HomeMy WebLinkAbout00-02674
, ~-, ~<_'"'" ;-'-'"_~bc'''''';;''' 00"_" -"'"',, _;,
t"_, -t
Spear & Hoffman, P.A.
BY: RICHARD M. NELSON, ESQUIRE
Attorney LD. No. 72869
1020 North Kings Highway, Suite 210
Cherry Hill, New Jersey 08034
(856) 755-1560, Attorney for Plaintiff, Loan No. : 2006346759
BA MORTGAGE LLC
475 CROSSPOINT PARKWAY
GETZVILLE, NY 14068
PLAINTIFF,
vs.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 00 -d1..71 Cu~( /~
JANET E. BENTZ
703 CEDAR RIDGE LANE
MECHANICSBURG, PA 17055
DEFENDANTS
COMPLAINT - CIVIL ACTION
COMPLAINT IN MORTGAGE FORECLOSURE
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 this complaint and notice are served, by entering a written
appearance personally or by attorney and filing in writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may proceed without you
and a judgment may be entered against you by the court without further notice for any money claimed in
the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property
or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17103
(717) 249-3166
.~.
~ _ ~"J
-.. '" -~ ,:" ,,~- '"-"--~I
A VISa
Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las
paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion.
Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma
escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona. Sea avisado que si usted
no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previa aviso 0
notificacion, Ademas, la corte puede decidir a favor del demandato y requiere que usted cumpla con todas
las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches
importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA
A VERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIAL LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17103
(717) 249-3166
~,' w '.__<_
",. ~,~",' ,"",,,. ." -"- -
Spear & Hoffman, P.A.
BY: RICHARD M. NELSON, ESQUIRE
Attorney I.D. No. 72869
1020 North Kings Highway, Suite 210
Cherry HilI, New Jersey 08034
(856) 755-1560, Attorney for Plaintiff, Loan No. : 2006346759
BA MORTGAGE LLC
475 CROSSPOINT PARKWAY
GETZVILLE, NY 14068
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.
vs.
JANET E. BENTZ
703 CEDAR RIDGE LANE
MECHANICSBURG, PA 17055
DEFENDANTS
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is BA MORTGAGE LLC, with its principal place of business located at 475
CROSSPOINT PARKWAY, GETZVILLE, NY 14068.
2. The names and last known addresses of the Defendants are: JANET E. BENTZ, 703
CEDAR RIDGE LANE, MECHANICSBURG, PA 17055.
3. The interest of each individual Defendant is as mortgagor, real owner of the real property
subject to the mortgage described below, or both.
4. On or about DECEMBER 22, 1998, Mortgagors made, executed and delivered a Mortgage
upon the premises hereinafter described to CORINTHIAN MORTGAGE CORPORATION, which
Mortgage is recorded as follows:
Office of the Recorder of Deeds in and for CUMBERLAND COUNTY
DATE OF MORTGAGE: DECEMBER 22, 1998
DATE RECORDED: JANUARY 13, 1999
BOOK: 1512 PAGE: 1107
The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g).
A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by
reference.
1
_.~~
"0
; . ,. ..w ~ -_~"' -t~<
5. On or about DECEMBER 22, 1998, in consideration of their indebtedness to
CORINTHIAN MORTGAGE CORPORATION, JANET E. BENTZ made, executed and delivered to
CORINTHIAN MORTGAGE CORPORATION their promissory Note in the original principal amount of
$108,661.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference.
The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage.
6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original
Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage
by virtue of the following assignments:
ASSIGNOR: CORINTHIAN MORTGAGE CORPORATION
ASSIGNEE: BA MORTGAGE, LLC
DATE OF ASSIGNMENT: AS RECORDED
RECORDING DATE: AS RECORDED
BOOK: AS RECORDED PAGE: AS RECORDED
7. The Mortgage is secured by property located at 703 CEDAR RIDGE LANE,
MECHANICSBURG, PA 17055, which is more particularly described in the legal description attached
hereto as Exhibit "C" and incorporated herein by reference.
8. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, due NOVEMBER 1, 1999 and monthly
thereafter are due and have not been paid, whereby the whole balance of principal and all interest due
thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if
any), and costs of collection including title search fees and reasonable attorney's fees.
2
"'
lb'!, . .",' __,0
-,,,--,,"
, .'" -.-,' ..~
'-< '",~ -,< --'
~' i
9. The following amounts are due on the Mortgage:
Principal Balance
$107,714.50
7.00% interest from OCTOBER I, 1999 to
APRIL 15, 2000 at $20.94 per day
$4,146.12
$37.41
Accrued Late Charges
Attorney's Fees
$5.385.72
TOTAL AMOUNT DUE
$117.283.75
Interest continues to accrue at the per diem rate of $20.94 for every day after APRIL 15, 2000 that
the debt remains unpaid.
10. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore,
Notice of Intention to Foreclose Mortgage, pursuant to Act 6,41 P.S, ~403 is not applicable,
11. The subject mortgage is secured by the Federal Housing Administration under Title 11 of
the National Housing Act (12 U.S.C. ~~1707-1715Z-18), and as such, notice pursuantto Act 91, 35 P.S,
~1680.403(c) is not applicable.
12. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "D".
3
""'1
~ - -, , "
~; " "a
,'-'0"-'"'"-'
~.~. ~, "-:,.' ~-;-" -. '
,,,I
-';-1
WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of
Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9,
together with interest, attorney's fees, and other expenses, costs and charges collectible under the Mortgage
and for the foreclosure and sale of the mortgaged premises.
SPEAR & HOFFMAN, P,A.
DATE: L.t/?-O(~
L
..,.':-v
4
Im;'
"
v ", ~ '.'
. -~-j
VERIFICATION
The undersigned, RICHARD M, NELSON, ESQUIRE, being duly sworn according to
law, deposes and says that he is the attorney for Plaintiff and that he is authorized to make this
Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint in
Mortgage Foreclosure are true and correct to the best of his knowledge, information and
belief.
THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE
MADE SUBJECT TO THE PENALTIES OF 18 PA.C,S. SECTION 4904 RELATING TO
UNSWORN FALSIFICATION TO AUTHORITIES.
DATE: 1j1-vt1(~~
~
RICHARD M, NELSON
Attorney for Plaintiff
b
~-~ "~_"-" L,
"
...
...
n".'1
1'")76 ~
: : :i: ."
l.,.' ,.:. :.1,""
;;;:I,.;,;~.,~,:.t.:J ('CH)U ~'"f','.
'99 .inN 13 PrI 3 O~
.PareeJ Number:
.AFTERl'!ECORDING RETURN TO:
Firat Ecluily TIlle COIjl.
fOO5 Frederick Roalf
__ 8aI1lmore. MD 21228
"Szmu ^IJD,.~ Tl'1b Un~ Fin' lIu.rdJn, >>aln1
i'o'lIA C:Ut Nu.
C~n\mon"'t8lth of renns,ot".nilil
MORTGAGE
Hl-SBJ600~
LCQn IO: 2269889
THIS MORTOAOE ("S~turifY Inltrument.) ill giVC;B on
The Mortl"llor i.
3anet ~. ae~t%. A $epa~~ted Woman
~ecember 22nd, 1998
(.Uorrower"). This Secur-icy Inslruml21l is given tD
Corin~h~ar. Hor~~ag_ corporAtion
whlcl1l:s ofgaJlizcd IlId ox15t1ng under ~hl; lawa of the stlt,te of M:"3Zfi.-liippi , and
whoscaddre&$is 5700 Broadrnoor, .SlJite 500, M.i.ssion, KS 1562.02
(-Landor'). Borrower oWes Lander ttlc prilloipat sum of
One Kun~r.d Eiqht ~houBand Six Hundr.d sixty Ona~-~-----
Doll",. (U,5, $ 108.66:,00 ).
n,;. dobt is evi4eneetf"'by BOtrower's nOIe d.tocl the ..... dale as this SecUrity InslN...nt (""'010"), whic\\
p1'Dvide.c for monthly p'a;monls:'wltlt tht full debc. ifnol paid aarller, due and p.,.ablc on '"Je,nuary 1st,
2029 , 11Ii. S=ril)' )n.h'._ts_ns 10 1.enlIcr; C.) the repaymeDt Dflh. debl evidenced by the
l'Iote, Wlth interest, and .U teSll!lWaJl, "Eilll.tan:sloDJ flI'd J'Il9d.n~tIDJIs of me Nate: (1)) the paymct\L 01 aU g,b&t .urn"
with lnl....t. .dvlUlecd uMor,pmgnpb'110 prolecllbe .security of Ihls Security Inslrument; ODd CO, lhe perronn.nc<:
nil\. P.MIJIIT.nhl M,rlp.& - j/~
~nIPAII.5D41.01
11M" MQRT6Io.GII roRMS'IOQD)I21.12~tJ,.....c.
I"t!l,1..11 ''''drAl:~
.8o~~1512 'AGf1!O?
/'
of Borrower's .ccv-::nants aru1 Bgrcc:ml!lnts u'flder tbi, Secu.rily JnllrumC:l'lt and thB Note:. Fat this purpos.e, Borrower
do.. he...by monsage. sran, and ""Oy.y '0 !lie ~" ,ho followina de.e,ibed proporlY located in
. p.lmb.:r:land County, PemlofYl\'flltia:
SQC i\ttaehed Exh;.bit "All For Leqal Dt$cJ;1.pt1.on
. All," TWP,
whi.ch ha$ the llid4tcW' of 103 Cedar R.1.dge Lane, Mechanic$.bu.rg AJf<)A Upper I lSll'Il'!:I, Cib"J,
Ponn.yl.ania 17055 171pC<>4,j ("Property Md'ess"):
TOGJ5.THER. WITH ..II tbe improvements llOW or hQmaUar ttCCled on 1I1e propblt)', .!1m.! aU tll'l'br:1enrs,
appun~nlnCl!rI .ami flx.tum nDW Of hercarter .. pllrl of tb,= prol'cny. All replil1;em~tS and 3ddUions ,hall also be
tovered. by Ihts Security InsEnu:nenc. AU orthQ !gngoillSi is ~ to in this Set;:utity Inslnl1'nont as the "Prop~rlY. n
BORROWllR COVENANTSlha' 110'.......... I. JllVlully ..i:0c4 o.flbe..lale he"'by eonveyed and b..lbe rllJllllo
nlOrlpSe, gnn'Oftd con...y the Praperty andtbatlbe Prop.rtyi. un_bercd, ..ceptlot ....mbr..... or .....,rd.
Darro"" WI"...t. and will delend S......l1y <he tide to 'b. prOperty ....in'l all claim. and demand" .ubjoCllo ony
cncumbrnncBt of rt4WrU.
THIS SIlCURITY INSTllUMI!NT c-ombi... unllol1'll ",...anl. lor .ali...l use and non.unilnrnl COy",'an"
witb limited nrialions by .iUr:ll~ietian [D constitute a uniform sBcurity Instroment covering rellll property.
Bt.,rowcr ."d L8ndet tD\I~ftan( and. 38J'CC as follow,:
UNIFORM COVEN^NTS.
i
1. Payment of l'rlndp.., Interest and LAte CbSl'gll. Borrower shall pay wilen due Ihe l,rincipal of. and
inlareJt Oft. the debl evidenced by the Nelt.. :and late charge:! dLLe under the Note.
Z. MOlllhly p.y.....t of Tho", rnWllI"" and OilIer Ch.rs", Borrow.,. sll.1l inclod<: in "'lC1I lIlOllthly
paymenr, together with Ihc principal and inr.rcsl .. m fotth in Ihe NOlClIlCI any 1010 chat8es. . Ill" for la) I.".. aMI
.",cilll llS3O$SSIltnlS leyied or to b. levied agol.., lho py"perty. (1)) I....bold p.ylll8lll' or around rIlllS on lbo
Prorcrty, and (0) p...mlu.... ror in.uran"" Ieqlllred under pIllalr.ph 4. .. lII\Y year in whielllhe Lender mu.t plly a
mDrtg~e insv.flnc:r:: prenUtuD CIO tbe StCtetary of Housirlc aM Utban. DevelaplJU'IIl' ("S~relary.), or in an)' Yl:Dr in
which such. premium would. ha'U been:rcquJred .if Under still bglcJ: tho: SCcurity '"stNmcnll eftcl\ monlhly pilymcnl
,hall aloo i"o'ud, .Jlber: (I) a sum lor rII. "",gal OIOnpge In.u...... premium to be p,id by Lender IQ the Soc",tary,
or (ii) . moDlhly dt8l'ge izll~ad of a mongag" insu...... premium If rhi. S"",i.y In.slnl...", J. held"" dIe SecrelaJ)'.
in u' ftaStJnablc: lmOuar. 10 be chllfenmned. 'by. th~ Slcretary _ lb;oepe for Ihe monthly Chitg! by the S~rclary. Lhl!$c
item. are ""lied -"llsolOW Items" and lb. ,um. paid '0 J.endc:r are caUed "Ils.to'" Fund.."
Lendot rnay. at any ,i1\'lD.. coll='. Uld hold 1n10UDlS rOt Bscmw hems: in an aggrepte, amnunt nClt to exevcO the
malilhum arnCll.lnt Ehat may be required'rar Borrower's CB~W IQCOUn1. under tho Real &S\a~e. Sc:~Uemcnl Proccdllres
Act or 1974, 12 U.S.C. S.oti.. 2601 .' "9. OIId Implemonting "'Sulalion,. 24 CFR Parl 3500, a. Ihoy nlay b.
am.Mod from limo to time ('RllSPA "), ,seep' ,"", the oushlon or r"",",o pcrmilled by RI!SPA for unDllticipalotl
dbbursemonl' or disbur,cmellu hefore ,he Borrower's- paymMIS' arc DYaih.blr: in the at.ooUJIl may Jlot be based an
amadn" due. J'Dr rbc morlgJl36 inJu'fUKe pre.nliuln.
.
G.-4RCP,liJr.lIGlA,Gl
,..,..2..,.
1rfIf/.tI,:(2. ~ re'5
I
,!ood512fAd108
i!!~>'"
If tb. amounll held by Lendor for EsOIllW Items .....011 Iho amOun" pormiuad 10 b. hold by RESPA, ~"d.,
,hall a,....nllo Borrower for ,"'e ....." fund. as n;quired by RBSPA. lflho amounlS of fund, hold by L.on4ar al any
lime are nel ,luffiClicln '0 p.Y ~o Escrow'Jtems when dUIlI, Ll:ndr;r may notifY the Borrower .,nd require Borrower ID
JlJ;lkc up lb. .horlllllC" ~rmi,,!ed by RESPA. .
T1\o'E...-..w ,PuDd.~are pl!dJed a~, oddlUo.al ,,,u'IIY for all 'u... .acured by Ibi< Security Ihslrl,m.,,1. If
6orrcwor londo.. io I.ondor lbol\lll payin.n1 of.11 suoh ..m., Borrower's aceou.. ,ball ba crediled wilh Iho bolan."
remainintfDr lit ins:~allnumr jreml (all (b), and'(c)'wnd an, marlla,p InsuranOl: premium inslanm.OfI~ 'hac t..andol has
nor becalM DbJl,aled to pay to,lhlll SecI'CIIlI'Y, and Lendu shill promptly ratund any I!I){,ee$$ funds 10 DorrDwct.
ImmediD.tety prior to Q foroclosuro lah:: of rhe Prcpcl1Y Dr it. acquisllior\ by Lender, Dorl'o'WOIl'IS accounC shall 00
e,odilcd wilh ony ..Ionce remaini.~ tor alllnslallmonlS lot ilcm' (0), (b), ahd (0),
3. Appllculloa, o.rPD)'iUtl.is: AU payments lIodc:rp;ragraphs 1 atld 2 slusJl be lI,pplied. by lender as: fQUow.s:
fitJ.!, tD the rnO",Bcige inllu...ancc: premium to be paid by Lender la lh~ $cmlary or to d~ rnonCl11y charge by (he
SccrelDJ)' instead af t~e J1\Onthly mortgage insurance pramium:
~I to any t3e~. special iSSeSSl1\entli. loasehold paynten's or grollnd rQn~:s, and: fire, nood and uther hnznrd
insuranCe premiums, as requited.;
Third. 10 inteRsl duc:.undrdhl Note;
fourth, to amal'tizallon af the principal of the Nole; and
fiClh. ~D lMe; ch.r.a, dui lInder the Nate.
4. Fin. Ftaod an4 Orher HDzard l~surDn~l!. BorrDwer shall insure all i mprovClmcnts 011 fhe Propeny, Whether
now iD existence or tlJ.bscqucntly tI'Cc\Cd, aaahtst any hazards, C8$uahh:s, and canUnaenciesl inc:lvcling Ore.. for which
Lemlor reqll.lrcs Jnsur.mce. This InsutanCe' ,hall be maintained in the Dmftunt. ond for (be 'perinds Ih~l Lltlldel
requires. BorIOWot sMJl also insure all impJ'f)ven~ents en Ihe frape-Ily.. whether now in existence l:lr sQbseqllcndy
4rc::erccl. aglinlt JoS); by flODd.s to the "tent required by the Sectorat)'. An insur;m:::e 1110111 be carrh:d Wilh companies;
approved by Lender. 'The: insurance poficies and .ny ~newall shall be hard by J..c.ndcr and shall i'IChulc. lass payable
c',us.. in favor of, nod in 0 formoeceplahle (0, Lender,
In the: event of loss, Esorrower slull give. Lender immediate notice I>y mail. Lender may Inake proof of JDSlI U not
mi1de pro",plly by Borro\Wr. Ead1 Jnsurance QQmplny concerned is hereby authorized and directed (0 make payment
for such Iou. dhwIly. 10 Lalder. instead of ta Borrower Md 10 Lender jahttly. All or .any part of 1he in.!l'm~n"
prl)cecdl mill' be applilld by uJ\der, at hs optianl eilher (a) lD thr reduction of Ihe jndt:pl~rn:.s' under [he Note and
Ihis Sec1.lf'ity 'n8ErumcRE, first 10 iilny delinquent amounls IIIPPHcd in tJlC CIrcler In parag.mph 3, and then &D prepayment
of principal, or (II) 10 rhe te5lDrarlon ., ..pair of rhe "amagc4 Property. Any opplie.Uon of fh. p..-ds fO .be
prihcipRl ,b1lU hot ..tOl1ll or pOSlpone lbe duc date of lbe monthly payments whlch./O referred '0 in pmJ:"'ph 2. or
changl;: ,he ..n1011n1 of such paymeftls. Any e.!r:~$$ in!\1f'lmcc proceeds oVer an tf'l"lQ\1n1 required 10 pay all ol.lt5llu~l.Iing
ihd.b'od.... under lb. NoIe and this So<:urllY In'lruma.. JhoU be p.ld to lhe entily l.saUy enlilled Ih...,o,
In II~e e".nt of foreclosure: of Ihil Sec.urily Jnstrument or olher transfer of lhle to tho Ptopt:TIY thot clIiHnguishes
lhe jndcbtedncp. nll right. dtle: and infcn:s of Borrower in and to insurance policies ill forca shall pass to Ihc
putch...r.
5. Occupancy, Preser-vauon, Malntenahce and l"rotectlon ar the Property; Borrower's Loah Applic:aUan;
LollS.bolds, Borrower sJiiiu occupy, "lablish, ...d u" lb. Propelly aa Borrower', principal residence wilhin sixty
day. .her tbo .xecuU.n or 'hio S....rily I...."m.nl (or within slalY dol" of. later .a1e or tr.".fer of th. Prop.rtyl
und sbDll continue EO aa:upy the Property as BortQwcr'. prindp.' residence for I[ least one year a ncr the dale: of
oceuplUlc)'. unlcss Letlder determines. that reqlt:ircment will CAUse 1i!ldue hill'dsbip fear Borrower. or unless ellenu:ati1'l1
cin:umslances edst which a" beyond Borrower's control. BotrClwer shall nalifY Lender of any ~'r;;nl!:ating
citcUl11SUIDce,. Borrower $hall not commj: wilStc Or dt$IFOy. dnmag1! or substanlialLy chance (he Properly or allow the
Property to de:lcriO>(JIc. rea$ona:blc \Vear and 1ear excepted. Lender may inspect (h~ 'Propeny if ll\e Propcrry is Vileal'll
OJ'' abandoned or the lOBI] is in default. Lender may take reasonable nelial\ to f1,otCC( arz~ prtsc:rvc sLlcb vQcanl or
_4RfPAI ...fl;e....Ol
'llCl_:aolB
Inlll,"'~
800.1512 PAct1109
--
~ -',~~o
__ ~ I
abnhdoncd. Property. Borrower $lHIIl1\lsa be In default if BCln'Dwcr, ddring. lhe loan ftl~pliC:Rlion prcl;:f,as. g.i\V~
rnnlcriall)' rJlltlc pr inac:<:ufall:j: i1'lFcrmaUon or stallmeJ1ts Co ~dcr (or failed 10 provide Lcndtr with tu"l)' hJ.,ttri,\!
information) in connClolJon. witb the Joan evidenced .by die NQ1D, iAc.Judi.nS, but not limited 10, represenrallons
<<>ncominll Dorl'O~r', """'pall<)' of ,h. 1''''1>.1\Y as a prindp.J resjd,,""e. If ,hi, Securily Inlll'tlntenC i. on "
"lISehold. Bo",,"'er all." eornply with che provWons of Ill<: le..e; If Borrow..- ..qu;r., fo. Iitl. to Ihe Property, Ih.
Jcascflofd and reo cut.. ,hall no, be mcrged u:nlm lDnd~r asrer::!l to tho mercer in wrifing.
6.. COI1(\emnDiion~ The praceccl.. of any award or cl.im fOt dnmag,a. direct or consequential, in ClO1\l\ecHon with
any t.Dndcnm:uian (If otber llldng' t1r Iny .pert .of the. Property, Or rt)r co~"eynne:e in pll\~ Dr .condemnaclon, art
hc~by l,slghed .nd shall be pnld to Le1tder 10 the extent or the fun amount Df the imh:htedness tb(llr remldfl$, unpnicJ
unda the Note and dtis S~rity In*tn1mcnL Lcnd.et Iball apply :!I\1tb pl"OCt.eds to .he: reduction of tbe: lndobCcdnes.:
urnler rbG Note- ."d Ibis. S~urity JnJlrument, firsl lCl !mY delinqucn~ amounts applied. in lite order provided in
par"lltllpb J, and 'hen III prop.ym.n, of pri".lp.1. Any .ppll...;.. of die p_, to th. prinoipal .hall no, ..rend or
pO"l"'ne .h. d... dale of ,h. montlrly PllfnlellU, wlli<ll .no t.ferred.'o ,in pllragraph 2, or ohanse ,h. .mounl of meh
poym.nlS. Any .._ pruceedr over an .mounl rtqUin:d 10 pay all """lIInaing inde~le</n..' uoder Ih. Nole and ,his
S.corilY In.(tumen,.hall b. paid to U,...lily l"llAlly "lilted t"."'..
7. Cbqrc.. to Borrowel" and l'rDleclfCln or Lender's niClll. In tt,t! I'raptrty. BDfTOWer ,ball pay nU
,Qovcf"men~a1 ar tIlunil;lp:tl charga. tines an4 (mpositions thllt arc:: l'lollnd\1ded in p.aragrnph 2, Banower .s1l1\11 pay
lhese oblisalionJ on time dlrl!Q.l.ly to the entiay which b: DWc4 ,he payment. If faihlro '(I pay would adversoly arr~\
Lender', in,.r"" in ,he Ptl\~.rly, Qpen \.chd.,', roqu..t B.rroWer ,b.1l prumplly furnish 10 1.00"lor roc.ipl'
~.,.~del1a'ng' lhde paymc:nls.
If BorJ'Owcr f.ils (0 make. lhen paYf1"ents or the. Tou,yrnents required by pnrasr~b Z. or rilib to perform ;m)' other
tlIvcn,nlS llnd "Snt&'~s emua1Aed in rbi5 StWriJy Jh5trumMt, or there i8 a le~aJ prouDdma tllbt may .$i,nln"snlly
R'~llender'. dghu in .hi:' Prop#lf)' (.such .as a procccdin. in- b.e.1lkrnpJcy, 'or ~dcrnn.lion or &go enforce la,,"$' ar
regulation,). ,hen Lender m.)' de "n-d PlY whatever b necas..vy to l'tDtec:t the val&l'e "f lhe l'ropeny and z..cnderis
rielrlS in l/te Prap<:rly,lncluding paYm<n. of I..... ,hez.1r-d ....ur_. and \lIher lrem' menlioned In p''''.'''ph ~.
Any .rn"""rs di$b""sed by Lender .nd,... Ill!. parqraph &b,1l """me an addition.1 d.bl or Borrow.r and b.
scclJred by (his Security JnslrumcnC:. Thete atr!c)UnfS sbaU bur in(ete:s:t from Ute: dlUe or disbursement. at tIle Nott'
talc. Jlld at tho optiOJ'l Df Lende:t. shalf be imrtltldialc.y due anti payable.
Dtlfrvwer shan. plVmplly disgh,rgc Iny liDn which has pr(orit)l OYer this Security Ih51rumcnl llnleSI Dorto\Ycr;
(a) .g'", in, ",rllinjT. Ih. :paymenl or the oblig..ion .oe.rCl! by lb. Ii.. in a man""r leoopI,ble In Lon~.r: (0)
cDntests in Jnod rahh Ihe lien by. or defends agail'lltcl\forcernm\ (If 1111: non in. Jegnl pror:ccdings wbicll in Illl!
Lender's oplnian' cptltlllO 10 prevent the enfDftemenr or Ihe IiGn; ar (c:.) leCURS from \I~e hulder or IhE: lien PlI
A~reemenl satisfaclDI')' ta Lender slIbordinating lbr: Jien '0 tbk Seo\lrily Jnslrument. J( Lt.ndgt dctcrmbuu 11181 tin)' PJlI1
of Ille Propeny is .subject to a n," which ITUtY altain prioriry OVer rhis Security InSlnllnenl" lender may g!v~
Borrower 8 notJc:e Identifying the lien. Bol'1\1WU'shall satisfY fhe Her! or ulke one (lr more <If fhe netiol1! SC( (orlh
aho\<e within 10 daY' 'of lh. giving of .edee,
8. fi"ru. Lender m.y cotteet fees and chllrgC$ IUlhoriz.ed. by 1;be SccrGlU')'.
9. Groundl tor Aellleleration or Dcbl.
CD) JJ.r.~II. Lend", m.y. ""eop' ~ limit.. by reg.lalion, i...ued by ,he S"TCl.ry. in 'M .... or pRymenl
dorlulta. ..quire immediate p.ymonl in IiIIl .r all 'U\11S ,...reeI by this S....ricy In'INm"llf:
(I) BorrDwer defllu1b by r.i1ing to pay In ruu any monthl)' payrm:nc. required by lhill Security Instl'1Jmenl
prior fo Clr on the: due dftt~ or the next InOl'l.lhly pD)'InCot. Dr
cli~ Ilorrower d.fwl.. by f.ilinB. for a "",Iod nf Ihirty day,. to ".rr.,", any olhor obliSaJinnl cont,;n..
ill Ihis ~curi'y Jnstron1Clll.
(l>) S.I. Wllbo"l Credll Appro.ol. Lender ",.11, if perm;""" by ."pli..b1. Inw (ineludinG Sae';on J4lCd)
or lhe a......sl. a......in O.posic.ry Instilulion. ACl of 1982. /2 U.S.C. 170Ij-3(dll and with rho prior
IIf'PRliva.I of fhQ Secrccpry. rQquiR iml11ediD(lt pi'lymcflC in rulr of aU sulns St;L-Uretl by Uds Sl:~urify tnSfnlmcnt
if:
CCl.-4F14P'" ."IDUO'
1"llllllll (7(.,,:.-?
F-~
"'All'iI"""
80011512 fAGt1110
.~=l "
.........
,.
......
..
,~ ,
--=
.
-,., ~:i[~".:
(i) All or part or the ProperlY, ot a benClnGiallbleres~ in n. ~Nst ownJ.ns hll Dr piln of Ibe PrOI)l!tly. is sold
Ot otborwilc ITJm:srcncd (olher ~hlln by davilio or dQ:ccnt)1 ilDd
(ii) Thc= Praf.elIY. i$ not occupiod by the 'purchaser ar gJ'8ntCG as his Dr her principal residence, or Ih~
putc:hascr or Ir~tee does SQ occupY the Property but Ids Dr' har c:rc:di. has lIol bccl\ approved in
accor4~ whh Ihe requiRlmcnls of the ScctCtuy.
(e) No Waiver. ,If ci~llal'lcas occ.ut'Eh,ln would permil Lender to nquirc irrunodilcc paymcl'Il in fl,lll. bu[
l.cJu1er does 110~ require: such paytnenlS, Lender dots nOE wllive. j[I ril;hll 'NJlh retipeel co lu'b.sl!quenl CJYentl,
Cd) Regulolio"s .r llUD SllCrelllt)'_ In b1ll11l' <it<lllllilB11C", lesul.Lions i..ue<l by lbe Secrelary will Iimi,
Lender', ristu,. in Ibl: case of paymoru dC(ilQlts, to J1:quJre hnm~iltc paymeot in fUll and forcclo,le if nOl
pald. This Security.lnstrument' does not aUlhcrize KeEler'lion or forec:lnsul'O if hol permitted by tegul~tiDns
of, tho S......1')'., '
(e) Mortgage Not IIl1und. BorrQwtr .grees mat if lhis Security Instrument anll U,. NOlI: are nDt determined
tD' be eligible ~~r II15U~III:::C under Ihe National Ho..ating Act withiQ 60 d01ya from the date hereof, Lender
may. at ilS option, requin immBdfate paymDftt in full af all sums ser.urW by thl, S~rity ]nsfhlMent. A
wrllten t1:t.rcment of.:my ilUlhori.d ...m of the Socn;evy c1aleclaublequcnt to CiO d"}'s from cl1e darb hereof,
4ClCtining to inl\ite mi. 'Sc:curity Inllnlft'lcPt and the Note. ,han bt deemc:cl concJu.si\'e proaf of such
ineliJibl1h)'. No~w'dtsCAndlng the foregoing, Ihis optioQ may not be c",cR;isl4 by L.ender when Ihe
unn-ail.-bility or Jns-utatccc is solely, due to Lunder's failure tD ren1lt 8 mortaaal!: inSl1rAhee pr&mium to the
Secretary. ,
10. BclMUn.DIIlailt. Borrower hils. righl to be reinstated If Lender h8.~ rtQufred i~1'nl:di.ll: paynu~nt in full
because of Borrower's faihu'c,lo P"Y an amouru due under the NGtg Of tbjs 8"urity Instrument. This ri&ht ilJ)plies
even aner. rorec!osure proceedings arc.: 'in!lllfu,led. To reinstate the SeQlrhy rnttrulnlll\t. Borrower dIal! lendor in 1I
Illmp lIurn iIll amount; required to btin" Bonower's acco'nt currant in&ludil'lB, 10 Ih. CXlen~ Ihe)' are obUgalions or
Oott'CIwcr under this SeCUrilY fnstrumenl. fqrecrosurc costs and re.,QnabJo and C\lSfOrtUlry altotncys' fees nnd cilipl:nsl:s
prDperly Auociotted WiUl Ihe:. foreclosure proceeding. Upon reLOSlRECmftht by Borrower. this Scgurhy Instrumenl any
lhe obLi&atieD$ that il sceurcs,sriatl 'remain in effect as ;r Lender bad.. noC required immediate pDymenc In fuU.
H\lwe,yor, Lendf:r i!i qat rc:qu~[!ld to peonit. remtatemetn if: (i) Lendet has accepted reinsl1l1vmeJ\t af1er the
comml!lnCcmont of (orecfasutD praccedih&S \1/i~hin EWO years immed,hl,lQly prcc:eding the commencemt'nl or a eurrl.!'nl
foreclosure proeecding. (iI) rein~I"lcmenE will preclude fomlO!lUte on differenl atol,lnds ill the fulu~. Of (iii)
rc:lnslarement will .,.dyo..,ol)' affecl tht priority of the lien !:orcated by this S(:Qur(cy InIU"U:mtJlu.
U. lSolTD""r I'fot Relcuodl Filrhearallce By I..~der NDt.o Waiver. Extension of lh.c time of payrncnt or
modification of amonit.ation of the sums Sea1fed by dLis Securil)' In$lrumcnl Bramed by Lender to any Sur;:cc1l30r in
inlerest of Donowcr sball not operale to f~lc:ase the liabithy af the orilinal Dorrower or BOfrower'S SUCCWcr ill
interest. Lender shall nOl.be required 10 cotnmen;e. pllXCCdlnBI aaatn$l Iny luccessar in inrerest or n:fulIlQ 10 ciltend
Itm~ tor paymern of olherwiae m~,ify 11mbnizalion or the lUms secured by this SeC\JrilY rnsullnumt by rc.nson of an)'
demand m.de,by rile original Bormwer or nortOWOr'. suc:cessot< I. inle",,,. Any forbeolren<. by IAn... in ...rcising
a.ny tiJlhl orrcmcdy .ball not be. waiv" ofor])reel~e IboClcrciae Gran)' riGht ar pmedy.
12,. S\lCelllSGl'S lIIod As$igns DOland; JGint and Se,erol LIability; Co-Signers. The covenants and BIrt:cmcnlS
or lhl, SecUri'y In.ltUrnem sball bl.4lllld be.../lt Ibe .........." and assign, or lAnder and BOlrower, subjetllO lb.
rr6vtsloRS of pmgmpn 9(b). Borrcwer',c OOvetlal1tJ and asteentems shRJI bcJoi.nt and ~vcnd. Any Dottower whc-
"".sign. lhi. S""urllY Inslrument but aoC$ nol "",..Ule the Nole, Cal I. ..,..Ignlng tlli. Sccllrily Inlllu.....l only I.
mortgasCl. If8IIt lAnd convll)' l'bal. 8orrower',lnterelr in the Property under the terms of tbis Secbrity Inslnllnanti (b)
is nDE pe.r.saDlI1lJy abli&&tc:d co pay the sun,s secured by this SOCurhy 1nslnlmen1: and (0) agree, tbAt Lendet and tin)'
other' BorrGwer tnay aa~ eo c~. mcdifyt fotb1raT or mau '11)' accGtlMtOdl'ldoRS wirh CC$lJrd 'a .hr; (crms of Ihis
ScouriE)' In$ITUml;Rt or Ibe NOle wil.hol,lt thallSorrower's consent.
~~I'''I_..,
()
"",,,.,tJ.2..lS
r.~.llIJ.
,~
~;. :~..
,Bood512,_ot1111'
" ~~
j',!':'Li>;
>
r "
I]. NoIkcs. Any lIO'ie:<: I. ll.rro..... provided t.r In 'his Security I...",menl shall bo given by do/i..rinA it or
by moilinA il by lirst .1... man u~lo.. appli<ablo law requires us. of anothor m.lbod, Tho "otloo .hall be .i..cre' 10
the Property Add"," or aJ'Y alber address Borrower tfe.silpma by "odce to L&!Inder, Any notice to LcndDT 51'11111 be
given I)y firsl cl.., mllillo J.,ond.... a,~'_ sralod here'. .r any ad.,... l...d.r d..isna'.. by ..llee 10 Borrower,
Any noUce: pnwided for in thl~ Socurlly)n$trument ahall be robJmed Co hQvc "'Mlft given to Borrower or, Lcndt;T when
.liven IS provirJec1lp thia pmlrapb.
14. G..omlng Low; Sonlllblllly. This See.rlly Ins'rument shall b. gov.rned by Fedo",llaw ROd rh. low of
the )lJfiJtJktiDn jp -,vhieh the PrOpc:rEY is IQCAted'. In .b. event Ch.E 8"Y prav1siell. or clause or lhis SeCurity hu:tnltnl!!n1
or lhe N.l. conQieu with applicable laW, sueb conlllot .h.1I nol.fI.el other provl,ioo, .r thl' Securi'y InSlrum.nl or
the Not.~ whkh ,an be ,ivgn tfiecI: without fM cOrJ1ietll\t prDvision. To this end ,be ptQvisiom of !l1js SecurilY
lnt!rument.aml the Note lit:: deClared 10 be sevorabrO.
IS. POITllWllr'. CoPy. B.rIO"" ,ball bo Jiven 'OO conf.nrr<<l copy of !he Not. llnd of Ihi. S""",iry
lnSlNlllt.t. ' .
lfi.. Ha:mrdG1lS Substances. Borrower sh~[ not caUR or ~it .he pre:senca. un. disposal. storlie. or r~lease
or any Huardous SubstiIDCcs on 'Of in JbO JI~peny. .aDItUwcr !ih~l1 ftD1. dD, nor allow anyone e:l,~ LD do. anything
arrcclinA lit. Prapllrl)" thai i"lri,'Vlolalian'ot MY llnvl"'lI/lWIlal Law, Tile PrececllOA Iwo ..nl...... ,hall not .pply 10
'he prr:s;enee~ use, or star.ge' on 1tie Property of li:maU quantities of ~uatdDUS, S,,'bUQhCQS thnt lIfC' gr;nc=tall)'
rccognihcllo bi: appropriae' to normal rdidetltial uses and to maimenanc:e or rbe Property.
SCrrcWer sball pfl$mJltly give Lender wrinen notice; of any in\l'esligiltion. claim. demand, I.wiut( or otber action
by any govc:",rnCln~.l or refllllalary agcnay or prlvall!l party b1volvinl ~hc I'ropel1.)' and any Hazardous Su'bsIRncc: Qr
E"vif"OJ)mental Law of WD.jdJ .IIorrO'ollef has aClUsl knD\1l1edae# If Borrower Ie-110m., or 1:1 notlned by U'lY govcmmcnlltJ
or regvlatal}' aumCtrll.Y, that any removal or Dther,.remed.i.ation Df any HIUlr60us Subllances: affecting Ihe PEqJerlY is
""""smy, DarrOw"". shall prompily lak. .11.......'1 romedi.lmions in .l:Oolt!anc'-wUI1Env;rOft"","I.1 Low.
As uStd. in thb paral1"Dp~ 16. "Hu.a.rdQlus' Substances. arc Ib_ il1bstllftce!: defimcd as to:dc or haztlil'doUs
5ubslanlil.t.S by Enviroamcnhll Law and th~ CoflowlllJ JUb5tlltLCleS~ luoUne. kerosene:. g(hQr {Ta."'Mable or IOxic
pe1roleum prodUCElI. Eo~iCl90$Ucldes and herbicidt::" volDtlle JOlvent51 mftterl..b c:ontalnins: UlJ;bet.tos OJ rormald~hyd&r
and radiDacd YC m~als. . As us= in lhili parilgraph 16, "!nviTonnttntal Law. mcons fec'lenl l.wl! and l.aws: of the
ju,isdiotion where Ih. Property is lotftled '111.1 Jalato 10 h..llh. ..f.,y or envilOnmonlal pr.ICeI;"n,
NON-UNIFORM COVENANTS, Borrower .nd Lender 11111bcr eovenant and 'Sr.. .. r.How",
17 # .As.d~nnumt ar Rents,: Botr6wer uncondlcionatly JstisiCJ" and transfers 10 ~nder a11 the tents and rc:venue..~
of lhe Propcny. Borrutl'et aUlhoriZd Lcndtt or Lender', zgenl. Co c~J\eollhe I'(Ints and revcnl~cs and np;n;t.y direcl8
~h l<:nZU'lc li'f Ihe Ptopcerty to PIlY the tenls lo Lender lOr Lendet', aaenls. HOWC:V~1 priQr Eo Lender's notiee I(]
Borrower of Dorc~r'l broach of any cg"ClJlI!nl Of agreement jn E~ SeoUTlry rnsfrume:nr, a~rl"(JWcr ...hRII coHee' iJn(l
r_;v. .all raftt. llft' ....nues of the Pl'Openy a.'N!loe f.r lho ....ft, of \.end.. and nonower. This 08.I8"",""t of
rCr1ts cortidcutcs 8I\ .b.oltJte, aslignmlPJU 1M nof .IA lIfiignmcru (or a4ditlonat socurhy only#
Ir Len'or gl~.. nodec of br.lICh to Borrower: (ol on renl. ....ived by Bortower sh.1l b. h.ld by llorlOwo, 's
truslee far 'bcnafil vr Lbnder only, 1.0 be .applied to lb. WInI .sc:cr.l"d by the Se:curlEy Inscrumcnt: (b) Lender shan b"
onlhled 10 colloel and receive .1.1 .(,Ii..",n!, of tho Proporty: .,,~ (c) ..... I..ant of the Prop.rty shall pay al! ..n'.
due and unpaid 10 Lender.r Lend.r', ageiu on l.CD~er'. wrilten dun..d t.lh.'.....t. ,
Borrow.r hu not ~tod lIIIY prior essiJIUIl.nt of lb. ....ts an' has not and will not p.rrorm an~ nel,h.1 would
pr.v..llender flOl1\ "".rcisi.g ill rights under this parog'.ph 17,
Le~dat .ball nor bl!' n:qoJred 10 enleJ' upDn. pb cenf10l of or maiDlam Ihe Property befDre. lOr oreer Si...ifl8 nolice
orbreaeh 10 Borrower. However, Lender or ajudi~ially appointed tC:ceivcr may do so ftlPny ,il't'lie there hi a brc~h,
A.y appJicari.n or rent. shall not cu"' or waive any default ., invalida'" any <>lb.' rig'" '" ",.nedy 0{ Len<ler, Tbi.
assisomllnr arrents of the Pl'operty shalt Ecnninnte when the dr:bE secured by the Security InstrurnelU is paid. In ru~l.
,
G;4RCPlllllOO4I,Ol
..
"'v,'oJa
Inlli'IlI:~
.Bood5:t.2 PAGt1i12
---
f8. Forcelflsore Proeedurt'. It Lender }'flint res IMmedlaLe paYIll~nt in (uU undor paraglllfJb', Leuder mn)'
foroclos. Ibi. Socutlly l.sI....m.nl hy judicial proc.edlng. Lend.r sll." b. .ntilled (0 eolleot an ""pe....
Incurred iJ1 pUl'$d.lng me fanledles. pttJvldcd (I' UIls I"'r.llRrapl118, inr:luding" but not JitnU~ h~, aUDtI1e)'s' retS
IBInd costs at litle evJdCh.ct.
If lbo Lender's blterf$lln this Seeurity Instrument Is h~\cll1)' 1he StCl"lltary .ncl lha SCll:l'etnry requit"Olil
immnJale paynlent In (dU utlder Paragr.ph " the Santary may Invoke rhl! nOnJudicial power of sall.!
pro.lded h. fir. SIne'" F\I,nlll' Mort."U. Fo..d_.. AOl or 1"4 ("A.I") Ul V.S.C. 3751 t1 seq.) by ....,u..I;,'.
a toreclDStlfe commlt.JaBer desiCnareel und... tha Act to .r;ommellt:e rortt'Dllwe alld '0 leU lbe J)ropertJ' as
l'rGvldad In Ih. Acl.N.lhlng lu lhe ","""ding s<nten... <hall depri.. lhe S""nl/ory or m'y I'l."!. Glh.nfl..
D.vaUl\b,le to . Lender under this hragr;iph HI or f&ppliCBble la\f.
19. Relen.~. Upon pftYlnenl of aU SUMS setluroo by this SocurilY Ift5lntJ'Rcm. ibis SC::Qutily Insu\lmt:nl ilnd lhe
C$.ll!ltc conveyed shall terminate: and bel;Qma: 'Void. }.f[er such o~urrencc. Lender shall dillchRrse and !Huisty (his
S~rtt.)"lnstrunwnt wltbout charge to, 8orrower, Bartower shall J)ay any recordadan (:Q~IS.
2ft W.lven. BOSl'OWitr. '0 tbc ell.enl penmnt!!4 by IpplJ~b'e Jaw, w"jvf$ :m:d r"Leases. an)' errDr 01 (I~fects In
pl"QC6c!dinge lD etIfolCC ehis ScC!urir)' InsrlVn'leftt. and ber4'by Mitres Ihc benefi' of any pteleJll or ful\Jre laws provjtli~g
for stay of flJliecl.lUOQ, extension of time. ~~amrtt;"Jl (rom .arracbmcDt. leY)" and 1810, UIKI hCmesteJd eXemplion.
2:1. fleinslll('UI)c.,t Period. Borrower's {(met ID teJnstl1e ,provided in piln,grilpb 10 sb.nU e1(eru:1 10 unr,; hour
ptior to the COIIU1\cnee.mcnl of bidding ilt " shc;riff', $ale Of otber $.I.1e. PUT!i.ua1lt 10 this 5ccuI'iiy Jnstruh1Cnl.
%2. l'urtb.nse Money M'or(goe:e, ]( <<flY ot (he: debt secured by fllb ~ritr InslN.lfncnt is I.:nf to l'3orri:rwar CO
21cquire title: lCI (hI; Property, this Secutity (n$(rumcnt sb.aU he 11 pU(C!\ISC nlonG)' I1lor'gtlgc.
23. - rntcrest: RAte: After Judgment. BQrrower agrees that Ilw: inlerCG'l rale pityabla liner R judSmt::l'1f js Cf'Ut:rcd
on the, Nolt or in 11.1:1. action ofmongfl,ge: foreclosure shall he Ih~ raCe payabJl: rranllirne (0 rime undE:lr (he: Note,
2.4. Riders 10 this Sec:'urity IlW'rum.tltf. I' eM or mon: riders are eJ:tcUled by BOTrQWer Itnd tetotded lo.gefbcT
willi this Security Inslrml1ml, the ~OYCnbftt5 of Cllch sll~h tldtr shall be lnc:orporalt.-d inlo and shaH ambnll l1m.l
s\lpplctnenl IIle, CQ~htlftls ~ IIgt~m~nt.S ar chis: Sccudfy Jnstnunent as if the riCl'cr(.s) were- II piln Qr ihl, S"~lrilY
("Emenl' [Check applicabl. bo.(e.)).
. Condolllinium Rider 0 GrowinQ Bq\liLy Ridet 0 Othor {speciryl
Planned Unh Dovelopment Ridl:T 0 (JrallLlall;:d paymunr Jlldcr
~-4RIPAll'1l0"Ul
I'_h"
,,~~~
8ood512 PAGt1113
-
I
"
-
A,
BY SIGNING llELOW, Borrower """1'1. IIId...""'" 10 Ibclenns conlained in this S"""rj'y Inmumen' .od in
nn)' ridtr(.) eXCClu,ad by Borrower and recorded ",.ill. it.
Wiln~I:B:
?~~~L_ h.1r:-
Ccriil1ealc of Residence
I, Kimbarly Jo Ho"ell
,h. wi'bin-nomad L.cndot is POBox
Witness illY hand Ihis 22T1d
COJl-tMONWllALTH OF I'ENNSYLVANIA,
Onlhj$,
person.lly app".red
j'~net f;. Sent;2.
22nd
day of
(5..1)
.lJotfoYflrr
(Seal)
.acmwe.r
(Seal)
.8Cll1'Dwer
J#e~~~'
(Seall
~9arTUWc.'
(S..I)
.Dl'\rfDWer
(S..I)
.DO.YCIWlIf
(ScoI)
.D",mw.tt
(Seat)
-D\lffllWllf
. do hl;:reby torti[y tbllL me conccl Qddress of
291S4 Shawn.. Mission, ~S 66201
day of
Oeocmber
1Il*t1a1 Seal
J..... N. ~""'. NOIO"I::.f my
~~~~29,~
Member. t'8l1I'\SYfi- AIS(lC:laJil),l) 01 NnlIU~C
D_eemb.r 1998
!f1-""s<'d2-::/.lr-dbv.fiJ.A. .
c I ABellloff.,mdl:r
Cumber land COl.lnly ss:
1998
, berQI"Q me, Iher undcn;;Sr1cd o!ticer.
" ~!.,,:W"~~j~
.v1;":;"'~';l "..""..
......:,..":'\I~~.I,..;/'I......I.;'.
'{",,,..:.. ....., ..,,I'..~
"J,:; ... ......~l 'w.~...
known [0 me (0: sati"rac JltP]'OV~n) lu g~.;~Y!..\:.
person. whosl!l name 1.5 subscribed tl) the within it'l~Lruh'lflnr and ac::kt\owle.dCl;;d tb~f .fl~~' ~tl': .' ';Xi~: f.
e.x.ecurcd the same- far th. purposes ht.tein. contained. 'll~';i..~:1t-)'.r-: ~""" Wl:'~~l..
IN WJ1'NESS WHl!klloF, I bCf"""IO .., my hand atld officIal ,eal.i, "."it;:' ~~:'i"~,I~,;,! ~2'f
{. :-)1\:".... fi--P.t.;.4'
My CommiSJlon Expires: ..' . ~.~:.: ~..~irt:" ~.J..
" -:. .... ~~':
"'1:~'ftflio~.~'~" ..
_4.RCPA.W,,"I.<l1
IiJ,f-<!..t.'7
Tiffl!otOffict-r
".a...",,"
Bod512 fAtlr1114
,
~~
,..."''''-:',0.......
.'
.~
\
,
..
NOTE
FilA l\5eNo,
Multi.tate
441-58;36001
December 22nd, 199B
fDlllel
I,oan ID: 2269889
703 Cedar Ridge Lane
Mechanicsburg AIKIA Upper Allen 'l'wp, PA 17055"
IProperly Adtlre~$1
1. PARTIES
"Borrower" means each person Sigl,illg at Ihe end of this Note, and the person's successors and assigns. "Lender" means
Corinthian Mortgage Corporation
and its successors and assigns.
2. BORROWER'S PROMISE TO l'AYj INTEREST
In return for a loan received from Lender, Borrower promises to pay the principal sum of
One Hundred Eight Thousand Six Hundred Sixty One--------
DoJlars (U.S. $ lOB, 661.00 ), pltls iilceresl, 10 the ordero( Lender. IlIlerest will be cJmrgcd Oil ullpaid principal.
from lhe dale of disbursemellt of (he luan IJrocecds by Lender, at Ihe rate of Seven
percent ( 7.000 %) pcr year untillhc full amount of principal has been paid.
3. PROMISE TO PAY SECURED
Borrower's promise (0 pay is secured by a mortgage, deed of trust or similar security instrument that is dated Ihe same dale
as lhis Note and called:lhe "Security Instrumcnt. ~ The Security In~tnllnent protects the Lender from lo~se5 which might rcsult if
Borrower defaults under lhis Note.
4, MANNER OF l'A YMENT
(A) Tim"
Borrower shall make a payment of Inillcipal alld interest to Lender on lhe firsl day of leach -month beginning on
February 1st 1999. Any principal and interest remaining on Ihe first day of January
2029 , will be due on that date, which i~ callcc.l the "Maturity Date."
(n) I'lnce
Payment shnll be made lit 5'} 00 13roildmoor, Sui te 500. Misslon, KS 66202
or at such placc as Lendcr may designate in writing
by notice (0 Borrower.
(C) Amount
Each monthly payment of principal anti interc.c:t will be in the amount of U.S. $ 722.93 . This amount
will be part of a larger monthly payment reqliircd by the Security Instrument, that shall be applied to principal, interest and
other items in the ordcr described in Ihe Security Instrument.
(I)) Allongc to this Notc ror Ilnymcnllldju!>lmcllts
If an allonge providing for payment adjustments is executed by Borrower together with this Nole, the covenants of
the allonge shall be incorporated into and shall amend and 5upplement the covenants of Ihis Note as if the alhmge were a parI of
Lids Note. [Check applicable box)
DOraduaLcd Payment Allonge DGrowing Equity Allonge DOther [specify)
5. UORROWER'S lUGJlT TO 1'llIWA Y
Borrower has the right to pay the debt evidenced by this Note, in whole or in l18rt, without charge or Ilclmhy, 011 the first
day of any month. Lendcr shall al."tcpt prepayment un olher days provided that Borrower pays interest ol1thc 81l1()Unlllrcpaid fur
lhe rcmainder of lhe month to lbe c"Jcnt requircd by Lender and JJcrmillcd by fCguhllion5 of Ihe Secretary. If Burrower makes n
parlinl prepayment, thcre will be 110 changes in the due dale or in the amount of the monthly payment unless Lcnder agrees in
writing to those changes.
~ FilA MulUstate Fbed Rale Note. 10/95
~.1RI9BOll,01
CIl VMP MOnT~GE FDnMS -1800152;1-7291 0, ~ At
rlge101:l fnkf'lI:r~
l.......
,-
~.
-
.....,.......
"l\L!.i
. .
6. nORROWER'S FAILURE TO I'A Y
(A) Late Charge For Overduc Paymcnts
If Lender has not received lhe full lllollthly jlayment rcquircd by lhe Security Instnllnenl, as descrilJctl in Parng.raph
4(C) of this Note, by the end of fifteen calclluar days after the payment is due, Lender may collect a late charge ill lhe amOllllt
of Four perccnl ( 4.000 %) of Ihe overdue amount of each payment.
(II) HeFault
If Borrower-defaults by failing to pay in full any monthly payment, then Lemler may, ekcepl as Iimitcd by regulations
of the Secrelary in the case of payment defaults, require' immediate payment in full of the principal balance relllainin~ due ami
all accrued interest. Lender may choose 1101 10 exercise this option without waiving ils rights in the evelll of any subsc(luent
default. In many circumslances rcgulatiOlis j,~sued by the Sccretary will limit Lcnder's rights to require immcdiatc payment in
full in lhe case of payment defaults. This Note docs not authorize acceleration when not pennitted by Hun regulations. Afi used
in Ihill Notc, "Secretary" 1I1eanstltc Sccr~UlfY nf Ilousing and Urban Develulllllcnt or his or her deltignec.
(C) J'aymcllt of Co.o;ts and Expcnsc.o;
If Lender has required immcdiate paymcllt in full, as dcscribcd above, Lender may requirc Borrower In Iltl}' costs and
e;w;penltcs including rcasol1tlble and eu:;lollUlry alloTlley:;' fces for cnforcing Ihis Notc to the c;w;lent not prohibilcd by npplicablc
law. Such fees and costs shall benr interest frnmlhc datc of disbursement at the same rate as the principal of this Note.
7. WAIVERS
Borrowcr and any other pcrson who hns ohli~ntionl<i under lhis Note waivc the righls of presentmcnt and nolice of
dishonor. "Prcltentmetlt" means the right to rc(!uire Lender to demand pnyment of amounts due. "Notice of dilthonor" mcnns Ihe
right 10 require Lender 10 give notice to othcr pcrsons Ihat amounts due have nol been pnid.
8. GIVING 01' NOTICES
Unless applicable law requires n differentlllcthod, nny noticc that must be given to Borrower under Ihis Note will he given
by delivering it or by mailing it by first class IImil to Borrower at the property address above or at a differcnt nddress if
Borrower has given Lender 8 notice of Borrower's different ,address.
Any notice that must be given to Lender lInder Ihis Note will be given by firsl class mail to Lender 8tthe address statcd in
Paragraph 4(B) or a1 a different address if Borrower is given n notice of that different address.
9, OnUGATIONS OF PERSONS UNIJER TIJIS NOTE
If more than one person signlt lhilt Note, each pel'lton is fully and personaHy obligated to keep all of the promises made in
this Notc, including-the Ilrmuise to pay Ihe full amount ()wed. Any pcrson who ilt a guarantor, stlrety .or endor~~er of this Note is
also obligatel.l to do these things. Auy pcrson who takcs over these obligations. including lhe obligalions of a guarantor, surety
or cndorser of tit is Note, is also obligated to keep all of Ihe promises made in thilt Note. Lender may enforce ils rights under Ihis
Note against' each persoll individually ur aAainsl all signatorics tugclhcr. ^ny UIIC persulI signing thilt Note lIlay he rC1luil'ed lo
pay all or the amounts owcd untlcr Ihis Nole.
BY SIGNING BELOW, Borrower accepts and agrees 10 the terms and covenants contained in this Note.
~uvt.. ;:~, ~ 'fT
~n~, ~/
/0 / -n1JfsS:
(Seal) (Seal)
.Borrower -Borrower
(Seal) (Seal)
.lJurruwer -lJllrruwer
(Seal) , (Seal)
-Borrower .Borrower
(Seal) (Seal)
-norrower .1J1lff\IWer
Pnllu2al2
G.1RI96011.01
~
~
,-"
tiiIiiWl
'~illlil!lfW
EllJIXBIT A
ALL THAT CERTAIN PIECE OR PARCEL OF LAND SI!l'UA'l'E IN UPPER ALLEN 'l'OWNSHIP,
CUMIlERI.l\ND COUNTY, PENNSn.VANXA, MORE PAR.'l'I=Y BOUNDED AND DESCRIBED AS
FOLLOWS, '1'0 WI'l':
BEGINNING A'l' THE POIN'!' OF INTERSEC'l'ION OF THE NORTHEIlLY UGH'l'-OF-WAY
LINE OF CEDAR. llIDGE LAND, A PRIVlI.TE STREET, (50 FE:ET WIDE) AND THE DIVIDING
LINE BE:'l'NEEN LO'l'S NOS. A-2 AND A-3; 'l'HENCl!: ALONG SAID DIVIDING LINE NOR'l'H 31
DEGMES 56 MINU'l'ES WES'l', A DISTANCl!: OF 85 FEET TO A POINT AT THE COMMON OPEN
SPACE; THENCE ALONG COMMON OPEN SPACE SOtn'H 58 DBGREBS 4 MINUTBS M!:S'l' A
DISTANCE OF 24 FEE'l' '1'0 A POIN'!' AT 'l'HE DIVIDING LINE BE'l'WEEN LO'l'S NOS'- A-1 AND
A-2; THENCE ALONG SAID DIVIDING LINE SOUTH 31 DEGREES 56 MINU'l'ES EAST A
DISTANCE: OF 85 FEE'l' '1'0 A POIN'!' ON 'l'HE NOR'l'HEIlLY RIGH'l'-OF-WAY LINE OF CEDAR.
UDGB LANE; ,'l'HENCE ALONG SAID RIGHT-OF-WAY LINE NORTH 58 DEGREES 04 MINU'l'ES
EAST, A DIS'l'ANCB OF 24 FEE'l' '1'0 THE POIN'!' AND PLACE OF BEGINNING; BEING LOT A-
2 ON 'l'Hl!: FINAL SUBDIVISION PLAN FOR CEDl\ll IlIDGE 'l'owmlOUSES PMPAKED BY JOlIN
C. BRILLHART, SURVEYING AND WU>PING SERVICES, AS lU!:Vl:SED ON ~ 15, 1978,
MCOlUlED IN THE CUMIlEIlLllm) COUN'l'Y RECORDER OF DEEDS OFFICE IN PLAN BOOK 32,
PAGE 73.
HAVING THEREON ERECTED A TWO-STORY 'l'owmlOUSE DI'll!:LLING UNIT KNOWN AND NUMBERED
AS 703 CEDAR. UDGE LANE.
f;
I
t
t
-.... ~~
~iIi!lIItJ-,;
NOTICE REQUIRED BY THE PAIR DEBT COLLECTION
PRACTICES ACT. (the Act) 15 D.S.C. SECTION 1601 AS AMENDED
1. This law firm may be deemed a "debt collector" under the Pair Debt Collection
Practices Act. Any and all information obtained during the prosecution of this lawsuit may be
used for the purpose of collecting the debt.
2. The amount of the debt is stated in paragraph 9 of the Complaint.
3. The Plaintiff as named in the Complaint is the creditor to whom the debt is
owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned
attorney represents the interests of the Plaintiff.
4. The debt described in the Complaint, evidenced by the copy of the mortgage
note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor,
within thirty (30) days after the receipt of this notice, disputes in writing the validity of the
debt or some portion thereof.
5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of
the receipt of this notic~ that the"d.ebt or any portion thereof is disputed, the creditor's law fIrm
will obtain a verifIcation of the debt and a copy of the verifIcation will be mailed to the debtor
by the creditor's law firpl. .
6. If the creditor named as Plaintiff in the Complaint is not the original creditor,
and if the debtor makes a writteIi request to the creditor's law fIrm within the thirty (30) days
from the receipt of this notice, the name and address of the original creditor will be mailed to
the debtor by the creditor's law fIrm.
7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North
Kings Highway, Suite 210, Cherry Hill, NJ 08034.
tliMaw~~~llil~~I;\~~_~Jij;~~~~~t,~~&~~~1I!!;1OO". ~ ~~-"""UllIIIl.~,,,,,,,,,,- . "~~""il!i!IiiIllll'fl
'''''''I
~" _.....ti
~>
........ - '0'
N ~ ~ -lQ.
~ {"l
tt '" ('~-;- 0)
~ . ,,''"
'<) 0 () '.
E ()
~ ' ~~]
\ , ,
-,"::-J
(\tJ ~ ~~, , c,
- , -,'J
.~~ '~,; '-")
- -.....J r- J',.,) - -n
~ ~6 i:'" ~~-,:
--< (,.) :'0
-<
" ~, ^-~ --
I ~
SHERIFF'S RETURN - REGULAR
CASE NO: 2000-02674 P
~OMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BA MORTGAGE LLC
VS
BENTZ JANET E
SHAWN HARRISON
Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
BENTZ JANET E
the
DEFENDANT
, at 0015:27 HOURS, on the 4th day of May
, 2000
at 703 CEDAR RIDGE LANE
MECHANICSBURG, PA l7055
by handing to
JANET BENTZ
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
l8.00
8.68
.00
lO.OO
.00
36.68
So Answers:
~Il?~~t:~~
R. Thomas Kline
05/09/2000
SPEAR & HOFF
Deputy
iff
Sworn ~~d Subscribed to before By:
me this /:t"f::::.
day of
7h....,:Mzri) A. D .
*(2 'th<tJi, /~~
Prothonotary I
BA MORTGAGE LLC
Plaintiff
v.
JANET E. BENTZ
Defendant
~_- -~C '
_ ~~I ,~,~~" "8
.."",
:IN THE COURT OF COMMON PLEAS OF
:CUMBERLAND COUNTY, PENNSYLVANIA
:NO.00-2674
CIVIL TERM
:MORTGAGE FORECLOSURE
PRAECIPE FOR ENTRY OF APPEARANCE
TO THE PROTHONOTARY OF SAID COURT:
Please enter the appearance of Lisa M. Greason, Esquire, on behalf of the
Defendant in the above-captioned case.
5:( () ~/tO
Date
II
Respectfully Submitted,
TURO LAW OFFICES
)f3
U.. M~';;;;;
Turo Law Offices
28 South Pitt Street
Carlisle, PA 17013
(717) 245-9688
ID #48619
riall'" ill f ITJUI ~.I - j 11~1iR"
'-
,-1~
IlL!.. J
'1 J:i.1ial..dtlillt~.limIiM~j~WiiiIl~l\Ii!ilfX" .~~"'..~.~-~
,e~ ~
,-"'
~- -"J'Irri1~illlr~
11IiI" ., ._~
(')
~
if2~
ci5 "~~~
,-<is"
-.--.....
;.-::;
~~?
~
-
-'-~-"',
C>
a
d
~;-,
:;}
-:;']:D
r---
--." iT)
:::.JC)
) ,
"J.9
;2:.:; -tJ
20
om
j;!
::0
--<;
:::
.~
--<;:
f',)
.j:;--
:rz
S;l
i="
co
~
r
,.
-, 'e"" -' _ .'_~
_.--. -I~
"
BA MORTGAGE LLC
Plaintiff
:IN THE COURT OF COMMON PLEAS OF
:CUMBERLAND COUNTY, PENNSYLVANIA
vi.
:NO.00-2674
CIVIL TERM
JANET E. BENTZ
Defendant
:MORTGAGE FORECLOSURE
II
I
NOTICE TO PLEAD
TO: BA Mortgage LLC
c/o Spear & Hoffman, P.A.
attn: Richard M. Nelson, Esquire
1020 North Kings Highway, Suite 210
Cherry Hill, New Jersey 08034
You are hereby notified to file a written response to the enclosed Preliminary
Objections within twenty (20) days from service hereof or a judgment may be entered
against you.
Respectfully Submitted
TURO LAW OFFICES
JclujtfJ
Date
~~"
28 South Pitt Street
Carlisle, PA 17013
(717) 245-9688
Attorney for Defendant
Attorney 1.0. No. 78269
II
I~ ";""
_L' ,
I~;.;
I
.
/
BA MORTGAGE LLC
Plaintiff
:IN THE COURT OF COMMON PLEAS OF
:CUMBERLAND COUNTY, PENNSYLVANIA
v.
:NO.00-2674
CIVIL TERM
. JANET E. BENTZ
Defendant
:MORTGAGE FORECLOSURE
I
"
"
,
PRELIMINARY OBJECTIONS
AND NOW COMES the Defendant, Janet E. Bentz, by and through her attorney,
Lisa M. Greason, Esquire and objects to the Plaintiff's complaint as follows:
1. Plaintiff's complaint, paragraph number 6, states that Corinthian Mortgage
Corporation assigned Defendant's Mortgage to BA Mortgage, LLC, Plaintiff herein,
I,
2. Defendant signed mortgage and note documents with Corinthian Mortgage
Corporation and not Plaintiff.
3. Plaintiff's complaint fails to conform to law or rule of court in that if fails to properly
identify the assignment of the Defendant's mortgage from her Mortgagee,
Corinthian Mortgage Corporation to the Plaintiff.
4. Plaintiff failed to attach a copy of said assignment.
5. Plaintiff also failed to properly cite the recording information of said assignment.
6. Pennsylvania Rule of Civil Procedure 1019 (h) states in part:
A pleading shall state specifically whether any claim or defense set
forth therein is based upon a writing. If so, the pleader shall attach
a copy of the writing, or the material part thereof, . .
7. Without the Assignment, Defendant is unable to properly defend against
Plaintiff's complaint.
II
'"
,.
1.:0::"'--
- ." _ '"c_H ,_~_, , _
-~', IIlIlIlIIlilII
'I~i
<"
8. Plaintiff failed to plead with sufficient specificity in that they fail to properly
identify the Assignment of the Defendant's mortgage from her Mortgagee,
Corinthian Mortgage Corporation to the Plaintiff,
9. While Pennsylvania Rule of Civil Procedure 1019 (g) allows for reference to
any matter of record in any State of Federal court of record whose records
are within the county in which the action is pending, Plaintiff has failed to
sufficiently identify the Assignment as to where it may be recorded in the
Court of Record.
10. Without proper recording information, Defendant is unable to properly defend
against Plaintiff's complaint.
WHEREFORE, Defendant requests this Honorable Court to dismiss this action
and to award attorney's fees of $500 for Plaintiff's failure to plead according to
Pennsylvania Rules of Civil Procedure. In the alternative, Defendant requests this
Honorable Court to order Plaintiff to file an Amended Complaint in compliance with
applicable procedures and to award attorney's fees of $500.
Respectfully Submitted,
TURO LAW OFFICES
~11)loo
Date
~~~
Turo Law Offices
28 South Pitt Street
Carlisle, PA 17013
(717) 245-9688
ID # 78269
II
n,
-----
"""11'11I
'~)o
l'''''1J~IIiIlhilIlii~~~~~~~~...;~,~Bi!l. "IiIi'WlilI-"''<il1l
,",
"
" "~-,
,.,
..
I
'","L:.c,
"
.
(') 0 ,:)
c: 0 ,1
-:s: t_
-0 f.:Ij c:: :'l~
rnn, z
Z::n
ZC: 1'0
Qz ,.-..", f
:-::;C>
~CJ "'"'(j ~5~
~8 _:j~
'f.' cSm
>c: .--<
Z ?c
:<! -.J -<
~--
. "~!lllIliOi, i
\t..-
\
Spear & Hoffman, P.A,
BY: RICHARD M. NELSON, ESQUIRE
Attorney LD. No. 72869
1020 North Kings Highway, Suite 210
Cherry Hill, New Jersey 08034
(856) 755-1560, Attorney for Plaintiff, Loan No. : 2006346759
BA MORTGAGE, LLC
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
NO. 00-2674-CIVIL
JANET E. BENTZ
DEFENDANT
PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE
COMPLAINT IN MORTGAGE FORECLOSURE
TO THE PROTHONOTARY:
Kindly settle, discontinue and end without prejudice the above captioned complaint in mortgage
foreclosure.
SPEAR AND HOFFMAN, P.A.
~
RICHARD M. NELSON, ESQUIRE
Attorneys for Plaintiff
",_..,J,,,.,,
iliIIiiIll~~ij~~.~"""
-~ ,
_,,~~ _~, ~. cJ''''_
-"~I_lill&_~~!l<~"-~- -"...,~~ lliIllIiilIIll .,
,". l_~_ ~.
-~ ..
,~-'"' --";.,,,..~'"
o
c:::
~~
!pm
::z:i-'i
Cf~:2;.-
;S<:..
_.N
~;:;.
,i:>-
$0
~
:::;J
,
;""
:::!t
-
Q
o.
J!
<;0
~"~
g
'-
!;;::
""e:
co
o
o
.."
:,:;j
'''-h:n
;-
.:~~
~""'r~5
c')lrr
,:,-:--(
,J>.
::0
-<
!:\'
,-"-,'1",,,,-', 'r'~ '__'__<0',<'_ -"-",,___ ,,:j - -._,.'0'-0.- ;..,.n ,~__;.~:,-".-'->_ _-",_..,'_,'_" ,',",,- _'r"~..."-,,,,,;,_._ '_,_~-C __~_,"'_ ,~"
~
Spear & Hoffman, PA
Richard M. Nelson, Esquire
Attorney I.D, No. 72869
1020N. KINGS HIGHWAY, SUITE 210
CHERRY HILL, NJ 08034
(856)755-1560
Attorney for Plaintiff
BANK OF AMERICA, NA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
DOCKET NO. 00-2674 CIVIL
JANET E. BENTZ
Defendant
CERTIFICATION OF NOTICE TO LIENHOLDERS
PURSUANT TO PAR.C.P. 3129.2 (C) (2)
I,Pat Bonkowski, Paralegal to Richard M. Nelson, Esquire, Attorney for Plaintiff, hereby
certify that Notice of Sale was served on all persons appearing on Plaintiff's Affidavit pursuant to
PA R.C.P. 3129.1, by United States mail, first class, postage prepaid, with Certificates of
Mailing, the originals of which are attached as Exhibit "A".
The undersigned understands that the statements herein are subject to the penalties
provided by 18 P.S. Section 4904.
Respectfully submitted,
SPEAR & HOFFMAN, P.A.
BY:
(Jd/3~
Pat Bonkowski PARALEGAL TO
RICHARD M. NELSON, ESQUIRE
,g
~ g
~ ~ ~
..0 C 5
o ..
1U .. ~.:
'~~ES
e:: jij S
Q. "'D - a..
~~8!;
!In.o
~.~ B~
J: ~~ ~
Oa:oo
-. .
Q..~O ~
'Qju"g::::
lil~--e~
a:~ 8 II) 41
E Gi a:lD = 0>.
2:!_'"
~3~~ ~
,"0 00
E
1;
.~
gJu "C
....~ Ql :
~'g>ag~
..2a:Euu :g
Eoooo ~
~
~
"
.
o
;;;
o
.
o
n.
~
c
.
o
.....
N
<ll
~
:l
rn
>.
C1l.....
s::~M
C1l.l:0
E .~ CO
::to
:::1/)'""
o ClZ
::t s::_"
"0 .-
s:::::':::::t
~z ~
C1l0 ....
<llN<ll
c.o .l:
rn.....u
n-
;~ j
'EE
.... I<~
,
." ~'
~ ~"
Cll e-g
C)'tJlP I
e:"D en (i!
.-','
,.-r,
W
III Cl
IJ') m ~
"-J:!(I)
C\JQ;OiO
.0 E a.
,;\
.
-go
.0
<nu
.-
0-
Cl
] .
, 0
~Qj
E>
~G)
'0 '
c.
.~
,,0
<(
o
OJ
"'
(,)
o
1Il
1Il
<(
1Il
I-
Q)
r:::
~
o
Q)
E>-
0"0
J:~
Q) r:::
"Ons
._ .s::
0::0.
I- Q)
ns-
"Of/)
Q) 0
Uu
- ._--,-~ ,-
. -,~--o'i'~'- " ~''"''~; '",,-'C;"
~
n.
, - " ~ ,:......i;j'""'~.,L~L"......~'''''~~,~
.2:--!!=~C.?:>
.~ 8!,o8 ~
~ ~ ~ %~ ::l
.5 ~ a..,s <II Ol
~S ~q; .
El: t:~-5
.- ,215 w !II OJ
~ Y ll.l (Il.e ~
E lil'iii=-15'g
1'!c8~~&~
~~~~n
~E'2!l8~
"0 ~ ~'fu (f)
.rt~~1;____
'-/:S.!; 1I:I<il
*"OE~5E
'~'ai ::lR'~1ii
... :E.~ <=5''!:: 5
ai ltdLn.~ ~
.~!!E~~E
ur~~~
s ~mc
.5 -8 8-al (,') 0
~5~!!t
~h":;;8 '
~o" ~<n_JlI
E g!'tl - 0
-8"0$1:'-= 8 (I)
'iiiQl(:SE~.Q--
:c _::l_q(W
5U"~11:;;
Fwh::~
'9 eO 4l....B'E
"g'l1"'lI- .
~o::t--::t~i
,r6 cu8~:!;Ci5
l!l.~B~ i::;:l! ;
~~llJl o~~"-
......-wCl 0('"
1;~~~~li.g
,~ ~ g 5 .." ll.
~~[~~jH
'0=.... 1Il;a..."O tD
w.....Q)on.....~lii
~~;i.~ 81m ~
,a.c~..c:-(J) 0 ~
~ ii i I .: .5
o~
~
ll.
>-
...
>-
...
'"
!l
o
I
l
s
<i.
Jj
r
'"
.
~
II:
~
m
.
.
u
.
ii....
- .
0",
, c
. .
~<n
E~
o~
z'"
iii..2!
..
III
...
"
:Ii!
E
...
'"
'"
~
I ~
.0
of
,.:
....
'"
I.!) ..,
E
"
"-
._'""_0'
-~ --
<I.
I-
-
':!l
::t
'><
\ \ I
",;>
'"-,
~~jjf
"
,--"-'"","",
,~,~ ,[-.
'"- ~ ,. . '" ,-^'-~,
."".
"",' ""~ ,~"".- ,",,-,""-
CJ
C
-o~;~
rnti;
~~:
-<4""
~C)
:>~"
Zc~'"
,--(.
)>e:
~
c:~
(5
..
-
'---
c:::
f~-
c:-t.
--'-l
.,
-~1
s::
---,~g
I_~_~~~
.:-;;-~{'~)
~-rn
~~
~
::0
-<
'?
o
rv
/
Aml1'~"!1:~!