HomeMy WebLinkAbout97-00249
\
)
)
...
~
:::..!
~
"
~
\J
~
'l..
."
"''''-..
......
.-~
-' -
--
-'
:--..
~
.:)
'-J
Ci3'
~I
t:---
'3- i
.
~
'~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PNC BANK, NATIONAL ASSOCIATION, NO.: 97-249
s/b/m/t CCNB BANK, NATIONAL
ASSOCIATION,
Plaintiff,
vs,
KENNETH K. KELLEY and
DEBRA L. KELLEY,
Defendants.
PRAECIPE TO SETTLE AND DISCONTINUE
WITHOUT PREJUDICE
TO: PROTHONOTARY
SIR:
Kindly settle and discontinue without prejudice as to
Defendants in the above-captioned matter and mark the docket
accordingly,
O'KEEFE, GRENEN & BIRSIC, P,C.
BY:
~~ ~
C.4..L- ' ~.e__
Attorneys for Plaintiff
this
, 1997.
Sworn
",--
l~.---...
~ -' '~.
..--..-
i,-;--,:',.,d ;,
--l
-'
',,"
'>- U') 'r
t:: - .
.... ':'\.1'
\- ..
UJ~) - );.;;
-
~~: :'11'.: .. ,
.....~
~:: '12
~'
c' u:> ',,,')
f' :J:i~
,,0 I .-~
.-ju. >- ~;-'tO
u:: . ..~ ':10-
,J.., x:
t; .-- :J
C1' U
PNC BANK, NATIONAL ASSOC"
SIBIMIl CCNB BANK,
NATIONAL ASSOCIATION
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION . Mortgage Foreclosure
vs.
NO. 97-249
KENNETH K. KELLEY and
DEBRA L. KELLEY,
Defendants
fREllMINARV OBJECTIONS.
AND NOW COME Defendants, KENNETH K. KELLEY and DEBRA L. KELLEY,
and present the following Preliminary Objections to the Complaint:
1. Plaintiff is PNC Bank, National Association S/B/M/T CCNB
Bank, National Association whose address is 539 South 4th Avenue,
Louisville, KY 40202.
2, Defendants are Kenneth K. Kelley and Debra L. Kelley, who
reside at 24 Waverly Drive, Hummelstown, PA 17036,
3. Pa,R.C.P .91142 indicates venue in an action of foreclosure lies
only in the county where the land or part of the land is located.
4, The real estate subject to foreclosure is located at 24 Waverly
Drive, Hummelstown, Dauphin County, Pennsylvania. As Plaintiff alleges
in their Complaint.
5. Venue in Cumberland Count is not proper.
SHERIFf'S HETURN - OUT Of COUNTY
CAS~ NO: 1~97-~0219 P
CIJI1110NW~:ALTH OF P~;NNSYLVANIA:
CIJIJNTY UF CUI1B~RLAND
t
(
\
,
PNG BANK. NATIONAL flANK ETC
VS,
K~I.I.EY K~;NNETH KET AL
_R. . ThgmOls I{.l,i.ne
, Sheriff, who
being duly sworn according
and inquiry for the within
to law, says, that he made a diligent search
named defendant, to wit: K~:I.' ,~Y K~NNETH K
but WOlS unOlbl~ to tor.Olte
d~puti.zed thQ Dheriff of
Him
i.n hiD bai 11 wick. lie therefore
I)AIJI'Il[N CUIJNTY
,County, Pennsylvania,
to serve t.he wi. thin CUI1PI.A INT . I1IJRT FIJR~
Un,.,!,OlnUOlry :Hst,
the attached return from
1']97
J this office was in
DAIJPIlIN GIJIJNTY
County,
receipt of
Pennsylvania.
Sheriff's Costs:
Docketing
Out of County
Surcharge
DAUPHIN COUNTY
So answers:
lH,00
9,00
2.00
35.25
$b4,~~ O'KEEFE, GRENEN & BIRSIC
01/31/1997
II, Thomas K1J.ne,
/ __ r
~herJ.ff
Sworn and subscribed to before me
this l'\!,- day of l...{(,...~~.y
19 q? A.D,
(1141!~ 0 ,fh...{ O.Lo~ LOn'C.
'---/' Prothonotary'''-'
SII[;RIF'F'S RETURN - OUT OF' COUNTY
CASE NO: l~97-0024Y P
CIJMMONWEAI.TH OF PENNSYLVANIA:
COUNTY OF CUMRERLAND
PNC BANK NATIONAL RANK ETC
VS,
KEI.I.EY K~;NNETH KET AI.
R. Thomgs Kline
. Sheriff, who
being duly sworn according
and inquiry for the within
to Jaw, says, that he made a diligcnt scarch
named defendant, to wit: KEI.I.~:Y DEHRA L
but was unabl~ to locate
Her
in his bailiwick. lie therefore
deputized the sheriff of DAUPl!lN COUNTY
to serve the within COMPI.AINT - MORT FORE
County, Pennsylvania.
On ,}anuary J1st,
the attached return from
Sheriff's Costs:
Docket'ng
Out of County
Surcharge
$8,00 O'KEEFE GRENEN & BIRSIC
01/31/1997
Sworn and SUbG~ribed~to befor~ m~
t.hi,s 1 ~ . duy of :/..J..~
ty 91 A,D.
q~"l""""" C Itlde..~ ,.(.~'
f. Prothonotary
I-
...
- , ~:.J"" C. , -....1-.--
:-:,,::.: __ . J I '-_., 1,a_li
:-:::;:...:.~ ~, '---~..-.;;::;, ~";"'- ......-:....."}I
~- .:::.,.:::.v I\/~~:::
I
PNC Bonk, National Assoriation
...
..,
. -,
Kenneth K, Kelley
;-;c.
97-249 Civil Term
:?-
;iow,
.lan. 16, 1997
:9_ !. s:~~: 0-: '=~G:::'=..!..}_';-:) CO~'""X':Yt ?..~ ~::l
:.=-_: b.:= ::.: :=.= ci
Dauphin
C.:c.:.:: :j ::::::-.;:,: ~ ',V:::,
:::::
. ,
=::o:.:::.=....-::::.
:.:d ~ .::i
?==.
.:::.::.;
-........
-
1: ==
-.-
'--.-.
r9f~~~
S:e"~ :t C:""-:'e:"'=r.i C':l.::=7. .....
A::ida.vlt or
- .
.::::~~':.~
;iow, ~9 -. o'.:..c , ,[, ,_-.:
.-....-
,.. \Ir('l.......
,-
',:::-:::1
..
'=:' =":-: ::>
.l. '--:-: c: :::: ::'.:-'.=1
,.
:.:c: _..,;. :=~ ::) .-. .-...,,-- .-..-.
....-..---
~Q ~.......=:.
_ci
C~~:rl
.. .... .. .
~ w::::. :: Co :..::::::::.="'..:e: :.e:=:-:
C~::':',J
S2.,V,C::
~ 2.Z. ".G:::'
s
=:~_=7:;:
10
.J.~.J..""t--::
__010-___.
s
.- '-..\
1
~
,-
.. ..
1;:: '_~wn Ci L':r71i'7l:;~i
.. ,- ...
I _____
_I
'--... .
..:. .-.1- "-.--.,. /1
,. - I," VI'I-~I-
_. .-.J, _..j~
PNC Bank, NiJt i()fldl ^BHO('iilt iotl
..,
. -.
Debra I.. Kelley
;10.
'J 7 - ;0 4 ') (' i ~d,L.li:J.JI1.
----.
:?_-
;;ow,
Jan. 16. 1997
:9_ !, s:~:?~: 0: C:'~r3:::'=":)_'D CO~~:-~:I ?~ ~:J
==-_-, c-::-..:= ~ :L'::: oi
Diluphin
C.:u:::: :j :..":::".:.:.: -:.:.:.s ',V;::,
~
, .
:::~==-'"':l
, ,
.: =; ::.:.:.:
.
1: ~
~.:=
=~
:-=~ .:i
,--
':I..:_~.:;o
..__t
.f' 1/';;'
~.,,~.~ '/;,.'
r' ..~,.--~ ~~~~
.
!aC'".:! :t C=:::C"'-1:d C.:c:y, ?:..
l ~, " .,...
.~C~71t or ~~:-n~
~lJ .1::-......::.
'~-'.E .1
C=u.::.:r,
=:~_::..,:f
!~-
CC~:',J
S!:'..V'!C
~1c::::..l.G:::
.>
.:o.v-::: :.::c :.:=--=-.:e: =-=::-:
1~.1'-
.___..t...
--~--_.
s
.- '-~
, ,
I a
~
~
,
i,1
."
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
s/b/m/t CCNB BANK, NATIONAL
ASSOCIATION,
Plaintiff,
vs.
KENNETH K. KELLEY and
DEBRA L. KELLEY,
Defendants.
10 .DeF<'.fIdq.h
YOU ARE HER~Y NOTIfiED TO PLEAD TO THE
ENCLOSED .m .11i, " r
,
WITHIN TWENTY (20) DAYS fROM SERVICE
HEREOf OR A DEfAULT JUOGlMEHT MAY BE
EN~ER AGAINST YOU.
~ .'.
c;t_f<_ e l'5",-< e, ~
AllDmeJ lor Y/ q, ~f,fF
I HEREBY CERTIFY THE ADDRESS OF THE
, ~INTlff IS
J jaJ ~ ....c vc....
LL,I'e J~IvJ:, ~P';o.J.
And the De dant iI
- ~m
11
S
/// {; --
r:. .c~ c ~
/'
.~:::t.-.'~__
ATTORNEY FOR
rH
CERTIFICATE OF LOCATION
I ,;, HEBY CERTIFY THAT THE LOCATION OF
THE REAl ESTATE AfFECTED BY THIS LIEN IS
j""tk ildM,er- T<J"'""J,;p
(CITY. BORO. OR TOWNSHIp) (WARD)
BY aa~ 2'- C-;.-_d:-L_
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
) PNC Bank, National Association,
) s/b/m/t CCNB Bank, National
) Association, Plaintiff
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
NO.: ';7
;1.4(t'
~'A. L~L
ISSUE NO.:
TYPE OF PLEADING
CIVIL ACTION - COMPLAINT
IN MORTGAGE FORECLOSURE
CODE -
FILED ON BEHALF OF:
COUNSEL OF RECORD FOR THIS
PARTY:
Charles C, Casalnova, Esquire
Pa. LD. #47734
O'KEEFE, GRENEN & BIRSIC, P.C.
Firm #023
One Gateway Center, Nine
Pittsburgh, PA 15222
West
(412) 281-7650
4, On or about August 19, 1991, as security for payment of
the aforesaid Note, Defendants made, executed and delivered to
Plaintiff a Mortgage in the original principal amount of
$250,000.00 on the premises hereinafter described, said Mortgage
being recorded in the Office of the Recorder of Deeds of cumberland
County on August 26, 1991, in Mortgage Book Volume 1618, Page 364.
A true and correct copy of said Mortgage containing a description
of the premises subject to said Mortgage is marked Exhibit "B",
attached hereto and made a part hereof,
5. Defendants are the record and real owners of the
aforesaid mortgaged premises.
6. Defendants are in default under the terms of the
aforesaid Mortgage and Note for, inter alia, failure to pay the
monthly installments of principal and interest when due.
Defendants are due for the December, 1995 payment and subsequent
payments thereafter.
7. On or about February 27, 1996, Defendants were mailed
Notices of Homeowner's Emergency Mortgage Assistance Act of 1983,
in compliance with the Homeowner's Emergency Mortgage Assistance
Act, Act 91 of 1983.
8. plaintiff received notification from the Pennsylvania
Housing Finance Agency that Defendants' application for Homeowner's
Emergency Mortgage Assistance Loan had been denied on June 5, 1996
and July 18, 1996. True and correct copies of said Notices are
marked Exhibit "C", attached hereto and made a part hereof.
9. On or about February 27, 1996, Defendants were mailed
Notices of Intention to Foreclose Mortgage in compliance with Act
6 of 1974, 41 P.S. ~101, et seq.
follows:
10. The amount due and owing Plaintiff by Defendants is as
Principal
Interest through 1/13/97
Late Charges through 1/13/97
Escrow Deficiency
through 1/13/97
Attorneys' fees
Title Search, Foreclosure
and Execution Costs
$230,754.26
$ 25,704.79
$ 2,339.61
$ 3,415,68
$ 800.00
$ ],500,00
TOTAL
$264,514,34
WHEREFORE,
Plaintiff demands jUdgment
in mortgage
foreclosure for the amount due of $264,514,34, with interest
thereon at the rate of $64.80 per diem from January 13, 1997, and
additional late charges, additional reasonable and actually
incurred attorneys' fees, plus costs (inClUding increases in escrow
defiCiency) and for foreclosure and sale of the mortgaged premises.
O'KEEFE, GRENEN & BIRSIC, p,C.
BY:
:z:?--G: y-~ <:~.'. -~.-L-l~
Charles c. Casalnova, Esquire
Attorneys for Plaintiff
One Gateway Center, Nine West
Pittsburgh, PA 15222
(412) 281-7650
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
t
.
r
'.
-
~
..-
-,
I;
.'
.'
...
. .
Mortgage Note
~6~%9
..
ii;
!!
USL2~0.OOO,Oo
uAugust 19
,Iofll
FOR VALUB RBCBIVED. the tlIld<~ (herdnaRcr called 11M "IIo:TO~ promba 10 pl7 CCND Bonk,
~N,A, a olllonal banklnl bwlneu wodadOll acotCd by and uJ,tlDa WMlcr Ille la., or Ille UallOd SIal.. havlnl
III pal plato or buWl'" at 41041 CarlWc PIke, Camp HJJl. CumbcrlaDd CoGllt7. Pauuylvlllil.. (herdoallct
tho " IIInk") or 10 ~. onlcr. Ibo pr!ndpal.um or
TWO HUNDRED PIl'TY TII0USAND (1250,000.00 ) DOLLARS
lopthor with lol<rell on the uopold principal bol.""o 01 the ..10 m -.J,O '_~.!!_pareool plr OMUm, aold prln-
eSp.llnd intern. 10 be pdd lithe Umu and 10 the mlJlMr leI forth u followa. 10 wil:
'I
~
=
ai-weekly in the anount of $1,120.13
i
"Two IIlnlred F1fl;J' 'Iboo-.nd and 00/100 Dollar8 "250,000.(0). l&ldul _ aa &t..-id,
~rabl.. tiw (&) 7eanI frtlll the date hereof, I.oiether with I.Dterat 011 thoo llIl~id bal&noo
at the rate of Tm and ())e QJar1.er Percent (10.2&11), per &nnUII, -ulllriooipal and
Inu....t to be ~id In bl........ly 11l8ta1l..bentJI of ())e '"""-nd One Illnlred 'IWn~ and
13/100 Dollar8 (11,120.13) CXIIIIll!flOinI m the 6th daJ at ~, llllll and CClIlt~
each f~ (14) ""0 t.herMl'ter mUl the p'inci~l and intereat .... MI.7 ~Id,
",.. recu1Ar bl-weoltJ.y ~ta to be IIIOde her'lItnIalr oha.ll be __ b7 the 1anII' 0 deduatuw
the _t of each ~ m the dal.8 thoot """" aid ~t lei duo fl'CII . tran..cUm
acoount ..intJIlnod b7 the bon....... with the beM. If the b...oan.r failo to aintain a
tronoactlm &C(:(QJt with the bank arrJIar faU.. to ..lnl.8in a bt.1anoe in the I.OClCUlt
sufficient to _ t.he ~te co.lhd far herein Moen &aid ~)'IIOIlto .... due, the
00........ ohall be in default IDler the tenlo of thi.o _t and the tam. &&7 exerc1M
.U ..-II"" availAble to it upm a default. 117 tbo ootllCUt.1C1l of thi.o aar-t, the
00........ herein authorilea the bank to deduct till ~7MI'l1.8 l'eQUired to be lII<!e b7 the
oo~ undar the tenao of thi.o ~ note erd the A"""""P""lJ1ng lIG't8qe f.... tbo
oolTOllW'. t.renaaetloD aocount mintalned with tha bent.
It lei taderetood and aareed that the pravlellon far the peJllel\t ot principal and intBreat
ehall not alter or cI1anie t.be t.erea and ..t.w'lty of W. obUptim.
Bon........ to JlII1 real. estate taxee and preoent reoeiptll to bonk far verification prior to
............. 1at of """" yar."
lIthe oIIIoe maold lIaak(or tllCh othorplaco u dealpWed In wrltInJ by the ~barool) &Ildahen aI&o, ltom tlmo..
limo, ull1&a1d clebC &lid lnIereet be l\I1Iy paId,....." &lid bop alive, by peylq theDO<<OW)'pacmIuma udtlw1eaoo
eudI pollc)< or poIklca m'" atonD, o.ploeloa lnanooo. wu clam... __. 0<00 U)' IlId en other lnauranoe,
wblc:b the Bani, Ita 1lIl:CC-. ... wJ..., mey dtmand "" lbrthor eccurlty m aU! debt upoa tile bulldlnaa ud
Iatprov_ cIe&cribcd In the Mo,,- llOOO<llll&IlYI &lid eocuaflll lhIe:EobIJptJool; 0< OIly wlllcb mey be
beiead\ea ol1lClld 5&aldpoUdcO Ollneunne. olwlWuoevctkllllllObe ldwlth the Bani, Ita IIIOOOIIOfI or
-.... aallralu&lTOd _rly redelcml &Ild Iwn>"ed u~ _tlDa 1llOrtp&<0 eLa....
aIlac!lod, uulUJ1 ot.a1d poUac.1o be I\nnIIbed 10 ..ldllaok eelcaat....u m day. brliJn: the apln.tlon m
&aid poIIoIae; III the oveal m Iou or c1am&&e, the JI'tlCCC'iI c:4 &aid InaIlmlCII ahaIl Li pUllo Boak alooO, Bank II
_10 a4Juet &lid ~......d"lUCh I.. wlthOat the _ oIJlorronr,lo ooIIecl, .....m.&lIdracelpl lor ouell
~ 10 tile IWllO m 8a &lid Borrower, &lid 10 ealonollorrowor'OlWllll upoll UJ1 oheck II pI)'nlODt theroo(,
llecll proccodo ahaII be applIod Iowad relmbonemool m aD OOIlIand.._ orBmk III oollcc:iliJ aU! proooodo,
uuI_anlllle _at c:4 en amounU P&7eb1o by Barrowotto Bonk boteUllder,IlId!owen! tile PAP*" mthe
Iodeblodneao eocumI = or IIl)I patloo lhmd, wbtthet or DOC then doc or Pl7able, or Bonk 0\ Ita 0I&n. mOl'
'l'P1y &ald1Daurlncc> or an7 p&rt therooI'lo the repm or rtboildina ohald prcmlecL In the...at m aaIo OCthe
.raDlece 00 I\>n:cIorure, the OWlICtIblpolall pol!cIoe mlneurenoe a!uJJ pea 10 the purth_ ol.aId ullllldBorrowcr
hc..by ~ IIaak lu atton.ey.IJ>.l'ace, 10 Ilorrowor'o ...... to UI!,i:a and trwul'er all .uch pollcloe 10 .udo
pe.I'C!\out.'1'be IIom>wer a!uJJ eIaopay,lroan lItao 10 tlme.1lll!I1 aaId dobteod bllcrell be IIlD7 paid, en tueJ, wlllct IIId
_err_1IId en clw,.. and claim. ....ao.dor Ievkd ot enyllme. _ orl'utlllC, by IIl7lawfallvthorlly upoa
the II>JItIqOdpremlaoa, which by IIl7 prcunI or I\JtunlIaw or Laws Wllbavc prtorll71n lienor plymcIlllOtlie debt
~ by thll OOIiptloo, and IOCW'Od by aaId Mor1p&e, wllcn and.. the wnc .hall bc<:cmc due ud PlJoble,
OlidahaB eIao axhIbIllo&ald Banlc, Ita 1UCCeuar1 or uallal. recdJlll for en tal... "'atet and...... nnu u_ed upoa
or lIllcpebletoth. mortaaPd property, It the om.. oI'ield DiM, or It lUCb other pUce u may be doailnated by laid
Buklo wrlu.,. wlthln twcoly( W)day, al\.er auch w.. or water or.....or 1'l<1lI.....I..l been payebl.... r_ wfthooe
doc ImpoeltJori m latereet or penaltIeJ, u ..en ao recelpo ror all oIber In.. or clwp. or c1a1me m every klnd and
aaIun! whkll by an7 Jl<'OenI or Mutolaw orb... maybe or bc<:cmo 0 u..lJlOlIlbe lllOI1&qod P"'P'Il7, priorln lien 10
. old MOItp&e,or whlcb maybe '" beoom"~1Il)I aont orllilure La"orLawa, fIrat d4fillialableor alIowab1. "'PIJ'
able before aaId deb<, out oClhe proc..w oCan7 cW aalo for ooIIoctloo orOalddebo,orlO d1Jtribotebla or a1lowlble
or payebl. OlIlmlbe proceed. oC&n)' other aaIo, ...ltbnullll)llT.ud or ruture dcLay.lben lhIa obIiptJoa to be
,0kl;olberwb.toremaID InMI f0100 and It bcIna uncIentoocl and 0Jr00d. bowner,lhaI upon the fallum mthe
Borrower.llorTmn:(. ,",In or Uliano. to ma!nlaIn aaIiIlaJoranoe upon lbe buiJdina, or 10 pay lbe wee, nJ.er and
_errcnll, or other charce1, clalll\l or ti..... al'on>aaId, the Denk.1u IUO<<l&IOf1 or wl&na. ma7101ute the bulldloal.
or pey auch IUCI, ..._ and _or n:nIJ or othor """-e or Ilcm. end lbe 10111I 00 advanoed by the DaI:,ltI
.ua:...on and ........ ahaII be pe= the 1IorTowet. ..... beln end lIIl&m.to the Denk.ltalUOt<lOO<Iand
uallJ11. andlhall IX added to lIl<I 0 pazloflbe plnclpal d,bC bereby ecall'Cd and &haJ1 bcarlatmollhmon at
the - Ktrorth Ibo'll ..In plld. y..:- . ..., " I
1-{II'..~+~t::$!': ..
.
,
~
, ,,4~ :M~:l;O,:n
,
,
,
n.llmowcrClMnlnuand qnn: Thll wllh 1110 peym.... dprlndpallDd In..,..1 be wUll>01lD Bank. pro
1111 p()f1joq otlhe w.... "_mlntl and lnI\RnClll prwnJwm oed to &eooml ctJe II eatiml1cd by the Bank 100 Lbal tho
B.n' wiO Iwrvo .umdtnl r.odoon handlD FOY I..... .....mtnl. and lnaunnco Plomlum. Wrty (lO) day. Worethe
dIN du lbenc(, Any do/Ic~ IhaIllmmllll.llly bo paid lD Bank by Berro...,. MonlyllO bold.haIl not bu, 1nlc..1I,
...... olbonill. Aqulred by I",. and, upoa d.rad~ may bo II'I'lIod by Bank oa.ccounl althe lllOItpaolad<bltdnOlL
IIIhaIJ bo lha raponIlbltily d tho Ilarowe, 10 IbmUh Bank wllh blIlIln IUIIlcImI tJmo lD pay \ut. belbr.the
ponalty _Ilea,
no Berro..., heRln.a- th.llnthe nml olthe peal&l, an.,the c1ato ollhll No!&, ohoy law alll1c Commoo-
... .~b oIPllIlllIyh .nla, deduc:daalrom lh. vII,," oIlh.l.nd far the PU'POII oIw.Uaa,1llY II..lhereoo. 01 chaaalna
In In,! WIY th.llWl DOW l.n loroefortbelu.lUonolmortpltl ordebtlaec;uredthu.by ror Ital.eOlloe&J purpoIea. or
tho mWll,oftlle collldJon dany luch la....lOu lDal're<llhelnllml alibi Dank, thOwbole duld prtllClpaI.UlD
",;wed by W. NOIe, toaelh<rwllh tile 1oIe..1I due the""", .ha1l, .llbo opdoadlhe UIIllI, 1mm.dial&1y becom. due
and payaOk
no Oomlwcr hutln I\uthc, ._. tbJIlfll>Y lnallllmeatollnlcrut be nat paid when duo, .ucl> Inalllllment.haD
bur In......."bo ,1I.lCllorth .bov. unUI paid. In the ev,nl thallOY _I pfovldod 10, bereln .haD b=m. om-
d.. tu. pnlod Inu.... olMoen( I 5) dayo, Berro.." qnt. top.y. "1.1' clwp" oIPlv."nll (51) far ueb dollar
10 onlll.. tu tile purpoee 01 delrayln...pc....lncldtat 10 Iwldllalthe dcllnqueat paym.at. Ancllbitber. Bam>W1r
_.110I 100000..y o,OII>c,wbe It...f,,UUI (.lther Iepl01 eqult.oble) to the pn..... deeaibod III the mortaoao
~thIa NOl' wilboul prlorwrlll<<l c:onuatbytllo Borrowe, to lbe aped/\c \reDifer, A lrIIuU,to the .wvlvara
__ 01 bdn rl tile Donowlt In the OVIlll oI_ct. 1Ie.tb .haD not """. wlthln the prohlbllloa 01 lhle
CIOVCllOlll.
PP.OVlDED. HOwnVER-and 111. hcroby CJpnIIly I&'oorl thel Ifel lOy time <I<(.ul1 be modo.. p'_oId
.aId orlach>oIlIInI. OIdtny In...n.- allnterUl OI{11'1mhunI oIIntO'IIlCe. U aIcnuJd, for the IpOCC allwmlJ;:J:lO
~ otdan:t lUClI., watc, aodlC'WCr rCltl, munklpe.laaeummrtJ orcharplISKued....u.tor upoa the mort
pra>lJeo U IllllUaId, or lilY pat tbmool 01 10 tile .Utihltlon oIthe ...ocIplJ la"'elI IDd wiler and lOWer ..all III
dhor ,.... 01 elwJea 01 da!ml e1....iiia, 011 01 Won the tlme h,relnefla .peclned lb, the OJblblUoo the rod, lb, the
IpeOe dtwlllly (20) d!'Y!J tho wbelll duld prtoclpeldebtOlIUlll loplh<r wl1b.D pnrolumo ollnaor..... wee,.._
Ind .._..... p.Jd ....,the_ _due and pIJobl..andJudam'ol fl1!Il' be eutred and ..ecuU.. may Iuue
fartlnri1b tu 1M collection dthe _..and aJIlnur.llheroon, logdherwllh aD /bee, toea and "pCll'" rlcolloctJaa
tho '1IIlI.ladwllnIIII aUoruoy'. camm1nloa d live pc< <<nl1lm (5%), Ill)IIhlna bereln contllocd to \be lXIllnty.
notw itIlIlandIq.
10 the....... dtbe tUInIdall 0I11ll' pol\lo1I oIthe pmQ" clcocrlbod 10 the IDOrI&IJO MCUtloa thIa NOlO "':3
'" ~ UDder the power d_domIla, th.emIre .word n:Illkred In.uobprocoodlnp ahIlIbepaldtoB
to bo towordrdmbwwmcotd aD cooIo and ..pmac.oIBllIlt In COIlIlCctloo with uldPl'O<lOOClblD and lD'I'
pay..- d oII0m00nl. paylble by Bcmower to Bw. UDde, the mortaqc IOC\ItInatble NOlO ind _ani tho pI)'IllOllI
dllle Iodc_ beRlJy...-. 01 IllY pcrtIoa theloo(, wbcthuOl DOt then dUe 01 p.yobll, 0I11en1 II III aplIaI,
may IjlpIy aold.wan!, a IllY pat tberod, "'.... rcpoIra nbulldloaduld ~deeai:ed buald DD1pp.
And Ilia boroby tlecllred thalW. obHptloa \I "oo.nl\Ollllld by Indeature oIMllIIlII'. d.... d.IIo bemrU,
rude bclw.... 001l'll'Ner end IIld Bant, aecUrtd upon ruf "tat. .ftullod 10 the
I. ,aid lnd,oture 01 MllII_ more pertlculorly dllcribed, and I. .object lD aD the IImu IDd _. d uld
M.",..,.,
AND PROVIDED lluthcr and 11 Ie hertby end Ibmby ..prouty ....ed thai In the eve.l dIllY breocb Il)'
Borrowor. oIlIlY cov...... conditiOll or.poemcat dlhll cblJplloa, a oIl1ld Mor1auI.II'baU be l.wM lor the
IIen1 to_, Upoll,O IOd ..or the laodo, buUdiop andpremllC. arI%llod by laid Moit&a&e to ICCUIO th\I obtip.
tJoo, 10fIlhc. with lI1c h<rvlcIilomeob end.ppulteaanccl, "'" cecb..a nery jlOlt _, and to tab _Ilonolthe
aeme ood 01 the 1b\W'ct, lPI'lloncCl aod Oqulpment thcn:1o calJllllneel, Illd 10 bo... bold, ........ 1._ to the
llorTowor 01 IllY Olber _ a _~~ opel'lle tho IIIllO In neb pon:elland on Aleb tenoI ond Ior.uob
per10da d llmt u IIen1 mey. In the IOIe d DanIr. deem proper, the IlorTowlW I&"lOlo& thallIorrowor IheIJ
ond wtlI, whmc_ ..qualed byBIlIlt 10 to do, uaJan, trani/or and dell"orOaID IIaaIt IOY neblo_or AlbI_llldta
<XllIccl ond realve aD 1'IlllI. _. IOd prolIlI dthe uId 1'_ _d 10........ thle m111..1nn and..cry pat
_.fOlwlKhtIU obIlpUon IhelI be .oumdOllI Wl1l'lJlt W_,OI not aueh Iceu arAlbl.... Ilea beeo .'lpod ta
Marfaqec, Ind to maIt.1foao Umo to limo aD all....tlonJ, nllOVltlOlll npelr1and ...placemOllll thereto u 1llOl''''''
JuclIclOOa 10 Dank, and eIlcr dcWclIna.", COIl ohny or .n lOCh all.AikU; .....1IlaoI, npelr1 and rcpllK:e_lI Illd
02jlC....1ncldcIll to ~ and,eta&Un, poawlon dlh.1Ild propcr1;)' "'" the rnanqcmcnl end oprretlcll tbereoI,
and bcpioa \be.ame property _eel, to.ppIy tho ...Idu. chuch.......'..... ""'pronll, IfIOY, arWo&u aIor"eId.
toll1c_IoIaDtu51wJco, c1.ImJI~_ wiler and...... renll ond_Olber1kmthot may beprlorlo
Ilea '" ___10 uJd 0' thlI OOIiplJoo and pnllIllWlll for .aId Insurance, with Inlercel the...... alO the
1_1Dd prlndpol cbo thIJ obDptJoo IDd .oc:ured by laid Indeoluro alMortpp. with all coIlJ and Illor-
ncy'. '-.10 mob onlora prtorily. u BIIllI, III the oolo lIacntlon oIBank, may dctermlne IllY l\.IIulo~w. CUllOm a
11IO 10 the COlltnuy ootwitlillonrl! M bolnl OXllAUly I&'<<d. how..., thel the lIkinaolpoolCIIIOll '" IlIIlt, uodar
thlI proTioIoe, ahoII not rdlcYlICl'f defoult which may hi... been made by Ilarrowt<,~' pm'olthe coIon:cllXlll dllrf
dtlle f1IDll<lIoa by lhII obIlpUooOllCoomPllrf1n& WlITIIlld Altorney aotllld Mor\JIaOpnl'iidodloc... al.uob
_ul~ Ind a IIlUrtho. ..pnuiy undIll1l00d and Ill=! tbJI th. rtmodl" by th\I obIJ&oa... "'" Womatol Attorney
ond .aId IndalIure provided lor the eoforcemenl oIlh, peymenl rl the prto;.lpellOlll .ocured by .aId MOlIpp,
lalClher wiIIllnt....lthereoo, u bmlllberore .pecI/1<d, and for the pctfCJtllWlOl 01 the ""'........ anIiUoru. oild
IlIJIlllllCII!&, IIlOlten IDd lhlopbenlo caotaIned, Of In uld Mortpp marrorlto. U'O ClIIlUIIlIve IIld oaocvrcol and
IllI)' be purs-.lllaaJy alUccmhtly orfO&elhe, eI tho sole dlJcio110o dlho Sank IOd may be ",rolacduollon.
DCCaJIoo t.herdbr Ifill) occur.
AND Il:lrth. puopooe dOlCUrlna llIld poco"dan oluld lllOft&II<d praolaea to BIIllI, 10 tho nool oI1OY_
. .,.....aId, Ilonowe,doe. hereby IUlhorl" ood .ml'O!'er lOy attomcyO( any courtdCommo. PI.. III IllY CaoalJ
oIl1le COCJUnOIlWeoIlh oIPtMl)'lvlll!e, a 0( IllY olher'court tho... 01.1"""'... u ellonloy tu lIorrower,. well 01
lor aD pcnoos ,laImlnl under, by, a tbrouah Dorrowcr, to .lfIlllll qnoment Icrenlerloa In IOY eomjlda1l ....rt.
oroI<.ble acllon In ejoclmeat IorpoolCAIon dtbe l'Rmb"ll'ealed by Slid MOft&qc. toattbo,withtlle berodJlImeoll
and appurteaancu. AI Yitll IS .11 n.tUI'CI, IppUancea and Ilq.iDaent dID" Dature wh..ltsoC'Ycr, Dew Of beruft.
In.tllled UpoDOII. uld morlJe&od prcmbll (irIthoullllY .tly cl OIe<U1lon or .ppeal) q.IInst .oId Ilonower ood d
penons Clelminl onder, by or throu&h Bo""..., and therein coale.. Jud&menl ra the """very by the BIII1 01 the
pouculao dthe seid Illllrtpp:d pralll... to&ctberwilh the hmdllomcnll.ad .ppwt,aIllCII. u w,II u IIIIl1tum,
applIances and oquipment clany nature whatsoever, now or hereafter Installed upoa or in IIJd I1'K>fI&I&ed prembn, rot
.
.
fi
.
.
, ;
~~
..
.,
whieh lhi. oblipdon (or I alp)' thereoherllledby .n-da,it) .blU be I lumelenl ~~,~be...Upoo Irthe BIllk 10
delino. . Wril 0( PO","loo mlY be lu1lOd rorthwllh, wilhool Iny prior writ or . wh_er, BOITow"
hereby rel,"I"llIIdqroel"lIO re""ethe BIDt, rrom IUmon IIIddefc<ll ll'holloe'.InIl1Iain&ItOCh ICtion IJl4I
orJlldpnllll1lld In "1II1na.uch wril or Wlil.1o be blllld, IJId In..y I"'OOOOCiIna theroo.orOOllC~mln&the .1m..1JId
thi"by qreelna \hit no wrh 0( lfTOtor objeelloa IheU be IllIdo or l.UulhenlO. povldedlhlllhe SIllk.1WJ he.. mod
In IUch oaJon on .mdlvlt mede by SIllk otoomeone OD beh.&lro(slllk MlIlaa rortlllh. r.elI "''-11)' 10 1WhorU.1ha
.Dlty or lUeh Judpnen~ 1CICOnll"110 lhe I<mlI or thII obUpdon, 0( nJcli r_ IUch oIlldovlt .holl be oooclllll..
....ioI1Ol,
And Borrow.. dooa IImby e_or .., Attomoy or IDy Crort or RoconI, wtlhJll the United StoIa or
lII..wh.....to oppelt ror Borrower In lilY Coon, and with or WI1houlI deoIorItlon nled, conJ'euJudlmealor JudanoDU
op1not S""""er, Bocrowe~1 bel" Ind IIIlpl1, In rl\'OC'orthe uJd S..... or ""1""'0<'1 or "'Ian.. II oIllij......
ror the Ibo,. prlnclpell\lm.lopthorwilhoce"or.ul~ IJld ~y'. axnmlaloool'n" jlClrcoDtum(S'l6) lbreaU...
t1oa. oc WhJCb~a.. ueca.don or uec:utions may.1UC fortlrNIlh. 011 r<ureto compl)' wtlh anyorthenrwvilt1om
oI'll1IJ Noco; h.re w&l'1na lAqul.lUon andoondemnetloD o(IDY property levied upon by virtue orlDYlUch II.....
Uon, IJld Ilaowlll lall':;;;;:'loe from Iovy and uJeon IDy IlI'OPOC11 U.e1 now II or IheI h<reafter rney be ..empled
IIIIdet IDY Aoc O(lhe A ,&ed with ....1....0(111 erron.
AND PROVIDBD FURTlfER,lIld it II h....by and _y e'_d1-.DIIlledondqreed tl1eIlnlhel'olODl
thoro II more thanoae Pitt)' - herein a I Borrower, the &lnJUwword, "Borrow'~', wbcriv......lUTtol berdD,
Ihall be dooo1od end IWD to .....tho plllRl.
AND PROVIDI!D FURTIiER, IIaI III "",en_, will'.... 0l>li0nI. Il4>ulotlono. prorniJn, ""'rtokJn&o.
-...... and riahll end beaentJ &Iv... 10, and obIilllloGa or Uabllltloo iaPoooil upoo,lIlilh and all or uJd per1Ioo
hCreto IbIlI ill"", to IlId bind dJemjoloUy II1d ..'.",lIy and IU, bla, ber, OIOlthelr. and.&ch orlllelr. rclpOcll,. "'in,
......ten, edmIDIIllIlor1. ..-uon IJId UIl&N.
~!
-'
.
-r
"!
.
t
..
. ,
. ,
,j.
~
~~::
(SBAL)
(SBAL)
(SBAL)
(SBAL)
1.0' ,
. .,
'~~~~~. .:-..
. i
I
I
,
~
;
EXHIBIT "B"
~
!::
~i~ 3Jnbenn:e
~:
..
~~
~,
t"~
I~
..
i:
!!
W" IIliI IUneteenth
000_....__ ninety-one
lD IbI '"' of cu 1Afd,
.., aI. August
elf H),
UTWUN
KENNETH K. KP4LEY and DEBRA L. KELLEY, hi. vife
c_ colIo. Iloo ......_. ...., uf ,.. InI ....
AND
COlB 8AHK. N."... natJonll banlh1. ..ocl.don crtaltd by IIId lIlt Una undu thl law. of Ole UnJI.d Sill... hl"lnJ
I~ p~nclp" pia", ollNlln... i1 th. SOl"'" of N.., CUmbfrbnd, CCIlnly .rCUmbcdllld Illd COIMIOIIwtillb.r
'-u~lual.. CMUiaafte, caD.d lhI Mortal".). plrtJ' 0( lbe ..c:ood ptr\
::
WUIUlAI. dI..... M......., euclrlld.... .1",.,.. to", W..... H...I. ~ Jdat,I,.I... 01
THO IIUNDRED FIFTY THOUSAND el 250,000 IDOLLUI,
...* ....... .. It.. ..... Nt te... III ." Not. ,.,.... .. I~. dm.. a" I. di. ....., .. .~ ID lII. ... N-..
.Iloo...... uf.oJd_(OI'lIClI....."... 0I~1a .......b71ho bol4or kndJ.... ....,.,tboM'__ u..
10..... IIItIl,oJd dobl..,n....... be Ml1 pol4, "Ibo --..y ....'_ ODd _... ..... poIJer 01 poll"" rI n,., ......
..pIooI.......--. ...-.. ""....... 01... "" IIId &IIodM, ~ _IboN_ ill ......... "'~'3
.......... LlmlIo UIDt..... aQ1 otW tw.dI. euu.ahW::I ud _11.- cL-,lW'" ru..u.r Jtall1t}'~" cSebt"'br
_IM-.......I':to:::...-~ -....... OI"'1.bltk..."bon_be..-.. ..._..............
polk'" .,.........'" .......... be lIopooI1od oldlbo ""'-"'_01 _Ip, ....1noIf....., by_
n......-.s * IppQTId -*..-. with Dl>>~.-ort&.. c1.".ltlIdlod.. aDd..,. reanralt c(tIte I&mI ao.. ft1rDkW
.. MId Worta... at........1O (1) ct.,. beb1 u...phOaa ~lbe '1IDt.11I iN IYUII cI.. Of ~ thI prootodJ: ol.aJd...
-"'Iiej.ld"~olooo.-~~"_IOd"""""""'o..d1b1_lIlo_~..ool
.... rtclII.. ... rfICd;pC f. ... ~ iD 1M ... cl Wo!\fl.pll.D4 u.on,..,:.r. US 10 CD6anI ~ ....
IIJlOI - dlIct g ")'CD~ tbareol. hclr. JC'OCIlIIdIIl.ID bI ~ IOwn r"-.... I at aU COCI Ia:.i a.,... r:I.
U_ Ia......... .... ..-.... ...... u. "/':"Q>\ 01 &II _ ..7...._'" ~ '" u.nu-.....
.....~ iad ~atd lbI ~ r:I dI.Il.,y."........ IIIC1nd bttIb)' or IlDJ p::lrtIai u.mor. .betb.i or 80C thn a.i or ,.,..
oWe,.. U_ 0I1u._ ...,. ..... Wd '-'- _ rI"',.... _10 lIlo __ 01 ..boJllIoo.,....,
~ aa-l6I ewtlt 0(...- ol tbI pnmlla 00 f<<tdOeure, 0..1 O'IWDt~ 01 &.II pd.JdN of bIItn.Qca 1haIf,.. to
lbI .....rc:tLMI, ... I&1d .s. aod. Wm,p,ar bIn.b,. .ppotm Noru.utoa ita a.lknlJ-blId. 10 Wort...n D&DI to MIlIa
u4 tr&IIkr aU IId:a poUcif:I to IlXh purth.ucr. And UIo. tar tfi. -pt,ymcm. ,~ t1mI .. tIttw. IUd W4 ckbI Uld __
be t.u)' ptJ4. 0( .0 t&.uI. ...tef Md InN(' null IJId .u <<be(- dlaraQl aod d.aIaw ~ << lm.d It IaJ timI. .,...
or t\&ttn, b7 &Dl1awfuJ a<becity, \IIlOG lha Proper1, Mribr JI"llUd, to IIICUl'I 1&14 ~ ~ br "1 ~ << fD.
,... Ia. ... 1&.. lball ...... JrioOI, '" llou 01 ..""'.. '" ,"" .... ...._.... ".... _ .., IIeln4 '" IJOo _
~bco .-4 . tbI N.mI tha1l bcc:aDa dol aad payab1l, aad lho for 1M ah'bItIon to IUd ~ ba ~ Of
01 f'IlClIiJlb fDt aU Wa. waIIr 'rod towV rtUI -..d \IpOCI 0( dw'Jtabb to .. o.ortPM!d. PfvPtrtl' It Ibt I6:t
01 w~ or at Il.da CIC.bIw plac:e at JILIl be 411ip!.t by t!WI ..0<<1..... 1.1 ~ W1lbln hNE (20) ,.,.
an. audl eu. or WI"- or ..... lUll MW beeD .-.nlI. . fan wttllod tbI lm(Olltbl. 01 &J:cn.& << tI-. II nil
· "',u '01 all C)(bef tu:II ex' chat.. or dah.. oI.w1}l tJcd or naturl ..wtb bY In}' piNla,t or t1Itun . << 1&", IUJ'
... or biIcoma . Ua:r. u.POa U. rnclI'tI&&ed prqlII'tl prior II tkrJ to ..u "orl~ or _bkJa IaIJ be cr bectmt. by .J prw.
<<Ill or f\ArI raw or 11.... ant cllitrfbuta.W. or t.llowablt 01 peylbk bc{on aMd cWlt. C1lI 01 u.. ~ cl &111 ;..skJ&J ...
....~tioa 01 aaid debr., or 10 dJItrlb.lLa..b&e or Illo1n.Wt or PI)'Itb DUI alibi pClOCll4l of uy ocbw N4k:I..II ... aa1
III CMI of .f8UIt 01 pa~ta u alolW&Jd, We for me PI)'lDl'lDt 01 .U ctlIU, ,. aDd ClpertIn af c:oIlldI.a.r lbI IolmI,
~na" .It:olOitY'. cocnm.Iatoa, at..... pet ccatua U.) IA1 ~rtt Iwtlcr lhIlllpCa faDurt Df Ulc ..~,
..art.Jqor'l..... Of ..!pI, 10 mal..atahlllJ4l..1'lnn.J1oe IIpOD the buD4Ulp. or 10 Pl1 t!I. t.a.I.eI., wa&er rub ud....., rwa lXotW
-- clUna ar Ita at ~,"aid, at. Norta.tJee. k.I.~ ud -~s,...,. _I&AI thlt ~ Of pi)' nciI tu.a,...
rwet:lMd......,NOtI OC'otMtchar)N. e1&ic!u or1kDl. and tbelUZl.1O adTlaC<<t bylbe tdM&IPI.lb..oc.o.cn U4 ...... ahalJ
"'_bylloo W...._. ~'boln...u"""lO~ ~ ..-......._ ....'boUboo4.W......
-..... "'~ """"... - - bo"">'and oW ....Ia_K.........1Iot _ lOt IortIl '" uld _ _ poId.
1110 ........ --........... n..owllh... """"'" rI '""'lpal...lD1o....' .. ~ po, 10 1M Nod&eooo . pro....
~ ollbltau,~.. ud Wuf'lOCll Pr'nll.umJDUI to baxmI dwI.. atlmtt<<I bJ~ ~.IOth.i U. ~
.... hot. aftId"" _.. kind '" ~...... __1IId Iaanooo......- ""111 (le) don __1M.... 4W_
AI1101o11d'lhoIJ -"'1)0" paid '" '~~'1oIooqt eo boldaUll "" bo.. Ioterut u,"- o<bonrioo '"'1-
"....,ud._dduolI,..."bo_by "-rltbo_hdobl-.UdoaDbelllo_lbl1I",rlllto
~ to -. U_ w1th wu. 10 tlmo.......... bIIcn......olI, -..
no 101...._ h<nIa _.... '" Iho"-.,,,,, ........... tbo..... rllhiIlI_ 01...,.1.., .,Ilooc-.
II\eInlaJda ct ......)hllll.l.. ~ II'CC1 0. 'nIue of t.bt llJ'ld 1M watb ~ .., Ha EbIno~ or ~ La
UJ ft1 ~ taft DOW 1u f.arce lor rial lLtatlo. 01 mc:wt,ppa 01 dtb4 IC(UJ'Cd l.bInboJ. lot en or Joc:a1 Jl:IIIPOMI. or U.
~ 01 tU coUIctl~ ofl.Dr IUdI w.., 10 .. 10 a&ct ~ lc.tnat of tbI ~ m. t:k wide ill MId JrledAl
--byIJOoU__w1o.U._,.. ""- oIl.u .Ika"""""ol,,", U__ r..
z:nedII&Ity bocoalt .. _d ~~bJ,i.
1110 W_'..1a -_ ....l("'1la1allauurllolu... be """us.........., _hloolallmnl aUllbe.-"
IIllbe '* HI fortb.. u.Id DOlI: aAUJ ~I.he I'TtCIl LILlI .)' pc:ym.ut proricW b 1ft t.ba Nt* MC'hd bmlry abaD beocac ortfo
...'....poriodlo"....rlnn-( ') U__IoP<<1'''''''".".-oIlln_I'')Ior_oIollareo-.
"''''~",-......... "'........IIot~~""_L _-'Iol__ 001"_'-
--...r1llloiolloo___(.lt...~.. 'I_pdor_ _.tbylloo~.....
IpIICIIdtrudtt. A tru.twlolU IIlItVtvcr or~DfWn oIdli1 Oftpp illllennldlbe W~ldNdI""" CCIQ
.1aIo lbo pnlIrlhl1Joo '" thIII .,.......
NOW11lIlIIHDBHTUlUI WI1NII!SEn~ naatboOlllUl_. OI..U '" ond la_rllM _dolo...
"'1bo.....--.lbo_oIlbo--,ual_u......al4....IboIaid~..-..OI........ood..._
.....rlolIpr-.a"'-..-......_..__IIIll<Ii>\p&I__OI"'"-.."""-'4.~..LIa
- oI'lUl _... ill.......... \bono( 01....... '" _ 01............. "'OlIo (11.00) DoIIir_
~........n ual~; paIil by Ibo laid ~ II ... ""'"' Ika""" IIId dcu.., rI_ _....Ibo.....
....." IlIoonby _ U_ kM........ ..........ool6... -..,ed, ualby _ _ cIoa...... bar&aIa.
NIl ... 0CII."7 aaC.o tke I CI1IlP. hi ~ 11I4 _..
=
,
I.W:H1I753369 CNfl 5001
KELLEY 022 CeN8-PORTfOLIO
i~:!11618pm 364
I.. '~l.' ..;...
2 .:.:.t.!!=:-~~fl~.. ~.~-;-::::..
I~
"
.
. .
,aovlDUJ, IIOWEVEJ.. thai la UN of lWaull .. "1 U.t, .. ",)'~a& r:l ...w pnndp&l deb!: Of IUm., 01 0( 1.11*.
..I 01 a.,1U 01 pmtlJlYN 01 LuUnDI.., or 01 aa~' pu1 ..~""f. _beg dIU ud r-YlbM ~wI1. '" ilic 1lIm.1 Iod toO-
ohio", 01 ~ otlliptioQ fgf tbllfe" 011-...11 (20) "11 At &lortloLid. Of '- 1M perlOl'aUlCl of aa, 01 .. GO........ .
eo .,. ....fUCIt. Iala or """ &ad ""'" tuItI Of dlolr.. ~ ,IAl/nl .. aloratJd, IblI wboU 01 ~ rril:KlpaJ dlbl 0I11lm
ud k11CRfI IbM upU4, ..... lbcrftlroa Il<<unI ~ aDd p.,.tu an4 u attJoa of alOt1,.ac fondOlw, lDI)' ... C1Om-
mcnmll lortb.-tUl oa lWI ..on.... Md ~ 10 Jw:Iaruun. aeaR.loo &nd -.1. for 1M wl*::tiaa Dllht: .bole ImOUl
al u. aid prilld,u d* Utti/- igt.mt lMnoa n.alalq LI'lpa14. LoI.tbIr .llII all pnlnlllnU 01 IU\lrt.nc.. tu., IGJ
WI'" W It'<<f Inti paW.. r... lJOICI AIl4 u~. of IUc.b pt\l(adIll.IIIr, &PflUM, YI11.b u lItIornIy\ c.oouniMKJln 0( 8w P'I:
crbbn (S"). AU anvn wl&id prOCMdi.., &op:thn wi~ .ta, 01. Of lu.mpUoo from ..._. or u.tcndoa 0( UrM ~
pa)'De8l, ..1I1dr. WIal be pw. by uy Ad or Acu 01 ANCn1b1,. now .. 101", or w,*, .,., be la.adld bIlN!\n. 1.1I'
btnb7 tomoer waJwd M4 ~
IA lbc ITIGt 01 Lb, l&lI.. 01 aU 01 lAY por1iOl 01 lb. pnmi.. In 1l1l)' proc:eedi.Gfl .DI1tt u.. p)tftr of '1IMMa1 do-
mal.. U. "'1'1 ....,. rea.. la web ~.. t.bD be ,.ad 10 Woria..... 10 be awllad lIl.aN rdll'ibll,.... .,
aM CClI&t IUd ...... 01 ~ I, ~ trilJllIid ,.,~ ...a aowd l.W ")'mild of aD 1lJl0'AJ' "raW.
bf Wort.allOf &0 ...orta.... bcnwwkr. &Ad Ia.ant the pa,DnI 01 u.. inlkbC.N~ ..... "'7, or U)' portbi QIrt.
eI, ......Ibt' Of DOC tIln. dllt .. plyatM, Of Wonp,re u lta optian, ""1 appI, MId ...".. . In, fIIIf IherIot. to Ibt npW
....lJuUdla.gf..-s~
AND PIOVlDED llUtk Ul.at II .. thmby IUId M'eb, .lplUIJ, &lR4Id Ita! L. IhI ......1 01 la, br-.c.b br lion......
01 .tay ~tAt, c:oncIttJa, 01' .,TtluDul or MId .ldlad oblI,edurl, CI oIlbU lIort...., It Ih&ll N &urtlA rOf the Won.....
10 W. upon all and .m,uIar the lande, buadlql and pruTllla ""Ib. ptltiNlvt, doM:rired ID4 II, 01. ~.,.. men-
..... _\bIr .t\b Ibe buIdllanMllta ao4 aftPUIUMlk'f'to and NdI llId .rer, puI lherW. lAd CD W. ~" 01 ...
MInI &D4 oi the 6atwM. .JlIlIlancn a.Dd .,.eal IbtrttD coot&.!Md, .ciS t.g h~ laoU, ....... .... 10 t.be )1:011.....
Of ... 0CbIr ptr1C13 or penoa., UN ud vplfl1c l.hc 11m. III lucb pt.rtlIl. ad 011 tudI '-W alllf lor ""b plllloda r:I UN
.. WOf1aI,&tI mar .... "... hi .. eol, lIlIcrcUoa of UortauM. thI h4~ ...,..... ~I Wotta.t.Ior &M1J aM riI,
.....,.., rtflI.... br ~ 10 \0 do. ....... traod. and -dlltvt. UIlIG MortJI.aeI, .-y I.... It l\itlu"j. ~ \0 co&.
... "'" nod.. aI.I ~ ...... aM Jlfoftla of lbe IM!d monppd ~. IUd na"J put IbenoI far nk.II IJlM ~
"rurt: tbaU be . uncJ1JIo1 Ml1WlI ...ce. Dt Mt ftd h... CI wW.... bu bCIm ~ k) Wortp,pe., &ad to aaU.
frClrll time " lima, III a11"tioaI, mUJ\'1dooI. reptln ud tfJQccaca1l tlrnlo II -111M1Tl tlddoul to ~ W
aI\Ir ~ 1M COlI of My or I1J ItIod all.raUona, rtDO'l'wou, Rp&!n &old rrJllaoNtlnU ..s ape.... lild4raI 10
..... ... ~.:::J: '- of tba mMi..-s plO~rt)I' PIS lbr 1IlUI..... e.ad CJt'I:l'at:to. ..." aDlI t... at.
... prvpen, IG apply Iba mldue 01 IIid nalll, "... MId proa.. 1I u,. arwae .. ~, \0 tU ..r--I
., .0 11--. ~ ~ ......IIM_ ...... lAd ....r ra. aid IJJI odaw ... Ih&J 1M)' k prior .. .. << ~)'atDt
.. ..~- iItic IIICurId ~ Cbk Iolkaturw ucI pr:.u.... tor t&l4 II'lU"l.llU, MtllG&<<'lll t&twotI. ex to the .....
.. due &Ad tIaIfwcI tbla ~ of J,(0ltfIp, wttb aLl ClOtlt u4 atlOr1lilT'tl r-. .. IUClJiI ordw or "'.
.u,.. ~.. daI .u ~aa d. ~ _, &ec.enrJ.na. a.c, ..........1 I.Iw, cuNaI << _ 10 D,a __
...,.. ....ILl""'..., h .... _, ......... ............ .... ... ....,.. .. .. ......_ ...... .... .....
tWcin ....... 80t nlJnoa U)' Mtiwk W'bkh ~Mw ..,. me.tt '" Wortaa.p, .. "...,... ~ ~att of ., '" till
ra... bJ d'li.IDdeebal. why IIJd rodt.ed Idoa. P'O"Idad (a 0-. olweb dIt,tllt; MId 1I"l'tt.rtW~1Jo ...s.ntoodDd
......1bIt 1M ,........, Eh1a Itdcl.tu,.. Ad. r-=Ic.od obI&ak- J:WO"w.ct l'tJr 6I1111b.rct..1Ma. diU ~~....
-~ _and. nbtlt1 addJtJoaI CMrrtou abo"'~u,t.be,..tu I.,.. ~. ~ ..
Ult...tt.. -cIlM~~w~..n.t1l:1ldlhl"'berl1aCll:lEJta..d,orbJOJI ,.t....~
..~&Ddcwn.m.~EU)'be~~Ot'ncocuJ...ttClf~lJh..cbcntJ~c1t1w~~...,
.. ..aa.I .. oft. . ~ IbIntbir Ih&II oocat.
AHD ~ ~ _ ~ _ IaI<I .......... of WI .......... ,-... to __ III Illo ..... ~ '"'
~ . ar.n.J4. IIClr'I,p,p' doet lacrtby aacbort. bd ~ lay .tbV1 of ., CoUrt' 01 ~ ..... 11
., ~y 01 It>> COl'utloflWllllGr. d Pnarrtn.m. or of.",. odw COW1 Ibm or ~ . ancn., b ~or1,peor.
. ..a . "" III ..-. d_ ....., 101. or il,mop ~, to .., U ....._ lor _ .. ... __
.., - amIc&bM IKtioa kI IjIama fat ('C*IIIIIl~ d ~ ...lJd.t1 cnatppd br Ibla 1adIrQ" qQIr wn u. btnea.
.... rtIlI ippUI1tlWlCCl U wdl u aD am,.., anllt'lOIiI d tqw,u... d. Uf utarI~. MW at ...". la-
~ ~.. I. &aid If10Itppd ~)' (wfthou, ..., IlQ 01 cao..don or 1CJPtII). ~ ..... Woc1auw ...... II
oil _ dol..... _. 101. or duouah ..._ .... _. ooc/_ ~ lor Do __ by a..- iI........ ~
1M........ 0I1l. IIIr:1 ~ F"mla 1opD.ir wkb a. ~tI lAd a~ . na . aD I.J:Iara.
~ bd .,... 01 u)' aaturc ~ 110. CI' "-'afte, 1Nt&De4 upoa Of Ita.w DiIOf1-..d propIdJ'. fat
wbIdII &WI 1D6lmau. (IJC' CiOF7 ~moI wrl6td by al'idarll.) W1I be . .1.dIc:bI wt.l'1'ml; ~ If d.e WOl1llr.llM ..
daI", a Wrtt 01 ro.c.&oo .., bI illUId Iortbwllh. Irijhoul U, prior wrU or ~ wtwmntr. lIort...... tan-
~ ~ aM ."....., to n1_ the IrlDrl.&.IrPI from all ,"on aniS dtttc1J wbataanw fa mtaia. klcll KtIoo IDtI/tw
~.... .. U\II6a. IUCb wriI IJ4' wrltt to be IiIIucd.. a.zd In an, p~ D.e:nc. or ~QI tilt __, u4
. .. tbI. no writ fJl .,.", 01 objectb IItaIl be mad. 0' talla ~ Uaal lbe UortJl.. IUIJ
...... I:a NQ &edoa In aadnft by It, Of total QIllI m bdaU IJI No~ ~tI& lortJa 1M bd.t ~" CD n.
GIorllll tbt ruI:rJ' of IUtb J~ ICI:lCr4JQI to G:Ia L.-me rl thla lJldfrstun, d wbic:b tada IIl..ch atMntt ahall be u.,.
a..h.~,
Plt(mDWALWAY!, NBVBR'Jl{IllJ!'!, thII~.. uI4 ""'-. ""-', belnlal_1lIII lid .....11Ild
~i--lD"paldUll&Oat.u6iS~ltI~-.....tbtalJnuJd"'~"''''''U~.oIII tM_O(~"""""lIIddoiolior1W~__dw_""Illo_O(__-.r.""
Jtrtt. ....Ma\IftS~'..d...-I-~arlbll ~wnd""lIld~botla
..11I_ ...Ial..._-....._. "_II ~dw "ld~.bM.........ho!rI_ =
'""~- _ ..............._....hIII a-.btIl, .....~ ...-J-.,......._......
., ....... II 11. .." -..t .wplloo, .... -.. - ~ .. .".... .".... .......-. __ .. Illo -1N7
-A..~." -_
AND nOVlDliD PI1anUIR. ad R II "'"" ... IMnb1 -"9.... ... ...... .... Ia Illo _ _
II ..... Cbu .. putr IIn*t .. . . 1I000000, .. ~u word . dInWt ~ "~III ...
dot_ -.I Iabo .. _ 1M "anI, AJlD raOVlDBD fllll11lEa, 11II1 D ....... __....~ ....
"""" -. ._""'rloI*""_ -......~..kW'.lto ,
- _':D~ .W~ IIlaU _ .. ... _ _~~.....-.., .......... Ilor 004 .1Ild'C.
01 tIIIlt '-'"' _ _.... __ __ ;;r..;~ . .
.
c.
..
'I
Ii
.
'.
~.
. .
!!:
;,
III WITNIlII WIlBI8OP. Illo laW _ baa _ III ~ ud ... dw cII7 ud ,..Ilnl'- _
M...,
_ .-_,(&lW.l
look1618p.lGl366
_,_(IIIAI.)
....... I.'
,
!~"::::
w._.....__ .___.._..__._._.. _"_"~_'.'_'_'_'" ___._ _.. ...._
.... atU.Y ... . .,.
'.' .:;-;;.;;;.~......
..~~~
;:4.-:':
l.i:i:rr:;; ,.-;;t:":rr';
t.
COIltlTY Of ~ .
0.. IhIo ..:i!J,A..d III ../}"HA4t- A. D. IIQI . ..Ion _ . II..... Publ~ I. ... I"
aoI6 C>>uot, ... ('.........II~, 1"...~.;4 ~ I< ~//,) -..,... ,-"<.IN., ,t, ULbL..
bowa .. ~. (or UII!IIldorU, '1'1""') to b. 0.. f"noa .botI nAml ..\a:rt.... \0 dill MllUII""" --7
...11I. IhIt Kktowlrdlld 1M' ... ,ucuWellhI ..,.. 'Of Ibt pl/If'OI'Ilbalia ~_d61ll.
IN wtWllJ,.'! WHU[OI". I bu' btrl\lnCo Nt MY Wn.J and ~"1 ;;.el I- ell' ..114 )- aI~
CONNONWlAL"Tll OE PCNNSYLVANIA
..A,~.~::_4Z~~
l!r':~~ tloWyhhll /1)("" ......(~I
/ ....: ',~"A';"', ;, '.
f~""'.I}" '.J~....,"',
f <.'/ ~t\~.
~r:\r .10 jl";
\"....~... "....t./
.."-''1'1.................'.."
. ..., ;..::;.:::....;..;,i..
. ''':~1~'':\''.
J_..ur,....................oI....lI_bor..~N..GllCorlllkPlU,C_IlDI,P_-' ,..: ,,,,.'
M' C"oIMIIaJoa lapin.:
_e.
~"'N*I
~_ lla4ttI~ I.
~! r e
[" ~
~ :\ 8:1
':J"
rl uW !!~
~i ~ .....
Ii ...
~
tl .. co
III
"
C
"
i ~
0
I
--------
-""-
I
:l :l
il 1 I E
"
a
12 I I
~. .II I
t 1 .. ;
~ .. A t
l. !
] I ] I ..
J ! A I
}Y'
,
,
I
I
I
1
1
.
.
c-OltRNWP.A\.lll 0' PENNSYLVANI^
ot:I~. ~ t- COIltlTV
,
UCO.DEe I. ,'" ~~'_,,:,..II.. 01 Docd>, I."'....",ct.., 1.,114 f.....Ccuatyol K9.tIY 1<11.I
I~k It//', \'01 ;LI. . _ .3''1
WlTNESSMVIh"",o\oISnlofOlrlo.I!>I, ~(.., .,,01. -,ti.1'...;e.,
^"DO Dominn I' 91
1
I
I
.
I
I
1
.
.
~/'/,~.:!/
Boa,1618rm367.
EXHIBIT "e"
PENN"V' VANIA HOUSING FINM' -~ AGENCY
Homeowne.. .nergency Mortgage Assist~l. .~ Loan Program
~ 10 I ;\:orth Front Street
P,O, 80' I j6~8
Harrisburg, Pennsylvania 17\05.56:8
(717) 780.3957
TOO- For Hearing Impaired (717) 780.IR69
October 25, 1996
Kenneth Ruehi
PNC H:lrtgage corp. of America
539 S. Fourth AveruJe
I.roisvi.l1e, KY 40202
Re: Kenneth I<elley
Acco.lnt #753369
24 Waverly Drive
!ILm1nelstown, ~A 170361
HE7lRING DATE: Seph"n~r 5, 1996
TO wtr::K IT MAY a:lNCEllN:
Please be advised that an Appeal fran the Decision of the
Pennsylvania Hcusin;J Finance lv:Jercy clenyin;J assist:ance uroer the
Hate:J./ners' Emergency Mortgage Assistarce Pro;ram for the ab:Jve-
named Awlicant(s) has been decided as follows:
'lhe decisiCll of the lv:Jercy far the <lll""'l of assistarce has
been affinood an:! the JlIJrtgage assistarce loan is denied.
JliJd .
Hearin;J Examiner
~f'~'
,L
/,
, I
--' PENNSYLVANIA HOUSING FINANCE AGENCY P
Homeowners' Emergency Mortgage Assistance Loan Program ~
'~m!nl) l,tnfr.lllnfufmolllulI (1171 7HfI~J"40 Cnrrr\l!untlC'.!!I!'
!IUI t\lIl1h hU1l1 !llln'l .,rllrfJllnfurm.llillll 1-8011-.141-2.11)7 2101 Norrh "111111 \111'11
PO, Jlo\ I ,'i 2 llll 1111), "ur IItJrinl.: 11II,I.Jirrd 1717. 7tW.lIlt.IJ 1'0 Itll' l:'i:'iln
1I.III1'hllll'_ 1',\ J7111''i'~!Of, lI.J"I'hlll!!.I',' 171(1";,,';\111
PNC BANK. II A
AT'I'IL CASIIIERIlIG [JEPT
539 FOURTH AVENUE
LOUISVILLE, r.V. 40:!O:!
lfLi
("t, ?
1)'
"7/l8/!J"';
SUBJECT ,
KBNNETH K KELLEY
24 WAVERLY DRIVE
Ht.1MMELSTOWU, PI.. l"oJ(
Your .sPpliCl1tlon for a HOMFOWNER' 5 EMERGEUCY MORTGAGE ASSI!;TANCE LOAN has been OENIEU
pursuant to Act 91 of 1983, )S P.S. Section 168.401.C et S8Q. and/or Agency
Ouidelines 16 PI. Code Section 40.101 et seq. for th~ following reasons:
I, Mortgagor is not sutfering financial hardship dua to circumstances b.yond mortgagor'"
control based on: Financial hardship ia due to overextension. Based on tax returns fro
the paat 3 years, net monthly income WA. insufficient to meet total monthly expen8e~
prior to the job layoff in February 1995.
2, No rea.onabl. pro.p.ct ot mortgagor r..uming full mortgago paym.nt. within thirty'six
(36) months and paying mortgagel.) by maturity based on: Mortgagor i8 financially
overextended based upon income history. Based on tax retulns tor the palt 3 yeare,
highest income was 1993 which was insufficient to meet total monthly expenses.
l, No rea.onabl. pro.p.ct of mortgagor r..uming full mortgage paym.nt. within thirtY'OlX
(36) months and paying mortgagees) by maturity based cn: Total debt indicates no reaacn-
able proapect of mortgagor resuming full mortgage payments within thirty. six (36) montha
and paying mortgag.ls) by maturity, Total monthly .xpsn... exceed n.t monthly income by
$4255,69,
'.. tI
4, Mortgagor is not sutfering financial hardship due to circumstances b.yond mortgagor'.
control Laseu on: Total mo~tgage delinquency ia not due to ~ircum8tancoa beyond mortga.
gar's control: Property has equity in excess of $92,400.00. Property could have been
refinanced or sold to avoid a foreclosure situation.
You may b. .ntitled to an app.al h.aring if you di.agr.. wlth our d.cision, We must recelVe
a writt.n r.qu..t for a h.aring within 15 days of the po.tmark date of this lett.r, IApp.al
requests must be in writing; a verbal request is not acceptable). The hearing may be con.
ducted by a tel.phon. cont.r.nc. call; th.r.for., you mu.t includ. your tel.phons number,
R.que.t. for h.aring. mu.t stat. the r.a.onl.' th.t a h.aring is r.qu..t.d and mu.t b. s.nt
firet cl.... register.d or certified mail to, Chi.f Coun.el . Hearing R.qu..t, PHFA/IIEMAP ,
2101 North Front Stre.t, p, 0, Box 15628. HarriSburg, Pennsylvania 17105'5628, The Ag.ncy
will att.mpt to .ch.dule the h..ring within thirty (lO) day. after the r.qu..t is r.ceiv.d,
Wh.n eending YOur app..I, plea.. b. Sure to print your name legibly and includ. your aocial
security number.
You have a right to be r.pr...nt.d by An attorn.y in conn.ction with your appeal, If you
Cannot affo~dan attorney you may be eligible for Legal Service. repre..ntation. You can
contact · Legal Servic.. repra.entatlv, through the following toll tree number
1-'OO.7J2-J545. Pl.... b. awar. that .ch.duling An app..1 h..ring doe. not Daoe...rily .t.y
foro;~;bJ.'Wi~i,ng. ,
DISCL080aI 0"011 0' IN'ORMATION ODTAIKlD PROM DOTBIDI BOURel:
1. Oi.clo.ure inappliCable.
Th. Fed.ral ~qual Cr.dit Opportunity Act prohibits creditors from discriminating against
credit applicants on the basis ot rac., color, religion, natlondl origin. sex, marl tal
status, ag. {provid.d that the appllCant has the capacity to .nt.r Into a bInding Contract I ;
because all or part of the applicant's Incom. deriv.s from any public a.si.tanc. program; or
because the appl1cant ha. ln gOod faith ex.rcised any nght under the Consumer Credit Prote{',
tlon Act, The Federal Agenc}' that admInister. complIance wIth till" law concerning thl.
cl.dno, l' the Federal Trad. COITVnISSIOn, Equal Cr.dn Opportunny, Washington, [J,c.
Th~ Pennoylvllnia HCluslng Finance Agency
_.r_
PENNS\ _VANIA HOUSING FINANCL AGENCY
Homeowners' Emergency Mortgage Assistance Loan Program
I'a,m<n" G<I1<ral Informal ion (717) 780-]9~U (:orr"110110<11<<
2101 ~orlh Fronl slreel G<n<rallnformalion 1-800-]~2-2]97 2101 NOrlh Frool slreel
1',0, Bo., 15206 TllD# I'or lI<arinc ImpairrO (717) 780-1869 1',0, BOK 155]0
Il.lrrishllrg,I''\ 17105-5206 HJlmhllrg,l',\ 17IU5-55]0
6/05/96
PNC BANK, N A
ATTN: CASHIERING DEPT
539 FOURTH AVENUE
LOUISVILLE, KY, 40202
15T!Jt1
SUBJECT:
.KENNETH K KELLEY
24 WAVERLY DRIVE
HUMMELSTOWN, PA, 17036
Your application for a HOMEOWNER'S EMERGENCY,MORTGAGE ASSI~TANCIl.LOAN,hasbeen.DIlNIED~
pursuant to Act 91 of 1983, 35 P,S. Sectlon 168.40l-C et seq, and/or Agency ,
Guidelines 16 PA Code Section 40,101 et seq. for the following reasons:
1. No reasonable prospect of mortgagor resuming full mortgage payments within thirty-six
(36) months and paying mortgage(s) by maturity based on: Mortgage is a balloon pay-
ment/demand note, PNC verified the mortgage is a balloon loan which matures August 1996
making the mortgage ineligible for HEMAP assistance.
You may be entitled to an appeal hearing if you disagree with our decision, We must receive
a written request for a hearing within 15 days of the postmark date of this letter. (Appeal
requests must be in writing; a verbal request is not acceptable). The hearing may be con-
ducted by a telephone conference call; th~refore, you must include your telephone number,
Requests for hearings must state the reason(s) that a hearing is requested and must be sent
first class, registered or certified mail to: Chief Counsel - Hearing Request, PHFA/HEMAP ,
2101 North Front Street, p, 0, Box 15628, Harrisburg, Pennsylvania 17105-5628, The Agency
will attempt to schedule the hearing within thirty (30) days after the request is received.
When sending your appeal, please be sure to print your name legibly and include your social
security number.
You have a right to be represented by an attorney in connection with your appeal, If you
cannot afford an attorney you may be eligible for Legal Services representation, You can
contact a Legal Services representative through the following toll free number
1-800'732-3545. Please be aware that scheduling an appeal hearing does not necessarily stay
foreclosure procsedings,
DISCLOSURE OF USE OF INFORMATION OBTAINED FROM OUTSIDE SOURCE:
1, Information obtained from outside source other than a credit bureau, Under the Fair
Credit Reporting Act, you have the right to make a written request, within 60 days of
receipt of this notice, for disclosure of the nature of the adverse information, Write
to: Pennsylvania Housing Finance Agency, Disclosure Request, 2101 North Front Street,
P.Q, Box 15530, Harrisburg, PA, 17105,5530,
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against
credit applicants on the basis of race, color, religion, national origin, sex, marital
status, age (provided that the applicant has the capacity to enter into a binding contract);
because all or part of the applicant's income derives from any public assistance p~ogram; or
because the applicant has in good faith exercised any right under the Consumer Credit Protec-
tion Act. The Federal Agency that administers compliance with this law concerning this
creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D,C,
The pennsylvania Housing Finance Agency
. ,-
(' C')
I
11.:" ("; .'
,
LI:. "
., L".
C~ ~
(' , ':1
"
" .
:
.
1.1. r'
L
~ L' ;
'-l c:,
'"
I .
- " I
'-l . ,-,
~ ...;;:r..
,f0
~
(\~
'-
"1
1'\, r--..
.~
'<f ""
rj, "--
, ~
~~;~
---I-
......;
..::;
'0