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('olt1nliance With Ilomeowncrs' Emer~encY Assistancc Act
9. NOlice of Dcfendanl's rights undcr Pennsylvania's Ilomcowncr's Emergcney
Assistancc Act, Acl of Dccemocr 23, 19XJ. I'.L. 3X5, No. 91 (J5 P.S. * 16X0.401 e !tl ~.). as
amended. were scnl in accordance with said Act to Defendant t'lairene I.. Jones on Junc 5, 199X.
A true and correel copy of said Notice is attachcd hereto, made a pari hcrcof, incorporatcd hcrein
by refercnce. and marked "Exhihil C.
10, Delcndcnt was dcnied assislanee under said Act. A truc and eorrecl copy of the
dcniallettcr is attached herclo. made a part hercoC incorporated hcrein by rclcrcnce, and marked
"Exhibil 0",
Colt1nliancc Wilh Loan Inlerest and Protcction Law
II. NOlicc of Intcnlion to Foreclose and Righls Undcr Pennsylvania's Loan Inlcrcst
and Prolection Law, Acl of January 30,1974, P,J.. 13, No, 6 (41 P,S, * 101 cl seu.), as amcnded,
was scnl in aecordancc wilh said Aello Defendanl Claircne L. Jones on Junc 5. 199X, A truc and
corrccl copy of said NOlice is attached hcrclo. made a parI hercof, ineorporalcd hcrein by
refcrcncc, and markcd nExhibil En,
WHEREFORE. PlainliffYork Fcdcral Savings and Loan Associalion prays for judgmcnt
in its favor and againsl Delcndant Claircnc L. Joncs inlhc amollnl of Thirty Six Thousand Eighl
Hundred Thrily Two and 56/100 ($36,832,56) Dollars, wilh intcreslthcreon unlil paid at such
rate or ralcs as eSlablished by Plaintiff pursuant 10 the lcrms of lhe Adjustable Rate NOlc,
currenlly $6,1866 per diem, from 10/2/98. latc chargcs at 5% of thc monthly paymcnl amount.
currcnlly $13,94 from 10/2/98, escrow chargcs, currently $68.49 per month from 10/2/98,
attorncy's fees, costs of sllil, and olhcr ehargcs collecliblc undcr thc Mortgage; for lhc forcclosure
and sale of lhe mortgagcd premiscs; and for any and all other relief as thc Court dccms
appropriate,
~)e
By . "j 'I
Bcnjamin F; Riggs, .It 1
Attorney for Plaintiff
101 S. George Slreet
1',0, Box 15068
York,I'A 17405-7068
Phone: (717) 846-8777 X2309
!.D. No. 72030
.J '/1 { l./
MORTGAGE
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nlls MOl('l(jACiI: i, lIlallc Ih",
ll) IJJ . he:lloIlcrn Ih~ MmIKilKtlr,. .11,11..'
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11. "I'/l":~ :il, ,1/11 1,1..,11111" t... ,,'1'11,1':'" .!Il~, ......1 ('.. .. .. ,.
fherelll .'ltmrll...d'I. .wl! Ihe Mllrll:"gee. \"0'("';, .~'~:~~..;Il.A.I:
. it ,-Of''''lfolIIOllllfC,''lli/l'd and ",i'llll~
,..11m" ...J.ltr\\ 1\ Ill!~: (.I(~IICII:,.SI.,. ..
~,:~q~~~~ A~:I~ :(I:)~:,~)~H~((~YIC,):~..
L11llkr till' 101"\ II' _ . .1, '.'I"I'I:! I. :-:L~ 'f.~,1 ~I:
~H1.I~..,I~~:~,~~:".7:&!'~.."., .
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(hch'I/I"l.endcr").
WIIUIU", Dorruwcr i, indehlrll tlll.e.'mlrr mlhe' pfiru:ipiIll \lIm HI 'J'll,lll.y-Illtl~!, ,Th(lIJ~"'Il~1 /11.111:.
JIIPJoJl',lIJ. .(S,n, 'Nil, P.O).-:-::;;,,~.~,~.-:-:-::7:-;";",-,-.- Dulll"\. ....tm:h mdrhl('Jnc\, l\ ""id('nced by Uorruwer'" nOle
daled" , ,{)l.l~)lpIJJ.qr: . ~ ,. J?tJ.J . , , , . .1 herein "Nclle" J. prnvld,na fll' m.mlhl)' Ilhlilllnu:nl\ uf prindp.lI and IlIlt:r!,:\I,
\Iollh lhe tJ"r"flce u' Ihe imlchICllne\\, I' rllll \nuncr I'Jld, ,I lie: dnll pa)'dh'" UI1 ,J(.llllhH'I.ll.;'>P.14 ..1
TOSf,CUIlE In tender (a) Ihe leJldymenlll' lhe' indehl('dnl.'\' e\'id('n,'ed hy the Nule. wilh inlerl."lthereOIl,lhe
Jlaymenl II' all lither sums, wilh Inl,'lnt t'1l.'rCUn, adViuKcII In an'IIUblll'l" heh'''Ilh ItI pmtc(.t the Sl.'CUrilY of Ihis
MUflKdgl.', jtfld lhe pcrfurmilncc IIf the "lwel1"1l1\ an.1 ilgrl.','rn":l1l\ 1,'1I1'11"..cr hcrClll "oI11ail1t:IJ, and (bllhc repayment
olllny future i1dvancC!, with interesl thl.'rcun, made lu Borfll'olicr 11)' I.l.'mlcr pUrSiJdllt tll paragraph 21 her":llf (herein
"Fulure Advance!il"). Dnrrtlwt'r doc!io hereby mortgage. grant and ,"unvey In I.....ndcor lilt' folluwing desuihcd property
Itlcaled in the Counly Ilf....... q1rrIJJ.'!.r: l,}r)~I. ...... .. . ., Slilte of Penn\ylvania:
AU, that cert.ljn hOlme ilnd Jot of qrolmd hercillt!ftl:l' i!0.<;JI1Il.ltc'd ii!. l,ot 1Jo. 1, :;ltll.,l.~
011 tile tlOllh sidt! lIr l':,lht ('oovel" Sln.!l!t, ill lhl! IlcJfoll,,1l of t"~('h,lIIi(.'~;b'lIq, COIUlly of
('umberl<lnJ ilnd St.-lle of I'enll!lylvduiil, j,(Jluld.:<! lid dl.':;cl ib"l! ,I:) f(Jll()w~;:
IlE(jtrmIflG at a (Joint on thu COI"rlU!" of [;(Hltll Arch illld I':.l~;t C('O\'HI' Strl!l.ts; thl!llc<!
~'It.:~,;tw,lnl idolllj HILu of Huid 1':.J~.t ('(JOVUI- :itrl.'l.'l, Llllrty (HJ) fet.:t to the lill': of
lot formerly owrllJcJ Ly ^d.;:llll t'i~:Hiel1, hcn.!illaftul- du~;cribl'd as Lot No. :.!; tlll:nce Northwilul
.110n'1 tho line of Bald I,ot, 140 foot, morc or Ie!;!l, to tho 11n~ of l:I twenty (20) [not
.11IeYI thence E,wtw<lnl <Ilol\cl thl! linu of !l<lld i1Lley, :!l 7/12 feut to the line (If !;oulll
Arch Street; thence Southwilrd dlol\tl till! lille of ~<1id $trel.'t, 1.10 fcet to till.' pldcl.' of
DECiI1UlltJG.
!IAVIUG thllreon erectad <1 two and Otl(.'-]i.:llf !ltory fr.lml~ dOllllle dwt.: 11 lrlq hou!-il~ known ,1S
31 E. Coover St., l-ltJchclnicsburq, PA. TtllJ<.!thcr with tllu riyht in the Grantees, their
heinl, successors, and assiglls, to u~c i1 path in cornman with the Grantors, their sucC;:C!;SOni,
and assigns for Inqress, eqrcss .md reqrCS.!i to the qaraqc at the rear of tho propurty.
Grolntors further qrant and conv<.!y an ciWt.:ment to the CI'.:mtt.!C!i, theil" huirs, BUCCO!lSOt"!;
and i1ssi(!ns to tho exclusive usu of tho ca:lternmO!;t olle-half of tbe double block (jaraqu
at the rear of the properties illonq with the unrestricted riqht for ilHln!ss, l!qre~s and
ltH,rU~iH ovur r.rantor:.:; property lyirHJ hetw\~l.!n lb,! dfort.l!;.:!id \.'<l,;l'.!frlI!K,~;t h.llf of t1u.~ 'lei Ll'!l!
iUld thu ptlulie alley ill thc real" of tbe pru('('rliu~;.
Grilntor!> slHlll be undoJr no dllty to maiutolln an(l/or rt~p<lir the qaraclu and Ilpon th,~
uC!itruction dnd/or rell'Oval of lilt.! tJaraqe, the afore!;aid ea.!;elf\(!lIt~ ,lilt! r'iqht!i of \1st! hlli:!ll
tul-minate. Provided. howuver, that removal of the qilraqe ~;Ilall not be done without tile
consent of Grantees, their hairs, S\Jccus~oni, at' assiqll~;. Dcstructioll shall be deemed
to Il<!ve ()ccurrccl when by act of (;ad 01- by IIccJIiqen<.;e or intent of pen;ollH othur thall
the Grantor, their heirs, SllcceSf>Ol"S or iIS~li(Jll!i, tile uninsurud CO~itS or rUi'air sllall exceed.
FtJH'1'HEH, wherQils the front portion of the common wall tHvidinq the units is offset so as
to provide an entry to tile Granteos home, till.! (jnmtors qrant LInd convuy an exclusive
QaScment to the Grantees, their heinl, successors and dssiqns OVer any portion of their
property to the aforesaid common walt.
HEING the same premises which Thomas 11. Beauduy and Christi A. UQaUdllY, by dcc:d dated and
recorded oven d.;1te hcr.;!with, granted <Iud C(JlIVU~I".l to 1>.110 H. .Tone!; Sr. clnd Clairene Jonas,
ml'1rtfJu(jQt"!3 !IProlrl. ,
wmch rta~ IIle al1JrCs~tll..... .,,1l.I::,.CD{lv.er~tn..!c,t.. .Hcchall.i.G~.bup.......,.,.,., ,...".........,'
IStllel1 ICily!
..,., ..r(-....1.7.Q~S..,.,.". ,(ht'rcin"Propertyt\ddress");
ISI.r..lldz,pCodol
TO{jETIlE!t wilh all lhe improvemcnts now or hen:afler cr....t:t..:II un Ihe propcrly, and all casements, rights,
ilppurlcllanCe$, rents, royallics, mineral, nil and gas righls :Uld profils, waler, wala righls, llnd wah:r sind, and all
tixlllres now or hcreufter allaehed to IhL' pmp..:rly, ull of which, including n:plaCL'ltlcnIS and addilions Ihercln, shall be
deemed 10 he and rcmain a pari 0' the properly clH'ered hy Ihis Morlgage; illlt! all of lh..: rnrcglling, lngelher wilh said
pwpeny (or lhc leas~hllld ~slalc if Ihis MUflgagc h. on a k'i\seholtll ;ue herein rckrred 10 us lhe "Properly",
Borruwercnven;lIIls Ihat BlIrrnwer is lawfully sL'isel! of lhe eslalL' hcr...hy ct1ll\lcycd and has Ihc righllo morlgagc.
granl and cOllvey lhe Properly, lh:ll Ihc I)rnperty is uncncumbercd. and lhal IJorruwer will warranl and defend
generally Ih.... lille 10 the Property again'll all claim.. and (krllilllds, suhiel:l 10 any declaralions. cascmenls or reslrictions
lisled in:L sch...dulc llf cxcl'Plions tll WVL'r:lgc ill allY lilk inSllTlm...c policy insuring l....ndcr's inl..:resl in the Property,
PENNSYLVANIA.-Ilo 4 famlly-6115-fNMA/fHLMC UNifORM INStRUM!Nt
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'Ih.: lll.mllll,C .:.Iffi.:r Ilrnvi,ling Ihc ill.llr.llIl1e .11;111 hc .-1'1""'11 h) 1I.IU.I...cr Mlhj...el hI appIII\";lI h)' (cIIIll:'r; rril~ldl:'tI.
Ihal ,u.:h "I'I'HlVlll ~hall l1ul he ulU.:"....nahly withheld All prCmlUI1l~ un in,"r,lllce plllillic, .h..1I ho: I'"ill III th... mannef
I'hlVl\klluml...r pM,lllr;Jph 2: hlll,'\11 ur. If nul p.lid in ~lIdl manna. h)' UnIW"Cr mu"inll p;I)rncnl. whcn tlu.:. .1I,c..lly III the
Hmlfill1.:Ct;arner.
1\11 in.llr"nllc 1'1,!I1I10:' ;1I1<lllIl1e.....lh IhcIo:,'1 .h,,1I hc m InUIl ,,"'lI"'I'I..h1c lu I cn,ler .11111 .h;I1I1II,III(k.. 'I,HllIM.IIlIllII~.IIlO:
.:I.lIIW Ul 1'.1"'11 ur "nd ill r..rm ;llI,'cl',.Ihlo: hI I...mlcr. I,Clld':l ,h.dl h.IH lllc fi!:ht h. h..I.llhc 11.,li.:ill. ,111\1 r..llc....L1.. .hclll.'f.
a!1llllurh.....cr .h,,1I pru11lplJy 11IIni~h hI I.emlcl ;111 ICllcII.;II 11\11111':' ;lIl1llll1 ,Ct;.:ipIS ul Il;Ii(1 prcl11ium. III Ih... ':'':lll <II I.,,,.
B"r,,,....:r ~h,lll 1:'\'': pr,'lllplllilll':C III lh.: imll,.Ill,c ':;"11'" ,uullt'mler. 1.0:1111111111,1)' 111,11..: Im",1 I'llo,s il 11<11 tIl;Ido: pl"l11pll)
h)' 1l"ItIlWCr.
l!nlc~, I,en,ler "lhlllllrru"'cl \llh,:,I'"... iI~fll, in "'llllll~. il1"'I;IlIlIC PlllllO:...." shill I 11t' ;II'pli.:t1 tu rc.tl'r.lli'll1 ." ,cr,lir III
Ihc l'ruJI':ll)' d;Ul1;l!:...d. pl"~lllc,1 '"th rC''''HIII''n III 1l:1';llr ... "lI"nllllu,;dl)' IC;I~ihlc ;uul lhc 'oClIuri.y ul lhi. Mllliil;I!:O: I.
lIutlho:rd,)' irup;JH...d. II .udl Ic.III'.IlulU ilr l':I'''Ir i. ,,"1 ",clIl1"lIIllI,tll)' fc;...ihle Ilr if lhe ~colrilY 01 Ihl' Mnrlll..g.: 1.I'('ulu
hc illlp"irctl. Ihc lII~ur"ncc pHl":C':'!' .h,11I hc iipplictl III IlIc ~lllm ~lI':lI,c.1 h)' .hi. M..flilllg.... \-lilh Ihc C\I:"''', if ;11I). palJ
In lJurr..Ilt.:r. II lllc "WPCrl) i. ;1]..11111..11':11 h)' UnrrIlIltCI. ,or 11 "",,""cr I,li" h'IC~pul1d tll (,cl1lkr within .\0 lla)'s hull! Ihe
d,l'e notice h m,liktl 11)' I.l:lllkr tll IIl1rruw...r Ilhl' lhl,' lIl.ur;II1C'" l";tlricr "Iler, .n .Cltlt: ;1 el.tim fill imuranec hcndi", L.:mlel
i~ auth"li/cJ In 1I1111o:cI Hlul "1'1'1) lhc II1,UrilllllC pr..eeell. .It l.endlll" uptiulI .:ilh...r III rc'tllf;lliull \lr Ie pair Ilf the 1'1lIpt:,ly
"fltllhc 'llllhs.:.:ure.1 h)'lhis Murlllall':.
Unlc... l.':l1I!cr lHld Ullrr.'wcr ,'Ihcr"i.c "Ilrcc 111 "'lIlillll. atl) "",h apl'li1Ialitln .,f IHuecctls hi plll1l:ip;11 ..h,,1I mIl C.l...ntl
ur pilslpilllC lhc tlue dale IIf thc f11tlnlhly insl11tlmcnh l.:IlIrr':ll lil ill pamllru(lh. I 1111(1 :! hcrcuf or ch"l111C lhc llnlllunl tlf
such imlallmcnh. II um.kr p,Ir;lj;r<lph Itl hcrl:lIl .h.: I'ltlp.:lI)' i. aC(llIlr...11 by I....nd.:r, "II right. lillt: und inlclcsl 1)1 !Inffo.....cr
in ,ll1lllu illl) ill\llr;lIKC pulicics "nll ill ;ulll 10 till.' pr.,ce...,]. Ihcro:'" rc~ul.illg hUl1l llalll,lllc 10 Ih.: I'rupc:rly prillr III lhc ,alc
or ;Ie'llllsilioll ,hall I';'" It, I.emlcr I.. Ih.: ....Ic,,' "I Ihc 'lIl1h ,ecurll.t h) lhl~ ~h'JlIl"1I1I imlllctlialcl). Plin, hI ~u..h '.lit: ur
;ICII11ISillllll,
6. l'rl:""I\II.loII :11111 ,\I..ln"'lHlIlI'C IIr "wll,'rl): 1_"lIwhuld.: ('Itllllnmlllhllm: 1111I1I1I...d lInll UI:'\'dol'llIl1nh.. lIl'rrilwer
~h;llll.o:cr thll l'wp.:rty ill glhlul':ll;tir 0111.1 ~halllllll',plll1lllil ....a.lc IIr pcrmil impairmcIII or (Iet.:riurllliull uf lhc I'rupeny
and sh.IlI c('l1Ipl)' wilh Illc pw\'i.llIns ul ;11I)' I...as... If lh", 1\1I"11:.lgc 1\ ,ll! ;1 ka)l.'hulJ. It Ihi, 1\IUrlj1"gc i\ ull ;1 ul1it in il
"lllhlulllinilllll "I ;lpl;111110:111111l' d....cr"pmetll. lIulln...1:1 .h.,lI I','rl"llll ;111 "I' 1I111ltl"':(s IIhllllatliln~ undcr .h.: t1ed,lnllilln
Ilr ,,:u~':llanls .:rc;l\illll Uf Il"Wflllllg lit... ,','1lI.!.11ll1l1l1l11l IIf 1)1.11111....1 111111 dcvcI"I,mclll, Ihc hy-Illw.. ami fcglllllliilll. "f Ihc
condilminiulIl or pl.lnncllllnil t!cv...lupll1.:r,l. .mll CIIII.litIICIII .IU,11ll1~1l1'. II a lIt1mluminiulll or 1,1;lnncd 111111 Ilc~d()J1l11cnl
rld...r i.. c.\c..:tJlell hy lIorrmwr ,11111 rCllcmtcll 11Igelh...r "'lh Ih.. M,lllgall", 11111 CIWCIMl1h ,Iml ;lgro:cll1c/lh I,r slI..:h ,i,k,
shit1l he il1clIfjlur;II.:,1 iultl ;ulll sh.11I ,uncl1d ,11111 .1II'pkmCI1I lh..: cm':ll;llIh and alll.:t'Il1...nls Ilf .hi, MUltll;!!:C itS it' tit... ridcI
WCIl: ;lpMt h.:rcof.
7. I'rolcrliull or I.ender's Scnully. If lI(1rrllll't'r f,lil, III I'erf.'fnl Ihe eovcn;lllls ,mil lIgrct:l11cnb contained in Ihi,
MUrlll.lj;e. or if llllY :Leliull (lr I'ru..:cc.ting I~ CI'I11I11':I1.:...d whi,h 1ll.1lcrially 1IIfe," Lemler's inlercst in Ihe I)rup.:rty,
indUllillll, bul ,"'1 Iil1liled t.l, emillcnl d(lllwin. ill,..hcllc)'. ,'IIIk lI11ItIH'Cll1Clll. \lr ,Jfr;lI1llclllcnls (lr pf\l":':':lljl1J!.~ inv.'h'll1g n
bankrupl or d...lIetlenr. Ih...1I Lender "t I.t'nder'" ol'tl(lll. UpUll !llll;..': t.. Burruw...r, 1lI01)' milk.: su<:h :lppcllnIllCCS, Ilishuu.: sll..:h
~um' and lake such allliulI ;IS is n,:cc\\al)' It. prnl.:Cl l,cl1lkr'" illl,'resl. IlldLIIling. hul nlll limih:ll In. di,hurscmclll nf
rC;ls(ll1<1hlc ;llIUrll':y'S ro:...s ,ulll enlry Upllll thc I'rtlpcrly 10 Il1;I~': ICI';lil\, II I.cndcr relJuirc(1 nlllrlg:lge in.uranee a~ ..
CUllllttillll {If ll1a~inll thc 1110111 ~.:curcII hy Ihl. MlHlg"gC. nllrl"\-Icr ~hilll pol}' tll... rlcmilJl1l\ reqlllrc.1 tll main!;lin slleh
in'lH;lIIce ill cITecI Ull1i1 'lIcll limc ;1\ lit.: rC'luirclll...1l1 "'f 'lIl1h lII.uran~'''' lCll1lilliltes III ;l<:eordllncc with IInrrower's lIntl
,
1"11" -i.ll I'^I,I li'1.1
, I
l.lI.I." ""tr.1I .'1'" "Hh '" ,., '1.,,10, .,1.1. 1,.. 1\,""'"'' ....11 1'.1\ II" ,,",,'''''1..1 _.11 ,,,,,,II',tl"- """,,,,,,,,' 1",1111""1' ," Ihr
Il,-,ult., 1""1,,1..1 "...In 1'_""....,,1. _, 1.."..1
",II' .''''..,,''h ,1"1,,,,,...1 h, 1'1..1." I'''' "",I I" ,I,,, 1'."'1'."1'" ' """ ,,,.,,,,,,1 I'"'''''''' ,h.1l "","11'" ,,,"',I"'lI.tl
""1,1"",1,,, "..I II..""..,., ". II" ,I "1 t,,,, \1..,11" ,~" I ..I".., 11..",,,.,, ".., 1..,,,1... .'i'''''' I.' ,.Il,,', 11'1111' ,.1 1"1"1<",,1 "" h
.1111"'''''' ,I".III"'I'H"I,I., ul~'" ,,,.,,,,.,,,,,,, I ""I" I..tI"""..,. l<"I,,,"'milll.lH,,,'''III'''II...1 ,,",1,..,,111..:.11 ,..11'11"1 ""mlh.'
.It'f ",.II,""IIV'lIl'lll ., Ihl' "'" rH.,I.I,' It"," I"".. I,. I'......." ""I'I.U1.Ii.., 1'1111'-''',11 11I1111'1 III" N..I.. ,,111.... ,,;H'mrnl ,.,
IlItn..,1 ..I "" h 'M.. ..."..1.11,.., ,,"11,"1 I,. "'1.1" "",.. I,.. ,.1...1..,1, 1",'11' ""h ..""'11111\ ',",1111"';11 1II1..lr" ,I' ,II.. IlI,I'I'~1 'air
1"'111I'"'''''' HI..I.., ,'1'1'1".11,... I..... N,'II,,,,, "'"'""1',1 ,,, II,,, 1""'1",'1,1, 1 ,h..lI ''''1''''1' II'nll.., I.. IIl~I" ,III, 1"I",,,'r '" la"-r
.lI't ,I< hi'" 10..,("11I1,11'1
II. ""I"'rll"". 11.,,,1," ,",,\ 1t,.,I.. "" .""1' I" I.,. till',," '1',I""'<llIk ,'''IIII'' "I....t. ,11I.1'11'1'1'11"'11\ ..IIIit' 1""I...,IV.II/",,,lr,1
,1,.1 11'11<1.., ,10,,11'"1'11.'''.'11I''' 1I"'"r I"""I",,,,, """""1 '1""""'I"""\'lIltll',""'l;Itolrl;III'I'IIII",'I"III'I.II"Ilt..lrullt'r',
,1t.......I'" tl...I''''I'''II\
Q, t-un"rmnIlHu". '''r 1"''''''',1, "1,,,,\ .1" ",I ," ,I...". I,., .hm,'II'" ,1".." '" "'11'1''1""",,,.1 1II.,,,m\,,li"11 "'t'I' .111\
"'mktllll.ll"''''''"lhl'll..IIIIil,,I'hrl't''I'I'111 ", 1',111111.-",,' ,.,I"""I1'I'\.lI11,',,,llrlll""'Iulrmn..I,,,".;nt'llt'ld'\'..."ltllnl
t",1 ,1'111 I,.. 1'",,1 I"Irl1<l..,
I" lh,'nl'lII ..'.1 t"',III.l"" "f"l<' I""I~'" th,' I"'~"".I. ,h..IlI... .11.,,1....1'.. 1111' '''III' 'nll,,',I"~ II,,, M"Itr,t",
,.,11. till' n,..". ,1.1"" 1',,,,1,,, """,'\Ilr! In ,I". .'...", ..1.. 1'..11ull.ll'lll!: ,'III,,' l'II'I't:"'\ "Ilk" II"".....,., ,....11.....,,",
"1111""'''''' _"('1' ill 1II1.lm,. Ihr,... ,1..11 h... "prlll',1 I.. "l<' "ilia \1.,11/1..1'1-,' ,t,,~ M"'II/"J/" \lId. I''''r,.,'i,'" ..I 11ll' 1',.I\'l'CI"
... "("1"..1 h' Ih..I 1''''I",''i,'" IIIllIdl Ihl' ,11""11.,1 ,., I"" ""11. "'.-lIlt,1 h, Ih.. MllIljI.III.:' immc,Ii;ltrh 1""" I.. Ihr .I,ll(' 1.1
1,'~"''1,.....n I,' Iltr hilI 'tl~,lrl ,",.1111' ,,1111.. ,',,"....'h """"..1...11'1. ,."", 1,'lhl' 11..11'..1 I,I1r.mj!, "'.." Ihe l...t..Il.r "llh.. r,."rr,"
",1"1,..11,.".,,,,.:',
Illltr 1""1"'11'1' I~ lIt-.""I'''"r.'''\ 1I"""...r'_ ,.,., ;11"" "".kt' 1,'1' I t'mlrr ,.. nm'"....t'llh:r.1 Ihr Ct'lllkmllnr I,ITr" hI lTIakt'
,II' ,111I.",1 '" <tu'r a d,IIIII ,.., II.IIH,IIII'~, n"",'III(" I,,,l- I" l\'O''''I1.t I" 11',,,11" ,...t"" Ulll..\~ ;llll'r Ih.:' Il.tl" ~lIdl II"lil"r i.
.....,Inl, 11,,,,1,,, i. I\II,h."III',1 In !I,Urd atlll 'Irrl\ II... r''''I'''!!', ;1' 1 t'...I(','~ "I.'inll. ("Ih('r III 1\"111'111"'11 '" .rj.:m lIf Ihe
l't"I...,1\ "I h' Ih(' ~lIn" 'l'urlt.1 ... lit" M..rt',I~I'
1'111..\, I rlllk, ,11"111"""",<,, ".ht'I""'" ~..r..1' '" "'''III'I! ,U1\ ,,,,II ,11'1'",':11'''11 .., "",,1'''.'' III l"indJ';.1 ,h.11I '..'1 r.lt'Il,1
.It 1'''''I''''u' Ihr ,1,,1' .1,1'(' '" Ih,' 1II11"lhl\ m'lolUnH'''h ,,.,,,.lInl h' ill I',HJII':II,II\ I ;11,,1 :! h('II"" '" ,h.lIllle lilt' ;.IIl11llnl III
.".h 111\1;11111I"""
'". "ur""'" Nullhl,..,II, I ~tl'll,,"n "I II,,' IIIHI' I", 1'..\"..."1 '" 1II",1I11I.-.,I",,,..r "11I""";11"'" nf Ihl' ollm~ ~"n"".I
I.,. Ih.. ",...Ij!all" ",11111'11 h\ I e",tl'l I,' al1'- ~1I11C"'" III ""1'11'01 ", 1l"'"I1-l,(,'1 ,h,.11 llI'I "lwr;Ile h' ,e1l';I'I'. III :11I'1' IIU.II1I'I,
Ihl' 1'.Ito,llI. "I Ihr 1.,ilElIl,II nl,,,,,"'r, a.,,1 11..""....('(, ,,,.,...,,,,,, HI 1111('1<,\1 I l'n,It'r ~h:lll 11..1 h.:' U'tl"i't'll Ie' I"ClIIIIIlt'lIl't'
I.,,,.:rt',hnll' ;11E;llll\1 "Kh m"r"," "f ,r1I1~1' I.. nl'-'lIIl I lilli' I'" 1',l\nlt'1I1 '" 1.11""....i\~' II".,IiI)' ;11II"n"alltorl ..I Iht' ~1I1T1\
\l,\tIIl'.1 h\ Ihi, MIIl1ll'a,c I.~ '1';1\"" ,., ,"" 111'11I,,,..1 111;,,11' lo\ th" ",il/III;.I 1I"""\\rr ;11111 lI"rrll"'r"~ "'l'.'l''''''~ III illlc't'~1
II. .'ullltlrlnff") 1.t'nd" Nltl. "."U, ""I /,.".....,;1(..../'1 , ,'mla 11/ <'It'li'I~mj! ;I/)~ ,i,l/hl III Irrnl',Ir 1ll'I..m..lrl, nr
"lh"I>A"" afJ"hlr,1 h\ ;'l'rhl':Ihlt' 1;,,,,. ,h..1I "'" lor .. .......11'1 ,.1 ", rlt'lImll' Iht' "."'Il'i,e "f ;111\ 0111'11 Ifj!hl .., tt'l1lrtly
Ih... rll...lIl...lIlrlllllf in"uar1l'''' 1'1 Ihr r.n-ll1rul '" I,"." I" "II..'r 1"'J1' '"l"hal~~'\ I,y lender ,h.ln "'" ht' iI \\;uvI'r "f I emlrr"
tij:hl h' ;In'elr,;.,.' 110(' 11\,1""11\' tlllhl::' IIllleh'ctlnl''' ",,,",',I"~ th" Morllt:!j:e
12, ",nlttU,. ('umlll.Uu, All ,rmc,IIc, r"'''Ikll U1 Ill" MII"Il:II/C ;Irc ,ti~tilll"1 ~,ul nUII"I:tIIvt' '" allY plht" rillhl Ilr
'l'llIe.I,' lInd.:', th.. M"",allt' "I ntll.ltk,1 tly I;."" '" cqu'h. :!1Il1 ,".,\ tll' <,'e"'I,,~.I ~'llIlnlrrCJ1II~, illllcrcllllenll~' (II \lrr'c~,ivel~
1.1, .sucer"o" .nd "'.'111' ft"und; Jol,,1 ."d Srunl 1,lIlhllll): ('.plllln'!, Ihe "tI'eI1Ol1t~ nnl! :Il1leCIJI<,nt~ helr'n
,'''''IAlIIl'll ~hall hill/I, "mllh(' ti""" htl"III1dt'l ,h:1I1 IIII1'l.' t". Ihe u"re..:h~l.' ~"O:O:l.''''''~ 111111 ;I"illn~ "f I clI,kl ~lIld n"fI"...r"
",hlt.o;I h' Ih.' 1""li,i,'"~ "','afll!t','rh 11 hl'Il'''' All .",,'II.m" :\1111 "!l"'I'''"'II'O ." n",ro."'er ~h;.lI 1'1' I"ml HI.t! <t"'r,nl
Ih(' COI'I'III" .11111 hrlldlllll' ,,' Ihr r;\,a/l':'l'ho "I Ihi, M""Il..j:.' ;H" '''I .'..IIH',"elll'(' ..nl)' ;Hul !He ""1 III hc lI'ell III
IIlh"rn'II'llldint'lht'f"e"l\il'n,h....e,,1
14. Nnller, r..I'crt IN all\' !lllhtC 'e'lui,cd 1I1lt1..., ,tl'l'lk;rt>I,' Ill'" tn he Ili~ell ill aOl"her m:lllner, lal any nolil'c hI
11"'''''10'' 1''''''111.',1 1", .11 lhi~ M..r1I/'I~I::' .1''111 ,," j:'H'" h\ ,".IIII1')! "II'h ""',,',' h. n'II,n"ll nwil ;l\hlrl'~'('11 I" n",rol"'rl ;11
Ihe 1'/"1'<:'1)' A.hltt'" "r al ~lIdl ,'llIe' a.M,,'" ,I' It''I ,.,...," 111;1\ .k"II",.I.' I.~' 'Ullke h' 1.'lllk, :" rr,,~I.ll'll he,cill, ;111,1
(hI an' nllhe(' 10 I.rmll.'r \hlllllle ,,'en hy ,'rll"I,',1 ,,,.ul. 1('1"111 Ic,el!'t IC411c'letl. Ie' I e'1I1r,', ad,t,t''' .IiI'ell he,cin "' III
",,'h '1Iht'r ;ule"t~\ ;\~ I t'nde' Illn 1I,"ill"alr h. ""tln' h' 1I"""\\I'r :I~ rnwlllrll hell'in AllY nlllkr rwvidt',1 Inr in Ihi~
"','nJ!;r(t~. ~h.,III'l' Ikl'n...,1 hI IM\e ...'I'n "IHII II> n"""\Il'. "I I ,'mlt'r .... h~'1l j:IH'1l ill Ihl.' milliner ,tt'~il!lI011etl hl'leill
1.5, I!nlfnrm :\I..rt.lllr; (;",rrnln,I,a...: Sr~rrllhIlU." Ill" ""Ill tlf mOflfl:lj:e I"llmhin<" \l1H(nllll ,nvt'nltlll~ (Ill 1I111i..rHII
,,~... ;r"d 1ll1'Hmilllllll '1>\('11;\111' ...ilh lilll11elt ";tIMI,,"" 1'1\ illrt"I.I"I,.H1 1,1 I"IHI~llllIle :t 1I1liftllrll ~ecllril~< jn~I,umenl "we"n!:
11';11 1""f'I.'II\' Ih" Mnrtll,Iill' ~hall hi' I/"H'IlI',1 10\ Ihl' 1.1\\ ..r Ihl' ilHi,d'~'I"'11 ill ...lIkh Ihe 1'Il'I'erlY i, h...alt',1 In Ihe
l'It'rll Ih,ll .II'Y l'r,.\..""I'" dOl,,'" ,,' IlIi, M""~;tC~' ", thl' 1'\;,'11' ('I'"1hO:h \\ilh :I111'lk:lhk 1:1"". ~ll("h l'''llllicl ~h'Ilt '"'1 ;,111.'1"1
,'Ihel 111",,,i'''l' Ilf Ihl' M.I,,!!.I!!C III IIll' N"I.' ...I\lo:h 1'.111 t... !!l\el1 eU"'CI >Ailh,'UI Ihe I"lllltlio;rinl! rnl\i~iun, amI 1tI thi,
enlllh~' 1"'" i~illn~ ll'lhc I\h.tlllDjlt an.t Ihe ....,,[,. ,lie Iko:l;Hl't1 hi he ~e"'cr;lhlc,
IfI, Rurrm'rt', ('oP)' n""""'l.'1 ,halll.e f"r'lI'hed ., ~"nl,,"m'd (1l1'Y "I Ihl' Null.' :11\(1 "r Ihi~ M(lIll!ll~e ." Ihc time
,.1 e",....I""1 "1 alter I..,'\lllt,li.,,, hefe"l.
11, 'han~rtr..r lilt' I'ruptrt~: "\\un.ptlnn. II :11I1'r ;In. 1'.HI..r till' I""I'I'II~' ,>1 an inle'l.'ot Ihe/ein i~ ~\.Itlllr Irall,rttrt't'
h~ 1I..""...t:I ""1111"11 l,...ntl~',', J.ri", ....rillen Ctlll'l.'I11. c\o:llItlillj: lal Ihl' l"Ie:"i,lll "r ;1 li~'ll '" eno;llmhntllcc ~l1t1\lfllill:l11:' III
Ih" M""IWile, lhllhe "('alion (" :1 ru"h;..e 111I'IIe\ ~e""lil\ mh'le~1 fnr h(lll~clllllll :I1'1'1i;U1~'e~. ((1 :I Ir;H1,fer II\' dcvi,e.
11"0,""" "r toy' orer:"lt'" I,f la'" "r"n Ihe .Iea,h IIf ,I j""lI 'en anI ,,' hll 'hl' I!rlll1lllr :"I~ ka\ehnld il1lele\1 "r Ihlee yea" l'f le~~
l1"l "'Ilt.lillinll all "1'Iin"lll l'"reh;1\r, lel1del llny, ill lendel" "I'""". Ilec!:He liB rhe \11111' ,cl:lHed hy' Ihi~ Mortgn/tc 1(1 hI::'
.rnm"Ih;lll'Iy tllIe :Inti payahll.'. I elllter ~h'llt h;l\'1:' .....,,\l'd ,..o:h "1'111'11 In ;"'l.'lcr;.le if. rrinr Itl the ~..Ie III trander, 1.l.'lllltr
"IHt Ihe I'e"on h' ...limn Ihe I'Il'PCII)' i~ I.. he ".hI '" tr;w,ll.'fll,'Il't;Il.:h 1I1!rcelllrrll ill \\I'lilllllhal Ihc Clellil ..r "lch rcr~t>n
",;""I;","'ry t.,l.en.ter and Ih;,l Ihe inltll"1 I';\);thle "" II". "1I110 ''''O:\IIc,1 hy Ihi, Mnll~alle ~IHlII he al ~lId. raIl.' :I~ I.endt'r
010.,11 ''''ll''e~1 If I ell.le, h;l\ ....;oi\td lhe "l'lil'" hi ;,,~\'kl;,lc rrllvi.kd ill Ihi~ r:ll;l~r:lrh 17. :1I1l1 if BlIfI......tr'~ ~lIccc~~llr in
tIllerc~1 h;I\ ewcIJletl 11 "'lIlIen ;1\\Ullll'litlu ;l/lleelllelll ao:..:el'lcd ill \Hilll1~ hy l.erull:I, 1.l.'lHler ,IHIII lelell~l.' nllrto...cr horn all
l'hhll;lIIl'Il' llnoterlht\ M"IlIl~I!tcand the Null.'.
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1,.H;Ij:I;II,1I 1.1 hercnf. Sueh lll'Iicl.' ~haU jlrllvidc ;1 ".'Ii"t! ,.f Illll k" Ihall In (1;1)" frllm Ihe dalc I"t 'lIllkt i~ 1Il;,ited within
,\1".11 1I,.","'cI may I'ay the ""11' tlel"1.lIt,llhle_ II IInrlll\\,'r (;,,1. III 1';1)' ."t:h ~..m~ rrill' III Ihe e'rirati"n lIr 'lIdl pelillt!.
I cmkllll.lY, \\llh"1I1 'tlllher nul,ce ,.r Ilcmantl,mll."""'CI, 11"I,le ;IIl~ ,emedic\ re,millell hy r;lrag'llph III hercof,
:"<,,...(11';11011'1 (',.\ I N \N I~. Ii"m''''l'' :IIItII,l.'rIIlcr IUllher ""\'t'n:lI1t and :Iil'C~' a~ fnllnw,:
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In nllrrlll-lrr fL' pltuhlrd h) npl,lIl'nhlr Ill" ~ptclf,I,,": tlllht hrrnrh: 1211ht' nrlllln ,e'ltller.lleI cllrt ~lIch bltleh: (3). dltr.
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pn,.lIhlr I1llhllUI fu,lhtr llrmllnd oml ma~' fnrcdn~t' Ihl.. MnrlJ:.lIj:t' hy lucllelal pfllcrt'dln!!:. "t'"der ~lml1 ht tnUlltd 10
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Mllil to:
York Federal Sarlng! & loan Ann.
JOJ S. G..rg. St.
P.O. So. M.68
rork, PA '740S
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AUn: Settlement Dept,
1''''11, ',,11 1,IIl (;.11;
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RIDER TO PAP.',GRAPH 18
li~le, t ,e undersigned Borrower(s), do hereby Olgree that the
follolling r:.:er to I'aragraph 18 of the HortgOlge, executed by me/us
this '2. ,t day of \)(.'-...... . 19~~. shall be effective in
accord with :he terms and conditions thereof and shOll1 be deemed
to be a con... ition of the "ithin Hortgage.
The te:-m "reasonable attorney's fees". as set forth in Paragraph
16 hereof. shall be deemed to mean five (57.) per cent of the prin-
cipal due, at the time of foreclosure, or $300.00, "hichever is greater.
This provision shall be '1oid in the event this Hortgage is transferred
to the Federal Home Loan Mortgage Corporation.
IN WITNESS InlEREOF. intending to become legally bound hereby,
I I/We have hereunto set my/our hand(s) and sea1(s) this ~~ day
J of '1::>~, .19_,
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(nORROHER)
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An.nJSTAUI.E I{ATE LOAN lunER
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YORK fEDERAL SAVINOS AND lOAN ASSOCIATION ........
till.' '" rlllk'''1 tit Ih,' 'allle: 11.111,' (lh~' "NOI"'" ,1Ill! ~'llH'flfl): 1I1l' rtul'erl)' dl'~~'llhcJ inlh,' SCOHIl)' Iml'llrllCnl and
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l.st 11,1) III Ihl' Il1llulh hq~lllllll1!( Oil ,. !'t.oJ.r.c.h. ,1. ,.,".,., ilL .S.5, ;11111 Oil Ihal day III Ihl' monlh l'\CI~
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l~l J Ih~' inlerl'\1 r,ll" l',I1I1I1'1 hI' ,h,ll1.:nl hy 11Im,' lha.. pl'r""lllal!~' pniuh al an}" Chanl!~' D.II!.".
II 1111' IIllef\'~t lilll' dl;lIIl!~'\, Ih~' ,lllhllltll .11 ""HOI'I'I'\ 1lH>l1lhl~' l'aYll1\'1I1~ \\ illl.'h.lII!(l' 01\ p'!Hided illlhL' Nlll~' In.
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II. 1.0" CIIAIUa:s
II ,utlltl he 111..1 thl' lo,ll1 \CdUCI! h\ lhc Sl'l.'IUil)' IllllrllllWll1 i~ ,"hjl'l.'llilOllaw ....hkh \l'l~ rna\iltlllllllnan dr;H~c,
,m.IIII,1I !.III "iUII'lllI,'I"11 \\1 111,11 Ihl' 11111'11'\11" olht'l loan dlMl!l" t;Hlkdcd lH In hl' culll'I'I,'d ill 1'11Jllll'I'lion Ililh Ill,'
hl.11l \\IIllld t'\,,'cd P"lllIillt'd lilllill, II lhi, l~ Ill,' l'"W, 1111'1l: IA) allY ~1l.:11 I,Ian ,hilrgc \h;111 hl' ,etlllcl'd by the anUllIlIl
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",I pcrllllllcd hlllih ....ill he ,dUlldl'l!W lIorlO....l'f. I "lllkr 111<1)" dmll\e tOlllOll.l.' ,hil rduJ1d h)' 'l'dtl.:in~ lhl' prin,ip;l!
n....l'd ull,kr Ihe Noll' or hy mal.il1j!" dirl','l flOl}'lIlelll In IInrHl\\cr.
C. l'IUOIt IU::\IS
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\lhidl ha, prinril~'IJ\el Ihil S,'oHiIY Illllrmlll'tll, 1.1'1I1kr may wnd BtJrul\\cr a lllltirc id"'lllifyil1~ thaI licn, Bummcr
\hall prnl1lplly :1.:1 \\ilh rl')::lH!IO IhOlllil'lI", plO\ilkd in par;lgrOlph 4 01' Ihl' Sl'.:urilY ImlrlJl1\Clll nr ,hall prom!lll~
~l't'lllC.1I1 a~rCCllll'nl ill" hlll1l ...\li~fa~'lilIY 10 Il'lllkr ~Uh(lfllill;llinl! Ihallil'lIln Ihi~ SCl.'urily Imlrlllllcnl.
I). '1It..\~snJt or Till-: 1'!HU'I,:ltl\'
Illherc i, a uan,kr ill' lhe Properly ,"hjl'...lln paragrOlph 17 of lhl' Sl'l.'UrilY Ill~lfllll1Cnl, I clI(kr lTlOlY rcqlllll'lIl
.1lI ill\:rc.l\l' in lhc l.'UrfelH Nllll: illll'l"'~llaIC, \If (1) an illl'll'a,e inlOi rl'IIHl\'ilIIlO Ihl' limit olllhe<llllllLlIIl of an~ lln~'H1'
letcII r;lll'dL;lIfl!C lilllll'll';\ ..Hillin, ilIl.l) it rhallFl' inlhl' lIa\l' 11ll.lc\ fi!!llrl', Ill' all oflllc,,'. a, ;1l'lllldilillll Ill' [,l'lllkr\
\\ili\illg Ih"llPliol1 III Oll.'l.'c1cralc prmid,'d in p;nal!,aph 17,
H)' ligllill~ lhi\, BorHlI\cr ;ll!l""~ Iii ..II uf lhe ahll\l',
Wi tness
)
/C~_,;( I-r,?;;
v<J. 1) 10.'11.1.
<.:-:::--.- :-----w. '. ,,;,~) '::'
~-C;-~L'--' '._) ,
..,.~,...,:-;...}l.-..,'.., ..",:),,\,.j~
Dale W. Jooes, Sr. "
-Uorwlller
,~t
C', . ""0r
~( ~. "~ :-," - '.. ~ J
...lL_.D--\....,....,.N<4!)~, .(, .,.-.......'";0.."
Clairene L. Jones
-ROIU11II(1
" . (Seall
. /I m.",- 'h~n ,,",' J<", ", h." ,..ot ,Of ,/ "" /'''1 " ,h,...t,'d, "",j I,',.",., "',,/ n"""MW d" ""I "'h..,..-,,,. "~"'r III ..'","'~, Ihr {"'I I"d,'. ""mrtl .."II "I'rlo
ADJUSTABLE RATE LOAN RIDER-6161-HIIMC UNIFORM INsrRUMfNT
['1l1l/:
"ill 1'.',[,[ (j,18
,,(Seat)
ADJUSTABLE UATE NOTE
MIlKE TO JlORIUl\\'E!l: TillS ;o.;OTE ('O;o.;TAI;o.;s A I'IIO\'ISIO:\ AI.I.O\\.
1;0.;(; Hill l'IIA;o.;GES 1;1; TIlE I:'IiTEIlEST II,HE, I:'>I('IIEASI':S I:'>IIIIL
I:'>ITEIIEsr IlATE WILl. IIESlil.T 1:"/ 11I(;11I-:11 P,\\,MISIS, lIITIlLASI:S
1:>0 TilE I:"/TElILST !lATE \\'11.1. IILSIII.T I,'" UI\\l:11 I'A\'ML:'>IIS,
, .~'lq~I:!~J; .?' . , , , , . , . , . , , .. . .. I ~, , ~~ .
, "',' ,C:~r:~~'!~~. .",.". " . .. ,I.'<;r!'.'~yl~~",l~1
City .\I/lIr'
3'1 Coover Street flechanicsburg Pennsylvania
........................... .... o. ........ .... ....................... ,..
1'/055
1"0/1("'." ,-ltlt/n'B
Cily
,\"U/('
I,/J('mlt.
I. 1I0011l0\\'E!l'S 1'lUlMISE TO PAY
In return ror;] Inal1lhall have n.'l:civctl, I pl'ollli.'lc 10 pay U.S. $, 39,~PO,OO......... lilli, illlllllllll \\111 ,,~.
called "principal"), plus inlercsl. to Ihe order of the Lemler. The Lender i.. York Feder..' SilvillY.'i lv. 1.(10111 A,\cldlllitlll.
1\
. . . . . . . . . . . . . . , . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . , . . . . , . . . . . .
I undcnaand Ihal the I.louder may Irall,fl'l' Ihis NOll'. The LcmlL'r or ,IIIYO'"'' \\110 c;lh', (hi, NOll' 11\ llllll,kl ,IUd
who i\ clIlillcll tu rC\,"I,.'i\'c pa)'IlU.'IIIS 1I11lIL'r Ihb<i Note will be called 111l.' "NOll,.' Ilolllel",
2, INTE!lEST
Interest \\ill hl' charged 011 11t:1I part or olltstanding principal which Ims 1101 Ill'l'll paid. IUll'rl"t \\ill hI,' 1Ililll'I,'d
beginning on the date I receive prindpal and l'ulIlinuing Ulltillhe full \lI1IOlll1t of prinl'ipal I 1l'l.:'l'IH' lIa, hl'l'll ",lid
Bcgilll1in~ on Ihe datc of Ihis NOll.', J will pay illlerest at a )'early r.lIe of.. :1:1,..~7~. ,Wn (Ihl' "llIill,dlu,
Icresl Ratc"). The interesl rate that I will pay will change ill accordancc with Sl'l'lion.) of ,hi... NOll'llIllillllY luarl" Jlilid.
Interesl rate changes ma)' m..cur 011 IlIe 1st. . dOl)' of Ihe Illolllh beginning 011 , . , .11,a..r.c.h .1. . , . . , . . . . . . . , , . "
19 + .85. and on Ihat day of the month e\'ery . . t...,elve. (12) . . . . . . 11I0111h, lhcrcaflcl'. Fadl dall' 011 \\ hidlllll+ lall'
of il1lcrest may l.'hange will be called a "Clwllge Date".
J, I'A\'MENTS
(A) Time and Phu.'c of l)a"l1Il'nls
j' I will pay principal and interest by making payments ever)' l1lolllh. I will lIIake lilY 111(111111)' paYlIIl'lIl\ tllIllIL'
.1a:t. day of each month beginning on , . . .F.~J:P..aJ:Y. .1. . . . . . . . . . . . . . . .19. ~~. ,. I \\illlllakL' tllL'\c 11.1)"lIIl'lIl\
ulltil I ha\'e paid all of the principal and interest and any other chargeli. delil.'ribed helow. that I lIIil}' OWL' \llIlIer Ihi,
,j Note. I will pay all Stll11li Ihat I owe under thili Note 110 lalcr than. . Yi'tJ\.I9-.n'. :1. . . . . . . . , . . . . . . . .. . , ?P.1.4. , . .
(the "final paymcnt datc").
I will make my monthly payments at !OI South George Streel, 1',0, 110,' M.6R, York, PA 17405 or lit II
different place if required by the Note Holder,
(II) IJnrrnncr's I)UlIttCI1's ncrnrc Tlll'l Arc BIll'
I havc the right to make pa}'mellts of principal al any timc hefore tlil'y Hl'C dill'. ^ paYlncllt of prilll"ipal (111)' i\
known QIi a .lprepnymelll". \\'hen J make a prepaymel1l. J will tell Ihe Note Iloldl'r in wriling (hut I 11m doing su. llIlay
make i1 full prepi1)'lIIel1l or a partial prepayment withoul pnyillg ally pellillly. Till' NOll' Iloldl'r will lI\l' 1111 of illY
pn:p:tYll1cntli (0 rcducc the Hll1UUl1t of prindpalllwtl owe 1I11dcr this Notc. If IlIlakl':I paflinl prl'puYlIIl'IlI, thl'll' \\'ill hl'
no delays in the due dates of my monthly payments lInlesli lhe Note I-lolder agrCl'S ill \\'filillg tOIIIO.I,e dclup.. f\.ly p:Htiul
prepayment will reuul.'e the amollnt of my monthly paymenls afler lile first Ch:lIl~l' (Jail' following III)' partilll prepa}',
men!. However. any reduction due to lilY partial prepaymellt may hc OrrSl'l hy all illll'rl''it ratc illl.'fC:lsc.
(C) Amollnt 41f Mnnlhh' I)a\'mcnts
My initi"lmonthly rayn',enls will be in Ihe amount or U,S. $, ,4,0,6,.,6,0"."""".. Irthe inlere't rate
that I pay changes. the amount of my monthly payments will dlallge. Increascs in the interest nlte will result in higher
payments (unless my prepayments since the last Change Date offset the illl're:iIiCs in my monlhly pnYllIclHli). J)ecrca\cs
in the interest ratc \\Iill result inlo\\ler paymcnlli. The amount of my 1lI01llhly paYlllclll1i will always l1e 'iuflkiclIlln repn}'
my loan in full in substanlially clJunl payments by thc final paymcnt date. III sl'tting Ihe mOlllhl}' pU}'lIIcnlulIloulIl 011
eHcll Change Date, the Note Hollier will as.lillllle that the Noll' interest raIl' will 1101 dJallgl' again prior In lhe rillul PilY.
ment date.
PENNSYlVANIA-ADJUSTABLE RATE LOAN NDTE-GI81-flIlMC UNIIUIIM ItlSIIIIJMlNI
~, 1:"01 E1U:S I itA IE l"IIA:-Ola:S
I,\J I he Indn
Any 1,,:lIall~l" illlhl' inll'll',1 rail: \\illlw h"'I.'d till (hall!!\,..... ill all illh:ll'\t lillI.' ilUll'\ \\11Il.:h \\iIlIH.' l'alll'lIthl.'
"lull,,', It. I hI.' Indl'\ i... Ihl': II "n~ mrl' bll\ '" ",IIICI/fl' /mJnl
(1) xt "('OIlII:1I.'III1II:Il"1 Rail'. PUll.:ha\I,.'of Prl',iou,ly (h:l.:lIpil,:d IlolIll", Nallonal '\\l't;!!!\.' IIII all ~Iajm
IYPl'\ tlf ),I.'lukl'" puhli..llt:d hy llll' h.'lklalllollll'l.oan Ball~ Board.
c!) '. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . , . . . . . . . . . . . . . . . . . . . . .
....... ............... ....... ..... ... ..... ,.. .............. ,....... ...... ,...........
If Ih.... IlIdl.'\ \."l'a'.....' 10 hI.' iliad\.' a\ililahl\'" hy Ihl' puhli..hl'r. 01 b~ ,lilY 'lI\:n"'tll 10 thl.' puhli...hl'I. 1I1l..' NOll'
Holder \\ill wi Ihl' N\lll' inll'tl''''l nlll' hy u...ing a l.:'olllp:'l1ahk illlll'\.
(II) St'lIin~ Ilu.' :'\t'" Inlt'rt',IIt:llt'
I l' 'l'l Ihl' IlI'W illll'll',1 rall', llll' Ntlll' 1Il,IlIl'I \\ ill dl'll'llIlilll' I I h.' I.:'hangl' hl.'I\\l'l'lIllll' BOI"'l' Illlh.'\ li!!url' ami IIII.'
('lI11l'lIl lillie, figure, I hI.' Ila...e IlIlIc\ figUll' j, ":l?.~~,.,,.., 'I Ill' l't1lll'lll Imle.-\ figurc i... llll' 1II0"'t rCI.:'Cllt Indc\
ligurl' il\<\ilahil' ,.45.." day... prior 10 l'ill'h Chanl!l' Dall'. If the a 111\"11I 1 of Ihl.' dlan~l' i... k...... Ihan olll"l'ighlh of Olll'
Pl'Il.:'l'lll:1gl' POilll, 1111.' dlilllgl' \\ill hl' wUIllil'd 10 Il'ltl, If Ihl' 0111\11\1111 q{ Ihl,,,'hall~l' j, tllll'.l'ighlh or Olll' pCll.:'ClIl:lgl' poilu
01 mme, the Note 1I11ldl'r will round Ihe :'111101111101' lhl' dlilll~l' 10 lhl' IIl'all"1 olll"ciglllh of Olll' pl'll'cnlagc Pllilll.
If I Ill' CUlh.'1I1 11llil', figurl' i...largl'r lhalllhl' Ba"'l' Imll'\ figml', I Ill' 1'\lll'lloldl'l" \\ill ildd Ihe lOlIudcd alllounl
ollhl'l'hangl' lollll' Il1iliallllll'IC...1 I(all'. If Ihl' ClIlll'lIl IlIdl'\ ril!Ull' i.. 'llIalll'l Ihall llil' Ba"'l' IlIdl'\ figurl', Ihl' NolC
Iloldl'r will...uhtral'llhc roullded <llIwulIl or Ihl' dlallgl' IWIIllhl' IlIiliallnlen..',1 Rail', I hl' Il"lIlll1f I hi... addition or ...tlb.
n;u:lion \\ill hl' Ihl' preliminary laiC, If thl'rl' i... 110 dlillll!l' bCI\\Cl'1I1hl' Ba.....' Indl'\ figurl' and lhl' CUHl'lII Illlll'x ngur~
",fler roullllillg, Ihl' Inilialll\lcrl'...t Rail' \\il/be {he prdilllill.H} 1001c,
1('/It,(~ 0//1' /Jill to IwltnJfj' Il'IIj'/IIl'f IlIal'n lI11.l'IIIl1\1I11II11II/11111 OIr /II/('Il'\/llIlt'<htJlH.;I'\; 1/11" /Jill 1\ .1'j'l ~I'rI, IIIi'll' 11'/1I hI' 1I11111l1\1I/1/lm 1IIIII/IIIr
1'/111/11:1'\.\
(I) ~! If thi... box is dlel'ked, Ihere will be lIolllaxilllumlilllit on dlan~l'''' ill thl' interc",1 rate up or dowl1. Th~
prl'liminafY ratc will be Ihc new inleresl ratc.
(2) ,! If Ihis box is l'hccked, the interelol rale willl\ot be changcd by mOte Ihan . .. , . . , . pcrl'cl1tagc points
011 an)' Change Date. The NOlc Bolder will adjust Ihe preliminary rail' so Ihal Ihe change in thc intcrest rute willllot b~
morc Ihan Ihallil1lil. The IIC\\' intercst rail' will cquallhe figure Ihal results t'rollllhi... adjmll1lent of Ihe preliminary rale.
IC) Uleeli,," Illlle <II Chullge'
Endl new interest rate will bccome effct..'livc 011 lhc lIexl Changl' Dall', If my monthly paymcnt changes as a
result of a changc in the inlerest rute, 111)' 1I10l1thly paymcnt will chOlngc as of thc first monthly paymenl <.late after the
Change Dale.
(Il) Nolin' In UnrrU\nr
The Note Ilolder will mail me a I\otke by first class mail at I~Olst thirty amino more than fOrly.fj\,c days
before each Change DOlte if the inlcrest rate is 10 changt:. The Ilotice will advise me of:
O} the new inlcrest rate on my loal\;
(ii) the amollnt of my ne\\' monthly paymellt; and
(iii) any ~H.ltliliollallT1alters which Ihe Note Holder is requircd 10 disclose,
S, 1I01UtOWE\t'S I'AII.UIU-: TO t'AY AS IU-:QtJIIlEIJ
(,\) I.~tc ('h:lr~t' fur On'rdue l'ull1lents
Ir Ihe NOle Holder has 1101 received lhe lull amoulII of any of my monlhly paymellls by lhe end of IS calendar
<..lays after the date it is due. I will pay a lale charge to the Note Holder, The amount or the charge will be SOlo or my
overdue payment or principal and interest. I will pay this late charge only once on any laic payment,
CII) lJelault
If I do I\ot pay the full amount or each mOllthly paymcnt by thc datc stated ill Se~liol1 3(A) above I will be in
default,
(0 Nuliee l"UI11 Nute lIulder
If I a11l iu default, the NOle Holder 11IUY scud 11Ie a wrillenuoliee Idling me thaI if I do nol pay Ihe overdue
Rl1wunl by a l'crtail1 date thc Note Holder may rcquirc mc to pay immediately the rull amount or principal which has
not becn paid and all the interest that I owc ol1ll1at amount. That date must be at Icasl 30 <.lays arter Ihe date on which
the nOlice is mailed to IIIC.
Even if, al a li11le when I am in defauh, the NOle Holder does \101 require l11e to pay immeoiately in full as
,beribed above, the NOle Ilolder will slill have Ihe right 1000 so if I al11 in default at a later time,
. 11"1011' l/r,m tllIl' /1m 1\ dll'd ,'d or II /11I /1m t\ dll','A'I'tJ. fwd I,('/I(fl'r tilt/I /JorfOlI"l'f 1111 nflf IIlhl'rll'iw ll~fI'I';1/ II'filinx, /In' finl/llll/'x nomrd 11';1/ a/lllly.
tlU .1.I)nn'nl ur ~uh.' IInhh.r.... ('II'" utili 1-:\I)l'II""''''
Illhl' NUll' Ilohll:( ha... Icquircd 11I1.'111 pay illlllll'diall:1y ill filII a... dl'",:rihl'd "hme. till..' NOll' !lohler \\ill h;1\1:
Ihe ri~IIlIl' hl' p;,id ha,,:~ hy 1111.' for all ii' lI..'a'lIl1i1hll'l:o~h alld C\lll'I\'C' 10 thl'l'\ll'lIl nol 11I1Ihihill:d hy app\ll.:ahk 1;1\\,
I'ho\l.' 1."111."""''1 lIlil}' ilH:llIlk, hH l'\alllpk, Il'a,ollahlc ;tll"f1ll')'" fcl,",
(" ",,,'VEilS
t\1l~'onl.' \\Ill) ,i~'Il' lhi... Note 10 llillhrcr illo 'OIlH.'lHll' cJ'l' (known a\ all "l'lIllm'll"") wOlin', l'l'lWin ril!hh. Ihn,c
ti~hl' arc It\) thl' Iivh1ll1 ",:quill: Ihl' NOll'll11ldl'110 lk1l1t1IHI paYlIIl.'nl of allHHll\h lIm' (known ii' "prl"1'1I11l1l"1l''') ami
(lU the ri~hl In fI:quill' I hI.' Nllll' Ilnldl'l 10 ~i\'c IIntil'\.' Ihal ;llllOllllh dill' lia\'(.' 1101 hcell paid (klHmn ,,\ "I\olkl.' uf
di...honm").
7, 1;(\'INI; (W NlIIKES
E.'~ellt I'm the 1I0tke providcd ill SCl:linll .1(1)), any "olkc thai I11I1..t hc gi\'cn 10 me under thi.. NOh~ will he gi\'en hy
Ill<.liling il hy ~cnined mail. ^"nolkes will hc .Hldn:.....ed to IIlc.1I thc Property Addre.... OIho\'c. NlItke'l will hI! mailed In
me "t II different ..ddrc.... if I gi\'e lhe Notc lIuldl!r "' notice of my different addre.....
AllY IHllke thallllu..t he gi\'clllo the NOll'llolder t1IHkr thi.. Nnte will he given hy mailing il hy I:erlified mail In tlll,,'
Notc Ilolder :'lIlhe addre~.. "I1.lIed in Section 3(1\) ;,Ihovc. Noticcs will he mailed to Ihe NOle Iloldl'r at it difflorellt :ldllre......
if I am gi\'cn a nntke of tlUlt different addrcss.
K, IlESt'ONSIIIII.Il\' or I'EUSONS llNIlEU TillS NOTE
If more Illan onc person signs this Notc, caeh of lPi is fully and personally obligatcd to pay Ihe full amount owed
~Ind lO h'l'pall "fthl' Jlfl1mi"le.. Illade in this Note, Any guarani or, ..urety, or cndorser or this Nole i'i also ohlig:1fed hI do
the..e thing... The Note Iloldcr may enforce it, rights tinder Ihis Note ag,lln..1 each of us ifldividually or ':Igaiml ~11l of m
together. This mcans that anyone of tiS may he required to pay all of the amounts owed tinder this NOh~.
Any person who takes over my rights or obligillions tinder this Nole will havc all of my rights and must kecp all or
my promises made in this Note. ^ny person who tukcs o\'er thc rights or obligations or a guarantor, surct~', or endorser
of this Notc is also obligated to keep all of the promises made in this Note.
t). UlAN CII"tUa-:S
It could he lhat lhis loan is subject to a law which sets maximum loan charges and that law is intcrpretcd so Ihat the
intere..t or other loan charges collcl.:led or to he I.:ollected in connection with this loan would cXl:ced permitted limits. If
this is the c.l"Ic, thcn: (A) any such loan charge shu1l be reduced hy the :.\l11ount neccssary to reducc the charge to the per.
milled limit; and (B) any SUlllS Lllready collected from mc which eXl:eeded permitted limits will be refunded to me, The
Note Ilolder may choose to m<lke this refund by reducing the princip<lt I owe tinder this Note or by making a direct pay.
mcnl to IllC. If a refund rcduces principal, the reduction will be treatcd as a panial prepayment.
Ill, TillS NOTE SECUIlEllllY A 1\I00nG"GE
In addition 10 the protcctions given 10 the Note llolder under Ihis Note, a f\lorlgage, datcd
. . ,f.!~C;t;fI'!~E:J;' .~ . . . . . . . . . . . . . . " 19. ~~. ,protel:ts the Note Ilotdcr from possible losses which might result if I
do not keep the promises whkh 1 make in this Note. That r\.'longage describes how and under what conditions I may be
required to n1f.lke inllt1edi;.\te payment in full of all amounls that I owe tinder this Notc. One of thosc conditions relates
to allY transfer of the property covered by the Mortgage. In that regard, the Mortgage provides in paragraph 17:
17. Transfer of the Property; Assumption. If all or any part of the Property or an interesl thcrein is sold or
tH1I1..ferred by Borrower without l.ender's prior wrillen consent, excluding (a) the crcation of a lien or cncumbrance
subordinatc to this Mortgage, (b) lhe creation of a purchase money security interest for household appliancesl
(c) a tnll\:.rer hy devise, dcscenl or by operation of law upon the death of a joinltenant or (d) Ihe grant of any lensehnltl
illlere~l of threc year.. or h:ss not conwining an option to purchase, Lender may, at Lender's option, tledare alllhe sums
sccured by lhis Mortgagc to bc immcdiately due and payable. Lcnder shall have waived such option to accelerate if,
prior to the sale or tT<\l1sfer, l.ender and the J1ersol1.~!O wh01l\ Ihe Property is to he sold or transferred reach agreemelll in
writing that Ihe credit or sllch person is salisf,ll:tury to I.ender and thai the interest payable on Ihe sums secured by this
r\'lortgagc shall be at such rate as Lendcr shall request. If Lender has waived the option to accelerate providcd in this
paragraph 17, anti if Borrowcr's succcssor in interest has excculed a written usstlmption agreement accepted in writing
by l.ender, Lender shf.lIl rch:,lse Borrower from all obligations under this Mortgage and lhe Note,
H Lemler exercises such option to acceleratc, Lendcr shall mail Borrower notice of acceleration in accordance
\"Iith paragraph 14 hereof. Such notice sl\f.lll pro....ide a period of not Icss than 30 days from the date the notice is mailed
within which Borrower may Pf.lY the sums dcdnred due. If Borrower fails to pay such sums prior to the expiration of
such period, Lender may, without further notice or demand on Borrower, invoke any remedics permitted by paragraph
18 hereof.
All Adjll\I;lhl~' J{illf.' 10;11I I{hk, \IIPPIcIll~'IlI\ Ih~' :\1orl.~;I~'~' alh11Iltl\llh'\;
If Ih~',c i\ i1lr;lIl...r~'r of Ih~'l'ftlP~'IIY \llhi~'~'llll pillaglilph 11 t1llh~' S~'nllll~ Ilhlllllll~'1I1, 11'lhk'lIlil~ rl'qllll~'
(I) ,Ill ilh:r~';l\~' ill I 1 H.' ~:Il"I,.'111 NOlf.' illll'l\.'\l 'all', 01 (~l ;111 illl"~'a\l.' 111101 1I'lI\O\al olllllc IImll 0111111.' ;11111111111 III ,Ill} lllll'
illl~'H.'\1 ralt.' ..:1I;lllgl' (if Ihcll' i... ;1 IlInin, or 0' a dl;III~~' ill IlIl' lIiI\I' IJldn 'Willi', 01 ,llInl Ih"',~,, '" a (1llhllllllllol
It.'mll'r" \\OIi\'ill~ tht.' oplion 10 ;h:t.''''''''1 all' plm illl'd ill pill .IPI aph 17.
Wi tness
?~t.....1 /I, /L,
/
/
IS.';,11
1I0frtl"'("
Ddle W. Jones, Sr. .
- . -_. --~- ",... ~ (-.
,- =-,< '<"~"\ <, I,: I 01;''';:', ,)"\, '"
S;fi;;~"L:5)~~~J;;(;;\';' .~:~:J' .is.,,1)
...................
, . , , ,IS""')
/lOl'nlll'('1'
(.'l'i.~II ()rigillul ()II~I')
,'t~
.~...'\
AD.JUS. ABLE RATE l.OAN It .Ji',l{
,crrln:: Tilt: SH'I'HIT\' I'STHI'MI:' I sH'1 111 S \ 'on: \I'1f1l'1f C'C" t \"S
,\ I'HCI\'ISICI' "I.I.CI\I"C; Hill C II \";1.' I' 1111 "I f1H.S I 11111 ,'.,
l'Ht:,\St:S I' nit: l"t'.HI':SI It\1I- \Ill I 10 ,t II l'IIH;lI/-III'\\\II'IS,
llt:nu:,\st:S t, HIt: "Tt:HFS I Il,\ II" \I II I 11hl 1.1 " t.0I1 F1l I' \ \ 'II-' IS,
rill"! Rider 1\ 11I.llk till' ~:n~t,. d;l\ 01 .1..,.....~~~,'''t'~l. . 1'1. 8J. .llld I' IlIl'lll(lIlI.lll'd lllltl,llld ,hilll
Ill' ,k~'II,"'d 10 .1II11:nd .lIlll "lllllpkllll'1I1 Ih,,' \ll'II,'.I! \', Ik".t .'1 I'll I .11 I ),'~'d III \",1IIl' Ill'll! 11111" ""I"'l'lIlll\ 111'1111
1111,,'111") tll Ill,,' ',lIlll' d;H~ I.!lll,'lI hv I Ill' Hull,,'! \IL'lll'd illll' ., I till r t1\\ \': 'Ill' ',t" 11Il' lill! I\l\\l"'" "l. t!t' III
YORK FEDERAL SAVINGS AND lOAN ASSOCIMION
(lhL' "ll'lhh:r") llf lhc ,;I!Ih,' lJ.lh..' (till.:' "~n'"'''1 ~llhl,.,l\\.ltlh' rill' 1'1"11(>11\ ,1"'''I..'lli1l't111l rll,,' "'\\'nllll\ 11I\IIIIII1CIII ;lI1d
'",,,oll ill 3, C,qoyel' S~.eet.. ~1~cil.."i';~1J1l1 I, "~'JlI;;ylv""1,, l'IOS5
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~lIdifil':uinn'. III addition 1\1 lhl.' (t\\'Cllall'" ;llhl ,1"1,','11I1,'111' III.HI.. III I hI.' SI.'(lIril\' 11I\llllIlh.'lIl. lhHh}\\l'r alhl
L~ndcr fUrl her ~ovCllanl and ;1~HCt: .." follow,;
.." I:>OTEHEST H"TE ":>OIl MO'T1I1.Y 1'..\ YME:>;] CII\:-.(;rs
file Noll' ha" an "lni,i;,IIIlIl'rl'\1 RaIl''' llI1,.~~!~.HI'.. 1111' :"u'It'1I1h.'Il'\llillt.' 1lI.1\' hl' illl'fl'il' ~'d III dL'CrCa\l',j on the
. .1;5~. day of IhL' 111(111111 bl'~illl1il1~ Oil . . "'.d,r.c,h, .1. . .. .. '" .i:"o.~.. ;1IIt! till Ih;11 d,IY 01 11ll' I1HlIllh l'\'l'fY
. ,1.2. . m(1nrh.~ therea"",',.
('h;If1~l." ill the inll'rcsl r;lll' art,' ~ll\'l'rlh..d hy l'hall~l'''' ill ;1111111"'''' r:III,' illlk', t:alkd ,hl' "IIHln", Thl' Indl':'( htlll::
\('hl,.A "'h'/IIn If/mdll'll'" /ml.'\ I
(1) x:. "C\1I11r:lct !lucre..l Kate. Pllrl:h.I"~ or l'll'villll\!\' 1h"l..'upil'd IItll11e', Natiollal ^\'t:ra~c for all MajtH
Typl;" ~,r I.~ndcrs" puhli,hrd h> the Fedcr:JllIlHn~ I O~11l Billl~ IIn;ud.
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Ie ""'I ~ Olh' h,,, III /IIII/i'I1/I' 11'1,..1111" Ih,'(" 1\ lilli' 1II/J\lIII/l1II1I1I/1/ "" , 1,,/'11,'0" III "'0' 1Ir/, ',"~I ,,1/,' "', 1'111/' ( '11'1111:" /1,,10', 1111" ,," I 1\ t hl'IAI'd Ihl'fl' 1\'/1/
/1"",,/1/11\/11111I1/1/11,,/1'11"11,11I1:,'\.1
(I) x' Thl.'re i, IH' 11I;I\illlllllllimillllll..'l1all!-,l" ill Illl' illl('ll"1 rail' al allY ('hall~l' 1)0111.',
I:!) rite illll'It:,1 rallo' 1.';11111111 hl' I..'h"lI~l'd h~' 11\,11(' 111.111 . . . .. pl'II..'L'llla~l' PIIIIII';II 0111\' ('hanct: Dalt:,
If lhe inlCrC'l mh,' eh:m!!l", Ihl' ,1I1hllll11 \11" B\lrrn\\l'l" 1I1111l1hl\' Pil\"llll'lJl' willl,:ha"~L' ii' prO\i~kd 11I111t: Nnle, In.
cr,,'a'il." illllu: intt:rc'l ralt: will rl'"llll ill hl~lu:r p:lyrncllh. Ik,rl.':I'l" inlh,,' illl,,'r"',1 raIl' "ill,.....ull in l~lwcr pilymCI1I\,
8. LO'" CIIAHGES :!
Ill'unld hI.' Ih~t the Illan 'it:l..'lIred hy 111..' Sel..'urilY Ill,trlll1ll'l\1 i, twhil'l..'llll a law which \t:I\ rna\il11l1Ol IOJn char~t:\
and lh~lt law i'i. i11lCrprl'Ied '0 Ih~ll thl' illlt:rc...1 or OIhl'r lllilll dlilq.!\', 1..'011..-..'1\.'11 or III hl' l'tlll..'l'lt:d in I..'llllncction with Ihe
loan \\ouIJ t:\ect:d pcrmittl'u limih, If this j, thl' e;!'ol,., 11l1'1!; (..\1 ,lilY ,udlltl:in dmrgc \hall he rcuw:L'd by the amoullt
nCt:c"ary III redul..'c Ihe ehargl.' I~l the pcrmitlcu limil: and (H) ~IIlY '1um\ alll'i1dy I..'ollt:l't..:u rmlll 'IorftH\'l'r which c,cccd,
cd pl.'rmillt:d Iimil!' \\ill he rdullJcJ to Uorrn\\o'er. I t:lIlkr Illay dUlO,t: 10 mall' Ihb rl'funu hy rcdudng the principal
o\l,cd under Ihe NOIC or by milling a dirl'," raymcn! III Borrow..:r.
C. PHIOH I.IE~S
If l.l'ndcr dClcrmillt:s lhal all nr any r:ul or Iht: s1I11I' 'it:t:lIrl'd hy Ihi, SecurilY 11IslrUJIll'1lI are "iUhjcCI 10 a lien
\\o'hkh 11;1\ priorilY ovcr lhi~ SecurilY InSlrUnlCnl. I.cllI.lt:r may 'il'l1d Borrower a nOlil..'L' idcl1lifying Ihallicn, Borrowcl
shall promptly Ul't wirh regard to Ihal Iit:n a'i provid,,'d ill paral;raph -lllr Ihl' Security I t1'i1 flIl11t:nl or shall promplly
"'Cl'urc an agrcl!01ell1 in a forlll ,atbf;'ll..'lllrY 10 1."'Il<.h.'r 'lIbtlrdin:llilllJ. Ihal lien In Ihi, Sf,'l'urlIY In'ilrtlmctll.
I), TR"~SFEH (n' TilE t'HOI'ERTY
If lhe.:rc.: i\ a tran..r..'r of Ihe Properl~' \lIbil'Cl10 para!-'rapl117 Ill' till' Sn'urilY In,lfllllll'lIt, 1.l'lIlh.'r may requirc (II
.m illl'rl'a'l' in thc \,.'urrl'l1t NOlt: imcrl,..t ratt:, or (~l all IIIl'rl';t..1.' ill (01 rt:l111I\";1i nt'l lht: limil t1l1lht: alllounl or any ont: in,
Il'rc\1 rale I..'hangt: (if lhcrl' is a !imin, or (.1) a l'hangc in rhe.: Ba'l' Inti"" figurl', M allllflhl"l', ,\'. a I..'tllldilion or I.cndcr\
wi1i\ill~ lhl' l'plinll III i.Il'I..'l'lt:rall' pmvidt:d in paragraph 17.
By ,i~nin~ (hi\, Bnrrnwt:r ;I!.!rf,'f," III allllf Ihe.: ahtl\l'.
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Dolle Jllnei,I'I'Ig
RE. I\HulInl NH
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11,\ 1711.55."218
II)
nUlM
\,OIU\ n:l1f:nAI. SA VINGS ,\NU 1.0r\N ASSOC'A TION
Your mortK.lIIC IS In serious defuult beclluso you hll"'c fill led 10 pay prompcly inu.llhnents of principal and inleful. ob required, for il
l}(rloJ ur .Ill":.ul Sillly (60) dolYs. '1 he loCal amou", oflhe delinquency is SSJ,96.&.67 TIlolI sum includes the followint:: l'rlndplIl nue,
11IIrrul Uur, F.scrow Oue, ..n.ll...le Ch..r~rs.
Your mort!;oI!:c is .11\0 in tldauh lelr Ihe following reolStlll'
(Use this pangruph only if applicable)
You moJ)' be eligible for financial ilSsist'lnce Choll will pre...enl foreclosure on your mong,)ge if you comply wllh the pro...isions of Ihe
lIolllcllwnen' cmcrGcncy MOrlg,)ye Assislance ,\CI of 1983 (111.: "Acl"). YIlU may be eligIble fot emeq~ency leOlporary ilSsisl.:lJlce: if yoUt
Jel;ul!t has becn c,)useJ by circumslances beyond YOllr control, ::md jf you meer the eligibllilY requirements of the Act iU delcrmmed by
the Pcnns>l...ania I lousing Finance Allcncy. Please read all of this NOlicc. It COnl,)ins an e;(planalion of va lit ril.:hlS.
Under the ACI, you o1te enlilled 10 illemporllr)' SlilY or foreclosure on your mon&lge for thirty (30) days from the d,)le oflhis Nolice.
During Ih,)lllme: you must arrange and attend il "face-lo-face" meecing with a represcnl,)U...e oflhis lender, or with il designaled consumer
credil counseling 'lgency. TIle purpose of this mceting is to ')llempllo work oul arepaymcnJ p/J/l, Of ro otherwise: sctdc your delinquency.
TIlis rneefill~ mU~1 occur in the ne~llhiny (30) davs.
II you attend,) face.lo.till:e mecling wilh this lender, or WiUl a consumer credil counseling agency identified in Ihis notice, no funhcr
proceedilllt in mongalte foreclosure may lake pl'lce for thirty (JO) days 'lller the date Oflhis meeling.
'1111l name. address and lelephllnc: number of our represenlolli...c: Is:
York Federal S.....lngs and Loan Associalion
101 Soulh George Slrrel, P.O. 001 15068
York, Pennsylvania 17<405
Tl:lcphone Number: (717) 8~6-8777. !-:(Iensilln 2."3
TIle name(s) and 'lddress(c$) ot" (a) d..:sign,)ted consumer credit counseling ayenc)'tic:s) is (are): See atlached nhibil. II is only
necmat}' to schedule one filCc-lo~face me":ling. You should advise this lender immedi')lely ofyout iOleolions.
If you have: cried and arc unable: to resol...e: Ihis problem ac or aller your race-Io.face meeting, you have the righlto ,)pply for linanci,)/
assistance from the Homeowners' Emergency Mortgage AssiSlance Fund. In order 10 do this, you must fill out, sign and tile,) complered
Homeowners' Emergency Assislance Applicalion wilh one of the designated consumer credit counseling agencies listed llbo...e. An
:IppJiclllion lor assistance may only be oblained from a consumer credit counseling agency. The consumer credil counseling agency will
assisl you in tilling OUI your llpplicallon and will submic your compleled applicalion 10 the Pennsyl...4tIia Housing Finance Agency. You
musl a I 10 one oflhe consumer credit counselin ' a 'endes lisled in lhe allached exhibil far;so a !icalion within 30 da s of our race:
Io-Iacemeclin~.
It IS exrremel im ortanlthat aulile ourn !ication rom Ilv. If...oudonotdoso,orif au do nOI follow Ihe olherlime eriodsset
forth in Ihls lelter. lorec osure maY roceed a 'linst our orne immedlatelv an au will 0 ctt our ell Iii tor i1Sslsunce.
Available limds for emergency mongagc assislancc are very timiled. TIIl:Y will be disbursed by the Agcncy under lhe eligibility
crileria established by lh.: Act
It is cXlremel im on,)nt Ihou Your i'l !icalion is IIccutQle and com letc in e...e res ecl. The Penns IV.ilnia Housin Finance A enc
has SIXI... 16 ) Ja s 10 mOl e,) decision al er It receIves vour a hcatlon. OUting lhat addilionallime, no orec[osure: procce In~S WI be
pursued agalnsl you it you have met Ihe lime requirements sello above. You witl be nQlilied direclly by Ih'lt Agency of its decision on
yourapplicalion.
1111; Pennsylvania llousing Finance I\gency is localed at 210 I North Fronl Slreet, P,O. Box 8029, llarrisburg, PA 17105. Telephone
No. (117) 780-31100 or 1.800.j42-2397 (loll free numher).
Enclosed also is anolher nOlice trom Ihis lender under ACl6 of 1974. That nolice is c,)lIed a ''Nolice of Inrenlion 10 Foreclose". You
must read balh notices, sInce lhey bOlh explain rights thlll you now ha...e under Pennsyl...anla law. Howe...er, if you choose 10 exercise
yout righls described in this nOlice, we cannOI foreclose upon you during Ihat lime. Also, if you receive financial assistance from the
Pennsyl...ania Housing Finance Agency, your ham.: cann\1t be: loreclosed upon while you are recei...ing thaI assislOUlce. (Use this
parngrnph only if ,)pplicable).
Sincerely,
GLr~
CERTIFIED MAIL. UP 976727159
Return Receipt Requesled
"Address Correction Reqllcsred"
Ogden F. Dickerson
Colleclion Departmenl f\.lanager
)r~~,
(Jiue: June 5, 1998
CL"'RENE I. JONES
J I E COOVER ST
MECIIANICSIlURG
I'A 171155"'218
Dear CLIIIRENE L JONES:
He: Mort~i1~e t\c('(JII/U No, II... J 550291 34
NO_neE OF INT/:,NTlON ro fUllECI.OSE MORTGAGE
111e Mortgage held by York Federal Savings mId Luan Associalion (hcrcinancr "wc, us, or ours") on yuur property locatcd at 31 E
COOVER ST MECHANICSDURG I'A 17055-~218, IS IN SERIOUS DEFAULT bccause au hove nOI mode Ihe monlhl
o ments of5J47.45 for lha month. of OClober 19971hru June 1998. \l-ale chnrge. hava 01.0 accrued 10 th. dnla In l,e amount 01
e tota amounl now reqlllre 10 cure IS elau t, or m O"er word., get caught up In your payments, ns oflhe dnte oflhl. leller,
is SJ964,67.
You ma CUrc this delaullwithin TIIIRTY JO DAYS of thc datc of this Icucr. b 0 in to us UIC abovc amounl of SJ964,67 Ius
on adduional monulI a ments and la'e char e which ma lall due durin this eriod, Such paymcnt mUsI be mode .i'hcr by cash,
cnshie(s c eCk, cenitred check or money order, and mode at 101 Sou George Streer, 1',0, DOK 15068, York, Pennsylvania, 17405-7068,
to the attention oflhe collections departmcnt.
If you do nOl cure the default wi'hin THIRTY DAYS, We intcnd to excrcise our right to accelerate the mortgage pa}ments, 11,is
means that. whatever is owing on the original amoanl borrowed w.1I be considered due immediately, and you may lose the chance to pay
ofT the original mongage in monthly inslallmenlS. If full payment of the nmount of default is not mode wilhin THIRTY (JO) DA YS, we
also intend to instruct our attome s to start a lawsuit to foreclose our mort 0 ed ro e ,If Ihe man a e is foreclosed Our man a;ea
ro e will e sold b the Sheritf '0 a off 'he mort a e debl. If we reter your case to our attorneys, but you CUre lhe default efore
'hey begin legal proceedings again'l you, you will Slill have 10 pay the reasonable attorney's fees actually incurred. up to $50,00,
However, if legal proceedings are slarted against you, you will have 10 pay the reasonable attorney's fees even if they are Over $50,00,
Any attorney's fees will be added 10 whatever you owe us, which may also include our rcasonable costs, If you cure the default within lhe
thi dav eriod, vou will not be re aired to a attome 's fees,
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, If yo a have not cared
lhe detault wiU,in ,he thirty day period and foreclosure proceedings hove begun, au slill have Ihe ri It to cure the defaalt and revenl the
sole al an time u '0 one hour before the Sheriffs foreclosure sole, You ma do so b 0 in ,he 'ota amount 0 the un .i man I
a ents Ius an lale or other char es 'hen due os well as the reasonable attome 's lees and costs connecled w.th e oreclosure sole
and enorm on olher re uirements under lhe mort a e, II is eSlimated 'hal the earliest date dtal such a Sheri s sole cou e he d would
be approxima'ely six months li'om the date of this nOllce, A nOlice of the dale of 'he Sherifl's sale will be sent to you before the sole. Of
course, the amoam needed to cure the default will increase the longer you wail. You may find out al any lime exactly what the required
paymenl will be by colling us at ,he fOllOWing number: (717) 846-8777, TI,is payment mUst be in cash, cashier's check, certified check or
money order and made payable to us allhe address Sla'ed above.
YOll shuuld realize that a Sherin's sale will end your ownership of Ihe mortgaged property and your right 10 remain in il. If you
continue to live in the property aner the Sherltfs sale, a lawsuit could be Slarted to eviCl you.
You have additional rights to help pro'ect your interest in ,he property. You have the right 10 sell the property to obtain money to
payoff the morlgage debt, or to borrow money from anolher lending institution to payoff this debl, You m.y have the right to
'ell or trnnsfer Ihe property ,ubjeet to the mortgage to a buyer or Iran.ferce who will assllme the llIortgage debt, provided th.t.1I
the outstnndlng payments. charge. and a!lorney's fee. and costs arc paid prior to or at Ihe .ale, and thatlhe Olhcr requirements
under the mortgage arc satisfied. Contact us to determine ander what circumslanees this right might exisl. You have the right to
have this defaull cured by any Ihird party acting on YOllr behalf.
If au cure the default. ,he mort a e will be restored to the same osition as if no default hod occurred, However, you are not
entitled to this right '0 cure your detaull more than 'hree times in any calendar year.
Sincerely,
C'~ rD.,.
CERTIFIED MAIL -III' 976727159
RetllOJ Receipl RequeSlcd
"Address Correction Requested"
Ogden F. Dickerson
ColleClion Department Manager
VERIFICATION
I verify that the statements made in Ihe foregoing Complaint are true and
correct to Ihe best of my knowledge, information, and belief. I further verify that I
am a Sr, Vice President of YORK FEDERAL SAVINGS AND LOAN
ASSOCIATION, and that as such, I am authorized to make this Verification on its
behalf, I understand that false state men Is herein are made subject to the
penalties of 18 Pa,C,S, 94904 relating to unsworn falsificalion to aUlhorities,
Dated:
le/t" h?
YORK FEDERAL SAVINGS
AND LOAN sse IATI
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