HomeMy WebLinkAbout97-00681
I
"
\,'
\l
~
\l
<;t
~
~
tt
~
~
~
~
<:.J
~
Q
.,...~'
:_P"
(
~
~
I
I
,
,-
, .
, -
\ :;:)
-
:<:.J
0.-
~~
t-
<:!'-
.
~.
..
II
',I
ii'
"',
h'.\' ,
. ~ : (;
.,J f.i /.L
t',.
r J ~_' 1
ri"
,,'. ,
; \i'"
':i"',I'
" .
" ..
1'.
; j ~ . ': ; '.
, ".
11"'-'
;tH,!
,;
..:di. t
-', ~ I li ,
"j,
i"
,
-
~____ ..~i~ /:J-L. 1. . ~ :~:~~_~':...l~.
, " . ',~'
:1':;1
f, \'
i,':"
:.:<)
.l.~--_:J:L__ 'J I,
i:
.
,'"
,
"
',.'i':',
~ ,---.-.-...---.-- -'
','; : : :.~ ':' /.. ,
- ,..-,.~.. -- ._- -. '- --~----,
~-\
,..r,
..._.:._'-:~~
,.
j II :
,
,.v
'i:..~~
"I
"
:"
.,
.'
w j~'
','
,I')'
:',[
I' F
^
"'r
...
..-
{ ...
..
// "
','
/A;:
f',"
,.
~
.o.,J
/1 !'"
'j1
L )", L<- C, nW-h
I I"QI"'t.
t
r
l>
;..J'w.
5, On or about November 6, 1992, as security for payment
of the aforesaid Note, Defendants made. executed and delivered to
Plaintiff a Mortgage in the original principal amount of
$285,000,00 on the premises hereinafter described, said Mortgage
being recorded in the Office of the Recorder of Deeds of Cumberland
County on November 12. 1992, in Mortgage Book Volume 1100, Page
756, A true and correct copy of said Mortgage containing a
description of the premises subject to said Mortgage is marked
Exhibit "A", attached hereto and made a part hereof,
6. Defendants are the record and real owners of the
aforesaid mortgaged premises.
7, 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 April, 1996 payment.
8. On or about August 6. 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. True and correct copies of said Notices are
marked Exhibit "B", attached hereto and made a part hereof,
9. Plaintiff was not required to send Defendants written
notice of Plaintiff's intention to foreclose said Mortgage pursuant
to 41 P.S. ~403 (Act 6 of 1974) prior to the commencement of this
action for the reasons that:
(a) said Mortgage is not a "residential mortgage" as
defined in 41 P.S, ~101;
(b) the Defendants are not a "residential mortgage debtor"
as defined in 41 P.S, ~101.
t
10. The amount due and owing Plaintiff by Defendants is as
~
I
,
.:.
follows:
Principal
Interest through 1/22/97
Late Charges through 1/22/97
Escrow Deficiency
through 1/22/97
Attorneys' fees
Title Search, Foreclosure
and Execution Costs
$277,098,31
$ 20,686,69
$ 2,058,84
$ 1,983.16
$ 800.00
$ 1.500.00
TOTAL
$304,127,00
WHEREFORE,
Plaintiff demands judgment
in mortgage
foreclosure for the amount due of $304,127,00, with interest
thereon at the rate of $63.62 per diem from January 22, 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:
~ C' ~T~--
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,
-
,." . ~ :1
REte'ilil';:i, ci ..em
^,"'rr'" .... \."'t:::iY.P,'.
"'"....,i........... ..
4tD8DO
'92 NOU 12 Al'110 3~
"""_Ilk Uoo 1.-"DolII
MORTGAGE
, L..... IIoYDbor 6,
1"1S MORTGAGE ("Scnuily InllnuMnl . ..~n.. .............j,'....'........\i..'b.i......j,jj..'rt...........'............ .
19 ?,.", . The morlpJo' Is ..,~'I!lf!;,",..I',~!'i~..~..~,~,"!M..,!!,~9!!r,~...~,~",M"L..'!...!!...............,.......,
. ....... ........ l"1IornnIo:r"). ThIoScxurilJ11IItnUnall1l1iwa1O ................................,...........
..'iiiiiJi:jjfiiir:;::.,ii~:..,::....:..,.... ..,..........,.................,..,............ ........... . ""1dI111'1~1~ and nlalHIna-
.., . -au Car .. p _ "-- Inl.
Ill...... 0/ ....~I\,..lInt~tA.n~m...........,............ . ond...... odd_II ....,.......,................."..~........L.
....JI..,l,lP,Q)"U7............., ....... ........... ..... .....' .........,.., ........., '" l"l.oDM'" IIornnIo:r o...Londor lhe prl.q.J
- 0' .. ,.Tlm.I\'I/lIII:tA,lllgb~r,~f.l.Yll, ~,MI1,AqI.lA9.~~~~.~~~=,';;',~~~~.~~,~::':7.~::':7.~::~::7,~~:-;:'. "" 00lI0n
(V,S,, "iJ~...QOO,AQ ~ nildtbllo...._ .." __.__ .... d............. d... 01 Ihls ~r l..~~nl ("If...,._
.....Ida fo,monlh\rpoyaoenu, willllhe IuIldcbl.IlDOt poId ...Jlcr.due aod poyabla.. ...P"P....,..\.../.........,................ ,
nil SccorllJ 'AIInl/nall .......'" Laodar. (.)Iha ...........1 of...dcbl""",,- "'1" Nou. wIlh In_.Olld all_I, Uk.....
and lOo.lIllco1lo.. oIlh. NOIe: 1') Iha por- 01 all other....... wIIIIl.laal, odmlood...............,." '10 prOIOd lilt acnrl1J 0I1hla
SccoriIJ 'OIII1IIlI.nt; .nd(.) lbe pcrf.rm....orBo".........o.._ and _u WlderIhlaSccurllJ '1lII11IlDCOI....lhc NOlt, f.,
Ihla -. Borro_ d.. hcrtby ___ ond......, 10 IAnderlha fol.....dooorIW ~ IocoloiIJo .......,..,....,
..,.. .......,..,...".,."..,., .~lAwl".,."",.,.".."..""...""",...,.......... .......,..., Coool7.......rt-Ja:
Th. 111901 de.adpt1cll or ..hlah 1. .Cta.hod heret., ..d. . port hereor .nd _rIlacI
lahib1t eA-.
..hIQ I>oa lhe odd.... of ...........~,!!H..!A~~I'!!,~!'..,................................., . ....,'!!',~.;!:!~~~.......,.....,.
IInoll ~
I'tnnIrtvonil .J,?m........ ........ l"1'nlpcnJ Addr.");
IIoCodol
TOGETHER WITH oIllhe Imp__1Ilo .....r harcaIlcr.......... ...JII'OfICftJ,.... 011 ....IIJlPIIrlaO-. Olld fia_
- or hcrnIlcrapon 01... ptOpCrtJ. AD""", ... Olld addlIIoM ahoIl oIao............, IhIa SecorllJ 'DJI_ AD of...
IDftIOiaIla refcmd to i. lhi. Securlt".._ 01 Iha "1'ropcr1)','
lOR ROWeR COVeNANTS lUllo_la....rnll.J.... orlhe..Ule.., -..,.r Olld .....he rlabC 10.............-.1
-"J lhc Pr.perlY.... Ihllbc Properly 10 u-._L .d,U<<pl r...__of.......lIorrow, .omnll ad wlllclclca\
_roIIJ lhc IIde 10.110 "- ..-11II_.... dcoIooda. aabjoot.. UJ __ or_
THIS SI!CIJRITY INSTRVMBHT coew.. toaIlonn _.....,.. notlouI._ --u_..., _ with IImiral
nrlotIooo., Jvildktloa "'.....h.lO. oaIf_ -r 1.._ '""""'" naI prapcat)O.
VNlFOIlN COVENANTS. 1Ivo..~ .... ~ _.... ....1oIIon:
J...,..., of Maat,oI... .......,...,.. ...1-. 0I0qa0. ~..... pr-.ctJ (101.... due'" ,rindjleI of-.l
10_.. lhe cIobt ",>II , ., Iha NOIt ud u, .....,...._ .... dIarp d. .Dder doellN.
2.'....r......r SuIiOd"'l.' 1If1a..orlo.wrilla.....,~.Iorrawr.UII(101IOLcadcr.....doy
lOon..., _"....... ndcrlha N.... ........ M..... poId Jo ,"a. .-C"P...."or. (o)7I'"lJ_ Olld ,_ ........,
IllOII prlorllJ owr!WI SIc:arlIj/ ,_..IIea.. 1M Property; ()) JIIIlJ IaaIdlOId h "I Of..-.s......... JroportJ. if
..y, (.) l'UIlJ hamrd or P-'J I.....,. ..... (d) l'CII1J llood ~ "'''"',. II uy, (I)""'J ..."..,. '--
...........l'..y, ud (I)..,.... pll,JUio brllvo..._I.Iadar. Jo'W '.....kb Iha "..rla_ or......"pb.. Jolin or...
po,... o,.........lnnrftDCC ...111I.... Tbcac J_ on caIIad "Eomw '_"Leader "11. ....,..... coI........ hold F......
omo... notl..._IIIt....lmum _u ......,... '....117 rcIolod ooanaa.l4on _ nqulra for 1Iortawa_ __
under lhercdcral Real E..... s.wa- PrncecIu... Ad of 1m u ftIIICOdod Inxa Ilmcl..u..la V,S,c' f 2tI01"... l"RESPA"
wtl... IDOlhcrlawlhol oppIlcs 10 lhe F'I1I1Cb ICU....... _L ICao,Londor...,.. .1..., Iia, coIloct Olld hold fond. II UlOID_...
10....... lbe I....' 1lII0uaL Leader DIIY atbwc lbe ..OIInl 01 Pund. d. .0 lhe", or _ cIota.... ..un....., ...~ 01
.......lllIIa of'Ulo" Eoc....It.IIII.'odlerwioo In ___with oppllcolllc law,
no Fu.....hall be helllln .. in.tilOlIoaI............... W,"", by. foderal......,. ......._UJ. orcntilJ (locIadioa under,
IllAodcr ial1l<h.n 1001Itulioo).r in.., Fcdoral H_ Lou lion.. I.tod., ...IIIjlp1,1hc FlNlllo p.,the Eaoro..1lctns. Lender IIIJ
DOl.... Bom>...r I., h.IIlI.,.nd opplJ!Jlflloc funda, UOlIOIIJ aaoIJZi",he ....0.._.1, or "'NJI.,1hc Ene.... It..... uba
Lender....)'I Bo,rowc, i....... .. I~ Funda Olld .pplicohlc ta.. pcmlil. Lcodcr '" male _h ......... "0....., lAnder DlO)' roqoin:
'U.SYlVANIA-_r..~-I_-._....III.I_.1l ,..11II (11II) _'<f'_,
&~1100 rICE i~R
tt".,"'.....' tl" r"\ ''''''f t,""" ....". f."i '''ll'tc4fl'''',l,,,,. .,.1,".1.. ,., "r"ll'"' ",t., II"" h, 1....1"1,,. ",,11II111#1....1 hU... I ." .,,,....
I!'tf'lt("tl"''' I.... ........',"""...,frl".."" 'I"........ "lI""t'fMIIII"." III Irl\ll. ."" I.. "'1,,11.. 1",.,..1 In ... rdd,I".'fI.I,.Il"',, ,.., ,...,.....",
,,, f'ft'\ .....I"l"l"'~ _M ~""" '" t'fK'I'l'''~~'' ,... rm,," ,,,It,,,'''1 .tt11 , ''''',t m., 'I'" In .rllilll, hflW''''"lh.t Inl. I. 11th ,11 t,.. ,..,J fffl
lht ,\~ 'f'~""" 'l._n"-'..t~ "'\l'~."', _II ""It' .....I...'IlU'..'II.I.n'(ltUlll'" fI'I"-' utlll....lllI,ru,.I"d.U.nd...bll.II'11w hl'wi. awl
Itw- "'1~ (t\i ...."""..tl"'..".l'lthrf, n....'. __ ",... "" ')It'lllIl'I''' rll"rd ...ddllI1l".lw"Uf1r'UI ,U,ufnlM4.uud hY"'I' '.cu,",
I"",.""",,"
",'" ".... htW h, ,....... u\"f"tt1lllt '''hlu''"l'fllnlllfld ."r,. twld by .PlllInhl,a...I.tlMkr ,,..IIIC((MI.' h' 1of..I'Ilj'f' rot ,,,-
t...... ':"N'... ~""'f _it" I'" ~.I""'wnI'I" 'prhnbNI.w Ulhe IInuunl u, Itw Fundt hekJ by tender AI an~lilllc illllll lurrl(icnl
1ft "", tM F~ h,.._1tt1t. dw.' ndt, ..n,. '" "'tilt) 10l1uwr In wl"h,.. Md,'" Iwh elM. krrower Ihlll PlY Iu I...ndn lhe amount
........, 1ft..." up ,.... dtf\(".l'l. 8lw'''Mr thin ruh up 11M dtfkltnr:y In no mort lbn IMlw mOMhJ, p.ynwnll. '11.c:ndC'r"l tole
'iIcn1'-.
UpoI rlJ1Dft\1 i. run 01 &11 Ulmt "C.I~ Itythi. Smarll, 1.'H\lmenl, I.cndcr.h.1I promptly rerund 10 Bonowtr Iln,l.und.held b)'
1.I.....,II,....tcf ,.r"""11.lnd,,oIIaIl ""101.. or MU," P"","rt" t.cndcr.prlortolllc ocqoloilloao".1e oI'ha P,.....rt,. &lW1
oppb u, F.......1d by .....dCl II ,,,,I... oIlalulolllon....1e u. acdil aaal.."ho 1...l<<IImlby I.it Sealri'y In~r"n".L
). Apt6lIdoa II ...,...... U.IoI, oppIlcl....I.. ,ro,ld.. ",..nri... oil p."",nll .-i,cd by l.md<, und.. p"II'.rh.1 ODd 1
"""" be ."lied: lint. '0 II' pAplyawnl cllOIp d.. .....r ,.. NolO, 1<<000, '0 omoonll poy.bI< under pllllr.ph': Ihil~, 101.1....'
duo; 10W1b, 10 priIldpol due; and 1II~ 10 Ill1la1o cb.... olIO under I. N...,
4. ~ u... .o,",_.hl p., .UI..... _....,.. clIaqto.lllln ond impooillonu'lIlbul&blc 10 IIlc Pr""'ll) ""i<h...,
I1UoIa prloril, __ tWa _, I....-.,ud louUold poyaw"" 0' IIO.nd ....lh.'.IIorroMrI..u paytlla< oblJjollo.1a till
-.- ,...wadI. _h 2,..11001 pold In 1IlII....ocr. ............b..,., lhom on limo dlra:tly 10 IhI pc.... ooed p.,-,
.orr.... ,h.n _.." lund'" 10 1Md" oil IOlicao ol&lllOU.1I10 be pUt unckr IbIo plllI'.pll, ilia...... ......,.... pa"",.1I
dln>cll,. ............baD...-pd, lunWb 1.l.Iader _ipu nldacl.,'bc poyIIIIllL
Ia"""" IMU pro"pll, dlac...... UJ lion wlIIcIlbu prloril)' oyo, IhlI SOCUril"..IN...., unklllorro..r. (.) ."... on .ril....1O
Ibo JI01IIl- ollbo 0.1Ip1Ioo........., ...11I. iII._....pl&Wo 10 Lander, ~)_IUIo"'" laIIb tho lie. by,... old""'" qsIoJt
.or........, ollbo I'" 10, 1op1........1qa wIIlc.1a tho LoooIuhploio. oprnu 10 pmallbe eor"""'..nlllflhelin;o, Ie) MCIII'tI
Iroll'lIo h......ol....llon _ .,.........-"""11<> l.cHrr .uboldiA&ll.q tho IIcD IOIbIISocarit, lu........L II I endcr ~..IfIlli_
IIIaI my put 01 I" ~ io lubjocllO . 11oo wldeb ..., .l1Im prioril, .....1llIa SecuriI,lnalRlIlIlll. lAnder ...~ .... a...roww I
.odal ideatHyIq.bt Ilea. JIorro_ obaU..iIIy.1Io HCD 0' LW 0.. 0' more o/tho actIou Ml/onh..... within tOdlll 01'.... &1>1..01
IIOIioL
s....... "-" ~ - Iorr....raball Pep ....1oI"OftftICDII_n1IIIoIor ~....nu........ ...,be Ptopat, Ianrcd
......._ by nn. ........1ocWad wIIIlla... _ "UlaIdod_"and my-. buonla. ..........lloodI..1\oodint. I.. wbldl
................ -..-. Tlda -.....-...... _10 tbc ......11 lid r......,orIoda IboIl.cod.......... '1100 i.....-
carler,.....willl..... -....- ...... _ by....... ..bjocl'. Laldcr'Ilpproval wbIcIllW ...bolllll1_W, lriIbbolII, II
1onowor1.u.1O ...............-.a.od -,lIndor _, .l.cod..... opcloa.obcoIo ..........0 procccI.....dcr\ ",1rI.1..he
I'1opalJ 10 ..ani... with """"1,
AD _poIiclea lid .._ohaII be .IJblllO l.cndcUndlhalliod&adtl_ .......da_ Loodcr...n.....""
rfIjIt 10 IIoW ... poIIcleI'" __ II l.codcr ....al...lorro_ aIlJlI,.-pdJ .... to Loodcr aU Redpll a/ poid .....,........
........ DCltk.. I. 1Ilc.- oft...1Iorrowa Ih...... pnHIlIlI DOIalo till lu.rua:cutlcr ud t.cade,.ladar _.... pnool on..
11.01...... prollptl,by JIorrowc"
u....l.codcr ud ..,.... 01......... _Ia writl... iotw........- oIIaIl..appIIod Io.....ndo. or..,.;' or till ~rtJ
d-..s.1f lho _onIio. or repair II _..IllcoJI, 1...1blo .nd Laadc,'lo J<<UriIy II .ot _, II..... mt....i.. ..1CJlIir II ....
ec......ically/..oiblo 0' \..moIu\aocwIl,woulcl be .........,Iho irauranoo pc_aIlJlI be.ppIIed 10 Ibo 101Ol......d., .hl.!Iealril,
1-. _.. ..._d....tlIo my...... paid 10 Iorrower, Illorrowe, """o..lbe Proporty,.._nol_ .ilblo JO
d.,... _ Ir...........' tbollbe InaIlllla....rIcr boo oIl'erod 101Ctt1o.daIoa, lhea lIndM: II" eollect lbo InourID.. ,.-s, Lnder
..., 1M 1110 pr_lo Rpolr 0' _Ibo Propal, 0' 10 po,..... OllC1Imlby IhIo ScarII,lllItmIIII1. .bOlbor '" DOl'hea dll. '1100
JO.oIa, period will.......... till _II &iWL
U....I.I"*'..... ,..<rolbo:nrlJo _100 wriIIq..., IflIlIlcolloo 01'........10 priodpol.... OOIC11oDd.. pooI_......
.....of.......tbl,..,-nt......lOlapuqropbo 11042orc!wllotho .....ntoldlt_II, UomcIo, porqnph11'. PropatJ
II oapdnd by l.cader. Ia.......\ rfIjIt \0 .., __ polida and p...... .-o,.1I'oro ""-'" Ibc I'ropaV prior \0 t/oI
ocqaloldo. abaII_1o !.-.IO..... _ oflho _....rod., lIliI Socuri', IIIIlnIloOOl bootooIIJ/oIy,nor 10 lho ....~....
"0 .. ,,~_.. - . u . . .............O"F..__l".........t.e.AJ,.......'.. .. IDmIMTIIuII
_,......."'.... IM.be Propa1y u 1Iorrowa\ priJIclpoI_ witIIIa 1111,.." ItIer lbe U<<aliooollblo SO,,"il,....._
ud abaII...... 10"""'" ",-"U _'loprindpoJ .-Ior II Ie... _,..oIlcttbcdlla 11_,_......
-..... _...-.... ___.1.... 10\ ............bIy_ld.oronlao..-u.,dmunota_.............bo,o04
__~.-n>I. ___-..,..-..01 InopaIrlhl ProJlOl11.lIIowlht .....,...,.1.4cUri........___...
Proporty, ___.. ill dalaolll/.., lorfak...odIoo..",....... _boo dYll orClioolool. II..... dill I. LnoIor\..... foIlIo
Jud__ ClllIIIoImeII 10 lerr...... or tho ProportJ 0I0l1lmrioo IOIlIrio/Iybllpoltlho 1100........., IhIo SecorltJ 1___ool.aMer'I
~I'....... Ior_..".... ,lIdl. dol.... ood rdoouoto, II prorillod 10....... 11.""'" till oct............1Ie Ie"
d........ wll..naIIIw 1M. iII.-\.....1oIdo -1oolIoa......... lorloItan or....., __ ,...... t.... "...........
1IIOIaIaI1..-- at............. ., tbIo s-IIy 1_ .. ~r'o ..-.1171_., ....... ..11I oJw" io ,lei_II
Ior_. dIIrhoI'....... ""'......... _ _ _rIaIly 1??0o ..1_101..- or _1110 1.cI_(.. l.lldlO
pnnlde Loader _ my ....rlallalonutloal '" -u.. with I" Iou __ by ... NotI, Iodudlna. HI 00\ ........ ...
..,.-- .........IIomrwo''lo _..-,. or tho Propat,.. piadpoJ..oIdooot, trlllll SoauiIy 111II1I_ it_. ...........
JIorro..,........", wtda.1bo pr...wc.oItho -. tr ~ ooq.... III tlIIo lotho PropertJ,... -..w ODd ...htk......
not _.IIIM ~_lOtIIII_l.wdI...
1.".....IIN.......JIIaIoIo .....""-",IIIoml_fdolo pert'''''''tbc_ond.._...nlalllldlll....''-II1
10II..-...u.m it...... pr_loa.......' oIFifIoaoIIl' aIkI.........'lo ,;,bI,1o tbo PnlpuI, (I...... ...-....10 ....tNfltlJ,
p.....,.. _....... or lorfelt..... to oar_I..... rquIooionJ). ....lcndor .." do .... .., I.. ......., II_",*, \I
,_ ... ... of I" "-" ODd u....,'lo ripb I. lite Propatt" u.tct'lo Idio...., IncIadt PIJI...., _ -....,...
_... priorilJ....r IbIoSecorit, 11I1...nl. _ort",1a _rt, pII)'i., .._.bIolll~'laeooadeoteri"lOll'" """,",to
-. IqlOira. AIdoooP l.n*r ..., IWo ocllo, ....IbII........,.. 7. t.-. d_1OI .... \0 do...
"'" _ J\.' .... by l.cndo, _1bII_,ph 1.haIl boco_ ...4ltiolll """ oIlorro_...m1 ., "". 5MwIIJ
1__ U_ Ion..- ud I.cndr, .".toot..lar..oIp1JlMft1, 1...._.IIlaII.....I_ 1"'..lIted...oIdl..... "
. .. - - ... .... .. ..,...., .... inllroll. 'pOll .eIlot lrom 1......'.0 Iorro_ ...._11.. ..,...1.
l. "_1__ . -... Irt.cfWJw nqu,telI NOf't.IIII mautlftCll U 'CIOtdlllonolmall.,'hlloentDNredbyt"ilScatnt, tn.t......,
h-....... ..., ,.., '" ,..l....:...n.. ~.I.... '0 1M". 1M mort..~ m.uaJWll i. tIhd. Ir. rot 1Ift1 ftlIIIOa, the 1IHM\IIIIC .....,...
""-,.. '....... \or ,_ ..... or..... ,. be .._'.110......' .hollpo',be....m....nqulml 1......0........__10111
..,."'....... '"" ~ """""'... .....MtA "t'fw...., j" 6:t,.t. roIt "'....nllAll,. flCItll_nt '0 '1M ('1('1I' to 10""'" ...r'M """-'"
,.... . _......-01
6IJIlO I ifill Il:r 'Qi
~
Ixhibit 'A'
ALL TRAT CIRTAIN lot or tract of oround, I1tuate in BUlpdln
Townlhip, CUJlberllnd Count" P,an'lrVlnie, aa ut forth on a
Preliminlry/rinal lubdivi.inn Plan 0 Higbland. of Haapden lquar.,
Pha.e III, a. prepared br Act One Con.ultant. aDd la.t rlvi..d Junl
1, 1919, more particul.rly bounded and d..cribad a. followa,
to witl
BIGINNING .t . point oa tbe w..terly rigbt.of-w.y line of '1'iv.rton
Road, a fifty foot right of way, .aid point baing locat.d on a
cour.. of Nortb fourte.n dl9re.. .Iro minute. ..ra ..cond. ...t a
di.t.ncI of .IVln bundred forty-nine and .1xtean hundredth.
(749,16) f..t froa the centlrline of .entllY load, a 50 foot rigbt-
of-waYI thlnce along tbe dividino line of Lot 4.3 aad Lot 4'2 on
the afora.aid pl.n on a cour.. of louth ..v.nty-.1x degre.. ..ro
mnut.. lira .Icond. !fe.t a d1atanc. of aD' buDClred forty and lira
bundredtb. (140.00) flit to a point along land. now or fo~rly of
Soutb Centrll 'erviael Corp., llaIIpden Squarl and Cblt Aaker, tblaa.
aloag tbl dividiag liae of Lot 462 Ind .aid laDda on I cour.. of
Kortb faurteen degreel .era lI1autee ura lecondl a dietaac. of oae
hundred forty-flve and eigbty-four buadredtbl feat to a pointl
tbenca coatinulag alono .aid dividing line of Lot 412 aad land. now
or fonaed, of Soutb Central lervica Corp" Hupdea Square and Cbet
Acker on a cour.. of Bortb tw.nty-.ight deorll, tbirtY-liz ..inut..
thirty-Diaa IIconda ...t a dhtanc. of .1I:t..n and flfty buadredt~
(16.50) flit to a poiDtl tbeac. alono tb. div1d1nO line of Lot 4.1
and 462 of tb. afor..aid plln on a conrl. of 'outb ..veaty-eioht
deorle. tWlDtY-levln ..inute. tWlDty-e1gbt .IOODda ...t a di.tancI
of on. bundred .1xty-four and forty-five bundredth. (1'4,45) f..t
to a point on tb. w..terly right-of-way lin. of '1'ivarton "'ad,
tb.nc. along the .rc of a curve to tb. rigbt, ..id curv. baving a
radiu. of 200,00 f..t and aa arc d1atanc. of 89 ,1' f..t to a polDtl
thenc. continuing along tb. lIid .e.terly right-of-way lin. of
'fiv.rton load on a cour.. of Soutb fourtlln degra.. .Iro minut..
..ra .econda .I.t a di.tano. of .ighty-four bundredtb. (.14) flet
to a point, tbl polDt and place of BIGINIlIIO.
BIlNG Lot 462 of tb. prelilliaary/rinal Subd1Yialoa Plaa of the
Higbland. of "."P""u Squar., Pllae. III, II prepared by Act One
ConeultaDt., elated March 30, 1919, hIt revi.ed J'cl1l4l 1, 1919,
recorded in tb. CWlberleDd County Racorder of DMda Offic. in Plan
Book 59, Peg. 3.
~ IIIG tbe ..... prell1... wbicb RDbert W. Waager and Mari. Clark
~er, fonaerl, Gown .. llede D. Clark, hu.band and wif. by deed
.... l\8Ued"'nilery ,25. 1991 and nClorded in tbe Office of tb. Iacorder
':o.~~,,':p% ,11'''''''1.. eDd for CWoberlaDd Couat:r ia De.d !look 3t-Y, Pav. .21 I
:' "'(:~:1FlDted ala:d couv.yed to aDbart W, Wa.ger aa,d:IlllliM.ifJ.rr1t hagar,
: It:' ~:,!' '~~Ib~nd ~~ wife, Borrowere bena. ';""","'.nd J .
~ ~~~I .... ~tlll")C'ff......,..A.,"Dee4J
, '.',"",'1' " , w: "''S~'-CIluner.b..
;" ~:,.",,~~~'~//.' .'..: ~A J(Ltl..v....::........Zl.f
. '~; '" .~ : ,.... ,; .~. ..1100 .m -, V"".I"'ndlJl& P=/
tt, '(.4<11) C"'';- .... lQU ~. '"UIiI 1~
."" I. ",. II...~
. ,..",...... ---
...
Ina"'IM' prniOl...., in tI'JC!I:t, f,om an "k...lt motl.. i.....",awd.., lend." 1._Dl'.ntiall)' .,.lnl _",.......MCC
rom. b IOllnlllbk,lIono..r .hall pi)' 'ollridt. NCh 8IDDlIllhBIIp&J lo~,..m. 011'" ,.art, ...,...hwu.tll pn....
~...Id by Bo,,,,... wl1m ,ho In..r..... oowr..Iof-d..CUIOlllobe 1.1IIocl.1Andor wlU ....p.. _1Ild 1II.ln_..)'III.....
m,no In 110. of _1....1...,...... Loa..... ,'ranllma, nolo.... be roq..rod,.1 tlltopllo. 01......11~....,.,.
.,(I.,ho .moon' Ind for.ho palod ,ha,........ roq.ltalprD>ldtclb)' ..In.om_o"" by 1-.1" '11I. _...u.bIt lid
.. oblllllld, Ion..., ohall p.,lbo pmai..... roqulrrd 10 maI.1Oia ".f1&IIll.....aor ill 011..., or to pn>Ylde.Ioa.-w, ontil tllt
_In...... lor moft.lltlnouron" md.Ia...._ wItIo '"7 wtlnn ."..1IlCIl''''_. BoITOWU IDlllAlIdIt l1....abIt....
., I...,I1loe. I.niI" 0' III IItOI DII1 mak. nuou'" _ upOtllAd IllIpoctlolll of tllt PropoIt7, IA...... ;..1Iot.-r
noclot M 1M 110.. of or prior to .n Ioapoctlon .pocl171na _...bIt ....1.. tbolnopocllon.
If. C."-IIon, Tho p.-.l. 0111I7 .wanl Of ,laI.. lor d........ dlRd 0' couoq...IItJ,1n -...ctIot wItIo anrllOlld'.........
0' OIhI,IatI.,ofan7ponof... .......n', 0' 10,ooonyaaorlnUouol_uU...1lt btnbJ ouIt.tcIl1d ,hU'" poid LO j.coMr,
I. 1M rwl1 of.I.ltlltkl., 011h''''Opert7,'1lc p_.IlaU... .,pllod 10 IIle -........, by Ih.. Secur\IJ !DIIrua~ !ll>lcWor
noI .hI. dIM, wllh an, ..". poId LO Bono_, h lhe .....01. ponla1ltkln. 011110 "'-"Ia whldl 1M CaI, twtcI nIue IIII1lc
P....n71...odlaltly boIoro Ih.ltklna II oqul.o or._ thao.... UlOunl '" ,........ _ by tWos-rit, 1oM_ bu1tdioldr
Wo..lbol""" ualtao Bon_lAd lAnder otIlo..loo....fa writl...I............... byl..SoaariI'I.....__IIWI......,.".. by
lbolllo", oftllt ,.....m...oltlplled b)' I'" 1001owl.. 1_ (.) tllt I<KtlllllCMlllt oI.....u.......rrd ""-dlac.l, Won tllt.u-..
dlridtd by (h) lha ItIt ...,tee vahoe oh" PIOpIt17ltuatdlalel7 1101... 1M 1tkInt, ....7 Nla... ohaI be,aId to Bonowcr,latllt owat.h
ponlllltkl.. 01... Propert7 ill ...tll,h IlIolal, IIlIIt. vaIuo oflho "'.pIt1)IlInmtdIuclr boI.ro...1tkIaa 1I....1hat.... _I 0I1Ilc
IUIDI...rrd IIIIlIltCIIIIClr W.'Ullclatlta. u.1m Io"o_.nd 1AIde, othwwl...... ill wriIIta or ulllta..ppllctblllntothcrwioc
pr.vIdes, tho prooood..htII he .,plIod I. tho ... __ by tWo SoaariI, IaMN_ whIIhc, or DOl 1M ....1II1hct cIto,
III'" Propeny lI.budo.cd b)' Borrowe" 0' 11,11\0, ..11.. by lAtdttLO a_1htI tllt..od....or Oll'tfllO ll1Ab u.........
1OlI11. eltlm lor ~.., Bor_loIIo 10 "'JIOIIllLO Lcodtt whhl. lOclaJltl\cr tllt dtto Ihnolkc II&!_ Lcndcr II ..~ to
",11occ ud .,pl, I'" pr 1 II' J.. II Ila tpIIoe, .hhat LO .......11.. or nptiI allh. Propon, .. 10 1110 ..... __ by thlo s.a.;.y
1__... ........ DOIIhooo dIM.
Unloa Lcodtt.... Bono..r DI_..... iIIwrlu....., ...,......0. 01 .-to prioclpal ohaIl... ......... pooI_ tllt...
daIa ollila ....1hl7 ..,_a "'.... 10 .. ........ I ud 2 .. ... tIao _..t oI.odI JII7IIlClIIa.
II, --- Nil -I ,.__ ., ~ No! . "'...., e.1Ctll1on 01 tIao Ilaoo I.. ..JDIC.I at -'I......... of
tIOonlullonoftha__u""bylllia Stcurity 1_.1,,_ by lA"'IO~_IoI._ofllot.-r _... ~
ton_tho 11I1oIIIIrof... ori&INI.o....., ..1Iot.-r\.......... "'""-- Lmdcr.htII.OI be roqWood 10""",,,, """ 1 '...
opINl any _la ~.. rd'uoa 10 WCIld IIao I., pIJ'IIlIIIIor odoawIaa -II; ~ of.... _ _ hJ tWo
StcoIritJ 1.-- '" - of..7......... ... by lbo orfaluI Bonowa or Bon....... ... 181.-. Aor I<<kan.z by
Lmdcr I........... tlI)I ripI..I1llIItd, ohtII DOIIle........ 01.. __ Ibo aadoa 01.., rIabI or .......,.
12, . . .. AaaIpa IowM; 1ol?i .. ..... u..lIlJI C. .'1 _ TIla _ lAd __ 01 Wo s.a.;.y
IIII""""'nl ..all h10d aod btwolIl .... aucaoaon lid ...... 01 Ltnd. aod Bono..,. aubjocllo .Ioa provlalOl\l '" -.. 17.
Borrowa\.......... ud __,.lIIaM11"joIallld oncraI.lI"1 Ilorrowawho..... t11I1Soaari1, 1._....1"'" doca.....-
IIIc NOla: (0,) II C04IcnI.. dlla Itcuril, 1.........1 owIrlo --....... aod -.or IIItl Bo. .__ \ I._la tllt "'.pIt1)I_dor
'- ofthk Sa.h, 11Ilnmo.~(h) II "'" ....-Irohllalllld 1o".,1IIc __ __rrd bythla s-rit7 I...~ and (e)...... 11oo\
LcrIder .nd Ill' other Bo"o_ "'7 ..... 10 ......, -IIJ, I....... 0' alike .., ....--'.11oo. whh rtptd 10 the _ oflhio
Socuil, I~I" 1M Note wllhoet IbII Burro......--.
13, a- Qorpo.lllbololll-.l by t" SocvlI, 1..._ lI'ubjoc:c 10. .....wlllclI... mul......... "'1IJlI1Dll1loM In it
notlly 1-,.- 10 lhallllc 1nI..... Of Dlher 10.. duo.... ...11odiod or'o he ",lIecIad la " ..... willt tllt 1011I..- tIla JIIrWlI-.!
IIaaIta, tbea: (.) ..'.dl....... ohtIIhe......... b,... UlOIIl1I-, LO rrd_ tllt ~ LO thopemlUtd"'~'" (hl..,_
a1rcadr",1Itd<d lro., Borro.., wWdtcucedad pcmokllld 1iInI.. wiD 110 rarundcd LO BolTOwtf,I.eodcr..., chowa.o aat.1bU rei... by
rrduciaalhe prindptlowodundcrl" Nola or by ma1ln,.dlract pa,....OIIo Bono_,ll. relutdrod....princlptI.the rrdtclloe wiI..
baled II. ponItJ "'.....,,_ wll_ .., pnparmnd eta... uadtr tllt N..,
I" N_A., ootlor 10 Bono_ prvv\dod bla IIolo Socwlty I~...... be al- by*UvcrloI It or by _..it by 6nI
..... ..a1I.DIaa.ppIkohIc law requlna _ of__ _hod. TIla __ be dlncatd to ilia ",-" Add... or..,.......u-
Burro_ dal.... by _10"-, ....y toIloa 10 Lead. obIlJ 110 am. by filii dau lItO 10 Lctdcr~ tddna 1lIlai.........,
otIlo, odd_ 1.....,...1...... hJ totloa 10 Ilonww. "'" atIIoa provldad lor ill thioStNrll'I....- ohaII be doIalcd 10.........
11- LO Bono_ 0' lAndcc _ 11- u provIdad 10 t1111 ........".
U. eo..... lAw; lIovtnbllltr. nit Socarlt,r 1aMtu_...... be '0_ by I"'" I.. lid ilia law oI....joriodldIoo fa wIido
.... Pro...'Io.-,lo........tlhlaayprvrioloao,_ oIlll1a~'I..._......N.ltcaallloto with..,I' ..........,_
-.... DOl""'" Dlher ,....w... oflhlo Sacolrily ...._.. tIao Note _... lle,;-dIact wlthoullllaOllllfi~,...rioiaa.
To tYI... .IM ....... , of ,WI s...r117 r.tNmllll ... 1M Hob .. tIedand 10 be.........
1"...........ea".IIorrowt........... _.....__.." 01.... N......,"'" -..,......_
17. ~.,.. "'-" OI. - -.. ....... It ...._.11 on.. .., poet.,.... "-'y or ~ 1......11. It ...... .
_tmd (0111. bouIidaIlntmaIl. Bon..- II.... "lTIuIarrwIlDlllornrwt, II DOl. OM1Il1II...-) __ ~ pritt
wriUt...-. Lnda ..,.11110....... nquIIa' I.... _Iold 01011_...... "'tWo SaoatlIJ 1_ H_,
Ibb optloa 6aJI noI" eun:laool byl.cndar If __10 prohlWItd by WttaIIn _ of dor.... 01 "'" IItMlay I.
""""" ........h.........I.cndcr.....am IIorrtMr .Dllceol....1cntIoa. TIla 1lO\Ioa'" provWt. pcrioI.,..... "'.._
d.,. I.... IU d* tbe noIlot II ddhoaod Of oulad wlddw whlcb ... ,_ _ ,., ..I..... __ by Ihlt Sacwtt, I.... _.01. II
Burro.., lolIo '0 ,., ..... _ pri., 10 lho IIJlnt10a of 11IIo period. Lctdcr ..., la.... .., _Ita pat'IIliaad ., thIo StaorIIy
laalnI_ wldt...1urdIor DOIloa or '-ad .. aon-.
IL ............. It......... ".......M _ otlUIt" .~...., Bonoww ohd.... tIla rlpIl.." nlo_ of..
5ccu1 rIt,r I"'~ dIoootoftlaood II Illy II... prior 10.... nrtlot of: (0,)''''' (or _.... porIod. .. ~ ",In 1Ilt1..r,"
.. 1II1tI....1I) ....real. .... P~, _to..,_oI....00atalaall.thIoStctrtl'I~OI(h)IlIl,,"'.~
nlordoa Ihla Stoorlt, lnotn"..... ~ -.........1 .....__. (0,) ,.,......... aII_..1cIt thoa -... be........,..
Seaull, IIIItNlOCOt lid... N... 1111 we ....lcnllo. W -....d;(h)...... aordcltall 01.., OIllcrcowut.. or __ (e)_
,U"..-lacurrrd 10 cnlotd...bb IGultr ......_. t.lodloa. kI.orlinlltad to, ro_WI --,.'Ie; Iod ('lltla ...
octI.. _l.ndcr..., -1>1, require 10 _.htI tllt U.. 0111IIo s-lIy"'-, Lnd.\....... IIoa ProptCl711ld Bono""
obllplioa I. ",'he.u"" ocaand bythl.1Gultr hllllO_ thoU eooll_........." U,.........._ by 80........ thIo SccwriIJ
l'II"'metl ud lhe ..11'- -.rrd ......, ohaIl rcmaia I.U, dl'cctivc 1111 DO acccJcncIoa IIad oocumd. "0_, dtio riahl ..
nlnlltle ,haIJ DOl .ppIr hi ....... of ....letlllon IIdcr -..a. 17,
... 8aIa ofN...ICIo.... III a- '*-. The NOI' 0" partItJ 1."""1..... NOI. (Ioplhor wl'h Ihlt 8ecurily 111II"'_) 10',.
10" 011I 0' morclimc....~hool prior noIlot.o............ A ....IIt, _In 'w.1o tllt.nIlly(hown _I".~ Scrvlm'....
eollcct._.., pa'......due UDder lhe NolC aod Chit Socuril, 11I1"'_1.11acrc........7 he _ or mOIl cIo._oIlhe L.l5enim
un"l-' 10. laic 01 lhe Nol., 1,......1.. ,hi. of the Loan Scrvloar, Borrower will he am- wrilll. aocIce oIthe......I._~
whh p......ph 14.bow ..d .pplicable law. l10c .otloa wlIlIaIC lhe __ and odd_oil...... Loan Scrvictr IIld IIle _10__
p'ymtntJ ahould tit mMc. T1M nolite trilllbo (IQ.taIn Iny odw:r Infonnadon rrqulrrd by appkablr law.
. It.. JCJt (1/10) 'r-r 1,,(lrar-
...
,. ...._...-.- '............ "",.."'" ,t..n 1""" I l'tlUll. 11...1'.....11I. "", "'11""" I'''''.' ." ,. ...." ""II.,."j",I
\;,............. ,u .... ... ;... ",~".\\ "., 0\'''''''' ."-11 ~...,' ,1,1 .tll.... "11)"11.' Ie.. hi 1111 '''tlhllll,U''"11,lh. 1""""1'1 .11. ,..,.,1 ..If.,,t
.0\\ ,...,..,...,.._...., to"" ,\, t''''''''''..'''II.,...,..',"'....h.1I ""I'III'lt 10111"1''''''111,,,.,,11I 1111I_" 111111..1'11I'"'''''''' WI_II'.1I IId,'....,A
),."........~ ""',....""'~ ,trr." .'" "....,.Ih ''''''''1\1_''' h'.... 'rl""I',I'h hi 1l1l11ll.I'lIlhl'IlIl.1IU" Iud III n'.I!lIIll.nll lit I~h "'11'. II,
..,..........' _"'" f"'''''''''fth 'W, , ~, '11I\\11.., ""'.."'.11) hn.,IItl.llutl..I..m, .1.11I.'...,'...1111 III 111'.-, at 'wIn h, "n) 1"1 .,Ilmc."."
.-. l'lr....f'" ."'.\.... "''''''1 "11\\ IU"""".t.. rl "I'''' , "'" III) 111I.hlllUI Sllb,tI"" r ur l'n_lIllnmtnl.II..", .hlll h ".."...t'N.
..~Ml '~I"'" " ~.'fl "1'\11I.....-' .. ""lll\t\t fl. '"' ',ltrflnnWlnlaln, '..UIIIUI, IUlhu,Uy,lhll.n, ,tlnlly.1 II' fl1ht. ,c,ul.1 limn 01
'..., Mat.".",.... ~....fk.. .ltf\ \1",lht r."l'fil" I_ ""''filII)', "11I11I.f' .hIUflll""ftll'lI..t.U ncu....,y '(mtdl.t .nlun\ In ,II I' tfd.f'4c
..., 1''''MMltM'' .....
... WlflIt Nl .hn ,.....,f't.JIh )\\, -n...nt""'1 Sl.lNllnff.- I" Ihult ...hllI"CCI dtfltwd iii 10'" Of hu.rdoUl .uh\..&oc,.. h)'
r.~~","'.l... ......tlf r"''''''''.,.I\lNllftC'tl: ,.ltdl"'. .rrnlfM. olhe, ".mINh'l: or to.ic~I'olcum producta.lnll' r'bIICM1n lid
""-~n. Wll&t\lt "'~I', .Ilfnlla HHullllln. uhtllt\l or rll.mlldehydt. Inlet radioactive mllw.b. A, Ulrd in Ihi<- plt.ll-lIph 20.
"F..w-.a.ftt.lla.- mta,., fH.nl '1M lid &lWI or 1M jurudicllon whtre lhe Propen)' U loeltcd Ih.1 RI.le In helllh. \O\rel)' or
tIlY'.OMWllal ~...,
NON,UNIFOIIN l'OVEN4NT1\ ..''''Wfl.nd I.ndcr ru.he, ,o..n.nl lid..... u rollo...:
II. A.fftIIIn~ RIW4..I__..... .1",_In.. lono". prfor'o Icnl.ld.rolowil.lomnur'tlHnc...t',., un,....
or...- II... _I, 1__1 (kl.ol prior 10 ....ltndoa ,nd" pII1Iplph n .... .wI'..... II. ....... Ul~"...~
~ ....lMICtfJ IonoWf' 01, ._. _I.'...: (.)1" "Ill"", (b) I.. ..110.'......10 c." II" ''''IIl', ("."", I...der......
be..-ll'" (.I....laII.. 10 "''' I.c Uf... u __ ...,......... ."'It'lllo..............- ~,l" SCC1IrtlJ '.'''0''-
r..' . ~ Ju6loI __.. ... ... ..... ~" ..... ....U _ Ial_ Iono_ of ... rlPllo ,........ ok
_tl.. ... ... rlPl'o _ 10 ... r....t.-, ............ _'""'... of. ..,.d or uJ "'... ..,_ 0I1on1l... II
_doa...__.If.....,.."..ool.....su....-,~c 11111 optIool_,roqoIro~ ..,_In fill "r..l_
._ ~,...1IoNrIlJ I..... '1_,.,...,........ _, rond... ...._"'111II..-11" jodld&l.........I. ,_
.... .._.._ ...._Ionan4I. ............................. .............pllJl..........bul.o' II.,"......
.lklnIoJo'.... .-..... _101M....... pocaJn..~, -4J" .. ...,
D. ..... Upo. p.)'IM"1 "r IU aumllC'CUnd by lb. Rccuril)' In.l,umml.llla Sccu,lIr Inllrumenl nd lbe c...le' mn",~"..I.h&U
ltrmin... and bc:c:onM void, ARcr lucb occumra. "coder &h.U dllchar.. and ..bry Ihil !\ecurily Inalr.IlleRI wilhoUI ~'hlr. 10
Bon..." Bono..... .....1..' II'.........OO._L
U. w..~ loftowtr.lo tbcUlCDI pcrmlucd b)' applicable I.., waim Ind rcJcMCt any cna, ordcf'fdl i. proc'tXllinr In cn(oru
lhil Sc:cvrity hatrumeat.. and _Rb)' ...hu Ihe benefil 0( anypruenl orfulure I... provldin. for II." of' UCtutioa. (J,lcrWttll,.rlime.
" .....pcl.. "001 _.. ..., lid .....1Ild b..-ud ...mpliOCl.
~ U. __ ....... Bon...,\ Ume 10..1_ provldcd Inpor.....rb IlclllU....nd lo.aehourp,iaclolhc:""m...nmoml
.... of biddi... . ohcrilI\... DC _,..Ie pw1UIlIllO lhio !leaIrilJ I.........
~ 2S. ....... -, _,...,1' ony oflh. debt _ by I~~ Se..rily Inlllumenlls IenllO Bo,,,,_.. ""'101.. IIU"ln'be
Propcrt"lhl. !;couril1'.......... .boD be. .0rcl1.. money mo..,..,
Ji6. __.... Aller ''''-1, On_ _Ih.,thc ............ plI)'lIhl, o/l.c, .judJllWlllI. '11"" 0. Ih. NUh'" i...
oetIo. 01......... '0......... ...oll be Ih. _ plyoble r,om tI....o "... uod" 1M Nole.
n. _ to.... -, r._L If one or _Ie rlden OR ,uc:otal br BonoWf' .nd ""nnlal tOFlher wilh Ihl> ~....rIt,
Iftltrumml. the cowaaatllnd IIf'tCmmtJ of"eII such rider ahaD be iClcorparaltd Inlo and dllD amead Ind _uppkmeal the ~'lI'1:naata
.... _ odlhio Sec:orilY hutnlmat.1l' tlle ridrr(.)....... port or t~iI ScauiIy IIII..menc. [Check oppli<oblc boolnll
[J Adjlllllblo.... lIide, [J Condominium Rid.. 0 1-4 I'1OliIy Ride,
[J Onldlllfcd Po)'l1l<ll' Ride, 0 PIonnal Unil DevtlDpmenc IIldn 0 &i.cll, Po,m... Rldn
[J 1IoIloo. lIide, 0 RIl. 11lIp"""'...... Ride, 0 5<<o.d H.....IlIde,
I!I Othc:cf 'lI'pedfy) LocJ.ol 'ah I bit
BY SIllNINO BELOW. 8ocro... *"\llllnd """'0 Ih,lt"'" ..d <<>_oluOnloloed "lb. Sec:uril, 11lIll1mI<011lld in..,
rida(.) ,-.sa! by Bo_.... ..-.led wilh b. . '
~=,.......,.~.....,.... .,.,"',./.!, {(/tI..I4r!<f.."". ;~,
. KDQ8'~ ~f~. (J ....1OMf
,.....,.., ,~,~.... ~...,.~ ,~. ~.~,....,...,... .. ..J:tIC\W,,((Mt....lG~.:AW,-:....,..... l!leol)
Mar10 cart WaI9.' . J IIonooo:T
p,....N1UNf... . ~ 1
. ,
C'OMJ<<IIfWIALTHf#PfHJflYI.\lANIA... ,........pl.... c..,. ,
01....... ,tlI "._ _. ..~r .1. 92........ .
.. - l ............,....... aobert W. ....nr .D4ary Clark ...~n:~.....~f.t~;;:;..;
...-., .... ..a.mw......aw.I"", t................u . ....1.:1II,..J. .:. ~
-------- <.~ ~;~
:~L' .-.=....-..,..".,- ~.' :\....:t,~,.,'1-, '
~~~ -.-.. \.. ~f!...
_..---~- , .,,,,,:-::,,~.;.t.
---.. -..-....- ",,-,1....,. Ifl,,'fIl ~w .
. --
~
Robert C.
!<DIU 00 mE 7&:1
.__ ,.,.. ",4,-'.~
AUGUST 06, 1996
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG, PA 17055
PNCMO]R'fGAGlE
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE, YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT
FORECLOSURE ON YOUR MORTGAGE IF YOU COMPLY WITH THE PROVISIONS OF
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT").
YOU MAY BE ELIGIBLE FOR EMERGENCY TEMPORARY ASSISTANCE IF YOUR DEFAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS, AND IF YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS,
UNDER THE ACT, YOU ARE 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"
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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,
BS234
AUGUST 06, 1996
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG PA 17055
PNCMORTGAGE
RE: LOAN NUMBER 450850
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF
$ 2,526,89 FOR THE MONTHS OF APRIL 01, 1996
THROUGH AUGUST 01, 1996. LATE CHARGES AND OTHER CHARGES HAVE ALSO
ACCRUED TO THIS DATE IN THE AMOUNT OF $ 1,408,68. 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 LETTER, IS $ 14,043.13.
YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS
LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 14,043,13 PLUS ANY ADDITIONAL
MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS
PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED
CHECK OR MONEY ORDER.
IF YOU DO NOT CURE THE DEFAULT WITHIN THIRTY (30) DAYS, WE INTEND TO
EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. THIS MEANS
THAT WHATEVER IS OWING ON THE ORIGINAL AMOUNT BORROWED WILL BE CON-
SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE
ORIGINAL MORTGAGE IN MONTHLY INSTALLMENTS.
IF FULL PAYMENT OF THE AMOUNT OF DEFAULT IS NOT MADE WITHIN THIRTY
(30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAW-
SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS
FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY
OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT
YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU,
YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY
INCURRED, UP TO $50,00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED
AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES,
EVEN IF THEY ARE OVER $50,00. ANY ATTORNEY'S FEES WILL BE ADDED TO
WHATEVER YOU OWE US, WHICH MAY ALSO INCLUDE OUR REASONABLE COSTS, IF
YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE
REQUIRED TO PAY ATTORNEY'S FEES.
WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL
OTHER SUMS DUE UNDER THE MORTGAGE, IF YOU HAVE NOT CURED THE DEFAULT
WITHIN THE THIRTY (30) DAY PERIOD AND FORECLOSURE PROCEEDINGS HAVE BEGml,
YOU HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AT ~{ TIME
PAGE TWO
AUGUST 06, 1996
450850
PNCMO!R'fGAGlE
UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE. YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY
LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S
FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE (AND PERFORM ANY
OTHER REQUIREMENTS UNDER THE MORTGAGE). IT IS ESTIMATED THAT THE
EARLIEST DATE THAT SUCH A SHERIFF'S SALE COULD BE HELD WOULD BE
APPROXIMATELY ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE.
A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE
THE SALE. OF COURSE, THE AMOUNT NEEDED TO CURE THE DEFAULT WILL INCREASE
THE LONGER YOU WAIT. YOU MAY FIND OUT AT ANY TIME EXACTLY WHAT THE
REQUIRED PAYMENT WILL BE BY CALLING US AT THE FOLLOWING TOLL FREE NUMBER
1-800-634-6012. THIS PAYMENT MUST BE IN A CASHIER'S CHECK,
CERTIFIED CHECK, OR MONEY ORDER AND I~E PAYABLE TO US AT THE ADDRESS
STATED ON PAGE ONE OF THIS LETTER.
YOU SHOULD REALIZE THAT A SHERIFF'S SALE WILL END YOUR OWNERSHIP OF
THE MORTGAGED PROPERTY AND YOUR RIGHT TO REMAIN IN IT. IF YOU CON-
TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT
COULD BE STARTED TO EVICT YOU.
YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO-
PERTY. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO
PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE
WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR
AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE
SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT
MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD
PARTY ACTING ON YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED
TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY
CALENDAR YEAR.
SINCERELY,
JUDIE JEFFRIES
COUNSELING DEPARTMENT
ORIGINAL VIA CERTIFIED MAIL NUMBER
COpy VIA U. S. POSTAL SERVICE
BS230
AUGUST 06, 1996
~
PNCMOlR'fGAGlE '
MARIE C WAEGER
1107 TIVERTON ROAD
MECHANI CSBURG, PA 17055
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT
PORE CLOSURE ON YOUR MORTGAGE IF YOU COMPLY WITH THE PROVISIONS OP
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OP 1983 (THE "ACT").
YOU MAY BE ELIGIBLE POR EMERGENCY TEMPORARY ASSISTANCE IP YOUR DEPAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OP RESUMING YOUR MORTGAGE PAYMENTS, AND IP YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING PINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS.
UNDER THE ACT, YOU ARE 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"
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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.
BS235
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PNC Bank, National
Association, s/b/m/t
CCNB BANK, N.A.,
Plaintiff,
NO. :
vs.
ROBERT W. WAEGER, MARIE C.
WAEGER and THE UNITED
STATES OF AMERICA,
Defendants.
CIVIL ACTION - COMPLAINT IN MORTGAGE FOREcr.oSURE
PNC Bank, National Association, s/b/m/t CCNB Bank, N.A., by
its attorneys, O'Keefe, Grenen & Birsic, P.C., files this Complaint
in Mortgage Foreclosure as follows:
1. The Plaintiff is PNC Bank, National Association,
s/b/m/t CCNB Bank, N.A., which has its principal place of business
at 539 South 4th Avenue, LOUisville, Kentucky 40202.
2. The Defendants are Robert W. Waeger and Marie c.
Waeger, individuals whose last known address is 1107 Tivertown
Road, Mechanicsburg, Pennsylvania 17055.
3. The United States of America is joined as a Defendant
in accordance with the terms of 28 U.S.C. ~2410 as amended November
2, 1966, P.L. 89-719. A lien was filed on June 3, 1996, in the
Prothonotary's Office of Cumberland County, Pennsylvania, by the
United States of America against Robert W. Waeger and Marie C.
Waeger at FTL No. 1996-3082, in the amount of $6,525.68.
4. On or about November 6, 1992, Defendants executed a
Mortgage Note ("Note") in favor of Plaintiff in the original
principal amount of $285,000.00.
5. On or about November 6, 1992, as security for payment
of the aforesaid Note, Defendants made, executed and delivered to
Plaintiff a Mortgage in the original principal amount of
$285,000.00 on the premises hereinafter described, said Mortgage
being recorded in the Office of the Recorder of Deeds of Cumberland
County on November 12, 1992, in Mortgage Book Volume 1100, Page
756. A true and correct copy of said Mortgage containing a
description of the premises subject to said Mortgage is marked
Exhibit "A", attached hereto and made a part hereof.
6. Defendants are the record and real owners of the
aforesaid mortgaged premises.
7. 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 April, 1996 payment.
8. On or about August 6, 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. True and correct copies of said Notices are
marked Exhibit "B", attached hereto and made a part hereof.
9. Plaintiff was not required to send Defendants written
notice of Plaintiff's intention to foreclose said Mortgage pursuant
to 41 P.S. ~403 (Act 6 of 1974) prior to the commencement of this
action for the reasons that:
(a) said Mortgage is not a "residential mortgage" as
defined in 41 P.S. ~101;
(b) the Defendants are not a "residential mortgage debtor"
as defined in 41 P.S. ~101.
\
-
r.~~
-~
4[fJgjD
RECCnili:h Ci ,.HC~
:t.:;.:&t:,~.'.:;~ ~:i,;::iY.P.~
'92 NOU 12 AI'I10 3~
1'-_1IIo1lot'.-..DotoI
MORTGAGE
1"15 MORTOAGEC"5cCIIIII~n.tnlIlIenl' II a\wn DO ..........~~!..~.~......b.i.....&Dd...n........"."."",,.... .
19 ?.... . '!be "Or1p&O' II ...~R."f!;.!!,..~.~!'!l'.~..~..~'iY..~M!\.!!~~~.,.M.~...~.L.....'!...~........................
............................................ r80no_'" Thll Sccurily "'Nmcal IIlMn 10............................................
...(:!;\IJl.llfn1c....If,h............... ..................... ................ ........... ............... . .hldllJ _lad aad ..iIt~ uodrr
lb..... 01 ....\I\'..lIII4~t1I.A~~"'................. ....... . aad _ od<lraslJ ....~~.~~..~~H.~~.~..~~.~I..~.!!...k..
....II...1.1P.0"'''''.1................................................................... ("......r'. Borro_ 0_ Lmdce tho: prlllCipol
_ 01... .7:IIll.1\~.l\lg~~y.,UYII. ~Ml\.Ml\ .RQ[.l!l9:;~:;~.,~.,=.,c.~~.,~.~;;~;;~;;~;;~;;;::;::;.7.'..... Dol....
(U.S.. . .i'''''OQP-.lIQ ~ T1tla..bt II CYIclcnccd by 8o_~ note dol" .he ..... date u IhlJ Securit, J"'InI....1 ("If....,. whicla
_Ideo rormo.lhly po,....... wllh lbe fulJ d.bt.llllOI paid wiler. due aad po""',,, ...~~..!/...~9.~L................ .
1biJ Securily IllIIrvmenl.......,., Laodcr. (a)lbe _)'ftlttIt ofllll:..be ..."'...00<1 bylbe NOlI. willi Inl...I..ocI all_..lltlruiou
aad .0,1IIlcotJolII ofUII NOli: (b) lbe pa,01ClI\ of III other....... wiIIIl..cral, __ uad" parqraph 110 pro\cld lbe ~I' or thIJ
s-rity IIIII....nt:and (e) lhe performlDOC or Bono..........nuII aocl_1a uocl"lbiI Sccarity 111II"""'01 aocllbe NOlI. For
1.10.......... Borro_ dOCll bmby __..... aocl """vey\O Lmdce ilia rollo....~bod prvpcrIylocaleoll. ................
............... ........ ....... ..~IIINl.. ...... .......... ..... ....... ........... ............. ....... Couly. P'nlllylnDl.l:
The 1'"1_1 de.ctlpt1.on or which i. attached. hereto, Md. . part hereof and _deed
bhiblt eA-.
whidt blithe addl"tll or. .... ...... ~.~~.?.!~.~~~!!. ~~.......... .......... ........ ......... Mechanic.burg
IIIIIlI . ...................jQ,j................
PaIIIly\vonIo .. m~ L.............. rPropeny Addma-';
IlI,CIdoI
TOGETHER WITH oI1Ihel..pnw_01a.o.or beraftor_"I"JIfllIlIrI1.&adolJ_"'~_&adIU_
..... or hcenRct. pan of \be propcny. AD rqUoemc.tuncl ~ .b1111110 ........... by .Iia Sealril, 1..._ AU or tho:
rorqolna II rd'cmd ,., I. lhi. Securily 111I_ .. lbe -"'-'Y.'
IOItROWER COVENANTS IlIot Bo.......III.wfallJ..bed o(lbeatole hamJ-WJOd llnd bar 'horia...o.............._
con..., the- Propa1y ud tbllht Property II uaneumbend." c&CC'JII rDf' tDCllmbntal 01 RiCant. Ionvwcr wamnU ad will tkf'cad
_llIIIy "'11da rolhe ~ IIIinIIlllell!1lll &ad -.. ..bjeolro 00' _br_ 0(-'
THIS SECURITY INSTRUMBNT ....W- ual(orm e__ ror aoIlon1 .... and --U_... """ wish Ilmltal
_10. ., Jarirdlalooo ro "'Ihute. anlIono _, 111I_ Oll'ICIiJlIral propaty.
UNIFORM COVENANTS. Bol11lWl1 aocl Lead", _ ud _.. rollon:
I....,.... .,......... ud .................. LMa Ooq& 110.,__ ........-pdJ pIJ ""'" due... princi,ol or _
10_ o. lbe _ ...,.... ., IhI Nota ud U)' ...p.,- .... 10M........ due .odor .. NOlO.
2. '.....T..... , S.bjcd 10 OjIJIIIcoblc ......10. wriun........, 1AadIr.1Iorrner.1lIII PIQ' \0 .......... day
IOOtIIbJJ 1'1).....11...... ndcru.. No... utlllbe NOlO Ia poW Ia r... .....rp.......,ror. (a)~- aocl-- 'WblCIr 0lIJ
11III. priority OWl lbIr SocarIly 11lIInlalCnl...1lea OIl till ~ (lI),..Jy1e1llllold JlI1- ......lUldreoll.... PnIpoat,.1f
any, (e) yoarl)o buon! or p-,y 1......- .......ma; rd) )'IOflJ lIood __ ,,'--'1 ooy, (.) )'Hrl, ~ ~
...11II..... U any, ud (I) ""l' .... ,.,ule by IIomrw<< 10 Lndor. Ia __ wkb ... prorilloM or .....np. 1,1&" of IIIl:
paJlllClllormort_lnnroK. ...mI..... ~llClIII... caJIed"l!Icrowl-. ........n.y...oortla.coI....ud hold F......Ia..
0100'" .01 10 '_Ibe ....!mum "OUI . Ie"'" ror. r.....1I1 RIoted .ort_..... ..., nqulrc r.. 1Iorrowa~ _ _
IIlder the Willi RnI Elt.1I SeuIcnat Proadura Ad 0( 1974 u.- rl1llll tI....IO limo, 12 U.S.c., *1.. "".('1lESPA"
1Ill.....OlbcrlJ.11IIc ....U..IOthe FlI.d".II.I....' _lll.... Lenda ",1)'..I...,Ilme, coIl..uncl hold F.och loon_...
10 ..ocod .he IalCr OIOoanl. I.c1ldcr..y atiIutc lb. ..oo.t of Puadt d.. 00 lhe buIo or ...mol dot. .ocI........... estiolaln of
..pIllcIilUm orr.ll.. EIe_ Item. or Olherwlae Ia ocoonlanoe w11b oppllcoble Ia..
nc Fuocl..halI be held in .. In.t1ll1t1011 nOli "poilu ...Iuurod by. redcnl.,...,.IOItrullllOlllil" or .nllly (1IICIud... Le.......
if Leoder lI.uch 10 I..lilltlon) or in..y Fedcnl H~ Loao Bank. Laodc, ...11 apply the Fund. to p.rlbe Eac,ow hclllJ. Lmdce ...,
00\ .harp 8oml'" ror holdin..nd applylna I" Fuocl.. .lUlUI!ly uIIy1i..lhe....O. ....U.I. 0' wrif,in.lhe E.lenwr Ilea. ......
Lende, PO)'l Bo......r........ on t.. Funell.'" .pplicable law pc""" Laodc, lo..ob lOCh . .b.... Ho....,. Le.d.r 011)' nq.i..
PU.SYlVANIA-$lofor...~-'_...,,_.....I/O.,unUlII1 1.._ (IIlO) _lof'~J
~ood 100 PAct 7&6
8..no....' IOP'7' one'limcdl''1<fOf In ind.pendral ,..1"''''"1 "'poninl....~. ...d by L.nde, Incon_ie. wi'h Ih.. ~..n. unla.
.ppllcable I.. p,o.ide,o'hcrwitc. Uole.. II ........0' i. mode Of Ippllcablel..",qulrClIrlIC"," 10 be paid. Lcnd...h,IInnl '" lOIj.1raJ
'0 poy Bono.., '"7 iOle..... o,wnJnp on the Fund.. Bono.., Illd lAnde, 01'7 '1'" iro wrilin.. hO_.IUl inl.n.llh,1I h< p.id Oft
lbe PlIIllb. Lcnder,haU Ii..lo Bo"o"'. .-ithouldl.rp..n 'In'" accouaci.,O('be F'ndo,.howinlcred~..ndclcbil"Olhc ~undo Illd
I'" pu~ ro,wbleh.achd.bit 10llM Food. w. made. '!be Fund..,. plcdlfd II .ddiliolll.l.....riI7 ro, .Ihu.....""rd b7lh.. Set.ri'7
1""",-
lllbe Funda held by Laul.rcJU:Ced Ih. .01ouol. pe,milled 10 be kid by .ppllcabl.law, l.endcrahlll ICCOUIll,' 1Ior..,.., ror IIor
...... Fund'IrlI<<ordana:with lbe roqWn:mmlao(IPpllabltllW. ,rille lIOOUnl ollhe Fundi held by 'Ader AI InYlillle i. no. .ullkic.,
'0 pa71he Etc'_II.... lObe. duo, Leader "'7'0 nollIy Bono...., In .ril.... Md. In .uch "". Bo''''...., Iblll PlY lu lond" 11>0: amounl
n_ry 10 male up lbe cIcfleicn'l'. Bono... rball...h.p lbe clc/'u:ieocy 10 no ..ore'lan 'lOti.. O1OOlh/, pl)'lll<nh. "'ondc,\ IDle
dllCf1:lioa.
Upo. p'ymenll. rull 0( ..llu01...rned b7lhi. Seaarily '1Ilrumenl, Leader.hollp'ompllyrerund '0 Bono..., "ny !'und. held by
Lcodo,. Jr, UDde'par....pb21. Lcoderrball acquire 0' ..1111.. Properl7. Lcodo,.prlollo"" oc:qulridoaoraaJeo(llor P'''r'",.'''''1
.pply 1.0' F..... bold by Laulu Ill'" 11011 0( lQjuilillon or oale II . credU opI..llht "..lCCIIred by llUJllecurily 10~/II""nL
J. "JIlIIIeallotl.,...,...1o. U..... oppIleable I.. p,o.id.. OIbenri.., aD p.)'ItlInta received by Lende, under P"....rh. IIlld 2
",.11 be ."Ilod: finl, 10 .., prep')'IIl<nl.harpo duo uode, Lbo Nolo; ....nd.IO amounllpoyablt uodo, para,raph', 'bi"'. I. inl....t
due; rounb, to prind.... dllC: and I..~ 10 "7 We ch..... d.. uodo, tbe Noce.
4. Qorpoj 1Jeoo. BOnDftr .baD p., ..II..... ....OIInl.. chuica. no.. ond I..poridonsallrlbulable to "" P'''I''n) wllieh...y
...... prioril, 0'" lid. Se<lrilY'DllnuIleolt,and lc....oId po)'lll<OI. 0' I,ound ..... II aDY.IIoml_ .laU poy..... obIiptio..la ""
__ocr provlded I. ......raplI2, or II 001 paid In lbal.........1Iorrowu .baD poy...... on limo dlroctlJ 10 lhe po.... oMd PlY_.
Bono... IIIID "oa,." IIuwUh 10 lad., allllDlica ol....u.ta 10 bo paid under IhIs pat.,...,.. Jr Borrower...... Ih... PO)'lll<.ta
dlrutJy.Ior........ .baD..-,cIy ftIra!o1llo Lcaclcr _I,.. cvIdaod.,lbe _.10.
Bo_obaJl P'oDlpclydla:...... uy IIca wIddl bat priority """ uu. Serurit,lorIrumral unJc:a Bonowr" CO) ."..... .,illa,to
tho ~ 01"" obllptloa....... b,lbo Ilea.. _1CO<pIabla to Lender; (blc:oalcllo I.FOd 'olrb the 1Ico by, '. d'....,.......
1IlI'_ ortho Ilea Ia, ilpl '~Iop.....b Ia 11Io LcaoIcr'ooploloo oporate 10 pnv... lIlIcnforccOKlllnflllc I~II; 0' ,.).........
'rolallot boIdrror"" IIcn 10 _..... ooclrt.....,to Lcodrr ..bonIloatlq ,he Ilco to WI Sonrity IIIINIIICIlL II I.nder ~,1mni_
IIoaImy pill of I'" I'roporty io lubjnot to .lItn.....h...y attalo priority """ uu. Soalrit7Inotn_. Londor _~... ....'n.. .
aodca ldratHyIq Ih. Ilea. 1Ioml.."haU IIlIrlY lbo Urn Orlab one or IIlOfe of"" acdollort'ortIt...... wilhlo IOd'l" '" 110..';>1., or
IOlb.
50 Hu.d......., ~ Borro.., rhall bop "" "'"".. I. -nlItlai or h.rcoIlar........ 0111'" Propcn7 i_
............ by Iln, bounI.!oduded wlthla 11Io..... .ulcttllod -.... Ind ..,otbo, buanI..lncIad...11oodo or IIuodint. ror .blcll
........ ""IaIno 1- T1ria """'"- _ bo IIIlnlabd 10 the _0" .... fo, I'" prrloda.... Leoder roq...... TIor i___
c:anicrproylditlw tho Iaou,,- rha1lledooora by 10...._ IIbjca 10 Lcad,"'uppronJ.bln.ba11 not be 1Uln:lIOn.bIy ..;lhhc"..r
......... folllto mllotola ..........doocrihod....... Londcr...,.. .I..ead.... optloa.olJtaIa .........10 proc.ct Lc1ldcr\ ,;,bl.ln lhe
I'roprny Ia ...oed.... with pIt'IJapb 7.
AD '-- poIiclca ... n_ obaII bo 0DCqICahIa to Lcodor and _Indude. 1Candar41DOrt1111 da-.l.eodcr,..II......lIlI
~ to bold the poUda ... _10. II ~ n:qullOl, Borro_..... prompcly !tie 10 Leodor aU receipta 0( poid ,...,.........
n.rwoI D<<bo.lo lhe,- "'1_ BonowulhoD Ii.. JlfOtCIfC nolllalolllc 11I.....curicr and Lade'.ladar 0lI711lU ",,"of 011..
lr.oc ...... promp.ly by 1Ioml..,.
U..... LotuIrr.... Bocro_OIhenrioa.....1o wridlll.lnaurua proc:rndo .haIl boapplled to _onclo. or rrpoif ohhr Proprll7
dazaapd.lf II.. _orado. 0' npalr Is oeo.oatleaDy rculble.nd 1.elldc,~ IOCUricJ is .ot Ioooeaod. litho ....orlllo. or "'1"'1, Is not
oco.o..ically f.llibl. or Lendcr\ -..J'y.ould be Ic:ac.d, tlel..uroom prOOOedll1lal1 be.ppIIcd to "" IUIOl _red., Ihio Soeurily
'............ wbe!her or oa. thcndllf, ookb &11)'...... pold to Bo",o_. If Bon...., .haodonslhc I'roprrt,. Ofd<<s nol_ al,bI. JO
d.,.. - f,oDll.endcrlloal.he lo'01ua ..,rie, hoo oll'.red '0 ocu...cIaIm, Ihe.1.endor m.y collcct tho Inourucr P_', Lender
..., WllhI ",_Io..,.u or........1he Pro....y 0"0 p,y 1l000lCCllred by lhlo Sa:ooril, f""'"lIIol, .beIhor or noIlln due. 1br
JO.da, pa\od will..... .....lIlI_ II aMa.
U..... Loodrr........ -- othrnrbr.....1o wri'....., appH..... or "oenda to prioclpoJ obaII not....nd or """,,...lbedoe
daIoolllo:_othJy po)'lll<rllalll.....d 10 Ioparqrop/tJ I.... 2 or.....,. "" lOtOuntorlbopoynata.lluodcrJl&Rlnllh2111lr ProprIl7
b a<qaInd by l.eodcr. 10_\ rilhlto lIII7 la.rua polidCl and p_ raoItlot rro.. ~ 10 lhe Propcn7 prior to lIlI
acqRlohlOtl oIIaU _to ~ to lIlI ~ or the -.....red by'" See.ril,I_1omadIateIy prior 10 lilt acqoio~....
"It - "<7,"_. - .MaIoI ..'-tIe......"-'nIonow.~r-"II,......... ., .o".....oIIaU
""""Pr, ~b, and _Ibe "'-"r II ~\ priodpal noIdrncc witkin Ill""" oIIa'lbe.....ti.. orthloSerwrily ......_
Ud obaII_OICIO ocnpylbe Ptopany 1l1Ionowa\ princIpaJ _ror . Ie... __ aftaothed... of ..........<7.......1.onder
........... ......In wrkJna, ...1cto......OI.... 0" be ..........bIy _lot. or........-.u.,cln:u....._.... _... bc700d
~"__rol. Borrower ohoIl.otot.uoy.-.. or l~the ProJlO1Y. allow lho I'ropcrt,y,ocleleriorate, orcommll_ oollll
I'ropcrtY.larrow. oUtl '" Iad~ II..., forfoltu.. - or P'-", _... rMI orerUolaal. II",,, lItot i. Lc.......FOd roltb
J""_ - rault I. rorr.... O(tbo PropcIl7 0' 0CbmriJt IlIIlrriaUy laIpolrlhlllea rnoIrd bJlhIo SlClril,llIIlru_or LcMtr~
-., .....Ior.....r ->'.... nch ..w.... ood........... Jlf'O\'idod In.......... 'I, by......lIlIllQloa or"-lna.. ba
d....... wltb ..ull.. tbt.. Laade.~FOd faltb......1aatIoa. prodwdao foddt... orlba........\ ........1.lIlIl'ropatv.. DlIoor
lllaIalaI iI.poI....., 0( the Ilea ........ b,lhlo Scocority 1_ or ~... _urity I.....L ... '''- .boll alw ... in ,1d.1t I(
BorfOMf. clarioi the Iou ..,u..c;oo po.,..... ..... _r1a11y ,.. or 1_10(......... or _ta .. La" (.. r.ilod to
"rvridc I.eorIcr Irith &oy .....n.llnfonutlo.) III rnouctJoo with I. Iooa _..... by 11Io Note, indodlna. ...., ... IUtrilod to,
~ COll<lII'alq Borto.e,\ OCCIIpuq""" Propcn7.' priodpal n:...._.lrthlr Sacurity I......... i.oo.............
Borrow, rbaD comply.-ilb II "" pro.ioIoaaollllc I-. Ir &om.- acqa1ra r&ll lItIc 10 11Io Proprn7, 11Io ~ and lbc ""~II""
"ot -. Ullloro Laodcr _10 the _I. wril....
7. "'-doo ofl.adar~."....... "-'Y. U lIoml_raao to perl'ona Ilot.... -'. and_ con'a1oedla 'lib lieaoril7
I...~ or lIu:rc i.... procnd...lItot ...,....llcaotJy aIract ~\ ",hello tho Property (I....... ..-..fin. iro ....~......"
prokre. ror condcrowloa or ,orrel.ure or .. ralorcc.... or~). ...... LcncIcr.., do.... poy ror Irbalaw, II """'.ory 10
ptolect lbe...... oI.he Propcr1,and Lcodo,\ .....10 Ihe l'ropCrty. Lcoder\ actio....., Indodr PIJioIuy..... """"'"" by . lira
wlllch... priori'y cnor, Ibl. SICIri,y III_~ _ori.,lo co.... JlO7iD& "'-...... 11I.....,..'001 and ratcriot 0" liIc ....""11710
IllItr n:paIra. I\Jthouah Lctodc, DIIJ tab actlo. ncIcr WI fInIrOPh 7. Lcodcr d.... 00( hi.. to do 10.
AD7 IlDOWIlo dbbuncd by LrocIc, -, thIo pat.,nph 7 .hall boeo... ...dki.... tlebI 0( Borro_ .ccured hylhil s.curily
1- UaJc:a BorrOR< ud lcnclc, .....toOl.... _.. PO"".. I"" ......nu IhaD lar In_ r",.. the date or di...........ol
atlilc Noce...., and IIta1I be payable. .-ith lnIe..... upon .ot.ior rrom Lradr, to IonoM' roqua,l., po7f1l<llL
L llforfplO r-o... ULcncIcr n:quired 110","," i..ura."" u. c:oadldo." ..all., "" '-.....red by Ihis 5o<"ril)' I.."......,
BOlTllwcr IbaII PO,lbe pnmiu... roquired 10 ma10caln I'" IDOlt&&lllanr,- i. eIIm. Ir. ror '", "'-'. the monpl< ..uranee
<owrap 'equired bylcndcr...... 0' _to be I. 011'.... 8ono_ rhall POY'''' p"'...... roqulred '0 ohtaio _wI< ...""I...blly
oqui_to lbe 010""" i....""" pnviouoly in dYoct, II..... AlhotaotiaJly oqulvolenl to lbe COI"o Borrower or Ih< 11\I'OI1_
'nlllll .. '_,'.f'",/
olOOJ 1100 rJ:r is i
....
Ixhibit "A"
ALL THAT CIRTAIN lot or tract of ground, dtuete in B&qlden
Town.hip, CUllberland Count" p,nnellvanie, .. elt forth OD a
Preliminery/rinal 8ubdivi.ion Plan 0 Highland. of Heapd.n Sqnar.,
Pha.e III, ae prepared br Act One Coneultant. and la.t revlaea June
1, 1'8', more particulerly bounded and de.cribed a. follove,
to .itl
IIGINNING at a point on tbe .e.tarly right-of-.ay lina of Tiverton
Road, a fifty foot right of .ay, uid point tMIing locatad on a
cour.e of Nortb fourteen degree. zero minute. .era .econd. la.t a
dietance of .even bundred forty-nine end .btlln hundredthe
(749.15) feet fr~ the centerlina of Blntley Road, a 50 foot rigbt-
of-.ay/ thenca along tha dividing 11ne of Lot 453 and Lot 412 on
the efore.eid pl.n on a cour.e of 80uth .event,-.b degraa. ..ro
minute. .era .econd. we.t I di.tance of one bUDdred fort, and ..ra
hundredtbl (140.00) teet to a poiDt along land. now or tormerl, of
Soutb Cantral lervicI' Corp., llaIIpden IqUIri Ind Chit Acklr, thencI
along tb. dividing I1nl of Lot 452 Ind .aid landa on I cour.e of
Nortb fourteen degree. ..ro mioute. IIro ..cood. a dietence of 00.
hundred forty-flve eDd eighty-four huodredth. feet: to a point,
tbeDce continulng along ..ld dividing 11ne ot Lot 412 and laD de IIOW'
or tOrlll.dy of louth C.otre1 ..rvlc. Corp., BupdeD llquare and Chet
Acker OD a cour.e at lortb twenty-.ight degree. thirty-.ix milute.
thlrty-niD' IICODda .ut a di.unce of d.teen and fitt)' hundredtbe
(15.50) teet to I point/ tb.nc. along tb. divld1ng lina of Lot 451
and 452 ot the aforl.lid plaD on a cour.e of South ..vlntI-light
degree I twenty-.even .inutel twenty-eight .aconde "It a d Itance
ot one hundred .bty-four and torty-flve hundredth. (114.45) f.lt
to e polnt on the w..t.d, rlght-of-way 11n. at 'flverton load,
tbence along tbe .rc ot a curv. to the rigbt, .aid curve baving a
radiu. ot 200.00 fa.t and an arc dietane. of It.l' tHt to a point;
th.nce cODtinuing along the .aid wllterly riglJt-of-way 11n. of
TivertoD Road on a cour.e of louth tourteen degre.. ..ro minute.
.aro ..conda .ut a dlatance at .ighty-four hulldredth. (.84) t..t
to a point, the point and place of BIOINHIRO.
IIING Lot 4152 of the PrelWnery/Pinal SubdividoD Plan of the
Highland. at IlaIIpden Square, Phue III, a. prepared br Act one
Con.ulunta, dated ICerch 30, It It , lut r.vi.ed June 1, It It ,
recorded In tbe Cwlberland County Record.r of DMda OfUce In PlaD
BOok 5', Pagl 3.
~II.G the .... prea1.e. which RObert .. IIaag.r eDd ICede Clark
'''Ver, fomerl)' luaown a. ICede O. Clark, bu.band and wlfe b)' daed
....r l\8GlId"'!Iiulry ,25. an and recordlld 1n the Oftice of the Record.r
':"I)~.~..':1it .D..... 'lD eDd tor CulII>edlod Couot)' In De.d Book 34-T, Page 121,
f. 'o'( ;~:~anted Ih.d conveyed to IotMIrt II. .aeger aD,d :MfIUhIfJ,prk .alg'lr,
: "'!~:!' b~ah~nd ID~ wite, Borrow.re hlreiD.:,.,..r,,'llnd J B8
: '.~~.., ,#0 '. ,:OII"'~ff...Iar""._....golo.cdl
: ~~,..{ , :;.: 'tIJC' "''Sh!alnl-Iond~
~ ..:...."'~ ...// " I"PA"lLLYol.:::-'",,~
" .,....... ...... ..'"' 00 v..,..,~n~d~f
11~~~4i.il)~";.::.--" _U PAC( 780 ~"Il: II.!,.;
,'I".......... _fJ__~_~
~ ~
IlImlnct pmol....., III oIloct. (rom III II... _.11 __I",""" _<nod _, lAndor, 1._OIllIIliaUy ~..lcal OlOrIpfIlnau,anoc
-... La 1OIIYIIlIblc.Borr01l'l' ,hall pay 10 lorido, _h ~ I "'"'oqIIIl 10 ono-lwotl\lo oIlbe~, -._1"'..... pmnIum
t:;I,lkt by Iorrowuwhm Ihlln..ranoo.....'.. ~ or_Iobell_, I.-r wllI....p~ _ and _Inlloao poJaouu I
m.". In II.. 0' -'_1.._ Loao...... pa)'1lllnllmal 00 101" ba reqllirod.1l1ho opllo1o 01 LencIor.I(~ In&anIlcr
... (1IlIwllmou"lftd lor IhI period lIIa. Lndrr reqalra) prO\'ldod ~.. inrum _owe! ~ u...r ifill '-"-naiIlb1t....
II Oblllood, Iorro.., rhall pIJ lbe pmol_ requlrod '0 mallllillIDo/tpfr 1_10 dl'.... 0'''' prorido 11oaI1QnC. .nllllh<
reqWrr.....,or mOIll...lllourlnor CDt\J 10 IllCOnIanor wl1IIlII, wrtn.. ."......1 "'_.Iorrower ODd LrIA<< or 'I,~. bleln.
f.lr JU!Q. Leaf"o, III ....1..., lI\Iltt ..uouw. ra&rIoo IIJlOII and IorpactioN 0I1ho 1'ropanJ.lAodcfIW."IIonowc,
norlrc.1M .11Dt 01 0< prior to IIIlupoctlon .pocl(,l", _DlWe ~ Cor Iho lnapldlaa. .
I'. Cow-llae. no p~. 0(10, IWlrd 0' claim (0' d~.. dlrod OfCClMlqlll.llaI.1n COllflOClIoo wl1II orrjooMt-.tloo
0' DlIM, lUll' 0111I' pIr1 01... Prvpcn,. or lor __I. Uou 01-..1100. 1ft bonbJ ualpod ud .hU.. paid to \.c"'r.
I.IM...II 0I.,01Al tUJOI ollh. PrOpal'.I..,.-........ oppIlodIOI.._...... bJ thll Socurll7!lIIlrual, !IliodMror
not Ihca dUD, with ..,..or. pold to Bono_. I. lhe ewel 01. pertIaIllllI", 01... ",-" 10 whldl tbc faj, IlIItd .... oIl1wl
PropcrlJ l.uDldlotal, bofon thllllllna La aqullo or I'"*' lboa... UIOunlolllot au......... bJtWos-rtl,..._ iIulodloldy
bofonlhl.ckIq. ualao Borrower and lAnder.......... 1.0 wrl\1oa.l" _....... bJI"'s-riIJ 11ICCnI....1UII.. roducod bJ
IhI &IOOIUll 01 the proceaIa ...ltlpllod., lho ,00Iotri..,_ (1)1ha IoIal_Ioflho IU.......... ...-A,...., Won Iho ~
dlYlded bJlb)lho llir owl" vaI1Ic oh" Proparl' '--lalcl, Won tbc IItIot- MJ bcIa........ ba plid ...lorrcmr.IA....- 011
partlallUl..oflho Propal, 10 wtllc.lbc laI'lIlIfk. YIIuc oflhl rropany ""......., WOII"'1MIaa II ........... _I ollho
.u.......rod IlIIlIlOdlatdJ W.......llllIaa. ualct.Iorro..,... Lnderotbcrwlct.....1o wriIIIaor u....IpJH..bll 1ow0lllcnrl0c
"ovIdra.lho..-.el1 .boII.. cppllod 10 the ....1OC1If'Id ~ tWo SocurII, ~ whatloc, or 110\ ... .... on u.....
1I1h1 Propen, La lbudo..d bJ Borrower. 0, II, aile, ftollOlb,lAlId"to IIorrowar IbM tIlI.OodoalllOf olfclllOlIIIb......... or
-I cIolm lor ~.Iorrowcr r.n.lo rapood to Lmdcr w1tbl. JO ...,.IIW Iho.... dol..... 10 tl_ Lender 10 _~ 1...1...
CDIIocl ud .ppl,l" ...-.. 1111I optloe. .1.... to ...orcll... or npaIr 01 tba ........, or to 1110 '''' __ ~ IWr SIalrily
1_....... 0< DOC lhn d...
Un............ Dorro..'OChcnrlw.....lllwriUoc. II' n" ..... oIpr_IoprloclpaJrUll DOC .._or"",-Ihod_
dIlc or lhe 1ID.1ll1, ..,1Ia1l .......to 1.0 ......... I .... 201....... ... _ ,,_ .... .
II. lor-. Nol .. 'I ........._ ., ~ .... . ....... Eo_loa 01'" ... lor ..,... or --....... 01
.....nlatlonor the........rod by tWo SocuriI1I_.I....... ~ 1A......II1_.. '- ,,-..-........ ""'"*
to-tha1LabllllJofllotoripalBolTcmroc aor-~'-'''''''l.-rcUlllOl'''''''''IO- fCOOCOdlop
....111I1 _10 ..... 0< ........10 lllaId _ ror ,qaal 0< ...... _II')' ~ ". _ --.l bJ ..10
Secaril, ,..,..-by.-o..h.'........IlIdo~I.........lIomnnroclorr...... , .1010-. Al)'rnun.. bJ
LcIIdcr 1..lCf'l:ldq..., ~........, rllaII DOC .... __ 01.. __ dol...... 0I1IJ rIPt 0<.......,.
n. S I . .. AIIlpo loaM; lobol .. -.. IMIIlJl C. "lI _ na _. -.. ... ... ~ 01 tUo lloady
Inatrun"1 .ball blod ... booofIl tho '_11 lid ....... ollAr1d. ... ....0....1UIijact 10 tllo pro..1ono 01__ 17.
Iorrowcr~ .......... ud .........1I1U11 be)oll'........... AI)' lo....-w.oCHlplo I.-s-tq 1._ bal d_.....-
the NOlt: (I) LaC04lcnl..lhIc Seouril, 1000....ol..., to~",I"'......, lIlal80...__ "1._10 Iho "'-"ucla...
tar.- or tide _'I, 1U1......~ Ib) II DOl pIIIOIIIIy.............,...... _1tlI ~ lhIc IlocMlJ ...._ ond Ccl_ tba\
Lend.. and 10' olher Iorro_ ..Iy...... ..lIIII. -IIJ.I...... or make 1111000 ,htlou wIIh rqord to the _ 01 thla
ScaIriI,I_1 or'" N"", wllIloalllllllorro..............
13. ~ Oarpc.lltbc Iou acand byl'- Socarity 1..._" l.bjDrc 10. Lawwbldl_ Dl&lm...loucll.... .......In 10
fIaaII, ~ 10 lbIl... inlma or othor 1011....... CDIIoccod 0< 10 be 0DII0clad Ia " '- wkh tba 1_._. .....ltcd
IiIaIlI, lbcI:(.)IIJI....IOII......1IlaII belDll1loo&lb,"'lIIOlIIII-,IO"'_ tba...1O tlIaplfOllllld 1mI~"'(b)a.J ''''
a1radjocollecud lro.. lIonv..r wbIclscuocdod pcmklod WnIta.ba rafundrd to 1Iorrowar. LcIIdcr..., _10 _......and bJ
rod..... ,he prindpal_ -... HOlI or ~ mUI.,.dlrra pIJInOOIlO ....onr.ll. .....lId rod_~tha flIlIocdoa tril be
- u. partial p.....,._ wl.hool u, pnplJlDClt cbDlJC _.... H_
I.. N-.A., IOGlIoc 10 Borrower p,crrIded 10< Illlhlc s-u,.......... _... ai- ~"....uw k or by .....k bJ n"l
dau maiI.Dlaalppll.- IIw requlna _ oIu""'" mrcIlod. na _ _... d....lO... f'Ioapat, AddIIII orllJO\kr.......
Bono.... dralpral<l by _10 LcIIdcr. All, DOCie< 10 .....d..IIlaII....... by 11III rIMa IIIlIIO 1Alldcr'Iadd.- __.... or..,
., add... l.cader ...,.....- b, oocil:c 10 Bonowtr. All, IOlIoc pnrvIdod roc III tldcSocurllr ,..._ cUll............... b.1O
Ii- 10 Iorro... or loodcr willi Ii- u provided ....II parIIfIlIh.
15. c....... I...: !Intnbl1llJ. nil Secvril1lDDlru..... _ be '0"""",, ~ r.......ln lid... Law oIllotjarWldJoa 1.0 wIlIch
... Pnpal, 1I1oca1cd. 10 the....lth.la.Jpnnololoaor_ orIlllcSccacky...._orllot H...ooofIIrco.....," .. ...._~
coofIIcl.hU....alToct or"" provblonoorlhll_"'''..-orlM H...._.....atw-dIod _...._.......--
TO.......lh.pr.,. . oIlbIo _lily ............. '100"010 .._to ba_
I" .......... C.".Iocroww........ t1- _ _........." 01... H...... "1iII_, I_
.,. T_al.. ~.. - - '" '- II ....__.Irallor.., panollho "-t10< ..,......10 Illlaold or
-- (or If. ~ inl..... I. ........... aoId or ~... ......... Ie 110\ ........ ...-)_ ~ prior
wrill...o-. ......1III1...1la opel.... requl....-.l'11I ~ Ia 1aII0I1II_....... bJtWo....,__IIaMwr.
I" optIort au noc .. -- bJ LencIor If........ .. prollllJlW bJ WcraIIn ac 01"''''' 0I1iII Sao.ll7.....
rrLender.ccrda Ibll 0I'rI0tI. Lender.....tht -..-.orIoc or....1rnIloa. 1\c 1lOCioc........... prriooI or........3O
dl" CIOIIW dllC ,100 _Ice II dclhctocI or...... '"*ia wIlldt Ior_ _ ,.,. a11.......- bJ lhIc s-tr,...... I L If
Bono.., C'" 10 ,., - - prio, rolho uplml... or IiII pcrllld. ~ .., 10..... ..,.............. ~.... s..k,
......- _nc IIanIIor nocloc or..... 00 aon-.
IL......... 1-'" ............ Ifllomnra _ __ GO .,.... 80...-.......... .......... nI_ allill
!lecwhJ I............ cIlocoalla.od u 111 II.. prior to.... cartie< 01: (I) ,...,.. (or............... .. - .. In..,..., r..
..lnew.....1) bcf"".... oflhe Propart, pIIIUIIllto II1powwolllltalOlalam I. tUo IIocarIl) ~ . or"'III"II.j.. I
..,......."'1. _ril' IllIlnu...1. ~condlIloac -...I...__.(I)..,.IA_III_....._ ........._..
Scnri., 1......,.,,1....,.. HOIo aclf 00 ....1cr1'loollld 00C1Il'lId; (\)..... II1dcf.... or a.J ...Iler_or _ Ccl FIJI
a1lu_Lonumllncnford.,lhla -, 11Ilnr_.laehldbla.... ...llnlsM 10, _.... ......,..roa:...~__
- acl.ndcr ma,_blyraq.lnto_nlhalllot Ile. orllllos-lry...-.InHr'cr\tllCa.... "-'r......--.....
obh...ioal.pI1lheIUmoNall'tdbJlhl.'-nr,I...._NaII_tlaw_. II.U.... . ~... _Gill"""
I......onnc lid lhe obliptica "".rod hmby .1IaI1 ranaI. Iun, dl'rcrIw ac if AD ___ klM -. II-.1IiI.... ..
..illllllC .haIl DOl .p"" In the... 0( ....lctatlon .lId.. -... 17.
.t. 9aIa 0' lIol.; n... 01 ~ a.nine. The Hote 0' I portlallo......III... 1I0lI cu.-"'I'" --,...... }_...
aoId 0"0' 1llO..li"",. witb"", ,,10. noclrc 10 1Iorrowcr, A ....1IlIJ'... ...dtorott Ia ...alCIcyll-....."'-s........,...
C'OIIr'h _hi, po'....lIduc under Ihc NOI.lnd l'I.!Iocurity IUlIW...I, TIocrc.... ..,,,_. _~"."--.
unnlacN loullco',hc N....lllhc..i...h....oIlh.I.oan5crvlocr.1o_w11I..__--"...... I _
""h_opIIlhbo,undljlphcablcllw, 1\cnollocwlllrwct..._...add.-or..._1Ae ~...... r .._
~ ....uld hc made. 11Ic no,l", willlho (GIllin 1II,_,.f..-1oo reqwIrod.,.... .. bow
. '-_ :'S."~'.f6~1.
zt. tt.ut'" Nubll.nett. Hollowcr .hill nul U' 'f pcrmillhe (lRKnc:c. UIC. dupaul, 1I0r.,r, or n:lull' 11\)' 1I.1I00''''IIU&
Sut-Ianea on Of in the Pro(K'rty. IImmwcrlhall not do. ..lIow &n)'onecllC tu do. .nyth1naatrcC1in,lht Propeny, .in ,",ul;.llilln 0(
Iny EnvironmnullAw. The (Irtccd1na twolCMcoC'Cuhall nOI'(lply 10 the ptaCntt. use, Dr nor'le Cln lhe Propcrl~ nhm.II'1u.llllilin of
Ua.ardOUI H4.&btWKa lhal Irt' ~ncrllly R:COlni,tdlo be Ipproprlalc 10 nurmal raHkntlll UJa .nd 10 m.inlr..nC'C' or Ih,' I'rnpcrt'f.
Borrower _hall promptly Ilyc Lender wrium nnt ice or Mn)' in~I..lion. cham. dcmal'ld,I'W1ui, or nlhc, IC1 ion h)' IIn) Ifl\"fnnliC"I'"
urrtauLilOfy ap"'JOI' privlle plrtylft'fol.,iq the Propen)' and 1ft)' ffuardow !\ubll.ft('I: or f.'nvironmenflll"wllr..hkh 811"II.rl b..
<<<<...1 ho1rled...., fIorroftfrlcam.. or II ROtlllodby any.ovemmcntaJ or t"C&ulaIOf}lUlhamy.lhlllny removal or otM' rtnll,l .lIionol
In)' HaurdOY.l SubUlncc .tr<<tln,lhe Property II neallii)', 8onowtt IhlUl'lromplJ)' Ilh IU ncc:o.llry rcmtd&.lIC1Nln\ in il\ ~'lrdlft4:t
.il~ EDYlronmcMIII..w.
AI UICd In lhi. palIJrIph 20, OIHwf'doul SubttanCluOI Ire lhole: luhsl.ncn dd"nd . 10lit or hUlrdolll luh\lilOCIo" hy
E."lronmnlallaW.1d lhe rollowiqlubltancn:l..olinc. kerOstDe, olher n.mmable or,odcpclroleumprodlX1l.IUJl.it'pt\licid",.nd
hcrbacidu, yolalUe aolwau, atlterilll conumlnl ubealol or rormaJdch)'dt, tine! rldioKtiYe mlltrjab. AI usrd in Ihi\ par.r'fll'lh 20.
"Envl,on...nllluw' mu... lod.rall.... .Dd II... 01 lilt juriadictlon ..hero the Propeny la locale' Ih.1 "I.IC In hnUh, ..Iely 0'
..vlroamcoul prolCalOCl.
NON-UNIPORM COVENANTS, BOII'OWtf and I..." lurthe, .0....._I.ad qru u 10110...:
21. A.......llonl A_laa. Lto4.. ......I..1IOC1ca 10 lono... prlo, to ........... 101o.....1o....."~ "n.b "r.., ""_I
or ._-...... &oa.tl, I_I (kl.ol prior I. ....Imd. onclrr pon....ph Jr _ .pplJ...... ... ..".... ulhrrwloa~
'-....... -" Iono.... of, '_._Ibl.p:(.) I" ""'ulll (bllb. actio. '....roIlo "'"' Ilia ......'1(.)..... lb. .d........
be......... (')lMlI.U..lo <un Ih....,.....__ 1Ia, .-1... .<<1..'1110...... _....... h, IIoIr Sacu"" I..ru_
1-' ., JudldaI ~.. ... ... .. ... "-'Y. ........ .... lwtM _ Iono_ 01... rIaltllo ,1hcIIr ....
........Uoa ... ... "-II. _ In ... I~ ~ ... _.u.l... 01. ..,... or u, ..... """* ., Iono...."
-*roUOll.............ll..."f........ _u"'-"~"Ilaoplloo_,nqoln' 60lI ,.,_In"',,'oIl_
ac"'" h'....1IonrIIJ ''''''' ,..u..... -........ _, lonr....IIiII_., ,..-11" jo.1daI pi.......,........
...a ...-.. - ..._....... In...........-........... Ie.... _.. 21. Ie" ....' but ... MI,I14 to,
.1.....,.... ....-.,............... -,..at.. b, "I" ..... ....
:t1. .-. Upoo po_a. or all...... oa:ureo!" Ibll Securily Inllrumcnl.lllo Sccu,II, 100Irwncnl .Dd lbe ....1. ...n,,,,,,.haII
Ilnala... and bctomt YOif. ARet luch OCCOlRftC'I. 1.ender ahlll dtJchatee and Ill." Ibia Socurily InsuuJl\Cnl wilhnu1 ~hlr_ 10
8onowe,. loao_"aU pa, III)' ruonlaUoo ClOIlL
1). WllhIn.lorrowcr. to tbcCXlCDI pcl1DiUcld b1lpplkabk I.., .aha and relealel In)'trror or dd'<<1I i. pl'Ol."CeIlinp III ,""rolft
Ihlo Security futru_on' ....b' waha IIlc benellt ., .nyp..."t o. lUlU.. I..., providi_. lor .la, nl.unatlOCl, ....oal.._ ,~ time,
'" ...mpllo. 1'0..1ltol:....1.1ny and ..... and bomalU' .....pliOCl.
~ U. -_ ......lIon_'~ IlmotolllllM...provldod In_~h 11.ltaa.llcnd 10 ont how prlcw 10 lhe.'OllIIllCnrcmcol
t of bldcll. .. . ahtrItl\ uIt or _, uJc .......... 10 lbll SecurllY In.rumcoL
, 25. __ ~ _..... II.ny oflbc ckbU..urad by Ihi. Scalrily I_"'uman.la leal 10 110m_to -'lul" till.! In the
1" Prvpcrl,.1IlIa llccuril'...tru..... .hall be. pordl... lOOney 010.......
~. bIInIe... AfttrJ__,. Rnrnrwulll'ftllhlllhe inural rate payahle .ncr.judamenl II CDtend on 'he NUl,' ," in aa
1ClIo. 01 010..... 10...IOIu" shall be the fill payable Irom 11"'0 lime UDd.r lhe No...
27. _.. IMI SHwttr ro_ u one 0' 100m ride.. 1ft ......od by BotTO...,.nd runnled tOFlll<r wilh Ihh ~n'Uril,
'nrtrumrnl"IM COvenlat. aDd qmrnentl oCnclllUCh rider Ihall be iDcorporlltd InlOlnd ahaD .mead Ind luppkment tbe \"'\'tn.nl'
lid qru.........lhiI Security Inlt,umcnt u It... ridrtl.I...... part 01 Ihla 5<curiIy I_rumenl, [C1lcd .ppllcable hox(nll
D ^'II....... It... RicIc, D C4ndo..lnlum Rid.. D I~ l'uniJ, Ride,
D Gnd..... Po_nl Ride, D Planned Unit 0ncI0p.- Rider D lIi_ll, Po,..... RI...
D 110IIoo. Rlda, D RII.lmprvv<n>cnl Rick. D !locon. Horne Ride,
I!J OtIla(,) [.pecily) 1AI9.1 ..hlblt
BY SIGNING BELOW,loaowc,.xcpII and .....10 th.le... ._. ro.....ola rontaUled In lbll Sccuril, IIIIUUIOCOI aad In,u,
ridori.).lIllCllItd by Iomr.u 10' lUlOtdrd with h.
~.=.........~.......... ....A"./,!. {(l(/.~J..""b'._~~1
" KODen f4:4h.. (j .....IOM'
.......... .t!..~.... ~.....~ .~. ~.~............. .. ..11IC\lI.t.t .c.(~~t...\Gt:.~i.&.......... (!loll)
",-ria Clark ".evar J fturiowrr
ra.-....hllliIsr.". "_ 1
C'OWWOHWIAl.:nIOF"HltIY'.YAH1A. ,.............rl.!wI r..,. t
011_" It.b _f1 ..... r ,It 92....,.... wt _-0".....-.__.
... ~ !J...JJ..........,......... .obert Wt _"a I' anet IIUy Cl.rll..~~:~~.P:llII!'~;4""''!w'''''''''.
---..,. ... .a.rn:w........,....nl I...~.. . "':1t ~.. ~~
_...-......_--~... ,,:'.' t.~~\
......__..""'.1_......_............ c)' :\.......~..~
~\, k~~~rzal ... ,. .~~
L. .". tI . 'h.. .
--......-...-".................,'...,'. .. _J'_.~_ r.!P_!;.~,_c~~rfi .
yL . .........-
( - ~ nt..torn.. - - .. - -
Rnb.rl C, a.idle, Eaq.
t,. t 100 /'Ice i5t1
f_'" ,... .,." ., ~
AUGUST 06, 1996
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG, PA 17055
PNCMOlR'fGAGlE
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
ACT 91 NOTICE
IMPORTANT I NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE POR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME PROM
PORE CLOSURE AND HELP YOU MAKE PUTURE MORTGAGE PAYMENTS
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE POR FINANCIAL ASSISTANCE THAT WILL PREVENT
FORECLOSURE ON YOUR MORTGAGE IP YOU COMPLY WITH THE PROVISIONS OP
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OP 1983 (THE .ACT.).
YOU MAY BE ELIGIBLE POR EMERGENCY TEMPORARY ASSISTANCE IP YOUR DEPAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS, AND IP YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANrA
HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS.
UNDER THE ACT, YOU ARE 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-FACEn
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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.
95234
l
.
"
.
\
AUGUST 06, 1996
t
,
,
l
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG PA 17055
PNCMOlR'fGAGlE
.~
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
RE: LOAN NUMBER 450850
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF
$ 2,526.89 FOR THE MONTHS OF APRIL 01, 1996
THROUGH AUGUST 01, 1996. LATE CHARGES AND OTHER CHARGES HAVE ALSO
ACCRUED TO THIS DATE IN THE AMOUNT OF $ 1,408.68. 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 LETTER, IS $ 14,043.13.
YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS
LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 14,043.13 PLUS ANY ADDITIONAL
MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS
PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED
CHECK OR MONEY ORDER.
IF YOU DO NOT CURE THE DEFAULT WITHIN THIRTY (30) DAYS, WE INTEND TO
EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. THIS MEANS
THAT WHATEVER IS OWING ON THE ORIGINAL AMOUNT BORROWED WILL BE CON-
SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE
ORIGINAL MORTGAGE IN MONTHLY INSTALLMENTS.
IF FULL PAYMENT OF THE AMOUNT OF DEFAULT IS NOT MADE WITHIN THIRTY
(30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAW-
SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS
FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY
OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT
YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU,
YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY
INCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED
AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES,
EVEN IF THEY ARE OVER $50.00. ANY ATTORNEY'S FEES WILL BE ADDED TO
WHATEVER YOU OWE US, WHICH MAY ALSO INCLUDE OUR REASONABLE COSTS. IF
YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE
REQUIRED TO PAY ATTORNEY'S FEES.
WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL
OTHER SUMS DUE UNDER THE MORTGAGE. IF YOU HAVE NOT CURED THE DEFAULT
WITHIN THE THIRTY (30) DAY PERIOD AND FORECLOSURE PROCEEDINGS HAVE BEGUN,
YOU HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AT ANY TIME
PAGE TWO
AUGUST 06, 1996
450850
PNCMOlR'fGAGlE
UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE. YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY
LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S
FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE (AND PERFORM ANY
OTHER REQUIREMENTS UNDER THE MORTGAGE). IT IS ESTIMATED THAT THE
EARLIEST DATE THAT SUCH A SHERIFF'S SALE COULD BE HELD WOULD BE
APPROXIMATELY ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE.
A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE
THE SALE. OF COURSE, THE AMOUNT NEEDED TO CURE THE DEFAULT WILL INCREASE
THE LONGER YOU WAIT. YOU MAY FIND OUT AT ANY TIME EXACTLY WHAT THE
REQUIRED PAYMENT WILL BE BY CALLING US AT THE FOLLOWING TOLL FREE NUMBER
1-800-634-6012. THIS PAYMENT MUST BE IN A CASHIER'S CHECK,
CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS
STATED ON PAGE ONE OF THIS LETTER.
YOU SHOULD REALIZE THAT A SHERIFF'S SALE WILL END YOUR OWNERSHIP OF
THE MORTGAGED PROPERTY AND YOUR RIGHT TO REMAIN IN IT. IF YOU CON-
TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT
COULD BE STARTED TO EVICT YOU.
YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO-
PERTY. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO
PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE
WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR
AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE
SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT
MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD
PARTY ACTING ON YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED
TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY
CALENDAR YEAR.
SINCERELY,
JUDIE JEFFRIES
COUNSELING DEPARTMENT
ORIGINAL VIA CERTIFIED MAIL NUMBER
COPY VIA U. S. POSTAL SERVICE
BS230
AUGUST 06, 1996
MARIE C WAEGER
1107 TIVERTON ROAD
MECHANICSBURG, PA 17055
PNCMOlR'fGAGlE
ACT 91 NOTICE
IMPORTANT I NOTICE OP HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
PINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME PROM
FORECLOSURE AND HELP YOU MAKE yu.uKE MORTGAGE PAYMENTs
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE POR PINANCIAL ASSISTANCE THAT WILL PREVENT
PORECLOSURE ON YOUR MORTGAGE IP YOU COMPLY WITH THE PROVISIONS OF
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE OACTO).
YOU MAY BE ELIGIBLE POR EMERGENCY TEMPORARY ASSISTANCE IP YOUR DEFAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OP RESUMING YOUR MORTGAGE PAYMENTS, AND IP YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING PINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS.
UNDER THE ACT, YOU ARE 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"
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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.
BS235
Office of the Sheriff
JOHN SZYMANSKI.SHERIFF
lJ,CIAWAt4tjA (('UNIT . ~,CIt^,II(Jtj. 1'1 t."'~;lll/A"'I^ l11~,O I . ," II '.JhlliJI'J
SHERIFF'S AFFIDAVIT OF RETURN
1. PLAINTlFFISI
PII'C BANK
2 COURT NUMBER
97-681
4, TYPE OF WRIT OR COMPLAINT
REIN.CmlP.H.F.
3, DEFENDANTISI
ROBERT H. HAEGER ET AL
SERVE{5'NAME OF INOIVIDUAL, COMPANY, CORPORATION, ETC
~ U.S. A.
., 6 ADDRESS (Slroel or AFO. Apartment. City. Bora Twp Slale .1nd ZIP Code)
AT OFFICE OF U.S. ATIY.
SUITE 301, HASIIINGTON lu'lD LINDEN ST.
C~IBERLAND COUNTY
7.1 hereby CERTIFY nnd RETURN thai I hillJO 0 have personally ~CtvCd~ have served tho person in charge. 0 havoserved a pcrson of suit.
able ago and discretion then residing 01 the dcfcndElfll's usual pl.leu 01 abode, 0 have posted the above described property with the writ or
complaint described on the IndIvidual. company. corporation, olc.,at the address shown abOl/eoron tho individual. company, corporation. etc..
al the address inserted below by handmg/or Posllng a TRUE AND ATTESTED COPY thereof.
8. D I hereby cerllly and relurn NO SERVICE because I nm unnOlo 10 lacnle the individual. company. corporation. otc., named above.
9. Address where served lComptlll~only,ld'''l'I'''lllhan..hrH''roilho~I'1 t$IH>I>fo' Aft) AI"lIlml'l\INoCII'f [lOlO t""p I 10. Date of Service
5/8/97
11 Time
2:55 PN
12. Name and lilla of individual served (II nol shown ilIJOVC)
MAY MILLEn, SECRETARY
13.. Description. Despondent deSCribes the individual served as lollows:
o Male D While Skin o Black Hair D While HilIr o 14.20Yrs, o Under 5' o Under 100 Lb.,
o Female o Black Skin o Brown Hair o Balding o 21 . 35 Yrs o 5'0" - 5'3" o 100 - 130 Lb.,
o Brown Skin o Blond Hair o 36 . 50 Yrs o 5'4" - 5'8" 0' 131 - 160 Lbs,
D' Yellow Skin o Red Hair D Muslache o 51 . 65 y.s, o 5'9" . 6'0" o 161 .200 Lb.,
o Gray Hair o Beard DOver 65 Vrs DOver 6' o Over 200 Lb.,
14XX I do further atlest and declare thai I am a Deputy Sheriff In and for the County of Lackawanna, State of Pennsylvania; thai I am 8 resident of
the County and Stale aforesaid; Ihat I am over lhe age 01 21 years; Ihatl am duly qualified under the rules of our courls to make service
hereunder; and lhat I am not a party to tho wilhin action
15, D AI the limo of service, the said _u,___~__ _nU
___.. was not In Ihe Armed Service of the United Stales.
16, ADVANCE COSTS: Sherolf
" .:6.20LJ
1f!~~~~lP{:Y:J
I ' "
, . .:
Nolary Public
COSTS DUE
2.00 PAID IN FULL
'i'
SO ANSWijRS, J.OHN SZ MANSKI, SHERIFF
I . / (' ,
Depuly .~-;> .~ I( '.' . .
R ICIlARO l1A.1YCKI
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL
ASSOCIATION, s/b/m/t
CCNB BANK, N .A.,
Plaintiff,
vs.
ROBERT W. WAEGER, MARIE C.
WAEGER and THE UNITED STATES
OF AMERICA,
Defendants.
To: Defendants
YOU ARE HEREBY NOTIFIED TO PLEAD TO THE
ENCLOSED COMPLAINT WITHIN TWENTY 120)
DAYS FROM SERVICE HEREOF OR A DEFAULT
JUDGMENT MAY BE ENTERED AGAINST YOU.
",<'/, C'- .-.' /
r_":4"':~-l.~_ . l"'"'"'~ - " (-
Attorney for Plaintiff
I hereby certify the address
of the Plaintiff is
SJ9 South 4'h Avenue
Louisville. Kentucky 40202
And the Oefendants is
1107 Tiverton Road
Hechanicsburg, Pennsylvania 18103
t"... ;; c,'. c:-.. <:-:::::::' "'---.- ~
Attorney for Plaintiff
CERTIFICATE OF LOCATION
I HEREBY CERTIFY THAT THE LOCATION OF
THE REAL ESTATE AFFECTED BY THIS LIEN IS
Hamoden Townshio
RY{~ /: <"<. c.::.' c-:.-~.. rr
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
,
.
CIVIL DIVISION
NO.: tj7-
fr f (
~Z.-
ISSUE NO. :
TYPE OF PLEADING
CIVIL ACTION - COMPLAINT
IN MORTGAGE FORECLOSURE
CODE -
FILED ON BEHALF OF:
PNC Bank, National Association,
s/b/m/t CCNB Bank, N.A., Plaintiff
COUNSEL OF RECORD FOR THIS
PARTY:
Charles C. Casalnova, Esquire
Pa. I.D. #44734
O'KEEFE, GRENEN & BIRSIC, P.C.
Firm #023
One Gateway Center, Nine West
Pittsburgh, PA 15222
(412) 281-7650
It
r
I
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
,
~
;
PNC Bank, National
Association, s/b/m/t
CCNB BANK, N.A.,
,-
i
Plaintiff ,
NO. :
(11. t. II {!.WJ t.a-
vs.
ROBERT W. WAEGER, MARIE C.
WAEGER and THE UNITED
STATES OF AMERICA,
Defendants.
CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE
PNC Bank, National Association, s/b/m/t CCNB Bank, N.A., by
its attorneys, O'Keefe, Grenen & Birsic, P.C., files this Complaint
in Mortgage Foreclosure as follows:
1. The Plaintiff is PNC Bank, National Association,
s/b/m/t CCNB Bank, N.A., which has its principal place of business
at 539 South 4th Avenue, Louisville, Kentucky 40202.
2. The Defendants are Robert W. Waeger and Marie C.
Waeger, individuals whose last known address is 1107 Tivertown
Road, Mechanicsburg, Pennsylvania 17055.
3. The United States of America is joined as a Defendant
in accordance with the terms of 28 U.S.C. ~2410 as amended November
2, 1966, P.L. 89-719. A lien was filed on June 3, 1996, in the
Prothonotary's Office of Cumberland County, Pennsylvania, by the
Uni ted States of America against Robert W. Waeger and Marie C.
Waeger at FTL No. 1996-3082, in the amount of $6,525.68.
4. On or about November 6, 1992, Defendants executed a
Mortgage Note ("Note") in favor of Plaintiff in the original
principal amount of $285,000.00.
5. On or about November 6, 1992, as security for payment
of the aforesaid Note, Defendants made, executed and delivered to
Plaintiff a Mortgage in the original principal amount of
$285,000.00 on the premises hereinafter described, said Mortgage
being recorded in the Office of the Recorder of Deeds of Cumberland
County on November 12, 1992, in Mortgage Book Volume 1100, Page
756. A true and correct copy of said Mortgage containing a
description of the premises subject to said Mortgage is marked
Exhibit "A", attached hereto and made a part hereof.
6. Defendants are the record and real owners of the
aforesaid mortgaged premises.
7. 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 April, 1996 payment.
8. On or about August 6, 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. True and correct copies of said Notices are
marked Exhibit liB", attached hereto and made a part hereof.
9. Plaintiff was not required to send Defendants written
notice of Plaintiff's intention to foreclose said Mortgage pursuant
to 41 P.S. ~403 (Act 6 of 1974) prior to the commencement of this
action for the reasons that:
(a) said Mortgage is not a "residential mortgage" as
defined in 41 P.S. ~101;
(b) the Defendants are not a "residential mortgage debtor"
as defined in 41 P.S. ~101.
-
,.,- .
...........
RECCnUi:i, Ci j;i::lC~
::\.i;':C[:.:':.:::' ",:t;::iY"P.',
-:l
~~fjJg50
'92 NOU 12 AI'I10 3~
1....._IIIoIlot'._.1ltta1
MORTGAGE
IHIS MORTOAGEiSe..lflly 1..I......nl., ~.iYC. on ..........~~~~!..~..................iicl.....f..............."...... ,
19 ?.... . The mortpaor is ...~~".~."r..!'."!I9'.Z: .~n4..~.r=,)'..~!~~~.?!!~9'.~f,'",~~,~~!,.~..~.....~~..~................... .....
............................................ rBorrower". Th~ Scalrily IIlIlNmcnlla a\wn 10............................................
...~."'nll....'.~........,.,................,..........,............. ............, ,..........., . which I. _.Iood.nd ..btl'l'1 unckr
Ib.la... 0' ....~II'..~n4~'A.R~~~~'................. ....... ,and w_ addrlUl, ....~~.E.~.~f:H.~~.~..~~'!!!f..~,!!..J.~..,
...'''...l,lP,Q)."~'7..................................... ..... ,.................... ...... rLend.,.,. Borrower 0"'" Lender lhe prlncip.1
..... or .... ""1l.1\1I/lll~~ .lIlg~~y."fA VII. XlI'l1'....'!ll..!'.'!A . Rql.lR9."~::~."~::~."~.':7.:~.:~.:~.7::7~.7::7::7::7::7::7::7, .... Doll,,,
(U.S. S . .i"..QOP,.llQ ). Thl. debl ~ .vldenced by Borro_~ not. dOled lhe 11m. d.le u Ihlo ScaI,lty InrlrullXnl ("Nol.". whleh
pro,1da for mO.lhly p.ymenl" wilh lhe IuIld.bt.llnoc paid earlier, due and p.yabl. on ...~~.~..!,..~.qn................. .
1bI, Smlrily lnotrumml'IC1UCI10 Lend." (')Ihe ",,"yment ollbo debl evIdeooed by lhe Note. wllh Inl.rat..nd .11_.. .''''''0.'
and modlnCllloDl ollh. NOle; (b) the payma.. or all olbor .urns, willi Int.,..I, adv.noal u.d., plfllfllph 110 protOd Ih. ....rily or Ihl.
Securhy I"'trument: Ind (e) the pcrformlACC ofBorrower'lcovenaztb and ~t. unci" this Sccuril, Inlltulfttnl and lhe Note. For
Ibll purpoIC,lIorro,,", d.... IImby 010"_. Ifllll and coov.y.o Lend... I,," rollowioa deocribcd propeny loc'led In ................
...............,..'...,.'...... .~I"M. ...........,.......,.. ......,.,. .......... .................. Count)'. Pennsylvanl.:
The legll d..crlption or which i. attached hereto, ..de. part hareat and marked
Ixhibit -A,-.
which bu lhe add_of ...........~.lR?.'!'~Y!!f!:~n.!!\>!!\'..................................... "....~.~~~!:~!!~!:V.............,.
IboII ICIlJI
....ooylvanl. ..!'?~~~................ rPropeny Add....,:
IlI,Codol
TOGETHER WITH alllhe Improv....nu now 0' hcreafl........ed onlbe property, and aII.......nl.. .ppu........... and a.lum
oow or hunn... pon oflh. propeny. AU r<pIaoeltlCnu .nd addl.lons .b.1I also be cawood by IhI. Sec.rily Inrlrumml. All or lhe
f_ol"l II moned .. in Ihi. SewrilY Inslnlro.nl lllhe "Property."
BORROWER COVENANTS lbol Borrower 10 I.wfolly ..bed o(lhe..llle hereby conveyed.nd bu the r;,hllo mon_,lfutand
eonwy the Propeny and tkll the Property II unencumbered. eucpt (or eneulnbranca of record. Borrower warranl. and will defend
....r.lly lhe litlo 10 lhe Property ..alllt all.lal... and demand.. ..bjcd 10 ..y cllCllmbr..- 01 reconI.
THIS SECURITY INSTRUMENT .ombloeo uniform .00ven.olI lor IIOI10nll UII and IIOIHUIironn COY1:nonU wilh limi,ed
nrllllonl by jwisdicdon to C:Onllitute. uniform securil)' inslrWllrnl covcrina real propa1)'.
UNIFORM COVENANTS, Borrower and Lende, COY1:nllll and..... II rollowo:
I. ",,.nl of PrIndpal...lnllral; ......I.a ud tal. CIooqoo. Borro_.haD pnnnp!ly p,y when dU.lhe principal or.nd
Iltemt o.lhedeblevld..oed by Ihe Nole .od '.Y prep')'lrlInt and lat. eha.... dill und., lhe Not..
2. F_I.. T.......I--..SubjOd 10 applicable law..... wriU.n wli..r by Lender, Borr.....r.baIl PI)' 10 Lend., DB lb. d.y
monthly paymcatllredac uncler Ibe Nole, ualit the Note La paid 1D rull,. lum (-Fund., for: (.)yearlytua and u.sealmcnll which may
.ualn priorily oYCrthll SecurilY In.lruOllnl u .Ii.non Ih. Property: (b) ye..ly l.aochoId Pll)'fll.nt1 0' around...u on tbe Property, if
..y; (e) ye.rIy bu.rd or property inru..- premiums; (d) yearly Rood wu..... premlunu.ll.ny. (.) ye.rly mon....IDI1Iruc.
premium.. il.ny; .nd (I) .ny .ums plJllblo by Borrower 10 Leodcr.lo .....nlan.. ..lIh lhe pro,lriono 01 pa...raph B, in lieu 01 ,h.
payment or morl...c in.urance prcmiumL Thac herniate uUecl"Eaerow lten,- Lender may, II any lime, coUectlod hold Funds in In
amounl nollo Cll.eccd the mAlimum ImoUllt Ilnder Cor. federally related lIIort..loan mlY require: for Borrowa"J Clcro" ICCO\l.Dl
und.r lhe 1ed.,.1 R..I ElIII. SeIlIo....1 Proocdu... Act of 1974 u ....nded I.... time 10 lime, \2 U,S,C. . 2601 rt UtI. ("RESPA,.
unlcu Inolher II" Ihlllppliello the Fund.KtI.lcller .moullL 1r 10. LeDder mlY. It any time. c:ollec:llnJ hold Fundi In an amounl not
10 CIIcccd.lbt leucr amounl. leAder IDI)' CltUulC Ihe Imounl or Fundi du.c on lhe buis or cumat dalllnd reuonablc eslimates or
cape_ditutea or (uture Escrow Item. or ocherwiK in lCCordance with applicable law.
'!be Fund"h.1I be h... i. .n Inllll.don wilo.. d.poolu mlnlurod by. rede"'...ney.loolrummlllily. or .ntity (locludin. LenclC1',
if Lender ilium an iUlitUlion) or in Ifty Federal Home LoID Bank. tender Ihlllll'pI, the Fundi 10 PlY tbe Escrow IlcmL under mlY
DOt char. Borrower (nr boldinllnd Ipplyi"llhc Fund.. annually "'llyzinllhcclCl'oW lIClCounl, or wrif)'inllhr Escrow IIC:nw. unk"
Lender pI)'lBorrowcr in&crat 011 the Fundi lad. Ipplieablc law pcrmiu Leader to make lueh I chlrlC- However. Lender may Rquirc
PUNSYlVANIA-SooItI..~-'_...,."ld~..IIIf11.lamu.rn ,..1011 (11I01 "..,.'....,......)
toad 100 rAtt 7&fj
I~UNwtr tor'J' one.limcchlrac rot' an independent Inl ntlle 'II. rcpollln..cnke uKd by 1.cnder lnconncction wi'h Ihi,.I"un. unital
IppliC'l.blc II" proyidcll,1lhaW1lC. Unlcu II ",cement ilmldc or applicable law rtqulrcalntcrelllo be paid. Lender Ih..1I n~ll he flXiuired
10 p~ &rr\l'*Cf In, Internl orcarninllonthe FundL HonoWfr and I.ender may _.ree in wrllin,. however, .hl inler..t .h.ll\ he paid on
the fund.. lender ,haUaivc10 BonDftf, without chlrlc.anannu&llcCOUDlina of the Funcb, Ihowinl crcdit..nd debitalothe t-'und.and
tkc PUtpolf COfffhk:hcachdcbillO the Fundi wu made. The Fund. Ire pledted u additional1<<\Jrity (or aUlum.KCUrn1 by 1111" Security
IMINrnC'I'.
U the fundi htld by Lender cuud the amounts pcrmincd 10 be held by IppllClble lAw, tender ,hallaccouDI II' Bo'l\lwtr (or lbe
C1C'tU Fund. in ICCOrdana: wilh thcrcqwremmb of applicabltla..ICtN: amount oflhe Fundi hcldby I.ender lIanylimci\ 1I111.uClicicnt
10 ply lhe ElCrow IteN wbcn due, Lender may 10 notify Bonowcr In wrillnl, and, in luch calC. Borrower .hall pay to I A:nd~'IItM: amount
nCUlllry 10 make up lbe deficiency. Bono,"r lball make up lbe dcf'w:iency in no more I"n twelw monthly paymenl.. II I 4'ndC'r\IOIc
diltrClion.
Upon paymenl in full of &lltURlIItC1.rcd bylhilSecurity Inltrumcnt, Lenderlh.1I promptly refund to Borrower IIn)' I:und.hekl by
undc,.II. under p.'....ph J I, Lendersh.1I acquin: 0' Klllhe Property. Lender, p,lo, to the acqul~tlon or ..Ie 01 ,he Pr"rerlY, .hall
apply laY Fuadl beld by Lender at 1M lime or "'Iuiaillon OINk III acdil q.ainlt Ihtluma KCured by Ihil SecurilY InloJ.unlCnL
J. AppIleadoul Pa,...... Uolcaupplie.ble I.w providea Dlhe",IK, all p'YlllCnlll'eoeived by Lender under p"""r~.1 and 2
shill be .pplied: fint, to Iny prepayment cha,.ea due uodcrl" Notej aocond,lo amountl payable under panlraph 2; IhillJ, 10 inlef'Cll
dllt; founh, to priadpal du.e; and lau. to I.)' late chlJltI due under lhe Note.
4. Qupo; Una. BorroweubaD p.y allt..... UKalllCnl.. char.... fion and Impo.itlon. .Urlbu.able to the P,.pell) w~ich may
alIaia priority over 1bI. SeCllrity 100lNlIlCOl,oand lcuUold paymontr 0' around "'", i1.ny. Borro_ .baD pay Ib... oblij.'io..1n tbe
....ncr providodln _raph 2, 0< iI aot paid In....t m..oer, Borroweub.U poy thom on ,I... dlrod/y 10 tb. per..... owtd p.yment.
Borro.., .b.U p,o'"l'll) IW1Ii.h 10 Lnder all noticea ohmounlllo be paid unde, thia par....ph, II Borrowrr make. t""'. p'YlllCn..
dlra:tly. _.baII Pl1lGptly lurolsh 10 Leocler ....lpIt evldcaclna1he plymonlL
BarroWIt' shall promptly dilCharac uy lieD wh1da bit priority oYer Ihll Sccurit)' lnatrumc., una. Borrower: (.) 'Iue", 111 .,ilial to
lhe P')'lOcnl ollhe oblipllon IClCUn:d by Ihe lion in I manner ....pll"' 10 under: (blc:onte.1I loaood laith Ihe lien by, "r d,r",J. .po..
,mammenl mlbe lien In.leall procecdiDl1 wbi.ch in tbe Lender" opinion opc:ntc 10 prt\'C'Dllbccnron:clDCnt of the Ilca; orlc) atcurtl
lro...he bolderollhe lien AD .......mIllialIdO<yto uadellubordinallq 1M 110.10 lhia Sec1Irily I..trumenl. Illender ~"rrmi...
that any pan or thc Propcrt)' it lubject 10 alien which may Illlln priority o....r thil Scc:urity hulnuntnl. Lender ma~ lho.: HllrfO,.U .
.otic< Idntilyi"lbelim. Borro..."bIU ..1I"y .heU", or like one or mon: olthe ",loa. oetlorth above witbln 10 d.)'I or I.... Jivlna 01
oolice.
5. Haurd.. Proport, 1._ Borro...r shill teep!be Improve..tlIII aow e.i..l.. or h.n:aller.....ed on Ih. ProperlY i..urod
.phlalloa by fin:, haunI.lor:ludod withlo the term ...tended c:ovc,.....nd .ny other buanl.. inc:lodin.11ooda or noodln..lo, w~1cb
Lend" requires iDlUfancc. Thta imuraDCC Iha11 be mainl.ined in the amounu and for lhe period. dw Lender requ.ires. TM inluuoe
carrier provHli.. tbe insu...... .h.1I be choKn by Borrower ..bjecllo Lmder" Ippro..1 "blch .baIl nol be unn:uolI.bly w,lbheld. II
Borrowtr fail, to mal..lin COftra. deacribed above.. Lender may, II Leader" oplion. obtala coveraac to protect Lender" ritlhtl in the
Propert, In ""'onl.... wilh P.....aph 7.
AU InauflDCC polidcl aIM! renew'" lbaD be IClCrptable to Lender 100 ,hili indude. Itandard mOl1&lae clauac. Lender ,h.11 haw the
ripllo bold the poUdclIDd rcacwab. If l..aIdcr requires. Borrower ahall promptly am to lender all reodptl of piuS prcnliulU aad
renewal nolioea.la tMnenl oflo.., Borrower Ihall si1'C prompt nolice to tbe lalllnncecania' lAd Leader. Lmder may make rruor of 1011
if not mldc promptly by Bonowcr.
Unle" Lender aDd Borrowcr othcrwbe IIRC In Milia&. iRIWance proc:c:lllldllhall be applied to mtoration or repair orthr Propert)'
darupd, ir the ratorltioD or repair 11 economically fcuiblc and Lcnder'lleCurity il not lcueord. If the rntonlion or rerlir il nol
a:onomicallyfcllibtc or Lender'llOCUrlt)' would be kucDed.lbo inaunnCll proceeds.balI be applied to the lumlsccurcd.., Ihit, SecurilY
Inluumcal. whcthet or DOllhenduc. 'Mitlllll)' CXCCII paid 10 Bonower. If Borrower abandonllhe Property, Dr don nol &IlIWCI . ilbln 30
dl)'la .otice from Lender tIw lhe iDlurancccuncr hu orrered 10 Ktllc aclaim. the. Lender mlycollcctlhe insurance procetdl.l..ender
m.yUle lbe prOCftdllo repair or mtOre lhe Property or to PlY luma KCurcd by thtJ Scc:wit)' Inllfllment. .bdhcror nollhc:n duc. The
>><lay period will beain when the ootiao II aivco.
Unba Lender aDd IorrowetolhcnriK lIRe in wrilias. AllY applicalion of procccdJ to printipal ahall nolutcnd or postponc thedue
date o(lhe ..onthly paymenll n:lem:d 10 in _phs I .cd J o..h.....he lIIlount oIlbe payrncoll, lIunder _..ph 21th< Proper'y
is Icqulred by Lender. Borrower" ri&hlto any inswancc policies and proceeda rnallina lrom dlmqe to the Property prior 10 the
acqaiJition Ihan paa to Leodcrto tbc oint of the IWDIlCCUrN by tbiI Security Inltrumenl immecUalely prior to the Kqui,itilln.
"~'7, rr-.a1Ioo, MaIld_'" _lonorthoPlopa1,;Ionow... LoMSAPJllndolll' _..~.. Bo,,",...rhall
<<capy. Cltabliah. and Ute the Property II BolTO'lll'er" principII rClldence within 1111)'dl)"l diet the clccution oftbiaSc\uril)' 1n.'Ilrumenl
ud Ihall cootinue to occupy tK Property II 80rro,"r" principal residence for atleUI oae yar af\crthc dale 01 IXcuplncy, unba lAnder
otbcrwise.gn:a In wrilln., ...hich coftlCntlbaU not be Ilnrellonably wilhbcld, or unlal Cltmuatintcircumatlnca nbt ~hich Irt beyond
Borrower" conlrol. BorrowcrahaJl DOldeatroy, damlp or impair the Properly, IUOW the Property lodetcriofatc. orconlmh wasle OD lhe
PrOperlY. Borrower shall be fa default if IDY forfeitun: adloD or proceed in.. whether civil or criminal. il belun lbal in lender\ Jood (Iilh
judlmcnt could R:IUIt in rorfeiture orlhc Property or olbnwisc mal.erially implir lhe lien created by this Security InlU'umtDt Q.1.eDdcr'l
HCUrily interest. Borrower may cure luch add.llIt and rtint1lle. II providtd in plirqraph 18, by cawiD,lhe aaioa or proccediOJ 10 be
diamialcd Wilh. ru!ina w~ 10 Lcnder\aood Ililb dctermillllloo, produdealorf.itun: oIthe 3o,rower"lnten:"ln.he I'ropertl' or Dlher
material impairmenl of the lieD created by thil Security InalrulnCnl or Lcruler'llCCurity inlerest. 8tlnowcr Ihalllb.. be in ,!dIU!t if'
Bmro'Ner, durin. tbe 1010 app1ic:ltion proccl" pvc D\ltcrillly ralle or inKCur.ac irtfornw.ion Dr IIllcmcnllto le.odtr Cur h.ikd 10
provide Lender with any mllerillln(onudon) in connection with lbe lOin evidenced by the Note. includinl. bUI not lilnilCd to.
rcprtKntatioDl conccmina Borrower" occupucy of the Properly.. a principal rclidencc. Iflhis Security Jastrummtn on I I..'.tdsold.
Borrower than camply with aUlhe promions oflhe leuc. If Borrower acquires (cc tille 10 the Property, the leasehold.nd Ihe f~'(" litle sball
nol mcrac unleu Lc:ndcr aarullO the merpi' in writinc.
7. ""'_nof........ RI....... tho Proporty.II 8orro..r l.iII.o pcrlonn .b. oovclW1l1and ..roemen.. cont.i..d In tb~ Meuriry
lutrumcnl. or there ilalcpl proczedina thai ma, ailninQrlLly afTcct Leader'l rilhll in lhe Property (such: ua procctdinl in bankruptcy.
probate, for condemDation or rolfcilure or to e.force la.. or reaulationl). tben Lender may do aad pay for wbalcwr is nn:alll'J to
prolect: tbe value of the Property and lender" nihil in the Proper1y. lender" IctioM may incfude payinl any awnl ~rtd by alien
whkh hu priority over Ihi. Securil)' 1.ltrument, appcuina in court, payinl rcUDnlble Ittorneyl'(mandenltriRl 011 the r"'J'lCny to
mate n:poll1, Allhouah uodcr m.y tn. ..ion under.bis _..pb 7. Lender doao not .....10 do 10.
Any amo\ll\lI dilbW'lCd by Lender uader thit par.....ph 7 Ihall become additionll debt of Borrower .ecurrd hy Ihili Security
(nllrumenl. Unletl Borrower lad under qree to Olher t.erft1l of paymenl, thelC amount..hall bear InlcRlt from tbe datt of di\hursemenl
at the Noce ntc and shall be payable. with intermit upon notice from under 10 BOffOMr requeatin. p&)'mcnl.
.. Mor1paer-ut.. IrLendtrRquired mortpp insuranoc ..acondillonofmlti..'bc loan sc:cured by Ihia Sccllril)'ll\)lrumrnt,
Borrower shall PlY IIIe premiuma required 10 maintain tbe mortaa. IDlulnee ia cfl'cct. 1(. ror any RUGa. lhe mallPIC' in.ur.na:
coverap required by under IapICI orceutl to be in effect, Bonower shall pay lbe premiuIU Rqulred to obtain cxm:ruac su~l.ntilll)'
tquivalenlto the morta. inlurlnce pRvioualy in effect, II . COlt IUMtantillly equivalenl to tbe catl to Borrower Ilf Ihr """1....
....... . r......., (,."..,~4,..",.J
"-6OlldtoO ,~;, iS7
t
<
.
I
,
,..'"
,.....
....
Ixhibit 'A'
ALL THAT CERTAIN lot or tract of ground, dtuata in HUlpd.n
Town.hip, Cwaber1.nd County, P.nn.ylvllnia, a. ..t forth all a
Prelimin.ry/Pin.l Subdiviaioll Plan of Highland. of Hempd.n Squ.ra,
Phs.e III, .a prepared by Act One Con.ultanta and laat revlBaa June
1, 19S9, more particul.rly bounded and da.cribed aa followa,
to .it.
BIGIHNING at a point on the .e.terly rigbt-of-.ay line of Tiverton
Road, a fifty foot right of ..y, .aid point being located on .
cour.a of North fourtean degree. z.ro minute. z.ro .acond. la.t a
di.tance of .even hundred forty-nine and a1xte.n hundredtha
(749.15) fe.t frOlll the c..nterlin.. of B..ntl.y Road, a 50 foot rigbt-
of-.aYI th..nc.. along th.. dividing lina of Lot 453 and Lot 462 on
the afore..id p1.n on a cour... of South ..v.nty-aix degr... z..ro
minut.a z.ro .econd. We.t a di.tanc. of on. hundred forty .nd zero
hundredth. (140.00) feet to a point along landa no. or formerly of
Soutb C..ntral S..rvic.. Corp., Henpd.n Square ..nd Cb.t Acker; tb.nc.
along the dividing lin.. of Lot 462 and aaid l.nd. on a cour.. of
North fourt..n d..gr.... ...ro minut.. ..ro ..cond. a di.t.nc.. of on.
hundr.d forty-fiv.. .nd .ighty-four bundredtb. fe.t to a pointl
tb.nc. continuing along ..id dividing lin.. of Lot 452 .nd l.nd. now
or fOB.r1y of South C.ntral Bervic. Corp., HIIIlpcI.n Squ.r. .nd Ch.t
Ack.r on a cour.. of Nortb t."nty-..ight d.gre.. tbirty-.ix minut..
thirty-nin.. ...cond. I.st . dlBtenc.. of dxte.n and fifty bundredth.
(15.50) f..t to . point I tb.nc. .long the dividing 1in.. of Lot 451
and 462 of th.. afor...aid plan on a cour... of South ..v.ntr-..i9ht
d..gr.... tw..nty-..v.n minut... tw.nty-eight ..conde llI.t a d .tance
of on.. bundr.d .1xty-four and forty-fiv.. hundredth. (154.45) f...t
to a point on tb.. ..st..rly rigbt-of-w.y lin. of Tiv.rton RO.d;
tb.nc. along the arc of a curv. to th.. right, .aid curva having a
radiu. of 200.00 f....t and all arc distance of S9.16 feat to a point;
th.nc.. continuing .10ng the eeid we.t..rly right-of-..y line of
Tiverton Road on a cour.. of Soutb fourt...n d.gr..... z.ro minut.a
..ro ..cond. la.t . di.tanc.. of .igbty-four bundr.dtb. (.84) f..t
to a point, tb. point .nd plac. of B!GIHNING.
BIING Lot 452 of tb. Prelimin.ry/Final Subdivie10n Pl.n Df th..
Highland. of Henpd..n Squ.re, Ph.B. III, aB prep.red by Act On.
ConBultBnta, d.ted March 30, 1989, laBt rBv!led Jun. 1, 1989,
recorded in tb. CUnb..rl.nd County R.cord.r Df De.d. Offic. in P1Bn
BoDk 59, Page 3.
~IIHG the .am. pr.miB.a which Rob.rt w. Na.g.r and Mari. Cl.rk
.<dJ!"!!~"9er, fom.rly known u Mari. D. Clerk, huabend and .if. by d..d
~rO~8atsd ~nu.ry,25, 1991 and r.cDrd..d in the Offic.. Df tb. RBCDrd.r
/ ~~..-:sif.D.e4B\l.n and fDr Cunb..rl.nd County in De.d BoDk ]C-Y, Page U7,
j' ~:.' .~:granted ab.d cDnveyed tD Robert W. Naeger an.d :Ml!fjh!,lflfrk Waeg..r,
i ". .:' l !' hu.b~nd an.~ wife, BDrrowera her. in . " -,t",lend J 59
. ':"; ~.' ,J. .,.."., 011..,.101 the '8CDI'dlng of o..w
: ~~ '.....,~ . :i .: 'iJJor." ...~Ji!!o"I..rl.nc1 Coumy.ze.,
'....,' ....~ ,""/..' ~O ;(l!L.Vol, .:::....p.Z1..!'
. '....-. .', ,': 11oo~" ,..:...tl~. 'lo1a11~1 0.,
">~~:tl'~":'Y aotlll PACE Iou ~""\I'''ao(.18~
."t. I. J ~. .""-
,.."".......... -
., ~
~ ,.-
traur.n" prcriO\o..., in efTacl, rrom In al......Le mort.... irLIurcr ."ploYed '-I Under. I._OIlanlielty cqunlml Dlort&1l1lnwr&nClC
cover.. i. aOlly.iI.blt, Borrower shan pay to uRdcr each IDOnlll a IURI cquallo oM-IWllnla or the yurt)' JnOf1PF Inl8ra1\OC premIum
~n. plld by Borrowu when th.ln........ .....,...Iopood orCUJOd 10 be I. oIIoct. Lende, wiU IOOIpl. _Ind ratlln Ihnc plymenllul
Iou ....... In lin 01 mort.... In......... Loll ,...... pl)'lllOnll may no 10.... be .equlrod. .1 the opllon or Lender, II mort_11ll1InOCO
~vor... (1.lhe .mount.nd lor the period thel Lelld.. requir..) p1o.wod by anln.u..r app,oml by Lend.. IpI. btco.... .vaUlb...1Id
II obl.l..d. Bono..., rhall PlY lbe prcmlum. required to mal.taI. monpp llIIUrlOCO In dloct. or to provlde.Iou.-.c. untlllhe
rrquirlmenl 10' mort....I..urln.. mcl.1n 1CC0rdanrc witIlany writt.. .....m..1 bel_O Borrower IIld Lender or .pplil;JbIlIa..
'.I.p,lIloa. Lead.. or III ....t may mlk. ..uonabl. ..u1.. upoo and IrupectloM ofw Property. LoHc"htD 1I..1IorroM'
1IOI1ec..1loc tl... of or prlo, 10 In hupectlon .poell,;", ....oOlb.. <UIO lor lbe 100podlon. .
I'. Co"'-tlooI. Th. proceed. ol..y 1.lnI 0' .1.lm ro, d.m..... dlroc:t orc:oucq..nllal,1n cotlIloclIoo wllIo anyoolld'll1IlItlO1l
0' other laid.. ofany part oftloc Property. or rorcon..yaootln lieu olc:ond.....lIoo. an herlby IUlanod...d .hlU bo paid I. \.codo,.
In 1110 ....lor 110111 taltlo. 01 110. Properly.tlM: p,ocood. .ball be II'pliod to the .wn. JCc:lIf1Id by thll Secu~ly !_~ 1'IioIheror
not the. dill. .lIh Iny ..... paid to Bono_. In th. ....nt 01. partlalllkln. oIlhe Proporly In .hlcb 1110 1.lr nwtrI ..... oItht
Property I....adlaltly bcIo.. Ih.llld..1I equal to o'......'lhen W OlI1Ounl oIt'" ,uDlllOC\lrod byllll.Scourlly IoIlrwnoo1l..D1adloldy
bcIo..the tlk"" u.m Borro..r and Lend.. olh.rwllc _I. wrilln..tb. RDIIICcvmI byt~Socurily I..llu...... thall be nduord by
lhe ""OU"' of tIoc procood. ..u\llpllad by lho lollowln. I,acclon: (I) tho totaIl"OU.t 01 tho .ulOl.....rod lnuMdlllaly bolOl'llho laid....
dlYld... by(b) tho lal, m.,kel value 01 lbe Property I....adlo..ly belo", tIoc taltlna. Any ballnoc.ball be p.1d 10 Bono...r.ln tbJ tvrnt 01 I
partialtaldn. 01110. Propmy In whlcb lho lair martel value o!lhe Property lmmtdlllCly bcIo", tIot tlklna II \roJ lhantloc ICDOIInl ollhe
.ullll........lmllladl.lCly bdore IIlr t.kI... unl... Borro"" Ind IAocI.r Olhctwi.. .....In wrllinl or unl... .ppllcable II. olhcrwltc
provldrt. tho procood, .hall be .ppllod 10 the ION lCCured by tbla Soc:urily InJlrumenl whrlbc, or not 11M: '.0\1'" tho. due.
IlIhe Propcny I,"budoo.d by Borro...,. or II, aI\r, noli<< by Leoder 10 Bo,ro..., Ihtt tho .ond....o. 011... to mlb .......ard or
I<lIIe I .lal.. 10' d....."'. Bo,ro'" 1.111 10 mpood to Lende, within 30 d')D oIt<r lhe dlle tho notlc.. liven, Lender II IUlhorlzcd to
collect I.d .pply lhe pr_. .1 It. opllo.. IUb.. to ...Iorlllo. or "pllr 01 Ih. pr1lpen, 0< to Ih. .um. ...u.... by Ihll Security
lmtrumtnt, whether or not thm due.
Unlcu Lcodcr and Bono.., olhcrwl......e in wrili... any appIIulloo olp'oorodJ to principal rhall oOl.ltcnd or poIlponc th. due
dale 01 the monthly paymenll "'mad to In parl""phI I.od 20' dwI..the ...ouol 01.ud1 pa)'lllOnll.
II. ......... Nol R._; Por-' B, ......, Nol I W_. Ea..rulon 0' ,he tlnoo lor pa)'lllOot or modiliulioo 01
arooniDllon of !he .U...ICCU.... by tbla Soc:urity IMlnIDlOntp_ by Lend...o.ny........1n Int....t of Bono..r rhallllOI oporalC
10..Iutc.he Illbility olthe oriFnal Borro...r or Borrowrr\ .......on In lot...... Lender .hall nol be required tocoOllllCl1OC proccrdin&t
qalrul .ny ._In 10teR.t 0' ..Iu.. 10 ..tend tim. lor pa)1llOot or olh.rwioo ..odlfy amortlratloo of Ibc ...... ICCUred by tbll
Soc:u~ty 10.lIumenl by ....on ohnyclrm.nd mad. by the orlainal Borro..., or Bono..r\ ._n 1.lo.....t. Any lorbe...... by
Lender In ea.rcbl", any r\abl 0' ..1Ilad, .h.1I not be . ..I...r 01 or p""lude the w:rdtc 01 ooy riahl or ..mody.
U. 5.11 I ... AIII.- 8011II4; JolnI and SnJUI UaIIUllJI C.sl..... '!be CO"..." .nd _mil of IbiJ Socurity
Irulr\lOlllnl Iball bind .od benefit tho .ua:ruon.nd ull.... 01 Looder .nd Bono..r. .ubjectlo Ih. proviJloru of pa.....pb 17,
Borro...,\ co....nb ud qroerDOIlIIshall be joi.t and .....a1. A.y 8orrowcr.ho.CH\an.lhll Soc:urit, Inllrurornt but does not...cvI.
lhe Not.: (.) 1I.....lanln.tbiJ Security InatruDlOnl 001)' 10 mort_. ....t.od .oo..y thai 8orro..r\ Int....11n lhe Proprny unde'tbe
...... ollbiJ Security In.I"'DlOnl; (b) Is not penonallyobli..tcd 10 pay tb. .u"" ICCUred by till. Soc:urily IlIIlrum.ot; and(.) lama WI
Lender .nd ooy other Borro...r m.y .....10 ..tend. ..odlf,. lort>r.. or Nt.lny acconunod.lIon. wllh ..prd 10 th. t.11OI 01 Ihh
Scaarity Instrument or lH Note withODt thal Borrower" conacDl.
13. Loan QarJer.lllhe lo.......,cd by tbll Security IlIIlrument II .ubject 10 .llwwhlch ICIIlIIIlllmum lOin .h..... Ind Wtll. h
finally Interpreted .. Ihltlhe inle...t 0' other lOin ell..... collceled or 10 be coUocIad In coOlloclion wilh the 101n..ocod tho pennll"d
UmI".lb.n: (I) uy.ucb Iou cIwF.halI be redoccd by Iloc .mount--.y to nd.... tho.twwr 10 tho permlu"'limI~ and (b) ooy .u""
alrudycoUoc:Icdl,om Bono.., wblch ..ocodod permlttod Ii.,;b will he ",Iundad to 80'"'....'. Lend.....y._ to make thi. ..Iund by
I'tducia.thc principal cnrrcdunder thl Note orb)' makinsadira:t paYD1ent: lO Bonowcr.lr. reCundRdua:sprincipal.thc rmlXtioD will be
lrcaIed u. partial prepayment without UJ prrpaymcnt chlrae under the Note.
14. NoU.... Any ooli.. to Borro....r p,cnldcd 10' In IbiJ Securily I...rumeot.ball be .1... by drllv..lo.11 orby malUnl it by finl
cluJ mail unltlS applicable law requiru uleor Inother method. T1Ie DOtice.hall bedirtctcd to Ole PrDperty Addrtllor Iny other &ddrea
8onowe, dOli...... by noclce to Leocler, Any OOIior 10 Lender .ball be Fven by fin! 0111I ma1IlO Leoclrr\ add....1l1lOd b.rrin 0' uy
otber addr...I.rnd.'d..I....... b, nOli.. 10 Borrower. Any nolice pnmdad lor in this Security Inll,umml th.1I be deemed 10 he.. been
Ii_ to Borrower or Lend.. .b.n liven u pnmdad In Ibll par_h.
U. Co_. LaW; Se"rlblUt,. Thll Securlly lnJI,um..t.haIl be .0........ by I....rall.".... tIoc II. oltbejurbdlctJon 10 ..blch
lbe P"'pmy II loco"". In .he....otthtt..yproYilI01l ordawa 01 tbl. Secarity lnouu..mt orlll. Not.connlcu .llh applicabl.law....h
conOid .h.lI not affect other provision, orthb Security l",tNmcnt ort.hc Notewhkh cia be livtG d1cct without theconflictina provilion.
Tc thll cod the provirioal of this Security ImlNmlllt ad the Note arc declared to be IIV'II'lbIe.
16......_\ Copy. Borro....' .hall be Fven one conformed copy ollbe NOlC.... ollbla Security Itullume.'.
17. T....,.. 01 tIot ~, or. llnoIIdaIlJllmal 10"""_.11 all or ooy pan 01 tbe Propeny or any Inlrrr:stlo II ia..1eI or
lranafcrred (or If I beneficial intcrealln Borrower iI.old or trauferrod and Bonower la DOl . natural penon) withe.t Leader" prior
wriU.n .onrcnl. Leod.. m.y. Illb option, requlrel..D1adI... p')'lllOnlln lun oI.lI.uIDI...ored by tbll Scourlly 11II1",...n'. HoWCYOl'.
Ibh option shall not be ...n:loed by Lender Ifr..rdse II p,ohlbllcd by lede..III. U 01 the dale 0' till. Se....lly 10000ll1llCnt.
II Lender ...rrilCllhl. option. Lender .ball Fve Borro....r ootl..ol ....lrrllion. '!be .otl.. PIli provid.. period 01 not I." Ib.n 30
d.)'I Imm 'he dll. Ih. nollcc I. delive.... or mailed ..ltbln whl.h Borro.., ....I PlY .lIlUm. lOCund by IhI. 5ealrity Inllrumont. II
Borrowe, llib 10 pay Ihnc JWOJ prior 10 lhe ..plrlllon 01 tbiJ period. Lender ",y Invoke .ny.......1ce prnnillCd by thia Soc:urily
InstromcDt .ithout funtler notice or dClDlld on Borrower.
1I.1Iorro_\ RI....lo Rrt.III.. II Bo,ro." mccb oertllll coodilloOl. Borro"" .blll hive tIot ri.bllO hive ,n1orcrmmt ollhh
Securil, lrutrumcnt diKoDlinuod II ooy 11m. prior 10 Ihe ..rller 01: (.) 5 d.a)'l (or JUCb olber period . .ppllcable law may .pcci(y 10'
..In'lIl.m.ot) brlorc.... of the Properly punuanlto .ny power of.... .onl.lned In tbiJ Seauity IlIItralllOnl; o,(b) mil}' 01 .jodlment
enrorcina this Scc:urity lnatrumtnt. ThOle conditioDllrc tbat Borrower: (I) plY' Lender alllWDl wblch then would be due under this
Security Instrument Ind the Note u ar no acc:cleralion bad occum:d: (b)curulnydcflult of III)' other covenlnll or qramcnu; (c) PlY'
IUCJlpensa intuITed inenfon:inlthll Security Instnunent, IDCludlna. bit not limited 10. reuonlbk IIlOntCY"(ca; and (d) Wet auch
action.. Leadrr may reuonably require to ..lire that the lien or thiI Security lutrumenl, Lender" rilhta in the Property and BorroVt'Cr"
obliJllion to pay the .ums rccurrd by this Socurity IllIlru...nl shall .onllo.. oneh.....,. Upon ..lllIlI..rnrnl by Borrowcr.lblsSecurilY
InUrum"llnd lbe oblillllollllCCu..d he..by .ball rem.in lully .rr.ctiw u II 00 .......11Ioo bad occurred, Ho...... .hia 'iabllo
..in'lIlC .hall nO! Ippl, In tho.... or aoc:cier..ion u.der pa,....pk 17.
I'. S.I.ol NOI'I Cban.. of I.mD Senl..,. The Nol. 0' I partiallnlllertln Ibe Nol. (IOIflher .llb lhll Securily Inllrumenl) mlY be
IOId one or man: limn without prior notice to Bo"ower. A ,aIc N)' rault In I chanp in the entity (known . the -loaD Scrvittr' th&t
collcdl monthly plymcau due under the Nole and this Security Instrument. There alIo 11\I)' be one Dr more cblqes orlhe Loan Stnk:er
unrellltll tn allle or lhe Note. Irthere 1.1 chlnp: or the l.oan Service" Borrower will be pven wriucn .ot~e ofthech.aDae in aecontlace
wilh P'''If.ph 141bo.. .nd .pplicablell". '!be nollce will'II,..henaroc and IIdd...ollhenrw Lnan Srrvi....ndt... add,cn10 whieb
plymenu should be made, The notice will.llo contlin Iny other Inrormation rrquittd by appliclble II..
. ,...1OI1 19110) ,_ ...",....,J
It.lluudoul :iubll.nna. Borrower ,h.1I nul c,""r permit the r~&Cn". use. dupoIII,llurasc. or rt~lu..-uny Ila;uuJuu,
SUblllancC1lln or in lhe Properl)'. Hurm*trwll nol do, oIlIowan)'onccbc lu dO,lnylhln..fftc1in, the rrl1prny r ~in \"itl!.llilln of
In)l EnvironmeDtal u.w. Thcprtc:cdlnllwolCnlcncalhall no. apply hllhe prcltnc;t, use.or atoll..,un the Prorcrl~ urt.mullllu,llllilirs of
IIUlnfouI Mubltancn lhal Irt &entraUy rtCOlni1d 10 be appropriate 10 nurmll rcsldcnlial uln "od 10 mainlenlnl"t' ul lhl' ('Inperl)'.
o Borrn'lll'cr .han promptly Ilvc lender wriUcn nolice of un)' in~,.tia.tlon.c1aim. dcmand.l.wtuil ur other Ict ian hy Itft)- Kll\ wmll:nl.1
or Rlul.tury qcncy or private pArt)' Involvinlthc Property and In1 UuardoUJ Sub.llMenr F.nvirunmenlall.I" ul.hkh RllIwv.'c:r hu
IIttU., knottledae.1r Borrower lcarnJ. or It nollned by .ny anvenunental or rtlulllory aUlhorilY.lha,.ny rrmo~al or ulhn Rnll'll _II ion or
any IIwrdou. Substance .<<cetin, the Property it neceuaty, Borrower .hall (lrom(ltly lake.U nCCCl'lIry rt'mc:di.llC'tlon" in ;tH' 'r","'1:
""itla Environmcntlll.aw.
As usN in Ihls pananph 20, "'Hwnfoul Suhll.nDU"' .re Ihole luhlt.nm ddlnrd 1M tOlic or hl/..rdoU1 luh,I;UKl" h)'
En~lronmcnl.t Law and the roUowln..ubll&n<<.: a..aline. kerosene, other nammable or lOlic petroleum producll, hUlk (letoliddc'lnd
herbicide., volatile 'OIWDU, male rials containlnl aabealoa or formaldehyde, und radiOlCllw mllleriab. All ustd in Ihi, plrOl,Japh 20.
"F.nvlronmcn1al Law. me.na frdenll..... and laM or lbe juriadittion where lhe Propeny ~ loclted 1h.1 RI.lt In health. \Olfel)' or
en~lronmcalaJ protec:tlon.
NON.UNIFORM COVENANTS, Borrow" .nd l<ndcr runhcr co.m.nl.nd._ Ie rollowo:
21. Acrtlcratlonl A..IM. Ltftder lhaD Iln _In Co .onowa ,rfor10 lenlmdoll faUowlal Bono",," .rncll Ilf In) CUUDUC
0' ................ S.curil, '__I (bul.ol prio' 10 ..ClIon_ unci.. puapaph 11_ .ppllcabl..... ,,",14ao ulh....ri..~
1And......1I 0011" 1Iorro.., or, ._. o""lhlnp:(.)I" ....ull; (b) 1..1<1100 rrqWed 10 cu..lhI dcfaull;(c)"hcalh. dc(.........
ba curN; ud (d) IhlIIlaJl...lo cu..I.. drf.... u _lIIed 01,,""'1 In .rutrrallon "'... ..01. .....ed b, 1.11 SecorllJ lo.uum....
ro_... b, JudldaI _radln. ..d ala of dI. Properll. ....d.. _II ro_ lor.... Iono,", of lIl. rlpllo ,"'.t... after
_derallo. ... .... dpllo _ 10 lba '0..'.... .......10. I" 00......1_. of . def.uh 0' .., olh.. def.n.. or Ion".." '0
_rle..Uo..ncI _Ioaun. U....def..h 10001 rand u .pecItIed, Leader .llb opelo" _, "'101.. ~.... ,.,..11II11I WI "r .11_
"_ b, I.... Secllril, Im"-aol wl_ _, delllllld aort..., '....Iooa.... 51<..11, I..t.-nl hI judicial p,oCledlna. I,....'
...11 b. .ntllled 10 con..l.. .._hoco"'" 10 p'.-alb._edln pnnidodl.lIoIa ........pb lI,IocI.dlni. bu. oOllln,II"'""
.IIOfMJI'r... aort cOll.oIdde "Id...lo... ..Iml prr..M.rdb'...._ I.".
n. ReCruI'. Upon plymenl of allaumlltCurcd by Ihb :iecurity Inllrumcnl.lhiJ S<<urily Inllnunenlud tbe elll.I~' ..'On\l.'~~lllh.aU
termlnale and bccom. void. Aner such OCCUrRlK'C, l.cnder .hall dlJchl1IC and whry Ihi. Sceuril)' 'nalrulllc:nl wilhnul dllrHt' 10
Bonnwcr. Hono.er shill PlY any recordation COlt..
n. WII,trI. Rarro""tt.lo the uteR1 permitted by applicable IIW, waivellnd rclc~ In)' crrnr or dcf<<11 in r'rOl.'\'Calinr Illenfon:e
thiaScturil)' Inl1Nmcnt. Ind hereby ..alVCIlhe benefit of any pre"'"1 or (ulure I.-I pravidin. for III)' of uecutlun.l.'llt'lUhlll ,II lime.
~ exemption from I1tacbmcnl. levy and ....e. and homeAlud nemplion.
~ U. R.w1l1_nl Period. 8onowcr'atlme In relnltale provided in plraarll'h I R Ih.n Cltend to line hour prinr 10 thecnmmcucemcnt
....... of biddial.t 11htrifT'l'lle or other sale purlUltU In IIlia Security Inll,umenl.
~ 15. r.ctu.. Moa'1 Mort"...I( any oCthedebt IeCUrtd by Ihis Scauity Jnluumrol i.knlla Harrower In ..~uil'f 11I1a! In Ihe
I" Propcn,. lhi. S<<urit, IllItru....I.hall be. purch... mnnC)' mnn..I".
U. .ace..... RI1I Antr JMemCIIC. RnlT'OWCr 'Irte:llh'llhe inleRSt rale pit-hIe In.cr ..judamcnl it (nlend on Iht HUh' It' in ;In
action of mort.. roreclolurc shall be Ihe r.1e p.yable 110m 1irR: 10 lime under the Note.
11. RldIn 10 Ihla 5teurlIJ Jnltnl....t. If ant or more ridel'llre Ut(Uled by Borrower and rtcurdrd logrther wilh 'hh ~,,,,'urily
'nllrumcol.lhc CD\<enlnl. Ind Isrtcmcnll oCneh luc:h rider .hall he incorporaled inCa Ind ,hall amend and !Iu(lpkrnenl the ",\l\'tollnll
and l.recmcoU 0( this Security Il\IlIumcal u irtbe ridcr(.) were I pan oC this Scturi1y Inslrumml. [Check applicable box(nJI
o Mjusllblc Rile Rid" 0 Condo..inium Ride, 0 1-4 flltllily Rider
o GndUDlN Pa~nl Rider 0 Planned Unit Developmenl Rider D Biweekly Paymml Ridrr
o Balloon Rider Cl Ra1' Improvemenl Rider 0 Second Home Rider
l!!J Othcr(.)[,pccir,J Lo9al .xhlb1t
BY SIGNING 8ELOW, Borrower lMXeptlancl .rcc. 10 the tcnru and coyeD,nl' coni lined in thit Security In.trumcnlllld in oy
ridct(l) executed by Borrower and m:onkd wilh it. .
~i~:~~:.........~.......... ......c./J!. {llt!./4g'f(J........ ~S"I)
, KOgen ~{ger (j 11""0""
... ....... ,~.~ .... ~... ..~.~.~.~......... .... .. ..)l.1C\ll.~~..c.(f!.:\!-:..tG~.;.~U~.......... (Seal)
Marie Clark Wllegor '] Ronowtl
(Ipoet _INs liM,.. "__I
COMMONWF.^I.TH ot: PF.HN!lVI,VANIA. Cullberland COUIII,,,
~ .. 6th ~ H_r 92
Onl_1 121,... .It_.Wort,.. I bAnd d if --...;,...--_.
thc.4tn._omc..l*"MtlIJannrtd Robert tI. Naeger and Hilry Clark w.a.~I~~IOf...CI:CCorii)'~111"""I!II"I"fIn(,.
,ml*allnr(l) .... ....hr,iWdlotkwillll.I..rv 'lftdwlllnWled"t", th.V/~'~:~:':~.~.f ....~.. ~'~i.'
UClledlbe....foflhl,.',..hcmnlXlft1a1_, to. ." '\ . ,.
IN WITNLlll.' WItEREOP.1 tIm..to.. fI1J'" ud orrlciaJ ..1. g ~ ..'~....~..',). -'. -:-
i1"/~ ,". .,
",Com _... .' ........ < Ie.. .
..,...~_P\.liIO - c... ,.uao;
QInorI..__CtuW ,. \0- .,of:-S
~camtMIalE,.n""'''1. ~ . . I~~',.(,ti....;t
or 1eft'.''L ",'~ .:............ ~~
IherebJnr1ir,t....LhlpIKiII....,.oIUlcwilJliaNOf1...II~fJ.. Camp Rfl,.~~..-\;~~
'V"flIlUU' ....
,
,
t
~
Robert. C.
BOOIlll00 fACE i&ll
r...JOIt (lItO) ',....4...f/tQn}
,-,
(-
AUGUST 06, 1996
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG, PA 17055
PNCMOlR'fGAGlE
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT
FORECLOSURE ON YOUR MORTGAGE IF YOU COMPLY WITH THE PROVISIONS OF
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT").
YOU MAY BE ELIGIBLE FOR EMERGENCY TEMPORARY ASSISTANCE IF YOUR DEFAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS, AND IF YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS.
UNDER THE ACT, YOU ARE 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"
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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.
BS234
,
--
I
~
AUGUST 06, 1996
ROBERT W WAEGER
1107 TIVERTON ROAD
MECHANICSBURG PA 17055
PNCMOlR'fGAGlE
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
RE: LOAN NUMBER 450850
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
THE MORTGAGE ON YOUR PROPERTY LOCATED AT: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
IS IN SERIOUS DEFAULT BECAUSE YOU HAVE NOT MADE MONTHLY PAYMENTS OF
$ 2,526.89 FOR THE MONTHS OF APRIL 01, 1996
THROUGH AUGUST 01, 1996. LATE CHARGES AND OTHER CHARGES HAVE ALSO
ACCRUED TO THIS DATE IN THE AMOUNT OF $ 1,408.68. 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 LETTER, IS $ 14,043.13.
YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS
LETTER, BY PAYING US THE ABOVE AMOUNT OF $ 14,043.13 PLUS ANY ADDITIONAL
MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS
PERIOD. SUCH PAYMENT MUST BE MADE EITHER BY CASHIER'S CHECK, CERTIFIED
CHECK OR MONEY ORDER.
IF YOU DO NOT CURE THE DEFAULT WITHIN THIRTY (30) DAYS, WE INTEND TO
EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. THIS MEANS
THAT WHATEVER IS OWING ON THE ORIGINAL AMOUNT BORROWED WILL BE CON-
SIDERED DUE IMMEDIATELY AND YOU MAY LOSE THE CHANCE TO PAY OFF THE
ORIGINAL MORTGAGE IN MONTHLY INSTALLMENTS.
IF FULL PAYMENT OF THE AMOUNT OF DEFAULT IS NOT MADE WITHIN THIRTY
(30) DAYS, WE ALSO INTEND TO INSTRUCT OUR ATTORNEYS TO START A LAW-
SUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS
FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY
OFF THE MORTGAGE DEBT. IF WE REFER YOUR CASE TO OUR ATTORNEYS, BUT
YOU CURE THE DEFAULT BEFORE THEY BEGIN LEGAL PROCEEDINGS AGAINST YOU,
YOU WILL STILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES, ACTUALLY
INCURRED, UP TO $50.00. HOWEVER, IF LEGAL PROCEEDINGS ARE STARTED
AGAINST YOU, YOU WILL HAVE TO PAY THE REASONABLE ATTORNEY'S FEES,
EVEN IF THEY ARE OVER $50.00. ANY ATTORNEY'S FEES WILL BE ADDED TO
WHATEVER YOU OWE US, WHICH MAY ALSO INCLUDE OUR REASONABLE COSTS. IF
YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE
REQUIRED TO PAY ATTORNEY'S FEES.
WE MAY ALSO SUE YOU PERSONALLY FOR THE UNPAID PRINCIPAL BALANCE AND ALL
OTHER SUMS DUE UNDER THE MORTGAGE. IF YOU HAVE NOT CURED THE DEFAULT
WITHIN THE THIRTY (30) DAY PERIOD AND FORECLOSURE PROCEEDINGS HAVE BEGUN,
YOU HAVE THE RIGHT TO CURE THE DEFAULT AND PREVENT THE SALE AT ANY TIME
j-'"
,-,
PAGE TWO
AUGUST 06, 1996
450850
PNCMOlR'fGAGlE
UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE. YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS ANY
LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE ATTORNEY'S
FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE (AND PERFORM ANY
OTHER REQUIREMENTS UNDER THE MORTGAGE). IT IS ESTIMATED THAT THE
EARLIEST DATE THAT SUCH A SHERIFF'S SALE COULD BE HELD WOULD BE
APPROXIMATELY ONE HUNDRED EIGHTY (180) DAYS FROM THE DATE OF THIS NOTICE.
A NOTICE OF THE DATE OF THE SHERIFF'S SALE WILL BE SENT TO YOU BEFORE
THE SALE. OF COURSE, THE AMOUNT NEEDED TO CURE THE DEFAULT WILL INCREASE
THE LONGER YOU WAIT. YOU MAY FIND OUT AT ANY TIME EXACTLY WHAT THE
REQUIRED PAYMENT WILL BE BY CALLING US AT THE FOLLOWING TOLL FREE NUMBER
1-800-634-6012. THIS PAYMENT MUST BE IN A CASHIER'S CHECK,
CERTIFIED CHECK, OR MONEY ORDER AND MADE PAYABLE TO US AT THE ADDRESS
STATED ON PAGE ONE OF THIS LETTER.
YOU SHOULD REALIZE THAT A SHERIFF'S SALE WILL END YOUR OWNERSHIP OF
THE MORTGAGED PROPERTY AND YOUR RIGHT TO REMAIN IN IT. IF YOU CON-
TINUE TO LIVE IN THE PROPERTY AFTER THE SHERIFF'S SALE, A LAWSUIT
COULD BE STARTED TO EVICT YOU.
YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PRO-
PERTY. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO
PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE
WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR
AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE
SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT
MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD
PARTY ACTING ON YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED. HOWEVER, YOU ARE NOT ENTITLED
TO THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY
CALENDAR YEAR.
SINCERELY,
JUDIE JEFFRIES
COUNSELING DEPARTMENT
ORIGINAL VIA CERTIFIED MAIL NUMBER
COPY VIA U. S. POSTAL SERVICE
BS230
,-",
I
,-..
AUGUST 06, 1996
MARIE C WAEGER
1107 TIVERTON ROAD
MECHANICSBURG, PA 17055
PNCMOlR'fGAGlE
TOLL FREE 1-800-736-9090
HOURS 8:00AM - 8:00PM EST
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
RE: LOAN NUMBER: 450850
PROPERTY ADDRESS: 1107 TIVERTON ROAD
MECHANICSBURG PA 17055
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT
FORECLOSURE ON YOUR MORTGAGE IF YOU COMPLY WITH THE PROVISIONS OF
THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT").
YOU MAY BE ELIGIBLE FOR EMERGENCY TEMPORARY ASSISTANCE IF YOUR DEFAULT
HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, YOU HAVE A
REASONABLE PROSPECT OF RESUMING YOUR MORTGAGE PAYMENTS, AND IF YOU
MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS
AN EXPLANATION OF YOUR RIGHTS.
UNDER THE ACT, YOU ARE 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"
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 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 (30)
DAYS AFTER THE DATE OF THIS MEETING. THE NAME, ADDRESS AND TELEPHONE
NUMBER OF YOUR REPRESENTATIVE IS:
JUDIE JEFFRIES
PNC MORTGAGE CORP. OF AMERICA
539 SOUTH FOURTH AVENUE
LOUSIVILLE, KY. 40202
TOLL FREE, 1-800-736-9090
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.
BS235
I
IN THE COURT OF COMMON PLEAS OF CUMBERlJ\ND COUN1Y, PENNSYLVANIA
CIVIL DIVISION
PNC BANK. NATIONAL ASSOCIATION, ) NO.: 1997-00681 CIVIL
slb/mlt CCNB BANK, N.A., )
) ISSUE NO.:
Plaintiff. )
) 1YPE OF PLEADING:
vs. )
) Praecipe to Settle and Discontinue
ROBERT W. WAEGER. ) without Prejudice
MARIE C. WAEGER and )
THE UNITED STATES OF AMERICA. ) FILED ON BEHALF OF PlJ\INTIFF:
)
Defendants. ) PNC Bank. National Association.
) slb/mlt CCNB Bank, N.A.
)
) COUNSEL OF RECORD FOR THIS
) PAR1Y:
)
) Kristine M. Faust, Esquire
) Pa. J.D. No.: 77991
)
) GRENEN & BIRSIC. P.c.
)
) One Gateway Center
) Nine West
) Pittsburgh, PA 15222
) (412) 281-7650
)
IN THE COURT OF COMMON PLEAS OF CUMBER1J\ND COUNlY, PENNSYLVANIA
CIVIL DIVISION
PNC BANK, NATIONAL ASSOCIATION,
slb/mlt CCNB BANK, N.A.,
NO.: 1997-00681 CIVIL
Plaintiff,
vs.
ROBERT W. WAEGER,
MARIE C. WAEGER and
THE UNITED STATES OF AMERICA,
Defendants.
PRAECIPE TO SETTLE AND DISCONTINUE
WITHOUT PREJUDICE
TO: PROTHONOTARY
SIR:
Kindly settle and discontinue without prejudice the above-captioned matter and mark the
docket accordingly.
GRENEN & BIRSIC, P.C.
BY:
.:~
Sworn to and subscribed before me
thi~.,t1Iday of Sl<.plelY'her ,2000.
~t~7~~J
Notary Public
NOlanal Selll
Kathleen l BOoher, NOlary PublIC
PlIlsburgh. Anegh.1ny County
My CommIssIon E)PHt:~ O.~( IA 2000
-.--
Member fJl:llrl"";~III;',:\~;;;:::-'.,;-::--::
-..,
C (-;
r: -"
...,
-_'I ,
t:-l ......
;
r-,. ::'..
)
, .1
- I ...
,
:.C:i ,'-' :.:"~
--: ~
" -,