HomeMy WebLinkAbout98-02704
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" (b):t:f the mortgage ar.re,~rlll are t6 be reJnllltatea ,Qr
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pdd~ofll prior to the Sh~ii.llC' s~l\le,' Pla.intife~s,a9i:.ua1 attol."neYII'
,f~.ll (oll\loul'atedat oounsel'$ hou~ly rate) wiU be oh~rged bi.it:l~d
UP,9nwork, jilO~u~Uy ];lerllormed,
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I), (1\1] The ori,ginal prinCI;!.pal balanoe oll the Mortgage ill
"than FiftY,Thou/ilana ($50,0'00,'00) Dollars,
(b) ,Unde!:' Pennsylvania's ACT 6 of 1~74! l?laint;l.ff
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is not obUgated to rile!:',,\!! Notioll of' its Intention to
'Aoqf.llerate the mortgage, obligation by', oertified and 'by regular
ma':l:li\'l!J, 'prior to inJ.ti,aJ;ing foreclosur~, prooeedings,
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(a) The subjeot mortgage is governed by ACT 91 Of 1983,
(b) Under Pennsylvania's ACT'91, Plaintiff Mortgagee ill
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obligatM'to sell;'ye the ,Defendants wit,h potioeof thei!:' rights ,under,
the'~liomeowne:t;'s IiJmergenoy Mortgage Assistanoe I?rogrlilm"" by regular
'mailing, prio:t;'" to initiat!ng,forecldsun p;roQeeQings,
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(0) Appended hereto and inoo!:'porated herei,rl by :t;'efei:'emoe,
as ~xh~bit, 110',' are, oopies of the Notioes re'quired, hewing bfj\len llI~nt;.'
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the, 'date Set forth on the Notioe;
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(cU' The
Def$ndEltlts
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have
failed t.o maRe" a
timely
aPplioation for finanoial ass;l.stanCIe with the' PennSYlvli\nia H'ous!n~' .
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~inanoe Agenoy,
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TOOBTHBR W1TIl all the ImprovemenlS now or horcaflOr ereclCd on the propeny, and all cascmen18, appunonanCOl, and
flxlures now or hercaflOr II part of tho propeny, All rOIIIat:emen18and addlllons shall also be eovered by IIlls ScourilY lnslnlmen!.
AU of tho forelolnlls rererTed to In Ihls ScourilY lnstrUmenlll8 Ihe "Property,"
BORROWBR COVBNANTS thai BOlT\lwor II lawfully lOlled of the 081810 hereby convoyed and hu llIe rilhlto morltlalO,
panl and convoy tho Propeny and thalllle Pro~ony II unenoumbered, exoepl for enoumbrallll08 of record, BOrTower Wl\lT8llll lIIId
will defond lonorally tho IIl1e to tho Property asalnst all olalms and demllllds, subJcotl,l)IIIIY onoumbtlUlcOl of record,
THIS SBCURITY lNSTRUMBNT comblnOl unUorm COVenanlS for nlllonal uso .and non.unUonn coven8J\1S wlthllml104
varlallonl by JurlIdlollon to conllllUIO a uniform lcourtly Inllnlmenl coverlns roal propeny,
UNIFORM COVBN('\NTS, BOrTower and \,Andor Covellllnt and Isroo 118 followl!
1, Paym,nt of Prlncl~ala.nd Int.restl Pr.paym.nl and Lat. Char..., 1J0rTower Ihall promplly pay whon d~e tho
prinolpal of and InlOrell on tho debl evldeoced by the NolO and lIIIY prepayment and 1010 chlU'SOl dUe undor tho Naill,
z, Fund. for Tax.. and In.ur.no.. 'SubJOOIIll appUcable law or III a WrlllOnwalvorby Lond~r. . BotrOwor shall PlIY:\O
Londer on tho day ~bnthly paymonla'llre duo under tho NolO, until tho NolO !lpald In MI, . lum ("pund.") fori (a) yoar!y WIN
and 88ll1S1menll which may aualn prlorily over this Scourlly .lnstrUmenl 88 a lIell on the Proportyl (b) yearly leasehold paYmonia
or sround renlS on tho Property; If any; (0) yearly hllWd or propeny Insuranco premium.; (d) yO$!'ly flood Inluranoo preml\lm., If
anYI (0) yearly monsase Insurance premiums, If any; and (I) any sums payable by Borrower III Londor, Inaccordanoe with llIe
provlllonl of parasraph 8, In \Iou \If tho paymenlOf morlsase Insurance premiums. Theso IlOms aro called "Bscrow IIams,"
Londer may, alany limo, collCOl and hold Punds In an amounl ,not 10 exceed the rnllXlmum amounl a londer for a federally relalod
monsalo loan may rcq\lU:o for Borrowet's escrow accOlllll"under die fedorlll Real BSlBte Setllement Procedur~ Act of 1974 88
amended from lime to time, 12 U,S,C, Scollon 2601 "s,q: ("RBSPA"), unlessllnother law thlll applies 10 llIe Punds sets IIlesler
amount. If so, Londor may, at any lime, collCOl and hold Punds In an amounl nOlto elloeed the lesseramo.un!. !,.onder may
esllmalO dIe amounl of Punds duo on ,1I\e b/l.!lls of cUrTenl data and reasonable esllmalo$ of ellpendltures of fUlure Bsorow IlOms or
otherwise In acoordMce with applicable law.
The Funds shall be held In ~n Inslltullon whose deposllS are Insured .bY a federal pgency, InslrUmentaUly, or enlllY (Includlnll
Londer, If Lollder Is suoh an Inslltullon) or In any Federal Home Loan Bank. !,.onder ahallllpplY the Funds 10 pay the EScrOW
Items. Londer may nol charse Borrower for holdlns and applying IIle Funds, annually ll!1a1ydhS die escrow acoount, or verifying
the Escrow Items, unloss Londer pays Borrower Inlerest on the Funds and appllc~ble law penults Londer III make suoha oharlle.
However. Londer may require Borrower 10 pay a one.llme oharge (or an Independonl roal estate.laIl reportln~, serVloe used by
Londer In conncodon with this loan, unlessapllllcable law provides odlerwlse. Unless an agreemenlls made or applloable law
requires Interest to be pllld. Londer shall nol be required to pay Borrower any Inleresl or earning. on the Punds. Borrower and
Londer may all'oo lllwrltlnl, however, thlltlntereslsha!1 be paid on the Punds, Lender shall give to BOrTower, wlthoul oharge, an
annual accounllns of the Funds, showing credl18and debllS to llIe Punds and the purpose for Which each. deblllo the Punds wu
made, TIle PundS are pledged u additional security for all sums scoured by this Seeurity Inslnlmen~
If the Punds h.eld by Lenderollcccd IIle amounlll pennltled 10 be held by applicable law, Lender shaUacoountto Borrower for
the ellcess Punds In accordanoe wllll the rcqu\rements of applicable law. If the amount of ths Funds held by Londer at MY lime Is
not surnclenlto pay the Bsorow Items when due, Lender may so nollfy Borrower In wril\na, and, In such elIse Borrower shall pay
to Lender the amounl necessary to make up the defiolenoy. Borrower shall make up the deficlenoy In no mote dlan ,Iwelve
monthly paymen18, al \.Onder's ",Ie dlscrellon, . . "
IJpon pa~montln full of all sums scoured by this SecurilY Inslnlmenl, Lender shall promplly refund \0 BorroWer any \lunds
held bY ,!,.onder, If, under paragraph 21, Lender shall acquire or sell the.Propeny, Londer, prior 10 the aoqUlsltlon or sale of the
Propet\Y, ~haU ~pply any Punds held by Lender at the limo of acqUisition or sale 85 a credit aglllnsl the sums scoured by IlIls
securlly Instrumen!. ,"
3,t\ppllcatlen of PaymenlS, Unless applicable law provides otherwise, all payments recelved,by !,.ondor .under paragraphs
1 and 11. ~hall be applied: Orst" \0 any prepaymenl ohargos due un~er the NOlel second, 10 \Ul10UnlS payable under paregraph 21
third. \0 Intotesl duel founh,lo principal duel, and 1851, to any lalechllfges due under the NOLO.', ,. .." .
4. Ch"geSI Liens, Borrower shall pay all taXes, usossmenlS, ohargos; flnos and Impositions aluibutable \0 the Property
Which may aualn priotltY over this Soeurlty Instrument, and Iwehold paymenlll orSround rents, If My,'BotrOwer shall pay these
abllsatltlns In the mannor.~rovlded In parasraph~, or.lf nOI pald In tllal mannor, Borrower shall pay themontlmedlreclly 10 the
porson oWed~aymen~ Burrower shall promptly furnish 10 Lender aU nodces of amounts 10 ba pllld underll.lls parasraph. If
BOrTowcr mallos these paymbnlll dlrectly,Borrower shall promplly fumlsh to !..ender recelpt.'l evldenolns \he payments,
BOn:QWer shall promplly dlscharse any. lion which hu priority over this. Security Inslnlfnenl \lnlessBorrtllven(a) agroos In
wtltlnS..1o tile paymont of the obllsallo" secured by tile lien In a.mannoracceplllble 10 Londert (b) oonlNllIln gOOd faith the lien
by, or defend~aga!lIst enforc,~ment of dIe lien In, lesalproccedlngs whloh In the Londer's opinion operll\O 10 prevent llIe
enforqemenl of the lIen\ or (c) secures from the"holder of tile lien an aSrccment sallsfacloryto t.ond~r 8UbOrdltlaUna the lien 10'
'l/111 Sco.urilY Inslnltnen!. If tonder dOlonnlnes that any pan of 1lI0 Properly 188UbJectlo III1.onwhlch mBY atlaJn, P~O~I~ over this
ScoUHty Inslt\lment, lA,nder may give .lJorrower a notice Iden~fylnB the U,~n. Borrower shall sadsfy tho !len or take. one or more
of l\1e aoUon~lOt fonh ~bove within Ili days qf llIe glvlns of nollee, .
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P'o" oil
bood168 PAOE 263
porm 40.4 4"0
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",' . ",,':- .., 'j LOAN *1 1-980981-81
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5, Hazard or Prop.rly In.urann. Borrower shllll kCllP Ihe Improvemenla now eKlsllns or hereafter erected on Ihe Propeny
Insured alllllnll 1018 by fire, hlWlrds Inoluded wllhln lho teon "eKtended ooverase" and any olher hazards, Inoludlns floods or
,iloodlnll, for whloh Lender requires Insuranoe. This Insuranoe Iholl ~ malnlalnod In Ihe amounla and for !he periods !hal Lender
requires, The Insuranoe onrrior provldlns !he Insuranoe sholl. be ohosen by Borrower lubJoollo Lender's approvw whloh sholl. nOl
be unreasonably wl!hheld, If BOlTower falls 10 molnlalri ooveroso descrlhed above, Lendor may, 01 Lender's opllon, oblaln
coveralln 10 prolCCl Lender's rlShlS In Ihe Propeny In accordanoe whit paroBToph 7, '
A1llnsuranoe polloles and renowall .hall be occuPiable 10 Lender and sholllnolude 0 110lldard mongage olouse, Lendor .hall
have !he rlahllo hold Ihe pollclllll and ren\lwal.'l. If Lender requlrOl, BOlTower shall promplly Slvo 10 Lendor 011 rocelpla of mllll
premiums and renowal nollces, In !ho OVenl of 1018, BOlTower shall give prompl nolleo 10 dlo!nsuranoe onrrior and Lender" Lender
may make proof of loss II nOI modo promplly by BOlToWer, , '"
Unless L.ondor and BOlTQwor o!horwlse aBToo In wrillng, Insurance pl'QCeeds sholl be appllod lo,reslOrallon or repair of !ho
ProperlY damasod, If Ihe IOSlOrallon or repair II oconomloallyfoaslble and Lender's socurllY Is nOII088enod, If,lI1o rOllOradon or"
repair Is nOl ooonomloolly feaslblo or Lender's securhy would be lossened, 1110 Insurance prooeoduholl bo applied 10 1I10lums,
sooured by litis Sccurlly Instrumenl, whO!her or not lhon due, with any eXCoss pold to Borrowor, If. BOlTowor abandons lito
Propeny, or does nOI ansIVor wl!hln 30 days a nollce from Lender dIal ,1110 Insurance conicr hu offered 10 sellle 0 ollum, lhen
Lender may collcclll1o Insuranco proceeds. Lender may use lhe proceeds 10 ropolr or reslore Iho /'topeny or 10 pay sums soou,roll
by Ihls SecurllY Instrumenl, whe!her or nOI!hen due. Tho 30.day period will besln when Ihe nollce Is slven.
Unless Lender and BOITolver olherwlse agree In wrlllng, any appllcallonof proceeds 10 prlnolpw sholl. nOI eX!end or pOltpono
Ihe due dllle of lho monlhly pllymelllli refelTod 10 In parallraphs I and 2 or ohanse Ille amount of Ihe payments: If undor paragr~ph
21 lho Proporty Is aoqulred by Lender, BorrOWer's right 10 any Insurance pollolos and proceeds rosulllng from dll/l1,aae to lho,','
ProperlY prior 10 lhe acquisition shall pass to Lender 10 tile eXlem of Ihe SUlnl secured by ,litis Securlly Instrumentlmmedlatoly
prior 10 !he acquislllon,
6, Occupllncy, Preservatlon, Mnlnlenance IInd Protection of Ihe ProperlYI Borrower's Lonn Appllcntlonl \..ellseholds. '
Borrower shaU ocoupy, oslllbllslj, and use the Properly as Borrower's principal resldonce wllhln SUtI)' days after lI1e exocutlon of
Ihls SecurllY Instrumenl and shall continue 10 ocoupy lhe ProperlY as Borrower's prloclplll residence for lItloast ono YOlU' af~r lho
dlllll of ocoupanoy, unloss Lender olherwls~ agrees In writing, which oonsent sholl not be unreasonably wllhheld, or unleSS
eKtenullllng olrcumstances eX11l which are beyond Borrower's control. Borrower shall nOI destroy, dnmage or Impall' Ihe PrOperly,
iIJlow the Propeny 10 de!erloralll, or commll Wasle on Ihe ProperlY, Borrower shall be In defllull If any forfolluro aotlon or
proceeding, whelher olvll or criminal, Is begun dlulln Lender's good fallh Judsment could rosult In forfeiture of Ihe Properly llr
olherwlse materially Impair lhe lien orOllIed by Ihls SecurllY Instrument or Lender's securlly Interos~ Borrower mllY ouro sUell a
default and relnsllllll, as provldedlri paroBTlIph 18, by oauslng !ho lIction \lr proceeding 10 be dlsmlSled wl!h a ruling Ulll\,1n
Lender's aood fullh determlnllllon, precludes forfeiture of Ihe Borrower's Inlerestln Ihe Propeny or olhar ma!erlnl,lmpnlnnpN of
Iho lien oreated by this SecurllylnSb"Ument or Lender's securlly Intoresl. Borrower shall also be in dofoulllf Bortowor, durlngll10
loan application process, gaVe materiully fuls,e or Inacourale Infonnation or sllllCmenla 10 Lender (or folled 10 provl~o Lender with"
any mllterlul Infonnallon) In connection wllh Iho loan evhlonced by die NOIll, Including, but nOl Umlled 10, represenllltlons
concerning Borrower's occupancy of tile Property as a principal resldenoe, If dds Security InstrUment Is on a l.oiIsol1old, Bortowllr,
Shall comply \Vllh oIllhe provisions of Ihe lease, If Borrower acquires fec titie 10 tiloPropeny,the leasehold and Ihe foo IItio shall
nOI merge unless Lender agrees 10 the merger In writing,
7, Prulectlon of Lender's RlllhlS In Ihe Properly, If Borrower fulls 10 perfonn lito covenanlli and ngroomenlSoonllllnedln
Ihls Securily Instrument, or lItero is a legal pr~ceedlng tillll mav slgnlficantiy affect Lender's rlghlli In tho Propeny;(suoh ,/IS n
proceeding In bankruptcy, prObate, for condemnotion or forfellure or to enforce laws or regulations), Ihen Lendormay dO',lII\lI pay
for whatevor Is necossary 10 prolecllhe value of the Propeny 1I11d L.r's rlghlS In lI1e ProperlY, Lendor's 1I01l0ns may ~clUdO
paying any sums secured by alien which has prlorlly over dlls Security InstrUmen~ appOllrlng In court, paylog reaSonable
IIttomoys' fees and entering on Ihe Propony to make repairs, Allhough Lender may take action under lhls para8\llph7. Lender
does 1101 have to do so. ' ,
Any amounts disbursed by Lender under 1h,Is paraBTaph 7 Iholl become additional debt of BorroWer securedb)' IhIsSoolll'lly
Instrumenl. Unless BorrOWer and Lender aBTOlI 10 olhor lenns of paymen~ dIOSe nmounts shall bontlntores(from lito, t1a1O of
disbursement atlhe NolO rate and shall be payable, wllh Inlerest, upon notice from Lender 10 Borrowor roquO$lIi1apa~ment.
8, Morlgallo Insurance, If Lender required mOrlgllge Insuranoe as a oondlllon of making Ihe loan secured' bY'lhIsS~urltY,
Instrument, Borrower shllll PllY lito premiums required 10 mlllnlaln Ihe mortSllge Insuranoe In effec~ If, for MY,r04Son! lite
1lI0rlgllge Insurance coverago requltedby 1.onder lapses or ceases 10 be In offecl, BorrOWer shall pay lI1e proml4ml f~(iu\r4dlo
oblllln coverose sub~ll\Illlally ~ulvalentto lhe mortgage Insuranoe prevloully Ineffooti al a COSI sUbSllIIItlaUy:,oquIVjI!Onllll tll'
ooSt to Borrower 01 tile mortgago Insurance previously In effecl, from OIl allemale morlsago Insurer RPPftlvod,~y4n~Wli'
substanllally equivalent mongago Insurance covorall~.ls not available, Borrower shllll pay 10 40det ~oh'ltIOnthIl8unt,CXI<<~ .10
one'lwelf!h of Ihe YOlU'ly mortsage I.nsurance promlum bolng ~oId by Borrower whon Ihe Insuranoo cOVotll~~JaP~Qr.~...041O
be In effec~ Lender will sccep~ Use and rolaln'lheso paymehls as a losnesorvo In lieu of mOrlSJSo InsljlW\co;.L.O.-lW6rvll
~'OR(PA)I'1011
Pl'> 1018
I'orm a.a':,lItO
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paymonll may no lonllor bo required, al 010 opOon of Londer, If mollllallo Insuranco covorallo (In 010 amounl and for 010 period
that Lendor requllllll) provided by an InslIror approved by Lendor allaln bocomos avallablo and Is obUllnod. Dorrowor shllll pay 010
promlums roqulmlto malntaln mOllllngo Insuranco In crfecl, or 10 provldo a loss resorve, unllllllo requlromont for mollllallo
Insurance oneil In accordance with any wrlllen allroomonl botwoon Dorrowor IIIld Lendor or appllcablo law,
" Inspection, Londor or Its allont may mako rossonablo enlrios upon and Inspoc~ons uf 010 Properly, Lendor shal1lllvo
Borrowor notlco al tho tlmo of or Prior 10 an InspooOon spoolfylng rOlll.onablo couso for tho In.pectlon, .
10, Condemnation, Tho rrooeeds of any award or olalm for damallos, dltool ur consoquontlal, In connootlon wltll any
condemnation or othor lIklIIll 0 any part of tho Propolly, or for convoyanco In lIou of condemnation, aro horeby u.lllned and
shall bo paid to Londor, . .. . . .
In tho event of a total taltlnS of th.o ProP~YI tho proceed. shall bo applied 10 tho sum. .ooured by thl. Securlly In'lr\lmenl,
whothor or nOI thon duo, with any OXCOlS paid to Borrowor, In tho ovenl of a parllal talUnS of tho PropertY In whloh tho fair
mar~ol valuo of tho Propol1y Immedlltoly before tho laklnSls oquallO or llmlOr than thumounl qf tho lum. sooured ~y this
Sacurity Inslr\lmenllmmedlately before tllo talUnB, unlOl' ~orrowor and Londor othorwlso laroo In writing, tho sumllOOured by
thll Security Instrumenllhall be reduced by tho amounl of tho proceeds multiplied by tllo followlnll froc,tlonl (a) tho total amounl
of tho sUms sooured immediately hoforo tho taking, divided by (h) tho fair ml\l'kol valuo of tho ProperlY ImmodlllOly before tho
IlIklnll. Any balanoo Ihall be paid 10 Dorrowor. In tho ovonl of a partial IlIklnll of tllO Proporly In whl,oh tho fair markol vllluo of
tho Proporly ImmodlalOly boforo tho taklng Is loss than tho amollnl of tllO sums secured ImmodlalOly boforo the lakln8, unloll
Borrowor and Lendor othorwlso a8m In wrllln8 or unloss npplloablo law otllorwlso provldOll, tho prooeeds shllll bo applied lo.the
sums secured by this SoourilY Instrumonl whother or nOI_sums aro lllon duo. . . .
If the Properly Is abandonod by Dorrowor, or If, aflor nolloo bY L.ondor \0 Borrowor thai tho oondomnor offors\O mako an '
award or soltlo a claim for d8magos, Dorrowor falls to rOlpond to Londor wl\hln 30 days allOr tho dalO tllO ootlco Is llivon, Londor
Is authorlzod to oollect and apply tho preceeds, al hs opUon, olthor to rOllOrallon or ~palr of tllO Property or to the sums secured
by this Security In.trumonl, whothor or not thon'due. '. .
UnlOls Londer and Borrowor o~lorwlso a8rco III wrlUnll, any applloaUon of procoods \0 prlnolpal .hallnol oxltnd or poslpono
tho duo dalO of tho monthl~ payments roferred to In paralll'aphs IIIIId2 or ohan80 tho IUnounl of suoh paymonts., ,
11, Dorrower Nol Releasedl Forbearance Oy Lender Nol a Waiver, EXlonslon of the Umo Cor paymonl or modlflcaUon
OC amortization of thftsumssecured by this SecurllY lnstrum~nt grlUlled by IAndor to any suocessor In IOIer081 of Borrowor s~oJ\
nol oporalO to reloaso tho lIablUlY of Iho orllllnal Borrower or Dorrower's sucoessors In InlorOl~ .Londor shall nol bo roqulrod 10
commenco proceodlngs agalnsl any succOlsor In InlOrOlI or rofuso \0 oxlend Umo for paymonl or othorwlso modify amol'\l7.atlon of
tho sums secured by \hIs' SecuH\}' Instrumonl by reason of IIIIY domand mado by the orllllnul Borrower or Borrowor's sUcoo.qsors
In InlOtes~Any forboaranoo by Londor In oxerclslnll any rlllhl or ramedy shall nol be a walvor of or preclude tho exorclso of any
rlghl or romedy, , ' .
12. Successors and Assigns Doundl Join,! and Several LlabllllYl Co'slllnors, Tho covonMts, IIIId aarciomonlS,6f this
Securl\}' (nstrunlonl shall bind and benollt tho SUCCOlsors IIIId asslllns of Londor and 13orrowor, subjecllO the ptovlslons of
parallraph 17, BQrrowor's covonanlS and allreemonlll shallbo jolnl and several. Any Borrowor who co.slllns this SoeUrlly
Instrumonl bUI doOl not oxecUte tho NOIOI (a) Is co.sl8nlnll this SecurllY Instrumonl onlY to mOrlgalle, granllllld Convoy, that
DOlTowor's lnlo~lln ll10 Properly undor tho tonns of this SecurllY Instrumon\; (b) Is not porsonally obllBalOlllo pay tho sums
secured by this Security Instrumon\; and (0) agrees that Londor IUld IIIIY other Borrowor may IIl11'eo 10 eXlond, ml)dlfy, CorbCQror
make any accommodallons with r08ard 10 tho IOnns o(thlsSecurl\y Instrumonl or the NOle wlthoulll1al Borrower's c6nsonl,
13, Loan Charges; If tho loan secured by this Securlly Instrumonlls subject 10 a law whloh solS mllXlmum 1081\ chl!!'S~,
and that law Is nnally Inlorproted so that tho Inlorest or other loan oharlles collected or to be collected 10 connection with' tho lolUl
exceed tho pennllled IImlL'l, them (O)IIIIY such loan oharllo shall bo reduced by \he amount necessary \\l. rC4ucotho oharso \0 tho
ponnlllod 11m III and (b) any sums already collectod from Borrowor whloh oxceedod pennhtod IInttlS wlllbo rerundOll to Borrowor.
Londor'may chooso \0 rnako thll ~~run~, by reducing tho prlnolpal owed undor thO NOlO or by maklns a dltecl paymonllO
Dorrowor. If a reCund reducos prlnelplll, tho reduoUon will bo trOllied as II partial prepaymont wlthoul Ol\y propaymonl ohll!'gn
undor tho NolO.' '.
14, NollcOl, Any nollce 10 Borrower provldod Cor In this SeCurlly Instrument shall bo given bydollverlng II or ~y mlllUlIsl\
by fuSI class mall unleu applloablo law requires uso oC anothor method. Tho notloo shall bo dltoolod to tho Properly Ad\ltoaa or
aoy other addross Borrow~r. dOll8nales by noUce to Lendor. Any noUco 10 Lender .shall bo slvon by C1rsl olass mall 10 Londor'.
address Slated horeln or any othor address Lender dOllgnales by noUco 10 Borrower, AnY' noOco provided cOr'ln this SOQUr\ty
Instrumont shall be doomed 10 have been lllven 10 Borrower or Londor when lllvon as provided In thlsparasreph, ". "
I~, Governln8 LillY' SeverabllllY, 11lls Security Instrumonl shall, be 80vemod by fodoral. law lIII~ \lIo ,I~w'of tho
jurlsdlcUon In which tho ProporlY ,Is located, III Ule Oyonl thlll any provision or olauso of thlsSecurlly lnsll'\lmonlor.the "'910
oOOOlClS with appllcablo law, suoh connlcl shall nOI affecl oth,r visions of IIIls Securlly,llIstrumonl or tho NolO whl9h 0$11 be
lllvon offecl wlthoultho conOloOn8 provision, To this ond the , I,~s' ,~f II1ls SecurllY In$lnll1\enllll\d the NolO art dealNtd \0
bo soverable, , ' ') ,",' " """ '
,,' I ' , I ~~''" .0...8180
cQ..IIIlPAlIS10l1 paosUIS \Jnur.IiI'I', '
" '. I booK1~e8 PACE 2&6 ' , .,
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16; D~rrower" Copy, Borrowor .hall boglvon one confolmbd copy of'tho NOlo and of thll Securily InallUmen~ .
. ' 17, Tran.f.r of Ih. Prop.rly or a B.n.nclallnl.rtllln Borrower, If all or an)! part of tho ProperlY or any Inloroalln III.
sold or Illlnaf.rred (or If a lienonclal InlOroalln Borrower I. lold or lran.fDITed and Borrower II nOl a n'IWlll pol1Qn) wll/loul
Lonller'. prior wrillon conlOnl, l.ondor may 01 h.opuon, rogulfo ImmodlalO paymenlln fuU of IIlIlum.lOOurod by Ihll SecurilY
Inllrumon~ Howovor, thla opuon ahlll! nOI be ox.rcl.ed by Londor If oxercllO II prohlblllld by fed.rallaw II of tho dolO of Ihll
SecurilY InlllUmon~, , ' .
If Londor exorclloa ,lhl. opllon, Londor Ihall Slvo Borrower nouee of aceolerallon, '/11e nolleo ahall provldo a period of nOl,lOII,
than 30 daya from tho dato 11I11 nolleo II delivered or mailed wllhln whloh Borrower mull pay aU auma lOOured by Ihla Securll)!
InlllUmon&: If Borrower fa1l. Ia pay thoao auma prior 10 .the explrallon of thla poriod, Londer may Invoke any romOdI," pormltlOil,
by thla SecurilY InllrUmenl wlthoul furlhor nollco or demand on Borrewer, " .
18, Berrow.r'. RI.hlto R.ln.tal., If Borrower mooll cortaln condition., Ilorrower ahall havo then.hl ,~ have
enforcemont of thla Security InalrUmenl dlsconllnued at any lime prior 10 the earlier ofl (a) S do," (or ,uch QlIler ~od M
applicable law may apcolfl' for rolnalalentonl) bofllre sale of llIe ProperlY pUrtlUanllO any powor of Ilile oonllllned In \hI. SecurilY
InallUmonll or (Il) entrY of a Jud.monl enforclngthl. SecurilY In'llUmenl, Th080 condlllona are thai Borrowor: (a) pay.. Londo, oJ,
.um. which then would be duo under thl. Security In.llUmOnl and the NolO as If no accelerallon had QCcUlTodI (b) curoa any
default of any other covenan, II or asroomenlll (0) pay. all oxpenses Incurred In OIlforolng 1I11. Securily In'l1\lmenl, InoludlngJ bUI
nOlllmlled 10, roos, onable 0110, moys' focal and (d) lIIko8luoh acllon as Londer may roos,onablY fOllulrc 10 asauro llIallhe lien or Ihl.
Securlly InaltUmenl, Lohuer'a I1ghll, In llIe ProperlY and Borrower'a obllgallon 10 pay 11I0 luma secured by thla SecurilY
InsllUmont shall continuo unchanged, Upon rolnstl\loment by Borrower, this Security lnlllUmonl anu tho obllgallona aecurlld
horeby ahall remllin fully effecllvo IIIlC no accolerallon hod ocourred, Howover, this righlto relnalOlO ahllil nOl apply In tho 011I0 of
accolerallon un~or puragraphl?, , . , , ' ,
19, Sale of Notel Change of Loen Servlcer, 'nil NOlO or a parlllli Intorest In llIe NOlo (togelher wllh, Ihla Securil~
Instrument) may bo sold ono or more limes wlllloul prior nollce to Borrower, A aalo may resullln a ohango In the ontllY (known '
III the "Loan Sorvlcor") that collecll monthly paymenl' duo under lhe NOlo and thla Secunl)! InallUment, Thore also may be ono qr
more changes 01' till Loan Servlcor unrolalOd to a lalo of Ihe Note, If thore la a ohango of tho Loan Servlcer, Borrower will DO
given written noUco of tho ohango In aooordanco with paragraph 14 abovo and appllQable law, Tho nollcs wlU atatethe nlUllo and '
address of tile now Loan Sorvlcer and 111,0 aUdress to which paymenll ahould bo ,made, The nollce will also con!aln any othor
Infonnatlon required by appUOlIblo law, ' ,
20, Haurdoua Subslances. Borrower shllil not cause or )IOnnll the pras, enco, UIO, Ulsposal, storage~ or rOloos, 0 of an, y
Hazardous Subatances on or In tho ProporIY' Borrower shllil nOI do, nor allow anyone elso to do, anything nfrecllng Iho PropOl:lY
!hat Is In violation of any Environmental Law, Tho preceding two senlOnces ahllil nOl apply 10 dloprcsenoo, uao, or a,lOrago on tho
ProporlY of small quanUdes of Hazarllous Substances I~at aro generally recognized to bo appropHalO to nonnlli residenllal uaes
and 10 malntenanoo of the PropertY,
Borrower shall prQJllplly glvo Londor wrltton nollco of any Invesllgallon, Clalm,domand1law, au It or othor lIoll,on by any
governmental or rogulatory agonoy or privale party Involving tho ProporlY MU any Hazardous :jubstanco or ~nvlronmonlOl Law
of which Borrowor has aetulli knowledgo, If Borrower 10000s~ or la notlneil by any governmenllll or rogulalol')' audlortl)', tllol any
removal or other romedladon of any Hazardous Substance Olfecllng tho Propeny Is necesaary, Borrowor shall promptly toko all
necessary romedlnl aollonaln aooordanco willi Bnvlronmen!alLaw, , ..
As used In IlIls paragraph ~O, "Hazardous Substancos" are thoso substallOes Uenned as IOxlo or hazardous aubslOllO~, by
EnvlronmonlOl Law and tho following substances: gllSollno, kerosene, oUlO,r namm~hlo or IOxlc petroleum prQduoll, loxia
pesticides and herblcldOl, volatllo solvonll, malerillis contolnlnglllbestos or I'onnaldnhyde, and radloacllvCl malerlllis, Aa used In
ihls paragraph 20, "BnvlronmonlOlLaw" moana federal laws and Inws of the Jurtsdlcllon whero the ProperlY la localed that relole
to hOlllth, safolY or environmental pro~lIon, "
NON.UNlFORM COVENANTS, Borrower anU Londor further covenant anu agree III followa: , ..
21, Acceleral!onlltemedle., Lender shall give noUce 10 Dorrower,prlor 10 aeceleraUonfollowlng Borrower'. breaoh ot
any covenonl or agreement In this Securlly Instrument (bul nat prior to accelerallon under paragraph 17 unless
applicable law provides olherwlse), Lender ahall nollfy Botrower or, amang olher thlngal (a) the defeulll (b)lho ,oollon
required 10 cure Ihe default,l (c) when the default musl be curedl"ibld (d) that failure 10 cure the default aa apeclne~ m~y
resull In accelerallop of Ihe sums secured by Ihls Securlly Inatrument, foreclosure by Judlclol proceeding and sale of the
Properly, Lender sholl further Inform Dorr\lwer of the right to relnalale afler accelerallon "nd Ibe right to alSorlln' the
foreclosure proceedlnglhe non.eHlstel!.e of a def\lull or any olher defenae of ,Borrower to accelerollon and forecloaure,lf
Ihe defnultls not cured aa apeclned, Lender, at lis option, may require Immediate paymenlln full of 011 allms seoUred by
this Security Instrument without furlher demand and may foreclose this Security Instrumfnl by Judicial proceedlllg,
Lender shall be onUlIed to collecl all ellpellses Incurred hi pursulnglhe remedies provided In this paragraph 21, InclUding,
but.nolllmlled to, attorneya'feea and cosU of IIl1e evidence to Ihe exleol permitted by appllcoble law, ; ,
22, Release, Upon, paymenl of 1Ii1 sums lecured by this Security hlsllUmen~ this Security InsllUmenl and tho,Ollla14
conveyed shall IInnlnato and becomo volU, MlOr luoh occurrence, Lender, shall ulsoharge and sallsfy this Security InallUlllont
without charge 10 Borrower, Borrower ahllil p"y anyrec,ordauQn eoslS, ,. "
23, Wolvera, Qorrower, to tho oxtont permitted by applloab.le law, wllives and relooses any error or doffIQlIln prOceedlngila
enforce !hIs Secunty InallUment, and horeby wllives Iho bonent of any presenl or futuro lawa providing for, alOyofexeculloht
oxtenslon of time, exompdon from altaohmel1l,lovy ,,"U sale, and homeslOOU oxempllon,
....eR(PA)IIIOII
Pasalell
BOOK URS PAOE266
Porm GOGt "to
!nlllllal
.
.' ,.' . "II: LOAN.II 1...0..1.111
24. Relnlllllemenl Period, Borrower's limo 10 rolnlllllo provided In paraaraph I R shall eXlCml 10 one hour prlllr 10 lh.
commencement of blddlna 1Illllheriff's Iilllo or oilIer .ale pursulUIllO Ulls Soourlly Insll'Umonl,
as. Puroh.... Monoy MorlaRle, If lUIy of lh. dobt socurod by lhls Soourity Inlll'Umenl II lonllO Borrower 10 acquire 11110 10
lho ProJlOl'ly,lhls SoourUy Instrumonllhall\lO II purchlllO monoy monaaao,. " ' .
Z6, Inler..1 Rale Arlel' Judlmllnl. BOrrower aarc08 lhullllo InlOrOlIl'll~ payabl. aftor a JudlmontlunlCroII on lho NolO
. or In lUIllC"OIl of marIBaa. foroolosuro Ihall be lho l'll1O payablofroll\ limo 1o,lImo undor lho NolO, .
Z.,. Ride... 10 Ihll Secllll'ltrl".lrumenl. If ono lIr m~ro rldor. ara oxcoutod by BorroWer and l'OO9rdod 101I0ll1or wllhihl'
Scourily In.lIUmonh 1Il0 oovonanl4 and oarcomenl4 of oaoh luoh rldor Ihall be InCOrpOflllOd lnla ~d.hll1l amend and ~~pplomO\1I
1Il0 cov~l8and o~onl8 af,IIl11 ScoW'lly Inllnlm~IIl1\8lf \he rlder(l) woro a ~ af dill ScoW'll}' Inllnlmen~
(ChOO~PPIlOObIO boX(OI)1 " . . '
AdJUlllabl.l\olq RlfJor ~ Condominium Rldor , .' ~ 104 JlamllyRldqr
orad ualOd ,Po, y, monl R Idor ' Planned Unll Dovelopmonl RI~or .' BlwooklY ,payment Rldor
, ,Balloon Rldor " '. RolO Improvemenl Rldor, Second Homo Rldor
V,A, Rldor ' , . ' . Olllllr(s) lspoolfy), . .. .. '
J
, BY SIONlNO BB~OW; Borrowor IlOceplS l\iId aaroo8 10 dlo IOrms aM covoiianlS conlalnll! ,In lhls Soourlly Inlll'Ul11ontl\l1d In
~rU1~~:~~) oxoolllOd by Borrowor lll1drooorded WIIIII~, ...' " .". ,
? ~,:tt. ~~ (S~),
. ,',' J . ...., ' .8o,mny~r
aA ~lilrJt :- _,,~
(Seal)
.Dorrow"
(90111)
,DotfOwor
Cerllncllle of Ruld.nce
I, '
UIO wllhln.named MortaolCo II 83 6 0 OLI), YORK ROAD
, 'I.' I~KXN't PARK,' PI> 19117.U80
. Wltnosemy hlll1dlhll 'IIlI%RTXITH day of SIl!T/DMIIIR
l;
, do horeby oerllfy lhallho carreol addre8. at
"
'188~
.. 'I
"
.
...,,\\1 Qf Mon"... "
COMMONWEALTH Oil PENNsvt~!\NIAt OUMBIRLAND
On tIIll; tIIo 30 dayo'f ' ,. BI~T/DMIIIR" ,,' U83
personAlly appOO\'ed &~ R, +- ~~H' u;/.~ o-f/c:1" !I~' ;'~I
.' ' ';..'.. '''.
. ' " , . knownlQmo~
perB~n (8) whoso nlll11. ~ "" AR,IlI lubsqrlbed to 1110 wllhlnlqslr\lmOnllll1d aCknoWI~dl,ed lIla ',y;~
executed 1110 8lll1\0 for lho PUI110S08 horeln QOnlalned, , W:
IN. Wl1mSS WHB, ~SOP; lhorounl~ sol my hlll1d lll1d officlul 101lt. :, "-" L/>. " : W..; ". ' ,
My Con.unlseloq BXptrol1 " " C ~n..,((.I4l ~
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~
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bOO~ 11 flR rAtE 257
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NOTE,
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HARRUUIIRG
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ao o""mrr ''I'1\IIT
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i1""""IMdroul '
IA 17011
"
I, "OH"(lWllR"H l'ROMISR TO PA ~ '
InlOllltII fill 1.I,ll!Iilhlll 11m 1400lvod, lproml.. 10 plr. U,8,' $ 71,000.00, (ihl',~ollnl lIolllltd
" 'prIOQlpnl')olIIlIlI010/fllI.llllllllliiIOIIlII!!OI~"110I,'I1lOl~1II101' ", "I ;,; 'I. ':".' I Y ,': ' "
lIIIAO MORTQAG., otIR'ORA'I'XOIl 0' fA ' , /'. '. '; I1I11UttlW11l ,
IlIdllllOMllldtt'lnlY IIAA.t" UII. NllIO, 'nio I~illlol IIr 'OYIIIIO wlllllll~PlIIII. NIlII IIYIIM.rOI AAd Wllo II onuuod IU Iml"
1'1111I011" IInd,nlll. NII!O I. CllIIIOIilllo ',NllIe IIlIllIol,' " ','
1,1N'1'1l1l1lll'1' '. . . ' '.'~
"lO ~~lor"'l WIU ,'ff~lla.od 110 "~~llI IlrlllQ1PII i,IIIIIIIIIO nIIl nllllllllllnf prlllolplll 11M ~nPllI,d, I will PI~,III!OfNI'1 ayOoVly
'I1lO 111101011 1000llqlllrod bllhl. S~1I1111 ~ 111110 11111 will PIlY III1Pl'lIolllllllllll'lllIr Illy doflllll.lI....'lbod In 80011110 '
O(P) III 1111'1'111I0, ' ,
~, r^ V"lllf\f'I'H "
',(^)'I'lmo,.nlll'lloflllrlym.nl., . " "". "
1':ml,~h~'~~~~~~~II:"~~~:'rlll\\~,k:::~ IIQYIIIOr~lvorJI~I~~I~1I IIIll1l1ll'btaillOlllf O~. 110_111, 01 . ' ,
IOU . ,I will mAlio 1l!0f0 1.lymOIlIl ovory Imllllll 1111111 I IIlvopllll IlIlIr 1110 IlIllWll'lI Md Inl,,"11III1I "'Y oihl( OhN.OI
'dliCrl,,",1 he.' OW 111M I maY JlWO IImlor IIi!! NIIIO, My mlllllllly PIIYII10011 wlllllO applod 10 10lOtoII hofllra pIIIIOII'-I, 1I,IIn
'Ol1TllIIR 'O~I son "'/, ' ,1.1111 owo llI1l1ll1ll1l11\'lor uil. Nnlo, IwlllllQy 11I0.0I1IIollnlllll filII
110 1I1111111O,'whloll I. oallotllho 'Mllllfrlly PliO,' , "
. I Will mnko II1Y,lIIl1l11llly IllYlllolI1I 01 BUO OLI1 YORK ROM" ILKIII. 'ARK, fA, UU7'U"
, IIr II a 11111010111 pllIOo II tOlllllrod IIY "'0 NOlO lIoMol,
(II) Ahlollnl or Monlllly r~.illl'"11 , "
, MYlIIllIU1iIYIl!'YllIonlWIllIl011l1l1OImOlllllllfu.S,$ nu,." ,
4,IIC1RRllWIIRHIII(/Il'I'1'ClrRIII'AY ". . .
I lI,vo 'ho'IISIII'llImnko pIymonll 01 pIIIIOlll1l1 III OilY 11100 bofllro IIIOY 01011110, ^ IIlymonl 01 prlOQlllllnllly I. known ..
I '~roPIIYII10Ill", Wlloollllidco a prOI"YIIIOIII, Iwl!llOlIlho Nlllo 1IIIltlorlo wrllloa IIIA11 uin dllloa Ill" "', .'
' IIIIAY IlIllko I fllllllroplYlnonlOI pII/ll1l1 plOl'lymollll wlllllllll payIII8 Illy PloPllymOnl OIlOlSO, '1111 NolO Hold" will ""
n. 1I.."r,.'.ny.proPIYmO.".It.. III rO.II."00. 1110 ""."."11I1 01 l'rlllOllllllhlllowo 1111.1101 1111. NOlO, 1IIIIIIIko IJIIlII.II preplyman.l. '111"0. will ,
11<11111 Olllllg\l.\ In PlO IhlO ,IAlO or III 1110 nmOllll' III Illy llIIIOIIIly IIIYllIOlllllllloti'dlONlllO 11111 or laroq III Wllllo, Ib 11111"
Ohl~IOI" ." '"
I.I.tlAN PllAROKH
, II,ri'low,wlllolI IppllOlIO 1111, 1IIIIInml wlllQII lOll ml.lmumlo," OII"aol,l. UII,lIy InlllJ1ro~ lO'U'al iho'IIIItioJIIII
1I1li0110ln 0111111" (llIIlOC)lI<llIr III hO ClIIIOC)I"llnouIIIIWllnll wllh 1IIIIIIIIn 01000111110 ro,rmln"lllInlll,UlOlII ,(I) any, '"011 Inllll,
olllllgOlllOlIho'roll!IOOllhy 1110 ,mnllll'"oc)OI'PIY 10 1Ol1t100 1110 Ohntgolll 1110 potlnlll!tlllmlll Mil (Ill lilY '"1111 aliOO\lY'
0111110.1011 (rom Iho Wllloh 0.00(1(1011 polmllloll 111011. will IIdro(uIl.lod 11111I0:'1111 NOIQHlllilor mlYolllldlOln mako UII, rolllllll
hyrOllllolnglho IlrlllQlpll1 OWo .11I1101 1111. NUll lit lIy mpklug P dlrl1Cl I'IYIIIOUI 11111I0, II" rqOIl,ld rOIlIl~O.lpIIIIOllllll, lI}e '
rOllllollon will ho I!Mlqd au i/ntllll,lnOPlymOnl", " '"
...pOIIIlOWIlIl'H PA''''IHlI 'rCl PAV AH IIKQUIRKll
, '(AI I.alo ell_taolutOv,td", rilylneul. '. . '. '.' "
1IIIloNulO 1I1I1t1o, IIRSIIIII 10000Ivod 1110 nIIl b,dl.llnl ul IllY mlllllhly I'lIYlIllllil II" IIlp olld 01 UoulOOlll\l
l'moOor 1110 dlllO 111111110, I .1'111I J>jlYI'IIO ,ollllrlo IlIlboNmo 1I1111100,'fIIOMIIIIIIII U lllOQII"ao Will bo .. O~', 'II>
uflnMI~ZI~~I~IYhiOnl III PfI~clpll '"" ImOlO.lI, 1 will "IY 11111 11110 olWIIO "IIIIIII"IIY I!m uIIly nll~~ II~ !'lICh 1110 plymonl~ '
111.110 n.." 1.llQY iho O'II.amUllliluI,'OlIQII l.lIIII.III1IYIII""'"1 0111110,'110 11.11,11110, I. Will bO III'dO. 111111, "
(OINullc'OllloIIIlU "'" . '"
1(,Iallllllllotllllll, 1110 NIlIO Hllldor IIIIY 1011.1 mOl wrlllOn 111,1100 lolllriil 1110 1111111 I Ilo IIdl "'Y 1110 OvorUlloalllllllnl by I
cor~ln dOlO, 1110 Nolo 11011101 m,y fo<J!llro 11I0 III pay l/I1modlaloly Ibo 11111 Imllllllllll Inlllolp,1 wlllolI II.. 11'11 been ~Id"'" III
Iho11110""1 lllllI OWo IInlhal a'"ol"ll, 'nlAl dllo 111I/11110 1110!'1I30,dllya 1001 1110 111110 no wltloll lI"nnlloo,l, dollvoiod UI
IUlllolIIII mo, . . "" ' , " ,,'
(lll'NII WalvOrll~Nn'o lIuld".. '.. .. '.' . " .'. ""
' , aVolllr,,, 0111110 Whon lamiA dOllltlll, Ibo,NIlIO IIullloldoo. 011110(1"110 luOlo PlY IInlll"lInloly In hill AI ll0a0tlb9!1
aMvo, 1110 NolO 11011101 will '111I Illvo Ille rlllllllU dn '1111 I alii In 110111111 III a AI" limo, . ,.
(II),raYllloUIIlI Nlllo Holdlt'l(1/"lI illld k,p'!ilt. .' ' " ' ,
'. II Ib~No" Hllldot IIIU1 l"lull'<<llno III PIlY IlIlInodlAlOly III nIIl RS 1I000rlllOd AbiIVO, Ibo Nmo lIuldor WlIllII!vo Ulotlalll hI
hoppltI hi!9k IIy mo fur III nl 'If Oll\If ou'l o.poo~ In olllllwlll" Ibl. NIIIO 1111110 oalOnlnlll.lltlllllllll!tl lIyapplloablO'IIW, '
'fI1l11O 0'11011108 !lIohulo, 0" IUlllplo, rOil$ulllhlo IlIu",OYI',foq,
?,CltYINC111r~,'\'rIORH .......... .... .... . . '.' .'
',UIII". aPlllloalll,llIwrequlf4,Il dllTotOlIl mOllllltl,lIhY 11I11100 IlIalmnll ho "Ivon 10 100 IIndO/IIII. NolO will be 81vOO by
dollvorlnl" 01 hy ffilllln", II hy ntll oln.. ulalllo III, 1111110 1'lllllOtly Adllro.ll O"'IVO III III a IIlrtolOollldlll'Ol.llll "Ivo lho NIlII
IlllblorOllllllconllllY 1I1110'onlld4101l, '. '. . '. ,". .' .'
"Any 1I11llooUillnlllll ,~08IvonI1l1l!0 NulO 1I01llor II11"or 1111. Nulo will IIOlllvQn IIy mAllln.11 liy Utll 01"',11I111 ~, P~ "
Nlllo 1IIIIIIor nl 1110 nlld/'Oil 'IAi,,1 InS"'"I111 3<A).IKlvo .It AI I .lIrforonl "bltll" If I Alii alyoo A'nllllob III Ihll dllloronl
allllr':"''''/'2.0 0 IfI (J / _? . ,
NiJ~tI.,,,U ~III'P ft~,. No,.. *111". hIllJI" f'tUWnUMo UHIf'OflM I"."unl'N'
.. ,. '..'hl,
~ IIA "10",01 VWf' MO"'O"QU HUlloI' 'I'I'I~.~"IOO. 1'0011'1.1'"
,.'.....UI..
A"h~." ~Ifl
IftHltltl _...,-+'"
,
, .
I
"
;\
, ,-p
-',
. to'M~a5-1996l 1$104
~TGAGE seRV I cae
1947 ~ e044 P. 061"
aan\'\"n'll~, 1,"'8'
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(the "Aoll"', You...y ~I IUg:l.~:l.1 Cor t~oZ'"ry ....:I.IUlJ,oe U '
Y9w:",.~ill:Lt~' ):l..n'o..u...d.by Q:l.ro~t..~o..blYO~~ yO'U' OOll.tll:/;I:J.;" '
q"c! Ul yQu..t t1\, eU;:l.b:l.Uty rlql,\:l.r_nU of tb' .l\.ota. d.'b,anl:l.ned
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1,1,0t:l.o'.. ..Xbooll.h\l.n' all. explanab:LoD 0:1, youZ', #;nt., '. .
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Under the Act, you at'1I entitled tl'l,atl\\mporatYstayol! :l!oreolQllure
on,', YI;>U;o mor, tsa;e',Jl,o, r, th, irty~fiv. (,3!3,'" day. from the, ,date of this
Not~oe . I;lIo\:r:in; that:. time you have the dsht to arrange a
, It :e"oe..tO.nlloe" me,ting w:lith a rl!lpresentative ofthifl lepeler "pr
',' 'f,t.th .,:de.igtlal:.ltdoOnIlUmer Qredit: ooui)selin,g. agen9Y' '1'l'1-.pu~Q.,e
c~ tnat;.meetitlgilll' to attempt to ,work Quta:\:epayment plan, OX' to ,
Qth"rw:i:"esettle your Q.eliriqueno:(. That meet,ir\g must QOOur in, the
n.~~ ,\:.hirty~.five (315) ,dllYS." '
, ny~4,att.fid. ,a 1IaCle~,to.:e"Cle meeting with thislendlllr, or with ill
'.,,' OO"flUmero:lrl!lQitO()Unlll'ling aglilnoy:l,denti.fiedin this nQ)t:l.C1e, nQ
11, U,:I:'t,' ',t\., eX' preoee, d" :\.1'1, SS, in m"ortgas,', llor,.oloRU, re, ',mayt,ak~, pl&/;1.l:oX'
, th~t'ty~,fiv' (36), days dter tile ~ate 011 that meeting. '1'he n..me,
li\ddr.".a,nd 'tel'Phon.' null\l:)eX'of ' out' t'ep:r;18entati Veill
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, " ".1IS03.WooUe1cl ..oaa.
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The palllelll apel addrfullill/!l of designated, oonsumar oredit ooiml.3.:I.n;, "
ag,no;!.es a:.:' on' the enolosed' list. It is onlY ,n.o,..a:l:Y to 10\'1..(\1011.,'
one faq.~to~faoe meeting. You should advise this lend.~ iLmmediA;'~Y
,of your intentions.' " " ,'."
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DOyerimUthl1 Mortgagl,lno. '1601 Woodfield Road Schaumburg,IL6017G-4982
MAR, 2' '98 (WEDl 16,62 COMMUNICATION No ,46 PAGE,6
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(84'7) e1e.~_.