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IN Tim COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA
CHASE MORTGAGE SERVICES,
INC" A DELA WARE CORPORATION,
C/k/a CHASE MANHATrAN MORTGAGE
CORPORATION,
CIVIL DIVISION
No,:
Plnintiff,
vs,
RICHARD E, CHRISTIE,
DeCendant.
NOTICE TO DEFEND
You have been sued in court. ICyou wish to defend against the claim set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so
the case may proceed without you and ajudgment may be entered against you by the court without
Curther notice for any money claimed in the complaint or for any other claim or relief requested by
the plaintiff. You may lose money or property or other rights important to you, YOU SHOULD
TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU SHOULD NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE PA l70l3
(717) 2493166
....._..--...~,
of Deeds of'Cumberland County on March 23,1995, in Mortguge Book Volume 1255, Page 933.
A true and correct copy of'said Mortgage containing II description of the premises subject to said
Mortguge is marked Exhibit "A", attached hereto und mude a part hereof.
5, Defendant is the record and real owner of the af'oresllid mortgaged premises,
6, Defendant is in default under the (eons of the aforesaid Mortgage and Note for, inter alia,
failure to pay the monthly installments of prineipul and interest when due, Defendant is due for
Muy, 1997 payment.
7, On or about July 5,1997, Defendant was mailed Notices of Homeowner's Emergency
Mortgage Assistance Act of 1983, in compliance with the Homeowner's Emergency Mortgage
Assistance Act, Act 91 of 1983.
8. On or about July 5, 1997, Dcfendant was mailed Notices of Intention to Foreclose
Mortgage in compliance with Act 6 of 1974, 41 P,S, ~IOI, et seq,
9, The amount due and owing Plaintiff by Defendant is as follows:
Principal
Interest through 10/2/97
Late Charges through 10/2/97
Escrow Deficiency
through 10/2/97
Attorney's Fees
Title Search, Foreclosure and
Execution Costs
$88,462.16
$ 3,811.00
$ 207,60
$ 624,95
$ 800,00
$ 1,500.00
TOTAL
$95,405,71
WHEREFORE, Plaintiff dcmunds judgmcnt inmortguge foreclosure for the amount due of
$95,405,71, with interestthercon at the rute of$20,60 pcr dicmlrom Octobcr 2, 1997, and additional
late chargcs, additional rcasonable and actually incurrcd attorneys' fccs, plus costs (including
increases in escrow deficiency) and for forcclosure and sale of the mortgaged premiscs.
GRENEN & B1RS[C, P.C,
BY:
Daniel J, Birsic, suire
Kimbcrly J. Hong, Esquire
Attorneys for Plaintiff
One Gateway Ccnter, Nine West
Pittsburgh, PA 15222
(4[2) 281-7650
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE,
>.....~.........-
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TOOETHEIl WITH .11 lb. Imprav.,...1i oOW Dr bcran" ....Icd on Ih. propttty. ond .1I.......nlO, 'p"",lIlWlcu, and
n.hl.... .ow or I.."..ft" . p.rt .f Ibl proporty, All "plllCO....1I ond .ddlUal1l lb.n .1.0 be ..yortd by ,hi. S"vril}'
h,,''''''''''''' ...1101 lho ro""ol" I. "f'''1I110'.'bl. Saaurily 111II",,,,.,,' atl!ll'Proporty,'
, 90lUlOWER COVEN"'NTS Ibll B_Wlr 1.I.wrony oot.l or Ihn lllil. haoby .....yocland hu lb. rilM 10 mon.....
.".1 one! o.,,,,.y Iho '/09IIIy ond Ih.,II. Propnrty I. u.....mbnd. nOll'C for ..oumll...- of nc:ord, l\amlwlt WI""'''
and will d.f""" l.....uy Ill. 1111. 10 Iho I'roplfly .pin'llll olal.. and .......... aubJlC\ 10 on, alCl,,,.b_ of rICOf'd,
THIS S8C11IUTY INSTI\UMI!NT lomblooe uoll.... ......... ror ..~I .... and """....Iform~. wllb Ullliled
."loU... by Jvrlllliotloclto _UNIIO cnlro,," IlCUrilY InoInl....,...trl.. roal p-",
UNIFORM COVENANTI, lIomMor lad L-lor......., and ..,.. II fonowlI
J, ~ ot Pllndpol and InU,..q 1'npa1l111l11 aad LIte CIIIrpI. BollllWlr oboIl proalPCly poy w111ft dllO Iho
prlna/pol of..d 101....1... Ihn dcbl .vldJ~cod by lb. NOlO and Il1Y p..,.,..1 and w. cJw10I dill vn<!<< 11I1 NOlI.
:a. Fllndl fill Till. ..d IllIUrIIlCl. SvlU'" 10 .rr!lcabll 1110 or 10 . wrlnoa waiVlt by........ Bonowot IIlaII ply '0
IAndIt 0Cl1ho daylllOCllloly poyallllll.... duo IlOdor Iho NOlI. ...UI ... NOl.I. paid In roll, I oum ('PundI') fori (0) ,..,ty....
'Dd __II w11leb ""ylll.ln priorill over IblJ SIo\Iril, 1001_ .. I 111ft ... Illo PropI<\)Il (b) yearly louohaJd ply....1I
or .round ....1o...1Ilo I'R>poItY. If 101110) ,..riy b.1IJ1I Or plOJ*l1 """"- pnmI_1 (II) yoart, ftoad 1.....- proml....,
If InYI (0) ,...Iy mortl'.o illlU..n~ p..miu..., If onYI ..d (/) ony .u.... p.y.ble by Borrower 10 Lcllillt, in ....nIon.. wilb
Ihn provlol.... of pon...ph I, In II... of Ihn poY.....,.f monlll.' l....tlIlCI p"",,VJIII, n- 11t....ra ..1Ia! '_IIonII,'
IAndot lillY, II 1ft, rlmn, oollocl and !>lld PIIlIll. Ia on .-.. nolI. ucoocl .ho OlIllroum II1IOWlI I 11lI..... fot . r,,"y
"Ioted _.... loon II1IY "'lvl.. ror e._'1 oocrow "..unl Wldu lb. ,.,...1 ReaIIlJIoIo SoIIIomonl Procedur.. AcI .1
In4..1IIlIlOdId rrom IiIllIIO limo, 12 U.S.C, Seell.o 2601111"1' (.1\8S'....), vnlw anoIbt. I&w Ihnt oppUMIO Ih.l'uada
Id. I I..... I_I. If 10, Lclsdnr IllIY, ot ll1ylillll. 0011... and bold PlJOcIo In 1II.....oJ 00110"- IJlo - ......1.
LA_ IAIY IIIllmllllllo ......I.f Fv.:II duo OIl Ih. bo.l. .1 cu""", cIaI. .nd _bl. Nlhllll.. .f apcodllvrll or fut...
1!ocrow II.... or oIhorwila In ....nlonoe with .pplIClbllllw.
TIIa Funda 11II11 be hIId I. II iI...lllIll... w'- dojloIllI ... I...rod b, I recllral ""0', lnIIlIIlIIClIlIIll}'. or ..Illy
tlnclolclin. LAn<Iu, If IAAdor I. '""" ...llIIlIullon) 0' In any Pa!1tIl HOIIIlI LotII BtnIr, !.tIId.r .1laI1 .pply lho Pundo I. ply I!lI
_1_ lAndIr...y 001...."" B.rrowor ""r holdl.. lid .ppl,ln. lha Pundo,ll1n..II,....yaia' IIlo _ _nl, or
.' ' II.ril)'l'llIlo _llImI, v.l... LAn~1t 1"1' 9"",,_lnl_ ...Ih' Pund. and Ippllcabl. I.w pormlll J.oocIcr 10 makl""
. ........ H......., LaId., ...y ,oqulro'llorroworlo po,' ...oIlro1 dI.... for 1ft lndopondcol ral_1O III .epenll.. ....,'"
usa! by LAndor In OOMlClion wllh Ibl. I.... anloa .ppllcablt I... "",rid.. ..bawl... U.I.. ... ........., Is ...d. ..
.ppli..bl.llw .oqvitto Inl_ 10 be p.il, ....dor ob.1I DOl be nq.hod 10 p'Y BallOM< ..,I'WIlI'.' ..mini' on the Pund..
Do......' and LcacIor OIly II"" In wril n., howavot, lhall...nool ohall be paid co Ih. I'vnd.. \.onder d1a1l .Iv. 10 Borrower,
wilholll chi'll" ... 1M'" _oli.. o! lho pv.lIo, obowln. crWllI ..., dabll. 10 III. Funell ..., I'" pu~ f.t wlllell ...k
dtbillO 11)1 Puodo ..... IIIIdt. Tho P...d..ra pled.ed .. 1l1d11l0lll1 ....,;" for .11..... JlCvral by Ib1J 5....ri11 loI1l11lll11l~
Ie IIlo I'uodo bold by lAnd.. _ Iba _II ponalllad 10'" bold by .pplicabl. I.w, Lendtr 11II11 ......1 to Boll1lwer
rar aha..- Pun4.ln ....rd.... wI.h, lb. roqul......... of .ppllc.bl.I...., If tho .mounl.f Ibl 'unila bold b, La1du alany
11.,.1.... oufficilOllO pi' III. _:I....w111ll du.. \.ond.r I1lI,OO noliI)' l\amlwu I. wrili." and, ia eucb.... Bo.......r
""II p,y 10 lAnder Ibo oroo"'l na:nIU.., 10 maI<. vp Ibl d.ncl....1. Bo.rower lboll ...k. up lbo d.rICI_11o no moto lhon
twwlw monlbl, pI)'tnentJ, at Lendtt'l It 10 diac..-lIot1.
Upoo poY1lll!l1 I. MI .r .11 ..... ....rtd by Ibi. SOCU,;I, IllIllll...." Landor ,b.1I praDlJlll, ..ro.d 10 B.rrowo. ony
Fund.lltId by Lclldir, II, .ndo. poharo;.b 21, !.tIId.r ,h.lI.cqul.. or 1011 lb. Proptrty, Land." rri.r to Ihl &equldu....r ..I.
.f Iba 'roporI)', IIlaII appIy..y fvnda l'eJd by LoncInr .llho limo .f ocquilillon Dr ..II" a WlWI saa;AOlll>a ..llIIlICIIraI bl
Ibl. Soavril}' IAIl"""""I.
" ...ppliClIloa or 1'1""",11, Uhllll"ljlpUcoblol,w p...1d>. ..d~...I_. oil pay....1I ....iv... byl.ondlt """.. plrqnpho
lond 2 .b.1I ... oppUad: ftnl, I."'y ",opayment char,,, dun vndor lho Noeo; .-ad, 10 .moV.1I pllal>l. """.. pa...ropb 2;
Ihlnl. to iollAOl dun: fourtb. 10 priocipa dllOlond 1..1. 10 .ny III. cha.,.. du. vndorl'" NoC..
., Cballllll L/onI, Borro_ .hnl pay .1Ir.uCl. ..........11, cha'I", r.... ond ImpoailloAo .Ilribvllblo 10 lI>a Praporly
which ...y .1Ia1. p.i.ril}' aver Ibil S",dl}' Il1lllllmonl, and I......old p'Ymll\lIor lround ....., if lilY, Bono_1b1l1 poy
Ih... obllplioGlla Ihn........ provided I. p.......pb 2. or IIn.1 paid In IIlaI _. Bonowtrdlall pl11Mm 0011... dlracliy
10 Ihn perlo, owod p'Y""I. Botra_.h.1I pltllnplly lumlah 10 ....der .11 noll_.f ,moonlllo be paid vodcr Ibll p......pb.
If Borrowtr mak..l_ paY_II dlrwl,,'Borrowu .hnll prompll, /I..oI.h 10 .....d.r -'pll..ldtnain.lbo plYIllCnl..
Bono...r obaIl promplly diICM'll....y lion which bas pri.rill ov.. tbl. Socurily "'tl\lllllftlllll1.. Bo...-. (.) 11_ i.
wrili..to tho pl)'Ollnlorlhoobll.lllon lIICund by lho IIIl1In 'IIllMlrlCOCflllblllo lAndtt; tb) ..._In.oad ralth Iho 11=
by, or d.rond. ...1001 IOfO"'OIOIlI or lb. lien 10, Iel.1 prococ:dinp whlob In lb. Londer'. opinion opera" 10 praylOt lho
..r.....".oJ or Ihn Ii"; or Ce) ....... /ram Ihn hold., of Ih.lI.. 1ft .......... ..~.flClory to Leodu IUbvrdlol1lna tho IIllIto
11111 S....rilyl.."'......,. It Loadu dll"mlnollhot on1 (1Ir1 of lb. Property I. ..bJecllO I II.. ",bleb may IIlIIa priorily .\'Or
Ihla SocvrilY Inslra....l. lAnd" IftIY all', Borrow.. . noli", Idanllryln_ Ih. lien, BolTOwor .ball ..II,f, the 1110 or lib GOO or
...10 of Iho acti... OIl f.rth .bov. wUbi. 10 d.y. oflhn elvin, of noli..,
e
O..flIIP"'OIll,
'...1$"
,.,. ao38 8110
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iOIlH::!55 PACt U34-
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5, II....d Of ~l* I, INUIlInce. BO'Ill"''' Ih.1I kOOf1 lho IrnjllVYI.,..,1I aOW ..1111.. or hertlflot f/IlCltd an lho
P'DpI",lal\lrec!I,linlllall h, nro, h.u,dllnehldld Wilhla 1M I...n '''Iencll~ co...... end an, Olhe, ual'lle, 1...1""ln~
nOO<lI or n""la., fo, wI1lch l.Mder req~l"" Inlo"a.., Thlllnluren.. ell.1I be ....Iale/ald 10 1110 .moonll.nd far lho pan....
Ih.1 Len4er ""lol,.., Thl ollo"a.. ca,n.. plllYldia, ill. Inlu"," .ull bo eho.... by Dcrro..., lIIhJocllO Under'1 ,pplll..1
..hleh 11I.llno1 be ~nr"'O Ilbly "'ithh.ld, If Borrower r.lI. 10 malnlli. OOYI"E" _ribld .boYI, Lende, may, II Leader'l
opll.., obllin OOy.,,~.lo Flolocll,.onder'l ,I.hllln lho Propl"'I.lCCord...."'i1h 1'I"I"pb 7,
"lIlnlU"''' pol lei..' and ,,,,,,,,,.1. &h.1I be """'pllbl. 10 I.eIld., end &hllllnelud. . llanderd morl",. ClIO", t.:nd"
.hall hav.1ho rI.hllo bDld :be pollcl.. Ind "......11, Ir Lander 'cq~ltll, Dorrow" ohall promplly .1.01. Lender.1I ....Ipl. .f
plld praml.... end ......,., noli..., 10 Ihl .van' .f I.... 8<lrrowct lball .IYO p,ompl..lloo I. th.I..."... camer and l.eoder.
Laodlt....y make proof.f ua Ifnol ...d. pro..plly b,llo'Ill,",,',
Val... I.eIldu end Bo",_ .Ihctwloc .,rool. wrilla., 1n1U..... p.......s.lh.1I bo '1'1'1104 ... "'lOIllloo ., 1OpeI, or lilt
PropotlY da...p1, If the nllOlOII... or rtpalt i. _omle.lly fllllblo end Laad.....lOCIIrily I. noll~ If Ih. 1OI1o"lloa .,
.' I. nol ~..lIy Joaaibl.., Lander'. -,ril, would bo I_OIl, the I""'..... prooood. aball bo .ppllt4 10 llIo.....
....rod b,thl. Seaurily 'liON_I, whdhat 0' oOllhOCl duo, wllh .., ...... pel~ .. Bor_. U' BohOWO' .- lhe
ProperlY, or docIno'IftIII" wllhia 30 d.)'I' noli.. from Lond" iIl.llh.IIlI\I"- eoniot.... offwed 10 ..1110' claim, IhlO
\ArlCIt, IOIY ooU... th. In.."noo prooood., IAndu IOIY "'" 1M pr0cce4. 10 "".i, or 1011O.. tbo ProperlY lit I. pay III'"
_rod by 1111. StcurilY JIllInl....I, wI1.lIte, or aolll1"" d... n.. 3lH1oy perlocl wlll ""I."""" lbo nOlloo I. .1....
U.1aa Loodo( and 1I0rtllWllt olhctwl.. ..... 10 wrill.., .ny applieolloa 0' procooda 10 prlnclpal olIa1ID01 ..\aid 0'
poIlpoaa lho daa d.t, or h. moolll11 pa,_1I ..fwad 10 ill po.....phI I end 2. Of ohln.. tho 11IlOU.1 of 'hi pay....II, Ir
under PO"'. 21'bo p, ,porty 1IICq\Ilred by Loadet, 110""_" rI,bll. any Inn...... polloi.. and pfOOOlodt *"Uln. from
4_"10 lho P"""" prlo. 10 Ill. ecqvialllOllIll.1I pal' 10 I.ead., 10 lho...... .f u.a.........und by Ihla "ou,lIy laII/UIIMIII
InunocIlalel, prlo, 10 lb. "'1"11111..,
6, OccuPIlllC1. \'resb,..lInn; M.lnlena... and l'rol",lIon or 1M Properly, S.rnl".... Loon AppUcallon. LooaeboIdL
Bo~ ""II OOCIIPy, ..llblilll, ond "'" 111. ProporlY II B"".....'.I pn""lpal reallk:nc. will1ln Ilxly dlYI .lIe, Ih......llo. of
Ihl. SocurllY InolMllCllI .,d ""11 ",nrlftllO 10 -"I'y tho P"""" II Ilorrowot'. princlpal ,..Id_ fo. II 10&11 ... yu.' .n"
tho dll. of _poncy, unlaa 1.146.. Olhotwl.. ...... In wnllo., wlllch _..llh.1I 001 bo un_bl, wllhheld, 01 ani..
ellllOlIIlln. ci....fIlIIen..' ..ill which on beyond 110........". 00111101, Dcntl*Or ""II DOl dll\l1>Y, d_1O 0' hopai. th.
PropcrIy, allow \he Propllly to d''',lo...., 0' c.1IU'IIl1 vmt. on Iho PlDpOI'Iy, IIorrOWIr wll be 10 d.f..ll If ..y forrcllY",
.otlon 0' p~ln" w/1,,:I1or clylI or criminal, I. bopn lhal in uod."1 .00<1 r.llh jud,/llIIl1 could _II In ro,(.II~.. or Ih.
p/IlIKrlY 0' oIhtrwi...... on.lly Impal, lilt II... clOIled b,lbll SOCIIrily Indn".." or lM\du'.lOCUrilyln_, Borro..., nlI~
""..ouch. dor.ull and ..iDIII.., II l"'I"idod In pua."p/lll, by ....'..Ih. oclio. 0' p,Ocoodln.1O bo diamllllld wllb . I1IlIn;
UII~ 10 Lonclo<'. &oocl flllh dller111lnaUod, procludes rarrailu" of IhI \IOnoWIt'. ill_I I. Iho PropcrIy 0< 0Ib0r ....ari.1
Impai,_1 of tho II.. c....led by II1Ia SOCIIrily InIlNmonI or 1AocI1I" ...~rilY Int"'"'" Dc_ abaIl .\10 bo fa dof.ull ;r
1Iomwot, d.rin~ Ih '0011 .ppll...l.n ~, I'Y' ...lIIlally faI.. 0' i.....1Ilf Iorormatlon or ",,,,,,,lIlD1Aodu (ot f.lIed
10 ~v1d.I.ead<, wllh '" IOII.ri.llnfonlllllon) 10 "'....110. wllh lho 1000 ovidfn<od b,IM NOlO, Ioclud..., bUlllOlllmiltd
I., npruenllll...l..... .i..llo,..."",,'. ....poncy .f IhI Properly "' prlaelpol ...Idell.., If lIli. StcuriI,laIIru-.11a on I
~16, DcI1'OWII .boll oomply wllb .11 Ih. proYillono of "'. 1_ If Bo........' lOlIol... f.. 1111. ,. lhe Ptoptrt,. Ih.
louehold and Iho (00,1111. thall nolllllf'" lIol... \.onder .._10 Ill. ...pt 10 w,lIle.,
7, ~'ocIIoo or Lend..... Ri;hts in the Properly, If 8....,..., f.lla 10 perrorm the ,,""'11 loci .._II_iood i.
11111 Secur;ly Indlll.,..,l, Of lhW Ia . le,11 p.......ln. Ihel ...y lIigolnOl/llly .rt... Lend.,'. rI,bla i. lh. ProperlY (ouch II ·
p.......in.l. banluupl~I, proball, for concJomnoUoa 0' fClfellU" 0'10 ..r....I.... or ....I&U...,. Ihlll !.onde. .., d. ..6
l'Iy (.. ..haI.... II -lIIlIY 10 protecllho VlIIII .f 11:1 p..".,,,y .ad Lendlt'. rllh.' In IhI Properly, Loader'. acIIOllI ...y
Include po,le, an, 11I.11 _rill by . lion whicb hu prlorilY ..er IIlIa _lly """"meal, appeula. In _rl, peyin;
.......bl. '''0'''''' f". end ..Iorl.. on Ih. Propo:rly I. male. rep.ln, "lIhoolh Leneler...y lab ..lion lIlIdor WI JlII1.l'Il>h
7, Londet oIoeI nol bav,., do ...
Ala ........ dl.lunocl by Laodcr uadet Ihl. p......p/l 7 aball '-"'f addillonal dcbI ot BOfIOWW ......, by IIUI
So3.uiIy Jnellll"""" U.I... Bo_ and Lender ,,"'10 othat "tII\I of pay"*,l. u.... ....'"'11 thaU boo, IlIleral rrom the
dolo .f dlabu"n*1 .1 lhl No.. nlo ODd ""II bo payable, wilh i.II...., \Ipull noli.. f..... L.culu 10 Bonowar "'1""''''
pay....~
.. MotI;Cllelns.,.nce. If wder "'I.irlll monl'" ....""" U . oondlllOll 0' maI:\o. \he I.... -- by IIlIa Socurll,
(n"NOlInl, Borrower Ih.1I pay lh. pNmioOll ""l~Ir~ 10 malnllln lb. "'''..1.1...,....10 .rrOOl. If, for enf ......, lho
mort....lnio..... co,t.... roq~lrod bf 1Aadc, I.p... .,...... I. bo 10 .rraCl, 1Ion_ aball pay lha p...uUDlI ""lulrad I.
oblll. CO_llIbSlllIl.lly oqulUlIIIIII' lhe "'''81..10....... previo"'y I. efT"", .1' cod aubllaall.lly "'Iulv'l.nllO th.
<OIl 10 Bol1'OWCl or th, mo";'I' I........ preYIOUIly I. otroct, from an 0111...... 1IlDrfI'''' In.o... .Pproyael by Lca<Ic" If
aub.lInll.lly "luIVlI.nl morl..g.I........ oov..... II 001 ...lIebl., BOIIVWIt ahaIl poy 10 lMder ..oh month . au'" "111I110
....'....mh or the )'llriy mon,.,. I..unaco p..mium boln, pold by IIorI1lWlt wben lhe I........ cov.....lapeed or ccuod 10
be 10 .lTecl. l.eocIor wl'l '?"!'" _loci ltI.ill u.- p.y....1I II . 10.. _tv. io lI.u of mo"Pt' I...,..... ..... ....tv.
,.... .031 1/10
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raymo.1lI m.y n. Ion.., "" ""lUlrod,.1 ho "pll.n .f Lend.r. Ir mon.... 1""".11<. cov,n.. (I. th. .Rlounl .nd rur lb. perlocl
Iblt Lond" '''IullOl) p'....ldod by 10 1m u,., .ppnwod by Lend" ...In beco.... .v.lI.blo ..d I. .bI.l.od, D.rrowor "'.11 poy
lb. Pl1mlUI.. '''lufrOllI. 01.111111. "",n".. flUU..nee I. .rr.."., I. pr.vld. .10. IWOIVO. unlilllio roq_I......1 f.r 'IOn....
',oul'lno..nd. I. ....nIanot wfth ony W,III", '''''''''1 ho'-o B.""""" ond lAnder Or oppll<lblo low.
., ,..poetlo.. LaoJ.,., h. ....1' OIly mat. .......bl. oo'n<l upoa ond lorpoell... .r lbo P,opony. Loodlt WI' .Iv.
D._ ",,11..11I1'" 1I....r.' pn., I. on 10'poclI..IjIOOII'yl., rouonabla ..... lu, tholftJpoclloo.
10, CoMarnlllllon, Tho p..-JI.r O/IY .wa,d .r .1."" r., d......., dlrocl Of -..q-'Ial, I. COd...,loo wflll ..y
oolldamnallOft Of 0I1I0r Wel., .t O/Iypot .r lho P",pony. ., tot ...v.,._ to II.. ., co'd.""'.liun, oralunl.y ...I.ned and
lllall "" poId Ia Lendor,
to lbo_l.r.lololl..I., of I'" ""'i\OrfY. 'ho pnl'"",dowll ho 'JlIlllod 14>1"'..... _...s by d,l. Socunly lnouu_"
wfI01bet .r DOl """ duo, wflll .ny ...... pohllo 110"....." In lb. ....1 .r. ...nl.IIIId.. or lbe Pn>ponyln wfIl.b lilt ~It
""rt.. VII... .r !be Ptopo<Iy 10101..11.101,' ber... lho 1..'" la "l1lII1O .t ....... IbOll tbo alllOlll\l .t Ibe ..... _rod by Ib"
'_nty '.......,llllllllllllal.ly "",... U"llkJo., Unl_ BoITOWtt Ind Londot "".wl,,.,...I. wrilln,: lbo..... _nod by
Ibla Security 11lIlrU1IItlll1bll1 be noduoo' by Iho amoUnl .1 lb. P...... mulllpllod by !be rullowln, rnctIoa: (a) lbo 101.1
llIlOUlll or Ibo "11II IOC1IIId Unulodialal> boforo Ibo Wel.., dlvlilod by (h) lbo fal, ...rtcoe value .1 Iho PlUpellylnvnodlllOly
bor... lho 1Ildn., Any bol.... WlI bo ",'d I. 8._, In Iho tvonl .t . portlal Wcla. ot lho Properly I. wltJcII!be rur
mortcoe wi... ot Illo Proporl)/llIllIIllII/llo/I'botoro I'" IIldn. 'a I... I.... tho .......1 ot tbo.... lOCurod h"m.dfalalY bof.l1lbe
laIel." uol... 8onowo'.nd Lender .lb.(WI.. .....,n wrill., Of ulll... appU..bl.law otbolwbo pt.vld.., !he pruoe<do .ball
"" .ppllod I. lb. ..DlIlOOIIrod by Ibll Sac urily loat"'.....' wbolbat 0, nol ""'.........Ibao d....
It Ih. Proporly /. .hondonod by Bot.....r. 0' if, .nor .011.. by Lander I. Burroworlb.llb. condo","o, .rralll.",.b..
....rd Of "lIa . .I.i", fur d......., B"",_ hll. I. fOIpond ,. Undo, wllhln 3D claYI 1/1... lho d.1o dHo nod.. " .1_.
........, lI.ulhotlud 10 0011001 .nd apply he p_a, .1 IIlI ullll.n. oIlb..l. ...1....11..... n:pol..' 1110 Ptopony or I. !be "'..
, ooclIt1ld by lid. SOCUrllyl..ln.....1. ..hccll".' DOllban due.
Unl.. lAnder and Dorrower ..IIo,wI.. a.... llt wrilln., any ."pllcodO/! .r p~. lO prillCip.1 WlI DOl Ulfnd or
puotpaoolha duo dolt .r lb. """'Ibly P.71lD1llf ...,......,. In "'l'IlIpU find 2 or olIa...'ho OIl1olUnl.r..." poy_1L
J I. 1Ionv_ H.IIlol_1 ..ortM....._ UylAnd.r NoI. W.I'.... El.....I.. ot Iba limo r.. ...y....,.t modir,cahun
0' -iJ:alJooI ot lhe ..... ...urod bylJu. -nly IlIIlrumonl._od by Laod.. '" ..y _r In 1.1..... ot IIonowor &ball
DOl oponl. 10 - tIoa 1Iablllly ot Ilia (11I1001 ~ ... 8omlWlr'. .......... to 101_1. I.cllllcr oIIaUIlOI bo roqul...s I.
lXlm_ ,,-10.. .pIlla "'y _110. I. 1.1t'1Il or..lIJJo 10 ..I..,d limo tor flIY'O'.' or otberwb. _IIYll1lOnlull.n
ot Iba 11I100 IllClIr.x\ by 1111. Steurily In II......, by '11IO/1 ot O/IY dtlllllid 0lId0 by 1110 ori'I..,lIon....... .t Bonower'.
.........11 ill infO...., h.y ro,boo...... bl IAndor I. '"on:idn. any ri.bl or I_Y .ball ..1 be . wIlver .r ., "...Iud. tho
axcn:1aa or..y richl or rIlIlody, ,
12.~' I II .nd ""I... Do"'>" Julnl and S"'I'I&I U.blIltYI C...I.OWn, Th. OOv....I. and .._ or Ibla
s.curi'y IMlrulllC/ll oholl bind lad bootlil th. ........... ond 11II... or Loodar .... 8om>....., ..bJocll. lbe ptoy..l... or
p....,.ph 17, D.rro....,'. .......11 and ........... ""'II bo Jul'l O/Id .......1, Any'D.rrowu Who 00'11... Ill)a Sooulhy
Inll.._\ bul "- 001 ax-w lbo NoIe; (a) II co'Il.nln. 1I,Ia S-nly"IIII.."""" OftlylO _'...., .....1 .... ""-"1tb11
801TOWW'aln_14 Iha Proporly und"'lho lormI.'lbl. s.curlly In&tnI_11 (h) II DOl [IOI1OlIally obll,lled 10 poy IIoa.umo
-..rod hy lid. SocIInlY lIul.._I; Ind (II) .._ tbot Londor and ..y_t Batra...t ""y'.'" Ia "''''"', modll'y, 'otboar or
m.b ..y ....1IIlnClllatlo1ll wflb .....rd 10 ho IIrma or Ible .....nlylall"'....' or Iho NplI wlllloullbal Botm_'. .""-1.
U. Loan Cho..... If 1110 ..... --. cd by lbla a-rllyl"""",,,"ll. IIIbJOCCIO . ..... wfd'" .... 1llIlJ..... ..... cbarp.
0/111 lbal .... Ia IbIaIly Ia~ratad 10 lballbo Inl..- Of otbet Ioaa obor;" ooIJoo:tod .r 10 bo 001l..1Id1o ......r1.. wfth ~
1- ....... Iho pIt1/l(lIacflimill. ~I (.) ..y oucII '- cllatp IhaU ba roduood bylbe _ .-.,. Ia ""- "'" dulp
10 !be ponnIlIad llmll: and (h) ..y .u... 11I1IIdyooncolcd '101II 80_ whJcb ..CIodod panalllod rUlllII will ba ...r""dtd ,Ia
Dorrowot. Londot IIlI)/ clIooao I. IOOto hla ..flUId by rod..ln, lhe princlpol ...... uodat lbo NOlI bt by cnakla. . du.:o
poy-. 10 Borra...r, Ir . "iliad ...su... pMolpol, Ih. ",",uallon wfll boo I...,od II . ...nl.l p"paynll.1 wllboul any
prep'ln,a..1l ab"..lUIdor tha Not.,
14, Nnll.., Any nOli.. I. Bo,mWlt pmvWod rot In IbJ. Socurily r..''''.....lah.1I bo .1... hy cJdlveri., II., by moUln,
II by filii cI... DlIU u.l... 'ppllcabl.l.w nqul... UN of onolhot lIlOIbod. Th, ooli.. ahaJl bo di,..."" I. lho P"'1*I1 Ad~....
or O/IY Dlbe. 04dr... O.,rowot dtll,..lal by ooti.. 10 La"Ier, Any noli.. 'A Lendar 011.11 ba ,Ive" hy 0... cJaq 01.1110
Landat'a 04d_ ...Iad hotoln or..y oIlor odd_ IAndor d..i...I.. hy 11011.. 10 Bo,_. Any DOli.. pmvldtd ro, in 11,1.
s.curilY JRllNmanllhIU bI cIoem<<I to hi"" kin glv,," 10 Botro......' Of lArW.t ..111M ,inn.. pravW.J in lhi. [lanlnph.
IS,Oo..mll1l lAW; S.....blllll, 'Ibl. Socu.lly 1..lnu.clll ohall bo Ilovornod by rede..1 Ia.. end lbo I... .rtho
JUrillll.llon I. wblab lbo PIOpo"y 1.1_1<1: In lb. ,..,,111111 ,ny p",vl.l.n.t .I.....r II~. Socurlly Inlln'....1 .. Iha N.la
,0nOl.1I willi appliCOblol.w, IIJab conOlollholl n'l.rreet oll1.r p,ovl.lon..r 1111. Sacurily Inllrumonl., dll NolO wfIl,h ... be
.iven .rr"l ..Ithuullb. c:unlliclln. pmyi. un, T. Ihl. end lb. proy,"lon. or Ihl. $acurilY In.uumenl and .1,0 NOle .,. ded.""
10 bo &evenbla. .
JG. Dottower'l COPI' Durrower .h.~1 ~ ;ivM uno wn(urmw COPT ur tho NulD .nil uf Ihi. StlOurily JfllrrulllCIlt.
'wm :W1)31 '110
.&:Z:1.
cc\'.IAIPAJ ".1.'
''''..'
booHP,&5 fAtE U3fl
.'
17, 'traM.. or Ihe I'ftllerly or . O....nclallnltt..lln Bom_, Ir.1I 0' any p'rI.r Ih. PropeIly .r any Inlonolla II
lIaold ., lran.f.m<! (.r If. 1I0.n.llllol.,..II. DO""WI' II aold or lran.r""" II1d BOll........ ... . 011.,.1 petIll.) wilhoul
\.end,,'. prier wrlll'" eo"'~I, lA.d" m'y, II II. opll'" NlIul,. 1""",,,,111a ply_1 I. full .f .11 0111III ...urod by W.
SOC1lnlY 11IIltllllllRI, HowaWl', IhI. opll.n alIl11 nol be ."te(Nd by Lead.. If .....1..1. p<obIbllod by fad...lllw II .rth. dllo
.flhl. S..un'y IRlltlln",'.
If lAnd.r ...ltl...,hll )pli.n, Lander lheU .1.. Borrowe, nOli.. or locel...dOlI, Th. 0.11.. ""U f'.'ld" ,.nOll.r ..1
I... Ih.. 30 d.y. f,om Ih' ,>I' th. nod.. i. d.IIY1'ccl or mailed whhln whlcll Bo,,,,...Of mu'l poy aI 'Ullll .....rod bylhl.
SlIun'y 100l,umenl. If Bo""." f.II.lo llIythuel\lllll prior 1.lhll.plndon .r Ihl. ponOll, under '""V In.oke II1V .......,1..
llI,mlned bylhiJ S..unl7.1n.""....1 whho.' f.nhat noli.. 0' c1e....d on Doll.....'.
II, Borrower'. R1~hl't. RelNlllll, II BollOwor ....11 CI'lIlo oondld...., BollOwer .hall h... lho "ahl 10 h...
.nfo......,,' of IhI. S...,1Iyln.,...-1 dl_nllnUld IllI\yll... prior 10 lhe ..,lIar.~ (.1 5 d.y. (.r IlldI 011I" porlod ..
.ppll..bl. I.w hIIY JpDCIfV ror ,.101,.,.",..1) berO,. "I. of Ill. P/OPOflY putlUlnllo any power uf eel. _lIlned I. 11I1.
_rlly l"lrumen~ ., (b)" 'If .f .judIOll" IIIJ't>aoi", W. 5o<\Irllt laIIn&IIlICl~ -n- coridllloaa Ad ""'Illanowot. (.) P01'
.....d.. III "'". will.. \11Ift '....,Id bi dill IIIId<r 1IIi1 hculll)' f""l\IlIle,,, and IIlo Noc. .. If.. ....111I11011 hod ~I lb)
CU'" II\Y c1efllllll .f any otloll 00_11 or "_111 (0) pI)'I .11 upooMIlncurrod 10 "'f...l", IlIl1l1ocllllry f_.
Includl.., boI nolllmllCd 10, _.bl. a11....r..' r...; and (d) IIkoI .Uch ICdllft II LaId.. hIIY _blY '"'lid.. lo .....
rh.. "'" II.. .f IbJe ....nly Jlllrul1l<lll. lAlIdor e rI.hlllft Ill. p~ llIld 1IonawlIr'. .bllntIGn 10 ~y Ilia ...... -... by
dll. SIourIly 1.lIt11,,*,1 11I111 conll.... .nclwlatd, UJIOG ..lnelelCineal by BollClWlt, 1fIl. Socunly 111,""_1 Mol 1M
oWlpllooa ..............by II all ..flIIln fIlIly ."octl.. .. If.. soooI....II.. ..... oaa&I'I'ICl, H_. Ihl. rtlhllo ............11
00I1jlll1, I. dIo...or_~JllIi.. un4lrptlnanplll7,
'". Sale ot Holll a~...e or Laeri Senl..., 1\e NOl. .r . plll,.1 1n,...1 In 11M Noc. (IO~ willi dll. SoovrIly
IIIIIN.....I)...y be told _ It 1IlOII1I_ wllboul prior notice I. Bono_, ^ ut. "YIII\IIlI. a cblllp" 1101 ..II" ~
.. lho '~ s.tvlcer") Ill.. ,,))11011 monlllly ""'....11 dill unclot tlt. N.1I and rhl. Sociulll ...lnl....~ 'I'bota .1.. JIIIY .. -
.r ""'" 'WI. .fthe Loan Sllvl.... ..tIlllod III .1II..f Illa NOlL If Ihar. \. . Cllan.. of IIlo ..... Sortiolt. s....- will be
liwe wrlll.. OOlice.f 1110 0&....10 oooordanoe wllb po...rapIlI4 ab<we and .ppl_l.w. Tho .0Il.. will alai. lIle .....1IId
.dd,... .f .101 ..... Loan S.,YI... and Ibo add.... 10 IWIch plymcoll Ihould be hIId.. Tho ""U.. will .1.. co.tal. any .Iblt
10r._II.. toqIIlrod by .pphcabl.l.w.
20. H.z:irdws Subsll...,. Borro_ .hell nol c.... or permlllba p........, ..... dilpoAl. ol....., or rol_ .f II\Y
IlIDllloua Subs\lnOCl on ., I. Ihe Pr.pe~y, B.........r ""II not do. nor .lIow '.J'OlI'l oJ.. I. do. en)'lhl.. ."ecUol rhO
PrcptI1y WI II i. yj.lIl1llft pf any E4vlioomonllllAw, Th. p~I.. \WO *,1_ shall not apply'. ."" P-' ..... .r
....... on ilia Proaorty .f ..nIl1 q....UIia .r H...nIoI1I SUbllu>oellllll '" ;cnonlly ......Iud 10 bo 'Ppropn... lo 00,...1
ouJdtnll.1 UIII and lo ..Inll..... .flho PaapotIy,
~ .11011 promptly .Iyounder wrill.n noli.. .f..y I.YIIll,Ilion. cl.lm, dll\lllld, I.waull .r .ther "'::.:.:7 any
...,m....1I1 or ,..uIIIOI)' 'kOIIcy.r pri..I. perlyl..ol.i'llbo PropItly .od any Hawdolll $ubt1anct.. e.,.11OII Low
.f wllloh IloII'O\l'It bu ICI1lIlluIowled,L If 1lono_lum.,.. I. iIOClnod by any 1O..mmon"l .r "Iu,.Ia'1 ...hollly, lhel
II\Y .......I.r otb... ramed,t1lllft .".y Hl..,d_ SulllU... ."..linD 1110 P,opetIy I. o_uaay, B.lIDWllr .hall p,omplly I.b
.1I.......ry """"'loI..IIOIIIln...._ willi e.,.u.nmcnl.1 Low.
A. uad I. Ihl. po",n"" 20, '"&DnI... '.llIUnc.' .,. Ihato IUb",,,,,, clafined II 1oIlc.r h..anlou. ..bale..... by
B",,;,.._"I uw and 11M roll...."'. ~ paolln., t_. _ nem.....l. or '.Iie polrolcwo prod....., 10110
JIO.IIlcldco and IIorblcldq, YO "i1. ..I-II, ...1011.1. oonlllnlo; u_.r f."",ldallydo. .... ndl_l.. ","r1llt, A. u.l in
IhI. ............ :10, 'Bo.lrooinlD'.1 lAw' ""M fodualllwe and "'" of lbe Ju,l.dl,dcn wh.... lbe ProptJlY II JOCIIId lhal
reI.1a 10 tollllll. ..fOlV.' on, l,on_1I1 p......I....
NON,UNIFORM COYONAtml. Do,rower .nd lAnder IIlnh.. .......I..d .,ma.. '.IIowa:
21, "......11...1 RII1I"1I.. ibidoJ' .holl Di.ellnllcelo Bom_ print 10 .CIOlerallon r.nawl"llloml...... "'-do
.r .ny .........1 .r 11_1"'1 In Ihlt Securlly InlItlllllall (bul 1101 prior 10 ....r....n.a und... P....I..llll 17 unlta
.ppllcllb" low p""ld. .n_l.el. Lendll' "'"II nollfy Damwll' .r. Il1ln"l .Iher .blnlll: (I) lhe del.ulll \b) the lCIIoo
~ 10 cwolhe dol'.u1 a (e) whan lhe dd.ull mllll b. curtdl ..d (dllbil r.llut1l. cure IIlI dcf.lIIl11 .peelfW ,""y
r..U1lln .cccJ....lI.n .r 1I...Ul'JlI HCIlM by tills Stcurtl1ll11lrv1llonl. '.....I..u.. by Judi"" proca>di", .nd II" 0( \11<
....pttly, l.In4II' ","1I1\1I11w Inf.rm Borro_ ot Ih. rt.blw rtlNIoll.nu .ccel....non and II.. rilM I. 11III1 In lhc
f.....'..u.. ........u... I'" ac....Is_.r. def.u1I.r .ny othet deI'.... or Borr.- lo accIlIl1lU.. .nd rond........ If
lhe ......ull fo nol """ II oIp..,"OII, Land.... ellll.pll... 1lIlI1 nqul..lnlm.cIl.la P"llIlaat 10 rull or .1I....II.1CIIfIlI by
IIt1e Socurlly lntItumllll .,lIhoul rurther deIIIaIld .nd may r~ Ibis Socurll, Insltllmml II, JIldIdal ~..'
...... lIl.n be IIlIIllad '. ..lIocl .11 II~ Incumd In pumaina IIlI ....oilloa ......Idad Iia IbtI JII'1II"ph 21.
Indud.... btllllOlllmllld t~, .........71. r....... ooIlO otllll. en_ to lite 0111111I1 ponnlu.d by appllcabl.low.
22.. _ \lpoD Plymoo! .r III _ _ by tbit lIfcIIrlIy 11III..._. ibis S-rilylOJlrvaoll IIlII "'" ......
oonvayacl....lllcnlli.... ",I bococnI YDld, Allot IUoh ......-, Loadlt ""II dlJcllarp LOCI .....Il' IbtlS....rily l"""'alI.1
wilhoul ch....lo Iotroowr. Borro_ "'"II ply lIIy....rd1lloa 001II. '
23, W.I'.... Domow< r, I. Ih. oIlonl pOrmllkd by .ppllcablt low, wtl.. .no! rei..... any erro, .r .w.... 1.1WCIOd1.1'
10 ..r....INa s.clUlly 10.hUmIIIl, IIlII heroby wtl..1Ilo bc:oafit .ho, p...lIl.r rut.... I.", pro.1dlnl f.r ...y.t ......loa,
.......Ion .fllme; u...pllot, rrom .1'"""....1. I..y .nII oil., .ad hOlOOllooul...mpllon,
24, IlciNlllenonl Plliod. 8.110_'. Ii.... I. rainllll. pro.lded In J>II'&npIIll "'"II .11tnd lo 01lD b.ur prior lo Ih.
co,""""",,_I.fblddin.., . ohcrirr. ..I..r _ .1. pUt1lJanl I. 11I1. StcurilY Inllru_l.
2$, P\ItdlUo Mont' 1I0ritea" If anr.f lbo debl......... bylbi. SlCurllylllSl.....II. 111II1. Borrower 10 ocquw 11110
I. IhI 'ror.ny, Ihi. Sec.rit"lnllru_1 alIll bo. purehooo _y moll,',L
2'- nlUat R11a "rt:r Jud,mCllI. DOllOWlt ,,_Ihal "'" 1.111III RI. p'Ylbl. .n.. .jud;lIlMll. call.... DO 11M N...
or In I. aotioo.f mollp" :;,rIjll.....,.1boI1 be lhe nI4 I"'y.blo from limo 10 Ii... under Iha N....
C ..."AI..'~
.
'.......
iooW~M rAij( U3;
,.... ~.~. .110
~
-
I'
, '
~...
, .
LO~H HO. 008-492506
III/I
1/1/1
1/11/
III/I
'rt, Ill. 1011I11 Socurll, wlrlll'''e. "OlI..,...ro rido,. III .._Iod by Borrower..d .-.docIloJdbu wlllllbl<
_,11,1.1111I"*", lho ......... ...r.,._1t .'eoeh Nell r1d..ob.1J bt Ulcol)lOralod 1.10 Md Il\IIJ .....,d and NppltmOlll
Iht CO............ .,_...r !hi..... ril""''''""","I' Iht ridor(.) ...... p'" 0' 1111. $aourity lnIINmool,
ICIlacl< .pplltab'. bo'(OI)]
~ ^'\I-"l. 1I&l.lUtIo,
Orod..tod .'rm-I Rid..
BaI'_lUd..
'I,ll, RIder
~ CoIl4omlnllll11 Rid.. ~ .-4 r.mlly Rider
I'laMOCl Unil Dov"Opmlllll RkI.. BiWlOltly ..ya.eollUdtr
1\010 1"'1'1'0"""'1 Rider SIleOllcl H.... Ridt:
Olher(l) (1flIOI'y) Lm\L msau:Prl~
BY SIONING BELOW, POm>WU ",..pit and .8....1. 111. tcrllll .nd COV"101I e""laIn'" 10 Ihia SIleo,ll}' l/lIlnlllllllllOd
III .0' rldoI(.) ulCUlld b7 Perrc....'..d...ocd6d I<'Idlll.
Wllo_
/'~
1-1
(jJ.".~11J... t
.;e:~./~~
RICKARD I CHRlsrla
(Saol)
.10.......
e
(SoaI)
-,
(s..!)
.-
(Seal)
,-
"
CerllIlcait or IltlIld.....
., HAOelI. RICCIARDI
"'" wilhia-namad U.".....II
Wll.... alY hand Ilola
. ~,
I.' ...,..
4911 IHDIIIRllIHCI 'MX1fU
rAMPA, 'LORIDA, 33134-15
16'1ll. do, or
, do boteby unlry lballht _ add.... .,
_oI~
"
COMMO~THOF~VAN~, ~
,
Onll1lo,lbt ,,"- cU,or m4reh
IlIlIOnalJy.ppearod ~ lc,L,..J ~:. c.I-.,;'H~
l:I.,.d,11:
I "\'1 I:' , lII'oro all, lho uaclorai..od .IIloor,
In10wn 10 IIlI (er aaliJracrorily pro...) 10 111 Iht
po.... ",,- n.... I s ,o,bICribecllo 111. wldUo lnllllll1lC/lllllllaclu1owlcd&1d 1Ila\ ~~
.....1'" Il10 ..... ror ilia pu~ 1Mtol. OOnllinad, ,J " ' ,
IN WITNESS WHBREOf,' h.....llo 1II1/111londftll . , ...1,
My Commi"'... Eaplrca: ' .. .'
,..
I PiJIW~ "
",.~D'"'"L::.
Clll\'lRlP"'''''~ -~
\
"
I
~
e
~
,I......
"
el1~"J
LOft" no, 008-4'2101
ADJUSTABLE RATE RIDER
IFlllt Pl~. v.... PIx.dl
IOn. v.., Tto..u,., Indo. . R.II Clpll
"
THIS ADJUSTABLE MTE RIDER II m.do thlo 16'f11 dlY 01 K11IlCII .
1"~ , .nd IIlncorpl rllod 1n10 .nd Ihlll be dllmld to Imond Ind luppl.ment thl MOftglgl,
DOld 01 Trult or SocUtl~, DOId (1Il1 'SecuritY In.uum'nt') 01 Ihl IIn.. dill gl~on by tho
underllgn,d (Ih. 'Borrowof')10 llcut' Bortow,r'1 Adjusub/. Ral. NOlo tlho 'Not'") to
O~K KAKH~TTllH "OIlTO~O. CORPOAATXOM. II OILllW~
COIl~OAATIOH , (1Il1
'llndl") 01 the IIml diU .nd cO~lrlng Ih, p,opony d..c~bld In Ihl Security Inst,ument ond
localld II:
202 NOODLIlllll LIlli..
OAR~l.LI. P~. 17013
IPl'Qp'ny Acld,...1
TH! NOTE PROVI'ES POR A CHANGE IN MV F1X!D INnR!ST RAT! TO AN
PJ)JUSTABLE INTI REST RATE, THI! NOTE LIMITS THE AMOUNT THE INTERfST
RATE CAN CHAN 3! AT ANV ON! TIM! AND THE MINIMUM ANO MAXIMUM
RATES I MUST PM:
"
ADDITIONAL COVENANTS, In IddlllOtl to tho COVlnlnla Ind Oalllmlnt. midI In thl
Secu,IIY Inlltrumlnl, BorroNt' Ind tlndOllu,lIllr cov.nlnt ,nd 10'" II rollowl:
A, ImREST RATE A ~D MONTHLY PAYMENT CHANGES
TH' Not' p,ovidl' to, In Inltl.llnl....t tlIlI 01 "sao %. Tho NOI. p,ovldl.
10' ct\l,"lil~ In thl Inti/lll tilt Ind Ih. monthly p.ymonu, II follOW.:
4. INTEREIT RAT!! AND MONTHLY PAYMENT CHANGES
IAI Chlngl DI'.I
Th. Inltlll t1..d In'.ft'st till I will p.y will changl 10 .n Idjul,abll Iot""" '"ll on thl IItIt
d.y 01 /\'11110. 2~a . Ino on Ullll'lt lloy 01 evl/Y tw,11th monlh 1Il".IIIII,
elch dill on which my In:III" '.11 could chlngo I. c.llld I 'Chlngo 0.11,'
(S) Thl Ind..
aoolnnlng wllh tl.. ,IIIIt Chlngl DI'.. my .dJUII.bll Into'lIt till will bl bllld on .n
'Indu", Thl 'Ind..' I. 1"" woekly Iver.gl yl.ld on Unltld SlIlol rrlllu,., ..CUrlUII .dlUltod 10 I
con.llnl mlMlty alone II y..r. II midi .vaillble by tho F.d.'11 R...rve Bolrd. rhe mOlt ,...nl
Indl. IIgurl IVlfllbl. "' Dr Ih. dlle lony.liv. 1451 dlY' bolo'. ..ch Clllng, DIlII I. cln.d tho
.Cuftln, tndu,..
II Ill. Indl. II no 'lOng., lvall.bll, tho NOI. Hold., will chooll . nlw Ind.. which '" boll"
upon complr.bl. Inlorm.ClOn, Thl NOlI Hold.. will glv. m. no~cI 0' thl. ohol..,
1Dlll ettMO CI..In,DHUrnln\ .'O.C.13"
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ICI Cllculrlon of Ch,ng..
lItfo,o .,ch Chino. O.ft, Ihl NOlo Hold', will e.lcul... my nlW Inll'..I tltO by Iddln, .
om.,glnO 0' 2. no p,rconl'Oo polnll ( 2,750 %1
10 Ih. CU"Inl Indox. Th. NOli Hold.. wfll 1h.n ,ound Ih. ,..ult of Ihl. .ddltlon 10 Ih. n"'''1
ono,.IOhlh of on. .)I,e.nl... pOlnllO,125%I, Subllet 10 Ih. IImlllllonlln S,cllon 4101 below, Ihl.
,ound.d .mounl "III be my n.w '01""1 'lie unllllll. nl.1 Ch.nge Dall.
Th. Nell ioldar will lIten dlllrmln. the .moum of lItl monlhly p.ym.nl Ih.1 would b.
aullicllnl 10 "PlY Ihl unplld ptinclp" thaI I 1m .xp.elld 10 ow. .1 Ihl Ch.no. O.ft In full on Iho
M.IU,lty 0'"11 n!i nlw Inll"" "loin .ubll.nll.lly Iqu.1 p,ymonl'. Tho ,..ull of Ihl. cllcul.tlon
will be the now Inlounl of my monllllv plymenl.
COJ Umlll In 'nl..... R... eh.,...
On Iho ..~nd Ch.ng. O,'e .nd Itch Ch.ng. 0.11 lIterltftar. the 'nl"o'l teto m.y nO!
lno"... 0' dlOleu. mora "'.n IWO po,e.nllg. polnll 12.00") from tho Intl"ll ""Immedlllely
p,io, 10 Ihl Chano. 011..
TIler. I. .,Ilmll of fou, pereenllOl palnIl14.oo'" on th. lmo""I by whloh thO Inl.tlll "ll
m.y Incr.... or dICtI.., f,om thO InldlllnlO,..1 ral. over the .ntl.. I"m 01 tho lOin. II. cllan,.
In Ih. Currenl In' i.. would oth.rwr.. c.u.. Ih. now Inll"" r.l. 10 ..elld tho Iwo p.re.nlagl
palntt 12.00"1 c r Ih. four Jatl:enllg. palnll C4.00") "'" .cIJullmtlll 1Im111110n., Ih. unu..d
ponton of .uch I,.:"... or d.e..... Will nOI b. OIr,led forwa,d .nd .,plled to ch.ng. Ih. 11I11 In
f\llU" V"", My Inlerollllll Will n.vet b. ,"."" 1h.n 12,500 ", Of I... Ihan
4 100 " (buI In no .venl ,... Ih.n 1M m.rglnl.
lEI E",cII.. 0111 of Ch.no..
My n.w 1"".'1 ..II wfll b.cem. Iff.ctlv. on ..ch Ch.ng. OliO, I will p,y Ihe .mounl 01
my n.w mon~~ly'p.ym.nl b.glMlng on lit. n"l monlhly ,.ym.nl dill .flet Ih. Ch.ngo 0.18 unlll
Ih. .mounl 01 ml' monlhly paym.nl eh.ngll .u.ln.
IF! Node. of ChInOOl
Tho NOIl'Heldo, wnl d.nvo, 0' ,",,1110 me I nollce 01 .nv ch.ngelln my Inll,o.I "18 .nd
the .mount 01 m" monthly gaym.nl b.fot. th. e".ctlv. d.1I 01 Iny ch.ng., Th. notlco will Include
Inlo,m.lIon r.qu"ld by I.w 10 b. glv.n me .nd al.o Ih. 110. .nd lei. phon. number 0' . pe,lOn who
will .n.wer any Ilullllon.' my /lav. ,eg"dlng Ih. notle.,
e. TRANSFUI OF THE PROPl!RTY OR A BENEFICIAL INTEREST
Unllo,m ';ov.n.nt17 of thl S.cur/lY 'nllfumlnt ,. .m.nded 10 ,ud II rollows:
IAI Unrlllh. 'nl"1I1 ,.111. eonven.d 110m I nxed IIle 10 an .cIJull.bl. ""lllhe end 0'
Ylllllv,. Uniform Cov.n.nl 17 .h.1I b. II lollow.:
l,on.far 01 the Prop.flY 0" B.n.llclallnllll.I.
It III or .ny p.n of Ihl PrOPlflY or Iny Inll'..lln II i. .old or lr'OIfellld (or
If I ben"IcI.1 inll"atla .old 0' tr.n,'er'ld) wlthouI Immediat. p.ym.nl In lull 0,.11
Ium. .neu..d bv thll StcU,'IY In.lrum.nl. L.nder m.y c.n .11 luch ,uml
Immldl,'e/y due .nd pay.bl.,
" Lender ...,clll. Ihls right. L.nd" .h.1I glv. Borrower nolle. 01
lco.lell'lon, Th. nolle. .h.1l provldo . pe,lod 01 not '01. lhan thirty 1301 d.va lrom
the d," the notlc. Is d.llv.,ed or m.n.d withIn whlch Ihl Borrowar mUll P'Y .11
.uml IIM.d by "". Socurlly Inllrum.nl, If Bo,rower f.ll. 10 p,y th... .um. prior
10 Iha ..plrodon 01 thl. p.rlod, LInder m.y Invok. .ny lamlClle. p.,mlned by thl.
S.curtlY '"'lrum.nt wf1hDUI fu""", nolle. 01 d.mand on Borrow...,
IBI "nell thl 1n1,,.ll ,.11 con...'" to .n .dlu.tabl. "", Unllorm Covln.nt 17 dOlcribed 'n
fAl.bovo Ih.1I :hen .....to blln '''.CI, and Uniform Cov.n.nl 17 .h.1l Inllltd be.a 'olloWl:
'"...tlar 01 P,op.flY 0' . Ran.nele"nt""'.
, .11 0' pan 01 IhI PIOP'flY or Iny 1011'11' In 't la .old 0' I,.nl'erred lor If I
. b.neficll' Inle,.1I I. .old 0' u.nd",.dl without Imm.dl.1I p.ym.nl In lun 0' .11 .urn.
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AFFIDAVIT OF ~ON-MTII='ITARY SERVICE
AND CERTIFICATE OF M8_IING OF NQTIQ~ OF
INTENT TO TAKF. DEFAUi:T JUDGMENT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
SS:
Before me, the undersigned authority, a Notary Public in and
for said County and Commonwealth, personally appeared Daniel J.
Birsic, attorney for and authorized representative of Plaintiff
who, being duly sworn according to law, deposes and says that the
Defendant is not in the military service of the United States of
America to the best of his knowledge, information and belief and
certifies that the Notices of Intent to take Default JUdgment were
mailed in accordance with Pa. R.C.P. 237.1, as evidenced by the
attached copy.
A~J~,{
Sworn to and subscribed before me
thisJiJ1day of /Jur ' 1998.
fJ-"
.. .
" .......
I otary ~U~~CS~L
" AilEEN M. LAAKO, Notary PublIC
;1 f-:;~3l:lrgh City, Allegheny CC'.inti
~~ ~.~" y.1,.sir~ni~. 0,:,: .:1. '{"..~:_...
.....-.....-........... ...... - ~.'" .......-.. ,. .........
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CHASE MORTGAGE SERVICES,
INC., A DELAWARE CORPORATION,
f/k/a CHASE MANHATTAN MORTGAGE
CORPORATION,
Plaintiff,
CIVIL DIVISION
No.: 98-419
vs.
RICHARD E. CHRISTIE,
Defendant.
TO: Richard E. Christie
203 Woodlawn Lane
Carlisle, PA 17013
DATE OF NOTICE: April 13,1998
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT 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: ,_ ':';:-0'.;--
Court Administrator
4 th Floor, Courthouse
Carlisle, PA 17013
(717) 240-6200
By
West.
FIRST CLASS MAIL, POSTAGE PREPAID