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I'I-.NNSYI V,\NI,\ S I ,\ II I \II'III\'I'I-.S
('101111 IINIIIN,
IN I J II'. ('llllRI OI'COMMON I'I.EAS
,( '1II>IIILI(I.AN/J ('OllNIY.I'I:NNSYI.V ANIA
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(WII. J\('11l IN NI),
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NOTICE TO I>EFENI>
YOll haVl' hl'CII slIcd ill cOllr!. Il'yolI wish In defend against the claims set forth in the following
pa~es, )ollnn"lla~e aelioll wilhilllwellly (20) days aller Ihis COlllplainl alld NOliee arc served, hyelllering
II \Uilh.'u IIppcararu.:c personally or hy ntlornc)' and liIil1g in writing with the Court your defenses or objcc-
lions 10 Ihe claims sel lill'lh againsl YOll. Yon me warned Ihal if y"n Ii,illo dll Sll. Ihe case may proceed
without you mltl 11 judgl1lcnllllay he enlered against you hy the Court without lilrthcr notice for any money
claimed in Ihe Complainlllr Illr any olher claim or relief reqllesled hy Ihe Plainliff. YOllmay Illse money
or properly or other rights illlport:l1It In you.
YOll SIIOUI.D TAKE TI liS PMER TO YOUR LA WYER AT ONCE. IF YOU DO NOT IIA VE
A I.AWY"'( OR CANNOT AFFORD ONE. GO TO OR TELEPIIONE TilE OFFICE SET FORTII
IIEI.OW T<) FIND (lllT WIIERE YOU CAN GET LEGAL IIELI'.
LlIU'Y('fS Rt.1erel1ce SeFl'ic(!
CllmhL',/mul CtJlIII(t' Bar Associatioll
Two Libert)' A"l!lIl1(!
Ctlrli,,"e. Pellll.lJ'/l'{lIIitl 1711I3
Telep//(J//e: (7/7) 249-3166
AVISO
LJSTED IIA SIDO DEMANDADO/A en corle. Si IIsled desea defenderse de las demandas que se
presenlallmas adelallle en las siguienles paginas. debe lamar ace ion dentro de los proximos veinle (20) dias
dcspllcs de In notilicacion de csta Demanda y Aviso radicando pcrsonalmcntc 0 par media de un abogado
una comparcccncia cscrita y rndicando en In Corte par cscrito sus dclcnsas dc, y objcccioncs a, las dcmandas
prcscntadas aqui en contra suya. Sc Ie advicrtc de que si listed falla de tamar accion como sc describe
anleriormellle, el easo puede proeeder sin usled y un 11,110 par eualquier sllma de dillero reelamada en la
dcmanda () clIulquicr aim reclamacion 0 rClllcdio solicitado par cl dcmandantc Pllcdc scr dictado en contra
suyn por la Corle sin mas aviso adiciona!. USled Pllede perder dillero 0 propiedad u olros derechos
il1lpoftuntcs para listed.
USTED DEllE !.!.EVAR ESTE DOCUMENTO A SU AIlODMiO IMMEDIATAMENTE, SI
USTED NO TIENE UN AIlOCiADO 0 NO I'UEDE I'AGAR!.E A UNO, !.LAME 0 V A Y A A LA
SIGUIENTE OFlCINA PARA A VERIGUAR DONDE I'UEDE ENCONTRAR ASISTENClA !.HiAl"
Lawyers Referellce Sent;('t!
Cllmberlllllll CIJ/IIl(V Bllr A.\',l'Ocilll;oll
Two Liherty Al'I!/II1t!
Cllrlisle, Pel/l/.ly;..tlll;1I 171J/.1
Teleplllme: (717) 249-.1166
By
1'. Stephenson Matthes
Attorney LD, No.67408
100 Pine Street
P. 0, Box 1166
Harrisburg, Pennsylvania 17108-1166
(717) 232-8000
Attorneys for Plaintiff
Pennsylvania State Employees
Credit Union
Dated: /9 - (. - j8
7, lhe Nllle and Mnrl~a~e prllvide Ihal Defendanl \\ ill he in de"nllt if Defel\(lanllilih
In pay lhe full iUlllum! uf' each monthly paY"ll'nl \\ hen duc.
K, lhe Nnle and Mnrl~"~" prllvid,'lh"tI'SH '1lm"y nlllil~' Defendanlnp"n <Iefanlt Ihal
Defendanlmusl pay Ihe overdue amllulIl hy a cerlain dalc IIr he re<luired to pay imlllediately Ihe full
amllunt of principal which has nol heell paid alld the iulcrest o\\cd IIulhal amoun!.
9. Defend"nt has de"nllted on Ihe Nole and MOflgage hy ",iling 10 make proper n"'nthly
payment since AugUSI22. 1997.
J 0, On or ahoul Oeloher 22, 1997. I'SECU senl Defendant a notice of inlention to exercise
its right to accelerate the SUlllS due under Ihe Note if the default is not cured within thifly (30) days
("Foreclosure Notice"),
II. The Foreclosure Notice was sent to Defendant via the United States Mail. Certified Mail.
Return Reccipt Rcqucsled. and was returtled to PSECU by the United States Postal Service on Novcmber
8, 1997. marked as "unclaimed", A true and correct copy ofa Foreclosure Notice. together with a Returtl
Receipt of Defendant. is incorporated by reference and attached as Exhibit "C",
12. On or about October 23, 1997. PSECU sent Defendant the notice required by the
Homeowners' Emergency Moflgage Assistancc Act of 1983 ("Act 91 Notice"),
13. The Act 91 Notice was sent to Defendant via Ihe Uniled States Mail. A true and correct
copy of the Act 91 Notice. together wilh a Certificate of Mailing for the Defendant. is incorporated by
reference and attached as Exhibit "0",
14, Under the Note and Mortgage PSECU has the right to recover from Defendant all of the
costs and expenses in collecting the SUIllS owed and due to PSECU under the Note and Mortgage.
including reasonable attorneys' fees,
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ADJUSTABLE RATE NOTE
(I Year Tr.as~ry Index-Rate Caps)
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY.
..11.l'i.C;;!;:.l".Il,\';R...itL..........., 19.~.7.
HARRISBURG
.........................i.ci;;"j'........................
PENNSYLVANIA
.........................isi~;~r.......__._-
..?.:l.:?....~:r.~:n;...~.:r.Bgg:r.....~gl?.:r....f.~IB.Y..!~W./.....~~~.~.~X~)(.~.~I~....)..?g.~.?..................................__._
[Property Addrc.u J
1. BORROWER'S PROMISE TO. PAY
In return for.a loan that I have received. I promise to pay U.S. $ ..:aa...6.QO..,O.O......... (this amount is called
"principal"), plus interest. to the order of the Lender. The Lender is ................................................................
..1?.l'iNt:lS.XJ.Y.AI\IXlt..S.:rh.r.,l;;...r;Mf.l<9.x.!'!gl?....~.l.lg1?.;l;.r....!l.1'n;.Q.~........... ..................................................................
I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Note is called the "Note Holder."
:z. INTEREST
Interest will be charged on unpaid principal until the full.mount of principal has been paid. I will pay interest at a.
yearly rate of 8..2.5.......%. The interest rate I will pay will change in accordance with Section 4 of this Note.
The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any
default described in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by ma.\~1!. aayments every month.
I will make my monthly payments on fbe:amcday of each month beginning on .......J.<Ull.lar.Y...22...................
19...811.. I will make these payments every month until I have paid all of the principal and interest and any other charges
described below that I ma! owe under this Note. My monthly payments will be applied to interest before principal. If.
on ........p..~.9.~m!?~.:r....L......... 20 ..12... I still owe amounts under this Note. I will pay those amounts in full on that
date. which is called the "maturity date."
I will make my monthly payments at ...P....a....BQX...l.O.0.6.....Har.r.i.ab.l.U:.9.,...l'h......lZ.3..Q.6........_._
................,............................................................,. ......,............................................................................. or at a different
place if required by the Note Holder.
(B) Amount of My Initial Montbly Payments
Each of my initial monthly payments will be in the amount of U,S. $....23.0....3.9........ This amount may change..
(C) Monthly Payment Changes
Changes in my monthly payment will renect changes in the unpaid principal of my loan and in the interest rate that I
must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in.
accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on ~)C~.....December...2.3........, 19..6.6.., and on thatday
every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date."
(B) The Index
Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average
yield on United States Treasury securities adjusted to a constant maturity of I year. as made available by the Federal
Reserve Board. The most rcccntlndex figure available as of the date "5cdays before each Change Date is caUed the
"Current Index." 6 O.
MULTISTATE ADJUSTABLE RATE NOTE-ARM Sol-Single Family-Fannlo Mae/Freddie Mae Unnorm Inotrvment
Form 3501 3/85
("
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(C) Nollce of Default
Ir lam in derOIt, t~e ~Ie rJ!llder may se,gme!;! wrillen~OtiJlelling me Ihal ir I do not pay the overdue amount
by a certain date, Nie NOle Holder may require me to pay immediately Ihe rull amounl or principal which has not been
paid and all the interest thai I owe on Ihatamounl. Thai date must be stlensl 30 days arter Ihe dale on which the ootlce
Is delivered or mailed to me.
(D) No Walter By Note I/older
Even ir, at a lime when I am in derault, the Note Holder docs not require me to pay immediately in full as described
above, Ihe NOle Holder will still have the right 10 do so if I am in derault at a laler time.
(E) Pay_t of Nole Holdet"a Coall and ExpellHl
Irlhe NOle Holder has required me 10 pay Immediately in rullas described above. the Note Holder will have the right
to be paid back by me ror all oritscoals and expenses in enrorcinglhis Note to Ihe extent nol prohibited by applicable law.
Those expenses include. for example. reasonable attorneys' fees,
S. GIVING OF NOTICES
Unless applicable law requires a different method. any notice that must be given to me under this NOle will be given
by delivering it or by mailing it by firsl class mail 10 me althe Properly Address above or ala different address in sivethe
Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under Ihis NOle will be given by mailing it by first clas. mail to the
Note Holder attbe address slaled in Seclion 3(A) above or at a different address if I am given a notice of that different
address.
9. OBLIGATIONS OF PERSONS UNDER TIllS NOTE
If more than one person signs this NOle, each person is fully and personally obligated to keep all oftbe promises made
in this Note. including the promise to pay the full amount owed. Any person who is a guarantor. surety or endorser of this
Note is also Obligated to do Ihese thinSS. Any person who takes over these obligations. including the obligations of a
guarantor, surety or endorser or this Note. is also obligated 10 keep all of Ihe promises made in this Note. The Note
Holder may enforce its rights under this Note against each person individually or against all of us together. This mcau
that anyone of us may be required to pay all of the amounts owed under this Note.
10. WAIVERS
I and any olher person who has obligations under this NOle waive the rights of presentmenl and notice of dishonor.
"Presentment" means the right 10 require the Note Holder to demand paymenl of amounts due. "Notice or dishonor'"
means Ihe right 10 require Ihe NOle Holder to give notice 10 other persons that amounts due have not been paid.
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections givm
to the Note Holder under Ihis Note. a Mortgage. Deed of Trust or Security Deed (the "Security Instrument"), dated the
same date as this Nole, prolects the Note Holder from possible losses which misht result if I do not keep the promises
which I make in Ihis NOle. That Security Instrument describes how and under what conditions I may be required to
make immediate payment in full orall amounts I owe under Ihis Note. Some oflhose conditions arc described as follows:
Transf.r of the Property or a Beneficial Interest in Borro"er. Ir all or any part of the Property or any
interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transrerred and Borrower is
not a natural person) without Lender's prior wriUen consent, Lender may, at its option, require immediate
payment in full or all sums secured by this Security Instrument. However. this option shaU not be exercised by
Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not
exercise this option if: (a) Borrower causes 10 be submiued to Lender information required by Lender to
evaluate the intended Iransferee as if a new loan were being made to the transferee; and (b) Lender rcuonohly
determines that Lender's security will not be impaired by the loan assumption and that the risk of a hreach or
any covenant or agreement in this Security Instrument is acceptable to Lender.
To the extent permilted by applicable law. Lender may charge a reasonable fee as a condition to Lender's
consent to the loan assumplion. Lender may also require the transreree to sign an assumption agreement that is
acceplable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note
and in this Security Instrument. 'Borrower will continue to be obligated under the Note and this Sccurity
Instrument unless Lender releases Borrower in writing.
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IIp,u.&bo..'Nt l....hlf"ItOfdi",O."1
MORTGAGE
TillS MORTGAGE (..Stcllrily"lnslrument'~ is (Jiven on ...................D.~~f,:.t'm.J;;g,..~.~"'"....................."............
198.1..... The morlgllor is ... .. .....D.f;.X.t\Pgf;...A.,.......q...~.~......,.......h........,......... ................."..........."".".........................
....p....."....rvo.ni;;'.Sfaft......'... "E' .....1' ............C; (~or{friY~~.). This Securily IlISlrumenf is 8i~en !o .........:."..'''........:...''...
~~d:;I::i~;,~.~i::::::::::::::::::::::...~~::::~~~:::::::::~::::~:::::::::::::::::::::.~.~d'~.h'~~~~dd;~~.;~.::~.:.~l,~.e~.~r.:~~.r~Q..~,~,~~~~~
;.~~.bur.g."~A..l7.1,OB",,,.,"',.,..,",.,""T'.i'ENT'i" EHiiiT" 'tHOU S^ND"'~t CUt" fiUNIY~~tj"i:i1Und""),
orr et own under the pnnclpal sum of ."".... ........,......................................,............................................,,,....................
.NO 11 0.0. ..:::.":'.::'.:-::::::....":'.:':'.:':'.7:.~.~.:-:.:-:.7:.":'" Doll.rs (U.S. S.h..~.a.,..e.9.Q.,..O'.O.....). This debt is evidenced by Dorrowet's nOle
dated tbe same date IIlhis Security lrulrumenl ~'Nole"). w~j3h pr~~~cg for monlhly payments, with the full debl. irnol
paid earlier, due and payable on .............."....p..~...~.~.~.'?:E.........f,............."'.......,..,...................... This Security Instrument
~cura 10 Lender: (.) the repayment of the debt evidenced by the NOlt, with interest, and all renewals. extensions and
modiftcaliolls; (b) thc payment or.1I (Jlher sums, with interest, advanced under paragraph 7 10 prolect Ihe securily orthil
Security Instrument; and fc) Ihe ptrfolm~nuofDorlowu.s coyemmts~nd agreements under this5ecuriry Instrument and
Ihe Nole. FOr Ihis purpose, Horr~wer clors ~creb~ morlgage. granl and convey to Lender the followingdcscribed property
IOCII rd in ..................................... .1;-!!!!!:?~ .~.. .~.r.a........ ................................"....... ........... ........ ............. County. Pennsylvanll:
BEING the same premises W~h Hilda M. BerrY'
Rerry. hy her deed dated ~ ,;j.3 ,411'7
stely prior hereto, grante~ and conveyed unto
gagor herp.ln.
ALL THAT CERTAIN lot or tract of land Ai tuate in the Borough of West
Fa1rvlew, County of r::umherland and ::ltate 0(' Pennsylvania, more par-
ttcularly ~ounded anrt rtescrlhed 8S follows, to wit:
SF-GINNING at a point on the northerly line of State Street which
point 15 9.20' feet eaRtwarc11y of the northeasterly corner of Third
and State Streeta; thence Horth 23 degreeR 50 m.1nutes F.aat ~7.03 feet
to a point on the Aoutherly line of Clay Streetj thence along same
North 75 degrees ~~ minuteR East 24 feet to a point; thence South 11
degrees 41 minutes East 21.47 feet to a point; thence South 3 degreeR
34 minutes West 50.15 feet to a point on the northerly lIne or State
Street aroresalc:l j thence along Rame North 63 degrees West ~8. 81 feet
to a pOlnt, the place of B~OINNHIG.
HAVING THEREON F.RECTF'D a dwelllns house known all and numhered 235
State Street.
Trustee for Rohert A.
and recorded 1mmedi-
DcirdreA. Nowak. Mort-
which hIlS the address of ............ .2.3.5 ...S..t.a.t;~....S.t.r.~.f:.t;..................m.".....".., .........".....'(/.~.!?.t....f.."'j..1;.X.~.~w........N.
[S',u'l {CIty]
Pennsylvanin ...................1-7-0'-5.,..................... ("ProperlY Aclclrcu");
11,p~Od~)
TOGETHER Wlnt all the improvemenls now or hereafter erected on the property, and aI/ ca5ernenls, rights,
appurtenances, renlS, roynllies, mineral. oilnnd gns rights nnd prollls. waler rights and stock and all 'blures now or
hercnftera part of the property. All replar-ements and additions !ihallalso be covered by this Security Inslrument. All ortbe
foregoing is referred toin this Securily InMrUme111 a!i the "ProperlY."
BORROWER COVENANTS lhat narrower is lawfully seised of the estate hereby conveyed and has rhe righl 10
morlgage, grant and convey Ihe Property llnd Ihal Ihe Property is unencumbered, excepl for encumbrances of retord.
Borrower .....armnts and will defend generally the title 10 Ihe Properly againsl all claims and demands, lubj<<t to Iny
encumbrances of record.
TillS SECURITY INSTRUMENT combines uniform covenants ror nation:lI use and non.uniform covenants with
limiled variations by jurisdiction loconslilule a uniform :lecurity inSlrumenr covering real property.
PENNSYLVANIA_Single Flmlly-fNMAlfHLMC UNifORM INSTRUMENT
BOOI. h~JfJ r^~[ 1.035
form 3039 .12183
UNIfORMCO"'[NANn 1I0rrn\lotr qntll.rndrr :o\tn.lnlln41 ati't,,,, 14,llrlw\
I, "aymrn, ot I'r/nelpal and 'nlutlli I'rrpaymrnl Ind ',ale (ll"un, lIulllIwrr \h,1I rfm"p,l) rly ~hrn dut
11,t' rrinc:iral o(.nd inlrrnl on lilt' drhl t\'ulrnctd by Iht' NOlr .nd Iny prtl")'lIltllll/ld lilt (h"ln tlllt undu rllt NOlt
Z, Fund.tnrTuuud Inturanu. SubjtC:Iluappllcahlr Ilw III 1111 wrllltn "',u~rr h)' I.t'nlltr, f1orrllwrnh,lI pit)
fo J.t'oder on Iht dllY monlhly p.yrntnli Ire due undt'r lhr NlIIe, unlillhr Nlllr., 111111 In 'ull.. 'urn fTund,") r(lud III
onr.lwclnh 0(; (" Yt'lIly lun Ind "'It'''mrnl\ whIch m.y 11I1In !,Iwmy lI~rr 1111, Sot'cu,.,y IO,lrUlnrnl; (hI )'url)'
It'atehold "Iymen" or ground renlt on Ihe "ropmy, If Iny. (c) yurl, hUlrd In,uranct JHtmium,; .nd (1.1) yurl.'
mortaale inluflllce premiuml. if Iny, Tht'\e ilenn are ral/rd "t'(lllW lI~m, .. 'thlltr 11I1' t\lull..'t' Iht !'und, t1Ut on lilt'
hnil ofcurrtnl dll' .nd re"onahlt tslim.lelofruIUrt r'('ro.... IItm'
Thr funds ,hili bt hrld in an insllllilinn Ihe dtrO\il' fir U'CIIunh flr~ hid, III' 'lI'ult"d tlr ,ulrlnlttd by. frdull or
\laIc lI.ency (including J.rndrr If lender il ,uch In in"ilullon), I.rndrr 'hllllllflly Iht Jlunlh In PlY rhe r\{'row ilt""
ltndt'r :nlY nnl charge fnr holding Ind Irplying lhe Fund" Inllyrln.,he I("~nu"l or ~enrylO' Ihe e,c:rnw Ilenu, UlIlt"
ttnder paYI Rorrower inlernl OFt Ihe fund. IlId Ippl.cahle I.w I'I'rnlil' I.rndrr In mde .uch I ch.rat, lIorrnwu In,1
Lendcr may alrte in wrilinllhll inleresl s"..1I tle paid on Ihe IIUlld" Unl.." III I"etmrnl .1 mlde or Ipplicable Ilw
rtquires inlertsllo be paid, Ltnder shaUllnl he rrquirt'tllo pay IInrroYfer .ny IOlrrnl or rarnin,t on Ihc Funds_ Lender
,hall gi~t 10 Rorrower, wilhoUI charge, an annuAl IccounlinB or,hr Fun',h ,howin, cred." and drbll. 10 Ihe ,Iundllnd lhe
purpott ror which each debil to the Funds Wit made. Tht Funds afe p1rdlrd It .ddllionaJ ltCurily rmlhe 'um, ucurell hy
thil Security 'ntlrumenl,
Iflhe Imounl or'he Funds held hy Lenller, 10Belher wilh Iht' 'ulurr monlhly plymenh o'Pund, payable rrior 10
the dUt dales oflhe e,crow hem., shill ellCted Ihe amounl required 10 ply III.. r'crow ilelT1\ when due, tht rllcn' Ihlll~,
at lIormwer', oplion, eilher prnmplly rtpaid 10 Rorrowrr or crediltd 10 lIotrower on monlhly "Iymenl.l or Fund" 'f Ihe
amount'oflhe FundI held by Ltnder il nOI lufficlenllo pay Ihr t'scrow Ilcms~ht'n due, Harrower 50hlll ray 10 Lender Iny
amOllol necessary 10 make tip the ddieiency in one or milre paymenl,.. requirt'll hy l.tndcr,
Upon plymenl in full or III Sums stcured hy Ihi: Securily In"rument, Ltnder shill promplly rrfund 10 lIorrowrr
any fund, held by l..rnder. If under 11lJtagraph 191he Prol'l'r1Y is lold or ICquired by under, Lender shllllppfy, no Illtr
lhlln immedialely prior 10 Ihe sale of Ihe PIO[l(rlY or ill acquisilion by undtr, Iny Funds held by lender Illhe lime or
application lIa credil agllinSllhe IlImssecuted by Ihil Security Intlrumrnl,
3, Appllcallon nr Payments, Unles, Irrlicable law pro~idu olherwi\t, III paymeOlS receivt'd by Lender undtr
paragraphs land 2 shall be applied: first, 10 lale charges due under Ihe NOll'; st'Cond, fa prepaymenl chllrgn clue umlt'r Ihe
NOll'; Ihird,lo ImoLlnl. plyablt under pnrngrnph 2; TOl1rlh, toinlerelCdue;and ''''',10 principal due.
4, Charats; l.lens. norrow" shall pay IlIlllllC$, u\tssmcnl" charg<<, lints .nd imposilionslllribulable 10 Iht
Property which mfty aUlin priorhy ovrr Ihi.. St'curily Inmumenl, and leasehold paymenfS or ground renl', ir any.
narrower shall pay Ihese obligalions in Ihe mnnner provided in parngrarh 2, or if not paid in Ihal mannrT, Ilorrowtr "h.dl
pay Ihem on lime direclly 10 lhe peflOn owed pllymenl. Borruwer shill prnmrlly rurnish 10 lender.1I nOlietl of amountl
10 be paid under this paragraph. rr Borrower mlkeslllese paymenls direclly, norrower shall promplly furni'h 10 Leudrr
receipl'ievidenc:inglhepaymenIS,
Borrower shall promplly diJChllrge any liro which has priorilY over this Sec:urily (n'!rument unlelS Uorrowrr; CI)
agrees in wriling 10 Iht raymenl orlhe obligalion secured hy Ihe lien in 1I manner acceptable 10 undtr; (b) conlesls in good
faith Iht litn hy, or derend, Iglinst enrorctm:nl orlhe lien in, Irgal rrocerding. which in Ihe Lender's opinion Operale 10
flreVtllllhe enforcelOenl or Ihe lien or forreilure or any rIll or Ihe Prorerl,: or (c) securtl rrom Ihe holder orlhe lito an
IIgretmenl snlisr.,clory to Lender subordinating Ihe lien 10 Ihis Srcurily Instrument rr Lendt'r delermintllhllllny pllrl of
lht ProperlY is suhject 103 lien which mfty lIlIlin priorilY over Ihis Security 'n"rumenl, Lender may give Dorrowrr II
nOlice identifying Ihe litn. Doftower 5h.1I1 ~alisfy Ihe licn or lakt one or mort oflhe actioos sri forlh ahove wilhin 10 clny.
llrthcgivingornolice.
S, Hlzard Insurance, Dorrower shall keep Ihe improvemenls now tllisling or herelfler trtcled on lhe Properly
insured aglinsllo~.. by fire, hazards included within the lerm "u.lended co~eragt" Ind any olher hazards ror which Ltndrr
requires insurllnct, This insurnnce sh;lll he mnintained in fhe amounr.. and ror Ihe periods Ihal lender requires. The
insurance carrier providing Ihe insurance shall bt: dlOsen by Dorrower lubjt'Ct 10 lender's approval which shnll nol he
unrealonably wil hhdd.
All insurnnct ro1icies nnd rent'wnls shnl! be nccerl;lblr 10 Lender nnd ,hall include II !llandard morlgage dau\<<:.
Lender shIll have llle righllo hold Ihe rolieic:s and renewnb. Ir lender requires, Dorrower shllll promplly give 10 lender
Illl receipls of raid rremiums and rentwnl nOlices. In Iht eVent of loss, Borrower shall givt rrompl nolicc In lhe insurance
carrier and Lender. Lcnder may makc rroororJoss irMI made promrlly hy Oorrowtr.
Unless ltnder nnd Borrowerolherwise Ilgrec: in wriling, insurance procetds shall be arp:ied 10 reslnralion or rerair
ofllle Property d~maged, irlhe reslaralion or repllir is cconomically rcasihlt Ind Lender's security is "01 lessened, Jr Iht
restoralion or rerair is nol economically rea5ible or Leoder's security would be lessened, Ihe insurance proceeds shall be
Ipplied 10 Ihe sums securtd by fhis Stcurity 'oumment, whrlhtr or nOllhen due, wilh Iny exceu paid 10 Dorrower, If
Dorrower abandons Ihe Properly. or dOl.'S nol answer within JO days a nOlice from lender lhat Ihe insurance carrier has
offtrtd to tellle II claim, lhtn Ltnder may collt'clthe instlranee proceeds. Ltnder may use lhe proceeds 10 rtpairor reSlOrt
Ihe Propt'r1Y or In I"lY Sums 5ccured hy lhi.~ Securily 'nslrumenl, whelher or nOI Ihen due, The 30-day ptriod will begin
when Iht norice is given,
Unless Lender and Dorrowerolhenvi~e agree in wriling. any applicnlion of proceeds to principal shall nOI eXlcnd or
poSlpone Ihedue dule Oflhe mOnlhly paymenl~ rererred 10 in rar:Jgrllph~ land 2 or change the amount or,ht payments. Ir
under paragraph 19the Propttly is ncquired by Ltnder. Borrower's righlto !lny insumnce policies and procced~ resulling
from damagt to Ihe Properly rrior 10 fhe aequisilion shall pll5~ 10 lender 10 th~ c",lenl oflhe sums steurtd by Ihis Securily
Inslrllmcnl immediately prinr 10 Ihellcquisilinn.
6. Preservlllion nnd l\lainlenllnct or Properly: Leaseholds. norrowrr shall not destroy. damagttlrsubslanlially
change the Proprrry, ;llIow tht Prorerl)' 10 deleriorale or commil Wllstt'. "Ihi. SecurilY Insltumrnl is on a leasehold,
Borrowtr shall comply wilh lhe rrnvision'i nrthe lease, and if norrower acquires fee litlr 10 the ProperlY,lhe leaschuh.J llnd
rec lillc shall nOI merge unlcssLender agrees 10 the mergtr in wriling.
7. PrOleeH"n or l.eniler', Rlllhl'i In Ihe Property; MorlUlI.IIr Insurance, If Borrower rails 10 prrrorm Ihe
co~enanls and agreemenlS conlained in Ihis SteUrify In~lrllmenl, or Ihtre i.~ n Irgal procrt'ding Ihal may significalllly afTrcl
lrnder's rigillS in Ihe Propcrry (sllch llS 11 Procccding in hankrurlcy, rrob;lle, for condemnalion or 10 enforce la.....s or
regulalions), Ihrlll.ender may do nnd P;lY for whaleveris necessary ro rrolecl Ihe value nr,he Properly Ind lender's righls
in Ihe Property. I.ender's Ilclion_~ may include paying any ~ums secured hY:l lien which hIlS rrioriry over rhis Securily
Inslrumenl, appraring ill courl, paying reasonable illlorneys' fee.~ nnd elllering on Ihe Property 10 make repairs. Allhough
lender may lake nction IInder thi~ rnr;lE:mph 7, Lrnderdors nol ha\'e 10 do so.
Any 1I1T10UlIls di~hllrsc:d hy Lendcr under Ihis pnmsr:lph 7shall hrcome ;lddilionnl deht or Ilorrowtr Stcurrd by Ihis
Secllrily Inslrumelll, Unlcss Rorrower tlnd Lender asrer 10 Olher lerms nfpOl}'menl, Illese ilmounls shall bear inlerc~1 rrom
Ihe dale nr disbl1r~cmc:nl al Ihe Nll1c ralc lwd shall hI.: rOl)':lhJe. wilh illlcrest, upon nnlice from Ltl1der 10 Borrower
requeSlingpnymtnl.
bDO~ bU(J r,\~f In:}l;
, \ :: ; ~ ' ) , :, J
rf Lender required mmlllage insurance 11\ 1\ wnd.holl Ilf mll~'"1t Ihe loan '<<urell by Ihi, Secutlly In"rumenl,
nnrrower ,hall pa)' the premiurm relllliTetllO maintain Ihe lnUlrance In efTecl unlll sllch lime a, Ihe reqUlremenl fnr ItlC'
imuraoce lerminares in accordancC' wirll IInrrnwu's,lnd l.el1t1er', 1lof1IlC'n Igreefllelll or IIpphcable law
8, I",pecllon, Lender or ill aRenl RIll)' male rU\lInahle enttie, ullOlllnd in'reclinn, or Ihe rroptrl)' 1'lIIler
shall give 1I0rrower notice It! the lime of or prIOr 10 nil inlptl'llon 'r'fl'lfyinR re.l\ollablecau'c for Ihe Impttlion
9, Condemnation, The proceeds or all)' award lit chl1m for dAmaS". dirr't'l or con!tf)ucnrilll, in connC'CIIHII wilh
an)' condemnalion or olher lilting of any ran of the Properly, or fur cOll\'C'yance in lieu of cnndemnuion, arc llereby
lI\\igned and shall be paid 10 lender,
In Ihe e\'enl of a 101_1 I_king of Ihe Property, lhe pmceed, shall he llpphrd 10 Ihe sums secult'd by lhil Securil)'
In"lrumenl, whelher or nollhen due, wilh any excelS pllit.lln lIorrowu. (1Ilhe uent ofa pllttiallaking oflhe Properl)',
unleu Dorrower and lender olherwise agree in writing,lhe snms secured by Ihi, Securit)' Inslrumenl ,hall be reduced by
lhe amount of Ihe procew, mulliplied by Ihe following friction: ea) the 10lal amounl ,,( lhe sum\ s~ured immedilllel)'
before the liking, di\'ided by (b) Ihe fair mlltket value oflhe ('roflerl)' immediately before Ihe lAking. Any bllance shall be
paid 10 Dorrower.
rr lite Properly is abandoned b)' norrower, or if, after nolice by Lender to Dorrower Ihallhe condemnl1t ofTen to
make an award orseule a claim for dnmagn, norrower fnils 10 resflClnd 10 I.ender Wilhin lOdays after Ihedate IIle nolice is
given, Lender i\ allthoriled 10 collect and npflly lhe prnceed" al it! Opllon, eilher 10 re\loralion or repllirofthe Profltrly or
10 the sums secured b)' this Security lnstrumenl, whtlheror !lolthen due.
Unless Lender and norrower olherwise agree in \lo'riting, any appliealion ofprnceeds 10 principII shall nOI e.lend or
J'KlSlpone Ihe due date orlhe momhly payment' rderred loin paragraphs I and 2 or change Ihe amount of such pa)'menIS.
JO. Borrower Not Released; Forbearance 0)' Lender Not. Walnr, I!.tension of the lime for pa)'menl or
mndiflcation of amorlization or IlIe sums .~~lIred by Ihis Securil)' Inslrument sramed by under '0 any successor in
interesl orUorrower shall nnC Ofltrale 10 relea~e the Iiabilil)' orlhe originlllllnrrower or Dorrower'$ SUcce~-'Ors in intereu.
Lender shall not he required 10 commence proceedings againsl any successor in inler~t or refuse to extend time for
pa)'ment or otherwise modif)' amorlizarion oflhe sums secured by Ihis Securil)' In~lrument by reason orany demlnd rn3de
by the original Burrower or Borrower's successors in inleresl. Any forbearance by I.ender in exercisinB Iny righl or remed)'
shall not be. waiver of or preclude Ihe ellereise of any righl or remedy.
II, Suceettors and AssIgns Dound: Joint and SeYeral Liability; Cn.sleners. The covenant. and agrecmenlS or
this Securily In5trumenl shall bind and benefit lhesucce,"~ou and anignl or Lender and norrower, subjecllo the provisions
ofp03t3graph 17. narrower's covenanl5 and agrcemenlS shall bejoinl and !ieVerlll. Any Borrower whn co.signs this Securily
InSlrumenl bUI due!; nOI tllecule the Nllle: (II) is eo-signing Ihis Securil)' Inslrumenl onl)' 10 mOrlgace, IrMt and convey
Ih..t Horrower's inlere~t in Ihe Propert}' under Ihe terms oflhis Stturil)' InSlrumenl; (h) i~ nol relSonall)' obligaled 10 pa)'
Ihe sums lOecured hy this StturilY In~trumellli and (c) agrees Ihal Lender aod any olher Borrower may agree 10 e.lend,
modify, rorbenr or make any accommodation.~ with regard 10 the h:rms oflhis Securily Inslrumenl or the NOle wilhout
that Dorrower'.,cnnsent,
12, I.oan CharJlu, Iflhe 10tln secured by Ihis Securily Inslrumenl is subject 10 a law which sets m4llimum loan
eharges. and lhal IlIw is tinally interpreled so Ihal Ihe interC!it or ocher loan charles collected or to be collected io
coonection with Ihe /o<ln eXce~lthe permilled limih, then: (a) Iny lOuch loan charge shall be reduced by Ihe amounl
necessary to reduce Ihc charge 10 the permilted limit; tlnd (b) any sum.~ already collecled from nmrower which tllct'c:ded
permitted limits will he refunded 10 Horrower. lender may choole 10 make Ihis refund by reducing the principal owed
under the Nalear hy making a direct paymenttn Borrower, Ira reruncl reduces principal, the reduction will be trealed as.
partial prepaymenl WilhoUl an)' prepllYOlcnl charge under Ihe Note.
13. LeRlslallon AtrecllnR lender's Rights, If enaclmenl or e~pir..lion of applicable laws has the dfecl or
rendering an)' provision Oflhe Note or Ihis Seeurily Instrument uncnrarccableaccording 10 ils terms, Lender, at ilsoplion,
ma)' require immediale payment in full or all slims secured by thi~ Securit)' InSlrument and may invoke any remedies
pcrmitled by paragraph 19, IfLcndereJlercises thisoplion, Lender shall lake thesleps sflCcitied in the~ond paragraph of
p.lotagraph 17,
14, Notices. Any notice to Borrower provided for in thisSecurilY Inslrument shall bcgiven by delivering il or by
mailing it by fa,.., class mnil unless applicnble law requim u.~e of another melhod. The nOlice shall be dlrecled In Ihe
Property Address or an)' 01 her address Dnrrnwer designates by nOlice to tender. Any nolice 10 Lender shall be given b)'
tinl class mail 10 Lender's address slated herein or an)' olher address Lender designales by nolice to Dnrrower, Any nolice
provided for in this Securily Inslrument shall be deemed 10 hllve been given 10 Borrower or Lender when given as provided
in fhis paragraph,
IS, Goyernlns: r.:'lW; Se,erahlJlly, Thi.~ Securit)' Inslrument ~hnll be governed hy rederallaw and lhe law orthe
jurisdiction in which Ihe Property is IOCaled. In the evenl Ihal any provision or clause of this Seeurily Inslrumenl or Ihe
Nole conflicrs wilh applicahle law, such conmct shall nOlafTeel olher provisions of Ihi., Security Instrumenl or lhe Note
which can be given effecl Wilhoullhe cnnmeling provision. To thi.~ end the provisions Oflhis Security fnslrument and Ihe
Nole lire declared lobe severable,
16, Horrnwer's Copy, narrower shnll be given one conformed copy orlhe NOle and oflhis Security Instrument,
17, Transfer nr Ihe Property nr a nenetic/al Jntereslln Borrower, If all or an)' paM of Ihe Property or an)'
intere!;! in it is solei or transferred (or if a heneficial interest in narrower is sold or Cransferred and Borrower is not a natural
person) wilhout Lender's prior wrillen con~enl, Lender roay, al iu oplion, require immediale payment in full of all sums
secured by Ihis Security In~lrllmenl, However, Ihi.~ oplion .~hall not be eltercised by Lender if exercise is prohibiled b)'
redernllalV U orthedllle o(this Security Instrument
If Lender eJlercises Ihis option, I.ender shnll give Borrower nOlice ofacceler:alion, The nOlice shall provide a periOd
Mnot less than lOd:ay~ from lhe dale Ihe nOlice is delivered nr mniled within which Dorrower must pay all sums secured by
this Security Instrument. If Dorrower fnilsto pny Ihese sums prinr 10 the eJlpiration of this period, lender ma)' invoke any
remedies permilled bYlhi~Securil)' Instrumenl wilhout rurlhernoticeordemand on Borrower,
Ig. Dorrower's Rlcht In Reinstate, If norrower meets certain conditions, Dorrower shall have Ihe righlto IIlwe
enforcemenl Oflhi, Security loslrumcnt di~conlinued III11ny time flrior 10 lhe earlier of: (a) S days (or such other period as
applicahle law may speciry for reinslatemenT) before sale of the Properl)' pursuonllo any power ofslle ,conlained in this
Security l05trumenli or (n) enlry ofa judgmenl enforcing Ihis Security InSlrumenl. Those conditions are Ihal Borrower:
(n) pa)'s Lender all sums which then would be due under Ihis Security InslrUmen! and Ihe NOle had no acceleralion
occurred; (h) eures any defflull of any olher covcnonls or agreemenls; (c) pays all expenses incurred in enfnrcing Ihis
Securily Imlrument, including, bUI not limiled to, reasoonble n"orneys' fees; and (d) likes such aClion as Lender may
reasonably require 10 assure Ihal Ihe lien of this Securily IM!rUmenl, Lender's righls in che Propert)' and Borrower's
obligation 10 pay Ihc Sums secured by thi~ Securily Inurumenl shall conlinue unchanged, Upon rein5lalement by
Borrower, Ihis SecurilY In51rumenl and Ihc nhligolinns ~ecured hereby shall remain fully effecrive as if no acceleralion had
occurrc:d. However, this right to reimrnle sh:lll nor apply in the cue ofaecelerntion under paragrllphs 13 or 17.
bOO~ h~.I(J PM,r HJ:J7
L. ~ _1:~;~
NnN.UNI' OItM COVCN....Nn lIormYo'tr and Lenller fUflhtr CllVtnanl anll"lttn fullow"
19. Accclcutlon; nll"',dln. hndtt ,hili Iltt nnlh:e to Dono." p"lIr III "ult'."lln (1Il1owlng IIn"""er',
bre.th or.ny to"naol or 11",meolln thl. Stcurlty Inttrumenllbul nul prill' 10 ICccltnUlln IIndtr p.ugtlph, U and 17
unlelt Ipplltable I... pro.ldn olhtr"I,!). l.fndrr thlll notify IlllrrllltCr n(, Imong olher Ihlnllt: 1.llhe deflull; Ibllh
,('Uon ,'qulrfd 10 cure Ihe def.ull: f(') "hen Ihe defaull mutt be cuud; and (dllhll faUure 10 cure Ihe default a, spcrlfi,d
m.y relullln .t('fI..,.lIon orlhe luml ICcurrd by Ihl. Sreurlly In'Crumen.. (orcelotu" by Judlrl.1 proctldlllK ud ..Ie o(
Ih. Property, Lcndrrsh.lI funh" Inform nOllo"cro(th, rlllhllo rclntl'le arltrleul".llon and Ihe r'llhllo 'Utlt In Ih.
loredolure proceedlnllhe non.ullltnu or. def...1t or .ny olher defenle o~ lIono.Cllo .cut".llon and (or<<loI..". II
lhe dtlault It nol t'U,ed "Ipulned, Lender.t III option m.)' requlr. lmmldl.I, p'ymenl In fult of.lllumllecured by thl.
S<<urlly tnslrumcnl "Uhoul (uflher dem.nd .nd m.y (oreelnl' Ihl, Sccurlly InlUumenl by judlrlal procledlnllo tender
Ih.1I be enUtled to coll,el.1I tlpen.tllneurnd In punulnlllhe remedlu pro,jdld In thl, pa"II"ph 19,1neludlnl. balnol
limited to, 'llernty.' rCfll.nd COlli o( IlIlt ttldence 10 lh. nlenl permllled by 'pplluble I.w,
20. I.ender In Poueulon. Upon accelefllinn under puallllph 19 or .b.ndonrnenl of the ProllCflY, Lender (in
perMm, by agenl or by judicially 'ppOInled rrceiver) shan be enlllletllo enlrr u(lOn, lake poncs\lon or .nd man1le Ihe
l'ropttlY .nd 10 eollecllhe rtn" of Ihe Property includinlthO$e pul due. Any rcnll collccled hy tender or the leceivtl
shan be .pplied ""t 10 p.ymenl of the cml. of mlnlgement of the Prorer1y Inti collection of renlS. includlnil, bUI nul
limiled 10, recciver', ret1, premiuml on recei\'u', lHmdl ud rellson.ble '\lorncys' fu\, .nd then 10 the sums lecured by
Ihil SecurilY In"rumenl.
21. ReluM. Upon JUymenl nr .lIlumt s<<ured by thil Securil)' InslIumcnl, Lender Ih.1l discharac Ihis Securily
Instrument without charle 10 Harrower, Borrower sh.1I pay any rrc:ordationc01u.
22. Relnal.tement Period, Dnrrowcr'llime 10 reinst'le provided in pl1l1gnph 18 Ihall eJllend 10 one hour prior 10
the commencement of bid din. al I,heritrs ~Ie or olher sale pursuantlo this Securily InSllument.
23. Purchlle Mon,y Mortaaae.Uany orlhedebtlecured by this 5<<urily Instrumenl is lenllo Dorrower loacquire
tillc lolhe Property. thi, Securily In'trumenlsh.1l be a purchase money murlsage.
24. (nleretl Rale After Judament. Dorrower agrces thallhe inlernl rate payable .fler ajudgmenl i\ entered on Ihe
Nole or in an aclion ormorlgage foreclosure Sh31l be Ihe file payable from lime10lime under the NOle.
25. Rldc,. to Ihl. Secarll)' (nslrumenl.lfone or more riders are executed by Dorrower and recorded logether with
Ihis Security Instrumenl,lhe co...en.nts and asreemenll or each such rider shall be incorporated into and shall amend and
lupplemenl the covenanll and agreemenls of lhis Security Instrumenl as if the rider(s) .....ere I part of Ihis Security
Inslrument. [Check applicablebox(es))
BJ AdjuslAble Rate Ridcr
o Gradualed Paymenl Rider
o Other(s) (speciry)
o Condominium Rider
o Planned Unit De...c1opmenl Rider
o 2-4 Family Rider
rt
('f'1
,~
tY'
re
BY SIGNING BELOW, Borrower accepts and agrees to Ihe lerm' and covenanh conlained in Ihis SecurilY
Instrumenl and in any rider(s)cxecutcd by Borrower and rrc:orded wilh it.
~~~%,~...,",..,"""
"'lYotrt?r~~wgf:~.,,:~~!
......................,............"...............".........,..........."........
. ......,..............,.........,............(Se81)
-"'-
COM MONwEALTIIOF PENNSYLV....NI.......,... . Cumberland, .,...,.,.".... ,Counly~s:
On Ihis, Ihe". .,;3..t::d" ..day or,.."... December.,.,.... 19.87.. before me,il. Notary.,...,..
Public...,...,....,. .the undersigned officer. pcrsunully uppeared,.. DeiJ:dre .A... .Noowak....,..",.
..., ." ,.....,."...."..,..,."...."..."... ....... ... ........... known to me (or salisraclorily
proven) 10 be the perSOn... ,whosc nalllc.is.. .. .." .subscribed III Ihe within instrument and acknowledged lhat
she....,.,., . executed the same ror the purpnse.\ herein conlained.
IN WITNESS WIIEREOfl, ) hercunttl scl my 11>In<l and official seal. ,\,"""'"
c;q:.. ..~~,~:~,,,...
.. . /.~./a-... ,..... "'.)'. _. ';.
Notary Puh1-i.c- ., ..' ',;.~~ %
....,.,.".",.""" ,;,;,;~;~,;;~<; . ",:::::.::'}l' ..
'.:,:,'aJ~\'''.
.... '.:0'
My Commission expires:
llSA M.'.iU Ul:H. Nc!~ry P~blie
(.mp H;il. (ll:n~Jellanu Co.. Pt.
My (ommiufol'l E~pirrs May 13. 1991
. ~. :.: :.-.:::. ..
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~orl< h811 "/,IJ 1(J:JH
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AlJ.JtJSTAlll.E RATE RIDER
(I "tlr h,.\u" Indn-Jhl~ Clp')
111lS ^f)JU'iT"or.1 :itAd' R-,IH:k'li made lhi,,:~_2 J.p1diy o,~ ., P'.f;~.~'!lhl!r.. ............. It/i..?... '. and I,
Inwrro,alC'ft loin .lnll ,hAil he .1C'C'IfIC'd Il) Imend .Ind lurr!emeoltht Mottl.gt, Deed of TrUll or Securil)' Otcd (Ihe
~SC'~U'II}' rn'l,u'"tnl~) of lilt \.Inu' d.lt (:vtn bJ.. the undtf\if'cd (Ihe "Uonowc'''6 Ie. Iccure Borrower', Adjuuablo
Rile Nllle (lhc "NOlcH) 10 l'Etm~YL. ..A_Nl . SJ'.~,'~L. MI~,L(n.P:..~..S,'~.f-;.,..!,r....\.!~J9H............................"
(the "Lendcr") or Ihe ume date Ind coverinl ,he properl)' ducribcd in
the Srcutll) 11t\lflmu:nl .nd Itlol:.lltd.ll
2 J 5 STATr. STREf:T. WEST FA' RVI EW ,..,.PF.NNS,VLVAN',A,....JIq,2..~.. ....,......",..........""",,,...,,,,..,,.......
Irll'I'l',I) ~do.l'flll
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE
AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S
INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM flATE THE BOil-
ROWER MUST PAY.
AOnIfIO!'\lU. COV[N4N1S. 'n addnion 10 lhe co...enant'lnd 1I1reemcnl!l made in Ihe SecurilY (mtrument, Borro_er
and tender (urlher covenant and aKree IS (allows:
A. I~'HREST RATF. A~O MONTI/I.Y rAYME~T CIIANGES
The Nole pro...ide.. for an initioll interest r.:lle of .,.I;I:,..!.~.,..~ OThe Note prO\'idcs furchangcs in the inlerest raleand Ihe
mnnthly raymen", u follow...
4. INTERfo~" RATE ANn MOSTlIl.Y rAYMENT CIIANGr."
IA) Chanlf f)alfll
The inlerest rate I will pay may c;h:lnge on tlIc14cc~X1k.",.Dcc.cmbe.r...2.3..........., 19RB...., nnd on lhal d.y
e...e,y I ~th month there:'ifter. Each ct"le on which my inlerest rale could change il called II "Change Date."
to) Thf Indu
Beginning wilh the fir~1 Chilnge Date. my irllercst rale will be bued on an Index;. The "Index" i, the weekly ....erage
yield on United Slates Trea~ury Iccurilics adjusled 10 a conltant maturity of I year, as made a...ailable by the federal
Reser...e OUi:ud. The mo..t reeenl Index figure available as of the date 4'S days before each Change Dille is called the
"Current Inde..... 60
If the lndu is no longer avtlil.1ble, the Note Holder will ch~e a new index; which is based upon comparable
inform3tion The NOle Holder will Give me notice of lhis choice.
lei Calculatinn or Chilneet
Defore elleh Change Date. the NOle Ilolder will calculale my new inlerest rate by adding .....twoo....and............
OO.~.7.n,~.tf................ percentage points (.....~.t.~......%) to Ihe Current Index. The Note 1I0lder will then round lhe
re..ult of this addition 10 the nearest one.eighth of one percentage point (0.125%). Subjectlo the limits staled in Section
41 D) below. thi~ rounded amount will be my new interest rate unlilthe next Change Date.
The Nole Holder wHllhen delermine the amount of the monthly payment thai would be sufficient 10 tepay lhe
unp3id rrincipallh3t I am expected to owe althe Change Date in full on the maturity date at my new interesl rate in
substanti.1l1y equal r3yments. The resuh of this caleulalion will be the new amount of my monthly payment.
(0) LImits nn Inlutsl Rale Changn
The interesl rate I am required 10 pay at the first Chilnge Dote will not be grealer than "..Sl.."I~.............lJ.ntlen lhan
....:!..,}.~...........,'A.. Thereafter, my interest rale will never be increased or decreased on any single Change Date by more
Ihan one rcrcCnlllge point (1,0%) from Ihe r.:lle of interest I have been paying for the preceding twelve months. My
interc\l rate will never be greater than ..JJ.I..?~.....%.
lEI Effecth(' Date of ChanJ:6
My new interc~t r3te will become effective on each Change Dale. I will pay the amount of my new monthlypayment
beginning on the fir.~t monthly payment date 3fler the Ch3nge Dale untillhc amount of my monthly payment changes
again.
(FI NOlice nf Changfll
The NOle Hurtler will deli vcr or mail to me 0 nOliee arMY changes in my interest rate and the amount of my monthly
payment before Ihc eITeet;ve date of any change. The notice will include information required by law to be given me and
al~o the title and rclerhone number of II rcr~nn who will t1nswer 3ny question I may have reguding the notice.
O. TRANSFER or TilE rROrF.RTY OR ,\ 8ENEFlCIAL INTEREST IN BORROWER
Uniform Coven"nt 17 of the Security Instrument is amended to re.1d a~ follows:
Trans(u of the I'rufltrry or a RenefidllllntereSlln Borrower. If nil or 3ny part of the Property or any interest in it i,
suld \IT transferred (or if a beneficial inleresl in Borrower i.~ ~Ilhl or tr3nsferred and Borrower is not a natur31 reuon)
.....ilhout Lcnder's prior ....rillen eonscnt. Lcndcr m3Y. al its option, require immediate payment in full or all sumHecured
b} Ihi~ Security Instrument. However, this option sh:lll not be exercised by Lender if exercise is prohibited by federal13w
;IS uf the date of this SecurilY Instrul'"lenl. Lender also shnll not exercise this option if: (a) 80rrower C.1use~ tn be
_ubmilll:d to I.enller infllrmalilln rel.juireLl by l.ender t t .Iluate the intended transferee as if3 new loan were being made
tll In.: transferee: ;\nd (bl Lender rC3sonllbry delcrmines thaI Lender's security will not be imp3ired by the 103"
;hSUlllplilln anLlth;lI lhe ri~k of a breat:h of lIny cm'enanl or agreement in Ihis Security Instrument is acceptable to
I.cOlkr.
MULTlSTATE ADJUSTABLE RATE RIDER-ARM S.1-SIn!Jr~ Fil~lry-Fannl. Mat, Fffddle Mac Unllorm Instrument
1:011' 1l:J!1 f',11;t10:\!1
Form 31093,BS
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PENNSYlVANIA
STATE EMPLOYEES
CREDIT UNION
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October 22, 1997
166608728
Loan #L8
Deirdre Nowak
235 State Street
West Fairview, PA 17025-3236
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union
(hereinafter we, us, or ours) on your property located at 235 State
street, West Fairview, PA 17025-3236 IS IN SERIOUS DEFAULT. The total
amount required to bring this account current as of October 22, 1997 is
$812.85. A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You have THIRTY (30) DAYS from the date of this letter to cure this
default by paying us the above amount of $812.85, plus any additional
monthly payments which may fall due during this period. Such payment
must be made either by cash, cashier's check, certified check or money
order, and made at the address stated below.
If the default is not cured within thirty (30l days, we intend to
exercise our right to accelerate the mortgage payments. This ~ans that
whatever is owing on the original amount borrowed will be cons~dered due
immediately and you may lose the chance to payoff the original mortgage
in monthly insta~lments. We will also instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is
foreclosed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt.
If you cure the default after we refer your account to our attorneys,
but before actual legal proceedings begin, you will still be required to
pay the reasonable attorney's fees up to $50.00. If the default is
cured after legal proceedings begin, all reasonable legal fees,
regardless of the amount, will be added to the total owed on your loan.
Only if the default is cured within thirty (30) days will you avoid
legal fees.
If we are forced to foreclose and the sale of your property does not pay
off the total debt, we may also sue you personally for the unpaid
balance and all other sums still due under the mortgage.
If you have not cured the default within the thirty (30) day period and
foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's foreclosure sale. You may do '0 by paying the total amount o~
the unpaid monthly payments plus any other charges then due, as well as
the reasonable attorney's fees and costs connected with the foreclosure
sale land perform any other requirements under the mortgage).
It is estimated that the earliest date that such a Sheriff's sale could
be held would be 90 days from the date of this letter. A notice of the
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990, (717) 234-8484' (800)237-7328
Mailing Address: P.O. Box 67013. Harrisburg, PA 17106.7013' (717) 777-2100 (TOO) . (800) m-1967 (TOO)
Sa""l"_ i<mnd L9" 1100,000 III tlt _ Crod! Urian__
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date of the Sheriff'a aale will be aent to you before the aale. Of
course, the amount needed to cure the default will increaae the lonqer
you wait. You may find out at any time exactly what the required
payment will be by call1nq me at (117)234-8484 or toll free at (800)237-
7328. My extension is 3120. This payment must be in cash, caahier'a
check, certified check or money order and made payable to PSECU.
You should realize that a Sheriff's sale will end your ownership of the
mortqaqed property and the r1qht to remain in it. If you continue to
live in the property after the Sheriff's sale, a lawsuit could be
atarted to evict you.
You have additional riqhts to help protect your interest in the
property.
YOU /lAW TIlE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PM: OFF THE
MORTGAGE DEBT, OR TO BORROlI HONEY I'RDH ANOTHER LENDING INSTI'roTION TO
PAY orr TIllS DJ:IlT. (YOU MAY HAVE TIlE RIGHT TO SELL OR TlUINSn:a TIlE
PlIOPDTY lIllBo:lEC': TO TIlE HOI\'tGAGZ TO A BUYER OR 'rllANSi'EIlEIC lIRO 1fILL
ASStlIlZ TIlE YOIl1'GAGE DEBT, PIIOVIDED THAT ALL TIlE OUTSTANDING PAnlENTS,
CIlAP.GII:S AND ATTORNEY'S I'EES AND COSTS Am: PAID PRIOR TO OR AT TIlE SALE,
[AND THAT TIlE O':IIER RZQtmlElllmTS tlRDER TIlE Y:)RTGAGE Am: SATISFIED].
CONTACT US TO DETElUaNE UNDER llHAT CIRCllHSTJlNCES TIllS RIGHT HIGHT
EXIST). 'lOll' HAW TIlE RIGHT TO HAVE TIllS DEFAULT CllRED BY A TIIIlUl PARTr
ACTING ON YOUR BEHALr.
If you cure the default, the mortqaqe will be restored to the same
position as if no default had occurred. However, you are not entitled
to this riqht to cure your default more than three times in any calendar
year.
Sincerely,
f~Q..~
Edward Bates
Collector
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Exhibit D
IHPOR'rANT: NO'rICZ or HClIIZOllNItRS'
J:HE1lGEIlCY MORTGAGE ASSISTNlCZ ACT or 1983
pLEASE READ TIllS NOTICZ. YOU KAY Il!: ELIGIBLE reR
rIWINCIAL ASSIS~CE TOWl\IUl YOIll\ ItOI\TOAOE PAYMENTS.
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union on
your property located at 235 state Street, West Fairview, PA 17025-3236
is in serious 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 $812.85.
This sum is good through November 21, 1997.
A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You may be eligible for financial assistance that will prevent
foreclos~re on your mortgage if you comply with the provisions of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You
may be eligible for emergency temporary assistance if your default has
been caused by circumstances beyond your control, and if you meet the
eligibility requirements of the Act as dete~ned by the pennsylvania
Housing Finance Agency. Please read all of this Notice. It contains an
explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on
your mortgage for thirty (30) days from the date of this Notice. During
that time you must arrange and attend a face-to-face meeting with a .
representative of PSECU, or with a designated consumer credit counseling
agency. The purpose of this meeting is to attempt to work out a '
repayment plan, or to otherwise settle your delinquency. This meeting
must occur in the next thirty (30) days.
IF you attend a face-to-face meeting with a PSECU representative, 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 of PSECU's representative is the undersigned and'rnay be reached
at PSECU's address or by calling (717)234-8484 or toll free (800)237-
7328. This representative's extension is 3120. The name and address of
the consumer credit counseling agency in your area is Consumer Credit
Counseling Service of Western PA.,Inc., 2000 Linglestown Road,
Harrisburg, PA 17102, 717-541-1757. It is only necessary to schedule
Main Address: 1 Credtt Union Place, Harrisburg, PA 1711(}'2990, (717) 234-8484' (800) 237-7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106.7013' (717) m.2100 (TOO)' (800) 472.1,967 (TOO)
Sa-Angs lodonIy _ up III $100,000 by'" _ ClIcIl Urion_
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one face-to-face meeting. You should advise PSECU immediately of your
intentions.
If you have tried and are unable to resolve this problem at or after
your face-to-face meeting, you have the right to apply for financial
assistance from the Homeowners' Emergency Assistance Application with
one of the designated consumer credit counseling agencies listed above.
An application for assistance may only be obtained from a consumer
credit counseling agency. The consumer credit counseling agency will
assist you in filling out your application and will submit your
completed application to the Pennsylvania Housing Finance Agency. Your
application must be filed, or postmarked, within thirty (30) days of
your face-to-face meeting.
It is 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 No~th Front
Street, P. O. Box 8029, Harrisburg, PA 17105. Telephone No. (717)780-
3800 or 1-800-342-2397 (toll free number) .
If you choose to exercise your rights described in this notice, we
cannot foreclose upon you during that time. Also, if you receive
financial assistance from the Pennsylvania Housing Finance Agency, your
~ome cannot be foreclosed upon while you are receiving that assistance.
Sincerely,
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Edward Bates
Collector
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I'ENNSYLVANI/\ STATE 1',Ml'1.0YEI'S
CREDIT UNION.
: IN II IE ('ouln llI- 1'()~IM()N I'I.E/\S
: ClIMIlIJU,ANIJ 1'( It INTY, PENNSYLVANIA
I'lailllilf
l'IVIL Al'llON NO,
v.
(t7( '(I-~L
DEIRDRE NOW AK,
{/3' 5','.} /
Defelldalll
NOTICE TO DEFEND
You have been sued in court. If you wish to dcfelld against the claims set forth ill the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served. by entering
a written appearance personally or by attorney and filing in writing with the Court your defenses or objec-
lions 10 the claims set forth against you. You are warned that if you fail to do so. the case may proceed
without you and a judgment may be entered against you by the Court without further notice for any money
claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IFYOU 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,
LI/wyers ReferellCt! Service
Cllmberll/lld COIII/ly Bar As.mcil/lioll
Two Liberty Avenue
Cllrlisle, Pennsylvania 17013
Telepitolle: (717) 249-3166
AVISO
USTED HA SIDO DEMANDADO/A en corte, Si usted desea defenderse de las demandas que se
presentan mas adelante en las siguientes paginas. debe tomar accion dentro de los proximos veinte (20) dias
despues de la notifieacion de esta Demanda y Aviso radicando personal mente 0 por medio de un abogado
una eomparecencia escrita y radicando en la Corte pOI' escrito sus defensas de. y objccciones a. las demandas
presentadas aqui en contra suya, Se Ie advierte de que si usted falla de tomar ace ion como se describe
anterionnente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero I'eclamada en la
demand a 0 cualquier otra I'eclamacion 0 I'emedio solicitado por el demandante puede ser dictado en contra
suya poria Corte sin mas aviso adiciona\. Usted puede pel'der dinero 0 pl'opiedad u otl'OS derechos
importantes para usted.
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION.
: IN TilE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
CIVIL ACTION NO.
v.
DEIRDRE NOW AK.
: MORTGAGE FORECLOSURE
Defendant
COMPLAINT
I, Plaintiff Pennsylvan;a State Employees Credit Union ("PSECU") is a Pennsylvania
financial institution with its principal placc of business located at One Credit Union Place, Harrisburg.
Pennsylvania 17110,
2. Defendant Deirdre Nowak ("Defendant") is an adult individual residing at 235 State
Street. West Fairview. Cumberland County. Pennsylvania 17025-3236,
3. On or about December 23. 1987, Defendant cxecuted and delivered to PSECU a certain
note ("Note") in the principal amount of Twenty Eight Thousand Eight Hundred Dollars and Zero Cents
($28,800.00), A true and correct copy of the Note is incorporated by refercnce and attached as Exhibit
"A",
4. The Note is secured by a mortgage dated December 23. 1987 ("Mortgage"). encumbering
certain real property localed in Borough of West Fairview. Cumberland County. Pennsylvania as more
particularly described in the Mortgage ("Premises"),
5. The Mortgage was duly filed in the Office of the Recorder of Deeds of Cumberland
County. in mortgage volume 302, page 643. A true and correct copy of the Mortgage is incorporated by
reference and attached as Exhibit "B".
6. Under the Note and Mortgage, Defendant agreed to make monthly payments beginning
on January 22,1988 and to repay the Note on or by December 23,2015.
7. The Note and Mortgage provide thaI Defendanl will be in default if Defendant fails
to pay the fullalllount of each 1l1onthly paY1l1elllwhen due,
8, The Note and Mortgage provide Ihill PSECU 1l1ay notify Defendant upon default thai
Defendant Illust pay the overdue amount by a ccrtain date or be required to pay immediately Ihe full
amount of principal which has not been paid and Ihe interest owed on that amount.
9, Defendant has defaulted on the Nole and Mortgage by failing to make proper monthly
payment since August 22. 1997,
10. On or about October 22. 1997, PSECU sen! Defendant a notice of intention to exercise
its right to accelerate the sums due under the Note if the default is not cured within thirty (30) days
("Foreclosure Notice"),
I I. The Foreclosure Notice was sent to Defendant via t:le United States Mail, Certified Mail,
Return Receipt Requested. and was returned to PSECU by the United States Postal Serviee on November
8. 1997. marked as "unclaimed". A true and corrcct copy ofa Foreclosure Notice, together with a Return
Receipt of Defendant, is incorporated by reference and attached as Exhibit "C".
I 2. On or about October 23. 1997, PSECU sent Defendant the notice required by the
Homeowners' Emergency Mortgage Assistance Act of 1983 ("Act 91 Notice").
13. The Act 9\ Notice was sent to Defendant via the United States Mail. A true and correct
copy of the Act 91 Notice, together with a Certificate of Mailing for the Defendant. is incorporated by
reference and attached as Exhibit "D",
14. Under the Note and Mortgage PSECU has the right to recover from Defendant all of the
costs and expenses in collecting the sums owed and due to PSECU under the Note and Mortgage,
including reasonable attorneys' fees,
- 2 -
VERIFICATION
Subject to Ihe penalties of I H I'a, C.S, ~,ll)(),l rdating tOllllsworn ti,lsilieation to autborities, I herchy
certify that I am Edward BlItes, III, Colleclor. of l'ennsylvlInill SllIle Employees Credit Union, and am
lIuthorized to verify the foregoing Complllint for Mortgage Foreclosure. thlll the filets set forth in the
foregoing arc Irue and correct to the best of illY information and belief.
it,.il.1 IS::&.,1!i.-
Edward Bates. llf
Daled: 1 "Iofor.,;
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Exhibit A
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ADJUSTABLE RATE NOTE
(I Vear Troas~ry Indox-Rato Caps)
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY.
..Il~~~.~.lUjB...6.~.............., 19.!!.?
HARRISBURG
.........................i'ci;;..j........................,
PENNSYLVANIA
..........................................-
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[Properly Addres.)
I. BORROWER'S PROMISE TO'PAV
In return for.a loan Ihat I have received. I promise 10 pay U.S. $ ..2.8...a.0.0...O,O......... (this amount is called
"principal"), plus inleresl, to the order of the Lender. The Lender is ........................................................._.....
..l?llli~S.);',I,Y.aN.;1;J.\...S.'.l'..tI.r.F.;...~J:I.f.k9X.f;I?!?..~.RJ;;!?.t.1'...y.rit.Q.r:L......................................................................._
I understand Ihalthe Lender may transfer this NOle. The Lender or anyone who takes this Nole by Iransfer and who is
enlilled 10 receive payments under Ihis Note is called Ihe "Nole Holder."
:1. INTERFST
Interesl will be charged on unpaid principal unlillhe full amounl of principal has been paid. I will pay interest at a
yearly rate of 8..1.5.......%. The inleresl rate I will pay will change in accordance wilh Section 4 of Ihis NOle.
The inleresl rale required by Ihis Seclion 2 and Section 4 Oflhis NOle is the rate I will pay bolh before and after any
defaull described in Seclion 7(B) of Ihis Nole.
3. PAVMENTS
(A) TIme and Place of Payments
I will pay principal and inleresl by ma!l~ll. .!Iayments every monlh.
I will make my monlhly paymenls on the ZJ5kday of each monlh beginning on .......J.a.nl.laX',y...22.........._.._ .
19...aa.. I will makelhese payments every monlh unlil I have paid all of Ihe principal and inleresl and any other charges
described below Ihat I ma! owe under Ihis Nole. My monthly payments will be applied 10 inlerest before principal. If.
on ........p..!lS~ml?!l.;:...~............ 20 ...+.~... I slill owe amounls under Ihis NOle, I will pay those amounts in full on that
date. which is called Ihe "malurity date."
I will make my monlhly payments al ...P....a....Bax....l.00,6,....Har.X'i.6.D.Ul:.\l.,...l'A.....l2.1.0.6.....'_"'_
................................................................................................................................................................... or at a dilferent
place if required by Ihe NOle Holder.
(B) Amount of My InUial Monthly Payments
Each of my initial monlhly paymenls will be in Ihe amounl of U.S. $....;a;3.0.,..l.,c;l........ This amount may change.
(C) Montbly Paymenl Changes
Changes in my monlhly paymenl will reftecl changes in Ihe unpaid principal of my loan and in Ihe inleresl rate Ihat I
musl pay. The NOle Holder will delermine my new interesl rale and Ihe changed amounl of my monlhly payment in.
accordance wilh Section 4 of Ihis NOle.
4. INTEREST RATE AND MONTHLV PAVMENT CHANGES
(A) Change Dales
The interesl rale I will pay may change on ~1'~.....Dec.embex:..2.3......... 19 ..aa.., and on that day
every 121h monlh Ihereafter. Each dale on which my inleresl rale could change is called a "Change Dale."
(B) The Index
Beginning wilh Ihe firsl Change Dale, my inleresl rale will be based on an Index. The "Index. is Ihe weekly average
yield on Uniled Slales Treasury securilies adjusled to a conslanl malurily of I year. as made available by Ihe Federal
Reserve Board. The mosl recenl Index figure available as of the daleJt5cdays before each Change Date is called the
"Current Index.. 60
MULTISTATE ADJUSTABLE RATE NOTE-ARM 5-1-Single Family-Fannie Mae/Freddie Mae UnWorm Inelrument
Fonn 3501 3/85
'-;-,.g~~:~:
..
("
r
(C) Nollee or Der.ull
If lam in derfllll, ~e ~te ~lder may senl!meGl wrillen~otiJlelling me Ihal if I do not pay Ihe overdue amount
by a cerIa in date, ilie Note Holder may require me to pay immedialely the full amounl of principal which has nol been
paid and alllhe interesl that I owe on lhat amount. That date must be alleast 30 days after the dale on whieb Ihe nOlice
is delivered or mailed 10 me.
(D) No Walnr By Nole Holder
Even if, al. time when I am in defaull, the Note Holder docs not require me 10 pay immedialely in full as described
above. Ihe NOle Holder will 'liII have Ihe right 10 do so if I am in defaull al a laler lime.
(E) P.YlllOllt or Note Holder'. Costa and ExpetIHS
Iftbe NOle Holder bas required me 10 pay Immedialely in full as described above. tbe Nole Holder will bave the right
10 be paid back by me for all of its costs and expenses in enforcing this NOle 10 Ihe eXlenl not prohibited by applicable law.
Those expenses include. for example. reasonable attorneys' fees.
8. GIVING OF NOTICES
Unlcss applicable law requires a different melbod. any nOlice thaI musl be given 10 me under Ihis NOle will be given
by delivering il or by mailing it by firsl class mall 10 me allbe Property Address above or al a differenl address if I give Ihe
NOle Holder a notice of my differenl address,
Any notice Ibal musl be given 10 Ihe NOle Holder under this Note will be given by mailing il by lirsl elau mail to the
Nole Holder allhe address staled in Section 3(A) above or al a differenl address if I am given a notice of that different
address.
9. OBLIGATIONS OF PERSONS UNDER TIllS NOTE
If more Ihan one person signs this NOle, each person is fully and personally obligated 10 keep all oflbe promises made
in Ihis NOle. includinglbe promise 10 pay Ibe full amount owed. Any person who is a guarantor, surely or endorser of Ibis
NOle is also obligated to do Ihese things. Any person wbo lakes over Ihese obligalions. including Ihe obligalions of II
guarantor, surely or endorser of Ibis Nole. is also obligaled 10 keep all of Ibe promises made in Ibis Note. The NOle
Holder may enforce ils rights under this NOle against eacb person individually or againsl all of us logelber. This mCf<ns
Ihat anyone of us may be required to pay all of the amounts owed under Ihis Nole.
10. WAIVERS
I and any olber person who bas obligalions under tbis NOle waivelbe righls of presenlmenl and nOlice of dishonor.
"Present"!ent" means tbe right 10 require Ihe Nole Holder 10 demand paymenl of amounts due. "Notice of dishonor"
means Ibe right 10 require the Note Holder to give riotice 10 olher persons that amounts due have not been paid.
11. UNIFORM SECURED NOTE
This Note is a uniform instrument witb limited variations in some jurisdiclions. In addition to Ihe prolections given
to lbe Nole Holder under Ihis NOle, a Mortgage, Deed ofTrusl or SecurilY Deed (the .Security Instrument"), dated the
same date as this Note, protects tbe Note Holder from possible losses which migbl resull if I do not keep tbe promises
wbich I make in Ihis NOle. That SecurilY Instrument describes how and under what conditions I may be required to
make immediale payment in full ofall amounts [owe under Ibis Nole. Some oftbose conditions are described as follows:
Transrer of Ibe Property or . Benefici.1 Interest In Borrower. If all or any part of Ibe Property or any
inleresl in it is sold or Iransferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is
nol a nalural person) withoul Lender's prior written consent. Lender may. at its option, require immediate
payment in full of all sums secured hy Ihis SecurilY Instrument. However. tbis option shall nOI be exercised by
Lender if exercise is prohibiled hy federal law as of tbe dale of tbis Security Instrument. Lender also sball not
exercise this oplion if: (a) Borrower causes 10 be submitted to Lender information required by Lender to
evaluale Ihe intended Iransferee as if a new loan were being made to Ibe transferee; and (b) Lender reasonably
determines that Lender's security will not be impaired by Ihe loan assumption and that Ibe risk of a breach of
any covenant or agreemenl in Ihis Security Instrument is acceptable 10 Lender.
To tbe exlenl permitled by applicable law, Lender may charge a reasonable fee as a condition to Lender'.
consent to the loan assumption. Lender may also require Ihe lransferee 10 sign an assumption agreement that is
acceplable 10 Lender and that ohligales Ihe transferee to keep all tbe promises and agreements made in the Note
and in Ibis Security Instrument. 'Borrower will continue 10 be obligated under tbe Note and this Security
Instrument unless Lender releases Borrower in wriling_
:ii.~
~oi{
,,~(,:
$c;
ii~
ill
!l!,
,~
~,~;~
If Lender exercises Ihe oplion 10 require immediale payment in full, Lender shall give Borrower nOlice of
acceleralion, The nOlice shall provide a period of nolless Ihan 30 days from the dale Ihe nOlice is delivered or
mailed wilhin which Borrower musl pay all sums secured by Ihis Security Inslrumenl. If Borrower fails 10 pay
these sums prior 10 Ihe expiralion of this period, Lender may invoke any remedies permilled by this Security
Inslrument withoul further nOlice or demand on Borrower.
WITNESS TIlE II^ND(S) AND SEAL(S) OF TIlE UNDERSIGNED.
..........,'tieTra.fl~;..;.~rw~..~,.~....................2,e:1
...........,........,'..........,........,.............,.......,.....,'................................,... (Seal)
-Borrower
"........"......'..........,..............,................,............................................. (Seal)
_rower
{Sign Original Only{
Exhibit B
..
. \ ~-l
I
.,
..
"
'n r~!: ?:: j',;i JJ ZS
ISpln Ah" ''''* l.... h, .'lordl"ll 0'\'1
MORTGAGE
TillS MORTGAGE ("Secllrity.ln'lrUnlcnt"~ is ~i...en on ..............,....P..T;;~f;.t1.~.~~,,,.f..l,,.,.....,...........,,....,,........,,
196.1..... The moriS' Cor is ...........D.f;.~.I.tD.JH:;.,.A.~.......Q...~.~...".....,...............................................................,,,...................
'..-p'.i:\fi.'.lv.onlli..St'afo..... ,....,~......lo...e..i'..CrJdrr{f~gh.). This Security Inslrumenl is ai~en !O .........,'.................:..;....
... .9.. ..J.y.,............................,...,;;mp... ,y...~...............,."....,.......,...........".."........................... wh~h lJ..orumztJidtfC clustlng
under the la~ or .......,........, ............................................................. and whose address is ........r.,..V,...IiJ.9.1t..ll....................
,Harriiliu'g.,PA,.I11Q8",."",.,."..".., ",.."'TwENT'i'" EHi'HT"TH6iJS.i\ND..'ErdHf..HiJlI~~Elj"'J.';/rlnd"..),
norrower owes Lender the principal sum of ....................................................................."..."................................................
NO./-10,O....':'..~.~.~.':';.':'.::'.:":'.~:::.-:'.::'.;::::.-:'.::'.. Dollars (U.S. S.....~.Q....e.Q.Q.,..O'.O.....). This debt is evidenced by norrower', nOle
dated the same dale n thi, Security Insttumenl ("Nolc"). wb;,h prD'Lida for monlhly raymenls. with the full debl. irno!
paid earlier. due and payable on ....................p..~~~.~.~~.F....~.~.,....~.~.~.:?.........."........................ This Securily Inslrument
!C:cures to Lender: (a) the repayment or the debl evidenced hy Ihe Note. with intcresl. and all renewals. Cltensions and
modilicllions; (b) the (iAyment or all Olher sums, wilh intercst, advanccd under paragrarh 1to prolcct thc security orthi!
Sccurity Instrument; and (cl Ihe performance ornorrower's covenants and agreements under Ihis Securit)' Inslrument and
the NOlc. For this purpose. norrower docs ~erehd mOllgage, granl and convey 10 Lender Ihe followingdcscribcd propert)'
located in ...................................~.~!!!~.~.~...!?ry................................................................................. Counl)'. Pcnnsylvania:
.\LL THAT CERTAIN lot or tra.ct of lanc:J 111 tuate 1n the Borough of West
Fa.lrvlew, County of r.umtlerla.nd and State of Pennsylvania, more par-
ticularly ~ounried anrl descrthed as follows, to wit:
BF.GINNINO at a potnt on the northerly line of State Street which
polnt Is 9.20' feet eaRtl.,arcHy of the northeasterly corner of Third
and State Stl~eetR; thence Uorth 23 degrees 50 m1 nutes Rast 1.17.03 feet
to a polnt on the southerly line of Clay Street; thence along same
North 75 degrees I.I~ minuteR East 24 feet to a poInt; thence South 11
degrees 41 minutes East 21.1.11 feet to a polnt; thence South 3 degree~
34 mlnutes West 50.15 feet to a point on the northerly line or State
Street aforesaid; thence along same North 63 degrees West lI8.81 reet
to a poInt, the place of fl80INNHIO.
HA VING THEREON EREC'1'FD a dwell 1 Of; house known aR and numhered 235
State Street.
BEING the same premiseR W~h Hilda M. Berj'Y, Trustee for Fotlert A.
Berry, l'ly her deed dated ~ di.3 ..1.11'7 and recorded immedi-
ately prior hereto, granted and conveyed unto DcirdreA. Nowak, Mort-
gagor herp.lo.
which has the address of .............2.J.5...S.J;.a.t~....S.t..r.~.f:.L...."......."................. .."...........!rl.t:,.!?..L.f..~.i.h.Y.j.~~.......-.
IS"!,,! ICitvl
Pennsylvania ...................1.70:).6....................... ("Property ^ddres.~"):
{l'Ptod'l
TOQETHER WITH all the improvemellls now or hereafter erected on Ihe property, and all easements, rights.
appurtenances, renlS, royallies, mineral, oil and gas rights and prollts. water rights and slack and all fixtures noW or
hereafter a part oflhe property. All replacemenls and addilions ~hall also be covered by this Security Instrument. All of the
foregoing is referred 10 in lhis SecurilY In~lrumcl1. -'~ :he "Property."
BORROWER COVENA.NTS that narrower is lawfully seised or Ihe eSlate hereb)' conveyed and has Ihe right to
morlgage. grant and convey the Property and Ihat the Property is unencumbered. exeepl for encumbrances of record.
Borrower warrants and will defend generally the tille to Ihe Propcrty against all claims and demands. subject 10 any
encumbrances of record.
TillS SECURITY INSTRUMENT combines uniform covenants for national use and non-unifonn covenants with
limiled varialions by jurisdiction loconstilule a uniform securilY inslrument covering real property.
PENNSYLVAN1A-sina1e Fam,ly_fNMA/fHLMC UNifORM INSTRUMENT
BOO' hUn r^GEHl35
form 3039 12/83
,..;',"'=.j71
UNIf'ORM COV[N.4.Nn Jlorrn"tr Imll.tntlt' <:tntnanl and allrtt ~'(olln",
I, IJ.)'menl or Ilrlndpllllld Inlunl; I'rrp.ymtnlud I.ale ('JIItRn. lIortnwtr \h.lI rrtlmplly pay whtn Ilue
lhe princiral orand intett\llln Ihe debt evultnctd by lht Noll' and .ny prtpaymtlllllld lalt ch.ulltl due untltr Ihe Noll'.
2. Fundi (ot Tllel and 'n,unnn, SuhjtCllO appllcahlt law (Ir loa wlllIC'n W;U'Iet by I.entltr, lIorrowtr ,hall POI)
In Lendet on lhe d.,y monlhly paymtnn Ill' dut undtt Iht NOll', IInlillht Nnle jl raid .n rull, I 'urn ("Fund,") ttlusllu
one.lwtlflh or; (I) ytarly I'J" Ind "\tumtnt, which may 'llain priorily over Ihi, StClltlly In'lrumenl; (h) )'tiltl)'
leasehnld paymenl\ or lround renll on Iht l'roptflY, I( any; (e) ycarly hazud in'unnce premiuml; and (d) yurl)'
morllalc inlurance premiuml, ir any. Tht,t' Ileml Ire called "elcrow ilo!m' " t.ender may e,limale lI,e ('unth due 1m tht'
hui, oreurrent dala .nd ru,onahle tllimatnn(rulure t\Crow ilem'
The Fundllhall he held in III in,lltulwn Ihe dtflO'lI' nr Ic(;nunl\ nrwhid, are in,urtd llr BUl1ll1lttd by a rtdtral or
'111e .gency (includioll.tndtr If l.ender il 'lIch an Inllltullon). Lendtr ,halllpply Ihe fundi 10 pay the ncrow iltnn
Ltndtr :nay nol chlrle ror holdinllnd appl)'lOalhc funds. anlllYZlOg Ihc llccount or 'Iwfying the C:\ClOW item\, ulllu~
under pay. lIorrnwtr inler"1 on Ihe Fundi .nd .pphclhle law rtrmi!l tender In make Itlch I charae. Ilorrowtr and
under m.y aaret in wtilin'lhat Inleresl Ihall be raid on rhe Fund,. Unltu .n aareemtnl i. nladt (If appliclhle Ilw
rtquires inleretllo bt Plid, Lender Ihan nol ~ rtquirtd tn p.y norrow"r .ny inl"resl or earning' on tht Funds. l.endtr
,hall give 10 norrnwer, wilhout eharll!, an Innualac:tounring orlhe FuoI!. showing crtdi"and dthilS In the Fund, Ind Ihe
purpole for which each debit 10 Iht Fundi Wit m.de. The Fund'art pltdJtd.. additional ,ecurify rur Ihe lum\ \tcured hy
thil SecurilY Inslrument.
Irlhe amnunt orlhe Fund, held by I.tndu, 10ltlher wilh Ihe (ulurt monthly paymcnt,n(Fund, ~yable prior to
lhe due daltl orlhe ~row ilems, Ihan exceed lht amnunl required to pay lhl! Clcrow irem\ when due, the tlCes, Ihall be,
al nonowtr', option, either promptly rrraid 10 Uorrowtr or credited 10 norrowcr on monlhly p.ymenll or Funds. H Ihe
amount' orlht runds held by Lender is nOI sufficienllo pay Ihe escrow ilem' \\'hen due, norrower shall ray 10 Lrndrr any
amounl nectnary 10 make up Ihe defieiency in one or more paymenl'" requirtd by I.tndtr.
Upon pa)'menl in rull or all sum, \Ceured by Ihi:: Stcurity In\lrUmellt, Lender Ihall promptly refund 10 Jlorrowtr
any Fund, held hy Lender. Irunder paragraph 19 the Proflt'r1Y i, ,old or at'quirtd hy Lendcr, Lendtr ,hall apply, no laler
than immedialely prior 10 Ihe sale or the Prorcrry or iu acquisilion by Lendtr, any Funds held by Lender at the lime of
af'lplieation a, a credil Icaintllhe ,urn, ttcured by this StCllt1ly Inmumenl.
J, AppJJraJlnn Df P.lymenlt, UnIt,,", f1pplicflhle law p(()vidt;~ olller,,'i'l:, all paymenls r<<ci..eJ by Lender under
paragraphs find 2 shall bt applied: tint, 10 II Ie charles due under the NOll'; second. 10 prepaymenl charges due undtr the
NOle; Ihird, loamollnls payable under paragraph 2; rourth,lo inlernt due; Ind la!;,I,lo principal due.
4, Chatgcs; I.Ienl, Dorrowu shill pay all lues, 8\\e1\menl', chlr8~, tines and imposilions allribulable to Ihe
rroperly which may alliin priorily o...er Ihis SecurilY IllItrument, and le4lehold paymenl5 or ground rents, ir any.
Borrower shall pay Ihese obligalions in the manner pro'lided in paragrarh 2, or irnol paid in Ihal manner, Borrower shall
pay them on time dirteUy 10 lhe penon owed pn)'menl. norrower !ihall f'lromf'llly rurnish 10 Lender III nolices or amoun"
10 be paid under Ihis paragraph. If Dorrower mlktS these paymtnlS dirtctly, florto.....et ,hall promptly rurni!;h to Lendtr
receipts evidencing the paymenh.
Borrower shall promptly dischargt any lien which h", priorily O'lt, Ihis St'curily In!;trument unlC5s Dorrower: (a)
all'teS in wriling to the paymenl oftllc ('lhligalinn secured by Ihe lien in a manner acceptable 10 lender; (b) conlests in good
railh the Hen hy, or defend. aCnin" tnforct"ment orlhe Iitn in, legal proceeding\ which in the Lender's opinion operate 10
pre'lelllthe enforcement or the lien or rorreiture or any part or Ihe PrOf'ICrly; or (c) secures (rom Ihe holder of Ihe lien nn
ngreemenl salisfaclory 10 Lender subordinaling Ihe lien fO Ihis Security InSlrUmenl. Ir lenderdtltrmints that any parI of
Ihe Properly i!i suhjecl In a lien which mllY allain priorilY o'ler Ihis StcurilY In'lrumenl, lender may gi'le Borrowtr a
nolice idtnllrying Ihe lien. norrower 511:111 5ali5ry the lien or lake one or more orlhe Rclions sel forlh ahe'le within 10 days
oflhegiving of no lice.
5. Hazard Insuranee. Borrower shall keep Ihe impro'lemtlllS now elisling or hereafter erecled on lhe Properly
iMured againllln..., by firc, hU13rlls includtel wilhin the lerm "cxlended co..erage" and Iny olher hazards ror which lender
requires insurant'~. This insurance sh:lll he mnintained in Ihe amount, nnll for Ihe rcrind_~ that Lt'nder requires. The
insur:.nce carrier f'lro'liding Ihe insuromce shall be chosen by Dorrower lubjecl 10 Lender', approval which shall not be
unre3Ulnahlywilhhcld.
All iOlurance politin aod renewnll shall he nccef'llable 10 Lender nnd shall include I !\tandard morlgage c1IU!iC'.
Lender shall ha...e Ihe righlto hold the policiel and renewah. If Leoder requires, Dorrower shall promptly give 10 lender
all tectipls ofpai(1 rremillms and renewal notictS. In Ihe event or 10$5. 80rrower shall gi...e prompt nOlice 10 Ihe insur,lncc
carrierlnd Lender. lender may make proornrtou ifnol madc promf'llly hy norrower.
UnltSl Lender nnd norrowerOlherwise agree in writing, insurance rroceeds shall be af'lp:itd tn resloralion or repair
of Ihc Prnpeny damaged, ir Ihe reslornlion or tt'pair i!\ economically (ea!\ihlt and lender', seeurilY is nOllcssentd. rr Ihe
resloralion or repair is not economically rcasible or Lender's !\ecurilY would be lessened, Ihe iO$uraoce procetds shall be
Ipplied 10 the sums secured by Ihis SecurilY In'trument, whelher or nollhen due, wilh any exees!\ paid 10 Borrowcr. If
Dorrower abandons Ihe Properly, or docs not an'Wtr within 30 days II nolice from Lender Ihat the insurance cltrrier has
olf'ered 10 sellle a c1nim,lhen Lender mny colle" the insurance proceeds. Lender may use Ihe f'lroceedslo repair or restore
tht Pro('ltrlY or 10 pay sum!\ securcd hy Ihi!\ SecurilY Inslrumcnl, whelher or notlhen due. The 3D.day period will begin
whtnlhenoliceisgi'len.
Unless ltnder and Dorrower olherwise llgrec in wriling, any aprlicalion off'lroceeds 10 principal shall nol extend or
poslpone Ihedue dnle of the monlhly payment\ referred 10 in paragraph~ t und 2 or change Ihe amount ohhe paymenls. If
under paragraph 19 Ihe Proptrty is acquired by Lender, Borrower's righllo any insurance policics Bnd prncetds resulting
rrom damage 10 Ihe Properly prior 10 Ihe ncquisilion shnll pass 10 lender In Ihe cxlenl orthe sumlsecured by Ihis Security
Inslrumenl immcdialely prior 10 Ihe acqui5ilion.
6, Preservation and Maintenance or Properl)'; leaseholds. norrOWtr shall nol deslroy, damagt or subslllnlilllly
change Ihe Property, allow Ihe Properly 10 deltriornle or commit wtlsle. Ir lhis Securily Inslrumenl i.s on 11 leasehold,
Borrower shall con, ply wilh Iht f'lftwi.sions oflhe lease, llnd irnorrower acquires ree lille 10 Ihe ProperlY,lhe leasehold lInd
ree lille shall nOI merge unless Lender agrctSIO lhe merger in wriling.
7, Prolecllon of l.cnrler', RI~hl' In the Property; Mortgage Insurance. Ir Borrower fails 10 perform the
covenanls and agreements conlained in Ihis St'curity Inslrument, or Ihere is n Itglll ptClcet'ding Ihal may significalllly affecl
Ltnder's righls in Ihe Prorerly (such II" n proceeding in hankru['llcy, prnbale, ror condemnalion or 10 enrorc: laws or
rt'gulalions), thcnl.cndtr may do nnd p:t)' rnr whale...er is necessnry 10 rrol~t'llhe valueoflhe Properly and lendt'r's rights
in Ihe ProperlY. l.ender'.~ aClions may include f'laying any ,ums !It'cured hy n lieo which hu priorilY o...er Ihis Secmily
InslrUmtnl, apf'learing in coun, paying rea\onnble allorneys' rees and emering on the Properly 10 make repairs. Allhough
ltnder may lake nClion IIndt'r Ihis pnragrnph 7, lender does nol ha\.t Indo so.
Any lunounls dishllr\t.'lI hy Lt'lleler under Ihis parngnlpll 7 shall hecome addirional dthl of nor rower secured by Ihis
Security Inslrumcnl. Unless norrowtr "lid Lender agrte Inolher lermsnfr;I)'nlCnl, Ihese amOlllllS shall henr inlercsl from
the dllle of dishllr\emenl III Ihe Nule nlte ;Illd ~IHIII he payahl.:, wilh inlaesl. u['lon notice rrom Lender 10 Borrower
rtquestinsrnymtnt.
bon~ bUU r^~[ trl3f:
,\ '. ~ ;~ .) 'J
Ir L~nder relJ\lir~d mnrl8og~ in\lU3llce il\ II condIt lOll (lr m:r.Ling the loan ,ecured hy Ihi, Serumy hnUurTltnl,
Borrower ,hall pay Ihe premiullI' required '0 mamla;n Ihe in,urance m elTeclunlll 'uch lime lI\ Ihe re1luiremenl (or lilt
ill\UfllnC~ l~rminale1 in acconfonct with fJorrcme,', /lnd tender', .....nllen agreement or arphcable law
8, Inspecllon. lender or ii' Igenl nlllY maLe rea\OnRh!e enlrin upon Dnd in\rectinn\ or lhe rrnperly tender
shallgi...~ norrower notice allhe tim~ oror prIOr 10 an jll\pecllOn \pt'cirying re.nonablecau\e rur Ihe in'l(ltction
9, Condemnutlon, The proceeds of /lilY aWllrd fit cI~lm (or ltrllnllBM, ehrecl lit cO",C'luclllial. in cllnncc!inn wilh
any condemnalion or olher taking or any parI (lr Ihe Prorr"y, or rur C(IO...eyance in lieu or cuncfemn.tion. are herehy
lIuigned and shall he raid 10 Lender,
In Ihe e...enl or. tOlalt.king or Ihe Properly, Ihe proceed, shall he IIrrlied 10 Ihe sum, ,ecured by Ihi, Securily
In..trumenl, whether or nolthen due, wilh any uceu paid 10 Borrower. IlIlhe e'itnt or a pllrliallakina or the l'fOpcny,
unlcu Borrower and lender olherwi'e asree in wriling, Ihe 'llms 'ecured by Ihi, Secllrity Instrumenl ,hall he reduced by
the amounl or the proceed, multiplied by the (ollowing rractlon: (a) Ihe total amount (lr Ihe ,urns sreured immedialely
before Ihe takins, di...ided by (b) the rair markel ....Iue of Ihe l'roperlY immediately berore the tllkins, Any halance .bal\ he
paid to norrower.
Irthe Property is abandoned by norrower, or if, afler notice by I.ender 10 norrower Ihaltbe condemnor olfen to
make an award or senle a claim (or damagn, norrower (ails to respond 10 I.encler wilhin 30dnys after Ihe dale Ihe nOliee i,
gi...en, lender i, authorized 10 co\lecland /lpply Ihe proceed" al its oplion, eilher to re,loration or repair or the Prorerly Of
to the sums secured by Ihis SecurilY Instrument, whelher or 110t Iben dlle
Unleu lender and Borrower Cltherwise Igree in writing, any applicalion orpmceeds 10 principal shan oot e.tenlt or
ro~trone lhe due dale of the monthly payment' rererred to in paragraph, land 2 or change the amounl or,uch payment'.
10. nnrrnwer Not Releuedj Forbearaon lIy Lender Not. Walter, 1!'lemion or Ihe time ror payment or
modiflca,ion of amflrrilal/ofl of lhe IUm.~ .'ecllTed by Ihis Security 'mlrumrnl !r;mted hy lender 10 any suce",or in
inleresl o( Borrower shall not operate 10 rclea~e Ihe liabililY orthe original norrower or narrower's SUCCfi'OfS in inlerest.
Lender shall not he required to commence proceedings aga;n'l any successor in interC\t or re(u,e 10 ulend lime ror
payment or Olherwi,e modiry amortization orlhe sums secured by Ihis Security Inslrumenl by reason ofany demand made
by the original Horroweror Borrower'ssuccessors in interest. Any (orbearance by Lender in exercising any righl or remedy
shall nol be a waivcroror preclude Ihe ex~rcise orany righl or remedy.
II. Successors and AssiGns Bound; ,Joint and S~ve'll Liability; Co-slgneu, The co...enaolS and agreements or
this Security In,tmment shall bind and henefttlhe succ~"orsand nsigns of Lender and norrower, subject to the provi,ions
orparngrarh 17. norrowcr's co...enanls and agrcemenls shaJl bejoint anti :several. Any Borrower whocn-,igns Ihis Security
In,lrument but dlle~ nol execule Ihe Nllle: (a) is co.signing lhis SecurilY Inslrumenl only to mnrlgftge, grllnland con...ey
Ih",1 Rorrower's inler~"1 in the Prol"etl)' under the term' o(this Security Inslrumenl: (h) i'l not personally obligaled 10 pay
the sums secmed hy Ihis Securily 1n\lrument; and (e) agree1tbat Lender and any olher narrower may agree to eXlend,
modiry, (orhear or make any accommodation.. wilh regard 10 the terms o( Ihis Security In.\Irument or lhe Nole wilhoul
Ih:!.t Dorrower'~cllOseol.
12. Loan Char"es. Irlhe loan 'ecured by Ihis SecurilY In~trumeot i,subjcclto a law which sels maximum loan
charges, and thai [aw i, finally interpreled so Ihal Ihe inlere,1 or olher loan charges collected or to be collecled in
conneclion with the 10.10 exceellthe permiucd Iimii\, then: (a) any ,uch Innn charge shall be reduced by Ihe amounl
ncce\Sary 10 reduce the charge to the permilled limit; and (b) any 'urn' already collected from Borrower which exceeded
permined Iimit!i will be rerundedlo Harrower, Lender may choose to make Ihi, rerund by reducing Ihe principal owed
under the NOle or hy making a direct ptlyment 10 norrower. Ira rerunrl rertuce!i principal, the reduction will be Irealed as a
partial prepaymenl without any prepayment ch:!.rge undcr Ihe Note.
13. Lt!Rlslatlon AfJectlnA Lender's RlghlS. I( enaclmenl or expiralion of applicable laws has the eff'eet or
rendering any provi,ion orthe NOle or Ihis Security In\lrUmenl uneo(orccable according 10 its terms, Lender, at its option,
may require ;mmt'dialc rtlyment in rull or nil SUIllS secured by thi" Security Instrument and may invoke an)' remedies
permit led by paragraph 19. Irlcnder exercise!i thi, oplion, Lender shall take Ihesleps s{)reined in the \Ccond paragraph of
p3ragraph 17.
14. Notices. Any notice 10 Dorrowcr provided ror in this Security Instrument shall besiven by delivering il or by
mailing it by firsl class mail unlC\." I1pplicnble law require" U!ie or anolher melhod. The notiee shall be direcled 10 the
Property Address or any other address Borrower designates by nOlice to Lender. Any nolice 10 lender shall be given by
finl class mail 10 Lender', address slaled herein or any olher address lenderde"ignales by notice to Borrower. Any nolice
provided ror in this SecurilY In"lrument shall bedeemcd 10 b3ve been given 10 Borrower or Lender when siven as provided
in Ihis paragraph.
IS. GoverninG I.nw; Severnhlllt)', Thi~ Securily In,,'rumcntshnll be governed hy rederallaw and Ihe law of the
jurisdiclion in whieh Ihe Property is IOcaled, In Ihe e...entlhal any provision or clause of this Security Instrument or Ihe
Nole conflicts with Ilpplicablc law. ~uch conniC! ~hall not affect olher provisions orlhi, Sccurily Instrument or the Note
which can be Biven efl'ect wilhout the connicling pro...i~ion, To thi!> end the provisions or this Security InSlrumenl and the
Nolc are declared 10 be se...erable.
16. Borrowe,'s Cop)'. Borrower shtlll be gi...en one conformed copy of the Note and or this SecurilY Instrument.
17. Transrer of the ProperlY or a lIeneficllll Interesl In narrower. If all or any part of the Property or any
intere!it in il is sold or transferred (or irn heneficial interest in norrower is sold or transferred and Borrower is not a nalural
person) withOtll Lender'" prior wrillen con"enl, lender may, al its oplion, require immediate payment in rull of all sums
secured by Ihis SecurilY Inslrumenl. However, this opt inn "hall not be exercistt.l by Lcnder if exercise is prohibited by
rederallaw as orlhe date or.lhi5 Securi1y Inslrument,
Ir I.~nder exercise" thi!i oplion, I.ender ,hall gi...e Borrower nmiee oraccelertllion, The notice shall provide a period
..rnotless Ihan 30 d3)'S rrnm Ihe dtlle Ihe nolice i" dcli...ered ('I( mailed within which Dorrnwer mu,t pay all sums secured by
Ihi, SecurilY Instrument. Irnorrnwer rail!> to ptly Ihese sums prior to Ihe expiralion orlhis period, lender may invoke any
rcmediC!i permined by Ihi" Security Imlrumenl wilhout furl her noticeordemllnd on Borrower.
18. DorrOlver's RIGht to Relnslate. If Borrower meets certain condilions, Borrower shall ha...e the righllo hove
enroreemenl orlhi!i Security In'!rument di!icontinued al any lime prior 10 the earlier or: (3) 5 day" (or such other period as
applicable law may specify for rcin'talemenl) before ~ale or the ProperlY pursupnllo Dny power of sale ,contained in this
SecurilY Instrument; or (b) entry or n judgment enrorcing Ibis Security lnslrument. Those conditions are that Borrower:
(a) pays Lender all sums which then would be due under Ihis Security Inslrument and the Nole had no acceleralion
occurrtd; (b) Clue" any derault or any other co...enanls or agreementsj (c) pays all expenses incurred in enrorcing this
Securily Instrumenl, including. bUI nnl limiled 10, reasonable attorneys' rces; and (d) takes such action as Lender may
reasonably require 10 a~sure Ihlll the lien or this Sccurity In"lrumenl, Lender's rights in the Property and Borrower's
obligalioo to pay the sums secured by this Securily Insttllmenl shall continue unchanged. Upon reinslatement by
Harrower,lhis Security InSlrument and the nhligalinns !iecured hereby shnll remain rully effecli...e as irno acceleration had
occurred. Howe...cr, this right to rcinslllle !ihtlll not apply in the case o(acceleration under paragraphs 13 or 17.
bO/J~ h!.ID r.\[,[ 1.O:l~:
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No"4 UNlI 011I\' C'O\'t"'.\NI' 1I01l1l\1otf illlll I tu.)a lurlll" \...~tn;lnl"IlI'''ltf' 1\ roll"w\'
19. ",('cellullnn; """,diu. l,fod" .h,ll II" ntltln 10 1I0"u_u ptlur to ICnl,ullnll (ollo.lna l\f"III"'U',
hrnth o('''y ('onnul 0' I.'tf",tnlln lhl, SrC'u'lI~ Illtl,um,nllbut nul p,11It 11I.reele"llon under PIf'IUph, 13 .n4 17
Iud... .ppllt.bl, I." 'flnld" olh""b,l, hod" .hlll nutlfy 1I11rrow" "', .monl olht', lhln.': 1.1 Ih. dd.ull; Ib) Ih,
'ttlon ,rqulr,d 10 rUfe lh, dtf...II; lel.h,,, tht d,I.ull mut' be fur,di .nd Idl th.1 ,.IIUft' III turt Ihe dd.ullII 'p<<ln,d
m'y '"ullln ,utler.llon ot lh. lums 'ftlU,d b, Ihl, SuurUr 1,,,lrum,ol, foredn'ure by Judltl.1 prllcudhtlllld ule of
Ih, f"roPf,t,. Lendu ,h.lI (..,thff Inform IInrrn.tllIflh. ,'.hllu ,rloll.le diu IC'ulenllon .nd the ,'.hllo .uttl In Ih.
forKlotur. protffdlnllht non.r-lIllrnrr 01. drr.lI11 or Iny olhtr dduH 0: Ilorrowtr 10 .rrtlrntlon Ind fortrlosurr..f
Ihr dd.ulll. nol rurrd II '~dfttd.IAndtr '11110,1100 m.y "quite Immfltl.I, p')'ml'nl In (ull of.lllum, Hrund by Ihl.
StC'UrUy IOlllum,nt ltlthout furthtr dtmand .nd m.y fo"tlMe Ihll Srrurlty rnttrumtnl by Judicial prnrHdlnl- lAnder
Ihan be tntltled toeoll.el .1I.rp.n,n loeur"d In punulnllhe rtmedlu prorld.d In thl, paralnph 19,1ncludlnlo bul not
IImlltd 10, .uornt)'" 1<<. and (Olla of III Ie nld.nrelolhe '1I,nl ptrmllltd by .ppUc.blt '.w.
10, fAnd" In I'oltrulon, Upon arccleululll untlrr paragraph 19 or _bandonmenl IIr Ihe PIOI>trt)', tender (In
I>f'''..n, toy 'Ienl <'f hy judidlllly ltpjltlinlrd rrctlw)II..,U ~ rllllllrlllll (1I1e' U'ltlll, l~~,. po\,nllon of .nd manalr Ihe
I'wfltny and 10 coUtetlhr renl\ Il( Iht l)roptny jnchlllina th(Kt rillt duro Any renll cnllecled by l.endrr or Ihe reeeiv"
."all be arrlitd ftnllo f'lym,.nl or the CO\I' or IOln'lemrnl o( Ihe I)toptrly and collrclion o( rrnll, includin" bul not
IImitN rD. l<<eiver'l (<<I, prtmiums (In rtcri\lrr', bond, and "uonablr aUome)'I' (tn. .Ild then 10 tht ,urn, secured by
thi,S<<,uflIY Tn,lrumtn!.
11. Rele.... Upon p.ymrnl or an sum, mured b)' Ihil 5<<urilV In'trumenl. Lender .han di"h.rle Ihi, Srcurily
In"rumenl without ehllge 10 IIorrow"" normwrr .h.1I p.I)' .ny recordation com.
U. Rel".talemr"t rerlod. Dorrower', lime In rcin,I.le provided in paragraph 18 shall exlend 10 one hour prior 10
IhrcommenCemtnl o(biddinl.l. sh,.rirr, "I,. or olherule punu.nt to Ihi, SecurilY (mtrumenl.
13. Pureh..e Monr,. MorlS'lIt, I(.ny n(lhedcbt'ecurrd by this Steuril)' 'n.\lrument i, lenllo norrower loacquire
tille lothe Propen)', thi. SteurHy In'llumenl,h.1I be. purchuemoney mortgltge.
14. Inferrsl R'le Arlrr Judprnl. Dorrower 'IretJ Ihallhe ioteml rale payable .rter .judgmenl i, rnlrrrd on lhe
Nole or in.n IClioo o(mOrll'le rorcclmuruhall belhe file pay.ble (rom limelolime under Iht NOle.
U. Riders 10 Ihl. Security Inllrumenl. J(one or mar,. riden Ire f'J.CCuled hy Uorrower and recorded loaelhrr wilh
Ihit Securit)' InllfUmenl,lhe cO\len.nlland agrermcnl' o( cach such rider ,hall be incorporated inlO and ,hall amend Ind
'''prlem,.nt Ihe covrnants ,nd 'BrctmtnU or dl;1 5<<Ulily Inttrumen( as if lhe rider(s) were. part or Ihis SecurilY
In,lrument. [Check applicable bm.(a)J
KJ Adju,lable Rale Rid,.r
o Graduated Pa)'ment Rid"
o Other(I) ['p<<iry)
o Condominium Rider
o Planned Unic De\lrlopmenl
o 2-4 "'amil)' Rider
Rider
f't
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8
V"
(li
BY SICNING DELOW, Borrower accepl' and agrees 10 lht lerm, and eO\lcnanl, cuntained in this Security
Inllrument and in any ridcr(,)excculed by norrower and recorded wilh il.
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CO"1MO/'llWEAL Tit OF PiCNNSVI.VANIA, ' , , .. , . C.umber lll.nd, . , , , , , . , . , . . . , , ,County S5:
On this. the:, ",'~.I:d... .day or.""... December..,.., ,.19.87., beforc mC,a, Notary.. ......
Public. , . .. . . . , . , . .. .lhe undersigned officer. po:rs\mally appear..::d, , , .De ix:dre. .l\.., .Nowak , , . . . .. ., .
"" ".,...".,.."",.."...,.,.".""."..,..", ,.... .....""., known 10 me (or !\.3lisfaclorily
proven) to he the person. . . . whose n:J.l11C. is. . .. . . , . .sub.;cribcd lulhc wilhin instrumenl nnd acknowledged lhaL
she." "." .e::teculed Ihe: same for the purpmc, hcrdu conlain,.d,
IN WITNESS WIIE.REOF, I hcrcunUl ~cl my hand and official seal. \.........
MyComm;";on,,p;"" cZt'Lf:i& ~~:;~
" , ,.. "',./..'../~. ./..... :.......~:...~';;..,.
Notary publ.:i.~ '. ,.' 'w.:\ r:
USA M:~; Ul::I, NatJry Pulllic "".. """""""""""" ...:',., ';;::;1. .... :"!:~ ...
C.mp H,a. (u~lLerland Co., P., TllI,al Otll~:.\ . ';,: .r
My Com"'u'" ("".. IMy 13. '991 '>;.,,;';~;;:;';~-!,"
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hail< hUll I'M;iH),'JH
Ml.IIIST^,1J ,I-: RATE RIIlER
II \'n, l"uurt Ind".oR.I,e.pt)
11IIS I\IJJIJ"if^n' J, ~^li' kllll h'l~ "",de Ihi,:}.2 J.~dda)' o,~ P.f!~.=.nml)(lr ..,171?... ,lnd I.
lntmp"jltd Inlll .Hld ""IIII(' Ilttllltd In .,Ilfnll .nd 'urr'tmrnl Iht Mottl'lt, need III Trull 01 SrcufUy nut! (the
"Sel ullt) '",',umenr") of tht :-!.n1t :~m' ."cn by l~t un,dt'!'18.ntd. (the :I!~!rowcr~) to .rcure ~o"owtr'l Adjult.ble
f{.'t NUlt (the "Nnlc") 10 I F.Nrl.,YI.VANJ^ ,.,.T~p< r:~I.L9X,f~I,~.~...f.~J:P,lJ'....tJ~~.Igu".............."..,.....".
(the '"Lender") or the Ume d,te .nd c;OYtrin'lhc propcrt'1 delcllbed in
the S('null) 1",UlIlntnt ..nd Joc.",urd ~I
23~ 5TATf. 5TRf:F:T, W~t.T.Y^JRVI(;Wl P,r.NU5,YLVJ\~I_^ .1.Iq.?~.
rr'~~Il) Ad.J'~I~I' . . ..".
., HE NOTE CONTAINS PROVISIONS ALLOWINO FOR CHANOES IN THE INTEREST RATE
AND THE MDNTHLV PAYMENT, THE NOTE LIMITS THE AMOUNT THE OORROWER'S
INTEREST RATE CAN CHANGE AT ANY ONE TIME ANO THE MAXIMUM RATE THE OOR-
ROWER MUST PAY.
An1ll11U"'41 CO\lI:N4J'r(1S. 'n lIddition 10 the (oYeninlS and 3arcement. made in the Security Inslrumen., Borrower
and I.cndcr further covenant and 'aree II (ollows:
A, I~ERI:.ST RATE AND MONTlII,V I'A\'.\IENT CIIANGI:.S
The Note provide\ ("r an jnil;..1 in left" f:llCof ,_.e..l}.~..,.'.to. Orhc Note rfovidc.l (archanges in the lnlertsl nle and the
mnnlhly p.1)'mcnl', as (olln~\'
.t. INn:RE.~" RATE ANn I\tONTIII.\' PAYMENT CJlANr.r~'i
(A) Chance n.'n
The inlerest r;tlc I will ray mOl)' ch;toge on tCIl:Ae...aSa:':lCfc"...Dcc.cmbe.r.,.2.J............ l'JaB..... and on that dA)'
evcry 111h munth thcrc..rtcr. I:ath d,lIe on ....hich my interut ralc could change is called II "Change 031e."
,UI TIll' fndn;
Oc(!inning with the lint Change Dale. my interest r:uc will be based on an Indu. The "'ndu" is the weekly IVCrilc
yidd on lJnil~d Sl.ltcs TfI:lI~ury seeurilies aujust~d 10 a constant maturily or 1 year, as made available by lh~ rederal
Reserve Dmard. The m(Xt rccenl Index figule aV3ilable as of Ihe d31e ofi days before each Ch:ange Date is ealled the
NCutrent Indu." 60
H the Indn is no longer available, Ihe Note Holder will choose II new index which is based upon comparable
inronnation The: Note Holdu will Give mc notice of this ehoice.
leI C.lcul.tlon of Chan&~'
Defore ellch ChanGe Date, the NOle Ilolucr will calculate my new interest rate by adding ....,two.,..and..."........
on.~.7.p,~.lf............... pcrcent:age points (.....~.,.~......%) to the Current Index. The Note Holder will then round the
mult of this addition 10 the nutest tlne.eighlh of one percentage point (0.125%). Subject to Ihe limits stated in Section
4( D) below. (hi~ rounded amount will be my new interest rale until the next Change Dale.
The NOle Holder will then determine Ihe amount of lhe monthly r:aymen( Ihat would be sufficient 10 repay the
unp.1id princip:allh:at I am expected to owe ;ltthe Change Date in rull on the maturily date at my new intcral rate in
subslOlntially equal payments. Th~ resurl of Ihis calculation will be the new amounl of my monthly payment.
(0) Limits on Inlrlnt Rafe ChanRfS
The in Ie rest rllte I am requircd to pJY at the first Change Date will not be: gre:uer Ihan ....9..~,I:!.............%or len Ihan
.....7.".7.~............';;.. Therearler, my interest ule will never be: increased or decreased on any single Change Dale by more
Ihan one perccnlage point (1.0%) rrom Ihe rJle of interest I have been paying ror the preceding twelve months. My
inlere.\! rale will never be greater thlln ..JJ.IJ.~.....%.
IE J Errt'etht' Dal~ of Chan~H
My new jnlerc~t rate will become effectivenn each Change Dalc. I will pay Ihe amount of my new monlhly paymcnt
beginning on the tir.~t monthly payment date arter the Change Date until the amount of my monthly payment changes
:Jgain.
IFI No lire or ChanRc5
The Note Hulder will deliver or m;lillo me a notice Or.lOy changes in my interest rate and Ihe amount of my monthly
pilyment before the elTeetivc d:lle of any changc. The notice will include information required by law 10 be given me and
al~o the lille nnd h:Jcphone number of II per\on who will :answer any qucstion I may have regarding the nOlice.
n. TRANSFER OF TilE l'ROPERTY OR ,\ BENEFICIAL INTEREST IN BORROWER
Unirmm Coven;ult 17 of lhe SCCUril}' In'llrUmCnl is amended to re:ld a~ rollows:
Transfcr of Ihl.' I'rup~rl)' or a 8tnl.'tldllllnltrUf In narrower. IrlllJ or any part of Ihe Property or Jny inleresl in it is
\ulU or transferrrd (or ir a benclici;11 ill'crc~1 in Rorrower i~ ~tlld or transferred and Dorrower is not a natural penon I
without Lendcr's prior ....ri\len consent. I.ender may, at its option, require immediale payment in rull of all sums secured
b} Ihi$ SecurilY Instrument. Ilowcvcr.lhis oplion shall nol be e_ercised by Lender ir exercise is prohibited by rederallaw
a\ Ilf the d;lIe of this Security In\trul"l~'n\. Lender IIlso shllll nOI exercise this option if: (a) !lorrower causes 10 be
~ub11lillcd llll.cnrlcr inrormalion teL/uired by I.tnder 10 evaluale the intended transrerce as ir a new loan were being made
h' lhl:' Ir;lO\rcrec: and (bl Ll:'nder reasonably determines thot Lender's security will nOI be impaired by the loan
:1s~ul1lplitln and thaI Ihc risk or a brea~h or any cm'enanl or agreement in Ihis Security Instrument is acceptable to
I,emkr.
MULTISTATE ADJUST^BLE RATE RIDER-ARM S.l-f,II'\OI~ Famdv-Fanni. Ma., Fllddi, Mac Uniform Inst'ument
1\011' .1:J!J /'.11;[ I n:l!i
Form 31D83,8!i
..
r)l:l~
PENNSYlVANIA
STATE EMPlOYEES
CREDIT UNION
October 22, 1997
166608728
Loan N L8
r
Deirdre Nowak
235 State Street
West Fairview, PA 17025-3236
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union
(hereinafter we, us, or ours) on your property located at 235 State
Street, West Fairview, PA 17025-3236 IS IN SERIOUS DEFAULT. The total
amount required to bring this account current as of October 22, 1997 ia
$812.85. A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You have THIRTY (30) DAYS from the date of this letter to cure this
default by paying us the above amount of $812.85, plus any additional
monthly payments which may fall due during this period. Such payment
must be made either by cash, cashier's check, certified check or money
order, and made at the addresa stated below.
If the default is not cured within thirty (30) days, we intend to
exercise our right to accelerate the mortgage payments. This ~ans that
whatever is owing on the original amount borrowed will be consi:ered due
immediately and you may lose the chance to payoff the original mortgage
in monthly instatlments. We will also instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is
foreclosed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt.
If you CUre the default after we refer your account to Our attorneys,
but before actual legal proceedings begin, you will still be required to
pay the reasonable attorney's fees up to $50.00. If the default is
cured after legal proceedings begin, all reasonable legal fees,
regardless of the amount. will be added to the total owed on your loan.
Only if the default is cured within thirty (30) days will you avoid
legal fees.
If we are forced to foreclose and the sale of your property does not pay
off the total debt, we may also sue you personally for the unpaid
balance and all other sums still due under the mortgage.
If you have not cured the default within the thirty (30) day p.,r1od and
foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's foreclosure sale. You may do so by paying the total amount o~
the unpaid monthly payments plu. any other charges then due, as well as
the reasonable attorney's fees and costs connected with the foreclosure
sale land perform any Other requirements under the mortgage).
It is estimated that the earliest date that such a Sheriff's sale could
be held would be 90 days from the date of this letter. A notice of the
Main Address: 1 Credtt Union Place, Harrisburg, PA 17110-2990, (717) 234-8484 . (800) 237.7328
Mailing Address: P.O. Box 67013, HarriSburg, PA 17106.7013' (717) m'21 00 crOO) . (800) 472.1967 crOO)
s._,,,,,,,~ inSllld "".. SIOO,DOOlrt lht _ erotJl u"", ~
f1
date of the Sheriff'. .ale will be .ent to you before the aale. Of
cour.e, the amount needed to cure the default will increa.e the longer
you wait. You may find out at any time exactly what the required
payment will be by calling me at (111)234-8484 or toll free at (800)237-
7328. My exten.ion ia 3120. Thia payment mUat be in caah, caahier's
check, certified check or money order and made payable to PSECU.
You ahould realize that ~ Sheriff'. aale will end your owner.hip Of the
mortgaged property and the right to remain in it. If you continue to
live in the property after the Sheriff'a aale, a law'Uit could be
atarted to evict you.
You have additional right. to help protect your intereat in the
property.
YOU IfAVE TIlE RIGHT TO SELL '1'IlE PROPEP.TY TO OBTAIN HONEy TO PU OFF THE
KORTGAGII: DEBT, OR TO IlOlUlOK HONEy I'ROH ANOTHER LENDING INSTI'1'U'rION TO
PAY 01'1' THIS DEBT. (YOtl HAY IfAVE TIlE RIGB'l' TO SELL OR 'rRAUSI'ER '1'IlE
PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR nlANSJ'ERU: lIHO WILL
ASSlINE '1'IlE MORTGAGE DEBT, PROVIDED :rHlU' ALL '1'IlE ot1TS~ING PAna:NTs,
CHlIRGI!:S AND AT'l'OllNBY' S Ii'EES AND COSTS ARE PAID PRIOR TO OR AT 'l'IlE SALE,
(AND 'rIIAT '1'IlE 0'1'HER PZQtI%1U:MEN'rs tINDER '1'IlE ~TGAGII: ARE SA'l'ISI'IED] .
CON'l'ACT tiS TO DE'l'EIlMINE tINDER lfHAT C%RCtlHSTJlNCES THIS RIGHT HIGB'l'
EXIST). YOtl HAVE '1'IlE R:cGB'l' TO HAVE '1'HIS DEFAl7I.T c:mum BY A THIRD pun
ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be reatored to the aame
position as if no default had occurred. However, you are not entitled
to this right to cure your default more than three time. in any calendar
year.
Sincerely,
f~~~
Edward Bates
Collector
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~ 'PSE(~
PEIIHSYLVAHIA
STATE EMPlOYEES
CREDIT UNION
r~
Deirdre Nowak
235 State Street
West Fairview, PA 17025-3236
October 23, 1997
166608728
Loan H8
IMl'OR'1'AN'1': NOTICE OF HOM!OIINERs'
EMElIGENCY MORTGAGE ASSISTllNCE ACT OF 1983
PLEASE RI:AD THIS NOTICE. YOU MlI.Y BE ELIGIBLE FOR
FINANCIAL ASSISTANCE 'rOWl\RD YOUR YORTllAGE PAYMENTS.
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union on
your property located at 235 State Street, West Fairview, PA 17025-3236
is in serious 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 $812.85.
This sum is good through November 21, 1997.
A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You may be eligible for financial assistance that will prevent
foreclosyre on your mortgage if you comply with the provisions of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You
may be eligible for emergency temporary assistance if your default has
been caused by circumstances beyond your control, and if you meet the
eligibility requirements of the Act as determdned by the Pennsylvania
Housing Finance Agency. Please read all of this Notice. It contains an
explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on
your mortgage for thirty (30) days from the date of this Notice. During
that time you must arrange and attend a face-to-face meeting with a
representative of PSECU, or with a designated consumer credit counseling
agency. The purpose of this meeting is to attempt to work out a '
repayment plan, or to otherwise settle your delinquency. This meeting
must occur in the next thirty (30) days.
I~ you attend a face-to-face meeting with a PSECU representative, 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 of PSECU's representative is the undersigned and'may be reached
at PSECU's address or by calling (717)234-8484 or toll free (800)237-
7328. This representative's extension is 3120. The name and address of
the consumer credit counseling agency in your area is Consumer Credit
Counseling Service of Western PA.,Inc., 2000 Ling1estown Road,
Harrisburg, PA 17102, 717-541-i757. It is only necessary to schedule
MainAddress: 1 Croon Union Place, Harrisburg, PA 17110-2990, (717) 234-8484' (800) 237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106.7013' (717) m.2100 (TOO)' (800) 472.1967 (TOO)
Sa~ngo IIdoRJy _ I.!> II $100,000 by ... _ Crd Urion 1<InO"1b,
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one face-to-face meeting. You should advise PSECU immediately of your
intentions.
If you have tried and are unable to resolve this problem at or after
your face-to-face meeting, you have the right to apply for financial
assistance from the Homeowners' Emergency Assistance Application with
one of the designated consumer credit counseling agencies listed above.
An application for assistance may only be obtained from a consumer
credit counseling agency. The consumer credit counseling agency will
assist you in filling out your application and will submit your
completed application to the Pennsylvania Housing Finance Agency. Your
application must be filed, or postmarked, within thirty (30) days of
your face-to-face meeting.
It is 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 No~th Front
Street, P. O. BoX 8029, Harrisburg, PA 11105. Telephone No. (117)180-
3800 or 1-800-342-2391 (toll free number).
If you choose to exercise. your rights described in this notice, we
cannot foreclose upon you during that time. Also, if you receive
financial assistance from the Pennsylvania Housing Finance Agency, your
Qome cannot be foreclosed upon while you are receiving that assistance.
Sincerely,
~~~
Edward Bates
Collector
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PENNSYLVA~JA S I ,\ J I" L~lI'l( 1\1 J,S
CREDJT UNI( IN,
I', "II ('( 111(( I ()J, t'()~1.\10N PLEAS
I 1'~lIlll{LA~II(,()IJNTY.PLNNSYLVANIA
1'IiI1llllfl
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, ('lVII, At' no~ NO, 1)8-583 I
DEIRDRE NOWAK.
()Cli:nd:lI1t
.\11 )In (;A(jL H )RLCLOSlJRL
PLAINTIFF'S ~lOTlO:-': FOI{ SI'ECI,\L Ol{!> [l{_WRI,:cr n,,(; SERVICE BY ALTF.RNATF. MF.ANS
Plaintiff. I'cnns)'l\'allla Slalc J'lllpl"yws ('1,'ditlJnion ("I'SECU"l, by its undersigned
allorney and pursuant to I':I,R.( '.1', 1'\". ./',(J(a), IllO\," this ('ourl Ii,I' a special order permilling
service ofthc Complainl illlhis actioll by rcgular alld certilied mail. return rcceipt requested to
the last known address of Iklcllllant Deirdrc Nowak and/or posting premiscs. In support of this
motion. the I'laintilT :lvcrs thc li,I!OWlllg:
I. Thc I:lst known rcsidcllce "fthc J)di.:nd:lnt is 235 Slatc Strect, West Fairview,
Pennsylvania 17025-3236.
2. Thc instant :lctioll conccl'lls Illoncy "wed to I'laintiffby Defendant as a result of
Defendant's debult ofhcr oblig"tions ulldcr" Notc and Mortgagc, A copy of the Complainl is
attached hercto as Exhibit "AU.
3, Attcmpts 10 Illakc sCl'I'icc ofllw COlllplaint in this action on the Defendant at the
235 State Strcct, West Fair\'iew, I'cllllsyil'aniaaddress undcr thc regular procedures set forth in
Pa. R.C.P. No, 402 have bcenunsucccssful. The Shcritrs Return of Scrvice is attached hereto as
Exhibit "13".
4, ,.\ re\ie\\ or sev,'"'' ,L'laba,," \\llh 0\ ,'r 1111 lIIillion telephone hook listings in the
United Stales (Yahoo People S,'aleh, ,\II~ II III'. Inll"pace White P.lge Search. Worldpages,
Who Where . Switehhoard and 1'( '4 II. Inc, ) indicate lleirdre Nowak has no listing in the phone
book. Theses datahases carry illli,rlll.llIOIl a' rurrenl as ~Iareh. 1<)1)<), "copy of the No Listing
results for Defcndant arc allached he1,'I<'.1S !-shihit "( '''.
5. " Fedcml Freedtllll or Inli'm",tion ,\rl request to the Postmaster General of
West Fairview. Pennsylvania \\as retllrn"ll with the inll,rlllation that the Derendant still receives
mail at the 235 State Street. \V,'st Fain'i,'w. i'ennsyl':allia 17025-3236 address and has not
directed any rorwarding order I.. .1I1011:er "ddrc", ,\ copy orthe 1'01 responsc is attachcd hereto
as Exhibit "D",
6. ^ furthcr search \\ as cOllducted on a database that includes credit header
information from the three major Credit Ilureau Agencies Illr inllmllation as to Defendant's 1asl
known address, The eomhined report sh"ws the 235 State Street. West Fairview, Pennsylvania
17025-3236 address as the elllTL'lI{ addres,s li,r I Jci'cndant. :\ copy orlhe Report pulled is
attached hereto as Exhibit "1''',
6, To the best or Plaintilrs !;nollledge. inlilJ'll1alion ami bcliel: the residence address
01'235 State Street. West Fairview. Pennsylvania 17025-3236 is the only known address of
Defendant.
7, PlainlilThas madc a t'""d 1;lilh elforl 10 locate and serve Defendant, but has been
unsuecessli,l.
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
: IN TIlE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: CIVIL ACTION NO.
DEIRDRE NOWAK,
y3.. I;'S.3/
{!L-LLCL
Defendant
~OTICE TO DEFEND
You have been sued in court. If you wish 10 defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice arc served, by entering
a written appearance personally or by attorney and tiling in writing with the Court your defenses or objec-
tions to the claims set forth against you. You arc warned that if you fail to do so, the case may proceed
without you and a judgment may be entered against YOll by the Court without further notice for any money
claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to YOll.
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.
Lawyers Referellce Service ,. ,
Cumberlalld Coullty Bar Associatioll
Two Liberty A vellue "
Carlisle, PellllSylVflllill 17013
Telepltolle: (717) 249-3166
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AVISO
USTED HA smo DEMANDADO/A en corte, Si listed desea defenderse de las demandas que se
presentan mas adelanle en las siguientes paginas, debe tomar ace ion dentro de los proximos veinte (20) dias
despues de la notiticacion de esta Demanda y Aviso radieando personalmente 0 por medio de un abogado
una compareceneia escrita y radicando en la Corte por eserito SlIS defensas de, y objecciones a, las demandas
presentadas aqlli en contra suya, Se Ie advierte de que si usted falla de tomar accion como se describe
anteriormente, el caso puede proceder sin usted y lIn falla per ~ualqllier suma de dinero reclamada en la
demanda 0 cualquier otra reelamaeion 0 remedio solicitado por el demandante puede ser dictado en contra
suya por la Corte sin mas aviso adicional. Usted pllede perder dinero 0 propiedad u otros derechos
importantes para usted.
USTED DEllE I.I.EVAR ESTE DOClJMENTO A SU ABODAGO IMMEDIATAMENTE. SI
USTED NO TIENE UN ABOGADO 0 NO PUEDE PAGARI.E A UNO, LLAME 0 VA YA A LA
SIGUIENTE OFlCINA PARA A VEIUGlJAR DONDE PlJEDE ENCONTRAR ASISTENCIA LEGAL.
Lawyers Referellce Sen'lel!
Clllllberllllu/ Cllllllty Bllr Auocill/ioll
Two Liherty A veil lit!
Carlisle, Pellllsylvallia 1711/3
TelepllOlle: (717) 249-3/66
, WALLACE & NURICK
By
F. Stephenson Matthes
Attorney 1.0. No.67408
100 Pine Street
P. 0, Box 1166
Harrisbllrg, Pennsylvania 17108,1166
(717) 232-8000
Attorneys for Plaintiff
Pennsylvania State Employees
Credit Union
Dated: 19 - C. - j8
7, The Note and Mortgage provide thatlJefendant will be in default if Defendant filils
10 pay the fllll amollnt of each mOllthly paymellt when due.
8. The Note and Mortgage provide that PSECU may nOlify Defendant upon default that
Defendant must pay the overdue amount by a certain date or be required to pay immediately the full
amount of principal which has not been paid and the interest owed on that amollnt.
9. Defendant has defalllted on the Note and Mortgage by failing to make proper monthly
payment since AlIgust 22,1997,
10. On or aboul October 22, 1997, PSECU sent Defendant a notice of intention to exercise
its right to accelerate the slims due under the Note if the default is not cured within thirty (30) days
("Foreclosure Notice"),
II. The Foreclosure Notice was sent to Defendant via the United States Mail, Certified Mail,
Relurn Receipt Requested, and was returned to PSECU by the United States Postal Service on November
8, 1997, marked as "unclaimed". A true and correct copy of a Foreclosure Notice, together with a Return
Receipt of Defendant, is incorporated by reference and attached as Exhibit "C",
12. On or abollt October 23, 1997, PSECU sent Defendant the notice required by the
Homeowners' Emergency Mortgage Assislance Act of 1983 ("Act 91 Notice").
13. The Act 91 Notice was senl to Defendant via the United States Mail. A true and correct
copy of the Act 91 Notice, together with a Certificate of Mailing for the Defendant, is incorporated by
reference and attached as Exhibit "D",
14. Under the Note and Mortgage PSECU has the right to recover from Defendant all of the
costs and expenses in collecting Ihe sums owed and due 10 PSECU under the Note and Mortgage,
including reasonable attorneys' fees.
- 2 -
f;l.d.l.) ,SJi:..11l.
Edward Bates, III
VEIUFICATION
Subject to the penalties of IS Pa. c.s, 94904 relating to unswom falsification to authorilies, I hereby
certify that I am Edward Bates, III, Collector. of Pennsylvania State Employees Credil Union, and am
authorized to verify the foregoing Complaint for Mortgage Foreclosure, that the facts set forth in the
foregoing arc true and correct to the best of my information and belief.
Dated: iei I, \ 1'6
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ADJUSTABLE RATE NOTE
(I Year Treas~ry Index-Rate Caps)
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY,
..l)G:!::~.~.~G:JL6.L..........., 19.!!.?
HARRISBURG
.........................i.ci;;'j"......................,
PENNSYLVANIA
..................,......isi~;~.j..........__.-
..~J.:i....!,1,r.~1'.~....~,1'.E.~g:r.....k?g~.1'....f.~f.~.Y..!g!'!.I.....~~.t'!.t'!.~y.~y.~.~.~.t-.....)..?,g.~.~..................................___
(Property Address)
1. BORROWER'S PROMISE TO' PAY
In return for.o loan thot I have received, I promise to pay U.S. S ..2,8...8.0Q,..0.0......... (this amount is called
wprincipal"). plus interest, to the order of the Lender. The Lender is .............................................................._
..1?~~N~.);'.t.Y.~tl.U,...S.'.\'A.T.1L.~J:lI~X.9:;(;;g~....~g~.p.J;.'r...!lt:lJ;.9..I;L........................".................................................
I understand thatlhe Lender may transfer this Note, . The Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Note is called the WNote Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount or principal has been paid. I will pay interest at a
yearly rate of a..2.5.......%. The interest rate I will pay will change in accordance with Section 4 of this Note.
The interest rate required by this Section 2 and Section 4 or this Note is the rate I will pay both berore and afteraDY
default described in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by ma!l~!!. 8ayments every month.
I will make my monthly payments on t'hdholCday of each monlh beginning on .......J,a.tlUilr,Y...2.2........._...._.
19...8.8.. I will make these payments every month until I have paid all of the principal and interest and any other charges
described below that I mal owe under this Note. My monthly payments will be applied to interest berore principal. If,
on ........p..!!.c;:!?m\?!!.;:...~............ 20 ..J.2.., I still owe amounts under this Note, I will pay those amounts in full on that
date, which is called the wmaturity date."
I will make my monthly payments at ...P....Q....Eoll;...1.0.O,6,....Hilr.l:,i:s.D.lJ.l:.9,.....l?h......17..l.0.e............__
................................................................................................................................................................... or at a dilferent
place if required by the Note Holder.
(8) Amount of My Initial Monthly Payments
Each of my initial monthly payments will be in the amount of U.S. $....2.:3.0....1.9........ This amount may change.
(C) Monthly Payment Changes
Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate thaI I
must pay. The Note Holder will determine my new interest rate and the changed amount or my monthly payment ill
accordance with Section 4 of this Note.
4. INrEREST RATE AND MONrHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on ~~~.....Dec:ember...2.3........, 19 ..8.8.., and on that day
every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date."
(8) The Index
Beginning with the first Change Date, my interest rate will be based on an Index, The "Index" is the weekly average
yield on United States Treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal
Reserve Board. The most recent Index figure available as of the date :l!5cdays before each Change Date is called the
wCurrent Index," 60
MULnSTATE ADJUSTABLE RATE NOTE-ARM 5-1-Si"9le Family-Fannie Mae/Freddie Mae Unnonn In.trument
Form 3501 3/85
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(C) Nollce of Deraull
Jr I am in defOIt, ~e N'9te P}!llder may sene me!;! wrillen ~otiJ telling me that if I do not pay the overdue amount
by a certain date, i1ie Note Holder may require me to pay immediately the full amount or principal which has not been
paid and all the intercstthatl owe on that amount. That date must be at least 30 days after the date on whicb tbe notice
is delivered or mailed to me.
(D) No Waber By NOle Holder
Even if, II a time when I am in default, the Note Holder does not require me to pay immediately in full u described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) PaYlllOII1 of Nole Holder', Costs and Expenscs
Jr the Note Holder has required me to pay immedillely in full as dcseribed above, the Note Holder will havelhe right
to be paid bacle by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.
Those expenses include, for example, reasonable attorneys' fecs.
g. GIVING OF NOTICES
Unlcss applicable law requires a different method, any notice that must be given to me under this Note wUl be Biven
by delivering it or by mailing it by /irsl class mail to me at the Property Address above or at a different address if! give the
Note Holder a notice of my different addrcss.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by /irst elass mail 10 the
Note Holder at the addrcss slated in Section 3(A) above or at a different addrcs~ if I am given a notice of that dift'erent
addrcss.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
Jr more than one person signs this Note, eaeh person is fully and personally obligated to keep all of the promises made
in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety orendorserofthis
Note is also obligated to do these things. Any person who takes over thcse obligations, including the obligations oC a
guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note
Holder may enCoree its rights under this NOle against eaeh person individually or against all of us together. This means
that anyone of us may be required to pay all of the amounts owed under this Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment and notiee of dishonor.
"Prcsentment" means the right to require the Note Holder to demand payment of amounts due. "Notice ot'dishonorw
means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some juri,dietions. In addition to the protections given
to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Dccd (the "Security Instrument"), dated the
same date as this Note, protects the Note Holder from possible losses whicb might result if I do not keep the promises
which I make in this Note. That Security Instrument describes how and under what conditions I may be required to
make immediate payment in full oC all amounts I owe under this Note. Some of those conditions are described as Collows:
TransCer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any
interest in it is sold or transferred (or if a beneficial intercst in Borrower is sold or transferred and Borrower is
not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate
payment in full of all sums secured by tbis Security Instrument. However, tbis option shall not be exercised by
Lender if exercise is prohibited by federal law as of the date oC this Security Instrument. Lender also shall not
exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to
evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably
determines that Lender's security will Dot be impaired by the loan assumption and that the risk oC a breach or
any covenant or agreement in this Security Instrument is a=ptable to Lender.
To tbe extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's
consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is
acceptable to Lender and that obligates tbe transferee to keep all the promises and agreements made in the Note
and in this Security Instrument. . Borrower will continue to be obligated under the Note and this Security
Instrument unless Lender releases Borrower in writing. '
Ir Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of
acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or
mailed within which Borrower must pay all sums secured by this Security InSlrument, Ir Borrower fail, to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permilled by this Security
Instrument without further notice or demand on Borrower.
WITNESS THE H...NO(S) ...NO SE"'L(S) OF TIlE UNOERStGNEO.
............tjerr'd:Z~~,:.:,;;rw~..7.,~...,................ 2.:1.
..,.....,.................................",....".....,..,.........".......",.....,.................... (Se.l)
-Borrower
............................................."........."............."........"."..................... (Se.l)
-Bonower
{Sign Origillal Onlyj
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lhu. _bo.. ""t loti.,,,,, .HOO'''~. 0,1'1
MORTGAGE
TillS MORTGAO E ("SCCUflll In'lrument'~ is ~ivt" on .........., ...._.P.E;~. F,:.tl,~t.R..,,~.L...........,.................".......
198.1...., The mOrlKllor is ...........O.f,.~.~,p.B.f.:....~.~.......9...~$..............,... ............,..............................................
... p' "'ii',urv'';'nlii'' Sf.i...o......, ....f. -. .Io...eos.-Cr~drtor{fn'~~.). This 5<<urily In'trumenl is gi~tn ~o .........:....................~....
~.~d.:;ih;I~~~.~i :::: :::::: :::::-:::::: : ..~~.. . :~ :::::: ::::: ::::::::::::::::: ::::::: ::: ::: :'~~d '~';,'~'~~ ~dd~~~';~' ::: .~.~F..~.~~,~ff~~~.1~Q..~.~~~~~~~
.Harri.bu~g..PA ..17.1.0B............. ... .......... . Tw'ENTY.' Ei'GIIT .THOUS^ND ...E rC:H't.' HUNnlmj"Jiltind,,").
Borrower 0 es Lender the pnnclpal \um of ..,..' ............. ...................... ,.....'.. ...........".............................................................
.NO/10,O..,:::.~.~.::.':":.~.~,:':.::::~.':".::'.-:-:.77.7..7.. Dollar1 (U.S. s....la....~.Q.Q.".O'.Q....). Thisdebl is evidenced by Dorrower's nore
dated the same date IS Ihis SrcurilY Instrument ("Note"), whil:h prDtida for moochly payments, with the full debt. irnol
paid c3rlier, due and payable on ,.,.........,....."R,~,c::,~.~g~,;:...~A.I..J~J.~..".........,,,.................... This Security Inmument
secures to Lender: <II) lhe repayment orthe debt evidenced by the NOle. with interesl, Ind.1t renewals. extensions Ind
modificatiuns; (b) the pllymt:nt of all olher surm, wilh inlerest, advanced under paragraph 7 10 proleet the security orlhis
Security Inurumcnl; and (c) the performance ornorrower'scovcnants and agreements under this Security InsUumenl and
the Note. For this purpose, lIorr~wer docs ~erebd mortgagc, granl and convey 10 lender the rollowing described proptrty
located in ...... ........ ....................... .1;I,!!!~.~E... ~.~. ........ ........ ....... ..."....... ...... ...... ...... ................ ........... Coun Iy. Pennsylvania:
ALL THAT CERTAIN lot or tract of land R1tuate in the Borough of West
Fairview, County of Cumherland and !1tate of Pennsylvania, more par-
t i cularly hounded nnel desr: r 1 hed as follows, to wi t:
BF.GINNINO at a point on the northerly line of State Street which
point Is 9.20' feet ea5tll/ardly of the northes9terly corner of Third
and State StreetRj thence Uorth 23 degree5 ~O mjnlltes Rast ~7.03 feet
to a pOint on the Routherly l1ne of Clay Streetj thence along same
North 75 degrees 4~ minutes E~st 24 feet to a pnjntj thence South 11
degrees 41 minutes Eaat 21.47 feet to a point; thence South 3 degreeB
34 minutes Wp.st 50.15 feet to a point on the northerly line or State
Street aforesaid; thence along 5ame North 63 degrees West ~8.al feet
to a point, the place of REGINNINO.
HAVING THEREON F:Rr:C't'FD a dwell ins hnuoe known 83 and number-ed 235
State Street.
BEING the same prem1ses wh ch Hilda M. BerFY.
Berry, hy her deed dated ';;.3 ..f.?.Y7
ately prior hereto, granteri and conveyed unto
gagor herein.
Trustee for Fallert A.
and recorded 1mmed1-
eirdreA. Nowak. Mort-
which has Ihe address or .............2.3.5 ...S..t.a.t.e...S.t.r~~.L...."......................... ................W.fi!l.!iJ..t....r..~1r.Y.'J.~~.."......
[SII~e11 (elly)
Pennsylvnnia ...................t.7-02.5...........".......... ("Property Al.ldreu");
[Z",'tod.l
TOOf.THF.R WITH all the improvements now or hercdter erected on Ihe property, and III easement.. riahts.
appurtenances, renls, royallies, mineral, oil nnd gas righls and profils. water righls and stock and .11 filtturcs now or
hereaner a parI orthe property. All replacemenlS Dnd addilions .~hall also be covered by Ihis Security Inslrument. All orthc
roregoing is referred loin this Security rn~trumellla~ che "Property."
BORROWER COVF.NANTS that narrower is lawfully seised or the enSle hereby conveyed and hu che riaht 10
morlgage. granl and convey the Property and thaI the Property is unencumbered. e~eepl ror encumbrances or record.
Borrower warrants and will defend generally che title 10 Ihe ProperlY againsl all claims and demands, lubJcCllO Iny .
encumbranccsorrecord.
TillS SECURITY INSTRUM!;.NT combines unirorm covenanls ror nacional use and non.unironn covenllltl with
limited variations by jurisdiction 10 constilule a unirorm securilY instrument covering real property,
PENNSYLVANIA-S"'1Kle Famlly-FNMAlrHLMC UNIFORM INSTRUMENT
IOD~ hUIJ FAr,[ 1.035
farm !Q3' 12/Q
U~l1fO\l.M COV[N~..,n nnflO\\o~r 10011.end~r covenant ~nd ~gree l\\ follow'i
1. Illymenl of llrlnc:lpal and InterUI; "replIymrnt and I.lItr Charlln. IInrro....er ,hall rwmptly pay when due
lh~ principal (If.nd internt on the deht eVldencrd by the Note and .any prepaymenlllnd 1lI1e chuge\ due under the Notr.
2, fund. forT_ie' and In'urlnce, SlJhjectto apphcOlble law Of 10 a ....ntlrn wni...cr by Lender, norrow~r shall ra).
10 lender on the dl\)' monlhly paymentt Ire due under the Nnle, untillhe Snle i'i paid in full, a ~um ("Funds") equlllO
one.twelflh of, (I) yearly la_e\ and a\\r\\menl~ .....hlch may l\unin prwnTY over thi, Security In,trument; (h) yeJrly
Ic"ehold paymrnl\ or around renll on the Ilropt'r1Y, If any; rc) yearly huarll in\urance premium\; ami (0) yeJrly
mOrl&DCt iMurlnee rremlum" If any. The\e iTem\ arc called "e,crow lt~m'," Lender IIlllY e\limllte the FundI due on the
bl,i,ofcurrent dllaand rea\onable e,limllte, of fUlUre e\Crow ilem\
The Fundublll be held in an In\lilutltllllhe depll\lI\ Of aCCllunl\ lIf ,",'hith arc i,,\\If((! or guarallleed bY:1 f~deral or
state ageney (includinl lender If lender i\ such an iMtilulion), lender \h31\ apply lhe FUllds 10 pay the e\crOW ilems
lender :nIY not charge ror holdina and Ipplyinllhe Funds, 311alY/IIII Ihe accnunt or v~rifying the t\croW items, un1c\\
lend~r PlYI Borrower inlerest on Ihe Fundi and .applicable law pHmiu Lender to make ,uch I charge. Borrower and
Lender may Ilrtle in wrilinllhat interest shill be (llid on the Funds. Unless an agre~menl \I made or applieahle law
requirel interest to be paid, Lender Ihall nol he required 10 pay nOtrower any inlerell or earningl on the Funds. Lender
shlllaive to Borrower, wilhout charge, an Innual accounting orlhe Fun..!\ showing credit' and debits to Ihe Fund, Ind Ihe
purp':)se for which each debit 10 the Fund\ wn made. The Funds arc pledged liS additional ,eeurity for the \um\ \(Curcd by
thil SecurilY InSlfument.
tflhe amount of the Funds h~ld hy Lender, logether wilh In: fulure monlhly payment\ of Funds payable prior to
the due dales oflne escrow items, shall exceed the amount required to pay thc e1Crow ilem, when due, Ihe elce" ,hall he,
at norro~er's option, either promptly repaid 10 Borrower or crediled to Borrowcr on monlhly payments of Funds, If the
amouni' oflhe Funds held by Lender is not ~ufficienlto POly Ihe escrow II ems when due, Borrower shan pay to Lender any
amount nece51ary to make up the deliciency in one or more payment' as required by lender.
Upon payment in full of all \um\ ,ecured by Ihi:: Security In\trument, Lender shall promptly refund to norrower
any Fund, held by Lender. If under paragraph 19 th~ Proptrty is sold or acquired b)' Lemler. Lender shall apply, no later
than immediltely prior to Ihe sale nr the Property or its acqulsilion by Lender, any Funds held by Lender lltlhe time or
applicalion lS.acreditlg"inst the sunls secured by this Sceurily Inslrument,
3, AppllClltlon of PaymenlS. Unle\\ applicable law prMide!i olherwise, all payments received by L~ndcr ullder
paragraphs I and 2 shall be applied; lint, to late charges due under the Note: second, to prepaymenl charges due noder the
Note; third, toamollnts pnyable under pnragmph 2; fourlh,lointere\1 due; and lllsl, 10 principal due.
4, ChariC5. t.lens. Dorrower ~hal1 pay alltllxes, ll,,~,menl\, charge~, line~ and impositions attributable to Ihe
rroperty wblch may attain priority over this SecurilY Inmument, and leasehold payments or ground renls, if any.
norrower shall pay Ihde obligalions in the manner provided in par~graph 2, or irnnt paid in Ihat manner, Borrower !>hal1
(lay them on lime direclly lOlhe penon owed payment. Borrower ~hall promptly furni~h to Lender all notic~s of amounts
to be paid under this parngrtlph. If Dorrower makes the!>e payments directly, norrower shall promptly furni,h 10 lendcr
receipt~evidencing the puymenl\.
Borrower shall promplly d;schllrg~ tiny lien which ha\ priority over Ihis Security lo~trumcnt unless Borrower; (a)
agrees in writing to Ihe payment oflhe ohligation secured by the lien in:l manner acceptable 10 Lender; (b) conlests;n good
failh the lien hy, or defend, against enforcement of Ihe lien in, leg31 proceedings which in the lender's opinion openue In
prevent Ihe enforcement or lhe lien or rorfeiture of any pari of Ihe Property; or (c) !>ecures from lhe holder of the lien an
tlgreement satisfllctory to Lender subordinating the hen 10 this Security Inslrument. If lender determine~ that any pari or
Ihe Propctty i\ !iuhjecl 10 a lien which ml\Y attain priorilY over lhis SecurilY In,lrument, lender may give Borrower :1
nolic~ identifying the lien. Dorrower ~hllll ,ati,ry the lien or lak~ one or more of lhe actions set rorth ahove wilhin \0 dl\Ys
of the giving of notice.
5. Hazard Insurance. Borrower shall keep the improvemellts now existing or hereafter erected on the Property
in~ured Ilgain~IIM... by fire, hazuftb included within the term "e",lended coverage" and any other hatard~ for which Lender
requires insur:mc~. This insufl!.nce shl\1I be mninlained in the amounl.. and for Ihe periods thai Lender requires. The
insurance carrier rrov;ding Ihe insurance shall be chosen by Dorrower subject 10 Lender's approvlll which shall not be
unre:l5CInllhly wilhhcld. .
All insurance policies nod renewnls !ohall he llcceplabl~ 10 Lender :lnd shall ;nclude a $tandard morlgage clause.
Lender shall have the dghtlo hold Ihe policies llnd renewal~. lflcnder requires, Borrower shall promptly give to lender
nil receipts ofpa;d premiums and renewill noticcs. In Ihe evenl of loss, Borrower shall give prompt notice 10 the ;nsur.lOce
carrier and Lender. Lender may make prooro(\o~s ifnol madc promptly hy Borrower,
UnlC$s Lender and Borrowerolherwise ngree in wriling, insurance proceeds shllll be apf1l;ed to restontion or re(lair
of the Property damaged, ir lhe rC$toralinn or repllir is economically fca..ihle and Lender's security is not lessened. Ir the
resloration or rep3ir is not economically feasible or lender's security would be lessened, Ihe insurance proceeds shall be
applied 10 the sums secured hy Ihis SecurilY Instrument, whelher or nOllhen due, with any exccs~ paid to Borrower. J(
Dorrower .abandons the Property, or docs not an~wer within 30 days l\ notice from Lender thatlhe insurance carrier hll.S
olfer~d to seule a claim, Ihen Lender may colleel rhe insurnnce proce~ds. Lender may use the proceeds tn repair or restore
the Property or to (lay sum~ ~ccurcd hy Ihis Security tn~lrumcnt, whelher or not then due. Th~ 30.day period will begin
when lhe noliee is given.
Unless Lender :md Borrower olhcrwi~e agree in wriling, any applicilf10n of proceeds 10 principal shaH not exlend or
postpone the due chile orlhe nlOnthly payment~ referred 10 in paragntphs I and 2 or change the amounl ohhe paymenls, If
under paragraph 19lhe Property is acquired by Lender, Borrower's right 10 any insur:lnce policies and proceeds resuhing
rrom damage 10 11,e Property prior 10 lhc acqllisition shall pllSS 10 Lender In lhc cxlent nr the sums secur~d by lhis Sectlrity
Inslrumeot immedialely prior 10 the acqlli~ilion.
6. PrtsHvaHon and Maintenance of ProperlYi Lellsehold~, narrower shall nol deslroy, damage or subsl:lOlially
change Ihe t'roperty, allow Ihe Property to deteriornle or commil Wl1sle. If Ihi~ Security In~trument is on II leasehold,
Borrower shall comrly Wilh lhe provisioMo or the lca..e, and if norrower acquires fee title to the Property, the lC1l~ehold and
fe~ tilll:~hall nol merge unle~~ lcnder agn:e5lo the merger in wriling.
7, Protection of 1.ender's Rllthls In the Property; Mnrtgage Insllrnnce. If Borrower fails 10 p~rform the
covenanls and agreements conl:lin~d in Ihi.. Security In~tr\lmenl. or lhere is n l~glll proceeding lhat mlly \igni~can[ly aff~ct
Lender's righls ill Ihe Property (such :IS a proceeding in hankruplcy, probnle, for condemnation or to enforce laws or
regulal;ons), thell1.~nd~r may do :llId po:,' ror whatever is necessary 10 proleclthevalu~ nfthe ProperlY and Lender's rights
in lhe ProperlY. l.ender's aclions may include paying any ~ums ~c~llrl:d hy :I lien which has priority over Ihis Security
Inslrumenl, appearing in court, poying re:l~onable attorneys' ree~ and ellTuing on lhe Properly to make repairs. Allhough
Lender may lllke action under this pllrngrnph 7, Lendcrdoes nnl ha~e III dn so.
Any amounts dishuned hy Lender under Ihis paragraph 7 shall hecnme addilional dehl of nor rower secured by Ihis
Security Inslrument. Unless norrower ancl lender lIgree 10 (lIh lerms llfpaymcnt, lhese ilmountS shall b~:Ir inlerest from
the dllle of di~hurscmcnl al Ihe Nnlc r:ltc and slHIIl hc PllJ ' .1e. wilh it11eresl, upon nnlice rrom Lender 10 Borrower
reque5lingpllYOlenl.
bOO~ bUU W,E 1.[13f;
: \ '. ~ ", . I ' ~I
If Lender required mOrlgage insur;ame 3\ a condillOn of ma\..ln~ the \('1.)0 ,ecured l]y Ihi, Security In\lrumenl,
Oorrower \hall ray the premium!. required 10 maintain Ihe in,urance In eITecl unlll ,uch Ill'ne a' Ihe requirement for the
insurance lerminalu in .ccordance with Oorrower'l and tender" \I.,.llen agreement or 'f'phcilble Ilw.
B, InspectIon. Lender or il\ agent m3Y make rC3\onahl1:: enlrle\ upon and lO\flecti()M or lh~ Prorrrty 1,cnder
,hall gi~e Borrower nOlke al the lime of or prior to an In,pection ,peclfYlng re:l\onablecau\e ror the In,pection.
9. Condemnlltlon. The proceeds of any award or claIm for damagcr.. dlTcct or con,rqul'ntial. in conneclion with
any condemnation or Olher laking or IIny pari or Ihe rror~rty, Of fnr conveyance In lIeu of cundcmnOltion. are hereby
lIuigned and ,hatt be paid to Lender.
1n the e...enl or a lotal t.king of Ihe Property, the proceed\ shall he 3prlicd 10 the lums secured hy Ihis Securlly
In\uument, whelher or nol then due, wilh any excC\\ paid 10 narrower. In the event of a paruallaking of Ihe Propcl1y,
unle" Borrower and Lender otherwise agree in wriling, the suml secured by thi, Security lnslrument "hall be reduced by
the amount of Ihe proceed-, mulriplied by Ihe rollowing fraclion: (a) the 10lallmounl cor the lum" sccured immediately
before the taking, di~ided by (b) Ihe (air m:\rket value of the ProperlY immedialely before the taking. Any balance shill! ht
paid 10 Dorrower,
If Ihe ProperlY is Ibandoned by Renower, or if, lIofler notice by Lender 10 Dorrower Ihal the condemnor olfer..to
make an award or sellle aclaim fordamllSC1. Onrrower f:\ils 10 respond 10 lender within 30 dllYs a(ter the dale lhe nol1ce i..
Siven. Lender i"allthorized to collecland "pply the proceeds. at its o(ltioo, eilher to re..lonlion or repair of the Propaty or
to lhesums secured by this SecurilY Instrument. whether or "otlhen due.
Unless Lender and Borrower otherwise agree in wriling. any .pplicalion orproceed110 principal shall not elltlld or
{lClstpone the due date of the monthly payments referred to in paragraphS 1 and 2 or change the amount of such payments.
10. BortoM'lr Nor Relea,ed: Forburance Oy Lender Not a Walnr. Ellen\ion of the time for paymenl or
modiAcation or amorliulion of the lum" secured by thil Securily Insltument sr:wted by Lender to any successor in
inlercsl of Borrower shall not opc:rale 10 relea'e the liability orlhe orisinal Borro....er or Borrower's \ucce..."nu In i"ttrnt
Lender shall not he required 10 commence proceedings against any succeSSor in inlere't or refuse to eltend lime fnr
payment orolherwise modiry amo"izarion of the sums secured by Ihis ~curil)' Instrument by ruson ofony demand made
by the original BofToweror Borrower's sUcce\.'\ors in inleresl..Any forbearance by Lender in Cltercis;ng any righl or remedy
shall not bea waivcr nror preclude theelu~rcise of any right or remedy,
11, SlIccessors and Assl!:ns Bound; JoInt and Several L1abillly; Co.,ll:'lers. The co~enanl\ and agreemenl\ of
this Security lnmllmenlshal1 bind and benefit rhe SUCCe1sorsand IIu;gns of Lender and norrower, subjcctlo the prnvimJns
ofparllgraph 17. Dorrower':; covenants and agreements shall be joint and ,everal. Any Dorrower who co.~ign'S Ihi~ SecurilY
Inslrumenl bUI dlle~ not execute Ihe Nllte: (It) ir. co.signing Ihis Security In,lrumenl only 10 morlg/llge, gr:\nt and Clln~ey
Ihal Borrower's inlerC\1 in the ProperlY IInder the term' of Ihis Security Instrument; (b) i" not per<<lnal1y obligated to PilY
the sums secured hy Ihis Security 1n\lrument; Bnd (c) agrees that Lender :md any olher Borrower may agree 10 ellend,
modiry. forbear (lr make any accommodalion!'o with regard 10 Ihe lermr. of Ihis Security In\Ullment or the Note wilhnul
thai Borrowct'scnnsent.
12. Loan CluUltCS. If Ihe 10:10 secured by this Security In~lrument i\ ,ubjeclto a law which sels mnl;mum IOJn
charges, and thai law is finally inlerpreled so thai the interC\t or other loan charges collected or 10 be colkded ;n
cooneelion with tIle 10:1n exceed Ihe permilled limits. then: (a) any such Inan charge shall be reduced hy Ihe aCl\ounl
necC5sary to reduce Ihc charge 10 the permitled limit; and (b) any sums already collected from norrower which ucecdell
permilled limits will be refunded to Rarrower. Lender may chOOle to make this rc(und by reducing Ihe prindral owed
under the Note or by making 11 direct {'aymenl tn Rorrower. Ifa refund redllce~ principal, the reduction will be Irealed 11' a
partial prepaymenl without any prepaynlenl charge under the NOle.
t3. Legislnllon Affecting Lender's RlghlS. If enactmenl or expir:\tion o( applicable lnws hIlS Ihe effect of
rendering any provision oflhe Note or this SecurilY Instrument unenforccable according to its terms, Lender, At its O\lt;on,
may require: immL-diatc flaymenr in full of nil Slims secured by thi" SecurilY Instrument and may invoke IInr remedie\
pcrmill,d b, p",graph t9, trL,nd" ",rd", thi' nplion, L,nd" ,hall tak' th''''P' 'p"ifi,d in th, ",ood p",graph nr
p:uagraph 17,
14. Notices, Any notice to Dorrower provided for in this SecurilY Inslrument shall be given by delivering il or by
mailing it b)' Arsl class mail untes!> 311plicnble law require~ use of nnother method. The norice Shllll be direcled In Ihe
Propcny Address or any other address Borrower designalCS by oolice to Lender. Any notice 10 Lender \hall be given by
fir~1 class mail to Lender', address staled herein at any other address Lenderde\ignllle\ by nolice 10 Borrower. An)' nolice
provided for in this SecurilY In~lrUment shall be deemed to hllve been given 10 Borrower or Lender when given liS pro~ided
in Ihis paragraph.
15. Governlnl: l.n"; Scverablllty. Thi~ Securily In\trument ~hnl1 he govcrned by fc:derallllw and the law of the
jurisdiction in which Ihe Property isIClc;llcd. In the evenl thai any pro~ision or cbuse of this Security tn,lrument or the
Nolc conlHclS with applicable 11IW, such conl1ict shall not affect other provisions of thi\ SecurilY Instrument or Ihe Nole
which can be given e!fecI wilhoutlhe connicting provi$ioll. To thi\ end the (lrovisioos of Ihis Security hulrumenl and Ihe
Nole arc declared lobc severable.
16. Borrower's Copy. Borrower shall be given one conformed copy oflhe NOle and ofthi5 Security Instrument.
17. Transfer of Ihe Property or a lleoeficlallnlerrst In Oorrower, If a\l or any pari of the ProperlY or an)'
intere!il in it is sold or 1t:ms(erred (nr ira beneficial interest in Borrower is sold or tr:lOsferred lInd Borrower is nOI a naturll.l
pcr!'on) withont Lcnder'~ prior wrillen consent, Lender may, al its oplion, require immediale payment in full of .lIlum'
secured by this Securily Instrumenl, However, thi!' opti(1O ~hall not bc exercised by Lender it" exerci\e i, prohibiled by
federal law as of the dale oflhis Security Instrument.
If Lender exercises this opt inn. Lender shaU give norrower nOlicenfaccclernticn. The nolice shall flrovide a period
of no I less than 30daY5 from Ihednte the Mlice i~ delivered or mailed within which norrower mu!.1 ray all ,urn' secured by
this Security Inmllmenl.1f Dorrower rail~ to pay lhese sums prior to Ihe exriration of thil period. lender may Invnke any
rcmedies pcrmilled by this SecurilY In!itrument without furl her notice or demand on Borrower.
18. narrower's Right In Rcinslate. If DMrower meet5 certain conditions, Dorrower shall ha~e Ihe dlhllo h/l\'t
enforcement orlhis Security Inslrument discontinucd at any lime prior 10 Ihe earlier of: (11) ~ day" (or ,ucl; othu (lerll)jlat
,pplicahl, I,w m', 'p,dr, ror ,d..""m'n1l boro" ,,\, or th, Pmp"" p""uon' tn on, pow" or ..I. ,no"i.." 10 'hh
SecurilY lnstrumenl; or (h) entry of a judgment enforcing this Security InslTument. These condilieln, lTe lhat Oorrow.tl
(a) pays Lender all sums which then would be due under this SecurilY Inmument lIond the Nole had 00 .cceleratlon
occurred: (b) cures any defllull of any other eovenanlS nr agreements; (c) pftyl all upensCI incurred In .nfnrclnllhh
Security Instrumenl. including, bul f\{'lt limiled to, reason:lble allorney" fee'; and (d) tl\ltu such Ictlnll II t.end" fillY
reasonahly require 10 assure that the lien of this Security Inslrumenl. Lender's rlghls in lhe 11roper1Y allll norro....."..
obligalion 10 pay the sums secured by Ihis Security IMtrument shl\lI continue Ilnchl\llaed. UPOll reiluhltmtn\ by
Borrower,this Security Instrument and the clhligatinns secured hereby ,hall remalO fully elfecllve allf no .,erlfTtllnn hilI
occurred. Howevcr. this right to reinslate shall nol apply in Iheell,e ofllccelerntielll \Ielder partlr,pln I] flr 17.
1."',J
~rHl f\H~ t (I.......
NO'l.U!'/[fORM COV[:"l4NH lIorrollo'er and Ll!l1dcr further Cll~erl"nl and .jfee a~ (oJlow~:
19. Acccletlllon; Remedin. J.ender Ihlll II.. notlCIl 10 Durrower prior to .culerlUon followlnll DNrower',
bruch of.n)' cowenlnl or 'iJ'eemenlln Ihll Security Inllrumenl rbul nol prior 10 .euler'llon under pltaaraph. 1J and 17
unle.. applicable law pro. Ides olhtrwbtJ. tender ,hili noUfy Dorrower of, Imona other Ihlnl': (IJ the dd.ull; fbllh,
Ictlon required 10 cure Ihe def.ull; fcl_hen the dtflull mU'1 be cured; and (dl thai failure 10 cure Ihe def.ult II lpecifled
may rClult In acultrallon o( Ihe lumlsecured by Ihl. Security Inltrumcnl, (oredo.ure by Judlclll proceed Ins and hie o(
Ihe Property. under sh.1I further In(orm !Jono"er o( Ihe rlah110 relnllale Ifltr .ceeler.llon .nd Ihe rlShllO "Uti In the
(oreclosure proceed/nllhe non.exlUtnce 0(. del.ull or any olher delense o~ norroW'er to acceleration and foreclosure. If
Ihe default I. not cured as .peclfled, Lender 1111. option mlY require Immediate plymenll" (ull ofanlum. secured by thl.
Security (n.trumenl without (urther demand and m.)' (oreclo" lhl. Securll)' Inttrumenl by judicial proceedlnE. IAndtr
,hall be entitled 10 co1!ecl all expenles Incurred In puts"lnlil the remedies prowlded In thlt paraEraph 19, Includlnl, bul not
Ilmlled lo,attorney.' (ees and cosl. o(lllle ewldence 10 Ihe ellenl permllled b)' applicable la".
20. Lender In POS1esslon. Upon .cederalion under par.grllph 19 or abandonmcnt of the Property, Lender (in
penon, hy .gtnl or by judicially Appointed rccei'Ocr) sh.all be entilled lu elller upon, lake ponesllon of Ind min. Ie Iht
ProperlY and 10 collecl the renls nf the Proper1y including those PUI due. Any renls collected by Ltnder or Ihe recei\'er
shall be applied IIrst 10 paymtnl of Ihe cost! of management of Ihe Propert)' .nd collection of renlS, ineludina, bul nol
limiled 10. receiver's fees, premiuml on receiver's bondl and rt'uonable allorneYI' feC5, and then to Ihe sums secured by
thi! Security Instrumenl.
21. Release. Upon paymenl of allium. secured by Ihis Stturily Instrument, Lender shall di~chllrge this St'curilY
(nmument without charie 10 norrower. Dorrower shall pay any recorda lion costS.
22. RelnUalemenl Period. Dorrower's lime 10 rt'inltalc pro\'idt'd in paragraph 18 shall extend to one hour prior 10
the commtncemenl orbidding af 1lI sheritr, sale orOlhersale pursuanllo thi~ SecurilY In~trument.
23. Purchase! Mane)' Martlla!:e, ffany o(thedebl secured by Ihis Security Inslrumcnt is lent to Borrowe~ 10 acquire
litle to Ihe Property, Ihi,Stcurity InslrumenlshalJ be a purchase money mortgagt.
24.lnlere,1 Rile Mler Judlflllent. Dorrower ngrees Ihallhe interesl rate payable afler ajudgmenl is entered on the
Nole or in In action ormarlBlIge (orec:lmurelhaJl bethe rate payable from timelo lime under the Nole.
2S. Riders 10 this Securlly Inslrument. Ifone or more riders are executed by Dorrower and recorded together with
Ihis Security Inilrument, Ihe covenanl, and agreements of each ~uch rider shall be incorporated into and shall amend and
!upplemtnl Iht covenanU and 8gffCmen/J oT ,his Security lnJ/rumenl liS if lhe rider(s) Were a part or this Sccurily
Inltrument. [Check applicable bol(es))
[] Adjuilable Rale Ridtr
o Graduatcd Paymtnl Rider
DOlhet(s) (specify]
o Condominium Rider
o Planned Unil Development
o 2~ Family Rider
Rider
f't
rf\
8
tY-'
(li
Bv SICNING BELOW. Dorrower accepts lInd agrees 10 Ihe lerms and covenants contained in this Sccuriry
Inslrument and in any ridtr(s) executed by Borrower and recorded with it.
~~~%'0-~""""""""
"'D'c.Gfr~~-:::~~;':ifi"'~'~."'::B~S~~
............................................................................
.,...,...,..........."........................................(SeaJ)
-Ilot._
COMMONWE4LTII OF Pl'..NNS'l'LVANIA, ....... Cumberland.,....... . ,.... . .County ~s:
On this,lhc... .:ZJ.I:Q... .dayof......., December......., 19.87.: beforc me,a. Notary..... ...
Public. . .. . .. . . . . . . . the undcrsigned officer. pcr~unally appcan:d. . . De l.J:dre. .IA... . Na,..ak. . . . . . . . . ..
. ... .................................... ................... . ..... .. known 10 me (or ~ntilifdctorily
proven) to be tht person... . whose nilme.is........ .sub~cribcd W lht; within in~trulllenl and acknowleuged that
she........ .e;o;ccuted the same for the purposc~ herein cOl\tained.
MY;:m\:I;:::~,:;':~or, I h"'"nl"'" my hOOd'tdt"dOffi"'1 ~2(l~::~~....
Notary pUbl.,i.:C . ,.' \:'.\ ~
llSAfI"~.~:EUl::1. Nc:taryPublic ......,...... ................ ..,....... .~;~. .....:..::. ...
Camp H,a. (u~1l;erI4nd Co., Pa, Till' Qr OHI~Ir'. .' .., : .::
M, (om.,..,,, "P,,,.I", IJ. 1991 ':::'c; ....:.:':,~~'~;.::'t.,:
.' ":t.
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,"
ADJUSTABLE RATE RIDER
f 1 Year Trel~ury Indu-R.'t Cap. I
THIS ADJUSTABLE:"Rt'TE RIDEr{:is miJdc Ihis,:.I..?}.F,~tJ3Y 0(1,... p,"r;""'hr>r . 1,/'"' . ulf i,
incorporOlled inlo and ~hall be deemed 10 amend and suppJemcnl the MOf'JaaC, Deed or Ttull (If S<<(ljlll~ Ou.l (Itlt
"Security Instrument") or the S3mc dale: ~~cn bX the undculncd Ithe "norrowcr~) It) 'CCUFf f1nrtn..u', !\,IJ-J",bl.
Rate NOle (the "Nolen lo.."I?:F;.~N.~..,!.~.,..~.r.~.I.......~.:r1\.r.E,.._..~1?~0'(~E._S..'::~!::)!.! tJI~ r (l~J
.........,................. .... (the "LcndcrR) of the ume d;llc and 'll~crlna Ihe rllllt~ll) d"l,'llle,lln
the Security If,llfument and loc:ued at:
? .~.~. ..~:r.!.>.r.;;...~.T.R.;;:T.,....~;:.?r....f.~.p~y..U:.W,'....~.;,N.t.! ~.y_~'y ~\~l. ~.'~ .. ...P./),= ,f,
Irro~rt, Ad<l'CI1!
THE NOTE CONTAINS PROVISIONS ALLOWINO FOR CHANOES IN THE INTEREST RAT!
ANO THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE DORROWER'S
INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATI! Tur Don.
ROWER MUST PAY.
AODlTION^,.COVEN",.,.,.S. In addition to the covenants and asreemenu mlde In IheSeCUfll) IllltrUJl1fnl.lI"rflll.."
nnd Lender further co~ennnt and agree: as folloll.'~:
A, tNTEREST RATE AND MONTHI.Y PAYMENT ClIANCr.s
The: Note providc~ for an initial inle:resl rate of "..e....J.~....';t.. othe Nflle provides (oJt chJM,'1 in lht mttT"l flte a""lhe
monthly payments, as fortow.~:
4. INTf.REST R,\TE ANn MONTHLY PAVMENT CIIANr.rA~
f A I Chanie Dales
The interest rate I will pay may ch:lnge on tt.ll:$lC't:~)Ck......Dcc.cmbf!x 2.). ,lfmO. 11011 fIn Ih,t llay
every I:!th month thcre:lher. Elich d:ue on which my intetest nle could chOlnge it CllItd.1 "Chlnlt' Dale,"
10) Tbt' Index
Dc~inning with the liulCh:'lnge Dale, my inleres( rate will be ba~ed on nn Indu. The "lnde."lllhe ....e'..I)' 1~t'f'1I"
yield on United St:ttes Treasury securitie~ ::Idjusled to a constant malurity of I )tlIr, II IIlllle aVllilahle b)' the rtdcT.l1
Reserve Board. The mmt recent 'ndex ligure 3vail"ble::ls of the d"le .ft dIY' befofe ellch Chilnlt Dlllt i, ullttf Ihe
"Current Index." 60
If the Index is no longet avnil:Jblc. the Note Holder will choo~e i1 new inde~ which it baled upon c.:lJtllp.,.bll
inf"rm,uion. The Note Holder will give me notice or thi.l choice.
'C) C'aleulalion of Chaneu
Defore eacb Change Dale. the Note Ilolder will c31eulate illY new inlerest rale by Idtlln, .....lwQ....anfl............
Q.n.fi!:.7.n..o?.J..L............. p=rcenl3ge points (.....;L..~......%) to Ihe Current Imln. The Note lIolder will then rnuntllhe
re~uh of this addition to the nearest nne-eighlh of one peteenlilge point (0.11.5%). SubJecllo the limit. Itlled In Seclion
4( D) below. thi!> rounded amOunt will be my new interest rale until the nUl Chllnae O.lle.
The Note Holder will then delermine the 3100unt of lhe monthly r:tymenl lhat would be luffidcnt 10 repay lhe
unpaid principal !h::lt I am expected 10 owe :ttthe Change Dale in full on the maturilY date 4Im)' new Interetl rale in
substantially equal payments. The result of this e::lJcul3lion will be the new amount of my munlhly r.yment.
IOJ Limits on Interest R3le ChanlU
The interest riue lam required 10 pay at the first Ch:1nge Dnle will not be grenter than ....~..t.I~...""......%or leu than
.....7..l.I~............'i:.. Therearter. my interest rllte will never be incre:ned or decreued on "ny .inale Change Dlle by morel
than one percentage point (1.0%) from the rale of interest I have been plying (or the pttcedin, twelve monlhl. My
intere.~l rate will never be gre.ller than ..J.J.,..7.~.....%.
(E) ElTeclht' Dale of Change!;
My new intere!>t rate will become effective on eaeh Change Dnle. I will flay the amount or my new monthly pllymenf
beginning on the lirsl monlhly paYinenl dale aftet the Ch:lnge Date Untillhe "mount or my monthly payment ch.nllcl
ngain.
IF') NOfice' nf Chang~5
Tht:: Note Hurder will dclivt::r or m;lillo me.1 notice of .1ny ehilnGes in my interul urIc and the amounl army monthly
payment before the errective d3tc ofnny char,ge. The nolice will include inforrnalion requIred by low to be aiven me ud
also the litle :lnd Idephone number nr a penon who ....ill ilnSWer any question I may have rrgltdins thc nOlice.
0, TRANSFER OF TilE PROPF.RTY on A IIEi"lf:F1CIAJ. INTERF-5T IN nOR ROWER
Uniform Coven,lnt 17 u{the Security IO~lrument is nmcnded 10 read iH follnw,:
Transfer of Iht' Prnperly or a n"n"ficl:lllnICfru In Borrower. Ifill! or any part oflhe Properly or any Interetr in it i,
sold or transferred (or if a benelicial intcrC~lln 1I0rro....er i, ~uld or Irilnsferred IInd Dorrower is n011l nllunl per~on)
without Lenders prior ....riuen consent, Lender may. at ill oplion, requIre immediate payment in (ull ofllll sum' secured
b) thi~So.:curity Instrument. Ilowever, this option sh::lll nOI be e\erciled by I.ender Ifuereise i. prohibited b)'federll.llaw
;JS \If the d,lIe o{ this Se\:urily InslfUMenl. Lender :tll" shall nOt uercilc thl' option Ir: (I) Rorrower cause. (0 be
~ubmilled to I.ender in[oJrnl;llion re4uired by Lender to evuluate the inlended trlnsferee III ira new lOin were beina mlde
hl tho.: transferee; ;lnd (b) Lender reasunably determine\ thJt Lender's security will not be impaired by the lo.n
assumptioJn and that the risk oJ{ a bre.lo.:h o{ ,Jnf Cll~enanl t)r ,18rc(menl In this Security Inltrument I, accept.ble 10
I_cnuer.
MULTISTA.TE ADJUSTABLE RATE RIDER-ARM 5.1-~",.,.p ~.l,,",J._Flnnl' Mu rllddl' MIC Unllarm ,nll/umlnl
Form 3108 3,85
1:011' ,'l:m I.IIi J 11:\:1
r J[\.t'
PENNSYlVANIA
STATE EMPLOYEES
CREDIT UNION
c
October 22, 1997
166608728
Loan #L8
Deirdre Nowak
235 State Street
West Fairview, PA 17025-3236
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union
(hereinafter we, us, or ours) on your property located at 235 State
Street, West Fairview, PA 17025-3236 IS IN SERIOUS DEFAULT. The total
amount required to bring this account current as of October 22, 1997 is
$812,85. A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You have THIRTY (30) DAYS from the date of this letter to cure this
default by paying us the above amount of S812.85, plus any additional
monthly payments which may fall due during this period. Such payment
must be made either by cash, cashier's check, certified check or money
order, and made at the address stated below.
If the default is not cured within thirty (30) days, we intend to
exercise our right to accelerate the mortgage payments. This :eans that
whatever is owing on the original amount borrowed will be cons1dered due
immediately and you may lose the chance to payoff the original mortgage
in monthly instailments. We will also instruct our attorneys to start a
lawsuit to foreclose your mortgaged property. If the mortgage is
foreclosed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt.
If you cure the default after we refer your account to our attorneys,
but before actual legal proceedings begin, you will still be required to
pay the reasonable attorney's fees up to S50.00. If the default is
cured after legal proceedings begin, all reasonable legal fees,
regardless of the amount, will be added to the total owed on your loan.
Only if the default is cured within thirty (30) days will you avoid
legal fees.
If we are forced to foreclose and the sale of your property does not pay
off the total debt, we may also sue you personally for the unpaid
balance and all other sums still due under the mortgage.
If you have not cured the default within the thirty (30) day period and
foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any tin~ up to one hour before the
Sheriff's foreclosure sale. You may do so by paying the total amount of
the unpaid monthly payments plus any other charges then due, as well as
the reasonable attorney's fees and costs connected with the foreclosure
sale(and perform any other requirements under the mortgage).
It is estimated that the earli~st date that such a Sheriff's sale could
be held would be 90 days fro~ "he date of this letter. A notice of the
Main Address: 1 Credit Union Place, Ha.risburg, PA 17110.2990, (717) 234.8484 . (800) 237.7328
Mailing Address: P,O. Box 67013, Harrisburg, PA 17100.7013' (717) 7n.21 00 (TOO) '(800) 472.1967 (TOO)
SaWIQS rednl~ inJLt8d L9 to S100,000 1., trt NltirwI Ctedl Urion .&.dtritismon.
. 'r~tL~ r' c'
PDlHSYlVAHIA
STATE EMPlOYEES
CREDIT UNION
October 23, 1997
166608728
Loan "8
Deirdre Nowak
235 State street
West Fairview, PA 17025-3236
IIG'ORTAN'r: NOTICE OJ' HOMEOWNEllS'
EMERGENCY MORTGAGE ASSISTANCE ACT OJ' 1983
PLEASE IU:AD 'l'IlIS NOTICE. YOU MAY BE: ELIGIBLE FOR
J'INl\NCIAL ASSISTANCE TOW1\l\D YOUR HORTGAGE PAYMENTS.
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union on
your property located at 235 State Street, West Fairview, PA 17025-3236
is in serious default because you have failed to pay promptly
installments of principal and interest, as required, for a period of at
least siKty (60) days. The total amount of the delinquency is $812.85.
This sum is good through November 21, 1997.
A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
yOU may be eligible for financial assistance that will prevent
foreclos~re on your mortgage if you comply with the provisions of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You
may be eligible for emergency temporary assistance if your default has
been caused by circumstances beyond your control, and if you meet the
eligibility requirements of the Act as determined by the Pennsylvania
Housing Finance Agency. Please read all of this Notice. It contains an
eKplanation of your rights.
Under the Act, you are entitled to a temporary ,tay of foreclosure on
your mortgage for thirty (30) days from the date of this Notice. During
that time you must arrange and attend a face-to-face meeting with a
representative of PSECU, 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 neKt thirty (30) days.
I~ you attend a face-to-face meeting with a PSECU representative, 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 of PSECU's representative is the undersigned and'may be reached
at PSECU's address or by calling (717)234-8484 or toll free. (800)237-
7328. This representative's eKtension is 3120. The name and address of
the consumer credit counseling agency in your area is Consumer Credit
Counseling Service of Western PA.,Inc., 2000 Linglestown Road,
Harrisburg, PA 17102, 717-541-i757. It is only necessary to schedule
Main Address: 1 Credh Union Place, Harrisburg, PA 1711()'2990, (717) 234-8484' (800) 237.7328
Mailing Address: P,O, Box 67013, Harrisburg, PA 17106.7013' (717) m.21 00 (TOO)' (800) 472.1967 (TOO)
SI.ngs fod<<1lly _ ~ " 1100,000 by '"' _ Cnclt Urian --
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Postmaster
West Fairview. PA 17025.3236
City, State. ZIP Code
Date: Decemoer 23. I (jl)K
I(ell"e.t rnr Chlln~c nf '\1111 re.. nr IIn,hnhler
Infnrmlllinn Needed rnr Sen'iee nf l.e~IlIPrncess
Please furnish the new address or the name and strect address (if a hosholder) for the Jl)lIowing:
Name: Deirdre NO\\I:lk
Address: 235 Stale Street. West Fairview. PA 17025-3236
NOTE: The name and last known address an reqllired for change of address information. The name. if
known, and post office box address are reqnired lor oosholder information,
The following information is provided in accordance with 39 eFR 265,6(d)(6)(1I), There is no fee for
providing boxholder infornlation. The fee for providing change of nddress information is waived in
accordnnee with 39 eFR 26;,6(d)( I) and (2) and corresponding Administrntive Snpport Manllal 352.44a and
b,
I. Capncity of requester (e,g.. proeess server, attorney. party representing himsell):
ParalcL!al for attorney
2, Statllte or regulation that empowers me to serve proeess (not reqllired when requester is an attorney
or a party acting pro se - except a corporation acting pro se must cite statute):
3. The names of all known parties to Ihe litigation: Pennsvlvania State Emplovees Creditllnion
and Deirdre Nowak
4, The court in which the case has been or will be heard: Court of Common Pleas
Cumberland County. Pennsvlvania
5. The docket or other identifying number if one has been issued: 98-583 I - Civil
6. The capacity in which this individual is to be served (e,g, defendant or witness): Defendant
WARNING
THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS
INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE
SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE UTIGA TION
COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000 OR
IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS
INFORMATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE IS U,S.C. SECTION 1001).
I certifY that the above inforllmtion is true and that the address information is needed and will be used solely
for service of legal process in connection with actual or prospective litigation,
/ ~7j'l)J)/ /i '/";"-;:7'- 100 Pine Street P,O, Box 1166
S'ignature. '-) Address
Kimberlv M, Adams
Printed Name
Harrisollr~. PA t7108-1166
City. State, ZIP Code
FOR POST OFFICE USE ONLY
_No change of address order on file, NEW ADDRESS or
BOXI-IOLDER'S POSTMARK
Not known at address given, NAME and STREET ADDRESS
== Moved, left no forwarding address,
No such address
c(~j) J)f~oj
{c--~
MoL~~
Date: 2/2(,/99
Reference: 1~~33-02~~
Search Criteria: 166-~O-j72~
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", ~ : ~ .",',
.. PLF..ASE UOTE: To a'/oid U:l!1"'~"";;;'I:'/ :),,\1.1'.'::, '.1:; i.ct ~;~l/~:'::!:. n'.ll:~.:.pl"
.. records with thf~ :;,un~ :io'-:l:11 :,;.. ''It ~'_~' 11l::~J..-.: !~nl~~;:~ U';fo r:.tm..:; It.:
.. signifi'=<lntl'j ditfcI:cnt. ;;'~l'."_"lLI d :'~",:! 'd:,l-h (_'-;ntd:'n': I -';-::.11
.. Securi.ty tlumbf~l" will tc'Il:;Ut... d fn-:,' "'''~'.r'I'::j'':;:,;: 'f" t'~i~~:r'~
Item Name
Address
: ~ :; : ; iI
f:J3
:-;:: '''': r ::.~
--------------------------------..------------- -----------------------------.---
?..p::;..r~>:-rJ [i"1te
1 NO~IAK , DEIREDRE A
235 STATE ST, EnOL.;, PA 171)25
2 1l0~IAK, DEIRDRE A
235 STATE ST, ENOL-'\., PA 17025
3 1l0NAK, DEIRDRE ^
235 STATE ST, ENOLA, Pl\ 17025
4 NOWAK, DEIRDRE A
235 STATE ST, ENOLA, PA 17025
1~~-~0-872~ 00/62
Ct.:di ';;. He~lde= 1
04' ?3
IGG-60-~728 09/1l/1?~2 Cc~p~~~te Info
1219]
1~6-60-a728 1962
Credi':: Head,'r ...,
06/98
16,~-6U..8'/28
Credi t Header 3
02/89
5 NONAK, DEIRDRE A 166-60-8723
817 UPLAND ST, MECHAlIICSBURG, PA 17055
Cred: ~ Header 3
10/37
********** ALL THREE CREDIT HEADEH SOURCES Kr..VE BEEN SEAHCHED
.....................
Date: 2/26/99
Reference: 15933-0269
Search Criteria: NOWAK DEIREDRE A
Discovery PLUS! - Social Security Number Search
Time: 2:15 PM
Requestor: 360
-------------------------------------------------------------------------------
*** SOCIAL SECURITY NUMBER:
166-60-8728
State: PEtHlSYLVANIA
Year Issued: 1979 - 1981
===============================================================================
*** DEATH RECORDS ASSOCIATED NITH SOCIAL SECURITY NUMBER(S) :
Data Available From 00/00/00 Through 09/30/98
tro records found.
===============================================================================
*** SAFES CAN (registered trademark of EQUIF.Ll,X INC.) :
Safes can message net reported.
===============================================================================
U* THE FOLLOIHNG SUBJECTS MATCH ON SOC:."L SECUP,ITY NUMBER AND HAVE ." SIMILAR
NAME:
NOWAK, DEIRDRE A
NOWAK, DEIREDRE A
166-60-8728
166-60-8728
Credit Header 2 106/98)
Credit Header 1
...-""~...":;:O="''''........ '"',,_.
... AnDtTIcllld. UA:1E ';;) r'-)'illlJ F + Y':;'];' :.: J'Ii\',
." j- : ':"/ ::~ ::':1' Ei' "
I,
I,:.; (,I' ..
:.11', !!"l'j.,:-- :
...~.a.m~_~~~~'~~=~-
..- ---_.. -- ----
.-.--.. - - ---
............... l\:"r. TIlPEE cr~r;llrT ilF..-\:'Ef.' :.~,-:,:li'~:E,; 11,:'.'/E I'U,::: :'r:;d,.'llr~rl ..........
D..=~=.~~=~r=~==========~~===~=~==~==~~==~~=~~=_==..;~~=~=~===~=~=~~~~='-'=~~=~=~=
... SUBJECT'.) '\[.lDRE3:, HISTOPY (' !:mrCl\T!-;:::; ?r:':.'.:r'-:i.~ :':r 7H TilE: :'1:'::7 C;FrE:iT ['N:'El
PUBLIC RECORD;) WI LL OJ:L Y BE S Eld~CHED fOP THE:~ F: l' :wr/I [JUt',:';;:
NOWAK, DEIRDRE A
~;:;;: If,(-i>)-:372~
>235 STATE ST, EIIOLA, p,; 170:5
Cr~dl.t H'.:.J.der 2
Corr.pc~ite Info
Credit Header 3
Credit Header 3
(!)6/98 )
112/931
102/891
110/87)
817 UPLAND ST, MECHAlIICSBURG, P,:" 17055
Date of Birth:
1962
09/11/1962
FE11ALE
19787035
09/30/94
Credit Header 2
Composite In:o
Composite Info
Corr.posite Info
Composite Info
Gender:
Driver Lic. Humber:
License Expires:
-------------------------------------------------------------------------------
NOWAK, DEIREDRE A
AKA: MOWAK DEIRORE A
Date of Birth:
Phone:
File Creation Date:
09/62
77 4 - 3 62 9
02/82
SS# 166-60-8728
Credit Header 1
Credit Header 1 104/93)
Credit Header 1 108/88)
Credit Header: 1 108/86)
Credit Header 1
Credit Header 1
Credit Header 1
STATE ST, ENOLA, PA 17025
UPLAN, MECI'.AJICISBURG, P.; 17055
GEARY AVE, NEW CUMBERLAND, PA 17070
===============================================================================
..> THE FOLLOWING BANKRUPTCIES, LIENS AND JUDGMENTS WERE IDENTIFIED:
PA Bankruptcies
Data Available From 00/00/00 Through 00/00/00
Nalne and Address Search
No records found.
Bankruptcies
Name and Social Security Number Search
No records found,
===============================================================================
>.. THE FOLLOWING REAL PROPERTY OvlNERSHI? INFOPJ't:"TION ,'IAS IDENTIFIED:
t r\ i-._' 1: I: !,:. '/
1'.1'_ I /\'.',11: Ii" ,.
Owner (:;) :
Mai 1in() "'J;lr,',,":,,"::
PrOfH!rt,/ ;..rldr,',';'::
F: I',
"', ,-
.,t.
'1 I; ~
::0:'11\1': tiEli<+E t\
.:.: ~ r~ ::'j'r\7?:
l-::;nu\ ! ':', 1',"
~' .. I
~:T.....'!';':
E::c:.;, ;-"r!~:r, :'.. ~'.
Owner (oS) Pbon,,' lIo.:
Count,: eel,mEFI';":;!.1
Sale Informat:on:
A:;;;i~':;~;C:: rn~cr::\.)t. i':.'f'.:
-----------------------------.------- --- ---------------------- ----------
12/2':'1 1~'87
S;-:p:npticn~.'i, :
Td:-: ;'.!l.ocnt:
A::':':t">ssed '/iduA:
f'~r'=cnt Ir.'.prc',/i.:-d:
Y~~r S01d t~ S~~tc:
:;:;,3UJ
Sale Date:
Document No.:
Sale Amount:
Sale Full/Part:
Loan Amount (!STl :
Loan Amollnt (211DI :
Loan Type:
Multi or Port:
:; 'J '~ 1
~32, 000
CCnVE1JTI0:1AL
Hap Grid Old:
:'~ap E-'age tle'rl:
H<1p Gcid :Ie~..,r:
I)U(')3
!)r)08')~
--------------------------------------------------------------------------
Property Characteristics
Owner(s):
Parcel No.:
County:
Land Use:
Sale Date:
Property Address:
Mailing Address:
Owner (s) :
Parcel No.:
County:
Land Use:
Sale Date:
Sale Amount:
Property Address:
Mailing Address:
--------------------------------------------------------------------------
2,178
49
49
Square Fe~t:
tluf!1ber of Spaces:
Lot Size:
Lot Width:
Lot Depth:
12138
--------------------------------------------------------------------------
-------------------------------------- ------ --- - - -- .-- ---------- - - - ----- - - - --- - - --
--------------------------------------------------------------------------------
..* PROPERTY OWNERS WERE IDENTIFIED FOR SUBJECT'S ADDRESS I ES I :
PA Real Property
Data Available From 00/00/00 Through 00/00/00
KOTI, PAUL B & HELGA H
1143074628
SARASOTA
UNKlIOvlN
02/01/1994
SAIl NATEO DR
817 UPLAlID ST
NECHNiICSBURG PA 17055-4356
KOTI, BALAZS P & HELGA H
1143074629
SA?ASOTA
UN KN OvlN
02/01/1972
$1,000
S.'\H W\TEO D?,
817 UPLl.JW ST
t1ECH.'\HICSBURG PA 17055-4356
Owne r (s) :
P.1rc~l no.:
county:
Land Use:
Property ^dd[l~~;::
Mailing Acldre!.;:.;:
Owner (s) :
County:
Sale Date:
Mailing Address:
Property Address:
Owner(s) :
County:
Mailing Address:
Property Address:
r:.. h"':::,
'1 .1 ' ~ ,': ,\ -: i. .
C ;,L Cj!
u r:: .,';::
:'L
H17 IJ1':,;,:l:' ;:.T
1':E::Hi..!lrr::JB~jp(j P;.. :7(~~.:-,lj~i:;
K:)1'1 E~';-r..;..,ZS PA'JL
CU:'lAE?:"JJID
00/1',71
81'1 U?!J.~:D ~)T
HECHA:lIC3EUFG P,;170SS-43S6
Ph
KOTI BALAZS ?AUL
CU:1RERLAlID
317 U?LNID:31'
MECHJ.JIICSBURG PA170SS-4356
PA
Other owners may exist at this address.
Owner(s) :
County:
Sale Date:
Sale Amount:
Mailing Address:
Property Address:
REILEY LORRAINE R
CUl1BERLAlID
08/24/i990
$87,000
505 GEi',RY AVE
HE~I CUMBSRLAlID 17070-1857
505 GEi',RY
HE\'1 CUMBERLAlID 17070-1857
===============================================================================
H. NEIGHBORS OF THE CURREnT !'.DDRESS .".RE LISTED BELO\'1:
235 ST.".TE, EHOLA, PA 17025
Name: GI LBERT, JED H
Updated: 09/98
Address: 224 ST!',TE ST
EHOL1-" PA 17025
Name: SCH~IEIER, DONALD
updated: 09/9'1
Address: 224 STATE ST
ElIOLP-., PA 17025
Name: DSTEN, SCOTT D
Updated: 05/98
.
.
..
.e..ddress:
;~;:r) ::,:'xn: ,'.
E~;:J:';~, Ii,. 1" .-'s
Hamf.':
Updated:
Addrcso :
CPtJ!-lb, rEf.' Vi'
fJ 8 /~. B
22S ~3TATE :;T
E:IOU\, 1',:\ 17r,;~,~
Name:
Phone !lumber:
Updated:
Address:
GH..'\'(BI LL, J'::;I1:! t<
73:-78l~J
I):J/;.j
226 STATE Si
E:;Ok\, PA 17025
Name:
Updated:
Addre'5:
COLL::rs, LONlIIE L
01/97
229 STATE ST
ErrOLA, P/\ 17025
Name:
Updated:
Address:
GATES, KINBERLY S
02/95
230 ST!',TE ST
EUCLA, PA 17025
Name:
Updated:
Address:
BO\'lERS, VIRGINIA R
10/98
231 STATE ST
ENOLA, PI'. 17025
Name:
Updated:
Address:
BUNBPACK, RONDA L
06/96
232 STATE ST 1
ENOLA, PI'. 17025
Name:
Updated:
Address:
HILLER, S.l\LLIE
06/94
232 STATE ST B
ENOLA, PA 17025
===============================================================================
RESIDENTIAL DEHOGRAPHIC INFORM.l\TION FOR HOST CURRENT ADDRESS:
235 STATE, ENOLA, PI'.
17025
No records found.
===============================================================================
..* THE FOLLOWING CORPORATE RECORDS Wo.TCHED YOUR SUBJECT'S N!'JolE:
PI'. Corp Data Available Thru 02/22/99
No records found.
==============================================================~================
No resord~ f~und.
,
,
... T:-IE F'OL~S~':rnr; tJHI F,:)P:'l CC:.!:.lf:i;'::.:\:~ ~:";~'i< F::.::lj:~ :':;..':":!! yr/fj. :;'n~~:-:':':".. I:;.':.!:::
PI' UCC L'.tta l\'/<I~l.li: ~." 7~lr'l ". . ~
tit") p~':';;rd~; I -. ,Hi'l.
~===~~~~=~-~=~~~~=~~==-~=~~==--~~-~~-~------ -~--_. --,--~._-_._--~,--;,-~-=.
... THE f'OLLOt'lIUG t.<JATERCF.Af'T HAY BE omlED BY THE SUBJECT (SI :
Data Available From 00/00/1'),) Tlu"8ugh QE/30/98
========================~===========================~==========================
..* THE FOLLOWING AIRCRAFT MAY BE OWNED BY THE SUBJECT (SI :
Data Available From 00/00/00 Through 01/31/99
tio records found.
-------------------------------------------------------------------------------
---------------------------------------------~---------------------------------
..* THE FOLLO~IING LICENSED PILOT INFORJ1ATION ~lAS IDENTIFIED FOR YOUR SUBJECT (5)
Data Available From 00/00/00 Through 03/31/98
fro records found.
End of search.
..
(,EHTlFI(',\TE OF SEI{\'I(,E
I. Killdwdy ~1. Adams. hcr~hy ~erlilY Ihatoll this/l "'day or ~Iareh, 11)1)1). I did serve lite
lilr~goillg l\loliollol.l'~nnsylvallia Statc I;mploy,'~s ('reditllllionli,r Special lJrdcr Ilireetillg Scrvice
hy Altel'llate ~k"ns h) placing a IrllC and ClIlTcet copy in thc I illitcd Stalcs mail. lirst class. poslUgc
prcpaid. addressed as li,llo\\s:
Il~irdrc l"o\\ak
2)5 Stale Strcct
West I'ailyic\\. Pcnnsylvania 17025-)2)6
'V. ,
'Ii. J>L I)~ /))1 If ,(' r .' ~ ,
, ' ,( (.. ~ ,..\
,.
Kimherly M, Adams
Paralcgal
'. ,-
SHERIFF'S RETURN - NOT FOUND
CASE NO: 1998-0S831 P
COMMON~IEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPL(}2:EE~__
VS.
NOWAK DEIRDRE
R. Thomas Kline , Sheriff, who
to law, says, that he made a diligent search
named defendant, to wjt; NO~I^K DEIRDRE
but was unable to locate Her in his bailiwick.
the COMPLAINT
NOT FOUND ,as to the wjthin named defendant
NOWAK DEIRDRE
COMPLAINT EXPIRED UNABLE TO SERVE
14 ATTEMPTS MADE AT MAKING SERVICE
being duly sworn according
and jnquiry for the withirt
He therefore returns
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So answers :__. /~7 //
//:' //_ F ,/ ./~:>
_A-~ .-...._ _//./
~ima~ ~'~~~~~~<ff;'-'
$s~.~~ MCNEES WALLACE & NURICK
04/27/1999
Sworn and subscrjbed ;; be:ore me
this 17 day of _Yf fJA Lj)
1]-1- A.D. ,/
1~/Y7"r~ ~L~ IJfl~/
18.00
9.92
.00
8.00
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
: IN THE COURT OF eO~l:-'ION PLEAS
: CUMBERLAND COUNTY, I'ENNSYL VANIA
v,
: CIVIL ACTION NO,
DEIRDRE NOWAK,
Y '--::<7 /~ "/
utJ .".'
(}( LLC L_
Defendant
NOTICE TO DEFEND
You have been sued in court, If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice arc served, by entering
a written appearance personally or by attorney and tiling in writing with the COllrt your defenses or objec-
tions to the claims set forth against YOll. You arc warned that if you fail to do so, the case may proceed
without you and a judgment may be entered against you by the Court without further notice for any money.
claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to YOll,
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,
Lawyers Referellce Service
Cl/lIlberlallll COl/llty Bar Associatitm
TRUE (.()py FROM REOORD .Two Liberty AV~lIIle
In T~....lyWhetlof I here unto set IIIIIIld Carlisle, Pellll.lJ'lvllIlIl/ 17013
JIld UIt 01 51' It Car1lIIe.~ TelepllOlle: (717) 249-3166
r ~ 1'1 fr
'~(f
USTED HA SIDO DEMANDADO/A en corte, Si usted desea defenderse de las demandas que se
presenlan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veil1le (20) dias
despues de la notifieacion de esta Demanda y Aviso radieando personalmente 0 por medio de lIn abogado
una compareeeneia eserita y radieando en fa Corte por escrito sus defensas de, y objeeciones a, las demandas
presentadas aqui en contra suya. Se Ie advierte de que si usted falla de tomar aecion como se describe
anteriormente, el caso puede proeeder sin usted y un fallo per ~ualquier sum a de dinero reelamada en la
demanda 0 cualquier otra reclamaeion 0 remedio solicitado por el demand ante puede ser dietado en contra
suya por la Corte sin mas aviso adieional. Usted puede perder dinero 0 propiedad u otros derechos
importantes para listed.
Avrso
( :.'
.'.
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
: 1:-.1 THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL V ANI^
Plaintiff
CIVIL ACTION NO,
v.
DEIRDRE NOWAK,
: MORTGAGE FORECLOSURE
Defendant
COMPLAINT
1, Plaintiff Pennsylvania State Employees Credit Union ("PSECU") is a Pennsylvania
financial institution with its principal place ofbllsiness located at One Credit Union Place, Harrisburg,
Pennsylvania 17110.
2. Defendant Deirdre Nowak ("Defendant") is an adull individllal residing at 235 Slate
Street, West Fairview, Cumberland County, Pennsylvania 17025-3236,
3. On or about December 23, 1987, Defendant executed and delivered to PSECU a certain
note ("Note") in the principal amount of Twenty Eight Thousand Eighl Hundred Dollars and Zero Cents
($28,800.00). A true and correct copy of the Note is incorporated by reference and attached as Exhibit
nAil.
4, The Note is secured by a mortgage dated December 23, 1987 ("Mortgage"), encumbering
certain real property located in Borough of West Fairview, Cumberland County, Pennsylvania as more
particularly described in the Mortgage ("Premises"),
5. The Mortgage was duly filed in the Office of the Recorder of Deeds of Cumberland
County, in mortgage volume 302, page 643, A true and correct copy of the Mortgage is incorporated by
reference and attached as Exhibit "B".
6, Under the Note and Mortgage, Defendant agreed 10 rnake monthly payments beginning
on January 22, 1988 and to repay the NOle on or by December 23, 2015,
7, The Note and Mortgage provide that Defendant will be in deralllt if Defendant fails
to pay the full amount of each monthly payment when due.
8. The Note and Mortgage provide that PSECU may nOlify Defendau! upon defalllt thai
Defendant must pay the overdue amount by a certain date or be reqllired to pay immediately the full
amount of principal which has nol beeu paid and the interest owed on that amouut.
9. Defendant has defaulted on the Note and Mortgage by failing to make proper monthly
payment since August 22, 1997.
10, On or about October 22, 1997, PSECU sent Defendant a notice of intention to exercise
its right to accelerate the sums due under the Note if the default is not cured within thirty (30) days
("Foreclosure Notice"),
It. The Foreclosure Notice was sent to Defendant via the United States Mail, Certified Mail,
Return Receipt Requested, and was returned to PSECU by the United States Postal Service on November
8, 1997, marked as "unclaimed", A true and correct copy of a Foreclosure Notice, together with a Return
Receipt of Defendaut, is incorporated by reference and attached as Exhibit "C".
12. On or about October 23, 1997, PSECU sent Defendant the notice required by the
Homeowners' Emergency Mortgage Assistance Act of 1983 ("Act 91 Notice"),
13. The Act 91 Notice was sent to Defendant via the United Slates Mail. A true and correct
copy of the Act 91 Notice, together with a Certificate of Mailing for the Defendant, is incorporated by
reference and attached as Exhibit "0",
14, Under the Note and Mortgage PSECU has the right to recover from Defendant all of the
costs and expenses in collecting the sums owed and due to PSECU under Ihe Note and Mortgage,
including reasonable attorneys' fees.
- 2 -
..
("
r
f)
-.
"
02 0064,.;
ADJUSTABLE RATE NOTE
(I Year Treas~ry Index-Rate Caps)
THIS NOTE CONTAINS PROVISIONS AllOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TlME AND THE MAXIMUM RATE I MUST PAY.
..RG;!;;~.~.IU;B...V.............., 19.~.?
HARRISBURG
.........................i.cii~"j".......................,
........~~mt~:f~y,~.~.~.~...___
(Slale]
..?..~.:?....$.:r.~::\'.~...l!.:r.!!g};;:r.,...~gl!.:r....f.~t.!!.Y..!~!'!.,.....~~~.\'!.~:f);..y..~,~.~.{:.....,..~..?g.??.........,.........................___
(Property Address)
I. BORROWER'S PROMISE TO' PAY
In return for.a loan tbat I have received, I promise to pay U.S. $ ..2.e...6.U9,..0.0......... (this amount is caUed
wprincipal"), plus ;nlerc.st, to the order of the Lender. The Lender is .............................................................._
..p.~~f:lS.x.t.y./!,tni.\...s.'),'.~:r.j;:....r;.l:!.J?M9.x.J;;J;;~....~.\\J;:.p.J.'!::...!,J.~J,QJ::!.........................................................................._
I understand that the Lender may transfer this Note. The Lender or anyone who takc.s this Note by transfer and who is
entitled to receive payments under this Note is called the WNote Holder."
:%. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at..
yearly rate of 8..2.5.......%. The interest rate I will pay will change in accordance witb Section 4 of this Note.
The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after an)'
default dcscribed in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by mallUJI!. 8ayments every month,
I will make my monthly payments on lbe'll"lCday of each month beginning on .......J,anl.lar,}!'...2.2.........__._.
19...8.8.. I will make these payments every month until I have paid all orthe principal and intercst and any other cbarges
described below that I maj owe under this Note. My monthly payments will be applied to interest before principal. If.
on ........p..~.9.~m!1.~.L.~..........., 20 .J.2.., I still owe amounts under this Note, I will pay those amounts in full on that
date, which is called the Wmaturity date."
I will make my monthly payments at ...P....a....Bolf....l.U.U6.....Har.r,is,p,Ul:.'J......P.A.....l7..1.0.e...........___
............................................................................................................................,.................... ..........,....... or at a different
place if required by the Note Holder.
(B) Amount or My Initial Monthly Payments
Each or my initial monthly payments will be in the amount of U.S. $....2..3.Q,...1..9........ This amount may change.
(C) Monthly Payment Changcs
Changes in my monthly payment will refteel changes in the unpaid principal of my loan and in the interest rate that I
must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in.
accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The intercst rate I will pay may change on ~~lIllc.....Dec.eJDbe.r...2.3........., 19 ..S.a.., and on that da)'
every 12th month Ihereafter. Each date on which my interest rate could change is called a "Change Date."
(B) The Index
Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average:
yield on United States Treasury securities adjusted to a constant maturity of I year, as made available by the Federal
Reserve Board. The most recent Index figure available as of the dateltScdays before each Change Date is called the
MCurrentlndex." 60
MULTISTATE ADJUSTABLE RATE NOTE-ARM S-l-Single Family-Fannie Mae/Freddte Mac UnUonn Instrument
Form 3501 3/85
~:;.:;;:
(C) Nollce of Ddaull
If I am in deff'lllt, ~e ~te ~lder may se"ij! meGl wrll\en ~otiJ telling me that if I do not pay the overdue amount
by a certain date, Ute Note Holder may require me to pay immediately the full amount of principal which has not been
paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice
is delivered or mailed to me.
(D) No Waher By Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder'. Costs and Expenses
Ir the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right
to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.
Those expenses include, for example, reasonable attorneys' fees.
8. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given
by delivering it or by mailing it by first class mail to me at the Property Addrcss above or at a different address if I sive the
Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the
Note Holder at the addrcss stated in Section 3(A) above or at a different address if I am given a notice of that different
address.
9. OBLIGATIONS OF PERSONS UNDER nns NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all ofthe promises made
in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser ofthi"
Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a.
guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note
Holder may enforce its rights under this Note against each pcrson individually or against all of us together. This mean"
that anyone of us may be required to pay all of the amounts owed under this Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor.
"Presentment" means the right to require the Note Holder lo demand payment of amounts due. "Notice of dishonor~
means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections givCl1
to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"). dated the
same date as this Note, protects the Note Holder from possible losses which might rcsult if I do not keep the promises
which I make in this Note. That Security Instrument describes bow and under what conditions I may be required to
make immediate payment in full of all amounts I owe under tbis Note. Some of tbose conditions are described as follows~
Transfer of tbe Property or a Beneficial Interest in Borrower. If all or any part of tbe Property or any
interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is
not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate
payment in full of all sums secured by tbis Security Instrument. However, tbis option shall not be exercised by
Lender if exercise is prohibited by federal law as of tbe date of this Security Instrument. Lender also shall not
exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to
evaluatetbe intended transferee as if a new loan were being made to tbetransferee; and (b) Lender reasonably
determines that Lender's security will not be impaired by tbe loan assumption and tbat tbe risk of II breacb oC
any covenant or agreement in this Security Instrument is acceptable to Lender.
To the extent permitted by applicable law, Lender may cbarge a reasonable fee as a condition to Lender's
consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is
acceptable to Lender and that obligates the transferee to keep alltbe promises and agreements made in tbe Note
and in tbis Security Instrument. . Borrower will continue to be obligated under the Note and tbis Security
Instrument unless Lender releases Borrower in writing.
UNIIORM COVP""",,, f1l1flu\\'tf 011,,1 Lend,r t;tlH'IWII IInll..gr" 8\ f"lI()~,
I, 11.)'menl or Ilrlndp.l.nd Inlernl; I'rrpa)'menl.nd 1.." ('tI.rs:". It,ufIl'''er ,h,,1I pWlI1plly p"y -.-I'e'n due'
Ihe prlnclp..lllr..nd inttrnl nn Ihe debl eVldtO('td by Ihe Nole aud any prtpayment .nd I"e dl.rRe, due unJer rile N'llt
1. Funds for T'uI Ind In,unnre, Sllhjecllo appllcante lot.. PI In;a ....rlllt" "'lIntt by I.efllltr, I\(lftll-''' ~h.lll r.l)
10 l.tndtt an the d.,y monthly paymtlll'are due u~der Iht Nlllt. unlllll,t Snit 1\ fUlIll.n full, iI ,urn (,'I'uRd,"I r'lual lit
one'lwelfth of (.1 yearly tall'\ Inll '''t\\menl' which m.y all..ln rflOflly ()~rr IIli' Sf'Cllflly In'lrumenl, (h) yurI)
le"ehold plymenl' or lround rtnll 011 Ihe Jlroptlly, If ;any. fe) )'urly h.uard In\ur.nce (HtfTlIUnn, and hi) )'tJd)'
mOrl.", InIUrlflce premIum,. ir.ny. Tht'1t lIem\ are called """0"" Il~fll\" lendrr nll'y nllm.lr Ihe runch tlUt Ulllht
hui, of curren I d.lIlnd ru\onahle e\hm:lte\ nffulure ncrow lIem,
The rundl ,h.1l be held III In II1UUutulIllhe deflll\ll\ lIr oIHounl\ or \\ hllllatt HI\un',1 UI lIuIUWleed b~ a rederal or
'I lie aaeney (incluchna I.ender If Lender i\ ,ucll In 1n,lllullOn) Lelltlu ,!l,,11 i1prl)' 'ht Flll\(h In p~y Ihe t\ero"" IltIm
lender ~I)' nol chltlle for holdinl and applYlRa Iht Funlh. illlI.tY/llllllhe Il:CHlInl nr 1Irllr~1I18the e\l;lII.... lIenn, unk"
Lender p.y. Antrower inleresl 011 Ihe Fund, .nd i1rplicilhle lAW "'rllIIl, 1,,1\,11'" In m.,ke ,uch . ch:ltie f1nrrrlwer and
Lender m.y 'Ilte ill wriUnl that Inlerest sh.1I be raid on the FUlldl UnIt" All llfermenl .. marle or arrha hIe 111'01'
requuCl inlereU 10 bt plid. Lender shall nol he reqUIred 10 PlY IInrrnlol.er Iny lllltresl or euninls on Ihe Fundi LC'nder
shall live 10 Ao"owet, withouI charge, an annual accounllnll oflhe Fun.J\ \hn"mll credll' ..ntl debll\ 10 Ihe Ilumh lSod 1111:
purpose for which each debit 10 the Funds.....1\1 made. The fundl:lre pltd&td II .ddltiunal ,tCurlty ror Ihe\lHm '(curet! hy
Ihis SecurilY Inslrumenl
I(lhe .mounl orlhe Fund, held hy I.eoder. IOielher wilh the rUlllle mOlllhly r.~mtnl\ of Fund, payablt' prIOr lei
Ihe due dalts orthe escrow ilems, shall uceed Ihe amounl required lco rllY Iht t\Crow ilt'm\ when due, (he eAct\' ,hall he.
III IJorrower', option, either promptly rep:lid In normwer ur cre(hltd 10 IInrmwcr on monlhly r.ymenl' or Funds J( the
.mount' oflhe fund, held by lender i, nol sufficlenllo pay Ihe e'~rnw Hem, \l.hen due, Horrower shall r.:1Y to lender an}'
amounl nceenary 10 make up Ihe deliciency in one or more r~ymenl' a, r~qlltred by lendtr.
Upon p,yrn.:nt in full or.lI 'um\ 't'cured by Ihi~ Securuy (n,lrumrllt. tender ,hall promptly refund 10 lIorrower
any Fund, held by Lender, Irunder pnragrnph 191he ProPerlY i, ,old IJt acquired hy lender, Lender shall apply, no laler
Ihan immedillely prior 10 Ihe sale or the Property or il1 Icqui\illOn by Lender, any Fund, held by Lender allhe lime or
arpliCllioo lIa credil againslthe ,urns secured by Ihi,Securuy Inurumrnl.
J. Applltatlnn of Payments. Unle'. applicable law pro...idt' olht'rwi,e, all paymellt~ received by lender under
paragraphs I and 2 shall be applied; nut, to IAle charges due under Ihe NOle; stcC'nd, 10 prtp,1}metlt charges clue I/ndu tI/I':
NOle; third,loamollnlS payable undu paragrnph 2; fourth, 10 inTert\t due; and lau. In rrincipal due.
... Char(les: Uens. DorlOwer ~hall pay aU lues. me"menl', chargN, line~ and imposition, allribul!lble to lhe
Property which mOly allain priority over this Security In\!rumenl. and leasehold paymenls or ground relll', if any.
Borrower shall pay Ihese oblignlions in the manner provided in parllgrarh 2, or if nol paid in Ihal manner, Borrower ,hall
PlY them on lime direclly In Ihe person owed paymenl. norrower \hat! promplly furnish 10 lender all notices of amounl'
10 be paid under Ihis parnsraph. I( norrower makes Ihe'e paymell" dirtclly, norrower shall promplly fLlrni\h In Lender
reCeipl!! C1iidencing Ihe paymt'nl\.
Harrower shall promp,ly dischnrge nny lien which ba, pricrity (wer Ihi, Security Imtrumenl unless Dorrower: (a)
agrees in writing 10 Ihe p:lymeul orlhe ohligalion secured by Ihe lien in a manner acceptable 10 Lender; (blconl"'s in sood
railh the lien hy, or defend~ IIgain~1 enrorcement orlhe lien in. legnl procteding~ which in Ihe Lender', opinion op::rllle III
prevenlthe enforcemenl or Ihe lien or rorrtilure or IIn)' ran or lhe PrnperlY; or (c) secures rrom Ihe holder of the lien an
agreemenl Snlisraclnry 10 lender subordinaling the lien 10 Ihis SceurilY Instrumenl. J( under determine51hat any pari or
Ihe ProperlY i, ,uhjeclto II lien which mny allain priorHy o...er thi~ Securily In~lrllmen[, lender may gi1le Dorrower:l.
Mike idenhfying Ihe lien. Dorrower ~hnll slIli\ry Ihe lien nr lake one or more of the nClions ~el forth aho...e within 10 dn}'~
Clflhegi...ingofnotke.
!. Hazard Insurance. Borrower shall keep Ihe improvemellt~ now exi~ting or hereafter erctted on Ihe l)ropt'rlY
in'ured againS! Im.\ by fire, hazards inclurltd within lhe rerm "euended c01ler::agc" and any Olher huards ror which Lender
requires in\uranc~. This insurnnce shrill he nHlinlained in Ihe rlmOllnl<; and for Ihe periods Ihal lender require,. The
insurnnce cnrrier providing the insurancc shnl! be chosen by Dorrower subjecl to Lender's IIpprovnl which shllll not be
unrearonahly wilhhctd.
All insurance J'Iolicies nnd renewals !ohnll he acceplllble 10 lender nnd shall include a .<;landllrd mortgage clau~e.
Lender shall ha...e the righllo hold Ihe polich:!> aod renewal\. If lender requires. Dorrower shall promplly give 10 Lender
1111 receipts of paid prtmillms and renewO'II nOlices. In the evenl of 1055. Bo"ower shall gi1lc prompt nolice to the insurance
carrier nod Lender. lender may make r'lronrnflo" ironl made promplly hy nnrrower,
Unless Lender llnd Borrowt'r olherwise agree in ~'riling. insurance proceeds shllll be app:itd 10 reslnralion or repair
of Ihe Properly dllml1sed, ir Ihe reslorarion or repair i, ceunomic:1l1y fell.,ihlc and Lender's sceurilY is nollessened. If Ihe
restoralion or repair is not economically feasible or lender's security would be lessened. the insurance proceeds shall be
applied 10 [he 'ums secured by Ihis Securily rnslrument, whelher or nOlthen due, wilh any cl'lcen paid 10 Dorrower. If
Dorrower abllndons the Property, or docs notlln.""wer within JO days a nOlice from Lender Ihat Ihe insurlInce carrier hu
offered 10 sellle a c1l1im, Ihen Lender may collect the insu(;'\nce proceeds. Lender may use the proceeds 10 repair or restore
Ihe ProperlY or 10 (XIY ~ums secured hy this Security Imlrumcnl, whelhcr or nOlthen due. The JD.dIlY period will begin
when lhe nOlice i$ gi1len,
Unless Lender and Dorrower nlhc:rwi~e agree in wriling, any appliClllion of proceeds ro principal shall not ex lend or
postpone the due (hlle of the monlhly p"ymenl~ reremd 10 in pllrllgraph~ 1 tlnd 2 or change Ihe amounl of the pnyments. rf
under paragraph II) Ihe Property is acquired by lender, Dorro.....er.s righllo any insurnnce policies and proceed~ resulling
rrom damage 10 Ihe Properly prior to the ncquisirian shnll pass 10 lender In lhe cxlent orlhe sums secured by Ihis SecurilY
In5lrument immedialely prior In Ihe acqlli~itinn.
6. rresclVlltlnn and Maintenance of Properly; Le:lseholds, nor rower shall nol deslroy. dnmage or subslnntially
change Ihe Properly, nl10IV lhe Properl~' In delerior:tle or commil wusle. If lhis Security Inslrument is on II leasehold,
Borrower shall comply wilh lhe prnvi\ion, of the Ica.~e, and ir Ilnrrnwer acquires ree lille 10 Ihe Properly, lhe lea.~eho1d IInd
ree litlt: shall not merge unle'~ Lender agree' 10 lhe merger in wriling.
7. Prolcctlnn ot tender's RiAhls In the Properl~'; Mnrllllllle Jnsut:lnce, If Borrower fnils 10 perform Ihe
c01lenanlS and agreemen15 cnnlllined in this SecurilY rnstrument. or Ihere is a leg:ll ptClceediog lhal may .\ignificillIIly atrecl
lender's righls ill lhe ProperlY (mch :t~ a proceeding in bankruprcy. prnbalt. for condemnatiOll or 10 enfOorce laws or
rcgulalions),lhen Lender may do nnd pay for whate1ler i, llecessllry 10 prolecllhe value nr,he Properly and lender's rights
in Ihe Properly. l.ender's aclion~ may include paying any ,ums ~ei:urc:d hy a lien which has priority over Ihis Securily
IflSlrumenl,nppearing in courl, paying rensonnble altorneys' fee\ nnd enlering on Ihc Propcrly 10 make repairs. Allhough
Lendermay lake nclion under Ihi.. pnrngrnph 7, lender doe~ not h;H'e III do so.
Any amollnts di~h\metl hy Lendt:r under Ihis parngr:lph 7 sh:lll hecome :lddiriona1 dehr or norrnwer secured by this
Security Imlrumetll. Uoless Rorrnwer and lender agret"o nth terms or p;Iymclll. Ihese amounrs shall bear interest rrom
rhe dnle of di,htlncmcnr lit the Nllle nlri: anti sllllll hi: pil} ..de. Wilh inleresr. upon nOlicc from lender 10 Borrower
reqlleslingpnY01enl,
bOIJ,~ bUU W,E HI:)!;
. ,
.' ,
If lender rcqUlred mOlI,llle 1I'\UUIICt .1\ :t wndlll{'fl of mill"); 'he ]{),In \rcutC'd "y Iht\ Secumy 11l\lrUment,
lIorfower shJlI roil)' Ille premIUm' lC'quiltlllO 1113101410 the '",lIf/lIler In dTn'lllnul 'UdlllFnt lI\ the rtquirl'rntlll fur rhe
i",urllnCt lttminalt' in a,(oHllnct wlI', n",nmer', "nd I.ender', Ilotllltn 'J;rrrlTIC'1I1 or nrphc~hlt law
R. Inlpt'rllon. lender or ill "rtnt Illay m.1lt ml~nnahlt tnlllt' upon and In'pC'clinn' uf Ihe "rnperfY 1.ender
,h,lI ,ive tlnrrower oOllce Illhe IImt of Of fUlor 10 JO '"'pcellOll 'pttlfY10Il tt,noruhlt Cll/\e rnt lht In,peClllm
9. Condtlnllllllon. The I1wc.:C'tlh Ill' oily II",,,,, lit d:um for dll1T1IK("\, IllfC'\'lllr ~'(1n'tqUtl\llll, In (llnnte!lOn w,lh
IllY condemnalion or olher Illdnl or i1ny rim Ilf rht {'rope")', '" rl.r ('nn'fC'Y.1nct tn lieu of cnndemnJIIOll, .Ire Ilel(tJ~
Il~,i"ned Ind .hall be paId 10 I.endu.
In the e...enl of 110111 liking of Ihe rrop.trly, the prnceeds Sho1l1 he Ilpplied 10 Ihe 'Uln! ,ecurrd hy Ihi, Securlly
In'lrumenl, whelher or nollhen due, wuh any nce" plml In IInrro~er. In the ('\'(nlllr a pUIIllllaklllllllf lhe IJropwy,
unleu Dorrower and lender olher.....i,e ICret' in "'tiling, the slims 'tcurtd hy lhi, Secutlly In'trument ,hall he reduccd by
Ihe Imount of lhe proceed, mulliplied by the fullowing (raClion: CI) Ihe 101111 amounl (If Ihe ,urn, 't'Cured immedialely
btfore Ihe liking, divided by (b) lhe (aIr m..r"el value ot Ihe Properly immedialely before Ihe lllking Any halance shall he
paid 10 norrolo\'er.
Jrlhe ProperlY i, .b.ndoned by narrower, or i(, after nolice by lender to lJarrower Ihl1llhe condemnor alter, to
m:1ke an award or 'enle a claim ror damage" I1nrrnwer r:l11\ 10 re'pond Inl.ender wilhin 30\lOlY' atler Ihe dale the nOlice is
si...en, Lender i, alllhnrilCd 10 colleCllInd I\pply Ihe procced" al iI, oplion, ellher 10 re'Ioratmn or rep;ur oflhc PropcrlY or
10 Ihe 'um, seeured by lhis Sccurily Inmumenl, whelher or nOllhen due.
Unless lender Ilnd Borrower otherwise 'Iree in wriling, any application of proceeds 10 principal ,hall not ~lle'nd or
~tpone the due dale nflhe monlhly paymenl' referred to in paragraph, land 2 or chanle lhe amounl o{such paymenlS.
10, Dorrower Not Reltaud; Forbelrance Oy tender Not I Wlher. Ellen,ion ot Ihe lime (or paymenl or
modiRc.1lion of amotlilllion of lhe ,urn, ~ecured by Ihis Securi'y Inllrumenl sr;1Il1ed by Lender 10 any sucee!!or in
inlerest of narrower shall nOI operale 10 rdea,e Ihe' liabilifY orlbe oriBin.,) nnrtowtf or Darrower'! JUCCt"i"OU in inferes'.
I.ender shall nOI he required 10 commence proceeding, again'l any sUccnsor ill inlere,1 or refuse 'a extend lime fur
payment or olherwise modify Imor'il.1fion Oflhe sums secllted by Ihis Secutlly lnmumenl ~y reason of any dem.1nd mnde
by lheongina! nmroweror Borrower's 'uccC!'s,ors in inleresl. Any rorbearance hy Lender ine.\ercising any righl or remedy
shall nOI be a wai...cro{or preclude lhe e~ercisC' ofany righl or remedy.
I t, Successors and Anfgn, Boundj Jolnl and Several Llabllll)'; O,.,I~er', The covenanl~ and agreemenls at
Ihis SecurilY Imlrllment sh.1I bind and hcneflllhe SUCcessors and lmigns of Lender Ind norrower, subjecllo (he provi,ions
of pam graph 17. norrower'.~ co...cnanlS and 3grcemenlS shall be joinlllOlJ se...ernl Any narrower who cO.,igns lhis SecurilY
Instrumenl but dlle' nOI e~ecule Ihe :-Jute: (It) is co.,igning this Securily Inslrurnenl only 10 morlgllge, gmn! and convey
lhnl Borrower'.' inlereS! in the Prnperl)' under the lerm, nfthi, Secllri'y "\Strume"l: (h) i, nof per$Onally obligaled 10 ray
Ihe sums secured hy Ihis Sceurily In'trumenl; and fc) :rgrees lhal Lender nnd any olher norrower may agree to extend,
modify, fornenr CIr make any :lccommod;:flinn\ with regnrd 10 Ihe lerms of lhi, SecurilY Inslrllmenl or Ihe NOle withoul
lhal narrower's ccmsenl.
12, J.oan ChOrl\C5. If lhe lonn ~ecured by Ihi, Securil)' In'trument ;s ,ubject 10 a law which telS maximum loan
charges, and thai law i, finally inlerpreled so that Ihe inlere" or olher loan charges collecfed or 10 be collected in
conneclion wilh 'he loan exceed Ihe rermilled limi", then: (II) any such loan charge shall be reduced by Ihe amounl
necessary 10 redllO:~ Ihc charGe to Ihe permilled limit; and Cb) any sum, alre:l.dy collecled from Onrrower which exc~eded
permilled limit~ will he refunded 10 n",rower. Lender may chome 10 II\:lke Ihi, rdund hy reducing Ihe principal owed
under Ihe Note or h~' making a direcl {'I"ymcnl 10 norrower. If a re(unrt reclllce\ principal, the reduction will be freared as a
parlialprepllymenl wilhoutany prepayment chuge under Ihe NOfe.
13. Leltislnllnn AtJeellna Lender's Rlghls. If enaclmenl or e~pirOHion of nrplicahle laws has Ihe elf~ct of
rendering any provision orlhe NOIe or lhis Security Instrumenl unenforccahle according to ils lerm" Lender, at its 0111 ion,
may require immediate paymenl in full nf nil SlIm\ secured by Ihi, Security 'nstrumenl and may invoke an)' remedies
pcrmilled by parngmph 19. If Lender C:.'tercises this oplion, Lender shaJllake the sleps specified in (he ~econd paragraph of
parngrllph 17.
14, Nollees. Any nOlice 10 Dorrowcr provided for in I~,is Securily Inslrumenl shall be given by delivering il or hy
mailing it by nrst dnu mail unlClls applicable law requires Il,~e of anal her method. The nOlice shnll be direeled to Ihe
Property Address or any olhtr :\ddress Dnrrower designafes by nnlice to Lender. Any nolice fO Lender shall be given by
Ii",l class mail 10 Lender's address slared herein or any olher llddress Lender de,ign:rtes by nolice 10 Borrower. Any nOlice
provided for in lhis Security Instrument shall be deemed In have been given fa Borrower or lender when given as provided
in this parngraph.
)5. Goyernlng r.nw; Stvc:rnhlllty. This Securily Inslrumenl .~hnll he governed by federal law and the law of lhe
jurisdiction in wllich the Properly is localed. In the event lhatany pro...ision or clouse or Ihis Security Instrument or the
Nole conflicls with npplicahle law, such conflict shall not affecl olher provisions of Ihi~ SccurilY Instrumenl or lhe Nore
which can be gi...el1 effect w;lhout Ihe connie ling pro...isioll. To thi~ end the provisions oflh;s Security Instrument nnd Ihe
NOlearedeclared 10 be se...erahle.
16. BorrOWer's Copy. Borrower sh:\ll be gi...e" one conformed copy oflhe NOle and of this Securily Instrument.
27, Transrer of Ihe Prnperl)' or II Jleneficlll.l Inlerest In Borrower, If all or any part of fhe ProperlY or any
inlerest in il is solei or Itansferred (or if a heneficial inlerest in narrower issold or transferred and Borrower is not a natural
person) WilhoUl Lender'~ prior wrilfen con~ent, Lender may, al its oprion, require immediale paymenl in full of all sum'
secllrtd by this Seeurily Insrrumenl. I rowt...er, thi~ oplinn ,hall nOI he (lIerciseJ by Lender jf ellerdse is prohibi'td by
federnllaw as nflhcdale oflhis SecurilY ll15lrumenl.
If I.ender e.\erci5e~ lhi~ oplion, Lender shall gi...e narrower nOlice af3ccc:lerntion. The nOlice shall provide a period
of not less Ihan 30 day~ from rhe d:\le the nnlice is delivered Clt mlliled wilhin which norrower muS! pay all sums secured by
lhis Security Insrrumenl. IfOorrower fail, 10 pOly lhe.se sums prior '0 Ihe upiralion of this period, Lender may invoke any
remedies permilted by Ihis SecurilY Inmumenl Wilhou( (urlher nOlice ordemnnd on BOrrower.
18, narrower's Righi 10 RelnSlale. If Dorrower meelS cerlilin condilions, Borrower shall ha...e the righl 10 h.we
enforeemenl ofthi, Securily Instrumenl di~continued alaoy ,ime prior to lhe earlier of: (a) 5 d3yS (or slIeh olher period as
applicable law mny specify for rcin.~lalemenl) before sale of lhe ProperlY pursunol 10 any pOwer Mule ,coolnined in lhis
Security InSlrUmenlj or (h) (nlry of n judgmenl enforciog this Secllrity 'nSfrumenl. Those condilions arc thaf Borrower:
(a) pays Lender all sums which then would he due under this Securily Instrument and Ihe Nole had no acceleration
occurred; (11) cure' any default of ani' other cn...enanu or agreementsj (c) pays all expt'nses incurred in enforcing this
Securily InSlrumelll, including, bUl nnl Iimifedlo, reasonable allorneys' fees; and (d) ,akes such action n Lender may
reasonahly require 10 assure lhal lhe lien of this Securily IMltumenl, Lenner's right.s in the ProperlY and Borrower',
obligalion 10 PIlY lhe sums secured by Ihis SecurifY In,trumenl shnll continue unehanged. Upon reinslatemenl by
Aorrower, lhis Secl1rlry InSIrUmenl and the nhlignrinns secured hereby shOlIJ rem..i" fully effective as ifnn aceeler31ion had
occurred. However, lhis righllO reinslnle shnll nnl npply in fhe ca'e otnccclernrion uoder paragraphs 13 or 17.
..1
bOO~ h!l(J r,I[,[ f(J:)~'
.i
If Lt'ndrf rtrllllrtd mOlllllll' lI\\ur;lrlcr a\ :t (,'llntlllhln Ilf ,"J~lnA lht hln \tcuft'd hy rh,. '\rcurJly 'n\lfumenl.
Illlrrmltll" ,hili ray rht premium, rC'QulItd to mamtaln lhC' lnmtanCr If I dTn:1 unlit \Ufh hint' ,a\ lht rtqlllltmtnl (lit tilt
inUUllnrt Il'rminalM in ,1I:cordanct ~llh lIr.Htl....Pr.' llnd troller', \Hllltlll/trttllltnl or IprllClhlr Ilw
H. ""pretlan. l.tndu or Il\ IIftll' may m:alt ftft\onahlt rn'fltl upon Illlllm'Ju'cllnn\ or !he rrolltrl)' !.('fultr
,hlll"~t lJnrrowtr nollet III lht 11m' 0' or prIM 10 an IIUptclllln ,ptCl(Ylnll frHortaMe ClU\e' ('If tilt In'ptC!lOn
9. CQndC'mnllllon, Tht prnt:ttd, of any a\urd or c"'lm for dmuKM, .lrfl'l:'1 nt CllnttqUtlllld. III cn"ntCllfln with
Iny conlltmnllllOIl or other lakml of JOY rllUII1( Iht rrOfltrly, IH (n, cn'l\'ty~nct In lu:~ c( wndclnn:l!IOIl. arc herchy
u\\ilntd .n.i thall be paId to I.tnder.
In the e\'enl 0(. 101111.k.nl or Ihe rro~rly, the proceed\ Ih.111 he applied 10 Ihe 'urn, \tcur('1! hy th., SecurllY
In,lfumenl, whether or nOllhen du(', .....lIh any nce" Illlid III IInrro.....tr. In Ihe e\'('nl ur D Jl,Ull.ltakinll or the "roperlY,
unle" Oorrowef 4nd lender olhrr.....i\C alr('c in wrilins, Ih,. 'um\ secured by Hm Securlly Inurumenl .hall he reduced by
Ihe .mounl or Ihe proceed' multiplied by tht' rullo\\'ing (raCllon: (I) rhe lold amounl ,,( the ,urn. 'ecured immedillldy
before the t.kinl, tlivided by (b) Ihe fllr m:uht \I.lue o( Ihe ProJlerlY immediately hcfore thc tAlunl Any halanct' shall he
paid In Dorrower.
"the Pro~ny i, ahl,ndoned by nor rower, or ir, afler nolice by lender 10 norfowtt Ihat lht' condemnor olfc," to
makc an "ward or seule a claIm ford3magn, IInrrowtr f;\ll, 10 re'pontl'o !.eneier wllhin 30d;"yt aner thc dale Ihc nor Ice is
liven, lender i. al.lhoriled 10 collect and "pply the proceed" It II' oJllion, ellhtr 10 rc'lllfalmn or repaIr Ofllle Properly nr
to Ihe sums secured by Ihis S~curilY Instrument, whelher or notlhen dlle.
Unle.., lender Ind Dorrower olherwise alree in wriling, any applicll;lion of proceeds 10 principal shall not tlltnd or
P'Ktpone the due date orthe monthly paymenls rtferred to in paragraph\ land 2 or change Ihe .mounl of such paymenls.
10. Borrower Nol Reluted; Forbunnc:e Oy Lender NUl. Walter. EUent;on of Ihe time ror paymenl or
mndiACllion of Imorlitalinn of lhe 'IIms \ecured by Ihis SecurilY Inurume", granted by lender 10 Ilny successor in
inlerest of norrower shall nOI operlle In relene the Iiahilily of the origin.,1 JJorrower or Dorrower', succt\~CJf:C in inlerest,
Lender shalf nOI he rtquired 10 commence flroceeding\ agaiosl any Succeuor in inlerC\t or rerute 10 e:\tend lime ror
paymenl or otherwise modify amortizarion orlhe sums secured by this Securlly Inmumeol by fcoson oran)' demand nlnde
by the original Rorroweror Borrower', sUcceuors in interesl. Any forburante hy tender in exercising any right or remedy
shill not be a wlI;ivcr oror preclude the elt'rcise ohoy rillht or remedy.
11, Successon and Aul"ns Dound; Joint and Several Liability; Co.,lllflen. The covenanls and agreements or
Ihis Security Instrument shill bind and henefttlhc succe!lsnrsand lIouilns of Lender and norrower, subject 10 the prnvlsions
ofpalllgraph 11, narrower's covenanlS nnd ngrcemenrs shall bc:joinl and several. Any Dorrower whoco.signs Ihis Security
InSllumenl but dlle' nOl elecute Ihe Nntt': (n) is co-signing this Security Inslrument only 10 mortgngc, glllnt and convey
Ihal Borrower's intere~1 in the Prnpert)' under Ihe terms of Ihis Securiry hUlrumenl; (h) is nOl ~rsonally obligaled 10 pay
the sums secured l'ly Ihis SecurilY In\lrumt'nl: and (c) ngrers that lendcr and any OIher norrower may agree to ellend,
modify, f()fhe~r Clr nlake Dny accommodalion.. with regard 10 Ihe lerms orthis Securily In'trumenl or the Note without
Ihal narrower'.' cllosent.
12. l.oan Charllcs. Ir Ihe 100111 secured by this Security Instrument is \ubject to a law which selS maximum loan
chargcs. and Ihat law is Bnally interpreled so that Ihe inlere't or olher loan charges collected or 10 be colleCled in
coonection wilh Ihe loan exceed lhe rermiHed limits. Ihen; (a) any .~uch loan charge shall be reduced by the Dmounl
neceuDry 10 redul."C' Ihe charge to the Jlermillcd limil: nnd (b) any 'um, already collected from norrower which elccedcd
permiued limits will he refunded In Harrower, lender may choose 10 make Ihis refuod hy reducing Ihe principal owed
under the Note or hy making a direct paymenl 10 Harrower. Ifa refunrt rcclllces principal,thc reduclion will be trealed as a
partial prepaymenl wilhoul any prepayment charge under the Notc.
13. Leglslallnn Atfcctlnlit lender's Rlghls, J( enactment or elplr"tian or applicahlc laws has th~ effect of
reodcrinl any provision of the NOl~ or Ihis Security Inslrument unenforccablc according 10 its terms, lender, at its oplion,
may require imm~'diale paymenl in full of all Sllms secured hy this SecurilY Instrument and may invoke an}' remedies
permitled by paragraph 19, Iflcnder e:(ereises Ihis oplion, lender shall lake Ihe sleps specified in the second p;"fllgraph of
parnlraph 17,
14, Notices. Any nOlice 10 Dorrower provided ror in Ihis Security InSlrumenl shall be given by delivering it or by
mailing it by lirst class m;"i1 unle!.S IIpplicnble law requires u,~e of anolher melhod, The notice shnll be directed to the
Property Address or any olher address Dorrower designates by nOlice 10 Lender, Any notice 10 lendcr shall be given by
firsl class maitlo lender's address staled herein or any other address lenderdesignales by nOlice to Dorrower, Any notice
provided for in this Security tnmument shall be deemed 10 have been given to Borrower or lender when given as provided
in Ihi, p;"ragnph.
J5, Govcrnlne J.aw; Severahlllty. This SecurilY Inslrumenl shnll he governed hy rcderal law and the law of the
jurisdiclion in which Ihe Property is locllted. In lhe event that aoy provision or clause of Ihis Security Instrum~nt or lhe
Nole connicls with aprlicahle law, sueh connict shOll! not affcCI olher provisions of Ihis SccurilY Instrumenl or Ihe Nole
which can be given effecl Wilhoullhe conflicling provision, To thi!> end th~ provisions oflhis Security InSlfument nnd the
Note arc declared 10 be severahle,
16. Aorrower'sCopy. Dorrower sh:!11 be gi\len one conformed copy oflhe NOle and of this SecurilY Instrument.
17, Transfer of the Property or a neneficlnl Interest In Borrower, J( 1111 or Dny pari or the Property or any
inlere~t in it is sold or transferred (or i(n oenefidlll interest in norrower is sold orlransrerred and Dorrower is not a narural
pcr~on) Wilhoul Lender'.~ prinr writren con~enl, Lendcr may, al ils oplion, require immedillte paymenl in full or all sums
secured by Illis Sc:ocurily Instrumenl, I fowever, Ihi~ oplion ~hall nor he cxercised by lender if' exercise is prohibiled by
federal law as of the daleoflhis Security Inslrumcnt.
If lender exereises lhi~ oplinn, Lender 5hnll give Dorrower nolice ofacceleralion. The notice shan provide a period
of no I less Ihan JOdays from Ihe dMe Ihe nOlice i.. delivered or mailed wilhin which Dorrower must flay all sums secured by
Ihis SecurilY InSlrumenr. ((Darrower (nils 10 pny Ihesc sums prior 10 the e\pirarion of rhis period, lender mllY invoke any
remedies permirred by lhis Securily Inslrumenl wilhout furl her nolice or demand on Borrower,
18, norrower's Right to Relnstlte. If nnrrower meelS certnin condilinns, Dnrrower shall ha\le Ihe right 10 ha\'e
enrorcemenl orlhis SccurilY Insrrumenl disconlinued OIl any lime prior 10 the earlier of; (a) S day'> (or sllch olher period as
applicahle law mOly specify for reinslalement) before sale of the Properly pursuant 10 any power of saleconlained in lhis
Security Instrument; or (b) eorry of II judgment enforcing this Security Inslrument. Those conditions arc that Borrower:
(a) pays lender all sums which Ihen would be due under Ihis Securily Inslrument and Ihe Note had no acc~leratioo
occurred: (h) cures any defaul! of any other cO\lenanls or agreemenlS; (c) pays nil exp~nses incurred in enforcing Ihis
SecurilY Inslrumenl, including, but not limiled 10, reasonnble attorneys' fees; and (d) lakes such action n lender may
reasonahly rt'quire 10 a~Sllre thai lhe lien or lhis SecurilY Instrument, Lender's rights in the Properly and Borrower's
ohligalion 10 pay Ihe sums S~cured by this Securily Instrument shall COntinue unchanged. Upon reinstatemenl by
Aorrower,lhis Secllfiry Instrumcnl and tile nhligalions secnred hereby shall remnin fully effecrive as ifno acceleralion had
occurred. However, Ihis righllo reinslnte shall nOI apply in Ihe caSe ofaceeler:uion under pnragraphs 13 or 17,
',I
bO(j~ ilUn r.\r.E f(J0~:
NON-U"-I""1l "'4 COVENANn lIorrolller .ud lender tuflh,r cn\,nlllt .nd 'Ilte.. t'lllmu'
I'. ACetln.llon; R.m,din. J.,ndu ,hall II" noll(1 In OOllll'",r p,llll 10 Itctl.nUoll lollo.lnll O"."I.cr',
blnch flI Illy (ounant Dr asr"nl,nlln thl"S,cuIUy Inlllum.nllbul1101 p,I..,... 'ffrl,r.lIon undrr pUllllph, IJ 'nd 17
unl... IWllublr I.... pro.,ld.. olh""lul. I.fndr' shall nllUty 1111110." of. ''''''nl Illh" thlnl': l'I Ihl dffault; lbllhl
I(II0n "'IlIlred Iu CUI' Ih, def.ult; fcl .hen Ihe drt'lIl1 mu,1 be cuttd; .nd ldl Ih.1 f,lIule III (ure Ih. d,tlult It IPleln.d
m.y 'null In Itul"atlun of Ihl 111m I ucurrd by Ihl. S.curlly In1lrvm,nl, fnlttl'IIU" by Judlclll PIIH'"dhtl and "" of
Ih. Prope'I,. Lend" ,h,lI (vrlh., Inlolm 1I0rlo"",, of Ih. Illhllo lelnlllle ItlulculeuUlln Inlt Ih. 111"110 altet1ln the
ll'Jtltlotutl plouedlnllh, non.ultl.nu oIl dellull 01 Iny othe, d,tenu o~ 'Iono"",, 10 I(ClI".linn Ind lolttlo.ur.. It
th, d.l.ullll.ot eu"d I' .p.dn,d,I..ndu It II, uptlon m.y fI'Ivll' Imm.dl.l. p')mt'nlln full 01 .nlum. "(Iu.d b)' thl,
S.euII.)' In'tlumtnl "lthoul fUlth" drm.nd and m.)' tondo" Ihl, Stturlty InlllUmtnl by Judj(l.1 JlIIK'ttdlnl. IAndrr
,hall be ,ntltl,d 10 toll'tlll1 tlptll'ulntulltd In p.."ulng Ihe lem,dl,. Plo,ldrd IlIlhl, pI"lIraph IV.lntludlnl. bvl nnt
IIml"d 10, 'Uoln.," ttt', Ind co,l, of 11I1, "Identlto the .lltnl ,,,mllled h, IpplJubl.lalll.
ZO. ".lId" In I'o,,"sllln. Upon acceleration und" rlta,fopk 19 or .IJlnd(Jnm~nl uf th~ "'"l'f1lY. lr,ultr !In
penfln. hy 'Ienl 01 by JUdll:illl)' arl'()lllt~d ,ecrlver) Ih.1I be enllllt',) tu tnlt, ufllln. t.h j)O\\t\"on nf IlId man lie Itll~
I'fllJ'lrlY and In cnllrel Ihe renllllt Ihe PrOrUl)' includln,lhll\t 1'1"\1 due Any ttnl' coll',ltlJ hy I.endt' "' Ih. flC'l\tt
,hall he 'rrlied ftnl 10 paymenl oflhe '"'It of mloaStmenl or Iht )'Wl'trty anll collecllon of Itnll. IllcJUdll1l. bul nul
limlled IO."ctlver', (en, premium, 1)0 rrCrl\lr,', hond, and ,e.uon.lbtr .II101neYI' fttl. IIl1d lhrn In 1/1, IlJ'm IfflHW h)'
lhttSecuruy'nltrumtnt.
21. Rtl,u,. Upon payment 01 allium. \rcured by 11..1 Sccuflly In\I'Umtfll. I.rnde' "lln dlleha'le Illi\'StCUfll)'
InUlumenl Wilhoul chllle 10 UmrowCl. DOllolllel,hlll poly any recordallOneml'.
1%. RelnllllemcnC rerlod. [Jonower', lime 10 reinlt.le plovided in ,.I"Staph 18 Ihall ulcnd 10 une houI prlu, 10
Ihecommenccm,nl otbiddinl all ,hwlf'I ult 01 olher ,.1, punulnllolhi, Sc:CUlil)' In'lrumenl.
13. Purchlle Mone)' MorIS'at.lf IIny ofthedebl secured by lhi. SecurJIy (nulumenl i, lenllo lloHO\loel toacquile
litle tOlhe PropellY.lhis Securily Instrumenl shall be I purchue money mortl'Ct.
24.lntefest Rite Aller Judllf'l'ltnt. [Jorro....el asrr~' Ihalthe inlerfil fait payable after ajudllmenl i. rnlered on the
Nole Of in In actinn o(morlgage (oreclo~ure shall be Ihe rate payable from Ilmelo time under Iht Nole.
25. Rldt" 10 tbls Stcurlty In,IIumenl. It line or more riders Ire e'-eculed hy []mw...." and recorded logelher wllh
Ihis S<<urily Inmument. Ihe cO\lenolnts and agreements of each such rider ,hill be incorporated into and Jhallamend and
,upplement Ihe covenants and agreemenls of this Security Inurumenl as if Ihe rider(s) were a part of Ihi$ SecurilY
Instrument. [Check Ipplicable box(es))
ID AdjuSlable Rale Rider
o Oradualed Paymcm Rider
o Olher{,) r~reci(yl
o Cnndominium Rldel
o PI.motJ Uni( Developmenl
o 2-4 Family Rider
Kuler
r.~
('1\
,:.)
(P
(li
BY SICiNING DEI.OW, narrower acceplS and :agrees 10 Ihe lenm .nd covenant, cOllt:ained in Ihis SecurilY
InUlumenl and in Illy lider(s) eAcculed by norrower anJ recorded with it.
~~~%,~'=-"',.,"""""
'tyc.~~~N:W;{"~.~''':~~~2 .
........................,.............................................................
............................................(Sell)
-80<,_
COtofl'olONWEALTIl OF Pt:;NN~,(I.VANIA. . . . . . . . Cumbe.r land. . . . .. .
... .CI,unty\s:
Onthis.lhe... .,3.I;'d.. ..dayof........ December........ 19.87.. berare me.a. Notary........
Public.. ... ........ .Ihe undcrs;gn.:d officer. pcr~'lnally ..ppcar~d.. . Dei.cdre .1\... . Na\V'ak. ..
. ...... ... ... ............... ............ ................... .... ..known 10 me (ur '<ali.~folctorily
proven) to be the person... .whose name. is. .. . .~ub~.::r;b~d to the within in<;trurncllt and :Icknowlcdgcd that
she. . . . . . . . .c.'tecmed Ihe same for the "ufpm~'.~ herdn contained.
IN WITNESS Wtlt:;REOf.) hercuntu ~ct my 113nu and officliIl scal. ..\.........
MyComm;,sion"pi"" "edt" ~~';::'~,~..,.
. . .). ..
Notary PUb1.;.c "., ',..'.'..'.',.'.:"".
LISA f/':';:' E Ul:'~. No'~ry Pybllc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ',' . . . .. ..:i ."
C.mp I'''il, (1I:l11J:rla~d Co,. P.. Til11 of OtIj~I~' ~. " .., : f
M, c,,,",;..;,, "p;", ,,,, Il, 1991 ". .~;' ",:,":::;,t,;
::'.'..~:!?\.,-;.
.IU.' I t I:.,' rr~~:<:~ r~_;idencf1
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. -- ''t21~!l:fj-l;;-----
~OIJ,< IIUII /'/.1:, IO:JH
...;
,\1).11 :ST,\IIJ.E RATE RIl>ER
II 'nr lrr"uf) lndn-'hl' r'r'l
TillS ^IJJI ',H.llIl ~,\li RIIH ft'" m.ule lhl,'l.~ J~d,li)' ..I' P.":"''''!'''! ",1711 ."nil i,
t..~IlIp'll.:l'td '"10 Hld \11.11 t'C ,lttlllt'd In ,"'etlfl .ard '"r'r1rm,nl .tlt Mnr1ldl', [lull 011 fU" 0' SecurIty ()utlllhe
N"'t'l\ll"~ 1J1\1fl.l.t('r>!'" d 11'>( ~;~~:~ ~1Al~ ".r",!!) l~t lJ.n,lt!"I.~~~t, (lh~ ':II~rfowrr~ll~~'C:~~I~ IItmown', AtlJIUl.blc
PlIa Nul, ll~.c w~'''f)le') to I L..,l,Y"l1.lj~^ ..T"rJ-. C.'1l 1,r){tr.,....",~HL,).I... .J.l.IJII ".......".
l the "lender", ur the uflle dale .nd co~el,nR lhe ('lfopC!:fl) dutubcd in
'he \,curll) Ifl\HUIlIt'Il1 ,ntl :'>l.Jled ~I
~]'J ~T^Tf-: STiu:r:-:-, W!:~j'f .,\IW/JL'~, I'Etm5'it.VMjt^".,.l~,()?')
Ir'''I''''t",!.tflIlJ
THE IlOTE COllTAIt.S pnOvlSlOHS ALLOWING FOR CHANGES IN THE INTEREST RATE
AND THE MONTttLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE HORROWER'S
INTEnEST RATE CAN CHANGE AT ANV ONE TIME AUD THE MAXIMUM RATE THE BOR..
ROWER MUST PAY.
4nfHflll~AI CO\l[I\j"NI", 'nilddlllon It) th~ cov~nants ~nd as,eemenU made in Ihe Security Inslrumcnt, Rorrower
and I.ender fuflht'r covenant and ."ce as folio".
A, I''TEREST RATE A~n ~1O~TIII.Y 1',\Y~I[r\T CHANGES
The ~otc provide\ for an iOlt\,!1 intcrC~1 rJIC of . e:., 7.~ ...'1. (}yhe Nntc provides for cha"ie~ in the Interelt nte and Ihe
munthly pJ)'menl\, a' follow\'
4. INTEREST R,\n~ ANn MO,,"'TllI.Y 1',\Y\1I::NT (!IAN!:""''''
(AI ChUle Oal<<s
The intercJt r;'l!e I will pay may chance on dllC.M:!)u<dc!:lJXlR.....Dcc.cmbe.r...2.1........... 1988..... :1nd on that day
every 12th monlh lhereaher. F.:u.:h dJle on which my inlerest rate ::ould chanCe is called 3 "Chanie D:lle."
In) The Indn
Definning wilh the ftr~t Change O;lle. my inlcre!t rate will be ba\ed on an Inde... The "Indel" isthe weekly average
yield on United Slates Trca~ury seclllllies adju\letlto a conSl:lnt maturity of I year,:U made aVllilable by the Federal
Ruerve Board. The mmt r~c~nl Indu figure available :IS of the date oN days before each Change n"le is called the
MCuuenl Indcll,." 60
If the lode. is no longer ayailable. Ihe ~ote Holder will choo~e a new inde.. which is based upon comparable
inrormatiuo The NOle lIulder .....tll Give me notice of this choice.
I C) Cllculllion of ChanCf'
Defore cach Ch,lIlse Dale. the Note 1I0lder will calculate my new interest rate by adding .....t!1:o....ami.............
Qn.~.":'""~)"L........,.... percentage points (.....2...5......%) to the Current Indel. The Note lIolder .....illthen round lhe
re~uh or Ihis al.!dilion to the neareslune.eighth of onc percentage point (0.125%). Subject to the limits slatcd io Section
-'I D) below, Ihi\ rounded amount will be my new interest rale until tile nell Change Date.
The Nnte Holder .....illthen determin~ Ihe amount of the monthly p3yme'lt that would be sufficient 10 repay the
uopaid pTlocipalth31 I am elpected 10 owe .Jt the Change Date in full on the maturity dale at my new interest rate in
substanlially equal payments. The result of this calculatioo will be the oew amount of my monthly paymenl.
(n I limits nn 'nleffst Rale Changes
The iotere~1 rMe lam required 10 pa~ at the first Change Date will not be greater than ....9..~.I?.....,.......% or less lhltn
.....7..1.!.?............7.'.. Thereafter, my interest rate will never be increased or dccr~a\ed on any single Change Dale by more
than one pcrcenlage point (\.0%) rrom lhe rate nf inlerest I have been paying for the preceding twelve months. My
interc~1 rate will never be grealer th"n ...J..:1.,.7.5.....%.
I E I Elft'clhC' Oal. of Chanl:t's
My new interest ratc will become effeclive on cach Change Date. I will pay the amount of my new monthly paymenr
b~ginning on the first monthly paymenl date after the Change Date untillhe amount of my monthly payment changes
again.
(f) NOliC't' or Changes
The Note Hulder will deliver or mail to me a notice: of "ny change~ in my intere\t rate and Ihe amount of my monthly
payment berore ,he effective datc of any ch:lnge. The notice will include inrorm:nion required by law to be given me and
al~iJ the title and telephone number Or;l per\on who will ans\Ycr any queuion I may have regarding the notice.
n. TRANSFER or TilE PROPF.RTY OR A BENEFICIAL INTEREST IN DORROWF.R
Uniform CovenJl1t 17 of Ihe Security ln~trumeot is amended to read M fol1ows:
Transfer of the PWflerfY or a nenenehllIntcrUIIn Borrower. If all or .:Iny pari of the Property or :lny interest in il is
snld ur transferred (or if a bcnefil;ial intcrest in Rorrower i\ ~llld or transferred and Dorrower is not a natural rer~(\n)
without Lender', prior ....rillen coosenl. Lender may. at ils option, require immediate payment in (u\l o(all sum\ secured
b~ Ihi~ SeeurilY Inqrumcnt. 1 lowever. this option shall not be elerci~ed by Lender i( e..ercise is prohibited by federal law
:IS uf the dale "r this Security Instrul"1el'\t. Lender also shall not exercise this option if: (a) Borrower caU5e~ to be
_ublllitted to l.emier inr"rmation reljuired by I.endcr 10 cyalu:lte the intended Iraosferee as if a new loan were being made
t., thl.' transferee: ;tnd (bl Leoder rca.,unably dctermincs that Lender's security will nOI be imp3ired by tile loan
a~,ufllptit)n anI.! th:lI the risk of" bre.\..:h \)( ;lny con:nant or agreement in Ihis Security Inslrument is acceptable to
lender
MULTlSTA.TE ADJUST,'BLE RATE RIDER-ARM 5.,-S,r>':lI~ F.1mIIV-Fanni. M;u.Freddie Mac Uniform Instrument
1:011' ,'l:J!) 1',11;[ I n:l!l
Form31083,S5
r.'h. "'00'""""".,, by 'ppIK.b'.,.., I.ond.. "'" ,hu,.. ...."oobl. ,..... '0''''"., ,.t 00",,', ''''00' '"
'h.,,,", '''''''P''.., I....... m.y .1", ..~.". 'h. lI...,.... ,. ",. .. ...."'p".. ""''''00' 'h" I, ""Pllbl. ,,,
'AM...." 'h" .bll"""h. lI",f".. ,. '''p .11 'h. P''''''''",,,,, "...n"." ",.01." 'h. No"..d" 'h" S".""
''''fllmoo,. 0."0... .ill .,mll"..,o '" obll'''hf.",.. 'h. """ ....'h.. 5.",,,y '"",.moo, unl.n 1..",.. "''''''
00"0"" in ",1Iinl
If 1...01.. """00' 'h. .p"O" ,. "qu". 'm",.d"" P"'"'''' ,.11, 1..,,,,, ,h. II "" 0."0'" no'ie..' "..,...'
II.. Th. ..,It..h.II p''''d".. "'""" ,,' """." 'b" 10 d.,. '10m Ih. "... 'b. "'"" ,. 01.11,,,,01., """" '''h"
.hI,h Bot,.." mun P.,.II ,",.. '''''h' b, It", 5"."" ""IU"'OO' If II..".." h".,o P'Y Ohm tu"', '''0'', 'h.
",.,.11., of 'hi. "',ind, Lond.. m.y I..".. '" ""'",,,. "'''''"hl h, Oh.. 5".II'y '''''.moo, '''ho., ""h" "01,,,
0' dtmud on lIorto,*,rr.
0, 5""'''0 nn.o,", no".... ""'" ."" .,.... '0 'h. ","', "01 co",,,,, '.'"'ot"', Ohi, A")""bl. R."
Alder.
-D"~_( d...,.~
. ..,f- ..................h.............................................. .... (Sell)
Ih'ir1re A. NoW,1k .u",,,,..,,
................................
......." (5c<1l)
.Do"o",.,
8'M.< b:JIJ f!.J:, J {),1fj
..
Exhibit C
I .,I.\.l..
PENNSYlVANIA
STAlE EMPLOYEES
CRIDll UNION
{
October 22, 1997
166608728
Loan HL8
Deirdre Nowak
235 State Street
West Fairview, PA 17025-3236
Dear Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union
(hereinafter we, us, or ours) on your property located at 235 State
Street, West Fairview, PA 17025-3236 IS IN SERIOUS DEFAULT. The total
amount required to bring this account current as of October 22, 1997 is
$812.85, A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You have THIRTY (30) DAYS from the date of this letter to cure this
default by paying u. the above amount of $812.85, plus any additional
monthly payments which may fall due during this period. Such payment
must be made either by cash, ca.hier's check, certified check or money
order, and made at the address stated below.
If the default is not cured within thirty (30) days, we intend to
exercise our right to accelerate the mortgage payments, This ~eans that
whatever is owing on the original amount borrowed will be cons~=ered due
immediately and you may lose the chance to payoff the original mortgage
in monthly instatlments. We will also instruct our attorneys to start a
law.uit to foreclose your mortgaged property. If the mortgage is
foreclosed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt.
If you cure the default after we refer your account to our attorneys,
but before actual legal proceeding. begin, you will still be required to
pay the reasonable attorney's fees up to $50.00. If the default is
cured after legal proceedings begin, all reasonable legal fees,
regardless of the amount, will be added to the total owed on your loan.
Only if the default is cured within thirty (30) days will you avoid
legal fees.
If we are forced to foreclose and the sale of your property does not pay
off the total debt, we may also sue you personally for the unpaid
balance and all other sums still due under the mortgage.
If you have not cured the default within the thirty (30) day period and
foreclosure proceeding. have begun, you still have the right to cure the
default and prevent the sale at any tin~ up to one hour before the
Sheriff's foreclosure sale. You may do so by paying the total amount of
the unpaid monthly payments plus any other charge. then due, as well as
the reasonable attorney's fees and coscs connected with the foreclosure
sale(and perform any ocher requirements under the mortgage).
It is estimated that the earlj~st dace that such a Sheriff's sale could
be held would be 90 days frorr che date of this letter. A notice of the
Main Address: 1 Credit Union Place, Ha.risburg, PA 1 7110.2990, (717) 234.8484' (800) 237,7326
Mailing Address: P,O, Box 67013, Harrisburg, PA 17106.7013' (717) m.2100 (TOO) '(800) -172-1967 (TOO)
SaWIQS llOnl'1 inJ~ l4J to $100,000 tJi !hi NIIioNI Cr.:il Urm AdmirilmOn.
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PENNSYLVANIA
STATE EMPlOYEES
CREDIT UNION
Octobe r 23, 1997
166608728
Loan n8
Deirdre NOWllk
235 Stllte Street
West Fllirview, PA 17025-3236
IMPOR'l.'AN'1': NOTICE or HOMEOWNERs'
EMERGl!:NCY MORTGAGE ASSISTANCE ACT or 1983
PLEASE IU:AD 'l'IIIS NOTICE. YOU MAY BE ELIGIBlJ!: FOR
FINANCIAL ASSIST.IlNCE TOWl\RD YOUR MORTGAGE PAYMENTS.
Dellr Ms. Nowak:
The Mortgage held by the Pennsylvania State Employees Credit Union on
your property located at 235 State Street, West Fairview, PA 17025-3236
is in serious default because you have failed to pay promptly
installments of principal and interest, as required, for a period of at
least siKty (60) days. The total amount of the delinquency is $812.85.
This sum is good through November 21, 1997.
A regular scheduled monthly payment of $270.95 is required on
November 22, 1997.
You may be eligible for financial assistance that will prevent
foreclos~re on your mortgage if you comply with the provisions of the
Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"). You
may be eligible for emergency temporary assistance if your default has
been caused by circumstances beyond your control, and if you meet the
eligibility requirements of the Act as determined by the Pennsylvania
Housing Finance Agency, Please read all of this Notice. It contains an
explanation of your rights.
Under the Act, you are entitled to a temporary ~tay of foreclosure on
your mortgage for thirty (30) days from the date of this Notice. During
that time you must arrange and attend a face-to-face meeting with a
representative of PSECU, or with a designated consumer credit counseling
agency. The purpose of this meeting is to attempt to work out a '
repayment plan, or to otherwise settle your delinquency. This meeting
must occur in the next thirty (30) days.
If you attend a face-to-face meeting with a PSECU representative, 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 of PSECU's representative is the undersigned and'may be reached
at PSECU's address or by calling (717)234-8484 or toll free (800)237-
7328. This representative's eKtension is 3120. The name and address of
the consumer credit counseling agency in your area is Consumer Credit
Counseling Service of Western PA.,Inc., 2000 Linglestown Road,
HarriSburg, PA 17102, 717-541-1757. It is only necessary to schedule
MainAddress: 1 Cred~ Union Place, Harrisburg, PA 17110-2990, (717) 234-8484' (800) 237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106.7013' (717) m.21 00 (TOO) . (800) 472.1967 (TOO)
Sa~'\llloderally /nand '" " 1100,000 by '" _ Cl1dl uno. _
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one face-to-face meeting, You .hould advi.e PSECU immediately of your
intention.,
If you have tried and are unable to re.olve thi. problem at or after
your face-to-face meeting, you have the right to apply for financial
a..i.tance from the Homeowner.' Emergency Aa.istance Application with
one of the designated conaumer credit coun.eling agencie. li.ted above~
An application for assistance may only be obtained from a consumer
credit counseling agency. The consumer credit coun.eling agency will
a..i.t you in filling out your application and will submit your
completed application to the Pennsylvania Hou.ing Finance Agency. Your
application must be filed, or po.tmarked, within thirty (30) days of
your face-to-face meeting.
It i. extremely important that your application is accurate and complete
in every respect. The Pennsylvania Housing Finance Agency has sixty
(60) days to make a deci.ion after it receives your application. During
that additional time, no foreclo.ure proceedings will be pur.ued 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, P. O. Box 8029, Harrisburg, PA 17105. Telephone No. (717)780-
3800 or 1-800-342-2397 (toll free number).
If you choose to exercise, your rights described in this notice, we
cannot foreclose upon you during that time. Also, if you receive
financial assistance from the Pennsylvania Housing Finance Agency, your
~ome cannot be foreclosed upon while you are receiving that assistance.
Sincerely,
~~~
Edward Bates
Collector
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PENNSYI.VANIA STATE EMPl.llYITS
CREDIT UNION.
Plainli!'!'
Y.
DEIRDRE NOWAK.
DclCndanl
: IN TilE l'lJlJRT OF CllMMON PI.EAS
: CUMIIERI.ANIH'llUNTY. PENNSYI.V ANIA
: CIVIl. ACTION Nt I, I)X.5XJ I
: MOR'f'(iMiE FORECl.llSIJllE
PRAECIPE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Counscl moves thc Court to rcinstatc thc Complaint in thc abovc-captioncd mattcr to bc
ablc to obtain scrvicc of thc Complaint upon Dcfcndant hy altcrnatc scrvice as dircctcd in thc
attachcd Ordcr of Court.
Date: April 29, 1999
McNEES. WALLACE & NURICK
/'.
By \\/~I, '",\ --
F. Stcphenson Matthes, Esquire
Attorney LD. No. 67408
100 Pine Strect
P. O. Box 1166
Harrisburg, PA 17108-1166
(717) 232-8000
Attorneys for Plaintiff
IY1AH
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PENNSYI.VM,/.,\ SIXIT /.\11'( ('Y1i"
CREDIT UNION,
1'1";lIIill'
1\ I J IL (.( lll( I (>I' C( 1\1\l1)~ PI.I,,\S
( .1\111/ 10..\.\;(> ('( J1\TY, I'L:--iNSYI. V:\:--i'A
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('IVII. ..\('TI( ,\; ~(), '>X.5X31
DEIRDRE NUWAK.
DcJcl1da/ll
.\ II IJ( Ii i.V il: i'ORI:Cl.nSI'RE
OIWEn (;n:\:\'TI~(,LfL,H~!JI':Cs .\I!>TIO.'\ FOn SPECIAL OIH>F.R
AND NOli'. this /8 day of h 1 (I,<'I~ . 11)1)1). uplln consideration ofthc Plainliffs
Motion for Special Order lJirecting ~er';icc By \/ailllpon Deli:ndanl Deirdre Nowak pursuant to
Pa. R.Civ, p, 430(a). and it appearing to ,hI' ('<!'.In thnlthe I'laintiJThas made a good faith cffon
to locate and sCrl'e thc Deli:ndanl in the regllLlr c,)ursc. il is hcreby ORDERED that said Motion
is GRANTED. and servicc uplln Ihc Lkli:mbnt Deirdrc ?'-iowak is to be made at 235 State Strect,
West Fairview, Pennsylvania 17025-32.1(, by reglllar and ceniJicd mail. rcturn receipt requested
and/or posting of prcmises,
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SHERIFF'S RETURN - REGULAR
CASE NO: 1998-05831 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS.
NOWAK DEIRDRE
ROBERT L. FINK , Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within REINSTATED NOTICE AND was served
upon NOWAK DEIRDRE the
defendant, at 18:13 HOURS, on the 3rd day of May
1999 at 235 STATE STREET
WEST FAIRVIEW, PA 17025-3236 ,CUMBERLAND
County, Pennsylvania, by handing to POSTED PROPERTY
a true and attested copy of the REINSTATED NOTICE AND
together with COMPLAINT IN MORTGAGE FORECLOSURE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
POSTING
Surcharge
18.00
9.92
6.00
8.00
So a?~<= ~~
K. lhomas K~lne, ~rlfr
~q.l.~L.
MCNEES, WALLACE & NURICK
05/04/~999 /::? I L~
y ~~(t~. ~~ ~
e u y" rl
Sworn and subscribed to before me
this 'f~ day Of'-n~
19 91 A.D.
n L<.- Q )'kf2{!~. ~ A c;ii;
~ rorot.l10nocary I '/
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