The URL can be used to link to this page

Home My WebLink About98-04406 I 'il ~l ~j i ~ " ~I ~ ~ ~. ,~.'-. '""'l ""~.. ;Ji~;~?iL. ~ "'. .~ ~\ ... "< .~ ... ~ " '\ \ I 1 I I I / i , :' ."~ :!:Y .:xi,:;:fY" ,:t?T?" \ I I 1 (j ... (~ J :--.. .:\ ... ~ " ~l ~5' I" ~', ~: "J FEDERMAN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (215) 56)-7000 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION MAIN LINE BANK, (F/K/A MAIN LINE FEDERAL SAVINGS BANK) ONE ALDWYN CENTER LANCASTER AVENUE & ROUTE 320 VILLANOVA, PA 19085 Plaintiff TERM v. NO. tlt -t/L/t>~1 d~1 CUMBERLAND COUNTY MARY LOU FREUNDEL, AIKIA MARY L. FREUNDEL 7-C TORY CIRCLE ENOLA, PA 17025 WILLIAM G. FREUNDEL 170 FRANKLINTOWN ROAD APARTMENT G DILLSBURG, PA 17019 Defendant(s) CIVIL ACTION - LA~ MORTGAGE FORECLOSURE NO'l'ICE THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. TRUr: """DV FRqA' r:>;:r...."D ....:.,',~;,'. , ~,L ,I '..11 ,..,.'.,...1.., CUMBERLAND COUN'l'Y 'fy h In Test,m0;;\' ',11 :,01, I here un,o ",r ["/ han!!:OURT ADMINISTRATOR ~o here?y eerth t e and the seol 0; 0,]1(/ Court at Carlislo, Pa, 4TH FLOOR within to 00 a truo and This ..,3t..., day Of}:j191.'fCUMBERLAND COUNTY COURTHOUSE correct copy 01 !i18 , . '., '("'1/" "';.cARLISLE, FA 17013 O~:~;;:1'-:ifilo;:!ofl'Ocord .. ................:R.&/~1a..... ....,.d~t.IQ.,..~j.(71 7) 240-6200 I'CT)EFlMAN AND PHELAN '7 Prothonotory FRANK FP.DI!RMAN LAWRf.t.fCI!T.PH!llA"l HAROLD N. KAPUN'. l.B3Ult n. PUIDA" FRANCIS S. HAU.lNAN. DANlPl. O. ScootO THOMAS A. SADOI. maMAS M. F1!OPJ.,\WI" MJOfELB M. DiUDFQRO lOSEWJUE DIAMOND. JAlMm B. COHEN" USA A. DLANKl!.'iSL'RC' DANIEL I. ROCll .A/)Al/T'mDINI',~,tHD.YJ - NEW JDUE'! .\IAN~GlNr;PAKI.V:;R l.AW OrFlCT'..s FEDERMAN AND PHELAN ~urrn ?OO TWO !'ENN <.T.HTT!.R PLA1,"" Pll1LADEUHlA, jI" 19101.11'N I:U}j6J.'OOO 1'A,'<I:m'6J.HH rt:.L.2.COPtER f '::') ~6.1.H14 BANKRUPTCY T'F.U:COPIP.R t:Ul j6&..7616 ~~DI" OFP1CI!. 64] ,'iURTlllffiILDRON MliOIA, PA 190U (:lJl S91~7.u NnW laJtY omen surrn,o, sr:JmlY OFFlen PLA1.A :16 HADDON" VI!NUE Wr:.STMONT, NEW Jl!RSEY 01101 Tl!.U!COPII!R f (609) -1.35-9462 nns Nancn IS 51lNT TO YOU TN AN AnEMPT TO COlllCf THI! INDEIJTJ!DNJ:SS REFERJU!D TO IfF.RI!IN AND ANY INFORMATION OBTAINED FROM YOU WILL BB l:Sr:D FOR nlA T PIJRPOSn, ADMINJSTRATOR DONALD E. GOOOMAN June 17, 1998 William G. Freundel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 Mary L. Freundel a/Kia Mary Lou Frendel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 Re: Premises: Loan No.: 7-C Troy Circle, Enola, PA 17025 50163754 NOTICE OF INTENTION TO FORECLOSE We represent Main Line Federal Savings Bank:, the holder of the Mortgage on the above-referenced premises, who hereby advises that it will accelerate your Mortgage (demand payment in full) and pursue the foreclosure remedies permitted by the mortgage unless your loan delinquencies are cured as provided below. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, you may request the name and address of the original creditor if different from above. The total delinquency, including late and other charges is $9,527.48 for the months of 12/1/97 through 6/1/98. Your failure to pay the delinquent amount, plus any additional monthly payment and late and other charges (including any accrued interest) that ~XH1B1T 1\': may come due acceleration acceleration per:nitted by within the next thirty (30) days, will res~lt of all sums due under your Mortgage. occurs, a foreclosure action or any other your mortgage may be instituted. in the After remedy To avoid the acceleration of your mortgage and subsequent foreclosure action, the delinquency mentioned above and any accrual thereto must be paid by CERTIFIED CHECX OR HONEY ORDER and received in our offices at suite 900, Two Penn Center Plaza, philadelphia, PA ).9102, in or before thirty ( 30) days from the date of this letter. Please call (215) 563-7000 for the exact amount required. You have the right to reinstate your mortgage after acceleration by fulfilling the conditions stated in your mortgage pertaining to such reinstatement. You may call our office to discuss these conditions. '-1 \ Any future negotiations attempting to reinstate your loan or acceptance of any payment less than the full amount due shall not constitute a waiver by the mortgage holder of the acceleration unless agreed to in writing by the mortgage holder. You have the right to assert in the foreclosure proceedings the non-existence of a default or any other defense to acceleration and foreclosure. Very truly yours, FEDERMAN AND PHELAN By:r~~~ Frank Federman FF:mtm cc: Main Line Bank Attn: Michelle McNichols Loan No.: 50163754 EXHIBIT fi: ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN fu~D ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa, Si no comprende el contenido de esta notificacion obtanga una traduccion immediatamente llamanda esta agencia (pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTAllT: NOTICE OF HOMEOWNERS' EMERGE.~CY MORTG},GE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. yOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE A.,.,{D HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: June 17, 1998 RE: Account No. 50163754 Premises: 7-C Troy circle, Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 Mary L. Freundel a/k/a Mary Lou Frendel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 TO: William G, Freundel 7-C Tory circle Enola, PA 17025 FROM: Federman and Phelan, attorney for Main Line Federal Savings Bank You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary EXHI81T "6" 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 requirements 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 for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days, If you attend a face-to-face 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 this meeting. As representative of the mortgage holder, our name and address is: FEDERMAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZe., PHILADELPHIA, PA 19102; Telephone Number: (215) 563-7000. The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $9,527.48. That sum includes the following: Total of monthly payments from 12/1/97 to 6/1/98 including all accrued late charges, if any: $9,.503.48 Property i~spections and NSF check charges, if any: 0.00 Other charges accrued, if any: 24.00 LESS: Suspense (unapplied funds): -0.00 TOTAL AMOUNT OF DELINQUENCY: $9,527.48 Your mortgage is also in default for the following reasons: N/A If you have tried and are unable to resolve this problem at or after' your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage EXH!8IT liB" Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency, The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to- face meeting. It is t.rtremt(v important Ihat you JiI~ your appli,'afion promp/(I'. If you do 1101 do so, or if you do 1101 follow tht othtr timt ptriods stl fonh in Ihis Itlk!r, foreclosure may procetd agaillst your Itomt imm~diat~/y. Available funds for emergency mortgage assistance are very limited, They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342- 2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, FEDERMAN AND PHELAN Byr~~ ~ Frank Federman FF/mtm cc: Main Line Bank Attn: Michelle McNichols Loan No.: 50163754 Sent by Regular Mail, certificate of Mailing (PS Form 3877) C\(' '1"'-1 :IDil ~..._.' -i~1!':~~ U U,..IFQAM COVENANTS. BoIIowll end Llndlr covlnanl and agl" sa lolluw&: I. Paymenl of Principal and IntereSI; Prepayment and Late Chargos. Dollo.....r shall plomplly pay wh." dua !ha pll"cipal of and Inllrul on the dlbl.vidlncld by thl Nol. and anv p,.pavmlnl I"d lall chl,g.. dUI undlr thl tlOIt. 2. Funds for Tues and Insurance, Subl'C1 10 IppllUbl1 llw or 10 a ""'ltll" WI'wlr bV Llndlr. 8o"ow.r shill p.y 10 Land" on Ihe dlV monlhlv plymlnl' Ir. dUI und.r Ih. '~ol'. unhl th. Notl I' plid in lull. I sum iFlmd") lor: (.) yelllV I&.!lU .nd usessments which mlY llt.1in priollty Owlr thi' SeCUrity Insltumlnl IS a IIln on thl Plaplrty. (bl yU'lV leasehold plvmlnll or ground tlnl' on lhl Praplrty. il Iny; (el y..,IV huatd or P'OPlrty InsurancI pllmiums; (dl yurly trood in,"'anc. pllmlums, ,f Iny. (II yllrly mortglg' insulanc. p"mlum., il any. and II) any sum. payabl. by BolIowll 10 Lind". in accordlncl with thl p,ovisionlol p"ragllph B. in liau ollh. Plymlnl 01 mortglllOI inslllancl pr.mium.. Thl" it.ms a" colIUld 'E.crow ".ms., Lender may, II InV tlml, ooll.ct and hold FundS in an .mount nat 10 ..clld Ih. m~imum .mount a Linder 101 . Ilderalli "Iatld mortg.g. loan mav "qulle 10f BoIIO","I(S ncrow account under Ihe tldllat Rul eSloll1 Settllm.nl Procedulls Act 01 lQt.. .u .amond.d 110m lIme 10 tim~. 12 U,S,C, ~ 2001 el '"q iRESPA'). unl...s InOlher la.... that Applies 10 Ihl lunds sels .. I,,"t Imount. II so. Linder mly. It .ny hm., conlctand hOld Fundi in In amount nol 10 l.clOd Ihl luser amoun!. tlndtt may ISlimltl Ihl amount 01 Funds dUI on !hI b.nis 01 current dill Ind I..son.tbll "tim.ltn 01 ..penditulu 01 lulur. uClO..... IIlms or olhllWill olhlllWist In accordanCI WIth appliCablll.1w, Thl Funds shall bl hlld in an inslitution 'IIhose dlpOSllSI" insured bV .Iadllal.gency. insllum.ntality. or Intity (Including Llndlr, il Linder Is such an instllution) or In any Fed.,al Home lOin 8.1nk, LInder sh.ll apply thl FundS 10 p'y Ih. "CtOw Items. L.nder mav not chargl BoIIO....II for holding and applYing thl Funds. annually anllyting lhl .scrow OIccounl, 0' vlrifying thl Es.c:,o"," Itlms, unllSS Linder plVS BorlO.....1I inll"sl on thl Funds end appliclbll law pelmits Llnd.r to make such I chlrgl, Howlwll, I.lndll may requir. Borrower to PolY. ollft.timft cn.'9" ler .11 ind~p.nd.nl rul .,lale I.... leportlng ""'Ice USlld by Llndllr In connlCllon wilh this loan, unless applicable law p,o...idu olh.rwise, Un'e" an agreem.ntl, mad. 01 applicable law r.quir" inl"nllo bl paid, L.nd"r Shall not bl required 10 pay Bonowet any intellst or u/nings on the Funds, aollO'lll!ll and L.nder mly 'glle in .....ritlng. how.vll. lhat inllllSl ~hall be paid on the Funds, Lend" shall give to BolloW~r, without charg.. an annual accounting of the Funds; showing credits and debils 10 the Funds and the purpose lor which nch debit 10 thl Fu"ds was made. The lunds are pledged IS .ddition.J security 101 all sums secured by Ihis Security Insttumenl. lithe Funds held by Llnd.r. uClld Ihl amounts plrmlt1.d to be h.ld by applic3bll law. lender shall account 10 BoltowlI lor !hI e.cn.s Funds in accoldance wilh Ihe requi,em.nts olapplicab'e l.w.1f Ihe amount ollhe Funds held by Lender at any time Is not suHicilnt to pay Ihe Escrow Items when due, lender may <;0 nollfy Botrower In wtiting. and, In such cas. BorrowlI shall polly 10 lender Ihl amount necessary to make up the deficiency, Borlower shall make up the defici~ncy in no more than twel~e monlhly payments, allender's sole discretion. Upon paymenl in lull 01 all sums 5eCUled by this Security Inslrum.nl, l.ndllt shall promptly I"fund 10 Boffowe, any Funds held by lender. II under paraglaph 21. llndll shall oiIcquire or sell Ihe Ptoperty. lender. prior 10 Ihl acquisition or 5.31e of thl property. shall apply any Funds held by Lender at the time of acqui~ition or sale as a credll against Ih. sums secured by this Security Instrum.nt, 3. Application a. Payments, Unl.ss appliC3blo law provides otherwi!;o, all payments recei...ed by Lendel under paragraphS 1 and 2 shall be applied: lirst, to any prepayment charges due undelthe Note; second, to amounts payable under paragraph 2; third, to intatesl du.: lourth, to principal du.; and last,to any lat. chalges due undet Ih. Note, 4, Charges; Li~ns. Bel/ower shall pay all laxes, essessments, cha/ges. lines and impositions al1ributable to Ih. Property which may anain priority over !his Security Insllumant, and luuhold payments or glound ,ents, if any. Borrower shall pay these Obligations I" the manner provided in parngraph 2,ot il not paid in Ihat manner. Bonower shall pay lh.m on time dlleClly to thl person owed pavmenl. Borrower shall promptly furnish to Lender all nolices of amounts to be paid under this paragraph. ~ Borrower makes thlse payments dilect1y. Borro....'.r sh.lI promplly IUlnish to Lender receipls e...idencing th. payments, Boflower shall p,omptly dis.charge any lien which has priority over this Seculity Instrument unless Bollower: (a) ag'~es in writing to the payment 01 the obligation secured by the lien in a manner acceplabll 10 lender; (b) contests in good faith Ihe lien by, or defends against entorcement of the lien in. legal proceedings which in the Lender's opinion operale 10 prev.nt the enlorcement of the Ilen; or (c) secures Irom the holder 01 Ihe lien an agleement sat1staetol)' to lender subordinating the lien to this Secu,ity Instrument. II llnd" determines that any part of the Ploperty is subject to a lien which may al1ain priority over this Security Instrument. Lender may gi.... Borrower a notice identifying Ih.li.n. Bortcwer shall s.alisty Ihllien at tak~ ono or more ollhe actions set lorth above within to days olin. giving of nOlice. 5, Hazard or Property Insurance. BollOW" shall keep the improvemenls now e..isling 0/ hellallll elected on thl Prop'erty insu,ed against loss by lire, hazalds inc!udlld within Ihelerm '.Klended covelege' and any Olher haurd~, including !loods 0' flooding, for which lendllr tequi/lls insurance. This Insurance shall be mainlained in Ihe amounls and lor Ihe periOdS Ihal L~nder requires. The insurance caHIlIr providing lhe insurance shall b. chosen by Bortower subject to lender's approval which shall not be unreasonably withhold. II Bolfow.r lails to maintain coverage desctib.d abo..... Lendet may. at Lender's oplion, obtain coverage to plotect Lender's rights in the P,operty in aceo,danc" wllh paragraph 1. All insurance policies and renewals shall be acceplabr" to Lender and shall include a standard mongage clause. lender shall have Ihl tight to hold th. policies and renewals. II L"ndet tequires. Borrower shall prompUv giv~ 10 lender all receipls 01 paid ptemiums and renewal noliclS. In Ihl ev.nt cllo$l. Borrowet shall give prompt notice to lhe insurance caflie, and lender. lender may make p,ool 01 10", if nol mad. plomptly by Borrower. Unl.n l.nd.r and Borrower oth.rwise ag'ee in writing. insulancl ploce.ds shall be appli"d 10 festoration or lepai, 01 the Property damaged, i1th. restoralion or repair is economically leasible and lende,'s security is not lessen.d, ~ Ihe restoration Ot repair is not economically tusible or l.nder's security 'IIould b. lessen.d. Ihe insuranc' ploc.eds shall bl appli.d 10 the sums secured by this Secu,ity Instrument, wheth.r 01 not th.n du.. wilh any ...cess paid 10 Borrower. II Borlower abandons Ih. Property. or does not answ"r wilhin 30 days a notice ttom lend"r thallh" insuranc. cat/ier has oHered 10 senl. a claim.lhen lender mo1Y collect the insulance proceeds L.nder may use the proclleds to Ie pair at le~tOte Ihe Property or 10 pay sums seculed by this Security Instrument. wh.ther or nol Ihen due. The JO.<lay period will begin wh.n lh. notice is gl....n. Unless Lende, and Borrower olherwisll agree in writing, any application 01 proceeds to principal shall not utend at postpon.the due dllltl 01 the monUy paym.nts relert.d to In palag'aphs 1 and 2 or change Ihe amount 01 the paymenls. II under paragraph 21 the Property is ecquirtld bV lend.r. Borrower', righl 10 any Insurance policies and p'oceeds ,esuiting from damage to the Property prior to Ih. acquisition shall pass 10 L.ndef to tho ulont 01 Ihe sums s"cur.d by Ihis Socu,ily Inslrumont immedialely plio' to the acquisition. FM8.PAJlI (9!.l41 Plq~ 2 0' :; FOlm 3O..i~9 90 ,>,. 1', , , ..;r,d 0:1:' 'In 711 6. Occupancy, Proservatlon. Malntenanco and Protection or'tho Property; Borrower's LOBn Application; Leaseholds. Balla"," Ulllloccupy, .slabli.h, Ind u.. tIl. Prop.rty.. Borro.....r'. pllncipII ,...d.nc. wilhin sllty daY' .tllI th. ..,culion ollhi. s.cU'lty 1Il.trum.nl and sh.1I wnUnu.lo oecupy th. P,op.rty" BaffOw,'" prlncipl' ...id.nc;:.e 10f al 1...lona ynt all.r Iha dal. oloccup.rl!::Y, unl". L.nd.t oth'f\IIlisa agran In ....'iting, ....hich conllnl.hln nol b. un,..ton.bly ....ithh.ld ot unl." ul.nulllng Cllcum.tl"G'~ 1.llt which ara b'yond BalfOw,'" wnl'ol. BolfO......' .h.lI not d.woy, dam.ga ot Implit th. P'op.rty, Illow Ih. P'op.rty to d.tl/'Olll', 0' commil ......sl. on th' P1op.rty. Boffowll shan bl in dlllull it .ny lorf.itura 1c:110n ot proetldlng, whalhe, ci~11 0' Cllminll, IS DIQun Ihal in Land.,', good !.llllh Judoem.nl could luullln lortel'u" Olth. P,op.rty 0' OlheNwi\e m.I"lllly impli' Ih' h.n c/..ltd bl' II'IlS SaCUflty Insl/um'nl 0' L,nd,fs seCUll1y inllrast. Bono"'l/ may cu', suCh' dll.ult and r'II'lSI,II, IS plovidld In p.r.g/lIp" 18, Dy !;.Iusing Iht .Cllon 01 prou'ding 10 bt dismissld wilh. ,uling th.t, in Llnd,,.s good "llh d"IImln.hon, pUlcludU 10rllllul. 01 In, EJ,ollowef" ,"tell" in 11'1. plOpelty or 011'111' malelloll impolllment 01 11'1. lI.n clIll,d by 11'1.. r..cuuly In,llurtlltnl 01 l.rIlle, , \I'c\>IO'y ,nl"'" OoHOW"' ,h.lIll,o bl in dlllull II 00/10'1011, dUling Ihlloan Ipphcatlon pIOC''', gl~' mlll"'llIy 10'11\11 Of inllccuIllHt 1"''I'm.''nn 01 .,,,,.m"nl. 10 lllndlll (o,llIll.d to plovldOl Lllndll w,lh any nl"IIIIl.llnlolm'llon) In connllctlon w,lh Ihe lOin Iv'dlllClld Oy ItI. NOle, Including, bul nollumllld to, 'eplllsenlallons concllnlng BoIIOW"'S occuplncy of Ihl Proplrty as 01 princlpoll ,,,idene. ,1 this $eCUllty Insl,umllnlls on .lusehold, OOffO......, .hlll comply wilh Ih. plovlslonl ollh. III". II Botro~~r aqui,1S r.. I,Ueto ttll Property, IhelllUtlOld and Ihllee litll shall nol mll,ge unlelS Lend" agrees 10 Ih. merger inw'lling. 7. Protection of Lender's Rights in the Property. II BoliO.....' 1111, 10 perform Ihe co~'n'nIS and .g,..m.n" conlain.d In Ihis Security lnslrumltnt, 0' :t1ellt IS a legal proceeding thai may signilic:anUy aHeet Lendltr's lighls In the Ploperty (such IS a proceeding in ban~ruptcy, p'ODIIt, ror condemnalion or 10r1ellure or 10 enlo/ce la.....s 0' regulations), then LInder may do and pay for whatever is I'lecesury 10 prolllef Ih. v.a'u. 01 ml Proplrty and lender', righls in Ihe Property, Llndlr', ac:1ion, may Includl paying any sums Slcurlld I:ly a lien which has p,iority O~If this $ecu,ity InSllumenl, appea,ing In court. p.ying ,easonabll ano,neY"lllu and .nle'lng on tn. Property 10 make ,.pai". Although Lllnder may 100lte aClion under Ihis parag,aph 7, Lendlldoes nolhavltodo so. My amounts disbulSed by Lende, '.Ind,r mls paragraph 7 shaH become additional debt 01 Borrowel secured by thi, Security Insl/um.nt. Unless Bor/o....." and L,nder ailr.. 10 olher Hums of p.ym.nl. IhUIt amounls .h.all bear inle"st I,om tht dal' of disburumlnt al11'1e Noll lall and .hall 01 pa'tlble, wilh inlernt, upon notice 110m Lender 10 BallOW" requesting paymlnt. 8. Mortgage Insurance. II Lender rllqui,ed monglO' Insurance as a condilion 01 making Ihe loan secured by Ihis S.CUllty lnstrumenl, Bolfowltr shall pay the p,emiums required to mainlain Ihl insurance in ellecl. II, 10' any reason, Ihe mort\llgl insulancecoverage required ::Iy Lltndlf lapses 0' CUSU 10 be in eHltcl, BoIfOWII shall pay Ihlt pllmlums ,equilld 10 oblain covllrage substa.nllally equivalel'll to :he mortgagl insurance pllviou~ly in eHect, at a cosl subsl3ntially equivalenl to the c:ost 10 Boflo~er 01 the mortgagll insur3nce previously in .Hect, Irom an 3Uelnate mortgage Insulef approved by Lender. 11 subslanlially equivalenl mortg3QII insur~nce cove,agl is nol availabll, Borrowe, Sh311 pay to Lende, IIIctl month. sum Iqual 10 onl lWeltth ollhe yu/ly mongage insurance p,emlum being paid by Bollower when Ihe iMuranClt coverage lapsed or ceased 10 be in IHeet, Londer will accept, UII and retain Ihesl paymlnls as a loss ,eselVI in lieu 01 mortgagl insulance, Loss ,eselVl payments may no longe, be requi,ed, al!M option 01 Lender, il mortgage insurance coverage ~n the amount and lor the plliod that Lend" IIquires, provided by an insur., apPfovld by Lender again becomes available and is oblained. Bortower shall pay Ihe promlums IlIquired to mainlain mort;~ge inSUI..nce in eHect, 0,10 plovide a 1055 reselVe, untillhl requiremllnllor mortgage Insur:1:lco ends in aet:ordanCI with any wlitten agreement bltween Barlowe, and Lender 0' applic3ble law, 9. Inspection. Lend., or its agltnl may makl flas.onable Inlries upon and inspections olthe Propllrty. Linder shall give Borrower noticlt allhe time 01 01 p,iot 10 an inspection specilying flasonable caustlor Ihe inspection, 10. Condemnation. The proterds 01 anyawald or claim lor damilgrs, direct or consequenlial, in conneclion with any condemnation or olhltr ta~ing 01 any part 01 the Properly, or for convey..nce in lieu 01 condemnation, are he,eby assignltd and shall be paid to Lender. In Ihe e~enl 01 a 10lal 13king 01 the Property,the ploceeds shall be applied to Ihe sums secured by Ihis Security Instrument, whether or nolthen due, .....ith any e.cess paid to Borrower, In Ihe eVlnt 01 a partial laking ollhe Property in which Ihelair market valul 01 11'11 Ploperty immedialely blllore :rIll taking is equal 10 or greater Ihan Ihe amount ollhe sums secured by Ihis Security Insllumenl imm.diatltly belore thl taking, unless Borrower and Lender otherwise agree in wllling,lhe sums 51culld by this Security Insttument snail be reduced by the amount 01 Ihll proceeds mulliplied by the lollo.....ing Ir;ac:lion: (a) 1M lotal amount 01 the sums Slcured immediately belore Ihe laking, divided by (b) the lai, malket ~alulI 01 Ihe Property immediately before thl taking, My balan~ shall be paid 10 Borrowllf, In t1'le event 01 a panial taking oltnl Property in which Ihe laIr ma,ket valul of Ihlt P,operty immediately bolore thela~ing is Ins Ihln tn, amounl ollhe sums secured immediately bllo/ll Ihe la~ing, unless BotlowlI' and Lltndel olherwise agrre in writing or untrss applicable law olheMise provides, Ihll proceedS shall be applied 10 the sums sltcu,ed by Ihis Security Ins!fument whethe, Of not the sums arelhen dUI. I! Ihe P/operty is abandoned by Bollowr" or if, ahor notice by Lender \0 Ballower that the condemnor oHers 10 ma~e an award or settle a claim lor damages, Borrower lails 10 respend 10 Lender within 30 days aller Ihe dal>: Il1e nolice is given, Lend" is aulhorized 10 collect and apply the p,oc:eeds, at ils option, eithlt' lo,estoralion or rcpail ollhe P/operty or 10 Ihlt sums secured by this Security (nwument, whethe' 01 nOllhen due. Unless Linder and Borrower othll\lo'is, a9rll. in writing, any applicalion oj proceeds 10 principal shall not edend or postpOnlt Ihlt due date ollhe monthly payments lele,red to in paragr3phs 1 and 2 or changlt the amount of SUCh payments. 11. Borrower Not Releasedi Forbearance By Lender Not a Waiver. E.dltnsion or the liml lot payment 0' modilication 01 amortlzalion oj Ihe sums seculed by this Seculity Inslrumenl granled by Lender to any successor in Intereslof Borrower shall not operate to ,eloa~e the liability olth' original Boflower ot Borrower's SUCCOS~OIS in inlorest, LIndel shall not be required to c:ommence pfoCeedings againsl any successor in inlelesl 0' leluselo ..lend time lor paymenl or olher....ise modify amonizalion ot the ~ums secured by this Security Instrument by leason 01 any drmand made by Ihe original Borrower or BoIIOWC"S SUCClt$Sors in inletesl. MY 10rOealance by lendllr in e.lelcising any tighl or ,emedy shall nol be a waiver of or preclude the e.ercl51 01 any right or lemedy. 12. Successors and Assigns Bound; Joint and Several LiabililYi Co~signcrs. The covenants and Iglle- menls of this Security Instrument shall bind and beneliltho succossor~ and assigns 01 Lender and Borrower, subjeet to Ihlt pro. visions 01 pal3graph 17, Bollowe"s covenanlS and agreemenls shall bl joinl and 50'10'31. My Borrowltt who co-signs Ihis Secu,ity Inst,ument bul does nol eucull the Note: (011 is co.signing this Security Inslrument only 10 mor1gage, gIant and convey Ihal Bollower's inlorest in the Propcrty under thlt terms 01 this Security lnstrumtlnl; (b) is nol pelsonally obligated 10 pay Ihlt sums se- cUllld by this Security Instrumenl; and (C).19reIlS that Londo, a.nd any olher Bollower may agrellllo nlend, mOdify,lorbear or make any accommodalions wilh rega/d to the le/ms o/this Security lnslrumltnl or the Nole wilhoullh31 Boflowef's conslllnt. FMB.PAJI2 ('iP.l P~\I<: J or 5 Form JOJ9 9/90 ~)\e ~oo'i P3S W~ 712 13. Loan Charges, II thl lo"n slculed bV this SeCUllty Insllumenl is subjecllO allw which setl m&Jimum lOlnct1algl', and that law 1lllnall.,. Inlerp"t.d 10 thai thl Inl.,..lor othlr loan chalg" colllcled or to bl coUected In connl<:tlon wilh thl loan ,.cud thl plrmlttld Umit.. then: (a,an.,. such loan charge shill bl "duud b.,. Ihe amount nlC"wry to IIdu~ tht chalge to Ih. plrmittld limit; and (b) any sums alrudy collect,d I,om Borrower which uc"dld permitted limits will b, IIlundld 10 Borrow.,. und.r me.,. Choo5llo mekllhis "lund by'reducing Ih, principal OWld undlf thl Nott 0' b.,. making a dlf,c:1 paym.nt to Bonow", If. IIlund reduces principal, thl reduction will be t,uted IS a Plt1lal prepaym.nt without any prepaym.nt ch4lQ' under th, Not.. 14. Notices. Nt.,. notice to Bortow.r provided lor In this SeCUllty Instrument sh.n b. given b.,. dllllvlrlng it or by mailing it by filSt clau mlil unl... Ippliublllew r,qui,es us. ol.nolh,r method, The notice shall be directed to the Ploperty Addr.ss 0' any other IddrlSS BauowI' designltl. by noliClIO l.Indor, Nty nOllce 10 Lender shill bl given by Ilrst cia.. mail to Lind.,'. addr". stated hertin or any othlr IddllU l.tnd., dasign"ln b.,. notice to Bo"OWII. Ail.,. nolice pro'/lded 10' In Ihls Secu,lty InsUument shan bl deemed to hive been given 10 Beuow" or l.ender when given.s prOVIded in Ihis Plr.graph. 15. Governing LaWj Severability. This Security Inslrument sh,,1l be govllned by led.,,,lllw and Ihe law 01 tht juri.. dietion in which Ihe Property isloc.;r,led. In the evenllhalen.,. p,ovision or cleu,e 01 this Security Insllumlnt or lh, Nott conlllcts ""ith applicable law, such conllict shall not aHect other provisions 01' this Seculity ln,trument or thl Nole which can be given eHect withoutlhe c;:ontlicting provision. To this end Ih. provisons 01 this Security lnstlument ~nd thl Nole all declalld to b",vlrabl.. 16. Borrower', Copy. Bollower ~all b. given one conformed copy 01 the Note and olthis Seculity lnstlument. 17. Transfer 01 the Property or a Beneficial Interest In Borrower. If all or any partollhe Property or an.,. interest jn Jlls sold or ttansfe"ed (or il ~ beneficial internl in Bouower is sold or Itanslelled and Borrower i, nol a natural pilson) without Lender's prior written consent, Lender may, at lis option, require immediate paymen1 in fun of all sums ~ecllted by thl, SecVliry Instrument. However, thi, oplion shall nol be uelCised by Lender ilexlrcise is prohibited by ledelallaw as 01 the date 01 this Stcullty Instrument. If Lender uercisu Ihis option, Lender shall give Bot/ower nolicl 01 accele,ation. The notice shall provide a pellod 01 not less than 30 days from the date the notice is delivered or mailed within which Borrower musl pay all sums secured by this Security Instrument. II Bouower lails to pa.,. these sums priot to Ihe ellpiration 01 Ihis plliod, Lender ma.,. invoke any remedies permitted by this Security Insllument without lunher notice or demand on Borlower. 18. Borrower's Right to Reinstate. II Borrower meetscenain condilions, Bottower shall have the right to have entorce. ment 01 this SecUlity Instrument discontinued at any time prior 10 the earliet 01: (al 5 day' (or such olher period as applicable I"w may speclly lor reinstatementl beloll sale 01 the Property pursuant to any power 01 sale contained in this Security Instrument: or (b) entry of a judgment enlolcing this Security Instrument. Those condilions are that Borrower: lal pays Lender all sums which then would be due under this Security Instrument and the Note as il no accelllation occulled; (b) cures any defaull of any olher covenants or agreements; (c, paY' all e.penses incurred In enforcing this Security Instlument, including, but not limited to, reasonable attorneys' lees; and (dl takes such aC1ion as Lender may reasonably require 10 assure that the lien 01 this Stcu/ity Instrument, Lender's right' in the Property and Bouower', obligation 10, pay the sums secured b.,. this Security ln,lrument shall continue unchanged. Upon reinstalement by Borrower, this Security Instrument and the obligations secured heulby shall IImain fully eHec:tlve a, il no acceleralion had occur/ed. However, this Ilghlto reinstate shall not apply in the case 01 acceleration under paragraph 17. 1~. Sale of Notej Change of Loan Servicer. The Note or a panial Inlerest in the Note (Iogether with thi, Security Instrument) may be sold one or more times wilhout plior notice to Borrower. A sale ma.,. result in achange in the entity (known as the 'Loan SeNicet') Ihat collects monthly 'pavments due under the Note and this Security Instrument. Thefe also ma.,. be one or more changes 01 the Loan SeNicer unrelaled to a sale of the Note. II thete is a change ollhe l.oan SeNicer, Borrower will be given written notice 01 the change in accordance with par3graph 14 above and applicable law. The notice win stale Ihe name and address ollhe now Loan SeNicer and the address to which payments should be made. The nolice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall nol cause at permit the presence, use, disposal. 'torage. or relelSe 01 any Haza,dou, Substances on or in Ihe Property. Borrower shall not do, nor allow anyone el,e to do, anything affecting Ihe Property that is in violation 01 any Environmental Law. The preceding twO sentences shall not apply to the presence, use, or storage on the Property 01 small quantities of Hazardous Substances thai are generally recognized 10 be appropriale to normal residential uses and to mainte. nance 01 the Property. Borrower shall plomptl.,. give Lender written notice of any investigation, claim, demand, lawsuit or olher aclion by any governmental or regulatory agency or private party involving Ihe Property and, any Hazardou, Substance or Environmental Law 01 which Borrowet has actual knowledge. II Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of an.,. Hazardous Subst:1nce aHe<:tjng the Proportyis necessary, Borrower shall promptly take all necessary 'emedlal actions in aC1:ordance with Enviromental Law. /U used in this paragraph 20, 'Hazardous Subslances" are those dellned as 10llic or hazardous sube:anclS by Environmental Law and the following substances: gasoline, kerosone, other llammable or tOllie petroleum products, tOllic pesticides and herbicides, volatile solvents, material containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20. "Envl,onmental Law" means federal laws and laws 01 the jUlisdiclion where the Property 15 located that relate to health, salety or environmenlal protection. NON~UNIFORM COVENANTS Borrowet and Lender funher, covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under par3graph 17 unless applicable law provides otherwise). Lender shall notify Borrower 0', among other things: (a) the default; (b) the acllon required to cure the default; (c) when the default must be cured; and {d} that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further Inform Borrower or the right to reinstate aner acceleration and the right to assert in the foreclosure proceeding the non-existence of 8 default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further .demand and may foreclo,se this Security Instrument by Judicial proceeding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies provided in this paragraph 21, Including, but not limited to, attorney's fees and costs of title evidence to lhe extenl permitled by applicable law. 22. Release. Upon payment 01 all sums secured by this Security Inslrumenl,lhis Security lnslrumenl and the estate convl!yed shall terminate and bocome void. Aller such occurrence, Lender shall discharge and ~lisly Ihis Seculity Inslrument .-. 193< eoo,( ," " ~iCE 713 Form 3039 9/90 ,",~~V FMO.PA31J ('194) P39~ 4 01 !I withoul Chatglto Bellowl', BellOwlr thall PlY .nv Ilcoldltion tosl.. 23. Waivers. BortOwI', 10 thl 'xtlnl p"mllt'd byappllcabll law, wal..... Ind III..su any IIror or dlllct' In prOOHdlngl to .nfo'~ Ihl, Security "'s!tum.nt, and h.rlby walv..lh' bln.f1I 01 MY p'''lnt or lulU" lawI pto...ldlng lor .IIY 01 1..cyUon, ul.nUon of Ilml, exemption Itom alllchmenl,ll"Y and tll., an() homnllld 1.lmpllon, 24. Rolnstatement Period. Borrowe"s 11m. 10 "inllale plO'lldld In pllagraph 18 shan ..llnd to ani hour prlo, 10 the commlnclmlnl 01 bidding II a IIllriWs sailor other "II pUlluant 10 thi, SeCYlity In'llument, 25. Purchase Money Mortgage. II any 01 thl dlbtSlculld by thil Stculity lnslrumenl Is Ilnllo Bolrow.r to IcqUll. tillllo th. Proplrty,thll Security lnattumlnllhlll bel pUlchll1 manlY mortgegl, 26.lntorost Rate Aner Judgment. Borrowlr Igl...lhlllhl Inllll1llale p.yabll .ltlr I Judgment I. Intlred on thl Noll, or In an action of mOr1glgllolecJosure lIlall be Ihe 1111 payabl. flom tim.lo timl undet Ih. Notl. 27. Riders to this Socurlty Instrument. II on. or more rid". III ..ecutld by Bolrower and recordld logllhlr with Ihis Secutlty lnstrumlnl, ,thl COVlnants and Igreemenll of .,ch such lid" sh.lI b. incolpolllld Inlo and shall amend and supplemlnt the co....n.nts and .gr..mlnls ollhls Security Inslrumenl..II thll rider(s) wer. I pan ollhis Secullty lnsltumenl, (Check appllcable bolt(n)l 0 ADjuslaolll RaIl PJd,r 0 Condominium A;d" 0 1.... FamilyRidlt 0 Gradualed Payment Rider 0 Planned Unit Development Rid" 0 Blwllkly Payment Rider 0 Balloon Rid" 0 Rale Implovement Ridor 0 Second Home Rider 0 Other(s) [specify) BV SIGNING BELOW, Borrow., Iccepls Ind agren to the lerms and co",,,"anls contained in ~his Security Insllument and In any rid.rfs) ueculed by Borrower and "corded with it, .".~.~ " ~ ",-l.." W~~G'JlD;t~/ MARY LD';7FREUNDEL (~al) ~Olfa....e' (Se.l) -8olfo....er (Seal) .6orra_r "I (' -~. I r-"" (SeIl,l) .sor'a.....er (Spat! Below this Un! Far Acknawlcd~emenl] STATE OF PENNSYLVANIA COUNTY OF /l./?d...t,~Ml } } 55: } On this, tho 30th day 01 September. '994 ,boloreme, thlt undersigned officet, pel$Onally appeared WILUAM G. FREUNDEL and MARY LOU FREUNDEL known to me (or salisfac10lily pro..en)lo be the person(s) whose name(s) are Instrument and acknowledged that they e..culed Ihe same for Ihe purpose herein conlalned,. subscribed to the wilhin IN THE 'NITNESS WHEREOF, I hereunlo sel my hand and official seal. NotaritlISc.31 ~K.s...thCf,Nolr.ryPu'ot"c Ci\mp Hill fJcto, Cunit1lrI:>J'ld Cou.--;:Y MyConunL~,~;'\J:!~csAug.25,l~7 M.."fT\b;;r,p~'li'iaj\::mo~~: HJ:;JnC3 J(4Cbnl~ IV Jt1:1uL- Tille 01 OI1icer ,.:;(~~;~:~~~~r{~t:,:; ;, "~"'-.:!l~IL,*n,~~'~c::.:... ~.\.f~:~~~~~i:~:"~:'~ : ,:.";i'~~~\': ..~..:...,...'- My commission e)lpires: FMa.PA31419,-?<11 PIgcSo'S Form30:J9~ ,",ILCt.~ Il,flr,i 1 ?;\:i :'lrr '71,1 FEDERMAN AND PHELAN By: FRANK FEDERHAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (215\ 563-7000 ATTORNEY FOR PLAINTIFF COURT OF COMHON PLEAS <.:IVIL DIVISION MAIN LINE BANK, (F/K/A HAIN LINE FEDERAL SAVINGS BANK) ONE ALDWYN CENTER LANCASTER AVENUE & ROUTE 320 VILLANOVA, PA 19085 Plaintiff v. TERM NO. ft - JIL/(Jt, t2t",:1 CUHBERLAND COUNTY MARY LOU FREUNDEL, A/K/A MARY L. FREUNDEL 7-C TORY CIRCLE ENOLA, PA 17025 WILLIAM G. FREUNDEL 170 FRANKLINTOWN ROAD APARTMENT G DILLSBURG, PA 17019 Defendant(s) CIVIL ACTION - LAW MORTGAGE FORECLOSURE NOTICE THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. ~-.,...- CO ' ',: py n~G;"1 Rrc.-::.r:,D CUMBERLAND COUNTY."-.." " 0 i'lyt.~e ~' . ;IY whereof, I hue unto sol my hariilOURT ADMINISTRATOR r: ~e ~erebY CJ~rt d' ,. .. ';_01 of said Court at CJr!isla, Pa. 4TH FLOOR within to be a t:':0 an " .1:1.03/...... da o~' CUHBERLAND COUNTY COURTHOUSE corroctc?pyo:. ~hO \' _ Y, ........., 19~ARLISLE, PA 17013 criolfl2.1ftledOIlOcord \ ...........~f.WL.........:,~. '. z~J:::J::2....\ 71 7) 240 - 6 200 F[;CJI.:rUVIi'.\\l ".ND PHELAN Prothol1ota'r9 / ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN fu~D ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you, Read the following notice to find out how the program works, If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notificacion obtenga una traduccion irnrnediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGEl~CY MORTGAGE ASSISTANCE PROGRAM P~~E READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: June 17, 1998 RE: Account No. 50163754 Premises: 7-C Troy Circle, Enola, PA 17025 TO: William G. Freundel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 Mary L. Freundel a/k/a Mary Lou Frendel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 FROM: Federman and Phelan, attorney for Main Line Federal Savings Bank You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporarj EXHIBIT uBlI 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 requirements 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 for thirty (30) days from the date of this Notice, During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face 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 this meeting. As representative of the mortgage holder, our name and address is: FEDERMAN AND PHELAN, SUITE 900, ~NO PENN CENTER PLAZA, PHILADELPHIA, PA 19102; Telephone Number: (215) 563-7000. The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $9,527.48. That sum includes the following: Total of monthly payments from 12/1/97 to 6/1/98 including all accrued late charges, if any: $9,.503.48 property iDspections and NSF check charges, if any: 0.00 other charges accrued, if any: 24.00 LESS: suspense (unapplied funds): -0.00 TOTAL AMOUNT OF DELINQUENCY: $9,527.48 Your mortgage is also in default for the following reasons: H/A If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage EXH!BIT "B" Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to- face ,meeting. 11 is _.ttr_m_(v importantlhal YOll Pi, your applicalioll prompl(v. l[yolI do /JOI do so, or if you do /JO' follow Ih, oll"r lim, p_riods s" fonh in Ihis '_lI<!r. foree/oslI" muy prot'"d ugai/ISI YOllr ham_ imm,dialdy. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional timet no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342- 2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, FEDERMAN AND PHELAN Byr~~ ~ Frank Federman FFjmtm cc: Main Line Bank Attn: Michelle McNichols Loan No.: 50163754 Sent by Regular Mail, Certificate of Mailing (PS Form 3877) C\(' II"""'-j uS:t !.~,; nIDI UNIFORM CQvt:NANT$, 00"0......, and l.nd.r covtn.nl.nd .g'tt 5.10110""'; 1, Plyment 01 Principii and Interest; Prepayment Ind Late Chlrgoso OOllo......r ,hili promptly PlY ....h.n du. the prlnc:lpll of Ind Im.rut on Ih. d.bt tvid.nc.d by Ih. NoI. .nd any pr.p.ym.nt and lal. chatgu du. und., th. NOI., 2. Funds for Taxes Ind Insuranco. Subj.c1 10 .pplic.lbl. I..... or 10 . wfln'n .....Iv., by land", 00110....., .hall p.y to l.nd.r on lh. d.y monlhly p.ym.nll .11 d.... undat Iha Not., ...nlll tht NoI. I. p.id in lull, . sum ("F...nds"' fot: (.) yt&rly t..... and .ulumenls .....hicn m.y ..n"in priOllty ower Ihi. $eCUllty Inslrumlnt IS . liln on Ih. Proplrty; (bl 'f..rly t....hold payments or g,ound IInls on the Property, il .ny: (cl 'fU'ly hU.ld 01 P,op.rty insullnc. p'llmium,; (d) 'tully flood in'u'lnCl p"mium., il ..ny; (al YUlly mortoaOIl insullnct p"miums, if any; .nd (fl any sums pay.ble by nor,oW., 10 ltnd." in acco'danc. with the p,ovi'ion.ol palloraph 8,In Ilau ollh. p.'fm.nt 01 mortg.sg.in'ul.nce pr.miums, Thlle II.ms all ul1td "escro.... lI.m,", l.ndtr molY. It any time, colhtcl Ind hold Funds in an Imount not 10 ..cud Ih. maJIimum amount a ltnd., lor I ladllllly ttlatad mortgagt lo.n may IIquilt 10' DorrOwe", .setOw accounl und.r Iha 'edllal Rul Eslal. Sanllfllanl P'oc'du'.. Ac1 01 1!il7" as amend.d 110m Tim. 10 time, 12 U,S,C. t 2GQI II seq, iRESP"ol. unless anOlher IIW thai appliU 10 th. lund, sets II Iflur .mount. If so,lander may. al any lIme, coll'CI and hold Fund. In an .mounl nOI 10 a.end Ih, leu., amount Lender may eslimat. thl amount ot Fund. dUI on the bUls 01 current dala and Illsonable .sumalll or '.penditures 01 luture ncrow n.m, 01 otharwi.. otherwise in accordanc. with applicable I..w, Thl Fund, shaH b. held in an In'hlution whon dlposits "II insured by. ledllalagency, inslrumenlality, or .ntity (Including Linder, if Lender i. ,uch an inSlitutlon) or In any Federal Homlloan Bank, l.nder shall apply th. Funds 10 pay th. .SCtow it.m" l.ndt' may not ch"'g. Dotlower lor holding and applying Ihe Funds, annuaJty anat'f2ing th. IICIOW accounl, or Vilifying thl Ese,ow lI.ms. unl... lender pays Borrow., inllrest on the Funds and applicabl.law permits L.ndllIO make such a chl/gl, Howe~er, l.nder m.y t.quirt Bouower 10 pay a onl,time charge for In Independent real eslal. I... "porting 5eNice us.d by lender In connection with this loan, unless applicable taw pro~idu otherwise, Unless an agreem.ntls made or applicabl. law tlqui"s inter.stto be paid, lend" shall nOI b, required 10 pay Borrower any interest 01 earnings on Ih. Funds. Bortower and lender may agr.e in writing, howe~el, Ihat interesl shall be paid on Ihe Funds, lendel shail gi~elo Boffo......r. wilhoul charge. .In annual accounting ollhe Funds: showing credits and debits 10 the Funds and the putpose for which each debit to the Funds was m..de, The lunds a,e pledged IS additional security for IH sums secured by this Security InsltufTIenl. Illhe Funds h.ld by lender, ucnd Ihe amounts permi"lld to b, held by applicaclelaw, l.nder 'Shin Iccounlto Bolfower lor the excess Funds in accord.tnce with thll requlllmenlS 01 appticabl,'aw. If the amounl olth. Funds held cylInder at any time is not suHicienl 10 pay lh. ESCIOW lIems when due, l.nder may 'So notify eorrow.r in writing. and, in such cas. Borrower shall pay to lender Ih. amount nece~ry to make up the deficiency, Borrower shall make up Ih. deficiency in no more than twelve monthly payments, at lender's sole discrelion, Upon paymenl in full 01 all sums secuted by this SecU/ity Inslrument, lender shall ptOmptly refund to Borrower any Funds held by l.nder. Il und.r paragraph 21, lend" shall acquire or s.1l th. Property, l.nder, priot to th. acquisition or ~I, olthl property, shall apply any Funds held by lendot at th. time 01 acquisition or sale as a cltdll against Ihe sums secured by this Security Instrum.nt 3. Application of Payments. Unless applicable law pro~ides otherwise, all payments received by lender under paragraphs 1 and 2 shall be applied: lirSl, 10 any prepayment charges due undel Ih. Nole; second, 10 amounts payacl. under paragraph 2; thitd, to jntlllrest due; lourth,to principal due; and last, to 3ny late charges due under the NOle, 4. Charges; Liens. BoHower shall pay art taxes, assusments, charges, lines and imposilions attributable to the Ptopeny which may altain pliority o~er this Security Instrumenl, and l&as.hold paymenls or g.ound renlS, if any. Bottower shall p"y these obligations In the manner pro~ided in paragraph 2, or it not paid in that mannel, Borro.....e( shall pay th.m on lime directly to the person owed payment. 8oHowet shaH promptly furnish to lender all notices of amounlS to be paid under this paragraph, Il Borrower makes these payments directly, Borrowet shalt promplly lurnish 10 lender receipls evidencing Ih. payments, Bortower shalt p.omplly discha.ge any Hen which has p,iority o~er this Security Instrument unless 8ouowet: (a) aglees in writing 10 the payment 01 lhe obligation $ltcured by the lien In a manner acceptable to lender; (b) conlesls fo good laith Ihe Ii.n by, 01 delend, against enforcement 01 the lien in, legal ptoceedings .....hich in Ih. Lender's opinion operale to prevent the enfolcem.nl of the lien; or (e) secures Irom the hotdet of Ihe lien an agreemenl sa!islactoty 10 lender subotdinatinglhelten to this Security Instrument, II lender d.lermines Ihat any pat! 01 Ihe Ploperty is subject to a lien which may a"ain prio.ity over this Security Instrument, lender may give Borrower a notice id.ntifying the lien. Borrower shall satisfy the lien or takeonl or more of Ihe actions SIt forth above within 10 days of Ihe gl~ing 01 notice. 5" Hazard or Property Insurance. Bottower shall ke.p Ihe improvemenls now e.isling or h"ealler er.cted on Ihe P'openy Insured Igainst loss by lire, hazards included within the term "elllended covelage' and any other hazards, inctuding noods or ltooding, for which lender "qui,es insurance. This Insurance shall be maintained in Ihe amounts and lor Iho periods that Lender requires. The Insuranc.e earrier ploviding the insurance shall be chosen by Borrower subjecllo lender's approval which shall not be unl.asonably withhold. Il BallOW" faits 10 maintain coverag' describod above, lender may, at lender's option, oblain co~erage to ptoteC1lend.r's rightS in the Property In accordance with paragraph 7. All Insurance policies and renewals shall be acceplable to lender and shall include a Sl3ndard mOr1gage clause. lender shall ha~e the right to hold the pOlicies and renewals, II lender requires, Borrower shall promptly give to lender all "celpls 01 paid premiums and renewal notices, In the e~ent 01 loss, Borrower shall gl~e prompt notice 10 the insurance carrie. and lender, lender may make plool 01 loss if not made promptly by Bonower. Unle" Lender and Bolfower othe.wise agr.. in wriling, insurance p,oceeds shall be applied 10 restoration or repair 01 the Propeny damaged, if the ltstoralion or repair is .conomically leasible and lender's security Is not lessen.d, lithe lestorallon or repair is nol economically leasible 01 l.ndet's s,cu'lty would be lusened, the insurance proceeds shall be appli.d 10 the sum. secured by Ihls Security Instrument, whether or not then due, with any excess paid 10 Bouower, ~ Borrowet abandons the Ploperty, or does not answer within 30 days a notice ftom lendellhat Ihe insurance cat,ier has oHered 10 sellle a claim, Ihen lender may coltect the insurance proceeds lender may use the ptoe.eds 10 repair or restate the Ploperty or to pay sums stlcured by this Security Instrument, whelher or not then due. Th. ~ay p.riod wilt begin .....h.n the notic. is gi\'en. Unl.ss lendet and Borrower otherwise agtee in wriling, any applieallon 01 proceeds 10 principal shall not exlend or postpone the due dal. ollh~ monlly payments relerred 10 In paragraphs 1 and 2 or change the amount of the payments, H under paraglaph 21 the Ptoperty Is acquired by lender. Bolrower's right 10 any InsUlanc. policies and proceeds lesuJ11ng 110m damage 10 th. Property plior to the acquisition shall pass to lend.r 10 Ihe extent of Ihe sums secured by this Security Instrumont immedialely plior to the acquisition, FM8.PA)11 (';lfJ.) P~Qe 2 01 5 FOlm 3OJ~9 90 ..,' 1" , "0,,<1':>:1<, 'Ire 711 '-' 8. Occupancy, Preservallon, Maintenance and Protection of the PropcrtYi Borrower's LOin AppllcaUonj Leaseholds. BoffO......, Ih.lll OCCUPY. Illlblish, ..nd un th Proplny '" fJ(mQwer', princIpal If,ld,ne. withIn sllty dlV' atl" th. ."clllion Ollhl, SecurIty Instrum,nl and shall conl/nu.to occupy the Prop.ny II no,tow,", principl. 'uld.1'\ClI rOt II 1..., on. yla, "tI.,lh. d..I, 01 occupancy. unl... Lind., olh.rwlu 10'11' in wIlling, IlIhieh tonunl,hlU 1'101 b. unr.llonltll.,. withheld or unt... '.'Inu.ling cjlcuml!.ln~~ ..isl which .If. b.yond no"Ow.", conllOI. Borrowll ,,,.11 1'101 d.IIIOV. dlmag. 01 imp.il the Property, .1I0w lh. Prop.tr/lO d'lllIO'''I', 01 commit wlSlI on Ih. Property. Borrow.' shill bt in d.l.lull .1 any 'ort'IILl" .(tlon ot ptocudlng, ....".lh" ci~il Ot C(lminAI, is blgun lnal in Lend,,., good lailh judgemlnt could rnult In forflilurl Ollh, P'OPlrty ot olh,rwl$.e m"lfI~UY imp..ir th, liln clealed by Ih" SeCUtlty Instrument 01 llndl"l seCUllly Inteltll. OollDW" m..y CUlt such.. dllluJt and I"nltlll, U P'OVldld In p"..glaph 18, by causing lh, IChon Ot procuding 10 be dilmlssed wilh.. ruling Ihal, in llnd,'" good lallh dll"minlllon, pl8cludellorfellure ollhe 00110.....11'" ,nl""'l in 11'1" proper1y or Olh!!r m"Iltll41 imp4irmlnl or Ihelien CI,.tll.J by thi, &leullty lnllrumllnl oll.nth,,', IIICllllly ,n'l"ul, Dol/OWII 'hill! al,o b, in d.faultll Dorrowel, dUling Ihlloolln Ipplic.ahon plocln, 0."1 mlllllllly 1,1151 01 InAccuII.e InlormAlIon 01 stlllem"n" 10 lendlr (or 1111.d 10 plOVtd. l.nd" ....111'1 any mils"., Inlo/m.IIOn) In COnnlcbon ...."n ltll loan e"ldlnClId by 11'111 NOle, Incrudlng, but not hmlled 10, replt'llnlaltol1' conCOlnlOO Bol/o......,', Occupancy olthl Proplrty as .lit PlinClpal lesidence. It Ihi, Securily fn,lrument is On aleu.hold, OOrlo.....e' shall comply ....ilh the prOvisions olth, Ius" If Borrowe, aqui'e51ee tWeto m, Property, the leasehold and thl f"liUe sh<lll not merge unlen l,nd" <lgrus to the m.rglt inwrlllng. 7. Protection of Lender's Rights In the Property, If BoffO....1I 1IIIs 10 pertolm Ihe covenants and lo.e.mlnts conlamed in Ihls Sltu.it)' Instrument, or lhere 15 II hlQal proceeding lllllf may ';gnilic.Jntly .Ifteel Lendll"s .ighlS In lh. Prop.rty (Such IS a proceeding in bank,uPlcy, plobale, lot condemnation or folfeilute ot 10 enforca laws Ot IIgulalions), Ihen Lend.t may do and paylor whalever Is neclSS.Jty 10 plolect Ihe valu. 01 th. Property and lender's ,Ights in the Property,l.ndet's actions may Includ, paying any sums secured by <l lien which has pliorily over lhis Securily lnsllumllnt, apPuling In court, ply{ng tusonabl, InO,".~'le.,s .nd entering on the Property 10 mlllhe IIp.irs, Although lender may la~e action under this p.'eOt'j:lh 7, lender don not have 10 do so, Anyamounts disbutsed by lender under tnis paragraph 7 Shall become addilional debl of Bot/owet seculld by Ihis Secu,ity Insttum.nt. Unless Berro.....r and lender .Jor.. 10 olllet lerms 01 payment, these amounlS shall bear Inler,sl 'rom !he dall of disbursement al Ihe NUl_ rale and shall bl payable, wilh inlllleSl, upon notie. from lend" 10 Botlo...." requesting paym.nt. 8. Mortgage Insurance. If lender required mortgage Insurance as a condition 01 mahing the loan seculld. by this SecU/iry Instrument, Borrower shall pay tn. p/!!miums required 10 mainlain lhe insurance in effect. II, lor any reason, the mortgagl insulanc. coverage rllquired by ler,der lapses Ot ceases to b. in tHect, Bol/ower shall pay Ihe p/tmiums t.quired 10 oblain coverage substanlially equivalent 10 the mongag. insurance p/e~iously in effoct, al a cost substantially equivalent to 11'1. cost to Boffower 01 the mortgage insutance PII~iously in eHect, Irom an alternale mortg4ge insurer apploved by Lender. II substantially equival.nt mortg3ge insurance co~etage is not available, Bol/ower Shall pay 10 lendllr each monlh a sum equat 10 one \welfth ollhe yearly mortgage insurance premium being paid by SollOwet when the insUlance coverage lapsed or ceased to be in .Hect, lendet will accept, use and relain lhese paymenlS as a loss reserve in lieu 01 mortg3ge 1nsulance, loss 'ose,.... payments may no longet bellquired, atlhe option 01 lender, if mortgage insulanclI co~erage (In lho amounl and lor tho period that lender requiles) provided by an In:;urer approved by lendet again becomes available and is obtained. eorrower shall pay tho plomiums required to mainl<lin mortgage insurance in eHect, or to plovide a loss leseNe, unlilthe flquillmentlot mortgage insut:l:lClends in aceoldance with any ....rit'lln agreemllnt between BallowlIr and lender or applicable law, 9. Inspection. lender or its agent may make reasonable entties upon and inspections of tho Property. lendet Shall give Bortower notice at Ii'lli' lime 01 or priot 10 an inspection specifying reasonable cause fOlthe inspection. 10. Condemnation, The proceeds 01 any award or claim'or dam:lges, director cons!!quenlilll, 1nconnection with any condemnation or other laking 01 any pan olthe Ptoperty, or for conveyance in li!!u 01 condemnation, are he,eby assigned and shall be paid to lender. In the event of a 10lal taking ollhe Property, the proceeds shall be applied 10 Ii'lli' sums seeur!!d by Ihis Security Instrument, whelher or nOllhen due, with any e)CClSS paid to Bo/rower. In thl event 01 ill partial laking ollhe Ptoperty in which th.lair market v",luo 01 the Property immedi"'tllly before Ihelaking is equatto or greale, than lhe amount 01 the sums secured by Ihis Socurity Instrument immediately belore the taking, unless Borrower and lendBt olherwise agree in writing, 11'111' sums seculld by this Security Instrument shall be reduced by the amount 01 Ihe proceeds multiplied by the, lonowing Iractlon: tal the lolal amount 01 the sums secured immedi41tlly before the laking, dl"ided by (bl the lair malket value 01 lhe Ploperty immediately belole the laking, My b.Jlanco shall be paid to So/rower. In the e~enl 01 a partial taking olthe Property in which the lair malket value 01 the P,operty imm.dialely belollthe laking Is loss than lJ'le amount 01 the sums secured immedialllly belOlo lhe laking, unless BoIIOWBt and lender otherwise agr!!e in writing or unless applicable law olh!!rwise provides, the proceeds shall be applied 10 thll' sums secu.ed by this SecutHy Ins!tument whelher or nollho sums are then due. . II the Property is abandoned by eorrowlt, or iI, after notice by lend!!r to Borrower lhat Ihe condemnor offell 10 make an award Ot senle a claim lor dam3ges, Borto....er lails to respond to lender wilhin 30 days aNer lhe dat,: 11'10 nOlice is given, Lender Is authorized to collect and apply the pro~eds, at Hs option, either to resloration 0' rtlpair 01 the Property or to the sums secu.ed by this Security Inslrument, whethlt or not men due. Unless lender and Borrowet olherwise <l9r91 in wtiting, any applicalion 01 ploclIldsto principal shall nOl ..tan'd or poslpone the due dale oltha monthly paymenls 1I1erred 10 in parag.aphs 1 and 2 or ehangelhe amounl of such paymenls, 11. Borrower Not Releasedj Forbearance By Lender Not a Waiver. Extension 01 the lime lor payment or modificallon 01 amortlzalion 01 the sums secured by Ihis Security Inslrument granlad by lender to any successor in lnlerest 01 Bellowo' shall not opellte to (elease theliabiJity ollhe original Bollower or Bollo'wer's successurs In interest. lendet shall not bl required to commence proceedings against any succes$O( in inlerest Ot teluse 10 hlflnd time for payment or olherwlse mOdify amortization ollhe sums seculed by this Secu/ily Insltum!!nt by reason 01 any demand mad!! by Ihe oliginal Bor/owlIr or Borrower's SUCCOSSOIS in inllll!!s!. My fOlbealance by lendllr In elclcising any lighl O( I!!medy shall not be a waive, of or prllcludethe 'lerelse olany right Ot remedy, 12. Successors and Assigns Bound; ,Joint and Several Liability; Co.signcrs. The co~enanls and aglee. menlS 01 !his Secu/ity Instrumenl shan bind and benelit the successors and assigns 01 lendet and Bot/ower, subjecl,lo the pro. visions 01 paragraph 17. aoffo.....er's co"!!nanl~ and agreements shall be joinl and se~e'aL My Boflower who co.signs this Security Inslrumllnt bul does not e:lCl!cuto Ihe Note: (a) is co.signing this Secu/ity Inslrumenl only 10 mortgage, granl and convey that So/fower's inlelest in the Property under the lelms 01 Ihis Securiry InSlrum!!nt: (bJ is not personally obligated to pay Ihe tums se- cu/ed by this Seculity Instrument; and tel ag/1l1S Ihallendllr and any olher Bel/ower may agree 10 ulend, mOdify,lorbear or make any accommodations with tegard 10 Ihe terms Ollhis SeeufllY InSlrumenl O( Ihe Nole wilhoullhat Bo/rowe,'s consenl, FMII.PAJI21',?4j P3QeJar5 Form ;\039 g/oo ~)\" !ooi P3S ?!.~~ 712 13. Loan Charges. If thl lo..n Ileu.ld by Ihil !ACllflly tnlUumlnl il IUbllct 10.. I.w which "" m....mum lo.n chalg", and Ihat 1.1.... il fin,U.,. Inll,p"'ld LO Ihll Ihl Inlll'" 01 olhll loan Chllgl' colllclld ot to bl colllctld in connlcllon wilh Ihl 10"" ..e.ld till p"mIM.d hmlll. lhln: (I,.n.,. luChloan (h...gl sh.all b. reduc.d by lhl amounl n.c....ry to ..due. \tI. en.tg. lolhl p.,mill.d Um,l; Ind (b) any turn. all.ad.,. coll.ct.d Itom BoHOWII which lIe.lId.d pllmill.d limit. will bl ..lund.d 10 Oorrow.r, Lendll may choOtllO mall,thil ..Iund by ;ldUCU'lg th. p,incipII ow.d unde' the Nailor by making.. dirlct paym.nt 10 00"0'011'" II.. ..Iund ..due.. plinclpal, Ute "ductlon W,n be t..at.d IS a pI"i" p"plym.nl wilhout anv pltp.Iym.nt chalO' und., th. Noll. 14. NotlcO!, My nolic.lO 00110'01111 plovid.d 10' In this SeCU'lty InsUum.nl ,hili bl glv.n byd.liv.flnO liar by milling il byfi"l cia.. mall unl... applicable lallt ..qui... uII of ,nOlhll m.lhod, Tht nOlic. ,hall be dlrect.d to Ih. Prop.rty ,&dd".. 01 any olhtr add'... Borro...." dllignal" by nolicllo L.ndll, My notic. 10 L.ndt' .hall b. given by lir.1 clu' mall to L.ndlr', addlt" I'.a'ed hat,m or any Olhet .Jddlou Londor dostgnalu by notic", If) 00110'0111'. My noUc. p,ovldtd lor In thit Security Instlumlnl ,hall b. delm.d 10 hlv' been gl~.n 10 OollOW.t 01 l..ndll wh.n giv.n a' plovid.d in this palagrlph, 15. Governing Law; Soverablllty. Tht' S.cu'ily Inltlument shall be govern.d by ledel.lla.... and Ih. lallt 01 the ju';" diction In which Ih. PloP11Ti It loc..at.d, In th. .venllhal Iny provilion or clau" 01 thil Seculily Inltlum.nl or Ih. Nole conllictl with applicabl. I.w, .uch conlliC1 shall nol ~H.C1 olher plovlllons 01 thi' $eCUlity lnsltument 0' Ih. Nol. which can be gl....n ,lfect ....itlloutth. conllicting provi,ion. To thi. end th. p/ovisons ollhis Sotcurily Inlllum.nl ~nd Iht Not. ar. declared to bl 'IIvllablt. 16. Borrower's Copy. Be,rOwII .hall bl giv.n on. conformed copy olth. NOli .Jnd of this Security Inlttumlln!. 17. Transfer of the Property or a Beneficial Interest In Borrower. I! all or any part olth. Proplltyor any intelllt in II Is ~'d or fransflltffd (or if a oen,Udal Irtle/est il't Sorrowa, I. sold Of "~nJ/.lt.d and Bollowlf I, not a nalutal pII~n) withoul Ltnd.r's p,ior wrin.n consent. Lendll" may, 011 ils oplion, require immlldial. paymllnl in lull 01 .III suml secured by thi, Secu/ity In.ltument. Howover,lhis option shall not b. IIlllllrCI'ed by Lender if e.orcis. i, prohibited by feuerallaw as 01 the date olthil Seculity Instrument. I! Lender uelci.llI Ihis oplion, Lende, ,hall give Bonower notic. 01 accllleralion, The nolice shall p/ovide it period of nOI lost lhan 30 days 110m Ihe dal. th. nOlic. is delivelad 0/ mailed wllhin which eoffower musl pay all sums ,,,cut.d by thi, Secutity In.lrument. I! BoffOwl/ lails to pay Ihue 'ums prio' to Ihe elpi/alien 01 Ihis pl/iod, l.endllr may invoke any r.medies pl/min.d by this $ecu'ity InsUumenl without lurther notico or demand on Borrowor. . 18. Borrower's Right to Reinstate. II Borlowe' meelS certain condillons, eollowe' shall have the ,ight 10 have enlolce. mInt 01 this Seculity Inslrument discontinued 011 any time prio, to th. .artier 01: (a) 5 days (or such other period .JI applic.abl. la",N may specify for lIinslalemenll beloll sal. of the P'Opllrty pursuanl to any power 01 sale conlained in thhl Security Ins!tumllnt; ot (b) .nlfV 01 a Judgment enforcing Ihis Security Instrum.nt, Thos' conditions ar. thai Boffowllf: (al pays Lender all 'ums which thlln would be due under thil SeCUllty Instrument and th. Nol. as il no accllleration occurred; (bl cures any delault of any other co....nants or agfllemenlS; (cl pays all ..pensos incu"ed In enforcing thi, Securily Insllument, Including, bul not limited 10, teasonabl. anorn..,.,' lees: .Jnd (d) l.Jkes suCh action n Londllt may reasonably require to .JSSUlII thai th. lien of this Secu/ity Insttumllnt, Lendllr's rights in th. Property and Ballowe,'s obligation to pay Ihe sums secured by thi, Security Instrument shall continue unchanged, Upon leinstalemenl by Ballower, this Security lnslfument and Ihe obligations slCulld hereby shall remain fullyeHective as if no acc.lllration had occuued. However, thi, right to lIinslal. shall not apply in the c.ase of acceleration under paragraph 17, H~. Sale of Nole; Change of Loan Servicer. Tho Not. or a partial interest in the Nolll (logether with this Security lnsttumenl) may be said OM or mote times without prior notic.IO Borrowet. A sale maY/lsult in a chang. in th. entity (Known 45th. 'Loan Servicet')lhal collects monlhly payments f1u. unde, tho Nole and this SecurilY Instrument The.e also may b. one 0' mOil changes 01 the Loan Servicor unrel.Jted 10 a ~Ie of the Note. II there is a change of Ihe Loan SeNicor, Bo'tower will be given wtitten notice ollh. change In accordance with paragraph 14 above and applicabla law, The notice will slate tho name and addross ollhe new Loan SeNicet and lhe address to which paymenls should be made, The nolice will also contain any olher information roquired by applic.ablelaw, 20. Hazardous Substances. Borrower shall not causo 0' permit the presenco, use, disposal, Slorage, or reluse 01 any Hazardous Substances on or in the Property. Borrower shall nol do, nor allow anyone else to do, anything affecting tho Property lhat Is in violation 01 any Environmental Law. The ptecoding two sentences shall nOI apply 10 the ptesence, use. or storago on the Property of small quantities 01 Hazardous SubslanCls that alii generally ,ecognized to b. appropriate to normal residential uses and 10 mainl'. nance ollhe PropelTi, Borrowor shall plomptly give Lender wlinen notice of any investigalion, claim, demand, lawsuil or olher aclion by any govornmental or r.gulalory agency or priv.Jte party involving lhlt Prop.rty and any Hazardous Substanc. or Envlronmenlat l.1w of which Boflower has actual knowledge, II Borrower learns, or is notifilld by any governmontal or regulalory authority, Ihal any removal or other ..mediation 01 any Hazardou' Substance allecting lhe Prop'rty is neCls~ry, Bortower shall promptly lakll all necossary tem.dial actions In llC'Cordance wilh Envlrom.ntall..1w, ~ usod in Ihis paragraph 20, 'Hazardous Substances' all those defined as 10Kic or hazafdous sub::anc.s bV Environmental W1w and the following sllbstanclls: gasoline, klfoson., other Ilammable or 10Kic pelloleum products, to.lc pesllcidlS and herbicid.s, volatile solvllnlS, mateliai containing asbestos Ot formaldehyde, and ladioactive ma:erials. As uSlld In this paragraph 20, .en...lronmp.nlal Law' means lodetal laws and laws 01 th. jurisdiction where the PropelTi Is 10c.ated that telatll to hoallh, safely or .nvilonmenlal prollClion. NON-UNIFORM COVENANTS Borrower and Lender further covonanl and agree .slol1ows: 21. Acceleration; RemedJes. Lender shall give noUce to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) Ihe default; (b) Ihe action required 10 cure the defaull; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in accelerallon of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property, Lender shall further Inform BOllower of the right to reinstate aMer acceleration and the right to assert in the foreclosure proceeding the non~exlstence of a default or any other defense ot Borrower to acceleration and foreclosure. If the default is not cured as specilied, Lender at its option may require immediate payment In lull o' all sums secured by this Security Instrument. without further .demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in 1hls paragraph 21, Including, but notllmlted to, attorney's fees and cost. 01 tille evidence to the exlent permined by applicable law. 22. Release, Upon paymenl 01 all sums secured by Ihis Stlcwity Inslrumenl, thi~ Security Insllument and the esl31e conveyed sh.lI torminals and become void, ANet such OCCUlIlJnCl, Londet shall dischalg. and $alisly Ihis Stlcu.ity Inslrum.nt .-. 1')3~ tOO,~ ,," v ~!C~ 713 Form 303g 9/90 '"'~~\-. FMII.PAJ1J (9r:;4) P3\1t!40'S W1thO"~ chl/gllO G;Juo',ur. Qouow.t shll' PlY Iny "co,dalion CClttt, 23. Waiver.. Douow", 10 the ,."nt JMlml"td by.ppllcabl, IIW, .11'1" .nd ..Iusn tnye"ot Ot d.lac:tl In proce.ding. 10 .nfol~ UlII s.cu/lty Intllumtnt, and hellby ""Iiv" tht b.ntflt of lilY p...."I"" luluIII.w' plovldlng 10f tlay 01 ..tcutlon, ,,'lnUon of 11m., "Impuon "0m an.cnm.nl, levy and NI" Ind nomttlud .umptlon. 24. Reinstatement Period. DOllo""t", tlmt 10 Itlntlllt prCNldtd In p"IO"pn tIS thlll ullnd 10 onl hou' pIlot to thl c:ammlnclmlnt 01 bidding II I ~lllft'l tall at oUl., ....1. pu,.ulnl 10 thit Secu'lty tnttturn.nl. 25. purchllo Monoy Mortgage. "Iny of thl d.blllc:u/.d by thit StC:Ullty IntllUrnlnt Itltnl 10 Bono.....1I 10 loqulll tall. 10 th. Prop.rty, Ullt $fc:unty Intllurntnt shill be. purena.. monty mof10aOt. 26. Intorest Rate AMor Judgment. 00110.....11 Igltlllhal the Inl,,"1 flit plvabll ."" .judgm.nll. .ntllld on thl Nott. 01 In an adion 01 mof1g.g"0ItdOtulI thlll b. thtlllt paVlbl. Irom limttO limt undtt Ih. NOli, 27. RIder. to this Security Instrument. II on. 01 mall rldt/J III ...culld by OC)fIO'o'l1l .nd I.c:o,d.d logtlhtt with thlJ $eeulity Inllfumlnl. th. CCI'I.nantl and Iglltm.nll 01 Iteh lueh rldlr thlll b.lncorpofltld inlo .nd shall amlnd and luppl.m.nt the covlnants and .gll.mants at thi. s.cu,ity 1n,llumlnl" illhl lidt/!,'."I I pitt ollhl, Seeulity In,l/urn.nl. {Ch.ck applicablt bO'{III! 0 hlju'tJibll Rail Rid.. 0 Condominium Rid.r 0 10.4 Family Ridlr 0 Graduated Paymanl Ridtf 0 P1annld Unit OIvlfClpmlnf Rid" 0 BI.....llkly Payment Rid.. 0 Balloon Rider 0 RaUl Improvlmlnt Rid" 0 Second Homl Rider 0 Oth.r(s)l,pec:ity) BY SIGNING BELOW, BoIIO""'" accepll and agltn 10 Ih. telml Ind covonlnll conlainld in Ihit Seculity lnlllumlnl and In anv lid..(s) I..c:uled bV BoHowar and ,aco,ded .....ith it. _._~ L-_ - - (Seel) .f.!oflo...e, (;\l.., WILI?~ G. F~E'fjO~/ Ile<, fi..... y-w.~~ MARY LD FREUNOEL IS..l) .s01r0we!' (SuI) .BOIIO"'" (Seal) .sOflower .1 (' ;' -~. Ii . "toM (5p.1~' Below ThlJ Unt For Atkllo.....ed9.m~nIJ STATE OF PENNSYLVANIA COUNlY OF ,6"mk.i,J4.".~L } } 55: } On Ihls, the 30th davot September. 1994 , belollme, Ihe underslgnod offic.r, p"$Onally appeared WILLIAM G. FREUNOEL and MARY LOU FREUNOEL known 10 mt (or satisfactorily p,oyenllO blthe plfson(s) whose name(s) are Inltrument and acknowledged that they elllcuted the same for thl purpose hllein conlained., subscribed to the within IN THE'MTNESS VlHEREOF.1 hlreunto sel my hand and official seal. My commission IIplres: Nciari.1IScJI ~K.8i'lhct.~lotr.ryPubl'.c CiU'l'PHillf.!cto.Cunlb:lll.:>.ndCou.-:ty MyC..onllrn~.,rmP."t:llas/lug.25.1997 M..">ft1)jr.PcnnsyN,"U"'.aft.:;wo?~~;I'J':::;JnC'3 .Jl4fbJ"'~. If. Jd.k<....- Tille 01 Offi:er ~i~t~ih ::. \"",,"_"':'~I~ILo;fi.7G:.~'::~(::.:..::.. :'~~I~~~:~~:~;;~<,:~:'~ ,: ,;-'-:f .~~~ '.~.':.. ~....':.4.....,.,. FMB.PAJt419f)41 ., PaO,SoI5 FOlm 3039 ~ ~I Lcr..:}.': ' p,nn(1~;\; rlrr "';'1-" ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. si no comprende el contenido de esta notificacion obtenga una traduccion irnrnediatamente llamanda est a agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Date: June 17, 1998 RE: Account No. 50163754 Premises: 7-C Troy Circle, Enola, PA 17025 TO: William G. Freundel 7-C Tory Circle Enola, PA 17025 170 Frank1intown Road Apt. G Dillsburg, PA 17019 Mary L. Freundel a/k/a Mary Lou Frendel 7-C Tory Circle Enola, PA 17025 170 Franklintown Road Apt. G Dillsburg, PA 17019 FROM: Federman and Phelan, attorney for Main Line Federal Savings Bank You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary EXHIBIT IIB" 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 requirements 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 for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next (30) days. If you attend a face-to-face 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 this meeting. As representative of the mortgage holder, our name and address is: FEDERMAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZA, PHILADELPHIA, PA 19102; Telephone Number: (215) 563-7000. The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $9,527.48. That sum includes the following: Total of monthly payments from 12/1/97 to 611198 including all accrued late charges, if any: $9,.503.48 Property inspections and NSF check charges, if any: 0.00 other charges accrued, if any: 24.00 LESS: Suspense (unapplied funds): TOTAL AMOUNT OF DELINQUENCY: -0.00 $9,527.48 Your mortgage is also in default for the fOllowing reasons: N/A If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage EXHIBIT liB" Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to- face meeting. II is ,.tlr<mely importanl/lral you JU, your applica/ioll promp/(I'. l[yoll do ltol do so, or if}'ou do ltol follow /Ir, otlrer lim, periods s'lfonlr in tlris I'I/<!r, Joreclosur< may proc,d againsl your 110m' imm,dialely. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342- 2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, FEDERMAN AND PHELAN Byr~~ ~ Frank Federman FFlmtm cc: Main Line Bank Attn: Michelle McNichols Loan No.: 50163754 Sent by Regular Mail, Certificate of Mailing (PS Form 3877) EXHIBIT 11811 . J,lb(;3 t!..- .." ~' :' '" . ..,,:. ..... '" Ct..,. '" _ ", .,..' . '.. ',,"11,,1[,; 0, ":Or... , U/'L"~ ~'''''L1Z ... " tl.L\.','Ll CO""T)' VII - PJ '9'1 ocr: ~ Flf/ 10 19 R(TUR~ TO: FIRST NATIONAL MORTGAGE CORPORATION "lWe"..l"Co....t at'''SII'"'',Mlr,..", '1010 AnN: 0..".1.10"_ '1111' Call. I: 121-'12 103500899 lo.-,N 1.0...: CSp.I" Abo..., Thls Un. Fo. R.co,,,...,,, 0.1" PURCHASE MONEY MORTGAGE THIS MORTGAGE ("Seculity Instrument', Is given on September Th' mort.,." I, WILLIAM G. FREUNDEL end MARY LOU FREUNDEL 30th 1994 (husbend end wile) rBorrow."'. This Security Inslrument Is given 10 which Is organilod ~nd existing und,r the laws of and whose addlllssls 6704 Curtis Court Glen Burnle, Marylend 21060 rlend,,'), eoHower owes lender the prIncipal sum 01 One Hundred Twenty Two Thousand Five Hundred Fifty and n Carr.,. (U.S. S 122,550.00 ). This deblls IIvidenced by BoHOWI", nol. daled the urn. dat, " Ihl, Security Inslrumenl rNol"), whJch provides lor monlhly paym.nts, with the full debt, II not paid .arlier, dUll and paYlbl1 on October 1s1 2024 ,This Security Inslrument secures to Lende!: (a)lhe repayment 01 the debt evid.nced by Ihe Note, with interest, and aU lenewals, elClensJons and mOdification. 01 the NOle; (hI the payment 01 all other SlJml, wilh Interest, advanced under paragraph 7 to protect the security 01 this Security Inslrument; and (e) th. perfotmam:. 01 Borrower's covenanl' and egreemenls under this Security Insttument end the NOle. For Ihis purpose, Borrow.t don hereby mOl1gege, grant and convey 10 Lender Ihe fOllowing described Property located in CUMBERLAND County, Pennsytv.nl.: FIRST NATIONAL MORTGAGE CORPORATION THE STATE OF MARYLAND FOA DE!;CRIPTION SEE SCHEOULE "A" ATTACHEO HERETO AND MADE A PART HEREOF which has the address 01 7-C TORY CIRCLE (Slrccl] ENOLA (C~YI Pennsylvania 17025 fProporty Address'); (ZlOCOClcl TOGETHER 'MTH all Ihe Improvements now or hereatter erecled on Ihe property, and aU easaments, appul1enance., and filClure. now or hereattat a pat1 of the property, All replacemenls and addllions shall also be coveted by Ihis Security Inslrument. All of the foregoing Is referred to in Ihis Security Instrumenlas Ihe 'Proporty," BORROWER COVENANTS Ihal Borrower is 'awfully seised ollhe estate hereby conveyed and has the tight to mot1gagll, grant and convey the Property and Ihat the Property i. unencumbered, elCcopl for encumbrance. of flcord, Borrower warranls end will defend warrants and will defend generally the lillelo the Property against all claims and demands, .subject 10 any encumbrances 01 record. THIS SECURITY INSTRUMENT combines uniform covenanls lot natione/ use and non,unilolm caven'ant. wilh limited varletJons by Jurisdiction 10 constitute a uniform security instrument eovering real Property. PENNSYLVANIA.Single Family.FNMAfFHLMC UNIFORM INSTRUMENT FMB.PAJl (91'3-4) "> Pagt1o'S Form 3039 9/90 ~) lifi() .- t?~' -:10 eOOK ,..J;) flt[ . UNlrORM COVENANTS. BOIro..",., and llnd" toY.nant and 101M II I~low': 1. Payment o' Principal and Inloroal: Prepayment .nd lal. Chargos. Oo"OWlr shill promptly pay whan du'lhl principal of Ind Inlerl,1 on the dlbllvld.nc.d by Ihl Noll and any prlplymlnland lal. ChatO" dUI und.r Ihl Nol.. 2. Fundi for Taxes and Insurance. Sub"C1 10 applicabll law 0' 10 a ...,"t1.n wliv" by Lind", Bo"ow" shall pay 10 Llndlr on Ih. day monlllly p.ymlnts '"~ dUI und" lh. Nol., until Ihl Noll II paid in lull, I lum ('Funds") 10': (.) V-"Iy I...... and ISsnsm.nls which may attain pliority over Ihll SeCUrity Inslrumenl II I IlIn on Ihl Proplrty; lbl yeArly I.."hold paymlnl. or ground 'ani, on Ihe Property, il .ny; (cl y.arty hlu/d 01 Proplrty Insurlnc. pllmiums; (d) yu/ly Ilood Insurance p"mlums, il Iny; lei y..rly mong.g. InsurlnCI prlmiums, il Iny; and (II any sums plyabll by Bo"ow" 10 Llndlr, In acco,danc. wilh Ihl provisions of patlOllph e,ln lieu ollhe payment 01 mOrlO.g,lnsurlnc. pflmium'. Thnl ile".s are call.d 'Escrow Itlms.. llndlr mlY, al any tlml, collect and hold Fundi In In amount nol 10 l.cI.d Ihl ml.imum amount I llnd" lor. f.darally tal"ld mortoaOI loan may "quill lor Boflowe", ucro,", Iccount under Ihl Ildllal nul [sl"le Senl.menl Procedur.. Ac:1 01 101<1 as .amend,,, "om lime 10 timl, 12 U.$.C.' 2601 II seq. rAESp....), unt.., another la", Ihat apptoe, 10 Ihe lunds UIS . luut amount. H so,lender mly, II any liml, colleCland hold Funds In an Imount not 10 I.cnd Ihl Iluer amount. lendor may IIlima'. Ihe amounl 01 Funds due on the basi, 01 current dala and rellon"bll "timalll 01 e.pendllures 01 lulure "CIOW lIem, or olhlrwlae otherwise In accordance wilh applicable law, Thl Funds shall be held in an instilulion whose d'pOSil' are insured by allderal"OlncV, inslrumentality, or entily [Including llnd.r, II lender I, SUCh an Instilutlonl or In any Federal Homlloan Bank. llnder shallapplV Ihl FundS 10 pay thl lsaow 111m" llnder may not chargl Borrower for holding and applving Ihe Funds, Innullly In"')'ling thl escrow account, or verilylng Ihl EsclOw IIlms, unless llnder pays Borrowe, inll/est on the Funds Ind applicable law permils lendsr 10 make such. chargl, HowevII. llnder mav require 8offowe, 10 pay a onl.time charge 10' an Independenl rill "ta'l I... "poning se~ice u,ed by lender In connlction wilh this loan, unless applicable l.aw provides otherwise. Unl..s an agrllmlnl is made ollpplicable law require, inll/tsllo bl paid, lendll shall nOI be requilld 10 pay Borrower any inlertslOr earning' on Ihe Funds. Bot/OWII and lender may ag,ee In writlng, howlvl'. Ihal Inlellsl shall be paid on Ihe Funds. lender shall give 10 BorrOWeI, wilhout charge, an annual Accounling olthe Fund': showing credils and debils to the Funds and Ihe pUlpOse lor which uch debit 10 Ihe runds Will made. The lund, all pledged IS additional secutity 101 all sums secured by this Security InSlrument, tllh. Funds held by lender. e.ceed the amounts permitted to be held by applicat;11 law, lender .hall accounllo Borrower lor thl exc,,"s Funds In accordance with the ,equirements olapplic.1ble law, H thl amount of Ihe Funds held by lender at any tim.ls nol suHicient to pay the Esctow Items when due, lender may so notify Bortower In wriling, .and, in such case Borrower shall pay 10 lender Ih, amount necessary to make up the deliciency. Borrower shall make up Ihe deficiency in no more Ihan """elve monlhlv payments, at lender', sole discrelion. Upon payment in lull 01 all sums secuted by this Security Instrument, lender shall promptly relund 10 Bo"ower any Funds held by lend", If under paragraph 2t, lender shall acqul11 0' sell Ihe Proplny, Lender, plior to Ih. acquisition or sala 01 the property, shall apply any Funds held by Lendor at the liml 01 acquisllion ot sale IS a credil against Ihe sum' secured by this Security Instrument 3. Application of Payments. Unless applicable law provides olherwise, all payments received by lender under pntagtaphs 1 and 2 shaJJ be applied: lirst, 10 any prepayment charges due undet thl Nole; second, 10 amounls payable under paragraph 2; third, 10 inlorest due; fourth, to principal due; and laSI, to any late chal~es duo under the Note. 4. Charges; Liens. Borrower shall pay all laxes, assessmenlt, chalges, linn and impositions anribulable to the Property which may aftain priority over this Security Instrumenl, and leasehold payments or ground rents, il any, Boffow8r shall pay these obligations In the mannor provided in paragraph 2,or ilnotpaid In that manner, Borrower shaJl pay them on time directlv to the person owed payment. Borrower shall promplly lurnish to Lender all notices 01 amounls to be paid under this paragtaph, II Borrower makes Ihose payments directly, Borrower shall prompllv furnish to Lender receipts evidencing Ihe payments. Borrower shall promplly discharge any lien which has priority over !his Security Instrument unless Borrower: fa) agre"s in writing to the payment of the obligstion secured by the lien in a manne' acceplable 10 lender; (b) conlests in good laith the lien by, or defends against enlorcement ollhe lien in, logal proceedings which in Ihe Linder's opinion operale to prevent the enforcement 01 the lien; or (c) secures Irom the holder 01 the lien an agreement satislac10ry 10 lender subotdinaling Ihe Ii"" 10 thi, Security Instrument If lender detormine5 that any part of the Property is subject to a lien which may attain priority over this Security Instrumenl, Lender may give Borrower a notice idenlifying Ihe lien. Borrower shall satisfy the lien or lake one or moro of Ihe aClions setlonh above within 10 days olthe gIving of nOlice, 5. Hazard or Property Insurance. Borrower shall keep tho imptovlments now e.isting or hereafter erected on the Property insuted againsl loss by fire, hazards included within Ihe telm "e.lended coverage- tlnd any other hazards, Including floods or flOOding, lor which lender tequires Insurance, This insurance shall be mainlained in the amounls and lor Ihe periods that Lender requires. The InsIJranca carrier providing the insurance shall be chosen by Borrower subject 10 lender's approval which shall not be unreuonably withhold, II Borrower lails 10 maintain coverage doscribed above, lender may, at lender's option, obtain coverage 10 protect lende.r's righls In Ihe Property in aceOldance with paragraph 1, All Insurance policies and renewals shall be acceptable 10 Lender and shall include a slandard mortgage clause, Lender shall have the righl 10 hold the policies and ",newals, II lender requires, Borrower shall promptly give 10 lender all receipls 01 paid premiums and renewal nOlices, In Ihe evenl 01 loss, Borrowet shall give prompt nOlice to the insurance carrier and lender. Lender may make prool 01 loss jj not made prompUy by Bolfower. Unless Lender and Bo"owl( olherwise agree in wriling, insurance proceeds shall be applied 10 restoralion or repair 01 the Property damaged, illhe resloralion or repair is economically feasible and lender's security is nOI lessened. If Ihe restoration or repair is 1'101 economicallv leasible or Lendor's security would be Ilssened, the inluranCll proceeds sholl be appUed to the sum. secured by Ihis Seculity Instrumenl, whether 0' notlhen due, wUh any e.cess paid to Bellower, H Borrower abandon. tho Property, or does nol answer within 30 days a nOlice Irom lender thallhe insuranca carri~r has oHered to seUle a claim,lhen Lender may ctIl1l1ct Ihe insurance proceed' lender may use Ihe proceeds 10 repair or reslorelhl Property or to pay slims secured by this Security Insfrument, whelher or not Ihen due. The JO.day period will bogin when the notice Is givln. Unless Lendet and Borrower olherwise agree in wriling, Iny applicalion 01 proceedS to principal shall 1'101 e..tend or poslpone the due date olthe monUy paymenls relerred 10 In paragraphs 1 and 2 or change the amounl ollhe paymenls, n under paragraph 211he Property is acquired by lender, Borrower', righl to any Insutance policies and proceeds resulting Irom damage 10 Ihe Property prlot 10 Ihl acquisilion shall pus 10 lender 10 Ihe extent 01 Ihe sums Slcured by this Security Instrumenl immediately prior 10 the acquisition, FMB.PA311 19f,l4) P~~I 2 01 5 Form 303~' 90 " 1" r',;nd?:1~ ',.re -::11 "", ~~;~., ".t;\.';,", ~~..,. ,'. ,.... ~ ) ,: ,":'... '.' . ~^' ~' ': : \. :, :"/~'\ : .:: ,"~L '. V ,'t' '.\~' '~', I '. ':' .;, ',:. j. . ' :: / :I~\.' '.' , ',1,' .''.~':.' '1!.','~'::. _:'.', ~,' '", .:; '. . -::! l,': ',':., :':' ,'/ ' 8. Occupancy, Proservatlon~ Maintenance and Protection of Ihe ProportYi BOfTower'1 Loan Application; Leaseholds. Boffa......r 'hili oocupy, '1llblllh, Ind u.tlhe Proptrty It 00/10.....".. principII "lldtnet wilhln sllty dlY' IfI.r tht ...eullon 01 Ihl, SecUliry InSUum.nllnd 'hln tanllnu.lO occupy Ih. Prop.rty a, Dofrow,,', p"nelpl. r"ld.noe fot at 1...lon. Y'" ,'It,lht dllt of oceuplncy, unIt.. Ltndt' olh.rwi.t IgfttS In wIlling, .....hlch conllnt .han nol b. un'lI.onlbl)' wilhh.ld or unl... ..I.nualing ci,cum.llnul ui.1 which ar. b.yond DoHow,,'. conllOI. 00110....." .hall nal d..ltoy, damage or Impal' lh. PIOP'tty, aUow Ih. Proplortv 10 dlllllOlll., Ot commil will. on 11'1. PrOplrty. Do,ro......' "lall bl in dllauU Jl Iny lort.ilu't .ct,on 0' ploc"dlng, .....helher cl~il or Climinal, IS b.gun 11'111 in l.nder', good Ilith Judg.menl could ftSullln forf'llure ollh. Prop.rty or oth.rwi.. mlll/ially impair Ihe lien CI"l.d by lhi, SeCUllty In'l/umenl or L.nd.,', IIcu/ity Inl.,..I. DoHaw" may tUft 'uch. d.laull .nd feinnll., as p'o~ided In p"ag"ph la, by clu,'ng Ihe achon 0' prOCt'ding 10 bt di,miSS.d wllh I luling lhll, In L'nd,,'. good IIlIth dll"mlnallon, precludn lOllellu,. ollhe OOllo.....el" inle,nlin Iht property 01 Olhel male,111 Impli,menl 01 Ih.'i.n c"alld bv 1111. 5-cullty In"","u.nl 0' Lend"r's SClCU',IV inl""1. Oouuw", ,h.1l .1'0 b. In dl'"Utll' Dol/Ollle/, du'ing Iht 101" appllcllion plceln. give m.'''llllly 1.11~1I 01 InflcculIle InlO/mallon 01 "Al"m8ntl 10 bnd" (ollfl.led 10 proYldl Lendll wllh any mllellallnlo,maUonl III connechon ......,h Ihe loan IvluenCCld by Ihe Note, Includmg. but nol "'lIIted 10, "p'''enl.1hons concerning 00.,0......,.. Occuplncy ollh. Plop.rty..a plincipal ,..id,nc.. It Ihl' Seculily In"rumenl i, on II.asthOld, OOllowe, .haJJ comply .....ilh lht provi.ions ollh. I..... " B<3"olller aquil"'I.. IWtlo Ih. Propllrty, Ih.l.asehold Ind th"ee lill. .hlll nOI merg" unlesl L.nd., .Igr..,to Ih. mllg., in wilting. 7. Protection or Lender's Rights In the Property. "Bo"OWII fails 10 per10lrn Ihe tavenant. and 'g'"mtnt, tonlain.d in Ihis Securily Instrument. or there is .. legal proceeding thai m.y significantly aHecl L.ndel's ,ighls In Ihl PloPt,,>, 'such.,.. ploceedingln bBnkruplcy, prODafe. (or condemnalion or lort.aulI 0' 10 en'Of" laws or regulll/ons). Ihen Lend., mly do and ply lor wh.aleYIl( I, nec"",fY to p,ol'el 11'1. ~alu. 01 tht PIOP'rty Ind Lender', Ilghl' in the Ploperty. Lender'. action, mlY lnclud. paying any 'urns IIcu'ed by I IItn which hu priority oVlr Ihls Seculity Inllrument, tpp..,ing /", caurl, paying "alenabll aIlOrntlr.J'lell and entlring on the Proporty to make tepl.,.. Ajlhough Linde' may tlkt aclion und,' lhis palag'.ph 7. Lender dOts nol have to do so. . MyamOunts disbulsed by Londor under Ihi. paragraph 7 shall become add,Uon.a1 debt 01 Borrower secured by thl, Security Insllum.nl. Un!us Bollowll and Llndtr Ig'" 10 Olhff Iffms of paym.nl, Ii'll" amounls Shall bu, JnlorlSt Irom the date of dlsbursem.ntalthe Nole tll. and shlJJ b. plyabll, wilh Inl""I. upon noUce Irom L.nd., 10 Borrower requesting p.ayment. 8. Mortgage Insurance. It Lender lequired mOrlgage In.utlnce U . condilion of making thl loan secufIld by Ihis Secu,ity Inslrumenl, Bo"owe' shalf pay the premiums required 10 mainlain Ihe Insurance in eHecl. H. lor any le.son, the mOrlgagt insUlance coverage required by Lender l.psllS or ceases 10 be in eHeCI, Bollo.....e' shall pay the premiums requited 10 oblain cover.ge subst3nlially equivalent 10 the mOrlgage insu,ance previously In elleel, al a cost subllanti.aUy equivalent 10 Ihe cosl to Bollo.....er 01 the mof1gage insurance p'e~iously In etlecI, Irom 3n altemale mof1gage insurer approved by lender_ If substanlilUy equivalent mOrlgage in'ulance cov,,'age i, nol available. Boffower shall pay to Lender each month. sum equal 10 one twelfth olthe yea,'y mOrlgage insu'ance premium being paid by Borlower when Ihe insurance coverag,'apsed or ceased 10 be in eHect. Lender will accepl, use and fetain Ih"e payments aJ' Joss rlSe"'e In lI.u of mOf1gage insurance. losa r"'Ne payments may no longer be requiled, al the oplion of Lender, II mOf1gage Insurance COverage (In Ihe amount and lor the periOd Ihat Lender requires) prOvided by an Insurer app'o~ed by lender again becomes available and II obtained, Botto.....er thall pay Ihe promiums required 10 mainlain mongag. insurllncelneffect, or to provide a loss IlISeNe. untillhe requiremenllOt mOrlgagt Insumnce 'nds in acco,dance wilh anywrilllttl ag,eemenl between Bo"owllr and Lender or applicablo law. 9. Inspection. Lender or its agent may make ,easonable enllies upon and inspections 01 the Property, lendo, Ihln give Borrower notice al Ihe Urns of or prior 10 an inspeel/on sprtcilyJng reasonable caustlor the inspection. 10. Condemnation. The proceeds 0' any award or c1alm'or damages, direclor consequential, In connection wllhany condemnation or other taking of any pan ollhe Property. or fo, con~eyance in lieu 01 condemnation, a'e hereby assigned and shall be paid 10 Lendllr. In the event, of a 10lal laking of Ihe Property,lhe proceeds shall be applied 10 Ihe sums secured by Ihis Secu,lty Instrumenl, wh.ther or nOllhen due. wilh any excess paid to Borrower. In the evenl 01 a parliallaklng olthe Proporty In which tht 1,lr mark.l ~alue of the Property immediately belOIll th. taking Is equal 10 or greater Ihan Ihl amount of Iht sums secured by thIs Security Instrumenl immediately belOll tho taking. unless Bo"ower and Lender olherwi" ag'ee In w,iling, the sums secured by this Security Instrumenl shall be reduced by the amounl 01 Ihe pfocoods mulliplied by the lollowing Iracllon: (aJ Ihe lotal amount of the ,ums seCured immedialely bofote tho laking, divided by (bJ Ihe lair mafket value 01 Ihe Property immedial31y belare the taking. My balance shall be paid 10 BorrOwe,. In the e~enl of a parliallaking ollhe Propetty In which the lair market value of Ihe Properly Immedlalely befo'e Ihe laking Is less Ihan the amount ollhe sums secured Immedialely before Ihe laking, unless Bortawe, and lInd4Ir otherwise agree In wrilinQ or unless applicable raw otherwistt provides, Ihe proceeds shall be applied to the sums secured by thl. Secu,ity Inslrumant whether or nollhl sums are Ihan due. If Ihe Property Is abandoned by Bottowor. or iI, after nolica by Lendor 10 Boffower Ihat Ihe condemnor off". 10 make an award or SOllie a claim lor damagos, Borrower fails to respond to Lender wilhin 30 days altor the datI} the nOlice Is given, Lender Is aulhorized to correct and apply 11'1. procnds, atlts option, eilher to restolalion or repaIr ~f Ihe Property 0' to the .uma.ecured by Ihls Secu,ity Inslrumenl, whelh" or nOlthen due. Unll$$ L.nder and Borrower olherwise ag'ee In wrlllng, any applicalJon 01 prOClOds 10 p,incipal shall notlXlend or postpone the due dale of the monthly paymenls lefelrad 10 In paragraphs 1 and 2 or change Ihe amount 01 such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Exlension of the time fot payment or modilication 01 amarllzalion 01 thl sums secufld by Ihls Socurity Insllument granled by Lender 10 any successor In ,Internt 01 Bouower shall not operate 10 release Iha liability 01 the original Bol/ower or Boltower's succossors In interest. lend., shall not be requiled 10 commence proceedings againSI any succllssar In Interest or "'uStlo extend lime lor paym.nt. 0' olherwlsomodlfy amorlizalion ollhe sums secured by this $eocu/ily lnstrumenl by reason 01 any demand made by the orlglnll Borrower Or Bottowe,'s successors in inleresl. Any 10lbearancI by Lender In eKercising any fighl Ot lemttdy shall nol be a waivlr 01 or p'eclude tho e,llllrclse, of any righl or remedy. 12, Successors and Assigns Bound; Joint and Several LlabllltYi Co-signors. The CO~enanls and .gree. mttnts 0' lhis Security Insl'umonl shalt bind and benelillh, sUCCesSOIS and assigns 01 Lender and Borrower, subjactto tht pro. visions 01 pAlagraph 17. Borrowttr's CovenanlS and agroemenls shall be jeinl and sa~olal, MY Bo"owtlf who co.signsthl. SeCUI/ty Instrumenl bul doos nOI eucul. the Note: (a) Is co.signing this Security Inslrument only to mOrlgage, granl and con~ey that Bo"ower's Intorest in the Ploperty under the lerms 01 Ihis Security InsllUmenl; (b) is not personally cbligalod 10 pay the sums 1$" cured by lhis Seculity Instrumenl; and (C) aglees thlll Lender and anyothlll Bot/ower may agree to elClend, modify. forbea, 0, mllke any accommodations wilh reg aId 10 the telms 01 Ihis SecU/lty Instrument or the NOle wllhoullhal Borrower's consent. FMB.PAJI2 (':lfioll Poll\l~ J Ql 5 Fo'm 3OO1iI1iI{OO eoo'i t~,'J5 PI,(~ 712 13. Loan ChargCl. If thl leI" ucu'ld by Ihi, CfcUIII'I Itlstll,lm,nl It 'l,Ibjeclto a Illw ....hich 'III mLdmum lOin ch,'gu, Ind thll IIW II finally InlllplIl.d 10 lhll UtI Inl"l.t or clhlr loan chI/Oil colltelld or 10 bl eoU.cted In connlctlon with lh. lOin ..c..d lh. pllmitt.d limil', lh.n: (.J Iny lueh lOIn chI/g. &hall b. IIdu(ld by lh. amount nlcn.ary 10 IIduce lhl Chllg. 10 th. permin.d IImil; .nd (b) .ny lum' Ilrudy colllct.d flom DorrowII whtth nC'ldld plrmittld limil. will bt IIfund.d 10 Bar/ow". Land., may ehoolllo ml~lthj,"lund byildueing Ihl principal OWld undll the Nol. 0' by ml~lng a dl'lct paym.nt to BellOW'" If a ,.Iund feduc:u principal, Ihl f.dutllon will be tllllld IS . plrtial pltPlym.nl without any pllplymenl thug. und., the Note. 14. Notices. Arty nOlie.lo 8o"OWI' pro...id.d lor In lhit Sac:urlty lnllrum.nllhall ba gi....n by d.Il....rlng It or by milling II by rlrl1 ellu mill unll" IppliClbl. tlw ,.quill' Uti 01 Inoth., m.thod. Th. nolic. Ihlll b. direc:led 10 th. Property Add,e.. 0' .ny Olh., Idd,e.. 8offO""" dl.lgnlt.1 by noticllo Lind... My notic. to Lend.. Ihlll b. gl...on by lir.1 etln mlillO L.nd,'" ,ddltu tlllld hOllin or Iny Olhll Iddru. llnd.. duignalll by notic. 10 Ocrrow.,. My noUee pro...lded 10' In Ihl. Secu,lty Inlttum.nt thin bl do.m.d 10 hll/e been gil/.n to norrOWI' 0' llnd.. whln gil/.n It prol/ided in thl. plrlglaph. 15. Governing Law; Severability. Thl' StCU/lty Inlllumlnt shill bl gOl/ltned by led.ralllw and Ih. law olm. IUli', dic:tlon in which the Proplrty IIloealld. In Ihe 'I/Inllhlllny prol/ilion or cllus, 01 this Security lnlt,um.nt or tht Not. cantliell with applicable law, such conllict shall not ,Hec1 olht, provision.ol this Secu,ity Instlumenl or the Nole whlth can be gllltn .Il.et withoutth. conUicting p,o...i.ion, To this .nd th. pIOl/isonl 01 this Security Inslrum.nl and tht Note Irt d.clar.d to be .....erabl.. 16. Borrower's Copy. no"ower ,hili b. gil/en ont conlo,med copy 01 the Nott and ollhi. Seculity In.trument. 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part 01 the Propelty or any Int",,1 in 111s sold 0' Irans'.rrtd (o, II ,bln.lidal Inlerut in BoUOWlt Is sold 0' t,ansferftd and Borrow'll Is not a nalural pI'lOn) wilhout Lende,', prlo, w1itten consenl, Lendllt may. a1 itl option. tequift immediat. payment in lull 01 all sums ,eturtld by lhls Security Inslrument. However, this option Shall nol be e'lrcised by Lllnd" ile.ercise Is p,ohibited by ledlllallaw as ollhe date of thIs $ecurily Instrument. If Lender ellercises this oplion, L.nder shall gil/e Borrower nolice 01 aceellllalion. The nolice shall p,o...ide a period 01 not lu. than 30 days Irom the date the notice is deti"'l!lIed or mailed wilhin which Borrower must pay all sums secured by this Security Insltumenl. If Borrowe, laits to pay Ihese sums plior to the ..pirllion 01 thi. period, Lende' may iMoke any 'emedias permitted by this SIlc:ulity rnstrum.nl withoullurthe, notice Ot damand on Borrower. 18. Borrower's Right to Reinstate. II Borrowet mllet, ceftaineondilion" Ballower shall ha...e tha ,ighlto hal/e enloltl. menl ollhis SIlculity Inslrument disc:onlinued al any lime priof 10 the eartier 01: (a) 5 days (or such othe' period II appUClible iaw may spec:ity fa, teinstalemenl) befol' s.ale of the Ptoperty pu,suanl tc any power 01 sal. contained In this Security IntllUmlnt; or (b) enlry of a Judgmenl enfolting thi, Security lnst/um.n!. Those condilions are that 8orrowll.: (II pays Lender aU sum. which then would be due under this Security Instrument and the Nole as il no acceleration oc:cuII.d; (b) curlS any defaullol any other co...enant, or agreemenls; (c) pays atl e.p.nses Incurred In enfo.cing Ihls Sec:urity tnstrumenl, including, but not limited 10, reasonable attorneY" lees; and (d) takes such action as Lende' may reasonably require 10 anurt that Ihe tien of this SIlculity Instrumenl, Lender's /Ights In the P'operty and aollower', obligalion 10 pay Ihe sums sec:ured by this Security In.lrument shill continue unchanged. Upon ,einstalement by Borrower, this Secu,ity lnslrumenl and the obligations secured hereby shall remain fullyeHectil/e as it no aCGetoration had occurred. Howel/er. thi, right to "Instate shall not apply in the ease 01 accele.otion under paraglaph 17. 1e, Sale of Note; Change of Loan Servicer. The Nole 0' a partial inte,ost in the Note (Iogelher with lhis Security Instrument) may be sold one or more limn withoul p,io, nolice 10 Bellower. A sale may result In a change in the entity (known as Ihe 'Loan Sel'lic:e,"j that collects monthly payments due under Iho Nole and this Securily Instlurnenl. There also may be one or more changes 01 lhe Loan Sel'licer unretaled to a sare ollhe Note. n there is a chang' olthe Loan Se......lcer, Borrower will be given wlinen notice ollhe c:hange In acc:ordance wilh paragraph 14 abOl/e and applicable law. The nollce will state Ihe name and address ollhe new Loan Sel'llcer and the address 10 which payments should be made, The nolice will also contain any olherlnlormallon required by applicable law. 20. Hazardous Substances. Bottower shall not cause Ot permil the plese nee, use, disposal, slotage, or telease 01 any Hazardous Subslanc:es on or In the Property. Bo/lower shall not do, nor allow anyone el,e to dc, anything aHec:ting Ihe Property that is in violation of any Environmllnlal Law, The p,eceding two senlence, shall nol apply 10 the presence, use, or storage on Ihe Ploperty 01 small quanlities of Hazardous Subslances thai are genetally rec:ognized 10 be appropriale 10 nOlmal tesidenlial uses and 10 mainte. nancoollhe Property, Borrower shall p.ompliy give Lender written notice 01 any investigation, claim. demand, lawsuit or other acllon by any go...ernmental or regulato". agency or pri...ate party invol...ing the Pfoperty and any Huardous Substance or En...ironmentall..aw of which Borlower has actual knowledge, If Borrower tearns, or is notified by any go...ernmllnlal 0' ,egulalory autho,ity, Ihat any 'emoval 0' other .emediation of any Hazardous Substance aHeeting the Property is nec:essary, Ballower shall plomptly take all necessary remedial actions In aCC:Oldlnce with Envi,omentatlllw, As used in this paragraph 20, 'Hazardous Substances' are those dolinod as tOllic: or hazardous sub:tances by En...ilonmental Law and the following subslances: gasoline, kerosone, olher flammable Ot 101lic petroleum products, 101lic pesticides and herbicides, volatile solvenls, malerlal conlaining asbestos a. formaldohyde, and .adioacti...e milte.lals. As used In this paragraph 20, 'envltonmenlal Law' means federal laws and laws 01 Ihe jurisdiction where the Property Is located Ihat relale to heallh, safety or en...ilonmenlal plolection, NON-UNIFORM COVENANTS Boffower and Lender lurther cOl/enant and agtDe as fonows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument {but not prior to acceleration under paragraph 17 unless applicable law provides otherwise}. Lender shall notify Borrower of, among other things: (al the delault; (b) 'he action required to cu,e the default; (c) when the delault must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further Inform Borrower 01 the right to reinstate after acceleration and the right to assert In the foreclosure proceeding the non.exlstence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specilied, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further ,demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, attorney's fees and costs 01 tille evidence to the exlent permilled by applicable law. 22. Release. Upon payment 01 all sums socu,ed by this Sec:urity instrument, Ihis Seturlty Instrumenl and the eslale conveyed shall terminato and become void. Mer such occurrence, Lendel shall dlscha/ge and satisfy this Securily lnst,ument ..-. j93< MOl." " p~Gf 713 Form 3039 9/00 :-,~t\~ FMij.PAJ1J (9194) P,1g~ 4 01 ~ without chlrg.to Bot/ower. Bollow.r ,hall pay any "coldation COI'I, 23. Waivers. Borrower. IOth..dlnt plrmln.d byapplie.lbl. Ilw. walvII and "I.".. any.tror ord.flClllnprOQHdings to .nIOf~ this Security Insllum.nt. and h".by walv.s the b.n,m 0' Ifly p"..nl or Mur. I,w, prcMding 'ot ItlY of .ucvtlon. .1I.ntlon of lime. .nmpllon 'rom Inlchm.nt. I.vy Ind bl., and homlllud .umpIJon, 24. Reinstatement Period. Boffow,,'s tlm. 10 "Inllll' pfovld.d In pltagtaph 18 shill u'.nd 10 on. hour pflor 10 the comm.nc.m.nl of bidding It. shlritt's ",. or olh" "II pUllusn' to lhi, Secufity Insllum.nl. 25. Purchase Money Mor1gage. If .nyo' the dlblllCur.d by thi. Stcurity Instlum.nt is I.nt to Oolfow.r 10 .cqulr. bUt 10 !h. Prop.rty. this Security In,trum.n' ,hall be I pureh... mon.y mortg.;.. 26. Interest Rate After Judgment. Darrow" IQ""lhll the Inllllsl "" paylblllflll . judgm.nt is .nlllld on the Noll. or In an action 01 mortgage fOllelosu" shan be Ihl "" plYlblllrom limlto time under Ih. NoI., 27. Riders to thIs Security Instrument. II ani or mOil ridlll 1/, ..Icut.d by BoIfOW" and IIcordld togllher with this Security lnslrumenl, the CoYlnanl. and ag"em.nt, olllch such rid" than bllncorporll.d Inlo and Sh.nlmend .nd supplem.nt the coven.nts .nd Igleemenls of this Security Instlumen' ,,11th. ridllls) WII' I part of Ihis Security Instrumenl. {Cheek applicable box(ull 0 Adjllslab/It Rate Aid", 0 Condominillm M't 0 ,-4 family Aider 0 Gradualed Payment Rider 0 Planned Unll Ctv.lopm.nl Ridll 0 BIweekly Pilym.nl Ride' 0 Balloon Rider 0 Rale Improvement Rider 0 Second Home Rider 0 Other(s) (specify) BY SIGNING BELOW, Botfowl( aee'Plll and aglll" 10 Ihe lerms and tovenlnll contained in ~his Security tnstrumen' Ind In .ny rld.r!.) euculed by Borrower Ifld retarded wilh ii, -_.~ ~\l," W~G'XD~ MARY LD';;JFREUNDEL s - (Seal) -Borro....er IS.~I -t!orrower (Seal) .BOlto..w:r ....... (' i ~. -!"H I i' ..... (Seal) .Borrower (Space Belo....fhjs Una FOI Acknowledgement] STATE OF PENNSYLVANIA COUNlY OF .6.i/nd,.;;.t-U".~L I } 55: I Onthl!!,the 30th day 01 September, 1094 ,beroreme, Ihe undersigned otticor, plfsonally appeared WIWAM G. FREUNDEL and MARY LOU FREUNDEL known 10 me (or sallsfactorUy proven) to be the person(s) whose name(s) are Instrument end acknowledged tha' they e.eculed Ihe saml for the purpose helllin contained.. subscribed 10 the within IN THE lMTNESS 'NHEREOF, I hlfeunto set my hand and cHiclal seal, Notarial Seal Smnng K. Sc>ltlC1', NOI;UY PubL'c CClmp HdI f..!oto, Cunlt:-orl;>.nd Cou:t.y MyC.onllnl~.;;on~o:oircs/l.ug.25. t997 '~mOOr. Pcnnsyrv.'1J'takoor.t(A1 c: f'l..:::unca JVJ(vlil~ K J{"{k<.- TiUe alOfficer ., i':\.:~~~:::;i;;:::~;, . .~=, -: ..1~\Jo"'~)'d..:.:.\.-....--,. ~~;1i~~~if.~L ,:."~f .~~\~~.::.. ...........1;..-. My commission "lpilll!!: FMB.P"314(9~J Page 5015 Form 3039 ~ "I LC~}. . p,nnit?1~ "" ";'iA 1\~111~ t.,.ourt 01 Lommon 1'1~:IS 01 Lumbcrl:\nd Lounry, l'~nn5ylv:1nl:\ (2 of 2) Main Line Bank, et. al. VS. Mary Lou Frcundel. et. al. (a/k/a MQry L. Freundel) Serve: Mary Lou Freundel No. 9B-4406 Civil 19_ Now, B/3/9B York 19_,1 SHERIFF OF CCMBERLA:-iD COUNTY, PA do hereh~' deputize the Sheriff of County to execute this Writ, this deput,tion being mode,t tbe request ,nd risk of tbe Plointiff. ~~~~~t Sheriff of Cumberlond County. Po. Affidavit of Service ~OW, within upon ,t by banding to ,ttes:ed copy of the originol the coo tents thereof. 19 . ,t o'c1ock ~l. sen'cd the ,/tz/2,t/A , true ond ,nd mode known to :'...-'j :eo 0 = . '"" " .. " .'. -~ C) .... Pi 'r.~ ~-.:. r:, .~l"f1 <::> (n < N- """ =rn = r'lO 'h'. ::0 I ;"1 ~u:; -q '= "q Mary Lou Freundel Not Found in York County, pennsylvania; New Address: 7C Tory Circle, Enola, PA 17025. So answers. Sheriff of YORK Counry. p" NOTARIAL SEAL JIM V. VA~" ""~N, NOTARY PUBLIC YOI' ,.' COUNTY, PA . . MY caMP .", i,^PIf\~~ JAN, ~2,l!9(jj COSTS Sworn ,nd subscribed before ':s:t' . 17th d"y of August 19~ ~ [~~?~~-- SERVICE ~IILE'-\GE ,-\FFlD,-\ \"IT s S ,~. FEDERMAN and PHELAN By: FRANK FEDERMAN Identification No. 12248 suite 900 Two Penn Center Plaza Philadelphia, PA 19102 (215) 563-7000 ATTORNEY FOR PLAINTIFF .f I MAIN LINE BANK (F/K/A MAIN LINE FEDERAL SAVINGS BANK) CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION VS. MARY LOU FREUNDEL, A/K/A MARY L. FREUNDEL WILLIAM G. FREUNDEL NO. 98-4406 CIVIL VERIFICATION OF NON-MILITARY SERVICE FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendant(s) is/are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' civil Relief Act of Congress of 1940, as amended. (b) that defendant MARY LOU FREUNDEL, A/K/A MARY L. FREUNDEL is over 18 years of age and resides at 730 STERLING COURT, ENOLA, PA 17025. (c) of age, and DILLSBURG, PA that defendant WILLIAM G. FREUNDEL is over 18 years resides at 170 FRANKLINTOWN ROAD, APARTMENT G, 17019. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~Wvv15A~~ FRANK FEOERMAN, ESQUIRE Attorney for Plaintiff '0 -. '. ~~~" ~ .- < ~' 'r=:l < '=' '0- I'< , ' '" : : Z . ." cr.< <.l ~i_ , ' i5 . . <> Z c) C')L~ ... ... ci t:::...J ,=:- 0 ... :;-:;.- < ~ E '" c ~ -:r. ::l .. ZZ I " .. u' ,.. CJ cZ t:l .~ -~ '.' ," :"", 0<:. X";;" ~- -- r::: .. .- 0<: = ,~ o . ..- U~ ...Gl r.- III ,a c; 0 <" ~~ Ou ~c:: ?' ::..z; II OJ c:; C::l . :-." ( "l- v. :-.0 '" _ 0 ~.::. c::t:. .! :::u I'<~ =:- ~ ."" ::lc ~~ OJ :" ~. ... 9ii: 0 <.l c:: :: OJ :z: ::> 0,:,0 :0 . ..: .- ...< s~ -0 .. :- . :::~ -0 " - t:::: ~g t::::E ,-.;: t .; .; E:t::I i~ :.. ~ jl Z .; z~ 0 . z z -:;: J ::> ~ 1 u < .. - '::l .. ::- CJ .- - '" ... l;: '" !" .; '::l <: ..... ..... DESCRIPTION ALL THA T CERTAIN Unit and the property known, named and iuentified in the Declaration referred to below as "Laurel Hills North Condominium I", located in East Pennsboro Township, Cumberland County, Pennsylvania, which has herecofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act. 68 Pa. C.S.A, S3101 et seq, by the recording in the Office for the Recorder of Deeds of Cumberland County of a Declaration dated April 4, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Miscellaneous Book 362, Page 661, as amended and restated, being and designated in such Declaration. as amended and restated, as Unit No. D-21, cogether with a detached garage. being and designated in such Declaration as amended and restated. as Unit No, D-21-G, which said Unit is more fully described in the Amenaed and Restated Declaration, dated Occober 15, 1990, recorded-in the Office of the Recorder of Deeds in Cumberland County in Miscellaneous Book 388. Page 483. Plats and Plans- Site Plan, recorded in the Office of the Recorder of Deeds of Cumberland Countv in Plan Book 57. Page 126. and First Amendment to Plats and Plans-Site Plan. recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 61, Page 102 together with the proportionate undivided interest in the Common Elements (as defined in said Declaration, as amendeu and restated) of 6.93 %, Laurel Hills Development Corporation reserves the right. in accordance with said Declaration as amended and restated. to reduce and relocate Grantees proportionate undivided interest in the Common Elements as provided in the Declaration. as amended and restated, BEING municipally known and numbered as 7-C Tory Circle, , UNDER AND SUBJECT to conditions, restrictions, rights-of-way and set backs as shown on Final Subdivision Plan for Laurel Hills North, dated June 26, 1967, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 54, Pag~ 30 Plai~ and Plans-Site Plan, dated March 21, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126; and First Amendment to Plats and Plans-Site Plan, dated September 28, 1990, and recorded in the Office of the Recorder of Deeds of Cumberland County. Pennsylvania, in Plan Book 61, Page 102. Tax Parcel #9-14-835-82 TITLE TO SAID PREMISES IS VESTED IN William G. Freundel and Mary Lou Freundel, his wife by Deed from William E. Franson and Shirlee J. Franson, his wife dated 10/25/93 recorded ______.}0/4/94 in Deed Book 112 page 938, ~, . ." v/ i>'lt i t( I' (I' .. I;,',,~\ t I .,'..~: , Ii<" I II'" 'I' 1/ .:: 1\'" I' .,'. 1. '.-., , \.',. I' .:.:'\,.. 5. Name and address of every other person who has any record lien on the property: NAME LAST KNOI'iN ADDRESS (i f address cannot be reasonably ascertained, please so indicate) NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: NAME LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) NONE 7. Name and address of every other person whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: NAME LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) TENANT/OCCUPANT 7-C TORY CIRCLE ENOLA. PA 17025 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to auth~r,'ties. September 29. 1998 . r.b y-. ^,' A'\ ~ tQ,Q~^---, DATE F 'NK FEDERM~~, ESQUIRE Attorney for Plaintiff ~...-' .. .~. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sa le. (See not ice on page two on hovl to obta in an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1- be sold calling If the Sheriff's Sale to the highest bidder. (215) 563-7000. is not stopped, your property will You may find out the price bid by 2. sale if of your You may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call (215) 563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUN~Y ATORNEY REFERRAL CUMBERLAND COUNTY BAR ASOCIATION 2 LIBERTY AVENUE Cumberland County Courthouse CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 ,~ DESCRIPTION ALL THAT CERTAIN Unit and the property known, named and identified in the Declaration referred to below as "Laurel Hills North Condominium I", located in East Pennsboro Township. Cumberland County, Pennsylvania. which has hen:tofore been submiued to the provisions of th<:: Pennsylvania Uniform Condominium Act. 68 Pa. C.S.A. S3101 <::t seq, by th<:: recording in the Office for the Recorder of Deeds of Cumberland County of a Declaration dated April 4, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Miscellan<::ous Book 362. Page 661. as amended and restated, being and designated in such Declaration. as am<::nded and restated, as Unit No. D-21, together with a detached garage. b<::ing and designated in such Declaration as amended and restated. as Unit No. D-21-G, which said Unit is more fully d<::scribed in the Amenoed and Restated Declaration, dated October 15, 1990, recorded-in th<:: Office of th<:: Recorder of Deeds in Cumberland County in Miscellaneous Book 388, Page 483, Plats and Plans- Site Plan, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126, and First Amendment to Plats and Plans-Site Plan. recorded in th<:: Offic<:: of th<:: Recorder of Deeds of Cumberland County in Plan Book 61. Page 102 together with the proportionate undivided interest in the Common Elements (as defin<::d in said D<::claration. as am<::nded and restated) of 6,93 %, Laurel Hills Development Corporation reserves the right. in accordance with said Declaration as amended and restated, to reduce and relocate Grant<::es proportionate undivided interest in the Common Ekments as provided in the Declaration. as amended and restat<::d, BEING municipally known and numb<::red as 7-C Tory Circle. , UNDER AND SUBJECT to conditions, restrictions, rights-of-way and set backs as shown on Final Subdivision Plan for Laurel Hills North, dated June 26, 1967, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 54, Page 30 Plats and Plans-Site Plan, dated March 21, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126; and First Amendment to Plats and Plans-Site Plan, dated September 28, 1990, and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 61, Page 102. Tax Parcel #9-14-835-82 TITLE TO SAID PREMISES IS VESTED IN William G. Freundel and Mary Lou Freundel, his V wife by Deed from William E. Franson and Shirlee J, Franson, his wife dated 10/25/93 recorded . }O/4/94 in Deed Book 112 page 938. >- C) '- G_~ (.... -:.. C-C . 1--- -' U.I(.:! z~~ , ~1(:\ ","4 , U_.:, LL - 'J_ .> ,-' r"" '. " :....) '!- 0" " , ll.t .. =.!ll . 1-- ..- l:..J LL. -:i. c: C~ ,- 0 I , C-~ =5 d 0' (J "-'. ..- ~ c:> r,::, f~ ,..-: t:'.: " (" '. U.l.'.-:' , ~:~ i' :':" t'~ :; c~ ~.;'} r:_ .", !.'., ('.J ". C,L.. L:,..'."'. I :2 , ~:: IT:. l~:~ U :1- 1-'. ::: Lt. C" ':5 0 G" 0 ., Main Line Bank (Ilk/a Main Line Federal Savings Bank) -vs- Mary Lou Freundel a/k/a Mary L. Freundel and William C, Freundel In the Court of Common Pleas of Cumberland Counly. Pennsylvania No, 9S-4406 Civil Term David McKinney, Deputy SherilTwho being duly sworn according to law, says on January 19,1999 at 8 o'clock P.M. E. S. T., he posted a copy of real estate Writ Notice and Poster in the above entitled action on the property of Mary Lou rreundel alk/a Mary A, Freunde/ and William C. Freundellocated at 7 C Tory Circle, Enola, Cumberland County, Pennsylvania, according to law. Michael E. Barrick, Deputy Sheriff who being duly sworn according to law, says on October 27, 1998 at 4: 15 o'clock P.M. E. D.S:r., he served a copy of real Estate Writ Notice and Description, in the above entitled action upon one of the within named defendants to wit: Mary Lou Freunde1 aka Mary L. Freundel by making knownunlo Mary Lou Freundel at 730 Sterling Court, Enola, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. David McKinney, Deputy Sheriff, who being duly sworn according to law, says on January 19,1999 at 8 o'clock P.M.E.S.T., he served a copy of real Estate Poster in the above entitled action upon one of the within named defendants to wit: Mary Lou Freundel, by handing to Mary Lou Freundel at 730 Sterling Court, Enola, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copy of the same. 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 Sheriffmailed a notice of the pendency of the action to one of the within named defendants to wit: William C. Freundel by Certified Mail Return Receipt Requested, Restricted Delivery Deliver to Addressee Only to 170 Franklintown Road, Apt # 6, Dillsburg, Pennsylvania. This letter was mailed under the date of January 6, 1999 and received by William C. Freundel on January 8, 1999 the return receipt card signed by William C, Freundel. R. Thomas 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: Mary Lou Freundel aka Mary L. Freundel by regular mail to her last known address 730 Sterling Court, Enola, Pennsylvania. This letter was mailed under the date of January 20, 1999 and never returned to the Sheriffs 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 of the within named defendants to wit: William C. Freundel by regular mail to his last known address 170 rranklintown Road Apt 6. Dillsburg, Pennsylvania. This letter was mailed under the date of January 20, 1999 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says he made diligent search and inquiry for the one of the within named defendants to wit: William C. Freundel but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of York County to DESCRlP'fION ALL THAT CERTAIN Unit and the property known. named and identified in the Declaration referred to below as "Laurel Hills North Condominium I". located in East Pennsboro Township. Cumberland County, Pennsylvania. which has heretofore been submitted to the provisions of the Pennsylvania Unifonn Condominium Act. 68 Po.. C.S,:\. S3101 et seq. by the recording in the Office for the Recorder of Deeds of Cumberland County of a Declaration dated April 4. 1989. recorded in the Office of the Recorder of Deeds of Cumberland County in Miscellaneous Book 362. Page 661, as amended and restated, being and designated in such Declaration. as amended and restated, as Unit No. D-21, together with a detached garage, being and designated in such Declaration as amended and restated, as Unit No, D-21-G. which said Unit is more fully described in the Amenaed and Restated Declaration. dated October 15, 1990. recorded-in the Office of the Recorder of Deeds in Cumberland County in Miscellaneous Book 388, Page 483. Plats and Plans- Site Plan, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57. Page 126. and First Amendment to Plats and Plans-Site Plan. recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 61, Page 102 together with the proportionate undivided interest in the Common Elements (as defined in said Declaration. as amended and restated) of 6.93%. Laurel Hills Development Corporation reserves the right. in accordance with said Declaration as amended and restated, to reduce and relocate Grantees proportionate undivided interest in the Common Elements as provided in the Declaration. as amended and restated, BEING municipally known and numbered as 7-C Tory Circle. " UNDER AND SUBJECT to conditions, restrictions, rights-of-way and set backs as shown on Final Subdivision Plan for Laurel Hills North, dated June 26, 1967, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 54, Page 30 Plats and Plans-Site Plan, dated March 21, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126~ and First Amendment to Plats and Plans-Site Plan, dated September 28, 1990, and recorded in the Office of the Recorder of Deeds of Cumberland County. Pennsylvania, in Plan Book 61, Page 102. Tax Parcel #9-14-835-82 TITLE TO SAID PREMISES IS VESTED IN William G. Freundel and Mary Lou Freundel, his V' wife by Deed from WiJliam E. Franson and Shirlee J. Franson, his wife dated 10/25/93 recorded ______ }0/4/94 in Deed Book 112 page 938. ), .' . ,., .' You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale to the highest bidder. (2151 563-7000. is not stopped, your property will You may find out the price bid by 2. sale if of your ~ou may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property. 3. The sale will go through only Sheriff the full amount due in the sale. happened, you may call (215) 563-7000. if the buyer pays the To find out if this has 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY ATORNEY REFERRAL CUMBERLAND COUNTY BAR ASOCIATION 2 LIBERTY AVENUE Cumberland County Courthouse CARLISLE, FA 17013 (717) 249-3166 (800) 990-9108 ;" " .. DESCRIPTIOl'i ALL THAT CERTAIN Unit and the property known, named and identified in the Declaration referred to below as "Laurel Hills North Condominium I", located in East Pennsboro Township, Cumberland County, Pennsylvania. which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa. C.S,A. 53101 et seq, by the recording in the Office for the Recorder of Deeds of Cumberland County of a Declaration dated .-\pril 4, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Miscellaneous Book 362, Page 661, as amended and restated, being and designated in such Declaration. as amended and restated, as Unit No. 0-21, together with a detached garage, being and designated in such Declaration as amended and restated, as Unit No. D-21-G. which said Unit is more fully described in the Amenaed and Restated Declaration, dated October IS, 1990, recorded' in the Office of the Recorder of Deeds in Cumberland County in Miscellaneous Book 388, Page 483, Plats and Plans- Site Plan. recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126, and First Amendment to Plats and Plans-Site Plan, recorded in [he Office of the Recorder of Deeds of Cumberland County in Plan Book 61. Page 102 together with the proportionate undivided interest in the Corrunon Elements (as defined in said Declaration. as amended and restated) of 6,93 %, Laurel Hills Development Corporation reserves the right. in accordance with said Declaration as amended and restated, to reduce and relocate Grantees proportionate undivided interest in the Common Elements as provided in the Declaration. as amended and restated, BEING municipally known and numbered as 7-C Tory Circle, , UNDER AND SUBJECT to conditions, restrictions, rights-of-way and set backs as shown on Final Subdivision Plan for Laurel Hil1s North, dated June 26, 1967, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 54, Page 30 Plats and Plans-Site Plan, dated March 21, 1989, recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 57, Page 126; and First Amendment to Plats and Plans-Site Plan, dated September 28, 1990, and recorded in the Office of the Recorder of Deeds of Cumberland Coumy, Pennsylvania, in Plan Book 61, Page 102. Ta:< Parcel #9-14-835-82 TITLE TO SAID PREMISES IS VESTED IN William G. Freundel and.Mary Lou Freundel, his v/' wife by Deed from Wil1iam E. Franson and Shirlee 1. Franson, his wife dated 10/25/93 recorded _u__'_ __~0/4/94 in Deed Book 112 page 938, ~, >. ';:'J (. , >- -. - ,.-. (~) L,,] \.:: ::--.~ ~~1(;' :J u... ,.Sr.. a w(J.. ___J L ~ r ..:.:::; ....- i:E: r.:'" -; ..1 --0 u_ ...-.> () c::... :::J C;:J <'-, (J