HomeMy WebLinkAbout97-04685
"
.I
, ,
,
,,' ,1',1,11 " 'II 1'\ "
,. , .Ii , , I.
, , ,
" 'i_,'
\ I , , , HI
,
, " ,
" ,
, , , , , ,. ,
~ I , 1 ','
, , I
,
~ ,;1/ -"! "
I
" I' I, 'I
0 '/, " , I
., , I "
~ ii' "I,
"
tI I' ,
,
~ " ,
,
, "
i) I , ,
~ I ,
,,'
I 1 ,
1
", ,I' , ,I"
, I 'I
,
, ,
,
/ I,; , , ,
, ,
ii' , " , .r: I"
"
" ",
I
" ,
- ~ ,I , ii' , I I
,
, .' I ,
.0 I II' ,
-h " ,
, I I ,
~ 1 " ,I
I) " I
,
"
, " , II
I
, " ,I
" " " " .'
" "
, ,
, ,,' I,'"
I 1 "
, ,/ "
, " " l
" ,
, "
,',
,I oj oj ..,
,
" 'I , , ii" "
',1"1 ,
.1
oj
"1' "
-
I ,
, .,
," .., "
" "
d /
';, 'I ,
"
,
\ " Ii " "
, ,
" I,
I,
,I " "
" "
I'd "
" "
i' ")1 , I, " ,
I ,,' ,I , , I,
! I
"
" "
~ I,
, ,"
, ,
, .. I " \
, I,.
" " , , ,I I
, ,
, ,
,OJ " , , ,
" , ,
, , "
" , ,
'I'
, I, ,
" . ,
,Ij'
.r
,'i
"
to:.
~
~ .
of the Mortgage is attached and made a part heraof as
Exhibit 'A'.
t The Mortgage is secured by Defendant (a) Note dated May 6,
1995 in the amount of $77,220.00 payable to Plaintiff in
monthly installments with sn interest rate of 12.99%. A
"
copy of the Note is attached hereto and made a part hereof
as Exhibi t "B".
J, The land subject to the mortgage 1st
82 Hillside circle, Camp Hill, PA 17011.
5. The defendant(s), Charles McGown and Patricia McGown are,
the real owner(s) of the land subject to th~ mortgage and
the Defendants' address is t 82 Hillside Circle, Cap
Hillr PA 1701l.
~ The Mortgage is now in default due to the failure of the
',Defendant Is) to make payments as they become due and
owing. The following amounts are due:
, "
Prirycipal Balance)
Interest to 6/1/97
Accum. Late charges
Property Inspections
Attorney Fee/costs
$74,720.00
$ 5,903.59
$ 298.76
$ 100.00
,$ 3,736.00
-..--------
TOTAL:
$64r758.35
$26.59 per day,
costs of
plus interest from 8/2/97 at
,
suit and attorhey fees.
7. In accordance with the provisions of the Act of January
30, 1974, P.L. 13 No.6, Section 403 (41 P.S. 403), a
Notice of Intention to Foreclose is not req~ired as this,
loan is in excess of $50rOOO.00. A Notice of Homeowners'
'Emergency Mortgage Assistance is applicable as was Isent
June 24, 1997. The Defendant(s) have not cured the
default .
VI'"
,',
)ICI:;'''I I' lI!.CI~1l
H1COII/)UI OF UlllJ~
,;III-II)[IiI.(./IO COUIII1'I'.\
ldJ ,( O~(IC)...
~'/..' (/~)1 ,
ICY 11(.1''1
'05110V 15 PM llH
-.----_____.l1fl'~tt^htl~.lM 1.11I11'IU IIr'n"lItt.lhl'L..___._..._.._.__.... __'.__"'_n_
I' It I ~MIH'1l1l11 ."ll1l1l1d"l th'tvlclHt
ItlllUt 'Y -~____.____
J\I01t'l'GAGl~
nus MOllTlMlllt (~S(,J.:ttllly 11I51111111('nl-) III alvl:ll un H:l~ U ____._ _.t19I)l.
'Ihu IIIIII'gnl1',r I. Jl1n.tl!.!L-"lccq~t'-!.'!t';l_.~~!lctll ^:'J!.~~~......-.____., wllluc IIIMII:Io\
III ..J.lQ.U!l!L"lu.t~~'-'!..}~~I.I!, ~!~~I\p_ ~J}, ~.t. __~~=r1!!..'-..._ ____.__. .__._._.___.._ .
(MIJ""l)wr,.), '1'111. SrclIIlly ImllulllPlI1 h lIh"t'IlIU AllInll!:t' Ifullllhllt CIItUIIOII)'1 n JJI\rllllelllllr /)Ulut,lur IInllk
11.'';11, whldllllllrunnltCt' 11lt11l'..I~II/llt ll/llk" thl.! IIIWlIllr the lilliit'd Slnlrll, II"" ....hl,"/! 011111"",,1. IJ.~ Clll:"1I1I1
Illllce Hom', MOlllvnle. Nl'W Jl'I5CY U''';,I,' ("I.t'/lllcl"/, IJIIIH"~y",I,lW'bl J'lh,h~f Ihe J"IIIl'UIII! 1I1111I,r ___'U..
6RV~NTV Sr,VF,N 'l'1I01JI'lANU 'rwo IIlJNlJln:U AN J ' Wf,NJ 01 o:.--_..~- _w, .. 111111nll
(V,s. $ 7!, 2 20..: OI;~.~==-_.=~~~~~~~~-~-=._-.).1Tt~~~I;I;Il~ ~~i~le-;;;;dili-,.j;;,-I-;;wl!r.~-~~~~J~I~~i ihr: Inllle
dnle 1IIIIIls S(curlly 11I,~llllult'nl ("Nlllc"), "'hlfh I'Ulv1t1l'1 rut 1II11111hly pnYlUtlll1l wllh Ihe rullllchl, Ir 11I111'"h'
e.'fUer. tJue IlItJ Illlynl)le 11I1_.__t'~.y_.I...?.,_~.~~l_~'-_._______.._. Tills Sr&:llIlly 1/IIII\II11rlll U'l;tUtl h,
I ,emlcr: (II) Ihe rcprlYlllrnl ur Ihe dehl c~llll.It~'cll II)' Ihe Nlllr, willi IIlh'It'~1 nllhe Illlc lei rllllll III Ihl'! Nulc.
nlld nlllt'lIt:Wltl~, t'),lcnr.hll1~ ItllllltUlllilirlllillllS IJr lhe Noll:; (It) lilt' pnymclIl ur nllnlhrr 1111115, wllh Infr.ll'5l.
nJvn/ll.;c.1 untlcr prunernph I) hI IIIokrl Iht' arelllll)' or Ihlll Sl't:llll1y InM"/IIIt'III; nllJ (I;) the I'rrrlJllll/llt(C or
IlIllIUWt't'. ('nvl"/lnula IIlId nl!lrl'lIl1'lll~ 1111I1"1 Ihl~ 5rl'lIdly 1I1~1t'11ll1"1l1 nlll' Ihe Mule, Fur Ihne 1I11'l'ule,
U..tlIJWet dora !ltldlY 1I11I.lnol.:lI';, 1110111 A/Il' ('ollvt'Y II) "culler nUl,! 1.l'lIdu'l 1III;ttUnu lI11cl nul.vn, Ihe
rlllltlwl11" t1rlic,lbc,' 1'11I1,clly IllcnlrJ IIl-.Cuml.J.C.t...1.Jw\S__.__CIIUIlIY1CUlll/llllllWl'.I/lhurl'rnIl5)lvnllln.
~ Ir Ihlll III". 15 c:ht~'hlllC'e Sclll'llllllt ^ nllllc-.ctl/lrltlo nlll' 11Inl'e n I'ntl tlC!tCI)(,
whkh hns I/Ie mJdl!::lIllr 62 II 1[.1.5 lOt:: c weu.:
(51,rt'l)
I'Cllll!\ylvnllln ~.I(U.!__ .._.___.. (MI'IIIIll'lly A,llhl,~~M):
~ZII'L'IIt1e)
CAMP IIJl.L
.',-
(Clly)
82 111'...SIO"~ ClfltJ.r.,
CAMI) 1111.1., PA 'DOl'
TO{JcrJIEH WITtI nil If Ie 1'11rro\ll"tlItlll!l "OW or hell"nOer rll'clrJ nlllhe Ill1lprlfy. nllll All tllllt'tlIl'llln.
tlt,thlll, nppllllcllnllcn, 1l"1I1$, ,.lynIIl1'5, lllluetnl, lJlI nnd gns "U"lll nlll' IllIlnl., Wnlcr ,I.vllls nlld IhJCk n/lll 1111
(1"'I/ICI tmw flr htttMlrr n I'llrlllr Ihl' Jlfllprlly. AII'l'1'11l...('mclII5 AlII' Al/,jllllJII~ ahnll nlw I'l" covcrcll hy 1111.
Sccll.lly Inslrllllll:t11. All "r Ihe ru,qmllll: 11\ Icrl.'rrcll h) III Ihls ~cl'llllly I.,Mtlllllrlll AS lht ""'l)l'ctly."
UOIHtOWI2It COVEN.\NTS Ihnl 'hJlllI\\ler Illowrlllly Il"lscll of llle e~lnle helchy conveyrd IltltJ hAI
Ihe rh;1I1 III lUlUlaAGe, Stlllll noJ (1)lIvcy Ihe I'tol'~rly nil'" Ihnl Ihe "Inprtl)' III ',"t'I1CUlllhl:ll:d, eHrl,1 (ur
1:lII;lI111hrllllccIl o( lCl"llnl. lJ",mwcr \Vnltnlll1\ nut! \\'111 tJl!rcutl gelll.'fillly the IIlle In 1111: P"'pelly n""IIlM nil
dill"", AlIIl l!c:mnluls sllhJecllO nn)' encumhrAnccs or ,ro!:!)I.!.
IlrltlllWer nnd l..clltler cnvclllllll nml n~'ce n, rullllw~:
J. l'Il)'Ull'lIl fir 1'11111'11'111, Illlrrr~1 11111' Ol"l'l' Chllf'J:r,", SuhJet:1 In pOlllgfllph 10 hclllW,
Bo,rower shnllllrtlllll'lIy I'll)' when dlle Ihe Jlrltlclfll1'lI( [1111' 1t1lrll'.~1 011 IIlc Ilchl cvltlcnct'tllry IlIr Nole AIIlI
nflY Inln chnrgcs. CQlh~cUolI (115 Is nlld e~pcn5e5 nUtI dillhlJl1lJretl chcck chArllr.S A5 I'lo~hkd In Ihe Nole,
2, ^I'l'lh'lllIlIlIllr l'UYlIll'uh. IJltlc1\1t n"llth-nltre In\Y I'H)vhlclt tllhcl\YI,~e, I..r.tulc:r will npllly fnch
or Uormwcr's rnYlIll:Uls lI/uJer Ihe Nllle nnl Itl n(clucd nnlllllll'l1ltJ IlIlc/r51 IIl1t'er Ihe Noh! Iu Iht' tJnle or
po)'nll:nt nntJ lhe n:IlHlllldu, Ir nny, In Ih~ 1I111'1lld prlnclpnl hnIAIlr...: ondc:r Ihe Nufl'!. Any Inlc chllt1!ell (Hi
lIr II11Y I'Il)'lIIclll 11111 Itln.te II)' lhe rllll ur I.') cnlL~lIlll1r IIIlY5 nrlt:1 IIIl! dull' il h tllle), CllllcdlOIl w51s nllll
Clflt~IIlU~It, dl"hl)flllled chr.ck chofllt'a on.1 pO)'UlCIIIII motle hy LClltlcr hi rnrmcc Ihe Nllle Mid/or h, 11,01('cl
Ut/llJe,'s lulrlcslS "IIlJcI Ihls St'Cllrlly JIl1\llIllllr:nl will be n~st'!~l'11 &1'f1fl1lllcly.
,1. J'r1llr MlIrl~IIJtl'1 Chllf"Ill'!I1 J.ICII.lC, IIllrrowt'r &hnll (lilY nllln.'l'~, Illllle'!IIIt'lIlll, d1ntUl's. nUl'S
Ilml Illlpil5llillll! nu.lhlllllhle lit Ihn l'l"pclly whldl mny nlllllll I'rllltlly IIVN Ihh Sr:ellrily 11I..1I1III1CIII, nutl
1l'1l~l'hllltll1AYlllelll., IIr I1fll"'1I1 ,rlllll, I( nil). 1I1I1I1I\Io'l'r &hol/ IIlIY Ih('~~ uhlll:lll1l1l1.. 1111 lime Illtel'lly II) lilt!
pcrsulI uWl:lf p(tYlllenl. U',mlwl'r .shillll'lUtllplly rurnl:lh II) '-eudcr nil Iltllkcs Qr nmulllIls 10 be I'nid IIntJl:r
Ih'~ 11IUill:tuph. n/lll frc('iph c:vhh:lldlll: .~t/dt I'IlYt/l(.'nh.
t'A l~tm""'I.,(I'II''''JI)IIl.ruAIII!'AITilllIlI')ll
""'llllnr8
)II;1""~A rA.l
liiud2f;:! lAG! 1lr/4
1I1",llwrr ahllll prlrllllll nil II' 11111111\\1'1'1 IJhllllnlll'"~ Illldl'I IIny '1IIll"'ll,:r, Iln'd II' IJII~1 HI 111/1",
'.";11111)' 11l\IJIIllIrlll v.llh, "'I'nllllll III Itll\III'~ n 1'1111111)' 11'11'1 Ihl, !;nuIll)' In\hulllrlll, Il1dullllllt hIli 11111 U/llhrll
I.., 1II1II1mq', UI\'~lI,lII' III'II'I~"IIII)'III1'lIh "lwIIII"'I, 11'11'11\\'1'1 dlillll"'lllllllt)' IhHIIlIIll'" All)' Ilt'lI "hllh hll~
I'IilII II Y lI'1l'l 1111, fil'C'lllly 111',11111111'111 (111hl'l 111111111 ~1'UIHI 1111111,1111"", Iln ,1111 illI~1 III IIlhl'l M".1I1 II)' In\IJl'IIII'lll
111'1"11\'1"11 It)' 11'11I11" ulll... Ih'll" ul 11111:111,.111'" III Ihl" !i"IIII")' 11I~ItI/llIl'Hlllll,1 \\lIh I"~I'I,.I hi \lldl h lIullu",',
1',lIljllll', ....i1h 111l' 111.I\lf\lllll~ III IIII' 1lIlllIl'lU"ldy 1"1',....1111/1 ~'.llh'llIl') lIuk" 111111.IW.'I: tu) "V'I','A III wIIIIII'~
In "ll.' P,I)'lIh'1I1111 IIII' 111,11".1111111 "1', 1I11'I11,y IIIl' Ikll 1111' "',11111I'1 II" "1,1,11.11' hI 1"11.11'1, lit), ""h'~I, I.. ,t"l/II
'.llIh IIII' hi'" hy, III i1dnuh 111[,1111',1 '111,,'1 \1111111 ull/jI' Ih'l' It" Iq!"'I'II" 1I',h"I" \Ihll h III 1"",11'1', "111..1011
111":11111' lit l',eH'ul till' 1'111111\":1/11'111 1111111' liI'lI j III (t) "I'UIII'~ 1111111 Ihr 1IIll-It'I III lilt' 111-'1 1111 DIlII'(,lIIt'l1l
'nli~rAlh"y hI l.rulll" ~lIhOlllllll1l1l1llllll' Ilt'lIltl Ihlft ~I'nllUy rll~IIIIIIII'UI. If IJ'llIlt'f Ill'Il"IlIIllIr' Ihul AllY 111\11
"r Ille Itllll't'ly I" allhjrd hI n 1I1'1I \lhl.h m,IY nlllllll 1'IIIIIIIy lI\'n IlIls ~I'lUdl)' 11It.II\1lllrull 1~lIlh'I tIloy t:I'I'e
lI'IIII'\\'I'r II 11IIIIru IlkHIII~lllllllu'lll'll 11111111'-\1'1 "lIull ~nll~r)' till' 111'11 lit III~I' lilli' III 11I111" 1I( III~' IIllhm~ M'I
(.11111 IlhuH" \111111" It) ,I,I)~ ..Ill.., ,:i\lut! ..1,1111111'.
4, Jln/llnlllt 1'1'111'1"11)' 11l~llIllIlIl', lI'lflll\\'I'J ~hnll h,." 1111'111I11111\'1'1111'111. Il11W r'lallnK "'
hr.lt:'lIl1rr flrdr,llJlI Ihr I'IIIJH'II)' 11I~11Il'l1 nl!.llml Ims lIy 1111', h"'IlI,I~ 1111'111111'11 \10'1111111 Ihr 11."111I "r.lltlldrll
ClJYtIOAC. IIlhl nil)' ulhr, !tn/ntll" 11lt:!llIlIull fll/l/lh III III1'JIIIIII!, '-'n v.hkh I "lIller Ir'llllll'" Iml/lllm't, 'I hili
ItI\lllnIlO! Ihnll he IIlnllltnlllrtlllllhr n"I"tllll1 nll,ItHI Ilu~ 1'1'''IlII~ Ihnl 1"11,11" Ir'I"I,,", 11111 hI tlerrlllhl! filII
'l'l'lnl'l~lIItlll (lIllUr Ihr bulhllllltk 111111 IIIIII"I'I'l'lllrul. 1IIIIhl,! l'IIlIII'II)'. 'Ihl! 1r1611'I'flI:e t<1II11u 1'11I\1111111' Ih",
Imlllnlln: ,,"111 he lhmt''' hy 11111111\\"'1 ~lthJnl III 11'1l111"'~ "1'1"II\'ill \lIlldl ~hillllll/ll hi' UIIII'II~II11ill.ly
v..i1hlldtJ, 1I11111111\1.'l" lnlh III Illillll',llll UI\'\'IlI~I' ,h'mlhnluhou', 11'lIlln IIIIIY, nl It'llik,'llIllllulI, tlhlllln
l'lI'1'l!IIIl:C It) I'Hllrcl'.rllllr,'li "'thl~ 1111111' l'II1I't'I')' III nn'II'I'illl"I' "1111 l'llllllllUIII! rJ.
All IIIIUIIIIIU~ 1'/1111:11.'1 n/lll ,ru'"\\'nl, IlluM he O(\'l"lIlnlll\' III l.rllll..., nlld 11I1151 Indlll'C " 11/1/111111"
IIlIlII!:llge dltu.~ In fn\lllr 1I( nllll III n 11I1l1t lh'l"rl'tnhlr III 1 J'lult', I ,tllllr, ~hllll hn"c Iltr '1,:111 III hllhllhe
1",!ldn Ol,.IIC/lCwnl.. If Lelllln H"lltfl"S, III)IIO\\,'l'l .hllll 1'IIIIIIpll)' J!he III 1..L'lltll'r nIl 1l:[I'II'h ur Ilul.1
1111"1111111111 111111 ICIII".....ul 11I11Il'l's. III IIii' 1'\11.'111 II( lou, 1I11110\\'l.'r 1>/11I11 ,'I\'l! 1'111I11111 /Iulkc I" IIII.' 1IIIIIIlIIIce
c:ur,lrr nllillrlllh:r, Lrllllt'r IIIl1Y 1I1t1~I' 1'1111)( II( IllA~ l( 1111111I1111,' 1"'IHIj1II)' II)' lJ'III.)\I,r,.
UII/tn 1..r,"ler 111111 1I0llll"t' Illh..,.....I~r "",re III wlltlult, 11I~llIllIlft. 11"II:t~t1. ahnll he "1'1'1Irll '0
rnlmnllllllor ItpAlr unhc 1'11I1'l"lly ./11/11111,'1"11, l( 1/11' IrMlII/lllllllllr 1I'llIlh I, rl"Ullltluk'nlly rt'A~lhll! 11I11' 1J!I\lJrr'.
It'ClIdly Is IIIIIII"III"/lrl'. It Ihe 1r..lllrnIItJIIIJr Irl'nlr I. /lilt rl'ulullllknlly (,'n\lhle ')( 1.I:,"ll'r', 1t'\'IIIII)' .....""/.'
he Il:'~'ellrl'. Ihe IIlIII'Allr~ Ilrllrt"rllli AIIl1I1I.1" nl'l'"r,lllllhl' IUllIlI u','IIII'.1 h)' l1111i ~l:'l"llllly 1",lIlIlIItlll, \\ihdhr.r
or 11111 Iltt"IlI/II!:, "",1111 1111)' uct'u 1'11111 h, 1I""II\\t'I. It nllllll.....rr nhl1l1dlllU IIIl' 1'1"IIt~lly, IIf .11It"ft IInl 11115.....rr
\.Iillhlll:\O IIIIY'. IIl1llre 111I11I1""11,11'1 Ih!lllhe 11l~1I1i11ll'r nu,le, hll!lIlIh'lrIIIIJ 11'1111.' A dnllll, Iht"lIl.rllilt'r HIll)'
culled Ihe Imulnllce Ilf(jcrt'tls. l rlldler IlII1Y U~1e Ihc l'"ln't"111lIII It'l'lll, ur I...~lllIle Iht 1"II'lt,ly 01 IlIllllY '11l11S
~rcllled hy Ihll SccIlIlly ImllUlllrul, \lhrllll'r Ilt 1I1111hl"II tlUI'. 'IIII~ ,HI 11(1)' fll'tlll" will hrnlll \\111"11 II,I.' IIl1llre
Is AI"l:'I!.
I
l'nlleu l..rllllrr 111111 flllllU,",'t'1' 1,lh..I....I~1e 1l~It'e III w,IIIIlH, nllY "1'l'lIrlllllllln( 1'",cr(",ls 11I1'1111I:lflnl .hnll
hili ('J.!rnd IIr IMlslpolle Ihr Iflle dnll! Il( Iht' 11I0111111)' I'II)'mrolllll 'r1"fft'i1I11llll'iIIlll!,n'lh I I)r dlllllll!: Ih'l AIIIOI/III
"(tlll'I'II)'III1'ut,. IruIIIII"I'I1'Ul:llIl'h 1"1 Ill" !'1"1"'IIy I" un"",..d hy I rllltl'l', 1111110\\'1"" IIlthl h. nil)' 11I""III1CC
1't1lkil'~ lIud p"ln'\'t/"'(,~'IIIIIll,! 11011I iI,lIl1;1l,'t' 10 1I11! 1'llIpn'y pdllr III ,hr 1I1"11"billlJlI sltlllll'n,~!l III Lcntlrr II)
Ihe rJ.!cllll,r'lte 'UIIIS Sl'Cl"I'11 hy Ihl, ''',,\:uIlly III~rlllUll'IlIIIllIllI'tli.ltd)' I'Illlr It, IIII' III.:1IUI~IIIIl".
S, OcrUIlIIIlt')', l'l'r!lrrmllull, r.fllllllrllllllU' IIlld I'rllll'cllllll nrllll! J'rllllrr')'IIIIIrrn\lrr'.'I I.nllll
^1'1'1l1'll111l1l1 J.rJl.lirlllll,I~1 ('","lllllllllllllll~II'lllItlll'd 111l1l1Jl'\ldlllllllt'lIh, 1I1111'~.~ Ih"'''WI:''51111111111'1'1II.:nll''1I
11I111 l.ellllel"Illnll npl'lII\'nll'lII\1ldl'tI Ihalllle 1',"pl'lly \\'11' /1111 f".I',IIt"d 1t,lle I'nllllit'" I1S IIUIIIJ\\'t'I'Sl'tllldl'nl
re~hll'III.:l', 1I11111lwcr Ah,ll1l1l't.:III'Y, l'~lul.li,h, UIIIIIl'C II..! 1""I'~"ly 11M 1I'11II1WI'I'" plllldpnllle~h/c""" .....lIhl"
(/.) tlnys n(lel llle Uel"UllulllI( thIs StUll II)' IU511111111,'1I1 01111 ~hnll wlIll""r 1IIl1rctll'Y Ihe I'rllJll!lly os IIUJ'II\\'ef"
pdnclpol resltJrllcc ror Allrnsl I Yl':Ir oflt'r Ihl! tI,lll! IJrU(Cllfldlll"Y, ulll....s~ l'1l1llt'r nlherv.'ist direes In WIlli"!:,
.....hh:h ~.H1~r:,,1 ~llnlll1l1l hr 1I/III':I\IIII;lllly \\illllll'ld,m 1I111..!!!! uh'uunllllll dH'ltlll~I"IIl'l's ('.lI~1 \\..hkh nle he)'llllll
Illtllll\l.if'l" fllllllul. Hlllln.....er IIlInll HilI ,1"\III,Y, 11,"11111:1" III 1Illl'I1h 11111 I'wpcr')', nlluw Ihe 1"'Jptll)' ItJ
tlcleritll,Jlr, Ilr cUIlIUlII WI1~ll' 1111 Ihr "IIlI'rll)'. llilIlU\l.it"r ~hllll hl' III III'(UIIII I( AllY (",It-Illllt ndilln Ilr
I"IJI:rrdhll:, whelhl"r cI\lil 'If t;,ltlll,,"I, h hl'~I'"lhnlllll.ellrlc"" I!IlllIl tnllhJullllllll'lI1 Cllllld ,rlllllllll r",(dlulr.
ur nl': "'III'I:Ily or 1Ilhelwl!ll" /IInlcd,ll1y Impuh Ilfl~ liell (Iralrd "y 11th ~1't;lllily 11I!lIIHUlclIl ur l.emler's ~ecllllly
11I1err51. lluII"wror ~"nlllll~1I he 11I111'(1l1l111( lIillll,wrr, dlldnU Ihe IlIon nl'plknllollllft)CtU, gn\lr Illntrrlnll)'
(1I1.~r. IIr lu;u'I"IlIule IlIr"wlnlllln III III.Ih"IlIl'"., III "'1111", (III (i1I1.-.1 III I'llIvld,' Irlllll'r 'W1l1t nllY 1II111....dnl
111111111I11111111)111 l:lIl11wdiulI wilh lilt: I",tll t'\lI"I'III,t,1 hy 111l' ~'llh~, IlIdultllIl!, Ioullllll limited I", II'I'/I'~,"nllllhlll!!
(llIICelllllllt IItlflllWtl'S Iln:upnucy uf Ihe I'/II!,!!II)' n5 n "llndl'nl rt"~ldrllte, IIlhls SrcUlII)' 1/l~IIlIIllrnlls 1111
A Iri'~chlJltI, IIIJrruwcr ~hall wlllply Wllh nllIlH~ f1f1)yi.~llJlI" /lr lhe Irll~t'. If 1I..,wwcr nr'l"irc!l rtc IIII,~ IlIlhe
I'lIIpI:"II)', Ihe 1r.,'I!\clllJl., nllll "U~ rl'e 'illl! .~hllll IIullllC'I:C IlIllru l.rlltln IfI:rt'I'!!!n Ihc IIlro'l:r.r In wtllillll'
J( Ihlll Sccllrlly InlllullIl:lll I, 111111 UIIIt In 0 CllIlIllIlllllIllllll or n 1IIIllluellllllll tll!\lrlllf1ll1rnl, 11t,,'''.....!!r
shull pCIrUWI nil ur IInrtnwcr'l lIhllCIlllllm umler Iht tlcclnrlllillll ur l'IIYrllnlll~ crrnllnJ: or ~o\lcrnll1l: Ihe
CU,ulllllllnllllll or JlI,,"t1l'd 111111 t1r\ldUf1111""I, Ihe 1>)',lr'w~ nllll 'et:"llllillll~ IIr llfr: l'llI11lulIlinlul1l (lr plllUlll'I' unil
tle\lrlllj1lllenl nlld C'"I~lllllenl tlllcLlUlelll~.
6, "rolrcllllll ur I.rllllrrl,,\ 1t1~:hh 11IIhl! I'rllllrrl,., Ir Jllltlllwl:r (nil, IlIlll'r(orllllhr ClJ\lrlllllll,
nnd nl:'cellll"l1'~ clllllalncllln Ihl~ !ict"ril)' 11I~I/IIlllrlll, ur IhcII! I.~ n h'j!illl'llll'rt'IIIIIJt Ihn' III"y .I'lnlncl1lllly
"rred 1J:lldrr'~ rll:hh in III!! I'P'IH'lly (~II(h IH II JllIlrrrrlill~ III hil/lkllll'lry, I',olmh', tor l'lIl11h'lllll.lIiull IIr
rA I~IIIIIlIII'ltI''' !tA'H"'''.,.....'II' AII','nn"I,
rA/II'1"'1\
iou~ 1 :!fi2 Ij~l 115&
~":III"~A rA~
lilltdhlll! III I" rllr'"lr I,m'~ II' 'I'tlllI'llll,tI~), Ihj'III"'hll'l'III'~ II1I nUll I'll)' 1111 \\h,ltl'\'r, h l'rl't'HII')' Illllllflrd
Ihu \Inllll:'! "r 111"1"1'111'11)' nll,II"/11I.'I'~ tl'lhh IIllhl'I'IIII'''II)', 11'11.11'1" ",IIIIIt, 11I11)' IlIdl/lh'I'Il)'llItI nil)' UIIIIt
Ifrlllrll II)' 11111'11 "hhh hnl 1"1..'11)' 11\1'111,11 fij'llllU)' ItI~hlllllrlll, 11I~)llIn III~lIl'I/llr III"Ulhlllll, Ill'pr,I,ltlft III
tUIIII, PII)'IIlIlII'IIMlIl'lhht nlh,"w)'~' 11'1" nlllll'ulI'lIl1l1 ullllm l'Iup.'II)' h/III,I~I' It'II'II.., 11111l0'/Jtllll,t1,ln IIhl)'
1,1~lt 1II111111111Ilh'llhl~ 1111111111111111 Ii, 11'11l11'1 III"" iIIllllll\~ 111111, ftl',
^u)' nllIIlIlIlIIlIH~lllIHI'd II)' 11'11'/1'1 IlIIlh', Ihl, 1'"11'11'1.11'11 r, "hllll Itl'lllllll' n1hlltlllllnllh'I,lur IIUflIlWI!'
ftl'l'llll',1 It)' Ihl, NI"'ILII)' 11I~'"IlIlI'1I1 UIlI,",~ 1111110\\1'1 1111111...11"" 111111'1' In IIlhl" 'I'IIIIIL I" IUIYUI'.'III, 1111""
1I11111111lh ""ulllll"ll IlIh'II'~1 111111I1111' 1I..h' 1I111i~11l"'I'IIII'1I11111l11' till" '1'1 1111111 '"1111~ NUIl'''p!"""IU,',j It)' l'lw
111,11 1II1111l1 IIw ",,~III'~II'I"1111 ',Ih' 1111I1 d',IIII..' P,')',IIII,., ~'i1h Illh'Il'~I, "1"11I111'1111' "1111111"1111'1 hI II"I/IIWI"
It'IIII~'ftllllll Ihl)'lllt'lIl,
7, '''''IIUII.III, 1"11"1""' If~ "Mrlllllln)' IlInkl! II'Mt"lIIlllt' tlll,II'ft "111111 nlll' Imllrclllllll Ilrlhl'
111i1111~lly. IJ'IIIIt'r .hllll,d~'t' 11I111i1WI'1 lIolln' ullhl' "utl'lIf lit I'll.., I., 1I1l11l'lll'dlllll ~l'l'd')'11l1l 'l'lI~'llIuhllt
UIHlr. (lit t1111 11I~llI'dlllll.
A, l'ltIllh'IIIIIIlIItIU. 'I hit P'Ul'('t'lb Ilr nil)' n",'lIl1lm dnhll 1111 Ilnlllllllr", Ilht'd ur [I",~rllllt'1I111111
III t:llllllt'dlllll wllh 'III)' t:lIl11lClIIlIIIIIIIIII)I ulh..., IlIkl,," IIr IllY IlIlItu( 'he 1""1'1"')', II' (lit ~'lllIw~)'nll(l! lulll!l'
I,f !.:ulIllrlllllnllllll, nlll 11"'1'11)' Ilulllurll nud ,,11011 hI! Ilnhl hi 11'1l,h', 1\1111111'1'111'11111 Ihl! 11I111111111 ~rt:II'1'11 II)' Ihl,
St'l'IIl1y IIlM'IIInl'lIl, IIl1l1Jl'd III Ih.. It'IUl' 1,( nllY ~1'1l11ll Ulllllnrll!I', tlt'nlllllnt~III'"lhrl '1'1'1"'1)' 11l~lnltlll'HI
Au)' t',h:rn will he Ilnlll III IIIl' jll'I^OU~ 1"I:IIIIy 1'1111111'1111111.
If 1I1l! 1"lIllcllY I, nhllllllllllnl hy IIUIl/l\~'C', lIt It, IIfh', IIl1lk,' It)' IJ'ulft'r III llu"lIwrr Ih/lllh~
~'lIntJclllllllt lI'fel" It, lIIoho nil nwn..1 III 101'lIh' n dollll fur IJnllllll!U, 11"011\\'(" fnll" III ,r~I'HI'" Itll J'mh', "lIhlll
]Ud"y" Ilnu Ihe Ilnle Iht' 1I1111l"1~ I" t/,lvt'lI, l.rllJ/t" I" nLlIIII"I,rl' III (ulh'd AII,I upply Ih" PIIll.t't'11Ii ,nlllll!lllhHI.
t:lrlll~r In 1t'~llItnl\lIl1l't Iqllllt or lilt' I""P"II)' III hI UW "Ull1~ H't'IHI'11 hy IhL~ ~l'lt"lly Imllllnlt'lll, \\'1I1'lhrl or
11I11IlH:llllu~,
Ulilcul.tlldrr nUtI 1I1J1'ilwcr Illhr,W'M! "Illl'r.lll wllIltll!, nil)' "l'I,lkllllllll tlfll'lIn'rcl~ II, 1't1f1dplll ~h/lll
11111 ultmJ or 1'051110111': Ihe Ihle l'ule ur Ihlt 1II1llllhly I'nYlllcnla 1 lZrt'lI I'll 11111\ I'li"IlIP/lph I ot dlfllllltllhl! nmllunl
1'(IIICh I'''YIIII:':III.,
9, III,rrfl\h,'r Nue Jtrlt't1't'I'1 Fodlt'ullllln II)' J.rlllJer 1'111111 \Vul\JI'r, l!'-Irllshlllll IIr Ih!!: lime
for jlA)'I1ICI1I or 1II11111f1cnlhwl'l uf flIIIIIIII,",111II IIr Ihe 'UtH" ~I'I'I"rd h)' Ihl. Sl-'cllIl,)' 'llfth'"1l1'1l1 ll'nlll~11 hy
Lemler II) Jlutlowcr ur 10 fillY dlh:CC,uor Inltlll',ra! IIr IIm"lwt:t shnlll1lJ1 1I111'llIlf 11I1t'ltllJe Ihe ll11hlllly ""he
01111111111 UlJffUWer Itr 1IIlHflwr.r', SI":l'I:~Slll~ iii hllt'ln!. r (,lIdl't ~hllll /1111 Ill: 'rrll/hl'll III CllllllllellL'!.':
plllCtl"dlllRI "UllItUI nil)' MICt'l'!I!I'I' In In/rn'sl tit fl'rll~C It, (''-'''11I1 ILIlt: (Ut l'a)'1I1('ul or Illhr,wlH~ mmJity
IIlltlHll1nllnn IIf the limn Sl'clI'I!.1 II)' 11I1~ Sl'n,t1ly Imltl""clIl II)' 't'n~llIIlIr 1111)' 111'1111\1\1' IlHllle It)' 1I1l! 1If1lllnnl
1JIll1llwcr IIr lIuIltJwt'r'" s\tCl:I"IiSIJIS IlIlu11'11"51. All)' rlltl,rMnll.:t: h)' 1..('llllel 11lI!kt',d/lI/lC 11ft)' ,llIltl Ilt '1'1lI1!11)'
shlll/lI111 he n wnlvet II( II' I'I('dlltle 1I1l~ t''u'ld\t' ,,1'/111)' tll!hl II,. 't'IHl'II)'.
10, Sllnl''''~IlU filII' ^~~1'1I1~ lIulIIlIl, ""1111111111 Srlrlul Ullhllltn Cthltll!lIrt.~, 'lilt' Cllvl'uo1nh
nlltlIlUIl'r.III'UI" n( UIIII Sel'Il,II)' r"~IIlIIIII'II' ~llilll hlllt! Ulul ht'lIr/illlte ~Un:l'^\II',~ 11111 nA,I~II,~ lJr 1,I'lIdl'f nllll
1101111\\'1'1' Mlh!I'c1 III '"l' 1'11I\'blllll,~ 01 1'.II;ll!I,I,'" ''I (II), Illlllll\h'l \ 10\'1"1.1111'1 1111I1 n'ltl'l'IIJ1"lh ,.hlllll'l' In'nl
/llId "CVrllll. An)' 1l0'"Hvcr will) Cll'51~IIS litis Sl't.:lIt1ly 1,t.~IIIlIll~IIIItIlIIIIll" 11111 r"H'Clllr 'ht~ Noll': (,1) h (I"
lllcnin~ Ihh Sl'Cllrlly 11I5"1II1ICII( IInly 10 1I11111jinl!r, l!fAnl 01111 t1/11\1I'Y 111111 Ilullil\\Cr'S Inlcll'~t In lilt' 1'1OJ1l'lly
limier lilt: tellll!'! Itr Ihl!'! :il'(utily IIlMI1l1IlI'III; Ill) Is llol p,.,mllillly llltlirlllt',111I /1;1)' Ihl' 51l1ll~ "./:11".... 10)' IIlh
St'Ctllll)' 'tI~IIIIIIIl!ll1 nlld (I.:) 1I1!!t'I',\ Ihttll,rltd,~, 1111I1 nil)' IIll1l'l ll'"'lI\\W III11Y 11/:1('1' 11I1'.\Il'lld, 11I11111ry, rudlrllt
tI, mllkl' 1111)' nl'r:lI11llllUlJntlllll~ \-"1111 11'llfll,j hi Ihl' lr/tll~ Iff Illj~ ~;'~':Il''')' 11I\llllllll'lllllt Ihl" tlrll~ v.1'h'llll thlll
Bllrrower's cllmenl 1I,'d ""lIhlllll IhcIl"hy hlll'lIhlllij Ihnll!ItIIllWl'r'!I olllil:nlillm nllll Ilnhlllly ht',cullllct.
II. 1.111I11 CIIIIIJt(','i, lr III!! 1'"11I St'l;IIIl't/ hy 1111. ::;1'1~lldly 11I,\ItU"'I~lIl h 81lhjl'c1 It) n Inw nr
,rnnlnl',," \\tltlell '...1, IIlII.-IIIIIIt.. IrUllI dliHl~(,1, n/l,1 111111 Iuw Ilr rrll'llnllrll1 I, lilllllly 11I1~IJllrll!ll 'I) Ihlll the
Inll"lI~,~1 or Illher lnon ehllrl!1"1I C'IJIIHlt'd IIr III he Clllkl.'h:1111I l'IlIlIIl'llIulI willi Ihe lon/l HCl!rl' IIII' II!!llllillrd
Illllil'~1 Ihen: (n) nil)' '"ch 1"lerelil lind/lit 1I11lrr lunll chlllllu shllll he feducl'd Ity Ih~ AllIounl 1I(,I'I'S~lIty h)
reduce lhe IlItctr.\l nlllltHr utili:' 1111111 dl.1lIl\'~ tn 'Ill' JlClluilll'tllilllll; flllll (II) nil)' ,~t1I11,~ Altt';Id)' wllt-dl'd hUIII
IlllllllWt'r whkll u(,'fellrd prlllllllt'lllillllh will h,! fl!rlllldrl' III "'III/H\lI'I, L(,lIdrt IlIflY chll,,~e Ir) lI!1lk!! 1I11~
refund fly ledl/c1l1lllhr.lltludlllllllwrd IIf11lt'r IIle Null! ur hy lllllklll/l n 11ltrd ,,")'11Il'1I1 hllJutluwt'r, If n leruml
rt'lhlt'I'~ 1'1l11l:II'nl, 111I~ H'lhld.n" willl,,~ !trull'" 11\ n 1IIIIIIill plL'jlIIYIWIlI,
12, NIIIh:l'~. Any I\IIlke 10 JlorllJ\\It'r I'tnvlllt'11 rl" III IltI~ SI'I'lldl)' IU5!tumenl ~hlll/ It... ulven hy
dc!ivnlng IllJr hy 1IIl1i1i1l" Illly Iif~1 dl~5 "'nil "lib!! npplknltlc lllw 1t:IIIlI,C5 1J5C or ollfllht.'r II1ClhlHl. 'nll~
lIollee J!tnll he l1heclelJ 10 lltt' "'111'('11)' Addu'!!' Ot nllY Illht'r nIJd,n,. 1lIlIII)WI'llll'~"llll1lr5 hy III)Ih'1! In 1l!lUlcr,
All)' IIl1lfee III (.tllllcr /1111111 he ,!lVI'II II)' lirsl dH~1I wulllu '-CIIIII~t'" nlllll('5,. MillrllluHrllll)r nllY tllhct l1lhheu
U:llIlr!r c/cslglll\le!l hy llllllce lu IJIlHnwcr, All)' Imlkc I'llIvlded (ur In 11th :-;~tllrlly III!lhlllllenl "hllll h~ Ilftllll'd
In luIVc hrell I:lvrnlo IIHtlilwl!r lit 1.I'l1rb when "Ivell n,\ plllvilll'd 1111111" 1'II"'llll/l'h 12,
. ,.. 1?(l?
eoOll " I.. fltE
851)
r... nrlltlO rI:iI'1l IIAIII \lnIlW",u!, AIT ,IIlII,,11
rMH!)"fli
~rnnlft,'(^ rA:(
1.1. Hll\'rtllllllt 1.11'''' SI'HI nl.lIllr, If Ild~ :\r"lIl1ly Imllljllll'llll~ n ~I'II,...ll'dllllly HlUIll'il'~" 1I1l11
111l! ull.:lIlIIl plilldl',11 nltU'lllllllr I/lr. NIIIl' I~ ~,~(j,Ik.k1111 lo~. '1,.II'I,lII.IW llll,llllitlllh IlIw ~~'1II Itll\'rlllllll'
IlIh"I'~lli'hf dIMI:I'1! IfIllI..' Nlfh', Illhl'I\\hl', "111'11111""", l'I'lItI~)h,IIII.II,lw IIlId 1111)' 1".,llluw Ihll1 /ll'l'lkl
III Ihl:' 1"lIu:: III ~hlth Ih.. 111"1'''11)' h Ii" IIlt..1 ....11I '11\1'111 Il.h :ir. 1/111)' 11l~lllltllt'..1 (lI'drllll lilW 1111,1
Itl'lll15)lvnlll1llnw ....-111 nlw J111\'I'IU It... 1lIll'lnlluh'. Illlll!,',1 uulhr N.i1l' If 1'11111'1111" 1ll1'llllilll'llwl".,111l1l'11IIII
III tI.., NIIle l'lnl'.h S,~II,t"ll) III IIIIR :;"llllil)' 1/I~I"Il'II'IIII~ II IIHI111llftlly IIIIIIII~II/ll'l. 1/lIIII! l:vrllllhlll nllY
l'III\'I~llIllllllllllIAI' 1,'lhl~ ~t'IIlIIly 1"'IIHlll"IIIII1II11' N'IIl' ","IU, III willi 1Il'l'lknl.lc IIIW, Ill.h ullllUd "It,11I
11111 1111"11 IIlh... 1'1lI~1~I'IIl~ III Ihl~ Sl'lllIH)' Ill~III1I111'111 III 1111' t/,.II' \\"1, h 11111 Ill' 1I1\'t'H dh:d v.\.hlJIlI U..:
CIllIlIidlllU l'IIIVIIIIlIl '1"1 IldM 1'1Il1 till' pl,,\'I~illltlllIIIlIA !i"'lIdly Ill~ItIIIl1t'111 nlllllhr. Utlh' nil! Ikdatl'll III hI!
u~\'rlllhIT'
14, lIUftIlUl'I", ('1111)', 1I111111....I.r nl,~III'wll"lIWIl 11'\'1,1111 ur IIhllll1l"lll'Y I), n l"lIUrlJllllt'IIl"lIl'Y IIr
thL' NUll' nlhlllr Ihls I)r"..,lly 11I~1t"1I11'1I1
1.5, Snll! IIr NulI'I ('hUllRt' ur 1.11II1! Sl't\'ll'l'r, 'IIII' '''h'll! III n 1'"lllnl hllrlt'~lllIlhl! Null' (IIlJll'lh1t
willi 11115 Srt:lHlty '"~hllllll'lll) llIny I,.. ~'II,llllll' III 1l11111'1l1l1l'~ WIl/HIIII f1dlll nlltlre IlllilltlIlWt'r. ^ ~lIlr IUllY
II'MIII III n l;hnll~1! III t111~ t'llllly (~IIIIWIlII~ Ihl' ~I,llllll :;I"...kr,-) Ihnll'I,III'II'i 11I1'lllhl)' IlnYllIl'nlR dill! l'lllll" Ihe
Null! I1U.llhl, :irc""IY 11l~II11llll'lIl. '1111'11' nl.~n IlWY IH' 11IIt' m IIl1tll' l;h'III~I" lIt Ihl! II,nll Sl'lvlcl!r ullll'lnlrd
hI n ~lIlc "r 1I1l' NIIIl'. Ir Ih"II' 1\ n t hillin" Il( Ihr I llilll ~I',\'I"I'I, "'HI'IWI'I .....111 h,' ,-~I\'I'1I WilliI'll IlHlke I,r Ihl!
dlllllllc III I1cl:IIldl1l1l'C wllh IHHIl~lnl'lt I J nhll\C 111111 IIpplit'n"'e In\\'. '11w lIulln! will ~Inll' IIw lllllll'" lIIul nl/lltru
Ilr Ihl: Hew I lJnn Sl"...In'1 111111 the nddll'u III \\rddll'll}'lIIrllh ~llllllhl',1.' 11111111', 'I Ill' UIIIIl'!!: \\'1II1l1~lt (ulll.,I"
nllY ullll'r IH(IJlltlnllllll "'lllIllcd hy "pl"kilhk la\\'.
Hi. Ifll1llrdulI~ Sllh,'illlllll',~, 1\lIIIII\\Il't ~hllll 11111 t.:IIII5e III p!'!lulI Ihe 1"eSl'IICr, Il5r, ,Il~pmnl,
~h"nce, IIr Idt'n~e II( nllY 1J'l/nlllilll~ :\lIh~lnl1rl'l\ I'" III III !Ill' I'lIllll't1y. lIullllwrl Ahnll nlll 1111. tllll "1I11W
nuyuuc else lu .111. nll}'lhII111 nl(l"(lllI~ Ihl' l'llll'l'lly Ihlll I~ III vh.llllltlll IIr rillY FIl~hulllul'lllnl I JII\'. 'I he
l'If'l"l'dlll/1 1\\'1) ~1't1ll'lln'5 ~hl1l1l1l)1 "1'1"), I" 111l' pll'~rlll"C', lI~r', lit /lhllnlll! !lllll..! I'P'PI'II)' nr 5I1li,IIIIUnnlllh'.,
Ill' 11,I'ill>l"1I1I :;II"~llllll'l'~ 11.11I1111' 1~11ll"..,H)' 1l"l'1I'!lIlH'd hI I,,~ 111'1''''1'1 lilli' hi IUlllUlllll'~I.kllllnl ll~n n/llllll
1III1llllr.llal1n~ III IIII~ 1'1111'(,'1 y.
IIl1rtllWrr ~llnllllllJlllplly &I...l' ll'nJcr WIIUrllllllllt:e or O/lY \llvrstlcnllllll. dnJIIl, Ilrlllnlld, In\ll5ull ur
Illlll'r IlrllUll hy nllY gll"'C'rlltllr'l1ll1l Qr 'l'gUll,hll)' nerney ur pllvnlc plllly III\'Cll...hIR Ihe l'loprll)l OIul allY
1111111111111111 :illhslllllrr' III FII\'hlllllllrnlall nl\' IIr ....hldl IlHlll'.....l'r hns ndulIl kllH....II,IIIII!, Ir Ihllll).....!:r II'Mn5,
Ul' i.. l!Utilit'd IIY 1111)' 1!"YI'IIIIlII"IIIIlIIII /I'l'lIl,lhIIY lltIlIllIIlly. 111111 /Ill)' ,ClUOYIIIIIl IIlhrr 1I'lIICtllulloll IIr nny
IIll1ntduU5 liul/slllllec A,rt'I:lllIil1hl' 1'luI'rll)' la lIrrrulHY, 1I1I"II\Io'l't shnll pllllUlllly IIl~e nlllll!(,I'S5IU)' 'l'tIll'llInl
ndilHl5 III nCl:ijlllll"ce .....llh b\V~llJnlllCllll1r 1.11''',
AI "11'11 III Ildl ,,",nJlIlIl'h 1(1, "lI"'rul/lI'llI lluh~ln"cl'II" lItr! 1111151' Auhllllt1tU tlt'llnl'11 n5 hu,1t: or
1ll11nlll01l1 luhslnucd hy 1~llvlllltlllltHlllr IJlw 11I111 Ihe rlllllJ\l,rltlll luh^llltll"t,.\: !:1l~'III"r. h'I)II~lIr, nillrr
f1.llfwwhh' Illllllk p('hoh'l1tll f1llllhltl\,lolk 1"'~IIt-I''''51111t1 hl'lhk""'~, \'lIlitflll' ~1l1\'Cllh, IlWll'dll15 t'lllllnllllllfl.
n^llt'~,llIr. III (u'ltInlth'hydt', 11Iul,ndillll..Hvl' lUnll'dlll~, ^a ll~l'lllu IltI.~ "llIl'~tr'l'h I(t, ~FII\'hllllllll'lIl,lIl.,w"
1111'11115 rcdcllIllnws nut! rnwl'i II( Iht~ JII/I~.lidllln wht',e Ihe l'llllll'lly h rll~'uh'.llh'll ,dull! II) flr,lllh, 5n(('ty or
('nvllllltllll~lIll1r pllllccrlllll,
11. I.clllJcrl~ HIJ:hl~ lr lInfrlllll'r Fnll~ I" I(UII Ilrflllll!'ir,~ IHlII ^Rr~r:lIll'IlI~, l(l1ny u(lhe henls
IIr ClIllIlIllnn~ ut'scrlhctllll ~lIhfllllnl!ll1ph~ (M, (I)), (C), (I)), IE) or IF) tlf Ihl~ potll!;'"ph 17 5hnlllll:"Ir, Ihen
(I) I( lhr. ndJ!llIrll prll1ctjlnl nmllllnl ur Ihl' NIII~ l'.'crcdJl ,\.m,rKXJ, Ll'nd,',- tlIn)' trIlllht~ IIlul 1I11t1011tl fillY
Itlltlll'.tiah:ly lilt: t'lIlhl' nltlllllul 't'IIIl1I"I.,!! 1I11/,llill "wier Ille Nuh' nUll tld,~ t)cl"llllly In~IIlItIlCI1I; Ilr (ll) Ir Ihl!
ullvlllnl 1'llm'I/1I11 111111111111 Illlll~ NIlIl! h \~O,tXXJ ur k5', J.r.ndl'l, nlll'r !;lyl/l~ lIuI/Ilwcr liltlr.ly nnlire 11(
1I01l1l\~'('r'IIJ,!hllll ClItI' n~ I, 1I1l'1IIr'l'llh,.1 hy nl'l'lkilhll'lllw null 1""I11Wl'I'~ /,Iihlll.! III ('UIl' wilh!ll HIC liflle
pctiml II!I (1lI111 III sudl unlke, IlIny Ir'lllh~ Illnl IIllffllwrr I'"Y hUlIll',Balrly rhe l'llllrr 11111011,,1 'tlll"inlllll
IlnpnhJ "nder Ihe NUll' nlllllhl.~ Sr.cudly IU,\IIIHllrlll. 'I hla I('IIIIIII'IIIC1I1 will h,! clIl/cd ~ltllllll'dl,,11' PnYlul'nl III
1:1111."
.r l;l!hUer 'r''1ulr~, IlIlInrdlnle I'r\~menl In Full, 1.l!lIIlrr IlIny hdng: n IlIw,,,11 II, Inke IIwny nil llr
UOHower's Irmnlnlul!: dRillS III Ihe l'ltlpclly nm'lo hove Ihe I'llll'c~rly soltl. ^I Ihls Inle I.r"tler or nnolher
l'erMHlllIny n(ll\li,e Ihe I'wPl'lly, 'lid.. 15 k'llIWIl os "rllfedll&llte nnd 5nlc.~ 1(lhl:' 1"llcetdsllrlhls !lnle Ate
Insllflkh:111 hI rt'pny l..endl!r IIle nlllllllnls tllII' In Lellder (tIll1lllurtllwcr Utllll'r lhe Nole nnd 1/11111:'1 Ihls SI!(lltlly
rl1~It\lll'Ctll. I.rndl~r '""y. III Ihe tAlenl IIHI 1i1lli't,.lnr 'lllllllhlh'd II)' Iii\\'. olllul.. n CIIlfl1 jll,lllmtnl nl:nln~1
Ihlrrllwl!r l'eullnnlly rllr !Ill! IHrrl'lrllCC ht.'lwl!l!lI nil nmlllll1l., ~hll! hUHI 1I11llilwrr under Ihl! Nnlc 111111 IId~
~icCHtily 11l~ltlllllelll nn.) Ihe snlr. ptII(t'('lh. lil nllY Inw51111 rur rlllcdl"IlIl~ 111111 1I1l1f', 1,l'IllI('r \\11I helvc Ihe d~l"
10 (OlIn:t nIl CIII15 nnd l"'pr.tI~I!,~ Ill' IlIe (lllrduJllllt IIUtIIlUII! nlhm'l'll hy Inl\'. lhls luchllJl!s nlllHllcy'S (ees
nlld l'O~15 "r IIIII! evltll!flre I'rrmllll!d hy Ittlh:~ II' Ctllull nUl' nlllllllt'y'S ("':5 rllr hnuk,upky I'm('crdill's
(Im:llIdlnf: dr'HIS II) lUlllH(y I" \lncnle nny Illllll/llntlc slny lif InJIIl1dllln). ^ll slIch sums U Illoy ClIlIle "lie will
he se(ur~Ll hy Ih" lIenur lid" Sel:lltlly Itl~ltlllllcl1l.
I.r.lldcr mny 'l''illlte Illunt'illnl!! l'nYllu'lll III h.lll1l1dcr Ihl~ p.1fnltll1ph 1'1, H:
(A)
II I~ dtlc; IIr
I!orrllw-:o, rllll,~ 10 IIInkr: nllY I'''YIIIClll tf'lufwl hy Ih.:: Nllh~ or lid., ~\'Clltlly IH~lflllllf'/l1 when
Ml5rlJllllrl.'(1!1)1lA11I"IfIIITlJMIII,^rt:III1I"..,
eooit2r;2 PACE 857
I'MII!( ...,~
"'11 1I11 ft.'(^,r^.'(
(II) Illrrfllllllhll~'! dlllt'lI~hllll'l'~ lu \~hhh l,'dnnllllw IIlhl'lI\I'I'I'IU\ldl'~11I11 01 1I11Y 1':lIlufllll'
Plllpr"I)', m tlllY .I,tht lu 1Ill' 1'111111"'1)', i~ ~'Jhl 1/1 ltnll~h'lIr.1 \\IIIIIIUII"lIIl"I'. flllllI \\".IIII'IIII1'I~I'lIl (11l1H
11111111""1 I~ 1\1.1 n 1IIlIlIlUlllt'IWII, Ir 1I11l'1IdhLlllllh".'~lllIlIp""\\I'1 I~ ~lIld 1)111.11l~"'lIl'1l,; '"
tC) lhl Illllllklllhlll II' I.rUlIi'I, h\1t III lilt"" IU~II,ntl"r rollll'llHh'~ Ihrll'l'.lllllhllll"IIIl'U IlIlhlt
Slllh: III \\hkh Ihl: 1'lIIlIl.'lly I, hll"nll'd ,.,rU'C hll~'III' IlIllld"lIlml,dllulIlIl hIlU.lhJII~ nml 1/111'10'0"'111"1111 IlIIlhl!'
1I'III'."ly,II'
(I)) IJIHlI'Wr, 'IIlIa Ii) llI/1k~ nuy IlnYUIl'ul trllllll,11 lIy 1111)1 uul", 11I111111""", 11,,.11 "rlllulllt IIlhrr
.rl.:IJlII)' ImllunU:IIJ ItllclHuIJrllllB tH nrrC'dluR IIIe PIIlPI',ly, IIr 1'1I1I11"rl fnllll It, ~l'rl'IUI)' Illh" jlllllUhe t)t
nJlIC'I~IIIl.'IIJ III "">' al.'lIll11lHllllllllLtl.', .Iet'III'( Itll~1 III lIi1wr M'l'lIIll)' 1111,11111111'111 t'lICllHllwlltllt ull111rdlllN Ihl!
I '1lljlrll y ~ II t
(II) UlIlIllwr, rnlls II) "-1'1'11 uuy 111111," jllltllll/ll' III "IPI'I'ull'lIllnlhl" I)l.'fllllly 'mhllllll'lIl \\lIhltllh~
1IU1~"d rl,"h,ur Ir III' IIllw 1.,,<<:1 (Ill II! IlIlhI51in:lully JmIHIIIH'IlI, IhL'1I ~'llldllllte IIIIIU ,I'! 'IJlII! IlIlhe I1II11nf
1il!1I1111 I!lufllwer hy 1.J'lIllrq IIr
tI,) AllY ll'II't'M'lIlnllllll 1I1I1l1~ III lulilllllnlhlll ,:1"1'11 hI 11'1I.lrr hy lIullllw('I 1/1 l.:lIll1ll'dhlll wllh
lIulIlIWl'l'II ~l'lllll'lIl1l1l1 (UI Ihe hJllIII:..ltll'lll'td lIy IIle Null' III (nIH' II," 1II1~lt'/IIHIILlIIl nil)' 11Inlt'Il111 '(,~pl'd,
,
III. A!I.'\IJ:IlI11r111 ur ftrlll<'ll ^I'IIUfllhlll'lIt ur Ih'nh'rq I,cltdl'r III l'IIIi,~l'Ii~IIIIt, As nddilll)IIJ11
.rcllllly /ltll'Ulu":r, 1I1111l1Wl'r hl'll'hy IlhNIIl'" III 1.L'Il,ln Ihe 1('1115 IIr IIIe 1"IlI'I'Ily 111111(' ('),1t'lIllhnt lrfllt IHr
lIulllrllllll'UUtdl'll b)' Ille 1111ltrer ur nil n~"INlIllll:lllur lenlll \\hhh hfl511dotlly J)~t, IhlJ 5""1"11)' ImllulIll'lll,
plll~hlclJ Ilml plhlr hI fludtl"I'"u 11C'ltOr III nlllll11ll1l1lll1'lIllI( Ihr. 1"ltlll'lly, 1I111111wrl ,IIJlII hn~~ Ihe IIUht Ii)
l"lIlh'd "lILt Icllllll SUdl ICI1I!\ Il!\ 1I1f')' ht'r.:tIIlIC thlC Illllll'nyuhlr, PI,olI /Il'l't'klilllllll IItll'nr ur nhnnillllltlltlllllr
IIlc f'wpclly, LClltll.'r, illl'I'INllll, hy 1l1,'t'lIlll1 hy JllIlIdnlly fll'l'"IIlII'IIII.'U'I\"I'I, ...IHIII hI': t'llllllt'lIIIlI'llh', "1'1111,
IlIke Jl,,^Nrulull IIr flllllmAnn"l' Ihe "'I)l'l'll)' 11I111 hi n,l/cd IIle Iruh IIr Ille l'lt'pt.',ly IlIelut/11I1l I/lIue I'Asl due,
All H'III~ ';III1I:l'II'11 II)' l...cllllt:r II' IIII' '('l'd"'t" ~hll" he n!,pllt-II llHI h, l'il)'lIIl'HII.r Ihl! l"I'~" nr IIlnnnU"lIll'lIlnr
tin: 1'Illf1clly nlllJ clIll~c1hlll lIr Jr'I.h, IlId1Idll1f!" hilt 11111 11111111:11111, 'l'l'I'h",,'1I rl'I'S, 1I1t'lIIlulllo'llII If't'rlvrr'.
Iltllltlll lllli! rl'nsnnnhle nlhUIll.'Ys' kC~llItIIllhrlll" Ihe I\lllllS 51,.;1111:.1 hy 11l11I1)f'l'IlIily 11I1I1t\/l1I1'1I1. ^"Y Ircrlvt:r
tohnU 1.11:: linl,ll: 'I) nccllIlnl 1I111y rllr Ihllse Irl1ls ndllllll)' rl.'l"c1vl,t1,
19. Htll'l1~t. UPllfl 1I/I)'ltl'/I1 IIr nil Mtlllll H'I'I1Il'tl lIy Ihl.~ ~I'I'ltrlly 1IIIIII11111rl111 I.mlllrr ~IlAII
IlIlIdulIce Ihlll Scclllily '111111lt1l1CIII Wllh'llIl dllul:e IUlJlllltIWCt, 1II)IIIIWl'I ...hntl PAY nil [lll1h IIr Irt'IIU!Alhlll,
ir nny,
20. NI. chlrm or Clt'llll rur TII't(.~, lInulIw.:r will IInllll;1kc dl't/Udhlll rWIII or dllllll crrJlllln
Illl' pdlldpAlnr IlIlelrlll "rcUIl.'ll hy IId~ SI'L'lIJlly 1111111111111'111 II)' IrlHlll\lI( nil)' 'tllVl.'llllllrlltnllnlN. n~_~"III1Ulrtlls
II' dllll 1ll'R , 1I1111UW,'1 will 11I11 dollll /III)' dl.'.llldh~1I ('U/IIIIII' In\nhh' "lilliI' 'Illh~ 1'1I11'l'lly by ll'O~llllllr Ihlll
~kcllrlly II'IIIIIIIIICIII.
21. '"lne,,1 nllle ^rtl!r J1IlJUtllCIIl. Ih.lfrtHI,,'l." nl:ftC'1I Ihnt Ihl! 11I1('It'IIl rAle I'llynhle Mltr "
Jlltll:lllenlls entr,etlllM Ihe Null' 0' 111 nil nclluuur 11I01IBAI:I: rlll,dllSUtl' shull be Ihe IAle &llIlecJ III Ihe Nollt,
H. lthJu!f III Ihls Sec.:urll)' 11I~II\llllrtll, H 1lI1l! n, 1lI111l:: tidl:n nlr urclllrtl h)' ll11tlllWer IItlJ
u"(lI/llrlllllgclhrr willi Ihls Srcu,lIy 11I~"lIl11rlll, Ihe CIlYl'llnuU nUll nell'I'lIll'HI,. l,r r.lt'h such rlilrr ah"lf he
l/IIclllplllllll'llllIln nllllllhllll nlllrllll nu.' ~t1l'l'h'IIl,,'lIl IIIl! rn"'~ltIltIl'. ntlll n,tll"'II1':lIh t1r Ihl" 5ecllllly 11I~llIlfll('nl
nil I( Ihe ritlcl(S) w('le n pnllo( Ihls S('(util)' 11l~11l1/tlI'IlI,
IChr.ck nl'plknhle bO'x((,5)1
[J Alljllslnhle Unle Hhler 1.I Clllldtlllllnhrlll Hhler U 1..II'"",lIy
I~hll'r
0 UlAllunlrtl ra)'menl Hider lJ "Innued Villi IJ /Jlw"kly
JJevcloplllel1l Hiller IlnYIllt'lIl
Illd"
[I Olll!!,(.) 1(1I1"c:cl(yl tl nnle fllll'lll..elllenl U Srr::Il/ll'
Rider 'Illllle JtIJer
lOOK 121)2 f!C! &511
1'/\ "'IJIIU n'tI!I1"" rn Mnl UlI\un, ArC 110m",
rAflnJ ,,/4
wmjA",^r^;(
...........-..,....-....-..-.....'
, '
..-......"....'..
"
.' '
"
. ,
I' it
I e m)
IlIil
II
~ ~J~!
I .. f~'
I j~ e UaJM'
,~ ~
~ ' I
I
,
, ,
, q
I'
'.if Penr\l):~ltnI8 } SS
'IV ul Cumbol'dnlJ
il"ld 10 1he O'''Clt fu' thl recording Of 0...
'1 ..nd IQr GU"Ij."lp"d County. p,
I>'f'l. ~oo""W ,.,1 -=-_ Page 'j~"";h.
. ".. my hInd "",~.., 01 011". of _ '
",'i,.,..PAlh~-_daYold~, ll1U-
~-~f~T~
"'
(j.
,,'
,
"
"
,
I"
I
I'
1l,\I.I.lIlIN Nll'n:
'/III-: I-IN,\I. "AI'MI'NI' IINIIIIl '/III:; I'<I)IE I.~ ~IIII"I'ANI'I.II.I.\' ';IlEAII,ll 'IIIAN '1111,;
l'IlIWIOllli I'A "~II'NI~, 1'011 MIIH 111'1'.1\' '1111'. I'NIIIII-: IINI'AIIII'IONI 'll'AI. IIh1.MIII' OF
'1I1E I,O.IN ^NII 1IN1'AIII INII-.rIl',H 'IIII,N III/I-:, '1111-: 1.I'N1l1m IS IINIII':II rlo 1/III,IIiA'ION
TO IIEHNANCI': '11m I.OAN AI' "IIAT '111\11,:, \'011 \\'11,1., TIII('lI>,j<ClHF. Iljo, 1I1'IJIIIIlI'1I 'Ill
hIAI(E 1'^\'f\II'.NT 0111' OF I) IllIm ^ !'tS I,: I S 'fIlAT \'W/MA\' OWN. Oil )'CHJ \V I 1.1. 11'\\'1'. TO
I'INII A I.I(NIIIOIl, IV II I<: II MAI'llIn III-: 1_I:NIII-:Il \,IIIIII^VWI'III,~ lIMN \\'1111, IVII,I,INI; '10
I.I'NII "011 Till-: MONI-:V. II' \'I/III1I':I'INMH'I'; '1 illS IOArI AT ~1,1'llIlIln', "01/ MAl' IIAVI';
'10 I'AI' MIMI'; Oil AI.I. OF '1111,: <:I.II,\IN<; l'O~I~ NOIIMAI,I.\' A~,\II<:IA'I 1-:11 IVIIII A NEIV
UlAN I-:VEN II' \'011 OIlI'AlN 11I':lilNANClNII I-IlOM TilE MMI'; I.I'NIIEIl.
us s~~~~__....._____._.,__._._
"lIn"hAJlI ellht',l}
l'ENNSI'I.Vr\NIA
_}~~)'---.!JJ_!2.~l__~ .____
,).It
--.
112 1I11.1,fi1UfI: CIIll.'I...:, t:N-lI' 1111,1., I'A 1'101'
.---------iii,~;;tyMiJ"..)
J. 1I0IUlOIVEII'S 1'1l0MI~E TO I'A \'
I" ,durn rllt ,101111111111 hn\'t 11'(r!",rd, 11'ltJluhe ltlfin)' U.S. t2!.~,20 ,01) _~!... (11111111111111I1 Is
c:olltl) -IIIllIdpnl-),I'IUI Illluul, h, lilt: IHlll" ur the l..tllll't. 'Jlla Lemlrr I. ^lIIllllce rumllllll t'ulllpnll)'1 ft U1...hlllll or811"'I:,h"
Ul1l1k '1511, IUllllrnllud t1lhllhe l..rndrr IIlAY 1IIlIIfer Ihll Nule, '1he l.'-lIder or '''yune "'lIu I.ku Ihl. Nule b)' Ir.n.rcr .1Il.!
....ho II cnlltlrJ 10 rcc:r1....e I"ymenll umlcr Ihls NIlI.e II (1I11c.J Ihe "Nule Ilohlcr,.
2. II'HEIlE~'1'
Illlutll will he clloq;rd IIl1lhc unpnhl pllndl'nl ulIllllhc rllll nllllllllll u( ptlnclpnl hili hnn llnhl. I will '111)' Inlclul III
II )'rnd)' ,nle or -...!.3...:.~~'" Illterul will he chJlII:rt.lllllllllhc 1IIIIldpnl IIns hcrllIlnlt.lIII (ull.
'!llle Inruul rale '('lltllnd h)' Ihll Sel:lllll1 1111he rnle I will 1'1t)' holh "erme '1I11I.Oer '11)' IlrralJlIl'ucdhclJ.ln &ecllcm
(/(11) IIrlhh Nole,
~. I'A \'MENTS
I will pl1)' l,rlllclllnllUlllllllrrut fl)' /lIl1klll~ '"I)'IUI'III. c"'l:'r)' 1I111111h. llnch or III)' 111111I1111)' pn)'II11:IIII, ucerl rl/r Ihe 01101
phymenl, wlllhc I" Ihe 'Ulul/nl or u,s, $_~_~O , ^lItJllllnl.1l Icheduled "')'1"1:'1111 or
principAl 1"t.lIIIICII:'II .re mAl'e olllliclr l.hlc dnln, Ihe I1noll'")'lI1clIl will he U,S, $ 6R I )~IIj,)) _,
I wIll mnh 111)' lIlunlhly IHlymcnls IlII Ihe _~~ dAY or rnrh 1II0/llh hCllln/llflllllll _~::,_ I ~
19~. 'wllllllnkc Ihele I'n)'11Irllll urry 1lI0nlh 1I111l1_.~_IL_______, _ 2010 l"n which "'lll~ I
will r,l)' In (1111 1111 or Ihe felllnl/llllR PllnclPlll, ICCI\ICIJ Inlcltll .ml "")' otller chnrllu, IIClCflhtllllldllW, Ihnl 11lI1l)' OWe 1I1\lltr
IIill Nute, l"ll~u "pl'Ih:llhle Inw pro\'ldcs nlhl',wI5~, JllIl'n)'lIlenh wilt lIe ,,!,!,Uri! li'll 10 nr:cl\lrll "flllllnpnhllnh!rUI In Ihe
Ilnre IIr flll)'lllelll nllllllle remnlllder, If nil)', III lIu: "upnhl pdl1dl'nl "nluJln:, ^n)' Ilflll dlllllOr", cnllcdlnn t'f1~1. 111111 c'llI!nltl''',
ol,honored chl'ck chnrgles Gno pn)'Ill(1l11 fIlndl! II)' Ihl! NIlII! IIllldl'r III enr...,ce 1111, Nutf': ulhllor 10 pruled !lIe Nil/a lIuhlllr'.
Inlern!! unocr Ihe Stcurll)' rll~II\1l11U11 (III tlr/illiJ In Sicllun 9) wHII,e Jlueut'd 1CI'I1Inld)'.
I will mnkl'\ lilY lIlonlldy pn)'l1Icnll AI
135 Chplttnllt Ridp.e Road, Motltvnle, NJ 076/.5
- -
I IIr Al a olrr(rellll'l:,ce If rCljlllrcJ by Ille Nllle Holoer'l
'. 1I0ItUcnn:lt'S 11IGIIT'I'O I'IlEI',')'
I hDYe Ihe ,1t:lIllu lIIake I",Ylllcnll!)r pllncljlAI Dl/tIlY lIme l,erlHl: IIlc)' DIC tJtle, ,^ I'nyrnrnl of I,rlndlllll o/lly Irknllwn
ns n -CHrl'lt)'IIIJ:I1I.-
I IlIny mnke I rlllll'rcllIIyulI:111 or pIIIU.lll'ltl'il)'mr.nls wllllf)flll'n)'lng III)' lHcpnyltlJ:nl pennlly. 1111: Mille Hnlder will....
UI~ 1111 or lilY prcpnYllICl11! lrl rtthn;e the nllulUnl or IIrlnclp,ll tllIllI IIwe 1Illtlr:r Ihls Mlllc. Ir IllInkt: B rnrllnl PtClll')'IIlCIlI. IhlllC
will he IIn c1f1l11gcs III Ihe dlle dnlcl nr I1flltlUtll$ IIr III)' lIIonlhly III\)'Ulellls Ulllf':u Ihe Mole Jlolller "UrcJ:1 III wrlllnll h. 1IIOIe
cl1nnl:e~, l:lcrpl AI flrtJYltletllfllcclllllI .5, IIle Nule 111I1,'rr enrm nllY I'lcpulJ nnlll1te chnrce IU llle Iimc Ihe lonn Is mnlla ""',
no I'nlt or II will he reruntled Ir J 1'0)' In rull nhl"ntl of Idl(lhdr:,
5. 1.0AN CIIAn(;I-:~
If. law or regulnllun, ""hlch /tppllu In lids lnnn Aflll ""hlch Ith IIInlllllllll\ IUIUI chnrges, II nnnll)' Inle'lHl!:let.llo Illnllll,;
In'c'c~1 nr IJlher Innn c1lnrlL'=s cullcckllnr III he ClIllcclt:1111l cUllncl:lilln willi II,I.~ hum ClteC11 till: perllllI1CIIIIIllII.~, lI,ell: (I) AllY
luch Illlucsl /llllff,,, oIlier lunll ch:u!;!!! shall he rClhlcl'Illty 1111,: nlllllllnl IICcc~51Ir)' lu reduce Ihu 11l1l're,~1 nml/or ulher 111111I
chnt&u III Ihe ,'crmllled Iimil; And Iii) An)' tUIU~ fllrtnll)' Collt'detl rllllll I1le which Clccetletl perlllhlcllllmll~ wlll he reJlIllllclI
In 11l~, lhe Nille ""Itlcr 11111)' (hnll~C tlllll:l~~ this ,~rllrlll hy n'lhll,:IIII: Ihe I'r1J1clJlullllw~ ulIl'er IIlls Nllfe nr h)' milking n dlrcr.:1
III1)'f..enl lu IlIC, Ir 0 reruml ICUIICtS principal, Ih~ rellllctiun will he lrl!fllcll ns n Illllllnll'rel'n)'lIlelll,
6. 1I0nltOIVEIt'S "A I LllltE TO I'h\' AS ItI-:()lJlltrm
(^) Lnle ClJnrgcs rln O\'enlue l'n)'H1enls
Ir Ihe Note 1II)IJer hll! nol fl'nh(llllu~ rldl nllltlllnlur nny Illonlhl)' Iln)'lIIenl h)' Ih~ elll' of Cineen (1.5) cnh:l1Ilnr "'nYI
Pflcr Ihe dnl~ Ie I~ 1111~, I will pny n lllre (:h,lr~l' Itl lilt Nnh~ !Il1hl!'!r, lhe !lUII"11I1 or Ihe ehnrge wHI he rl\'c ptrcCnl (.5'1') Ilr
Illy IdlCdlllcd pnY"lenl or I'rlncipnl nlllllnl(/(~1. I will P'\)' lids Inle chn'l;e 'IHUHl'lly hili ollly oncc on J:nch Inlc Iloynll:nl, ^J1Y
1IIIe Ch.1rGll will he In nddilillll 10 1IlIl'ftst 011 HIl~ IIICIl uUlslilmUui: I'rlndpnl fur tnch tlil)' Ihe (In)'menl 15 Inll!,
r,\l1lIlIlVI'A 1IIl,rnvISI "'XI!IIII"'lI'An ~rlil"l)ltl, Me
tI'Irr!'Cln'''''1
"All"' Ill' I
ItIMIM "An
llJ)IlHolltll
" 'II" IIHI P"Y IIII! filII nllllJlwlll( rill II UI'lIIlldy 1',t)IIII'1111/1I IIII' If,IIo' II I, dll", I "It I Ill.' III o/1'I,lull. H 'lUll 11l.ldlll,11
",111 'he 11111:111111 pdmll'lIIIlIllUlIIIII,rlhl~ IlIfllI I~ ml'/ \~Il,t)l),', IIII' tlulr 1111,.11"1 III'IY ""1',111'1111' In P,IY IllulI"""Ildy Ih.! 11111
UHI',lhll'"I1lIIl,II hillolll,;r Ilhl. 1110111:.1 nll,II'"I"111I 11I1"r,'~IIlIllI'HlY 11111'" nllllllllll~' "'1"111""''' 11.,,11" lid, hUIIl, tlll\\""I", If IIII'
1I.llllllull"lndl'dl 111111111111 UIIlIY ',ulII II "1),1):10 III h'u, 1111,1111111 111111'1011111, IIII' till!" 11..1.11'1 ""I" Irllllllll' n wlilh'lIlIlll~'I'
IdUIIl1 IIII! ""111111/,, 1ll,1"ny IIII' I."'ul-II' 111111'11111 "1,,, P"/IIlIIlI'" I')~I~ fIIlll "11"'11\1" by II '1"',1111 11,111' Iln' tlllh' 11,,!tln Ill,'"
11'I11111" '"I:' h, pny 1IfIIIll'IIIlllrly Ihll lull lIul'nld IllIllI Ipnll,.llullI:e I.ltll nll:lllr,' nlld 1l1l1'1I1111111C'ltllllllll 1I11Y 1111..., nllllllllllll!h~1I
II"" 1l1li1", Ihll 1111111. '11111111011,. 11I1..1111' nl Il'nll .HI IIIIYI nil..., IIII' Ilnll' III' \~llkh Ihe 1I111kC' II Ulull,..1 hI 11Ir. III. Ir i111 11I,1
1Il_I11v", ]1) II'IYI IIlh', 11)1' 11;111' 1111 ....,I~I Ii II lk Ildhrh',llu lilt",
(qNIIWIlI...tr flytllllf 11"111,,
1!""1f II, .1,,111111' "111''' I '11I III Ilrfnllll, 11I1! NI)I!! Itll"'!!' 1/lJrI 11'111\,'11"11, /lit /111111)' 1/llIlIr,jlnlrly III fUll II Jtlcdlll!IJ
11111,,,1', lilt Null! 1I111,Iu ""I &IUlIIlI\tt: IIle "~'.l hI III1 III If , .11I III L1C'rlllltllll I lulu lillie,
(0) 1'''~HlfnllJ' t~lll!! IIIIIt/n', I.'ulh "'ll' bprll~'s
Ir Illrfllllll, ""llrllll'l III lIulllll1 Nllle 11111111'111111 h"IUhI'IIIllC lit pny lIulIlr,lIl11r1y III rllll " llral~llhrl'lIhl)\le. Iht Nlllt
Ih,hlc, will hllH! Ill, 11.:11111111' flnld bd,:1I lIy lilt (II' DIIlIr III clIlll 1111,1 Ul'cllln III fllrllldna: 1/11, Null! h) Ihe Ultllllllll
I""hlhllrllll)' n,,!,Bulllt' Inw, 'lhIlH' "'prIlAr. lllrhllltl rl'r unlllf1lel ItllAlllhlhle IIlhl/llty.1 r('tl 1lIl11'lllhlhllt,' hy 1I1'pl\cnhle
low, I ""I nl." PiIY' d'I1'~e III ~Il) "h" 1I11Y ndunllMl1k [hllll1l!~ rllr fnch J'~lllllll"l'IJ [htl:k, 11IIIn or olhrr IIIShUlIIt",lullC'J
lIy Ill!! 11I11<1)'lIIcnllllllhh IUlln,
"
7, (;IYIN(i OF NOTln:S
llllleu "l'pllnl)lI: lAW tr'jlllIrs I lllHell'l1ll11rlhud, nil)' I\lJlke IlIpllIlIl.1 he &lvtll It) me ulldtr Ihl. Nllle wlI' he II\lfll
by Iltllvrlllllll ur II)' llIullllllt II lIy 11111 dll.. llInlllu me nllhe 1'llIprll)' AlhllUS .hIJ"c ur'l . JlffelC'nl ndd,ell I( , live Ihe
NIlle Ihlldr,.nullee: uf lilY IIIf(clclIl 'Ihhrn,
AllY 'lnlke 1I11llllltlllllC ,I...rll hllhe NIllr! 1I,,1,lr, unllt'r 1I11s Null! will lie .1~e:1I h)' lIlnlllu# II II)' n'll clAn mllU 10 till
NlJle IItl/l't:r nllhe: ,lldlt'U Ilnlrll III :irlll,,,, J uhuu Il, .lllllrreltlll "L1d,uslr 1.11I Niven. ulIlke oflllnl I1lffC"~1I1 II1I1,t'..,
I. 1I01l1l0IVEIl'S \yhlVEIIS
I w.l...e my rlghh hI rrrpllle Iht' Nult' 1'lIldl" IIII/It ctllnllllhln.., 'IJtll~" IhlnGlllel (A) It, L1rlllGlull'l'lynll!lIt IIr '1II1111111a
Jlle (kt!uWIl ru ~1"flfIIlllIrnl'); {II) 1"lll~e Illllll'!': I/Inl nlllulwlll due hAVlt Ill/I hrt'1I11il1a1 (k'IIIWII A' .'lIllke IIrJI.hUIIIJ'.); (CJ
In IIhllllll nn llflidlll l'{"lltknllull IIr l1Il/lpnYllltll1 (~urIWII n5 n ~llIlllt'II"), Anynul! rl\e (I) willi "urC'tllll ~t"I'lhe prllllllau Illnlll!
'II Ihl... Ntlh', III (1I) \A.IlIl nt:Il"'~ 111 1I111~1' 1',IYIllI'/lI~ I.. 1I11' Nule "'lllln lr I r,lllllI ~I'I'I' Ill)' 11I1I1I1I\l:s IIllill!r Ihls N'llel 0' (III)
\\hlIIlIGIIIII.ls N..t... h,llnm(i.:, II 1"lltlIlIC/lIlC d~c (~IIIl\"'" fl. "ltlllllnllllll', Slllclll'5, nlld t'llIlll15el5~). nl~l' wnl....u these ,IIlIII,.
" TillS NOTE COYEIlEIIII\' h SH,'IIIIII'l' INSTllIl~IENT
A ~tru,lly I,UllltlllClllllr r'Yrn d,ilr nJutllllljll/l n II,'~qll,llllllllr Illy Ir..1 Jllllprlly plflltl.:h Ihe Nule IIII/drr f,ullIl'll..lhl!!
"'SM~I whidl milltll Ir!lIlllr 1,111 11111 ~rl'l' II.., l'IHulln's ....hl~h IUlllke 11111118 NIlII!, 'Ihl. NIIlnls .r[II,I'I/ hy Ihol StclI,lly
Ill~llllIUCIII, '111,,1 SI'L.:11dly 11I511lI'llrlll'h.'H'lih"'5 hllw l1rlllumlcr whlll clluditluII5I lIIny he 't'II"lJtd hllllnke Itlllllcililll~ pll)'lllcnl
In rulllJrnlt nUlllltlllslhnllllWI' umlrr lhh N')le,
III. IlESI'ONSIIIILlT\' OF I'EIlSONS UNIIEIl TillS NOTE
lrlllllle Ihou one penullll~nllhll Nuh~, I'ocll uru.l. rulf)' 1I11"'l'tllllllnll)' uhUa:nleJ 10 pll)' Ihe rull '"IIOllnl owed 111u.
Ille chllrgtl u l1escdbrt.! III Srl:lflJlll fl(A) Gild 6(0) ond hi hellnl/Ilr Ihe /lIllUllstl mode In Ihl. Nute, Any lunronlor. .urel)'.
ur elulnrlt'r Ilr Illt~ Nlllr! (os I/rscdhrd III Srclillll 8 nhll\tc) I. nl.u u\'lIg11lrllIII llu Ihru Ihlllgl. The Nult: Il'Jhler mAy enfllle't
lis ,IGhh Ulllltr Ihls Nule "un1nsl uch or u. Illl.Il...lllttnfly nr nlt,lhl5l ollllr u~ IIIj;e!hcr" Thl. menns Ihlll OilY line or "' moy hI!
l"'qulreJ 1<> pJly ollllr Ihe 1II1111UIIIs owrJ un,ler lids Nllte,
AllY IltUnll ....lIn Iilku IIvrr illY lil:hls II' uhlll:nlluIl511111/cr Ihls NIIII! will IHwe nllor illY IIUhls IUlIllllll51 lie!!!, nllllr lilY
I'ttllldses HInde lit litis Nllle, An)' pCIIIlIIWh" Inku over the r1llhlt IIr ohllgrlllllllS IIr Illlunr:Hllllr, IllIeI)'. ur en"'ouer of Ihla
Nule (115 lltmlhrd III Sl'cll.lll H lIhi.ve) Is n'~r, llhllllnle,lln liceI' nIl ur 1111: 1'1ll1ll1~es WilLIe III Ihls Nllle,
II. hl'l'I.IChlll,E I,IIIY
11115 Nnle sllnll he GnverllclJ hy Ihe 1,\\\1& IIr Ihe Olllllllflllwenllh or I'ellllsyl....nnln nnd OilY npflHcohle tctlunllow, In lhe
even! or. coulHcI helwcell 1I1l)' r/llvlsloll ur this Nule nllt! nil)' r~II~lal UI" I'cntlsylvonln lI!llllle, low ur reguln!lnn In erred ns
IIr the dille IIf IIlls Nule, Ihe slulult", Iflw IIr Il.'Jtlll.lillllllhllll WllllOllo thr. tlll'nlnr Iltch clIlIlIlel nlllllhe CIl/lllkIIIlU provision
(1IIIIoll1(lllu Ihls Nnfe: _hall he wllhn,,1 dr...t.:1. All nlllcr prllvlslulIS or 11115 Nule! will (('lIIoln rull)' drccllve lilli' ellr1lrCCllhle,
WITNESS TIlE III1ND(S) hND SEIII.(S) 01' TilE UN,"WityO. ;J {jJ;t{?
~:(' ~6x.~ (5..1)
ChQrloll McCown .l)oHOWtr
~b;,~(),' ~G &Un/ (5<01)
~~-':idR ^. McCown ~ .UuHowrr
,(.1..1)
,UlJrmwer
___(.1<01)
.nll,ruwer
r~ WII OV"tlIlO,~lsrrIXI1U ",,'CAn ~flOHlIrll, Me
HOI'rruor"",
rMlI!JOI'J
NrOlI"" rAil
TIlE I.,\W
__".' ,., I ," ~ II t _. __.-_____,...___.____... "___"."h__" ,.,..,.__..
(;J(J~'(;OUr .I,HMWI..\/Y
If you aLtend n face-ta-face meoting with tho lender, or
with a cOl1sumor crodlt counseling agency ldentlfled in this
notice, no further preceedlngll In mortga\le forec:loBlIre molY take
place for thIrty (30) days after the date of Lhot meutIng.
'I'he name and LeI,~phonu number of lho repn!:lUnLilL.lve
1st Mark Abbott
Telephone Number: (1-000 ~5l-1093 exL. 60'/2)
'I'he name (5) and aUdl'QSS (es) of the dOlll,gnilLcu consumor
cred.lt counsellng a\Joncy(lcs) ls(are): Boe attached
It Is only neceBsary to Bchcdllle one folCo-lo-face meet.lng.
Vou should auvIs() Lhe lender lrnmed.lately of YOllr Intent lonll.
I f you hav,' Ldod and are unable to rOllc>lve Lhls problorn ill.
or aft.er your faco-to-faC'o mo,~Lin'l, you have Lh,' riqhL Lo apply
for flnancIal asslsLilnce from Lhe 1I0meownors' ',;morguncy Asslstilnce
Fund. In order t.o do Lhisr you must f.lll (/lItr fliqn and file il
completed 1I0meowners' Emerg(!ncy Asslstance Appl.lcatlon with tho
Pennsylvan.lil 1I001.~ln'l Finance Agency. 'J.'he consumer credH
counseling agency w.lll assist YOll in f.lll.lng out your appl.lcaL.lon.
It must be f.lled or postmilrked wltb.ln thirty (30) days of your
face-to-filce meetIng.
You must elther milll you applicat.lon to the Pennsylvanla
flouslng Finance A\J,~ncYr or you mUlit fIle II: ill: the offlcu of onc
of the deslgnilted conslImer cred.lt counsellny a\lencles Ilsted
above.
The Pennliylvaniil 1I0us.lng FInance Agency iB located ilt 2101
North Front Sl:reetr P.O. 130x 0029r flarrisburgr PA 17l0~).
Telephone NlImber: (717) 700-3000 or 1-OOO-]~2-2 ,)9'/ (toll free
nllmber) .
An appllcal:lon for Dssistilnce may be obtilined from lhe
lender, from a consllmer credlt counselln\l agencYr or d.lrectly
from the Pennsylvan.la 1I0uslng l"inance Agency.
It .Is extremely .lmportanL lhilt; you fUe YOllr dpplicdtioll
promptly. If you do not do so or .If you do not follow I:he other
time perlods set forth ln this letterr forec.losure may proceed
ilgillnst your tlOmeinul\(!dlate.J.y.
Avallable fllnds for emergency mortgage assistance are very
lim.lted. Thilt wIll be disbursed by the Agency lInder the
el.lglbil.lty cril:er.lil establ.lshed by the Ac.t;.
'rIHIIU~ L.'\W
,. ,.. F , .: ,,~' n ,..
UREUOR\' ,1:\\'AlUHAN
'/'/.'K\'II/"I,'ilIl",,",k,'
,I'"II..ffll
,'i/,,,II"""I"IIII.1lI 111'11'"
I'IHII/V, fJf~) 'fIJ.'Xl'HI
Jrtl' am IJ./J,'I6')~
June 24, 1997
1~lh""'pll",I)ni"
.VIJ/ 111""'/ S/m"
J",II.1,NI' ,I'/Iil.
l'hill/IMpMII, HI 19/11,1
TO: Charlas McCown
Patricia 1\. McCown
3505 Count ryslcla r.ane
Cmnp 111l.l.r 1'/\ 17011
1)It'm~"'pl)",,
,vIII,h"ml"ml()f!ifl!
IMPOH'l'/\N'r: NOTICr;: Of' HOMr;:OWNEHS' I-:Mr;:RGP.NCY
MORTGMlP. 1\RRIST/lNCP. /lCT 011' 1983 pr.p./lRp. RP./lO TIlT:> NOTICE
YOU M/lY flF. ELIGIflU: I1'OR f'TN/lNCI/lL
~~~fSTANCF. TOWARD VOUR MOR'rG~QE pAXMENTS
RF.:, Accollnt (loan) No.
Property 1\c1dress:
0660700926
02 Hillside Circle
Camp lIill, 1'1\ 1701 I
TO: Charles McCown and Patricia A. McCown
fROM: 1\IHance FundIng Co.
Your Mortgage is in serious default because you
to pay promptly insti'lllments of princIpal and
reqllit~dr for II period of at least sIxty (60) days.
amollnt of the delIn'luenr.y Is $'Jr3.35.00._
have failed
Interest, as
The total
YOll may be ')l.lgible for fInancial assistance that will
prevent foreclosllre on YOllr mortgage if YOll comply wIth the
provisIons of the Homeowners' Emergency 1\ssistance /lct of 1903
(the "1\ct"). You may be eligible for emergency temporary
assIstance If your default has been caused by cIrcllmstances
beyond YOllr control. and if you meet the eligIbIlity requirements
of the 1\cl' "" d(>l.el'mined by thf> Pennsylvanl" 1I0llsing I1'Inance
1\gency. Plea:'le r(lad all of thi.s notice. [t contains an
explanation of your rights.
Under the act, you are ent ltled to a temporary stay of
foreclosure on YOllr mortgage for thIrty (30) days from the date
of th is nOUCf). Durin'] that t.ime you have the ri.qht to arrange
a "fac~-to-face" meeting with the representativu of the lender, or
with a designated COllsumer credIt cOllnselIng agency. The purpose
of that mooting is to attempt to work out a repayment plan, or to
otherwise settle your delinquullcy. That meetIn<J must occur in the
next thl rly (,10) daY~I.
, ,
"
'I'm: 1.,\\\
II "'1 'I \ II'
I;]U':I:/ m I JfUIWf\IV
If YOll <1tt.nnd " faco-to-face meeti.ng with tho lendor, or
with a canslImor credit counseling agency identifled in this
not Icor no fllrtht'lr procoE.dln'JH in mortg,lgo forCicloBuro may take
p,I""" I<,t' I.hlt'ly ('\(]) clays a(ter I.hll <1<111' or Ih.11. mooting.
'J'hp namD ,Ind I: .1l.'phone nllmbo r 0 f tho r"p rnsell ta t.1 ve
I,Fit M,Hk Abb,)l:t
Telephone Number: (l-OOO 451-1093 ext. 6072)
The llama(s) And addreus(es) of the designated consumer
credit COllrl~ll~llllq iHJ'!tlCy(Jos) is (are): sen ilt 1..ldled
It is only nocessary to schedulo one face-to-face meeting.
You ilhould aclvIso Lhe lender immE!diately of your intentIons.
It YOll have triad and aro unab10 to reso1va this problem at
or after YOllr face-ta-face moeting, you have tho right to apply
tor financial a~'slst."IlCO from the 1I0mHown<~rs' I-:morrJency AssIstance
Fund. In ordclr to do thisr you must fill olltr sign and file a
completed Ilomoowners' Emergency Assistance ApplicatIon with the
PennsylvanIa lIousing Financo Agency. The consumer credit
counselIng agoncy will assist you in filling out your application.
It mllst bCl fl.led or postmarked wIthin thIrty (30) days of your
face-to-face meeting.
Yon mnfll' pllhl'r mall yon appli,catlon t.o Ih,' Ponnsylvanla
f10usinq [-'Inance A'JI'llcy, or you must. file It at I.he ofUce of one
of the designatod COllsumer credIt coullsellng agencies listed
above.
The PennsylvanIa 1I01lsing FInance Agoncy In located at 2101
North FI'ont ~;treet, P.O. Box 8029r lIarrlnburgr PA 17105.
're1ephone Number: (717) 700-3800 or 1-800-342-2397 (toll free
numher) .
An application for assistance may be obtaIlled from the
lender, from a consumer credIt counseling agency, or dirnctly
from the Pennsylvania 1I01lsing Finance Agency.
It is extrf!mely important that YOll fi 1e YOllr appLication
promptl y. r f YOll do not clo so or .I f you do llot fo 11 ow the other
tIme pedocls s,~t forth in thIs letterr fnrec10sure may proceed
agalnnt your home immediately.
Available funds for emergency mortgage assistance are very
lImited. That will be disbursed by the Agency under the
eligibilIty criteria established by the Act.
.."R~EC I !'~...J:'c,>B-l....!.t;T ~!'!.~, CAB!;;.. f'OIl ARGUMENT
(MuBt be typewritten and subnitted in duplicate)
TO TilE PROTHONOTARY OF CUMDEIH.AND COUNTY ~
PlellSe list the within IMtter for the next I\rgIJnent court.
----------------------------------..----------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
LaSALLE NATIONAL BANK as Trustee for
AFC Mortgage Loan Aaset Backed CertIfIcatea
SerIes 1995-3 Under the PoolIng and
ServIcIgn Agreement Dated 6/1/95 SerIes 1995-3.
(Plaintiff)
n I"J , )
" .:,.,
,;' "
"'JI/' ~1 I
('1 i + 'J ,.,/
r": ,11.)
;,' " ;t!~
'XI , :h
r ;,
t'" ...q
...',; "f)
'l.. J r:~j
,1'/" 1..,11
.. 1'~
~..:! U1 :J..{
-l ",
vs.
CHARlES McCOWN and
PATRICIA McCOWN,
( Defendant)
No. 04685
Civil Mort. Fore. 19 97
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's
d~ to complaint, etc.):
PlaIntiff'a Motion for Summary Judgment
2. Identify CXlW1Bel who will argue case:
(a) for plaintiff:
Address:
Gregory Javardian, EsquIre
44 Second Street Pike, Suite 203
Southampton, PA 18966
(b) for defendant:
Address:
Linua E. Fenicle, Esquire
R~ager and Adler, PC
2331 Market Street
Camp Hill, PA 17011
3. I will notify aU parties in writing within bIo days that this CAllIe hu
been listed for argurent.
4. ArgI.ment court DIIte: April 15, 1998
ll!Ited: }. /1 '/ I"
/i
" /
___..1..)
Attbrn ..
C:n~~ory
..'-
,
LAW OffICES Of GREGORY JAVARDIAN
BYI GREGORY JAVARDIAN
IDH 55669
44 SECOND STREET, SUITE 203
SOUTHAMPTON, PA 18966
(215) 942-9690
ATTORNEY fOI~ PLAIN'rIff
LASALLE NATIONAL BANK, AS
TRUSTEE fOR AfC MORTGAGE LOAN
ASSET BACKED CERTIfICATES SERIES
1996-3 UNDER THE POOLING AND
SERVICING AGREEMENT DATED
DATED 9/1/96 SERIES 1996-3
135 SOUTH LASALLE STREET,
SUITE 200
CHICAGOr IL 60603
Plaintiff
VS.
CHARLES MCGOWN
PATRICIA MCGOWN
82 HILLSIDE CIRCLE
CAMP HILL, PA 17011
D<.lfendants
THIS IS A NON-JURY
MATTER. ASSf:SSMEN'r Of
DAMAGES HEARING IS NOT
REQUIRED.
: COURT Of COMMON pLEAS
t CUMBERLAND COUNTY
:
I
t
: q 7 - Ij(; is'' {J;.u.~
:
I
:
COMPLAINT IN
FORECLOSURE
p
,'"
..
~. r.
l'J, ;:
.'
'f'
(." ..
MORTci~GE
....'.
;~';r:'
.,.
=j
.
:..r1
',J
Jl
-..J
'-"
c>
''I
:~J
if?~
"''''1
.,fg
':,q
)"...
" I
~SI'1I
;:1
".
"l
."
, .
."
"J
1..1
'?
. ,
, .
.'>J
..
'COMPLAINT - CIVIL ACTION
NOTICE
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and notice are
served, by entering a written appearance pe~sonally or by
attorney and filing in writing with the court your defense or
objecLions to the claims set forth against you. ,You are warned
that if you fail to do so the case may proceed without you and a
judgment may be enter<.ld against you by the Court without further
notice for any money claimed in the complaint or for any other
claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AffORD ONE, GO TO OR TELEPHONE THE
OfFICE SET fORTH BELOW TO fIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND BAR ASSOCIATION
Lawyer Referral and Information Service
4TH FLOORr CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
of the Mortgage is attached and made a part hereof as
Exhibit '1\'.
t, The Mortgago i8 sccured by Defendant(s) Note dated May B,
1995 in the amount of $77,220.00 payable to Plaintiff in
monthly installments with an interest rate of 12.99\. A
copy of the Note is attached hereto and mad~ a part h~reof
as Exhibit "El".
3. The land subject to the mortgage iSI
B2 Hillside Circle, Camp Hill, PA 17011.
5. The defendant(slr Charles McGown and Patricia McGown are
the real owner(s) of the land subject to the mortgage and
the Defendantsr address is: B2 Hillside Circle, Cap
Hillr PA 17011.
6. The Mortgage is now in default due to the failure of the
Defendant (5) to make payments as they become due and
owing. The following amounts are due:
Principal Balance: $74,720.00
Interest to 8/1/97 $ 5,903.59
Accum. Late charges $ 298.76.
Property Inspections $ 100.00
Attorney fee/costs $ 3r 736.00
---------....
TOTAL:
plus interest from 8/2/97 at
suit and attorney fees.
7. In accordance wlth the provisions of the Act of January
30, ,1974r P.L. 13 No.6, Section 403(41 P.S. 403) r a
Notice of Intention to foreclose is not required as this
loan is in excess of $50rOOO.OO. A Notice of Homeowners'
Emergency Mortgage Assistance is applicable as was sent
June 24r 1997. The Defendant(s) have not cured the
default .
$84r758.35
$26.59 per day, costs of
UI,JIIO\llcr lIli1llpc,nUlll nlllJr 11111111\\1:1" lJIIII':llllolII ollllrr IUl)' 1l11IlI11nccl JuJ I)r h\l~1 ur ulhtr
.~IIl~ly IIlUIlllllCll1 \A.,lth, CIUlIIIIU loll h'IVllle Illl!llllllr I.vcllhl~ SrCIIIII)' 111111\11I11:111, l"duJIIl' bill lIul IIll1l1rd
III, UUllUWCI"tUVtll,'llIIH mnh pll)'IIII:lIh \\/11:'11"11:, UIIIIUI\'I:' .11,11l1'IUIlII,II)' tJlldlnllc an)' IItll v,.h1ch hnl
1"luIII)' IJva:r Ihl, O!1:.l;11l11'111l"1r1l1l1l:1l1 (11111-:, IIIMI A M:llhll IllIulll/l,",llccll..r """'1 ur 1.I1111:r IccurllylmhUllItlll
nl'll/lIVC,1 II)' U:lII)t, nllllll IlulC IIr 1I11~lll,llillll III Ihl~ SC~llrll)' Ill~"1I1l11:111 011I1 willi ItlllCel III \lIfhlch UO'III"'Cr
ClIlIlllllca .....lIh Ihe 1"llvl~llIm III till: IllllllClli,III:lr Illtctllill/& U:lll(m:c) 111111:", lIulfllwrn (n) ll/jrtU In \11,11111':
hI III., 11,ltllll:lllurlhlllll,lIltlllhlll ~1".III~lllor Ihollkllllllllll<lIIl1Ct n~'ul,I,IIIII' In t.J41Ilha; (II) "lllIh:"'/\ III "'11111
r,lllh II...: Ih:1l II)', III Ildl'lI.l~ ll!l;IIII'.IlllllI/lLIIH'1l1 111111" 111'11111, IqJIIII'lIl1,~'~,lIltll~ whlLh In I":lllh:t'~ Ilplllhlll
"11unlc II' l'lcvelll IInl tllrUrl,;CUlClI1 !If Ihc Ih:1I ~ u, (1.') "1.:J;:IIlCl hllHl Ihe Illll..Jer ur Ihe lien ruI 'I&,c.clllltlll
antlda,lur)' II) lclll,h:, IllbllllUunlluA Iha IIcll Iu Ihll Sc&;uIII)' IIIIIIIIIIICIII, H Lemler lIt;lcllllillCl 1111I1 nllYlln,I
ur Ihe l'IIJl'clly 1..\rhJUllu n 111:11 wllleh IIli'1Y nUillll"l!ullIy liver Ihh .s~Cllllly Imllunltllll Lcni.Jcr IIIAY .sIYI
lhllll'lIIer n 1IIIIII:e Idctlllr)'luullu: lit:.., 1l1llf/IWCr "hl1llllnll~ry Iltc IItllll, lukc III1C IIr IllUIllllrlhQ ncllllllllcl
filii" lIhuve \1001111111 10 11,'y. IIr Ihll ,Ivl,,&: IIr llllllLl.l.
Jt. Ihu.lInl IIr I'rlljluly IU\lIr IIIIU, IIUlIlJlIICr Ihnll k(llll Ihc hlIIIlUYClIlI:nll IllJ\Y call1llll ur
htrurter clccletJ un IIIc l'fOllclly IIIIumJ nVflllII1 IUM' It)' fhc, Ilnlnlll. lududcd within lIu: Icrlll -ulcllllt'd
covctncc. all.J tllIY olhcr hlllnHII, 11It;lllI.HII' lIutJJI or f1IlUJllll:, rUt whldl L.c1l.Jcr ,c'Jullet IIl&u,anu. 11111
ImlllnllCC Ihnll b. IIInlllllllllCdllllllC 1I11llllllllllllllJ r\lr Ihc pClluJ. Ihol lAIlIlcr rClllllrcl, nullo tJCcW Ihe rull
IClllncClIIcllt CUll or Ihe bulllllnClllll!j hlll',IJVCUlCIIII 011 Ihc I'rul'ell)'. Till: IllIU,/lIlCC cnulu pro'l'IJlllllhc
11I~urnlll:e Ihnll ha ChOllCII h)' IJltlfllWr, MlltjccI III I.rlllll'l'a nl'I'IIIvIII wltldl lIhnllllllll lit: IIl11cMllllnllly
wllhhcl.J, Ir lJurruwer rnlh~ I.. 1lIIllulnlll CIIVCI,',C Ilc~clilll:ll nllllv!!, LClIlk,lllnYI .1 LClhlcr', 1I1'1IuII,uhlulh
cuvc,oce Iu p,olcc:l uI1Jcr', rlChl1 III Ihe PlIIl'cll)' hi nccuIlJ~ltlr,C ""ilh Ilnral:1I1l'h 6.
^" IlIlufnncc 1".llIdu nllll 'tlIc\I'oh Illll~t hc occclllablc III umJer alllJ 1111.111 Inc:luJc .. II.n!joltJ
1II1I"I,:IlIC tlal.lsa In rnvur or nnd In a "'UII ".ccclllnhlc lu ullIlcr, 1"(lIIler Ihnll hnve Ihe rlChl 10 huhJ Ihe
IIlIJlelt:a mllJ 'CIICWAI., Jr ulII.h:r ,cIIIII,CS, IJlJllUWCr ,hull 111111111'1/)' !lIve III Lemlcr all Iccellll' of flnl.J
IllCUllulII1 11I111 'ellew/l1 Illlllcu, III Ihe evcIl1 or luSl, UIlHuwer ,hnll 1:1'1" jllul,,!,1 flollce lu Ihe IIIIU,nll(C
(n"ler Oll~ l..emler, Lclulcr 11I0)' lunh pruor IIf lUll Ir l1UllUnllelllolllllll'1 h)' UfHlo.....er.
UII/ca, Lender III..J Ua"owcr olhuwllC 'I:'c.c III wdlln", In~u'nllcc IUOCwJ. ,hall be Dl'l'lIw 10
tc.lornllon or ,epllr orlhe Propcrly dllllln,ed, Ir Ihe re.shJlnllnn ur rCllnlr I, econmlllcnlly reo"lhl, nlltJ LenLler'.
Iccurll)' II not Icuellw. Jr Ihe rulo,nllon or rernlt II nat ccunllllllcAIl)' rc.culbld or Lender'. .ccurlt)' wO\llJ
he IUStlle..J, Ihe IUlurnllcel,ructw.lhnU be applied 10 IhllaulllIlC(:urtlJ b)' Ihl, Seeurll)' 'rnlrumenl, whelher
or 1101 Ihell duc, wlell nil)' CICC31I'nhl10 UllflUWct. H Ullllo.....cr /l"nllJutl. Ihc l'rnllerl)'1 or Jues 1I011ln'we,
whhlll )0 In)'. 1\ nmlcc ruull LcllJcr Ihnt Ihe ImUli'\l1CC cnrrler hnl! urrclcd 10 .clllt,) n dnlm, Ihen LtllJer IIUI)'
cullat Ihe Imurlnce f1rocectJ.. LclltJer IUny use Ille I'rucl:cll.lu rCflnlr or rnlu,e lhe 1'lOperly or 10 Iln)' 'UIIII
.ecll'c..J b)' Ihls Security Inllmlllelll, \!o'htlhcr or IItJtlhclI tlue, The 30.t1n)' IIcII0I1 wilt bc,11I whcn Iha lIullcc
I. ,Ivtll.
I
Unle.. LcntJcr lIIntJ DOHo.....cr olhtrwlsc 1"" In wrlll"c, nn)' RI'I,lIcnlloll or ,'roec.ecJ.10 rrlnclllDllllnll
nnl ClIe:nrJ or f101lponc Iho dtle Llnle or lhe 1II01lIhl'1I'"YIIICIlII rercHcJ 11.1 In rnrnc:rnph I or chnllle Ihe IJIIIOUIII
IJr Ihe Iln)'ltlcrlll, Iruuder II/lrnr;I:lI,h 17 Ille Plnl'cllyls nC1llllrcllllyl...cllllcr, IhlrlllWcr'l ,I,hllo nll'llllllJrOIlCe
l'nUdes nud pru'ccJ~ 1C.~llltlll~ rrulll rJillll:'l/:C lu lhe I'wjlcrly I'IIl1r III Ihe: nCIllll~llIull $hnlll'n~!l h, Lc:lI..Jer 10
the: ealcul ur Ihe IUlIl1 secured Ily thil St:'~ulily ImlrllIllCUllll1llll:Ji.llcl)' pdllr III lhe O(lluislliull.
.5, OCCII)llII1C)'.l'l'esl:r\'lIl1ulI, Mnlult:ltnllCC III1tJ PrlllcclIlIlI nrlh~ )'rnIICrl)'llIlIrruuuts Lool!
^pplll'ull""II.ell.~ch"III,.1 CIIIIIIllllllllllllll.j l'hlllllCll UIlIIIJcvcllll'lllcnl.., Ulllc~1I1IIIrrIlWcr'llnnn npl'lIc:alllln
nml Lelll!l:r's lunll "1II'rOvnlllruvhlc..J 1lll1llhc I'rlll'crlr WAS Hilt ICI/ldrcJ IIJ ht occlljllc..J ns DU1fIlIYCr'111rlncII'AI
rc~illl.'ul.'t.:, 1I1ltrowcr ~halll'l.'l.'llIIY, c~I~lhljsh, n....J \I~e Ifill Prlll'llll)' n.'l 1I1lllllwcr'!l "rlndf1nl u:I1Jcllee wllhln
GO rJnys nncr Ihe ucculion urlhll S(clullylnllnlll1clIl nlllJ sllnll cUlllllllle II' IICC\lI'Y Ihe I'mpt'lly os Dorrnwer',
r-1Ilclf1al rc.$hJcncc rur .t lusl J Ye:lr Dntr Ihe tJnle ur uccoflnllcy, unlcn Lemler otherwise ".rees In wrllln"
.....hleh cuu..cnl.hnll nol be ullrc,'~on:lhly wllllhd..J, ur unless ulellunliu, c1,C:1lI1151:1I\1.:CS c~ISI ....,hich arc be)'ollJ
l1urrower'. cUIIIIIII, UIIHllwcr shnll nul Jc.~ltoy, \I;1IIInlle IIr hllj1nlr Ihc rWIICII)', nllllw Ille I'rr)I'CfI)' 10
Ilclerlurnh:, ur cOllllnl1 woslc 011 Ille "rollclt)'. I1llflO\\l(r ~111111 he III IlllrUlllI Ir nny rorrcilurc nclloll or
l'rncec:tIlIlC, ....."clhc:r .;Ivll or crhulnnl, 111 hC~lllllhnl hll.cllllcr'l &:11I111 f:lilh JllllJ:lllC:lll ClllllJ ,c~1I11111 ro,rl!lIllrc
ul Illc !'lllplHly or nlhe"lIl~c IIInlc:r1nlly Illll1nir lh~ IIC:1I clt.1ltll I.y Ihi.. SCI;lIdly 11I~lltl1llCIII ur Leuder's ~ecllrlly
IlIlcrC:lt. UI'rruwcr .llnll nlsu he III derallltl( Uoltower, IILnlnl: Ihe IlInn nl'plknllulI proceu, cue mnlerlnlly
rlll~c IIr 111il1:cllralc Illrtlllllnllu/I lit dllh'lllellh hI I.clIlfn (II' rllllnl h, 1'lHvhlr. l...rmlt:r 1/1I1111 nil)' mnle,lnl
IlIrllllll,llluu~ III CltllllCl;lilJII with 1IIIlloml ullfcllL'CII "11111': "'IIIIl, lm.:lllllilll~, Imllllll lI111lh:tIIO, ICjllcllt:lIlnllulIl
(1II1cc,..I,,!: lJurruwcr', Ul:C1'111IIICY or Ihe l'IOIIC'lly II n I'rlllcll'f11 ICshJC:lIl;c, Ir Ihls Securlt)' I"SlIll1llcJllls Oil
II lcn~c:hnhl, IJtH,ruwer shall Clllllllly willi nil 1/11: pfo'l'i"llllI~ fir Ihe lcil'C, lr IItlrruwcr ncqulrc~ ree IIllc In lhe
I'ropcrl)'. 1I1e: le.ucllllld nlllllhc rcc lillc 11.,,11 nlllltlC'~IlIlIlIc:u l..tllller 1'l:rcC!J 10 Ihe IIIC'I:" In willi...:,
Ir Ihl, Securll)' 111~llllmC:lIt Is IJII n llllialll n elllltJullllnlUlII or It plnllJled tlllll IJllvc:hll'lllell!, IhHrower
.110111 I'r.rrorlll nil or Ulltrowcr'. uhliC:&IItJllS urnlc:r IIIC tJcclnrnlillll nr (uvennllll (U'.:1I1I11: or cuverllin!: Ihe
CUlllJullllnillln or 1,1;tl\nl:llu..il de\ldnpm(lll,lhe b)'"laws ntlll ,c&:lIlaliulIs or Ihe COII..JUlllinllllll or 1,I:tn,lrd unil
Jr.VCIOl'lllCIII lilli' cllnsljllll~111 IhJ,umcuIS. .
G, JlrolecliulI ur l.uIlI",'s Hi~hls 11I11t(! J'rIlIIUI)'. I( 1l0rlll\Vcr f"ils In perrllrllllhc CI)Vcn:mlJ
And nClrclllr.nls Cllnl:llllcJ III Ihit .'icclIlily IUSllllllICIlI, ur Ihere h n ICI:,II I'rocrcdinc 11t.,1 ""'Y si~IlHi[nl1l1)'
i'lffcd ulllb'~ rll:lils III Ille l'IIII"~lly (~Ill.:h :'IS n 1'!Ill.:ccdiul: ill b.ll1ftllll'k)', PIllIiOlIl', fur (IIlltlr.lIl11;\IIOIl or
,... I ~ 111"" r I,' I'll '''' I~ ~tI.. Ill'" lll~ " ... re Ilnnl' 'I
r...III'1.'"
iOOK t:!fl? IIGl 11~~
~",1Il""'" fA:'f
f"dcihllC' u,lo ~..fo'\C' I,w.-, III rt:&III;'lhJU~),II":1l trUtI..., 11'1l)' ,I.. JlIl.1 !"IY r," \~Il,'h:vrl II IIU:CU.\I)' III "Hllnt
Ihe "nl,,!; uf Ihlt 1'lupclI)' ,w.J l..t'lIlha'n III:I.h IlIlhe l'll'J'fll)', l.rlllk, f Ad!..." III,')' Ind.,.lc 1'1l)'11I' Illl)' '"l11f
It~"'CI.l II)' A hrll ~..hlt.h hili l.dlldl)' II"U IIdl :ii'll/iii)' 11I''''''lIrlll.I''l)'I"U IlHlIlM,q1luCllllulu" IIpl't".IIIII'1
[11'111, I'n)'11I1: 'C,'IIIIl"hlllllllolllr)'I' I~..:n 1111I1 tUlul,,!: 11111111: 1'ltll"'.I)' III '".I~c '1"1',11", ^1I1111t1j,:h '-clIJrr 11I;1)'
l..~e utllllll IIIIJ..:r Ihls II;'UII"'I'IIIII (t, 1.J:lIlh:, 1111(,\ 1101 l"I'lOt: III .I'J 1'1,
All)' 111111111111& Ll'~I'lIllc.III)'I.l'IIII,:, Ilulln Ihh PAlI'&:t"I'h r, .h,IIII.tl:uuu: ,IIIIJillulIlll Lfl:Llur IIl1lfUwcr
~p_III\'.1 II)' 11.111 l'ieclI'U)' III'hIlIlIO::III, UIIII'.u "'"11I''0'1.:' '"111 l.rllll,., "/l0:U hI ulln:, lettlll III 1'1l)'II'r"I, Ihene
IlllltlUltl~ _hull 11\',11 IlIh:I':...1 ""llllhll.I"hl'" Ih~h"H'JIl'l:1l1 "llhe I,ll.: .d ItIIlh 11111111 Nlllc If l'clIlIlUnJ II)' lAW
11I,11 lIul,lIllhu hIUIIlJ/l1 1.lwl,,1 ".llJ IIlIlI ,,11,,11111'1',1),11.11.1, with lult'll~l, "1"'"lllllllc ""I1II...cmha 11I1l'llIlIWU
lalllCJIIIIC pA)'llltlll.
7. IIISI'ttllllll, lcm'cr l,It Ih Il,clllmn)' IIlllke lI:nr.lJllnLle tlllth:1 upon .Ill' In51'ccllulII ur Ih,
11rl'IN:111' l...tllller Ihnll ,lve Ih"'lJwct !lllllcc !lllhe 1111111 IIr u, ,,11m If, nil IB'I'tt,;lhlU 'l'r.dl~lnA ft4~I'nRhlc
1,;11I110 rllr the h"IH:~lllJlI.
8. CUIIlJclllllnlluII, 'Ihe II'UI:r.elllur nllY "wqulllt dl1lm rUI IlnlllllJ:u, Llhed or cunH"llIcllllnl.
In CQ'lllCCllull wllh In)' eundemnnllulI UI ulhrr l.,kllll ur _II)' Ilnll uf Ih, 11'llped)', ur rur CUllVly,"et III 11110
~rcOndCnl"nllull,." hereh, "..lallr.Ll "lid Ihllll bll'llhJ III LcIlLlcr 1I1l1J "1'I'IIcLlIO 1111: lIU1uunt uculcLl b)' Ihl.
SIt'"II, '"III\IIlIelll, IlIhJed h, Ihe IcrUlI urlut)' IClllllr 1l11l11l:nl:c,lh.:nl nr IIml nr Illher l(el.,lI)' Imlnllllclll,
^"y uccU will he llnltlln Ihe PCUlIllI IreAIl)' tlllhkll h' iI.
.
Ir Ihe l'tlJllcrly.1I nhnlUhllll:d b)' 1I'lullwcrl or Ir, n(lll' Bullec: hy I.<<:mh:, III 1I0"lIwer Ih.' lite
comJclIlllor orren 10 IIIAke In IWAld ut ullle,. clnllll rllr dl\llIll!:e'l Ilutfuwcr rnllllll rCJrollllln Lclldc:r wllhln
30 dn)" nOcr Ihe Ilnle Ihe nullce 1lllvell, LCIlIIc:r I. IItllhlld tcJ III culll:cl "1111111'1,1'1 Ihe procudl , .t III option,
ellller h) ,uhlfnllun or repnlr or Iha rn.ll":lty nr lu Ihc Illlllll 11:1:1I1c.1 hy Ihl~ SCl;ulil)' 11I5Inlllll:nl, whclher or
1II,1llhclI ,11Ic.
Ulllcu lender "lid lJorrllwcr ul!tcrwlJC "I:rcllln w,hll'l, nn)'lIl'llllcnlllJn or I'ruccCl.b II) I'rlm:llllIl.hall
nul ulelllJ or (lollponc Ih. due "'lIle or Ihe nlolllhl)' "n)'lIIcnl. ,ercrrc:Lltu IlIl'orn&rIIph I or cllln,e Ihe .mount
orlllch rl)'mcnll.
9. lturfl'mcr Nolllelen.sCllI FurlJcnrnllcc IJy lrnder Nul n \Vulver. l!ltenllon. ar the 1111I0
rur 111I)'llIClIt or 11Ial.llneollalll or nlllo,llt"lIun or Ihe IUIII' leCllIcd lty Ihl.. Sccutll)' Inlh\lIllEnl gUlllw lty
Lemler 10 Uurrowcr ur 10 II")' ,lJCeUfOr III Illlfrul or Uorro\Ver III nil nol "plaOlc In "IEOIC the IInlJlIiI)' or Ihe
orlclnnl UClffower or U,mowe,', luccenon III lututll. Lelll!..:r ahnll 111.11 lle re'1ul,ell 10 COllllllence
l',ucecLllnl' "l:lllnll 1111)' ,ucee-nur In InlelclI or fCrllle III ulcllLl limo fur l'n)'lIlclIt IJr olhcfwl.e tlloLllr)' ,
nlllottlzn!lon orlllc luml lecured b)' tllla SCCIl,II)' IIlJIl\luIClllb)' rell.QII or nil)' iJcllI"UtJ 1ll;IIJC lt~ Ihe orlllnlll
Ulllrowc, or Ourrowcr', IIICCl:nOn In Inle,cll. An)' rOllte.Mnlll:C hy Lcll\h:r hI uctchln, In)' rl,1l1 or rcnunly
.IIAIII1I1I he. n wnlver ur nr luechlcle Ihe uClchc IIf nil)' rl&:1I1 or tCllu:II)'.
10. Sllccc~.'Inrl' nlld ^.'I,\I1!1I5 UlIlIIl.11 JlIlllllllUJ Sncnlll.lllbllll)'( Cll.SI~llcr~. 'I he. covellnnls
null n!:'crlllclIl~ ur UII/I SecIIIII)' 11I~If\llIlelll Rhllll hluLl nml hCI1l:1i1 1111: IItCllc..mrl nmlaul!:". ur Lcmler IInd
IIIIIIIII\W _lIbJI'';1 III Ihll 1'lllVblllll.'I IIf I'lll"IjIUI,h 17 (II). IhIlIH\lt'.;,'.~ IUY':Il.lUl~1 IlIltl nl:lceltlCllh ~1I;.llllc JIIIIII
nmJ ~evcrnl. ^n)' U..:rruwcr whtJ cU'li~IIS Ihis Sc..:udly 11I!\ltlllllCLlll'lllllllc~ 11\11 CJ.cCllh! the Nute: (n) I. el)>
siGllin; Ild~ Sccurily Insllvnlelll only 10 murl,n!:c1 ,rnlll ;'11\11 cUllve)' Illill Uuullwcr'5 Inlerest Inlhc Properly
unuer Ihe Icrlll~ or Ihi. Seculily Inlllnllllcnl; (II) 15 nlll penutl.llI)' IIltli~lIlcd 11l1'lIY Ihe 5111115 SCCUICJ hy litis
SecllIily I...humcnl "lid (~) "1:'CC5' Ihnllcllllt:r nllll nil)' olllllr UtIllH\\'cr IlIAY nu,ee In ulcuLl, llIuLliry, (ufbur
IIr IIInke 1I1l)' nCClJlIIIlludnllUllll \\Illh Ic,n,d Itl Ihe ICt/111l u( IlIb Sccudly InshllUlCIll1lf Ihe tlqre ....ilhnllllhol
Uorro\\lcr'l eIItllen( 1I11t.! \\Illhuul Ihcfehy Iml'nlrlllit Ihlll UUlIu\\Ier'. .)hlia:nlillll~ nuLllinhlllly hcrellllllcr.
II. Lnnn CllUr~c... Ir IIlc lunll aec:urcLl hy Ihl. Scelllil)' lu!\1I11111Cnl Is luhjecl Iu II Inw or
,el:"lnlluI\ which lell Illn.llllllllll IlInll chllfl;cs. nmllllnl Inw u, Iq~ulnlll)1I I. rinnll)' Inlurrelc;11 '0 111111 Ihe
Illlcre~1 Ot ulher Ion II ehn'&.lel r.ulleclell nr 10 bo cullceleLl III ellllllCl.:lIll1l ""lth Ihe IlInll ueecd IIIC l'e'lllllled
limit., Ihell: (1\) 1111)' luch IlIlcrelt ~lIIJ1ur uHler Illnll chnla:c! slmll he mlllccd Ly the nlllounl lice eo",)' 10
rl.:cJucc Ihe Inlen:slllUllllf ulhcr hll1ll ch"l!:es It, lhc I"':flllllh:tllilllil; :1IId (h) nllY ~t11l11' "'''';HI)' c"III:..:I..:'" (1111I1
llurro\Ver whlclt cICec:llclll'cnnlllcJ 1111I11, \\111I he rcrulltlcd 10 lIorrnwcr. l.enJrr IIIny cl100se 10 IIli\ke Ihi~
rcruncl lIy rcduclui: 111/: l,rlllcl!,"t OWClt Ilnller Ihe Nole or b)' IllItkiuc" dhecll'n)'llIcnl II, Uorruwc:r. I( n rerunLl
,clhll.:t::1 I'lllldl'nl. Ihe '1l11llt;111II1 wIll h~ 1I1:11lelll1~ n 1'1lIUllll'lt'IIiI)'IUl:ltl.
Jl. NlIllcc.s. Any llolicc 10 Uurruwer I'rovlllct.! ror III 11111 Securily InllrulllcnllhlllllJ:: ;Iven hy
dellvcrllla: II or II)' tIlnlllll& II by linl cl:1ss IIInllllllless "l'l'licnhle InlV IC(llIile.. u~e or "nolller method. '1114
Ilollcc 1",,11 he dlrecletJ 10 Ihe )',ol.crl)' ^IILl,cs.. or nny aliter nJlln:.'Il'llJnflo\\'cr "'e~ll:"nln It)' n!llke III lcudr:r.
All)' llllliealu Lc""l,tr Ihnll he alvctllJy nral cln... Illnlllo LcnLler's :1I111,e... 1I,lled herclll or III)' IJUIl:r ntJllnn
Lender t.lClIEnnICl by nllllce 10 Ullrrower, ^ny 1I1lllte I'lovl\h:J rur In Ihis Sccurll)' III~h"lllenllhnlll'a deellu:J
10 hl'lye becn ahen III Uurrnwer or Lendcr when ,lven ns I'lovhllld IlIlhll 1'''':1&:I:1"h 12.
..-t')rt') ~r.rt
eoOll ....,. IA~[ 0;)')
r" 'S'''HI) r~,(lln u,., ~Io.'u"nu. AI'( lIon"'1
rAlllrJvI,
,,";nlf.'(Ar,u
IJ, t;,'H'lnllllll.ltlrl ~~'HIlIhlllly, It 1111~ :)"~1I1i1)' 1t,~llllll":lIlls n ~("ull1d l,rl"dlY Ultltll~III:C IlIIlJ
Ihe UlI~ljllll pdudp.11 'Hll 1/11 III II( 1111: N"It: l~ S'lt),U)J "' 11."!l~. h'd~'to1II..w lIwl IlHlltJl~ 1,1\'.' ~\lltl 1:'1\1:111 li,t:
iul~..t:~1 1,lh: d','I,nllJlI Ihe NIII.:, Ulllfl\~hl', lukl.,II"w, l'I,:I"I~}'I~III1Ll Ll\~ nu,J 1111)' hlfill Lw.. 1Ij,,1 'I'I,H~~
III Ihe III~~I; III ....llIdl Ihe 1'1l/I'Uly II 1111,;,,1("11 ....111 E'IHUI Ihh :itUHily IH.....~U.tlll l'rlltl,,1 1,,1\1 IImJ
I'rlllll)hnllln IJIV \~ill nhlJ r.')\lCllllhc 11I1(1{'~llllle dllllj~rll 'Ill I/u: HlJlt IC rlll,,'1 Ihe 1II1,11l"ll'tludp.,1 n..II'1I1I1
uf Ihe n.,lc CHuJI S,".U,OVJ lH lhll !h'lllIlIY lu~ItUlllclIl II n 1l1~llltll"lly 11111111;1'1;1:), III 1I1l: cveul Ihlll /IllY
1"IIVIAltlll III d,lIIu: IIC Ihl.. :inllllly III~lIl1w~'1I1 III Ihe Nllh: J;llllllld, \\11111 1I1'1'11t.:nh": I;IW, IlIdl [IndHd ,11.,11
jlHI nlll'll Illlll" 1'lIlyl",'"o, "' 11111 fllUIHly 111...11111111'111 III Ihlt Nlllc ",.hldl l;1I1 1111 Cl~w tllnl u.llhnlll Ihe
1;1I1I1I1I:lll1n PHl\Hhlll, 'I'll 1111/1 t:1I.1 llie I'lInl..I"IIII'C I1III tirulIlIy InllllIlIlCIIlllll.l.hr: Nllle ,II1e: l.kdllll:tl II) III:
Ie ~Cln"tt:,
.... lIurlllucr','t CUllY, IIUIIIl\.l.'t:r 1I1,;~tll)\NIcII&el It"celpl u( 1.lwhICIIP)' lit "tll/l('HlIII:tll:IJI,yur
Ihe NIIIl: lUll.! II' Ihll 5tCllllty 111,1.1111":111,
15. 5ulf U( Mulel Chllll~C IIC l.!HIlI Sc:nlrcr. lite Hull: UI 0 IIlIIllnllule,c51111I1u: Nule (Iu~clhu
w\11I llill StclJ,lty 'fllhUlIt!:lIl) 11I"1 he Il,hl 11I11: vr 1IIIIIe IllIles wllllllllllltlur IHllke: lulhHlo\\'u. ^ MIl: IIIny
lel..lIl" R cllnlla;C Illlhe culily (~llllWllll~ Ihe -("UIlI Scr~h:.ct.) Ihlllclllle.;h Hllllllhly pny"!cnllll"l: U/lIJu Ille
I'lnle Illtllllll Secullty 'mh'"11t:ul. 'I IICIC nl~ll lIlny he olle 01 WIlIC dlnll&CI Itr till: llll\ll 51:1"111:1:, 1l,"c1nltt.1
III n AlIlo or 1111: Nllle. If Ihelc 15 1II.lIllIl&t; IIf Ille 1.IIUIl Scrvlcer, U,","Wct "",III he I;I\lCII wllllcnlHlllte urlhe:
chnnee In ,cl:oll,lIl1l1:e wilh IHllnClnph 12 nhu\'e nnll nl'l'Hl:nhle Inw. The HlIllec will Ilnle lite: III111U: nlltl Dl.hJ,tu
ur Ihe neW IJJnn Sendeer IIII.d II..: IId,lIcu II) whkh I'nY"II:nll fthuultl he IIIl1de. lite tllJlke \\1111 nhu (onlilln
nllY oilier InrUlIllllliulI ,e'llll,c.) hy nl'j,til,;.,ltlr: law.
JG, 1I111.unlt/lls SltlululI~rs. lluHuwcr Ihnllllul cnllle ur I,cfllllllllc I',uence, IIn, i.J1.l'ol~l,
Ilornl:l:, or Ide.uc or nllY Ilnzlllllllus SlIhMMlct.\ 011 Ilr III Ihe I'tul'rlly. lJolttlWer 1111'111 1101 \11), 11Ilt nltuw
nn)'ullc else 10 JIJ. nl1~thil'l: nITc!.:!IIl!; Ihe 1'lOlIclly U.nl II III yilllnllull IIr ntly l!1I\'llonlllclllnl Low, 111~
IlIeeedll1!: Iwo ~enlclIcU ftlloll lIlll npply hi the ple.~cllte. u~e.nt ~lotnte IIn Ihe r.llpcl'y o( Illlnllll1tlllllhict
II( IllI1nl.III"1 :,\"It~IIII'l.:n Ihlll UII.: ~I'II";I..II)' f\'clI~IlI'~'11 h, 110 "l'II'''I'lln!!! h, Illllmntlc~hlclllinl II~U nlllt III
11l;1llllellnll~c o(IIIc PrIIl'CII'I'
UOHowcr ~hi\III1IQllIl'll)' cl~e unJer wJlllclllll.llkc u( nny IlIvcsll,nllulI, clnlm. tJcl1InmJ, Inw,,,ll or
ollter Delio" by nuy &lJvenullcIllnl or Ic&ulolory "CClle)' or p,lvnlc Ilnrly IlIvulvll'l Ihe f'rojler1y an.J IllY
Iln'J\.t1tJlI~ .'illuslnllce or l!llvl,uUllIelllnl L.,w o( which Ulltlowcr hnl bellllll ~.lll}\Nlcl.!cc. If OOtlowcr len,"s,
Hr III ImliCi!."d lIy nllY l,!Il\lCnHlll':1I11l11l1 1q'lllal"'y nlllllmlty. Ihllt nllY n.:ulllvl1l or olher Itlllelllutlull o( nny
Ilnut/tlnus Sulnlnncc ",f(c.clinC Ihe "rol'clly II Ilcceunry, UUlrower Ihnlll'lUlIIplly lIke all nceus"r)' rClllct.llnl
Delluns III nl:Cort.lllll(e wllh cll\'llOlll1lenla: L,w.
^I lilt.,! In 11th .,to,nQ-lnph l(j, .'I,llnnJolll SullllnllCCI" nlo Iltole IIllJllnnetl I1dllltl.! III 11).le or
hnl,nldlllll Iullllnllcd hy [ZllvtrQIIIIIClIlnl l.nl\' nml Ihe rllllQwltl(t 11IUllnncl:S: ~nsQllnc, ktrOftcnc. olher
I1nllllllllhle or hU.ll: I'chulclIlllI'IUI"ICl~,IU.1c l'eslid'lcl nmJ helhh:ltlL:S, vO/lIll1e Itllvellll, tllQlerllll. COllllllllln,
nllhe~hu lIr rlllHlnltleItYI!..:, Olllt 'llLlil,ndive 1ll,1h,:.101:I. Ar. It!!Cllllllhlr. l'olll~rol'h 1(1, -t!Il\'llUlIlIlel1lnl L1W"
1l1e,11lS (edcrnllowl nlllllo\\'$ O( lhe juriHlidillfl wllelc Ihe "llIlIClly Is IIll:uleJ Ihnl rclule 10 heallh, InrtlY or
CII\llllllllllell!;III'"lIeClioll.
11, LClltlcr's IU~hl~ If UlIrro\\u Fulls 10 I(cel' Ilrnllll~c.~ nud ^ltrCClIlCllls, Ir IllY orlhe e"'~n[S
or condllions tJc:setlhc:J Itl slIhl'1I/IICIIIPl15 (M, (U), (C). (U), (E) or (P) ur Iltlr. pnrnc,nph 17 IlInll uccur, Illen
{i} Ir lite llril,dlli11 pti/ldpol nmoLtll1 ur Ihc Hille uCl';etl~ S50,0lXJ. Lentler 11Iny ,elp.llI: Il1nl UOltllWr;r pny
In,,"cillnlcly 1111: clIn,c omollnl Il::mnillilll Illll'nrtllllll.!cr Ihc Nuh: lllllllldr. SC(,lldl)' hllll'UHlCIII; 'It (II' IC Iho:
urll:"H1ll'dudpal 011ll}1I111 II( lhe Hnle Is ~~U,OOO IIr less, lender, nOcr I;lvlll~ UOllower timdy Illllke n(
J)llIru\'ler'lll~hl hi (1111: n~ I~ Iht:llltll"ll\:d lI)' 1I1'1'1ic:nhle hII\' oll\lfI.."llwcr'lI C;lihll!! hI curl: wllhilllhe limc
I'clllJtI lei rUllh In luclt lllllicc, mny rtllllhc Ihol Urmowcr I'ny hllll!eJlnlely Ihe CIIlI,C nwounl relt1..il1lll~
1llll'lIrllllllllt:r llie N'Jh: om) lid,,; Sl:eudly IllSltUllll:nl. 'IlIlr. relpdrclllclll will he eullcu -lmlt1ct.linle I'aymcnllll
Ifllll,"
I( Lcllt.ler 't'lultes IllIlIu:dilllc I'aymcnt In Full. l..cntler IIIAY btlllS " IAWlul1 10 ltlke aWIlY All Q(
UOlluwcr'. rem/l11l11l!: rla:hls In Ihe l'lol'l:lly allJ 10 hAYC llle I'rol'crly lulJ. AI lhls 1"Ie LtOlrer or AtlOlllU
1'l:nOIl IIlny lIellulll: the l',npelly, ,(,hll II knQ\\'llls "COIc.clolule tlnlJ snl.:,. Ir Ihe I!loeertls or ihl. Inle Ale
Illlllrclcll:lltln ,rl'ny L..cl\ller IIlc nllllluuls duc InlclIIlcr (mil! lJurmwer IIlltler Ihe Nllle nul.! UlllJcr Ihls Seell/lly
1..llIullIeHI, ll:nl.!er 11I11)'. 10' 11.0 uleul Iwl limilcll '" l.fllhlllllcJ b)' law. 01,11IIu a ellu,l jul.l~pllelll "llolnsl
lInHuwcr pellonlllly rur Ih,= dlr(Clrnec IJrlwrcl' nil nnlOUIlI,' tJllC trOlll 1J1lllowcr ul1IJrr Iho Nole nllll Ihi.
Sccurlly Imlnllllcnl nlltllh~ lole I"IICCCJ~. III nny lowSlIl1 rllr (lIIedll~lIle lIut! llIle, Lemlcr wIll hov!! the Ii~hl
lu eullecl nil elllll nml t.\l'ell~es o( Ihc (lIIcdlllUII1 nllllll1lc nlhl\\lc,lll)' In\\'. Thls Illclul.!cs nllorlleY'1 fen
"lit.! co~ll or IllIe cyhlollce I'crtlllUetl lIy nulcs lIe CUlIll, nntl nllurl1cy'~ (cr.s (II( bnll~l\lpley Ilfoeeellill~1
(inchllJinc errl)llllo ",ulli(y ur \lnenlc nllY nlllunllllle sloy ur InJUllcliu,,). ^llaueh IIIIIIS AS ilia)' COIIII: ulIe Will
be lecurclI hy Iht Hen u( 1111~ Sccllrlly 11I5lrUlllenl.
L.clldulll,'Y ,ell'llo: 1/IIll1elllo!c l'nYIllr.1l1 In 1'1I111l1uler 11th I'lIrOcrnl'lI 1'1, 1(:
(AJ
II Ir. IhlCj or
lllltlower rllil,'t llllllillie IIIlY jl,'Ylllenl ,equirc!1 lIy 1111: Null: Q' Ihh Seeu';l)' Ill~IIUI1I1:1I1 \\Ihe~1
toO; 12(;2 fAG! 857
rA 15rlll'lI n~I'1I 'AlII MUll ".Mat, Alr:lIn/l'UI
l'AUt!. "re
~1{jOI5~A rA,'(
(II) Fh:qtl ill lllll"~ IlllllllI',L'llll'~ III \\llhlt Cl'drl,lll.l\v 1I1111:I\\~'e 1'11,,1./1:" nllut nllY p.lll uf lilt!
l'I'II"::I'fy, II' 11IIY 111:'11 hi IlIc I""P"II)', " Mjllllll 111l1I~r~'II("11 \\111111111 I.cllll~,'. I,d,,, \1,011111:11 1.:111IM:ul (v,. II
1J'''III\~CI 1'11111 n 1I,lhl"lll'c'~III1, II ;llwlldid,11 \llh'IC\111I U'"II"",a:, I, ~ltlll III ",IIII1'I:III',I)i III
(I.;) 011 Pl'I'HI.:I11ltlll ur 1r.IIJl'I, !I\lJ lit IlIlJlle 1"'111"'101: 1:U1l1l'lIl1lu lluulrtJ IlJ JI,I 11IlIim:n III Ih.
,l)1"lc III \~llldl 1111: 1'llI!lclly h hll:lItul IdlUe hll~IlIr 1'"1".:h'~ Im'"ll1U 1I11~ IIIIIIIII,.UI 'Iullmplll\tcllll:llh !Jlllho
1'1111'1:11)';01
(IJ) UUlluWct hili hi 1I1n~' 1\11)' pn)'lllrlllltllllh.J It), .IIY ulIl." WIIII'''I', "'r..J u( "v" II' 1)111.,
Ircv,li)' Illllnlllll:llll:lIl:llllllttllllG 1.11 IIth:t1hll Ihl: 1'll.Il'clly, UI UUlluwcr flllh Iu krrl' IItlY vlhcr I'Iollllu or
n"U:IlICIIIIII OIlY telllur IIlltllj;,ll:C, IlcCIJ u( 111161111 ullll:r ICI:IIII1)' 11I"'1l1l1llt'1I1 CIlClIIlIIJ1:J11I& ur nrrC(ull8 Ihe
1'lnl"~IIYi u,
(I!) UlJlu,wcr (ollt lu ~crl' nil)' 11111", IIIUIlII~c ur 1I&'Cclltl:ullllllllll 5ctlllll)' ImhulIIl:lIl Wllhllllhe
lime lei rl/lllt, ur I( Ill) lime I, act rUllh IlIlhl. Sccllllly 1116111111I1:111, Iln:1I wlilllulltc lime lei (Ullh IlIlhe mJlh:c
'1;111 ItJ UUIlQwcr by 1.t/llJcr; ur
(Ii) All)' ICjllCltUlllllll1l tllllllc Uf IU(lIIl1lnlllJll ,hclI If, Lemler II)' IIltlluwer III CIJlI"ccllulI wllh
UUflUWC:I', nl'l'lh:alloll (llr Ihc IUIIII c\thlcllCCII II)' IIle NlJlc II Cnlr,c or Ittl~lcnlJlltllll /IllY I1Inltlllll 'c~tl((l.
.'
18. ^.s.,IU,IIIIII:lll ur Iltltl~1 ^1'ltIIlttlllltltl u( !tecch'er! I.cllllcr In IIUI~C5:t11l1l. ^~ nl.hlllhll~nl
IcculIl)' hUClJlll'U, UunOWet htfl:"y .ulllll 10 uuJcr Ihe tCIII. ut lite 1',0I1c,t)' 10 lite UICll1lh11 'clllt "0
IIHllIellI!: collc.cleo.l lty tin: holller oC 1111 ...~ll:ltlllCnlll( 11:11111 whld. IIn. l'llo,ll)' our .hlt Sccurlt)' IlIllr\llllClll,
IlfllyltlcJ Illnl ,ullJr hi O\ccclc.nllnll 11Clc..r U, nhl1l1\llIllIlIt:ut IIr Ihe f'wl'l!lly, UntlUWllt ahnll hnye Ih. rlShl 10
cullclo:l nlll.J lellllll slIch ICIIIII ns Ihe)' \teCllIlle IIUI:, nlllll'nynhlc. l'l'lll1 nnt.:!clnllnn hrH~O( or nhnllllulIlIlClllll(
Iln: "tlljlClly, Lemle,. IUI'tlllJIlI II)' "~CIIIIH l,y JllJldlllly nl'p"llllt:IIII.:I.'I'lvcr, IIhnlllte Cllllllcllh' clIlc, "1'1111,
In~c 11O~IClllolI o( /llltJ Itll'll.n,e Ihc l'wpClly nllll lU coiled the 'elll. u( the I'lllpe,ty 11ll~lotJllt. Ihole (111I1 due,
All IClll1I cul/cercd It)' LClllkr II' lite: ICl.:clvCf dIll If he: nl'pHcJ 1i'llllfll'nyme:1l1 orlhe cOIl1I fir IIInlln&CIIII:"lu(
Iln: l1,u""ly IlIIIlJ CQII<<liuu or "mh. IlIcllIlllltlh 111I1 lUll 1I11lhctllu, recclvlf:r'. feu, I'relllhJIIll on fccclvu'.
('lImb nmJ Ic.asullnltle nllurneYI' rte.1, mid IlIclllu the 111m. secu,ed It)' llIla Securlly Jnslcutllcnl. An)' rccel\tcr
IhnlllJe Iln~fc lu nceuunl onl)' (or Ihose ,eltls nclll>lUy recelvcd,
.!I, Jtclcn~l:. UI,IIlt l'n)'III,"1 lIt nil 11111111 ~l:cllle:11 II)' 111111 S(cll,lIy 11I1I1nlllll:lIl, ulIlJer Ihl\lI
IUldltll,e: thll Scelllll)' IlIllIlIIlIC':1I1 wllhlllll dllll'C III J,lttlIV\\tcr. lJUIlIIWt:, ~hnlll'n)' nil CVIIIIl Qr ,c.cu,tJnllvlI,
I( nil)'.
20, No Clnltll ur CrrtJll (Ut Tun!. Uutluwcr \lil/fllot IIInkc JcJuclllln from or clnlm c,wll on
lite 11l11lcljlnl or lllllfll:~t aC"'lIc,j h)' Ihll Secll,lly 1IlIIll\1lllCIII hy Irn~nll or 1111)' itIlYI:f1llIlCnlnlll'lllCl. lII~cnIllCIII.
or (hl1'1:c... UUfl"Wt'r will Ill/I clollll n/lY JcJUl.:lhlll C,UILl lilt: In,\nlrle: \tillite vf HIe lIIOI'CII)' by fClJIOn or IIiI.
Sccurily Imlnlltlelll.
11. '"'ere,1 !tnlt Arler JItlJGltteul. Ihmo\\lcr n,rccI U.ol 1111: Inlcrul fIlle .,n)'_lIle o(lcr I
jllt.l'Illr.l\lls cIllerc.tJ 00 the NQIC III III nil nclilJll ur Blu".:nl:e: CUICt.:!OSUII: Ilwll lte Ihe IlJle 1111lcl.lllllhe Nole.
21. HIllers fll Ihls Src.:urlt)' 11I~1I11111c:n1. I( Qlle IIr 1II11le ,ldelS n'e CleCltlctJ by lJarruwer .nll
'temtlell hl,clhcr willi Iltl. Sccl/,ily 111'111I1111:111, IIie cnvCIl",.I~ nllll /I~H'CIII(:tll,'1l1r cnch IlIch ,hlcr Ihnll he
IIICIIII''',,,llo:llllIhl nutl :\111111 nlllcutl nud ~1I1'I"CIllClIllhc I'IIVCII;lIlI,' null nl:tcclllcllh IIr IIih Sccurlly In",'n,,"clIl
III I( Iln; ,IJCI(s) welC n 1""1 II( Ihh Scclllily IIIIIIIIIIIe:III,
IChe:ck nl'pIlCI'hle: bOl(cs)l
0 Adjllslnhlc Hnlc !til'cr 0 CUlltJlllllllllltll1 Ultler 0 I,~ I"IIIlIy
Illder
0 OrndulIh:J rllynll:rJ1 RJt.'er 0 rimmed Villi 0 Ulwukly
OcvclOllltlClI1 Rh'c, 1'''YlllclIl
Rider
0 0110,,(.) 1('rec1r11 a It/lle fUIII'OYIIIICllt 0 3CCOlltJ
!thief II.".. n1der
~OO! 12n2 PAt! b58
r^ Istlllm fl'tl/U ~Alll MI),IflJAlJlI, MCllllrll'lI
rAU!!'.'"
UI)OII'U rA.'C
.. .1." ."..--,......_,.'-_.,;.,
,....' ,
, ..--......,..
..
,'.
'. ,
,
.... ,
,1.'
.
I.
"
'.
,
"
'.
..
,
,
" .~ )
i ,m
IIltl
f ' ,
I}
:x f-a!il
~
I I f. Uhi
j~ ~
~
=
~
' '
"
"
, i
, ,~f Pennl) :v81ll1 } ss
'IV ut Cumblf'.nd
,,~d In 'he O.tIU tol Ihl recording of 0'"
" Jnd for Cur ,1i;"'D"d CountY,' Pa .
1-.......1: eool\.U.i ,,,I ::::... Pogo 1>'?- '
":~' mv hind ir"'J:",1 01 office af ' '.
...,1,.1.. PA ,hi. ~ doy;;e'r2-
~;t,.d~r---'
6.
,~
, '
,
"
1I,\I.I.11llN ~Il"l'l':
Till, ,1/1,11. 1'^,,~Ii'J11' IJtlllI'll 'III I!; IMn: 1:1 ~IIII:;I'MIII.\I.I.\' <;IlIo:^'11.1l TIIM! Tim
l'ItI';VIUU:i 1'^"t\lFtll:j, \'OU "'Wd" 11I'1',')' '1I11~ HlllltI~_ \JNI'MU 1'ltlNt'II'AI. IIhl.MICF ()It
TilE I,O,\N AN" llt4l'^"1 It~ n:III'.~,1' 'llILH liVE. 'I liE I.HlIIEIt l:llJtlHEU tlO UlIl.lt:^ 1101'1
'IU 11IOifrMNCIC 1111~ 1.0Mi ^I' 'IlIAI' '11Mf., \'()U \\'IJ.I., TIIFlllifilJItI~, lIE ItI~(JUIItU' 'to
1\1^'~I~ IIA'..,"IEf'(1' 1Il11' OF Ulllldt ^SSI':I~ TII^T hHJ MA" OWN, Ull )'UU \\'IU.IIA\'lr, TO
1111'411 ^ 1.1':NUlm. WIIICIl M^" 1I1~ 'IIII~ 1.I.NIW,1l YOU IIA YI~ 'II W; IJJ.\N \VIlli, \\'II,I,IN(; '10
I,II,NU \'OlJ 'Hilt ~llJNI~V. lit "IH' 1!(';lljtIMH:I': '1'11151.0(\1'4 ^'l' l\1.\TlJltlT\', \'OU 1\1(\\' "^VI~
'at.) I'^\' :;l)MH Oil ^"I, ()Ii 'IIIE 1'1.W1INl; l....JSIS NlJIlM^',I.Y MiSOCIA'llW \V 1'1 II ^ NI~\V
LOMI 'lYUN II' \'UU OIlI'^'N 11IiI'IN^/I~INU "110M '1'111\ 5MIl'; l.IiNlJlm.
un
'I1,:DO ,00
MIt-.;hnlllc:abut'J
~lJ,I?91!r
I'~NNS\'LY^NI^
Uale
II~ 1I1LLSIUr. Clfl.CI,r., CN'iP IIIL'~, "^ 1101 t
lI'II)IICII)'^tJl.hul)
I. 1I011ll0\Y~Il'S 1'/lOMISli TO I'^ V
In ulu,n (I)r. luu 111011 hne lCeehclJ, I pnulllu: 11I1'n)' V,5. S 77, :Z;ZO ,00 " (Iltla .nlllllnl It
tAUCtJ "rnlncll'nl"),lllu.lulclCIl,IHlhe o,..!er or lite Lrllllu, ,.111: LclUlcr I, ^lIIltl1ce Ilun..!ln&: ClJlIlrnn)'11 UJ'rI.lnn or Sure,lur
UM,k IISD, I unJu.llIl..! 111,11111: Lemler 1111')' "'''I(rr thl. Nole, 111e LcniJ.u or .nyone who I.ke. Ihl. NlJlc by lun,rer IlIi.I
.....ho I. enlhlc..! 10 rueh-e r.ymcnh uniJe:r Ihl. Nole II CllluJ Ihe "Nolc IloItJcr,"
2. INT~lm5"1'
I"lunl will he chu!:c,l ollllr. 11111'''''' 1',lncll'nllllllllllte rllll "mnlllll u( p,III...lllnllul. hetn pnhl. I wUl 1'0)' Inlt,ul nl
I )'cMI, r.le or '2, no '". Inltrul will he c1""eal 1I11llllhc 1"llldl'1I1 hnl h,e" rnltJ In rull,
1'he l"ltrcll nle ft'1ullw hy Ihl, Seellun '2 II Ihe ,"1, I will r')' ltullt hcrulI IntJ Incr .nylldllll! ducdbrJ.ln l\tcllon
O(UI .r Ihl. No",
J. 1'^Y~mNTS
I will r"y rrlncll,nlllnd InluUI II)' IIInkllll: rlly.nrnl. c...e,)' InrJnlh, J:!.ad. or my lIIonlhlYlln)'lnenhl Uurl (ur Ih. nnal
rllYlnenl, will be In Ihe .mounl o(U,S, S 853,60 , ^Uumlll~ .1I.chetJulttJ ",)',"cnl. or
prlnclp.1 .nal Inlelt,l .~re m.de on Ihclr \Jue d~ICJ, li,t IinallMYUltnl will be V,S. $ 68, B'!l. 3 ,
I wllllllah Ill>, 1II0nlhly rr'iymcnl. nn lite ~ lI.y or uu::!I llIonlh heclanln~ on JUNE 12 .
1!1...,tl, I wllllllnke Ihel" rnytlltllll t're,y monllt unlil BAY 12 . 'I _..!!!.!!-, nn which alol. I
will (1")' In (1111 III or Ihe rttnllnln. rr1ncllllll, IceNcd Inlelullnal Iny olher chn,!:u, \Juc:,ibull.elow, Ihlll I ""Y owe U"llcr
Iltl. NOI', Unltll "",,11(11111, IllW fHO'rIJc. nlhcrwllc, "II pnymcnl. wIll h. "l'I'"cII Or'l 10 ncen!cII nnllllnpnh.lInlCfcal10 Ih,
dnle nr "IlYIlIClIl nlllllhc UlllllllhJC', Ir nil)', III Ihe IIllrnl.llllll1o:ll.nll,nlnm.:u. ^uy Inlll cltn'I:U, enUrdlnn cn.ls nllll UIl""_t:',
"'I.honnual check cllnr;e. In"I'oYlllclIll I!lOLJC hy lite Nlllc Iluhle, hi c,,(n,ce Ihll Nllle 011"'0' In 1',0Ict:111I1I Nul. IIlJhhlf'l
In!UUII un')u IlIe 5rcll,lIy Inslnllllelll (n dtlillttJ In Stellnn 9) will he .nulcll acpnrnlely.
I wllllllnke "I)' tnonlhly rnYlllcnl1 .1
1)) Chuttlut Rld&c Road, Hot,tval., NJ 0764)
, ur nl . lIH(.,ellt I'lflce Ir f(1)lIfrul b)' lite Nllle Holder'l
,
~. 1I011ll0Wlm'S 11I1OI1'I''10 l'IlI,I'oI\'
I ho'rc IlIe II!:hl 10 lIIake 1''''Yllltnls or I'linc:lpnlll 11111 lime l,rrUfC Ihe)' 'lie llut, . ^ rnymenl ur rrlncll1l1l only Ir knuwn
nl a "prrjlnYlIlelll."
I mny fllnke I rull rrcllllYlllcol or pnlllnll'lcp,'Ylllcnls wilIIlJIIII'llylna: IllY 11rtflaYllll:nl Ilrnnlly, Tllc Nulc Ilnltler will':
III': 1111 or tllY 1"cl'")tIIenll In rCllllee 1111: nnlllUlll nr rllnell",llh;11 I uwc limier 1111. M..lc, Ir I mnke I rnlllnll'fC'll'lymclIl,IIIl:IO
will he nn chnn!:c. III Ihe lllle linIn nr nlllnllllll fir illY lIIonlhly IlnYllIcnl. uuleu Ihc Nula Iluhler n;rrn III \.Io>rllll11: In Iho..
chnn't~, l!aufll III rrovhJcJ In .eclhm " Ille Nole "'lllIer ClIrlll nllY I'ICIIIII..! Cilllltlce ehn',;e Illite lime Ihe lonl1l1lllnllo nllll
nn Iwi or II will be rerunduJ I( J pay In rvn n!tend o( Idu~dulc.
S. LO^N CII^Ilr.ES
Ir. I.w or rtl"llllon, which 1(l1,lIulo Ihls lono .fIIl vwltleh uls ollullllllm Inll" choreu, I. Oonllylnlerp,elcal 10 Ihnllhc
10h:re~1 n, oilier lunn cllnr~cl cllllcelt:ll nr In ht: cul1~\:ltlllll c'"ll1ct:IILlIl wllh Ihi,. IWIII ucct:lI 1111: I'erllllllclllilllll~, Ihen: 1I) nny
IlIth inleu:SI IHIII/or ollter lunll chnr!;l.:! .Imn Ilc rCIIUtCll hy Iln~ nllHlunl IlCt:c,\Sllr)' In rctlllcc Ihe luh:tl:,~1 nlllllnl' IIlhcr "11I11
chn"u In lite "ermllletJ IImll; nntJ (II) Iny "11"1 nlmllly colkclul (mill lIle which tleccdcll pC,1Il1UctJ IIlnll!l will he rCrllt\lllll1
In III':, llle Nllle Illlhle, IIII1Y dllHUe 11I1ll11~C Ihlllduml hy 'Cllllcllll: Iltt: 1',I"cll'lIlluwc \lmlt:, IIdl Mille nr II)' maklna: a lllrt'1:1
I'nymenllu me. U I rcruml IrtJueu Ilfl/lt:lp:ll, III.: lellllclll1l1 willllfl hClllt:l1 o. n pll,II"II'fCl,nYlIlclll,
6. 1I0IUlOIYE/l'S F^II.Ull& TO "^Y ^S /lEQUrnW
(M lnle ChnrAu Inr O'l'crdue PnYlllelllJ
I( IlIe Nule 1I0lJcr Itnl nl1l ,cc:el",cllll.e rllllllrlUlllftl n( "ny lIlnn1hly pnYlllcnl hy Ih. en'" olnneen (1:5) clIlumlnr alny.
nCle, Ihe alllhl II ill tJ\le, I \IIilIl'"Y " Illle ch;1rl1C hI lht NtHIl lIuhlc" "he I\lIInllnl fI( Ihe chnr,. will he ny. rrrcenl {57.~ IIr
illY .chelluleJ 1''''Ylllcnl o( llfim:il'nl on,lllllcrtttl. 1 vwlll p"11111s lule chnrC4 1""1111'1Iy hili only OIlU on t.1ch Inh~ rnYnlenl, ^I'Y
"lh: ch""e willlu: III JII.lilitw III Illh:rulllll lh\lllltn 1I11!ll;.II.lhll: I'lilleil'nl rur t.1eh t.1"y Ihe rnymenl II Inll:,
',\ 1ItlI nvr" III),rn\l!.H tlJlf'U Mll'...n ~"n 1lI)lIt,.... C
IIlIr"ll",I,IIl
I'Allnlnrl
mAil"""',,"
.
(II) IJdJull
, If ~ ii" 11I11 II")' lilt: rltlllllllll'H'I.~r r,l,lt IIHlIIll,ly 1:")11"'"11/11 11,r. 11,11r. III, ,ha', I "ill lie III ')dJull. If I ,"11 III Ilc 111," It
n",lllle 11I1a:llloIll'llucll'i11 amuulIllI( 11111111,111 h II"" 'Jl/,IHI, 1I11: tj.JI~ 11t,1,ln ilia)' 11.:'1"lle IlIe III fI")' Illllltrll"llcl)' lite lull
11111"".1 1"IIu.;lp"llI,lIlH1u: lilli' nl'~I1It;,IIHIIIIIIII"Id Hd"I"~1 I1IUIIlIlY ..Oil:, 1U.IHI...llllhclIlJ.....r: IlIhJU IIlIa lllllll, Ihl\~t\el, If I."c
ulll,llllull'dudl'i11 nllllllllllur 'II)' '11111I II S~U,t)IJtJ III ku, "till I .1111 III Ild,lUII, tllr: ~jlllc lIuhJcr .....11I attlll till: n Wlillen IllIlllt:
11.:11111" III. IIt,II I( I UII 11I,1 fin)' Iha: IlYflllIJC IIUIIIIIIII 1,111\ IWllulul'Il,,,,,, 01111 roll"'II'CI Ioy n 1;tll,IllI u,llc Ii...: tluh: Iluhlta Ill,,)'
Wi"i,.: Hie h, 111'1)1 Inlulcdl'1tcly lilt lull unl'ill"lllllltll'"III.lI'III~e 1'1111 lllt.'liltlJ 1I11,1111I1'.,hllllh:tul oml nny IIll1er Illllounh Illtnl
u~\'I: IImltt 11111 Ill.,." '111"1 Ilnle 1I111U he nl 11';111 )0.1.1)'1 nllcl llie J,.lI: IJU \~llIdl lite nulln II Ullllle.j It, me III, IC II I. lUll
111.,11":1', )0 rln)'1 .ner 1I1r: LJ,lh: 1111 ....'lldl II II Ih:lhc/r"111 11111,
(C) N'I Wnl~~r Uy Noh: Ilul.)tf
lh~n If, .1 " Illite ""Iltll I '11I 1111":101111, !tIe Nule lluhJe, Ifuet "<I' IClp,he III. IIJ I'ay 11IIrtlcJllllcI)' II) rull .. tJu(lllJctJ
nlllH'~, lit. tllIl. 1I0hltr 11,111.1111 hll~e III. Ii!:hl III tl'l 10 H , '"1 In Je(.mll III I Iiller lillie,
tU) "IlYIUCIII or Hule IlultJtr'. CUlh "I''''' EAjlrlllr.
If I tle(oull, \.Vhtlher or 1IIIIIIIe NOle II..hlrr hn. ICllullr,1 1I1~ lit I'ny IlIIllIclJlillely In rllll.. iJu("I~ciJ Ibuve,lhc Null
lIul.jcr will "l)~c lite 111:111 hI be flRI.) bOl"'''' IIY tile (Uf 011 ur III (utl. nuJ c).l'cmCl In cn(oftln, Ihl. NullO III llie UIClII "I'll
IlIllhlhllul It)' npplkahlc lAW. 'I hme uflel!&CI IlIdude, (lIf t.l.nllll"~, rr,:uollnh/" .lhHIlCY" reCl not ,,'lIlIlhlle4 by Ippllcnhle
lAW, I will nhl) IIAY' cIltui:e o( S 10 phaluy ActUlIll'illlk dlA'Utl (ur tilth .jhlll)1I0'1:l' thtckl tJun Or olllcr Iltilfllllltlllluut.J
lIy 1111: In IHIYlIIClllulI IlltllllUll,
"
7. GIVINl; OJ' NUTlCE~
Unlcn "ppllca"lc I.IY refjllhes a uHrcll:111 Illetllu,l, nllY Ilulke Ihill IllUult. liven 10 Ille ulhlrr Ihl, Nule w;II be Ilvell
U)' Ilcllnrlll; tl ur by IIlDHln~ II lIy Iilll cI,u. /lllIlIlu tile nlllle 1'11I1'1:11)' Atlu,ul .1J0\lC or at. Jl(rennl .tltJfCU Ir I ,lvI IIIC
Nole Iluluu . nullcc o( lilY tlllrclcnl .tlJltll,
Any nullee 111111 1111111 lit. a1vtll to Ihe N"Ie: IIlJldr.r IIIUICf Ihh Null: will he c1vrn hy IIIDIII", It II)' n"t c1l1n IIIAlllo Ill.
NUle lIulJer Alllle 'Yuleu Ilnlcd III St,1I1J1l J oll!.)ve ur .1. yU(t/wl nJ""nul( 1.111 alven. nollu orlllnl cJlffcrr:nllcJllnu,
ft, 1I01l1IOWEIl'~ WAIVWS
I w.lve IllY rlllhlslo ,ellul,e the Nole 11.,hfer 10 UO tCltntulltlll&S. 1110lC IItln,. Ife: (A) 10 ucmlluJ (lI)'nlenl or IlII0llnl,
ulIe (kuown fl. -l'ltlr:nlmc:nl-): (U, 10 live lIullc.:t th,,1 nUlllllnlllllle It"VI! IIv1 be!:n flnl'" (known III -nullcc or t.ll.honor.); (C)
In 111.1111" nil tJ(fjclol (elllneDltnn o( nnnpA)'nlr:nl (kl1lIWIl o. n .pmltSl-), Anynllt tl~t (I) who acreu 10 kup lite: rrolllhn mnlle
III Illls NIII~, IIr (Ii) 'WIlli n~lcu III IUII!.e jlilYIllCIII' I.. 111~ Null: 1I"ldcr If I rulllu kccll Ill)' I'IOUlI~ts 1I1'liIt:r 11111 Utllc. nr UI1)
wlut SiCIlI IlIh Null: It) Ilnlll(..:r II 'II ~IItIlCnll": cl~e (t.1It11\11l AI .~u",nlllll/', 111,.:111:1, 1m' 1:11.)11'11:"-'1 alslJ wnlvn IltCSt rl~hlS.
9, TillS NUn, CO V Ell Ell 11\' A SI':CIIIlII'l' INSl'Illl~lfo:NT
A SeclItily IUllnll1ltl11 or even t!1l1r: cn..l.dllill~ 0 IICltrlpliun IIr tll)' leIllplOpell)' I"I)IC(I. Ihe Nolc IlolJer r,ollll'Olllhlc
IlIun which 1Illlilll IClull If I illl 11111 "tel' UIC I'"IIIIIICI ....hkh I Illuku III 1111. Nnh:, Thl, Nolll II Ucl"eJ hy Ihnl SCl;u,hy
In~tnllllelll. 'I hill Sr:Cllllly '"II,umrlll tlucllllc.lluw nllu ulI.)~r WhDI (1)11"1111111I I HI,'y he IC'IUI,W 10 IlInke IUItIlt:ulole pnymcnl
III full orDlllIllIOllllh Ih411 ol\le under lids Nule,
10, IlE~I'ONSIIIILIn' ur I'EIlSONS UNIlEIl TillS NOTE
Ir 1II0le 1IIIIn one I'UllJlI 11,," lid. No!e, r.ach of u. I. (1I11y DntJ I'~rsllnnlly olJlIl:olrtJ 10 po)' Ihe rull amounl owetJ rlul
tilt cllOrl:CI lIS ulIlcdbeJ In Secllolll 6(A) InJ (j(O) In.) 10 keel' nil or Ihe jlruml.u ntnJc In Ihl. Nole, An)' lunnnlQr, 'Uttly,
or cnUOlltr o( lilt Nole (nl ul:letllJeu In Secll1'1n 8 "huvq) Is 11110 u"lIl:nlClllO tJu Ihue Ihlo,l, 1llc Nole lIolder OilY tnrlutt
II. ri,hll unJer lhil Nole "IInll'l11 ea...h or ulIHJlvlulIlItr)' or A6:oIIlSI DIIII( Ul'llo&r:lher" 'fhl. Il1Cl1n.lhnl nil)' une orll. Mlny he
r(ll"iruJ 10 II1IY Allor lhe /11110111111 OWCU uuJet Ihh Nole,
Any penon who lAkes over lilY Ii~lltl nr uhlil:DltllllS IIl10Jer lids Nule will "nVt 1111 o( illY r1i:hll 101.1 IllUlt hep nllll( Illy
jlllJlIli1U mnde III lids Note, Any perilln \\lito Inh. over Ille 11,111' or 01111&:0110111 of 0 Ilunrllntur, lurely, or !:l1uuncr o( lit II
Null: (AS JUt.:rllJeJ III Scclloll 8 IIlJilve) Is nis" uhOgnlclllu keel' 1111 ur Iltc "l/JlIllses llIiJt.lC In Illls NOlc,
II. A\'I'I.ICAIIW LAW
l11is NIl/e IIlntl be eovr:rl1eJ II)' the l;aws or lhe COllllllonwenllh or I'ennl}llvnnla nod any nrl't1cnL,le rcilernllllw, In Ihe
evenl of I conflict helwcell any pmvtlloll uf lhia Nole nllll no)' r(lIernl Itr Pennsylvanln ,'olllle. 11Iw or fc,ulnlllln In err.:cllll
uf Ihe ll.ue Itr Ihls NlJle, Ille slnlllle, 1,,\\1 or re~l/ri1II""lltnll clllllrollo Ihe clllclI( of .lIch COllnlcl /1m' Ihe cnnnicllllC provlslun
COlllAllled III this Nllle 1111\11 lill \\ilhlllll crr,,:cl, AU nlh~r Ilruvl,iltllS or litis Nola: \\1111 relltnin rully dra:cllve amI ellrurcCllhle,
WITNESS TIIG IIAND(S) AND SGAl(S) 01' TIIG UN~' B ! '0, ~tf,(?
. A:~ '{{!fJ6t-<nU (5..,1)
Char lOD HcCow'n -Dorrower
4t;:u.:r_ /1.' ~ &In/ (5"1)
~iCh, A. ~lcCown . -Uorrower
(5",1)
-Uorrower
_(Sml)
.Illlrrnwer
.
r^ lUll oVnlllIIO,WVlSr n"l!lI ~Tll^" ~nu tllIJU, A/'I;
flO l'rrllOfllUJ
fMII!JOI'1
Ull>>IOArAU
TIHllll', LA\\'
() F" , f: ".\ l) r
GREGOR\' .JA V AIUHAN
"., SC:lIIl11l,\III'~" Illkl!
S"II"JI/,1
,~I/IIII"II//""",mIN')("
I'I)I/II~; (JI5) 'HJ,~fI')lI
Ii,~: IJI5) "IJ,'xm
June 24/ 1997
I'I"/II/M/~II" 0>>""
JIIJ/IIH:/I.IIIllwl
JIII/""HII'S"itV
/'/lIlm/vl/'/JIII,HI /'/11.1
TO: Charles Mccown
patricib A. McCown
82 Hillside Circle
Camp Hill/ PI'. 17011
.
.
Ilh"'WII:/11,I'1U
,\lIIII/I,'III/'/",,'Jff;-",,-'
IMPORTANT: NOTICE Of HOMEOWNE:RS' E:MERGENCY
MOR'I'GAGE: ASSIST/'.NCE: /'.CT Of 1903 PI,EASE: RE:/'.D 'I'HIS NOTICE:
YOU M/'.Y BE: E:LIGIBLE: fOR fIN/'.NCIAL
~~ANCE TOW/'.RD YOUR MORTGAGE: PAYME:NTS
RE: Account (loan) No.
Property Address:
0660708926
82 Hillside Circle
Camp Hill, PI'. 17011
TO: CharLes McCown and Patricia /'.. McCown
fROM: /'.lliance funding Co.
Your Mortgage is in serious default because you
to pay promptly installments of principal and
required, for a period of at least sixty (60) days.
amount of the delinquency is $5,435.00.
Y9u may be eligible for financial assistance that will
prevent foreclosure on your mortgage if you comply with the
provisions of the Homeowners' Emergency /'.ssistance /'.ct of 1983
(the "/'.ct"). You may be eligible for emergency temporary
assistance if your default has been caused by cLrcumstances
beyond your control and if you meet the eligibility requirements
of the /'.ct as determined by the Pennsylvania Housing Finance
/'.gency. Please read all of this notice. It contains an
explanation of your rights.
have failed
interest, as
The total
Under the act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date
of this notice. During that time you have the right to arrange
a "face-to-face" meeting with the representative of the lender, or
with a designated consumer credLt counseling agency. The purpose
of that meeting is to attempt to work out a repayment plan, or to
otherwise settle your delinquency. That meetLng must occur in the
next thirty (30) days.
TilE LA\\'
I'" ,,',;\ ",
GUm;{)JO' .f,U/lIWI,ltv
If you attend a face-to-face meeting with the iender, or
with a consumer credit counseling agency identified in this
notice, no further proceedings in mortgage foreclosure may take
place for thirty (30) dolYS after the date of that meeting.
The name and telephone numbur of the roprenentative
is: Mark Abbott
Telephone Number: (1-800 451-1093 ext. 60'/2)
.
The name(s) and address(es) of the designated consumer
credit counseling agency(ies) is(are): oee attached
It is only necessary to schedule one face-to-face meeting.
You should advise the lender i~nediately of your intentions.
If you have tried and are unable to reoolve this problem at
.or after your face-to-face meeting, you have the right to apply
for financial assistance from the Homeowners' Emergency Assistance
fund. In order to do this, you must fill out, sign and file a
completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing finance Agency. The consumer credit
counseling agency will assist you in filling out your application.
It must be filed or postmarked within thirty (30) days of your
face-to-face meeting.
You must either mail you application to the Pennsylvania
Housing finance Agency. or you must file it at the office of one
of the designated consumer credit counseling agencies listed
above.
The Pennsylvania Housing Finance Agency is located at 2101
North front Street, P.O. Box 8029, Harrisburg, PA 17105.
Telephone Number: (717) 780-3800 or 1-000-342-2397 (toll free
number) .
An application for assistance may be obtained from the
lender, from a consumer credit counseling agency, or directly
from the Pennsylvania Housing Finance Agency!
It is extremely important that you file your application
promptly. If you do not do 50 or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available fundo for emergency mortgage aosiotance are very
limited. That will be disbursed by the Agency under the
eligibility criteria established by the Act,
CONSUMER CREOIT COUNSELING AGENCIES
(1) IIction Housing, Illc.
Numbor Two Gateway Centor
9th I!'loor
pittsburgh, 1.'1\ 15222
(412) 391-1956
(2) IImerican Hod Cross- Hanover Chapter
529 Carlisle Street
lIanover, l'A 1'/331
(717) 637-3760
(3) Bucks County Housing Group, Inc.
140 ~ast Richardson I\venue
Langhorne, PA 19047
(4) Consumer Credit Counseling Service
of Delaware County
1211 Chestnut Street
Suite 411
philadelphia, pA 19107
.
.'
(5) Consumer Credit Counseling Service
of Lehigh County
3671 Crescent Court East'
Whitehall, 1.'1\ 18052
(6) COllUni8sion on ~conomic Opportunity
of Luzerne County
211-213 Main Street
Wilkes-Barre, pA 18701
(717) 826-0510
Carbon, Columbia, Luzerne, Monroe
Schuylkil and Wyoming Counties
(7)
Consumer Credit Counseling Service
of Western pA. In.
309 Smithfield Street
Suite 2000
Pittsburgh, 1.'/\ 15222
(412) 471-7584
662 North Main Street
Greensburg, pA 15601
(412) 830-1290
500-02 3rd Avenue
P.O. Box 278
Duncanville, pA
(814) 696-3546
1st .ederal Plaza, Suite 406
North Mill Street
New Castle, PA 16101
Allegheny, Armstrong, Beaver, Bedford, Blair, Butler,
Cambria,
Camerton, Clarion, Clearfield, .ayette, .ranklin, Fulton
,
llJlIl!~ IL,A \Y
" ,.. 1,1 I:" \ ,. I'
(mE(WRY.li\VAIUHAN
"'IS"CflUd.\'/I'l!t'//'lh'
.\illlll1/l1
,"J//IIIIII"i'IIIII,/ll/h'J(,(,
I'hlllle; (J/~) !)ofl,%'JlI
IYLV: (215) 9011,%95
June 24, 1997
rhil,III,IIMf/ OJjlCl
:!f)21/.nrlll'.'iJm'l
2"lIl'/oor.l'lIil,1
Phillltleli'hll/, III 19I11.!
,
TO: Charles McCown
Patricia 1\. McCown
3505 Countryside Lane
Camp lIi11, [>/\ 17011
.
l'I."lt ,,/,I)'ln
,"'w,hnllll"""O/ficr
IMPORT/\NT: NOTICE Of HOMEOWNERS' EMERGENCY
MOR'rG/\GE I\SSr.ST/\NCr:: ACT Of 1983 PLEASE: RE:/\D THtS NOTICE:
YOU M/\Y BE: ELIGIBLE fOR fIN/\NCIAL
ASSISTANCE: TOWARD YOUR MORTGAGE: PAYME:NTS
0660708926
82 Hillside Circle
Camp Hill, PI'. 17011
TO: Charles McCown and Patricia A. McCown
fROM: Alliance Funding Co.
Rl!::
/\ccount (loan) No.
Property Address:
have failed
interest, as
The total
Your Mortgage is in serious default because you
to pay promptly installments of principal and
required, for a period of at least sixty (60) days.
amount of the delinquency is $5,435.00.
You may be eligible for financial assistance that will
prevent foreclosure on your mortgage if you comply with the
provisions of the Homeowners' E:mergency Assistance Act of 1983
(the "Act"). You may be eligible for emergency temporary
assistance if your default has been caused by circumstances
beyond your control and if you meet the eligibility requirements
of the Act as determined by the Pennsylvania Housing Finance
Agency. Please read all of this notice. It contains an
explanation of your rights.
Under the act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date
of thi~ notice. During that time you have the right to arrange
a "face-to-face" meeting with the representati~e of the lender, or
with a designated consumer credit counseling agency. The purpose
of that meeting is to attempt to work out a repayment plan, or to
otherwise settle your delinquency. That meeting must occur in the
next. t.hirty (30) clays.
TilE 1.,\\\
"" '1-'; \ III
I;W,:I;()ur .IAUJW',\/V
If you Btt~nd a face-to-face meeting with the lender, or
with B consumer credit counseling agency identified in this
notice, no further procelldings in mortgage foreclosure may taklJ
placo for thirty (30) days a(l:er t11ll date of that meeting.
Thl) name and telephone number of the representative
is: Mark Abbott
'l'elephone Number: (1-000 4~1-1093 ext. 6072')
The name(s) and address(es) of the designated consumer
credit counseling agency(ies) is(are): see attached
It is only necessary to schedule one face-to-face meeting.
You should advise the lender immediately of your intentions.
If you have tried and are unable to resolve this problem at
or after your face-to-face meeting, you have the right to apply
for Einanclal assistance from the Homeowners' E:mergency Assistance
Fund. In order to do this, you must fill out, sign and file a
completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application.
It must be filed or postmarked within thirty (30) days of your
face-to-face meeting.
You must either mail you application to the Pennsylvania
H<Jusing finance Ag'lI1cy, or you must file it at the office of one
of the designated consumer credit counseling agencies listed
above.
The Pennsylvania Housing finance Agency is located at 2101
North front Street, P.O. Box 0029, Harrisburg, Pl\ 17105.
Telephone Number: (717) 780-3000 or 1-000-342-2397 (toll free
r\llmbe r) .
An application for assistance may be obtained from the
lender, from a consumer credit counseling agency, or directly
from the Pennsylvania Housing finance Agency.
It is extremely important that you file your application
promptly. If you do not do so or if you do not follow the other
time periods set forth in this letter, forcclosure may pit-oceed
against your home immediately.
Available funds for emergancy mortgage assistance are very.
limited. That will be disbursed by the Agency under the
eligibility criteria cstablished by the Act.
. 2. On May S, 1995, Defendants entered Into Il Mortgage and Note In the
principal amount ofS77,220.00 with Alllll1lce Funding Co. and said Note and
Mortgage were assigned to LaSalle National Bank as Trustee for AFC
Mortgage Loan Asset Backed Certiflcales Series 1995.3 Under the Pooling
. .
and Servicing Agreement Dated 6/1/95 Series 1995.3 on May 10, 1995.
3. Said Mortgage is now in default as R result of me failure ofDefendll1lts to
mllke payments due for Jalluary 12, 1997 and to thereafter cure said default.
4. In accordance with the filed Complaint, the following amounts are owed on
said mortgage:
Principal Balance $74,720.00
Interest to 8/1/97 5,903.59
Acc;um. Late Charges 298.76
Propel'ty Inspections 100.00
Attorney Fee/Costs 3,736.00
.............
TOTAL $84,758.35
5. The per diem rllte is 526.59 for each day after August 2, 1997 that the debt
remains unpaid unt\1the date of judgment plus costs of suit and attorney fees.
2
Y}llRlVICATIO\l{
I, CHAJU,ES MCGOWN. h(!re\Jy verify thnt the nvermonts of. tho foregoing plendlng ore
truo ond correct to my porsonnl knowledgo. lnformutlon ond \Joliof, I understond thot fuleo
stotomonts herein ore mode subject to tho pennltles or 18 PIl,e.S, 84:)04. relotlng to unsworn
falsification to outhorlties,
~~~0-.i'
CHARLES MCGOWN
Dole: 'OCTOBER 20. 1997 .
, '
.'
,
I,
"
1 )"
.,
,
. I
"
, .
/-.
".
LASALLE NATIONAL BANK AS
TRUSTEE FOR AFC MORTGAGE
LOAN ASSET BACKED
CERTIFICATES SERIES 1995-3
UNDER THE POOLING AND
SERVICING AGREEMENT DATED
6/1/95 SERIES 1995-3
v.
CHARLES MCCOWN AND
PATRICIA MCCOWN
I
I
I
I
I
I
I
I
I
I
I
I
IN 'fHE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 97..4685 CIVIL TERM
IN REI PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE HOFFER. P.J.. OLER and GUIDO. JJ.
ORDER OF COURT
AND NOW, this 2btday of April, 1998, upon consideration of
Plaintiff's Motion for Summary Judgment against Defendants, and
Defendants having not filed an answer to the motion, submitted a
brief or appeared through counsel at oral argument, and having
filed an answer to the complaint consisting only of admissions and
general denials, and having not produced ev'idenco of facts in
support of any affirmative defense, Plaintiff's motion for summary
judgment is granted.
JUDGMENT is hereby entered in favor of Plaintiff LaSalle
National Bank, and against Defendants, Charles McCown and Patricia
A. McCown, in the amount of $84,758.35, plus costs and interest at
$26.59 per day from August 2, 1997, until the date of judgment and
legal interest thereafter.
TRUE COpy FROM RECf"\\O
In Tw:mJn,' whereof, I here 1;1t, .U my hand
and the sea~f said Court at Car.lisle, Pa, ~
This ..;,~....~'tJ of ,,91,....
........
........-............... ..,.,
BY THE COURT,
J
.-"- ... ,"
LaSalle National nank, As Trustee
for AFC Mortgage Loan Asset BacJ~ed
Certificates Series 1996-3 Under
the pooling and Servicing Agreement
Dated 9/1/96 Series 1996-3
COURT OF COMMON PLEAS
t CUMBERI,AND COUNTY
VB.
97-4685 CIVIL
CHARLES MCCOWN AND PATRICIA MCCOWN
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: CHARLES MCCOWN AND PATRICIA MCCOWN
82 HillGide Circle
Camp Hill, PA 17011
Your house (Real Estate) at 82 Hillside Circle. Camp Hill. PA
~~, is scheduled to be sold at Sheriff's Gale on WEDNESDAY. SEPTEMBER 2.
~, at 10:00 a.m., in the Commissioners's Hearing Room located on the 2nd
Floor of the Cumberland 'County Courthouse, 1 Courthouse Square, Carlisle,
Pennsylvania 17013, to enforce the court judgment of $92.123.78 obtained by
LaSalle National Bank. As Trustee for APC Mortgage Loan Asset Backed
Certif~~eB Series 1996-3 Under the pooling and Servicing Agreement Dated
9/1/96 SERIES 1996-3 against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Gregory Javardain,
Esquire the amount of the Judgment plus costs OR the back payments, late
charges, costs, and reasonable attorneys fees due. To find out how
much you must pay, you may call: (215) 942-9690.
2. You may be able to stop the sale by filing a petition asking the
Court to strike or open the judgment, if the judgment was improperly
entered. You may also ask the Court to postpone the sale for good
cause.
3. You may be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one,
the more chance you will have of stopping the sale. (See notice on page two
on how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU
HAVE 01JlER...F.lS3HTS EVEN IF THE SHERIFF'S SALE DQES TAKE PLACE
1. If the Sheriff's Sale is not stopped, your property will be sold to
the highest bidder. You may find out the price bid by calling Gregory
Javardian, Law Offices at telephone (215) 942-9690.
2. Vo. maY b' abla to p.t't'on tb. ,o.,t to a.t a,'de tba ,ale 'f tb'
bid p,ita .., g,o"'Y i""d,q.ate ,_"ed to tbe v".e of yo.' p,opet'Y'
3. The sale will go through onlY if the buyer pays the Sheriff the
full amount due in the sale. To find out if this has happened yOU may
call Gregory Javardian Law Offices at telephone (215) 942-9690.
4. If the amount due from the buyer is not paid to the Sheriff, you
will remain the owner of the property as if the sale never happened.
5. you have a right to remain in the property until the full amount
due is paid to the Sheriff and the Sheriff gives a deed to the buyer.
At that time, the buyer may bring legal proceedings to evict you.
6. you may be entitled to a share of the money which was paid for
your house. A schedule of distribution of the money bid for your
hOu,' will be fil.d bY tho Sh.,i'f on O,tob" 2. ,998. Th" a,badul'
will state who will be receiving that money, The money will be paid out
in accordance with this schedule unless exceptions (reasons whY the
p,op.,ad d"t'ibuti.n i' w,ongl a" 'il.d with tho Sh.,i" within ten
(10) days after october 2, 1998.
7. you may also have other rights and defenses or ways of getting
your house baCK, if you act immediately after the sale.
Xl)" "n~ TA" T'" ~'~ ~ y~ "1foy~ ~ ~ ~ ~ If. """
~r. g~:R ~. ~;::oT AE' D ~~; ~ ~~ DR'" t~~.E T>lIl 9",eE
E T F OUT WHERE (' T LEGAL HELP L
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
"
LAW OFFICES OF GREGORY JAVARDIAN
BY: GREGORY JAVARDIAN
ID~ 55fi69
44 SECOND STREET, SUITE 203
SOU'l'HAMP'l'ON, PA 18966
(215) 942-9690
ATTORNEY l"OR PLAINTIFF
LASALLE NATIONAL BANK, AS
TRUSTEE l"OR Al"C MORTGAGE I.OAN
ASSET BACKED CERTIFICATES SERIES
1996-3 UNDER THE POOLING AND
SERVICING AGREEMENT DATED
DATED 9/1/96 SERIES 1996-3
135 SOUTH LASALLE STREET,
SUITE 200
CHICAGO, II, 60603
Plaintiff
VS.
CHARLES MCGOWN
PATRICIA MCGOWN
82 HILLSIDE CIRCLE
CAMP HILL, PA 17011
Defendants
THIS IS A NON-JURY
MATTER. ASSESSMENT Ol"
DAMAGES HEAIUNG IS NOT
REQUIRF,D.
COURT Ol" COMkoN PLF,AS
CUMBERLAND COUNTY
97- q&OJ (!A'~L
I
I' "
I
1
COMPLAINT IN MORTGAGE
l"ORE:CLOSURE
COMPLA~NT - CIVIL ACTION
NOTICE
YOIl have been sued in Court . If you wish to defend against
the claims set forth in the following pages, you must take action
'within twenty (20) days after this Complaint and notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the court your def~nse or
objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you and a
j\ldgment may be entered against you by the Court without further
notice for any money claimed in the complaint or for any other
claim or relief requested by the I?laintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE: TH I S NOTICE: TO YOUR LAWYER AT ONCE:. IF YOU
DO NOT HAVE: A LAWYE:R OR CANNOT Al"FORD ONE, GO TO OR TELEPHONE THE:
Ol"FICE SE:T FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HE:LP.
CUMBERLAND BAR ASSOCIATION
Lawyer Referral and Information Service
TRUE COpy FROM R!CdRlR, . CUMBERLAND COUNTY COURTHOUSE
InTlStImonywhereof I h CAHLISLE:, PA 17013
. . ere unto set '"Y hand ('11"1) 240-6200
4 01 ~~~ W}t Carlisle. ~ '1
cJ ~,L tlJ - 19--,;,-
Ih1lltJwrr ahnlllltlrllllll "II IJf II, II I lI\\'tl 'I lJltlil:Mll'lIu '111,1.'1 "IIY 1Il1l11/lUI:t, 111'1'111,r h,,~l III Illhl"
1I'.:U,ily Ill~I"IIIlr.1I1 ....'1111, ClI'IIIII1" III hll...lll': Ill'dudl)' ilV1'1 Illl~ 1\1"'11111)' III\hllllll'1l111ndlllliullltitlllltllllllltrtl
hi. I1UllllWn', n....r.1I;1ulln 1I1,'~I'Il;1~UWllh \~hl"lI '/lll'. 1I,llllIW"1 l.h'llll'I'lllllllly ,1I.lhllllol"IUlY IItll whllh hf\~
I'IIUllly 1I\'1'lllIh rir&;U1lly Itl~lllllll"1I1 (111111'1 11,,11I,1 ~l'uilll IIl1l1tl:' I"', ,In'lI IIlln,~111I uJllrl M"'lIllly 1u..lllllllrnl
/11'1"""'1'11 hy I J'IIIII'I lit IIII' nUll! 11'1lI11'1i1"tillll ullld~ 1\""111 II)' 111',11 111111'111 nllll \\.<1111 11'''1'''' I hi \\Iddl !lilt 111u.'rl
I "lll"lIrl ......41t tlw 1'1"...I\I,,"~ 1111111' IHIIIl"lllIlldy 1'11"T,lilll~ ~"lIl"'"1'l u'lh"... 1\"'111\""": In) (11'1"1'...111 ,\'dllnlt
1"lh~ 1',1)'1111"11 "' lIu'III,lij'"IIIIII""'"1",II,)' IIII' 11"111.." 111''''11'1 """1,1,,1,11' "1"'11,1."1 tit) 1"1111,...1\ III Will!I
',lith II... tinl II)', III Ikl,.tl,t~ "1:"iW,1 1'11/""1'1""1111,11111: h," ill, "1'"11"1",,...11111'" \..hhlt 11IIJ'.lIh'I'... 1'1'11111,"
"I'l",lll' I" 1'":\'....1 till' l'llllllll'UlI'll1 IIf 1111' 1"," ; III (" ~n ..,n 11111I' II..: lu,ld"1 III Ih,~ h.'1I nil Dlllt.'CllIenl
ulld,'lhllY 1I11.I:'11.)r, ~uIIlIlIUu,'IIIII: 111(' !it'll hllltl!! :)1"'11111) 111\111111I1'11/ 1111'1\11,., tlI'h'llIIllI('& Ih,,1 nny 111111
ll( IIl1l 1'llIlll'lly h luhjrd II' n 111'11 whkh IlIllY nlllllll 1't1I11ily 11""'111115 !)1'I:IIllly 1t15ltUIlIl'II1, 1.~llIlrl IlIny Cive
Ihlll<l\\11 n tlIIII...: I,kutilyilll: IItl' IIl'U 1I1'III1Wl'1 ~h.lll Mllhly till" Ill'u "' 1,1~I' IIIII' HI Itllllr IIr 11ll' ndlllll\ ad
'1I1lh 1,III'\,1" wllhiu It) d,,)'\ III IIII' &1\1111.: H'IIIII"~,
4, IInllltll nr 1"'''lll'l'l)' III\urnlln', 1I01l1lWr, 5tll11l hrp IIII' IIllI'III\'l'mr.lll' Ill'\Y ulllltlk'"
htltAflCI clrdl'J1 011 lltl! 1'1II11t'lly i"~'ul"l' lIl!illll~1 It)~! hy Ii..., kl/nlil.. ltll'hul.'d wllhln Iltl! 1l'1I1I "rollt'I..lrl)
CI}\I(lnl~c. '"111 nllY olIIC' 11I'l:t1ds, I"dudllll: 1I1l0./' 11/ I1Llll.lillll, 111I wlddl I J.'llIkr Ir1Itlllr.. IIlIUflInt.'r., 'fltl,
Imll.Mlrc .hull he lllnlU!;llllrt! lUIIII! 1I11100"IIIIIIIIIIIlI 11I,' 1'1'11,),1\ 111111 1"lIdrr jI''l"h,'~, "'lll'l unt:d Ull~ (1/11
lL'jll.l,;clIltnl C"l' or Iht: IlUihll/l~ll\luJ 111I1'11I"'1"111'1115 IIIl Ille l'llfl'rtly 'I Ill! I/lMlIltlI' p, \lIttler l'III\lItIIlI' Ihe
imltllw,;c 5111111 h,! chn~CIl hy lIuIIUWrt ~uhjt'l'l In I rutin', :'1'1'111\,.11 \\1Ihll r.h,,1\11U11 Ill! 1I1l11'MlIlIlIhly
.....ilhlll.:ItI, Ir IhlltllWCI rnlh III IW1Itlr.,IIlI'l'......I;II.~C dl,~('tihnl 111111\1', Inlll,', ilia)', 11III'lIlkl'& "1'111111, nhlnln
\'u\'ell1l:c Itl 1!lIlled Lt:llIlcl" ""Ills III lIlt: I',uprll)' III rlI'ulI,I,III"I' \~l'h l'ill:ll:lIll'lI fl.
All illslllnlll'l! l'ulidc5 nnll I~l1e""'lIh l1lUAI II(: nntlll.llll" I,. I ~lId('1 1111" 1111151 IlldllJe ,. l'I",llllll
II111111111JlC d,"HI: In rrl"'l)r llr nnd In n r"'llI IIccrplnhlt: I" Il'I,drr, I 1'...lo:r ~hnll hn"'l! Iht ,lllltl It) hllltllhe
IMllic:lcs tlllll u'lIcwnls, If 1J.:I1Jl'r Il'qullcl, IhllHlwn shillll'lIl1lll,lly 1.:1....11 ht 1..l'III!ef nIl Icecllla, I}r I'nltl
I'lcmhutl! And IClIcwul nullccl, In the t:\'elll ur Itl!l~, IJIIIIU\~'I'r ^III,1f I,j\lc 1'1Iltllpl lIullcc II) Ill!! ImullHlCe
cnr,ler mul, Lender. 1..r.lUln mil)' IUnk!:: plllOr Ilr IlJfi~ Ir 111111111,,11' 1""lIIl'lly hy IJllllOv.ef,
Unlus l.J:l1llcr 1111,1 1I0tlt)wcr ulhu.....lsc ICICr: III WIlling, In~lIIntl"'ll 1',II(el'lh ,111111 lie 1l1'11UtJ.! lu
ttllnrnlllln or rtflnlr o(lhe l'.tll'CIly lllllllnCt:'J, Irllle Ic.\lnrlllillll ur fl'l'lllf Is rClIllllllllcnlly rr.Mihle nmJ l...t:mltr'a
lecllrtly If II!)I leuellrtJ. I( lilc ItllOIAllon or II'I'Alr Is 1\l)1 rClU1IHuknlly rrn\lhlt: Ilr 1..r:1,t1rl'~ 6rclJdly l,l,'IIuhJ
he lc.ut:llcJ, Ille 1/l5l1Inm'c jllllCel'tJs shrill be npplieJ It) Ihe SUl1IS 1(',:111('.1 hy IId~ ~ccUdl)' IUllf\III1l!III, whdlter
or IltJllhclI oIl1ll, wllh 111I)' o:ac!::u 1,,,ld h, Ihlnll\\rer. Ir 1J"'''I.....cr nhlludilll5 1111" l'I"I'('lly, 'If dllt:5 IIllt nllSWtr
.....11111.. 10 11.1)'S n I1l1licc ('Olll 1..l:l1.rcr III;'!tlhc ImHI,'II(C <:111/1cI II;I~ olklrd Illlrltl~ n 1"/011111, Ihen Lr.llder IUny
clllled lite 11I,~Ulnllce flIOr:r:Ctl5, lClldu lIlU)' ll~e Ihe 1'1Un'l'tlS Illlt'll;1lr or II'~hll~ Ih~ 1'lI11'I'IIy Of 10 111'>, IIIIII!!
u:clIrct.! hy Ihls Securily 111511111111:111, .....11('1111'( l)r 1I011ht"1 dll(~ 'IIII~ .\O,d;I'j IWli1ll1 will h!'llltl \~hcn Ille IItllke
h ,Iycll,
lInleu 1.J:'l1der Alulllllllowcr <)th~lwhe .~.ce III WdlillC, nny "I'plh:nlhllll)( IIIllc('('lls 10 I'lInc\Jlnl ,hnll
nnlulcl\ll 01 jlOslpOne Ille Iftle Jale or IIII' tlIOlllltl)' pnYllll!ul5 Irrerred Itllnl'Mn~llIph I or rh,1111lC Ihe nmollnl
"fllle I'01)'IIII'nl,\, IrllJIIIl!r 1'1IIn[~I;'l'h 171111' I'lfll't'lly I~ nt"rl',irrd hy I-cudn, 1111I11\\\'1"1'5 111~hl hI nllY IlIw",nre
1,"lil:lcs 1I1111I'rm:cccJ,\ le~lIlthll! f'''1ll d,lIl1a/;!' III the I'l"petl)' pd"r III Ihe I1nplhilillll ~11..lIl'a~~ II} LI~lIIJl'r h)
Iht. ulelll or Ihc 5UIlI5 ~f:(lIf('d hy lhls ~......util)' IIl\hlllllclll 11II1I1l'dj"tdy 1'1 illl h, lhl' rh"IIIi:.itltlll,
~, OCClllI:IlIC)', l'I'(lSu\'Ulloll, ~1:lillltllrlll[r lllld l'ntlt'cliulluf 1111' I'rlllu'rl)'i UIlrl'n "cr':,; tOlltl
^1'I,llnlllllllll.('rl.~chllld,~l ClIlIrluUIIHlulII'j 1'1111I11('.) lJIlIIIJI~\'l'I"f111li'"I~, UlIlc\\ 1lIlIlIlWt'r'~ t"rllllll'l'lknlilln
nllll LCllIlcl'5/0.111 npl'.Il"'111I'W...hlrtl thaI the l'lill'clly \\'n\ lIollr'l'lhrlllll he rJo:upil'd;ls IItHIIJI\'l'I'S 1't1lldl'lll
IC!'ildl'lllC, Illllluwt:r ^h"III1',l:lIl')', nl:I"li~h, 1111.1 11\1: II...! l'IOl'o.:lly il~ 11,"10.....':"~ pll'lI:ll'flll!'~i,Jeu"'l" within
(..0 cJnys "rt!'f lite elC...IlIiI)III,r Ihi, Sccutily InsltuUll!III11l1d ,~hall wntiUHc 10 on;lI!')' Ih~ 1'1ll1't'lly 1I.~ llllllnwer's
!'tlllclpal residence: (ur al 1t'.1sl I ye.1f n(lil:f IIII' J,11e ur uCCllpnlll'Y, Ult!e,~,~ L('ntft~r lllherwhe ;lI!ICC5 In wrillnl!,
which r.l)n~enl ~h:lll'ml he IIll1rll~on"hly Wilhhr.ltI, ur 1/llle~,~ ulelllllllilln clIClllll~I,ln':t'5 eli~1 which nrc lJeynmJ
Illlllllwrr'~ Cllllllol, lltllrnwcr ~11r111 nlll "o.:~IHJ)', tlillllaJ:r' ur illll'lIl, Ihr I'lll/,ell)', nllow 1I11! "'opellY 10
tlclcriurall', ur CllItllllil \\'I'~le t/ll Ihe l'rlll'l'llY, Ilnllo\\'cr .,11;111 loI' ill IkfrlUlt If nny fnrf!'illllC rlclillll or
l'IlIl:eclllllll, .....helher c1\1il ur Ollllllllll, h hl'(!.Ulllltill ltll.cllrlcr',~ l!llflll railh jllllgmrlll cflllltllr~lIll ill rlll(dlurr.
or Ille I'llIpclly 01 1I1hclwh(' Illnlcliilll)' hll11llil lilt! 11t.:11 CfClllrll hy Ihh St":UlilY ImltlllltClIl1lf Lcndn's r;cclIrlly
1..lercsl. IItHlllwcr ~haH 1I1so "e ill urr,1lI11 If lJilflowt.r, Ihnlnl: !lIe hlllll nl'pllrlllion prfJccs.', j;llvr. IlIl1lc,lrllly
fllhc IIr 11I:l(flll;llc: illflll'llIlIillll IIr ^"lll'lIl1:nh In 1.1:11,1", (or r:,jft'll III 1".....11", l1'lIIlu willi nn)' IlInleriul
Illfllllllillillll) In 1:lIl1llcdi'lfl will. Illc Itl:1II e\lhlrllfl:t1 liy IIle N,dC, imlllllil1l!, lltll 11111 Illl,ilc,lltI, 1\'lllo.:~,{,lIll1till"~
c"lIcc'nln~ 1JIJIII)Wl:I'S n(~lIpnnt:)' of life 1"IlPCll)' AS rll'lIlll;l'l1llt~I"!'Hi:C, If lId, St'CIlIll)' Imlnlll1elllls nil
A 1c.1l1chnld, lJIlrrnwc, 5h;11I (lIl11ply wllh nlllllc flIf)Yi~illn' II( Ihe !eim:. I( 1I0llO\\'t'f nr:quhl'.~ rt'C IiIlc In Ihe
Jlll}lM:lly, lilt! 1r..1~chultl :mtllhc ret' lillc 5h,11111111 11lCII!C unltu 1J'lIdl't "1\lr<'\ In lht:' 1I1e'lllrr III wdlillll,
Ir Ihis SI:l'urll)' Imhltlllelllls 111I n lInll In 1\ cf/1Il11lt1111l11Un llf II I'lill\llCt.I nnil dcvdIJI'I1U!ul, Borruwer
shall pcr(orm nil o( Uorrowcl"s uhUJ;,:Ilioll!! undcI Ihe tJcctal:llinll Ilr I.:nvennnls err.llllll11 QI CtlVcrulllt: Ihe
tUlulllwiniullI or I'lanll!'t1 uull t.le...dnptll!'Ul, the hy.Illws nlltl 1t'1!lllalillu.\ or 11ll' I'nntlondniurII Of plllllnet! \tnll
IJe...clOjltllCIlI al1l.l cumlilucul dllCUlll('ul~, '
6, I'rolecllllll or tWller':,; Jtl~hl., IlIlhe ('Ifll'rrl)', Ir IhlrlnWI"( r"ih It) prl(orllllhr. tll\lennnls
rlntl nCH'clllcnls ulnl;lillr'11 III Ihis Sr'rlllily 11l~II\lUlrnl, lIr Ille!!! I~ II 11'1::,1 jllllt'rrdillll 111,11 1lt.1Y sil!.IlIr....nnlly
nreed 1.I:'1I11r.r'!J Ill:hh ill Ihe' 1',up"II)' (~lli'h n~ n I'IIH'I'(.liul! III Ii,lIlklllf'ky, plIlh;II", rill \,tllldl'llllwlillfl nr
tit I~ IIIJtIlII~l'n II.... H! M'lfl lll~"" ~r" lIl1l1lto,
r...III') "t"
~";III"~" r.... '(
i-au, t:!r.:! lIel 11~)S
'1" (r II II II: III lu rll(lIIull"W~ lit Ir.lIlillltlll~), Ihrlll 1'",1" 11111) 11,1 1111,1 pn)' r,,, whllln" h 11I'1'1'11111)' h, 1IIIllrd
Ihll wnlu~ lIe 1'11' 111111"11) PIl.ll ,...1",'" IltLhl~ IlIlhl' l'II'I'I'II~. 11'1111"1'. t1IIIt,u. 11111) III,-,h'II.. 1'")111' IUl)' a'I.,I.
arrl"'11 It)' II Ii".. v.hldl hll~ 1't1lldl~ ml'l I1,I1 ~n.lldl)' ItlltplI"rtll, p.1)'ltl. IUIU'Illll I' ptr.Uluuu, "1'111';1111111111
1111111, 1111)'1111: IrllMlnilltl~ pIIIlJlI':)'~' 'I'I'~ IlII,II'Illl'dllJt 1111111" I'.HI"'II)' hllll,,~r II'I',lln. ^hh,tujtlt 1,111,11', lUll)'
I,l~t: IIdLll1 UII,h'l Iltl.. 1"1111111111,11 (" 11'1..1"1 11,11'''' 11111 hol\l' III .1'1 all
^u)' nlllllltl.I!lIII~llilla"III,y 11'11.1"1 1111,11" Ihl~ 1,,"nl""I'1t It al.,IIIIII'II'II11' nlt.llllullnllh'lllllf Ihllllt''''l'l
~"~IlH'11 hy 1I1h ~I'n.,II)' 1"..111111"'111, llull" 11'11"1\\'1'1 IUIIII",..I,', "1!l1'I' 111111111'111"11I"'1' IlIlYlll~'III.lht"'Il
UIlII'III1" "IHlIIII':,1I 11I11'1I',~1 ",,11I11... 11.11t: III Ih~hul'I'III1'III,IIIII" 1,111' ~... IIull1 III 1111I n'l'" 11111'1111111",11.)' 111\'"
Ill, II ,...1, 1111111' hll'IH'~II,I\"'IlI'"h~ 1111I1 0,111111" 1',1)'.11.10', "'111111111'1.",1, 111'"11111111'., l'IIIUll'lllh'l hi 1111111I""1"
It'lllIl'IIlIlC I'IIY"U'ul,
7. Imlll'l'lIUllo 11',,11.:, 1/1 II~ 1I1:I'uIIllIlY IIln~l! 11'1I....lIIu"l.. rullll', "1'"11 ./1') Imlll'llIlIlU II( Ihft
1'llIll(lly, I,wlcr 1111I11 1:lvr. Ihll'"WI'1 1iI1111" "'IIII~ Utiit.' II' 1111'11111 l'IIIIlIII~I"'llhlllll"'"lf~llIn '1'11""111111111
..lulIe (ltt Ule Iml'C"rlllllt,
8, CUHtfl'III1IUIlUlI. 'I hI' l'IIII'I"'lh uI nu)' /'I~'u"lu, dllllll lilt IllllllllRU, IBlrdl1J l'llII,.r'lltrnIlBI~
III C'QnllrcllulI wllh Ill)' ctJ/III"UllInllllll III 1111.,1 liI~lt'lf ,)' llIllY flnllu( III' l'll/llt!lly, lit (." I.:IIII\I!!)IIICI! III IIcl'
IJ( CQIlJcntlllllllJll, IIfl: 1ll!ll'h)' lIulKllr,llllIIl ~hllll h.. pnlll hI l.tlHh... n/lll IIl'pllr.III' Ih~ IllllllUllt ..tI.:II'''II h)' Ihlll
Sr",.lIy InlhullI.tlll. IlIhjl'l.:I III Ihl' h~tlll~ III' BIIY .1'11111I Illnll,;n,!r, lhord II( IImllll IIlh" Irrllllty 11I~ltltlIlCtll,
Auy cal.:t:u wlU he IlIllllltl IIw IM'HIIII~ 1",:;,11)' 1'111111..,1 hi II.
I( 1I11~ 1""l'ell)' h IIhll...II.u...1 b)' 1111I111I\"'1, II' If, nlt,~, IUIII,,' II)' l.rtl.lc, In I 1111 1 1I1,I,'l'r IIII'I Ih~
t.'Iltllh:lIl1l1lt ,,"r/5ln IlInkr /'Ill /'I\\lllId III ~I't1t" II dnlllll", Ilnllllll'r5.1I"IIIIWI" (nlla hI 'l'~pll/llJ 1t11l:llth'r \I..llltlll
3U IJny. nn~r Ihe IIIII~ Ihr III,IIL'I' I!I ~lv...", I 1'11,11" 1!lIUIU"ld,r,1 1'1 ullh'd IIlIJl IIp!,l) lite pllll'tt'Ih , Alii' IlI'IIIIll.
dlller III Ic~llltllnlHI QI ICI'"11 Ij( Illl' 1'10111'11)' III IIIIhr Mllll!\ ~'TUII'II hy Ilt~1I Sl'l'lIIlly 1IIIIIIUIIII:III, wht'lhrr or
Ill,llhen IlIle,
UlilcllIl.J:ltdCt '1Il11 IhlllllWCllllht/wIAl' 1l1:lrr.ln Wllill% nllY n"I'"a:nlhtfl U(ll'lIcrralll h) 1"ludllltl IIholl
lIul ulctld I)r IMJ.ll'one Ihe dlle Ilnl!! II( Ihe 1I111lllhly I'nYIIlt'1l11 fcfrllrJ In 11I11I1I1IIIrnph I or chlt".e 1111: ItllloUul
orluc:h I"Ylllcnl.,
9, lIurrQ\u'r NIII Jtt'lrll\11I11 FUfhrlltllllU Uy I.ttlllcr NIII n \Ylllnr. l:alt'lllhUlI ur Ihe lime
rlJr '11\)'IIlCIII ot IIlIIIHlkDllolI~ of OllllltlhlltlUII lIe Ih~ 1lIIIIS IrClIll'l' hy Ihlll '5rclIJlly 11l'!llllll!!1I1 1f.llnlr,J It)'
LC:Ilt1cr lu I!IIIIU.....Cf ur II) _n)' SU~C~uu, lultlll'll'ftl ul 1I"'11l\\'Cr .hllll nOllll'l!'"It' II) Ielrnlt' 11\1: IInhlllly or Ihe
Qrll:lltnl 1I1J1111.....er IIf UIlfIUWt.'I'S M'~rnWI~ In 1IIl1'lnl, ,,,".I'!r ~hllll 11111 be JrrI'IItl'11 III (OllIItU!n~'r:
I"II(C((IIIIII nrllln~l "")' ~\l(cr'\"t1r In Irlkll'~1 Ilr tI'fu~~ III r.II'1I.) lIuu~ (I" I'n)'llIl'lIl ur 1111tl'IWilll: tIllll.lI()'
nllllHII,.lIllilllo(lhe 11/11I5 U'CUlt,1 II)' Ihl~ ~'~rll/II)' Ill~hllmclIl hy 11'/'1\111I1'(1111)' Ilr.lIInl1ll tnntfc hy Iht! IJIIlllllnl
U""0Wct or UlHIlJ\\'cr'. r.ttcnS51)1511l 'nh:II'~I, An)' (lHhl'lHlIllt'l' hy l.rllder III t'kt'lehtus nil)' Illlhl 01' rt'lllclly
~hn1l11ll1 ht: n .....lIlvcr <,f I1r 11'l'dlltl~ rhl~ 1'\I'It.I~e II' /lu)' 111;llllIr 1t.'Ult'd)',
10. Sll((t'.~,~nr~ lilli' ,\~.\II:II~ 111111I1.1; .Iullll utili St'Htllll.lllllllll)'f Lu-SII!Htr,\, 'Ihe rllvellllnh
nml /'I1:'(("lIIrlllll u( 111111 Sl'ClItll)' 11I~IIllnll'tll ~lIilll IIlnd 1In" In,..l'/illh~ ~wrC~~I)t5 nlld nU'i:n,~ II( I.rudcr nllll
Illllnnw. ~lIhj\'l.:llu Ihl~ I'HlVr~IIIW.II( l"II"I~I,11'11 17 (II), Ih"'If\~t'I'!> ~nVI'II"tlh 1I1lt! n,:Il'cIUnll\ Khall he j"iul
IIIlJ ~cY('ri'll. Any 1I01I1)Wer will) c'Hi1J1I5 lIds SCl.:llli1y luMlullll'lI1 bill tllll'~ IIltl c.l.rr.:lIh.: IlIe Nlllr: (II) 150"
aiGllinG Ihh Securlly 11l!lllllllll'lIll1llly lilllllJllr",!t', 1~1I1111 nud (OIlVI~)' 111,11 1I11rwwe,'s IllltH'51 Inlhe I'wpetl)O
IIllller Ihe Iellll~ tI( IIIi5 Srctllily In~II'llil('lIr; tit) j~ 11l111'(,'~III1,llty ol,liJ!illl'IIII' pay Ihe ~UIlI~ ~c(lIleJ h)' 11th
Securily 11l~1/l1II1a:1l1 nu.! (~,) OJ:Il'l'1i 111;11 I.l:llikl A'l" IW)' ,,1111:1 Ilr'HIIWl'r ilia)' 1I1:tt~l: 10 1'.1t'11I1, IllOtli()'. (UlhrOr
IIr IlInkc Ally m~elllllllllliJlIli')Il!l wi lit It'I:,1/11 hI Itlc 1I."'Il~ lIe "Ii~ :-i':':llrll~' Imhullll'lll IIr Ihc tl,)i~ .....11111111111101
UIHIOWer', (nllsenl nnd WilhlJIIl Iht:l(hy hlll'lIhilll: Ihnllhll/I1\\rr'~ 'lhlJ,:llIillll!llll1t1 linhilil)' hCICIlUth~f,
II, I.fI:1ll Olllt~(',,\, If III.. hili SI'l,;lIu',1 h)' 1111, SCI:lulry 11I,'h1ll1l1:1I1 Is IlIhjerl III n In\\' IIr
,cl/.lllnllllll v,hkh /11'11 llln..llll'lIl1 Innll ~II"lr,c~, n,..l 111111 In...... lit "ll'lInl1011 I, Iilllllly Inlt'lpltl~,1 lit) Ihal the
11l1~lcsl Ilf Illher Inlln cllllIA:!CS clIlltdrd III III he culkckd III wmlrdlllll will! IIII' lUll II uccctJ Ihc '"~'tllI'lIt'd
1111I11,\, tln:lI: (II) oily such IlIlcrcsl IInd/lIr ulht'r hlll,l ChlH!;U shall he rcltu(Cl,1 hy Ihe nlllOllnl tleccs~nty 10
,e"'lIce Ihe itl!t!lesl nnd/llr Cllher IlIlIn (h,'I~"~ In Ihe pl'ttllilll'd Iilllil; awl I") IlJl)' MIIII~ 111ft"",)' clllkdt'., (,11111
Ihlrrn\\lCl whldl c~cet:tlrtll't'llllllh'd 1I11i11~ will he rt'rllllllrd II' 110111)\\11'1, 1.elltll'r lIlny dlllllr,e hi lllll~t': Ihl,
rdunll hy IcdlldllU Ihe 11dlldl'lllllv"rtlltlldrr IJII~ Nolr. 'It hy 1l1;l~illl: 11 t1irrd I'nY"ll'lllln Ihmnwer, I( IIICft/lld
,a:t1ur:rs 1',iudplll, Ihe lrlhh.:I"1II \\Iilllll~ 1II'.I1t''' ll" '1 l'alllllll''''I'''YUII'III,
12. Nltllcc~, AllY nuli...e h) IlIHfOwer I'lnvldcll fllf IlIlhh SI'(UdIY Ins1r1lHl1:1I1 5hllll h.:' r.iVI:II hy
dcll\lcdng II or I,y IIlniltlli: It Ity filsl d.115 ulIlilllllll.'u /lpplknllle In\\! Irtl"ilt'~ lI!1e IJr IIl1ulht!r Illdhml. 'lhe
Ilolkr: shnll he alire-de'" 10 IIle It'llllclly Addl..n or I'll)' ulher nlldlt,~s 1It'''lIWI'1 t1l'~lnltllks hy /tllOt'e II) I,...mll'r,
An)' 1I!11ke 10 1~llIler ~hnll h" ~Ivcn It)' lil~l c111'~ IIlntlltl 1.('llllt','~ nl"'H'5,~ Slnl,.lllle,dn IIr III1Y Illher nJt.llcss
Lender de5lgllrtlc~ hy IIlllire 10 IJIl,mwt:r. Any nlltice Jllllvhh:d ror In Ihl~ Sccurlly ln~IIlJIl\l:1l1 ~hnlll'e tlenmed
Itl hove hecn niven IlIlh",nwer m 1,l'lldl~r whtll Glvt:n n~ I'I"vrlll'd ~lIlhi~ P;lI;t~lill'h 11,
, ,'. t?r,?
8001\ " ,.. IA~!
liaf;
rA 1.HIItHl t1.~1'1I "All! MI'"IU"'II!, AII:IIOff,,11
rAlII' J"I~
~u illl~,"^ r,\~
1,1. 1;.,\,('1 1l11lJ: I,Il\W1 SI'~rlld,lIl1r, It 11th :)rfullly ImlluIIII'lIll~ n ~rn1l1l111111ltlly 11I11111',111;1' 1111"
Ilr. 1II1.:lnn11lllttdpnl nlll""lllIII Iltr. Hull' I~ ~~O,lluI III II'''~, h'I'q.,II.1\l,' 1I1I111I1Inlll, Inw wllll:lI\'rlll Ihr.
1II1~'II'^' IlIh~ dlillr.rll 111I1111' NHII'. I fll"'I\\I"', Inkl"II"w, 1''''H,~.'IvIIllI" L,w 1111I' nil)' 1t'~'nIIIlW Illj,1 'I'phn
In Ihl!' 1'11...:e hi II.hkh Ih.. 1'1'11'1'11)' i,\ 1...,II.d \\11I '.Inflll lIil~ :irl'lli1y 1""11"1111'111 (11'111'1111 I"W nud
1'{'IIlIl~lvnllln IlIw wlU 1II\1II!'IVrlllllll' 1..1......,1 lilh' 1IIIIIr...IIIIII~II' tlll~r I.' dlhl'l IIII' Itllllllli\l plllldllnl 11111/111111
ulll... Nuh: uUI'Ih S~tJ,tJl)l.1 II/ Ild~ 1;"1 fUlly III~hl"II..ttl L~ II 111...1 I'llLlllly 11111111:11111'), Jlllltt: 1'\'1'111111,,1 011)'
1'1II\1I~hlll'lI damc u'llIh .'il" udly 111\1111<111'1,1 III II... Utllt, Illllm...~ ....illt IIppllt'nl.,,: III\\', IlIdllllllllill &h,.1I
11I11 nlll'l'l 111111" I'lU~I~I,,"~ 1111111, ~" Ifill)' l"q"IIIII"'11 III 1111' Nult, \\hll h ...11/1 I.., .1~"1l r"t'I..1 wllllulIl lhr
CIlIlllll'IlIl11I',uvl,hlll, 'I II lid" ..n.1 1111'1''''\ 1,'uII' IJllld~ ~1'l'I1,J1)' Imlll'lIIl'lIl nwllhe Uul~ nle: Ikdlllrlll" h.'
Icvclnhle,
.4, IIU'f,IIl'r!"rr\ 1'011)', 11011"11"'1 ",.~I1'I",,'II"I:r~ 1l,t'l'lpllIr !,hllhJl'III'Y lit n [UllrllltHrlll:lIl'Y II'
Ih(' Nulr. '"lllu( 1111. Sr.:lI,lty '11\11111111'111
15, Sui!! IIr NIIlrl CIIUIII:I' II( l.ulIlt ~l'I\'lrrr, 'lilt' Nolr. III n Ill1tllnlllll('It:!1 1111111: Nllle lhlwrlh('r
willi IId~ Srr:u,ity In~II1I111I'III) JIli'Y Ill' ~Idd 'III'! III UUlle 111111'11 wlllllllllllllllf Illllk~ IlllluJluwrr, ^ ~nlr. U10y
IC"IIIIII n l'hllut;r.ln 111I' r!llily 1~IIlIWII n~ till' -11II1Il ~j,'r'lkt'I-) IIlnl ('llIcd'l Illltlllhly flIlYIIICIII& Jilt UHlJU Ihl!
MIlle 11lI1Ihls Sl::cudly Iml/llUll'lI1. .111....' 1l1~,1 1I'"y IJ.~ ulle 11/ IlIUII~ dlllll':l'.~ .lrUIIl IJlnn :tcf\lln~, IIlIlrllll(',I
III n ,wle IJ( lilt: Nule Ir i1t"11' h 11 ,llilllt:" 1'( 1111' 111.111 !'lI'lvkl'l, 11'lIl"IWI willi.., glwn WIlliI'll 11111kr. "' Ihr.
dlnll&:e III IC(t)IlJlIl1CI: wllh 11I1IIII:,u"h I J ,llllln' nrlll j'ppllnlble IIl~V, 'I he 111,111'1' will .Inlr. Ihr lUll lie nllLllIl'IlIru
II( Ihe Hew IJlnll :)('1...1(1,'1 nu.) II.., 11I1"tl'\' II, \~.h., It I'"Ylllruh ~llllld,1 It,: IIIlldl', '111(' Illllkr. will nlm l'llll!;lhl
nuy ulhc, IU(IJlllInlluu Il'lpllll:<I hy nl'{lli, "hI" 1,lIV
Hi. lIulunhlll'l Sllh~lnlHr~, 11''''IIWI'1 ~hnll nol t.'IIIU!! lit I'l'llllH 1111: 1"Cltllr.e, IlIe, IJI~I"IIbI,
Ilnfnee, II' Ir:I('OlU! Qr nllY 1IIlln,"IIIIO; Sll"~l;lll..r~ Uti III III II... 1'llIpl'lly. lJulInwrr IlInllllul "'1, IlIlt nllqll,'
nllyulle dt.t lu Ju, nllylhlllg nHI'I:llul! Ihl" 1'1lI1ll'IIY 1111I1 Is Iii \lhllilnllll ur nil)' 1:1I...ln)lIlIl('lIlnl t.A\V, 111l'.
I'II:cc..!lltg Iwo ~enltllcu Ahllllll'll npply hi Ih,. Il/I'~rlll'r, llH:, II' ~hlllll!e lInlhe rflll'Cl1y Or &lllnll'llttnlillu
IIr IlilIllI,lml. :)lIh..llIlI~n III ill Ill" l'lUt'I"lIy "'~'''I:Ili1l',111I III' "1'I""I'IIIII~' III Wlllllnl 'l!~IIICllllulll"r~ "lullll
lllnlnkll,'IlCC Il( the l'IIII'Clly,
IInrruwcr ~hnllllll)Ullltly gi'll' Ll"l1da:r wtilll"1l n!llke U( AllY InYrSlll:nllull. dollllt aJrntRllli. IRW&'III or
utller atH,," lJy /IllY gllYCfnllll'l1l:,1 Ot ItJtnlilhJlY necuey III I'dVllle 1I00Iy 111...01...1118 Ihe f'Wlle,ty Int' Ill)'
IInZAlllulU ~Ilh~lnn(e ur EllvIIIII1U1rnl"II.,w Il( ....,hkh 1It'''lIw'''t hilS nctunl ~lUlwlrtJr.c, If Ihu'l)wl:t Ir1lfn5t
II' h 11I'lillc.1 lIy nllY ~qVI"UUII:llti,1 III lI'I.:lll.ilmy nllllllllllY, 111111 1111)' It:mllvul Ilr Illher ,ctltctJlilllon "r nny
IIMA,d.,,,s Sulutllnet "If(dinl: Ih.. 1'.nl'l"ll)' l~ ''''fr~~I1I)', nllllllWf"1 ~h,'lIl'lttllll'lly lllkr. _II nccrlllrtlY 'tlllc.Unl
oclllJlls III m;ClllJllllC~ with I:II...ltnllllll:nl.ll 1.1W,
^I used in 1111. I'ntll"'llph 16, "11;llllIlItHU Suhllnllcell" nu: IIIIISC ..,I,.III/lC:1:I tlcnneJ II hu,j,: or
hnl.nulllus suhslnucd hy Etl\lIr'HlIllCUI.II 1111\' nil" the (ulhJ\...lllll 'lI"lllnrll':~.~: l:nl"II/1e, hto~clle, "lIll"r
1Ii111l1lli,hll: I,It IIuk jlr.lllllclllll Iltlldll"I~, l,,);k 1't',\liddes nllll hl't1lkhlrs, vnlllllle BlIl\lCIlIJ, I1Inlctlnls clJlllnlllln~
n~"c~llI!I III (lIfluntl/rhYlle, ",,,I,,,diu:1l'tin' IlI.1lcd;II'I. A~ H~l'IIIII Ihl~ !,nllll:!llljlh I(t, .r:Il\'IHllIlUt:UI.11111w"
ml'.1US (CII~IIlIIIlWS nlld IIIW,~ u( Ihe Jllli~djdiHlI whl.'ll.~ lilt: I'IIIPI'''Y h Im'lIlrd 111..1 ,dlll~ I.., 11I~"'lh, SfI(tlY u,
l!'ll...I"lIll1lrlllal prlllt~c:IlUll,
17. 1.lmtlcr'!IItIJ:hh I( 1I11ttlll\l'r Fail'i In 1(('('JlI'tllllll~r~ IIml AJ:rrl:lllrlll,~, l(nllY o(lhe t\'enls
fH ellndiliull~ descrihed III t.1I/'J1l1t;1~'"pll~ (M, (II), (t'), (Il). (F) lit en Il( lId, I'tltnglnph 17 shnlluw,r, 1I1f"1I
(i) ir Ihe lIIit.:illnIIHlul'i1'1I1 "IIII)UIII lIe tlir. N.,ll~ OI;l't:.I~ t,~O,l.X)O, Lelldl'l limy ICljIllle lhal IhHfIlwt'r PIlY
11l1lllcdialdy 1111: clItlre nllll)lIlll l(,lIIi1ll1ill~ l/l1l';IIIlutldl'l lIlt NIII,' 111ld Ihh St'l'UlllY '''~h\lUlCuli lIt (Ii) i( Ih~
lJIil:111111 pdlldl'al Ollllltllll 01 lhe Nnle h \~O,IXX) lit k~~, Lr.ndn, nlh:t ~ivi!\1: 11r1l1ll....'Ct IllIIdy Ilolln: I1r
IJmtUwet's Ilj:hl h, cllre n'lI'lIlIl'llll''l"il'''' I,y III'plifllhtl~ tlW 1I1..11J1I11"W"I'.~ t.lilu.!! III CII'''' wllllj.. Ihe: lilllC:
IlCtI"ll sel (01111 III sllch uolke, mOlY ICl11lilt~ Illnt UlJIruwcr I'ily illllll...di:llcly Ihe tlllill' OIHllllnl IWlilinllllJ
1I111'IIItJ under lhe Null: 1111111111'1 !'l('cllIil)' IfI'II""III~IlI. 'Ihl~ rrll"llt.'llIl.'ll' will hI': l'lIlkd "'IlIIl1f"dlole f1n}llllf"nllu
rull."
Ir Lender tl'~'I"I,('S JlIlllletllnle Pa}'lIlefll III rull, l.tndr.t IMY hrlne A In\Vsuh 10 loke nW:lY nil ll(
1J0rruwcr's rClllnlnlng rll,:II15 In Ihe I'ruP~II)' nlld I" hn...e Ihr. I'rllpclly suld, AI Ihls ..,Ie l~M1lcr or nnolhcr
penr", Illny IlCIIUIrC lite 11wI'clly, Thi~ i~ kntlllJll ns -(llIrdnSllrc nllll sr.le," I( Ihe ploet~ds IIr IIl1s ~Ale nlt~
InslInklcnlln ttpfl}l LCIIllet Ihe 1I111llllllls Illle III Lender (Will JI'"lllWe:t 1I11J~r Ihe Nole nlllJ untie, Ihls Sf"-Clldly
'"Sll\lIIlI:ul, LetllJl.:t 1lI,'Y, I" lite t"~lcul not lilllill'.1 lit pllllljlllkd hy IllIv, ,,(,Illln 0 cnu.t JUdIlUll:lIl nllnlnsl
IInuuwet I'clt.lInnlly (ur IIII': clirrl".t'lIce h~twtetl nil nm"lIl1l~ due (/I'tn IInllnwcr untler the Nule /lnd litis
Sf"CUdly ImlrullIenl fllIIJ Ilu: snle plUccr.d~. III Any IIlWstltl (Ut (lIfl'd,mllC': ntlll snl.., l.rnl:et will "r\'it: Ille li~11
10 collc:d nil t'lIsls nllll C1pCII/ieS or Ihe 11l1l'dllWIC 111111 ~111r: n!low!:rI hy In\\.', Thh IncllJJe!l nllllllll:Y'1 reI'S
om' Cllsls or IllIe r.~ldellcr. l'r.fllllUell II)' Huh~5 n( COIlII, nntl nlhHnr.y',~ ("'~!'i rOt hnnk/'ul'lc)' p.ncr:etJlll~s
(inchlt.JillG d(mlslt) modify 1I, "ncnle nllY mlhllllnllc ~l;,y lH lujulIdjult), ^II SUdl 5UIIIS U Itlny clime L1ue will
bt: secllfcd hy Ille lieu ,,( lids [iCClltlly 11I~tntlllr.111.
I.r.mlet Illay tCIl'lfle IlIlIuf"llirlle ";'YUlI~1l111l rllll untll't 111l~ PIIl"I~llIph 1'J, 1(:
(^l
II Is IIIIC; fit
UilffUWf't (ail:'l 1Ill1llll.e 1I1l)' l'il)'III(,,1I1 1l'll'lllel' hy Ihr: Nnk lit 1It1~ Srcurlly In~llIllIu'nl Whr.ll
rA l~tmll1 n:~I!'I ~/ll1! AtIln I!lAlll!. /Ill.' l.t\("~lf
eooit2f,? PAtE 857
!'/llJl! ( ../ ~
W;nIl\:1/1rlt,~
(II) IIH"l,1 III Iltm,r. dlnllllP.Lllln'~ III \\I,kh 11'11"1111111\'0' 1111",,\\11'" pl"vi"r~, nllm nllY 1'",1,,( III,.
1'llIllf'l'ly, HI 1111)' 11,!hl III II... 1'1"1'1'/1)', 1\ ..ql,1 III 1I1111~lrllrll \\lllulIll ,,.,,01,,'1111111' \'\'"11"1'11 11111....'" (UI. If
11111111"1'11'1 1I1l11l1l,IllIllll 104'1""", II n IWlldl,I,,1 1111",.'\1111 Ilml'lwI" I~ ~"III "'llllIl~h'llI"t'i "'
(I') f)1I "l'plll"lllhlllllll "11111'1,1"11 UIIIIIHt' IIlUIII!t..-.. lllll'l'lIl1lu Ihpllu.1 "1110 h'ullllU IlIlhl'
MIlI.e III \\11/1._11 Ih..I',ol'l'll)' h 111....11'11 'I'll",. h. hUlrINlhdrlIIlA,IIII111,ltc 11I1I1II11IJl~ 1I1l,IIIIII"lIU'lIIrllh 1JI11I1.e
1',ul'l'll~i III'
U.) 1J,"wwrl 1,,111 1,,"I.1"!! IHI)' 1''')'1111"111 f"ltlh,IJ h)' III)' Ullhll 11I1"1,..", .1,,,,111' 111111 IIII,IIII.f
.ti.'I"II)' 1lUII\'fIlrlll 1'111'1111I1>1'1111<< "' IIHri.lllIK 1111: 1'llJllI:,ly, II' lJilIllIwr, (,III. hI hl'll nllY 1,11t", PI'.lIIhr or
f1ltlrrmrlll III OilY .\I'1I11tt 1tl1tllll;II!I', 11"1'1111' 1,,1...1'lt utllr, ~l't.lllily Imllltlltl'lll rUt.'HlIIlwtltlllllJ /lIh'l:IllIlllltl.'
1'llIllt'lly;..,
(II) llllIlIlWr.1 filI!I h. hrp 1111)' IJlhr., 1'11/1ll1..., lIf 1&:II'rtllrlll '"lhl... S.'...lIlt)' 1115111"111'111 wllltlnlh"
IImr.,,'" 1',"111.;" I( Ill) lIuit' h M~I '111111 lit Ihl. Sl"l'llllly ImllUItII'ul,lht.'1I wHltl1t IIIl.' nllm ""'11,"111 1111/11: IIIJlke
.~tll hi UUffllwl'r hy I J'ml..,; H,
\1') ^"Y lI'I""~I'IlIIlII"1I IIllllle I., In'rllmnll,)/t ~h'rll h, I J'IIIII" hy 1I111lllWrl III 1.'11Il1Il'dlllll wlllt
UlllltlWt.'I'fI nl'l,lkllUIIlI ru, llI.e hili II evhl.:mrll hy lite Nule II fnl~,r III 1It1~lrlldilllllllllll)' 1111111.'11.,1 II'~prd,
.'
III, ^5.~llZlIftlI'1I1 lit Urlll.~1 ^l'lllIhllttlrlll IIr Ilrnh'rn 1.('11111'1' III l'It~~I'!I.~llItI. ^~ nllililhltllll
Ir(ulliy Itr'l'ltlliJtt, '''IIIIJWr, IItlthy ...I"nlllll~lIIlrr Ihlt ,rill, IIr Ihe "IOptll)' In lite r.ltllllhnl ttllll IIrl!
lIulltrlu&: l'lIl1r&:ll:lllI)' Ih.e 1I..IIlrt or au lIul'"l1lrnlll' ,rill... \~'hlt.h lun 111111I11)' u~rr 11th S"~IIIII)' 111\11111I1./11.
1"nyl.lt:I'lhnl 1"lot III nn:rlr"llIltll hl","r." 1111111111111111I1"11111' Ihr "11'1""'1. IJIIIIIIWet .IInll "II"" IlllIf 111:111 hI
cllllrd IIlicJ Iclnlll 1111.'11 It'ul!' Mo Iltry ht'CIIllle ,llle nllll,'nynhlr.. ltl'lIl1 nndl'IOIII'ln IIl'Imf lit llhlHhllUlIlItnl ur
II..: "llIllClly, I.emler, IlIltt'HIW, hy IIl~l'lll '" II)' }IlIUdlllly nl~'1I11l11'IIIt.'lTl"'(;I, ~Ilnll he CIlIIlll'lll" nllrr "1'"11,
IlIke I"llll.eulllll IIr nllllullllIll,C.e IIII' 1'1111'1'11)' nll,J h. I:Il11cl.'I Ille ,ClI" ur lite 1'llIpelly IlldutlillH 1111111: "..tllll.e,
^1I'':IIIf1 t;lIl1nlc:J II)' L'.'II.1n III lite It'..:ri...n ~hllll he 1I1",IlI'IJ lI,d III 1'll)'III':IIII,f lite I:..ah lIe 1IIIIIInl:rmcnlll(
1111: 1'lIIpell)' '1lIllCllllc.c1hm lIe ,rllh, ludUIIlIlJr, Imllllllllmllrtl hI, 1(,l.'rl...r,'I fl'r.., IIIrlllllll1l5 111I Il'cr.lvrr'.
11(.11I118 nlllJ 'enUlttl1hle nllo'lIr)'.' fres, 1I11l1Iltrll10 IIle III/Ill "('CllftJ by Ihls Sl'I.'\/tlly 11I511UIII('III, ^")' tc:crlv1.!r
11Il/1I be Ilnhle 10 nccl)1l1l1 .ml)' (." lhuse ,rills ncllll.lly ,cerlvrtl,
19. Ih:lrn,~r.. lIllll" 1'!t)'lIIrlll lIe nil IIIIIIIA ~(,clllell It)' Ihllt Scnlllty III"hltltltlll, t.J:IIII.er .ltllll
.,I.dl,',&:C Ihla 5(,cIIIII)' 11151"11111'111 WllhllHIl"hilll:e In 1IIIIIu",('r, lJullllwa:r ~hlllll'!t)' nil t1t...t~ II( '(,(Ultlnllu",
lrlllty,
20. No elnlm uf CrrLlII (ur 'I'1I'U15. lJoltowc:r Wlllltf)lllIn~r ,'ctludlon ru)ttl or c1"hn c,cdll on
Ihc 1',Iurl(llll or Illlrlf'lIll1cClllrd lIy ,hh StClIlII)' JIl~lt\"llrlll hy '1'1I~1I11 IIr nil)' IlllV('fllIlltlllnll,ul's. MUfI"'mrllll
n, c11nICC:I, UllrtllWr'1 \...111 11111 dnlllt IIllY ."'''"o.:1hlll hUIIl II,,: III,wltlc 'l'ulu(' II( Ihlt l'I"(lcIlY It)' '1'''\11'' IIr IllIs
Securlly 1/ll\lnlItICIlI,
21. Jtllrrr.~1 ftnle Mh" JIIII':III('II1. 1J0IIO\\'l'J nJ:ll'l'lI Ihlll IiiI' rllll"c:~1 Inlr "nyn"l!! nnrr I
jlltJrll1ClIlls Cllluctl on lhe Nule lJt III nlllldllllll'( 1Il1l/11l1l!:' Ilttl'dt15l11e altlllllJr. lite 1011(' "Inled In Ihe Nolt!,
21. lUIJrr!'l II' lId~ Src;urll)' hl~lt ltlllrlll. If IItl!! III 1II1l1r. ritll!l$ lIIr cXC'clIltll hy IIntltl\\'rr AI1II
,ccllldcI' Illgdhcr wilh III Is Senlllly Il1ll/lIIlU:III, 1111: (rlvcllnllh 1111I1 nl:/I't.'lIll'lll~ 1)( 1'11I:11 sudl Ihlrr RIt.,lI he
lJ1l:u1l1fll;lh,.llulu nml .~h/lll 11IIlrlUl nlld ~lIl'fll,,'IIH'nllhr t'II....:llImh lu,,1 nl!Il'~lII'~lIh IIr Iltl'l !il'l'llIll)' In~III"tlrlll
ns I( Ih!! lid~I(5) Welt! 111':11' It( Ihls S':Clltily ImlWllIcnl.
IChr(k nl'pllcllhle 1J1,.,(r,~)J
0 ^lljll~lnhle Hille Ililler U CUlIl'IlIllilllll1ll !tltlc:, U Hl'nllllly
Uhler
0 undul1h:d r,,)'mclIl RllJe, 0 f'lnllnc:tl Ulllt 0 flIw"k1y
De...eh)111llt.lllltlller l'I'IYlllel1l
Rlcler
0 Olhe'(II) 1(8~tlr)'1 [J Ullle hlll'IU....emrlll lJ ~.ecnIllJ
Ilhlc:r IIIJIIle.mtler
100! l:.!rJ;! fICE h5b
r" IS'mllJrl,~'!U""Tn"'I)Il"''''U!.At('lll'"''11
rAnr. J ..,,,
~trmW'(A I'A,(
IlAI.I.I11IN Nlrn:
'1'111': l'IHhl. l'hV~II':HI' IIHIIIII '1I11~; rUin; I~; MIII~;I'MI\,^I.I.\' 1;III'hH.1I TllhH TIlIo:
IllIEVIOllS l'^"I'dl,'t'n:i. \'Oll f\IW,1' 11I'I'A" '1I1I'.I'f'j IIItE \JNI'AIIII'IOtH.'II'AI. IIAI.MH:E 01'
Ttllt I,O,\H M'''U lINPMlI 1""1'1-,111-.';1' 'IIILN OlJl';. TilE I.H-IIIEIt I~I UNIlHl ~o Olll.lIiA'IIOI'j
'II..) ItIO'INANl:I': TIII~ 1.0,\1'4 AI' '111,\1' '\1,...11>:, "1)11 \\'11.1., '1111:UI',HlIlF" III,; ItFIJtJlltl'lI'll)
f\1^1<l'; I'A\'MFNT ollr OF LJlllldt ^:;~F1S 'I'II^T YOtl MA\' OWN, Oil )'l)lJ \\'11.1, IIA"I'; 'It)
HNH ^ 1.I':NHldll \\1111.:11 MAY III,; 'IIIF, I.IJIIIF,lt \'110 II^\'I': 'IIIIS I,I),\N \\'1111, \V1I.LlNt; '10
I.Ir,NU \'U" TIIH I\IIJNhY. IF \'0\1 11I',HNM'il'E 'liltS I o"N AT I\1.\'lllIlrn', \'Olj M^\' IIA\'E
"0 II^\' MJMI'; Oil ALL 01' '1111", CI,(I~IINlj l'lJ~)IS /'iflItMAI.I.Y M"iMlC'^'II;,U Willi ^ NEW
1.llhH EVEN II' Yllll lllll'hlN IIH.INhNClNl; I'IIUM '1'111'; ~;MtE U.Nm.lI.
H"dHltllt:nIHH'1
l'I'.NNS\'I,VhNlh
Us S__~~~~!.t~:~~~___.
..t~~y _~I_!,_ ~_~_'J~
..---' ...,--.-,
Ihle
n2 III1.t.611Jf: (I"(I.~:. l.'M'1II 1111.1" I'A 1'1011
------n'--'--------(i';ul~~tY'^,III';~') .._,. __4+_
._--_.._~._._'-.-~-'
I. IIlJltIlOlVlm'~ 1'1I0MISI'; TO I'h Y
In rthUII (IIr. lu.nlhnlllwa: lI:cl'lnd, 11'11111I111' Iu I"IY u.s. t_!.,.~}?~O"':_~~~______:2.. (Ihll /11111111111 II
cnllc.J -llrlntlllnl"),I.h"l Illhm:~I, III II,.: nlttl'r IIr IlIc 1.tIUlu, 1 he l.tlulrr h Al\lnm:c trllndilll: l.:'l)llll'nllY, IUIY\llnll orSUf't'lhH
U,H1k IlS(J, 11111111:11111\11 11I1I111u: L.cnlln IIlIlY II11Ur1:l1h11 Null', 'Iltt' l.l'I1IJr.r ur ,nYIJllt' who Ilku Ihll t'!1)lc by hllllrCf ."L.i
whl) h. .cnlilh:,t Ii) ,u:I'IVt I'IY"II:IIII unllt'r Ihl, Hule II nllr.tJ lilt "th)h: "'Ihltr,-
I. INTEIlI-:S'I'
11l1!Hnt "'HI hc chnrc..') un 11111 1I1111nhll't1ndl'nl1l1llU the (ull ",lUIUII\ IIr 1111I1I:llInl hultttn Ilnhl. I wUlI'DY 'n'clrlllIl
a )'enlly .ole or _--2.~.~, I 111<<: It'll will he (ltnl,,.,llIlIllIlhe ItdndllRl hnl itl'oeil "nIlJ III rull,
Thc Inltlt'11 ,ale ''''lulrvJ It)' 11th Stt:llun 'l II lht fnle I wllll'flY holll ltdnrc '"11 .ncr .ny Ilt'r.ull duc,lh.c,.,ln !\tl:lhlll
(,(II) ur Ihl. NlIle.
~. I'h YMENTS
I wllll'ny IlIindl'nlllnd Inluut hy mnk!lI, rn~mtnt' evuy IllIJnlh, l!Jlt:h or my 1lIOIIIhly IlnYllI(nll, uc.crl ro, the nllnl
I'DYIl1t:nl, will be In lite I'Munl or u.s. L.._.~1.!.'~~____-_______-.___' ^numlnl "II u:hetJllled rlYlIIcnll or
I'dndltlll .nt.lllllt'l"U IIC ",,"de 011 Ih.clr dUI! Ilalt'l, Iht 1I11111l'nYlllcul v..lll hI! U.5, S_ 6R, )'j'J, J)
I wUllllnkc my 1II0nlllly l'oYll1ell15 011 till! _,~~~ dll)' or cllch 1111111111 hClllnnlnc 011 ,'UtiF.' 2
11)~1, I will mnkc Ihuc I,nym.clltl c\ll!'y 111011111 Ullllt _~~!_IL_____, 20lQ ,1)11 which doll! I
will IMY In full III o( Ihe fCtllAlnlill.l'r1nclplIl,ICCI\I.c,1 InltrtlllnJ In)' f}11t.cr chnrCtI, t1...c.lbC'11 h.clow, 1111111 nllY O\\lC unllrr
lhll Nute, Unltll 1I1ljlllt:ahle I~w fllt)vltJu 1I111tl'wht'. ...11 1'''YIlIC'nls v.'11l he Ill'I'Utd nnl 113 nt'cnlC'lllIlIllllnpnld Inlc.nl It) lite
dolc "r rnYlIlrtll "IlIlllIc reml'lllltlc:r, Ir nllY. I" Iht' 1It1l'nltlll,llldl'olt'lIlnlll:l!, AllY 11,1..: dUII!:e., cnllrdhln cn~11 nllill:'ltltnlh.'~,
tJl..honnrctJ chuk chnrcu .lId 1'l'Iy,"tllls Illl'lo.Jl! hy lit.: N,llc lIu"l..:r tn tur",ce 1111. Nutl: lIlltllor In Illllltt:1 IlIc Nille 1I11hhu'I
Inluutl un,!rr the S"cll,lIy Inllnnn!:nl (05 Iltfill(tJ In Stcllnn '1) wllllll~ lluUlctlltlllllnltl)',
I will tll:'lke my 1I\0111111y 11lIYlUwlS III
IH Chprtlnut IHt.lp,e 1\01111, HuntvAh, ru 011145
.,-,.----------
. ,lit III . IH[(I!t1:IIII'I:ll:e Ir ,cllult(11 by IlIe NIl'e 1I01l1er,\
.t, 1I01lltOWEIl'S lttGIIT '10 "HEI',,,'
I hllve tIle 1~~hIIU f1Illke \I.1Yll1tllt, IJr prillcil'nllllllllY IllIu: hcflJll! tllcy IUI! t.lUI!, ,^ IHIY"1l.':nl ur flllncll'1l1 only Irknllwn
ns n -l'rrl'nYl11enl..
I IllIlY mnke . rulll'repnYllltnl I)r pnltinlllltp,'YUU'lIh wllll"llt Ilnylng Iny IIItpnYlIlcnl I'cnlllly. 111e NlIle lIohler will-.
IIIIl 1111 o( my IHtl'n)'lllcnts hI HIIlll;e lh..: nlllolllllll( 1"lndl';\llhlll I Hwe llHlter lids Nllle. I( I III like II pntllnll'ltl'nytncul, Ihl:lC
will he no ch:lIlgr.s in Ilia IllIe oJntes Ill' nlllflUll1s IIr my monthly POYU1Cl111 ullh~~B lite Nolc 1lllltl~r /lA'en In w,llln, In 111011:
chnna:.clo, EHtpl IU "ruvhlcd In 11:1;111111 .51 Iho Nole Ilnltler tnrnl OilY Illtlllllt.l Jillllltce chn'I:e <<I lite Iimc lhe Ion II Is Il)lule nml
no pnrt or it will be .erundct.ll( I pny In (ull nht:lll 1)( sch..t.lule.
5. I.OhN Cllhll(;E~
1(.law 01' fe,"l:ttlutl, width "PlllIe, In Ihls lunn 111111 which Ith I\In_llIIlIlI1ll111n ehoren,ll fillnlly Inttflllelet.l.o Ihntlhc
lnlt:rcsl nr nlhcr 11\011 choq~c' clIlIcdcllnr 10 he ClIIICl;h:tlltl Cllllllcdlun willi 11th \I HI II uCCI:tllh..: 1'l:lIl1ll1ctlllmlH, Ihell: (i) nllY
sudl Illlercsl nUlllor ulller lunu ch:ll~cs Slllll! lt~ rl:thlcttl hy the nnlllUllt Ilcct'~sllry III reduce Ihl: 11Itcrc~1 "'lIl1or uther limn
chnr,~s In tht: l'ermitlet.J Iil1lil; nnd (ii)l'ny \HillS nll(lIlly CllI1~c1e(1 rrnlllllle which uceellt'd perllliUtlllimlh will he .erUlllll.!11
101111:. lilt NIIle Ilul.ler IlIn)' ChllLl~e III ilIulo: Ihis l!:fund hy rc.lucll1lt Ihe prlnclflllll uwe under 11th Nule nt Ity mllkln" n dlrc!,;1
I'")'nlenltil me, Ir 0 ,c(llllll u:tluru Ilrlnclllal, lit.: ICiludlnll will In: hc:tlc.1 '" n Illulhlll'rtl'"ymtlll.
6. 1I01lI\OIVEII'S FhlLlJllE TO l'hY hS I\EQIJlI\EI1
(A) I.Jlle Cllul~t':' rllr (JyellJlIe I'II)'llll!nls
If IlIe Nute IllIltler hns nlll 'l!cclY"llllte r..\lllmnltnl n( nllY Il1nnlhly rnYllIwl hy lite cnd o( r.nten (1.5) cnh:rulnr I.Iny.
nCler Ihe ll,'h~ II h dllt':, I wllIl,ny n IlIle ch"'J;t. "Ith~ UnIt': IInltlr.r. lh~ 1I1l1111lllt or Ihe chnree will he flve I'tlctnl ('~) Il(
lilY scllt:t1uh:d pnYlUel1l o( prlncip"t Dntllntcle~l, I will P,IY Ihls 11111:' cllntee Iuolllplly 111I1 only QUte on tllch 1"le I'nymclll, AllY
lull! ch:'lfl:C will he In IlLldili'In III Inll'lut nil lite tll~n ulItsl,lIulllllt I'dlH:ll1nl rll( t:'lrh till)' Ihe !'aymtul is Irllt:.
r,\ ,"U llyr" IIIJ,IUVIH 1'\'(I!lI 'All' All ~lIl1'lr))I!, All:
'Ulrrr,H'''''''
rAllI\lnrl
IflMI"A"...1I
(1I)l)dJIIII
11'1111 lIull"'Y lit.. lull nlllllIJIIIIlI r,!I'1I lllulIlllly 1'11)1111'111 IIlI IIII' 1/,11,. It II lIllI', I \\.111 hI' 111111'/,11111 111,111 In ,ld,1II11
","1 llie 1)11,1111111'1111111"11 '"1111111111' 1111, 11II1tI" I'~"I "11,1"''11I,11." "ull' II"t.I"I III.~' 11'11"1,'0 IIII' 1" 1',1) 11111111,11,/111,111,' lull
1I1l11'lhi ,.,111.11',,1 11,.1"1"1' phn I" Ullnl 1111,111111",..1 '"h'I''''' 1Ill111111Y 111111'1 nlllllUull 11I1I.0llIlVo, 111111.., Ulh j,"1lI IIII"I'~I'I, 111111'
'111.:lllUll'lIl1dp,II "111111111111111I)' "1111111 "II,IWIII Ii''', l1Iull nlllIII IJd,ulll. lilt tl"I,.II'II,11'I \,I"IU lI'U1I,U1. 1\ \,1,,11111'1111I1111.,
IclliuM 11I11111,11111.11111111 II") II"'"~"'II..I' IUII'1II1111'1u~ 1""111111111 II"" ,HI" 1'11"'111"1 II)' 1111'11,111111,111'11... tlUh! I'"III~I 111.1)
,rll'lIl1: IIIl: II, I'nr hlllllf,/flllr.ly II..: '1111111I1'.'.11'111111",,1 h.lllllll r. 1'1111 lllUllfllllnd IJllpllhl Illltlnl ll/lllllll~ 11111rl blllUlHlII 11111'11
IIIAI "1II1rl 11th IlInll, 'lh,llllnle IlIlullt" nlll'nll 1tI11"rl ..'II" Ih. 11.,11' 1111 \\hldllhr 1I1111t-, II lH~ilr,1 hi Ill' III, 1111 h '11I1
IU.,II~II, )1) .IIIya ,Un III" 11,111,' 11I1 "",Idl h II II Ildlull'" III IIII',
(C) Nn Will V" lJy tlllle 1111111',
Un,. Ir, II . lime \lo111'1l I lilt III.Jrl,ult, III. Nule 11,,1.1.., IIIltl 111I11'11',1,,, Ill" hi 114)' Illllllr,Hul,l)' III 11,11 II IJ"~"lh"J
111.1)\'1, II.. Hille 111/1,/" ",,"I 11111 hut: Ill' II):hl hI ,Ill .., III .1It IIIIII:rll..1I ., I IDI" III11C,
(I>) I")'llllllll ul NUIr.II"I"r,', CUl!l 1..111 1;"11/11"1
Ir I t.ltrll'll, wlldhr, II' tu,llhv HiliI' IlultJrl hnl tr111l1ltlJ IIle III Il"Y IllllurJIJlrly Itl (ulI II tltnllhl'11 .IIIlU, 11111 NI,'r:
IIllhhu' will It 0'" r: Iltr: "1:1,11,) he I'nl,l hll~ It)' lit' '"1 IlIlIr III l'uU, IIIlII UlttllUI III ItllrUldnl: Iltll timr: hI Iht Ulf'lllllll
plllhlhllw "y 111'1111....11I1' Inw, '1llIIAe UIIIII~tI III[hlllc, ru, ulIlIlllle. '''''hlnnhlc .11I1I1I'YI1 rrfl tlIllll/lllllhll"J hy Dppllllnhlr:
Inw, I will .111) I"'Y" [111I11I1e 111'111 I,hll Iny ..[hMI ",UI~ (!tnlue, rltr '11I:11 tll,lllllullr,! thrl'k, ",.n III Illh" Illlr'\l'llrllllu~rlJ
lIy lIIe It, llll)'mtllllllt Illh hili,!.
"
7, raVINe; C)Io' NOTICES
Unle.. "I'lllh:ahlll' I/lw 'tlll,I,n . IlUfl'll'ulllltllIIJlJ, 1111)' IIllllee IhDI 11I,"1 lue ,Ivrll II) lIle utI.I" 11111 Nult wil/Il&: ,lUll
lIy .lcllulln, II u, h)' lIInlUlIl: II II)' 11111 don. 1111111111 me nl Iht 1'llIllclly ^IJ.hrn .hu'lr or II " tJlfrrltllllullh,,, 1IIIIye Iltr:
NUI.lhlhJr, 1IIlIIIn /Jlmy 11IIIt:I'"1 "'lh"l.
A"y "ollee Ihal 11I1111 lie ,1"'1'11 hllltr tl'llll: 111/1110 uwler Ihh Hili!! IvlIIllI~ Ilvtn h)' mnlllng II hy lhll dJtn 1110'1110 Ihr
Nule lIultJu IIllhll IIJdlUI Ilnl,.lln :'irt.lhm ,) .Im.... II' II II t1U(rlelllllllthu. II ',11I liven II IIullcr ,,( Ihnl tllrlflflll 'Ilt.llUI,
t, 1I01l1l0\VEIt.~ W^IVIo:ItS
I w.he IllY ,lllltllll' ,e1lulle llit: Null: IllIhl", hI III' crllllllllhlll~l, 'l1l1lte IhII1UI.,e: (M 10 tJem8mlllllYIIlflllllr 'tt101111h
due (knuwn ". '1'IClt:olltlcnl*)i (IJ} h) live /I111h:e 11I,1I111lt1l1l1l11 ,llle IIIIV~ llullH:c/ll'nl,' (knfJwn R' 'flt.tlltc II' tJilllunur'i: (q
In nhlllln -" ornclnl (c,lIneallnll ur nlllll'")'mrlll (llttlwlIU n "I/fllc,I'), ^n)'II"1l flu (I) wlto lartu II) krtl' Iht 1"l'lmllltlltulIle
III Iltla Nllh:, II' (iI) whl' "C"'CII lit mn~1! l'il)'lIlt'lIh II, IIle Noh: IIIIh":, Ir I r'llllll kU.'ll illY '1/1111I11\(' ulUh:r Ihll NlIh:, fI, (III)
~'ltll .ICIII 1111, NlIlc It, IIRulre, It III "IIUlt"IlU~ tht' (~1lI1\"" n. '&:III1HIIII..", I..,clll:l. '/Il1 '1lI1t"'CII'), 11111) w/llvt. Ihflc ,1,,1111,
?, TillS NOTE COVEItEIIIII' ^ SECI/IlI 1'1' IN,nlll^IENT
^ Sccllrlly 'InhullIflll"r evcn ,1,1Ie ClIl1l,lillilllf 111/1'1(111'111111 uf illY 1t"I II'OI.,lly ",nit.:" Ihr N'lle 1I1Ihi" r,um IlIlullll"
IIIIICI whkh 11I1,,1.1 'l'Iulll' Il'u '11I1 "lI:rl' tl... 1'1'IIIII\c~ ",lIkh , lIlnkt: III 11111 HUll!, 'Ihl. Nnlr. Ie Irelllr.l h)' Ihlll S,cllljlY
11111flllllclll. Thnl Sr\:llllly """"I1t"llll/'~lrlllll:1 hllw 1I1l11 IIl1dCI \\Ihol t:lllI,Hllunlllllny he "11,,11," hI Uln", IIlIIlII'llilll.. l'a}1It1'111
I" r,,1I or III 1111111111\1, Ih.tl 111\\11: UIll"~1 11th Nllle.
10. nESI'ON~lIIll,IT\' 01' l'EItSONS IJNm:1t 1'1 liS NOT"
1111I0'. lito" on. 11111011 .1811111111 NUll, r.ch ur UI I. rull)' In'" I'tnnunll)' ol.lllgDlel1 lu 'Hi>, lite rull IImnunl QwctJ rlu,
1111 eI,."I. II LlclcrlbClJ In SUIlOlll ~(^) IIllI It{lJ) InJ III kU11 nil or Ihe IllOmln. n1nLlr In Ihl. Ni,lle, AllY IlInnnlu'IUlltly,
or .nLloflu or Iha NUlt (II lIucrlhttJ In 5r(ll11n 8 Ilto,"e) I, Ihu ulJllllnltllllJ llo IIlur Ihlllll, rhe Nuh: lIuhler m.y tnr",,!!
III ,IChl' unJr.r 11111 Holl "anlntl uch or III Illdi...hJUJtlly ", ",nlllll Illllr UI I",tllter" Tltl. IlIeMII Ih"l 1111)' IIIlr or III Illn)' I~
"'1"hctJ 10 I"')' I'll or IlIe .IlUHlnl, flweJ un,Jer Ihll Nule,
Any 11('11011 ",,111,1 Inkn UVU III)' .il;/Its II' llhlit:alhltl'l 1I1111cllltls Nllle will h,ne ollnl my .1&;1111 IIllI mull he I) nllll( Illy
1',umlullIlIule Illlllla Hole, ^"Y lIenOIl willi lnh,"\'er Ihe ,I.:hl. IIr nhU&:llllulll or 0 !:unrllnln" II"rty, or CI1I.JUfltr or lit II
Hille (QI tJtu:rllteJ III Secllun 8 Dhi,...c) 15 nhllohll~nlC'IIII) he" oil ur Ille plll/lIlseI HllJtle In Ihls Hulc,
II, AI'I'I.IC^III." I.^W
1'hll Nole Ihllll he ,overtlell II)' lite lawlQ( Ihe l'UlUltlllllWtllllh or I'cnnlylvnlllll "od allY "1'1"knhlc rrllell11 IiIW, 'n Ihe
nen' 0(. connlce hdwun 011)' ,l,u\,1111I1I or rllis NIlI&: /lml I1I1Y rrdt",l,,, I'cII1I5)1"'lItlln 111I11I1c:. Iilw or rcglllnllnllln d(~l:1 AS
1)(llte ,,"'.. urlhls Nole, lite Iluhllr, low or ,ti:llt,llnu tllolI "lIlIhllllo lite ulclIlorlUell cOlllllcl nlllllhc clIllni,llug }1'OVIIIlIll
(Olllnlllel' III 11115 Nulc Ihnll he willulul errecl, ^" Ollie, II,uvlslulls u( Ihls NI)I~ will ,clllaln (ully dftcll\fe Dill' ellrurCl'ilhlc,
WITNESS TilE II^Nll(S) ANll SU^I~(S) 01' TilE UN~WI~O, /J @tt?
~ '.d:J6tW..-J ~(Srnl)
Chorion McCown .DoHower
~t;t.~{/, ~ ~~_(Srnl)
'~ici8 A. Hr.Cown ' -DoHowrr
(S",I)
.lJnuuwer
----,---~-._-
_____.I5rnl)
.lInunwer
,
'A ltmOVrlllo,:uwurn:H'1J MTCAD ""11 tflfll! , All:
Nlll'rl'UO..,"JI
rMW'IlI',
NlI~IPA rAil
TilE I.,\W
II , , , I , \ "' _ _~ _._______.. "._ ,
(;uN(;()/{r J,H;UWI:lIV
I f you ilt.tond il foce-to-face /IIootinC) wlth 1,llIJ lender, or
with 11 consurnllr credit counseling ogency idonlltled in thls
not.lce, no further proceedIngs In /IIortc)ac,]<l foroclosuro /II<1Y tl1ko
placo for thirty (30) doys aftor the date of thilt /IIoeting.
'l'he na/lle and tOlephorw numhar 01 tho l'apre'lIJ/ltilllvo
lB I Mark Ahbott
'l'elephone Number: (1-800 451-l093 exl. (,On)
The name (II) and address(es) of Lho d(!Ulgnilted consumer
credi t COU/lsolirlCI aC)oncy (le,;) is (are): <laa attached
It is only necessary to schedule one face-to-face meeting.
You should advIse the lender immedlately of your intentio/ls.
If you have tried and are unable to reuolve this problem at
or after YOllr face-to-face mooLlng, you have Uw rlght to apply
for financial assistance from the Ilollleownort;' f;met'gency Assistance
fund. In ordor t.o do this, you must fill out, sign and tile II
completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your application.
It must be filed or postmarked within thirty (30) days of your
face-to-face meeting.
You must either mail you application to the Pennsylvanla
Housing finance Agency, or you must file it at. the office of one
of the designated consumer credit counseling agencies listed
above.
The Pennsylvania Housing Finance Agency is located at 2101
North front Street, P.O. Box 8029, Harrisburg, PA 17105.
Telephone Number: (717) 780-3800 or 1-800-342-2397 (toll free
number) .
An application for assistance may be obtained from the
lender, from a consumer credit counseling agency, or directly
from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application
promptly. If you do not do so or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed,
against your home immediately.
Available funds for emergency mortgage assistance are very
limited. That will be disbursed by the Agency under the
eligibility criteria established by the Act.
i
I
,
I
I
I
'I'll E 1.,\\\
.!~!..~.' ! _ \.._ 1/ _, ,., ~ "_..,_..____.._
(:m,:ulJln .I \, WlJllfY
If you tll". tUl1d ., faco-to- face moet l.n,! with I',ho lonrlQ,r., or
wlth il conliumor orodit counlloling agoncy idonU fled in this
110t ieu, no I.url:hor procoedlngll in mortgilgo foroelolluro may tak.l'
pll,,~n for I.hlrty (10) daYH aftur t.he dill.,! or Ihol\. muutln,].
'1'1w 11,lfIlO ,In<l t,'lophone nllltlbor of Uil~ rnpruHuntiltivo
l s t Ma r k I\bbot: I. '
'I'oiophono NUfllbet't (1-000 451-1093 ext. 60.,;>)
'I'ho namn (Hi <1Ild addl'osB (os) of the deslC)nlll:eil consumer
crodlt COlllHiOll'''J il'!ency(ies) is(arn): sen dU:ilchnd
It is only necessary to schedule one filce-to-face meeting.
Vou should advi:", the lender immediately of your intentions.
If you have t.riod and ilre unable to resolve this problem at
or after your filce-to-face meeting, you havo tho right to apply
for flnrlnclal assistance from the lIomeowners' I':morgency l\ssistance
Fund. In order to do this, you must fill out, sign and file a
completed lIoflloowners' Emergency Assistance Application with the
Pennsylvania Itousing Finance I\gency. The consumer credit
counseling agency will assist you in fllllng out your application.
It must be filed or postmarked within thirty (30) days of your
face-to-face meeting.
VOl! IIlllsl. r>ilhr>r ll1al! YOl! application t.o Itl" PC'nnsylvanla
1I0using Jo'i niHlC" l\q<'ney, or you must fi Ie it al: L1w office of one
of the clesi,'Jn<lU!<1 consumer credit counsellllC) agencies listed
ilbove.
'I'he Pennsylvania 1I0using finance l\gency ls l.ocated at 2101
North Front. ~il:reet, P.O. [lox 8029, lIarrisburg, Pl\ 17105.
Telephono Numner: ('/17) 780-3800 or 1-800-34;>-;>397 Itoll free
number) .
An appl.ication for assistance may be obtained from the
lencler, from <l consumer credit counseling agency, or directly
from the l'ennsylvanLl 1I0using finance AgC'ncy.
It is extremely important that you file your application
prompt; I y. r f y'lll do not do so or If YOLl cia not fo lJ ow the other
tIme periods S(lt forth in this letter, foreclosure may proceed
against your home immediately.
Available funcls for emergency mortgage assistanco are very
limited. That will he dlsnursed by the Agoney uncler tho
eligibility criteriA estAblished by tho Act.
" .
LAW OFFICES OF GREGORY JAVARDIAN
BYI GRE:GORY JAVARDIAN
IOH 55669
44 SV;COND STllV:V;'l', :illlTI'; 1.0]
SOU'l'HAMPTON, P/\ lB'l66
(I.l~) 942-<J6!JO
A'I"l'OIlN~;Y V'OIl PI,AI N'l' I L-'L-'
I,ASAl,I,V: NM'IONAI, Il/\NK, AS
'l'HUSTEE: f'OR AL-'C MOIl'l'C;A(;E LOAN
ASSET DACKE:D CEllTIFICATES SERIES
1996-] UNDER THE POOLING AND
SE:RVICING AGRE:EMV:NT [lA'l'E;D
OATE:O 9/1/96 SElllES 1996-3
135 SOUTH LASALLE STREET,
SUITE 200
CHICAGO, II. 60603
P lilinllf t
VS.
CHARLES MCGOWN
PJI.TRICIA MCGOWN
82 H~LLSIOE CIRCLE
CAMP HILL, PA 17011
Defendants
THIS IS /\ NON-JURY
MA'I"l'I~R. ASSV;S~IMENT OF
DAMAGES IIMR I NG IS Nm'
HV:QU !H[';D.
COURT OV' COMMON P[,MS
CUMBERLAND COUNTY ,
17' ~~ ~6- ~
COMPLAINT IN MORTGAGE
FORE:CLOSURE
COMPLAINT - CIVIl, ACTION
NOTICE:
You have been sued in Court. If you wish ,to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the court your defense 'or
objections to the claims set forth against you. You are warned
that if you fail to do so the case milY proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the complaint or for any other
claim or relief requesled by the pldntlff. You may lose money
or property or other rights important to you.
YOU :HIOI,II,1J '1'1\1';1': '1'111:; NUT lCf: '1'0 YOUll 1,I\WYEH AT ONCf;, I L-' YOU
00 NOT HAVE: A L/\WYE:R ClH CANNOT I\f'FOf<D ONE, GO TO OR TEl,EPHONE: THE:
OFnCE: SET FORTH m,LOW '1'0 r'IND OUT WHERe, YOU CAN GE:T LE:GAL HELl?
CUMIlI':!U.ANIl BAR ASSOCIATION
LdWY"!' Roof,,!'!'..t .m" Informal,ion Service
TRUE COPY FROM ReCO~U'{, ,CIJI~I\!',:RLANLJ ,COUNTY COURTHOUSE
{fllil,I,oJ,I'" I 1\ I fOLl
In Tnttmony whereol, I here unlo set lilY hand (/111; 'IlH);~()()
and I 01 sal I Carlisle.
da tI I 19
.r
_~. U /_( P~OI
.~ Ie]
of tho Mort<Jil'lG (Ii i1ttilched and made iI P,1rt horaof HIl
j,;xhibit 'Ai.
2. 'l'hl) MllrtYOIJll i/.l sucuflld by LJo(undoJllt (5) Notu duted MilY 0,
1995 in th~1 omollllt of $77,220.00 payable to 1?~i1inU f f In
monthly inBt.i\llmcnts with ,111 interl]st riltc~ of 12.')9L A
copy of t.he Noll? ltc, attached hereto and made a part hereof
1111 ~;xhibit "L1".
J. The land Bubject to the mortgage i~t
02 flil.lside Circle, Camp Hill, PA 170ll.
5. The defondant(B), CharleB McGown and Patricia McGown are
the real owner (5) of the land subject to the mortgage and
,
the Defendants' addresB is t 82 Hillside Circle, Cap
Hill, PA 17011.
6. 'I'he MortyaYG is now ill default due to the failure of the
,
Defendant(s) to make payments as they become due and
,
owing. The following amounts are duet
Principal Balancet
Interest to 8/1/97
Accum. Late charges
Property Inspections
Attorney fee/costs
$74,720.00
$ 5,903.59
$ 2'98.76
$ 100.00
.
$ 3,736.00
'l'O'l'AL:
$04,750.15
$26.,59 p~r <loy, costs of
plus interest from 6/2/97 at
suit and attorney fees.
7. In accordance with the provIsions of the Act of January
30, 1n4, P.L. 11 No.6, Section 403 (41 P.S. 403), a
Notice of Intention to foreclose is not required as t~is
loan is in excess of $50,000.00. A Notice of Homeowners'
.
gmergency Mortgago Assistance is applicable as was sent
June 24, 1997. The Defundant(s) have not cured the
default.
Iltllll.....rr ,1t;.III,rllillUlulJ I" 1\"1111\\"'1" IIldil~,lllllm 11111"'1 nllY lI"IlI"II,~r, ,11'1',1..1 IIII~I III IIlhrl
U""IUy ill~hlllljr'll ....Itlt, fll'lllltl,! 1I,liil\Iu,! ,I pdudly 11\'1'1 1111\ !;I" Illlly 11Iqlllllll'lIl.III,ludlll't hili 11111 hUlilnl
III, 1I"III,\\'rl'ft 111111'11,11I1 hI 111,1"" I".)'IIIIIII~ \\/11'11"111' 1."llll'~I" ,h'IIlI'IIIIIII'lly Ih~I II'"J:" rillY 11"11 ~\ltll It 1111\
l'II,"i1y u'n'llhh :in IllHy 11...11111111'1111111111'1 Ih,.1I11 \1'111111 1l1l11lf"I'I', II.. d of 1111',111' ullll'l q'l mil)' 111',1111111<'111
nl'I""~TlI hy 1"11I"'1 nlllll' 11111" ,,' 'll1I'III,lli"1I I,'lhi- ~"',"111)' 1...1111111"111 1111I1 '\'111t 1/'\1"'11 hi ~\'.II It IlllIll,I~~I't
IIIII'I,lj,'\ '\Illt II... jllll\l\II"" "'1111' 1111111' 111,,11 I~' I'"'1nllllU ~I'III"III") 11111...." 1101111\\"'/ tl,t ill'II'I'... III ~~'lllllI"
..,II..' 1',1)'''1'1111111111' 111.0'.,111011......'11"" I,)' 1I1,'Iklllll ,1111,111111"1 ,I"'l't"II/' III I 1'11.1"1, II,) '''..''''.~~ III 1:111111
1,llIh IIII' 111'11 "y, III ,1,'10.,"1\ 1I1',lill',IIIII,,", ""hi ..'Ihl' Ill.. Ill, '1'1',,11'111'" dllll'\ \\1I1i 111111 I'I"kl \ IIl'ltllllll
"111'1,111' hll'l'~\I'1I1 II.., l'll/I\I'I'III1'1I1 III III" 1"'11 ; III I') ~nlll'" 1I00111Iu' 1111""'1 III IIII' h,,1t nil Illtll'l'ItlI'111
~1I1i~I,I' !lilY hI I.'III!.'I \1111111111111111111\ 1111' 111'11 III 1111\ :inltllly "1~1I111l1l'1l1, 1111'11111'1 Ild"llIlllIr~ IIt,.1 UIlY 1',111
.,1' IIII~ 1III'prllY l!l 6uhjfd I., n Ikll \~hl. II tH,IY 1111,1111 1'11111 II Y 0\11'1 1111\ !il" ulily IIl~lnltllrHI, 1/'11I'1'1 1II,lY 1:1"'l!
11'"111\\'1'1 II 11111 It 11 Ilh'uU'rllllt lilt> IiI'Il 1111110\\'1'1 ~h,11I ',;III"'r II... 111'11 111 1,I~I' I'...' "' 11I111" I.r Ihl' /11111'11'1 ~I'I
l..tlh ,11111\'" wllhltl III 11'IY\ III IIII' ,:I\illl' III lII,ll,I'
,I, IllUlltl1 III' I"UIII'II.' l'I\lIl~IIII~', IIIUllI\\'I'1 ~hilll ~1I'11111l' 111I1'111\'1'1111'111\ 1111\\1 ..~I~lltllt 1/1
hr'I,tllh'r rjl~llr" 11I1 IIII' 1'11I1"'lly Im,lllIIIUI',IIIl..1 Im~ lIy II,.., lllJllld~ 11I.IIlII.,.! n-lIhlll 1I11' 11'1111 "l'\h'll.lr,1
Ill...rlll,:Il" nll.1 nllY 1/1111'1 hllflltll~, 1/11 hllh..!! IhIUlI~ lit 1Il1l,lIiull. fnl ....hll It I "Il"I'r 1l"lllllr~ 1t1~1'1 ,1IU'I!, 'I hi.
hl~'It;"" r ~hlllllllt 1IIIIIIIIn'III'II III 1111' 1III1IIIIIIh UI\lII"I IIn~ 1"'1111'" Ihlll 1"11"1'1 ..'qllltl'~, nlll 10 r..\I.('I'llllIl' ",ll
II'pllln~llIrllll:n.lll( lilt' III1I1,UIII!ft nllllllllj1I1I...t.'lIlrlll5 lllllhl! I'till'rtl)', '11lI! 11l~llllllUr ullllrr I'IIH'I'IIIIII 11Ir.
IU'H1l1lln: ~hllU I..: dlllM'tI Ity 111'"11\\'1'1 ~1I"i",1 In I "lIIh'I'1\ 111'11111\'111 \\hhh ~h,IIl"II,1 hi' UIIII'/I~lIt1i1hly
....ilhl...hl 1111'"II1WI'1 I;III~ III 11I,111I1001n I 11\'1'1,1,'" d"~"III",t1 ,1111'\1', 11'11111" 11111)', nl 11'1111>'1 '5 "1'111111. 11111,1111
lI'Vl'tllll'J ll~ IllIIh'I'II..rlllll,,'1I111Ihh 111111,' 1'1111'1.'11)' III nl I 11111,11I1 " \~Ilh 11II1I11:11'l'h Ii.
All 1ll\IIlnltll' 1"1111'11'\ 111111 trl"'\~'III~ 1I111~.1 III' 1I111'pl..I.lI' III 1"11111'1 nll,l 11I11.' Iwhltll! n ~I,,".I'''II
1III1,IU,IK'! ll,1l1M! III '1I....1t "' 1111I11,. II 10'1111 nn "l'lnllll' Itl 11'11,1"1, II'lhll~1 r.ltull hn...1' Ihr ,11:hl III hllhlthl'
plllh:lt.'!\ 11I1l1ICIICWnl!\, IC IJ'/llkl Inl"ll"~' IItJII,,\\'n ...hilllplI'IIIIIU)' Id"'I' III 1,1'11I11'1 nil Irl'l'illh II( Ilnhl
jllflUIt'Hl.'i 111t11 1l:ltcWIII IInlll('..., III lilt' 1.'\'1'111 IIr h.~ft, 1"" IIl\\'l'l ~1I1l11 I'I\'~ 1'IIIIIIpl 1111110' III Ihl! Iml"llItn~
I'lutln llIullA'IIIlu, 1.1:111"'1 Illil)' llln~I'I'"I1IC 0'- I"!I\ I( IInl fllIId,-' "'"l1l1l'lly I.y 11r.1I1I\\('I,
IJHI~..." 1.J'ltd,', "till IIOllIIWrl IIlhl'I.....I~r 1It:1l:~ lit \""IIII1I!, 11I~ltlnlll:l' l'"lI:rl'll, "hnll he nl'l'lh'd III
,r~IIII;fIhlllllr Irl'lIlr II(UII' 1'111111'11)' 11,1111;11"'.1, 1lIItI'II",lillllllllu'IIII'p.lh b I'nllllll..k~ltly (l'n~lhll' "",II rutin'...
~(";11I11)' I... 1IIlIIr"'.'il'ttrd, If Iltr Ir"hlllllllllllll lI'I',11r I... /lIIII'I'UIl"'lIkllll)' "'11\1111-- lIt 1 rllllrr'" art:lltll)' \~nllhl
he 1I,......r:nI'I'. UUl Itlftll'RIlt'e 1111I1'1'1,.11\ ~hlllll'r 111'1'111'.1 hi lI.e ....11I1\ "'(""Ulrll ,,)' 1111\ ,'\I:l'lldly Iu,hlllllrlll, \\'hl'lltl"
'JlIIIIIIII"1I dllt!, with lIUY r.u'en 1'"IItII" 11"lli'\\I~I, If Ihll I 11\111''- Ullllllllllll'" II.., I'II11"',ly,llr .I"r!! 11111 nllll\\'/"
wllhl.. ~I) IlllY' n nul ,,"I! ""111 I 1'11I11'1 111;11 lit,! 1ll',llIHIIII! [fll I lei Ilol'llIllnl'll hi ~dlll' II dllllU, Iltrn Irlldn IllilY
ClIlIl,'lllhl' In...,unllcr I'rul'l'rllll, 11'1111"1 IIIIIY It';!! IlIr I''''''''fllllln 11'l'lIlt III 1I'\IIIll' Ihr I'luprll)' 1'1 Ii) I',IY .ltllU
...rUllI:11 hy Iii I... ~Cr:lIllly 11I\1I11ll1l'UI, \\111'1111'1 /It 11011111'11 Ihlt' 'llw .HI till)' 1",,11111 will hfj(11I \\/11'11 1111: 1lI11il'l~
h j;1....1' II.
\
tllllt~...... IEUllrt lI1llIIl''''IIV,TI Iltl",,\\'I\I'I1Nlt'(" III \11111111/1./111)' nl'jtlj,nlllllll/(I'lIIcrrl!\ hI 1'IIIldpnl ~hnll
11111 ull'llIl 0' l)rt...lpl)ll~ Ihr. Ihu! dlllr IIr tllr tlllllllllly 1'11)'11I1'111... Idl'lfl'd III III 1'1l11l1!11l1'1t 111I'1 !Ill11"" IltI' Illllllll'll
lilliII' '.......11..'111\ I' IlI..II'll'lIIUIP:Il'h 1/11... l'I"I,,'.ly I, II' Ilulll'II "y I nll!.'I, 1II"IIl\\I'I'~ li,t!,1 h.IlIlY 111~1I11lrlfr
l'"lil in Illld 1'lIl1'L'I'Ih 'I','oI11Iiull 1111111 ,I,IIIl,IJ~" III IIl1' 1'1111"'11)' I'tlP' 10 IIIl' jlr Il"hillllll ~hitlll'il,~,~ 10 I "ruk, ht
Ihl: c'\Il~1I1 II( IIIll Sltlll~ /01'1;1111'1' h)' Ih'~ :;"(11111)' 11I',llIlIIlI'ul IIl1llll'dLl/d)' 1,11111 10 1111' III qlll~fllIIU
~, OU:III'IIIIC)', "Ir\l'r\"llllulII 1\llltlllt'llllIHr Utili I'rlllc'dlrtll Ilrlhc 1"111"'11)'111111'111"1"',"11.11I11I
^ l'lllil 1I1I11II i I ,l'lI~r"llllh i ('1l1111'111111.11l111~ I 1'11111111'111,..11 I h~"I'II'lillll'lll ~, I JIII,'~.\ 11"'1 11\~,..t'... I'1I1 n "1",11. ~lllllll
lilli' l.elHll'I'S I.,nll OllI'III\'ilII'IlIvhlt,t1 "11111111' 1"IlI"'Ily \\'II~ 11/1111'111,111'11111 h,' 1I1T"III...I II' "1111111\'1'1',\ 1,,1111'11'111
'I'~,id"llll', IJIIIIIIWI:I ,,1..111 IIn:III'y, ("~,I;lI,I""" n.." 11'.,' tIll' I'IIlI"'lly 11'1 IhllllIWI'I'~ IlIilUll"lllr~i,JI'''''' vdllll"
(..ell]"Y, IInrllhr. l::"I'I:IIII0llllr Ill!, !ir:r:lllil)' Imllll'Il"1I1 111I11 '."Illlllllllllllll! III IlI.tll11Y Ille 1"PI"'lly IU 1l11/11l\\CI'$
plllldJ1ulll'\ldclI':e rllr I1llrl1~1 I Y('1Ir ufh:r lit.. t1011t' or Ilr:C\lpnury, IIl1k,~, 1I'lllln 1IIIICI\\I~r IIrlr('~ In wdlllll!,
whjdll_"/l',"III,~hnlllll'lln! IIII/I':I',"llalll)' \\'Itl,l...ld, ollJlI"'~~ c.\kllll:.hn'l rlIlIIlW,I;1I11l'\ 1'lj~1 I\hkh nil' I",ynud
"""O\"'I"'~ I'Illlhul, 11"III"Iil'(" ,,111111 ,ml "I",IIIlY, .1.1I11:lltl' III 111I1';11, IIII' l'tI"...,ly, nllllw 1111: I'10jll'll)' ht
dclclillllll(', IIr nlllllllll \\'n~lt! 1111 lhr 1'lIIllrlly, Illllllllllr'l' ...11;111 1m III Ikl'aull I( /IllY rmCrlllllt' nrlittn Ilr
I'tmo:'(',lillg, Wlll:lhcr dvlllll' ufllllll:ll. I~ hq~""lhnllll 1.I'lllh!I'/lI!llIld ';IllIl jud'lllwlIl clIlIl.1 '1'111111 III rill Cdllllr.
lJ( Ih,~ l'IIIIu:lly II' 1I111~1 \\I1.~l' IIlnlt.'llally 11lI1';dr Ilw 11"11 ('I('IIII',II,y Ihh .'i"';II' il y Iw,lllllm'lIlll1 l,l'lIt1I'1 ',~ ,'t'I:11I Ily
luh:II'~1. IhJlll,wrr ~hall nh'lllc III dr/llllll ir 1I1l""wrr, Ihllillll 111I' IIUIIIIIl'l'lknlftJlll'lltlL'~II, 'l"lIl' mnlctlnll)'
fll/',I' IIr illltl'I'illa"~ inllllllll,lillll III ~I,I""""II'I III I 1"1..1"1 (III ';,il, d tll 1""111.11' I "Iuln \""111 1111)1 IU"I"Ii.d
illl"IIll,llillu, ill' lillIII" h,," willi II... 1",'11 I'\idl II' rd I.y till' till"', illl tudilll:, hili 11111 1IIIlih'd hi, "'l'lI'~"'III"litlll"
lllUtI'flllll~ 1I1l1,IIWt:I'!\ I/\,I.UPlllll:y ur Iltr. 1"I1I'\"lly n~ 1II"lllt.:II,..llr~lt'f'IU" Ir 1It111 Sl'I.:mil)' III.~hllllll'llll~ 1111
II frn~dlllltl, IIl1rtllWrr ,\hall cllmply with nlllhl.! pw...hiulI, Itr 11,1' k;I~I', Ir Ilnlllt\\'t'r flrqllill',\ (I'C lilh~ Illllll~
I'II,prlly, Ilwlril\dmhl rlllllllll~ rt'r 11th' ~IIII/I tllllllll'l'll! 111I11'11' 1.1'1I,ln !I'llnll III IIII! mrl~f'l III wlillllJ,!,
If 11+1., :icclIllly 1ur.1t\l1l1l:1l1 h 111I1\ \lnllln n 1I1t1l11lllllllllllll or 11 plalllll'd utlll Ill!vdllptll~lll, lIultuwr.r
shull 11I:t(Ufllt nil or 1I111ll)wl',"S Ilhlic;Illllll' llIulrr 111r~ c1l'dillilllllll IIr UIYI'llflUI!\ r,'l'nllll~ or (!uvcrlllnlt IlIe
CllIIIllI'lllllilltu n, 1'1111I11('11 utlil III!"'I'llIlltUl'III, Ihe hyluw~ lllld Iq!ld..num IIr IlIr l'tllldulIItnllltllllt "llllllIl'd 1II1il
dt,...rl"flIl1l'1I1 rHld Cllll\lillll'lIl III'L'lIl1ll'IlI~,
r;, l'''Ill!clluu IIr 1,I'IIIII'F'~ Hl~hh Illlhl' lltnl'l'tl)', 1111'11111I\'1" rill" In I'l'lrOrllllhl' Cn\lrll(\llh
IIlld nl:tr":II"'IlI~ l'lJlllallll'd III ",.h ~;I'I11lily 111',11111111'111,0' Ihl'lr h n It'I~;I1 plllll'rdilllt Ih;t'IlI"Y ~i,tll.rll'l"Illy
111'1'/1 I "llll.','~ II,:"", ill IllI' l'I"I"'lly 1',11' It a., II /,IIllTl'llilll~ III 11,1l1~IUI'h'y. 1"1,11.111', I", '1lIlIlI'IIl'lIlltllll III
fA 1~llJtlllll~I'IlJlAtt!~III"'I^,II' AII'Ollllltll
rAIlI' , ~'^
~.OUK f :!C~? lie( hr)~)
1I1t;11I"'''''ArA''''
fill Io'lhllr III 1'1 r/l'UIlr h,w~ III 1,.tcul,IlIu..~), 1111'111 rlltlrl 11I,1)' ,I'IIIlI,II"'Y 1111 \\h"lr~,. IllIn'I"~III)' h. 1'.llln I
lilt! ..."llll' I" IIII! 1'llIjll'lI)' ntl.III'.1I11,,'ft tI~hh 1111111' 1'1111'1'1')', l"II,I"I'~"' 11"1I~ 1I1lI)'IIIO h"lr 1,,,)'111111'11)' 111111'
&1'11111'11 h)' 11111'11 "hi, h 11lI~ 1'1111111)' II~I'I 1111. :'1'111111)' 111..11111111"11, 111)'111" 111',"1011I'1' I'll'lUlllllllI, 111'1'1'.1111111111
1"1111, 1"1),1111\11'11,,,11I,11.11' 1I1"1l1"')'~' 1"1" 111111 IIIII,.III/t 1111111,' 1'111''''11)' ""Il,'~I'I"I'.,I'l ^Hhlllll'1t I "11,1"111I.1)'
1..1.> U.llIllllllllkl Itlh 1',I'",:IIII'h It, I "III"" II,It'~ WII ho'\I'11I 1101 ,,"~
^u)' 11l11l.1I11h 11I~llIll~I'IIIt)' 11'1.11", UHI'I" Ihl~ I'lnlll'I.II'h II ~1..,III""1I1111' 1I"I'Hlllllill i11'1,II,IIl""UWI"
~I'I Ulnl hy 1111. n"'lllll)' III',ltllllli'lll 11111, ',', 1111'111\"'1'1 1t...11 "UtI"I JlI'II'I' II' 1,11,ft 1"'11I, "'1'11)'1111"'1, Iltl'"''
11I11'111111, ~"'IIII'I',1l IlIk,,",1 '1"11I 1'1" ,1111' ", 111,,1.....,,'11.....1 .lIllII' 1,111' ....I 1',.111 In II". "1,11' II 1"'llIIliII ,II,)' ',1''''
11,,11111,1, III II... hl,'III''.II,I\\'IIlI'.Ih' "wi >,11,1111.. 1"')'.11,10', with illhl".I, "1""111'11.,,' "111111 "lI,Ii'1 11111,,,,1'''''''1
1I'I"lr.\IIIII: 110')'1111'111,
7, "I.~lll'lllllll, IJ'lllkl III Ih 11~1'1I1 Ulny ulnklllt'lIMllml,,., rtllJh'~ "1'1111 nlllllll"IIt'IIlIIIU llrlhr
1'1"1"'11)', 1"lI,ln ,,11Il1I1'1...,. 111'1111\"'1 /Il,I~II' ulllll' IIIlII' IIr III plhll 1""11 1II"I""uIIII "111'111)"11111 1I',I~lIu"IiI"
',lllI~l~ I", IIII' 111"1"'1 lit,,,,
R, ('llIllh'lIl1ll1l1l1l1, '11." 1"......1'1111 IIr nil)' n\\'nlll III dllllll li'l l'IllIllI,!r~, 11111"" II' l'IIII',rll"l"lIllnll
I" t.Iwlll'.lhm "'lilt _II)' t.:HIlII"IIlIllIUI/1I111 IIlhr, 11.lo.ltl,1 IIC IIIIY 1IIIIIIIf lit" 1'1"'"'11)', II' (11'1'1111\''')11111 I' lit IIrll
IIr I:III..I("lIIl1nllllll, nll~ IIr'l'hy M"If(llr,llllld ~11lI11 h" I'"ltl h. I rtulr'l "1\11 111'1'"1',1111 Ih" nlllll"1l1 IIr"lllrd It)' lI.h
~irl'II11)' III~hll'II""I, IIII'J"I:IIIIIII.. h'lll" III nil)' ""111.., IIIUlIJ!"I~I', Ill'I'lllll 1111"111"11111'1 11'111111)' ItI'hll'IWBI,
^")' l'k1r~\ .....llIlu! p,.ld III IIII' 11I'1~1t1l\ 1'"I:,llly l'IIllIlI'd In II
II II... I'llIllI'lly 11\ nholt.a1l1l1fll II)' 1101111\\'\'1, III if, nlll" tlnlh.' hy 1"11I11" III IIl11fl1wrr Iflnl Ih..
l'IlIUh'lllIlll' 11111"1\ In 1l111~t' IHI nwnl.) III u'III,' II drlllll rill' 11,1U11l.'rftl UOIIl/WI" 'JIll" hllr~1'11I1I111I 11:11111'1 "UIIIII
,111 1111)'1\ ulll'llll" Ilull! Ihl' 1111111;1'111 tll~I'1I11 I'lllh.-1 I" 11111111I1111'11111' Hill'll nud 111'1,ly IIII': 1111111'111/\ I nlll" 111,/111II,
tlllll'l III 1I'~hllnlhllllll 1"l'ull o( 1111' 1'1111"'11)' III 10 IllI' MUll!\ M'I'IlII'lIII)' Iltl, :il'tlldly 11l~ItIlHII'IlI, """1111'1 III
lUll Iltl:n lhle,
U,lIl'u Irudl!t "1IIIIhllt""'I'1 Illhr,wl...r n'lll'l' III .....,IIIt'II, nil)' "1'1'1"'"11111I ur 1'11lr:rrl''''IlI'lhllll'''' ~hllll
lUll rAll:llI1 m fll)~II"Jl\C llie IhlC Ilulc III III" IIltllllllly I'UYIllt:llllldl'lltallu 11I1'n1111l1/l1'1I Illllhllllllct 1111:: nlllllUlIl
U(!\llI'lt,'''ymrlll!l,
'I, IhIlIIlU'1'r Nllllblrll~I'111 J:"II,rllllllllr II~ I,l'lllll'r Nul II WlIhrt" 1'111'..~hlltllllr lite Iltllt'
IHI 1'11)'1111:111 III IlIIJIIIIlI'nl/ltll!l IIf IlIUII.II'llllllu IIr Ihr .,111111 ~rl'llltll II)' IIlh :'1'1'11111)' In~hllllu'lll ,1I1.11lrtl hy
I J'lIdl" hi 11111111"1."' III III ""y t,11l:l.'rHIII III lulrl"~1 HI HlIl'"Wl'l fthnll 1101 ""1'1111" hi ,rlI'I18t' 1111: lIuhllily tlf Ihl!
mlJ!llInl 1l""I)"I~r I,r lIul'"wrl'~ ~lIl.1n~lIl~ III 11111'11'\1 1 r..d,', ~h"U tlol I." 11'11"111''' III IlllllIlIl".....
I't'"'r"IIiIlIl~ "J.'ollll\l nllY "'In'r~~'" III 11I''''I'~1 III l....tl~l~ III nll'Illlllt.1I' III' IIU)'1ll1'1l1 lit IJlhrlwllc tllUlht)'
llllllllll/lllluu IIrlllr. allllll "('l'll'l'd hy 11th :;I'~ll'lIy ImltllllU'ul hy Il'n~lllt IIr rillY IlrlllJlllllltHllle It)' Ih.. IIIINlnnl
11111111\\'('1 m 1I111111\\'l"'~ ~ltr:n!!I!111l" III h.II'II'III, ^u)' IlItllI'mnn,",~ IIy L""I1o'1 III "kl'ld~lnJ: lIu)' 11j.!ltlnl' 1(,lIIl'lly
"h;lll llnl hI: n \1>.11\11'1111", I"rllllll,. lilt! 1'\1'1' hi' oC 1111)' 111'11I111 11'1111'11)'
JIt, ~llnl'~~"'!\ 111111 ^,~~II!II'i 1I11111llli .ltllll'ltllll:-iI'\I'IUII,lullllilJ'1 ('II.!-ill!tll'I~, '111I~ lll\lI'Il,UII~
11...1 /I1:1r1'UII'IlI,~ IIr 1111/\ :iCl'IIIII)' lu,\ltutlll'lll ~h,lll "IIILI IlIld hl'nrliJ 1111.' !Il1nt'!I~n" nllll n~~Ij!It, "r 1 ,"lIIll" nllll
11011""1" ,Illoinllnll.., 1"lI\'blllll~ "r 10,11,11,..11'11 1'/ (II" ""'lIInl'l'~ '11\,,'11,1111'. 111111 uI~Il'I'ItII'lIh /,It,111 h,' jollll
nil.) M~HI,.I, ^tly 1I00'"\\'I't llillll (II ~11!11' Ih,~ :;nllltly 11l',lll'"11'1l111l11 lilli''! llnll'll'! 1I1t~ till' tll,h': Ill) h U1'
"iJ:llilll! 11th !-il'l:ltdly '"~,ltltlllt.'lllllllly In 11111111';11'1', 1~lnlll :tI1I11II1I\I'~ !lUll 1t1ll1l11\1'I'~ illkll'~lllt IIII' "IIlI"'lIy
IIl1dl" II,,~ II'IIlt'; ur 1111. :il'1.1I11Iy 11I~11Il'''I:'II, lit) i, 11111 )11'1'0111I,.11)' nl.lil'tlh't1II'I',IY till' ~UII'I!\ \1'111I".) h)'llli~
:i"'llIi1)' Iw,llIlIlIl:lllllll.1 (a-) nJ~I"I'~ Ih,lll "lid". nll.l nil)' 11111"11111'11I\\'1'1 Ill")' 111:11'" hi r~lrH", llludil)', 11l,1o"M
III lIlakr nil)' Ill',",lIlUlllIIllIllllIH\ willi 11'1:111,11', rIll' 1'-'11I1\ IIr II,h :;".;ulll)' Imlttllll"III'" 11I'l 1I'11r. ....ilh..1I1111.11
1111I"1""'1'5 lll/lV!1l1 nllll wlllllllll Ihl'lrll)' lllll'ill..u,: 11,,11 IIIltlll\\'r,',~ 1I1.lll:,llillU,' nlld lfllhllily 111'1 I' II 1Ii1.., ,
II, 1,11111I C.ItIlIAlt','i, II II... l'I,m ~"'.1I1t'l1 II)' 1111, 51'1:11111)' Imllllllll'lIll, III/'JI'I'I III n Inw IIr
'1'1\'111111'''' ....hhh !'orh IIlruilll'HIl 111111I .h""',r~, 11,"11/1111 "I\.Ii'1II IrU,II..II..11 1\ 'i....Il)' 11111'11'1"11'.1 ...n Ihlllllu!
Illlc'I~',IIl' ..U,,:, 1111111 dlrHJ!r~ r.'llIrlh'd III III I... t.:lllh'I'h',lllIl'II'III"Illull \\1111 1111" hlltl'l'I~l'r.J Ihr l'I'IIIIIIIl'"
1IU111~, 111':11: (II) nllY 111I1'11 IIIICIl!51 n/ld/IlI 111111'1 lUll II dHItU'" 5hllll h" 11'11111:1''' by Ill!! 1l1ll111l1l1 IIrl:I'~~IIl)' In
1l',lu,-,: II..: illle,c,\1 mlllllH Ulltf~' hum dhll/.'I''i In 111I' 1'l'llIIilll'lllilllil; 1111I1 (It) 111I)' ~1II11!\ nlll'OIII)' \'11111'1 It'll hlllll
Ihllluwr, \\hidl C.I.lI'l:llrtll'r.flUIU"lllilllih will "I! ,dulIIll'II It, 1I1l1fllWI'I, I.rllllc'l rnllY cllml51: III tlIilke: 1111,
'1'(111111 II)' 1I',IIl"~III: Ihr Illl"dl'lllll\\'I"IIIlI..It~1 1111' Nllh! II' I.'! m,l~illl! flllill'III'")'lIll'lIlln 1I0,.lIw...., ICtl'l!rUllll
Il'lh"I'~ 1'111Il IfllIl, II..' 1...111' li,," .....lllltl. Ilnllnlll~ n 1'",liilll'tl'I',IYIIWIlI
)l, Nulhl", ^ny lilliit.',. Illlhl/lltWrr Ill.....hll'll rOIl" 1I11~ :;"..util)' I..~hulllrnl.d,all h"I~i\'(,lI hy
1"''''''1'11111: 11111 Ity Itlilililllt II IIY fi'~ol d,IH Illllilllllll'~,'i /lI'Jllirldll... 1;11'.' It'lllli/c~ lI~r ur 11I1l111lt:I ItIclhlJtI, 'Ihe
Illllkr 5111111 he Ilhrl'll'IIlt11ltr J""flrll)' Ad,I"",,, III 1111)' IlIl11'r 11tldll'!\,~ Iln"nwn ,It',~illllnh'~ Ity 1111111'1' III 1 ~'IIlIt't,
Au)' Illllkr III I,rlll"~r "lIull hI' ,!I \II' II Ity lil~l d.1\~ 1ll1l11 III 11'III'I,,',,"d.lII''i'' !\Iall'd h('II'lulI' nlly ulhl~t 11.1lhe!l!
1.r.1lf1.', 111'~1i:llnll."" hy 1I'llin~ 1IIIIIlHB\IIU. ^lty 1I111iu.' 11111 viiII'll rll' lu Ihl~ ~t'l'lllily 11I~hulll(,1I1 ~ltillll'e Ill'....h.11
Inll;lvc 1'1'1'11 J:lvrn h. Ihl"I)\YI~t II' 1"'II,II't wlll'lI r.1\'l'n ll~ l'IIlI'i.ll'llln Ilti~, 1';II"t!I;III11 IJ,
, "'l?r.?
80011 " ... flt[
lir,r;
rA l'IIJ1/UII,U'HIIAlIll-!IlIt.IIMlII,AII:uonl9l,
rAIUI,..I'
"lIl1ll~~A rAI(
J.),' Ijlt~rtlllltfl J,II\~I ~n(,llIhllllr, If l'tI~ ~rnlllly 111"'1111'111'111 h II M"I/Ulll'dllllly UIIIII""Itl' UIIII
the IIIIUlllll1 I'Illldpnl nlllllUI1I.lr III,. Null' I, ~'\O,t)l)tI III Ir~~, 11""'1;11 I,IW Ulld IIllullh 1,'IY wlll 1~'I\'rlU Ih,~
IHIt'II'~1 li.ll! 1111111:"11'11I 1111' ""ull'_ I 1111,,\\1-1', I. "",..d 1,1...., l'I'III1~~'I\"'r1I,1 I"w Hwln..) In' ,.11,1'" Iltlll /11'1,111'\
III IIII' 1"lu,r: h. .....hlll! IIII' 1""1"'11) " 111...1'11 \,ill "'~T'" IIlj~ lil'lllllly 11l~11'IIUrlll (lnk.,,1 1,,\\1 111111
I'I'IIlI~)lvJl..ln IIIW ....,111 nl"lI '!"'Wl'11I IIII' 111.....'..1.;,"' ,1111""',1111111... Noh' It 1'11111'1 II... 1lI1,!hwl ptlll,ll"llllllllllllll
"' IIii' Ih,11' 1:11,'1'1" S'llt,lIltlJIII Illl~ ,'j"llll'ly ItI~llllIHI'IIII~ 1I11,...II'II'lllly 1ll1111J,'II,W) 1lIlIlI'l'\'rllllll,IIIIIIY
1"11\'1..1011 n, II.HI~I' I" Ihh :il" Illlly 111',1..11....111 'II 1111' tllll,' 11I1I1Ii, 1'1 \...11" "1'1'1"1I1I1t: "IW, ~'" It .ltllllil I ~h.111
"111 nO....1 nlh... 1'111\',,11111' III 11th ~i" '!Illy 1""1'111I"111 ." II... till'" \..hh" loll. Ill' Ulv1'1I i'lli'll wltlllull IIII'
ulIIllhlllllll'lI,vhlllll 'IIIII.I~ I'!ltlllll' p"l\hlllll~ "' IldA ~W' Itll'y III~IIII'llI'lIll1lUllIlI' thllc .1111 ,1,'.1'"1'11 III hI!
It:vrllllJhl,
..., lIu"II11I'rll'l I '1111)', 1I111l1l\~I'f n"k""",,,/I''''II'' 11'1'1'1,,1 ..r l,ltl"lIl'III'Y lit n t.'ollllHlllrd 1IlPY IIr
IIw Null' nltd 01 1I11~ .'inlldly h,,"ulIlI'lIl
15, ~1I1l! II( Nulrl (:hnttJ!(' III l,tlltll,'lt" "In'f. 'IIII' Null" III n Itlllllnllllll'It.'~lllIlIlI~ Nil"! 111I~rlhr,
wllh 111111 SI'cHIIly Ill~llllllll'lIl) 11111'1 Ill' ~I,I,111'II'1II1111111~ 111111'11 "",1111111111"11,1 IUllln~ In 111111"\\'1'1, ^ "illt 11111'1
'r~lIl1llt n t.hnunl1' 1111111' rllllly (klll'V.'lIl1~ II... "I unit :il'IVkl'f") Iltnll-IIIII'I" 1I111Ulhly 1"1~lIl1'lIh .1111' 11II11t'I 1I1~
NIIII! nlld 1111. :\("1:11111'1 IH~llltlllf'nl, '1IIrll' 1I1~1' lllitylll' llU~ lit 11111I1' ~hlIIlIW' IIr Ihl! IIln'l ~il'l ~lrrt IIt11rllllr.1
hi n ^ult! IIr 1111' tllIll', If 1111'11' I-, II I 11iI1I1~" 1111111' I I'llll :kfVIlI'f, 1I"f'"\'II'1 williII' 1~1""'1 WI~lh'lI llIllkr. l,f IIII'
dllltl~1! III ntt:lllIllllll'l! Wllh plltlll!IIlIIII I J ..1,,1\'1' 11II,11I1'1'Ihu"h'III\V. 'III,' 1111111'1' will ~lnlt'lIl1' IIIl.tIl! 111111 J1II,IIl'"
I,r 1I'1l f...\\, I JIIIII til'lvhl'f 1\11,1 Ill!' Illld,,'\~ I" \\hh II p'I)'IUl'III~ Ahllllltllll' 11l11lh', 'Iltl' 1I111in' \\IlII nl~11 flllll,IIH
nllY 1llllCt hlhlllltulhllt fI'IWlll:11 by nlll'li' ;lhk I,ll\',
iii, Ihllllldtllt!'l :-iululnmr!'l, 1Itt1IlIWI't "hllH 11111 nlltll!: II' Wllull Ihe plc'rll':~1 use, ,1I~plllnl,
BhllnG~I IIr Idrn~e Ilr nllY 1llI/nllloll, Sll"q"lll'r~ "II II' III Ihr 1I11I1ll'1I)' 111111111\'1'1 ...lIn1l11l11111l, lml Ill/Ill\'
nIlY"tl!! r1!'\e IlJ .111, nlt)'lhlltlt nfflTtlllp. Ill!' 1'1111"'11'1 Ihul I, III \'llIllllhltl IIr lIUY l~uvlrl1lllll(,lIlnl I lilY, 'Ihe
IlIcrl'llh'n 1\"'1' ~I''''rlll'r~ ...hull,,,,1 nl'l'ly ", tlil' p'l'~rll"", II~I', III ~llIlnl!l~ 1111 1111' l'I"I"'lly nr 8l1lrlllllllntllllll'~
II' 11111,ull,"u l;ul'~I"II'I'~ 11t..1 III" 1"''''I"II~ ""'I:ulll',II,.I'I' 111'1"111,,1,'11' 11' IlIlItI"III,'~III"lIlinl tl~I'~ n'lIl h.
ll111lll!I:IlJl..re Urllw l'lulll:lly,
IIUllllwr.r t.llIllII'IIHlII.lly J:iYI.' 1.1'lIdn wtlllt'tt Itolkr. Ilr nlty IIIV('~lI11llllllll,llill/tl, Ih'lllnllill 1"wMIIl or
IIlltrl Ildhlll Ity nllY IlIl\>rlllllll'lIllIl III IrflulllllllY nfll:lII')' lit IltlVllhl 1'IIIIy ltl\llllvllllt Iltl! 1'IIlI,r.II)' nnll nllY
J1illtllllllll,~ ~lIh~lntll'l: III FIIVIIIIl'llIrlll,,1 I nw IIr \'.111111 1111/111\.\11'1 IWl\ nl"III'11 !..IHII\,,,,.lne, Ir 1111111'\.\'1',1""111',
Ill' 1/1 11I111111'11 lIy uuy '~lIn'UlI"'1l11l1 "I '1'1'"1.11'11'1111111111111)', 1111I1 1111)' 'I'IIIIIV,II III 1IIIll't 1I'lIll'di,IIlUIl 111 nil)'
II1lInfll0ll!l ~lIh~llllll'~ IIHnllUlt IIII! 1'llll'I'/Iy I~ lII'cr~~Il')', IhlllllWl'1 1\11 nil 1'1111111'11)' III!..,! nllllo'rt'~~'lf)' IrlllrlHIlI
ndhw'i III ilt;(IlI"JllIl~ "'lilt hlVllulIlIIl'lll"l1 ilW,
^' mrl' III Ihl" l'A'AltlJlI'It II., "11."11'./1/1111 r->..h~lnlll'r~" nil:' Iltllllr. 1\1Ih\IJllIl'l'~ IIt'/illr.J III II/)k lit
hllt'llfllclUll ulII!llnll[d lIy 1:llvhIlHlttelll,11 1 nw mill Ihr. rl,III"~lu,~ 1I1l"~hllU-I'_~: I:n,"III1I', Itrlml'lm, "I!tl't
11.11111111I1111' IJI lillii' p"ltuh'lllllllllltllll h, 11I)!t fll"tjdt/I'~ fllld h"lh"''''''II. "nlll"II~ ~lIlvl'llh, 111,111'11111/\ 1'lIttlnll1ltl~
u',ln",lm m ItIllllllhlt,ltydl~, IIltd 1lltlin,h iiVI' 1Il1,II'ti'll~ ^, lI~l'd III Ihh 1'"llll!llll'h Ih, "!:II\IIIlIllIH'Hlll1 I nil!"
1III'1IIU 1t.'I"~ltlllllw. ntllllllW,~ u( Iht'. jllfi~tlh Ii,," Whl'll' Iltl' l'wftl'lly I~ 11Il'lIh'd 1/'1,1 ,dUll.! II, Ilt';IIIII, ~,,"t'ly lit
t'n\lltllll'"l'tlIUI Pl1lh!rlllIll,
J1, 1.('lId('rl,. 1Ut:.1t1. Ir 1I11rrll\lH Fnll, 11I1<f:('lt 1."tlttl,l'~ IIfll! ^1!I'I'f:ttlrlll" Irnny nllh-! l:\'rnh
IIIl.1Jll"~lhm,~ 111'501111:11111 ~1l"l'llln.'1"l'lu 1M, (111, (t'), (II), 1I~) 01 (I:) III Ihi~ llillilj!fuph 1'1 ~hnU UI'~I", Ihr.lI
Ii) I( 111r. IIII,dwll'lIlndl'"1 nllloU'11 or Illr tI..lr. r.uI'I'd~ ~_''',IItXI, "'11"1'1 11111)' "''1"1", 111,11 lI,jllll\q'l I"'Y
1lllllll'I"lIll'1y Iht: (,lllhll nlllltu/l1 11'11111111111" UIII',I[,I .....1". 1111' tlIl'I' 1'1111 Ihl.~ :-i"I'II11I)' In~I"'IIII'II'j "' (ii) IIlIh'
1II111illUll'd/lllllollllllll!lllll H' UII' Nlth! h \~IIJ,IItJO III I'_'H, 1,I'lIdl", nlll'l t:iVllIlt 1111110\\'1:1 lillll'ly IInliu~ III
IhlflllWl't'1I II,!!",,, Clllr. In I, IIll'lI II'II"il,'d hy nl'l'lil'llhll' 1,lw 1II11/lIu""wI"'~ 1,1;r1l1l~ In rlll'~ wllltlll lilt., litlll:
IlClhlllSl'1 (otllt III .II~'h 1lIllkr, lllllY 11'11"111' IlInl Ill/nowl'r PIlY hllllu'dlllldy Ihl'l'ulhr 1I11lllltnl 1r.ltlt1illtllll
1I1l1'lllt.ll/ItIICt Ihe Nule 1I1l111hl, ~t'I.:I"~ly Ill~hHIlII'lll, 'Ihl, ,r1lul"'IlI':1I1 \\jlllll' 1'lI1kd "IIIIIIII',/lnll' I'U)'lllrnl ill
hl'I."
Ir l...eluJu ,t1lulrtll htlllll1lllnle l~nYlIll:111 III rull, l.rullr.r mllY IIdllg n Illw"dl lu loke nwny nil llr
IIlml,we,', 't:ltlnlnhtK ,IUlll, III lite I'flJl'I~lly 111111 III IIllYC lite l'II1PI'lly sold, ^'1111, ,~,1Ie 1.~l1dt" II' 1I11111llrt
111'''')/1 Illny nClluhe IlIe I'IIlI'('lly, 'J hI, h ~t1tl1"'lI n, "rllfrdll~lIl" "/Ill silk" Ir IIII' plllU'l'.I~ IIr litis /1,1111' Ole
Illmflkh:llf III tqlllY Lemlt:t Ih,. mllllll'll!'I 11111' In Irlllll't 'IOIU rhlllHWI~1 1111.1.', IIII' Nulr. nnd \lHlII'I 11th ~;r':lIdt'j
111',11111I1"111, 11'1lI"" "illY, hi 1111' 1'\1"111 ""l IWIII...I 0' 1"111,11,11,',11,)' I.,w, 01,1,1111 " '''Hd j'I.I'HIH'HI illr,IIII',1
1I11110We, (Irr~IJlIlllly h,t lIu! Ih.rl'lrlll'l! lIl'l\\'rl'U nil nlllnUIII.. IIHlr ""111 IllIItowrt Ulldt't thl' Null' IInd Ihl~
:;,~r:IIIII'j hl':IIIlIllcul/l/llllh(' ~ull: !,"'ll'I,.I" III /IllY 111\\,,,,11 rill (ul,'dl'~III1~ 1l1ll1 ~IIII', l,rmlr'l \\111 ha\'1' 1/11' ,i~hl
I" '-1111,'0.1 nil t.I'~ls nUlII"I"'II',I'~ III II,.. hl/l" '''\1111' lilli' r,ll'" nllll\\'I'.I "Y I,IW 'I hh 111I/lIIII"j nIlIlIlIl'Y'~ 1'1'1"
nllt.ll'll~h "r 1lI1!'! ~vhleuu! 1'r.llllillcll I.y Hille, III ('UIIII, nltll IIlhlllll')"1I h'1~1l lilt hllllkllll'h'y f1l1lo:rllill~'
(1llt'htlJillC ellltll!'l hI IlllJlli(y u, ~lIcnlc nllY nllllllnnlic ~I"y IIf Injlll1diull), ^" sllch ~1t1l15 n!'lll1l1Y tllllll', IllIe w~1l
lIe ,w.;u,ct.l hy Ihe lien"r 1111" Sl't:IIt1ly hl~""HlI'lIl.
l.r.lUI,.r ilia)' Irqultr 11lI1III'Ilink 1';IYUII'lIllnl;ullllltrll'l Ihh IlIlIl\'~'''I,h 1'1, II:
(A)
i1I,~ dllc; IIr
UIlfIuwer rlllt~ III 1l1l1kr. nllY 11IIYIIIl'II1 1l''1"ill'd hy Ihe t",h~ lit 1It1, ~il'l:lIril) 111\11111111'111 WitI'll
fit Utlltrltn'WtJ'ltlll ~"Jllfllltlll!, MI:I.nW'I11
iiou'Ii.1?G2 pm 857
l'ItIJll4toI8
~1l;UIl\X^ r.u
(II) 11"r:rl'lllIlhll~e dlllllll~lll/ll"'. III wllhh InlrlnlllllV 1I1lll'IWlw pIO\'II,.'II, 1111 III OilY llilllllr 1I11'
111III,rl'ly, lit IlIlY 11,:ltlltllll~ l'lul"'lly, I~ ~I)hlll' "ulI~h'llrll \\11111111111'111"'1'1111111, \'111111-1111111"'111 (Ufl II
1111110"'1'1 I. IILlI n 11111111111 pl'IMIIlI II 1IIIl'udid.llIlllrlnllllllulI'IWI'1 I~ ~1I1,11I1 11IIIl\fl'III'dJi III
V') 011 nl'l,!il'llthllluf I "HlII", h\I' III !llll'" 11I~U111l1' I' IUlllpllll'I'~ 11\1'11...'11111 1111 11I1~IIII'II!1 III Ihl'
fil"h: III whldlllu:l 1'llIl.Clty I~ 1111'1111'11 11'111\1' hi h~lIr lu,B,ln h"llllllll'lt,! h\,i1llhl~~ ulld 111I1'1111"'111I'1111. ulIlIII!
l'UIIIt'IIYiUI
1111 11t11l1l",I'1 1,11111 1'1 1U1I~" I1UY I'''YIIl,'ullr'lul!nl it.' nllY ~''1I1011 'llUlI'tnll", 11",,1111' hUAI III 111111"
Arc;u,hy III~hllm':lIl tuclllllhc,lug III /lfll'I.llllllllu~ 1'llIl'rlly,1I1 1J11l1l1\1o't'1 fllill 10 "1.'t'11 nllY lllhr,r IllHlIllu ur
1II:'t'I:11I1'1I1 III 1I11Y ACHlllI 1lIIllIn,ll!I', tit-i'll H' 11l1~1 III 111111" M'1I1111y 111/,111111I1'111 tllr:llIllhl'tllllllll Illh'dlllW lit..
l'lnl'l'lly~ III
(II) Ihllll)Wl'1 Inll.11) Itt'I'lIllt1)' IIlht:II"1I1111M' "' Pll""'llIflll IlIlId~ liL'l'lllllY Imltlllllrtll wllhllllhre
Iltltr ~d COIIII,IIII("" 111111' I. ~r1lllllh llllhl~ ,';l'llldI1 Imllllllll'1I111ln-1I willtllllhl! Ihlll! M'lllJllh lulhu WIlke
M!t11111 Ihlllllwcr hy '.rUlli-I; IIr
(I') AllY 11'l'lr~I'IIIIlIIIlH 11IlUlr. III lululIUlIllult 1!1\'I'lt lu 1"11"1" Ity 11I1I111Wt'1 III I.:"lltll~dhlll wllh
IhIIlIlWI"'~ npplh:nllnll 'Ill Ihr: II)lIIlI.'~hl"urrll hy 1I11! "lJh'l~ 'III/,t.' III 11I1~h'nd'u~ III nllY 111,,11'111,1 ,r',prd,
fRo ^~\I~IIIIIl'1l1 IIC 1t"o"II\l'llIlhlltlH'lIt IIr IIndH'11 l.l'IIIII'f III l'lI,~~I'~,~lltll, ^~ lIlhlilhltlill
~I'I:ulhy 111'11'1/1111"1, 'hltlllWrl Ilrlrhy II~~I'[II\ III 11'11,11'1 III,' Irtll~ IIC Ill/! 1'1"111'11)' hi till' l'AIt'1I1111111 ,rill' nl~
111.1 brill!: uJlh'dnllty Ih\' hohll'l "'1111 lI~~It;lllll"1I1 uC '1'1l1~ whllh hU!J 1,'hllllY IlVl't 11th SrClIllly 1t"ll111llrlll,
I'lIIvhlr.lllhnl ptlOt hi n~'l'I'lrll,llulI hn....r HI IIh;IIUh'IHIII'lllllr Ihl' 1',11111'11)'. IIUIlIl....'!!1 .lInll htH't' lilt' IIJ!hl hi
rllllrd nlld tl'lnill ~lldl 1("1I1~ 11\ 1111')' 1"'l'IIIl11! 11111' IIHLll'nynhh', Pl'lltlOndl'llillllll III'H'lIr nr nllllllllllllllll'lIll,r
111I! "II'lu~'ly. 1"lldl.", III 111'1 Mill, It)' 111'/'111 III "1 Juillllillly 111'111,1111...1 'I'. I'! \'1'1, ~1...1I1U' "Illllll',1 hll'lIh'l lIPU/I,
luke l"I~_I'~~luIIIIC nil,) lHllII'W' III.. 1'llIpl'/l)' 1111,11" t.ulll'd till' tt'Hh tl( Iltc t'IItI't'lly llll'hulillfllhltlc "1l~1111I~,
All ",'uh 1.:'llInll'd hy Lt'lIdl'l ... Ih'l 11'1'1,1""" ~11I11I11t~ /I1'1'1l1'l11l.~I'u 1'11}'IIII'ul ul lit!! l:II~b IIC mnllrlW'llIrlllltr
lite 1'IIII'I'lly nrlll ulllcdllJIIll1 Irlth, Imhulhll!, hltllllllllmltrlllo, II'I:l'l...r,'~ h'I'., 11lt'lllhlllU lilt Il'l dn"tI
hll/lll~ nUl' '!'iuullnhlc IIlhHItt'y_' 11.'1'~, llIullhrlt 1111111' AUlllS S"l;lIu',1 Ity 1111. :iI'l;lIl1ly ItlAllutllrlll. ^"y It'(t'hct
~ltnll he lillblr: II' nn:ul/tlI1wly It" Ihllr,t~ Iflll~ ndually ,rl'l'hl'll.
I." Ildl'lI~r, "1"111 IltlYlllF'II IIf nil /illlll~ At'fllll'.l Ity lid!! :knllll)' 11l",IIlIWI'III, II'm"'t "hllll
11I,.,"illr,I' 1111A :)1:1;11111)' Imltlllll("1I1 Wlllllllll tll""!I~ IIIIIUlIIII"'I'I, Ihlllll....'I'1 ',/11I11 pn)' 1111 t.I'AI~ III Irl'lltllnlhlll,
l(uIIY,
211. Nu C1uhll II' CI rlJlI lur TU\f!f, 1I111111Wc:r Willlllllltlnkr tl~'dlldltlll rlllm Ill' dllllll l'fCdU Uft
IlIe 1'1I111:ll'nlllt 11l'l!lr.1 tlrClIll'l1 h)' Ihl~ .'\I'I"IIIIIy 11I/illlll1l1:"..1 lIy /(";I~tllIlI( 1111)' 1\"Vl'lntllrllllllllllr~. n~~r""ltll'llh
III dUll~t'fL IIUIIH\W" \\111I11I11 dnllll nil)' "...1...111111 "IllIlllll'I;"UIo/I' vlIl"e I" HI!! l'lIll'("I)' lIy 11',1'11111111 IIlh
:;t:I;II'II)' 'IIMIIHlll'lIl,
:U. Jlllt'tt'.'\t Hufp Mh'r ,Jullj.!lItl'tll. fhlllllll't't nn't'u Iltlll 11Ir. 1IIII'rCAI Inle ,,"ynhlr. otler It
Jlllll:llll!1I1 h I'IIICIl'tlutl Ihe Hille lit 111M nrllulI HC 1IIUII~Pi:r. (,"r.;luAIHI' AII,III he IIII' IIlle .loll'tJ III lhc Nt)le,
H. Hitler:! hllhl!\~l.'l:ullI)' Imlllltllclll. Irlllll!llllllntC Ihh~r~ nler.~cl;ltl('d hy IIllttllwCI nllll
ICI:mtlrt' 11'1:\'111('1' willt 11th: Srl.'lttlly 11I~II\IUll'lIl, Ihl~ CIIVI'IIIH1I,~ 1I1l11111:/t'I'lllt'Uh ul rOIl'll ~Ill'h ,hln "h.ll1 he
1/11:11I 1'11I "h'II hUll nlltl i\hnllllUlI'/lIl nnt! ~ul'l"I'uII'nlllll' fUV"ItIUlh lUlL! nl:II'~'IlI"lIl~ nr Ihl~ :il't.,..d'y lu,,111I1II1'1I1
n~ IC lilt: Ihlcl(s) WI.'It! n !'IIIIII( 11th S"llldly 11I~IIllIlIl'111.
leiit'd "1'1.Ih:nhlc Itll):(I'/iH
U ^lljllslllhle Hnle Hhh:r U CI/lldllllllniulIIltilll'r II ""1'II",lIy
Illllc,
U (}llulunh:lI IllIymenl f~JlIcr U "IIIIlIU~11 Villi IJ IIhmkly
IlcVI'llllllllCtllllhlt:1 111lyuII.'III
Ultll!r
II Olh",(~) lC~fll'dryl II !lulrlllll'll.\'I'lIIrlll 1,1 111'11111.1
!thler 1I1lllleltltl.:r
lOOK t:~I1? fAG! Il5b
,^ tsrlltlU rL"I!IIIIAIII MI)lIUAIlIt, ^"CIIO/lI"1
tAlIPJol4
~tlJlll""A rA."
......~........,.,"~,.....,.._".....'.,. '
"ow......""",
..
"
, ,
",
"
"
,I
, , , ,
, .
of I
"
m J 'f' ,
I m PI!!,
11
'f'h
~
i " f~ UJf; ,
~, j~,
~ ~ .Ell
:( a
p
~, .., ,
::r ' 1
I,
"
"
"
,,' f)ft"".~:VltlH"'}' 55
IV ot Cumbo,'.""J
d"ld In tho oltt(,V lut Ihe rtcQrdlng 0' D'"
') ..nd '0' CUI' I:'If"ll,ld counry, P.
/oJ,I. co' - ,,~~
'~. J;JOOI\o.~ ~,)I ____ Peg. ,-
~/,., "nvhll1dll"11r~~"lo'otrIC.Q'
, :r IV~ ~).
. """I,.P^~"1~?;.=;
("
'...,),
JI,\I.I.IHIN Nun,;
'I:IIE lQ"MI. I'AI'MENI' IINIII':1l 'IIII~ NOn: I~ MIlI.~I'ANIUI.I.I' 'OIII,:A'Ii':l1 'IIIAN 'IIIE
111l1.;vIOU:l II^\'I\IFN'I:-;, VOl! 1\111:,1' HId''\ Y '1111,; I''''' 11111'; t1NI''''" l'ItINl.'II'^I.IIAI.MH'E OF
'1'111'; 1.0,\N M'il) UN!'AII' IN II',HI',"''' 'IIILN Iltll';, '110,; 1,I'.NIII.;1t I~. \INlllm tit) 0111.11.,\'111)'"
TO 11I~FIN^Nn'; TilE I.OM-4 ^ r 'IliA I' '111\11-:, \'utl \\111.1" '11110.111',101 IIIF, liE 1I1',IJUlltI, It '10
MAIH; I'AW.IFNT I)UI' ()II" 0 1111, It 1\\',1" I ,'.; '111,\'1' \'l)ll MA" OWN, Oil \'oU \\'11.1. I 1,\ \' I-; TO
lilNI) ^ I.I~NUhllt \V I 1It;1 I MA\' III-: 'IIIE UJIltI,,1t \'IHI 11'\"1': '1111:, 1.0,\N \\'1111, \V1I.I.INtj '10
I.I',NU \'l)tI '11m j\lONI',Y, IF \'01/ 1I1',HNMH'I~ TIW. HIAN AT "1.\"111111'1'\', \'011 1\1,\\' 11,\ ~'I';
'101',\\' M.lI\II'; Oil ^,,1. ,II> 'IIH': Cl.tI,llNtj CU:ilfl /"10111\1'\1.1,\' Ml~OCl^'II;,1I \Y1111 ^ Nh\Y
UlAN EVEN Ii' I'OU OIlI'h1N IlH'INANl'IN<lI'IHIM '1I1E ~MIE I""WI';Il,
MI,dIlUIII;nblIIIJ
I'I,NN~I'I.V^NIA
us S 711;l'J.Q_...~__.______
...f'_lJ't~L..l'!.'~~___ ..__
Il.le
112 II Jl.1,fiIlH'; CIIIt:I.t.;, t:^HI' 1111.1" I'^ 1'1011
----- --~ --.'--ii 'I:;j;;;ty-^:I~j;";~.)---- -
I. IIlJllIlOIVlm',~ I'II()MI~E 'IU I'AI'
IlllClufIl (ur. 11I'lIlhnll hn...e UUhI'II, 11"llIIllu: 1IIIluy lj,S, t_?~!?!.'!.:~~___._____',~. (Iltll AllIllltnl II
1:11111:11 -I',ludlllll-), pllll IlIlr.lUl, hlllle 1IIIII'IUl Ille l.tudrr, 1he l..rlulu I~ ^lUlllln: l:lIl1dltlll t'IHltIIAUY, ,,1'1...111111I ur SItI"!llur
1l;lllk li511, 11Ilulcr.I"IIllllllllhr: 1..r'IIIl" IIln)' Itftllsll'l Ihl, thlle, 'lhe 1),!l1llr, ur IllYlme whu Inl.ellhll Mille by hAlllrer .,,1.1
.....ho Is el1llllrtJ IlJ u:.trl...e 11')'lIIcIIII Imder Ihh Hille II nUl'lJ Ihe -Nuh: lliMer,.
I, 1IIIEIIE~T
Inlue'l will l,e chn,wd un Illc IIl1l'nl.l I'''udpnl t1l1ll1ll1e rull ,1I1111U1111l' pllut:lIIJlI Itln hl'tn pnll!. I wllll'ny ltlltll'l' III
I yenrly Inlft ur __.!..3_',~~, lulelClI wllllle duul:rtJ 1I111111he Iltllldflnl hnl hUll I'JlltI lu Cul!,
'111ft IIlIUCII ule ,cII,dltll lIy 1111, Sedl"n 2 1I11u: .nll: I wllll'I'lY lIolh hC(III1: 11lI1.nu Ill)' t1tC'III1IJuc.lhe,j.l" ~ulh",
6(11) 0(1111. Nulc,
,1, I'A ""IENTS
I wlll!,ny 1',ludl'"1 n'1I1 1IIII'IuI It)' Itlllldlll! 11,1YIl1'1I11 cltuy Iltlllllh, L:tu:h o( 11\)' llllllllhl)' It.1Yllltllll, e.cepl (lIr Ihe finlll
J'n)'lIlc/ll, wllllu: IIllhe _mOIl/IIIl( IJ,~, S.._,_"n~~_'_~E__~_______._, ___.___' ^HlImlllll..1I IchrtJldr.1 "'Ylltttlh or
I'dudpnl'"lllnll'.t"sl IIC mlll'c 011 11,,:1, due tlnlra, Iht: Iillnl PIlYUll'JII will lit: U,S, L_~"l, l~,t;, J]
I wlllllwke lit)' IHOlllhl)' pnYllltl1ls lilt lilt' ____,I"~ lIny (l( cnl'll Illlwlh Itr.l:l/lnlll~ on _...:!UN~" !_~__..___.,.____.
19..2.1, I wUllllnkc Ihue Ilnyultlltl uelY uwutlt UIIIII___.__t'~Y-)_~__,__,______. _,__..-l.!!.~~, lilt which dnllll
wltllMY In rllll ..II ur IIle It'lllnlnlllg 1,lIlldpnl, IIl;clllr,lllllrlrllnllllnny IIlhr, chnrjlU, tlucrlhrll hdllW, 111:11 Imny U\\lf: 111,.1..,
Ihls tillIe, lJllltU nl'f1lh:nhlc Inw f11ll~llll'S IIlhrlwlsc, /Ill pn)'lllcllh will he nl'l'lIr.llilll II) nl'cl\lrll nlllllll1l'nlJ Inltlul lu lit!!
IIMc lit "n)'III!:1I1 nud the II'1Ilnlutlcr, H nllY, I.. III'" ulIl'nlll I'rllldl'ulltlllunur. ^"Y Illh' dIlH~r~, cl1l1nllllll rn~h nlllll:'llt.'lI~l'~,
l'hhllnnU:I' ch"'ck cllllfllU nlld jlnYllttlllS mnd,' by 1111' Nlllr 1I..lder III tl1r,"CC 11th Nulr. IlIl'Jlu, 11I1"ulrd lite Nllle lltrhl!,'r'l
IlIlcrClI' l/rlllu lire Scclldly IlIsllllll1tlll (liS drlill~J III ~(t:1I1l11 !,I) wIll he 'u,(ued Irl"lllllt'ly,
I wIll tIInke illY IllHlllhI)' jlil)'IllCIII' nl_,
In Cllf~t"llt lollp,f! RUIIII, NUIlIVllh" tu lIH,'I')
- -'-.'---"--.- '-.--~---_.-. ------.-..-_~__.----L-,
, lit nl I tlltr-:1tllll'l,llI:e Ir It'lulltl' hy lite Nule IIlJhler'l
.., 1l0ItttO\VEIt'S III W 1'1' TO I'HEI',\"
I hn~c Ihe .Il:hlllllllllke !,aymenls IIC prilldl'llllII ltny 1I11le hefure Ilu'y llle ulle. ,^ l'nYllltlll oC I,flnd!'nl ollly I, knllwlI
ns II .'Il"I'IIYlU~lll..
I mny tllnh II rllllllltl'n)'lllr.lllm Illllliall'lrp;IYllltnls wllll'lllll'nyllll: III)' t',tI'1l)'lllrIl11Iennlly, 'Ihe N'Jle "ohler will....
lilt: nllllf illY plqlnyml'l1ls In If,hl~'e Ill..: 01111111111 ur I'llnclpllllhnl I"we lllllltt lbh NIIII:, I( I mnke.. pnlllnllllcl';l)'IIIClll, Iht:le
wHl he 1111 chnllgr:s III Ihe due Ilillcs III nllHllmh IIC lilY llllllllllly I';lYIIICIIII ulllr.u Ihe Nuh: 1IIIltlrr ng.tn I.. w,llIlI6: In Ilmlf!
chnn~e~, l:lCr.I,1 n, I'flI...hled III ,cclillll.1, 1I1C tlule 1I11111tr rnlll! nil)' 1III:plllol UtlllllCe c:hn'l:e nlllte lime Ihe IlJnllIs 1lI1111t: Rud
nl) Iln.t llf II will he ,tful1t1rtllr 1 IlAY III r\lll nlll'lIIJ ,,' Sdl-:t1uh:,
5, WAN Cllhlll;E~
Ir.I,lw Ot fCR"lnllllll, wldr:h IIpl1llrs In lids 101m ~II,I which ,rl!'lllllulruumlnnll c!"'fItU, I, 11111111)' Inll"ll'"lt.111) Ihrllllu,:
Inl",,,',1 rll lIlli'" 1",111Ihnl!l'" (lIlh', h'd,,~ 10 III' 1:1111" "',Ilu ulllllnlillll with Ihl~ 1110111 cJ\cel'lllhe I'CllllIU(IIIiIllII', 1111'11; (I) nil)'
111I.:h lulrlcsl nlld/I" oilier IOIlIt d\;l/~cs sh,,1I h~ ICLlIIC'll fly IIl1! nllllllllllllc~'C'SIIlY I" ,cduce 11ll! Itth:I~,~1 lUlllln, ulh~r IlIa/l
chn'ers III lite IIellll~lIr.J limil; ""l' (ii) nn)' StlllU nlfrillly cnlh'dcll hum 1111:' \vh1ch clCcctll'lll'l!'llllllrllllmll~ will he rerunded
III 11I~, 'Ihe Nlllc 1llIldl'r IllIIY chml~l~ 11I1Il1I~t' Ihi~ ,dllml II)' le,llIdllij IIle prlllclflJlI I IIwe IIIl1Jer Ihh NI,le IIr hy lII11klllll n Illrel.:!
f1nYlllellllll me, lr 0 'c(Ulltl'ttlllt:es l,dndll"I, III..: Il'IllId~1l1l wllllte hClllcll n1 n I'Jllllnll'rel'n)'lll(ll1.
6. 1I01l1tOIVEIt'S FhlLlJlm TO I'A I' A~ IlEf}IIIIlEH
(A) IJ11~ r:h:tlJ!~' Cllr chc,t/IIr. l'IIYIll"UIS
Ie Ihr. NII/e Ilnllltt ""' 11111 Hctl~rll Iii" rull IIlIIlIlInl IIC IIn)' IIl11llthly I,"Yllle/l1 II)' Ihe C:IIIII1C linetfl (I~) cnlcnll..r Illl)'S
"ftt', Ihe Ilnlt' II l~ 11I1r., 1 wllll'l'y n 1;11(' rh;l'IW h'lh~ tlllt" IluILII"', 'Iht'lltlllllllllnr the chnq:r wllll,t IiYP 11'lcl'nl U':'.) IIr
lilY ~dll'dlllnlltrIYlll""II1C I'Ii 11': i 1'111 nu,lllIlrlt:~1. I will P,IY Ihh lulp tllu'I:e 11"lIlIlIlIy hili nnl)' HlIl:P UII ""h 1;,1t' I'"YlllPnl. ^ny
luk d"ul:r. \\1111 he III lllltlillllll In Inttle~1 nil III'~ IlIrll UIII'''l1l1l1n.: I'rilldllill hIt tilth till)' the 11,'YlllPnlls IJlIt',
r,,)I."n~"" I1n.l""'11ls, '1,'I!IIIlIAll' An .110 'UIII'. , All:
'11/ rrr 0111'11'"
rAlllllllrr
tfIIMIMrA/I
1II)'Id,11I1I
J' '1111 lIul,p,'y Ihl' /I,ll nllllllllllllf t.ldlllUllllllly 1',I)tlH'hl 1111 Illr 11.11.. Ii h 1111", Ilo\llIllI~ 1111/../,11111 III glU In Ild.lIllI
n!l,llh!! Ullulllnlp,lmlplll .1I11l1111IIlC till. IUIIII h lIH'1 '~II.tUIl. III" tllll.. 11111,1"1 111,1)' 1I''1''hl' till' lit P,I)' IUllllnh,llrI)' III" 11111
11111",1"1,,111111"" 10,,1,111111 pi... nnlll,'i1111,,11I1I1...lollllh,...~IIIIIIIIIIIY 111111'1 nmlllwh I IIll'lIII"''' Illllt"1 11,1\ 1111111 1111\\1/\1'1. il II..,
III'Ullllll 1'1111I1",,1 Illlllllllllll' tll,- hlllll 'I $\0,1))11111 1i'1I, nud I 1111I111,11'1..1111,111' t11,11" 11..11/1" \10111 .,...11111' 'I "1IIlr.IIIIIIII"
l"'htlB 11111 11..11 II 11111'11'111<1'- IIw 11\1....1..., 11111111I11'1'11" 1II'IIIIIIhlll..~I.. 1111,1 I'lllI'lI'n 11'- II 11'11,111 11,lh' 1111' Uuh' 11111111'1 'III)
'1'11"1111 IIIC Itt IIII~ 111I1111'1",11('))' 11Ir. 'llllllllp~hllltlllllll;llllollllllll! 1,1111 nu 1'lf,luII,lllIIl',ll&I IlIlfll'~llIlullllty IIlh.., ~1ll1l1l11IIIIlIi'1I
II"e 111111'1 11111''','11, "",lIlll1ll! tlllt~II,r .III'..~I lit 11,1~'1 nilI.'I Iii,. 11,lh' 1111 I\hhh IIII' Ill,llrl' h 11101",,1 111111' I.t, I' II II 11I11
111-,11"11, llJ 11,..-. IIIil'l 1I1~ .11I1t! 1111 \Iollldlll ,~ Itdh-'/I',IIII IIll',
(1')tlnWnh"II)'flllll'llllltI"
':YI'II ". .1 "Ih,," \.I.hrll , .1It III t1rl,IUIt, /III! tllllr Ilu/.lrllluu "'IIIt'I"lt.. lur ht II"llflllllr,JllIl,ly IlIllill II 1/'ll:lllIrl'
nllll"l!, III" tl..11' "1,!tIrt "'III.IlIl.."....1I1tllllhllllll,t .11 It '"11I11111"',11I1111111011" Iilllt'.
(Il, 1'.YllItul or thll.: 1I111t1r.,'. ('Ill" 1l1ul hl.tll~rl
Ir ItldAIIII, twhl'lhrr III 1II11111u tlult' lIuhh'l hili 1'lllIllr,1 llIe ht Ilny hlllllrlll,llrl)' III (1111 II tJrh',llt,d 1111I\11', Iltl! NIIII
IIl1hle, twill Itll\l" Ihe IIMItI hI he llnlt' lIal'k II)' till! cu, .1I11r II. wall "1It1 UprlUrI III I'llCllldl11: 1111, Nule hi lilt' 1'111'111 11/11
1'lIIhlhllrll Ity nl'l,llulJle lilW, '1llIue r.,lr".I" 1/11 hl.lr, (ur I'.nllll'":. lI'nlullnlll" 1I1hllll"Y" (I'" 11111 ,,"llIlhlll'll hy 1l1'llllnlhle
I'IW, I "'III IIhllI,ny II dill/tit' Itt 'IU 1.1111 IllY n, hhll h,IUk dllllUtl iii' l'...dl.Jj~hIIlIlHrlll.ltrdl 1'11I11 01 !llhl" 11l~ltI"t1fnllullrll
hy me III I'''ymrlll 1111 Ihh hlllll,
"
7, (;lVIi'll; (II' NOllCI':S
Ulllru "l'lllkllhle lAW Irll"hu II t.I11ltlrlllllll'lhllll. IIIlY Ihllke Ihnlnlllll lit' 11'1'1'11 II) lIIe IItHlr, 11111 tllllt will he .hrll
Ii.- 1'111\1,,1111 II II' It)' 1Il11lllulllI It)' filii d.m 11I..11 Itl lIle 1111111' 1'llIpl'lly ^Jlltrll ,IIIHe or.', tlilfclt'lIl Dlltl,tu I( I ,I.,., lI11t
Hille Ihlltl". 11111 Ice 1I(IllY .lll'clelllltllluu,
^II)' IlUllce Ihollllllll he 111\11'11 It) l'le tllllr 11,.1,1" IImll" Ihl, Mllh1 ~"'lIIl'r "hclI h)' IIInlllll" II It)' nul dnn mnlllll Iht
NlJlr "'I"'e, 1I11/1n 111"'11:11 111I1r.1 lit nrllhm ) IlluH'1! UIIII II IlIlItlrlll nlhhullC 1 Dill nl'l'ellII Illllhr IIC Ihnlllill,lfllllll,h....
a, 1I01llUl\I'io:If'S WMva.:IfS
, wII.,.e illY Iluhh h. It'Ipllte 11t~ Nu/t 11111.1"1 III '''lltllallllhll1t/I, 'I hmr Ihlll':' IU~: (^) In IlrUlJllIl p.lymrlll ur 1111I11111I11
tJue (kill/Willi' .'lltlellllllcnIM)i (II) h, ,hr lllllil't~ Ihill nlllllllllls Ihlt! IH'Vlt 11111 hrl'll,MI,1 (kltlt\'l'1I III -lllll!rr.lI(llilllllllll'.); ((.)
In nllllllll Illlllrtldnll:rtlllll'llllllllllr 1I11l11'1I)"lIrllll~'"II\11l1l111 .1"1111'81.), ^")'III1f! rl" II) \.\1111I111:1"'111) ~"fllh"I'tlllllhn 11I1111"
In Ihh Nil"', .., (II) \l.11II ",:"'''' 10 lI','~I' 1',1'-11I"11" h. II... "1111' 11..1,'1', " I ',111 III ll'l'l' Illy jtlll'lIl~rI 1I11dl'1 IIlh thll", ", (lit)
\IohilldJ:1l5 11115 tIt'hllll hllmf~11111I /l1l11l~111I1! rI~e nllll\\lll III .lllllllnllllll', /l1l1~lIl'1. nlll' tlllllllll'''.), nl,., \Io'ulvtllhue "Ilhh"
" TillS NO n: t'OVI':IlEIJ 11\' ^ ~1-.C11l1l1 \' IN~lllll~IENI'
^ Sl'uIIII)' hUlllllllrnlll( r.\lrll lilliI' rltl1l,llnllll! ,'I'I'udl'llllIlIlC Ill)' Ir"II"rll'rrly 1'"ltl'dllht: Hnlr. lIu',lt, (WUlllllulhllt
I"'~t, .....Iddl 1111llhl 11"1111 ir I "II nt!1 Jot"" II... I'IIIIIII~,', "hi, II I ""Iku hi Ihh UUh!, 'I 1111 Mllh~ I, 11'1:11/1',1 II)' 111111 I'ir[lIlIl)'
11I~1I1111l1'III, 'lh,,1 !ir1.:1I111y Imltlllllr.lIll'~H'ljtlltllln\\p 1Il1l1 wlllt:, ,,,,hul [1111I1111111111 lIIi'y Ill,' 't''lllllrtl IIllllllJor.llIlIllrlhllll!'I,I)'ltll'lll
III'ullur/lllnUllllllllsl/lilllll\\lI'"llllnlhl\lIulr.
III, IIESI'ONSIIIII.ln' 01' I'EIISONS IINIIElt TillS NOI'E
If IUlIIO Ihnn OliO 1'1!1I1111 .Iall' I'lh MOlt, rnd, or 11111 Clllly 1I1l111ltnlll1nlly uhlllllllr.I' h, PIlY Ihe rulllllllulIlIl UWttl IlltlS
tile c:lUlIgUIU a1tu:,lhrd III Srdloll' li(^, IIltl 6(11) nllll h. kUllnllu( Ih~ IltlllllhU ntnlJIII" Ihl, Mol~, AllY i:U/lflllhl', IUI,ly,
u, I'llllnner IIr Ihl'! Null! (M .11"1'1111"11,, ~"'Ihlll 1II1h,,~f') II nl~lI 1I1111'!lIh'IIILI II.. Ihur Ihlllft., 'I he Mule Illlhlu mny rnhllrt
II' ,Ichh ullllu Ihls Millo "~nlllll "nt:h or liS IlIdivlllllnll)' lit Illlulllllltllllf U"' hll:fllltt" litis IIIr,llIl Iltlllll"Y 1II1l.~ ur ullltny I~
1l'llulltll IUl'ny 1111 u( the IItUIIIIlIlII\\'Cll u",Jr, 11115 t1111~,
AllY prl511n wllu lnkes m'r, illY IIl:hh 1I1111'Ul!~I'lul1~ 1l11llcllhis NIIII! willll;1Vt' Illlllr my 111:hl& "11I1 tUlIst h,l' Illl lIe III)'
I"CIllllsu mntlr III IIIi, Mlllr, All)' "1'1111I1 \~IIII 1,1~1'~ 11\'1', Iltr II/11th III 1IIIII,;'lllulU ur II IllIunlllllll, 1l1lC'ly. Ill' I'lltlUlitt uC Ihil
Noh: (n5 Ilcsl'Ilhcd lit ~nlllln H IIhilve) I. III'I'l/llli.:nlt.',1 hI kr.cl' nil 1/( Iht I'fIIltIhl'llUllllc In litis Nllle,
II, ^I'I'I,IC^III,E I.^IV
'I his NIIIl! Ihllll he 1:1....1'1111'.' hy Ihe 1111"" u(lhc L'UIIIIlIIIIIWtllhh u( 1'C'llllsyl~nnlil nmlllll)' n"l'lh:llhl~ (1'IIe,.,llilw. fit Ihr
rvc,,1 u(. CIllllllr.llorlwrt'1I nil)' f'III\lllillll "r lhh Nult'llllul nny h't1l'lll' III Pl'1lI15ylv1wlll.llIhllt', 111\11 or 1C:i:Ulillhlullt e((\'l:1 ns
1'( lite! 1I111e IIr Illls tlUIe!, lite Slnhllt', Illw u, Iq,lul.lllolllhallntllltllllu Iltc r:Ah'lllu( IlIl'll (Ullllid ntllllhe c'lHllit.littlll',ovlllulI
CllIllllilll:lllnlhls tlllle Ihnll he WillullIl t'rreU, ^H IIlht:, l'IUvblltll~ II( litis Nulc wllllculnln fully clTltdl.,.c nllll en(ulcl'llhh:, '
WIlNES,I Till! "^NIJ(S) ^NU ,II!^I.(S) OF TIn: lIN(AJi' (V'ir~![). .1' 0t;r2
!ld.Lfiid///~(f,I!(JJr:.~ . (5,,,1)
c.:hnr 1 011 McCown .UUffU\vU
. . ~G~~,1L~cJlt2M:J~JS'''I)
~~~:lch ^, McCuwn -lJurruwrr
____,k__'_..k_., _ '__..____.
----,,-__.(:;1'111)
,1111I111"'''1''
,- --,._-- __,,___ 'h_ __'__'___~____.__,__
_,_, __....(:ie.ll)
,1I11tlllWer
.
,^ "'I' IIVl'It UO.....llur rI~r.1J 1lA11! /\II IolllJ IIIH 1\ , All'
,IUI'rrCIOfI",.
"Almll,1'1
"'NlIlA r~ll
TilE I.,\W
"" It' \ ",
(;UI\I;wn ./.H,WJ)/..\ty
rr YOll ill.l,lJlld il [<Ice-tn-filen II1nnUlllJ wll.h I.ho lllll<lnr, (II.'
with il COil/HillinI' crndil. eOlllHlnl.i.llfl i\lJ"llcy Idollll' I..d In UIl/1
Ilot.l<.:e, IllJ flll:Lhllr prol:uodlll'l/I III lI10rllJillJll [U\.l!l'I.'JIIlll'lt IIlilY L<lku
plllCO Cot. l.hlrLy (:10) days ilfLt1\.' l.hll dul.u oC 1.1'011. II1UllUIlIJ.
'1'1I(J lIilllllJ dlld LI!LI~ptlClnu Illllll))(!l.' of tho rl!Jl' POI!IlLill i VI!
ls: MoIrk Al>l>ul.t
'l'llLupholln llllllllll'r: (I -1100 4!d-IO!J'l llxl, 1)0'//)
'['ho Ila/lle (3) illld addnHl/1 (us) uC I.ho dU<lllJllill.l!!l COIlIHl/IIOr
credll COllllsolilllj .IlJ'!1l1'y(iUII) .lll(ilrli): Illil! ill.l dl:lwd
IL in only n(?COnSdl'Y to IJchedllLo Ollt! Lll'u-l.n-(dcu IIIfH1Ltn'j.
YOll 11h'"lld ildvl/il' l.hn 1"lId"r lllllllf!dlilLllly n( Y'lllI lllll.!llilnllll.
If Y<HJ hdV(\ Lri.(~d illld ..rp 1I1hlblo to r(!:!ulvfl Illin prutllulll ill,
or after your f,-ll:n-ln-rilco Illl-ntinq, you hilvn llln riqIJI I,,) dJ'ply
(or filJiltlC.lHl d~H).luLiJncc (rom l.lll~ lIollloownc,:a' 1':11ll,!I'~JI.~n('y ^:;:-3l:iLanco
f'unu. In oruor 1.0 do Ih.!", YOll lillI/It Ull 0111, :;('111 .111.1 fllll a
cOlllplcLod 1I()Il1nOWII(~I.":)' 1':1Il01:YI~IIt~Y ^n:il:jlancQ APIIIII'dl.lllJl wi LII L1lf~
Pennsylvania Ilollsilll) 1,'Illanc" Al)on(;y, Thn COn'JIIIIIl~r cred.!1
counselin() ill)ency will assist YOll ill fll.l.ln'J out YOllr application,
It IHI.lsl be fileu or postlllill:ked w.!thIn LhJ.rty (JO) ddYIJ of YOllr
Cace-lo-ColCC IIIc"I.IIIIJ.
'fou 1II11sL oILtI,>r lIIi1il YOll appllcatioll to the "clllIsylV<1Jlla
Ilousinq f'lllallc" AqrJncy, or YOII IIII1Ht Clln Il: "I. l.h" olflce of OIlU
of I.hu dcsJIJnilt..ed con/IUlllor er"diL cOlllweJ.l 11'1 il\/"Ilcl"s' ll.s\.cd
above.
'l'he 1")llIl1lylvolnlil IloUflillIJ f'l.lIallco A'Jnllcy 1..'1 Incill..)d ..I. 210l
North front Stn."t, 1.',0. [)OX OO?<), Ilarrlsbllrq, I'A 1.'/10',.
'l'eleptwno Numbul': ('11'1) '/00-3000 or 1-000-J42-/J'J'I (toll frue
lIulllber) .
An appllcatioll fat' i1sslstance milY bE! obtill.lwd (rom the
lender, frolll a consulller crediL coullselinlJ agency, or rJinicl.ly
Crolll the Pennsylvallia IlcIIsing f'.lnance A'Jcllcy.
J l.iB I!XLJl!lIl1..'Iy IlllpUILdllL LIlli!. yuu J i tt.~ YllUI dl'pl i.l:dl.iulI
promptly, If YOll do not do so or If YOll do lIut fol.low the other
t lmo p"rJodlJ Sf!1 [orth ill Lid /l letter, fore'" ","'re Illay pro<,:oed
against YOllr hOlllo (IIul1odliltely.
Avallilblu Cunds (or cm"rqency 1II0rlqa'Jo aSIJII.lLi.lJlcc anI v!'ll'Y
l.lml Lod. 'l'ha twill. bo d 1 sbll rrl<!d by Lhe ^<Jt!ncy II nile r the
ellcJlbillty crlteLlil e'ltabllshed by Lhe Acl.
TilE 1.\\\
" , I , I ,\ II I
I; 1,'1';1: 11/1'1 J \ 1 W/)( \IV
II YOII ill I "lid il filclI-to-fllcO 1II00t I.n') wi III I hll lfllldor, or
with il conlllllllor l:rodlt counsollng iI'Joncy idonU /lod in I;hlll
n"lll,''', no (IIrlh"r proco(ldlnqll III 1lI0rtqillJ'l (01'111:108111.'0 lIIay tilko
"I...." 1"1 1IlIl'Iy (.It)) dolY" i11.1.[,/' 1.1l" .lillI' "I Ill.., IlI1Iol.lIIlJ.
'rill' Ildllllt dnil II' Illphont~ nllllll)(~r ut Lhp rl!prPfH~nl.dL i vu
1.'\1 Mark Al,b.)I.1.
'I',dopllon.' NlIlIllmr: ()-OOO 4!jl-1093 "xl. GO'12)
'I'h." Ililllll' (II) illld add/'c,lIs (011) oC the lIosl'III,ll.od conlllllllor
('rf.ldit: C'Ollll.'IPI lllq ;lqnncy(Jl1'~)) 1.ri(iJrn): H[l(~ at"lilCh(!d
It i" "Illy 1I"l'lIllllill'y to schudu.lo ono facn-lo-filCO rnootII1(),
YOll tlhollld advi,;n 1.I1" l"lldor lllllllodl.lleLy 01 your illtentlolls.
I" you holv" 11'i<!d <lnd ,It',, 1I1lilblo to rOll,>IvlI lhln pc'ohl,"1Il at
or aa.,1' your (oIl'p-Io-faca /IIo"l.lnlJ, you hilvn 'II" ri'JhL 1:0 i1pply
rnr findfll'idl d:l:linLdnl'O [r(lltl 1.110 IInllll~c)WIJl!J.:-11 ":III1.!)IJlJfll:Y ^u~.l~Jlancu
IClIl1d, III ord"r 1.0 do L111s, you lIlusl fill ollL, ,;1')11 illld flle iI
cOlllpllll.(Jd 1I01ll1!Ow1I0rli' I'.:IIl"rqcl1cy Assistllnco Appl iCill.lon with tho
P"l1l1syl.vilrliil 1I01l,;il1tJ Flrlllnc" Agency. '['h" COn'1l1l1l0r credit
C'"UI/ll'I.ll1'1 i1'1"I1"y will aBsl/lt YOll III flllllllj 0111. y'lllr appllcaLlolI,
II. 111'''11. }", 111,,,1 "I' I""""lilrked wil.llil1 Lllirly (:!O) dilYII 01 YOUl'
rdf'I'-Ln-1 ill~l~ 11I(1(11 lilt.!,
Ynll 11I11.'\1 l'illlPI lilt Ii. I ynu ilppllcdl.lolI II) I lit, Pt'IJllnylv.lld';l
lIollllin'l Final''''!' A'IPncy, or YOll 11I1"11: fi 10 i.l. ill I hll offlco of Gnl!
of L1llJ ,h>,9Iqnill.lIo1 cOIlSIllller credit. COUll:;',) ill'l il'lencl"s listed
ilbovp,
'I'll<' P"nnsylv,.llllol 1l00wln(J (;'i.nanco A'J.~ncy js InCill,(!d 011: 7.101
Norlll 1"1.'''111. ~:I.t.'l'f'I', 1',0, nox n029, lIar'rlllbllrq, I'A l'1l0~),
'1'"l"ph'lIl(' NIIIIII"'t: ('11.,) 700-:lflOO or: 1-1l00-]ll?-;''l'1'I (toll froe
IIlllttl", r I '
An ilpplicat lOll lor assi.stanco II1i1Y b" obtil I lied froll1 till!
1<1I1d" 1", (1'011I ,) COlllllllllcr crod!.t cOlllls"lin<] <1lJ'mcy, or directly
frnll1 Iltp P11tlll.'iyl vrllll ,l "nlln i nq FIIlIIIH'P ^qPfI('Y.
rt. Is "xl.rellll'ly llllportallt that. YOll fil,~ YOllr application
prolllpl:ly, If YOIl do IlOI. do so or lC YOll do IIUl. follow lhe other
I' irufl p(~t"i(ldn :lc't (orl h i.n Lhi:-i InLLr~r, fnl"<~t:lontlrc' rndY procnr:d
iHIClinf.L your hOlllP i.rnrn(~di.()t.(~ly.
^vlllldl,l,p ''''Pln ll)r f.!"lftl"fJ"~nc.:y J1Iol."tcJ,HJe d:I:.iHI.dlICU rlt"U V01'Y
1 i ItI it,lld. '1'11011. H I I 1 be d l sbll riled by l.Iw A,)oney lIlldo I' tho
I'li'llblllly "/11"1101 ""l.ilI>lislwd I>y tlto A,:I.,
,
, ,
VIlRIFICATION
'I'he undersigned hereby "tates that the statements
/IIadein the foregoing pleadirig are true and correct to ~he
best of his/her knowledge, information and belief. The
undersigned understands that the statements therei~'are made
,I
subject to the penalties of 16 Pa.C.S. Se~tion 4904, relating
to unsworn falsification to authorities.
, ,0
"" :/'J' p-
ot.....,,;,.
r----
/'
~..
..... ,
'...,
'1 ,
,I
I I
, ,
I ,
, ,
I
,
, , ,I I,
,
,
,
I,
,
o 1O'f1CEIWPWIN'PLIAO'*'!CQOWN ANS
OcliIlboI 20, t 1lIl7
,-
LASALl.E NATIONAL BANK, AS
TRUSTEE ""OR A,,"C MORTGAGE l.OAN
ASSET BACKED CER'I IFICA TES
Sl!ItlES 1')')(,.3 UNDER TIlE POOLING
ANI) SERVICING AGREEMENT DATED
Mlm SERIES 1l)I)S.3
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO, 97.4685 . CIVIL
Plaintiffs
v
CHAltLES MCGOWN and
PATRICIA MCGOWN
: COMPLAINT IN MORTGAGE FORECLOSURE
Defcndants
DEFENDANTS' ANSWERS AND NEW MATTER TO
COMPl.AINT IN MORTGAGE FORECLOSURE
AND NOW COMES, Defcndants, by and through lhclr allorneys, Reager & Adlcr, P,C" and llI1Iwcrs
Plaintiffs' Complaint os follows:
I, Admitted,
2, Admitted,
3 Admitted.
Note: No paragraph #4 contained in Complaint
5, Admitted,
6. Denied. The averments of paragraph 6 constitute conclusions of law to which no responsive.
pleading is required,
7. Denied. The avennenls of paragraph 7 constitute conclusions oflaw to which no responSive
pleading is required.
WHEREFORE, Defcndants Charles alld Patricia McGown respectfully request this Honorable Court
10 enter judgment in their favor and to dismiss lhe Plaintiffs Complaint.
.~ '" IH'
rl; ..".'
.,
, ..
11,1 - "
, ,.
(.','
l,:: .,
I.
I
,
...
I ,..
c.' -,
, ,
.....,..
"
Iotllll"l~" ~D"I~" '."I,"d rllt'
OHfIWC). OU,l,1owI'I'WO"II,.I"Tl'f
.
lMimdunt udmit~ to the ullellutions concerninllllw purlie~' Identitle~ undthe docul1lent~
~Ivhll! rise to the obllgutlons upon which thi~ IUlVsuit is bused. With respect
to Ihe ullegutions concerning delilllit. I>efcnduntdoes not deny thUI monies huvc not been
puld, but denies the umlllllllolVed,
The Delcndunt hns not dted uny uuthority supporting u vulld defcnse to the
loreclo~ure or filrgiving the obllgutlons represented in the Note und Mortlluge, Defendunt
merely urgues thutthe umollnt owed in the Compluint is incorrect. This bruud und
lInsubstantiuted allegutiondocs not sutisfy the Detcndant's obllgutionto setlorth stated
fucts showing u genuine issue of fuct in order to detcut u motion lor suml11ury judgment.
Gencral Dcniuls of non-puYl11cnt in un Answer to u compluint ure not suflident to avoid
sUllllllury judgment. First Wisconsin Trust COI11Punv v, Struusser. 439 ('a, Super J 92,
653 A,2d 688 (1955); Ncw York Guurdiun MorlllUl!e Com, v, Dietzel. 362 Pa, Super
426.524 A,2d 951 (1987); see ulso. Citv of Philadelphia v, Hertler, 114 Pa, Commwealth
475,539 A.2d 468 (1988),
The material facts ure not in dispute, The Affidavit of Plaintiff in Support of this
Motion verifies tbatthe Defendant is in default. thc ulllount owed and the loan history,
The Defendant's Answer docs not raise a valid defcnse or prove the
existence of Ilgenuine issue of muteriul filct. Therefore, Pluintiff is entitled to summary
judgment in its favor and against Defendant.
LAW OFfIC8S OJ:' GRE:GOIW JI\VAl\DIAN
BY: GR8GORY JAVARPIAN
!PH 556G9
44 SECOND STR8E:T, SUITE 203
SOUTHAMPTON, PA 18966
(215) 942-9690
ATTORNEY FOR PLAINTIFF
LASALLE NATIONAL BANK, AS
'I'RUSTEE FOR MC MOR'!'GAGE LOAN
ASSE'I' BACKED C8R'1'l ~'IC^,I'r;;S S8RI8S
1996-3 UND8R TH8 POOLING AND
SERVICING AGRE8M8NT DATED
DATED 9/1/96 SERIES 1996-3
135 SOUTH LASALLE STRE8T,
SUITE 200
CHICAGO, II. 60603
Plaint if f
VS,
CHARLES MCGOWN
PATRICIA MCGOWN
82 HILLSIDE CIRCLE
CAMP HILL, PA 170ll
Defendants
THlS IS A NON-JURY
MATTER. ASSKSSM8NT or
DAMAGE;S IlEAIUNG IS NO'!'
REQU II~ED.
: COUHT O~' COMMON PLEAS
: CUMBERLAND COUNTY
I
:
:
: tJ7- 4~d~ (!;u.~
:
:
I
:
:
:
COMPLAINT IN
FORECLOSURE
n ./")
/" -:-:>
:',". '-oJ "
,:,:-, ....
1,;//1: :, ; .J
.' .1/!
". ro.l
I,:., . "")
" ....) II"
MORTG/lGE .-" ':6
"., '~ . r :
j'.(" ,....
,......) .. )
, , ',jlll
, , ..
:'1 ~!l ,I
-. '.w :~l
"<;
: .
COMPLAINT - CIVIL ACTION
NOTICE
You, have been sued in Court. I f you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the court your defense or
objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the complaint or for any other
claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you,
YOU SHOULD TAKE THI S NOTICE TO YOUR LAWY8R AT ONCE, II!' YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND BAR ASSOCIATION
Lawyer Referral and Information Service
4TIf FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
of tho Mortgago is attachod and lI1adu a part hereof as
Exhibit 'A'.
~ The Mortgage i8 8ucurud by Pefendallt(s) Note dated MRY B,
1995 in tho amount of $77,220.00 payable tci Plaintiff in
monthly installll1ents with an interest rate of 12.~9'. A
copy of the Note is attached hereto and made a part hereof
as Exhibit "ll".
3, The land subject to the mortgage is:
82 llillside Circle, Camp Hill, PA 17011.
5. The defendant(s), Charles McGown and Patricia McGown are
the real owner(s) of the land subject to the mortgage ahd
the Defendants' address is: 82 Hillside Circle, Cap "
Hill, PA 17011.
6. The Mortgage is now in default due to the failure of the
Defendant(s) to make payments as they become due and
owing. The following amounts are due:
Principal Balance:
Interest to 8/1/97
Accum. Late charges
Property Inspections
Attorney fee/costs
$74,720.00
$ 5,903.59
$ 298.76
$ 100.00
$ 3,736.00
TOTAL:
$84,758.35
$26.59 per day,
costs of
plus interest from 8/2/97 at
suit and attorney fees.
7. In accordance with the provisions of the Act of January
30, 1974, P.L. 13 No.6, Section 403 (41 P.S. 403), a
Noticeof Intention to foreclose is not required as thi.
loan is in excess of $50,000.00. A Notice of Homeowners'
Emergency Mortgage Assistance is applicable as was sent
June 24, 1997. The Defendant(s) have not cured the
default.
IhllllJWtr IhllUlttlrlllUl ull uf 11I1I11I\\'rl'l ,,!.lIunlln"l 1I1111e, IWY 11I1111'/11:", tlu'll ur huklllr I,Ilh"
U'J:lIIlty Imlwlllrnl wllh,l:u'I,lInU Olllilvllllt n I'dmllY lI~rl Ihh Nn1lllly 11111111I11('111, luduaJlI,. hullllltUllIllnl
1II,lhlllll\\'(,'" Olv('II,llIllu 1I111kl' 11I1)'llIl:llh \~III'lIlll1l', 11111111\\'1'1 ~hnll jlllIH1jlll'I aJlldlll,,1l AUY IIrll whldl hAI
I'llollty 11'1':, Ihla Nn:lIllly 11l~IIItHlelll (1IIhl'l 111,111 II ~1'lIhll lllilll'lllltl', .tn'llllf hll~1 01 .,UII:I InHIII'llmIIOHlrul
API"IlVl.t1I,y I.mll/!!' All/II: 11'Ill'IIIIIlI~'III,'ljlllllllllllft SITIIIII'III.~IIIIIIIl'llt 11111111I1111 'rt'I"~IIIII whldllllHlll"'U
UIIIII'IlI'I willi 1/1I"I'IIlVI~hlllft III 1111: 11I11I.nli.lld)' pll'lTllillll /I"lIlrllu~) Illl'~'ft~ lI'IIIIIWl": (n) I\~'I'I!~ III WII1I1I11
hi II...: 11,1)'1111'111 Ill' Uu: IlhUI".lhlll ~11''''''oI by II,,' 11"11 III II 111.111111', IIUII'I.,ItIl' hi I j,'IlII,', ~ lit) 1.I,"II'~I~ III 11"11,1
,.11111 Ih.. Ih:lI "'I, III Ildl'lllh 1I1:..i....I.1I1111"IIIlIlIIlIIIII~ 11111 Ill, 11'j!..II"IlI.I'I'IUIII!~ \..111111 In 1..1.:11111'1'" Ilplllhlll
lI"Clllle: In IUC'o'ell1 Uu' I'lIh',ll<:lIl1'ul III II..: Iit'll ~ II' (\) "1't.:lIh'~ lllllll Ih~ III.hJu 1,1 lilt: lien nil IIU,umrnl
'nll~(AdUl'llu l"cutln MlhOl",""lltljl IIl1' lie'l hI Ihis Sl'I.:,ully ImIlIlIlU'IlI. 1II.I.'IlItl'I IIl'tl'lllIluullIlIl nil)' prill
Ilr tllc ".lIl'clly fa IlJhjl'd III n Ikn ""llkll 111.1)' ,111,1111 1'II11IIIy IIHI Ihh Sl't;udly IlIall\llllrlll. IJ:IIIJcr IlIn)' .:ive
Ihlllltwtr n "olke hkIlIH)'IHIll/Il: lil'lI 1111111I\\1'1 ~tlJlll "nll"r)' IIII' Iil'lllll IlIkl: .ltll:'" .Hlllr. IIf Ihe nt.llllln acl
IlIlIh llhuvc \...11111" II) ,1,\)'.. 1111111' I:I"'IIII! III llolll",
.t, Illullnll.r l'IUltl'II)' 111~11I11ll11', IIlJlltJWIT ~h.,1l ~rrl' II... 11IlpltlVrlllrllll IlIlW rlllll". or
Ilcluftrr CIC.(!cl.] Uti Ihe 1'lIlpelly 11I~ull'd /lL!;"H~1 hl~1 lIy IlIe, h;IIIl/lI_~ Iwllldl'd Wllhln Ille 1("11I .ull.'llllrt,J
"U~l.'rlll:e:. "lid nil)' ulher hll1l11ds, ludlllJill!: 1I111l,h IIJ IIll1jlJi lilt , f." whkll l..r.lllJcr lellllllU IUIl.IrQllce, 'Iht,
hl~Il','lIce: ,hllll he mnjulnlurd III Illl~ ,11!lOIlU" 111,,11111 tilt: I,,'d'l'" 1111I1 lJ'lldn ,ell"IH'I, /lI11 hi UCl:cd Ihr filII
leplnccllu:1I1 cllIl uf 1111: hlllhlllll:' 1It1IJ '1IIIIIIl...I:IIII'IIIS 1111 Ihe l'IUI'I'.ly, 'lhe IllllltlltlU: CArller 1'luvhU". 1I1~
h"lll,111l'C ahnll hc dtll~cu IIY 1101111\\'1'1 Mlhjl'll I.. I rlllll'l'lI "1'1"""'111 wlllth ~11'lll'"111 I,~ IIll1rMllunhly
wllllheh!. If lJllllUWcr tfljh III w:tlul.lill ('II\'CI;'I:I: Ibcdll.:d IllH'\Il', 11:1l.1t'1 Il..,Y, nll.l'lIdrl'5 tlpllllll,uhlillll
~.ovC:IlICe: h) plUl,;cll...r.lllJcI'1l dlllll,\ In Iho.: "IIII"'lly III AerUII/,llln' V,ill'IIIIIIII:llIph 6,
^" It15UIAtlu~ l"llid..." nnd ,ellrl~'llt~ 11111.\1 be nCHI,tllltll' hI Lrudrr ntlll 11111I1 InclllaJe I'l Illlnt!~IIJ
IIlllltijllgU ..:1.lUII: III r"vvr v( nlllllll n 1'"11I At'I.l'pla"te Iii l..cndl'r. l.tllller ~tlnllllnvc: Ihe IICIlIIIl hnhllhe
policies nlld U:llcW,lls, If lJ:lllh:r 1l''1uh(s, IllltrllWl'r a/tnll 1IIIIIIIplly ,:i'iC III LCI1i1cr nIl IcerlplS or pnlaJ
plClllhltu lint.! ICI1CWIII w.llees, III HIl: CV<:1I1 1)( I'IH, UII"o\V!.'r ,llIItJ lilvc: 1'llHllfll Illllkc 10 Ihc Ill5ulnuer
I:nllltr Dlld. Lemler, u:udcr 11I11)' mnkc prl/of IIf luu Ir 11111 III nile 1'111l1lflll'l lIy IlrllfUwer.
Ullleu untler '1II1! 1I01l1l"'rt olhcl\,,'lsc lI~tee III """I!nB, III~l"AlIce IlIl)cr.l:.)I ,hull lie npl'lltll hI
IcshlrnllollOr I('jlllt o( lite 1'I0IlClly 1IIlIlllIl.!ed, If Iht! ,..sIUll1lllltlllr Iqllllr Is CCUtllllldl'nll)' rtn~lhle nlll! Lentler',
Iccurlty ill nol ICllenclJ. If Ihe lult.ll"lhJIl or Il"pnir II IIoJI el'lHllltllknlly fcn,ible llr l~nJe", leeulhy WlllltaJ
he 1e.~lellcd, Ihe: Inullnll.:r: 1"IJ<:r.CIJISh,111 be npl'lird IlIlhe IUIIIIII"':lIlrll II)' Ihh ~c.curlly ImhulIlt:nl, whClhrr
or 11011111:11 tille, ",II" nil)' CII:I"U pllt.1 h' 11I'III.I.....t. rr 1J'"111wrr 1I1t1llloluIlI lh~ f'wpell'l, lit dllt:IIIHI nll5WU
wllhlll JU d;tys A lIutke: f,otu LClIltCI Ihnl lIte imlllamc 1:1111 lei Itn~ vlklr:t1 III al:lllc n rlnllll, Ihl"lIlwtler lImy
culled the lIuulIIl1ce plucecdl, Ll"ltIh:r ""''1lt~c Ihe I'llJl'cetfs 1IIII'pnlr lit Irlhllt: Illc P",pcII'I or 10 pn)' IUIUI
SCCIIlCJ by Ihl/l Securlly InShltll1C'nt, \~Ilelhrr IH Ill/I 111('" 11111.'. 'lhe 30'1(11)' PCdllLl wlll heglll \\IhclIl"!: no tree
II ,1'0'1"11.
Unh:n Lender Al\IllJollowcr otllO=IWlle Aln"'c 111 \VdliIlC, nny nl'jllicnlllllll)( I'Iocudl 10 I'tluctl'nllllnU
11111 eAlcnaJ fit I'051pone Ihe dlle aJ,11t: or Ihe /IIllIlthly I'IIYltlClll.'S referred hi I" "nrnCt/l1'1r I or chlll1le Ihe nlllouttl
IJflll~ I'I''1ll1elll". IfullIII'J flilllll't:ll'll Illht" l'll'lll'lly I~ fll'lIl1lrcd lIy l...cudet, 1I1101l\\'C"5 d~11IIIl /lny Ill5l1rnnce
I'nlic.:icl nlld P"H:cc1h tl:~lIhillj! 1111111 11,1l1l;'!,!!.: hl IIIC 1'llIl't'lly !,llnr 10 Itll: m:qul,lIIol1 SIHllIl'l1.~~ III L.eIIlJer III
lhc cAleut of IItc AUntS scel"ell "'I Hti~ ~"(,"il)' I 1I".1rt1l1ll'lll IWIIlI'IIi-lldy Ildm hI Ihe n':llui~lH"u.
5, OnUpUIIC)', 1'1 r.~l'r\'alll)ll, ~llIiltlrlll"l(c 1I11l1l'rllll.'cllutlllrlho l'n'llrrl)'llJunl,ul:r','I lrmll
^llfllimllmlj I.l'H,~dlllll"l CltlllllllUllllllltl~; 1'lllllIll't1lh.11 IJt!Vl'llIpIlH'III,~, lJlllc~~ IIuIIIIWC", l"ull npplkntltll1
l1Iull.Clldl'l 's lonn npl'''I\l1I1 plIl...111r:t1 IIwt Ih~ I'fIIf'erly wn~ Itllllrll"ilttl II, hc UL'I:Ul'iClI nl UIl"lJw~r's prlnclplll
rl:.\illcm~, IhllfllW~r ~tl,illl/l:t;ltI'Y, C~I;lhti\h, nlld It~e lI.l' 1'/111'1'11)' n~ 1l""I'WI'I'~ I'dllclpnl Ir5ldcucr. wllhltl
GO days nllcl Ihc e,Uculioll urthis Sl:cutil)' '115l1utlll'lll nnd ~llltll clIllllltue III I!(Cltl'y IIle I'rlll'l:/ly ns IIlJ1111wl!r',
l'r1uclpl\l rt:.5ldCllce ror Alle<lSI J )c.1I a(lu lhc (Jalr Ilr uccul',WL'Y, unles~ L.ender olhclwl!e A",en III wrllln"
which CIIIl~CIII ~hl111lml hc IItlll';I~IHl;lllly withheld, III Iwlc.\5 CAlctltll1lillj; cll~IlIt.!lfltlCeS ellsl "'hlch Me heyomJ
IlUtlowcr'lI cuulwl. IJollow':t ~hnll tll/l dnt'll)', 11.!lUII':!! lit 111I111I1, tllc I'Wl'clly, nllnw IIle 1'II,pclly 10
lh:lcrlUlnlr., ~ll (1111111111 wn~lc IlII Ihe I'rol'clly, IlnllulV('r .~hl,f1 he ill llcfllllll If nil)' rlll(tl""e ndlOIl or
I'rllueltillg, whether civil or (IImlttal, I" bl'~lllllhlllltl1.rlldcl"i\ 1~lIt11l rilith .iuilctllclIl ellllllJ rtllllllln r",fclime
o( Ihe 1'lIllll~11 y I)f ulhcl\vi.~e II1nlcli:,lIy illqwir Ille liell clc;llrd I,y 11th Sl'l;ulil)' 111.~ltll1tlCHI or umler', ~ccullly
illle,esl. II..IIuwcr ,h;ltll1t~I' he: III Jdauh if IhHIllWU, Ihldlll: Ihe Ion" nl'pllcntlolllltllCtI~, GAVe 11lAh:,IAlly
(II"C IIr ill,ll'l:IIIi1IC 11lflllltUllllltl IIr ~rilIt'UI'-'lIh '" Lt:l1I11'f (lit r'lllnl III I'IIlVhlt~ l--<<:lIllu wllh nll'l mnlerllll
inrl1/l1lllllulI)III Clltlllrdil/II willi 1110.: 11);111 cvj,ll'I,rrIJ hy Ihe UIII~, llll'lltdilll:, hullllJllIlJIllClllu, 1I'l'leM'tllnllllllS
WIICCIIIIIIJ; lIoflUwcr', UCClll'fltlCY or Ih-: l'IOllc.ly iI1 ~ I'dndl'nlrl:~IJellt;c. Ir Ihis S<<:tJ,lly 11I511111l1cnlla nil
I'l Ic,1~chold, IIIHluwcr ~hall Cllllljlly willi nil Ih~ I"U'ihllltl' ur lite Ica~e, I( IlnlllllYcr nCI)IIIII:., rcc Hlle In Ihe
""'l'clI)', I/l~ fc.ucllllt.J Ilut! lltr. rell lille ~11;,1I ntJllII~":r. unleu I..r.Ildq nl:'ec~ lu Ille /II(:r!:er lu \\IdUnA:.
If Ild~ Sccurlly III~lt\llttr.lIlls 1111 n Itllilln R cllltllnllllllllllll lit A i'tMucd 111111 t.levehll'tIl(:l\l, lJurrowcr
shnll jlcrrllrlll nIl IIr IlIlHuwcr'a ohligilllo!U u"r.!rr Ihe Ilcclallllillll ur cuvcnnnls clc:tllu!; or ,0Vt:lllilli: IIle
cVluJomlniulIllH I'lilnnrllllttil de~cllll'tII(,lIl, Ihe: b)',law:! nnd rc~ull,liuUJ o( Ihe cnndulldniulll or plnlllled unll
JC'icllll\IIICI.1 IIlltl cUlIstilllCll1 I!oculnrlll:!.
,
I
6, J'rolccllllll ur I.CIlllcr'.. Hil.:hl..llIlhl! I'rllpr.rly, Ir IImlll\Vcr (IllIs 10 l't't(UllIllhr: Cl)vcnl'lnls
nllll ;'1:rcl:ttlcIlIS clHlI,1Iuet! ill IlIl, !i(C,,,ily 11I~1""nt'lIl, or Ihell~ i~ n Iq:illl'llIcr.rdlnr, Ihnl rIIily 5i~lllficAnlly
n(fel;1 1,,(11111:,', rl~ltl:t III Itll~ 1'11'111'11)' l~ul'h n~ II I'Wl'l'('llilllt ill h;llIkltll'lcy, I'wllillr, Illr etlItlJI~ttltll1lit)1I fir
,,, 1~1I1t1l' r I.' I'" IIA tit ~UlI11'1\I111 . "II' llnlll,l.
,A/II'I.III
iOU! t:!f.? tlCl Ilr,r,
~I<im",,, rA't
ludclllllll!' 1)111) rlllltlll~ 'nwI IU le~III11lltlll,),IIII'III"lIllrt III.1YIIII AH.lllllyl." whnl~~rl II 1I,t:r.""I'1h, pllllrd
11111 vlIhu~ IJII/u! l'llll'r.lly nil" l.L'Uih'I'ft tllthh hi 111ft I',ullrll'f. 1IIIlIq'. ,,~II'ml III'Y In~h"JI:' Iln)'lll. A/lY'"III'
ua:lllrlJ Ii)' "lit'll ",I.h.h hn'lltlllllly IInl Ihlt :in:llIlly 11I.lll1l1lrlll, 1,,,)111# 11I~llIllIwe IlIrlllhlllll, "1'II,nllllllll
rllllll, PlI)'IIl'1 ll'n.lllIllth: nlhJllle)',' h~eft ,,1111 rlllrdlllt IIlllh~ l'I'II'~II)' IIIIH'I\.r. 11'1',1111, Alihlllllih L~llIlrr IIIny
1.I\.e 11l,;lhlllllllJCt Ihl~ IIMIIUtnph fl, 1.1'1111"1 111l~1I1l1l1 h,,,'c h, iI., 611,
Auy /'llllUIIIlIt Ilh11UtlC11 hyl..~IIIII" 1I1111a.t Ihl!! IIlIInl'I.ll'h (, .11il1l htTIIIIIC ~IIIIHllolIlll ,Ichll,f lIuttuwcr
M'L1l1nl 1I'f Ihlll tiCl,;lIdl)' 1111111111111'111. UIIII'II' 1I111111WI.:I 1111111..'11.1", nllll'C III 1I1I1I:t 11'111111111 Iln'flllflll, Ihuo
UllIllllllh J.llllllllr'U1 luleu'lIl lIullllhe 11,llal III IIi~hHlllclllellllll Ihe ..ih' ~d /111111111 Ihlj Nlllt If II~nllllh'll hy IIIW
111,1111111, ulllll: h'llhc~1 1.lwllll ,;tlll 111111 /,h,11I11i' IIoI)ullll', w~lh lu" II \1, "11111I IIltl...c 11111111 "tiller 1I,1I1111llWCl
ICJIIIC$lill'I"'Ylllrlll,
" 1115'1(1.:1"111. l..1:l\I.'CI lit U. "ltlllmny mnke ICllMJIIIILJIl! t'lIhil'lI IIpOIl .11I' 11I~llccllolll ur Ihe
1IIIIp(II'f. I.r.lltlcr Ihnll ,I \Ie IIn"",",c, IItllkc !lllhe !lUll: !If 0' I'llllr hI UII h'~llcc:111I1I Il'tdr~I"C tC:R\llnnhle
o.;l'IIlle lur Ille hlllN!dhm,
II, Com't'lIl11ulltlU. 1 lie IIIUI,.tcJ, uf nllY n"'I1IIIUI o:Inllll 1111 11I1III/I.:r., Jhc:d lit rumr'llIcnllnl,
III cUlIllrr;llulI with '11)' cOIllJcIIlIIlllhUl ur IIl1u~, Ink III I or ,")' Ilrulllr Ihl! 1"lIl1cII)', ur ror CQII\lt)'.IIC1 IlIlIcu
uf CUIIIJcIlIlIAlluII, lilt herehy "..I,n<<l 11IIJ ,hnllbe IllIhJ 10 LC:lIJer nlloJ nl'l'lIclI lu Ille IIIIIIJUIII .ceultll b)' Ihl.
ScnrUy huhlllllClI11 luhjc:t:1 h, Ihe ICIIIII uf nil)' ,clllm 11I0I11:ollr. t/t:nlllr IIml Ilr 1Illltf 'rC:lIlll)' 11I.II\IIlICIII.
^IIY UC:Clll will he Ilnltllll Ihe (ICUIIII. Irl:nlly (,lIlillnll.. II,
If Ihe 1IlUI'clly I, nhnlUlulU:d LJy 1I1/1I1I"'r" II' If, olk, ,,"Ikl' Ioy I.cmlef 10 JllllfllWC' 111111 lht'
l."l)lIdCIIIIIUf olfeulu IIInke all nwrmJ ur .clllt:" dllllll "Ir o.]nllllll:tl, lIulllJ\\'Ct Inits II) IUI'OIlJ In l..('lIoJer \.\llIhl..
30 lIn)'~ nIle, Ihe Ilnlc Ihe nul Ice Is SIvCII, Lel\llcr b AlIllllllltcd II' colkd 1l",luPI,I)' Ihe plUCt'to.ls , AlII, uplhJII,
cllller Iu 1C5ll11nlll)1I or rrl'nlr uf Illc 1IIOI'elly IIr II' Ihc 11111I11 sct:llll'il lIy IIlb SUlIIlIy 1IIIIIIIIIICllI, whc:lhcr ur
lIullhelltlllc.
U.ilclI LeIlJcr nUlJ 1J01lllwcr ulllclwl~e Acree III WllIl"UI All)' ApptlCllllulI Uf,lfO(fuh Iu f1r1ncllllllhlll
1\1,1 ulrll" or "UlIPOIIC Ihe due 1I11e uf Ihe fIIulllhly Ilnymellll rdclfe" hI 1III'IIrngrtll'h lor clllllle Ihe 'mount
uf'tlch IIIYlllclIl.,
9. lIurrnwtr Nul IhltlLud; liurlJt'lIf1U1te II)' l.tlltter N"t II \Ynh'cr. 1:J,lcnsllJlll uf Ihe IlllIe
fur I'nYlllclI1 ur lIIuaJlllcDllOlll or nlllo,t(rntlun uf Ihe .UIIII 1I::(lIrr,1 h)' 1111\ 5c:clIIlIy IUlllIlIlIClll 8Jl1111w hy
Lemlcr 10 IlIluuwc:r ur Iu an)' lucce..ur III Illlcrul or UUI,UWC, .hnllllul "I'Clnlt: III ,d'Dle Ihe III1LJUhy of Ihe
o,I.:llInl (JlIrtowel' ur UlIIlll\llCr'l IUettlSon III Illlcrul. lClltkf ~h;lll lIt,l LJe rt111lhcII II) CUllllllcnce
"JUeced"ll' t1,nltUI IUlY IUCCtlllur In 1"lelcll IIr fcruse 10 t'klcllIJ limc tu, pnYlllclI1 ur olht:rwhe mulllry
IlIlllulllnlllJll of lhe .UIIIS It.cll,co.! lty Ihll Sccutll)' f"~hlllllclIl II)' Il:n\II.. or nil)' 1lr.II11\IIlJ mlllle b)' Ihe utlalllnl
U",ruwer or lJulfo\Ycr'l luu:euonIn InlCltll, ^IIY rull,c:ttnllce II)' l.cuder III uClclslll1: 011)' rla:ht ur rcmetly
IIhnllllllt he n wnlver ur IIr Iltt'c1ll1lc Ihc c.u:lI:lsc IIr nil)' IIa;hl ..r ,clllcd)'.
'0. SIIU(',"!UIl!' rlllll ^,'!\Inll~ Illlllllll; Jltlllllllll' SCHllIl U:lhllilJ'i Cll.SI~ll(..r!\, '1 ht~ tIlVCIIAIII.\
IIml nli'crlllClll~ uf Ihlll 5ec.ull)' 111..lllllllclIl ~h;11I hi lid III1tI Ilcllclillhl" Sll((n~lln 01111 oHi~r" uf l.r.ullcr Ollt'
1101111I\'1'1 ^U"jl'c1 1IIIhe "llIVbill"" IIr 1""ill:l"I'" I" (II'. IJ"I'""l'I', ntVl'lMlIl'1 iHl,IIII:Il'('IHelll. ~IIiIU he 111illl
nm'lIevctnl. ^"'j Uotluwcr will' cu,,11;1I5 IlIis SCI:ulily 11l~ltllHlclIl hili tIlle, lIul CkCC1lle lite NIJI~: (n) 15 (I).
siJ:llinJ: IlIh St'curil)' JIISltlltJIClIl ollly Iu IlllHI,n~el glillll nnd CtHl....cy Iltal IhHlllwcr', inl~rc~1 ill Ihe Ilwl'crly
Ulltltr Ihe IUIIIII ur 1It1~ S~clllil)' (11.~11"I1ICIII; Ill) Is ItIlI pr.tWllillly IIhlit'lIh:t' hI fill)' Ihe SlIlIl' 'Icl.;lIIclI hy lhis
ScCuril)' 11I~hulllclIl nlll.! (e) nglee, 1I111llclltlef nlld AllY ullll:' IJIIIIII\\'I'r IIIIIY IIn'CC III Ulellt', IIIOlllir)', rU"H~nr
IIr lIIake AllY nrelJllllllUlJntlUll1I w'llh ICgll1l1 hI Ihe h:lltl~ uf IIlh SCl.:lldly IoI\lIl1l11elll 'If Ihe Nllle ....llhnlll Ihlll
Uorrowcr', CIIIISCIlIIIlo.! ,...llhulII IIU~fChy 11I11'1Ihlul: IhnllJuIIUWl:I", I,hliJ;'llllIll,'IlIlId Ilnhilily he,ClIlldt:r,
J I. 1.111111 Chllr~...!', rr lhe IUllll ICtUI(oJ hy Illh SCClllily ImltlllllClI1 I~ ,"hjcd lu I Inw 01'
IC&:"'I\II'III ....lIklt 11th IIlnklllllll" Illnll t111"gCS, Amllhnl law IJr 1t'""lnllllll Is lilllllly IlllI~ll'lelcll 110 Ihot lite
lulcrc~1 or olllcr IlInll r1ln'lIe. tollech..tlllr III be ct,lIeell'.1 I.. (1I111..~dlllll wilh Ihe I"ntl uucJ lilt' pcrllllllrJ
HIIIII.', IhclI; (II) OilY .lIch IlIlefest 11l1l/llr IIlher IUAII ChlllgU Shilll he mll.(cd lIylhe nlllollnt lIetrunry 10
fc:t1l1cc Ihe 11I1t:,estll1lllm tllller Imlll dlm':!:1I lllllll~ 11l.:llllillt'allllllil; llllll <It, IIIIY ~1I1l1,\ AIII~;tlly cullnh:l.! hUIII
Illllrllwcr whlc:h c.tutlctl perllllllcLllilllll:l will he ,dumlC:t' 10 Ih'''IIWCr. l.el1tlt'r tIlAY clll1n~c III make Ild~
refunil "'1 ,rtllldllll,lle 11,llIdl'lll UWrtllllltlcr Ihe Nuh: or hy Illilkillt: n dl,rd pll)'IIll.'lllllllJullu\\'cr, If n ,cfUlItl
,clltle.:" I'lilll:ll'nl, Ihe ICIII/..:IIIIII .....illl".: IH'j\h'lllI~ n II1Illilll f11"1';lyltll:1I1.
11, N"lI(...~. ^ny nulkc 10 Uurruwcr I'ruvhleo.llhr IUIIlI!! Sl'clltily IIlSIf\ItII~llllhnll he Rlvell hy
"c1i\lcrill~ illll II)' IlHlllillJ: II hy litsl cl;1~S 1I1,1il unleu nl'plil'nhlc '''IV lI'IllliJc~ U\e ur nnlllh~r melhotl, 'Ih~
IIUllc:e I"nll he tJhe.:lc'" lu Ihe I'wllcrly ^IhhclIl ur 1111)' olher A"'I"r~~ JJuIIllwn Itc~jl:llnIr5 lIy llulil'c hi '-emll'r.
^"Yllullcc It, Lemlcr IIh.,lllJe ~Ivell "ylinl cf;'S~ III nil 10 I.cllllcr':lAIldll.'~,'I 6lilll!'tl helrln or nil)' olher ntlJrcu
untJer Ilcsl~IIo"IU by IlIIlke 10 IImruwer, ^ny Illllite IIIIIvidct' rill illlhi, ~I:(lllily 11I~ltlllllt'1I1 ~hlllll'c 1/(,(,III\'d
In hnve [)ccn glV(,1I11I lJurrnwcr ur (.rllllcr whttll:ivt'1\ nil IIIIJVjlll,tllll lids plllill:laph 12,
bOOii 1:~r.2 IlL! Hr,r,
rA IU/lIIII rt.'I1'1I "All! ~IUItHIMjl!, AlI.'lIllIlltll
rMilIl".'
~1I;UI6.'lA 'A'l
'J. Hij"l'llIllI~ 1,11'''1 ~I.'.'rlllltlllly, If Ihln ~r(lIllly ht~lIl1l1lrlll h II ~nlJlUllllllIl~ly 1I1011,:11l1c 1I11l'
Ihe U11&:llIllI11tllldl'lIl III11IIUIIII/( Illl: Nllh: I. '~U,tUIIII It"u, 'I:tlrud IlIw 111I11 11Ii1l1l11 I,ll''' wllll!lIuIlIlhe
IlIh:Il'~II,llu dIMl:tllllllllu: Nllll!, lIillnwl\I!, Inll'lllll,lw, l'rllll..)lvllllill Inw II/IIIIIIIY IU~i,ll,lW Ihlll '1'IIIIc,
III Ihl:! 1111I~ft III whhh Ihl:! 1'111111'11)' I, 111~nlul "ill 11I''':f11 Ih" :ir~ullly 11I'1I11I1U:III lfr.lr.1Il1 loIw 111111
IlrllllBh'llllln 11Iw wlllllhiJ flll\lrllllhe: lulrln.1 11I1l' dUIIl:r,loulhl:! NI/lle Ir rllhrl Iltr. ulIlhlolll"llId'llll 1IIIIIlIWl
u, 1Ile'Nulc cuwh ',~II,tAA.llJ' Ihl, :h'~lIllly 1/lIIIUIIle'1l1 h b 11l~llllllIIlly 1II1I1II:Ufll'). Inlhll cVt'lIllhlllllUY
jflHvblulI III dnll,e: II' Ihl. ticlIllily 11I\ItUlIllwlmlhe Nllh: ":llIIlIId~ w~lh "1'1I11I.:nllle Inw. 'IllII l.:lIl1lHcI Ih,lll
11111 nllr'" IIlhrl jllU\'hlnm III Ihl, fin.llIll)' IUAhlUHl'lI1 III Ilu: Hille \Vhkh ..1111 hI! Ilvell rllnl ""lIhl.1I1 IIn:
C:llIIlIidlllU 1111,\'1,11111. '11' Iltl... 1'111.1 Ihe 1"11'1.,11'11111' lid, Sn';1I111y ImlllllllclIl nml Ihe Nlllc ''II: IIt'dlllrJ It, he
IUCIIIIII..:.
..., IIntnllu'tl.. CIIIIY. Ihlllllwl:r nt~lIlJwlcllgrl ,ccdpl uf IlltlllllWIIY II, n "'O/lrUIIIII~IJ [lIIIY IJ'
lhe Nllh: 11111.1 II' Ihll SrcIIIII)' 11I11lulIICIII,
15. 5111t IJr Nuh:ll:lIllH&:C "' tllllll Sl'tvlfl:t. 1 he Nole IJr n 1l001llllllllelcslllllhc Nule (11J~rlhcr
wllh Ihll Securlly JmltIlUlwl) 11I11)' he ,IIIJ 1I11!: OIIlIllIC III1U:1I W\llllllllllllllt 1II11h:e hllhJIIlJ\\'CI, A "nle IIIny
11:11111111 n I;hnll~e 1,,1111: elllll)' (kntJWlIll" lhe -1.JullI !)cnh.:.c,-) Ihnl clllh:t;IIUlIllIlhly "IlY"ICII" tlllC ullJer Ihe
Nllle DmJ Ihll 5ceu.lly Imllllllle'lIl, 'lhclI: nhlllllllY be Ulle ur 11I1110 ..:hnlll;CllIr Ih..: Llllln :'icr\llctlllllltlnlrJ
I.. 1\ lule ur Ihe NIlII:, I' Ihell: II n ..hIUl!:c "' Ihe IJ.MI Ser\llcer. 1JllllUwcr willi".' 1:1\'1:11 wllllrll 1IlIIlee ur Ihe
cltnllge III.cconl.lIce wlllt IllllllJ;'"ph Illlho\ll: lIt1d 1I111'II[1\hle lnw, 'Ihe 1lI111t:1l wlllllllh: Ihe 1II1111e III1J nJdlcu
ur lhe IICW Lo'UI Se,\llcel IllIllhc ndllll:u lu whldllluYIIIl'1I11 ,.hllllhl he IIIll1ll', 'I he lIolkt' wlll nl~lI C:III1I,tlll
nil)' ulher IlIrOllllnlloll ,clllllted hy 1IIlPIl~III,lc 11Iw.
HI, Jln',lIrt.llllls ~jllh~lllIlUS, lIullowl:r Ihnll 1101 cOIl,e UI I.tllllll Ihe lI'e'll'Itl'C, IlIe, di~l'llsnl.
Ilurll~e. nr Iclt.lIe or PIIY IIl\lnlllllll' Sllh~hlllC:U 1111 IIr III Ihe 11'lll'clly, Ihllll,We" IIlnllllul till, 11111 nllllw
nnYIJIIC che IU Jo, PII~lhlllt: nlCtdlll# thc l'I\lllClt)' Ihnl II III \lhlhlllUll II( nllY I!II\1hOIlIlIl:lIlnl Low. 11tc
IU('cwllla Iwo ,Ienleneel Jhnlllllll npply "I Ihe I',uellt'c, II,C, II' JllllnW." ulIlhc "'IIPC,t)' o( IlllnllllUlIlIllllcl
1'( IllIr"'llllII, :)ul,,,lulII.:I" Ilwl lilt; l!1'11~" illl Y 11'(11l:1I11.l'11 It I Ilc ttl'IIIIII'III.ll' III 11I1111I111 I c:~llle,,1 inl lI~r~ 111111 III
1II1\llIh:llnIlI:C ur IIIC l'wllClly.
1J0"f)W~r ..lIl\lIlllulIllllIy Cl\lc Lendcr wllllell lIulleo ur 1111)' 1II\I('SII,"llulI. c1nllll, dtllllll\lJ. 111\\111111 ur
olher uclh," ll)' AllY 10VUIIIIII:Illal or reilllllluIY 'I:CIICY or 1'11\1010 I'nlly Ill\lulvlllllhe "wlltlly and Ill)'
IlnU\ILllIlI/l 511I)1ln/ll:t_ or l!nvlrulIlIll:lllllll.J1w "' which Umlowcr hn. GellIlIl klll,wlcdgc. If Iltltll,JWtt I~'rnl.
lit III 1lIIllljr,1 lIy nllY ~II\1CIIIIIIClllul m 'l'/:III.IIIIIY nlllhlllll)', Ihnl 1111)' re'"l1vnl In IIlhu ,clltetliullOIl ur nllY
IInu,u'III1' SUIIlIl\IlCe Il(rrellne Ihe l'Iojlt.l)' Is IIcrtllnry. l10fluwcr 11I"III"UIIIIIII)' lakc III ncrru,")' Itlltt'I'lnl
bcliuns III pcculdlllce wllh I.:lIvllolllllelllol L,w,
AI "Ie,,", I.. Iltl, "'AIARlnl'll 1(1, -III1II1I1JUIII 5ululnllee'" PIC IIl1ue ,,,llIllIlIel:l lldl11td III Iiulc ur
hnWltlull. lollllnned lIy 1,;1IVilIJIIIIIClllnl l.nw 11111.1 Ihe rullowllllt lulnlllllCl:lI: &lIu,lllle. ktlO"tllC, !Jlhu
nllllllllUhlc u, 11Ille 1ICll0lcIIIII "lUdIlCI~, h'lle I'cUlchJtl nml hClhlchlel. \lulnlllc lul\lI:IlI'.1II3h:rlnll (I)IlI,lnllll
n~he!\lm II' (IUlIIllldc:hYllc-. IIlnl rndilHlI.:Ii\lc mlllcll"I!', ^/l lI!'elllu Ihlll Ilnllll!r"llh Irl. -1!1I\'illlllIllCUI:l1 L,w"
IlIto,..S (cllclnllnwl nUlllllws or Ihe jllll~tliclclln whele lhe 1'llIllclly Is luculed Ihnl Idulc ItJ he'illth. sn(ely ur
cllvlrlllllllt'lllnlllflllC:IOllulI.
11, Lcuder's lUJ;hh Ir Ulltrout't Fnll, In 1<(,C:llllrllllll~c~ nUll Ai:Ht:Illt:1I15. HillY orlhe e\'ents
or condillulIS describe..] Illluhl'lllna;/i1l'hs (^). (U), (C). (0). (l:J IIr (1=) u, IId~ I'nrnl:lnph 17 shllll t)ccllf,lhell
(i) i( Ihe udl!htnl ptlllcil'nl IIIl1Ullul lIt Ihe: Nllle uc:t'l:ill"l S~O,OOO, Lcmle, IIlny Ir.'lujec Ih,,1 1I00111wcr IIIIY
illlllllecli;lld)' Ihe tillite IImOllll1 IC"ljl~IIII1' ullpllrd ullller Ihe Nlth: 1111I11111.. SCI.'lIrily 11I511\)llIl:lIli IIf (ii) If Ihot
ulil::lllnl ptilll:II'i11 OIlIlJIIIII ur Ihe Nule Is ~,~U,IXJO IIr less, lender, nller t:ivilll: UlIItIl\.lo'cr timely IlItliC:1: IIr
Ullltuwer', rl~hllll (1I1C II!\. h Iln:1I H'll'liH'tl h)' "1'l'lil'llltle III\V lIInIIlIlIlIlWer'" ',IIhIlC III ellle wjlhilllltl: lime
lIedutl ,'<<:1 (",III III IIIc:h 11I,1iC:1:. UIAY Ie'lllllre Ihlll UrlltlJWI:' I'ny IUllucdklldy Ihe I:llllte n/l"Htlll ,elll.111l1IllZ
1I111111lt.llllldcr Ihe NIJIC nlllllhh ScclIIlly IIIIIIl/tIICIII, '111111 rell"irelllclIl \\'111 he culled .'lIltlleuinlc I'n)'lllC~nllll
Ilull,"
If Lellder 't'lultes 'mllledl.le 1'.Yllltlll 1/1 Irull. '...emler IIII1Y lllllla II Illwsllil lu Inkc .WI)' III or
Uutfuwcrs ,clIlRlnlng fl~hll III Ihe I'wltt'ly audlu hn...c Ihc Ilrl'II(II)' suld. Allhh lille lemlcr 0' 11101111:'
!,enon IIIny Attlulle Ilu: 1"I1I'Clly, lhlll is known as -fou:cltUlIlc dnd snit:." I( tlte I'IUcceJI or Ihls snlc nfe
IlIslIHlc:lclllln 'CPllY U:lltla:r Ihe 11111111111111 due hll.rmll'r fWIII Uultllwer IlIIJcr Ih~ Nllle PIll' ulIJer Ihls Stcudly
1IIIII11111CuI, ll::IIIJe, Itlny, III Ihe c.alt'ul 11111 lilllllell ur IIIUhlhltclJ IJ)' hl\Y, ulllnlll b (flUII jullA/lllenl nLl'nlllsl
lIn"uwcr Ill:flUlIlllly ru, Ihe dHfl'lClIrC beh\'CCIl nil nmuulll.~ IllIe 'tum IInlfllwer UIlI/U lite Nolf. nlll' Ilti~
,l)ccu,i1)' Ill~hUlIIl:llllllIJ Ihc slIle I'wcct'L1!'. lit nllY 1;1\\'11111 rUr '"lcell!'lIll: 1I11t' slll~, Lellller \\IIIII>I\I!: Ille II~hl
ru cI,lIet:! nil ell", 1111I' e:"I'I:III1Cl1 IIr Ihe 'IlItduSule nlld In Ie nlloW.:tl by III\\" This IlIdudn nllorncy's (CCI
lIud cush o( IIUe uhlcllc:e 1'1:'lIIll1eJ h)' Itules II( COllII. nlld Alh"Ill:~)"" rcr.. (0' hllukluplcy I""ccellillrl
(1lIcludiuK er(lllls IQ mOlliry or \'lIcllle IlIlY nUlumAtic llny Uf IlIjllncliun). All such 51/1115 ~$ IlIny ((WIC due will
be St:J;UICJ It)' Ihe liclIl,r lhb Sccurlly 11I~II\II11CItI.
l.rllllc, lII;IY 1I:lllIite 1IIIIIIcllble "aymtnl III FlIlIlI"der Ihh 1'IIt:l~'''l'h 1'/, H:
(^I
II l!'l tllll~; m
llulIu\\Iu rjlil,~ Iu IIl11h nllY p,lYlllenl It'l"iled liy 111l~ Nllle ur 1111.. Scc:urily IrI~IItIIllr.1I1 whcu
e'cioit2G? rm 857
,^ I IT//lHI I 1~lit) I" II! MIIII ruM III ' ^' t: 1I1V1/9t1
1'''lll! . .., ~
Mlillllt'fA rA,'f
1I1) li.ul~lllI thllM! Illllltlltl,lh(~'\ III Hhh II Inlrlnll,lw ulhl'lwl~1! p'II..hln. nllllr llll)' 1~,111 or 1111:
PI"prl'I~,1t1 1lI~)' Il,:ltl III tlm 1'1I'lwlIy, h ~"IIIIII 1IIlIt~"'llrd \\illll~lIllJ:lh"'I" plh., \Vlhh:III'IIIIM:1I1 (IHI II
Ihlllll"'I'1 l~ Illllllllilll~IIIII'I'IMIII, II II lu:udid.ll jllh'II'~IIIIII'"I"I'YI'1 1\ ~lllol III 111U1~ft~ltr"J; In
(C) 011 1I111'1I1.lIhlll ul 1.r.1II11'1, h\lllll 1111111' IU\llll'ltll t t:IIHIPllllll" llu~lurll h) lJu 11I1I1/lI~u 11111..:
Malr: In whlrh Iha l'IIII"!Il) h 11Il'IlII'lII"'U\'~ h, h.III' 1"llidl" IU~IIt1llllllll: 111111111111(_ 1IllllllllplH...rllltllh utllh.;
1'1111'1:11)1; lit
OJ) Ih.llll)Wl't '"lh iii mll~1I nil)' l'''ymrlll trlllllt'lllJ)' .11)' .,..Ia., 11I1111"".,. t1utJ ur huU III 1I11t~t
nl;u,lty 1IIIII\IIIIrlll rltl;lIt11[,t:tlllij 1)1 Illh~t;lhlll Ihe I',upt:lly, IU IhHlI'....'l:r Inlh II) kU11 Ill)' 1I11\1:r 11111111111 Ut
",:u'ctllCIII III DII)' ICfllm 1I11111111l1\I!, "nOLI 1,1 It 11M II' ulllln ~R:l'I"lt)' 11111111111I1'111 elll.'IIIIIII<<:IIII" ur 11"1'1:1111" IIle
l'IlII'i'lly; Ilr
(I!) lJIIIIIIWt'I rllll$ h, 1":1'11 nuy IIIIIe! lllllllll"e III "1l11'~lIlelllllllhl, Sl:I.:lttlly ItllltulIlrlll \\ollhllllllll
illite lei (1IIIh, ur If ItItllllle Is IIct hH11i 111 th~. !)ulIlily ImltuUll.'rtl, 1111:11 wlthfulltc lime lei rUllli 1111/11: 11I.IIkc
Ie III It) IJIHlI)WCr by 1...c/llJI'I; I"
(I;) Any llol'lUrHlnllll1l IlIlult: ill lur"'tttnlllJlll!I'Jl'll III 1.J.:mler Ity lhllll)wrr III ctlllltcdhHl ""lIh
UUIIUWC,'I Al'l'lIcnllult (lit Ihe liMit eyhlrllull lIy Ihe Ntlle II fnlror ur H1lslcilLJltll III nllY IIIAh:,IIlIII:IIl'u:l.
"
III. ^J~lllIIlIICtll lIT HCttl.~1 ^P/tlIIHIIIICtll ur UHrin'''' I.ctlllu III Ifus~u~llItI. All nJllilhmnl
ICCUIII)' hrlrumlct, 1III1I1)\\I<<:r hr,eh)' lulilll. III l..ellller lite 11.'111. uf Ihe Plllpe'ly II) Ihe UlclIllhnl rrull 'lie
11111 helll': cuI/relet! by tht: hllldl!l ur nlt 1I~~II:IIUlI:UI ur '1'11111 \vhlt;h hilS plllJllly IIUt Ihll Sr(u,hy Imh\,HIIelll,
lllllylllel' IhnllllllJr III IIretlelnllllll hell:llr III 1,IUIIIIIOIIIIII'III fir IIle I'UII'I'I')', 1Jllllllwe, .lIollllllve llle IllIhl h.
Cllllrcl "III1,cllIllI sudl ICIII.\ n~ Ihr)' I""WIIIC IIIlC nlull'nyuhh:. 1,11'"11 ncu..lcl,Hlnn hrll:ur ur nhnlldulltlltl11 (If
IIle "wl'e,I)',I..cl1dcI, III I't'UOIl, II)' "l!l'..111I h)' judldrllly npl't1IIlIl'tI,c~'dv(,I, IIhnll hI', cull'lnl hi tlllt" "P'III,
Inke I'II/lSC5SI,," ur 1l1ltJ IllnwlCr. lilt' l'IIIII"lly IIlId III (11111:1;1 Ille ,clIllI ur Ihe PlUpell)' IlIch.ltJllIgllune pA51 due,
^II'I,:III.' t;lIl1cdt't1 It)' IXllde, III nil' IfcdYn IIltall he nl'l'llcdllr~IILllln)'tllell'llr Ihe ('I"I~ IIr IIlnll:lnClIllml u(
Ihe l'fIIj1cll)' Aud elJlkdltJl1 or rr:~III., 11II;h/lliuC, hul 11111 1I1l1llctl lu, Icedvu's ("rs, p,clIIllIlItS Oil 'rt'clyu'l
hultllll n/llJ ,cnu)unhle nllutllt:ys' fees, 11.1111 IIlcn lu tile sUlIIs.celllcJ by this Sct:ullly 'll5hUUlcnl. ^ny tecclver
shnlllJe lillhle lu n1:cuulIl unl)' (or lhose ftllls IIdllnlly ,tcd...cll.
19. ItclClI:'lC. Vplln 1'")'11I1'111 ur nil IUIIIU ~c(ItJCII Ity Ihlll Seclttll)' 1IIIIIIIIIIU:III, l..clltler .hnll
IBnltol&t: 11th 5c(llIll)' InslllllllclIl wlllllmt dm'l;e III 1J1Ifl1lWl:r. 1l't1IIIWCr 1\'11011 po)' oIl CIUlllUr fccu,dnllulI,
Ir nny.
20. Nu CllIllII ur CnaHl (ur 'J'lI,H!.s. 1J0Huwcr will 1101 moke Jctludloll (roltl Qr (IAlm eretlll un
Ihe 1'r111c1llnllJr Illlclr/llllCelllctJ II)' 'hill SC(1I1i1)' 11I1I1I1IIlIclIl Ity ,1"0'''" nr nil)' r.llntlllll~II'olln.e., PlIICll'Hltllls
IIr dIlUJ:I'Il. 111.11111\\1'" wllllllll dllhll fillY th:Ju..:lhlll r,UIII Ihe Inllllhlc valllr I,/r Ihe 1'lIIl'ell)l h)' lellsoll or Ihls
Sccutily 1115l1l1l1lcl1l.
21. JIlIt'rc,~1 Hnll: Artl'r JIIlI~IHCIlI. lJoffo\\lcr "Cfees 1/1111 Ihe lultlell role IlAynhle nner II
jUlJ~ItICIlIIII elllcrc..! unlhe Noll! or In nil Aellt", or UloltUAGt: rOlcdl15Ure shnlll.Jc Ihe ,ale IUlledlnlhe Nole.
11. HIder!! (u Ihis Sct:l/rit)' IlIslnllllctll. Ir um~ lit 1I10lC tl1lCI5 Me UCClllCIIlJy lIutlower ItlllJ
IC(lJIilt'I' luedhcr wilh Ihis :Jel"lllll)' IU~I/HIIICttl, lite (lIVeltonl., 1l1lt1111!1l'CtlICIlr.. O( em:h lIudl ,ltler shllll he:
IUCrlll'lIfalc.lllIllI omlllhnlllllllclILl nm! ,~III'j1klll~'1I1 Ihe covC:Hunh 1111I1 nl:IR:Clllellr, IIr 1111., Se~'lltll)llllllllllmclIl
liS Ifllic rldcI(~) \I,'CIC n flAllllr 11th S~(ttdly ImltlllllclIl.
ICIII:(k "1ll'lIcnhlc lJOl(CS}J
[) ^djllslnhle Unlc rUder U COIIIIIIIIIIIIIIIIII Hhler U ,,~ 1'lImlly
IULler
0 (J,otJuAletl Pllymenl IUlIcr [) "Inlllled UIIII [) IIIweekly
l}cvelujllIlclllllldcr rlAymenl
Itl~er
[) Olhet(.) ((11,celr)'1 U Itn'" hlllllll...lutlenl tJ St:&:I)IlIJ
Rltler lIum.lll~er
bOO! t?n? fACE 858
,^ ISflml1rt'llI!U"^'lI MI).UMOl!. AlCIIO/lltH
f'AtJOSDfl\
Mnlllll~A rA'(
IN W1TNH55 \Y11l!IU!OI'. lhlllll~\il:f hn'l'.lrclllrlllhl~ t.hIl1r.nCt:,
Willian:
_ttif.___'!tI_a~,Uk '
~ J.;L~ /),..,/,;/!---'
(/~iYt!JL/4)~
~_lllll ,Ht;~U.WIl . _, Ih"",wlt
, l;.z,7;i.ic.,(J,.,.cJ. 1;lt",d'LlI..iV-_
llatr lei.. 1\. McCIJIom JJIJIJUWlt
'hml)wlr
Ullffu\Vcr I
I hlt,b)' celllr)' Ihftllh, IHul.e ndl.hcn IJr the unllrr (Mull,nlatcc) lu
~OIO RILler R.4~, Bulle 114, tloch.nltolluIB, I'll 170H
Onltchnlr Qr 1111' L.c:lIllcr, UYI_l'UIIl Keru LII&Lt-_
Till!!: Urfllllo:!L.ll.9.ll1!Jttr
Cumberlllnd
COMMQNW~IIL"II 01' l'I:NNBYI,VIINIII, Cuuuly.o:
Olllhlll the Olh ,by lIr Hny
Inl, ^ Notary llulll1c
fll'ltenreLJ Chal'hlt Hr,CQwn nnal r..tl'lc;ln ^. McCown
ktlllWlllu llIe (ur .nll.(I(h.ully IHIIYCn) lu he lhe Ill:t.un(.) wlluu, 1II1II1C(')
lublcrllJcd II,} lhe wllllln IIl.ltum!:lIt nlld acklluwleJ,oJ Ihnl theY
1I1I1ItJUU hllleln CIHllnlncll,
, I?~ b.ro,.
tilt 1I11lJe, .I!lllcd ulneer t ,,,rIQ"ltlly
'I
iiiI'.
ucclIlCaJ Ihe 1l1I11e rur Ihe
, ....+).}...~;;'.~.:I"" '
1~.."':~"i\:t~h'a~\~~'.'~'~'I.: "
,~::l~ ';': '\ilL~.;" ,V;'! '!'
,....~'" ;J"l,. ,..
.,t .: ,', .' ", ': 'Ii ~'. ~,. \
""",'" ..,-,
Ii "I't"'~f1i.!",,/,_:,.'I~""
I ~ II., t:" ,..; t .',,,;:.11'" }
. i, t ,~ ' f.', ...;b', l" ~fl '
;. - '::'.' ".:.,"':.;. ~':~";,./.-:.~_..
.IJ.':..t.:J.....t;t:(\~r.,~.'..". ,/
"\:l!.,:,:t.tIY,~..~.!, r'...; .
. "'~/';~'::I~t:.,"" J\,;',
, ".. -., . ~,~':
My cOlllmlallun Ultlru:
1 -~
NOTAAI'L SEAL
'AOBEJl,./', SUMIlVRV, NoIIIIy Publa
Low-.. Atren, Cumbtlrfand Coo
.Mw CvI'H.lIl1icn E.JQI,. t'Drft 7, ~7
, IIFI'EllllECOIlIJIN<J IlETUllN TO:
^lIInnce PlIfIl,JlIl" CUIIII'Jlny, " IJlvlston IIr SIIIIC:rlot Dnnk lrsu
135 Chetllntll Ithl~e Iton,1
MUlllvlIlc. New JClftC)' tr1tj,I,~
AlIlI: lt~coraJcd Ullculllelllll lJel'l~
"
, '
.'
'ii
"
'!
booi 1211? r~Ll 11&3
r" Ismfll) tL'Cl!lJ .....lfl MIJ.'IlMJU. ArCUlVlIUt
rMIIl'''''
~lUnlUA 'A.'C
........-...........-...._.._...,.
...-..........,.
,...., .
",
"
,.
"
,
,
i m m )
II }JJBl
:ll Ifl
~ f"i' !l
I i " Uhi
j~ "
~
/)
..
~
, :rt
I" ,
"
'"
"
...1 Pen"s, :VOlllI } 55
'IV 1.'1' Cumbll'dnd'
~1'Id In lllO 0"'''' 10f 'hi recording of 0'"
'l ,,od for Cur ,l)of"pnd countyr!1 . ,
':"""" Booi\ll.1 ",I -::"_ POgO:;:"---
.,'1'" mv hind "I'tl~""l 01 olflc. Qt
".,1,.10, PA Ih~.::-: doy "'d~~'r )"
~~~r'-'
"
-
,
c.j,
_.. "0_. __ _~.:. ~:
11M ,LOON N 0'1'1 ,;
Hili 1'11'1,11, I'hl'W'NI' I/tHlI.1I '1111:; 111111': I:; ~I/IISl'hNllhl.l,l' 1;/lFh'll,/l TllhN TIIF
111t1.;vIOlJ:-i l'A\'tllHII:i. \'Oll (\11/:,1' 1110.1',\ \' '1111', I',NIIIW tINI''''', 1'llItiClI'AI.IIAI.^NCI'; OF
TilE I,tMN ANU UNP^,U IN I'HO,.') r 'IIILN Iltn:. '1111.; I.HlIJl':U I~j l/tllll':U NO OIlI.I(i^'IION
Tt.J IlIWIN^NCI~ TIII-; I.tMN ^ I' "IIA I' 'IIMI';, \'utJ \\'11.1., 'I III. II I>.H Jltl':, liE IIFIJlJlItI'1I TO
M^I(l~ "A\'MENT OHI' OF UllIldl MISI', I S TlIhT \'011 MA" OWN, lilt YOl! \\'11.1. 11,-\ \' I-. TO
'tlNII ^ U~NIHdl, Willi'll f\IA\' 111-; '1111-, I.f-NIII.;1t \'IHIIIAVE 'I III!. I.lMtl \\'1111. \\II 1.1.1 I'll; '10
I.m'w \'OU '11m l\HJNI'.\', IF \'OI/IU'.",NMH:E '111I.'lI,or\N AT 1\1.\'IIJIlI 1'\'. \'OlJ 1\1,-\\' II,-\VI';
"" I'A\' :lOMIr. 011 ALL 01' '1111-; U.tI~ltHj CW.-IS NIJIIM^I.I.V ^:-;~t1C1^'I'ltu WIlli ^ t..U<;w
LohN linN II' VOll Olll'hlN /IH'INhNClI'H; 1'/I0~llllli ShMI'; I.I(NIlJo:/l,
HIH.:hAllll;lIl1lJaIJ
I'LNNWI,YhNIA
us S 17,220,00
.._~!!Y....!'L.J1Jj_ ___ ~...
Utlr:
b~ IIILI,SUU-; 1:IIICI,E, fc'MW 1111,'., "^ 1"011
(1'llIl'l:lly ^,hh~..)
I, f101t/lOWlill'S 1'llOMISE 'II' l'hV
In rclu," rllr. lI,.nlllnll hn~c Ic(rl~rd. ','llIlIIhr: lu 1111)' U.S. t2!_'~~~. '1 (Ihh '"Ulllnl I.
tnth:..! -prlnclpnl.', II/UI IlllclUI, l'llhe ulJu "' the Lcnder. 1 lIe ullIlc, h ^lIlnllce trumJln.: COlllflllll)',.. l>lvl.hlll of GUlle,lur
Ihllk IISlJ, I umJcnlllllJ llt.ltlll: Lender II.,,)' "I"ller Ihls Nute, 'I he l..r.lIIJu or In)lIJIICl will) l.ku Ihl, Nuh: It)' 1I'IIIIrtr .IIIJ
who I. tnlllled 10 r<<t1Vt 1"Ylllclll1 U/lIJU Ihi. Nulc II Cllltll Ille ""'hJlc lIullle,,"
I, IrHliIlliST
,,,lell:11 will he chnf!:c.lllllllll= 1I1lI'nl,II'llm:ll'nlutlIU the rUllllllll1UlIl Ufttlllll;lllnllllll heth flnhl. I will 1'11)' Inll:lcll nl
. yend)' nlll or 12. 'J90 ,"" 'lllr,ul will be dllu,r..l Hllllllhe 1'!ludl'lIl hn. hun IjnILI In full.
1'he Inl~I~II ule .rllulmJ IIy Ihll 5nlllln '2 II 11Ir: lille I wl/lll/ty hulh herll.. .ml "net .ny tJd.ull tJue,lht.J.ln ti~dhJn
Ij{l)) Dr Ihl. Nole.
,1, "hVnmNTS
I will rny 1,.lnc1Iu\lllnt.llnlelul hy IIInklH(! pnYlIll'nls every IIJllnlh. lEnch or",y 1l1111l1hly Ilny"u:nll, uctpl ro, Ihe nllld
fl'ymenl, will be III Ihe 'muunt Dr u.s. L---.!'?l....'~.~.. ____' Anuml". ,II Ichtt.lulw I"Ylntnll Dr
1',llIdl',1 'lid l/lluel' lie IlIIL1e Oil Ihtl, due daltl, Ihe Iinnll"'YlIltlll will be U.S. $ 60, )~~,))
I wlllulnkc "'y lJIonlhly pnyrntnls lItl Ihe _~ tiny or uch 11l1l11lh hcclnnlllG 011 JUNE 12 .
I?~, I wllllllnkc Ihue I'I1Yllltlll1 every 11JI1lllh unlil__tl^Y IJ . _' _._---2~, 1111 which LID Ie I
will r"y In rllll,lI orlhe rel11alnlul f1dndpnl, 'ttn/tll 1"ltfUI IlId Iny oIlier thnreu, L1tlcdlJtll htluw, Ihnl' II1IY owe ollll~r
Ihl, Naill, Unle" IIflpllCllhlo lAW 1',uvhJea IIlhrlwin, 1III1I1YUlttll' will lu! llPI,llell firal 10 ntUlItl1 ftllll ulI"Alo.I Illlelut 10 Ihll
dAle.,( f1nYIII~ul 1111I1111., ,tlJlnlmJc" Ir lillY, In Ihe 1I1l1'1lltll'dudl'nl hnluun:. ^IlY IlIle chnl&:cl, cnllu:tlnn cmh 1111I1 C:'I''':II~l.'ft,
1.1I.1I0"n,e'" (h~(k dunce I O/ll.ll'DYUltllll IIIDJ~ hy IIII! Null! Ih,hll.'r In t'1l(mcc Ihl, Nllle omllo, Illl1lulrl.'l IIle Nula 1I1111h:r',
Inluelll under Ihe Seclldly lrull\lllIcnl (01 dttitl~J In S(~'lfulI 9) wltlltlt IIUtu(11 .cpnlolely.
J wUl hl:1ke my II1Qnlhly l'aYlllenl! Itl
1J5 CIH'lIlnut IHLlp,e RI,niJ, Hllntvnle, tlJ 076/j~
- -
_, !lr AI I L11t(cleul pl,nr.:e Ir fCfpllml by Ihe NlIle !luMer.,
~, 1I0IlIl0IVE/l'S /lltOlI\' '10 I'IIEI',I\'
I 111m: Ihe rlj;hlto IUllke jI,'YlllenllOr I'rinciPill OIl AllY IIl1le lll:(urr: It.~y DIe lIue. ,^ I'ny,"enl or jlrlndl'AI Dilly Ir knuwn
AlII -1'U!l'nYlJltnl,-
I mny IJlnke I rulll'rejlllYll1elll ur I'nJllnll'll'/l,'Yltlt.l1ls wllhlllll I'nyll1(: IllY l',tl'nYllIenll'ellnlly, The Hille IInhler will":
"II! 1111 or illY I'r~I'nYlllell!s III ,elluce Ihl.' AWfUllllur IlrinclPill tlll1l IlJwe IIll1le, 1111, Nule, Ir IIIlAke I f1Mllnl fllcpnYll1tlll, thefe
will he nil chnll~c' III the IllIe L1nle~ IIr nll1ll1lU!s II( illY JIIonlhly pnY"lc.ll1 unh~~1 lhe Nule Blllller n!:rcel 111 w,III,,&: In IlIou!
cllnnl:e", Eltepl n, p,ovlded III ICtlin/l " Ihe Nult I/nhler tMIlS nllY fllel'llltl 1i111111Ce chnq;e 11I1 the lime Ihe Ion II I. mmlc nm'
M Iln,t or II will be ,erUlll'tal Ir I pny In rull nht'lHI or Ichu/lIle,
5, tOhN CllhItGL~
I( "'aw {lr It&uIAtlon, wllld, "l'pliu In this 11)~1l Inti whkh leI, mn.hllulIl "1"11 chorReI, I, CiMUy Inlerpreled '0 Ihnllhe
Inlc'e~1 or fllhcr IlInn c:hn'l~CI Cllllccl~tlnr III he Cl1lledc" In Clll1l1cclilln wllh thl~ 1111111 e/lceel!I"e pWJllIIIClllilllil~. thell: (I) OilY
Illeh Inlcrcsl nlllllQr olher lunll c11:"~cs ,Imll 11l~ rCllllced hy 1I1l~ n1l1l1ll111 IICl'C'Sll'Y lu reduce Ule IlIle,..:,' nnd/nr IIlher IW11I
clln'I:u Inlhe l'erll1illed IImllj nnd (ii) lIIny 1111115 n!rtnlly (tllIetltd ('lItJ1l1le wllkh cHcellttll'c,ll1lural Illl1lh will he rerllllllcll
Illllle. Tile Nole 1IIIIder Ulrty r1111mc lu 111i1~e Ihh ,dund Ity rClludllg IlIe I'rlnclllllllllwe II11LlI.!' lids Nllle nr hy llwklnu n L1ln:c.:I,
I'(llmentl" me. Ir 0 fcrul1lllcIJIJO::S pdlldjl;ll, IIIJ Icdllt:lllJl1 will Ill: hClllcl1 nJ n I'llflllllllrel'nYUlell1.
6, 1I01lItOWL/l'S I'hILU/lE '1'0 l'hV hS IlE{JUlllEIJ
(^) LAle CliMer., rllr OVeJlJlle I'lIytllenls
Ir lhe Nole IlohJe, hns nlll '(ccl~t'd Ihe (ull nrllollnllll nllY IlIlInlhly pnYlllcnl II)' Ih~ end or nncen (15) cDhuulll' LIllY'
"rIer the dnhl II Is tIlle, I .....illI'IlY n l:ite ch,'r~c hi Ihf. Hille lIuhlr.,. The nlllllllnl fir Ihe chn,ce wIll he five ptrctllt (~~) ur
lilY IcllcllulcLl f1;lyulenl ur pdndjllll and Inlcft"I, I willl',lY lhl~ lule ..:!lfHI:e III0lllplly IIllI only once on fnch In Ie pnyment, ^"Y
':11" (IIM,C willlte III DtldiliulI 10 IUlcltSI 1111 lit.: 1111'11 ulIl,larlllilll: Ildudlllll (0' rnch ,lilY Ihe: l'nYtlltnl Is Inle.
r" '.11I 1I\lI'ft 1l0,11ll/1S' 1l~1'1I ~"'1' "" ."0 1m II! . ",.:
'11' rrr IIN"tI,
rAIIIIIIll'1
1fI/lI!ln"r""
'(1I111d,'1l11
III d., 111)1 P,IY !Ill' lull 11111'111111,,1 t.ldl 1I1111111.ly jI.l) 111I'..1 nil IIII' .1,11,. II " 01,"" I \\111 tJr 11111doll,II, lr I 1m III Jdl1ull
IlIld 1I1l! 111111111,11 illlllrI,"11 ~UlOIIIlI,.III.h /1I1111 1\ lt~", \\II,n." II.., H,.II' 1II/I,I,~. IllolY lI"jlllu' IIII' III IMY Iml.....II,.llly till: 11111
hlfl',.j.II'IIIIl'I.,.1 h,.l.lIl'" 1'1111 IHllllI,ll1Hd '11I1'.11,1 '"h'II'" 1..,,1 "IIY IIltll'/IlUlltlfllh 11111"111\101' IIlhln II,,, Inllll. lhl""~~tr.lllllll
'HI'iIIlUll'd'ldl'.11 n..t1ll1l1lltl III)' 1111111 I. '~II,I)')J II. I~'H, nlld 111m hllld,llItI, Ihr fI..h' Ilul.It'1 ""HI'l'lft! IIU' II WHltrn IIIIIIH:
IdllllU lit. 11','1 III.hl nul jllIY IIii' II~rl""r 11I11,1111111,1,.\ 1""lIljllnll"~I' 1111" "'1"'11\1" I.)' 1l11'.I,IIIlII,Jh' IIIIl ti"II' 11'IIII>!I IUd.
lI'lllIhlllnC Ii, puy 1lIIlllr.llillrly II..~ 1111111111'.1111',1111 '1'..1 bdl,IWC I'hl\ H'llur'I'Hhllj"I"ll.'llIlrIClllllllllllI~ IIlh1'l IIIIIIIUIIII IlhclI
I'\"I! 111111" Ihl. /111111. 'lh,llllnll' IUlllll.. 1.1 h','IIIlI.I..)'~ nlh'l 11.1' 1/.,1,' UII \\III,h 11.1' 11.,1111' I'IIIIIU"I h, llll! III," II I, lUll
1lI..1I>!11. llJ 1111)'1 IIICI III~ ,I.'h' 11I1 "hi. II II l~ .101i,,,.,,',II,, 1111',
(I.:) H'I WillYI" II)' tlu'~ II.~I<I~I
Ihl!tl II, I' " 1I'lIr ",hrll I Iltl llll/dllllll, 11'l! NIII!! lIulllL'I I"'" 11l111"PII'll 1II1! II) JIll)' 1IIlIUtlJ/a1dyl., full I' tlrt~'t1hrll
nhll~e, Ihe tlule ""hlr, \11I11I 111I111l1~t II..~ IIllhl IIJ il" '" II I IIHI III tlrtlllllllll I lalrl 1I1l11t,
(DII~A~Hlrllll)f tlllle IIIIII/tl" l'II,I, IIIUII;ll'l'mt~
Ir I,lrlllull, \oIl'lIl:III" UI IIIIIIhe Nulr IllII,It'1 1'111 Itlllll,.:11 me: hi pay 11II1IIrlHalrly III 1111111 LJu.albr.J Ihllllt, 1111 NIII.
I/I.hJt, will hll~' IIle 1Ij;111 h, he llnhl lJol[k 1'1 lilt Itll nil ,," II. &:11'11 nllll "/lClUU III t!lfuII:!nll !l11I Nole IIJ Ille tU'"1 11111
I'lIlhlhllrll lIy nlll'lk.hlt Inw, '1IIlI~t !'April'''' 111I hlltr., tll, r:UltIl'lr:. trlUUlllllllt: 1l1i1HlltYI' fUI /lUlllI1lhlhlltll hy lltlplh:nhh:
I.,w, I will nh'll.a~ I c1lnti:e ClC $IU/lIIIS IllY nduulll.lllk l'hnq:rl h'r rod I IUdllllllllt.J ditch. tlnn 0' olher IIIUfllHltll11Ullt11
"y lilt III IID~IIICllllltl Iltl. 1111111,
"
'/, W VIM<; 'IF NlIlICI':S
Unltu IIpplklhh: l>,w wpdlrs . \.HHw'ullllr'lltlJll, nllY IIl,lktJ 1111111111161 hI! g/vrll IIJ lIIe uHIIt:r Ihll th)le will hc "lvrll
lIy .rrll~tlllla 111)' I,y IIlnltlllll /Illy IiHI dIU UlillIllI 1IIr: nl Ihe I'llljll'lIy ^.JIIIUI .h')"'1: or II I JIHtlt1l1 .lhlftlllC I Elv~ II..:
th)le 1Illldu. IIllIIc~ IIrlll)' .1i1le.l:tll'I)./,l'u.
^IlY tllIll.;c II.~IIIIUIIII" ,l~rll III lite tllllr 1I1l1''':I 1IIUII'I lid.. NilII' \...1/1 lie ,Ivtn hy IIInllln# II h~ finl c1nu IIInlllu Ihe
flule HIlI"c, nlllle .dlllc.. .lnlcdlll r,:l:dhm J IIll1ne III .1. "'"eII!HI nlJ,JItU IC I '"1 ,Iven . '1lIllu or Ihnl JIU',ClIl _dtl,UI.
II, 1I0ItltU\vEll'S \V^IVEIlS
I wllve IllY ,1111111 10 ,r'loltt Iln: N.He 11111".., hIll" It.lilln IlIhlUI, 'lIullc Ihlll&1 Ill': CM In JrmllllJ l"ymt'lIll)f Imull,,11
Jlle {~1l0WIl.\5 "1'lru:nhllrlll.)i (IJ) 11111...c 1I.lIke Ihlll nlllllll"l. due hnvllllol hrrn pllltl Ck'~U\YlIlll -lIlJllc:e ur aJhhlJl1u'-)i (C)
11I1I1I1nl" nn uflidnl ullllicolllJlI or Illlnl'nymtnl (~'lllWII nl n "jllnll'sl"), ^"y"ne t:1~e (I) willi 'aru, Iu krel' Ihe IllOflllltllllnlle
I.. lid. Milk, III (II) ....,111I n!:Il'r~ I.. IIIl1kc 1',,)'1111:..1. III lhe nulc II"hlcr If I 11.1110 ~Cl'11 illY 11'llllll~c. IImll:, 11111 Hille. IIr (III) ,
W/1lI II,... 1111. Nuh: lulUUllrl'f 11111 JIIIII':1I1I11 rl~c ("II..WII nl "l:HJlfllllhl... 11I.c1It.:., nllt! clId'IIICU.), 0181' WnlVtllhue dijhll,
" TIllS NO I'E (OVEllEIlII\' A ~EClJllIl \' IN~TIIII~IENI'
^ SrclIIlIy 11IIIJlllilcIll uf C\lCIl d,lle C/lHlliinilll: II 111'1[/11'1111I1 fir lilY 1t1.IIIIIII'C'I)' l'I'llcd. Iht NIlI, Iluh'rr ClIllll "1I11/hllt
1,ISlc. which Itd~I.1 11111111 If I,I.. 11111 ~u'p 1/.., 1'1111111\1.'1 \.\.1.ld, I 1II111.11 III 11.11 tlul>!. 'Ihl. Nullll. 1C(lIIC" Ioy 111111 .~r:tlllll)'
In~I"lllIC..I. '111;11 Stcltlil)' rll$""Hlrlll.J'~'[Jil'>!llllJW 111111 !llld>!. Whllll"lIIl,lillllllB 11I1lI)' he '(''lUlrtl' hi Hln~e IUlIlIClllula! I'il)'/II(III
III rllll ur 011 nHlllU1I1s 111.111'1\\11' \tmll" Il,h NUIC.
Ill, ItESI'ON~IIIII,'T\' OF I'EIlSONS lJNIJEIt nlls N'l'm
If II10le thon nile IlellOll II/tlll Ihil NUlt, roeh ur UI II rully DIlII ptllllunlly ohllculctl 10 I"'Y Ihe rull 111I011111 OWtJ plu,
IIle chor&u IS dC5cIUmJ In Std/Olll (j(A) 'rld 6(1J) 1m' It) ~UlllllI u( Ihe I'loml.u n1nJII' In IlrI. NlJlC, AllY IUnnn!lJr, IlIrely,
ur endnrlcr of IlIe Nole (n. tlr.tllll,,' III Srl.:llllll 8 nhuvc) II nhu ,,"IIt/tlh'lllu tlo IhUt Ihlll&I, '1Ilf Null! I h)hlcr ml~ IllIr",CC
lis ,1,hlll/.uJu Ihh NUll! nelllllll ud. ur us Itllli~ldllally nr ni:lIln~1 nll..r us lnj;elhrr" 'Ihl. 1I1ellllllhnl OilY UlII: orllllllny I~
f1:qlllleJ lu I'"Y nil or Ull~ IIll1rj\IlIIs IlweJ ulliJer Ihi. Nllle,
All)' l'elSlltl who 1,1ku o\lrr lilY 1I11'I" IIr lI"II~QIIIIII' ulldcr III Is Nul" will hA~e Il/lllC lilY dEIIII Ind 11I1111 kctllllllllr lilY
Plomlses IIIAde 11\ Ihil Nult!, AllY ptfll)/1 \\II", lilkel ClVtr Iht rlelll' fir IIhlli:nlluIlIO( II /:urulIllhU', IIlIcly, ur e....'ulul or Ihh
NIJle (ns Jcrocdlu:J In SediuII 8 IItJ;I~C) II ph.. uhllGIIll'lllu hql ullllr Ihe I'romlses IlIqde III Ihl, NUle.
II, AI'I'L1CAIILE LAW
'1111. Nole I/Inll be I:flVtlneu hy Ihe ',HVS ur the ClJlllnlllllWcllllh IIr Pelln.ylvnllhl nnLl allY nJ'I,llcnblrl rt'llcrnllilW, flllhe
elfelll or. tOllllicl lu:lwun Iny ,,'o~lljnll uf Ihh Nllle nllll any (tclernlllr Penllsylvallln Ilnlllll!, IIIIY In reaulnllnnlll crh:cl ns
ur Ihe tllIle fir Ihis Nule, Ihe Ilnlllle, lAW or 'CJ:ulill"'lllllllII cllnlwllll the ealcttl ur 1111;11 cUlIfllcl tlmllhc r:lIl1l1kllllij plovlllllll
(olllollled In lids Nllle Ih,1111ll: Wlllllllll crrl.:I;I, ^Ilnllll:r IIIO~15IuIIS or lids Nuh: wIll relllllln (ully err~cllvc DIIU cnftllcrllhlr:,
WITNESS TilE IIANlI(S) ANlI SE^L(S) OF TilE UNI?k' 1~1}~O, /J (#tttJ
CUfU./:(,f." {jJ6t.<.JJU (5.,,1)
Chnrlan McCown -Uo,.uwrr
4b;.~-.tl.' ~t.: &U-v (5.,,1)
(;.~lda ^; ~lcCown ' -Uunowcr
(5",1)
.lJorlOwer
--'--~-'--________(S.nl)
.n,,"UWClf
.
'^"III ()V~1I110,llllilSr n',,~o MIl! "'IIMIt! ~1111!. All;
"01"1'1101'1"',
rMlllllH'l
"'1"1611',0, rAil
'1'1110: L^'"
II , " , f"', ~ ,"
------------...-..-.-. .
(;UII'(;()U)' ,1''':.tIW/IIN
I C you i1tl;ond 01 filce-to-fllce lIIootin'J wlLh thl.l londl.ll:',. 01:'
with () COIHHllllel:' credit counseling agoncy idollti f lod in thin
notice, 110 furthur proceeding5 in lIIortgagl.l COI:oclOBuru lIIay take
place Cor thirty (30) days aftor the <Jato oC Lh,lt IIIQut.lIl'J.
'1'IIe nallu~ alld te.Lepholle nUlllbor of. Lhl.l t:<!pJ;(!lwnLaLivu
i5: Mark Abbott
'l'elEJphono Numbor: (1-800 451-l093 oxt. 60'/2)
'I'he 11 a III" (13) llnd addross (e5) of the daui<jllilLed consu/lll.lr
credit coullBellll<j aql.lncy (io<l) is (ar,,): /lllU i1u.i1cll"d
It is ollly nec"osary to 5chedlllu all" [<Ice-to-Caco II1l.letillg,
You should advise Lhe lOllder illlm"diately oC your lllLentlons.
If YOll havu trl,,<J and are lInable to J;llsolvl! this problom ilt
. or aftor YOllr face-to-face lIIe"tinq, you lIilV" tile rLqht to apply
for fillancial assistallce from the /Iollleowncro' 1::lllor<Juncy Assistance
fund. In order to do this, you mllBt fill out, sl<jn and file II
comploted /Iom"owners' !;lIIergency ^Bs.lstancu ^pplicatJ.on with tho
Penllsylvania /lousing ~'inanco Agency, The conBumor credit
counseling agency will assist you ill flllill<] Ollt yoor application.
It mUBt be flied or postmarked within thirty (30) days of your
face-to-face /IIeeting,
You lI1ust either mail you applicatioll to Lh" PCllnsylvania
Housing finance Agency, or you must file it at tll" office oC one
of the deBignated conBumer credit counselin<j ilgencios listed
above.
The Pennsylvania /Iollsing finance ^goncy is locilted at 2101
North front Street, P.O, [lox 8029, /Iarrisburq, P^ 17105.
Telephone Number: (717) 780-3800 or 1-000-342-239'1 (toll freo
number) .
An application for aSBistance may be obtailled from the
lender, from a consumer credit counseling agency, or directly
from the Pennsylvania /Iouslng ~'lnance Agency.
It iB extremely important Lhat you file your application
promptly. If you do not do 50 or if you do Ilot follow the other
time periods set forth in. this letter, forecloBuro may proceed
against your home illul\odiately.
Available ClIndB Cor om"rq"ncy JIIorLga<jo assist"lIco <Ire very
limited, That will be diBbllrsed by the Agency lInder Lhe
oligibl1.lty critoria estilblished by tho ^ct,
(15) Guid"Ullll !Joano CunL(!~
MilnCluld UlllVlll:nlty
Miln/lf1uld, p^ UjlJ:l:l
1-000-332-6'/10
('117' 662-4214
Oradford, PotLu!:, :llll11viln & 'l'iocJIl countriGIl
(16) John H. 1{'lnnedy Centor, Inc.
2021 ~ast 20Lh ~treoL
ErJ,e, P^ 16510
(014) 090-0400
Crawford & Erl" Coulltrics
(17) Lycoming- cUntoll Counties
Commission for COllulIunity
Action (S'I'EI:')
1221 West 3rd Strellt
P.O. Oox 1320
Williamsport, P^ 17703
(717) 326-0507
cUnton and Lycomlng counties
(18) Neighborhood Development Agency
5935 Ogontz Avenue
philadelphia, P^ 19141
(215) 549-2344
(19) Philadelphia Council for Conununil:y
Advancement
1701 Arch Street, Suite 304
philadelphia, P^ 19103
(215) 56"1-7000
Chester, Delaware, Montgomery and Philadelphia Counties
(20) Shenango Valley Urban League, Inc.
Housing CounBeling Services
39 Chestnllt Street
Sharon, P^ 19146
Mercer, Crawford i1lld Lawrence counties
(21) southwest Germantown Community
Development CorporaL ion <,
5003 Wayne Avenllo
philadelphia, l'^ 19144
Philadelphia County only
(22) Tabor Conununity Services, Inc.
320 South Duke Street
Lancas te r, PA 17602
(717) 397-5102
Chester, Lnbanon, & (,ancaster counties
,
I I ,
,
, ,
, ,
, I
TilE 1.,\\\
~_~ _.'. !~! _.'._\_. ~_'u__._.__n_____
(; H/,;r;/ m)' J.~' ,I NI )I,I/V
If you nttulld 0 fncll-to-facu meeting with tho lelldor, or
with iI cOllsumor credit coullselillg agency identified ill thia
llotiClJ, 110 Curthor procoedillga in mortgal)u foreclolluro may take
pli\\~n for I.hlrty (30) days aCtor I.liu datI' of Lllolt muotill<J,
Tho 110111I0 and tolupholle 1l1lm1Hll" of tho reprelwlltatlvo
Is: Mark Abbott
Telephone Number: (1.-000 451-1093 ext. 60'/2)
The lIame (s) and addr"Bs (os) oC the desi.gnated conBumer
crodlt cOllnBeling agoncy(le:J) Is(ar.,,): Bee attached
It is only necossary to scli"dule one filce-to-face mep.ting.
YOll should advise the lellder illlll\"diately of your. intentions.
If YOll have tried and are unable to reBolve this problem at
or after your face-to-face meeting, you have the right to apply
for financial i1BBistance frolll tho Ilomoowners I t,:mergoncy Assistance
Fund. III order to do this, you must fill ollt, sign and flle a
completed 1I0meownerB' Emergency ^sBistance Application with the
Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will assist YOll in filling out YOllr applicatioll.
It must be filed or postmarked within thirty (30) days of your
face-to-foco meeting.
YOll mUBt "Ithor mail you opplJ.cotlon l.o tho Pennsylvania
HOllBing l"inance Agency, or. you mUIJt fl Le it at I.he office of one
of the d"signat"d consumer credl.t cOllnsoUng agencies listed
above,
The Ponnsylvania 1I0using Finance II'J"ncy is located at 2101
North ~'ront Street/P.O. 130x 0029, Harrisburg, l'^ 1'/105.
Telephone Number: (717) 700-3000 or 1-000-342-2397 (toll free
numbe r) ,
^n appll.cation for assistance may be obtilin"d from the
lender, from a consumer credit counB"ling a'J"ncy, or directly
from the l'ennBylvonl.a HOllBing F'inonc" ^goncy,
It is extrem"ly importollt that you file YOllr application
promptly, If you do not do 50 or if you do not follow the other
tlmo periodl) Bot forth in thi.ll letter, CoreclOBlIre may proceed
againBt your home immedIately.
Available funds for emorgency rnortgaCjo assistance are very
lImited, Thilt will be disbursed by th" Agency under the
eligibility crltnrlil "Btabl.iBhed by tho ^ct,
OIIOFFICEIWPWINIjILEAD'MCOOWN,AN5
Oclobt, 2Q, 1097
~.:lt'I'\IIICA'I'E 01/ SEltVICE
. "
AND NOW,lhls '1/.dny uf t)t!lJ:!~ 1')()7,1 hereby verilY Ihatl havoeauscd 1I1n10 and
correct cop)' or Ihe foregoing OcrendmllS' ^nswers 10 COllllllnlnlln Morlgnge Foreelo_urc 10 be plnccd In Ihe
U.S, nlolI, firsl elm, poslnge prepnld nnd nddrcssed as fullows:
Orogory Jnvnnllnn. Esquire
Lnw Offices or Grcgory Javnrdlnn
44 Second Slreel, Suilo 203
Soulhmnplon, PA 18966
, '
,',
,~
,
, III
I
" "
,
'I:
"
"
I "
I ,
'I,
"
,
"
"
I, , ,
1;1
, "
, n l~ l'")
1\ ". 'II
:1'; ,~ '.;J
,,~j.i:;., ").. ,\11
, , " t},:t,: I .,<::
I
,. f....". ,- '\")
C-
" 'J111 ".) ) I
'r,:: !~',,' lQ
~.,'I ,.."\
7',C', , -', ' .!;: )
, S' (') '-(? ,:')1 \l
, . .~ ~,! ,: ~,,'
, , '1 <~ '.11 ~
, U)
, ,
,
,
"
, I
,
I'
'I
"
, I
"
"
, ,
I,
I I
'I
I.
'I
, I
"
I
I
I I I
'I
r'-; 1..--1 "
.~ , "
',~.: il
"
r !
I I
II I
III
,I
,
, I
,
I ..i :.),
,', ~..,
, I, ". "
,
, , I
, , I!
, ,
" " ,
I,
, "
.,
..
." "
I, ,
, ,
I'
"
I'
'I
.'
, '
"
I'
",
i;l
I I
,I
"
, ,
,I
~ ~ ~
~~ ~. ~~
IIll", I \~
..,.. .1' t~
" ;;:.C':j A~
....,
:r:p ~
, f.? N .7'1,
., CJ
:i~ .. ':t
::2 :J1 ~
, C)
"
I'
"
"
"
"
, ,
"
,
LASALLE NATIONAL BANK AS
TRUSTEE FOR AFC MORTGAGE
LOAN ASSET BACKED
CERTIFICATES SERIES 1995-3
UNDER THE POOLING AND
SERVICING AGREEMENT DATED
6/1/95 SERIES 1995-3
v.
CHARLES MCCOWN AND
PATRICIA MCCOWN
I
I
I
I
I
I
I
I
I
I
I
I
IN THE COURT OF COMMON PLBAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 97-4685 CIVIL TBRM
IN REI PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE HOFFER. P.J.. OLER and GUIDO.~
ORDER Of COURT
AND NOW, this2,~tday of April, 1998, upon consideration of
Plaintiff's Motion for Summary Judgment against Defendants, and
Defendants having not filed an answer to the motion, submitted a
brief or appeared through counsel at oral argument, and having
filed an answer to the complaint consisting only of admissions and
general denials, and having not produced evidence of facts in
support of any affirmative defense, Plaintiff's motion for summary
judgment is granted.
JUDGMENT is hereby entered in favor of Plaintiff LaSalle
National Bank, and against Defendants, Charles McCown and Patricia
A. McCown, in the amount of $84,758.35, plus costs and interest at
$26.59 per day from August 2, 1997, until the date of judgment and
legal intereB~ thereafter.
BY THE COURT,
;J! r ~~ c
" :i< VI
~ ~~ ~
3 a i~ ~
~
~ !
. ~i ~
~ ,. I
" " U~
I r., ':1
~, I : ~ ': ) :.
I, ..i I 1",1 '.
~ II ,I, t~ ~n~
ro'.
l ',. " .~
. cr. . ~
t: ... !-
,() -<~
, " .~: ~J $In
.' "
,., ~~
..r.
, r) ~o
, [-;
o. r"
c- '.
c. ~!
:\.1,' ,. :"
/' 'lilt ~O
-<
11
~. ':. tJ . ';i p ~ )>
'-. -.. ,., ! ~
J".
.. 1- C':: "l~ 'p
.. I " ~{5
,1",\5. I
~.. - ., L._. hl
~
I
t
~I
"
~
~
;J! ~
"
~ ~
3
w
co 2-
~
,'"
;:
~
'"
co
'"
~~ c
if ~oo( ~
!t 6C1l'V
a ",~ 5:
Q. "'1Il'"'l
~ lie I'
~ a~"
~,::: ~; a
r', :;; 1 ~~ ~
,;, !~i
r" ,; ~
t- . .
.' .1' '~4 0 $~:n
',-: "::1\ ~ ~
..- ~ .: () :::! ;;l
':. t'J -
r. "" !1
, _~ 0 ~ 0
01~~ )~i
I('i.,~( :: :'0: ~.. Ii
\ \ ': c C)
'I' r
~I
-
"
if" Y 0 l>
."r ',. Sill" :::
3. p
~ 3 ~ r
,-, i
~ ~ 2
.~ - ::.c "
~ iI. 5
n c: I. ,~
r - ~ ..
All,. fththll'.U111l1ll1pr
I)' malO' pUII.g. Inti
pU1I1 1110'" ill/lUlU. 01
~::'!'"'''' I,,, '7)"'"'1
\ ..>
V.~J'9~!-"\ ~!~YJj;L~. C~RTIFICAn .OF MAIPNG
MAY HE U5W "01' I)OMUillt.: .AM) l~jfUIN^110""^l MAIL. 0015 I\or
p"tE~I!-?E~~!~~~~~I~NC [ -!~~_~.~~~~ !.'_~. _ __.... __._____..
R.t.......ul fWIII
The 1.111' (J ''t',,:,.., .,1
-- -+--,--- ._-_.._-,-(jt'e-o~""';o---J-~'~~n--.-___
4,1 SI:cf);ld ~ I 1";'. ,.; , ::1)3
--~- -----. ----+Sou~7Ji1i;T;r;:fn~"G\-r~---
,
, .
On.. plllc. ufO/dlll.'.- mIll ,tILI"Ulul 10
~1UjL~~
~~ ~4~~!JnMb_
- _ .filll-f&.J'1JII
PS Form 3B17, M... lBBB
. u.s. GP'O:IIU.JU"OII1UIO
.!
'i
,
'"I
I :,~ I
UW1
Arrh, 'ee hit. In .lamp.
or m....'er Jloireqll .pd
pOll mark. U1'NII. 'of
POllmut., for"'c~".nt
I ,(f\~:, ,j) i
. I )'" t;,) '" J'
I'r (Jl ~ -' '.
,(') ,
'C". \'...
.).,' -'I ":Y'"
.. 'V''':;-'~ -- ,y--
..... "JI '.:...
~. POSTAl SE"V'CI ~J;BTlFICATE 0
MAY BE USED FO~ DOMESTIC AND INTERNATIONAL MAil. OafS NOT
PROVIDE FOR I~~URANCE -P05TMA5.TER
RIUI...lld F'1l1fl
The Law Offl(cs or
r;"~"''''''1I Y""""',!
44 Second ~il I':!:~ ~!' ~OJ
hi I.. .~'..d I
".
One plec. 01 OIdin.'Y mIll .da,.sud 10
~) ...-
'.,,/
,":r
',\
-.
:i
,
I, :1
:J.) tYJ ff171 0(1. f cf fJ I i{J.r', (JJtJ{o.;u.
- ,
Iy.OO 5p'~ 6e.1d..u1 S'frat
~~f-~13J2D
I,:
I I
\'! to'"j
\'~!.L., :;
~ ' \
, ,
PS Form 3B17, Mo,. 19B9
1...1
-U.J.GI'O:I"I.J12..08/ll4D ~~
_0.... ,r;
OF MAILING .. AWl' fee her' 1'5 ~I.mp.
· POSTAL 'E".Y!il- CERTIFICATE ....~, In.,,, po".., ."~
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. oq~s NOr-. -' '/(p'a~.~ mark Inquy~ 0,'
PROVIDE ~OR INSURANCE POSTMASTER I ~ / )POlfmDllet lor C~I nt
"""".F,o," TIll' I.~\V C""h'C<i "I' 1:;:,(,<:'/' ',. /J~l':r(>- ,;\
\, VI ,1
(.;,~ ',\ 'Jl \~I " (I. ,
4.1 f ~~(~~d ~'t !"I"..:, :-:03 ~lj~\:\\' ,'. ',,' -:
-----s1..,~Hlh:r..:,t('t1, J i\ 1;'1 \,6 --.
One Pi"" III Old,no,)' nlllllUdlUllt.t to
:fud.6:odd.i.tJ..iYJd.SI...a.ran ptdA II;
_~~X-
-ij:diJL1it.:i~tJL1:Ji2S5
PS Form 3817. Mar. 1989
.n
:; I . t.
I"
I \ I ' '
" I :> I'"
I i
" ,,, \
I "
:J I ,
. . . ~ .
\ .
,
LaSalle National Bank, As Trustee
for AFC Mortgage Loan Asset Backed
Cortificates Series 1996-3 Under
the Pooling and Servicing Agreement
Dated 9/1/96 Series 1996-3
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
97-4685 CIVIL
CHARLES MCCOWN AND PATRICIA MCCOWN
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: CHARLES MCCOWN AND PATRICIA MCCOWN
82 Hillside Circle
Camp Hill, PA 17011
Your house (Real Estate) at 82 Hillside Circle, Camp Hill, PA
17011, is scheduled to be sold at Sheriff's Sale on WEDNESDAY. SEPTBMBBR 2,
~, at 10:00 a,m" in the Commissioners'e Hearing Room located on the 2nd
Floor of the Cumberland -County Courthouse, 1 Courthouse Square, Carlisle,
Pennsylvania 17013, to enforce the court judgment of $92,123,78 obtained by
LaSalle National Bank, As Trustee for AFC Mort9age Loan Asset Backed
Certificates Series 1996-3 Under the Poolin9 and Servicina Aareement Da~
9/1/96 SERIES 1996-3 against you,
NOTICE OF OWNERIS RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1, The sale will be c~~celled if you pay back to Gregory Javardain,
Esquire the amount of the Judgment plus costs OR the back payments, late
charges, costs, and reasonable attorneys fees due. To find out how
much you must pay, you may call: (215) 942-9690,
2, You may be able to stop the sale by filing a petition asking the
Court to strike or open the judgment, if the judgment was improperly
entered, You may also ask the Court to postpone the sale for good
cause,
3, You may be able to stop the sale through other legal proceedings,
You may need an attorney to assert your rights, The sooner you contact one,
the more chance you will have of stopping the sale, (See notice on page two
on how to obtain an attorney,)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND .1QIl
HAVE OTHER RIGHTS F~EN IF THE SHERIFF'S~E DOES TAKE PLAC~
1, If the Sheriff's Sale 1s not stopped, your property will be sold to
the highest bidder, You may find out the price bid by calling Gregory
Javardian, Law Offices at telephone (215) 942-9690,
2. You may be able to petition the court to set aside the sale if the
bid price was grosslY inadequate compared to the value of your property,
3, The sale will go through onlY if the buyer pays the Sheriff the
full amount due in the sale, To find out if this has happened you may
call Gregory Javardian LaW Offices at telephone (215) 942-9690,
4. If the amount due fX'om the buyer is not paid to the Sheriff, you
will remain the owner of the property as if the sale never happened,
5. You have a right to remain in the property until the full amount
due is paid to the Sheriff and the Sheriff gives a deed to the buyer,
At that time, the buyer may bring legal proCl:!edings to evict you.
6, You may be entitled to a share of the money which was paid for
your house, A schedule of distribution of the money bid for your
house will be filed.bY the Sheriff on october 2, 199B. This schedule
will state who will be receiving that money, The money will be paid out
in accordance with this schedule unless exceptions (reasons why the
proposed distribution is wrong) are filed with the Sheriff within ten
(10) days after october 2, 199B,
7, You may also have other rights and defenses or ways of getting
your house back, if yoU act immediately after the sale,
~~t!~~~b~~~R :~~~;~~~;~y~~ ~~Y~T ~l,~~~;~~ ~~ ~t,r.
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
,I
I
,I i
"
LaSalle National Bank, As Trustee
for AFC Mortgage Loan Asset Backed
Certificates Series 1996-3 Under
the Pooling and Servicing Agreement
Dated 9/1/96 Series 1996-3
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs,
97-46'15 CIVIL
CHARLES MCCOWN AND PATRICIA MCCOWN
AFFIDAVIT PURSUANT TO RULE 3129.1
LASALLE NATIONAL BANK, AS TRUSTEE FOR AFC MORTGAGF LOAN ASSET BACKED
CERTIFICATES ,SERIES 1996-3 UNDER THE POOLING AND SERVICING AGREEMENT DATED
9/1/96 SERIES 1996-3, plaintiff in the above action, sets forth as of the
date the praecipe for the writ of execution was filed the following
information concerning the real property located at 82 Hillside Circle, Camp
Hill, PA 17011:.
1 . Name and address of Owner(s) or Reputed Owner(s) :
Name Ac;idress
Charles McCown 82 Hillside Circle
patricia McCown Camp Hill, PA 17011 .
2 , Names and address of Defendant(s) in the judgment:
Name Address
Charles McCown
patricia McCown
82 Hillside Circle
Camp Hill, PA 17011
3, Name and last known address of every judgment creditor whose
judgment is a record lien on the real property to be sold:
Name Address
Fred Goddin and
Sharon Goddin
44 Mayberry Lane
Mechanicsburg, PA 17055
4. Name and address of the last recorded holder of every
mortgage of record:
Name Address
Plaintiff
Matte, Evans & Woodside
Denkds Funding Co.
3401 N, Front Street
Harrisburg, PA 17110-0950
903 Country Club Road
Camp Hill, PA 17011
.....
'-;,..~..,....- .M........c. ... / .....
.- to