HomeMy WebLinkAbout97-01058
6, Said note and said real estate mortgage are in default because Defendant herein have
failed to pay the payments that were due and owing for the months of November 1996 to
February 1997,
7. The Plaintiff has given to the Defendant written notice of intention to foreclose on said
mortgage as required by law under Act 6, dated December 17, 1996, a copy of which is marked
Exhibits liD" and attached hereto and made a part hereofby reference,
8. The Plaintiff has given written notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated December 17, 1996, a copy of which is marked
Exhibits "E" and attached hereto and made a part hereof by reference,
9, By reason of the aforesaid default, the entire principal balance of Fifty Thousand Seven
Hundred Eighty-eight and 15/100 (S50,788, 15) Dollars, with interest thereon at the rate of 8,75
% per annum computed from November 20, 1997, and attorney's fees in the amount of Two
Thousand Four Hundred Eighteen and 48/100 (S2,418.48) Dollars are now due and payable,
10, The Defendant is liable to the Plaintiff for the following on said mortgage loan:
A, Principal amount and interest
due to date S 48,369,67
B, Attorney's Collection fee:
2,418,48
TOTAL
S 50,788.15
RECORDATION REQUESTED BY:
Fllm~'. T,U.I Comp.ny
On. Wul High 51,..1
C.,IIIl., PA 17013
WHEN RECORDED MAIL TO:
FItl11.r. T,ull ComplllY
On. Wul High SI,.el
CIIII.'e, PA 17013
SEND TAX NOTICES TO:
William R, Rhoed.
12 Michaux D"v.
N.wvllle, PA 17241
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'911 tlOlI HAMID 27
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SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY
MORTGAGE
THIS MORTGAGE IS DATED NOVEMBER 3, 1994, between William R. Rhoada, owner(a) In fee almple, who sa
addreaa la 12 Michaux Drive, Newville, PA 17241 (referred to below as "Grantor"); and Farmera Trust Company,
whoae addreaa la One Weat High Street, Carlisle, PA 17013 (referred to below as "Lender").
GRANT OF MORTGAGE. For veluabl. coneld.r.Uon, Grllllor grllll., bargain., ..II., convey., .ulgn., Ir.n.'.r., r.,....., conn,m. .nd
motlgage.lo L.nder all of Granlor's righi, Ulle, and Inlereslln and 10 lhe following described reel properly, logelhe, wllh all exlsllng or subsequenlly
erecled or effixed buildings, Improvemenls end lIx1u,es; all sl,eels, lanes, elleys, passages, and weys; all eesemenls, ,Ighls of way, all liberties,
privileges, lenamenls, heredllamenls, and appurtenances lhe,eunlo belonging or anywise made appurtenanl hereafte" and Ihe revsrslons and
,emalndelS wllh ,especllherelo; all w.'e" waler r1ghls, walercourses .nd dilch rlghls (Including slock In ulllilles wllh dilch or Irrlgallon rtghls); and all
olhe, rlghls, royallles, .nd profils ,elallng 10 Ihe real properly, Including wllhoulllmllallon all minerals, 011, gas, geolhermal and similar mallers,located
In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"):
aee Exhlbll "A" township: Penn
The Real Property or lIa addreaa la commonly known aa 12 Michaux Drive, Newville, PA 1n41.
Granic< presanlly BIsig", 10 Lender all of Grantor's righi, 1I11e, and Inlereslln and 10 all leases ollhe Property end all Rents Itom the P,operly, In
eddillon, Grantor grants 10 Lende, a Uniform Commercial Code securlly Inlereslln Ihe Personal Property and Rents.
OEFINITIONS, The following words shall have lhe following meanings when used In this Mortgage, Terms nol otherwise defined In Ihls Mortgage shall
have Ihe meanings allrlbuled 10 such le,ms In Ihe Uniform Commercial Code, All references 10 dollar amounls shall mean amounls In lawful money of
Ihe Unlled Slates of America,
G'llllor, The word 'Granlor" maans William R, RhOad., The Granlor Islhe mortgagor unde, Ihls Mortgage,
GUl/llllo" 1 he word "Gua,anlor" means end Includes wlthoulllmllallon each end ell of the gua,anlors, surelles, end accommodallon parties In
connecllon wllh Ihe Indebtedness.
Imp,ov.menl.. The wc<d 'mp,ovemenls' mea", end Includes wllhoul IImllallon ell exlsllng and luIu,e Imp,ovemenls, lIxtu,es, buildings,
slruclures, mobile homes affixed on Ihe Real P,operly, facllilles, eddlllons, replacements and olher conslrucllon on Ihe Real P'oparly,
Indebledne... The word 'ndebledness' means all principal and Interesl payable under Ihe Nole and any amounls expended or advar1Clld by
Lender 10 dlscherge obllgallons of G,anlc< or expenses Incutted by Lende, 10 enforce obllgallons of Grentor under Ihls Mortgage, logelher wllh
Inleresl on such amounls as provided In Ihls Mortgage,
Lender, The word 'Lender" means Fermers Trusl Company, lis successors and esslgns, The Lende, Is Ihe mortgagee under Ihls Mortgage,
Motlgaga, The word 'Mortgage' means Ihls Mortgege belween G,enlc< and Lender, and Includes wllhoulllmllallon all asslgnmenls end securlly
Inleresl provisions ,elallng 10 lhe Personal Properly end Renls.
Nole. The word 'Nole' means lhe promissory nole or credil egreemenl daled November 3, 1094, In the original principal amount of
$52,000,00 from Grenlor 10 Lender, logelher wllh all ,enewels of, extensions of, modilicelions of, refinancings of, consolldellons of, end
subslilullons for Ihe promissory nole 0' egreement.
PerlOnel P,operly. The words 'P8/Sonal P'op8tty" mean all aqulpmenl, lIxtures, and olher articles of pelSonal p,operly now or hereafter owned
by Granic<, and now or he'eafter allached 01 affixed 10 Ihe Real Property; logelh8t wilh all accessions, parts, and addlllons 10, all replacemenls 01,
and all subslilullons for, any of such property; and logelhe, wllh all proceeds (Including wilhoulllmllallon all Insurance p'oceeds and refunds of
premiums) from any sale or olhe, dlsposlflon of Ihe Properly,
Properly, The word "P,op8tty" means collecllvely lhe Real p,operty and lhe P8/Sonal Ptoperty,
R.1l Properly. The WOlds "Reel Property" meen Ihe p,op8tty, Inleresls end r1ghls described above In Ihe 'G,enl 01 Mortgage' secllon.
R.,.led Documenl., The WOlds "Ralaled Documenls' mean and Include wllhoul limllallon all promissory noles, Cfedil agreements, loan
agreemenls, envlronmenlel .greemenls, guarenlles, securlly agreemenls, mortgeges, deeds ollrusl, end all other Inslrumenls, agreemenls and
documenls, whethet now or horeane, exlsllng, executed In connecllon with Ihe Indebtedness,
Renl.. The WOld lulute renlo, revenues, Incoma, Issues, royalllao, profils, end olher benafils derived from Ihe
Properly, EXHIBIT
THIS MORTGAGE, IN I
GIVEN TO SECURE
MORTGAGE AND TH
r-;
F RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS
EDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS
MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
'("1 .""
MORTGAGE
(Conllnued)
Page 2
PAYMENT AND PERFORMANCE, Excoplos olherwlse provided In Ihls Mengago, GranlOt shall pay 10 londo, allamounls secured by Ihls MOI1gago
os lhay becomo duo, ond shall slllclly perlOtm all 01 GranlOt's obligallons undO/lhls Morlgago,
POSSESSION AND MAINTENANCE OF THE PROPERTY. GranlOt agrees Ihal GranlOt's pO....slon and use ollhe Proporly shall bo govornad by lhe
lollowlng provisions:
POIMulon and Use, Unlllln delaulI, G,anlOt may remain In POS...slon and conlrol 01 and operalo and mensgo Iho Proporly and collecllho
Ranis kom Ihe P,operly,
Duly 10 Malnlaln, GIInlOt lhal melnlaln lhe P,operty In lenanlable condlllon and promplly perlOlm ell repairs, replacemenls, and malnlenance
neces..ry 10 pre..rve lis velue,
HuatdOua Subllancaa. Tha IllIns 'hazardous wule,' 'hazardous lubslanca,' "dl1posal" 'releu... and 'hteel.nad reles.... u u..d In Ihls
MOI1019., lhall have lha "ma meanings all8l1011h In lha Comprehenslve Envlronmenlal Response, Compan..llon, and lIabl~ly Acl 011980, as
amended, 42 U,S,C, Secllon 9601, el I8q, rCERCLAj, Ihe Superlund Amendmenls and ReaulhOtlzallon Acl of 11l88, Pub, l, No, 99-499
rSARA'),lhe Hazardoul Malerlals T,ansporfallon Acl, 49 U,S,C. Secllon 1801, el seq.,lhe Resou,ce Conservallon and Recovery Acl, 49 U,S.C,
Secllon 6901, ell8q" Ot olher applicable slale Ot Federallawl, rules, Ot regulallons adoplad pursuenllo eny ollhe IOtegolng. The larms
"hezardous wesle' and 'haza,dous subslance" ahell also Include, wllhoulllmllallon, pelroleum and pelroleum by-p,oducls Ot any Iracllon Ihereol
and asbeslos, GranlOt represenls and warranls 10 Lende, Ihel: (e) DUring lhe periOd 01 GrenlOt's owne"hlp ollhe P,operty, lhere has been no
use, generellon, menuleclulI, slOtege, Itealmenl, disposal, llleal8 Ot Ihrealened release oleny hezardous wasle Ot subslence by any pe"on on,
under, Ot aboullhe P,oporly; (b) GranlOt hes no knowladge 01, Ot reason 10 be~eve lhallhere has been, excepl as Pllvlously disclosed 10 and
acknowledged by Lender In wrlllng, (I) any use, genallllon, manulaclulI, slorage, Irealmenl, disposal, release, Ot Ihrealaned releese 01 any
hezardous wasla Ot lubslance by any priOt owners Ot OCCuplnls ollhe P,oporty or (II) ony ecluol Ot Ih,ealenod 1I11g01l0n Ot claims 01 any kind by
any pe"on 'elallng 10 such mell8lS; and (c) Excepl as previously disclosed 10 end acknowladged by lende, In wrlllng, (I) nallher GranlOt nOt any
lenanl, conltaclOt, agenl Ot olher aulhorizad use, 01 Ihe P,operty shea use, genera Ie, manulaclulI, slOte, Iteal, dispose 01, or rolease ony
hazardous wasle Ot subslance on, under, Ot oboullhe P,operly and (II) any luch acllvlly shall be conducled In compliance wllh all appllcsble
lederal, slale, and local laws, regulallons and Otdlnances, Including wllhoulllmllallon Ihose laws, 'egulallons, and Otdlnances described above.
G,anlOt eulhotlzes Lend8t end lis agenls 10 enle, upon lhe P'operly 10 make such Inspections end lesls, al GranlOt's expense, as Londer may
deem approprlalelo dele,mlne compliance of Ihe P,operty wllh Ihls secllon ollha Mortgage, Any Inspecllons Ot 18$1s made by Lend8t shell be for
Lend81's purposes only and shall nol be consltued 10 Cteale any r8$ponslbWly Ot lIabillly on Ihe pari 0llend8t 10 GranlOt Ot 10 any olher po"on,
The represenlallons and warranlles conlalned herein all based on GranlOt's due diligence In Invesllgallng Ihe P'operty lOt haza,dous waslo.
GranlOt hereby (a) releases and waives any luIuII claims agalnsllonder lOt Indomnlly Ot conlrlbullon In lhe ovenl GranlOt becomes llablo lOt
cleonup 0' olher cosls under any such laws, and (b) ag,ees 10 Indomnlfy and hold harmless londer ogalnsl any and all claims, losses, liabilities,
demagos, penallles, ond expon... which Lender moy dl,eclly Ot Indl,eclly suslaln Ot sullor resulllng Irom a breach 01 Ihls &aCtion ollhe MOI1gogo
Ot as a consequence 01 any use, generallon, manulaclure, slOtage, dlsposel, releese OIlhrealened release occurring prlOt 10 GranlOt's owno"hlp
Ot Inlereslln Ihe P,operly, whelhe, Ot nollhe ..me was Ot should have been known 10 Grenlor, The p,ovlslons 01 Ihls seellon ollhe MOI1goge,
Including Ihe obllgallon 10 Indemnify, shall survive Ihe paymenl ollhe Indebledness end Ihe ..lIslacllon end ,econveyance ollhe lien ollhls
Mortgage end shall nol be ellecled by Lender's ecqulslllon oleny Inlereslln Ihe P,operty, wholhor by loreclosure Ot olherwlse,
Nulllnc., Waal., G,anlOt shall nol cause, conducl Ot permll any nulsence nOt commll, permll, Ot suller eny Slrlpplng 01 Ot wesle on 0110 Ihe
P'oporly Ot eny portion ollhe P'operty, WllhoUlllmlllng lhe generellfy ollhe loregolng, GrenlOt will nol IImove, Ot gllnllo any olhor parly Ihe
rlghllo IImove, eny limber, minerals (InclUding 011 end gas), soli, gravel Ot ,ock producls wilhoullhe prtOt wrlllen consenl 01 Lender,
R.moval ollmprov.m.nla. Gl8nlOt shall nol demolish Ot remove eny Improvements Irom lhe Reel Properly wllhoullhe prtOt wrtllen consenl 01
Lendo" As a condlllon 10 lhe I8moval oleny Improvemenls, lender mey require Granlo, 10 make errengemenls ..lIslaclory 10 Lende, 10 replaco
such Improvemonls wllh Improvemenls olel Ioesl equal velue,
Lende,'. RighI 10 Enler. Lender and lis egenls end I8presenlallves may enlll upon Ihe Reel P,operly al elll8asoneble limes 10 ellend 10
lende~s Inler8$1s end 10 Inspecllhe P,operly for purposes 01 GranlOt's compliance with Ihe lerms end condlllons ollhls Mortgage,
Compliance Wllh Gov.rnm.nl.. Requlr.menl.. GrenlOt shall prompay Comply wllh all laws, ordinances, end regulallons, now Ot hllee"o, In
ollecl, 01 ell govemmenlal eulhOl1l1es appllcablo 10 Ihe use Ot occupancy 01 Ihe Proporty, Grenlor may conleslln good fallh any such law,
o,dlnenco, Ot regulellon end wllhhold compllence during eny proceeding, InclUding epproprlale appeals, so long es GrenlOt has nollfiod lender In
wrlllng prlOt 10 doing so and so long as, In lender's sole opinion, Lende,'s Inleresls In Ihe P,operly are nol Jeopardized, lendor mey require
G,anlOt 10 posl edequele securily Ot e surely bond reesonebly sellsleclory 10 Lendor, 10 prolecllender's Inlllesl.
Duly 10 P,olect. GranlOl ogrees na!lhll 10 ebendon nOt leeve unallended lhe Properly, GranlOt shall do ell olher acls, In eddillon 10 Ihose ecls
sel fOl1h eboveln Ihls &aCllon, which Irom Ihe characler end use ollhe Properly are reasonably necossary 10 proleclend preservelhe P'operty,
DUE ON SAlE - CONSENT BY LENDER, Lender may, ellls opllon, declal8lmmedlalely due end payeble ell sums secured by Ihls Mengage upon Ihe
sale Ot lrensler, wllhoullhe Lendet's prlOt wrlllen Consenl, 01 ell Ot eny part ollhe Real Properly, Ot eny Inlerest In Ihe Reel Property, A "sale Ot
Itensler" means lhe conveyance 01 Reel P,operly Ot eny righi, IIl1e Ot Inloresllhereln; whelhe, legal, beneficial Ot equllabla; whelher volunlary 01
Involunlary; whelhe, by oulrlghl ..la, deed, Inslallmenl sele conltecl, land conlracl, conlracllOt deed, leasehold Inlllesl wllh e 111m greelll lhen Ih,oe
(3) yeelS, lease-opllon conltecl, Ot by ..10, asslgnmenl, Ot Itensler oleny benancJalInlereslIn Ot 10 eny land Itusl holding U11e 10 lhe Roel Ptoperly, Ot
by any olher melhod 01 conveyance 01 Real Properly Inl8lesl. II eny G,anlOt Is e cOtpOtallon, parlnelShlp OIlImlled lIablllly compeny, Itansler elso
Includes eny change In own....hlp 01 mOte lhen !wenly-five percenl (25'110) ollhe vollng slock, parlnelShlp Inleresls 0' IImlled llablllly company Inlaresls,
as Ihe cese may be, 0' GranlOl, Howeve" Ihls opllon shan nol be exercised by lender II such exercise Is prohlbllod by lederellaw Ot by PennSylvanle
law,
TAXES AND LIENS. The following p,ovlslons relellng 10 lhe Iaxes end liens on lhe Ptoperly ere e pari of Ihls Mortgaoe,
Peymanl. Gl8nlOt shell pay when due (and In ell events priOt 10 delinquency) an Iaxes, payrolllaxes, speclallaxes, assessmenls, wale, charges
end sewer service charges levied egalnsl Ot on accounl ollhe P,operty, end shell pay when due all claims fOt wort< dona on Ot lor services
rendered Ot malerlal furnished 10 Ihe Properly, Gl8nlOt shall malnlaln the P,operly lree 01 elllllns hevlng prlOl1ly over Ot equello Ihe Inleresl 01
lender under Ihts Mengage, excepl fOt lhe lien ollaxes and "...smenls nol due, end excepl as olherwlse provided In Ihe follOWing palagraph,
Righi To ConI.... GranlOt mey wllhhold paymenl 01 any lax, assessmenl, Ot claim In connecllon wllh a good fallh dlspule over Ihe obUgallon 10
pay, so long as lende~s Inlereslln Iho Ptoperty Is nol jeopardized. If a lien erlses Ot Is IIIed as e ,osull 01 nonpeymonl, Grentor shall wllhln fifteen
(15) deys e"8I lhe lien ert... Ot,II a lien Is filed, wllhln filleen (15) deys efter GranlOt has nollce ollhe filing, secure Ihe dlsche,ge 01 Ihe lien, or If
requesled by Lende" deposll wllh Lender cash Ot e sufflCienl cOlpOtate SUl8ly bond or olho, securlly sellslaclory 10 Lender In en emounl sulflclenl
10 dlscherge Ihe lien plus eny costs end ellOtnays' fees Ot olhe, charges lhal could eccrue as e resull 0' e IOteclosul8 Ot sale undor Ihe lion. In
any conlesl, G,antOl shell delond llselland lender end shell sallsfy eny advelSejudgmenl belOle onlorcementegalnsllhe P,operty, GranlOt shall
nemelonder es en addillonal obligee undor eny surely bond lurnlshad In Ihe conlosl prOCeodIRgs,
Evldenc. 01 Peyment. GronlOl shall upon demand furnish 10 londor sallslaclory ovldence 01 paymonl ollhe laxes or essessmonls and sholl
authorlzo IhA nnnrnnrblf\ nr'l"f'lln""-"I." ._II.~; I' " " .
MORTGAGE
(Continued)
Pege 3
Properly,
Nollel 01 eonallUellon, GrenlOt IhaN nollly Llndel IIINII nnlln (15) do\'l bllOtI Iny worll Is commenced, Iny IIrvIcn III lu'nlshad, Ot Iny
malerlall Ire lupplled 10 lhe ProPI~y, If Iny mochlnlc'lllIn, I11IlorIIlmen'llIen, Ot olhor lion could bo IIIO~od on Iccounl ollhe Worll,lIMco.,
Ot mllerlall Ind lhe cosl oxceeds 15,000.00, GrlnlOt will upon roqUlI1 01 Londer lurnish 10 londe, Idvlnco ISsuroncos sollsllclary 10 llndor
lhal GronlOt cln Ind will PlY Iho cosl olluch Improvemenll,
PROPERTY DAMAGE INSURANCE, The loIIowlng provtslons rllaUng 10 Insuring lhe Propor1y "0 I pl~ 01 lhis MOI1gllll,
Mllnll_ ollnlllllnCl. GrlnlOt IhaII P'OCurl Ind melnlaln pollclls 01 IItI InlUtlncl wllh llandord Ixllndld COV1l(lge IndOl1lmenls on I
replecemenl bills 10' Ihe lullnsUtlble VIIUI covortng IU Improvemenls on Ihe Rell Propor1y In In Imounllutllcllnl10 IvoId Ippllc&Uon 01 Iny
colnsurence clause, Ind wllh Illendlrd mot1gegee clause In IIVOt 01 Lendel, Policies shaU be wrlllen by such Insurence complnles Ind In SUCh
IOtm IS mey bo ,easonably Iccopleble 10 Lender, GrlnlOt lhall dlllve, 10 lende, cerllflClles 01 COvorlge Irom elch Insure, cOnlelnlng I
sllpulellon lhal COVlllge will nol be cancelled Ot diminished wllhoul I minimum 01 len (10) dl\'l' pilOt wrlllen I;OUce 10 Lendel Ind nol conlslnlng
eny disclaimer ollhe InsUterlllablll1y lOt IIUUtI 10 give such noUce, Elch Insurence policy Ilso shell Include In endOl1lmlnl prOviding Ihll
coverege In llVOI 01 Llndll wII nol be Implked In Iny wlY by Iny Icl, omission Ot dellull 01 GrenlOt Ot Iny olher petlon, Should lhe Roal
Property II Iny Ume bscome localed In In Ilea dlSlgnaled by lhe DksclOt ollhe Federel Emerglncy Mlnalllmenl Agency II I Ipeclel nood
hau,d Ilea. GrlnlOt IgrllS 10 obleln Ind malnleln Fedetll Flood InlUllnce, 10 Ihe exlenl such Insurence II ,equlrod by Linder Ind Is 0'
bscomes lvellable, lOt lhe 111m ollhe loen Ind lOt lhe lull unplld pllnclpll bllance ollhe lOin, or Ihl mllClmum IImll 01 coveroge lhalls Ivallable,
whlcheve, I. less.
Appllclllon 01 Proceed.. GtlnlOt shea p,omplly noUIy Lendel 01 Iny loss Ot domage 10 Ihe Property II lhe ..lImalod cosl 01 repllt Ot
replacemenl exclld. 1500.00, Linde, mey make p,ool 0' loss If GrenlOt IIU. 10 do 10 wllhin filleen (15) do\'l ollhe casually, Whelher Ot nol
Lende(s securlly Is Impllred, LendOt may, II lis elecllon, IPPIy lhe proceeds 10 lhe roducllon ollhe Indebledness, peymenl 01 Iny lien ellscUng
lhe P'operty, Ot lhe reslOtIUon Ind repII, ollhe P'ope~y, If Lender elecls 10 Ipply Iho proceeds 10 reslOtlllon Ind ,epol" GronlOt ~hall ,opelt Ot
replaco Iho domaged Ot de.iloyed Imp,ovemenls In I mannor sollsllclary 10 londe" lender shall, upon sollsllclary prool 01 .uch oxpendilure,
pay Ot relmbU/S8 GranlOt Itom lhe proceeds lOt lhe reasonable cosl 01 rapal, Ot raslOtallon If GranlOt Is nolln delaull hereunde" Any proceeds
which have nol been dlsbuIWd wllhin 180 days aile, lhel, rscelpl and which lende, has nol commllfed 10 lhe ,opail Ot ,0slOteUon ollhe Propelly
shall bo used fltsllo pay any Imounl owing 10 lende, undo, lhi. MOI1gago, Ihon 10 prepay eccrued Inlerlll, Ind lhe remainder, II Iny, shall be
epplied 10 lhe prlnclpal bllance o/Ihe Indebledness, If lendot hold. eny proceed. aller plymenlln /ull ollhe Indeblednes., such proceed. shall
be plld 10 GrenlOt,
Unexpired Inlll,encI II Sale, Any u"""plted InsUllnce shalllnUlo 10 lhe benefil 01, end PISS 10, lhe PUIChuet ollhe Property coW/ed by Ihl.
MOI1gage ellny Iruslee'. sole Ot olhe, solo hold undor lhe provislons 01 Ihls MOI1gago, Ot alony IOtsclosuro salo 01 such P,opo~y,
EXPENDITURES BY LENDER, If G,onlOt lalls 10 comply wllh ony provlslon ollhls MOI1gago, Ot If ony Icllon Ot P,oceedlng II commenced lhal would
malorlally ollscllondets Inlo,"1s In lhe Proporty, londe, on GronlOt's bohalf may, bul .holl nol bo ,oqulred 10, leko ony ocllon lhallende, dooms
oPp'opnslo, Any omounllhallonder oxpond. In so doing WIll boa, Inlorlll lllhe '010 chargod undo, Iho Nolo Itom lha dolo Inculled Ot paid by
londer 10 Iho dolo 01 ,oplymenl by GtlnlOt, All such o"Ponses, II Lond.,.s opllon, will (0) bo payable on demend, (b) bllddod 10 lhe bllanco ollho
Nolo ond bo IPPor1Jonod Imong Ind be plyeble wllh any InsleUmenl plymenls 10 bscome due durlng e1lhe, (I) lhe 181m 01 Iny eppllcable Insurence
policy Ot (II) lhe remaining lerm 01 the Nole, Ot (c) be IIealed as a balloon paymenl which will be due and plyable lllhe Nole's malurlly, This
MOI1glg1 Ilso wW secu,e plymenl ollhese amounls, The rlghls p,ovided lOt In Ihls paregraph shill boln IddiUon 10 Iny olher rlghls Ot Iny remedies
10 which londer may bo onlilled on oceounl ollhe delault. Any such eclion by lender shall nol be conslrued as curlng lhe delaull so as 10 bar lendor
I,om eny ,emedy lhelll olherwise would heve had,
WARRANTY; DefENSE OF TITLE. The loIIowlng prov!sJons ,eleUng 10 ownership ollhe Property a,e a pa~ ollhll MOI1gage.
Tllla, G'anlOt wallonts lhal: (a) G,anlOt holds gOOd and markelable UIIe 01 rscOtd 10 the P'oporty In lee simple, ~ee ond cIea, 01 II liens and
encumb,ances olher lhan Ihose sel lOI1h In Ihe Real Property descriplion 0< In eny IIIIe Insurance policy, 1II1e 'apOl1, Ot "nat IIIIe opinion Issued in
levOt 01, and occopled by, Lender In connecllon wllh Ihls MOI1gage, and (b) GranlOt hes Ihe lull righi, powe" and aulhOl1Iy 10 exocule end deliver
this MOI1gago to LendOt,
Delan.. 01 Tllla. Sublecllo lhe IlllCIpUon In lhe pa,agtaph above, G,anlOt warranls and will IOtever dofend the IlUe 10 lhe Property agalnstlhe
Iawlul claims 01 aU peBons, In the event any eclion Ot p,oceoding Is commenced Ihal quesllons GranlOt's IIl1e Ot lhe Inle,"1 01 lender under Ihis
Mortgage, GranlOt shall delend lhe aclion at G,anlOt's expense, G,anlo< may be the nominal party In such proceeding, bullendOt shall be
entilled 10 partlclpale In lhe proceeding and 10 be 'apresenled in lhe proceeding by counsel ollende(s own cholce, end G,anlOt wlli doliver, Ot
cause 10 be dellve,ed, 10 lende, such inslrumenls as lende, may ,equlltlrom lime 10 lime 10 permll such parllclpallon,
Compliance With LlIw.. Granlo< wOllenls thet lhe P,operty and GronlOt's use 01 Ihe Properly complies wllh III oldsllng applicable laws,
OtdinanclI, and ,egulalions 01 govOtnmenlet aulhOtllill,
CONDEMNATION, The loIIowlng provlslons ,elaUng 10 condemnalion ollhe Property are a pa~ ollhls MOI1gage.
Application 01 Nel Proceedl. II all Ot Iny po~ ollhe Propor1y II condemned by eminent domeln proceedings 0< by any P,oceedlng Ot pUtchase
In lieu 01 condemnalion, lender may allls elecllon require lhel oil Ot any por1Jon 01 Ihe nel proceeds 01 the owa,d blopplled 10 Ihe Indeblodness
Ot lhe ,opal, or ,eslOtallon ollhe Property, The nel P,oceods ollhe award shaa mean the award aner paymenl 01 ell eclual cosls, expenses, and
allOtnoys'lees Inculled by londer In connscllon wllh lhe condemnalion,
Ploceedlnlll. II any proceeding In condemnalion Is filed, Gllnlo< shaa p,ompUy noUIy londOt In willing, Ind GranlOt shaa p,ompliy lake such
steps as may bI necossory 10 dolond the ocUon ond obtain lhe award. G,onlOt may be Ihe nomlnsl party In such proceeding, bullendo, shall be
enmled 10 partlcipale In lhe proceeding Ind 10 be roprewnted In lhe P,oceedlng by counsel ollis own choice, and GtanlOt will dellve, Ot cause 10
be delivered 10 lender such Ins!rumenls as may bI requesled by II ~om lime 10 time 10 permllsuch pa~lcIpallon.
IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAl AUTHORITIES, The lollowlng provlslons relaling 10 gOV1l(nmentellaxll, lees
ond cho,ges a,e 0 pa~ ollhls MOI1gage:
CUllenl Texl" Feea llI1d Chargea. Upon ,equesl by lendor, G,anlo< shal exscuto such documenls In oddlllon to IhIs MOI104ge ond Ieke
whateVSt olher acllon Is ,oquesled by lendOt to pe~sct and eonUnue lende(s lien on lhe Real Prope~y, G,anlOt shall ,oImbU/S8 lender 101 all
IexlI, os dlSCtlbed below, logelher wllh oil expenses IncUtred In 'SCOtdlng, portocUng Ot conllnulng Ihls MOI1gage, Including wilhoutllmllallon ell
lexes, lees, documenlery slemps, end othOt charges lOt rscOtdlng Ot reglslellng Ihis Morlgage,
Texee. The loIIowlng shan conslllulo laxes 10 which Ihls secUon oppllos: (a) a Ip8Clfic lax upon this type 01 MOI104go Ot upon IU Ot Iny pa~ 01
lhe Indebledness secured by Ihls MOI1goge; (b) a speclllc lax on GranlOt which Granlor Is authortzed Ot required 10 deducl ~om payments on Ihe
Indebledness secured by Ihls Iype 01 MOI1gage; (c) a lax on Ihis Iype 01 Mortgage chargeablo egelnsllhe LendOt Ot Ihe holde, ollhe Nole; and
(d) a specifIC lax on all 0' any porlion ollha Indebledness Ot on paymenls 01 pllnclpal end inleresl mede by GranlOt.
SUbsequenl Taxes. II any lax 10 which this sechan applies IS enocled SIlb5AollPnlln lhn r1:'lln nllhl<; Mnr!nllnll Ihlll: "'''Ant "h'\lI ...""" ,..." ..""...'"
MORTGAGE
(Conllnued)
Pege 4
.lIecl.. .n Evenl 01 O"aull (.s dehned below), .nd L.ndet may .xerclse .ny 01 .11 ollis .vallable remedies fOl .n Evenl 01 Defaull as provided
below unless GranlOl .lIher (.) pays lhe lex belore II becomes dellnquenl, 01 (b) conlesls Ihe lex as provided above In the Taxes and Liens
secllon and deposlls wllh L.nder cash 01 a sufflclent cOlporale su,.ly bond 01 olhe, securily salislectory 10 L.nder,
SECURITY AGREEMENT; FINANCING STATEMENTS, The following provisions relallng 10 this Morlgag..s. securily .greemenl.re. part ollhls
Mortgag.,
8ecurtly Agreemenl. This lnattumenl shall conslllul. . securlly .g,eement 10 the .xt.nl any of lhe Property conslilules lIxtures 01 olher personal
prop.rty, and L.nde, lhell have all 01 the rights of a secured perty undet Ih. Unllorm Commercial Code as am.nd.d Irom 11m. 10 lime,
8ecurlly Inl.,..., Upon Ilqueal by L.nde<, Gr.nto< lhall execul. nnanclng llalamenll and Iak. whal."", olhe< .cllon Ia 'lqueat.d by L.nder 10
perfeel and conllnue L.nder'1 lecurtly Inlereslln the Renla and P.rsonal Ptop.rty, In .ddlllon 10 recOldlng this Mortgage In Ih. real prop.rty
recOlds, L.nder may, al .ny 11m. and wllhoul lurthe< aulhOllzallon hom GrenlOl, file .xecuted counlerpartl, copies 0' rep,oducllons 01 this
Mortgege .. a nnanclng Italemenl. GranlOl lhall reimburse Lend", 101 al .xpenses Incurred In perfecllng 01 conllnulng this securlly Inleresl.
Upon delaulI, Gt.nlOllhall .Isemble lhe P.rsonal Prop",1y In a mannet and al. plac. re.sonably convenlenllo GranlOl and L.nder and make II
av.llable 10 L.ndet wllhln ""18 (3) d.ys all., recelpl Of wrlilen demand hom L.nde"
Addr...... The mailing .dd/..... of G,.nIOl (debIOl) .nd L.nde< (secured p.rty), hom which InlOlmallon conc<<n1ng lhe aacurily Inlerest
gr.nl.d by IhIs Mortgag. may be oblain.d (each .s ,equlred by Ih. UnlfOlm Commercial Code), ere .. slaled on lhe first page ollhls Mortgag.,
FURTHER ASSURANCES; AnORNEY-IN-FACT. The 100Iowlng provisions relallng 10 lurlher ..sur.nces .nd .1I00ney-ln-lact .,. . p.rt 01 Ihis
Mortgag.,
FUllh" Auu,anc... At any lime, .nd hom lime 10 lime, upon requesl 01 L.nder, GranlOl will mak., .xecut. .nd dellVl/, 01 will ceuse to b.
made, execuled 01 delivered, 10 L.ndll 01 10 L.nde,'s designee, end wh.n requesled by L.ndll, ceuso to be fil.d, recOlded, remed, 01
re,ecOlded, .s lhe cese may b., al such limes and In such offICII and plac.s as L.nder may deem approprlal., any and allluch mortgages,
deeds olllust, aacurily deeds, security agreemenls, finenclng stalemenls, conllnuallon slalements, Insttumenls 01 further ."u'.nce, certillcales,
.nd olhe< documenls .s may, In lhe sol. opinion 01 L.ndll. b. nec.SSlry 01 desirable In OIde, to ellectusl., complet., p.rfecl, conllnue, or
preserve (a) Ih. obllgallons 01 G,anlOl unde, the Nol., this Mortgage, end lhe Relaled Oocum.nla, end (b) the liens .nd security Inleresls
CI.eled by Ihls Mortgage .s firsl and priOl Uens on the Property, whelher now owned 01 hereelfll acquired by GrenlOl, Unless prohlblled by law
01 egreed 10 lhe contrary by Lender In wrtllng, G,anlOl shall ,elmbu",e Lende, 101 ell costs and expenses Incurred In conneclfon wilh Ihe malfers
,elerr.d 10 in Ihls pa,agraph,
Allomey-In-Fect, If G,anlor falls 10 do any of the Ihlngs relllled to In lhe preceding parag,aph, Lend", may do so 101 and In lhe name 01
GranlOl and at G,antor's expense, FOI such purposes, G,anlOl he,eby It,evocably appolnls Lender as GranlOl's aIfOlney-ln-lacl IOIlhe purpose
01 making, .xeeuling, delivering, filing, ,ecOldlng, and doing all olher Ihlngs as may be necessary 01 desirable, In Lende,'s sol. opinion, 10
accomplish the mailers ,el.rred 10 In Ihe preceding paragraph,
FULL PERFORMANCE, If GrantOl P.YS all Ihe Indebledness when due, and otherwise perfOlms alllh. obllgallona Imposed upon GranlOl unde, Ihls
Morigage, Lende, shall exocule and dellve, 10 GranlOl a sullabla S1l1slacllon ollhls Morlgage end suilable slalemanls olle,mlnallon 01 any financing
slalemenl on file evidencing Lende,'s securily Inlereslln lha Renls end the Personel P,operty, Grenlor will pey, If permllled by eppllcable law, any
reasonable lermlnallon lee.. determined by Lende, Hom lime 10 lime.
OEFAll.T. Each oflhe following, allhe opllon 01 Lendll, shall conslllule an evenl of defaulf ("Evenl 0' Oelaull") unde, Ihls Mortgage:
Delaull on Ind.bledn.... Failure 01 G,anlOllo make .ny paymenl when due on Ihe Indebledness,
Delault on Olhe, paym.ntl. Fallur. 01 GrantOl wllhln lhe lime requl,ed by IhIs MOItgege 10 make any paymenl fOllaxes 01 Insurance, 01 .ny
olher paymenl necesSlry 10 p,event filing of 01 to ellecl discharge 01 any lien.
Complfanca Delaull. Failure 10 comply wllh .ny other te,m, obllgallon, covenant 01 condillon conlalned In this Mortgage, Ihe Nole Olin any ollhe
Relaled Oocumenls,
False Slal.m.nls. Any werranty, rep,esenlallon 01 slatement made 01 'u,"lsh.d 10 L.nder by 01 on behalf 01 G,anlOl under Ihls Mortgage, Ihe
Note OIlhe Relaled Oocumenls Is lalse or misleading In any malerlal respecl, ellhe, now or el the time made or lurnlshed.
Dealh or Insolvency, The deelh 01 GranlOl, Ihe Insolvency 01 GranlOl, lhe eppolnlmenl 01 a ,ecelvlI fOl any pert 01 G,anlor's property, any
esslgnmenl IOIlhe benefit of c,edilors, eny type of c,edilor wOrkoul, or the commencemenl 01 eny proceeding unde, eny benkruptcy 01 Insolvency
laws by 01 egalnsl G'enlOl,
Foreclosure, Foll.llu,e, etc. Commencemenl 01 fOleclosu,e Of lorfellure proceedings, whelhe, by Judicial P,oceedlng, soli-help, repossession 01
eny olher melhod, by any credilOl 01 Grento, 01 by any governmenlal agency agalnsl any ollhe P,operty, However, Ihls 6ubsecllon shall not epply
In the evenl 01 a good lallh dlspule by G,anlOl es 10 Ihe valldlly 01 ,easonableness ollhe claim which Is the basis 01 the 100eclosu,e 01 forelellure
proceeding, p,ovlded thai G,anlOl gives Lender wrillen nollce 01 such claim end furnishes 'eserves or a surety bond 101 the claim satislaclory 10
Lender,
B,aech 01 Olhar Agreement, Any breach by G,antOl under lhe lerms 01 any olher ag,eemenl between G,enlOl and Lende, thalla not "medled
wllhln any grece period p,ovlded the,eln,lncluding wllhout limitation any egreemenl concerning any Indebledness or olher obllgallon of GrentOllo
Lender, whelher .xJsllng now OIlale"
Evenll A"ecllng GUB/antO(, Any of lhe preceding evenls occurs wllh ,espect 10 eny GuaranlOl 01 any 01 the Indebtedness 01 such Guarenlor
dies 01 becomes Incompel.nl,
RIGHTS AIIO REMEDIES ON DEFAll.T. Upon lhe occurrence 0' any Event 0' Oefaullend al.ny lime Ihereaner, Lendll, allls opllon, may.xerclse
anyone 01 mOle ollhe following rlghls and ,emedies,ln eddillon 10 eny olhe, rlghls 01 ,emedles provld.d by law:
Accelerale Ind.btedn..., Subjecl 10 applicable law, Lender shan have the ,Ighl el i1s option wilhoul notice to GrantOl 10 declare Ihe entire
Indebledness Immedielely due and payable,
UCC Remedle., Wllh 'aspect to an 01 any p.rt ollhe Personal Ptoperty, L.nder shan have all the tights and ,emedles of a secured party under
Ihe UnllOlm Comme,clal Code,
Collect Renll, Lendot shall heve the tlghl, wllhout notlca 10 G,.nlor, to Iaka possesSion 01 the P,operty and collectlh. Renls, Including amounts
past due and unpaid, and apply Ihe net proceeds, over end ebove Lender's cosls, against Ihe Indebtedness, In furthe,ance ollhls righi, Lender
may require eny tenanl 01 othe, use, ollha Property 10 make paymenls 01 ,enl 01 use fees d"eclly 10 Lender, If Ihe Renls e,e collecled by Lender,
Ihen GrenlOl Irrevocably deslgnales Lende, as GrenlOl'S allorney-In-Iect 10 endorse Inslrumenls rec.ived In peym.nl Ihereol In the name 01
G,anlOl and to nogollele Ihe same and collecllhe proceeds. Paymenls by tenanls or olher users 10 Lender In response 10 Lender's demend shall
satisfy the obltgalions lor which tho payments 8ra made, whethor or nol any proper grounds lor the demand existod. lender may exorcise ils
rights under this subparagraph eilhor In person, by Dnanl. or IhrouOh 8 receivOl
MORTGAGE
(Conllnued)
Pege 5
Appolnl Rec'lv.r. Ltndtr ahaN ha....lhe rlghllo ha..... rlCllvl< .ppolnltd 10 Iak. pos..aslon ol.U ot .ny p.rt ollhe Ptoptr1y. Wllh the POWI< 10
p,olecl and praHMllha Proparty. 10 oparel. the Proptr1y prec.dlng loteclosUt. ot lila, .nd 10 collecllha R.nla ~om the Ptopttty .nd apply Iha
procllda, OVII .nd .bo.... Ih. cosl 01 the 'ICIlv..-hlp, .galnsl the Ind.bl.dna.., Th. receive, may IIIVtI wllhoul bond II pl<m1l1ad by law,
lenWa rlghllo the .ppolnlllllnl 01 . rlCllVII ah.U aldst whelher ot nol the app..enl volue of Iho Proporty O'Cllds lha Indeblodnaas by a
aubslonll.l.mounl. Employment by Lende, ahoU not dlsqu.llfy. pOllon Irom serving es. receiver,
Judlelal ForeclolU'., l.ndtr may oblaln . Judlclal dtctll'otlCloslng GrentOt'a InlOl8$lln .11 ot .ny p.rt 01 the P,optr1y.
NonjUdlellllllle, II petmlll.d by .ppllcable lew, l.ndtr may lotlClose GrenlOt'a Inlereslln oil ot In ony part ollhe POIsonal Prop.rty ot the Rial
P,operty by nonjudicial lIle,
Dlftcl.ncy Judgm.nt, Ltndtr may oblaln . JUdgllllnl'ot .ny dellclency r.malnlng In Ihe Indebtedness due IJ lende, .nOl .pplle.Uon 01 all
emounls ,ocolved Irom the e.ercl$o ollhe rights provided In this aection,
Tenancy al SUllerlllCl, II Gt.ntOt ,emalns In possession ollhe P'oporly .nOl the P'opOtty Is aold 81 p,ovlded aboYll Ot lendtr olhetwlso
becomes entilled 10 possession of the Property upon del.ull of Gr.nlOt, GrenlOt ahell become. lenanl.t sunerence 01 lande, ot Ihe pUtchaser 01
lhe P,opor1y .nd shaU, .llanWa opllon, ellhe, (.) P'Y' ,ellonable IInl.1 fOl the use ollhe P,operty, 01 (b) v.cele the Properly Immedlalaly
upon the demand 01 Lende,.
Olher Remedl.., landtr ahaN ha.... .U other rlghls .nd relllldles p,ovlded In Ihls Mor1gage 01 tha Nota ot .v.llable .1 law ot In eqully.
Sale ollhe P,oporty. To the extenl pOlmllled by .ppllcable law, G,anlot hoteby w.lves .ny .nd .11 rlghllo have the p,operly ma.-halled, In
e.erclslng lis ,Ights and llmedles, lende, ahaN ba froo 10 &ell .11 ot .ny p.rt ollhe P,operly logelh81 or sep,"laly, In ona sale 0' by sep..alo
SlleS. londOt ahall bo anUlled 10 bid 'I.ny public sale on .U ot .ny por1lon of Ihe P,operly.
Nollee 01 Sale, LendOt ahall give Gt.nlot reasonable nolice 01 the time .nd placo ol.ny public sale ollhe POBOnal Ptoper1y ot 01 the lime ane,
which .ny prlv.te sale ot olhOl Inlondod dISposition of the Pe.-onal Property Is 10 be m.de, Unless olherwlse ,equlred by eppllc.ble law,
rellonable notice shaU mean nollee given .lle.st len (10) doys belOle the lime 01 the sale or dlsposllion.
Wllver; EJecllon 01 Remed..., A waive, by .ny p.rty 01 . b,each 01 . p,ovlslon ollhls Mor1g.ge shaU not conslllule . w.1ver 01 ot p,eJudlce the
patly's rights olhorwlso 10 dem.nd slrlct compliance wllh lhat p,ovlslon ot eny olher provision, Elecllon by lender 10 pursue eny remedy shaU not
e.clude pursull of .ny olhe, ,emedy, .nd .n elecllon 10 make e.pendllures or take .cllon 10 perfOlm .n obllg.llon 01 Grentor under this Mor1gage
.ne, lallu,e 01 Gr.ntor 10 perform shall not anect lendOl's right 10 decla,e . del.ullend e.e,cisells remedies under this Mor1gege,
Allorney.' FH'; Expon.... II Lendtr InsUlules any SUII or ecllon to enfotco .ny 01 the terms 01 this Mor1gage, Lende, shell be entilled 10 ,ecovor
such sum .s Ihe court may .dJudge I8110nable .s .lIorneys' 1_ .1 trial .nd on .ny .ppeel. Whelhe, ot not .ny court .ction IS Involved, ell
reasonable expensn Incurred by Lende, Ih.t In lende,'s opinion ate necessary .1 eny lime lor Ihe prolection ollis Interesl ot the enforcoment 01
Its rlghls shall become. p.rI 01 the Indebledness p.y.ble on demand .nd shan boa, Inlerest Irom Ihe date 01 e""endllure unlU ,ep.ld ., the Nole
rele, E.penses covered by this pat.greph Include, wllhoul Umll.llon, howeve, subject 10 .ny IImlls unde, .ppllcable law, Lende,'s .lIotneys' loos
and Lenda,'s lagsl e'panses whether or nollhere Is a IawsulI, Including allo,nays' loos lor bankruptcy procoodlngs (Including enor1s 10 modify 01
vacole any aulomallc slay or InJunction), appeals and .ny anllclpalod posl-Judgment collect,on satvlcos, Ihe cosl 01 searchIng recOlds, oblelnlng
hlle ,eports (Including loreclosure ,epor1s), sUlYeyors' repor1s, .nd appraisal ,_, end tllle Insu,.nce, 10 Ihe extenl permllled by .ppllcable law,
Granlor also will pey eny court costs,ln eddition to all olhe, sums p,ovlded by law,
NOTICES TO GRANTOR AND OTHER PARTIES. Unless olherwlse p,ovldod by applicable law, any nollce under Ihls Mor1gage shall be In wrlllng end
shell be enecUve when .ctually dellVOted, or when daposiled Wllh . nallonally ,ecognized ovemlghl courla" or, II mailed, shell be doomed eneetive
when deposlled In Ihe Unlled Slales mall fitSl class, ,eglslered mall, poslage prepaid, dlreeled 10 Ihe addresses shown near Ihe beginning 01 this
Mor1gage. Any party may chenge lis address lor nollees under Ihls Mor1gage by giving lormal wrillen nollce 10 lhe olher parties, speellytng lhat Ihe
pu,pose 01 Ihe nollce Is 10 chenge the parly's address, All copies 01 notices 01 foreelosure Irom Ihe holde, 01 any lien which has prlorlly ove, Ihls
Mor1gage shall be sonl 10 Lende,'s addr8$S, as shown near the beginning ollhls Mor1gage. For nollee purposes, Gtanlor agroos 10 koop lende,
Inlormed al all limes 01 Gl8ntOt's currenl add,ess.
MISCEllANEOUS PROVISIONS. The folloWing miscellaneous provisions ate a part 01 this Morlgage:
Amendmenl.. This Mor1gage, logelher Wllh .ny Rolalad Documents, constilules Ihe enlire undarslandlng and agroomanl 0' the p.rfJes as to lhe
malletS sollor1h In Ihls Mor1gage, No alletation of ()( amendmenllo Ihls Mor1gage shall ba eflecflve unless given In writing end signed by Iha
party or parIJes soughllo be charged or bound by Ihe allarallon 0' amendmenl.
Applicable Law. Thl. Mortgage has been delivered 10 Lender and accepled by Lender In the Commonweallh 01 PennlVlvlnll, Thla
Mortgage aIlII. be governed by and construed In acco,dance wllh the IlIWS ollhe Commonweallh 01 Pennsylvania.
Capllon Headlngl, Capllon headings In Ihls Mor1gage are for convenience PUrpOSlS only and are nol 10 be used 10 Intarp,el 01 define lhe
provisions of this Mot1gage,
Ma,ger. Thote sh.U be no morgOl 01 the Inter8$1 Of 8$lale created by Ihls Mor1gage Wllh .ny olhe, InlOlesl or 8$lale In the Ptoperty sl .ny time
held by ot for the benefit ollendar In any copaclly, Wllhoul the wrlllen conaanl 01 Lende"
Sevllablllly. II I court 01 compelant lurlsdlcllon finds .ny p,ovlslon 01 this Mor1gage 10 be Inv.lld Of unenlotcoablo as 10 .ny pOllon ot
circumstance, such finding shell nol rende, thel provision Invalid or unenlorceable as 10 any olher persons or cl,cumslanc8$, II le.slble, any such
ollendlng provisIon shall be doomed 10 be modified to be wllhln the IImlls olenlorceablllly 0' valldlly: however, IIlhe onending provision cannol be
so modified, II shell be shlcken and all olher provisions 01 this Mot1gageln all olhe, respeels shall remain valid and enforceable.
Succaasora and Aaalgn.. SubJocllo the Umllations slaled In IhIs Mot1gage on Irsnsfer 01 G,anIOl'slntOl8$I, IhIs Mor1g.ge shal ba blndlng upon
and Inu,e 10 Ihe benellt 01 the parties, their heltS, pe.-onal ,ep,osenlalives, successors and assigns. fl owne.-hlp 01 Ihe Ptoperty becomes vesled
In a person olher lhen GrantOl, Lender, Wllhoul notice 10 GtantOf, may deal wllh GtanlOl's successors wllh ,elerence to Ihls Mcr1gsge and Ihe
Indebledness by way 01 fOtboatance Of e.lenslon Wllhoul releasing GtanlOl from Ihe obllgallons of Ihls Mor1gage or liability unde, Iha
Indebledness,
Time I. ollhe Eaaence. TIme Is of lhe 8$sonce In lhe perfotmance ollhls Mot1gage,
Wllve" and Conllnl., LendOt shaU nol be doomed 10 heve waived .ny rlghls under this Mor1gago (ot under lhe Relaled Documenls) unl8$S
such waiver Is In writing and sIgned by Lender, No delay or omission on Ihe part 01 lender In e.e,clslng .ny right shall operale IS a waiver 01
such rlghl Of any olhe, ,Ighl. A waive, by any party 01 a ptovlsion ollhls Mot1gage shall nol conslltule a waiver 01 or prejudice Ihe party's rlghl
olherwlse 10 demand striel compliance wllh Ihal provision or any olhe, provision, No prior waiver by Lander, nor any COUtSe 01 dealing belwoon
Lender and Granlor, shall constitule a waiver 01 any 01 Lender's rig his 0' any 01 Granlor's obl'gallons as to sny lulu,e transactions, Whenever
censenl by Lender is required In this Mortgage, the granting 01 such consenl by lender in any Inslanco shall nol constiluto continumg consonllo
subsequent fn~lilnr.fl<; Wh(lH'l rll"h ,~~,.. ',..1 ". ,_ _. .
EXHIBIT "A"
Borrower: Wllu.m R. Rhoeda
12 Michaux Dllva
Newville, PA 17241
Lender: Fennere Trull Company
Noble Boulevatd Olnca
Dna Wilt HIgh 61reel
CatlI"e, PA 17013
Thlel!lhlblt "A" Ie attached 10 and by Ihle relareneala mad.. pert olllCh Deed 01 Truel or Morlgalll, cIIled November 3, III., end .xeculed
In connecllon with a loan or olh.r IInenclll accommoclellone between Fann.re Trull Companv end William R. Rhoade,
All that certain lot of ground situate in Penn Township,
Cumberland County, Pennsylvania, bounded and described as
follows, to wit;
Beginning at a point on the western side of Michaux Drive,
s?id point being also on the division line between Lot No. 7A
and land now or late of Jacob Coulson on the hereinafter
mentioned Plan of Lots; thence South 5 degrees 43 minutes 20
seconds West, one hundred forty-two and fifty-seven hundredths
(142,57) feet to a point on a ten (10) feet wide private lane;
thence South 79 degrees 00 minutes 20 seconds West, one hundred
seventy-five (175) feet to a point on other lands now or
formerly of Waren Enterprises, Inc.; thence North 10 degrees
59 minutes 40 seconds West, one hundred thirty-eight and
seventy hundredths (138.70) feet (erroneously stated as one
hundred seventy-eight and seventy hundredths (178.70) on prior
deed) to a point on the division line between land herein
described and lands now or late of Jacob Coulson; and thence
along the last mentioned division line, North 79 degrees 34
minutes 50 seconds east, twb hundred sixteen and one hundredths
(216.01) feet to a point on the western side of Michaux Drive,
the Place of BEGINNING.
BEING Lot No. 7A of Plan of Lots known as Lake Warren
Estates, said Plan being recorded in the Office of the Recorder
of Deeds in and for Cumberland County, Pennsylvania, in Plan
Book 18, Page 57 and 58.
" ,""1nnsvlllania }
"',,,mbe,land SS
THIS EXHIBIT "A" IS EXECUTED ON NOVEMBER 3, 1114, .:'. ',~:.s~i:i r4 " ,',;',: rh~ officI! for lhe recording of Deeds
BORROWER: -~~~~~' llJl{q:}tmhllrland Cou .
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LENDER: 0( '!'
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PROMISSORY NOTE
Principal Loan Date 'Malurlty
52000,00 08-15-2007
References In Ihe shaded area are lot Lender's use onl
Account
Inlllala
Borrower: William R. Rhoada
12 Michaux D,'vI
Newville, PA Inti
Lender: Fllme.. Trusl Companv
NOble Boulevard OlllcI
Onl Wesl High 51'111
Ca,lIsla, PA 17013
Principal Amount: $52,000.00 Inlereat Rale: 8.750% Dele 0' Nole: November 3,1994
PROMISE TO PAY. I p,oml.. 10 PIV to Fllml.. Trual CompanV ("lender"), or o,der, In lewlul monev ollhe Unlled Blalaa 01 America, Ihe
princiPII amounl 01 FIIIV Two Thouaand & 001100 Dollara (162,000,00), logelher wllh Inleresl allhe rale 01 '.750% per annum on Iha unpaid
p,'nc'plll bslancelrom November e, lilt, unlll psld In lull,
PAYMENT, I will PIV Ihlelotn In 333 PlVmenll 01 1218,41 eech PlVmenl. Mv nrlt pevmanlll due November 23, 1814, and llIlUbsequenl
PlVmanlllll due on tha seme dey oleech two weakl Inar Ihll, Mv tlnsl peymenl will be dUI on Augusl15, :1007, and will be lor ell pllnclpal
and III eccrued Inte"ll nol vel paid, Peymenlllncludl p,'ncIPII end Inlereat. I will pav Lender elLende~s add,ess shown ebove ot II such olhor
place as Lande, mav deslgnale In writing, Unless olheMlse Igreed ot requl,ed bV applicable law, paymenlS will be applied fltsllo acerued unpaid
Inleresl, lhen 10 principal, and any ,emalnlng amounllo any unpaid colleellon cosls end Iale cha,ges,
PREPAYMENT, Ilgree lhal aU loan lees and olhot prepaid ftnance charges are earned lully as ollhe dale ollhe loan and will nol be subjecllo refund
upon eariy paymenl (whelher volunlarv ot as a resull 01 delauII), excepl as olheMlse required by law, ExcepllOt Ihe Iotegolng, I may pay wllhoul
penally aU ot a pot1lon of Ihe amounl owed earlie, lhan Ills due, Eariy paymenls will nOI, unlass agreed 10 by Lende, In WIlling, ,elleve me 01 my
obllgallon 10 continue 10 make paymenlS unde, Ihe paymenlschedule, Ralher, Ihey will ,educe Ihe principal balance due and may resull In me making
lewer pavmenls,
DEFAll.T, I wUl be In defaullll anv of lhe lollowlng happens: (a) IlaU 10 make any paymenl when due, (b) I b,eak any p,omlse I have made 10
Lender, OIllall 10 petlOtm promptiv allhe time and s~lctiy In lhe manner p,ovlded In Ihls Nole ot eny agreement ,elaled 10 Ihls Nole, ot In anv olher
agreemenl 01 loan I have wllh Lender, (c) AnV ,epresenlation 01 slalemenl made ot lutnlshed 10 Lende, by me ot on my behallls false ot misleading In
any malerial ,espect (d) I die ot become Insolvent, a recelvtt' Is eppolnled lot any parl 01 my propertv, I make an asslgnmenllOt Ihe benefil 01
credllOB, ot anv p,oceedlng Is commenced ellhe, bV me 01 agalnsl me unde, anv bank,uplcy OIlnsolvencv laws, (e) Any ctedllOt ItIes 10 lake any 01
mv propetly on Olin which Lender has a lien 0' securily Inleresl, ThIs Includes a gatnlshmenl 01 any 01 my aceounts wllh Lende,. (I) Any of Ihe events
described In Ihls defaull secllon occurs wllh ,especllo anv guaranlOt ollhls Nole,
LENDER'S RIGHTS. Upon delauII, Lender mav, allet giving such nollces as 'equ~ed bV applicable law, decla,e lhe entire unpaid principal balance on
Ihls Nole ana aU aectued unpaid Inle,esllmmedlalalv due, and lhen I will paV lhal amounl. Lender may h~e ot pay someone else 10 help collecllhis
Nole III do nol pay, I also will paV Lender lhal amounl. This Includes, subJecllo env IImlls under applicable law, Lender's allOtnevs' lees and Lender's
legal expenses whelhe, ot nollhete Is a IawsUil,lncluding allOtnevs' fees end legal expenses lot banklUplcy p,oceedlngs (Including ellot1. 10 modily or
vacale any aulomallc slav ot Injunction), appeals, and any anlJclpaled pO$I-judgmenl collecllon services, If nol p,ohlblled bV applicable law, I also will
pay any courl cO$ls, In eddiUon 10 aU olhe, sums provided by law, If judgmenlls enlered In connecllon with IhIs Nole, Inleresl will conllnue 10 accrue
on Ihls Nole aile, jUdgmenl allhe exlsllng Inleresl rale provided lot In Ihls Nole, Thla Nole hes been delivered 10 Lender and ecceplad bV Lendet In
Ihe Commonwelllh 01 Pennavlvanla, IIlhere II a lewaull, I agree upon Lender'a ,equesl 10 IUbmll 10 the lu,llIIlcllon 01 tha coulls 01
Cumberland CounlV, the Commonwelllh 01 Pennavlvenla, Thla Nole ahall be govemed bV and conllrued fn eccordence wllh Ihe fewa ollhe
Commonweallh or Pennavlvenle,
RIGHT OF SETOFF. I granllo Lender a conl,acluaJ pO$sessooy securily Inleresl In, and herebv assign, conveV, dellvet, pledge, and ~ansfe' 10 Lender
all my righi, Iille and Inle,esl In and 10, my aceounls wllh Lender (whelhe, Checl<lng, sevlngs, 01 some olhe, aceounl), Including wllhoulllmllallon all
aceounlS held jolntiy wilh someone else and all accounls I mav open In lhe IUlure, excluding howeve, all IRA, Keogh, and ltusl accounls, I aulhortzo
Lende" 10 Ihe menl petmllled bV applicable law, 10 cha,ge 01 seloll all sums owing on Ihls Nole agalnsl anv and all such aceounls.
COllATERAl. This Nole Is secu,ed by a Mot1gage deled Novemb81 3, 1994, 10 Lende, on l8al propertv lxoled In Cumberland Counly,
Commonweallh 01 Pennsylvania, alllhe lerms and condlllons of which are herebv IncOtpo,aled and made a pall ollhls Nole.
GENERAl PROVISIONS. Lender may delaV 01 IOtgo enfOlclng anv of lIS rlghls ot ,emedies under Ihls Nole wllhoul losing lhem, I and any olher
person who signs, guarantees 01 endorses Ihls Nole, 10 lhe extenl allowed by law, waive presenlmenl, demand 101 paymenl, p,olesl and nollce 01
dlshonOt, Upon anv Change In lhe te,ms of Ihls Nole, and unless olheMIss expresslv slaled In wrillng, no pariy who signs Ihls Nole, whether as maker,
guaranlOt, aceommodellon make, ot endorser, shall be released from liability. All such parlies agree IhalLender mav ,enew 01 extend (repealedly end
lot any lenglh 01 I;me) Ihls loan, 01 release any partv 01 guaranlor or collale,al; 01 Impair, fall 10 realize upon or pellecl Lende~s securily Inlereslln Ihe
collateral; and lake any olhe, acllon deemed necessarv bV Lender wilhoullhe consenl 01 0' nolice 10 anyone, All such parties also agree Ihal Lender
maV modlly Ihls loan wllhoul the consenl of ot nolleo 10 anyone olher lhan Ihe pally wilh whom Ihe modificallon Is made,
PRIOR TO BIGNING THIB HOTE, I READ AND UNDERSTOOD AU. THE PROVISIONS OF THIS NOTE, I AGREE TO THE TERMS OF THE NOTE
AND ACKNOWLEDGE RECEIPT OF A COMPlETED COPY OF THE HOTE,
BORROWER:
Xi (1".1;.(Ji:itl!hti!~l7:;tii >.
WIIIJem R, Rhoadl
(SEAl)
Filled Rile. Inlllllment.
LASER PRO. R.~ U.S. PI!. & T.M. Off., Vir. 3.1' ee) 10N CFI ProServlCl., Inc. AUrlghl. r,urvld.IPA_020 RHOAOSWR.lN Rza,OVlI
EXHIBIT
I 0
ACT 91 NOTICE
TAKE ACTION TO SA VE YOUR HOME FROM FORECLOSURE
ne Commonwealth of Pennsylvania's Homeowne~s Emergency Mortgage Assistance P,og,am may be able 10 help you, Read Ihe following nOlice 10 find oul
'ow Ihe progtam works,
fyou need more informalion call1he Pennsylvania Housing Finance Agency at I (800) 342-2397,
.a nOlificalion en adjunlo es de .uma importancia, pues aecla .u delecho a conlinua, viviendo en .u c.... Si no comprende el conlenido de esla nOlificacion
.blcnga unalraduccion immedialamenle lIamanda esla agencia (Pcnnsylvaniallousing Finance Agency) sin cargo. 01 numero mencionado arriba. Puedes..,
Ilegible pa,a un pre.lamo po' el programallamado "lIomeowne,,' Emergency Mortgage Assislancc Program" cl cual puedc ..Ivar.u casa de la perdida del
Icrecho a redimir su hipoleca. ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM.
PLEASE READ TillS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WIIICII CAN SAVE VOUR 1I0ME FROM FORECLOSURE AND IIELP YOU MAKE
FUTURE MORTGAGE PA VMENTS
E, Account No.: 20009438
Dale: December 17, 1996
0: William R, Rhoads-12 Michaux Drive-Newville Pa. 17241
ROM: Farmer.TlUst Company I WeSI High SI,eel Carlisle, PA, 17013
au may be eligible for nnanclalusl5tance tbat will prevent foreclosure 00 your mortgage If you comply with Ibe provl5lons of the Ifomcowncn'
merccnry Mortgale Asslslance Act of 1983 (lhe n Acln), You msy be eligible for emergency lemporary a..lslance If your default hIS beeo Clused by
Ircumslaoccs beyood your coolrol, you have a relSooable prospecl of rcsumlnl your mortgsge payments, and If you meet other eligibility
equlrements cslabllshed by the Penosylvaola Ifouslog Flaaoce Aleory. Pleue read all of Ihls Notice. II coolalosso explanatloo of your rlghls.
nde, Ihe Acl, you o,e enlitled 10 a Icmponuy stay of foreclosu,e on you mortgage for thirty (30) days from the dale of Ihis NOlice, Duringlhal time you musl
trange and aUend a "face-Io-face" meeling wilh a represenlalive of this lender, or wilh a designaled consumer credil counseling agency, The purpose oflhis
eeling is 10 aUempllo work aula repaymenl plan, or 10 olherwise senle your delinquency, This meeling musl occur in Ihe next thirty (30) days.
fyou auend a face-Io.face meeling wilh Ihis lender, 0' wilh a consumer credit counseling agency idcnlified in Ihis nOlice, no further proceeding in mortgage
oreclosure may lake place for Ihirty (30) days aner Ihe dale oflhis meeling.
e name, address and lelephone number of our represenlalive is:
ack V,lIulchison, 1415 Ritne, Highway, Carlisle, PA 17013,
elcphone Number: (717) 241-7759
e namc(s), address(es), and phone numbers of (a) designaled consumer credit counseling agency(ies) is (arc),
WCA, 301 G, Slreel Carlisle, PA, 17013
It is only necC5Saty 10 schedule one face.lo,face meeling, Vou should advise Ihis lender immedialely of your inlenlions.
Vour mortgage is in default because you have failed 10 pay promplly inslallmenlS of principal and inleresl, as required, fa, a period ofalleasl sixty (60) days.
The 10lal amounl of Ihc delinquency is 51297.45, Thai sum includes Ihe following: Biweekly paymcnlS of 5 259.49 for Oclober 1996,
and Novembe, 1996, and December 1996, and laic charges in Ihc amounl of SO..
Vour mortgage is also in default for Ihe following reasons:
If you have tried and arc unable 10 resolve this problem at or ancr your face-Io-face meeting, you have the righl to apply for linancial assislance from Ihe
Homeowners' Emergency Mortgage Assistance Fund, In order 10 do Ihis, you musl fill oul, sign and file a compleled Homeowners' Emergency Assislance
Applicalion wilh one of the designaled consumer credit counseling agencies lisled in Ihe allachment. An applicalion for assislance may only be oblained from
a consumer credit counseling agency, The consumer credit counseling agency will assist you in filling OUI your applicalion and will submit your compleled
applicalion 10 Ihe Pennsylvania Housing Finance Agency. Your applicalion must be filed or poslmarked, wilhin Ihirty (30) days of your face-la-face meeling.
It Is extremely Impor,anl that )'Oufile )'Our appllea'lon promptly. If you do not do so, or if you do not follow the other time perIods selforth In this leller,
foreclosure may proceed agalnst)'Ou home Immediately.
Available funds for emergency mortgage assislance arc very Iimiled. They will be disbursed by Ihe Agency under Ihe eligibility crileria established by Ihe
Act.
II is eXlremely importanllhal your applicalion be aceurale and complele in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days 10
make a decision aner it receives your applicalion, During Ihal addilionallime, no foreclosure proceedings will be pursued againSl you if you have mellhe
lime rcqlliremcnlS sel forth above, Vou will be nolified direclly by Ihal Agency of ils decision on your applicalion,
The Pennsylvania Housing Finance Agency is localed al2101 North Fronl Slreel, Posl Office Box 8029, Harrisburg, Pennsylvania 17105, Telephone No,
(717) 780.3800 or 1-800.342-2397 (toll free number), Persons wilh impaired hearing can call 1-800-342-2397,
In addilion you may receive anolher notice from this lender under Acl6 of 1974, Thai nOlice is called Ihe "Nolice orInlenlion 10 Foreclosure", You musl
read both nolices, since Ihcy bOlh explain righlS Ihat you now hove under Pennsylvania low, 1I0wcvcr, if you choose 10 exercise your righls described in Ihis
nOlice, you cannol be foreclosed upon while you arc receiving thai assislance.
Very truly yours,
Jack V,Hulchison-Colleclion Officer
EXHIBIT
II)
TO FORECLOSE MORTGAGE
TO:William R, Rhoads,I2 Michaux Drive. Newville Pa 17241
NOTICE OF INTENTION
December 17, 1996
Loan No,20009438
The MORTGAGE held by William R, Rhoads (hereinafter we, us or ours) on your property located at 12
Michaux Drive Newville, Pa 17241, IS IN SERIOUS DEFAULT because you hove not mode ,he Biweekly
payments of$259.49 for the months of October /996, November /996, and December /996.. Late charges and
other charges have also accrued to this date in the amount of S 0, The total amount now required to cure this
default, or in other words, get caught up in your payments, as of the date of this Jetter, is 51297.45.
You may cure this tlefaultwlthin THIRTY (30) DA YS of the da,e of this lel/er, by paying to us the above
amount of$/297,45, plus any additional monthly payments and late charge which may fall due during this period.
Such payment must be made either by cash, cashier's check, ceMitied check or money order, and made at Financial
Trust Co, I Wesl High Slreet Carlisle, Pa, 170 I 3,
If you do not cure the default within THIRlY (30) DAYS, we Intend to exercise our rlgh, to accelerate the
mortgage payments, This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original moMgage in monthly installments, If full payment
of/he amount of default is not made within THIRlY (30) DAYS, we also Intentlto Ins'ruct our al/orneys to start 0
lawsuit to foreclose your mortgaged property, If the mortgage Is foreclosed your mortgaged property will be sold /. _ ~
by the Sherljfto 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 S50,OO. However, iflegal proceedings are staMed against you, you will have to pay the reasonable attorney's
fees even if they are over S50,00, Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs. If you cure the tlefault within the thirty day periotl, you will not be required,o pay
al/orney's fees,
We may also sue you personally for the unpaid principal balance and all other sums due under the
mOMgage,
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you
stll/ have the righ, '0 cure the default and prevent the sale at any time up to one hour before ,he Sheriffs foreclosure
sole, You may do so by paying the to,al amount of the unpaid monthly payments plus any late or other charges ,hen
due, as well as the reasonable al/orney's fees and costs connected with ,he foreclosure sole and perform any other
requirements under the mortgage, It is estimated that the earliest date that such a Sheriffs sale could be held would
be approximately June 1997 A notice of thc date of the Sheriff sale will be sent 10 you before the sale, Of course,
lhe amount needed to cure the default will increase the longer you wait. You may tind out al any time exactly what
the required payment will be by calling us at the following number: (717) 241-7759. This payment must be in cash,
cashier's check, ceMitied check or money order and made payable to us at the address Slated above,
You should realize that a Sheriff's sale will end your ownership of the mOMgaged property and your right
to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be staMed to evict you,
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO
SELL THE PROPERlY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW
MONEY FROM ANOTHER LENDING INSTITImON TO PA Y OFF THIS DEBT, YOU MAY HAVE THE
RIGHT TO SELL OR TRANSFER THE PROPERlY SUBJECT TO THE MORTGAGE TO A BUYER OR
TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE
OUTSTANDING PAYMENTS, CHARGES AND A ITORNEY'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 PARlY ACTING ON YOUR
BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE
NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MA Y HAVE TO ACCELERATION
OR FORECLOSURE,
If you cure the default, the mortgage wll/ be restored to the same position as ifno defaul' had occurred,
However. you are not entitled to this right to cure your default more than three times in any calendar year,
By
EXHIBIT
I ;::
Jack V. Hutchison,Collection Officer
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FINANCIAL TRUST COMPANY,
Plaintiff
--
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v
: NO. 97 - 105B
WILLIAM R. RHOADS,
Defendant
CIVIL ACTION
: IN MORTGAGE FORECLOSURE
PRAECIPE
Please mark the above captioned action settled and discontinued.
Date: '1 ~6~!J
Hubert X. Gi oy, Esquire
Brouios & droy, P.c.
4 North Hanover Street
Carlisle, PA 17013
(717) 243-4574