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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY.
PENNSYLVANIA
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
CIVIL NO. 97- '/1/.1.- ('",/T;.,-
FINANIAL TRUST COMPANY,
plaintiff
RICHARD D, SHERMAN. and
MARY ANN SHERMAN.
Defendants
~OMPLAINT
AND NOW, comes Financial Trust Company. through its
attorney. William A. Duncan, Esquire. and files this Complaint
in Mortgage Foreclosure. of which the following is a statement I
1, plaintiff is Financial Trust Company. a corporation
organized and existing under the laws of the Commonwealth of
pennsylvania with its main office and principal place of
business located at 1 West High Street. Carlisle, cumberland
County. Pennsylvania 17013.
2, Defendant. RICHARD D. SHERMAN, an adult individual, and
Defendant. MARY ANN SHERMAN. an adult individual. are husband
and wife. and reside at 40 Beech Street. Carlisle. Pennsylvania
17013,
3, On or about December 24. 1992. Defendants made.
executed and delivered to plaintiff a note and a real estate
mortgage financing Sixty Five Thousand Dollars and No Cents
($65.000,00). a copy of said note and said real estate mortgage
being attached hereto as Exhibits "A" and "B". respectively.
and are incorporated herein by reference as though fully set
forth,
4, Said not~ and said real estate mortgage have not been
assigned.
5, RICHARD D, SHERMAN and MARY ANN SHERMAN are the sole
record owners in fee simple of said premises subject to said
mortgage, by virtue of a Deed dated and recorded on December
24. 1992. and recorded in the cumberland County Recorder's
Office in Deed Book "B". Vol. 36. Page 185. more specifically
set forth in Exhibit "C". attached hereto and made a part
hereof. by reference,
6, 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 of May 1997. June 1997. July
1997. and August 1997. monthly payments in the amount of Six
Hundred Sixty-eight Dollars and 49/100. ($668,49) per month,
7, The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983,
dated June 24. 1997. a copy of which is marked Exhibits "F" and
"a", and attached hereto and made a part hereof by reference,
8, By reason of the aforesaid default, the entire
principal balance of Sixty Four Thousand Eight Hundred
Sixty-two and 99/100 Dollars. ($64.862,99) with interfJst
thereon at the rate of 8.84% percent per annum, and attorney's
fees in the amount of Three Thousand Two Hundred Fifty Eight
and 21/100 ($3.258,21) are now due and payable,
9, The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A, Principal amount and interest
due though 8/27/97 $ 64.862,99
B, Late Charges: $ 298,19
C, Attorney's Collection fee: $ 3.258,21
TOTAL: $ 68.419,39
WHEREFORE. plaintiff prays the Court to enter judgment in
favor of Plaintiff and to order the foreclosure and sale of the
mortgaged property and for the amount of Sixty Eight Thousand
Four Hundred Nineteen and 39/100 ($68.419,39) together with
interest thereon. costs and all other amounts advanced by
Plaintiff,
~i~J.Yh~b:.~
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
PROMISSORY NOTE
Maturity [ Loan No rcarncotfiicra'l
1 _ ~~?.. ..12-24:,,2017 . . ..... ..~.I_. .
Aahuencos in the St10dlld area tift) rOll_~!1(l~"S ~l!.. only 81111 do not 1111111 'h~~J!~Cllbll,IJ~~~JJoC!!!~~~~t.E!!!.!I~lJhlf tOllrt Ot IIOI1l,
Account
., J o~~~r L'~~~~'~.
Borrower: Richard 0, 5herm.n
Mary Ann Sherman
40 Beech 51reel
C"lIo1e, PA 17013
Lender: Famuus lrUNI Compnny
Main Office
Ono We.lllIgh SI"el
Cerll.le. PA 17013
--,---:~'--:-'-'-"".-:-,-:-"'~"'.r'"""=-=
Principal Amount: ~65.000,OO Date of Note: December 24, 1992
PROMISE TO PAY, I proml.. 10 pey 10 Fa,mer. Trual Company ("lender"l. or o,der. In lowr,,1 money or Il1e Unlled Slel.. o' Am"lca, Ihe
princIpal amounl o. SI.1y FIve Thousend & 00/100 00110" (165,000.001. logalhar Wllh Inlere.1 on Il1a unp.ld principal belanco 'rom o.cem~'
24. 19112. unlll paid In lull. The Inlere.1 role will nollnc"a.. above 10000'~,
PAVMENT, Sublecl to eny payment changH ,e.ulllng from chongeolnlha Ind...1 will pay Ihl. loan In accord once wllh Ihe rollowlng payment
Il(hedula:
36 conlecullva monlhly principal and Inlere.1 paymenl. or $490,96 ellCh. beginning January 24, 1993. wllh Inl"..t
celculBI.d on Ihe unpaid prlnclpftl bl1lonces at 1111 Inleresl ,ole or 7.760% per annum, ftl1d ;21\4 cons.e<:ullve monthlv prlnclpal
end Int.real payment, In Ihe 1"111811 amounl or S4~,14 Bechl beginning January 24. 1U96. wllh Inlere&1 Cllculaled on Ihe
unpaid princIpal balances al an Inlere61 rail! or 3.SOO PfrcentnQe points over Ihe Indlul described below, My nnal payment
will be due on December 24. :2017 IlIld will be 'or all p,lnclpal and ftCcrued Inlllute' nol V.,I pllld. logether with anv olher
unpaid emounts under this Nole,
lntertltol on this Nolo 15 computed on 11 30/360 !llll1pltlllllor(lst bli~I';; !hIIIIS, wlll1lho tl~Cllpllon 01 ~)d(1 dflY~ In ttlo IlIsl pnynmnl pednd, monthly Inlorosl
IS t:olculnled by applYing Ihe rl1tlo of Ihe linmlnllnh:>lP!lt rHto over II yMII cl360 (Mys, limn!'. tho t)ul~,lilrHI1I10 pl,ndpnl hnlf111t:o, hrn05 f1 !nunth Of 30 dllYS.
l/lterest for tho odd days is calr.utnlcd on the t:lll':.IS of \110 ACllJol dAYS 10 1110 n~llllLJII monlh Bnd Il 3f)()- dAY y('/U l WIll PRY Landor nllend~,'s addres:$
shown abovo or al such other place Q:; Lender 11'11'1 d~slonnhJ In WIlting, UIllo5S olhf'lfWISn flornod 0' 1MllJ1rod by Rppllcnhle law, pAymonts will be
applied f1rsllo Ilccrued unpaid Inlorosl, Ihen 10 princlpnl, And nny renlllll1il1Q nmOlln! 10 Any IlflpOlf1 r.ollnrtlQn (osls Andlnle chAr005,
VARIABlE INTEREST RATE, Tho inlerost ralo onlhlS NotA is stJt)jOcllO chllllge horn hmo 10 tlJllC' 1)I15tHl on r:hAJlQf'l5 III nil indox wlllch is tho Monthly
4Vijroge 01 weekly averago auclion rates on Unltod Stat05 Troa'1wy r~llls with a malurlty 01 f-,IX mOl1lhs, (lhO "1r1dHX~) Your Intluost rntA will nol IncroaS6
or decrease II a change in tho indell: IS lass Hmn onc-I1l/lulor perr:entagA Pf)llll on Any chango dilln. LRndor will loll mo tho ClJfrellt Indox rate I1pon my
request. I understand thai Londer may mako ICRns based on olhor rl1lm. AS woll. The Inlorost !illO chAnoo Will not occur moro ollen IMn 9scl, year,
The Index currenlly Is 3,350% per annum. The Inlerosl role or role. 10 be applied 10 Ih. u/lpold principal balance or 1111. Nole will ~ Ihe rala
or reles sel forth above In the "Payment" 5Cclton, NotwithstandIng any other provision of thIs Nole. the variable Inlerest rafe or rdles
provided tor In Ihls Nole will be subject 10 the following maximum rale, NOTICE: UndAr no clrcurllS1lH1Ces wilt tile Interest mle on this Note be
more than the lesser of 10.000% per annum or tho nlllXUl1Um rate nllowod by applicllblo lAW NotWllh!-lilrHllng Iho above provisions, the mRlllmurn
Increase or decrease in the Inleresl role at Bny on8 tllne on thiS loan will not ellceed 2000 pC>lcflnll1OP f)OllllS, LJnll!ss waIved by Lender, any
Increase In Ihe Inlerest rate will Increase Ihe amounts of my pavments,
PREPAYMEN'T. I agree Ihal all loan fess and olhor propiHd finaner. chnrges Aro ealned rully 11<; 01 Iho dn!a .)1 the lORn and will nol bo subjecllo refund
upon early payment (whether voluntary or ns n re!,l)1I of defAult), Oll(:t~pl AS alllelwiso reQUlled by lAW, Fxcept for Ihe foregalrlg, I may pay without
penalty alt or a portion of the amount owed ol1rller IhAn II IS due, Early pAyments will nol, untC'':)s ItQleo(' 10 by Lender III writing, rellevo me of Iny
obtlgallon to continue to make paymenls under the pl1yrnonl schorllJlo. Ralher, thoy Will roduco nIl' pfinr:1pilt bAlnnco due and may foslJll In my makIng
'ewer paymenls,
LATE CHARGE. If a payment Is 15 days or more late, I will be Chl1!gp(j S,QQQ% of the regularly scheduled payment.
DEFAULT. I wUl be In delault ilBny of Ihe follOWing happens: (11) I fail to mal(o any payment when duo. (b) I break ony promise I have mado 10
Lender, or I fait 10 perform promptly at the lime and strIctly III Ihe manner pfovided in this Nato Of Any nGreomenl ,elated 10 this Note, or In any other
agreement or loan I have WI!', Lender, (c) Any represe/ilalian or statement made or IUll1lshed 10 lender hy me or on my behalf Is '~1t5e or misleading II'
any material respect. (d) f die or become Insolvent, 11 recolver Is appoinled for any nrHt 01 my property, t mllke an Assignment ror the bene'it of
credItors, or any proceeding Is comm~nced either by me or agaInst me under any bankruplcy or 1I1sol"'<JIlCY laws, (e) Any credilar hlos to take any of
my property on or in which Lender has a lien or securlly interest. ThiS includes a garnishment of any 01 n','1 Accounls With Lender, (I) Any Qlthe
events. descrIbed In this defAult section OCCUIS with tf~spectlo any guarantor 01 lhls Nole
LENDER'S RIGHTS. Upon detault, Lender mAY deClAre tho ontlfe unpaId prinCIpal balance on lhls Noto and alt accrued unpaid lnterestlmmedlslely
due, Without notlC!}, and then I will pay Ihet amoUl~1. Lender may hire or pay so moo no elso 10 herp cotlnellhls Note if I do nol pay, I also wllt pay
Lende( that amount. This includes, subject 10 Any limits under appllcablo law, Londer's altornoy:s' 1085 ano lender's legal ell:penses whether or not
lhere Is a lawsuit, Including allorneys' fees and legAl exponses 'or bankruplcy proceedings (Inr.llJdlng oUods 10 mOdify or vacate any automallc slay or
inJunction), appoals, and Bny anticipaled post-Judgment colleclion SorVICOS. If not prol11bitfld by Bpplicnhle tAW, I al50 will pay any cour1 costs, in
addiUan 10 all olher sums provided by law, II judgment 15 eniSled In connecllor, WIth Ihls NOlA, IIllertlst will continue 10 accrue on this Note after
Judgment at Ihe InlerMt rale appllcablo to thiS Nole III lho lime jlJdgm9Jl1 IS enlered, This Note has beel1 delivered 10 Lender and accepled by
Lender In the Commonwealth of Pltnnsylvanla, If there Is a lawsuit, I agree upon Lender's requeb'o \0 submit 10 the Jurlsdlcllon at Ihe courle 0'
Cumberland County, the Commonwealth of Pennsylvania, This Note shall be governed by IInd construed In accordance with the lewe 0' Ihe
Commonwealth 0' Pennsylvania,
RIGHT OF SETOFF. I granllo LendAr a contractlml p()5~()r,"nry ~nr.wlty Int(lffl'itlll, Bnd horoby R,;r,IQn. convny. dollVflr, plodge, and lransftu 10 Lender
all my right, title and intero51 In and 10, my accounls Wllh l ondl~r (v.hnlhm chec.lo.lng, r,Il'JIIlgo;, or ~omo oth(>r accotJnlj, including without IhnUallon III
accounts held jointly wilh someone el5A and flit ll.(.l~OIHll') I mAy opon Irllhe ruluro, nxcllJi"llng howov€r 1111 lilA, Koogh, and hust ar.r:nunls. I aulhorill
lender, to the o)(lenl perll1l11ed by appllcllble II\W, If) r.h.lr~t1 (Jf !ifllol1 nll.slJrn~, owmg on It1l'i Ncjlo I1Qol,,",1 r,ny I1rlo,\lI ~tlch Rccounfs,
COlLATERAL. ThIs Note i5 soclJred by B ModlJWJfJ dn!nc1 I")t}l"omhw ;1<1, 1:'9:>, 10 l f'lndor 011 ,o(ll ploperty IOCB-tad In Cumberland County,
Commonwealth 0' Pennsylvllnia, aU 1M IArm~ flnc1 (~,ir1 I' f whwh IUfl hlltl1h Inr.nrpnrAtflCl nnc1 mAd... A n",t 0' Ihls Nole.
EXHIBIT
'-L
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RECORDATION REOUESTED BY:
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Farm.,.. Trull Company
Onl Wljlt High S"ee'
,J:anrIli, PA 17013
r,!,cr n:- ::fi
or DCCO::;
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WHEN RECORDED MAIL TO:
F...m... Trull Com piny
Onl W.., HIgh 81,..,
CerUlli, PA 17013
'8, DEG2I!
Af'1ll 21
SEND TAX NOTICES TO:
R1chlld D, Shltm.n Ind Miry Ann Sh.""on
40 Beech St,..,
C.,UIlI. PA 17013
SPACE ABOVI! TIllS LINE IS FOR RECORDER'S USE ONLY
MORTGAGE
THIS MORTGAGE IS DATED DECEMBER 24, 1992, between Richard D, Shllrman and Miry Ann Sherman,
owner(a) In fee almple, whose address Is 40 Beech Street, Carlisle, PA 17013 (referred to below aa "Grantor');
and Farmera Trust Company, whose address Is One West High street, CArlisle, PA 17013 (referred to below aa
"Lender").
GRANT OF MORTGAGE. For valuablt conslderallon, Grantor grants, bargains, sells, con",evs, 8sslgns, transrersl relelSll1 connrma and
mortoaoel1o lender all 01 Granlor's nghl, IIth~, nnd 111101'051 in 811010 the following describod rool prOPOfty, 'ooelhor with all oltlsling or 5ubsoquenlty
erected or afflxod buildings, Improvements and fj)duros; nn shoots, lan05, alleys, p8!iSages. And ways; all easomonts, rlghls or way, III IIber1les,
privileges, lanemants, herodllBmel1hs, snd appurtenAnces thereunto belonging or anywiso mAde OPl1ullonanl horealler, and the revQr510ns and
remalnlj9f5 with respoclthereto; aU water, watQr rights, walorcour5~s And ditch Ilghls (Including stock In ulllitlos wllh ditch or irrigallon rlgnls): and all
olher righlsl royalUes, and proflls relating 10 Ihe rPool properly, Including wllhoullimllahon all minerAls, all, gl1S, geothermal and similar mailers, located
In Cumberland County, Commonwealth of Pennsylvania (the "Real Properly"):
see Exhibit A township: _-l"o.~'th ~~icidl"',1I1
The Real Property or Its address Is commonly known as 40 Beech Street. Carlisle. PA 17013.
Granlor presonlly assigns 10 Lender aU of Granto,s right, tillo. And Interesl In Rnd 10 all IORSOS of the Prop~rty Bnd all Renls hom tho Proper1y, in
adddlon, Grantor grants to lender a Uniform Cammo/clol Code spcurity mlerast inlho PQlsonll1 Properly and nonts.
DEFINITIONS. The foilowing words shall havQ the followlnO m8Bni,1gs whon used In thiS Motlgllgo, Tonlis not otherwise defined In this Mor1gage shall
have tho meanings atlrlbuled 10 such terms In the Uniform Comm(lrcllll Codo. All reforOr'c9s 10 dollllr mnOlj"ts shall mean BiMounts in lawful money of
the Ur,lled Stotes 01 America.
Grentor, The WlAd "Granlor" moons Richard 0, Sherman a.nd MlIry Ann Sherman, The Grnntor islha moilgngor under Itlls Mortgnge,
Guarantor. The word "Guarantor" means and includes wllhoutlimilahon, each and nil 011110 Quarantar!', sureties, and accommodallon parties In
connection with lhe IndebtedneS5,
Improvements. The word "Improvemonts" means and Includes Wllhout limilation all p.xiSllnQ Gnd fuluro Improvements, lixturesl buildings,
structures, mobile homos olfixed on the Fleal Properly, faclUtles, IldliiliOl15 and othor conslruction on Ihe Real Properly.
Indebledneas. The word "Indebtodnosr/ fT,eans alt princIpal and Inlerest payable under the Nole Bnd any amounts expended or advanced by
Lender to dlschargo obligations 0' Granlor or e):penses incurred by lendor 10 enlorce obligations or Granlor under thiS Mortgege, logether with
Inlerest on such amounls as provlded in this Mar tgage,
Lender. The word 'l.endor" means Farmors Trust Company, ils successors Rr,d assigns, The Lender is tho nlOllgagee undor thiS MortgAQ8.
Mortgage. The word "Mortgage" moans Ihls Mortgage between Grantor and Lender, Bnd Includes WIthout limitation all assign men Is Bnd security
Interest prOVisions relnting to Iho Personal Propp.rty Ilnd Renl5,
Not.. Tho word 'Nolo. moons Iho promIssory nolo or crodll ogreemont doled Deo.pmber 2.1, 1992, In (he original principal amount of
$66,000.00 from Granlor 10 lender, togtllhOr with all renewais 01, 9)(ton510n5 aI, modifications of. rellnanclngs 01, consolldallons at, and
substllutions lor Iho promissory nclo cr oglOomenl. NOTICE TO GRANTOR: THE NOrE CONTAINS A VARIABLE INTEREST RATE,
person.' Property. The words ~PersonAI Property" moan all eQulpmenf. hturos, olld other BrUclo5 01 porsOIlRI proporly now or hereafter ownod
by Granlor, and now or heroaNt1r AllBchad or afflxod to tho Roal PropOlly; togethor wllh All Af;cn5510tlS, pnlls, And additions to, BII replacements at.
and III suboslltutlons IQr, any or 51)~h proporty; find together wllh nil proc&Bd5 (Inr.ludlng wllholJl limllAtlon all insurance pf()ceeds And relunds of
promlums) from Any Mia or oth~f dl~posltlon oflho Properly
Property, The word HPropellyH nwon5 collecllVllly lho Ronl Propelty Rnd Ihe Ppr!lonal Propl)dy,
Real Property. Tho words 'Hp.-ll PrOptltly" mtlltl1 t c1t;l'\cflhfld IltJOVO lolhf1 "Grnnt 01 Mortgage" socllon,
Rel.ted Documents, The worrh l1olotod noc: ISIT H)ul Ilmllntlon all pr\)raissory not9s, crodl! B(lroomenls, 10Bn
A~reemenI5, gUllrBnll(Js, security nQroomonl~, mOl , Ilor lIl..lr lJmllnl5, alJrf.<om.lnls and oocumenls. whllther now or
hereafter l)XIGtlng, oxocuted In connection wllh Iho
Renls. Tho word 'T1onloi" rnll,\n!i ;ill pH~r,f1rlt (l11( IS!"l)()r" rOYilaiA~, proMo;, And olher benerJl!\ derived Irom Ihe
Prope,ty,
THIS MORTGAGE, INCLUL",G HiE ASSIGNMENT OF RENTS AN Y INT"H..$T IN THE RENTS AND. )'olAlo PROPERTY, IS
GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OIllIGATIONS Of ,,,~TOR UNDER THIS
MORTGAGE ANI) THE RELATED DOCUMENTS. Hi'S MORTGAGE IS GIVl'N ANn A'-,~l'PTEn ON HiE FOl~LOWING Hi'N,$:
....'----- ..
MORTGAGE
(Continued)
Page 2
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RFORMANCE, [)leapt 85 "tl101W160 providod II11hl5 Mo/lynge, Glllnlor 5hAII pny 10 lQndlll nil nmounts securod by lhlPi MOftgaoo
I, and shall slnclly pudo/rn nil 01 Glllntor'15 ohllgnllo/1s 1H1lJaf Ihlfl MlldguGA.
NO MAINTENANCE OF THE PHOPERTV. GIIJIlIOl BO'Ofl!J Ihrlt tll/lIlIOf'~ P05",ll\r,IOIl Rnr1LJ~n ollho rlC)porty 5111111 be govluned by tho
on5:
on end Use. Unlll III darBUII, (11111'101 mllY 'OI1'1Aln III pOr,505'ilon Blld control 01 nnn opllfn1o nrld fllllnoOB the Propmly Bnd r.olled Iho
frOm IhlJ Propeily,
, _ fo Mllnlsln. Grnlltor 5hl111 I1lRlnllllll HlI} Plop~dy III htllllnlBblo condition Bnd promplly pllllonn n1l1l1pu1I5. rnptllC:Ollll2rlI6, And n",lnlonllrll:O
(. ry 10 proserve 116 VIIIUO
,:~~dOUl. Substance II, Tl1f' lerm~ "hl1ll\ldClJ5 wosto," "hOlilrdou5 substance," "dIS~O~lll," "loloIlSO," Aod "lhlonlofll1d rul(\/HW," 85 u!I,8d In 11115
Mor1!;age, 5hllll hav\J tl10 Mill" moanlngs ns H'I lorth Inlho C0I11,H0I101151V8 Envhonnmnlnl I1B!)ponSO, COlnpam,lltIQIl, ond liability Act 01 1980,115
Imanded, 42 U.S.C, Sacllon 9601, ljl Stlq \,'CEnCLA"), Iho Superfund Amendmonts And n~l1ulhorllIlliOI1 Act 01 1986, rub. L, No, 99-409
("SARA"), Iho Hazardous Mntollots TflHH:PQrt'lll()I"I Ar.t, 49 U.3.C. Soellan lBOI, 01 56q., tho Rmiourco Con'10rvllllon ond Rocovory Ad,.49 U,S,C,
Secllon 6901. sl SOQ., or olher lippllcablo 6lult:> 01 Fodolal laws, rulos, or fOQlJlaliollS Adopled plJJ5u'lnt 10 OilY 01 lho It'llooclng. The IOlms
-hazardOU5 waste- Bnd "I1I11JHdOUE sub~lllnl;(l" stHllI nl!io include, wllllQut IIn'1itaIIO/1, palloloum Rlld rOIH)lnurn hy p'odlJCI~ or any "actlon theroof
and 85boslos, Glllntol lop,osont$ and wl1J!J.ntG 10 tendor that: (8) DUling Ihe parlod of Granto,'s ownorship cflho P'oporly, th.ue hR5 boon no
use, generallon, manulacluJlt, 5101BOO, benlil1()I1I, disposal, relea~o or lhloalenod telease 01 ony hll/lllriOtlS w851a or 5lJbstance by any penion on.
undor, or aboutlho Propl?rty; (b) Grllnlor hUf, no knowledge ot, or roafton to believe Ihalthen) has boon, e):cppl us ptClviously dlscl050d 10 Gnd
acknowledged by Londer In writing, (I) an'l uso, QtJl1otnlron, manu/nelure, IilolAgO, Ironlmont, dl!ipm,IlI, ,alonso, or thr(1I1tened relOAse 01 any
ha:zardous wBsle or ~llb5tilllcO by Bny pllor CWI1I9IS or occupanls. 01 thlJ P,operly or (II) any Ilclunl or throotonod litigation or cl8lm! 01 Bny ~lnd by
any person rolatinQ 10 such mailers; and (C) [)tc;cpt as p,evlouf,ly dl5c1osed 10 /Ind acknowledged by lal1dGI 111 Willing, (i) nellhel Granlor nor allY
tenanl, conlraclor, liGonl or olhor BIJlhO(l;;od U!3ot 01 tho Ploperly shnll UriO, gflnornle, mnnulndLJr(), r-.tcle, heal, di5pose 01, or reloase any
hazardous wasle or 5ubslnnce on, under. or 1\110lJIII1Il Proporty and (1I11l1lY ~uch ActiVIt:; sl1nll tJO cOl1cludod in compliance WIth alllppllcable
radoral, stalo, and local laws, rooulalions ond Oldlnnnces, includIng Without tllnllntlon lht)sn tnws, rf!\luIIlIIOI'1S, und ordinAncos doscrll:led above,
Glanlor aulhorizes lender and Its nOBnts k; (l\1101 1'1'0" tho r,opfl,ly 10 mal<.o slIch IMpecl10ns Bnd 1('515 AS Lender may deem applopdatl) 10
determine compliance 01 Ih13 Properly With thIS 5or;tion of Ihe Morlgogo, Any Imipoclions or losts Jl1Ado by Londor shall be for Lender's purposos
only and shall not be construed 10 crcBle any! l'tsponslbllrly or Iiabllit'! on tho pAri of Landor 10 Grnntor or to Any othar person. The representallons
and warranties contained herein ato bn~od 01'1 Grantor's duo dlllgonce in invostlgnting tho Pl'oporlY for hill.'udous wosto. Grantor herflby (a)
releases and waives any fuluro claims Boamsl Londor for Indemnlly or o:cmlrlbution in lhO evP-nt Granlor becomos Hable for cloanup 01 olher CO!ts
under any such Inws, and (b) agreos to Indomnlfy and hold harmle~5londer agnlnslony and oil claims, losses, liabllitios, damages, penallles, and
expensos which I.ondor may directly or Indirectly sustAin or suffer rosultlng from 11 breach of \I'us sodon 01 the Mortoage or as R consequence 01
any use, generation, monufacll,H8, storage, disposal, reloAse or thr(!(jtonod relOAso occurring plior 10 Grantor's ownership or Intoresl In Ihe
Property, whether or net the same was or should have been I<.nown 10 Granlor. The proviSions of Ihis 5p.clion of tho Mor1gage, Including Ihe
obllGlltlon to lndemnlly, shall survive tho pBym~nt of the Indebtednoss Jild the satisfaction Bnd roconvOYOI1Ce ollhe lien of lhis Mortgage and shall
not be aHecled by lender's acquisilion 01 any interest In Iho Propelly, whether by loreclosure 01 01118rwlso,
Nulllance, Wesle, Granlor shall not causa, conducl or pormil Bny nUisance I,or commit, pelmit, or suiter any shipping 01 or waste on or to tho
Property or Bny porllon of Ihe Property. Without Ilmitmg the generallly ollhe foregoing. Grnntor will nol rel1"love, or granllo any other par1y the
rlghtlo remove, any tlmbor, mlnorals (Including 011 And gas), soil, gravel or rock products withoulthe prior written consent 01 lender,
Removal of Improvements, Grantor shall not demolish or lomove any Improvemenls from the Roal Propmty wlthoulthe prior wrillen consent of
l.endor, As a condItion 10 the removal 01 any Improvements, Lender may roqui,o GrAnlor to mnl<.e arrllngemonts SAtisfactory to Lender 10 replace
suc" Improvements wilh Improvements 01 nllonsl oquAI value
Lender's Righi 10 Enter, Lender Al1d lIs agenls and representallves may enlor upon the Real Propmty At all reasonable Umos to attend 10
lender's Interests and to inspoclthe Properly fo, purposo5 of Grantor's compliance wilh Ihp. terms And conditions of this Morlgage,
Compliance with Governmenlal Requlremenls, Granlor shall prornplly comply wllh 1I11111W5, ordinances, and regulations, now or hereafter In
effect, of all governmental Authorities appllcablo to lho use or occupancy 01 Iho Property, Granlor may contest In good fallh any such law.
ordinance, or regulallon Bnd Withhold compllanco dUring any proceeding, Including appropllBle appeals, 50 '....HQ os Granlor has nolified lender in
wrlllng prior 10 doing so and 50 long AS, in Londer's sole opinion, Lender's Interests in Ihe Property Ilre not Jeopardized, Lender may require
Granlor to posl adoquate security or B surety bond, reasonably salisfaclory to lendAr, 10 protect Lender's interest.
Duty to Protltct. Grantor agrees neither 10 abandon nor leave unallended the Proporly. Granlor shalt do all olher o.:t~, In additIon to those acls
sel forth above in this section, which from Ihe cllaracter and use (If the Property are leasonnbly r10CeSSAry tc protect and preserve the Property,
DUE ON SAlE _ CONSENT BY LENDER. Landar may. allls option, declara Immediatoly duo and payable all sums secured by Ihis Mortgage upon Ih.
sole Of transfer, without the Lender's prior wrUten consenl, 01 all or any pari or Iho Real Property, or Bny intorestln Ihe Real Proper1y, A "sale or
Irilnsfer" means Ihe conveyance or Real Properly or Ar1y righi, tille or inlorestlherein; wtlethlH legAl or oqlJilnble; whether voluntary or involuntary;
whethor by outright !>>SIp, deed, Installment SAlo contrnct, land contracl, contracl lor deed, len~ehotd inlmost with A term grealer thon three (3) years,
lease-option contract, or by sale, a5slgnment, or tmnsfar 01 any beneflclnllntereslln or 10 any land trusl hl,)(dlng IlUe 10 Ihe Real Properly, or by any
other method of conveyance 01 Real Property Interost. If any Grantor IS tl C01porallon or partne'shlp, transfer al~)o Includes any chango in own9r!.hlp of
more than twenty~live percent (25%) 01 the votlno 5tOC~ or partnorshlp Interosts, as lho CRse mllY be. or Grantor, However, Ihis ophon shall nol be
exercised by Lender If such all(lrcise is prohlbiled l1Y ledAlllllnw or by Penr5ylvanla Inw.
TAXES AND LIENS, rhe following provi~llons rfllal'111l10 Il1e lax(ls !1nd liens on Ihe Propnrty flrA B p.1I1 ollhl~, MOIlgllgtl,
Payment Grantor shall pay whan dl;O (anr!. In nil Aveni!; priOr to dellnquoncy) nllla):A!\, P3YIOIIIAXfl5, 5pec.rl\1 tA):M, asse~sment5, waler charges
and sewer service chArges leVied agninst or on nccount 01 the Properly, And shall pRy whfln due nll clAims for wor~ done on or lor sorvlces
rencered or matenal furnlshod to tho Property. Granlor shAll rnnintAln the Pror;)orty Iree QI allliollS hAving prlollly QVllr or oQuallo Ihe interest of
lender under Ihis MoIIQ,lQt:J, o)tcopllor the lien olln)(A!'l llnd i1S595sments nol duo, And ellC''''pt a~ Olhp.,wISE! rrovided in Ihe lollowlng paragraph.
Right To Contest, G,anlor may Wlth~IOld payrr"dll11 of Bny IAll, ll~!',or,'lllf\r\t, or r:hllm in conn(lcllon With n Good fAllh drspute over the obllgBtion to
pay, so long aslendor'!) IlllrJrOSI In IhJ't Proppt!'! i5 nol Joopi1rdlloc1. II .'1Ii(ln ari5''lS or I~ Illnd A$ B losull 01 Ilonpllymonl, Glftnlor shrill within rlltoon
(15) .jays aller tho hen IHlse~ or, II a 11l)n is fllp.l1, "",iU-,Hllllleen (1'i) ,1t1y~ all(\( Grnnlor hn'i nollcP ot the lillf'{L socure tho difichnrgo of the lien, or If
requested by londer, dupOSl1 wllh lel~d~r cash or B ';lJtfir;i~nl r.orpomle swety bond or Clt~lIl1 socullly Si1tlstlldory 10 Lender in IJI1 amount sufficient
to dlschargA the lien plu~l any costs and 011':)1 no'r,' f005 GI' othm chl1rgns tMt could l1rr:rUfl kS n r(lSlJll 01 n lori1clOSlJrB or SAle under the hen, In
any conlast, Granlor shall d"lond Ihelf [lnd l_t1!1(1rn ,e1r,(j ~,h,-lll SOh':.I'l al"i1dvOf~(I Jur.iglTl(l"t tlPfnlo fllllor'-:fHTI(H11 ogninslthf, i' operly, Grantor shall
namo Lendor as an addltlC: ~i)liClH~ unr;u .1:,y '~Ijl(ll'l bOl1d IUllll!.i.,oo ,II tho c{)nh)~,t profPildlll\(,
Evidence 01 Poymenl
authorLzo tho approprl,
Pror;Hrty.
:.1r sha:( IJPC,ll (;,"11',;,,,(1 flJrnlsh to I olldpr ~nllslnctory AVlflt)nr:o (,I pnyrllfHll of Ihn t,lllA!',
;0 '>fl..vernmnnt.11 c;lIi(:l,tl In rlnl\vor to l I"ll1dnr nl fillY lmlll n 'N'lllpll '.l.ill'n1f'rll 01 Itl.) IA:Hl') an"
~')rr..;.,15 and shall
onls against Ihe
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MORTGAGE
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llrucllon, GIIU1tOf sllnllnotlly LondO! III 111/151 filloon (15) (jllY1i bofo,1) OilY WC)I~ ~I) COllllllOIlI:od, IIny I)O,YiC6$ IUD lwnlahodl or any
luppUod II) lho Propfldy, II ally 11lt1t;l1l1I11G'slIllll, 1110lelllllnlvn'l$ 1I01l, Of 011101 IIlln t:Clllld ho u~~,ertl;}d 011 account 011118 WOf\o;., 5efvlc",
and tho co!!!1 Q)(coocls $r"ooo 00. Granlor will upon lOfllJl)!)lol tundo, fwnl!ih 10 Londor Rc!vnni,S Rf,5UIunC05 1lB115hlClol'l to lender
can ond will PIIY tho cm~1 01 5udil'lljl'OV0I1HHlI5
DAMAGE INSURANCE, The InllowlIlO 1'.110\"11110115 IUtf,llng h1111QjllllO Iho PropOlly fill) /I rull 01 H1I!:. MI)rlnnYil,
ance or Insurance. Gntlllar 511111( prOCUltl and mBlnlfun POlli,IUfi 01 flrQ H1$lJl/lflCR with ~11l"I1Rr<1 mtlt)ll{ju{j COVOIUQI} ond0/5omenlls on I
menl basis ror tho 'ull IIlSIJHlhltl vlllua COVO'I"Q RtllmplovtJllIfHlt!) on Ihl) Hoot Pronluty In un Blllount rllJlflellJlllto flvold Appllcahon of Iny
UrlnCIt claur.8, and Y>llh II 51anOllld moll{jfIOAO GIRU&O In I.\VOI 01 t l;!nc101 POlh;lll) 1,111111 bo WIlIhll11,y BUch IllfiUlanr.e companies and In duch
II may be tOOllonllbly BCGophlblo 10 Lund". G'lInler lShnll tiollvOI h') l.ondo' I;lIrtl'H"'lIhll'i 01 r,ovorllQA horn GIldl Ifl&u,ur conlalnlng a
eftpulallon thel coversgo will not btl CBtlcellnd ()l dlmlnllihod wlthOlJtn 1lI1111'n1111l 01 ton (10) doys' p'IOI WIIIlWl notlcn 10 londor B.,d nol containing
any dlISClalmer ollhe Insurer's 1I110llily lo,lmlulo to \}IVO !Well notlco ShOLJIl,j tho noal rlopo.ty slnny 1111111 l1OCOtnO localod In all urea dl),lgnated
by Iho Dlreclor 0' Iho FodorBI Emergoncy MIi'1l1g01ll11l1t Agnncy II!S n l:pOCIBI nood hO/R.d alOB, GI/JI110r 'IIJrC-05 10 obt.lIll B.,d nlall'tnln Fed8fsl
Flood Insurance, 10 tho elthmt such InSUlRIlr.e IS IlJQlJl'Hd .Ind '5 or bllcomos IlValll.lble, lor tho lorm ollhl3 10lln llnd lOt the lutl unpaid plh'clpl11
balance 01 the 108n, or 010 mOlllmul1lllml1 01 COVllfllgO thai Is RVlJllntllo, whlChovor 15 less,
Appllc8t1on 0' Proceeds, GII1'ltor shall promptly notlly londor 01 any IOb5 or ddmoge 10 Iho Propolty II tho ostlmalod C05t 01 repair or
replacement eltcoed5 $600_00. Lendor may /1la~o proof 01 I05S II Grantor laU" 10 do 50 within Moon (If)) days 01 thll casually, Whelher Of nol
lender's security 1$ impBlred, lender may, ollIs olocllon, spply the p,ocoods 10 Ihe reduction ollha i'h..Uvlodno65, paymont of any lion affecting
lhe Property, or the rostorallon Bnd repair of tho Proporty, If Lender elocl!lto apply Ihe proceods to restoration Gild repslr, Grantor shill repair Of
ruplace the damaged or dostroyed Improvomonts In a mannor sallsraclo,>, 10 "'I,dor. lender shoU, upon sallslactcry proul vI such expendilure,
pay or relmbu~e Grantor from the proceeds for Ihe ,easonablo cost 01 ropslr or roslornlionlf Grantor 16 not In default hereunder, Any proceed'
whIch have not been disbursed withIn 160 days allor tholr rocclptand which Lender has not commllled to the repair or rostoratlon 01 the Property
shall be used f1llit 10 pay any amount owing 10 lender under Ihls Mortgage, Ihon to prepay af',:rlJod Interest, and the remainder, II any, shIll b,
applied to the principal bfdanco 01 tho Indcblodno5'S. Illandor holds any proceeds nller payment In lull ollhe Indebtedness, such procMds shall
bo paid 10 Grantor,
Unexpired Insurence- 8' Sale, Any un13)t:plrod ln~urBnco shalllnur13 10 tho bench! aI, and pass to, the purchasor or the Property covored by this
Mol1gage 01 Bny trusleo's Mis or other Mta hC1ld under the prOVISions ollhls Morlga\)o. or (it any lorecloslJIs sAlo 01 such Property,
EXPENDITURES BY LENDER. II Granlor '11115 to comply With any plovision 01 this Mortgar,e, or II any Bctlon or proceeding IS commanced Ihat would
materially affect Lender's Into rests In Iho Property, lender on Granlor's bohAlf may, bul shall nol bo reqUired Ie), take Bny action that Lender dooms
appropriate, Any amountlhal lender ollpands In 50 doing will bear Inle,~sl altho rute charged under the Nole Irom the date Incurred or paid by
lender to the dale 0' repaymonl by Grantor. All such /})epenses, allender's option, will (a) be payable on demAnd, (b) be added to Ihe balance of lhe
Note Bnd be apportioned among Bnd be payable WIlh any Installment payments to become duo during either (I) Iho lorm of any applicable Insurance
poliCY or (Ii) the remaining term of the Nols, or (c) be Ireated os a bailaon pay man I which will be due And payable 01 the Note's maturily. This
Mortgage also will secure payment 0' Ihose Bl'nounts, Tho lights p.ovided lor In this paragraph shall bo In addItion 10 any olher rlghls or any remedies
to which lender may be entitled on accounl 01 the de'aul!. Any such Bcllon by lender shall nol b~ construed AS cUring tno dornult 50 aslo bar Lender
from any ramedy that It olherwise would have had,
WARRANTY; DEFENSE OF TITLE, The lollowing provisions relating to ownership 01 the Property are a pari 01 this Morlgage,
Title. Grantor warrants 1110t: ia) Granlor holos good Bnd mBd<.olnb\13 title ollocord 10 the Properly In roa slmplo, Iroe and clear 01 all liens and
encumbrances olher than those sotlorlh In the F1eal Pro~ ady de~,criptlon or in an'/llllo inSlJrance polley, tllle report, or finalllUe opinion Issued in
favor 0', and accepted by, Lendor In connection With thiS MortgAge, Bnd (b) Grantor hAS Ihe lulldghl, power, and aulhority 10 execute and deliver
Ihls Mortg.golo Landor.
oefenae 0' Title. Subject 10 Ihe exception in lhe parag,aph above, Grantor warrants and Will forever delend the tille 10 Ihe Property agalnsllhe
law'ul claims of all persons. In lhe event Bny aclion or proceeding 1$ commenced Ihat questions Grantor's 11I10 or the Interesl of lender under Ihis
Morlgago, Grantor shall defond the action at Grilnlol'S e)t:penso, Gro.ntor may be the nominal porty in such proceeding, but Lender shall be
entitled 10 participate In the proceeding and to be represented In tho proceeding by counsel of londer's own choice, and Grantor wlll deliver, or
causa to be delivered, to lender such Inslruments as Londer nlay requesl from limo to lima to pormit such pa:llclpatlon,
Compllence With Laws, Grantor warrants that the Property and Granlor's use 0' lhe Property complies with aU exlsllng applicable laws,
ordinances, Bnd regulations of governmental aulhonlies.
CONDEMNATION, The lollowlng proviSions relating 10 condemnation of the Properly Bre a rorl of thiS MorlgaOR
Appllcellon 0' Net Proceeds, II all or an'l polt! of tho Proporl'lls condemned by emlnl)llt domain proceedlno~ or bV ar,y proceeding or purchase
In lieu of condemnalion, lender milY AI ils eltlClion roqulre thAI all Of any polllon ollho not proceeds of the Award be applied to the Indebtedness
or tho repaIr or reslorallon 01 the Property, The net proceeds 0' the award shall mt'on Ihe aWArd after paymMI 0' all Bctual costs, expenses, snd
a"orneys' foos Incurrnd by Lendor in connRction wllh Ihe condemnation.
Proceoolngs, II any proceeding Ir, condomnullon IS filed, Grantor shall promplly notify Lendor In w,ihno, and Grantor shall promptly take such
step~ as may be necessary to defend the Bcllon and obtain the aw()rd. Grantor may bo the nominAl pllrly In such proceeding, bullender shall be
enllllod to participate in the proceerjlng And to bo rRprosonli:'td In Ihe procooding by counsol 01 its own choice, and Granlor will deliver or CBusslo
ba deUvored to londer sur;h instruments liS mlly be fO'11J851ed by II 110m limo to limB to permit rlur;h pnrllcipahon,
IMPOSITION OF TAXES. FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. Tholollowll1Q P'OV"'OM ,0101,oQ 10 gov.,omoolallax... l_
and chlr'Jt1S are II part ollhls MOrtOI1Uo:
Currenl Taxe., Fees end Ch"rges, Upon rO'1ljo~,t by Lender, Granlor s"ll1l1 execula !iur.h dOt:umAnts In oc1ditlon to Ihls Mortgage and take
wh&tever other achon :~ rOQtJo':".ted hy Londor to perfoct and continue LAndor'S lion on tho nMI Propelly, GrAnlor sholl reimburse Lender 'Of 811
taxes, as de5CrjbQd balow, IOQethor witl1 nil f.>:llpon~IO!j incurred In rocording, perfnc1l11g or continuing, thl!lt MortgAge, Including wllhoulllmllatlon III
laxes, lee~, documenlary !',Iilmp'), And other ChArO~!llor ret.ordlflg or ,roglslerlng thl!lt Moilgo.gn
Tlxes, The fOllOWing 5hllll conr.lltuln tAl105 to whlf'.h tillS sochon applios: (nl a specific tnw: upon ttlls typtl 0' Moclgtlg9 or upon all or any pB.r1 of
Ihelndootedness sf1f;umd by thiS McdQage; (h) A !;pOClflC lax on Granlor whlr,h GrAntor IS 8utnorirod or reqlllrt'ld 10 deduct rrom payments on the
IndOlJlednoS5 secured by Ihls typo 01 Mortgll0f">; (c) fl tllX on thiS typo 01 MortgAGO ChlHOf:lAblo ROBI.,~,t tho LendAr or the holder of Iho Note: Ind
(d) u specific tax on all or nny parlion 01 the It\flI1bh~dl1e!l!; or on paym(!nts 01 prinCIpAl Ancllnh'>fAst mlldA by Grunlor,
SubSttquenl Taxes, II fin' t,ll( 10 whll:h Ihi~ '"C!cliorl Appllos i!lt Or101clnrl sl,h.,.~rt\Jont Ie) lho (j,;lo of Ihl", MOltgrlOA, thiS ovr'-l shall have Ihe $lme
e~ecla5 on Event of Del; (\~ dHfll',,Jd l"JHI()'N), nnd Lender ma'l HXOICi'>O My r;1 lJII of It,; aVilillll1lo IOI'lP,!if'l'i 101 an Evo(,; I Delault S5 provided
bek.w unlc~5 Grantor t::ill.. I {ill p...y~. thn lrtw: tJt\IOre Ill'Jecon1p~ delinquent, or (b) conlfl.-,I'i tho lux 01') pllWldlld above ,I. the T&;'95 and Liens
~ecflon and depor,!ls wl\11lt.lfleJor r.A~h or i\ ~,I,rflr.it'!nt cmporale c,uroty hon,1 or olhfJr <;'PCUflly r,nll';'l1dmy 10 l nndm
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ThU IOllllYolllij pIO""~IOIl5 Il/lj,II/lU 10 Ihl'" MGrlURgo ll~ 0 PiOCtJlIlY liOI06mSI1I a/o I pllll ollhia
~ I
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gr..m.nl. This 1r16!nJmo/l1 bhllll (,'lillfil.luIO II socunly OQ,oomonllo tho o_lelll allY ollho PIOjJillly COI1l)lllulos fl~IUle5 Of other putlSO/l11
,Ind Lunder IShall hAVO 011 ollha /Iuht~ or II tWCIl/it" pnlfy unlJltI Iho Unllmn1 Com",n,cl/d Cnr1., .IPi AIIUIIHlod 110m lime 10 11m..
'nl.r..t. LJpOlllOQl1051 1)'( I ("Him, (j1/1f"flI fihull u)lnCtJlu fHlllflClnu 51ololflenls end Inkl) whnlQvor alhor Ildon 15 roqlJQllled by lQndlH 10
and conlir1U1J I olldlJl'rs !'Iuctjn!y InltJInr,1 In till,' nlJnlllo Alld Po,'Sol1ol P,opurty. In oddltlon 10 Io<:Ot(jlng Ihl' MedgllO. U1 Ihl ,eal P'OPlHty
de. ldndGr may, at illlV 111110 olld wIthout lwlll.., llulhQllll1110rl hom Olonlol'. fllll e)lltculod counIB'pRlls, enplos at lop/eductlonl of Ihl'
gag. BA . flnanclllg fllolUlllonL UIII/lIOI tlhnU IflUnhlJl~e lond.' lor 1111 8>>lpe"," InClJIlod In po"ocllng or cenllnuing this IOCUllty Inl8/""1.
pon ddlourt, G,.nlor ~hllll 8558mhllt Ihe rO.6ol1Rl r,opmty III 8. m8/1IlOf Ind ilia place 1000t\onllhly r.orl'.mnh'nllo Grantor and lender Ind ma". It
.vIlIoble 10 lender wlthllllhroo (3) dnyrl 811m "lcnlpl 01 'r'lilllhm (101l10nd Irom I.QlldoJ.
Addre...., Thlj maIling addrenes 01 0'111111,)1 ((lohlo/) Rnd londor (1!l9r.lJuld pa,IYl, Irom Whlr,h tnfmmahon conce",lng Iho 60Cunly In18flit61
granltJd by Ihl1 MOftgnOIJ Illl'y be obh~lned (flnr:h 05 h)l1lJued hy Ihlt Unllo/m CC'lllHnl1rClol Coejo), lue R~ lilnlud on the first poge ot thla Maflgso",
FURTHER ASSURANCES; ATrORNEY..IN..FACT, Tho lollOWU10 PIOVllil01l6 rolallng 10 IlJIlhor RliSUI,iIlCe! and nIlOIl1nV-1n.IllCI all I pllrt orlhl&
M0I1gago,
Further AuuranceI., AI any limo, and 110m lime 10 lime, upon rOQuo51 of Llndar, Gri&nll)J will malle, GjI{Dt:UIO and deliver, or wl/l cause la be
made, ejl{eculod or delivered, to lender or 10 londOr', deSignee, and when reQuelled by Lender, cause 10 bo IUed, recorded, renled, 01
rerecorded, 0$ Ihe COGe may bo, at SUCh IIm05 anrj In such ottices 8nd plae," ar. lendor mBY deem appropriale, any and III such mOf1glgesl
deeds 01 Iru~l, &OCurily doeds. 60cunty Ogt911rllonls, llllanclno $Ialomonls, conllnuellon $10lemool5, Instruments of lurthor assurance, cer1llk'ates,
and olher documents as may, In Iho solo CpUllOll 01 Lendor, bo necO&&aty or desirable In order 10 effectuate, complete, perfecl, con~nue, or
pro5orvo (a) the obligatIons 0' Ofal'1lor und~r Iho Nolo, this Morlgao., and Ihe Rolaled Oocum~~mls, and (bllhl lIen& and a.ecurity Inleresls
croal"d by Ihls MOl1gligO as firsl and pllol' 110.15 011 tho Property, whelher now owned or hl'Jroallor acquired by Gronll)f, Unl"s prohlblled by law
or aGreed 10 the contrary by Londer to WillinG, Gllinlor flhall relmbu,SQ Lendor fOf all costs Bnd AjI{penS05 Incurred In connection with the malters
relorrod 10 In Ihl! purogrnph,
At1orney..ln-Fact, II Granlor ISlls 10 do any 01 the Ihlngs rQlomtd 10 In tho prl9Cedlng pArograph, Londor may do so 'or and In Ihe name 01
Granlor and al Grantor's Qxpense, For such purposes, Granlor he/eby Irrevocably appoints Lender liS Gronlo"s allorney-ln.'act for tho purpose
01 milking, executing, delivering, (1lIng, recording, and doing all olhor things as mny be nocossnry or desirable, in l.ender's sole opinion, 10
accomplish Ihe matters raferred 10 In Iho proceding paragraph,
Fl.U. PERFORMANCE, It Gronlor pOY. 011 the Ind.blodno.. whon duo, ond olhorwl.o porform. Rllthe obllgalion. Impo.ed upon GranlO/' under Ihl.
Mortgage, Londor shall exscule and dollver 10 Granlor a 5ullabl, saUslaclion ollhls Mortgage nnd \iullabla nlllhunonls oltermlnalion of any "naoelng
stolement on file evtdonclng Lender's secutlty inlerost in the Rents and the Personal Propo/tv, G,antor wlll pny, If permilfod hy applicable law. any
reasonable lermlnahon foo as delermlned by Lendor f10m lime 10 lime.
OEFALLT. Each 01 the following, at Iho oplion 01 lendor, sholl conslilute an ovont of defoult (''Event of Oelault") under this Mortgage:
Defoult on Indebtedness, Failure 0' Gral110r 10 make ony payment whon due on the lndebtod"(\SS,
Defeull on Other Payments, Falluro at Grnnlor wilhln Ihe lime required by Ihls MortgAgo 10 mal-e Bny poyrnentlor faxes or Insuranco. or any
0lh6r paymenl nocessary 10 provenl flllng of or to alleet discharge d .1ny tien.
Comlllllnce oer"ult, Failure 10 comply With any olher lerm, obllgahon, covenant or COI1c:1lhon conlalned in thIS Morlgage, the Nato or in any 01 the
Relutod Documenls,
Breach.s, Any warranty, reprO$onlatlon or stotoment mBde or lurnished 10 LO.lder by Of on behalf o( Grantor undor Ihls Mortgage, the Nols or lhe
Related Oocumenls Is, or althe lime made or 'Ulnlshed was, false In any malerlal raspecl,
Insolvency. The Insolvency of GrAntor, apPol/llmenl 01 8 rltCelver for any po,1 01 Grnnlor's propOlfy, any A!"lslgnn1enl lor tho benefit 01 r.redllor5,
Ihe commencement 01 ony proceeding undOr any bankruptr.y or Insolvency lawa by or ogoinsl GrAnlor, or tho dissolution or lormination 01
Granlor's eXistence as a going buslnoss (H Granlor IS a business), EjI{ceptlo Ih9 o)"lenl prohlblleo by lodoral law or Pennsytvanla law, Ihe death or
Grantor (If Granlor 15 an IndiVidual) also shull conshlule an Event of Defaull under Ihls MortgAge,
Foreclow,., Forfeiture, tic. Commencemenl 01 fora<.:105ure or forfelllJre proceedings, whelher by JudiciAl proceedlll~, self-help, rep051!l8aslon or
any olher method, by Bny credItor 01 Granlor or by any governmental agency eglln't IlIny 0' Iho Ploperly, Howltver, Ihls subsection shall nol apply
111 tt.e event or B good fallh dlspule by Granlor as to lhe validity or reasonableness o( Ihe claim which Is the basIs of the loreclosure or lorelellure
proceeding, prollided Ihal Granlor gives Lender wrlllen nollce 01 such claim Bnd furnl5has reserves or B 5urnly bond for Ihe clslm SAtIsfactory 10
lendsr,
Breech 0' athelr Agreement, Any braAch by Grnnlor under tho telms 01 any olher a~roeme/lt betweon GrAntor llnd londer thai IS nol remedied
wllhin any grace period prOVided Iheroln, including without Umltallon any agreemenl concerning any indobledne55 or other obligation or Glanlor to
Lender, whether exIsting now or laler,
Event, Arrectlng Guarantor, Any 011he preceding everlls occurs wUh respocllo 81lY Gunrsnlor 01 any cl lno Indebledness or such GUllranlor
dl~ or becon"l1:) Incompetent.
RtGHTS AND REMEDIES ON DEFAULT, UPCI1 the occurronce 01 any Evonl 01 Oofaull a.,d at hny lima lhoteaflnr, Lender, allls optIon, may oxercise
anyone Of mors 01 the followirlg rig hiS and remedlll5, In addlllon 10 any other rights or remedies provided by lAW:
Accelerale Indebtedness, SUbjp.c1 10 applicable law, Lander shall have Iho right at il!l option wllhout nGllce to Granlor 10 declare the enlire
Indel)ledneS5 .mmedlaloly due Rnd payuble.
uce Renledles, With 'ospectlo aU or Any pari of tho Pe,~onAI Propedy, Lender shall havo aU the righl.... lind romedles 01 Il secured party und8f'
the Uniform Commercial Code.
Collc.:~ Rents, Lender Shan l10ve tho nghl, wlthoul n(lllcs 10 Orantor;lo talle POsSSMlon of lhe PropRrty I\I1d cnUectlhe Renls, Including amounts
past due and unpaid, and a.:lply Ihe nol procoods, OVl)r and above lender's cosls, agAinst lhe Indebledrlt:/S5, In furlheranCtf 0' IhlS righl,l8nder
ms:' rsqulro Bny lenanl or other usar ollhf't Propflrly 10 mako paymenls 01 ronl or use lees dlroclly 10 Lender, II Ihe Rents are collecled by L.nder,
Ihen Granlor Irrevocably deSIgnates lendor A5 GrlH110f'S ellomaY-ln-fac! 10 endorse InslrUlnenl5 r&Calved In paymenl thereorln the nlme 0'
Gruntor and to negolirito tMe samo an.~ cl')lI,.....;\ IhlJ proc*'f"d'). Payments by len,lnlS or oltlnr USI'f5 10 1 ondor III response 10 LAnder's demand shall
s8.IIS~ 1M obllgallon') 'or '-Iv 'h Iha p;J'IIlll?I'!::' (),ij !l1il!lo, whot:lor or /lol any pfl1por grt)lJnc1~,'m IhQ dr"r11And ellisled, \;, ,ier may e):8rclS8l~
nghls undor this 5IJbparo<<d' <..,.t:wr ,n rIOtsn,l,!)'1 A'1f!nL nr throlJoh n fOC(llVAr
Appolnf Rocelver, Lc,nti.H ~:h.111 ht\\'l:: t~,,, r,,,ll If) hawn fflU1IVN nppolnl.,,11o ti1~fJ pO'io;(j<',<',lor1 lil nil Of 1111,/ pArt or Ihe Prc.J~ 'I, ~Ilh Ihe POW8f' to
prolt~1 And prH')orve 1t.1) P opmly, to '''1 ,"J,1!(> \,1,', PI ,0d'l prtl<:.-.rllnn kl,p<::O'illr~ or r,/llt, .1110 lei rnll.,c!U',ll ;-i~IlI!", 110m Ihe Properly And applv Ihe
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MORTGAGE
(Continued)
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and auovs Iho cust of 1110 ruCl~IVlJr!itJlp, /lgalllst tho Indabledn95S. rhu tocal"OI Illay !)(.,vo without bond If pormlltod by law,
h' to tho oPPolnlmonl 1)1 n roCI'i'''~f ti/1l1l1 8).i61 whdlhor or nol the oppllronl vnllll) 01 Ih.l P, oporty ollcoeds the Indebtodness by 8
Amounl, En1ploymo"t by [r,IH1nt !'illull not dlfiQlJlIlIIV d pm5or1 horn 51lrVlnij RIS n ror.oivQr
'orecIQlure. ll3lldo, may Olllllltl n J 1(11clnl 110..,00 'o19Cl051110 Gl/lllIO"!) inlmm;11111111 (jl Any pllll ollhe Plopeily,
Plan 0' the Property. For Iho purpl)~ll 01 pror.UlIno P0550Sf.IOn Clfthli' P/(')parly, GlonlOl hemb'llHAhofl105 lltld ornpowolS Bny oltOlney of
ourt 01 record In tho CommonwoBllh 01 f1(lrllHiylVl1/1111 or olr,owhOtO, AI) Rttornoy hJI lnndof find 1111 pmt.ons clnhlllng under or Ihrough londer,
(Ion flgreomonl lor ontorlno III Any COl\lj'Jllhml cOUllnn omlClIbln Ar.Uan In ojaclmonl for POfi!Stilililtm ollhe Ploporty Bne '"J BPP~O( lor Bod
le65 Jud\Jn1tlnl BgBlnbl Granlor, 1111IJ Donllll,l 1.11 plJll!lOnb dlllmlllU undor or through GrAnierI lor tho ,ocovery by Landor 01 p05s8sslon of the
oporty, Wllhout Ilny 610y 01 elilJctlll()n. 101 V.111.-:h 11\15 MoflgnQQ, or A copy of Ihls MorlgAGo v9llnAd by nUIc1ovll, sholl bo Ill5utficlonl warranli lInd
theroupon 8 Wrll 01 pO'S!imjSh.)n mAY b.o iSr.tll.ld lorthw:lh, without Any pdor Wilt Of prOC(~dlng WhAI~oovpr,
Nonjudicial Sale, II pOI rTlllled by oppUr:nl~lo I,IW, tOllnor muy 'OIocloso Grnnlo,'r, IIlloto.,lln 11.11 or in any pAil of HIe POt!sonol Properly or tho Reul
Propert'/ by nanjudlcml sl1l0,
oerlclency Judgment, lander mllY cl1IBfI1 a judgment lor any doficlQnr.y rOfll81nlng In Iho lildebtnrlnfl~5 due 10 lender nller applicatIon of all
amounts recelv(hj from tho m:erdso oltha ClUhls provldod il1lhl~ sodlon
Tenancy.' Sufferance, II Grnnlor fornill116 In p061lesslon 01 Iho Pfoperly atter Iho Properly is sold A$ prOVIded above or Lendtr otherwise
becQmes enlltled 10 P05:505Glon ollha Propmly IJpOn dofBUI! 01 Grantor, Granlor shall bocomo A lonanlol sulferance 01 londor or the purchaser of
Iho Property Gnd shall, at londor's option, 011..,-, (B) pay 0 roBB50nAblo ronlal lor Ihe use of lhe Properly, or (b) vocale tho Property Immediately
upon Ihe demand 01 Lcndor,
Otht!r Remedies, londor shall t'w....a 1111 olhP.r lights and remodlos provided In thl5 MorlQAge or Iho Nolo or aVRlloble allow or In equity,
Sale 0' the Property. To Iho o;.tont perrnllted by npplicabls low, GrAnlor hereby WOiV06 any and all riohlto havo Ihe property marshalled, In
oxercislng ils rig his and remediOS, lander sh,\1I be Ireo 10 5011 all or any patl ollha Prapolly logelher or separalely. In one sole or by separale
sales, Lendor shall be entitled 10 bid at ony public sAlo on 011 or ony poll Ion of Ihe Properly.
Notice or Sale, Lender shall give Grantor roosonable nolice 01 tho 111110 and ploeo of allY public salo of tho Personal Property or ollhe lime al10r
which any private $nlo or olher Intonded dlfiposilicn of tho Pen;OIlBI Properly is to be made, Unloss olherwlse required by applicable law,
reaGonsble notico shall meon nollco givon allaQsllen (10) dRYS beroro Il1a tima of the sale or disposition.
Waiver; Election or Remedies. A waiver by ony ptuly of a breach 01 a provision of Ihis Modgl1ge shallnol cOrlshtule a waiver of or proJudice Ihe
party's rights olherwlsu 10 demand slrict compliance Wllh Ihol prOVISion or ony 01 her provision. Elecllon by lender 10 pursue any remedy shall nol
exclude pursuit or any 01 her remody, and an eteclion to make ell'pondilures or lako acllon 10 perform an ohllgation of Granlol' under Ihls Modgage
atter !l11lurs 01 Granlor to perform oshall nolllllpct Lendor's right to doclAfO A dofaull And exorcise 115 remedies under this Mortgage,
Attorneys' Feeei Expen$4!s, If londer instllutes any suit or acllon to onlorce any ollhe lerms 01 this Mortgago, londer shall be enlll10d 10 rllCOVer
SuCh sum as the court may adJudoe reasonahlo or, Bllornoys' lees, allrial Gnd on rJny oppeal. Whelher or not ony COurt Bcllan 15 Involved, all
reasonable expenses incurred by londer that in lender's opinion Bre necossary 01 any limA lor the prolectlon 01115 inlerest or the enforcement of
Its rights shall become a part ollhe Indebtednoss payable on demand and shell bear interest from the date 01 expenditure until repaid allhe Nale
rate, Elipens8S covered by lhis paragroph includo, wllhoutllfnllallOrl, however 5ubjeclto any limits und8r Bpplicuble low' onder's attorneys' fees
and lender's regal oxpenses whelher or nollhore IS a lawsuil, Including allorneys' lees for bankruptcy procoedirig5 (inclulIlIlg ellartslo modify or
vacate any aulomatic slay or Injunction), appohls and liny antlclpalod post-Judgment collodion 5(!1vices, the cosl 01 searching rocords, obtaining
llIte reports (including loroclosure roports), surVf~ycrs' reports, and apprAisal leos, And tillo insurnneo, 10 the elltonl p6r111llled by appllcabr~ law,
Grantor also will pay arlY courl cosls, In addition h) nil olMr SUnlS nrovld~d by law
NOTICES TO GRANTOR AND OTHER PARTIES, Unll:!r.s othl1rWISO prcvlded by appllcablo Inw, an,! n.,lleo undor IlliG ModOG(,!) shall be In wrillnG and
shall be ellocllve when actually deliverod or, II m,'1llod, shall be deemod olloCtlv8 whon dop0511ed In the Un lied Stalos mail firsl class, reglslered mail,
poslage prepaId, directed to the addrosses shown rll}!ll the beginning at Ihis Mortgage, Any pntly may chlU1Qe 115 address ror nollces under Ihls
Mortgllgo by giving formal written notice 10 Ihe olllor parties. spocifymg Ihat tho purposo of the nollce is to chonge tho party's address, AU copies 01
nollces of loreclosuro Irom the holder 01 any lion wrolch has priorlly O'Jor thiS MallgllQe shall be sonllo lender'G address, as shown near the beginning
of Ihis Murtgage, For nollce purposes, Grnnlor a\]l00510 ~oop lender InlorlT1l~d al alllimo5 of GrAnter's CUfI~' I address.
MISCElLANEOUS PROVISIONS, The follOWing Il1l<;cpllllneous provlslonG IVe B pArt ollhis MortQA(je.
Amendment., This Mortgage, logether wilh any Relaled Oocument5, conslllulez Ihe entln, understanding and agreement of t~e partIes as to the
mallors set forth in Ihi3 MOrtgAgO. NO alteration or or nmendml;lnt 10 thiS Mortgage shall be elfe<::hvo unless given In writing and signed by the
party or partlos sought 10 be chnrgtld or bound by Iho alteration or amendment,
Appllcabla Low. Thla Morlgage haa been delivered 10 Lender and accapled by Lender In Ihe Commonweallh or Pennsylvania, This
Morlgaga &hall be governed by and conslrued In ecco,dance wllh Ihe laws 01 Ihe Commonweellh 01 Pennsylvania,
Caption Headings, Caplion headings in thl!; MortgAge Are for convenience purpn<;os only And Are nol to be used to Interpret or dafine Ihe
provisions ollhls Morlgnge,
Merger. There shall be no merger or tho Int61ttst or ostat9 croGted by Ihl6 Mortgooo wilh <lny othAr inleror.t or eslate In Ihe Ploperty at any time
hold by or for Ihe baMI11 allender In Any cnp.qr;ity, Without tho wrillen consont 01 lend(o(,
Multiple Parties, All obligations of GrAn!()r ur.(jer th15 Mortgage shall bo Juinl and severn I, and all rolerence5 10 GrAntor shall mean each and
evory Gronl.)r, This m~l1ns thAI each 01 the pNr,0115 Signing below 15 ro~ponsiblA for ell obllg11110nS In It'',i5 MortgAge,
SeverelJlllty, If 8 court 01 comrl~t(jllt JUII~c1lcllon finds any proviSion of Ihls MortgAgo 10 be Invalid or unenforceable AS to any person or
clrcumslsnCA, such IHldlng sh~lI nol rt)lldN lhilt prOVision Iflvalld or unonlorceable as h') any other parsar1!> or circumstanCElS, If feAsible, any 5uch
attending prOVision ~hall he doem!ld to be ll1Cdlfl19d 10 be wllhln the limits of en(orceAhlllty or vo.hdlly; how over , illl1e offending provision cannot be
so mC.dlritld, it shall be slrlC~Eln and tlH olhor provl$ions 01 lhis Morlg~Qe ill all olhor rpspecls shall remAin vhlld and enforceable,
Suc~es.1Ors and ASSigns, Suhjocl to 'hll IlIr,ltallons stntod In Ihi~; Madonge on !r/lt',sfpr cl (jr;lr,tl)r's int,lt()",t, Ihis MortgAiJA ShAll be tlndlng upon
and Inure 10 Ihe benlJllt ollhe pArlles, Iholl !"tOilS, pt1l'sonol ffJpr05MlallVOS, SlJcce!)sors Alid 8S!iigns. II ownorshlp of the Pr(Jnerly becomos vesled
In (l persen other lhan Granlor, Lr!nder, wlln':;IJt noke to Grnnlor, n'"l'J deal with Grl1nlor'~ r,u,:cessors wllh relolence 10 ItllS Morlgagft and the
Indublodnoss by way 01 lorbearar~r:o or clllow.<OIl wlthoul rOl01151ng Granlor from Iho ollllgn!lons 01 this Morlgaga or habUlty under the
Indebtedness.
TlrH" Is 0' Ihe Essence ,',15 of 111(: ')~",~lllr;o 111 tlie p",i!Qrrn,lnC(l ollhlS Mortgage.
Walvert and Conoon{o, ;_ljndor 5:11111 ni,l t.o dllt11l~c,'llo hn'J(l WBI'JtJli ;lny rights unom lhls Morlg;IQa (or Wldor (he rH11..s . OocurMnls; unless
such wllIver l~ in W(I!1119 alld 51gnod :-;'1 Len,~"!r. No rlrlo1Y or QmiS~;IQr, on the pllrl 01: Ar,cjflllll ell'f}rri~~in(J .lny rlghl 'lhAII u;.)81'1l1tJ 8S (\ waiver of
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MORTGAGE
(Continued)
PlIge 6
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any olhe. 1I0ht. A wnlvtH by lIny nllrly Olll proVision alUm. Mollgogu 5hail,1(Jl con511luln" WAlvor of or pflJudlc8lh. party', right
domand sine I compllallce wIII1111At prOYISIOn or ony olhOt plovision, No pnar wl}ivor by lendor, nor ony couru 01 dealing between
d GIBnlor, tihall constltuto a walvor cl ony 01 lQl1dor's IIQhls or ony 01 Grol1lo"s obUgaUon& os loony lulur. transacllons, Wh.never
by londor Is requlrltd In this MorlOl\(J(l, tho OlllnUnO of such conMnl by londor In ony In5lnnc8 ~hllU nol constitute conllnulng consenl to
uonl Inslones5 whe'. lSuch comSOIlII!) r(!qlllWd
'A. An ..hlbll, tilled ''C),hlbll At 16 1I1111du)ij l(l Ihl5 Modgago 81,d by Ihis ,ol8,onc8 liS modo B purt ollhlS MortgAge just IS II aU the prolJtllon..
cr.lndlllono or the E~hlbll had boon tully 50t forlll mlhls MOftgBgO,
MS~RANTOR ACKNOWLEDGLES HAVING READ AlL THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS
"
XR~T?R{) II'L~~L ___q_._16EAl) X. 'n'}t-rt. V'""",,_~.__t8Vl..l
Rlc~ermon Miry Ann s;rrmln
Slgn.d, eckn~d .~.J,'d )n th. p"..nc. 01:
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CERTIFICATE OF RESIDENCE
I hereby cerllly.lhellhe precise eddless ollhe morloeg... Farm." Truel Company, herein Is .Slollow~,~
On. Weel High St,ut, Cerllell, PA 17013 ,--:::-.:::.-;- (
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MIa MY or IIgenl lor MOI"loaO"
H1w.ml f" (lJ itlo , """I,
STATE OF
Penn5y 1 VMin
INDIVIDUAL ACKNOWLEDGMENT
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m.)
COUNTY OF
Cllltlerlanc1
On this day befoll ma. Iha unda signed Nolery Public, porsonally eppenred Richerd D. Sherman and M.ry Ann Sherm.n. to ma known 10 be Ih.
Indlvlduets doocnbed In end w eXeculed the Morloaoa, end acknowledged Ihallhey signed Ihe Morloage e. Ihelr fr.. end volunlary lei end deed.
for the uses and purposes lh eiO menlloned~
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Nolery pu c In end lor th. Slet. 01 _. . .... _. ~ My commission a.pl""_
LAGER PRO, R.g, U.5, Pal.' T,M. Olf" Vet, 3, 18(c) \QQ2 CFI fW'Ikfra SIl'...ICI GrolJl'l.lnc
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EXHIBIT A
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r: RIcNnl D. 1Ilt...-
MOlY Ann Shermon
40 IIHdI Sir "I
CIrlI....'A 1701)
lender: 'armer. Trull CompMV
....n om.:.
One w..1 ttgll 51,Nt
CIrlI....'A 1701)
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TIlIa !lIhlblt A Ia _lied 10 nl by 1IIl. ...ra,...,. Ia....,.. pari oI_h Deed 01 TNoI Of _gage. cSaltd Decembe< 24, ltr.1, - allaUIed
III con_lion willi . .... 01 olllet _1aI ..commod.tlo... lieI'M.... ,_ TNoI CompMV _ R1c,..d D. IIIaI'1.- _ ~ AM
1/ltnMn,
ALL that certain tract of land situate in South Middleton
Township, Cumberland County, Pennsylvania, and appearing as Lot
No, 1 on the Final Subdivision Plan for Rilla's of Carlisle as
recorded inCumber land County P Ian Book , Page ,a n d
being more particularly bounded and described in accordance with
said subdivision as followsl
BEGINNING at an iron pin along the right-of-way for Beech Street,
thence along the said Beech Street South 50 degreos 45 minutes 00
seconds East 126,00 feet to an iron pin, thence along the
remainder portion of the aforementioned subdivision South 39
degrees 15 minutes 00 seconds West 160,00 feet to an iron pin;
thence continuing along the remainder portion of the
aforementioned subdivision North 50 degrees 45 minutes 00 seconds
West 126,00 feet to an iron pin, thonce continuing along the
remainder portion of the aforementioned subdivinion North 39
degrees 15 minutes 00 seconds East 160,00 feet to an iron pin, the
Place of BEGINNING,
HAVING thereon erected a dwelling known and numbered as 40 Beech
Street, Carlisle, Pennsylvania.
BEING a portion of the same premises which Nicholas A, Rillo and
Joseph A, Rillo, Jr" by deed dated March 30, 1990 and recorded in
Cumberland County Deed Book "M", Volume 34, ~age 1150, granted and
conveyed unto Rillo's of Carlisle, Grantor herein.
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'."".ro Trull Company
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~.l.n ~huDt.t aUDuud ruuldln~ In tho ruuldunQu known Dnd numbured
DU 40 lluuuh Struot, Cnllulu, l'unnuylvDlllo oil or OlllJllt. ti"~,~'r ',1'1'/-
thuruby It.tln~1I1uhln'J thu lHu IIUtDt,", 'Jrnht",1 to hur lIndet thu
turllla ot tllll Wl.ll ot lIuy \~. t1hllurllr,
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AND the BAid grantors hllrehy
wsrrant 8p.ciall~ the propetty
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heruhy conveyed,
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ACT 91 NOTICE
TAKE ACTION TO SAVE YOU~ HOME 'ROM FORECLOSURE
Tho ~OIIUI1IHlwIJOIlt1 01 Punllsyl'fl1rll/l'1I Hl)lIUlIlWfll.lllf EfIlU/uurlq MllItllllllUAl\!ilbllllKij P'lll}'UIIl fII11y IJillIlJlo Ie) Ill/Ip ~t)U l10llLJ fllu rllllOV\lU10 flOIII;., 10 Ilnlj Oul how Ihe praOtum
WOlkl
II )llJlJ IlOlllJ motlt mlOllllllllon cnlllhlt Purlllll)ll'fn/llll IhJUlIII10 FUllltll:lI /lUI/IIl:)' III 1 (100) ~I.I:l ~JlJl
lIlIlOI.'IClICIIJIl I,In utJjl.JIll0 oaUI) IUtllllllllpUfllUlI:m, fJUIJI lJlllf.:lll ~IIIJIHI/I:hl) lll.;l)lllullJlH ....I...w'ulo till !ill Ul5A 51 110 (omp'IJIlUIJ IJI conhHlltJo l.JQ ltllllllOllllCllcron oblollgo uno
lllJl.JuCCIIJn Im,l1eiJllllolTlttlllu UjJrtlOtl!JlJ UIlI"ll\JlJll( II IPUIll'lIyl..,Ullill~'llJIIIP\1 f-111"11I.'1~ AOtlJIC)'1 ~III (1I'llO~ ul "llllll"O m~n';IUJ1l1tJO lII'llm PUluJUIS IUl' IJIl,/g.bllJ PII'1I un pr81110mo
pm ul P'OQHlIlln IhumllJo "iil)lnlJOWIlIHIS' EII1IJ'ljlJnq MUlllJllll" AlSalblllllfl' P",\)'Hrtl III nllJI plllldu IiUly;U MJ (11Mlllo III PlHtluJU llalllulechtJ n /Odlflll' &u hlpOIOCO
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTOAOE ASSISTANCE PROGRAM,
PLEASE READ THIS NOTICE,
YOU MAY DlILIQIDLE 'OR "NANCIAL ASSISTlNCE WHICH CAN SAVE
YOUR HOMI PROM FORECLOSURE ANO HELP YOU MAKE ,UTURE MORTGAGE PAYMINTS
11JOCfi41:! .1un>1 2/', 1997
01111)
-RE, .Ac:counl Nij
TO
FROM
i.lary firm
11';I:.I',!! :J
~1Il!II,I~I..4(j nCl!dl ~,.I[';[n.C.IrII~l(), PA, 1701~
FIU::"I. ~UI,IIJ'll.Y-, "U~l. Ill';" :l./t.!Ur..G,ll 1111;'1, J'tI.
!7() I,J
You mav b, .lIglbl. 'or fln,ncl" ,..1.18ncI lh.t will prevent fOllclolurl on your morlgagl If you comply wllh thl prOYIIIOnl 0' the Homlown.r.' Emerg.ncy
Mortg.g. AIII,.,nc. Act 0' fiU (thl "Act"l, You mlY b. IlIglbll 'or em,rgency tlmpOf8ry 1..lltlnc. It your d,'lull hit bun elulld bV clrcumal,nclI blvond
your conlrol, you hln . r...anabll prOllp.cl of rllumlng your morlgogl plymlnt., IIna It you milt other .lIglbllUy requlrem.ntlll..bll.hed bV Ih. P.nnlylnnll
HaUling Finane. Agency_ PI.... rlld 011 0' thl. Nollc., It conlelnl"n .llpllnaUon of your rlghlll,
Under Iho Ac!. you Bre erlllllod 10 11 temporary ~IBY ollolecl05UfO 011 your mortgiJge lor thlr1y 130) dOYI5 !10m thu dalo I,JI Ihl& Nollco. DUrlny thot lIrtlO you my!1 Olronoo ol1d
allend 0 '.'OCO-lo.l.lce" meeting Wllh a "~prO&eflIOllvll 01 this loMtlf, or wllh a l1tl&ll.lflllled consull1ur crudll counselUlQ agency The pu'poeu 01 Ihls rlltHlIlnQ 1510 Oll6mpl ro wQtk
out 0 repaymenl plan, or 10 OlherWleQ selllu your delinquency TI1II5 rneelmgl11uel occur 1111110 nil_I thlfly (30) dny&
II )'OU ulloM a loco.lo,loce mOllllng WIth rhus lender, or wllh 0 coneumor crolJII COUI150h/lQ agency IIJonl111011 mll'ls I1otlCO, flO lurlher proceod,ng In mO'lgage loreclosuro rtlay
lake plJce lor Ihl/ty (30' days aller lhe dote Ollhls meullng
The name, a(lO'055 and telenhofle number 01 out fapfesenlallve IS:
Jacl\ '/ Hu tch i son
1 'i 1 ~ .<1 cn'~r iJ)lJrl'ld~
l,.:;r 11 S 10, ;.1,\, j /(;1.;
il/-~41-i7~~
Telephone Number:
Tho n'\{e{1" ~ddAeSI'J(esJ, ond phoMlt numbo,s 01 (11) deslgnoletl consumer c,edll counsellna IIgency(los) 15 lo'el.
-,UI IJ ~'r::et
\;81'11SIf!, ;'r" l/Ul,J
illS only necessary to schedule one lece.lo-Ioco rneOIl/l{J, You ijhould advise thus lender ImmoeJlOtely 01 your Inlenllons,
Your mortgage Isln del au!! b~~ y~ave lOlled to poy promplly IMSlallmonls 01 ptlnClpal and inleresl, liS reqUired, lor a pellod 01 al lellsl III Illy (601 days, The lollllamounl
ollbe ",eltnq.uf!"f 15 S .. '-.... I Thai sum IMCludollJho lOItOwlyg:
31'1(lnW ' ~il'/r.ents Of :. h6U,"9 tor t,ll~ I',ornl S i~ll'l 199 1,1a ' Il lqG7 ,rl iJ_<S
ch.1r'CJt"l": in ihp .:lr:lOlln1' lIt' f,3?J. 1 n
Your mortgagl,./ IS also In delaull for the follOWIng reoson~'
11 you have rrled and are unable 10 resolve Ihls problem 01 or oller your laee,lo.Iace me.llng, you hB'i8 the rlghllo apply lor Manclal BUllllance Irom the Homeowners'
Emergency Mortgago Asslslance Fund, In order 10 do Ihus, you muSI fill oul, IIgn and 11I0 0 compleled Homeowners' Emergency AUIIUanC8 .App1lC81l0n With on. 0' the
deslgnaled conSUI'rler crodll counseling agencies lIsted In tho aUschmenl. An appflcahon lor aSlIslance may only be oblamed Irom tl coneumer credit counseling ag.ncy. The
consumer' 'edll counseling agoncy Will 8S11151 you In II lUng Oul your appliCation and Will submll your complfHed apphcatlon 10 Ihe Pennsylvania Houolllij Financ.Agency, Your
appllcallon musl be hIed or postmarked, WIthin Ihlrly (JOI days 01 your lace,lo,lace maeMg
If" extremely Imporranl that you file your appllCIJ/Ion prompfly 11 you do not do 50, or rl you do nof lollow the alMr (mIll p8r1od, /J8t lonh In Ihls 18U,r, IOf,,'O'U" may proc.<<J
again" your home ""medlalely.
Available fund5 ror cmerg&ncy ,"or'90011 .15515Ial1co lire ...sry luMoll They w!1I blr lll&bursed by rhe AgOr1cy urlllor lhe eliglblhly elltOrlO 8&llIblllShed by Ihe Act.
Ir 15 e~lra,"ely Imporl"nr lhOl your applicatIon be lICClHole L1nrJ campi tHe 11\ GvtH'! f!Jspecl Tlw Pennevl...,lnhl HiluSI11g FInance Agency has SI~ly (80) dOYII 10 make I deCISIon
aHer II receIves your ilppln;1I110l1 OUfmlj IMl i\{jIJl!u)f11l1 III"fl. no IOfS(I05UIIJ pfOCSedmlj5 WIll tlFJ l.llH5uelJ il\JrllflSI you II you I1Bve mot tho lIme reqUlremenl1l 50110rlh above. You
WIll ha nolI fled dIrectly by Ihill A\Joncy of II~ (hKliSlon on your appllcallon
ThO Pef1nsyl...anlll HOU5111!) FmilllCO Aquncy I~ locnleej al 2' fJ I NOfm Ffonl Strout, Po" Ollu:lll3oJl IIOtlO. HilflI5blJ/C], P.Jrlfleyl....f1nlll 17105 Talephone No_ (717) 780.3800 or
1.000.342-239"1 (loll IrOIl I1umbs!) Persol1s wllh unpalrad hOllrlll{) CrIll calt I.HOO<14;1.2:191
In lI1.1dll.of1 you may recolVu 111l0lhfH flollCalrQrn Ihls Itlnelm undorAcl t, olln7'1 Thill I1ollco I~ Clll!Ilt' Ihl! "Nolu:llllllnll!I1luJlllll Foruclo&ure" You must r08d bolh nOIlC.., Ilnc.
Ihey bolh e~plilln rl\Jhl~ Ihol you now h,lYlIlJIlIlm PIlr1nsyl 50 In HUH!;II;1l )O[Jr /101115 d(l~cnherlmthl& nolleR, you connol bo loreclosed upon
while you are reCelVIllI] Ihllt all!lIsl,lllCO
'-35:
VIlfY tlllly yows.
.,
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HEMA Rev -; 81!H
ACT 91 NOTICE
TAKE ACTION TO SAVE voun HOME 'ROM 'ORECLOSURE
Thtt ~l)m,'lLlllWltllllh Qr Po"n6yl.....IlIIl'1I HonllJO~IlIJ'li- ElllU'OtJl1I;~ MOl1lJnlJlIAI'\~IIiIIW((, ~)")orn'" '!lny 1)11 nl>lu III hUll) ~t)U HlJlILllha lollOWlllQ 11011(0 10 IIml oul how 1110 p'uglom
wQlka
II you 1lI1UtJ mUIII 11I10'01011011 cull 1t1lJ PUlll1ayl.."llllllilJIJIlIlItJ FUlilllCl1ArJl!Ilq.\I I liH](l) :.l,I~J~):JUI
LIl Ill)ltlu':OCIOIl un lItJlUnlQ UII tJu 5UIIlllltllPOtllltlCIlI, pUUlS "'Ill:lil tiU dtHudh) 11 (t)tlIIJ\Ijjj/ vr\IIIJrlrl,} I~II till (ill!ill 51 no r,r)lllp'l"\llu IJI (OIlII)I1IIJO tJo ij51111101IhClIc,~n Obl.nun una
",llJuCCUJn illlllll!lJIf)lllllllll'lu IllUlhltltJlI Utili. tIUIJI1(Il! IPtJ'11I5)I~ilnl'lljlllJtil"lJ F 1r1j\\ll-" (I.IIIJrlt'1l !il,II,llll)lJ!\ III '11Jl1lt:ro IlIl1l1r:IOlilltJo a"lbll PUlltJUIS !lijt IJIQU,Uhl pa'lI un prlt81amo
1J0f 1I1 plOI.l'lllllllllf1rtlllllU HOtlllluwrlll'l5' Enll)ltJunq MIHIIJlhJI! Ali5itilil11l.U Pr'l"',III1' 1'1 (uill 11Ij1HII! hill"'llI MJ ul~jJ 111I In porl)IIJll dollllHOchQ Ij.,qdlllllt ~u tllplJleCO
R E Account No
ACT 91 NOTICE
IMPonTANT, NOTICE OF HOMEOWNERS' EMEROENCY MORTOAOE ASSISTANCE PROORAM,
PLEASE nlAO THIS NOTICE,
YOU MAY DE ELIQIDLE FOR 'IHANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM 'ORECLOSUnE ANO HElP YOU MAKE FUTURE MORTOAOE PAYMINU
1GOOA'12 Dma Jun~ :4, 1~07
TO R
FROM
Ui'flir-l ~11f:n;.,n- .iG ",'(~',:i, ',tr,',>r-("r'ij-j". Pf" 17013-JI85
Fiirr:1::r~; ;r'lIsr (;r".l'jl~y'.l ',~~:t ;;1)1' ~tl'r-c1:-C~rllSh~f Pi\. li013
You m.y b. eligible for IInanclal slIlslonce Ihat will pr.vlnt fOrlclosure on your mortglg. U you comply with th. proYI'lon, 0' Ihl Hom.own.r,' Emerg.ncy
Mortg.g. Anl.lenc. Ac' 0' 1883 (thl "Act"I, You mllY bl 'Uglble ror em.rg.ncy '.mpor.,.,. ,..lltlnc. If your d.f.ult hll bltn ClUlld by clrcum.l.ne.. beyond
your control, you haVe S rI..orlabl, prospecl or ruumlng your mortgage peym.nll, end II you mitt other IlIglbl/ily requlrem.nt. IIt.bUlh.d by th. 'Innlylv,nl,
HaUling ,Inanc. Aglncv, PIIIIlI rlad all or this Nollce.1t conlaln. an I.planallon 01 your rlghls.
Undot Ihe Ac!. you artt QIWlled to a tompotory 51A~' 01 tmec.lotluro on yOljr mOtlgAge lOt IhJfly (30) dO~5 Irom the dale 01 IhlS Nollco. DUring lhBtlune yQu must offlHlge anti
allend a "laCIHo.lnce" rneelu1Q wltl1a reprOtllHlIOII\>l.lOl Ihl5 lenrJfH, m With A dotllgnatod COIHiumer Cflt011 CQul1fiollno agency The purp058 01 Ihls moollno 1510 attempt 10 wo,k
(jul a tepaynll.Jn1 plun, Ot 10 rJII1orwl5o 5olllo ~'Out delinquency fillS l11oelul\J rnufil occur Hllho nij~1 ttully elOl days
II you allend I) Ince.to.lncij fTllJetullj wlll1 0115 lender, or WIth a con5UJT1ur <.tedlt COUIl51J1lnO Aguncy IdantlllOd 111 thiS notice. no !utlher ptOCeedlng III morlGAge lorQc!osu'e may
laku placo lor tlll"y (30) daYfi aller 1110 dijlij 1)llhl5 meollno
Tho fllImQ, address aM Ifllephono ,1umber 01 our rt~l€senfatIYe 15:
\lijc:~ IJ l.iu-tch i ";1)11
l~IS ~ltn~r HI"hW~Y
Cdrli.l~, P,\. lir.U
i17-.2'f 1..7./:~~'
TelephOne Number
The 'lQmelrl, .(IddreStlleS), and phone numbers 0110) d8!\lonllled consumet crod.t counseling ogencYlleslls 10tul
f ~ I, /,
JlJl I, .:>crl)()t
Lurilsl~, ~I\, I{Vli
1115 only necessary 10 schedule one lace-Io-lace meellng. You should ad....se thiS lender ImmedlBlely 01 your intentions
Vour mortgage IS In delaultl;lec'~MlY04'r?...e lalled 10 poy promptly IIlsIaUmenl5 01 prinCipal and Interest, a5 reqUlrea, lot a period olal tesslll.,y (eOI dOys, The lolalamounl
of ~.~'ft'f.\'l'ff "1~aJ'''t:~'L~-~? toC,:, d '''<l~I, l\JrTh'e:!1\"' :~a'mt,'g. 'c~'1"w~~r i 1. 1997 i'lay 1 ')97, rind Jun~ 1997.
dnd 1 d~,~ (';r1ar':Jes 1 n cue ,~I1iOl!nt or ....:"o.l ~ I U
Your mc.r1gage 15 also 111 dlHaulllor Iha lollowmg reaSon5:
II you ha...e rned and IltB unable 10 tesol...e Ihls prOblem 01 or allet you' lace.lo.lace meellng, you ha...e the tlghllO apply lot fInancIal Bsslslance lrom the Homeowners'
Err '}rgency Mortgage Astl.slance Funa, In ordor 10 do IhlB, you mulSlllU oul, 81gn and 1.le a completad Homeowners' Emergency AUlIlance AppljC8110n with one 01 lh,
dt>",onated con5umer crsdll counseling agenc:es haled In 1M attachment. An application lor aSSlslance may only be obtained Irom II consumor credit counseling Boency. The
cOI"'Jumet creall counsollnQ agency Will OStllSI you 1I11111111g out yOUf applu;a\lon and \\'111 submll your cOmpleled appllcatlol1lo the PennSylvania Houllng FlnanceAgencV, Your
oppllcollon musl be Ilted or pOSlmorked, wlthlllthlrly (30) days 01 your fAce-lo.lace moellng
" If extremely rmpatlan! that you file your nppllC(HiOn promptly If YOIJ llo not aa so, 01' If you 110 nO/ fOllow the other flnJO periods set forth In thl5letter, foreclosure may p'oce~
agamst your hams Immediately
A...alloble lunds fot emergency rnOtlgo!]O lISSlslanco (lrc yllty Ii,mlcr) They Will bo dlsbursoLl by the Agency under Ihe ellglblllly CIIlatlo e5labhshed by 1M Act.
It 15 o_lremely 'rnporlam thaI your application be accuralJJ onlJ complele III IJliorry rc~pl!Ct nl(~ Pltnl15yllianlil HOUSing Finance Agency hllS SI~ly (60) dOys 10 make. deCIsion
allet 'I reCelliO$ yout f1ppllCfltlOIl Dutln!]lhflt iHJlJltlOlia! tllllt? '10 toroclOSlJrp proCtll:!ll!l1\)5 WIll bc pursued ayamSl you If you l1i1...a mal the lime reqUlremonls sel lorth abo...., YOu
Will be nolllled dlreclly by thaI AtJOl1cy 'Jr It:i \101:1$1011 orl your appllUllll)rl
fhtJ Ponnsyl...onllJ HOUSlflg FlrldnceAqel1cy 15 ll)CiHIH' al2101 NOrlh Fronl grlllol, POSI Olllcn 8m tl029, H,lfflSbwg, PenrHlylvnnlo 17105. Telephonl! No. (717) 780.3800 or
1.600-342.2397 (Iolllree number) Persons Wllh IInplllferl heAfmq Clln call 1.t100-3'12.2J!J I
In addtllQn you may rocelve a/1other r1Qtlce !rom Ihls Illr Ice IS C;lllurJ !hu "NotlCfl 01 111!0111101110 Foreclosure" You muM read bolh nollc", ,inc.
Ihey both e.plAln rlghlS IMI you nlJW ha...t' umlllf PI lJ$IJ to I~HHCISIj your 1Il]1l15 'JescrlbefJ In 111115 nollCO, you cannol be loreclosed u~n
w"Ile you atc recel...lng thilt ac.SIslllnCfl EXHIBITe
;;
I
Very I,uly your."
HEMA Rail 2 f!1!).1
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