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Home My WebLink About00-02681 " ""..1 SHERIFF'S RETURN - REGULAR CASE NO: 2000-02681 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK N A VS GRANT ROSEMARY E 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 GRANT ROSEMARY E the DEFENDANT , at 0010:10 HOURS, on the 3rd day of May , 2000 at 342 WALTON STREET LEMOYNE, PA 17043 by handing to ROSEMARY GRANT 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 So Answers: 18.00 9.92 .00 10.00 .00 37.92 r~r'."~~' R. Thomas Kline me thi s i t!:c day of 05/04/2000 DUNCAN & OTTO By : '" ( ~ I J f1 A Wa..ll)-'Y\ Q , ~ Deputy Sheriff Sworn .',~md Subscribed to before 7lu.....,;J..wv A . D . "WiIr' 0. /M,di,. ~'~41 . . rothonotary "~.. ,~"~,.'~~,,~~""- - iF .~, ~of" ~~'~i' I. KEYSTONE FINANCIAL BANK, N.A. : IN THE COuRT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYL VANIA v. : CIVIL ACTION - LAW ROSEMARY E. GRANT Defendant : IN MORTGAGE FORECLOSURE : CIVIL TERM 2000 -,;;;;g: / d0J NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTI! IN THE FOLLOWING PAGES, YOU MUST TAl<E ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITI! THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTI! AGAINST YOu. YOU ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITI!OUT 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 TIDS 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 LffiERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 '""':4t """"'""",",..."..,-""~,.~,.. ~ . . ~'~~ ~'''''~~''''''''''ljh KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVlL ACTION - LAW ROSE~YE,GRANT Defendant IN MORTGAGE FORECLOSURE CIVlL TERM 2000 - .L(.?) G.:;.,p 1-"-<- COMPLAINT AND NOW, comes Keystone Financial Bank, N.A, formerly Farmers 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, Rosemary E. Grant, an adult individual, reside at 342 Walton Street, Lemoyne, Pennsylvania, 17043. 3. On or about January 26,1995, Defendant made, executed and delivered to Plaintiff a note and a real estate mortgage financing Fifty Thousand ($50,000.00) Dollars, a copy of said note and said real estate mortgage being attached hereto as Exhibits" A" and "B", respectively, and are incorporated herein by reference as though fully set forth. 4. Said note and said real estate mortgage have not been assigned. 5. Rosemary E. Grant, is the sole record owner in fee simple of said premises subject to said mortgage, by virtue of a Deed dated April 22, 1983, and recorded in the Cumberland County Recorder's Office inDeed Book "E", Volume 30 Page 81, and by virtue ofa Deed """""~O" ~ ~~~~..'" . H. ~ ; '~""''';'''ll.-~w.,cl'b , dated September 19, 1988, and recorded in the Cumberland County Recorder's Office in Deed Book "Q", Volume 33 Page 157, 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 Defendant herein has failed to pay the payments that were due and owing for the months of January 2000, February 2000, March 2000 and April 2000. 7. The Plaintiff has given to the Defendant written notice of intention to foreclose on said mortgage as required by law under Act 6, dated March 27,2000, 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 March 27, 2000, 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 balance of Fifty three Thousand Six Hundred Four and 00/100 ($53,604.00) Dollars, with interest thereon at the rate of 11.25 % percent per annum computed from December 26, 1999, along with late charges and attorneys fees now due and payable. 10. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal due to date $49,203.24 B. Interest due to date 1,848.19 C. Attorney's Collection fee 2,552,57 TOTAL: $ 53,604.00 -- .- f" - ~~ ..~' ~~ "._'''''--~"-...,-, , 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 Fifty three Thousand Six Hundred Four and 00/1 00 ($53,604.00) Dollars together with interest thereon, costs and all other amounts advanced by Plaintiff. sqUlfe Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 -~< ~ -~~ ~.~~~~) , VERIFICATION I, Jack V. Hutchison, hereby verify that I am a Sr. Vice President of Keystone Financial Bank, NA, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ack . Hutchison Sr. Vice President Keystone Financial Bank, N.A. ;!1 1IAI11I>.lill~i~ ~~IIII J.lIJJLJllli, "IIII1~i illll L " JIII,I NI"HII ..11111II UOIa '''il>-~tir&1~:_, 241-0060 FINANCIAL,TRUST '1 I l :;) PROMISSORY NOTE , . 354 P02 APR 27 '00 14:13 10/33'11- ;;'0) --, ., . ;,;.. Borrower: II. E. GI'IRt OlmHny,lllC. 342 W8IIOII SlreeI IAllIOl/ne, PA 1llM3 l,ender: F_TlUlt~ ~P#Olllce On."Wesi R$h$lreet CorD8Ie. PA 111113 Principal Amount: $50.000.00 Initial Rate: 10.750% Date of Note: January 26. 1995 PRQMISE TO PAY. II. Eo ~ ComPll"Y. I~ ('1lomlw" pnIIIIlMs 10 /lIlY 10 F_ TrIISI Co!npony~), or GRIer, In IllWfIIl money 0\' Ihfl_~ $Ifle:s oJ:.~ on~." prInclpII emOUllt of Fll\y 'llIou&a!Idi 0IrtJC!D 00IIIwlIl ($5lI~ or SO ~.. "'" be ~dl"l/o"" WW1la1teieS1 liftlhflllilpakl ~ lll1AClPIIlleIIIICe of elCludVaIlce. 'Inlelal sIuII be .............. ffoni Ihe dale 01 -" ...._ until....,.... 0'1-".,......",. PAVI\IlENl'. IlcNrower will PIIY t/IIe '-' ~ ........ Ltndor's _ In _,IIaIr_ wID JIll)' Ie$UIer IllOIIlhIy paymenIS Of 01' lIGCfUed ul!Pl!ldlnlelul d.... .. of ucIl PllY/'"lnI,cIeI8, 'IeIInnI"ll f\lIlnIerY 21, 1!1!l5, .. all ~uent In-...perlU8lllS 10 IIil.GUe OIllhe SIl!*" ~ Of -1llOIllIl.-lIIOt. _will pay La. all.llndors addreSS shown above or alsUCh oilier p/lllle ul.Onder lVljIY d~ in writing. Un/QIls ~ _d or requirBd bY ap~'" law, payments wiD bo 8\lpliocl fIrslto 8CCtUGd lUlpaid inlerest then 10 prinalpal. and any remalnlng amCllnt to any unpaid cc/~on cosls and late chatgeG. VARIAlILE INTEREST RATE. Tho intol8S1 relalon this Nole is subjeclto chango from limo to Umo basad on ehG/lges ill an index which is !he Farmon =:..pa."':l....~.....-..'*".. (lh._.'. '~. ~ex")..~...-r:,.,}.~c;. !he."' n~~u:.~... .=::=... ~.~~....ultlon.:.":... ....~...~.j..s..:.,..,IlOIro\Ver.by. Len.......da..I.an.ln.~s:a tell Borrowet Ihe cu",", Indelc nIlD upon BcrT~req llorclwGr,undG<liIaIlds 1hallAncler may lnIke 108lIl. bellIJd on oilier raItIs.. welL The InleresllllJl c~ Will not occur more QIlel\,1IIan._. . TIMt llIIIeXcunena, IsL75O'll. per........ TlIII ~ _lQ.De-mmecllO lhe IInpIIid P/bICIpI!l .... of INSlIOfe _ lie II . tale 2JIOO ~ pa/IllS over IIIe -x. ....ntag In ... I/lIQaI raIe <II 1....750.. per annum. ~ce: Under no cirCllrnstances will thO inflnsI onlhis Ncle bsll\Qlllll1an tI1lt moxirnun'i_ aJIowed by 8\lptic8b1e lew. PREPAYMeJilT. Borrower may pay without penally aPT a n 01 !he amounl owed eartier than ~ is dUB. &r1y payments wiD not. unl8SS agreed to by Lancler in writing, roIiove Borrower Of BolrOWer'S 0 10 collUnue 10 make payments Of accrued unpaid inlllrGsl Ralhor. Ihoy will IlIduca lhe principal _ca dUB. DEFAUL:. T. 8e/l'O_ wiD b.1n default K any ollhe .lollowi. ''1!l happens: (a) Borrowllf !ails 10 make anypaymenl when dill!. (b) BC/I'OWOI' bus any promise Berrower has made to lAndor. or Bbn'ower fails I~ parfarm prompUy alfhe timo lUld sUiclIY in Il'oI manner provided In tI1Is l'fole or OIly agreement. ..re. lated to lb. Is. Note. or In any clher. . agRl8mant oLloan 1IoIro"I. or IUlS with Lande<. (e) Borr~... delaulb uncler. any. .. .Ioon, 1IXIlll1lIi. 'on. 01 crecllI. ' secunlf. agnIiJlIlIlIlt. p. 1lICtl8se. or _ agreo.lVlWll . .or any. ''P'her agree~ In Ie.... cI any other ~.. or _. Ihe.1 may. maIlIriIlIIy.. . '. ~.'. any 01 Borrow......pmparly or Ilorrow8I'9 abiIiIy lO.....y lI1is Hole ~ parlonn ~ obIigalions under UIis Note or any oIlh1i Rel4ted oocumerdll. (d) Any rep-.lation or S\lIIell1lllll _ or _~ 10 LoncIoIr fY lloi,'~ or on llon'ow<<'s IlGhaIIIs IalI;o 01 mbleadInG in any ma!IIIjal i8speol. (0) Borrower becomes i~ _.reGlliver is appCl&d!!d !llr.8!'V P\IfI 01 aorr~ pI1lpIlI1y. Elu..~ rnaJo!s an 1IS&iIJrio-' lot thO ~ oICfO(jJ1ol$, or any prcceedlng Is collUllOnced eilher by Bcrrqwer or IlQailjst ~ .\IIIder any banl<rupIoy '" ~ laws. (I) Mi creditor IriGs to laf<8 any 01 Bon-ower's plDpal1y on or in whiCh Londolr has "lion or ~ ~ This Induaes a garnishment 01 any 01 Bonoww's aril:Ounls with Lonclor. (9) Any of !he '"(lInts _bod in thiS dolaullSlldion OCCUIS wiJIIl8SpeOl to any guarantor ef !his Note. (hl Londer in good Iailh daoms ilslllf _ure. LENDER'S RIGHTS. Upon deIllull,lAndor may, alIefgM~ such notices.. IlIquirBd by applicabla law, decfare the.ntIre unpaid principa! blIlanca On Ihls fIIote and all acctII8d unpaid Interest Immediately ~ue., and thon Borrower wiD pay lhat .mounl. \-8ncler may hint 01' pay someo... _ to help collec.ltllls Note II Botl'ower d_ not pay. llorr_ aIsq wlII pay Lo/ider lhat amounL Thi$ in<;tudes, aul>jec:lto any OmitS undar appllcallle law, Lond.... attorneys'""", and Land...... I8gaJ ..""'...... who\her or not lhare is " lawsuit. Including a~ '- and legal ~ for blInkruplcy pr~ngs Qncluding eIIorls to modify or ~ any auto'l'8lic stay or Injunction), appaalS. and any 8I\liCipatedposl-jUdgment eollec1iQn S8lVicas. If nol prohibited byappUcalllelaw, Borrower aIaO will pay 1\1I)' COllll CCJSlS, In addlllon to all oCher sum$ prQYidedby laW. I' judgll1lllll is enl4!red In connedionwilhlhis..NllIB,in.... will... conIi... .'nus. ,lOa.......o~lI1is. Nolo. _..' judgmernal1hoinlelesl~~pIIcableto. 1his....lli!Iteal.!he. timaiudgmonlis etllered. TlIle NOIII .... been d\llIVtlIelIlo I.8IIIIer ~ rl8clliJ ~ In llIe ~cop1 or PenIllYIv_ Illl\efJ Ie a IIil\IsUIt, Bo~ -Oree811P011 Lender'lI requesllo ~lt to ~ jIH......a...i'Ollba _ ol ~ ~. ... c:.imiInonweaII Of Pel\nfY!vanJa. ThIs No'" shall,,* QOV8rlIelI1ly and eonslrU8cIln ~ WIllI _laWS olll1e CoInmolI1oJea/I Of PennsyIYanIa. RIGHT OF SIITOFF. Borro_ grants to Lencf8r . c;on1l'al:\U8l p"""'""!coy S8CllIily in_In. and hoirabY aaslgns. convays, dellven;, pr.dges. and lrensf&rs 10 Len. cIer.n Borrowefs tight UU. and l.nIetes. 111" and to, Barro. wefs account! with LandOr (whelhor checkil1\l. "vi. ngs, or seme other account), inctudlng wllboulllmllatton an accounls held jolnuy with SOlIIIlOhe otse and all acccunts BorrlJl!f8f may opan in Ihti future, lllicIudll1\l however atllRA, KsOllh, and 1ru$l aa:ounts. BMllWlIl authoriZes lfIndor. 10 tnollXl8nt permlttad by applicable law, to cI1atg. or satoff .. .ums owing an Ihls Not. .gains! any and all .ucn accounts. , COl.LATERAL. This Note is secured by. in addition to .ny, other coIIa~, a Mcrlgag. daIad Januory 26, 1995, to Lender on real properly located in Cumb8rland County, ComlllOllW8lllth of Penn$ylvonia, and a MOfIgage dated JanUlllY 26. 1995. 10 4nder on real properly loI;aIed in Cumbedand . -<It>unly;Commonweellh 01 Pennsylvania, all !he IIInns e.nd Goncfitions IJ!whic:h ... hBrabV itlCOJPllr8ted and _ a parl 0I1his Nolo. UN!: Of CREDIT. ThIs Note Wd8nces _ reoIQMng &no 01 \l'edl. AOYarlCOS '"''''''' this Note moy be req~ oroIIy bY Borrower at bY an authari2lld petsOn. lender may, but nelId not. tequn lIull all Oral ~ be conliltned in writing. All communil;a~ns, inslruc:lions. "'. dilBdiOnsby _hone or oIharwisB 10 Lander orB fa be dilBc:Ied 10 Land81's olfioB sh~ lib..... The following party or patttosaulhorilJed to req~ aclvlIn<:8o u.ndor Iha line 01 or.dft until Lander ~ from Borrower '" Lend.... ~lIl1ress shown ob""" _on noliCe cI rtII .. tion oIlheir aulhOlify: ~!:. Granl, Prestclenl. Borrower agrees to ba liable for all sums ailhet: (al advanClld In lICCO(dance with the ins~ol\!l 01 an llUlh~ patsOll or (b) crIId~ fa any 01 BO<<OWel'a _nts with Lsttder. l1te unptjd P'i1Ulipal *nee owing on tills Nota at any tinjo may bell1lidelll;e(jlly endorsel\'lQn1s on Iblll Note or by Lender'& InternallllCOrd$, Including dally computer print-ouls. Lander will have no cbl~on to aclvanc:e funds under ~ fIIole. if: (a) Borrower or any guarantor is In default under lha. terms a11hia Nolo or '1IIl' agnl8monl thai BOlTowor OI;:any g~. ':tlIll With Lander, Incl. udllIll any agreement made In con.. ndOll with lhe lIlll.' ning.. oIthi53' (b) BDlTOW.... Of any guarani'" __ dOl."". b_ or 1S.ln5CIvf!nl; (0.). 9llY gll!lrantor ~, olaIma or 01t1elwisll attempts 10 limit, modity or .uch v~ guaranloo of this Note 0<; any olher loan WlIIl ~ (d) Bo_er has applied lunds proIIidecl purwent fa thir$ NolB forpUJPCISIIS oilier Ihan Itloso _ by Lunde<; 01(.) Londor in good IIlilIl deems 11seII1"$IlCUIlI under this Nole or any othar agreGlI1IlIll between Lander anc;l B_. ' . I EXHIBIT Iii - , ~ -~,- '"~r. c' ~ '"~" _ """""~_~~,{:; 241-0060 FINANCIAL TRUST 354 P03 APR 27 '00 14:14 ~ :: I "- PROMISSORY NOTE (Contlnulld) Page 2 . ~P!lQVlilIONS. This Note Is JlIlYable an demand. The inclusion 01 $pIIOific dlQulI pn>visiol>! or rillh1:i ., L.8ndar 'IhaR nof p_IUIl8 L.8ndor's riQhllD .1l8c:IaJ8. ...... . ............. . B. 111. .gf this Nolean lis d8jmnd. Lender IlI8l'delay 01' fooVo enloIaing. anv..oIi1l1 rigl1IS..... . . 001' ren1ed. . ills 1IlId8r.. ..1I1iS NlIIB. ..... -..'. Ioloing them. 80rrllWGr lInd anv oIIIGI'.p8IWI who siGJlG.ll\IlII'IlIII8B 01' __ this -. 10... _ ~ by law. wall/lI p_nliI!tnl. demand lor Jl.&vme!ll-, ~ and.flQlIoo 01 disho_. ~ any ohange in'" ...... "'!his -. and ..- """"wi5a Iil!PreSsIy ~ Iil WiIliI!(l.l\Q piIIIV who SIllIll! II1isrlote. ~;as ll\8ll8t.ll~'rlCCO,.d.NdaIon maI<er OI'.endoIser. sIIII be ~ !rom WliIiIY. 1\1 SUCIl ~ ~ l/laI Lender rnaYI\l~or~ (~~ lot any/llllllh olllnle) lIIls loan. 01'.... any party 01' ~ 01' QilllBIInJ: or~. fail to ieQlIal upon (It P!lrlQcI l.Gn!lGr's SeeIiri!y: intQriIsI in IhB c:dIallIj1lI; and. - Illy -- '*" deemlId ~ by l.enclet wHilouIlhB c:onlMlnI 01 or no\fcB 10 anyqne. All SIIOh peitIee Po BgrBII1hBl L.8nder mIlV mOdify 1hiS kllln wilIlOIllllle COIlSllI1l of or noIIoe to anyone olIIer Ihan lh8 plIlly wilh wham ... modlficllllon is mecIe. W atrt pOttlon OIlhls Note Is l(lI' sny_n dBlBrJnim'd ID b8 ulllllllOnl8lbte ~ 'NiD notafleet IhB enloft:8ablTIIy oIlU1V 0IhBr proviSiall5 ., Ihis Nolfl. ~SION OF JIlOGMl!NT. BORROWER HEREBY IRREVOCABLY AUTHORI2ESAND EMPOWERS At(( ATTORNEY OR THE PROTHONOTARY OR Cf;a'!K OFJ,NYOOURT IN THE cor.tMOlllWEAL TH OF PENNSYLVANIA. OR ELSEWHEIlE. "TO APPEAR AT ANY TIME fOR BQRROWER AFTER A l1E!'MT 1l.NlilER THIS Nare. AND li\'1Tli OR WITHOUT COMPLAINT AWl. AS OF ANY 1B'ltl1, CONFISSS OR ENTER JUllGMEr'lT AGAINST BO~ FOR TljEENTlRE PRINCIPAL. B1\LANCE OF THIS N01E AND AU. ACCRUED I~. TClGlmlER Wfl'I'l.com OF SUIT. AND AN ATTOR~COI1tMIS$lON OF '\'EN PUICE!\lT (100.) OF THE UNPAID ~ClPAL BAl.ANCI! AND ~ INTEREST' FOR CQI,.LECT1ON. Bur IN At(( EVENT Hat lESS THAN FlVl; tIlJl\IP!lI;O DOUNlS ~) ON WHIQf Jl.IDGMENT (lfl ~ OlliE OR MOAeIOXEOunONS MAY IsstJE IM~",la Y; AND ~ so DOING. !J1ilS N01E OR A COPV OF THIS NOrE YERIFIEI1 BY ilfl'Il)Al/ITSHAu.. BE SUfl'lCI~ WAAfIANT. THE AUT1iCiRny GI'IAN'reD IN THIS NOTE TO CON!'ESS JUDGMeNT AGAINST IlORR()Wi!R ~ NOT llI' ElCHAuSl'ED. BY J,NY ~OISE OF lloIAT A\lTHORIlY.BUT SJ.fAU.CONllNUE fAOM llME TO llME AND AT ALL llI.!es UN11l.PAYMENl' IN FULL OF ALL AMQUl'/TS DlJEllNOER THIS NOl'E. BQR!lOWER HEREBY W1t/VE$: At(( RlGfIT BORROWER MAY HAVE TO'NQJlCE OR TO A HEARING IN CQNNECllON WrtH ANY S1.)CH CONFESSlQll. OF JUDGMENT AND STATES lloIAT BORROWER HAS BEEN REPI'lESE/IIl'EDsY U!61tJ:. OOUN$EL- THE WEN ARISING FIlQM . ANY JllP~I\lEI\IT CONFESSED OR ENTERED PUfISUANT TO THE FOREGOING AUTHORI'IY SHALl. NQT ElC'l!!!NO TO ANY .OF BORIWWER'SRESlDENTlAL. REAL PROPI5R!TY AS THATITI;RM IS DEFINED IN lHE PENNSYLVANIA ACT OF JANUARY ao. 1974 (PA. LAWS 13, NO, 6.:)....~. .... ........ .. \0. AS. THE lOAN INlEFlE...ST AND. .aFCTlON. LA. w. ASAMEJII()EO. . .... .' AND THE HOlOtm. OF Am... J.\!DGME.NT... CO.'. NFESSEO OR ENTERED' PUI'lSUANT TO lHE FORGOING AUTHQJl SHAIJ. NOT. IN ENFORceMeNT OF ANY SUCH JUDGMEI\IT. IOXECUTE. lEVY OR OTHERWISepRQCEED AGAINST ANY SUC!'! RIiOSlDE. REAL. PROPB'llY; PRC)VIDEl). HOWEVER. THAT THE lIEN OF SU.CH JUDGMENT S~ ~NtrTO SUCH ~SlDENl'\AI. RE,Al. ~ AND THAT lHE HOLDER lI'lEREOF SHA!-L BE PERMITTE\) TO i'llEc:un:.1.EVV OR PR~ AGAINST SUCH Rl'SiDENl'\AI. RI;i\l. PROPEIfIY FROM AND AFTER Tl'lE IONTRY OF A J\lDGtIIeNT ASCONTEMPlAlED IIY $ECTlON 4r11. OF SUCH l.OAN INTEREST ANOPflOTEcnON LAW foND RUlES 29111 TO 1!9lI6 OF lHE PENI,!SVlVANIA I!lJl.ES OFClViL PflQCaJ~. OR SUc;cEiSl!9R .OR SllIlLAn srAl1J1'ES ANQ RULE$. !'lO UMITAllON OF WEN 0Fl ANY ElcECUTlON. lEVV OA OTHER ENFORcEMENT CONTAiNl3) IN THE IMMEDIATElY PRf!Cl!DING ~ SHAll APPlY WITH RESPECT TO ANY JUDGMelllT OSfAlNED OTHER THAN BY THE fOREGOING AUlHORrTY TO CONFESS OR ENTERJU~MEIIIT, PRIQR...... TO .8IG. .IIING. THIS NOTE, 1lORl'IO~ READ jUNDERSlOOO AU. TIE PROVISIONS OF THIS /llOTE, IN!1UDING THE VARIAIlU! INTI#lI!STAATE ~SIONS. BQIUtOWER AGREES THE TERMS OF THE NOTE AND ActqIOWlEOGES REc::EIPT OF A COMI'LETal COPY OF THE NOTIE. BORROWeR: ..~~. I ..~ ..... . I.. . ~-. ." . '''."" ~'^"'. :'.' '.' .-....-................................ $v ~. - _.- ....__.............--I~) . ....... .......-.. . , ,. ..,-...-....-...- .-_ -:-. ......... '~:.';".,.. w. ...... ....,.....,-..-."..,.....-,....--............ _.. iJlyE.GteIlt . _ ! Varratlltf\lt.. L.in. Q' Cro~ll, I,.ASfiR PRO, Reg. u.~ PaL" T.M. Olf.. Yet'. 3.18~) i_OFt f"roServK:05, Inl:, All nlilh~lin:".I'Vt<L IPA-O.l!:O REGRANT.LH Ct.DVLI .~.,.. \ ~ 'j 241-0060 FINANCIAL TRUST d43P 355P03 APR 27'00 14:24 RECORDA,TI~ REQUESTED BY: Farmers TruSt-company One We.1 Hlah streel caJ1lo/e. PA ~7U13 '. ROiiER; ? ZIEGLER RECORDER OF DEEDS CUMaERLA:;~ COUNTY - i'~ WHEN RECORDED MAIL TO: FllIlIletS TIUlII Ccm/IIInI' One Weslltllh Slreet Carll.. PA 111113 :95 Fill. 3 Af'110 51 SEND'TAX NOTICES TO: '-RGoenI8Iy Eo GlIal 342 WallOlt S_ Lemoyne. PA. t7Ol3 SPACE AlIOVE THIS UNE IS FOR RECOIlllER'S US!: ONLY OPEN - END MORTGAGE THIS MORTGAGE SECURES FUTURE ADVANCES , THIS MORTGAGE IS DATED JANUARY 26, 11995, between Rosemary E.. Grant, owner(s) in fee simple, whose acldrell$ is 342 Walton Slreet. Lemoyne, f.A 17043 (referred to below as "Grantor"); and Fanners Trust Company. whose address is One West High Istreet, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For VaI_ _, ~ _IS,. batgo/dS, -... ......_ __ tr_ers. releases. conlInns _ mort_lo Lendet all 01 Gran""'s righ~ IltIe. and i~ in and 10 1I1B lQIIowing _ ....s propetly. 10g.U.... With all existing or su,,",,_ntIy erected or affixBd buildings. improvetneats and fiXlunIs: ~ strB9Is, ranes. aiI8ys., passages:. and 'oVa)'$; an easements. rights ot way. an Ubertiss, privileg... Ienements. _Is. and __1_ b<lIongi"ll ar anywisa made app-..anl _. and !he _ns and remaindall; with respect 1_: all wafer. walBr righI:s, ~ and dIlch Iigllls Qnduling stock in _ with ditcl1 or imgaDon rights): end all other rights. royallles. and proli\$ r_11\l to lh8 ....s ~. indlldlng wlIhout limilaIlon all _ cIl. _. 900_ end similar mallets, located in CllImberland County, Commonwealth of 'lnnSylvania (Ute .Real Properly.): Deed Book 33-Q ~ Page 157 iownshi r eproug : L{;"'o !",r;; The Real Properly or its address Is _.. own as 338 Walton Street. Lemoyne, PA 17043. Gralllor presaOlly assigns 10 Lander all 01 6<anl..... right. ~ and _ in and 10 at ....... oIll1e Property and all Ranis li'om lhe propof1y. In addition. ~or grants 10 lsnder a IJnif<)Qn ComrnBR:ial c.re SBC~ inleceslln ll1e Personal Prop<lrly and Rents. DEFINlTl(lNS. The rouowlng words .l1aII have lh8IQ11Qw1ng meanings WIlen USed in Ihi5 MDflgage. TtlfTll$ llOlolhelwise defined in this Mortgage .haIt he"" lhe meaniJlll:i aI1nbuled 10 such tenns in !he U,,"O<m Commen::ial COO8. AII...-nces 10 dcIlar amounts .ha11 mean amo"nls in lawful money of lhe United Slalas 01 Ameri<;a. I I Borrower. The word ~crrQwer"" means each and- every perscn or entity Signing thB Notel including without limitation R. E. Grant Company, Inc. Eld9llng Imlebledn..... The words "eXIsting Imlobtein.... mean tlla indabtedo",", described bolow in lha I:xisting Ind.bted..... """tion of this Mortgaga. ' Gr_. The wctd "Granlor" means any end all p.r.;oll$ and ""lI1ieS SlCaCllting tllfs Mortgage, including without Umllallon all GtsI1lors nam.d above. Th. Grantor is II1e rnoIIgagor under this M~ Any Grantor who oigns this MOttgage, b1Jl d.... nol sign the Nole. is siglling tllis Morlgage.cnly to gran! and convey IIIal Grant""" ~ in Iha _ Prcperiy and 10 grant a securiIy in_ in ~ _ in the Ranis and Personal Property 10 Lender and is nol ~ ~ umlerll1e Note -' os _ pmvlded byconlnlcl or law. G. .uaI'llIIlor. The word "GUIl18IlIor" means and indv1 Without_on eaclt and oJ oIlhe guaranlots, .-. and ac:commodallOll parllas 10 connoction with tf10 Indebtedness. Improvt!menta.. Tn8 Word ~mprovements'" means and InclUdes without limitation an BXisling and futuro improvEll'llents, fixtures, bulldings, structures. mObile homes alfiXBd on !he _ Propof1y. facfUl1as. additions. replacamanls and c!har cooslnlclion on !he Real Property. I Indebl.dn...... The word 'nd.bled...... Ill9lIns IllI principal up 10 $50.000.00 outstandlng undet",,, Note at any lima and inlen1Sl payabte uoder . ~~ Iha Nole and a"l' amounts expanded or advanced by Land.. 10 dlscharg. obllgatloll$ of Grentor ar ""Pons.. Incurred by Lendet 10 .111""'" ollllgaUons 01 Gramer under this Mortgage.togelher wilhlnlenlsl 011 SUCh amClJnIs os provided in this Mortgage. SpeclIIClIIIY.8II\IIoull""lIo1lon. 1~1s Mortgage secures . ""'oIv1PI1U.... 01 cre<llt. ...riIcn D\lIIga\e5 t..ende< 10 """'" ad_1o eorrower unless eorrower _10 co.mply "'1m 011 tile terms Dr !he Note 11III LencIer gives ~ . 110111:8 01 -. TIle liens and securlly lnIerests crealed pursuanlto tills Morlllllge co~ lite 1__ WlIlc:lIlIIIIy """'-In \he futuro _ _baCk 10 me date Of litIS 1IDrIpge. Lemler. Th. word ""'ndor" III8anS Farmers Trost eo.t.a"l'. ~ ................. and assigns. Th& Lende< tsll1e morigagee unde.-1hIs Mortgage. Morlllllg... The word "MortgagEI' moons 1l1is M~ between Gr.tntor and Lellder. and incJUdes wilhDUI ~mila~On all assigml18nls and security i_I provisions relaUng \0 the POlSonaI Properly andi Rants. .. . .. Nole. Th. word "Note. mea"" !he promissory nole 0>; ored~ agraemenl dated JanllBlY 26, 1995, In Ute original principal amount of $5O,OOO~OO from Borrower to La . of, extensions of, modifications oft rofinancings of, consolidations ofy and subsUluUons for the promJsso.y n EXHIBIT TOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE. . Personal Property. The words. 6 nt. fixtures. end other lUticIas 01 personal propeJ!y IlC\V or _ owned by Gnurtor, and now or he>eafIet a i . .' - . Ioge!ner with all accassions. parts. and eddilloll$ 10. all repfacemanls of. and all subsUlu1lons lar. any Of Sll ! Qndudil1\l wiIIlout DmilaDon aIllllSllflll1C8 pmc;eQdS and refunds of premlurns) from any sale orc\her di _ ~1')c:.O PAtE &ifi Propetly. The word "Propelly" ma <S tho Pe<sonal Property. ~OllK ..~ I N ~ ~, T L ~ - ="" ~1Ii'"'''''''' ,........~ - ~, ~-~~51T 241-0060 FINANCIAL TRUST 355 P04 APR 27 '00 14:24 :1 . ; MORTGAGE (ConUl'IlIed) Page 2 '. : . R.... PIWerIy. The WOrds '1'leaJ Properl)'" maan Ihe properly, intnsls and ,;ghls d8saibGd &bowl in Ihe "$rant 01 MOItll<<ge"-aon. Related llocum..... The words ~ D\lCuments" MIllIn and irx:luda V/ftlIoul Iimildon IIlI promissory no.. credII 811_18, Io8n agreamenls. 8i1\11f011menlal agreamGnlS, guenmties, &eClJrtly aglllllmenls. IIIOfIG8ges. da8da of frust. atId IIlI olher inslrumenlS, agteemomls IUId -"menll, wIMIIher now or """,,,fler lJIliSting, lIIlllCUlad in_nection VIith Ihe I~ n.nta. The word '1'le.. means an ~ and IuIure -. -1J8S, i_. Issues. royaJliIls. profiIs. atId other Il8I1llfi1$ derived ltom thB Properly. ill ~ TIllS MORTGAGE, lNa.u:llNG TIt! ASSI~MEltT ClF RENTS AND TIE SEaIlI1Y IN1EREST IN TIt! RENTS AND JIERSOfw. PROPERlY IS GIVEll TO IiECURiE (t) Ploy.... OF TIlE !1IllEWEDNESS AND C2) PERI'OflIIANCE OF AU. OIlUGATlONS OF GIWmlfl UNDER rias MORTGAGI< AND THE RIil.ATED llOCUIolENTS. TltI$ MORTG4GE IS Glvat AND A\....".,CU ON TIlE FOI.I.OWING 'I1!RM&: CiRANTtlR'S WAlYaIS- Gnlntor waives au righls or <lele_ arising by I1I8SOn 01 any "ona action" or "8nlHtefidencY" law. or Bny olher law whlCn may .!'!8"8'" Le!1<Iar ltom bringing any aeOon 8gainsl Grantor, inclUCllng a cIBim "" dallciency 10 IIle _nt LlIndtlr is olhelwlse antillsd 10 B claim lot ~. belcm or B_ LenWs com"......."'"'. or compl8llon 01 8I1Y lcQc;Iosure aclIon. aiIIlar judicially or by..._ of a power 01 saJe- GRANTOfI'S REPRQENTATlONS AND WARRANTIES.GnmIor werraflIs that (aJ this Mar!llage is 8l(AICuIad at BllITUWllr's request and nol at tlu! raquBlIt of I.lIncIar; (bJ Glantor hall the lUll p_ and right to "11110 thio Morfgage and 10 hypothecata lIut Property; (oj Grantor has BSIIIbllshlld IldtIqllBte 11188ns of OllIIIining from ~ on a continuing basls I/Ilcrmalion IIbcluI ~s &lancfrll condition; l\I1d (d) Lencler has mode no _talkln 10 GnmIor about BqIl'O'Mll' fUlCluclng wiIhoulllmllalfan th& CIllCliIwOlillkless 01 aon-). PAYMENT AND PEIlFQflMANCE. Eocopt 11$ oIlleI,"1se ~ ;;, IIiI; ~ ~ sh8II pay to Lenelet 1IlI1_"""" S8CU~ by this lo1ortgage os ft IlecoInes due. and EIorraIO.- and GnmIor sI"!I sIlidly perillnn at thaJr fISpGCliw ObIigrllionJ under !his Mortgage. POSSESSIO" AND MAlNTl!NANCE OF lJ1I; I'IlOPER1Yj Grantor and Borrower agree lIIal Grantor's plXlSllSSion and use of 1Iu! flrIlporly shall be _118/1 by the 10Uowing pRllllsions: PoaliM&IOI1 8Ild Uae. UnIiI in default. Granlor may T/rI4In in pO$$8$Sion and conIroI 01 and operata and manage the Propetly and CclI!8cl the Rents ltom the Properly. Duly to MaInI8In. Grantor $hall maintain lIut ~ In lananlable CQlldition and promplly petfonn aU repairs, 'eplacem8nls. and mainlanance necassory to PIlMtlMl its vall1l1. . _ J HIarlIous lkl..lCee. The lIIrm$ 'IIaZatdOU$ ~. 'lIa1.ardous --.' 'di:iposIII: ............ anG 1MallmBd -.' .. used In this MOltg_ shall have Ihe - _ngs Il$liel1Q1h !'I1hII CoI............oi1l8 erwtronmantal FllIspOll$ll, Compan$aIlOl\, and Liability AI:t 011980. as aRIencled. 42 U.S..C. Sadion S6ll1, at $iJq.. . rcER~")..the ~ Amendlllll. .and. Rea.ulhcriZaliOn Ad 0I1.~.. Pub. L No. 9!l-499 ("SARA"). IIle _us MlIIerIals Transpor1Blion A<;149 U.s.C:: Sdon 1801. III _ the /lesouIal CoIl58lvalion and ~ AI:t. 49 U.s.C. Secllon 61101. 81 Ileq-. 01 olJtet __ &IlIte 01 F;IcleraI lawS, """", 01 regulations adopl8d pur.luant to any 01 lIut !oteQolng. The lBtms "hazarda1lS waste" and 'hazardous su~!IhaIJ . inclUde, Wilhou1limildon. peItol\lum and pelrolallm bv-procluctl; or any lracIIon tlulr801 end ~lOs. Grantor rap_nl$ and w_ts 10 i.trJid8r ~ ra) Ouring the periad.of Grantor'$ ownership of the ProPorly. Ih8nt hlIlI bean no .... generation. manulaclure, storage, IIll!llmanl, dispqll8l, ""_ or tMlaIanad -.. of any tw:arejous wasla or S\lb$Iiu1at by any pal1lOlI on. unclar, or aboul the Propetly; (bJ Grantor hall no kn"'l'leQQa of. or I'IIBSOn to believe lhellhere has _, IllU:8pI ;IS PRWioU$ly d~ 10 and acknOWladged by L.endet In wt1IIng, ~) any _. lJ8I18I'8l1Cn. manllfBdure, storage. trealmGnl. disposal. nlI8aw. or Ihreale.,o 1'81_ of any hll2llRlous waslG or S_nee by any prior ownars or ~upanIs of !he Propally or (i) eny actUllI OIlhreljtened I/lIgaUon or CIaiJn;o 01 any kind by any _ ,*llng 10 such 1IIlIItln; and (eJ Ellcopl asl~ 1I'~lc sed to and acknowled9Bd by I..andar In wriliilg, QJ _ GIlIntor nor any tenant. plnlm:lor. agent 01 otner 8Il1IIorl>JiH:I _ 0I! tile Prcpety shall use. ganarate, MllnUfaclunt, stonr, tJvat. disposa of, or raIaasG any hazanlous waste Of $Ub$lanceon, uReIet. or abOllIlIlI' Pn:Iporly and (i) any $uch ao:tiviIy _ Il8 _lluc;ted in compliance WIIb an app_ fed8ral. sIal8. and loco/laws, regulallonsan" -"""1""0 inc;IUding willtou1limi\Bti<ln those law$, regUlaIlons. atId o<dine"""" _lid abow. Grantor aulhOrials I..IIn(Ier and its lIg!lnts 10 11III8< UIlO.n !he I'IopetIy to ...... $uch inspelllion$ and Ie$ls, at Glanton. -. '" Lender may da8m appropriate to determina compIienQI 01 the Pr~ wiIIlthis __on 011/10 Mortgage. Any inspeclio... or ._ mads by Lender $hall be fot Lender's purpOses only and shaD noI be '1QIUllruad 10 ~ any _onsibifdy 0I1fabUIIy. on Ine part 01 LlIndllr 10 Gnll1Ior 0110 GJ'IY alMr pe~n. The I'8p_taI!ons 8nd warranties contained herein I'I8 bQecj on Glanlor's dUB diligellC8 in inV8$fi9a~ng tile Proparty for hazardous waste. Grantor hereby (8J Ill'- and waives any futulll ~III$ against Lander for Indtimnily or eonlribU1iOn in tha avanl GIlInlot beCOmes 11ab18. "" Clllanup or other easls under any suoh laws, end (b) ~ 10 indamniIY and hold harmlass I.lIndat ....t any l\I1d IIlI oJaims. IOssaG, tiabllltie$, de_. penalllas. and Glq:l8r1S1lS wI1ich I.lInder may ~ or indiracIIY sustain Of sufr.t /llSUlnng from a breach oIlhis section 0I1I1e Mortgage or as e COnsaqU811C8 01 any use, genateUQn. nlBIlllflld!ue. storage. disposal. _ or IhrWtenlld re/NS8 occurring prior 10 GtanlOr's own""'hip or lnl8taslln lIut Propwly. whelhat at not Ihe ........ _ or $hQukj hew baen ImoWn 10 Gr.InIor. The proIIislons 01 ihIS saction oflhe MQitgafle, inclUding lha obliglllion to ItIdemnifY. shall $UMve tha paynlet1I Of IhII IndIIblecIness and !he salislal:lion and -\llIYIPlCG ollila IIan of this Morlgage and 5I1aII nol be ~ by I.lInd8r"$ --r' olGJ'IY _ in 1hII1'roplwly, wI1elIler by IOI1IC:IolWnl or 0IharWise. Nu'-ce, Waste. Grantor $haJJ no! causa. conduct " l*IlIiIGJ'IY lllOSll_ nor alIIIR1il, permit, or $UIfer any otripping 01 or _Ia on or to the Proparty or any portion 01 the PropaJty. WdhuullintiIiqg the gafI8llllily of Ihe r........ng. Grantor will noI rumow. or granllo any oIhet patty the right 10 remove. any tlmbor, minend$ Qrx:luding 011 and \l""j,lllliI. gravel or rocl. prodUCls without IhII prior wriIIen consent of I.lIncler. Removal OIlmpl'Ovem,. Glanlor shall not demol~ or remove any Impr<Mlll1lllll$ 110m IIle Real PtopaJty wUhoulth8 prior wriltlln consent of Lender. "" a condition 10 the I'8moval 01 any ImprolfOlll8nll;, Lenclar may requil'8 Grantor 10 make alY8ngamants SatfllfoGlory tD LoIndat to ",pi""" . _.~ sUCh Improvements willi Improvemenl8 01 at Iaast equaj valua. Lender'8 RIghi to Enlet. I.lInder and lis agents 811~ IIIpf8$lIfItali may enter upon the RIIIII "!"P"rt.r. at elIl8l1$Onabla timas 10 altand 10 Lend81'S in_ and to Inspeot the f'nlpeIly for PUlllOjl8S 01 GranIo(s coJ1\pJianC8 with II1e terms and c:onditlons of this MorlQaga. COllIpJI8dCe WIUI Gmr....-*l.~ Gnlnlor shall prompIIy comply with all laws. o<dinancas. and ragUlations. now or "-IIer in eIIecl, 01 aU governmenIal aulltorilills appie:able to f\le use or 0CCIIpBJlr:y oIlhe ~. Inclucling withllUl 1imiIaIion, the Amerioall$ W"h Disabililias Ad. Grantor may Conlasl in good Iaith IlllY .SUCIJ law. oninanco. or lllpUllllion ~ withhold. comp~ during eny llfllC8Bd!n9. Including appropriate appeal$, SO IQ/l9 as GnmIor ~ noIifiad I.lInder In IOrilIng poor 10 doing SO and $0 long as. In Lend8r's _ opinIOn. L.ender's 1ntares19 in th8 Propelly are noI jeopal~ Lendar may rvquint Granlor 10 post aclequal8 $llCutfty or a surety bond. roasonably $81isfaclo1y to Lendlll', 10 prolecl Lender's i"Wast Outy 10 Prol$ct. Granlor agtllOS llIIither Ie! abanclon n~r laaw una\tlln_ the PropIlrty. Grantor shall dO all _ -. in addition to IhOSll ads (ltI "'" fDr1h above in this seclJon. which from the charactariand US8 01 the Properly 818 rauonabiy nacassary to prolecl and pl'llSGMl the PropeI1y. ~ I DUE QN SALE - CONSatT BY LENDER. LendGt may, at II'! option. ctec:Ianl immedlalal~ due and payable all sum $llCured by this Mllllgaga upon IIle .... sale or transl"', Vlithout the Lender's prior wriIf8n consanti of all 0( any pari of tho Reel Praporly, or any ~ in !he Real Proporly. A "Sala Of 1rlImIel" In88/l$ lIut conveyance 01 ReaJ Property or any tfghl. 1ItIe or intanr5IlIutrIlin; wh8IhIlr legal, llenafic:i!II or equitable: 10_ voluntary or Involunlary; whalhllr by oubighl sale, _. il15l8l1rnant $BIe ~ land contracL contract tor Claa". __ _ with 8 """' ~ lllan Ituae ., . ..I ! II to+ ;v ()' 10 ,~-j rililtii1l.l!l~dl.,I.IH.lllIglJlIlliUIJJ:I~tlIIlIlI_IHIiIiIIIillii" '" ~l"~_~~_ ~- -~ "1_"-""';' ---..;......., illW~~b: 241-~~6~ FINANCIAL TRUST 355 P05 APR 27 '00 14:26 MORTGAGE (CtontinUe'll) Page 3 (3) years, lee5e-opUan corQl, or by .., UlliUnmen~ or 1rBnsl8r 01 any benaliciaJ InlMlst In or 10 any land trust holding We 10 the RealI'rapllriy, or by any oIhet method. 01 co~nae 01 Reall'rapllriy inIllresf. U any Grantor "' a corporUan, parlnenlhiP or timllad IiabifiIy campa!1\', ~ler alGa Includes any cI1anua In oWf1lllllhiP of IIIlII\Ilhan Iwanly-IiIIe pert8nt _) ollhe voIIng SIOCk. ~ Inlerllsfs or Umileclllabii\y company in*-b Qlhe case may be. of Grantor. Howe1<tr, IIis opliQll shaD nQl be __ by Londor n sUCh 8XIlICis8 IS prohibited by /ederallaw or by l'erlm;yIva~ law. TAlCI!S AND LII:NS. The following provisions rel8Bng 10 the Ia1res and IIenlI QIlthe 1'rapelIy... . pari of Ihis Morlgogo. payment. Grantor shall pay wnen dull (and In all -.Is prior 10 ~ III ..... payroll..... IlI*i&IlIIxas, .............. waIer chalg&s and $8_ service ~ .- againsI or 011 IIlX:OtIIlI 011118 1'IqMrty, _ Sh8Il pay wilen dUD II daiIns tor wort< done on Of for seMcQs tendered 01 maleriallumished 10 !he "'-'Y. GnInIor shaI -" 1118 I'IqMrty fnI& 01 alllifms hlMng _tv _ or eqU4llo the InIeresI Of Lena _ !his MorIllIOD, 8llll8llt lor the lIen.of IlIlllls and IISSDS$IIlGIds not due. -' far the ElIislinglndolbf8dn8SS tllI8rnKllO billow. and _pi as 0_ provided In Ille fclIoIMng p&IlIgtaph. !l!.g!d To con_. Grantor may WithhOld payment 01 any laX. asses5IIlDtII. or claim in connection With a gOlld IaiIh dispulB OYM IhII CIllIgaUon to pay. so long lIS Lender's InIIIreSI ib Ihe praparty is not jaopardii8d. U a rlllll 8ri5Ils or Is fIkKlas a tllSUII Of nonpaymenl, 6ranW shall WiIIlin _n (15) days afI8r Ih8lien ... 01, U a !ieII ill filed, Within filta8n (16) day. 8/W Grantor has notice 01 the fiIng. SlICUl1IIh8 disotuuge oIlh1lllan.llI' H reqU8Slad by L8nd8t, deposit wIlb IAnd8t' cash Of a sulllcienl corporate sUlUly bond or olh&r S8ClJri1y sallsflu:lory 10 Lender In an amounl Slllllcienl III dIScharge Iha lien piUS any costs and 8Ilomeys' lees or o1l1er charges U1al cauld lICClU8 as a ....U11 oIa loracIosu,., or ll8I8 undar lI1e lien. In any contest. Grantor shall defend ilSaIf and lender and shall SllIiSIy any ~ juQgmenlb8/0r8ll1llOrc8melltaga/osl Ih8 ProparIy. Grantor shall name lAnder as an addllfonal obligee undof any SIJlQ\y bond ~ in Ihe conlelI~_ Ev1dence Of"""'" Grantor shall upon demand ~ 10 LandIIr ......1""')' _ Of payment Of Ihe taxes or assessmenls and shaD lUlIhorizllllle apprcpriole _1aI _ to daIMlr Iu LandIIr 01 _ ..... a _ _ Of Ihe Ia1res and ~ against the ProparIy . N0UC8 01 ConsItuc'Jon. Grantor SIl8II nOllfy Lander al_ fillaan (15) days befOOl any work is commenc:ad. any _ ... futnIsned. or any _... supplied to lI1e Property. n any machanlc'~ lien. rnaIeriaIm8n'$lien. or oIbar rl8l1 could be assar18d on _ounl 01 Ule work. services, or meI8riBI. end the cool _ $6,lXlll.ao. Gnlnlot rMlI upon raquesl oIlA~det IIlmish 10 Lander advance a$Sural1C8S s8Ilsfaototy to IAnd8t' U1al Grantor <:an and will pey the cast alsuell improve""" . PROPERTY DAMAGE INSUIlANCE. The following provisions ralaling to insuring Iha Properly... a pari OIlhls Mortgage. M81ntenance 01 1__. Gnlnlor Shall PfOCUI'G ~ M8lnlain pcIIcIes 01 lite insllran:e with standard lIldandad .....lBgfI andDrS8lll8nls on a .eplaCllllllll1t _ for the filii i_Ie ...... -119 ~ 111lpt'OYGd1On1s on lhe RealI'rapelIy in en amount _nl to avoid applil:allon 01 any coinsul1S/lG8 dausa. _ _ a sIandard 1JIOrtgao-$ in favor of L.er\d8r. GI8I1Ior shall also ptOCUfO and mainI:lin CDIIIllllIbansiw galMl/1ll liabiily il1SW1lJlC8 in such """""'8" arnounls as IllliY nlqUI1!it willi TtIlSt8e and Lander beinG named as addilional insvleds in SUCh Iiab~ity insurance ~ Additionally. Grantor shall maintain such _ inSUIllnc8, int;IlIIjing but nol tirnilad 10 h828rd. business inl8truplion and boilal Insurance as Lender may requite. POliCieS _be .. by such insurance comp:u1ias and in sucb form as may be reasonably acceptabla 10 Lena. Grantor shaD daIivBr Iu Lender C8IIiIicala$ af fD"8IllIl8 from each InslJtat contafnI"ll a stipulation thai ~ wiD not be cancell8d or diminished WithOUl a minimum 01 ten (10) da'fl/ prior WJjIl811 noliQe to l.Bndor and noI contalning any dfsdl!irnar of the insurer'S _illly lOr failure 10 give Sllt:l1 nolit:tl. Each inswance policy also shalllncl~ an endoIsemenl providing ll1aI_ga in favor of Lend8t' will nol be Impaired in any way by any act, om...ion or IlefaU1l of Granlot or any qlher p8lSOtl. Should Ih8 Real ProparIy al any time bac:ornB '-Ia<lln an area daslgnalBd by the llirwlot of the Fadl!nll Em8llJ8f1CY MllnagellUllfl j\gBncy as a spacial floOd hazard ..... Grantor agr_ to oblain and maintain Fed~aI Rood Insuranca, to IhB _ such inswafICII is requi!f'd by LIlI1cI8t and Is or bacan1as available. tor IhB term oIlha loan and lot the full unpaid principej.balanae of lhe loan. or the maximum limit of ~ IhaI is -. wbiChIMlr is lass. Appllcatlon Of PnIcaecI& Grantor shall promplly nptily Lander cI any Io6s or .-..- to Ul8 Property W the 0$lIma1a<l cost Of repair or n:plal:amBnt _ $5lJO.ca. Lander may make ~ oI/Q5S ~ GI8I1Ior laiIs 10 do SO willin IiIIeen (IS) daYS Of Ul8 casually. Whelhet or nol Ltmdar's SlIGUri\y is impaired. Lander may. at iI5 ~. apply Ih8 ",_ to Ul8 redUCtian 01 the Indobted-. _I Oleny lien aWn; Ihe Propetly. or the restoraIion and repp Olllle 1'roPe\IY. IlIAndar _10 apply Ul8 pnx.d51o IB5loration and repair, Grantor shall repqir llI' replace the dalll8ged or cIastroyed Improvements in a:_ saIisIacIory 10 Lander. Landar shall. upon 5lI1isfa<:tOfy proot 01 such expe~dfture, payor I1Iiml>\lm8 GranIar frOrn the PfQtlIBllS Iof Ih8 ~ cost 01 repair Cf leSIora\lon ~ GtalIIor Is not in dGlaUIII\enSund<lr. Any procaeds which hall8 not b.n dhlbul1lld Within ISO ~ after Ir,arr .-pi and whiCh Lendar I)as not commlfled to the repair or restoration of Ul8 Proparty shad be used flrs! 10 pay any amount owing 10 L8ndllll und8t' this Mortgage. Ih8n 10 prepay lCCIUed inta-. and tile remaindGt, Wany, shaD be appliad 10 the principal baJanca oIlhe Indabllldfttl5S. ~ Lender holds any proceeds alter payment in full ollha Indebted..... such proceeds shall be paid to Grantor. unexplreClt_ .. Sale. Any unexpired iftSllllln!:e shaD inure to Ih8 b8nafiI 01. and pasS 10, Ih8 purchaser 0I1h8 PtOparIy covarad by this Mo~gage al any _'s saIa Q' other sale held under 11- provisions Of IhiIl MorIgage. Q' at any _ saIa Of such Property. ~ wtIII Eld8IIIl8 I~ During !he period in wticb _ EloisIng Ind8Il_ deSClibe<l baIOW is in e118G1, COIllpIianC8 with lI1e InslllllJlCll provisions conlained In Ih8lnstnlmenl ~ such EllisIing Indebtednass sbaI collSlilula compjlance willi the insuranI:8 proviliians under this MorIg_. 10 "'" _I compliafICII With IhIll8l1ftS of this MOItIlfI98 would constIIUI8 a clupllcation 01 insuranca lBquirBm8nl. II a~y pr_ from the insul1U1C8 becoma payable on 105s~ Ib8 pJO'lisions In this Mortgage for cIMsIon Of l)IOC88ds shall apply only 10 thlll porllcn Of the proceeds not paVable to thIl hOldar oIlha Elcisting Indebllld...... .<1''''' ...... I _~ Gra"lor'll Report on Insul'lllllle. Upon requesl cf La~. howevar not more lhan once a year. Grantor shall futl1lsh 10 IAndor . rep~, an aach I, ellislln; polley Of Insurance showing: (a) Ih8 name Of "1e insumr; (h) Ih8 risks insurod: (e) Ih8 amount or lha polley; (d) tile proparty.lnsUl1ld. lho I lhen cuntlnl rapI8c8nl8nl vaJua of such properly. and ,the mann~r 01 determining lhol value; and (e) Iha 8l(pilallon dale of the policy. Grantor shall, upon IBqI,llOI 01 lender, haw an ind&p8ndanI ~ 58Iisfa<:Iory to Landar delemllnalh8 c;uI1 valU11lBp/al':8ment cast oIlhe I'roparty. ~ EXPENDITURES BY I..EIIIDER. II Gnlnlof I8iIs to comply wlt\1 any provision Of this MOIlgage. includiftllany obflglltiOllIO malf1le1n ElcisVnglndeblednass 01" in gcod standing as lIIIlluinld balow. or. any adiOn or ~ng IS COIIIlII8IIC8d U1al would rnaIarialIy """'" LancIIO inteteslS In the Properly. lendar C on Grantor's behell may, but sheJI not be requir8cl1o, fltk8 8I!Y _ U1al L8ncIIlr dIl8ms 8JlllftlllIfal8 Any alllOUIll U1al Land8r lllIPllnd$ in SO doing will bear Interest allhe rate charged under the Note "- Ih8 . inc;l.lll\ld or paid by Lander 10 1118 _ 01 ~ by Grantor. All sucI1 expenses, al ;i! Lendar's apticn, will (a) be payable OIl demand. (h) $d8d 10 1118 DaIllnee of IIle NoI8 and be apportio_ among a~d be pa~ with any ~ insIaIlmant paym..... to b8cama due duling Bither (i) Ul8 of any applabkl lnsura.1IC8 policy 01 (ii) Iha remaining term of the NoI8. or (e) be treated as a baUoon payment which will be dUll and pa e el lIIe Not.'$ maIuri\y. This MorIgage eIso will S8CUIll payment oIthaoe amoUnls. The ~h1s provided for In !his paragraph shell be In addiUon to an. y other lights or any .....edi8s Iu which Landar ma.~ be enVUed on accounl oIlh8 de1auIl. jilAny such lIcIion by Landor shall nol b\l QOr\Strued as curing 1h8 _ull so as to bar Lender from any remedy thalli 01hB1W1llIl would hew hed. WARRANTY; DEFENSE OF TIn.E. ThQ 1oI1owing provislo"!' relating to ownership of the Properly... a p8l1 01 this MorI_. Tille. Grantor warrants IhaI: (a) Grantor holds good and markaIobIot title or /1IGlI1d 10 Ul8 PropGl1y In ,. simpla, _ and clear of all liens and encumbrances oIhGt the" lholla seI fo1th In lhe Real Properly descripDan or in the Existing Indabledntlss secIIon below or In any uUe Insurance : . polll:y, IiIle report, or finIlI tille opinion IssII8d in favor of. 8JId ac:eepled by. l$lder in c:onnocllon With this Mortgage 8JId (b) GranlOr has the lull rlghl, _. and autharity to 8lOlCutu and eleIMir Illis M0t1g8llB Ia Lender. . Derense or Tille. Subiec:l to the IIllIlePUOn In the D8IlIlIntp/lllbave, Grantor _ and will Ialawr dafend the IiIle to lhel'ropflly agaiJlsl the IalVlul claims al all peISQ/IL In the lNllIl! any aeIfon or JlQlClllldl/Ig is __ thai quasflllns GnInla1's tiI!t or the i"",est of Lander under !his Mortgage, Grantor sh,d dBIl!nd thlIlICtian III Grantor'$ IIIql8RSIl. Grantor May be the nominal P8IIY in suaI> P/'OCIIIlding, but l$lder Sh811 be enllled ... par1Icipata In the ~ !Ind to b8 ~ In the P/IlCllIII:ing by CCHmlil!I of l..endirs own ~ and Grantor wlU deliver or caUll8to be delIWlnld, to Lender Suc;h inslnIlIlIIIIIS as l.andar may ~ fnlm line to lime to permit suaI> ~Iion. . Compl_ WllII ~ GnInlllr wan'DIIIs thallIIe Propolrty .-cI Grankrs use ofllle PrGper\y complies With all eJdsliny appllcallla laws, ordf_. and nlgU!da/15 of govwn_ autholilles. EXISTI~G INOElII....Nl!SS. TIle foIIawtng provision!; ~ llldstil1ll indebladna!ls (tho "ExIslIl1lIlndebted.....' IlfG a perl 01 Ihis MOt1glll&. EldSunIl LIen. The lien of IlliJ MorIIlage llIICIIItnq the Indebtedness may be SGCOndary 8JId Inlarior to 11II exIsIIng Iie<L Grantor-'y _IllS and sur- to pay, or _10 the payment Of. lhB Existing Indllbtedness and 10 ~t any deI8uIl on ....h indebtedness, any defeull under tha instruments evidencing suaI> indebtedn..... or any daIIwII undel any S8CUri\y doc_lor such Indabladness. DefauR. ff lhB payment of any i__ of prinaipalor any inlel\losl on the E1i8ting Indebl/ldl1llS$ is not _ wiIllin the Urne required by the nata evidencil1~ such indebl8Clnalls, or shOUld a dIllaulI _ under IIIe InsIrumenl securing sueh indablednass end nol be cured during any appleabll ~ period lhereIn. Illan, al the aptian of Lenoer. Ih8 Indebtedness SIIl:Ilrad by IIlis MOt1g_ shall '*oma immadlalely dUll and payable, and this MorteaGe slid be in default. . 110 ModlllC8lkltl. Granlat $hall not enler into any 8QlDDo'l/lod with the holder 01 anylllCll1goge or oIller securily a_enl which has priority _r IlliJ MatIgaga by w/lich IhIIIlIlIreenMlIllls modililld, _dad, extended, or "'""'*' wllIlollt the prior _n c:onsanI of Lender. GrBnlar shall nailll8r llI<1uest nor 8cQIplanylulure advances _ any $UCII security IIlP'lGlI1GRt VIilhaullhB prier WrillDn c:onsanI 0/ Lendar. CONDEMN.A11ON. The lallowil1Q pro\llsions reJaUng I.. ~nallon 01 the Property 8r8 a perl 01\111$ Mortgage. AfIII/lcallaIl or Nel Praca "- II all ar al1Y part 01 thelPropQrty is condetnnacl by eminanl domain ~ngs or by any pracaedlng or pun:h8se in IIDu Of condemnation. Lander 'll8yat ils ~ requirB Ihql all or any Partion 01 Ihq nat Pracead& oflhe aWlUd be applled 10 th. IndWtedness or the RIplIir or resloralan G1the Pr'ai*lY. Th8 net prpllBeds 01 the aWlUd sh8llmeanlhq aword oller payrn8nl 01 all aotuel COOls. 1IllP8..... and attomays. _ inc<mtd by Lander In connecllan with ~ _ml1lllian. Proceed. 1n1lL. .11 any ptOC8IIdi. "II.. in condemnatiOn is 1UDd. . Grantor s/IaU ptQtnptIy fI!lIiIY LandGt. in -11lI. and Grantor. sIIIlII PlQmplly lake such slaps 8li may be llllC8S58ly to dalena 11I8 actiGn and O\llllin the a~ GI8nIar may be Ille namino! party in such PJOC88diI1ll. bill Lend. 5haJI be antilled to patlIcipaIa in Ihq P'-""II end to be ~ In 11I8 pRlCllllCing by CClIlII5llI 01 ils Own GIlOiCG. and G"Inlor wlIl deliWlr or cause Ia be doIi_a 10 Lender $UCh 1fl5tum8n1s as may b8 ""1U11Sl8a lly rt fnlm timato time to ponnit sUQh partio!palon. IMPOSITION OF TAXJ;S, FEES AND CHAAGES BY GOVIjRNMENT AI. AUl'HORmES. Th8 following provisions relating 10 QCMlnJmon!al taxes. _ and Gharges ani a part oflllis MorlgaQ&: . CUmnt T_ Fees - CJq;rgae. Upon request \"y Lllndel. GI8nIOr sIIIlII exacule SUCh \lCCUmems In addition to IflI5 Motlgage and lake Wha!a-N other acIion is raqUJSlad by l$lder to IJIIf!oICI and llOnlnUIII$ldet's Usn an the Real Praporty. Granlor shall reimbUlllB Lender far 011 taxes, as dllSCrib8d balOW.1Cg8tI1or wiIh ailexpansas jncUR8d in I8c:ording, perIectIng or continuing IhiS Mortgage. Including Wilhout 6milation ell taxes. l88S, documenlaJy .lamps. and alher cI1arge$ tor _ding ... ragislering thiS Marigage. T--. The loIIowing sIIIlII conslilula _ to wllicllll)i5 _;lppJles; (ala llpIIIlific tu upon Ihis type 01 Mortgage or upan lIlI or any perl of lhalndabted..... sacurod by IflI5 MlIIIIlallll;. (bl a spIIfifiG tax on Ilam:M8r wIIich E\amlw... is aulharized or I1lqIIinod to deduct from paymonls on Iho IndallWd..... saclU8Cl by IlliJ type' OfMOftgago; (~l a tax on II1is type 01 MO<Igage ~ a!)8ilIsllllo L.andar or the holdar Of lho NoW, and (d) a $p8CIlIC laX an all or any pOI1fan ollila Indab/8d1lllS$ or on pay<n8JIIs of principal and _ mado by Borrowar. SUbaeqIlelll T-. "any lax 10 which 1111$ - ~pIes is ~d subfaquenlla 1110 date of this Mortgage, this _ shaU have 1118 same af1Dcl os an Even! of DefauJI (OS defil\Gd below). and LOncler may _c;ise any Of all 01 ils available remeditoslor an Evenl 01 OelaUllos provided below unless Grentor aillIer <a) pays the fax belOl8 ~ beco.... delll1Cluanl.... (b) conIesls the lax eo provided ebava in lhB Taxes and UD/1$ slllllion and dapOllils wiIh lender CtlSIl or a sufftclenl CIlrponUa surely bond or olher security salfsfaclory to Lender. SECURITY AGIlEEMENT; FINANCING STATEMENTS. TIIa fallowing provisions I1lIaIing to Ihis MaJlgaga as a _urtty agriIBmonl are a part of Ihls Mo~. ' Sacurlly Agreement. Tltls inslJumanl sIIaII GOnstilule ;I_wily 8gIiIBII18nt to the _ any of the Proporty c:onsliIutes flldllrOOl ... olher p8ISQll8l properly. 8r1d Lender sIIIlII haw all GIllie rights oIa ~ parly under the Unifann ~ Coda as ~ ltam U....1o time. Security IntBnId. Upon llICluasl by t.and&r. GruIar .. BloIcuIa financ:ing -......rs and _ wIvIIaver other acIlan is 1lICl..md by Lender 10 perlacI and COnlnue Lander's saouriIy inlllraslln Ih8 ~ and PersanaJ "'-!y. In _n to recording "'is MarIgaga in the ml properly -. lender may. iii any time 8JId WiII10Ill ~ aulftai>alioft IrIIm Grantoi, IIIe __ c:ountarparls, Copio& '" I1!PR>d\lCIIOns ot \hiS McIrIgage as a tinrllleing stalamanl. Grantor shlllJ rei'l'b..... Lanaer lor all expeRSlllS incunad in perleclil1ll '" continuing Ihls $lIOuri1Y inlol\l$L Upon dafaull, Gnlntor shall assemble IIIe Persono! Prall""!' In a man.... and iii a PlaCIIl1l8SOnably GOnvanianlla Granlor and lendar and m~ke II aV8ilabla 10 Lendar wilhin Illree (3) days after IllG8Ipl of ~ demand from Lander. '/it. or'" MdrQsea, Tho maiUI1Q add_ 01 Granlar (debl\lrl and LenClllr (secured P8rtYl. from which inlormalion concemlng the securi1Y interesl ~1 granted by I/IIIl Mortgage may be oblainad (each os ~utrad by tha Uniform Comman:ial Codel,llta 8li sfaled on lhe fiIllI P8lIB Of this Mortgage. ~ flIR1'HER ASSUfWlCESI ATTORNE\'-lN-l'ACT. The ~ ptGIIislQns _ng Ia IIWler assul\UlODS and alIorn"l'-<n-lacIare a pllI1 ot this .~.: MOI1gage. . FwtIler --. Al any tima, and ;ram time 10 UI!"> upon 1lICl_ of l.endar. GruIar wiD maloI. tll8CUlo and deliVer. or wiD cause III be made. exeGUlIId or dDIiVarad, 10) L.andar or to Lende($ designee. 8JIa IVI10n lUCIuestad by l.BIldet. cause 10 b8 fiIad. reooraed. _d. or ~, Mille _ may be. at such times ami inl8\ICII allices and p!aI;e(s as lander may daam Ippraprials, any Ind ell such mOt1gagas, _dS 01 tnJSt. S8curi1Y daeds. _urtty 8gl'iIBmBn1s. fi~ s_monts. GOlllin_ statemenIs. ifts1rumants or furIItar 8S$uranca, ClllIliIicaIes. and other docum.nts as may, in the .. opinion of t;andar. be neCl8$$/l/Y or _Ia in order to ._to, complal8. p8II8cI. continue, or presGMt (I) the abUgallons Of Grantor and llomlwer u.ndar tha Nola. IflI5 Morlg_. and the ~ Documents. and (b) ,he lions and saeurily interesls c:nJIded by \ills Mortgage on the property, WlU\Ih8I rmw owned or _er ecqu,," bV Grantor. Unless prahibiled by law or IIlIraod to the oantrary by LenClllr In WIIang. GrantQr SIlaUftlImb'"'!" l$lder lor GIl cosls end expenses IncUlTlJd in oonneollon with the I11ll!lanI rafenad to In IflI5p_ph. A~act. II Grantor fails to (IQ any of tha ,~ngs raIaIrlId to in ll1B pt'IICIlding paragtaph, Lander may ao sa for and in the name Of Grantor and al Granlor'$ 8lllJIIR$lI. Far SUCh P\IIPGS8S. ,Gninlor herebY IrrevocebJy appoints t.and&r as Grantor's aUorney-in-tacltor the pu_ oIl1l11king. _ling, delivering. llling, racordfng. and: dGlng au other thiRflS as may be neoessary or llesinlble, In LandeJ's sola opinion. to :/ ; .; - , 1 , , , ;j J ~ I ......:1. ~I~'"'.I~ IIilIH.....,'''"'J-~- Jfil.ltc- 241-0060 FINANCIAL TRUST 355 P06 APR 27 '00 14:27 MORTGAGE (Contlnqecl) Page 4 ~ ..... ~ -- ..', r'1fiMi!l*bL' 241-~~6~ FINANCIAL TRUST 355 P07 APR 27 '~~ 14:28 it ~ ~ /Ia;Ompllsh uie matlllr.i .-enQd to In the ~ _h. ~ 1'EIlFORMANCE. II ~ PllYll all the Inll8b18d1Jl!SS when ClUe, .nd othenNfse per\llnn$ all tile GOUgalions imposed upon Grantor under lhis Mortgage, Umd", sitaR ~ and dllllwr 10 Grantor a suiIabfe ......""0. 0I1hIs ~ and suilabli'lllla~ oIlIlnnination 01 any finanoing S1a\emanl on lIIe avldBlltlInglerlde(sSllCUlily iriterest tn IhII RanIs and tile Personal Property. Grantor wiD PlIl' . permitted by applicable law any raasonable leI'mInation fee lIS delennill8d by Lander !tom u..,..1o time. . . DEfALLT. Each 01 the 1oIIowill\l, al !he oplion 01 '-*'der, sllall_ an 8IIeIll 01 _11II ('&anI 01 Delalllr') undar !hi$ MOI'tgaIJe: DeIaulI an 1_lIh1c1-. Failure 01 BCIrfO_ to mak.any paymenlwtlen d.. on ....Indebfed.-. IlemIII 011 0IJ18I' PavmelllL FlUlure 01 GtanIor Willin .... time requlr8d by Ibis Motfgege to make any payment lor _ or insurance or any alI1er paymBnl /l8C8988Jy 10 pt81Ient llIIng '" or 10 elI'acl dlsllharge 01 any lien. . ComPl__ DtflIulL F81lu181O COIIlply with any OUlBrlenn. obIIgalIon. COVIIlIant or condltion COntained in this Mortgage. tllll NoI8 or in any Of tile Relal1ld Oneumenls. ~ . Ile!alIlt III F_ or T1d1d........ Should Borr_ or any GRlRtor delaull undar any loan, 'lldension 01 Cl8dit, SlICwiIy agreemen~ purcha5e or sales aglBBmen!. or any oIher ~n~ in laver 01 any o!hIlr credIIot at person IhaI may maIeriaIIy alIecI any 01 Botrower's PfClltlrIy or Borrower's or ,ny Gnllrtor'$ &bUlly to repay tho ~ or periamllhoir ~ ClbtiQaIIons under \his Mortgage or any 01 the Related Oocuments. Fltle SlaIuteIIIIL Any wllMlIll\'. ~n or sIaI1lmBnI ~ or furnished 10 Lander by or on behall 01 GnIt1Iot or aOlnlW8r under !hie MOl1g/lge. the Nola or tile A<iIaIed OocIlmenls Is false or misleadillll in any malIlrfaI reGp8d. _ now or a1!he time made or furnished. In.oIveney. TIle dISsotution II' IIIrminslion 01 Grantor II' Botrower's 8lds_ as a going __ tho _ncy 01 GRlRior or BotroweI, tllll appointment 01 a I8ClIlver fat any pert 01 Grantor or B~ pnlIllIr1y. lIIIl' NSiQnrnenl lor the _ 01 CI'Ilditars, any I>jpe 01 CI'Ild~or workout. or the cornme......ment Of any pr_ing under any baFIcy or i_ncy IlIWG by or against Granlot or aDm>_. FOfeC:IO$\lre, Forf8lIure, etc. Com_menl 01 f1lraciIo5unt or _ proceedjf1gs. wIlGlhar by jlldicialllfOC'lflding. self..llGIp.l\lpoS5IIssipn pr any olIIer method, by any CI1ICfllor 01 Grarilotor by!l"! ~ agency again=;! any '" Ihe Property. Howavat, lIlIs sub_on $IIIlI nol apply in Ihe event 01 a goOd Iailh <II\lpuIe by Gi8ntor as 10 IhI' VlllidiIY or rvaonablel185S oflhe ciIim wIIicIl is the basis 0I11lIl _""ore or fOreIuiI\Ire Proceeding, prollidad that Granfat gives Lender wriIle1 nab 01 Suctl claim IUId Iurnishes _ or a surely bond tor the claim 58lislacloIy to Lender. Breach 01 Other Agreement. Atrt bRlllCl1 by Grantoor or ~ undar !he Ie!mG 01 any olher agraemenl _ GRlRior or llorrower anG Lander IIIal is not remedied wi1hin any wace petio~ ~ad _no including wiIfIout limiration any agreument conc:eming any Indebtadness pr oilier obdgelion of Grankll' ll/' BO/f01oVlIl' 10 Lender. -,... existing now or 1&*. EllI$1lnIlI~n.... A default shall occur under Ijny Existilllllndebladness or u.-- any insllUment on Ihe Proparty $8CIlI1ng any E>dsting Indeblednass, or commem:ement of any suIt or olher llIfionlo fdnlclllS8 any I;llliGting lien on lIIe Ptpperty. Even'" AIIeclInIll GU8flIJItor. Any of the ~ng 8'l8hls occurs wflh respeclto any Gll8llInlor oIlIIIl' 01 the Ind&btednass or such Guarantor dies or bac:omes incompatenl Or atrI GlI8nIlIlor revokes any glllll8nJy Ollhe In_...... ImIec:urtly, Lendar in good Iailh deems _Insecure. RIGHTS ANO IlEMEllIES 011 DeFAll.T. Upon Ihe _nee 01 any e...... Of DeIaUilIUld al any time lIomudler, Lendar, at ils OpUOIl, ....y exarclse anyone Ol m<ll1l oIlII8lol1owill\l right!; lIIlll...-. in ackfilion to any QIher rights or _ pnNic!ed by law: " ~ Ilodllbtedness. Subjeclto applicable law. Lender SI\aIIIlIl... tho right at its option withOUlllOlIce to lloml'NIIr lcl doclanl Iho ontire IndablBdfl80lll immedialely due and payable. uee Remedles. WdII ~ to all or any pert oIlh. ,Personal PIoper1y, Lander shaI1 have an lhe right!; and remedes oJ a SIlCUrBd party undor the Unifotm CofllmeteIeJ Code. i ColI"t Rents. Land", sludl hawe 1110 righ~ wI!hoIItl)ollce 10 GrankJr DI BllI1OWlII', 10 lake possession of !he Properly and CCll8Clthe Rents. inoludlng ainOuniS past duelUld unpaid. and apply Ihe lnet proceedS, 0WlI' and above. ... Land81's coslS. against lite. Inclebl1ldness. In I~tlherence of this right. Lender maY reqUire any Ienanl 01' olller user of the Property to make paymenis 01 rani or use fees dkecUy 10 Lender. n Iho Ranis .... collec1eG by Landar. then Grenlot iqvocebly ~ Lendor 115 Gninla's 'lIIcniaY-in-faclto endOlSll Instruments racei...d in paymonllho",oI In the name 01 Grantor and. 10 negotiate the '"""" IUId cpuect the PRlC8Ods. Payl!IarIis by te,,*nis or oIher \lSIUS lcl L.8ndet in reoponse to Lender's demand shaH sali$1y tile obllgalions for which lite pe.1s "'" lII;lde. w/1a1ller or not any proper grounds lot lhe demand exiGled. Lander /lIIlY 8llIIII:ille lIS righlt undar thlt SUbparagreph either i" P8'f'" by agent, or Ihl'llll!lh a.-. Appell", Recelvlll'. Lender shall haw the right to ~_ appoinlBd 10 llIke pOS$8$Sion 01 all Q" atrI pert oJ !lIB Property, with 111, pIlWIlJ" to prof8CllUId Preserve tile Propetly,lO operalB the precedng forec:Iosunt or sale, alld 10 ccIlaclthe Ranis frOm the Propar\yand apPlY the proceeds, Ollllt and above lhe casI 011110 receiIl '. . agains1 the Ind~_ 1I1e racaivet IlIlIY seMI w1thOUf bond ij pltrmilllld by law. La"clG(S righllo lhe appointment 01 a raceMlr s.haII ~ whether or notlhe apparent va!laI olll1e Property exceeds the Indebtedness by a SUbSlanliel ~nl Employment by Lender shall Rol Tualily a petSQIlfrom seriillll as a .-. .0#'.1>- -- I Jucl/Chd FonH;IDIIII.... Landet may GOIein a judicial dalfeoloractolilng Grantor's _f in 011 or any part althe Prgpetly. POSIe$IlIon 01"" PRlIIII1V. For lite PIlIP'*' 01 proc4ring pCS$llSSion Of lhe Praper\y, ~ hereby auIhori2es and empowers any aItorney 01 any ""un 01 record In the Commonweallh al FoInnsylva'1'& or elsawher8, as sIlorn8y lot Lander and all parllOllS cll!imlng undet or through Lander. 10 liign an agreement tor -..u in any competent CO!", an _Ie action in ejel;lmenllot PQS$I$$lOn. of the PRlperty end to appear lor and conIIIss judgment against Grankll'. end against all ~IIS Cl8iming under or lIIr1l1lgh Gtantor. for the IGC01/IlIV by Lender oJ pll5SllS5ion oIlhe Property, VIllhoUl any 51ay oIlIlllICllli. 'on. 101' writen this Iforlgage, or a coPY of this Moagege VllriIi8lI by allide1lil. shall be a sufficianl-..nt and fhenlupon a wrll 01 p......ian may be Issued Iorlbwilh.!withOUI any pltot wrll or proc&8dillll whalsoever. NonludleJal Sale. If permitIBd by eppllcable law. Le..- may forecto$e Granlor's Intereslln aU or in any pert of IIlIl _nal P'opattv or the Real "if: Property by nonjudlOlalllllie. . ' ~ DeIlclency Ju~lll\lflll1. Lander may obtain a jUdgme'1llor any deliciency remalnill\lln tile IndebtednES due to l.Ionder after applicalion 01 8Jl i emounlS racelved from Iba GWc:ise of Ihe rights prO'At*lln lI1is saclion. TeIIlhey II SUfle_. II Grantor relllllinli in pllll58$llion ollhB Propertv alter !he Properly is &Old as provldad above 01' Lender oIheIwise becomes enIIIted 10 pll5SllS5ion oIlhe Property UllOn defauJI 01 Granlot. Giantor shall become a tenant at suflenlJICII of L.andar or !he purchaser 01 1110 Property and shall, at Lender', oplion, either (a) pay a rauonabli'l II'lnlal lot lhe .... 0I1hB Property, or (b) vacale the PropeIIy immlldiately upon IIlIl demand af Lender. . , MORTGAGE (Continued) Page 5 , ~ ~,= ~ - '!/'~i."~' 241-0060 FINANCIAL TRUST 355 POO APR 27 '00 14:29 ~ MORTGAGE (Continued) Page 6 . . ~ 1 I I other """"""'" ......der shall ha.. all other rights 8I!d IlImed1es provided In II1ls IoIOItgage 01' tile Nola 01' awilable allaw or in equily. ll4de or tfte P1IGperly. To tile _nt pennIlt8d by l!Pplic8b1e law. Gmnlor or llanwllr I1Or8by _ any 'I/Id all right to have I/llI praporty marstllllled. In ~ng Ilsrights and remedies. Lander _1l8 fnls Ill... all or any part af "'" "'-'Y 1r;IgeIIlet or separalely. in ana saI8 ar by sepaI8l8 sallIS. I..tlndIw Shd Il8 enlill8d l<J 1li<I"1 any R\IbII;! _ on all 01' any pcrtIon Of l/le PropGI1y. Mob Of ~ LIInder sI18lI'gMl Gnudar /lIallOI1abIe. nolice Of lI1e tIlIIe and plaCe of any p~bIic _ Of "'" P8lsanal Property Ot of tho Umo _ whlllh any priYalll sa/e or olher I!IIDnded dlsposltfon of lI1D Pllrsan8J PnljlIIrty . to Il8 ..cIlI. Unless othDnulse rDqIIlrDd by IlppliCllble lew. tllDSOneblD nolfce shDll.-n nob gMn D1_.... pOllia" blIloIe the time OIl11e SDID Ot dlsposlllon. , WulQr, EIlIcllon Of Remlld... A waMlr by Dny pDIly ol a bnlach ol a p~ 0/ this MllI1Qage shall not eanslilUle" wRiver 01 01 prejudice the party'S. rights ~rw1s8 to damand. S1riCI camplia. neB wiIh 1I1aI pIIlVision or any other provision. ElI!Cfi. on bY 1..DIlder. . to pursue Dny ~ sIhlIf not fl!CIudll pursuil 01 any otIlOr remedy, III1d an 8IllcIian fa """'" __ '" IaJca adion fa perform an ""1iQaIIon 01 Grantor or Barowet undar lhi:r~ _fIu1.... ol Grantar or llarTawor fa Pl"form shaB not alIaot I..endolr'$ right to d-.e a dafaultand exerdse Its IIlJIledles undar this MotIgaga. 'Aitomava. "- ~ If Ll.nder Ins1ltlIles anySUil or llIl1lOl\ 10 -1U1J' alfhe_ a1"*, MClIIQnlI&. Londor shall be _ Ill_ such sum as lhD court mey adjudge _ as ~ raes at billlIIId onlU1J' appllliJ. Wheiher or nallU1J' court don is il1V<lNed. all reasanable _..... ill\:Ull1ld by LIIn!lDo'; thai in l.encfor's opinion 818 lIlICOSSIIY at any tilllD lQr the P/Ofelltton dlls Inl8t8Sl or tlle anfoRlement ol itS rights shill) b8cama apart 0I1he 1n~1~ pay;bIa on damand _ shallle8t inla;est from the dlilDol expenditure unlll'lY/PlIld.at Iho /BIB plOlridad for In IllD Note. \:l<pe1l$8& covenld by thlsp8J8llll!Ph incl_ _ limilatian. _ ljUbj8ct fa any nmitS undl!r IlIlplil>oble law. I..8ncIer'$ ldIomay;' lees and Lender's'le9al GllPllIl$8& whlllhar or noIlhanI is a _oil. including allam8ys' _ for banl<ruplcYp_dinllll (including DIIor1s to mQdfy or ~ any automatic "",y or injundion), appeals and Dnyanticipole(lposl-jlldgmant collacl\On~. tho C<lSl of _Ing RlCOtds, Obtaining UIIe rep_(i11dum"ll for""",""", /BPOIIll~ 'UIVOVO'S' "",oris. and app.aiGal foGs. ond UIIe I..ure.... to the oxtonl ponnitted by IlIlplicablD law. BorrowDl' olSo VIiI pay anr court costs, In addlllon to all 0Ih0r SbrllS provided by law. NOT. lCES.TO GRANTOR AND. 011tEll .PARTl. .ES.. Unless. .PflIDnYise ... . ~.'.. by applicable. . ::C. ..~.notica under. Ibis Moctgag. .. D S/Iah.' .be. . In WIllI. ng and shall ba 8IIacIiW _n aCluaIIy -.cl. or whIIn ~ with a naIiQnalIy ,......,.0....1 . courier. "'. U meiled. stlIlIl b. ctaf!mod DfIecIive whon dapClllilad in. the UnilDd ~ meiI tII$I. cJass.,. 18lIIs!8racl. . _ PClGI898. ,.. .ptGpa/d.' G/lWlDCl to.lI1e ~ S/lI)Wn _ lII8 ,llI!Ulnn. ing Of this MOrtgagB. N'f party may'lilIange itS lldclres$. lQr nqlie8S' ",. this MOIIgIIge by gIviiIg'lCrinaJ WlIIlen nolIQe to IIIe olIter paJ1Ies. ~ng lhallha purpasa oIll1e notice is to chailgD lI1e PI/IY'S e~ 1\1I ccpj!lS of na!iCuS at _ lRlm "'" haldar at any nllll which has priority ""'" Illis MClt1gage, IInd no1icDs pLll$ll8lll42 Pa. C.SA'SllclIon 81"1- et saq.. SIULIIIl8 S8I1lIlll..etlll8!'s adllmsS. as 5hown nsor the beginning 01 this Mortgage. Far notice purposas, GronIOt 811_ to kBIIp ~ i~ alall timas 01 ~ cunent add.... MISCELLANEOUS PROVISIONS. l'he fOIfDWinll millcella..,.... provisialll$....a" pnri dlhis Mortgage: Anlandnumla. This M~e. lllllolhor with IU1J' ReIaIad Documents. l1Qll$titutes the enlile undomanding and agreemenl of Ihe parties as to tho mallonl "'" Iorlh in this McntqlIqa, No *ndlon of 0Ii amendment to lI1i5 Mortgage shBII be ..- unl... giwln in writing and signed by Iha party or patties llOught 10 be charllad Of bound by lI1e ~ or amll1dll1lll1l. Annual Aepom. IlIho Pluperty is usad for p~ oIhDr than Gtantor'$ resioe!Ice, Grantor shaIJ fuMl$h to \.ander. l/ll0ll reqUDS~ a carllllDd slatemant Of not operalIng incoma ......., !rom IhD I'7operIy during Grantor's pIIWIous tiscal V- in SUQb lOtm and dalaIlll$l.ondat shall roqulro. "Nal oPftting income" shaIJ mean all cash l'IlCeipf$lfom 1Ii8 ~ ..... oil _ IIlqlBf1diluras rnadB in cannaction wiIh 1Ii8 _lion of the Property. . Applicable l.INf. Thls Morteaae lias '*" ~ to ~ and _~r..t I!y Landar In lII8 ~1I4Iltb 01 Penonsylv8l1la. This MotIgape lIhaII bll JIOIlemIld I!y and conatrulld In ~ wItb lII8law. of tlle ComIlIonweaIlI1 Of Petlll$JlvantL Cllpllon Haacll. Caption headings In this MotIllI\Oo are for COnlllllllanc& purposas onlY and IU1I not ta ba usad fa inlBlplBl or doti.. tho provisions ollllls Mortgage. ! Merger. Th8Ill ShBII be na mlll\lar Of the i_ OI~ c:reatod by this Morigago With any oIhar inlarost or DSlafa In the Propnriy at any Ume hDld by or lOt tho banetil Of Lender in any capacity, '"'fOul the written COnsetll d l.ender. Muqlple ParlIee; Corporale Aulhorlly. AD obI'~. of Grantor and IlOIT.- under this MortQage $llaI1 be joint and several. and all _noes to Grantor snail meolI'I ~ III1d II'IIIIY GranIrlr. and Ql/allIrIC8ll to a_Shall mean ea<:h end evey Borrow.... ThiS IllOllJ1S 1I1al__ of Iho p&n!O/I$ ~gning bDIoW is lesponsible lQr all obllgalIo In this Motlgage. . Savelllblllly. If a COIHI 01 campelanl j!Bizdictinn fi.ds any plDIIBilln of "*' M/:lltgage to be invalid '" unanlQrcaobJa lIS 10 any plllSOn or clrcumslanc8, such finding snau notlllnder fhat ~n i~1d or unentorceablD as to any other patSOns or clIcu~. If IQasiblo. any such on.nding provision shall be daemod to Il8 m~~_~ within lhBlimils of anIlIn:8libDIIy or VlIIidily; ha_, If t.""oIIanding provision cannot ba so modlllad.11 sholl ba strickan end ail athllr P:~~i,Of"*, Mortgaga in all Olhar """"""" shall ...main valid lIIId 8J1forcaabfa. Su_ and As$IgJI$. Subj8cl to the Umltatlons ~tod in this Mortgage on transfer d Grantcll's Inleres~ tills MOrlgage WU be binding upon and Inu", to Iho benefit dlhe parlill5. lheil heirs. pa":'l11ia1 lepl'DSllnlaU_ ."...,....... and assigns. If OWlIlllShip oItha Properly bDCOmas veslDd in a ~on other lI1arl Grantor, l.end8t. W1'th0llt ~ to Grantor. may _ with Gl1mkx's Suc;t;llllllOfll with refarenca 10 this Mortoolla and the Indabtodll8lll! by way of forb_nee or axtenslon Without -Illl Grantor /ram Iho abflll8tians 01 this MQrtgage or liabifily ~nd.r lhe Indabladness. . r~ TIme Is of tlle Esaence. IU118 is af the .-nee in petformanI;e of lhis MOI1gage. WalVeI$ and OO~ l.encler shaD not ba . to have walvacl eny IYah1s IlndlII' this MOllgagB (ar under lh8 RoIafad Documents) unloss such waIvIlt Is In wtIUng and signBd by LIIndar. No Y or ~an '!" Ihe part d ~r in ~ng ~y right shall op~.,. " wni",,!" 01 sucll right Or any otharright. A waiver by "ny parIy . a pt'OIIISIOI1 oIl'n. MOItgaGe snau not conslilute a Vl8IlIDl'oI or prejydicathe party'$ nght alhorwlse to c1amand sIricl compliance with lhat pro ' 'on or .ny other pRl'lisian. No prior waiver by Landor, nor any _ of daaUn9 betwGOn l.endar and Grantor Of Borrower. shall constilulo a 'VB/" oflU1J' Of LIIncl"" rights or IU1J' ol Grantor or BlIIlIlWtK's abIigaIio" lIS 10 any lutuI'D transacllons. Whonover col$Ull by Lendl!r ill required in lhis MortgaGe. lhD granting of such consent by Lender in any i""-nce shaJI nal canstiluIB cantinutnll coIIBBnltO subsaquentlnslancas ~hetO such collSStll ;s reqUIred. - ! ~~~'-=:::mm~ " i I j 241-0060 FINANCIAL TRUST 355 P09 APR 27 '00 14:31 j I ; ; MORTGAGE (COntlll~) Page 7 ~1edged~~-t""'~lQIot. x ,~a ....-;:'r.;.~ ,: Wlln_ ...-' x Wlln_ r CERTIFICATE OF RESIDENCE I hereby ",.n;1y.lh8Ilhto prQCise addRlSS althe rhOf\g(Igee. F_ T.- Cclm.-,., -. is as hllIows: One Wee! Hlgn Slrvet, ClIrlItIe, PA 17V13 AtlOJl'lft q AVIRt ler MOttglVle STATE OF PI!. ()(\ .~ ~ " led) i t:l COUNTY 01' C oM. l:Je\ In f\ Q INDIVIDUAL ACKNOWLEDGMENT II 1185 I I , NCl~ri3!SI111! A ~-_.... , ',>_.~.... .,.,:.0..',.' 1 Sharon :o..M .....a '1:' l-" '..v- Wes: ?~nr.~'~ ~~~.'. Cv....~;~.:?~~ ;~:..;::. I 'r-oftf:;' C'Oli.",,~;.u~ '.:.~';!~st. .";':'(1, 1'::. :... -:::0 I r~.pPmc'j(Niia/~-a,...ott~"!C!$ On I~...'. '~.'.'.u.'~.'{l._" ..... n.....!,.. .. un~....gneQ Notary PubliC, ~v apJlllllled Ilo8edWy E. Grilli!, 10 tol8 ~nown to be the Illdividwd ~~ In and w~. ...., . . .., ,and acknOW\llllg8(llllat heor\..... olgned the ~ ISI\is or h&r _ ano voIunlarJ act and deed, lot U\e ",..,sand .P~..~. ',., . 'Ji - (is ~?'"''tI!lY-indotllclll_um. ''''k''o1 ',~'")I ,(\A'1 ,19" , ~ ~ '.,fJ~ O. 'I NooJ..1. Resldlngal I'll (Aa :/7'l1r.e .t./fAe rlir/i.s~ tIf l7oi.J ~~~!!~~. SIaIe or ,1/, ()() '\'{ / Va,') III UV-- upIre$ I/prl I I.). 1 '7'<; '1 LASE~89f"aiL(J. tf.,lI: .o"..V..3.19(cJI~CFI~q.re' A1lrlghtlralMa"Vl:d.IP4-G03REGRANT.LNCt,OVLI ~.,.,.-s'~~'rUIf'I'" " " ",;.~ ..... i... ..,.I~'""';.~""'''''''''''' '1 ~~,~'.,'i. ",:r:';'~:~;~~:i> ,..;.> ...., fL ir-o_ :iw\..". V... "0' ..:~.~~. ~....:.-:-~: ~..~:::':.~~"': . . . I.. ;;~.:;... .~." , 1 . t "~i' ~.'~'." - ....,i1...;'A\!anta S5 .. -....... . -'. d . .. I. . ~t !T. '''. :. "': , .. '~~)u-ef'a('\ . '" ~ n ""'b";"~ ",,:,.~ .. . n.....nrdlnc C' -"po;: ~' . O' . .... Jo 'l';~".~ t,..:- tT'3 TvV"''' .. '",.' . ".;.. .' . . . .', I ,.,......~. , i:>~. ;,,'....-.': '.... "'f4;' ,,,j ,.,,'" "",,'.\lltJ\?L . - , '. ':'",,:. iIIllL ," ,," , -':'~ge'~...'" ifI" ';-. . 1'''- '.LC. ,.....\1 -- .-. ' . ."'.. ... ... :..../.;; '3"U >>..ai 0/ Ofht<lt L..:,-.~~,,~:O-J .,1 p I 1\ it~_:" ::;.c:~:- ".' 'nil> day Q ""--1' ~'~'4'~'~ - 2~O /'AGE ~82 241-0060 FINANCIAL TRUST 354 P04 APR 27 '00 14: 15 0tl Y} . ., . . F,ECORDATlqN REQUESTED BY: F_ Tr~Company One West HIgh $_ CarlIsle, PA '7013 WHEN RECORDED MAIL TO: FIIRll.... TnJ$l Company oneWatHlghS1reel CatIleIe, PA '71113 RCZ3.:nr:> i'J::-f'lJ r::" -.. '. """'''--:'' "...;~~OADER OF DEEDS "'v.I.::J~ RJ .\ 1, n nOUN- --......~..rv IY-?A :35 FfB .. 3 Al'lli 51 SEND-TAX NOTICES TO: .IlollelQlY E.. Gr8nt 342 Wallon SInIeI Lemoyne, PA 11D43 SPACE ABOVE THIS UNE IS FOR RECOROER'S USE ONLY OPEN - END MORTGAGE THIS MORTGA(>E SECURES FUTURE ADVANCES iJr< ~ ll-IlS MORTGAGE IS DATED JANUARY 26. ,1995, between Rosemary E. Gram. whose address is 342 Wallon Street, Lemoyne, PA 17043 (referred to ~w as "Grantor"); and Farmers Trust Company, whose address 16 One West High Street, Carlll5le. PA 17013 <,ferred to below Il$ "Le~der"). GRANT OF MORTGAGE.. For vlll_ -. ~tar _ bllI'lIIIiM. ~ ""'"'_ __ -.... rel_ _nns ami morl!lllges 10 Lender aD 01 Grantor's right., lilIe. and InI>l<esl in and to II1e !tlIIcwing _ reo! ~. IDglIIhlIr wilIl all eldsting or subsllquenUy _ .". affllrsd buildi"GSo impr(MImems llI'ld IilctlJres; IiJ -. Ianoo. aIoys, pas:Ia~ and wa)S; III _. righls 01 way. aD _. DrM1egSS. tell8mBnls, _laments. anct appurlonanals Ilhenlonlo be/otl9in9 or anywise mad<> applll1et1l\lll IlenIafI4>r. and IIl9 nl'IOtSlons and nllnaindor.; with ....1"'CI1_; all water. _ righls. watorccur.la5 and dIlch rights [ll1C;iodlllQ slOd< in ulIlilIes wi!h diteh or inigation rights~ and all otller righls, royalties. and ",ofifs relating 10 the 'eaI properly. inc;l....ng without i_n all minerals, oil, goo. gaot_ and similar mattelS, located in Cumberland County, Commonwealth of Pennsylvania (th~ "Real Property"): . I L. Deed Book 3()..E Page 81 Township; e""_Y...~ 0...........<>,.., The Real Properly at its address is commonly known as 342 Walton street. Lemoyne, PA 17043, Grante, presenlly assigns to Landor all of GI1lntc<'s rig/lf, fIIIe, ancl i_os! in and to all _ of lh$ ProgerIy an<! aU Ronls from lhe Pr_rty. In addlUon. Grantor gn,"1s to Landor a Uniform Com......:;ild ere security inIeresI in tho Par:ionaI Property and Rents. 116'INlTIONS. The fallowing words shall have IIle I_fig II1il8llitIilS Wl\etl used in ll1is Mori!;ag... Tenns nOl 0'- c!elin<ld in thiS Mortgage sholl have IIl9 meanings _buled 10:SlJC/llefmO in II1e Unifoan r- Cod&. PJI.-ence. to _ arneunb shall .....n amounts in lawful money of the United Slates of America. Borrower. The word -';!o"ower" mea"" BlICh and """7 person or enlily signing IIl9 Note. including w1ll101Jt IImlfation R. E. Gran! Company,lnc. Gr8ntor. The wo'd "Grantor" means any and all p...,..". atlct enlilies <o<BCuling this Mor1gage. Including without IImita~on all GnlnlO/$ namod above. The Grantor is the morigagor under Ihis Mo~gage. Any Granloc who signs this Mortgage. but ctoes nol sign Ih. Note. Is signing IhiS Mortgage only to gJaI11 and ccnvey that Gl1lnto~s interest in th. RoaJ Property and 10 g,anl a """ulily intaroot in Granlot's inlerest in th. Ronls and P"",o"'" P'operty 10 Landar and is not personally 11ab11under the Nota axcopt lIS Olheowlse provided by r;cnIracl 0' law. Guarantor. The wOl'd -Guarantor"' means and indj withOut limitation each and aU of tha guarantors. sureties. and acccmmodaUon p(U1ies in ccnneetion wilh IIl9 IndobtedneSS. Imll'O"""''''''''- The word "Impr<Mlm8n1S" tIl<lal1$ ;uul indudos wIlI>out ~ .. 0lCisli0g and IuIuI1l improvements, _. bUUdlngo. _..... lWbile ho...... _ on tho RoaJ Prcpe<1y. ~ _ons. mp/a<:8monlS and _ consInl<;Iicn on lI1B Real Proparty. lndellledneaa. The word. "Indebled....... mBlll1ll all prjnoiPal up to $SO,OOO.oo oulslanding undor IIl9 Note at any tirn. ancllnleresl payabl. unda, tho Nol. and any amounts expended or act""ncod by Lander 10 alscllarge obrlgatiollS of Grantor or """"""'" incumnl by Lender 10 anlo"'" obligation; 01 Gnmto, undor l~is Mortgage, 1<lll- wiJh i_os! on suoh amounts as p,ovid8d in Ihi:l Morlgage, SpeciflCl1ly. wllhout limItatIon, lhl. Mortgage """",es a ,evoMnll Dne 01 cndn. "'\'''''' obllllllle9 Lender 10 IIIlIke IldYllll_1o Borrower un_ Borrower lalla 10 comply wJ1h a1llhe lerms 01 the Note and Lender gtves ~ower a noti... of dlJlDtIII. The liens and securl\y ln1o<estS created pu_lo this g-I" ~r'llI"ge coverlRIIlhe Inclobl_ wh&;h rruty be loreaIed In tile futur.. _ n:1aIe bad< lathe d.... 01 thI$ ~orlllllge.. ~: Lendet. Th. wotd "lend.... means F""""", Till$! ColIjpany. ils successors and ~ The L.onder Is lhe mOflgageo> und...lhis Mortgage. ~ Mott!Jll9ll. The word "Mortgago. lIIBlIl1S lI\i$ M~ between GranIa and Londet. anolncludes without mmila~on all assignments and security ~ inlanlSl proviSions relallng 10 II1e Par.lonaJ Prnp<lrty and Flenls. Q -. The word "Nola" moons file ptCmIsso<y nota 4 crodiI agreemonl CSaled Jan""l' :!s. 1995. in the original principal lIllIount of $50.000.00 !>Om Borrow... 10 Lander. logalhB< wiII/ all rene...... 01. _nsiOns 01. mo<lificallons ol. refilUlllCings 01, ccnsollda~ons ol, and il; . substitutions for ltle promissory nOla or _manl NCfTlCI': TO GRANTOR: THE NOn: CONTAINS A VARIAlll.E INTJ;iREST RATE. rtl Per.aomIl Prapetty~ ThQ WOtds "PGtSClna! Property" mBan all equlpmanl. fixturu _ etty now Of hBrsaftet Qwngd by Grantor, and now Of hetellftet a11ached or _to! IIle Real P,operly; lagalh EXHIBIT ctltions la. all replacements of, and all subs1ltlJtions 10'. any at SUCh properly; ancl togethet wilh all proceeds 0 J 73 proc:eeds and refunils of promiums) Itom any saJe or othat disrl_on at lhe Property. Properly. The word "l'ropmty' means coIIecIMJly tho Real Property and tho _ Property. The word:! "FIoaI Properly" mean tho~. i_ and . MoIfgage"$OOtion. Relaled Doc:umenl& The words "ReIaled oocur IlI8Bll and inc;lucle otes. otedil agraements. loan "=,=.",,",,," . -~'II""JI!IIj..lIUH~.-J_III!II,.__ ,- ~ , - -...... ....."._'"'~'~-l!~<; 241-006B FINANCIAL TRUST 354 P05 APR 27 'BB 14:15 MORTGAGE (G:onUnwd) Page 2 . , ag/llGmenls, ~rUllfTllnmental ag/llGmlllls, gU8tllntles. securtty apmenls. Ill/lrIgagIlS, -. of 1rusI. ~nd all other Instruments. apmenlll and dOCUmenlll, Wll8thGr now at helealler 8lds1Ing. eJlllCUI8ClIn conllllcllcn wiIrIlh8 1_18_ - The word - II1IIfIJ1S all pnISlIIII and fuIur8 renlS. llI\IljJlues. income. issues, IO\'8III8S. proIIlS, llJld oIh8f bllll8filS dGiiVGd from tha Proparty. THIS MORTGAGE, INCl.UDhCG lttf:: ASSIGIiIMJ:JiT OF RENTS AND ne SEl;UUTY ..., """". IN liE RENTS AND Pl:RSOIiIAI. PROPERTY IS GIVEN TO SeaJRE l~) PAYMENT OF TIE _.--..sa AND (2J I'ERI'ClRIIAI!Q OF ~ OIllJGATIOfIS OF GRANTOR UNDER nus MORTGAGE AND ne RELATED IXlaJIIEJn'$. nus IIQRTGAGE 15 GM!lI AND t\lXEf'ltoON THE RlL.LoWUIQ TERMS; GRANTOIl'S WAIVERS. GlanIot WIII_ all rights or c!eIensIIs &&ng by I1III5OtI oIltJ1l1 "anII adian" ... "anti-dalicIen law, at any atner law which may PI\l'MIlLllndar fnxn bringing ltJ1lIlIcIiQn agaiI1$I GtanIlIr. inl;luding a claim !Q' cIeIIcIenc:y to Ihe lIlIIlmt Land8r Is _ 8II\ilIlId to a claim Irlr delIciBn!:y. btIIoIIl or lifter Landiit's commencement or completion of ltJ1lI fClfllClosutll acUon. oIlhar JudiclaJJy or by _ of Il powar 01 ""a. G~R'S REPRESENTATIONS AND WARRANTIES. Gntntor WllmlnIlI tIutI: IIlI thi$ Mortgage i$ 8IIlCUted at BQtI'Qwar's tequeol and !lOt al tha requiilll of LIlndar, (b) Gnu1Iar has rm, full powe< and right to enter into this MotlDDlle end to hypolhecallo the Property: (c) Grantor has _Usned adeqWll8 mlllUlS of -..ng fnxn BlltttlWllI' on a continuing basis Infcrmation aboUt BCItI'llWGI's ftflllllClal cO/ldIUon; and (d) Lander has mada n. IIlPltIS8l1fatlon 10 Gtantor aboulllon"ower Olldudlng wltIloullnlllaVon II1e C8diIIva1hinoss !lI1Ionowoo~ PAYMEIlT AND PERF<lRMANCE. Ellcept as oIIIerwfse plOllided in lIli:i MorfgagIt. __ .,.. pay Ia Land8r all 1__ SIICllI1Id by thi$ Mortgage as ft _due, and _ and GntnIar.,.. sIticlIy....,.,.... all thair~ GbIigations under this Morigage. l'OSSl:SSlOll AND MAJNTeiANCE OF TIE fIRIlru<,.. GranIor and _ &gnl8 thai GI&nto<'s cc nllSSi"" and use Of the Propetly sl>aII be 90_ by the fOllowing pnMoions: PonBMlOtllll1lll uee. Unlllln delauft. Grantor may remain in pOSSlISliion and conlrol of and operata and manage Ihe PI'opetty and collect lhe Rents from Iha Property. Duly III MaIn~n. Grentor shall maintain Iha I'rDJleIli in Iananlabla conclition and promplly perform DlII8p81rs. replacements, and maintenance I1IIC8$S8fY 10 P'-"lI it$ value. ! . lfa2ardoua SUbatancee. The !arms 'I1azBnlous wasljI.' _us sub$Ianl;\I; "di\poIsaI; "raIeae; and "threatened telease,K as used In Ihls Mortgage. .halI hall8l1l8 SIIJ118 .....,;ngs as oel_ i~ lIl8 Comptehansive EnWon-*d Response. CompensaIiQn. and UaIlililY Pa of 1980. as a_, 42 U.S.c. StJcIian 9601, eI seq. ~,. hi Superiund "-'dmanIs and RoIaIllltoriza1lan Act cI 1!18l1. PtJb. L. No. 99-499 C'SA!lA"), the Ha2ardous Materials Trensporta1lcn AcI. f4!l USe. Sedion 111I1. tIl_ .. -.-.. Ca_llon and -.v Ad, 49 U.$.c. til8ction 6901. Gt seq., at olhet appllcablll _ or I'pllI Ill.... ...... or ~ lIdoplBd IIlQUanIlo any 0I1he flnllaing. The 1anns 'hazardous WD!JsJ' and "huar<I0tlS 9ubolanI:&" _ .... indudlo. wi1houIlirniIaIion. ~ and peIroIeum by-products or any ItaCIion Ihereof and asbesloo. Grentor rep_ and _ Ia Latider thet la) During the ceriod 01 Granlor's ownete/lip or the Property. ther8 has been n. -, !lIIneration, menu18dul8, slar.\llll. 1raalmen~ dilpcjsaI, reIeaw or lI1reatenad _ of ~ _aus waste or ._nee by any parson on, under, or about the Proparly; lb) Grantor has no kllCl'fledge or, or f8DSOA to believe IhaI thare has _no 8llC8Pl as pnwto~ disell'l8d 10 and aeknowledgad by Lender In wrillnQ, (I) any use. Q8IJ"'81ion, manufadUtB. sIatagoo. lI\lIllment. dlsposaI, 1IIIaIIw. or threalened ra/aaIa of .ny -_.--.....~r.~-. 00.._.__._....._ any person releUng 10 _h mailers; and (el Elr(:apt all pr8"iously disclosed to and acknowtadged by Lanllar In wrilIng, 0) neIl. her Grant. or nor any lenant. con_. agant or oIhar dQti2Qd ~ .1 the Propedy sl>aII use. genanlIe, manlllacture. store. -. dispose of. or reIeaw any -us WII$le or subs....... on. undat. or _ PropetIy and (n) any such adMly .haD be conduc;lad in complianca with all appl_ flld8tal. stale. and local laws. RlgIIIatiotls and' inducing _ _ ....... Isws. l\lIlulalions, and ...~ described above. Granlor<ll~ Lender Ilnd illl ll!l8nIlI to enter UIlCf the Progerty to maIt4 such iIIspeclions and Iasl$, at GtanIat's 8lql8IIS8, as Lender may deem _riafBla _ C<IItIp/ianclt or the PropjWtY with IIlis sectlon of the IoIOI\gDge. My .~Ilo"s at _ madu by Lander sl>aII be fat I..8nder's purposes only and s/laIl noI be cot\sttued ..~ ~e any resplll15ibililY or liabililY on Ih8 part or Lendor Ia GnulIor or Ia any oIhar_. Tha re_nlallons and _.ties contained _n ~ based on Granlar's dwo difig..... in invasfigloUng Ih8 Properly for -... wllS1il. Granier hereby (ll) releases and waMt5 any futuro c:lfi1115 agoinsl Lender lor indamnity or con1ribution In the ""ent Grantor bocolTlllS rrabla for cleanup or Ol!tet. costs undet an~ SUCh laws. .11<1 ~) tI8S Ia indamllily and hold _. la.nelet against any and all dai.... _. IlabQilios, dalt1llll85, ponaIlIas, and expenses whiCh Lenller may reclly or IndIrecUy sustain or sutler resuldng from a breach 01 this sactlon or the Mortgage or as Il consequence 01 any use, generation. man . storage, disposal. re/ease or threaleMd _ OCCllrIIng priOr to Granlct's ownamhlp or Interest In the Propetly, whemer at natlhe ....... or shc)\IId ha"- bean known 10 Grantor. llIe ptOIIisions or this section 0I1he Mortgage, Including the obllgallon to indamnify. shall sunri'ole payment 01 the Indebl8dness and the setIsfaclIon and teCOnveyance 01"'" lien 0111118 Mortgage and shall nol be alfecl8d by Lendet's aeq~ Of any inlenlsl in Iha PropetIy, _ by fllllldDsunt or olharwis8. Nll'-, WMle. Grantor sl>aII not callS8. wnclucI " pamIt any rwisancB "'"" commif, IIIIfItIiI, or sutler aJf'/ sfripping of or waste on or 10 thti Propetly or any porilon of Ihe Ptopeo1y. Wi1houIIimifiT.!.1ha g&IllIIlIily 01.. fOlllllQing. GIanI... will not remove. or granllo any other cwIY lhe right 10 reme.... eny timber. minetals Ollduding oil and r)' soil. gtavel or leek producls w1IhOut IhIl prior _n consant Of Lender. Aemovlll of lmprovemenla. Grantor shall noI ~remo...ltJ1lIlmp.oveman'" from the Real Properly wilhoul the prior wlitlen consenl 01 Lender. As a condition 10 the removal or any Imp , Lender may ""luire Grantor 10 .- 1tIl8I1!l11man1s 5111is_ry 10 Lunder 10 replace such ImptOYllments with Improvements of alleastaq val..... "~.. lende"a RIghi III Enter. Lander and lis agenls an~ rep"""",1a1Mls may anlar upon tha Real Propetly at olI _nable limes to alland 10 Lelldar's in_ IlI1<1 Ia il13pllCl the Properly for '$01 GrMtcr's compliance wiIh the Ietms and condlllons or this Morlgage. l!2 Campllance wlm Gov_ IlCqUl....cnla. sl>aII jltOItIpI/y comely with olIlews. ordinances.. and l\lIlulalJolIS, now or hataIllIar in ~ _. of all govam....ntaI auIhoritielI applicable 10 use at 0CCIlp8lICy 01 \Ile Properly. Including w1InOUl limitallon, \Ile Am8llcans WIIh ~ Disabilities Al;t. Grantor ItIIlY c:onteslln good faith such law. ClI'dnanoa. at regulation and wIlllhoId complienc8 during any proceeding. t" including approprtate appe&Is. so long as GnmIar9 nQtiIiad Lender in writing prior to cl<ing so and so Jong as. in Lendor's sole opinion, ~ ~ender'S 1nlDres1s In the Propetty .... not jaopar . LIlnd8r ItIIlY reqIQ Granlcr to posI adequate security or a surely bond, _oJ1llbiy C satilfaclary to Lunder. to prol8cl Lender's Inlettlsl. ;'$ DUlY to Protect. Grantor agrees neither to ab!,!d~_np'r lea... una1leo>ded Iha PropGt1y. Grenlor shall do all olher ads, In addition 10 Ihosa ocls ~. sellorlh above in Ihis _on, which from ."" o~atld use 0I1he Property lU'e tIl8SOtIably n-.y to p'oteolllftd prose.... lhtl Property. DUE ON SALI:" COIIISEIlT BY LENDER. Lander may, al ~ option. _lmmaClial8lY due and payable all sums secured by Ihls Mortgage up.n lne ~ ""'" or lnInsler. without the Lendao's prior wrilIen co_ntl aI all or any pen of 'ha FlaaI Ptoplll1y. or any interest In lhe Real Propetly. A...". or - llllnsfer" moans tha co_ of Real Properly at ltJ1lI ~h1. tiIIe or inlalllSllherein; wh8Ih8r legal, benoticilll or oquiblbla; whalher voluntary or l/fI; ~nvnlunterr. whether by outright sale. dead. inslallmanl saI8 Conlnlcl. land conlnIc!, corm.ct lor deed. leasehold in....., wi1h a I8fm greaIet then thtato (3) years. Jeas&.opUon con1nlcL at by saI8. assignment, or ~ of any Illlnefil:ioI _In Olio any lencllrusl holding 1IIla to the Real Ptopetly. or by any other f1TllIhoCI Of con\lllyallOil of Real PropaJty __ W any GranIot is a CllIpOIalIon. ~ at 8m1led ~Iy comPltJ1ll, 1nInSfer llIso includes any changa in ownarship 01 mora then twenl)'--llve !l-' (25'110) oIlha voIing slott. parlnlnhlJl .._ or Iimilad Uablrdy company Inla.... , ~N'''''''- " ~,-- " ilIilIH - L~~.r",' 241-0060 FINANCIAL TRUST 354 P06 APR 27 '00 14:17 J' , MORTGAGE (Continued) Page 3 . . as I"" case may be, of GnIntor. However, this opUon shall not ~ -as..d by l.encIGr W such -as.. is prahlblled by fedenlllaw or by PennsylVania law. . TAXES AND WEN$. The fOlIoWlng provisians _9 10 1he taxas GIld liens on lhe ~ are a pari of this MortIJ_ ...,ment. Glanlor shill pay when dllll (and In all 8VeJ1!s prior to dlllilKluency). all taxas. payraII taxas. spacioI taxes. _mania, water cluIr\lIIS and sewer IlBI'Iice chaIges ""'d 8lIIlinsl or on llCCOIlnt r:J \lie "'-1Y, and Shall pay whan dll8 II dIim& lor walk donIi on or lor senric:eIil rendered or matBriallUnlIsIlllcIto \lie PrqlorIy. GaInlor Shall msintllin. \lie "'-1Y IiB8 of all liens haWIg priority ovar or \ICl"*' 10 lhe Interest of LendBt' under Ihis MortgaQ8, eapllor lhelien of _ and ,...lIs not due. and IIIICIlIlI as aIhelwise prOIlided in \lIe!QJlOwing paragraph. Ill(llll TO Conlell. Grantor may wimnllld payment 01 any lax, .............nl Of Claim in conneeIion _ a good_ dispute over \lie obligIdian 10 pay, so long as L.IIndeI's lnlarGsl in II1III'rq>orly is not jeopardi:l8d. II II lien ...... or is filed as 1I'llIiulI Of _ymenl, Grantor Shall wiIhIn filtaon (15) _1IlIar lh81lan l!rIses or. Wa flllll is filBd.'wilhln fifteen (15) daYS aIIlIr Glantor II8S noUce 01 \lie filing, SIJCUI8 me d~e Of IIIe Ii4In, or W reqtlesled by Lendor, d8pOsIl willi Lender C&lIh orllSullic.i8Jlt COfpOIllle surely bond or _ securiIy sa\fslaclory fO Lendor In an amount sulfloiljll! fO discl1aIGS "'" non piUS /lilY costs and allomays' _ or olI1er ehatges thai could BCCrU8 as a IIISUIl Of a 1or8c;l_ or sale underllle fraIL In lIlIy CllIltest Grantor shaD clBIand 1tsolf and Lender and Shall satislY arti a_ludgment beIonJ on!llrll8manl againsl the Proporly. Grantor shaJI nama Lender as an adclilional obligee under IIIIl' surely bond fumiShod In 1118 coIitesl pI<ICG8dings. ~ 01 Parment. Grantor Shall upon demand fumiSlllO Lend" w~. ,', y _ of payment 011"" ..... ..- _nIa and shaJI aulhorim tlte IIlIlropriale govemrnenlal _ to deIiwJr to L.IInder at IIIIl' lime a _ __ of thG """'" and _nls ageI...1 111II Property. N/IIII;O 01 ConsInIclIon. Gnlnlor shd noliIy Lendilr 1Il1easl fifteen (15) days beIonJ lIIft wok Is COII1Ill8IICIId any saiw:es are fumlshed, or any maleriU are aupp1lold to lhe Properly. ff any ~ 1!8n. malefiaI""n'slien. or ofhor Ii!In <:ould be asserllld on aoc:ount ollila work. S8IVIces. ot malIIrIaIs end 111II _I _ ~,QOll.CXl. GnWor will UPon 'equasl cI Lander ""'""" 10 Lender advance assu"""",,, salIsfacloly 10 Landor lhaI Grantor can and will pay lIIe cost of SlICh Improva1"nls. PRClPanv DAMAGE INSURANCE. TlIe loIIowing ~ I81atinglO insuring 111II Property "'" . part of lhiS Mortgage. MlIIn"- 011d8W'llllce. Grantor shall prOl;Ullj~mainf8in pollctes of lire insu___ witlt s-.1_ndlld coverage endmsBmanlS on a raplsco. "",nt_ tor the lull insureble VIIIUe c:own.. '.ng all. Improvements 00.111II ReaJ Property. .in../lIl amllUl1l Sulficielll.. to. avoid _'. iClltIo.'. n of. . arti colnsuI8nco eI-. and with a standard ~ in favor 01 Lentl8r. Glantor s/IoII alao pRlCUIlI _ maintain comp~ lI"i1onII liability Insurance in aud1 coverage amounls as may request witlt TIUSI88 8Ild Lender bei"!lllllRl8d as IlddillQMl il1Sllreds in such liabi6ty il1SUllUlCa pctIcies. AddIIlonaJly, GranIIlr shIIII mainlain such olIler 111$_. indud"1I1\I boll1Ollirnllad to huuO. bll&inesa inlarrulPllan and bailer inaunuu:e as Lender may require. PoIiciIIs shIIII b8 ~ Il\' such insuranr:lI compenioJs all!l in such Iotn1 as may be reasollllbly eccap_ to Lender. tirank>r shIIII o:l8lMlr to Lender cati...... 01 ~ 110m """" insurer c:on!aininIl a slipu/aliCln tlt8l CO\IlIl'8QG ""ill not be llIlno8il8d or diminished wiIhool a minimum often (10) days' ~ .=' nolic8toL.llnder enclnal CIlOIaining any disd$i1ll8l' orllle Il1SIlftl"$liabi/iIYfoc failure to give SUCb 'nollce. each II1SUllIIIC8 policy alao shIIIIlncI an endorsemant lHoviding IhlIl tlO\II(/l98 in favor of Lendlllr will not beimjlaired in any ~ by anx ad, omissiOn or delauft 01 Grantor "'1IIIl' per.;an. Should thG ReaJ ~ 1Il arti tim8 become laeatad in an area designated by the CiracIor 011"" Fadllr8l Emergancy t,(aflllQ8n181" Agancy IS a specialllCOd h8zard 'area. GrIIntor~.- to obtain and rnainlllin Fod8t81 F1llOd Insurance, to the ......nt such Insurance Is requiJlsd by Lender and.is or _ available, lor 1ha tenn 01 the loan and 10' 111II full unpaid prilU:ipal b_ 01 the loan, 01 Ihe ,"","mum nmil of e lIlalls availabla, w_ is loss. Appl_ 01 ~ Grantor shall promp1ty otily L.II_ of any Ia5s or damage 10 ilia PrOperty II the eotlrnaled _I or repair or raplacamant _d5 SSQO,OO. Lender may make at loss ~ Grantor .. to <to ll\I within _ (15) Clays of thG casually. Wh8lh8r or nol ~ancleI's seowUy Is 1mplIirad, Lender ....y. 1Il i15 _ apply lIIe ptOCGQds to !he lIIdodion orlhe InClebleclness,paymenl or any lIan a\I8CtIng 111II ProplerIy, ocll1ll RlStotafIon /lIlellllpair oIlhe .. . R Landor _to apply the ptoceads to resIondiotI ana Illpair. Grantor shaD repair or raplal:e tlte damag8d or dGslroyed I~mants in a _ ...~ to Lender, Lender shall, upon IllIIislat:lCrY JlIOOI of SIId1 expondilUra. pay at reitnbum Glantor rmm the proclIOjdS lor the ~ cost 0I1llpair Of ~n ff GtaI1lOr Is nol in daIaUIl henlundor. Any proceads wnlch have nof baen ~rsad within 180 days aIIlIr I\IIIir racaipl an4 wi1lCh Lende' Ila$ not l;Ommil1ed 10 me repair or reslClI8tion 01 "'" Proporly shaD be used Iir$lIO pay IIIIl' ","ount owing to ~ unCle< this MOflgag8. tlIen 10 prepay 8CQ'UIld InIOIllsI, and I"" I1IIIIlIinder. W any. shall be appllad to thG principal ballll1Cll 01 the Indabladness. i L.IIndet holds any proceods aIIlIr payment in full olll1lllndabladn.... sucll prcceeds $hQlI b8 paid 10 Grantor. UnellpI'" bl$Ur8IICe 1Il Sale. Any unexplllKllnsu~};hall inlJl8 10 lIle h8/lIlfil cl, and past; to, the purcllaallr cf I"" Proparly oovvllld by tlliS Mortgage at arti Iru$lee's .. or _r sale held undar I..... provisions 01 this MoIlgaga, or at any lor1lclosure sale 01 such Proparty. Granlor's n.por'I on IlISIIrance. Upon r\lCluasl 01 Le\lder, I1ow8wr not mora IIIan onca a year. GtaI1lOr ahaB fun1isI1 to Lend" a raport on _II exislfng poliCy 011 illllU/1lllC8. allOwing: (e) the nal1l8 01 q.a insurer; (b) the _. jnsurecl;.. .(C) the.. l\IIIOUI1I Of 111II polier. (el.) thG property. . insuted. I"" Ih8I1 cUl'I'erII replacamant value 0\ such pmparly. llJ1CIlthe _ 01 defarmining tlt8l value: 8/ICl (e) thG expiration dale oflhe pdicy. Grantor shaD. upDll mquest ot Lender. have an indapendanllllfraiSer satIslacIory to Lender delennine lhe CISh value replacamenl cost at the Proparty. EXPENDl11JRES BY l.fNCeR. II Glantor fails 10 comply wjlh any provilli,," 01 this Motfgage. Of W any Ildion CO" ptOOGIldIng " camll1lll1CGd thai would matariaIIy aIIacl Lender'a i_ in the Property. Le~ pn Grantor'a behalf ....y. but ShaB not be requillld 10, ""'" anv actlon thai Lendor lIearns apprcprtata. Arti amount thel L.IIndilr expands In so lIClIfI\l will bear inlar8slat the rale chetged undet thG Note rmm the dale incUJl!ld oc paid by Lendor 10 Ihe dale of repayment by Grantor. Ail such """. ~ ~ Lender's opticn, will (a) be pilyiIb. Ie. on demand, (b) be added to.lhe ilaIance... .01 the !!II1le and be apportioned among and ~ payable with ""l' i"""",munt payIlIGtd$to become dull during either (i) the tenn 01 any applicable !flSU....,. . 'Patey or 61) the ~aining tenn at the Nota, or (e) be ~led as a baBoon payment which wig be dll8 and payilbre allbe Nofe'l; mi!lurlly. This Mor1QaOe also will _ure payment 01 tIt_ amounta. The iiants prowidad lor in Ihis paragraph sbaII be In addition to any other riglltS or any rernadios ~ tv which Landor may b8 entIIIad en account oIlhe <IeIauIL j""such action by lAnde'shall not be construad as cutfl'l9 thG default so as to bar Lun~.r JR !rcnl arti remedy tlt8l11 olhlllWise wcokl have had. IO""WARRANTY; DEFEJISE OF TIllE. TlIe loIIowing pmvisi"'l" mIating 10 ownership 01 thG I'rqlerty.... a pad 01 tnIs MorfIJaga. ~ TIIIc. GnIn10r -.ants II1at (8) GIarltor holds good land markol8bla IllIll cf _d to thG "'-"Y in Ia8 51.. Ile8 and c:Iuur of alllIa.. and C ancumbrances olhar lhaIllhoee sat f!lrlh In the ~ ~ dascriplion or in any IIlIe 1_ paliey. _ <eporl. or finallllIe opinion ias~ In laver 01, and aocepted by. Lender in conno;lClion with r Morfga9a. ancl (b) Gtantor hos 111II full right pc_. 8/IClaolhorily to 8X8CUle and - ~ Ihis MorfIJaga to LendBt'. ,.... Defen8e 01 TIll.. SubiacllO the 8lCC8Jltion In lhe fl8'\IllIIIIb above, Grantor w......nls .and wiD. . laraver d8fend I"" lilh!.1O "'" ProparIV. againat ~ lawful c1a11llS 01 all p......... In lh8 tlVlInt any ac1Jon CIl1 proceading is <;Dmmancacl tllel questions Grantor's 1illII..-lhe inlereol 01 L/lnder undar tltlll ~ Mortgage, Grantor shall d8f8nd 1118 ac1Jon "' Grantarfs allpeI1S8. Grantor may be lh8 nominal parly in sw:II proceeding. but L.IInCllIr shall be '5'f anUlledto participate in "'" pnx:eed1ng and 10 ~ rep~ntad In 111II proceading by counsel of Lendat's own C\1Dice. end Grantor wit dallvar, or cause fO be deIlvarad. to Lender _h instrumonla as ~dor may requeslftom UI1I8Io time fO pa-mil such paflIcipaliolL ~ Willi....... Grantor W8IIlInIa Ihal 111II Properly 8I1d Glanlor's use at the Properly compIlas with all _ling appllcabla ilIW5. .,...,..,..............................,.u.__ ~, ~ -" ~ ~ lti '''''~^'''"'i'~i-ti'- 241-0060 FINANCIAL TRUST 354 P07 APR 27 '00 14:18 MORTGAGE (Continued) Page 4 ordInan..... and l8gulations of govemmenbli authCriIles. COlIlDEMNll.T10N. The fallowing praviliOIl$ raIatIng ID eandemllllllon of Ihe Pmpoo1y are a pari 01 this Marlgage. Appllcallon 01 Net ~ 11 all cr any pari of !he Prop8lly is condemned by eminent domain pnlQIIldIngs cr by any plOClJ8dlng or purchase In lieu of condaml1l\tion,lJIJ\dll( may at its 8I8cfiOn reqIlire that all or any padlon ollhe "'" pnrilllds of Ihe awtlld be IIIlPIiIId to !he Indebledneas Of llIe lllP8ir or tesloratiCln of !he Prope/Iy. The "'" praceads 0I1he a_ snail mean Ihe award _ paymanl 01 atl adUlll cosIs. expanses. 8lld aIlOmeyS' '- incuned by lander in connet1lon with Ihe CIlIIdemna1lon. PrOceedIllgs. II any proeeedIng In cond8mnaliOn Is filacI, Grantor _ protIllllIy noIiIY ~ In wrlIIng. and GranIllr shall promptly lake such steps lIS may be ~ 10 dllfllnd Ihe adIon and llI!Wn t/Ie award. GIanIor may be Ihe naninal party In such ptOClIedIng, but L8nCler s/IaII be entllled ID partlcipalllln Ihe plOtIIIIding and ID be ......- in lIl8 ptOCeedng by CCIIIIl5llI 01 its own _. and GnInlclr will ~ or _ to be delN11rad to lander suchlnstr\lmanlS as maY'be ""lues1Bd by ~ 110m lime "'lime 10 P*I1IIl such parli;ipaIian. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVl!lllIIIENTAL AUTHORIT1ES. The IoIIowiflu prO\llsions _ngto IIlMl1nmen141 taxas. - and.cJ1aIlles are a part ollrus Mortgagll' eurr.nl T-. fees ancl C1wges. Upon ruquesl by L8nd.... Grantor s/IaII -=uf& such doc:umanIS In addiUon '" II1iS MOJ1gage and laka whala'l8r otIIar adion is requesled by tJonder 10 jlllrlIlcl and conIinll8 L8nd8r's Ilen on Ihe AMI Prcporty. e......... shall relmb\llW L8nder for all -. as described b_.logether with aIIl1llp81lS8S incll/T8d in 11Il;ORf1!lll. paclecIing <1l conlinulng tllIs Mor!lJlIua. IndudIng wilhout UmiIalIon all -. _. documentaJy lIIIllJIPS, and ather chaJgas far.--dlng or I8gislering tIIis Mcdgage. T_ Tl1e IoIIowing _ conslillll8 Ialres to wtIic;h this _n applies: (al a opeeilic laX upon II1is type of MorteaIIa or upon lIII or ar>y part of llIe IndoblBdllllSli securud by Ihis Mortgage; (b) a $lJ8Iiifi; tax on ~ wIIich Ilclmlww Is aut/torlmcl or ~ to Cl8ducI from _onlS on Ula IndobladllllSli securud by Ihis type 01 MOotgaga; (el a tax on tl'li$1)po of UClIigaga c:hoJgollbIa against the 1..8.- Or the helkler 01 tile _: and (d) a spljCiIic lax on all or ar>y portiQn of thIIlndob1Bdllll$S or on paymanls of principal and interesllllllda by 1lorroWGr. SUblequenl T_ II any tax 10 which tllIs sacIion ~plio:i is Ilnacted subsaQvanlto the Clele oIlhis Mortgage, this IMlIlI s/la1I """" tha ...... IlIfI'lCt 8$ an Event 01 Oalaull (/Ill deftnad below). and ~der may "*'"lisa ar>y Of all of its avaJIabla ramedifIs far an e.... of Default as prg,,;dod bolow u_ GnIntor alIhar (a) pays the laX before ~ beca.... doIinquanl. Of (b) c:antasls lho WI as ptOIoidGd obova in the TllllIlS and Uans !i8ClIon and dapQSit$ with L8nder cash Of a sufficient Cll'Porale surely bond or olhar sacuriIy sallsfacloty to L8nder. SECURITY AGREEMENT; FlNANCIIIG STATEMENTS. T/lG lollowing provisions """ling to this Uortgaga OS a ....urily _manlOlB a part of lhls Mortgage. SecutIIy AlJIWlII8nt. This inslrumoJnt Sh8JI COl>StItuIa ~ sacuJIIy agIBIIJIlellIlO lI1a exlsnI any a11tl8 Properly consIiI\lIes fixlurBs or other personal properly, and L8ndat snell M\IIl all 01 the rigllls 01 a ~ p8tly under thII UniIorm Commercial Coda as allllll1decl from 8me to time. sacurlly In"-" Upon IlIClUllSl by I.8nder. Grantor S/1aII8IIICuIIllinancing state....... and like _ oIhm' don is raquestad by Landor to perfect and continua tJondar's sacurily interasl in Ihe ~nI$ and _ PIopaIIy. In addition to ror:ording this Mortgage in IIi1B IIlllI proparty records. L8nder may, at any time ond willlout ~ auI/Iorilation lronl Grantor. tlIe -'ad c:ounIIIIpar\S, coples or rw>rodUl;tions 01 this MortgaglO as a financing s1a_ GninIor sl1ollllll!"l'UIte Lendar lor all __ inCU<<ed In perfecting or continuing this sacurily inlenist. Upon dllfllull. Grantor s/la1Ill$lIlIIIIblo the PIlr.ion8I Property In a manner and at a placa reasonably conwniant to Grantor and Lander and make n avoilabla to Lal1llIlr within Ih1aa (3) days aller recailJt 0\ wrilIIln demand IIorn landar. Add.......... Tl1e moiUng addteSSas of Grantor (dab!O':1 and L8ndor (S8Cutad patty). "om _ inlonnaliOn COtlCllmlng Ino soc:uriIy In_ OOlnled by Ihis Mor1gage may be obtalnad (aac/l as ruirad by tho Unifotm Commarci;lI Codal, 818 lIS stated on lhe filsI pago 01 thiS Mortgage. FllRTIEiI ASSuRANCES; ATTORNEY-IN-FACT. The lowing pr01lisions ....ting to luriher "''''''/lC8$ and attorney-in-fact .... a part oIlhis Mort;ago. Further ~ AI allY tiflle, and "om lime to ~..... upon requesl 01 Lander. Grantor will rnaI<e. __ and 4aliV8r. or will cause to bo madll, executed or dafMlRlCl. to L.ender or 10 L.en~ desigll88, and when requas1ed by l.andor. cause to be fl/ad, I1lCO'ded, 11IIII8d. at 1tltllCOfded. as the case may be. at such Hmos and i, such oIficos and pIacos 85 L8nder may CI8llm IlPpr.pr;a.... any and 011 such rnorllJages. deeds ollrusl, socurily daads. security agreemonls, tif!l'ncing slaIarnents, continuation staramenl:l. instr\lmants oIlUrthar OlISU_. car1IlIcaIas, and c1her dooumanla lIS may. In the sola opinion oIl18ndar, be I1BC8SS8I'/ or des&8b1e in order 10 IIII8CIlJaIe. complete, P_. continua. or pr_IVa (s) Ihll obligations of GrllnIor and Bon-ower~nder the Nola. this MoriQaIIo, and the ReIatad Documents. and (blthe Ilans and S&CUIiIY intarusls craatad by tnls Mortgage as first and prior r on the Property. whathat now owned or h8nlatIar scquirad by Granlor. UnI""" prohibited by law or agreed to Ula CQntraJy by Landor In writing. Grantor sh811 roimbllr.l8 Lander for all costs and _ incuned in connaction with the mallBr.i relerrad to In this paracJreph. Attomey-lo-FlICI. II Grantor tails to do any of~' _ 10 in the pIllCIIding paragraph, Lander DRY d. 50 lor and in tho nama of Grantor and al Grantat's expense. For such p . Granlor h81eby irr8Vol:ably appainlS Lander as Gfanto(s _ney-.llHaclfar the PUrpose of making. executing. tIaIivlJring, filing. .8CO<ilL'll. doing all oIhIIr Illings as may be nIIlllISSIlJY at deslIabfa. in LonWs soia opinion, to aa:omplisn the rnallalll raf8rrad to in thII preceding graph. RLL PERFORMANCE. If BOItO_ pays aJIll1e Indoblad'E when dua. and oIhonvis8 parfomls a111he obli9alion5 imposed upon Grantor under !his Mortgage. L8nder SItaI1 8XIICllIa and dIII'- to Grantor a ~18 saIiSlIlcIion 01 \his Morf9aga and sllilablll statements of IanninaVon ot any fil18nc1ng sflllnlant on lIIe avldencing 18nder's sacuriIy inlafaslln t'/8 Ranl$ and the PorsonaI Property. GJanIar will pay. If llG<mitted by appBcabla law, any . "ieasoriibla termination lea as dalarmIned by lander from ti'l'" 10 time. . DEFAlI- T. Each of lIHIluIIowing. 8Ilhe oplton of Lander, s!'all canstiIUta an avant of default ('t1vanl 01 Oefaul\") under this MOr1gaga: ~ Default on Indubladn... FaiIura of_or 10 ~ any poymonI wilen due on !he Indobladnass. ~! DelIult on 0l/1ilt P/lyIIlellIS. Failure of Grantor within thII time raqu&ed by IIis MorIgoge to maka any payment lot taxes or insURlnce. or any t!.'" other payment .-ry to Jl18vent lI1ing of or to ""4 disc:IIII\lIl of any lien. . . ~ Compliance Default. Failure '" e:omply with any othaf] Ienn. obligation..........nl or condition contained In Ihis Morlgaga. the Note or.n any 01 Ins as ReIatad OOQumanls. , ... DefaUlt In FlIYOf 01 Third P_ SholllCl Borrower ~ any Grantor daIaull u'- any lOan. __ ol c:rodll. sacurily aglllllll1lUlt. purchase at _ SIIIes agreement or any oIhar _mont. in rallOr 9' any oln.. audifar or parson thai may malarially - any of Barrowar's pror>lIIly or ~, Borrowor's or any Grantor's obilily to repay Ins lo\lns or perform thair r&$I>IICIiW obllgallons under this Mort;ago Qr any 01 Ula Relaled Documents. ~ FaI.. Slldenlents. Any wananty. raprasanlauon or ~lemanl mode or f1Jm1shad to L8ndfIr by or on behoII o.f Grantor or BOI'!owar undot this ~ . Motfgaga. tha Nola or the RaIalad Oocumanl$ is ralS8 f mlslaadillll in any mataflal raspar;l, ailhar now or at the time made Of furnished. IlISOIveney. Tha dlssolulton or tarminaliOn of G~ or B<lIIllWIII's flll1stance as a I,lOing business. the insolvallCY of Grantor or 8orrower. the - ~~ ~ III "' - .- "'~ ~,~~'''~, ;.",."" I 241-0060 FINANCIRL TRUST 354 P08 RPR 27 '00 14:19 I :1 I 1 , . ; MORTGAGE (COntInUIld) PageS appolnlmenl ,,ia recaIvIlr for any pari Df Gnu1lDr or~. plO!leIIy.1/IY "nmen! lor Ihe beneIIl 01 CIlldiIDr.l, any \JpII 01 ~illJr wolkoul, or ilia _m;amanl 01 any pnx:eading under any bankruplcy or Insolwnl:y IaIloS by or against Gnu1lDr or 1lomlWar. Foreclaeunt, FOIldIuq. ole. Commancemenl of fcrecla5unI or IorI8i\UJe 1JIllC*Idinga. whalI1er by judicial pl'OCllldlng..58II-l1aIp. tap055llSSiOn or any Olhllt method. by I/IY Clalfdor 01 Gnlntor or by anr QCMlRUIIeI1tal agency agslnsI any of the Properly. HoW&v&r. II1ilIIIIlbsacliIlll shall notll/lPIy In tha want of a good 1aiIh dlspula by Gnu1lar lIS III IIIe vafidily 01 raasonablanasS 0/ IhIl cIalm whICh Is the basis 01 ihe IIlnIdosllia or ~ proc:eedIng, provided IhaI GrIIntor gives Lender WIllian nollca of SIICh daim and _has ..... or a lJlQIy bomllor Iha clairn '8IIsIactory to lender. B_h 01 0lh8r ~""'nt. Ant bnlach by Gtanta or B_ under lh8 lIwms 01 anyolh!lr llII'.......rn between ~ or BlllTOWIl/ and Lender IhaI is not remadled within any ~ period provided _. i_I18 wiIhgul ~ any agreernent__1ng I/IY indeblGcI.- or other Clbllgallon of GrIInlar or BClITClWtIf 10 LsndIr. whoIhar llIli$IIng '- or .. events ArrecUnO G...tcw. Any af IIIe PftOCBIil18 lIIIllIIIs occurs 1Irilh "'"'*" 10 any GU&nlntor 01 any 0I1I1a l_lBd..... or such Guarantor ,~ or becomes incornpelenl or anr GUIII1UIIor......... any guaJlUl\y ofllle Indebledness. InsecwIly. La""" in goOCl flIiIh deems IIseIf ,_ RIGHTS <\ND REMEDIES 0lII DEFAlL T. Upon the _lIC8 01 any Ewnl Of DelaUII and at any time 1heI9IIlIer. lender, at itS oplion. may exercise anyone or more of II!8 foUowIng rlghlS and ramadi.., in addition to any ClIher rigbls or llImedIes prooAd8d by law: - t_btedn-. Subjeclto applicable law. Lender s/laIl "WI II'le rigi'll at iI9 oplion w;lhoul notiClB 10 Bonowar 10 dac:lano t.. onIire In_..... immedlalely due and payable. UCC Rem.d..... WIth l1l5p8Cl 10 al! or any port 01 II"! Person8l Properly. l8ndar sIJaII hawt aI lh8 righIB and remedies af a secured party under Ihe Unilonn CoIllln1lR:i8l Code. Cell",=, RenI$. Lender shall ha... Ihe light. without lnotica to GraIl10f or BomMw. '" _ I'V ,,~n Of 111oo I"rl!perly 0Ind colIac:lll1a Flents, inctudng amounls past due and ilnpllid. _ apply Ihlp net ~ OW" and alJqva Landa(s.905fs. .8\llIInst Ihe Inl/allllldrM!SS. InIUJt~l!OB of litis right. lender may '*lui!" any l8nant.or other ~ of Ihe ProparIy to make paymenls of I'8IIl or use fees ~to LondBr. Iffh!l ~... COlIoclBd bV len., \lIenGtanlor IInMlcably dllslgna~nlendlflr as.GIanlcln lIIforn8V,in-Ia to and_ ins1r\lmei1ls receNed.ln Il8Vll!8lIIll\llr8OI in \lie II8IIIfI 0' Grantor and to /leQClllata tile same and fl"I'8Cllhe pRlCllllds. Paymenl$ by....nts or other usn 10 I..at1der In teSfl!lMe to Lende(s demand shall S$U$ly the Obllgetions lor wl1ich Ihe paYjll8nts we made. whelher or not any proper grounds for II!8 demand _led. lend... may GlletClse lis riQhIIs under _ subP8ll!Q'8Ph eiIher in PGjSOn, by (I9Gnl, or tIuougtl a receIww. Appolnl_er. Lander sholl .....1hIi right to ~.a. raceiII\lt lI/lpoinled 10 _ possesoion o'aI or any pert of I"" Properly, with lh8.poworlD p- and PJ8MI\IIIlhe ProPerty. to op. ll!aIe.. Ihe. Pr~ ~.. '.~. . or... and fa c:aIIlicl\lle Rsnls. from. the Pi'aperly. ...dappl~ tho pRltBllds, QVtII" and aIlove the cost of Ihe ~11iP. egainOl lh8 1__ The __ may ...... wiIhoul bond if P!UIIIilIed by low. Lander's right to Ihe lI/lpolllttnelll Of a __ _1_ ~ or nai Ihe apparent value oflhe I'roptIrIy ~ Iha IndeblednesG by a su/l$lanlial.",ounl. ISmployment by Lander Sholl not r · person 1m'" \lBI'Ii"ll as. rooeMlr. .jud/~ Follll:foe\lre. Lander may oblaIn a juclicial T"" Ior8doBing GranlOr's _ in all or any pari of II1a PropetIy. PC,,""1oI101IhePnl. party. for the pu.'P. _.~at . -I18PossassionOIIhePrGpofty..GIll. n. tor 1IelrIby.. .8Ul/IOria. ...... and.. .&m. p. _. .any,. .....attornllY. of I/IY court 0/ ...om in IIut Commonwealth of Ie or BISIlWhere, as ~ tor Lan1Ior and all peIWIIS claimine un. or through Lancler, to sign an lIll'\I8mant lor anlering in allY QClll1PGIent an amiCabls action in ajteImen\ lor ~on of Ihe PropOtty and to ",pear for and confesso1udll./I11lnl ag8/nsl Gl8l1lor. and against all ~IIS daiming under or IhrOlJllh G. ,anta..lot. the Iecovet'/ ~y Lander of pQISS8UIon of Ihe Property. wIlhoutsny slay 01 exoculian.lor wl1ich Illis.~ortgaga. ClI' e ccpy ollhis MClItqBQ\l \'lltIlIllCI by affida\li'. shaJlll8. suffici8nt W4l18l1t and thareupon a writ oIllOSS85Sion may ba issuecllol1hwill). without lIIlV prior writ or procaadil18 whaIsoev8r. NDIIludIcl8I SIde. II permIIIed b~ lI/lprlCGble low. lent may lonIdaoe GranIor's _ in al! or in 8I'tY part 0I1he PetsonaI Proparlv or II1a FleaI ProP8I'\y by nonjudicial sale. lIeIIcreacy JudamenL lend" may obIa!n a Ju~~ lor any deliWao"f remaining in lhB Ind8bllldllllSll due to Lllnder aIIBr upplication 01 all amounts ~ from Ihe -- 0I1he rIgtUs pMii" In _sectIOn. Tenancy .. S\IfftrMl:e. If Grantor remains in p~n Of IhII Propar\y aIIBr !he Property is sold as provided aIlove or Lender oflutlWisa becomes entitled 10 possession 0I1h8 Propar\y lIpon '18'I'uft of Grantor, Granlar sIl8II become. tenant el sufferanco of Lender or the purcllaw Of II!8 Properly aIId Slutl~ at Landor's option. tlillutr (a) r a reasonallle rental lor the use ollhe Properly, or (b) vacala tile Property Immediately upon tIut demand 01 Lender. ClII1ar Remed1e8. Lendat ShIlII ..WI al! olhar Iigltls a, remadias pro\Iidad in lI1ls Mortgage or tile Nole or a\l8ilable alia'" Olin equity. "* or !he PropeIIy, To lhe 8lCtIlnt permiIIad by I\PpIiI:ab!e ...... Grantor or Borrower IlanlbY waive any and aD righlto he... II1a ~ matSlutIIBd. In lIllIlIdsine itS lights and reliledles, Len~ shall be free to sell all Or lIIlV part Of !he ~ fagstIutr or _laIv. in one sale or by SIlplII'8I8 saI!lSo lender shall be entilled to bid a1l11lV P sale on aI or any poJtion 01111oo 1'rqHIrIy. No\lCe 01 SIIe. Lendar shall give Grantor _naIlIe notice of Ihe time and place of any pllllUc _ of tile Pelsonal Properly or 0/ II1a Urne after ,~.. Wll/ch any prIVate saI8 or otIutr inlanded disp(lsiIion 0/ Ihe PQIsQnal Properly IS 10 be made. U/IIeSS olhelwlse raqulllld by apprlC8ble law, _naIlls notice shall mean nab given aI Jeast ten 0) days llaIo/8 the time 01 llut _ or dispor;iIion. ~\ Waiver: ~on 01 R..,edlas. A wal\l8f .bV any 01 a bllllll:h at a pra\lision. ollhis M~gs ~ n. ot.constitute .. waivBr 01 or PretU.d~ the ~; party's lightS o/herwlse III demand slricI compliance . Ihd prol/fsiOn or any olhar provision. ~on by I..at1der to pu!Sue I/IY remedy shall no/ ~ evdude jlu/Sull olllllV _ remedy, and an elaction make llllPs.dIlIJras or take acIIon to pedorm an ObIigaUonol Grantor or Bonower uoder ;;..:;Jilhls Mortgage after failure Of Grantor or Borrowor 10 10nn snau not a_ Laode(s righlto dGClara a defaUlt and 8lC8rcisa lis llI...dIas under this ~MotIgage. rt:!l A\Iornl!Vs' ~ ElI\-'~ If lender I_anv Sl'ft or _ '" ~ ""' atlr.lIlm1s 01_ MorIgagIt,l8ndar sIuIII be ~ 10 - ill: such sum as the court may adjudge """",na/llB as ~. laos at IriaJ and an any ~ Whether or t1o\ any courtllCjion ill invoI1Ied. 011 iii'( reasonable 8XPe/lSllS Incunud by lender IhaI in L.andIP. apinion "'" r~ 'V at any time. for Ihe proteclion Of itS inler8sl or Ihe onlon:emll11l 01 . ils rightS shall ~me a plIII ollila Ind8bladrl8S$ paYl/blG 0l'I delllllnd anO shall bear inlalllslfrornlhe dale of ellpeI'ICjI!Weuil!il rJIIl8iil allh. rate Ql!fl~ for In Iha. Note.. Expenses COY8I'lId by 1I11s panlQIllPh Include. wilhClll\ 6mllat1on,. h. _.. \I8f. . SUll~ to any Bini. .ts un.... llPpIicabIe. .... laW, ~r's altamoys' laas and Land.... IIllJlll expel1lll1'l wheII.'"' ~ notllutnl is a lawsuit, ~ng a~' fees lor bankrUptcy proceedings ....lncIuding eIforIs 10 modify or vacala lIIlV aulQrnalil; slr\y or Inl~nclian~ lI/lpea!s and any antitipafed p.....iudg...n1 coRlIClIon ~, tIIs c:oat af _hlng records, obtaining Bile repofls (including ~ repofIs~ SlJtVeIIrW reports, and appraisal fees. and IiIIo insurance, to II!8 extent patmltlad by applicable Jaw. Borrower alsO will pay anv COUJt costs. in adclilion to all oIhet sums provided by law. , I I ., I I , I , .- .-. ~ u ~, ..... '~'~ill - ,oJ.., ~,":"I 241-0060 FINANCIAL TRUST 355 P01 APR 27 '00 14:23 .J , ; MORTGAGE (pontin~d) Page 6 NO:nCES TO GRAln'OR AIiIO OTHER PARTIES. Unless alhBrwise ~ by fllplio:abJB Iaw,any _ \IIlder l/1is ~ SIII!II be in WI1llng and shaD be ~ve whIln ICIuaIly dlIlivered. lit - d!Ir~ With a naIionaIy ._oilood ~h1 ~. 01'. 11IIIliIild, s/1aU .ll!i ~ a/I8Ctive wIIl1n deposited In lIIe United SlaIes mail list ClaSS, '~lld ... ~ IJI8P8iCI. dIrl!I;IIld 10 the ~ SI1llWIi .. the ~i1i1l\l at tl1ls ~~ Mi P'IIV may cIlange il....ddn"". for 11llIieel;_.. """~ bylJVlng'fGml&IlllriIliln _10 the -Illlrifes. ~1llI1t1aI1I1e PlJI1lOse cr lIB ~ Is to CIlaIJUlI U. par\l"s addnIS$. AI..... 0I1l1l1ices 01 ~ 110m the haIder of any '.... wI1Icn lias PrioriIy ovar this Moltgaga.$l\I notices pUlSUllll42 Pa. c.SA Section 8143. '" saq..sIld be8lllllto Lilndor's aclcIMs. as shown -.- _ beginning fl/'!hls Matlgag8. Forl1lllilll/ purposos. GIaniill' agr88S lo ~ lender inlllrmed at aD _ 01 Gra--.. C\.III'8III_ MI~1lI1 ~NEOUS PROVISIONS. '018 foUowlng lI'Ii8I:llIIaneus provisions 11I'8 a part oIlIlIs Mortgage: AnIeIul-... 11115 Mortgage, logathar WiIh any RaIa/Qd 0.............. ~ ll1e &nlirll ~ 11I11 agroamsnl Ollhe paJ1iIls 11$10 the lll8IflInI wi fGllh in thill MaI1gage. No aIIef1IlIon cr or lI/II8/Idmlll1llo this Mortgage lIIIaII be effet:tive uri1e5 given in w&1tlng and oignell by lhe pady or pllltJllS SOught 10 be chaJged or bound by thallllenlllon or lIII18ndm8nl An. nUll Repar\$. If lito Prnperty is used tar PUlIlOSGS _ Ihan GIarltllr's, IBIidence. GIIUIIor, shaD _ 10 1..eIlder. upon request, a cartifiod .SfIlhlmant cr 118' GpIlnIting incomol ~ 110m "'" PIopetIy cIlolng GranIor's ~ llscal ~ in sueh 1cm18Ild dlIIaiI as l.endar s/1aU require. "Net oparaIInQ lIlCOme" shaJI mean III cash IIlCIipts from lhB Pnlperty lass II cash IJlIll8"CIlluniIllllde in __ with the 0llBI8li0n QlIha PrcparIy. AppI\QJble UW. ThIs IIIortgage .... """ delivered to t.endet _ acc:epIed by LencIar '" IlIe ~ or 1'en1llllYhnu11e. llIIs MoftGaOe IUIIlle 80- by 811" consInIecI b'llICCOIdance _ the Iawaor IlIe ~_ or PaIIll6yI_. C8p1lon Hucll..... C8pliDn headings In lhis Mortg9 .... for convanlanca PUIP0&85 only and .... not 10 be used 10 Interpret or d81ina !ha Pl'llllioions of IIIIs Mortgage. Merger, n.- >haD be no __ or lI1e Incarasl or _fa crealad by _ Matlgaga With any other 1_ or IISlafa In lha Prnplllly al any ame held by or lor lha benaflt oll..endw in allY capacity, 4OU'1he writtan -r 01 Lender. MultlpIe PBrtIlIIIl Cofparalll~. AlI~. 01 GIaniill' and Bonower ~_ this MOfIGa8e stIBII b(I jQint $l\I SBwqj, $l\I all ~ to GllUItor sl1lIlI mlllln _h and eVf/ffY Grantor, and III ~ to Bonower _ mean _ and ~ 1lo<<OWar. This means lIlat _ of II1e _ signil1ll- is responsillla far all . in this MofIgaga. SevellPMDIy. II a COllI! 01 -......... jUIiSdittiOn~ 8II'f pnMsion or U'liS .....~ to be ilMllicllIt ~'" as to any persan or cItc__, such finling .hldI nol IllIldBrItVll . n i~ or ulla'~ .. to any 0Iher persons or cin:ulll$/ancas. IlleasIbla. 8II'f such aIIandIng prOvlsian shell be deemed to be modlflod lo_llla IimiIs of enror-biPly Ilr vaIidiIy; h~, W lha qlfanding ptolllslon IllII1nal be lID modilied.ll_ be stricken aneS all 01l1er prollisions allhis MClIIgage in all aIher J9SIl8Cls ShaII......n valid and aniorl:llllbJo. llUCCGllllOrullr,l AMlun.. SIlbjed to llla dmllalionll fed In this MollIjage on transfer of Gnlnter's Interest, this Morlll8ge shall be Dlndlng upon and inuro to I/Ie blllllllil of ,llla partIas, 1- ~ . nal ~Ilws, _ and assigllS. ~ aw...,ship oIlhe PIopBrty becomes_led in a plllSCln oll)er than Glantor, lender, withou! ,no III GmnIor. may cIBal ...lh Granlor's SIlCCII5lIOlS lNilh lQlerence to this Mortgaga and the Indeblednass bY way 01 Iorbtrarance 0' elltensian ihout _ng Grllntor trom IhB obligations 01 this Mer1gage or IiIbIIIly under t"" Inclob~ ' lime 'e 01 the EsaenI:e. Tuna Is or lhII__ In Itla polrIannIu>:e of INs ~ WIIIver8 $l\I t:'anv ..... leIIdar SIlaII not be to ....... waived any ItJl1Is unaer U'liS ~ (or under Ul8 ~ Oooumen\$) unleSS s~ waIwr,iS in wrjting $l\I signed by Lender. folQ or onOssion on "'" pllIt Qllerlclar in _,Joi,oQ any rig'" ShIll ~ as a wal\l8r 01 such righl or 9JFf ather righL A waiYat by any PIIrlY a provisian "'this MClI1g8QG :dlaII naI'canSlItule a _ 01 Of prejUdIce the perly's nghl otherwise lo d8M8nd Stricl compliance with ItVlI pro . 01\ 01' any oIharpravl$ion. Ne prior w~ by Lender, nor any COlllSll 01 _VII\l betW8<ln Lendlll' and GlBnlor or BOtl'Ower, shall llOl1$tltute a of any 01 Lendar's righl$ or allY QI Gnmlor or BOI'fdWOr's alIligatie.. as to any luture lra~aons. Whal1llVllr consent by Lender is requi in this MQI1gage. Ihtt gllUlUng 01 such COl1SBnt bY lendOt in any imdBnce sholl nol consalute cantinuing _lID subsequent IllStence. "" sucil consent ill required. " 1SI000S OF THIS 1lORTGAGE, AND ~OR AGREE$ TO ITS TCRMS. I I I I I I I I I , i Signed, acf!!!!)Wteclgnd $l\I eS~ In lII.e _nee oh X ";-?-e.... a. ~ .;~ WJ!neM r X r WilneSS I CERTIFICATE OF RESIDENCE I hereby cer1iIy, thai the pteQse address 011"" mortgagee. Fljrmers Trust Campany, hllrein is as foqows: One West HIgh stNeI. CarIbJIe, PA 17013 ! I I Al1~ car Agent ror UCC'lgaQlllfll iiillU2&O l'A&E 888 ""''''''''''"",' ' --~.~. I~- ~~ '-- - . " .~-~ . "~1~~,':' 241-0060 FINANCIAL TRUST 355 P02 APR 27 '00 14:23 , MORTGAGE (Continued) Plge 7 . . INDIVIDUAL ACKNOWLEDGMENT STATEOF_Pe.(\I\~~UQf\ ;0. COUNTY OF C..llV\be.r land NotariatSeal SJy.liJOrl.... !-i~S!eoof, N;;:iary P..Jb~ic We&!: ?err-~~ !":\"O.. C:;;."Je....!f~r.d Cc:t.r:ty My CO"'llOSS!Qll ;;"ll!!e$l.pni ;3, j!;;lS Membet,~_olNolarie$ I I_ I dlrt llf ---:\r'f"lU('.Jr'f RIlIIJ:...... ,q J Uu...;:t,),(' My CClIIIIldMIon ... II Jf . / f:.i /7013 .' .r~ Y1~~:'fi',':?j . /' :::";"'Yr;l-.r J ,1';:. ". fA) ,:., - -;1.::.e t1~. ,'. '. ., '.?"1 hall<)IlIJP S~~I oj otilce ofd ~ /'/';- . 'j. ,'A thls:1 dav oF1!L ...:". '( 4,.,.. tflc~~. ---- "'. '7 ~t.~ mE &89 ~,.:.. .:' .. . 'c.. "~~ :-~,~";;':::m~ c,j. r.. .... { , r :... \~,./ P'02-0HO-VVAHflANTY I~D 011 CO"/'. RECOP.vE'O-OfFJCE: OF THE CO/>VfiGCH~~~1~f~t~v';.f.5~~..&~PECiAL SUPPl'f CORP, ':1-' ~~' 13W "'rc~ i\J.' PI>,I.d01P~'.'~' 19101 \1..1 n.d "l- f.ll I, CO ADGRVS W1iis IDeell. ""d"'''. .J~d'u of April 1f} 63 ; t;U~':::;~fi~_;' ",i~. c::;:;,;ry r;:i::~SYLVM,:'\ iUdwl't'n NATHALIE G~ SATO, single person h(ll'ci,~ dE/diu'lUted fm th~ GrttrdQr'fI, Ana ROSEMARY E. GRANT, single person, Ilfmnn rJe.~"[J1l1l1ed'U8 the Gnmfccs: WitnU.litU,. that Ute Gremlors,,{or and in c:otl,Sideretian oj' FORTY-NINE THOUSAND AND NO/l00--- --------------~------------------------------------~{$49.000.00)'DOLLARS IrrwJirlllfrmt.u of Ute U,lited Stalell of America, 10 lhe Gl"'lInfor'll in hUlId wf!U.~l/d truJu.rm.irf. b/J the Grwlf~cxl flf III' /)(1m'c the sentEll[] ulId delivcru of thelle pt:(!8fmt8, ,the receil1t wh~ is Ilereby rtcl'7ww(etl(led mul. the Grmllfll'lf ueirlU therewith fully ,satisfied, do bu thr!$e present$ grant, bargain,. Nell a~ld cottuey lmta the Grlwlt't>:! fiu"ever, ' . .JlIl 6'1" ''1~''el r;lrt~~"L,),lh!l, r"lIlll\{,;: II If ,. II '('I.i' ,_ '._' illllwCmwll1fJj" rl I Cr; 11' ll"Elulfll, s/ ~"fJW1<JtJ['!iill!i&, ,,19 II Jja~ti.!m~ dc.d.~, ,ibe;J t.~ r~::v~..: 'I"l1Gf ALL TIIAT CERTAIN piece or parcel of land'delJ8ted in .the Borough of Lemoyne. County of Cumberland and State of Pennsylvanld' ,more parti~u~arly bounded and described as follows, to W{tl 3EGINNING at a point on the southerly line of Walton Stre~t at the intersection of the line of l~nds ~ow Dr formerly of John McFadden; thence in a sout~erly'direction along lands noW or formerly of John McFadden. 400.0 feet to a point on the line of lands now or fo~morly of Hans Ha~son. chenee in a~ easterly diTeetion along lands now or formerly of Hans Hanson-and parallel with Walton Street 200.0 feet to an iron pin; thence in a northerly direction along other' lands now or forml!rly (if sa:l,d Hans Hanson and lands now or formerly of Brunner 200.0 feet to a ~o~nt; then~e in a westerly direction along a line parallel with Walton Street and ~long lands now or formerly of Fred Fox and other lands, nor or formerly of Alma E. Strayer, and Guy L. Stra,er, and lands now'or formerly of Marie E. Strayer. f80.0 feet to a point; thence i~ a northerly direction along lands now or formerly of Marie E. Strayer 200.0. feet to a ~oint on the southerly line oE Walton Street; thence along Walton Street in a_westerly direction 20.0 feet to a point', the place of BEGINNING. HAVI~G THEREON ERECTED a single 1% story (cape cod) dwelling bouse known and numbered as 342 Walton Street, Lemayne, Pennsylvania. UNDER AND. SUBJECT, nevertheless, to easements, restrictions? reservations, conditions and rights of way of ~ecord. BEING. the same premises which Irvin R-. Por; and Betty J. Porr, bis wife. by 'Deed dat.ed ' July I, 1975 and recorded in the Cumberland County Recorder of Deeds Office in Deed Book D 26. Page 274, granted and conveyed unto Nathalie G. - Sato, the Grantor herein. .....\__I....".~ .j, ~~o-I.STff?~O a.... THE ~.r/i.-, '\7Ioooo:m lit ~'~0P0UGH OF lEMOYr~E. PA. ;:~-...- .._,...."_.~ Cumbo CQ.. Pm. ! . /}77< ':S;' _ Ik. :....' .. .'" "J. bIn, " ~~ Real ~tate. T~~ (!ti.,/ ,l9J2 ~... .,;.<ll ~,.;:..:,- ,.r<.l'-.Jl!r ;,.,.( -"~ -.'{.p ;';/'5:'''''! ./ /, ,,/,.',/,. D' $"'/i] A",-'Ov ~Cate..>.. .__ t.:-AJr.!:. . :'/c:f.rj2LL..!fLL:I~.L a,~._....._..._ Al'lt._~_,=- =b?<"t0-t- - P- -/ $' . '~lHIY a~"'::=..J:/...:Ya...-:=-c- -:t;.,..ITI~I,;:.J....rs.t.~Aa\. "''//3. ,,- CUllltl.~,UI~t.Clli..,~t /'1:s , Dou~ho f,',:t: I~ 81 ! ,.. ! ~ Ii ! I II i I II I I I I I I I I 1 I , i I I , I f I i I I , ! , I , i I , ; , ! I I i ! ; ; I I i \ ! ! 1 i . j i ,,""~'-d""""E!.c"'='~= ~","' '"~,~ < ~ , COMMONWfAl1J!l'l' r~.\I:~',',W:\":;:, :-:: llEPMTh\ENT O~ j:t\'I;I,,~lf . . prAll" =~:~~r.-J-'- n..-'ol,:-:.:,r. i~~~"S'fR I\M'.'~o ~~~ r.:._(!' '.',_!:.~ mag.tf/fr with alt and MngubJl" the buitdinl1lf, irnprovemetltlf, 1l!fJIiH, l('Q(JIl~, 11~dt'I'>I, 1I'111f'/1''''''',<t'''. 14altls, IiberRoelf. pritli1egeB, h",'edilIJ.1llents and 4fJpurtf11ltlllre~ /0 tile IIrlllll! wltnlyilly Ill" ill ,t1Iylt'i~I' u/'I""'/"i,,i"I/; "",/ lhe reverlliun allll reuenirnlJl, nnnuimll!l' and remailldel'll,ren/", is811t'HUfIIl/l"1iI8 0"'n11): ",,,f "J' """"II/NII'I Ufld iJ"1'OOl theroo/; .Anll, allD all till! tIstale, righl. tille, in/ere>!/, t<~!i, Im~IIIOH~i,,", l,m/wl.'!!. dlt/'w ",,,I demund wlmtsoever of the Grrl1lfors both in IttW a1lf1 {It ('qui/II, ,if, il/l1wl/.) tI,t' fln'misr'lf IlI'n4111J.w..";/wd ",,,/ elN!1'g IlarllUul pCU'Ctl1 thereof Wmt the aJ.ipurleuallM, mo lIaur IIU/J 10 !loli:! uft "m/ Millu,I/III' 1/... /Ul'/ili...'s hereiu desCribed togetheriuith thtllerrJdiwnlrmlsand-appurfeI/UllrC'll ""'tl IIII! Gflwlf'(OM ,will" (j'11111t1''''ltI~'IH"'' 1U"tatldb~efi!/urever.. ~b the Gt<<l1rora ootKmlLm Uw.t, except ug 1lt.aV 00 llt!rein Ref f\lr/h. 11tt'!J <<u UllIll,'ill (OUIJU \\lan/nIt fuullldtnb the'latlda und ltrf!l7#ses. heredUame'lltJ/ fwd upplll'If!"IiIlC1!,~ Irel"t!bu t;u"I'(o!1(~I. "11"ill..1 1/", (,'nllol""" <<Tld <<It other lJCrn()1Ul /cJ.wjUl!u clulnl:l'lt9 tile KtL'IlW or /(1 <:luilll /lIe ~U1U<:, Ill. fill ~nmee& "'Erein /Q lltlll p<<rti<< JIl!nl<I1lH ~'I/iUt't< -or ClI11",...I...,,~, Ill!' ,'1<f" <Ii <lUll" J"...li'.NI'~I' lJ'.u<l,'~ M II", 111'IfI11",. ,,'llIJi.1tU'N1rrlllw,. i.'f jll/t't/oed to ,,,dUde tlleallp('IJpl;rl/l!uon"'cr"r""",bl'r"~ /lw 1,','/ "l/l,,' ",i//d" ,,,.It.,,,,,,.,,/ 'N"!I '''''/lli",o ,juIf (.Wl~~:'i;;:;ii:h~:J"::hVfC:::l(!fil:Kl':~~fi.J~jjl:r ::B~~h~w~~:~M~,I~~~!e~I;~~: ~~/~'/,:,/,::~~~'(,:~:'i;:;~;,,::;:;~; '~,';~1:;;::i "'tll'l!Jff!lflalilH!.,_tllllllrllfl.lllias,iuIIB~hud~"i'llIerli>dnJlf!rNICIl.mdt'VI'J"'.III;hdl"ljUfU,/illff, ! I. t I . ! I' I , ~ \ ftt IDlhlfll8 m~frfGf. tlte Gralltof"ll have hEreun/a sill t}li!ir/iofldltund Ht'UIM, 1/1' ij'nntl'p,....lilIIl. l/ /..... cllWJe!;l tlu!1W prea6nts to W lIig,wd bU ita proper corparu.te tJ}licr!f'l' lwd iI~ 1:1!I1/fJ/'UI., K'1r1 /.. III' "jJfn~1 lIerela, ~he dall4nd year firs! alnwe writte'll. Bignell. 'I'Dltll ani) IItllufu'll in ille pUlltn.ce tit .;.;L~~,..,.:..,._....,. ~,. !J:-#;r.,..:ttS/. 'NATHALIE G. SATO I I I I , , I I ! I I I 1 1 I I I I I . ! ! I I , ! I i 1lIom1lU1ll_1~ of ,..."gl..nl.. U!l>u11lJl Df . J.D,' Sf it Etmt-mbt'fd'. thatlm April':;';~ 19 83 ,b~,U'Y-'t':tj1:;.:~(;I~F';l'r ~?lI01lG{1y appeored Nathalie C. Suo :.,:;,,/:~:~'~;:~l,:::->.?~::'~~;':..~' frnltWU h.l1JUl (>.II' "llti'lfuetonlUllrG\ml) to be file JlCf'SDll 1I'Iulllt 11ft'tlIC 18' ~:~:'~!'.':'-::::' ~; OC:~;i:;;~I''''~,~ to Ih, wilhin deed and ac/mouJledged. that She e:leClttecl thl! $umt Jar"w pnryl(~';1',~'!~f::i1J;,!.~'J;!t?1,/;J,.i , . .... '''C''" ~,k !.1'''''10 "....d......., th, d....dll..."'~~,~..~. , . AAU Uo FOlm. flO'I.IIY ~!I~UI: .mwr PAXfllN 1M','. ~J~..!t!1J ,;~~~ry 1lIl:YCOUUIS$\";~ ~""'l'.:, ,."~ n. :~,;~ ....~I/, "C~.,,;..t . ~ l',l;!"::;."I: ~I i1~I~"'1 i I II II I: 1\ i L :1'-""L. ...n ~,,- 1o,;"U....''',: 8.2 , , i I \~ i I .....\ J . , :1 I I ~ "^ - " . . ~-~ ..~ - ~~.J.,~L,:,i .~ . . t \ I lllmmnl1nw,nltq of .tl,nlloyluanio. lllounty of alt it iB'mrmbtu~, that on If/llfllld,'IIfI!t'I(~(IrJ(1f1 1H.'r.~m/fltl/J UJlJlf!flred scllto be the "1;. ..... '00.: J9 , bl'lm~ me the IUlWfcriber. Witnti. my hand and seal the day and year aforesaid. oJ' " Cm1/fmllifl/l, fmflllwt beillg authorized tn d.I'J 8i1 aa /fuch corpurate uJ)icer ~'Cutt'fl Olf! Jim!lJt)iIlU im'frltlncld jilr tire /J1111m.~e:l tlllmdn colltoi,wfl un behalf of ti,e corparation. ~ <J>.. '\)... ~ ~ ~ Jit) ~ ~ .. . ~ ~ ~' '- :;: ~'Q- .." ~ . . ~.. -.. - . . . 'S~ . 0 .~ 1;; :"i>,a 1:", . . ." .. - ,~! ~a~ "t:l "'.... ~ ~ ~ -.- "<::l :::: .....,.. l:I ~2~ ...........................,....,,,.....,,..,,...........,,..,.............". -" , , i ! i I , '. I I j ! I ! I I i , " i i f ,i. :.-,: J " '. . . .. , ,.. ~ ". .' ~'-. ,.-., .i.. ",; , ~ j ~-~q ~,f .' ;~U ~ ~ ;;~ . : ~~I~ ~1J ,) :', ~ ...: Q "";.r cr " ON ..''O'~~~>lIJ '~ ii~~.J'''ll . ~-.-:I- ~,2 ..:'. r ~(\." ~ l' ;to Q r,. t. .,..i,:.~ ~ ~ .~: ~ re ~ ~'~ ;.' C J !:,J ~ ~ '.' ~ ~ ~ ,-' ~:::uKi.'30 .' tr...,:, 83 r v, ~~ :r -! ' ell -:rig C'. .~ ~I~ '~.' i '""i (J j a~ I~ (>-';' " -~, : 1.' ,a ;0'. ~: ~ ( '., j' ~ '0 ) r 1 ~i ~ fM ~ E ( ;'U _./ .' t .~..",. ,",,~Co.,Wau.-part.r.. I'KE SIMPLK-nNNA. OU:P_IIiIIlO ,-.. , " I, i' :f I: MADE thl!l """""""".... 'Q!4is ~nbentUl:e. /90#-- day of ~ BETWEEN In the year lllDeteeD bundn:d and eighty-eight (1988) RUTH H. MCCRACKEN, widow, party.o~ the f~rBt part , " " i! :i " I) ~ ! " h il :1 " rl A N D ROSEMARY E. GRANT, single woman, ?arty.of part tll.~ second;{) I : ~?if,~ I ~ 'i'~;: . ~ v' ..",';:~ :.c V ;.: ;.-.;; ~. f:J oi th. """.d port. WITNESSETH. Tho' .old party of th. (u.o port. C", ..d In ~d""~"" .&. sunl m THIRTY-SIX THOUSAND ($36,000.00) DOLLARS DuIILLr~. Il\wEuI IJlOney of the United States of America" wen and truly paid by the :w.d ~ y, ." . of tho st'COlld pnrt to the 5aid pJUty of the first pnrt,. P:t and befofCl the sealing aDd delivery of these prL~'llls, the m'dpt whereof Is hereby acl.nowl~ged. has . , granted, balglliI1ed. sold, uli~I1i...d. cnIoofIed. rclee.sed,. conveyed and confiru:Jed. and by thete presents do E!!S grant, bargaJn. :'1."11, nUell, t:nfl...uff. release. convey and con6rm llDto tbe said party of the secood put. her heirs lWd assigns. THAT CERTAIN piece or parcel. of land situate' .in the Borough of L~hhyne, Count.y of Cumberland and State of Pen~sylvania, boun,ded and described as follows, to wit: ,i " :1 B~GINNING at a point on the southern side of'Walton Street three hundred thirty-seven and eight tenths (337.8)' feet measured in a westerly direction from Rossmoyne Street (Third Street); thence M:~Q33 pm 151 I E2!BIT - ~~ """'-~-~ , "".,~".~.-"",<~" <..,...,...'-.r"', .';:'0'" , southwardly alonq a line pa~al~el with Rossmoyne Street two hundred (200) feet to an'it-on'-pin, thenee west.wardly along lan.d now or formerly of ~1;1Y L., 'St.rayer parallel with wal ton Street sixty (60) feet ,tQ,.,an "iron p~n, ;thenee ,~orthwardly along said Guy L. Strayer's land" bn)-"'hundr,e,d''.,>,'(200') feet to an iron pin on the southern side of Walton Street, thence eastwardly along the southern line of Wal to:n St~ee,t sixty (60) feet to a point the Place of Beginning,_ . . HAVING thereon ereQted.8 dwelli~g ~nown and numbered as 338 Walton Street, Lemayne, P.ennsylvania. BEING the same premises which Esther E. Saylor, widow by Deed dated March 21, 1919~ and recorded. in. Cumberland County Record Bonk I 28, Page 692, granted and conveyed to Philip r. McCracken and Jtuth H. McCra,t:.-k,en, "bis,_wi,fe. '~nd the said Phili., F. l~cC.t"acken cUed the day .oE .. . ., 19 ' , 11!avlng to survive hill\ his wife Ruth H. McCracken 10 Whom' t!EIe vested by virtue of her right of survivor~hip under ope~ation of law. \N~,K <;\..~ ...... _ CuooIo. c.. Po. .);-... ..., ..... T'..... ,.. ~\""'h\ ~..~l> '* ~~, ::Q.' __\. e.. DCtt. co....' MIl __ M .b""''''..,J........ c:...I>. c.. 'Po. ~ &hho "'-fw 1. ,,~\~:\t.~i>.. D~~\~.., I.......... e.. hi... eel ;.... . ~ COMMONWEALTH Or pn IN:Y~\lj.J II/.- :-: DEPAiHM;:NT OF ~:f."f.I"U!: ~:; . :~;;;'''oe",... ~Vi3 6 G.~o:~ ~ r.....,I.~ 1.--___.__.___ ~ Q33 PAtf 158 -.d~' ~ ~" \1 I , I . ~~-'~',*,"i., "~~-~ I . ( TOGETHlm with aU and singulor the tmemenbl, bereditaments-and appurtOOeet to" the same ~ longing. or in anywise appertaining. and the revemaQ and mrenioDlo remaiuder aDd' remafnders. renb, inulls and profits tbereof. AND ALSO aD the estate, right, I:Itle,lnt~t.-PrOpe.rty..clalm and dem8Dd Whll.tsIK'v~r. botlt in law and equity, o( the said plllty of the first plll1, of, in, to, or Out ofthQ .Gld pre- miscs, Ilnd eVllry parJ and parcel thereof. TO ) (AVE AND TO 110m tbe sold premises. with alllllld singular 'the appuii~1lDCeS" unto the IBId part Y IJf the second plU't, her heirs and auigns. to "00 for the obi)' proper QSe aad hdllmf uf s:lid llurt Y of tho sec:GDd put. her beln and as.sIp forever. AND IIw said G:rantor for herself, her ii 'I [I il I' ,I " , ii , " heirs,. ('XeL'utors, and admlnlJtrlltors. does . by tbeso pr!lsCR~ ~llt.,:gnuit: IU1d agree to llbd with Ihe saM pwt y of the lecond part; her bcllS 'aDd i:Ufgb.. dlat . she tho soJd Grantor, her ' ," heirs, wi and singular the heredi~ftJ,llntl and pr~ ~c,ein abDVe des-cribed ud gruted, or ml1l1tfoaed and loll'mlL'll so to be. wilh tbe appurteracu:lCel UDtcI ~D,lalcl-~y. .. Qf ,the' second part. -her belts Ilnd ;usigns, IlgBlnst the said part Y oE the lkit part lllKf her hdrs,. aml agabut all and l'VIli)' othl,'r person or person" whomsoever. la~y c1aJmiDg OJ' to ~ the, ~ or any part thereof. "'<ill and will, by u.... pmeat<, shall 'WAllMN'1' AM) FoBEVEB DEFEND. IN WITNESS WlIEBEOF,1h. ,old party ollh8llnt put has baud aod K!a1 ~ the day and year 8nt written above. hereunto let her 'f i[ I ,I " 'i //I/<L '"t( -1,,7 "V:-r::;.,,_ ~ (, . wftu' ..1tUUi..lr;...fo!ce.i.acKe.o.............................--....~....~ ._....._..._.._._.._..........,.............__.................._~ -................-..............-....-.................................~ ..__.._..__........_--_._...._.._..__.................~ lItN'lD, DALID AND DII:LIVBMD IN TUI': fQSUlC& OJ' ~r~:........................ i} I, I :1 'I :1 j' " CEBTIFlCATE OF BESIDENcE I, hereby ct'.rtify that the precise residence of the grantee henm is as 'foDOWI l~~~:':...,~~~;~Y3 -~''"_. ,id"'~......'"......... ~~ .'Apd; .ana.. i , Q4,lJJmllnful'aJt~ .pi 'elln.~hmJlia } . Q!lJl1ntt!o~_............... .... O. Ibis, lb. I q-clv day Of~19S8 . beIwe... tbu umlersigot.>d omcer. personally appeared' R~th H: McCraaken \, . . : . 1 ~a~D ~',JJ~.(or satisfactorily proven) to be the person wbQse:l;lame is subsm:bed"to the I: ..;...,Iri~~'!\..1.~~t, and acknowl~ged that she eecutul the some fOl' the purpose tbeteiD contaiDed. :i,:1f~~:.~..~:Jpl'~~~~\s WHEnmF. I have bereunto set my ~ and notarial leaL "!JU~!I., ."~;;".:;;" " . ~,~\~:,.,r: :.,';ljl! /'n""", t BOo"- '." "',...'.'''-:..I...!iiExpins~.!?1...., .. ..U. ~..?~~.,-.:...., Ii ""..liqr.4~. ,,~, ii "."";,;,.,,,'1 GCn.v.1 33 PACE 159 I' ""'f II ...",b~ PA~.:~'f,\~.. "'l:MEQ~.~.'TMY. PUBlIC] MIP9l'l!X~"QIMIlE""'. .""'TV NVCCIf4MIS~'kPJ.i:IES'OCt.a. ,m- .....;~...Irln"k.... I 1 J I , I . j I I I 1 i , . i i i :! j' - , ,. '~ti"",,,,, . li.d:.A '~h 241-0060 FINANCIAL TRUST 356 P19/24 APR 27 '00 14:42 . HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE i!UGIBLE FOR FINANCIAL ASSISTANCE WJnCHCAN SA VB YOllR HOME FROM FORECLOSURJ:: AND HELP YOU MAKE FU7URE MORmAGEI'A YMENTs [I' YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCIi ACT 01' 1983 (TtIE MAC'!"), yOU MAY BE WGIBLE FOa EMERGENCY MORTOA-OE ASSISTANCE: . IF YOUR OEFAUL T HAS BIiEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HA VB A REASONABLE PROSPIlCf OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND i · IF YOU MEET OTHER ELIGIBILITYIUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOS nder!he Act, you are entitled to a temporary Slay offoreclosure on your mongagefor thirty (30) dayS &om dare of dlis NoIice. During tbal time you must ammge iIIld attend a "face..to-faceft meeting with 0Jle of the er eredi1 coomseling ~ listed ;It the end of this NO!ia.. I'HIS . TING MUST OC TIUN NEXT 0 AYS. IF YOU DO NOT PLY FOR EMER! 1'51 It Y 0 A . l"Hl;PARtOFTHIS OTICECAl.L.O MHOW MORTGAGE DEFA T" W MORTGAGE UP TO DATE. CONSUMER D COUNSELING MiEN If you meet with one oft!le consumer credit counseling agencioslisllld llUbe elld oflbis notice, the I lIlllY NOT take action against you for thirty (30) days after the date of this meeting. The names addresses III hone num of elMi ared c er ' c i ies for the coun in whic the is loc:aTA:d an: set forth allheend of this N 'ce. It is only necessary to schedule one f'aee..to-face 1IlIleQng. Advi$e ur Ieoder inunedimllv of your inllllltiOllS. A PL m 0 TGAGE AS 1 C Your mortgage is in dellwll for t!Ie reasons set forth later in this Notiee (soe following pages for speci information about the nature of your detllull.) If you have tried and are unable to resolve this problem with the IllJlder, you have the righllO apply for fl1tllllCiaI assistance from the Hol!lCOwner's Iimellleney Mortgage AssiSUl1lfS Program. To do so, you must fill out, sign lUJdfile a completed Homeowner's E1nergency Assistance ~ Application with one of the designated l:On$_ cndit COUlllleli:ng agencies listed at the end of this Notice. Onl~ conswner credit counselinf;l agencies have applications for the prognun an<ltlley will assist you in submittill II complete application to tile l'enn:sylYlUlill Housiug Finanoe Agency. Your applicalioll MUST be filed or within thirty (30) days of your filce.to-face meeting. YOU MUST ,1.LE YOIlRAPPLICATIO FOLLOW THE OrnER TIM~ PERlO PROCEKD AGAINST YOUR HOME ASSISTANCE WILL BE DENIED. PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT SET FORTH IN nus LEITER, FORECLOSllRE MAY EDIATEL Y AND YOUR APPLICATION FOR MORTGAGE AGENCY ACTION-Available funds for e~Y IlIOJtg3ge assilllllnce are very lil1\i~ They will be disbursed by the Agency under t!Ie eligibilily criteria ~li_5hed by th~ A:'. The PCIlIISylvonia HOWIUQJ r~ee Af,CUC"! \lias sixty (60) days 10 make a decision after it ves your applicallOlL During thai tune, 110 filr\leIasure proceedings will be pwsued against you ifyou bave met time requirements set forth above. You will be notified directly by the P lvania Housi Filutneo A its decision on our Iication. NOTE: IF YOU ARE CURREl"lTL Y PR ..crro BY THE FILING OF A PETITION IN BANKRUP1l'CY, THE FOLLOWING PART OF THE NOT CE 18 FOR INFORMATION PUlU'OSES ONLY AND SHOIllLD NOT BE CONSIDERED AS AN ATTEM TO COLLECT THE OEBT. (I' 00 bave filed baDkru}1 ou uD,.tiU apply for Emergenc Mortgage Assistaoec.) ~IBIT. I~ - "-""~'li'il$'!,t, 241-0060 FINANCIAL TRUST 356 P20/24 APR 27 '00 14:42 IWW 1'0 CURE YOUR MO,TGAGE DEFAULT (DrlDI! It DD to date). NAT~ OF mE DEl'AULT-tbe MORTGAGE deb! held by the above lender on your properlY located at: J4% Walton ~treeLLemope. fA 17043 IS SERIOUSLY IN DEFAULT~: A. YOU HA VB NOT MADE MON'ffiL Y MORTGAGE PAYMENTS for the following IlIOJItbs and the foDowing amounts are now past due: 51,,354.19 ($455.47 for 1126.5463033 for %126. .. 5435.99 for 3126/00) Other cbarga (elqllainlirmnizll):. T01'AL AMOUl'IT PAST DlJ}:: s .00 Sl,3S4.79 B. YOU HA VB FAIUm 10 TAKE UtE FOu..OWING ACTION HOW T~ CURE THE Dt:FAULT-You rqay cure II1e defilult within TIlIRTY (30) DAYS oflbo dale ofrhis notice lIY PAYING 1118 TOT AL AMO~ PAST DUE TO THE LENDER, WHICH IS ~J~~79. PLUS ANY MORTGAGE PAYMENTS AND LA CHARGES WHICH BECOME DUE DURING TWl THlR.TY (30) DAY PERIOD. Payments mllSl be made ei\ll bv cash. cashier'. cbllck. certified check or lllOnevOrder made J)a~able and sent to: ~ KeystoIIe IDItlIdaI Bank N.A. 14~ Ritaer lIwy Calle, PA 17613 Yau cIPI cure any other defillllt by raking the rUowing action within THIRTY (30) DAYS of the date oflhi. letter: lli' YOU DO CV you do DOt cure !be default wiIbin TIfIRTY (30) DAYS of!be date oflhis Notice, thel iDlendHn . its ri Ills to accelera'" e edebt. This means that the entire outstanding baIaIICe otthis,,~ will COlISidered due imnIel!lal!dy and you may lose tile cIumce to pay the lll()rtgage in mOQthly iastallmums. Iftwl pa; ent oftbo 1013I amount past due is not made witllin THIRTY (30) DAY. S. tile lender also inteads to iJIsIruct i1s c: 10 smn legal action to roreeIose. DDOn vollr mOr1i!al!ed prooertv. MOaTG. . . FO '.. LOSE N The mortgaged property will be sold by II1e Sheriff to pay off the mortgage debt Jfthe lender refers yO\U' to i1s altomeys. but you ClDll the deIil1quency befure the lender beglDs legalprocmll"&,, against you, you w'l ~II be required to pay the rea&Ollbblaaltoiney's fees that were BA:tUaUy inClll'ftlCl. up to $50.00. However, if pi pmeeediDgs are staJUd agalpst you, you will have to pay all reasonable auomey's fee$ at:tUally imaJrred the lender _ if they exeeed SSO.OO' ADy auomey's fees will be added to me _t yoll owe the \alder. w ch ilia)' also include od1er reasonable costs. IhOD cure th~ default wltlllu the TJIlRTY /30'1 DAY period, \IOU Wl1I DOl be reauired to dB\I attomev's fees. OTOER LENDER REMED~The len I IIIB)' also sue you pmonaIly for the unpaid principal balance and all other sums due IIDlIer the mortgage. TO SHE .. SAU-Ifyou blwe. DOt cured the de1iwIt witbi!t proccecIwfl,$ have b!:pn, yeu still~~ye theri!!ht tI?1;\\'" tl\r'delkult .before . 5 Sale. ,.do.50 ',.the t a1e'0f Ie. aad. ~ 8fI .0 c<lftIItctecl with the Sheriff' as" .,.... and nni other . . CtrriIIJ Yl/flr cldlillltiath l!iIIiIaeueUorlb iIllhls notice wUl restore your mo!1l1lP to the me positiOD as if you bad Dever defaDIted. ARLIEST BL S8 IFF'S S D TEr-II: is estimated that the earliest dale that suc;b Ii Sheriff's Sale oflbo mortgaged property could by beld wo ld be approximately four (4) IDOIlths &om the date of tIlis Notice. A IIOtice of the lIl:lulII date of the Sherift's e win be sent to you before tbo sale. Of COUl5e, the amount needed to "''''~1il1:l.. - [\N'-J,"'2,-, 241-0060 FINRNCIRL TRUST 356 P21/24 RPR 27'00 14:42 f~ CIII'C tile default ~ increase tile 1000ger YOll waiL YOIIIllaY fiJJd out at any lime exacdy wita, the ~lIircd payDlClll or action will" by ~g tile lemIer. HOW TO CONTA.Cf'lljE LENDER: NalIle oILeD..., ~ M~ ...... NA AddRlll 1415.ltitaer........ Pbope NDIlIIIet: m~:Ul-,," FuNDinller: (7]7l24'..-o COlltht Persoo: Klm~ 0. Hamllllllld EFll'ECT Qf ~RJIIIr'S SALJ-YolI sbf.dd n:aIia lhat a Shlnff's Sale ",m IlIId yolII' oWllel'Ship of tile IIIIlIfPCcd fII1IlIO!ly lIIId ycmrright ro occupyi it. tf you -mnuc ro live ia the property alter the SQrift"s s.Ie. e lawsIIit ro I'!DOVIl you lIIId your tilrniohl'lg" ~ 0Ibcr beJoasiqp c:olllcl be __ by tile IllIIder at my time. ~qN OF MORTGA.GE-You.,., <<may not (''''''''llp'i<m is depl:DdeDt upon origipa/ matlpge ~).siII or trlm5ti:ryour ~1ll a Jmycr orll'lalSf.eree who wiI1_ the ~ debt, pIQ'Yided lbl\leU the 0IIl5tlIIIdiiIg pIIyIIIeIlU, chIrgeS and '5 fees aucI costs are paid prior ro or at the sele 8Dd 1bat the ather requlremculs oftha IftOI't8&SC are ~e4 YOll . TO SELL THE PROPERTYtoOBt BORROW MONEY FROM ANO VI MONEY TO PAY OFFnm MORTGAGE DEBT OR TO LENDING lN$Tl'I'lII1ON TO PAYOFF THIS DEBT. ANY nmw PARTY ACTING ON YOllR BEHALF. TO THE $AMEPOSmON AS IF NO DEFAULT HAD ULT. (HOWEVER, YOUJ)()NOTHAVlITHIS RlGHTTO TIIREE TIMES IN ANY CALENDAR YEAR.) · TO HA VB THE MORTGAGE OCCURRED, IF YOU ClJRE TIlE 0 CURE YOUR DEFAULT MORE · TO ASSBRT THE NONBXJSTENCE: 0 A DEFAULT IN ANY FaRECLOSUlUU'ROCEEf)ING OR ANY OTHER LAWSUIT INSTInJTEl) THE MORTGAGE DOCl:lMENTS. . TO ASSERT ANY OTHER DEFENSE au BELIEVE YOU MAY HA \IE TO SUCH ACTION BY THE LllNDER. · TO SBllK PROTECTION UNDER THE CONSlIMER CREDIT UN~~ AGENCD:S SERVJNG YOUR COUNTY ConsuaIet Cnldit CouascIiDg Semce ofWest.em l'clmsyIWl'lia. IDe.. 2000 f lAsJl!$l'OWIl ROIId HmrisbUl& PA 11102 (717) S41-I7S7 YWCA 3(11 G SIRd Carlisle, fA 17013 (717) 243,3118 SiDcereIy ~~~#~/~ LoIIIl Worlc.out 0fIiccr KDHIIf - .<,-~~ H-H 241-0060 FINANCIAL TRUST 355 P15 APR 27 '00 14:35 HOW TO CURE YOUR MORTGAGE DEFAULT (Brin, it '!ll1O dale\. NATURE OF THE D~AUL T-The MORTGAGE debl held by the above lender 011 your pr~ 10C8llld at: 341 Walton StreeL Lemovno;. PA 17043 IS SERIOUSLY IN DBf'AULT because; A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS fur the fullowing mOlllbs and tiIJe following amounts are now past d....: $1,354.79 (S4!5.47 for lIZ6. $463.33 rot 2Il6, &: 5435.99 for 3Il6IOO) Other charges (explainfrtemiu): TOTAL AMOUNT PAST DUE: S .110 51,354.79 B. YOU l!I\ VE FAILED TO TAKE THE FOLLOWING ACTION HOW TO ~ TIJE QRFAULT-You ~y cure the default witbin THIRTY (30) DAY::! Of the dl\!l: of this notice BY 1'/\ VlNG TOil. TOTAL AMOUNfT PAST DUE TO THELENDE~ WHIC~ 1$51.354.79. PUIS ANY MORTGAGE PAYMENTS AND LA CHARGES WHICH BECOME DUE DUIUNQ TIlE tmRTY (30) DAY PERIOD. "" DlUSl be made' v cnh. ....hier's certified order made _ble and sent 10: Keystone tmancial Bank N.A. 141~.Ritner Hwy Carljl\; PA 17013 You can QlTe l/IfY other delimit by taking the illowmg action within THIRTY (30) DAYS of the dale of this letter: IF YOU DO NOTCIJRE THE DEFAUL~-hfYOUdo noleure the dcfiIUIl within THIRTY (30) DAYS of/lie date of this Notil:e, e. f'lntends to e' ri ro _te the DIG e This means tha1 the entire outs1allding balance of this ilebl will be considered due imIl1edia1e1y and you JlllIY lose the chance to pay the mOltgage in monthly inslallllmlts. lffull pa en! of the lolal ftlI10unt past due is DOt made within THIRTY (30) DAYS. the lender also intends to iDsUUCl its reyS to sl8rllegal aaion to roreel~ 01100 ~ur mOrll!8l!ed Pl'1lnertv. IF THE MORTGAGE IS FORECLOSED pPON-The mongaged JllVPert)I will be sold by the Sherilfto pay oft' the IJlllrtg8ge ~bL If the Iendi:r rilfets your ~ to its attomeys, but you CIlJ'e the delinquency before the lender beps legal ptoceedings against yO\l, yo.. wi~ slill be ~Ild to pay lIle _DObie aIlOI11ey's fees lIlat were actually incurred,. up to SSO,oo. H. owe\'. er, if~egal ~;T are. Slarled agaimt you. YOI1 will have to pay all reasooable attomey's fees 8CIIIal1y incurred the lender evl:Il if they exc:eed $50_00. Any attorney's fees will be added to the amount you ow<: the lender, w . h may also include other IeISlUIable c:osts. Ir VOIl ellre the default wit!lio the THIRTY (30\ DAY aeriod. ~ou wiD not I!F reallil'ed to lIIlV attorney's fees. OTHER LE~ER REMEDIES-TIle ~ may also sue yOU pmon;uly for the IIIlpaid principal balance and all other SIDIIS due uDder the mortgB&e. I RIGHT TO CURE TOE DEFA,\lJ. T PRl~ TO ~s SAl.&-Ifyou ha~ not outed the de1iw1t witbiII the THIRTY (30) DAY period and fon:cl~ pJOcee1l~ ~e be$UD. yon still have the ri.mt r.o cute the delimit llI1d oteVeIIl the sale aIlIl\,vftDleun to one ~fure the~ You ma;;:~W12 the totaJ;;n'oUJrt th~ past due. nb any late or other .h ~ due. "'?......hl" lllIOl')!.tV's fees and moIS connected with the .1 aod another non . e Sheriff's Sale.. . in wrilin b and b . 811 other i under the e. Curial: your deIllllli In CI1e manner set fortb In this no. will restore YOllr mor1pl:e to the sar position as ifYOD lIad never defaulted. EAR T POSSIBLE S S SAL D TE-tI is estima1cd lbaI the earliest Sberiff's Sale of the mOllpged properlY o;ouId by held wo buppro:dmateJy rlIlIr (4) mo. ~ ,\l'il,~L, .' . .,. A notice ofllle 8CIIIal date of the Sheriff's S will be sent to you before the sal.. Of ~,,"', "I"E~". ,~v - . ~ 1)Gi.",c ~"~. .......-., - -=~!f"~ ~""j." 241-0060 FINANCIAL TRUST 355 P16 APR 27 '00 14:36 GUIll the defiIuk will im:raase th~ kmger yeu wail. 'lOll may IIDd out M any lime cxacdy what the fOqIliIcd payment or lU:lioD will be by l:OIIIaCliD& the Ilmder. HOW ro CONTACf 'J'JIE LENDER; Name of I,.cacler: KevItoIul '1l'In._llhn. NA Address: t415~ flildan'{l PItoJur NWllber: 17111241-'7199 Fu Namber: f7t7) 24t-'ooilo Contaet Pel'lOll: Kim~ n. Ham_ad K1I'FU:'l' OFW~ ~rYOll sbOlI\d mdi2ie that a SIleriff's S8Ie will Clldyour owucrship of the lDllrtgagcII ~ lIlI4 your riglnlD occupy it. If you ~..to ~ ill the pIVpI'rty aIlIlf!lle SIlefUI's SaIl; a Jawmit to nmIO'lIC )'Olllllld )IOUI' lilnI~h;'l8" aml oIIrer ~ cuuJd be SIlItfIId by the IaIder at IlIIY tbne. A8SUMPll'JONO~ MQlf.)'GAGE-Yol1 -111 or ...y DOt (assuarptioa is .....ol""t lIpOIl orisjaaI IIIonpge 1Igll:eDU:JIt) sell Of~your home to a ~ or lr.mStaeCl who will ~ the ~ debt, provlded.lhat all the OQIStalIdiDg pilymeDts, ehargc$ aIId 's fees lIlld CQStS lIlll paid prior to or 1Il tile sale lIJld that the other requiramelllts of the mongage 8lC satisfied. y U Y RAVE THE RIG , . TO SELL THE PROPERTY TO 0lfT MONEY TO PAY OFf nm MORTGAGE DEBTOR TO BOlUlOW MONEY FIlOM ANOTHER. LENDING INSTlTUTlO'N TO PAY OFF THIS DEBT. . TO HAVE nus DEFAULT CURED B AN'{ nuRD PARTY ACTING ON YOUR BEHALF. . TO ASSBRT THE NONEXISTENCE 0 A DEFAULT IN AN'(l'OllECLOSURE PROCEEDiNG OR AN'( OTHER. LA WSUlT 1NS1Tl'UTED Ell THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER. DEFEN~E O.U BEUEVE YOU MAY HAVE TO SUCH ACTION BY nm LENDBR. . TO SEEK PROTECTION UNDER fED1l1lAL BANKll.l.Jl'TCY LAW. CONSUMER CREDIT UNSELlNG AGENCIES $JUl\IING YOUR COUNTY TO TIlE SA1l4E POSmON AS IF NO DEFAULT HAD ULT. (HOWEVER, YOU DO NOT HAVE1lUS llIGHTTO THR.EETlMES IN ANY CALENDAR YEAR.) . TO HAVE THE MORTGAGE RESTO OCCUllRED, IF' YOU CU1lIi THE D CUIW YOUR DEFAULT MORE YWCA 301 0 Stteet Carlisle, PA 17013 (717) 243.3818 c-umrt'CRdit CouaseIiDs Semce ofWcsrcm 1'caIlsyI_ia. bIc. 2OllOL~~ HanisllUrg. PA 17102 (717) 541-17S7 1et~~frI/ Loan WorIalut Ot'lica' KDHllf 241-0060 FINANCIAL TRUST 356 P19/24 APR 27 '00 14:42 .. .' HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE FA YMENTS IF YOU COMPLY WITH TIlE PROVISIONS OF TIlE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOtI MA '\( BE ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECf OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND I . IF YOU MEET OTHER ELIGIBlLllQUIREMENTS ESTABLISHED BY TIlE PENNSYLVANIA HOUSING fINANCE AGENCY. TEMPORARY STAY OF FORECLOS --Under the Act, you are entitled to a tempol'8lj' stay of foreclosure On your mortgage for thirty (30) dayS from ~ dare ofdlis Notice. Durin!; tblll time yOU must arrange and attend a "face..to_facen meeting with OIIe of the conswper credit =ling ~O$ listed ill tbC end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYs.. IF YOU DO NOT APPLY FOR EMERGENCV MORTGAGE ASSISTANCE, YOU MUST ~RING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW CURE Y UR MORTGAGE DEFA 1" E W MORTGAGE UP TO DATE, CONSUMER CREDIT COUNSELING AGENCIE5-Ifyou meet with one of lite consumer credit counseling agencies listed at the end of this notice. tbC lefdct may NOT take action lIgainst you for thirty (30) days after lite date of litis meeting. The names addresses and telenhone numbers of d..ienllled c(!!>Sumer credit counscline: encies rthe c in which lite rtvlis located are set forth at Iheend of this Notice. It is only necessary to schadul. one face,to-fa.e meeting. Ad""" y ur lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mOltgage is in detault for the reasons sel forth later in this Notice (see following page. for spccitU: infonnanonabout the nature of your defitult) If you bave tried and are Wlable to resolve litis problem wilit the I,,*der, you bave the right to apply for finan.ia1 assistanc. from the Homeown.r's Emergency Mortgage Assisran,ce Program. To do so, you must fill out, sil;U and file a completed Homeowner's Emergency Assistance Prograql Application with on. of the dcsignared COUSllUlet credit COUll$oIing agencies listed at lite end of litis Notice. Onlf conswner credit counseling agencies bave applications for the program and litey will assist you in submittinp a complete applil:oUion 10 th.l'cnnsylvania Housing Finance Agency. Your application MUST be filed or ~ within thirty (30) days of your fuce-to-face meeting. YOU ~ FILE YOURAPPLlCATlOI'! PROMPrLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERlO~SET FORTH IN THIS LETTER, FORECLOSURE MAY }'ROCE&D AGAINST YOUR HOME 1EDlATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION-Available funds for e~ency Il1Ortg1lg. 8SSis1ance ate very limited. They will b. disbursed by lbe Agency urn!er lite eligibility criteria esF.blished by lite Act The Pennsylvania Housing Finance Agency bas sixty (60) days to make a de<:ision afia" it ~vos yQl)t applioation. During that time. no foreclosure proceedings will be pursued against you if you have met t\le time ""Inin:mClllS set fulth above. You will be notified directly by the Penn lvania Houai Finance A of its decision on ()UI' lioa%ion. NOTE: IF YOU ARE CURRENTLY P ECfED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THE NOT~CE IS FOR. INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN A'ITEMfI'TO COLLECf THE D&BT, (If you bave filed bankrupt<: . u ""D .tiD apply for Eme eu. Mortgage Assistallce..) I . J)BIT ""~'~t"!'", 241-0060 FINANCIAL TRUST 355 Pig APR 27 '00 14:37 , ' , , liOMEOWNER:S EMERC\ENCY MORTGAGE ASSISTANCE PROGRAl\II YOU MAY BE EUGIBLE FOR FINANCIAL ~ISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FU'TURE MORTGAGE PAYMENTS I , IF YOU COMPLY WITH THE PROVISION~ OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT Of 1983 (THE "ACT"),1 YOU MAYBE EUGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAU~EO BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PRO~PECT Of BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND , I . IF YOU MEET OTHER ELIGIBILlTYIUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING fINANCE AGENCY. TEMPORARY STAY OF FORECLOS nder the Act. yoll are emitIed to a temp01'lIIy sray offoreclosW'e on your mo~ for thirty (30) dayS from dare of dlis NoIiee. During tIw time you must amIIlge and attend a "face..ro-filce" ~!l wilh one of the er credit ~iIIg ~ listed at the end of dlis Notiee. THIS ME T1NG MUST OCCUR WITIU EXT DAYS.. IF YOU DO NOT APPLY FOR EMERGaNCY 11 ITA Y OOA . THE PART OF THIS NOTICE CAI..LEl> "HOW MORTGAGE Di!FA T" W MORTGAGE UP TO DATE. N Ifyoll meet with one of the consumer c:rewt counseling . may NOT take aaioo B$&inst yoll for dlirty (30) days after the rei hone num .of desi c umer . . . is locau:d lire selfo at e l!IIdofthiS Notice. It is only necessary to ur leader i_l!diaJelv of your inlblltiOllS. A N C Your mortgage is in deliwlt for the reasons set forth !aler in litis Notice (see following pages for speci information aboul the nature of your deliwll) If you have tried...d are Wlable to resolve this problem with the 1 der, YOIl have the right to apply for fllUll\CiaI assistance li'om lite Homeowner's Emergency Mortgage Assi Prognun. To do so. you mllSl fill out, sign ...d file a c:ompleted Homeowner's Emergency Assistallce Application with one oftbe d"';&"A"'<Il:OR$tlJllet credit CO\UlSeling agencies Ibled at the end of this Notiee. Onl COlISumer credit COIlIISCling agencies have applicaticms for the program 11I<1 they will assist you in submittill a complele llllPl~ to lite l'elitlsylvania HOlISiug Finance Ageney. Your application MUST be filed OT within thirty (30) days of your filal.to-filce meeting. YOU MUSt' FILE YOIlRAPPLlCATIO PROMPTLY. IF YOIl FAIL TO DO SO OR IF YOIl DO NOT 241-0060 FINANCIAL TRUST 355 P1S APR 27'00 14:37 ;.;;:... 3.;; '] O/.,s' "113 , , , ~g~lf March 27, 2000 ACT 91 NOTICE TAKE ACTION TO SA VB YOUR HOMEFROMFORECLOSURE i This is an official notice that the mOTMal!ft on 'vour home is in default. and the lender intends to foreclose. Specific information about the nature of the default is nrovided in the attached n~es. I The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM rHEMAP) may be able to helD to save VOID' , home.. This Notice ~laiM how the FOmmII works. To see ifHEMAP can helD. vou must MEETIWITI'! A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF 1liE DATE OF TIllS NjCE. Tak:otice with vou when vou meet With the Counselin.. The name. address and phone number of c~um"" Credit COWlS.lim! Al'""cies servinS you County are listed at the end ofth!. Notice. If vou have any QUestions. vou may call the Pennsylvania Hous!nl' Firnlnce A..erteV toll free at l-llO0-342-2397. (Persons wilh illlDllired hemin.. can call nl7) 7&0-1&691. This Notice coDlains impOI1alIt legal iIl~on. If you have 31l)I ques1iODS, representatives at 1I1e CoIlSlllllef Credit COUIISCling Al:ency may be able to help """lain it. Y"" may also WlIIlt To r;o=l an lIltonley in yOur """'- The local bar asso<:iaf" may be able 10 help you find a lawyer. LA NOTlFlCACION EN ADJUNTO ES DElsUMA IMPORTANCIA, PUES AFECT A SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. l:!l NO COMPRENDE EL CONTENlDO DE ESTA NOTIFlCACION OBTENGA UNA TRADUCClON lNMEDqAMENTE LLAMANDO ESTA AGENClA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CAll90S AI. NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGlBLE PARA UN PRESTAMO POll. Ef. PROGRAMA LLAMADO "HOMEOWNERS'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" CUAI. PiJEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA. HOMli:OWNER'S NAME (8): R_marv E. Grant. DBA: REGrant ComDIIDV In"- PROPERTY ADDRESS: 338 Walton Slreet. Lemovne. PA 17043 LOAN ACCT. NO.: 198979-30012 ORIGINAL LENDER: FarmcnTrust eomDllnv CURRENT LENDERlSERVIC : KevstDne Financial 'A.nll NA EXHIBIT 15 "",--~-~~ " -"" ~' ~ u"" . ~;l;~;~~ 241-1<l1<l61<l FINANCIAL TRUST 355 P14 APR 27 'I<ll<l 14:35 Ii [:; , I:, . ' , I .'''' , . . HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FLfI1JRE MORTGAGE PAYMENTS '" I:' IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT 01' 1983 (THE "ACT'), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAU~ED BY ClRCUMST ANCES BEYOND YOUR CONTROl.. . IF YOU HA VB A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND I . IF YOU MEET Ol1fER ELIGIBILITY QlJlREMENTS ESTABLISHED BY TIlE PENNSYL V ANlA HOUSING FINANCE AGENCY. TEMPORARY STAY F F m:ler the Act, you lIle emilled to a tempo~ stay of foreclosure on your mortgage for thiny (30) days from th date oflbis NOlice. During that lime you must ammge and alteDd a "face-to-face" meeting with one oithe cQOS~ credit couoselill& agencies listec!at!be end oflbis Notice. ~ MEETlNC MUST OCCUR WI~HJN 1'Qf; NEXT 130) DAys' IF YOU DO NOT APPLY FOR EMER,OENCY MO~:rof\GIf ASSI~TANCE. YdU MUST fRING YOURMORTGAOE UP TO D.o;TE. THE PART OF THIS NOTlCECALLED"1l0 TOCUREYOU MORTGAGE DEFAULT" '. ' ..' W ." GYO MORTGAGE UP TO DATE. N R , .IT COUNSLING AGE CIES-Ifyou meet with one oithe consWDer credit counseling agencies Ii$red. althe end of this OOtice. the I dermay NOT IlIke aclion againsl you for thirty (30) days after tile date oftllis meeting. The nam addresses d tt:l bone IlUJllbem of. i aU:,.. ,e i selin encies to the co in which the ro is located are set forth at the en o this N . . It is only necessary to schedule onefilce.to-face meeting. Advise lender immedialelv ofyPUl' iDt.entions. APPLlCA TION FOR MORTGAGE ASSIST ANCE-Y OUT mortgage is in default for the reasons set forth later in this Notice (see tollowilig pages tor speci~c infonnalion about 1be IIlIlUle of your cIefaulL) Ifyoll have tried ll!ld are unable to l\!SOlve tIIis prohlein with the lejlder. you have 1be right to apply for financial assis1ance from the Homeowner's Emergency Mortgage Assistalj\:e Progr.!1ll. To do so, you must fill out.$ign and file a completed Ho)IlleQWntr's Emergency Assis1lll\cc Pro~ Applil:ation witb one oftbe designaled COD5!IIDer cn:dit counseling agencies listed at the end of this Notice. On~ COlIS\IlIltr credit couosolillgagelicies have applications tor the program and tbcy will assist you in sUbmininf a complete application 10 1be Peunsylvaoia Housing Finance Agency. Your application MUST be tiled or postmmt within dJirty (30) days of your fiIl:e..to-face meeting. YOU MUST FILE YOUR APPUCATl;;OR.OMl'TLY' IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PElQO, st1' roRTH IN nos LETTER. ro~l:.()SlIaE MAY PROCEED AG"'INST YOUR HOME I' lATELY AND YOUR APPLlCATl()N FOR MORTGAGE J\SSlSTANCE WILL BE DENtED. AGENCY ACTION-Available funds for "f~ mortgage assis1an, co, are very limited., ,'l"hey, will be disbursed by !be Agency under the eligibilil:y criteria ~ished by 1be AcL The PetIIIS)'lvaIlIa Hol!Sing Finllm:e Asencr lIaS sixty (60) cia. ys to make a decision after it =fives your appliCllllOD.,. During that lime. 1\0 forel:IOSUte proceedings will be pursued against you if you have me! tF time requirel1lOlltS set forth above. You win be notified ditectly by the Peuns Ivaaia Housi Finance 0 ,its decision on our lication. NOTE~ ll!' YOU ARECuRR.E~Y PH CfED BY TIlE FlLINGOF A PETITION IN BANIQUJP'll'CY, THE FOLLOWING PART OF TIlE N eElS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT 8E CONSIDERED AS AN ATTEMfI'TO COLLEer TIlE DEBT. (If ou bave filed baDkru !lOU ean still a Iy for illleflleney Mo e .....istllll<e.) ~', I;~ ' " .'-'" ,', - ~~ KEYSTONE FINANCIAL BANK, N.A.- : IN THE COURT OF COMMON PLEAS OF PLAINTIFF : CUMBERLAND COUNTY, PENNSYL VANIA VS, : CIVIL NO, 2000-2681 ROSEMARY E, GRANT IN MORTGAGE FORECLOSURE DEFENDANT CIVIL ACTION LAW PLEASE MARK THE ABOVE CAPTIONED MATTER SETTLED AND DISCONTINUED To:---CURTIS LONG --Prothonotary SEPTEMBER / ~2000 ,~iloilli&_ "~,.....~"'~" ~_~II,~ <~,,-,,"--~,--. . ~~ '~~~1I1 .=~,,~,~L ,,< .~I1t1li'~ ,""""'".,.-......,- .. ~ liliJlJU"lI ~, ~"-, ,'~-- ". '""'"" ~" () 0 0 C C) ? 71 -Ow en -~ '!!pfTl f'Tl "'~"' ;r) -0 r:~1ifJ ZS;; ,,\,]'r71 C/)> tD "'~, _---::I -<.0:... ",:.;,y ~O V ~tO ~O :J:~ 3: Qi5 --'0 >c ~ Om ~ <.n ~ -< f1:lj