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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL AcrION - LAW
No. 17. ~({)
(I ~~L~t.
ADAMS COUNTY NATIONAL BANK,
Plaintiff.
v.
Action in Mongagc
Foreclosurc
DOUGLAS R. SW ARTl. SR.,
Defcndant.
To. DOUGlAS R. SWAR7Z, SR.. Defendam:
NOTICE
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You hayc been sued in coun. If you wish to defcnd againstllle clainu set forlll in lIIe following pages,
you must take aetinn willi in twenty (20) days after lIIis complaint and notice arc served. by entcring a written
appearance personally or by attorncy, and filing in writing willi lIIc court your defenscs or objections to lIIe claims
sct forlll against you. You arc warned lIIat if you fail to do so, the casc may proceed willlout you and a judgmcnt
may lle enlered against you by lIIe coun willlout further notiec for any moncy claimed In thc complaint or for any
othcr claim or rclicf requested by thc Plaintiff. You may Insc money or properly or other righ15 imponant to you.
YOU SHOUW TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VE A
LA WYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BEWW TO
FIND OUT WHERE YOU CAN GET LEGAL HEU'.
Court Adminislrator
Cumberland County Courthousc
Fourth Floor
Carlisle, PA 17013
Telephone Number: 717.240-6200
A VISO
USTED HA SIDO DEMANDADO EN LA CORTE. SI usted dcsca defendcncc de las que]as cxpucatas en
las p~ginas slguicnles, delle tomar acci6n denlro de vcinlc (20) dCas a partir de la fecha en que rcclbl6 la demanda
y cl aviso. Us led dclle prcscntar comparcccncia escrita cn pcrsona 0 por abogado y presentar en la Cortc par
escrilo sus dcfensas 0 sus objeciones a las demandas en su conlra.
Se Ic avisa que sl no sc dcOcnde, el caso puede proceder sin usted y la Conc puede decldlr en 50 contra
sin mas aviso 0 notiOcaci6n por cualquier dlnero rcclamado cn la demanda 0 por cualqulcr otra que]a 0
compensaci6n rcclamados por cl Demandanlc. USTED PUEDE PERDER D1NERO. 0 PROPIEDADES U
OTROS DERECHOS IMPORTAf'{fES PARA USTED.
UEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TlENE 0 NO
CONOCE UN ABOGADO. VAYA 0 U.IIME A 1.11 OFICINA EN 1.11 D1RECCION ESCRrrA ABAJO PARA
A VERIGUAR DONDf: PUEIJE OBTENER ASI.\TENCIA lEGAl.
Court Adminislrator
Cumberland County CourthouseWFourth Floor
Carlisle. PA 17013
Tclephone Number: 717.240-6200
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5. Said mortgage has nol been assigned.
6. The description of the real estate is as described as follows:
AU thal certain traCl of land with the improvements thereon erected siluate in
Dickinson Township, Cumberland CounlY, Pennsylvania, bounded and described as follows:
BEGINNING al a poinl (railroad spike) in the center of the public road leading from
Goodyear Posl Office lO Uriah (Legislative Route No. 21030); thence by land now or
fonnerly of Donald C. Rice and Dorothy M. Rice, his wife, the following courses and
distances: North 00 degrces 44 minutes Wesl 83.35 fcellO a poinl (iron pin); North 87
degrees 48 minutes Easl 152.33 feello a poinl (iron pin); South 00 degrees 41 minutes Easl
\ 19.46 feellO a poinl (iron pin); South 87 degrees 14 minuteS Easl62.12 fecllO a poinl (iron
~ pin); South 2 degrces 39 minutes Wesl 76.55 feello a poinl (railroad spike) in the center of
the aforementioned highway; thence by the cenLCr of said highway, North 87 degrees 19
minutes Wesl210 fcellO a poinl (railroad spike). the place of BEGINNING.
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BEING improved with a twO SlOry insul-brick dwelling house with a detached garage
and lool shed and wash house \mown as 1015 Goodyear Road, Gardners. Pennsylvania
17324.
IT BEING the same which Kenneth E. Rockey, el ai, by their deed dated January 30,
1992, and recorded in the office of the Recorder of Deeds of Cumberland CounlY.
Pennsylvania. in Deed Book "M," Volume 35 al page 672, granted and conveyed unlO
Douglas R. Swartz, the Defendanl herein.
7. The said mortgage is in defaull in thal the monthly paymenl of principal and
interesl amounting lO $292.50. which has become due and payable on October 30. 1996. and
the monthly payments of principal and intereSl amounting to $308.68, which have become
due and payable on November 30, 1996, and on the 30th day of every month thereafter have
nol been made, and by the LCnnS of said mortgage upon defaull in such monthly payments for
a space of 5 days afler any such paymenl is due, the whole of the said mortgage debl and
interesl shall, al the option of the Plaintiff. become due and payable forthwith.
8. The presenl owner of the real estate is the Defendanl herein.
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9. The amounl due the mortgagee on the mortgage is computed as follows:
(a) Balancc of principal $32,665.81
(b) Interesl from September 31.
1996. to January 16. 1997 743.29
(c) Anomey's commissions 3 340 91
TOTAL $36,750.01
10. In accordance with provisions of ACl91 of 1983 and ACl6 of 1974, Plaintiff has senl
10 Defendanl Notice of Homeowncrs' Emcrgcncy Mongage Assistancc and Noticc of
Intention 10 Foreclosc prior to thc commcncement of thc within proceedings. Copics of said
Notices and mailing reccipts arc attached hcreto and marked Exhibits B through E.
respectivcly.
WHEREFORE. Plaintiff dcmands judgmcnt againsl the Defcndant, Douglas R.
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Swartz, Sr.. in the sum of$36,750.01, plus interest from January 16. 1997. at a per dicm of
$7.19. any late charges and costs of suit.
Respectfully submitted:
By
BIGHAM & PUHL
~dw-tu~v1te.
Edward G. Puhl. Esquire
Anomeys for Plaintiff
16 Lincoln Square
Gettysburg. PA 17325
(717) 334-2159
Anomey ID No. 55709
3
TOGETHER with all and lingular the buildinga. improvementa. wooda. vatera. vaya.
righta. libertiea. privilegea, hereditamenta and appurtenance. to thl .ame belonging or
appertaining, and the rever. ion. and remainder.. renta, i..ue. and profit. tharaof; to have
and to hold tbe .ame and the real estate hereinbefore convey.d"unto the Kortsagee forevar.
IlORTCACORS JOINTLY AND SEVERALLY COVENANT, PROMISE AND ACREE THATI
1. The Hortsesore ehell be jolntly end Ilvlrllly 11ebll Ind obllsltod to PlY tho
full amount oving under .aid Note in accordanca vith the terma thereof, and ahall be jointly
and leverally liable and obligated to keep and perform all of the covenantl, prami.e. and
Igreementa contained in this HOrtgase and in aaid Note.
2. MOrtgasora viII keep the builJins. on aaid real eatate in.ured asain.t 10.. by
fire or other casualty for ben.fit of Hortgas.e in amount. ..tiafactcry to HOrtsesae vith
Itand.rd aort..... clau.e; end HortSlsorl viII pay .11 taxe. and ......ment. levied or
.......d .s.in.c .Iid r.al ..tata or any part theraot on or b.fora the re.p.ctiva due data.
thereof, and vill d.liver receipt. therefor Co the Hortsas.e upon requ..c. HOrtsasor. viII
pay, on or before the reapective due data. chereof. any other taxe. (iDCludlDS corporat.
tax..). a.....ment., chars... claim. or encumbrance. th.t may be or become . lien prior Co
thl lien of this Kortgese. or that have priority to chi. Hortsage in the dietributlon of the
proceed. of r,a,' judicial .all\- of the mortgased premia...
. .... .J" 10.1\ .. 'J
boiii1044 PAti1152
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3. It the HonRi'Ron taU to IIuitntaln auch inauroncll cov.raKo or fdl to fllY Iny
of the lIforeuld taxu, ftueumenu. charKes, chimA or encumbrnnccHI on or berore the
rCRpectlvo due datos thereof, then ..Hortgagee shall have the option of paying the eame or any
thereof. and upon any auch payment by the Hortgagee, the amount thereof shall automatically
be added to and becom~ a part of the Principal and ahall bear interest from the time the
lame i. 10 added to the Principal at the rat. thin in effect under the terma of laid Note.
4. If the Hort.laorl tail to pay any inltallment of Principll and/or interelt
required by .aid Nota when the lame .hall fill dUI th,reunder, or within the plriod of five
daYI thereafter, or fatl to pay any of the afore.aid taxes. aaaelamenta, charges, claims
or encumbrances on or bafore the reapective due dltls thereof or fail to provide inlurance
coverlge aa provided above, then and in any of aaid events, the Principal Ind III lume Idded
thereto. together with intere.t to date at the rate then in effect under the terms of .aid
Nato. and together alia with 10% attorneys' commiaaiona on said PrincipiI and intereat ahall
become due and payable It the option of the Hortglge., and 8uch remedy or remedi.. a. the
law may now or hereafter provide may forthwith be invoked and proa.cuted by the Kortgla..
asainlt the Hortgagora. including. but not limited to. an action of mortgage foreclo8ure.
5. Hortglaor. hereby waive all error. in any proceedingl, together with all atay
of or exemption from execution, or extenaion at time of payment which may be given by any
law now in force. or whIch may be enacted hereafter, and together also with the right of
appraisement. the right of inquiaition and the right of appeal.
6. If, without the prior written consp.nt of the Hortgagee. all or any plrt of the
mortgaged premi... ..curing .aid Note is aold. tran.ferred or conveyed to any per.on. corpora-
tion or leaal entity (herein caUed the "New Owner"). other than the Hortgagora herein. or any
of them. the Horts_gee may. at it. aole option. declare all auml remainina unpaid, including
interelt due or accrued thereon, to be immediately due and payable. Tha Hortgagee .hall have
waived thil option to accelerate if. prior to any luch .ale. tranafer or conveyance. the Hort-
gagee and the New Owner agree in writing that: (1) the creditworthinesa of 8uch New Owner ia
a.tiafactory to Hortgasee; (2) the term. and conditiona of any such I.le, tranar.r or convey-
ance are satisfactory to Hortgagee; (3) the buildinaa and improvement8 covered by this Hort-
gage are in good repair and the value of auch hal not dimlniahed. deteriorated or been im-
paired in any way aincI the date hereof. except for normal wear and tear; and (4) the interelt
rate Ihall be adjusted to 8uch rate 8. Hortgagee .hall require. provided auch rate doe. not
exceed the intereat rate Mortgagee la then offerina on new loans of a type and for purpoae.
similar to the purpose for which said Note waa given as of its making. and Hortaagee and luch
New Owner ahall have executed an AI8umption Agreement acceptable to Hortgsgee. Such interest
rate will thereafter be the intoreat rate for purpolea of subsequent Intereat Rate Chansel
baaed upon the Index value in effect 8a of the assumption date. All other terms and condi-
tiona of .aid Note will continue to be in full force and effect and be unmodified. Upon the
execution and delivery of the written Agreement between the Hortgagee and the New Owner. the
Hortgaaora herein ahall be relealed from all obligationa under said Note and this Hortsage.
7. The Hortgagors' covenants, promiaea and agreements contained in this Hortaage
ahall be lesally binding upon the Hortg.gors. and each of them. and their respective pereonal
repreaentatives. heirs. succeasors and asslgna. The Hortgagee's rights and privilegea
contained in thia Hortgage shall inure to the benefit of the Mortgagee and ita 8ucce8aora and
a..igns. This Hortgage'ahall be governed by the law of the state in which .aid mortaaged
premiae. are located. If leBa than two Hortgagora shall sign thia Hortg_ge. all covenanta.
promi!ea and agreements, which are drawn in the plural, ahall be deemed to be,I~,th.-a1ngul.r.
r....:..:.-;...; ':'7';''- ':;:'');1 J. .,', ,
PROVIDED ALWAYS, NEVERTHELESS, that If the Mortgagors II'II rp"~:'1l'4to ;~J!f I:!<ijflligee
the Principal and the interest thereon in the manner and at th, times 'Bp8~~E,~e~in 's8'id Note,
and shall in all respects comply with all of the covenants. promi~B"and agreements-herein-
before contained, then thi8 Mortgage ahall become null and void to all intenta and purposea.
IN WITNESS WHEREOF. the Hortgagora have hereunto lubacribed their names and
affixed their aea~8 the day and year first above wrItten.
"'~."'~ IS. 4-.
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R. SWARn,. .
(SEAL)
(SEAL)
(SEAL)
(SEAL)
800iW44 PAcr1153
COHKONWEALTH OF PENNSYLVAHIA,
COUNTY OF COIIIIlIILAIID
On thb, the ~ day
Notary Public
Df JANUARY . 19--21L-. before me, .
. the undefllgned officer, p.nonally appeared
DOUGUlI R. SIInTZ. SR.
known to me (or lattef.ctarity proven) to be the peraon___ whOle name__ 11
to the within inltrument, and acknowledged that b. executed thl I.me for
there!n contained.
subscribed
the purpose a
.'
IN ~~NESS WHEREOF,
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My commiS8ion expireal
1 hereunto
.et my hand and official ...1.
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HllTAAw. WI.
~"-'HllTNrfI'UlJO
1ICAOUI>>t,~
IIY~IIICH_OCU. tlllll
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1 HEREBY CERTIFY that the precile residence addre.s of the within named Hortsasee
i.1 Cumb.rland Township, Adam. County, Pennlylvania (P. O. Box ~~ Getty.burs,
Ponnlyl.ln1o 17325). 3,;>.;
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Recordod on thlo 3C> doy of .Jon.
A. D. l~~, in the Recordert. Office of said County, in
HartSISo Bookl {)/.../~, Pose IIS-I
Given under my hand and leal of Baid
the date above written.
ACT 91 NOTICE
:
TAKE ACTION TO SA\,[ \'OUR IIOME FROM FORECLOSURE
The Common\\'eal!h of Penn~ylvania~ !lnll1en\\'ner~ [ll1er~enc)' Mnn~age A~~istance Program may he ahle \() help you. Read
the following nOlice to find oUI how the program works,
If you need more inform.tion call the Penn~ylvania !lousing Fin.nce A~eney at 1.80l).342.2397.
La notification en adjunto cs de suma imponancia, pues afecta su derecho a continuar \'i\'iendo en su casa. SI no comprende
el contenido de eslO notification ohlen~a una traduccion immediatamente lIam.nd. esta a~enci. (Pennsylvania 1I0using Finance
Agency) sin car~os al numero mention.do .rrill.. Puedes ser ele~illlc por. un prestamo por el pro~rama lIamado "lIomeowner's
Emergenc)' Mon~a~e Assislance Pro~r.m. el cu.1 pucde s.is'or su casa de I. perdid. del derecho a redimir su hipotec..
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ACT 91 NOTICE
IMPORTANT: NOTICE OF IIOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE \\1I1CII CAN SAVE YOUR HOME
FROM FORECl.OSURE AND IIEI.P YOU MAKE FUTURE MORTGAGE PAYMENTS
TO:
Oouglas R. Swartz. Sr.
Date: November 13, 1996
FROM:
Adams County National Bank
Re: Account No:
7616465
You may be eligible for nnandal assistance that ,,1\1 prevent foreclosure on )'our mortgage If you comply "Ith the
pro,'lslons of the lIomeo\l'ners' Emergency' Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency
temporary' assistance If )'our defuull has been ceused by' drcumstances bey'ond y'our control, Y'ou han a reasonable prospect
or resuming y'our mortgage pay'mcnts, nnd If you meel othcr ellgiblllly' requirements established b)' the Penns)'lvanla Housing
Finance AgenC)'. Plcase rcad all of this Notice. 11 contains en explanation of y'our rights.
Under the ACI, you arc entitled to a tempor.r)' Sl.)' of foredosure on your mongage for thin)' (30) days from the dale of this
Notice. During th31 time you must arrange .nd an end a "face-to. face" meeling with. representative of this lender, or wilh a
designaled consumer credil counseling agcncy. The purpose of this meeting is to anempt to work out a repaymenl plan, or to
otherwise senle )'our delinquenc)'. This mccling must occur in the next (30) da)'s.
If you atlend a face.to.facc mceting with this lender. or with a consumer credit counseling agency identified in this nolice. no
funher proceedin~ in mong.ge forcclosurc may lake place for Ihin)' (30) days after the dale of this meeting. The name, address and
telephone number of our rcpresentative is:
Ronald L. Iloffman, Vice President
Adams Cnunty National Bank
Vmk Springs. PA 17372
Telephone Numhcr: (7 t7) 528-4 14 I
The names .nd .ddre"es of dcsi~n3lcd cOnlumcr credit counseling agencie~ are shown on the atlached sheet. 11 15 only necessary
10 schedule one face.tn-face mecling. You shnllld .d\'i~c Ihi~ lender immedi3lcly of your intentions.
Your mong.~e is in def,"1! hec.use you have f.iled 10 pay promplly installments of printipal and Intere!t. u required, for a
period of 31 least sixt)' (60) days. The tot.1 amount of the delinquency is S 939.48 , That sum Includes
the followin~:
A partial payment of $287..16 dul' fur AURust and thl' monthlv Davments,of $308,68 dUl! for
September and Octuber 1996. olus Dast due charRes of $9.26 and otber charaes of 825.50.
Your mongage is also in default for the following reasons:
(use this paragraph only if appllcablej
EXHIBIT B
To:
DUUgl.'H H. Sw,,,t?:~~~._n__..
U N"vl'mlH'r II, 1996
ate: _ ______.______. .____.._~__.____...~_...___
. ._.-!.'!J._5_ GI!I~dy_l~~r. .Jlll.ld
HE: ~turtga~e I.uan Nil.
161646,
Gardlll'r"--,_~_II}.l"._. ___.n...
NOTICE OF I,\TE,\TION TO FORECWSE ,\{ORTGIGE
The MORTGAGE held by Adams Coumy Nalional Bank (hereinafler we. '" ur uurs) nn 'nur prnpcrty lucated al . _
1015 GnndYl'dr RO.Jd, Gard0l1rs,UickilHHln TownRhl~. CUmhl'f (fll1d County, JlA
-.-------- -----~-~-_._----- ----.- ---_. _.--._-~_.- --- ---- - .. --._--~------_._~.
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IS IN SERIOUS DEFAULT berall.le .\fI1I h",e nllllllllllt Iht /llIIn/iIly pll)/IIell/.l IIf 5 IllR. 6R
. ___._.. . .. AUgUR'., S"I'':,'r"b,', ,l11d O"t ubl'r 1996
I..1le d1.1lges or orher ch.1lge,l.,'e al,n accrued to Ihi, dale in the amnum of 5 11,.76
Ihis defaull. or in mher words, gel caught up in your paymen", as of Ihe date uf Ihi,leller. j. S
fllr Iht ""/1111" IIf
The Inl.11 amuunt nnw required In l:UfC
9.l9.4R .
Yo" /IIay flirt IlIis defalll/ll;llrin TlURTY 13/J) O,4"S afllre ,IIIlt aflllislmer. hI. POl/"K III ".lllre 1I1)(".t III"""n/ />lS 9 J9 .4R
pl/IJ any additioll/JI nrOlulrlv pmnten/s OIIillme rlrarges ..lrirlr nrllY fall ,lilt ,"mn.~ I"is peri,., Such paymem mll!1 he made eilher h)' cash.
cashier's check. certined check or money urder. and nlJde at any office of Adams Coumy SaliOl.,1 Bank.
If you do not cure the defaull within TIIIRTY (J1l) DAYS. lie in/en,IIII tltrrise IIl1r riglll tll aralmlle lIlt /IIor/gllge plll'meo/!. Thi,
means that wbalever is owing on rhe origio.11 amoUIll horrowed will he cnnsidered due inuuedial.ly and )'ou n.,y lose the chance In payoff
lI1e original morlgage in monthly in."allmenls. If full payment of the amounl of default is not made within TIIIRTY (30) DA YS. lI.t obo
intend 10 ill.lln/(/ our 1II1ameysIII slarr 0 lall"SlIillo f"Itc/use yallr II/or/ga,~ed proptrt\' If tlte /llIIrr~lIgt is fortc/owl )'ollr nrllrrKII.~ed
property lIi1l be saki /1)' Ihe Sheriff'" {1fl.\. IIffl/~ /luJrlKIIge debl. If we refer your case to our anume)',. bUI you cure Ihe default before they
begin legal proceedings against )'nu. you will ,till have to pay the reasonahle allomey's fe... .IeNally incurred, up 10 550.00. lIowever.
if legal proceedil18s are S~1J1ed agail\ll you. you will l1.1'e 10 pay rhe reasonable anorney's fees e'en if Ihey are over 550.00. Anyanomey.'
fees wiD be: added 10 whalever you o\\eu,. which m.1Y allo ioclude oUl reasonahle costs. If)'oll rult I"e defallll wilhin Ihe Ihir/)' dll'! period.
you lIi1l 001 be requirtd 10 pay allOrney's fus.
We may also sue you personally for rhe unpaid principal halance and all oll1er sums due under the mortgage. If you have nOI cnred the
defaull wilhin the!hirty day period and fnreclosure proceeding, have hegun. \OIlSlilllllll'e lite ,,~III /() (I/rt lire defalllr lIod prelent lite .!<lIt
ar all'! time up ro Ollt IuJur before lire Sheriffs forec/m"'t .lolt. 1'1111 nray do so b)' pllying lIlt lowl amallnt of lite unpllid nrontlt/.,. pm"",e,,/!
plllJ any lote or orher rharge"SIIII!/I due. ill lieU llllhe relLlonoble allllrnry 's fees amI rom ronnerred lIilh Ihe foreclosllre sale IInd perfom,
an)' olher requiremen/! lIoder Ihe mOr/gllge. It is <"imated Ihal the earlie" dale thai such a Sheriff', sale could be held would be
approximately. . F"b!.!!.... r.y.. 1997. . ,\ nOlice of lI1e dale of dIe Sheriff' I lale will he semto YOll he fore the sale. Of
course. the amoum needed 10 cure 111< default will increase the longer you wail. You may nnd out at any time exactly what the required
paymem will be by calling us allhe following number:. (} PJ_5l!l.:-4J.4..I. This paymenl musI be in cash. cashier's
check. ee"ined check or money order and made payable to us al any office of Adams Coumy :O;alional Bank.
You should realize that a Sheriffs sale will end your owner<hip of the mortgaged property and y.our right to remain in it, If )'ou cominue
to live in the prope"y after the Sheriff's sale. a lawsuil could be started 10 evict you.
You have additional righ.. 10 help prolecr your imeresl in lI1e property. YOU HAVE TilE RIGHT TO SELL THE PROPERTY TO
OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT. OR TO BORROIV MONEY FRO\! ANOTHER LENDING INSTITUTION
TO PAYOFF TillS DEBT. YOL' MAY I'" VE TIlE RIGHT TO SELL OR TRANSFER TIlE PROPERTY SUBJECT TO TIlE
MORTGAGE TO A BUYER OR TRANSFEREE WIIO WILL ASSUME TIlE MORTGAGE DEBT. PROVIDED TIIAT ALL TIlE
OL'TSTANDlNG PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE P.\ID PRIOR TO OR AT THE SALE. ASD
THAT THE OTHER REQUIREMESTS UNDER TIlE MORTGAGE ARE SATISFIED CO:O;TACT US TO DETERMISE UNDER
WHAT CIRCUMSTANCES TIllS RIG liT MIGIIT EXIST. YOU IIA VE TIlE RIGIIT TO 11.\ VE TIllS DEFAULT CURED BY ASY
THIRD PARTY ACTING ON YOL'R BEHALF.
If.\"Ou rUrt Ihe rlefalllt. rI,e nron~o~e 11,/1 he It.<ro",llo ,"e lillllt pm;l;on <I.l if /III deflllllll,,,,! urmrml. 1I0wever. you are not enlilled
10 thIS nghllo cure your default more Ihan three lime, in any calendar )'ear
*r.upies alsll sent. to:
Ot ie M. Mi I "'r
II Mountain SIrl'l't
MlIunt 1I1111y, I'A 1706,
ADAMS COL'NTY NATIONAL BANK
By:
EXHIBIT D
Susan \1 Saylor
Delinquent Loan and Foreclosure Adminimalor