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(bair96.com)
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by merger
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
Plaintiff,
vs.
CIVIL ACTION - LAW
MARY E. BAIR, SURVIVING TENANT BY
THE ENTIRETY,
NO.: 0185
Civil 1997
and
UNITED STATES OF AMERICA
c/o United States Attorney
Federal Bldg., 228 Walnut St.
Harrisburg, PA 17101
Defendants.
IN MORTGAGE FORECLOSURE
AMENDED COMPLAINT
COUNT I
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK,
BY MERGER VS MARY E. BAIR, surviving tenant by the entirety.
1. The Plaintiff is First Federal Savings & Loan Association
of Harrisburg, now by merger HARRIS SAVINGS BANK, a corporation
organized and existing under the laws of the State of Pennsylvania
and having its principal place of business at Second and Pine
Streets, Harrisburg, Pennsylvania, 17101.
2. The Defendant is MARY E. BAIR, an adult individual
residing at 842 Bosler Avenue, Lemoyne, Pennsylvania 17043.
3. The premises contained in the mortgage herein were
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conveyed to Richard S. Bair and Mary E. Bair, his wife, the above
Defendant, by deed from Lillian B. Jones dated September 6, 1984,
and recorded in Deed Book 30W, Page 789, which deed is hereby
referred to and made part hereof by reference.
4. The said Richard S. Bair is now deceased and the above
Defendant thereby became the sole owner of the mortgage premises
as the surviving tenant by the entirety.
5. The plaintiff herein does hereby release the said Richard
S. Bair and his estate from liability for the debt secured by the
mortgage hereinafter mentioned as provided by Pa.R.C,P. 1144(b).
6. This is an attempt to collect a debt, and any informatio~
obtained will be used for that purpose.
7. The said Richard S. Bair and Mary E. Bair, the Defendant,
on September 7, 1984, entered into a mortgage loan indenture with
First Federal Savings and Loan Association of Harrisburg, now by
merger Harris Savings Bank, in the principal amount of THIRTY SEVEN
THOUSAND AND 00/100 ($37,000.00), DOLLARS, the terms of which loan
are more specifically evidenced and set forth in the mortgage
indenture dated September 7, 1984 and recorded on September 10,
1984, in the Cumberland County Recorder's Office in Mortgage Book
760, Page 454, a copy of which is attached hereto, marked Exhibit
"A", and made a part hereof by reference, which mortgage contains
and is a lien upon the property situate at 842 Bosler Avenue,
Borough of Lemoyne, Cumberland County, Lemoyne, Pennsylvania 17043,
being improved upon with a dwelling.
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8. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated September 7, 1984, a copy of
which is attached hereto, marked Exhibit "B", and made a part
hereof by reference.
9. First Federal Savings and Loan Association of Harrisburg,
now by merger Harris Savings Bank, in consideration of the said
Mortgage and accompanying Note, advanced to the said Richard S.
Bair and Mary E. Bair, the Defendant, the sum of THIRTY SEVEN
THOUSAND NO/I00 DOLLARS ($37,000.00).
10. The premises subj ect to
specifically set forth in Exhibit "CO,
part hereof by reference.
11. Mary E. Bair is the sole owner of the said premises
contained in said Mortgage as surviving tenant by the entirety.
12. Said Mortgage and Note have not been assigned in whole
or in part by the Plaintiff herein.
13. Mary E. Bair, the Defendant, is the record owner in fee
simple of said premises by virtue of a Deed dated 6th September.
1984 and recorded in the Cumberland County Recorder's Office in
Book W-30 ,Page 789. and the death of said Richard S. Bair.
14. No Judgment has previously been entered on said Mortgage
or Note in any jurisdiction, and said instruments are less than 20
years old.
15. The said Mortgage is in default because Defendant herein
failed to make monthly payments of $373.62 that were due and owing
said Mortgage is more
attached hereto and made a
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for the months of July, August, September and October, 1996 and a
monthly payment of $371.20 that was due and owing for the month of
November, 1996.
16. The Plaintiff has given to the Defendant written notice
of intention to foreclose on said Mortgage as required by law under
Act 6, dated
September 10, 1996, copies of which are marked
Exhibit "C" and "D" and attached hereto and made a part hereof by
reference.
17. The Plaintiff has given written notice of default to
Defendant as required by the Homeowner's Emergency Assistance Act
of 1983, dated September 10, 1996, copies of which are marked
Exhibits "E" and "F" and attached hereto and made a part hereof by
reference.
18. The entire principal amount of THIRTY SEVEN THOUSAND
00/100 DOLLARS ($37,000.00) has become due and payable, together
with interest at the current rate of 8.625% per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said Mortgage less such sums as have been paid on account of
principal of the said mortgage and costs,
19. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $ 1863.00.
20. The Defendant is liable to the Plaintiff for interest at
the current rate of 8.625% per annum until paid and expenses as
provided in and collectible under the mortgage documents that will
accrue until distribution by the Sheriff of Cumberland County,
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Pennsylvania, to be computed at the time of judgment in these
proceedings in addition to the current loan balance and thereafter
until paid.
22. The Defendant is liable to the Plaintiff for the
following on said mortgage loan:
A.
Principal amount and interest
due through 11/30/96
$ 33,552.08
B.
Interest at the rate of
8.625% from 12/01/96 to
1/10/98:
$ 3,128.17
262.74
C.
Late Charges (through 1/10/98)
D.
Attorney's Collection Fee
$ 1,863.00
$ 324.03
$ 39,130.02
E.
Escrow Due
TOTAL:
23. The Plaintiff believes and avers that the Defendant is
not a member of the armed forces or is in the military service of
the United States of America.
COUNT II
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK
by merger, VS. UNITED STATES OF AMERICA.
24. Paragraphs 1 through 23 are included herein by reference
as if set forth in full,
25.
Defendant UNITED STATES OF AMERICA
has filed the
following tax liens against Defendants Richard S. Bair and Mary E.
Bair:
A. 1994 - 01723 Entered April 6, 1994, $22,782.53: U.S.
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Treasury Dept., P.O. Box 12051, Philadelphia, PA 19105, vs. Richard
S. Bair and Mary E. Bair, 842 Bosler Avenue, Lemoyne, PA 17043,
April 6, 1994, corrects original notice filed May 8, 1990, to 5396
filed May 8, 1990, in the amount of $22,782.53. Copy of the
Federal tax lien filed is marked Exhibit H, attached hereto and
made part hereof by reference.
B. 1994 - 04009 Entered July 19, 1994, $12,243.67: U.S.
Treasury Dept., P.O. Box 12051, Philadelphia, PA 19105, vs. Richard
S. Bair and Mary E. Bair, 842 Bosler Avenue, Lemoyne, PA 17043,
July 19, 1994 corrects original notice filed AprilS, 1990 to 5365
file entered April 5, 1990 in the amount of $22,565.16. Copy of
the Federal tax lien filed is marked Exhibit I, attached hereto and
made part hereof by reference.
C. 5651 - Federal Tax Lien - 1990 Entered December 17, 1990,
10,863.23: U.S. Treasury Department, P.O. Box 12051, Philadelphia,
PA 19105 vs. Richard S. Bair and Mary E. Bair, 842 Bosler Avenue,
Lemoyne, PA 17043. Copy of the Federal tax lien filed is marked
Exhibit J, attached hereto and made part hereof by reference.
D. 5688 Federal Tax Lien - 1991 - Entered January 15, 1991,
$3430.35: U. S. Treasury Department, P.O. Box 12051, Philadelphia,
PA 19105 vs. Mary E. Bair and Bairs Craft Workshop, 900 Market St.,
Rear, Lemoyne, PA 17043, Copy of the Federal tax lien filed is
marked Exhibit K, attached hereto and made part hereof by
reference.
E. 6935 Federal Tax Lien, -1993 - Entered September 27, 1993,
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$1169.90: U.S. Treasury Dept., P.O. Box 12051, Philadelphia, PA
19105 vs. Mary E. Bair and Bairs Craft Workshop, 900 Market Street,
Rear, Lemoyne, PA 17043. Copy of the Federal tax lien filed is
marked Exhibit L, attached hereto and made part hereof by
reference.
WHEREFORE, the Plaintiff prays the Court to enter judgment
against the defendant, UNITED STATES OF AMERICA, directing that the
mortgaged premises be sold in foreclosure and sale free and clear
of the Federal Tax liens set forth in paragraph 21.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against the Defendant, MARY E. BAIR, of Mortgage Foreclosure and
sale of the mortgaged property, with damages in the amount of
$39.130.02, together with additional interest thereon, costs and
all other amounts advanced by Plaintiff until paid.
DATED:
f_11 A ::J
s
, 1997
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ROBERT E. MYERS, ESQUIRE
100 York Road
New Cumberland, PA 17070
(717) 774-3163
Attorney I. D. No.: 09729
Attorney for Plaintiff
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.c, Ch.r_"i 1.1'"" nnnO\l.tr \hlll ray 1\11 rIlU\, "WwlI,nU. eha"r\, "n,.lIl1lt IIlll'(l\illcl"' 1l1l,ltJulilt-'e In lilt
r,('Il'~")' which nllllY Illl\in fuiolil)' O\tr Ihi, ~(llfIIY 1"\I"llIIt"'. IUlIllntth(\ld rA)n1tIlU (If 8'('11111I1 "nu, i( 1111)'.
DlIfllJ"'(' .hall rlY Ihl"t "hll.tolinn, in Iht ",.lInn 11Invj.l"t ill rAu'lIf'h " nr Ir,lt'll r"id in "liIlllllllnnrr. nOllt\l\ff ,h1\1I
r'l' Iht", on limt dlrl!'etl)' In Ih. 1'I'1Ir<1I (ll\rtl rto)'II1rnl lIn""tlot'lhllll N"ll1rll)' r\lrni,h Ir'll.tnrlt' All nnli", rr '"1('11111"
In bt r1l1d ""du !IIi, r""11'lIrh. If n'urnlltr ,".l" Ih"" r".01tnl\ c1i',clly, nOllOIlU .1.111 J"('II"rll) (urui\h In It,,d,,
'tnlrhrvlrtt"dn'lh~ rll~"l('nh,
IJnlllJ\I,C:I ,11111 rlomrlly tUuhlllt IIIIY li('n ""hie" J.n rrit.,il)' O\er Ihi\ ~tcUtily '"urumt'" Ulllt\~ lI11llU\Io'U' f:tl
l,rtU In \I,',itln,ln Iht rl).rh('nl of tht {ltJli,'linn \~(U1"lt..y I hI!' II," in I nUnl1t1 leCtrl"I1I"IO I ,n"n; (h) ('nUl"" ill 'I)llft
bllh thl lit II by, flI dr(f11d, .Jllin'l tnrol(('""n, nr Iht lil'n III, It'iIl1I'rnrttftilll' _h'l'h i" 1111 I, end,,', ('Irininn ('If't"O't 10
JI'('\tnllh, fllfOf('t",('lIl nf Ihe li"n nr (mftillu, nf '")' I'~II nf 11,1' 1"(11"'11)'; 'II rt) \('tur" ('M' Ih.. 110"'t'r or 11I(' lit" "n
'8,rem,nl 'lIi\rllt.:ll)ry 10 ltntltr IllhOll.linlll"" IlIr lit" III Ihi, !llrttl,ilr In\I,unll'nl. If ltlld('. c1rlrrrninp\ 111:\1 lllll I'.HI nr
I"t rr(\f>t'ly h tuhjtClln _ lil'n .....hich m,y IIlul" rrio,lIy m'r Ihi, 'itClI,il)' In"rtlll""l, I rntitr Ull\)' .il.t lIm'('"tr II
n"li,t Idl'nllfylllllht' litll. nOflollr' \hlll "Iid) Ihe lirn (11 I'" ('Int nr ",,(lrt nr 111(' 'rlinn~ 'rl louh Al'Ovt \loilhin IOd..y.
0(11I( ~hi"J ,,(unlitf.
5. '''lArd 'n"uun. IInrrCl\lot' ~h~1I hrr ,ht ,mrrnv"nltnh nnlV "Iuill' N h",~htr trrclt'd ('In lilt r"'rt'Ily
in".ud IIJ"lncllo~t by nu, h.,lId, InclUlh'ct \lo'ilhin lhl!' I,,", ",.It"tlfd rn."'le" lIInd 11'1'- (l1"'U hlfllrl. (N ",hi(h lIndtr
"I'jultn in'UIlIIne.. 1hl, In'",llnrt' ,hllll lit' ",Illnl.intet In 1"'(' Amnunlt IInrt It'll Ih.. r('.io.:h Ihlll 1 tndrr r"fluint, lh,
hnurnnu ,'M,it' r'o\itlil'R Iht' In\tHlnet ~hall hr chn"n lty nnlt(l'lot, Ihhj,tlln I.,mte,.. "rr'('Ivfll ...hich ,hollnol bl!"
un,rn'I'II11hl)' wilhh('IJ
^" incu,nm.t rulid,', unrl rtllt\loDI, ~h.lI hf' tlfUrlllhlt III 1 (,llrJrr IInd \hl'lllll1r1urlt I ~ll\lIrbHJ ",n",~,(" (11lU1e,
I.rnc1o ..hullllll\~ Ihe ,I,hl ", ""Ill Ih(' rolici~, IUl(t rtnnllh If IrlHttr '''IHif('\. lI'lflrl\l,f( \hl'III',nl1lplly 'I" In I rlldrr
till ru,.il''' Ilr I';li,ll',rnlillln, :I1l1I'~.Il(\\lll n,.tin" Illlhr r\ClIl'IIIII\t. 11'11"11\'" \h;lll,...t 111(lflll,IIII,llle 1.llllt' 1II\I",,"\.t'
,'III,Ie" .111,1 te'lld\'t I 'nd~r "1:1'. 1ll~\1.' rlllllf u( I"" if llt'IIllM,I.. p"'l1lrll~ toy l1111flll\ (',
Unlr,.l(',uII.'I dlld 11,1"11\10(" nlh...rwi~1' II~I'" In \\Illill~, imlUlllr, rrnc.'rfch dl;lll ht' nrrhtd In 11"lnrnlhm nr rel'li,
n( lht' 11'''1''''1)' d:\m'Al!',I, if rflr rr\lnr:ulnn nr "rai, h h"nnm;ull)' (u,,"I, ,"d I rtlel",', "cII,II)' h llollf"\\t'lItd tr lht
'('\IHUII,," nr rtr:1ir it nOI rtll""nlirully fu\!hl, or I tnrf,,'~ 'f"'Hil)' \\('IuM"t It\~'n,d, lit, '",Ilfllint" r'ncttlh ","11 t,l'
nrrli...,lll1llw ~llm' '\'l'lltt.11 h). Ihi. ~('rll'ily Imlf1l111elll. WIIl"'lr' III IInllht'1l €Jilt'. \4l1h ""Y nee'" r:1irl'n huun*t't, I(
11.'"11""1 ;11';111\1"'1' 111\.1'1111'1:11). "I tli,,', I'tll ;lIl\\H' \\1111111 11111,1)' lIIIIIIIH. flllln 1,t'lldn Ih;ll Iht'lll'IUlIIlU' rllI,i\., IIll..
llR'l."td ",ulllt II ~'I,1Inl.lh(,III.l!'lIlltr M", wlltlllll.. in"H:III\.t rtl'a,rh l,tn,lt, mOlY"'" lilt rrt'M'fr." h' rcroi, nr fr\ln't
111(' 1'1I'~Il)' (It Itl r:l) 'um' unllrd hy Ihi, ~rl'lIril)' Ill\lrunlflll. .....fltth" ('r nfll Ihtn du~ lht .10 lI;l)' '....riod "III hr,in
\l.hrlllhtlllllkri\Kjvttl
lInlt" tfllllrr Illld ntll'Cl" t'f 1'1 h" \10 I't "Irtt In "Iillll', Iny "rrlic.aliC'1l or r'flctf'd, In r1illcir,11 .h,1I1nnl t"ltnd ('t(
~Iron(' lilt' d'll' (1II1t' f,fl'lt l1wnlM)' r:lymrnl\ ,rr"",rt 10 In r"lill';trlu I :lllIl] Ut ehllllJC' Ih, Imotlfll or lilt r,1rllltlll\ tr
ull,ln l'u.'llIrh II) Ih, rf(lrrrl) i, "t'llli'PlI hy .""rlt" [l"'lfll\"" tl~hllo nny in~\lI:tfl(t rnhdf\ nllc1l'f(l\'rI',h rt\lllli"l
fro", rt.nu,t In Ill, rtnl"',ly r,ill' In rllf"lIIel1l11dlll1n ,h.1I r"" 10 l tnrtrr In IItt ,.,,", ('I('h, "Ill" '('fU'''I' h Ihi\ 5'Cll,ily
"1\I,"n"nl Inunf,II",ly rrll1,'n IlIr 1"l1uidllllll
IS, r""nlIItIM and Mllnltnlnrr IIr rrOP",I)II,'''thnld,. nn"o\lotl \hAII IInl dr\trn)',II:uII"e or \utollll,lIl.lIy
chllnr:f Ih, "rc'I't"I). .Un"" IIIII' .'ropt'll\' 10 Ilrlllinllll' Of ((,""nil VoII\lt, H Ihi\ ~rt u,ily In'I","""1 I~ t'll II Il'lluh"ld,
n""lIlh' \h:IU UUIII!I)' \\'ilh lilt r,n\'i,iclll\ "rlhe IrJ\r, ullll illlfUW\lo'tf Uf'1uirt' Irt ,illt' Ie) 111(' tll(\rtlly, llit It3Ullllld 111,1
(('(' lilll!"hAllnnlllltrl' unltn I_rnllr' 11"n 1(\ Iht tT\("Jtr In Vo,I1Il1A,
7. rrnlrellM of turf,,', Rlahl' hi Ihl' r,npfl',.: MO"I~I' In"III"t.., H nO""\Ioft f3il\ Itl rt,fo,nl Ihl'
d)\rnlllll1llnd "lrrtrnrult (('Inllintlt in Ihl~ ~,culil). 'n\lru01'h1,flI Ihl'f' i.IlI'J1\1 r,nt."tl'llinllllh,\1 mlY \i,llifirnnlly .rrtel
I.tnd,,', ,I,hl' ill Ihe 1'lnrfllY (turh" I rrne('tllillll ill hllll",uI\lty. r'f'''lIIlf'. (or fnlldrnulIllinn or 10 ('llrOft! Ia"" 0'
rtluhllinl1\I.lhrn ltntftr ""ydn .nlt ray fN"hllltlltr it IItC'''.'')' Inr,nl,rllht \'.Iut (llllIr I""rl'fly 111,11 tn,I,,., rilllh"
illlh(' 1"IIt'l',ly, 1.C:lldc:"\ nrltnm Ul3y indmlc I"');"" llllY \1111" .,rultll..v II !.1'1I ..hidll"" I'ri'llily lI\ff ,hi, SI'(\lIIly
In\III.I"ltll', "rrtlflll. In ('11111. ra)'ln, r,l\nnahlr 11In,nt)'\' (,ft IInrt tlllt,inK nnlht )"(lreflY 10 mil", rtrllln AhhClIIJh
.tndtr III") Ill'" 110:11,1" UllrtU Ill" r"lllrl\rh '.1 tlllt" ct.)(,. nl\l....\r In rln.u
A 11)- GI'lnUnn c1i\hll'u.t II)' I.t"du t""lrr lhi, r",,,.,urh 1,1,,1I"('\I'IH" ,.t.ilt'''l1tol rlthl IIr n"lllmrr ~e.Ii'rd h)' IIIit
~CC'Ulll) 11I'lftl1ll1'1I1 llnl,,\ lI(1l1o\I,U Ind 1.1'1"'" IJl:ft(' In nlhrr I""" o(r:I)"I"lll, I"rlt 111I011111\ ,hllll Nit 11Iltfr'l f,nlll
,ht rl"'r Il( II"t'''''''",'1II It! lit" NOI(' ':Ill' I\lId ~h:JIII,,' I'PVIlt-I,. \\lIh iIlIUt". urnn n"li" rr"nl trutl..., In I1nf'O\lff
"'I1'1."IIl'I"'YR1('ltl,
~.'In, ;r;1I '"1 rl',
U I.rorie, r''1uhrd 11\0111..' IO'UI'hU I' . ('tlnrilllun "r "1"1"11 Ih, 1(1ln 'rellf,1t h)' Ihi. ~tl'lully In'''UlII'"I.
norro\l'tr shllll r')' Ihe rrtmlllmt rrquir'llln mllllllalnlhr In'"uIIl('t lit ,If'trllllllillll,h Ii"" I' Iht rrqlliU'Il1'nl tor Ih,
Intur."" Itllllil"''' In I(,(OIIIMltt \1rilh nIlHO",.I'\ IIlull."III'I', wrhltflll,tt,mtlll nr IIrl'liuhl, Ilw
". In,,,,,UO", '-,,"rI,r llr jh a't1\1 "IIY lnll.' lu\nnlhlt toll I" Ur('lll ,ulIl lIul',tllnn, or Ihe 10,"""" IClldrr
Ihlll,l\, noun." llt'lll('t.t 111'1101' or 0' ",1m In u 10'r,(II"1I 'rrriftln, ""'OI1:11.1, 'I'He tn, Ih, ill'rt(lloll
9, C(lnd,mn.IlOll, Th, rrOt'rtdl cr .ny ....,11 Of ehll" rm dlllna"., .tirtcl or entl'tf}Urolllll. in c(loII",I('\n ... ilh
Iny rnnl1tmnllll,," Of ,uh" 1..111, or .ny plrl of lht ",optll)'. 0' till ron'o'''YIIIC' 1"li,." ('II CUnll'III1I.lion, '" hr,rtoy
1"I,,,,I1'lIlt ,hili h, rlld In I 'lldu.
In Ih, '...Wlllr II(1ul taUn. or Illr r'('Irrlly, Ih, rIOl"lh "",1111' lll'rll,d 10 IlIr '"n" ",ru,tll h~. IIIl\ ~'I:UIII)'
In\!rum'llll ....hflh" n, nOI lhrn lillI', willi any uer" ,oalllt" nnHC'\\trr. III lilt r","1 nf a r:llIIAIII~illll pf Ihe 1'lor"I)',
unit" lInf1ollo'f' And !..nllff nthPlIlo iu ""f" in '" IlIln_, Ih, '1111I' .'(lIrt,1 toy Ihl, ~rctllil)' 1,"lrUIIl'"t tllIllI to, I,rtue,ri hy
Ih, 1000unl nr lht" r'o(ftfh rtlultilllltd hy lilt ((11111\\ In, rurllnn' (Ill) tht lolal AmnUlll ('If Ih, 'IInl' Itt ulrd illllllrdi.ltly
btrOft Ihe lakill" dh.ldfd hy (b) Ihe (aIr muk'l....lue ('Iflhe rl(lr"ly Itnnt,di.I,ly htrOfr Ih, lI~ill', Any btll;\llrt ,111,11 t'It
r.id 10 nllrrollo'ff.
I(tht rr('l~II)' (, Ahlnrtonffl hy nn"o"u, C'lf if, Ant' nnlict lIy I tnd" In nnuC\\ltr 111:11 lilt e('llldcnluor IIrr", 10
nllb In I""a'd M "lilt I c1.lm ror dAm a.", "('IIII'l"''' r"il, In "'rl'nlt Ii'll end" '" hhm .\n ,fR~' al'1" Ill" ,Ial" Ih\' IlIllk."
.1""11,1.(111..1\', hIlUlhll,I,,,d 11It'111I~c1 .ftllllrr1y thr r"..\.'..... ullh Ilrtl"", ,'iIIlI'I III ,nlll'"''''l1lll 11"1';li, ..rllt....I"III.....'ly 10'
11'1 'he '"01\ 'rtUl,d hYlhl, ~.ttllily IrUlrmntlll, wh,lI.tr err 1I1lllh,n IllIt,
Unl,.. f.tndtr Inrt norrowt, olhtlwlt, .'fU I" "..rllln., Any 'rl1licAlinn orr'(lcrrth In rlllldr31 ~h,.lIl1nl "I,"d Of
po\IJ'lOnt Iht dllt ,hit nf Ihr monthly r1ymtn" "r""tilo ill ran.'llrl" I Inlll fl' dllln.t lilt Rnltl111l1 ph-lIrh "")'111"1"
10. 110rrow" No. Rflutfdi forhrl'lrIer n, Itnd" Nnl . \\,.1...", f.'tlI,il'" lit Iht' liml' fllr f';I)lIltlll '"
rnndiftCltlllM Ilf Ilrnolllltllnn or Ih~ MI"l' 'e,.utt" hy 1111' ~f't'Ulily In","nu:nl "(Jlllnl to)' l.nll"-:' ht all)' ~lIn'\'N" ill
lnlrrf'll'lf UM,nlvtf dull nnl Prtrtl~ In "ltA~t lhl" lilhihty nr Ihl' IlIIJ'nallloll(l.....rr '" n(llfll\l'l"'\ "'1.'"'("'",, ill inlerr'I,
ltndu ,hllUnol ~ f'lJulrtd In commtllCt prnc'fdill'~ 1~lin" In) 'llcetnn, In Inlrlt" (lr frfU't 1('1 tlltnd Ihll(' rllr
r.ymtlll Of olhrrwht mndlry Imorllull,m nr'ht '1I111\'teultd t-t)' 1'\;, 'i:rcurlly In\IIIIII"nl tty 'U\I'lll of lilY d,nlallcl nl~dt
by lilt OIl,loAf ~rrollo" nr "('\"0'4"'\ "Irt't\\nnlnlolut't. ^"y rOlhlo~llnCf hy "tnrt" in 'Itfd,llIa RlI)' rl,hl (lI rtl1ltlly
,h.Ullnl ~t. ....Ahu rtrnf rrrrlud, III' t,,,d\fprln)' Illhl fl' Ifnltlt)',
II. F:1I(unon inri .h,lln, hnun"i Jalnt Ind S,,,,.II.I.bIlU.: en.,lln"., Tht (O\',o.nlt .lId 1r:I(fmrRI~ nr
Ihlt !i\rcurlly 11I,11I"'ltnl,II:111 hind I1l1d ",n,llll"t IlIrtt""" Il"d ."iI111 or tr"rlu .nd nn, In\ln. """J,ello Ih(' r,o\i,ll1n\
OfPllfll,I'l''' 11. n""o,,,,,', CO",n.1I1\ 'nd :t,r","1''''' ,111111 he )nlnl'lId .e",.I. ^ny no,ro"" ....h(\cn,'ilt1\ Ihl, Sn.uliry
100UUllltll1 hUIIII1(" nnl ruclIl, Ihe NOI1': (a) i, co ,I,nin. Ihi, !i,.rlllilv In,lrllm,nll1llly 11'1 '"('111'11I". ~,ulll "lid rill"')
lhal OlllfllYo"', Inlt"'lln Ih, r'''11rlly und" lilt Irllll\ or Ihl. Srrufily '"~lrUmrtll; (11) I~ MrlII'rl\('IIIAl1y nl1h':1lrIIIC'l r:1)'
Ihe 'um. .teurtd hy Ihlt Srcllllly In'IIum,nl; nnd (c) '~ff" IhAI1.,nrtcf .nd .ny olll" OMfO.." ftI:1Y '~fff I" tllrnll.
1I11\111r1. rll,t1('illl'lr nuh I'IY p(wmmlw'i1lioll\ ""lIh "'''11' Icolhe t'lln\ lit II,i, ~'Cllflly In'lltlllltlllllllht Nole "ilh'luI
Ihlll I1l)lll'''(f'J'lIn~rnl
11. l.n.1I (,h"'MU. Irllll" lnJlI1 \rellnel hy ll,i\ 'l'fllflly Ill"IUn\l'llll~ \llt-j('llln A l:t\\ ",hieh 'tl'.Ill.,illll1ln Inllll
chll""', '011 111.11 Il\\v 1\ Iilllllly illlelrrrl,d '0 Ih~1 Ih, IIltfft'l fI, ('II"" I""" char"1 lnllrel,d III 10 ~t r,.lIecltll In
ronn"etlOll ",'IIIt Ih, Il':In t',,,'('td the rrunill,d Iilllilt. Ihrl1 fill) An~ '"ch In~1l dllr" ,11:'111 bot 'triurl'd l1y lht "11I111lnl
IIrr,,'II'y hi '",hll'(' Ihl, rha'IIC II} 1111' rtfnlillrtiliMlil: ,"d fit) llllY 'II"" "lfr:\I'r rl1l1,.rltll rl/lnl nnlln\4Cf whirh ,,'urdrd
rt'JlnlllclllIlllil, \4111 hI' "rllWlfd III 1Il11l('1",tf tcnd" lllW d,o",,. In lnlllkl" Ihl, Itflllul t-)' rrlludl',lhr t'lllldr;11 "\lord
IInd~r lla, Noleo, hy Illll~illl' dlrtt'1 rO)'melllln IIn""14" Ir. I,rlllld ,tduff' rllnrir~l, Iht "durliotl ""III be l"llfd.\.
rlllll.1 rrrp.)n'flll U.i1IHlIlI Iny rrt,.A1nl,nl ChH,t' In1ft" Ihr NI'I,
U. I.rtl.lnlln" AfTulln" I.rnrfrr'. nr"hl., It tnllrlrn,nl 01 r.rrilllollnn ,.f Ill'rlluloll': I:lw, hll' lht '""cl pr
,,"duin, "") fl,""J'il'" fl' lilt' Nnlt "f lhi, !'r(U,ll)' 'n'IIIIIIIt'OI Ullrn'Ncr.,t<I, 1lCt'IltIHI1' III iI, Ir'''''.ltndtr, Rl iI, rr1irn,
liMY "."!Jih' illllllt'tll~,k 1'llyn"""1 ill tullllr :111 'IInI'4 'f1 11'1'11 hr Illh ~I'\'ll,jly hnllllflll'lll ;lIIl1111;I) ill\llL,. ~fll\ r".llhlli"
rcrmilh:tI hy 1'<""lflII,1t III fr hlllh'rth'ld.I" Illi, 111'li"1I. 1.rluh'r 'thlllllah-Ilt'. ''''r' 'rni/inl inlhc .l'WllI11'MI'I!,.II,h 1'1"
rl"Bfl'rh 17.
14, Noll,,,, Any nnlirr. 10 n"IIo\\,tr r'I'I"III,,1 rur III Ihi, ~f(lI,iIY Imllllmpnl ,111111 h, ,iun h)' df!l\,tflllK II III h)'
",llilin, il hy fi,,' d", Ilullllnln, :lrrlltlllll, b", .,'Ilflllr\ u" "r "MIliCI Ill"l""t lit" 111'111' ,Ilall he Ili.rrrnl "I Ill"
rrnf1l'fly ~1"'lt" ,Ir Ol'y nlfl" Adrl,t" IImlnwt' 11,'\I~II;'I" hy IlItllrr 1111,1'1111<-, 1\11)' 11l'lk,,' In 11'11111" _hall h' ,nl'll h,.
111'1 c111~" m:lll.., I ,('1111\.'1', flrM"" 'hlrd hrrrin (If all) "11t,,'r lUltllt,,, I tllll" IIC"fll.lln t.v flolin' h' 1111"n\\1:1 AllY 1l"lk,'
rroviel,tI ro,ln Ihi. !)(orlully Insllumtnl th.11 h, rI't'fIlf,II"lm, "r'lI ~IIrllllll1l1flll\lt' l\r Itoll" \\<hl'l1 Ci"l.'lI II' r'lujt.!l.J
Inlhi'r.1l:ta'lIl,h
I~, flnl,,"lnl t..,,: ~"tf.lJIl1ly. HI, ~tcu,ily 1"'lrum,nl ,11I1I!1t ,n\<tfnrti..y fr(hl/lll:\\lt Ilnd th\'I;I\l I\r Ihf
jurhtilrllon In ",'hlch lhe I',r>r""tr i~ 1(l('lIlrd, In III.. t~tlllllul .ny rln'o'i,ion Of rllutl!' or Ihi, Stcll,lty ",,',ullIrllll" lh,
NOll' cnnnirh ".jlh Arrllr.hl, hili, ~urh r('\nnlrl .hllll llllllltfW olll" r"wi,inn, I'If Ihl, Srru,il) 1I1\11llnll!'lll nr lilt NI'lc
"hich un ht ,ivfU ,tr,cl1Nllhnllllht ((lllnltlIIlA,o,o,hlnn Tn Ihi, cnlllh. r,n\<l,inn, flf Ihl, 5,eu'i1)' IIIUlum'lll 11Id Iht
Nnl!!: ."d,d,Ufll hlltetf\,nhl,
1&, IIl)flo-.r,'. t'nr')'o nNI014'f( \h,1I h, IIhrn fill' rnnrn,nlrd tOry ('Ir Ill, NI'lr .nlt pr Ihi\ S'l'\lfiIY Imlfllll1'llt
17, lrdn,r,,", lht rfllp,,'Y ",. n,ntn,IAllnlrrrtlln "n"n_", H ,II l"1' In)' 111111 of Iht rfllprll)' Of an)'
hllflrall" ill, 'nM", IlIn,rrtrrrl (0' ir. brll,ncial illlr",lln nnllnwff j, 'nM l"1r Irll,,,r"'rd Anti OMIll"''' h "('\I_I1:1lnrnl
11('I\on) ",it"ullll."llll,r'\ IHi", .fill,n COI1'"nl, I rnet" o"'v, III il, 11I,I1ull, 'trlllhl' ltllllltlh~lr rJll)nlflll in 'ullllf .111 'llIll\
I.eurrd \1) Ihi\ S('tIJfII~ Imllum('1I1 lIol~c\'U. thl, "'rlinll tll.llll unl t'lt' flc,d.,d tt~' l.elldrr If eu:,ri,e I, rflllllt.Utd hy
ff~uall'\\"a'I.'thtd~lt nrlhl\ S,ru,ily I",hllmrlll
Ir hlttlr, Clt,cl't\ Ihl\ "rllnll, I t('ld" "I.IIlIaht """!ll\t, unlift tltll(u.ltIOli,.n 1 IIll' IInll(t ,hllll r""i,II!" l'f,iud
rotnnllt\\ 111:!1l ,U)rI3l' rlOrtl Ihed.1l. Ih, 11('111(' j,drli\,t1l"d 1lI111~1I1'11 v.ilhin ~hilh nO'IIl\tC'l nlll\l rod)' 1\11 \lUll' 'tCllltd hy
Ihi, ~r(!IIil)' In,ltunlflll, H U"'ftl"." fall, In r'y Ih,,(' "Im\ rum In tht f'r"AIIII" "rlhi, rNil"l. ttllllrr nUl. i",.,~t II")'
. fflll.dif~ rt,nlillttl hy Ihi\ ~l!'nllllY 'n'hum'nl ,""ilh...ul fll,lhr, MIllin ('If IhnllUld "'I 11',,,II1\tr
III, I1n"l).f,'. m",hll" Rrl".llllt, H Onlf"...." Illrt!' ",ruin rl'lllllllo"" llrll,n"'" ,hnll hll\\' 111,. li,llll.. halt'
'lIrnle.""n, ulllllt Srru,lly In'''"Rlflll di'l.'Mlinll,rtll.ny lilli' rll"f I" Ih,. fI,li" n' fa) ~ ct..), I'" ,uch IIlh,., Nllt"'ll,,,
'rrl,e,hl, la.,. nl."')' 'rrriry fM "it"llIlrl1l,ol) ",r"" ~1I1, I" I,he r,nlo",IY r""UlIlll In lIlI)' Itt'l""'. ~r ",It 1I11lInim.,1 III Ihl.
l!i.eurll) 111\111l11ll'1I1; nr fh} '"11) of ;1 JlltllllH'1l1 tnrlltllnlllh" !'Ct:lUlly 11I\lll/llltlll. Tho,,, l'1II1t1llhlll\ "Fl' 111111 n""I'''rr.
(A) r"~" I.rllllrr nil \lln" "hll.'h Ihen \\Pllld he 1111,' 111111"., Ihl, C;rl"lllily In~llltnltlll JlIIIIIII\' ,Nlllt Imd. 1111 anl'l(,.llh'f\
o(curr'~, fb) l'utn IInYller'\l11 "r AllY ,1Ihrr cn",n,"I, lit 'l'rrlll!'llh; (c) rlY' ulll"I'Cll\r, llI"urrrtl en "..rll',.lllllhl'
S"miIY In'lrllmrol. Induriilll. tout n\'11 Iimllrlllo. WHnnlhl, .Untn,y" rr~', ,"d hI) "~n 'uc:h .(Iinll :1\ I.rlltlt' nlly
fCllu:onll:>ly "(Iui'f II') 'nuII Ih~1 lilt li,n "I Ihi, ~'rllrily 1"'''llm'nl. 1.'n'I,~'. ",Ill, lit Ih, I'rnl't'lt)' ~1lI:t llnltO\"'"
ohli.I'inl\ In illY Ihe 'Unit urlllfd h)' 111i~ !i\,c:urllr In,llIlRlwl ,h:tll Cflllllll~lt IlIlrhalll'~ limn ''In'llIltll!flll by
n"f1I'1\l'",lhl, '!i,cu,ity """llnltn' :1I'fIJ the: nl'olj~lllo", \r('m'll hrrrhy ,";.11 rrm:ulI fully ""(0'111(' R~ If llllllurl,,',allml h:'ld
ntrllfftti.II(\1\nrr. Ihl, li,hll('lrdn".1lt \h.111 nnl Drrl.. llllhre...r "fill nl,.,;,llIm 1IIU,,", 1'.1III,r;1rh, 1'10' 11
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Ntl14 lhlllI1MM(II\'1 t4..rJI\ 11111"'\\'" "l1IIII'IUIlIIIlIIIlI'1 tm"Il.IIlI.lI11I,'I:II\'J,II.IIIl\\'
10, Atultntltlnl ",,,,.dlu. ',ndff "\Ill .h. ,"'lllt 10 I1nrrl'l"''' (llll.' 1" In,I".tI"" rnllulllnp O""nlltf'.
brnrh II' In)' ,MUI."'''' IIlln,",",I.. Ihlt S'~IIIII, IM.rumrlllllllll nnl rlln, It) ICf.luDllnn \1l1.ln r1111t'lph. I~ Ind I I
1,"If" 'f1plltlM,,II.. prn1ldn fllh,,"lu), t,t'nd" tllll1 nl1ll1, "IInn"tr <1', flmtlnft nil." thilt..': llllh, Iltr,lUllj Ihllht
Itllrm rt,.ul"d 10 run Ihf c\,"Ulli 't) ,,!ltn th, ",hllll olin' ht ,.."li: 'nit ld} Ihlt h'hu' I" CUff' the drhull II '(ltClllr4
m.,. ,,,..It In Ifulu'lloll of Ih. t\.l"" Irfllftd b) lhl. Srturlty IMllum.nl, '",ulo\III' hy judlclll pruet,.II"R .nd ..It or
the )I,oprrl)'.I,rndrr ,hili fu'lhu lnr",,,, nrlfrnw", ,,1 Ihe tl~ht In Itln,Ulr ~Ilrl .rrrlrulhlll Qlld Ihr rl,,11111) ""Nt In Ih,
fl)ltrlDtUr, pratt,.,ln.lh, Mn.,.hltt1U or. d,""h (If IIn)' nlhrr d.ft"n' nf Untrn"U II) .u,I"IUM .nd fourlMllf', If
thr dtr'UIII,"nl CUrfd" tptclRt'd.lrndrr II lit npllnn ml) r''1uhl' IIllnt,diAI, I'I)"'C"III\ '"Ilnf ,II 'lime urulC'd h)' 'hit
!\,clIJlly In'lfllnlC'1I1 'Illlhnul fll,lhrr drm.nd ,nd nil) f"udn" Ihl, !\rrllrll)' ""hUm,"1 tl) JI\llldllt I'lncrcl1lna, t.rntirr
IhlU ht' t"!lUd 10 (nllrtllll "~rn'" IntllUrd In 11II1I1IInllhl' u"I,"lt' rfn,ldtd In Ihl' JlIlf:ilfll(lh 11), Inthllllllr., ',III nl"
limihd In, Illl),",),'''n ,"d (Om nf IlIlt "ldtlln In Iht nlfnl fI'l ,"Illrd II) Ippliull1r 1.1_,
In, t,fndu In l'Olll'IIll1n, Uron In:C'1'llllnn u11I1.. "."J'Kf'h I~ N l'Ib"nrllllllllt'III ollhl' \IWI'\'IIV. ltlltltl 11II
('t'\/ln, hy Ill'OI (If by j\llh(,lllIy Irrl'linl,d teeth,,) ,hIll he' '111111'" In 'nil' 1 1I1"'n, I"lt, ru\\t\\iun 1\' ,11111 mlln~ct' Ih'
h"rUll ~nd III mll,et Ihl' "nl, IIf the r'l'rrrl)' 'l\I'hIl11"" Ill"''' 1',"1 II lit ^ny 1,1Ilt Cl'lllrll..1 hy 't\lda Ilr lh, ,,(th-tr
,11,111 ~ "1'1,11".1 f..\lln IUYllltnl ...r lilt' l"'h ...111I~IIA't.n,'nl or Ih, "11'1"")' /lne! CI'Uu 111'" ..I rrllh, 1111 hllllll'l. hili 11111
I.n,ilt.llll, ftr'ti"(\ f,n, rUlniun1\ nn IfUI\t'" hfl.llh In.II"'U"I"hl~ llllnrn,),' hn, AI1i1lhtn It) 111(' ,uru, \h,lt".1 hy
Ihi'i~'''\'111I1Y In'!l11l11WI
U. Rrln.., U('tlll r"ynh.'l1ll1r all ,unl\ \1'1'111,,\1 h) lhi\ !\t(u.i,) 1",ln,"ltlll, l.,n.l.. \hlllllll..dIlHI(' lhii 5rcu,it)'
1.,..IIII",clIl wilhllllllhilll(' hi lluUI\v,rr 11llflllwtr ,h:tll r,IY .Iny Ir\"lll,I,ltiIlLl n\\I'o
11, Rtir\\I.ltm'''II'trlod, Ollllll',l,('r', tirnr In h'lll\l III I' rUl\i,h-d III r,II:I~ln('h I~ \11,111 ('I~l\d hi t111~ h\l~u rlmt \"
the (Ol1lnlt'jKrlnrn111rhllll1",,, Ulll \h'rln'\ nit nl cllllt! \1\It rurllllnllo 1111\ St'l ufily 111\11 u,"tnl
2.\, rllrrhsu MM')' Mnrll..r.11 1'11)- ollh, .I'\'.1 ,'rulC'ct h)' .Ili, 'itnllll)'III.llumrnl i, h~llllt)lhuftH'(r Inulflllll('
hll~'ln ,hl'II.'lrrr1v,lhl.. ~1:t:UI;IY Ilh!fllnn-nt \lllllI h: II rlll\hll\t' In,ult:) 1l\l\lI,.,I~I'
!4. Inlut\1 n.II' ^rlrr ,llIlhl.ml'nl.lIll1ll'"t1 ;ll:.lH III II Ihl'lltlrll-..11,11\-I,.I\,lhk :llhl ,lllul.'llldlll' l'llhll'J 1111 1111:
N'llll'll' III ;lll;llli'llIl,fnlll",:II" f.IICdlt\llIt' \hllU"\'IIII'I.lh' "Il)ilh1.'I"'1lI 11I1lI1,' IttllO'''llIkf III... NIII,'
1~, Rldrn In lhl, Sf'(lUlly 'ntllllmtnl, Hllnt nl ml'rt' "du" ,U\' nn'ull'll h)' 11'.'111'"1" 1I1111'.....'lltI':J 1(I'I'lhtr "lIh
llu' S,clIlil) h\\lfllI\ltlll,lht l'mrn:r.nl, /llltl UI'(I""III. Clftlll'h \I1ch ,idt" \1I:\lIlw im HI 1'11I Ilh't1 1\11., IU"J \hall alii"'" IInll
Wrrlrnll'nl I.he l'I\\,llIlIIl.. 1111I' ~1l-1I'fn\tll" "r lhl~ ~r...t1r1I)' In'IIII'I'tlll I" I' .Ih' .illl"f') \\'f'fI' .. 1':\11 pI' Ihi.. S...CUrI')'
In..IIII","11. [(Iu'd ,II'l'liraMf' h')lll'\l)
l1d ,'IIIU'lIlbl,' Rllt Il,dn
t I Urll.III;llclll'il)'llIl'lll nilkl
[J OIIo..C.ll',,"'''')
rl ('flnllnnllnium Rllltr
rll'tlllm:.ll11ll11l"H'1"l'lll\'II'
I I J J rIUIIII) IlHh:r
Hilla
nv ~lf.I""ltm IIn """, nnffov,tf :(l'rrfllt IUlrt 'JI",t 1.(1 Ihl" 1I'lnn "111 l'l\\f'IIunl, flllll;tinell 11\ Ihi\ SCI'II,ily
In'lIumenl Gild In Iny ,irlrr(\)tu(lIlttJ hy nOfln....." ~nei Irf'tIfrtrd _ilh II
Wllnnu,
/;7 I / / ",'J -
. ./f:tb/ftMV' v.(/~{'Ja(",
Rlrhllrd S. blr
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~ .,7,-t1A!). (f.\.."J04.UI. ...(5..11
Hilty t.,?lIir _IfJIUI""
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COlIllONYF.^Llll OF rr.NIlSYI,V^Nl^. .1!..LLDJ}XL,[MJ./'''./ County..:
On ,l1t., tho _1~__ doy 01 v1vltt.11lJu.,J,.L, 19.!t4__, h.rnr. m.,
.. u ,", ft 111" tn "td'lllr till' "hov' CC'llInry n"ei Cnmlftnn"e"lth. th~
-"...nol....r)f_...lll ... ,.
lJneier"'&n~rJ nff tur, rPrflon" t t Y _rr.nrrd _R i r.hacd.S.. Dl'li, nnd JI;uy.1.._.nair ._hJw.__
knnun to ~c (nr RAtln(ftcC'nrtly rrC'lv~n) to be tile
r;r;on.- ",hole nr\lnOI IJre l'Iuh!lll'dhrl1 1(\ Ihft tllthln tn"trulIIL;ent Ilod AcltnClvhd8l'd
that theL.__ coxlcuted the ""mf! ror the l'urpn!l'1 hC'tcln conud d, "
. "r.--
IN Yltllr.SS IIIIF.RF.OF. I hor.unto ..t my.hond ond n'll 01 ~.r..}..,. , I " )"
Ily Co",.I..I.n F..plr..' "~.M"rilml\; ~l,....ll GA.
""'-... \, tl_Iulflft i: <li dt. n,I~U .
/'i'iniii'ibu~---,\.IU\I ~-
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ffil~ of or (lcftr
c~rtlfy that the IlddreAR or the
HortR~g~' .b~vl-n~m,d 11'1
21~ North s,cond Strftp.t
nlrrllltllJfR. Penllfll)'lvAnlll
!;,,,.. 01 rflM'V,..."nll 1 59
toun'" 01 r.llml'efIAnt'l
~l'ICOldll!d In ,hi nHlctl 10f Ih. ,KOtd\nQ .f p~
.,..,In .yd 10' C".'~b"l."d COllnly, Pt. 'I.!> - '/
In /!J.Ts "no' LZ~V.' -- P.9~-
~llfl'S .HY hind .nd stllll of oWeft, ~'L, ~oA.l
.--__ /,;., ~1'~"9Jft
Cl',ll,le. r.. '~II-~J<O ~1,~H~.:; j"
\ "..)..\,.IJ \\. .. .
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Jl"ctHdM
l/JJ-'"I I~~.J,!,<._.-
Loull J. Adler, hunt-nl)' ((lr UorrR,,~jI"
';1;11 1.\,.1 1:1"
III ' I
AIl.llJSTAULE HATE HIDER
'fIllS AnJUSTAHI.f. RAll! IUIJI:R II mllJ, 11111 .11..11 '"' d.)' o( .. ~nl.~R'!~~U...."........""..... 19.~.~.....
and Ii Inollroll1ed inrn InJ Ih.1l be dumtd 10 alllend ,"d lUI11'Iemcnllhe MUIII'Ct, DUd or TIUU. 0' I>ccd 10
Sccur. Urbl (Ihe "SUUIIl)' InlllUllltlll'{ ur the nmr tllle li\'cn by IhJ Ulldtll~n('d (Ihe "&rro..,I") 10 'CCUfe
url:~~f~'t,~,~.jUU:bl:o~ ~l~ r~~lf oll~ .. }'...!, ~.~...r ~.~(. ~,'~ ,~:~ '1.~.~!_.~J;;8) '~"I'~ ',':\ ... "~'~~~'dl" - ,!J"("~h~' ~;?N,~,~.~!.I,) .~.L;".. ,...",........,"
.........., ...".."., .1.....".......1:...." .........".................... lie .fnurl 0 lit lime lie t cole Inu ('Over "'lhe
plopen)' dtklibcd In Ihe Shunl)' 1IIIII1Imelll .lId 1<>C,lled II:
................. .....................ftU..~.y.lh.r....~~~!.\~~ ''!'~''!!!YI'~, rh.....17.P~,.l............ .......................................................
(rfOptll, Add,...)
lhl Noll .onl~n. ",o.I.lon, Ino"lng 'Of .hlng..ln Ihl Inl"..1 "II. "Ih"nl".., "11
In.,,,,.., Ihl IOrro.,,'. monlhlr ...rm.nl. .1lI be hiJIh". II Ihl Inl".., "II
d..'''....lh. 'orro.,,', monthl, ...,m,n'" .111 be 10.".
ApUIIIONAl COYINANU In Iddllilln 10 IIle conn.nt IOIJ I,fccmenta made In .he Stcurhy Inllrumcnl. &JfIowrr
Ind undcl fUllhtr aWtnlnllnd Igrll II fOIlOIllI!
A. INltRE5T RAn: ANn MONlIlI,y PAY~IENT fIIANGI.S
lhc NOlc provide. (ur an initi&llnICru' I'U: llr "' .....U~. . % SeellOIl" or Ihe NUlt pro\'hJu (or chln,n In Ihe
1"lfrut file Ind Ihe mUfllhly I'J)'mcnu, II (Ullll"":
4. INTEREST /lATE AND MON1I/LI' fA I'MENT ("IIANCil,\'
(A) OI.n,. n'ln
The Inlucu ,alc I \lIrill 1'1)' nlay,h.nec on Ihc .........tH... ..... day of.. ..."....,Or..cobe.r..".".........".19fU......nd
on thll da)' o(,hc mQlIlh ntl)' "....12. .. mOIlI"l thtluht'f flrh dart on ..hi(h my IOlertil..lc clluld chance
II called I "Chanlc Olle."
(B I The Indn
Btllnnln....ilh lhe ,,.u Chinle: f),lIt, my InltrtU IIle "'Ill be bautJ ('In In "(ndu."th, Indu il Ihe ..ceU)'
Inll" )'lelJ on lJnlled Sllltllrt.3t\I,)' sccurillu at.lJulttd 10. Wnlt.nl m.,ulII)' or .".."~~!.........,,... YUII. IS mid,
avail.bl, by Ihc FedclIl Reserve BOlld, 'rhe molt leccn! r"du ftlulc IVlilable IS or 4S days berolC ,uh Chanle
Dale il ulled Ihe "Current InJu."
Ir the Indu It no '\lnler .vlll.Lle, Ihe Nole Holder will choose a new intfu which II bued upon romplt.bl.
Inrormlllon. The Nole Boldel will liv, me nOlke or iu ehlJlu.
(e) C.leul.llon or (hlnlU
Brrore euh ('hanIC O.llt, Ihe NOlf lIolder "ill uh:lJl.re III)' ncw inlutll Ule by addine: ...... .........................
..,......1JUU:..._.............. ...... rerunrll' ('IQinls ("......J............'ll) 10 Ihe CUffenl Indu.. (lte Le 10\1)
t
I
,
'.
lht NOli Holder Wllllhtn delermlne Ihe .mOUIII or Ihe mOlllhl)' pa)"nlell1lhll wtJuht be lunh:ienllo rrpJ)' In rull
Ihe prtndpll t 1m Clpteted 10 owc On the Ctllnlc O.lf In lublllnlllll)' equall'aymenll b)' the m.lu",)' dale It In)'
neW' Inlcrelllllc. The result or Ihis calculation "i11 be Ihe neft amounl or my "HlRlhl)' paymenl
(0) Unlho Vol,.1 0"1"
M)' new InlerUI nle will become errecllvf on ueh Chinle Uare. I will (ll)' the amounl of my ne... momhly
pa)'ment Wllnnln. (In Ihe ~Ul monthl)' I"Ylncnt d.le .ntl Ihe Ch.nle (hie unlil the altlounl or my monlhl)'
payment ehanln 'Iain
(E) Nail" 01 nan,,,
lhc NOle Ifolde, will mall o( deliver 10 me . nOlict br(LJIC tach Chlnlr 0.1Ie. the nOlice will .dvllc me or;
(i) Ihe new inrercu laic on my lOin al llf Ihe Chi "Ie (),Ile;
(ji) Ihe Imounl o( Ill)' monthly p'YlIlenl (0lloYtinC1he Chinle Oale;
(iii) In)' .ddilional nllllen which lite NOle 1101..1" is required 10 di~c1tJ.c; and
(jv) the lillt and Ielephone number or I pellon ..ho .....i11 Inl_e, In)' quclllon I mly hive rCllldin,lhe
notice.
B. CIIARGF.S; I.IENS
Ururll,m Covcnanl 4 of Ihe Sccuril)' InllNmenll1 amended 10 reAd" (0110 WI:
... (lIarlflj 1.1,,,.. Rutlowcr shill ra)'.1I U'U, IlICllmtllll, and oilier ehar,eI, tlnuand Im('IQlilion. Illfibullble 10
Ihe rrapeny ....hleh II1IY '11011" a rliolilY ovtf tllll Scculil)' Inlll\lmenl. anJ leasehold payment. or Ifound Itlllt, ir
In)', In Ihe manner plo\hted undtl pualr.,..h 2 ht'ItOrCl"lrlloll'JM In luch mannu, hy BtJrro.....er nnUnl payment,
"hcn due, dilecll)' 10 Ihe I'")CC Iherter. Rorrowu Ih.1I1llomptly rumhh III lender III notices or amounll due ulldcr
Ihll JlIf'IUph, and Jl'llhe C\ienl B.UhlYo" ,halloukc plymenl dlreclly, 80rro.(I Ihlll prompll)' rurnllh 10 lender
~ IcttiplI e\'idcnclnl Iueh 111)'OI(nll (louoYo-ellhlll prtJn'I'III)' dischllle Iny Iitn ..hich h.. rrimil)' o\'rr Ihil Sccurity
Inurumrnl; howevcr, R<\IIowcr Ih.1I nOI be rflllliled tn di"IIJr,c In)' such litn 10 loti I II DOllowcr: (.) 1IIIIIIIIee In
w,iullllO Ihe r')'nl(1l1 M lhe abri'llion I(cuml II)' .lJcll lifn in I nl.nn(f ICccrl.b1e 10 Ltnder, (b J Ihallln lood
G[H[RAl fORM-rtllMC UHIfORM ROJUS1ABl[ RAI[ lOAH...(IIfJJUtt "OU).-I"l
,. lh. Uoto 1l1l1dn \J111 lhell 10111111 th. luult. ot thl. adJttJon to lh. naunt olle-tltat.t.h
of olle pUcl!lltase f101llt (0. 11~X), 1h1& rtl,mJell .m')unt 11111 be ~)' new lnll.!1'l!nt ut, Ullt t 1
tho 110"'( Change (lI't(' , In Ill) l!venl. ~hAII my I1fll IIlHUU uta r"J1l"es~llt f'11 llloe..e or
dl!C'ru.. ot .naro thl" [1010....(2 ) rucantogll point. above or Lelow III)' currenl interut
uti in .ny one .Yf~r "'IIJ 1IIll ~(JRt.ln Q flY$t-.( :s,> r'UCtllt#llte roJllt llrllil 01' tho amOllnt
of 11Ie'1''''. or Jecu!'lISll ov~n tht 11ft< uf the loan,
'" .
(11lh tOnlnl luth flu h)', pr ct..(rncl 1,Iinll t"(nrtcrncnt tlr luch lien In, It'll (ut'l<<'fdll1" .,hld, In Ille "pinion or
hnd" ('Irtrllll('l rll",nllhe enrnlr'rnenl or Iht Utn or rorrrlrure or the r,nJ"ft1Y or Iny rlrllhertorj or (t) Ihlll
,rCllre ('(In! the holMr or luch Iitn In I,rumfnll" I (orn, uli,r.clM)' In I fndrr Illhulllinllln. IlIeh Un 10 Ihl.
Stcurily In,lnm1tnl.
I( hnder detttmlnu .hl' III or In)' plfl or Ihe frore(1)' II 11IhJttlltl . lien whi(1t ml)' 11IIln I rl1olll)' "nr .hl.
5tt'lIIil)' Inlllumrlll, I.tndrr .han live nnnnwer I noli" IdentllYlnl Ivr" litn. Rorm""t ,hili IIlhry au(h lien (1r I...
ol1e or ",Me or the aCllonla,1 (orth ahtwc wilhln Itn ,by' nr Ih,. alvin, nf Ihe n('llkr.
C. N01ICr.
Uniform Covenlnt I~ of Ihe Securhy In\lIumenl II amtndrd 10 rUII I' (0110",':
14. Noll... F.1l'trl r.r '"y noli", rtqulrtd und,r .rrllc.hl. I... 10 h. ,Iv," In .nnlh.. m.nn.., (.) .ny nntl", to
IIonn.,.. rrnvld.d rno In Ih1, ~""rily 10""'m,ollh.1I ho ,Iv.. hy d,lIv,rlo, II no hy m.ilio, II by ftnl ,111I m.1I I.
80trnwer I' the P,nperly Addren ('If Illuch nlhel Iddu:.... &tmwtr ml)' dnianl'C' h)' nOllce III Ltnder I. rrovMrd
hmln, .nd (b) "y 0011.. In I...dtr ,h.1I ho.lv.. hy Irsl ,I... m.llln bod,,', ..tdrtllll.rtd hml. or 10 ,uch
nlhtr Iddre''' I' hndtr ml)' dr"lnllt hy nnllct h) Rnrro*er It rrn"id,d htltln. Any nnliee rrovldtd rnr I., Ihla
~eru,lIy 'MlrU,,",'''1 Ihlll be dumrd In hIVe be," ,lvtn In ROffowrr or t,ndtr whtn ,lv,n 'n Ih, "'I""rr dl'li.nlltd
htfrln.
II. UNIFORM SF-CUAny INS1RUMF.NT; GOVF.RNING !.AWl Sr.VFRARllI1Y
Uniform Covenlnl 15 or Ihe SWlrlly f,,"rumtn' h Imtndtd In Iud" rollows:
15. Untrorm R,tutlf, htt'"n","I; Con,nln, '''''1 ~,unhllllr. lhit (otm nr!icruril)' '""rumul romblnu unlfo,m
t/)vtnlRlI for nlllnnal u.e Ind non.uni(orm rovtnlnll with IImiled vlrillionl hy Juri.diclion to ronullule I vnifo,rrI
.teurity Inluument coverlnl rtll rICl('lt,ty. lhl, ~f('Ur1I)' In"".mtnl .hall he ,0vtrnr,1 hy Fedtrall... Ind Ihe II. ar
Ihe Juritdicllnn In which the PtOrtrty I. louted. In the evenllhUany rrnvition nr dlU\,. nr Ihl, ~tcUllIy 'nlllumenl
or Ihe Note ronnlet' ...hh Iprlluhlr law. .uch cnnnlc1 .hlll nol l"tCI olh,r rrovhlonl or Ihl, Stcuril)' In,lrumen1 nr
Ihe NOli .hleh un ht ,Ivrn errecl wilhout Ihe ronniclinl rlovillnn, Ind It) Ihl. tnd Ihe NClvhlont of lhl, !itrothy
Instromtnl Ind the N~lt Iff drc1artd III be "vetll"'e.
F. lRANSFF.R OF Tllr. PROPF.RTY OR A nFNFFICtAI, INTFRrST IN nORROWF.R
Unl(o"" Ct)vtn.nt 11 or the $rculily In"l1Imt,..t i. Imtnd'll tn ,ud 111I (ollow.:
17. Tru"., n' the r,npnl, tit I n,"rnd.1 htl"nll" 110"0"", If ,U 01 an)' rill ot Ihe PrnlVrty ot.n Intufll
therrln '1Iold or uI",r,md (nr lr I brnrftcial inltN'U in Rotrowtf 1110111 or Uln,rrr,td and bon ower I. nol I nlturtl
ren,,") ..llhoull.l'.'ndrr', rllor wrilltn contrnr, I.tndt' may. at I t",lu's (lr1ion, dtclare aUlht sumt Irrured h this
5tcurily Inmumtnlln ht immtdilltly dill'.' Ind rty.hlt. IInw(vfr, Ihl, ('INion shill nol be fltrcl,td by tender If
urrri.e i. nol IUlhoril.td by Ftdrnllaw,
Ir r.,.nder tltltltt' such nrdon to l<<e1tralt, I.tnd,t .hlll mln Rorm..,t noll~ or 1('(tlltlllM In lecordance .,i1h
PHII'flph If hrrror. .5uch nnllc( lhall provide a ('(rind or nllllm than JO dIll flom the dMe Ihe 1\\\\Ke II mllled
.'/IMn whtt~ ftnrrnwtr nuy (uy Iht 11I1n1 dtcltrtd dut. Ir OorroWCf hil, In rA)' Inch lum, (lrior tn the elpintinn or
,"eh (lttind, I tnlltt mlY, Wilholll fllrthrr nnlirf' or dtmlnd tin hnrrnw(" hwn.e In)' rcn1tdiu rermllltd hr
pa'l.tlrh IA hutor.
NOlwilhmndln. a IIle or I,.n'(tr, nnuowrr ..III ronllnlle lil bt ohlir:1l1td under Iht Nore and Ihi, StCUrilY
Inllfumenl uoltn hndtr has Irrrand nmro.....rr in wrilin,.
F. I.OAN CIIARGF.S
It the lOin Itcu,ed h)' the Srcurily Inllrumtnlls ,uhJrrlln . II"" ..hkh &PIt mulmumloln chlrt", Ind thllll" I,
I\nlll)' fnr'trrrrlrd 10 Ihlt tht Inltft" or nthrr loan thlll" MllrCltlt or In he cnlltel.d In connrclion with Iht. loan
ucttd rttm1n,d Iilt'llll. Ihtn: ( I) In)' IlIch In.n tllI"l. ,hili l>r mll1crd hy tht Imount nttttury 10 ffdllC'fl Ihe
chltle It) the p"rmhled Ilmll; Ind (2) In)' .urn. ahudy rollrCltd rrom ROt1'('l...rr ...h1rh t.<<edtd rrrmilltd limit, will
be "runtled 10 Rt\flower. l.rndrr ma)' choole In ml~t 1hl, rerund by rrduclnllhe rrinciral owtd URdu the Noll' or
by ml~ln, I dhrct "lymtlU In Rorro..rr. If. "fund ,rduce. rrindral, the rt~utllon will be "tlltd .. I pudll
J'lrr"lymenl undu the Note.
WtTIlf.SS,
IN Wnrtff.., Wuuro" OnrlO"" hll .utul," ~~~' AdJu,"bte R.fe Rid".
'-;'" , .......,
. ,
" l ' "'" ' " I ,. 't'o
.'fI........ . ....:~....,..... ....~....:,......~.:.....~... ,~.~.t.. .....................................( ~t.l)
Rl.rh.,d S. ";jr .lIIlWl~
7Z1?7A4:/;T..,6!&l,i-t.L. ..................................(S'.I)
~I"ry F. 'V'fl'" c .8ono...
... ............ ...., ..... .............................................. .......( ~..I)
.Rnn".,...
O'''It OlIO'lt.reM",
(~ ~0;JY-
, J"
L
bor;~
';(ill r.\t1
1:):)
ADJUSTABLE RATE NOTE
TillS NOn: CONTAINS A PROVISION AI.LOWING FOR CIlANGF.S
IN MV INn:REST RAn:. I~' MV INn:nST RAn: INCRUSES, MV
MONTIII.V PAVMENTS WILL BE Illlan:R. IF MV INn:RF.'iT RAn:
I>ECRf:ASFA'i. MV MONTIII.V PAVMENTS WILl. B~: LOWER.
......................,.....S~~t~mbr.I...Z..........., 19.13.4...,
...... .lln I.d ~ )).\\ ~ I~............ ............, .... .l'.o;>,n n.~.Y.1Y.iln.i.iI........
City Stalt
........... ,.... ................... .......8.(l,~.. .UQn.lr. L .l\Y.~.nll.~... .l,o;>, 11I\l.Y. n.~....~' II.....LZ 1).'1)......... ............ .......... ...................................
rroptrty AddrrJS
I, BORROWER'S PROMISE TO PAY
In relum for a loan Ihal I have received, I promise to pay U.S. S.37..,.QOO.,,00.7.~~.7.~~,7.~;;.7.. (this amount is
lId" . , I") I . h d f h . - d Th I d . First Fedp,"1I S"\Vln~'" ond
c.a e pnnclpa ,p us IOterest, 10 I c or er 0 t e LCn er, e.en cr IS ..........:.................:......:..:...........:.'..,:,........
..J"r. m.l..fl.~.~ n.~.l,n .~.l,m)... ItCH nX.r..i !i.I.'.!!f 1\ ....1.'.. .~.l.~ W.'.'. r. :'.U. !~!.'................................ ....... ..... .......,.. ............. ....................
I undersland Ihallhe I.ender may Iransfcr Ihis Note. The l.ender or anyone who takes this Note by Iransfer Ind who
is enutled to receive paymenls under this Nole is called Ihe "Note Holder."
2. INn:REST
In Ie rest will be charged on thai pan of principal which has nol heen paid beginning on the dale I receive
principII and conlinuing until Ibe full amount of principal has heen paid.
Reginning on Ihe date I receive principal, I will pay inlcrcst al a yearly ralc of .........JJL........%. The inlerest
rate that I will pay will change in acenrdance with Section 4 of Ihis Nolc. The inleresl ralc required by Ihis Section
and Section 4 of this NOle is Ihe rate I will pay bulh before and ancr Iny dcrault described in Section 7( B) of Ihis
NOle.
3. PAYMENTS
(A) Time Ind Pllce of Payments
I will pay principal and inleresl by making paymcnls eycry {!lonlh.
I will make my monthly paymenls on Ihc ......F..!.!:~.t....\.!.~.~.)................... day of each monlh heginning on
..............NQ.v.erob.er...L................. 19.84..... I will make Ihcsc payments every monlh unlil I have paid all of Ihe
principal and inlerest and any other cbargcs deseribed below thai I may owe under this Narc. My monlhly payments
will be applied 10 interest before principal. If on .....Oc.tQber...L.............................. ,2014.....,. I still owe amounts
under Ihis Note, I will pay Ihosc amounts in full on thai date, which is called the "maturily dale."
I '11 k hI 211, Unrt, Speond Strp('l, IIl1rl'lshllrg,
WI ma e m! mont y paymenrs at ..................................................................................................................
..)~~!!!.l.~y..!.y.:~.l)J,n...,..1...JQ.L.................................................... or al a dilTcrent place if required hy Ihe Note 1I0lder,
(8) Amount of My InlUII Monthly Plymcnt.
My initial monthly paymcnr., will he in Ihe amounl of U.S,S...J66."2~~.T.,,~.7.,,~.7.7.;;;;:;:-This amounl mlY
change to renect changes in Ihe interest ralc Ihatl must pay. The NolC Holder will determine my monlhly paymenl in
acrordance wilh Scclion 4 of Ihis Nole.
.c. INTEREST RATE ANI> MONTIlLV PA VMENT CIIANGES
(A) Chlnge nales
The interest rale I will pay may change on Ihe ..........!.':~.....".... day of .........O.c.tllb.l\r...............................,
19...~:?... and on Ihal day oflhe monlh every .......P................. monlhs thcrcancr, Each dale on which my interest rile
could change is called a "Change Dale."
(8) The Indn
Beginning wilh the first Change Dale. my interest rale will he based on an ..Indc.... The Index is the weekly
average yi~ld on Unilcd Stales Treasury securities adjuslcd 10 a constanl maturity or ......."Q.ne........... years. as made
available hy the Federal Rc",IVC Roard. The moS! reccol Indc. figure availahlc as of 4~ days before each Chlng<
Date i. called Ihc "Currcol Indc....
If Ih< Indc. is no longer .vailahlc, the Nolc Holder will ChlKl'" a new index which i. based upon
comparable informalion. The NOlc Holder will give me nOlice or ils choice.
PENNSYLVANIA-FHLMC UNIFORM ADJUSTABLE RATE lOAN-IIRIA-IURY INl1ll)--ltIJ
:
(C) Cllcullllon of China..
Before elch Chanle Dale, the NOle Holder will calculate my new inlcresl rale hy addinl ...........................
,!hrc.c............... pera:nlale points ( ..........3...............%) 10 the Currcnllndel. . (""I! "" 1 ow)
The NOle Holder ..i11lhen delermine Ihe Imounl of Ihe monlhly raymcnllhal would he sufficienllo reray
in full the princirall am eapecled 10 owe on the Chanlc Date in suhslanllally C4ual raymcnls hy Ihe maturily date II
my new inleresl rale. The resull of Ihis calculation will he Ihe new amounl of my monthly rayment.
(D) F.ft'rclln IlIlr of ChanlU
My new inleresl rale will become e/feclive on each Change /)ale, I will ray the amounl of my new monlhly
paymenl belinnina on the finl monthly raymenl dale aOer Ihe Change /)ale unlil Ihe amounl of my monthly
payment chanael aaain.
(E) NOller of Chlnles
The NOle Holder will mail or deliver 10 me a nOlice berore each Change Dale. The nOlia: will advise me of:
(i) .he new inlere.. rale on my loan as of Ihe Chanle Dale;
(ii) .he amounl of my monthly raymenl following the Change Dale;
(iii) any Idditional mallen which Ihe NOle Holder is required 10 disdme; and
(iv) .he lille and telephone number of a person who will answer any queslion I may have regardina the
nOlia:.
5. BORROWER'S RIGIIT TO PRf:PA Y
I hive the riaht 10 make paymenll or principal II any lime he fore Ihey are due. ^ raymenl of rrindral only is
known as I "prepaymen!." When I make a rreraymenl, I will t.cll the Nolc Holder in wriling Ihal I am doir,llO.
lOllY mike a full rrepaymenl or a rartial rreraymenl wilhoul raying any penally. The NOle Holder will use all
of my preraymenlllo redua: Ihe amounl of rrincirallhat I owe uoder Ihis NOle. If I make a raNial rreraymenl,
there will be no delays in the due dlles of my monlhly raymenls unless the Nole Holder agrees in writinlto Ihose
dellYs. My plNial prer"yment will reduce the amouot or my monlhly raymcnu aflcr the finl Change Dale following
my plrtill preraymen!. However, Iny reduction due 10 my rarlial rrepaymcol may be o/fscl hy an inlercSl rale
increlse.
6. WAN CIIARGES
If I II" which Ipplieslo Ihis loan and which sell maximum loan charges is finally intcrprcled 10 Ihallhe inleresr
or other loan charles collected or to be collCCled in conneclion wilh Ihis loan exceed Ihe permilled limils, then: (i) any
such loan charae shall be reduced by Ihe amount necessary 10 reduce Ihc charge to Ihe permillcd limil; and (ii) any
suml llreldy collected from me which exceeded permillcd limils will be refunded 10 me. The Note Holder may
choose to make .his refund hy reducinllhe principal I owe under this Nolc or hy makinl a direcl paymcnllo me. If a
refund redua:s principal, Ihe reduction will he !rcatcd as a raNial rrcpaymcn!.
7. BORROWER'S FAILURF. TO PAY AS REQUIRW
(A) Lale Charle for Onrdue Plymenl.
If Ihe Note Holder has nol received the full amounl of any or my monlhly raymcnls hy Ihe end of
.................1JI....... calendar days aOer Ihe dale il is due, I will pay a lale charge 10 Ihe NOle Holder, The amounl oflhe
charae ..ill be ........?.................% of my overdue payment of rrincipal and inlcres!. I will ray Ihis lale charle
prompdy hut only ona: on any lale paymen!.
(8) Deflult
If I do nOI pay Ihe full amounl of each monlhly raymenl on Ihe dale iI is due, I will be in defaul!.
(e) Nollee of Default
If I am in defaull, the Note Holder may send me a wrillen nOlice Idling me Ihal if I do no. ray Ihe overdue
amounl by a a:Nain dale Ihe NOle Holder may require me 10 ray immedialdy Ihc full amount of rrinciral which has
nol been paid and all the intercsl Ihal I owe on Ihal amoun!. Thai dale musl he al leasl 30 days aOer Ihe date on
which Ihe notia: is mailed or delivered 10 me.
(D) No WIIYer by Nole Holder
Even if, a. a time when I am in defaull, .he NOle Holder docs nol require me to pay immediately in full as
described above, .he Nole Holder will lIiII have the rilhl 10 do 10 if I am in defaull al a laler lime,
(E) Paymenl of Nole 1I0lder'I Coala Ind ExpellJe.<l
Ir the Nole Holder has required me 10 ray immedialcly in full as described ahovc, Ihe Nolc Holder will
have Ihe rillil to be paid back hy me for all ils reasonahle cosll and expense, 10 Ihe exlent nol prohibiled by
applicable Ilw. Those expenses may include, for example, reasonable allomcys' fees,
*Thc Note lIolder will lhen rOllnd the ,'c!wlt of 1-1I1f> "c1dil fon to the ncorcfit ol1c-eJnhth
of on~ percI!ntoKe point (0.1257.). Thl5 rOlIl1lI"oI amolllll will hI! my lIew Illtere5l rat~
until the n~xt Chouge DatI!. In no event, 5110111 my new Inl"re5t rate rel'r~5ent on
Incr~05e or decrl!a5e of more thnn two---(2 ) I'crcI!ntng" I'olntr. nhov~ or helow my
current intl!re5t rote In nny one Yl!or and will ronloln 0 five--(5 ) p~rr"nlogl! ro1nt
limit on the nmount of flte'" "1fie or c1ecr('li1~f'! (lvp.r lhe If fe or t.IlP IOilll.
e~~~~l~
l
i
2J;1 ~IJllh ~1't"Olld ~llt'f'l
I'.O.I\",lill
1I;IIIil.h\lr~, 11('lll1o.;~h;ltll;1 lilO~1 1711
;1 iil:!(,.1!111
!,
Scptcmbcr 10, 1996
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Richard S. Bair
842 Bosler Avenue
Lemoyne, PA 17043
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 842 Bosler Avcnue, Lcmoyne, PA 17043 IS IN SERIOUS DEFAULT
beause you have not made payments of $373,62 for the months of July, August, and
September, 1996. Late chargcs (and other chargcs) have also accmed to this date in the amount
of $29,38. The total amount now required 10 cure this default, or in other words, get caught up
in your payments, as of the date of this lelter is $1.150,24,
You may cure this default within THIRTY (30) DA YS of the date of this leiter, by paying
to us the above amount of $1,150,24 plus any additional monthly payments and late charges
which may fall due during this period. Such payment must be made either in CASH,
CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER, and made at any of our
offices.
If you do not cure the default within THIRTY (30) DA YS, we intend to exercise our
right to aecelerate the mortgage payments. This means that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose Ihe chance 10 payoff
the original mortgage in monthly installments, If full payment of the amount of default is not
made within THIRTY (30) DA YS, we also in lend to instruct our altomeys to slart a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed, your mortgage property will
be sold by the sheriff to payoff the mortgage deb!. If we refer your case to our altomeys, but
you cure the default before they bcgin legal proceedings against you, you will still have to pay
the reasonable altorney's even if they are over $50,00, Any altorneys fees will be added to
wha\ever you owe us, which may also include our reasonable costs. If you cure the default
within the THIRTY (30) DA Y period, you will not be requircd to pay altomeys fees.
EXltlnlT C
We may aim .1111' )'011 pcr,w//(/lly for Ihe IIl1paid prillcipal halo lice alld all mhl'r ,W/IIS dlle
IIIlder Ihe /IIor/gagl'.
/f)'01l hm'e Tlot cllrl'd Ihe dl'fallllll'ilhilllhe thir/y day pl'riod mlllforee/omre proccl'diTlgs
IWI'e hl'guTl, )'011 slill hm'e Ihe right to 1'111'1' Ihe dl'folllt alld pll'l'l'l/t thl' .mle at allY time lip to
aile hOllr hefore the ,fheriff',fforeclosllre sail'. YOIIIIIOY do so h)' po)'illg Ihe total O/llOlll/t oflhe
IIl1paid lIIol/thly paYlllenls pillS 011)' IO/e or mha cllargl'S Ihl'lI dill', as Ihe rl'asollable altorney's
fees and COSIS conlll'cud lI'ilh Ihe forl'dosllre JIlII' (alld pl'/fomr all)' mhrr reqllirelllellls III/dl'r
Ihe 1II0I1gagl'). It is I'stimO/l'd IhO/ the rarlirst dO/e Ihat ,wch a shl'riff's sale could he hl'fd
1I'01lld be approxilllately March 5, 1997. A IIO/ice of Ihe date of Ihe sheriff's sale will he ,[I'nt
to )'011 before Ihe sale. Of COllI'S/!, Ihe all/Ollllt TI/!I'dl'd 10 cure the dl'falllt will illcrease the 10Tlger
you wait, You may filld OUI al allY lill/e r.wclly whallhe required pa)'lI/em will be by calliTlg us
al thefolloll'iTlg IIIll11ber: 232-6660 r.xt. 292 or 1-800-554-4572 I'XI. 292. 77lis paymem mll.ft
be ill CASH, CASlIIER'S CIIECK, CERTIFIED CHECK OR MONEY ORDER aTld made pa)'able
to lIS at the addre.[s slatl'd ahOl'I'.
You shollld rl'alize Ihat a sheriff's JIlII' lI'illl'lId )'0111' oll'lIership oflhe 1II0r/gagl'd propeny
and )'0111' right 10 relllaill ill it. /f )'01/ comilll/e 10 lil'e ill Ihe prol'l'r/Y ajia the sheriff's sale, a
lawsllit could be .lIar/I'd 10 el'iCI )'01/.
You hal'e addilimlal rig/us 10 hrlp proll'ct )'01/1' imNI'M ill the proper/Y. YOU IIA VE THE
RIGHT TO SELL TIlE PROPERTY TO OBTAIN MONEY TO PA Y OFF TIlE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTIIER LENDING INSTITUTION TO PA Y OFF
TIllS DEBT. (YOU MAY HAVE TIlE RIGHT TO SELL OR TRANSFER TIlE PROPERTY
SUBJECT TO TIlE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TIlE
MORTGAGE DEBT, PROVIDED TIIAT ALL TIlE OUTSTANDING PAYMENTS, CHARGES
AND A1TORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SALE, AND THAT
TIlE 0771ER REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISFIED). CONTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES TlIIS RIGIIT MIGIIT EXIST. YOU HA VE
TIlE RIGlITTO HAVE TIllS DEFAULT CURED BY ANY HURD PAR7Y ACTING ON YOUR
BEHALF.
/fyou cure the default, the mar/gage will he restored to the .mme posilion as ifllo defaull
had occurred. Hawel'er, )'ou are 1101 emiliI'd 10 Ilris right 10 cure )'01/1' dl'faulllllore Ihall thra
times in any calelldar year.
Sillcere/y)'ollrs,
J. W. Shader, Jr.
Collectiolls/REO Mallager
JWS/sjc
(gHARRIS'"
n ~l)^ v fr'Ti ; s- ){ANI<-
~
~
:U;l :\llllh ~C.t"lHlfl ~llt'c'l
1'.0. II", \711
II.llli"ll\lI~, 1'('IIIJ~:,'h';Ull,11711J:1.1711
71 ifl:ifi1lH I
September 10, 1996
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Mary E. Bair
842 Bosler Avenue
Lemoyne, PA 17043
Dear Mortgagor:
Tbe MORTGAGE held by the Harris Savings Dank (herc.lfler we, us, or ours) on your
property located at 842 Dosier Avenue, Lcmoyne, PA 17043 IS IN SERIOUS DEFAULT
because you have not made payments of $373,62 for the months of July, August, and
September, 1996. L.lte charges (and other charges) have also accnled 10 this date in the amount
of $29.38. The total amount now required to cure this default, or in other words, get caught up
in your payments, as of the date of this leller is $1,150,24.
You may cure Ihis default within THIRTY (30) DA YS of the date of this !cller, by paying
10 us the above amount of $1,150.24 plus any additional monthly payments and late charges
which may fall due during this period, Such payment must be made cither in CASH,
CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER, and made at any of our
offices.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our
right to accelerate the mortgage payments. This mc.lns that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly installments. If full payment of the amount of default is not
made within THIRTY (30) DA YS, we also intend to instruct our allorneys to start a lawsuit to
foreclose your mortgaged property, I f the mortgage is foreclosed, your mortgage property will
be sold by the sheriff to payoff the mortgage debt. I f we refer your case to 'Jur allomeys, but
you cure the default before they begin legal proceedings against you, you will still have to pay
the reasonable allomey's even if they are over $50,00. Any allomeys fees will be added to
whatevC[ you owe us, which may also include our rc.1sonable costs. If you cure the default
within the THIRTY (30) DA Y period, YOll will not be rcrjuired to pay allomeys fees.
EXlllnlT 0
We ilia)' 01.10 .II/(' )'011 flrr.wllollyfo/"Iltr 1I11f1l1ic1llrillriflollwlollcr alld all othrr ,II11/Lr (11Ir
,lIIda lite lIIortgagr.
f
,
t
~' '
Ifyollltal'e not CIIrrd lite drfolllt wilhinlhe lhirt)' day pl'riod andfarrcloJure proC('l'dings
hal'e brglln, )'011 .rlill hal'e the rigltt to cllre Ihe (/~rOIlII alld prrl'rlll Ihr ,role 01 any till/e 111'10
one hOllr brfore Ihe shl'rifFJ forrcloJllre .lair. }'Oll 11I0)' dll .10 hy pO)'illllllte 10101 alllOll1ll ofllte
IInpald monthly pa)'lI/rlllJ p/tLr all)' late or athrr c!lOrllr,r Iltrn dllr, OJ Iltr rra,rona/J/e aflomr)' 's
fees alld COSIJ connrclrd wllh Iltr forrcla.rure Jole (olld pr/joml allY mltrr rrqulrrmrlllJ 'lIIder
lite lIIortllallr). It I.r r,rllll/ated Ihal Ihr rarlirJI dolr Ihol 'well a JhrrifFJ sale co1l1d he held
wo1l1d he approxllllately March 5, 1997. A 1I01icl' of Ihe dOlr of Ihe sltrrifFs Jale will he .frill
10 YO/I hrfore lite salr. OfcollrJe, lite all/o/llllnrrdrd 10 c/lre Ihe drfallll will IlIcrl'a.re the 101lgl'r
)'011 wall, You lIIay filld Ollt al allY IllIIe rxaclly whllt Ihe reqllired pa)'/IIelllwill be by callillg lIS
at l/tefl/llowlnll m,mhrr: 232-6660 rxl. 292 or 1-800-554-4572 rXI. 292. TIlls pa)'/IIelll mlm
he In CASII, CASlllER'S CIIECK, CERTIFIED CllECK OR MONEY ORDER alld /IIade pa)'a/J/e
10 11.1 at Ihe ad(lrrJs ,rlatrd abOl'r,
YOII Jhollld realize Ihal a JherifFJ Jale will rlld )'011/" O\\'nr/"Jltip ofr/le /IIortgaged property
and )'allr rlgltt 10 relllain In il. If)'oll cOli/in lie III iiI'/! ill lite pmprrty afla lite site riff's .role, a
laWJIIII cOllld he slartrd 10 el'iCI )'011.
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YOllltal'e addlllollal rigltlJ 10 Itelp prolrct )'ollr 11I1l'/"l'JI In lite propl'rt)'. YOU IIA \IE TIlE
RIGllT TO SELL TIlE PROPERTY TO OBTAIN MONEY TO Pl.}' OFF TIlE MORTGAGE
DEBT, OR TO BORROIV MONEY FROM AN071/EU lENDING INSI1TUTJON TO PI. Y OFF
TIllS DEBT. (YOU MAY llAVE TIlE RIGllT TO SEI.L OR TRANSFER TilE PROPERTY
SUllIECr TO TIlE MORTGAGE TO A BUYER OR mANSFI:REE WIIO WILL ASSUME TilE
MORTGAGE DEBT, PROVIDED TIIAT AU, TIlE OUTSTANDING PAYMENTS, CIIARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PUIOR TO OR AT TIlE SALE, IoND TIIAT
TIlE OTIIER REQUIREMENTS UNDEU TIlE MORTGAGI: ARE SATISFIED). CONTACT US
TO DETERMINE UNDER WIIAT CIRCUMSTANCES TIllS UIGllT MIGllT EXIST. YOU IIA VE
TIlE RlGIIT TO 1110 VE TlllS DEFA ULT CURED BY ANY TlllRD PAUTY ACTING ON YOUR
BEllALF.
lfyoII cure lite drfallll, lite mortgage will be rl'slorl'd 10 lite sallie posilion as if 110 dl'falllt
had occllrred. 1I01l'el'a, )'011 arc 1Iot elllillrd 10 IltiJ /"ighllo cllre )'ollr dl'/mllt more Iltan three
timeJ in any cale1ldar )'rar.
Sillcerely )'Ollrs,
J. W. Shada, Jr.
Col/rctiol/.r/REO Mal/aga
JWSl.rjc
,
N~~~~~~.
~:E.l 7\nllll ~l'dfr\ll ~11l'1"
1'.0. II", 1711
11.111 i!.hur~. 111'1II1!'~ h ,11l1il 1 i I O!l- 1711
i 11/2:1(, 1011
ACT 91 NOTICE
TAKE ACTION TO SA VE YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able to help you, Read the following nolice to find out how the program
works.
If you need more information call the Pennsylvania Housing Finance Agency at 1-(800)-
342-2397.
La notifieacion en adjunto es de suma importancia, pues afeela su dereeho a continuar
viviendo en su easa. Si no cornprende el contenido de esla notificacion obtenga una traduccion
immcdiatamenle lIamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al
numero mencionado arriba, Pucdes ser c1egihle para un preslamo por cI programa lIamado
"Homeowner's Emergency Mortgage Assistance Program" cI cual puede salvar su casa de la
pcrdida del dereeho a rcdimir su hipoteea.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE.
YOU MAYBE ELIGIBLE FOR FINANCIAL
ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PA YMENTS
DATE:
RE:
TO:
MAILING ADD.:
PROPERTY ADD.:
FROM:
ADDRESS:
September 10, 1996
Account No. 0181021454
Richard S. Bair
842 Bosler Avenue, Lcmoyne, PA 17043
842 Bosler A venue, Lcmoyne, I' A 17043
Harris Savings Bank
Seeond and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
F.XIIlBIT F.
You may be cllgible for nuanclal assistauce that \l'iII prcvent foreclosure on YOllr
mortgage if you comply \l'ith the IlrOl'isions of the Homco\l'ncrs' Emcrgcncy Mortgagc
As.sistance Act of 1983 (the "Act"). You llIay he eligible for emergency tcmporary
a.ssislance if your default has bccu caused by circumstauccs bl'yollll your control, you have
a reasouable prospect of re_sllming )'our uH1I1gage pa)'ments, and if you ml'et othl'r
eligibility requiremenl.s established hy the l'eulI,syll'ania Housing Finance Agency. l'll'ase
rC<ld all of thls Notice. It contains an explanation of )'our rights.
Under the Act, you are entitled to a temporary slay of forcdosure on YOllr mortgage for
thirty (30) days from the date of this Notice. During Ihat lime you must arrange and allend a
"face-Io-face" mccling with a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this mccting is to attemplto work out a repayment plan, or
to otherwise settle your delinqllency. This meeting IIllls1 occllr in the next (30) days.
If you attend a face-to-face meeting wilh this lender, or with a consumer credit
counseling agency identified in this notice, no furlher proceeding in mortgage foreclosure may
take place for thirty (30) days after the date of this meeting, The name, address and telephone
number of our representative is:
Slacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, 1',0. Box 1711, Harrisburg, PA 17105
(717)-232-6660 ex!. 293 or 1-800-554-4572, ex!. 293
The names and addresses of designated consumer credit cOllnseling agencies are shown
on the attached shcc!. 11 is only necessary to schedule one face-to-face mccting. You should
advise this lender immediately of your intentions,
Your mortgage is in default because YOII have failed 10 pay promptly insl.111menls of
principal and inlerest, as required, for a period of at least sixly (60) days. The total amount of
the delinquency is $1,150.24. Thai sum includes the following: Paymenls of $373.62 for the
monlhs of July, August, and September, 1996, late charges lotaling $29,38.
Your mortgage is also in defaull for Ihe following reasons: None
If you have tried and are unable 10 resolve Ihis problem at or after your face-lo-face
mccling, you have lhe right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assislance Fund. In order to do this, you must fill out, sign and file a compleled
Homeowner's Emergency Assistance Application with one of tbe designated consumer credit
counseling agencies lisled on Ihe allachlllen!. An applicalion for assislance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assisl
you in filling out your application and will submit your compleled application to Ihe
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, wilhin
thirtY,(30) days of your face-to-face mccling.
-..-.-.
.----.-..
II is r.xlrrlllrl)' illlportallllhlll )'0/1 filr )'II/1r appliCalioll pmlllpll)'. If )'0/1 do nOI do .m,
or if )'0/1 do nOl follOlv Ihr OIhrr lilllr prriods Sri forth ill lhis Imrr, forrc/o.wrr ilia)' pmcrrd
agaiml YOllr hnllll! illllllrdialrl)'.
Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under lhe eligibility criteria established by the Ael.
It is exlremely important thaI your application is accurate and complete in every respect.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it
receives your application. During that additional time, no foreclosure proceedings will be
pursued again~t you if you have met the time requirements set forth above, You will be notified
directly by that Agency of its decision on your applicalion,
The Pennsylvania Hou~ing Finance Agency is localed at 2101 North Front Strect, Post
Office Box 8029, Harri~burg, Penn~yl\'ania 17105. Telephone No. (717)-780-3800 or 1-800-
342-2397 (toll free number), Persons with impaired hc.lring can call 1-800-342-2397.
In addition you may receive anolher notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention 10 Foreclosure". You mu~l rc.ld both nOlices, since they
both explain rights lhat you now have under Pennsylvania law. However, if you choose to
exercise your rights de~cribed in lhis nOlice, you cannot be foreclosed upon while you are
receiving that assistance.
Very truly yours,
Slacy Armstrong
Collection Counselor
SM/sjc
Attachment:
IUHARRIS"
D. S^VIN(;S B^NK-'
2];) NlIllh S('t'lllltl SlIl'f"
1'(1. II", rill
Ilillrislllll~~, 11"IIIIS\'I\';lIli;1 1710;).1711
71712:11;11111
i!
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,I
Sl'flll'//Ibl'r 10, 1996
71u! SlIbscribl'r /Jd()\v o.f IIII'll. S. 1'0.\/ qOicr /o('(//('{/ 01 IIII' Fl'dl'ral Bllildillg, 228
Wa/1I111 Slreet, 1Iarrisburg, I'A, dol's IIl'rl'/IY errlify l/wl all I'III'C'/afll' wos //Iailed wil" poSlogr
rl'paid by Firsl Class Mail.fmm IIII' /larri.\ S()\'ill}is TJm,k, addrl',\'Jl'd 10 Ric"ard .'I, Bail', 842
Bosler Avellul!, 1.I'//Iay"1', I'A 17043 flmfll'r1y dl'flOJill'd ill fill' lJ. S. Mail .for dl'livl'ry lhis
10th day of Sl'pll'//Il1cr, 1996
lI, .'I, Pasf C?/lic:1'
/Jy:
Fl'dl'm/ /Juildill}i
/larriS/II"}i, I'A
M~~~~~!~
!,I;l Xnllh ~t'((llld ~11('('1
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lIan 1<.!lU!I!, 1'1'llIll:,~ h ;'llll,l )IlO~.1 ill
il7/:!:Iti..IOII
ACT 91 NOTICE
TAKE ACTION TO SA VE YOUR !lOME mOM
FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able 10 help you. Read the following nolice to find out how lhe program
works.
If you need more information call the Pennsylvania Housing Finance Agency at 1-(800)-
342-2397.
La notifieacion en adjunto es de suma importancia, pues afecla su derecho a conlinuar
viviendo en su easa. Si no comprende el conlenido de esta notificacion obtenga una traduccion
immediatamente lIamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al
numero mencionado arriba. Puedes ser elegible para un prestamo por el programa lIamado
"Homeowner's Emergency Mortgage Assistance Program" eI cual pucde salvar su casa de la
perdida del derecho a rcdimir su hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL
ASSISTANCE WIIIC!I CAN SA VE YOUR HOME mOM
FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PA YMENTS
DATE:
RE:
TO:
MAILING ADD.:
PROPERTY ADD.:
FROM:
ADDREss:
September 10, 1996
Account No. 0181021454
Mary E. Bair
842 Bosler Avenue, Lcmoyne, PA 17043
842 Bosler Avenue, Lcmoyne, PA 17043
Harris Savings Bank
Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
F.XIIIRIT F
YOII may be eligible for financial assistance tbat will prcvcnt forcclosllrc on )'0111'
mor1gage if YOII comply wilh thc provi~ioll~ of the Homcowllcrs' Emcrgency Mor1gage
Assistance Act of 1983 (lhe "Act"), YOII lIIay be eligible for emergency temporary
assl~lance If YOllr defalllt hn.~ been caused by circlllmtallcCS bcyond YOllr conlrol, YOII have
a reasonable prospect of rc.mmillg )'our mOl1gage paymcnls, and If YOII meet olher
eligibility reqllirements cstablished by the Pelms)'lvania Housing Finance Agency. Please
read all of Ihis Nollce. II contains an explanation of your rights.
Under lhe Acl, you are entitled 10 a temporary Slay of foreclosure on your mortgage for
thirty (30) days from Ihe dale of this NOlice. During thaI lime you must arrange and attend a
"face-to-face" mccting with a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this mccling is to attempt to work out a repayment plan, or
to otherwise settle your delinquency. 111is mccting must occur in the next (30) days.
If you attend a face-to-face meeling wilh this lender, or with a consumer credit
counseling agency identified in this nOlice, no furlher proceeding in morlgage foreclosure may
lake place for lhirty (30) days after the date of lhis mccting, The name, address and telephone
number of our representative is:
Stacy Armstrong Colleclion Counselor
Harris Savings Bank, Seeond and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 293 or 1-800-554-4572, ext. 293
The names and addresses of designated consumer credil counseling agencies are shown
on the attached sheet. It is only necessary to schedule one face-to-face mccting. You should
advise this lender immediately of your inlenlions,
Your mortgage is in default because you have failed to pay promplly installmenls of
principal and interest, as required, for a period of allcasl sixty (60) days. The tolal amount of
the delinquency is $1,150.24, Thai sum ineludes Ihe following: Payments of $373.62 for Ihe
monlhs of luly, August, and September, 1996, late charges lotaling $29.38.
Your mortgage is also in default for the following rcasons: None
If you have lried and are unable to resolve lhis problem at or after your face-to-face
mccting, you have the right to apply for financial assistance from Ihe Homeowner's Emergency
Mortgage Assislancc Fund. In order to do this, you musl fill out, sign and file a completed
Homeowner's Emergency Assislance Application wilh one of the designated consumer credit
eounseling agencies listed on the attachment. An application for assistance may only be obtained
from a consumer credil counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submil your completed application 10 the
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within
Ihirty (30) days of your face-to-face mccling.
FjIj~~~~l~'
;!:J:j ;":Illlh Sf'l'flllll Sllt'l't
1'.0. UO' IiI 1
Il.1r,;,I>\lr", I'.",,,yl\',,,i. 17105.1 ill
il7/2Jr,.-101I
,- .
CUMBERLAND COUNT!'
CREDIT COUNSELING AGENCIES
Conswnu Credit Counseling Service oJ WeJlem PenlLfylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
Urban League oJ Metropolitan Harrisburg
25 Nonh Front Street
Harrisburg, PA 17101
(/17) 234-5925
FAX # (717) 232-4985
YWCA oJ Carlisle
301 G. Street
Carlisle, PA 17013
(717) 243-3818
FAX # (717) 243-3948
i
23900q356W
,
0-- ".~..- I .~--- ..---__
'orm 666 (Y) 701 I C.p.,tm.nt ollh. l....u . Inl ",111.Vlnu. Servlc.
Olllr ct erlel Number ,
Philadelphia, PA 2 00156
AI provided by eoctlon~ 6321, 6322, and 6323 of the I torn 1- R'lv~~-ue
Cod., notlc. II given Ihat taxoI (Including Intorosl un p.n 11100) havo
been ellel..d egllnlllh. followlng-nlmed texpeyer, omn d f,)r pay.
ment of Ihls liability hall beln mad.}. but It romalns u paid, Tll(roforo,
th.r. Ie a lion In favor of the Unltld tillites on all pro"s y a d rl!lhls 10
Pl'lIPlrty belonging to Ihle taxpayor for tho amount 01 hose tnxlla, and
addlllonal ponaltles, Int'r"t,ond coata that mny nccrue.
--L-
axpayerRICHARD S & HARY E BAIR
I
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LEHOYNE,'PA 17043
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IMPOR1NH RElEAS!: INF'ObMA110N: With ,e.:,ecl to each .sleU"Ienllill d t.low, un.
1.19 M\lcn 01 lion 19 ralllod bY' tho dato glvon In column (0), thl9 no\l~~ ~ha'. 011 the cloy
follow'ng such dale, 0~Qr81Q or a c~rtific8lQ 01 '.":210 &9 d.nned in IRC 632 a).
.~
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Unpaid nalan~o . i .
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127'46.51
10036.02.
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Pro~honotary
Cum~erland County
..c..a.t:..li.1o P~-1-
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This notice was prepared and signed at
,
IlIng
TolAt $
,22782.53
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Ihe --O!-nd-day ol-Hfty-.~-. ,g~_'___.
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fgi1atur. I' ,~.J,
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RevenuA Officer
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lNOll: r"rlil.r,,'o rl ol',eer I1Ulhl'Jrll1d by r.... 11'1'101(& (!rkr,c.....lc.l1U".o. ~\ 11 Iv,1 (....."11 /I' pI". vn<'IJily !:II t-!~"rtl 0' r.do'!'I1 lAC litl"l
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od ,we Ire ~IVlng I nollc. that tox.. (InclUlllng Internt and penlllos)
ave boen 088 ssed Boalnll thl 101l0wlng.nam'ld tuplyor, We ~ve rr Ide
de nand lor paymenl ollhll liability, but 1\ ,emalns unpaId. hore oro,
Ir la a lI.n'ln Ilvor ollha Unlt.d Stites 01" all property on~ rlgh II to
rop rtY belo~glng 10 Ihls texpayer lor tho I'mount 01 thllo tues, Ind
ddllon'el pon llIa.,lnterl.t, and CO.tl th.t ~'y Iccrue, i
I me 01 Taxpa er r<ICHARD S 0. MARY E :(lAIR --,-
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842 DCISL.ER AVE
~EMOYNF.' PA t 7(14';' ,
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1M ORTANriRELEASE INFORMATION: For elch assessment 1I~led b low,
unl~8S notice of lien Is rellled by the dote given 1.1 column (0), this ,otlee hall,
on the da~ following such dale, operate 09 a CE rtilleale 01 release 85 d tlnell
In IRO.e..32~1~\.., . <: nt:< 'IHNAI nA1F 'rN '.-,1 I~\ ***
, . , Tax Period I Dale 01 L.oSI DIY
,
Kin olTax Ended Identifying Numher Assosamen RlIlllln
(a) (b) (e) (d) (0)
1040 lZ1311e~ 182-40-91 :'.,:< (l"'/I"I':"~ (, I HI',!::
lCI40 lZ131/67 182-40-91;:8 061Z3/~;t (I /2'1.:./':".
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Car II II. , PJ, 17(113 I
(I I'~ I na I Record I r,~ Datal ,
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his notice w s prepared and signed al -1"h i I ade I nh i a . Pi .
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"'':'''1 cl olllc~' ulhOrlrc.d.bj I.w 10 13k, IIclo:"o#il(d'Jtt.~n l!f ~Ol ,ts .,1 lallo Ihl VI
n".... Rul. 7 -166,1971.2 c.n, 409) J I
, POri, ' Kept By Recor~lng ( II let!
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1I1ily 01 NOlic. 01 Feef.r.1 hIli'"
rorm 668 (Y) (Ro~, 10-93) .
L T1HIS NOTICE CORflECTS or,:IGINAL NOTIpE 2691;1)0$408 FILED ON 04/00190
- Jorm 0:81 (Y) - Oe,jUlmenl of 11,1 Trlrlurv Inlernl; nlvlnul snvlc~
( ... OClOb" 1m) I Notice of ed ra I Tax LIen
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--lS;{i;;I-~b;--T '- 0' Opl1onftl Uu by Rocorc/nQ O/l'eo_
Phl'ld"phla _1_ I 23940 ~
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AI provld.d by &Gcllons 8321, 8322, an,d 6323 01 Ih. Int.mal Re'/enue -rvv 1
Cod., w, .re giving I nollce IhlttSXI8 I'ncludlng Inlllesl and .nnltln) I='TL
h.ve b.en lIIuu.d ag,'nlllhe rollowln".named laxpaYe~We ave made
. demln;d lor payment olthl. liability, t.,'UI It remalnl un aId, herelore,
there Ie ~ lien In Ilvor 01 the United Bta.l&! on all prope y an rlghtl 10 ~ .
proplrty belonging to Ihle laxpayer lor ,the amounl 01 thua X8f1, Rnd ~) ,
addition I penlnl8l, Inlar..', and coelll~,el may accrue, : '" . , l..D
ame 01 BKpayer RICHARD 5 ~, MAT E DAIR .':~:,.<. ~;
84Z 13')SLER AVE I >'f;iC :~
LEMOVNE, PA 17043 I ~::..
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IMPORTANT RELEASE INFORMATION: ,For each assess enlll led beh)w, lIq.OO(lO
unless hollce 01 lien Is rellled by the dale Illven In column (e)', Ihls olic'l shall, c.lI...tl 1~~oq
on the ~ey '0110 wing such dalQ, operale as a certificate 01 r lease' as defined
I I 2 ,REelS ORIClINAL O/,.TE IN COL. (.1 ' .. ~tI \",;J,.~~
Tex P.rlod I Dote 01 Lnal DIY lor Unpaid Ballnce
End.d Idenlllylng Number Auessmen ReI/ling 01 A.....m.nt
(b) (0) (d) (e) (f)
, I
1SZ--4I)-91Ze I)Sn:us
.x
040
1 Z/:.H /86
(19/21/98
12~93.67
,
I
Place Ofj'Flllng f','QthoM;hry
Cumberland County
" Carll,le,' f'A 17013
prlg/nal Rucordlns Datal '
. I 1151l!i~ I.,
: . I f'hlll,jllphl, FA.
T~ls nore was prepared and signed all
,t! 26th d , June '., 94/
e --l- ..a.~~..__._.~-'..~~_:,._,._\:..
I . I '. f 'I
s,lgnalute ,....:. I
, ,..... (, \ .,.
.... "j' .
..I~'l III Int." 1lr\""I""I"lllll'rtl~ III ,., ',','.MII", '0 l~" Vfllld:ly Of "ollel 01 red."" Tu lIen I
n.." ... .'. ""1""''' """ "Ii,,," Form 669 (Y) (Rev. 10.03)
F.XllrnIT Ii .
. - ...,
Tolal $
12293.67
_ , on Ihls,
Ille
I
Chief, S.P.B.
el
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70 l CIP'irtm,nl 01 thl TruIUr . Int 'n,1 Revenue S.,vlce .. ;,
Nollce of Fed,!raITax L1enIUnd(nternal Revenue Laws . _
rial Numbar For Option.' Un by R,eofflfng om!!.. .
Philadelphia, PA. , 23902, 858 .st..~/'
_I _
I
I Ae pro~ldOd by leotlons 6321, 6322, Ilnd 6323 01 thl ,Inter 01 Fllvnnus ~ /13
COdo, olloe II given that toxes (IneIL,dlng Inlerosl Inil p' ollie I) have I (/ .
been II lined aglllnlt Ihl followlng'lIamod tllxpayer,!Dom nd lor pay.
ment 0 this IIlbnlty has beon mlldo but It rlmalna u,npal , Thorlforo,
thero 11\ II lion In favor ollho United 9,11110' on 1111 proJlprty d rlghll to
property belonging to thll taxpllyor fcor the amount of, thee tal:oe, end
IddlllOral panlllles, Interelt, and COltl: Ihlll may accrue,
Name 01 Texpayar RICHARD S & HAllY E BArR
, I
i
842 BOSLER AVE I
'LEMOINE, PA 17043
, . I
,IMPOR ANT RELEASS INFOnMATION: With "lspecl to each ams menll tQd lelow, un.
le!1 no\lce 01 IIln II refll.d by the dele given In column (0), thl! " tlce ! ell, C n the day
: fOIlOWlnr .uch d.t., opera'. 81 , CQrtlOcftlO 01 '.ele069 I! deflnQd In no 63 ~(ft)
prothonotary!
Cumberland C~unty
Carlisle, ph 17013
:.l' I
Thl;,:I:'~ ~as preparad Bnd signed at -
jha ~deY
. gnat re
I
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'.rm 668 (V)
Kind ohox
: (0), .
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239027858\1
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Ended
. (b)
12/3'1/89
~l' 01
Ass ..me t
(d)
,
08'1'''
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lest Day lor
Rallllng
(8)
-
Unplld Balancl , .
of A.....m.nl I
(T) .1
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.' '1086:1 .;23 .
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Idonlllylng Numbar
(:)
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09/12/00
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Tolol
$
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10863.23
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Revenue Offioer q II
! 23 -0 1 ~ 1 441 .
INQT!: C"r111e:alt 01 officer lulho,lUd by IIlN 'O'i~MO ll:"..,e'....:.rlQ.r.."'./! not. ..nllll t" 'Ihl vl'I'Ir1'lt 01 Not'ce Of fed",., fIX hen .
10.'. 1M n~eo, 1071 .20,0 ~OO) IF" -9 Y)
: orm 6" ( (~"'. 7,e~)
EX",nIT L '
.
for Denn13 Zmvdz1n
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r~ O~ I,'.'V'IGVI/ I :
'O~ GuSty) 7 01 o;;;;;:!:I-;'I-;h~' ;;~.;~: fl:'~. ~.~,,;u. &"'1"-----' -- ---.-~~
;:I,::~', Notice of Fed~~~~~~~,L~n ulder ~llirn~1 ~;~,~~~ :.~~~_."" ""~
_ Philadelphia, PA ,_ 239100~20 5&>8%'
Aprovldo by ..ctlons 6321, 6322, and 6323 01 tho Int.~nal ovenulI \14
C de;, notloo I. glv.n that taxe. (Includlnulnt.r.at and pqnllltl s) t,avlI f5 .
b .n lIaaes:sod egllln.t Iho 101l0wlng-nlm'ld laxpllYlIr, DOll'llnd or IllY'
m~nl'ol thlll lIabmty hi' b..n mllde but II r.malns unpllld, T ro ore,
Ih/lro,ls IIl1l1n In IlIvor ollhe Unlt.d Stalon on ell prOllorty and ghts to
, prop.rty bolonglng to thl. taxpayer lor the amount 01 the 0 ta os, end
a dlllonal p'.naltlee, Intorest, and costa that may accruo,
. I
'lY' Taxp)lyor HA RY E BA I R
:1 BAIR'S CRAfT WORKSHCP
onco 00 MARKET ST., REAR ;\
EMOYNE,PA 170Q3
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I PORTANT RELEASE INFORMAl ION: Wllh reepect to eeth eSlusmenl leled
1 IS nollce 01 lien Ie remed by the dele glv.n In column (e), thle nolic. . all, 0
t lIowrO euc 'dete, optratt I' a certillcate 01 releese es defined In IRC 6 25(e).
,
, ; I;~ Tax P.rlod
KI d qt:Tex I!nd.d
(a) (b) .
--- 911,1 06/30/89
9~'1. I 09/30/B9
9111 I '12/l1/89
~~ ~ i ~~~~'~~~~
9ijO 11213-1189'
i
Idenlllylng Number
(c)
25-'15Bl34~
25-.158:13~;~
25-'15B'13IO
25-15B13li'~
25.1158013 41
25-\15B\13~9
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protho~0~8ry . - I
Cumberland County!
Carlisle PA ~ O~'
Dale 01
A"Gnment
(d) I
. I
7/30/90
,
713019q
10115/90
,
10/15/90
,
10/'15/90
10/15/9d.
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. his notice we prepared and elgned al
low, un~
the dAY
BIt DIY lor
Rellllng
(8)
UnpaId B.I.nee
01 Ae....m.nt
, (f)
270,02
~76.112
'1333.90
63B .58
6ij9.0B
62.65
B/;19/00
8/;!9/00
1/.14/00
'1/'1~/00
1/'1~/00
, 1/:1 ~/OO
.,
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Tot,l $
3430.35
:-
Revenue Officer
2 3 -01 -,1 1\ 4 '1
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trle ' Serial N Jmbor I For opllon,i U" by R"ordlng OIfJCII ·
,
t, ..
,Ph ladolr.oIo1a, PA I l::<,<'!c "re,::.
~,p lovldld b 8ICllonl 8321, 8322, Ind 8323 M Ihe Inllrnll RO~lnuKcode,
;1I~ II glvlr Ihll lax.. (Including Inlerest and penlllles) hav bun
"l..d agll~II thl lollowlng-nlmld tlXpaYII~, Olmand for plymenl 111i11
bll Iy hIS be,ln madl, but II r.mllne unpaid, Thlr.,orl, thlr! la I Iln In
~vo of thl U~ltld 81alea on all prop.rty and rlghll 10 prop.rty lIon Ing 10
la laxpIYlllfor the Imounl 01 Ih... IIX", and Iddlllon I p' II1Inl,
t....~, and COlt. th.t may accru., !
~e oHaxpa er MARY E \:lAIR I
I ',I E<A I R 'S CRAFT WORf~SHOr-.'
I,' :. !
,
luldbnc. ~11l)O MARI<E1 81 REAr~ !
~EMOY~E' ~A 17"4~~-141<1
! 1M ORTANT RELEASE INFORMATION: With r',Ipect to each asse smer IISlld
, be ow,'unl.sJ notice 01 lien Is reflled by tho date given In column ( ), thl notice
sh II, 9n the ~ay lollowlng auch dale, operate" II certificate 01 releue as efined
In RC832e(a): . ' .' ',' !
. Tax P.rlod
KI d (~ Tlx ,I!~;d '
12,131/89
1
i
Tt a npUco y as propared.rid :~Ign'eci.~t !;:.:"~I~j"j a-::i;Tpt.i" a.. PA
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Sllpt.,~el."'I"'.'9~! - J
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... (/
Title I
:
(H01EIC. 111'"11 01 010'" 1,lhO,lud by IIW 10 II~' ,c<t\owi,dgm"l. II nOI.I"nllll ,0 lhl ~IIY olllollel 01 Fad"" TalC II.n
~ev, Rul. 7.ee, tG71 ,2 C,II. 'OG) I F.XIII A I T N I
, I Form 888 (V) (Rev. t,Gt) .
~ ' Pert 1 . Kf'lol 01 nn~n"J.n 011.(.
6~.'3Z
Id.nUIYI(~ NUrT:blr
2;'='-1"F.l134'~
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Thrlfll33 Kll,ne
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tl~. 1 Ll....., :3ays, th~t he 111dde;.1 dlllgent se;Jrch and l_nqull'Y 101 tll>:' "ilt.tl.:..r.
rl-:J'l1,?d dj~"f€'nd,3nt. to ;/1 t:
PAIIi EI'HAEr.,
but .....,_iZ unahl+::-' too ] ocat~>
111111
1 fl ~\ 1 ,,:~ t. a 1 11 ..... 1 C k.
11._, t.lil}j''':''.l('l'e ft.:." IJj ii.~
the' UIMI'I,AINT - ~liJ~; r F\J F; 1-:
ti~lTln
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11,\ [R r-H:HARli ::;
6X'VJ~::Ei-) ny FJ\ilL fl. I--;:~T~~t) r:iAT ril.;r- :'. :iA::: HI-:l::U
rl":I>:Ac;l~r, FUR T\l11 Yr.AF;c~.
~;h-.'rlii': Cus:t.;:;:
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CUllli lY IW rUI1HI',HLMII'
Ht, iii, I', ..;^ V UjI ifj..JlA NJL.
V::;.
llAJJ; JiJl.:HAIW :; ET AL
r I M'-' I HY I",: IT,:
~-;herlfl (11- [1t'..'PUty :;',hprll1 of
I Uf1DLI:LAN[1 Count.y, fcnosylvanl.J, \lho bC'lng duly 3\101-CI accordlnq
I." 1'110', 3CJY"" t.1l1? Io'lthln 1.~llMI'LA1NT - MOHr_r'ld.W:
up"n HA1R MAHY ~
was :i'?I-'1ed
dci'?ndant., at
111'2:(/10 HOURS, on t.he 1 'It_t~ day 1)( .l;-HIUrtr'!
lLjLJ/~ at
B'l:: IIUSU:H AVUWI::_______
ILlwnlf, , PA 17c!43
__________. r.:UMDEkl,AIIl'
C:llllnt>', /'E'nnsj'lvCillta, by harlr:ilnq tfl I'AI_II. II, ~~;~'p.~p
,~"I",I' IN UtAHI;'
;J I, UC' ::lnd at. t (}stpd GOp)' of t.h'.? !'IIMf'LA [UT
MIJT< l 1.111,>;
:Intf ~t thf? 503n1C tl_mo dll-c~,:tlng His. .Jlti?flllOn tel t.tlG' cont.€'nts therE'cf,
Shr:>r lff's (.03'-5:
l'oclwl1 nq
SerV1C"e ~
Affldavlt
~-;urcharg'?
f:>.QI(,!
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. QlQI
::.00
.-;0 'll;::-~>, ~/~4. A
:.j ):Jf;;.. .......'< ~
r:. TtJoma::i r.llCle, .:> lerlfl
se.00 HOBC~l C. MyeRS
02/28/1997 ~
by -1 ;/.'..'
t2._/VI- Vi/
~:lW(lrfJ ;tnd 1Jubsl;r lbed to vefore mf:>
thu; (. tJ.. .hy of ,h~L-
1'1 _''t 7__ I,. [0,
'__;""/'<-' C, )lkU,... I\i.'j":;
PlothonolCJlY
f
the-
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'il,!T liF 1:IJIHIT'i
f, A' ..1 Iii i : l' ," I / l!1\) 1.'j I I'
(11~IJ1L'I.WI:,"1 fll 'W I UHf iYl.VAIlI A:
("'IIIHY III-' Cl!M 1\1'.ln.AtH!
IIldiflll; :;AVINI;;> lIftll"
v':::.~ .
IIA III nrCIIAfiD ;; ET AI.
H. Thr:'Hlli)S KIlne
Shl?rlff, who bE?lng duly L'1WlJrn according
i0 li-jw, says, that he made a dlligent SC;Jl-ch .:lnd l.nqulry fOl- t.he withlo
n;.]mcd defendant. to W1 t:
IINln:ll Cif"Af"rS liF AMI-:HICA
but. W;JS IJn::lbJ r:' to IOI'ut.e
rh'='lll
Ifl tl~3 ball1wicl~.
Ill? i_ heref or e
dC'llllt.l.:r:'d t.he? ~hE'r' 11 of
1'1111,M'I-:LPH IA
_ I:ounty, Pennsyl'/;:lnl-3,
I." c:;r"vc' t.hE' loUIIn CUMJ'I,AINl - wJln j-"'JfW
On Fl"brll,:Jr)' 2t\th, 1~)97
the attached return from
thlE olflC~ was 1n recelpt of
Pill LA[II':LPII l A
Count.y, Pennsylvanla.
Sh0riff's Costs:
Uockptlno
Out of County
::-iurcharge
f'1I1LA[IELPHl A CO
1';.00
9.00
2.00
59.00
","lb. iIleJ ROBCI< E. MYERS
0~/28/ 1'397
~~(J answers:
(
R.l~h~~~:~~S .
i/ /..c r-
Kllne, ~herllf
:~;WQrn and Dubscrlbed to before mE?
~
tlJ1G I,'~ ,jClyof '/1J.,.u/..~
J ':1 r; 1 _ r.. [I.
,---L,y G. 1~4((,~ I Ujir.,
J---J r' 1-0 t, hono t. a r y
SHeRIFP"S RETURN - SUMMONS/COMPLAINT
.
7/61 vetL ,{1/11
,."., "'" ,.. ~~~~~
C~V COURT
If /f(J TERM, '9
NO, 1/ //,,/j tC1- fll
VERSUS
~)/r
SERVED AND MADE KNOWN TO
I(~;!I
o D~dant
la15efendant Company
copy
of the Withiij 1mmons/comPlaint, issued in the 1 captioned malter
kJ'/~1 I
, 19 , at 0 clock, M., E,S, T./D.S,T,
f' ,).1
1.'
on
at
State of Pennsylvania, to
, ' in the /)punty of Philadelphia,
'/, W1ldf
C1 (1) the aforesaid defendant, personally;
o (2) an adult member of the family of said defendant, with whom said defendant resides, who stated that
his/her relationship to said defendant is that of
o (3) an adult person in charge of defendant's residence; the said adult person having refused, upon re-
quest, to give his/her name and relationship to said defendant;
D~
@(5)
o (6) the
the manager/clerk of the place of lodging in which said defendant resides;
agent or person for the time being in charge of defendant's office or usual place of business.
and officer of said defendant Company;
_rlURN IU WD 5't;JSClilll!:'f"
,
.elcro 'nQ I:::' FEe 11 1997 Ja
-.
So Answers,
II
tlolJrialSo,11
J(ldel!C' (l,u,.tC'r. Jr" NCI1fY rlJlic
P:~,IJdc:~'lll, FII!.ldl.lpil,.l '.~ ;!1'Y
r.~y Camm:~son bp~rc.-, Jr w .~, 1 ~98
Moolbor, Ponns)1varJJ Ass<io.iiQl I _, NolIIIW
JOHN D. GREEN, Sheriff
--:'-J;;7'f{f': i:'JJ 1 ~
~..Q. V'-(
",".:.ry J'~lJ.c
11':18 tRt'... 12.~7)
I-
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C .:.1.:~ V l II:::::::
I
First l'pderaJ Savinqs & Loan ^ssoclillior\
:10.
97-185 Civil T~rm
.~
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llniteo States of ^merica
;';ow,
.Jan. 14, 1997
:9_ !. S:-::z:=~~ 0:' C~G:;:.!....1_'\i'~ CO~;{':? ?A...'t ~:J
:.=-.:::y ~..:= == "..-- ci
Philadelphia
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(hair96.com)
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by merger
IN TilE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
Plaintiff,
CIVIL ACTION - LAW
vs.
RICHARD S. BAIR and MARY E.
BAIR, his wife,
NO. :
Civil 1996
and
UNITED STATES OF AMERICA
c/o united States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
Defendants.
IN MORTGAGE FORECLOSURE
COMPLAINT
COUNT I
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK,
BY MERGER VS RICHARD S. BAIR and MARY E. BAIR, his wife.
1. The Plaintiff is First Federal Savings & Loan Association
of Harrisburg, now by merger HARRIS SAVINGS BANK, a corporation
organized and existing under the laws of the State of Pennsylvania
and having its principal place of business at Second and pine
Streets, Harrisburg, Pennsylvania, 17101.
2. The Defendants are RICHARD S. BAIR, an adult individual,
residing at 842 Bosl er Avenue, Lemoyne, Pennsy I vania 17043; and
MARY E. BAIR, his wife, an adult individual residing at 842 Bosler
Avenue, Lemoyne, Pennsylvania 17043.
,
3. This is an attempt to collect a debt, and any information
obtained will be used for that purpose.
4. Defendants, on September 7, 1984, entered into a mortgage
loan indenture with First Federal Savings and Loan Association of
Harrisburg, now by merger Harris Savings flank, in the principal
amount of THIRTY SEVEN THOUSAND AND DO/laD ($37,000.00), DOLLARS,
the terms of which loan are more speclfically evidenced and set
forth in the mortgage indenture dated September 7, 1984 and
recorded on September 10, 1984, in the cumberland County Recorder's
Office in Mortgage Book 760, Page 454, a copy of which is attached
hereto, marked Exhibit "A", and made a part hereof by reference,
which mortgage contains and is a lien upon the property situate at
842 Bosler Avenue, Borough of Lemoyne, Cumberland County, Lemoyne,
Pennsylvania 17043, being improved upon with a dwelling.
5. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated September 7, 1984, a copy of
which is attached hereto, marked Exhibit "fl", and made a part
hereof by reference.
6. First Federal Savings and Loan Association of Harrisburg,
now by merger Harris Savings Bank, in consideration of the said
Mortgage and accompanying Note, advanced to Richard S. flair and
Mary E, Bair, the sum of THIRTY SEVEN THOUSAND NO/100 DOLLARS
($37,000.00),
7. The premises subject to
specifically set forth in Exhibit "G",
part hereof by reference.
8. Richard S. Bair and Mary E. Bair are the sole owners of
the said premises contained in said Mortgage.
9. Said Mortgage and Note have not been assigned in whole
said Mortgage is more
attached hereto and made a
or in part by the Plaintiff herein.
10. Richard S. Bair and Mary E, Rair are the record owners
in fee simple of said premi Sf'S by vi rtue of a Df'f'd dated ---.J?J;h
Septembel;J 1984 and recorded in thp Cuml1f'rlanrl County Recorder's
Office in Book W-3~_, Page _7_8.9.__.
11. No Judgment has previously bpen enterf'rl on said Mortgage
or Note in any jurisdiction, and said instruments are less than 20
years old,
12. The said Mortgage is in default because Defendants herein
13. The Plaintiff has given to the Defendants written notice
t
i
!
!
i
-,
i
,
have failed to make monthly payments of $373.62 that was due and
owing for the months of July, August, SI'ptember and October, 1996
and a monthly payment of $371.20 that was due and owing for the
month of November, 1996.
of intention to foreclose on said Mortgage as required by law under
Act 6, dated November 4, 1996, copies of which are marked Exhibit
"C" and "D" and attached hereto and made a part hereof by
reference.
14. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
November 4, 1996, copies of which are marked Exhibits "E" and "F"
and attached hereto and made a part hereof by reference.
15. The entire principal amount of THIRTY SEVEN THOUSAND
00/100 DOLLARS ($37,000.00) has become due and payable, together
wi th ,interest at the current rate of 8.625\ per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said Mortgage less such sums as have been paid on account of
principal of tho said mortqaqn and contr;.
16. The Plaintiff believos and therefore avers that
reasonable legal fees for collor;tion is $_J..I_l19.~,
17. The Defendants lire liahlo to the Pl"intiff for interest
at the current rate of 8.625\ per annum until paid and expenses as
provided in and collectible under the mortgage documents that will
accrue until distribution by the Sheriff of Cumberland County,
Pennsylvania, to be computed at the time of judgment in these
proceedings in addition to the current loan balance and thereafter
until paid.
18. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A.
Principal amount and interest
due through 11/30/96
$ 33,552.08
B. Interest at the rate of
8.625\ from 12/01/96 to
06/04/97:
TOTAL:
$ 1,433.00
$ 184.69
$ 1,749.25
$ 248.0Q
$ 37,167.02
C. Late Charges:
D. Attorney's Collection Fee
E. Escrow Due
19. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the United States of America.
COUN'r I I
FIRS~ FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK
by merger, VS. UNITED STATES OF AMERICA.
20. Paragraphs 1 through 19 are included herein by reference
. I
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unlfn'I'Il"hl)' Wilhh,ld
^"II1'UUtllU' pl1lid\'C IIlIrI ""t\loal, .hAII h, nl'urlllhlt III I (lIlit( .lId \h:\lIl11thuft II 'lfllld'1ul nloll,"" clllll\t'.
I.c"",,, ,hilll tHI\~ Iht ,i.hl lit '"IJ,j Ih, rrolic'it1 jlnd ""'"1,1, If I CIIrttr '''I"ift'', II",,,,,,,,, \h:\lIl'fromrlly 'l\C In I t'lldu
1111 ftu"il"".rI'.lilll'h'n\i'llll'lIllll I\'lltl\,11 nl'lin', 1IIIhl'I'trul or I..". 1I111111"tl ,h}llllli\t rlrolll!,llllllil!' In Iht' """,mln'
1"llllit.",llllll.l'IlJI"' I flllle' m:l)' 11I11\'" rfl,"f 11'11'" i'IIC'1 1U11I1,. pllllllrll)" hl' l1011rt1\lt,
Unit'" Ltlulc, dnd lI,ulI'"'' I1lh<,",i~t' II"" in" I\tillll. it"llllllrt rfl''Il,"c,rh ,11,411 bt orrlltd III ''''!('I,ulioll 0' rtr,i,
of Iht' 1'101'"'1'1) ll:\m'J,.t,lr Ih, "'lnr:lIl/'1o /'I' "rai, i. 'l"nnnrnicall)" fu,il,l,. IlId I ,,,.1,,'. "clUll)' i, nolltutlltcl If Iht
It'h'lIllon nf f'r3i, It MI tCllltnmknll)' rutltll, 0' I 'I'Irl",', 1rt"lIIil.. "(llIlrt"t I""",,t. Iht In"Hantt' r'f'lCf'tlh "111111,,,
Itrrlirlllnlhl' ~1I"''l ,,'flUtll h)' ,hi, ~I'n"il)' 111\!f1l11l('1I1, \ltl\th" II' 11l.llhtn dill', "'i1h 1111)' nc('\' ":llrt In nllll"*t,.1(
III'lfl'''' 1,'1 Itl..tllll"II~ Illl' 1'1"1":'1). ,., 11.".\ Ih'l ;111'" I" \\1I1t,,, 'I) 11,,)\ It ''''1,\'1' r'"IU I "11111"' Ih,ll Ihl' ill\IUIIIIU: nUll,., 1m,
nlT"'l'tJ II' ',lilt I ,blnl,lhtlll,tUlu mil)' ",11ft lilt, in'ur:JII\', r(l"""d, 1 ,n,l" n'~y "" lht rlt'll:ulh h' f('rlli,", Inln'f
Itlt )'Il1(1fII\. Of In r:\) \11"" 'tl ulfd 1'1)' Ihi, 'it(lllil)' I,,",umtlll, ....h'I.'t1 l'r nO! IlItll dill' 1 ht ,'0 Ilay I",'ri.)(t \lo11111f'1i"
\II hrnlhr 1I1"kt i, Ai~,"
1I"lt\\ trIlC!U I"d "1'"(I"'t' (\llItl..lt, "11t' I" "Iiunll. Inv .rrliralil'll or r'Clcttd, In r,incir.ll \h,llll1l"1l rll,l1d (I,
rn..lrnn~ lilt dlJ~ dllllt Ilflftt OII'nlhl.. p,'Yl1lcnl\ ftrt,rrrt 10 In r:\'ill':1rl" I :\Ild , I" ("I"lIll.t I", ImClunl 1" Iht r;\'ll1tlll\. If
unllt'r:\,,_urh IQ Iht r'Opt,l) it IIc'1uiltlt hy hlllltt, Onlln,,,", fl,.hllClllny i"""lUlct rnlicin nnri 1"CIl'uch 't\l\hiltl
hom Ihm", In 111" r'"!''''I)' rrin, In Ill' It'1ll1\lIlfln ,hill r"u In I '"et" In Ill" tll""1 nrth, ,unl\ ,tru'l'ri ~)' Ihi, S"ClI,il,
1""IUn\t"' i,","cdllt.l)' r,in"n lilt ar'l"hlllllll
~. tltUfntlnn and Mllnltnlnt, nr rf""nl)ll.."hllldt, "000"''' ,hllll nnl rtnlfo),lhmaJe 0' \ut.tlAlIllll1y
ch:lnJ:' Ih, 1'1"('1."1). allnw II.t l'Inrr,ly 10 l!cltfio'AI' n' "(lllInlil _ 11'1,. H Ihi. ~~t IIlily In'l,um'"1 h I'" .. Irlluh'lld,
nllflcl~(f ..h;llIuIIIIIII~ wilh lilt r,m.i\lllll\llClht' Ir.I't, 1",,1 II I1fllltl..tf Ul'l"i,t, ftt lille IOIIIf' 1""rtrl)'.II" lu.rhnlJ 1"11
retlill, 'hllllllClIlI\tfl' Ulllt\\ l.,"drr ,,"nlnlh, "'tfl" In ",illlll.
7. rwtullM of I.-rid,,', Rill"" III (h,. r''',,''I,; l\lnrl.'I' In.II'lnt" I( nnlfn_" faih III rt,rOlnl Iht
dn,nlllU IIn" Illctm'"I' ((lnllintI1 In Ihi, !'''I'Ufil)' .",I,um,nl, (If IlIt',t i'lIlf.lIl r"oatdi"K Ih:ll m.y 'iICl\(fi'lllllly fIR'ttl
I.tn",,', '11111' III Iht 1""r'")' hurh 11\ . rl.\Ct'tlli"_ ill "II"lnurley, r,rhlllt, (lH cn"dtlUlUlin" t'If In ,.lIrCUCt h,.. 0'
Itluhlinll\). Ih,n l,nrltt I'II1)'dn anrl r1y fflr \loh:\ltvtf i\ I1,C"'.")' In rrnlul th, ultlt"t lilt 1',rorr1Iy Inti I 'Ill"r', liahn
ill lilt l'fllr<r1y I.tllda', 111"111111' 11I:\)' indmlr I'J)illllllll)' tI""1 ,rrulrllt.)' ..It'll _hit" 1111\ 1'ri,uil)' l1\fr Ihl, St"llUI)'
IntIfUn\""',llrrl('lIll1lln ClluII. rllvin, "I\nnl"l, IlInln,y" r,,. ..n" tnlffinlolllh., l'rf1('tlll' 10 m~h Itt"l.. Ahh(\u,h
I tl'ldll "',)' I:lLI Ill'IIt'rI Ullrltr 1111, rl'nJ'''rh 7, 1 "111'1'1 (l'l~' n..' hll.., Inri,..,,,
Au) ."I(I\lI'II,rti,hUn,d h).ttnll" IlIlllu 'hi, rllllllllrh "hll1"hl'l1ll' I,MhifOtll1 ri'''1 0' n""'lm,( 't~llIl'd h)'lhit
~tCllllly 1/I~lluntl'nt Unl,,, lI"flnw" I"d 1'l1dll I"tt 10 nlh" IfI"" or r;I' "\rill, Ifln' 1111(1\1111' 'lull...., in'ut" f,o",
Ih, d;u" I" ,1I''''''''!'"ltnl nl Iht Nf1lt 'IIII' MId 'hull I,,' l'IIYllltl,. "Ilh illlllt", urn" l1nli,r frronl l!,lHltr III llro"o"'"
uf'Jltt"lill'f'I1)nltlll.
t,'IO\ ;1;11111.1 !:{,
II r.,nd.. "~"Io." .'n"I'" In'''..,,,.. .. . 'nn,lIll"" nl ",.llnllh, In.n ""u.d hy .hl, l"'lul,y In"'''.It",.
nn"o"" .h,Ur'y 'h, rltmh'n" "~ulo"I'n m.h".ln II.. I"""."" I" .",cr "',fi/ ""h II..... "" "~ul"',,'nl lor 'h.
lmu""ttlrrnll".tn III.rmrdAI1CC' ....irh nnrro\lu" IIlId (1'1If1,,', "",h",. ,.ftfRlfllllll 'rl,liubl..l.w
~, 1.....11... l.,n,l.. nri'''I,n' n..y ,n." ,.....,hl..""I.. "rnn .nol ""I"",..n, 01 'h, l'Iop,,,). I ""I"
Shlll,h, DOllOlIiotr IINkt 1IlIl/Hlmt or nr prior In II1I"'r'CIIl'\1l 'rtrir)'ln, rruflIut.!t flint ror Ihr IIl'rtrll('l11.
9. Co.d,m..lI.., lh. rr""ff,h ol.ny ....d n, d,h. 1m d..."", d"t<' 0' .n'''.qlltnll.I.I. .n.""'lon .ilh
,.y .nnd'..nftll"" ., .'h.. ,.11",.1 .ny rill n' Ih. r,n"'''I. n, I.. "0"1'"'' 1"II,u 01,,,..1'''''''11... .It h".hy
11\1,",d Ind ,hili tlt raid In I t'IIdtt.
I. Ih. '''"' ,,1'101'11111'1.1 ,h, r,n"'''I. 'h. r'""..," ""II h. 'rr'l,d I.lh. "00" """"I h)' "", !"u'''y
I..,,,,",,,,,, .h"h.. n, nOl'h.n d"., ",hi, .ny ...." p."t 'n nn"n"", I" "" m", nl. rull.1 "I'", nl ,h. 1"""'''1,
u"l", U.".... ..d I.rnd" .'1",.,,, '1'" i, 'Iilln" II" ""n, ''''''',1 hy 'hi, S"""'y In'It""..", "..II h, "d".", h,
'h, '.mlln! nl II.. r'''md, m'ihipll,d hy 'h. 10Ilu"I"1 1t",lnn' ('1 Ih, 'n',I.m""",,1 'h, '''0" "'u,," I""".di""y
"'10" ,I" 1.1101, dl,ld.d by (b) II" 1.1, mill" ",,,. ollh. P,nr"IY Imn.."i.ltly Iotlnlt 'h, 1.11",. ^ny ("I..". 'h,1I bt
r.id 10 OHlfoWt'fr.
11th. P'O""'y II .h.nol"n.d by n...".", n, iI, .n" nnliCf hy I 'nd" '" nn"n." ,1", 'h. ,o"d'",,,n, oil... 10
""..." ''''''dn..."". d.lm In,d.m'I". no"o." ,.iI"u ,,,,..,.,t'n I ,,,of,, .111"" In ,t'I' .n.. II" ,1",..h"""II,',,,
1""'.1.,"01," I, .",hu,lltd 'u....lle" .n,1 "rrly "" ruu''''...., u, "N'''''. d"""" ,...,,,..,,,,,, '" .q'"" """"1""1'''''' '"
." Ih~ lumlU'ru"ct by Ihl. !i((UllIy Inu"lInflll, WhrlllU Of IInllhrn till",
Un I... I..nd.. ..d nOlln",,, IIlh"",I.. '1".ln ","Inl. .ny 'rpll..lln. nl l"nctt,1I ,. rllnrlr'''h.III1.' "'..,d or
po1lrnne the dill ftlfe or Iht nlonlhl)' rl)'I"'nh "r""fillllll r.llnll,nr11t 111nd 1 or rli,nlt' l'lt Anlnllll' fir ~lll'h rll)'lIltlll'
In. 1I0""w" No. R"...'d, r"rb.."." ny h.d" Nn. . 11'.1,,,. F","""" ,'I II.. 'I.". I", r.')"",,, '"
modi",,,I,,. III IInnrll"llnn nl II.. "'01' '"''',,' hy 'hi. ~"'''''ly 111"""""'1'''''''1 hy /.,",1.. I" ""I' .",.,'''", I"
In'''", nl 1I""n.." .,,,11 "lor"". 'n ",.." 'h. h.h""y ul 'h, 011,1..1 "."0'." '" nn"". ct'.. '"'''''''''' I" I"",,,,.
L,,,"" .h.1I "0' hr "q"l"d 10 .omm."" ",....dlll" ."1,,, .ny """"nr In In""" or "1,,,, In "'.nd OJ,,,, I",
r.)'mclIl nrolllt,..luo IIIOtllr,.tI10IUI,1I111n nr'ht \UIM\ ((l:'lIr'lt hy ''''i, l!'i,('urhy In""IIl""1 hy IUUHl Of'll) dtlllilllll m~dt
by 'h, OI'lln.1 """n." or IInrrn..,', '''''''''nll I" in'",,,. ^"y In, "",,, "n" h, 1...01" in ..,,,1""1 '''I' ,I"" n' ""''''y
.....lIunl be I "'II"" orn, rtfrlUl1l' 111fe'trthff'lf"n, "&"1 f'l' "'"fdy,
II. Rllcc,,,ou Ind ....,.1,", hnund: Jnlnl 'nd ~u"ll r.rahlllll: en,".""" The CO"fnlnh Ind '1lUmtnu nr
'Ii" ~"'''''' In,.""".., "..II hind ond h...n, 'h. ''''''..n" ,"<I ,"il'" 01 I .n"" ."d On"..... '''''ltC''. 'h, r,n.;d..n.
n' p"'I"r" 17, n"".",,', '''"n",,, ',d ""."..",, .h.1I '" J"lnl "'''''' ,,,I, ^ny nnrr.." .hn '..'il" 'hi. ~"'''';'y
I...tru,,,,,,, hul ",,,, onl '''''''.Ih. Nol" (o);..n .I,,,'n,'hl. ltCu,i'y r."'''''",n' n"ly 'n mn,'.,." '''''' '"d """1
lhll n""".,,'. i"'''''lln ,h. r,nl''''y und" ,I.."",.. n' Ihl, ~"",,,y 1""'''00'''1; (hI" nn'"",..,,"y nhll,."" 'n r'y
th. 'um, "'''"d hy 'hi. S"",I,y In",,,.,,.,; 'nd (,) .,,,..,h., hod" .nd .IIY .,h" n""n." n"y .,,,.,,, "',nol,
1II",lIly, I",t.."., .ul. '''f """om..t,lIoIII .hh "",,1 ",'h, ."".. nl 'hi. ~'''''''y 1"",,11I"', ", 'h. Nu', .I'hou'
thai n"'h'V.C,'.t"O,,'rlll
n, 1.111" Oll"'H", !rlllt' IOJn "(lUld hy 1fd, ~I'CIHII1 111'11111111'111 "'lI~;"'llln. 1.,..\_ .hie'h .m.1I1ltlllltlln 'ntll1
."".,,. 'nol,I.., I", I. ",..lIy ''''ttr""d ." Ih.. iii, ,,,',,'" 'Of .11", In.,, ,hu,.. ,nll"',d '" '" ~. ,nll""d In
cnnnl"clioll "'1111 III, ICIIl ('\ntd rhe t'trmilltrt lilllln. Ih,," CA) An~ 'urh 10:\11 ,h",P ,h.,1I No rrducrd fly lhr IImnllnl
ntu"",y Itl ftdul'(, Iht' th.,se II) lhl! rr''',illl:d IiMlil; Ind ,to) II", 'II"" IIIff/Hiy (nll,Clel' rlllm nnUn\lrr whirl! ~'ct('dld
I'<'rmlllrlllluli" \"111 hr f,rUlldtd III IIn"n"", lend" III"" '-'Inr"f In In~kt Ih/, Hrtlll,l h 'fdudll' lllf l',Jllcir:l1 n"rd
Iin(f~r I"'t NOI(' or hy IIII1~illl A dlrtrl rO)'mflll II) IInrrn\lo,r Jr, rlrulld ,MUCf' rllntir:ll,lhe uduC'linll \L'i11 be !rulcd., I
rill III rrrrl)'nlC'tll whhnul.I1Y rrt'l'.ymrnl ch~r,(' undn Ihf N",..
I.J. 1,4',ldlltJnn Mrrrlln_ '.mdf", R'~hh, If ('"11('",'111 Of f..pil.rlnn f'lr Ill'rlleAMe Ill"" h,,, th, ,trret nr
r,nduin, Ih) "'0\01.;'-" Ilr lhr Nlllr f'll Ihi. Srl'urlly 1"'1111111("" uII,nrnrct;1t-1l' jh'C"'ctil1' 111 i" tflm" I ('ndu, AI iH f'lrlinn.
111;\)' 'l'lllli", illlllll'lhall' 11<1)'nll'llI ill rllll uf all 'lint' 't't I1rnl II)' 1111' ~'xlllily IIl'''III11rtlIIIllCllll;I,' i11\1.L,' ;111\ rt'lIluli"
",,,,,llIed by 1""1"1'1, I. "",.",1" ",."i.... '10;, "1,,,,,,,,1,,,,1,-, .t",1I Me 11"'''''r' 'p,.dli," I" Ihe ''''""II''''''~'''I,h "I
r:UlI,l\r" 17,
14, 1'1011.... ^.1 nnllrtln n"""w" r,n.I,I", r,,, I" ,hi. ~'tt"", ''''''",n,,,, .t,,11 h, ,i"n hi d.I""I"<<I",, hI'
m:tililll il II)' rilt' c1.1" IIIAllu"'n' :IrrlJluhl, I:u... 1,'qUln". lItf f'lr "11111 lit, IIltllulri TIIl'llIIlIlf dl;lll "c ,Ultt'h'd II' Iht'
r,n,.."y M,lI,,, ", o.y n,h.. .dd,,,. """".." ",',It",,,,, hy "",j,-. ,,, I....,,',., ^"I""'I,,. '..I ""I,., "",II hr. ,I"." hI'
fi"l dll~' ,":JII I.. I (,,,111"'\ !lIMI(''' 'I"'t'd h'rtill Mall) ,,11'cI ndl1n'" I (',,,,,, dttirll.'ln"v n"'in'!t'll"nm"" AlI)'lIl1li,'"
r,ovill,tJ ror in Ihj, Secu,lty Inlll\llll('nl ,hili ht Ii'l'flltrlln ":1\.. "fl'lI ~l\ rlllll 11'"11114 rr 'I' ll'ndr, '''''t'1I ChclI a, 1",1\ h',','
Inlt.l'r~Ill,,,,.h
HI, Glllt'r"'''II...; !tnI'Ublllly, Thh 5,turily In,I'II"..rI11 dull h(' It'I\otrnrd "y r('<1tl/\II"", .nl1lh\.IJ.... I,r lJi,
jurl'ftlellOllln ....,hirh Ihe I'(f'l(ltrl)' i, IncAltd. In Ih, ""fllllllu ."y rrnvhi,," or daut" flrlhi, Sltllllt)' 11l'IrUllltlllll' IJi,
Nolt' tnnnk" \\"IIIt "rrlk,hl, ,,,.... 'veh COnnkl .hall 11111 .lftcl olhu rrnvi,inll\ t'lf Ihl, S'ClI';')' ''''''''''''111 n, lilt NCllt
"hich Un hI riVfll ttTtCt wllhnllllhe (,Ollnlcll". f'IO~hinn To Ihi. cnlllhr rln"I,ln". (Ir Ihl, 5teullly III"'ulnl'lIl 'lId Ihe
NOle II' d,d.lt.lln N .f' ".hll'
1&, fJ.,ffO"tr'l Cop)'. O(1,'o.....t( ,h.11 h, li'fn (lllf co"rolmrd cn~)' or Ill, Nnlt Irlll flf Ihi, Stl'Ufil)' 111\lruIIlIIII.
17, 1'1I".'l'f nr I"f rrllp"l)' ftf' n,nt'nellllllt",,, I" hnrrtl.", Ir 111(1, .n1 p"11 nf the rrn(lt'II)' l"l' all,'
Itlltltll III ill, tnlrf"r ".n,rcrrff' (m Jr. bcl1,nd.l illltu'\1 in nnHo\\"1'I h tnltl f1r IIl\n,rl''',I1I"tJ nllrrn",,, i, 0(11.11.11111:11
I~r'o") ..i1hlllll 1.(,'llrlt,'\ 1'ltn, .... rillln COll'''I1I, I 'lId,r m..y. 1'1 in urll"", "f1l1irr IIIIIlIcdi.tlr r,ll) I\1rnl il\ rull fir ,III 'UIlIt
ttru'rd h) Ihi, Stcu,h)' l"thumCIII Ihme,.tr, lhl\ f'lr1it'lll '''Illlllnl ~(' ue,ci\rd b)' l,tl1dc:r Ir flerd,,:: I, ('l1f1h,hiled hy
rfdu.11lw a' fir Ih, d~lt' or Ihi, ~t('u,il'1I","nRltnl
lr Lflllltr c1ef('I't' Ihj, "1'lln/l, I.rnli" ,hlllllllfe Illlr,"" t, 1It'llier nr leedt'lalif'l1l Tilt IInli(t ,h"1I (It'" i,lt''' rc'rillCt
,,'nOlle" 11,:111 .1Olla" (,nnllhf'd~I' Ihr 1I0lirl' i'drlivtll'll nllll:lI",I......ilhi" .....hit h "f'l"II\l.t' nll"l t,.)' 1111 'unl\ 'tC'uttd"')'
Ihi, 5,tllfh,'ln,I,UI\1U11. Ir IInmlwrr rlll\ In (IllY Ih('\e '"m' r"'" 10 Ihl e.(lir.ll""urlhi\ r'f,iUII,ltlhJn nla) itUllke fill)'
'"...,dl" ""n,'''''' hy 'hi. !"",lIY 'n.It"m,n' .I'hnu, 'u"h.. null.. n, ",n""d "" II",,,,,,, .
JIll, """I)-t,'1 "'ltht In n,'n"AI,., rr nUIf1llltl'll1lt'fl' CUI.I" C'1'lIlJIII,'\n',III\HnwC'1 ,111\11 hll'.~'lhc 11,111111 "';I\r
,nrn'C"M1'''tllfllli, SetLlfll)' In'hllm'111 dj,tnnllnll,rt al Iny lilliI' flllM In lJiI' ..,Ii" or (.) ~ d.", fll' ,url1 11I11" ('<.IN",
arr1icaMI 1.11\' nuy '"rdry rnr "in''''lrnltnl) ..rr"", ,,&1, I.r lilt rln,,,,r.)' rlll~lIll1lln ."y rn\\C"f f'lr~lIlt t.lInl"illl'.1 ill 1"'.
:'irtlJrllllll\lrUllh'nl, or rh) rill'". or i'l JlldJll1l'1I1 rnrlltdnJ Ihi, S('l'lI!il)' III'!'Umelll. lhntC' wIIIJilj'lll' nrc Ihlll flt'Ir.,"t,;
CA) r;l)" I.Cllller nil \111\1\ Ilh'ch Ihrn \\I,"ltl he dill' IIl1fh', Ihh <<irt"lIril)' 'll'hunll'lll nlllt Ih,' .NIII, IllltJ Ih' :It't't",'r,IlIl'lI
()(('UHfd, (b) tU," In)' t1erlUllr fJ( Ally oth!'.:, en",nln!\ (II '.fCflll"III'; (c) r.).' 1111 ""I'l:'mc\I IlIlU"C'~ In tllrurdllllhl.
SlfUlil)' fn\Uumtnl, Il1durtilll, hUI nnllimlrtd 10, rrl\nn.hlr I"",nl'" r'n. and Cd) Illn 'uC'h ICIIOII.::I\ I.elltl" "&.::1)'
ru'('Onlhly "'I"i,. In l"Urt 111111 Ih, Ii,n fir Ihi, S'.rlll")' In\UlIrnwl, ",nrl,,', li,lil\ III Ih, I'flll'f't1y IlId IIn"n1lt'"
ohlll"'" 'n r'y 'h, "'n.. ",,,,,d hy 'hi. llt""'1 1""""""'1 .h.1t .n""":,, "".h"'.'~I, lI,..,n "hOl'.""!"" hy
nt)tln\l't(,lhl, SffU,il)' IlIt!runlcnl MI' Ihe n..IIAlllnn, t\"C'I".." hu,hy \11;,11 rrr"~11l 'ull)' dJrdl\t' n..rllll ntnlcfDhilll II.,d
l'\('cllu,d.lfIH\n",llli, ,i,hll('l r('i"Ualr ,h,,1I nnl arrl.' i.. IhtrAtt Ilr"'nk':Ilill" Ill""" r:II",nrh, I,' r', 17
P.II~' ';r:o 1.11[' r)r:
"r" '"
., ", I'"
NIlII UIHlIIIl.M Cn\'! tl"'I~I\ 1I,,'"l\\r'llIulll'lllh, lllllhtr lll\fll.lllI ,11111 ".1\\' oJ, 11111<1\\'
IV, Arnlnl'lflfll n,nudlu, "f1du ,hili II" nollu 10 flnH""''' rulll' III ,rnlt-"Iln" lollll.lnp. nIlHOuff"
b,nth ft' Jnr C'fltt"I,,1 '" _<<,n""nll" Ihl. ~ul"lIr 11I'llllmtnllhl11 n"I r,lnr Ill.terlr"II"n \I.ltl,., PI'IRfl1rhl I,' Inlt I'
unit" IpplluJ.lt I.. 'lfn,lrtn nlhu"lul. ',,,f1It,., .t.IIIIIIIII'1 nn,,""tr "', "non" nlhtr 1MI'M': llllhe IltlllUllllh) Ih,
.tllOll uqulrfd 10 CUff Ih, (1,'llIlIi lei "htn 'hI' "rl,"11 mu.1 b,. tI"tlti Ilnd'dllhl' f..IlIIl' 1" CU'I' Ihe dd,ull "Irrclllrlt
mlY ''',1111 In ltulrr.t1on nf Iht IV",' Itcurt" b)' IbI. Srrurll)' Inthum.nl, 'muh,"II' hy JllttlCII' pllltttllhllC IruJ ..It nf
Ih, I',op"')', l.tndtr .h.lI flltlh" Inlorm 1IIlI,o",r ..flht rl~hllll ,rln'"lt "flu flurlrnUlln ud Ihr ,111111 11.1 ""I'll In Ih,
'Mula.u't ptntudlnalh. Mn,..ltl'nU of. Ii.hult n. an)' nlhtr ll,ftn., n( IInnnllltr 10 Irc,lrulltln .n" (...lttln'Ilr"lf
lht' drfllllt I. nnl t'Utfd It tptdnl'l',I endu .1111 opll"n mlt r,""lrr InlrMdil\l. pl)n'rnll" (1I1111( 111 '11m, ,,,rllltd h)lhl.
~.curJIY In,lfunI,n, "l1hllul (u'lhu d,mlR" .nd nIl) forreln" Ihl\ ll'rr..,lI) I,nllumrnll,t J"flltlAI r'nertdl"I, hndt'r
.hlll be' tn!llled 10 rnUrtl.1t P1pr",ulnrurrtd In rUrlulnll tilt uml'dlr, r'ntldrd In Ihl. rnnll'"rh 11), Incllldlllr.. 11111 nlll
linlil.d In,IUtUn,),I"" and (oU, of 11I1t' "ldtnr. In Iht' ultnl prlmlllr" II) Ippllt'llhl, IAI',
In. I,fnlfu I" 1'lInrnll')n, t.If1nll In:rltlalllll1 u1tl1" 1'.II1,"'rh 1'';1 ('tI :'\".I"ltl)11I11('111 .,( till' ll'lIl','I1Y, ltlUltl 111I
J'f"~n.l1y Ill'nl ('If by jUlllri.ll1y "rrl'inll'd ,eeth,,) .hAII h~ ,nll,I,d In fnl.., ll('l'Il, IlIk, rll,\C"\\illn IIr ,1lI111l111"nllt' Ihe
II,f\rtu)' 'lid III t'nllrellhr ,.:nl\ of the rfnJ"cll)' IlldllrtinJ Ihn\t I'"'' rlllt ^ny 'tlll\ c('lhodtcl h) t tlldtt '" Ih. Ih.ti\'rt
dull bI.' 11'I,h,'d fi,,' In I",ymrol pI Ilh' lll'h I'll nUIIA.,ml'"l nl ,Iu. I'H'r,ll)' /1nll collrt 111111 l,I,.nh, 111111111111'. h\ll lIul
hnllwlln, rr.tiur', Irn, fllllnlunu nn I,cti\rl', IJtlnlh ..ml""lnlll1hlt Allnro')l' ftfl, ~Ild ,hrnIII Iht ,unl\ lr\'ulflll,v
,hi\ ~.....t'IIIY In\lfllllU'nl
II, Rrlu... UJ"Illl r,tynh:nlllr all 'UOI' "'t'llll'll h) Ihi, "'(IHily 1",trlUHI'IlI, trnllff \hllllllhduUlt Ihil SI'rulil)'
11l'lfllnl~'lll ""illulIll dUll'''' In nlllrtIW",' nn"Il~('f .11:,11 r,I't ,.ny u'ulhlilll"ll n"h
U, nfllnil.tem,nl "t,lnd. nm'I\'."rr'~ Ilfn' In 11'111'11111' r"1\hh.d III 1111Iap,llll,h IR ,h.11I t".I~l\d tll 1111'; tWill \111m In
Ihr 'lJl1ll1lwamwl fl(hitt.1ltl~ al:1 dv'tin'\ \:II, nl Nil" .alt rU"1l1\111 Inlhl\ ~C'\ ",ii)' Imll",".nl
1J, rurrhlu Mnnf')' Mnrl&ftltr,lr~llt (lrlh, II,hl ",ruml h)'lhi, ~tf'lllllV 11l'llumtnl" Itlll hllltl"CI\ljt:( InulII'lur
lllklUlhl'I'IUP'II)',lhl.. Sccll'il)'IIl.lIl1nH'nl \1111111-..: II rllldll.W InIllW) lll'\llr,'~l'
Jt IlIhll'\1 n,llt, Arlrr ,llldltml'nl, 1111111''''1 ;ll~h'n Ililllh~' l"tlll',II,lh 1',1\ ,1M.. allll ,IIIHI~'llh'IlII' l'lllnl'd I'll 111\:
Nllh'llf ill;1I1 ,l(llllllllfnuU1r;Jl" hITC\'I'I\llfl' \IHlII t... I Ill' 1.1". "ilt"hlo'I,t1ll1llllh' 'Illlm,'llllllrllh\' NIIII'
,~, Rid,,, In 'hi. Sumll)' Inlltlunt"I,11 011" nI mlll. flll,,'I ,IU'I'''''t'1I11'l1 h)' """11\\\" IIIl1I h'~IH..J.'..J h"l'lh", "ull
tIll. Stl>llIil) h""11l1ltnl, Ihl.' nl\tn~nl\ 1'111' u"un1'IIU ('( tllt'h lllth lilln \IIl11 hl'lIU'Urnfllh'd III II I Ill"] \hulIllllltluJ IInll
'Urr1rnll'nl Ihe: (I1\tlln111' UIIII J",ulllt1lh nf Ih.. I\t~'IlI11y 1"'trUlllrlll III' If 1111' Illkrl,1 "'fl' ,I I':HI ..Ilhi, S.:e:UUI)'
111,lllIn1,III (I:hr\'L ,IJ'rli('ahlth,'t,fl"ll
Lx! .'dIU\litblc RUle ltuJu
I I Oriu!lI,lh,.II''')''"l'lIl IUd.:.
rl Cr\mlnnllllium Hllltr
1.11'\;llllll"ll llull nl'~c'II\I'IlIl'1I1
11201 1'11I1111, Itukr
Mich',
U lllhtr"II'l",.,r,)
OV ~UJf'lINCJ IInll"', hrul(\\I,U lUTtrh Ilurt """ In Ill. Ir,nn .11I1 ,'OHlllln" [lIllhl"~ll III Ihh S\'\'u,ily
'n~lruml!nlIU\llln Iny ,itlrrh)ut(lIh'IJ ~y nOlln""" Iwl Il't'nldtd _ilh II.
Wlltlt"n~
)"
/ I C\/
t> {<',.
U,....
ii/
/ . J .
. 0;(t'J/,/.-.16a<,,- .
IHrhllltd S. bit
~ /2MA!;J. ~:~,i:'U
tl~ty r..#"ir
..(Sui)
-.''''.."
I,
IS"II
_!',IIC""
_ l"'u 1,1,. tllo. l"" ". .,."...,,,.,,,,..11 -..----.--..-
COInIONIlF.M.lll Of tF.NIl5YI.VAIlI^, _tLlJD}xd'Jl\'~ _ County AA:
On thl., the ....1~__ dAY 01 \L)v)t1.,1JJolu(~L, 19J1L._' h.lnro .',
. " . rIll In ,,'li11,r IlIp ",hnvl' CI'II11ry nnd Cnlllmnn,-,ullh. th,
_..IlnJ.:ary_ II I r., I
unthrftl&nf'd nfflcu I rrrrrnnl'll Jy _rrurPl1 _Rlr.hard.S.. Bait. ftnI1J1ar~4.r.._,aa1.r,jIJ....-
knn'-'n to ~c (or onlln'ftctnrtty ~rov~n) t~ he rh~
nA"lOa lire f1uh!llrrlhrll IC' thft lIfrhln In!lIt"lm~.llt find aC1l.n(l"Jr.dRf'd
eucuted the f1l1mro: hI[ th" rurrMU ht'tt'ln cnnt"i _11. "
"r'--
IN III1IIESS IIIIF.RF.Or, I h...nntn ..t mY,h.n,1 nnd o~1 AI~[.fl~....'f) I I. "j"
lIy Co"".loolon F.Arh... "" ~"M '~ml\ .- ,*,4 <" (l G^-
'-.. )' v_Illk"'''~; dr. 1l.1~8S
/ 'Hnlll~luIO. " \,"'" Vi, rll,
, , ' ' .
TITle of Of (leer'
~i" whnu
th.t tii'L.__
..'
t urt1fy thAt t119 Rddreu or thl!
Horts""",., .hQVI-nflmfld 18
214 ).It1rth SIIt"ond !;tr,pt
lIurtlllbllrg. httnllllylvAnl"
';1;11 1.\'.' I.'),'
1;'"" 01 rAn",vh'1I011 1 58
r.oun'.,. of C:u",,,,,,lllnd MdI
~fI("..,uhtf1In th. O"IC. lor the rlC'Qf"d\nQ ., P ,
eto.,\n,IFd Inr C~hllllnd Con"IY, P'. '13-1
In dzs "ook .L.!i~vol - PI9~-
j,;".~. ,ny hind Ind ...1 o~~' f{'/
C..II".. r.";-"~~~N'ql ..:-,g..,..
\.-.d..,."J -\\. ~.._/
--_._---~
- nAcordlH
l.u,.....Jj~dl-Y.~ "_
louie J. Adhr, Attnh.y (t1r UorfR"tf,'f11
AIl,IlJSTAULE HATE HIllEH
11llS A(}JUS rAHIp. M"I e IUO':R II IIllllc 11111 ,,1l1i .,. Ihy ur .,,~!:J1J ItRl\!l( L,..................., 19.~t".
Ind It InrofJ'OlIlcd inln and ,1..11 t..e dUfntd 10 1I11ltllt.l IlId IUI'.,lclI\cnllhc MoJlCllC, Dud ur TIUII. Of nud III
Secure Oebt (lhe "SC{Uflly 11\&lIUIII(1I1"/ ur Ihe lame ..hit II\ltl\ by 1I~ Ulldrltl~"(d (Ihe "8011(1"'("') 10 _(CUfe
Botruwu'. Adjuslable Mile NOle 10 .. r..,~.~.tJ'~.~"!.~.~L.~~~~.~.~~8.~...~.'.1.. "I:.~~!~.. ~.~.~~~J~.~.~.~J1" ~L....."...."."..,...
IIAnlobur' . curp'outlo" (I "I ., ") r I ., (h "N ")' I h
""....... ...........101.1....",......., ......., ......".......,............... tie .(nwc, 0 llc lame utlc I C ule Inu rover", t e
plopcny dCkribed in Ihe Sr,urny IlllllullIelll InfoJ locJled n
""........"... ...""",,..........".u..J.~11H...~~~!,W~, ,1~~~YI\., r~......U9~,~ ............................,..,..,.................................
Irloptll,AIkI'..)
lh, Nol. .onllln, ",..I.lon, .1I..ln~ 'ot ch.ng" In 'hllnl..", ,.1., " 'h. Inl..". III.
In.'...... Ih. 1Iot,..,,', monlhl, ""m.n'. .111 bt hillh... If 'h. Inl..". ,."
lIMit".., lh. 10"...,', m.nlhl, ""m,nl..1II bt 10..',
^PUUlONAl COVltolA,HII In .ddilllln to lhe CQVtlllnl,nd "fccment. made In .he SfCUrity Inmultlenl, Boflower
Ind I.tndCl fUn/Ill cuvtnlnllnd lirll II (6I1nWI!
A. INTlRUT RAn; AND MONlIIl.V PA\'MENI l'lIANGI.S
,.he NOlc provide. fur In initial inlUclllllC M ....",1.1\. . % SCCllOII" or the Nole provide. (or thUlu In lhe
lnlcrcll file Ind Ihe ft10nlhly pa)lmcnll. I' rOllll~"
4, INTERUr IIATE AND MONIIII.r r.O'MENT ClI.fNaE,\'
(A) o..na. n"n
The Intelcu rale I \trill pI)' nl'Y thance on l'll~ ..,,,,,J.H... .... dlY or.. ...."",Qr.,cober..".........",... 196.5,...., 'l1d
on thl' day orlhc mOnlh ncry ......12, ....... mnlllhllhtluhcl Euh Jilt an which my Inlch'u 'lie (l,)ulJ chlnee
h colI,d . "ChIna' D...,"
(BI n..llldu
Be,lnnlol ",ilh the Ihll Chan't Ihle, my InltlUI IIle ..,II be baud on In "'"du."lhe InJu i, lhc wffkly
nelllc )'ltlJ 011 United Slilfl Trulu,)' tfcurilln IdJu'UtIIO I ronUanlllllluril)' or .."...~~!.............. )'UII, " mId,
Ivailable b)' Ihe Fedelll Ruervt: Boud. 'rhe lI\ull "ctnl InJu ft,ure IVlil,ble "of 4S diy' bc(olC nrh Chin.e
DIle it Clllfd Ihe "Cultcnllndu."
Ir Ihe ludu II no lunlcr av.i1.ble, lhe Note lIo"Ju will chOl.lIc I new intlu which I, blud upc>n comparlbl,
Inrorm.lion. The Nule "older will .Iy, me nelke or in choice.
((I C.lcul.lIon or (h,nau
Btrorc each Chanle Dale, the NOle IIllMer will t.llculale III)' new illlerell IIlf by I"dine ..... ""......."..".".....
."......tb.r.~!e:"...""............... percenl"e rainl' (...."..3............%) 10 Ihe CUlfenl Indu. It (8.. be 1011)
The: NOI.llolder Will then dfle"nlne IIl.amounl oflh<< momhl)' pa)Rlellllhll wuuld be luRldenl10 up'!)' In r\lll
Ihe: rl1nclpJl1 1m uptctcd to owe 0" Il1e Chinle nfl' in ,ublllnllllly equII pl)'menls by Ihe mllurily dlle 11 In)'
new inler,.. ute. lhe relull of Ihis Cllculllion _ill be Ihe neW' Imounl of my IIllJnlhly plYnlell1
(D) [Weclh. O.t. 01 Cluna"
My new Inleftll rale will become etrecllvC' On neh Chulr nllr. (will fI'Ylhe Imounl or m)' new monlhly
p.)'mcnl bellnnlnl on .he lhu monthl)' (l'Ylnenl dlle Irltl lilt Chinle n'IC unlil Ihe Imounl or Pl)' mOnlhly
plymenl ch.ftlu 1.lln.
(E) NOli.. .,n.na"
lhe: NOle Boldtr will mill 01 deliver 10 me a nolice: btrore uch Ch.nle Dale, the notice _ill Idvilt me (\(;
(I) Ihe new inrtlCII rale on Ill)' lOin II II' Ihe Ch.n,e Olle;
(ii) Ihe Imounl or Ill)' mOnlhly p'Ylllelll fullo'AinClhe Chanle Olle;
(iii) In)' addilion.1 mllleu which lhe NOIe lIoMCI it ,equired 10 dhclole; and
(iv) lhe Iii Ie Ind Ielephonf numbet or I renon who...1II Inswer .n)' quelllon I ml)' have ",I,Jin, Ihe
nollce.
B. CIIARGES; '.IENS
UnIrorm Coven.nl 4 of the Securit)' Inllrumentl. ImendeJ 10 ,ud u (allow.:
... Chl,.u; l.Ie",. BtlHOwer Ihlll PlY III tlltl. InUlmtnt.. Ind olliff charau, tinct .nd Im(lcnilionl IUtlbulIble 10
Ihe Propen)' ""hlch III')' 111111" I pliorilY ovr, Ihl. SCtulily Imllumenl, .nd IUlfhold paymfnlt or Ih1U1ld Ulllt, if
.nv, In the manner p,o\'lded undu (llflIUJ'lh 2 helfUr o".funlll.1ld In lueh mlnnt', h)' Borro...cr MI.kinlllly,"enl,
when due, direcII)' 10 the JlI)tc Ihurof. Borrtlwcr sh.1I ploml)ll)' rumlsh 10 under all nOlice. oramounu due undcr
Ihls (lI'IInph, Ind 11\ Ihe e\ltnl Bdfro'Act .hlllll1J~t pl)'menl dhfClly. HOllower .h.1I prornpll)' (ufnhh to Lender
t ,e(tip" l'videnclnl such p.ymenll borro..er shill IlIOMl('llly diJChll,e Iny lifn which 1111 priorilY O\'ft Ihis SecurilY
(nmument: howev('" no"owCl sllll1 nOI be re{luhfd 10 dischule In)' such lien 10 lunlll bOllower: (a) Sh.nlllee In
w,itinl 10 Ihe {l.ymfnl or rhe obli'lililJn .((uredlJ)' .ueh lifn in I nllnner I"ffllable to under. (bl shill In ,ood
GENERAL fORM-FlIlMC UNifORM ADJUSTABLE RAlE lOAN-llRlJ.llJt' """I-Jill
tII 111. note lIoldu' \1111 lhen IOutHt th. I.tlult. of lhl. .ddhion t.o the nauest oll..IlIJBhLh
of olle pucent.ge p.,lnl (O.ll~X). This rounded am')llnt "'11.1 b. lilY ney Inlel"cnt ute until
thl! lIoxt Ch,ljnge DAte, In n') evetll. 1;"1'11 my lIl'U illt~re8t fate r~pl'esellt l'n lucre..e ur
der.nu8 of Inorc th.n tvo-.(2 ) rercQuto80 point. ahove or beloy my curr.nl Inhrut
."te In any one.Y.3r And 11111 contain 0 'ly~..( ~) ptrc:entfll'_ rotnt 11.lIlt on tho 1Ih10Une
of In('l',4,. etr deeleoll!"! OV~1 the IH.. l,f Ihl! loan,
....,
,.lIh mnlnt luch IIrn hy, nr d,r,nd ...inll tnrorU","'1 ~r luch IItn In. It,.1 r'6C'f,dl..,. _hlth I.. the CJrtnlol\ or
l.fndtl ~rt"lIe In rltvtnllht rnrn,ctmrnl or Iht IIn or rorrrhu,e nr Iht rrnrtny 0' .ny rln th"ton 0' (e) Ihlll
Itctlrt from lhe hnldt' or IUch U,n In ','um,nl In . rnrm Ulllr.rhny In I end" .\lbOldin.1inl Iller, lien la Ihll
Seellril1 'n'lrumenl.
Ir und" dClrrmlnu th.t .11 nr .ny V'" or Ihe Vrnreny '"uh)", 10 I II.. ..hl,h m.y 1'lIln , v,lorllY 0'" .hI,
Seemily Inllrvmenl, l.tndtr .hlll ,I.... (\o"owe, . nOlie, IdtnlllYlna luch Iitn. Ilorhl..." shill "llsry luch lien 0'"''
011' a, mote o( Ihl utlonl III ronh .ho...e within Itn dl)'t or lht Ilvi". nr Ih, nolln'.
C. NOTICF.
Uniform Covrn.nl I" of Ihe Stcurit)' 1",lrumrnl II .mtnded 10 rud II rnlln.....:
It No"". P.....pt ror .ny no,i.. Itqulrrd und" .rrIlClhlel....o h, ,Iv,n 'n 'M,h" m.no". (I) Iny noli.. 10
Ilorro.." prnvld,d 'or In Ihl, S.curily In"..m.nllh.1I b, ,Iven by d,lI..rln, II or by m.l1in,1I by ft," dill mill 10
no"n"e, Illhe rrnrtn)' Addren or Illuch nlher .ddr!.1 II Rorrn"'tr ml1 d,li.n.lt hy nOllee Illlfndtr.a rrovldtd
hrrtln, ..d (b) "y nn,i.. 'n "end" ,h. II h, ,I... hy ftn. "lit m,lIln bnd,,', .ddrr" 'lIltd hmln or '0 lurh
olhtr Iddl't" It tud" mlY dtlllnllt: hy I\nllct In Rotrn..." II rtovidtd hrrrln. Any nn.ict: rmvlfftd tor ,., Ihlt
Stt\lfh)' IntU""',rU ,hill bl dumed 10 hut bun Ilvt" In 8nnow!, (lr 1 rndrr ..hr" ,Iv," 11\ the "'Inner dtlilnlltd
ht,rln.
n, UNIfORM Sr.CUAnV INS1RUMr.NT; covnNINC !.AW, SF.VPRARII.lTV
Unlfotm Covenlnt I ~ of the Stt'llrfly '""romt,,t I' amendtd In ('tad I' (ollow.~
15. U.lf"rm Sftufll, r.,'ru...rnl: (;0",,,1"11""1 S"I,.hllll,. This rnrm nfStrulity rnllrumrnt ('(\mhlnel uniform
tt)Vtnlnll (or nlllnnal tilt and "o".uniform ('(lvulnll ..ilh IImiltd vlthlln". ~Y jurilditllon 10 conultute I uniform
'fcurhy Inmument covrrln. rul rtClJ'lfrty. lhll ~ttU,ily fntlNmtn! shill ht .ovcrnrtl hy Ft:d'ruIIAw and Ihe Ilw of
.he Jutisdiclk.n In ...hleh Ihe r(Of\frty II Jocllrd. In lhr fVrnt th,lany rrnyi.ion or rltu\t nt Ihll Stturhylnllrumenl
or Ihr Nnlt conftlelt ..lth IprliClblt I...... .ueh ('fInnlel.h.1I nnll"',el nlhu rrovhlonl ot Ihlt Sccu,f1y Inlhumenl or
thr NOle which rift bt .Ivtn elrccl whhoullhe rnnnitllnr rrovhlnn, Ind In Ihll tnd lht rrcwhlonl Dr Ihll SMI,hy
Inlll\lmtnl .nd Ih, !'Int< lit d,dmd ,. be "vtrAM,.
F.. TRANsru or Till': rRorrRTV OR A RrNHIClAI.INHRP.ST IN RORROWF.R
U"I(orm COY'"lnI11 of Ihe ~tcurilY IntlrulJ1t'nl it .mtndrd 10 Iud .. r('lllo.-,:
11. Trult.r IIf Iht r'l'I,.rrl, "r I ","tReI.lllllffnl In I'ono.", 1f.1I n, Iny rift nt Ihl! Prnl'f'r1y or an 1r\lrrrll
Ihr,cln II lold or ltln,t,rrtd (or ir. brnrftcilllnl'ffU in RnrrowC'f lllnld or trl,,,furtd Ind tktno...rr Is nol I n'lurll
J'fnon) .llhoulhndr"1 JlIlnr wrilltn tonuonl,l.udcr m.y, 1'1 tndu'l rrJllinn. dtcl.re III Iht Ium, 'ttured hy Ihll
Srrurily (nmUmtnll" ~ lmmtdilltl)' dUI! Ind rly.hlt. lIo..,vu. IhI. O('ll~n Ihln nol be turdit'd by under if
elrrrhe it nol IUlhoriud hy Fedtulla.....
If f.rncfer uertitrlllu:h rr('lllnn 10 Irttltfllt, I.tndrr Ihll1 mill Rnrm..." nnll~ nt .tttl,tlllC'n In lecordlnee ",hh
lwI,flPh If hereof. ,~uch noilce Ihall proYlde a Nriod 01 nnt 1m Ihln 10 dlYl from the dllt Iht I\Olkt II milled
,'lrMA wMe}. ftrrrrl1".tr m.y I'lIY IIle '11I"1 drcltrtd dut. If Rorrnwtr r.lh In ('I~y IlIch ,uml r,ior 10 Ihe tlpitlllon Dr
luch rt".ind, ltn,ltt m.y, ..,ilhoUI (lJrthrr "olitf" "r dtmlnd nn hnrrollll'r. I"vn~e Iny rentrdl" rermlrlrd hy
rlnrtlrh U hu,or.
NOIWilll'l.nt.llnl; I ..Ie or I"ntrl'r. nnHn." -III rontlnl1t III be ohlir"led undtr Ihl! NOll' and Ihl1 Stturily
11111f\Jrt1t'nl unl,.. lendrr hu .tlusrd 80HOW" in writlnr.
F. I.OAN CIIARCF.S
WITI/F.SS:
I' lh In.n Iteurtd hy .he ~teurhy InlllUmtn, It l1JhJtt'lln I I... IIhlrh 1'" muln'fum JOin ch"'tI. .nd Ih" Ilw II
ftnally inr'rrrrtlrd 10 Ihu Ihr Inltrtll or olhn lOin chari" mllttlt.1 nr In t.e cnlltclrd 'n ronnl'ttlon wlrh Ihe loin
Ucttd t'trmhltd Iimlu, Iktn: (I) Iny 11Ith lo.n chu" .h.1I ~ rrdund hy tht .mnunl nttJt'"ry 10 rtduct the
ehllet 10 Ihe JW'rmhld IImll; 11'Id (1) In)' turn. .hudy ('('lllt'eltd from Rnrm..." ...hlth tlCtrdrd rr,milltd lImlu wnI
be 'tfllndtd 10 ~f1nwer. l.rndtr m.y ehoost ro mike Ihit rrfund by rtducln'lhe rrincirat n....fd undt' Ihl Nole or
hy m..ln. I dlrrrl rayme", In harrower. It. rr(und rrdu~a ('Irindrll, Ihe rrducllon will be HUled .. . pln,.1
Vl'~'ym'nl undrr Ih. NOIe.
IN Wn""", Wuuror. 80n""" h.. ...rut.d ~~~t AdJulfI't. Alf, Rldrr,
.:.., I '/1
. ,
.. J ~.. .~. .I ..,:...(., ,.
K...."..L......1':...:"...,;.....".......;...".........,.....,~.........,.............................(5cll)
Richard s. ~~r .hTo.w
'z2'(tA..~.;~..~.i.cf ..J.... ........................................(S..I)
tin)' P..~"lr .8otr....,
'.... ,.................................................................................,.,(~..I)
.Rnn~
,'lpfln"'o,,,,'o.."J
(~ kPYY-
, 1.1"
L
bllr,~
;(;11 rILl
1;,:J
,
'-.
ADJUSTABLE RATE NOTE
TillS NOTE CONTAINS A PROVISION AJ.J.OWING FOR CIIANGF.S
IN MY INTEREST RATE. IF MY INTEREST RATE INCRUSF.5, MY
MONTIII.Y PA YMENTS WIJ.1. B.: IIUan:R. IF MY INTEUST RAn:
m:CREASF~". MY MONTIlI.Y PAYM.:NTS WIJ.1. BE !.OWER.
....................,.......5~~t~m\1~r...Z,.....,..... 19.8.4....
......, Un .r:.r.i. fi b.u.r: r...............,........., .... .1.'.~nn.G.y.ly.l\ni.l\........
Ciry Slall
......... ........... ........ ....... .......6AZ...11 0 n1 ~ ,1,'...(\ l/.~.ml.~.. ..l.~IlIQ'y' n.~.. ..1'1.1....1 ZD/,).......... .............. ...... ............... ..... ................
rrOptrry A ddrt,1S
I. BORROWER'S PROMISE TO PAY
In re!Urn for a loan Ihat I have rccdvcd, I promise 10 pay U,S. S,31.,.QOD.,.OO..,.,~"..,..""..,.,,,,,..,... (Ihis amounl is
II d" . . I") I 1'1 I I h d fll' - d Th I d . Fln;1 Fe,krnl S.1Vingfi nnd
ca e Imnclpa ,p us n ercs, 0 t e or cr 0 Ie u;n cr. e.en cr IS ................................................................
...Irl\1n.t.\. .fI.r;.~.\1"J n.t 1, 11 !1...\1I...I.! n x. r..\ .'!.I.~!!.~ r.,.. ..'.'... '~".'!: I~.'.'. r. :~.I.!. !~Il................................................... .......... ........ ........ ..........
I undersland Ihat Ihe lender may Iransfcr Ihis Note. The l.ender or anyone who lakes Ihis Note by Iransfer and who
is enlillcd to receive payment.< under Ihis Note is called Ihe "Note 1I0lder,"
2. INTERF.sT
InlereSl will be charged on Ihal pan of principal which has nol been paid beginniog on Ihe dale I receive
principal aod continuing IIntil Ibc full amounl of principal h.. been paid.
Beginning on Ihe dale I receive principal, I will pay inlcrc,11 al a yearly rale or ...........uL........%. The inlerest
rale Ihal I will pay will change in accordance with Section 4 of this Nolc. The inlcrc.1 rale required by this Section
and Section 4 of this Note is Ihe ralc I will pay both before and aner any dcfaull described in Section 7(B) ofthi.
Note.
3. PAYMENTS
(A) Time and Place of Paymenls
I will pay principal and interesl by making paymcnlS eycry {I1onlh.
I '11 k hi I fir fi 1 (I -;I ) d h h b . .
WI ma e my monl y paymenls on I Ie .............:...........:........................ ay of eac mom eglnnlng on
..............No.v.erob.er...l.................., 19.84..... I will make Ihcse payment. every monlh unlill have paid all of Ihe
principal and inlerest and any other charges described below that I may owe under this Nole. My monlhly payment.<
will be applied 10 inleresl he fore principal. If on .....Oc.tob,er...L............................., .2014......., I still owe amounts
under this NOle, I will pay Ihose amounls in full on Ihal dalel which is callcd Ihe "malUrity date."
I '11 k hi 7.")/. Norl. I S['c'olld Sl 1"1'('1, ll;lfrlshtlrg,
WI ma e m, monl y paymcnls al .................................................................................................................,
....\:~m!,~y..!.y.n!!J.n.....!.....!.Q.L.......... .......................................... or al a diffcrcnl place if required by Ihe NOle 1I0lder,
(B) Amounl of My Inlllal Montbly P.ymcnl.
My initial monlhly paymenlS will be in Ihc amounl of U.S.S...J66.(,2"".T"",,,.,,,,,,.,,,,,,::-:-This amounl may
change 10 reneCI changes in Ihe inleresl ralc Ihall muSl pay. The NOlc Iloldcr will determine my monthly payment in
accordance wilh Section 4 of Ihis Nole.
4. INTEREST RATE AND MONTIII.Y PAYMENT CIIANGES
(A) Change Oar..
The inlerest ralc I will pay may change on Ihe ..........!,::.~........... day of .........O.c.tob.e.r:...............................,
19,..~~.., and on Ihal day of the month every .....J.?................ monlhs Ihcrcancr. Each date on which my inleresl rale
could change is called a "Change Dale."
(B) The Index
Oeginning wilh Ihe firsl Change Date, my inlercsl ralc will be based IIn an "Index." The Index is the weekly
average yi~ld on Unilcd Stales Treasury securilic. adjullcd to a conllanl malUrily of .........o.(\~........... years, as made
,v.il,bl. hy Ih. Fcd.r.1 Rcaervc Roard. The moll r.ceol Ind.. fia"'. .vail.hle u or 4S d.y. bcfor. each Change
Dale i. called Ihe "Currcnl Index."
If Ihe Indc. il no longer av.ilablc. Ihc NOle Iloldcr will ch'M"e a new index which is based upon
comparahlc informalion. The NOlO 1I0lder will give me notice of its choice.
PENNSYLVANIA-FHlMC UNIFORM ADJUSTABLE RATE lOAN-(IRIA.\URY 1N001)-Ji!J
F.XI\IRIT R
:
(C) Cllcullllon or Chlnaes
Berore nch Chanae Date, Ihe Note Holder will calculate my new inlcresl ralc by addina ..........................,
..thtc.e.............. percenlaae poinlS ( ..........3...............%) to the Currenl Indcl. ' ("I''' hI' low)
The Note Holder will then delermine Ihe amount of the monthly paymelll thai would be sufficient to repay
in fulllhe principal I am expected to owe on the Chanae Dale in suhstanlially equal paymenlS hy the maturily date al
my new interesl rale. The resull of this calculation will be Ihe new amollnl of my monlhly paymcnl.
(D) EII'.ctlve Dal. or Chlnau
My new int.r,sl rale will btcome elTective on .ach Change Dale. I will pay Ihe amounl of my new monthly
payment bteinnine on the firsl monthly payment dale aOer Ihe Change Date until the amounl of my monlhly
plymenl chances leain.
(E) Nolle. or China'"
The Note Holder will mail or deliver to me a nOlier btfore each Chance Dale. The nOlice will advise me of;
(i) the new inl<resl rale on my loan as of Ihe Chance Dale;
(ii) the amounl of my monthly paymenl followine the Change Dale;
(iii) any additional maners which Ihe NOle Holder is required 10 disc/me; and
(iv) the tille Ind I<lephone numbtr of a person who will aoswer any queSlion I may have reeardine Ihe
notice,
~ BORROWER'S RIG liT TO PREPAY
I bave Ihe riehllo make paymenlS of principal at any lime herore they are due. ^ paymenl or principal only is
known... a "prepaymenl." When I make a prepayment, I willl.cll Ihe Nolc Holder in wriling Ihal I am doing so.
I may make a full prepaymenl or a panial prepaymenl wilhoul paying aoy penally. The Note Holder will use all
of my prepaymentJ to reduce the amount of principal thai I owe under Ihis NOlc. Ir I make a panial prepayment,
Ihere will bt no delays in Ihe due dlles of my monthly paymcnlS unless Ihe Note Holder .erccs in writine to Iho..
delaYI. My Plrtial preplymenl will reduer Ihe amouol or my monlhly paymenls after Ihc firsl Change Dale follow:ng
my panial prepaymenl. However, any reduclion due 10 my parlial prepayment may be olTsel by an inlercst rale
increase.
6. LOAN CIIARGES
If a Ilw which Ipplies 10 Ihis loan and which sel5 maximum loan charge< is filially inlerpreled so thatlhe interest
or other loan eharees colleeled or 10 bt collected in conncclion wilh Ihis loan exceed Ihe permitted limits, then: (i) any
luch loan charee shall be reduced by Ihe amounl necessary 10 reduce the charge 10 Ihe permincd Iimil; and (ii) any
luml alreldy colleeled from me which exercded permined limits will be refunded to me. The NOle Holder may
choose 10 make Ihis refund by reducing the principal I owe under Ihis Note or by makine a direcI paymenl to me. If a
refund reduces principal, Ihe reduelion will be Ireated as a panill prepaymenl.
7. BORROWER'S FAILURE TO PAY AS REQUIRW
(A) LaIc OIara. for Overdue Plymenls
If Ihe Note Holder has nol rcceivcd Ihc full amounl of any of my monlhly paymcnl5 by Ihe end of
................!.(!....... calendar days aOer Ihc dale it is due, I will pay a lale charge 10 Ihc Note Holder, The amount of the
charee will bt ........?.................% of my overdue paymenl of principal and inlcresl. I will pay Ihis lale charee
promptly bUI only once on any lale paymenl.
(B) Ddaull
Ir I do not pay the full amounl of each monlhly paymenl on the dale il is due, I will be in deraull,
(C) Notlc. or DerlUlI
If I 1m in deraull, Ihe Note Holder may ..nd me a wrinen nolice Iclling me that if I do nol pay Ihe overdue
amount by a cenain dal< the NOle Holder may require me 10 pay immedialcly lhe full amounl or principal which has
Dot buD paid and all the intercsI thaI I owe on thaI amounl. That dale musl be at least JO days aOcr Ihe dale on
which Ihe nOlice is mailed or delivered 10 me,
(D) No Wllver by NOle Holder
Even if, al a lime when I am in defaull, the Note Holder docs not require me to pay immedialely in full as
dcscribtd lbove, Ihe Note Holder will still have Ihe riehl to do so if I am in defaull al a laler lime,
(E) PaymeDI or Nole Holdu'l Cosla Ind Eapt..."
Ir Ihe NOle Holder has required me 10 pay immedialely in full as described above, Ihe Note Holder will
hive Ihe rielll 10 be paid back by me for all ilS reasonable coslS and expenses 10 tho cXlcnl not prohibiled by
applicable Ilw. Those cxpcrues may include, ror example, reasonable anomcys' fees,
'The Note 1I0lder wIll thell roull,1 th" "",,"1t of thlfi nelllllloll to the neore"t olle-plnhth
of one percentoge poillt (0,1257.). Thl" rOlllld"e1 nmolllll will he my new Inter""t rote
lIntil the next Chnllgc Dntc. In 110 evpllt, fihnll my Ill''' Illterc"t rnte repre"cnt nn
ineren"e or d"eren"e of more thnll two---(2 ) pcreclltng" poInt" nhovc 0,. hc1nw my
ellncnt intc,.c"t rnte in nllY one ycnr nnd will rontnln n fivc--( 5 ) pcrecntngc point
limit on the amount of :lnc- "r.c or der:r~"!J(! over the 1 f rc or I.IIC' 10"11.
IDHARRIS'"
D S^VIN(;S BANK
l:l~l ~(lllh ~(,fOlld ~l/('{'l
po. 1\", I ill
11.1lri!;hlllJ!. 1'('llllc;~I\;1I1i" 1 iIW..1711
ilin:lli..lllll
September 10, 1996
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Richard S. Bair
842 Bosler Avenue
Lemoyne, PA 17043
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we, us, or ours) on your
property located at 842 Bosler Avenue, Lcmoyne, PA 17043 IS IN SERIOUS DEFAULT
because you have not made payments of $373,62 for the months of July, August, and
September, 1996. Lale charges (and other charges) have also accmed to Ihis date in the amount
of $29.38. The total amount now required 10 cure this default, or in other words, get caught up
in your payments, as of the dale of this leller is $1,150.24.
You may cure this default wilhin THIRTY (30) DA YS of the date of this leller, by paying
10 us the above amount of $1,150,24 plus any additional monlhly payments and late charges
which may fall due during this period. Such payment must be made either in CASH,
CASHIER'S CHECK, CERTIFIED CHECK OR MONEY ORDER, and made at any of our
offices.
If you do not cure the default wilhin THIRTY (30) DA YS, we intend to exercise our
right to accelerate Ihe mortgage paymenls. This means that whatever is owing on the original
amount borrowed will be considered due immediately and you may lose the chance to payoff
the original mortgage in monthly installments. If full payment of the amount of default is not
made wilhin THIRTY (30) DA YS, we also intend 10 inslruct our allomeys to start a lawsuit to
foreclose your mortgaged properly. If the mortgage is foreclosed, your mortgage property will
be sold by the sheriff to payoff the mortgage debt. If we refer your case to our allomeys, but
you cure the default before they begin legal proceedings against you, you will still have to pay
the reasonable allomey's even if they are over $50,00. Any allorneys fees will be added 10
wha\cver you owe us, which may also include our reasonable costs. If you cure the default
within the THIRTY (30) DAY period, YOII will not be required to pay allomeys fees.
EX",n!T r.
We may also sue )'ou pu.wnolly for Ihe ullpoid principal balallce alld all athrr JIll/IS due
under Ihe mortgage.
/f)'ou hOl'e not currd the (Irfaultwilhil/lhe lhirty day paiod O1ulforeclo,wre procerdil/gs
hOl'e brgun, )'011 .fIilI hal'e Ihe righllo cure Ihe drfaull and prrl'rlll Ihr sale at any time up to
olle hour before the sha!f/'s foreclosure ,fOlr, You ma)' do JO b)' po)'ing Ihe 10101 amoulII of Ihe
unpaid monthly pa)'ments pllLf on)' latr or OIha cllOrlirs Ihrll due, as Ihe rrosollable allornrY',f
fees alld COSIS cOllllrcled wilh Ihr forrclomrr ,wlr (and f'rtfonll allY OIhrr requiremrtlls ullder
Ihr mortgage). II is rSlimatrd Ihal Ihe rarlirsl dOlr Ihat ,wch a shrriJ.rs .wle could be hrld
would be approximately March 5, 1997. A 1I00icr oflhe date oflhr sheriJ.rs salr will be unt
10 you before the sale. Of couru, the omo/ltllllrrded 10 cure Ihe drfaullwill increasr the 10l/ger
you wait, You lIIay find out at any (illle exactly what (he required paYlllelllwill be by calling us
allhe followil/g /lumber: 232-6660rxl. 292 or 1-800-554-4572 rXI. 292. 771is pll)'mrlllmusl
be in CASH, CASlI/ER'S ClIECK, CERTIFIED CHECK OR MONEY ORDER and made pa)'able
to lIS allhe address slaled abol'r.
You should realize thaI a sheriJ.rs sale will end )'our ownership oflhe mortgogrd property
and )'our righllo remain in it. I/)'ou cotllillltr 10 Iil'e illlhr properl)' aftrr Ihe sheriffs sale, a
lawsuil could be slarted 10 el'iCI )'ou.
!
I
I
i
'I
I
i
,
You have addilional righlS 10 hrlp prolrcl )'our illlarsl illlhe proprrl)'. YOU IIA VE TilE
RIGHT TO SELL mE PROPERTY TO OBTAIN MONEY TO PA I' OFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTIIER LENDING INSTITUTION TO PAY OFF
mls DEBT. (YOU MAY HAVE TIlE R1GIIT TO SELl, OR TRANSFER mE PROPERTY
SUBJECT TO mE MORTGAGE TO A BUYER OR TRANSFEREE \VIIO \VILL ASSUME mE
MORTGAGE DEBT, PROVIDED TIIAT ALL TIlE OUTSTANDING PAYMENTS, CHARGES
AND A7T0RNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SALE, AND TIIAT
TIlE OTIIER REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISFIED). CONTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES TIllS RIGHT MIGHT EXIST. YOU IIAVE
mE RIGHT TO HAVE TIllS DEFAULT CURED BY ANY TIIIRD PARTY ACTING ON YOUR
BEHALF.
/fyou cure the defaull, Ihe mortgage will be reslored to Ihe ,wme posilion os ifno default
had occurred, Howel'er, )'011 are nOI rlllillrd 10 lhis righllo cure )'our drfaulln/ore Ihan Ihree
limrs in allY calelldar year.
Sincerely )'ours,
J. W. Shadrr, Jr,
CollectiOlLf/REO Manager
JWS/sjc
We may also SUl! )'011 prr'wllol/)' for thr IIl1paid prillcipallwlallcr alld all othrr Slll/Lf dill!
IIl1da the mortgagr.
/fyolI hal'e nol currd Ihe dr/aullwithin the Ihirty day paiad 0I1dfareelosure proceedings
hal'e beglln, yall slill hal'e Ihe righlla cllre the dr/allll alld prel'elll Ihe sole 01 any lime "I' 10
one hOllr brfore Ihe sheri/T.f foreelo.rllre .ralr. 1'011 may do so b)' pa)'ing Ihe 10101 amOlll/1 o/Ihe
IInpaid momhly pa)'mrllls pllLf an)' late or ather charges Ihen dlle, as Ihe reasonable allorne)' 's
fers and CoSls carll/rcled wilh Ihe/orrelll.lllrl! ,fale (and pr/fonll any other reqlliremellls IInda
Ihe mortgagr). II is r,flimatrd Ihat Ihr rarlil!.lt dale Ihat slIch a ,fheri/Ts sale cOllld be hdd
would be approximalely March .5, 1997. A notier o/Ihl! dale o/Ihe .rhrri/Ts .rale will be .renl
10 )'11/1 brfore Ihe .fale. Of CII/mr, Ihe amOll1ll nrrdt'd 10 cllre Ihe drfallllwill increa.fe Ihe longa
you wail, 1'011 lIIay find 011I 01 any lime e.wclly whallhe reqllired paymefllwill be by calling lIS
allhe following mll/lber: 232-6660 rXI, 292 or 1-800-.554-4572 rxl. 292. n,is pa)'melllmlLfI
be in CASH, CASIIIER'S CHECK, CERTIfiED CHECK OR MONEY ORDER and made pa)'able
10 /IS at Ihe address .rlated abOl'e.
1'011 shollld realize Ihal a .rhcri/Ts sale will end )'0111' oWllrrship oflhe morlgaged properly
and )'0111' righlla remain in il. /f)'01l cominlll! to lil'l! illlhe property after Ihe sheriff's sale, a
laWSllil cOllld be slartrd 10 el'iCI )'011.
1'011 hal'e addilional righls 10 help prolrcl )'0111' illlrrrsl il/ Ihe p/"Oprrty. YOU IlA VE nlE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PA I' OFF TilE MORTGAGE
DEBT, OR TO BORROW MONEY FROM AN077lEU I. ENDING INSTITUTION TO PA I' OFF
TIllS DEBT. (YOU MAY HAVE TIlE RIGHT TO SELL OR TRANSFER TIlE PROPERTY
SUBJECT TO TIlE MORTGAGE TO A BUI'ER OR TRANSFEREE WHO WILl, ASSUME TIlE
MORTGAGE DEBT, PROVIDED TIlAT ALL 77IE OUTSTANDING PAYMElVTS, CHARGES
AND AITORNEY'S FEES AND COSTS ARE PAID pmOR TO OR AT 77IE SALE, I.ND TIlAT
TIlE OTllER REQUIREMElVTS UNDER 77IE MORTGAGE ARE SATISFIED). COlVTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES TillS RIGHT MIGHT EXIST. YOU HA VE
TIlE RIGHT TO HAVE TIllS DEFAULT CURED BY ANY TIlIRD PARTY ACTING ON YOUR
BEHALF.
/fyolI cllre Ihe dr/allll, Ihe mortgage will be reslorrd 10 Ihe same posilion OJ ifno de/alllt
had occllrred, Ilowel'a, )'011 are nat rlllillrd 10 Ihis righllo cllre )'0111' defalllt more Ihan three
limrJ in any calendar )'rar.
Sincerely)'ollrs,
J. W. Shadrr, Jr.
Col/ecliom/REO Managa
JWS/sjc
I
IDHARRIS'"
U SAVINGS BANK-
~us ;\01111 ~1'(lIlHl ~11('('1
P.O. II", I,ll
11;\1'1 i~hurJ.!:. I'f'llll~~ h ;\IIi.l 1 i1OS.1 ill
.17/2:1(, 1011
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able to help you, Read the following notice to find out how the program
works,
If you need more informalion call1he Pennsylvania Housing rinance Agency at 1-(800)-
342-2397.
La notificacion en adjunto es de suma imporlancia, pues afecla su dereeho a eontinuar
viviendo en su easa. Si no comprende cl conlenido de esla notificacion oblenga lIna traduccion
immediatamenle lIamanda esla agencia (Pennsylvania Housing Finance Agency) sin cargos al
numero mencionado arriba. Pucdes ser clegible para un presl:ullo por el programa lIamado
"Homeowner's Emergency Mortgage Assistance Program" cl cual pllC(le salvar su casa de la
pcrdida del dereeho a rcdimir su hipoleea.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE,
YOU MAYBE ELIGIBLE FOR FINANCIAL
ASSISTANCE wlllcn CAN SAVE YOUR nOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PA YMENTS
DATE:
RE:
TO:
MAILING ADD.:
PROPERTY ADD.:
FROM:
ADDRESS:
September 10, 1996
Account No. 0181021454
Richard S. Bair
842 Bosler Avenue, Lcmoyne, PA 17043
842 Bosler Avenue, Lcmoyne, PA 17043
Harris Savings Bank
Seeond and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
F.XIIIRIT F.
YOII may bc cllgiblc for fillllllcial assistancc that will prcycllt forrcJosllrc on yonr
mor1gagc if YOII comply with the prO\'l~ions of thc Homeowners' Emrrgency Mor1gage
Assislance Act of 1983 (the "Act"). YOII may bc eligible for emergency lrmporary
3.-.sislance if YOllr defaull has brrn cansed hy circnmstancr.s hryond yonr control, YOII have
a rrasonable prospect of rr$\Ilning ,'ollr mor1gage payments, and If yon mrrl othrr
eligibility requirements r$lahlishrd hy Ihe l'ennsyl\':Jnia HOllsing Finance Agency. I'lrase
read all of Ihis Notice. II contains an explanation of ,'onl' righls.
Under the Act, you arc entitlcd to a temporary stay of foreclosure on your morlgage for
thirty (30) days from the date of this Notice, During Ihaltime you must arrange and attend a
"face-to-face" meeting with a representative of this lender, or with a designated consumer credit
counseling agency, The purpose of this meeting is to attempt to work out a repayment plan, or
to otherwise settle your delinquency, This meeting l11usl occur in the next (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer credit
counseling agency identified in this notice, no further proceeding in mortgage foreclosure may
take place for thirty (30) days after the date of this l11eeling. The name, address and telephone
number of our representative is:
Stacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 293 or 1-800.554-4572, ex!. 293
The names and addresses of designated consumer credit counseling agencies are shown
on the attached sheet. It is only necessary to schedule one face-Io-face meeting. You should
advise this lender immediately of your intentions.
Your mortgage is in defaull because you have failed to pay promptly installments of
principal and interest, as required, for a period of atlCdst sixty (60) days. The total amount of
the delinquency is $1,150.24. That sum includes the following: Payments of $373.62 for the
months of July, August, and September, 1996, late charges totaling $29,38.
Your mortgage is also in default for the following rCdsons: None
If you have tried and arc unable to resolve this problem at or after your face-Io-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Applicalion with one of the designated consumer credit
counseling agencies listed on the attachment. An applicalion for assistancr. may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submit your completed application to the
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within
thirtY,(30) days of your face-to-face meeting.
It is l'):trl'lI/l'ly ill/portantthat )'011 fill' )'ol/r application proll/ptly. If YOII do not do so,
or if YOII do not follow thl! othl'r till/I' prriods Sl'l forth in this Il'IIrr, foreclosllre II/oy I'roCl'rd
against YOllr hall/I! ill/lI/l'diatdy.
Available funds for emergency mortgage assistance are very limited, They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every respect.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision afler it
receives your application. During that additional time, no foreclosure proceedings will be
pursued against you if you have met Ihe time rC{juirements set forth above. You will be notified
directly by that Agency of its decision on your application,
The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post
Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717)-780-3800 or 1-800-
342-2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397.
In addition you may receive another notice from this lender under Act 6 of 1974. That
notice is called a "Notice of Intention to Foreclosure". You mllst rC<ld both nOlices, since they
both explain rights that you now have under Pennsylvania Jaw, However, if you choose to
exercise your rights described in this notice, you cannot be foreclosed upon while you are
receiving that assistance.
Very truly yours,
Stacy Armstrong
Collection Counselor
SM/sjc
Attachment:
YOII may be eligible for linancial as.~islance that will prevcnl forcclosure on your
mortgage If YOll comply wilh the prO\'l~ions of the Homeowncrs' Emergency Mortgage
Assistance Act of 1983 (the "Act"). YOll may be eligible for emcrgency temporary
assluance If YOllr default ha.~ bcen causcd hy circllmstanccs bcyond YOllr conlrol, YOII have
a reasonable prospect of resllming YOllr mortgage paymcnts, and if YOII meet other
eligibility reqlllrements cstablishcd by the J>clIIls)'lvania HOllsing Finance Agency. l'lease
rc.1d all of this Nolice. II contains an explanation of YOllr rights.
t
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Under the Act, YOll arc entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time you must arrange and allend a
"face-to-face" mccting with a representative of this lender, or with a de!ignated consumer credit
counseling agency. The purpose of this meeting is to allemptto work out a repayment plan, or
to otherwise sellle your delinquency. 'nlis meeting must occur in the next (30) days.
If you allend a face-to-face mccling with this lender, or with a consumer credit
counseling agency identified in this notice, no further proceeding in mortgage foreclosure may
take placc for thirty (30) days after the date of this meeting. The name, address and telephone
number of our representalive is:
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Stacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O, Box 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 293 or 1-800-554-4572, ext. 293
The names and addresses of designated consumer credit counseling agencies are shown
on the allached sheet. It is only necessary to schedule one face-Io-face mecting. You should
advise this lender immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly installments of
principal and interest, as required, for a period of at least sixty (60) days. The total amount of
the delinquency is $1,150,24. That sum includes Ihe following: Payments of $373.62 for the
months of July, August, and September, 1996, late charges totaling $29,38,
Your mortgage is also in default for the following reasons: None
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Application with one of the designated consumer credit
counseling agencies listed on the allachment. An application for assistance may only be obtained
from a consumer credit counseling agency, The consumer credit counseling agency will assist
you in filling out your application and will submit your completed application to the
Pennsylvania Housing Finance Agency, Your application must be filed or postmarked, within
thirty (30) days of your face-to-face meeting.
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..~ 66. (~ rlO N!t1Ce of F:~:~:~~~; ~;:~. L~~ ;~~;:;~:;;:venue ~aws ;!- . f
Serial Numbor ""ordln~ orne. :.
No. 53QfQ:p',l.o1 ,~!
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Philedel hie PA 2 56
As provided by eectlon~ 6321, 6322, end 6323 01 ths I tern I R')venus
Code, nollce '8 given that taxes (Including Interest on pin IlIeu) have
boen aueued agllnstlhl 10llowlng'n.1med tsxpsyer. oma d "Jr pay-
ment 01 this liability hall betn madeJ, but It remains u peld, ThNeloro,
there Ie a lien In favor of the United ~tl\tefl on all proJJe Y a d rights to
Pl'OPlrty bslonglng to this taxpayer lor the amount of hese taxlla, and
addlllonal penaTllos, Intereat, and coste that may accrue.
NamOOITaXpayorRICHA~ &: MARY E BArR
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B~2 BOSLER AVE
LEMOYNE,'PA 17043
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IMPORTANT f1ElEAS~ INFOflMATION: Wilh re'pecllo each 0'5e55"1enlll$1 d below, un.
less nollc~ 01 lI~n Is ratiled b~ Ih~ dale given In column (0). Ihls noll~. sha . on the d~y
101l0w'l\g such aal., o~.lale ar a ccrtificol. 01 rtf"ase os a.finea in IRC 632 0).
.~
,'" I'" , Tax perl01 Dal 01 last Day for
Kind 'of Tex ' Ended . Idenlltylng Number ARRe5 menl Reflllng
(a) (b) " (c) ( M
, O~11Ih~-
10110 12/31/~5 182-110-912B 06/1 188
10110 12/311 7 182-110-9126 05/2 186 06/22/9/1
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Cum~erland County
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This nollce was prapilred and signed 01
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RevenUfl Officer
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INOTE: (';1I11If,(1I10 01 GIIl'.r ftulhl'Jrllf:1 by/.'",,' In Il!l(fj' (lrl(ncwlc(1CI'J'o'l, I, tV,! t'~f,"1l n'!() ,I,t) ...a'1rllly of N('!'~o 01 r.d,rlll Tft. l11n
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Doparlmonl or the 1,.6UU'Y f'n'611L n"v.nu. So,vle.
, N~ltlce of Fed~ral ~a:( LIen
Serial N'Jlnber ,..J _. Fe, Option" U.. by R"ording O,,:C;-
Ph lad9lt,hla I U:I.1('F"l:-_ qq- /7;)3 r I
s wovldcd bv soctlons 6321, 6322, and 63n 01 Ihe Inle10all Rev hue T -
ad." we are giving a notice thai taxes (Inclulllng Interest and penalles)
eVil been ass~ssed against the fOllowlng.nam"d taxpayer, We ~ave n ade 11 q ,00 fd
d~and lor payment 01 thle liability, but It remains unpaid. There ore,
ar la n lIan; In favor of the United Slates 01" all property an~ rlgh a 10
ro rtY belonging to this taxpayer lor tho a'mount 01 theso texes, and
ddllon:al pon lUos, Intoresl, and costa that may accrue. I
I me of Taxpa er RICHARD S (l, MARY E:BAlR
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1M I ORTANTIRELEASE INFORMATION: For e\ch assessment listed b low, ~:'( ~
unlflss notice of lien Is reflled by Ihe date given 1.1 column (e), this rlolle9 ~hall, C..l.... H '1 r i/4 I
on Ithe day lol~~lng sueh dalO, operate as a CE rtillca!e 01 release' as dGlined
in IRC.i.325(,~.,,,r.'T'" nt:<T' nb.T" "M ,',-,1 I".' ...... 4l,tot ~3aO
, Tax Period i Dale of asl Day lor Unpaid Ba'anclI
Kin or'Tax Ended Identifying Numher Assesamen RlIlIlIllg 01 Assesament
(a) (b) (0)' (d) (0) (I)
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842 IKISLER AVE
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~EMOYNE, PA 17043
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1040
1('41)
12/31/85
12/31/87
182-40-91.2.'~
182-40-912:8
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(I 114/S",
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12746.~;1 .
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Pr(\th('notat.~,
Curnbllr 1 ar,>:! (:Ctur,ty
CarllllQ' Pi, 17013 I
(I 1'~lnal Recordlnq Datal :
, 16:4:~ 11:17 E'.::-<9<:. '
hi& notice w s ~repared and signed at f!'h i I ade I oh I J F't.
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(NOTE: Cel frIel'll' e,t olltcer lu'hOrll(~ bJ law to lake a~k(lOwrrdQtr,nU I~ 01 us nliallo Ih. 't'aIl1il)' 01 NOlie. 01 f'd"ll hx 11'11
R.v, Aul. 7 .,Iee, 1971 .2 C,B. 40Q) . J i' ,
1... _..__.....::._.. part;. ~~~lr~rTR~corr'ng CUlcn Form 668 (y)(Rov,l()'93) .
Tolal $
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fOlm 668 (Y)
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"~~lIce of F;~;;;:;~:' ~;;"~~ ;r"I~;;;~:;;:venue laws; , 'I- i'
i For Opllon.' UII b Il'~o"/:g OFOf I_ : ~
Philadelphia, ['A ~ 6~08 No. 5305' p. Jato ! II
A. provided by Ilollonl 6321, 8322 and 6323 of the Inter III Revenue I_ :'
Code, nollol ,. glvln thl' t.x.. (Inc\'Jdlng Int.r..t and pe allllll) have (: , i
bun .......d IRllnl thl followlng.nlmed taxplyerl De nd for Fcay. ',' r ; I
~:~: r: ~~I:~lr~ f~tyo~~~ ~~e~,m:~e$t~~:~to~~lrl~r~ ~~~I ;,JI~f~~t~rt~ - "1_
property belonging to thl, taxpayor f,)r the amount 0 theso taxes, and . . I
addlllonal ponaltle., In oreat, and coet, that may accru . ,
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Kind of Tu ronde IdenUly1n\l Numbor All umo I Rellllng
(II ' (b) i (c:1 (0) (~)
10~0 12/311811 182~~0-9128 10/ '118 11/16/9~
10110 1?/31(86 182-40-9128 081 2i8 09/21/9~
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Name 01' DXPOYOIRICIIArD S & l'lARY
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8'12 BOS~ER AVE
l.F.IIOYUE', PA 17043
E BAIR
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IMPOrlTANT RELEASE IN ,ORMATION: W1lh r"8pectto ~ech A55e9 menll ted be~ow. un.
I.u noll~~ 01 I'on Is rellled by Ihe dale glVQI1 In column (Q). Ihls n IIc& sail, en the day
fo!lowlng ~uch dRte. opela,. AI . certificate of rel~ase as defined In RC 83 5(e)
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PI' thonotary
Cu berland County
Ca lisle PA 1701
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Revenue Officer
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l'HOT1: ~1i1('..t1~ 0' offrefJo .l/.f"lo.uo::f to)' I~,,' b toH:1 a=~'A'I~:-"1.n" is
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t,_.11_~~NOTICE CORRECTS ~)IGINAL NOTlpE 2b,";1)6408 FILED ON 04/01'3/90
6 ! (Y ], Des',arlmenl of Iha Tre Bury Inlernel nevenue Service
orm 681 ) i .
( o"oclOb.. Iml . Notice of ed ral Tax LIen
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-- s;II,;(Number or Optional U.. by Recording O/llce
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Phllldl!lphla. I I
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As provlped by sections 6321, 6322, and 6323 01 the In ernal Rel/enue
Code, w, ere giving II notice thallaxes (Including Inleresl and enultles)
hive been enDssed egllnsllhe 101l0wln\l.named lexpoye~we avo modo
I demln:d lor paymenl of thll liability, I:UI It remelns un ald. hereloro,
Ihere Is ~ lien In lavor ollho United Sla,I9s on III prope y an rights 10
property bolonglng 10 Ihl8 taxpayer for ,tho amount of thue axen, and
Iddltlon I penellloe,Inler8lt, and cosls t~,al may accrue,
amo of ax payor RICHARD S ~, MARY E flAIR
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Bsldene 842 BOSLER AVE I
LEMOVNE, PA 17043 I
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IMPORTANT RELEASE INFORMATION: For each assess onlli lod below, ~
unless police 01 lien Is rolilod by the dala l'llven In column (e)I, Ihls olic'l shall. c.u..d 14").Oq
on Iho ~ay lollowlng such dale, Qperale as a certiflcale of r lease' as defined ;
RECTS ORIGINAL D/,TE IN CIJL. (e) H l1.~ ,~~~~
Tax Period I Dale of last D.y for UnpaId B$I.nce
Ended Identllylng Number Asse~9men Remlng of An...m.nt
(b) (c) (d) (6) (f)
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182-41)-9128 08nUS
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12293.67
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Place O'jFlllng p,.C1thoncohry
. Cumberl~nd CDunty
. I Carlisle,' PA 17013
prlglnal Recording Datal '
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T~ls note was prepared and signed atl I
Ih'O -+ d_a~~I.~::__~.~~..!~L._: :...
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'r..." t . '\~'1'hl In~" l'lrhllllYIIUltl1Pf'11 11\ 1IlIl','.nnli"llo lhn ""'Id:ly Of Notice 01 Fed.rnl Tu lien -,
In.... "..., n" '''''' ,;",. ""'co Form668 Y ROv.l0.93),
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Chief. S.P.B.
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~~ 6681 (~~ 1- _. oln'i"mlnt or thl Tr,alUr - Int rn.1 ~;;;;.- Servlc.
~~I:j: I~" 7111 L Notice of FedlHaI Tax lien IUnd~r Internal Revenue Laws
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slrlet - ~llrlaINumbar.l J For Opl/on.1 Un by R'corfllnll Ofrlo.
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Co 0, ollce II given that taxes (IncIL,dlng Interest anCl pe~ olliE s) have ~
bltn II lined oRalnlt tho followlng-lIamed taxpayer. IDem nd lor fcay.
mont 0 this lIob Ity has been mndo but II remains unpal, , Thore ore,
thlre' 4 lien In tevor of the United S,!ates on all prop.arly I"~ rIghts to ffi' .0
prOJlrty belon~'ng to thll taxpayer fN the amount ofl thea to):os, and r.~
n l.-
ed 11I~~81 pon._~toroatl end COSII! thai may accrue, " ..f
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Im& 0 oxpnyer RICHARD S & HAllY E BArR '.,.:r)C'"
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8112 BOSLER AVE I I :1-- :; :~.-:t rl'\
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LEMOYtlE, PA 170~31 i .~>
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IMf'OR ANT R~leA$E INFORMATION: Vlllh r,)spect 10 eech a9sestment I !lId lelow. un.
141. nol'ca 01 II," II refll.d by Ih& dete given In column Je), thl9 n tlce 9 ell, en Ihe day
'nIlO~lnr .uch delo, Op"lIte ae II cortlne,'a 01 I eleasa .9 allnod In iRe 63 5(e) :
.
Kind o/rex Tax Plrlod ~tof lost Day for UnpaId Bolanc" ,
Ended Idenllfylng Number Ass lime I Reflllng of Allelll'nant ,
; (a). (b) (;) (d) (e) (T)
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1 /10 12/3-1/89 182-~0~9" 28 oaT" 09/12100 ., '10863.;23
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Cumberland Cc'lunty 10863.23
, Carlisle, PI; '17013 j. ;
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This Mllee was prepared and signed al ~. on thl'
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to. I ~ ~, , dA,.<<.w, .' .
"~":Sgnot re ~." I I'tle r I
. ~. Revenue Officer H I'~
~ for Dennis Zmudzln ! 23-0'-1~~1
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'fi.; O~OTE: Cl)rtl~lcA'Q 01 o"ICtt lIulhollted by I,..... 10 'AKO fd....ChlOc1grr,..nlll!!t 1101 . lanllll 10 '11", vrl'lrHi of Not'ce 0' Foder.r Tax lien . t
lilt, nul n~oo, 1071 ' 2 0,0. ~OOI I . , :
. Form 668 (V) (Rw. 7-8D) J'
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n.Vllnue Strvlet
I. I ntE!rnal Revenue L~ws .
(Fl. , 7 e~) Notice of Federal Tax ~ien Ur der
, -
01 IIIet ! Serl~1 Number ~p'lIon'/ U" by R.cord/nll Omc.
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. P1h II ad e 1 phi a , PA 2391p0420 SCP 8%
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A rovlde by eectlons 6321, 6322 and 6323 01 the Inte nol evenull P5,1I4
c Ie;. notice Is given thllt lax"e (Indudln" Inleresl and p nolll s) hOVll
b en e8ses'sod IIHslnet tho lollowlng.nsm'ld taxpeyer, Demand or rey. ,
mpnt'ol this IIab Ily hili been mllde bul It remains unpllld, Tt te ore, ,
thero ,Is 0 lien In IlIvor 01 thll Unlled ~itale!l on IIIl prollerty and ghls 10
, procl!:erty bo,IOn?'ng 10 thlll taxpayer lor Ih I amount 01 thero 10 os, and '-
a IIlonal pen a lIea,lnterest, and costs that may accrue, 1;.; ,
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Naner Taxp'ayer HARY E BArR. - ! -- L,' ;:'
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: BArR'S CRAFT WORKSHCP I " ,
....' 1(;)
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Ae Idenco . ~- ;."T\
00 MARKET ST., REAR , :'":! "n
EMOYHE, PA 17043 I -,. ,,'
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I'JlPORTANT RELEASE INFORMA110N: \'10th respect to each aS$Gssme/\1 Isted t . low, un. ,
Ie.. nolico of lion Is reliled by the dala given In colllmn ~e), this nolice s all, 0 Il1e day
" 1I0wrg such' date, ope rat. as a certificate 01 release as orined 1/\ IRC 6 25(0).
,
-
I. "1 Tax Period Dale 01 ael Day lor UnpaId B.'.n08
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K't ql Tax Ended Idenlllylng Number Aeeeasmanl Aellllng 01 Au.um.nl
(0) (b) (c) (d) I (e) (Q
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06/30/89 25~<158B4~ , 8/;19/00
37/30/90 270.02
9'1'1. I 09/30/89 25 -'158:1'34;~ , 8/;19/00 1176.'12
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~IP lovlded b alcllonl 6321, 6322, and 6323 c:'llhe Inllrnal ROYlnue\codO, D, U' 935 ·
npllce I' give" Ihll lax.. (Including Interos.1 and penlllles) hav~ be,ln 11 J'''-
8/S"ISed agal~st thl lollowlng-namld IlXpaylr, Dlmand lor paymlnl 0111111 1"'3' /or.:> .
lI~bllty has be,on mada, but II remalna unpaid, Th.relor., thlr! la. I.n In
I vo 01 thl U~Il.d Statee on all prop.rty and rlghtlto property elon Ing to
I I'ltaxpay,r Ilor the amount 01 the.. tax.., and addition I p' alll"I,
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1m 01 Tnxpa or MARY E BAIR I-~
::: I r'AIR'S CRAFT WCim~SHor-:' ~
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~EMOY~E' ~A 170~3-141~
~ 1M ORTANT lRELEASE INFORMATION: With re,lpect to each osse sme Iislld
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OffiCE 01 Tlil' SHilUt"
OUfl~'''' ":~'T
Ju I~ 801 AH '91
CARllHE
PENNSYLVANIA
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Bair, the defendant.
5. Efforts have been made to locate Mary E. Bair, the
defendant, by contacting Roger A. Estep, her brother, of 520 Locust
Road, New Cumberland, PA 17070 and by contacting Thelma Phillips,
her mother, of 806 Front Street, New Cumberland, PA 17070.
6. Thelma Phillips, mother of Mary E. Bair, reported that she
was aware of the pending mortgage foreclosure and that Mary E. Bair
moved out of the mortgaged house in August of 1997, is living with
a person named Dietz but does not know her whereabouts.
7. The scheduled Sheriff's sale of the mortgaged property is
being currently advertising in the Cumberland County Law Journal,
being October 10, 17 and 24, 1997, and in the Patriot-News, being
October 21 and 28 and November 4, 1997.
8. The mortgaged property has been properly posted by the
Sheriff of Cumberland County.
WHEREFORE, Robert E. Myers, attorney for the plaintiff, moves
your Honorable Court for an Order authorizing service of the Sale
Bill, Writ of Execution and Notice of the Sheriff's Sale of Real
Estate be made on the defendant Mary E. Bair by ordinary mail
addressed to her last known address, being 842 Bosler Avenue,
Lemoyne, PA 17043, and addressed c/o Thelma Phillips at 806 Front
Street, New Cumberland, PA 17070, with the U.S. Postal Service
Certificate of Mailing and with service to be complete upon the two
2
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
VS.
MARY E. BAIR, surviving
tenant by the entireties
NO. 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK SS
PERSONALLY appeared before me, the undersigned officer, Robert
E. Myers, Esquire, who, after being duly sworn according to law,
does depose and say that efforts made to investigate the
whereabouts of Mary E. Bair, the above defendant, consisted of
contacting the Lemoyne Borough Office, who made efforts to contact
her, Thelma Phillips, her mother, of 806 Front Street, New
Cumberland, PA, and her brother, Roger A. Estep of 520 locust Road,
New Cumberland, PA, without success except that Thelma Phillips,
the mother, reported that Mary E. Bair was living with a person
named Die', hu' "he did no, kn~:::u'~.
Sworn to and subscribed
befor~me this ,..;1. I day.
of ~~~~,~. , 19~.
:nt..?<A....-,A.t..(....L.~ / YI0r-'?('-
Notary Public
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,. , ROO!tRT E. MYERS
AlWRNEY AT LAw
.100 YORK ROAD
NllW CtlMnURLAND. PA 110'70
&bcr 23 1997
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FIRST FEDERAL SAVINGS & IN THE COURT OF COMMON PLEAS
LOAN ASSOCIATION, now OF CUMBERLAND COUNTY, PA
HARRIS SAVINGS BANK, by merger:
Pl.aintiff
vs.
CIVIL ACTION LAW
RICHARD S. BAIR and MARY E.
BAIR, his wife
NO. 0185 CIVIL 1997
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
IN MORTGAGE FORECLOSURE
To:
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Please reinstate the above referenced Complaint in Mortgage
Foreclosure.
Dated: .,1-<-i- J,\ /9 Cj '/
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ROBERT E. MYERS
, All0RNfiY AT LAW
100 'Rl1'.T< RO~D
NEW CUMlIt:lU.AND, PA 170'10
MAR' 1 8 1991!" .
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bair/sti
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by merger:
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
CIVIL ACTION LAW
RICHARD S. BAIR and MARY E.
BAIR, his wife
NO. 0185 CIVIL 1997
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
IN MORTGAGE FORECLOSURE
MOTION UNDER R.C.P. 1033 FOR
ORDER GIVING PLAINTIFF LEAVE TO AMEND COMPLAINT
Motion of Robert E. Myers, Attorney for Harris Savings Bank,
the above Plaintiff, made this /1,1
day of March, 1997, for Order
of Court leaving Harris Savings Bank in the above-captioned matter
file an amended Complaint based on the facts that the Sheriff of
Cumberland County, Pennsylvania, in endeavoring to make service on
Richard S. Bair, one of the defendants named in the Complaint, was
informed that Richard S. Bair was deceased, with no Estate on his
death being of record in the Register of Wills office of Cumberland
County and the fact that the mortgaged property was held in the
names of the above Defendants as husband and wife and thereby the
above Mary E. Bair is sole owner of the property and Plaintiff in
,
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^l1'ORNHY AT LAW ..
. IOOYOl\KRO^D
NllWCUMlIERLAND,PA 11070
~UN 111997
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK,
by merger
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
Plaintiff
civil Action
Law
V.
IN MORTGAGE FORECLOSURE
RICHARD S. BAIR and MARY E.
BAIR, his wife
Defendants
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
Additional Defendant
NO. 97-0185.CIVIL TEm~
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V.
ORDER
AND NOW, this
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day of June, 1997, in consideration
of Plaintiff's Petition, a Rule is hereby issued upon Defendant
Mary E. Bair and United States of AMerica to show cause why the
Rule issued on March 19, 1997, against them to show cause why
Harris SAvings Bank, the Plaintiff, should not be given leave to
amend Complaint should not be made absolute as of the 8th day of
May, 1997, prior to the time of the filing of the Amended
Complaint.
RULE RETURNABLE after 20 days of service. Service to be made
by regular mail, postage prepaid, certificate of mailing and
addressed to Defendant Mary E. Bair, United States of America at
t
,
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK,
by merger
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
Plaintiff
Civil Action
Law
V. IN MORTGAGE FORECLOSURE
RICHARD S. BAIR and MARY E.
BAIR, his wife
Defendants
V.
UNITED STATES OF AMERICA NO. 97-0185.CIVIL TERM
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
Additional Defendant:
AFFIDAVIT
Commonwealth of Pennsylvania
County of York SS
Personally appeared before me, a Notary Public, Robert E.
Myers, Esq., who after being duly sworn according to law deposes
and says that the facts set forth in the foregoing Petition are
true and correct to the best of his knowledge, information and
belief. .!ilk
Ro ert v~
Sworn to and subscribed before
me this /(1 U day of June, 1997.
~ tJu-L<-/ ~4J
Notary Pu lic
NOTAFll/,L SEAL
Mary 0 VerH.1ge. fJolary Public
D:i5turg Boro. York CtJIH;!Y
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AITQ)l1IEY Ai LAW
'OO.l:'Oll~D
NllW CUMllERLAND. Ph 17070
@/AUG 0 4 1997
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by merger:
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
CIVIL ACTION LAW
RICHARD S. BAIR and MARY E.
BAIR, his wife
NO. 0185 CIVIL 1997
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
IN MORTGAGE FORECLOSURE
MOTION TO MAKE RULE TO SHOW CAUSE ABSOLUTE
Robert E. Myers, Attorney for the Plaintiff, represents as follows:
1. On June 13, 1997, your Honorable Court by Order of Court
issued a Rule to Show Cause on Mary E. Bair and United States of
America, Defendants, why the Rule issued on March 19, 1997, against
them to show cause why the Plaintiff should not be given leave to
amend complaint should not be made absolute as of the 8th of May,
1997, prior to the time of the filing of the Amended Complaint.
2. A copy of the Order of June 13, 1997, was mailed by
regular mail to the Defendants on June 17, 1997, official receipts
therefor being attached hereto.
3. On July 3, 1997, a Stipulation between Plaintiff and
United States of America was filed in the above captioned matter
whereby United States of America agreed that judgment be taken and
premises be sold at Judicial Sale free of its lien.
4. No Answer or other pleading has been filed by either of
!I!fJCATl; QF MAJ!'!N~
PO lAEOMJ"O~RVO'COEMiSTj~~~lf~nHNArIONA-li.1All. Dot S NOT
MAY BE US '., lR _
PROVIDE FOR INSURANCE POS1MAST __._______~__~_
Robert E. Myp",
AttnrM" :~ ~ft'"
l~IlOMJ
Ne. CumberlAnd, PA 17070
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. . Po TA SERVICE T E M
MA\' Bf USED FDR DOM A LI
PROVIDE FOR INSURANC~:T~~:r~~~::;NA nONAl MArl, DOES NOT
R,e.tllld Ftom'
Ro&ert C, My...
Attorney 0 t Lo.
Ne. CumberlAnd, PA 17070
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Ps Form 3817. Mar. 1989
GPO 199J 0 - 151-05.
. P TAL SERVI E TIFICA TE MAILING
MAY BE USED FOR DOMESTIC AND INTERNA TlONAl MAIL. DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
R'C'ivld Ftom:
Robert E. Myers
AU"fnpy I'll lllW'
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Ne. Cumberland, PA 17070
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK,
by merger
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
Plaintiff
Civil Action Law
V.
IN MORTGAGE FORECLOSURE
MARY E. BAIR, surviving
tenant by the entirety
Defendant
V.
UNITED STATES OF AMERICA NO. 97-0185.CIVIL TERM
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
Additional Defendant:
STIPULATION
It is hereby stipulated and agreed by and between counsel for
the plaintiff and the defendant, United States of America, as
follows:
1. That the premises referred to in Exhibit A of the Amended
Complaint is owned by the defendant Mary E. Bair.
2. That the Federal tax liens referred to in paragraph 25 of
the plaintiff's Amended Complaint in the amounts of (A) $22,782.53,
(B) $12,243.67, (C) $10,863.23, (D) $3430.35 and (E) 1169.90 are
junior in time to the plaintiff's mortgage set forth in paragraph
7 of said complaint.
3. That the defendant, United States of America, agrees to
the entry in this action of a judgment in favor of the plaintiff.
1
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Office of the Sheriff
Mary Jane Snyder
fluot I '11010 Oupu1v
Ralph G, McAlhbter
Chlof DoputV
Michael W. Rinehart
AS:';I:;lent Chin' Deputy
William T. Tully
Solicitor
[)nUrhln County
t lurliHburU. Illtnllliyh:unlf) l' 101
(/1/) ;;!I!I?f1BO
J, R, Lotwick
Sheriff
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
SHERIFF'S RETURN
No, 0886-T - - -97
OTHER COUNTY NO. 97-195
AND NOW. May 14, 1997
at 9.40AM served the within
COMPLAINT IN MORTG, FORECLOSURE & NOTICE upon
UNITED STATES OF AMERICA
SALLY BOULTON - LEGAL SECRETARY
by personally handing to
1 true attested copy(ies) of
the original COMPLAINT IN MORTG, FORECLOSURE & NOTICE and making known to
him/her the contents thereof at FEDERAL BLDG,
228 WALNUT ST.
HARRISBURG, PA 17101-0000
Sworn ~nd subscribed to
before me this 14TH da0\ MAY, 1997
.StJt2/f1J C-. -rJ2?,; ")
I PROTHONOTARY l 'vf.I!l.,Ct.
SO AR~
2, _ f o~ D"'.~O ro~ Pa.
B r t<-H--'f/(.{"U<:rafl:t:"._. -.,
DEPUTY SHERIFF
Sheriff's COStSI
SO.OO PD 00/00/00
RCPT NO
SW
MAY 1 ;S 1997
5. Rec.lved By: (Print Name)
I 1lI00 willi \0 rocetve the
folloWing oervlce. (tor en
.x1r. fee): i
1. 0 Addre...... Add,."
2. 0 R.s\l1cted D.llv.ry
Consult poslmlSt.r for fee. 1
4a. Artlcl. Number
i
III
1
A
1
1
'Ii .~~I2J.;J.2~yJJ..
t .~ tlelN S. .', and .b.
I .Prtnl vru r\IIM IInd add,." on the ,....,.. 01 INl IOITn 10 that we can 'Mum thi.
conllO you.
.,tach'" form 10 thl tronl of the mall~. or on thl badl.1I ~ doeI not
I .~R.tum RfIt>>IpI A<<lutlltd" on IhI mall~ below the ,ttl(3 rurber.
'II .ThI RMtm ReceiJj _I show 10 whom thellUd' WI' iMllverltd and thI date
Ii _.
\ 3. Articl. Add,..sed \0:
Janet Reno, Attorney GEner
Main Justice Bldg.
950 Pennsylvania Ave.
Washington DipoiH\iint or Ju.tlce
1 P 433 107 325
4b. S.rvlc' Typ'
o R.glstered 0 c.rtlned
o Express MIlII 0 InlUred
o R.'um ReooIPI for Merclllrdae 0 COD
7. Oat. of D.llv.ry
B. Addre....'. Address (Only 'f roqu..ted
and f..'S paid)
1I B. Slgnatur.: (Add
i!. X COrneUu.
JI
PS Fonn 3811, Dec.mber 1994
1O;"}}~'J' 60H9
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(bair96.com)
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by merger
IN TilE COUR'I' OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
Plaintiff ,
CIVIL ACTION - LAW
vs,
RICHARD S. BAIR and MARY E,
BAIR, his wife,
NO.: rl'; - I J" "
civil ~ -r;~
and
UNITED STATES OF AMERICA
c/o United States Attorney
U,S. Courthouse
601 Market St.
philadelphia, PA 19106
Defendants.
IN MORTGAGE FORECLOSURE
COMPLAINT
COUNT I
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK,
BY MERGER VS RICHARD S. BAIR and MARY E. BAIR, his wife.
1. The Plaintiff is First Federal Savings & Loan Association
of Harrisburg, now by merger HARRIS SAVINGS BANK, a corporation
organized and existing under the laws of the State of Pennsylvania
and having its principal place of business at Second and Pine
Streets, Harrisburg, Pennsylvania, 17101.
2. The Defendants are RICHARD S. BAIR, an adult individual,
residing at 842 Bosler Avenue, Lemoyne, Pennsylvania 17043; and
MARY E. BAIR, his wife, an adult individual residing at 842 Bosler
Avenue, Lemoyne, Pennsylvania 17043.
3. This is an attempt to collect a debt, and any information
obtained will be used for that purpose.
4.
Defendants, on September 7, 1984, entered into a mortgage
loan indenture with First Federal Savings and Loan Association of
Harrisburg, now by merger Harris Savings Bank, in the principal
amount of THIRTY SEVEN THOUSAND AND 00/100 ($37,000.00), DOLLARS,
the terms of which loan are more specifically evidenced and set
forth in the mortgage indenture dated September 7, 1984 and
recorded on September 10, 1984, in the Cumberland County Recorder's
Office in Mortgage Book 760, Page 454, a copy of which is attached
hereto, marked Exhibit "A", and made a part hereof by reference,
which mortgage contains and is a lien upon the property situate at
842 Bosler Avenue, Borough of Lemoyne, Cumberland County, Lemoyne,
Pennsylvania 17043, being improved upon with a dwelling,
5. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated September 7, 1984, a copy of
which is attached hereto, marked Exhibit "B", and made a part
hereof by reference.
6. First Federal Savings and Loan Association of Harrisburg,
now by merger Harris savings Bank, in consideration of the said
Mortgage and accompanying Note, advanced to Richard S. Bair and
Mary E. Bair,
the sum of THIRTY SEVEN THOUSAND NO/lOO DOLLARS
($37,000.00).
7. The premises subject to said Mortgage is more
specifically set forth in Exhibit "G", attached hereto and made a
part hereof by reference.
8. Richard S. Bair and Mary E. Bair are the sole owners of
the said premises contained in said Mortgage.
9. Said Mortgage and Note have not been assigned in whole
I
,
(
,
or in part by the Plaintiff herein.
10. Richard S. Bair and Mary E. Bair are the record owners
in fee simple of said premises by virtue of a Deed dated 6th
September. 1984 and recorded in the Cumberland County Recorder's
Office in Book W-30 ,Page 789
11. No Judgment has previously been entered on said Mortgage
or Note in any jurisdiction, and said instruments are less than 20
years old.
12. The said Mortgage is in default because Defendants herein
have failed to make monthly payments of $373.62 that was due and
owing for the months of July, August, September and October, 1996
and a monthly payment of $371.20 that was due and owing for the
month of November, 1996.
13. The Plaintiff has given to the Defendants written notice
of intention to foreclose on said Mortgage as required by law under
Act 6, dated November 4, 1996, copies of which are marked Exhibit
"C" and "D" and attached hereto and made a part hereof by
reference.
14. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
November 4, 1996, copies of which are marked Exhibits "E" and "F"
and attached hereto and made a part hereof by reference.
15. The entire principal amount of THIRTY SEVEN THOUSAND
00/100 DOLLARS ($37,000.00) has become due and payable, together
with interest at the current rate of 8.625% per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said Mortgage less such sums as have been paid on account of
principal of the said mortgage ~nd coots.
16. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $ 1.749.25 ,
17, The Defendants are liable to the Plaintiff for interest
at the current rate of 8.625% per annum until paid and expenses as
provided in and collectible under the mortgage documents that will
accrue until distribution by the Sheri if of Cumberland County,
Pennsylvania, to be computed at the time of judgment in theSE
proceedings in addition to the curr8nt loan balance and thereafter
until paid.
18. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A, Principal amount and interest
due through 11/30/96 $ 33,552.08
B, Interest at the rate of
8.625% from 12/01/96 to
06/04/97: $ 1,433.00
C. Late Charges: $ 184.69
D. Attorney's Collection Fee $ 1,749.25
E, Escrow Due $ 248.00
TOTAL: $ 37,167.02
19. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the United States of America.
COUNT II
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION, now HARRIS SAVINGS BANK
by merger, VS. UNITED STATES OF AMERICA.
20. Paragraphs 1 through 19 are included herein by reference
as if set forth in full.
21. Defendant UNITED STATES OF AMERICA has filed the
following tax liens against Defendants Richard S. Bair and Mary E.
Bair:
A, 1994 - 01723 Entered April 6, 1994, $22,782.53: U.S.
Treasury Dept., P.O. Box 12051, Philadelphia, PA 19105, vs. Richard
S. Bair and Mary E. Bair, 842 Bosler Avenue, Lemoyne, PA 17043,
April 6, 1994, corrects original notice filed May 8, 1990, to 5396
filed May 8, 1990, in the amount of $22,782.53. Copy uf the
original Federal tax lien filed is marked Exhibit H, attached
hereto and made part hereof by reference; copy of the corrected
Federal tax lien filed is marked Exhibit I, attached hereto and
made part hereof by reference.
B. 1994 - 04009 Entered July 19, 1994, $12,243.67: U.S.
Treasury Dept., P.O. Box 12051, Philadelphia, PA 19105, vs. Richard
S. Bair and Mary E. Bair, 842 Bosler Avenue, Lemoyne, PA 17043,
July 19, 1994 corrects original notice filed AprilS, 1990 to 5365
file entered AprilS, 1990 in the amount of $22,565.16, Copy of
the original Federal tax lien filed is marked Exhibit J, attached
hereto and made part hereof by reference; copy of the corrected
Federal tax lien filed is marked Exhibit K, attached hereto and
made part hereof by reference.
C. 5651 - Federal Tax Lien - 1990 Entered December 17, 1990,
10,863.23: U.S. Treasury Department, P.O. Box 12051, Philadelphia,
PA 19105 vs. Richard S. Bair and Mary E. Bair, 842 Bosler Avenue,
Lemoyne, PA 17043. Copy of the Federal tax lien filed is marked
Exhibit L, attached hereto and made part hereof by reference,
D. 5688 Federal Tax Lien - 1991 - Entered January 15, 1991,
$3430.35: U. S. Treasury Department, P.O. Box 12051, Philadelphia,
PA 19105 vs. Mary E. Bair and Bairs Craft Workshop, 900 Market St.,
Rear, Lemoyne, PA 17043.
Copy of the Federal tax lien filed is
marked Exhibit M, attached hereto and made part hereof by
reference.
E. 6935 Federal Tax Lien, -1993 - Entered September 27, 1993,
$1169.90: U.S. Treasury Dept., P.O. Box 12051, Philadelphia, PA
19105 vs. Mary E. Bair and Bairs Craft Workshop, 900 Market Street,
Rear, Lemoyne, PA 17043.
Copy of the Federal tax lien filed is
marked Exhibit N, attached hereto and made part hereof by
reference.
WHEREFORE, the Plaintiff prays the Court to enter judgment
against the defendant, UNITED STATES OF AMERICA, directing that the
mortgaged premises be sold in foreclosure and sale free and clear
of the Federal Tax liens set forth in paragraph 21.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against the Defendants, RICHARD S. BAIR and MARY E. BAIR, of
Mortgage Foreclosure and sale of the mortgaged property, with
damages in the amount of
537.167.02, together with additional
interest thereon, costs and all other amounts advanced by Plaintiff
until paid.
DATED:
rN.t.{" _ / ~
, 1996
'. ; i/.1~~~
'i
ROBERT E. MYERS, ESQUIRE
100 York Road
New Cumberland, PA 17070
(717) 774-3163
Attorney I, D. No.: 09729
Attorney for Plaintiff
'. :
, I
fJ
I''''er ...,.,. 'hl.t....'~ II"...... n.ttl -____..w_
,\'/ I" /11 'J 1/
MORTGAGE
TillS MORlGAOE ("Stcurily In\lrullItnl") I, ~hrn 011. ..Sr.p.tenWet 1
19..84,. Th,mo"I'IO'I, .......Rlch.rd S. ,"air.. an HOfY e,..."dr, hi... ~I.!~.... ... ... .,...... .....
.s~Vr~/l.."~."anJ'lo..1n. A;,i'o~'f':it'{on" or' n~'~~'~~~~.r~'~ T~I~bt{pUm~~nt\~rrilnlrf1t is 1"i>I"h'I,U.J ~l' ~ ~ _~ rO:~I..~J.f1.11"'"
.."...r,l; ~...-. ,..yh.....'i......... '~...............r'.... ",'" .,.....'........... , ,.,......~w c \0I1:1I111ruanl r~l\ln.
undu lilt lalu (I( .........ff..., .ut_t c:,1....J.~.t~.~...o. ^~~.~J~~."....... Inlt" hOlt Idll,tn h Jlt .tlQ~lh...S~cqt,d 5 t rc!l;~
HAI.rh.buri. P.nnuJ.vonla... .. . .. ,.. ......... " ... .... " ............ . .. ..........., . . ("l,ud,,")
00"0""('1 O"'l'S ttmlrr Ihe prlnclrll lum o( Th i r t)'~ul/jl.n.Thouund .-and"OO/lOO~--:~7.":'~.7.7.:-:.~7.~:-.--~.':",~.~.
.':"'~:"'.--:."':'7.~- .-::7.7.:-.:7:':",:-.:::~.7.::::,7.':'::".-~"':' nolla,. (lI.S , .371000,.00::.":'":":: ,I. rhi~ drhl il t\-idtllCrd h~ nOfflHlt"\ nnl~
d.'rd Ihl! '~""e d,lt flS Ihls 5rC'Uflly 11I11111",t"1 ("Nole"). whlrh r,nvid" rClr mllnlhl)' r")'ll1rlllt. "'llh Ihe (uUl!,br. If II!)I
rllhlC'ulirr.lltlc !lud rl)'ablroll ..".. OctnbPf..J ....20l4.... . ,. ............,,,...... Tlli' Sl'llJ,il)' 111\111111I"111
'~culn 10 I.tllllrr' fa) Ih,. Jtrl)mrnl of Ihe dtbt nldtllcrd l1y Iht NCIlt. \10'1111 inl'It,I, and .11 't1ltw;\I\, t'~ltfl\ll'lI\ ,"d
modil'klllli(ln\i (h) Iht rAynlt-nt (\(all olh" .urns, wilh lolrrnl. Idv.nerd undrr r.ra'IlIJlh 11n IUOltcllht' \wHir) llf 11111
Stcu,ily Inslrumelll; Ind (t') Ihe prlfnrmllnl.tO(normwrt'. roven"nh IIn.t 1Il,ICtmtllh under 11111 Srcuflly In'.hulllel,1 :lIld
the Nole, ror Ihi\ ru,rosr. 1I0ffOlloff doft herthy RlOfIZ"Bt..,llnl and convry 10 Ir"f'U l!it f"lIo\lo lnf; dr\t'Iiht....l'lrrtll)'
IOUltd III ......... ..,,-. Cwnbe.dao.d.. ".p ..--,..."........ .........."......, "...-..."".......... . (Ollllly. rCIlfl\)hnl1"
ALL THAT CERTAIN phre or parcel of land altuate in the Borough of Lemoyne, County
of CuttlbHlRnd Rnd Stllte of Pennsylvllnia, more put1culllrly bOlJnd,d and "'eacrlbed
at (alloy!, to wit:
Rr;CUmWG at II point On the 80uthern llnl'! of RoslH Avenue at the dlvldi.l\8 llna
bHu.en Lot. tlo.. 89 and 90 on the hf!r4dnart~r mant ion.d Phn of Lou, uid point
b.lng ~O fret meuur@d eutwudly along thR lJ(lIJtlll~rl\ llM (If Bnlll,., Avenue from th~
BOUlhf!alt tOtner of 8aid Roalef AVDn'l~ And N(ntll Slre~r; thence in a wflt,rly
direction along the southern line of BOllier ^"'@nll~ 21 hilt, more or lua, to II
point On the Hne pusing through the cttntu of tile partlclon wall of tlu' double
tuo 3M ,11M-flAil H6fY bd~k du~\1in~ 1,611!~ heeled ill parl "plln 1I,. tnl h.roin
described; thence in a southerly dirertion AlollR uld Hill! through the center of
said p~rtltlon wall ~nd beyond ISO feet. More or leal, to ^rrl~ AJley; thence in nn
rastllrly direction nlong the northern linA of Apple Allt-y, 21 feet, mon or hu.
t(l ft p(1lnt un the dividing 11n. between tnt. tin.. 89 and 9U 011 tha haroindtn
m(llnliollt':d rlan o( Lots; thence in A mlrthuly direction along .,dd leu mentioned
lino ISO r..r to rh. point or Plac. IIf BEGIlINIlIG.
,
BEHle. portion or Lot No. 89, Block "f", on Plan llo. 1 of R1verton, nO\l the Borough
of Lemoyn.. laid PIAn b~ln8 recorded In lllll! Cumbcrhnd r.otlnty Rtrorder'. Office 1n
Phn Book IIJII, Volum'!! I" Pllge <40.
BEINe T~ SAHE PREIIISF.S uhlch LIIlI.n B. Jon.a, uldou. hy hor D..d dat.d tho .s..1!J...
day oC r.....nlltrl1~ 19fH. And ahollt to bE' rE'cord~d In th@ OCUl'e' of the' Recotdu
of Deedllnand tor Cumberland COIII'ty, Penn!JylvllniA, ~unted and conveyed Unto
Rhhltd S. hit 8IId BAry E. halr, his wife, HOftZIIBora heuin.
UAVING TIlEoRr;OIl ERP.C1ED the tAItArn half of 8 double tW9 Il('ld ot1e-h81f ~tory brlC'kd1oltlli"8
whkh hw\ the lllldH'\\Il(.. ... .... 8'f2...BQlIlli!.t .AvfUIlJe f L~moyne" PA .1/043. .
\51""1
l"ll,orwy Adtlr('u");
PtnR'lh.nla ."
IC'I.'
11'1l'(~~I""
Tor;UIIlR Willi .11 tht. inlr'o~tnlfnh nnw Of huunu trr<:lrd nil Ihe rrnrt'lly. "lid nil tiN'lIIt'III". 1I,.lIh.
ANIUrltnath.t\. r('Oll. rny.hin. mintllll, oilonl' In 'i,hh "mt rlOAh. .....Iff flKhl\ '11ft ~'n~'k alld ;"1 fhlUlt\ 111I"'" I"
htlU(ltr. r.lI' nflht 1'1ol'elly All ItrbcClIltlll\ a,,'" Idtlllinn, \h:lll.1'obt cO\Utd by Illl\ ShUfll)' 111\lrll/llClll ^lIl,rlhe
(orr,OIo, 1\ r('(crmllo in Ihh Stt'lJlily I"\!rumf'" ii' Ihr "Prnflt"ty,"
nOARfJWrR COVENA.NH lhll Onrrov.cI it la\\(ully ,~i'('11 o( lhr tsr.alt htfl'hy l'Oh\t)'td .nd hl~ Ihl! ri,hl In
nlt"t;.,t. 1111'11 And C'l1h~C'y thc I'rurrrty IlId lhlll IhC' Ilrurclly " ull\'fh;lIt1lllc,(.d. ,'x(er' (III "I'lUmb,"mC'\ ,.( ,nl.,d
nf'll'OIlo,et w,ullnl\ anJ "Ill dtftntllcnCIIII)' Ihe lille 1(llhc l'lortlly ll~alll\1 111 d.ailll\ IIllli df""llUh, \uhjt..:l 1(1''')'
tfICUIIII)fAnCf.\O(ftcold
TIlI\ SrcIJRIf'f' IN'IFtl'''-lUH t'Clnlblnn unlfornl tn~tnllnh (01 n"lit.n,,' \1" .nri Ilf)l\'llni(ornl C'O\CnM,r, ..ilh
lllllllfd 'fQflaIIOn\hy jUli\<l!cllon IOcon\lilulr.1\ uniform ~('(urilr 1II\Irllll1cnl cmtlltlt Itnl flll'J1trr)'.
PCNNSYlVANIA_li'''I!' r.mol,-JNMAI1I1lMC UNlronM IN\TRUM(NT
Fa,," ]0)1 n/u
EXHIBIT A
1.,'1" ';1:1\ i'" 1:,1
11"'11'1101 M ('11\ I 14 '~j I' 1I,I,nl\\I'r JIIIII \ lilli', 1,'1 "lIanl .11111 "~"\'''~ l'lll,,,~,
I. 1"Jmt'nt n' Illindp~l.nd 'nlrrUI; l'r'p')lrllnllnd 1.11, ('hItHr.. 11'11'11\41'1 ,hlllll\(lIIIII'II) 1';1\ l'IlI'IlIJUl"
Ihl' (llinnp,lluf !till! illll~I(\llItllhl' debl C\iIICIIl'fd h)' Iht N(\Ir II lit! ~11) ptq''')lIltlll .lId !:lIe lll,Uil"\llllC uudrr Iht Nult'
J. rundl for 1..,. Ind In.uuner. Suhjrcllll "rpl11 ;I111r IIW llf In.1 \\ ,il I'll \\ it II I" II, 1I'IIlkr, 111'1 'III\CI ,h,11I P,I)
In lrndulllllht' rllY fnonthly rnYlllrnh Mr dur lIUd~1 lilt Nlllr, llllhllht Nil" 1\ 11.lId 111 full, II \um fTlllllh") "IIlld 111
nlLt,!\\rlhh 11(: III) )I'iuly IHc' UHI ""C"lIIcnh \lolmh Illll)' !lll.lIll (lIlnlil) flHI 11,i\ I\,'nuil) 1I1,IIlIIlItlll lhl \t.,ul,
It,Ul'hul,1 rll~ml'l\h 111 ~'Olllld Itn" till th, 11'''l'fll), II an). III ~...II'l' '1.'.111' !'l1UllUl\t PI'"11lllll\ ,'11111111 Hul)
mllllt,!llr UhulOncr ('trIllIUIIl\, II All). Th"t II,m, IHI'I16IIt'd ""'1lI11 IIt'1I1\' I rn,ltr II10y r'llnmlt lilt rUlld\ c111' 11111h,
hll\hllfUJlll'ulllnlllAnrJ h..HUllUt>lflt\timnlhlll rUII'II'I'\llll\\ Itrlm
The I'und\ ,1'1111 hI! IlrllJ in Il1ln\tiluti(llllht Iltrmil\ P' litrlllllll\ ul \\hll.h ulr lll'UH'111ll JUJllllllwJ It)' n frlJrHlII\1
"lit "lime) Ilndudlll,l.tl\drr if "t/ldtr" IUl'h In In"illlllllllll ,,,der ,hilll AI'I.I) Ill, FUIII" I" pay Ih~ "UII\\ 1l'1II~
I"odtr mly 11"1 rha"<,, flH h{'lldln. lilltl Irrl}\II' Iht I'und\. Inll)JIIlllhr 1('('I'unl nr ...rllr)llI' Iht' ,,\"o\\' illm.. IInl",
I ,ndn rlY' O/lrtn\l.U inl"nl On lilt (-'ulul, anft Il'rliuhlt IIW pIllnll\ 1.lud'r I{'I nllkr \lIth IIl'hl\"t, U""II\lolr AlIfl
Itl\du ",:I)' ;181ft' III w,ilinJ Ihll illlrrut \hllll-r I'll It! nil Iht ftlnth, ll/lltU In ""trml'nl i. mlrl. or Irl\htnblr I.m
rtllullU 1"I"c\1 10 h, r.ld, ttnd" dllllnol b,' r'fjuiltd In rA)' nn"o~rr 1I11y Inl"r\l (If urUln,. (llllht rundl t,nlttr
.hllll ~I\t 10 110110'1\ ", >>iJ1l1lU/ chblxr. an JllnuJI QCl'UUl1lina l\( Ih~ fltlhl\ \hl1" ill_l'ltllll\ lllullltllll' 11IIht FUIIII\ IIlId .hr
I'urm\l Illr whit-II 1'.1'11 t.!tbllln Iht hind, \\1\ m~dt Tht FlIl1Ih Ilr rltdattli" nltdlliolllll \teulilY ({I' Iht ~un\\\tcuml b)
IhilStellril)"U\lrUmtlll,
Jrlht' Rl1lnulll of the fund. held 11) I.cndrr, 101'1111.'1 "'illl lh, (ururt OIonllll) rlymtn" nt runt.!, p:l)III'lt r,iOI In
Ihl duc dill'''' ..(Ih,. t\4W.... ilrm., ,hili r.cnd thr Inlollllllrquirtd In S'.Y Iht ,,('row IltOll ....hrll dut.lllt e,\n\\ \hall he.
II OOI",",r'\ ur11lln, clIhrr rtonll'lly ftpald lu n(lIIO~tI 01 HtdUtl1III IInrrowl"f (\11 rnnntL:). ril)"h'll" lIt hII1J" If Iht
"/llOUnl of Ihc Fuud",hrld tl) Irlldl,t i\ nul \uftinrlllln I''') Iht ,,('row iltlll' \\h'lI dul'. nn""wu \h:.1l (\.Iy In ltlldu lUI)'
ilmllullllleC~"Jr) III nllike ur lilt' drt\dtncy ill one III morc plIYlncnh "S 'tt(uirtrl by l_flIdl'I
lIrllll rll)nh'1I1 ill (Ullll( nil \Unl' \""rl.'d hy Ihi\ !ii,.:urily Ill\lflllll(III, I.tlldt'l \lullI plt\lIIrtl) IdumJ In Ilnllll"'''
Ull) ruml, hdJ hy l.l.'llikr I(UIllh', f';If,ll!lilph II) 1III'I'III,,,,'rl)' i\ \11111 III 11l.I"irt'd h) I.t'lltl~'" ll'IlJN \11..1111111'1)'. l1ul"ll"
Ih.1\1 itllllleJluld) rliur Illlhl.' \lIlc l,t Ihe J'wpt'II)' or Ih al.:.llli"Il.1tI by '-",dtr, all) runl!\ hrld b) I,tmlcr Illh\' 111M or
Irt1htlli(l1l 11\ a C'Cthlllaill\llhr 'um, ,ccuu'd I1}'thi\SrcUlily In"fumrnl.
3. Appllullon nr rl)mrnll, Unllm 8rrlir~blf' law rlO\'ldf's othrrwi,e, aU p~Ynll!nlS rneived by
I.tlHkr IImlcr pllragn1Il!1:. 11IlllI 2 should he ;tl'l'lh:d: flnl 10 :1111011111' p:I~U"ll'lllltll'll'i1I.lgt:lllh 2;sn:ond III
illlt'ftU; ludlnt 10 princlplIl.
4, ChlrAnj Utn" nnTlO"'cr \hlll ra)' nIlIUr\. lI'U\\lIItI1U, charlf:t'\, tilln and Ihlll('I\ilitlO, lllull1l1t~l1lt 10 Iht
rf(\I'Wy which ",II)' IlIlIin p,ioril}' n\tr Ihi\ Steurhv In'lturlltnl, ;lud Ir'.uhold pl)'mtll" nt Slountl lt'lIU, i( all)',
Do",)\\,t, \h.lI pay Ihut' C1bliII\1l0n' in Iht manner r"n"id,d ill r11A1llph 1, Of Unol rllid in Ihat mllnnu, narro"t'r ,hllll
N) Ihtm on limt dlrtell)' 10 Itlt r~noll C\\lotli rl)'1I1rnl,lInfln..-.tr .hlll rlnmpll)' furnish 10 lfndfr All nnli,u t'r 11II0UIl"
In ~ ~id ""drr Ihl\ rllrllllAph, II nlJlro..rr m.~t'\ Ihnt p"ymUIII dirr'lly, Dorro\,ur Ih.1I rrflmrll) (uIlIi\h tn Lrlldrr
'retipl\ tvidrndn,lhc r:Jymcnl\.
Oono",'r ,hili rlonlplly dl\t:hlflt 11lI)' hrn ",hidl hI' rUil.rit). 0\(1 Ihi, SrcUlily Imlruhlrlll ul1lc\S lIuTlowu' In)
"rrn in ""illn, to Ihr pl}'mrnl nrlhr ohli,llion \~(U"rl tI)' tht Iftn in 1 nUnn" aectrlablt 1(\ ll'nrlrr. ell) ('olllc'" ill ,000
blth Iht litll by.lIr drtrndl JlIl,in'l rnfarCtmrnl (lrlh" Ii,nln.lf'lll rrnue,1illl' _hleh in Ih, lrndu', (\pinion (lrCflUt 10
r'f\tflllhr ellforetmrnl nr Iht lito nl (mfeiulrt nt IUY rnll o(th,. l'I{'IIIfIl)'; t\r te) 'feurr,' (Inlllll1t hol11e, nl Ihl' lirll Jln
111t'rmtnl tlli\to.dory 10 Lender luholdinlllnllhr Ill' 0 Illlhi, Sr['ulily 1n\ltul"I1tnl. H Lrlldrr drlUm;nl'\ Ih3111ll) rillt of
Ihe rra~IIY " luhjtCI In a lirn which m:\y IIl1ain p,iorily O"'H Ihi, Stclllil)' Inl!rum,nl, lfndu 1M) "i\'t lIurro\lttr a
M1Il.t idO!IIII(ylnllhe liell Oorrolltf ,hall Ulisf) Iht h,n (\f I".t (lnt O~ more or Iht Iclion, \tl (orth lll'll\'( \\ilhin 10 day'
oflht,i\<in'(lfllOlicl",
5. tI.'A,d In,urlnn. IIf:1rro\\rr ~hall htp Ih, imrrovtOltnh now ulilin, or h"r;,hrr trteltd fin Ihe rwr~rly
!n\llfed ',lin\llou by nft. hlllll,11 lnclurlrd wilhin Ihe Iff", ",.lfn,lrd ['n...rfllt" Ind In)' alhu hl,."h(or .,..!liclt trlldu
rrquhn in'uunt't 1hl. in\tllllnt'f ,hili ht malnl.in'lt In lht" .mounl' Ind f(lf Iht reriod, thllt lfndu rt'quirts, The
il"uranet' l'arri"IHO\idinJl Iht ill"".nct ,hall be chOl,n tly nnuo...tr suhjtCIIO I.tllrter'~ Rrr'('lv.1 "'hieh Ihallllot bf
Unlfl\~l.Il;lhl)' \lillhhtld
^II in\ul1llh't ftc,lil'i\~ anrt Itllt\\ol, ,h411 ht p,'urlllhlt III lclldtr IIlld ,h31111lt'!urtt. '1l\ud;HtI h1ofl,.p;r "lIu~e,
l.fllrta ,hllllllll\~ Ih(' Ii,hl hllulhl the J'Iflliclt, 1I11d rtnr~lll. If lrlldrr rl"llllll(". 1I.ltrnwtr ,hl\l1l'rl1mplly JI\C 10 1 ('nder
nil h-u'lph III p,lllll'h'nuIllll' illltl rOle\\al ntlli\'l'~ 1111111' t'\,cHlIII 10\\, lI11fllll\l'l ,h04l1l!i\r Illnntllll\lllkc 111111(' IlI\UliUll't
l'illlit'r .1l1l11l'IIt1a I tlIdcr nla)' IllI.l~C I'fl"lrnrl,"'lflllll tlllllk rflllllrll> hy 1100rlll\rr
Unlt\I lfudl'f dlld Iklflu\\tf lIth~rwi,~ a.rrt in ll'lllillll. imUIIIIll"t fIIOl.'l"C'd\ \hAII b, arrhrd 1(\ '1'\lomliull or (['rlir
orlhe f"(IJ'o'rl) dilm.,crf, if Ihl' rr\l~(..,ion nr rrrair is tl'nnomirlll)' (u\lhlt 'lId trntl,,', 'temlt) il 11011t'\'t'ord, If thr
'''llIlIIllon nr 'trair is nOI t('nnnml(l.Il1y (t"llllr nl lrndI'J" Irt'lJlil)' "(lulfi ht It\""'lf. Iht In\lHlnet' rrnrrrlh dIIUl,t'
Ilrrlil'\1 hI Ill\.' \lInl\ ,,<\'tunl h)' lhi, S\.'~'uluy 11""lImcnl. \I"t,,'lh('r III Ilullhcn dUl', "'llh IIllY 1't(('\'1 (';lld In nllrro....tl. If
1111111I\\1.:1 i1hawl"ll\ 111\, 1'!lIIll'II). III III....., Ihll ,111'\\1'1 ""hill _'0 tl.l)' a IhllIH' (111111 1,1'IlJr' Ihal Ihl' ill\1I1illlu'l'Illtil'r II;,..
Orrl'h'..J Il) arlllt :lll3lnl.lhtlll.ttlller may Wlll'lllht in"mut\.t rJlI\'nd, ttntJ" nlilY \l\f Ihe rrOl.'cr{h lit rrpuir or Ir\IOff
I}lt 1'lllJWII)' Of It) (',l) '1um\ \tl.'uft'd tly Ihi, Sr(uril) !ll\lrunlrlll. ..hfthrlllr nnlllltll duc TIl(' 30 dity Il\'rioo "'III bC'lin
\lolltnlhelllllkri\li~tl1
Unlr" lrlllltt Illld Iltlll(l\lorr olhrr'o\l\I IIICtt In.... lillllll. Iny 'rplit-al;C>ll of rroCftdl In rllillrir.ll sh,lllnol tlltfld or
rfhlrnne Ihedllt' dAlt urlhe nwnlkl)' rJYlflrnU Ittclltd 10 In rl1lagrJr!" 13Ud 1 (If ('hllr1t-1: Itlt Imollnl 01111(' r:l)rnelll., Ir
lIndt'r rl1rlllUrh IQ Iht rlC'rtU) i\ lIequirtd h) t,"dcr.l1ollm\,,', rlp:hllo nil)' in,lUillUt pnlidulllld llrOI:r~lh rnullilll
rrom ".I1U,t 10 Ihl! .'rOI\I'II)' r,inr In lilt' leqUldl!nn ,hall p'" loltnd" 10 Iht tlltnl orlhr ,umlltrurrd b).thi, Stc\lril,
Ill\llIlnll'nl imrnrdllltly rtlnf 10 lilt' Irqui\illoll
6. (",nuutlon and ~talnltnlnteOr r'Oll"IJI1.unhnllh, ROHO~" \hAlI not dnlro)', cl:lIl1.&tor \utull1nlillly
eh:lnJ:t Ihr Ilrf'('(rt). allow Ihe Ilrn(\t'fty 10 drlf'liOllltt or \'(Immil "1,1t', If Ihi, StlUlily In\lrUmrlll 1\ un 11 Irll\rhold,
nnrw"'l"1 \hall Hlml\l) willi Iht' pro\"hlllll' II( Ihe l(,;l\c.lIlItlIf 1!(lIIllWt, ul'fluirr' (u lillt' It) lilt' II,o~fly, Ihe IriuchohlllltJ
((,t' lillt ,hllU lInlllltrlf unlr\\ t,ndtr .@rrnlnlhl'merltrln...rillllp;.
7. rtlltfC'llon of lfndu', R1ahlt In Ihl' rf(\pIf'n ~'OrlIIR' In."rlnet'. I( norrnwtr (lIil\ 111 f't,rornl Iht'
(oun",," Inrl'gh.t'mcnlt t:C\nllinfI1 in Ihi\ ~t(uril)' In'lrumtnl, or It!(rt i. Ilrl!.ll f\lo\'ttdinglh:u mlY \i'lllnraully ,fftel
I.tnft,,', fl,h" III lilt' II,nrfll)' (such 11\ I fHI\Ctrdinp: ill hall~fupICY, rlC'tlAlt. (or enndrnHlllinn or 10 rnto,er Ia~', Or
ff,ul.1llnll\),lhrn lrnfttr lIl.y do.nd rl)' (or" h:llh'tr j, IIrer''''') In rrolt'ellhl! \'Ilur I1f lilt' rrorrrly Ind I tndu', rlahl\
IIIlh(' 11"'1''1:11)' l':lld\.'r', :1\'111\11\ lllilY indlltlc IlJ)illM ;1IIY '1Il1l1 'U'rlllfd ~y IIlltll ...Illl'h 1III'I'liofit)' mtr Ihl, Se",'ull1)'
In'Uumtnl, nrr<1I1in. in COll'l, rll)'in, ruvlllabl, IlImnr)\' ftU IInrl tlllt'rin. olllhe il,nrellY ID ml1.e ftto.lr. Ahhou.h
l.rndtr mol} IlIle 'I\'lh'n unlitr thl\rsrlllrllrh 7, I tltrfl'l ti'lr. nnl h.\r Inrtn",
All) UI'Hlvnh dnhurud b),tendrt ufu)l'r thi, r~lIlfll11111 shill "'\I'OIt I,idlliflllll el,"1 OlnMh)l\C'r\C\'ult'd h}'lhlt
~rculll)' lu.uuml'lIt Unl", lI(lrlo..'tr Iud I.'ndrt I"rf 10 nlh" Irrnl\ Cltr;l)hltlll.lhnr IlnOUllh "..11 tlfar lIltrlt" f,ont
1ft, li;1lt' Ilf dl~t>ur'tOlrlll III thf Nnl\' r,'I,' ;11l~1 \hJlllk' I'Jynhlt', \l.llh iUlttt'l. urnn IInlicr hl'lnl ltlldcr In lIoflO"'tt
"'1lh.,'in,l t'(1)'l\lrnl.
~",n,i I ill fil.l 1;':)
IIl.,nrltr rr'luirtd morl..,t lfl\ur.nrt ., . (f'lndlllun n( nJ.1tlnlllh, 1(1'" swued hy Ihl' S('l'luiI)' In"fUnlrlll,
hlluOI'lr .h,,1I r')' Ih, rremium, tcqui,ed In mllinlaln Ihe Intur.,,,.t In rft'rll unlilslIrh Iln,r., Iht rtqllllrl1lenl f('l( Ih.
inlunnr, I'flllin"n illlreordAllcr wilh Ollrrf'l~tr's .nd Lrndf!I" ...rlll," ,.,rrmrlllll' 'rllhc.Mr I.w
II, IntptC'llon, Lrndtr Or ih .,tnl MI'y In... ftuon:.hl, tntrlrt uron ,nt' In'rrrl'lln' elr Iht IJrOrttl) I C'ndrr
sh.1l <<he DouoYwrr IINltt., the Ilmt o( or rrlor 10 In In'pcclion 'J'lfci()'ln. rn'on~h1r flU" (or Ihe '"'phllml.
9, Cond,mn.llon. Tht rrocud, or .n)' 11I.lrd or cbhn fen dllma,cs, dilt<'1 or cml\tl)Urnlid, In c('Inll"II(on Yo Ith
.ny ('('Ind,rnnAllon or olh" II~ill' or In)' part or Iht l'rnrtlly, or ((1r COII\lr)'.tlct In Ii... ('If cllnll,ulIIIUon, are hC'rrb)'
...l,ncd .nd Ihlll be plid 10 I ruder,
In Ihr C~tlllllr. 1(l1.11.1In, or Ihl' r,ftf'('r1)', Ihc flfOl.'wh dl311 b, apf'litd 10 Iht '\Jnu StCUrci! h)' 11m ~t,ullI)'
In'trumml, v.hclhrr or notlhtn dur. willi .n)' U("t'" plld In nnuowrr, In the runt 01, parlillll.1illl n( Iht' l'rnr"ly,
UllltlS borrmur and t.tndtr olhrr""ile ',rn in Yo lill"" Iht IUln\ -tcurC'II." Ihi, Strurily 11I\lfUlI""1 Ihall ~c frducrd hy
tht .mollnl of lilt: r,ocetd, multiplitd b)' tlit rollu\\ln, rlll'lInn' (II) lht Inl,,1 Imolll11 or Iht IUlIIt Iftured illlllltdi,'tly
bdort Ihe ukin8, t11~ldtd by (b) the r.lt mllkel ....Iue or Ille l'roJ'frly ImOltdllltJ)' bfrort Ihr IA.illl. ^ny b.,I,lI1CC ,hnll be
J!.id 10 O""OYo'ft,
Ulhe rrortrl)' i, Ihlndonrd by Oono".", I'lf i(, .Off nolie't by (.rndrr 10 Untl"'-tf Ih:&llhe cOlldcmnnr C\lTrnlo
mlkt In ,wllrd or \tllle. c1llm (or d.m.,r', RorfCI." (Ilill In Ir'rond In I cndrr ...lthlll ,10 dn)" aOn 11Il' d;.lr Ih" U"lil'C'"
,1\['11, b:utJl" illllllhnri/rd h)l'llIl~'I.nd IIpply Illr PIlll:l'1,'\J" ullh llfilllllI, dlha III '~\lllIlIlhllllll h'P;li, llrlltc Ilrlll'l',ly II'
IOlheaum.ltcurrd b)' Ihl, Srcurlly I"ilrume/II, whtlht'f or nnllhrnl'uc,
Unle" ttnder .nd DorrOWttOlherwilt 'I,re in wrllln,..n)' IpJlliralion orprocttdslo rrindr31~hllllll01 c_lflld or
pltlronc Ihe dut dlle orlhe manlhly rl)'mtnh ,,(.,rrd 10 In rara~rtlrhs I Ind l Of chinle ,!It i1nlOunl nr~lIl"h rl1)'l11tnll
10, 1I0rro"" Nor Rtlutfd; f.'o,b"'lI'lcr "y l,fl'ldrr Nol . WIIUt, F.Urll\lII11 Ilr llll' liOll' rll, t',I)llll'nt II'
moditlcalinn nr Irnnlli13llnn or Ih~ ~um' 'C'l'urtd hy 11m St~ll,il)' ImlfUnl\~1I1 arJllled by lmJC', 111 illl) ~lIl'l""'otlr in
inlttt'l or lJor,owtr Ih.1I nol (lJ"tf,'e In feltne Iht liahilil)' or Ihe oli,Jnll1 Uorro\l,'l'f IIr norro\l,.t"r', 'lI~'l'C~ICI" in 1II1':'c'I,
lfl1du ,h,lIl1ol hr rrquired 10 commence rrOCtC'dilll" 'SAirnl In)' '''CC'\lO' In Inl~'r'l or rdu~e In ulrnd 'illl[' (1If
plyment or olhcr....he mooir)' Imorliulhm o( Ihr' 'urn, 'ecl/lrd hy Ihis StrUrll)' In\"lIlllrnl h)' rusnn or Ill) dtnl;U1d m..dt
by IhfOrlsln.! o.lIro\l.rr or nClI,n"'tt', SlICl'U'nr, III intunl, Any ror~3rlnCf' b)' I.r'rldu in utrdd"l AII)',i,hl Clr rClllrll)'
,haU nollle I "'Ahf'l 0(01 rrreludr Ih, e",rllr fir .n)' rlchl Clr rtlutdy,
II, SlIcunou .nd """1"1 Dound; JoInt .nd S,urll r.r.bllll): Co..fantn, The em'cnlnl. and Illrrtmtnl\ nr
lhi, SfClIrll, IIlJlrlll11rnllh311 tllnd Ilnd l-rnrfll 'ht lurcrnOf' IInd ."i,ns or lrndtf Iud nnrrCl...tr, luhJrC'llo lI.r prmill('lm
or rar.,.""h 11, nOllow,,', rO~tnal1U IInd 1I1'rtllltllll,hall he jolnl IlId ~e' rral, An)' Rouo..." Ywha Co.~ilnl .his Stl'Ulil)'
fntlrul1ltlll hul ell", nol urcult tht NOI,: (I) i, cn,18n;n, Ihit Srcurily Illmumtnl ol1ly 10 ,"Orl'JIl~t, 8fl1111lUld corne)
Ihal nllrrU~tr', inlt"" In Iht Prnp"l)' undu lilt twn' or Ihh Security lratrumrlll; Ct.) I, nnll'ff\('II1Ally nhhel1leclln r:l)'
the 'um. ICClIItd hy thl, Srculily InUrUmtnl; and Cc) I~rft" Ihllltndtr JIlnd Iny oth" 80rro...,r m:\)' Igftr In tXltnct,
modlry. rlllll('Jr or nu~(' OIl)' llCl"llInmoonliClII' with rt,ard In Ihe Itrlll' fir l',il SrCIJIlI)' In'tr\l'lItlll fir the Nole "ilhout
IhallllJrl\llItr'.t.nll't'1I1
U. (,1'1"" r.h"rKn. Irlllt' lo~n \tcurrd by I'li, :t)t'curlly ""lrunlt'llll\ \uhj\"d tn II:I\(, \l.llIeh 'c''',llIiUiIrHlln In311
thUll". 'nll ,hal 1ft"' i, rillall)' inlcrpreltd 10 Ihal Ihr IIlltrt\1 lIr nthu lOA" cha'I" l'nllC'rltd 1lI 10 t.t' colleCltd In
cOlln('clioll wilh Iht Icoal1 t\l:ud Ihe rrrmillrd limiu, Ihell' (1I)lny luch In:lII l,h.r,:r ..h,,1I be rrducl'd t.)' Ihr Dlllnunl
nrcr\,",y Itl h'dl1".t Ihc choUse 10 the ptrl1,illrd limil: 'lId (h) 011)' 'IIm\ "fftlld)' cnllrclttJ hllm rtOffO\l,Cf whiC'h ~'crtdtd
r<'llnilleJ lhnil\ \1",11 ~ ,erundrd tuUmr",,".tr lcndcr IIIW d'M\e In ,"~k(' lhl\ re(ulld by rcdu'illllhe rrlncip;\1 O"rd
undtt Iht Noleor by nUlkilll1l dlftC'1 pl1)'mtut 10 UOfrnv.rr Jr. ,rruud reduct. PI'ncirOlI,lhe rtdutlinn v..i11 ~ IWllcd...
rllllal rrrf\l)"mCIII whhnulln)' Pftrl,mtnl ch,r"e undrr Ihr N(llt
13, bllllllllon MTrcllng l.rnl1(','. RIRhft, Ir tnlrlnltnl nr t"pillllon (1r nl'flh,at.le Ill"" h,\ lhr C'lfrel nr
rrndrrinll: In)' prm.j'ipn flr Ihr NOlt I'lf Ihi, Securll)' In~lrullu.'nl ulltnrnrCf:l~lt IIt'cnrciilllllo ii' Itrm', lfndtr, 0111\ (lplion,
In,l)' rl'quill' illlll1l.'1ltak l'il)Rll"11 in rUllllr all 'lint. \C1'lIIl,.1 It)' 1111\ ~l'1,'urily III'lfllllll'1I1 ;111I1111;1~ '"\lIl" ;'I1~ rclllulir\
r~.'rl1ljllcJ by l,,"uPlflll,h III, Irh'Il\Jt'rl."ll.'rd\l'~ Ihi\ Ul'linll,l.entll'r 'halllal.l.' "I~' \11'1'\ 'rnilil.'cl illlhc "cl'I1llll,\It.ll!r,ll'h t1r
flall,rllp" 11,
14, Nollcft, Any nolice 10 OlJrto\l.'rrrro\oidefl for inlhi, Srcfllily 11I\ltumenr ,llall br 8i\otn by drhltrlll' il,lr 11)'
m,'lilin, II Ii)" (ir\1 dil\, Ilull unln, "rrlkuhlr law rcqUIIC' U't or ~lInlhcr mClhfld Thl' II/I,.\-t Ihilll he t1irn'h'd It, Ihe
Propcr,)' "ddr.:\\ IIr 011)' nlhrr ,ddrc'IUuuou,orr d,',iJ:II:1IM hy Ilfllke IlIl.rnlkr_ ^1\)'1I111IH III '-"llIll" .1);111 h!.' j:ill'lI h)'
fi", c1;t\, '":III III l,cIlIll.'r\ "dd't~' '1IIIrt! her('in Nail) nllll'r lIddrl.'" I.clutt'r dC~'rll.lh'. by 1In1il'.: ',llIorrll\\l" AII)'lIl1li~'"
r1o\'idtd (or in Ihil StcurilY Jnsllllmrnl ,hili br drUlwJ 10 hil'p t.WI gl\cl1ll1lJn"fl~cr I1r lrnJtr wht'lI &1\'('11 u, rll1\ldl'J
In Ihis ralagr:lrh
I!, Gmcrnlnl r..ltj StUflblllly. Thi, 5tcU,II)" In~lrUrt1tnl ,hllll br go...t'tIIcd~)' rtdrfftllftw IInd Ih~ 1J\l I,r Iht
ju,l,dlclioll in which Ihe I'r('lprrl)' it J('ICllcd, In Iht rvtllllhat Iny rrovi'ion or d.u'r nr Ihi, StCl,.lrll)' hnltullltlll (Ir Iht
NOle conniCh wilh Aprlle.blt Inw, 'uclI connlcllhall nllllltftCl olhrr rr(1\li~;oIlS "(Ihi, Strurily """lImenl or Iht Nt11C'
"hieh call be liven fITtCI Wllhollllhe eonnklln, rro\hlOn Tn Ihi, end Ih, r,,,..hion, (I( Ihl, Srcuril). IIlII'Unltlllalld Ih,
NOle .rr dtclartlJ III tit 't\ t"hII'.
16, Uorro_u', Cnp)'. Dorfowtr ,h. II br ,hen onr conformcd COr)' or lht Nl'lt Iud o( Ihl' Srfu,ily 1I""Ull1tlll.
11. luos(,., nr Ihe rropr,ty nr I O.nrRclllllntrrrst In nOHO_", If III or any rnll nf Ihe Plllrt'rly (If Dn)'
hlltrtU in ill, Inlr:l or I'an~r('rrcd(nr ir. bcntncill inll'fC'\1 in nnrtowrr i"ol,' or Itlln,rtrrt'd Inti nUrtll...rr j\ nNIt ""'"rnl
1lt'''01l) "ilf1tl\lllcudtt'" prinr ~rilltn cnll~t:'nl. lcndrr l'lI"y, III i,.Oplhtn, ,equire inlllltt.li,uC' r")nltlll ill rullllr ;IU'UIlI'
Itcurcd b) Ihi\ Stcurh)" In'!rurt1('1I1 lIo\\('\'rr, lhl, nrlinll ,llilUMI ht' tlcrC'htd b)' I..tlldrr Ir r..crcile j\ flfCllllhlltll h)'
rtdrr"lllw DI ur Ih, d"'r Orlhi\ Secufil)' In,ltuflItnl
rr ltl1llu clerci~CIIIIl\ "rllnn, I"oci" ,hilllai....e IIllffnv." IInliCt Clr tlCrdl"lIlif'n 1 he l,nIICC' ,hnll r,m ill~ II rrri..d
"r OOllr"III:l1I .10 dol)" r'ol11ll1r d.lllt lht 1101lC(' il dC'livC',('d m 1I1;111cII v..ilhin whilh "n"n....rr nltl\II'.I)' nil \UI1l\ ~lcurcd hy
lhi, S('clltil.' 'n,'rumrlll, H (Jornl""rr ',11, In PllY Iht~e lum' I'"m 10 Iht e'flUlllh1o orlbl' rr,itllJ, lC'lIdrr mOl) ill\n., Rn)'
rtlOtcii" rtrOlillrtJ hy Ihil SeC'lUllY In~lrumtnl wilh"UI rUrlhrr nollct or cit0l311d r'lI IInrrlJlIorr
III, norroltu'. HI.hlln Rtloflllr. Ir Om",..." ,"C'tll ,rUlIl" wlldihnn\, IInrrowC'1 \Imll hInt.' Illc lialtltll h3\t
tllrnrrrmtnlOrllm Sc('urll)' In'lruMlrnl dilcnnlinurct ".n)' lilllt J1rior IOlht nrlirr nr h) ~ dJ)\ (Ilr \uch 1!l1i.;'. r"trlN n,
a[lflljc.llble bw m.'l)' "prciry rnr rrill\lllltMltnl) ..dolt \ul. III lhe PrOl"-'flY rU1'ualll 'n 011)' rn'4l'r (1( ,.It l"lll1lilllh',lul 1M.
Sf.'curJl). In,,rullh'llI, "' Ih) rlllr) nr "Judgm(,1l1 rn(lIfdng lhi~ SCl:utlly IUllfUI11f.'111. Thmc Wlldlll'lfl' nfl' Ihnt 1111"11\\ rr,
II) r")'\ tcnder 1111 \tlnI\ \\hll'h rhen "llllld he Jill.' lIlI/h'r 11* l:i~'l'Iull)' In'lrumclIl ;lIIlllh~' .NIII\" had 1111 ;ll'~'l'k',11l111l
occulrtd, (b) turn an)' dt'rauh or 1I1IY olhu cOHn:.n" or .gr('fllh'lIh; (e) I'll).' ulll.'~I\t:II~C\ IlllurrctJ in I,'lIrmCIIlIIIII\
Srcuril)' In'lrllm('nl. Indudilll, hut IInl hmfltd 10, rf'lnonable IlImntys' (re" .nd (d) I.h~ \uch lIellf)11 3\ I.tmlrr 1'113)'
rr",onaMy "(Iuilt 11'1 .nurr 'hllllht liro flr Ihi\ StC'Ufil)' Ir'l\trilmcnl, ltmfrr', f1~h" III .ht rrlll'Crly Ind IInffnMr',
ohli"lin.. In 1")' Iht' _Unit "rllltd b)' Ihi, !ir(Uflly In~lrumC"1 ,h311 tnnlinue Ullchl!;IICtJ, Upon rrill\lilltl1ltlll by
OQ"o...'rr, Ihi, Srcuril)' 1I""lImenl :Jod rhe n~lj,.linn' ~cClutd ht'r.:hy ,h,11I ftm"i" rull)' dTC'l'till,';h Ir IHlllHrkralitlll h:1d
nrcuUtd,lIclIlntr,lhi, riahllO reillU3tr .tull nnlarrl.. illlht'c,Il't"lIr;llrdl'f;ltiun 1II11kr r:Ui'tr,'rh, I.' I't 17
f,IJ,,;rill fl,'of IJri
NIl,," Utili 11M.... ('1\" N"~'I' lhurl,\\t'r ,IIH! I flUhl IUflhrr ll\\fll,11I1 ,11111 "IJl\I' .1,1.01111\\\
IV, Ac-C('It~"lloo; Rloudl.., '_andu ,h.1I 11'1 oollu 10 lIorro",,, ",lIn' III .rrrlc-nllon lollu"ln~ nll"O""',
b,urh I'll .nr tu'u\'ol or IIKrn",.nlln Ihlt ~uuIII)' "I\ltUMCllllbul nnl ptlM IfI.retlu..llnn l"lllff PIlI'IV."ht I,' '0611
11111,,. 'J1pllulrlr I.", prn,ldu nthu"I.",. I.rndtl dl.1I nulll)' nU'rO"" '11, .IMnK nlhu Ihlnw,; h'llhc a!ff,wll; lbllll'
.rllon rrqullrd tu ['ulllhe /It'.ulli Ct) "htO Ih,. drhull mUll bt rurtd: lllld ldllh.l ,..lIllt.II, ru". II', dfhulI " 'ptflllrd
m.)' U'lllt In .urlrr.tl(.l" 0' Ihe tum, urur(l'l II) Ihlt Sl'eutll)' l"'llum,nl, 'u'Ulu'",. by Judlcl.1 Plurtt.UtlM .lId ..It 0'
lh, l'roprrlr,l,rndrr th.I1'urlhu Inlnrm lIolfCl"rr nflhr rlahlln 1r11l\lIlc llflrf .ccfltuUun ",d Ihl' rlllllllu Iltu'flln Ih,
routlo'Urt procndlnllh. non'nlthn,. 0" fhflUh 01 InY olher ti.rrn., 0' lIorroltrr to lrul"llIon .nd 'orrrlollu"II
Ihc drllulll, nnl CUrld It ,prrlntd.lrndu II III nplinn ma. rrqul,.. IIt1M.dllll. Pi) nltnll" rulllll 1111 ,umlll'rllfrd h) Ihlt
!\,curll)' In\tlume"l _Ilhuul (urlh" d,m,nlt Ind m..' 'ottrl"'fllhl' !\rrurll)' .,,"rumr"1 II) jtllllcl.II'lInrudlnl. hnlter
,hall br rnlllled to (nllrtl.II.."rn,..lorurrrd In 1I.,,.uln,'lIr umtdj", rrntldrd In Ihr. pllt:ll&ruph 'I), In(llIdllltl. bUI"1lI
limit,d 'o,llIl),n,),' 'U. IlId (OUl 0'1111(' uld.llu In Iht 'llfOl p..mllfrd 11)' .ppliublr l'lt,
ZO, tendtr In I'ullrnll)n, Urn" .n:r1rr&lhlll IIHl1'I p"'I"uph 19 flt tll\.1ndnlllll(nl nr Ih~' Ilrol'~'IIY. lrllJu IIlI
ptllM, h)' Ill'nlM by ju{hClJII~ arrnlnll'd ra.h,,) ,hall hi: .nllll,d II} .nln ut'l'n, Illkt rll"c\\illn fir ,11I.t nhlnllt Ih,
I'rflrerl) lllld Illl'oll'Cllhr r.nl, fir Ihe PfIl(l(fl)' lllt'luctin<< Ihou I'''U du. ^r~ frnlt cCllkrl,lI by ltlld~r /If 'h, rr~tl\Cr
.11,,11 b.: 1l1'1'lll'd '11\1 II' IUI}'lIlcnl or 111,. (1)\1\ or Illlllol,cm.'nl or Illr rtrlrtl1y And cnllh Ih'll l,f ttllh, IlIdulltllJ, 11\111101
hnlllrllln, rtrt:l\n\ rrn, rlrllllllm, on I'crl\('I', 1M'}nd, IOJ ftl"nllllhl. tllntn.),' r,.., IInd Iht" In Iht '\101\ \r~'ulf.J hy
Ihi'lSl.'l,.'lllll)' In,lflllllenl
11. Nrl,.... UpI\l1 r,l)'nh.'lll nf III \\'"1\ \1'~'lIrt'll b) Ihl\ Suullly 'n,humrlll, lrollu \hnll aJl\dUHIt' lhi, S~'t'uril)'
IU\IIum,:ul WilhulIl tlt;HII." III nlllh'~'t" 1I111f1l\l;t'r .11,,11 r,IY ,Iny Itl'luol,lIinn \'11\1\
U, Ntin".tC'mt"II'rrlfJd, "mlll'''''c', IlInt I., h'IU\I.I~ r'll\l.I~'d 111 rlHasril('h I~ \h.,Il....I~l\d t\lllll\ hvm 11IIlll In
IhfC\lllmlcll~.tmclll u(hltMlnll alll 'hl'rin'\ 'air nl ol!ltr ,:df rUrllJlnllo 11m St-~U,ily ImllUlntnl
13, Pllrrh.c~ Mnnt)' Mnflllat, Ir"u. orlh,(I'~1 'I:'(Ull'd h)'1111I ~f:'(uruy 'nillumt:nl" I~UlllllhIUlI\o\l'r Itl U{111lUt'
hlle Itllht, (11Of't"I)', lhl\ 5;CCllfll)'llhIfUnhnl \lIlllI t>c II rurdl.l\!,' ,"nlll:) 1I1L1l1~,I~C
Zt Inlu!"l Rllh' Afln ,ludw.mt'n1,lI,UIl''''11 ;l~Il'n II. 11111~'llIklnl r,lll' 1'.1~,lhl"llll\l ,lluLl~IlI~'1l1 h l'lllrl~'aJ I'ullll:
NIlIl'lU III ;lll,I~lillllllrnlnrlril~., l'lllrf,,'IIt\llh' \lIall"I' I Ill' ',Ih' I'a.llhll' 1"1"11I111111' 101111111' ll!llkr lhc N,'k
25, Rldu, Co IhilSl'Cllrlly In,I'Umtnl.lIl11ll' 01 morl' f1dt" ,III,,' ~"ct'uh'd IJ)' "'.l,w\\a unci h'\'llll,kl1 hllclht't \\1I1t
Ihl' Srcmil) hl\lrllnltl\I.lh~ W\.n:mh 1tlld ullrttn'Plll, (\(tul'h ,,,eh rilkr \11.,11 h~' ll\~lllrwlllU~'d IllIIlIUl.J ~h..II.Il11'llJ und
~urrlt'nll'nl Ihe l'lI\,llllllh allll lIttrr,"I,Hh d lhl' '\r":l1llty 1",1I11'lltlll 11\ If tlh' 1111\'1(\1 wcrt .. I'MI III Ihl\ S~'cutllr
11l\lrll",~lll [t'h...cL ,lflrlll":lhlt k'J),(r"ll
lxl AlIJu\hbll' Rail! ltuJrr
I ! C;"llht,lll',1 1';1)1111'111 Itid..:r
11 C"Mllonltl1ium Rilla
r-jIIIMHlt:ll lllll! 1l~'H'I"p'II~1I1
I 12.. 1-'1111111\ H,lIa
Millo
[] lJlh<l''i l'I""r,1
O\' ~IONINO IInllw. nOff(l~tr llrcrrl' tllld IB"" 10 .he h',nn '"tl ~'tI\(nunl' COllllllnCl1 III 1111\ Se~'urily
In'Uum~nl und in Iny ridtrh) Url:ulro ~y norto~rr and rKordtt.l ~ilh If.
Wllnrnn
.1ij(I1~'6~(;
Richl!trd S. 8Air
~ '72t-ftAf:/,. i ~UI ... (S..I)
Ha r y F.. t?a 1 r -&rlll...r
IS'If.ltI,.. fht, b't r., ,I.,b..I.II'''',..I! ______.__
I,
y>"
/ 1 C:l,.y
( .. {, tr'~,
.".r/,,\
...(S..I)
-'~'IOIl"
C0lfl10HWEALTII OF PENIISYLVANIA. ht.1n}iL1'.l.')"\J.-;
County 88:
On this, tho ~_ dRY of v1VftlA11,h~,,) ,19~. b.fore ..,
~at.lL)!.J!uhlic.. In ~~r thf' IIbov~ County and COl1ltTIon\luhh. the
undllt81aned officer, rUl!Ion811y .pJlvued -Rir.hauLS------.8alLl!ndJtaq_.t-.B.11r,jllw..-
kno\ln to ",c (or 8Aliohctortly proven) to be the
renons - whOSl! """'08 are l!!Iuhi!li,.db~,1 to the \lith In fnlilttument find 8cknClwledgrd
that they ._ executed the same for the purpouI harein contsi d.
IN WITNESS WIIEREOF, I her.unto .,t my, hand and 01 [,,1. ..'
My COl!llnhl!l1on Expires: "" f""rof~
. "-.. ''''~'''k..i
IloflllllihO
Tltl. of Oflle.r
certify that the Address of the
Hort8Age~ ,bovI.named Is
234 North Second Street
lIarr18burg. Penn"ylvAnla
SUIte of Pennty,....nll 1 58
CountY of Cumberland
RRCO,d,d In .h. oK". lOt .110 ,KOfll1ne of pMClt
"".In~d lOt C~b.rl.nd Counly. Po. '13-1'
"V7~ n k / ;.(';:>VOI ~ P.g.-
In C1.. ,,00 .L__ .
,,'''~S my hind .nd ,..1 oW:~. ff1
C."I.,.. P....~~I;:~ ,~lJlotlll ,,, 'u:t,
\ r....l.#....~ ,\ . ""A._./
---~,
lJ....u.r, ~q ..,.,~.<i0..1.~- __
Louts J. Adler, Mto n.y for Hortgag~e
';1;11 f.\
I:) ,.
AUJlJSTAULE /lATE /lJOER
III1S AUJUSJ'^ttll~ kAll! klDLK II lll.iJc 11111 ,,7t.h ,,' thy uf ...~!'CN.~R~!H.""""...........", 19.~.~.".,
And ,. I'UullJOllled InlO and ,h.1l bt dumtd 10 Illltl1J anJ ,ullJllcmCllllhc MOlle"t, U,clJ or ""UII, 01 Oed Iu
Stun. llebl (the "SC~UIlI)' IIIIU\I/IICIII'" of lhc ume Jilt II~Cll by I~ UflJcll~flCJ (Ihe "&rru..u") 10 lccure
&U"'''C1't AdJullILlc Mile NUle 10 " "...!_.~.~...!:'.w.~~,~.~.1.. .~~~~ r~!IS.~...~.':' .._,,~.~~P....~,~.~~J~.~.~.~!I. ?L..............."......
HAith lIrll · ~UlllullllJuil (I "L ' "I rll ., (h "N I "I' I h
...""..., ...,,,,,,,.RI.....,, .......1"....... """...........,.,....".. IIC Cflucr U It lime "IIC leu C '111,1 tOVel "II C
PlullCMy ,J'k:libcd In Iht SCLunl)llnllrulHCllI Ind l~jlcJ II.
" ................. ...ftU..>>.~R.lI':..A~~!.w~. .J!.~~Y\\~, rh......\.I.QH.............."...........,....,................",,,,...,.......
IfI'",,*t,Aiki'__'
Th. N... .....tln. 1>'0,I,lon. .no"lng lot Chong.. In .ho Inl"..IIII.. II th. Inl"..1 ",.
In.'....., tho Iof,..,,'. monthl, pe,m.nt. .I~ be high". II th. Inl"..1 III.
oMo'....., lho lorro.,,'. monthl, pe,m.n'. .111 be I..".
APDlflONAL CUlliNAN'. In .ddilllln tu Ibe connanllod .,rccmcnu made In the Security Inllrumenl. Bollower
,nd I.tndtl (unlltr ro~mnr Ind 12rU II (O"OWI~
A. INln~n IlAn; AND MON111l.Y PAI'M~NI UIAN~~S
lhe NOle provide. fot an iniliilIRlClCIIIIIC I)[ ...,....1.1\.. . ~ SCCllOII 4 ur the NUIC plO\'Jdu fur ,hlnln in the
inler'I' rile Ind Ihe mumhly p,l)lnCIlIl, it (UU,JI/lT
4. INTEU.n lUTE .fND MONlIIL r f.f rMlilVT t'II.fN(jli~'
(A) OI.nl' D.,u
The Intcl<<1I rile 1....i11 pol)' nll)l "hlO~C on .he ".......t~.L, '"'' da)' of ......"..."Oc.tQ!lu:...............".19ft:l".... Ind
on thl. day of the mOflth t\'cry ......12. .. 111011111, Ihc,...hcl Euh dlle on which my jnlth~t1I1IC clJuld eh..nc,
it Cllled . "Ch.Jlllc DiIC."
(BI llI. Iud..
Bellnnln, ""ilh the fh" Chlnae: nilt, my InltlUI Jlle "III be biucd on an "Indu." The: Iru'u j. the: weeUy
Inn" )'lelJ on UnheJ SltlCllr(oIUIIY le(urulCl aJJulleJ 10' c:onllanllllllutlly or ....".~~!."..."...... ~un. IS mlde
available by Ihe: Fclleul RucNc 00111.1, -rhe 1Il0U leunl IntJn neulc available II or 45 dlYI befure euh Chanle
O.le i. ulleJ the "Cu"e"1 IntJu."
If Ihc 'ndu II no I\JRaer Ivail.b1c, the NOle lIoklcr _ill choou . new Indu which il baled upon comp.rablc
",forlnldon. TIle NOlO ltoltJcr will Kive file nolit.e of iu chlJiu.
ICI C.I,.llno..1 Chlnl"
Befure each Chanlc 0.1(, thc NOle lIolder ...ill 'oIkulalc Ill)' new inlCltU ralc b)' Id~inc ....... ..............
.........tb.u;~:............."..,....". rerunl..c poinu (".,."..J".........!~) to the CUHcntlndu.' (Silt Lelou)
The NOI. Holder wllltheR delerllllne tho Imoulll of Ihe fllOUlhl)' pol)'mcllllhll wl,)ultJ be Iullh;ienllo repolY in full
the prtnc;ipall 1m upcued 10 owe on the Chanle O'le in lublllndlUy equal pa~menu by th. mllunlY tJale II my
new inter," 'IIC, lhe relull of Ibis calculalion ",ill be the new .mount u( my mLllllhly pa)'IlICI\I
(D) Uwh. DII. or 010'"
M)' new Inleltll rale will bet'Ome ctfccliv, on each Chln.e p.le, I will PlY Ihe amuunt ot m)' new monlhl)'
paymenl bt,lnnln. on Ihe tiru mombly plYJnent dlle aflu Ihe Chinle Djle unlil Ihe ."Iounl of III)' mom hi)'
paymenl chlniell,"in
(E) NOII".I Chao."
The NOle lIolder will mill or deliver 10 me . nOlice before u..h Chanle 0.11'. lhe notice WilllllvIIC me of;
(i) the new inlele$! !lI,le 011 lilY 10JR II Llt Ihe Chanae Lhte;
(ii) the ImOURI or III)' monthly paYlllellt fullo,,"in& Ihe (,han.e Dllei
(iii) an)' addhional milieU ...hkh Ihe NOle Holde. is requiretJlo diKlo,e; and
(jv) Ihe litlc Ind telephone number or I pelloOn who ...11I .,lIwer Iny qunlion I may have rC'If~inl the
nOlice.
B. CIIAIlG~S; I.IENS
Unirorm Covenlnt 4 o( Ihe Sc,"ulit)' Irulrumenl I, ImendcJ 10 fud u followe:
... Char.uj L1cu. Donowcr Ihan pay .1I,IUI, .ncllmCIlU. Ind olher ehar,cl, f1ine. Ind ImpiJlilione luribullblc 10
Ihe l'ropen)' whlth 11I1)' 'lIo1ln . pliolll~ ovtr lhli SC'Ulil)' 'uluumenl. InJ lealehold paymenll or ,round IClltI. if
any,ln Ihe manner pJu\-ided unllu Ilaf..r..ph 2 hClCU( or. I( nol pOlld in lueh mlnner. by Dorro..'cr R1.~inl pl~rnenl.
when due, dilecll)' to Ihe p"")ee lhercu(, Do,rowcr Ih.1l plOllIptly (uml,h It) under III nOliul or Irnounu due uodu
Ihll plfI,raph. Ind il'llh, evei'll DoulJVlcr Ihan nu,Lc (l1)'menl dhnlly. Dotrower Ihlll plo,nptly furnllh 10 under
le\;t'ipt. (vidcncln, II.lch pl)lIIenll UOllo'l'ler shall promptly dilcha'le III)' lien whlLh hu prioril)' o\'ellhil Securil)'
'nmumenl; however, DoHOWC! 111.11 nUl b, re1lui.eJ tu JIKhJ(~e In)' lu..h Iicn w luna It Borrower: (a) Ihall 4Iw,rce In
WI ion, co Ihe pl)'mclltlJ( the obli,"tion IcculetJ b)' ,uLh lien in I manner Dtccpliblc lu under, (bl Ihallln 100101
GENERAL fORM-fIllMC UNifORM AOJUS1ABlE RAIL lOAN-tllUolllR, ~OU)-lfll
" lilt! Hola 1I1l1d..l' \Jll1 lhen hlunJ lhll lthlull uf lli1. adJ1tion La lhll naau:.t Oll8-IIIIKhlh
of one pt:rccllLdk)O IJol1ll (0.12;%). This [CJullJttd IimtJunt wlll bd my lie.... lnlul'Qnl ulo 1111111
thu 110)(1 ChJl1gu LJrttl!. In 110 l:Venl, t;lu~ll my new interest ute r~pL'Vl.Hmt 81\ illlllUllif.l ul
dccuaso of Inortl than two--(2 ) pe:rcwnlogu poluts abovd or hela.... r.lY cunlllll Intllrut
.,ta tn any one.ye<lr AIIJ 11111 cuntain 0 t1vc-( 5) f,uCenttlS8 point Ihlll 011 thu PIllount
of JI1'IQ~S~ or Jecleu~l: OV~1 ltl~ life uf 111~ lu~n,
'.. ,
f.llh tunlut luch lith h)', flr drl'rnd "'Inll throrccrntnl of .uch lien In, It,., prt\Ct,dln" _1Ih.h In lIlt npinion o(
lAnd" <<llltlll, 10 rlfVtnl Ihl' tn(orcemenl or tht IItn or rlllrrhur, 0( Iht l'roptny or .ny Plf1lhll,on or (r) ,hili
ucure (,om tht h(llder o( luth lifn In 'Irum,nlln . form IIlhflChlry In I end" ll.lhUh'in.1inllllC;h 11m 10 Ihl.
S,cllrily 'nurumtn!.
Ir lfnder dCltlmlnu Ih.l .11 or .ny rlfl or Ihe Property IIIuhJtCl te) . !ifn which m.y .1I.ln . p,lo,i1)' OVtl chi.
Secu,ilY 'nurunltlll, "rndtr 'hili ,Iv. lklrrowClI nOlice IdtnIU'yln,luch litn. HorN..,r Ihall "llIfy luch lien or I."
on. or more 0( Ih. .clloOl .tl fonh .oove wilhin Itn d'YI of Ihe ,Ivin, or Ih. notlre.
C. NOTICE
Uniform Coven.nl 14 of Ihe Seeuril)' Imllumrnll. .mtnded 10 rud II folln....:
14. Noll... P.mrl rnr any nnlie< rrqullld under IrrllClbl. /1" 10 b. ,Iv.. In Inolher mlnn... (I) Iny notice 10
Rorrower rmvided ror In Ihl. Securily 'n"",menl.hlll b. ,1... by d.llv,rin,1t or by mlilin, it by ftnr """ mill 10
B4.lUowrr lithe Proptny Addre.. or'l luch (llher Idd,e.. '1 Bonowrr m.)' dtli,nlle hy nOllce II) Lender I. provided
hertl., Ind (b) any nolle< In I.end.. .hlll he liven by ftr1l dl" mill 10 I.ender'. Iddrell""ttd herrl. nr 10 Ill<h
olhrr addr,,, II I.tndtr m.)' ded'nllt hy nOllet In hfltrn....'r I. ",ovidrd herrin. Any no lice provldtd for In .hll
Stturlly Intllum.nl ,hall be deemed 10 h....e bern ,lven to Borrower or !.tnd" ",hen ,iv," In Ihe m.n"'r dtli.nlltd
htl,in.
n, lINlfOR/,f Sr.CURITY INSTRUMF.NT; GOVF.RNING I.oI.W, SF.VP.RABII.ITV
Unifolm Coven.nl "Offhe Srcurll)' 'nmumenl', .mended 10 re.d I' followl:
U. Unltorm Suurll, I.,'rum",., Goulnl", ta"l !;.""hllU)'. Thi. form orSecurily 'nllrumrnl romblnel unifnrm
C(lVrnlnl, ror n'llonal tile Ind non -uniform coven.nll wilh limiled v.ri.lion, by Jurildielion 10 mnuhuII I uniform
Itcunty l"mumr,,1 conr'", Inl plClprrty. Thl. SecurilY 'nllrumtnl .h.1l he ,ovemtd by Frdtrtlllw .nd ,he I.w or
the ju,hdictl()n in which .he Prorcrt)' "'otlltd. In Ihe tvrnllhu .ny J'lrovi.ion or "IUtt of Ihl. Sccu,hy In.lrumenl
or the NOI. ('Onnlell .,.../th 'prfit'lblr '''0', .lIch ronnlel .hall nOI .freel Dlh" proyhlo". o( 11'11. Seeurh)' 'nllrumenl or
Ih, NolO which <In be,l.cn "1"", wilhnullhe mnnicrin, p,nvillon. Ind In Ihl. end ,h. provillnn. or Ihi. SrcurilY
InllromCftllnd Ihe Nnle 1ft decll1td In be leverable.
F. TRANSFF.R OF TIIF. PROrrRTV OR A nFNHICIAI.INTF.RF.ST IN BORROWER
Unlfotm Covln.nl 11 or Ihe Stcuril)' InHrunltfll h amended tn ,ud I' (0110....1:
11. Tn..,f" at the Proptr', tlr . "rntAcl" Inter,,"n Rono.rr. If III 0' Iny p.n of Ihe Proprr1y or.n Inlflf.1
therein It lold or 'flmrr"ed (or if I btntftd.1 inltrtll in Rorrollt'tr haoM or ".,uferre'" Ind lJonollt'ct II nol I nllur.1
penon) wllhoull.cndC"1 prlot wrillen COmf"r, tender m.)', II unl'''', orlion, declare alllht lumlltcurcd by Ihi.
Sl'cu,il)' InllrumtnllO be immedi.ltly due Ind p'Ylble. Jlowevn, lhl. oPllon .hall nol be UI",dstd by under lr
ur,n'f is nOI ,ulhoriud by Fdcnlllw.
If tr.nder fltrrhtl luch orllon 10 Icttlcfllf, ltndtr .hall man norM...et noll~ nt .~"ttltr.llon In .ccordance wlrh
PIII,"ph If htreof. .5ueh nollet lhlll proy/dt locriod of nOllClllhftn 30 dftYl flom the dlle the oolktll milled
..I,Mn .'MrJt Rorrn.'" OIlY ~'Y '''e lu'n. d"/ned due, If Rorm.." rlli. In pay .uth 'um, prinr In Ihe ..pil"lnn or
luch ptriod, ltndtr may, wilhoUI fUMhrr nolite (Jf dtm.nd nn Rorrnwcr, lr\vole uy rcmcdirs J'C,mllled by
plfI,,.,,h 1ft heuor.
NOIWilhlllr\Jln. a ule Or lrar\,fu, noHowff -Ill ronllnue 10 be' oblizl1le'd unde, the NOlI" and thit SccurilY
Inll,urhrnl unlcst Lende, has ,elrued 80rrowt' in ""Win,.
F. I.OAN ClfARGF.S
rt the la.n Iccured by Ihe StCUrilY lnurumtnrl. IUbJttl 10 . 1.'11 _hleh '1"1' mn1murnl(lln charet., Ind ,h.t '.w I.
finally inlhprtltd 10 Ihlltht inlcltU or olhtr lOin th."tl roll,cltd (Jf In he ('nllnll'd In conntclion _i1h Ihe 'Oln
ucud permllltd lImlll. Ihen: (I) .ny IlIeh lolrt chl',e ,hall flt' 'tduced hy Ihe amount ntct"lry 10 ,duct Ih.
chillI" IIJ Ihe ptrmhlcd Jlrnll; Ind (2) .n)' .Urnl alrudy rollecttd from Borrowrr _hlth tJoudtd permiUed Ilmhl_1II
be refunded to &rrower. lendtr ml)' choole 10 m.ke fhil refund by rtdudn'lhe principII owed undtr Ihe NOI. or
by ml.'n, I dirw p.ym,nl In Rorrow,," Ir I rel"und "du... rrincirll. Ihe reducllon "ill be u..ttd .. . plnlll
II,eplymenl under Ihe NOle.
IN Wnl'fu!t Wllnro" Barra"" hll .ntu,td ~. AdJulfdle Rile Rldfr,
'-;'" I .......,
. ,
" "__A.'."" /-~',l'l .,~
.rI........t...".........l..,.rI..................................,.:..r.t.............................,.........(Sell)
Richard S, ~}r 'bow.
'ztl(1A..Y:.:~.....~,"U......"..,......,...,....,...............,......(S..I)
tfary t'V"Uf .8otrowtr
......................,...........,...........................................,..........................(5../)
._-
,Jig" OI'o"..,o"lyJ
WITIIESS:
(~ k'P~
, J)'
L
bljn~
'il:iJ fILl1:'",U
ADJUSTABLE RATE NOTE
THIS NOTE CONTAINS A PROVISION Al.l.OWING t'OR CIIANGES
IN MY INn:REST RATt:. It' MV INTEREST RAn: INCREASES. MY
MONTIIl.V PA VMENTS WIl.L DE IIIGIIER. It' MV INn:Rt~'iT RATE
m:CRUSES. MV MONTIILV l'AVMt:NTS WILL DE WWER.
........................,..,~~~t~mu~x..,Z,.........., 19./J,4.."
....... UiI J:.r, ~ ~ 11.\1 ~ 1;.""",..""..",..", '. ",.. J.'.\'.I1Jl.~y.l~,i\n.i,i\... .....
CIty Slale
................,..............,..........6.4,LUQIl.kQ~...(\)(,\.,11I1,~,....l.\'.I1\\lY.il.\'.. ,J.l\...,,UQ't,L................,..,.....,.......,.......,.....................
Property Address
I. DORROWER'S PROMISE TO PAY
In relurn for a loan that I have received. I promise to pay U,S. S..:lZ."aOD".OO.7.~".7.~",7,~".7.. (Ihis amount is
II d" . , I") I . I d f h Le d Th Le d . Firsl F,'d..,"al Savings and
ca e pnnelpa . p us IOterest. 10 Ite or er 0 I e n er, e n er IS .......................,....,..,..,........,...............,....
...I.t\wn. .f't.f?~ f?,l;.tn.t i.U}},..~ ~L. ,I,! n X. r..~ ;'.;.I.~!! ,I: J.~ I,,, ,;,1,. .~:.(.~ !]~ ,',', r.:~.~. ,I,! !,'.l...........................,........ ..................... ............... n.............
I understand thai the Lender may Iransfer this Note. The Lender or anyone who takes this Note by transfer and who
is entitled to rea:ive payments under Ihis Note is called the "Nole 1I0Ider."
2. INThREST
Inlerest will be charged on thai pan of princIpal which has not been paid beginning on the dale I rea:ive
principal and continuing until the full amounl of principal has been paId.
Ileginning on the date I rea:ive principal. I WIll pay interest al a yearly rale of ..........u1.........%. The interest
rate that I will pay will change in accordana: wuh Seelion 4 of Ihis NOle. The IOteresl rate required by this Section
and Section 4 of this Note is the rale I will pay both before and after any defaull described in Section 7( D) of this
Note,
3. PA VMENTS
(A) Time and Place of Paymenls
I will pay principal and inlerest by making paYl1)ents eyery (llonlh.
I 'II k hi h f I....l (I ,; I ) d f h h b . .
WI ma e my mont y payments on t e .............::.........:......................... ay 0 cae mont eglOOIng on
..............NQ.y,erob,er...L................. 19.8L... I will make Ihese payments every month until I have paid all of the
principal and in Ie rest and any olher charges described below thai I may owe under this Nole. My monlhly payments
will be applied to inleresl before principal. If on .....Ol:.tuD.cr...L............................ .20lli....... I still owe amounts
under lhis Nole. I will pay those amounts in full onlhat dale, w~ich is cal!ed Ihe "malurity date."
I '11 k hi . 2 VI Nor! I ~)('('(ll1d :\t 1'('('1, lIi1rrlshllrg,
I'..nn" 1~1'1Il~~ e rll~rnl y payment' al ,.....:...............:................:.........".......".:.."..,,":..............,..........................
.......o....."y"....:......:...................."................................................" or al a dlfferenl place If required by the Nole Holder.
(D) Amount of My (nilial Monthly Payments
My initial monlhly payments will be in the amounl of U.S.S...J66..112"".7,,,,,.~.7.,,",7.~,,,7.-This amounl may
change to reneCI changes in Ihe inlerest rate Ihall must pay. The NOle Ilulder will delermine my monthly payment in
acrordancc wilh Section 4 of this Nule,
4. INTEREST RATE AND MONTIILY PAYMENT CHANGES
(A) Chanae Dates
The inlerest rale I will pay may change on lhe ..........!,',:~..,,""'" day or ,,,......O,C.t01l,CL.....................,........
19...ft?... and on thai day of the month every "...J,?........."..... months Iherearter. Each dale on which my interest rate
could change is called a "Change Date,"
(B) The Index
Beginning with the first Change Dale. my inlerest rale will be based on an "lndex."The Index is the weekly
average yield on United Stales Treasury seeurillCs adjusted 10 a constanl maturilY of .........0.\\\:........... years, as made
available by Ihe Federal Reserve Board. The most recent Index ligure available as of 4~ days before each Change
Dale is called Ihe "Currenl Index."
If Ihe Index is no longer avadable. the NUle lIulder will ehuose a new index which is based upon
comparable information, The NOle f10lder Will give me nOlia: of its choice.
PENNSYLVANIA-FHLMC UNIFORM ADJUSTABLE RATE LOAN-(IRIASUR"NDlI)-J/8J
EXIIIBIT B
(C) Cllcullllon of China"
Defore each Change Dale, Ihe NOle /tolder will calculale my new illlereH rale by adding ...........................
,thtc.c............... perce:nlage poin15 ( ..........J...............%) 10 Ihe Currenllndex. * (,a',. I", J Ilw)
The NOle Holder willlhen delermone Ihe amount of Ihe mOn!bly pay men I thai would be ,ufficienllo repay
in fulllhe principal I am ..pecled to owe on the Change Dale in ,ub'lanllally C4ual paymen15 by the malurily dale al
my new inlereu rale, The resull of Ihi, calculalion w,lI be Ihe new amounl of my nlllnlhly payment.
(D) EIf.c,I.. Oil. of Chlnaes
My new inlereu rale will become eITectlye on each Change Dale. I will pay the amounl of my new monthly
paymenl beginning on Ihe firll monlhly paymenl dale after the Change Dale until Ihe amount of my ononlhly
plymenl changes again.
(E) Nollee of Chlnaes
The Nole Holder will mail or deliyer 10 me a nOlice before each Change Dale. The notice will adyise me of;
(i) Ihe new inICrest rate on my loan as of Ihe Change Dale;
(ii) Ihe amounl of my monlhly paymenl following the Change Dale;
(iii) Iny Idditional manerl which the NolC Holder i, required 10 disclo,e; and
(iy) the title and IClephone number of a person who will an'wer any queuion I may haye regarding the
notice:.
5. BORROWER'S RIGHT TO PREPAY
I baye the ri&htlO make paymen15 of principal at any time before they are due. A payment of principal only is
known as I "prepayment." When I make a prepayment. I willt.ellthe Nole Holder in wriling that I am doing "'.
I may make a full prepayment or a panial prepayment wnhout paying any penally, The Note /tolder will use all
of my prepaymen15 10 reduce: the amount of principal thai I owe under Ihi, NOle. If I make a panial prepay men!.
the~ will be no delays in Ihe due dale' of my monthly paymen!s unle" the NOle Holder agrees in wrilini to those
dellYs. My p.rtial prepaymenl will reduce Ihe amounl of my monthly paymenls after the fim Change Dale following
my p.rti.1 prepayment. Howeyer. any reduclion due to my panial prepaymen! may be oITset by an inleresl rale
increiUe.
6. WAN CHARGES
If .I.w which applies to Ihis loan and which se15 maximum loan charges is finally inlerpreled '" thai the inlerest
or other loan charies collected or 10 be rollected in ronneclion with this loan ..ceed the permined limi15. Ihen: (i) any
such loan charie shall be reduced by Ihe amounl necessary 10 reduce Ihe charge 10 Ihe permined limit; and (ii) any
sums .I~ady collected from me which ..ce:eded permined Iimils will be refunded 10 me. The NOle Holder may
choose to make this refund by reducing Ihe principal I owe under this NOle or by making a direct payment 10 me. If a
~fund ~duce:s principal, Ihe reduction will be !rea led as a panial prepayment.
7, BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Lale Chorge for Onrdue P.ymenls
If the Note Holder has nol receiyed the full amoun! of any of my monlhly paymen15 by the end of
.................1.~....... calendar days after the date il is due, I will pay a laic charge to the NOle Holder. The amounl oflhe
charge will be ........2..............,..% of my oyerdue payment of principal and inlerest. I will pay this late charge
promptly but only once: on any lale payment.
(B) Der.uU
If I do not pay the full amoun! of each monthly paymenl on the dale il is due, I will be in defaull.
(C) Nollce of Def.uU
If I .m in defaull, the Nole Holder may send me a wrinen notice lelling me thai if I do nol pay Ihe oyerdue
amount by a ce:nain daIC the Note Holder may require me 10 pay immedialely Ihe full amoun! of principal which has
not been paid and all the inlerest Ihat I owe on Ihat amount. Thai dale muS! be atleau 30 days after Ihe date on
..hich the notice: is mailed or deliyered to me.
(D) No W.lnr by Nole Holder
Eyen if, at a time when I am in defaull. Ihe Nole Holder docs not require me 10 pay immediately in full as
described aboye, the Note Holder will still haye the righllo do '" if I am in defaull at a later lime.
(E) P.ymenl of Nole Holder', Cosla .od Elpenses
If Ihe NOle Holder has required me 10 pay immediately in full as described aboye, the Note Holder will
h.ye the righl to be paid back by me for all i15 rea",nable roS15 and expenses to the ellenl not prohibiled by
applicable I.... Those expe=s may include. for example. rea",nable anorDeys' fees.
*Thc Note lIolder will then round the l.c~alll of tli i s add i l i Oil to the nearest 011('-(' i r,hth
of one percentage point (0.1257.). TIlIH rounded ;InHllllll wi 1 t he my new interest rate
until the next Change Utile. In 110 event, Shill I my new intcrcHt rate rcprC~iCnt an
increase or dccrcasc o( more thnn two---(2 ) perccnt<lge poInts above or below my
current Interest rate In anyone year anJ will contaiu a five--(S ) percentage point
limit on the amount of ine'" "HC or decrcas(! over Lhc 1 i fe or '.Ill' loan.
II. GIVING 0.' NOTICliS
Unless applicable law requires a dlfferelll mClhod. any lIolice Ih.lIl1\u'l he G,vcn IU me under Ihis Nole Will he
&iven by mailine il by firsl cia.. mail or hy dehverlllG 1110 lIle allhe Properly Addrc" ahove or al a dlfferelll addre" if
I elve Ibe NOle 1I0lder a nOli", of my dilferenl addre".
Any nOlice Ihalmust be eiven 10 Ihe Nole 1I0lder under Ihis NUle will he Given hy lI\alllllg II hy firsl cia" mail 10
Ihe NOle 1I0lder al Ihe addre.. slaled III Seclion 3( A) above or al a differenl addre.. if I alii given a nOlice of !hal
differenl address.
9, OBUGATIONS m PUlSONS UNDliR TillS NOTE
If more Ihan one pef$()n siens Ihis NOle. each pe""n is fully and personally ohligaled 10 keep all of Ihe promises
made in Ihis NOle, includine Ihe promise 10 pay Ihe full amounl owed, Any per",'n who" a guaranlnr. surely. or
endorser of lhis Nole is also obliealed In do Ihese Ihines. Any per",," who lakes OVer Ihese obligalions. IlIcludmg Ihe
obligations of a euaranlor. surely. or endorser of IhlS NOle. is al"" obligaled 10 keep all of Ihe promISes made in Ihis
NOle, The NOle Holder may enforce ils nghts under Ihis NOle aga,"sl each person mdlvldually or agalllsl all of us
logelher, This means Ihal anyone of us may be required 10 pay all of Ihe amounls owed under Ihis NOle.
10. WAIVERS
I and any other pef$()n who has obligalions under Ihis NOle waive lhe ngllls of presenlmenl and noli", of
dishonor. "PrueOlmeOl" means Ihe righllo require Ihe NOle Holder 10 demand paymenl of amounls due. "Nolice of
dishonor" means lhe righllO require Ihe NOle Holder 10 give nOlice 10 olher persons Ihar amounls due have nol been
paid.
11, THIS NOTE SECURED BV A SliCURITV INSTRUM.:NT
In addition 10 Ihe prolections given 10 Ihe NOle Holder under Ihis Nole. a MOrlgage, Deed of TruSI or Deed 10
Secure Debl (Ihe "SeeurilY InmUmenl") wilh an Adjuslable Rale Rider, daled Ihe same day as Ihis NOle. proleels
Ihe NolC Holder from possible losses which mighl result if I do nol keep Ihe promISes which I make in Ihis NOle, ThaI
Securily Inslrument and Rider describe how and under whal condilions 1 may be required 10 make immediale
paymenl in full of all amounts Ihall owe under lhis NOle. Some of Ihose wndilions are described as follows:
"T,allJfu of Iht P'OPtrl)l 0' a BtntficiallnlUtsl in BorroK'u, If all or any pan of Ihe Propeny or an inleresl
therein is sold or Iransfened (or if a beneficial inlerest in Borrower is sold or Iransferred and Borrower is nol a nalural
penon) wilhoul Lender's prior wrillen oonsenl. Lender may. al Lender's oplion. declare alllhe sums secured by Ihis
SecurilY Inslrumenl 10 be immedialely due and payable. However. lhis OplUlII shall nol be exercised by Lender if
exercise is nol aUlhoriud by Federal law,
"If Lender exercises sucb option 10 accelerale. lender shall marl Borrower nOlice of acceleralion in accordance
with paraeraph 14 hereof. Such nOlice shall prOVide a period of nol less Ihan 30 days from Ihe dale Ihe no lice is
mailed wilhin which Bonower may pay Ihe sums declared due. If Borrower fails 10 pay such sums prior 10 Ihe
expiration of such period. lender may. wilhoUI funher no lice or demand on Borrower, invoke any remedies permiued
by /lara graph 18 hereof.
"Nolwillulandine a sale or lransfer, Borrower will wnlinue \0 be obligaled under Ihe NOle and Ihis Seeurily
Instrumenl unles.s Lender has released Borrower in wriung."
WITNI;SS:
Wllaua lbe haod(s) and sealls) of lhe undersliMd ..:J.
"..I:((:imr!~.;......,.....................(SeaJ)
Richard S. Bair Borrow"
~j1/-
)..~2ktl.~:cf:..66d:i.!.u......"...............(Seal )
Mary E. Bqyr Borrow"
...............................,...,..............".................................(Seal)
Borrow"
(Sign Original Only)
We may also sue you prr.wllally for lIlt! ullpaid prillcipal balallCl' alld all mha SUI/IS chII'
ulla", Ihe II/ortgage.
If you have 1101 cured Ihe defaull Wilhill Ihe Ihirty day period (JIll/foreclosure proccedillgs
hal'e begulI, you still hal'e Ihe righl 10 curl' Ihe defaull alld p,,'velll Ihe .wle 01 allY lill/e up 10
aile hour before Ihe sheriff's foree/osllfe sale. You may do so by payillg Ihe 10101 alllOll/1I of Ihe
unpaid II/olllhly paymellls plus allY lOll' or mha charges Ihell due, as Ihe reasollable allomey's
fees alld coslS COlllleCled wilh Ihe foreclosure sale (alld pe/foml allY olh", ref/uiremellls ullder
Ihe mortgage). /1 is eSlill/llled Ihat Ihe earliesl dllle Ihm such a shaiff's sale could be held
would be approximalely March 5, 1997. A lIotice of Ihe dale of Ihe sh",iff's sale will be selll
10 you before Ihe sale. Of course, Ihe all/owl/lleeded 10 cure Ihe defaull will illcrease Ihe 10llger
you wail, You fIlay find oUl al any lime exactly wllalllle required paymelllwill be by calling us
at Ihe followillg IIwllber: 232-6660 l'.XI. 292 or 1-800-554-4572 e.xl. 292. 77/is paymelll//lllSt
be ill CASH, CASllIER'S CHECK, CERTlFlED ClIECK OR MONEY ORDER alld //lade payable
10 us allhe address slaled above.
You should realize Ihal a sheriffs .wle will elld your oWllership oflhe //Iortgaged pmpeny
alld your righllO rell/aill ill il. If you COlllillue 10 Iivc ill Ihe property aftcr Ihe sheriff's sale, a
lawsuil could be slarled 10 el'icl YOlI.
You have addiliollal rigll/s 10 help pmlccl your illlaesl ill Ihe pmpeny. YOU HA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INST/TUTION TO PAY OFF
THIS DEBT. (YOU MA Y HA VE TIlE RIGHT TO SELL OR TRANSFER THE PROPERTY
SUBJECJ TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE
MORTGAGE DEBT, PROVIDED T//AT ALL THE OUTSTANDING PAYMElVTS, CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT
THE OTHER REQUJREMElVTS UNDER THE MORTGAGE ARE SATISFIED). CONTACJ US
TO DETERMINE UNDER WHAT CIRCUMSTANCES TI1IS RIGlITMIGIlTEXIST. YOU HAVE
THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY TIIIRD PARTY ACJING ON YOUR
BEHALF.
If you cure Ihe defaull, Ihe II/ortgage will be reslored 10 Ihe same posilion as if no defaull
had occurred. Howel'er, you arc 1101 elllilled 10 Ihis righllO cure your defaull more Ihan Ihree
limes in any calendar year.
Sillcerely yours,
J. W. Shader, Jr.
Collectiom/REO Mallager
JWS/sjc
We may also .\"IIe YOII per.wl/ally jilr 1/11' IIl/fleli" II/il/ciflal ba/al/ce al/" all olher SllllLf dlle
under Ihe mortgage.
If you haw nOI cured Ihe defaull wilhin Ihe Ihirty day period andjiJreclosure proceedings
hal'e begun, YOI/ slill hal'e Ihe ri}lhllo cure Ihe dejiwll amI prel'elll Ihe JaIl' al any lime lip 10
one hour before Ihe sheriJTsjiJreclosure sale. YOllmay do so by paying Ihe lowl (//11011/11 oflhe
unpaId mOlllMy paymenls pllLf an)' lale or alher charges Ihen cllle, (IS Ihe reasonable aflame)' 's
fees and costs connected wilh Ihe jilTeclo.\"IIre .w/e (and peifonll any Olher reqlliremellls IIn(ler
Ihe mortgage). II is eSlim(/(ed Ihal Ihe ('arliesl dale Ihat such a shaiJTs sale could be held
\VOuld be approximalely March 5, 1997. A nolice of Ihe date of Ihe .fheriJT.f sale will be senl
to you before Ihe sale. Of COllrse, Ihe 011I011/11 needed to Cllre Ihe defallll will increase the longer
you wait. You lIIay jiluJ out at any tillle exactly what the required paYIII('1lI will be by calling us
at the following number: 232-6660 ext. 292 or 1-8{)()'554-4572 e.xt. 292. 'fllis pa)'melllmlLft
be in CASH, CASIllER'S CHECK, CERTIFIED CHECK OR MONEY ORDER and made payable
10 lIS at the address sla/ed abm'e.
YOII should realize that a sheriJTs sale will end your ownership of the mortgaged property
and YOllr right 10 remain in il. If)'oll coli/in lie lolil'e in Ihe property after the sheriJTs sale, a
lawsllit could be started to el'ict you.
You hal'e addilional rights to help prOlect )'ollr iII/crest in Ihe pmpaly. YOU HA VE THE
RIGHT TO SELL TIlE PROPERTY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTllER LENDING INSTITUTION TO PAY OFF
THIS DEBT. (YOU MAY HAVE TIlE RIGHT TO SELt OR TRANSFER TIlE PROPERTY
SUBJECT TO TIlE MORTGAGE TO A BUYER OR TRANSFEREE WHO WIU ASSUME TIlE
MORTGAGE DEBT, PROVIDED TIlAT AU TIlE OUTSTANDING PAYMENTS, CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SAW, AND THAT
THE OTHER REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISF/ED). CONTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES TIllS RIGHT MIGHT EXIST. YOU HAVE
THE RIGHT TO HAVE TillS DEFAUtTCURED BY ANY TIllRD PARTY ACTING ON YOUR
BEHALF.
If you cure the default, the mortgage will be reslored to the sallie position as if no default
had occllrred. HowCI'er, YOII arc not entitled to Ihis right to cure )'ollr defallltmore Ihan three
times in any caleluJar year.
Sincerely yours,
J. IV. Shader, Jr.
Collectiom/REO Manager
JWS/sjc
e~~~~l~
. .
:!:l~1 ~'illll ~t'\ IlIld ~Ill'l'l
I'(L Hll\ 1";11
lIill n~IHII'~. PI'IIIl~~ h :tlll,l 1711I;l.1711
i"l7/:!:llilCII1
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM
FORECWSURE
The Commonwealth of Pennsylvania's Homwwner's Emergency Mortgage Assistance
Program may be able to help you. RC.ld the following notice to find out how the program
works.
If you need more information call the Pennsylvania Housing Finance Agency at 1-(800)-
342-2397.
La notificacion en adjunto es de suma importancia, pues afeeta su dereeho a continuar
viviendo en su c.lsa. Si no comprende cl contenido de esla notificacion obtenga una traduccion
immroiatamente lIalllanda csta agencia (Pennsylvania Housing Finance Agency) sin cargos al
nUlllero mencionado arriba. Puroes ser clegible para un preslamo por cl prograllla lIamado
"Homwwner's Emergency Mortgage Assistance Program" cl cual puroe salvar su casa de la
pcrdida del dereeho a rroimir su hipotcca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TIllS NOTICE,
YOU MAYBE ELIGIBLE FOR FINANCIAL
ASSISTANCE WIIICH CAN SAVE YOUR HOME FROM
FORECWSURE AND HELP YOU MAKE FUTURE
MORTGAGE PA YMENTS
DATE:
RE:
TO:
MAILING ADD.:
PROPERTY ADD.:
FROM:
ADDRESS:
September 10, 1996
Account No. 0181021454
Richard S. Bair
842 Bosler Avenue, Lcllloyne, PA 17043
842 Bosler Avenue, Lcmoyne, PA 17043
Harris Savings Bank
Seeond and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
EXHIBIT E
You may be eligible for I1nanchllassistance that will prc\'cnt foreclosure on your
mortgage if you comply with the pro\'isions of thc Homcowners' Emergcncy M0I1gage
Assl~tance Act of 1983 (the "Act"), Yon may be eligible for emcrgency temporary
assistance if your default ha.~ been caused by circumstances beyond your control, )'on have
a reasonable prospect of rc.~uminl: )'our mortl:al:e payments, lInd if you n\('et other
eligibility requirements estllbll~hed by the l'ellll.~)'h'lInill Housiul: Finance Agency. l'lcase
read all oC this Notice. 11 contllins an explllnation oC )'our rights,
Under the Act, you are entitled to a temporary sl;ty of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with a represenl;\tive of this lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or
to otherwise settle your delinquency. This meeting must occur in the next (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer credit
eounseling agency identified in this notice, no further proceeding in mortgage foreclosure may
take place for thirty (30) days after the date of this meeting. The name, address and telephone
number of our represent.1tive is:
Sl;tcy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O. Box 1711, Harrisburg, P A 17105
(717)-232-6660 ext. 293 or 1-800-554-4572, ext. 293
The names and addresses of designated consumer credit counseling agencies are shown
on the atl;\chcd sheet. It is only necessary to schedule one face-to-face meeting. You should
advise this lender immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly insla!lments of
principal and interest, as required, for a period of atlcast sixty (60) days. The tola! amount of
the delinquency is $1,150.24. That sum ineludes the following: Payments of $373.62 for the
months of July, August, and September, 1996, late charges tol;\ling $29.38.
Your mortgage is also in default for the following rcasons: None
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assisl;\ncc Fund. In order to do this, you must fill out, sign and file a completed
Homeowner's Emergency Assisl;\nce Application with one of the designated consumer credit
counseling agencies listed on the atl;\chment. An application for assistance may only be obl;\ined
from a eonsumer credit counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submit your completed application to the
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within
thirty (30) days of your face-to-face meeting.
You /IIay be eligible for financial assblance that will prevent foreclosnre on your
mortgage If you comply wilh the pro\'isiol1S of lhe Homeowners' Emergency Mortgage
Assistance Act of 1983 (the "Act"), You may be eligible for emergency temporary
assistance if your default has been caused by circumslances beyond your conlrol, you ha\'e
a reasonable prospect of resuming your morlgage payments, and If you meet other
eligibility requirements establl~hed by the Pennsylvania Housing Finance Agency, Please
read all of this Notice. It cont:lins an explanation of your rights,
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,
Under the Act, you arc entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" mceting with a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or
to otherwise settle your delinquency. This meeting must occur in the next (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer credit
counseling agency identified in this notice, no further proceeding in mortgage foreclosure may
take place for thirty (30) days after the date of this meeting. The name, address and telephone
number of our representative is:
Stacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 293 or 1-800-554-4572, ext. 293
The names and addresses of designated consumer credit counseling agencies are shown
on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should
advise this lender immediately of your intentions.
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Your mortgage is in default because you have failed to pay promptly installments of
principal and interest, as required, for a period of at least sixty (60) days. The total amount of
the delinquency is $1,150.24. That sum includes the following: Payments of $373.62 for the
months of July, August, and September, 1996, late charges totaling $29.38.
Your mortgage is also in default for the following reasons: None
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Application with one of the designated consumer credit
counseling agencies listed on the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submit your completed application to the
Pennsylvania Housing Finanee Agency. Your application must be filed or postmarked, within
thirty (30) days of your faee-to-face meeting.
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lI,rn,burR, l'ennsyl"J"',' 1710;'.1711
717/2J6.40.11
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CUMBERLAND COUNTY
CREDIT COUNSELING AGENCIES
Consumer Credit Counseling Service of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA. /7/02
(717) 541-/757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, PA. 17268
(717) 762-3285
Urban League of Metropolitan Harrisburg
25 Nonh From Street
Harrisburg, PA. 17101
(717) 234-5925
FAX /I (7/7) 232-4985
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YWCA of Carlisle
301 G. Street
Carlisle, PA. 170/3
(717) 243-3818
FAX /I (7/7) 243-3948
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Philadelphia, PA L 2 00 2.1.L' No, 5 3Qfc. ,(0' ,I
Aa provided by 80cllon~ 6321, 6322, and 6323 01 the I torn I R.lvcnue . r ,. 7 ,
Code, notice la given that toxos (Including Intorosl on pen II10fJ) hove ; I '
becn alSlls18d 8galnst Ihe 10llowlng'Mmcd t8xpayer. omn d lor pay. ~ ~.I
ment 01 this IIablllly hall been madeL but It remains u peld. 111(.roloro, U '.
there Is a lion In fayor 0.1 tho United ~tlltell on 011 prop'e y a d rlilhts to I
prOparty belongIng to thl6 taxpayer lor the emount 01 hose taX(llI, and 1 I
additional penalllcs,lnterBlt, end coetsthat may accrue. . ~ ,.,..:.:.~,;.t,;._.
Name of TaxpayarRICHARb S & MARY E BAIR = " r
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LEHOYNE,'PA 170~3
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IMPORTANT RELEASE INf'obMATION: With ,.."eel to each ..seSS"lenllisl d telow, un.
les. Mileo 01 lien I. ,ellled by tho dala given In column (a), Ihl. noil~. 6hal, On Ihe cIRY
lollow'ng such dal., o~srala ar a conine.,. 01 ,.I'lase es defined In IRe 632 a).
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10110 12/311 7 182-110-9128 OS/2. /88 06/22/94
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IN01l1 t.l!rltl fl\le 01011 enr tllJIMrlud by I.... to Ie.\l,e I'lr~nowl(c1U'1'O~1\ 11 IVII C",,'11 n' It) .I.I} ...nlldlly 01 NC'l'ro 01 r.d.rlll Tft( Hon
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s ~roVlded by soctlons 6321, 6322, und 63~.3 01 the Internall Rev nue
od , wo Ira ;IVlng I notice that laxll (Inclutllng Intorlsl and penelles)
av. betn ass ssad agalnallhl 101l0wlng.nam"d lax payer. We ~ve n Ide
d~and lor paymenl 01 lhla lIabllllY, but \I remains unpaid, ~ hora oro,
t al Is a IIln'ln lavor ollha Unltld StiltS 01" all property an rlgh a 10
ro rty b.lo~glng 10 Ihls laxpayer lor Iho a'mou~1 01 thaso Iuos, and
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842 DClSLER AVE
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1.1EMClYNE, PA I
1M I ORTANT :RELEASE INFORMATION: For a:\ch assessmOnlllX\Od b low,
unl~ss notice of lion Is roliled by the date glvon 1.1 column (e), this otlco hall,
on th~.::;t lollowlng such date, operate as a cE'rtlllcala 01 release' RS dE tined
In IRC 2~(W'~~~'" n"'~ nA1C: ',., r'nl (~\ ...." esl Day
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Kin 01 Tax Ended Identllylng Numhol Assesamen Rutllln
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1040 IZI~<1/85 182-4(1-912.:~ 08/15/:,'1 (I 1 14 I~l(
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No- 5305" p. /Ofo i
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Notice of Federal Tax Lie
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Ser ft IJmher
Philadelphia, PA 390 6408
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As provIded by ..cllonl 6321, 8322 and 6323 of the Inler al RevenuI
Code, nollol II glvln Ihlll.xea (Incl'Jdlng Inllr..t .~d p. lIlIln) have
been .u....d IR'ln'l the followlng-nlmed Idxplyerj Oem nd for pay.
ment of Ihl. IIl1b /ly h'ftI been mllde bul /I r.mlllns npal. Therefor.,
thero I. a lien In flvor;of Iha United Slal18 on ell pro arty nd rlghtl to
property belonging 10 Ihl. lax payor f,,, Ihe amount 0 Ihoso hues, and
addlllonal ponaltlos, In oresl, and cas I' thlll may accru .
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Name 01 oxpoyerRICIIAlw S & I1ARY
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LEllOYIIE', PA 17043
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IMPOf1TANT RELEAse INF,ORMATION: Wllh r"apacllo Mch Asses monll :.d be:ow, un.
I.ss noll~A 01 lien Ie reflle:! by Ihe dale glvon In column (0), Ihl. n IIc. $ A". en Ihe d~y
following slIch dale, opelal.' as e ccrtillce~o 0' 191eel. e. derined In RC e~ 5(9)
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TAX Pertd D leof Lasl Day for
Kind of Tax Ende ldenllfyln,~ Number Au ISme l Reflllng
(Q) , (b) ! M (d) (.)
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10~0 I 182-40~9128 11/16/94
12/31(84 101 '118
10.40 12/31(86 182-40-9128 081 21EJ 09/21/94
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Pr?thollotary
CUfberland County
CarliSle, PA 1701
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(,'I' l1~lllli~; Zll'lI,izin 23-01-14111
(NOrt: Ce'1bt, Of offree' ~~~'\U::l t-)' l:l1-' tro tn. .:ht'''''1.1i1~''H''1t1 'J I.,~.n .,ti..' b !t~ '''''\J~r of Nmt;:Jf t7P r~l T,. TV"
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NOTICE conRECTS OF~IGINAL NOTl~E ':i.1:'~:4t)8 FIL: ON-:4-:::;:;
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De,:lrlmonl 01 thl T"flury Intn'nll n.vlnue Service
I Notice of cd ra I Tax Lien
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So"lnl Numbor T
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As provided by soctlon! 6321, 6322, and 6323 01 Ihe Internal Re'/onue
Code, w~ .re giving II notlco thaI taXle (Including Inlares! and ennltles)
have be~n aueuld aglllnsl the lollowln".named laxpoyor, We avo modo
. dem.n,d for poymenl ollhl. liability, t:uI II remolns unpaid. heralore,
thore Is ~ lion In lavor ollho United Sloto' on all prope'1Y an rights 10
property' belonging 10 Ihla laxpayer lor ,lhl amount 01 these exell, and
addition I ponaltlel, Intor..', and cosl, I~,al may accrue. I
amp of ax payor RICHARD 5 13, MARY E DAIR I -
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osidenc 842 13'JSLER AVE !
LEMOYNE, PA 17043 I
_M Op"anftl Uu by Recording O/llce =
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IMPOR ANT RELEASE INFORMA TION:.For each assoss onlli tod below,
unless hollco of lion Is rofiled by the date u1vollln column (e)', this olic'l shall,
on tho ~ay following such dato, operato as a certificate 01 r leaso' 8S dofinod
I I 2 ,REelS ORIGINAL DI..TE IN COL, (Il . H \2,)\ \~tl.~~
Tall Period I Dati 01 Lns' ClY lor UnpaId Ballnce
ax Ended Identifying Number ASgessmen Rollllng of Auaum,nl
(b) (c) (d) (e) (f)
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Kind 01
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1.21:31/86
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Placo ot/'Flllng P,ocothconco;tlUoy
Cumb.rland (county
I Carlisle. PA 1701~1
Original Recording Datal :
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This noro was prepared and signnd at, "--------r--- ___..0_.
, '26th Juno. 941
"tho I day 01 19'
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: : """','h'l 71.4M 1011 . ~ r. n .(10) ..' , e rB . In
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Tolal $
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l: 7'1-:11 Notice of Fed',3ral Ta!.!:!~n IU~nternal Revenue Laws
I ui6\r[cl fr'rlal Numbor T ^ J. ^ ^ . Fo, Opl/on., UII ~y R,cordlng O",~ .
~ . . Philadelphia, PA ..:li__.~r90218~~ .5(...1/,
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COdo, otlce Ie given Ihalloxea (Incl~ ding Inloroel anil p, Itle a) hove /(1
been II sused agalnellhe followlng-I'lamod laxpoyer. i Oom nd lor pay.
manIa/ Ihll lIebnlly hal beon modo buIlt remains unpal . Thoreloro,
Ihero Ie a IIln In favor 01 tho United 9,le105 on all prop~rty d rlghl. 10
proporty bolonglng 10 Ihll loxpllyor f(lr tho amounl 011 Ihle 10):01, and
oddltlo el ponllltlea, Inlerolll, and COlli'; thaI moy accrue.
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eme 0 Te~payer RICHARD S " MAlilY E BAI~
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LEMOYIJE, PA 170431
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IMPOR ANT RELEASE INFORMATION: Vliln ""peel 10 oach e559'tmonll lad lolow, un.
1851 nollCo 01 lI.n II refllld by Iho dolo glllon .'n column (e), Ihl5 n lice S oil, en tno day
: fOllOWlnr .ucn det.. operal. 81 a c.~lncOle 011.010060 u dollned In RC 63 ~(o)
. I 'l'ox Period ~tt 01
Kind 01 Tox Endod Idtntlfylng Number Ass ..me
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. ! ~,~ .,' 1J1h<<'i"'1 .' .
I:~ SlonOh)ro 1/ I I 1110 ' I
. I . I Revenue Offioer 1/1'1
.'., __.. for Denn i s Zmud z 1 n ! ! 23 -0 1-1 44'1 .
'". IflIT!!: C"t11~lel'O 01 O'~~~lt.d by IIIN-;'~~;rlQ~;.nl'I'-~OI . tDM')' '1O.'.~;71r1'I~ce 01 FOd,,,.' TIX lien ----: tit ;
<" II. n" 7','00,1071 . 20,0 '00) . .
. . . , I Form 688 (V) (RIV, 7-80)
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:polY'1 70'1 D;;';;':!~I-~I'II;'- T''';~' r'~"" nev.,nu. 'r,~'VIC.--------~--~ .
~: rr~c~'l Notice of Fed~r~:~~~b~r~i~~~~ ntE!rn~1 ~~~:'~~~U:~b~:'cOrd/nu O",c. .'
P1h ilad elph i a, P A 2391 pOll20 SCP '8%
A provide by lectlons 6321, 6322, and '6323 ollhe Inte~nal evenuo 4
C do~ notion Is given that taxel (IncludlnlJ Interest and pqnllltl s) havo f5' \I
b In lIaaos:sod 8glllnlt tho lollowlng.namlld taxpllyer. DOlJ1and or IlIlY'
mpnl'ol this liability hSI be.n mlldo but It remaIns unplIld, T ro ore,
thorods II lion In lavor 01 tho United ~tateH on 1111 proJlotly and ghts to
. pr'operty bolonglng to thlo taxpayer lor th e amount 01 tho 0 ta os, and
a dltlonnl p'llOaltloa, Interest, end coata that may accruo.
. I
e'l' Taxpayer HA RY E SA I R
: BAIR'S CRAFT WORKSHCP
, .
IRe I en.ce 00 HARKET ST. '. REAR ;
: EMOYNE, PA '170113 I
. I '
ItflPORTAN1; flELEASE INFORMATION: With respect to eech a$Sessment Isled b low, un.
I.,. nolico 01, lien Ie raflled by the dele given In coll'mn (e), this nolice , all. 0 the day
1 1I0wlng 6UC dele, operele e6 a certificate 01 role8s~ 8S defined In IRC 6 25(e).
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. I Ended IdentifyIng Number
Kr qf 'Tax Auoaemenl
1ft) (b) Ie} (d) I
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06/30/89 25-"'58l34~ 7/30/90
941 , 09/30/89 25 -'158:134;~ I
7/30190
,
941 , '12/3:1/89 25 -'15 8'13'I'~ 10/15/90
.
9111 03/3'1/90 25-'1581349 10115/90
941 06/30/90' 25 -\158:13 4} I
10/'15/90
940 12/31/89 ' 25-'158\1349 10/15/9d,
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Prothonotary. I
Cumberland County:
Carlisle PA <170<1)
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. his nollce wa propared and Signed at
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'l~", !\tioTi~cCirti"c.~O 01 CJ!rIcor aulhOfiud by IaN to t"il~-aCk,';I!Qd~n"r'l~ 1~ r;~I~~Q.,\~-;:;1~- l-,~-v~:;;j,i; cl n~lie. cl rOd~'3: TllX lion -
lit!' ,R.".O"I 71. ~O, lQ71 .2 C.B, ~09) I' I I F 66B (V)
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r rm 68 (Y) I -(52 Copartmont of tho Tr..,u,Y r Intor .1 "o".nut Strvl~. .-
~~ '~~'Y,ggll I Notl~of f~~~iTa~J:i~~e 'Internal Revenue Law~
'i trle ' Serial NJmbor I ..fE' Op/l~t by R'cord/~g OIfJ~ ·
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. .Ph ladolphla. PA i Z8:1:::I~,.,C.2 III.
~ap ,0vldOd b ncllonl 6321, 6322,and 6323 (II tho Interna' RoyenuolCodO, D.
".oll~ Is glveh Ihlt taxII (Including Interest and penetllos) have. bun
ft/ls.tsed agll~&t Ih, lollowlng-named IlXpa.ye;', Demand lor p,x",enl ~lllils
IIpblllY has be,en mad', buIlt remains unpaid. Th.relore, Ihlrt Is I lien In
I vo 01 Ih, U~1I8d Sllto' on all property and rlghlllO properly elon ling 10
t Is jlaxpayer Ilor Ihe amounl 01 Ihese laXII, and addlllon I p. alllol,
I IIf 11.li and cOils Ihal may accrue.: I
I mE 01 Taxpa or MARY E BAIR . I
'; E'A 1 R' S CRAFT WORf~SHerr-:
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Th s nplice v as prepared and .slgned at :~' I I a oj 6.1 phi a. P A
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th 21) t to day 01 Se p t'e,iofge t.".~. 93 i .
- I' j\, 0 ~ 'J,Yi[Sn-
,Ig aturo j ..,., (j
t"~tl ALAN ZLATKIN ..
(NOTE: CGnlllcAI. of olflcer authorized by law 10 ta~. .c<nowl.dgm.nl! h nol e Ulnllal 0 Ihe validity 01 tJcllCG 01 Federal TfX Uen
Atv. Ru!. 7 ~eo, \g71 ,2 C,8, 40g ! F.XII r n r TN'
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~EMOY~E. ~A 17048-1410
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: 1M ORTANT RELEASE INFORMATION: With re.lpectto oach asse smen Iistld
: bo ow,'unt8sJ notico of lion Is reflled by tho dale given In column ( ), \hls notice
sh II, 9" the ~ay following such date, operalo as II COrllllcate of rol88se as efined
In RC6325(a): ....; , I
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. Tax Period Oat. 01 L alll.y lor
Klr d ,~I Tax ,En~~d' Id.ntllyln9, Nurr'ber Am~~,m' I R.!~lng
(a) .. (b). . (el; (d) . I~
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Prothonotary . I
Cum~~r.l_nd CQunt~
Carl Isle. PA 11013
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Revenue Offlcet'
Phi J.ldelphia District Office.
S. 1993 - 6935 Entered September 27, 1993, $1169.90, filed
by Llw Philadelphia District Office - filed against Mary E. Bair
ilnd !lairs Craft Workshop, 909 Market St., Rear, Lemoyne, PA 17043.
It is hereby certified that at least ten (10) days prior
written notice hereof as required was mailed to Defendnats and
ilttomeys of record after the defaul t occured.
Dilte: J"":Juj S: 1917 ~~~...,vv1
, Robert E. My~rs, Esq.
Attorney for Plaintiff
I . D. No. 0972 9
AND NOW, J.,r:.~k~? , 19 9"/ ,Judgment
ill entered in f;x.6r of the Plaintiff and against Mary E. Bair, the
Defendant, for mortgage foreclosure and sale of the premises and
damages are assessed as above in the sum of $39,301.25 and in favor
of the Plaintiff and against United States of America, Defendant,
that the mortgaged premises be sold free and clear of the Federal
Tax Liens filed against Defendant and deceased Husband and against
Mary E. Bair and Bairs Craft Workshop, filed in the prothonotary
of Cumberland County.
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Prothonotary 0
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
I,
'"
VS.
MARY E. BAIR, surviving
tenant by the entireties
; NO. 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o united States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK SS
PERSONALLY appeared before me, the undersigned officer, Robert
E. Myers, Esquire, who, after being duly sworn according to law,
does depose and say that he mailed to MaryE.Bair and United
States of America a 10-day notice prior to judgment, copies of
which are attached with the certificates of mailing.
()t~~
Sworn to and subscribed
bef~ me chis y~~ day
of lJj"_-;M /"A ,19~.
,
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Notary publ c
NOTARIAL SEAL
Moary D. Ve'H.lg~. r JOlary PuhhC
'1 Illsburg BolO. YOlk County
. COmfTl+55lon E.. )1'(.'5 ~~11.?~...!29.~_
1'1 RST Ff.lJER^L S^V I NI;S "
LO^N ^Ssor: I AT f ON, now
II^RRIS S^VINC:S IW1K, hy merR'"
Irl TilE CIIIIRT OF Clllllllltl I'LEM;
III' CIIlIlIEHLMlIl CIIIINTY, I'^.
1'1 Hint I r r I
CIVIL M:TIIIII L^\.I
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lI^,tY E. II^,R, SIIRVIVltlc: TEtlMIT ny
TilE EtlTIRETY
tlll.: III II" I: I vii I qlJl
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11ll I TIm STM~:S III' MIER I C^
c/n lInll.ed ~lill..~ Attorney
I'ed,.ral IIldR., 7711 Willnnt Sl.
lIi1rrtshurr., PiI. 11101
OefelHllIlIlr.
IN t1(IRTC:N;F. FORECLOSIIRf:
To: ~!~ r__.E;_.___I~~.IJ~___
(Odendanl)
Ihll e of Holtce: ._^_1I_gl~_!!':._~_5_. J9.{LL____
IIII'IIRTMIT NIIT II:E
YIIII ^RF. Irl 1lF.1'^III,T IIF.C^IISF. YOII II^VF. I'^,LEIl TO T^Kf: ^I:TIIIN RE11IIIHEIl III' YIIII Irl TIllS
C^SE. UNLF.SS VOU ^CT WITllIrl TEN Il^YS FP.otl TilE fMTE OF TillS tIlITfCE, ^ .Il11ll;r1ENT 11^Y
IIF. EtlTF.RF.1J ^I:^INST YIIII WITIIIIIIT ^ IIE^Rltlr. ^NIl Villi "^Y LIISE VIIIIR I'IHlI'EHTY 1111 IITIII.:I\
1III'IIRT^,rJ' RrC:lrrS. YIIII SIIIIIII.1l T^r.r-: TillS IIIITICf: TO ^ L^WYI':II ^T 11111:1':. I I' YIIII 1111 tlllT
IIWF. ^ L^WYER OR C^IINOT ^FFORIJ ONE, 1;0 TII OR TI",ErIlOtl~: Till': FIII.LIIWIIll: OI'I'I':~: TO FIrlll
III1T WIIERE VOU C^N r.ET LF.C:^L IIELr.
~,!!llberland County Court ^drnlnlstrators Offlce.______...
(Name of OffICe)
First Floor, One Court lIouse Square, Carlisle.. ra, 11013
(^ddress of Office)
(111) 240-6200
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now
HARRIS SAVINGS BANK, by ml'rgct.:
Plaintiff
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fN TilE COlJllT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
VA.
C 1 V rr. ACT JON LAW
IN MORTGAGE FORECLOSURE
Cumbet-land
Date: Uu..'1'2! /9'-/1
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YOU Arm IN DEFAUf,'1' RECAUSP. YOU IIAVE FAI LED TO TAKE ACTION
REQUIRED OF YOU IN TIIIS CASE, UNf,ESS YOU ACT WITlIIN TEN (10) DAYS
FROM THE DATE OF TillS NOTICE, A ,JUDGMENT MAY BE ENTERED AGAINST YOU
WITIIOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR 01'IIER IMPORTANT
RIGHTS, YOU SHOULD TAKE TIIIS NOTICE TO A f,AWYER AT ONCE, IF YOU
DO NOT HAVE A r,AWYER OR CANNOT AFFORD ONE, GO 1'0 OR TELEPHONE TilE
FOLLOWING OFFICER TO FIND OUT WHERE YOU CAN GET 1,EGAt, HEI,P.
County Court Administrator's Office
1 Courthouse Square
Carlilse, PA 17013
Tel: (717)240-6200
~1J1J}~II-~k~'
Robert E, Myeu , Esquire
lOa York RO'ld
New ClImberJ'lnd, PA 17070
("11'1) Tl4 -31(,3
MARY E. BAIR, SURVIVING TENANT: NO, 01A'; CIVIl, 199"
BY THE ENTIRETIES
and
UNITED STATES OF AMERrCA
c/o United States Attorney
U,S. Courthouse
601 Market St,
Philadelphia, PA 1910(,
To: United States of America
c/o United States Attorney - Molry Coltl",rllle Frye
Federal Bldg" 2?8 Walnut St,
Harrisburg, PA 17101
IMPORTANT NOTICE
,
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
VS,
MARY E. BAIR, surviving
tenant by the entireties
NO, 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENTS)
Pa.R,C.P. 3101 TO 3149
,
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To the Prothonotary: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER,
(1) Directed to the Sheriff of Cumberland County, Pennsylvania;
(2) Against MARY E. BAIR, Defendant amd
Against United States of America, Additional Defendant
(3) and index this Writ against MARY E, BAIR, Defendant, as a lis
pendens against the real property of the Defendant and
against United States of America, as follows:
ALL THAT CERTAIN house and lot of ground situate in the
Borough of Lemoyne, County of Cumberland and State of
Pennsylvania, being known as 842 Bosler Avenue, Lemoyne,
Pennsylvania 17043 and more specifically set forth in Exhibit "A"
attached hereto and made a part hereof by reference.
(4) Amount due:
~ 19-1- j/
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$39,3/Pl.t.5, plus costs.
;;.\ {"-
DATED:
, 1997
(
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ROBERT E. MY RS, ESQUIRE
Attorney for Plaintiff
I.D. No.: 09729
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
VS.
MARY E. BAIR, surviving
tenant by the entireties
NO, 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK
SS
Personally appeared before me, the undersigned officer, a
Notary Public &?-u.~LA- U 7~m.~~/' ,who after being duly
sworn according to law, dep s and says that on
9- $"- Cj '7 ,1997, she caused the within Notice to Lien
Holders to be mailed by U.S. regular mail, first class, postage
prepaid, by properly addressed envelope, certificate of mailing
being attached hereto, and no envelope having been returned, as
follows to the following lienholders:
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
United States of America
Federal Building
228 Walnut St.
Harrisburg, PA 17101
and
c/o Janet Reno, Atty. Gen,
950 Pennsyvlania Ave.
Washington, D,C. 20530
Beneficial CDC
3368 Paxton St,
Harrisburg, PA 17111
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
VS,
MARY E, BAIR, surviving
tenant by the entireties
NO. 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
AFFIDAVIT OF NON-MILITARY SERVICE
BEFORE ME, a Notary Public, personally appeared ROBERT E,
MYERS, Attorney for Harris Savings Bank, the Plaintiff in the
above-entitled case, who being duly sworn or affirmed according to
law deposes and says that the Defendant or Respondent above-named
are not in the military service of the United States of America;
that he has personal knowledge that the said Defendant or
Respondent Mary E. Bair is now living at 842 Bosler Avenue,
Lemoyne, PA 17043,
SWORN and subscriped to before me this
---L.r:L day of '-b.' k-t" , 1997,
,
~7A-W._<'A/ \')(~
NOT;{RY PUBLIC ~
My Commission Expires:
t,OT Aflll'L S~AL
t.~"f'" (l Vl.!rH:VJIJ, Notnry PlJbllc
O;iisll,j':1 11010 Ymk C('lIMly
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FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
VS,
MARY E. BAIR, surviving
tenant by the entireties
NO, 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St,
Philadelphia, PA 19106
AFFIDAVIT OF MORTGAGE FORECLOSURE
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF
tt-~_L
PURSUANT TO Pa, R,C.P. No. 3129.1, the Plaintiff, HARRIS
SAVINGS BANK, by its Attorney, Robert E. Myers, Esquire, makes this
Affidavit that the last known addresses of the Defendants are as
follows:
Mary E. Bair
842 Bosler Ave,
Lemoyne, PA 17043
United States of America Federal Building
228 Walnut St.
Harrisburg, PA 17101
c/o Janet Reno, Atty. Gen
950 Pennsylvania Ave.
Washington, D,C. 20530
Further deponent saith that the said addresses are
believed to be the last known addresses of the owners or reputed
owners of the said property levied upon in the within captioned
FIRST FEDERAL SAVINGS &
LOAN ASSOCIATION, now,
HARRIS SAVINGS BANK
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION LAW
I
I
VS.
MARY E, BAIR, surviving
tenant by the entireties
NO. 0185-CIVIL 1997
IN MORTGAGE FORECLOSURE
and
UNITED STATES OF AMERICA
c/o United States Attorney
U.S. Courthouse
601 Market St.
Philadelphia, PA 19106
NOTICE TO LIEN HOLDERS PURSUANT
TO PA,R,C.P. NO. 3129
LIEN HOLDERS AND ADDRESSES:
NOTICE IS HEREBY GIVEN to the following parties who hold one
or more mortgage, judgment, secured transaction or tax liens
against the real estate of MARY E. BAIR, widow.
Harris Savings Bank
Second and pine Streets
Harrisburg, PA 17101
Mtge. Dated: 9/7/84
Mtge, Recorded: 9/10/84
Mtge, Book 760, page 454
$37,000,00
Cumberland County
United States of
Federal Building
Harrisburg, PA
America
228 Walnut
17101
St,
c/o Janet Reno, Atty. Gen
950 Pennsylvania Ave.
Washington, D,C. 20530
Beneficial CDC
3368 Paxton St.
Harrisburg, PA 17111
Mtg. dated 5/4/87
Mtg, recorded 5/8/87
Mtg, Book 863, p, 584
$6120.00
You are hereby notified that on Wednesday, December 10, 1997,
at 10:00 A.M. prevailing time, by virtue of a Writ of Execution
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Lawyer Referral Service
cumberland County Bar Association
Cumberland County Courthouse
Carlisle, Pennsylvania 17013
(717) 249-1133
7, A Schedule of Distribution being a list of the persons,
governmental, corporate entities or agencies being entitled to
receive part of the proceeds of sale executed to be disbursed by
the Sheriff will be filed by the Sheriff on a date specified by the
Sheriff not later than thirty (30) days after the Sheriff's Sale,
and that distribution will be wi thin ten (10) days thereafter.
Information about the Schedule of Distribution may be obtained from
the Sheriff of the Court of Common Pleas of Cumberland County,
Pennsylvania, Cumberland County Courthouse, Carlisle, Pennsylvania,
17013, (71'1) 249-1133,
8, In certain situations where the property is worth less
than the judgment and costs, Harris Savings Bank can obtain a
deficiency judgment upon which execution could again issue against
other property of the above Defendant.
9, THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE
OF YOUR PROPERTY. It has been issued because there is a judgment
against you, It may cause your property to be sold or taken to pay
the judgment. You may have legal rights to prevent your property
from being taken. A lawyer can advise you more specifically of
these rights. If you wish to exercise your rights, you must act
promptly,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
FREE LEGAL ADVICE.
Lawyer Referral Service
Cumberland County Bar Association
Cumberland County Courthouse
Carlisle, PA 17013
(717) 249-1133
10. THE LEGAL RIGHTS YOU MAY HAVE ARE:
A. You may file a Pet i t ion wi th the Court of Common
Pleas of Cumberland County to open the judgment if you have a
meritorious defense against the person or company that has entered
judgment against you, You may also file a Petition to Strike said
judgment with the same Court if you are aware of a legal defect in
the obligation or procedure used against you. You may also file
a petition to Stay or Delay the Execution and the Sheriff's Sale
if you can show a defect in the Writ of Execution or service or
demonstrate any other legal or equitable rights,
B, After the Sheriff's Sale, you may file a Petition
First Federal savings & Loan Association
now Ilarris Savings Bank
vs
Mary E, Bair and United States of America
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No, 97-185 Civil Term
Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, says on Octobcr I,
1997 at 7:30 o'elock p,M,E,D,T" he posted the propcrty of Mary E. Bair at 842 Bosler Avenue,
Lemoyne, Cumberland County, Pennsylvania with a copy of Real Estate Writ, Notice, Poster and
Description according to law.
ORDER OF COURT WAS FILED TO MAKE SERVICE ON MARY E, BAIR.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the
abovc Real Estate Writ, Notice poster and description in the following manner: The Sheriff
mailed one of the within named defendants, to wit: Mary E. Bair a notice of the pendency of the
action by regular mail to her last known address at 842 Bosler A venue, Lemoyne, Pennsylvania
17043. This letter was mailed under the date of October 29, 1997. Certilicated of Mailing
receipt is hereto attached.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the
above Real Estate Writ, Notice poster and Description in the following manner: The Sheriff
mailed one of the within named defendants, to wit Mary E, Hair a notice of the pendency of the
action by regular mail to her last known address % Thelma Phillips at 806 Front Street, New
Cumberland, Pennsylvania 17070. This letter was mailed under the date of October 29, 1997.
Certilicated of Mailing receipt is herelo attached/
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he made diligent
search and inquiry for one of the within named defendants, to wit: United States of America
c/o United States Attorney but was unable to locate them in his bailiwick. lie therefore
deputized the Sheriff of Philadelphia County, Pennsylvania to serve the within Real Estate Writ,
Notice, poster and Description according to law.
PHILADELPHIA COUNTY RETURN: Served and made known to samc by handing a true
and attested copy of the within issued in the above captioned matter on October 7, 1997 at 10: 17
o'eloek A.M., E.D,S.T" at 615 Market Street in the County of Philadelphia State of Pennsylvania
to Sherri Barhcld agent or person for the time being in charge of defcndant's of!ice or usual place
of business. So answers: John D. Green, Sherin'by Juan Hughes 11482, Deputy Sheriff.
Philadelphia County return herelo allached.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the
above Real Estate Writ, Notice poster and Description in the following manner: The Sherin'
mailed one of the within named defendants, to wit: United States of America c/o United States
Allorney a notice of the pendency of the action by certilied mail marked DELIVERY ONLY TO
ADDRESSEE, to there last known address at U,S. Courthouse 601 Market Street,
Philadelphia,Pa. 19106. This \cller was mailed under the date of September 29, 1997 and was
returned within FORW ARDING ORDER EXPIRED. Letter is hereto allached unopened.
R. Thomas Kline, Sheriff who being duly sworn according to law, says that he served the
above Real Estate Writ, Notice, poster and Description in the following manner: The Sheriff
mailed one of the within named defendants, to wit: United States of America c/o United States
Allorney a notice of the pendency of the action by regular mail to thcre last known address at
U.S. Courthouse (,01 Market Streel, Philadelphia, Pa. 19106, This letter was mailed under the
date of October 7, 1997 and was returned on Octobcr 14, I 'ill? wilh rcason chcck as Forward
Ordcr Expired. Letter is hcreto attached unopcncd.
It Thomas Kline, Sheriff who bcing duly sworn according to law, says hc madc diligent
search and inquiry for one of the within named defendant, to wit: United Statcs of America %
Mary Katherine Frey Esq, but was unable to locate them in his bailiwick. Ilc thcrcfore dcputized
the Sheriff of Dauphin County, Pcnnsylvania to scrve thc within Real Estate Writ, Notice Poster
and Dcscription according to law.
DAUPHIN COUNTY RETURN: And Now: Octobcr 2, 1997 Ul 9:23 A.M. scrvcd thc within
Real Estatc Writ, Notice Poster and Dcscription upon Unitcd Statcs of Amcrica by pcrsonally
handing to Cindy Long Rcceptionist Itruc attestcd copics of thc original Rc,lI Estate Writ,
Noticc, Postcr and Dcscription. And making known to hcr thc contents thcreof at c/o Mary
Katherine Frey Esq., Fedcral Bldg. 228 Walnut St., Ilarrisburg, Pa, So answcrs 1. R. Lotwiek,
Sheri IT
Dauphin County return hcreto attachcd
R. Thomas Klinc, Shcriff, who bcing duly sworn according to law, says that he served the
above Real Estate Writ, Notice, Postcr and Description in the following manncr: The Sheriff
mailed one of the within named dcfendants, to wit: United Statcs of America % Mary Kathcrine
Frey Esq. A noticc of the pcndency of the action by ccrtilied mail mark cd DELIVERY ONLY
TO ADDRESSEE. To hcr last known address at Federal B1dg, 228 Walnut Street, Harrisburg,
Pennsylvania 1710 I. This lellcr was mailed undcr the date of Scptcmbcr 27, 1997 and was
rcceived on October 2, 1997 with rcturn reccipt card signcd but not rcadablc. Return receipt card
is hereto attached.
R, Thomas Klinc, Sheriff, who being duly sworn according to law, says that he served thc
above Real Estate Writ, Notice, Postcr and Dcscription in thc following manncr: The Sheriff
mailed one of the within named dcfcndants, to wit: Unitcd Statcs of America % Mary Katherine
Frey Esq. a notice of the pendency of the action by regular mail to her last known address at
Federal Bldg. 228 Walnut Street, lIarrisburg, Pcnnsylvania 17101. This lellcr was mailcd under
the date of October 7, 1997 and was nevcr rcturncd to thc Shcriffs Oflice.
R. Thomas Kline, SherifTwho bcing duly sworn according to law, says that aficr duc and legal
notice had been given according to law, exposcd the within dcscribcd prcmises at public venue or
outcry at Court House, Carlislc, Cumberland County, Pennsylvania on Deccmbcr 10, 1997 at
10:00 O'clock A.M. E. S. T. And sold thc samc for The sum of$ 1.00 to Allorncy Robert E.
Myers Attorney for Harris Savings Bank, 2nd & Pinc Strcet, Harrisburg, P A 17101. It being the
highest bid and bcst price reccivcd for same, Ilarris Savings Bank, 2nd and Pine Strcet,
lIarrisburg, PA 17101 bcing thc buycr in this Execution paid SherifTR. Thomas Kline the sum of
$ 2,767.23, it being poundagc ctc. Sheriffs Costs listcd bclow, Sce allached distribution sheet for
additional costs.
SHERIFF'S COSTS:
Docketing
Poundagc
Posting Bills
Advcrtising
Acknowlcdging Dced
Auctionccr
Law Library
l
,
\
30.00
54.26
15.00
15.00
30.00
]0.00
.50
"v
2.1.0 .
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LA W JOURNAL
(Under Act No. 587, approved May 16, 1lJ21)), P. L.17X4
STATEOFPENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Rogcr M. Morgcnthol, Esqulrc, Editll1' of the Cumberland Law Journal, of the County
and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the oflicial
legal periodical for the publication of all legal notices, and has, since January 2, 1952, been
regularly issued weekly in the said County, and that the printed notice or publication allached
hereto is exactly the same as was printed in the regular editions and issues of the said
Cumberland Law Journal on the following dates,
viz:
OCTOBER 10. ]7.24.1997
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of geneml circulation, and that he is not interested in the subject
mailer of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements ll.S to time. place and character of publication are true.
JUtAL ATAn: IIALE !f0. 211
Writ No. 97.185 ClvtI T<rm
F1nll F<d<ra1 SavlnR' &.
Loan AssoclnUon. now
lIarrl. SavlnR' !lank
...
Mary E. !laIr nnd
Unll<d Slak' or Am<riea
Ally.: Rabort E, MY<nl
LEGAL DESCRlP110N
EXHIIlIT "N
ALl. TIlAT CERTAIN hou"" and
lot or ground ollunt< In th< Iloroullh
or L<moyn<. County or Cumborland
nnd State of PennsylvllIlln. bounded
and d~cr1brd 0.... follows. to w1t:
SWORN TO AND SUBSCRIBED before me this
24 day of OCTOBER. 11)1)7
L/
N rA Al SEAl
lOts E. SNYDER. Nolary PIIblic
Corll~e Bora, Cumberland Coumy 'A
My Comml..... [api'" Mon:h 5, ioo I
Writ No. 97.185 CIVU Term
Flnol F<drral SavtnA" /!r
Loan AS8oc!EltJon. now
Ilarrta SavtnA" Bank
va.
Mary E. Balr and
United Stale8 of Amertca
Ally.: Roberl E. MY'no
LEGAL DESCRIPTION
EXII1BIT "A"
AU. TIIAT CERTAIN hou"" and
lot of "round sUuate in the DorouJ(h
of umoyne. County of Cum~rland
and State of ITnnsy!yunln. bounded
nnll drscriUnt 3.." rollCJ\W. to wtt:
BEGINNING al a point on the
southern Une of Bosler Avenue at the
dlvtdlnA line between LoI. No.. 89
and 90 on lhe herelnafter menUonM.
Plan of Lo18, Illlld polnl belnA 40 feet
measured eastwurdly along the ""UUI'
em line of Bosler Avenue from the
80ulheasl corner of said Boslrr Ave-
nue and Ninth Street; UlCOtt In B
westerly dlrecUon alon~ the southern
llne of Bosler Avenue 21 (("("t. more or
less. to 0 point on the 1111(' (JasslnJ,!:
through the crnler of the partltJon
wan of the double two and om~.half
story brtck dwelllnR house erected In
part upon the LoI heretn described;
thence In 8 southerly dlrrcUon aIonR
said lloe through fur center of said
partlUon wall and beyond 150 feel,
more or less. to Apple A11~: thence
in an easterly direction olon" Lhe
northern line of Apple Alley 21 feel.
more or less. to a point on lhe dlvtd.
InA line between 1018 NOll. 89 and 90
on said Plan: lhence In n northerly
dtrrcUon along 8a.Id last menUoned
line 150 feel 10 the place of BEGIN-
NING.
BEING a poruon of LoI No. 89,
BlockGon the Plan No. 10fRlverlon.
now the Borough of Lemoyne, reo
rord<d In Plan Book 4.1. Page 40.
BEING Improved wtth one half of
a brick semi-detached two and one.
half .Iory dwel1ln~ hou"" wtth de.
tached on~-car garage known as 842
Bosler Avenue.
BEING under and subject. n~r-
lhele99, to ~9tJ1cUon9, condlUons.
easement.. and r1fthts-of-wny of prtor
record pt'rtnlnlng to Mid premise..
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No 587. Aooroved Msv 16 1929
Commonwealth 01 Pennaylvanla, County 01 Dauphin} II
Frank J, Epler being duly sworn according to law. deposes and says:
That ha Is the Controllar at THE PATRIOT.NEWS CO., a corporation organized and existing under the lawa 01 tha
Commonwaallh of Pannsylvanla, wilh lis principal ofllce and place 01 business at 612 to 616 Market Straet, In the
Clly of Harrisburg, Counly at Dauphin, Slata of Pennsylvania, owner and publlshar of THE PATRIOT.NEWS and THE
SUNDAY PATRIOT.NEWS nawspapers of general circulation, printed and publlshad at 612 to 616 Market Street, In
tha City, County and Slala aforasald; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established
March 4th, 1654, and September 16th, 1949, raspactlvely, end ell have been continuously published ever since;
That the printed notice or publication which Is securely atlached hereto Is exactly as printed and published In
their regular dally and/or Sunday and Malro editions/issues which appesred on the 21st and 26th day(s) at October
and the 4th day 01 Novamber 1997. That nallhar he nor said Company Is Interestad In the subject matter of said
printed notice or advertising, and that ell 01 the allegetlons 01 this ststement as to tha time, place and charactar of
publication ara true; and
That ha has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verily this
statement on behall of The Patrlot.News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors 01 the said Company and subsequently duly recorded In
the office for the Recording of Deeds in and for said County of Dsuphln In Miscellaneous Book "M",
Volume 14, Page 317. _,' -/.. - 5~
PUB~~Cp~TION L swo~ t;;Z~~~:--~~~-;a~n-~an)I{:r-~;;7--A.D.
SALE .29 HOI"",1 Su,l ..u' . , -
l Ru,...o\I,IIoW Pu...../ <J /7 ' /'.//7?
TorrY. D'UI'hlO . .~~ C'
...,=~E,pr.~Junu OrARY PUBLIC
....,....:'I#fJ~s5Ion expires June 6, 1998
~,
1lEA~, Wflr' 29
~k
~
~-~
OJMBERLAND COUNTY SHERIFFS OFFICE
COURT I-OJSE
CARLISLE, PA. 17013
lfGAL DESCRIPTION
,. AllIHAI CERTAIN hou!e and 101 of grOO'd
situate In the Ilo< 01 Le/n9vn8. County
. ofCu Slotool~
, bounded "bod '" IoIows. 10 1<o1t:
,BEGINNING 0 poInl on the SOU1I1em Una
01 Bosler A enue, 01 the dMdlna line
between Lots Nos. B9 ond 90 on the ners-
tnarlllI montlonod PIal 01 Loll sold point
tleIng .vJ feel measured eatwady otong
the I<lU!hem Ihe 0I1lolIet Avooue ~om th8
IOUtheost Cornel of sold Bosler Avooue
and NInIt1 S1reet. fheoce In a westlll!y
dlrecllon oIona tile southam line 01 BosIef i i i
Avooue211eel. momorleS\ 10 0 poinl 00 sher' s Rece pt for Advert s nO' Cost
tile Ihe oossIna _ "'" CM"" nf '"'
I HI: t'AI HlU I.Nl:W8l.;U:, pUDllsMr of THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
clrculallon, hereby acknowledge receipt 01 the aforesaid notice and publication costs and cartlflas that tha aama have
been duly paid. THE PATRIOT.NEWS CO.
Statement or Advertising Costs
To THE PATRIOT.NEWS CO., Dr.
For publishing the notice or publica lion attached hereto
on the above stated datos $
Proballng same (1) Notary Feels) $
Total $
211.56
1.00
212.56
By....................................................................
SHERIPP'S RETURN - SUMMONS/COMPLAINT
~
rfrJ~ ~r~t.1 ~. 01- L COMMON PL EAS NO. q 7 -I y 1-
COUNTY COURT
VERSUS TERM, 19
L\St1 C/O 4S N~ NO. F VI.; '" ? Co
SERVED AND MADE KNOWN TO
~
o Defendant
~efendant Com pony
by handing 0 true and ottested copy of the within Summons/Complaint, issued in the above captioned matter
on <<lLJ- 7 , 19 ~L_ ,at 10 :17 o'clock, IJ M" E.S.T.lD.S,T.
,,~l:..-tSI: '. r;-rr- .- - '0 .. C,",I, ,I Phll"'.lph"_
State of Pennsylvania, to _ ~-,-._a~x.__.<:-L_
o (1) the of ores aid defendant, personally;
o (2) an adult member of the fomily of said defendant, with whom said defendant resides, who stated that
his/her relationship to said defendant is that of _..
o (3) an adult person in charge of defendant's residence; the said adult person having refused, upon re-
quest, to give his/her name and relationship to said dei~~danl;
o (4) the manager/clerk of the place cf lodging in which said defendant resides;
~. (5) agent or person for the time being in charge of defendant's office or usual place of business.
o (6) the . . and officer of said defendant Compony;
So Answers,
JOHN D. GREEN, Sheriff
B,~~t64y8L
13.38 (R... 12Al7)
R. THOMAS KLINE
Sheriff
of <lIulltb
,\,\~ 2l"l
I~l' ,;, q..,o
, ,
~ ~ i1'''il
;:'<1~.~~';7~-/i"8
'Ll; -.:... !~-=iL~;.! ~..
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l:~....-..~~.,..~~I.',
~~~....i~~' !~,:::'
-.'~ ')(J,:=;?~"J-
RONNY A. ANDERSON
Chili Deputy
HORACE A. JOHNSON
Solicitor
OFFICE OF THE SHERIFF
AUDREY G. ADAMS
ROIl E.toIe Deputy
Court House
Carlisle, Pennsylvania 17013
September
TO: Hon. J. R. Lotwick
Sheriff of Dauph1n Co.
Box 1067
Harrisburg, Pa. 17108
RE: Writ No. 0185 Civil 1997
arst federal Savings & Loan
Association now Harris Savings Bank
vs
Mary E. Bair and United States of
America
Dear Sir:
Enelosed please find writ of
REal Estate Writ, Notice Poster and Description
to be served upon
Federal Building 228 Walnut St.. Harrisburg, Pa.
United States of Americ,~ Mary Katherine Frey Esq.
in your County.
Kindly made service thereof and send us your bill of costs and I will mail a check for
same, or enclosed is advance costs which you request.
Very truly yours.
f.':'/J1.~~'!"~ ..~a<.'
R, THOMAS KLIXE. Sheriff
Cumberland County, Pennsylvania
Enclosures: