HomeMy WebLinkAbout97-04818
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
FARMERS AND MERCHANTS TRUST
COMPANY OF CHAMBERSBURG,
Plaint if f,
NO. :
(j 1. "J/ r CU;,J .~
VB.
SCOTT E. HOOVER,
Defendant.
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claim set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by attorney and filing
in writing with the court your defenses or objections to the claims
set forth against you. You are warned that if you fail to do so
the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money
claimed in the complaint or for any other claim or relief requested
by the plaintiff. You may lose money or property or other rights
important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT
ONCE. IF YOU SHOULD NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO
OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FL., Ct~BERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
Telephone (717) 240-6200
Cumberland County on March 25, 1994, in Mortgage Book Volume
1202, Page 1143. A true and correct copy of said Mortgage
containing a description of the premises subject to said Mortgage
is marked Exhibit "B", attached ht!reto and made a part hereof.
5. On or about March 21, 1994, Defendant executed a
Promissory Note ("Note 2") in favor of Plaintiff in the original
principal amount of $7,180.06. A true and correct copy of said
Note is marked Exhibit "C", attached hereto and made a part
hereof.
6. On or about September 8, 1995, Defendant executed an
Amended, Restated, and Consolidated Promissory Note ("Amended
Note") in favor of Plaintiff in the original principal amount of
$53,301.34, consolidating the indebtedness of Note 1 and Note 2.
A true and correct copy of said Amended Note is marked Exhibit
"0", attached hereto and made a part hereof.
7. On or about September 8, 1995, Defendant made, executed
and delivered to Plaintiff a Modification of Mortgage
("Modification to Mortgage"), said Modification to Mortgage being
recorded in the Office of the Recorder of Deeds of Cumberland
County on September 25, 1995, in Mortgage Book Volume 504, Page
814, modifying the Mortgage to secure the additional indebtedness
evidenced by the Amended Note. A true and correct copy of said
Modification to Mortgage containing a description of the premises
subject to said Mortgage is marked Exhibit "E", attached heleto
and made a part hereof.
8. Defendant is the reoord and real owner of the aforesaid
mortgaged premises.
9. Defendant is in default under the terms of the aforeRaid
Mortgage, as amended by the Modification to Mortgage and Amended
Note, foro inter alia, failure to pay the monthly installments of
principal and interest when due. Defendant is due for t~e
January 1/ 1997 payment.
10. On or about May 7/ 1997/ Defendant was mailed Notice of
Homeowner's Emergency Mortgage Assistance Act of 1983, in
compliance with the Homeowner's Emergency Mortgage Assistance
Act, Act 91 of 1983. A true and correct copy of said Notice is
marked Exhibit "F", attached hereto and made a part hereof.
11. On or about May 7/ 1:':97/ Defendant was mailed Notice of
Intention to Foreclose Mortgage in compliance with Act 6 of 1974,
41 P.S. S101, et seq. A true and correct copy of said Notice is
marked Exhibit "G", attached hereto and made a part hereof.
12. The amount due and owing Plaintiff by Defendant is as
follows:
Principal
Interest through 08-15-97
Late Charges through 08-15-97
Escrow Deficiency
through 08-15-97
Attorneys' fees
Title Search, Foreclosure
and Execution Costs
TOTAL
$52,880.82
$ 3,467.24
$ 175.60
$ 414.56
$ 800.00
~ 1.500.00
$59,:138.22
,
ADJUSTABLE RATE NOTE
THIS NOTE CONTAINS pnOVISIONS ALLOWING (o'on CHANGES IN
MY INTEREST RATE AND MY MONTHLY PA YMENT.IFMY INTEREST
RATE INCREASES, MY MONTHLY PA YMENTS WILL BE HIGHER. IF
MY INTEREST RATE DECREASES. MY MONTHLY PA YMENTSWILL
BE LOWER.
......~a~.<:.l1.. 21,
94
, 19 ... ,
... ...... ~hamb.e.r sbu.r.r>'..
(City)
."....,
.. ... P~nn.a>,~ v.~.lI.i.~. .....,., ...... ."".".,."".,
(SI8t.)
30 Foreman Mill Road. Shippensburg. South Newton Township. Cumberland County, PA 17257
..,......."..".,.,...... ...."",...".......,...,....".,,,....,..........., ........'.............'....",......""..,......"..,
(Property Addr...)
1. BORROWER'S PROMISE 1'0 PAY
In return for a loan that I have received, I promise to pay V.S, $ ,".~,.9Q.9,..9Q""" (this amount is
called "principal"), plus interest, to the order of the Lender, The Lender is.f.~,.mH~,",!!,d"M!lI!l,l1",!!,~,Il,'
J'J!!etC9\'1PilnY9LCham\>et;ell.\p;g" ......"" "" ".."""", """""""""""" .
I undflrstand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer
and who is entitled to receive payments under this Note is called the "Note Holder".
2. INTEREST
Interest will be chm'ged on unsaid principal until the full amount of principal has been paid. I will pay
in terest at a yearly rn te of .....6.. .50... %, The interest rate I will pay will change in accordance with Section 4
of this Note.
The interest rate required by this Section 2 and Section 4 of this Notels the rate I will pay both before
and after Ilny default described in Section 7(B) of this Note,
3. PAYMENTS
(A) Time and Place of Payments
I will pay ptincipal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on """'.'.""
. MilyJ. . . "" , 19 ,.9,4,.., .1 will make these payments every month until I have paid all of the
principal and interest and any other charges described below that I may owe under this Note. My monthly
payments will be applied to interest before principal. If, on ""~p);',U,J,..."".,,, ""~Q,~""",, ,Ietillowe
amounts under this Note,l will pay those amounts in full on that date, which is called the "maturity date."
I will make my monthly payments at, f",rme.r.s....ll!!,d..)I.el,".~1l,l!,nt8,'l,',r!!,8,~,'(;CI.'!'PIl,lly"CIt,(;,l1'1.l1I,~Il,r,ll,burg
"'" .. ."""", , ...", , .. ..... """ ","" "',""'," or at a different
place ifrequired by the Note Holder.
(B) Amount of My Initial Monthly Payments
Each of my initial monthly payments will be in the amount of V,S. $ ,}.9,3. 40 "'" . This amount
may change.
(C) Monthly Payment Changes
Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the
interest rate that I mUBt pay, The Note Holder will determine my new interest rate and the changed amount
of my monthly paYllwnt in accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of ...........,Ap,[il..J,.......",..." , ,19 ,~,~,." . and on
that dllY evel'Y 12 th month thereafter. Each date on which my interest rate could change ie called a
"Change Date,"
MUL TISTATE ADJUSTABLE flATE NOTE -. 5'"QI. F'mlly
'I.ltlbl. .~M Progr.m
ICOP'l'rllJI'I1 A.y HOllgh Company InQ 1985
''"'1
(B) The Index
Beginning with the firHt Chunlle Dute, my intereHt rute will be bUHed on un Index, The "Index" is the:
(Che.:}, une box It) indicate Index,)
iI. (i) Weekly averUlle yield on United Stal.e. Treosury Hecurities adjuHted to a constant maturity of
"'''' """,one",,,,,,,,,,,,.,,,,,,,,,,,,,,,,,,,,,,,,,,, years, as made available by the Federal Reserve Board.
O. (ii) "Contract Interl1Ht Rate, PurchaHe of PreviouHly Occupied Homes, National Average for ull
Mujor TypeH of LenderH " published by the Federal Home I'lun Bonk Board,
O.(iii), ....."...... ....,..,..........,... . "......"... "....,,,.. .."....,..
-if mQff ,hon ()Il' bo:t i, ('hte}",J or If no box.,t r",elt,d, Gnd L.nd" rind Burrow" do not oth"Wlll 411'" III wrjll",. ,h. /In' Indu I14m,d wlllappl).
The most recent Index figure available as of the date 45 days before each Challge Date is called the
"Current Index."
If the Index is no lonller available, the Note Holder will chooae a new index which is based upon
compuroble information. The Note Holder will give me notice of thia choice.
(C) Calculation of Chanlfes
Before each Chunge Dote, the Note Holder will calculate my new interest rate by addinll """""""''''''''
,),00 .... percentage points ( ,.3.,0,0", %) to the Current Index.
(('hecla ont.' box to indicohl whether th, n,w int",., rat, will or u:i/l not bf/ routu/,d to th, neo".' I" of IlJt (0.126%,))
o (i) The sum, subject to the provi.ions aet forth in section (C) (iii), (C) (iv), (C) (v), and (C) (vi) will be
my new interest rute until the next change date,
W (ii) The Note Holder will then round the result of this addition to the nearest one'eighth of one
percent (0, 125%). This rounded amount, subject to the proviaions set forth in section (C) (iii), (C)(iv), (C) (v),
and (C) (vi) will be my new interest rate until the next change date,
(ChiC" approprIate bon. to indicate wlletn" th", arll any maximum limit, on chans" in th, intll'''' rat. on ,aeh Chang,
Date; il no box ., chtcltrd th", will b, no maximum limit on chanlll/,.)
o (Hi) There arc no maximum limits on any changes in the interest rate at any Change Date.
III (iv) The interest rate cannot be changed on any single Chanlle Date by more than " "",,"'"''
, .. ... l"OO", percentage points from the rate of intere.t I hove been paying for the preceding
, . ..ql.L,q,.,. monthe.
iJ (v) The interest rate cannot increase to more than . ...q.12,.5,QO,. ."'q percent at any time during
the loon term.
19 (vi)The interest rate cannot decrease to less than ..0,500 q percent at any time during the
loan term.
The Note Holder will then determine the amount of the monthly payment that would be .ufflcient to
repay the principal I am expected to owe at the Change Date in full on the maturity datut my new intere.t
rote in substantially equal payments. The result ofthis calculation will be the new amount of my monthly
payment.
(0) Effect.lve Date ofChanlfes
My new interest rate will become effective on each Change Dote, I will pay the amount of my new
monthly payment beginning on the firBt monthly payment date after the Change Date until the amount of
my monthly payment changes again.
lE) Notice of Changes
The Note Holder will deliver or mail to me a notice ohny changes in my intereet rate and the amount
of my monthly payment before the effective date of any change. The notice will include information
required by low to be given me and ..Iso the title and telephone number of a perBon who will answer any
queation Imuy have regarding the notice.
5. BORROWER'S RIGHT TO PREPAY
I have the right to maka payments of principal at any time before they are due. A payment of principal
only is known aaa "prepayment." When I makea prepayment, I will tell the Note Holder in writing that I
am doinll eo,
I may make a full prepayment or partial prepayments without paying any prepayment charge. The
N ate Holder will use all of my prepayments to reduce the amount of principal that I owe under thi. Note. If!
make u partial prepay.nent, there will be no change. in the due dates of my monthly payment. unle.. the
Note Holder agre8$ in writing to thOle changes. My partial prepayment will reduce the amount of my
monlhly payments after the fir.t Change Date following my partial prepayment. However, any reduction
due to my partial prepayment may be offset by an interest rate increaae,
6. LOAN CHARGES
If IlIIlW, which Ilpplies to this 10lln IInd which sets mnximum 10lln charges. is finlllly interpreted sO
thllt the interest or other 10lln churges collected or to be collectl!d in connect.ion with this loan exceed the
permitted limits, then: (i) UIlY ouch loun chllr!!e shull be reduced by the umount necessnry to reduce the
cbarge to the permitted limit; Illld (ii) uny sums alrt.udy collected from me which exceeded permitted limits
will be refunded to me. The Note Holder muy choose to moke this refund by reducin!! the principul I owe
under this Note or by muking Il direct poyment to me, If 0 refund reduce. principlll. the reduetion will be
treated 118 u purtiul prepllyment.
7. 80RROWl.;R'S FAILURE TO PAY AS lU;QUIRED
(A) Late CharlCe for Overdue Pllyments
If the Note Holder bll" not recdved the full omount ofnny monthly payment by the end of .1.5
eolendor doy" ofter the dllte it is due, I will poy a lot<. eharil" to the Note Holder. The omount of I. he ehorge
will be 5..00 % of my overdue pOYlJWl1t of principol ond interest. I will pay this Int<. chnrl(e promptly
hut only once on each late payment.
(8) Default
If I do not pay tbe full omount of eoch, monthly pnyment on the date it is due, I will be in default.
(C) Notice of Default
If I um in default, the Note Holder moy send me 0 written notice telling me that if I do not pay the
overdue umount by 0 certain dute. the Note Holder muy require me to pay immediately the full amount of
principol which hus not been paid and all the interest that I owe on thut umount. Thntdate must be at least
30 days nfter the date on which the notice i" delivered or mailed to me,
(D) No Waiver by Note Holder
Even if, Ilt a time when I am in defoult, the Note Holderdoes not require me to pay immediately in full
IlS described abov,', the Note Holder will still huve the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Hold,'r hus required me to pay immediately in fulla. descri bed Ilbove, the Note Holder will
hllve the right to be poid bock by me for all its costs and expenses in enforcing this Note to the extent not
prohibited by applicable law, Those expen"es in elude, for example, reasonable attorneys' fees.
8, GIVING OF NOTICES
Unless applicable luw requires a different method, any notice that must be given to me under this
Note will be I(iven by deliverinl( it or by mailinl( it by firstelass mail to me at the Property Address above or
ot 0 different oddress if { give the Note Holder 0 notice of my different addre"s.
AllY notice thut must be given to the Note Holder under this Note will be given by mailing it by fir.t
clas. mail to the Note Holder at the address stated in Sedion 3(A) above cr at a different address if I am
given a notice of that different addre"s.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore than one per.on signs this Note, each perRon is fully and personally oblil(ated to keep all of the
promises made in this Note, including the promise to pay the full amount owed. Any person who is a
!!uarantor. surety or endorser of this Note is also obligated to do these things. Any person who takes over
t.hese obligations, includinl( the obligations ofalCuarnntor. surety or endorser of this Note. is also obligated
to keep all of the promi.... made in this Note, The Note Holder may enforce its right. under this Note
a!!ain.t each person individually or against all of us tOl(ether, Thi. means that anyone of u. may be
required to pay all of the amounts owed under this Note,
10. WAIVERS
I and ony other person who has obligations under this Note waive the rights of presentment and
notice of di.tlOnor. "Presentment" Means the right to require the Note Holder to demand payment of
amounts due, "Notice of dishonor" means the right to r~quire the Note Holder to give notice to other
persOl,. that amounts due have not been paid.
II.UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some juri"dictions, In oddition to the
protections given 1.0 the Note Holder under this Note, " Mortgage, Deed of Trust or Security Deed (the
"Security Instrument"). dated the .ame date as this Note, protects the Note Holder from possible losses
which mil(ht result if I do not keep the promises which I make in this Note, That Security Instrument
desr.rihes how and under what conditions I may be required to make immediate payment in full of all
ilmountA I ow(' und(,T thi~ Note. Some of thHfle ('ondition,q Artl (lfl1'lcrihro H!ol follow~:
,.\ II \{,
-,'I. 'IV!.J
MORTGAGE
II
I
TIllS MUlfTl,;Ata: 1111l"J~ 1I1l'
2lst
...yof
March
, 1~94
bdw~.:n thlt Mortllilllor
Scott E. Hoover, Single Person
(hl/,rill
"&rrowtr''l. ilnd the Mort~illlt,
Farmer~ and.~erchants Trust Company of Ch"m~~~s~~r.g
P.O. Box T,Ch"nmersbur9,
PA
17201-0819
.. l'orplJrolUon orAl>lnj~(\1 .and l'ltJ5tinll UlliJll' the lawl of Penn5ylvanla, whou adLlruA 15:
therein "lAnJ.I'J,
WHER!:AS, u'",ower I. Ino..t,o to und.. In th. prln<lpal.um of Forty-eight Thousand. !!nCi
whl,h Ind.bt.dn...', "Id""d.y IJorruwor'. nolo d't.d MlIrch 21, ,1994
monthly inm,lIml!nu of princ;lpill IIml Intrrat, with the bala"..:, 01 the i",Jcbtrdnu", If
RoDOQ 1H~_tQ.Q.0,QO) 0011".,
. lhereln "Note"), provhUna (or
not lOOn., paid, due and piI~ablt 011
'u., "_. .,..,.,__._ nnl\I!1"Ull.1QUnn'_.____~.__,__._,..__.._,___.
TO S~CURE to Lender (a) the repayment 01 th.lndcbttdn.a. tvldlnetd b)l the Notl, with Inte,nl thman, lh. PAyment o( all other .um.. with intlrtlt th.,ton,ldvanced In
accordance hCl1wllh to protect the ICcurltyo(thll Mort...., and the pcrlormanc.ofth. covtnantl and aantmcntlo( Borrower h.reln contalncd.and(b) th. "paym.nt Q(an)' (ulure
advancc~ with Interut th.reon, mAd. to Borrower by Lender pursuant to parae_ph 21 hereof (herein "Futur. MYlncal"', BoITOWtr dOlI h....by mort..II', llrant and con...ey to
Lender the followinll drscribed propert)' localltd In the Count)' of . "__ ~_ .-...CUnlbcrland..__...__. _____~._____.~._, State of P,nnl)'l...ani'l:
Legal Exhibit attach<ld hereto as Exhibit "A".
whkhhuth"ddruoo' 30 Foreman Mill Rosd
ISI,"q
ShiDDeneburQ
IClty)
..
CO 0
..I: c:
i ;;C~:.o
~no
;00'"
~ ,-::0 ,,,
U1 :r- o'::tl
~,.,,-;
0::0:0
;;g 00",
0'" -
c: 'C t'r"J
.... :0:,.,,0
-'m~
..... -<0
en I (f)::O
...
%>0
".-----.-... --___. ______.__'_h_ ___.._.._"__~_____,__~___._
PA 17257
IS..,. ond Zip Cod.1
, Ih."ln .. PI'oPlo1y Add,.....):
TOCETHER with all the impro....m.nts now or her.aft.r .rect.d on the property, and III.Ulm.n..., rlthta. appurtfnanc... rent, royalll., mln.ral, 011 and I&H riCh IS and
profits, wllter. wat.r rillhl\ and wal.r stock. and all fixtures now or h.r.aft., attAched to the property, all o(whh:h, Includlnll replac.ments and additions th'rtto, shall be deem.d 10
l>e ..nd remain II part o(the property cO\Iered by this Mort"lIt; .and..ll of the (or..oln, to",th.rwlth said pru~.rty(or th.leaaehold estate I(thla Mort~.llon al'iNholdl irt here. n
ref.rred to u thf "Property,"
8orrower ..:ovrnanu tholt Borrower is lawfully seised of the catolt, hereby con....yld and haa the rlllht to mort.."., Irani and cl)nlJty the Property, th,1t the Property, is
,m."cumbcred, and that the Borrower will warrant and d,fend iI.n....II)' the Uti. to the Property ~ln.t all clAims and d.man_ subJ". to any d.clarations. easem.nts or
'utri!:Uon" lI!ftd in a schll!dule of illll;eptions to cO\IcraQI In an)' title in5urin~. policy In.urinllLAnder's Int.rtst In the Property, or such uccptions II art li.lId in.. schedl.llil
Jl'o...hJed oy blmower's dtt..)mdY.
UNifORM COVt:NANTS, 8orrowl!r and Lender CQ\lcnolnt ..nd iilt'lI AI (allows;
I, Polymenl of PrinciPii! .tInd Int.rat. Borrower shall promptly Ply wh.n due the principal of Ind Inter..t on the Indebtedn.1S ....Id'nc.d by the Nott, pr.p..ym.nt and late
~h.lf~t!s a' provided in the Notf, ant.! the principal of and Interest on 111)' Future Advllncu Stcur.d by this Mort...II"
2, Fundi fot TUII and In.ur.ne. . EKfOW,d II L.ndtr's O,Uon, Subject to applicable law or to il wrltt~n wilver by Llnd.r. BaITOWII' shall pay to lAn.J.r on th, day monthly
nstallmtnt1 of principal and i{lterut .II\' payabl. \Jndlr the Not., until (h. Not. is paid in full, a sum Ih'l'Iin "funds") equal toon..tw.lfth o(th. )'urly Wtl loRd wessmtnlJ whll: h
nay anain priorIty ')'/fr thi~ Mortll.d,.e, and lIJ'uund renU on th. Pmptrly, If an)', pluson..tw.lfth o(yea-rly premium in.t.allmentJ fQr h~ud Insurance, plull on.twlllfth of yearly
!remIU!Tlln.ltJJlml!ot1 f()r mortll.J~1l in,uran..:., if any, all ill l'tuoOllbly."UmatttJ initially and from tim. to Um. by Lender on lhe buis of us.um.nlS and bills an,J rt,uonabllt
!1tim,Hce..1t1hlreo(
'The Fund! sh.11I be hlllt.! in ,In in,1titlAtlon the depOSits or .1,;counts of which at. insuttd or Iiuaranteed by I 'ederal or Stat. aillnq lindudlnlll.cndtlr if l.cnt.!llr L8 1u~h.ln
n~tlt\Jti,)O' l~n(Jer ih,IJl Jpply th" Funds to ~oly \aid talCes, .a.sllessmenlJ, insuran,. pr.miums Jnd Ilround tenll lAnder ma)l nnt charli' for so hoh.!ln" "nJ JpplYlnll the ~'uild:\,
lMal'j'JlIli 1,li,J J~~"\lnt, or verdYln".lI1J cOMpllinli w.lI.l.5:tlt,sm.nts and bHI~ unltu und.r pay, Borrl)\~lIr inltrut on the F\lnJs ..nd .appllcabh, law P'!rmIUl.cnJl!r te) m.tlk1l1U~h J
hicA 1.~02 PAa 11 t1
(harlitt. nlllmwrr anJ '..tndtrmJY agru In wriling at lJll ,.me of euculllln elf thi~ Ml)fl~,lIlC that inler...~t on tht Fund~ ~'jall he paid jrl llorrllWfr. and untu~ ~lJch illtrremrnt Is madet)l
appll(ahlr law rrQuirt~ ~U(" Inlfresllo ht paid. (A'nder shall not he fequlred 10 pay norrower .lny Intert:'!t or earnlnll.$ on the Funds, l...,nJer shillllliven 10 8orrowl!r, wilhout ch"~I!, af
annual ,J,wlunllng nf the ~'unJ~ fthowln.ll (fedl!', and tkhll.'\ to lhl! Fundft and lht pUrpoSe (or whh:h fa(h debit 10 the Funds was made, The fUnds Me I:lle,j~fd il.saddlllllnal5C'(untj
fnr tht sum~ Mcufed hy this M'irt~allt.
Iftht amount oflht Funds held by l..tnder. tOllether with the future mOlllhly In"lallment.,of FundI' payahlll prior 1.0 the due dates oflau, uuumenu, Insurance pl'l!mium~
and il:nJund rtnts, shall excffd Ihe itmnunt rtqulrrd 10 pay l\itir.ltaxe!, il8lIU!mrnb, Insurance prrmluma and .round !'tnls M!hl)' filII dut, such flIlcess shall be. at &rrowrr's option
'fHher prnmplly rtJ'l,lid to nllHllwp,r or crediltd to IJorrower on monthly inslallmtnts of Funds, If the amount of Ihe fundi held by Lender shall not be su(fld~nl to pay t;Ules
asses5mtnls, insur.lOce prtmiums and 1lI'0und rent., a..lhey fall due, Rllrrower shall p.ay 10 lAnder any amc)Unl ntCfSUr)' to make up the denclency within 30 days from the date noticl
I~ mailed Ity Lend!!r In Rorrllwt'r frquutlnll paymcnllhereof,
lfplln l\lymfnt in full of .111 ~um~ .'tcurtd by lhll\ Mot1l1alle, l..tndtr ~h.lll prnmplly rrfunJ 10 Burrower any .'und~ held by 1A'"dtr,lfundrrr.a~i&raph 18 hefeof the Pm~rtyl5 Si)ll
ur tht 1'n)ptt1y i., tllhtrwist itC1luir"d by l..tnder, l..tndtr I\hall apply, no later Ihlln ImmeJialcly prior to the sale of the Proprrty or its IcqulslUon by lender, any Fund.! held .lIthe liml
IJf applicatioll :u a nedlt allain,,1 the 5ums secured by this Mot1i1aile,
3, Appilcallon of Pl)'ments. Unltss applicable law pro~Idu olherwi~e. all payments recel\led b)l Lender undler tht Nole and parallrapha 1 and::! htreof shall be aplied by lAndt'
flnl In ~ymtnt of amoLJnl~ payahlt 10 Ltndtr by llorrower under parallraph 2 hr.n:nf, Ihtn to Intere!lt payable on the Note. then to the principal of Ihe Nott. and lhen 10 inlertlt anl
pl1ndpal on any Fllture ^d\lan(t'~.
4, C~rllfj; Lien.. norrower shall pay all taltt!l, aueMments and other charllu. nnn and imposition!! ^ttrlbutabl~ to the Propet1y which may altaln a priority over Ihi!l Mortj/alle
and It'a5thold payments or ground rtnu, If any, In the manner pro\lh:itd under p.1l'3ilraph 2 herrof or. If not paid In such manner, by Borrower maklnlil p.lyment. whtn du~, directly I,
the p.aYff Ihfrtof. Ilorrllwer shall promptly furnish to lender all noltcn of amounls due under thl5 parallYaph, and In the f\'ent Rorrower shall makt payment dlrrclly, Borrower ~h.11
promptly (uml"h tl) Lender I'I!celpts tyldenclnll. such payments. &rrower shall promptly dlscharile any lien which hu prlorit)l O\Ier U1is Mortilalile; provided, that Borrowrr shall nol b,
requirtd 10 dlschal1te any such lien so lonil as Aorrower shall ~ee In wrltln" 10 the paymtnt ofth. obllllatJon ACcur,.d by suth lifn In .1 manner acceptable to lAnder, or ~holll In ino(
faith contrst such lien by. or dl!fend enforcement of such lien In, leilal proceedlnQ,5 which operate to prevent the enforcement of Ihl! lien or forfeiture of tht Property or an)' p3r
thertof,
5, Hlurd I",uunce. Bon'ower shall keep Ih. Impro\lements now ulstlntl or hl!ru(ter erected on the Property Insured atlalnst loS! by nre. h.uards included wihin the tem
"ntended cO\leraile", and such othtrhiUanJs i15 Lender ma~ ftqul,re and In such alMunts and for lur.h periods as lAnder ma)l rtllulre; pm\llded, that Lender shall not requ 1ft that th,
amount of such coveralle exceed that amount of cO\leralle required to pil)l the sums secured by this MortaaQe.
The Insu~llCt' (an-ier pro\lldintl the Insurance shall be chosen by Borrower subject to appro\lal by Lender; provided. that such ilpproval shall not be unru!Onably withheld, AI
premiums on insul'3nce policlu shall be paid In the manner pro\lided under para~aph a hereof or, I(not ,aid In such manner, by Borrowtr makinll payment. whtn due, directly to d1,
In.,urllnce ClfTler,
All insurance policies and renewals Ihereof shall be In (onn acceptable to Lender and shall Include a standard mortilaQe clause In favor o( and In form accepuble to Lender
Lendtr $1'1.111 ha\le Ihe rillht to hold Ihe pollclu and rtnewalslhereo(. and Borrower shall promptl~ furnish to Ltnder all rtnewal notices and all rectlpts o(pald premium!, In th~ e\len
0( loss, Borrow" shall give prompt notlCt 1.0 the Insurance carrier and Lender, Lender may make proof of 1055 if not made promptly by Borrower.
Unl~sLendtr and Borrower otherwise aQree In writl"iI, insurance procetds :\hall be aplled to fest.oratlon orrepalroflhe Property dam1iled, pro\llded such restoration or ~pair i
econom!(al:y fusible and Ihe security of Ihls MortQaglt is not thutby Impalrc:d. If such restoration or repair Is not economically fwlble or If the security of Ihls McrtaaQe would b,
impaired the Insurance proceed!! shall be applied to the sums secured by this Mort,iage. with the excess. If any, raid 10 Borrower. If the Property Is abandnr.ed by Borrower, or i
Borrower falls to rtspond to Lender wtlhln 30dnY5 from the datI! notke i~ mailed by lender to Borrower t~ilt the insurance camero((eN to settle.1 claim for insurance bc:ntt1t~. unJc
Is author!nd to collect and apply the Insurance proceeds at Lender'! option either to restoration or repair of the Property (lr to the sums !tcurtd by this MortQJge.
Unlen Lender and &rrowel olherwise aQrel! in wrltinlil, any !uch application of proceeds to principal shall not extend or poslpone the due date of Ihe monthly Installment
referred to In parallraph! 1 and 2 hertof or change the amount of!uch Ins~lImenu.lfunder paralilraph 18 hereof Ihe Propert)lls acquired b)l Ltnder. all ri~ht. titlr and Intere!.t Q
Borrower in and 10 any Insurance pollde! and In and 10 the proceeds Ihereo(re!lultin,i from damalle to the Property prior to the we or acquiSition shall pMS t.o lender to the extellt 0
the ~ums secured by thi!! Mortgage immediately prior 10 such sale or acquisition,
6. PrtHrvation Jnd Maintenance of Property: Luschold.: Con<iomlnlumll; PI.anned Unit Dc\ltlopmentJ. Borrower shall keep Ihe Property in good I'I!pair and shall not COlTlml
wa..le or permit Impairmenl or deterlol'Jlion ofthe Property and !hall comply with the provisions of any lea..e if this Mortllage lson a leasehoU. If this Mortgalile l:\On a unit in,
cl)ndominlum or a planned unit development. Borrowtr shall perform all of Borrower's obligations under the declaration or covenants creating or IlO\lrrnlng the condominium 0
planned unil devtlopmen~ Ihe by. laws and regulation! of the condominium or planned unit development. and constltu~t documenl', If a condlrnlnium or planned unl
de\lelopment rider 15 fIlecuted by &rmwer and recorded together with thl!! Mort.llalle. the covenanu alld allreements of such rldtr 51'10111 be Incorporaled into and $hall amrnd an,
5upplemenllhe cO\lenants and agreements o( this Mortllalile a~ If the rider were a part hereof,
7, Protection of Lender'. Security, If Borrower falls to perform thd covenants and agreemenl" contained In this Mortilalle, or if any action or proceedinil i5 commenced whirl
materlallya(fect Lender's Interest in Ihe~, Indudlnlf. butnnt limited to, eminent domain. in~ol\1enc)l. code enforcemenr, or arranQem4nu or proceeding.. ill\lolvlng.- bankrup
or decedell!, then !..tnder at under's option, upon notice to Borrower, may makll such appearance!, dlsbur.le 5uch sums and ~ke such action a., Is necusary to protect Lend~'
interes!, incl"dln~ but not limited 10. dlftbur!ltment ofreJ.'onable attorney's feu not to lfl(clled 15llft o(the totallndl!bttdness, and Intry upon the Property to make rtlpaln, If Lende
reljlJried m()lt~llle in5uran.-:e .1S a condition of maklnlllhe loan secured by thi, Mllrt,iiJ,it, R<lrTower !hall pay Ihe premiums required to maintain such insurance in e(fc.;t unti15tJcl
time a~ Ih. rrquirement for !Iuch In!\uranclt lermlnatll!lln accordance with Atll'rowt"~lnd LAnder's written allrrement or applicable law. Borrower 5hilll pay the amount of ,11
mortltdllt insuran(e prtmiums In the manner pro\llded under para,iraph 2 hereof,
Any amounh di!lbuned by Lend., pursuant to Ihls pal'3graph 7. with Intere!lt Iherton, shall become additional Ind.bttdntsj of Borrower secured by this Mortllaillll. Vnles
Oorrower and l.tnder atITft to other terms ofpaymtnt, such amount! shall be payable upon notice from umdtr to Bom;wlrnqutstlnll payment th'!'tof, and sn.111 bUlln~en!lt. fron
the dilte of dlshunement at the ratelh1yable from Ume 00 time on oubt.andlnfl principal undltr the Note un leu pa~mtntoflnte...st at such rate would be contnr; to appllcablt Ia.w, i,
whch e....ent such amounU shall hear Interul at the hllilhe!t rate perml!lsibl. under appllcabl, law, Nothl"" contained In this panllraph 7 shall ",quire Lcnf'.r to il"ur .in)' Vlpen~eo
takll any aclion hereunder,
R. Inspection, Lender m.y make or aUN to be made reuonable etUrl.. upon th.ln.p.ctlonl o( the Proptr~. prOYtdtd th.. Lendtl' ,han "VI" Horrow"r notice prtor to .an
such Inaptct!on apeclfytn. reuon.ble UIlIe the~efor related to Lender'. Inleretlln the Property.
9, Condemnation, The procudll of any award or claim for damalleft, direct or con~equentlal, In r,onOfrctlon wUh any cf}ndemnatlon or olher Laklnil of th. Property or par
lherellf, or (or conveyance in liel! of condemnalion, are hereby uslllned and ~hall be pold 10 Ltnd~r
In Ihl! event of a tot.l' to1kjnli of the Property, the proceed" .h,lll be applied to the .ums s.cul'td by thl" Mortilalill. wilh thee lICe!!I, ifany, paid 10 Borrowel', In the C'\Ient 0( a portia
lakln~ of Ihe Propet1y, unle~ Aorrowel' ilnd lender ;;lh.,v,l/"e ,1~ree In wrltin It. Ihere .hall b. aplie\1 to the ~um!l s.~u,.d bythi8 Mortlla,i. such proportion of Ihe pl'Oc.elt5 u ill eqoJ
Ifllh.1t proportion which ~tJch amount oflh. sum,. ""cured by thl!l Mor111a~e immedl.ltely prIor 10 the Jute o(t.lkinli bean to 11'1. fairmartc.t ....alue 0(11'1. Property Imml'!~iatel:,l prior!
the Jahl of t.lklnil:, wUht thll bill,lnu of the proc'dd~ paid to Rormwe"
1(lhe PrlJperly i~ ahandontd hy Rtlrrtlwer, or if, aft" Mtice by L4!nd.r to ROfrow('r that the ~ondemnl)l' offen to make oln award or ,eWe 01 claim for damJltfll, Borrower fail'"
re"pnnJ II) l.enlJtf within:10 dolv, ,1fter Ihe dill11uch notice i!l m.llled, lA!ndl.!r i., .111lhllrlUJ tn collect and apply Ihlt proceed.'l, at [..tnder'!1 option. I!Uh", to refttOr.Jtilm (}f rlpalr I)fth
Pri)!'er1'1 or 10 thi! ,"m, 'tt:ured !'Iy Ihl, Mllrt~illll!
l'nl.~" L,nder ,Ind Am10wer <Hhtrwl,t ,IIIYl't ii, wrlliOIl, ,11\'1 'll~h :IPDII".llil)O of prlll:tl!(l, to prindp.l1 ,1'1,111 nfl! utend or t!1i1tpclfle the due JIJf. of thl! monthly in11.11Inll!01
~vrl'rrl'd In 11\ PM,lltr.lf'lh1 I :llld:! h41r~"f nr \'h,1I1111.' Ihl' .lml)Uot 'If 'lll'h 1I1,1,.lIn",nI1
III lIurtllwl" ~'Il NI'I'''''ll, "'~I""11lIn 1)( Ihl' Itml' f"r !'l.Wlnl'''' nr rll,,,IIIl",llrnn nl .ltn"r!I~,Illlln of !ht "Jm11t!(\lrl'II!'Iv 'hl~ ,lo1nrtll,Illi! IInn"'tl hv I.f!ndl!r ,,} "ov .1J.c~e~:\nr t
It\r.'~l'1' ,,(I\c.rTl'WI" 111.111 rllll nr"~,111' t'l ~d",11f". III ,lilY m,mnf'r, Iht.' 11,lhllllv "~I Ihi! r\r1~ln,III"llr'(\w,'r :11"J l\nl"rIlWcr'1111(ft'1:\1\1"\ in lnll!mt l.tndflr .1'1.111 olll he tt'llllire\J 'II \~nmmln(
l'r'H"'I'dlt1 ~11I1illn~t ~IJ,-,h 1U<.','I'~"r ,\r (~f(j11! "1 ~'WI~nll time 'or r,wrlh'nl ,'r,.1 th'f\\'11~ IT!(\dl(v ,)ItWrll.~,lti"n of Ii'll! 1I!m" '''':un!,1 hv Ihl1 ~lnrlll,'Iilt' rr.,. H',l.'nn ()f ,In", JIlmallJ mi'lte ~ fh
"I'11il11\ t1llllft"wH ,I"" I\clmIWt'r~ 1IJfl'i"1or1In Illti'r.'~1
. ,'^l"\
. ~ ..
II t'orhunn~r b)' I.colin Nol. W~i~cr, An~ torbn,;> ~) llfn~llf In und'ln., illI~ Mllhl!)J rem. Ii)' hutunl!cr, I),.' (,JWlac 18tJr.Jcd ~ lPplk:.lblclAw, _hill nol be 01 wllver
OllH prrdulir lhot curd" I.lI iln)' lu,h rillhl or nmt.J)'. Thl ~u'cmtlll.o' I",uranu or the pi)lm...nt ul loll,. or other h. or ,h.uca by Lendtr .hlll net bt 01 wll...,r 01 Lcndn',
rlllhl ItJ imltrillr Iht mollurit)' uf tt" I"Jlbtcllnul ..(u.cd b, Ihlt Mur1al1alc. \
Il_ H~nllll'u""ulllul.llllyr. All r"Ill"JI"~ Ilrll\lIJl'J tilth" Ml/IlliJilt .HY ~h~lIt1d ':IllJ ~tjllJuJ..II~r 10 ~tl)lI)lhrr rlll.ht or ~lIlrJ)I Ullucr.lhll MorllllilllC. ()f .tturJrd b)ll..w ur '4ulI)', "-II
Ill,] br ...:tcr~'I.'I&!d ~')II(lJllI:ntl)', IrhJl'llwJentJy ur ~U~'(IIl'.~I\ld)'
11 Su~,ulor'llnd Ai,IIII" Hound; Joint and Sever.1 Llibllil)'; Clplh.UL The (U\lrll.lJ1U olnl.l ilIlrccm\!nt$ herein (ont.1lncll ~h.11 blnJ. ind the nllht5 hcrcunJrt shall be Inun: 10,
th r...~pt:~tIH ~U~(...sson .&IlJ .&sslilns of lAnder aIlIJIj(jnlJwcr. subJ~~t 10 Ihe pro...lslon of parailrilJlh 11 heulof, All co...rn;anU ;and illlrecmcnlJ of &mJ'.-'rr shalllw Joint ilnd '(...~r.sl
TI (.&ptl')JlS .U1J h(;aJIlltls C)( the p.lrallrilphs of this Mur1l1olllr .Ut fur 'onv~nltn(t onl~ and arc nullo be us.eiJlO Inlrrprtt or Jtllne the pro...llions hereof,
14, NoUu. EJll'\~pt (ur all~ IlIlUCl' r~quin:iJ umltr ilpplicilble law 10 be Ili...en in illlolher manntr.1.1l any notice to Uorruwu pru...iJrd for In thil MortiJl&" Ihall be Iliven by mallirlil
~u(h lIoli(l' b~ (I:tll(irJ lIlilll aJJrr.urJ 10 &nower at Ihll Property AiJJreSi or it luch other iuh1reu iIJ Borrow,r m.y d"ltIn~" by nolier to Lender IS pro...lded herrin, Illd lbl 11l~
n'JII<':... III LrnJn shall be tll...en by ((rtlfie..! milil, rlllum rtCehH rtquulrd, 10 ltnder'. IJdrU61t.11l1d herrin, or to luch other add,.u u wnder may dlll,natt by noti" to Borrower..
pruVtJ-:J heldn, Any lIotlce provldl'd (or in Ihl, Morttlatle Ihall be Jeemrd 10 h.1'o'e bun IiII...rn tl1 Uorrower or Lcndrr when lIi....n In the molnn.r duillnilhd hrreln.
15, Unllorm Morl4!'lIr; Co...erninlll.lw; S.vcribllity, Thil forrn of morlllalle combinu uniro"" co'o',nanU ror niltionll UII ~nd noo 'unlform 'o....n..nts with IImit.d 'o'anolliolls
by JunsJldlon to (ollslilu(r a unifonn srcurity InslIument co",erinll rral prOptrty, Thil Mortilo1liC Ihall be l10nrned by the I..w of the Junsdi~lIon In which the Propert~ is located. In
the e'Icnllhat iUl~. pn)'o'i/llon Ilr ctau&e tlf thl& Mllrtllallc or thr Nole ,"onlllclA with applicable law, lur.:h conflict shall not aff.ct olher pru...lslon. of Ihll Mo~alle or thr Note which can
be 6li...en ef(t~t WiUlOUt Ihe clJlllllctintl pro",ision, and 10 Ihll end th. pro",i510nl of thr Mortt&iij&t and Ih. Nole ire dcdar.d to be $I'o'rr;ablc.
16, 80rYower'. Cop~. &muwtr Ihall be fumlshrd I conformr\J copy o( the Note and of thll Mortll.illle at the time of .."utloo or afur ftcorloialion herrof,
17. 'tran,'" of the Propertyj N.umptlon. It III or Iny part of the Property or In Inlrr'lt therein IllQld or tran,(em\J by Borrowrr without lAndrr'l prior written Cl)ll\ent,
txcludlnll (I) thr crution ot it IIrn or .ncumbranc" subordinate to thl6 Mortal.., (b) the creation of a purchiH mon.y ",urtt)l intrrat for houlthol~ applianul, (cll tr;ansr" by
Jr",ise, ducrnl or by operation ofliw upon the dnth of aJoint tenlnt orldl thclltlnt of Iny Icuchold lntere.t oflhrn YUBor It" not con~inlnll In option to purchllC, L.cndc:r may,
It under's optIOn, Jecl..re IlIlhe lums secured by thl. Mortllllle to be immtdlately \Ju. ill\J payabl.. Ltndrr shill hi"'. waived .u,h option to Al:cel.ralt If, prior to the yle or ll<r.nsfer,
L.cnder and Ihr I)(rson 10 whom the Property II to be sold or transf.rred ruch aQ,retm.nt in 'Nl'iUnll that the credit 01 such perlon IIUtll(a(tory 10 Lender and thilt the inlerrst payable
on thr sums secured by thll Mortl&alle shall be II such rail as Lender shall requellll Lender has walve\J the option 10 accel'l'Il' provided In this plI'''araph 17, and if Bonow~'s
\U"U50r in illterut has u"uted a written auumption IlVe.mrnl .."cplrl! In writinll by Len\Jrr, Lender Ih..n releilH Dorrowrr trom 111 obUllitlons under this Mo~a. and the
Notr.
If ltnJH elIl!td5U such option 10 accelerate, Lender shall mall Borrower noUce of a".I.ration in accordancr with paralll'1ph 14 hereof, Such notice shall pr()",ide I period of ntll
Ins than 30 4il~S from the datr the noUce is mailed within which &rrowrr mily pay the sums drdiU'cd dur.1f Borrower fails to pay such sums prior to the expiration of such pt:riod,
Lcnd~r may, without further nolicr or demand on Borrow.r, in...ok. ilny remedln pennllted by Poll'3lV..ph 18 h.rtof,
NON.UNIFORM COVENANTS. &rrower and Lender furth" co"'enant and aQrer ;u follows:
18. AccrlerilUon; Reme\Jlel. Upqn Borrow.r'. brul.:h 01 anyco'o'cnlntor IQ:rtcment oIBonowrr in Ihl.Mortlli.e, Itldudln, the cQ\lrnuu to pay wh.n due any ION ..curedby
thla Morti&i,r, Lender prior to ucrlerlUon .hall mall noUct to Bonuwer u provided by iPplkabl. 100W .ptdMna: (1) Ihe bruth; 121 thr IcUon required to cure r.udl bru(h; (3l I
d.u. not IUlth.n 30 diiY' from the date the nolln la m.lI.d to Borrower, by which lOch breach mutt be curedi and 141thlt tIoUure to (\If' lOch bruth on or before the date .peclUr4
In the noli" m"y rfiult In uccllflllon of thll.umllMJrcd by thl. Morl...., forulOfure b~ Judkial prourdln.and III, 01 the Proptrty. Th. noU" .hlll further Inform Borrowr of
the rll&ht to rrlnstate liter i(celtrilllon Inli the r"ht 10 UNrt In thr forrdo.urc procrcdlnlllhe non'lll.lence of .. deflult o~ Iny other defe".. of Borrow.r 10 a<<elrQtion alld
foredo.ure.U Ihe bre.,h II not cured onor before the dIu apcdfted In thr notice, Lcnder at Lender', opUon mlydcdare III oItheauM'lCCured by thl.l Mor~I" tl) be Immediately we
..nd p.yablr .ithoul further demand Ind may loruloll !hI. Mortlli4e by Judicial proctedlnl&, L.ndtr Ihall b. enllU.d to culled In such proctcdln.1.I1 Upelll" 01 forrdolurr,
includln& but not limited to, rruonlble attorney'. '.11 not to .Icted 15.. ollh. to~J Indebted""6 Ind (oab 01 documcntuy .vid.nce, ab.tnctA Ind title reporta.
19. Borrower'. Rlaht to Reln.lIt.. Notwilhstandlnll L.cndcr'siccclcration ofth. sums Hcurd by tht.. mortlilaie. Borrower shall h.."'e th.rlaht to have Iny prrxu\JinilJ beflun by
under to rn(or" this Mortaallll \Jlscontinurd at any Urn. prior to at l.ut 001 hour prior loth, comm,nl:em.nt of bid din a at a sherirrs III. or other 511, pursUiI\t to this Mo~aar if:
(al Borrowrr pays L..:ndrr all sums which would be then due under Ihls Mort~iI', the Nole ind notu s"urlna Fulure Advan,u. i( any, had no accel.ration occu",d; lb) Borrower
curts ail brea~hL'3 of any othu co...tnants or atlrftmenls of Borrower conL1in~d in this Mor1l&aae; (c' Borrowrr pays ill reaJOnilbl. upenslS incumd by under In rnforcin" the
co"'cnanU and altreement!ot &rrowercont.1ined In this Mortaaae and In cnforcin.under's remlldles as provldrd In parallraph 18 hmof, Includinl&. but nol limited 10, rra.sonablr
.Htomey's feu not to exceed 15\ ofthr total Indebt.dness and (d) Borrower takes such action ~ Lender m..y rrason..bly require to .wure tholt the lien of this Mortllitle, Lender's
inltrest in the Property and Borrow.r'sobliQ:..tion to pay the sums srl:urcd by this MortiliJI sh~ll ,onllnu. unimpaired. Upon such paym.nt Uld cure by BoITGwrr, this mortllatle and
thr obJia,ations Hcurrd hrrrby shall r.maln In full force Ind r(feet as if no acerl.ration h..d oc,urrcd,
20, Aulanment 01 R.n~ AIlpolntmenl of Rt(rlver, Lend.r In POII.lllon. AI, addltlon.1 srcurlty hereunder, Bonowcr hereby u.illns to lAnder the rents of th Property.
provided that Brmower shall, prIor to le(tltr~Uon under paral&raph 18 hereol or abandonment o(th. Property, hilvt the rillht to coll.ct...,d rrllln such rents ~ they beeome due and
p..y.ble,
Upon Accrleratlon un\J" p&r'1i&raph 18 herrof or abandonment ofth. Property, Lender, in penon. by ,la.nt or by Judicially appointed receiver, shall be entitlc\J to .nter upon,
Uk~ possusion of and manaie the Property and to colltct Ihe rints of th. Property IncludinQ: tho.e paat due. All flnU ,ollll:ud by lAnd" or the rtcei'o'rr shall be ipphed first to
plyment ofth. COlts of manalllm.Mofthe Property In\J collection oIl'1ntt,lncludlnll. but not IImll.d to,rec.lv.,'s (eel, premIums on rec.I",,,'. bonda andrtuonabl. Itlomcy's ftes,
not to tlCcerJ 15' of the lot..llndebtc\Jn.u and then to the sums s"urcd by this Mortilallr. Lender and the r"etvrr shall be liable to account only for those rentl actually recrly~d
21. Future AJvinctJ. Upon requ.sl 01 Borrow.r.lAnd.r,lt lend.r'soptlon prior tQ "Irase of this Mortilillle, may make future ~dvanca ro Borrower, Such FUtur, AiJ"'anl.:~s, wilh
intrru~ therron, sh.}1I be secured bylhil MortiPile wh.n ,vld.nced by pmmluory notu stitinll that said notr. al1 se,urtd h.r.by. AI no tlm. shall the princlpal..mount of the
indebttdneS$ srcurrll by thla ~ortaaar, not Indudlnll sums ad",anl:ld in Il:l:ordanl:l hetewlth to prOlect the I.,uriry o( this MO~flQe, ul:t.d the ortalnal amount of the Nole
22, R.I.ue. Ut;lon payment 0(..11 sums secur.d by this Mortflat&., Lender .hall dJschari&' this Mortililll', wlthuutchiU'lIe to Borrow.r. Borrower shall ply III COIU o(rtCOrdalion, I(
any,
23. PurdaH MQn..~ Mor~llI& I( iill or part of thll sums secured by this MOfti&llile arcl.nt 10 Borrower 10 I,qulre title to Ihe Property, Ihla MortCa.,.ls htrltby dtclartLl to be a
purchase mon.y mortaaa..
IN WITNESS WHEREOF, Borrowrr hu uICuted this Mort..",
w,tn.~
~:_"---_._--,-,-
~~:~--j~.,
. Borrower
. Borrowltt
F & M TRUST C<J ~l,\R(l1 I ~H:I
&ood2(rJ fjt[ 1113
,-
ADJUSTABLE RATE RIDER
TillS AIlJUSTAlll.f: IlAn: Illllf:lll. ",uJ,'ill. 21 Juy.1 Horch ,Iij 94 ,
find i. inrorptlfuled inltJ and .hull b. dl/t1nJt'd to Ilml'nd and .upphmllnt th. Morttlllll', Dnd dtTrult or
8","..,lty Dt'"d lth "SIl'('unl)' In.lfl.lIntlnl") l,(th. IHUIl' dut'1II1""Hl by lh. undrr'llIn,d (th. "Borrow.,") to
'IH.-un.' Hurruwl'r'. All,u.llJ,bl" Rut.. Nllll' (lhlt "Not.") II) "Ul. n .nd HUf;l).nt, tfuU Cotp"ny
at Chamb,ubur& !thi' "l~"dt'r") uf lhi' .lIm. dllll!' IInd coverlnll lh. proptrly
dt'll'riht'ti In tht' St>L'unty In.trunJ.nt Ilnd IIll'lItl.'d lit
)0 YoulIlAn Hill Itolld. Sh1pp.nlllburll.l South NIII\,Itown TownNhtp, CIJmhul.nd Count)'1 PA 11257
i1'r"p"rl~ A,I..,....1
nit: I\on: CONTAINS I'IIOVISIONS AU,OWINO f'OIlCHANm:s IN
TH~ INn:Rt:ST RAn: ANIl nl~ MONTHLY I'AYM~NT. It' THE
INn:Rt:ST RAn: INCREASt;S. Tilt: OORROWER'S MONTHLY PAY.
MENTS WILl, Ot: HIGllt:R. It' Tilt: INn;Rt:ST RATE UECREASt;S.
TIlt: DORROWt;R'S MONTlH.Y PAYMENTS WILl. Ot: l.OWER.
ADllITIONAL COVfo:NANTS. In uddillOn to th~ COVI!Jhtntlllnd llil'turnenLll mad, in the Stellri')'
lnltrument. Borrower and Le.nder further coven!lnt and Bartee 111 follow.:
A, INl'~;REST RAT~; AND MONTHLY PAYMENT CHANGES
The Note provide. flH un inltlUl intefl!lIt mtenf 6,500 'Ill, The Note providu for chunae.ln th,int4trul
rl1te Ilnd the monthly pJl.ymenlll, IU fQllow.:
4. INTERt:ST RATE AND MONTHl. Y I'A YMENT CHANGES
lA) Cbanle DlIh~.
The iott-reat rate f will PIlY mllY chllnlleon the fint doy of A9rl1 ,19 95 ,and on
thlll doy every 12 lh month thereu(ter !!:lIch date on which my inttorut rat.t cOllld chaRII' i. called a
"Chanlle Dille."
(8) The Index
Bell'inninj: wilh the fir.t Chllnlle Dl1te, my intere.l rote will bl! bl1led on an Index. Th, "Indu"'. the:
,CI.trItOl1t bn:.- tOlfJdUQ/' Il1du!
!iI. (i) Weekly averi&lfe yield on United Stat.. Tna.ury lecuritie. adju.ttd to a con.tant maturity ot
ona yun, 81 mad. available by tht Fedtral R..trve Board.
O. (ii) "Contract Int.re.t RaLl, Purch8l' of PrtvloulIly Occupied Hamel, Nllionol Avtrlll't (or all
Major Type. o( lAnd If' " publi.hed by the Federal HOMIt Loan Bank Board.
O.(iji)
01( "w" ,lIu """ /Jell II r~,., bd o,.f'-<I /1.0... r~K.r<t../WI fA,..,., 1M 8o",Q_'.to...., olll'fWllU ..,..,.11 ..,11/",",.,At f,," IlIdu 'MIlloN ""U '.:1.
The mOil' rlte.nt Indn "Sll.... availabl. u at the date 46 day. before lIeh Chins. Date i. cIU.d 'h.
"Currenllndex."
(f the Index i. no lonser availabl., the Note Holder will choo.. a new index which i. bued upon
comparable infotmatinn. Th. Note Holder will,lve m. notice of Lhi. choice.
(C) Calcul.Uon ot Chan.e. . .
8.,(ore each Chan,. Date, lb" Note Holder will calculate my new inter..t. r~u.. by addina..
3,_()O, perc.ntase pointl ( ')'()()" %) to the Curr,nt. Index. Theln"r"lt. rate cannot.
incr'lIle to more than H..~,'9(J"""".. percent at any time durin, the 10lln term.
(("',eI. 011' fku 1(,1 ,,\dln', wltllll" ,It, nlw 111t1,.", ,Q/, 1....111 or Wllli1Cl' b, /'OIIN/td hJ rh, tUQfI,t ''I all'llo /O.l2~"I')
o (i) The .um, 'Ubjtc1 to t.he provi.ion'ltt (orth in aection (C) <iii). (C) (iv), and (C) (v) wUl be my n.w
inlAn.t. raLl unt.il the ntlt. chan,. data.
l! (iH The Note Holdu wUl then round the rnult of t.hi. addition to the neare.1Il one..ilhth ot ona
ptrcent(O, 125%). Thi. rounded amount, .ubj~t to thl! provilion. lit forth in Itction(C) (tin, (C)(iv), and (C)
tv) will be my n.w intar'lt. ret.t until the next. ch.-n,e date.
ICh,d. QPPffipl'IQ" 00:'-11 t<J millcal, wll"thtr'h""IIf1 <lI1Y M4'II11UI11 J.I11", al1 thQI~II'" tll, Il1ttrll' rQ.... al1lUth Ch<lI1~'
/)at,. If "" 00" I' ('h'tllld th,,,, I-IIIIIIH 1\1.1 IFlQ.umum l.m" Ort rhQ"~u.)
o (iii, Th.r'f are no maximum Iimi~1I on I1ny chllnllu in the intltr..t rllLlllt IIny Chanle Oalt.
1BI (iv! The iO'.ttellt tilt", cannot be ch"nlled on llny lIin"lt Chang. 0111.. by more t.han
~.OO percentl1j:t poinu ftom the rate of intereat I have blten puyinlll' for the precedin.,
12 monthll.
III (\I' Th, interellt rate cannotdecrealUt to 11111 than ,Q" '00 percent.at.llny tim.durin, t.h.
loan I.trm.
The Note Holder will then detltl'mine the amount of the monthly pllyment that would be .urncitnt to
repQy the principal I am expltcted to owe at the Chan,. Dllte in full on the maturity date at my n.wlnter..'
rate i1, ,ub.tsntilllly equal paym.nr... The reaultofthi. clllculatlon will b. the ntw Imountolmy monthly
pd)'rnent
ID) Eerectlve U.,. 01 Chen,e.
My n"..... inteullt rllt. will become ,rfeclivt.Jn .ach Chanlie nat.. I will pay tl\. umount 01 my new
monthly plJymtlnt be"inr.inll un th.lint munthly pllymlllH dllt" L1ftar tht> Ch,IMlIlt Dllt. until th. amouMo(
my monthly Pll,ym..nt ch;lnll'. Illlllin
\
MY!' TIS'U. ADJUSTA.... ....,. "'0'" 'I"'~I~ F.lrl"r,
"..ll)t."",w""Vrlm
. (')P~"l)llI fl_. HU"\l1l :."mpl". "" Hlftll
iOiiK120'2 PI~d148
.
PROMISSORY NOTE
r- :f:~~~~~ O~~~-~:4 :~~99L~o~_~ NOrBJ1 cO'~t~L A~C~~~t__J o~~c;r InlUa'e
Aelcrencesln lhe shaded area Ire'O( LenOOf'5 US8 only and do nol 11m.' the applicability of tM (jocumenllo an) a/lIeular loan or ~lem.
Borrower: Scoll E. Hoov", (SSN: In-54-(660)
)0 FOteman Mil. Rood
Shlppenlburg, PA In57
lender: FARMERS AHD MERCHA~ rs TRUST COMPANY Of'
CHAMBERS800G
MEMORIAL SQUARE OFFICE
20 SOUTH MAIN STREET
POS1' OF'FICI: BOX T
CHAMIlERS800G. PA 17201-06"
==:==.::.:.:.to=_-;-=---==~~~~.,..-.;:;-;:.-~o,,",,=:::=-:-==';::~'-=-=;;'-===-;==';-':;;-";:";=-;::::'.O-_':;;:_:'-'='~-',-:":~ _.-=:.:::::....---'-'-'--~-;:.=="".:.-=-.....~=~=
Prh'clpal Amount: $7,180.06 Intere.l Rate: 8.750% Dale 01 Nole: March 21, 1994
PROMISE TO PAY. I Pfoml..lo pay 10 FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBUAG ('"lender"I, Of order, In IowIuI
mon.y ollh. Unlled 5,.,.. of Am.ne., the pno<l,* omounl 01 Sev.n Thousand On. Hundted Eighty' oeIlOO OOllerl ($7,110.061, togelher
wllh Inlerest lII' UUt 'ale o. ..750% peI.,num on the unpakJ pnnclpel balance 'rQm Met,h 25, '"4, unlll P4'd In NIL The Inle'est rei. will nol
IncreaM above 11.000%.
PAYMENT, I will P-v thl. k>wIln II ~/mtnt. of $14...G4 Nth payment and en IrregulM laM peymenl eltlmated.1 $U7.". My "'st p.l)'lMnt
I. due April 20, 1194, end .n eubeeq.-1 P'tmenls.. due on the oame dey ol.ech month _Ih<ll. My ftnal P'tment ..III be due on _ch
20, 1019, .nd will be lor eI' principe! end 81loccrued Inlereel nol yel peId. Peymenl. Include pno<l,* end Int.reel. Inler...1 on IhIs Nolo is
computed on . 365/:)65 simple 1nIer..1 besIs; 'het Is, by OWIYIng lhe "no 01100 .nnualln'.....1 rile C1VIf lhe nu,nbet 01 daY' In . yeor (366 dl>1ng loop
yeol1), multiplied by lhe ou"londlng prioopal bol.""", multiplied by lhe oclual number 01 daY' lhe poocipal h.lanctlls ou""'nding. I.... pay L_ .1
Lender's IddrMS shown Ibow Of II such other place as Lender may des!Qn.ale In WTl11ng. UrieM otherwise agreed Of required by appkabAe .w,
paymefl~ will be applied I\r'sl to any UnpAid coUecbon Co:its Ind any Iale charges, lhen 10 any unpaid Inlerea1, and any remaining amounl to princip.aJ.
PREPAYMENT. 'mey p,y "'Ihoul ~.neJty .11 or . portion of Iho Imounl owed ..rllor lhee ~ is due. Eerty paymen" ..,n not, unless '0'_ 10 by
lender In writing, re6ew me of my obIgation 10 continUd to malle ~,*,yment5 under lhe paymenl schedule. Rather, lhey will reduce the pOncipal
balance dlJO and may fa5Un in me mailing few8l' pllyments.
LATE CHARGE. If. peymenlls 15 day. Ot mor.lole,1 ..." be chergod 5.000% ollhe regularly ocheduled paymen!.
OEFALl. T. '1NiII be 'n deI.un . .ny "'the 100IowIng I1eppens: (I) II.W to me,o .ny paymont ......., due. (b) I bl.., .ny p<0<Tlise I he.... mede 10
Londo<, Ot I feM 10 perlOtm proo.,ay lithe Ume .nd $Ir1cIty In the mennor provided In IhIs Nolo or.rry .gr..menl relaled '0 lhis Nolo, or In.rry 01'-
.gr..rnenl or toen I he.... wtIh Lender. (c) MY _nlollon or slolemenl mede or furnished 10 l.en<W by me or on my behe" Is 101.. Ot _(jog In
''''1 meleriaJ n>specI. (d) I <Ie Ot lleconw InsoIvenl, . _ Is .ppoInled for .ny peJ1 0I1fPt p<operty, , me,. In essIgnmenl lor the _ 01
credll"", Ot .ny p<oc:eedIng is commenced el1heJ by me or egeJnsl me unoor .ny be"'rlJlllcy Ot r.ooIvency kl'.... However, my delth ..... not be .n
event 01 defoull W u . resull 01 the deelh the tndellied.-. II IuIty covered by credllll1e InslK.noo. (.) Atry creditor tries 10 Iok. Iny 01 my p<~ on
Oi In ..hlch Londo< hu a len Ot security In_I. Tho Indudes. garni$hment 01 .ny of my .cc""".. with Lender. (I) My c.llhe """'.. _ In
,hit deloull "",lion OCXln wtIh respect 10 .ny OUIIlnlor c1lhis Note. (0) L.nder In Oood Iolth -.. _ Insec.....
ll.ny del.,,", 01'- 'hen. deleiAt In p"yment, Is c....bIe .nd W I heve nol been gi....n . nolle. 01. breech oIlhe ..me .,..",is"'" 01 this _ ""'hill 'he
p<llC6dlng twelve (12) monlhs, K may be cured (.nd no wanl CJI deloun will he... OCXlKTed) lIl, _ receMng \Nf111on nob hom L.nde< demendlng
cur. of $UCh del4Un: (8) CUfe the detatJI wfthln ft"eGn (15) days,; Q( (b) it the cure lequires more.....n Mteon (15) days, lmmedlalely inihale slep5 wf*:h
Lender' detlms In lender's sole discf9tion to be suffldent to CIJI lhe default and lhefearter continue and complek) all '88son.a~ and neces.sary tlep$
Sutfidenllo produce compllar'l:6 IS soon as reasonabty practical.
LENDER"S RIGHTS. Upon default, lender may declare the enble unpaid pnndpal balanoo ()ll Ibs Nole and 0' Iccrued Uf\)lhj inler8"S1 immedWllety
due, wilhoul notice, .nd then I wi! pay thet .mount. Lender mey h... or pay someone II'" 10 help collect 'his Note III do not pay. 1.1so wiI pay
L.nder th.1 .m,,,"nl. This Includes, sl.t>ject 10 .ny imits under sppbble "w, Londe<', Illorneys' lee!; Ind L.ndo<'s lege' expenses ..hel'- or MOl
thete 10 . lawsuit Including .ll"""",,' _ .nd legel __ lor be"'ruplcy p<~ngs (Inc1u<1ng offorll 10 modity or ...:ole .ny .u1ome:lc sley Ot
Injunction), 'weels, .nd .ny .nlldpeled pIlOt.-judgmenl coIection ...'iCes. II no' p<o..biled b'f _'k;eble ...., I .Iso will pay .ny court cools, In
Idrjit\on 10 al other sums ploWied by'-tw. It Judgment is enltYed In connection with 1M NoIB. interest MI conllnue to ICClOO on INs NoIit .n.
ludgmenl .1 lhe ",IsUng 'n_t role p<<Mded lor In lhis Nolo. Thla NoI. he8 been _eel 10 lender end IICc.pled b'f lander In ""
Com""""'08lth of Penneytvanla. 11..... I. a law"'", I agr.. upon l.nder'. requeello _. 10 the lurledlcllon 01"" <ourle of Frritln
r.ounty, Ihl Com"""",,,,,",, of PenMylvan". Thle Nole _ be governed b'f end conelrued In ecCOtdanc:. wllh the _. 01 Ihe
Commonw'81lh 01 Penneylv_,
RIGHT Of' SETOF'F, I O'.nllo l.nder. conlrac1uel 1lOS-<eMory "",..tty In_ In, .nd hereby amlgn. cor>vey, _, pIedge,.nd Ir.nsfer 10 Lender
II my I1ghl, It1Ie .nd Inlereslln .nd 10. my .ccounls wtlh L.nder (whet'- checking, .....ngs, Ot some 01'- oc.:ounl), Including wtlhov' irmelon d
eccour>ls _ joInlty with someone _ Ind .1 eccounts , mey open In lhe tut.... .xcludlng _ .1 IRA. Xoogh, .nd 1r",1 Iccounls. ,._
Lender. k> the extenl pefmtffed by applrab6e law, to charge Of setoff ad sums owing on I~ N~ -o-instany al'ld II" 1uch accounts.
COlLATERAL.. TNs No&. is secured by. MoriOftg& deled M..rch 21, 199-4,10 lender on real property localftd In Cumbe1tdnd County, ComlTV,)nVtMllh
of PennsyfvarV.a. a. the Ierms and conditk>ns 01 which llre htweby Incorporated end made a pa.r1 ~ tM Nol.
Gf.NERAl PROVISION$,. lendet may deAay Of 'orgo (tn'ordog any of its r)ghts Of r4medle.-\ under thIS Note Wllhout losing them. I .rld any other
pet10n who signs, guarantees Of endorset Ihi'!. Nole, to II'\e extenl aNowed by ta'N, waive plesentmont, demand '01 paymenl, plot~t and nQtIce of
dl!tIonor. Upon any change In the lerrrws of I~ Note, and u~ oIher'Ntse expl~'\Jy slated In ~, no P4rtv who ~ns II'llS Note. whelher as mak.,
guarlnlor, accommodation mati. Of endoBef. shaN be re&eeMd from lIbllUy. All such par1le5 ~ tholt Lender may lenew 01 ext,o'" ('Ipeatedy and
for Iny IerlQlh or time) this ~n. Of I.....,. .ny party Of gUBrlnlor (of cotlal8l'al; Of Impail, ,.11 IQ ~ upon Of r>tttect l.."def', So8Cunfy 1I'1ler" IOlhe
collllil.,al; and ~k. any OIM ICKon dMmed I"I8CeMary by l.ender without the consent of Q( notice to anyone. AI such ~rflfJs 1t50 Igree Il"IIIllander
may modHy INs loan wilhout the consenl of Of notice to anyone 04her lhan the plirty WIth whom nw modibtion IS made. If Iny ~Of1ion of lhts Note .
IOf Iny reeson delefmined 10 bft unenforceable, it will not affect lhe enforceability of any other 9f~ 01 Irw, Note
AMENDfl1, RESTATED, AND CONSOLlOATED
PROMISSORY NOTE
~.. Principal Loan Date Maturity Loan No cai'-lcolldte~ Account lONlcer 1---.oiIJala
. 53 301.34 ~8-1995 09-ll1-2025 RE~ ~
Relerel1Ce5 In tho shaood area are 10( Landor's U'SO only and do Ilot IImlllho 8Epnca~t this documenlla any partlculSf loan or 110m.
Borrower: Scon E. Iloover (SSN: In-54-<MlSC) Lender: FARMERS AND MERCHANTS TRUST COMPANY Of
30 Fore"an M'II Road CIlAMBERse~G
Shlppensburo, PA lnS7 MEMORIAl. SQUARE OFFICE
:10 soum MAIN STREET
POST OFFICE BOX T
CIlAMBERSll~G, PA '7201-<18'9
==":':::-'='::"';;:':'_~:~-:'-"':':"':''''':::_:::.'-;..::.=::.~-=;~.=.--:;-~-=,,--:;..;;;:; .=;'-='~.
Principal Amount: $53,301,34 Intereat Rale: 9.300.'" Date 01 Note: September 8, 1995
PROMISE TO PAY. I promise to pay 10 FARMERS AND MERCHANTS TRUST COMPANY OF CIlAMDERSOllAG ("Lender"), or order, In I_ul
money of the United Slales 01 Amertc., the prln,l~ amount or Fifty Thrfe Thousat\d Three Uundred One & 3-41100 DoUar. ($~.301.34),
together with Interest a. the rile of ..300% per annum on lhe unpaid prlnclpai balance from Sep~ember 13, 1et5, unlll paid In full.
PAYMENT. I will pay thl. loan In 310 paymenls 01 $439.05 each paymenl. My nrsl paymenlls due Oclober 1, 19~5, end ." subsequenl
paymenle ere due on 'he oeme day 01 eech monlh ener Ihel. My fine' paymenl w,,, be due on SOplember " 2025, .nd wlll be lor ell principe!
Ind ell eccrued Interest not yet paid. Peymenls Include prlnclpel _ Inle..el. 'nl",..1 on 'hi. Note Is compuled on e 30/365 simple Inleros' b....'
lhet Is, with lhe exception 01 odd <leys In lhe IIIsI paymenl period, mon'h'y Inle<..11s ulculaled by epp/ying lhe r.1Io 01 'he annue'lnle<..1 rale over .
\'MI' of 360 <leys, multipUod by lhe outs"'ndlng principal b.lance, muttipll4>d by. monlh of 30 deys. Inlarosl 'or 'he odd <leys Is C4lculaled on lhe be...
of the r.cfual days to the next tun month and I 366-day)'Oll. I w1II pay lender allA!nder's Iddr8S$ shown above or al such olher place &5 Lender may
designele In Wliting. Unless 01herwis<J egreed or requtred by eppllcable law, peyments will be applied IIIsI 10 e""led unp.ld Inl.ros', lhen 10 prlncipel,
and any remalrlng amount 10 any unpaid coRecUon costs end late chatges,
PREPAYMENT, 1 mey pey wlthoul penally" or . pOf1lon oIlhe .mounl owed earlier lhen ~ Is due. Eerly p.ymonls will nol, unlos. .greed 10 by
Lender In Wliting, rollo\l'O me 01 my obIlgation 10 continue 10 rnak. p.ymenls under lhe paymenl "'hodula. Rathe<, lhey wiQ redOOl lhe prinopal
balar\C8 due and may fesutt In me making fewer payments.
LATE CHARGE. lIa paymenlls 18 day. 0< more r.1e,' wil 00 chergod 5.000% of Ihe regullr1y ac:heduled paymenl.
DEFAULT. I wlJl be In default ~ .ny of !he loIlowing happens: (.) I t.H 10 make eny paymenl when due. (b) I break eny promise I he"" made 10
lender. or I tal to compty wtth Of 10 perform when due Iny other term. obligation, covenant, Of condition conWned In this Note or any -oreemenl
related to INs Note, (X to any other .greement or loan I haw wtth lender, (c) Any represents.bon Of statemenl ~de or furnished to lender by me or
on my _ Is Ie"'" or misleading In .ny malartal respect either now or ellhe time mado or lurnished. (d) I die or become Insolvent, . __ Is
IppOInlod lor .ny part of my property, I make .n assignment lor !he beneftt of creditor., or .ny proooodlng Is commenced either by me or egolnsl me
under any benkruplcy or I_ncv laws. (a) My credl10r bios 10 lak. .ny of my property on or In whlc:h Lander hes . lien or secUrily 1-"'1. ThIs
Ir.cludlle . gambhmenl of eny 01 my accounts wtIh Lender. mAny oIlhe .vents doscr1bod In IhIs defa.-, secfton occurs with respect 10 .ny gueranlor
oflhls Nolo. (g) L.nder In good 18llh dooms ItsoIf Insoc.....
" .ny del..-" oIher Ihlln e dolault In paymenl, Is curable .nd ~ I heve nol boon given a notice 01 e br88<:h oIlhe ..me provision oflhls Nolo within lhe
precOOIng - (12) monlhs, It may be c...ed (.nd no .....nl of dolault will haV\l ClCCUITed) ~ I, eller rocoMng _n nollco ~om Lender domandlng
cure of.uch doleull: (e) cu'" tho default wflhJn ftM.n (15) <leys: or (b) ~ lhe cure requires I01",alhen "neon (15) <leys, Immedlalely Inlft... slops which
lender deems In Lender's soh) discretion 10 be sufficient 10 ClKe the default and thereonOf' continue and complete all rl88sonable and necessary steps
sutftci8nl to produce compliance as soon IS fNSOnably practical.
l.ENO€R"S RIGKTS. Upon det.lAt, lender may, Iflet giving SI,lCh notlcos as requited by appllcaolo law, declare the entire unpaid prir.clpal baJ4nce on
tNs Note and an accruer;t unpaid InleresllmmedJ.ately due. and IMen I will pay lhal amount. Lender may hire or pay someono el!.e to hetp calect lhis
Noie if I cia nol pay. I also wtI Ply lender that amounl. This Indudes. subjocl to any ~,,"jts under appicable law. Lender's attorne'f$' fees end lender's
Iog8I expenses whlllhow or nollherw Is . laws"', Including a""rneys' foes .nd Iego.J OXl>8nsos lor benluuplcy procoodlngs Oncludlng "fforls 10 modI1y or
vacele eny .ulomellc sley or Injunc1l0,,), _Is, .nd eny .n1Idpelod pool-Judlimonl collection........... II nol prohiMed by .ppllceble law, I also will
pay any cOtKf costs. in .ddltion to.. other sums j;)(ovtded by 'ew. tr JudfJmont is entefed In connection with this Note. Interest will C',ontlnue 10 accrue
on IhIs Nolo .1Ier J'ldgmenl .1 the Ildsltng Inl",..I rata pl'ovlded lor In Ihos IIlo"'. This Nole hes been delivered 10 Lender and occepled by Lender In
the Commonweatth of Pennsylvlf'lla. If there It I l8wsult, I .tgree upon lendet'. request 10 aubmlt 10 the l...tscUcUon 0' the courts of Franklin
County, lhe Com_eeltlt of PellnoylYlllle This Nelle _, be governed by and con,'rued In lC<ordance with the _s 01 the
CommonweeHh of Pennsylvan'..
RIGHT OF SETOFF. I Qrenlla Lender 8 conlrlc'""' jlOSS8SSCf'( ...ur1ty Inler..' In, .nd her8l>y e..lgn, convey, _, pladQO, .nd lransfllr 10 Landor
.. my righi, IItIfI Ind In_' In .nd 10, my eccounts wilh lander (whelhw cl'<<l<lng, ..vlngs, or some other accounl), Including wtIhoullrnotallon .n
.accounts held joIntty with someone 81158 and III accounts I may open In the Mure. excludlr~ however aA IAA, Kdogh. anr.llrusl accounts_ I 8ulhOf1le
Lender, to the ff'xlent perml<<ed by appllcabl4law, 10 ch4rge or seloff on 'jums OW11"1Q Of' lhis Note aQ8insl any and al such accOunts.
COlLATERAl.. This Note i5 secured by I MOffgl1ge daled Match 21,1<)1)5,10 lender on reaf property loctled In Cumberland County, Comrncnwoilllh
of Pennsytvaffi8. dll the letms and conditions 01 whICh are horooy Irx'orpora!ed al'd mtli1e 8 part of IhIs Note
AMENDED, FtESfATED. AND COHSOlIOATEO.rhm Amended, Re".I,lled. IInd Consolidated PromISSory Note amends, restates, and 0005ohdute-;
Ind Is no' to be In sub~Ututton let or novlltion of (a)lhal CCftain Adjuslable Hate Nole daloo M~rch 21, 1994, 8X8CuttJ(J and delivered by BOfrower if'1
favor of lender' In tho original pr1nc~llmoun' of s.ca,ooooo, and (t.) thai cellarn Proml5Sory "lole daled March 21. 1994. {Ixeculed Ind delivered by
Borrower I" 'avor of l8nder In the original print;loal 4maunl 0' 7,180,06
GENERAl PROVISIONS. Lendet may OOlay (;'I fOfOQ (In'OfClI1Q IrlY 01 Its rlgMl5 Of renledle$ undQ( Ihl!\ Note wtttloul lOSing them, I Ind any olher
person who sjgrt5, guaranlee5 or endOt"\.e1 thIS Nole, 10 the extent allowed t.y law, Wl)tlle presentment, defT\4lnd 'Of paymenl, prole,t Irld nollce 0'
cflllh,)i\(M', Upon any change In the tefm!l of Ihls Nlile, Ind unle51 0lherwi5e ftxp/8'1Sly "hired In writing, no plrly who ":lgn'$ lI'u!'S Nole, wMlhef .!I maker,
QuarlntOf', accommodation rT\Aker Of 8ndor~r, '1hlll 00 rele6.'$ed tram Ilablhty All Slx:h paril&.s .gree Ih,,1 Ltndef' mt!y renew or extend (repNtedly Ine'
tot Iny length 0' lime) thl~ loan, Of relea.-.e any pllr"l QIf guarantor Of c~IQtefl)l; Of Implltr, lalllo reallle upon or P4'fecf ltllder's "<<l)llly Inl.ut~11n Ihl}
colfdleral, AJI such p.rt~ 11150 Igree Ihal lender may modily IhlS loon wllhoullhe con1.enl 01 or l'1otlce to "nyon. other Ihan Ih., Plrty WIth whom Iho
modlbflon Is madtt
.
.
, . J c-J 9(, 1 r"
\J
RECORDATION REQUESTED B't:
FARMERS AND MERCHANTS TRUST COMPANY OF
CHAMBERSBURG
20 SOUTH MAIN STREET
POST OFFICE BOX T
CHAMBERSBURG, PA lnol-oall
'9.'1 r:o
\. .../fiJ,..
t::;
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1717 J 0
/1),
WHEN RECORDED MAIL TO:
FARMERS AND MERCHANTS TRUST COMPANY OF
CHAMllfRSBl-'lG
20 SOUTH MAIN STREET
POST OFFice BOX T
CHAMlIERSllUIlG, PA lnol-oalt
SEND TAX NOTICES TO:
Scon E, Hoo...
30 FOI_ MIII_
Shlppen"""U. PA InlS7
SPACE ABOVl! THIS L1NI! IS FOR RfCORDER'S use OHL Y
MODIFICATION OF MORTGAGE
THIS MOllIFICATION Of MORTGAGE IS DATED SEPTEMBER t, 1"1. BETWEEN Scon E, Hoo.... (r-..clto below u "Gr..tor"), who..
IOddr... '1 30 _ ... _. SIll_iburg, PA lm7; _ FARMERS AND MERCHANTS TRUST COMPANY Of CHAMIlERSBURG
(re/errad 10 _.. 'Undef"l. whoMlOddr.u Ie 2C SOUTH MAIN STREET. POST OFFICE BOX T. CHAMlERSBURG, PA 17201_'1,
MORTGAGE. G<anlor and Linder haw .nlerod Into I mortgage dated Mvch 21, 1994 (!he "Motlgago") recorded In Cumbef1and County,
Common_ 01 Pennsj!\lania .. 'Glows:
_ In CUmberland r.ounly Book 1202 Pege 1143 on Merch 21. ,_
REAL PROPERTY DESCRIPTION. n. Mor1gege ~ the _ng _ reeJ p<operIy (!he 'ReII Properly") ~Ied In Cu_nd County,
Com_ 01 Pervw)lvenia:
SEE ElMIIIT A
n. ReaJ Properly 01 iII_1o rMnmorly known u 30 Foremen Mill Roed. Shlppeneburll. PA 172l57.
MOOtFICAT1OlI, G<antor and Linder hereby modIy Ihe Motlgage u_:
" n. _ rele _ chenQlllI'om . "'Iu_ relelo .lIlled ....,
2. """ _ lerm "Mo"" Ie '*-lly __to _ lhe Adl"- Ret. Mole _ MIrclI 21, 1_. _ad _ _...ad by
Gr_ In _ 01 Lender. .. ....._ _ ..-ad by lhe! cer10In __ _ _eel PromIMOf)' _. _ of .... daI.
_. exec:uted Md dell..red by Gr..lor to Lender, In Ihe or1g1.... principii emounl 01 ....000.00 _ eny Mure reMW....
.--. _nc.tlona, "ft_ua. _ -:onoolklellonllhereol _ ,,11I1_1e _ aubllllullonl \hefecw..
CONTINUING YAlIDlTY, Except.. _,ry modified Ibow, Ihe \ern.. of thl Oo1gIn.oI Morlgage ,hat ~n unchanged and In lull 'orce Ind_
CGnoent by Lander 10 thIa M_1Ion _ "'" "'aMI lAndar', rtght 10 raq'" ,lr1cl performance 01 the Mor1geQll .. chlnged abow nor oWgo
Lender to maI<I Iny IutIn rnodItIcolJons. Nothing In Ihio M_!Jon Sha! conslllultl a ",lIsflction oIlhe promissory ,.,.. 01 Ol'*' credit _--
secured by IhI Mor1gege <the"Nole"J. 1110 lhe Intention fA l.nd.. 10 retain .. _ a. parlIes 10 !he Morlgage and d parIet, _.., Ind endol1*S Ie
Ihe Hole, Ir1dudIIlQ aa:omrnoda!Jon parlIeo, u_ I party 10 uprllSSly _sed by lAnder In -1l{I. Arrt """. 01 .~, IncIudIIlQ
aoc:omrnodalon _, ,,... not boa _ by ~ oIlNo -'Ilon. N Iny _ who signed the or1gInaI MOI1gege _ not sign \No
M_IIon, Ihen d perwns slgnlllQ below acl<nowIedge lhat Ihio ModIftcallon II ~ condtlondy, based on tile __lion to L..- thelthe
IlOIHlgnlllQ person C<l<88nta to IhI challQ8ll and p<-- 0I1NI M_1lon or oIherw11e wII not boa _sed by" ThIa waNer awIeo not orty ..
any IniIIIJ 0'Ill0reI0n 01 mc:difIcallon, bul also 10 .. such 'tatquenllc:llonl.
EACH GRANTOR ACKNOWLEDGE SHAVING READ AU. THE PROVISIONS OF THIS MOOIFICA TION Of' MORTGAGe. AND UCH GRANTOR
AGREES TO ITS IfllMS.
GRANTOR: , (
X . ..(~~ t~. .cL-"~ 'MNJ
~
:~~d~'~:~_lhepr.-:_
'NIl II
X
-wil....- --
eoOK 50" fAct ~14
O~8-1995
LOlln No
MODIFICATION OF MORTGAGE
(Conllnued)
Page 2
.....-----..-------.
-...........--....
. ,_'--_~'.:...c...-_::._ ~-. -~;-:=a-._.
H'
-
~ENDER:
FARMERS AND MERCHANTS TRUST COMPANY OF CHAM6ERSllURG
ey:_,J.aL/Zllda;;;"
AUlhoriilli'Oiilc..
CERTIFICATE OF RESIDENCE
I '*-by c.tlly, lhallhe preel.. Iddr... 01 Ihl mOflgageol, FARMERS AND MERCHANTS TRUST COMPANY Of' CHAM8!RllIURO, h....n II u
IoIIows:
20 SOUTH MAIN STREET, POST OFFICE BOX T, CHAMBERSBURG, PI. lnOt-ollV
-7f Q 1VdiA
-,.._". -o/~ -- -. AllantV a'AQllnl fer ~orlOlQt.
INDIVIDUAL ACKNOWLEDGMENT
STATE Of
,<A-
I
)M
.J
COUNTY Of
,..11.-,
)~:~::'?'<~;:~'.. day 01 GA.....\.. / _' 199s: belate me lo~~ m. ~ ~ b r'\ . Iha
.il~'*1 . pononaIy ~var, known 10 me (or ..lIsfactOfl\' prown) 10 be !he panon whole nama II ItbsaIled
~Ulil-,VIll ,. : :, ock~ lhel he Of she lXICulod Iha same lot I". purpooea conlaJnad. ~
....~ . .lMraunloMtmy Mnd_ollle'-'_. . ~ Vb
. .(. It);.... ,". 't~1 ..
;;>~:: : 'I::~:::'''-::~~'' ~ s..I _~ . +-
.~.' .;:' ....,.~,V,~3..., LoMM.HecIlInan,NoWYr1Al'N
',.", " , .' '" ~Boro,FraMllnCoontv In Ind lor IIle Stale 01
.. aaIOn Elljlir.. July 20, 1998
1olon'IlIr, PI" .........fiUOOil' ~OWlEDGMENT
STA1l!Of~~____)
COUNTY Of -~'<\'l.\\'f\ _~ sa
h an"J, 'f'\
OroINs,Iha _~ day 01 "- , 9c.l~_ me -.lJi\~. \-\t'~ inv-y:::-~ Iha
undersigned NoiIIIy POOle, naJy ~ who ock~
1- ot _ 10 IMlIha _ ~'.AR"U1S AND _CHANT1 TllUIT
COfMIIoK't Of CHAIIBUlIIIURO, I CClf'IlO'IIIon, I he ot she U ouch I ,{ _ . being
~~~~~ng I~~U,,*,I lot lhe p'-"POfl'lS _n conlal y t1lng I 01... __/Ion by NmaaIl 01 ......
. :,l~)I~~IoMI ''''f - andollle'-' I ,I fa
I)~-.: ',-" '. ..,'.t~'~;~;' Notana' Seoll '1Ji..(! tJ..J~
:C:~' , ~~~:.' lorieM. Heckm.an, Notary Pubk .......__~__
';'4" ... r </. Ch_"""g Elofo, F',nUn COO'"
. , :'~ ~~:" My CommlIIIOn E.p".. JulY 2' '
'i' 'V. . "".. , , ,,,'." ..-
':'f.... -.v..c,.(: ....Off.V" HOte , ~.,..,.d. A.OJ01HOOV'''.l.NQllOV\1 - -
tJ":-'::VI ...;.." ,. '
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BOOK 504 PACE t) 1.'i
. ..
.
.
.
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-.
BXHIBIT A
De.cription of Real B.tate.
ALL that certain tract of land situate in South Newton Township,
CUmberland County, Pennsylvania, described according to survey by
Thomas A. Neff, Registered Surveyor, dated August 17, 1971, and
made part hereof, as follows:
BEGINNING at an iron i~ at the southeastern corner of property
conveyed to Leroy A. and Frances C. Durff by deed recorded in
CUmberland County Deed Book 23-X, Page 193, said pin also being
the southwestern corner of property conveyed to Leroy A. And
Frances C. Durff by deed recorded in Cumberland County Deed Book
24~G, Page 9; thence from said beginning point by the southern
line of said last mentioned property North 89 degrees 53 minutes
East 346.20 feet to a stake; thence by property of Reginald
Crusey South 25 degrees 40 minutes East 253.00 feet to a stake;
then.ce by property of Irvin W. Bowers, Jr., South 62 degrees 55
minutes 50 seconds West 213,00 feet to a stake; thence by
property about to be conveyed to Samuel A. Gardner and Catherine
Gardner, his wife, North 39 degrees 22 minutes 30 seconds West
419.47 feet to an iron pin, the Place of Beginning. Containing
1.909 Acres. .
TOGETHER with a right of way 12 feet wide extending from the
premises herein conveyed in a northwestwardly direction to the
road leading from Big Pond to Township Road No, 3222, as the same
presently exists, at all times and forever.
BEING the same premises which Scott E. Hoover and Cheryl S.
Koontz, Single Persons, granted and conveyed to Scott E. Hoover,
Single Person, Borrower herein.
._;t..!. of ,enneylvlnla 1 55
~'fjuntY of CU~~ for ,he recording of 0'"
\~Orded~~~'\tb41rllnd coUrtft./tft;
.~. ,i~J ooll5'o Vol. ",,::=Plge
,,'~ e alof office
, . '.nw" my hl.nd Ind \Sey of .
I ;:llIi.'I. PA \hll
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-
BOOK 501 PAGE
....."
,.-
Page 5 (cont.)
FRANKLIN COUNTY
FINANCIAL SERVICES UNLIMITED
A) 31 West Third Street
Waynesboro, PA 17268
Natalie Newcomer
(717) 762-3285
B) 550 Cleveland Avenue
Chambersburg, PA 17201
Natalie Newcomer
(717) 261-1708
Franklin, Fulton, Cumberland, Adams, Perry counties
CONSUMER CREDIT COUNSELING SERVICES OF WESTERN PA, INC.
A) 2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Adams, Cumberland, Dauphin, Perry, & York Counties only
B) 912 South George Street
York, PA 17403
(717) 846-4176
York, Adams, Franklin & Lancaster counties
YWCA OF CARLISLE
301 G, Street
Carlisle, PA 17013
(717) 243-3818 FAX # (717) 243-3948
Pamela Line
Cumberland, Franklin and Perry counties
AMERICAN RED CROSS - HANOVER CHAPTER
529 Carlisle Street
Hanover, PA 17331
(717) 391-1956
Adams, Franklin & York counties
Page 6 (cont.)
"Your mortgage Is in serious default" because you have failed to pay promptly
installments of principal and interest, as required, for a period of at least sixty (60) days.
The interest per diem Is $13.473. The total amount of the delinqency is $3,369,60.
That sum includes the following:
Principal -
Interest -
Legal fees -
Escrow -
Late Charges -
TOTAL
$ 146,12
$2,049.13
$ 805,50
$ 259,10
$ 109,75
$3,369.60
If you have tried and are unable to resolve this problem at or after your face-ta-face
meeting, you have the right to apply for financial assistance from the Homeowners'
Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Assistance Application with one of the
designated consumer credit counseling agencies listed above. An application for
assistance may only be obtained from a consumer credit counseling agency, The
consumer credit counseling agency will assist you in filling out your application and will
submit your completed application to the Pennsylvania Housing Financing Agency,
Your application must be filed or postmarked within thirty (30) days of your face-to-face
meeting.
It is extremely important that you file your application promptly. If you do not do so,
or if you do not follow the other time periods set forth in this letter, foreclosure may
proceed against your home immediately.
Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every
respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a
decision after it receives your application. During that additional time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front Street,
P.O. Box 8029, Harrisburg, PA 17105. Telephone No. (717) 780-3800 or 1-800-342-
2397 (toll free number). Persons with impaired hearing can call 1-800-342,2397.
Page 2' (cont.)
If you do not cure the default within THIRTY (30) DAYS the lender Intends to
exercise Its ri9ht to accelerate the mortgage oayments, subject to any additional rights
you may have under the Homeowners' Emergency Mortgage Assistance Program, This
means that wha~ever 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 In default is not made within THIRTY (30) DAYS,
then, subject to any additional rights you may have under the Homeowner's Emergency
Mortgage Assistance Program, the Lender may also instruct its attornevs to start a
lawsuit to foreclose your mortgaged property. If the mort9age is foreclosed, your mort-
QaQed property will be sold by the Sheriff to payoff the mortgage debt.
You will have the right to assert in eny foreclosure proceeding the non-existence
of a default or any other defense that you may have to acceleration or foreclosure. If
the Lender refers your case to its attorneys, but you cure the default before they begin
legal proceedings, you will still have to pay the reasonable attorney's fees, actually
incurred, up to 550.00, in order to cure the default. However, if legal proceedings are
started, in order to cure the default you will have to pay the reasonable attorney's fees,
actually Incurred, even if they are over 550.00, and you may also be required to pay the
Lender's reasonable costs, If you cure the default within the thirty-day period. you will
not be required to pay attorney's fees.
If you have not cured the default within the thirty-day period and foreclosure
proceedings have begun, you still have tile right to cure the default and prevent the sale
at any time up to one hour before the Sheriffs foreclosure sale, You may do so by
paying the total amount of overdue payments olus any late or other charQes then due,
as well as the reasonable attorneys' fees and ~connected withJhe foreclosure sale.
and performing any other requirements under the mortgage, It is estimated that the
earliest date that such a Sheriffs sale could be held would be approximately
October, 1997. A notice of the date of the Sheriffs sale will be sent to you before the
sale. Of course, the amount needed to cure the default will increase the longer you
wait. You may find out at any time exactly what the required payment will be by calling
the Lender at the following number: (717) 261-3641. This payment must be in cash,
cashier's check, certified check or money order and must be made payable to the
Lender at the Lender's address stated above.
You should realize that a Sheriffs 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
Sheriffs sale, a lawsuit could be started to evict you.
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3, On or about October 12, 1997, Plaintiff received Notice
from the Cumberland County Sheriff's Office indicating that several
attempts were made to serve Defendant, Scott E, Hoover, with a copy
of the Complaint at his last known address being 30 Foreman Mill
Road, Shippensburg, Pennsylvania 17257, but that there was no
answer. A true and correct copy of the Sheriff's Return is marked
Exhibit "B", attached hereto and made a part hereof.
4. An Affidavit of the Plaintiff stating the nature and
extent of the investigation which has been made to determine the
whereabouts of Defendant and the reasons why service of the
Complaint in Mortgage Foreclosure cannot be made, is marked Exhibit
"C", attached hereto and mi'lde a part hereof.
WHEREFORE,
Plaintiff respectfully requests that this
Honorable Court direct the Sheriff of Cumberland County to serve
Defendant, Scott E. Hoover, with the Complaint by posting a copy of
the Complaint on the property at 30 Foreman Mill Road,
Shippensburg, Pennsylvania 17257 and permit the Plaintiff to serve
Oefendant, Scott E, Hoover, by mailing a true and correct copy of
the Complaint by certified mail, return receipt requested and by
first class mail, postage pre-paid to 30 Foreman Mill Road,
Shippensburg, Pennsylvania 17257, Service of the Complaint shall
be deemed complete and valid upon pos.ting by the Sheriff and
mailing by the Plaintiff,
BY:
GRENEN ~ BIRSIC, P.C.
~/0~r
Dimiel J,.... clsic, Esquire
Attorneys for Plaintiff
One Gateway Center-Nine West
Pittsburgh, PA 15222
(412)' 281-7650
c, Examinations were made of the Shippensburg Area
Telephone Directory; however, said examinations failed
to yield any useful information regarding the
whereabouts of Defendant.
d. ,Examinations were made of the Cumberland County Voter
~egistration Records; however, said examination failed
to yield any useful information regarding the
whereabouts of Defendant,
e. Plaintiff conducted a computer search to determine the
exact whereabouts of Defendant, Scott E. Hoover; said
search confirmed Defendants address as 30 Foreman Mill
Road, Shippensburg, Pennsylvania 17257,
Finally, affiant deposes and says that after the foregoing
investigation, the exact whereabouts of Defendant, Scott E. Hoover,
are believed to be 30 Foreman Mill Road, Shippensburg, Pennsylvania
17257.
BY:
GRENEN & BIRSIC, P.C.
L /~ -~
Daniel J.~sic, Esquire
Attorneys for Plaintiff
One Gateway Center-Nine West
Pittsburgh, PA 15222
(412) 281-7650
yu_.
Sworn to and subscribed before
m. 'hi. .7 -,.,I"..y o'r-O . "'..
.~ _C~ t-?J~~
Notar(p~blic
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".qu..' 'or ClllnO' 0' Addre.. 01 1"lIl1old.r
lnlonnlUon N..d.d 10' Sa~lc. of ~'all Proce..
Please fuml$ll 111. nC't'l .ddress Ot Ih. n.m. Ind sIt..1 .ddrtss (If I ~Id." tOlll\. lonowlng:
Name: Sf (; t/ (: / 1:,'0r~
Address: -)(, /. '/1~ Iii! ,) " )';/1.......___1 .~;/( (.(
NOTl: TNI name .r>d Int known ~MtA" or. "'llllrod lor (~.~a ollddrtulnlormlllOt\. Th. na",., " ki1own, a1'\4
post otf1cA bOx addrm Ire IOquilOd 101 bo)holdtr Inlormltion,
1M to'owIng WOf11\IUon 'I pro~ldtd In loco~anet willi U e'R 2$U(d)(8)(lI), There It no I.. rot pt'Ovlll1ne
~ InfOrmallO/l. TIll I.. foI providing cNlIGlI d .Mr~~' In'Clm\lItIoIIlI WI....... ill I<<otdano:. W1U118 ell"
2tl,t(d)(1) and (2) end comapondlng AdtrinUtIll/v. Suppoll Mlnuel >>H41 and It,
1. Capldy of '6qUO$1.r (..g., proem sa,...ro(,~omi). PAltl rtp"Mr(Jng
0..____. "-- ,/
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2. "et~. Of ~ 111M &Il\pIl'MIl'JI mil In """'. prorAU \001 required 'IwM^ requetttf Ie In .It_~ Of a p.rty
ec6'le pm .. . .xoel1 I (OI1lOlItlon IdJng JII'O .. mutt cA. .
...,..):..... .
S. TlIe "IIMI of eft known 1l1"les to the I"~"IM' /" / ) I ~ ') 1'1601;(/
4. TII. ~ In wNc:ll1t4 Clse has been orwilllt hlla~:_ /JJ/x./nht d't2--J
,
So TIlt dOdtel 01 othtr Idlnllf)'lng number If 11/111""" ""An t,..INt' 1'/ - tif IY
~~padly In whlclllI\lllncSI'tldulllllO be ..,..ed (tg~~
WAIlHING
n..IUlaatIlC;M 01 ,~. M'OIlMATlOlt '0 OIfAll AICl VI" CtWIOI 01 HXlIIUlINfOltWoTlON 011 to>>'O' ct- H'~~
'Ol' NtY IIUUOtI ono nwl Tlll ..~ 0I1.1GAl. ,!lOCIal. COIMC;1IOM WITM..clUM. 011 'R~ utlCATIOIl
~ Msu. TIM Clll.~ 'WU1"I~UOfoO A PM 01 " TO "0.000 011 U'lII$OMllM1 011 0) TO 1.'1'01O 'AMHT Of
'ft."'''~ CHAIIQI 01 ADO.'" H'eRNA l10H 01 NOT MOlII nwl 5 'ftW, 01\ tolM (Tma " U", C. kc;'IlOIl tOO1).
, .... tlIIl h tbovt k1lorm"JlIIt 1M IIld IIat tilt lI\ldIIIIlnfon'nlOon .I\lltdtcl and wi " lIMd ad. .
..... ., In QOftnt<l1on wftIIlclUII or proIllto:Gvl qIIIOI\
I' Ii' dJzt ~ =:'~~I::~
'!!.i f h <~ jf 0- r' ((;6d" " ~, P1111IUKII, PA 15m
" c~ S1tt. lIfl Code
- ,- ,~~tTomcIU"OIA.Y
..- No Cf\II\Q4 oI.6drtSS 0CISe1 011 tilt. NtN AllOR'" "
IO~ POSn.wU<
_NotllnClWlltllddrtll Q1vM. NAAte and ,,",EEl AOOlU..
_ Mowd. ltIf\ no ~,",no address, -
_ No 1UdI1dcha. .
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Dill I~ -),~ 'I ')
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Requ..t ror ChlnOI or Addreu or lo.holder
Inlonnltlon Nudeet lor SIr;lcI of \.Igll P",C'"
PlUM furnish lhe new l~dnl$S 01 the naml and sl/eel ad4rns ora boxholdl" !of \I'll ronowlng:
Name: ')/ Ii / /' {' ,,'( r ..
Add',st__ - (---.!.~-'-.:-- i I . ..-1~...~ I
NOTE: Tt1e name .nd IlSl known M\(ll~'~ .11 'f'l"'n>d '0' en.no' or ,dd'"' In'ormlllon. Thl n.ml. " lJIQwn, .n<!
posl otnce b<1x .ddrcn lIe required 'oll>c~holder Inlormallo~,
1'he fo'owInG Won;n.uon II provided In ICXOrdln<< with U CFA 2eU(d)(e)(ll), There II no In 'ot ptOvlillne
bolCholdtr Inronnl\lOll, TIll r..lot lIrovtdtng dI'l\Qll ,." AM'ft~' Intof1l\lllon" Wlllled In accord.nct witIl ,. ell"
HU(d)(1) and (2) and COflUpondlng Ad"..nl$\lltIv, Suppolt Manual 152,441 end b,
1. Capacity of reques1lr (I.g.. proeen s''''tr.c~m;~, pilty I1preser&g
hImMlf):--
2. Statute or regul8llon tMt Imp.'1Wfl~ 11111 In "",,, p<or..- (not "'lulnd ...lItft rtquesl., " tn .ttomey Ot I pll1y
edlnO pro .. . txat~ I corporlllun ,ctJng pro .. mull cltl .
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" The name. of an known 11ll1las 10 thl '"iOAlIM' / ,/) I " 1,~'('~ ': ,-
4. TII. court rn YINc/I \l'le case has been or VIiI bt he.rd: ()')X )Ji; /1 A..i/: (:;)
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WAMING
tHllUlUllStCH 0# ,~. 1Hf0llMA lION TO OITAIl _NO Vtl CtWlOI Of PQOllUIlHfOllWiT1ON OIl. IOlfHOUlUIINI'0Aw.1IOIl
,ottN<< ~ OM" TlWI TIll "~""Cl 0# LJ~L "lOCI"" COIICCllOH WITM -'ClWiL OA '''OV<<TM U1lCATION
CCMAD MSUI. T II C:~ PWLfIU l'fCl.UOtt.O A f1NI 0# "" TO ,to,ooo 011 U'IlIlONioClCT OIl. (2) TO AIIOICl 'AlWHT Of
THI,.. P<lA ~ 01 ADO"'" UCIlNA TlOH or HOT foIOlIl nwI S 'ttUU. 01110'" (TmJ II v...e. tcCl1Oll1001l.
I 0IltifJ .. ..... lbovt lnfonndon II tNe atd "''' the Iddrua InfonNtlJoclll IIItclecl Ind willi UMCllOltlv kw
...w. .. ~ In COOneQlon wllIIlCtull Of ptOSPIQIYI .~1IIOft.
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