ
mcetingwith a representative of this lender, or with a designated consumer lll'edit counseling agency.
The purpose of this 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 attend a face-to-face meeting with this lender, or with a consumer credit collllSeling
agency identified in this notice, no further proceeding in mortgage foreclosure may 1aIm plaee for thirty
(30) days afte1 the date of thiS meeting.
The name. address, and telephone nwnberof our representatives are:
Mark A. Munster
RegiopaJ Supervisor
One South Centre Street
Pottsville, PA 17901
(BOO) 895-9304. F.xt. 9373
The names and addresses of designated consumer credit cCllUlSllling agencies are:
COII$WIlllI" Cmlit Counseling
Service ofLcbigh Valley, In~.
3671 Crescel1t Court East
Whitehall, PA 18052
(610) 821-4011 or (1100) 220-2733
from area codes (717), (570), or (814)
Commission on Economic:
Opport1lnity ofLuzeme County
211-213 South Main Street
Wilkes-Barre, PA 111701
(570) 826-0510 or (1100) 822-0359
or (570) 455-4994 from Hazleton
Housing Asso. &: Development
411 Walnut Slreet
P.O. Box 1505
Allentown, PA 18105
(610) 432-.6336
E.conomic Opportunity Council
of Reading end Berks County
229 Fourth Stn:et
Reading, PA 18601
(610)376-6571 or (610) 376-6570
It is only necessaJy to schedule one face-to-face meeting. You should advise this lender
immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly installments of principal
and interest, as required, for a period of at least sixty (60) days. The tOtallllllOunt of tile delinquency is
$2,439.44. That sum includes the following monthly payments or. $219.59 for February 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999;$246.65 for May 10,1999; $246.65 for
1une 10. 1999; $246.65 far July 10, 1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999;
$246.65 for October 10, 1999; and $246.65 for November 10, 1999, plus late cblu-ges in the arnOlDlt of
$0.
""""~~ "...,,~..,"~ .~ - "~
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-
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~~-:
03/20/00 BON 12:22 FAX 570 628 9231
KEYSTONE COLLECTIONS
IG 015
.
.
1 , ..
If you have tried and l!I'C unable to resolve this problem at or after your tils:!:-to-faI:c meeting, you
have the right to apply for fimmcialllSSi$buu;e fi:om the Homeowners' Emergency Mortgage Assistamee
Fund. In order to do this, you must fill out, sign and file a completed HoQleOWllefS' Emergency
Assistance Application with 011O of the desigDated IlOII$WIIIlI' credit CD1IIISClling ilgellCies listed above. An
application for assistance may ooly be obtained from a c:onsomlll' cmlit CDUIISClIing agency. The
CDDSlBDer ClI1ldit counseling agency will assist you in fiWng out your application and will SUlbmit your
completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or
postmarked, within thirty (30) days of your fBlle-to-face meeting.
11 is uJremdy impoTl_llrtllyoufilt!ytJ", IIpplicJditm /lNmpIly. qJlOllfIII not fill 8fJ, 0' i/you
do 1I01lollow the other tiltle periods set 101111 in this letJu,lorl1C/oslIn "'19 proeud sgaiIut you, j,,",e
imme4illltdy.
Available funds for emtlI"genc:y mortgage assistmc:e are very limited. They will be disbursed by
the Agency under the eligibility by the Act.
It is extremely important that your lIpplication is accurate and complete in every respect The
PeilDsylvaniaHousiog Finance Agency Ims sixty (60) days to IlIBke a decision after it RCCives your
application. During that additional time, no foJeCloslIRl proceedings will be pursued against you if you
have met the time requirements set forth above. You will be notified din:ctly by the Agency of its
decision on your application.
The Pennsylvania Housing Finance Agency is located at 21 01 North Front Street, Post Office
Box 8029, Harrisburg. Pennsylvania 1710S. Telephone No. (717) 780-3800 or 1-800-342-2397 (tollliee
nlBDber). Perscms with impaired bearing can call (717) 780-1869.
In addition you may receive another notice from ~is lender under Act 6 of 1974. That notice is
called a "Notille oflntention to Foreclose", You must read both notices. since they both explain rights
that you now have under Pennsylvania law. However, if you choose to exeroise your rights deSllribed in
this notice, you cannot be fol'Clllosed upon while you are receiving that assistanllO.
Sim:erely.
/}1!1J/J..
Mark A. Munster
Regional Supervisor
MAMldnn
KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS
Plaintiff : OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: CIVIL ACTION - LAW
LEE E. V ANASDLEN aIkIa LEE
E.VANASDALENand
SARA E. V ANASDLEN aIkIa
SARA E. V ANASDALEN
Defendants
: IN MORTGAGE FORECLOSURE
: CIVIL TERM
'"'
2000 ~ 1/""'lP cZc.>'/.-(
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 LA WYERAT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO QR
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
KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
CIVIL ACTION - LAW
LEE E. V ANASDLEN aIkIa LEE
E. V ANASDALEN and
SARA E. V ANASDLEN aIkIa
SARA E. V ANASDALEN
Defendants
IN MORTGAGE FORECLOSURE
CIVIL TERM
/1 -~,,-~
2000 - jl.,'1f' ~
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 I West High Street, Carlisle, Cumberland County, Pennsylvania 17013.
2. Defendant, Lee E. Vanasdlen aJk/a Lee E. Vanasdalen, an adult individual, and
Defendant, Sara E. Vanasdlen aJk/a Sara E. Vanasdalen, an adult individual, are husband and
wife, and reside at 11 Hill Road, Carlisle, Cumberland County, Pennsylvania.
3. On or about November 6,1992, Defendants made, executed and delivered to
Plaintiff an equity line agreement and a real estate mortgage financing Fifteen Thousand 00/1 00
Dollars ($15,000.00), a copy of said equity line agreement 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. Lee E. Vanasdlen aJk/a Lee E.Vanasdalen and SaraE. Vanasdlen aJk/a Sara E.
Vanasdalen, are the sole record owners in fee simple of said premises subject to said mortgage,
-
.~,'
~ ,
by virtue Qf a Deed dated March 8, 1985, and recorded in the Cumberland County Recorder's
Office in Deed Book "31" , Volume D Page 436, 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 February 1999,
March 1999, April 1999, May 1999, June 1999, July 1999, August 1999, September 1999,
October 1999, November 1999, December 1999, January 2000, February 2000 and March
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 9, 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 9, 1999, a copy of which is marked
Exhibits "F" and "G", and attached hereto and made a part hereof by reference.
9. By reason of the aforesaid default, the entire principal balance of Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, with interest thereon at the
rate of9.95 percent per annum computed from December 28, 1998, 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 due
to 3-20-00
$81,407.47
B. Interest due
to 3-20-00
1,389.57
C. Attorney's Collection fee
704.85
TOTAL:
$14,801.92
-, "- _-:-0'"
",
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 Fourteen
Thousand Eight Hundred One and 92/100 ($14,801.92) Dollars, together with interest
thereon, costs and all other amounts advanced by Plaintiff.
~
illiam A an, 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 subject to the penalties of 18 Pa. C.S. Section
4904 relating to unsworn falsification to authorities. q)
;kIV
ack V. Hutchison
Sr. Vice President
Keystone Financial Bank, N.A.
(
(,
03/20/00 MON 12:16 FAX 570 628 8231
KgYSTONE COLLECTIONS
-
.. .t,
EQUITY LINE AGREEMENT AND DISCLOSURE
Ac:c:ount
. Prlnclpol
$15000.00
~1fIf.\'IeeS.1ft rfI4l s"'tSW.-:-_ are b L*nlSa''1 LI1tI
dl/:lJ~lg.
5orrowel': 1M E. VMadkn. .w. Let ~ V~ ~. E
v~ancrHo'.s.r.l!.Y~
400 NOt)lt 1Il.1id.
c.tIM.PA 1~13
t.encaer: f"tnMTff.-compM,.
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CREDIT LIMIT, $'5.000.00 D>1e <if Agr.......nl: NO.._ 6. 1m
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~by.n .mQUnl S~ lo~'" ~ AKNCE.CHAAGES. YDlI....1O fJ*t M..1\aI:I H ~ ...."..Qftar.....1l6
4W(la.1t1dc.atr.JQr\,gur&JfnOCX'~IlII~
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EXHIBIT
{)
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03/20/00 MON 12:16 FAX 570 628 9231
KEYSTONE COLLECTIONS
.
~;..
EQUITY LINE AGREEMENT AND DISCLOSURE
IConU""ed)
p,;~~
."
.(
III ReqUMbl'9 an IlCllII&l'lCa 111 ,.w.
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In nOllO ar~I.dYance$Ig, IhI ouw.
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C11GW,,",IAflCM,; .
1" Your C,adlIlnnllllll. been IX"DUld bIII.~!ly ~r"9 tilt Mom. 'Ci'Pf't L.ifte fA CHdI CIw:JI.
lbl Ycwr ~IN (QuI~ l,A"f OI'O'UI C~ IS pQSl-.dMed. ". ~ H;me EqWlf1 L..... 01 C'.r_ C'-" .. pMI.I'ld... ''''''1InJ' r;IIhIII"
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(C) YDQI' Hum. EQIlII)' l.JNI 01 O~ CIlIdr.s hi... tlWI ,...,._ tJllIOIM
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calli _eM""'" are ~ tv 'IfNI CrecM UM. n..1II nv ~..". ~ ~ WIMf ....., fIN 10..... iFIIIAIICt O:WICE on ~
er.dd ltM<:q4d ~ .' . . .
~ UMd 10 DIIIrftdM IhllIIaIWU _ \IlrhIcII .. FIIWICI[ ~.... COiIlfUIM.. . n.-rt AIWICI awtGa.. Ita ~ 011
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lilt ._-D''' DaIINa_'" __.,..... baIaIa_~ ~--. ~... -......,............... .........,......"
a..... _ -"1 vnI)mG '11IAIIa QtARGI:.. Tb$" ......~. TftF.,... .."....~ flIr!llNing.-....___...
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...__tlI_Tha.....___.._.__ .. . .
Ped04Jc: RIIJ,'" Cm~ ~ fletCZlrrME RATE. W. wiI ....... lit '-ICdI: ... ... .. _.........-.. ........
IIIACENIAGlAAtl! _ """"" ,.............,.. ~ ....1I'IcIMI1MIOtw. ~...... "'" M t. I~ ..I.. 4.... (IlII
........... wbl:JlII_..onIh1r....fI~ ....oIl,IdIoIl..Oftt.lrllldSlallllT~IliiI..,.. .....,.,........ _....w.
rNlSt .....INIIM __awabla 10 "" -9!_ "* ~.'" ~ JIIIlaItTAGI MoTE....... 1M..... .__..._......
Ch"T~~ USOflO&ll'~. WtlNnfOunlll ~u.."... 0.0'"" 1'D"IIIII8_~""PlIt__"IO,..~...tdCI.""""1D
'... v,,~ oIlhi11lndim" ha .... ~ _ 5ItIn Itt t21~" To __.......,.. P8eDTACE: AAQ"........,.. ~ AaII., 12
ImlP'llhlyl, TI'IIS..suIIlSow,AtIMUAl.ilRCE6IT.HR"n:. TlleMlinJ&~"CI!:RAn::ft'IudI$,.,,""PCllno-'-'
""hi PetlOdlC Rl..mt h c;;nesoondlng ANII1,M. ~MZ A&TE "" YllU' era Line WIIIINDI5IIlI__. _1nl::CP ~ ClI'
("fit..-. "11m IImt Iq II"", AcIJ~15 to I" PenodlC rq.. and 1"'~1dIl1Q ANNUAL. PERt:etn'AGE ~Te:....... *':1m ctw"Cll!llllDw
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-
03/20/00 MON 12:17 FAX 570 628 9231
KEYSTONE COLLECTIONS
.
eOUITf LINE AGREEMENT AND DISCLOSURE
(ConUnu'd~
Plge 3
~.' --
""'=-
IndG1l1lNll.IaIoI Olllel ~lill'lJ De( ~, ..,If.'I;I4") Is.:m 1:& na....",.....1hI ANNI,1Ar,. PEACDfTAG!: RAtlt t>> r~ lhll" Lht __ CI Ii 000\. or
not ~.lm:.Im r.~ .~0WetlI by 'P&l~lt iii... i'tld.I., 1ht InOlb. III 3.010" per IllltlUIR.1ncf .........In ~ In.... ~ All. ana lIIe c~~
...NIlIUA.....CENT..."AAn:Qnyvur'JtoI'I.LJ"",i:'.US._d~: ..
RATES ~ING THlE'DJ5COUtIJPDltQO
R.\HGt: OJ" liAr. t!!Cf~
AH/fUAl PERCENTAGe
RATE
a.omt.. y. PIJUOD,IC
"a.w.
G."~"
DIY:Ol.JfIIr~
5.500"
AfI8efltll.ltll
$.JOf"
f"',*,mD'1hf.KOUI'llpcortQql'J~
.....G. of IIIol.AIa
OR CONDI'ftOlllS
AIIu.JInI:..
~TES AIT~ lHE DlI(:()UIr(f I'EJlIOD
MAR~.~ AHHUALPERCENTAGE
~_ RA-no
',$00'" 7.t"~
IIOIfT"-TPERIODIC:
R.lTE
......"
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NotwaU'lIl....""MV QI"", prDWlIIcIft of IN"JI~t,..... NldUrQlt lnttrnIan q ~Md .........,...
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KEXIiTONE COUJlCTIONS
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(Continued)
P89t' 4
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RECORDATION REOUESTED BV:
Farmers TrUlIt Company
OneWclIIHlllhSlreel
C~rllare,PA 17013
rlO:.;::::T :', Z:ECl!:11
nI:COilor:n OF' DEEDS
C:.niCI:::.U,lW COUNTY- PI>.
WHEN RECOROED MAIL TO:
Fl:lOners Truel COmpany
One We.t HIgh Slnel
Carl1sle,PA 17013
'92 tlOU 19 AM 8 17
SEND TAX NOTICES TO:
lee E. Vanasdlen, a/lIo Lee E. VlInasdlllen, Sara E Vlln4lldlen
,ndlllk1l1SoraE.Vanasdallln
400 Noble8lvd.
C~llf"',PA '7013
SPACE ABOVE THIS LINE rs FOR RECO~DER'S USE ONLY
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OPEN - END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADlIANCES
THIS MORTGAGE IS DATED NOVEMBER 6, 1992, belween Il!!le E. Vanasdlen, Blku lee E. Vanasdalen, Sara E
Vanasdlen and alkJa Sara E. Vanasdalen, whose ,address Is 400 Noble Blyd., CarlISle, PA 17013 (rererred to
below as "Granlor"); and F'armers Trust Company, whose address Is One. Wesl HIgh street, Carlisle, PA 17013
(referred to below as "Lender").
GRA.KT OF MORTGAGE. For VlIllIable coruldcraUon, Granlor S1rllnls. bargains. sel", convllya, IISl1lgrllS, IrllflsterG, UlelllJes, eonnrms end
,"otlga!Jlla1o lllrodllr aI at G.orllo... rll:ltll. 11IIo. and ln10rGllI In and 10 the following dowlbod ",Ill pn:lpany, logotller wllh all Olllsllng or subsolluonlly
oro<:lDd or IIltlllad blllldlnll~, Improvomllnl; 4nd llilIU~:.a11 stroels, tann, doys, plIl"",05, Ind ways: lII' oll.Sllmanls, righll 01 waY. 1I1111borllss.
prl\lllegM. lllnomonls, horadlklmonll;, and o.ppurle~lI.nCllS lherullnlo belonglng- or llnywlSe mod. lIppurflmant hllrlllnOr, and Iho fQlfDr&lon!> and
~:::!~~~. ~:r::r:~~ ~o~~:j~ ~~oll>rroa'~:~II:~Ull~~llllv'J:~:;~N.~~::nnll~~.I~n::I~~~~';"nd ~l~~I::I~~J~~~reBJ
In Cumberland County, Commonwealth at Pennsylvania (the "Real Properlyj: .
DEled Book 31-.1 Page 136 and Deed Book 31-D Page 436 TownshIp: West Pehnsboro
The Real Properly or Its address Is commonly known as 1tHIII Road. Carlisle, PA. 17013-
Granier presenl1)o nsl;ns Ie Londlll' aM 01 Grantor's righi, mill, and lnlerJlsl rn and Ie oJ[ lllllSes of 100 Properly and 1111 Rants (rom the Propllrly. rn
IIddlllon, Grlllllor 'ilfll.n\slo Londar a Uniform OommQn::kl! COde secllrlly Intereslln lho Pol'SOnel Properly lInd Roms.
OEF"INITIONS. Tha rollewln" words. sha" ha\llllho fellowln" maonlnlls whon used In this Morlgaga. Torms n01 otherwlsl donned In Ihls Morlgaga shall
Mve Ins mllllnlrogs allrlbulld 10 SlItlh IOl'm$ln the UnUorm Commartlol CodG.. All roferOl1l:lM 10 donur amQt.lnls shlltf mean amounl, In lawful mono\, of
Ih9UnnedSle.lo$orAmor!c:a,
g~:~II~/'&)t~m;nJrelJii ii~t ~tlI5';8~8]tf~0;:I~~rl~l~ll~r~~~~;l~ ~~, =~~~:'~~~o~~J~~n:'~~~~~~n'J~ :r.l~:;oid~,1:ns'~
amlsubsllMlans for lha Crudll Aqreemanl.
Elllsllng lndllbledne$$. Thlll'/erd$ "EXlsl1ng lndabladnoss" maan 1M Indabtadness doscrRllld below In the ExIsllng Indsbladnass seello" of Ihls
MllrlgO'il9. .
Granlor. Thll word "Grct.nIOl" mOl1osleo e. Val1asdren, aI1<<I LQO E. V&nasdalan, Sarli E. Vana"'len IInd lIIWa SlIrll E. VllnllDl:flllen. Tho Grot'lltlr
IslhlJrMrigO'ilOrllnwrlhlsMatlgagEJ.
Guaranlor. Tho word "GoorllnlOl" means and Includes wl1holllllmllallon, cech and all of lhG Ollaralllors. sumlin, and aecommodallon parlle$ In
tlll"",ocltcnwllhlhG l~da\:lladnGSs.
Imprcvemanla. Tho word "ImproVQmenb" mO&na and Ineludn wHhoul lIrnnllllon og .,dtllno and fuluro Im~rovomanl&. nxturg,. buildings.
5lrtK:tUrJl$. rnobllll homu amxad on lho Allar Properly, IllclUllos. addlllons and olh(H"conWUl:llon on 100 Relll Properly.
IndtlblcdnosSo Tho word "Jndllbladllllss" mains II~ prlnc!polllp 10 $15,000.00 QlIlstanding undgr thO NolG ill Ill)' lima and' Jnlarasl payabll1 undor
lho Crodll Agruomont and any llmoun~ .xpllnded' or advancod by lendllr fa dtschlrQa cbMgollons or Gr.Iln1or or mrpensos lrn:lIlTlld by Landllr 10
anforco obllgllllons of Granlor under lhIs Mor111agll, leqalllar wllh Inlatosl on stich amo1.lnls IlS provided In ,this Morlga;o. SJ)etllllcaUy, wllholll
lImllllUorl, Ihls Morlgage !lee\lrellll rllvolvlng line of credll, whtch obllgalu landaI' to ml\ke alhlal1C:llll to GranlDT ul1lclloS Grlllllot" ralll 10
comply wllh alllhe lelm, ollhe Ctedll A.Pr~cn1l111d l.en\lcr glvla Grlllllor e nollcD 01 de'~un. Stlcn IldvanC(la mil)' bo: mllde, rCpllld,
and remllde from lime 10 Umll, aubrecllo lhe lIm,llalllln lhlllhe 10141 oll13tDmllnl1 belanc:tt o'N!J1a, ~ .\1' OM time, nOllndtJdlng"lInafti:e
c;hllrglls on sul:ltl balontll Dill rrxed or varlllblll rille or sum as prOVIded In IhD Crodll Agrecmllnl, my temPotIlfY overage.. olher chtor'geS,
and any amounls expended or advllnced II,. proVided In lhla parl.llrllph, \!bllll nole)[ctcd llie_Crodlll.lmll as provIded In !hI CNldll
Ag:ftlllment. 11 la lhe In!enllen 01 Grllnlor tuld lender lhllllh!s Morlgage 8eCUui.lhe.ballinca oi.ttafdndlnlt under lhil Credit Agretlntenl
from Umelo lime Irom zero up 10 Ihe Crelfll Umlt as provlde!t abovll and any lnlllrmedllllll balllnd. pkla [nlere". The nans antlSltcurlly
Inleresl. crealed purauanlto lhls: Morlgagl! covering the ln~bledneM whIch may be created In IhIt. fu1ure shall relllle baCk 10 lhe dale or
lfIrsMorlgll.lle.
lender. The word "L9nder" moans Farmers Trusl Company, ns successors llnd asslgns. Thit Lender Is the mortgagel under 1hls Mor1gage.
Mortgllge. The word "Modgage" moons Ihls Morlge.ga bolwlllln Grllnlor .~d Londer, and Includes wllhoul nmllll.lIon 0," esslo;Jnmonls and secUrlly
lnlereslprovisloosrelollngl01hoPorsolllll Properly and Rcnls.
PerllOPllt Properly. Thll wordS "Personlll PrOP'3l"Iy" moan 111 8qulpmonl, Ibdure:;, and other o.rIlcJ.as Df personct properly now or herJlallor ownar:!
by Grantor, arrd now Dr haroallor 1Illoc-h9d or errlxlld 10 lhe Relll Properly; loqell1et" with aIl8CClli>Slon5", pll<ls. and odd/lions 1(1, all ropl6cemllnls 01.
N
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...1
EXHIBIT
IK
..~~
MORTGAGE
(Continued)
Page 2
ana all subslllullons for, any 01 sllCh ptOp&lIy; and logelher wllh 1lII pracBBds (Including wlltlout ~mllatlon 1lI1lnsuranc:e pl'OG8llds Ind relunds 01
premiums) Irom any sale or olher dl5poslllon 01 Ihll Propllf1y.
Property, The word "Proparty" means collacOvaly Ills Raal Properly and the Per$Ol'IlIl p,operly.
ReaiPropetty. Thewotds"RealProperly"/YlIIantheproparly,IIIietBSlaandrlghlsdescr\bedabovelnlhe"GranlolMorlgage"sectlon.
Relaled Documenls. Tile words "Relalad Cooumanls" maan and Inctude wllhoul IImllallon all promissory noles, credit agreements, loan
llgreemen~, guaranlles, BBCtItIIy egreemen~, marlgagllS, d8llds 01 lrusa. and III ok Instrumants, agreemenls Ind doaumenls, whell\e( now or
hareallereJdsUng.lIX8CulsdlnconflBCPonwllhlh8lndebledneslI.
Renls. Thl word "Renls" means all pressnl end lulure rlNlls, r_nUlI, Income, thues, roysUles, profils, and olher be1l9fi1s dlIrlved from 1118
Property.
THIS MORTGAGe,I~CLUDING THE: ASSIGNMENT OF RENTS AND THE SECURITY ,"TERESlIN THE RENTS AND PE!RSONAL PF\QPERTY,IS
GIVEN TO SeCURe 111 PAYMENT OF THE INDEBTeDNESS AHD (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS
MDRTGAQ~ ANtl THE RB.ATED DOCUMENTS. THIS MORTGAGli IS GIViN AND ACCEPTEQ ON THE FOU.OWING TERMS:
PAYMENT AND PI:RFORMAHCE. excepl u othllWlse provided In thla MORgIl8e, Grantor $hall pey to Lendar elIamounls AGUred by tIlb l.1or1sauo
as Ihay bllComa due, and shBn slrlolly perform eU 01' Granlor's obliglnons undal'lhIs Marlgagl\.
pOSSESSION AND MAINTENANCE OF THE PROPERTY. Granlor agrllfS Ihat Granlor'a possession and use ollila Property shall be govarned. by lllB
lollawlngprolllslons:
Posseaslon and Uso. UnIII In delaul~ Granlor may remain In possession and conlrol 01' and operale end manege ilia Properly an"d coIlao1lhB
AenlsfromlheProparly.
Duly 10 Malnlaln, Grantor shall malnlllln Iha Propertv In lansnlabla condlUon and prompny perform all rapal", mplac:amanls, and malnltllllnce
naoemrylOplfilNlIllsvalUl.
HllZllrdoua Subslances. Tha lerms "IIaZllrdous waslet "he:wdous substance,. "dlsposlll," "release," and 'l;real&nld reltlllSlt,. as used In lhls
Mortgaga, shall hava lhe 51m8 munlngs as sallorth In Ille Comprehanslve Environmental Response, CompensaUon, end LIability NJI 01' 1980, as
amended, 42 U.S.C. $acllon 9601, al seq. ("CERCLA"), Iha Superlund Amandmanl& and Rea:u1I\011ZaUon AoI of 1SB8, Pub, L. No. 9&-499
rSARA"),lhe Hazardol!s Malerlals Tranaporlallon ACI, 49 U.S.C, SlIOIIon lB01, al seq" the FleIlllUfC8 Conaervatlon and Rea.overy Act, 48 U.S.c.
Section 6901, at seq,. or olhar appUCClble SiBle or Federellaws, rules, 01 regulallons adopIGd pursuant to any 01 Ihelora;oIng. The I8rm5
"hueId0Ull wasle" Md "hazardous lubslanoe" shsll also IncIwfI, wllhoul UmllaUon, peltoleum If'Id petrol&um bY;lfoducls or any rracllon lhetaol
and asbeslO$. Granlor represenls and warrants 10 Lenclar It\at; (a) Outing th8 period of Grenlor's OWl\lltihlp of the Property, Ihate hu balln no
use, generellon, manulaolurB,slorage, lrealmenl, disposal, relessa or threatened rell8SD of any baWdous wasle or suhstal'llla by any person on,
under, or aboulllle Property; (bl ~anlor 1111 no knowledga of, or reason 10 belrevelhallltere has been, 8I!G8plIS ptGYIoLl$ly dIIcIllied 10 and
acknowladgad by Ll!ndGr 'I'! dna, ~l GOY use. genarallon. manulaclurl, storage, lreatmanl, dlspos&l, release, or threatened reIau8 01 any
llazatdous waste 01' SubSlallC8 by eny prior ownlP.l or occupflnts of IIIa-Pfoperly or (III-any IlOlual or Ihreale~d lI\Iaallon orc!llilms 01 a",kInd by
anype"on,e1atlnglosuohma.llars:and (Cl EKmlpl III prav!ouslVdlst:lOsed 10 IInd llOknGWladged by Lander In wrilfng, ~)nalItlarGranlorporenr
lananl,conlreClOl,llgenlorolheteulharl:mdusarolllle Properly shall us8,generall, manulaclure,s1ore,lteal. d15S)llSltClf, Drrelaaseany
. hazardous wasla or subs18noe on, undar, g( llboullhe Property end (II) any .uoh aaUvlly IhaII b. conduclld In compliance wIIh lltI epp1lc6ble
faderat, ,lata, and lOoallaws, tllllulallons. and Otdlnanoes, IncludIng w1tttoulllmltaUon lhose laws. 'eoutaUo~, and OId1nallOH described abOYtl.
Granlor aulhcm. Lender and lis .nls 10 enler upon the PI"Qperly 10 maka such Inspections and IeSlJ Q Lender AlIV deem appropllBta to
deklrmlllll compllence 0'1111 Proplll1Y wilh Ihls seDDon ollhe Morlgage. Any lnsPfIOIIons or iasb nwle by Landar lUG be lot lendiIr'a,purpOl8ll
on/)I:andshallnolbeoonstruedlocrealBanyfesponslbllllyorllallllllyonlhepl1lo'Lel)der10 Gr&nlor:Cl 10 IAV alhllf penon. ThBrepr'6Slnlatlo1ls
end warranlles aonlalned herein lII'a basad on eranlor's dult dlllgenc:e In lnwsllgaUnlJ the Praperly 10( hUafdaLl8 wasle. BnlnlDl' hllt8by fa)
reI,11llS1S Ind walvas any lulure aIaImsagalnsl Landlll" for Indlmnlly or llotllltbutlon In lite event Grenlot beIlomll liable rorclearlup orolharollSls
under any sllDh laws, and (b) agrees 10 lnclamnlly and hold hB/'mI8st Lender a;8/na1 any and flY aIaIl1II, _",lIablBUltI, damalJlls, penallles. and
expenses which under may d1reolly OIlnd1recOy suslaln 01 sulla, resulllng from I breach 0I1hls aeonan of lhe Mortgagellf III e conaequeAClll oJ
Iny use, gell8rllllon, manulaalura, slarege, dlspo"" release or Ihreale(l8(l retaasa OCIlurrlng prior 10 Granln ownaratllp 01 IrdlIr8'SI In tho
Properly, whelher or nallhB SlIme w'!s or should have baan known 10 Grantor. The plovlslons or IhIa seoDon of !he Modga.ga, Jnoludlnglhe
abliaallon 10 Indemnify, Shalllllrvlve !he faym&nl 0/ Iha IndebtldnllSli end the sallsflllUall and recanvayallCll ollha liBn llllhla Matlga;t Ind stlaII
nolbeIlfaoledby Landl!r'sacqu1s1Uon0 anyllllaresllnltlaPl"QpGrly,whalharbylafilclosuraorolherwllla.
NulSllnce,WIsle. Gfanlorshallllolcause,conduolorparmltanynulsancenoreommll,parmll,or$ulleranyslrlpplng 01 OI'waste on or 10 lhe
PfOpertyor any portion of the Properly, WlItIOulllmlllng ltIageneraUIy oIlhl foregoing, Granlor will nal rlmove, or grenllo any olher pari'( Iha
right 10 ramove, any limber, m1naral, (Including 011 and gBs),soll,9'evel or rock produclS wllIlou\ ltIe prior wrlllanoonsanl QfLand8r,
Removal ollmprovamanls. Granlor shall nol demolish or remove any tmprovan\8nls from lhe Aael Propetly wIlhoullhe prior wraUen consenl 01
LInder. As e condlllon 10 the removal 01 any tmprovemanls, Lander may require Granlor to make Il'fllngemsnl$ satisfactory 10 Lander to replllca
suen lmprovaman!s wllh lmprOYllmunls 01 allaasl equal vallie.
Lander'e Righi 10 Enlar, LenOef Ind IlS,egenl, and rapresenlallves may anler upon Ihe Real Property allltl reasonable IImIl$ to allend to
Lendar'a Inler8$ls and 10 InspaCllhs Properly for purposes 01 Granlor's compDance with lhe lerms and condlllons ollhls MortglQ8.
Compllonce wllh Qovemmenlal Requlremenla, Grintor shall prompUy comply willi all laws, ordlnancaS, and regulallons, now or herealler In
aKsel, 01 all govetnmanlalauthorlllas appiloable 10 Ihe use or occupancy 1I1111e Proparly. Grantor may conlest In good fallh any slHIh IIlw,
ordlnanoe, or regUlallOn and wllhhold compliance during any prOClllldlng, Including approprlala appealS, $0 long IS Granlar has noUhd Landar In
wrIllng prior 10 doing so and so long as, In Lander's sola opinion, Lender's lnleresls In IIIB Propartyare nol taopanllud, Landarmayrequlra
GranlartoposladequahlsllCwllyorasuralybond,raa$onablysellsfaotorylo Lender,loprolaol Lender's Intaresl.
~ Duly 10 Prolecl. Granlor sgrets n.a1ltllr 10 abandon nor leave unallended Ihe Propel1y. Grsnlor !illall do all olher acls, In addlllon 10 those &cis
00 sel Iorthllbova In lhls saollon, which f tom lhachatecler and use ollhe Proparly era raasonablyAllCeS$ll)'loproteclendprasllMllhaPraparty.
DUE ON SALE _ CONSENT BY LENDER. Lendar may, allls opllon, dlclera lmmadlakt/y dua and payable all sum' SllCured by this MorIgaga upon the
sals or nnsler, wllhou\lha lender's prior wrlllan consanl, cI all or.ny pari of the Real Properly, or any Inlerest In 1118 Aeal Properly. A "saIaClf
lranlktr" maans tha convavance 01 Raal Property or eny righi, UUa orlnlarll$llheraln:whalhar.lagal or aqullabte;whslher voll.lnlaryor Involunlaryj
whalharbyoulrlghlsata, daed,lnSlellmenl sale conlracl,landconlracl,conltacl lor de&d,laasaholdlttlaraslwflh a lermgrealerlhanlhree(3)yalUli,
lease-option conlraCl, or by sale, asslgnmlnl, gr lranslar of any benallc!alInlaraslIn 01 III any land trust holding mle 10 the Real Properly, 01 by any
other melhod 01 convevance 01 Relll Property lnlarast. II any Granlor Is a corporallon or partnarshlp,lranster also Includes any change In ownership 01
mota lhan twanly-flva parcenll26%) ollhs yoUng slock or parlnershlp Inlerests, 8$ lhe 08ge may be. of Granlor. Howavet, Ihls opUon shall nol be
IICIl'CIsed by Lander U suc:h eurolsela prohlbll&d by led&lal law or by Pennsytvanla law.
TAXES AND LIENS, Thelollowlng provisIons relallnlllolha lau! and liens on !he Property are a pe.r\ allhls Motlgaga.
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MORTGAGE
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PDYmenl. Granlar shall pay when due (1I1'd In ell GVlInl$ prior 10 delinQuency) an taxes, p/l}'l'llD Iaxes, speolall/lX8s, 8lI&8!lsmenls, waler ahtrges
and SllW9r saMce ahElrges levied eoslnsl or an scoaunl ar the Properly, and shllll pay whsn dUll aU dalms for work danl on or lor StlrvlcN
rendered or molorlal furnished la Iho PrapllTly, Granlar $hell mufnleln lhe Properly !rea Glaa Dans hiVIng prforlty over or equello Ihe Inloresl o'
Lenderund9l'lhlsMorlgagll,exceplforlllellenorlaxDssndlSS8$Sm8nlsnoldue,exceplfclrlhllllblllllnolftdobllldnlUl8ll1rrt1d labelow,snd
ex~lasothllrWlsspfOllldlldlnlhelollowlnoP4f8Qfaph.
Rlllhl To Conlest. Granlor msy withhold plyn1llnl of any I&x', 8IlSCWImenl, or claim In conn~lI11n wIIh. tioad FaIIh dlspUle OVllr Ihe obllaallon la
pay. so rong ll$Lundar's 'nteresllnlhlll Propllflyl5 nalleopardlzlJd. lIellenarrses or Is mEld liS al8&UR dfnanpaymenl, GraniMMel1 wIlMn nneen
(16)dIlYl.SnlWllJellllnarls8sor,lfaUllIIIIsOled.w1lhlnftIlBlNI(lS)daYtaflerGranlorhssnolICIIDr!henllnO,&eOUl'8lllearsc:"ltgllO.lhDOell,orlr
reques18doyLender,dllpasllwlthLelldll'llllShorasullloleIlIOOrpcralsslll'etybondcrolherllioutlfy$Dltsraotarylo Lindur III ellalllounl su/llcfenl
10 dlschargelhs lien plus any aGsIs and allorneys'loGs (/I' olher chllrg9S Ihsl pould Gcot'lle as I mUll of a forsolo$lll8 or l8fe lInder Iha lien. In
SIlY 001l1es\, Gl8mOl' allan dalelld nun 8116 \Ander and shill $81lsty an)' adverH ludglTl8llllXllOJO snlorcemell\ agitllst !he Pn;Jperly. Gral'llQt Shan
nama Lender IS an addlnonal obllgea under Iny IUI'tIy bond furnished In Ihe eonl9sl ProceedlnDa.
EvldllnclI 01 Paymllll. GrlInlor ahaD UPl)ll damslld lurnlsh 10 L8nder saflsraclorr evldenal or paymanl 1;11 !he US or IlSUHrnlnls and shall
slllhDlize Ihe approprlale gCMlrnmanlal olllelal 10 dertvur 10 Lender alan)' lime a wrlllen slalsmanl ollhe !axes and assessmenls agalnallhe
Property.
Nollce 01 Conslrucllon. Granlor shall noDIy Lander slloul nnuen (15) days belots en)' work 1$ cominencsd. anr s8l\llcealil'tllJ1nlshed, or sny
mBlarlalll Irl suppnsd 10 Ihs Properly, II any mechanlo'a Den, rnelerlllmen'a IIBn, or olher llan collld bEl asserted on accounl ollhl worIl, seMees,
01' malerlals dnd lhe cosl sxceeds $5,000.00. Grenlo' wlU lIpan requa.1 01 Lender furnish 10 lender advance SSSllrenaBI saUslaclory 10 laMar
IhaIGranlorClanandwlnpa)'lhlcoaIClrsuohlmptOVllman18.
PROPERTY DAMAGE INSURAf'lCE. The 'oIlowlng provisions relanng 10 Inslll'ln9 Ii'll PtoPlrty al8 I parl of Ihrs MorI;R;a.
Moll'llanane. Or Insurence. Granlor shall ~ Gnd malnlaln pollolfls 01 Ore 1n8l1r81'1C8 WIlh IIlandard .,.Iendlld coverage endot'S8mBn's on e
replacomenl basla fo, Ihe lUfIlnaursble vaIUa covering air ImpllMlmanl5 on Iha AeaI Proper!)' In en amoU/'ll sufflulerlllo avoid appKellton or any
coinsurance c1ausll, and with I slandard rnortoagae c1Buse In lavar of Lendar. PolklleS ehaD blnwfllan by .uoh rll!llJl1lftC8 oompa"," Ind In such
lorm as ma)' bl reasonably acceplable 10 LInder. Grsnlor shaa dlllvBr 10 Lendlr certlnceles or COV8l'Ilgl !rom each Inslll1lr conlalnlng a
s\!JluiallDn Ihll CO\IfIrege will nol ba ClnaeIled or diminished w1lhouta minimum oIlan (10) days' prior wrllle,lI_ nollce 10 Lender Ind 1'101 conlalnJng
~dI$d."lm8I' olllYal~Illb!lllylOl' lall\lf$ \o;mwet\1'oOb.. b\IIdU\e RhIP<<Jpllr\y "'anyllme_m&~lnlm 11m ~lecI
by Iha OlreclOl' 01 ilIa Faders! EmergeltC)' Managlll'l9n1 p,gancy: aa a special nood hlzanf lrea. Gi8nlor 89_ 10 oblaln and maln!aln Fld..l
Flood Insurunco, 10 Ihellllenl such Inallranals I8qlllred and Is or beoomSll available, lor Ihllerm of !ha loan and for the fun lInpsld principal
balance or lite loan, or lhe maxlmllm limn 0' COV8tage Ihllls 8vsDable, whlohGVllr Is lau. .
ApplloeUon of Proceeds. Granlor shan prompll)' nDllIY ~dllr of IIny 101l1l or dlntSgs 10 lhe Properl=. n ths _1Im.lld cosl of repair or
replaoemenlsxcaeds $800.00. Lender may mlka proal or Iou "Granier fallI-lo do so wIIh1n nReen (15) 01 I~ OlIsualty. Wltelh<Jr or nol
Lendlr'a saclIrlly Is Impsll8d, Lender may, allls eleollvn, apply lite proc:aetfs 10 Ihl fBduc:Jlon 01 Ihe lTi,deble nsa, P1!)'men1 or an)' IIan Inecllng
lhePtoperly,orlhltl1lslorallonllndt'8PalrollheProplrfy. lIl.endlltel&PIstOIPPIVlheprocudslortiloriUDn_lIndrej)gIr,GnInlorllhan repairer
rlplllllllhl dIlmaged or dB5lro~ad Improvomanl, In a m!lMar sallslcoldlY 10 J.sndll'. lIlnder shall" lIPon _iliillsraotcrv prool olsUOh IllPllndllure,
pay orrelmbUl18 Grlnter from lhe proceeds r<<lhe ~oll8blll cosC of replllr orril81orallan" Granlcit.1i ili:ltJn ci8filuR hlll1llfnder. Artyproceeds
whIch have npl been dlsbursed wllhln 180 dBys afllr Ihalr racelpl,ancl whlclh Lencl8r has "~llU)Jltmllled 10 Ihi repair llr l'f!llonillon oIlhe Property
shall be lI&E1d Oral 10 pay any emounl owlng lalandlr urMfsr lhls Marlgsga, lharlla prepay korUed Inlen!jil, and Ihl remalndsr, l,al'l)', shan be
IlPplled to Ihl prlndpal belllnas 01 lhe Indlbtedns". II LlIllder holds any proceS:ds allar paymenlln ruB of Ihe IndBbladnen, such procaeds shan
be paid la Granlor.
UtIelCplred InsurancI al sare, Any unexpired InsUl'Qnce shall Inlllll 10 Ihe bln8ll1 01, and PSS3 10, Ihl pllrc~lSar al IhI PniPlrly ooomld b)' Ihls
Morlgaga at any truslea's saIlor OIhar sale held undllr Ihs provlalons 01 1II1s MorIpgll, or 811111)' loreolosure $lite or slJCh Properly.
COmpIItmteVfR"e.ds\lnl'ndebtedneas. D\lfIn9\M ~lnwl\1el\a!\Y~1nd9bta\lnll$S~db8lAwl$\n~I,e.omplIs.~wI\hU.
Insurance provisions eOfllslned In Ihe InslrumlnlllVldlncln", such ExIs1111lf IndebtednBSS sheD consmult compliance wllh Ihe Insurance provisions
under Ihls Marlgage, 10 Ihs lIlltenl COIll$l'ancs wllh IhlltlNlll_of IIIrs Mortgags wOllId conslllutu a dtJplloaUon ollnslll'llnce requlremlnl. II IllY
proceads !rom Ihll Inslrr8nca bacoma payable on loss, Ihe. pfOlllslons In Ihls Mortgage lor dMlIlon 01 prOCilSds shaA IPP!Y only 10 Ihal porUon of
the procelds 1'101 payable 10 !he holder ollhB Exrstlng Indeblednl". .
EXPENDITURES BY LENDER. II Granlor ralts 10 comply Wllh a.ny pr~Jalon oIlhls MorIgagl,lncludlnq eny cbrIQBlIon 10 malnlaln ExlsUrl\J Indeoladness
In good s1andlng a9 reqtllred balOW, orllany 8Cllon or proceedlng It; Clommllncsd Ihal woUld mlllarlall, l"scI.UIII~1Il"s /nle198I'," the Propllrl)', Lender
Oil Granlor'& bahal! ma)', bul ahall nol bl Jequ!ruil to, I"'e eny aollon l~allender dlSms apprq>>llde. Arrt .mliunUhallljndlll' 8XIlende In 80 doing WIll
b9.r Inllrealallhe (als charged Llndar Ihl Credlt Agreemenllrom Iha dllle II'IOUIl'8d or paId by Lender 10 lhe dille of repaymenl by Grantor. AU slII:h
lIlCptIlSBS, al Lender'! optlcn, wUI lal oe payable on demand, (b) be Idded 10 Ihe ballnGI OUM DI'G~ltlll'\1t and be lPPortIoned Im,ong slid be
payable wllh all)' Inslellmenl payments lo become due durl/'lg ellher (l) lhe term 0' In)' eppllcllble Initlran!t8.poltay or ~Q Ihlt remaIning Ienn 01 Ihe
Cnidi\~,cr (c) he. !ru.ld u Ih~~...,t\1ch'NlItlMduBe.ndpa.'1ablsollM~~nt'Ilme.Iu<UY. ThIt~lIpalsowUI
SBCUfB paymenl ollhesa amollnls. The rights provldld lor In IhI:s peragrsph shall be In addl1lon 10 any olher righla or III)' rsmedles 10 which Lender
"'] ml)' be entllled Dn acoounl 01 Ihe delallll. Any Sllcl1 aclIon by LlInda.r 5hsllll0l be conslrtled III curing I.he default ao as 10 bsr Lendar Ironlany romldy
g Ihalll olhllWlse would have hall.
~ WARRANTY: DEFENSt!; OF TITlE. The lollowlng provlslona relating to OWI'I8i'Shlp or Iha Properly lII1la pari or Ihls Morlgap.
\001. TVoIe. Gramor wanertls \l1a1: II.) Glamflt ttohb good and mat\\eIa'o1e \\\Ie oIlmwd 10 ltle PlOP,*," In m 1IrrcIa,Im and cleM 0111\ IIa.n& and
o allcumbranCIlll all'ler IlIall IhClH "I !orlh In lhe Flelll Property dl!sCl'lpUotl or In Ihe ElIIsUn; llIdebladneu IlioIJan belOW or In any Illle Insll"llClI
1'V pollcy,lIllerapOTt,orrlnallllleopln10nlssuldlnlevor_0I, a/ld.llCOeplhdby,l.andarlnCOllnsolloltwllh IhlsMorIgllae,and (b) Granlarhas Ihl'uN
.~." right, pOwer, and authorlly 10 8lIeClIle and deliver Ihls MorIiJlga 10 Lertder. ,
,',! Defense 0.1 Tille. Sub/lOllo Ihe IIllC8pllon In Iha paragraph above, Grenlor warrants and wm forever defend Ih8 Walo 11'111 Propsrt)' agllnsllhe
ta\lllul ~m, 01 III pemms, In 1M eVMIe.lV( don or ~QCI1e.tJ!ng ls commlnced Utal quesUoM. Gfenl0r'8. nue or tI\8 In!ereal 01 Lender under Ihls
;" Morlgaga, Grllltor shall dallnd Ihe adon al Gralllor's axpense. Granlor may be Ihe nomInal pari)' In auoh pt0C98dlng, bul Lander aha1l be
~ anmlld 10 Pllrllc1pale In Iha procsadJng llnd to be ropresenlad In Iha prOOlladlng by counsel 01 Lender'l own choice. and Grllnlor wlU dalI'I8I', or
'-0 callSl to be delIvsrod,lo Lellder 8ucl11nslrumsnls a,Lendllr ITI8Y (equlsllrom Orne 10 lima 10 perynll sUCh perllc/pallon.
Compliance Wllh Laws. Granlor warrlnls llml Ihe Proparly and Grllntor's tISG 01 Ihe Properly Ilomplles wllh an alll5llng appllceble laws,
ordlnanaea,sndreaula1lcnsolgovernmanla!aUlhorllles.
EXISTING INDEBTEDNESS. The following provisions concernIng IIldsllng Indebledne~ (the "ElIIsllng Indabledn8S$1 Bra a part ollh!s Mortgage,
Ex.sUng Lhm. Tha Ilsl'I 01 Ihls Morl;agl S&<lurlng Ihllndebledness may be S8Ilondary and InlerlOl' 10 sn axlsU/lg lien. Granier Ixprassly
covsnSllls anllegraes 10 pay, or sse 10 lhapaymanl 01, Iha Exlsllng lndsbladness and 10 prsvanl any dalaull on such Indlbtadness. allY daraull
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MORTGAGE
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under ItIe Inslrumtlnls evla'enclng such Ina'et\fea'ness, or an~ defauff una'llr any ssculffy documents for such Indebl&a'nSliS.
No ModlllcallOll. GranlOl",halI nal enter Inlo any agreement with the holdllr 01 an1 mortgage or olher IllClJrlly agrelmtlnt which has priority 0'l8r
this MortgaQi by whbh Ihal agroomenlls modlned, amsna'lld, P11i1!lded, or renewed wlthoutlhe prior wrillen consenl of Lender. GronlM Shaft
neither requesl nor acceplen)' lulllro adllana's under all)' such saourlly agreem&nl wllhoultt\e prior wtIl\en consent 01 Lender.
'. CU>NCEMNATION. 'The followlng provll!lons re1aUng 10 liondemnaUon 01' lhe Property are a part oIlhl$ Mortgage.
App"C1IUon of Haf ,rocud'a. "BIf 0( any pail of ltIe Proplll1y Is OQ/llfemnlKl by emfnem cJomaJn ptOCHd'fngs or by any pIOC8Gdlng or pwohase
In diU or condemnallon, under may allls a~Uon requlrelhal all tJl any portion all'" nel plOO88ds or the aw~ ba 8Pr,Rad lolhllnd8b1ed1llllS
or Ihe f8PaIr ot,reslonlollon oIlha Pfo~. The nal praaeella ollhe IIWllrd IhaII mMn lhe owtlrd' al\aJ payment 01.11 sa ual oal", tlIPenll8l, end
allorne,va'_lnCl,lrredbyL.&nderlnconnQC\lonwllhlheconamneUon. .
Proceedings. II any proceacllng In condemnatlon Is Oleo', GrenIOl ehalI promplly ROlIf1lender In wrlUng. and Grantor IhBII promplly lake such
sl8ps U ma1 be nDCeSSl1/y 10 defend the sellon Ind obllln lhe award. Granlot mar be Ibe nomlnal PBrt11n IIICh piaaeadlng, but Lelldershall be
enlll1ed /a pefflGlpfW 111 Ills pl1JlMGdlrlg and 10 be r&prfienl8c:l /n Ilia plVClsedlng by cllllMllS of IIa own Ghofce. Ind Gtanlor will deIIwr or Cl1USOCo
be dellVElraq 10 Lender such InslrUmenls as may ba requesled by Illrom lime 10 lime 10 permll such plfllclpaHon.
IMPOSITION OF TAXES, FEES AND CHARGES BY GOveRNMENTAL AUTHORme:S. The 'ollowlng provisions ,alaIIng 10 govemmenlall&xe5.len
Inlllihargesafeapol1ollllbMortgllgll:
Currenl Tllfes. Feee and Charges. UpOfl raqulsl by Linder, Granlor shell lllIllCIUle luch documents In addllton 10 ItllI MorIQIIga and lake
whatever oll\et acllon Is requuled by Lendllt 10 perlllot and conllnue Lender'llllen on IIIe Rul Praperl)'. GranlO(.haII ralmbWH Lender lor 811
lUllS. III described below, logelher with all mepenHS Incurred In recording, Parlec~ ClI conUnulng lhls MorIga;e,lncludrng WllhoulllmllBUon.1I
I axas,leeI,documenlarysla.,and IHlllI'chlrgeIO(f8COFcIlngor reglsler!ngIhItMollgaglt.
Toxes. The lollowlng IhaIJ consUlule tsxas 10 which Illb s8O\\0n applJesf ia) a speclllc Iell \lPon Ihls Iype cl Mortgage or upCIn all or any pari or
lha Indsbleaness secured by IhIs Mortllage: (b) alpao/lIc Ilx an Granlor which GranlOlIs alllhQdzed or raqulrad 10 dedllGl from payments on 1118
Indebledness secured by Ihls Iype or Morlllagel (cIs lallon IhlslyPe at Mcrtgell80hafgeable agafnsl lha under 01 lhe holder 01 the Credll
Agraement; and (d) fl speclllo IU on ell or any parDon cilllle lndebllldnll5l or on peymenis or prtnclpelend InltiGsl mada by Grantor,
Subaoquenl Taxea. II any lme 10 which Ihls escllon applies 15 enallled ~equenl to the dale ollhll Mortgage, lhlsavenl !hall ha,ve the Sllme
erred as an ElISn! 01 Oelau" (u dennld below), and lender ma1ellllrclse allY or an ollis available remadles lot an Ewnt 01 Default u prollldfld
belOW UnlllSs Granlor sillier (a) pays Ihl IGX belore It becomes daOnquenl, or (b) contests Ihe lme III ptII\'Ided above In Ihe T8ll8I and Llans
sllellonanddeposltlwllhlendercashorlsurlfclenlcotpCralasurelybondorothatSllCUrll11tllslaol0f)'loLender.
SECURITY AGREEMENT; FINANCING STATEMENTS. The/ollowlng provisIon; rel&Ungla Ihls Morlgage II a sscurllv agrll&melllare e part oIlhls
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Sel:urIIyAgreemenl. This In,lrument shall conslllule a secUrllvallre&lmlnllolheaiclent anygl Ihe Property'oDnsUIUleslilfluf8$OIolherpellianal
properlv. and Lender shall haw all 01 the rtllhlsol a sscured party under the Unllorm Commercial CodellSlmendad from Ume 10 lime,
Sec:urlty InlGlesl. Upon requssl by Lendar, Grllntor shallelClICUte nnanolng slalements Ind Ilks whlle\t&l' a1bar aoIlon Is requesled bV Lander 10
peneclend oonllnua Lender's securlly Inl"eslln tha Rania 1M Personal Ptoperi',!. In addlllon Ia rGCCH'dlng Ihls Mortglga In ltIe fMI propar1y
records, L~dllr may, II any lime and wllhoul lurther auDlorlZQUon Irom Grantor, Ilia 8llsculad counlerparts. oople& Ol reprOtluollons ollhl5
Mortgage u a nne.naInll slfllamenl, Granlor shllll ralmbuftle lender lor alllPplnsellnourracl In perteollng 01" conUnlllng Ihls l8CIurlly InIerBsl.
Upon dlll&\lll. Gralllor slWlluemble Ihe Persons! PropllJty In a mannlf and al a plaCfl reasonably convenlenllo Granlor Ind Lender and make II
allallable 10 Lenderwllhln three (3) days alter recetpt 01 wnllan demend Irom Lendar.
Addroll9OS. ThemalllngeddrUSsesoIGranlorldal)torlandlendlll.(seowedparty).lI~m which InformaUon COf'lClll'n1ng lhe I8CIUrlly Inlerasl
grllnlad by Ihla MorllJllge m,y ~ oblalned {aach III required b11hll Unllorm Commercial Cadel, era al slaled an the lIral Plllla allH8 Mortgage.
FURTHER ASSURANCES; ATTORNEV.IN-FACT. Tllelollowlng provisions relallng 10 Iurlher ISsuranoel and altomey~rWsct ara a pail ollllls
Mortgagll.
Furlhet AtsUrancel. A1eny Ume. anll Irom Urne to Ume, upon requul 01 Lender, Granlot will make. axecule end deliver. or will Clauss 10 be
malia, eMeculad or d11llve(ed, 10 Lander or 10 Lender's dllslgnse. end When fSqUUIed b}' Lender, oause 10 be Oled, racordid, relied, 01
rerecorded, as lhe call mAY be, al such Umss and In such _olllces end plICal as Lander may dllllm apptOp(l&la, anv and 1II such modQ&ges,
deeds oIlrusl,secLll'II~ deella, seculIly agreernenl9,lInanoIngslller1lenl1,conllnuatlonsl&lernenlil,lfl5ltumilnls qf lurIhllf IS surance,car\lIIoaIas.
and olhBr cIol:unIenls as 1nlIt', if1lhtr'folB cpktkm alLender, tJa IMCBimyorrhJl/tlibla- if1lt1d8rki (I_ole, compfaIs-, rmrffGf, COItlkwa, Of
preserve (a) Ihs obllgallc", cl Granlor under Ihs Crellll AIIreement, 1hI1 Mortgage, and Ihe Rllaled' Documenta, snd (b111Vt llenl lInd seowll1
Inlerasll orealed b11h1s MOrtgagl on the Propert~, whell\Br now owned or hereafter Illlqulred by Granlor. UJ\/ell prohlblled by law or agra&d to
IhecgnlrarybVLenderlnwrlUng, GranlorlhaU ralmllurseLenderlorall cos18sncfexpenses I nourradlnconnecllonwtlhlhemallafSrlllerredlcln
Ihlsparegraph. .
Allorn&y-I....FacL II Granlor faUa 10 GO eny 01 Ihe Ihlf19S relerred 10 In Ihe preceding plIl'lIgraph, under may dO so for and In lha nsme. 01
GrenlcrandalGranIor'sDpeflSs, FOfSUCll purposes.GoInIOfhBrabyImlVOCBblyeppolnfslencleraIGolmor'sal~fscfffltlhepurpose
or making, 8llecullng. dellvartng, Ollnll, r8cordlng, and doing allolher Ihlngs III maybe nllDflssary or desIrable, In Lender's sota opinIon, 10
lICComp"shthemallsrsrelarredlolnlheprecadlngparagrliph.
FULL. PERFORMANCE. II Grantor plI)'l1 aU Ihe Indebledness when due. lermlnales Ihe credllllna acoaunl, and clhefWl~ performl aD the obligations
Imposed upon Granlor under Ihis Marltlage, Lender shall /tllSCul8 and cleUwr Ia Granier alUllBble B8l1SlaotIon at IhIi Mortgage and suitable IlBltuMn"
01 termlnatlon II' anv Onanclng Sm18menl on Rle evldenclng Len~r's HOl/rlly Inweslln Iha Renls and IIIe ""'cnal Properl~. Grantor win par, II
permlned QV sppflcablelaw, any reasonable lermlnalllln fee as delermlnad by unclar franI fImlICo lime.
DEFAULT. Eaoh ollhe logowlng, al the opllof'! 01 Lendar, shall conslllule an 811&nl 01 defaull ("Event 01 Delaull"l un'" lhIs MorIgaQl: (a) Granaor
oommlls fraud or maluls a malarial mlsrapresenl4llon el any lima In oonnaollon wllh the oredll line Iccaunl, ThI!l Oln Include, lot example. a laIsa
slalemenl about Grenlor'a lnooma. I5sal$, Uabltlllas. or Iny IHhar asplcts at Grantor's nnancl&lllllndWon. (b) GranlOt daas nol masl the ftPeymenl
lermsoltheeredltUneacc::ounL (o)GranIOr'laollonorlnaollonedverselyallatlllhlloollateralforlheor8dlIUnaaoaounlotundllr'lrlghlalnlhe
oollaleflit. This oen lnoIude.lor 6Xamp!e, fallure 10 malnlaln required Insurance, wasil or delllrucllllll Ulla ollhe dwelling, lalltn 10 par .... daalh 01 all
personsllablllonllleaccounl, /ransleral<<lle<<safa ofltre dWB/Ifng,crea6on ofe/lll"onf/fedWelllngwllltQu/Lendet'lpumfsilolt.~bf/he
holdsr OIanolh" lIan, or thl use ollunds or !he dwelling lor prol1lblled purposes,
RIGHTS AND ~eMEgIES ON DEfAUl.T. Upon IhellCC\/rrlnce or anyEllent 01 Otllaull and III any lime Ihellllller, Llndlr, allls opUon', may elrflrctSl
eny anI or more ollhe lollo~ rtghls and rlmadles.lnaddlUon to eny olharrlghls orran'llldlas pfOllldlldbylew:
Ateeleralll Indebledrless. Subject 10 applicable IDW, Lender shllll hava Ihe r1ghlllll~ opUon wlthoul i'Iotloe 10 Granlor 10 decllre lha ef'rllra
lmleblsdllll$S lmmBdlBJBly dllB ami plII'Bbl4.
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MORTGAGE
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ucc Fltimedle.. WIl" respecl '0 II' or any Pllrl 011118 ~Qnll PrOperty, lAnder IhaH have 11I1118 rights and r8meclll. 01 I HClwecl PI:ITty under
I/lQUnI1ormCommercIsICad6.
eollRI Flenll. Lender shin hl:lvo Ihe I'Ighl, wllhoul nGUoe 10 Grenlar,lo lake pOlsualon of I,", Property end col1l1Cllhs_lltenls, InclUdIng emDunls
pasldll8andunpald,andapplylhlln&lproollads,lW8rand8bOll8Lendllr'ICOlIIlI,a;aInsllhelndeblad1I8Sll. lnlUrlharenOlollhlsrIQhl,Lancl8l"
may require anv ,lananl or ollltn uur ollhe Proparly 10 make paymenll of I'Ilnl or uae faes d/reCIlIY 10 Lendllr. II the RGnI!I are coIIeo\ed by 18ndar,
Ih8n Granlor lnevocab,V deBlQnal&S lander 8$ G/anlor'li allomey""n-lllGlto endOr1lll 1N1nufllInls rece1wd In paymllnt lhBnllll'" lIMa Mm9 of
Grenlorandlonega,lalelhesarneandcaRacllhepFooeeda. PavmenlB bylllllllnlt or oIhet UlBFII 10 LandClr In nlIPOIlH 10 Lander'l d8rnl"d shall
I8lls1y lhe obllgaUons for wh'llh 1118 paymenls ai'll made, wh8lhBr or no! 81\)' proper grounds lot DIe dlll'fliind ulslad. Lund. may Q1Cero!se III
rlgh'lUndarthr'lubparagTllphlllhllrlnperson,bvagBrll,orlh!'OUDhafllC8lVer.
AppolItI ReceIver. LtrrrdBf shan hive IhBtfQhl19 havaa nlo2tIwraPlJQl/lled 10 Illy plJUtlUkm 91 alltullnypsrf rJIlh6 Propetfy,ll'Ilh Ihl1 power 10
prolllClandpntSlllVEllheProp8tlv,looparalelhePropertyPl'llClldlngloreclQ5UfllorSGla,andloCOlleallheFlenl~ from_1ha Proparly and apply lha
proeM-ds, aver and above Ihe casl ollha rucelven;hlJl, agalnsllh8 IndllbledneH. The I'IlODlYer may SSM! wllhoul bond 11 permlll9d by IbW.
lSlldm's rlQhJlolllD.lppolnll1larlloll f8CtI1ms/lalleldsl ~hertNnollhBappffS'" wfwtdlhD p,cpml)illl/C.llld, Ih.s~b)'.
suballnllolamounl EmplOYlllllnl by l.Gnde' ,h811 not d1squalllya person Irom serving B8 a I'IlClIlVflr,
JudlcIIllFOI'8(l'o.sure. LInder may oblaln e Judicial decnllJ lorecIosIng Granlor's Inlornl In III or any pari ollhe Propelty.
PosseUlon 011h8 Properly. For lhe PWPOI8 01 procurlng pOllSllBBlon ollho propalty, Grenlul' her8by eulhorlt.es and IJmpOWQrs any 01lorMV l!I
eny courl 01 record In Iha Commonwellth 01 Pennsvtvanla OI'e1sewhi1re, u allorney lor Lender lltld aD pelSClnlS c1lllm1ng undlll' 01' Ihrollgh Lander,
10 slqn an aQlB8mSm Icr S1I!erlng In IIIV 0C1IlPsIeni cOUTt an am/Dtbht lIClllon In ~ IlJr pOlHlSlCm dIM Pmptnly &lid hlo fIPPIJM IlJr Inti
conlen Iudgmanl agatnsl Granlor, and agllnslall ,persons claiming lInder or lhrougll Granlar, lor Ihi recovery by Lender of possllBSlon ollhe
Properly, wllhoulany stav 01 MlllCUllon, lor wllloh Ihl, Mortoaae, O1a cop)' of IhlS Morl;egl Yl!rlllad by elOdavll, shell tit ,sulllclenl warrarll; and
IIfetfUf}-alr.Wilto'Jm~maybt-lssusd'orfhwllh,wfthoul"rryprllrrwrntJr~whsllOt"",
NonJucllcla1 Salt. II permllled by appllCllble law, Lender mo)' 10rBCIOllll Granlor'J Internlln all or In any parl ollhe PlIBOI1el Properly or lhe Rllel
Prop8TI)'bynon}udlalalslle.
oenclllncy JUdgment Lender mlY obtain B Judglnenllor any denckmcy I'lImalnlng In Ihe Indsbledn8ss dUI 10 lander liter eppnoallon 01 all
amounLsrlCalvedlromlhllellerolseollherlghlsprovldedlnlhlBlacllon.
Tenene, II Sullal1lnce. 11 Grenlor remelnlln ponasslon 01 lhl P,operly anar Ihe PrOPIll'Iy Ie Bold aB prcutdad above orlellder oIherwlse
becomesen'IUld 10 possession 01 Ihll Properiy upo", dlllaull 01 Grenlor, Gran 10'lhaftbeoomllalenlnlalsUlloranceollendarorlhepurclllsero!
lhe Properly Md shBlI, al Lendel's opllon, alltoer la) pay II r'l!uoOBbI8 ren14' lor lhe use 01 Ihll Proparty, or (b) vacate lhe P'oper!y Immadkl'ely
uponlhadBl1\Indollonder.
Olhor Remedlas. lender Shall haV\l all olher ~ghls and lom8dl1lS provided In Ihls Morlgage or Ihe CI'8d11 Agreemen, or avallabte .1 law or In
equIty.
Sede ollhe Prop"ly. TO Ihe e_lenl permlllad by applloablelaw. GranlOl' hereby welva& any and ell right 10 have 1M propllI'Iv rnarshelled. In
D.Q'o1!l.np Jllllf9hIs and fElmf:ldln. LernlIl1 sball be Iree 10 soli all 01 any pari ollho Propelly 11l911lhor or sepllralllly, In one ulB ar by sepllrala
Sll,as.Llnderllhllllbeanlllledlob'dalanypubllCaaleonlilnorenyporllonollheProperly.
Mollce01 S.le. lender shall give Grllnlorl8lsonable nolll:e ollhe nrnll and place 01 any publlo sale oIlhe PersonllPropor!y oror'he llmll alia'
which any privelll Sl!Ite or olhar Inr.ncflld d1SPOlllllon ollha Per;onal Proper1y I, 10 bEl mlde. Unfeu ofMJrwfw requfrad by eppbble faw,
reaSDnlblanoUoeshallrneannoUceglvanallaas11enll0)dlIysbalomlhenmeol'hossltordls!)OlllUan.
WalVllf'1 EIt:ClkM 01 Remedies. A wa/1I9f Dymij' pllly cia broooIr- at a provl8lon ""hIs ~ ihaII ~ com/lhllll' II waiver of or P1sjvdJce III'
parly's rlghls olhllrwlse 10 dllmaml slrlct compnlncl) wllh tllll prOlrlllon or any olhllr provlslon. Eleollan b)' Lander lei pursua any remedy 'hall nol
pelude pu~UII 01 any olhllr I8rnlldy, and an aleellan 10 mekell_pondlluree or like lellon 10 I*fann an otIHga\lan 01 Grenlor under lhls MorIl;Ja{la
anarIBllurflafGMnlor/(rpsrlorm'hallnotaIlactLsnder"rlglrl/(rdea/6rSad6tBuHllndp8f(llsl1l1sf81llfdll1sund8rJhI.9~.
Allorlleys' Feelj ~pen88s. 11 Lendar Insmules any Bull or acllon 10 enlD1'C8 eRY 01 '''e lerm. 01 Ihll Morlgell8, Llindar .halt be enIlUed 10 fllQOV81
luch sum Il Ihe courl may adjudge rfJuonablll as aUome'{$' flItS, at lrI.lll and on any appoal. 'NtIllthei or no! any courlar:llon Is InvolVed, eD
rB8SonableexpenSllslnOUlTlld by Lend8l' Ihlt In Lande"s opInion are neCtllllFYl1 anynms.larlheprOlecUonOlUBlnIQl'e8l or Ihe enlorcernenl or
lis lights .h811 beeome a pori 01 thg IndablGdnesa Plyable on demand end shllll baar In\Bras\l1om l~., dale or 8llPllndlllJl'8 unlll repaid It !he
Crud" Agf1lernenl ratll, Ellpllnaes COVBf1Id by 'his paragraph Includa, wI'hoUt Pmll8llon, however sub{uCll to any 1Im11s Unciill' apDIlc:abls law,
Lerulel's allomBYS' le8s and Lander's legal IIXpellSBI whelhlf or nol. Ihere II a IBWSull, !nolI/ding lI.llomeyrt Ins lor banllruplcy proeesl:llngs
(tnaludlf\ll ellorts 10 modI..,. Or V81:1~ any aUlomalklslay or lnIuncUon), appe!!1s and any anUDlJililed post-Jt,Idcll1'lllnl ooRllollon wvICQ, lha cosl 01
SWCIlfng r1lCD(dS, obl1llnlns UtIli reporls ~ncllldl"i loreelDlllFll rnpDrlsJ.,IlUMl)'1lrs' reports, '!lnd lIPpfll.laaI !HI, and line Il\$urance, 10 Ihll lIIIIenl
permllled by appncablalaw. Granlcr 1190 will pay any court cas\$, In eddlllon 10 IIn o!har sums provided bV law.
NOTICES TO GRANTOR AND OTHER PARTIES. Unless ollll!lrwlSll proVldlld by appllcab19IaW, any noOce under lhll Mortgage shan be In wriU"1l Bnd
shall beellecllve when aclually delivered or, If lYlaffsd, shiff be deemed effllCU~ when dspaslled In ffle UnIlscI Stales msflllrsl GlrJu, ~drrnlll.
poalage pr/lpeld, dlrecled 10 11111 /Iddr8SSBS ahown near Ihll begInning oIlh1s MO!tg1l91l. Any Partv may otlange lis add,eSlllor_nollces undar this
MCI1gage by glvlng lormel-wrO'en noUce to lhe olhar perl1llS, spedlylnglhallhll purpDS9 ollhe noll08ls 10 ellll. Ihe pany's address. All coplas 01
nollcllS 01 torec!osur/l I,om Ihe hOlder of eny lion which hair> prlorlfy ovsr this Mortgage, and nollcH purswnl4? PIl. C.S~. 8eCIIOfll1f43, al $Gq., sllall
ba senl 10 Lendar's address, as ahown nallrlhe begrnnlng 01 lhls Mor1gaga. For noIlce purposas, Granlorl.grees 10 kaep lend9l'lnlorrned III III l1mas
01 Grlnlor.s cutTenl address.
MISCElLANEOUS PROVISIONS. The 10nOWI"9 m1Jce~n9OU$ provisions ara II perl or Ihlg Morlgtige:
Amendments. Thlg Morlgagll, IOGtllher wlJh an" Aelalad Docull'lenls, consUlules lhe anUre underslllndlng end agrssmenl or the partlll!:1lS to Ihl
mailers sellorlllln this MotIgllge. No allsrallon Dr or al\'l8ndn1llnllo Ihls Mortgage shall be f1Decllva Llnlass gl~fm In wrIl1ng .nd $Igned by lhe
per!yorPllrllllSsoughllobechllrgedorboundbVlhe81Ieranonorllmendrnllnl.
AppllCllble LIW. Thle Mortgagl illS been deflYlIred" to Lender and acc.epfCld fly,Lender Iff the CommortWtfl"Uh or f'emtst1v,mJl. Thl,
MorIgage ahall be govemed by IInd conslrued In Icoordance with Ihal1W8 or the CommalWlelllh 0' Pennuylvanle.
CspllDn HeadIngs. Capill)n helUllngs In- /his MorIQage- IlIre lor convenkmcl!' pUJPOllb anI)' and altl nolto ba ulled to Inlerprat or deBI'Ill lha
provisions 01 IhlS MorIgllge.
Merger. Thare shan be no mergllf ollhe Inlora.t Of aslalll crelled by IJ,ls Morl;sga W1lh eoy olher In'enlal or Ilslele In Ihll Properly pI In~ lima
heldbyorforlhebenenlollondllrlnenycllPecllY,wllhoullhewritlenconB81110rLendar.
Mull1ple Plrtles. All oblllfallons 01 Grantor undllr lhls l.4or1gaQe shalt be lolnl and ,everal, and ell ralereneeslo Granlor shIn rnfIan each Ind
everyGrenlo,.l1rrsmaal'l:Slha/e(lc"ollhaper5D(l$s/gfl/R1JbalGw!srfl~ns1blltor""obl/ga"tm5ll1lhrsMD1lgsp..
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MORTGAGE
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&ever.nUlty. H II courl of compelsnl JUrlsdfcUon J1nd~ eny provision ollllta Morlgaae 10 be mild or ullItfllorGlebte as 10 any person ur
cl/cumalaoce,suchftndlngshllllnolrenG8rlhlllpro\/lslonlnvlllldorunlnlorceabIe all loanv oth8l' persons orcIrGumslanclll. II 'ellSibra, enylluch
offending provisIon shall be deemed 10 be modlllad to bs wllllln 1118 Umlls olenrorceablUly 01 valld11y; however, If lhe Offending provision cannol bB
somodIOBd,llshllllbaslrlckBnandsllolharprovlslOtl&O'IIIIsMorIgagelnallolhllrfespealllShllUrem8lnvalldandenlllt'Gllblt.
SUccessors and AsalgllS. Sub)e4t 10 the Iimliallons Slllllld In Ihls MCl't9Boe on Irllnslet or Gtenlot's Inllf8Sl, IhIa Morl~ge.ha11 be binding UpOtl
-and Inure 10 lha bGnelll 01 Iheparllus.ltlalrhalri.personalrepresenlallves,sUCC8SSOfIand assigns. U,ownlllhlpollhePl'oparfvbecomesvested
In a person oilIer lhan Granlor, Lendel', wIthout nob 10 Grantor, mav deal wllh Grenlon successora wllh mlerence 10 \hIs MortoaQ. and Ilia
Indebledneili bV wav pI-'o~ance or sIClenslon wllhout felaastng Grantor tram Ihe oblloanotlS or this Mortgllga Of IIllblilly undllf lhe
Indebtedness.
TIme Is olllle EsRnCll. lime Is 011118 IlHsoceln ahs pel1orrllllRC8 oJ IhIs Mol1gaga.
Wlllv8fflllnd Con5llnls. Lender shall not be dllomlld 10 havo wal\/8d Bny r1ghls undel' this MorIgagll (01 under Ihe RBlated DoGumenlsl untll5s
such waiver Is In Writing and signed by LeMBr. No delay or omission on the pan 01 LendBr In exarolalnQ an)l fight aIlaD.operals U II waIvar 01
such rlghl or any ollulr t1g11I, A waiver by env party ol a provision 0111111 Mor\gaQB sllill not conlUlule a wall/Ill' of or ptaJudlca Iha parI~ tight
olllefWl~e 10 demand strlGl compR(IRCll Wllh Ihlt ptovlalon or any olhBr provision. No ptIor welver by Lendor, ROt 11ft COIllUD of dIaIlnO IHiIwaM
LellclefllngGranlor,llhaRGonsdluleawalVlltQlllnyoILende(arl9llborllnvolGranlor'6~lI&.1Iona1lllllolll\Yrull/fCllA\nllll1llonl, WtlenellOl
conaenl by Lender Is requlred In Ihla MorIgage, lhegrenllng o'sucllconsenlbvLenliarlnllnvl nstanr:ellhallnoloonalllulecenllnlllngconsenllo
subsequenllnalanceswhQf6sUChCOMllnl\5requlrlld.
EACH GRANTOR ACKNOWlEDGES HAVING READ ALl THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGRaiia TO ITS
TfRMS.
GRAHTOR:
x:ff".'.....z.. "";l' J ~.
lee e. VlIResdlen
,~Bl
AIlUIlSit,I!.Vanaidllen '.
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eo1cll eE.Vanesclllen
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.
Slgned,aeknowledgedand dellvefcdln Ihc presencll 01:
, f\~ 6\.~ !. L_J.....
Wllne8l.l _ 0 It _
, G\_'''to. ~
WllnellB
CERTIFICATE OF RESIDENCE
I hlIreDy c:er1lly, lhallhe precise addresa ollha mor1gages, Fllrmerl TrUll Company, herein Is esloUows:
One West High ?Ifeel, Clll11ale, PA 17013
H~~ "\~.".t....
AIlOO'newOO'AII 1000"'00'1gIgee
~ ~'.' INDIVI.DUAL ACKNOWLEDGMENT
::::F rJ~ ~/j ;,.
Re8ldtngll
My comml8l.llon expires
~AseRI", R'~ II, I'lp;T~ Off., lr..ll.l~~IIUCll"lIilnlcGl'l SOt\I,!;eGl'llIIp, tno. AI'rlghllrnornd.IPA..aO~VAHA$Ls.LItU.Q\/LI
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......11.' of .v.'r.'~,f.,.'("~~'1':1..1'..b.....,~. UlP.t,flIMENJ. OF REVfN:II: . . ':
Cumb. Co., PI. ". _____~-' ~.-,.... '\ '
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ichooJ Di't. Cumbo C;::-;..
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eighty-rive (1985)
MADE THE
of 0"" Lord un#' thousand l~jnt- hllndrt'd
BETWEEN IRA E. MELL and MABEL M. MELL. h1s wife. ot West
Pennsboro Township, Cumberland County, Pennsylvania)
hereinafter called
GNltf.t(jrs,
and LE'E E. VANASDLEN and SARA E. VANASDLEN, his Wife. of
Carlisle, Cumberland County. Pennsylvania, here1nafter
called
Gl'ante/! S :
WITNESSETH, that in l10wridertttirm oj Twenty-Nine Thousand Nine Hundred and
00/100---------------___________ ($29,900. 00 )--------~--------D"lla,."
in hand paid. the 1'f.cr'ipt wheretJf ~ he,.l'/IY acknowledgnl. ~he said g?'4ntors d'J her/'by grant
alld 1'0fU'f:'y to the said gmntee S, their heirs ana atisigns as tenants by the
entireties
ALL that certain trac~ of land situated in Mt. Rock, Township of
We5t Pennsboro, County of Cumberland and State of PennsYlvania,
bounded and described as follows. to w1t:
BEGINNING at a stone; thence by land formerly of Sara Danner,
now or'Oren Kitzmiller, South 31 degrees East 7.1 perches to a
post; thence by land now or formerly of Floyd Bitner, South 85
degrees West 7.5 perches to an apple tree (blown down); thence by
land former.LY of Le-vi Failor, now of Leib Myers. South 76 1/4 degrees
West 20.3 perChes to a post; thence by land formerly of John Seitz.
now of Earl Tritt) North 14 degrees West 8.7 perahes to a post;
thence by land formerly of Levi Failor. now of Earl Tritt, North
82 3/4 degrees East 25.5 perches to the Place of BEGINNING.
conTAINING one (1) acre and 70 perches, and having thereon erected
a two story brick house and outbUildings. LESS) HOWEVER, a piece
of land 16 feet in width along the West side of the above tract;
BOOK)) 31 p/.r.r 436
. ""IBIT
I ~ ~
-
.~ '-
~onta1n1ng 8.6 perohes as the same 1s fully desoribed 1n deed frnm
Caroline MoKeehan to Abram Etter, dated June 13, 1916 and reoorded
.tn Deed Book "LI!, Volume a'l Page 447 ~
BEING the same property whioh Mabel M.Hurley Mell..and Ira E. Mell,
her husband, granted and conveyed to Mabel M~ Mell and Ira E. Mell,
~er husband, Grantors herein, by deed dated Apr11 9th, 1956 and
~eoordcd 1n the Office of the Recorder of Deeds for Cumberland County,
Pennsylvania, in Deed Book "C", Volume 17, Page 1.
800~ 31 PAGE 437
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"
AND the 84id orantorS Il1'reby C()ti'f:'1Iant and agree th4t they
wiU warr<<nt generally the 'Pf'Operty hrreby ootUJ.fl1Ie.d.
IN WITNESS WHEREOF. said grantors Ita. ve herellnto Ret
the dall and -yellt. firx! (LlmVI' 'writtetl.
their hands and /{f'/ll s
..fq;~{~.?4.~.......................... ~
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Statt' III
PENNSYLVANIA
l...
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, 19 8S , befor" UU!,
County III CUJ'lIBERLJ..ND
On thill, the
8'''''
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day 01
the IIndf.Tsignf'd offir.c1', lu'rlwnally aplJea1'ed Ira E. Mell and Mabel M. Mell,
his wife,
k1/o'lVn tf! tile (or saJ.islactorily 7I1'011/:n) '" be f.h~ pl','so16 whose naml'S are 8ubBcribed to f.h...
1qithin in8tntment. and. acknowledged that they I!uc,ded same ItJ". the 1JU1'1Jn8flR thf'1',!in
contained.
..."".....,.....,.
......~:~:...\:.iN..~/T~ESS WHEREOF, I hm..', ~~ hand and .ffi'~.
{i~'t JF :'::j' ....: ,..~~~:~'tt::..::::::::::.::::=::::::::::::~::::::.~
\-:"i;"',;, .....~. / CARliSlE IOllO. CUMBERLANDCaIIN1Y Tille of OfJi,eer.
..... I~~ ....:. ...,'>.""..... IIY COMMISSION EXP'." OCT. J, ItN
......;,::.,;:,..;,,~. .....'
I dtJ hereby certify that the precise residence and complete post office address
01 the withi'H.a.medgra1l.teea i8 f.'O,aS'6X &JI., ~. /f:/70 /1
MA~~:OO:J31IACE ':: .......A.i~~)m......n......
A ttorney lor ............._........._........................_.............
~~ ~
Jill"
. " ~ ,
,..
L" _ "~""''''i;,j''
03/20/00 MON 12:18 FAX 570 628 9231
KEYSTONE COLLECTIONS
. IillOO 6
Wstone. ,..
Financia~'
Certified Aillcle NI'l11ber
SENDeRS RECORD
, P "'11111 2i1e'l31
p.o. sox 1984
POTTSVllJ.e, PA 17901
PHONE: 1olID~9:J04
FAX: 717.eat1-9l!ll1
VIA CERTIFIED MAIL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Me. Lee E. Vanasdlem
P.O. Box 636
Carlisle, l'A 17013-0636
Date: December9,1999
The MORTGAGE held by Keystone FQmncial Bank,. N.A., (hereinafter we, us or ours) on your
property located at 11 Hill Road, Carlisle, PA 17013, IS IN SERIOUS DEFAULT because you have not
made the following monthly JlIlyments: $219.5!) for February 10, 1999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246.65 for May lill. 1999; $246.65 for June 10, 1999; $246.65 for July 10,
1999; $246.65 for August 10, 1999; $246.65 for September 10, l\l\l\l; $246.65 for October 10,1999; and
$246.65 for November 10, 1999.
Late charges (and other charges) hllve also accrued to this date in the amount ono. The total
amount now requinxi to cure this default, or in other words, get caught up in your payments, as of the
date of this letter, is $2,439.44.
You may cure this defi;lulr within THIRTY (30) DAYS oflhe date oflhis leiter, by paying 10 us Ihe
above amount of$2,439.44, plus any additional monthly payments and late charges which may fi;lll due
during rhis period. Such payment mnst be either by cash, cashier's check, certified check or mopey
order, and made at I{ey$tone Financial B!lIIk. N.A., P.O. Box 1384, Pottsville, PA 17901.1384.
If you do not cure the default within THIRTY (30) DAYS, we intendlo exercise our right to
accelerate rhe mortgage payments. This means that whatever is owing on the original amOlJDt borrowed
will be considered due immediately and you may lose the chance to payoff the original mortgage in
monthly installments. Iffilll payment of the amount of default is not made within THIRTY (30) DAYS,
we also intend ro instruct 0111' attorneys to slart a lawsuit to foreelOlle yoll1' mortgaged property. g the
mortgage is foreclosed, yoll1' 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 the default before they begin legal proceedings
against you, you will still have to pay the reasonable attorney's fees, actually incumd, up to $50.00.
However, if legal proceedings are started against yOLl, you will hllve to pay the reasonable attorney's fees
even if they ate 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 defaulr within rhe thirty day period, you will not be
required to pay attorney'sjees.
We may also sue you personally for the unpaid principal balance and all other sums due under the
mortgage.
EXHIBIT
':D
I
i'-l""-'o-,;;,,:;;,':;i;_,
,~~
.1' L.
,
-
03/20/00 MON 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
19J007
NOTICE OF INTENT TO FORECLOSE MORTGAGE
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, you "till have the right to cure the default and prevent the sale at any time up to olle hour before
the SherifJ'sforeclosure sale. You may do so by paying the total amOlDlt of the Ullpaid mtmth/y payments
plWJ any late or other charges then due, as well as the reasonable attorney's fees and costs COII1/ected
with the foreclosure sale and perform MY otber requiremenl3 U1Ider the mortgage. It is estimated that
the earliest date that the Sheriff's sale could be held would be Febnuuy 9, 2000. A notice of the date of
the Sheriffs sale will be seut to you before the sale. Of course, the amount needed to cure the defauh
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, cashiers check,
certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your oWllership of the mortgaged property and your
right to remain in it If you continue to live in the property after the Sheriff's sale, II lawsuit could be
started to evict you.
You have additional rights to help pl'OteCt your interest in the property. YOU H.\ VE THE
RIGHT TO SELL TIlll'ROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTBERLENf)ING lNS'tlTuTION 'EO PAY OFF
THIS DEBT. YOU MAY BA VE THE RIGHT TO SELL OR TRANSFER THE PROPERTY
Su:BJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME
THE MORTGAGE DEBT, PROVIDED 'OIAT ALL THE OUTSTANDING PAYMENTS,
CHARGES, AND A'l'1'ORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE
AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ~ SATISFIED.
CONTACT US TO DETERMlNE UNDER WHAT CIRCUMSTANCES THIS RIGB'll' MIGHT
EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIRD PARTY
ACTING ON YOUR BEHALF.
i/you cure the default. the mortgage will be restored to the same position as ifllo 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.
/frJ). ~. mK
Mark A. Munster
Regional Supervisor
MAMldnn
,- ~. ~~~'1
,- -lilljt:
03/20/00 MON 12:20 FAX 570 628 9231
K9'5tone ~
FinanCia'W.
P.o. !lOX 1384
POTTSVILLE. PA 17901
KEYSTONE COLLECTIONS Ii!I 011
SEIIOERS R,CO,qO
1'I10NE: HIOINIlIS-II304
FAX: 717-4l28~1
VIA CERTIFIED MAIL
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Ms. Sara E. VanasdJem
P.O. Box 636
Carlisle, PA 17013-0636
DlIte: December 9, 1999
The MORTGAGE held by l{.eystone Financial, Bank. N.A., (hereinafter we, \19 or Olllrs) on your
property 10Cllted at 11 Hill Road, Carlisle, PA 17013,18 JN8ERIOUS DEFAULT beca\lge you have not
made the following montbly payments: $219.59 for FebruBry 10, .1999; $246.65 for March 10, 1999;
$246.65 for April 10, 1999; $246.65 for May 10, 1999; $246.65 forlune 10, 1999; $:l46.65 forJuly 10,
1999; $246.65 for August 10, 1999; $246.65 for September 10, 1999; $246.65 for October 10, 1999; and
$246.65 for November 10,1999.
Late charges (and other charges) have also accrued to this date in the amount of $0. 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 $2,439-44.
YOII may cure this default within THIRTY (30) DA y.y of the date of this letter. by paying to WI the
above amount of$2.439-44. pillS any additional monthly payments and late charges which may fall due
during this period. Such payment must be either by cash, cashier's check, certified check or money
order, and made at Keystone Financial8l\11k, N.A., P.O. Sox 1384, PO\1SviUe, PA 17901-1384.
If you do not cure the default within THIRTY (30) DA VS, we inlend to exercise our right 10
accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed
will be considered due immediately and you may lose the chance to payoff the original mortgage in
monthly installmlillts. Iffull payment of the amount of default is not made within THIRTY (30) DAYS,
we allfo intend to imJtrllct our OltOrtleYIf to start a lawsuit to foreclose yoUI' mortgaged property. If the
mortgage is foreclosed, YOUl' mortgaged property will be sold by the Sheriff to pay oil the 1tIortgage debt.
'fwe refer your case to ourattOmeys, but you cure the default before they begin legal proceedings
against you, you will still have to pay the reasonable attorney's fees, actually iocUITed, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00. Any attorney's fees will be added to whatever you owe to \19, which may
also include our reasonable costs. lj'yoll cure the default within the thirty day period, you will not be
required to pay attOl'lley's fees.
We may also sue you personally for the unpaid principal balllJlce and all other sums due under the
mortgage.
EXHIBIT
I, ~
I .
[,_:,:-\;: ,~:;-, >L;f~' _I " ",'~ -:., -' --;, ,
ff,_o
"
- ~, <,
03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
raJ012
-"
, .
NOTlCE OF INTENT TO FORECWSE MORTGAGE
If you have not cured the default within the thirty day period and foreclosure proceedings have
begun, you slillllav6 the right to C1D'e the default and prevent the sate at ltl!J' time up to ane hO/lT hefore
the SherifJ'sfotecl~e sate. You may do so by paying the total4mDll1lt of the IDlpaid monthly pa)l1tUmts
plus any late or other charges then due, as well as the reasanable attorney's fees and costs connected
with the foreclosure sale and peiform ltl!J' other requirements under the mortgage. It is Il$timated that
the earliest date tbat the Sheriff's sale could be held would be Febrwuy 9, 2000. A notice of the date of
the Sheritl's sale will be seot to you before the sale. Of course, the amount needed to cure the defilult
will increase the looger 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, cll5hier's check,
certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownerShip of the mortgaged property and your
right to remain in it If you continue to live in the property after the Sheriff's sale, a lawsuit could be
started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEy' TO PAY OFF THE MORTGAGE
DEBT, OR TO DORROW MONEY ~OM. ANOTHER LENDING INSTITUTION TO FAY OFF
TIDS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPEltTY
SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME
rm: MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS,
CJilARGES, AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE
AND THAT THE OTHERIU:QUIREMENTS UNDER THE MORTGAGf!: ARE SATJSll1EO.
CONTACT US TO DETERMINE UNDER WHAT ClRC~TANC:ES THlS RIGHT MIGHI'
[XIST. YOU HAVE TUE RIGHT TO HAVE TInS DEFAULT CURED BY A THlRJ) PARTY
ACTING ON YOUR DEBAO'.
If you cure lhe defwlt, the morrgage wi" he r<<$tored to the same posi/ian os if 110 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.
~~.~
Mark A. Munster
Regional SupervisQl'
MAMldnn
03/20/00 MON 12:19 FAX 570 628 9231
KEYSTONE COLLECTIONS
1i!I008
1(9'stone ~
finanCiaV'
1 -,-
"-0. SOl( 1384
P01TSVlL.lE. PA 17B01
PHONE: 1-BQ0.895..s3D4
FAX: 71N~28--9231
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLV ANIA'S HOMEOWNER'S EMERG:r.NCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
If you need more information call the Pennsylvania Housing Finance Agency at
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERlECHO A CONTINUAR VIV1ENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
l>E ESTA NOTIFICACION OBTENGA UNA TRADUCClON IMMEDIATAMENTE
LLAMANDA ESTA AGENCJA (pENNSYLVANIA :a;OUSlNG FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA l>E LA
PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA.
ACT 91 NOTICE
IMPORTANT, NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELlGmLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE
FUTURE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
TO: . Mr. LeeE. VanasdJem
P.O. Box 636
Carlisle, PA 17013-0636
December 9. 1999
FROM: Keystone Financial Bank, N.A.
P.O. Box 1384
Pottsville, PA 17901-1384
EXHIBIT
I r
.1'-_
,I> '" "_\,
03/20/00 MON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
~009
, '
You llIay be eligible for fiDucial assistance that will preveJlt Coreelosure on your mo~e
if yon comply with tbe provi.sions of tbe Homeowner'. Emergency Mortgage Assistau~ Act of 1983
(the" Act"). V ou may be eligible for emergency temporary assistance if your default Iu!s been
cau.sed by cireamstanca beYOBd your eontroJ, you bave a reMOubJe prospect 01 mruming your
mortgage payments, and if you meet other eligibility requirements establisbed by the Pennsylvania
Housing Finance Agency. Please read aU of tbis notice. It contain. an explanatioD of your rigbts.
Under the Act, you are entitled to a temporal)' stay of foreclosure on your mortgage for thirty
(30) days from the date of this Notice. During that time you must aJTange and attend a "face-to-face"
meeting with II representative of this lender, or with a designated consumer credit counseling agency.
The purpose of this meeting is to attempt to work out" repayment plan, or to otherwise settle your
delinquency. This meeting must occur in the next thirty (30) days.
If you attend a face-to.ClIce meeting with this lender, or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure IDay take place for thirty
(30) days after the date of this meeting.
The nllllle, address, and telephone number of our representatives are:
Mark A. Munster
Regional Supervisor
One South Centre Street
Pottsville, PAl 790 I
(800) 895-9304, Ext. 9373
The names and addresses of designated collSumer credit counseling agencies are:
Consumer Credit Counseling
Service of Lehigh Valley, Inc.
3671 Crescent Court East
Whitehall, PA 18052
(610) 821-401101'(800) 220-2733
from area codes (71 7), (570), or (814)
Commission on Economic
Opportunity ofLuzeme County
211-2 \3 South Main Street
Wilkes-B8lTIl, PA 18701
(570) 826-0510 or (800) 822-0359
or (570) 455-4994 from Haz1eton
Housing Asso, & Development
411 Walnut Street
P.O. Box 1505
Allentown, PA 18105
(610) 432-6336
Economic Opportunity Council
of Reading and Berks County
229 Fourth Street
Reading, PA 18601
(610) 376-6571 or (610) 376-6570
It is only necessary to schedule one fuce-to-face meeting. You should advise this lender
immediately of your intentions.
Your mortgage is in default because you have failed to p"y promptly installments of principal
and interest,.lIIl required, for a period of at least sixty (60) days. The totll1 amount of the delinquency is
$2,439.44. That sum includes the following monthly payments of: $219.59 for FebruaIy 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10, 1999; $246.65 for
June 10. 1999; $246.65 for July 10, 1999; $246.65 for A.ugust 10. 1999; $246.65 for September 10,1999;
$246.65 for October 10, 1999; and $246.65 for November 10, 1999, plus late cbarges in the amoWltof
$0.
,
"-',L
",- '-'''!.
03/20/00 MON 12:20 FAX 570 628 9231
KEYSTONE COLLECTIONS
1aI010
.,
, '
If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you
have the rigbt to apply for tlnancial assistance from the Homeowners' Emergency Mortgage Assistance
Fund. In order to do this, you must fill out, sign and tlle a completed Homeowners' Emergency
Assistance Application with one of the designated consumer credit counseling agencies listed allove. An
application for assistance may only be obtained from a consumer credit counseling agency. The
consumer credit counseling agency will assist YOIl in filling out your application and will submit your
completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or
postmarked, within thirty (30) days of your face-to-face meeting.
It is extremely ;",portmlt that you file your IlppJicatioll promptly. If you do lUll do so, or if you
do notfollow the other rime periods st:t forth ill this lRt1er,foreclosure may proceed against your ho_
lIIImediiJtely. .
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 accurate and complete in every respect. The
Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your
application. Ouring that additional time, no foreclosure proceedings will be pursued against you if yon
have met the time requirements set forth above. You will be notified directly by the Agency of its
decision on your application.
TIle 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
number). Persons with impaired hearing can call (717) 780-186\1.
In addition you may receive another notice from this lender under Act 6 of 1974. That notice is
..uled a "Notice of Intention to Foreclose" . You must read both notices, since they both exp~in rights
that you now have under Pennsylvania Jaw. However, if you choose to exercise your rights described in
this notice, you cannot be foreclosed upon while you are receiving that assistance.
Sincerely, /]/1/\ 1\/
/fV::J. fL.' 'V J.I(I
Mark A. Munster
Regional Supervisor
MAM/dnn
03/20/00 YON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
~013
K~tone ~
Financia'W,
, .
P.O. BOX 1384
POTISVILLE. PA 17901
PHONE: 1-.eoo-OOS-9304
FAX: 717-628-9231
ACT 91 NOTICE
TAKE ACTION TO SA VB YOUR
HOME FROM FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S :EMERGENCY
MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE
FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS.
If you need more information call the Pennsylvania Housing Finance Agency at
(800) 342-2397.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECfA SU
DERECHO A CONTINUAR VIVmNDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE
LLAMANDA ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN
CARGOS AL NUMERO MENCIONADO ARRIiBA. PUEDES SE ELEGmLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO ~BOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECBO A REDlMIR SU HIPOTECA.
ACT 91 NOTICE
IMJ>ORTANT: NOTICE OF BOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGmLE FOR FINANCIAL ASSISTANCE warCH CAN SAW
YOURBOME FROM FORECLOSURE AND HELP YOU MAKE
FlJTVRE MORTGAGE PAYMENTS
RE: Mortgage #20199140003
December 9, 1999
TO: Ms. Sara E. Vanasdlem
P.O. Box 636
Carlisle, P A 17013-0636
FROM: Keystone Financial Bank. NA-
P.O. Box 1384
Pottsville, PA 17901-1384
EXHIBIT
6
f
~--
" ~
03/20/00 MON 12:21 FAX 570 628 9231
KEYSTONE COLLECTIONS
11II014
. '
, I , ...
You m~ be oligible ,'or linancial aaaistauce that win preveut 10reclllSufe on your mortgage
ilyou eomply with the provis.ious or tho Homoowucr's Emergcucy Mortgllge AlisislaDce Act of 1983
(the II Ad"). You may be eligible for emergency temporary l\SlislaDee iryour default Iuu been
CJlUlled by circumstances beyoud your eoutrol, you have a I"\!lISODable pro.peet 01 resuming your
Ibortgage payaneuts, and ilyou meet other e1igibillly requirements QtabUshecl by the PcnDsylvaoia
HOWling Finance Ageucy. Please read all or this uotiee. It eontains an explanation or your rigllts.
Under the Act, you ate entitled to a temporaay stay offoreclosure on your mortgage ror thirty
(30) days from the date of this Notice. During that time you must arrange and attend a "face-to.face"
meeting with II representative of this lender, or with II designated consumer credit counseling agency.
The purpose of this meeting is to IIttempt to work out a repayment plan, or to otherwise settle your
delinquency. This meeting must occur in the next thirty (30) days.
If you attend a face-tc>-face meeting with this lender, or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty
(30) days after the date of this meeting.
TIle name, address, and telephone number of our representatives are:
Mart A. Munster.
Regional Supervisor
One South Centre Street
,"ottsville, PA 1790 I
(800) 895-9304, Ext. 9373
The names and addresses of designated consumer credit counseling agencies are:
Consumer credit Counseling
Service of Lehigh Valley, Inc.
3671 Crescent Court East
Whiteball, PA 18052
(610) 821-4011 or (800) 220-2733
from area codes (717), (570), or (814)
Commission on Economic
Opportunity ofLuzeme County
211-213 South Main Street
Wilkes-Barre, PA 18701
(570) 826-05IQ or (800) 822-0359
or (570) 455-4994 from Hazleton
Housing Asso. & Development
411 Walnut Street
P.O. Box 1505
Allentown, PA 18105
(610) 432-6336
Economic Opportunity Council
of Reading and Berks County
229 Fourth Street
Reading, PA 18601
(6IQ) 376-6571 or (610)376-6570
It is only oecessaay to schedule one face-to-face meeting. You should advise this lender
immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly installments of principal
and interest,.&5 required, for a period of at least sixty (60) dllys. The total amount of the delinquency is
$2,439.44. That sum includes the following monthly payments of: $219.59 for February 10, 1999;
$246.65 for March 10, 1999; $246.65 for April 10, 1999; $246.65 for May 10,1999; $246.65 for
June 10, 1999; $246.65 for July 10,1999; $246.65 for August 10,1999; $246.65 for September 10, 1999;
$246.65 for October 10. 1999; and $246.65 for November 10, 1999. plus late chl\1"ges in the amount of
$0.
,
",
- -~ -, ,. -> -- -" - '" ~, - ~.,
03/20/00 MON 12:22 FAX 570 628 9231
KEYSTONE COLLECTIONS
1i!J015
. " r
l , , .-
If you have tried and are unable to resolve this problem at or aft.clr your fi1ce-to-face meeting, you
have the right to apply for fmanciaJ lISsistance from the Homeowners' Emergency Mortgage Assistance
FWld. In order to do this, yOu mUst fill out, sip and file a completed Homeowners' Emergency
Assistance Application with one of the designated oonsumer credit counseling agenoies listed above. An
application for Illlsistance 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 Pennsylvania Housing Finance Agency. Your application must be filed or
postmarked, within thirty (30) days of your face-la-face meeting.
It is extremely import(l1Jt thatyoufie your IIpplic/IJion promptly. If you do not do so, or if you
do notfollow the other time periods setforth ill this ktter,foreclosure mtq proceed against your /tome
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 accurate and complete in every respect. The
Pennsylvania Housing Fillance Agency has sixty (60) days to make a decision after it receives your
application. During that additiollal time, no foreclosure proceedings will be pursued against you if you
have met the time requirements set forth above. You will be notified din:ctIy by the Agency of its
decision on your application.
The Pennsylvania Housing Finance Agency is located at 210 I North Front Street, Post Office
Box 8029, Harrisburg, Pennsylvani\l 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaired bearing 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 riglrts
that you nOw have under Pennsylvania law. However. if you choose to exercise your righl$ described in
this notice, you cannot be foreclosed upon wbile you are receiving that assistance.
Sincerely,
/fW-/J..
Mark A. Munster
Regional Supervisor
MAMldnn