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HomeMy WebLinkAbout97-00968 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY BSI Financial Services, Inc" Plaintiff Civil Action - Law vs No. 1997 - 0096BP Randy W. Cummings and Alma Marie Cummings, Defendants Mortgage Foreclosure PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly mark the above-captioned action discontinued. Ir. C\/ " c-., ,.., (::.; '.'.( r' lu... 0. .' f:: ! .'- ", ": t 9; c.. ~::J ':- o. '" "(d , - tilt. . ~:.; ~!.~ ,. ou ~: 0. '~ ..:; It. ..... .~j (,; en u , . "..-,-- . Certified ~& true and correct ?~.~~~,.~,. ISpoce Ab... 1'101. LI.o For Recordl., Dolo) MORTGAGE TIllS MORTGAGE ("Security Insuumenl") is given on JANUARY 10TH, 1994 The mortgagor is RANDY W CUMMINGS and ALMA M CUMMINGS , AS TENANTS BY THE ENTIRETY ("Borrower-), This Securily InsUUmenl is given III YORK FEDERAL SAVINGS AND LOAN ASSOCIATION which is organized and existing under !he laws of THE UNITED STATES OF AMERICA 101 S, GEORGE STREET, YORK, PA 17401 . and whose address is ("Lender"), Borrower owes Lender !he principal sum of ONE HUNDRED FIVE THOUSAND AND NO/IOO.............................................. Dollars (U.S, S 105000.00 ). This debt is evidenced by Borrower's nole da~ !he same dale as !his Security )nsuumenl ("Nole"), which provides for mon!hly paymenls, wi!h !he full debt, if nOI paid earlier, due and payable on FEBRUARY 1, 2024 . This SecurilY InsUUmenl secures III Lender: (a) !he repaymenl of !he debl evidenced by !he NOle, wi!h inl.eres~ and all renewals, cXlCnsions and modifications of !he NOle; (b) !he paymenl of all o!her sums, wi!h inleres~ advanced under paragraph 7 10 pmlCCl!hc securily of !his Security Insuumen~ and (c) die perfonnance of Borrower's covenants and agreements under !his Security Insuument and !he NOle, For !his purpose, Borrowcr does hereby mortgage, gr&ntand convey III Lender !he following dc.o;crihcd pmpeny )oca~ in CUMBERLAND Counly, Pennsylvania: whieh has !he address of 299 BARNSTABLE ROAD IS"u'l CARLISLE ICily) Pennsylvania 17013 ("Property Address"): IZip Code\ ACCOUNT N: 100055359 PENNSYLVANIA.. Sin,le Family -. Fannie ~I":.'rtddle Mac USIFORM ISSTKCMF.NT ITEM "SOl1 fl2lll Form 3039 9/90 (po,. 10/6 po, II) Glulh," I....... ,...... IIlC . hO'IMIC" ",oo.no.13., DfU .11.111.1121 Exhibit "A" .'1.. ';?:"v, " !7 , , " TOGETIffiR WIlli all the improvemenlS now or here.,flcr er.:c1Cd on the propeny, and all casemenlS, appunenanccs, and fixtures now or herwler a part oC the pmpeny, All replacemcolS and additioos shall also be covered by this Security Instrumcot. All of O.e Coregoing is reCerred 10 in Olis Security lostrumeotas Ole "Property: BORROWER COVENANTS that Borrower is lawfully seised oC the estalC hereby cooveyed and has the right 10 mortgage, grant and convey ""e Propeny and that the Propeny is unencumbered, except for encumhrances oC record, Borrower ~ananlS and will deCend generally Ole tiOe 10 the Propcny against all claims and demands, subject 10 any encumbrances of record, llilS SECURITY INSlRUMENT combines uniConn covcoanlS Cor national use and non.uniConn covenanlS with limilCd variations by jurisdiction to constitulC a uniConn security instrument covering real pmpeny, UNIFORM COVENANTS, Borrower and Lender covenant and agree as Cnllows: I. Payment oC Princlpat aad Inleresl; Prepayment and Late Charges. Borrower shall promptly pay whco due the principal of and inlcrest on the debt evidenced by the NolC and any prepayment and lalC charges due under the NOIC, .2. Fuads for Taxes and Insurance. SuhjectlO applicable law or 10 a writlen waiver by Lender, Bnrrower shall pay 10 Lender on the day monthly paymenlS are due nnder the NOIC, until the NolC is paid In full, a sum ("Funds-) Cor: (a) yearly taxes and assessmenlS which may atuUn priority over this Security Instrument as a lien on the Propeny; (h) yearly leasehnld paymenlS or ground renlS on the Propeny, if any; (c) yearly hlWU'd or propeny insurance premium,: (d) yearly nnod insurance premiums, if any; (e) yearly mongage insurance premiums, if any; and (f) any sums payahle hy Borrower 10 Lender, in accordance with the provisions of paragraph 8, in lieu of the payment oC mongage insurance premiums, These items are called -Escrow Items: Lender may, at any time, collect and hold Funds in an amount nOlIO exceed the maximum amount a lender Cor a federally relalCd mongage loan may require for Borrower's (Strow account under the federal Real EstalC Scttlement Procedures Act oC t974 as amended from time 10 time, t2 U.S,C, ~ 2601 el seq, ("RESPA-), unless another law that applies 10 the Funds selS a I=r amount. If so, Lender may, at any time, collect and hold Funds in an amount not 10 exceed the lesser amount. Lender may estimalC the amount oC Funds due on the basis oC current data and reasonable estimalCS of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposilS are insured by a federal agcocy, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank, Lender shall apply the Funds 10 pay the Escrow Items, Lender may not charge Bnrrower Cor holding and applying the Funds, annually analyzing the escrow accouOl, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law pcnnilS Lender 10 llI2ke such a charge, However, Lender may require Borrower 10 pay a one.time charge for an independent real cstalC tax reporting service used by Lender in cnnnection with this loan, unless applicable law provides otherwise, Unless an agrcementis made or applicable Law requires intercstlO be paid, Lender shall not be required 10 pay Borrower any inlcrcst or earnings on the Funds, Borrower and Lender may agree in writing, however, that inlCrest shall be paid on the Funds, Lender shall give to Borrower, without charge, an annual accounting oC the Funds, showing credilS and debilS to the Funds and the purpose for which each debit 10 the Funds was made. The Funds arc pledged as additional security Cor all sums secured by this Security Instrument. If the Funds held by Lender exceed Ole amnunlS pcnniucd 10 be held by applicable law, Lender shall account 10 Borrower for the excess Funds in accordance with the requiremenlS of applicable law, IC the amount oC the Funds beld by Lender at any time is not sufficicotlO pay the Escrow Items when due, Lender may so notiCy Borrower in writing, and, in such ease Borrower shall pay 10 Lender O.e alllouOl necessary 10 make up the deficiency, Borrower shall make up the deficiency in no mnre than twelve monthly paymcnlS, at Lender's sole discretion, Upon payment in Cull of all sums secured hy O.is Security Instrument, Lender shall promptly reCund to Borrower any Funds held by Lender, IC, under paragraph 21, Lender shall acquire nr selllhe Property, Lender, prinr tn lhe acquisition or sale of the Property, shall apply any Funds held by Lender al the time oC acquisition or sale as a credit against the sums secured by this Security Instrument. 3. ApplkatHIO of Payments. Unless applicahle law provides ntherwise, all paymcnL~ received hy Lender IInder paragraphs I and 2 shall be applied: first. UI any prepayment charges due under the Note: secnnd, tll amolln!s payable under paragraph 2: third, 10 interest due; fourth, to principal due; and last, 10 any late charges due under the Note, 4. Chargcs; Liens. Borrower shall pay all laXes, asscssmenlS, charges, fines and impositinns attributable 10 the Propeny which may atlain priorily nver Olis Security Instrument. and leaschuld paymcolS or grnund renL~, if any, Bnmlwer shall pay these obligations in the manner prnvided in paragraph 2, or ir nn! paid in that manner, Bnrrower shall pay them on time directly 10 lhe person owed paymen!. Burrower shall prompOy Curnish 10 Lender all notices or amounlS 10 be paid under this paragraph, If Borrower makes tllese paymenlS directly, Borrower shall pmmptly Curnish to Lender receiplS evidencing the paymenlS, Borrower shall promptly discharge any lien which has priority over this Security Instrumen! unless Bnrrower: (a) agrees in writing 10 the payment of the obligation secllred by the lien in a manner acceptable 10 Lender; (b) COOleslS in good Cailh the lien by, or defends agaiost coCorcemeOl uf the Iieo in, legal proceedings which in the Lender's opinion operalC 10 prevent the enCorcement of the lien; or (c) s.:curcs Crom the holder or the lien an agrcemeOl satisfaclOry 10 Lender subordinating the lien 10 this Security Instrumen!. If Lender delCnnines that any pan of lhe Propeny is subject 10 a lien which may allain priority over this Security InstIument, Lender may give Borrnwer a notice identiCying O.e lien, Borrower shall satisCy the licn or take one or more of Ihe actillns set forth above within 10 days or the giving of nOlice, S. Hazard nr Property Insurance. Borrower shall kecp the improvemenlS now existing nr hercaCler erecled on the Propeny insured against loss by fire, hazards included within O.e tcnn .extended coverage" and any other hazards, including nnods or nnoding. ror which Lendcr re(l"l1e,S insurance. This insurance shall be maintained in Ihe amnunlS and IYEU 1tSOU 1'211) ACCOUNT N: 100055359 Form JOJ9 9''10 (1"4112 (Jf6 ptJltl) O""l.,..I",,,,,",,"...11lC . foO,dere.. 1,100,130111) CUX 111-1,I.IUI / ~" ACCOUNT N: 100055359 ,;Y for the periods thai Lender requires, The insurance carrier I'rovhlmg the insurance shall be choseo by Borrower subject In Leader's approval which shall not be unreasonably witl,held, If Borrower fails III maio lain coverage described ahove, Lender may, al Lender's option, obtain coverage to prolCcl Lender's righl' in tile Prnperty in accordance Wltl. paragraph 7, All insurance policies and reoewals shall be acceptahle 10 Lender and shall include a standard mnngage clause. Lender shall have the right to hold tile policies and renewals, If Lender requires, Borrower shall promptly give UI Lender all receiplS of paid prCll1iums and renewal notices, In the event of 105.', Borrower shall give prompl nntiee to tile insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower, Unless Lender and Borrower otherwise agree in wriling, insurance procec<ls shall be applied lO resloration or repair of the Property damaged, if the reslOration or repair is economically feasihle and Lender's securily is nlll lessened, If tI.e reslOration or repair is not economically feasible or Lender's securily would be lessened, the insurance proceeds shall be applied lO the sums secured by this Securily InstrOmen~ whether or 001 tllen due, with any excess paid lO Borrower. If BOrTOwer abandons the Property, or docs not answer withio 30 days a notice from Lender thai the insurance carrier has offered to senle a claim, then Lender may collect tile insurance procwls, Lender may use tI.e proceeds UI repair or restore the Property or to pay sums secu~ by this Security InstrOmenl. whelher or 001 lhen due, TIle 30.day period will begin when the notice is given, Unless Lender and BOrTOwer olherwise agree in writing, any application of proceeds to principal shall not extend or poslpone the due date of the monthly paymeOl' referred In io paragraphs I and 2 or change the amounlnf the paymenlS, If under paragraph 21 the Propeny is acquired hy Lender, Borrower's right In any insurance policies and proceeds resulting from damage to the Property prior to lhe acquisition shall pass In Lender III lhe extenl of the sums secured by this Secllrily InstrOment immediately prior to the acquisition, 6, Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds, Borrower shall occupy, establish, and use the Propeny as Borrower's principal residence within sixly days after lhe execution of this Securily InstrOment and shall continue to occupy lhe Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender olhClWise agrees in writing, which consent shaU not be unreasonably withheld, or uoless extenuatiog cireumslarlces exist which arc beyond Borrower's control, BOrTOwer shall not destrOy, damage or impair the Propeny, allow the Propeny to deteriorate, or cnmmil waste on the Property, BOrTOwer shall be in default if any forfeiture action or procec<ling, whether civil or criminal. is begun that in Lender's good faith jUdgment could result in forfeiture of the Property or otherwise materially impair the lien created by this SecurilY InstrOment or Lender securily illleresL BOrTOwer may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding lO be dismissed with a ruling tha~ in Lender's good faith delermioation, precludes forfeiture of the Borrower's interosl in the Property or other material impairment of lhe lien crcated by this Securily InstrOment or Lender's security interest. Borrower shall also be io default if Borrower, during lhe loan applicatioo process. gave materially false or inaccurate information or 'tatemenlS 10 Lender (or failed to provide Lender with any material information) in coonectioo with the loan evidenwl by the NOle, including, but nnllimited lO, representations concerning BnrTOwer's occupancy of the Property as a principal residence. If this SecurilY InstrOmelll is on a leasehold, Borrnwer shall comply with all the provisions of the lease. If Borrower acquires foc title to the Propeny, the leasehold and lhe foc title shall not merge unless Lender agrees to the merger in writing, 7. Protection of Lender's Rlgbts in the Property. If Borrower fails lO perform the covenanlS and agretmenlS contained in this Security InstrOmen~ or there is a legal proceeding tI.at may significantly affecl Lender's righlS in the Property (such as a proceeding in bankruptcy. probate, for cnndemnation or forfeiture or lO enforee laws or regulations), then Lender may do and pay fnr whalever is necessary lO prolCcl lhe valoe of lhe Property and Lender's righlS in the Property, Lender's actions may include paying any sums secured by a lien which has priority over this Security InstrOment, appearing in coun, paying reasonable atlOmeys' fees and entering on lhe Pmpeny 10 make repairs, Altllough Lender may take action under this paragraph 7, Lender docs not have to do so, Any amounlS di.bursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security InstrOment. Unless Borrower and Leoder agrcc to olher lerms of paymenl, tllese amounts shall bear interesl from the date of disbursement at lhe Note rate and shall he payable, wilh inleresl, upon notice from Lender to Borrower requesting paymelll, 8. Mortgage Insurance. If Lender reqllired mongage insurance as a condition of making the loan secured by this SecurilY InstrOmelll, Borrower shall pay the premiums required 10 maintain lhe mongage insurance in effecl. If, for any rcason, lhe mongage insurance coverage re'llIired by Lender lapses or ceases III be in efrecl, Borrower shall pay the premiums required to ohlllin coverage substalllially equivalelll 10 ule mongage insurance previously in effecl, al a COSt substantially equivalent to lhe COSI UI Borrower of the mongage insorance previously in effec~ from an altemate mongage iosurer approved hy Lender, If substantially Cllllivalelll mortgage insurance cllverage is nlll available, Borrower shall pay 10 Lender each month a sum equal Ulone-lwclfth of lhe yearly mongage insurance premium heing paid by Borrower when u.e insUrance coverage lapsed or ceased 10 he in effecL Lender will accep~ ose and relain lhcsc paymenlS as a loss reserve in lieu of mortgage insurance, Loss reserve pa)'ments may no longer be rClluired. at the option of Lender, if mongage insurance coverage (in lhe amoulll and fllr tile period lhat Lender requires) provided by an insurer approved by Lender again becomes available and is obtained, Borrower shall pay lhe ",ell1illll1S required II) maintain mongage insurance in effec~ or to provide a loss reserve, until ule requiremelll for mongage insurance ends in accordance with any wrilleo agreement betwccn Bomlwer and Lender or applicahle law, 9. Inspeclion. Lender or ilS agelll ma)' make reasonable entries upon and inspections of the Propeny, Lender shall give Borrower nOlice at tile time of or prim III all inspectinn specirying rcasllnable cause for the inspection. 10. Condemnation. TIle procwls of any award or claim fur damages, direcl or consequential, in connection with lTE.,U50L31lJ211, Furm 3039 9/90 (pdl,Jn/flpdruJ G'Ull"..I...lntu'OflM,lnc . ToOlcJtfC.D 1.IOO.!JO.Ut3 G,u 1110111-1131 ACCOUNT N: 100055359 / any condemll3tion or other laking of any pan of the Prnl'"ny, ..r for conveyance in lieu of condemnation, are hereby assigned and shall be paid 10 Lender, In the event of a lOW laking of the Propeny, the proceeds shall be applied to IIle sums secured hy lIIis SecurilY Insuumen~ whether or nOlthen due, with any excess paid to Burrower, In Ille event of a panial laking of the Propeny in which the fair market value of the Property immedialely before the laking is equal to or greater lIIan lIIe amounl of lIIe sums secured by chis Securily Insuument immedialely before 1I1e laking, unless Borrower and Lender Ulherwisc agree in writing, the sums secured by this Security Insuument shall be redueed by the amounl of the proceeds multiplied by the following fraction: (a) the tola! amount of the sums secured immedialely before the laking, divided by (h) Ihe fair markel value of the Property immedialely before the laking, Any balance shall be paill 10 Borrowcc. In Ihe evenl of a panial laking of the Proper:y in which the fair markel vallie of Ihe Property immedialely before the laking is less Ihan the amnunl of the sums secured immedialely before the laking, unless Bnrrower and Lender nlherwise agree in writing or uol.o;s applicable law otherwise provides, Ihe proceeds shall be applied to the sums secured by this Security Insuumenl whether or not the sums are then due, If the Property is abandoned by Borrower, or if, afler notice by Lender 10 Borrower Ihalllle condemnor offccs to mal;e an award or seule a claim for damages, Borrower fails to respood 10 Lender withio 30 days afler Ihe dale the notice is given, Lender is authorized to collecl and apply the proceeds, al its option, eilller 10 restoratioo or repair of Ihe Property or to the sums secured by this Security Insuumenl, whether or notlllen due, Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall nol eXlenll or poslpone the due dale of lIIe moothly paymeolS referred to in paragraphs t anll 2 or change Ihe amount of such paymenlS, II. Borrower Not Releastd; Forbrarance lIy Lender Not a Waiver. Extension of Ihe time for paymenl or modification of amortization of the sums secured by this SecurilY Insuumenl granted by Leoder to any successor io iOleresl of Borrower slullI not 0(lCC81e to release the liahility of the origioal Borrower or Borrowcc's successors io inleresL Lender shall oot be required to commence proceedings against any successor in inlCtCSt or refuse 10 eXleod time for payment or otherwise modify amortizatioo of the sums secured by Ihis SecurilY Insuumeot by reasoo of any demaod made by the original Borrowcc or Borrowcc's successors io inleresL Aoy forbearance by Lender io exercising any righl or remedy shall 001 be a waiver of or prtClude the exercise of aoy righl or remedy. 12, Sucas50rs and Assigns Bound; Joinl and Several Liability; Co.sigoers. The coveoanlS and agreemenlS or lIIis Securily 1000000ent shall bind and benefillhe successors and assigns of Lender and Borrowcc, subject III lIIe provisions of para~h 17. Borrower's covcnanlS anll agreemeolS shall be joint and several. Aoy Borrowcc who co.signs lIIis SecurilY losuumenl but does nOI execUIe lIIe Note: (a) is co.signiog lIIis Security losuumenl ooly to mongage, granl and coovey thaI Borrower's inlCtCSt in lIIe Property ooder lIIe lenns of lIIis SecurilY losuumeo~ (h) is 001 persooally obligated to pay lIIe sums secured by lIIis Security losuumeo~ and (c) agrees thai Leoder and any oilier Borrower may agree to extend, modify, forbear or make any accommodatioos willi regard 10 lIIe lenns of lIIis Security losuumenl or lIIe NOIe willloUI lIIal Borrower's COnsenL 13. LoaD Charges. If the loan secured hy lIIis Security (osUUmenl is subjecl to a law which selS maximum loan charges, and !hallaw is finally iOlecpreted so lIIalllle iOleresl or other loan charges collected or to be collected io coooectioo with lIIe loan exceed the penniued limilS, theo: (a) aoy such loan charge shall be redueed by lIIe amouol oecessary to reduce lIIe charge to lIIe penniued Iimi~ and (h) any sums already collected from Borrowcc which exceeded penniUed limilS will be refuoded to Borrower, Lender may choose to make lIIis rerund by reduciog lIIe priocipal owed uoder lIIe NOle or by maJciog a direcl paymenl to Borrower, If a refunll red lice' principal, lIIe reduetioo will he IrCDled as a panial prepaymeot withoul any prepayment charge under the NUle, 14. Notlas. Any notice to Borrower pmvided ror in lIIis SecurilY losuumenl shall he given by delivering it nr by mailing it by flrSl class mail uoless applicable law requires use or another method. The notice shall be directed to the Property Address or any other address Borrower lIesignalCS by ootice to Lender, Any notice to Lender shall be given by firsl class mail to Lenller's address stated hereill or any olher address Lenller designalCs hy notice to Borrower, Auy notice provided for io lIIis Securily InsUUment shall he decmed III have been giveo to Borrowcc or Leoder when given as lJlIlvided io lIIis para~h, IS. Governing Law; Severability. This Sc<:urilY Insuument shall be governed by federal law and the law or the jurisdiction in which lIIe Propeny is located, In lI.e event lIIal aoy provision or clause of lIIis Security Insuument or the NOIe conmclS with applicable law, such COnmCI shalloO! affect olher provisions of Ihis Security Insuument or Ihe NOle which can be given effect without the eonmctiog pmvision, To Ihis enllthe provisions of lIIis Securily Instrumenl anllllle Nole arc lIeclared to be severable, 16, Borrower's Copy. Borrowcc shall he given one confonned copy of lIIe NOle and of lIIis Security InsuumenL 17. Transfer of Ihe Properly or a Beneficial Inleresl In Borrower. If all or any part of lIIe Propeny or any iOleresl io it is sold or uumferred (nr if a beneficial illlcr.sl in Borrower is sold or uansferred anll Borrowcc is nlll a oatural persun) without Lender's prior wrillen conselll, u:nller may, al ilS optioo, require immediale payment in full of all sums secured by lIIis Security Insuumelll, Hnwever, Ihis option shall nOI he exercised by Lender if exercise is prohibited by federal law 35 of lIIe dale of lIIis Security InsuumenL . If Lender exercises this option, Lender shall give Borrowcc notice or acceleration, The notice shall provide a period of nntless lIIan 30 days fmm the dale lIIe notice is "elivered or mailed willlio which Burrower musl pay all sums secured by lIIis Securily (nsUUmenL If Borrower fails lu pay these sums prior 10 lIIe expiration of lIIis perind. Leoller may invoke any remedies pennilted by lIIis Securily Insuumclll without further notice or demanll 00 Borrower, t8. Borrower's RighI 10 Reloslale, If BOIrrower me<:ls cenain coollilinns, Burrower ,hall have Ille righl III have enr",cemeol of this Security Insuumcnllliswlllilllled al any lime priur In thl' coulier uf; (a) 5 llays (nr SIIL'h ulller perinll "s IlEY "SOL' 11211) Form 3039 9190 (pa,' 4"'6 pd''') Q"'ll.u.'~"'..FIf....11IC . '.Ofoe,C,. l-loo-no-nn :lFU: I'HIHUI --. ACCOUNT N: 100055359 applicable law may specify for reinsta\Clllenl) before sale IIr dIe Pmpeny pursuant to any power of sale contained in this SecurilY Instrumenl: 01 (h) enuy of a judgment cllforcing dlis SecurilY Instrum:nt Those conditions are that Borrower: (a) pays Lender all sums which then would be dlle under this Securily Instrumenl and die Note as if nn acceleration had occl!lTed; (h) cures any default of any other CllvcnanLl nr agreemenLl; (c) pays all expenses incurred in enforcing dlis Security Instrument, including, but not limited to, reasonable attorneys' fees: and ld) takes such action as Lender may reasonably 'require to assure thaI the lien of dlis Securily Instrument. Lender's rights in dIe Propeny and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged, Upon reinstatement by Borrower, this SecurilY Instrumenl and the ohligatinns secllred herehy shall remain fully effective as if no acccleralinn had occurred. Hllwever, this righltll reins~'te shall not apply ill the case IIf acceleration undcr paragraph 17, 19. Sale of Nole; Chan&e of Loan Senlcer. The Note or a pallial interest in dIe Note (lngether with this SecurilY Instrument) may be sold one or more times widlOUl prior notice In Borrower, A sale may reslllt in a change in the entily (~nown as the "Loan Servicer") thaI cllllects mllnthly paymenLl due under dIe NOle and this SecurilY Instrument, There also may be one IIr mnre changes IIf the Loall Servkcr unrelaled 01 a sale IIf the Nllte. If there is a change nf dIe Loan Serviccr, Bllrrower will be given wrillen notice of dIe change in accordance with paragraph 14 above and applicable law, The nlltice will state the lWl1e and llddress oC the new Loan Servicer and the address In which paymenLl should be made, The notice will also contain any nther information required by applicable law, 20. Ha..rdous Substances. Borrower shall nol cause or permil the presence, use, disposal, slnrage, IIr release of any Hazardous Substances on or in the ProperlY, Bllrrower shall not do, nor allllw anyone else In do, anydling affecting the Propeny that is in violation of any Environmental Law, 11le preceding two sentences shall not apply to the presence, use, or slOrage on the Property of small quantities of Hazardous SubsUUlees thai are generally recognized to be appropriate 10 normal residential uses and In mainlenance of the Propeny, Borrower shall prompdy give Lender wrilten no~ce of any investigation, claim. demand, lawsuil or other action by any governmental or regulatory agency or private puny involving the Propeny and any Hazardous Suhstance nr Environmental Law oC which Borrower has aclUal knowledge, If Borrower learns, or is notified by any governmental or regulalnry authority, thaI any remnval or other remediatilln of any Hazardous SubSUUlce affecting the Properly is necessary, Borrower shall prompdy take all necessary remedial actions in accordance with Environmental Law. M used in this paragraph 20, "Hazardous SlIhsUUlces" are those subsUUlces defined a.s Ollie nr h31.ardnlls subSlancc., by Environmental Law and the following substances: gasoline, kerosene. other nammable or III.ic petroleom producLl, In.ic pesticides and herbicides, volatile solvenLl, malerials containing asbeslns or formaldehyde. and radioactive materials, As osed in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Propeny is located that relate In health, safety or environmental prolCCtion, NON. UNIFORM COVENANTS, Borrower and Lender funher covenanl and agree as follows: 21. Accelerationi Remedies. Lender shall &ive nnUce 10 Borrower prior 10 acceleraUon COllowin& Borrower's breach of any covenant or a&r~menlln Ihis Securily Instrument (bul not prior 10 acceleraUoD under para&raph 17 unless applicable law provides otherwise). Lender shall noUfy Borrower of, amon& other thln&s: (a) Ihe deCaulti (b) Ihe acllon required 10 cure the defaulti Ie) when Ihe deCault musl be cured; and (d) Ihal Cailure 10 cure Ihe default as specified may result in acceleraUlln of Ihe sums secured by Ihls Securlly Inslrumenl, foreclosure by Judicial proc~ding and SlIle of Ihe Properly, Lender shall Curther Inform Borrower of Ihe ri&hllO reinslale aCler acceleration and Ihe right 10 assert in the Coreclosure proceeding Ihe non.edslence of a default or any olher deCense of Borrower 10 aeceleralion and Cllreclosure. If the default Is not cured as specified, Lender allts option may require Immedlale payment in full IIf all sums secured by thi. Security Inslrument wilhllut further demand and may foreclose Ihls Securlly Inslrument by judicial proceeding. Lender shall be enlitled to clllleet all expenses incurred in pursuing Ihe remedies provided In this para&raph 21, inclllding, but not limited 10, allorneys' fees and costs of lit Ie evidence 10 Ihe extenl permllled by applicable law. 22. Release, Upon payment of all sums secured by this SecurilY in'lIumen!, this Securily Instrument and the estate conveyed shall lerminate and become void, Afler such occurrence, L.:nder shall discharge and satisfy this' Securily Instrumenl withoul charge 10 Borrower, Borrllwcr shall pay any recordation COSLl, 23. Waivers. Bllrrower, In the e.leol "ermilled hy applicable law, waives and rel= any em" or defects in proceedings In enforce dlis Securily Instrumelll. and hereby waives the benefit of any prescnt or fUlure laws providing for stay of exc<:utioo, eXlcosion of time, exemptioo from altachmem, levy and salo, and homcstead e.emption. 24. Reinstalemenl Period, Borrower's time III reinstale provided ill paragraph t8 shall eSleOllll1 une hour prior In dIe commencemem of bidding al a sheriff's sale or odler sale pursuanllo this SecurilY Instrument 25. Purchase Money Mort&a&e, If aoy of dIe dehl sc<:ared by dlls Security Instrumem is lelll In Borrower In acquire tide In the Propcny, dlis Sc<:urity Instrument shall he a parchase mllney mongage, 26. Inleresl Rale After Judgment. Burrower agrees dIal the imcresl rale payable afler a judgmenl is emered on the NOle nr in an actilln IIf mortgage foreclosllre shall he lhe rate payable frollltime In time under the Note. HEY 1I50lllUll1 Form 30]9 9I90/pd"] 0/6 pd,<I} Q,ulllh.'lIIlNu ,,,lilt. 1M. . T.~hIC'" "Ioo.no-un nrAl 11"'11-1131 f' 27. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together wilb Ibis Security Instrumen~ Ibe covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of Ibis SecurilY Instrumenl as if Ibe rider(s) were a pan' of Ibis Securily Instrument. (Check applicable bex(es)) o A~justable Rale Rider 0 Condominium Rider 0 14 Family Rider o Graduated Paymenl Rider 0 Planned Unh Development Rider 0 Biweekly PaymcoI Rider o Balloon Rider 0 ROle Improvemenl Rider 0 Second Home Rider @ Olber(s) [speciCYI RIDER TO PARAGRAPH 18 AND ADDENDUM BY SIGNING BELOW, Borrower accepts and agrees 10 Ibe lenns and covenants contained in pages I Ibmugh 6 DC Ibis Security Insuumenl and in any rider(s) executed hy Borrower and recorded wilb it. ,~, ('L'I ~ -(~, ..... "t~' ~. " (Seal) ---- ) ) , I I I{ .Borro.... ALMA M CUMM I NGS' ;;.;' , .. (. : .1.'.'/.','" ,,/ ~ f (Seal) -Borrower (Seal) .Borrower (Seal) -Borrower COMMONWEAL 111 OF PENNSYLVANIA, CUMBERLAND CouOly ss: Oolbis,lbe 10TH day DC JANUARY, 1994 ,beCoreme, a ~ ~ Ibe undersigned oCliccr, personally appeared RANDY W CUMMrNGS and ALMA M ' CUMMINGS proven) to be Ibe person s whose name s are Ihat they executed Ibe same Cor Ibe purpose herein contained, known to me (or satisfactorily subscribed 10 Ibe wilbin instrument and acknowledgr<l IN WIlNESs WHEREOF, I hereunto sct my hand and oClicial seal. My Commission expires: IClTARIAL SEAL IIAlUoRlE A. OoLUCA, NOTARY PUBLIC lOlLING SPlUNGS, CUMBERlAND COUNTY MY COIIMISSlOH DARES JUNE 5, 1995 CERllFlCATE OF RESIDENCE I" rt,',:(4,'''.y L, Pr/., C',/ ~rr'l,;n'''' dOhcrcbYccniCylballbecolTCCladdrcssoflbewilbinnamedfenderis 101 S. GEORGE STREET YORK PA 17401 , L ' , Witness my hand Ibis /. (' day o~" ,., ", "} I I rr y . . ~, '(i' a~///.;~~ :('~~rd.y A~eOl of Lender ,/ ACCOUNT': 1000;5359 . nUl 'nou 11211) ~'orm JOJ9 9/90 (po" d 01 d po,") GfttIL.....utlne..h,"".lftC.. h 0,.., c.. HOO-5)O-nn p., "ll 11J.7Il.ttJl . I ,.... :'oIO':'E JANUARY 10 .19 94 BOILING SPRINGS ,PENNSYLYANIA lell)') lSUI" 299 BARNSTABLE ROAD, CARLISLE, PENNSYLYANIA 17013 lhopcn, A"',...) I. BORROWER'S PROMISE TO PA Y I....... Iou"'''''' 1 have =lvrd,1 prombc 10 pay u.s,S 105000,00 (lhlu..oonll. callrd .pindpoI.).pluI..........lOthennbolthel<ndct. The l.<ndet is YORK HDERAL SAYINGS AND lOAN ASSOCIATION, 101 S. GEORGE STREET, YORK, PA 17401 ,lunder.lInd _&be LenderIDl)' lrIaII<<dlis Haec. The l.ender or anyone who w.es this NoIe by transect and who is enulled 10 r<<dvepl_ _ dIlINoIc bcalltd the .N... IJoIda,' 1. INTEREST In_ wW be cbIrpd 0II1Ulp1id principii unlil the luU IIIlOUIII 01 principii has been paid, 1 wlU ply inlUal "' I y*y...oI B.OOO .., Tho......... n>quinId by "'b Scalon 2 b the.... I wm pay both bel... end o/let ...y dellUll dcacribed in Scalon 6(8) at dIlI-. J. PA YMEHI'S (A) n-......... 01...,...11 I will JIll' pindpoIlIld In...... by niounl payments .very ....Ih, I .,illllllkc my I1lIXIdlIy pI)'1l1Cllts on the 1ST doy 01 CICh ....th belinninl on HARCH 1ST 1994 . 1 will ....__ts.very....th unlill hay. paid III 01 the princlpllllld inlCtCSlend lilY othu clwlCS dcIcrillod below.....1 may Il1VC uncles "'b Nocc. My ....llIly payments .,iII be opplicd OJ inlCtCSl belon: principii, II. on FEBRUARY 1 2024 .IIliU owe IIIlOUIIts undes llIis N....I will ply those........ts in lun 011..... ollie, whleb b caIJod dlo .0llIIIlriq ollie. . I wlU IIIIkc my lllllIlIllly pI)'1l1Cllts.. ,...nlYAlltA 11401 (B) A_oIMaoW,,,,,,...ts My lIIllIIlhIypl)'lllClllwlll be in the II1lOUnl01 U.s.s 4. BORROWER'S RIGHT TO PREPAY I hive Ihe ri&bl1O make payments of princ:ipalll IOY lime before Lhey lit. due. A plymtnl of principal only is known U. -preplymalL. When I make I prepaYmeIll.l willltlllhe NoLe HoJdu in writinllhat J am doing so. I may make. full pRpI)'meru or partial prtpIymenu WIthout paY-Ln, any prepaymenl charlC. The Note lIoL:!er .,IU use all 01 my JlRllI}'1llCllts 10 reduce the IIIlOUIII 01 principii..... I owe under llIis NOIt, III msk. I pII1iaI ptqlIymcm, - will be no Wnlcsin the due ollie Of in the II1lOUnl 01 my ....thly payment unless the NOIt 1I01du _In writln& 10 those dlaaacs. S. LOAN CHARGES II...... -1I'Illics" dill loan end ",bleb ICls muimum loan charles. is ronally intcrpfClOd to..... the inlCfCSl Ofod1ctlooncllqeacoUoclcdOfIO becollcatd in..."",tion ",ilh this loan Clcud thepamiucd limits. then: (i) Illy such Joan char&e shall be reduced by the amountllCCCllU)' 10 reduce the .lwl' 10 the pcnnlucd limi~ end (Ii) illY sums a1reIdy co1Jcaed from me wblcb ucccdcd pamia.ed UmilJ will be refunded 10 me. The NOle Holder may choose to make "'is rcIund by reducio& Ibc pincipalt ow. under dill NOIt or by mskinl I ditca paymenllO me. III rcIund reduces princJpaI. dlo rcducdoo wW be lI<IIcd U I pII1iaIptqlI)'1l1CllL ,. BORROWER'S 'AlLUlE TO PAY AS REQUIRED (A) La........ r.. 0..",.. "",M.ats IIIhc NoIc IIoIdcr has no< r<<dved the lulllllUlllnl 01 Illy monthly paymenl by the end 01 F I FlEEN! 15) caIcndIr doy.o/let Ihcdalc It bd....1 will ply ""Ie chari' 10 theNOIt Holdet, The amount 01 \heclwl' ",ill be 5.000 .. 01 my ovuduepaymallotpincipaland inLetesL I will pay this tau: chalee promptly but only once: on each laic payment (B) DtfI.1t .U I do IQ pl71bc: full amount of each monlhly payment on Lhe lUle: it is due,. will be in default (C) NoCl...r Dtflull J( I am ill ddlDh.1he tb.c Holder lR'y send me I written notice ccUin& me WI if I do 110I ~y lhe ovudue amount by . ccnain dlle.1hc NoIc Holdet may require me 10 pay immcdl.lwy \he Cull amounl of principal which has not bctn ~d and aU the inIcrat IbM I owe on mal amount nw date must be II least 30 days allU \he date on whtch the noUcc iJ dcliVCftd Of malIod 10 me. (D) No W.t.... B, Not. lIo1d... Even it,ll. time wbc:n lam in default-the Note Holder does nol require me 10 pay immediately in Cull u described above. the NOIe Ho&dcr will szill have IIlc right to do so if I am in default It a later time. (E) Pa,.nal oINOCc Iloldtr's Costs Ind F.xpfnm tr &he NoIe Holder has tetluired me In pay immedi.Lcly in full as described above. the Note lIulder will have lhe rilhl 10 be paid bKt by me for all of iu emu and upenses in enrurdng this Nmc to Lhe eatenl nOI ptllhibiLCd b)' applicable law. Those uJICIlICIlnclude. rOf eumple, reasonable anome)'s' rees. 1. GIVING OF NOTICES Unless Ipplicable law requires a dllfeanl method. any notice lhal mus' be ,Iven 10 me undu this NUIc .....iII be: liven b)' dc:livcrin,llorby InIilin& II b)' fin1dan mail 10 me .11he Pwp:n)' Addlw .hoveur ill adirferenl ~dren if 1 ,ivc the Hule Huldcr. nutiec 01 m)' different address, Any ncllice thai muse be: civen III Lhe NOIC HnhJcr untl~, this Null: will t'C J:iven b)' nu.dlhi: il ,,)' finl lOb,s nwllu Ihc NUIC .....It-k.., a1lhc: addn:u su&aJ in Section "Alahnvc ur II' ;,ollIlCII:II1 okJdrc\..\ il l;un ~ncn I fMlike ul Ih.Jldirrettnl OoJdt..., fOIl UDUAL SAYI'" AJI) tOU ASSOC, ID1 SClITI CECIlCl '1I1U, 'OIl, Of "" differenl place d rr.qulrcd by the NlMC lIolda, 770.45 ,f''' '- _ -&u ~ I."..,. ....10.10 II) 111l,...1111~, LIto; Ihifll'''~fl'I.a.LIIII''k.J~'''''J LI'-iI LlII'I'-''':o' 1'1"'':0" I "I :. '11,1... \Iuhl.UIL' FI\('II M.lIo' SIIIL' ~ ACCOUNT NO: 10005535 MULTISTATE FIXED RATE NOTE. !.oI'g~ "",.'. ,fNUA 'HI ue UNlfOAW'tIIS'AUt.l[N' f.rM UOO II" . "'Ut" .... ......... . ,.., ",:', ..,. .... 1".1"' , t;",/.A Exhibit "B"