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Home My WebLink About97-06499 ~ )' . ~ ~ ~ ~ ~ l (j - .~ ~ u 1 C .~ u: \ " ~~/ /" ~ ~ ':' . .~ ~ ~ I;)- '>- -..) . to- O- . ~ 8 00 a- - A CT - 3 '~ - J . It) Jj :r ('t ~~. r- ~ lJO <. 0 y; '- ,- -a (& rO rr; (. r:.. f; :J l.l !J , ~ ~ I I ~ . , 8 11 ~ :.; it I. '_ ~ C_. <L (,.. , j 3 "7)( .~.J .; 0- f: r.,: I L!il , ( , '1 :if) LL. I. - " r.-:- - , C) c" e) C.) IN WE CIrJRT OF a:MOI PlEAS OF aMlERLAI'D cnJNl'Y, PE7ftiYLVANIA CIVIL DIVISIOO FINANCIAL TRUST COMPANY Plaintiff 1997-6499 File l'b. v. Airount Due 19.578.92 5 09 per diem from June 5. 19~1 Interest . ta prBHBRt Atty's Comm 5 % Costs to be added R08ERT J. JONES. and JANE M. KELLY-JONES, Defendants TO THE PRCm-lOoorARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail insta1lrrent sale, contract, or account based on a confession of judgrent, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as arrended; and for real property pursuant to Act 6 of 1974 as arrended. PJWX:IPE FOR EXEX:l11'100 Issue writ of execution in the above rratter to the Sheriff of Cumbsr1and County, for debt, interest and costs upon the following described property of the defendant(s) 30 Wagner Drive, Middlesex Township, Carlisle. PA . " PJWX:IPE FOR A'ITJ\OfoIENl' EXEOJrIOO Issue writ of attachment to the Sheriff of County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said gamishee( s). (Indicate) Index this writ against the gamishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. DATE: ~ --It - 9 t Signature: (j)J/JiI-)~~ Print Name: William A. Duncan Address: 1 T,."inp Rnt.1 Carlisle, PA 17013 Attorney for: Plaintiff Telephone: 717-249-7780 Supreme Court ID l'b.: 22080 it' r t ~ .:b ~ i i i t i .J J ,- -a. -a. 7L "8. .J (': ,", '8. -a.. ]. ~". - B .. 8 8 0 0 0 lH ,. ~.l 0 G? (,. ,. () 0 0 Ul p~~ - .- - 0 III u:. L' . . , ' ~ . i l() 0' <1) 00 ci l{) r<J - r:.-' '-.:) ,,, :._, "ll :r 0 _.1 I c.:: (:; ~;" Iff .- .... ii,.j ~ ,J...;. ~ " ~ L' rn :-5 0\ c> .~ U - I/) -:t l>> r1 o .3 (b ~ b :3 ~ '" ~ ~ \',) ;.', .. II FINANCIAL TRUST COMPANY, Pllintiff : IN THE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : CIVIL ACTION - LAW ROBERT J. JONES lad JANE M. KELLY-JONES, Defeadlau : IN MORTGAGE FORECLOSURE : CIVIL TERM 1997 - u ~o,o, To: JANEM, KELLY.JONES Dale of No lice: :J, ~ rt . JI i IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE AcrION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS (10), FROM THE DATE OF THIS NOTICE, A JUDGEMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 CAN & 0 0, P,C, WILLIAM A, DUNCAN, ESQUIRE 1 IRVINE ROW CARLISLE, PA 17013 ID# 22080 .. :', . . ;-.. ,') r-;' -' , , ~_-: .. ~ t :1 ~ , , , ( " i . 1 .' . , C:} , , .....:;.l 1::"'1 1 I .! , t , ,...1 \ c.: , u L:: . . I ~L i~ 1 , I~ ~::j (J <:1' .;,) FINANCIAL TRUST COMPANY, P1alntilT : IN TilE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY'FlLE COpy : PENNSYLVANIA . . v. : CIVIL ACTION . LAW ROBERT J. JONES and JANE M. KELLY.JONES, Defendanu : IN MORTGAGE FORECLOSURE 1: ~ : CIVIL TERM 1997 - {,C/99 To ROBERT 1. JONES Dale of NOlice: /-/2- '7 &'" , IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS (10), FROM THE DATE OF THIS NOTICE, A JUDGEMENT MAYBE ENTERED AGAINST YOU WITHOUT A IIEARlNG AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RlGIITS. YOU SIIOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE ....OU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 , P,C, WILLIAM A, DUNCAN, ESQUIRE IIR VINE ROW CARLISLE, PA 17013 10# 22080 t ~ -, .,.. <'J >- ,,. ..:' >-- ,. .. (..... .. Il I. ~ " (-,~,~ -. , , I'" u. Ci j , " r;~ ' '.:' " ~~. I .. . (:: ~ t ' J I', . -. j" , "- " Cc: :::1 C' CP U ~lrE COb .'INANCIAL TRUST COMPANY, Plaintiff IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW ROBERT J. JONES and JANE M. KELLY-JONES, Defendantl IN MORTGAGE FORECLOSURE CIVIL TERM 1997 - u,,\qq, , FINANCIAL TRUST COMPANY, IN TilE COURT OF COMMON PLEAS AFFIDA VIT PURSUANT TO RULE 3129 WILLIAM A. DUNCAN, Attorney for Plaintifl'in the above action, sets forth as of the date of the Praecipe for the Writ of Executiun was filed the following information concerning the real property located at 30 Wagner Drive, Carlisle, Middlesex Township Cumberland County, Pennsylvania: 1. Name and address of owners or reputed owners: Robert 1. Jones Jane M. Kelly-Jones 30 Wagner Drive Carlisle, PA 17013 2, Name and address of Defendants in the judgment: Robert 1. Jones Jane M. Kelly-Jones 30 Wagner Drive Carlisle, PA 17013 3, Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4. Name and address of the last recorded holder of every mortgage of record: Financial Trust Company 1415 Ritner Highway Carlisle, PA 17013 Jack Hutchison Keystone Mortgage Corp, 1415 Ritner Highway Carlisle, PA 17013 Jack Hutchison 5, Name and '1ddress of every other person who has any record interest in or record lien on the property and whose interest may be alTected by the sale: Cumberland County Tax Claims I Court House Square Carlisle, PA 17013 Nancy Sheibley, Tax Collector 3235 Spring Road Carlisle, PA 17013 6, Name and address of every other person of whom the Attorney for PlaintilThas knowledge who has any interest in the property which may be affected by the sale: NONE I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C,S, Section 4904 relating to unsworn falsification to authorities. Dated: febRllll'}'~. lQQ8 3- t~9j By: I lam A. Duncan I Irvine Row Carlisle, PA 17013 (717) 249-7780 \'1 " Ic ('. - -' l< -' .- I..f , " \" , ,'. " , '\1," , ' 1,..;.'1 '-'" :~., -.1-') \ r ;,'\-_1 ...\.. ." :'..-) o ..,., \~'J 0' FINANCIAL TRUST COMPANY, Plaintiff : IN THE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. CIVIL ACTION. LAW ROBERT J. JONES and JANE M. KELLY-JONES, DereDdantl IN MORTGAGE FORECLOSURE : CIVIL TERM 1997-6499 NOTICE OF SALE OF REAL ESTATE PURSUANT TO PA.R.C,P. NO.3129(b) I, The property to be sold pursuant to the above captioned judgment is all that certain tract ofrcn1 estate situate in Middlesex Township, Cumberland County, PeMsylvania, as more fully described in Exhibit " A" attached hereto and made a part hereof. The said property is improved with a single family dwelling known and numbered as 30 Wagner Drive, Carlisle, PeMSylvania, 17013.. 2, The judgment of the Court in which the sale is being held is Civil Term No, 97-6499, in the Court of Common Pleas of Cumberland County, PeMSylvania. 3, The names of the owners of the property to be sold pursuant to the above captioned judgment are Robert 1. Jones and Jane M, Kelly-Jones, husband and wife, of30 Wagner Drive, Carlisle, PeMsylvania, 4, The time and the place of the Sheriff Sale is 10 o'clock A,M., June J, 1998 in the County Commissioner's Conference Room, Second Floor, Cumberland County Court Hou5e, Carlisle, PeMsylvania, 5, A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (30) days after the sale and distribution will be made in accordance with the Schdule unless exceptions are filed thereto within ten (10) days thereafter, By: f/UJ1U[)ax. ~ William A, Duncan I Irvine Row Carlisle. PA 17013 (717) 249-7780 j>;: _'1" (; - I, '. ~! " " " ( \, C'_~ l' .' . I .'- l,',.-- ;':1 ;.- , ( , \. , I \, " i i 1~1 1.._ ,"'-- -'- . , ,-. r'" ~:1 \ u' 0 . 41.1. THAT ClaTAIN lrICt 01 Iud a1lII"la MI4d.,...'1 TowuIIIp. CuaibaIu4 CDuMr. r-.,IVIIIII. handed ud ducriW III ~ w!lk I draA 0I1lIM11l11dil '" HacI .. B.!1IIIdI, Ilcabfcrcd SIIMJO'. c1a1Cd 0ct0Ix:t 1964, u followl: '. BIGINNING II. .... .. -'l" die ..... rlalMoftI-WlY 01 die e I'llId ~, fIaID 111II HiaIlWl' ItOlIlO No. S4 ~ u S~. Road 10 W_'. SoIlooI wIIlcII nied Ii _ bloWII u W.... Ddw II ~ 0I1Md farad, 01.... JC. W....1IId _ .. bmaI, 01 WUlIala PeIpcr; 1IIC11C1 fIaID Aid .... pill II ~ PIacil 01 Bc"'5~ IIAo 01 Aid Iud - .. fanDcrI, oIWIUWa I'IIpcr. SCllIG fJ7 doIICII "I mbnI... Ifut I 0124'.00 "* 10 ... .' InIa . II _ 0I1111d .. .. farad, rl JICqIll D. Hudcy IIId wlf. ducribcd III Deed Book' "C'."'V__ 24. ....m __ aIon.1Iae 01 laid IIIId _ .. rar-t, 01 Jacqua D. HIIIIcy' ' IIICI wile, SoudI8IS ~ 51 m1qulCl Waf. Il!!..___ oIl67.so feci SO . PDlnIIIl \IIc~.. _ 0I1ucI_.. flll1llCllj 01 RIcbanI Lea ICIIMId IIId .u. ducribCd III Deed ikiQIi'''S"; VDI\IlIIO 16..... 260, ~ u S4 W.per Drhc; lhcalco aIon",,~,,: AId 1ucI_.. = 0I1UcIwd Leo JD~ ~ 04 dcp'w ..2 mIlluICI Wesll 01 236.10 fccc 11I1 IIlib In die CCIIlCIIIDp 01 laid pub!Ic rOad IcIdIo.III W_'I ScbooI Houte _ ~ u W.per 13rlva; me- .. dIO CCIlIUllaio 0I1Ild W.per Drlvl IIIcI COIldalliD.lIuoup Iha --- IIllI1ioa 0I111d W.per Drtvt. Honk 14 dclRClll minulcI 30 leeoMf E!uI . dII_ 01153.13 teclso ulrllll pia .11ba "'_ oIBEGINNING. . .. THE ABOVK-dacrlbed II'ICI 0I111ld COIlIIIu 'JllllDdmaIl~ ICRIo -- or Ica. ucIIIIiva 0I1ba dcdIcalCd ripl-of.W'Y 01 W.per DdvO. IIId Iw crcc1ed . IWCHlllrY dwalllallloQl .lId olllet IlDprovclllClllI WIUl 1IIII1I1l11ddrcI1 o( 30 W'lner Drlve. Carlisle, Pcnnaylv.. 17013. , '" '" ~ 1 I I BEIHG. the same premises in which Richsrd Lee Kimmel, Sr., a/k/a .Richard L. Kimmel and Shirlsy Mae Kimmel, by Deed dated November 9, 1992 and Rscorded in the Office of the Recorder ad Deeds in and for Cumberland County in Deed Book "Z", Volume "35", Page 181, unto Robert J. Jones and J~ne M. Kel1y-Jonee.' FINANCIAL TRUST COMPANY, Plaintiff : IN TilE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : CIVIL ACTION . LAW ROBERT J. JONES and JANE M. KELLY.JONES, Defendants : IN MORTGAGE FORECLOSURE : CIVIL TERM 1997 - ""IW C...~ ll~ NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES. YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED. 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 IMPORT ANT TO YOU. YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPIIONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator. Fourth Floor Cumberland County Courthouse Carlisle, P A 17013 Telephone: (717) 240-6200 FINANCIAL TRUST COMPANY, PlalntilT IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA IN MORTGAGE FORECLOSURE 1997 -(,,"ItN (?,uc: ( 1&1 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. 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, Robert J Jones, an adult individual, and Defendant, Jane M, Kelly-Jones, an adult individual, are husband and wife, and reside at 30 Wagner Drive, Carlisle, Cumberland County, Pennsylvania, 3. On or about January 30, 1995, Defendants made, executed and delivered to Plamtiff a note and a real estate mortgage financing Twenty-one Thousand Eight Hundred Sixty-six and 77/100 Dollars ($21,866,77), 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 note and said real estate mortgage have not been assigned. 5. Robert J. Jones and Jane M. Kelly-Jones are the sole record owners in fee simple \ of said premises subject to said mortgage, by virtue of a Deed dated November 9, 1992 and v. CIVIL ACTION - LAW ROBERT J. JONES and JANE M. KELLY-JONES, Defendants CIVIL TERM COMPLAINT 181, more specifically set forth in Exhibit "C", attached hereto and made a part hereof by i I i ~ . I' recorded in the Cumberland County Recorder's Office in Deed Book "Z", Volume 35. Page 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 June 1997. July 1997. August 1997, September 1997, October 1997 and November 1997. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated August 18, 1997, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference, 8. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated August 18, 1997. a copy of which is marked Exhibits "F" and "0", and attached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of Nineteen Thousand Five Hundred Seventy-eight and 92/100 ($19,578.92) Dollars, with interest thereon at the rate of 9.75 % per annum computed from June 5, 1997, life insurance rebate and attorney's fees in the amount of Nine Hundred Thirty Eight and 21/100 Dollars ($938,21) are now due and payable, 10. The Defendant~ are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $ 19,602.64 B, Insurance Rebate - 961.93 C. Attorney's Collection fee: 938,21 TOTAL $19,578,92 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 Nineteen Thousand Five Hundred Seventy-eight and 92/100 ($19,578.92) Dollars together with interest thereon, costs and all other amounts advanced by Plaintiff. ~/f?t2A.- I iam A. Duncan, Esquire Attorney for Plaintiff I Irvine Row Carlisle, PA 17013 (717) 249-7780 \:~ ) VERIFICATION l,lohn H. Bowers, hereby verilY that I am a Sr. Vice President of Financial Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~ ~ lohn H. Bowers Sr. Vice President Financial Trust Company ~ I I , I .. . ,. , . . '.. " ." , . . . , PROMISSORY NOTE Maturity 02-10-2005 R.,....ne.. In lhe ,hided ar.. '1. 101' llnd.,', us. onl Loan No Account InlUal1 Borrower: Robert J, Jon.. Jan. M. K.IIy-Jon.1 :lO WIllIIor D,lv. CIIIIIlI, PA 17013 Lender: Fllm"" Trull Comptlly Mlln OnlCI On. W.1Il H1g/l Slr..1 CIIlIsll, PA 11013 Principal Amount: $21,866.n Intereat Rate: 9.750% Dale 01 Note: January 30, 1995 PROMise TO PAY, I proml.. to p,y 10 Fllmlrl Trull Company (''LInd''"), or o'dor, In lowlul monlY 01 Ihl U"lIld Sial.. or Aml"ca, thl p"nclplll amounl 01 TWlnly Onl Thouoand EIg/lt Hundred Slxly Six" nl100 DoII.rl (Ul,"',77), tOllllhlr wllh Inl"..1 .1 the ral. 01 '.7110-' per Innum on the unpaid principal blllncl Irom Flbruary 3, 1115, unlll paid In lull, PAYMENT, I Will pey thll loan In 120 Plym.nll 01 UII,.I .ach paymlnl, My IIrlt Plym.nt I. due Milch 10, 1115, end III IUboequ.nl peym.nll II' dUI on th. lam. dlY 01 .ach monlh IlIor thll, My IInll peymlnl will be due on F.bruI~ 10, 2005, and will be lor III principII end Illaccruld Int","1 not Y'I paid, Peymlnll Includ. principal Ind Inl"..I, I will pay LInd... II LInd", s add/lss shown abolll or II such 0111<< ploce IS LIndO< may dlslgnlll In WIlling. Unless olherwlSe agrl6d 01 requl/ld by Ippllcable law, paymlnls will be epplled IItsllo accrued unpaid Inleresl, Ihln 10 princlpal, and any remelnlng amounllo Iny unpaid collacllon cosls Ind loll charges. PREPAYMENT. I may pay wllhoul penally all 01 I porllon 01 Ihe emounl ow.d llriler Ihan Ills due. Eariy paymanls wW nol, unlesa agrlld 10 by Lander In WIlling, retlave ma 01 my obllgellon 10 conllnua 10 make paymenls under Ihe paymenl schedule. Aalher, Ihey will reduce lha prlnclplI balonca due and may ,"sullln me making tewer plymenls. DEFAUlT. I will be In delaullll any 01 Ihe lollowlng happens: (I) I lall 10 meke eny paymenl when due. (b) I breek any proml$a I have made 10 Lend." or I faU 10 p8f1orm prompUy Illhe Urn. and strlcUy In the manner provided in Ihls Nole or any agree.nenl relaled 10 lhis Not.. or In Iny other agreement or loan I have with lender, Ce) Ar.y representation or slaloment made or furnished to Lender by me 01 on my behalf is 'alse or mtsleadlnv1n Iny malerlel respecl. (d) I die or become Insolvenl, I receiver Is eppolnled 101 eny pa" 01 my properly, I make en asslgnmenl lor lhe benenl ot credllOf1. Of any proceeding Is commenced either by me or against me under Iny bankruptcy or Insotvency laws. Howuver. my dealh wiD nol be In Iv.nl of deleullll IS a resull ollhl deelh Ihe Indebledness Is luIIy covered by credlllllelnsurence. (e) Any credllOl ~ies 10 Ieke eny of my properly on or In which LIndO< has a lien 01 securlly Inleresl. This Includes I garnlshmenl 01 eny of my Iccounls wllh Lendet. (I) Any of Ihe elllnls described In Ihls dellullsecllon occurs wllh respacllo eny guarenlor ollhls Nole. (g) Lender In good tallh deems Ilsetl Insecure. LENDER'S RIGHTS, Upon delaull, Lender may, aller gMng such nollclS as required by appllcebll low, declere Ihe anliro unpeld principII balencl on Ihls Nole and all accrued unpeld Inleresllmmedlale'y due, and lhan I will pey Ihal amounl, Lender may hire 01 pay somaons elso 10 help col1ecllhls Nolelf I do nol pey. I also will pay Lender Ihelemounl. This Includes, subJecllo Iny IImlls under eppllcablelaw, Lenders IlIornsys' I... and L~nder's legal expenses whalher or nollhere Is I lewsull, Including ellornsys'tees and legal expen..s fOl bankruplcy proceedings (Including ellor1i 10 modify or vaeale any eulomallc sley or InJuncllon), eppee's, end any anllclpaled posl-Judgmenl collecllon services. II nol prohlblled by applicable Iew, I also will pay Iny court cosls, In Iddlllon 10 III olher sums provided by Iew. II Judgmenlls enlered In connecllon wllh Ihls Nole, Inler..1 will conllnue 10lccrUI on Ihls Nole aller judgmenlellhe exlsllng Inleresl rele provided 101 In this Nole. Thla Nole ha. be.n delivered 10 Lender end eccepl.d by Lender In the Commonweellh 01 P.nnlylvlnle, "ther. I. a law.ull, I ag'ee upon Lender'. r.quIII 10 IUbmll 10 Ih. lurladlcUol\ 01 th. COUrtl 01 Cumbe,lend Counly, lh. Commonw.ellh 01 Pennsylvenl.. Thll Nole shell be governed by and conslrued In acco,denc. wllh the Iawa 01 the Commonwealth 01 P.nnsylvenla. RIGHT OF SETOFF, I granllo Lender a conlrecluel possessory securlly Inlereslln, end hereby esslgn, convey, deliver, pledge, and ~ansler 10 Lender all my righi, IIlle and Inlereslln end 10, my accounls wllh Lender (whelher checking, savings, or some olher accounl), Including wllhout Hmllallon all accounts held Jointly with someone els8 and all accounts I may open In the fulu,s, excluding however all IRA, Koogh, Bnd trust accounts. I lulhonz8 Lender, 10 Ihe extenl permllled by eppllcablelew, 10 charge or selollell sums owing on Ihis Nole egelnsl sny and ell such occounls. COLlATERAl., This Nole Is secured by e Mongage deled Jenuary 30, 1995, 10 L.nder on reel properiy loce'ed In Cumbe/lend County, Commonweallh o' Pennsytvanla, 811 the I~rms and condlllons d. which Ire hereby Incorporated and made a part of this Nole. GENERAl. PROVISIONS, Lender mey deley or torgo enforcing any ollis rlghls or remedies under Ihls Nole wllhoulloslng lhem. I and sny olher person who signs, guarlntees or endorses this Nole, to the extenl allowed b.,. law, waive presenlment, demand 'or paymenl, prolesl and nollce 01 dishonor. Upon Iny change In the terms o. Ihls Nole, and unJeu otherwise expressly slalad In wrillng, no party who signs Ihis Nole. whether as makar, guarantor. accommodallon maker or andOlser, shall be released from liability. All such parties agree Ihatlender may renow or ex1end (repealedly and for Iny Ienglh o' lima) Ihis loan, Of release any party 0( guaranlor Of collaleral; Of Impair, 'all 10 realize upon at pOlfeel Lender's HCUflty Inlerest In lhe collaleral. All such partles also agree Ihal Lender may modify this loan wllhoullhe consent 0' or nollee 10 anyone other than the party with whom lhe modlflcallon Is made. The obllgallons under Ihls Nole are joint and several. This means lhallhe words '-, -me-, and -mY" mean each and IU oIlhe persons signing below. PRIOR TO SIGNING THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD All THE PROVISIONS OF THIS NOTE. I, AND EACH OF US, AGREE TO THE TERM!l OF THE NOTE AND ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THE NOTE, BORROWER: ISEAI.) X ~__..r ." .~ ne M. Kelly-Jon.. ... - ]0...""---' 1$Ul.1 ~ ~, l.ASEAPRO, A.;. U.S, Pal.' r.M. Oil., V.t. J litC) lii5CFI Pro!;;.n,lc:u, Inc:. Allflghl.r,.ltvld IPA-D20JOHEiAJlHR.11.0VlI '.~..' :':..IDCHIIIn'.;;';,. ..~... ,'3...... _-.~!,-" . .>< .:c.,' ,.-. -,:-__." --~"".'-".- ,'... ,..,,'-.' ........ ...",-.-,.7.... .-.___-.'_. '.___'_". ...:_, .'. . '_, ,_..__ _. .J " ",'" --', '. .-...., .,-" .'. ...-,-.oc....z",-,_' . . - , ~~~ RECORDATION REQUESTED BY: Fermerl T,uat Company One Will H1g/l Slrut Cerllsla, PA 11013 nC~CI\T r. ~:CCLER RECORDER Of DEEDS CUI.tll!:r\LAII:) COUNTY - PA WHEN RECORDED MAIL TO: Ferma.. T,ulll Company One W.al H1g/l SI"al Carlisi., PA 11013 :95 fEB 1U ArJ 9 27 SEND TAX NOTICES TO: ROberl J. Jon.. tnd Jan. M. K.IIy-Jon.1 30 Wagner Drlva CIIlIslI, PA 17013 SPACI! ABOVI! THIS L1NI! IS FOR RECORDI!R'S USI! 0... Y MORTGAGE THIS MORTGAGE IS DATED JANUARY 30, 1995, between Robert J. Jonel and Jane M. Kelly-Jonea, owner(.) In lee Ilmple, whoae addreaa II 30 Wagner Drive, Carlllle, PA 17013 (relerred to below as "Grantor"); end Farmer. Trust Company, whose addreaa Is One West High Street, Carlisle, PA 17013 (relerred to below as "Lender"). GRANT OF MORTGAGE, For vslu.bl. consldareUon, Granlor granl., bargelna, till.. conv.y., llolgna, lr.n.'.", "I....., oonllrm. and mortgallla 10 LlMer all 01 Grlnlor's righi, hll., Ind Inl.r.slln and 10 Ih. following described r.al proparly, log.lh.r wllh all ..dsllng or subsaquanlly erecl.d Of afftxed bUilcftngt, Improvements and fixluresi all slreels, lanes, alleys, plSsages, and ways; 1M easements. rtohls of way, a" Uberties, prM.-, "nemenltl herldUaments, and appurtenances lhereunlo belonging or anywise made IppurlBOInl heresfl." and lhl reversIons and remalndarl wtlh respocllll<<alo; I. walt", wal.r righls, w.l.rco""", Ind dllch rlghls (Including Ilock In ulihlies wUh d,lch OIlrrigallon righls); and aU 0111<< righls, royallles, Ind pronls retallng 10 lha real proparly,lncludlng wllhoul UmU.llon aU mln.rals, 011, gas, g.olherm.1 and s1mil.r mailers, located In Cumberland County, Commonwealth 01 Pennsylvania (the "Real Property"); Deed Book 35-2 Page 181 Township: Middlesex The Real Property or Ita addre.. la commonly known.. 30 Wagner Drive, Carllale, PA 17013. Grenlor pr.sanlly ..signa 10 L.nder all 01 Granlor's righi, 1111., and Inl.r.sl In and 10 all Ie.s.. 01 Ih. Properly and .11 R.nls Irom lha Properly. In Iddlllon, GianiOf' grJonlt 10 Linder I UnirOlm Commercial Code security Inlereslln the Personal Property and Renls. DEFINITIONS. Tha 10000wlng words shall hav. Ih. following maanlngs wh.n us.d In Ihls Mortgag.. T.rms not olh.rwise d.nned In Ihis MOIlgag. ahall haYllhe meanings Illtlbuled to such lermo In the Uniform Commerclal ';ode. An references to doUar amounls shall mean amounts In lawful money of Iha Unllad Slates 01 America. exlsllng Ind.bl.dn..., Th. words "E'lsllng Ind.bl.dn.ss' moan Ih. Ind.bl.dn.ss descrlbod b.low In the ExlsUng Indobl.dn.ss s.cIIon 0' this Morigaga. Grenlor, Tha WOld "Granlor" mean, Rob.rt J, Jon.. and Jan. M, Kelly-Jone.. Th. Granlor Is th. mOllglgor undor Ihls Morlgag., Guaranlor. The word '"Guaranior"' means and Includes without Umllalion 88ch and all of the guaranlors. sureties, and accommodaUon parties In connecllon wllh lha Indebl.dness. Improvement.. The word 'mprovemenls- means and Includes without Ilmllallon all Ixlsllng and future Improve monts, rtxtures. bu!ldJngl, Ilruclures, mobiMI homes affixed on the Real Property, 'acllitles, additions. replacements and olher conslrucUon on Iho Real Property. Indebledna... The word 'nd.bledness. means all prlnclpal and inler,,!1 pavable under the Nole and any amounls expended or advanced by Lander 10 discharge obllgalJons at Grantor or expenaes Incurred by Lender 10 enlOlC8 Db/Ioatlons of GranlOl under this Mortgage, logether will' Interesl on such amounts II provided In lhls Morlgage. Lender. Tho WOld "l.nd.... means Farmers Trusl Company,lIs successors and assigns. The lender Is the mortgagoo undof this Mortgage. Mor1gege. The word ~ortglg.. means Ihls MOItg8ge belween G,antor and londlf', and Includes wilhoullimitalion all assignments and secunly Internl provls.lons relating to Ihe Personal Property and Renls. Nol.. Tha word "Nol.' means lha promissory nol. or cr.d,1 .g/a.m.nl dll.d J.nlJ.lry 30, 1995, In the original principal amounl 01 $21,866,n from Grantor 10 linder, together with all renewals of, ..htnslons of, modif\eaUons of, reflnaoclngti of, consolidallons of. and IUbsllluhuns lot the promissory nole or agreement. Person" Property. The words -Personal Property- mean all equJpment, fi.tures, and other articles of porsonal propOfty now or herealter owned by Gralllor, and now or hlrelner allached 01 affixed to lhe Real Property; logelher with all accessions. paris, and additions 10, all replacements or, and aD subslilutlons for, any 01 such properly: and logether wilh all proceeds (Including wllhout limitation all insurance proceeds and Isfunds 0' premiums) lrum any SAle or other disposllion of the Propelty. Property. The wurd -Property" means collectivel)' the Rea: Proport)' and Ihe P8I50nal Property. Real Property. The words "Real Propelty" mean the property,lnlef8sls and fig his described above In Ihe "Grant Rllaled Documenls. The words "Relaled Documents. mean and include without liml aQfeements, ,n",ronmental agreemenls, guaranbes, security agroements, mor1gages, des documenls, whelher now or hereafter existing, executed In connection wilh the tndeblednes Renl.. The word "Renls. means all present and fulure rents, revenues, Income. Issues, P'oper",. 0" section. I agreements, loan nls, agreements and fils derived from the UiJO~ 1251 P.:r:[ 312 II" MORTGAGE (Continued) Page 2 THIS MORTGAGE, INClUOING THE ASSIGNMENT OF RENTS AND Till! SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY,IS GIVEN TO SECIJRE (I) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBliGATIONS OF GRANTOR UNDER THIS MORTGAGl! AND THE RELATEO DOCUMENTS. THIS MORTGAGe IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE, Excoplos olharwtsa provided In IhJs Morlgaga, Granlor shall pay 10 Londer alllmounls secured by Ihls Morlgage IIthev become due. Ind lhall silkily peffOtm ad 0' O'lnIOl', 00110111001 und8f' this M0I1~.g., POSSESSION AND MAINTENANCE OF THE PROPERTY, GranlOl agr... Ihal Granlor's pos....lon ond use ollha Proporly shall b. governed by Iha lollowtng provl:olons: Po...NIon and U... UnlU In d,'.ull, Granlor may ,emaln In pon8slloo end co"lf~ 01 and operell and managu the Property and collect the Rania ~om lha Proparly, Duly 10 Melnleln, Grlnlor shill malnleln lha P'ope/ly In lonanlable condlllon ond promptly per10rm all rapalrs, roplacemenls, and me!nlensnc. _....ry 10 pr8SlfVllIIs value. Haurdou. Subalanc... The lerms ~'lIrdOUI wlsl." llazardous subslance,. -disposal: .,elaase: Bnd 'tvoatsf\8d r&klase,. .. used In lhis Morlgelll, shaH hallllhe lime meenlngs IS sel lorlh In lha Comprahenslvl Envtronmanlal Re.ponsa, Compen..t1on, and Llablllly Act 011980, os amanded, 42 U.S.C. Sacllon 9601, II ..q. ("CERCLA"), Ihe Supertund Amendmenls Ind Reoulhorlllllon Acl 01 1986, Pub. L. No. 99-499 rSARA"l, IhII Hazardous Maler10ls Tlansporlallon Acl, 49 U.S.C. s.,Uon 1801, el..q., lhe Resourcl ConSIIVallon and Recovery Acl, 49 U.S.C. SecUon 6901, al ..q., 01 olhat Ipplloable slale or Flderallaws, rulet, or regulaUons adopled pursuenl 10 any 01 Ih. loregolng. Thllerms 'hIzerdoua wasle" and 'hIzerdous subslance" shall olso Include, wllhout IImllallon, pelroleum and poUoIeum by-producls or any hcllon 111<<801 Ind Isb..los. OIanlor ropresanls and wa'ianlalo LandO< thai: (a) During lha porlod ot Granlor's ownership 01 lha Properly, III<<. has been no UY, generation, manufacfu(I. IIOtIO', llealmenl, disposal. reJeaN OIlhraal'ntd r.I.... 0' any hazardous wlsle or substance b~ any person on, undO<, or aboultha Properly, (b) Dranlor has no knowleogl ot, or rllson 10 ballev.lhallhere has been, except IS previously disclosed 10 and acknowledged by Lender In wrillng, (I) any u.., lllnorallon, manulacture, slorage, Uealmenl, dlsposel, release, or Ihreolef)ld 'olea.. 01 any hazerdous Willa 01 subslanc. by any priOl owners 01 oc.:upanls ollha Proporly 01 (U)lny Icluel OIlhreatened bllgullon 0( claims 01 Iny kind by Iny parson relaUng 10 such mailers, Ind (c) ExcepllS previously disclosed 10 and acknowiedgeo by L.nder In wrillng, (I) nellher Clranlor nor Iny tenanl, conltaclor, agent Of olher authOllzed US8f of Ihe Property ahan USI, generate, manufaclure, slor., Ilo.al, dispose of. Ot re&eaae an~ hazerdoUl wasl. or subsl&nca on, under, or Iboul tho Properly and (II) Iny such activity shall be conducled In comptience wllh aH appllcabll foderal, slale, Ind local laws, regulallona and ordlnlnees, Including wllhoul Nmllellon lhasa laws, regulallons, and ordlnences descnbad above. Granlor Iulhorlzes Linder and Its agent. 10 enter upon the Properly 10 make such Inspecllons and lests, al Gran101" expense, I' Lender ma~ deem appropriall to delermlne compllanca 01 Ih. Properly w1lh Ihls SlCllon ollha Morlgega. Any Inspoellons or lesl. made by Lender shall ba 101 Londer's purposes only ond shell nol ba cunstrued 10 creat. any rasponslbllily or llabltily on lha pert 01 Lender 10 Granlor 0( 10 any oilier person. Tha roprosanlallons Ind warrenlles conlalned herein .ra based on Granlor's due doJlgence In InVllSllgallng Ihe Properly lor hazerdous wasla. Granlor hereby (a) relea..s Ind waives any Iulure claims agalnsl Lender 100Indemnily 0( conUlbullon In Ihe evenl G'onlor becomes liable 101 cleanup or 0111<< cosls under Iny such laws, and (b) egr... 10 Indemnity end hold harmless Lender agalnsl Iny and all claims, losses, llabllilles, damages, penalties, and ..penses which Linder may directly Of Indirectly suslain or suffer resulllng from a breach of Ihls Hellon 0' Ihe Mortgage Of IS . consequence of any use, genera lion, manu'aclure, Sl0l8g8, disposal, release or Ihrealened release occunlng prior 10 arantor'. ownership OIlnl...ost In the P,operly, whalher or nollhe sarna was 01 should have been known 10 Grenlor. Tha provisions 01 Ihls secllon 01 lha Morlgago, Including lha obllgaUon 10 Indemnrty, shall survive Iho paymenl 01 Ihe Indebledne.. and Ihe sallstacllon end roeonveyencu ollha Ilen 01 Ihls Morlgege and shall not be elloeled by lender's acqulslllon 01 any Inlereslln Ihe Proporly, whelher by toreclosure or olherwi... Nulaanc., Wu.e. Granlor shall nol cause, conducl Of' permit any nuisanc. nor commll, permll, Of' suitor any s!rlpplng of 01 wasle on or 10 the Proporly or ony porllon ollha Property. Wllhoulllmlllng Ihe generality ollha 100egolng, GrenlOl will nol remove, or granllo any olher parly lha r!ghllo ,emolll, Inv Umber, mlnerels (Including 011 end gas), so", gravel or rock producls wllhoullhe prior wrlllen consenl 01 Lender. Ramoval ollmprovem.nll, Granlor shell nol demoll.h 01 remove any Improvemenls hom Ihe Reol Properiy wilhoullha prior wollen consenl 01 LIndef'. Ala condillon to the removal of anv Improvements, Lender may require GrantOf to mako arrangemonls salls'aclory 10 Lender to replac. such Improvements wllh Improvements of alleasr equal value. Lender'. Righi 10 Enler. Lender and 115 agenls and representatives may enler upon the Reat Prl)perly al all reosonabl. Urnes 10 allend 10 lender's Interesls and to Insj:.8Ctlhe Propelly for purposes 01 Granlor's compliance wllh lhe terms and condlliClns 01 Ihis Mortgag.. Compliance wllh Governmental Requlremenl.. Grantor shaU prompUy compty with all laws. Ofdlnances. and legulallons, now or hereafter In effect, of .. governmental authorities applicable to the use or occupancy or lh. Prope:ty. Grantor ma~ conlesl In good faith Iny such law, ordinanc., or reguiaUon and withhold compliance during any ploceedino.lncludh.o appropriale appeals, so long as Granlor has notified Lender In writing pltot 10 doing so and so long as, In Lender's sole opinion, lender's Inlerests In the Property ale nol }eopardized. L.nder may requlll Granlor to post adequale security or. surety bond. leasonably saUsfactory to Lendel, 10 prolect lender's Inler051. Duty 10 Proleel. Granlor agrees n.Uher '0 abandon nor leave unallanded the Property. Grantor shall do all clhOl acts, In addition 10 lhose acls HI 'or1h abov.ln Ihls section. which tram Ihe characler and use of Ihe Property are reasonably necessary 10 Plotect and preserve the Properly. DUE ON SAlE - CONSENT BY LENDER. Lend", mey, allls opllon, declarelmmadlalely due and payable all sums SlCured by Ihls Mor1gage upon IhI ule or trar\$l.r, wllhout the Lender's prior wrlllen consenl, 01 all or any parl or the Real Property, or any InlelOS' In the Real Property. A "!ale or trlns'.r. means the conveyance 0' Real Prop.rlv or any r~hl, lille or interesl lhereln; whethel legal, beneficial Of equitable; whether volunlary or Involunlary; whelher by oulrlghl sate, deed, Inslallmenl sale conlracl. land conlract, conllect tor deed, leasehold Inlor.st with a term grealer lhen Itv.. (3) vaars, leaH-opllon conltacl, or by sal., asslgnmenl, 0' trans'er of any beneficiallnlerest In or 10 any land Irust holding litle 10 the Real Proplfty, or bV any aiher' method of con.....yanc. of Aeal Property Inlerest. II any Grantor Is a corpora lion, partnership or Umlted UabiUty company, transfer also Includes any change In ownership of morelhan Iwenty-fiv. pelcenl (25%) 01 the vollng Slock, partnership Inleresls or UmJled lIabllily company Interesls, lalhe CAM rTlav be, of a,anlor. However. Ihis option shell nol be ellercised by lender It such .xercisels plohiblted by federlllaw or by P.nnsytvln1a ~;;;ES AND LIENS. The loIlowlng provl.lons rel,"ng 10 Ihe Ia.es and liens on the Properly ere a perl otlhls Morlgag~OOK t :~5 t fACE 313 P.ymenl. Grantor shall pay when due (and in ell events prior to delinquency) all tUBS, payroll laxes, spoclollaxos, assessments, waler charges and 18\\'lIr sarvice charges levied egainst or on accounl 01 the Properly. and shall pey when due aU claims '01 work done on 01 'Ot ~ rendered or mal81lal fwnished 10 the Property. Granier sheH main lain Ihe Propert)' tree 0' all liens having pliOfity avO( or equal 10 the Inlerest of Lender und8t this Mortgage, .xcept 'or Ih. lion 01 taxes and Iss8ssmenls nol due, except '01 Iha Existing Indebtedness re'orred 10 below, and exc.pt IS olherw!se provlded In the following paragraph. Fdghl To Conlest Granlor may wilhhold paymenl of any tax, assess men I, or claim In connection wilh I good 'aith dlspul. over lhe obligation 10 ply, so long IS Lender's Inler.slln the Properly Is nol jeopardIzed. If a lien arises Of is filed as a result ot nonpayment, Granlor shAd wllhln MHn (15) days aflor the lien arises or, ir a hen IS filed, wilhin htteen (15) days aller Granlor has noUce 0' Ihe filing, Secur8 the dl~harg. olIn. Usn, or if requeslod by Lendor, deposil with lender cash or a sufficient corpolale surely band or other secUrity sallslaclory to Lend... in an amounl sufflcient 10 dischalQo Ihe lien plus any cosls and allorneys' fees or other charges thai could accrue IS a result 0' 8 fOfeclosulO or s.1le und., tho Ren. In MORTGAGE (Continued) Page 3 any conlest, Gtlnlor shall dol.nd 11$111 and L.nder Ind shall IIllsly any adv.... Judgm.nl b.'oro enlorc.menllgalnsllha Properly. Grantor shaW name L.ndor I' In IddillonaJ obl~.. under any lur.ty bond lumished In the conlesl proceedIng.. evldenc. 01 peymant, Gtlnlor shall upon damlnd turnl,h 10 L.nd.r lltisfaclory .vldenc. 01 plym.nl of the laxes or assassmenls Ind shal aulhorlJl lha Ipproprlalo govommanlat olllclal 10 dollver 10 L.nd.r al Iny lime a wrlll.n slatem.nt 01 Ih. lax.. and assessm.nls agelnsl lha Properly. Nollce 01 Con.trucllon, Gt.nlor shill nollly L.ndO< allalsllllleen (IS) days b.,OIo any WOlk Is commenc.d, any aerW:8S ..alurnlshed, or ony malar1als ora supplied 10 the P'op.r1y, Ilony mochonlc's Ilen, malorlalm.n', Ilen, or olOOr lien could bl asser1ed on .ccounl 01 lha work, sarvices, or malorlal' Ind lha cosl .xceeds 16,000.00. Granlor will upon r.quesl 01 L.nder furnish 10 L.nder advanc. as'uranca, IIlIsl,clory 10 Linder Ih,1 Gtlnlor <:In Ind will p.y lha cost of .uch Improv.m.nls. PROPERTY DAMAGe INSURANCE, The IoIlowlng provisions rail ling 10 Insuring lha Propar1y "" a pa" 01 Ihis Mortgage. Maintenance 01 Inaur8ncI. aranlor shan procur. and maintain policies of n'8 Insurance with slandard exlended CO\l8f80' endOBlmenls on I replacamenl blm 101 lha Iu1IlnSUflbl. value covering alllmprolllmanls on Ih. R..I P,op.r1y In In Imounl sulllcllnllo .vold appllclllon of any , colinlurlnce clause. Ind with. standard mOttgagee clause I" 'avO( of Linder. Policies Shan be wIllIen by luch In'u'l~ companies Ind In luch 101m I' may bl 'N,onabty acceptable 10 Linder. GranlOf' shaD de!lvlt to Lend., certiRcal.. of coverage tom Nch Inlur., conlaJnlng I Illputatlon lhal coverlge wUI nol be cancelled or diminished wlthoul . minimum 0' Ian (10) days' prior wrilten noticl to llndw and not conlalnlng any dlsclajmer 0' Ihl InIUl....s lIabillly (Of' 'alluII to glvI luch noUcs. Each Insurance policy 1110 shall Include an Ind0f'S8menl plovidlng lhal coverage In 'avOf' 01 llndw wiU nol bl Impalrld In any way by any let, omission Of de'ault 01 Glanlot or any olher petlon. Should lhe ReaJ Properly II any lime boeome local.d In In .... d.slgnal.d by lha D1roelor ollh. Federal Emerg.ncy M.nlgemenl Agency as a speclaf Rood hazard orll, Grlnlor IgrllS 10 obl.ln and malnlaln F.d.ral ~Iood Insuranca, 10 lha w.nl such Insur.nca Is ,oqulr.d by Linder and Is 01 boeomat aVlllabll, lor Ihl lerm 01 lha loon Ind lor lha lull unpaid principal balanc. of the 'JOn, or lha maximum Nmll 01 cOlllrallllhells avallabll, whlcheV1f Is less. Appllcallon 01 Proc.edl, Granlor shaQ p'omplly notily L.nder of any loss or dameg. 10 lha Properly II Iho esllmal.d cosl 01 replir or replacemenlexceeds 1500.00. L.nder may make prool 01 loss II Gr.nlor lalls 10 do so wUhln fineen (IS) days 01 tha C.SUllly. Whelher or nol L.nder's socurily Is Impaired, L.ndO< may, II lis .lecllon, apply th. procII~s 10 Ih. r.ducllon ollh. Indebl.dnass, plymenl 01 any Ilen Inoellng lhe Properly. or the restorallon Ind r.p.lr 01 Ih. Properly. II L.nder .1..1s 10 IPPIy Ih. proceeds 10 r.slor.tion and repair, Granlor ,haW repair or ,eplace lha demag.d or d.sltoy.d Improv.m.nls In I manner sallslaclory 10 L.nda,. L.nd.r shan, upon IIlIslaclory plool 01 such expandilur., PlY or 'a1mbursa Grenlor ~om Ih. procllds tor the r.asonlble cosl 01 r.palr or r.slorallon II GrlnlOlIs nolln d.'aull har.undOl. Any proceeds which halll nol been dlsbUf1ld wllhln 180 dlYS aller Ihelr ree.lpland which L.nder has nol commJlt.d 10 100 r.p.lr 01 reslOlallon otlha Properly shd b. used hi 10 pay any amount owing 10 Lender under Ihls MOIIgage, then 10 prepay acclued Inlerest. Ind 11'. remaJndet, IIlny, IhaIl bl applied 10 lha principal balance ollha Indebl.dness. II L.nder holds any proceeds an.r p.ym.nlln lull 01100 Ind.bl.dnass, .uch procllds shaQ b. plld 10 Gtlnlor, Unlxplred InlUranCI I' S.II. Any unexpired Insurance shall Inure to Ihe benefit a', and pass la, the purchaser 01 the Property covered by this MOf'tgage a. any trusleo's sale or olher sail held ur.der Ihe provisions of thIs Mortgage, or at any 'oreclosule sale 01 such Property. Compll.nc. wllh Exlallng Ind.bl.dn.... During Ih. p.rlod In which any Existing Ind.bl.dn.ss descrlb.u b.low Is In ."eel, compllanc. wllh tha Inlurance pro...tsJons contained In Ihe Instlumenl evtdencing such Exlsllng Indebtedness shall conslillJte compllioce with lhe Insullnce provislonl under INs Mortgag., 10 the Ixlent compliance wllh Ihfllarms 0' this Mortgage would conslilute a dupllcalion olln&uraoce lequltemenl. If any proceeds from lha Insuranca boeome payabl. on loss, the provisions In Ihls Mo~gag. for division 01 proceods Shell apply only 10 lhal pOlllon 01 lha proceeds nol payabl. 10 lha holder ollha Exlsllng Ind.bl.dn.ss. DPENDITURES BY LENDER. II Granlor lalls 10 comply wllh any provl~on otlhls Mortgage, Including Iny oblig.llon 10 mulnlaln Eidsllng Indebledness In good slandlng as r.qulr.d below, 0111 Iny acllon 01 proceeding Is commenc.d lhel would mal.rlally llIoel L.nd.~s Inlor.sls In lha Properly, L.nder on Gtlnlllf'a behall may. bul ,haM nol b. r.qulrod 10, Iek. any acllon Ihal L.nd.r deems appropnel.. Any amountlhal L.ndO< .xp.nds In so doing will bllllntlresl II the rile chalged undet the Note kom the datelncurrod Q( paid by londer 10 the date of repaymenl by Gfllntor. All such Ixplnses, al L.nde<'s option, wlU (.) b. payabll on d.mond, (b) b. add.d to Ih. balanc. ollh. Nol. and b. .PPOlUoned Imong and b. plyable wllh IOY InslaYmenl p.yments 10 boeome due during .lIher (I) Ih. I.rm 01 ony applicable Insuranc. policy or (u) Ih. r.malnlng Ilfm oIlhe Nol., or (c) be 1t..I.d IS I balloon p.ym.nl which will b. due .nd payable allh. Nol.'s malurlly. This Mortg.g. .150 will sacur. p.ym.nl 01 Ihese Imounls. Tha righls provtded 101 In Ihls Plragr.ph shill b. In addlllon 10 any olh.r rig his 01 Iny r.m.dle. 10 which L.nd.r may b. .nllllod on .ccounl 01 lha d.faull. Any such acUon by Lender shall nol be constlued as curing the defaullso IS to blr Lender from any remedy Ihalll otherwise would have had. WARRAHTYj DEfENSE OF TiTlE. The 'allowing plo\1slons relating 10 ownership of the Property al8 a part 01 this Mortgage. TIll., GrlnlOl warranls Ihal: (a) Granlor holds good .nd m./k.t.bl. 1111. 01 record 10 Ih. Property In loe simpl., IIUI and ckiar 01 all liens .nd encumbrances other than Ihose I8t 'Of'lh In the Real Propel1y descrlpllon or In Ihe Exlsllng Indebtedness secllon bolow or In any bUe Insurance policy, 11111 rep,,", or "011111I. opinion Issued In Ilvor 01, and ar.c.pl.d by, L.nder In conneeUon wllh this Morlgag., and (b) Granlor has lha ltJII right, pOw....lnd authority to execute and deliver Ih!s Mortgage to lender. DellllM of Till.. Subjeclto th. exception In the paragraph above. Grantor warrants and wlU fOlewr defend lhe Ulle to lhe Property agalnsllhl lawful ctalml 01 aU porsons. In Ih, evenlany .cllon at proceeding Is commenced thai quesUons Grantor's IIIIe or the Inlerasl 01 Llna under this Mortgage, Glantor Ihan delend Ihe acllon al GlanIOt'. expense. Grantor may be the nominal party In such procuedlng, but Linder shall be anUlIed 10 participate In the proceeding and to be represenled In the proceeding by counsal of Lender's own chok:e, and GranlOl wW dtHtver, at causo to ba delivered, to lender luch Instrument. as Lender may reque~llrom time to lime to pelmlt such pa,tielpallon. Compllanc. With LN'. GranlOl waHants thai Ihe Property and GrantOf'S use 01 Ihe Property compUos wIlh aU exJsting applJcable laws, OldlnanclS, and regulallons 01 governmenlal aUlhOfIli&s. EXISTING INOl!BTEONESS. The following prOvisions concerning existing Indebledness (Ihe "Exlsllng Indebtedness.) .,e a part 01 this MOt~ege. Ellsllng Lien. The lien 01 thiS Mortgage securing lhe Indebledness may bu secondary and Inferior to an exisUng lien. Grantor expressJy cO'Allllnt. and agrees 10 pay. or see to the paymenl 01, the ExJsling Indebtedness Ilnd 10 prevsnl anV default on such Indebledness, any defautt undel Ihe/nSlrumenls evidencing such Indebtedness, or anv default under any socurily documents fOl such Indebledoo$S. Default. lithe p.vment 01 any InslaJlmanl 01 pllnclpal 01 any lnlellst on the Existing Indahledoes, ls nol made wllhin Ihe lime l&quk'td by the nota evtdenclng such Indebledness, or should a default occur under tho Instrument leCullng such indebtedness and nol be cured during any Ipplicable grace period therein, then, althe option 01 Lender, the Indebtedness secured by Ims Mortgage shaU become Immedlatety due and plyable. and this Mortgage shall be in defaull. No ModlOclUon. Grantor shall not entSI Inlo any agreement Wllh Ihe holdor or any morigage 01 olher secullly agreemenl which ha. ptlonty over Ihis MQllgege bV which thai agreement Is modified, emended, exlended, Ot renewed wllhovlthe priOl wrlllen consonl of lender. GranlCl'shl_ nellher request nor acceptlnv fuluro advances under any such socurilv agreemenl Without the prlOt wrillen consent 01 Lendat'. Pllnr 1 :)~ t Wf :'11 t! .-. ." ..i.. ......... MORTGAGE (Continued) Page 4 CONOEMNATION. Tha loIIowlng provisions ralallng to cond.mnallon ollha Propllly are I p.ri 01 Ihl, MorIgag.. Appllcallon 01 N.I Proc'edl, II aU 01 Iny p.rt 01 lha Prop.,ly I' condemnad by .mlnenl domain proceadlngs or by Iny proceeding or purchase In lieu 01 cnndemnlMon, I.lnder m.y II lis .Iecllon r.qUlre lhal .11 or any portion ollhl OIl proceads 01 thl award bl applled'lo lha Indabladness or lha repair or rlSlor.llon 01 th. Properly. Tha OIl proceeds 01 thl eward sh.1I mean tha Iward aMer paymant 01 011 .ctual cosls, llpenses, end attorneys' 'GellncUIT8d bV Linder In conneclion wilh the condemnallon. Procudlnga. II Iny prOClldlng In condemnellon Is fil.d, Granlor sh.1I promplly nollly L.nder In wflllng, end Grantor shea promplly laka such slepa.. may be nocassary 10 deland Ih. ecllon and oblaln the Iward. Grenlor m.y be Ih. nomlnll plrly In such proclldlng, bul L.ndO< She, be .nllllod 10 partlclpal.ln lha prOCeeding and 10 be r.pr.s.nt.d In lha proceeding by counsel ollis own choice, and Granlor WlIJ dallver or ceusa 10 b. dell\IIIed 10 L.nder such InSlrumant, .. may be r.quest.d by II 110m lima 10 11m. to permll such parilclp.llon. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES, The 100Iowlng prolllslon. '.lallng 10 governm.nl.I....s, l_ and cha'g.. "" a part ollhls MorIgag.: Curr.nt T...., Feal and Ch.rllll. Upon r.quesl by L.nder, Gr.nlOl shell .xecul. such documenls In addition 10 IhIt MorIgag. and lak. Whllevw 0111<< acllon Is r.quesl.d by L.nder 10 p.rteel .nd conllnue L.ndll's lI.n on tha Real Prop.rly. Grantor sh.1I ralmburs. L.nder 101 IN ....., .. clascrlbad below, log.lher wllh .lIexp.nses Incurr.d In roeordlng, perleellng or conllnulng Ihls MorIgag., Inctudlng wllhoulllmJlaUon all ....s, -, documanlary slamps, and other ch.rges for recording or regtstlllng Ihls MorIg.g.. Ta..l. Th. IoIIowlng shall conslllul. Ia..s to which Ihls secUon applies: (I). specllic lex upon Ihls Iyp. of Mortg.g. or upon aa 01 .ny p.rt 01 lhe Inriebl.dness ....ur.d by Ihls MorIgag.; (b) I speellic ... Oil Granlor Which Gllnlor Is aulhorlzed 01 requll.d 10 deducl ~om paymanls on lha Indebladness SlCur.d by Ihls Iyp. 01 MorIglg.; (C). lax on Ihts typ. 01 Mortg.g. chargaeble agalnsltha L.nder or lha holder ollhe Nol.; Ind (d) a Specllic ... on all or Iny porlton 01 Ih. Indebt.dn.ss or on p.ym.nls 01 principal and Inl.r.sl mad. by Grantor. SUboequ.nt T..... If Iny lax 10 which this seellon .pplles Is .n.ct.d subs.qu.ntlo Ih. dal. ollhls MOIlgag., this .venl shaH have lha sama .Keel .. an Elllnl of Delaull (.s deHned b.low), and L.nd.r m.y ax.rctsa any or all otlls .v.llabl. r.m.dles lor .n Ev.nl 01 D.taun as provided below unless Gr.nlOl .lIher (I) p.ys lha lex b.,or. II becomes d.llnqu.nl, or (b) conlests lha ... .. provid.d above In th. Texes and Llenl secllon and deposits wllh L.nder cash or . sutllct.nl corporll. sur.1y bond 01 olh.r secUrlly saUsl.clory 10 L.nder. SECURITY AGREEMENT; FINANCING STATEMENTS. Thetullowlng provisions r.'.llng 10 Ihts MorIg.g..s a securily agreemenl.r. I p.rt 01 this MorIgaga, Securlly Agrum.nl. This Inslrum.nt sh.N conslllul. a sacurlly .greemenllo lha IIt.nl .ny ollh. Prop.rly conslllut.s Uxlur.s 01 olher person.1 properly, and L.nder shall have all ollh. righls 01 I secur.d parly under Ih. Uniform Comm.rclal Code as .m.nded 110m 11m. 10 11m.. Securlly Int.r"I, Upon r.quest by L.nd.r, Gr.nlOl shall lIecul. ftnanclng slal.m.nts .nd Iek. whal.ver olh.r .cllon Is requesl.d by L.nder 10 perloe, Ind conlin.. Lend..., secUrlly Int.r.slln Ih. R.nls and Person.t Properly. In .ddlUon 10 recording IhIs MorIg.lllln lha rael properly records, Lender may. ., any lime and wilhoul further lulhOflzalion trom Granlor, file executed counterparts, copies Of' reproductions of this MOf1gage as · financing slatement. Grantor shall reimburse lender rot aU 8l'penses Incurred In perfecllng or continuing this security In18l'851. Upon defaull, GraniCA' shaU assemble lha Personal Proper1y In a manner and ala place r0850nably convenient 10 Granlor and lender and make II av.llable 10 L.nder wllhln Ihr.. (3) d.ys all.r rec.lpl 01 wrlll.n d.mand from L.nd.r. Adrir...... Tha m.lllng .ddresses 01 Granlor (d.blor) and L.ndll (seclN.d p.rly), 11;(,', Y'hlch Inlormallon conc.rnlng the sacurlly Inler.sl grant.d by IhI. MorIg.ga may b. obtaln.d (.ach .s r.qulr.d by Ih. Uniform Comm.rclal COd.), .r. 's slat.d on the IIrsI p.g. ollhls MorIg.g.. FURTHER ASSURANCES; ATTORNEY-IN-FACT, Th. 100Iowlng provislons r.'allng 10 lurlh.r asSUrances .nd aIlOln.y-ln-f.cl .r. a p.rt 01 IhI, MorIg,g.. Further Aosurenc... AI any 11m., .nd 110m 11m. 10 lime, upon r.quesl 01 L.nder, Gr."lor will mak., execull'l and deliver, or will cause 10 b. made, lloeul.d or d.Uver.d, 10 L.ndO< or 10 L.nder's d.slgnee, .nd whon r.quesl.d by L.nder, cause 10 b. flied, roeorded, reflled, or rerecorded, al lhe cas. mlY be, alluch Urnes and In such ofrlcss Ind places IS lander may deem appropriale, any and an such mortgages, deeds 01 Irusl, sacurily deeds, securlly agreem.nls, ftn.nclng sl.l.menls, conllnuallon slel.m.nls, Instrumenls ollurther .sslNanc., cerllllceles, Ind olher documenls as may, In the sole opinion 01 Lender, be necessary or desirable In Older 10 eUaclual., complele, parleel, conUnue, or pr"""". (.) lha obllg.llons 01 Granlor under th. Nol., Ihls MorIgag., .nd Ih. RBlat.d Documenls, .nd (b) Iho Ilens and SlCurlly Inlerests Cleated by INs Morlgage on lhe Property, whether now owned or hereafl8f acquired by Granlor. Unless prohibiJed by law Of Igteed to the contrary by lender In writing, Gr.I1I01 shall reimburse lender IOf aU costs and expenses Incurred In connection wtlh the mailers re'8fTed to In this pa/agraph. Allorney-In-Facl. If Granlor laUs 10 do any 0' the Ihings reforred 10 In Ihe prece:Ung paragraph, lender may do so lor Ind In the name 01 GlanlOf' and al GranlOl'S expense. For such purposes, GranlOl hereby Irrevocably appoints lender as GranlOl'S ellomey-In-ract for lhe purpose 01 making, .xecullng, dellll8ring, HUng, recording, .nd doing all oth.r Ihlngs as may b. nec.sSlry or d.slrable, In L.nder's sole opinion, 10 accomplish the mati." referred 10 In the prOCedlng paragraph. FUlL PERFORMANCE. "Granlor P.YS '"lha Ind.bledn.ss whan du., Ind olherwl.. pertorrr., alllha obllg.llons Impos.d upon aranlor undO< Ihls Mortgage, lander shall execule and deliv81 10 Grantor I suitable satisfaction ot (his Mortgage and sultabklllalemenls 01 lermlnallon 01 any IlnancJng llal.menl on Hle .vid.nclng L.nder's sacurlly Int.r.'lln th. R.nts and Ih. P.rsonal Properly. Granlor Will p.y, " permJlI.d by applicable law, any rNsolllble lermJnallon fee as delermlned bV lend81 from lime 10 lime, DEFAULT, E.ch ollh. following, allh. opllon 01 L.nder, sh.1I conslllul..n .v.nl 01 d.f.ull ("Ev.nl 01 Delaulr) under Ihls MorIgelll: Default on rndebledn.... FaJlure of Granlor 10 make any paymenl when due on lhe Indebledness. Default on Other Payments. FaHure 0' Grantor within the Urns requIred by Ihis Mor1gage to make Iny paymenl tor taxes Of Jnsurance, or Iny other paymenl necessary 10 prevenl rUing 0' or 10 effecl dischargo 0' any lien. Compliance Defaull. Fai/uralo comply with any olher lerm, obligallon, covenanl or condition conlained In this Morlgage, lhe Nola or in any 01 the R.lllad Documents. False Slltemenls. Any warranry, ropresenlation or slalomenl made or furnished 10 lender by or on behalf 01 Granlor undar nlis Mortgage, lhe NOI, or Ihe Retated Documents Is falsa or misleading In any malerlal respecl, ellher now or .t Ihe Ume made Of rurnishod. Death or l,naolvtJncy. The deQth 01 OrsnlOf, Ihe Insolvency 01 Grsnlor, the appoinlment of. receiver lOt any pa,1 aI Granlor', property, anv l5s)gnmem for the banalll of CredllOf'1, any type of creditor Walkout, or Ihe commencemenl of any proceeding under any blnkruplcy or InlOlvency laws by 01 Igalnsl Granlor, However, Ihe death 01 any Grenlar will not be an Event of Default II IS I rnull of the deelh or Grantor lhe Indebledl18U is 'ulty covered by credit ille Insurance. Forecloltlrt, FOrfellure,I'C. Commence",enl 01 fOleclosure Or lorlallur. proceedings, whether by Judk:lal proceeding, S&lf-help. repossession or any other malhod, by any crsdllor 0' Granlor or by any govsrnmenla/ agency egainsl any 0' Ihe Prooertv, However. Ihts subsection shaH nolappfy :-....'n". 'nt' ..... MORTGAGE (Continued) PIga 5 In Iha '\IInl 01 a good tallh dlspull by Granlor os 10 Ih. valldily or reasonableness ollha claim which Is lha blsls 01 lhe loreclosure or 'orllellure proceeding, provided Ihal Granlor gives llnder wrlll.n notice 01 such claim and lurnlshas res.rves or I surely bond lor lha claim sellllaclory 10 Linde<. Btaoch 01 Olhar Agreem.nt. Any breach by Gr.nlor under Ih. lerms 01 any olher .greemanl between Granlor Ind Lender lhatla nol rlmadlad wllhin any grace pet10d provtded Ihereln. Including wilhoulllmilalion any Igreemenl COnc8(rnng any Indeblodness or olt.er obligation of GIaniOf' to Lander, whalhar P1sllng now or Ialer. ExlIJlnlllndlbltdnall, A deflull ,hell occur under Iny Exlsllng Ind.bl.dnes, 01 under any Ins~umanl on lha Properly ucUring Iny Exlsllng Indlbltdne.., 01 comma"""menl 01 any sull 01 olh.r acllon 10 foreclose any exlsllng tlen on lha Proper1y. Ev.nts A"ecllng Guarantor. Any of the preceding Ivents occurs with respect 10 any Guarlnlor of any 01 the Indebtedness 01' such Guarantor dles or becomes lr1compalanl. Inllcurlly, Lander In good lellh deems llselllnsecur., RIGHTS AND REMEDIES ON DEFAUlT. Upon lha occurr.nc. 0' Iny Ev.nl 0' D.laulllnd allny lima lherllller, L.nd.... allls opllon, may exorel.. Iny one or mOl. oIlhe 'oIIowlng rlghls and r.m.dles, In addition 10 .ny olher righl. 01 r.m.dl.s provided by law: Acc.larll. Indebltdn.sa. Subjecl 10 applicable law, L.nder shill have lha right II lis opllon wllhoul nollc. 10 Granlor 10 declar. the Inllre Indebl.dness Immedlelely due Ind p.y.bla. UCC Remedll" With respecllo all or .ny part 0' lhe Personal Prop.rty, LInder sh.1I have llIlhe rig his Ind r.m.dle. 01 I secur.d party unde< lha UnllOlm CalT.merclal Cod.. ColI.cl R.nte. Linder shall h.v. Ih. righi, wllhoul nolle. 10 Gr.nlor, 10 Iek. possession 01 lhe Properly and colllecllh. A.nls, Including Imounls past due Ind unpalo, Ind apply Iha n.1 proceed., over Ind above L.nd.(s cosls, Ig.lnsllha Ind.bl.dn.... In 'urlher.nc. 0' Ihls righi, L.nder may requlr. Iny I.nlnl or olher user 01 Ih. Property 10 m.k. paym.nls 01 r.nl or u.. lees d~eclly 10 L.nder. IIlh. n.nls ar. collecled by LIndO<, lhan GrI"lor Irr.vocebly deslgnales L.nder .. Granlor's aIlOln.y-ln-lacl 10 .ndorse Ins~umanls rOC.lved In p.ymanl lhar.ol In lhe name 01 GranlOl Ind 10 n.gollel.lha same Ind collecllhe proceeds. P.ym.nls by I.nanls or olher users 10 L.nder In r.sponse 10 l.nder's demand shall salllly Iha obllgallons tor which Ih. paymanls are mad., wh.lher or nollny proper grounds lor lhe d.mand exlsl.d. L.nder m.y exercise lis righls under Ihl. subplragraph .lIh.r In person, by alllnl, or Ihrough . rec.lver. Appoint Racelvar. Lander shall ha\lllhe righllo have I rocelver .ppolnled 10 Iak. possession 01 all or .ny pari ollha Propariy, wllh lha powor 10 prolecland prttlllVlllhe Properly, 10 oper.I.lha Proparly proc.dlng toreclosur. or sale, and 10 collecllh. A.nls hom lha Proper1y and apply Ih. proceeds. OYW and above the cosio' the receivership, Igalnsllhe Indebtedness. The recINver may S8fVe withoul bond If permllled by law. Linder's righl 10 the .ppolnlmenl 01 . receiver shall exlsl wh.lher or nol lha IpPlr.nl value 01 Ih. Property exceeds lha lndebl.dness by a substantial.mount. Employment bV lender shall nol dlsquaUfy . person from serving 8S a rece4ver. Judlclel ForecJoaur.. Lender maV obtain a judlc:lal decree foreclosIng Granlor's Inlerest In all or anv pari of the Proportv. Nonjudlclel SeI., II permJlI.d by .ppllcabl.lew, L.nd.r may toreclose GranlOl's Inl.,.slln III or In Iny pari 01 Ih. P.rsonal Prop.riy or lha Real Properly by nonjudicial sal.. D.llclency Judgm.nl, l.nder may obl.ln a jUdgm.nl tor any d.flcl.ncy r.malnlng In Ih. Ind.bl.dness due 10 L.nder aUer .ppllcellon 01 all Imounls rocelVlld hom lhe ex.rclse of Ih. righls provld.d In Ihls secllon. T.nancy II Sull.,ance, If Granlor r.m.lns In possession 0' Ih. Prop.rty .lIlr the Properly Is sold .s provld.d Ibove or L.ndO< olh.rwls. becomes enlllled 10 possession ollh. P'op.rty upon d.l.ull ot Granlor, GranlOl shall become a I.nanl al sufferance 01 L.nder or Ih. pu,chaser 01 lha Proper1y .nd shaD, Ill.nde(s opllon, .ither (I) p.y a reason.bl. r.nlellor Ih. use 01 lhe Prop.rty, or (b) vlcala Ih. Properly Immedlalely upon the demand 01 L.nder. Olh.r A.m.dlea. l.ndO< sh.1I h.v. all olh.r righls and r.m.dl.s provld.d In Ihls Mortgag. or Ih. Nol. or av.".bl. .1 law or In .qully. SeI. 01 Ih. Property, To lha .xl.nl permlllad by applic.bl. Iew, Granlor h.r.by w.lves .ny .nd all rlghllo heve lha prop.rty marshalled. In P81cl$log Its rights and rlmedies, lender shall be free 10 5811111 0( any part 01 the Property together or separalely, In one sale or by aeparale sales. Linder .heD b. .nlilled 10 bid al any public sele on .11 or any pOlllon 01 the Prop.rly. NoUee 0' Sale. lender shaH give Granlot reasonable notice of the time and place of any public sale or the Personal Propetly or 01 the Ume Irtet which any privale sale or other Inlended dlsposillon 01 the Personal Property Is 10 be made. Unless olherwlse required bV appllcab'- law, relsonable noUce shall mean notice given alless! len (10) days before the time oltha sale or disposlllon. W-,yer; Election 01 Remedle.. A waiver by any party or a breach or . provision 01 Ihls Mor1gage shall not constitulo a waiver 0' or prejudice the party', rights olhelWfse to demand strict compliance wllh Ihal provision or any olher provisIon. Elecllon b)' lender to pursue any r.medy shaY nol exclude pUlSult 0' any olher remedy, and an election 10 make expenditures Of' lake action 10 perform an obligation of GranlOf' under this Mor1gage Iller faUure of Grantor to perform shan not aHeet lender's right 10 declal8 a defaull and exercise lis remedies under Ihis Mortgage. Attorneys' Fe..; Expenses. IIlendsr Inslilules anv sull or acUon 10 enforce any 0' :he lerms 0' Ihls MOftgage, Lendor shan be enlltled to recover such sum as the court may adjudge reasonable as attorneys' fees at tdal and on any appeal. Whether or not any court acllon Is ln~V8d, an raasonab" expenses Incurred bV lender thai In Lender's opinion afe necessary at any Urn. lor Iha protection 0' lis Inler.51 or the anfOlc.rnent of lis righl. shall becoma a p.rt 01 Ih. Ind.bl.dnes. plyabl. on d.mand .nd shall bear Inler.sl hom the d.l. 0' .xp.ndllur. unlU r.pald allhe ral. provided lor In lhe Nol.. Expenses coverad by Ihls paragraph Includ., wllhoulllmllellon, how.v.r subJecl 10 any IImlls under .ppllcebl. law, Lender's aUOIneys' tees and lender's legal expenses whether or not Ihere ts a lawsuit, Including aUorneys' fees fOl bankruptcy prOClitedlngs (Inciudlfll/ .UorI. 10 modlly or vacal. any .ulomalJc slay or Injuncllon), tipp.als and .ny .nllclpal.d posl-judgm.nl collecllon WVIces, the cosl 01 searching (ecordS, oblainlng lille reports (InclUding foreclosure reports), surveyors' reports, and appraisal fees, and Iille Insurance, to the ...18nl p8lmltled by applicable law. GranlOlalso WIll pay any court cosls, In addition to all olher sums prOvided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unl.ss olh.rwls. provld.d by Ippllcable law. any nollc. under Ihl. Mortgage shall be In wr1l1ng and shail be effective when actually delivered, or when deposlled wilt! a nationally recognized overnlghl courklr, or, it mailed, shall be deemed eflecbve when deposited In Ihe United Slales mall firsl crass, r8Qlslered mall, postage prepaid, directed to the addresses shown near the beginning of IhIs Morlgage. AllY party tnay change Its addr8$S for nollces under Ihls Mortgage bV giving formal wrillen nollce 10 Ihe other parties, specifying lhalthe purpose of lhe notice Is 10 change Ihe parly's addres!J. All caples of notices of foreclosure from the holder of any lien whk::h has priority OV9f INs MOr1glge shall be sent to Lender's address, lIS shown near the begInning of this Mortgage. For notice purposes, Grantor agrees 10 keep lender In'ormed .t .U Urnes 0' Grantor's cultenl address. MISCEllANEOUS PROVISIONS. Th. following misc.lI.n.ous prOvisions .r. a part ollhls Mortg.g.: Amendments. This Mortgage. together WIth any Aelaled Documents, consUlules the enlire underslandlng and agreement of lhe parties as 10 lhe bOOK1251 PACt 316 ..~...'\::. LS", \1... MORTGAGE (Continued) ~ Plge 6 matlers seltorih In Ihls Morigago. No atlerallon ot or amendment 10 Ihls Morlgage shall be enecllve unless ulvun In wrlllng and slgnad by Iha pally or parlles soughllo ba cherged Of bound by Ihe allerallon Of amendment. Applicable Lew. Thla Mongelli hu be.n dlllver.d 10 Lander and occ.pted by Llndar In the Commonweallh 01 P.nneylvenll. Thla MonW'l1ll ehlll be governed by and conslruad In occordanca wllh Ih. lewl 0' Ihe Commonweellh 01 Plnnlylvlnta. Cepllon Heedlngl. Capllon heedlngs In Ihls Morigage are lor convenience purp058S only and ale nol 10 be used 10 Inlerprel or dehna lha provisiol1i 01 Ihls Morlgage. Marger. Til<<l shaH be no merger 01 Ihe Inleresl or eslala crealed by Ihls Mortgalll wtlh Iny olher Inlerosl 01 eslele In Ihl Properly al Iny lima hold by 01 lor lha ban.hl 01 L.nder In any clpaclty, w1lhoullhe ...rillan consenl 0' Lender. Mutllpll Pw1I.I. AM obUgaUons 0' Grantor under Il'lts MOltgage Ihall be joInl and MVllal, Ind aU r.'eronces 10 G,anlOf lhall mean Nch and '1III'f Grantor. ThiS melns lhal each ollhe p....ons signing bolow 10 r..pon~bla lOt III obllglllons In Ihll Morigoge. SlvIIAtJlUy. II a court 0' competent Ju,lsdk:llon IIndl Iny provision 01 Ihll Mortgage 10 b. Invalid or unenlOfc..bte .1 10 any pelIOO Ot cltcumslance, luch finding shall nol r.nder thai provision Invalid Of unenlOtcubla as 10 any olher p,,,onl 01' cllcuOlslanc... II feasible, Iny such oHendlng p,olJWon shall be deemed 10 be modified to be wilhin Ihe Umlls of anlorceabllity or validity; however, if Iho orrend!ng p,ovtslon Clnnol be 10 modllled, It shaD be strk:ken and aU other provlllon' 01 this Mortgage In a. other respects shall remain valid and enforceable. Succaaaorl and Aaolgnl. Subjecllo Ihe Hmllallons sleled In Ihls Morigege on Irlnsler 01 GranlOl's Inleresl, Ihls Mortgage shaH ba binding upon and Inur. 10 ihe b.nefit of the parties, lhe!r heIrs, personal represenlallvGS, SUCC8$sors and .sslons. II ownership ollhe Property becomes vested In I perlon olher tNn Grantor, llnder. Without notice 10 Granlor, ITliY deal with Gr.nlor's luccessOlS wllh ro,.,once 10 Ihts Mortgage and the Indebled-. by way 01 torburance 01 exlension wllhout releasing GrsnlOl kom lha oblige lions 0' Ihls Mongalll or HabHlly under lha Indebled_s. Tim. 1101 Ih. Elllnca, TIma Is ollhe essence In the per/ormlnce o'lhls Morfgalll. W.lverl and Conaanll, Lender shall nol be deemed 10 have waived any rlghls under Ihls Morigag. (or under III. Releled Documenls) unless such watver II In wriUng Ind signed by Lender. No delay or omlsslon on lhe pa" 01 Lender In exercising any rlglll shall operale IS I waiver 01 such rlghl Ot Iny olher rlghl. A welver by any pany ot I provtslon ollhls Morlgage shall nol conslllule a waiver 01 Ot preJudlca lha party's rlghl olharwlse 10 demand strict compliance wllh Ihal provtslon or any olher provtslon. No prior waiver by Lender, nOt eny course 01 dealing between lindei' Ind Grantor. shaD constitute I waiver 01 any of lende,'s righls or any 0' Granlor', obllgallons as 10 any lulur. Iransactlons. Whenever consanl by Lender II required In Ihls Morigage, lha granllng ot such consenl by Lender In any Inslance shell nol conslilule conllnulng consenllo subsaquenl instances where such consent is required. i ~ I I , . EACH GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TERMS. ::~,NTOIJ .'1 R~r1 J, Jon'" -- y Jan~elfiZ;.: a 0- ~... (6~1 '- - .~- ---- (l!EA!.1 ", ecknow(}~'dellve'ed In Ihe presence 0': . ~ llIlA,r-- In.as x Wllne.. CERTIFICATE OF RESIDENCE I hereby cerIIly, Ih.,1ha precme addless 01 lhe morigagee, Film." Truel Company, herein Is IS IoIIows: Ona WIsl High Streel, ClIlIlIle, PA 17013 AIICI'n.y ot AgMl lot "'arlDt'~. bOOK 1251 FACE 317 MORTGAGE (Continued) --- INDIVIDUAL ACKNOWLEDGMENT 8TAT! OF ~/ ~/J ~p;; COUNTY OF (~ nJ k,r j,; nd Pig. 7 I )18 I Notalial Sial Ponny L. Craw1ord. Nolery Public Nor1h MIddI.ton Twp.. Cumborland Counly My Commlulon Expire. March 16, 1998 Mormor,~_lionolt_ On IhIs dof bolar. me, lha under1lgned Nolary Publio, perso",lIy Ippaarld Robert J, Jonal and Jane M. Kolly-Jona., 10 me known 10 be the IndMduail dascrlbld In Ind who .xocul.d lha Morigalll, and aeknowladgod lhallhay slgned IlIe Morigag. as Ihelr ~eo Ind volunlaty lei and deed. lor lha uses d pijrp'~ 1~~e1n menllonad. J _ Glvln u "l~. :*'~ .lei Nlllhl. day 01 ,/'; /Jr d" ,- ( / ,11 9 5 . .. i ......~." .H," / J ",' J /7 / J 4;..... I By" .' .' Ra..dlngll'f'/.I),.........I1<"rl'Hcv..,aU;' f (4r/..1ft' Hi '-'tJ I No~':" My commleolon axplrla /l~..../'. /, /? . /9t?.? .~.~~ , use,,' "0 I~ . T!....... 1'=.\1... ~.I'tc;) liil CFIPro& "ie". kl4. Allrlc.h1aruaf".c1JPA.aOJJONClIAJ,lH AnoV1.1 ~~~"1t."\)\,,:\ ,~.W.,~~ ~ () . ~ . .. . H-.. .."-i';...... . !~,:\S "~t..l"l " i . ':.,~_~) l\;ht' ;jf.~?,~ '(4 ...."~.'I"".~C/. l7.': I . .,,"~" ..t 'JI-_~.. . ~""~."': ..'...~.'; . ~~~;'T'T;){, . .'f.ilJ,ji....'" :';"_~~~~" . " ~.......... ....'''~ ~"!:'- , . - .i ~ \,"*'^.:;,:.!,..r_"' ..I.~.\ a ~\, .', .,.1; I"!',J.. "t;..,' ... q... 'JIW... .. . .. ~tf~/"",,,,,~...1 "-iJ" ,! .' )!:4':~~'~'~Lq~~... " ~. "\'n".:>." I ,. . ,- lii-...""'~.. Ilei ,- .,!;.....,;.;./..~, - . \4t._~-":t~~'t.y;.~- .It.....'..' ,1..,...~......-r...~/J".. . . " "'p~"" "".-". ,"'.- ;~\,:i.~ _ ~~...=-.~..... . I . 800K 1251 PACE 318 ..., r.~MMONWE^lnl 0' rENNr,\'lVf,~JIA ."::; ,., llt".~RIMEIH Of aEW-lUf :; :: :!~lt~II~;:';. ~-~~ 0 i ; ~ THIS,INDENT,URE .i:i'ii..I.~_~..._...:.1:-: MADII THB 8th dalof Novlmbu /ll Ih, "IU olour Lord Oll"MWllnd "/'" hUNu,d "/"'I)I'IW(J ( J 99l), BBTWIIIIN RICHARD LEE KIMMEL, SR.. also known u RICHARD L KIMMEL, and SHIRLEY MAE KIMMEL. I!xcculOra of tho WI WUI ,and Teawnenl of BERTHA M, KIMMEl., lalo 01 Mlddlealll Townlhlp, Cumbcrllnd Counly, Pcnnaylvanll, ~, pU1lC1 01 Ihe firal parI, '. .... " '., , . GRANTORS.,. A'ND ROBERT J. JONES Ind JANE M. KELLY'.jON'ES I h'u~~and and wtrl. of Mlddlllell Townlhlp (malllnl Iddrell: 146 Norlh Mlddleaell ROld, Carlisle, P.nnaylvanll t7013), Cumberland Counly, Pennlylvanll, panlCl of the accond pU1, " ". -. .. ." .. I'~"'f\'f' jl).1 . '1" . RAtnlll!S , ' ,..);i ..\' ...._ ._.._..0'" WHEREAS, Bertha M, Kimmel died I widow on January 11, t991,aelzed In feo or tho hereinafter ducrlbed rW Cltlle, and by her Last Will and Teatamcnl dated Man:h 16, 1989, alnce her death duly proved and remalnin(\ of record In tho Office of tho Resister of WUllln and for Cumberland County al Carllal., Pennaylvanla, In WUI Book 111, Palo 914, and filed to !!Itato No. 11-91-424, with record of plymenl of Pennlylvanla Tranlru Inherltanco Till recorded In Till Dockect4, Pile 67, Line 9, provided In Slid WlII,lnler alii, II rollowl: , "4, I hereby nominata, conltlcuto and appolnl my II1d two (1) chUdrcn or either or them, Ihoy belnl Richard Leo Kimmel, Sr" and Shirley Mae KInunel, u co-I!xcculora of thla my wlWUI and TCltamenl and 1 runher direct that neither of them Ihall be required to polt any bond 10 Iccure the rallhful pul'onnanco of hla or hudullealn the CommonlVeahh of Pennsylvania or In any other Jurisdiction," WHEREAS, Lenera Teatamenlaly In the estate or Bertha M. Kimmel were Issued by Iho Cumberland County Relllster or WUlI 10 Richard Leo KImmel, Sr., also known as Richard L, Kimmel, Ind Shirley Mae KImmel on May 19. 1992, w1thoullhe requlremenlthat any bond be posted by either 01 them, which Lelters Testamentary remain In full rorce and eUccl, and, WHEREAS. Sccllon 335t 01 the Problte, Estalea and Fiduciaries Code (10 C.S,A. 3351) IlvCl penonal represenlltlvCl tho power 10 sell at publlc or prlvlte .a1e any real property not .peclllcally devised, and, WHEREAS, the herelnDOu described real property was nOI specifically devised, , n ~ 0::' 1::'" ::z: c.'" ~ = ",glu = :n ::13 '" r- 0:" U) !.:,..,-t c;u~ ::D nON 3 0"'- c: '=' ,., ~ Z"'O ~ ..."'.- '0 -<0'" .",'" U1 ." ~ 800K~5 ~ACE 181 I . .... 10." 1.1.... (J .. \. , /' I..... .', :", r '1:' ",1/" ,... . . .' .. ~ I' ......'; ,1",' '0" . .' .. " , - -~----~..-. ..._-_._~- -.---. .-----....- -""-- ----... ..---t.-'" --.....--.-....- "If /fAIr-;-. '( .~ . ~.. 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J .~".tto1~.'.J ~;"~~;r. .~.~.: ':~'" . :;, .::,: ('jl. ':~'. .I';.;'.:' :' ,I. . ': . '~:' '. 't. .\'. : ;.. ". . ~\, .f ",..,..J.; L...,., ~ "'1'" .'t'Jo"f',I.'.: ':'t',~I'.;t' ..."\t'..~.,,Jo .'" ,. " .~",lp \~r"~' :'1" .', ',' "",~~,'Io ..' ';'1 ' ./, ,". '" . .;. "~.'. : 'lilt}':.("I) . :. . .. :....: '.; ':".11, J.. ~ 'l~: :". ':1 ,.... . '."" "'~""'\ '. (:I~ \<:1;. '"~'rt''''''' :"'" ~l ..:.: "\"-:;)""~'l"j:.t!'f:-':'i ~~.: ':', ::'~~:\f:'J.i1(""t:"'~" ,.',.,; ~ I " I .,..., :. "..<l(,r-rf .. '.; , ,I;, . ,." ":' :~;!/.:,::.~f.~;,"?~.:"r:".')~' \';Iil': ":"..',:' '. .. ~'. . ~ ), '''~: :',' II ,: .. . . :':~"." ..1.1'..., ,,'.. ' ';' , "".' ',.1 ..: .It. .. .\ ~ t' '. ,~ .. . ,~. . , . '. ~:. . . I:":' " .: ." " " '. , .' ,. , '. ..; ..... ~. I 'I..l:;' '.f. ;:(. .:1'> ',' 'j j. . ... ~ r..;' . "1 ',\. "1'" " . .,1 f ':q.',., , ~ ".. , . ,~:. \ ."; ~ ft .. .,1"# ".,11' ',' ... :"'. .'. ." , ',' . 'f" , , .,~ .. '.' . " t.r) ,.ro". : ,.J t'" .. 'w' ..., ,to! .' ,KIT,I'':'/i . , '. ".'1' ,i..l.... . , ',i ':.,t.....;)..". , . " .,~. "'1~':t ..'~.':!>.....y..IJt:/ ' ,/,,1 "f' <t'j : . .,. . ~. \,. ..:.:,. .,,' ',~'... ' ..,/ ,,., ~ooiZ.35 rACE 184 'II :>, - "l) ,~ '~ tJ.> " L ..... (,,&.L. '"'''' .. ill ~ n, ~. l. '\ III ~ '. ,.r.l"" , ) ., , " " ..---.. >. .' I, .....;_a__ ..t;; 'J . ''''1' . J . . . ,. .... . .',1 ":;01 , ,'.' I i t ./ '. PROPE'Ii'T'" o?".YOrlN O. KIMMeL VII.I./IOC "II' C~HlISJ.', 'S"'/P/NG.." ,.. Af,,oDI."oS#),' TWR, C'//MIUF<~Ai") c<;J, "'I. .. " :; -. '. '_ . , ~, " I, . rN'~ ~~tJJrlr "" tfI"'-lf'r,..,_ tJ"A 'A.?4K.JS. Y'A'A(,'j I .~. ".,';,(,' ',' A':;'~:'ci"~1~.,."J.;;~~j;'..;~~ '."~1 ...."::r.;" ':~.:, ,"v~"'~ C'''t'HII''''l~~.t:'II''''-'''V'IlI'rh'rDItI.I_~ I':'~'.'~"'<f......"",'r...\ : ". ',\ . ":"""'~/~4.I',' ........ ,'. ,." ' __. ". . ...t f '4":. '. rot, . ." , ':", -{';I,' 'J "rj , .; 4,1'1 "" ,)-''':~~~ ! ':.\. . \0. ..... " '~'. ~ I" .. "'1.:1 I' \. ,," J J ' '1"" , -, .'. "',-', .': ':. 'f. 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GI~IO 01 P.nnsy vln I SS County of Cumberland n.,cordad In Ihe office lor the recording 01 Deede u'-'l.ln rnd 10~umb.~fJlt..Coun..,.l'.I. h()ilU1ll00k VoIh;b. ,sgeCI5.L wltnoSl my hand al 01 on Carlial., PA Ihl Y fB ~ACE 185 RocorcH NOTICE OF INTENTION TO fORECLOSE MORTGAGE TO: Jane M Jones 30 Wagner Drlye Car Tfsre,-p-,Cl. 70Tr--- Date of Notice 8/18/97 10055923 Loan No. _.____u. .___ If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mo"g"~B paymenrs. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. I f full payment 01 the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our altorneys to start a lawsuit to foreclose your mortgaged properry, If rhe mortgage is foreclosed your morrgaged property will be sold by the Sheriff to payoff the morrgage debt. If we refer your case to our attorneys, but you cure the delault before they begin legal proceedings against you, you will still have to pay the reasonable attorney's lees, actually incurred, up to 550.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's lees even if they are over 550,00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirtl' day period. you will not be required to pay attorney's fees, We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have Ihe right to cure the defau/r and prevent rhe sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the raral amount of the unpaid monthly payments plus any late or orher charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any orher require. ments under rhO mortCWle. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately ec 1 'j'jf , A notice of the date of the Sheriff sale will be sent to you before the sale. 01 course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 241-7759 . This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. II you continue to live in the property alter the Sheriff's sale, a lawsuit could be started to evict you, You have additional rights to help protect your interest in the property, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLO If you cure the defJI"t. the f you are not entitled to this riyht .:;7,...,'f!XHUII1'" . 1"'1). .."i.......... '. ,- -".. o the satlle position as if no default had occurred, However, .j ,than three times ~n ~l:ar. ~;.,.. . ~"'~ u'l<Tmberly Hammond, Collector ...," NIF nth. ~ 'l.tI~ ,..~,.. NOTICE OF INTENTION TO FOliECLOSE MORTGAGE TO:~~~;g~r~ ..------ I:"a-nrsre;-p/t-mrrr-- ---- 8/18/97 Date of NotictJ f0055923 Loan No. _... ..... The MORTGAGE huld by . Farmers Tr'.llst .Co~_ . __ . . _ m (hereinafter we, us 'H oursl on your property lo~ated at_~O_~~.9n.er_..D!1 v,,:!~~Tme,l'A I/Ul j IS I N- SE Rio-us. 0 E F i~€TlJeC~"~~.;';;lllave not ~u'fy ;-;;; momhly paymer11s O~~g~~~' j~9/ for the monrhs of __.__ . .__. ._._.....___, _.___...._..._.__, and end/or because _____.__.._ __. ..__ Late charges and oth"~;~h-';-rg-;;;;'ave aiso accrued to this date in the amount of -U- , The total amoun.t now 832~~5d to cure this default. or in other 'lJ"Jrds, ~el callght up in your payments, as of the date of this letter, IS S ____N_. _ _.._.__ . You.fTJilY r,pre rillS default within THIRTY (30) DA YS of the date of this/erter, by peying to us the above amount of $ Ilj~.4~ _..___._, plus any addiriLlnal momhly payments and late charge which may fall due during this peri'f!r~~Fg fttxm~nl:O':ust be made either by cash, cashier's check, certified check or money order, and made at If you do not cure the default within THIRTY (301 DAYS, we imend ro exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments, " full payment of the amount of default is not made within TH I RTY 130) DAYS, wa also imend to instruct our attorneys to starr a lawsuit ro foreclose your mortgaged property. If tll/l mortgage is foreclosed your mortgaged property will be sold by the Sheriff to payoff the morrgage debt, If we refer your case to our attorneys, but you cure the default belore they begin legal proceedings against you, you will still have to pay the reasonable attorney's lees, actually incurred, up to 550,00, However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees ""en II they are over 550.00. Any attorney's fees will be added to whatever you owe us. which may also include our reasonable costs. If you cure rhe default within the thirty day period, you will nor be required 10 pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. II you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the righr to cure the default and prevent rhe sale at any time up to one hour before the Sheriff's foreclosure sale, You may do so by paying the rotal amoum of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require- ments under the morfILage. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately Dec 199/ , A notice of the date of t:le ?heriff sale will be sent to you before the sale, 01 course, the amount needed to cure the default will increase the longer you wait, You may find out at any time exactly what the r9quired payment will be by calling us at the following number: 241-7759 . This payment must bsln cash, cashier's check. certified check or money order and made payable to us althe address statad above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additienal rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE- MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM- STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLO If you cure rh~ d~f.lll/r. rhe '" you are not entitled to this riglll t 'QfflM . " , " I'ii)";' _p.. ..' ,; c!'-';:'" 'y.,_,>.", ~,.,..ov""'..-.,,,. "._,t,'"'" .~".'__""__?__'-h - ," d rhe satlw posirio s if tlO default had occurred. However, tha" threl'B~i:es i~::"~~~\ imberly D Hammond, Collector NIF Rev ~ 'J 114. ,u~.., ~ ~.4f , :r ACT 9.1 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS __10Q5592L-m-------- Dale: JlL1ll/97 RE: Account No,: ------------------- TO: Robert JJOnes ~O _Wagne~uJi!'!l-eJ ea-rJj ~l e I J~"--EQ13 FROM' tarmers Trust Co14f5 RItner Hwy Carl isl~ Pa. 17013 ' . __._______._ ___ _ __u_.~_____ ~._--- . i You mey be eligible lor flnanclel ..eletence that will prevent loreclolure on your morlgaga /I you comp'Y wllh tha; provll'onl ollha Homeownera' Emerg.ncy Mortgage Alllltence Act 011983 (the "Act"),You may be eligible for emergency t.mporary alllllance " your delault hae been cauled by clrcumltancel beyond your control, you have a rallonlble' prolpect 01 resuming your mortgage peymentl, end" you meet other ellglblllly requlrementl eatablllhad by tha, Pannaylvanla Hauling Finance Agency. Pleele reed all ollhll Nollce. II contelnl an explenatlon 01 your rlghtl. ! Under Ihe Acl, you are entllled 10 a temporary slay at foroclosuro on your ~orlgago for Ihlr'y (30) days 'rom the data of this: Nollco. During Ihal lima you must arrango and allond a "Iace.lo-Iaco" moelmg wllh a roprosontallYo of Ihls londor, or wllh a deslgnatod consumor crodlt counseling agency. The purpose 01 Ihis meellng Is 10 allemptlo work out a repayment plan, or to! olhorwlse sellle your delinquency, This meollng must occur In the next thlrly (30) days. :' " you allend a face-to-face meellng with this lender, or with a consumer credll counseling agency Identllled In Ihls nollce, nO',1 further proceeding In mortgage lo,oclosure may take ptace for thirty (30) days alter the date o' this meeting, The name, address and tele~hone number 01 our represenlallve Is: Jack V HutChison 141 ~ 10 tnei'tIWy a 1 s e, a Telephone Number: I The name(s), address(os), and phone numbers 01 (a) designated consumer credit counseling agency(les) Is (are): YWCA 301 G Street CarlIsle, Pa 17013 Ills only necessary to schedule one 'ace-to-Iaca meellng. You should advise this lender Immediately 01 your Intenllons, I Your mortgage Is In de'ault because you have failed to pay promplly Installments 01 principal and Inlerest, as raqulred, for I period of at least sixty (60) days. The tala I amount 01 the do'lnquency Is S 832.45 , That sum Includai I the following: I Three montly payments of $286.49 for the months of June, July and August 1997 ' Your mortgage Is also In dafaui: for the following reasons: If you have tried and are unable 10 resolve this problem at or aller your face-to-face meellng, you hava the rlghlto apply fe financial aeslstance from the Homeowners' Emergency Mortgage Asslslance Fund. In order to do this, you mustlill out, sign an file a completed Homeowners' Emergency Assistance Appllcallon with one 01 Ihe deslgnaled consumer credit counseling egencle' listed above. An appllcallon 'or assistance may only be obtained from a consumer credit counseling agency. The consumer cred counseling agency will assist you In filling out your appllcallon and will submit your completed appllcallon to Ihe Pennsytvanl Housing Finance Agency, Your appllcallon must be filed or postmarked, within thlrly (30) days 01 your face-Io.foce meellng. "'s extremely importanl Ihal you file your application promplly. /I you do nol do so, or if you do nol lollow Ihe other lime perloo sel lorlh In Ihis leller, loreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very 11m lied. They will be disbursed by the Agency under the ellglblllt criteria estebllshed by Ihe Act. It Is extremely Imporlant that your oppllcallon be accurale and complete In every respect. The Pennsylvania Housing Flnanc Agency has slxly (60) days to meke a decision after It receives your appllcallon. During that addlllonallime, no forectosur proceedings will be pursued egalnst you II you have met the lime requlremenls sel forlh above. You will be nolified dlreclly by thl Agency 01 115 decision on your applicallon. The Pennsylvania Housing Finance Agency Is localed at2101 Norlh Front Slreet, Post Olllce Box 15530, Harrisburg. Pennsylvanl 17105. Telephone No. (717) 760-3800 or 1-600-342-2397 (loll free number). Persons wllh Impaired hearing can call (717) 780-186! In addillon you may receive anolher nollce from Ihls lender under Act 6 011974. ThaI nollce Is called the "Notice of Intenlion t Foroclosure". You must read bolh nOllces, since Ihey both explain rights that you now hayo under Pennsylvania law. Howover, you choose 10 exercise your rights described In Ihis notice, you cannol be foreclosed upon while you are receiving Ihat as';islancl Very truly yours, <....... The Pennsylya ,; .' ~BIT HE.... Roy' !liS5 I -4-- . AE: Accounl No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 10055923 ____ Dalo: 8/18/97 TO: FAOM: Jane M JoneS3O\la9ilerorrve farmers I rusn:of4fs-RffiYifrHwyl:arTlsre;--Pii17013 You may ba eligible lor Ilnanclll aaalstsnce thst will prevsnt loreclosure on your mortgage II you comply with the provlllonl olthe Homeownera' Emergency Mortgege Aselstance Acl 011983 (th. "Acl"), You may be allglblelor emergency temporary eaalstanr.e II your delault has been caused by clrcumslencel beyond your control, you hsve I re..onlble prolpect 01 reaumlng your morlgege paym.nls, end II YOll maet other eligibility requlrementl sltablllhed by the Pennsylvanle Housing Finance Agsncy, Pleale reed all olthll Nollce, 1\ contains an explonatlon 01 your rights. Under Ihe Acl, you are enlllled 10 a lemporary slay 01 loreclosure on your morlgage for Ihirly (30) days from lhe dale ollhls Nollce. During Ihalllme you musl arrange and attend a "face-Io-Iace' meellng with a represenlallve of Ihls lender, or with a deslgnaled consumer credll counseling agency. The purpose ollhls meellng Is 10 attempl to work oul a repaymenl plan, or 10 otherwise seltle your delinquency. This meellng must occur In Ihe nextlhlrly (30) days. II you allend a lace.to.face meellng with Ihls lender, or wllh a consumer credll counseling agency Idenllfled In Ihls nollce, no lurlher proceeding In morlgage foreclosure may take place lor lhlrly (30) days alter lhe dale of lhis maellng. The name:J~~'/[e~s ~G~~~f~g~ne number of our represenlallve Is: 1415 KItner HWY (,arllsle, pa l/U1J Talephone Number: 11/-;:'1 I-lIb':} Tha we~(s), address(es), and phone numbers 01 (a) designalsd consumer credit counseling agency(les) Is (are): JUl {i Street ~arllsle, pa l/U1J It's only necessary to schsdula one laca-Io-faca meellng. You should advise this lender Immediately 01 your Inlentlonl, Your morlgage Is In defaull because you have lalled 10 pay promptly Inslallments 01 principal and Interesl, as required, lor a period olatleasl olxty (60) days. The total amount of lha delinquency Is $ 832.45 ,That sum Includes Ihe following: Three monthly payments of $286.49 for the months of June, July and August 1997 Your mortgage Is also In delaull lor lhe lollowlng reasons: II you hava tried and are unable to resolve this problem al or alter your face-to-face meellng, you have lhe rlghllo apply for f1nenclalasslstence Irom lhe Homeowners' Emergency Morlgage Assistance Fund. In order to do this, you musl fill oUl, sign and file a completed Homeowners' Emergency Asslslance Appllca:lon wllh one 01 lhe designated consumer credit counseling agencies listed above. An appllcallon for asslslance may only be oblalned from a consumer credll counseling agency. The consumer credit counseling agency will eulst you In filling oul your appllcallon and will submll your compleled appllcallon to the Pennsylvania Housing Finance Agency. Your appllcallon musl be lIIed or poslmarked, within Ihlrty (30) days of your face-Io-face meellng, Ills extremely Important that you ilia your application promptly. /I you do not do so, or If you do rloI fotlow the other time periods set forth In this Ie tier, foreclosure may proceed against your home Immediately. Available funds for emergency morlgage asslslanca are very IImlled. They will be disbursed by the Agency under Ihe ellglbillly crllerla eslabllshed by the Act. Ills exlremely Imporlanllhal your appllcallon be accurale and complele In every respect. The Pennsylvania Housing Finance Agency has slxly (60) days 10 make a decision atler II receives your appllcallon. During Ihat additional lime, no foreclosure proceedings will be pursued agalnsl you If you have mellhe lime requlremenls sel forth above. You will be nolllled dlreclly by Ihat Agency of lis decision on your appllcallon. The Pennsylvania Housing Finance Agency Is localed al 2101 Norlh Fronl Streel, Posl Office Box 15530, Harrl!burg, Pennsylvania 17105. Telephone No. (717) 780.3800 or 1-800-342-2397 (loll free number). Porsons wllh Impaired hearing can call (717) 780.1869. In addition you may receive anolher notice from Ihls lender under Acl 6 01 1974. Thai nolice Is called Ihe "Nollce of Inlentlon 10 Foreclosure". You musl read both notices, since Ihey bolh explain rights lhal you now have under Pennsylvania law. However, If you choose 10 exercise your righls described In Ihls nOllce, you cannol be foreclosed upon while you are receiving Ihal assislance. ")"''':" " ~.I8IT, r~' ,~~~~~ r reachDtl OLL F EE al 1 (800) 342-2397. NU'1lI1I r~ The Pennsylvania Housl I HEMA RlN" Of1J5 FINANCIAL TRUST COMPANY, Plaintiff IN TIfE COURT 010' COMMON PLUS OF CUMBERLAND COUNTY, PENNSYLVANIA \I. CIVIL ACTION - LAW ROBERT J. JONES and JANE M. KELLY-JONES, Derendants IN MORTGAGE FORECLOSURE : CIVIL TERM 1997-6499 AFFIDA VIT OF SF:RVICE William A. Duncan, being first duly sworn according to law, deposes and says that he served the Notice of Sheriffs Sale and Divestiture of Liens in the above-captioned matter by depositing a true and certified copy of same in the United States mail, postage prepaid, return receipt requested (return receipt allatached hereto), on Mllrch 9, 1998 addressed to the following: Financial Trust Company 1405 Ritner Highway Carlisle, PA 17013 )1 Cumberland County Tax Bureau Cumberland County Courthouse Carlisle, PA 17013 Keystone Mortgage Corp. 1415 Ritner Highway carlisle, P A 17013 Nancy Sheibley Tax Collector 3235 Spring Road Carlisle, PA 17013 Nolarlal Seal ;j C thla t. OaH, Nolal v PubIK:: Sou1I1 iX:k'eI\JO T, ..., CUl1Iboifl..," r.OUIlIy My CommiSSion ('xpit.. AlIg 14.?OOIl .--......-..-- I "'" wIIh to rocelVlllha IolIowIng aaMcea (for an extra ...): 1. 0 __'.__ 2. 0 RMlJ1ctad DeI/IIIIy ConIYI1 poolmul8t for .... Nancy Sheibley Tax Collector 3235 Spring Road Carlisle, PA 17013 y: /I r-'<<I 102!1~i"80119 .~.;,. 1 fIVI/OIl for........ ....... := = ~""':o., '" ,..... 01" IDnn to f\eI.. can tltum aNI .==....10.. ton! ot..lftIip6Ioe. or on hi bd. IfI":' doeI nul .e::*'.,...,.,..,.." ~~ J ... on" rnaIp/IIce bIIoIf "-1ltiCII rurbIf. .l1lo_........... 10_ .___ond..._ - I ..eo wtlh 10 rocllVlllha IolIowIng llMeaI (for en extra ...): 1. a Add,_"__ .. 2. 0 RNI/tC1Id DaIIvary III ConeuI1 poo_r for I... I j f JI I J 1 I , . I \ , ~ 10: Kaystone rtortgage Corp c/o Financial Trust Co. 1415 RitMr Highway Carlisle, FA 17013 ATTN: J. Hutchison o CI<1IIad fiijiIHted 102596-91.0-0119 _,c"..""""~"-,-,,,~,,,,~,,,,,,,,,>~"''';''''''~'''.''~''-'>~''~'' 1 i BINDER: ' '".-. . I '~_'_.Ior__. I '~_3."'ond4IJ. i.' I .,..........lndIlddrlllonhf'l'WWlllofWlbrnlOlhII..cenrtl""'... I -...... I .AIIatI..bmta.....of....1nIIIp6ece, Of on.. bIdl. If.... dMI noI ! , .e::*'_,.._......___...__ .l1lo-..........._Io_Iho___od...t...._ . - I III d(jOJ to: I "'" wtah 10 .-.. lha foIIowtng ..Mea. (for III 1m ...): 1,0 Addr_'IAddrne 2. 0 RMlJ1ctad DallvaIy ConIUIl poo_r for lee. e Number Z 33.;1. 4b. S.Mea Type o Reglaterad o EJcpreea Mall o RatumReoai!>Cfor 7. Date DelIvery s. y: (Prlnl Namo) j J rtI1lad J f ~ I 8. -.....'. Addr... (Only /1_1<<1 t and III. peJd) ~ fa. (UmberlSnd County Tax CourtHouse Square arliale, FA 17013 Claims I .. lOZSgs.91.8.o179 1'- Financi~Trust Company 1415 Rit er Highway Carliale. PA 17013 ATTN: J. Hutchiaon o CalIlftad S, AtcalVlId By: (PrInt Namo) B. Add"...a'a Add,," (Only If raquost<<l end III . peJd) lS. .( X V~ . PS Fonn 3811, DecornIlor IIl1l4 ~" Z 332 /147 479 JI I J ~.... - - 332 847 47b P- CcdfitdF" SpI<loI_F.. f\eI....od 00I~ F III _ ~ =6Otll 'i!_RJtI\1l JC OolI.,,,,,-" Z 332 /147 477 CertifiedF.. ""''''''eel on m Alrum ... Whon1&O. 'i! RolJn~ ~llaIJ,,1ll<t 8' TOTAl.Pooi.g,., ~ Poslmai1lorDa1e Z 332 /147 47/1 p""", Cei1lftetJFee SpeOal~.~ee i Ii tIffUf l'i, lH i! , I i -'- . . , I i , ( . , , 1 i;; <'I r-: ~1: C"': .. ..~ lUr? g :"j...r o. ( J__; 8: c,. ~ (I""' I. .__ ..:.:, CJi .''''.:-i . , Cl :, I':) L."" M !.': _J .; G:" (J" . tilj f:~ -,' :1:.: ~ ~~ ~ ~ m :5 1,;' U ( { I I , I , , I ! " I J -- I { ""'- " SHERIFF'S RETURN - REGULAR CASE NOI 1997-06499 P COMMONWEALTH OF PENNSYLVANIAl COUNTY OF CUMBERLAND FINANCIAL TRUST COMPANY VS. JONES ROBERT J ET AL ROBERT L, FINK. SR. , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon JONES ROBERT J the defendant, at 111~100 HOURS, on the ~ day of November 1922 at 30 WAGNER DRIVE CARLISLE. PA 17013 ,CUMBERLAND County, Pennsylvania, by handing to DORIS FAILOR. MOTHER OF DEFT AND PERSON IN CHARGE a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs I Docketing Service Affidavit Surcharge 18.00 3"10 ,00 2.00 SZ3.10 DUNCAN AND OTTO 12109/1997 by ~;t~~~ Sworn and subscribed to before me this q ~ day of J..1.u...... e.. .J 19 97 A.D. " )..~, ~. ~,":. V ro onotary FINANCIAL TRUST COMPANY, Plaintiff : IN THE COURT OJ. COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : CIVIL ACTION - LAW ROBERT J. JONES and JANE M. KELLY-JONES, Defendants : IN MORTGAGE FORECLOSURE . , : CIVIL TERM t997 -&."199 (3",f I~ .... NOTICE YOU HAVE BEEN SUED IN COURT IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBIECTlONS 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 MAYBE 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 DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator, Fourth Floor Cumberland County Courthouse Carlisle, P A 17013 Telephone: (717) 240-6200 In ~=:,. COpy FROM RECORD and the sJ wheteof. I here unto set my hand ~ m- ":.. .... ~" C,_. PI. '- n_. 'fl. 01 ~~. '9 9~ -?...., c;.~ otIlonaIIry ") .. ... . FINANCIAL TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW ROBERT J" JONES and JANE M. KELLY-JONES. Defendants IN MORTGAGE FORECLOSURE ~ CIVIL TERM 1997 COMPLAINT ., 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. 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, Robert 1. Jones, an adult individual, and Defendant, Jane M. Kelly-Jones, an adult individual, are husband and wife, and reside at 30 Wagner Drive, Carlisle, Cumberland County, Pennsylvania, 3 On or about January 30, 1995, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing Twenty-one Thousand Eight Hundred Sixty-six and 77/100 Dollars ($21,86677), 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 note and said real estate mortgage have not been assigned, 5 Robert 1. Jones and Jane M. Kelly-Jones are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated November 9, 1992 and recorded in the Cumberland County Recorder's Office in Deed Book "Z", Volume 35, Page 181, more specifically set forth in E"hibit "e", anached hereto and made a part hereof by reference, 6, Said note and said real estate mortgage are in default because Defendants herein IP have failed to pay the payments that were due and owing for the months of June 1997, July 1997, August 1997, September 1997, October 1997 and November 1997 ~ 7, The Plaintiff has given to the Defenrtants wrinen notice of intention to foreclose on said mortgage as required by law under Act 6, dated August 18, 1997, a copy of which is marked Exhibits "0" and "E", and all ached hereto and made a part hereof by reference, 8, The Plaintiff has given wrinen notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated August 18, 1997, a copy of which is marked ~ ~ t E"hibits "F" and "G". and allached hereto and made a part hereof by reference, 9 By reason of the aforesaid default, the entire principal balance of Nineteen Thousand Five Hundred Seventy-eight and 92/100 ($19,578.92) Dollars, with interest thereon at the rate of 9,75 % per annum computed from June 5, 1997, life insurance rebate and allorney's fees in the amount of Nine Hundred Thirty Eight and 21/100 Dollars ($938,21) are now due and payable 10 1 he uefendants are liable to the Plaintiff for the following on said mortgage loan A. Principal amount and interest due to date S 19,60264 B Insurance Rebate - 961 93 C, Allorney's Collection fee: 938,21 TOT AL S19,57892 ~ i' , 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 Nineteen >r ~ Thousand Five Hundred Seventy-eight and 92/100 ($19,578.92) Dollars together with interest thereon, costs and all other amounts advanced by Plaintiff 't lam A. Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 PROMISSORY NOTE Principal 21 866,n Loan Oat. Maturity Loan No 02-10-2005 Account Inltlala Collateral A.'etlnee.ln lhe 'haded I'" Ira 'or lend.,', usa onl and do not Itmlllhe . IlcabUi 0' Inti document 10 In .dlCular loan Of Itam. Borrower: Robert J. Jon.. Jana M. Kally-Jon.. 30 Wagner Drlva CtlIlIIa, PA 17013 Lender: Film." Trull Comptlly Main Onlca One Will H1g/l SI,"I Call1sla, PA 170U Principal Amount: $21.866.n Interest Rate: 9.750% Date 01 Note: January 30, 1995 PROMISE TO PAY. I proml.. to PlY 10 farm.,. TrUll Company ("'LInd.,"). or ord." In lawful money IJ' thl United 51.lel of Amerlcl, the principal amount 01 Twanly On. Thouoand EIg/l1 Hundred Slxly Six" nl100 DoIII" (Ul,....77), 101lllher wllh Inllrelll lIthe rail 01 '.750'll. par ennum on Iha unpeld prlnclplll bllanca Irom F.bruery 3, 1895, until pIIld In lull, PAYMENT. I will pay Ihl. loan In 120 peymanl. 01 U"." loch paymant. My "rill paymanlla dua Milch 10, 1895, end alllUbllQuanl paymanla ara dua on Iha sema d.y 01 loch monlh I"er th.t. My lInll paymenl Will be duo on F.brull'f 10. 2005, end will be lor all principal Ind allltcru.d Inl"ell not val pIIld. Paym.nlllncluda principal end Inler..l. I will pay Linder II L.nder's addrlss ,hown abo\ll 01 II such othar Plic. II L.ndar may deslgnela In wrlhng. U..... olh<<w1sa agrlld or required by applicable law, p.ymenls will be .pplled 1IB110 .ccrued unplld Inlerest, Ihln 10 prlnclpal, and .ny remaining .mourlllo any unpaid collecllon casls and Ial. charges. PREPAYMENT, I may pay wllhoul p.nally all or a porllon 01 Ihe amounl owed eartler Ih.n Ills due. Eariy peym.nls will nol, unles. .grlld 10 by L.nder In Willing, rllllv. me 01 my obllgallon 10 continua 10 mlk. p.ymenls under the paymenl schedule. Ralhar, IhlY wdI reduca lha principal balance due and ffilY fnullto me making f*w8f paymenls. DEFAUlT. I wdI bl In dalaullll any ollhl loIIoWlng happans: (I) Ilall 10 make any paymenl when due. (b) I brlNlk any promise I ha\ll mada 10 Lend.... << I flU 10 perform prompUy.t the lime and StlIeU)' in the manner provided in lhis Noll or Iny agreement ,elated 10 INs NoI., at In any other agrHment or loan I hava wilh Lender. (c) Any r.preHnlallon 01 ,lalemenl made Of furniShed 10 lender by me 01 on my behalf ts false or rmsieac1lng In any malarial rlopacl. (d) I dIa 01 bocoma Insotvenl, a rlCelvar Is appolnlld '01 eny plrt 01 my proparly, I maka an ussignmenl 101 lha banafit 0' cradilDl1. or any prOCeeding Is comm.nced lither by me Of against me undet any bankruptcy OIln.aMlney laws. Howuvw, my dellh W1I not be an 1\I.nl 0' delault If u . r.suU 0' the death the Indebl.tlness is fully CO\l.red by credit hI. InsUllncl. ea) Any cr.dUor trHti 10 lake any 01 my ptoperty on Ot In which lIndw has a lien or HCurlty Inl.,esl. This Includes a garniShment 0' any 0' my accounls with lendel. (') Any oIlh. .....nls descnbed In IhlS do/auJl socllon occurs wllh respoctlo any guarenlor 01 Ihls Nole. (gl Linder In good tellh deems IIsIII Insocure. LENDER'S RIGHTS. Upon dalaull, L.nder may, after gMng such nolle.s IS required by Ippllclble law, ~alha enllro unpaid principII belanca on IhlS Nola end .1 accrued unpaid Inlaresllmmedlalely due, .nd Ihan I will pay lhal amounl. L.nder may hire or p.y someone 1151 10 hoIp coIIacllhlS Nola " I do 1101 pay. Illso wW PlY L.nd... lhallmounl. ThIs Includes, .ubjecllo Iny UmUs under applicable law, LInder's allornays' '- Ind LInder's legal .xpenses whalhar or nOllhar. Is I Iawsull, Including allorneys'tlls and legal ..pansastor bankruplcy prOCeedings (Including efforts 10 modlry 01 vacall any aulomallc sllY OIlnjuncllon), appeals, .nd any anliclpaled posl-judgmenl collecllon sarvIces. II nol prohiblled by applicable law, I also will PlY any Courl casls. In Iddlllon 10 III other sums prOVIded by law. II Judgmenlls enlered In connocllon wllh INs Nole, Interast wlII conllnUl 10 accrue on IhIs Nol. after Judgment allhe exlsllng Inleresl rela provided 101 In Itus Nola. Thla Nole hat be.n d.llvered 10 Lender end Itcaplod by Lender In Iha CommonW'allh 01 P.nnsylvenll. "'here I. I lowsull. I agrea upon Lander'l requaal 10 submll 10 Ih. ju,ladlcllo/\ 01 Iha court. 01 Cumberlend Counly, th. Commonwaellh 01 Pennsylvlnll. This Nol. ""all be governld by and conslru.d In occordencl With Ihe Iawl 01 Iha Commonweellh 01 P.nnsylvanla. RIGHT OF SETOFF, I granllo LInder a conlroclual possessory security inlerest In, and hereby assign, convey, deJjver, pledge, Ind ~aflller 10 LIndO< al my righi, 11111 Ind Inlereslln and 10, my Iccounls w,lh L.nd... (whIther chocking, sevings, or some olhar accounl), Including Wllhoul imitation II 1CC0unls held jolnlly Wllh someona elsa and all accounts I may open In lha lulure. excluding how._ aU IRA, Keogh, and ~usllCCounls. I lulhorlze L.nder, to Il'Ie exlent plt'mtlted by Ippllcablelaw, 10 charge or saloff all sums owing on IhlS Nole against any and ad such DccounlS, COlLATERAL. Thl1 Note It secur.d by . Mortgage deled January 30, 1995, 10 LInd... on real propeny tocaled In Cumberland Counly, Commonwealth 01 P.nns')'t\l8nll, aU the l8tms and condlllons 0' which .r. hereby IncorpCM'aled Inct made a part 0' this Noll. GENERAL PROVISIONS. L.ndar m.y dalay or lorgo .ntOlclng any ollis rlghls or remedlas undar Ihls Nola wllhoulloslng lham. I and Iny olhar person whO Signs. gUlllnlen 0( Indorsal Inls Nol.. 10 the pllnt allowed by law, wll.... ptesentment, demand 'or payment, protest and nouce of dishonor. Upon .ny changa in Ihelerms 01 Ihjs Nole, and unless olherwlse ..pressly slaled In wnllng, no p.ny who signs INs Nol., whalll<< IS maker, guarlntor, Iccommodabon rMl<~' or endOf58t, shalf ba r&&eased ftom Habdity. AJlsuch plrtNts IgtH lhallender may renow 01 extend (repeatedly and lor any length 0' Uml) Ihts loan, or r."51 any party 01 guaranlot or coUataral; Of Impait, raY 10 realize upon Q( petfecllendil's MCUf11y InIerM' In tl'Mt colllt....I. All such paftles Ilso agree thalleodet may modify this loan withoulthe consent 0' ot noUee to anyone other lhan the party with whom !hi modincaUon ts made. The obHgalions undet ttus Nol. Ir. Joinland several. ThIs means lhallhe wortls '-, "me", and "my" mean each and II 0' lhe plrlOn, stgning below. PRIOR TO SIGNING THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD AU. THE PROVISIONS OF THIS NOTE. I, AND eACH OF US, AGREI! TO THE TERMS OF THE NOTE AliD ACKNOWLEDGE RECEIPT OF A COMPlETED COPY OF THE NOTE, aORROWER: F~~'~'~~:! /~ (SeAL) )C:.~.:.'~ ~~t.. ~a M. Kelly-Jona. - 1'-."'-_;/ _I ~ """'"-=" U$EA PRO, R.g U S. P,I. & lM_ Olf, YII J, "fell"' CFI ProS"'''IC:...lnc. AII1IQrllu.....ed 1'''.020JONIIAJ,LNAU.OVlI EXHIBIT,?',.: -'1r ,...iI I .~..:~ ~~~ RECORDATION REQUESTED BY: Fatmer. TrUI. Company One W"I High Slra.1 Cllllsl., PA 17013 r\\.:~::;; i :"'. .::::ClER PECOi1DER or DEEDS CUI.IO~fiLM::) COUNTY - PA WHEN RECORIJEO MAIL TO: Fllmerl Trust Comptlly On. w..! H1gn SI"el CoIUola, PA 17013 ~95 FEU 10 AI'I 9 27 SEND TAX NOTICES TO: ROber' J, .Ion.. and Jena M, K.lly-Jon.. 30 Wagnar Orlva CIIII.... fA 17013 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS MORTGAGE IS DATED JANUARY 30, 1995, between Robert J, Jonel and Jane M. Kollv-Jonel, owner(l) In lee almple, whoae Iddreal II 30 W.gner DrIve, CarUsle, PA 17013 (relerred to below as "Grentor"); snd Farmera Trust Company, whose addreas II One We at High Street, Carlisle, PA 17013 (relerred to below aa "Lender"i. GRANT OF MORTGAGE. For valUabla conlldarlllon, G'anlor granls. borge/na, IIUS, conv.ya, aasigns, lransferl, ral.aa... conllrma end mOII;.g.. to Linde, all ot aranlor's nOht, Ulle, and Inl.'8,lln and 10 the 'oIlowing described r'll property, logelh., wllh aU existing or SlJblAquenlly "ectad or affixed buildings. Improvements and fixtures; IU streel" lanes, au.ys, pillAgeS, and ways; aN Nsemenls, nohls of way, aU liberties. prtvdeQas. llnements, hereditaments. and appurtenances thereunto belonging 01 anywise mlde appurtenant h"18I1at, and Ihl reversions and remainders with ,upecllh.lto; Id Wiler, Wit., righls. watercourses and dItch nghls (Including slock In uhlllies with dllch or in1gallon nghts); and IU othlf righls, royalUlS, and prottls reJallng 10 thl r811 property, IncludIng wllhoul Iimllallen aU minerals, oil, gas, geolhllmal and ~mll.r mailers. located In Cumberland County, Commonwealth 01 Pennsvlvanla (the "Real Property"): Deed Book 35-2 Page 181 Townahlp: Mlddleaex The Real Property or Its addreaa la commonlv known aa 30 Wogner Drive. Carllale, PA 17013. Gtlnlor presenlly ..slgns 10 LInder aU 01 Grantor's right, 1l1le, and Inleresl In end 10 all laeses otlha Properly end all Ren/. ~om Ihe Prope"y. In IddlUon. GianiOf' glints to Lend.... UnifOlm Commercial Codl secUrlty Inleresl In Ihe Personal Property and Renls. DEFINITIONS. Tha IoIIowtng words shall he.. Ihe 100Iowlng maenlngs when used In Ihls Marlgage. Terms not olhefWlSe defined In Ihls Mor/gage shall have lhe meanings Ittrlbuted te such terms In Ihe Uni'Ofm Commercial Code, An relerences 10 dollar amounls shall mean amounts In I41wful money of lha United Slates 01 A_lea. Ellsllng Indebl.dn.... The words "Exislmg Indebtedness. moan Ihe Indebledness descflbed below in lhe Exlslinu Indebledness secUon or lhis MOIlgage. arlolar. The word .Grantor- means Rober' J. Jones Ind Jane M. Kelty-Jones, The Granlor is the mortgagor undor this MOtlgage. Guarantor. The wOfd -GuaranIOf'- means and includes wlthoul UmltatJon each and aU 0' lhe guaranlOls, surelies. and accommodation parties In connecUon wtlh the Indebledness. Improv.ment.. The WOld 'mprovam.nls. means Ind Includes withoul Iimltallon all exJsllng and future Improvemenls, tb:lures. buildings, structurn. mob... homes affixed on the Real Property, 'Icllllies, addlllons, replacemenls and olher conslruchon on tho Real Property. Indebledn.... The WOfd 'ndebledness. means all princIpal and Inlerest payable under Ihe Note and any amounl!.i expended or advanced by l.ndtllo discharge obllQalJons or Granlor Of expenses Incurred by lender to enforce obligations or Granlor under Ihis MOltgage. tooether with Inlltlesl on luch amounts as provided In this MOttgagl, Linder. Tho WOld ".nder- means FarmsrJ Trusl Compln~'. lis succeSSQfS and assigns. Tm, Lender is the mOltgageo undof thIS Mongaga. Mortgaoe. The WOld "Mortgag.- means INs MOIloags between GranJOf' and lender, and includes without Iimllall.)n 011 assignmenls and MCLully Inlllesl proV1slons relallng to Ihe Personal Property and Renls. Nol.. Tha word "Nol." means Ihl promJ1sory nole or cradl/ agraemenl deled January 30. 1995, In the orlglnol principal amount 01 S21,866.n from G'II,lor 10 Lander, togelher With all renewals or, extensions a', motiificalJons 0', refinancing;; of, consolidations 0', and lubsblullon5 fOllhe promissory nole or agreemen!. PerlOn~ Proptrly. The words "Personal PropertY' mean all equipment, blures, and other articles of personal propUfty now or hereallar owned by GrilliOt, and now Of h6featler aUachld or a'fixed 10 lhe Real Property; together wllh alllccessions, parts. and oddlhons 10. all riplacomenls 01, and d subSlIlullOns 'Of, any of such property; and logelher With aU proceeds (including Without IImllalion aU insuraOCB proceeds and lefunds of prelTuums) "urn any "Ie Of Olher dispo$lllon 0' the Property, Proparry. The wUfd .Proper.., means collectively the Real Ptopef1y and Ihe Personal Properly. Ae" Properly. T~ words "Aeal Property" mean lhe properly,lnterests and righls descflbed abo..... in the "Otant 0' M lr A.I.f.d Docum.nls. The words "Relolled Documenls- mean and Include Without IImi I~r..tnflnls, enwonm.ntal agreemenls. gua,anbes, SecUflty agreements, mOllgages, dee dOCt1ments, whelhar now 01 horeaflef 8ll:ISbng. executed in ccnnactic" wllh tho Indebted nos R.nl.. The word "Renl," means .all present and luturo lents, revanuus, Income, Issues, P'op&rly. 0- secILon, EXHIBIT I~ II agreemonts. loan nls, aQteemenls and hl5 dell'.fld from Ihe MORTGAGE (Continued) Page 2 THIS MORTGAGE, INCLUDING THI! ASSIGNMENT OF RENTS AND THE SECURITY INT/f:REST IN THI! RENTS AND PERSONAl PROPERTY, IS GIVEN TO SECIJRE (II PAYMENT OF THI! INDEBTEDNESS AND (21 PERFORMANCE OF AlL OBliGATIONS OF GRANTOR UNDER THIS MORTGAGe: AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEi<I AND ACCEPTEO ON THI! FOlLOWING TERMS: PAYMENT AND PERFMMANCE. Excepl II olhllWl3I plollldad In INs MOr1gage, Granlor shal pay 10 Landa< aU Imounls SlCUled by Ihis Morigaga l.lhlY become due, and shlW Slrlclly perlorm aU of O'lnlor', obUglllonl under Ihts Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Granlor agt... lhel GranlOl'S possasslon and usa oIlha Proporty shaU be governed by Ihl fotIOWIng ~Ioviliona: Poueulon and lJaI. Until In det.ull, GranlOf' may 'Imaln In pOl1851100 and control of and opel." and manago the Property Ind collecl thl Ranis Irom lha Propany. Duty '0 Maintain. GtlnlOl IhlU maintain Ihl Prop.rly in tenantable condlUon and prompUy perfatm aU rspalrs, rlp/seem,nls, and maJnllnanca noctuary 10 prllSlMllls vllue. HuardOUI Subalanc... The lerms "azardous wasle,- "hazardous sUbslance,. -disposal,. .'MaM,. and 'htealenad uNease: I' u$ld in this Morigogo, shal have lha sama rnaolllngS es sal 10r1h In lha Comprohanslva Enwonmanlal Responsa, ComponseUon, and LIability Acl 01 1980, IS lmanded, 42 U.S.C. Socllon 9601, 01 seq. ("CEACLAi, lha Suporlund Amandmanls Ind Aeaulhorizallon Act 01 19&1, Pub. L. No. 99-499 ("SARA"), lha Hazatdoua Maler1als Transporlallon Acl, 49 U,S.C. Socllon 1801, alseq., Ihe ResoUlce Conservallon ond Roco\l8t'f Act, 49 U.S.C, SocUon 6901, 0' IIq., or 0111<< appllClbla slole 01 Feda<allows, rules, or ragulollons adopted pUl1uenl 10 any oIlha IOIegolng. Tha lerms "hazardoUl Wille. and "hazardous substance" shall alSo Include, wllhout Imllollon, palrolaum ond polrolaum by-producls or ony hcllon lhereol and ISbeslos. Grlnlor repr_nls and werranls 10 L.nder lhal: (a) OUting lha period 01 GronlOl's ownership 01 lha Properly, Iher. has blln no usa, lllneralion, manulaclUlo, slOlag., ~ealmanl. disposal, releasa 01 Ihtealaned '_II 01 any hazardous wasle 01 oubslanca by any person on, under, or Iboullha Properly; (b) Gralllor has no knowledgo 01, 01 r...son 10 bllle\lllhallharo has blln, excepl as previously disclosed 10 and Icknow!edllad by LandO< In wrlllng, (I) ony usa, gen.rlllon, manulaclUl', slOllg., Irealmanl, disposal, relaase, 01 Ihreolened release 01 any hlzardoua wasl. 01 subSllnc. by any prior owners 01 occupanls ollha Proparty or (i) Iny ..lull or Ihrealened illgobon or claims 0/ any kind by any panon relaUng 10 Such mailers; and (c) Excepl as previously dlsclos.d 10 and, "knowledged by Lenda< In wriUng, 01 neilll<< Granlor nOl any Iananl, con~oclor, agenl 01 olher aulhorlzed user 01 lha Properly shaU usa, ,.nerolo, manulaclUle, slOle, ~eal, dispose 01, or releasa Iny hazardous weala or subolanca on, unda<, or aboullhe Propar1y and (II) any such acllVlty shal be conducled In compllenca Wllh II eppllcable ledatal, SIaIB, and local laws, regulallol1l Ind ordinances, Including wilhoullmllallon those laws, ragulallons, ond OId1nances described abO\ll. Gtantor aulhorlzes L.nder Ind liS alllnls 10 onl... upon lha Properiy 10 make such Il1Ipocllona and lesls, 01 GranlOl's oxpense, IS LendO< may deem oppropriale 10 delermlna compllonc. 01 lha Properly wUh Ihls SlCUon 01 the Morigeg.. Any inspacllons OIlesls made by Londa< shal be 101 lander', purposes only and shall not be cunltrued to crelle any r8spon~bibty or HlbiUty on the part 0' Lender to Granlor 01 to any olher person. The repr.sentations end warranties contained herein ar. blSed on Grantor', du. diUgence In investigaUng lhe Property for hazardous wasil. GtantOl hereby (I) relea... and waives any lulure claims agelnll Lenda< lor Indamlllly or con~lbullon In the evenl GronlOl blComes leble tor cl.anup or 0111<< cosls under any such lews, and (b) agrees 10 Indemnify and hold harmllss Linda< against any Ind el claims, losses, iabillUes, dam'Qu. penallies. and Ixpenses wNch Lander may directly or Indirec")' sustain or suflet resulUng tram II breach 0' thts section 0' the Mortgage ot IS . consequence 0' any use, generation. manufacture, slorag., disposal, ,...... 01' Itvea18ned release occurnng prior 10 Grantor's owl\8Bhlp or Inleroslln the Properly, whalher or nollhe sama was or should hall8 boan known 10 GrlnlOl. Tha prOVIsions 01 INs SlCllon 01 IhI Morigege, including the obllgellon 10 Indemnify, shaU SuMve Ihe payment ollha Indeblednass .nd lha saUslacllon and roconveyanca 01 lha lien 01 INs Moriga\illnd shaU nol be aHocl.d by Lender's ocqulsillon 01 any Inlereslln Ih. Properly, whalher by loroclosUle or ol_e. Nulsanc., Wul.. Grlnlor shaD nol cause, conduct or pllmH any nuisance nor commit, perml', Of suiter any sl1ipplng 0' or wISte on Ot (0 lhe Properly or eny porllon 01 the Properly. WUhoul Wmlllng Ilia generauly 01 lha 100egoing, Grenlor WlII nol remove, or gtlnllo ony olher parly the r1ghllo lemOll8, any limber, minerals (InclUding oil end gas), soil, gtavel or rock producls wllhoullhe priOl wnllen consenl 01 Londa<. Romoval ollmprovemenl.. GtanlOl shaU nol de"oIlSh or remova any Improllllmanls ~om Ih. Reel Proporly Wllhoullha prior wrlllen consenl 01 L.nd8l. As. condition 10 the remoyal of any Improvemanls,lender may requite Granlor to maki arrangements sali::.'aclory 10 l..nd8lto r.place such Improvements with Improvemenls 01 all8851 equal va/ue. Lend.,', Righi 10 Enler. Lend8l' Ind lis agenls Ind represenlatives NY 8nllf upon the Real Property al 1M rOQSONbla Umes 10 .lIend to l.nder's Interests and 10 Inspect the Properlv 101 purposes 01 Granlor's complianc. wilh Ihe lerms and conditions 0' Itus Mortgage. Compllanc. wllh Governmenl.1 Requlremenl.. GrlnlOt shaU prompUy comply with as laws, 1t'dlnances, and regula lions, now or herutt... In 'Htel, 0' aU governmental luthOfilies appliCable 10 Ihe usa or occupancy 0' the Property. Grantor may contosl In good 'aith any such law, OIdinanc., or regulaUon Ind wllhhold complianc. during any procaadlno, Including appropriate appeals, so long as Granlor has notified L.nder In wntlng priOl 10 doing 10 and so long IS, In Lendet's 50Mt opinion, lander" InhN'lSts In the Property Ire nol jeopardlzad. llnder may reqUile Grantor 10 poslldequlte security 011 surety bond, reasonably sallsfactory 10 lender, 10 protect l.nder's Interesl. Duty 10 Prolecl. GtantDl' 101"' neither 10 .bandon nor laava unlnended the Property. GranlDl' shall do all olhor lets, in addition 10 those acls SlI fonh above In this section, which from the characler and use 0' the Property ere reasonably necessary 10 protect and preserve the Prope,ly. DUE ON SAlE - CONSENT BY LENDEll, Lender may, alUs oplion, dlClate Immedlalely due ond payable all sums socUled by INs MOItgage upon lha sale 01 transf.r, wtlhout the lander's prior wrillen consent, 01 lit 01' any part 01 the Real Property, Of any Inlerest In Ihe Real Property. A '"ule Of trlnsl.'- means the convey.nce 01 Real Properly or any right. tille 01 Inler8s1 therein; whether legal, beneficlaJ ot equllable; whelhll Voluntary or Involuntary: whether by outright sale, deed, Installmenl sala eonltlcl, land conlrlcl, conlract 'or deed, leasehold InhW8$1 With a term greal. than Itv.. (3) yaars, laase-opllon con~acl, 01 by sale, oSSignment, 01 ~ensler ot any benallcialInlereslIn or 10 Iny Iond lrusl holding UIIa 10 lha Real Properly, or by anv olher method 01 conveyance of Aaal Property Inlerest. It anv Granlor Is a corpOtallon, partnelshlp 01 UmUed llabllity company, transfer also Includes any chlnge In ownership 01 mor.lhan twenty-f1v. perclnt (25'4) of the voting alock, par1ll8lsNp Inl8lesls or Umlted liab"ily complny mtll.ls, IS Ihl cue "liY bl, 0' Grlntor. However, Ihls oplion shtH nol be exercised by llnder il such exercise is proh.bllad by ledeflllD.w or by P.nnsylvania low '. 1')51 313 TAXES AND LIENS, The IoIlowlng prOVISions re,.lIng 10 Ihe Ie.as and hens on Itle Propeily ere 0 perl ollhls MOl1gag~OOK '. fACE PI)'menl, GlanlOl Shall pay when due (and in all events pnOl to delinquency) aU taxes, payrollla)!8S, speciallaxos, assessments, waler chtrg8S Ind saWIN' MrYice charon Ievted against Of' on accounl of the Prop8fty, and shaH pay when due 1M claims for work done on at lor :lllVW::1' rlndared 01 malenal furnished to the Property. GranlOl SI'l.1t mamlain lhe Property Ir.. or III IHtns haVing priority over or Iquallo lhe lnlltes' 01 lend., llnder thIs MOf1glge, excepl for the hen ollax&$ and assessments not due, except lor lhd EXiSting Indebtedness roleHed to be'ow, and IlcepllS olhefWise provided In lhe follOWing paragraph. Right To Conl.st Granlor may wilhhold payment of any lax, assessmenl, 01 claim In connecllon wilh I good laith dispute over Ih. oblioallon to ply, so long as lender's Inlerestln Ihe Prope,ly is noljeopardized. ., a Ii.n Inses or is hied as a result 01 nonpayment. Granlor shad 'Mlhln hUeen (15) days alltlf Ihe hen arises OI,lf a 118n IS Illed, wilhln fItlevn (15) dayS al181 G,anlor 0.5 notice oltha 1.lmg. secure Iho discharge of the lien, or II requeShH1 by Llndor. depOSit wllh Lander cash or a sulficlenl corporale surely bond or olt18f' securlly salrSlaclOfY 10 Ll.lllder 111 an amount sullIC18nl 10 dl$Chol/gO Ihl hen pluS any COslS and allotneys' rees 01 olher charges Ihat could accrue as a result 01 a IOfeclosUfn 0' s.lle undor Ihn hen In MORTGAGE (Continued) Page 3 any conIeS', Gtan(OJ shalf def.nd il\al' and Lender and shalllallSty any Idverw judgment be'0I1 entOfc.ment .Qijn~llhe Propifly. Grantor I"~ nama Landor II an additional Obhgee und6f Iny SUllly bond IUnlsned In Ihe conle,1 plOCMcllngs. Evidence 01 Plym.nt Grantor shaU upon dlmand furnish to lander satisfactory l\Adinee of payment of lh. 14.181 or I$HSsmer:ts and Shill lulhOlI"1 lne appropriate govllnmenlal offiCial 10 deliv8r 10 Lends' at any Ume I WIllian slalemenl at Ih8 laxes Gnd Iswssmenls against IhI Propltly. Notice of Conslrucllon. GtanlOf shalf notify Lander Illelslllttaen (15) days b,fOlI Illy WOlk Is commenced, any MfVk:OS .r.lulntShtd. Olin.,. mllert41ls .,. SuppUed 101M Property, if any moeh.otc',lIen, mal8ftalmen's lten, Q( olher lien could be 8SHrtad on account 0' the WOfk, iGr'\IlC.S, 01 malNlals and Ih. COlt exceeds $5.000.00. Grantor WIU upon raquesl Qf Lender furOlsn 10 Linder advance assurancas sabsfaclory 10 Lender Ihll Glanlor can and wiG pay Ihe cost 0' ~lJCh Improvements. PROPERTY DAMAGE INSURANCE. The 100Iowlng provisions relallng 10 Insur.ng Ihe Properly aro a part ollhls Mortgag.. Mlln1enanc' 01 Ineurance, Granlor shall procure Ind mainlain policies 01 fire Insurance wilh standard extended coverage endorsemenls on a replacement b.~. '0( lhe lulllnSiJrable value covering alllmprovemenls on the Aeal Property In an amount sufficlenllo avotd epplicahon of any coinsurance clause, and Wilh . Ilandard mortgag.. ClaUH in 'avO( 01 Linder. PoUclal shill be Willian bV such Insurance comp.rues Ind In sue" rOfm as may bl realonably acceptable 10 Lander. GranlOt shad CalIVIf' 10 Llndar carMlealat. 0' coverage Irom each Insuler containmg a slipulatlon that cov.,ag. will not b. cancelled or diminished wllhoul. mlnlmum ollen (10) days' priOt wf1l1on noliee 10 Llndef Ind nol conlainiOQ anv djs.cwmer 01 Ihl Insurar's Uability for 'ailurl 10 give such noUe.. Each InsUflnce poley Ilso shan Include In Indorsement providing INI caverlge in fayOf' 0' Linder wit! nol t>1 imp~lred In Iny wlY by any acl, orrus.slon or defaull 0' Grantor or any olh., petson. Shouid lhe R.&t Proper.y al any lime bocome localed In an aree deslgnaled by Iha Dlroclor ollha F.deral Emergency Managemonl AQoncy IS I speelal "ood hazard ...... GraniC)( Igrees 10 obl.J" and maintain Federal Flood Insurance, 10 Ihe ex1enl such insurance Is roquirld by L.nd8f Ind IS Of becomel IYlllabla, lor lhe larm ollha loan and lor Ihe fuU unpeid principal balance 0' lhe loan, Of lhe maximum bmll 0' coverlge lhal is IVlllable. whichever IS less. Application 01 Proc.ed.. Granlor shall promplly nolily L.nder 0' Iny loss or dam.ge 10 lha Properly II lha esllmaled cosl 01 ..pair or lapiacemenl axceeds '500.00. Lender may make prool 01 loss" GranlOf lads 10 do so wdhln 1I11&1n ('5) days 0' Ih. casually. Whelll<< or not Landor'. socurlly is Impaired, Lend., mlY. al 'Is eleclion, apply lha proceeds 10 In. reducllon 01 the Indab.edness, payment 01 any .en affochng the Proparly, or lha resl"'allon and repair ollhe Proparly. II Lender elecls 10 epply Ihe proceeds 10 leslorallon and repair, Granlor shaU repa" 01 'eplaca lhe damaged 01 desl,oyed Imp,ovemenls In a manner satisfactory 10 Lender. Lende, shad, upon satisfaclory proo' 0' such .xplndilurl. pay OIreimburs. Orl"lOI' from the p,oc&8ds forlhe reasonable cosio' repair Of resloralion It Granlor Is nolln delault hefeunder. Any proceeds which have not been disbursed within 180 days aner Ihei, receipt and which Lender has nol commilted to Ihe repair Of' rlstoration of lhe Property shaH be used first to pay any Imount owing to Lender under lhls Mortgage, then 10 prepay accrued Inlertsl. and Ihe ,emainder. i' any, shall bl applied 10 the prtnclpal balaoce 0' the Indebledness. "Lender holds Iny proceeds aner payment in fuN of the tndeblodness, such p10ceedS shaa b. paid 10 Granlor. Une.plred Inaurance al Sale. Any uOlP:~ired insurance shall inure to the beMlil 01, and pass to. Ihe purchaser olllle Pfoperty covered bV this MOflgage al any trullee's sale Of' olher SII, held under lhe prOVIsions 01 this Mortgage, Of at any 'OllClosure sale 0' such Pfoperly. CDmpUence wUh Exlatlng Indebledness, DUling the period In which Iny Existing Indebtedness described below i, In .IIeel. compUance wilh the Insurance provisions contained In Ihe Inslrument evidencing such Existing Indebt9dness shalt conslllule compliance with lhe inSUfance proWsions under tNs Marlgage, to the exlenl compHance wilh the lerms 0' lhls Mortgage would conslllute I dupllCAllon 0' InsUlance requilemenl. I' any procee<Js I,om lhe Insurance become payable on loss, lhe prOVision" In Ihls Mor1gage 10f' division 0' proceeds shall apply only 10 lhal portion 0' lhe proceedS nol payable 10 lhe holder of the Exisling Indebtedness. EXPENDITURES BY LENDER. If GranlOf' 'ailS 10 comply wllh any provision 01 this Morlgage, including any obligation 10 rnuinlain ExlsUno Indebtedness in good standing IS required balow, or il any Icllon or proceeding ts commenced lhal would matenally affect Linder's Inloresls In Ihe Prope,ty, Lender on Gtlnlor's blhall may, but shaU nol be required to, take any Icllon Ihat Lender deems app,opnale. AnV amounllhalllnd81 expends In so doing wiU bll' InlerlSl at Ihe r.ta cha,ged under the Nole from the dale incurrod Of paid by Lender 10 Ihe date 01 repayment by Gldntor. AU such expenses. at Lender's ophon, w.1I (a) be payeble on demand, (b) be added 10 Ihe balance 01 Ine Nole end be appOflloned among and Ce payable Wilh eny InstaUmenl payments 10 become due during ellher (I) Ihe term 0' any appUcable Insurance policy or (II) Ihe remaming lerm Q' lhe Noll, or (e) be Ite.led a~ I balloon paymenl whlch wlU be due and payable al the Nole's malwlly. ThIS Mortgage also Will secure payment 01 these amounls. The nghls provided lor In Ihls plragraph shall be in addition 10 any olher rights or any r1medies 10 WhiCh Lender may be enllllud on account of lhe defaUl1. AnV such acllon bV lenda, shall nol be conslrued 15 curing Ihe delault so as 10 bar Lender from any remedy Ihat II otherwi~e would have had. WARRANTY; DEFENSE OF TiTlE. The following prO\islons relating 10 ownershIp ollhl Property are a part 01 this MortQl1Qe. Tille, Granlor walfanls lhal: (a) Grlnlor holds good and marketable !ille 0' record 10 the Property In 'ee $Imple, lrue and clear 01 all liens and Incumbrances olher than Ihose set forlh in Ihe Aeal Property dascrlplion or In Ihe Exisllng Indebtedness soctlon bolow or in any JiU. in\urance policy,lilie repon, or final tllle opinion Issued in lavC)( aI, and accepted by, Lender in conneclion wllh this Mor1gage, und (b) Grantor has Ihe fuD righl. power. and aulhority to execute and d~iver this Mortgage 10 Lender. O,'ense 01 TIUe. Subject to the excepllon In lhe pwrlgraph above, Oranlot wIrranls and WIU 'Ofe\;'6f de'end Ihe bUo to the P'operty againstlhe lawful cteiml 0' ell persons. In Ihe evenl Iny BcUon or proceeding Is commenced Ihat quesUons GranlOf"S btle or the Interesl 01 Lendet under Ihis MOf'tgage. Granlor shall delend lhe action .1 Granlor's expense. Grantor may be the nOnUnal party in such procueding, but Lender shAll be .ntilled 10 participalel" lhe proceeding and 10 ba represented In the ploceeding by counsel of Lender's own Choice, and Granlor W\II dell....... Of' CIUsa 10 be delivered, 10 Lender such instruments IS Lender mey roquesllrom lime 10 time to lJermlt such paflicipatlor.. Compl~nc. Wllh LIWI. Granlor warrants Ihat the Property and Granlor's use 0' lhe Property complies Wllh uU existing applicable laws. ordinances. and regulations 0' governmental aulhorll18S. EXISTING INDEBTEDNESS. The 'ollowlng provisions concerning oX1sling indebtedness (lhe'Exblhlg Indebledness") are 0 part of thIS Mortgage. EIIsllng Lien. The lien 01 thiS Mortgage securing Ihe Indebledness may be J8Condary and Inlorler 10 an exJsllng lien. Granlor expressly covtlnants and Igrees 10 pay. or see 10 the payment 01. the E,'(jslIng Indebtedness and 10 prevenl any delaull on such Indebledness, Iny defaUlt under the Instrumenls evidencing such Indobledness, or Iny defaull under any seculllV documenls ror such lndebledooss. Oe'aull. If the paymenl 01 any Inslallment of principal or an)' inler9st on the EXIsting Indebledn8$S Is nol made within Ihe limo required by the nole Ivldenclng such Indebledness. or Should a default occur under lhe Inslrument securing such indebledness and nol be cUled during Iny Ipphcable grace period lherein. then, 8tth, oplton 01 Lender, the Indebtedness secured bV thiS Mortgage shall bocome Immediately due and plyabHt, and this Mortgage shall be in defautl. No ModlnceUon. Grenlor shall nol enler Inlo any agroement wllh Ihe holde' of any mortgage or olhor sacurily agreement \IInich has pflOllty over Ihis MOflgage by which Ihal agreement is lrodillod, amended, extended, or renowed wlthoullhe pncr wfll!'l1n consonl of Lender. Grantor shall neither ruquesl nor accept any luturo advances under any sucl1 secunly agreement wllhoutlhe pllor wnllen consenl 01 Lender. fw1:)~1 .,r .11.1 MORTGAGE (Continued) Page 4 - CONOEMNA TlON. The following ))fovtslons relating 10 condemnalion of the P'O~/lre . part of this MOltgage. AppllcaUon of Net Procled.. If all or any part 01 the Propertv Is condemned by .mlnent domain proceedings 0( by any proceeding or purchasa In lieu 0' condYmnallon, Lender may allls olectlon requila lhat a~ or any portion ollhe nel proceeds 0' the award U. IppikJd.lo th, Indebtedness 01' the repair or (aslerallo" of the Property. The nel procaeds 01 the award shaY mean lhe award alter paymenl of ulJ actual costs, expenses. and aUOIneys' lees Incurred by lender In connecllOf'l wllh lhe condemnation. Proceedlngl, II Iny proceeding In condemnallon IS filed, Granlor sheU p'omplly nObly Lend., In wnllng, Ind GJanlor shall promplly lake such slep. os mey ba nocesSlry 10 delend Ihe acllan and oblaln Ihe Iward. GJanlor may be IhI nomlnll plrty In such p,oceedlng, bul Lender shill be anbll"d 10 pa"lcipale In lha proceeding Ind 10 be rlproser.led in Ihe prOCeeding by counsel 01 lis own choice, Ind Granlor w1lI deliver ar cause 10 ba deUvered 10 Linder such Inslrumenls os mey be requesled by II ~om lime 10 bma 10 pl(mll sucn par1lClpallon. IMPOSITION OF TAXES. FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The loIJowlng p,ovlslons 'elallng 10 governmenlal taxes, lees Ind charg.. "'e I plrt 01 Ihls Morlglge: Curranl T..... Fee. and CharlllL Upon requesl by Lender, Grenlor shall execule such documenlS in Iddlllon to Ihls Morlgege Ind Ieke whaleVl( 0111<< acllon Is rlquesled by Lender 10 per1eel and conllnue linder's lien on the Real Proplrty. Grlnlor shall ralmbUfSe Lender lor III taxas. I' descnb.d balow, tOO8lher W!th aU .xpenses Incurred In recOldlng, perlecllng Of continuing thi, Mortgag., IncludlnQ Wllhout ijmllaUon all taxes, laes, documanllry slamps, and alher charges 101 rocordlng or reglslerlng IhlS Morlgage. T..II. Th. IoIJowlng shall conslilule lues 10 WhiCh Ihls seehon epplles: (I) I spoclllc lax upon Ihls type 01 t.l",tgnge or upon all 01 Iny pa" ot the Inrlebledness StICUltd by thi, MoOgag.; (b) a SP8CIRc tax or. ar.nlOf' which Grantor Is lulhorized Of required 10 deduct from pavmenls on the Indebledness _u'ed by Ihls type 01 t.lorlgage; (c) a tax on Ihls type 0/ Morlglge charg.able agalnsllne L.nder 01 lha holder of lha Nole; and (d) I splCllIc tax on III 01 ony ponlon 01 Ihe Indeblednes. or on paymenlJ 01 principii and Inleresl made by Grlntor. Suboequenl T...., II Iny tax 10 which Ihls secllon epplles Is enlcled subsaquenllo lha dale 01 Ihl. t.lorlgege, Ihis '\IInl shaU na"" lha sam. effecl os an E\IInl 01 Dellull ,as de"ned below), Ind LendO( mlY "erel.. Iny or aU 01 liS avallabla remedies tor an Evenl 01 De/lull as provided below unles. Grantor allher (I) PIYS lha lax bel"'e II bocomes dellnquenl, ar (b) conlests Ihllax a. provided abo\llln the Texas and Liens _lion and depoSlIs wllh Lender clsh 01 I sutllclenl corpOlate surely bond 01 olher seeurily sells/aclory 10 Lende,. SECURITY AGREEMENT, FINANCING STATEMENTS, Thl toUowlng provisions relallng 10 IhIs Mongelli as a securlly Igraemenl Ire I plri ollhls Morlglge. Security AgrHmlnt. This Instrument shan constilule I security agreemenl to the extenl any of the Property constitules ftxtures or othBf personal propllfly, and Lender shall heve III ollhe !ighls oil securad perty under tha Unllorm Commercle' Coda os Imended ~om time 10 lima. S.cuniy Inler..', Upon requesl by Lender, Grenlor shaU ueeule "nenclng slelemanls and taka whalaver other acllon Is requesl.d by Lendor 10 par/eel and conllnue Lender's socunty Inle'eslln lhe Renls Ind Personal Ptoperiy. In addlllon 10 rocordlng Ihls Morlgage In the real properiy recorCh, l.nder may, al any lime and wilhaut 'urih., aulhonzaUon 'rom GranlOl', fife executed counlerparts, copies Q( reproductions of !tUI Mortgllge IS . finlncing slatement. Grantor shan reimburse llnder for all IJIpenses Incurred In perlecUng or continuing lhis S8Cullty Interest. Upon delautt, Gunlor shall.ssemble the Personal froperty In . manner Ind at. place rusonably convenkmllo GrantOl and Lendlf and make it Ivaliable 10 Lander ~i1hln thl" (3) days allar recelpl of written demand from lendel. Addr....L The milling addresses 01 Glanlor (debIOl) and Lende, (socUled pam), ~om which Intormallon concerning the SlCurily Inleresl granled by IhIs Mongeg. mey be oblllned (eech as required by lha Unllorm Commatclal Code), Ire IS slaled on lha "ral pege 01 this Morlgege. FURTHER ASSURANCES, ATTORNEY-IN-FACT, Thl tollowlng provisions relallng to IUllhl( assurances Ind all",ney-In-/acl Ire I par1 01 Ihls Marlgag., Further Auurenee.. At a,y lime, and f'om lima 10 lima, upon requesl 01 Lender, Grantor will meke, exeeule and deliver, or will couse 10 be mede, exocuted or delivered, 10 Lender or 10 Lendor's designee, and whan requesled by Lander, cause to be "led, 'ecorded, "IiIed, 01 'I(ecordod, II IhI case mal ba, el such limes and In such oltlces Ind places as Lender may deem Ippropriele, eny and IU such morlglges, deeds 01 ltusl, security deeds. security agreements, financing statements, conllnulllon slatemenls, Instruments 01 fur1her assurance, certificates. and olher documanls os may, In tha sole opinion 01 Land." b. natilSsary ar doWlble In order 10 ellscluele, complele, perleel, conllnue, or pr....... (e) lha obllgallons 01 Granlor unde' lha Nola, Ihls t.lorigege, and lha Reteled Documenls, and (b) 100 liens and secuflly Interesls created by IhiS Mortgage on th41 Ploperty, whether now own.d 01 h8flaftet acquired by GranlDl. Unless plohiblled by law or Igreed 10 the conlfary by Lender In W1'ltlng. Grantor shaU reimburse lender lor IU costs and expe0$8S incurred In connection with the mailers "'erred to In Ihis parlgreph. Allornev,,'n-Facl. II Granlor faUs to do Iny 01 Ihl Ihings relerred 10 In the preceding paragraph, lender may do so 101 and In the name 01 GlintOf' Ind at Glanlor's expense. FOt such purposes, Granlor hereby Irr.vocably Ippoints Lender as Granlot's allomey-in-facl ror the purpose or meklng, execulhlQ, deliv8tjng. 'iUng, recording, and doing aU other lhlngs as may b. necessary or desirable, In Lender's soJa opinion, 10 Iccompltsh the mailers ra'erred 10 1M the proceding paragraph. FUlJ. PERFORMANCE. II Granlor Plys aK Ine Indebledness when due, end olherwlsl pe"OIms eU tha obllglUons Imposed upon Gtanlor undor Ihls MOItoag8, Linder ahaH lXecute and deliver 10 Granlot a suitable salis'actlon 01 lhls Mor1gage and suitable statemenls of termmaUon or any financing stat,monl on IiIe evidencing lander's secUrity inlerestln the Aids and the P"sonal Property. Granlor wUl ply, if permuted by applicable law, any reaSONlble lelmlnatlon fee as determined by lender trom Urn. 10 lime. DEF AUl T. Eech 0/ Ihe foUowlng, II Ine oplion of Lender, shall conslllute an evenl 01 dellull ("Evenl 01 Oeleulr) under this t.lorigege; DelauU on Indebledne... Failure 0' Granlor 10 makelny paymonl when due on lhe Indebledness. nerauU on Olher Payments. Failure of Grantor WIthin Ih. Ume required by Ihis Mortgage 10 make any paymenl 'or taxes Of" insurance, Q( any olher payment necessary 10 prevent IWng or or 10 effect r1ischarge or any Usn. Compliance 0.f8UII. Failure 10 comply wllh any olher lerm, obligahon, covenant or condition conlained In lhis MortgB08, Ihe Note or In any of the Related Documents. false Slalemenls. Any warranty. representallon or slatemenl made Of furnished 10 landtr by or on behalf of Grantor under lhis Mortgage, Ihe Nole OIlhl Rotafed Documents IS lal$e or misleading in any malorlal respecl, either now or al the Ume madlll or rurOlshOd. Dellh or Inaolvency. The dlllh at G,anlor, lha InSolvency 01 Granlor, lha apPolnlment 0/ e recaivet lor Iny perl of Glanlor's properly, Iny Is~nmonl for the benefit 01 credilOls, any Iype of credllor workoul, Of lhe commencam.nl of any proceeding undor I/lY bankruptcy 01 in'~V8ncy laws by 01 ag.insl GranlOl. However, the death 01 any GrenlOl wlU nol be an Evant 01 Oelautl It 8S . r.sull 01 the dealh of Granlor Ihe Indebledness is luUy co.....red by credllllle Insurance. foreclosure, Forfeiture, ele. Commencement ollOfeclosure or 'orfollure proceedings, whelher by JUdICial proceeding, self-help, repossesSIon or any olhot' method. by any Crodllor of Grantor or by any go\.'ernmonlat agency 8galOsl any 01 Ihe Property. However. lhl!'> subsectIon sha!1 not apply -... . rt" 4 At,. t rl if MORTGAGE (Continued) Pege 5 In lhe .~nt 01. good 'aJlh ~sput. by GtanlOl IS 10 lhe validity Ol reasonableness 0' the clAim whICh t5 the baSts 01 the forecloSUlI Of la.,.lurl proc..d1no. provided Ih.al Grantor gives lender wlIlI.n notice of such cl&lm Ind IUlnlshes l858rves Of I sUlety bond (Oi the clAim sabslactory 10 L.nder . Bttach 0' Other AWI.m.nl. Any breach by Grantor under the 18fms of any olhat agreement batween GlanlOl and LInder lhil il nol remedied 'A'ilhln any glace p...lod prolltded thetaln, IncludIng wllhoullimllaUon any agreement cOf1C8lNng Iny Indebtedness or other ooUgallon 01 Grantor 10 Landt.r, wh.lhef existing now or lalar. I!.xllUng Ind.btedn.... A de'aulllhl" OCCUl undel any Existing lndebledness 0( under any Instrument on the Propttfty securlllQ any EX1sllng I"debt'dneu, or commencamenl 0' any lull or olhar Icllon 10 lOl'lCl051 any ~lIng lien on the Property. Evant. Atttelln" Guaranlor. Any 0' lhe preceding .venls occur, wllh respect 10 any Guarantor 0' any 0' the lndebledneftl or such OuaranlOl diet 01 becomes Incompetenl. .n_urlly. Lander In good lallh dllms Ilse1llnsaculI. RIGHTS AND REMEDIES ON DEFALLT. Uportlhe occurrence 0' any Evenl of Deleulland allny Ilmalher..1I81',lendfll', It il$ oplion, may IXef'cisl any Oltl 01 mOf8 oIlhe loIowlng rlghls and remedies, In Idditlon to any olhet rights 01 ramedl" provided by law: AccOlaral. Indlbledna... Subjecl 10 applicable law, Lander shen have lha r1ght al lis opllon wllhoul nollee 10 Gtanlor 10 datlall lha anlJte Indeblednesslmmedlalely due Ind payable. UCC RamedlaL Wllh rospocllo en or any pa" of lha Personal Property, Lend'" shall heve en Ihe rlghls and remedies 0' I socUlad perly under IhI Uni'Ofm Commercial Code. Collecl Rania. Lind'" shall have lha righi, wllhoul nollce 10 Grenlor, 10 lake possession ollha Properiy and collecllha Rants, including amoun's pas, due and unpaid. and apply lha nel proceeds, over and ebove Lender's cosls, agalnsllha Indebtedness. In 'urtheranc. oItlus righi, Lander may reqult. any lananl Of olher user 0' Ihe Properly 10 make payments 01 renl or use IllS dlreclly 10 Linder. Illha nlnls ara collecled by Lander, lhen GranlOf' irrevocably designates Lind... 3S Gtanlor'l attorney-In-Iacl 10 endorse Insltuments recEMved In paymenl lhereo' In lhe name 0' Granlor and 10 negotlate thl lame and conecllhe proceeds. Paymenls by tenanls or other usars 10 Lender In response 10 ll",~ar'l demand shad sallsly Ih. oblgallons for which Iha paymenls Ire made, whelher or 001 any prop81 grounds lor Iha demend exlsled. Lando< may _clsa Its r1ghls under INo oubparegraph e1lher In person, byagenl, or Ihrough a rocalvar. Appoint Rlcalvar, Lender shall havelha r1ghllo have a receiver appolnled 10 lake possession 0' an 01 eny pa~ 01 Ilia Properly, wllh lha power 10 prolecl Ino prtlS8f\lllhe Properly, 10 opere'elhe Properly precadlng foreclosura or sale, and 10 colloclthe Renls Itom the Properly and "",ply lhe proceeds. over and above Ihl cost 01 Ihe recelY8r1hlp. against lhe Indeblednes. The ree.tver rNY SllYI WIlhoul bond if pIl'n\lUed by IIiw. Lender's r1ghl 10 lhe appolnlmanl 01 a rec_ shall exlsl whelher or no' lhe apparanl value 01 thl Properly exceeds the Indebtedness by a ,ubslanUal amount Employmenl by Lender shall nol disqualify I paBon from sef'Vlng IS I flleelver. Judlel" Foreclosure. Lender may obtain .lud~1aI decr" rorecloslng GrsnlOl's Inlereslln aU or any plrl or 11'\8 Proporty. NonJudlclaf Sale. II permilled by epp!lcablelaw. Lender may fOlsclose Granlor's Inlelest In all or In any pa,1 altha Personal Proper1y OIlhe Real PrOP"'y by nonjud1clel sale. Dallclency Judgment. Lender mey oblaln a judgmenl lor any derICl8ncy remaining In Ihe 'ndebledness due 10 Lender allar appllcabon 01 all Imounls rocelved kom Ihe ..erclse ollhe righls prOVIded In Ihls soclion. Tenancv el Su"e,ance. II Grenlor remelns In possesSIon 01 Ihe Prope"y all", lha Properly Is sold as proVIded above or L.nder otherwise becomes anblled 10 possession ollha Properiy upon deleull 01 Granlor, Grenlor shall become a Iananl al sullerance 01 Lander or Ihe purchaser 01 IIwI Properly and shell, al Lender's opllon, ..'her (a) puy a reasoneble renlaltor tha use otlha P,operly, or (b) vacala the Properly Immadlaloly upon Ihe demand 01 Lender. Olher Remedl... Lender shaD have all olher rlghls Ind remedies provided In this MOltgage or the Nole or available allaw or in equity. Sele 01 the Proparly, To lha exlenl permllled by applicable lew, GtanlOl hereby weives any and all nghllo heve lha propar1y marshalled. In exercisJng III rights and ,emedie., L8nd81 shall be free 10 sell aU 01 any part 0' lhe Property logell'\er or soparaletv, in one sale Q( by sepl,ate IlleS. Lender shall be ."tided to bid al any public sale on aU or Iny pOltlon 0ltl'\8 Property. Nollce 01 SIll. Linder shall gl.... Granlot reasonable notlee of Il'\e lime and place 01 any public sale 01 lhe Personal Propefty Of' 01 the lime a"" which any p,lvale Ilia or olher Inlended dlspO$iIlon 0' the Personal Property is to be made. Unless otherwIse required by apptk:abkl IIiw, reasonable nolice shall mean nolles given at leasll,n (10) days belorelhe lima ollhs sale or d"pOSlllon. Walver; Seellon 01 Remedies. A waiver by any party 0' I breach 01 a provision 0' this Mortgage shaN nol consblule I wlivet 0' Q( ptejudb lhe plrty's fights olhelWTse 10 demand slricl compliance .....ilh thai provision Of any other proY1s.ion. Election by Lend., to pun,ua Iny rllT*ly Sl'\l_ nol Pdude pursull 0' any olher remedy, and an .Joclion 10 make 811pendilures 01 take aclion 10 perform an obliQaUon of Grantor uncler !his MOI1g.aoe atter failure of GIaniOf' 10 perform shall nolaffeet Lender's nght 10 declare a delaull and exercise 115 remedies undet Ihls Mortglge, AUorney.' fee.; EJpen.... II lender InsUlules any suit or acllon 10 enlorce Iny or Ihe larms 01 this Morlgage, Lendol' shajl be entitled 10 recover such sum as the coun may adjudge reasonable as altomeY" lees atl,lal and on any appeaJ. Whelher or nol any cowl acUon Is Inv~Y8d, I' re...onable IJ:penses Incurred by Lender that In LendBf's opinion ara necessary al any lime for the prolection 0' Its Inlern. OIlhe enlorcemenl of lis righlo shan becoma I pari 01 Ihe Indebledness payable on demand and shall beer Inl8leslltom Ihe dete 01 expanclllura unlll replld allhe rala provided lor In lha Note. Expenses coverad by this paregreph Include, wllhoul IIrrulabon, however subjecllo eny IImlIs undo< appllr.able law, lender's 8110f'ne.,.,' fees and Lende,'s legal expenses whelher or not there Is a laWSUit, lncfudlng Illomeys' lees for bankruptcy ptOCMdJngs (IncJudlrl\l .ffortS 10 modify or vacale any aulomatic slay or injunction), appeals and any anlicipaled Post-Iudgmenl collection sarvIcn. lhe coo of searchJng records, oblainlng 11I18 reporls (including loreclosure repor1s), surveyors' repOlts. and appraisal '881, Ind tide Insurance. 10 lhe atenl per milled by applicable law. Granlot also .....ill pay any court costs. In addillon 10 aU olner sums prOVIded by &aw. NOTICES TO GRANTOR ANO OTHER PARTIES. Unle.. olherwlse prOVIded by appllceble lew, any nollCa under Ihls Mortgalll shal bl In wnUng and IhaH be .ftecllve when actually delivered. or when deposlled with a nalloNlty recognizs1 overnighl courier. Of, If mailed, Il'\aU be dMmed elfecllve when doposlled In lhe United Slales mall IIrst class. regislered mell, postage prepaid, direcled to lhe addresses ~own near the beginning oflhls MOIlgage. AllY party may change ils address fOl notices under this Mortgage by giving forma! wnllen notice to the othel pattiea, apecltyll"g lhallhe purpose 0' Ihe notice Is 10 change the party's ..ddress. All copies or notices of IOfeclasurl irom Ihe holdeJ 0' any Ilen wtuch hIlS prlonty 0...... lhis Mor1gage sh.:lll be senllo Lender's address, KS shown neGr the beginning 01 Ihis Mor1gage. FOf notice pUfpOseS, Granlor agrees 10 keep l.ndef Inlormed al aU limes 01 GranlQ{'s C:JIronl address. i) MISCEllANEOUS PROVISIONS. The lollowlng miscellaneous prOVISions are a pall 01 'hiS Mortgage: bOOK t..5 t rAef 316 Amendmenls. This Mortgage, logelher WIth any Related Documenls, constllutes Ihe cnhre understandinq and agrP'8ll1enl ollhe partlE!!'i <15 10 Ih~ ~ f Il" MORTGAGE Page 6 (Conllnued) -- - - ma""" ..I ""Ih In lhis MOIlgage. No IlIlIallon 01 Of am.ndmonl 10 IhIs Mongag. shall b. .ffoellv. unl.ss glvon In wrlUng and slQned by Ih. pa/Iy Of pa/lles 'oughllo b. chI/gad 01 bound by lha allOflllon or lmendmenl. AppllcalN Low. Thll ltotlgalll ha. ba.n dallvarld 10 Land.r and acc.pl.d by Lender In Ih. Commonw.allh 01 P.nnaylvanll. Thla Mo'llj4Ige all... be JIOverned by and con.lru.d In occordencl wllh th. lowI 01 Ih. Commonw.allh 01 Penneylvanla. Caption 'leldtnga. Capllon hoadlng, In Ihls MOIlgag. II. for convenl.nca purposes only .nd .r. not 10 be us.d 10 Inlerpr.1 or dolln. lha pt""'""", oIlhIa MllOlQaga. lIerget, TII<<' 'hel be no _gll 01 Iha Inlll.st 01 .slal. c,aal.d by Ihl, Mongelli wllh .ny 01""' Inleresl Of esl.1a In the Properly al any 11m. IItId by Of IOf the baneh. 01 Lander In any cap.Clly, wllhoulllla wrlltan consonl 01 L.nd..., MuIU.... ~lIlI.I, All obllgallona 01 GrlnlOl under IhIs Mor1gag. shall be join' .nd sovlI.I, and .U r.'II.oc" 10 Gr.nlor shaH me8n aach Ind ....., Grln'Of Thle mesna IhallllOh 01 the parsons signing below Is r..pollSlbla lor III obllgallons In Ihls Mor1g.ge. levl/ablllty. II. COUl. 01 compallnl JUfl1dlcllon nnda Iny prO'Mlon 01 IhIs MorIgag. 10 bl Inv.lld or unenlorcoabla IS 10 any p....on or clIoumlllnC4I, luch Indtng ,hall nol lender thaI provillon Invalid 01' unenfOfC4NlbSe u to any ouler persons 01 circumstances. I' f8a~ble. any such oIIandlng "",vlslon shaU b. deemad 10 bl modllled 10 bl wllhln lha Umlta 01 .nlorce.bUIIy or validity; how.v.r, Illhe offondlng proV1Slon cannol ba so modlllad, naha. be sllo:k.n .nd aU olher provisions ollhls Mong.g. In aU olher respoels sh.1I r.maln v.lld and .nforceable. 'ucCla~.. and ASoIllIIa. Subjacllo the Hmll.llons sl.l.d In this MorIgag. on lIanslll of GranlOl's Inl81esl. Ihls MO"gago shall be binding upon and In",. 10 Ilia banehl 01 the pI/lias, lhalr haltI, paf10nal r.pr.sonlall_, successors and .sslgns. II own....hlp 01 Ih. Properly bocomas v.sl.d In. p."on oIher INn GtlnlOl, Lendtl. wdhout nolle. 10 Granlor, may deal with Grantor's successors wilh reference 10 lhis Mortgage and lhe Indablad....... by way 01 tOlbearane. or .xt.nslon wllhoul 'eIea$lng Gr.nlor Irom lha obllg.llons 01 Ihl' Mor1gage or llablfily under lhe Indalllad....... TInle I. 0I1IIe I_ne.. TIme Is 01 lha ....ne.ln Ih. perlormenca 01 Ihls Mongage. Wain" end CO"lInll, LandO< aha' nol b. deemad 10 heve waived .ny rights undO< Ihl, Mor1g.ge (or under I"" Relel.d Documental unless SiJClh WlivIt II In WIlling and ligned by L.ndO<, No deI.y or omlsalon on the pa" 01 Lander In exercising any righl shall op....I. IS I walv.r 01 such l'IIhl Uf any 0111<< Ilgh'. A walv... by any parly ot I provision oflhls Mong.g. shall nol conslllul. I waiver 01 or pr.judlce Iha part;'s righl oIharWlllln derNnd aU1e1 compllanc. Wllh lhal provision or Iny olher provision. No prior w.lver by L.nder, nor any course 01 deaHng b.tween L.ndO< and Granlor, shaU consl,'ula a wII_ 01 Iny 01 L.nd.r's righls or any 01 Granlor's obllg.llons .s 10 .ny lulUfa U.nsacllons. Whanever consanl by L.ndlt " leqUired In Ihll MOIlgag., Iha grenllng 01 such consonl by L.nder In any Inslanca sheU nol constilut. conllnulng consenllo aubsaclUlnllnslaOCII wll<<. such consanlls requU.d. J ~! , f , IACH GRANTOR ACKNOWLEDGes HAVING READ ALL THe PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREE3 TO ITS TIRM,. ~ANTO{ I;- ~l ,t?"~ ~ x' "~";.i'_ Jana M. K.I~. ,."."~'.'~I -,--- - -., ISE:ALI d.llv.red In Ih. pru.ncI 01: CERTIFICATE OF RESIDENCE I lI<<oby ""'HIy, lhellhe prOCIII addr... 01 Ilia mong.gee, Film." Tru.1 Company, lI<<e1n Is "' IoIlows: On. W.a' Htg/lIIrHI, Cllllale, ~A 11013 Allcrn.y or Agent fot Mortg.aQl' BOOK 1251 fACE 317 MORTGAGE (Continued) Page 1 INDIVIDUAL ACKNOWLEDGMENT 8TATEOF,~/Lr/~:-r COUNTY OF /~ ~ ~r- ~ rd I )88 I Notarial Seal Penny L. Crawford, Nolary Public North MiddlelOn Twp.. Cumberland County My Commi5Sion E,pires March 16, 1998 /.1e<rber, PIlfV15yIIarIa_of ~nes On IhII day belOlI me, Ihl undatslgned Nolary Publlo, personlliy Ippaarad Rob.rt J. Jone. and Jane ".. Kelly-Jone., 10 m. known 10 be Ihe IndMdualt daSCflbad In and who exaculed tha Morlgage, and acknowledged thellhay signed the Mor1gege as Ihe" tree and volunlary acl Ind deed, lot \h. uses d purp'~" J~~reln menlloned. ~ __ Glvenu "!U141!d,~!' }a1soallhl. deyol .;:; r'(./rJ'rc/ ,IV 95 . .....,..~,\ / / 62cd, t1. ~r? "f //1, BV ~'.'" R'sldlngal'/~}'"/'~r,, .,r c;/., U No~~" 1"ln and IQNhe SI,," 01 Mycornmlulon expire. /Jk.,..; j, /t,. /9t9? . ':...... ,", ".' ".;,... .....: ~ / LASEA: ~ I~ _~ .0 T:M, ,IL. v.. 3.lItc) tliS CFI Pros 'fie... 1M. Allrl!;hI".,...".c1.IP,\.aOJ JONI;::iAJ.LN AIl.OVL! L-~Q.~h...~~t.,;~U'~' .... ~;::'\'li\tlt1l. .." ,', _,.1~1' ~ ',' ~ ~... ',.:,' . ~. .,~",~,,:.~t'~'i1'.' i. '.;'..~~ l\jnJ;;!'~Q~'~ . ...,.~,:.... "'~\ui>d'f17.';fl ....'... .."'"......<~".~'f .' .!",-..c,' ....: . '. -'~." . . '., .~ ~ . "...,...... .. '" .. ""!JJ" '~.,....."~.""". 'J.li."',;r.'-..:__~", -llr, ~1 ...~.-... "wtt............,... -.~. ,.~.:. : . ",.r.t.. ..-f\ ~-:"j~...~ . ~~. -, ~ ,I . "'M\'."":,-. .'.- . oJ' '~,S. , j"' ~.......~~'I.;...,.,., t.:.M-~ 1.,'-0.... , '". 't~-"40;J .~ ,. ;'11, . ,~..~t;~.'~R., ~(':'~' .~ . ... ., llu ..U.....". , .~'".. ~1"~;l1"<.:... I ' . -'.. .."" .' '/!)' ~,',~",:r:-,;' G> \t"t'.",:J,:,~I. .......,~.i...':-f:;... ,!I'I\'.....;::..cr.,l:.......~.,~i'. ._.. '\''\'':';.:' ...r.... ... .. ..""....-,....,_. , 1.' - BOOK 1251 PAce 318 ".... ., of Pennsylvania } 55 .; ..,.:,:1'1 of cumberlandf the recording of De_ . "'(: -\I in the office or . ~., ,~ tf:2f.bBrland counthl a.., " ,'n_odf ~ pag,'O ~ ~. , Boo Vol,- f -..... :. . d 101 offl -..J . - "s my hen < 1 - ,I. -. day 0 .." III PA thll \..00........ , '.t.:.-:.~..:..! ~""""l""""'";'~';''{-''~''''' i\"'f:, . 'l.;,:~. ,'"'il",, 1,-" '<. . - -.-----.-. "._-_._~- _.:..L_.::'~:":._:..:.:.;._~ ..:....-.~:.~- :~.- ';~"i,_. _.....__._..., '<l ;;J t ~ ~ ... u .;.: P' /' . . I, I ... 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'''"A " -, ill .:l:l III p 0:,' (. "\ III :u 4"'.,..1... .~ " ,', ---.. .' .' ....;-..-- . '~..' J . .; ',' . ,I' . . ,- -. . , ::. . I"" " '. , .' , .,.; " PROPl"Ii'T J-' o>'".:JOHN D. KIMMEL VIHAO~ 01' C'IIHJ.ISll, '.$''-''''''''0.." . Af'i:lDlF SIA' TW"', C'VM.Ch~A"') c"', ...ll. .' .. " , . . '. . ~'. . "::. ' , . I" ~.. '" 1'1., .:.... '.' .'" ..-4.... =':-,:: t~~~ . " , " '\., :-.'i~ I ... .'r' . .\' I .' .'1 '. " ..., '- .' ""', " " ,I, '. , . r, '. "'-"- . ~. . . \ ~ I : ,.', ~t '>1:'" GI3100 Pennay v.n,. 55 County of Cumberllnd n'Jcordld In 1M olfloe lor the recording 01 0_ u\S,_ln pnd 10~umb'd!flltj:ounlV~tl. hOllt.c:l.Book Vol~ ~_~ wllnmmv ~,~d~~1 ~Qf1~. 'ftq~ Clrlllll.PA~Y_~ RICOlde NOTICE OF iNTENTION TO FrJR~CLOSE MORJGAGg TO Jane M Jones 30 ~~gner Dr He -tar ISle, PA 17013 D.lle of Notlca 8/18/97 Loan No. --.!..Q9_5.5923 I f you do not cure the default within TH I RTY (301 DAYS, we inrend to exercise our right ro accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off th~ original mortgage in monthly installments, II full payment 01 the amount of default is not made within TH I RTY 130l DAYS, we also intend to insrruct our attorneys to start a lawsuit to foreclose your mortgaged property'. If rhe mortgage is foreclosed your mortgaged property will be sold by the Sheriff ro payoff the mortgage debt. If we refer -lour case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to S50.00, However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even il they are over S50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirrv day period. you will not be required to pay atrorney's fees, We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the defau/r and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying rhe total amount of the unpaid monrhly payments plus any lare or other charges rhen due, as well as che reasonable arrorney's fees and COStS connecred with the foreclosure sale and perform any other require- ments under the. mortf1iJIle. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately uec 1 ':J':JI . A notice of the date of the Sheriff sale will be sent to you belore the sale. Of course, the amount needed to cure the default will increase the 10000ger you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 241-7759 . This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional ri'ghts to help protect your interest in the property. YOU HAVE THE RIGHT TO SE LL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM- STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOS R If you cure the defJ,i1t. the" you are not entitled 10 thiS fight , EXHIBIT I ]'y". TO: , . Robert J Jones 30 WdYlltH Or I Vtl Larlrrie~F~T7013 NOTICE OF INTENTION TO FORECLOSE MORTGAGE O.te 01 Notica __B!18/97 Lo.n No. f0055923 If you do not cure the default within THIRTY (30) DAYS, we intend ro exercise our right to acce/erare the morrgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and '{au may lose the chance to payoff the original mortgage in monthly installments, If full payment of the amount of default is not made within TH I RTY (301 DAYS, we also inrend ro instrucr our atrorneys ro starr a lawsuit to foreclose 'lour mortgaged property, If rhe morrgage is foreclosed your mortgaged property will be sold by rhe Sheriff to payoff the mortgage debt, I f we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you. you will still have to pay the reasonable attorney's lees, actually incurred, up to 550.00, However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over S50.00. Any attorney's lees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default wirhin rhe rhirty day period, you will not be required ro pay arrorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have rhe righr to cure the default and prevent the sale at any time up ro one hour before the Sheriff's foreclosure sale. You may do so by paying the toral amounr of the unpaid monthly payments plus any lare or orher charges rhen due, as well as the reasonable attorney's fees and costs connected wirh the foreclosure sale and perform any other require- ments under thg mor(gage. It is estimated that the earliest date that such a Sheri If's sale could be held would be approximately Dee 1 <J9/ . A notice 01 the date of the Sheriff sale will be sent to you before the sale. 01 course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 241-7759 . This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. II you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING II\<;TITUTlON TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM- STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLO If you cure (he defalllt. the m -. ,_' I~~ I~'~ -./fo _ .-;,-, you are not entitled to thIS right t .. i11 . ~'.::.~J7hl {he sal1le pos/rio s if no default had occurred However, than three times i :ny c~~....- ~ __~ l RE: Accounl No.: . ACTij1 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 10055923 Dale: 8/18/97 TO: FROM: Jane H Jones 30 Wagner Drive ~ armerSTT'ITstCOf HS"llTt"i1-efl1wyrarTI S Ie, pa f70n You may be eligible lor IInanclel aealltanca that will prevant loreclolure on your mortgage II you compl)' with the provlllona 01 the Homeown.rl' Emerg.ncy Morlgege AIIIIlence Act 0' 1983 (Ihe "Act"), You mlY be ellg/blelor emergency temporar)' 1IIIItlnee 11 your delault h.. been cauI.d by clrcumstancas beyond your control, you have I reeaoneble proapect 0' reaumlng your mortgage paymentl, end II you m.st other .lIglblllty requlrementa eatlblllhed by tha Pennaylvan/e Housing Flnenc. Ag.ncy, Pl.... r.ld all 01 this Nollce. It conlalnl .n explanallon 01 your rlghtl. Under Ih. Act, you are enlilled 10 a lemporary slay olloreclosure on your mortgage lor thirty (30) days Irom the date 01 Ihls Notice. During Ihal lime you must srrange and auend a 'Iace.lo-face" meeting wllh a representative of Ihis lender, or wllh a daslgnalad consumer credll counseling agency, The purposa 01 this maeling Is 10 allemptto work out a repayment plan, or 10 olherwlse aeltle your delinquency, This meating must occur in Ihe nexllhirly (30) days. II you alland a lace.lo.face meeting wllh this lender, or with a consumar credit counseling agency Identilled In Ihls notice, no lurther procesdlng In mortgage foraclosure may taka place lor thlrly (30) days alter the dale of Ihis meeting. The name:fa~~e6s aG~~Wf~~~ne number 01 our representative is: 141~ Kitner HWY CarlISle, ~a I/U1J Talaphone Number: IlI-l41-/l~~ The 'Vlll!~(s), addrass(es), snd phone numbers 01 (a) designated consumer credll counseling sgency(les) Is (sre): JUl Ii Street ~arllsle, ~a I/U1J 1111 only nec.llary \0 Ichedule ona laca-Io-Iaca me.tlng. You should advlaa this lender Immadlately 01 your Intentlonl, Your mortgage Is In dafault because you have lalled to pay promptly Installmenls 01 principal snd Inlereal, as required, lor a period olatleast slxly (60) days. The total amounl ollhe delinquency Is $ 832.45 . That sum Includas tha lollowlng: Three monthly payments of $286.49 for the months of June, July and August 1997 Your mortgage Is also In delault lor the lollowlng reasons: " you have tried and ara unsble 10 resolve this problem at or aller your fllce-Io.tace meeting, you have Ihe right 10 apply lor financial asslslance Irom Ihe Homsowners' Emergancy Mortgage Asslslance Fund. In ordor to do Ihls, you musllltl out, sign and lIIe a completed Homeowners' Emergency Assistance Application wllh one of the designated consumer credll counseling agencies listed ebove. An appllcetlon for asslslance may only be obtained Irom a consumer credit counseling agency. The consumer credit counseling agsncy will asslsl you In IIIl1ng oul your appllcalion and will submit your compleled application 10 Ihe Pennsylvania Housing Finance Agancy. Your appllcelion must be lIIed or postmarked, wllhln Ihlrty (30) days of your face.to-face meellng. 1/ is extremety importenl thaI you file your application promptly. /I you do nol do so, or if you do nol IrJllow the other time periods set forth in Ihis leller. foreclosure may proceed against your home Immediately. Available funds for emergency morlgage assistance are very IImiled. They will be disbursed by Ihe Agency under the ellglblllly c,ltarla aslabllshad by lhe Act. Ills exlremely Importanlthat your eppliceUon be accurale and complele In every respect. The Pennaylvanla Housing Finance Agency has slxly (60) days 10 make a decision aller it receives your application, During Ihal addlllonal lime, no foraclosure proceedlnr,s will be pursued agalnsl you II you havp. rnellhe time, ,u" emenl ; c. '. lorlh above. You will ue notllierJ directly by Ihat Agency of liS deciSion on your applicalion. Tha Pennsylvania Housing Finance Agency Is localed al2101 Norlh Front Slreet, Post Ollice Box 15530, Hlllrrlsburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-8()()'342-2397 (loll free :lumber). Persons wllh Impaired hearing can call (717) 780-1869. In Iddillon you may rec.lve another nollce Irom Ihls lender under Act 6 011974. That no lice Is called the "Notice 01 Intention to Foreclosure", You must read IJoth no licea, Ilnce they bolh explain rlghls that you now have unde, Pannsylvanla law, However, " yOU cooole 10 exercise your rights described In this nolica, you cannot be loreclossd upon whlla you are receiving that aSllstance. Very nuly youra, J.~~.~J The Pennsylvania HOllsl Oll F EE at f ( 00) 342-2397. HE"'" R1Iv" It95 Ill=: RE: Accounl No: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS _1Q.Q55~~L________._______. Dale: 8/18/97 . TO: FROM: ~~:~;sJT~~~{~C~~~~~~ft~~~~R~-f~l~lflf~~~a~7~~~13 __.__...., .__..__._1_____.__L_ ____ You may be aUglbla lor IInan~lal a..lstanca that will prevant lorecloaure on your morlglge " you comply with t provlllonl o. tha Homlownera' Emergancy Morlgega Aulatance Act 011983 (the "Aot"). You may be aUglblalonmafga . temporery ..alltanca II your d,'ault h.. b.an cauaed by clrcumatancel bayond your control, you haya a raaaona : prolpact 01 ralumlng your mortgage paymenll, Ind II you m.et other .lIglblllly requlram.ntl aatlbllahed by . . Pannlylvanla Houllng Finance Agency, Pleue raid III olthla Notlca. II contalnl an uplanltlon 01 your rlghtl. . Under Ihe Act, you are enlllled to e tempora,y stay 01 loraclosure on your morlgage lor thirty (30) days lrom the date of t, Nolice. During that time you must arrange and allend a 'Iace.lo-Iace" meeling with a representalive of Ihls lender, or wll deslgneted consumer credll counseling agency. The purpose ollhls maellng Is 10 allempt to work out a repaymanl plan, 0 otherwise sellle your dalinquency. This meeting musl occur in Ihe nexllhirty (30) deys. If you allend a laca.lo.lace meellng with Ihls lender, or wllh a consumer credit counseling egency Identilled In Ihll notlca, further proceeding In morlgage loreclosura may taka place lor thirty (30) days allerlhe date of Ihls meeting. The neme, address ~~d tolellhfne number 01 our rep'esenlative is: Jack v Hutcn son III ner wy ~arllsle, pa 1/G13 Telephone Number: The name(I), address(es), and phone numbars 01 (a) deslgnatad consumer credit counseling agency(lal) la (are): YWCA 301 G Street Carlisle, Pa 17013 Ills only necessary to schadula one lace. to-lace meeting. You should adylse this lender Immediately 01 your Intentiona, YoUI mortgage Is In defaull becausa you have lalled to pay promplly Installm!lnts of principal and Interest, u required, I period of allesslalxly (60) daYI. The tolal amounl of Ihe delinquency Is $ 832.45 . Thai sum Inclu tha following: T hree montly payments of $286.49 for the months of June, July and August 1997 Your mortgage Is also In default lor the following reasons: If you have Irlad and ere unabla 10 resolve this problem at or aller your face.to.face meeting, you have the rlghlto apply linanclaluslstance from thli Homeowners' Emergency Mo'tgage Assislance Fund. In order to do this, you must fill out, sign file a completed Homaowners' Emergency Assistance Appllcelion wllh one ollha deslgnaled consumer credit counseling agen listed above, An application lor assistance may only be obtained Irom a consumer credll counseling egency. The consumer cr counseling agency will assist you In filling out your applicallon and will submit your completad appllcallon 10 Ihe Pennsylv Housing Finance Agency. Your appllcallon must be tiled or postmarked, wllhln thirty (30) days of your lace-to.lace meeting. Ills eKlremely imporll'nl Ihat you file your appllcsl/on prompt/y. If you do not do so, or if you do nollot/ow the a/her lime peri set forth in Ihis leiter, foreclosure may proceed against your home Immedla/ely. Available lunds lor emergency mortgage esslslance are very Iimiled. They will be disbursed by the Agency under Ihe ellgl c,llerla established by Ihe Act, It Is extremely Imporlant Ihal your application be accure" and complete in every respect. The Pennsylvania Housing Fins Agency has slxly (60) days to make a decision aller iI receives your application. During Ihat additional time, no loreclo proceedings Will be pursued egainsl you II you have metlho lime requiremenls seltorth above. You will be noll/led directly by Agency 01 its deciSion on your application. TI,e Pennsylvania Housing Finance Agency is located al ~ 01 North ~".. '. Slreel, Post Ollice Box 15530, Harrisburg, Pennsylv 17105. Telephone No. (717) 780.3800 or '.800.342.2397 (t,)lIlree nun,bH). Persons with impaired hearing can call (717) 780-1 In addillon you may receive anolher nolice Irom Ihis lender under Act 6 of 1974. ThaI notice is called Ihe "Notice ollnlentlo Foreclosure'. You ",usl read bolh notices, since Ihey both explain rillhts Ihat you now have under Pennaylvanla law. Howev you choose 10 exercise your righls descnbed In Ihis nOlice, you cannol be loreclosed upon whila you are receiving Ihal as,Ista Very Iruly yours, - <--.. The Pennsylva HEMA R" 4 9195 Financial Trust Company -vs- Robert J. Jones and Jane Kelly-Jones In the Court of Common Pleas of Cumberland County, Pennsylvania No. 97-6499 Civil Term R. Thomas Kline, Sheriff who being duly sworn according to law, says this writ is returned STAYED. Sheriff's Costs: Docketing Posting Bills Adver tis ing Law Library County Mileage Cert Hied Mail Levy Postpone sale Surcharge Law Journal Patriot News Share of Bills Poundage 30.00 15.00 15.00 .50 1.00 12.40 2.26 15.00 20.00 18.00 312.50 287.70 35.18 15.29 $ 779.83 pd. by atty 8-31-98 Advance costs Sheriff's Costs 1000.00 779.83 220.17 refund to atty 8-31-98 Sworn and Subscribed To Before Me This .)_~d Day of ..rl",CLL';'''<./ ".- . ~ r ,\ - 1998, A.D", l~,.__ (/ )'1t,fi,~ djii; u' ,rothonotary I So answ~~ ~ r'"~t~'~~ R. Thomas Kline, ~~f Byg-j;:,.:. ..lAte Deputy Sheriff Real Estate Deputy 1'.0 LI '. -' 1'1 r; 'j