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NOTE
flU It-- 1
Decl!l1lbor 4 '91 ",.' Ilechnnicsburg l'ennaylvania
............................................................., 10.......... ..........................................., ..................."."..................
(t.", IIttl,1
1l 1l1CI1IIIII Drive, l'IIl~c.burB PA 17055
....."........"..".".................."...."..........."........\l.~........ir...............,..........."'....,............................"................................."........
.... ;,:';" I,.,....."...,...q..
,:., ..' . ., .... .~
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I. IOIROWD'R PROMISE TO PAY, '.,
I. rdu", ror .1_ 111011 h... ....IWIII; I prcmIIo \a lIlY u.s. s..6J",W..OO.................... (Ihl, .mounll. called
"prillClpol"), pIUllnl....~ 'o'MonIeror.ho Leader. ",.l.4IiiWrlo
THE nltlT MNK AIlD TIltJIT IXIIIrMT, A PIIC lANK, Mtchlnl..\rI. ....IUfi"1II 17055 I uoulcnland
.hllthol.e1der may Irlll"or thil NOIe. ",. Lender or IlIJ011' who tak.. thl. No.. to)' trlll.r., IlId ..110 Is ..lilled 10
teeche ..ymentl underthl. Note II called thcUNOIe HoJdtr.1f
2. INT1lRml'
1._ i~~pd on unpald prl.dpol unlll.hoMI amouol or prindpol h.. been paid. I ..ill pay Inl"lIllI a
,..rl, ntc or ...........!..............."-.
TlIe Inlerllt nl. required to)' thla SedIon 2 Ia the _ 1 trill ply both bct'oro .od .ner .ny der.ul. da<:rihcd In
lIcl:tion 6(8) orthla Nol..
I. PAYMENTS
(AI TI.........,'"-II
1 will ply princ:lpoI aad InlCCClt by makin, p.,...."...., mooth.
921 willmoko my ..onthly poymcnl. on the ...~J.,!...... doy orellCh month ....I.nl., on ..~~...~~!:\r..................,
\9.......... I will mako ~ plymenl. MrJ month unllll h.... paid all or Iho prindpal aad Inle...t aad illY olber chit...
~.!:iehe~ Ihlll maJ owe. !hI, NOIe. My monthly poymenl' trin he applied 10 In....... herore prindpol. !r, on
.......\\.........!:'............................ ............." I.un owe amouall_lhla Nol.. 1 will ply.hooc .......n"ln full on lhat dal..
which h called Ih. "malurlty d.t.."
I..m make my monlhly plymcntaa' ...........................atI.w.,oI.lltfi.fJm.."'"K.MR.mUJ.t.I<I!Mp.Mft...........................
............................................................................... Dr at. d1l'1mlt plane lfrequlnld by Iho Nol. Hold.r.
(81 _.'MonthJy~
My monlhl, plyment will he In the .moonl DfU.S. s....fi.lla...3.G...........................
.. BOUOWER'R RIGHT TO PIIEPAY
I ha.. tho rilhllo maIlc pl1ftlcall or prlnclpollllllY lime bel... th'J ore duc. A PO)'llUlOI or prindpol only Is
kno....... ''pr....,....I... When I mako._)'IIlCl\I,1 wWtcU Iho Not. Holder 10 wriUo,'hs'l.mdDln,lO.
1 OIly mako . full _yment or plrtlal preplymcall wllbDUI plyln, any prepoymenl chlrae. Tho Nole Holder
trill .... all or my pl'eJlIymcnta to _ thc omounl 01 prIndpol 1"'1 I trIlIC under ,hi, Nole. II I m.ke . portIal
prqJIymcnl, there will be no chaRletln the due dale or In the amount arm)' monthly ..ymenl unlcu the Nole Holder
.,_10 wrill., to ,hooc choo....
.. LOAN CHARGES
If. law. which .pplleo 10 IhI'_llId ..hleb 1<1. O1IIIbnum 1011I ehlra", h ftnally Inlerpreled ..Ihlllh.lnl.....t
or nther loan characs coIlcclCld or 10 he c:oIIected In 0DlUIIlCII0n trith this 1_ ..- lho pmnllled IImll.. th.n: (I) illY
'ueb loan .harae shall he redIcaI by the .....nl nccaury \a cedua: the chulllto 'ho pmnhled IIml'; and (ill .ny sum.
alrady collec'ed from me whkh ..oeodod pmnllled IiIIlIta will he rerunded to me. TlIe Note Holder mlY choose 10 m.ke
Ihl, refund by nldud., lho prlndpoll trill. Ulldcr this Nolo or by mallnl . direct pl)'lllCll'IO m.. II. refund reduce.
prindpol, the nlduClIo. trill he_led... partial prepaymcnl.
&, BORlOWER'S 'AlLURE TO PAY AS REQUIRED
(AllAl.aa,.,IlIrO_"-"'1I rift en
!rthe NOI. Holder.... no' rcceiYed the roD ...-n' orany monthly plymenl by lhe Ol1d of ..........~....,........ calcndar
dal'l.nor Ih.d"e II Ia due. I srill ply .I.,.chorae \a thc NotcHolder. ncamounl of lhoeharp trill he ..nYAl,...% ormy
o..nI.. poym.nl oIprlnclpol and 1.1erest. I wW ply thb Iatecborae _ptiy bu. only anuon..ob I.tc pa,m....
IHI Defoa"
III do nol ply the rullamlllllltoreach moolhly pa_ on the"'" It 10 du..1 wUl he In der.ult.
Ie) NodenlDal.oIt
Jr..mi. default, lbe Noce HoWer may lend me a written nolke IdUn, methatltl do not illY Ihcovctduc amount
to)'. ecruln dato, the Noc.1lo1det OIly require me 10 p.y Immediately Ih. rull..,ouo. orprlnclpalwhleb bllnoc boon plld
and.n 1he Inlcrallha. I owe aa that unoun'. nit date ..all bI: It leat JO da)'l aIIu the dale on which the nocice is
dell..nld or maiJed 10 me.
CD) N.W.....H'NataH.....
Even Jr,aI 'time when I am Inder.ult. the Note Holda-does not require D\C 10 plY Immedla1ely in full as dClCtibtd
abn... the NOlO Holder ..m.lill..... the riaht \a do 10 IfI..1a dcfIUU.t.latcr lime.
IE) Por_tofN...H_..CnI1I.........-
II the Nole Holder.... requlnld olIO 10 ply Immc:dll1cly In full.. dcol:ribed .bove:, the N.le Hnlder will hlvolhe
riahl to be p.1d back by me ror all of III COIl. aad ..pcnscala coforcin, thb NOIe'o Ihc ..Iml nol p<ohiblted by .ppllc.ble
10... Thaoe.._lncIudc, foreumplc. reuon.bleauomoyl' r....
1. GIVING 01' NOTICES
Unleaappllclble law requires adift'crctlt method. any notice thai muU be liven 10 me under Ihis Note will be PVeD
by dcll\'crin. iI orb)' malllna it by dn. dIP mail to me a. the Property Addtcu above or.. . dltrcrrnt addrcu ir '8ive the
Nolo Holder a not\ceol'my dill'crenllddleu.
Any noli", thl! mUllbeaivcn 10 the NolO Holder under.hls NOC...m he &Iv... by maitlnait by finl clau m.II'olho
Hole Holder at the address stated in Section 3(A) above or a. a dilf'crcnl addreu ir I am liven I Rocke of that dllf'crent
IIddrcu.
MULTISTATE FIXED RATE NOTE-Sl,..1t '....Ir-IIlMA/fHLMC UNIlOIlII IHITlIUIIlHT
(WItcnsuUlRfDtt.lUSU 11001"/1.1
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'n DE~ 1:1 roil 11 '15
I.....~.... IN' U.... ....... Dolol
MORTGAGE
THIS MORTOAOE ("Secur!!y I..lrum.ol' 1,.lven on ..~!:.~....................................,..................... ,
19 .9~,... The mnr....orlo ....~l'Jl.JI,..l\fjl.llJ.y.J~J...........................................................................
............................................, ("Borro..r,. 1b!oSocunlY InllnllllCnlloaiven 10 ............................................
.. .....:OfUl~t.utQ\MO.1MT.liQWNIY.A "'UNlIl.~<IK~~'^ }m~..... ...... ,......... . wjlloh \, o...nlzod .nd cutl", und"
Ib.la", 01 ..~..l,!I\t.~\lII.Il~~..9.(.~l'Jl......... .1IllI.ho.. odd.... II .1:llIm.M!I.m!;~!l~..~.~rl:ll,~...............
..J.'Q.I\QII .;\5Q,.~~a..1!A.. ..J.iIl5~ ........... ...... ............... ("Le1ld.r". Bor~ ow.. Lend.r lhe princip.1
,om 01 ..lI1xtY.. '>>lI:eft .~.F.lVll. ~....... ......... ..::~.~..lIld.. .00/.100. .=.,,~.~.,,~........... Dotlon
(U.S. I . fl~. ~,OO.. ), Thl, debll..videncod 117 Barrower~ _ d.,ed Ihe limo dall U Ihll SecurilY IDSlrumenl ("No'.', ..bleb
provld.. lor monlhly p.)'IllCnu. with lhe lull debt, If nol paid ....r. due and p.y.ble on ...Decl!InbeJ:. It ...2DQ6.................. .
nil SecurilY Inslrumrnl _10 Lauler. (.llb. tepo)'lllCnl ollllodoblevldenced by lhe Noll, .hh InlOm\,.nd.1I renewoh, .._Ion.
..d mocllllc.llonsolth. Nol.:(b) \be paymeol 01 all olher 'Ullll, wllb Inl,,"I, adv_ under _raph 710 ptOlecllh.lOCurily ollhl.
SeeurllY Insllwnenl:..d (.) lhe perform.... 01 Borrower\ ea.._II..d ...._nll under Ibl. Sec:urilY I..tnuncnl and the Nole. For
IhIa PIllJl.... BarroMr does hmb7l1lort....' .ranl and convey 10 Lender lhe lollowlo. deteribed property 10Clled In ................
............................. .QI:rlJJeJ:Wd........................................................ ....... Count)', Pennsylvania:
,
SIlB EXHIBIT "An Al'IAaIED
11 n.o.&e Drive
wIIlch hulhe odd.... 01 ...........................................................................
1-.
Pennsylv..l. ......E~.~~............. ("ProperlY AddlOu':
Ili,Illd.J
lfochen1ceburg
....................joi,y...............
TOGETHER WITH aU the Improvement. now or bercaflcrerected on the property,and.n euemcnll, .ppurtcnlDCCI, and fi&tures
nnwor ......nor. pan ollh. property. All replaecmrnu.ocI oddlllonllhall.l.o be ea..red by IhI, S..urily In,lrum,ol. All ollhe
fOIO.oIOlI. ref.rred lD In Ihil Securily las'rumenl u lhe "Property."
BORROW8R COVENANTS that Bor_lo l.wfully..lIed oIlbe eat... .....by .....)'Cd and hu th. riplto ..art... arant.nd
.on..y lhe Ploperly .nd Ih.1 the Prop.rty I. un_umbered...copt lor encumbrances 01 Reold. Borrowor warr.nl,ond will dd.nd
_rally lhe tllle 10 lhe Ploporty opIas' 011 eI.bDSIIllI d....ndo, IUbJccIIO"y encumbr..... 01 reconl.
THIS SECURITY INSTRUMEIIT cOlllhin.. unllonn .....nonll lor n.tlonal u.. .nd non-unllorm eovenan.. wllh limited
v.ri.lIon, by jurlldle\lon 10 .onstllute. unllonD oeourilY InstlUlllCDl ""veri", re.1 property.
UNIFORM COVENANTS. Borrower and Lender covenant and II_ U 10Uow~
I. ..,_1 01 Prindpol'" .-; .....,..11IllI Lat. Qorpo. Borro_.haII prompUy p.y when due tho prinelpal or and
1.'....1 onlbe dobl evldeaood by lhe No'a and .ny plC1>.ymontllllllala cbu... due under ,he Note.
2. F..... I.. T.,"IIlIII........ SubjOCl to .ppllcobl.I... orlo. wrlllen ...Ivcr by Lender. Borro"",,h.1I p.y 10 Lenderon Ih.day
monlhly pl)'llle.'ure due und.r lhe Nole, untillho Nolel, paid ill lull. a,um ("Fund,") lor: (.) yearly I.... Ind ......m.nl. whl.h OIlY
.1101. prlorily over Ih. SecurilY INlrUmeol ...U.n on tho Property: (bl )'Ouly leasehold p.ymen.. or around renll on Ih. Proporty,If
..y: (c) )'Ouly huard or propeny buun... pre..iu...; (d) year\3' Oood buuronc:e premlullll, II..y; (e) )'O.dy mort.... Insur.nee
premium, If any; and (0 any .um. p.yable by Borrower to Lcbdct, In accorducc willl tbe provialOnJ or paragraph "In nau of the
payment ormorl.qelRlurancc prcmtuINI. Thete ltemllrc(;allcd"Elcrow ItemJ."Lendcr may,.t uJtlmo. collect and hold Fund. In an
amaunl not ta el.CCCd the mnlmum amoual.leader for I fedually relaled mortlq: Iou may require for Borrower', CICIOW accounl
under lhe ledenl R..I E.I.te S.UI....nl Pr......... Act 01 1974 as amonded Iroll lime 10 lime. 12 U.S.C. . 2601 ., ffl/. ("RESPA'"
unlcu another law th..appllea to tho Fuodt ICtlalcllCf amount.lrlo, uDder may, atlny dme. collect and hold Fundi In In amount not
to Clcced the leucr amount. Lender maYl:ltlmatc the amount of Fundi due on the bui. of current dill and reasonable admltes of
..pendltures ollulure I!Icrow II.... or othe",',eln ....nI.... with IJIPlleabla I.w.
The Fulldo ,hall be h.1d In.n l"lltullon wholl d.pa""." luured by 0 leder.l...ney.INlrulDCn,.UIY. orenlity (lneludlns Lender,
II Lender" ,ueh .n Inllltutlon) or I. ony Feder.1 Ham. Loan Bank. Lendeuhall.pply the Funda 10 pay lhe I!Icrow II..... Lender may
not cbrae Borrowcr for holdIn, and Ipplyiaa1he FUndi, annually anllyain.lbe CK:rOW account. or vcrlfyina the E,crow Itcnu. unlesl
Lender pay' BOffowcr lntcrelt on the Funds and applicable la. pcrmllll.endcr to mate lueb . tharp. However, lender may require
PEII.SYLVAIIIA-$l.o".f'.I~-f_IlIJJ_...U.II011I..1III1Il f""'1OIt ItItOl (_10/4"",,1
fooWI38 f,r.rUfSi
.'
.
BorrOMr 10 ~one.lime chlrse ror an lndcpcndlnrrnl ellale IIX repo~ervJce Ulled by lender In connection wllh Ihilloln, unlcn
.ppUcableJ., /ldCl othcrwl.e. UnJclllnlln:ementilmldeor .ppUcab. ...W Rqulrealnlereltlo be paid. lender,hanna. be required
10 pay Borrower any Intcresl or tlmln.. aD the Fund.. Borrower and Lender may I.rn In wrlllo,. however, thl.lnlerallhall be paid on
Ih. Fund,. l.cnde"h.lI.i\1llo Borrower. wllhoul char....n .nnu.l.ceounlln. olthe Fund,.,howinl cr<dlll.nd d.bll"o the Funda.ad
IhI purpo.. lor which each deblllo the Fund. wu mod.. TIM: Fund.... pledaed .. addlllon.l..eurlty lorolhumuccured by thl'1lceurity
rnllrumen..
Jrlhc Fund. held hy Lender .....d the .lIlOunl. pennlll.d to be h.1d by .ppllcable I.w, Lendellholl.ccounllo lorrower lor lho
ca_ Fund,lnoccord.nc.wlthlh. ...qul...menl' ol."pUcabl.l.w. Jrlh. .mounlollh. FundI h.ld by Lend,r.t .ny lime I. nol,umclent
10 pl.y lbe Escrow Item. when due, Lender may 10 notify Borrower In wrillo.. and, In luc:hcue, BorroWf1' ,hall pay to Lender lhe amount
ncttUlry to mike up lhe ddlclcncy. Borrower ,hall mike up thedef1clency In no more thin twelve monlhly paymentl, I' Lender"l.ole
dloc:rellon.
Upon plymentln (1.111 oran IUlftllCCUrcd by thl. Securily Inltrument, lender.hllI promptl)' rerund to Borrower In)' Fundlheld by
Lender. II. under p.r....ph 21, Lender .holl."!ul.. or..1I the "'operty.Lender. prior 10 lhe ""lul,ltlon or llle ollh, "'operty.,h.1I
.pply any Fund, held by I.cnder .1 th.IIrne 01 ocquhlllon or III. IS . credll ...Inlllh..u... IOCUl'fd by thla Security Inlllllmenl.
3. ".....110. 01 Por_. Unles. .ppUe.bl.low pro.ldes olherwl",.1I paymenll....lml by Lender under par....ph. I .nd 2
shlU be applied: nnl, to any prepayment charpadueunder the NOle: ICCOnd, to amounll p8)'able under paralrlph 2; third, 10 Interat
due; 10llllh, 10 prlndp.1 due; and lul. 10 any Iole cho.... due under Ihe NOle.
.. C....OIl u,... Borro..."b.1I pay 011....., ......m"'... ch....., Ooe,.nd lmpoalllolll.Urlbul.ble 10 lhe Property which allY
attain priority oYer Ihll Security (nllrumenl, and leuchold payments or around reali, if any. Borrower shan pay lhete obllla1lons In Ih.
manner provided In paralraph 2, or If not pald In that manner, Bonowlr Ihall pay them on time directly to Ihe penon owed payment.
Borrower .holl prompUy luml,h to Lender 011 nollen ol.mouDII to bo pold underthl. p.r..r.pb. II Borro....r _Ih... pay""n..
directly, Borrower shall promptly (urnilh to Lender Rceiptl evidenclna the paymentl.
Borrowellh.1I prompllydilc:h."c ..y lI,n which hu priority Ovll Ihla Security 1llIllIIm.nt unl... Borrower. (.) ....., In writiDllo
th. pay...nt oflb, ob/i.aUoD Itcured by Ih.llm In. mann.r ....pt.ble 10 Lender:(b) CODIeIta I. aood I.llh the lI,n by, o,dd..duplllll
enlorcem.nt olthc lien 1n,1.p1 proceedl.p which In lhe Lender~ opinion ope"" 10 p.....nllhe ,nto...m.nt orlh.U.n; or (c) .cura
rrom tb. holderollh.U.n.n ........nt ..tW.dory 10 Lender ,ubordln.lln; th.lion 10 Ihb SecurilJllnat,umcnt. IILenderdctcnnlnc.
lhat any put Dlllle Propert, h ,ubJecllo a lien which may '1II1n priorily o>Cfthb Sacurity In&trumenl. Lender m.y .iw Borrower .
nollce identirylngtM lien. Borrowershall IIlldy Ihe lIen or take one or more oftllc actlonl Nt rorth above witbln IOdayt orw aivln, or
nollce.
5. H...... or Propere, IaIUIJ1C'I. BorrowcrahaU keep lhe ImprovemenlJ now ealstina or hereal'ter ~rected aD the Properly fasurecl
a..lnlllou by Ore, haurda tnchAded within the term -ca.tcaded toVlrap-and aay other haurdt, IncJucUa.nooctl or noodiol, ror"hle"
Leader '"'Iul...,ln,u...... Thil I..ur.... .h.n be muotuned In lhe IIDounta and ror t" perlod.lhat Lender ~ul.... TIM: In.......
clnler proridin. tbe insurance.hall be cbolen by Bonower lubject to Lender\ approva' which shaJl not be unreuonably withheld. rr
Bof'f'O'Mt faU. to maintain eovc....e dcacrlbed aboyt, LeDdermay, It Lender'l option, obtain cove..... to proud Leader'. ri,htlln the
Property In accordan.. wilb pa.....ph 7.
AU lnauranoe palleles Ind renewalllhall be IICCCpllble to Lend" Ind .halllncb.llI.ndlrd mortppdlUle. Leader .hall hftCthc
rl.hl tn bold tho pDllcI.. .nd ..oeWIIL Ir LeDder '"'Iul..... Borrower ,hall proDlptly 81\1110 Lender oIl..celpl. 01 paid p...mlom..nd
renewol Dotlcela.ln thcMnt 011.., Borrower .boll al\1l prompl oollce to tholOlu..... e.rri.r and Lender. Lender may m.1ea prool 011011
ir nOC made promptly by Borrower.
Unlculeadcr Bod Borrower otherwiae lam: in wrhlnl.lnauruec proc:ccdl.ball be applied to Rltoration or repair oCthc Property
d....aed.llrh. rlllo..Uon or l'fII.ir I. economleolly I,ulble and Lender~ .ocurity Is nOlleo....d. IIlh. ....Ior.tlon or ...palr iI nDI
economlcally (e.aible or Lender'slC'CUrity would be leslened, the Inluran" proceed.lhan be applied to the lumsaecurcd by thbSecurity
lnatrumcnt. "hcthcrornot tbcnduo, with any ellCCII paid 10 Borrower. If BonowerabaDdon. the Property. ordoes nolazuwcr within 30
dayal notice (rom teDderlhlt the Insurance carrier hll offered to lelUea claim. tben Lender may collect the InJuran" procccdJ. Lender
may lIIe the proccccb 10 repair or racore the Propert)' orto PlY tumslmlml by IhlJ Scanily Instrument. whethcror not IheD due. Tbc
3O-d.y period will bqin when tho notl.. h lliwn.
UnlCII Lcnderand Borrower olbcrwl.. .....1. wridna. .ny .ppUc.tlon olproc:ceda to prioclpollholl Dol "tend orpoa1jlOne lhoduc
d.tc olthemonlhly P')'lI1"'I. reI.rred to I. P......pba I and 20rcb""lhe amount oltho poymenta.lfuodcr par....ph 21 Ib, PropnIy
II acquired by Lender, Borrower\ rflht to any hlluranc::e polldca Ind proceed, rcauhlftJ rrom damaac 10 the Property prior to the
.cqui.iUon ,hall plSltO Lender 10 tho IIlenl 01 rh. .u... ....red by this Sacurily IDlllUm'Dtlmmedlatcly prior to the ""'laldon.
..Occu_'........Uon.M. _andProl_oI......opllfJI__~LouAppllallonll.co_.Bonowerlll.1I
oc:cupy,ntablhh, ud useth. ProperlY u Borrnwcr~ princlpaJ raldeae. within .iJ.lyd.,. oller Ihe.lOC1ltioo olthb Security I"'III...DI
and ahaUcondnue to occupy the Property. Borrower\ priaclpal f'CIidence ror at IeUI 01lC)'tU aRcrlhcdateoroccupancy, unIeII Lender
otherwin ......ID Wlill... wbleh co....tlll.1I 001 be unreuoubly withheld, orunl.....lenll&ll.. dreum.tao... ..1It wblch are beyond
Borrower" conlrol. Borrowerlhall not destroy, damqe or JmpaJrthe Property,..'llow tbe Property to deteriora1e, orcoaunlt WIlle on the
Property. Borrower ,holl bo Ind.r.ull if .ny lon.llu", oclion or proc:c<dlna. whelh..clvU or eriDlloal.I, bqun tbaI in Lendcr~ aood luth
Judlment could raulllD lon.llu... ollb. Properl, or olh.rwls. materiolly Impalrlh.' Ii.n c....t.d bYlhil Security In.llllmeot or Leader"
security interetl. Borrower may cure luch a derault ,Dd relnalate, u provided In pu;aarlph 18. by c:a\&llftJ the ac1lon or proccedin.to ba
di.mined wirh. rulio. th.l.ln Lender"sond I.ith delennln'llon. pltClucleo roncltu", ollbo Borrower~ Int'mlln the Property orother
maleriallmpalrmeat or the lien mated by tbls Security Instrument or Lendcr'llt>:urlly Interelt. Borrower shan a1ao be In defaullle
Bonower. durin. the loan 'ppUcation procaa, .a\'C materlally ralae or tnac:curatr. iD(ormllJnn or atatemenla to Lender (or rli~ to
provide Leoder with .n, m.lerlallntorm,UoD) In coonectloo with tho IDID ..ld",ccd by lhe NOI" Indudln.. but aot Iim~ed 10,
reprclC1ltations concernin, Borrower" OCCUplncy oCthe Property III prinelpa; residence. Iflhia Security Instrument" on a leaaehold,
Borrower.hall comply with oIllhe pro.iaiollloltho Ie.... II Borrower ocqul..., 1..1111.10 the PropertY.lhe Ie...bold .nd tho l..liUuhall
nol merae unleal Lender aarcca to the mcrpr la wrltln..
7.1'IoItd1o. oILald....R....loln rho PIapaty.IIBorrower 1.1i. to penonn Ih.cown.nta and .........nll contained in this S....rily
Inllrumenl, orlhare is aleBal prooeedin. that may .ipirlWltly affect Lender'l riahll in the Property (sum... procccdiDlin bankruptcy,
pro batt, for condemnalion or roriellun or to enforce lawa or reauJlllona), then Lender may do and pay (or whatever il Dcecalll)' to
prDlect Ihe ..Iue 01 lhe Property.nd Lend.r" ri.hl. i. tho Propert,. Lendcr~ 1CI10.. m.y Include payin. .ny .u.. ..ured by. lien
which hu priorilyover this Security Inllrumeol, Ippearlqlncourt, payfDl reuonable attorncyi' r", aad enlmn, an lhe Property to
make repail'l. Allhouab Lender ruay like actIon undu Ihla parapaph 1, Lenderdoea not have to do 10.
Any IIDounta dlsburxd by Lender unckr this pall...ph 7 ,hall hecom. additional d.bt 01 Borrower It""...d by Ihls Securily
InllrumcDt. Unita, Borrower and Lender qree 10 oIber~erm. orpaymcnl, theM anIounluhaU bear interetl (roDllhedatcordiabuncmcnt
It the Note rale and .hall be payable, with Intemt, upon notice rrom Lender to Borrower rcqucltina payment.
e. Mort.a..lllIII..n".1I Leader required mort....I..ur.... II" coodlllon ofOllkl.. th.lo.n ,"ured by tbls Sa:urlty Inllrumenl.
Borrower Ihall pay the premiuml Rqwred to mllntain the morta. insurance In effect. It, ror any reuon, the mort.. lnaurance
COYerale required by Lender lapats orc:easeslo be in effect. Borrower shall pay Ihe premlunu required 10 oblain coycrapaubatanliaUy
equivalent to Ihe mortPlc iDlurlnce ..' ''':oully In effect, at I COlt subllantlaUy equivalent to the colt to BORowcr or tbe morlpJc
- ,..... .1It _l~'_.)
ii~Hl38 FI.r.E1Hl
"""
"..,....
lruurancc prnioully In dfKt. (rom an _0 Ie monp8c 'naunf approved by Lendt._ 'JltantlaUy equivalent mort.aaelDluran .
coyer.., II not avlUlble, Borrower .haU pay to Lender each month IRm equal to ono-twellm 01 the yearly mortllae Insurance premium
bcln~ p.ld by Borrower whon Iholn,ul1Uloe ..,......lapsed or c:eaoocIlo be In eITeel. Lender wlllaooepl, u.. and retain Ih... p.)'11Ionll U.
loti RICM In ncp or mort.qelnlwlnce. Loll re.rYe payments ma, no lonaerbc required, It tbe option orl.nder, If mortpae huurance
..,ver...(ln lbe .mounl.nd lor Iho period thai Lender ..qui...) p,cnlded by an lnau..r appnnoed by Leador &pin be..,mca...II.blo oDd
I, obt.lned. Bor,ower IIIaII p.y lbe premlum. requlr<d 10 malntalo mOrll...ln,u",noe In dleet. 0' 10 provide a '0.. merye, Ullllllbe
requirement ror mort..lnlurance tad. in accordance with any nlten ..,cement between Borrower and Lender or applicable IIW.
,.I~.... Lender 0' III ...nl m.y make ..unn.b" enlrl.. upon .nd In.peellona ollh. Property. Lender Ihall II.. Borro....'
noli.. .,Ihe limo 01 0' prior to .n lnapeellon lpeelfyln. reuon.bla c..... lor lbe Inlpectlon.
,I. CoIIII.III..... The proceed. or ID1I.lrd ordalm for d&ll1lfel. direct or consequenU.I, Inconnectlon with InycondemnatJoD
or other I.kl.. ol.oy p.rt ollhe P,operty. or lor eon",yancc In II", ol..,odemnallon. ... he..by......lId .nd ,h.1I be paid 10 Lender.
In Ib.mnl 01. locoll.kln. ollbe Property,lbe proceed. ,hall be .pplled 10 Ihe,um,..cured by Ihl, S,",urilY InllrulDlnl, whether or
nol then duo, wi1h any uceu p.1d 10 Borrower. 10 Ibe mnl 01. p&rtlal 1.ldn. nllhe Property In whleb lhe 1.lr markel value ollhe
Property Immedl.ldybelo"lbe l.kIDBltoqull to or.....'er lhan 'bellllOUllI ollhe ,uml .......d byllUtSecurily IllIlrulDlnllmmedlllely
belo", lbe 1Ikl"l, unleu Bonowennd Leodorolherwlle .....In wrIlIq, the ,uma ,'"'u.... by IhlI Socurhy lnalrumeol ahaU be r<ducecl by
,be lOIoual ollhe pl'OOOOd, mulllpllnd bythelollowln. fracllon: (0)'" 10'.1 amounl ollhe lum'lOCIIred Immedl.le'y belore lhe III"n..
dlvldlld by (b) Ihe 1.lr markel val.. ollbe Prnperty Immedl.I.1y belldlhel.kln.. ^ny b.......1IIaI1 be p.ld 10 Borrower. In the..",lol.
plrtiall.kln. of the Prnperty 10 wblch lhe 1.1t markel valuo ollbe Pn>pelly Immedl.tely beln", 'hel.klnl II Ie" Ih.n lbe .mo.nl ollhe
,uma ,,,,"..d Immedl.lely belore IhelaklDl, .n"u Dorrower IDd Lender Dlberwhe .....In wrilln. or unl... .pplleabl.law otherwiae
provld... Ih. proceed. .baIl bu oppIllId 10 ... .um,...ur<d by IhlI Socurlty Inllrumenl whe'her or nollhe.UIDI an "'n duo.
Utbe Property I. abandoncdl by Borrower, or 1'1 artet nollce by Lender to Borrower thlt the condemnor alrer.10 make an nard or
IdIle . ct.lm lor d.OII.... Borrower falll 10 ..'pood 10 Leoder w1lbln JD d.Y' .ncr lhe d.te Ihe noli.. I. .Iven, Lender I,.ulhorlzed 10
..,UeelllUI .pply Ih. proceed.. II II' opllon. ellher to rea\.r.llon or repllr ollhe Property or \0 lhe .UlDlOOCUr<d by thl, Securlly
In"rumen~ whether or nol Ih", due.
Uole..Lender.od Borrowerolherwioo .....In wrill.., any app&atIoo 01 pr....... 10 prlnclpal,h.1I not extend or poIIpooe the due
date 01 the IIlOIIIbly paym..u referr<d 10 In p.",.r.pba I.nd 2 "cUn.. the lOIounl ohuch p.)'l1ICIIU.
11. lorrow.. NOC 1'_1 F-.act I, ..- Not . "'....... Ealellllon ollh. lime for paymen' 0' modlracllion 01
amortlr.aUoI orlhllutnlJecured bythll Security fnatrument ....nll111 by Lender to Iny luoc:euorln intere.. DlBonawer ,ban Dot operate
10 ..Ie... the U.bllllyoflbe ori.lnal Borroweror Borrower~ .u........ In Inl",,'.Lender.hall nol be requirocl 10 commence proceed in..
llllnoIany .__or lalnl"'" or ref... 10 exlend lime lor pi_lor olherwiae modlly .molllallon ollhe ,.........r<d by Ihll
Sec.my 100lnmonl by "'lIOn 01 any dl1llllld made by Ihe orialnal Borrower or Borrower~ .occcuotl In Inle...l. ^ny forbear.nce by
Lendct In exerdalna.lI)' rilht Dr remed1.baIl nol be. w.lver 01 or preclud.lhe ..c..lIe 01 any rilhl or ..mlldy.
IJ. 11II_ .0. AoaI.- ~ Jola. ... s.m.1 LIa*J; Co-Slp... The ooycnlllll and .."",menll 01 thl. Security
lnalrumenl oIuIl blod and benellllhe -... and ..I... of Leoder.ad Borro..er, ,objoct 10 lhe pIDYi"an, of p.nl'.pb 17.
Borro_~ c"""nlDll.od "l'CCIIlCnll,holl bejoinl and ....,,1. ^nyBorrower who 10-11.., thl. Scc1IrIly IllIlrumml bulducl noc .....te
the NoIe: (.) 1s....I.nl..lhl' Sccurity 100Irumenl only 10 mOrlJlll.l'.nl.nd ..,nvey Ih., Borrower"lnl''''lln lhe Propertyuodorlhe
lerm' 01 thl, Seeurity IlIIlrument: (b) ill not penol1lliy obli....d 10 pay lhe IUDlIIOCIIr<d by Ible Securily lnatrumenlland (c) 11_ thaI
Lender aDd any olher Borrower mlJ' a".. to exlend. modify. forbear or mike Iny Iccommodations with relard to the terms of thi,
Security (""rumenl Dr lb. NOC. wilboul thai Bano....r.. conacnl.
U. LouCllarlIl.lllhe 10IDICalr<d by Ihi, Sec.rIly Inllru....,1I ,.bject 10 .I.w wblch 00\0 m.almum 10.. char... and Ih.ll.wl.
Onally Inlerprclnd anthatlhe Inl_1 or Dlherlo.n chi.... collected or 10 beeollectnd in_a with the I........d lb. permllllld
llmill. then:(.) .ny,..b 10ane,,-.haIlbor<ducnd by Ibe .mo.nt.........,.torod.oelhe......to the permlllnd IImil,and(b) any lUlU
a1....ycollectod from Borrowerwhlch ._lId permilted limlll will be..lundallo Banower.Leoder m.yc:boooe 10 OIIke Ihllrefuod by
r<ducln.lhe prlncipal owed IOlder lbe NoIe or by makln..direcl PlJll1Olll10 Borro....lI...luod ..ducot prindpal,lhe roduetion will be
IrellOd .. . partial plOpI)'11Ienl wltbout.ny plOp.yme.1 ch.........r Ibe Note.
14. N_ MY no:lce In Borrower provided lor In Ihll Security 100lrumen'lhall be liven by den",rI.. it Dr by mall1n.lt by Ora.
ct.u m.lI.nle.uppllc.blel.w r<q1Ilre, UII olanolher_hod. Tho oollce .hall b. directed 10 the Propeny Md..1I or .ny olber addreu
Borrower det;iJnates by notice to Lader. Any notice to LeDder Iha11 be siven by fint cla.. mall to Lende"'lddrcu stated herein or any
olher .dd.... Lender de".n.l.. by notice 10 Borrower. ^ny nOllce provid.d lor In thl, Securi.y lootrumenl.haU be deemed 10 have been
liven 10 Borrower or Lender when liven u provi6ed in this parqraph.
15. Conndn. Law, Sotenbllly.nll Securily IllItrumenl.haII be .overned by IlIderollaw.nd lhe I.w ollhejurlldlctlon in which
the Property I. located, In tbe event that any provision ordlusc ofthl. Security InJtnlmcnt orlhe NOICc:onRict_ with .ppu.c.ble Ilw.luch
..,nf1Ictah.lI.olalTect ocber provlslolllollbillSecurlly lo"rumeol Orthe NoIewhleh CIIl be slvcnelTcct wllboullhe ..,nRiclinIProvlaio..
To this end the provision_ of thll Security Instrument Ind the Note arc declared to be JeVlflble,
16.1otto_.. Copy. Bo'rower.haII be Ii- one eonlormod copy ol.he No', and 01 Ihls SecurllY Ins\n1lllOnl.
17. 1'ruoIoroU"1'npoa1J on ......iaIlntorn1ln 1_.11 all or any pari ollbe Property or .ny Inte_ in II II .oId or
tnuferred (or If. bcacficia1lnlcrat in Borrower I. .okS or lranalmcd Ind Borrower I. not. natural penon) without Lender" prior
writtenconsenl, Lender mlY, It It. option. require Immediate plJI8Cnt In full of aU IUms aecured by Ihla Security Iftltrumem.. Boweycr.
thll option .hail not be exen:lIId by Lea.der if eJ.erciw is prohlbleat by foderalllw .. of the dlta of thb Soeurity Instrument.
II Lender..crclle. thl, opllon, Leaderahalllivc Borro_nollco ollCCCleratlon. 1be nocloo IIIaII provide. period oloo'IIX.lhanJD
d.Y' lrom lbe d.te the nOli.. II d.llwr<d or mailed wilhlo whi" Borrower mWl p.y .n,om,....rlld by Ihll Securily In,trumenl. If
Borrower lalla to p.y 11_ .u... prior 10 Ihc ea~i"llon ollhill period. Lender OIly Invoke .ny ..medico permitted by thl, Soc:urily
In.strument without further notice or demand on Borrower,
11.1orrow." RJeht to 1leInaIIt..lf Borrower mee.. certaia conditlon.. Borrower Iball have the rilht 10 have enforcemeat ollhla
Securlly In.trument dlaconllnued .1 .ny timo prior 10 the carlier 01: C.) 5 d.,. (Dr ,ueh Dlher period u .pplieablc I.w m.y ,pecify I.r
rcinslatemcnt) bc:rorcaalc of the Property punuut to..., powcrof nle contained In thb Security Jnllrumenl; or (b)cnlQ' of IJudamml
enlorelnl Ihis S,",urilY IllIlru.....'. Th... condillonl ....h.. Borrower: (.1 plY' Lender .n.uma which lhen would be duo under this
Securily Inllrumenl.nd lbe Note u Ifno ......rllloo bacllXlCurrlld: (b) curea ..y dol.ul. of any other ..,VOllll\II or llrocruenlll(c) p.,.
alleapen"l Inc.rr<d In enloreln. Ibil Securlly Inmumenl. inc1ud!n1, bUI DOl "mlled 10,lUIOllIbI. .ltonlCyI'leco;.ad (d) lake'lueh
acllon u Lender maY..lIOn.bly ..qulrelo lIIurethatlh.lien ollbla Security Inltrumenl. Looder', ilahll In lhe Property and Borrower~
oblipllooln plylh. luma,,",u..d by Ihll Security In,".menl,ball eonllnu. unch.np. Upon relnatllemenl by Borrower, Ihlt SecurllY
In,lrumenl.od lhe obnptlonaaecur<d hereby ahall ..main 1.1ly eITeellve u 1100 accc1e"'llon had occur..d. How..er, this rIlhl 10
relnllll' .ball nol .pply in lhe ClIO ol....lentloo uoder P"lpapb 17.
.,. S.loolNoIol C~...."Loa. _. The NOle Dr. p.rtIaIlnl....11n tbe Nole ClOIOlherwllh Ibla Soeurily lnalrum.nl) IDlY be
sold DRe or more llmel without prior DDIke 10 Borrower. A llle may nlultla a chanae in the entity (known u the -Loan Scrvicer" that
collectl monthly pl)'meDII due uDder the Note II\d tbil Sealrity IMlrument. l1Ierc alia may be oae or more chlnac_ ohhc LoanServk:cr
un..llllId 10 ...1. ollha Nole.lllhere II. eha.,. ollho Loan Servlcer, Bnrrowerwlll be ....n wrillen ootloe ollhe ch....ln acco........
with p'''lr.ph 14 .bo", and .JIIlUe.b..law. The oollce wlIlll.te'" name .nd acIdreuollbe new Loan So",loer.od lhe addreulo which
paymenl. lboald b, mid.. The n011ce will a1,o ..,.taln .ny olber lolormallon requirocl by .ppllcable'.w.
'_JOII 111IO) _hI......)
20. HII.r~.. BubltllKl'I. Borrower ,hall nol ClUM! or permit the ~e, u.e, diIPOIII,ltorl&e. or rrleut 'Of Iny Uaurdou.
SUb...nce.onr 'Ihc Properly. Borrower,hall nol do. noraUow anyone ,1 ,;do,lnythlnl.fTcctin'lhe Propcrtyth.t I. In violation of
In)' En~ironrncnllll.w. The preced1na Iwolenllna:l.hall not.ppJyto the prttenee. use, Orll01'llfon Ihe Proptr1yohmlUqulnliliel of
fflllnlOU' SubUanca Ih.t arc aencrllly recolnlled 10 be appropriate 10 norm.lmidenll.1 ".e, and to malnlcnlnCl or the Property.
Borrower ,hall prompUy Ilw tender wrfflcn notice of .ny invent.allon, daJm, dem...... IIWIUIt or olher action by any IDwrnmmtal
0' r..ul.lory ...ncy 0' prly.l. P'Ny Inyolvln, the: Prop.rty .nd lilY H...nto... SUbol.nee 0' Envi,onmenl.1 Lawolwhleh Borro....' hll
Iclualknowledge. If Dorrowfl' learM, or I, nOllncd by any .owmmenttl Dr rqul.lory luthorily,lhl'lny removal orolher remediation or
'n)' Hallrduul Sub,I,nce .rrtc:tlnllhe Propenyll necwary, Borrowcuhan prompll)' t.Jeeall nece.llryremedl.1 actlonl f. accord.nct
"i1h EnYlronm.nlal Law.
A. ulld in Ihll p.rtaraph 20, "Haurdoul Subst.ncel" are those IUhll.nca denned U lo)Cic or huardouI lublt.nea by
En\llronmenlal L,w and the rOllowln. lubll.nnl: ploUne, lerosene, other "&II1mable or lu)Cle petroleum productI. IOAle pcllJcldn and
hcrblcldtl, vol.tlle lolVtnll. m'lerlala conl.lnln.llbellol or rorm.ldeh)'de. .nd rAdlo.ctlve materia'" A. ulCd In thl. p.r..,.ph 20,
"Envlronment.1 L.w" rue'N (ederal laws .nd I.w. ollhe Jurhdlctlon where the Properly I. loc.ted lhat rell" 10 heallh. ..Iety 0'
environmental prolectlon,
NON.UNIFORM COVENANTS. 8o"owe,.nd Lend.r funh., COY'.lIlt .nd ....... folio""
I., A..tI...I....; R."""I... L_,..IJ ....onoll..1o lorro_ priorlo ...tI...II",,'oIowbl.lotron,\ b...h ...n'..........
... ......nll. Iblt Seturll, 'IIlru..... (...110I.....10 ........lIon __ p.'....,..7 .- .....-...law p'OYIdot ........),
Load..,b.U noll', Borrow..... ........... I.....' (.) th. d"'ull; (b)lh........ nq.....,o __Ih.........;(., ""..lilt............
ba wnd,lII4 (d) '..1 '''.r.'ota..... doI.ull.,paellltd .., III'" In ....It..II"" .'Ihe __........ b, 1."SeturllJ '..Iru......
lor..lo..... ., IMI.... ,._odlnl .nd III. 0' the ~" .....d. _ rurtlo" Woe.. Iononr .. lilt II.., .0 ....... .....
........tIon and I~. IIPlI. ...." '" lba 'on....... prnelldln. the -..olote... of. doraull or.., otlllt ...... o. .....u... to
....Io,.lIon lid 'oraeloau...lllhod".ull 1,IIOI_tel. .podnod.l.eMtt.llla option 1M' .""'n ~Iat...,.... .......0'''''.....
....... b, till. Setutlt, lnatru...nl.........1 fartb.. d....1ld and.., lor.l... """ _", ,.._,"" Judl.... pto......., ........
IllaJI he ..IIlIedlo co/lld .""_,."''''. In pa.......lllt '....... ptoYldad"1Ido JIIIIIIIIph 21. Ind..... bill no'llnINod I..
.Uo...,."_." coaI,..lItlo arid.... 10 lilt oalenl pan/lltd b, 1f\IIJ.....,.w.
11. ....-. Upon p._nl 01 all.u......ured by this S....:lI' In'trum'Dt,'''' Steurlly 'n,'rumenl.nd lhe:estatec:onyeyed altall
term In... .nd become void. Art., ,ueb o..u,,,..., Lender .hall dllCharp IDd IIIbfy thl, Securlly 'o"rumeot Wilhoul ........ I.
Bo"ower. Borrower thall pay any l'tCordalion COIl..
U. W..w... Borrower. to the Client pcnnlucd by applic.ble Jaw. walvttlnd relc.leI.n)' error or derec:tl in proceedlap to Inlorce
Ihl, Security 'nurumenl,lnd hereby w.hoelthe benefit orany present or future laM providfna (oratay of'cJlccutlon, cxttnalon oCtime,
exemption (rom auachment, levy and IIle, and homaleld enmption.
U. RtI....I.....1 P...... 80"0""'\ tlm.,o ,,In'''I. provided In p......ph 'BoltaJl,'I.nd 10 0" hou, prlDttoth.comm.nc:emenl
of hlddlllll.t .,h.rim. sale or olh., III. panUlllllo 'hi, Seeuri'y lllllrOmenl.
25. Pwcha.. Mon" MartPII. If Iny ollhe drblleCUred by this Security lnalrument l.lcnt 10 Barro,", 10 acquire title 10 the
Property, Ihl. Security 'o.l,um"I,ball b.. pureh... money moN.....
~.I.temt R.t. Aner '-,lIIeM. Borrowtr..rea thll the IRterat r.le payable after ajudam.nt .La entered on the Note or In an
1ICll0n of mar'Ne loreclosure shan be the ralt p.yable lrom time to lime under tho Note,
17. Riden 10 'hla Sacurll, IIII_nl. If 0.' 0' mon: rld.n." .....Ied by Bo,ro".r.nd ....ordallo.elIxr wllh thl. Seco,lly
Instrument. thecuwn.ntllnd 8sreemenllofcach such ridcr.hall bclncorporaled Into and .hall.mend IIrIdluppJemeat tMtovcnlntl
.nd lIf~menlJ .rlhlJ Seeu,i1y 'nllnuncn..lr,h. rld.l{.j were. pan .'lhlJ Security Inll,um.nL [Cheek applleabl, box(e,))
~ CJ Adjm"ble R.I. Rid., CJ Condominium Rid., CJ 1-4 F.mlly Rider
() CJ G,aduat.d P._nt Rld.r CJ PllOned Unll Dm:lopmen' Ride, CJ Biweekly P.)'IIIml Rid.,
~
C CJ Ballooo Rid., CJ R.I,'mp,oVlm.o. Rid., CJ Sctond Hom. Rider
(J<i CJ 01he:1{.) [specify)
BY SlONINO BELOW. Borrower ICccplllnd _,reel 10 the tClltIIand coveaantl contained in this Sec:urity Indrument.nd in aay
,ldel{'j .....Ied hy Bo"owe, .nd ""onted with il. '
Wltnessesi
'-.::;kt.-,~<<- )." , ~ ;1tT--' A
. ~.... .......... ........ .~:fj ..riJ........... .....
I
..;~/.,.~..%I....iL -::1 .co........... (Seal)
Clarence H. lIe1n1y III.-r.7 -Borru....r
" 210-54-4955
SocialSccurily Humber..... ....... ... .... ............. .0...
........... ....... ... ... .... ................ .... ...... ....................... ................. .... ...... ... (Seal)
-Borrower
Social Security Number
.....................................
1....._lIlItUatr......_.........,
COMMONWEALTH OF PENNSYLVANIA, Cunbcrlnnd ('ovalJ_:;,~l~"':..'~~
O.lhll.lhc 4th. d.'l1r J')pr""'''-r .1,-9L.bd'on-. .oI".I.l'i:' !l...,.... .
IlInadtnIJfltdol(lCn.rwfJcaall,IPPflrcd nhr"nl"A J.J JlA4nly TT.T ,1nowntolllC(Df'aa&U(Ktai!.' ." ~ t
.IlUte l..,ql) 18 IllbK,11xd 10 the .1IlU.lu:NlKftllwi ecbowlcdFd Ihll ne ~..
~ ....
lIec\ltCd'Ulllnlfor'_PUrpolnhcrtlnconlalntd. ;~....~ .'t'" .
IN WITNESS WIIEREOF. I h.nwuoM' '.""'. ~~... . ........;.../. ::''1
-= '.51"' ....-...'., ""
Uy l'OMmiJalOIl Clph" r.fo:l~I!!a.l '.:~;J~ ~-J':';' ;'.:':.r
G);.....:M. 'fl.. ''If.\,',t', "!Y~ ...~~r.."
;::".:..I":"~'. . :,.4Irr.:f1"f't ,.
\l."'~t'" ..',..i"';... .IJ.'~ ./.1rs4
,. ,..~t.i';;;.(.~fti:,;'i;;~..a'iil-
I hcrc.b} certify IhI'lh. ~'" tddnu oflhe wllbl. Mo".... 'lender) b
Min and IIlirket St. POD 350
Hechanic8bura PA 17D55
~: - r!At~ff~,J;:,
.. iiioi 1038 rm11UfJ
.10
Fa..lOlt (t..., r,., . "' . ,.,....