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Home My WebLink About98-04519 , ...,~ ',,:~ , t ' '. . ,," \: " . ' ,~ " , . .<. , :'. _' ,., : '. - .' , ' ' . \ ~ /;', " 'J:. .' r , ". ','.. . TN Tm: COURT 01" COMMON PLEAS OF CUMIJEHLAND COUNTY, PENNSYINANIA CIVIl, ACTION - [,A~I PNC BANK, N/\TIONAl, ASSOCI/\TION, Plaintif f No. 98 - )/ SlY (J,l."'( ~7(,~ /1 I va. CHRISTOPHER NESTER and ANTONELL/\ M. NESTER, IN MORTGAGE FORECLOSURE Defendants NOTICE TO DEFEND TO THE ABOVE-NAMED DEFENDANTS: 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 pleading and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections 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 pleading or for any other claim or relief requested by our client. 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. Court Administrator 4 th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 DELAFIELD, McGEE, JONES & KAUFFMAN By v dele Kauffman, Esq. At orney for Plaintiff Attorney I.D. No. 50692 300 S. Allen Street, Suite 300 State College, PA 16801 (814) 237-6278 .... '., '..... .'... . + . ..- :,' . ,., . '., ,.'l .. ,I '.: ..". " r,..". IN TilE COURT OF COr~~lON PI,EM; OF CUMBERLAND COUNTY. PF.NNSYLVANIA CIVil, ACTION - LMI PNC BANK. NATIONAL ASSOCIATION, P1aintif f No. 98- J1S/9 CIL"'l "'--T0'U'\ YO. CHRISTOPHER NESTER and ANTONELLA M. NESTER, IN MORTGAGE FORECLOSURE Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. The Plaintiff-Mortgagee, PNC Bank, National Association, is a corporation organized under the laws of the United States of America, having an office and place of business at 1631 South Atherton Street, State College, Centre County, Pennsylvania. 2. The Defendants-Mortgagors are Christopher Nester and Antonella M. Nester, whose last known address was 2115 Wentworth Drive, Camp Hill, Cumberland County, Pennsylvania (17011). 3. At all times material to the Plaintiff's cause of action, the Defendants have been the owners of a tract of land and the building thereon erected, herein called "land", located in the Township of Lower Allen, County of Cumberland and State of pennsylvania. 4. The land which is the subject of this action is identified as 2115 Wentworth Drive, Camp Hill, Cumberland County, _,,' ., \ ' ~ '~ . '.',., _ .J'. - ~ .' . . . , '... ' : . ." .'. t : .' ". ~, _," .' . " . ' PCl1lwyl v,mia, more part icul,u'l y deBcri bed in Cumberland County Deed BOOK Z-32, Page 406. 5. On or about AUgUBt 13, 1996, in consideration of the loan of $20,010.00, made by Plaintiff to the DefendantB, the Defendants executed and delivered to Plaintiff an Installment Loan Note and Security Agreement secured by a Mortgage on the land obligating Defendants to pay Plaintiff $20,010.00 with payment of $255.04 to be made monthly until this loan, additional advances, interest and other charges covenanted were paid in full, with interest at the rate of 9.15% per annum. The Mortgage is recorded in Cumberland County Record Book 1338, Page 308. A copy of this Mortgage is set forth as Exhibit "A". 6. The Defendants are in default with respect to the said Mortgage because of their failure to make the payments due for the months of November, and December, 1997 and January, February, March, April, May, June and July, 1998. 7. Under the terms of the Note set forth as Exhibit "B", Defendants are obligated to Plaintiff as follows: Unpaid Principal Balance Interest through July 10, 1998 Late Charge Real Debt $19,002.83 500.19 30.00 $19,533.02 with costs, attol'ney'u feeD and expenses to be added. 8. The Defendants are the present owners of the land. 9. Plaintiff has complied with the requirements of Act No. 6 of January 30, 1974, by forwarding a notice of intention to foreclose to Defendants on February 11, 1998, a copy of which is attached hereto as Exhibit "C". 10. Plaintiff has complied with the requirements of Act 91 of 1984 by forwarding the notice attached hereto as Exhibit "D" and has been denied Homeowners Emergency Mortgage Assistance by the Pennsylvania Housing Finance Agency. WHEREFORE, Plaintiff, requests the entry of judgment for foreclosure and sale of the mortgaged premises and for the amount of $19,533.02, together with all interest, expenses, unpaid taxes and costs of this suit. DELAFIELD, McGEE, JONES & KAUFFMAN By / Kauffman, Esq. for Plaintiff Attorney I.D. No. 50692 300 S. Allen St., Suite 300 State College, PA 16801 (814) 237-6278 Dated: or I. '7 . . '. ..'.... [, '.. _ t '.,' i . ~+ . ~ . I _ ~, ~ ". . '. ,"'.:' " , . . COMMONWEAl.TI1 OF I'ENNSYI'vAN I A fiS COUNTY OF J'.LI,EGIIENY -GaJ:y II"schl.e,-- ntates that he is A. Vice-Pcesident of PNC Bank, National Association, and that he is authorized to make this affidavit and verifies that the statements made in the foregoing Complaint are true and correct. He understands that false statements herein are made subject to the penalties of 18 Pa.C.S. 54904, relating to unsworn falsification to orities. Date: 3' -o-q'( Ucschlec A. Vice-Pcesident ~~:~ ~~ 1S1Jfff~3 )1"1..-r.~,rc~~~~~j) 'THIS MORTGAGE Is mad. on Aug. l,:j,9 ~~"'ortiagorls CHRISlOlm " t IJITOBILLA K, mm IIth.r.ls mor: than on., the WO'l\"MOnaaior" he,ein ref.rs 10 81ch .nd all of them, Th. Mongage.is PNC Blink, Nl1tionl1l Auooiati Th.WOId.Borrowe~'means ClllISTOPHER NESTER, ANTOllELLA H NESTER . 'if th.r.ls mar. than one, the word "Borrower" h.,.ln r.f.rs to .ech .nd all 01 th.m, ':~~:::~or~.rowesMortgage.th'lumol . Twenty Thoull1Ild Ten And 00/100 . ,DoII.r '(U.S. $ 20,010.09. TIIII debtls evidenced by Borrower'swfltt.n obligation (,eferred to h.r.in IS lh. 'Not."), dat.d Aug. 13, 199 " , This Mortgage secures to Mo,llegee: (I) the r.paymenl 01 the debt evldenc.d by the Nole, with Interest and other charges as provided therein; (b) lh , paymenl of all other sums with In"rlll thereon, advanced hereunder forlhe payment at ta.es, ass.ssm.nts, maintenance Charges,lnsurance premiums an costs Incurred to protect th. securllY 01 this Mortgage: (c) Ihe paymenl 01.11 of MortgagH'S costs at collection, including, costs at suit .nd, II permitted by lay , ieasonable attorneys' IHS and uP'nses,1I suit Is filee orother action is taken to collecl the sums owing or to protecllhe secUrity 01 IhlS MortPge; (d) paymer , 01 any rellnanclng substitution .slenslon, modification and lor renewal of any of said Indebtedness. Interesl, charges. costs .nd expenses; .nd (.) tl: "~'Perlorm.nce 01 M~rlaago~s and/Or o.oir"!"er'scC?'/enants and agreements under this Mortgage and the Not.: (I) the repaymenl 01 th. debt evidenced by.r. ';: not. or agre.menl which was relln,nCed by \he Note, tolhe exlenllhal such debt is owed te Mortg.gH.nd has nol been paid, For this purpose, Mor\ilgor dot 'her.by morlaage granl and convlY to Mortgagee Ih. following described nroperly, together With .11 Improvements nOW or here.ft.r .rected, .nd t ":'easements righ~andappun'MI1C..thereon,lotItedatandknown.s: I, I"';' ,:' '.,,: i ",>,;.;,'21iS WENTWORTH DR, CJUlP HILI:; PA 1701174S0 CUMBERLAND " ,"J., '.' "" ':-:;'1,11; Recording Dl1te 01 Originl1l Deed Oct. 14, 19B7 '.:" ' ',: Deed Book Numbet Z-32 , Page Number 406 .::,:"" Tax Parcel No. 1,_23-0549-180 . ~T' .:.;...... . ...1<<t1.,.~....,":._. ..~~~..~I\,t:...' .'. 0' IJlWl , , II " ,,:.:~:.:::; 1':.,::,;:' ~ ., Lrw-tI allll.n'rW{> " The word .Property" herein shallll1e.n all olthe foregoing morlaaged properly. ;... To have and 10 hold the PropsrlV unto the MortgagH, its successors and assigns, forever. Provided, however,lhat if Mortgagor andlor 80rrower shall pay ,Morlaage. the said debl,lnterest, ~nd all other sums, and perlorm all covenants and agreements secured hereby, then Ihls Mortgage .nd the estale convey! . ',: by Ilshalllerminate and becoms void. " ' ,.. W.,",nly of Till.. Morlaagor warrants and represents 10 Morlaage. that (a) Morlaagor Is Ihe sole owner of Ihe Properly, and hasth. rlghllo mortgage ar , conv.y Ih. Properly; (b) the Prop~rtY 15 unencumbered exceot for encumbrances now recorded; and (c) Mortgagorwill defend Ihe title 10 Ihe Property again III claims .nd demands excepl Sllcumbrances now recorded. ' ," Cownanbl, Mortgagor proml.es and agrees as follows: ' ' 1. Mortgagor will maintain 1110 Property in good order and repair. 2, Morlaagor will comply wlih all laws respecting Ihe ownership and/or use oflhe Properly. ,,-' 3. II the Property Is part of s r,ondominium or planned unll development, Morlaagorwill complywilh all by-laws, regulallons and restrictions at retOr 4, Mortgagor will pay and/UI perform all obligalions under any mortgage, lien, or security agreemenl which has priority overlhls Morlaage. 5, Mortgagorwill payor cau.ato be paid all taxes and other charges assessed or levied on Ihe Property when due and, upon Bank's request, will deliver B..nk ree.lpts Showing Ihe paym~nt of such charges. ' , 6. Morlaagor will pay for and maintain insurance coverage against loss of or damage 10 Ihe Properly in such form and amounl as Mortgagee m 'lIOson.bly require, unllllhe Not~ ,. paid and the Morlaage is salisfied. Mortgagee shall be named as addilionalinsured and loss.payee/morlaagee under , ltandard mortgagee clause includad In such policies. Morlaagor shall deliver 10 Mortgagee a copy of the insurance policy, renewals, and evidence of payme " ' u~nkMortgage.'s requesl. Morlaalor gives Mortgagee the rlghl to sign Mortgagor'S name on any check or draft from an insurance company. This Is limited It ,cll.., orldraftln paymenlol returned premiums or benefils under Insurance covering Ihe Properly. This means Ihat Mortgagor appoints Mortgagee .. Onley. n.lacl lor Mortgagor with full power to endorse checks or drafts under this section. " r \I MOrlaagorlaits 10 perlUlm any duty or obligation required by Ihese covenants, Morlaagee may, al its sole opllon, advance such sums as il dHr u,ee. sarylo prolacllhe Properly And/or its rights in Ihe Properly and underlhis Morlaage. Mortgagor agrees 10 repay Morlaagee such amounts, with Inlen " ereon, upon demand, and agrs~' thaI such amounts shall be added 10 the amounts secured by Ihls Morlaage and due under Ihe Note. ,.',....;- ~. ~ny interesl payable 10 Mortgagee after a judgmenl is enlered or on additional sums advanced shali be allhe rale provided for in the Note. "_:' ;"10' orlaagee may make rsalonable enlries upon and Inspections oIlhe Property after giving Mortgagor prior notice 01 any such inspection. : ..: ~ 11' Mortgagor will nol seli,ls.,e,lransler ownership in, or enler inlo an installmenl sale contracl for the sale 01 all or any partoflhe Property. " -If mor'; t~~e promises, agreemenlland rights in Ihis Morlaage shall be binding upon and benefilanyone to whom Ihe Properly orlhis Morlaage islranslern . ~.. Escro~ one Mortgagor sign! thl. Mortaa(.7,8, each and all of them are bound individually and together. , COndOmlnlu~freqUeSled by Mortsagee, Mort.&agorwill paylo Mortgagee each monlh an amounlequal to 1/120ltheyearlytaxesandassassments (includi . the Properly ~n~.!lround unit as.a..ments,II any) which may be given priority overlhis Mortgage plus. 1/12 ollhe yeariy premium for properly insurance , ',' Delaull.' o. ...agor s~all nol have to make Ihe.se payments 10 Morlaag~ 10 Ihe ..tenllhal Morlaagor m~kes Ihem 10 Ihe holder 01 a prior mortgage, . Morlaa e' (C)Mortgagor Villi be In dela~1I under Ihl5 M~rlaage: (a> II there 15 a delaull under Ihe Nole: (b) " Morlaagor breaks any promise made in \I " involun~aiv b If ~ny MOrlaagor dial; (d) If any olhe, credltorlries to lake Ihe Property by legal process; (e) II any Mortgagorllles bankruplcy or II anyone files false Slaleme~~ i rUfhtcy against anv Mort.&agor, (I) II any tax lien or levy is filed or made against any Morlaagor orlhe Properly; (g) lIany Mortgagor has madea Mer\il ,n is Mortgage: 01 (h) II Ihe Properly 15 deslroyed, or seized or condemned by lederal, slale or local govemment. , deClare due~~dl R.medl.... Unlsgl prohlblled by law,if Mortgagor is in delault underlhis Morlaage, Morlaagee may, al Its oplion, alter nollce required by" ;'" enllre balance layable the enlirs unpaid balanceolthe sums which aresecured bylhis Mortgage and owing upon the Agreement, II Morlaagee so declares su . Mortgage forecl ue and payable, Mortgagee may take possession oIlhe properly, collecl any and all rents, apply said rents 10 Ihe indebtedness secured by I action or any othose the Mortgage, 01 take other aclion upon Ihe Mortgage as permitted or provided by law 10 collectlhe balance owing.lla mortgage foraclosl Bankruplcy Co rt,erMaction on Ihis Mortgage 15 filed by Mortgagee, andlor II Morlaagee takes any acllon 10 protect or enforce Its interest in any court, Includ , . R.medles u ortgagor agrlllll to pay to Mortgagee all expenses and costs 01 such aclion, including, II permitted by law, reasonable attomeys'lees. during which Cu~ulallv..I! ~ny nlrcu'!'stance ex!sts which would permit Morlaagee to accelerale Ihe balance. Morlaagee may take such action at anyti: , ". , 0.1. in suc clrcumslancSg contmues to e~lst. Mortgagee's remedies under Ihis Mortgage shall be cumulallve and nol allernalive. , Mortgag~ OIEnI.rc'~.nl. MortgOS.e can delay In enforcing any 01 its rights under Ihis Morlaage or Ihe Agreemenl wlthoulloslng Ihal right. Any waiver , Asaignm.":MProvISion ..of thlg Mortgage or Ihe A~reem.ent will not be a waiver of the same or any olher provision on any olher occasion. , .' ': . Sov.robl ortgagee may ,"II, Iransfer or assign Ihls Morlaage wllhoul Morlaagors' consent. " ..~, '-' 'remaining pr~~'ill any provisi6n at this Mortgage is held 10 be invalid or unenlorceable, such delerminalion shall nolatract the validity orenlorceability of' VIS ons olthls Mortdase. ' . " . : WITNESS the slgnin Ilhls age on he date sellorth above, intending to be legally bound. , " t-t( ~ {Lt., "/'''"'/-? l/(.'\.......... . Mortgagor Exhibit "Po" ACi~:.OWLU,,,,:.iU~T COUNTY OF CllltlbP.rland ) ) ss: ) . COMMONWEAL1H OF PENNSYLVANIA , Onlhls 13 day 01 1\Ugust ,19~,belo'eme, rl""",caJ!odgp-,, \he undersigned officer (who certifies thaI hefthe ,s nolan oHicer or director 01 PNC.JllItIK personally appeared' ' known to n (or SlUslactonly pr to be the person(s) whose name(s) i. (are) SUb,cnbed 10 Ihe wllh!n 100uument and acknowledged that he/she/they execuled the SIn ter \he pu~ I! cJll)talned. InW' . ':. . ~r~f.~'?lnderset my hand andofficlOl,ea\. ~ ~fr" .Jft'~~if:" <<::..tV' Signalu,e ~'o:i' .' '.~'~~.~.>:jlf"t... ~~. ...' ~ 'P"",'r..:,: .~. '. .' TiUe ......' , F .i$l:.,,$'"!."" - L.af,U*"1Wp.,~ . . '" .... .......:. :"'~, MyCuI"I~.E>cpiIUSMay29, 1 .' _, .,.fir. :,':/~;.' '. AFFlOAVll OF SUBSCRIBING WIlNESS ;~I :P.:..... :.H);'l nOt ~.'J il Mortgagor(,) acknowledged the Mortgage. Affidavit must be ~ken I~. coun 'w er IQ.t1i1e, a notary Q\Jblic (who certifies that he/she is not an officer or director of perso~appOared ..' . the subscribing witness to the within Mortgage, who being duly swom according to law, depo . .." and says that he/she was personally present at the execution of said Mortgage. saw the within named Mortgagor(S) and sign os hls/her/thoir oct and doe<!. and del~ .sald Mortgage for tho purposes therein set forth; and Ihat the name of this deponentallixed thereto as subscribing witness i, of deponenfs own proper handwrilir Subscnblng WItness Swom to and subscribed before me this day 01 ,19_. Nolary Pubhc CERTIFICAlE OF RESIDENCE , do hereby certify that Mortgagee's precise residencE I, Susan Fleming 3549 Hartzdale Dr. Camp Hill. Pa 17011 '~4~ / ~ ~atj Agent for Mortgag COMMONWEALlH OF PENNSYLVANIA ) ) 55: ) . . .19 fJt, in the Office ofthe RecorderofDeeds in and for said County,ln Mortga;e Be Recor~ ~ ~^ . _ .,_.1:<, ~ . 'j,.wt"~'. ..,'.f~it!~~:~:' :~;~: . ~Jf.":;'. ,1'. . (..::'..... !;:1~-':-.::pi..../~.. ""';' ~A'. ,.-.' 1..1 . ...-".~h"l\'''' ..,..' ~.;~. ,,.'f'11 tf": . .., ~,.. ..~...c:...r;r.\.~.,{.,... .a(~ ..:on, . trl' Jr;'"l\..'ri'~ '." '-' '_V)"'! .....~.';:'::l1..~ . :>~,:",,,!'''',,,,,'''P.!i\(1l< '-''C3 ..... . , ~1'.,.T'" -t~"', . . (0' . .,..-:. - d..".. ,--,..,"~.. t- ,." ._----~ -. . ..~ ."' ~,..- ::..... -. - .eo~J'" 'i, "J~:"c.'I';"~ ,.....P..~ ii:""';/.i~' ::;;? ,.~ ,~_.:-..., . .t_,_wF ,.0,... . '-.;i:..-r- ..- :" :~,...~~-~,~....... ~...... >u!::l& :JJ .... W Ul i"i s: o rt ~ ~~.giR J~ ~ ~ ..,~~ i .... 0 .... ....::l Ul U1~8" 8 :>: 'go ~ gj ~ g:;;:z s: 0\' ~i~~ '60 o~ -<", :;(~ ~~ ~(JQ 0..., 0 [I>> '" '" ~(JQ ('l) .... = C. 0') c: .= ~ :.b ~ \ ,= CJ rn ~., ,." '" C'..> c;;, :::J"O'" ~ ,:::JrTl ~ ;r.o::::J 0. -.. 1"11 -f ;;n'&. c.;:J~ C')o~ :::3 0"- ,~ c:om ,~ ::2:mC'> -1m=- 1::C -<cf'Tl = ,Cfl::::J "" l>o Z c 3 0- ~ .800k1338PAGE 309 I DIRECT INSTALLMENT LOAN TRUTH"N.LE~OING OISCLOSU~ES . "~in ." ':;';::',: ,': .: NlItionlll Association :. ,,' ....... Dill. Au;, 13,' 1996 .. ~ ,. . -I. .:t.~. , ',."- . . OLNACS Number 5.384443 .. . :'-:"\'~"":'\;' or. . . " ~ .' I..J 'If ......... mlzallon 0 moun nance Amount.fin.lnced "'1 .~. \.:.,...~..'~ ,,:~~ . " , ........ .~l.....' 1';.,.) ...'\..:-; Stcutlly:underbeeltlnll_ntrlnltllStlnd'PO,l!sor .'" . '.' <.:: ".>;,z'". '. ;':"'\"i:..:t'~;;;'.:'..:'l:' ..1 pnlper1y held b,lend,rand; ., ." .. :;' ~:. " : "'.' 'lab crWi.i' loo 'I HolApplieable. l 'ilf'p'Ym,ntiinotmacle" [ I NonL l J Coeds or Plllperly beinc purch.sod. . within 15 dl" of ib due d.le, Il4rrowellloy be chlree<! Ih. Ies2r " i,"XI R.eat Estala..... . I I ' , . '.... ......'.......... of ~ID.OO or 5% 01 Ih.lotll.m?unt. Ol.~. .P'!~en! whldl II!' .no~. .'. '(I'~ .., "1".- ", ,.. ',.. ftll)d in fulL .').0 '.. .. .. .,..:. . .l;,'" ,. '_ ..-.........:..J1....1.. .. '."!'. '.,. ...... ",' ',' ,. ...~ "- . ,./'~lt't..f!'\i. ~!', ';...';.:.... 'I~ l..~: ":':~''''''..:' ',':"': . -.f:" Prtp.aym.ntll&rrawerpJysoftenfy:BorrowerwiDnothave'ia '~"~Ii:..",......, ,',,". .~ .....1.:..1..... '. ......, !jo""", p,'.pen.1+u ..... ........ , . H...... ... .._~...,'. ." .:~ "~., ," .... :....,....,~ '.;:-~..' ....,....:' 1 "1' ~ ....."";....::.... ..' :."...1lj:.....J.p::";'.1~"'>~. lri iddition, col~l'ral (olher I~..,; Il4rroW.(s pnncip.i r.;1d.nce) Roqulred Dlposlt Balon,',: r .,,1 Nol Apprroibri 'r ',q Th. ...urincolher obliplions lo under m.y.1so 2Cure Ihis Not!. Annu'l Percentlc. R.Ie does no!'Uk. inlo .ccounl your required :~ ,$ieurity Inltt.st Charles: r' ~.... ~..:...... . . .' deposit bal.lnce... Z:";".:-. ,,"~~".... .... ,,:'-~:.~~,. ~"ll_~.I.~~.~ .... [..:)'" ":'l" lFir ~ $' :' :,' . '......:'~:..~.Assumpllon:lllhisI"ri.lsmu"dby.d'w.JIIrii.";;m.;n. .r;: . X . ~ne. .... 1,Ina ees . '. '.' ..,'~ .,.,~' ., '.~' . .. purchasi~~ thallfwellinl cannot assume .~~.r~~Ji!Jde!. ~', tha.lo.IE. ".~~i.f;~:. ~::~t ~r~:~:~r~~~yjnc~~ ilU;. Prim' R~1a PU~~~: ~~'~:~::s:;..i ;~ur~.~ ;ncr';~'Th:';;i.i;;U; ~~:fn~~ more often thin once a month, The rate will not increase more than one percentaee painlln anyone month and will not Incrusa more than fiye percentaee points durine the term of the loan. Thllrate will neyer increase beyond 18%. Any increase in the nte ii i result of .. an Increase in the Inlfex may cause Ihe number of payments 10 increase. and lor. . :: ~;. ..ai,. ".:." . . ..::..," ....;~-;.I';.Il1.~1O!!". ... .... . ,.[ I Ih. .mounl of Ih. fino' p.ym.nl to chanc.. The finol p.ym.nt will nmr be Incream lo more Ihan 15~ ollh, regur.r "~: payment For example. jf your loan Wele for $10,000.00 at an inilialrate of 1311rl6, repayable in 48 monthly payments of $270.75. and ~~ . the !lie increased to 14112" after 12 payments. increased to 15112% after the next 12 payments.. and then remained the SIma for the . te.~ ~fthe loan, you would be required to pay one additional payment of $254.88. .;.~ ~.'~"'" ~., : :~'..::1 ;.. .1"C./;~ . \', ,. !l'. r'~ ( J the amount of the payments to chanee. The amount of the payments, may increase every four years. The final payment will never be increased to mote than 150% of the regular payment For example, if your loan were for $10,000.00 .11 an inilialrata _of 13112%, , rep.y.bl. in 72 monlhly p.yments 01 $203.39, and Ihe rale inc",sod lo 1411216 ,fter 12 p'ymenls, increased lo 1511216 ''''''fIi. rieat :12 payments. and the~ ~ma.i~~d the sa~e/~r,~~ ~r~ 01 the '~n, the pa.y~ent a~o.~n.t .'!o.~~ i~~~~~~_~.~!..1~.~O!,~~.~~~.~:~~i~h' the 72nd payments. ....... .';.. ,....'.,..: .. f...... ."....\ .~...::~.,..... "'-'.'&"'~""1"~"""'1"1' ,;...t," l 'jlf Borrow,~s p'rticip.tio~in Ih. ;'Iomafic ~aimen'I'Plan ~ d~;ontinued lor ;ny~;;;;';:~"Au~aj;~';';y~ent l'G:'O;;"~ntoi . 'r; .'.r"..: ....: ~ .1 ",' .': ~ 'percentage pO;nl:s wiil terminate and '~iy cause the nte to i~cr!3se:An;' increaSe in the rate. wiilc:atis8'~~''i~D~~1 0; , Ih. payments 10 ,"crease: for exampl., H your loan wer. lor $10 000.00 .I.n initial rale 0' 13"2%, rep.y.bl.ln 48 monlhly p'ym.nts 0' , ., , . . , "", ..' . .. ~.. ;''''. :;, ..'~ .. . ". - ... ..'; ..,..; .;.;..... ""!....; if,,; ::1''''; ',;" ,; .:-. . $270.76, and Ih. Oiscounllermioat.d .fltr i2 paymints,'Ih. paymenlamounl would increase lo $ ,.'. '. . : :",,;'\:1orlh. remainder of ':'. thetenno~theHote. '-, .... .,~" "'.: <:.;.;,.' "'/'" .!'.:",.." "':"!:-:-"), .. ..,~,.' ::'.;7";',~';':: ,~f:,"':~;.:t:. ::;" . .See you(contract documents for a~i addlti~'allnfor~aiio~' about ~onpayme~t, de'f~ult. any req'uired payme~t in"full before the "'hedul,d dale and prep.ym.nlrelundsand penalUes., "';.' ....,. ." ...~'" ,.'. . "" ". ',.;"~:;:.;;:-".,;.:;,,,~ (~) ,'i:.'?':::- :.~;:':."'cc'''''''-~'.'' -',""." '.. ';.'. .'.. ,~.., "", '. ~. . . .~ . '. ,. , .... ~: '.,~' $ 'I. .~",. ", ~ ::.'CREDIT INSURANCE IS NOT REQUIRED: CrediIW.lnsuranc. and Credil Oisabilily Insurance .r.nol required lo obtain credi~ and will nOI. be provided unless Borrow.rs Sign below ar '. 'agree to pay the additional cost(s).lnsurance may be purchased on the life of one or two Borrowers. Credit Disability Insurance may be purchased ,on only one BorlOwer.1f obtainr .:' )j'llluch le~der Ihe cosl of th. insuranc. for Ih. originallerm of Ih. credilisstalod below. 'Il4rlllW1'~ who is insured m,y not b.. Co-M.ker. ....\ 'w' .'_:~.,' . . '~'(~'::~. : .'.':~~:':~;:." '.' . ::i,~.int.~ing1; Credit Ufe Insu~anc. which costs $ . .', ". :". 'i;'." " ....., _..... ,".r..<:;' "., ,';',;,.., ...o..'f".". . .'<..: ::,.,.." ."",' "i:',;,~", . .......1'., ......: ,,", ,..~,;;.... 5.>.' . Sienature of PelSon to be insured for Single Credit Ufe Insurance . '.. .~.." .""'.,.' .;,'., , ',i"'.;.r.~int Sing;e Credit Disability Insurance which'~ts $" :"~""':-/~; '.' .,j'.~ ..... ':~i~'i.~'~'1,::";; , ':.r~' .' . ~t ';:.~:;\."-'i~:.:'.;;...~'~~. :~~:_:I"~~~J..,:;.:~:~ '~.,:', ,';,~:.;:: ;,;.,~ ~.'. .. \,,::.. .:. ",~:~t~:. ',':' .. ':: '.:' .. . ",.', >...... Signature 01 Person to be insured for Single Credit DisabIlity Insurance .' .'.:: . '. ... '. ';'" ";'. ~e'!iantj~'inicr~dltlifelnsuranct'which~osts:$ . . '. i .....r..... ", ' ,',..:..., ~;,J ....~' ::.:~1~..;,... :'..~:::.:~.~r.1: ..:'" l: :':::~'...' <: :;J;f;.r.~.i.;.;,;;" ;,;: -'. ,:0" .,,~~.'~ ::'., '. _ ':" T{;'/: .j. . 51 r Person to 'nsur fo oint it lif~ Insurance l.' :'~~",_:::"':';'" ". .;.L'. ~: t. ' '~~, .. , . ~ .. . "~".. ',' ..... ."1 .... \. .... '. ';'11,., .,,:tI. J, .... '~':~'8oIlDwer does not desire or is not eligible for credit insuranc~' . .. . , :!j: "-: '/~' . t';lj '~i" - ~ '..' .'.: l~:; I'" ~ . ..,' :',' ,.:._:t..',:.-._ ,1. . '. I "r_'...::.....~.~..~. .,.,~';:::"',.:'. ~~:).::_J...~ ::. .::.......1 ...~.. . . . '!';i. -..'~' .'l\.;...' . .51 urao Borrow!, "',"'t':':'-"':"iP':;;..:.,.;,,:,,;:'..,"'" ...1;;..... " ..,:,.. I, ....,','!'....:.; .... Notice to BOllower(s): The maximum amount of coverage which' insured Borrowerfsi will receive is set forth in the certificate or policy. as applicable. "'.. ,I . . I. . ..:::. } :,: ~ ',; .~I ~. ' ... '.. . " , , . , .,.'. . . . 'f! r, ~ >;'lend.(s SI~cl"nlerost Insurance: [ J Nol Applicable . I , I Lende~s Singl. Inler..llnsu~nc. is required as. conditio.o' Ihb credit il<!'!"wer can obtlin Ihe i~~~rance from .ri~ . ,. .cceptablelo lender. II obtained from IlJ'nder,lhe cost will be $ . .. . . . . :';': '. ~. ........ .....;"... : .,:. .. c.' ..~.... . ,:,,;' ~.: DIRECTlNSTALLMENTLOAN NOTE .'. ..... . .. .. ,; .,: LATE CIIARGE: r I Not Applicabl.. I";') ll4irovier ag.... thallenderm.y ...... a I. .;-. DEfINITIONS: In Ihis Nole, th. word 'Borrowe.. means each and a/l oflhose who sign below charce 'or any paym.nl nol paid In lull ~hin 15 d,ys of its due d,.!.. The 1.le c~a,!!'. . .nd each and ,/I 01 Ihos. who endo".Ih. check which d~bu....th. ~Amounl given directly b,th.I,sser of $10.00 or 5% 0' Ihe lotal 'mounl of the paymenl whIch was nol plld In '" to BorlOwer.- . , No late charge will be due, however, if the reason that the payment is late Is either:: Th. word 'Lende~ means. E:(h I bIt "8" Iltribulable 10 a lale charg. assessed on . prior p.yment or (b) b,cause, aher delaulll orany person to whom thIS Nole PNeeeBlWiJ!~.rreWational Associiltion B~rrow~r. the entire outs,tanding balance on this Note is due. No more than one late char: -.--........ -.."'.. -. .--" - Will hp.lmnosed for anv slnllle.'icheduled Dayment. ",; " land'r. . PNC Bank, \, ~~ ANNUAL PERCENTAGE RATE Th, cosl oIlh, 8or".e(1 credil... relily rat.. . '; 'J''', % $ . -:::' ....:'.~ /;:'..: ",! S ~WA\W":..; .,. Th. doll" .mounllh. credit .011 cost Ih, Borrower. ,., ." ,..... . ., 4 ~.,' , .. . .,' ~ $'.'.." .... Amount Financed Ihe .mounlol credit provided to the 8ollower or on Ih. Borro..~s beh.Il.. Tolal of PaymenlJ ";0::..,... The amount tht Borro.., ... ~VI I " paid .tler Borrower has midi aU ., parments u schedultd. ......!lii' :,"a"': '," '. :.' :'. '.f '..:.t'~:'~J..;n.i ,~\:I....:." '....,~ ,';,l:It: 'to . .' " .f.,~ :....~f~';:,.l~ .... .." i'~ .t.: ,. ...., I '.~ .. ". ",'.., .' Th,.ll4rlllw.(SP,ymantSclltd.I'WlQbe:'_',-.:-. ~. . ' um r 0 ayments unt 0 ayments ,.. ~..,...~nA',l'''~f: ". ".'\Y.~"'~/'lJ;.C.....~. , :."', .. .~. ~"': "." . .. > .."', "j. ..,,..-....,. ~,.; :imi.nsJn.~. . hen ayments . ue Monlhlv. be innin I ,.~ .' ",' $ ..... '" .. ,./. ,t. ,I' ',-'4,. ., .... .. ." .........,'......;,1..&,....:.. ..' .~, . - . '~..~.-s,....,.":'.'lo.. .. l' .. (3) Amoun! ..tlined .by.under lot .' "~Il":'-..l: ,....~j- ....I,:~..,.;.,.":..+. .,,,,~ See SetUemt StatUeD S' " :.......'<r, " "'., (I) Amount p'id to 011,." on ~r..- behalf' :'.. ,,"...,~.... i'..... '.~". (., to publle .1fICiJJs .... ",.''- .,....r, _ " S '. ,'.. .M ....,.. Ibllor i, ...... , "'r ~ "';,.~,. $" _..:,;110 ~.: "", , ,~..: (cJ to , . " .~' ....": ,.....~.... .... '$ .. ':' ~t,. ;~"7? :.'. ;.,....:~~~ ~~..~~".:~~: .:~.;~::~;.a..~~ i: :.~.i:if~~ ~eJ to :,~..:.: ~ ;;}?~,~..!~:,-;~~.:,. ~'." ;:~~;'., m to, ...,: :.:~~:~.r~.~-";~:.. :...~...'. r)... ':.-'l"" ..>;:; ~. ". "'.. h", . $ . ... ,,~",." "'r. ~. " ~ .t,~" . ::~, ~,:r~'~' ~:;.~.'~;.~?.~ ,) ':~ ;~~~;C ~hl ~':' :1i..:;~.>..:.:',,:~..~1.:.. ~ ~ ~,.'.~:; :~~';,<,.-;:::r2/:.'.1 f~~:"'~' ~~paid finance ~~arge .' ~_'- .~" .~ 'f- '!P', :~t~,:. 1.:;..;;:.:- ~:' ':, ',< :'~~::~~:~!. Il,mization of Amounts p,id by Borre-. ...... .' at the time the ,loan is made: (I) '."... .... .".. S. . . :See: Se~Hel.eotStatel~nt ~! . ::"{(":.;I/~:: ";<.'.: ~.::~: \'~:~~~ I.' ... ......,.:.:'d ~ ~..~l',l'". ;a.llJ Uhf Ol~ol.:nl tttmlnJled .Ilk' 1= pJ)II!enu. thO PJymcnIJro,tu,,: "~4;" twlN.- ill S .. \0, l':'~~O!"".Hotl';':,~:.'~~"'.~""."'.;~".";:':.""I'of' ': ".,' .... ,," S of " -,"""',". ;,1, .~I JOUI contr.ct documents for any addillon.llnlorm.llon ,boul nonp'lmln~ del,ull, any IIquilld p.ymenlln lull befor. I~' IJI . ' ,.' . . f' I' 't I"~ :~ scheduledd,lt..ndpIlPa~ment'efunds.ndpenaltles.". .",., ..' :' ./'f';" "":~'''''''''''.::-.~,~.'':'' .'1 ..lh~}~!,...t",. "J _ S ........~,... ...111.1..':';"..... .;;jc;iDir INSURANCE',S NDriIQUIRED: ~;ij'U;e'j,;;u;anii .~ Cl~dll Diubihl; 1~$U'~n" .;. nol '!<lUlled 10 '~bUin;CI;d:~ ini ,;~ n~t;" provided unless Borrow'" s!1l16elr. an ~~:lrrlllD P'J thl .ddilioll.1 ...1('1. Insu"n.. mlY be purch.sed on Ih. lir. of on. or Iwo Borrowers. Cr.ed'l O'lIbi1,1y Insu,,/ICI m.y be pu!c~~sed .on ~nll on. .~'"",II. II ~~In~ :~..~~h ~,~~I'~' cost 0' ~~.~~sut!nc~ !Ot the oric!n~l.lerm.~f!.h ,',credit ~s staled bt~.. ;aor,rowet' w~o IS jnsur~ m~y ",01, ~. ~~~~". ..'. ~ :;~~X~~1~~~:':~, ::.j.~~:r-~~; r:, (: J.inlSindeCreditUf,lnsurancewhlchCGStsS "~:.;:.r,'I:.,!,,'!_', " ...'.' , ",'" . r. ,{..........Ir' ./'.... I.,~I~.JI . .' .~":..:...' ...... .0.. .... "".M' . .... .........,....\1, 0' ''''s; ,~ to~ ~'I..SiA...Ctldau:.Jnwranta .~....,.I..". .....~.~.l......-...,.,. . ~.b~'J...,.... . '.:w...... ~:.: ':":"'~": _....(.J,.:~.," I.L." ".,nIIUflOrll:"rlOn ""msurcu .'...., "'.' ,-, .7..,:.\~"t:-..:...,ar..t~"~1,j ~''''''. ~.'-.r." ." '. r" , I." ....,... "'r'O' "... t.. .. -'.c-. '.... '. ........ - ",.... .,. .- i....,' '...~..... 'I......, -.;.':- ~'H,"I;,tSlnai.CreditOjSltHlitylnsurinCl.hiCb~tsi ."';I.:~~.n'''.''.j''''~'''';'::'''\o_~. ,ro. ,.,..' , .....J :~;1"~'t'1o ~",ilr.~~~'it.I,,.,ll1., u~"'''W:''l:....:....~: .... .B:;ttl~~ '~l .;r'l: ..' . .;,',1 ~:. '!,''', ;"':~j; ..... ... ~~.. i ~:""';~"";'~' .'j.tlr..:- : :.;.t',l$llnllufnl rcr$Ol1 to be insured lor ~.'n&I.Ctedll Ois.abill.1y lnsu ranee '~:.J:".....,. :.'\\'t''iJ:iioIj''':'''.~I, "l'~" ~~~ f.' .J . I.' ,,".' ~"Ji" . ' ~'. ....4,....... ".,,1. ,,, .,.... r.' J .. _.... ... ,J.. ...,..;t'........!'l...."",.. ....1'..."...1. ...,.Oft ir, .. ~ ....~.. i .'. ' t.~I............_'......~........'..".f..,.....;.::"l.......".~'..../l~..............,1'" '.l..p,:..J",;r.......'\.,.r.;"....."J.... ..... '1;" EI.W.w.ntJoinICleditUf,'nsurancewhkbcosts$ ..:'..,,;..;....I.~'.. :,,1 .............,....' '.' .~_~ .."..1 ......,..-,...,....- ...,.......... . \ii~ttr;:...).~....>::.:-C ~ ~'i"'.; ':;t!!~J_,,~~~:-;A':;~'~Pf;;'''' ; ~~..' ,SI r , non to nsur I oint U!~ l~~~ "'04+:i;~~'~, ,;:.../I:~l~t~J:~p.:j~\,~.. ~. .'t,' daesj,'oideurio~.Is~oteii~b~ior~iti;Uu~ne1'!' " .. . ,:.' :.~~~}::J"':':.;..r~.-~;;~..~.~~~'....,IOI!'~'~c,. ~~1j"~ 1h~...J...'..'.'r...'.~ f"",'~1', I ...........'." ..~...{, ,.' . .-.,.. .,..,.,. t"..,..,;ol.P~I:.I..'.\...:'u.~~~.. .~~... I "ilfU;:'-.r~C',~~r :.~ ',~. 4.~<:t;.' ..'........1: I,,\'.:'~~ ':;:~ I)u.~;~ ,~:,~~,,~~ ~...o! Bor~~~ I'~..f ;"~tj.i"'ii+:.;.lr:;,~,!\.:):f'r.~"4..~~.".."r,'i~~,~. ,,'I/.~ a~"~ ~~o.w'.r(s):!h~~~.l~~~ ~~~~t af cciv~~PJ~~~~.~~nsured Bo~,ro~~r(sl '!,~ ~ece.~'...~,~ f~~ i~ th~ft~~~.te. or, ~Icy, ~,~PPI~bt... ':~'.~. ~1'2..~t~~~';\I :.to.: ~ .~.. ~!~ISI.n&l.I~t."st Insu!'",,: r : ') Nol Appliu~~ .. r} .IlAnd~(. ~i~~~ ~~!o:t 1,,!,!"n~~ Is~u~ ~ I con~~n o~ th~ CI~~, ,!".":"":!' ~n ob~in th~ ~J: '., ,~,l~ ~~bletoLender.uObtalntdlrom\inder.th.costwUlbe$ ",::,,::,,'I-lj~" ,", :-;:.~.,.'..-;.-::.:..:'~..\. '~.,r~;'''''~'':.J:'''''' ";l' ,,,;,.\,... ;':"':'T.''t ..:.. '~"':'T~r,t;..::\(.~.~ DIRECT INSTAllMENT LOAN NOTE .;ii.:~.:~;;.:.n~~::..:.,.,;,. ':'''-''!J.:.Mt.;fIli;/iAncHARGE: I";. NoI'APpl''';bli.I;i~1 Bomnier.~ thl! Lend,'...;....... i lal ~OEflNmONS: In this Note,lhf lOlId 'llomwer' . .means lit/1'lricflU of those who sll1l be. 10. w cherg. fo, .ny poymenf not p.ili in full 'li!hin 15 dm olils du. diU. rrll/i" '~IIif" hod each ancl.D of those who endorse th. checkwhlch.dlsbufSOS the :.IIIIounf given dire<1ly be th.lesse, of SlD.DO 0' 511 "the 101I1.mount 01 the poymenl which w.. not poid In 'u. . ~... JD~r"'~!r:!- ~V'. '''~;''''''''i'; ,~':,;.,.:~hw.1~~~~'!tri't;.~,';..:{. ". ',; -7,..... J..,.....,:t:w:.;~Ho late ch,trle wiD be due. howner, if the rusan th.t the payment ~ lata is,'ilher: f .~tlhe.word Lende" muns \",' ,.rt~.:. :',:;ai'.',1.:1. '" h:'.":!t:ci.:..~:~', ::; 'i::r> :~~'J:.t..i. ~., IttributJbl. to . late chaflll'ss.es.wd on. prior payment Dr (b) because. .fter default t . '~fny ~.non 10 whom.~1s No~ ~~lHDle,"'I'Iationa'l : Association' Borrow.., theenllr. outslJndlnl blls/ICI on this Ho~ is du...,N~.mo...tha~ 0;" lalo ~l ,. ..,..t"'" .. . . '. .. . - . ..-......, ".'" ,- ".,. .,..' ..' wUl be Imposed loranys!n&!escheduled poymlnl 'd..:.. ...'t.~;V....!;.~Pt~.;: : ~~,!ORR~~E~~!~OIlI~~ !..~.t'Y:.IO "p,~ th." Iotn, Bo~rower'.pro.m"'. 10 p,y 10 lAnd.r; IIDNIHLY PAJIIENT CHANGES: . '. ".,,;~ ". _"~" ': .....u · "...~~~",.", . fif.a.~......j(:, ;~..j.:: - ,~...~. ~: \" ~.....w!th. !nt!r~ aM" ~ll ~n~id. ~~n~ froT. !h~. ~te fll.n~ '!~ .,1 ..1 Th. payment .maun~ wiq ~otcfl~.n&ll ,ov...e; .the ~rm. 01 ~e ~a" ~~Jl ~..~~ ~ ~U 4. &d;i/AiIllUlIll9.Qlln full Inl.rest ."'11 be poid It the "10 pe' onnum 01 :rJi4i-'.:;-"'lI.. 'I'Jrm.nl Schedule:.. N: '.1.;11' ,;-;' '~"V:'~c :, ";...t: '. 'l:~," ",....:,i'1'..:.....i~~ ?~Borrower promises to IIIJU paymenb in accordance with. the payment scge;r11!5cfaitd in ~,~.,;.~".t.r'~' ,,.~.:!"'t.~:.;.l'1ll~'...:"!'~~ -:. \,.!t.t:'1"n.:N..t.~f,~@:.,"~lTI~' ~.. \'i;lhls..Note. Borrower promises 10 pay III lAnder .11 olhe, .mounls which m.y Dicom. due [ ) The poyment 1_ may ~ ~ -1erJnIf!I1es participation In lhf autlllllll I.UOO.. the term. 01 this N,I., IncludinL ~ Ippliuble, loti Cherges .nd eo.ts of CoIleclion. paym.ent plsn. lA~" will determme lhf amount 01 ~u~1 ~lhJy poym<rl~ lhft '!'O'lld I fl9rr...., ""'" to'inake llIymenbltth. pia.. deslgn.ted bJ lAnder. Borrower m.y .Isobe sutIicienllorepoy 11 full, by the Maturily !l"lo,the lmI!"id prmapalbllsncethtllS~Ill.1 ~~'requlr.d III p.y to Lender cortl.i.n .'ther chllges before Lender will give inym,n.y 10 . du~on =::m ..::r:=JtJ:: "m.:: :~~ ~~ :'~.1S =- ~ Bar,rawer., Thes~ chanies. If. any, IrB stated above in ~lIemlzatlon 01 Amounts paid by ma.e. .' '.," ...... '. .~.... t.., ....~I'~....::.~.. . ~.."......'~~;~' ~&fIOWe"\ th.. time th. r..n " m.d.. and/o, Inthe SelllemenfSUlemenl' . . ~~. .~.. ".;' ~I. [ ,) Change> In th.lnf2rest 11!. may allSe th4lfum1ie, of poymenls ~ cnlnge I,iii)or tt .~ ~).i~~E~~C.~~D~L~.~ ',;o+irees :'.10 ~r'~.t.nd;;~~'.~~u~tsdu~:~n;;;;;'~:~',~<~~ o~~~~~:, ~~~.~~:.~~~'::.Ih I~~.~n~ mthaan:~~~~:.II.~y~ :~~r::rIlO,:,~'~ :r~..; '~1'" ~~"I'ln"u' n"I'te ' .. I....... 'l'h'l ~. .l....~..'t..,f.'~.~.:-:~,..:. .)--~... '. ":';'\.J'L.:;'~ "f,-,:f~. )'.l.50"ofthe prevlOusJyscheduled !f'Onthly payment '. "',-::, ~'4~~~~~Ji~'.'Zt\.;.;.'-: :i~ " . .; "" n rrupu:u mon y paymen~ :. ". payments 01$ ...; ;~~.~'.. .' - ..', 'J> 'f .': .: '. ",~.tt;"'''''i r /.. .""....I(:.......~....-.~.;. "'-....~i('~'.;,..':"':"'i:/ ;a:J~~ _~:~n.liiyment,. which will be, billed tl&~der...~.i:il,1 rem~I~~LR1ga~ .mo.~nls:.:?{:.j~~iA!~iis1n thellnterest'!a~.~y~~U;r~~~:lotpi:m~n'U~~c~~~~~~i~u )!!jPaJ!l1entswill be due on th. ..me dlY oreach month .brting',o" ,': "" .'! '~:;:;<. . c'. ,,': .mounlol h. poymenlslo Increase; the first chlngeln th. poymentamount may OCCUf( ~. ....".. ." ....,. "" ,.,.... ..........,. .H; :-.r '....."I:..!...' ,n,...a d.l. 48 months an., th. due dalo of th. firsl'monthly poymen~ subsequent ,"'ng... .~JmenL1 ~,II continue untilall.mounts due a.. paid. :.: ..(,.~~ bep. 15," 996 .!pliuble, will OCCUI...., 48 months therean.,. Not mo..th.n 45 d!J$, but not ~ thz .;,r:.'llnuninterrupted .nonllily payments. eieept for ~ ,jj~nihs';i;~.n'. '.' ;'.:[$ : ';'rmenii~ 25 dlys, befo.. the dote of each poyment c~ln... lAnder wOf ulculate th.. new poyme' :..~I.' I . Jot" . . " ~.'. .' . _ " __. .... ". ~.;.... .. .. 'amount The payment amount may lncrwe but will not deerease. excepl for the fin ~of $::."".~~~.:~' ..:.", ~l'"'' end. final poymen~ which wi~. be billed by llJe lAnder, o!.p p,y.m!nl Lender wl!1 delermin. Ih. amo~nt " equal monthly P1Yfl)enls th.t.ould I .,.,r.!mlfnInK unpaid amounts. Payments wiD be dUll OR the same day of each month stirtinion 'f, sllJ1lcltnt to repay In full. by tbe Matunty Date. th~ unp.ld pn~clp'al bal.nce .that .; ~/lt' ~;.~_;... .,"', . PRO" . -. .." -" ,. ' . .. - expected to be dUl! on the payment chanre date. at the mterest ratetn Iltlect at the timo It ~'!H"~"': .' ".: ....,. . VIDED, HOWEVER, th.t no plyments .h.n be due during th... ulculallon is beinl m.de. lAnder. wur nOtll:! BoflOW!" of the n... .mount of tho poym" ;wit{ionths Df_ '. . "'. '. .' ;;4' ~........... .~. ~~ 'f..:'" :r;;~. t.', ...... ...::. -~.~ .:, : "," . wbich is due. One month before the Maturity Date. if necessary. Ute number of paymen Hf ...... ,':,:': ;:'~ ,-', :..~ . . ~. . . .. ':.. /':, ~..' .~:......';"~: ..~7''''' ': ::"'" ~.:.\'),.-",<;.~J'!:~, due will increase so U1at the finll pl,me~t w~l, not be mor~ than lSq" 01 the pre:nous .~~........~.:,../..;.. .....~.. ~ . '.. each year. ~:.~ .' i' ..S....,~ .J" .scheduledmDnlhlypaymenl',t,., " .'./..I....,...~..i':t~~... .:.~t,..-fIo.... ,'...,....'.- t.. ,[ _I" '.d t f $ .' ",' .. '. ~~',..': 0..; '.' ':'.' . MULTIPLE PARTIES: II therll is m~' thin one BafTDwer. each Janes to be responsible ".-, n;,; In un"e paymen 0 ~.: "', ,;; '._' plu""'rued In"".tand oil other lAnder Individually' and logelh.t , Plymentln lull of thl1 I,an. &"ow.rs wee III ~Imountsdueon. ..' ,'~".." " . ,-l'.....p.ymen'IOlallor artoltheproc loIlIUtNotetoanvBorrowerortoanvoneelSeattt ...._~ .~: . .... - '.". . .:-..-... :. &; Ilbd rqUlvllmtafpaymenttoeach Borrowerlnd forti ~l[.,.;.:.lln addition, prior to the month ol,the firstschedult:d payment as stated above, interest .~~~Rf~f~~laGJrrc:~::~~' '-". ....,.,. I . ....... ",".. .. .....,." ....., .:Jhall be payable monlhly on the unpaId blllnce and sh.1I be due on Ihe ..me day of th. THE ADDITIONAL PRDVISIO~ ~EYERSE SIDE ARE PART Of THISNOT, '. .month IS th. I.", plyments '. .' .." ., .'. .. .. . B ER AC' OWLEDGES 0 A COIIPLETELY FILLEO.IN CDPY OF THI ,,<. .".'. c' .- !."':.:,:..... '. .....".,..,.., ...,.....,.. ORROW .N " :tI: GREES TO BE LEGALLY BOUND BY ALL TIl .~.~:~~~ ~~::,t~f'I~:~~t~.ymenI~' scheduled In:\h~,.pr~g'~~~I?b:!.d~~J~ f..I!~ !~r;mi,sBMGcNJ:G BEL3rb'~ . iIf ".Ea..h 0 . B ,,0~~.~J~~r~~;,~1.~ll, II ''''~ VARIABLE RAIE: [ J Not Applicabl.. :.[ ) Th"i~iere'sirlle Dnth,'. Not."m.y c'h' .n"'ge" .Ignal..", , . ',. " ., ;;":.t,),,:,:;:;: ,.,. .. ~)>ssed on c~~nges Inllhe Interest Rate Index. Se.the 'C"'nges In Interest R.te' ",,1ioII on . ,. ',:,~:~!>'-.b" . . ::!.,. ,:,,:,'Ih,! ~~~~ S!deDfthls Note. ,..' . .. ..; 'i;~~' }...1..:'. ':'~;' . ;~ .......:::' ;'..~:~:.,~~.J-: . . . ...-':~~:'''''~~' ~. Bo~wer .._ .~. ate ~~':-"" :o~.... J.' . ..' -".:: ':..:"";'.;\:,....~: ':, ,;.~:,:...~<.'>:,.'. . '.'. ~"':) .:,': CHR ST HE- "NEST ' . ;;.'. '':.'. .!.......~.,i'...;.it~. ~:\AUTOIlATlCPAYIlENTPlAN: [ IN'tAppllcabl.. .,:[ ."JB~"o,;el';~iho'l;esLender: .' .... . . ....:.:;;.,; ;,"":' . :'1'} *~t~ de~uct the payments ~n this loan Irom BorrowJi's deposit account number ;'~.. " .. ., .......~ . .':...; H~-: .';V R. f~~~t~..! ,'. "', .... 'Dn each schedu~ 'pay~~nt 'd~'~~date"The' jn~r~i 'rate ~~ :th~7~n' " . ~..: , .,', ; .~~: ..r.;~...':_~...-.~.. ..~...;,: ..i~:.;~t:;b:"~' ~..i{ ~~~fe.~.~;,;~~~~~ '~;;~~~i;2B4 ....;.. ;percenla.e P'!lnts rAUIo~.tic Paymenl Pian Di.ccunl') ~ :;c~8rg;.!iEt N~TlfI~ . An!S.IiN TIlE 'REVERSE SIDE:.AnyBo'rDweiwho "'. partiCIpation In IhtOauOlhtic payment plsn is discontinued for any "lSOn Including (.) jf. k.!'w.ifty ,espol1Slbl. w~h all ,ther Borrowers 101.ti .:." .ny B~'rower c.h'oles 10 terminate PI.rticipotion; (bllhe depo.ij .",ount Id;nlified .bove Is . des'ina~f ~~ leo.Ma~:~~ml III ill ;ro,"~ .I.~t,hi~ N.'1e. J :~':'od~,:i!-~;.~.~ "cID~ed, Dr (c) If there are not suffiCient funds In the account to make the lUll monthly pay.~.en.o., oa~.., "_'. ,j. ..r;:: .'r..' 'v;:,,:: ...'.~~.-l"';"'(7":'~':~.r'~'\T:~:;1 '~~~"'.. Yr.~~,~e.n~, ~~. ~~,~~e p~ym~.~t dat~ ~. ......, ;:r ~~::.,~. ,:~,'~,~;f:~~-"'~ .'; .... . "'~:J"" -::.: _:.~..("+;.(.~~::~~:~~~ ::.. 'J.~ ..~'.'''''':::::.~~ ~~,-;:.~ .",.~.:"; ,:;,;,~ -. ~::.; ~:"..~,:::;.,:~:~2:~!;:.;\~ :<,:.nOTlCE: SEE REVERSE SIOEFORJMPORTANT INFORMATION "... . .... '. :.:i;.' ';#'~":L, .~~~t~.i'~',t%Jf:.'....'.,..~~~ ODCIOOOOOI211IRn,4/961 /}p Co.Maker Date ""., "~, '.1,'.. .:"......,:.,f:<". :',' ',' \" ~.. ;.,:..~_",. "~4" -,-'r':.:, ',:",~: '.'~ :.', .~- ..:~; ....:1..f ,~.' .'.; ...-....).t~....:....,,;.....I' ......~'....(~ ~1 .,11......... ,'.'.... : ".:l+.,f.,..............,... " ,....,.., ,II'. f .,," '. "." '...... ..,.' ......fI..... . I ,.,' . \ ~{~"1't,:'.~':'-'."" ..d..,~"".~~ ......"":-:.y~..>~,~ht:.:'\I'...-I,;::ADOI.1l0NALf'ltOYISliJ..IiS ".. .\',.' ....., \;; ...., ........~ ;';'. \ tHAllQlllH IH!IIISUAll: 1I1!1t'''IIIffi III. OIIlhi.llPle can'~IOC' bll.donch,"CIS A d.l.ull by Ilofrowullllllo Halr.ll. dl1"UIl.IIl/y otMr.c.le, ~lJlj)( .,ro._I' In Uti Inl.lts! R,te Irtdl. rind..,. tht lt1e will b. deltlmmtd by .<kiln. ,'M"tln' tD ItI. Rorro'll'f"nthlender. ',,; '" I. ," I ',' ., ';", .' '.:.:' ,.t,' . .. Ind.L Th.lndll m.y ,hlO,.'liomdTnno bm.;lh. M"cin .,0 t.m..n lh. ..m.101 Ih. "QEHlRAl WAIVlR PR01lSIOHS: BorrowII ."'11 pflltnlm.nll~r p.ym.~~ d.mon ; , .term 011'" loan. The 'nltrollllle IIIIod In Borro..(s 'Prom'lIlo P.". is Ih. 'B.II R.I... . protll~ ",,11<0 01 ProltSl dilhonor .nd 10 olher noll<lI or d.m.nds ,n "n_n .ith II ';i"~h' B.lI Rile .IS "mput.d by .ddinl the Millin to the oll,in.'lnd.., .nd Ih.n, ,I d.~"ry, ""plJnce, perlofm.n", d.ll.uIt or .nIOl'tm.nl 01 th'S NOI., .l!'nowlI fo.lrth' '. hBiJnowlI b p.rtlc/patlnlln Ill. .Ulom.ue p.ym.nl pl.n, subt"ctml \lI. .mounl 01 the .. WIIV" .ny nlhllOleqwreduodliJlen<t IO<dle<lJon byJ.nder, .; ;''''i/i,,l.l rl' "< t ~~I;AII.f!lmI~.Pa1""n'-"11J\ Distoun~ Inlllmllta odjuatmlnb." _puIIld by oddinl \tit '. OUAY IN EHfORCUlUlI: l-* WI delay enlolt1nllny nlhb un er lhis""'liIUlo L:Mifil" ,..Ih. .unullnd....lllle tim. 01 \lI. .djuslm.nl (subiKf to the lim,IJUo"s ,losIn,.n, rilhts. llnd.(S 10...... ..kIrte IIrJ rilh! under lhd Hota WJl td !d IS ',;dUaibed be'") .nd tn.n,UllorTow., Ie partlci,.tnc in the .utom.tic ...,m.nl pll~, ,11'101 olINI nlhl..prodWe Illlflf_.11lll1 "Shlln tho ....~oll lulu(lOWll11/1l ", ~ollht.....!II 01 Jill AjlIIlm.\lc Paym.nt Plan Otscounl Th. inl>fffi "" OIIlhd oIth. pm. ...nllender can .1so.dInd Ih. bm. .11o.ed 101 m.linl...yrnenl1. .nd SIll , .loan./l!.YlIIldj\atld.mon!hly, bA",.lIm "I<oder d.y 01 each c.,.ndar 'lIonlh, btll..inl '.' ..tension sh.11 n,l.n.et nll ob~I'lJons ol.n, Bon",',..llIllll' or nolllllt.Bonowtr .J In th. ....Ih .Iter I!It lunds erlldYlII<Id. Ib.lnd" b Ih. hich<St Pnme.RlhI ~ubhlhed in '., I".n ^ell/I 6IIn"lIenlon. . -.".". ,~...... -_.~...-. ~..,.... n_ . '''',th. 'IIonl' R.lel' stetJon 01 'h. W'" SlrHl )ou'"., I.. !he lilt d.y 01 Ih. p''''din, . .. RHEAS[ OF SOME BORROWERS OR SOWE SECURITY: II till" it n)ore .Ih.n 0" Bo"OI' "';c.Jend" mon\llwhich Is reported. 1I1h. Ind'L or Ih. Inlinn',OOn on whi,h rt is blled,lhIQ._. :each 'IIIIS lo rom.ln bound by this NolI,/lthoulh l.nd.. l!IIy ,,1<"'.Iny.olher Bono. ~.. . ,'two1D be lY.illble.Lendll.sllaO seIed. new Ind" which, in lender's SOleo.PlOlon, upon..' .. It rolme or subSblull.ny proP.rty,'h"h Is seculit,l.. \lI. ",.ym.nt., lIlls Hol lllI1lblt sisis:'ij b"n~rabllllllll. .I",!u, 1)1. '''lIIllnlllest "II w)lI.not in,!",..r ",' Borro... ..lves 111 d.f.nses blSld oq surel1'hlp .nd Imp.lrm.entol ~",leral or.SlCurity. ," . III more Illln on. "".nlele polO! ,n .ny one eol.nd" month, 111d'w~ nOlin"'III'.",- S[CURITY INTEREST CHARGES: Bo""." .jrees 10 payony ritbid,nl. fiGnl. salJs4dlr j,~''OId'''Ill' more Ih.n n.. .."enlll' points 'durlnllheltfm olth. /o.In, duelo.,h.nllS In .':,.Ind ,ncumb""" lees.which m.y )lIJhlfled, Th. 'h"llS !re to r~pa, Lender 101 !h.el. ..... ,\tit Ind'L lA .'honle e~used by I~fmin.tion .01 Bo"~.'(S p.rticip.tion in the .ulom.tic . ~~ p.id lo publi, ollid.ls lo prolecL..~~ti~~.,-,!.!!r~!se !!'1 se<~r!'!l!!I!!~ .d_~.!!," ~ll')'I1l.nl pia, d nol subled lo the ,timltallons setiortlt ,n th. P"VlOUS senltnce.) !h....u.1 Secutitf AIII.m.nt Of Morti'le. .....' .. :. '. " ,... ",.,. :" .: ;.:.. :.;. ,;~lnlerestnlew,a notm.ed 18l1. .' ...... > ~ .,'.' .' , .F' .', . ~ PREPAYlUNT: Borro.er m.yoropay"n lull Of In part.lhllmount'o.ed on th~ Note.ll '.:.~~mlNG IHJ!R[S'(:.I,nlt!~1s d'''led ;;~d';li basi~'.eCo';di~ii~ thi o;tiiiiidinl '/ time wilhout penllly.1I Bon..er pII,,1S Ih.lo.n In part. Borrow.r'11/lOS 1I1.C.~Iin,uo ;" balanee SUDJI(t 10 interl5l on each dl' of Ute /o.In Itfm. Th. d.dy inter';l rale ~ equ.' /0 'm.le IIlul"', scheduled ,I,ments unbllll.mounts due und.r th~ H~le.re ,,!d.' 1 " \tit .....lIntllest rale In .Ileel on that elIy divided b, tho numborol dmln Ihll calend" . ~IF UNDER DBTAIHS A SECURITY INTEREST TO SECU~[ 8DRRDWERS PAYI/ENT O~ Tl/ 7f; 'year. _'IIM' lllal beca... Inllll3l Is c.a~ul.led 011' d.ily b.~s, I.te ,.,m.nb will ... HOTE, BORROWER ~m THE FOUDWINO AqOITlOHAl PROI/ISESJl\ LEHOER: (.) .~.. resuK In additlonlllnterest l'nd. if .pplable . IOle ch"c')' ..rty paym.nts WIll resull in ...prop.rty mluranee ~ roqulfed by . mortl'I' Ind/or secullly 'I"emenl SlCurinl I i)ess In.!efm beinl chilled. II \lI. Interest rite on this NOI~ will not ch.nl' btcause 01 .. ~ "p.,ment 01 \lIis Nolt .nd/or ",Iood Insurance is requifed ~y led.r.IIOi', ~RROW[R lot '.'. thanllS In the Indlll'" the 'V.riJbIe R.ta' section), earty .nd/or 1.1. p.,m.nts .111 eoUII' OBTAIN THE INSURANCE FROM ANYO~E OF ,BORROWERS C1jOICE.!u.blecl to lend" "4';.lhI amount 01 the final p.ymtnt to thane!. If the interest rate on this Note tin chani! . reasonable approval. If Oood Insurance I;S reqUired, BOlfower has been separately noOO( ~"USO 01 ,h.nllS in th. Indu(see Ihe "Vari.bl. R.le' mlion) IIIly .nd/or I.te . .lbe property insuranee must coyer Joss 01 or d.m'lelo the "ilOlI"l.nd must be In ;/Plym.nls will cause th.number olpaym.nls due, the .mount 01 the p.ym.nts Iii Ihe : .mount sulfidenllll protect l.nd.(s Interest nood insuranee must b"o~ ,!,e1ype ind In:t .~:' .mount of 1/:. p.,ments d subj.d to ch.nle every 48 monlhs).nd/or Ihe .mounl olth. !mount requllld by led.rallOw; lb) Bo".." '11Ies lo proVldeLend~r M.len<e 01 reqwr li'l.lIn.ll!:',m.ntt""'nl~ . (.;'; "~;'. : '+".'c '. .'. " ...... '.' . .;msurane~. All pol""s must nlme lender IS . loss P'1"~SlCured "rty ..pd must P'9'" $"'PPUcAlION OF PAYIIEHTS' Lind ...o"" . ."" '. .! .. '.. . lor .1111$110 d.ys .ntt.n nOb" lo lender 01 fedu,tJon ,n "v'''if or cancellOtion: Ie; ~,;.; Interest. tate char es' J~ er w.11I ~pply payments In the rollow!ng order ~l pnonty: . Borrower fails to keep in force the ~uired insurance and/or fails.tb provide evidence ~: tis! ctio f h~ ,1edetS. d th~n principal. All r~gular payments will be applied to the such insurance to lender, Lender may notify Dorrower that Borrower should purthasll t;,::~ anD sc u payments In th.~ order In w.hlch they baC1lme due. .. '. ),.,. ._'. '''1'': required insurance at Borrower's expense. It Borrower fails to purchase the insurance witt )p, W.AIVER BY LENDER: ~, Borrow,er has made or makes in the future another loan agreement . the time stated in the notice and/or fails to provide evidence of such insurant! to Lend ?i)rith lender. lender mlihl obtain a security in12rest In the principal dwelling of Borrower or :...~ lender may purchase insurance to protect lender's interest. to the extent permitted . :::someone e.lse. to secur~ that other loan agreement That Security Agreement may provide .1 applicable 13w, 3nd charge Borrower the cost of the premiums and any"other amour ,.,,""1 the pnnClpal dwelllnl.secures nol only th.t olher loan alro.m.nt but also all other loan l.ndll in,ulS in purchlSinl the insurance. THE INSURANCE lENDER PURCHASES Will. i::i 'l""I1en~ 01 Bot!o~er .Ith lerder.l.nder waives (gIves up) .ny filht 10 <Ilim a ",uflly . SiGNIFICANTLY MORE EXPENSIVE AIIO MAY PROVIDE lESS COVERAGE THAN INSURAN . 'f IntlflSUn th.. 'flnClp~1 dw.llml 01 .ny pltson 10 secure this Nol. unless Ih. secufily ;.. BORROWER COULD PURCHASE OTHERWISE. Upon d.m.nd, Borrower promises to p "~;~ ~ntereshsspeclfical!y i1Yen to secure. this Note. '. :..,>': ..I~;~': .'~.... ~ ''';;." ";~., .... :., .lender ttle cost of insur~nce p~rch3sed an~ other 3mounts incurred by Lender. 80lJVt .i.t:JHTERESI AmR IIATU~ITY AND JUDGMEN~: UnlesS prohlbit.d b,.ppllcabl; law, Interest . ~Cf"S Ihall.nd" .may, of ~erm'tI.d by apph<able I.w, add the .ccst 01 tnalns.u"",, lo 1 =?:;It the nte provided In thIS Note shaU.continue)o accrue on the unpaid bal3nce unlil paid in .I~:amounts on which mt~rest IS charged .at ll!e ':3te provIded In .thlS ~ol!.17~der.ma)' .r~1 .; ;,ful1. even after (whether by acceleration or otherwise) maturity and/or if Borrower becomes' reasonable compensatron for the services which lender provides In obtalnml& any reqwr ~'. I debtor in an action filed under the Bankruptcy code 3nd/or if jUdgment is entered against ". insurance ?" Borro.wer's behalf. In cert~!n state.s. the requir~ insu~a~c~ may ~ obtain I ;;:.~rro:werfor the af!1ounts due. If ~t any tirne interest as provided for in this paragraph is not. .~thro~g~ a'lIcensed .lnSU!ance agency affll!~ted With l~nder. Th.lS agency w.1I1 receive a fee . ;'.' pe"'!i!le!I by .~~,mtetest:~lll~, Ihlt e.,nl and .t th.t time, '''fue at the hilhest ral. .' ,Prov'dmg Ih. req~"ed ,"sura~ee, In .ddlbon, a~ .lfillale may berespon.~~I.e lorsom~ 0( ~~ IiIl~w6d .tI( apphcabl~ ~w.lr (he Interest rate on this Nole can change, the interest rate " of t~~ und~rlvmg l~su~ance r!Sks and ma~ r~elve compensation f~r assummg such nsks. ;'; ;WhiCh Will apply beglnnlng.on the date a lawsuit is filed by lender shall be the interest rale . addltlonal mlor~allon IS required .concermng ms~rance or our aff!bal! arrangements. plea . In effect on the date or the Interest rate stated in the -Borrower's Promise to Pay' whichever Ctlntact Centralized Customer Assistance, 2730 Uberty Avenue. Pittsburgh. PA 15222: (d) :.~.:: bless.. ... ....... ' . : . 'M M '.. ;:~ .'. r:;M..".: : .' ;..' " ':: ;.i "Jay 311 tax~s due on th~ collateral. If Borrower daes ~ot pay the taxes. lender has the.optl .. OEFAUll.1As used 10 Ih~ paragraph Ihe I.rm .Borrowe~' I dB' Co M k . . to pa,lhe taxes, Upon demand, BOffower promISes promptly to rep.y 10 .lend.er · :',;; '~uarantors, sureties. and any owner of ro rty whi h"' m.c u es .orrowers. . a ~~ . amounts paid by lender foqaxes: fe) ifle~der gets a security inl~rest in stock'or Securili '~_',Iie In d.llUlt.' ':.",' '. p. p. . c ..'s secunly lor Ih~ N,oll.) Borrowe'.~'". q. the value ollhe collalml m.y become ,"su!ficlenl to profect lender. II th.t h.ppe :;,;.;:-::(a) if BoirOwer~ '. " 'k .... .~. ;. ';, ", :.; "'.' . : ....:. -. " .... .'. :,~ .:.;. Borrower agrees to deliver to lender additional collateral which Lender .believes'will :;.'..' 'lBo oes no ma ..ny paym.nt before Of ~n the daJ. it IS due; or . .... . .',.," .nough 10 prolecUendor; (~ to .1I0w lender Ih. right fo inspecl Ihe "lIaloral..1 a .:.,..:_ J:! ~r'a:::~:al~ 't:e~p any prom~se ,m~de. IQ _tnlS ~ate or defaults in any other note." ,reasonable time. and to maintain the collateral in good condition and repair, reasonable Wt '~"'~ Ic) if an one wh w, n er, or ~:' . . ....... : ~..' . '. ..' "".' ,,'. ..! and tear excepted; (g) ifamounts are ad'laneed by lender under this Note for taxes a"ndl .\ an rom~ madeo. SI~~S the S~cunty Agreement or a Mort.gage ~ecuring this Note breaks .~ insurance. lender may. at its option. if permitted by applicable law,l idd the a.mounts ..~ .'. p~~se not to sellldvee Security t Agrefme~ or Mortgage; mcludl~g but not limited to the'.' . advanced to the outstanding balance and require repayment with interest by increasing I ..f.J:~Mortgage'or'secUri~ inte aw~y.~r .{~~:'~~~ :e,~to. t~~. property whrc~ is ~,! ~~.bjecLof ~e .1, .installm~nt payme.nts so that the outstanding principal b~Ja[lc.e,is repaid inJull :' .:''J. (d) if a~ to e .' r':S or ..~~.~~,..l,:...4:t~::;j~..~:~;.;.,~_...,. ,~"~.::?'...~ .~ .;,....$ :~t:subs.t~ntlally"equal rnstallments on the due date stat~.in the payment schedufe; 'and .:~;iOst. stole:(~nln~ m Whrc~ l~~~er has obtalned.3 security interest to secure this Nole is Bonower's promises made and lender's rights set forth in this "section"shall not merge w '_;~! :' ( ) 'f B hreco'Jere Wit In a reasonable time) or destroyed; or ..... .' : any judgment in any legal action and shall apply until all amounts owed are paid in full. ',,(ip~li~tiO:f:~:~; t~S ma~~ a~y unJfu. state~"nt o"misrepresenlallon!n Ihe ,red it .LEHOER MAY SIGN BORROWER'S NAME TO INSURANCE CHECKS: Bo!row" gives Len< _",' t:: (O u nthedeatO erce Ilca eor ocul!'entg!ve~ or ma~e forl~an; or <' ~ .:;., .', '..._l~e, right-to ~ign.Borrower's name ~n'3ny check or draft from an i~su~i1Q.ce co~panY.1!'i: ~.~~(aJ '~orr h o.f Borrower or ~ny one .0fthem..11 t~ere IS more than dne;or.... ........ '. 'limited to a check..or draft in payment 01 returned premiums or benefits .under credrt ''t', ..,$ (h)lif a C:uweirovldes le~d~r ~It~ false mformallon or forged signatures at any time; or ".lnsu'r3nce or credit ~isabilllY insurance. insurance covering p'roperty whfch is Security . .....?ihcapacitated~Or_~h proper JUrisdIctIon to do so finds that Borrower. or anyone of them, is . ..ttJis loan or flood insurance. This means that Borrower 3ppoints lender as attomey~in.fact '~~::;~~:~~~nde~ in lood I.ith believeslh;t Ih~ prospect ;f Borrowe>s ~aYlng Ihis Nol. is ~~~~~;~~I~:m~~:w~r J~r;~~~~r, ei~e~~a~ld~~r ;his N;t~;'~~d\~~;~;fii~; ;;~ '''',UBDrrower' 'ndf I~ h . .' .' ..' ", takes other action to collect this loan or protect any collateral. Borr oweragreesto~ycc^' ~~;due 'at the'~~on e fafh ~ e denllr~~uts~ndmg bala~ce on th~ ~ote sh.all be immediately 01 suit and. il permitted by law. reason3ble a~orneys' fees and expenses: :'~;~''':''::;~.I :;:: rightlo CUte excep; as;" e~ or. .IS tll happen"wllhoUl any prior nollce 10 Bor"wer, or SECURIIY INTEREST IH DEPOSITS: The l.nder may set.oll any amounls.due and unp, ~ :t'. Bonowerwi{1 also be in delau~ requlrl~ . by law. ..: . ., ,,_.. .,.:. . /. .' ','" ,under this loan against any of Borrower's. money on deposit with lender. This inclu.des z :~:;:"'i Ii) it Borrower becomes insolvent and/' i B' '. . money which is now or may in the future be deposited with lender by Borrower or with c . ~'due; or ' . .' . or canna pay oHower's debts as they become co-deposilor, including your spouse, This also includes any property, credits. securities" (k) if any other creditor tries by legal process to take an- . . rt 18 . money of the Borrower. which may at any lime. be delivered to or in the' possession 011 U... I"R.I..I.. Rm..R;........ . f money or prope yo orrower m lender. This may be donewilhout any prior notice to Borrower. . ~ I~ ' ,".. '- .'.' j .~' .' ,,' ,:' ',; -".' ,y' ,',' .'..' '.~L,1 " t :;'..,,;,\ . ~ .,~. '",' 'U", ';., . " ' 11I1\", '..,~:I '"n Delmml'l& 0' tne ua;,e.a l.a~~'ll" 'hew.., "'"...... ."'''' .'. p". . ,..-..... ,.........,. ....... .'.. "'f .. .. .lnctfetton Uledaleuthl mlcre$tflte lul'd 1I1 the t!nluo...ct', P,CrmlWi II'j .y,'....~ ~1, ~,.' ,''''oJ( I'l uw wl*ul,lf BlH'". dot' nol plW Ihl t.tus.lendtr hI1th1tP'" ..... " ;0 ',.., .t,.:, '1;'.': L'pocr ~. IJewrow,r promls's plompUy to "Pit to ..... ~., ... DIIAULf: IAI uMd In UU) pllI(J'ph. th. I.rm .BOffO""'" wll.ld" POHO....n, Co M,~m, .movnts p,d by t.endff 101 tlln; It) If under Ctts I seeuflty tAttrest in~' 01 searitiII CllltIMon.lureI1ts.,nd ,ny o.",r of property whICh IS HCUlltv IOf ttus Nolt) DOHOw" llIld tht v,lu. 01 the coll,I"I' mlY beeom. inlulllClent to proleet Lender. II t~11 hlPpem be In d,'.ult . BOllooer '1'''' W deli,er 10 lender .dd,loon.1 colul.nl .hlCh lender belllV'u,. " . . (I) illlomloer do.. nol tnI~..n, p.,menl belo'. 0' on Ih. dll. rt i, duo; or' ...,.. .noulh 10 p,oleCllIndll; In w .110. llnder Ih. IIlhl 10 inlpecllhlCoIl.llfll ,I an . lb) II Bo"oo" 11'" W I..p en, prom,,, midI in lho! Noll or dell,II, In en, olher noli. ,mo.,bl. ~m...nd 10 tnIlnu.llle toIultfll In lood cond,llOn .nd IIp1U; rellwlllt_ : loin olll,..menl .rth lender. 01 . . . . ' end 111I I."pttd,l&) II ImounureedYlnctd b, lender under thb ~olt lor tI1IUn41C (c) i1.n,o.. .ho ,II"' Ih. S<cuIIl't AVllm"t 01 . Mortlll' "cu''"1 Ih"11011 b,"l! inlUflnee. LInder nu" II lis opbon, II perm,ned 10, .pphc.ble II.. .dd Ill..mounls I en, prom'" mlde In Ihe S<cufll, Allllmlnl 0' Mortllll; ,.cludlnl bul not I,m"td 10 Ihe . .dilnct<llo llIe oubUnd'"l beUIa.nd reQuIf. rep.,menl .,Ih tnle'uI by incrOllin. III . . p,om". not w "II, \1'/. ""0' lranlf" tille 10 Ill. P'OPlrty ohich i,Ill.,ub,,,1 ollh. Inlllllmenl p',"lnl.,O !h.1 !h. oullllndlnl p,lnclp.1 b.lence I' replld In luU I . IoIor1l'P:Or\lCUfltylnle,..to, . ..-:. .... . .' -' .' ~,'.lrIU"~I~ff<l"'lilllUllmrntlC"thCdued'IH"'edjnlllelll,menllChedult;'ndll . " Ill) II an, p,operty in .hich lender I11S obbtntd'. i"'flly Inlei"l W 'tCUII I~" Noll i, Bonoolrs p;OIllll<S m.dI Illd lInder's fllhb..t forth in Illi, ""liOn shad noll1lll&l WIt : Iott, tloltn (end nolreeo,..td .,Illin ar"...,ble IImll 01 dlltlo,ed; 01 . . .. .' en"""lmlnt ,non, Ielll.ction.nd sh.lI.ppl, unW.II.mounts oood ." p.~ In luI. , ...(e) il Borro.er hll m.dl '"' unl,ul,I.llment o. millepresenlllion in Ih. cred,l . lENDER YAY Sli:Il IORROWErs NAYE TO INSURANCE CHECKS: Bon.... tns Lmdt '.'_'cpplkltion or 1"1 other (ertlrate Of document riven Of m,d.lor thlttoln; Of: . ~'- .... thlrichl10 sien. 0an0we(1 name on any theck or dutt rtom In \nsullnct compan,. This' .: , (t) upon Ihedllth01 BoII..er 01 ,",one olllllm. II th..eis morelhln 0"; 01' . : .~. '....lNIerl w . Cl\eel. linn WI peymentol relurned premiums 01 benlrilS.undtt cndll III ,4-1 III II Borra." pro'~lIltnder .ith 1.1'" info,m."an 0' lOlled lilnelu,".1 enr Ioml; 01 'In""n,, 01 credoi li>abUiIJ iAswJnU, lnsullnce coverlnl p,opert, .hich b ""unly h . r. 1111 II a court .rth p,ope' jurisdiction 10 do .. find,thll BOliO... 0' en, 0" olthlm. I' . .'lhll loen a' flood inslllll'<C. Tl1it....ns lhll BOIfO..f1Ppoinls lIndellllt1orllly-in-lld k .lJ~eaPJeitated;~t. .',' ..'.' '. ,:",'.., . _' . . '. BorrDWerwjlhlheruJlooweftoendOlSec~ecksordf~ft!.., "'" ~ ,,-':\.~r.~. ';:';:~ , .' . (i) II LInder rn lOud '"lh be""" IllII Ih. pro,pecl 01 BOllo.,r. p"inl Ihi, Noll I. COSTS OF COlllCTlON: II Bo_er 1,In dll"il under Ihll Nole ..d under files 1Uit. , , fmllllred. " .. "~lIolh'"CtiOllIo allltet Ihis loan a' p,oleel any coluleral, Bollo.ellllteS W PI' COS' :{l tf Borrower is I~ def.lul~ the entire ~ut:s~ndini bala~ce on this Note shan be Immediately 01 suit Ind. if pennitt!d by law. reason,ble ,r.ome1$' fees and expenses: . .:., ~.1 ~ ,1:l . ,~.due, .1 \lie option olllle ltnder. thIS .,11 h.ppen .,lhollt any p,io, notice 10 Borro.er, 01. '. SECURITY INTEREST IN DEPOSITS: The lender m., set..1I any .mounts due and unpl ~.. ri&ht w cu.., lI"pl ~s m., be ,equlred b, u.. . '; '. .. ., ,.'. , . .,.... ~ " .. under Ihis 10.. .piml.ny 01 Borrow.(, monl' on d.posil with lender. This Indud,s or ..~'. 8or~"nlf.1so 10, In d.llu/t. . . .' . ." ". _., .h~h 11_ or m, in th. lululI be dlposited .,Ih lender by Bo_er or .,Ill II ':,' _,(j) II Bonooer becamlllnsofYlnl.and/a' annol p" Ba""lr, d.blles Ih., become eo<l.po~lor, incJudinl your IlID'l'I- TJlb .Iso Includes an, property, eredilS, \lCUnties, , ,:.~ue:~ . .."...... ". ,.',.' "._.'.. .".. (Iloney 01 l/IeBonvoer \dIichtnlllnn, timllJid,'iWred 100' in the pojseisIonortt ~2~~~~~(~=~~ro~es by le&11 process to, take..ny money ~ pr~perty o~ B~rrow~.!n ..(.lende~. This may be cb.e without.ny priot' notice to ~rro~e~.. Ol,'.. ';~.':"")'fl" .. ;~.:;..(I) if Borrower files a bankruptcy petition'or if anyone fileslan involuntiry blnkruplCY ,AS~I~NMENT: You may "pt usiiJ1 or ~therw!Se tr~nsfer your ni~b unde.r thts Hote ~~~'l'inst Borrower. or '. ' . ' 'anyone else. lender may sel~ transfer, or assIgn UIIS- Note, and any ~u.nty.Altten]e' ~ti-::(m) if. Bo.rrower makes an assiin~ent far' the benefit of ;reditors. or'in;inStll~~~~l and/or Mortg~2t Vien to secU!1 !hiS ~o~~~ a?~. Bor~.~,~e"!. ~~h~ota.~ obl.i~l~ri~ ~~~.tt :.' .reorpnaation, arraniemen~ debt adjustment reeeivership trusteeship rlQuidation or olher Note wdrcontia:ue unchan~. ..' ~~j . ~.. ~ .. I, ..!l1;.... ,YI , , !l: ') '.. ,~.. .~ '.Iei'la, equiuble p,oceerlinl' III instiluted by Ofll.insIS;,ro..r, or '. . . .' HEIRS AND PERSONAl RlPRESEllTATlVES BOUND: Th' p,ovblanfol.lllis Noll shaD ! .~': ,(n) if an~ judgment tax lien. municipal charge or tax levy is filed or writ of execution is binding upon the Bcmwer, and the heirs and personal representatives of the Borrower. . ~:~ bsued 'Iarnst BOII..er. _ . "!' .'.:.. . _' _ . " . ,; .. ';." .,.. .... _' " GOVERNING LAW PROVISION: this Noll ..d.lls valldily, cOnllruclion and Inlo,ceabih ~":.If .., eVlnl desc,ibed In .Iil. (II, (I), Iml. or (n) h,pplns. Ihe enli" oullbndinl b.l..ce on' 'sh.1I be I"erned by Ihe UOS 01 Penn"lvlOi.. ",.plla th".lenllll'illUch~.. hIVI bf, -;*.thls Note shall be Im":!e<hately due without any prior notice to Bonower, or right to cure, preempted or superseded by federal law. . ......... ...... ~, . ~,,: '.-, "'; ,.< '.' ""..exceptasmayberequlfedbylaw. ._., _.. ..1. . . ". . ~ ..' .', .. ....,'....,.,1.0. "-'vl""""I.~I"''''~''''.' :~-'.:"':, .'.' . '. ...... .',~ '., '....:."..:~!\.:"..P.... ".', ..' .. . . , .. .f".....; . ..' ..:" .': ';~ ... ~~:;. . _, .. . . , "', ','; "" .:<" . :"NOTICE TO CO.SIGNER '.. . -' ",. .. ;;,. ..'Y ou are being ask.d to gu~~anl" this debl. Think caref,:,lIy bero~. you d!'./ Ktbs B~'row.j."doe~,!'! p"y~tii. d.bl; yo'; wUl h~ve te "". ~~ sure you can orrord 10 pay if you have .10, and Ihal you wanl to accepl this responslbiUly. ." .' ." "., . . .... . ",., . of.. . .~.' . ~,: You may have to p~y up 10 Ih. rull amount' or Ih. debt'if Ih..Borrower. does ,!ot pay"'You niay also have to pay'lilt. r.... 0 .\:col.lectioncosts,whichmcreasethisamount. .... .', :.#0 .,...., .0'.'\:. .'~ -.,-!~c;:.'~..'" ..'(.:,......,.;;;...:... ',,",','Ihl."'.'r,'7'. 1'. . ;::, Th..Lender can col"'CI.lhis d.bl from yo'u wilh~ui'firsl trying 10 coll.el r;~;';'.lh. Bor;ower. Tbe Lender can us. lb. sam " coll.cllon melhods against you I~at can be used againsllh. Borrower, such as suing you .Ic. If Ihis d.bl is .v.r in derault, that fae ,.. ~ay'becomeapartoryourcreditrecord. . .: ~ .~. ',P . ...". ~ : "'1 .... ',. .'" .i. I " '.' !:;:,.': .... . ,.. . ",",''.;'<f'''':::~.., ,. ...,........ ,I .,r..~ o0000125 (Rt1'. 4/%1 .. . . . . I '" :'} " ','. .:". o;:c;:~' }::..;[}."i " ~"_;~lij ~o-:' .. .'. ..~~~;: .=.~-:- __,___.~_.l.;~-! '. . """ .. ..~ }!\,~ -'" ': .. .;~,;;~.;:.:, .' ..~t'...': . ' . .~~i" ..:....~". 'j'. ... .;. .._,..__ __,.._. _u.' .. .. ... ' , ...-,-...-....- ..._-----,'... .' '" ',-' ~t:;tr:. ;":. ,,' :~:,:..,j.f:; .:.. ..........,. .......... ;:. ' :..;C:h' .:':"., .... .......,. ,"; .... ".'.' :.. ~<.'.~~';'~~.:' ~" ~~ ~:. .' .-1 .. ,'.' ...... '~:':, ~::'::~~{r.;:'!:..,':~ .;~I'"!o -:..' .~.. '.' .'".: . (. r ';' ~. ~ ~'.... " :;"'{::'.'.,'1:..,,, . ...:' "~ ':"'!! ,. .,".'; ',:~:;'~' -: : ..' {~.; .:....~.~~;":., .' ,~.::: .':. . . . . . . I;' :'. . ~ '. '.' " ....... ,'. ,.:..,........ .... "- . ','., . .... '- ~ I;..... ,... t..::..~ .'.:. ;.:<~:.,': .. .' .... ......:..... ..<. I ~,', . ... ' ".,.;. .,. .' ,~:::~t~:~~~ . i....','"", .. . , " , . .... '" :.....;. . ". " '.. ....,. '.' " ,..::.. .-r:I...~.,: ~ .'1 ro.t.l....J.v ...,...~,/,\ ,./ ......,'. . i., ....~;.~..:.~';.<.};:~~-;~. w .... .' ..' -, <. ~." . ';' .... ,,~'" .~. .,'/. '.>ir.' ,,' ;'~4~~'~: ~'~', ~ ,. ...'. ..---..-.. ",.:'':',',.:1:. ",' ..... ~ .:):'.. .ii;];B2H ::"11, : . _ ~8~:~OS.'IJ.~': . '.:. ~ -".~. .j '." .". .... '-. -::)~.',:'.:.,J,~::.::..,~ :::<: .' ;;;:"'; ,:",:;.;;j:~ ~,;'.:.',r:,~.:'~.~:.~~..i. .,. '~~. """.' .: " "i'," ~ " ',-', '. ,. '., "':", ..to. I~.:~: ~::~', ~';"':: ;:~e~: :~':'I'.:-: .... .;;j:.:.:::.. ',.:.~: .:]~.;:: 1#" . ... ~ ~~r ;'_"'::-_-:-__._;...~;;.~~~ ,'" I ,." ',' . " '"t"" ,.',,' > .' " .~ _" _ ':.' 'I ,I.. .'_'. " ~^" ":_, ~_:........_.. : ~,:~.', _, tUIUIjIIlI'II,l,.I/lC;lfIlIO, ':nOl.lht'll\.\\I'/lIl(' :'III\hulJ.;h.I'.\ I:';:::::': [g{r '.;S"-'7~ PNClBANK. February II, 1998 CERTIFIED MAIL RECEIPT REQUESTED Christopher Nester 2115 Wentworth Drive Camp Hill, PA 17011 RE: Mortgage Loan Number: Mortgage Note Date: 040-01-8006339027 08-17-96 Mortgage Premises: 2 I 15 Wentworth Drive, Camp Hill, P A 17011 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PNC Bank, National Association (hereinafter we, us or ours) on your propeny located at 2115 Wentworth Drive, Camp Hill, PA 17011 IS IN SERIOUS DEFAULT because vou have not made the monthlv pavments in the amounts of$ 255,04 for the months of November 1997 thru ,Januarv 1998, Late charges and other charges have been accrued to the date of this letter in the amount of$10,00, The total amount now required to cure this default or, in other words, get caught up in your payments, is $725,12, You may cure this default within THIRTY DO) davs of the date of this letter. bv paving to us the above amount of $725,12 plus anv additional Monthlv pavments and late charge which may fall due during the period, Such payment must be made either by cash, cashier's check, certified check or money order, and made at Centralized Collections, Consumer Loan Center, 2730 Liberty Avenue, Pittsburgh, PA 15222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments, This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged propertv, If the mortgage is foreclosed. your mortga~ed propertv will be sold by the sheriff to pav off the mortgage debt. Ifwe refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred, up to $50,00. However, iflegal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs, If you cure the default within the thirty day period. vou will not be reauired to pav attornevs fees, Exhibit "e" -~.......~... \', .. :,' ~"._': . :-\.. 'l. ,,"; .:, . .' ~.: _.;' '," ~ )".~. ,,~; .1, :.:...::'_.'"1,,,.:..,,- ,:.........,~: '.', '..', -<". filgc.l..llL4 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sherifrs foreclo~ sale, You may do so by paving the total amount of the unpaid monthly pavment plus any late or other charges then due. as well as the reasonable attornev's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage), It is estimated that the earliest date Ihat such a Sheriff's sale could be held would be approximately August !998 A notice cflhe da:e of the Sheriff's 5ale wili be sent to you before the sale. Of course, that amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number ( 412) 762- 1077, This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MA Y HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE; AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED), CONTACT US TO DETER.\i1INE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default. the mortgage will be restored to the same position as if no default had occurred, However, you are not entitled to this right to cure your default more than three times in any calendar year, Very truly yours, Sharon Campbell PNC Bank, National Association cc: Regular Mail '" '. ' , ,,- i' \ J': . , .' , ..' "., .' '.' . .... t,' '. ,.: _ .. __' '.:~....... ~.":',' '-.: ,: " ." ,r ," ., (,UII'jIllW' \.",,/li tll"" :i~1I L.Ltll\ \',1 fHII' l'lIl\1illll.:lI,I'\I',:":-: PNClBANK. Fcbruary 11, 1998 CERTIFIED MAIL RECEIPT REQUESTED Antonella M. Nestcr 2115 Wentworth Drive Camp Hill, FA 17011 RE: Mortgage Loan Number: Mortgage Note Date: 040-01-8006339027 08-17-96 Mortgage Premises: 2115 Wentworth Drive, Camp Hill, PA 17011 NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PNC Bank, National Association (hereinafter we, us or ours) on your property located at2115 Wentworth Drive, Camp Hill, PA 17011 IS IN SERIOUS DEFAULT because vou have not made the monthlv payments in the amounts of$ 255,04 for the months of November 1997 thru .Januarv 1998, Late charges and other charges have been accrued to the date of this letter in the amount of$10,00, The total amount now required to cure this default or, in other words, get caught up in your payments, is $725,12. You may cure this default within THIRTY (30) days of the date of this letter. by paving to us the above amount of $725,12 plus any additional Monthlv payments and late charge which may fall due during the period, Such payment must be made either by cash, cashier's check, certified check or money order, and made at Centralized Collections, Consumer Loan Center, 2730 Liberty Avenue, Pittsburgh, P A 15222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments, This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments, If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed. your mortgaged propertv will be sold by the sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred, up to $50,00, Howeyer, iflegal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are oyer $50.00, Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs, [fyou cure the default within the thirty day oeriod. you will not be re~uired to pay attorneys fees, .' ~~f2 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. (fyou have not cured the default within the thirty day period and foreclosure proccedings have begun, you still have th!Uigbj to cure the default and prevellL!.lll: sale at any time up to onc hour before the Sheriffs foreclosure sale You may do so by pavine the total amount of the unpaid monthlv payment nlus any late or other charges then due. as well as the reasonable attorney's fees and costs connected with lhe foreclosure sale (and perform anv other requirements under the mortgage) It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately August 1998, A notice of the da:e of the Sherili's sale will be sent to you before the sale. Of course, that amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number ( 412) 762- 1077, This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MA Y HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE; AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, If vou cure the default. the mortgage will be restored to the same position as if no default had occurred, However, you are not entitled to this right to cure your default more than three times in any calendar year, Very truly yours, Sharon Campbell PNC Bank, National Association cc: Regular Mail , .' " ' , . " : . . _ ''..:. , . :,', ,: : -': , ',' :" "', ,-.. ~ ~ -.... ' . --".:. - ' ."~. ";, -'., , ' . ~H"\lIl1lt" to.1I1 Cnllrr ~;J{j J..bt'll\'''\rnlll' j'llhillj/l.;Il, 1'.\ 1"1;,;;:1 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FRO~I PNClBANK. FORECLOSURE The COllunonwealth of Pennsylvania's Homeowner's Emergency ~longage Assistance Program may be able to help you, Read the following notice to tind 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 imponancia, puez afecta su derecho a continuar viviendo en su casa, Si no comprende el contenido de est a notificacion obtenga una Iraduccion immediatamente lIamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba, Puedes ser elegible para un prestamo por el programa lIamado "Homeowner's Emergency Mongage 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 ASSISTAN'CE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE At"ID HELP YOU MAKE FUTURE MORTGAGE PAYMENTS February I I, 1998 RE: Account No: Christopher Nester 040-01-8006339027 TO: Christopher Nester 2 115 Wentworth Drive Camp Hill, PA I70Il FROM: PNC Bank, National Association 2730 Libeny Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 Exhibit "0" '''''!/'., ,": ,', _,,'," I ,I,""", ,- '" '^" I~'w.: '~~~.~'~, ~_~. :.','1,.,. . 'OJ "^ You may be eligible for linancial assbtancc th;1l \\'111 plcvcm forcclosure on your Illongage if you comply wilh the provisions of the Ilmncowncl s' EmelllCnCy l\lor1gage Assistance Act of 1983 (the "Act"), You may be eligible for emergcncy temporary assistancc if your delilUlt 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 l'lousing Finance Agency, Please read all of this :-Joliee If contains and explanation of your rights, Under tbe Act, you arc entitled to a telllporary stay of fllreclosure on your mortgage Illr thirty (30) days from the date of this Notice, During that lime 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 oflhis meeting is to attempt to work out a repayment plan. or to otherwise settle your delinquency. This meeting must occur in the next thirty (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, The name, address and telephone number of our representative is: Harry Lubbert PNC Bank, National Association 2730 Liberty Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 (412) 762-1211 The names and addresses of the designated consumer credit counseling agencies arc 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 have 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 $725,12. That sum includes the following: November 1997 thru January 1998 Late Charges Total $ 715,12 $ 10,00 $ 725.12 Your mortgage is also in default for the following reasons If you have tried and arc unable to resolve this problem at or aller your face-to-lace meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage 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 attachmcnt. An application for assistance may only be obtained from a consumer credit counseling agency, The consumer credit counseling agency will assisl you in filling out your application and will submil your completed application to the Pennsylvania Housing Finance Agency, Your application must be filed or postmarked, Wit/lill thirty (30) days of your face-to-face meeting, /t is extremely importall1that you file your applicatio/l prompt/;( If you do /lot do so, or ifyo/l do /lot follow the other time periods set forth i/l this lelter. foreck'sure may proceed agai/lst your home immediately. 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 anothel notice from this lender under Act 6 of 1974. That notice is called a "Notice ofIntention to Foreclosure", 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, PNC BANK, NATIONAL ASSOCIATION BY Sharon Campbell 412-762-1077 . , : _ " ,',.' .,~ .",,' ,.' ..: ..'., " ~,.' '" . _.1"'., :;...~, ~, ;'_~''"':' ". ...." '.', ",'<' , , 1:,lmIHlWI J"',,lItl fill" '~7J() LbCII\ \\l"ltlt' l'lll\hUl\.:il. i',\ I ',,::.!~ ACT l) I NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE PNCBANK 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 adjumo cs de suma imporIancia, pucz afccta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notificacion obtenga una traduccion immediatamente lIamanda est a agencia (Pennsylvania Housing Finance Agency) sin cargos al numcro mencionada arriba, Puedes ser elegible para un prestamo por el program a lIamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca, ACT 91 NOTICE IMPORTAi'1T: 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 February II, 1998 RE: Account Na: Antonella M. Nester 040-01-8006339027 TO: Antonella M, Nester 2 I 15 Wentworth Drive Camp Hill, PA 170II FROM: PNC Bank, National Association 2730 Liberty Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 ,.~ . ... ...', ,'~ ,...'....,~' ,.;, ",', ,":,~.: "',~\ / .,',;\'~: ~.. '~ ~'.:....,":...." ,~_.,\",'~.~ ';." ~I'_:, . ,.' '. ".;.~:~~.L ,. You may bc e1igiblc for financial assistancc that will prc\'cnt forcclosure on your mongage if you comply with the provisions ofthc Homcowners' Emergency Mongage Assistance Act of 1983 (the "Act"), You may be eligible for emergency temporary assistance if your del:1ult has becn caused by circumstances bcyond your control, you have a reasonable prospect of resuming your mongage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency Please read all of this Notice, If contains and explanation of your rights, Under the Act, you are entitled to a temporary stay of foreclosure on your mongage for thiny (30) days from the date of this Notice, During that time you must arrange and attend a "face-Io 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 nextthiny (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 funher proceeding in mongage foreclosure may take place for thirty (30) days after the date of this meeting, The name, address and telephone number of our representative is: Harry Lubben PNC Bank, National Association 2730 Liberty Avenue, 2nd Floor Pittsburgh, Pennsylvania 15222 (412) 762-1211 The names and addresses of the 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 have 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 $725.12, That sum includes the following: November 1997 thru January 1998 Late Charges Total $ 715,12 $ 10,00 $ 725,12 '" " ": .,' ,'..I. .: '\.'. .'~~".' . "e :\:.. ~ _ .~~,I...:I'" ,:'~ '. '" "';'_4""":;:' ~".",~r't \ ~'..., \ . ,.,,'" 9.. ,., . Your mortgage is also in default for the following reasons: If yoo have tried and arc unable to resolve this problem at or after your face-to-r.lce meeting, YOll have the right to apply for financial assistance from the Homeowners' Emergency Mortgage 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 credil 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 tiled or postmarked, within thirty (30) days of your face-to-face meeting. II is eXlremely impOrlallllhal you file your applicatioll promptly If you do 1101 do so, or if you do lIotfol/ow Ihe olher lime periods sel forlh in this leller, foreclosure may proceed againsl your home immediately. 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 againsl 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 a "Notice of Intention to Foreclosure", 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, PNC BANK, NATIONAL ASSOCIATION BY Sharon Campbell 412-762-1077 !,) . f ." I ~ , ~: -. ",,',.. 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'.: .,: - ":',,' "::1..,,,' ,,_ 'I!'~~~:. _,",:.1, ""',~ ':',.,." ,,', "',' ':' '_',~_:....,,~_:_.;,,".~''''.~',;,.;~~ ':';. ':.~. ,::'" 1IJ Tim COlJH'l' 01-' COMMOI/ PI,BM) 01-' ClJMIl I': H I ,Mill COUll'I"', PEI,aWYI,vMll A CIVIl, ACTI\>II .. I,^"' PNC BANK, NNI'IONAI, ^SSOCINI'JotJ, PlainLitt I/o. ~U..451~ CIVil, Tlml~ VU. ClIRISTOPlIER NESTER and ANTONEI,[,^ M. NESTErl, IN HClIlTGAGE FOIlECI,OSlJIlE Defendants TO: Christopher Nester 2115 Wentworth Drive Camp'Hill, PA 17011 Antonella M, Nester 2115 Wentworth Drive Camp Hi 11, PA 17011 Date of Notice: October 9, 1998 NOTICE I I I 1 , I I I \ YOU ARE IN DEFAULT FOR FAIWRE TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT ~IITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOUI.D TAKE TIlIS NOTICE TO A LAI'IYER AT ONCE. I F YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO 1'0 OR TELEPHONE THE FOLLOWING OFFICE OR F'IND OUT WHERE YOU CAN GET LEGAL ASSISTANCE: Court Administrator Cumberland County Courthouse, 4th Floor Carlisle, PA 17013 Telephone: (717) 240-6200 DELAFIELD, McGEE, JONES & KAUFFMAN BY~/ IRosadele Kauffman, Esq. Attorney for plaintiff Attorney I.D. No. 50692 300 S. Allen St., Ste. 300 State College, PA 16801 (814) 237-6278 '.' ,..' ~" , . , , ' , .. , ,,; -. ~ I,)-.. , ~ '. ..... '" " :1 ~ <0 .,) :'> ~ .,., !'(') ~~f):'~ ~ ) & r-- tj ~ t .~~ ~\ ~) ,......! 0- i::- :~:', I.!;. (-:, II' "'f (~.' l r.~.', " \ u:- Li:.__ too l'"~ C:' (': 1._. -:'-j ("I a"__ c:; (J' ~) . P.;.~.. _'o.~."":'.<r ~, IN TilE COUR'I' OF COMMON PI,EM: OF CIJMIIEII I.ANIl COUflTY, I'ErIW]YJ.vAN lA CIVIL ACT 1011 I.MI PIlC BANK, NAT IONAI" A:;SOC I AT ION, Pl.:lillLj II u' ~, t'H. '1'.1 1 ~l (,IV J 1. TEHf.~ VB. CIIRISTOPIIER NI';STl-:H itlld ANTONELLA M. NESTEIl, IN W.lE'I'GAGE FOllECI,OSURg 0,' f ('IHlllIIL tI PRlIJ;;C.IP,E...f.OLliRI,'L9.F EXECUTION TO THE PIWTHONO'l'AliY: ISSUE 1-1111'1' OF I,:XI::CIJ'I'ION IN 'I'IIE ABOVE MATTER: (1) Dirc:cted to till.' SII..ri II or: Cumberland County, Pennsylvania; (2) againnt cllr.intopll..r N..ntel: and Antonella M. Nester, Defendantn; (3) and ind(,x tllin wl'it dCJdinnt: Christopher Nester and Antonella M. NefJtel.", Dc~fC'll(l.':lI1t:u. as a lis pendens aCJainst the real property of the Defendants as follows: See attached Exhibit "A" (4) Amount due Attorney's cOMnission Interest [rom TOTAl, $19,533.02 $ $ $19,533.02 / plus costs, interest, expenses, and unpaid taxes DELAFIELD, McGEE, JONES & KAUFFMAN Date: _.YL~f-!L_,.._ By Kauffman, Esq. for Plaintiff Attorney I.D. No. 50692 300 S. Allen Street, Suite 300 State College, PA 16801-4841 (814) 237-6278 ~ c.." '., 1-' ~ ..::l l'". ->. -- ~ 1.(1 Yj 2 ~. -. ~ ~ cy-:.. 'I< '" I, c:~ ,.f) ~ u/ ~ '-.; -.;:. C): '---.j '.) --- p.:.:' .. " 'j-. (,)\.", ' ~n ~) J I"- ~ c:::: [' '.) ..:::r- " Ll;" .u "'" ['- ':'Ol\" l>. .. , ~ -.'~ \. l- I -- \I (;', ,...J --.9- ,~ c.' t.:. ~ X- '- ~ --- cJ ~"'---" 61",~ -. "' '.' ....tv. ,.. IN TilE COURT OF COMMON PI,EAS OF CUMBERLAND COUNTY, PENNSYINANIA CIVIL ACTION - LAW PNC BANK, NATIONAL ASSOCIATION, Plaintiff No. 98-4519 CIVIL TERM vs. CHRISTOPHER NESTER and ANTONELLA M. NESTER, IN MORTGAGE FORECLOSURE Defendants AFFIDAVIT OF LAST KNOWN ADDRESS COMMONWEALTH OF PENNSYLVANIA COUNTY OF CENTRE ss. ROSADELE KAUFFMAN, ESQ., hereby swears and avers that she is admitted to practice under the Bar of the Supreme Court of Pennsylvania, that she is the attorney for the Plaintiff in the above- captioned action and that the last known addresses of the Defendants are as follows: Christopher Nester 2115 Wentworth Drive Camp Hill, PA 17011 Antone11a M. Nester 2115 Wentworth Drive Camp Hill, PA 17011 Sworn to and subscribed before me this ~day of January, 1999. ~1f/1~f[!~f/tP Notarial Seal Elizabeth p, Saupp, Nolary Public State Colle~e 8oro~ Centre Cou,jIty ~Av CommiSSIOn Expires June 6, ...000 K',,~:;.,~i:,. P'lnnsylvania Association of Notaries Christopher Nester 2115 Wentworth Drive Camp Hill, PA 17011 Antonella M. Neuter 2115 Wentworth Drive Camp Hill, PA 17011 3. Name and address of every judgment clceditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please so indicate Pennsylvania State Employees Credit Union 1 Credit Union Place Harrisburg, PA 17110 Lower Allen Township Authority 120 Limekiln Road New Cumberland, Pa 17070 4. Name and address of the last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please so indicate Anchor Mortgage Services, Inc. 231 East Avenue Albion, NY 14411 PNC Bank, National Association 1631 S. Atherton Street State College, PA 16801 5. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please so indicate ..... " ,:' ,. ~.. ." ' , ,'" .' ~ , ',' - _: " , . " . . ~ ;'. .< , ,II; ". , 6, Name and addrelllJ of every other penlon who has any record interest in the property and whose interent may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate 7. Name and address of every other person of whom the Plaintiff has kno'l'lledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate 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. 54904 relating to unsworn falsification to authorities. I/N /11 I Dale Kauffman, Esq. for Plaintiff {.,. ALL that certain Ll'ilCL of Lllld nILlldL<.' in l,ow('!' All('1l Townnh,ip, Cumberlilnd County, l'ellnnylvani'l, IlIul<.' 1"" Lir:uLtdy ""wlued dud described in accordance witll a slIrvey 01 Michael C, D'Angelo, Registered Surveyor, dated December 29, 1977, aB follows, to-wit: BEGINNING AT A POINT ON TilE WESTERN LINE or Wentworth Drive, said point being by [lame measured in a northwestel'ly direction a distance of 72.50 feet from Lisburn Road; thence South 34" 41' 29" _lest along the line of adjoiner between Lots 12 and 13 on the hereinafter mentioned plan of lots a distance of 230.39 feet to a hub; thence North 07" 19' _lest along the eastern line of lands now or late of Edwin Nailor a distance of 160.57 feet to a pin; thence North 60. 44' 05" East along the line of adjoiner between Lots 13 and 14 on said plan a distance of 137.11 feet to a point on the western line of Wentworth Drive; thence along said western line of Wentworth Drive, measured in a southeasterly direction on a curve to the left having a radius of 110.00 feet, an arc distance of 50,0 feet to the point and place of beginning. BEING Lot No. 13 on the Plan of Highland Estates, Addition No.2, as recorded in the Cumberland County Plan Book 5, Page 51. HAVING THEREON ERECTED a one story frame dwelling known and numbered as 2115 Wentworth Drive, and detached frame garage BEING the same premises which Bradley T. Bert and Martha E. Bert, his wife, by their deed dated October 9, 1987, and recorded in Cumberland County Record Book 32-Z, Page 406, granted and conveyed unto Christopher P. Nester and Antonella M. Nester, his wife. EXHIBIT "AU ......,- >- c; ;.~ ,', tJ.J..,.. ~:1r.' (_l.. J (.' '71;:-," EC'.. j: IJ.. o ,- ('V ,.~ ) ll. r.~') (,~, '1 --OJ Cf) (.:~ j ~ ( :... '"::) U ";, ,: ; __ 'I !. ".' '. " '~a -' ',', I, ' ,1... . .:. '; I" " " . . ':." ," ,-<'~" ' ,_ ~~ :..'C' _ ' ."f ' ~~ . ,~,',' i;,litl propc'J.ty bein9 lJold h,' 'Jllt.U" of il Wnl "j EXt,clltion of PNC Bilnk, National AtHlociiltion, Pl,linuff, 'It!. ChJ'jntophaJ' Nenter and Antonella M, Net!ter, Def..nd.llltn, to No. 98"1!:d.9 Civil Term upon Judgment out of the Court of Common Pleas of Cumber'land County, Pennsylvania, to No. 98,4S19 Civil Term, Terms of sale - 10% down dnd balance by July 11, 1999, at 4 :00 p.m. NOTICE IS HEREBY GIVEN to all parties in interest that a Schedule of Distribution will be filed in the Sheriff's Office of Cumberland County on July 9, 1999, and the distribution will be made in accordance with the schedule unless exceptions are filed thereto within TEN (10) days thereafter. DELAFIELD, McGEE, JONES & KAUFFMAN By Kauffman, Esq. for Plaintiff Attorney I.D. No. 50692 300 S. Allen Street, Suite 300 State COllege, PA 16801-4841 (814) 237-6278 . '. :., " '. '" .,". 'J" . ,.'. .'.," ., ". 'I,. _ ,:' "J :. " ,~ -__......_' . "_:1 " I' '_ ~""",'"'"",.. AI"L, that ccrtain tract of land "icu,,\(- ill l.ow,.'1- Al Jt'n Townnhip, Cumberland County, Pennsylvania, 11101(' p,u Lil:uLll'ly Luullded dlld dCBcribcd in accOl:dance with il nurvey of Miclwcl C. D'Angelo, Registcred Surveyor, dated December 29, J977, an follown. to-wit: BEGINNING AT A POINT ON THE ~IESTERN LINE OF Wentworth Drive, said point being by samc mcasured in a northwc,sterly dircction a distance of 72.50 feet from LiBburn Road; thence South 340 41' 29" West along the line of adjoiner betwe.::n Lots 12 and 13 on the hereinafter mentioned plan of lots a distance of 230.39 feet to a hub; thence North 070 19' ~]eDt along the eastern line of lands now or late of Edwin Nailor a distance of 160.57 feet to a pin; thence North 600 14' OS" East along the line of adjoiner between Lots 13 and 14 on said plan a distance of 137.11 feet to a point on the western line of Wentworth Drive; thence along said western line of Wentworth Drive, measured in a southeasterly direction on a curve to the left having a radius of 110.00 feet, an arc distance of 50.0 feet to the point and place of beginning. BEING Lot No. 13 on the Plan of Highland Estates, Addition No.2, as recorded in the Cumberland County Plan Book 5, Page 51. HAVING THEREON ERECTED a one story frame dwelling known and numbered as 2115 Wentworth Drive, and detached frame garage BEING the same premises which Bradley T. Bert and Martha E. Bert, his wife, by their deed dated October 9, 1987, and recorded in Cumberland County Record Book 32-2, Page 406, granted and conveyed unto Christopher P. Nester and Antonella M. Nester, his wife. EXHIBIT "AU ;, , ~ ;( " " ,', " " h; ". ,'~ .. ", ~ . ~., . , . >- ,... c:; '" ~:~ c": L.:.Jr~' C)~. :\.": Ff ~'I. ~. 2:" ; :.., ,. (',.. It/; .; u:' ~.: .. '.. r,': -- ; . ,. e", ) 0 (,"I . '.- '. ,- '.,.lo .. ~ \~, , .- , , " .' ...:_,.,. ...' , . '..,',' . ','. ~'. _ :'.::' . .' _'" : ,.' '.... f .} '- ~__.... ~ . r. ,,,. f"', r', ~. '" I! '. I . I I. r ,- :'1 \' j . ~,f ii IN THE COURT OF COMMON PLEAS OF CUMOERI~ COUNTY, PENNSYLVANIA CIVIl, ACTION - LAW PNC BANK, NATIONAL ASSOCIATION, Plaintiff ) I No, 98-4519 CIVIl, TERM ) ) ) ) IN MORTGAGE FORECLOSURE ) ) VB. CHRISTOPHER NESTER and ANTONELLA M. NESTER, Defendants AFFIDAVIT PURSUANT TO RULE 3129.1 PNC BANK, NATIONAL ASSOCIATION, Plaintiff in the above- captioned action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property more particularly described on Exhibit "A" attached hereto. 1. Name and address of Owner(s) or Reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate Christopher Nester 2115 Wentworth Drive Camp Hill, PA 17011 Antonella M. Nester 2115 Wentworth Drive Camp Hill, PA 17011 2. Name and address of Defendants in the judgment: Name Address (if address cannot be reasonably ascertained, please so indicate Christopher N~ater 2115 Wentworth Drive Camp Hill, PA 17011 '\ [~ i"t-. fl. lr I}~ [\ i. i"I' , ! j 1<1 1:'1\. iil. I.; j~":' i\ 1/1 1\ I ["I .... ,."1"; 'i,::" \F:r~ 'I.,;.:. .>:,~ \;1:,' ~,,-::- Antonella M. Nester 2115 Wentworth Drive Camp Hill, PA 17011 3. Name and address of every jUdgment creditor whose jUdgment is a record lien on the real property to be sold: Name Address {if address cannot be reasonably ascertained, please so indicate Pennsylvania State Employees Credit Union 1 Credit Union Place Harrisburg, PA 17110 Lower Allen Township Authority 120 Limekiln Road New Cumberland, Pa 17070 4. Name and address of the last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please so indicate Anchor Mortgage Services, Inc. 231 East Avenue Albion, NY 14411 PNC Bank, National Association 1631 S. Atherton Street State College, PA 16801 5. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please so indicate . ". ",1" ,; 'f .,-, ' ,':' I.,':.', ::'~J" :,' ,~, ':"':." .' '::' '~'" ~,: ":..~l .'~~ ~~'i;W' ",.-, .'c~" " 1: . . ALL that certain tract of land nituate in Lower Allen Townnhip, Cumberland County, Pennsylvania, more particularly bounded ilnd described in accordance with a 81lrV"y of Michael C. D'Angelo, Registered Surveyor, dated December 29, 1977, as follows, to-wit: BEGINNING AT A POINT ON THE WESTERN LINE OF Wentworth Drive, said point being by same measured in a northwesterly direction a distance of 72.50 feet from Lisburn Road; thence South 340 11' 29" West along the line of adjoiner between Lots 12 and 13 on the hereinafter mentioned plan of lots a distance of 230.39 feet to a hub; thence North 070 49' West along the eastern line of lands now or late of Edwin Nailor a distance of 160.57 feet to a pin; thence North 600 44' 05" East along the line of adjoiner between Lots 13 and 14 on said plan a distance of 137.11 feet to a point on the western line of Wentworth Drive; thence along said western line of Wentworth Drive, measured in a southeasterly direction on a curve to the left having a radius of 110.00 feet, an arc distance of 50.0 feet to the point and place of beginning, BEING Lot No. 13 on the Plan of Highland Estates, Addition No.2, as recorded in the Cumberland County plan Book 5, Page 51. HAVING THEREON ERECTED a one story frame dwelling known and numbered as 2115 Wentworth Drive, and detached frame garage BEING the same premises which Bradley T. Bert and Martha E. Bert, his wife, by their deed dated October 9, 1987, and recorded in Cumberland County Record Book 32-Z, Page 406, granted and conveyed unto Christopher P. Nester and Antonella M. Nester, his wife. EXHIBIT "An ..' '..... 1, " ,: ".7.;. ',.' ^I.~l:.'..'., .', ~ . ;<: " :.,_'_,. "\:_~~~~':~,......,'"..,~._..;~_.':: :~.:;, :'., i , , ~.----:~:r.'~'". .' IN TilE COURT 01' COMMON PLEA[; 01' CUMBERLAND COUNTY, PENNSYLVANIA CIVIL, ACTION - LAW PNC BANK, NATIONAl, ASSOCIATION, Plaintiff Defendants ) ) No. 98-4519 CIVIL TERM ) ) ) ) IN MORTGAGE FORECLOSURE ) ) VtI. CHRISTOPHER NESTER and ANTONELI~ M, NESTER, NOTICE OF SHERIFF'S SALE Pursuant to Rule 3129 of the Rules of Civil Procedure with respect to sheriff's sale of real property, the following notice on behalf of Plaintiff, PNC Bank, National Association, is hereby propounded. NOTICE IS HEREBY GIVEN that the following real estate will be sold at public sale on July 9, 1999, at 10:00 o'clock a.m. in the COMMISSIONER'S HEARING ROOM, 2ND FLOOR, CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PENNSYLVANIA: See attached Exhibit "A" The improvements on the above land are as follows: ~ v',1":'-"'",;q~".i~ " ",."'~' ~ ':.' I ,,~., ',',' _\ ':, _: ',~ ~'.:', ',,-_~_-':: _ ,',,_...:" ~ ,',,: r',> \, ' '" Said property being sold by Vl rtue of a Wri t of Execul ion of PNC Bank, National Association, Plaintiff, vs. Christophcr Nester and Antonella M. Nester, Defcndants, to No, 98-1519 Civil Term upon Judgmcnt out of the Court of Common PIcas of Cumberland County, Pennsylvania, to No, 98-4519 Civil Term. Terms of sale - 10% down and balance by July 11, 1999, at 4:00 p,m. NOTICE IS HEREBY GIVEN to all parties in interest that a Schedule of Distribution will be filed in the Sheriff's Office of Cumberland County on July 9, 1999, and the distribution will be made in accordance with the schedule unless exceptions are filed thereto within TEN (10) days thereafter. DELAF'IELD, McGEE, JONES & KAUFFMAN By Kauffman, Esq. for Plaintiff Attorney I.D. No. 50692 300 S. Allen Street, Suite 300 State College, PA 16801-4841 (814) 237-6278 ~ ALL that certain tract of land !lituate in Lower Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described in accordance with a survey of Michael C, D'Angelo, Registered Surveyor, dated December 29, 1977, as follows, to-wit: BEGINNING AT A POINT ON THE WESTERN LINE OF Wentworth Drive, said point being by same measured in a northwesterly direction a distance of 72,50 feet from Lisburn Road; thence South 340 41' 29" West along the line of adjoiner between Lots 12 and 13 on the hereinafter mentioned plan of lots a distance of 230.39 feet to a hub; thence North 070 49' West along the eastern line of lands now or late of Edwin Nailor a distance of 160.57 feet to a pin; thence North 600 44' 05" East along the line of adjoiner between Lots 13 and 14 on said plan a distance of 137.11 feet to a point on the western line of Wentworth Drive; thence along said western line of Wentworth Drive, measured in a southeasterly direction on a curve to the left having a radius of 110.00 feet, an arc distance of 50.0 feet to the point and place of beginning. BEING Lot No. 13 on the Plan of Highland Estates, Addition No.2, as recorded in the Cumberland County Plan Book 5, Page 51. HAVING THEREON ERECTED a one story frame dwelling known and numbered as 2115 Wentworth Drive, and detached frame garage BEING the same premises which Bradley T. Bert and Martha E. Bert, his wife, by their deed dated October 9, 1987, and recorded in Cumberland County Record Book 32-Z, Page 406, granted and conveyed unto Christopher P. Nester and Antonella M. Nester, his wife. EXHIBIT "AU ", .~: j't.^~ 'j..':,~:'.".:""jl'~>...;:"_":~_,.,,"'.~,,<~"':-.._<"""-l'-'~'" ..... <" ~ -, "\ -.. '; ''''''-;'rt~;:~::,: WRIT OF EXECUTION and/or ATTACHMENT COMMONWEAL TH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) TO THE SHERIFF OF _~~MI3EIlLAND ____COUNTY: To satisly tho dobt, Intorost and costs duo PNC l3ank, Na t ional NO, 98-4519 CIVIL 19_ CIVIL ACTION. LAW Association PLAINTIFF(S) Christoph~r and Anton~lla M. N~st~r, 2115 W~ntworth Dr., Camp Hill PA from 17011. DEFENDANT(S) (1) You arc directed 10 levy upon the property oflhe defendanl(s) and to sell R~al ~s ta t~ locat~d at 2115 W~ntworth Dr., Camp Hill PA 17011 (S~~ attached l~gal d~scri.ption. ) (2) You are also direcled 10 attach the property of the defendanl(s) not levied upon in Ihe possession of _ GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an allachment has been issued: (b) the garnishee(s) is/are enjoined from paying any debt to or for the account of the defendanl(s) and from delivering any property of the defendant(s) or otherwise disposing thoreol; (3) tt property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $19,533.02 Interest Atty's Comm Atty Paid $116.68 Plaintiff Paid % LL Due Prothy Olher Costs $.50 $1.00 Date: January 25, 1999 CURTIS R. LONG by: Deputy Name Address: REQUESTING PARTY: Rosadele Kauffman, Esq. 300 S.Al1en St., Ste. 300 State College PA 16801-4841~ Plaintiff Attorney for: Telephone: (814) 237-6278 Supreme Court 10 No. 50692 _.<-" f. /" : "'., 1. .: , :'.: ':. ", , . 1'11. .,' ,~;,. \; , . .,1,' '.." c,,'.. " ~ ~.~,''',.- ~ . , "..,.., -"-~"-' ...~.".~ " .w......~ ',' ,- '.," JY Go f~ ~.3, 199 q the sheriff levied upon the defendant'., Interest In the real proporty situat2d In t1.I1A J1I... ~'^"'~ Cumbsrl(;rd COiJr.ly, Pa.. knmm t.r,d nlirnbcr::iQ as: J/lS w~Jlu':A r",-k~:..EJ:w.,~ ).3. 1<;99 By1ri#~~ ~ c:;;;J C\t\I c:::::2 (5-e) u;:r\1 () ,A /.1' Af} ...,j r-.cJr:, i,,'l.1 ,',' ,:r", ;l:~,.1 0'1 Exlll'!',:t "A" ,'ilp'< ....;'", ~.L~- "" ,,,,... ...", '.'''.- ,-,.", , OJ ' .U ".1", "''lis 'r:r!\ afld by \!lis lLjcisnCe inr,orpar;ted herein. ,'" ':.' .q ~':' . J] \ .,. ~O