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HARRIS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 98 - .3 3JJ. (J,;;.i t;..,.---
v.
BENJAMIN L. BRENEMAN and
MICHELLE C. BRENEMAN,
Defendants
CIVIL ACTION - LAW
COMPLAINT
AND NOW, comes Harris Savings Bank by and through its counsel, Richard C. Ruben,
Esquire and states the following in support of its Complaint:
1. The Plaintiff is Harris Savings Bank, a Corporation organized and existing under the laws
of the Commonwealth of Pennsylvania and having its principal place of business at Second and
Pine Streets, Harrisburg, Pennsylvania 17101.
2. The Defendants are Benjamin L. Breneman and Michelle C. Breneman, husband and wife,
adult individuals whose current addresses are 5001 Carlisle Pike, Mechanicsburg, Pennsylvania
17055 (business) and 816 Flintlock Ridge Road, Mechanicsburg, Pennsylvania 17055 (home).
3. Defendants on September 7, 1989, entered into an Adjustable Rate Note transaction with
Harris Savings Association, now Harris Savings Bank, in the principal amount of Six Hundred
Thousand ($600,000.00) Dollars the terms of which loan are more specifically evidenced and set
forth in the Adjustable Rate Note dated September 7, 1989, a true and correct copy of which is
attached hereto and incorporated herein by reference as Exhibit "A".
4.. The Note is secured by a Mortgage upon property situate at 5001 Carlisle Pike,
Mechanicsburg, Cumberland County, Pennsylvania 17055 and recorded in the Cumberland
.~' '."',', .:~"",:" :,~:.;~,.~,:.:.:.:"t""l:"""'(' ':"'r:,',::'.-':'::' ;"'~~':\""',~;~I:":,J";:j~S'~:.;~.'r':l:Jo:.tl"rJ~~,I.:","; ......'..:.:.; .,.\', ....,'.'~ .:~'/.' ',.~.':'I
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. .
County Rccorder of Deeds Office in Mortgage Book 952, Pagc 100, a truc and correct copy of
which is attached hereto and incorporated herein by reference as Exhibit "B".
5. Plaintiff, in consideration of the said Note advanced to Benjamin L. Breneman and
Michelle C. Breneman Six Hundred Thousand ($600,000.00) Dollars.
6. No judgment has previously been entered on said Note in any jurisdiction.
7. That said Note is in default because Defendants jointly and severally have defaulted on
the Note in that they have failed and refused to make regular payments on said Note since
October, 1997 in the amount of $5,671.92 monthly through December, 1997; $5,682.71 for
January through May, 1998; plus late charges in the amount of $2,089.04.
8. The Plaintiff has given to the Defendants written notice as required by law under Act 6
dated December 18, 1997, a copy of which is attached hereto and incorporated herein as Exhibit
"C",
9. The Plaintiff is not required to give written notice of default under Act 91 in this case as
the premises are not o.wner occupied.
10. That due to Defendants' default the entire principal amount of Six Hundred Thousand
($600,000.00) Dollars has become due and payable, together with interest at the current rate of
10.5% per annum, reasonable legal fees for collection of said sums in accordance with the terms
of said Note less such sums as have been paid on account.
11. Plaintiff believes that during the term of this Suit casualty insurance protecting the
premises securing this Note will become due and payable in the amount of $5,347.68 and that
it will be required to pay such amount.
12. The Plaintiff believes and therefore avers that reasonable attorney's fees for collection of
the debts are $28,639.75 and that it will incur such amount.
.
ADJUSTABLE RATP. NOTE
u.S. $flOO,OOO.oo
New Cumbe r l iJ nd
Pennsylvania
September 7, 1989
FOR VALUE RECEIVED, the undersigned promtses to pay IIARRIS SAVINGS
ASSOCIA'rION, Second and pine Streets, lIarrisburg, pennsylvania, 17101, or
o rde r, the pr i nc ipa 1 sum 0 f Six Hundred 'l'hDll9and and Nol I 00-------------------
DOLLARS, with interest on the unpaid principal balance from the date of
this Note, until paid, at the initial interest rate of 'I'en dnd One-half
( IO.5()~) per cent per annum. On October I
19 94 and on October 1 every fifth year thereafter, the lIarris
Savings Association will adjust the interest rate to a rate not greater
than 1'wo (2.00) per cent above the Federal 1I0me I,oan Bank of
Pittsburgh's five (5 ) year advance rate available forty-five (45) days
in advance of the adjustment date from the Federal 1I0me Loan Bank of
Pittsburgh, any successor thereto or its equivalent institution. The
principal and interest shall be payable at the narris Savings Association,
Second and pine Streets, lIarrisburg, Pennsylvania, or such other place as
the holder hereof may designate in writing, in consecutive monthly
insta llments in the amount of Pive 1'housand six Hundred Sixty-Pive and 10/100
___~_____________________________________ ($ 5,665.10 ) DOLLARS, on the first
day of each month beginning November 1, 19 89 , (herein first
payment date), until the entire indebtedness evidenced hereby is fully
paid, except that any remaining indebtedness, if not sooner paid, shall be
due and payable on the first day of October I , 2014 The
interest rate shall not increase to a rate greater. than l';.50 %
regardless of any movement of the index. It i~ the intention that thirty
(30 days' advance notice of interest rate and payment adjustments will be
given Obligor. Failure to give notice will not affect the right of the
narris Savings Association to adjust interest rates as above.
If any installment under this Note is not paid when due, the unpaid
principal balance of this Note shall bear interest during the period of
de 1 i nquency a tara te 0 f Teo and One-ha If---------------------------------------
(10.50 %) per cent per annum (the initial interest rate), or any
adjustment thereto as stated above, or, if such increased rate of interest,
if any, which may be collected from the undersigned under applicable law,
then, at the maximum increased rate of interest, if any, which may be
collected from the undersigned under applicable law; and, at the option of
the holder hereof, the entire principal amount outstanding hereunder and
accrued interest thereon shall at once become due and payable. Failure to
exercise such option shall not constitute a waiver of the right to exercise
such option if the undersigned is in default hereunder. In the event of
any default in the payment of this Note, and if the same is referred to any
attorney-In-fact for collection or suit is brought hereon, the undersigned
shall pay the holder hereof, in either case, all expenses and costs of
collection, inclUding, but not limited to, attorney's fees of five (5%) per
cent of the unpaid principal balance hereof, but not less than One lIundred
Dollars ($100.00). .
The undersigned shall pay to the holder hereof on demand a late charge
of five per cent (5%) of any installment not received by the holder hereof
within fifteen (15) calendar days after the day the installment is due;
said additional charge shall be added to the principal debts in the event
it is not paid.
Prepayment will be permitted with, surrender charge of 3.00% of the amount
prepaid during the first five years of the loan with no prepayment penalty after
five years from the date hereof. No prepayment penalty shall be assessed in the
event the property is' sold or refinanced and the financing is provided by Harris
_ Savings Association. If refinancing is necessary due to capital improvements or
~ additions to the buildin", the prepayment pena l ty will be waived if lIarris Savings
. Association provides the financing or if competitive rate and term financ.ing is not-.
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And also, from time to time, and at all times until payment of all
sums due hereunder are made ag aforesaid, Obligor shall, in addition, make
payments for taxes, insurance and other charges as provided in the
mortgage, and keep the building therein mentioned, and other improvements
on said premises, insured against loss or damage by fire or other casualty,
for the benefit of the Mortgagee, in some good and reliable insurance
company or companies acceptable to the Mortgagee, to the amount of at least
Six Hundred 'I'hou>;ilnd ilnd No/100-------------------u---------------u-( $(,()O,OOO.OO )
DOLLARS and take out no insurance on gaid buildings or improvements not
marked for the benefit of the Mortgagee as aforegaid. OblicJor furthermoro
to provide Obligee with an annual operating statement showing income and
expenses of the premises securing this Note and its aDsoctated Mortgage,
supported by the Pederal Tax Return and financial statement of the
borrower, within one hundred twenty (120) days following thCl end of
Obligor's fiscal year.
AND PROVIDED I'URTIIER, anything herein provided to the contrary
notwithstanding, it is expressly understood and agreed that the obligation
of this Note shall cover, as well, any other additional advances that may
be made by Obligee to Obligor at any time or times hereafter, provided that
at no time may the total balance due b~ Obligor to Obligee hereunder,
whether the same represents, in whole or in part, the initial advance or
any future advance or advances exceed the original amount of this
obligation.
AND FURTHER, the Obligor agrees that if at any time the total
arrearages in said monthly installments are equal to at least two
contracted monthly payments or if default is made in the payment of taxes,
water rent or insurance premiums when due, or if the buildings on the
mortgaged premises are not maintained in good and sufficient repair after
notice from the Obligee, or title to said mortgaged premises is transferred
to anyone other than the survivor of the Obligor without written consent
of the Obligee and the execution of a collateral bond by the transferee, or
in case of any default under the terms hereof or of the accompanying
mortgage whereby the security of the Obligee is or shall be impaired, then
in any such case, the said principal sum, and additional advances, or so
much thereof as shall remain unpaid, shall, at the option of Obligee, its
successors or assigns, become due, and payment of the same and all accrued
interest and charges, taxes, water rents and costs of insurance as
aforesaid, together with an attorney's commission as above mentioned,
besides costs of suit, may be enforced and recovered at once, anything
herein contained to the contrary notwithstanding.
FROM time to time, without affecting the obligation of the undersigned
or the successors or assigns of the undersigned to pay the outstanding
principal balance of this Note and observe the covenants of the undersigned
contained herein, without affecting the guaranty of any person,
corporation, partnership or other entity for payment of the outstanding
principal balance of this Note, without giving notice to or obtaining the
consent of the undersigned, the successors or assigns of the undersigned or
guarantors and without liability on the part of the holder hereof, the
holder hereof may, at the option of the holder hereof, extend the time for
payment of said outstanding principal balance or any part thereof, reduce
the payments thereof, release anyone liable on any of said outstanding
principal balance, accept a renewal of this Note, modify the terms and time
of payment of said outstanding principal balance or join in any extension
or subordination agreement, and agree in writing with the undersigned to
modify the rate of interest or period of amortization of this Note or
change the amount of the monthly installments payable hereunder.
Presentment, notice of dishonor, and protest are hereby waived by all
makers, sureties, guarantors and endorSers hereof. This Note shall be the
joint and several obligation of all makers, sureties, guarantors and
endorsers, and shall be binding upon them and their heirs, personal
representatives, successors and assigns.
n
-
The indebtedness evidenced by this Note is secured by a Mortgage dated
of even date herewith, and reference is made hereto for addltional rlghts
as to acceleration of the indebtedness evidenced by this Note and further
duties, obligations and rlghts of the partles hereto.
IN WI'I'NESS WIIEREOF, Dorrower has executed thls Instrument or has
caused the same to be executed by its representatives thereunto duly
authorlzed.
i
WITNESS:
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, Mielle lie C. Breneman
(SEAL)
(SEAL)
Unlfo.m Covenanls. Borrower ... .d lender covenant and agree as follows:
.
I. PAYMENT OF PRINCIPAL AND INTERF.ST. Horrower .hall promplly pay wh,o due .he priocipal or .od inle"" on .he ind,hledneu
evidenced by the NOlc. any prepayment and lalt' charees provided in the Note and all other sums secured by this Instrument
2. FUNDS FOR TAXF.S. INSURANCF. AND OTlIER CIIARr.t:S. Suhjec.'o .pplicahle law or 10 a wrillen waiver hy Lender. Borrower .hall
pay 10 Lender on the day monlhly installments or principal or interest arc rayahle under the Nole (or on another day desienalcd in wrilina by
tender), untilthc NOlI: is paid in full. 3 sum (hrrein "Funds") equlllo onc'lwelrlh of (a) lhe yearly waler and sewer fate' and lues and
incssmcnls which may he I,'yjed on the f'roperty, (hllhe )leil,l)' ground rents, ifany, (c) the yearly premium in\tallmcnls for fire and othe'f hazard
insurance, rcnt "wj, insurance lInd stich mher Insurance cnvering the PmJ'lerty a... 1.emler may require pursuant to p:uagraph S hrrtof, (t1) lilt yt~rly
premium install menu fur mortgage insur:IOl't~, if any, ,lIId (t) if 11m. In\trumenl is un a lease huM, the yearly tilted fenl\, if any, undN the emund
lease, all as reasonahly l"'ilimated inilially and frum lime to lime hy I.ehder on lhe hasis nf assessment' and hills ami rC';nnnahle estimalu Ihereof.
Any waiver hy Lender of a requiremenl Ihal Rurrower pay sudl Fund!'i may he revuked hy tender, in I,roder's ..,ole di\crC'tion, at ilny lime upon
nolice in writing 10 RorHlwer. I.endcr may require Rurrnwer tn pay In I.ellder, in advanc:e, such other fund... for ulher loue', duuces, premiums,
iluenmenls and impmition... in cunne(tinn wilh nllrruwer or Ihe l'rnpcrty which Lender ,hall rea\nnilhly deem nece\ury In prolet'l Lcnder's
inlerelts (herein "Olher Impor,ilions"). Unle" olherwise provided hy applit'ahle law, l.ender may require funds for Other ImpOlilionslu he paid
hy Borrower in a lump Jum or in periodic inuallment\, al lender's option.
The Funds shall he held in an imtilutinn(,,) Ihe deptlsiu ur l'lt't'ounl\ uf which arc insured or gu:uanlcC'd hy a Federal or Slate aaen<:y
(including lender if l.ender i... such an institulion). Lender shall apply Ihe Funds t(l PilY .said r;Ue..., renl\, laxes, imenmen15, insurance premiums
and Other Impositions ~o long liS Borruwer i, nul in h,eac:h of ilny covenant or agreement of Uorrower in Ihi\ In\!rumenl. Lender shall make no
charge ror so holding :Ind ilpplying the Furuh, analy/ing said "c:wunt or fur verifying and c:umpiling \aid asscnmcnt5 nnd hills. unless Lender pnys
Borrower intere~t, earning~ or profits on Ihe Funds and :!pplic:lhle law Jlermit~ I.cnder to ma~c such a (hargc. n"Huwer and lender may agree in
writing at the lime or ellcclllion of this InSlrllmenlthat inlere\t on the Funds shall he paid to norrnwcr, and unless such agreement is made or
applicahle law requires inlerest, earnings or prnlils tll he paid. Lender shall not he required to pay Borrower any interest, earnings or profits on the
Funds. Lender shall give In norrower, wilholll t'hilrge. an annual a"uunling of the Funds in I.ender'~ nenm:!1 fnrmal showing crt:diu and debils 10
the Funds and the purpose for which e:!ch dehit 10 the FUlllls was made. The Funds arc pledged as addilional securilY for the sums secured by Ihis
fnstrument
Iflhe amount of the Funds held hy lender allhe time ufthe annual accounling thereof shall exceed the amount deemed necessary by lender
10 provide for the paymenl of waler and sewer rales. lalles, assessments, insurance premiums, renlS and Olher Impositions, as they fall due, such
excess shall be crediled to Borrower on Ihe nexl monlhly installment or installments of Funds due, If III any time Ihe amount of Ihe Funds held by
lender shall be less Ihan Ihe amount deemed necessary hy lender to pay waler and sewer tales, laxes. assessments. insurance premiums, rents and
Other Impositions, ;IS they fall due. norrower Sh;ll! pay III l.ender ;lOy amount necessary 10 ml'lke up the deficiency within thirty days after notice
from lcnder to Borrower requesting paymenl thereof.
Upon Borrower's hreach of any (oVenanl or agreement of Borrower in Ihis Instrument, Lender may apply, in any amount and in any ordcr as
Lcnder shall delermine in lender's sole discretion, any Funds held hy lender al the time of application (i) to pay rates. rents, tallcs, as\essments,
insurance premiums and Other Imposilions which arc now or will hereaner hecome due, or (ii) as a credit againsl sums secured hy this Instrumenl,
Upon paymenl in full of all sums secured hy Ihis Instrument, Lender shall promplly refund 10 norrower any Funds held hy lender,
3, APPLICATION OF PA YMF.NTS, Unless applicahle law provides otherwise,-all payments received by lender from Borrower under the NOle
or this Inmument shall he :lpplied hy Lemler in the following order of priority: (i) amounlS payahle 10 lender hy Borrower under paragraph 2
hereof: (ii) inlerc...t pay:ahlc nn Ihe NOlC: (iii) principal of the Nole: ( iv) inlercst payahle on ildvances made punouantlU paragraph R hereof: (v)
principal of advances made pursuanllo paragraph 8 hereof; (vi) interest payable on any Future Advance, provided thai if morc than one Future
Advant'e is outs13nding. Lender may apply payments received among the amounts of interest payahle on the FUlure Advances in such order as
Lender, in Lender's sole discretion, may determine; (vii I principal of any Future Advance. provided that if more than onc Futurc Advance is
outstanding, lender may apply payments received among Ihe principal halances of Ihe Future Advances in such order as Lender, in Lender's sole
discretion, may determine: and (viii) any other sums secured hy this Instrument .in such order as lender, at Lender's option, may determine:
provided. however. that lender may. at Lender's option. apply any sums payahle pursuanlto paragraph 8 hereof prior to interest on and principal
of the Note. hut such :lPPUc;lIiun shall not otherwise afTe(t the order of priority of application specified in Ihis paragraph 3.
4, CIIARGES: LIENS. Rorrower shall pllY all waler and sewer rates, renlS, taxes. assessments. premiums. and Other'lmpositions attributable to
the ProperlY at lender's option in the manner provided under paragraph 2 hereof or. if not paid in such manner, by Borrower making payment,
when due, directly 10 lhe payee thereof, or in such other manner as lender may designate in writing. Borrower shall promptly furnish to Lender all
noliccs of amounlS due under this paragraph 4, and in the evenl Borrower shall make payment directly, Borrower shall promplly furnish to Lendcr
receipts cvidendng su(h payments. Borrower shall promptly discharge any lien which has; or may have, priority over or equality with, the lien of
this Inslrumenl, ;tlld Rorrowershall pay. when due. the claims of all persons supplying labor or materials to or in connection with the Property,
Without Lender's prior wrillcn permission, Rurmwer shall nnl allow <lny lien inferior to this InSlrllmel11 10 he perfected againsl Ihe Property,
5, HAZARD INSURANCI-:, Borrower shall keep the improvemenls now existing or hereafter eret'led on the Property insured by carriers al all
times salisfactory 10 Lender ltgainslloss by lire, hal.ards included wilhin the term "extended t'overage", rent loss and such other hazards. casualties,
liabilities and contingenc:ics as Lender (and. if this Inmument is on a lel'lsehold, the ground lease) shall require and in such amounts and for such
periods as Lender shall require, All premiums on insuran(e policies shall be paid, at Lender's option, in the manner provided under paragraph 2
hereof, or hy Burrower making paYOle~l. when due, direcl,ly 10 the carrier, or in such other manner as lender may designate in writing.
All insuran(e polkies and renewals thereof shall be in a form act'cplablc to lender .and shall include a standard mongage clause in favor of
and in form acceptahle In Lender, lender shall have the right to hold Ihe policies, and Borrower shall promptly furnish to Lender all renewal
notices and all ret'eipts of p:lid premiums. Atle:lstthirry days prior to the expiration date of a policy, Borrower shall deliver to Lender a renewal
policy in form satisfactory 10 Lender. If this Instrument is on a leasehold, norrower shall furnish Lender a duplicate of all policies, renewal nOlices,
renewal policies and receipls of paid premiums if, by virtue of the ground lease. the originals thereof may not he supplied by Borrower 10 lender.
In the event of loss. Burrower shall give immediale written notice to the insurance carrier and to Lender. Borrower herehy authoril.eS and
empowers lender as atlorney.in-facl for Burrower to make proof ofloss. to adjust and compromise any claim under insurance policies, to appear in
and prosecule any action arising from such insurance policic.., to collect and receive insurance proceeds. and 10 deduct therefrom Lender's expenscs
incurred in the collection of such proceeds: provided however, that nothing contained in this paragraph 5 shall require Lender to incur any expense
or take any aClion hereunder. Borrower further aUlhorizes Lender, at lender's option, (a) to hold the halance of such proceeds to be used (0
reimburse Borrower for lhe cOSI of reconstruction or repair of Ihe Property or (h) to apply the balance of such proceeds to the payment of the sums
secured by Ihis Inmument. whether or nollhen due, in the order of applicatioo set forth in paragraph 3 hereof (subject. however, to the rights of
lhe lessor under the ground lease if this Inslrument is on " leasehold),
If Ihe insurance proceeds ilre held hy l.ender 10 reimburse nenrower for the cml of restoration and repair of the Property, Ihe Propeny shall be
restored 10 the equivalenl of ils original condition or stich (lther t'onditinn :IS Len~er may approvc in writing. Lender may, at Lendel's oplion,
condition disburse men I of said proceeds tIn Lender's approval of sitch pll'lns and specifications of an architect salis factory to lender, contraclor's
cost eSlim:lles. architc(t's (erlificales, waivers of liens, sworn slatements of mechanics and materialmen and such olher evidence of costs, percentage
completion or conslruction. applicillinn of paymenls. and salisfaction of liens as Lender may reasonahly require. If thr. insurance proceeds are
applied to the pl'lyment of Ihe sums secured hy Ihis Instrument, any such application uf proceeds to principal shall not extend or poslpone the due
dates of the monlhly'installments referred to in paragraphs I and 2 hereof or change the amounts of such installments. If the Property is sold
pursuanllo paragraph 27 hereof or if Lender acquires tille to the Property, Lender shall have all of the right, Ihle and interesl of Borrower in and to
any insurant'e policies and unear{led premiums thereon and in and to the proceeds resulting from any damage to the Property prior to sllch sale or
acquisition,
6, PRESERV A nON AND MAINTF.NANCF. OF PROPF.RTV; l.I':ASEIIOLDS, Rorrower (a) shall not commit waste or permit impairment Ot
dcterioration of the Propcny, (h) shall not ahandon the Property, (c) shall restore or repair promptiy and in a good and workmanlike manner all
Uniform Covenants-Muhifamily-1177-FNMA/FHLMC Uniform Instrumcnl
IlOOK U52 rm
(pagl' J of 8 pag,.J)
.or any pan orlhe Propeny 10 Ihe equivalent of its orieinal condition, or luch olher condition al Lender may approve in wriline:, in Ihe event or IIny
dam'le. injury or 10ls thereto, whether or not insurance proceeds arc available 10 cover in whole or in part the com of such restoralioll or repail',
~d) Ihan keep the Propen)', includin. improvements, fi:iUures, equipment, machinery and appliances Ihereon in iood repair and shall replate
ftalurel. equipmenl, machinery lInd appliances on Ihe Propert)' when necessary 10 keep such hems in lood repair, (e) shall compl)' with alllawl,
ordinances, relulations and require men Is of an)' lovemmental body applicable 10 Ihe Propeny, (n shall provide for professional manaaemenl of
Ihe Propeny by a residential rental property manager satisfactory 10 Lender pursuant 10 a contracl approved by lender in writinl, unless such
requiremelu shall be waived by lender in wrilinl, (8) shall acne rally operale and mainlain the Propeny in a manner 10 ensure mallimum renlals,
and (h) shall live nodce in writinllo lender of and, unless olherwi5C directed in writine by Lender, appear in and defend any action or proccedinl
purportinato alfecllhe Property, Ihe security of Ihis Inslrument or the nahts or powen of lender. Neither Borrower nor any Icnant or olher person
shall remove, demolish or ilher any improvemenl now elliistinl or hcreillflct erecled on Ihe Property or any 'bture, t'luipment, machinery or
appliance in or on the Propeny eu'ept when inciJent to Ihe replacement of fillitures, equipmenl, m..chinery and appliances with item~ of like kind.
Ir Ihis Inslrument is on .. leasehold, Borrower (i) shall comply wilh the provisions of the around lease, (ii) shall Kive immediilte wrillen notice
10 lender of an)' defauh hy lessor under the around lease or of any nutice reccivctJ by Burrower from such lenor uf any default under the KlUund
lease by Borrower, (ill) shall eaercise any option 10 renew or ellilend Ihe around lease and give wrillen confirmation thereof to lender within thiny
days after such oplion becnmes exerdsable, (iv I shall give immediate wrillen notice to Lender of Ihe commencement of any remedial proceedings
under Ihe around lease by any pany therelo and, if required by lenJer, shall permit lender as Borrower's allorney.in.fact 10 cuntrolllnd acl for
Borrower in any such remedial plOceedines and (v) shall within thiny days afler request by Lender obtain from Ihe lessor under Ihe around lease
and deliver to Lender the leuOl's estoppel certificate required Ihereunder, if any. Iklllowcr hereby Cllipressly tramfer.. and aui&", 10 lender Ihe
benefil of all covenanls contained in Ihe e:round lease, whelher or nOI sucb covenanls run with the land, bUI lender shall have no liabililY wilh
respect 10 such covenanh nur any olher covenants contained in the around lea$C.
Borrower shall nut surrender the leasehold estale and interests herein conveyed nor lerminale or cancclthe ground lease crealina, said eslate
and inlerests, and Borrower shall nOl, withoul Ihe ellipress wriuen consenl of Lender, alter or amend said eround lease. Borrower covenants and
aerees Ihal there shall not be a mereer of the ground lease, or of the leasehold estale: crealed Ihereby, with the fee estale covered by Ihe eround
Ie,ase by reason of said leasehold eslale or said fee eSlale, or any pan of eilher, comins into common ownership, unless lender shall consenlin
writine to such merger; if Borrower shall acquire such fee eslale, then this Instrumenl shallsimuhaneously and without fun her action be spread so
as to become a lien on such fee eslale.
7. USE OF PROPERTY. Unless required by applicable law or unless Lender has otherwise agreed in writing, Borrower shall not anow changes in
the use for which all ur any part of the Propc:ny was inlended at thl: time Ihis Instrument was e,.ecuted. Burrower shall not iniliate or acquiesce in a
change in Ihe zoning classification of the Property wilhoul lender's prior wrinen consenl.
8. PROTECfION OF l.ENDER'S SECURITY, If Borrower fails to perform the covenants and agreements contained in Ihis Instrumenl, or ifany
action or proceeding is commenced which affecls the Propeny or tille therelo or the inlerest of lender Iherein, including, but notlimiled to, eminent
domain; insolventY, code enforcement. or arrangements or proceedings involving a bankrupt or decedent, then lender at Lender's option may
make such appearanc:es. disburse such sums and take such action as lender deems necessary, in its sole disl'relion, 10 protecl Lender's interest,
includine, but 'not limited to, (i) disbursement of allomey's fees, (jj) entry upon the Propeny to make repairs, (Hi) procuremenl of satisfaclory
insurance as provided in paragraph 5 hereof, and (iv I if this Instrumenl is on a leasehold, elliercise of any option 10 renew or ex lend Ihe ground
lease on behalf uf Durruwcr and the curing IIf any default uf Dnrmwer in Ih;; tcnPS and cumlitiuns uf the glUuud leilloc.
Any amounts disbursed by lender pursuant to this paragraph 8, wilh inlerest Ihereon, shall become addilional indebtedness of Borrower
secured by Ihis Instrument. Unless Borrower and lender agree to other lerms of payment, such amounts shall be immediately due and payable and
shall bear interest from the date of disbursement at the rale slated in Ihe Nole unless collection from Borrower of interest at such rate would be
contrary to applicable law, in which event such amounts shall bear interest al the highest rate which may be collected from Borrower under
applicable law. Borrower hereby covenanls and agrees that lender shall be subrogated 10 the lien of any mortgage or other lien discharged, in
whole or in part, by Ihe indebledness secured hereby. Nothing conlained in this paragraph 8 shall require lender 10 incur any ellipense or tak!: any
action h~reunder.
9. INSPECTION. lender may make or cause to be made reasonable enlries upon and inspeclions of Ihe Propeny.
10. BOOKS AND RECORDS. Borrower shall keep and maintain at all times al Borrower's address staled below, or such other place as Lender
may approve il) writing, l:omplcte and accurale books of accounts and record5 adequale 10 reflecl correctly the results of Ihe opera lion of the
Propeny and copies of all wrinen contraclS, leases and olher inmumenls which affect the Propeny. Such books, records, conlraclS, leases and other
instruments shall be subject to examinalion and inspection at any reasonable time hy lender. Upon I.ender's request, Borrower shall furnish to
Lender, wilhin one hundred and Iwenty days after the end of each fiscal year of Borrower, a balance sheet, a stalement of income and expenses of
the Property and a stacement of changes in financial posilion, each in reasonable detail and certified by Borrower and, if lender ~hall require, by an
independent certified public accountant.. Borrower shall furnish, logelher with the foregoing financial Slalements and at any other time upon
Lender's request, a rent sl:hedule fmlhe Property, certified by Borrower. showing Ihe name of each lenanl, and for eal:h 1enant. Ihe space occupied,
the lease expiration dale. the rent payable C1nd Ihe rent paid.
1 I. CONDEMNATION. Borrower shall promplly notify Lender of any action or proceeding relating to any condemnation (ll olher laking,
whether direct or indirect, of the Propeny, or pan thereof, and BOff(lWer sball appear in and prosecute any such action or proceeding unless
otherwise direcled by lender in wriling. Borrower authorizes lender, at lender's option, as allorney-in-fact for Borrower, 10 commence, appear in
and prosecute, in lender's ur Borrower's name, any aClion or proceeding relating to any l:ondemnalion or other laking of Ihe Property, whelher
direc1 or indirect, and 10 seule or compromise any claim in connection with such condemnation or other taking. The proceeds or any award,
payment or claim for damages, direct or consequential, in connection wilh any condemnalion or 01 her taking, whether direct or indirel.:l, of the
Propeny, or pan thereor, or for conveyances in lieu or condemnalion, are hereby assigned 10 and shall be paid to lender subject, if this Instrumenl
is on a leasehold, 10 the righls of lessor under Ihe ground lease.
Borrower aUlhorizes Lender 10 apply such awards, payments, proceeds or damages, afler Ihe deduction or lender's ellipenses incurred in the
collection of such amoun1S. at lender's oplion, to restoralion or repair of the Propeny or 10 paymC'nl of the sums secured by this Instrument,
whether or not Ihen due. in Ihe order of application sel forth in paragraph 3 hereof, with the balance, if any, 10 Borrower, Unless Borrower and
Lender otherwise agree in writing, any application of proceeds to principal shall not eXlend or poslpone the due dale of the monthly installments
referred to in paragraphs I and 2 hereof or change the amounl of such installments. Borrower agrees 10 execute such further evidence of
assignment of any awards, proceeds, damages or claims arising in connection wilh such condemnation or taking as Lender may require.
U. BORROWER ANI) LIEN NOT REL.EASED. From lime to time, lender may, at lender's option, without giving notice to or obtaining the
consenl . of Borrower, Borrower's successors or. assigns or of any junior lienholder or guarantors, wilhout liabililyon Lender's pan and
notwithstanding Borrower's breach of any covenant or agreemenl of Borrower in this Ins1rument, eXlend Ihe time for paym'ent of said indebtedness
or any part thereof, reduce the paymenls thereon, release anyone liable on any of said indebtedness, accept a renewal nOle or nOles Iherefor, modify
the terms and time of payment of said indebtedness, release from Ihe lien of this Instrument any part of the Property, take or release other or
additional security, reconvey any pan of the Propeny, consenl to any map or plan of the Propeny, consent to the grantine of any easement, join in
any ellitension or subordination agreement, and agree in writing with Borrower to modify the rate of interest or period of amortization ,of the Note
or chanee'the amounl of (he monlhly inslallments payable thereunder. Any aClions laken by lender pursuant 10 the terms of this paragraph .12
shall nol affect the obligation of Borrower or Borrower's successors or assigns 10 pay the sums secured by this InSlrumenl and to observe (he
covenants of Borrower l:onlained herein, shall not affect the guaranty of any person, corporation, partnership or 01 her enlity for payment of Ihe
indebtednes~ secured hereby, and shall nOI affect the lien or priorilY of lien hereof on Ihe Propeny. Borrower shall pay Lender a reasonable service
charie, together with such litle insurance premiums and attorney's fees as may be incurred at Lender's option, for any such llction if taken at
Borrower's request
t3.FORBEARANCE BV I.ENO"':R NOT A WAIVI':R. Any forhcarance hy Lender in elliercising any right or remedy hereunder, or otherwis~
a.Worded by applicable law, shall nol be a waiver of or predude thr. elliercise of any right or remedy. The acceplance by lender of paymenl orany
sum sc'cured by Ihis Inslrumenl after Ihe due date of such payment shall riot be a waiver of lender's right 10 eilher require prompt payment when
due of all olher sums so secured or 10 declare a def2.uh for failure 10 make prompt payment. The procuremenl of insu,rance or lhe payment of taxes
or olher liens or charges by Lender shall nOl be a waiver of Lender's right 10 accelerale the mawrityof 1he indebledess secured bYlhis.lns,\rumeill,
nor shall tender's rccdpt (If any awards, pro.:eeds or damages under paragraphs 5 and II hereof operate 10 cure or waive Borrower's'default in
paymen! of sums secured hy Ihis Inslrumenl. .
[:80(, U52 LICE 109
(paR' 4 of 8 pug,,)
,... F.STOPPt:L CF.RTIFICATI-:. Rflrrower \hall within len days of a wollen re<IIIC\1 from lender rurni\h Lender wilh a wrillen stalemenl, duly'
a~knowled&e,l, 'elling (orlh Ihe sum' ,ecured hy thi\ In\lrumcnl and any righl or \et.nfT, cflunlerclaim ur fllher defen,e which nisls aeainst such
sums and Ihe ohligalinn\ of thi, lmlrumcnl.
15. UNIFORM rOMMF.R('IAI.l'OllF. SF.l'lIRITY Al;Rf:f:Mf:NT. Thi. Inll,umen, i. inlended '0 he a 'ocllri'y aK,,,men' punuan..o .he
Uniform Commercial ("ude for any of the item\ \~dfied ahuve a\ part uf Ihe l'rupcUY which, untler applicahle law. m:lY he ,uhjecllo a \tcurilY
inttrest punu;lnl In the Uniform Commerdal elide. and R(lrrnwer herehy gran" I.ender a ,ecurity inlere't in uid item'_ Rurrower aaree\ thai
tCOiler may file thi\ Il1\lrulllenl, nr il reproductIOn Ihereof. in Ihe real e\tille rel:Ufth or ulher apPlllprialr intlrx..l\ II financing 'Ialrmenl fur IIny or
thr ilrm' 'pccifiCtl ahuvc in S1;lrl of thr PrO('lCrlY, An)' rrprnduflion elf thi, tn'lrumenl or of any ulhcr \cnuity .I&(eemrnt or fin:mdng st:atement
shall be sufficienl as a financing ,laic men.. In addilinn. Dorrnwrr agrer' to urcule and deli....er to 1-ender, ufIC-ln l.ender's requell, any financina
slate menU, 3\ well In ulen\i"n', renewal\ and amendmrnt\ Iherenf. and rel,mduclions uf this I",trumenl in such furm as 1.ender may require to
perfecl a security inlere\t wilh respecl 10 \aid item\. Hormwer Shilll p"y all C1Jm of filing such tinancing ,laic men Is and any ulemions, renewah,
amendmenl' and re1ea\es therenf. and shallp3Y all rra\onahlr cum and eJ.pen'es of any re<<:ord searche, ror financing sUCemenlS Lender mllY
reasonably require, Wilhout Ihe prior wrillen comenl uf Lender, norrower shall nol creale ur sulfer to be created pursuant to the Uniform
Commercial Code IIny olher ~ecurilY inleresl in said items, including replace menU and addition, Ihereto. Upon Unrrower's hreach of Iny covenanl
or agreement or Rorlllwer wnlained in Ihis Instrllmenl. includlfl& the cnvrnanl\ 10 pay when due all sum, secllIed hy Ihis Inmumenl, tender shall
hitYe lht' remedie, (If il ,elured l'imy IIndrr Ihe Unifurm Commercial {'ode and, al "ender's oplillR, may al\<l invoke Ihe remedies provided in
paragraph 27 or thi\ InmulTlenl a' to ,uch ilem\. In eJ.erci..ing any of ,aid remedies, lender may proceed again\tlhe ilem' of real propcny and
any items IIf prUlltlill plupeflY 'pcdtied aho....e in pan of thr Prnpcrty separalely or logether and in any order wh,lIsorver. wilhnut in any way
affecling Ihe availahility (If l,rndrr's remedies under the Uniform Commercial Code oroflhe remedies provided in paragraph 21 of this Inmumenl.
m' I.f:ASf:S OF Till-: PROPf:RTY. ^, lI\ed in Ihi, pOlJ:lgraph 16, the word "Iea'e" shall mran ",uhh:a,e" if Ihi, Inmument is on a leasehold.
r lwer ,hall comply with and oh,erve Rorrower's ohlif..atinn' as landlord under alllea,es of the propeny or .my part thereuf. Rorrower will not
leas any ponion of Ihe Pro~rty for flQK-:<<I(~m{ix~l ucept with Ihe prior wriuen approval of lendrr, Borrower. 011 1.ender's request, shIll
. ruJ'h lender wilh ",c,",d copi.. or all 1m.. now "i"ing 0' hercaOer made nr ,11 or ,ny p'" or .he ProperlY. and alii"... now 0' hereaOer
lered inl" wjll he in form and ~uh\lance mhjeclto Ihe appro....al of lendrr, Alllea'e\ of Ihe Propeny ,hall specifically provide Ihat such leases
. are suhordinale 10 Ihi!> InmuOlenl; that Ihe lenanl atlorn~ In lender, !iiuch attorn men I (0 he e{frctive upon L~nder's acqui.,irion or tille 10 Ihe
t:: Property: thallhe leMilR1 agree' 10 eJl.ecute such furth..:r evidrnces of attornment 3' lender may from lime 10 time request: Ihallhe attornmenl of the
;::: tenanl shall nOI be terminated by foredmure; and thai lender may. at lender's oplion, accept or rejecl such attornments. Borrower shall not,
_ wilhollll.ender'\ wrillen l'nn,enl. execule. modify. ,urrender or terminale. rhher orally or in wriling. any lease now exisling or hereafler made of all
or any pan of Ihe Property providing for a lerm of Ihree years or more. permit an assignment or sublease of such a h:a,e wilhoUllender's wriUen
(on\ent, or requrst or consenlln Ihe suhnrdin.llinn of any lease of all or any part of the ProJlCny 10 any lien sllhordinate 10 Ihi\ Instrument. If
Rorrower becumes ",wilre thai :my teMilnl pmpmes to duo or ili dtling. any act or thing which may give rise to any righl or sel-off against renl,
Rorrower shall (i) lake ~lIch steps as shall he reasonahly calculaled lU preventlhe accrual of any right 10 a set.off againsl renl, (ii) notify lender
thereof and of Ihe amount of said set-offs. and (Hi) within len days after such accrual, reimhurse Ihe tenanl who shall have acquired such right to
set.olT or take sut'h olher sleJls a' shall eITectively discharge such sel.off and as shall assure that renls Ihereafter due shall continue 10 be payable
without set-olT or deduclion.
Upon lender', request. Borrower shall assign 10 Lender, by written instrument satisfaclory 10 lender, all leases now eJ.istini! or hereaOer made
of all or any pan of Ihe ProperlY and all security deposits made hy lenants in connection wilh such leases of the Property. UP'1M assignment by
Borrower to lender of any leases of Ihe Property, lender shall have all of the righls and powers possessed by Borrower rJifl! 10 ,uch assienment
and lender shall have the right 10 modify, extend or terminate such existing leases and to execule new leases. in lender's sole discretion,
17. RI-:MF.DlF.S CUMU1.ATIVF.. Each remedy provided in this Instrument is distinct and cumulalive to all other rights or remedies under this
Instrument or afforded by law or equity, and may be rxercised concurrenlly, independenlly. or successively, in any order whatsoever.
18. ACCELERATION IN CASF. Of BORROWF.R'S INSOLVF.NCY. IrBorrowcr .hall volunlarily file, peli,ion und'rlhe federal Bankrupocy
Act, a~ such Act may fwm time In time be amended. or under any similar or successor Federal stalute relating to bankruptcy, insolvency,
Arrangements or reorganizations. or under any Slale hankruplcy or insolvency act, or file an answer in an involuntary proceeding admitting
insolvency or inability 10 pay debts. or if Borrower shall fail 10 oblain a vacation or May of involunlary proceedings brought for the reorganization,
dis\Olulion or Iiquidalion of Borrower. or if Dorrower shall be adjudged a bankrupt. or if a trustee or receiver shall be appoinled ror Borrower or
Borrower's property, or if the Propel1Y shall become suhjecllo Ihe jurisdiction of a Federal bankruptcy court or similar slale court, or if Borrower
shall make an assignment for Ihe brnefit of Borrower's credilors. or if there is an allachmenl. execution or other judicial sei2.ure of any portion or
Borrower's assets and such seiwre is not dis_charged within len days, then Lender may. al lender's option, declare all of the sums secured by Ihis
Instrumenllo be immedialely due and payahle without prior notice to Borrower, and lender may invoke any remedies permined by paragraph 27
of thi, Inmumen!. Any attorney's fees and other expenses incurred by lender in connection with Borrower's bankruptcy or any of the olher
aforesaid even IS shall he additional indebtedness of Borrower secured by Ihis Instrument pursuanlto paragraph 8 hereof.
19. TRANSFF.RS OF Tm: PROPF.RTY OR 8F.NEFICIAL INTF.RF.STS IN BORROWER; ASSUMPTION. On .alc 0' tran.fer 0((;) all or
any part of Ihe Property. or any intereSI therein. or (iil heneficial inlerests in Borrower (if Borrower is nol a nalural person or persons but is a
corporalion. parlnership, tlUSI or other legal entity). lender may, al lender's option, declare all of Ihe sums secured by this Instrument to be
immediately due and payable. and lender may invoke any remedies permitted by paragraph 27 of (his Inslrument. This oplion shall not apply in
case of
(a) tramfers by devise or descenl or by operation of law upon (he death of a joinl tenant or a partner;
(h) sales or Iransfers when Ihe transferee's creditworthiness and management ability are satisfactory 10 lender and Ihe Ilansferee has
execuled. prior 10 the sale or transfer, a wrillen aS5umplion agreement conlaining such lerms as lender may require, including, if required
by Lender. an incrrase in the rate of interest payable under the Note;
(c) Ihe grant of a leasehold inleresl in a pan of Ihe Property or three yeafS or less (or such longer lease (erm as lender may permil by ~rior
wrillen approval) not containing an oplion to purchase (except any interest in the ground lease, if this Instrument is on a leasehold);
(d) sales or transfers of hene'ficial interests in Borrower provided Ihat such sales or transfers, togelher wilh any prior sales or transfers of
beneficial interests in Borrower. hUI excluding sales or transfers under subparagraphs (a) and (b)aboye, do not result in more than 49%
of Ihe beneficial interests in Borrower having been sold or transferred since commencement of amortization of the NOle; and
(e) sales or transfers of fixlUres or any personal property pursuanl to the firsl paragraph of paragraph 6 hereof.
10. NOTICE. Except for any nOlice required under applicable law to be given in another manner, (a) any notice 10 Borrower provided for in this
Instrument or in Ihe Note shall be given by mailing such notice by certified mail addressed to Borrower al Borrower's address slaled below or at
such olher address as Borrower may design ale by notice to Lender as provided herein, and (b) any notice to lender shan be given by cenified
mail, return receipl requesled, to lender's address stated herein or 10 such other address as Lender may designate by notice to Borrower as
provided herein. Any notice provided for in this Inmumenl or in the Note shall be deemed 10 have heen given 10 Borrower or lender when given
in the manner designated herein,
21. SUCCESSORS AND ASSIGNS BOUNII: .JOINT AND SEVERAL UA8JLlTY; AGF.NTS; CAPTIONS. The covenanlS ,nd aKreemenlS
herein conlained shall bind. and the rights hereunder shall inure to, the respective SUCct.ss,ors and assigns of lender and Dorrower, subject 10 the
provisions of paragraph I Q hereof. All covenants and agreements of Borrower shall be joint and several. In ellerching any rights hereunder or
lakina any actions provided fur herein, lender may acl lhrough its employees. agents or indeJlCndenl conlraclors as aUlhoriud by Lender., The
captions and headings of the paragraphs of this Instrument arc for convenience only and are not to be used to inlerpret' or define the provisions
hereof.
21. UNIfORM MULTIFAMILY INSTRUMF.NT; GOVF.RNING lAW; SF.YERABILlTV. ThiJ form or multifamily in5lrumenl combines
uniform covenants for national use and non-uniform covenants with limited vnrilltions by jurisdiction to constitute a uniform security inSlrument
coverine real propeny Ind related fixtures snd personal property, This Inslrument shan be llovemed by the law of the jurisdiction in whieh the
Propeny illaclted. In the event that any provision of Ihislnstrumenll>l the Note conniels wilh applicable law, such conflict shall not affect olher
provisions of this InSllumenl or the Nole which can he given elfeet wilhout Ihe oonnictina provisions, anrt to this end the provisions or this
noOK !J52 I'^GE !llei/. (portS of 8 pOrts)
InlllUment and the NOle are declared 10 be ~verilble. In Ihe evcnllhu any applictlhle iaw limiune Ihe amuunl or inlere$l or OIher charles
~rmillcd Co be collecled trom Borrower is inlerpreled 50 Ihal any ,harlc (lrovided ror in this Inslrumenl or in Ihe NOle, whelher oonsidered'
scpalllcly or 10lelher wilh olher charieslevied in connection wilh Ihis Inurumenl and Ihe Note, violilles such law, and Borrower is entilled lolhe
benefic or luch law, such charic is hereby reduced 10 lhe eJ,lenl ne<<nary 10 eliminille sUl:h viola lion. The amounls, ir any, previously paid 10
Lender in uce" or Ihe amounlS payable 10 lender punuanl 10 such chules Ii reduced shall be applied by Lender 10 reduce Ihe pnncipal or Ihe
indebtedneu evidenced by Ihe NUle. For the purpose or delerminina: whelher any applicable law limitina th: amounl or inlere$l or 01 her charees
permilled 10 be collecled rrom Borrower has been violated, ..11 indebtedneSi which Ls se,ured by Ihis Inslrument or evidenced hy the NOle lInd
which consulutes interest, as well as all other ,harees levied in conneclion with such indebtedneu which oonlolitule inlefelol, dlilll be deemed III be
allocated and spread over the slaled term orlhe Nole. Unleu ulherwi10e required by applicable law, such allucalion and spre..dinll ,hill! be effecled
in luch a manner Ihallhe rale or interesl computed thereby ilo unirorm throujhnutlhe slaled term or Ihe Nole.
13. WAIVER OF STATUTE 0.' 1.IMITATlONS. Borruwer herehy willve. the ri,ht In iluert ;allY 10latule or IlIIlllaljom iU a bilr 10 the
enrorcement or Ihe lien or Ihis Inslrument ur 10 any actiun hrllllKhllU enrum~ Ihe Nute ur ..ny ulher nblJi\:illiun ~ecured hy Ihilo In$lrumenl.
U. WAIVER OF MARSUALl.ING. NUlwithslilndinllthe ulloteRl.:e or any ulher .ecurilY interests in the Property held by tender or by jny other
pany, Lender Ihall have Ihe riahl 10 delermine the order in whith IInyor all t)( Ihe Propeny shall he subjected 10 lhe remediel provided herein.
Lender Ihan have Ihe riehllo delermine the order in which any or all portions IIr Ihe indebledness secured hereby lire sillistied rrom Ihe proceeds
realiud upon Ihe elerdse or lhe remedielo provided herein. Borrower, any party who cunsenls 10 this Inslrument and ilny party who now or
hereafter acquires a security intereu in the Pruperty IInd who has aClulI1 or cllnuructive nOlice hereor herc:by waives ilny and all riiht 10 require the
manhallina or auets in ronnectinn wilh Ihe eJ,erdse or IIny or Ihe remeJies (lCrmilled by applicable law or provided herein.
15. CONSTRUCfION LOAN PROVISIONS. Borrower aKrees hI cOlllply with the (Ovenanls and cunduUlm of the Cumllucliun Loan
Aarcemenc, if any, which is hereby incorporaled by reference in and made a pilfl or Ihis Inmumen!. All ..dvances made by lender pursu..nllo Ihe
Construction loan Aerecmenl shall be indehledness or D<mower secured by lhis Instrumenl, ilnd such advances may be obligauJI)' as provided in
Ihe Conslruction loan A&reemenl. All sums disbursed by lendr.r prior to rompledon of Ihe improvements In prulttlthe securilY of Ihis Inurumenl
up to the prindpal amounl or the Note shall be trealed liS disbursements pursuant to Ihe Conslruction loan Agreement. All such sums shall bear
interelt rrom Ihe dale or disburse men I at Ihe rale slated in the NOle, unless evllection from Borrower of inleresl al louch rale would be conllary to
applicable law in which evenl such amounts shall bear inleresl iltlhe hi~hesl rate which may be collected from Borrower under applicable law and
shall be payab'e upon notice from lender 10 Borrower requeseine pilymmc Ihercfor.
From ume to time as lender deems necessary to pratecI lender's inlerests, Borrower shall, upon request of lender, execule and deliver 10
Lender, in such form as lender shall direct, assignmenls of any ..nd all nehls or claims which relale 10 Ihe con!itruclion or the Propcny and which
Borrower'may have againsl any pany supplying or who has supplied labor, materia's 0' services in oonncction with conslruction oflhe Propeny. In
casc or breach by Borrower orthe covenanlS and conditions of the Construction loan Aerecment, lender, at lender's updun, with or withoul entry
upon ,the Propeny, (i) may invoke any of the rights or remedies provi~t:d in the Conslrucuon loan Agreement, (ii) may ..ccclerale Ihe sums
secured by Ihis Instrumenl and invoke Ihose remedies provided in paragraph 27 hereof, or (iii) may do bOlh. Ir. after Ihe commencement of
amorti1.ation oflhe NOle,lhe Note and this Instrumenl arc sold by lender, from and afler such sale the Construction loan Agreement shall cease
to be a pan of Ihis Inslrument and Borrower shall nOI assen any righl of set.off, counterd..im or othcr claim or detense arising Qui or or in
connecuon with the Cunstrul,;'lion loan Agreemenl againSl Ihe obligalillns or the Nole and Ihis Instrument.
26. .ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; U:NDER IN POSSESSION. A. part or the consideralion for 'he
indebledness evidenced by the Note, Borrower hereby absolutely and unconditionally assigns and transrers 10 lender all the renls and revenues of
the Propeny, including Ihose now due, pasl due, or 10 become due by virtue of any lease or olher acreemeR1 for the occupancy or use of all or any
pan or the Propeny, regardless or to whom Ihe rents and revenues of the Propeny are payable. Borrower hereby authorizes lender or lender's
agents 10 collect the aforesaid rents and revenues and hereby direcls each lenant of ehe Propeny to pay such rents to lender or lender's agenls;
provided, however, Ihat prior 10 written nolice given by lender to Borrower of the breach hy Borrow,"r of any rovenant or agreemenl or Borrower
in Ihis Inslrumenl, Borrower shall collecl and receive all reOlS and revenues of Ihe Property as trustee for Ihe bendil of lender ..nd Borrower, 10
apply the rents and revenues so collected 10 Ihe sums secured by Ihis Instrumenl in Ihe order provided in paragraph 3 hereof with the balanl,;'e, so
long as no such breach has occurred, 10 the account of Borrower, il being intended by Borrower and lender that Ihis assignment of rents conslitutes
an absolute assignmenl and nOI an assignment for additional security only. Upon delivery of wrillcn nOlke by lender 10 Borrower of Ihe breach by
Borrower of any covenant or agreemenl of Borrower in Ihis Instrumenl, and withoul the necessilY of lend!.:r entering upon ..nd laking and
maintaining full conllol or the Property in person, by agent or by a coun.appointed receiver, lender shall immedial~ly be enlilled 10 possession of
all rents and revenues of the Property as specified in Ihis paragraph 26 as the same become due and payable, including but notlimiled 10 rents then
due and unpaid, and all such renls shall immediately upon delivery or such notice be held by Borrower as Inlslee for Ihe bcnefil of lender only;
provided, however, Ihat the written nouce by lender 10 Borrower of the breach by Borrower shall conlain a slatement tbal lender exercises its
rights to such renls. Borrower agrees Ihal commencing upon delivery of such wrillcn notice of Borrower's breach by lender 10 Borrower, each
lenanl oflhe Property shall make such renls payable 10 and pay such rents to Lender or Lender's agenls on Lender's wrilten demand to each tenant
lherefor, delivered to each lenant personally, by mail or by delivering such demand 10 each rental unil, without any liabililY on Ihe part of said
lenanl to inquire run her as to Ihe existence of a defauh by Borrower.
Borrower hereby covenanlS that Borrower has not execuled any prior aS5ignmenl of said renlS, that Borrower has nol performed, and will not
perform, any acts or has not execuled, and will nol exeCUle, any inslrumenl which would prevenl lender from exercising its rights under this
paragraph 26, and thai al lhe lime of execulion of Ihis Instrumenllherc has been no anticipation or prepayment of any of Ihe renlS of the Property
ror more Ihan two monlhs prior to Ihe due d..tes or such renls. Borrower covenants Ihal Borrower will not hereafler collect or accept paymenl of
any rents of Ihe ProperlY more Ihan IWO months prior lU Ihe due dates of such renls. Borrower funher cuvcnanls Ihal Borrower will execule and
deliver to lender such further assignments of renls and revenues of the ProperlY as Lender may rrom time to time request.
Upon Borrower's breach or any covenanl or agreement of Borrower in this InstrumeRl, Lender may in person, by. agent or by a coun.
appoinled receiver, regardless or the adequacy of lender's security, enler upon and lake and maintain full ronllOl or the Propeny in order 10
perrorm all acls necessary and appropriate for lhe operation and maintenance thereof including, bUI notlimiled 10, tbe execution, cancellauon or
modification of leases, lhe collection of all renls and revenues of the Propeny, Ihe making of repairs 10 the Property and the cJ,ecuuon or
termination of contraclS providing for Ihe management or maintenance of the Property, all on such terms as arc deemed besl 10 protect' the security
or lhis Instrument. In the evenl lender elects 10 seek the appointmeni or a receiver ror the Propeny upon Borrower's breach of any covenanl or
agreemcnl of Borrower in lhis Instrument, Borrower hereby expressly consents 10 che appointmenl of such receiver. lender or the receiver shall be
entilled 10 receive a reasonable fee for so managing the Propeny.
All rents and revenues collected subsequent to delivery or wriuen notice by lender 10 Borrower of Ihe breach by Borrower or any covenani or
aareemenl or Borrower in Ihis Instrument shall be applied first to the COSlS, irany, of laleing control of and managing Ihe Propeny and collecung Ibe
rents, including, but nOI limiled 10. atlomey's fees, receiver's fees, premiums on receiver's bonds, costs of repairs 10 Ihe Property, premiums on
insurance policies, taxes, assessments and other charges on the Propeny, and Ihe cosls of discharging any obligation or liability or Borrower as
lessor or landlord of the Property and then 10 the sums secured by this Inslrumenl. lender or the receiver shall have access to the booles and
records used in the operation and maintenance of the Propeny and shall be liable 10 accounl only for Ihose renls aClually received. lender shall not
be liable 10 Borrower, anyone daiming under or through Borrower or anyone having an inleresl in the Propeny by reason of anYlhing done or left
undone by ~nder under Ihis par..graph 26.
If lhe renls of the Property arc not sufficient 10 meel the com, if any, of laking conlrol of and managing the Propeny and collecting Ihe renls',
any funds upended by Lender for such purposes shall become indcbledne~s of Borrower to Lender secured by this Instrument pursuant 10
paragraph 8 hereor, Unless Lender and Borrower a~ree in writin,eiQ olher lerms of payment, such amounts shall be payable upon notice from
Lender to Borrower requestina paymenlthereof and shall bear inlerest rrom the dale of disbursemenl al lhe rale slaled in the Note unless payment
of inlerest at such rate would be contrary 10 applicable law, in which event such amuunts shall bear inlerest at Ihe highesl rate' which may be
collected from Borrower under applic..blc: law.
Any entering upon and taking and mainlainine of control of the Propcny by Lender or the receiver and any upplica,tion of renlS as provided'-
herein shall not cure or waive any derauh hereunder or invalidate any olher right or remedy or lender under applicable law or provided hertin.
This assienmenl or renls of the Propeny shalllerminale at such lime as Ihis Instruqtenl ceases 10 secure indehledness held by Lend~r, '
Uniform Covenanls-Muhifamilv-1177-FNMAlFHLMC Uniform Inslrumenl
1'1'1r flr.,I),.., f HI(
(pog, 6 of 8 pog..).
Non.Uni1orm C().~nanls. ll11rruwer and l.ellder rllrlher cnvenalll allll agree '" rollows:
11. ACC.:1.F.RATION: R.:MF.IlIES. Opt)" nurrnwcr'~ hU:ilch t,r ilny cu\!rnJnl ur 3gfc('menl uf nnrruwcf in Ihi, l",ulImenl, indudine. hUI nllt
lImllt'd 10,lh(' cannanl' 10 pay 'NhC'n duC' any ,urn' u'cUfCl! lIy thi, In\lrumcnl,I.C'nllcr OJll.ender', llJ'lliCln may dcdarc :llIo(,h(' \um' u'c:urcd h)'
thi, In\lwmC'nl If) he imnlrdi;lldy clue' and pllyahlc WilhllUI (uflhl."( tlrol.lOlI ;1o,III1:1Y (nr~(llI\(, Ihi, In,"urn"nt hy jUtlil'i;,lrlrllt't't'lline' ;Inti mllY
invoke' any IIlher rrmrdic\ f't'rmillcd 11)' aJlplkahlr law or providell hrfrin, I.rndN ,hali"; rnlillC'd In c:ollrel all rml\ ;tllll tIlJlt'R't'\ incurred in
(1UnUIn& ,ud, r('mediC". indudinR. hili nnl liollled 11'. ,,"urncy', rrC'\ IIr ..".,,,.~.....,,,,'ll Hf Ih(' U"fuitl halant'C' nr thl' ,,11I1' u'('urrd h)' thi,
In'IrUmCnl hul nol In' Ihan lIS S ..,21.~o.O..O.o..... .,. ;lnd l'tI,1\ or documrnlary rvidrntt'. :111,u;H'" OIn.I lillt' H'pl.I'"
211. Rt:l.t:ASt:. tJ(1l1n ('ayme'nl Ilf all 'III"' '1."1.:1111."11 hy Ihi, In'lrllnlrnl. I.entlcr ,hall din'h;u!:C' thl\' hnUumt"nl IInHlIw('r ,hilll (M)' I,('nllt""
Ita,onahlc ('om innlUt'd in lIi,"h.ui:Jng Ihi, In,uument.
19. "URCIIAS.: MONI-:\' MOH'ft:ACa:. If ,III or pari of 1Ill' 'UIII' 'rc\lIell hy Ihi, In\Hlllllenl ,ul.' 1t'1I1 In 1l.lrrnwel III .tUluire llllc In Ihe
PrnptllY. Ihi, 'nurument i, hereh)' declared In ht' II I"urchil\r money mnrlgage.
:\n, FlJTLJRI-: AOVANC.:S. Uron requr't of n"Huwer. tender. al Lender', n{llinn \() lung il\ lhi\ Imtrumenl \c('ure' indchICdne\"i held hy
l.C'ndC'l. ntay makC' Fulurr Atlv.lRl'e.. In nmwwer SlIth Fulurr Allvancc\. wilh inlerc..t Ihercun. ,hall he ,el.turtl hy Ihi, In\lfuntC'nt wht'n
C'vltlcn(.ed hy proml"ory nnlt'\ \taline Ihal \aid nnle.. lHt' \ct:'urrtl hCfChy Al nn limt' \h<llllhc principal ilmelllO'llf the indehlC~dn(''' \ectuC'd hy Ihi..
ImulImenl. ntlt induding ..urn.. advant'l~d ill :Il.('Clttl;lnt.C helewilh In pflltetllhe \Cfllril)' Ilflhl\ In'lrllmenl, ('",eelllhe ClriginOlI alllounl nf Ihe Nnle
(US $...60,0" O,QQ" 0.0....... I pili" the ;lIhlilinnal \um IIf lIS $........
~'1. t:ONn:SSION OF .I1JnGMt:NT t'OR POSS..:SSI0N. (lllllnwrr herehy i1t1lhnrile\ lInd emjltlWCI' .IIlY itlhH'lC~)' 4lf ,lilY cllurl uf record in
IhC' Cnmnlllnweilhh nf Penn'ylvania. a, allornt'y fOI ROHllwer and all fleuom cia imine under or Ihrnugh Rorlllwer. In ,jgn an ;lerermenl for
cnlering in any fompclC'nl courl an amicilhle aclion in rjeelmenl for f1<me....ion of the Prnprrty and In apprar for and eonfe.... jlldemcnl again"l
Rnrrowcr fllr recovery hy lender nr pl.l\~e\~ion (If Ih~ PrnJlt'rty in the evenl of any defauh hrrellndcr nr under the NUlr. Thi\ tn\UUmCnl or a cnp)'
theleof vcril1ed hy affidavil \hall he a \lIffit:ienl warranl Iherefnr. ilnd thereupon a wril of flm,c,\inn may i,o;uC' immrdiiucly fur rn\~c~~inn of the
Proptr1Y, withoUI any prior wril or pruceeding and wilhout any ~Iay nf execulion. Lender may hring an amicahle action in t'jeclmenl ,lAd confe\\
judgmenl lheldn hcfore m lIfler Ihe in\lilulinn of prcl<:ecdingo; tn fnredo~c lhe Iicn uf Ihi.. In'lrumcnt ClI In en(ClIfC' IhC' NUle. or a(lcr cntry of
judgment Ihcrein or nn th~ NClfC, or art~r if Sheritr.\ uJe of .Ilt' "tort'/IY in whidll.rn.Jt'f it. .he SIl("l:l.'s..ful hitldcl. Rnrrower ilnd tender agree thai
Ihi.. aUlhorizalion 10 pursue \uch pruceedjng~ for ohlainin& ptl\~es~iCln and confc......itln or judgmenl i\ an e...\clllial pari Ilf Ihe remedie\ for
cnrurcemcnl of Ihi.. Inmumenl and Ihe Nole ilnd Ihat stich aUlhnri7.illinn ...hall ~urviv(' any cllccutinn \ale to l.ender.
IN WITN(~SS WllfRHW. Borrower has executed lhis Instrument or has causell Ihe same 10 he execuled hy its rcpresenl:1tivcs
Ihereuntn du)y/,1Ilhnriled.
......(......~:::V.L.:-::::~:...................................................
F
~.;tL
............. ~.
'\lE ii'f.iTij"'Y;';" "BRENEj,iJiN'; .... .....................................................( S.al )
. .. '2f.7cl. ,,"
F' . .' " }.~. '~/I "\ """ ".~". ..," /'
....){/zCt?,:. ..~:...~.,.........,:;:.Jl........(....... ,.r......h..r..l.....,...I..............( Seal)
, ..... MICHELLE C. BRENEMAN
..................................................(S.al)
........................................(S.al)
Witnenes:
Bnrrower.... Address:
....................................................................................................................................
..s..~.~...l?lint lock Ridge Road
Mechanic:s'ij.ur.g.;....pi\....i''i'05S............................................................
.....,.............................................................................................................................
..............................................................................................................................
I herehy certiry Ihat the precise address or the wilhin named Lender is ..................................................................................................................
Second & pine Streets, Harrisburg, PA 17101
.......................................................................................................................................................................................................................
t" ....~..._-....~~_...... . .
I,
i
Ji\::::.. )....i;..)...
') rnm.f .~,q .'': '
...",y "'] .~'.,
~ .qc;Y'P'l..1.,'M'1~'.1 ,,;~~, .
....-- --_....:-.......
/!// .
........... . i' '....1 t..1-'2../"
. ..... )......./1...........................................................................
, On hehalr or Lender
~
~OOK U52 ",ICE 1 O~
(oop, 1,,( II ~.......I
. .
CORPORATE ACKNOWU:DGMENT
COMMONWEALTlI OF PENNSYLVANIA. ........................................... CounlY ss:
On Ihis ....................... day or ................................................... 19.......... hefure lIIe. the undersigned ollicer, personally appeared
....................................................................., who acknowledged himself 10 he the ......................................... or .....................................
................................................, a corporation. and Ihal he as sllch .......................................... heing 'Illlhoril.ed 10 do so. execuled the
roregoing instrument for the purposes therein conlained hy signing Ihe name of Ihe cllrporali"n hy hilllself 'IS ..................................
...................................
IN WITNESS WIIEREOF. I hereunlo sel lilY hand 'lIld ollictal seal.
.........................................."..............................................
Tille or Ollicer
INmVIDUAI. ACKNOWLEDGMENT
COMMONWEAI.TII OF PENNSYI.VANIA. .........Y.~H;)$........................ Counly ss:
On Ihis ..........?~!:1....... day of ...........!?~p..t~~!?~.L................, 19~.?..... before lIIe. Ihe undersigned omcer, personally appeared
.... ........f!.~.!1j!!.'H~!L. !-M.. .!l.~.~. !1m!1\1n.. .(In!!.. .!1.i.<;:.t!~.l.). ~..S;.,...!l !:~.!1~!!1~n........... ............................ known 10 mV: (or sa lisr~loril y provo
en) 10 be Ihe person(s) whose name(s) ..........i!.!::~.......... suhscribed to the witbin inSlrllmenl 'Ind ~c~now1e!tge.:J:\4.~i...tl.,~l:'.. .......
executed lhe same for Ihe purposes therein conlained. .:' ~~.:: '_\:~,,'~I_.'.. ';J" -.; .
': -a' ',1 .. ~ L.... .
IN WITNESS WIIEREOF. I hereunto set my hand and official seal. . .,: - , -!! ."~:
, ~// ~J/J1i "j)'j;' it .',
......40;clZit!l.'1t.f.:~';:;-....lq.f,Z .::::.:..~<.............
'.' ", I A. ......'; ,t.. ...'~
Notary p\{IHi...,...... - "
........ ua;!!lWWo:l ~
Z~l v-. Vd ~M8!^1le~
0:> lIIO~I~'O ueai~le~
ou<IIld Tf:I9 'MWJ.ON
Tille of Ollicer
INDIVIDUAL LIMITED PARTN.:RSIIIP ACKNOWLEDGMENT
COMMONWEAI.TH OF PENNSYI.VANIA, ........................................... County ss:
On Ihis ....................... day of ................................................... 19.......... hefore me. the undersigned officer. personally appeared
....................................................................................................................................................................................................... Ihe indi.
vidual( s) named in the roregoing instrumenl as Ihe General Partner( s 1 or ........................................................................................ a
Limited Partnership, and, on behalf of such Limited Partnership. did acknowledge Ihe foregoing instrumenllo he Ihe act and deed of
said Limiled Partnership.
IN WITNESS WIIEREOF, I hereunlo set my hand and official seal.
0---.
'0
~-
---
Title of Officer
CORPORATE LIMITED PARTNERSHIP ACKNOWLEDGMENT
COMMONWEAI.TIl OF PENNSYI.VANIA. ........................................... Counly 55:
On Ihis .....................,. day of .................................................., 19........., before me. lhe undersigned ollicer, personally appeared
..................................................................................., who acknowledged himself 10 be the ......................................................................
of ......................................................................................................., Ihe corporation named in lhe foregoing inslrumenl aSlhe General
Panner of ........................................................................................... a Limited Partnership, and thai he as such ...................................
.............................. of the General Partner, being authorized to do so. execuled the foregoing instrumenl for the purposes therein
cOnlained in the name of such Limited Partnership by himself as ......................................................................... of the General
Partner, on behalf of said Limited Partnership.
IN WITNESS WHEREOF. I hereunlo set my hand and official seal.
Title of Officer
BOOK U52 I'AGE 1 (17
PF.NNS\'LVANIA-Muhiramily-1177- "NMA/FHLMC Uniform Inslrumenl
(pag. 8 of 8 pag")
ALL that certain tract of land situate in the Township of lIampden, County of
Cumberland and State of Pennsylvania, bounded and deacribod 00 follow., to wit:
.'" ~
BECINNING at an iron pin on the north aide of the State Highway leading from
lIarrieburg to Carlisle, known as U.S. Route No. II, which iron pin is 10 feet
distant northwardly from the north edge of the present concrete; thellce alollg
land formerly of Charles Eberly, now of James T. Johnson & Co., Inc., north 7
degrees 17 minutes east, 242 feet to an iron pin; thence along land formerly of
Ceorge C. Heagy, Jr., Bouth 82 degreee 43 minutes east, 253.3 foet to an iron
pin at the fence line on the western side of the Sporting lIill Road, known as
Legislative Route 21016; thence along aaid Sporting Hill Road, south 20 degrees
west 249.7 feet to an iron pin on the north side of the aforesaid State Highway;
thence along the north side of said State lIighway, north 82 degrees 43 mlnutes
west, 198.5 feet to an iron' pin, the place of BECINNINC.
CONTAININC l~ acres of land, and having thereon erected a 2~ story brick
apartment building.
SUBJECT to such rights and privileges which have heretofore been granted to the
Commonwealth of Pennsylvania for the purpose of widening and improving the said
State lIighway and the Sporting lIi11 Road, known as Legislative Route 21016.
UNDER AND SUBJECT TO ~estrictions, conditions and easements of rec9~d.
BEING the same premises which Ralph S. Bailey and Carol K. Bailey, his wife,
by deed dated December B, 1975 and recorded in the Cumberland County
Recorder's Office in Deed Book J-26, Page 313, granted and conveyed unto
the Mortgagors herein.
THE MORTGAGORS represent and warrant that neither of the parties hereto has
heretofore instituted divorce proceedings against the other and it is further
agreed that the lien, operation and effect of this mortgage should not be
changed in any manner as a result of or part of any property settlement or
equitable distribution by the court in any divorce proceedings now or hereafter
instituted by either of the mortgagors hereto against the other.
DURING the term of the mortgage, the mortgagors will provide an annual
operating statement showing income and expense of the subject property,
supported by the Federal Tax Return.
."
"', '.
. .. .~';',:
,<';
.... .:
,Jr'. ;.
:; :::~1G of ?enn5ylvan1~a ..;h~; '~~:S(' ..... ../:'"
':::)U/'\!" of ClJmgarland J.l,':-.qu~ . :; '.
, ',,< ,. , '.', .. ....J,..... ,..;'" .....,.
;':lcordsd In the 1;T!lca ,or...:J ,0,........;." -.. .. '.'
::tr...i.!l.P1. d fC,..e'W1q:;C!:::nCi..":!.c,;n::t., t~a. let
InC l/~~)3c:,;:t:l7..:7\V(';!__ ;~~;\~:")--_.[.;.,.:",-,:',...~
"-.~)t(""'''''..:\ll:,.;,j ','on) C~''';;';'''';'7' '.': ~;f..'"
'''''''''O''~ 'r, '.,., ....'j...J
;-:'11131." Pa.:,'" o-.~;~:.5--~-<j~OOK
EXHIB~T "A"
U52 rm 1(J~
IOHARRIS~
D SAVINGS BANK
~35 :\onh Second Street
P. O. Box 1711
Harrisburg. Pennsylvania 17105.1711
717/~36..1041
December 18. 1997
NOTICE OF INTENTION TO FORECLOSE lvlORTGAGE
Michelle C Breneman
5001 Carlisle Pike
Mechanicsburg, PA 17055
Dear Mongagor:
The MORTGAGE held by the Harris Savings Bank (hereafter we. LIS, or ours) on YOllr
property located at 5001 Carlisle Pike lvlechanicsburg. PA 17055 IS IN SERIOUS DEFA ULT
because you have nOI made regular payments of $5, 671.92 for the months of October, November
and December 1997; Late charges (and other charges) have also accrlled to this date in the
amoum of $783.39. The total amount now reqllired to cure this default, or in other lVords. get
caught lip in your payments. as of the date of this lerler is $17.799.15.
You may cure this default within THIRTY (30) DA YS of the date of this letter. by paying to us
the above amount of $17,799.15 plus any additional momhly payments and late charges which
may fall due during this period. Such payment must be made either in CASH, CASHIER'S
CHECK. CERTIFIED CHECK OR J'vIONEY ORDER. and made at any of our offices.
If you do not cure the default within THIRTY (30) DA YS. we intend to exercise our right
to accelerate Ihe mortgage payments. Tlzis means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the chance to pay off the original
mongage in monthly installments. If full payment of the amount of default is not made within
THIRTY (30) DA YS, we also intend to instruct our attorneys to stan a lawsuit to foreclose your
mongaged property. If the mongage is foreclosed, your mongage property will be sold by the
sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the
default before they begin legal proceedings against you, you will still have to pay the reasonable
attorney's even if they are over $50.00. Any attorneys fees will be added to whatever you owe
us. which may also include ollr reasonable costs. If you cure the default within the THIRTY (30)
DA Y period. you will not be required to pay attorneys fees.
We may also sue you personal(v for Ihe unpaid principal balance and all olher sums due
under Ihe mortgage.
If you have nol cllred Ihe deJewl1 wilhinthe Ihir(v day period andjoredosure proceedings
have begun. you slill have Ihe righllO cure Ihe de/ell/II and prevenr Ihe sale at any lime up lO one
hour before Ihe sherij)'sforedo.l'llre sale. YOII lIIay do so by paying Ihe 10lal amoum oflhe IInpaid
momMy paymenls plus any lale or Olher charges Ihen due. as Ihe reasonable allorney's fees and
cosls connecled wilh Ihe foreclosure sale (and perform 'my Olher requiremems IInder Ihe
morlgage). II is eSlimaled Ihallhe earliesl date Ihal such a sherij)~f sale cOllld be held \I'ould be
approximalely June 3, 1998. A /lolice oflhe date oflhe sherifj~f sale will be semlo YOII before Ihe
sale. Of course, Ihe amounl needed 10 cure rhe deftlllll will increase Ihe longer you wail. rou may
find our al any lime exaclly whal Ihe required paymem will be by calling liS al Ihe fOllowing
number: 232-6661 exl. 62-10 or 1-800-55-1--1572 eXI. 62-10. This payment musI be in CASH.
CASHIER'S CHECK. CERTIFIED CHECK OR MONEY ORDER and made payable 10 I/S allhe
address slaled above.
You should realize Ihal a sherij)'s sale will end your ownership of Ihe morlgaged property
and your righl 10 remain in it. if yo II continue 10 live in Ihe properly after Ihe sherij)'s sale. a
lawsuit could be slarled 10 evicI you.
You have addilional righls 10 help proleel your interesl in Ihe property. YOU HA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PA Y OFF THE /vIORTGAGE DEBT.
OR TO BORROW AlONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT. (YOU !"MY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY Sr..:BJECT
TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE
DEBT. PROViDED THAT ALL THE OUTSTANDiNG PAYMENTS. CHARGES AND
AITORNEY'S FEES AND COSTS ARE PAID PRiOR TO OR AT THE SALE. AND THAT THE
OTHER REQUiREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONT.-lCT US TO
DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. roc HA VE
THE RIGHT TO HA VE THIS DEFA ULT CURED BY ANY THIRD PARTY ACTING O.V YOUR
BEHALF
if you cure Ihe defaull, Ihe morlgage will be reslored 10 Ihe same posilion as if no defr.llI11
had occurred. However, you are /l01 emitled 10 Ihis righl 10 cure your default more Ihan Ihree
limes in any calendar year.
Sincerely YOllrs.
Lisa Alarsh
Colleclion Supervisor
LM/vw
We may also sue YOII personally for Ihe IInpaid principal balance and all olher slims due
lindeI' Ihe morlgage.
If you have nol cured Ihe defil/lll wilhin Ihe Ihirly day period and fiJreclosllre proceedings
have beglln. you slill have Ihe righllO cure Ihe defilllll and preventlhe sale al any lime up 10 one
hOllr before Ihe sherijj'sforeclosure sale. You may do so by paying Ihe IOlal amollnt oflhe IInpaid
monthly payments pIllS any lale or olher churges Ihen due. as Ihe reasonable aI/arney's .tees und
COSIoi' connecled wilh Ihe foreclosure sale (and perform 'my olher reqlliremenrs under Ihe
morlgage). II is eslimaled Ihallhe earlieoi'l dale Ihal such a sheriffs sale cOllld be held 1I'01lld be
approximately Jllne 3. 1998. A notice oflhe date oflhe sherijj~~ sale will be sent 10 .1'011 be.tiJre Ihe
sale. Of course. Ihe amollnt needed 10 cure Ihe defaull will increase Ihe longer you wait. You may
find 011/ at any lime exaclly what Ihe required paymenr will be by calling us al Ihe following
number: 232-6661 exl. 62./0 or 1-800-55./-./5i2 eXI. 62./0. This payment mUSI be in c..J.SH.
CASHIER'S CHECK. CERTIFIED CHECK OR AIONEY ORDER and made payable 10 liS al Ihe
address stated above.
You should realize Ihat a sheriffs sale will end your ownership oflhe morlgaged property
and your right 10 remain in it. If YOII continue 10 live in Ihe property afier Ihe sheriffs sale. a
lawsllit could be slarled 10 eviCI YOII.
You have additional righlS 10 help prOlect YOllr inreresl in the property. YOU HA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN J'v!ONEYTO PAY OFF THE MORTGAGE DEBT.
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT. (YOU NEAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SCBJECT
TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE
DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS. CHARGES AND
AITORNEY'S FEES AND COSTS ARE PAID PRiOR TO OR AT THE SALE, AND THAT THE
OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO
DETERMINE UNDER WHAT CIRCUlv!STANCES THIS RIGHT MIGHT EXIST. YOU HA VE
THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
If you cure Ihe defaull. the morlgage will be reslored 10 Ihe same position as if no defaull
had occurred. However. YOII are nol entitled 10 Ihis right 10 cure your defaull more Ihan Ihree
limes in any calendar year.
Sincerely yours.
Lisa Marsh
Collection Supervisor
LM/vw
We may also sue YOIl personally for the unpaid principal balance and all other sums due
IInder the mortgage.
If you hare not cllred the defemltll'ithinthe thirty day period andjiJrec/oslIre proceedings
have begun. YOIl still have the right 10 clIre the default and prevent the sale at any lime up 10 one
hour before the sherifJ'sforedosllre sale. 1"011 may do so by paying the toral amount oflhe unpaid
monthly payments plus allY late or Olher charges then due. as the reasonable aI/arney's fees and
costs connected with the foreclosure sale (and perform any other requirements under Ihe
mortgage). It is estimated that the earliesr date that such a sherif),s sale cOllld be held would be
approximalely June 3. 1998. A notice of the date of the sherijj's sale will be sent (0 you b~tiJre the
sale. Of course. the amollntlleeded to clIre Ihe defalllt will increase the longer you wait. You may
find out at any time exactly what the required payment will be by calling liS al the fiJllolI'ing
number: 232-6661 ext. 62./0 or 1-800.55-1--1572 ext. 62-10. This payment must be in CASH.
CASHIER'S CHECK. CERTIFIED CHECK OR MONEY ORDER and made payable (0 us al Ihe
address stated above.
You should realize rhat a sheriff's sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the sheriff's sale. a
lawsuit could be started to evict you.
You have additional rights to help prolect your interest in the property. YOU HA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN iviONEY TO PA 1" OFF THE 1'-'10RTGAGE DEBT.
OR TO BORROW i.lONEY FRO/vi ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT. (YOU lVL4Y HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY Sr..:BJECT.
TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE
DEBT. PROVIDED THAT ALL THE OUTSTANDING PAYMEjVTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE
OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONT.4CT US TO
DETERMINE UNDER WHAT CIRCUk!STANCES THIS RIGHT MIGHT EXIST. YOC: HAVE
THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
If YOIl cure the default. the morlgage will be restored 10 the same position as if no defemll
had occurred. However, YOIl are nOI entitled 10 this righl (0 cure YOllr default more Ihan Ihree
times in any calendar year.
Sincerely yours.
Lisa Marsh
Collection Supervisor
LM/vw
.
You may be eligible for financial assistance that will prevent foreclosure on your
mortgage if you comply with the provisions of the Homeowners' Emergency ,Hortgage
Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control, you have a reasonable
prospect of resuming your mortgage payments, and if you meet other eligibility requiremellts
established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It
contains an explanation of your rights.
Under the Act. you are entitled to a temporary stay of foreclosure on your mortgage lor
thirty (30) days from the date of this Notice. During that time you must arrange and at/end a
''face-toface'' meering with a representative oflhis lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to auempt to work out a repayment plan, or (0
otherwise settle your delinquency. This meeting must occur in the next (30) days.
If you attend aface-toface meeting with this lender, or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of rhis meeting. The name, address and relephone number of our
representative is:
Denise Reirzi, Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O. Box 1711, Harrisburg, PA 17105
(717)-232-6661 exr. 6228 or 1-800-554-4572. exr. 6228
The names and addresses of designated consumer credit counseling agencies are shown
on the attached sheet. lr is only necessary to schedule one face-toface meeting. You should
advise rhis lender immediately of your intentions.
Your mortgage is in default because you have failed to pay promprly installments of
principal and interest, as required, for a period of at leasr sixty (60) days. The total amount
of rhe delinquency is $17,799.15. That sum includes rhe following, regular payments of
$5,671.92 for rhe months of Ocrober, November and December 1997; plus late charges
tolaling $783.39.
Your mortgage is also in default for rhefollowing reasons: None
If you have tried and are unable to resolve rhis problem at or after your face-toface
meeling, you have the right ro apply for financial assistance from rhe Homeowner's Emergency
Mortgage Assisrance Fund. In order to do rhis, you musr fill our, sign and file a complered
Homeowner's Emergency Assistance Application wirh one of the designared consumer credit
counseling agencies listed on rhe auachment. An application for assisrance may only be obtained
from a consumer credir counseling agency. The consumer credit counseling agency will assist
you in filling our your application and will submir your complered application to the
. Pennsylvania Housing Finance Agency. Your applicarion musr be filed or posrmarked. lVithin
rhirty (30) days of your face-to-face meeting.
.,
We may also sue YOII personally jar the IInpaid principal balance and all other slims dlle
IInder the mortgage.
If YOII have not cllred the dejcllIlt within the thirty day period and joreclosllre proceedings
have begun. YOII still have the right to clIre the dejcllIlt and prevent the sale at any time lip to one
hour before the sherijfsforeclosllre sale. 'lOll may do so by paying the total amount of the IInpaid
monthly payments plus any late or other charges then due. as the reasonable allorney:~ fees and
costs connected with the foreclosure sale (and perform any other requirements lindeI' the.
mortgage). It is estimated that the earliest date that such a sheriffs sale cOllld be held would be
approximately June 3. 1998. A notice of the date of the sheriff's sale will be sent to you bejore the
sale. Of course. the amount needed to cure the default will increase the longer you wait. 'lOll may
find out at any time exactly what the required payment will be by calling us at the following
number: 232-6661 ext. 6240 or 1-800-554-4572 ext. 6240. This payment must be in CASH.
CASHIER'S CHECK. CERTIFIED CHECK OR lvlONEY ORDER and made payable to us at the
address stated above.
You should realize that a sheriff's sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the sheriff's sale. a
lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU ItA VE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN lvlONEYTO PAY OFF THE lvlORTGAGE DEBT.
OR TO BORROW MONEY FROA>I ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT. (YOU l\lfAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT
TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE
DEBT. PROVIDED THAT ALL THE OUTSTANDING PAYivIENTS. CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. AND THAT THE
OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED). CONTACT US TO
DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT ,'lIGHT EXIST. YOU HA VE
THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
If you cure the default. the mortgage will be restored to the same position as if no dejclUlt
had occurred However. you are not entitled 10 this right to cure your default more than three
times in any calendar year.
Sincerely yours.
Lisa Marsh
Collection Supervisor
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GENERAL COUNSEL
IUHARRIS
o SAVINGS BANK
234 North Second Street. Harrisburg, PA 17101
(717) 231-7535. ext. 2916 . FAX ('117) 231.6186
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HARRIS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 98 - 3332
CIVIL
BENJAMIN L. BRENEMAN and
MICHELLE C. BRENEMAN,
Defendants
CIVIL ACTION - LAW
MICHELLE C. BRENEMAN
816 FLINTLOCK RIDGE RD.
MECHANICSBURG, P A 17055
TO: BENJAMIN L. BRENEMAN, #09144-067
ALLENWOOD FEDERAL PRISON CAMP
P.O. BOX 1000
MONTGOMERY, PA 17752-9718
DATE OF NOTICE: August 7, 1998:
IMPORTANT NOTICE - TEN DAY NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF
THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND
YOU MAY LOSE YOUR FROPERTY OR OTHER IMPORT ANT RIGHTS. YOU SHOULD TAKE
THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSN.
2 LIBERTY AVE.
CARLISLE, PA 17013
(717) 249-3166 OR 1(800) 990-9108
Date:. ~/;/c;~
Respectfully submitted,
By fi~d
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, P A 171 0 1
(717) 236-4041
1.0. #27767
EXHIBIT
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
( ) Confessed Judgment
(X) Other
File No.
Amount Due
Interest (1/18/99)
Late Charges (1118/99)
Escrow due
Casualty Ins.
Atty's Comm
Costs
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract,
or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding
filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 or 1974 as amended
HARRIS SAVINGS BANK,
Plaintiff
v.
BENJAMIN L. BRENEMAN and
MICHELLE C. BRENEMAN,
Defendants
.
.
98-3332 Civil Term
$534,768.45
68,820.62
4,178.08
298.45
5,347.68
28,639.75
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and
costs upon the following described property of the Defendant(s) 5001 Carlisle Pike, Hampden Township,
Mechanicsburg, Cumberland County, Pennsylvania 17055 (See Legal Description attached hereto and
incorporated herein as Exhibit A.)
PRAECIPE FOR A TT ACHMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named garnishee,W for the following property (if real estate, supply six ("
copies of the description; supply four copies ofIengthy personalty list) 5001 Carlisle Pike, Hampden Township,
Mechanicsburg, Cumberland County, Pennsylvania 17055 and all other property of the Defendant(s) in the
possession, custody or control of the said garnishee(s).
- (Indicate) Index this writ against the gamishee(s) as a lis pendens against real estate of the
Defendant(s) described in the attached exhibit.
Date:
~,~hf
Respectfully submitted,
By /Jto/~
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
(717) 236-4041
I.D, #27767
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RICI-IARD C, RUBEN
G ENlmAL COUNSEl.
DHARRIS
IiI SAVINGS BANK
2:lol North Second Street. Harrisburg, PA 17101
(717) 231,7535, ext. 2916 . FAX (717) 231-6186
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RICI'IARD C, RUBEN
GENERAL COUNSEl,
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m SAVINGS BANK
2:H North Second Street. Harrisburg, PA 17101
(717) 2:11.7S:J5, exl. 2916' FAX (717) 231,6186
DHARRIS
U SAVINGS BANK
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d <Ie;. 7760;0'-
235 North Second Street
P. O. Box 1711
Harrisburg, Pennsylvania 17105,1711
717/236,4041
FACSIMILE TRANSMISSION
COVER SHEET
TO:
l.aU) OlX'N:
DATE:
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ATTN: (!O'ldy
FROM:
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MESSAGE:
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PAGES TO FOLLOW. IF ALL PAGES NOT RECEIVED, CALL SENDER
IMMEDIATELY at (717) 909-2916 FACSIMILE (717) 231-6186
THIS MESSAGE IS INTENDED ONLY FOR THE USE OP THE INDIVIDUAL OR ENTITY TO WHICH IT IS ADDRBSS.m I AND
MAy CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT PROM DISCLOSURE UNDER APPLICABLB
LAW. IF THE READER OP 'l'JIIS MESSAGE IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT
RESPONSIBLE POR DELIVERING THE MESSAGE TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIP:ED THAT ANY
DISSEMINATION, DISTRIBUTION OR COPYING OF THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU JlAVB
RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY US IMMEDIATELY BY TELEPHONE (COLLECT), AND RETURN'
THE ORIGINAL MESSAGE TO US AT THE ADDRESS ABOVE VIA THE U. S. POSTAL SERVICE. (WE WILL REIMBURSE
POSTAGE. ) THANK YOU.
ORIGINAL DOCUMENT WILL/WILL NOT BE FORWARDED BY MAIL
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RICHARD C. RUBEN
GENERAL COUNSEL
IUHARRIS
U SAVINGS BANK
234 North Second Street. Harrisburg, PA 17101
(717) 231,7535, ext. 2916' FAX (717) 231.6186
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RICHARD C. RUBEN
GENERAL COUNSEL
DDJHARRIS
Iil SAVINGS BANK
234 North Second Street. Harrisburg, PA 17101
(717) 231.7535, cxL 2916' FAX (717) 231.6186
FEB C 3 1999 fJJ
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property. Copies of counsel for Defcndant/Respondent and the Trustee's Stipulations are attached
hereto and incorporated herein as Exhibits "A" and "B",
WHEREFORE, Plaintiff/Movant Harris Savings Bank respectfully requcsts this
Honorable Court grant a Stay/Postponement of the Sheriffs Sale on the property situate 5001
Carlisle Pike, Mechanicsburg, Cumberland County, Pennsylvania scheduled for February 10,
1999, until April 21, 1999, without additional advertisment.
Date:
~JI /qq
/ /
Respectfully submitted,
By //l4#~--
Richard C, Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
(717) 909-2916
1.0, #27767
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61/27/1999 ,17:46. 7172312916
HARRIS SAVINGS BANK
PAGE Il'5
HARRIS SAVINGS BANK,
PlllintiffIMovsnt
IN TI-IE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 98 - 3332
CIVIL
BENJAMIN L. BRENEMAN and
MICHELLE C. BRENEMAN,
DefendantslRespondents
CIVIL ACTION - LAW
;}.. STIPULATION
AND NOW, thisdf. day of ~ 1999, I, Leon P. Haller, Esquire Chapter 7
Trustee hereby stipulate and agree with the terms and conditions as set forth in Plaintiff/Movant
Harris Savings Bank's Motion For A StaylPostponement of Sheriff's Sale to April 21, 1999,
Date:
I !J1!f~
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Chapter 7 Trustee
719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
I.D. # I S/eJ, ()
.
PLAINTIFFS. .
EXHIBIT.
.,.13
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Harris Savings Bunk
-vs-
Benjamin L, Brcneman and
Michellc C. Brencmun
In thc Court of Common Pleas of
Cumhcrland County, Pcnnsylvania
No, 98-3332 Civil Tcrm
Dawn 1. Kell, Deputy Shcriff, who being duly sworn according to law, says on October 8.
1998 at 6:21 o'clock P.M, E, D, S, T" shc postcd a true copy of Rcul Estate Writ Notice Poster
and Description in the above cntitled action on the propcrty locatcd at 5001 Carlisle Pikc,
Mcchanicsburg, Cumberland County, Pennsylvania according to law,
Patricia Shatto, Real Estate Deputy, who being duly sworn according to law says on October
2,1998 at 3:45 O'clock P,M, E, D. S. T., she served a true copy of real Estate Writ Notice Poster
and Description in the above entitlcd action upon one of the within namcd defendants to wit:
Michelle Breneman by making known unto Michelle Brcneman at Cumbcrland County, Sheriff,
Office 1 Court House Square, Carlisle, Cumberland County, Pennsylvania, its contents and at the
same time handing to her personally the said true and attested copies of the same,
R, Thomas Kline, Sheriff, who being duly sworn according to law, says he made diligent
search and inquiry for one of the within named defendants to wit: Benjamin 1. Breneman, but
was unable to locate him in his bailiwick, He therefore deputized the Sheriff of Lycoming
County, to servcd the within Real Estate Writ Notice Poster and Description.
LYCOMING COUNTY RETURN: Now October 9,1998 at 2:10 o'clock P,M, served the
within Real Estate Writ Notice Poster and Description upon Benjamin Breneman at AlIenwood
. Federal Prison Camp P,O, Box 1000, Montgomery, PA 17742 by handing to him personally a
true and attested copy of the original Real Estate Writ Notice Poster and Description and made
known to him the contents thereof,
So answers: Charles T. Brewer, Sheriff Lycoming County.
R, Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above
Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a
notice of the pendency of the action to one of the within named defendants to wit: Benjamin 1.
Breneman by Certified Mail Return Receipt Requested Restricted Delivery Deliver to Addressee
Only to his last known address Allenwood Federal Prison Camp, p, 0, Box 1000, Montgomery,
Pennsylvania. This letter was mailed under the date of September 30, 1998 and received by
Benjamin L, Brenneman on October 2,1998 the Return Receipt Card signed by Signature
Unreadable. The Return Receipt card is hereto attached,
R, Thoms Kline, Sheriff, who being duly sworn according to law, says he served the within
Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a
. notice of the pendency of the action to one of the within named defendants to wit: Benjamin 1.
Breneman by regular mail to his last known address AlIenwood Federal Prison P,O, Box 1000,
Montgomery Pennsylvania, This letter was mailed under the date of October 12, 1998'and never
returned to the Sheriff s Office,
R, Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above
Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a
notice of the pendency of the action to one ofthe within named defendants to wit: Michelle 1.
Breneman by regular mail to her last known address 826 Flintlock Ridge Road, Mechanicsburg,
Pennsylvania. This letter was mailed under the date of October 2, 1998 and never returned to the
Dorothy A. Deckman
& Gordon E. Dcckman
4048 Lisburn Road
Mcchanicsburg, PA 17055
Gcorge F, Kcttle Enterprises, LLC
7601 Lewinsville Road, Stc. 400
McLean, VA 22102
4, Name and Address of the last rccordcd holder of evcry mortgage of record:
Harris Savings Bank
P.O. Box 1711
Harrisburg; PAm 05
P.O. Box 873
Chadds Ford, PA 19317
131 Centerville Road
Lancaster, PA 17603
5, Name and address of every other person who has any recorded lien on the property:
Diversified Enterprises
and Mortgages
West Go II Real Estate, Inc.
None
6, Name and address of every other person who has any recorded interest in or recorded lien
on the property and whose interest may be affected by the sale:
None
7. Name and addre~s of every other person whom the Plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
Cumberland County
Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
I verifY that the statements made in this Affidavit are true and correct to the best of my knowledge, information
and belief, I understand that false statements mad" herein are subject to the penalties of 18 Pa.C's, ~4909 relating to
unsworn falsification to authorities,
Date: ~(h~
Respectfully sUbmitte~
By )1/4 -
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
(717) 909-2916
1.0, #27767
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