HomeMy WebLinkAbout97-04709
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Duncan & Otto, P.C.
Attorneys at Law
One Irvine Row'
Carlisle, Pennsylvania 17013
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County Recorder's Otnce in Deed Book "36", Volume A, Page 932, more specillcally set
forth in Exhibit "C", attached hereto and made a part hereof by reference.
6. On or about December 15, 1992, Defendant, Beth A. Ackley, made, executed and
delivered to PlaintllT a signature guarantee, guaranteeing payment of the note and a real estate
mortgage financing Fifty Six Thousand One Hundred Twenty and 1)0/100 Dollars
($56,120.00), a copy of said mortgage guarantee being attached hereto as Exhibits "0",
respectively, and is incorporated herein by reference as though fully set forth.
7. Said note and said real estate mortgage are in default because Defendants herein
have failed to pay the payments that were due and owing for the months ofJune 1997, July
1997 and August 1997,
8. The PlaintilThas given to the Defendants written notice of intention to foreclose on
said mortgage as required by law under Act 6, dated July 16, 1997, a copy of which is marked
Exhibits "E" and "F", and attached hereto and made a part hereof by reference.
9. The PlaintilT has given written notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated July 16,1997, a copy of which is marked Exhibits
"G" and "H", and attached hereto and made a part hereof by reference,
10. By reason of the aforesaid default, the entire principal balance of Fifty Three
Thousand Five Hundred Thirty Four and 03/100 ($53,634.03) Dollars, with interest thereon at
the rate of 9.27 % per annum computed from August 22, 1997 and attorney's fees in the
amount of Two Thousand Six Hundred Eighty One and 70/100 Dollars ($2,681.70) are now
due and payable.
1)1 L-
1- ',)')1 In
PROMISSORY NOTE
_::~c:~._ ___~.an D~te J'~~~~~~'71 Loan -No l Coli I couatere', Account ... J .~;~;rJ__~.ltl~~l
Rorer,ncos In tho !Shadod 61011 oro 10f t_'?!..1:}~~~-'!!~~)!y"~~1.1!.-~I~~!~~l~.~'~I.I_~~!!.~PI!~~~~~Y..{?.1_~~_~9S_I.'~l~!!~!.!!!-~~-P"IUcutRr lonn Of 110m,
Borrower: S.mu.1 J. M.no
041 Union H.II Rood
C..llaI., PA 17013
Lender: rarn'era TrUlI1 Company
Moln Olllce
One Weol Hlgl1 Slteel
C.,II.le, rA 17013
== r;:=.:=.;."-'~".'::_-='-"'-"""':C
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Principal Amount: $55,120.00 Date of Note: December 15, 1992
PROMISE TO PAY. I proml.. 10 p.y 10 Fonne,. Tlllol Co",pony nende,"l, ur uldel, In lowlul money of Ih. Unll.d SI.I.. 0' Am.,lc., Ih.
p,lnclpll .mounl 0' Filly SI. Thou,,"d On. Hund,ed Tw.nly & 001100 Doll... ($1\6,12000), 10g.lher wllh Inler..1 on Iho unpaid principal
bolene.lrom Dec.mber 15, 1882, unlll p.ld III rull. The Inler..1 ,.1. will nollner.... .bo.e 10.000%,
PAYMENT. SubJecllo .ny poymenl ehollg.. ,o.ulllng f,om chong..llllh. Ind.., I will poy Ihl.loon In oeco,d.nce wllh Ih. 'ollowlng peym.nl
achedul.:
12 c:onucullve monthlv principal and IlIler.sl payments of $370.:11 each, begInning J,,"uary 15, lie3, wllh Inl.r..'
calculat.d on thl unpaid principal balancn at an Intereet ,ate of a,260% per annum; and 281 con'Mcullve mon'hly principal
end Inler'll paymentlin th. Inlllll 8mf,lunl of 1401.16 each, beginning January 15, 1884, wllh Inl.r..' c_lcul.led on lhe
unpaid principal balances at In Inlrrul rate or 4.000 percenlage polnls Qver Ihe Indek dellCrlbed below, My nnll paymenl
will be due on December 15, 2017 ftnd will be for all principal end ftCcrupd Inlrrest no' vel paid, together with any other
unplld amounl. under Ihll Note.
Interosl on this Note Is com puled on I 30/3liO simplo Intele51IJiJ!;I!\; Ihal15, with Iho flll~;optjOtl 01 orjd days In Ihe lirst pAyment peflod, mOl,thly Inlerest
Is caleulllted by applying Iho 111110 oltho IlnnlJlll inh!/ost ralo over a yoar of 3M dAYS, limos tho olJtlilAl1dlng pllrlclpnl bohlnc:o, limos a monlh 0130 daY'.
InlerMI 'or Ihe odd days Is ~lllculatod olllho baSIS 011110 !telusl days 10 tho /ltJAllull month iHlfJ II 3GO-dny YOAr. I wilt pl./ Londer allender', Iddress
shown above or al such othor place os Lender Illfty dOSlgr,ote III Wrltll\g. Unless olhorWI~u BQroed 01 rrJQui10d by applicable law, payments will be
applied "r~llo accrued unpaid Inlor(l5l, then to prrnCipnl, And any ronlAlnrng nrnounllo nny unplltd collodion costs Andlp,lo r;harges.
VARiABlE INTEREST RATE. The Illtorosl ralo cn thrs Noto 15 5ubjact 10 chango Irom 1110010 lima based on changos III en Indolt which 15 the Monthly
average 01 weekly average auction ralos on Ul1lled Slates TrA8sury Ollis With B maturity 01 SIt months. (\lle "Indo)("). Your Inleresl rale Will nollncrea51
or decrease II a change In the Index Is 1055 than one..Qullller perc~ntAge pOlnl on any change dalo. lender will leU me the current Index rale upon my
request, I understand that lender may make loans based on othor rates as woll. Tho Inhuosl rate change will nol occur more often thin 81ch vear,
The Indu curr.nlly I. 3.360% per ,"num. The 1111....1 r.'o 0' ,.Ie. 10 be .pplled 10 'h. unp.ld prlnclp.1 b.l.nce 0' thl. Note will be Ih. ,.,.
or ,.Ie, 101 'orth .bo.e In Ihe "P'ymenl" ..cllon. Nolwllh.londlng .ny olher p,ovlllloll 0' Ihl, Nol., Ih. .orl.~le Inl....1 ,.Ie or rll..
provided for In this Note will be subject 10 Ihe 'allowIng maximum rale, NOTICE: Under no clrcumstRnces will Ihe lnleresl fate on Ihls Nole be
more Ihln Ihe lesser 01 10.000% pOt Bnnl'm or lho rnQ,lllmum rBlo BlIowed by oppllcable law, NotwithstAnding the above provisions, the maximum
Incros.s8 Q( decrease In the Inlerest rBtll al any ono IlInlf on Ihis 10Bn will nol nllcood 2000 percentAge pOlnls. Unle.. waived by llndlr, MY
Incr.... In 'hi Inler.,t rele will Increase the 8mounls of my pl'l)'menls.
PREPAYMENT. lagreo Ihat slllcan lees and ethor p,epald finonce chargos Aro earned fully lIS ollho dala or the loan and will nol be lubJeclto refund
upon early paymenl (whether vOlunlBry or B5 a r9~ull 01 default), 811cepl AS olherwise feQuirod by law. Ellceptlor Ihe foregoing, I may pay wUhoul
penalty all or a ponlon of Iho amounl owed enllrcr than 1115 due. Early po),nenls wrll nol, unless agreed to by Lender In wrlllno, relieve me or my
obligation to conltnue 10 make payments under Ills payment schedule, RAlher, they Will reduce Ihe pnncipAI balance due and may result in my mlklng
'ewer paymenls.
LATE CHARGE. II. paymelll i. 15 dfl'l. or mo,el.I., I Will be ch.'ged 6.000% 0' Ih. regullr'y sch.dul.d p.ym.nl.
DEFAULT, I Will be In deraulllf any ollhe following happens: (a) t fall to make Bny paymenl wilen dU8. (b) I break any promise I have mlde to
lender, Of Ilall to perlorm promplly allhe limo and 5trlclly In the rflannor prOvrded In Ihis Noto or l1ny agroemanl related to Ihls Nola, orin any other
agreement or loan I have with lender. (e) Any loprp.sentallon or !italemont made or furnished to Lender by me or on my behalr is 'alse or misleadIng In
IIny malenal respect. (d) I die or become Insolvent, 0 receiver is appointed for any port of my prcperty, t moke an assignment ror th8 bene"1 or
creditors, or any proceeding is commenced Gllhor by me or agAlnsl me under ony bankruptcy or Insolvency laws. (0) Al'y creditor lril)s 10 lake any of
my properly on Q( In whiCh londor has a lion or sec:unly Inlorosl. This includes 8 gArnishment of Qny 01 my accounl5 wllh Lend8r. (f) Any of lhe
events described In this de'aull !taction OCClllS wllh r(l!;pecllo ony guaranlor of Ihis Nole.
LENDER'S RIGHTS, Upon defaull, Londer mAY declAre Ihe entire unpaid prmclpel balance on this Note ar,d all accrued unpllid Inlerosllmmedlately
due, wllhout noUce, llnd Ih8n I Will pay thEl; amount. l.onder may hire or pay someone else to help coUect this Nole If I do nol pay. Illso wm PRY
Lender Ihal amount. ThiS Includes, subJoctto Any limlls under Rpplicable law, lendor''!, allorneys' INlS nnd lender's legal expenSf)S whelher or not
there Is . tawsUlt, Including BIlernays' 'oes and logal expenses lor bankruptcy p.ocear1lngs (Includrng elforls 10 modify or vAclte any aulomallc slay Q(
InJuncllon), appeals, and any anliclpBIf)d por,t-JIJdvmenl collection salVlces, II nol prohlbllod by appl!coblO law, I also wltl pay any court costs, In
addillon 10 all other sums provided bylaw, II Judgment 15 ontered in conneclion wUt! Ihis Nole, inters,,1 will continue to AccrUE' on Ihls Note alter
Judgmenl at Ihe interest rato applicRble fo this Note nl Ihe lime judgmonl 15 8ntpfod. ThiS Nole hilS been delivered to Lender and ecc.pltd by
lender In the Commonwealth or Pennsylvania. If there Is a lawsuIt, Ilgree upon lender's request to submit 10 the Jurisdiction 0' Ihe courts 0'
Cumberland County, the Commonwealth or Penn!\ylvonla, This Nole shall be governed bV ftnd construed In accordance wllh the lawl of 'he
Commonwealth of Pennsylvania.
RIGHT OF SETOFF. I granlto Londor R contrActual por,S~!'.sory !>PI;wlly IntOlo"lln, Ancj her(1by no;')ign, ronvoy, liehver, pledge, and lransf9f 10 Lender
all my right, IiIle and Interest in and 10, m'{ Accounts wllh lander (whflthor checkrng, SAVIngs, or somo othor account), IncludIng wlthoulllmllation III
&CCOUnl5 held Jolnlly wIth someona else and all accounts I may opon In the 'uture, oxcludrng hcwover all InA, Keogh, Rnd trulll accounts. I authorize
lender,lo lhe ext~nl permitted by applicable law, to chsrge or seleff al~sums OWing on thIS Note against Rny Rnd all such accounls.
COLLATERAL. This Note Is secured by, in ad.jltion 10 MY olher Collator aI, a Morl{lI!.lJO dotod Oo<;nrT1ber 15, 1992,10 lender on real property located In
Cumberland County, Commol,weallh of Penn~ylva/lIA, nUthp lermr, and C(Jr1(!rtl(Jns or whlr.h Ar., llf'reby inr.nr,Oomted Rnd made 8 pRtt 0' Ihls Nole.
EXHIBIT
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MORTGAGE
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Plge 2
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NT AND PERFORMANce. f.'llcopl liS (JlIllltWlo:n provH1od III Ihl!'. Mmlgogo, Grantor p,hllll PIlY 10 I ol\{lnr All smounts 6OCUfOd by Ihl& MOf1glge
. ,ltMybecome due, and lShollslricUy pPllmrn flU cl (i,lllllo/'s olJh~~.,hl)nh IHlthlllhl1\ MOI1UAUn
~8SESSION AND MAINTENANCE OF nn::: PROPERTY, Glnnlor UQrOllf, 1I11il GIOIlIf)f'1li pO~"II';"IOfl ,)r1l1IHiA lit Ih(l PlOporly shall bo gavelned by lh,
following prov1~lonlS:
Po...~on .nd UM, UtIli 111 dolault, Glnnlo! mAy rornilin In nn"I~".~!'i!iIr)I\ oud l~o"Ir()1 01 Allfj Opnl/ltll nil'! I1HII1Gge the Plornlly Ilnd collecllhe
RQnts Itom the Properly.
Duty to Malnlaln. Grdnlor sholl maintain 11m jl/npolly In Innllnlnhto r:on.III.,.I" lIrld p'olllplly porlorm AU IApRIIS, loplllCOtnonls, 8nl1 mllnlenlnce
necessary to proseI've lis Vllluo.
Hazardoul Subelancell. Tho 10llns "hlllJudl)uS wll~to,~ "hOlBlClo\Jt:i /iIJb'5lnnr:o," "dlliposlll," "'OIIJll~P," And '1hloolol1nd '9Inft50,~ 8IS used 111 IhlS
Mortgllge, shall hllvolho same meonlng,. os sat lalth mlhl' ('0ll1plfll10n5lvB Envuollll1onlnl nW,pOtll\O, l.lJmpOlll\Q!lon, IInd liability Acl of 1960,IS
amendod, 42 U.S,C, Seellon 0601, 01 5e'1, t"CFnCLA"), U'u .supetluf1(j Amendmenls UIHJ Flo(jlJlhOlllllllon Act 0' 1986, Pub. L. No, ,v. .cOO
(~SARA~), Ihe H81ardous Matlmals TrOl1spollol1on Act, 4Q LJ,S C. Sadlon 1801, ol5eq., 1110 no~otJrco Con561v6110n 8nd F1ocovory Act, 40 U,5.C.
Section 6901, ,I soq., or 01 her appllcablo slale or Foderal laws, rulB5, Of regulallons odoplud pursllRll1 10 any 01 Ihe foregoing. The Ilfml
"hazardous waslo" and "hald'dous subslanco" shall alii 0 Includo, WIlholJ! II01llallon, petrOleum Blld P"'!IV.lll/ln by-producls Of eny rrllcl(cn lhereo!
IInd asbeslos. Granlor roprosonls and WIHlanl'i 10 l ondor Ihat: (II) During lhe period of Gronlo", owno/Shlp ollhe ProjJo,ty, Ihoro has been no
us.e, gonnralian, m.nuIBcluro, 6101oQO, tronlt11Il11I, dir,posal, ,~Ieo.so 0' Ihroatened rel&850 OIIlIlY hlllsrdous wlIsle or eubslam.:e by IOY person on,
under, or about the Prope,ty; {b) Grllnlr.r has no knowledge 01, or r08son to believe Ihat Ihere has boon, 9ltCeplas p,,,vlously dllSd05ld to Ind
acknowledlJ8d by lender In wnUng, (I) any uso, g4nor8110n, manulacture, slOl'Age, "ealment, disposal, mlnlllSe, or threatened relelM of Iny
hazardous waale Of slJb~ II\flCe by Bny prior owner5 or occupanl$ of the Properly 01' (II) allY actual Of" Ihroalonod lillgallon or claIms 01 Iny kInd by
any person rolatlng 10 such mailers; and (c) !:>:r;opt as pr0V1ou6ly dlSCIO$8d to and Acllnowl'Jdgod by Lender III Writing, (I) nollher GrlnlOf' nor Iny
lenant, conlraclor, agent 0' other outhOtllod user of the rropetly Shllll UISO, generale, rnanulacluro, sloro, !toal, dlspos.e 01, or relelM Iny
h81ardaus wB!le or sUbslance on, under, or nhoullhe P,operly and (II) Bny such 8cllvlly sholl be conducted In compliance with IU .pplab~
fedW'al, slaftt, and local laws, regulalions and ordlnBllces, InclUl1ing wlll1outllmltBllon Iheso lows, rAgIJIAlions, and ordinances d8$Crtbed above,
Granlor aulhoril8s Lender and lIs agenls 10 onlor upon the Property 10 fnall.e such Insnedot1s Bnd le51s B!; Lender may deem appropriale 10
dotermlne compliance ollhe Properly With Ihl5 section 01 Iho Mortgage. Any inspocl(ons or Insts 0111<10 by lender shall be lor Lender's purpows
only and shall nol be conslruod 10 croalo Ilny loo:,pen5ibllily or liflblllly on Ih8 pAlt of lender to GrAntor 01 10 any olher person. The representations
and warranli&5 cOI,lolnod heroin Off} bB!'ied on Granlor's dUll diligence itl invostlQRllng tho rropelty for halardous w8osle, Grantor hereby (I)
relooses and waIves any lulure claims agBlllfil Londer lor Indemnlly or conhibulion in tho ovenl Grllnlor becomos lIablo lor cleanup or olher costa
under any such laws, Bnd (b) 8grOO510 indemnify arid hold harmless lender agalnsl ony and all claim:), losses, liabilllles, damages, penalties. and
expenses which Londer may directly or Indirectly suslaln or suitor rostJltlng from 8 brOllch ollhls section 01 the Morlgage or as B consequence 01
any use, generation, manufaclura, slorage, disposal, release or Ihrealened release occurring pilar 10 Granlor's ownership or Inter$'5t In the
Property, whelher or not Ihe saml! was or should have boan known 10 Gronlor. The provisions ollhis sechon 01 Ihe Mortgage, Including lhe
obligation 10 Indemnify, shall survIVe Ihe payment of Ih(l Indebtedness and the sBlislocllon And reconveyanco of Ih~ lien of Ihl5 MC'lrtQ80e and shall
nol be oHeclod by lender's acquiSition of any Inlereslln lha Propelly, whelher by lotocloswe or olhorwi5A.
Nulunce, Watle. Granlor 5hll1l no' ClllJSA, conducl or pormlt any nuiSAnCQ nor commil, WlImll, at sulfor jny strlpplllg or Of wlsle on or 10 lhe
Property or any portion of the Property. Wllhoulllmlllng the gonomlily of Ihe loregoing, Grnnlor WIll nol remove, or granllo any olher party lhe
right 10 remove, any timber, minerals (Including oll 3nd gas), 5011, glAvel or rod proc1ucts wllhoutlho prior wrillen consent of Lender.
Removal of Improvements. Gronlor shall nol demolish l)r remove llny Improvomonls from Il1e Real Properly wllhoullhe prior wr1l1en conwl,1 01
londer. As a condition to the removal 01 Bny lmprovomenls, Lender mAY reQuiro GfAnlor to llll1lo.0 ArtAngomanls sallsfaclory 10 Lender 10 replllc'
such Improvements wilh Improvements of Allansl equal value,
Lender's Right 10 Enter. Lender and jls Agenls snd represontAllVoS may enler upon 1110 Real Proporty al 011 reasonable limes 10 llltend 10
Lender'slnlerosls and to inspect Ihe Properly for purpo"o') of GrAntor's compliAnce with Ihe IAr01S And conc1lllons 0' this Mortgage.
Compliance with Governmental Requlremenls. GI-&nlor shall promptly comply wilh all laws, crdinRnces, and regulallons, now 0/' heron. In
eHecl, 01 all governmental oulhorlliss npplicilble to the use or occupancy of Ihe Propefly. G,antor may conlestln good fsllh any such taw.
ordinance. or regulation and wllhhold compliance during any proceeding, including nppropllBle Apponds, 50 long AS Granlor ha5 nolil\ed Lender In
writIng prior 10 dOing so and so long as, in londo"s sole opinion. L\Jndot's inlnresls in Ihe Propprly are nol Jeopordlzed. Lender may requIre
Granlor 10 posl adeQuale secunly or a surely bond, rOAsollAbly sallsfAcla'y 10 Londer, 10 prolect LendPr'') IntprO!lf.
Duty to Protect. Grantor agrees neilher 10 abAndon nor Inave unatt~ndod the Properly. Grl1nlnr shall do All alher acts, In llddillon to Ihose acts
set forth above In Ihls seelian, whIch 'rom Ihll character and use ollho Property ArA ,eAsonAhly nE'CO~'1ary 10 protect and preservelhe Property.
DUE ON SAlE - CONSENT BY LENDER. Lendar r'1IlY, aJ ils opllon, c1eclare ImmediAtely duo And pllynblo all sums secured by thIs Mafigsoe upon the
sale or Iransfer, without the Lender'~ prior wrillon com;enl, 01 BIl or allY parl of Iho Renl Property, or any Interesl In Ihe Real Property. A "s.akt or
transfer" moans Ihe conveyance 0' Roal Propl'rly or Any nght, litle or interost Iherein; whelher logal or oquitable; whelhlJr voluntary Of Involuntary;
whelher by outright sale, deed, InstnHmMt SAle conlroct, land contrAct, conlracl for dl?ed, leQ<;€'hold inleresl wilh B lerm grealer than three (3) yeers,
lease-option contract, or by sale, assignment, or IrAI1!jfer 0' Bny beneficial inlorestln or to AllY land trust 110lding hlle to Ihe Real Property, or by Iny
other melhod of conveyance 01 Real Properly Intorosl. If An,! Grantor is a corporallon or pArtnorship, Iran:;fer also Im;ludes any change In own~hlp of
more than twenty-five porcent (25%) 01 the votmg slocll. ai' pBlinershlp 1f11erosl!"I, a5 tho Cn'lR mAy bo, 0' GrAnlor, However, this option shill nol be
exercls..gd by lender It SuCh exercise is prohiblled by fe\1emtlAw or by ~l(!nl1sylvAnl/l law
TAXES AND LIENS. Thelotlowlng proviSions rfll;~lil1g 10 Ihe IA>:95 And lions 01' the PropArty nte A pnrt of Ihls MortgAge.
Payment. Granlor shall poy when due (I1nd In all ovants prior 10 dohnqucnc::y) aU IBms, PA'{tOU IR>:os, speciAl tAXO!'., assossments, Wilier chargft
and $ewer service charg~ leVied Il~Blnst or on Bccounl of Iho PropBlly, and ShAll PAY when due all claims for work done on or 'Of' S8fVIceI
rendered or malorlol furnIShed to Ine Pronerty. Grllntor shall maintAin ItlP. Pronerly 'reo 01 All liens having ptlollly over or equal 10 Ihe Inter..t of
Lender under Ihis MortgJoe, ellcopl 'or Ihe lIOn of tallAs and Assessmenls nol dIJO, And excepl AS olhefwisp provided In the followlno p.raorapl"l,
Right To Contest Granlor may w!lhhold pA.ymont 01 any 18X, BS5li15Smont. or clAim In connocUon With A good faith dispute over the obllQ8tlon to
pal, so long 8S Lender's lnlereslln tho Proporty IS not jOOPQrdiled. II B lien Ilrl$es or IS riled BS A rosult of nonpaymsl,t, Granlor shall wIthin ""-n
(15) days after the lien arises or, If a lien is filf:'d, wlthlnliHeen (15) dAY!} atler GrAnlor hAS no lice ollnA flllny. socure Ihe discharge of lhe I~n, or II
requested by Lender, depo~lI with Lendor c.1!ih or a sulflclent corporate su(ety bond or other SACurity !>itll,>IBclory 10 lender In an amounl sutftcitnt
10 dlsch8r~o Ihe lion plus any costs and ollorneys' foo') or olher ctlRrQe'i Ihal could Accrue AS a raSlJlI of A foreclosure or sale under the lien, In
any (';onI85t, GranlOf ~hBll defend It~,elf anell,onder And shall 'SBllsly any adver'So judgmenl bofore onfOfC0n10nt AQalnstlhe Property. Grantor ,han
name Lendor as an addltll,lltll abllgoo unrJ8r Bny 'iurety bond furnished 10 Ihe conlost procllndlrll~",
EVidence 0' Peymenl. Grantor '\hRII upon def'l111nd furnlr,h In Lnnotlr sali~fRclOlY evidence or pAymenl of Ihe lalle~,
IlUthOri18 Ihe approprlale Qovornmnntol OfflCI111 10 d~liver 10 t oncfor al Any hrne A written slAlemenl 01 Ihe laxes and
Propnrty,
.s95s."'1enl$ .Ild shall
..,tissmen15 .galnsl the
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MORTGAGE
(Conllnued)
,Plge 3
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lie. 0' Conllrul.:llon. Granlor sholl nollly Londer 11110851 f1lhlOn (16) days belore any walk 15 commenr.ed, ony urvIc8l11l. 'uJnI,hed. r:t Iny
mat,nlls .r8 supplied 10 thll PropOlty, It any IllQChanh;'s hon. 1n.IAflohnen's a.n, Of olhe, lien could bn 8SISe,ted 0/1 account oltha WOf~,I8fV6ces,
or mllerials Ind Ihe c051 Oll'coodl5 $6,000,00. Grlll1lm wUllJpon roquolSl 0' lend8f 'urlllt.h 10 lendor Advance 8Sl5uraOCOtl r.aliS'.clDr/ to llnder
that G"nlor can Iwd will pay Ihe CQst 01 such lI11prOVdr1l0nl15,
PROPERTY DAMAGE INSURANCE, The roUOW1l1U prOVl!ii0115 101811110 10 lrlSUllng IhI rropo/Iv H'. a pall ollhl5 Mollgago,
MlMnl'nlnCI of Inauume.. Gllllllor shnll procure end r"Blnlaln pOllcilK 01 nt. Insurance wllh slnl",d8rd 1.lended cOY8Ilge endorumenta on I
replacement basis lor Ihe lulllllslJt8ble value covering aU Improvementa on Ihe Aeal Properly In an Imounl lu,nclenllo Ivold application of any
colnalJfanco cliSua8, and wllh 8 standBrd morlOAgeo clause hI lavor ollend8f'. Po/lei" shall be wrutnn by such Insurance companlHlnd In such
lorm IS may b.. r.8sonRbly acceptable- to londer. Granlor ahall dollvGr 10 lendor c8rllllcllA~ 01 cov8flge Ifom e8ch Insurer containing .
sttpulaholllhBI coverlg!) Will nol bo C8nr.olloc1 01 dllnlnlahed wllhout 8 nllnlmum ollln (10) dll'15' pliO! wllllon nollc8 10 lender and nol containing
Iny dl~IBlmer of the InSUlor', liability lor lOllLHO 10 gIve such noUce. Should the Real Propelly al any I1me becomo localed in an arBa d95~nated
by Ihe Dlreclor ollho Fedelal Enlorgel1cy MallBgomenl Agency 815 a special "ood h81ard IlrOB, Gf/1I110r lJQI&e6 to oblaln and maintain Fedefal
Flood In5urenco. 10 Ihe 8xte~t such 1I15urAnco 15 reQulrod and 15 Of becomes available, lor Ihe Imm or the loan and lor the full unpaId principal
bdtanc.. 01 the loan, or Ihe ma)lmum IImll 01 coveragelhal 15 available, whichever Is Ios!\.
Appllclllon of Proceed.. Grenlor ~haU promptly notify lender 01 any I06S or damage 10 Iho rlc,perty II Ihe 85UmBled c061 01 repair Of
replacement 8.ceeds $500,00. lAndor mAY mA~O proal ollOlSS II Grantor '.11& 10 do so Within fIfteen (Hi) days or the casualty. Whether or nol
lender's ~ur1ty Is Impalrod, Londer may, allls e1ecUon, apply the procoods to lhe reducllon ollhe Indeblednoss, payment of any I~n affecting
the Property, or the r9slorallon Bnd rsplllr 0' Iho Propo/ty. It londer elocts 10 apply Ihe proceed5 10 re~lol8tlon and repair, Granlor shall repair or
roplaco the damagod or destroyod IrnprOVAtnBnls In a manner ulislaclory 10 lender, I.ender shall, upon satls'actory prool of such expenditure,
PRY or relmbu""~ Grantor Irom tho procoods lor Ihe reasonable cost 01 repair or rMlorallcnlf Granlor IS not In de'eutl hereunder, Any proceeds
which have not bean disbursOd within t80 days after thoir recelpland which lender has nol commltl8d to the repair or r"loralion of the Property
shall be used r;~llo pay any amount OWLng 10 londer under 1t'IS Mortgo~e, lhen 10 prepay Accrued Intere'il, Gnd the remainder, Ir Iny, shin be
applied 10 the principal balanc:e 01 tho InooblodnASs. IIlendnr holds any pror.oods 811m pRymol\tl/lltJII of Iha IndobtodnMs, 5uch proceeds shall
be paid to GranlOI.
UnexpIred 'nlUrenc. at Sal,. Any ullo)lplrod Itl!\UrRrlCO shall Inure 10 the I:umefil of, And pen la, Iho pUlchs"ior 01 Ihe Proporty covered by this
Mortgage at 81'y Irustee's sale or other 5810 held under Ihe prO\llSlon, 01 this Morlgsge, or 01 Bny loracloswe 51110 01 SlJch Property.
EXPENDITURES BY lENDER. II Granlor 'a115 to comply WIth any prOVision ollhls MOItgAgO, or " Any 8clion or proceedIng is commenced Ihlt would
materially aHect Lt'mder's Interesls In the Property, londer on Gra"lor's bohalf may, bul ShAll not bo required la, take any aelion Ihat lender deems
appropriate. Any amounl that lender 8)1pend$ in 50 doing will bear InterMt al the rBle charged under Ihe Note from the dale Incurred or paId by
Lendl!< 10 Ihe date 01 repayment by Grantor, All such e,penses, at Lender's opllon, Will (a) be payable on demand, (b) be added 10 the bala""e 01 the
Note and be apportioned among and be peyeble Wllh any Instellment paymenls to become due during either (I) the term 01 any applicable Inourance
policy or (iI)lhe remalnillg ler,,, ollhe Nole, or (c) be trealed as a ballooll paymenl which will be due ..,d payeble allha NOle'o maturity. This
Mortgage al~o will secure paymenl ollhose amounts. The rights prOVided fOf In thl!! parsQraph shall be In addllion 10 any other nohts or any remedies
10 which Lend,r moy be anlitled on account 0' the deroull. Any such acllon by Lender shsll nol be constrlJPd AS curing the de'ault so IS to bar Lender
from any remedy thBt It othorwlse would have had.
WARRANTY; DEFENSE OF TiTlE. Thelollowlng provlslOIIS re'ellllg 10 ownership ollhe Property .re a pad ollllls Mortgage,
Tille. Grantor wo"ants Ihat: (a) Grantor holds good end markelable IIlIe 01 record 10 Ihe Property III lee simple, tree and cleer 01 all liens end
encumbrsnces other Ihan thoso sel rorth In lhe Real Property dMCrlpllen or in any tl"O insurance polley, tilts report, or final 1lI11 opinion issued In
favor at, and accepted by, lender In conneclion WIth Ihls MOltgAgB, and (b) Grantor has Iho 'ull right, power, and authority to &Kecut. and deliver
Ihls Mortgage 10 Lander,
Delense 01 TlUe. Subject to the ekcepUon In the parlgraph above, Granlor warranls Bnd will forever de'er'.: Il'1e UlIe to the Property agllnst the
lawful clsims 0' 011 person!'. In the event any acllon or proceeding Is commencea lhat questions Grantor's tllle or the inlerest 0' Lender under this
Mortgage, Grantor shall defend the action Ilt Granlor's eKpense. Gronlor moy be the nominal party in such proceeding, but Lender shall be
entitled 10 participate In Ihe proceeding and to be representod In Ihe proceeding by counsel of lender's own choice, and Granlor will deliver, or
cauy to be delivered, to lender such instruments as lender may request from Ume 10 time 10 permit such participation.
Compliance With Lew.. Granlor wlllrants thai the Property and Grlnlor's use of the Property complies with all eKlsling applicable laws,
ordinances, and regulaUons 01 govfunmental Quthorlties.
CONDEMNATION, The 'allowing provtslons relating to condemnalion of Ihe Properly are /I part of lhi~ \Ao.lgagB,
AppllcaUon of N.I Proc.eds. It all or any parI 0' the Property is condemned by eminent \Jamaln proce&l..lol~S or by any proceeding or purchase
In lieu 01 condemnation, lender may at 11$ elecllon require that all or any portion or the n~t proceeds of the award be applied 10 the Indebtedness
Of' the repelr or restoration 0' Ihe Property. The nel proceeds of lhe award shall moan the award atter payment 0' all aclual costa, expenses. and
attorneys' fees Incurred by lender In connecllon wilh the condemnation.
ProcHdlngs. II any proceeding In condomnaUon IS tiled, Granlor shall promptly notify lender In Willing, II'd Grantor shin prompftv take such
steps IS may be necessary to de'ei'lOlhe acllon and oblain the award. Grantor may be the nominal pa.1y In SLJcl'I proceeding, but lender shall be
enfllled 10 participate in the proceeding and 10 be represented in Ihe proceeding by counsel 0' its own choice, and Grantor wilt deliver Of' C4UU to
be delivered 10 lende( 5uch In!\lrumonls as mny be requested by It from lime 10 time to permil such participation.
IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The lollowlng provl"ons relBllng to government.I 'a'85.""
end charges are a part 01 It-IS Mor1gage:
Curr.nt Taxel, Fe,. arid Charges. Upon requ95t by lender, Grantor $hall execule such documellls In addlUon 10 Ihis Mortgage and take
whalever olhor Bctlon 15 reque5ted by Londor 10 perleel and continue lender's Uen on the Real Property. Granlor shan reimburse lender 'or aU
10M. as descrIbed below, log"ther With aU (')'pellses Incurred In recording, perfacting or cOllllnulng !hls Morlgage, including without Ifmlta"on aU
10)185. fees, documer,lary slamps, end olher chnrgo!\ for rocotdlng O[ reglstetlng Ihis MorlgAg~
Taxeo. The 'allowing shall conshlule lax85 10 which Ihls section applies: (8.) 8 specific tax upon this l,/p*, of Morlgage or upon all or Iny part 01
Ihelndebtedness secured by thiS Mcrlgage: (b) R ~pecltlC lax 0" Grllnlar which GrMler Is SlJthOrilOd or rOQulred 10 deduct from payments on the
Indebledne5s 5&Cured by Ihls type of MorlgngA; ((:) a lax Of" this type 01 Mortgage chArgeable 8gall151 the Lender or lhe h~der or the Nete; and
(d) tI speclnc lax on all Or any portion at the IndeblednOM or on payments 0' prlnc:lpal And inlfll8!t mBde by GrAnlor.
Subeequenl rIX,., If ar''1IBx to which this "tor.llon Bpplias IS enAcI~d s!lbseq1lentlo Ihe dRIA 0' this MortgAge, this AI'(,I shall hive thl same
eHectS5 In Evenl or Oc'o.~lt (a5 do'lnod bnlow), Bnd lender may exercl~e any or aU of 115 QVRIIAble remeltles for an E\i, I Default a$ provided
below unless Grantor 91!hor (A) pays Iho !lD, bofore II ber.om05 dolinqlJanl, or (b) r.ontosls the tu 115 provided abo,,", . lha lbes and Liens
$~llon and deposll~, wilh Lender cash or R sulflc!pnl corporaliJ surety bond or Olhftr !)cCIJrlly SAII5fllctOry to lender.
~
I
MORTGAGE
(Continued)
,.
Page 4
,,,:,.,,"""::--t.-:~~.____
fTY AGREEMENTt FINANCING STATF.Ml.:NT5. 'rho 101l0wIIll1 PIOVI61ons rolnllllU 10 1/111') M')"onOllll-. B liO<:Wlly ftijrltOnlonl RIO R pOlt or this
011/1.
Security Agrumenl. Thl6 Iru;IHHnnnt shnlll:lllmlllutlJ II !i1)/:UlIly Rgrnnlllollllo tho 8ldl'"llJny 01 11m PUlpolly r.on511lulu5 filllurs5 m oth8f per&-onlll
proporty. and Lendor r;hnU hnvlllltl ollhe IIUhl'; 0111 !iOl'IJfOtj plllly ljndo, Ih.. Unllorlll ('(}/Illlllllr:lnl COltn I\!; RIlllJnc1nd ',om limo 10 hmlll.
Security 'nler...1. Upon IUqLJo51 by londO!, GruntOl shull ollocLJlo rlllU.lr;irIQ ~IAlomolll", Bllff 101<.0 wt'nlo\'1II olhnr Bellon il\ 'o~tJQ'$IQt1 by l,,,'d'" 10
purted Bnd conllnuo 1.011<18"15 50C:Ullly Irllerll~1 In Iho 11(1111'$ Rlltl PnHio'H11 r,oporfy. 111 "<1I11IIon 10 IlK(j/(1Ing IhilS ModURgO In the r6l.1 prop..ty
rocords, Lunder mAY, at any III11e ftnd wllhoul IlIrHle. IiIJlhnrl/Rllorl hQrn GrAnlor, hln f'lUl(:lItf1(j C:GIJlIIt\lpllrl!\, coplOS 01 .ep.odudloflS or Ihls
Mortgogo 85 a nnanclno slalernonl. GrRnlor &hall rolmhur'io lenchH fOI all OllpnrlMJt\ IIlCUtltlf.1Ifl pOllndlnQ 01 r.ontlf1ulng this !Security Int8fMI.
Upon default, Granlor 5hall8$50mblo tho Pe,5Qllnl P,opeily In a manner ond ala plltCO 1l1fi'iol1tJl)ly cOf1vilf1lenllo GralltOl Bnd Lendor and 10."-0 It
Ilvalllbls 10 I.endor wlthlrllhroo (3) dBy-5 nrhlr h:!CPlpl of Wfltton dotl1ltnd 110m londm
Addre....., The mailing addros505 01 GrllntO! (dl1bI0l) And Londm (5ocurod parly), !rom whldl 'nlQ1I1111110n concelnlng Iho 50CUrity Inleretl
granted by Ihls Mo.fgoge mBy bo obtalnocl (oncll ItS IOQlJl/od by Iho Unltorrn COfllrnorclnl COlif?), Bfe A!i o;tntAd on the 'Irsl pAge olthllS MOttgage.
FURTHER ABSURANeESj ATTORNEY-IN-FACT. Tho tOI!OWlIlg provisions relating 10 fuflhm nSSUrllnCI)~ Bnd allornoy.ln..lacliIrB a pari or Ihls
Mo'igaoe.
Fur1h.r Aaaur.nc.., AI any limo, and trorll tllllO 10 timo, upon r9QUOfil 01 Lender, Granlor will fI1a~o, OJl:eclJto Bnd deliver, ",r will cauae to be
made, 8lleculed or dolivered, 10 lender or 10 lelldol's d$tilgllefJ, and when reQuesled by lender, cause 10 be filed, recorded, renled, Of
rerecr}rded, 85 Ihe csso may bo, 01 such tl/llllS Rnd In such offlcos ond places AS lender may deem npp.opnole, any and 011 such mOftgagesj
deeds of IrUlsI, security deeds, 50Curity Byroomonls, finanCIng statoments, conllnuotlon 5111101l10nts, illstrumonls of furlt10r assurance, CQrlll\clles,
and other documenls B5 may, In tho soto opinion of LO/ld~r, be noc.:r55ary or desirable In Qf'do, to olleclu8lo, complete, podoct, conllnlHt, Of
preserve (8) the obligations 01 Grontor undm tlla Nole, Ihlli MOI1g8ge, and Iho Rnlnled Documents, Rnd (b) Ihe liens and security Inl.,-eats
crealed by this Mortgage as li.sl and prior h8n~ on Ihe Properly, whother now owned or he/enflm acquired by Gronlor. Unless prohlblled by law
or agreed 10 Ihe contrary by lender In wflllr1O, Grantor shall rAlfnbw5e Londer for 011 C05tS And ellpMses Incurred in connection wllh the ml"en.
relerred 10 In Ihis paraGraph.
Attorney-In-Fact. II Granlor lollS 10 do any or 1111) t!llngs reforred to III the preceding parAgraph, londer may do 50 for Bnd In the name 01
Granlor Bnd af Granlor'!'; allpense, For such purposes, Grantor hereby Irrovocably appoints londer as Grantor's ellornay-In-lacl 'or tho purpose
of making, ell9Culing. delivering, flllnQ, rocordirlg, Qnd doing all other things os may be neceSSAry or desirable, In lender's seNe opInion, 10
accomplish Ihe malters roferred 10 In Ihe precodl/llJ parograph.
Fll.L PERFORMANCE. If Gronlor pay: 1;lIlha Indobleclnos5 when due, and otherwise pAdorms allthB obll08110115 Imposed upon Grantor under this
Mortgage. Londor shall oXl!Cule and deliver 10 Grantor a sullablo SAtisfaction 01 this Mo/tQago ann '>ullnble statements of termlnallon 0' any nnanclno
slatement on ~Ie eyjdenclng Lender's SOCUrily lnte/osl in the Renls and Ihe Personat Properly. G.antor will PRY, I' permllled by applicabkt law, any
roasonablo termlnallon fee os detelll1lned by Lender Irom lime 10 lime.
OEFAll.T, Each of the follOWing, allhe option at It:H'der, sholl constilule an pvonl 01 de'aull (''Event 01 Defaull") undo/this Mortgage:
De'ault on Indebtedness. Failure 01 Grantor to OlRke Any payment whOrl due on the Indebledness.
Oe'IUIt on Olher Plymenls, Failure 01 Grantor Within tho Ilme reQulrod by this ModgAg~ 10 mR~e any payment for laxes or Insurance, or any
olher paymenl nec8!>sary 10 prevenl riling alar to effect discharge 0' any lion.
Compll.nce De'lulI, Failure to comply with any other lerm, obllgafion, covenant or condilion conllllnod in this Morlgaga, Iho Note or In Iny 0' the
Related Documents,
Breeche.. Any warranly, reprosenlatlon or statemenl mode or furni~hed 10 lender by or 011 bflhAtf 0' Granlor under this Mortgago, Ihe Nole or the
Rolated Documenls is, or ot the lime made or lurnishod was, falM It\ any malerlat re5pecl.
InlOlvency. The Insolvency of Grantor, appointmanl 01 a receiver tor any part of Granlor's proporty, an'j s5slgnmonllor Ihe bene~t or credllm,
the commencement 01 Any procfJOdlng under any bankruptcy or insolvency laws by or agalnsl Grantor, or the dissolution or tormlnatlon or
Granlo,}s 8)(lstence as 0 gOing business (if Grantor 15 a business), Exceptio the extenl prohit)lled by ISderBI law or Pennsylvania law, the d88lh of
Granlor (I' Grantor Is an Indlyjdual) also shell constilute an tvenl 01 Default under lhis MortgAge.
Foreclosure, Forfeiture, elc, Commencemenl of foreclosure or forfellure proceedings, whether by Judicial p/oceedinQ, self-help, reposseulon or
any other melhod, by any creditor 01 Grantor or by any governmonlal agency againsl any 01 the Properly, However. Ihls subsecllon shall nolapply
In Ihe evanl 0' a good faith dlspule by Granlor .1S to the validity or rea50neblenoss of Ihe claim which is Iho basIs ollhe foreclosure or rOl"erelture
proceeding, provided Ihal Granlor gives Lendor wrlllen notiCIf of such claim Bnd furnishes reserves or a surety bond tor Ihe claim satisfactory 10
Lender.
Breach 0' Olher Agreement. Any breach by Granlcr under the torrns 0' any olher agrp.emenl between Granlor and Lender Ihat Is not remedied
within any grace period provided therein, Including Without limItAtion Any agreement concornlng Any Indehloc1ness or other obligation of Grantor 10
Lender, whether oxlstlng flOW or later,
Events Affecting Guarantor, Any of tho pr(>cl?dlng evenl5 o<:cu.s with re~pocl 10 Any GUArAntor 01 Any or the Indebt6dness or such Guarllntor
dIes or becomeslncompelent,
g;l RIGHTS AND REMEDIES ON OEFAl.A..T. Upon tho occurrence of IIny Event 01 DelAlllt And at Any ,limo IhprAAft('r, lander, allls opllon, may exercise
~-: any Dn6 or more~' Ihe lollowlng fights and romodles, In Addlllon to Any other nghts or remedies prOVIded hy lAW;
~ Accelerate Indebtedness. Subjnct 10 Appiicable law, lender ~hAII hove IhA light At lis option wilhout nolice 10 Granlor to decl8re the entire
J-- Indebtedness ImmedIately due And paYAblo
~ uee Remedleo. With respeclto all or any Dnrt of the Pflr50nnl Propelly, ler1der shall have AU the .ights and romedlM 0' 11 secured party under
tl'1e Unlrorm CommercIal Cod~.
....J
....
~lt
Collect Rents. Lender shall have Ihe rIght, Wllhout notice 10 Grarilor, to tAke posseSsion or Iho Property and r.ottoct tho Renls, Including .mounts
pllst d'Je and unpaid, and apply Ihe net proceods, over and above l.ender's costs, aQainsl the Indebtedness. In rurtherance of this right, Linder
mBY require any lenant or olher usm 01 the Property 10 ma~e payments of rent or USf.l 'pes diroclty 10 lan(1er. It the Rents ar8 collected by l.endef',
thon Granlor irrevocably daslgnaltl5 Lender as Gll1nfor's attorney-in-tact 10 endorse lnstrurnents received in paymenllhereof In lhe name of
Granlor Bnd to negohate the same (\11d coiled lha procoods, PAymAnls bv tenants or otho, users to l.enl1er in response 10 lender's demand shall
S6tlsfy the obligations for whIch the payments are mOOd, whether or nol any prop or prounos fa, tho demand ellisted. ..ender may exercise Its
nlJhls under thIs subpara;,~raph oilhor 'n per~on, by BORnl, or It'HouQh B receiver.
Appoint Receiver. lender shall have lhe rlghl to hrIve R mcelver nppolnled 10 t,l~e posr;osslon 0' all or AllY part of thlj
protect and preserve Ihe Property, 10 opera'€' the rrop~rty procl?r1loQ 'oroClosure or sale, And to col\€'ct the nonts trom .
,.,ty. ~lIh the pow", to
. ,operty and appty 1"-
~
""
..
MOI1TGAGE
(Conlll1ued)
-
pege 5
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~,
CO< ,
"",.
~.
i
roceedl, over Ind IIbO'.II 11-.0 cO'll 01 1111) It1l"l'I\'Ol6rllp, 1101111\61 tlto l'lI!ohlodllOtl& Tho IIIl:ol~Qt nWI '.mvo without bond It purmlltod by tlW.
.ndlf'lllghllo the nppolnlrnunl ()I 11 1l.}l:nIVl" 6111111 O~I'i1 wholtlol 01 I\lJllhe O1>1Jlllo111 vlIllm i.ll 1111' I'topoll)' O)lCOnd6 the IIh1obloclnolS by I
luballnllllsll1ounl, EmploymlJ/l!lly londnr tihlllllll")1 (jlli'lIJltllty H PUlliIHl /torn !tI8/Vlllg ft'i III1lCnIVlll,
Judicial Forec:lolUre. tendor mil)' ohluhlll IlJdldnl dt}(100 lomc:lotilny (i'IlIlIOl'1S InlAlltfll Inull f)f AllY pnl! of tho PlClpolly.
POIMulan 0' the Property. FOI 11,1) PUIPW;O 01 ptocuring JJOb'JIISblon ollho Plopo,ly, (IHllllnl hl1wt:y 8u\, fjll/U! and Oll1powors 811>' alio,"ey 01
any court 01 rer.ord In lho Cortllllonwoollh 01 PonrWl'tvanlB 01 ol50whOlIJ, A~ nllOlllllY 'OIlij.llllu l&.hllllt jlt)l'!lons clRlmlng under 0/' Ihrol~h I nnrlef,
10 sign In agreemenl for ontedng III Any COlllrolorl1 COlllt on Dflllcablu ltLlIl)llln IJllJdrnllnllo. POllf.Of,'iltHI .,1 1110 Plopolly Ilnd 10 appeal .Vi Mnd
confHll judgment oUllln61 Grontm, ond A(llillHilull portions c111IIllIIlU IIIHjOl at IhlOLJUh <'llllllln,. for lhu lUr,overy by lundo' 01 po!.S&ulon ollhe
Propetty, wilhoutlny 61ay of 8liocuUon, /01 whlr.h Ihlr. ~ArJtl(Jl1ge, or 0 copy ollhl~ MurlOlJ\lfl vOllflUd lJy HUIt10Vlt, 5hnll bo a IUJfflcllnl wlrranl; Ind
Ihltreupon 8 Will 01 possosslon may bnIMHJnltll)llhwllh, wlthoutltny pllOI will 1)1 prt')I~'Hllltn\J WhfllM)tlVII!
NonJudicial Sale, II pOlrnllled by nppllclJtlte Inw, I (lnrfm Inoy rOloclose GIRntor's lnt(l/O~t Hl AU 01 III Any pail ollhe Pvrsonal Plop.,ty ()( the RBlI
P,ope,1y by IlonjudlclBlsale.
oenclency Judgment. lfJ/ldor may 01/10111 n IlHJUnlonl fat 81lY doficloncy rf1ltlalnlnu III IhlJ Ind...bh1flIlOIiI\ dun 10 l endst oNer appllC8hon 01 .11
amounts received Irorn 1110 o)(orcllso ollhe rights Plovltlod Inlhl& SodlOIl.
Tenancy .t Sunerllnce, II Grantor 1011181/16 111 possonlan 01 Ihe Prope,ty IN8/' lh~ plCJpnrty Is 50111 8' prOVldod abovlJ or Lender olherwlse
becomH .nUlted 10 possosslon or Ihe rropolly upon dolaull or Granlor, Glanlor shall bocotlllJ 0 lenonl nlSllflQ,snce 01 Lender 01' the PUrChlW 0'
Ihta Property and shaU, allonder's opllon, /Jlthor (11) pay 8 I'OS60nahlo ronlol 'Of Iho USO ollhe Propnrly, Of (h) vacnle Iho Property jmrMdlll~>,
upon Ihe domenJ allender.
Other Remedl.., l8l1der shall have all othOl tights and lomooles prOVldod In Ihls MrlftgllgA 01 1110 Note GI n.lIllliblo I1IIBW OlIn equity.
Sal. 0' Ihe Property, 'fo the o):lonl pell11lllod by IIppllcliule low, G'Alllor hOlstly WUIV05 ony and nit light to h8VO Ihe propO/ty ma'flhsUed, In
exorcising 115 rlghls and remedios, Londo' shall bo Iroo to 5011 AU or ony palt 0' tho PlopP.tty hlQ/llhor or IiApAIRtaly, In onn 6ate or by "parate
eales. Lender shall be entltted tl) blr1 ot any nubile 5010 on 011 or Any polllC/1 alUm r,op()dy.
Notlclt 0' Sale. Lender shall glva Granier lon~onnblo notice ollhe lima and place of any plJhllC 5Ale 01 tllo rUrEl)nal Properly or or the lime Ifler
which any prlvale 5010 or other Inlended di~po~IIlon 01 Ihe Porsonal P,aperly Is to bA mndo. UnlR~o; 0lharwl5e requlrod by oppllc8b~ IIW,
rOllsonablo nolleo shall moan notice given 01 tl1nsl hm (10) dAY~ hllfOfA tl10 limo ollh~ SAlo or t1lf,nosltion
Wa{ver; Election of Remedies, A WR1VE3r by Hny pOlly 0' a blench of a provision Gllhl~ MOrlOllgO shall nol conslltute a waiver of Of prejudIce the
pa.rty's rights oth9lwie.e 10 demand stnct COlnpllanco With IhAI provIsIon or any olller provl51oll, Election by Lender 10 pu"ue any remedy shall nol
8)(chJde pursuit or any olher remody, ond an election to molo:e e)CpondltUfe~ or lake aellon 10 pollOln1 on obligation 01 Grs.llor under this Mortgage
after failure 01 Granlor 10 por1orm shall nol A"et;t Lendor's rlghlto i.loclAre A dolBUIl And OliAlcl!>e 115 ramedies under thIs MolfgoglJ,
AttorneYI' Feel; E'Ilpense.. Uland\!! Instllulos any suit or oellon 10 onforeo any 01 tho lerlllS 01 this MorlgRge, lender sholl bo entitled 10 rACove.'
such sum as Ihe court may adjudge reasonable R5 ollornoys' laos, 01 Inol and on any Ilppont. WhnlhAr or nol any COUll aellon is Involved, All
reuonable expenses Incurred by londor that in Lender's opinion Bro nOCij!'jSIJry At OilY limo for tho pfolE1ctlon ollls Inleresl or the enlorcement 01
Its rights shall become a part ollha Indebtedness payablo on deml1nd arid sholl beRr intelost from Iho dAta ole)Cpendilure until repaId Btlhe Nole
rote. E)Cpen5&S covered by Ihis pllrlioraph Includo, without limitation, however !iubjed 10 any IImils undor nppUcablelow, l.ender's B"orneys' f8M
and Lender's legal expenses whether or not HIl)ro Is a lawsuil, Includlllg Attorneys' loos for bAlihrlJplcy procoodlngs (Including oHorts 10 modIfy or
vacate any Qutom8tlc stay or inJunction), appeals and any Qntlc!pnted posl-JudgmArlt colleclion 50rVIC(lS, Ihe cosl of seA/ching record5, obtaining
IIUo report!! (Including loroclosuro ropolfs), SlHVOYOI'$' roporls, Gnd appr31sBl loo'i, An.1 11110 InsurAnco, 10 the o)(tonl permlllod by applicable law.
Granlor also will pay any court cosls, In addItion to all olher SlJms provided by taw
NOTICES TO GRANTOR AND OTHER PARTIES, Unloss 0lherwl5o plovidod by applir.nl)I\, ;IIW, nil)' nolico IJndor this Mortgsge shall be In WriU'1g and
shall be effecllve when actually dollvered or, il mailed, shl1l1 be doomed elfecllve whon dopo'ilted In Iho United Stalos mAlt firsl class, registered mall,
poslage prepaid, dlrecled 10 Ihe add.esso5 shown near the beginning of Ihls Morlgnge. Any pSlly may chAnge 115 address for notices under Ihls
Mortgage by giving lormal written nollce 10 the other parlles, specifYing thallhe purpose of Ihe notice is to change 'he party's address. All copIes of
notices nf foreclosure from Iho holder of Qny lien which hAS priority ovor Ihl!) MOIlgBge shall be 5enllo l endor's address, as shown nltsr the begInnIng
0' Ihls Mortgage. For notice purpOSE/S, Granier llgrees to Io:oep Ll9I1der Informod AI all limes 01 Grantor's Cllrrent Address.
MISCB.LANEOUS PROVISIONS. The following n1iscellaneous provisions 810 11 part of this MorlgAge:
Amendments, This Mortgage, lagether with Any Relaled Documenls, conslltutes the enlite understanding and RQrooment ollhe parties IS 10 the
mallers sel 'orlh In lhls Mor1gage. No ellerallon 01 or amendmenl 10 lhis Morlonge ~11(lil l10 effechvo unloss glvnn in wrlllng and signed by the
party or parlles sought 10 bo charged or bound by the ollerAtlon or nmendmnnt.
Appllc.bl. LOW. ThiS Morlgogo hes b.en delivered 10 Lond.r .nd oecepl.d by Lender III Ih. Commonw..lth 01 P.nn.ylv.nl.. Thle
Morlgogo "'.11 be governed by .nd conslrued In oecord.nce with Ih. lows or Ihe Commonw..llh 01 p.nn.ylv.nl..
Caption Headings. Caplion heod;nJs in Ihl5 Mortgage are lor convenience P\JfpO~Po:. f1nly and Bra nol to be used to Inlerprel or define the
provl!!>lons of Ihls Mortgage.
Merger. Thera shall be no merger ollhe inlerost or eslnl/) created by Ihls MortgAge wllh Ilny other InlmA~,l at estate In the Property al any time
held by or for lho benofil 01 Lendor in any CApAt:lly, wlthoul Ihe written consenl ollandor,
Severability, If 8 court of compelent jUrisdiction linds any prOVision of Ihls MoIIgage 10 bo Invalid or unenforceable as 10 any p~l)on or
cIrcumstance, such tlndlllQ shall nol render Ihal provIsion Invalid or unenrorceable AS 10 Bny olher persons or clrCumslonces. II te6slble, Iny such
offendIng provision shall be deemed 10 be modlhed 10 be within the limits of enforceability or VAlidity; however, If Ihe offending provisIon cannot be
so modlned, II shall be slriele"n and all othor provi~lons 01 this Mortgage In all 01 her respocls Sill'll! remain vnlld and enforceable.
Succ.asor. and Asalgns. SubjocllO tho Ihnllallons slated in thiS MortgAge on Iransfor of Grantor's Interest, Ihis Morlgllge shall be binding upon
and Inurato the benefit olltle partIes, their heirs, personal represonlallves, successors and B~!',IQn':;, If ownershIp 0' Ihe Property becomes vested
in 1l person other Ihon Granlor, lendd, wlthoul notico 10 Gro.l,tor: may deal with GrAnlor's 5ucr::eS5ms with relersnce 10 this Mortgage end the
Indebtedness by way 01 lorboAmrlCe or eAlenslon wllhoul releasing GrAnlor Irom Ihl') obligations 01 Ihls Mortgage Of \labIlity undM the
Indeblodne'Ss.
Time 110' the Easence. Timo Is of the 055enco In tho pmf~1rmnnce of this MOIIQIlQP
Waivers and Consents. 'JJndor !;hilU not he deomod 10 hAve waivoc1 Any rIQht~. under thl5 Morlonoa (,"";r under thA n"r '.'Id Documents) un..s
such walvor Is In writing ,,;\0 slonod l1Y Lendor. No delay or omission on Ino parI 01 Lonoer In eXOICI'11119 any rIght. 11erefe IS a wIlver of
sllch rlQhl or any olh(lr II' 111, A W,'I,IJ(H by Rny pAtty 01 A proVl';ion 01 this Mortgnge shllll not Gonslltuta A waivor 0' lol dIce :tote party', righl
otherwl5eto demand SIlII;! cOmpll,inr:O with !hnl provision or any othor prOW,IOn. No prior waiver by Lfltldor, nor Bny Cv,,,..d of d8lling bfJtween
Londer and Granlor, shall con'ltllljti" a Wl11Ver :;1 Any r,f 1.'IHll'I'<; IOt1tS or Any of GI.,lltor'o; ohllgntion!> 1-\5 '1) Bny fulurs tranSActions. Whenever
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EXHIBIT A
,
LO.8.:~~_ _!~~~~~1 ~ [_"~:.~".N~C8~~_ L~~~1818r. L AC~~:~ ....... ~~!i':r_ ____
Aef.rencesln Ihe ISha.ded 4roo atO tor Lendo"~ USQ only Bnd do nolllmll~~C8blll'~~!;~~UI!~r)nllo An odi,:ul.r loan Of lIem,
Borrower: Samutl J. M.no
141 Union Hall Road
C.rtlll., p" 17013
lender: Farm..o T,uol COMlII.IIY
Mlln OHlc.
On. W.ollilgh SI,..I
CerUII., p" 170n
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--.------_.- .....~---~---.-.--..-_._--
...____u_..~_._.___.,.. ...____ , .__.......... '0__""
Thl. El<hll)ll " I. ."lCh.d 10 .nd by fhl. "',..IIC. I. n'ad. . poft 0' .lCh Deed 0' T,u.t 0' MOftgage, daled o.c.mber 15, 1892, end .xecuted
In conneellon wllh . loan or olher hrlancl.llCcommQd.llon. belw..n Ferm... Truol Company .nd Samu.1 J. M.no.
A:.L l11AT CERTAIN tract or land situate in North Middklon Towl1.~hip, Cumherland County,
Pennsylvaniu, houfhkd and ,kscrihed in arl'llrdance with surwy made hy l.arry Vern Neidlinger,
Profc.~sional Enginecr. on March 2.\ IlJ70, a dran or said surwy being rl'mnkd in the
hereinafter numed Recorder's Oftke in Plan (l'''lk 25, I'ag" 2K, as r"l1ows:
BEGINNING at a nail in Ihe ori!!inal r"IMr line of .11 feel wide Township Road T.4H5 known
as Union lIall Road, at C"l'ner or land now or rorf11<:rly or William (Jarman: thcnre along said
original center line of 11 reet wide Union lIall Road. South VI degrees OK minutes 17 seconds
West, u distanre or 221.97 reel to a nail at corner or land now or rormerly or Anhur Miller;
thence along the northern lill<' or said land now or rOl'nlerly or Arthur Milkr and land retained
hy Mildred M. Kelley, North (,~ degrees 4K minutes 05 sl'l'llnds \Vest. a diSian('e or 110 reet to
a point; thence still along line or I:lnd retained hy Mildred M. Kelley, North 10 degrees 16
minutes 32 seconds East, a distanre or J(~).7K feel to an ash tree in rl~n('e line or land now or
formerly of William Garman: thenre along said rence line :lnd land now or rormerly of William
Garman, Soulh 112 degrees 59 minutes 1H seronds East, a diSi:lnce or 412.0(, feet to a nail in the
original center line of 11 reet wide Union lIall Road, the place or BEGINNING.
CONTAINING 1.l4(' acres on whirh there is erected a dwcl:ing house known as MI Union
Hall Road.
SO MUCH of lhe within described premises lies within 25 recIoI' L1w ori!!ina\ center line of 11
feet wide Township Road T-4H5, known as Uni'ln lIall Road, is ,""lirate,1 as a portion of the
right.of-way of said road.
BEING the same premiscs which 1I0yt D. Carns and Beatricc A Churlick, now hy marriage,
Beatrice A Carns, his wire, hy thdr deed daled Decemher _, 1992, and rCCllrded in the
Office of the Recorder or Deeds in and ror Cumherlaml County immediately prior to the
recording of this Mortgage, granl,>d and conveyed unlo Samuel J. Meno, a single person,
Morlgngor herein.
THIS EXHIBIT" IS EXECUTED ON OECEMBER 15, 1002.
x
~.
',,- : .., '; ,-, '-,J"'.' ,...."..:'..~'
X . _~ ..~~~~,IW:\,,;;
,I ,
,'rlmuel . M0no
lENDER,
LASER PRO, Reg, u.6. Pat. & T,M. all, Ver.:'t.'O (el Hm:r (:FIRenkll's Servlcft QIOllp. Ill( ^lItl~h'B r'I'IFvfll1 ["A-Olin MrNO~,J l N nn OVll
._--tt.
_..._.~
Re"'"nceo In lho .hldod 1111 III Ia< lindo,'. u.o onl Ind do nolllmlllho I
Borrower: IlamUll J. Mlno
141 Union HIli Road
Call'''', PA '71)'3
lender: F..m..1 T,uII Complny
Meln OIlICI
On. W..llllgh SI,..I
C..II111., PA 11013
GUlrlnlor: 80lh A. AtIll.y
141 Union HIli Road
Calli"', PA '71)'3
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AMOUNT 01' GUARANTY. Th. ","oonl 0' Ihll GUI..nty II Flvl ThoUSlllld & 001100 00110'0(15,000,001.
GUARANTOR'S R!PRES!NTATIONS. I know IhBI londor. ~om limo 10 11m.. hl.lotn.d 0' "'.y 10.11 mon.y 10 BOIIOW", 11m mlklnv Ihlo GUlrlnty
II the rllqlJltt 0' Borrow.,. Ind nol allendef's fUQue!!. lem ma~lng Ihls QUluenty 0' payment 150 Ihllllunder Will 101" money to Borrower Of a.,.. 10
olhor 'lKlUllts of eorrow... I Ig'''' Ih.1 l.nd.... wllllllgn... 10 mlk. Ih.lotn 10 aa<'ow.. I. onough con.ld.,.lIon Ia< my glvlnv ollhlo GUI'"nty. No
lop_nla"o", a< I",...monts of Iny kind hive b..n mid. 10 me which would limit a< qUlllty In .ny w.y Ih. I.rm. of Ihl. Gu"'"nty.
DEfiNITIONS, The following words shaH have Ihe following melnlngs when usod In Ihls Guaranty:
lIon'ow.r, The word "Borrower" means Samuel J, Meno. together wllh every 01 her pe,son or snllly 'Stgnlng the Note,
Ouerlf'lt)'. The word -Guarlnty" means this Gua,anly belween lende' lInd me dated Oecembuf 15, 109:1,
lender. The word 't.nd"- mean. Farme's Trusl Com piny, lis SUCCt5s0f, or assigns, The WOlds -successors or ISslgns- m..n .ny ~n or
complny Ihll Icqul,.. Iny Inlor..lln Ih. Nol..
Hot., The word "Nole- means Ihe promlsso,y nole or cl8dll aoreement executed by Honowe': In the principal .mounl 0' '!5e,120,OO dated
December 15, \992. together with III renewals aI, extensIons a', morJmcattons 0', re""anclngs or, consolidations aI, Ind substllutlons 'Of' the nol.
Of crodll.",..monl duo on Oocornbor 15,2017.
GUARANTY. I gu......I.. poym.nl 10 L.nde, fn I.gat I.nd.r 0,.11 .mounll on Borrower'a Nol. 10 l.nder, wh.lher duo now or lot.., including
wllhout IImlllllon, all principal. plUI all In I....,. .11 collttllon COil., .1I0rney.' It.., ond olh.. I.gat upon"'l, Ih.1 may b<tr.om. due from
Borrower 10 L.nd.. In connoellon wllh Ih. Nol.; howev.., In no .v.nl &hall 'h. .mounl guor.nletd .acttd 15,000.00, plu" oubjtcl to ..y
IImll. or appIlctblt low, all co.t....d upon... 0' (.I.nlorc.m.nl 0' Ihl. Guaranty ond (bl colltcllon and III. 01 any coll.l..aI _urlng HlI.
Gu......ty.
GUARANTOR'S AUTHORIZATION TO LENDER. I .grttlh.ll.ndor m.y do .ny a< all ollhe followlllg Ihlng., wllhoull.lllng m. and wllhoulln ..y
way It_nlng my proml.. 10 pay L.nd.r: ('1 Eal.n"on. 10 Pit)'. lender mlY repe.l.dly gr.1I1 eorrower mor. 11m. 10 p.y, Ind .xl.n.lo"a m.y b<t
fa< longer Ihln lho origln.llotn I..m. (b) R.new.ll. l.nd.. m.y renew .ny nol.. a< .g,..m.nl. wllh ea<,ower. (cl R.I...... l.nder m.y ,......
any property or gUlranty Ihll secures Iny amounls due from Borrower. (d~ Other Acllon., lender may lake any other acllon under Ihl terms ot any
agrMl'nlnt l.nder h.. with Borrower or wtlh any other guaranlor, (I) Incr.... Inl.r..1 Rale, lender may Inc'ease or olhlrwlH change the Inl"Ht
rlt. on any amounts owed to lender, (r) Change Loan Term., lender may olherwlse iller or amend thet'fms of Borrow.,.', debito llnder. CD) 8111
the LOW'I, llnder mlY 1811, Irans'er Of' granl parllclpations In .,1 or any part 01 Borrowor's Indebtedness 10 lender, Ind this GUlranty may be
hansferTltd In whoHl or In part to the purchaser, (h) lOin More Monev. lendet' may loin more money 10 Borrower and make new Idvarw:es 10
Borrow.. HOWIVII, my liability win nol.ac..d Ih. a",ounl dtot,lb.d .bovt.
RIGHT OF SETOFF, I Of In I 10 Lender a conlroclual POSSMSory secUllly Inlerest In, Bnd hereby assign, convey, delivef, pledge and trlns'" to linder,
.n my righi, """ Ind Inl....'ln .nd 10 "" my .ccounl. wllh l.nd.. Iwh.lh.. checking. savings. 0' .om. olher .ccounl). This Includ.. ." II:counts I
hold loInlty wllh someone eIst .nd .1I,ccoulIl. I m.y op.n In Ih. fulUIt, How.ver, Ihl. doeo nol IlIclude .IIY IRA. Keogh a< Iru.1 .ceounts. I.ulhori..
l.nd., 10 lho .xl.nl pormm.d by Ippllt.bl. I.w. 10 hold Ih... fund. If Ih... Is . d.l.ull .nd l,"der m.y .pply Ih. lunds In lhose lceounts 10 p.y
whlll ow. under lho "'ms ollhle Gu"'"nty.
GUARANTOR'S WAIVERS. I .gr.. Ih.ll,"d.r wlil hov. Ihe lollowlng rlghl., .lId Ih.11 .m giving up Ihe following ,ight.: (.) In'ormlllon lIboul
Borrower, Linder does not have to lell me aboul Bny delaults 01 SOHower or any other It"ormellon II now knows or later learns about Borrower',
Mancill condition, I am responsible 'or beIng and Io:eeplng mY'stt Informed aboul Borrower's "naneia! condItion and about III olher ma"... which may
artect lhe rlak Ihl' Borrow... will nol b. able to PIlY the amounls I .m gUI,anlee1no under this Guaranty, (b) Direct GUlfent)'. If Borrowlf' ~ In dtfaut1
under Iny agr..ment between Borrower and lender, tender may collecllhe emounls owed bV BOllow,r dlreclly from m., I will hive to PlY luch
amounts even I' Llna does not try 10 collect tram BOffOW8f or rrom any Qlher guarllnlor or even If lender does nol loreclose on any security. Any
deI.y 01 L.nder In collac"nv ~om Ba<row.. a< pu,.ulng .ny olh.. rem.dy will nol ch.nv. my ,.spolI.lblllly 10 p.y l,"der und.. IhlS GUlrlnty. Thlt wll
b.lrut tvtn K I cannolltgl"y pU"Ullhe ,.m.dy mys.lf, (cll.nder P.ld FIlii. If ea<'ower owes m. mon.y, I .gr.. l,"der will b. p.ld b,'a<.llm.
In legellorml, Ihle meen. ea<row.... debls fo m. .r. .uba<dln.l.d to eorrowe,'. debt. 10 l.nder. (dl Conllnulng LI.blllty. I w.lve Iny dore_'h.1
.rtlel ber.ause 01 Iny dlsabUlty or any olher defonse 0' Borrower or because Borrowe, IS no longer Uoble to lender for any r.ason. I speclftca"y walw
Iny rights Of' defenses undef any law, Including any -one action- Bnd -.nll-dellclency" law which may prevenllende, "'om brlnglng I d.fk:lency action
agalnll me I"'" bringing any 'oreclosure .cllon, ell her JudIcially or by exercise 0' I power ", sale, (e) Counlercle4ml. I fur1her waive and. to lhe
.xt.nl not prohibited by law, loree nollo assert or claim at any lime anv deduction 10 the amounl guaranteed under this Guarlnty for Iny claIm of
..loll, coonlorcl.lm, Of oImll" righi, wholhl< such cl.lm a< rlghl mly b. ....".d by ea<rowpr. by"'.. or by bolh 01 us. ('llmpal,manl 01 CoIl.I..aI. I
.tac waive Iny rlghl to claim I dlschlrge 0' my Guarlnty on thl basis of unJustlflabl. Impairment of Iny Collaleral securIng any amounts due from
Borrow..., Th~ Includes without "mltltlon waIver 0' any right 10 requIre lenr1er 10 pe,fect Of' matlllsln perfection 0' Iny security Inl.....t In any such
CoItIIt.al, Cg) Nolle... I wllve Iny requirement of lender 10 give m. nollce of the terms, lIme, and pll!lce 0' any public or prlvlle Site of Iny cotlll".'
securlnv lho Nol. Of 10 comply wllh .ny olh.. .ppllc.bl. provision. of Ih. Uniform Commt<cl.1 Cod.. (hi Olher W,'verl. I und.,,'.nd l.nder will not
give up .ny of Its rights und.. Ihls Gu."nty unl... II doeo so In wrlllng. The I.cllh.,l.ndor d.l.ys a< omlls 10 .aerclsa .ny righl wll not meen lhol
lander hll gtven up that right, "lender does agree In wrtllng 10 glvI up one of Us rIghts, that does nol mf'an I will not have 10 comply wllh the other
pro-AsIonl of Ihls GUlf.nty, I ItS 0 understand thlt If lender dOM consenllo a reQUesl. that dnes nol mean thai I will not have 10 get lender', COllMnt
10aln If the "Iulllon hap,en5 again, I furthor unde,stand thll just bftClluse lender consents 10 onlt or mOfe 0' my requests, that does not mean
llnder wIft be required 10 consent to any or my 'uture reQu~l'5, I waive prMenlment, demllnd ror payment, prates!, and nolk:e 0' dIshonor.
NATURI! OF GUARANTY. l.ndor dots nol h.v.1 .lIocllv.. II will b. 'lIocllv. wh.n I sign holow .nd wi" con"n"" In
."..,1 unlll." .mounts I hlv' gUI"nlttd a< olhorw .IQ(HIBIT Gua,.nly h.v. b,," p.ld In full.
GUARANTOR'S FINANCIAl STATEMENTS, I he I I') IIder Ih.1 I.) Ihe m051 recenl nn.ncl.1 .,.t.m.nls I h.v. glvon 10
llnder ere IrUl .nd ca<rtelln .11 'especls. Ib) Ih _ IlIon .. ollh. dBt. .hown on th. .1.I.m.nls. and (cl no moltrl.1
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.d'\,wrM chll1Qt NI occurr.d In my rlnanelll conditIon little' thai dllle.
MIIICBJ.AHI!Ol/lI PROVlfIONS. Th. I,,"owlng "'I.e.llall'ou, pro'Ji.lo". 0... po, I ollhl. Guara"ty:
Amendm.nll end Inlllpr.I.llon. (a) Whall. wrlll.1I I" thl. Gu.ra"ty 10 my .1111.. agrOlIl1.1I1 wllh L."der. lhl. Gu...nly may nol be el\lnged
.~I by .nother w,lH.n .grllm.nl b.tw..." u., (bill mOl.lhan 011' Pl/'on .ign. balow, ou' obligallon. a.. 101111 .nd "Vlfal, Thll......'" 11\11
In. words '," "me,. and "mY- me." Ilch and eve,y pillion Of enlily sIgnIng this Gua,anly, Ind that,ll Lende' brings. lawsuit, lender mlV IlJt any
one Of mOte of UI. I Ilao under,tand Lender nHd nol SUI BOHowe, ",ai, and thai Borrower need not belolned In any I.wault. (c) The namM
given 10 parlgraph, Of MCllon, In this GUlrenly I'U lor convenlerlC' pUlpcnM only, The)' ar. nollo be used to Inhttp,.1 Of derlne the prO'-MIUIlI
oIlhla (IUllllnly. (d) I agr.. Ihll Ihl. Gu...nly I. Ih. b..1 .'Jid.nc. 01 my agr.."",,,I. wllh l.ndl/. II. eourl ""d. Ihll any provlalon oIl11la
GUllranly It nul vlnd 01 Ihould nol b. .nlore.d. Ihal Ilel by 1I.e11 will nol meln Ihal Ih. rnl ollhl. GUl/anly wiN nol b. vlnd '" .nlorced.
ThIt,fDfI, . court wHI .n'()f~ thl rest 01 the provisions 01 thIs GUlrlnly IYI" \I . provision 01 Ihls oUI'lnly may bl found 10 be I"wld Of
unenlor_bll,
AppIIc..... Low. Thl. Gu....1y h.. bIIn d.llver.d 10 L.nder .nd occopllel by L.nder In Ih. Commonw..Uh 01 p.nneylvlIll.. ,,""'. I. ·
......", I .... upon L.nder'. roqu"1 10 tubmll 10 Ih. IUlllellellon o. th. eourll o. Cumberl.nd Counly, Ih. Com...-.IIIII 01
,"""eylvonll. Thll Gu..only .....1 be govern.d by ..d eonlllulel In oceordenco wllh Ih. lowI 01 Ih. commonw."lh 01 P.nnlYlv.....
A"omey.' ,,,"; I!.pln.... In .ddlllon 10 my guaranly of BOIrow..'. Nol. IS pro'Jid.d abov., II l.lIder p')~ mon.y 10 aorneone .... 10 help
eolllCi on my GUllllnly, I will pay Ihll Imounl a. w.lI, Thl. Imoullllncludlo Lln""'a legll ..p.n... "nd aIlOln.yo' I..., wh.lh.. '" nol IIlIrI II ·
IIWllull, Including ."OIneyo' t_ Ind legal "'POll'" 101 b.nkrupley proc...dlng. (Including .11",1. 10 modify '" v.ell. Iny .ulomellc lLay '"
InluncKon), Ippealt, IlId .ny Inllclpal.d pool-IUdgm.nl collectlOlllll<Vlc... I wiN .1.0 PlY any court co. la, In Iddlllon 10 on olher 'U/T1l pro'Jirlld
byllw,
Holle... I unde<iLand Ih.1 .n notle.. wh.n required 10 b. glv," undor Ihl. Guaranly. whelher hom Lender 10 m. '" hom me 10 l.nder, m",1 be
given In wrl~ng. Notkn wi" nol ba .ffacll"l unlU actuallv delivered Of when deposIted In the Unlled SIBI" maUl "r&1 ellSl, pottlge prepaid,
addt.1ed to thl party to whom lhe nollr.l Is 10 be given It the Idd'lulhown abovI. Any pel Ion may ching. lis addr..s 'Of notk:el undlf ,hit
GUllllnly by gMng 100m.1 w,m.n nollc. 10 Ih. olh.. p..aon 01 p...onl, ,plCllylng Ihal Ih. purpo.. of Ih. nol)c. 10 10 ch.nge lhe porIon'l
.ddf.... I.g'.. Ihll, 10 lhe ..t.nl p..mIU.d by low, If Ih...I. m",.lhln on. p.'aon slglllng Ihla Guaranly, l.nd.. mlY give nollello .ny one 01
III .nd Ih.1 wiN be con.ld...d .. gMng nollc. 10 all of u. unl... Ih. I.w IIqulr.. nolle. 10 all .Ign.... II will b. OUf ,..pon.lblllly 10 leIIll\I 01""'-
of lhe"~ f,om lender. For this purpose, I loree 10 keep llnder Informed .1111 time 0' my ClJrrlnllddrns,
PRIOR TO SIGNING THIS GUARANTY, I READ AND UNDERSTOOD AU. THI! PROVISIONS OF THIS GUARANTY, IHa.UOING THI! HOTICI! TO
COSIGNER IIET 'ORTH BELOW. IN AOOITION, I UNDERSTAND THAT THIS GUARANTY IS EFFECTIVE UPON lilY SIGNING THIS AGREEMENT
AND THAT THI! GUARANTY Will CONTINUE UNTIL TERMINATED AS SET FORTH IN THE SECTION TITLED "NATURE OF GUARANTY". I
AGRU TO AU. THE TERMS AND CONDITIONS OF THIS GUARANTY. THIS GUARANTY IS DATED DECEMBER 15, ltt2.
GUARANTOR,
x~;fj,..O"'l'~\.d _(SEAL I
NOTICE TO COSIGNER
YOU'" belng....1eI 10 ""....nIH Ihl. d.bt. Think c...IIlIIy beloll you do. II Borrower doesn'l PlY Ih. d.bl, you will h'V' 10. Ill..... you
__d 10 pI'(" you h.v. 10, end Ihot you w.nllo oce.pl Ihl. ,uponllblllly.
YOU mey hlV' 10 pi'( up 10 the IIlllllllounl ollh. d.bl Illlor1'ower doe. nol pey. You mey eloo h.v. 10 IllY I.t. ,... or COIIICIIon coli., whIcII
Inc_lIll.emounl.
The crlelllor con COlIecI Ihl. dlbllronl you wllhoul "rallrylng 10 collecl Irom Borrower. Th. c,leIllo, c.. ulllth. ...... collection metllod.
.nll youlhlll con be uNCI IlIIIn.lllor1'ower, oueh .. oulnll you, lII,nl...lnll you, w'III', .tc. IIlhll dlbll. .ver In dellllll. tlIlllecI mey
bIcoIIlI. pert 01 YQl.IB c,leIlt ,ecord.
Thl. nolle. I. not the conl,ocllhot m... yoUII.bl. '0' lhe d.bt.
lARR PRO,AIg. U.I. Pit, I T,M. 0"., v." 3,1IIC)ltt'CFll!hnk",Slflllcl Group, Inc. Allrlghll'.."."ld.IPA-1!10 MI!:NOS.J,LN ntl,QVLI
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NOTICE or INTENT/ON TO FOI~ECLOSE MORTGAGE
Luon No.
.lul, I';, 1~,17
1001:: 3,"0
TO
';~:nIJl: 1 ,'I . 11?r10
;;.:T"'in'-~Jn I,(j,ll!
. I 1 '" "1~-'-;1'
__._{~~~..l S. ' ;.' ,1\, J.!~..:':"-_n~'.
Ollhlll! NOllel1
Ilc5t. HiVI1 Strr!.!t Curl bIll, I'^. lID13
(jil1 Unll)n ntJild" . -----.-.--
Corlj~lc, I'll. 17()t~ ... .-------
. .-. --, Ilr:2..ry3-----.--.--..-..-.--~--.-.--'
IS IN SERIOUS DEFAULT IWCill/SI! YOII hi/VII oot Olillll! tl.w IIwmhly paymollts of S "'..___.._...._....____...___
I I I f :i"y l';<./'iurI" 1')')7 d Jill, 1!''!7
,or t Ie mom IS 0 __ . I _ . .. __ ,on ... -.. ... - .. . .....-.-..-.
anrl/or IWCi/llse ...-----.
TIll! MOrHGAGE Iwld by Ful"l,ol'~ frust C,.'!,4Jpny
(hereinafter we, liS or ourslofl YOllr proplJrl'y locuted at
Late charges and o;her c-Il~-rg~~i-,~~~--;i~~--~ccrlled to this date I~ the amount of ._....J.~.~C ___'_' The total
amount now req~\ired 10 cllre this default, or in other words, get callght lip in YOllr payments, os of the date of this
letter, is Sl "_",..1 .__'
YOII IIJay Cllre this dl!f.111lt withill THIRTY (301 DA YS of tho doto of this lottor. by paying to us the above amoullt
of S.. 1 ,..~.'I"" 1 .__. pillS allY .ulditional monthly paymoms and late charge which may fall dlle during this
period. Sucb PQ)I~nt 1Jl1l~t be mode qither \,y castl, cashle(s <;h.eck, certified check or money order. and made at
__ . 1',,(1,:,,1.. .ru~nviq;any-l :/<25r. 1'1')11 ~.I'(!ct-C<1rlls.I.., fl^,_liOJ3.._______.______.
If you do not cure the default within THIRTY 1301 DAYS, WI! inrend to exercise our right to accelorate the
mortgage paymel1fs. This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of
the amount of defalllt is not made within THIRTY 1301 DAYS. WI! also intend to instruct our attorneys to start a
lawsllit to foreclose YOllr mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgagl! debt If we refer your case to our attorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees. actually incurred, up to
$50,00. However. if legal proceedings are started against you, you will hove to pay the reasonable attorney's fees even
if they ore over S50.00. Any attorney's fees will be added to whatever you owe us. which may also include our
reasonable costs, If YOll cllre the defalllt within tile thirty day period. YOll will not be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and 011 other sums due lInder the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the defaulr and prevent the sale at any time lip to one ,~our before the Sheriff's foreclosure sale.
You may do so by paying tho total amollnt of the lInpaid munthly payments plus any late or other charges then due.
as well as the reasonable attorney's fees and costs connected with tllO foreclosllre sale ,md perform any other require.
monts under the mortgqge. I t is estimated that the earliest dote that slJch a Sheriff's sale could be held would be
approximately dCC 1 ~';; I . .... A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to Cllre the defalllt will increase the longer YOl\: ~it) 'Y19l!. ~find Ollt at any time exactly what
the required payment will be by calling us at the following nllmber:. _ ' ~._'!......:... This payment must be in cosh.
cashier's check, certified check or money order and made payable to us at the address stated above.
You shOt(ld realize that a Sheriff's sale will end your .:Jwnership of the mortgaged property and your right to remain
in it. If you continlle to live in the property after the Sheriff's sale. a lawsllit could be started to evict you.
You have additional rights to help protect YOllr interest in the property, YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT. OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT. PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. AND THAT THE OTHER REQUIRE-
MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FOR
If VOIl {'lI(f! rht.l dvt..wlt, t/l
you dn~ not 1!r1tltlt~d to tllis rl( I
EXHIBIT
f
HI ro (hi} sanw posit 1011 as if no dtdault had occurrod. However,
on~ than thn~l! times In any calendar year.
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NOTICE OF INTENTION TO FOHECLOSE MORTGAGE
TO I;(,tll f\ ,\cl.ley
. -- li41 UlaJlI ,10,)0
--Curli sT,,;-ij7i; 1 7ll i ~
Dal. "f NUllc. ,lu I y 16. 1997
LODn No._'000G3~l)
\Iest lit Oh Street-Carl i 51 e, P^. '7013
~41lJlli (jri-Iload-.---- ------------.-
C3rlIS'~t PA-.T7013 ,-----------
IS IN SERIOUS DEFAULT pp,Cilllse you have,wr nJado ;hei;;n;h;;~~v'~ents of ~ --'lGZ:'JT--~-=--_
for the months Ofl----'!~X..'-~l _ II --.-. unfc ~ 1 ~77G2 u__, and __..l!I)'_J.~.QL__,
andlorbecouse ,)'C<J l:"arGE~: In_.'_~ll..Jr.10Ul1t 'J', .. .
Late charges and other charges have also accrued to this date In the amount of ______ . The total
amount now required to cure lhls defeult, or In other words, get caught up In your pa'fments, es of the date of this
leller, Is $ 14S.li,': 1 . _. .. ___ .
YOIl may ClIre rlris default within THIRTY (30) DA YS of the date of this It/tter, by paying to us the above amount
of S _,!';~~l_. .11. _._, plus any additional monthly payments and late charge which may fall due during this
period. Such pa'lment must be made either by cesh, cashier's check, certified check or money order, and made at
___.-J:ilrnl~rLW!g C9m[J,lnY-J_YJ!l~tIJj gh_ Strf:et~CiJrlJsLe.....E!I. 17013 .
If you do not cure the default within THIRTY (30) DAYS, Wl1 intend to exercise our right to accelerate the
mortgage payments. This means that whatever Is owing on the original amount borrowed will be considered due
Immediately and you may 10le the chance to payoff the original mortgage In monthly installments. If full payment of
the amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgeged property will be sold by
the Sheriff to payoff the mortgage debt. If wa refer your case to our attorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
$50,00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's feel.
We may also sue you personally for the Jnpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale.
You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under t~f< m1{fgage. It is estimated that the earliest date that such a Sheriff's sala could be held would be
approximately _:.~__:._I.__. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you f?ir, rf.t\ ~5Ynd out at any time exactly what
the required payment will be by calling us at the following number: __.__. - . This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address staled above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
Af\.OTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE-
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NONEXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FOREC
The MORTGAGE held by F.lr"ll'r~ Trll,.atC.)mpany-1
(hereinafter we, us or ours) on your property located at
If VOll ('/lfl.' flU! dl.'faul t, (hi} ,
YOll iHP /lot l~ntitll!d to thl<; nqht
IL
(0 (hi.' SiJllJt.l positioll as if liD default hacl uccurred. However,
e than th,,,,, times In any calendar year.
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ACT 91 NOTICE
TAKE ACTION TO SAVE YOUA HOME 'AOM ,0AEClOSUAE
Till! ClJlIljmHl~l'U'ltl OlllIJnrlll~I...IltUlrG HIJmJ.l'l~Il"'G' EnuIIlJ"lh:'" M'HI'j.lljl/,A,hbIIllIlWIJ PW\jhIIl1I11UY 1m 1I1lhlll) flltl" ~IJIJ llUAlJ thu liJIIQ~UlO 111)11(1) hl hnlJ lJul tlQW Ihe proU'lItl1
'^'t)I~Pi
II )'llU tllllllllllOfU 1Il10tfllnltUI1 cnU ttll) Punllby'....."'.I'lIJlJbUhJ f "111111.11 AIJUlII. Y .11 I tHOUl :J4~). ;':JIJI
lIlIlUIIIIl:UCIOIl dlllllJJUllln II' tJu "'mill lI11puIlIUlCIII.lllllH~ .1101"1,1 fill "1!tHrtll' II InnlullHII 'f''vII'fH'll Ill! hit ':lIti,1 ~j, lH) U;IIlPIUfllJUltl (IJ"Iul1uJo 110 IHHo I1llllhcaclon obllmQll uno
IfllllucclOllllllflllhll/lllUllunlu U4ItIlJlIltlllllftlU lllllllh:IIIIPI'mllt)I....II1I'IIl')lJb"l" I '111l11rll.Allullr~J "Oil lll/lJOIj 411 t1lJtIlIJtI' ttll!llrll)l1IIl'lJ limbo PUlWUIS IllH I.'llIgltJhJ 1Jf1'O 1.1Il p'OGIB,"O
pm ,,1 PH,JU'"l1llllllHlllI1JI) "HolllulJWIlUllf trll1ll1\Jllt\r~ M'JIIWhlll /l.1I1l1~1.lll' II I'I'Hl'mll tll 'IJilII'W.',lll ~,llv'" ~'J 1111111 (Iu Iii pllr1llillJ dllll1lHudll) I' 'lIdl/llt, flU IllPOlQcq
AE A":counl No
ACT 91 NOTICE
IMPOATANT, NOIICE 0' HOMEOWNEA5' EMEAGENCY MOAT GAGE ASSISTANCE PAOGAAM.
PLEASE AEAO THIS HOTICE.
YOU MAY DE ElIGIDLE 'OA 'INANCIAL ASSISTANCE WHICH CAN SAVE
YOUA HOME 'AOM 'OAEClOSUAE ANO HElP YOU MAKE 'UTUAE MOATOAGE PAYMENTS
1UlIlJlJ39\: OBI. .1ul y 1 G. 1097
TO
FROM
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.\1: 1 ~:':'-'II+ 1 till' viI
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'(ou m.v b. .lIglbl. for IInlncl., Iul.t.nc. 'h.t will preov."t roreclo,ure on your mortglg. If you comply wllh Ih. proVlllon, of It\. Momlown.'" Emerg.ncy
Morlg.g. Allllllnc, Act or 1883 \'h' "Ac."), You m.y b. .lIglbl. for .merg.ncy ..mporary .nII18nc. U your d.'aulI hll b..n c,ulla by clrcumll.n,.. b.yond
you, conlrol, you h.v. . '...on.b I pro.p.cl (1' ruumlng your morlgDU' Plym.ntl, Ind If you mill olher .lIglbHl\y requlrem.nl, tll.bll,hld by the Plnn.ylnnl.
)iou.,ng 'Inlnc. Ag.ncy. Pi.... rlld.1I 0' Ihl, Nollcl.1i conl.ln, In ..pl.n'Uon 0' your rlghll,
Unl.lor tho Ac!. YflU IIro UtltlllQ1110 1I10mpOfIl'y fllny 01 h)tl.lCIOIhJIIl 0.)1\ your lIlononlJo fm Ihllly (JOI tJiI~e I'om Iho (jato ollhlll Nollce. DUling Ihalttme you muM arrange and
allend a "Iaco-lo-fnco" mootlr'l) With 0 luprll5~nlllllvo 01 IIWllot1der, 0' wllh II d0511lnntl1d COtl6lJIIlIH crudll cotJ/lllolll1Q llQO.ley The pWp050 or Ihlll meeliMg lIS to atlempt to work
out n roplJ'yfTlUnl pion. or 10 (JUlu/wlIle !iOllle YOlJr dlJlmqucllc'y rhus tllcctttlo tnlJIU OCCur !tIlhe nO)llllltly 130) days,
II you lltllmd a 1l1clHo-fncQ t1l1JOl1I1U WII!' tillS 10111lor, 0' WIt/Ill COI1!5\JIIlCf "lll'll COUn5tllll1g fJ!)Ol1cy IlJonhfllHJ If1lhlS nollce, no lurlher pfoceedltlg In mo,tgago ror6clo5ure may
take place Imlhltty (30) dllYS nllU/ tho (j/llo o.)r thlli tI1llotltlQ
Tho name, address and hllophol1o numbo' Qf our feplosentnllva 15'
.JJf::\ V lfUt,:tli ~f)n
11,1 J hi Lil\1t 111~rl'.';iY
l.af II~: 1 Q, t'el. Ill;
( ,. II .: ~;t I - I I :J~;
Telepl\one NumO<<lr
Tho nomels), IJddroISIOIS). and phone numbu'lI 01 (01) fJeslgnnted consumer crlJdll counullng agencY/ills) II (atol'
Y ',! C .A.
'.:01 r; SteQd
C,~l"liSI~. P^. 11013
tllS anI)' neeesallry to schedule one lace.to.loce meellng, You 5hould advlIS' Ihlslendor Immel:llalel)' 01 your Inlentlons,
Your mortgage is In default bft~".y~~~ hOlle lolled 10 pa)' promptly msll1UmenUI 01 prinCipal Dnd In18re51. alt reqUIred, for a pellOd 01 al teast Illlly (60) days, The lolat amounl
ol'ho doUnquo""y,. S 1 . ThOlllUm ll1e'Ydotlhe '''I''',,'r.' f r 7 . .-
~ "'(JlI"~ Y :'ot,P.11L" of ~,I-'!..,I" "den TfW 1\-1 .IOllLh~ 0 "i]'1 199 , JUI1\l 19\i7. and July 19~',
,HII] I;i .I~ c 'J"I]I~S 1i11lk 11"IIur;t. ,jl' :, 11/.01.
Your morlgage lit also In dolaulllor lhe fOllOWing reasons:
II you nave lrled and are unable to ""101'10 thiS prot.rlem al or niter yew Inco-to.lace meellng, you have the rig hi 10 apply lor financial asslslance Irom the Homeowners'
Emergency Mot1gage AUIBlnnco Fund. In order 10 do IhIS, you mu~l rilt QUI. sIgn and Ille a compleled t'omoownotll' Emer~ency AUlslance AppllcallOn Wllh ono Qllhe
de51gnaled conSUn1lSr credU counllOI1110 agenClal) l181ed In the allilchmelll_ An appllcotlOn for BSSllllancs moy only be obtained Irom a consumer credit counsaung agency. The
consum'H credll counseling agency will BUI!)1 yuu lflllUtng oul your i1ppllcBllon and will submit your completed applicallon 10 Ihe Ponnll~lllanla HOUSing t:inanceAgency. Your
appllcallon must bellied or postmnrked, Within thirty 1301 daye or your IOclHo.lnce me.lIng
II IS oJ/,remely ImpOf/ont /hal YOl) file YOI)' nppllCI1IIOIl promptly II you tto nol rlo 50, or II you dO nor IOllow /flf1 ,,/he, t1mfl pt1ll0dS set form In m'ff 18Ut", foreclo~JU'e may prOCf1ed
a!J8Insf yOtJI flomo Immed/moly
AVIllI,1ble funds 1m Ilmurgency mortgaqo iHI~tSlancrl fltlJ vtny (IITlItud Tl10y .....111 hlJ tjlsbweed by 1M Agency unde' the ~lIglblllly crrterla established by 'he Ac!.
111$ oxtrllmely Impr)rlnnllhat your nppltt;ittton 1m ilcc;u,nlu <lnd Cl)mpl~!H In I~Vt.'fY Illspect Thll Pf~nnsylvllnla Housll1g FinanCe Agency hasSlltly (60) days 10 make a deCillion
alltH It rectllVU!l your nppllCilltcm Ourml) "1/11 ;j(ldllt()llil! ll1n~, flU h)/Ui:IO:lull! prIKUtllJIIl!]:l Will be pursuud 1I1lamSI you II you have mellhe time reQurremenls set 10rll'1above. You
wtll be nOll'tel1 dlrtH;tly by lhill Agllney ollIS dOWilon l)rl y~lU/ lIpplli:illton
rha Pennsylvania HO\Jsmg Flr1ilnCO Agonc;y 15 h)calf!IJ al ~ 1 0 1 NmUl Front Strllol, Post Ollleo Box ij029, Hl1ttlllbu,O, Pannllylvanlo 17105, Tetephone No, 17' 7} 780.:1800 or
, -AOO-J42-2J97 (toll Iree number) PerS0f15 Wllh ItIlPIlIHJll rllHlftng ClItl (1\11 1.ijOO.34;:>.2397
In adejlllon Yl)U may receive nnOltler notlCo fllltll HIt!\ IlH1<II,H iH\{J' nolll;o 15 e,llIad tho "'NollcQ Qlll1tenllOn 10 Foreclosure" You multi read bOlh nOllces, elncs
they bolh e..pln," /ll)hts IIHIl YIlII nr,'N h,1vO Willi chooso to IlXIl/CISe your rl\Jhlt'o (jesctlbed In thIS nollce. you connOl be' foreclosed upon
whlla you are recelvlllO lhAl ,1Illlletan(O LIBIT
. Very truly yows,
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