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PROMISSORY NOTE
l)cel
3 GcS :'}
Account
Initials
Principal
$100000.00
Loan Date Msturlty
04-28-2005
Losn No
Raforoncos In tho shadod aroa oro tor lendor's use onl
Borrower: Evangelo. Alh.n....lo.
Debr. G. Alh.n...lo.
1501 Hemloclc Avenu.
Carlisle, PA 17013
Lender: Fenne.. Tru.t Comp.ny
M.ln Olnce
One We.1 High Sl,eel
Carlisle, PA 17013
Principal Amount: $100,000.00 Date of Note: April 28, 1995
PROMISE TO PAY. Evangelo. Alhene""lo. end Debre G. Alhene""lo. ("Borrower") promise to pay 10 Fermer. Trusl Compeny ("lender"), or
o,der, In lawlul money 01 Ih. Unlled SI.le. 01 Amerlc., Ihe prlnclpol amounl or One Hundred Thou""nd & 00/100 Dollar. ($100,000,00),
logelher wllh Inlere.t on Ihe unpold prlnclp.1 b.l.nce from April 28, 19115, un\ll pold In lull. The Inleresl r.le will nollnc,e... .bove 12.000%.
PAYMENT. Sublectlo any payment ch.nges resulllng ',om ch.nge.ln the Inde., Borrower will p.y thl.lo.n In accord.nc. wllh Ihe 'ollowlng
paymenl schedule:
12 consecullve monlhly prlnclp.l.nd Inleresl paymenl. 01 $1,:121.51 each, beginning May 28. 'VV5, wllh Inler...1 c.lcul.led
on Ihe unpold prlnclpol bal.nce. el .n Inlere.1 r.le 01 10,000% por annum: and IDa consecullv. monlhly p,lncJpal end
Inlere.1 paymenls In Ihe Inlll.1 amounl of $1,342.<< each, beginning May 28, 1_, wllh Inle,e.1 colcul.led on the unp.ld
prlnclpol bal.nce. .I.n Inleresl r.le 0' 4.500 po,cenl.ge polnl. over Ihe Inde. described below. Borrower's "nal paymenl
will be due on April 28, 2005 .nd, will be ror .11 prlnclp.1 .nd accrued Inleresl nol yel p.ld, togelher wllh any olher unp.ld
.mounls under Ihl. Nole.
Borrower will pay Lender at lender's address shown above or at such other place as lender may designate in writing. Unless otherwise agreed or
required by applicable law, payments will be applied first 10 accrued unpaid Intoresl, then to principal. and any remaining amount to any unpaid
collecUon costs and Iale charges.
VARIABlE INTEREST RATE. The inlerest rale on this Nole is subject to change from timo 10 tima based on changes in an index which is Ihe Monlhly
average 01 weekly average auction rates on United States Treasury Bills with a maturity of six months. (the 1ndex1. Your inlerest rate will not increase
or decrease it a change in the index is less than on&-quarter percentage point on any chango dale. lender will tell Borrower the current Index rate
upon Borrower's roquest. Borrower under5tands that lender may make loans based on olher rales as well. The interest rate change will not occur
moro ollon lhan each year. Tho Inde. currcnlly I. 5.910% por .nnum. Thelnleresl r.le or r.le.lo be .pplled 10 Ihe unp.ld prlnclpol bal.nce 01
Ihl. Nole will be Ihe r.le or r.tos ..t lorlh .bove In Ihe "Paymenl" seellon. NolWllhsl.ndlng .ny olher provlslon or Ihl. Nole. Ihe varl.ble
Inleresl r.le or r.le. p,ovlded lor In thl. Nole will be subjecllo Ihe lollowlng maximum r.le. NOTICE: Under no circumstances willlhe Inlerest
rate on this Nole be more than the lesser 01 12.000% per annum or the maximum rale allowed by applicable law. Notwithstanding the above
provisions, the maximum Increase or decrease in Ihe intorest rale at anyone time on this loan will not exceed 2.lXXJ percentage points. Whenever
increases occur in the Interest rate, lender, at its option, may do one or more 0' tho following: (a) Increase Borrower's payments to eOSlJre Borrower's
loan will pay 011 by its original final maturity date, (b) increase Borrower's payments to cover accruing interest, (c) increase the number of Borrower's
payments, and (d) continue Borrower's payments at the same amount and Increase Borrower's final payment.
PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges Bre earned tully as of the date of the loan and will not be subject
to refund upon ear1y payment (whether voluntary or as a result of default), except as otherwise required by law. Except for the foregoing, Borrower
may pay without penalty aU or a portion of Ihe amount owed ear1ier than ills due. Ear1y payments will not, unless agreed to by lender In writing, relieve
Borrower of Borrower's obligation fa continue to make payments under the payment schedule. Rather, they will reduce the princIpal balance due and
may result In Borrower making lewer payments.
LATE CHARGE. If a paymenl is 15 days or more lale, Borrower will be charged 5.000% of (he regularly scheduled payment.
OEFAlJ.T. l3orrower will be In default if any of the following happens: (0) Borrower fails to make any payment when due. (b) Borrower breaks any
promise Borrower has made 10 lender, Of Borrower falls to perform promptly at Ihe time and stricUy in the manner provided In this Note or any
agreement related 10 this Note, or in any other agreement or loan Borrower has With lender. (c) Any representation or slatement made or furnished 10
lender by Borrower or on Borrower's behalf is false or mIsleading in any malerial respect. (d) Borrower dies or becomes insolvent, a receiver is
appointed for any part olBorrower's property, Borrower makes an assignment for the benefit of creditor5, or any proceeding is commenced either by
Borrower or against Borrower under any bankruptcy or insol.....ency laws, (e) Any creditor fries to lake any of Borrower's property on or In which lender
has a lien or sacunty Interest. This includes a garnishment of any of Borrower's accounts with Lender. (f) Any of the events described in this default
section occurs wllh respect to any guarantor of this Nole. (g) l~nder in good faith dooms itself Insecure.
LENDER'S RIGHTS. Upon default, Lender may, arter giVing such nolices as reqUIred by applicable law, declare the entire unpaid principal balance on
this Note and all accrued unpaid interest immedialely due, and then Borrower will pay that amount. lender may hire or pay someone etse to help
collect this Note jf Borrower does not pay. Borrower also Will pay lender that amount. This Includes, subject to any limits under applicable law,
Lender's attorneys' fees and lender's legal expenses whether or not there is a laWSUIt, including attorneys' fees and, legal expenses for bankruptcy
proceedings (Including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-Judgmenl collection S8MCes. If
nol prohibited by applicable law, Borrower also Will pay any .court costs, in addition to all other sums proVlded by law. If judgment ts enlered in
connection WIth Ihis Note, mlerest will continue to accrue on thiS Note after judgmenl 8tthe interest rate sppllcable to thIS Nole at Ihe time judgment IS
entered. Thll Hote has been delivered to lender and accepted by Lender In the Commonwealth of Pennsylvania. If there Is a lawsuit,
Borrower 8grees upon Lender's request to submll10 (he jurisdiction a. the cour1s o' Cumberland Counfy,(he Commonwealth 01 Pennsylvania.
This Hote shall be ooverned by and construed In accordance with the laws 01 the Commonweallh 01 Pennsylvania.
RIGHT OF SETOFF. Borrower grants to Lender a contractual possessory secunty interest in, and horeby assigns, conveys, deh~. pledges, and
transfers to lender 811 Borrower's nght, title and interest in nnd to, Borrower's accounts WIth Lender (whether checking, S8vmgs, Of some other
account), including withoullimilalion all accounls held Jointly WIth someone else and all accounts Borrower may open in the future, excluding however
alltRA, Keogh, and trust accounts. Borrower aulhonz9S lender. to Ihe extent permlMed by apphcable law, to charge or selon all sums OWIng on thiS
Nole against any and all such accounts.
COl1.ATERAl. ThIs Note is secured by, In addltlo
Cumber1and County, Commonwealth of Pennsy1vsnl
Commonwoallh of Pennsy1vanl8, all the terms and c
I
EXHIBIT
f1
gage dated Apnl 28, 1995. to Lender on real property located In
. 1995,10 lender on real property located In Cumbertand County,
(pars led and made a part ollhls Note.
1"101 DUD
All STAll UGAl !U"l't' COIII;,.
1111 oUCH IT.. PHILADIL'HIA.'A.. IlIor
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EVANGELOS ATHANASATOS and EKATHERINE ATIIANIISATOS,
hi~ wife, of the Borough of Carlisle, Cumberland
County, Pennsylvania, Parties of the First Part,
herein called the
GRANTORS
- and -
EVIINGELOS ATIIANASATOS of the Borough of Carlisle,
Cumberland County, Pennsylvania, Party of the
Second Part, herein called the
GRANTEE
~Uitnc9.sctlt. 7'11,,1 ill ",,".idrm/i'1II of ONE ($1. 00) -------------
.
Dill/a" ,
ill 1I11"d fJtlid, / h,' ".,.,.;/,t ".II,'",,,j' ;... 1I"""J!llI('/.:"lJ/drrl~f'd, t II" .'w;d ~r(/"tors do
I
""'f'''!/ !tr,II" fllld ,'fI,Il','!//fl th,' .'ifl;d !i"',,,,,,,,
his
llf';r." alltl n:uis!ns,
ALL that certain tract of land situate in the Third Ward of the
Borough of Carlisle, Cumberland County, Pennsylvania (formerly South
Middleton Township), more particularly bounded and described as
follows:
BEGINNING at a point on the North side of Hemlock Avcnue at thc
Southwest corner of Lot No. 123: thencc by Lot No. 123 North twenty-
fivc (25) dcgrees thirty (30) minutcs West one Hundred twenty (120)
fcet to a point on the Southcrn line of Lots 107 and 108: thcnce
South sixty-four (64) degrecs thirty (30) minutes West eighty-four
(84) feet along the southern side of Lots 107 and 106 to a point:
thence South twenty-five (25) degrees thirty (30) minutcs East
one hundred twenty (120) feet to a point in the Northern side of
Hcmlock Avenue: thence North Sixty-four (64) degrees thirty (30)
minutes East eighty-four (84) feet along the Northern side of
Hemlock Avenue to a point, the first mcntioned point and place of
BEGINNING.
BEING all of Lot No. 124 a~d the Ea3tern fourtecn (14) feet of Lot
No. 125 on the Plan of Lots known as Valley Meadows.
j
,
BEING the same prcmises which Lyle E. Ryder and Fae K. Ryder, his
wife, by Deed dated IIpril 7, 197], ahd recorded in the office of
the Recorder of Deeds ~~~for Cumberland County, Pennsylvania, in
Deed Book C, Vol. 27, Page 283, granted and conveyed to Evangelos
Athanasatos and Ekatherine Athanasatos, his wife, the Grantors herein.
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EXHIBIT
, (3
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
TO:
Evangelos Athanasatos
I~Ul HemlocK Avenue
CarlISle, Pa. 17013
D.te 01 Notice March 05. 1997
Lo.n No. CL 1036052
The MORTGAGE held by Farmers Trust Company
(hereinafter we, us or ours) on your property located at
1501 Hemlock Avenue a
Carlisle. Pa 17013 an
IS IN SERIOUS DEFAULT because you have not made the monthly payments of S 1300.38
for the months of December-1996 .1anllar:.y 1 qQ7 , and -.E.ehr".ry-1997
and/or because
RD II 2 Box 132
NewvIlle, Pa. 1724'
Late charges and other charges have also accrued to this date in the amount of . The total
amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this
letter, is S 3901. 14 .
You may cure this default within THIR~Y (301 DA YS of the date of this letter, by paying to us the above amount
of S 3901 .14 , 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, certified check or money order, and made at
Farmers Trust Company- 1 West High ~trppt-r..rli<lp, P. 17013 .
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly installments, If full payment of
the amount of default is not made within THI RTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff 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
550.00. However, if legal proceedings are started against you. you will have to pay the reasonable attorney's fees even
if they are over 550.00. Any attorney's fees will be added to whatever you owe us. which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale.
You mav do so by paying the rotal amount of the unpaid monthly payments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under tiJ!! mortflil!1f. It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately ~ept-l ~~/ . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the following number(717)241-7759 . This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SEll THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER lENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO Will
ASSUME THE MORTGAGE DEBT, PROVIOED THAT All THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY M"
THIRD PARTY ACTING ON YOUR BEHALF YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON cTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU ~~AY HAVE TO
ACCELERATION OR FO
If rou curt' :ht' {/~,f,JUi[
you Jrc not t'l1tlt't'(j 10 t!1,'"
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EXHIBIT
~
)(I'd to thl! same {)OSition as if no default had occurred. However,
more thJIl thrt'e tlrlll'S In any cJlendJr year.
G.
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RE. Accounl No :
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM.
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
CL 1036052 O.'e March 05, 1997
TO Evangelos AthanasatO>-T:iOnlemlcn-A\'l!nue Carll s I e. Pa. 17013
FRO'M, ~armers IrustCOnipany.:llf.lllgh-Street CarlISle, Pa:-TlD13
You may b, eligible 'or financial anlllanCD thai will prevenl loreelolure on your mortglge It you comply wllh Ih.
provlllo"s 0' the Hom.owners' Emergency Mortgage A..llt.ne, Acl 01 1983 (the -Aet-).You may be eligible lor emergency
tempor.ry ...Iatanee II your delaull has been coulld by clrcumslanc.. beyond your control, you have . realonable
prospect 0' resuming your mortgage payments, and If you meel other eligibility requlremenll eltabUlhed by the
Pennlylvanla Houllng Finance Agency. Please read all or Ihl. Notice. It con lain I an 8lplanallon 01 your rlghl..
Undor tho Act. you aro entitled to n lomporary Slay olloroclosuro on your morlgage lor Ihlrly (30) days Itom Iho dale 01 thiS
Nollce. Dunng Ihntllme you must arrango and allend a .'aco.lo.faco. meelmg With a representative 01 Ihis lender. or wllh a
deSIgnated consumer credll counseling agency The purpos,o ollhis moelmg is to nllempllo work oul a repayment plnn, or 10
olhorwlso sellle your delmquency This meelmg musl occur m the nexllhlrly (3D) days.
If you allond a laco-Io.laco meellng wllh thiS lender. or wilh a consumer credll counseling agency ldenlilied in Ihls nollce no
lurther proceeding In mortgage foreclosure may take place lor thirty (30) days aller the dato 01 Ihls meeling. .
ThQ. nome, address a.nd lelephone number 01 our reprosentative is:
JaCk V. HutchIson
1 West HIgh Street
CarlIsle, Pa. 170,3
Telephone Number: (717) 241-7759
The name(s), address(esl. and phono nun.bers of (a) designated consumer credll counsoling agency(ieslls (are)'
YWCA .
JUl li ~treet
LarllSle. pa, l/U1J
Ills only necossary 10 schedule one lace-la-lace meoling. You should advise Ihis lendsr Immedialely 01 your Inlenllonl.
Your mortgage IS in delault beceuse you have lailed to pay promptly insla~98nts ~' prinCipal and Interest. 8S required. lor a
period 01 01 le8s1 si.ly (60) days. The lolal amounl ollhe delinquency is $ 1 . 1 . That sum Includes
~eM8~~tf?'payments of $1300.38 for the Months of Oecember 1996-January-1997 and February-1997
Your mortgage IS also in delaulllor Ihelollowing reasons.
II you have tried and aro unable to resolve thiS problem al or aller your laco.to.laco mooling, you have the right 10 apply lor
!inanclal assistance Irom the Homeowners' Emergoncy Mortgage Assistance Fund In order 10 do this. you muslllll oul. sign and
lile 8 completed Homeowners' Emergency A'lSlstanC8 Appllcallon With one ollho deSignated consumer crodll counseling agenClos
IIsled above, An appllcallon for asslslanco may only be ob'itlOed from a con!umm crodlt counselinQ agency The consumer crodll
counseling agency will assIst you In Idling oul your <wpllcahon Rnd Wilt !;ubmlf your completed appllcallon 10 the PennsylvaOla
HOUSing FInance Agency Your npphcallOn muSl be Illod or postmarked, WllhlO thllty (30) days 01 your face.lo.lace meellng
" IS extremely Import.ot that you file your applrcallCm promptly II rOll do not do so. or If you do nol follow the a/her tIme periods
set forth," .h,s leiter, foreclosure may proceed against your home lmmotJllJlely
Available lunds lor emergency morlgage assistance are \lery hmlted ThaV WIU bo dlsbUfsod by the Agency under the eligibility
Crltella IIStabhsheC; by the Act
illS extremelV Imporlanl fhat your applicaTion be accUfnle Rnd complete In every respect The Pennsylvania HOUSing Finance
Agency has slllV tGO) days 10 make a deCISion aller II recel~es your applicnhon DUling That addlthJnal lime, no lore closure
proceedlOQ~ Will be pursued agalnsl YOll II you have mellho lime requlfements !ellarlh above You Will be notllled dusclly by thai
Agency 01 tiS dOCISlon on your apphcalion
The Ponnw'vanl8 HOUSing F'nilnce Agency I' locaTed at2101 Uoflh rront SlIcet. Post Ollice 00115530. Hafflsburg, PtInnsytvan1a
17105 Telephone No (717) 780.3800 or 1.800.342.2397 (loUlrOI!! number) Pellons wlIh Impalled hearing cnn call (717)780.1869
In nd(1I1!on you may receive anolher nollce 110m lhls Il'>nder undor Acl 601 1974 Thai nohco IS cnlled the 'Nollce of Inlenllon 10
Foreclosure" You musl lend both nchcas. Since they bolh ellplilln rlghls Ihal you now ha..." under Pennsylvania law However. 11
you choose 10 OllerClse your nghls described in lhlS nolICO. you cnnncl be foreclosed upon ...,hile you Ire receIving thal.lllslance
Very Iruly yours,
Th{l Prllns'I'I"',l
EXHIBIT
In
.ldCk V. lIutchison.Collecllon Officer
e rcactw(j TOLL FREE III l\ROO) 342.2J91
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NOTICE OF INTENTlO_N-IO FORECLOSE MORTGAGE
TO:
Debra Athanasatos
1501 Hf'mlnr.k AVf'nlJf'
Carlisle. Pa. 17013
D.te of Notice -11i!rch 05, 1997
Lo.n No. CL 1036052
The MORTGAGE held by Farmers Tr~t Company
(hereinafter we, us or ours) on your property located at 1501 Hemlock Avenue anr1 RD II 2 Box 132
CarlIsle, Pa. 17013 Newville, Pa. 17,241
IS IN SE R IOUS DE F.AUL~tibecar.Jse..YolI have not mqde the mor;.th1y payments of S. 1300. 38
forche months of ue-ce er-I ~~o ,JanuarY-I~~/ . and reoruary-l ~~/
and lor because
Late charges and other charges have also accrued to this date in the amount of , The total
amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this
letter, is 5 3901.14 .
You may cure this default within THIRTY 1301 OA YS of the date of this letter, by paying to us the above amount
of S --3.!!.O.L 14 , plus any additional monthly payments and late charge which may fall due during this
period, Such payment must be made either bV cash, cashier's check, certified check or money order, and made at
Farmers Trust Comoany-1 West High Stree1~rli~~. Pa. 17013 ,
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly installments. I f full payment of
the amount of default is not made within THIRTY 130) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they
begin legal proceedin9s against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
550,00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over 550.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale.
You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under the mortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately -5.ell.t-jQQ7 . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the following number: (717) 241-7759, This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW ~'ONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGH1- TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREt: WHO WILL
ASSUME THE MORTGAGE DEBT. PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON EXISTENCE OF A DEFA LT OR ANY OTHER DEFENSE YOU ~~AY HAVE TO
ACCELERATION OR FORECLO
If VOll CUrt' :he uefauit. tht' mor I
you Jre not t'f1tltled to thiS rl~;llt to
EXHIBIT
E
he sallle posItIon as if no default had occurred. However.
.JIl three times In any calendar year.
B', ',Jack\!. Hutch! son-l:OTTectfon-OTflcer
RE: Account No,:
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM.
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
CL 1036052 0.,.: March 05,1997
TO: Debr. Athanasatos-150Tllemlock Avenue Carlisle. Pa. 17013
FROM: Farmers Trust Company-' West HiQh Street Carlisle, Pa. 17013
You may be eligible for financial aul.lance Ihal will prevent foreclo.ura on your morlgaga If you comply with the
provision. of the Homeowners' Emergency Mortgage As.I'lance Act or 1983 (the MAct-).You mty-be eligible for emergency
temporary ...Islance U your de feu II has been caused by circumstances beyond your conlrol, you have. rellonable
prospect of resuming your mortgage payments, and II you meet other eligibility requirements established by the
Pennsylvania Hou.lng Finance Agency. Please read all 01 this Notice. It conlalns an explanallon 01 your rights.
Under Ihe Acl. you are enlltled 10 a lemporary slay of loreclosure on your morlgage for thirty (3D) days from the dale ollhis
Notlco_ Durmg Ihatllmo you musl arrange and allond a 'Iace.lo.laco' meollng with a representative 01 this lender. or with a
d05ignaled con!lumer crodll counsoling agency. Tho purpose of Ihis moeting is 10 allemptlo work out a repayment plan, or 10
olherWlSO selllo your delinquency. ThiS meellng musl occur in Iho noxl thlrly (30) days.
" you allend a laeo.lo.lace meoting wllh Ihis londor. or wllh a consumer crodll counselmg agency idenlllied In this notice. no
further procoedlng in mortgage loreclosure may take place for thlt1y (30) days altor lho date of this meeling.
The name. address and lelephone number 01 our represcnliUive is:
Jack V. Hutchison
1 West HIgh Street
Carl.sle, Pa. 17013
Telephone Number: (717l'4t_7111Q
Th'YCf?:e(s), addressees), and phone numbers 01 (a) designaled consumer credIt counseling agency{les) Is (are):
JU I u StreeL
Cdrlisle, t'a.l/UU
It Is only necessary 10 schedule one face.to.face meeling. You should advise this lender immediately of your Inlentlons.
Your mortgage is in default because you have failed to pay promplly installments 01 principal and Inlerest. as reQUired. lor a
period of alleasl si.ly (60) days. The tolal amount oltho delinquency is S 39U1.14 . That sum Includes
the follOWing:
3 Monthly payments of $1300.38-due for the Months of December 1996-January-1997 and February-1997
Your mortgage is also in delaull for Ihe following reasons:
If you have tried and are unable to resolve lhis problem al or alter your lace.lo.face meeling, you have Ihe righl to apply lor
Unancial Bssislance hom the Homeowners' Emergency Mortgage Assistance Fund. In order 10 do Ihis, you musl hll oul. sign and
file 8 completed Homeowners' Emergency ASSistance ApplJcallon WIth one ollhe deSignated consumer credit counseling agenCieS
lis led above An application lor asslslance may only be oblalned lrom a consumer credIt counselmg agency The consumer crodll
counselJng agency will asslsl you In Iilllng out your application and Will submit your compleled appllcallon 10 Ihe Pennsylvama
Housing ~jnance Agency Your appllcahon must be Illed or poslmarked, ......thm thlrly (30) days 01 your lace.to.lace meehng
"i5 extremely Important that you "'e your application promptly If you do not do so. or" you do not follow the other time penods
set forth In thIS letter. foreclosure may proceed agaInst your home Immediately
Available fund~ lor emergency morlgage assIstance afe very limited. They will be disbursed by the Agency under the eligiblllly
cflteria eslabllshed by lhe Acl.
II is extremely Imporlant that your application be accurale and complete In every respecl. The Pennsylvania Housing Finance
Agency has Slllly (60) days 10 make a deCIsion aller II receives your apphcahon. DUring thai addillonaltlmo, no loreclosure
proceedings will be pursued agamsl you il you have mellhe lime reqwements sellorlh above_ You will be nohlied dlreclly by Ihal
Agency 01 ils deCISion on your applicatIOn
The Pennsylvama HOUSing Finance Agency IS tocated al2101 Norlh Fronl Slreet, Posl Olhce 80x 15530, Hamsburg. Pennsylvania
17105. Telephone No_ (717) 780.3800 or 1.800.342.2397 (Iolllree number) Persons With impaired hearing can call (7t7) 780.1869
In additIOn you may receive another nollce from Ihls londOI under Acl6 01 1974 Thai nollce IS called lhe 'Nollce ollntenllon 10
Foreclosure" You musl read both nohces. since lhey bolh elplaln rlghlslh31 you now have under Pennsylvania taw However. II
you choose 10 exerCise your ughlS described In thiS nollce, you cannot be foreclosed upon whIle you are receIVing Ihal aSSlslance
Very truty yours.
EXHIBIT
The Penns~lvanla HOl I
F
Jack V. Hutchlson-Collec~ion Officer
ed TOll FREE at I (800)342-2397
I<(U.I, R..... 'l.'l~
~~.
'-
.
SHERIFF'S RETURN - REGULAR
CASE NO: 1997-02498 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUll BERLAND
Erli~li~!AL TR~~J_gOIIP~NY
VS.
AI.J:l.A~AS"TmLf..v!<Nllli.I.OS EL/Il..___
1<l';1!NETH_E.._.Il!)!i.,?ERL_ _ __. _____._.__, Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within gOM.I'!.A_Hrr__,:"~ORT_EO.B.~.__.. was served
upon ATHANI\..SATOS DE~JJ^_________.._____.____ the
defendant, at _19~S:00 HOURS, on the ~ day of Mav
199~ at 10 BONNY BROOK ROAD__. u ._ _ _____ '._____.
~A.RLISLE. PA 17~1~__.________ ._.___ ______.__. ._.J CU.M.BERj..ANll.
County, Pennsylvania, by handing to PJ:;BRA_.^TJ-IA~^SA~QS_._ _ .___.____
a true and attested copy of the _COll..!'LAINL:_.J'!PRI. FOI1f:
.,~
and at the same time directing Ke~ attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavi t
Surcharge
So answers:
-,
.., ,',' ,0" ,'0'
.>... .... '>.;..;'~~-...~~.~-,- ,.. '. ..' ~',-'", -- ,,"'
1 -.'~-. ./ .'"
Kline, ~her1.1:f
6.00
3.10
.00
2.00
R. Ihomas
611.10 ~INANCIAL TRUST
."2"::9~~~
Sworn and subscribed to before me
this
:!... 'l.".' _ day of
''''''7
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19.._ LL A. D.
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