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lJNIIlll\M Cc IvtN^N1S Btlrrnwi:r alld 1..i:lHlcr ClWi:llUnl allil agll~c ll' fllllll\n:
t. "a)'nu'nl or PrinclPlllulldlnh'rl'\I; I'n'llu)'ml'lIltmd Lull' Chllr~cs. IImwwcr !.h,,1I flru1llflll~' p.IY whcn duc
Ille priudpill tlfauJ illlc!'cst t1llthctlehl cvidem:cd h)' Ihc Nolc amlllll)' PI~P"YlllCI1I ,mil lalcchargcsdul' 1lI11kl thc l'\lllc,
. 2. FlIlldlt rllr TJl,u'~ llnd Imllrllncc. Suhjcl:tlo aflplkahl~'law or 111.1 wlith'U w,livel' hy r.I.'lIller, lJollllwcr ,!l;tH p~l~
In I.cllder on Ihc day Illolllhl)' )la)'lllClIlS <Ire Jue lllllicl' the Nlllc, lllllillhl.' Nole is paid in full. a 'Ulll ("Fllllds") l'qll;li In
llIlC.I"'cmh of: (a) )'Cilrly la,es allll a!.se....mcllls .....Ilk" mOlY ,lllain priOlil)' mer Ill... Sel.llIit), Imtnlllll.ul; (hi ~l'OIl1~'
'lcaM'hnld paYIl1~'Il!" m ~rollllll rcnls Oil the I'wpell)'. if Illly; kl )'l';uly hat;illl in'IlI.1l1":': plcrnillm..~ '111d hi) Yl';irly
tl\tlllg"gc iu,mallCc pll'milllm, if allY. Thc..,' item.. arc l:alll.II..I....l:mw item..," LClhkr Ill")' l.'..llIllale llic Fwub due 11Illllc
h.....i..lIf CIIH>:llt d,ltit ami rl.....onahlc C!.tilllllles nffulUl'c C..CfllW item..,
lill.' I:Ullll\shilll h~ held In UIl in\liltlliolllllc tkpmlh u..al....O\l/lh llfwhiL'h arc ill\un:d ur ~Il;lr:llllt'l.tl hy" fi.'lklllllll
'>latc Ilgl.'IK)' (includins Lcu,ler If I.clldcr j\ !ouch ,Ill im,tillllioll). LClhlcr !oll:lll apply Ihc Fund\ hI pOly till! C\,:l'lIW ill.Ill'.
Lemler mOl)' mil charse I'M holding allll <lpplyillg Ihe FUIlIt.., allal)'lillg the acctl\lIllm \.cliIYilll;! Ihc C"l.;l'llW itclll... lI11k""
Lendcr rut)'!. Bomm'er interest nn Ihc Funds und applicOlhl~ law permits Lcnder 1ll111;l\.;c Mh.'It:1 dmrgc, Iltll"lowl'r ll1ld
I.cmler lIIilY lIj;rcl! ill writing Ih:1I inli:rc"l !ohall be paid UIl Ihe Funds. Ollll"'" un ll~rl'cmcllI i", Illade or upplil'uhlc law
rl'quirelo interest 1Il hc raid, Lender lohaU 1101 be required 10 riay UOr/w,,,'('r .lny illlt're!ot or l.'ill'llillg"llIl1Iw Fund... !.t'ndcl'
shall gi\'c 10 Umrow'cl", without ch..rgc. an anllual accounting of the Fund, ",howil11;! credits alld dchlh tollie Fund... all,tltlc
purpo..c fill' whil:h c;tchdcbilln the Funds wa", Illude. The Fund", 1'l(' pletllll'lI u.. adtlilitlllal..el:uril)' ftlllhe SlIm'" "('I.'llll',j hy
IhisSCl:llrilY I..slrumcnl,
If the ilnlounl of the Vuntl.. held hy Lcnder, loselher wllh Ihc fUIUrl.' monthl)' fla)'IIlCllIS Ill' FUlllh payahle priOt' In
the due dale.. oflhe e",crow items, ,hull c'-cced Ihclllllounl required In pay the cscrow ilclIllt \\ hell dUl', thc Ch.C.... ..hall he.
at Borrower's option, eilher rromplly repHid to BorrowC'r m l'rcdilc~1Io IImrower on 111011lhl)' paymcnls of Fund"" If the
amounl oflhe Funds held hy Lcnder is 1101 suflidcnlto pay Ihe csemw ilem.. wllcn due, BllrJowcr ..hall pay Itl LClllh-r all)'
JlIllOlIJII Jlec~':'''llr)' In make tlfllhe ~tcljdcnc)' in nnc or more paymellt!i;J.s l"c<luircd 11)' tendcr.
Upon paymenl in fuli of nil sum", !occurl.'d by Ihis St'~'uril)' Imtrulllcnt. Lender shallpwmpll)' rcfulh1 to Borrower
lln)' Funds held hy Lendcr.lfunder rarugraph Iq the Propcn)' i.. soll1 or acquired by Lcmlcr. Lcndl.'r shall apply. Iln lillcl
than iUllllCdialcl)' prior 10 Ihc salc nflht~ Prnrerty or il!'. Olcqui..ilioll hy Lendcr, all)' FUIHI.. 'lcld hy Lemler allhl.' limc of
lIpplicalion asucredit agaimt Ihesum.. "eClJfed hy this Sl.'curilY In,lrulIlclll.
3. Application of Pa)'mellls:. Unless applicable law flm\'idC',tlthcrwi!.l~, 1111 P3)'IIlCllls reCd\'l'd hy I.clldcr ul1der
r<lra~nlrhs Illlld 2 ",hall he Dpr1icd: fin-I, to laic char~cs dlle under the NOle; second, In rrepaymenl char~c.. due Ulhl~'llhl'
Nole; Ihil'lt, 10 amuunts payahle undcr p;u<lr,r:lllh 2; founh, hi illlcrl'~1 duc; alld 1:J~t, 10 principal due.
4, Charj:cli; Urns;, Borrowcr !.hall pay al1ta",:s, USSCS!.lllcnt",. chargcs, fines and illl(l(l..ililln.. ullrihulablc tollle
l'mperl)' whkh Ill<l)' nllain priurily u\'cr Ihis Si:curil)' Imtrumenl, Dud lca,dUlld pU)'lllcnh or ground lenl.... if uny,
UmTllwcr shall P;I)' Ihe..e ohligalion!. in the nUlllllCI" pru\'idc.t in (1illilgnlph 2. Ilr If lint paid ill Ihilt llIallllt"l'. 1l1llIW",,'l'l" ",h,dl
IlilY IheJll1111 lillledircl.:ll)' 10 Ihe pl',slln owcll pa)'llll.'lIl. Uonowcl" "hall plumpt!)' furni!.h In Lt'ndl'r ,llIlltllk'cs tlf allldUlll",
to he paid undt'r Ihis pamgraph. If Borrower Illul\cs Ihcsc paymcllts direcll)" BOfl'OWCr !ohall pl'Olllpll)' furni..h 10 Lendcr
rl'ceil'h. c\'idclll:ing the 1l11)'lIlcnls.
Umwwcr ",hall promplly discharge nny lien which hus priorilY m'cr thi.. SeCtlril)' In""rultlC'nl unlcss normwer; (al
A~rce'" ill wriling I.:) the payment OflllC ublisaliun !.ccurcd b)' lIlt:" lien in a Illallncr llCCI.'plahle tll Lendcr; (h) l:tllllcsls in gond
faith Ihe Ii,...n b)',llr dl'femh ngaiu!.t ellfon"~IllClll ufthe lien in. k'sal flf'l)ccedins.. whidl inlhc Lender's (lpillinn opcrule In
rrr:n'llllhc ('nl'nn:clIll:nl oflhe licll ur ftll"fciturl! (If uny pilrl (If Ihe I)mperl)'; nr (c) set'llre", (mill Ihl! holder t1flhc ht'll all
llgrl'clllt'nl ",ali"(,ldur)' In Lcmlcr ",uhurdilUlti"s Ihe Iiclllolhis Sl.'l'uril)' Ill~lrulll~1l1. If Lcntlcr d~lcnllillcs lhal all)' p.lfl tlf
Ihe I'mpcrt). i.. !luhjl'CllO a Ii~'n wllk-h may all:lin priorilY (wer Ihis Sl'l.'Uril)' 11\~lrllmel1l, Lcndl.'r may givc BOIftlwcr a
, !lulice idcntifying Ihc lien. lIorrowcr shall sali..f)' thc Iicll or 1,111.' one or mOle of tile ,Il~tillll'" ..el fnnh ubove withilllO days
nfllle Si\'ing,nruntice.
S. 1f1U'.4td In..urUfl.". BllrrO\lo'et !\hllll ,,"ccl'lhe impro\'crncllh !lflW c,i"ling llt hcrcltflcr ('rc~'lcd on the I'mrrrl)'
insured Ilgaiml1oslo by lire. ha1.ard!l illcludl."J,within Ihe lerlll "C:lilC'lIdt"J cmungc" and nn)' .oIlier halard" f~lI" v. hieh I.elldel
rcqLllre!\ IlJlturan,.c. Tim, imuram'e "hllll be mnllltuillCd in Ihe amounh nnd for the pcrwdlo thuI Lender rel.lUlrCto. Thc
im.urance carrir.. pnwiding Ihe InllunUlce ",hall be chosen b)' BmmwC'r ,ohjcct to l.C'utlel'll aprl'O\'lll whidl "hallllllt he
ullIc3sonahl)' withheld. .
All inlllllulll'C Ilnlides IInd (l'lIcwals shall he a~'cC'frtahle 10 Lcnder and shall indude a "tandard Illnrl~:lgt~ I,:liltl'oe.
Lender ",hall hnc thc righllo hold the policies and rene\\'al... If Lt'nJer r('quilcS. Bonnwl'r shalll,mlllfllly ~ive to tender
all rCl.'C'lpll, ul polld prellllum. and rellewl$lnollccs. In IhcCVC-nlllft<lSS. horrm"l'rshall give I1romrlIlOlil't' to Ihe in"'ufancC'
I.'lllricr IInd Lcmler. L4.'lldarnay make pn'K1foflolos ifnnlmatleflllllllpll)'ll)' Borrowl.'!.
t !nlcs," l.l'lIdcr bud UlIrwwC'r tlllll:r",.iloc lIl:ree in \\Titill~, illlo'unmce pl"Cx'ce..h lohallhc apfllicd hl rc",lorulion nr repail
(If,he I'mpC'n)' damaf:cJ, if the rC'sloralion or rerair ilt eC'ononti,~al1y fea",ibIe and LcndC'r'.. lltx:uril)' i. not lelt"'Clled. If Ihe
IC'llh\ralillil or fr.pltir i. not eCllllnmicall)' fCll\o.ihle fir LlI:ndC'r'Jj "('I.'uril)' "muld he k....enel.(. the illltUfllnCC pl'llC"C't'rJ" "hall he
upplit.l' hI ~lte MlllHo "..,;;tlll'!.l hy thill Sl'l..urilY lnl>.lrUllIl.'lIl, whl.'llwl" or llt)ttheFI due,wilh om)' i:~Ct'l'll>. pai..lltl Hnl!'dwer. If
BUlroVo'rr _ahundolll>. the Ilmpt.'I'I)'. Ill' dol."lo fl()1 anlowr.r wilhin 30 dar1> a IUI:il'e fmm Lcnder lhlit the in"uram.t "fflt'! halo
tllli'n~J Itl 1It'1l1e 01 dllllll, Ihl'll LC'lIdl'r ma)' C't.,lh~l'l 'hc ill\lourani,'e (lI'fll.(X'JS, Lt..I\.It'r O1a)' lIs<.lhe prol:ccdslcl H'pl1ir or I'C",lllI'C
thc IIll'Jlt"rl)'t.It ll\ )lilY "0111" "e~'\ln'll hy till" S.."t.'ul'il)' hl"'lfUlIU'lIl. wlll'lha 01' lloll!lt'U tlue. TIlt' ~O.lIu)' 1"l~lil)J will he~ill
....IWlll!icllulit.'eillJ;in'n.
1l1l!eM,I-t'1l..tt"1" Dlld IIl1rmwC'rl',11U'l'wi",e agrct'in wnUllt, all)' lIrplkalioll ofprocct,'d.lo (lrindral ",h,311 11111 (',Icnd t.1I'
IlllI"tp'llll' lh~' JUl' ..laIC nflhe n\luuhl)' pU)'lI\t"nlh refent'dln in fll\lllp,*ph,; I :11\1,\ :! (II' dlall~c ,he allhlllul of lhe pilym('llh, If
IIr..kl 'l;Il<IJ:',f;tl'li IQ Iht'I'n"pl.rly h. :w'~llih',l h)' II."mll'f. Bnll.IWl'I't.llf,hlIII ,Ill)' inlolll':llll't'IlClIit"ln :1Il.! Ilhk.W.I" It'loIl1IillJ:
fI"l1llblllllFC i,! lilt' l'hlp~.'I)' 11111)1' 1Il111C b~'~tl:loilillll hhalll'u.s ~Ill-t~ll~kl' Itlllll' ell~'IlI'llf Illc hUIIIS lo..~.'UIl'J hy Illl" SC'l'UJ II)'
Ill"lrlllllt"lIlllnllll,'dillld)' l~ritlllO thc "~:qui",iljllrl.
6. l'rcw'nlltllln ,Ind !(!ainlcrUlIlcl' (l( PropC").; I ,('aw..huld.. BI~ml\\tT ",hall tWI delotro}'. dall\a~t' I,lr !ouh"ljjnliall)'
d'illllf(' Iht. "IHIIl.'11}'. illIll\\' 111(' 1'!'llIWI1}' III tklniorOlh' Ilr t'tllUmil ....l\..I('. If Illi", S\'~'unl) hl..lnllll('nl i", 111I U -\,';I..dIOl.l,
1~,lllll\WI "halll'llllpl)" ....1111 tllt'Pl'lwi"illlllillflhckalol., IIIIJ Ifl'\ln\I"H.llln~llll't~ h.c Illk IOlhe 1'h1p~'rly.lll~'II.':llil'llllk1 illl.l
h'I.' tll1(' "llallll,lllllC"II~r: 1I111t~. LC'IlIh'r .1J:1t'C" hI tilt' fller~('r in """Will!'" .
1. ..nlll....tllln ur t...ndc'r'. lUt:hh in till' "r.l(l('r1r; \lnrtpl.t:(' In.uranl'l'. If' 110(l.'\\'cr (;Iih in IWff"r1l1 Ihe
,:,1\("11,.11I1" ,II.., ''...It'I"I\'t'III'' ,:I)U,"illl'.1III Ihi" SC~'II..il)' IU"II\lllWlll, ,II tbl.I"'I,, it Il'~Olll'lt)l.l.\.~lillF- that Ill.!)' Ml~lllh...UlII) ;ltl~...1
1.,('lhit'l\_ ,iIChh inlhe "wlwl"l)' hudl u!o U JWIIl'C'~'dlllV: ill bUlIlnIFh}. ,,"lhUIl', f,lf 1,.1\lhklllllalll\l1 II' to t"lll.Ij\'C !.utli ,11
h'rlll~II\Hllol.lhl'll t.t'/l.kl ilia)' J,llllllJ Pil)' f.,,. ~h.lIt"H'I'!ll\t'''t~..;tll hI pl'llll'd till' \';lluetlflhl'I~f(ll'(TIY ~II.1 l.t.ll~kl'lo llfht!l
ill-,ht.' 1'1'\!)('JI~'. l.4,'lIlkl\ lIi.tiolllolli;ly indLl~k Il;a~ill~ .ull}' 1-unn, "('"l'Uld hy;a hell" ludl tUI'" pri'l!'il)' tl\l"llhit. SI'I.Ul'lI)'
IUhlllHlll'lll, "PI1I",I;I"Ull: III t.tlUI1,IUt~ill~ n,'a"'llll"bk ;aU PI lWP.' kt")o, illl.1 c'IlH;,itlf: 11l111..: pII\!\\'I'I)' hll1l,.lc It'p..in. AhlhlUfh
1.i:"llih1Ill:lY l~l.(,>ldldll'Ulldl'r Ihi", pan1tmph 7, 1.4,"lhkr .10t,'\ tlllt haH' Itldl\loll '
^"~' am,llIl1llo dllo\IUllot~ b) It'lhkr IIll.kr Ill'" lI~farlll'pII'1 loll{tlll!ol'.'\llIl~' 1I.'h\lli.llIal ddll nfll,IFTtlwt"rlot','ufl'd by th,,,,
Sl~.'\lril} 1u~1 l"tllllelll. t lhk~", H.I1It.l"'I~f <Iud t ,...lh1t'l Jlf'J{.c to illlll'f Ic.ll111\ .,f p;I~'llwllI.lhn.t" 11llhHlllllo ,.11:111 !wl!r illh'n...1 frlllll
til,' .talC': "I' (j",hur"'C:lwfll .(II l!W !",ll(' '.(Ill' .(In.j "huH ht.. PliP.hk, "'1111 lf1h'Il"~.I, llpnll 1l,\ll...t. fl"lll it.tt,kf 1\1 HIlIl"....~'c
11''-!Ul...l11lt 1'''''~IIWHI
l',;J(JY.
",:'1:) l'!.tl
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II' L\:mkr rcquir('d Illilrll:'arC imlll:illre ilS a ~'I\llllitill" .,1' lIIaking the 10;lll ~~'clllcd II)' Ihi, Sl'('uril)' Ill'lrLlIllelll,
IIllrlil\\W \h;lll flay Ihe jlll:lIliLlIll\ IC1luirl'll hllllainlainlhc in"lII01l1l'e in dli.'l.'l tLlllil \lIdllil1lc 1I" the rcquiremellt f,lr Ihl'
ill,m:llln~ 1l'rl1linall'" ill ;.....'".\01111'1. \l. illl 11<11 nl\h'l'\ OImll.clhlcr'" wlinen :I!=h'l'lIlculllr a"plkahle bw.
H. 11I\1l('rlillll. I.l'mh:r or i,,, agclll IllOlr IIM\.;C reaMln:!hle ('11Il'ie" upnn lllul ill"Pl'clion, nl" Ihe 1'!"lI(ll'fI)', Ll'ndl'l
!ohal1lliw 1!llnn"er Ilolire :Llllle: lillII.' 1'1' (Ir pnllr 10llll in!.pCl.'li'lll !.I\l'(if)"ill~ rl'OI\lluahle l'aU!.C till' lhe in!.I'l'l'lilm.
9. ClIlldl'mnaliHI'l. Th~ prllCt'cill,"f:lIl)' ,Iw;ml or d:lim fllr dalna!=ell, di........lllr l'Oml'lluelllial, in ....OlHlcction willi
>Ill)' c(llldclIllIatinllor tIther Inking or llll)' part or Ihe PWPl'IIY, 01 fllr C{lll\'l')"OIIll'C in liell of condelllllillinn, ;lIe hcn~h)'
lI!.\igned and \l1all bc paillw Lender. '. .
III the e\'l'nl 'If a IOtall:lkillg (If the I'nipefl)', Ihe pwceeds !.hall hl~ aPrlied 10 Ihe ~Ull1S l<occured by this Secllril)'
Inslrument, whelhcr or nulthcn dae, with 1111)' c),c~~s raid (0 Borrower. tlllhe c\'enl ora paniullaking IIf Ihe Propeny,
lllllt~S!. lIonowcr and Lender olherwj~(' llgree in writing. Ihe Mum M~~'urcd hy this Security ImlrUOlcllt shall he n'duced h)'
Ihe allwuntllf Ihc rmcc....J~ mulliplied b)' Ihe fllJ10"'ing fractjllll: (;I) Ihe Intal amnunl of Ihe M1II1!. !oc\:med illlllwdialcly
hd(lTC the I"kin~, divided h)' (b) lhe fair markct value (If the Propelt)' imlllt'dialc1y hefMc the laking, AllY hal;llwe !.hall he
paid 10 Borrower.
If the )Iropert)' is ahandon...-d by Burrower, or if, after notice hy l.ender 10 llormwer Ihat the condemnor nlfers to
inake nn award or settleu claim for damages, Borrower fails to Tel-pond to Lender within 30 days ulier Ihe dale Ihe notke is
gi\'ell, Lender is authoril.cd 10 colleel und lIppl)' the proceeds, lit its opt inn, either 10 mloralinn or rcpair ofthc ProperlY UI
fll thelourm liccured bylllili SCi:UrtIY l",IHH/l"/lt, ~ll,'llll~r('( lwl "N:11 JUl'.
Unless LeuckI' and Borrower otherwi\e agree in v.'Tiling. any lIpplkation ofpmcccds 10 principal "hllll nOI extend or
p~lslJlOlle Ihe due dafe of the monthly pll)'rllenh refcm..-d to in pllrllgraphs I and 2nr change the 111l10unl nfsueh Pll)'IIlCllts.
'10. IJorroM'cr Not Helcllr.:cdi Forbearance IJy l..cndct Not a \\'1I1\'ct, I!xlensitm of Ihe limr for ptl)'melll or
modification of umortil.utic!ll of Ihe SUITeS liccured h)' this ScCuril)' Inslrumcnl grlllllcd hy Lemler to Ull)' louccessm'in
inlerc\t of UnrrowcT lohallllol o['lerate 10 n:lealoe the Iillhilily tlf the orit;inal IInrrowcr or Bmrowcr's succes!.ors ill inlcre"l.
truder ~hall nOI be required 10 commence Ph'll'ccdingll agahl\t Ull)' SUCl'CS\i.or ill inleresl or refuse 10 eXlend time for
pllymelll ornlherwh"e modify amoniution oflhe: ~UlllS IlOC'Cllred hy thi", Serurit)' lmlrumenl b)' reason of an)' dellland mude
b)' the~)figinlll Borruwer nr Borrow....r.s SIlC':t,.~!.Ol~ ill in'iere"t. An>' flllhe"ri>m~c hy l.ender in ckcreisillg an)' right or relllcd)'
~"alllHII he a waiver of or preclude Ihe cAerdse oran)' righl or relUed}'.
11. Sllcce~"orli ~nd AllWi:nli Uoundi Joint and Sc,'cral LillbUit)"j Co..i~ncrr.:, The eo\'enllnts and ugrcemenls of
Ihili Securil)' In!.tcumcnt shllll hind and 1>Clleflllhe SUC,ccs~()ni and U~Sigllll of Lender lInd Borrowcr. subject tnlhl~ prod~ioll"
ofparugruph 17. Borrowec'" co\'cnantlJo and iSgr('cmelllli 1Jo1101I he joint and !.c:\'eflll, AllY Borrower who l'().!;igIlS Ihis Sccurity
Illslrumelll but l1ncs 1101 e,-ccutc Ihe Nole: (a) is eo.."iguing thi!lo Se....urily In!lilrumelll only to mortguge, granl and con\'(')"
that Borrower'!- intcrehl in the Pmrx'rly ulldc:r Ihe lermsof,his Security In!.lrumcllt; (b) is nol personull)' ohligUlcd 10 pay
Ihe: MillIS Ioccured by lhi!. ScrurilY In",lrullwl1t; lInd (e) agrees Ihat Lcnder llnd 1I1l)' III her lIorrower may agrl"C III e),tend,
lIlodify. f(lf'bcar ur make uIlYIll'ctlll1mn..1ati..l(\S with reganJ III Ihc krill" "f Ihis SecutilY Imlrlltl1enlllr the Nnh~ Wilhtlul
Ihat Uorwwcr'sconlocnl.
12. 1.011n Charge1i, If the loan "ceufe(l h)' ,his SecurilY In!lilrunlenl ilo subjecllO a law whkh scls Illuitnum IOOIIl
ch:lr~e", OIlId Ihal Ill\\' is finally illterpu:ll'd 100 lhal (he il\ll~rc!.t or olher 10uII ('hargcs cnllecled or 1-' Ill.' collected in
COlUICCli.llI wilh the 101m ('k~'eed Ihe pennillclt Iimih, then: (a) 1t1lY "!Jch Inun dlar(;C !ohaH he reduced by Ihe u!nouul
IlCl'CS\ar)' 10 n:duce thc chargc 10 the pcrmillC'd Jimil; and (h) all)' tioum1> al/"ca,t)' colleCleJ frtlm Borrower which c),c....eded
permi!ted lilllil~ will he refunded to Borrower, 1.ender ma>' dlOo!.e to miLl-e this refund hy reducing the print.:ipal owed
under Ihe NOli: tll b)' making 1I dlrecl pa)'mellllo Borrowec. If II rcfund fcdurc" principal, the ccdlll'lion will he trculed as a
Pllnial pn'pa)'lr,cnl wllhuul till)' pn:jlll~mcnt dunge undcT Ihe Nole,
I~. t,('l:llolation AlTcclinR, lA'ndrr'to Ri~hh:. If cnal.'lmCIII (If e>:piralilln of IIprliCllhle la\l,'l!i has Ihe elfl.'Cl of
fl.'lllli-ring all)' provh.inn oflhc Nule (lr tllilo Se(,lIlit)' Ins~rum,'nt uncnfllrc(:uh1c accmding to ih .erms, LcndC'r. at il!. ojllion.
Illil)' I'C4uil'e immedialc pOl)'rIlcnt in full of ullllllms Ioccurcd hy Ihit; S(.....urit)' ImlnlrllCr,t and Illa)' ill\'Okc Ull)' l"etllcdielo
[wnnilh'lt h~' rarafraph 1101, If Lellllt'r c),cl,;!;e" this option, Lender shall lake Ihc t;1('PS !.pecificd inlhe !.C\.'ond p:lragriph tlf
pOlra~rOlph 17,
14. Notketo. All)' Ilolil.'e 10 UI'rmv.'Cf pro\'ided for in thi" SC'curil>'lmtrumenl !>hall he gi\'en by de1i\'cring il or h)'
mllilins il b)' finl das. tn.il Ul\le~1l ~rr1iL",hle la'A' requirelo Uloe M illlolhcr Illelhud. The l1oliL~C I>htlll be dire(.'led 10 thc
PropcI'Il' Addrc",,,, (If IIn)' olhec addrCl>!lo Borrow.:r dCl,ignale1o hy nolice to tcnder, Any notice to Lender shall he l!i'I'en by
fir",t dilt;IlI1lRillll Lendt'r's Ilddrt'Io" Iot.It'd h,'rein,or allY olher IIddl'C\1l Lender.,ksiglllllCsh)" nOliceto Bnrmw,:-.r, Any nnlice
pnl\'idl'll fllr in this SI'.(.'U1'il)' Il\:.otl IIlllenl "luIII he ll("~'ll\eJ h) lIa\'e h~ell givcn ltl Borrowcr or Lender .....hcn given D~ provided
in'ILl~(\aULfrllph.
15. (,;u\icrnlna LI'A'; StH'rahiHt;r. Thl\' Securil)' In"tfumelll ~hDUI~ g\l\'rflled h)' f,'dcral1aw and Ihe law uflhe
jUl'i~djcli()1\ ill whidllhe 1I'O\I\Crt)' i" kl(lll('d, IlIlh(' e\"'1111h~1 boll)' pftwi.inll or dau"c uf thill Sc(.'uril)' IIIlMulllel.I'(I( the
NOlL'" t:llll11i(.'ls wilh apphc~hle la\\', SIKh ':i.\llnicl ",hall not aired lllh€r rl'm'it.illn~ (lrthh; St';;uril)' Irl"'lrumelll or lhe Note
'Ahidlt'ull he f.i\'CII ~:n"'...'1 wilhout Ihe nlllniditl~ pnwil.,ion. 1"~\ lhi~ ,'nd Iht Ilm\'i\illll\ of !hi\ Se~'Ul'il~' Illlotrulll,'jlt and Ihe
Noll: ale Ill....!;sa.d III he lol:\'('I~hk.
16. UorrUlu'r'. Cop)". nnrn~v.Tl'lohllll he f,in"n oncl'.onfolnle{1 (:op)' of tile NOlc Iind'"flhi" ScC"uril)' Imtrumcnl.
n. lranl.f,'r or tile '.rullt'f1" nr a Ul'nl'lirial Inh'n..' In UorrOIlI'('r. If,.1I or all)' part ~)f Ihe.' P!orcny (II' .lIIIY
11111'1"101 in II i~ Slll.t ..u Ililtl~fa'ln~d loll If II tl('lldil'lltllllll'lC!o11ll B\Uh""("" i. IoIIM tlllflUl"f("rrl'd lInd 14m'rowcr '" 1101 .Ii naluflll
IlITIoon) \\'llhlll1l1 ,('odt'c'" ruinr Wnlll"fll'oIlM'/It, ).,'udl"1' lUll}'. III it" "l'lillll, n'~uin.' immediate p3)'nll'1l1 in full o(all sUlm
tot','uH'd hy Ihl. SC\.'\ll'it)' hltolrullU'nl. nll"'C~'I'(, 1111" opllllU Iohillllllll he 1'),':h'IM~j b)' I.('lhkr if eM'Ct'IIoC n, rrnl11hllt~~t hy
f('~klllllll~' ..Iollfllle d.II('..fthlll 'S1.~'Ul'll)" llllolmnWllt,
111_t'n~kr (~"('l~:t:'l'. 11m llJ1titm, tl'lIlh'1 hlndl a:i\'c HI\IH'\\('1 1I,llh:e {If IIrakllLrjlll}, The nnlln~ "hull pl"l\\'idl' II t\Crlllll
nf nol k~\ tll;!" .~O "il). 10 twm lh" ..1111C thCl\\'ll.'(' I. ddIH'n:J :,,, m;lI~I~J wll!1l1l 'A hldlll,lnnw('( mu"t 1'",)' .lIloiJ')I\t.lolXUIC.d h)'
Ibi, Sl~lUlilr IUIolnl1l1('III. II' H'llh'\\TI f.ul" hI pa)' Iheloe lo\mu. fl';illr Illlhe nl'LliltiuTlllfllus pniod.l,cud{'1' lUll)' ill\'llke btl)'
"'lIu',lIt'\ 1'\'11111111..1 l1l lhi~')l"'\lnl}' In~lllIflwlll""'llh"lll f\ll1l1c! lll.til'("/1 .kIlHl,II..l,11I Illllltl"CI,
IN. U"I"I"II,",'C"'" Ri~b, tit "(,I".t.I(', II' H,I,IoII<\'.'1 HU'{"I> .'('I1,lilll'tln,hulIll.., 1I11110"H'1 loollllll '111\'': Ihe IIrhl hI k,ue
('nfl)r..'('IllI'lll..lltlu1l. Sn:llll1r In!olnmWlIt .:h\,-olltm(ll'..l al UII)-IUlI(' Plio" 'Hlllt' 1'111111'1 uf: (;tl ~ .tU)'''' (or ,"Udl (lthell't'wkf 11\
~l'pli....hk ill", UlIIY IoP'''':'I!) j.lt n'lll\lil<\('lIH'lll) lll.-fme "..k flf tll~ Il,op(,11)' l'"1loUlIllll., uu)' pr.l'A'Cr uf IoUlc (...mlilmed III 11m
'Sn'UIII> l'I"UUlIU'Ut.. III (hI C'lllf~ HI . ,IU\i"',Ol('lll t'III..I[('II\':' Illi" S,'~:unl)' JIl!>UlllllC'llt. l'lhht 1',.lllJltillllS an: thai Bornlw,'r:
(~) J'''~. 1.1'11<11-, "II MUll.. .hl,'1I 111l'1I \hlul,111<" dut nllde' 11m "''-'I''ll~' tll\llIImrlll OlUJ Ihe N.llc: had till aCl:d,:raIHNl
'IlTlllll'.t, 11'1 ('Ules- !ill) ..ldlluh ",I ill,> luhl'l {'OI't'IISlll'" oc ll,~'H'C:lll('llh; Cd p3\,. ~ll (').fx'H\C'to IIlrulft'd III l'nfnh~ll1g tlm.
'-,1...../111\' IIl,UIIIlII'lll. III.-Iu.illl.'" hul 1I,..,lllllll('.1 tll, Ir.ilo..oll.ilohk ..Utlllll')'''' kl'!t.~ Imd (d) blt'lo surh .KlitlU atS-I.C.'lllj('l ml)"
1I'.iI""Il~hl~ H'~lllh: 1.1 ."..lil(' 111~llbl' lWll ,,1' 11m SI.,'tilll)' tm.1nlll\l:'IlI, I.l'lhkl'" tl.~hl" illlhePnlrWtl)' ttllJ U,lnll'A'c'I'.
llhhrllllllll III p..)' d.l' Mllll" ~I'I'lIlni \,~ 1111" Sc.'unl,. tllsjnjltll~l1t "hall ('UIIUHUC Ulll."hlllll','d, lJpll11 U'lII"t..h'lIlctll ..If
Ul~lllll\I'l'.lhl\ St'.-~1111)' 11l,lulllWlIlllllJ Ihr 1.1.htallllllS- M~"UIt~J hen'h) ",hllll \l'ri'llll full)' tn("dlH' 111l. If nn1H~c.:klllhllll hltJ
,1':~'lln('d Illl....(.~Tf. 1111\ tlf'1.'11111'lIllo-:"'-h' "llllI1WI! "'1'1,1)' m 1"(' ~.>>-.t' ill" ~Il:.:t.:lt" Illhlll ulldL~r jllllllf.Uflhll I) Of 17
\". ~ ~\ i-
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".
"'11
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"'"'
NON.UNIl'OIlM OIVENAN 1 S t1nrrowcr llllt! Lender further covenant amlngl'cc a.. fnllow!.:
19. AcCl':l'rntlun; Heml.'dlc!Ii. Lender !i.hnll ~ln' nollce lu nurruwcr prior (n nccrl('r~ll(ln rllllu"jn~ Ilnrru"cr's
brench or nn)' connllnt or Rs;ttrcmt'ntln this Scrurlt).lnll;lrUnlCnt (hut nul prior to nccc1crntiun under IUlrn~f1'f1h\ 13 Itnll Ii
unll'\'i Applicable Inw prm'ldcs nlhcrwlo;c). Lender ShAll nollry IIUrrll\\l'r of, nmunlt fllher lhinlt'i: (n) lilt' (kflllllti thllhc
IIctlnn rrqulrcd 10 cure Ihe default; tel "hen the dcrRult mllst be (UTeri; pnd (d) that fRllute In cure the default nil; ..peellled
ml)' tC\ult ~n pccrlcrnllun of the Slims !i('clIied by thl'i Sccurlt)' lnslrument. fnrcclll'illre h)' Jlldirlnl prncc('dln~ nnd ,;olc of
the l'toperty.Lender shall furlher InCorm IInrru"'N orthr rlp,ht tn rclnslllte nHl'r neeelernllnn Ilnd the rlilhllll R",,<,rl inll1l'
foreclusure proceedln<< 111l.~ nun-cxlslence vf n defAult lit nny olher defense of lIurrn\olCf to ncc<,l('rntllln Rnd fllfer!n"llrc.lf
Ihr default Is not cured liS sp<,clficd, Lendcr at its IIpllnn mil)' r<,qulre immediate (l1I)'m('nt In fllllllf nil SUnlS 't'('un'iI h)' thl"
Security IIl~lnlment "Ithollt fu,thl'r drmnnd and 010)' foreclllse this Sr.curll)' Inslrumt'nl II)' judlcllll pf'o('I't'dln~.I.t'nd('r
shnll hI.' cnlltll'd III collect nil l'lpcn'i('1i InCllHl'd In pllrsulnR the remedlt's prm'ldcd in this PU'"Kf\olllh 19, tncludln~, bllt ""I
limited (II, .tlmnc)'s' fC(,1i and ('CJ5b orlUlc c,'ldente to the extcnt pcrmltted II)' applicable lo~'.
211. I.cnder In Possession. Upon nccc\cmtioll under paragraph' 19 or abandonmenl or the IJwpt'r1)'. Lender (in
persllll, h)' n~cnl nr by jmlicinll)' nppointed le('d\'cr) shall he entitled tn cnter UpOII. Mkc pn....c....iOll or :lI\d Im\ll:l~C Ihe
I'rorcrty Rlld to cilllect Ihe renl..of the I'rn(lell)' inclllltinr, tho\e 1,asl due. Any rCllts cnllected t,), Lender Ilr the rel'ci\'er
shall he ai'plied finl to p8)'I1lCnt of the co~ls of II1nllll~cmcnt of Ihe IJrol,erlY lIlId colleclion of relit... indllllill~, bul not
limiled to, receiver's fees, premiulIls on fl.'ccl\'cr's bUild.. and rca\m13ble allorllt')'s' fees, llud thcn In the \UII1' !>;('('tlled hy
IhisSc{'\rrit)' In..twuu,'1I1.
21. nl.'lrns('~ Upnll pll)'TllCntllf all !>lIm.. secmcd hy this Security Illslnllucnt, Lender ~h:11I di.."hargl.thi.. Sl'l'urity
Instrument without cllltrgr.to IInrrower. nllrrower ~hall pa)' any recordation co!.IS.
22. Relnstalement .'crlnd. Hmrower's lime In reinstale providcd III parngrnt1h 1 R \hall e"lt'nd In nile hour prior Itl
lhe CI,mnlcl1cell1ent of hid ding Itt R ~hcrifl"ssnle or olher ..ale pmsnlllll In Ihi.. Security III~trUll1cnl.
23.I'urdmsc Monr)' I\InrIRa~c.lfnIlYllfthcdebl, secured h}' this Security 11I..lr\ll1lellt is lenl ttllhumwer 10 Ill'quire
title to the l'wpeny, this Security Instrument shtlll be n purchase molley mortgage.
24.lnlcrcst Rate Af1rr ,11Idi:mrnt,lIorrnwcr ngrees that the interest rate plIYllhle .If/t'" JljuJgmcll1 j.. ralcl,t'11 (\tllhe
Noteor in all actinll ofmOrlga~e fmcclosureshall be the rille rayuble from time lnlillle under the NUle,
25. Riden 10 this Sccurlly Instrum('nt.lfonc or more riders arc c~ecuted by Borrower lI11d recorded tnF,elher WIth
this Scrurit)' Instrulllent. the covenants and ngreements IIf each such rider shall he ine<.lfl'(lraled inln nnd ..halllum'lI\l,llld
slIpplcllWllt thr. cm'ennuts 1Iml a~rt'cmenls uf thi.. Security 11Islrument as if the Tillel(s) were n Imrl of lhi.. $el'lllil)'
Instrullleni.ICheck npplicnhlc l1tlk(e:.))
o ^llju\tuble Rale Rider
o Graduated Ilaymcnl Riller
o Olhcl'(s) Isredfy)
o Condominium Rider
o I'hmlled Unit l)e\'c!opment
[J 2--4 Family Ridcr
Rider
""
Ih' SIGNINO BFl-OW, Bnrfllwer accerls ami agrees 10 the 1com. ami l'iwcllnnts l'nntaillcd ill this S('curity
Illstrumenlllnd in ony ridel'(s) executed b)' Borrower Dlld recorded with it.
-...'
WilllessC'!'o:
.'.':U":,A'1J':.~~~~':.::::"','.,"..".'.. ."9c~~~"rii~b~t,.,,,
(p:::.~ .,~J/c.c.\~,\~~~,;)""~.l\,",,\',,.,t,,\,..
K,'1t.hy Ann H.1.rt2'.I'11
ISp.ce 9,10'01' Thil lint for ~ttll,f'ow"'dlmPnll
...".(Scal)
_,fln"nw,,'
..,,,,(SC;\l)
_BOffO"'"
Melllo:
York Federol Sa,/ng. & Loan A..n, '
101 S. George 51,
P,O, BoJC M-68
York, PA 17405
Alln: Setllem.nl Csp!.
STATE OF IIENNSYLVANi ^
COUNn 01' Jl{illlll tJ
ss:
011
t.llt s.
t 11<'
3mh
dol)'
,,'
July. 191\5. h('foH' nit,',
th(' un(lpndglll'l1 of(i('t'r, pl'r"nIlJtlly
Ann H{I!.t:2'I'll known t n ml" (01'
wh<ls\~ It.WIt' ...\Jb~;('I,tht.d t U t\-)('
11(' ('x('ruled t hl' .S;lIlj(' ior tht'
.-IPIW,1!"('d J.-IIlH'''' C. IIltfll('t] :lIld K;lthy
t..1t j",f;H:t,lIri 1 y jHll\'I'II) t" h(' t Iw' PI'I'!;Oll
witldn in",tnlllol'nl ,l.\ld ild\llow1('d~,pd thai
pl1lp{\f,('<; t.!H'rf'lll (pnl'lillPd, ,,'
III \~Jl.IH'~,<" \0,'111'11,(11 t 1 IH'l'c'\l\\to Sl't wy b.llld .1I1d ('II j(:I.11 "'1'0'11.
, i
~11l'" (" r"lln!;ylvl'l~!. .} S~
r,.jll\l\ (It cun1bp.Tll'lnd
I th" I'" ,,'i,jlg oll'....t!S
n"Il/lfh'!111l tile office Of '
fo\f: . In Ilnd ~CIf Cumber1F!fHl '"'-~ ~e ',I .,
~ ". '1,' P,""-"-'-
,n _aO(lk--~'.. ..~-
w,n~um""tu'dftn". .I1tll{lHi(f..~t i~
C I I r. Ihl. \ /\," ",,' "t,~ \9 -
,.",0, '~, ' _ ...,;:;'\~
:c.==,~~.
,~er,r"el
'_-8pJM~~'. ~_G:
NOTAWV J.J! Lll; ~: , . ,
OM" l ~ttl'llIlC' Ill. "Ol"'~ rl'llllt ",,'
J tt",~r.I!'.!;ur(:,[I",lIl'UI~ ftl\l:.n .
C.....UIlI'qOWfJ.!'ltli J..rJ.I~ 12, n f
I" ".. ~'" \ vi ttClI"'"
...",,,,,,..f'.,,n_yl.,"I."S$flfl.IOtl
h'.lUf,
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Ai', '185
I\~ ,'j1
~Yorll
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lOt SOUTH GEOIlGE STIlEET
P.O. (lOX M.68
YOJtK., PA 17405
ADJUSTABLE RATE NOTE
TillS NOTE CONTAINS A PROVISION ALLOWING FOR CHANGES
IN MY INTEREST RATE, IF MY INTEREST RATE INCREASES, MY
MONTHLY PAYMENTS WILl. B~; IlIGHER, IF MY INTEREST
RATE DECREASES, MY MONTHLY PAYMENTS WIU. BE LOWER,
July 30 , t9~
RO #4 Ncwvt lle, Pconsylv.1nlci 27241
1I.1rdsburg
City
Pennr,ylv.1lli.1
Stat.
Property Addrl!u
1. BORnOWER'S PIlOMISE TO l'A Y
10 return for . loan t.hat 1 have r&celvoo, 1 proml18 1.0 pay U.S. . 40.8 SO. 00 (Lhl. amount I. caUed "prin.
cipal"). plul inLue_t., to tbe order of the Lender. The Lender ia YORK FEDERAL SAVINGS AND LOAN ASSOCIATION. I
uDdentand that the Lender may trahBfer thi. Note. The Lender or 80Y008 who take. thi. Noto by trander and who i. entitled to
roooive payments under Lhia Note II called the "Note Holder."
2. INTEREST
Inlere.t will b, charged on that.. part of princlpal which h.. not been paid beginnina on the dale I reeelva principal and conti.
nuing u01til lh, futi amount of principal haa been paid.
Deginnlngon lb. dale I receive principal, t will PIllY inlereetat a yearly tate of 10. SO %. The fnterelt rate tbat. I will
pay will change in ftccordance with Settlon 4. of thil Note. The intereet rale required by this Section Ilnd Section" of this Note I. the
ute I will pay both before and BIter any default dellcribed in Section 7181 of thill Note.
3. I)AYM..:NTS
(A) Time and Place of Payments
I will pay principal Ind internl by m.king payments every month.
. will make my monthly p.ymflnt. on the fiut day of each month beginning on September 1 . 19_1lL.
I will make th.., payment.a every month until I have pai~ all 0'1 the principal and lnc.ere.t and any other charill' deacri~ below
that I may owe under thl. Note. My monthly p.yment.1I win be applied to inl.ereat befote principal. If on
Aup,us[: 1 . 2015.1 :ltillowe amountll underthla Note.. will pay thole amouhla lnfull Qhthliltdate, which
i. caUed tho "maturit.y dete,"
1 will make my monthly payment. at 101 South Goorgo Stroot, P. O. Do:r: M-68, York, PA 17405, or &t a different place if
required. by the Note Holder.
(0) Amount of 1\Iy InUlal Monthly Paymenta
My initial mont.hly paymentll will be in tho amount of U.S. 1 373.67 . ThI. amount. may chane. to
reneet change. in the lntereat rete tbatl mUlIt pi)'. The Noto Holder will determine my monthly payment. In accordance with Sec-
UOD 4i of UJI l;ole.
4. INTEIlEST RATE ANIl MONTHl.Y I'AYMENT CHANGES
(Ar Chanlle Oal"
The inltlre!it rate 1 wiU pay mllY change Clh the (irst day of Au~u st 1 19~ and on that day of
th. month Ivery t Wl~ 1 V(' (12) month. thereafter. Eoch date on which my inwre.t rau could chani" i. cal1&d an hat.ere.t
Cha:n.f. Da....
My monthly parm.ent. may chans, on the nut day af 5eptf>llLhpr 1 _ 19~ and on that. day cf tbe
mClnlh ~~et')' twt> 1 Vf~ (111 month. thereafler. Each date on which my monthly payment co."ld change i. c.alled.. Flyment
eh'fire Oate.
(in The Inde.
H,coQ'inninll wilh the firet Changf! nat.t.', myinterefllrate will be hued on an "lndu."The.Jnan: latbe "Contract InLtort'llt
Ratl!. Plm:hue or Previou.ly OcC'upiNi 1Iomt'l, Natioh81 A\'tt8Ke f"r aU Major Typu of t~ndera" publi.hed by the }o..deral
Uomal.A)an Bank llo.rd. Th. mOilt ttIoCf'ntlndu (iiure available.. of 4.5day. befora,aeh Chanr. n.... ia caUed the "ell"""nt
Jnd........
If thelndn i. nO longer nailable, Lh. No~ Bolder will choo&e ante... inde:r: which II baaed upon coitlparablllnfonnat.ion.
The Not.e Bolder ..m a1,'e me hatke of it. chole". . "
lC). ('.'t"ut.H(m.Qtrh"pJl.~!f! -. '
Udorl! uch Chanllel)lIlle. t.he Note 1IlIIder will calculate my nt'w inlt-tt'1l rate by addinr - ~o M,lrl~ 1 n
l*rcC-tlt&tICe poinu (')() 'JL) lc thf' Currentlndn.1'ul .um will be my new intert!lll r.te. My inlt're,t rate ",111 not
bte ellatlred by more than . 1 \.. ptrcent.alitt' puint. on any ehaneco nalA!. My intet1!cl TaLe will nol be chana:N! by
more than 4 pt'rt:t"nWKe petinl. ovt'r tht' life of my lo.n.
1'be Note Holder will thflP dt"t<<mine the amount of the monthly paymflnt th.t. would lNl.uffident to r...p.y in fuU the
Jwindpa1lam npect.ed to ow. ollth. Ct'.ani' nale in .ub.t.ant.i.Uy equal parro.mL. by the maturity date aL my new interelll raLe,
Tlull"'IO~IL of thi. ca.lCl,l.latioh ..ill be the hr'" ammmt of my monthly p.)'Dlt'lOt.
(I)) .:(h"("tl...~ nate vf Chanli:t1I '
My hr. inLent.t r.... ",.iU oo.:.oml t'UocU\'e on ..,ch Ch.nge UaU!. I ..ill p.y lb. amount of my heW month1y p.ymenL
lwlt.-innin, on thl r,rat monthly pt;ymrnt d.le aft",r the Change Date until the ..mount of my monthly paym~nl C~langtla 'Kain,
(t:l Nod("~ of ChUlQ'f'I
TI" N"le Hold.. wid m.n or dtJh'll'!" to mf' . not.ice l~for. Il&rh r.rment. Ch.nce D.r... The notice w;U .dvi.. m. of:
111 tb. new b~l<<...t uU on my Joan "I (lIth. Chanp U.te;
liil tile amount of DIY hew monLhly p.)'mentlollowing the Change Date;
hill any additional MaUNa .'Neh lh, Note llold6t il roq:u.ired to Qisdo.e: and
1M lhe tide and lelr.phon. numLer of . (W"~(ln who ..iU InllWIlI' "'bY que.tioD I ma)' tlaVI! reeardinj' I.he hotice.
;l.ij S ;
. .' '" .,
\;" 'r ,~ '7:."
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-
<
.
,
5, 1I0RROWF.Il'S IIIGIIT 1 IlEI'A Y
I have the right to m!l.ke payments of principlIlat. any lime before lhry are Qlol!. A payment of principftl ani)' ill known &!III"
"ptf'pll)'menl." Whpn I make 8 prrpa)'mt'nt. I will tell the Nole Holder in wrillnjt that 18m doinjt 80.
I may make. full prf'payment or II partial ptl'plI)'menL without fllI)'ing any flt-nalty. The Note Holder wiU use all of my
prepll)'ml'nU' to rroue!! the amOl,ml of principnl that. I owe under this Note. 11 J makflll partial prf'pll)'mrnl. tONe will be no dela)'1I
in the due dlltflll of my mor.thly payments unle!!l!lJ the Note Holder 8RTM!S in wrltlnJ;to lho!!ll! delay", M)' psrlilll ptt'ps)'mf'nt will
i-...tlUCtl the amounl of my monthly pll)'mf'ol!l on the rit!lt Paymrnt Chlllljtl! Date following In)' pattitll ptr(UI)'ml'llt. lIowf'\.{'t, 1m)'
rooucticn due to my partial prt'payment may be 0((8et by an intllrr.!It rate lnert'alle,
G, I.OAN CIIAIlG~;S
If a law which applin to thi!lloan and which !lets muimum 101m eharKf'!l is rinally interprt>Led 1'10 that thl~ int.f'rf'st or othl'f
loon chnrRe~ collrctro or to be collected in co""('Clion with thi, loan ....ct'OO. the petmlltro limit!!, th('n: iii any !Iuch loan charRI! lIhnll
Ill' reducrd by the ftmount nflCf!!Il1aty to reduce the charge 10 the petmiHI'd limit: and Uilony !Iums 8Ir~8d)' eolll'(tNl from mt' which
C"Cl'e\1N pf,rmittOO limits will be rdundt'd to me, The Note Holder mal' choost' to mllke thl!! r('fund by rrduc~nR Ih!' principlII row,.
undtor thin Note or by makinK ,. dirN't payment to me, If . rC!und rNiue('!1 principal, the rf'duclion will be tr('atN AS ft pllrthd
prf'pll}'mf'nl,
7, 1I0111l0\n:R'S FAIl.llIlt: TO I'A Y AS IlEQUlltED
(A) t~8te (;hllrJlc for Ovrrdue l'Il)'mCnlll
II thfl Notll 1I0ldflr ha, not tf'Ct'ived the lull amount of any 01 my monthly payml'nla hy tht! ('nd of 16 C'8lend"r dftysaftt'r
the dalfl It il du~. 1 will pay alalfl charKe to the Note lIoldc>r, The amount ofthuhlrge will be 5% of myo\'l1rdul'l pft)'ment of prln.
clpaland Inter."t, I will pay this late chargo promptly but, only once on any late paym!n~,
(0) n~rnult
If I do not pay the full r.mounl of each monthly payment on tho dalfl it II dul', I will be In d('fault..
(C) Notl('c or Default
.If i am In ddault, t.ha Nolfl Hold..t may send mo a wrlt.ten notice lflWng me that if 1 do not p.y the OVf!tdU8 amount by a
certain date the Nolfl Holder may require me to pay Immediately the full.mount of principal whkh hili not bfw.e.n paid and aU the In.
lflrt!lt that I owe on that amount, That date must be at least 30 daye after th., dat.flon .,'hlch the notice fl maned ordpUnrNl to me.
(U) No W8h'er by Note Holder
f;ven if. at a time .....hich I am ill delault. the Note Holder does not require me to pay immediauly in fuU 8S described
abovp, the Not.e Holder will !Ilill have tho ri,;ht to do 80 if I am in default at a IlIln time.
(I':) Payment or Note Jlolrl('r'" COlltlll nnd I-:X[K'hHell
H th13 Note lIoldf'r hili .'('qulrl'd me Lo pay lmml'dlalely in full as described sbove. th~ Notl! lIolder will hsve the right to
be psld bbck by me for aU Its reuonahlf! costs and expenae!l t.o the extent not prohibit.ed by applic.ablt' law. Thoee npenllea may
include. for f'umple. rf'8!I0nable attorneys' ft~~,
8, GI\'IN(l ot' NOTICE.';
UnlCfI' appUcablt! law rf!quiru a diU('f('nt method, any notice that mUlt, be given to me under this Note will be givr.n by mail.
Ing it by fir~t Chilli mail orby dpli\'eting it to mil at the Property Addrpell above Ot 8t 0 diflt'rent eddrellllf I give the Note Holdt'r.
notice or my dHft"ttnt addrr.81,
Any noliC'e t.hat mUllt be gi\'t"n to the note Hold('r under this Nolfl will be gi\'...n by Mailing it by firet dus mail to the Note
Holder at the addr1'1l11 atatoo in St.C't.inn 3lAI abil\'f! or at tl diffC'tt'nt addte!lsl( I am giv~n a noUce or that different eddresl,
0, OIlLIGA TIONS 0.. I'EIlSONS llNIlEll TillS NOn:
If more than one pf'r~on ~1R1'8lhi!l Notl', each pf'r8on ill Cully and pr.rsonally (lbHgalt'd to kN"p aU of the promlllf!'1 made In thll
Not., Including Lhe promiet! to pay the full amount owed. Any ll(lreon who i8 a guarantor. eurpty, or endofller of tM, Note t. alllo
obllgatOO. to do thlllle thlrlgl, Any pf'rllOn who takes o\'pr thelie obUgaliobl', including the obligatlona or a guarantor. auftlty, or en.
dor~('r of lhll Nole, il .180 ohligal...d to k('rp "II or th~ promlMcl m"de in (hili Nott!, The Note Holdt'r may .nrorce It II right.1 under
lh!1 No~ agaln.t I'ach 1I1':'lIon individually llt aRoiRfll aU of \.Ill tcIt{f,"Ithcr. Thll mC"anllthat anyone of UI may benqulnod to pay .Uof
the amounts owt"d und('t thJI Nut.\!'.
10, W A lI'EllS
I and any othf't (If'ulOn \loho lut~ uhligatlon!l undl'r thill Note .'ah'e the 'rights of pl'f'~entm('nt and notiC'e of dishonor.
"I'no!l('ntment" mllanl Ihe rig:ht (0 H'tllllt(' tho Nolt' Uoldl'r to dflmand paymt'ntof amounlll dUll. "Notice of dlJhonor" mt'aftll the
right w mquire the No~ Holt1r:r lo /{lH' notlre to olht!t pr.t!lon' that amount. dUE! have not bt'f'npald,
11. TillS NOTE SECUREllll\' "~EClJllITY INSTRUMENT
In addition to thfl (l1'tIlf'dloM Ki\'l'n 10 thl!! Note Iloldt"r under thill No~. a MortltftRfI, DHd of Tnllltor DHd to SKurl Df!bt
{lh. "8tlcurily lnatrument'" with an Adjufttable natll Rider. dllud the lame day 81 tb.i! Not@.proudltheNote!folderfmmpoul.
hlflo."". which might ttJault If I do not kN'p ~e promIIPI which t make In this Note. That8f-curity.lnltrumf'Dt and Rlderd",crlbe
how and under tit hit condition I I Illay 1)(' r('qulrf'd tn make imml'diate pa)'ment In full of all amount. that. 1 ow. under thl. NOUl,
SvI1',ti -ur U...t.6 (ur..i:t,;"r,l ..6 t.N.Uit'N ... roilo1'l..
"Tra"'{t'r(l{rh, Pmptrty orG nl'nt'fidoJlln't'rtlt in Borro.IJ'f'r. If aU or lny part or the Property or an in~fIl.tthert'l1b lllIOld or
tran.fflt1"ed (or if "a bt'nerleiailnt.t'x..ltt. in Borrower ill "old or tranl'errt'd. and DOtTo""('r il pot. natureJ ptltlonl without Lendeor',
prior written conM'nt.lA'ndl!lr mal'. lit J..,('ndflt'l option, df'Clar. all thfl fluml MCurf'd by thll!! s..curity hlltrument to be bnmfldlately
due and payable, lIo.'f\'II!t. tN' oplion 1111111 not be PIf'rci~ by lA>ndN' if furcl,", il not authoriu'd by Ff'dna11aw,
"If lAnd~r ..preief" IIuch option to aC'C'f'If'ratp..I,A'ndl':r ,han mail DotT01I'N' nollrt of accp.horaticn in accMd..nce with raragn,ph
14 ht'1l'tlOf, Su/:h notic.. ahan pro\'id~ a 4~'riod or hot 11'8S t.han 30 da)'1 from the det,(o the noUct' il m...uf'rl within _Wch Borro.'f'r mllY
pay th" lums dK'la~ dUfl. If DOfTOw.., rail. to pay Buth aurnB prior to the expiration or f11Jch Pf'I'iod, Lrndl'lf may. ",itbout furtber
notkf or d~mand on nm1"owflr.ln\'olu! any tt'med.if's pl"nniUf'd by (lataRT.ph 18 hf'l1d,
"Nntwit..hBlandllll a ...1.. or Uanr.[(,f, nOrT()1\'f'r .'W ("ontinue to bIl ohLl&aWundl't the NoLfl and lhil ~urity Ihfllnltnt"Dt
\lnl('". l....nder haa tf'lf'lallC'd H(WT(l1\'f"r in _Titing,"
\\'llnt'M thr h.ndllll) and thf" aral(tI) (If the undf'f'tIll.cnf'd.
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Dale: October 5, 1998
JAMES C HARTZELL
1~~ BRICK CHURCH ROAD
NEWVILLE i'A In~ 1-9~2S
Ik Mongage Accollnt No, 11-160029951
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear JAMES C HARTZELL:
11te Mongage held by York Federal Savings and Loan Association (h'ereinafter "we, us, or Ollrs") on YOllr property located at RR ~
NEWVILLE P"\ 17241-9804, IS IN SERIOUS DEFAULT because you have not made the month Iv pavments 01'$383,3 for the
months of AlI~ust 1998 Ihrll OClober 1998, Late charges have also accrued to lhis dale in the amount of $30,29. 111e total amount now
required to cure this default, or in other words, get caught lip in YOllr payments, as of the date of this let!er, is $1166.41.
Yoll may cure this delimit within TfHRTY (30) DA YS of the date of this lener. by paving to us the above amount of $1166,~1 plus
any additional monthly ~ents and late charge which mav fail due during this period, Such payment must be made either by cash,
cashier's check, certified check or money order, and made at to I South George Street, 1',0, Box I 5068, York, Pennsylvania, 17~05. 7068,
to the attention of the collections department.
If you do not Cure the default within THIRTY DAYS, we intend to exercise our right to accelerate the mongage payments. 111;S
means Ulat, whatever is owing on the original amount borrowed will be considered due immediately, and you may lose the chance to pay
off Ute original mongage in monthly installments, If full payment of the amount of default is not made within THIRTY (30) DA YS, ~
also intend to instruct our attomevs to start a lawsuit to foreclose vour mottgaged propertY, If the mongage is foreclosed vour mortgaged
propertY will be sold bv the Sheriff to pav olfthe mottgage debt, If we refer )'our case to our attorneys, but you cure the delault before
they begin legal proceedings against you, you will still have to pay the reasonable anorney's fees actually incurred, up to $50,00,
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50,00,
Any attorney's fees will be added to whatever you owe us, which may also include ollr reasonable costs, Ifvou cure the default within the
thirtv day period, vall will not be required to pav attornev's fees,
We lTlay also sue ~'ou per>oually for the unpaid principal balance and all other sums due under the mortgage, If you have not cured
the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the
sale at anv time up to one hour before the Sheriff's foreclosure sale. You may do so bv paying the total amount of the unpaid monthly
pavrnents plus anv late or other chmes lhen due as well as the reasonable anomev's fees and costs connected with the foreclosure sale
and per10rm anv other requirements under the mortga.e, It is estimated that the earliest date that such a Sheriff's sale could be held would
, be approximately six months 1T0m Ihe date of this notice, A notice of the date of the Sheriff's sale will be sent to you before Ihe sale, Of
course, the amount needed to cure the default will increase the longer you wait. You may find OUI at any time exactly what Ihe required
pa~ment will be by calling us at the following nllmber: (717) 846-8777. This payment must be in cash, cashier's check, certitied check or
money order and made p.yable to us at the address stated above.' ,
You should realize that a Sheriff's sale will end your ownership of lhe mortgaged property and your right 10 remain in it. If you
continue to live in Ule property after the Sheriffs sale, a lawsuit could be staned to evict you,
You have additional rights to help protect your interest in the property, You have the right to .ellthe property to obtain money to
pal' orf the mortgage debt, or to borrow monel' rrom another lending Institution to payoff this debt, You may ha,'. the right 10
sell or transrer th. pl'op.rty sulljeet to Ih. mortgage 10 a buyer or transreree who will assume the mortgage debt, provlde~ that all "
the outstauding payments. charges .nd attorney's fees and costs are paid prior to or al the sale, and that the other reqmrements
,under the mortgage are satisOed. Contaet us to determine under what circum,tances Ihis right mighl e.ist. You have the right 10
ha,'e this deraull eur.d by any IIllrd party acting on YOllr h.halr.
If vou cure the default, the mottea.e will be restored to the same position as if no defauh had occurred, 1I0wever, you ore' not
entitled to this nght to cure your default more than three Urnes m any calendar year.
. ' C~I1111ell Al1ltf~ NlImber , '
P 976 2J.b b77
Sincerely,
0..<._ ,- C'_,
,
; '::':, SE,NOtIlS RECORD :" ':
O;;den F, DICkmon
('()tlC'ctton PcpJnmenr f\tanJ~cr
CERTIFIED ~lAII. - HI' 976:16077
!telum Receipt Ileque'led
"Address CM'fC'ction Heqtle~.tcJ"
)r~:ral
DOlo: October 5, 1')98
JAivlES C HARTZELL
RR4
NEWVILLE PA 172-11-981l4
Re; ~tong:Jg~ ;-\\:COUI1I No. #.1 6()ll2lJ95 I
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Doar JAMES C HARTZELL:
The Mongage held by York Federal Savings and Loan Association (hereinaller "we, os, or Ollrs") on YOllr propeny lo~ated at RR 4
NEWVILLE I'A 17241-981l4, IS IN SERIOUS DEFAULT becallse vou have not made Ihe month Iv pavments of$383.3 for tbe
months of August 1998 Ihru Oetnber 1998, Late charges have also aecmed Ul this date in the amount ofS30,!9. The total amount now
required to cure this default, or in Olher words, get caught up in YOllr payments, as oflhe date of this letter, is $1166"U.
Vou may cure this default witilin THIRTY (31l) DAYS of the date of this letter, by paving to liS the above amount of $1166.41 plus
any additional month Iv payments and late charge which mav lall due during this period, Such payment must be made either by eash,
cashie~s check, certitied check or money order, and made at 101 South George Street, 1',0, Box 15068, York, Pennsylvania, 17405'7068,
to the a!tention of the collections department.
, If you do not cllre the default within THIRTY DAYS, we intend to exercise our right to accelerate Ihe man gage pavments. TIt is
means that, whatever is owing on the original amount borrowed will be considered due immediately, and you may lose the chance to pay
offlheoriginal mortgage in monthly installments. Iff1l11 payment of the amount of default is not made within THIRTY (30) DAYS, ~
also intend to instrUct our attomevs to start a lawsuit to foreclose your mortgaged propel1V. Iflhe mortgage is foreclosed your mortgaged
propeny will be sold hy the Sheriff to pav olf the moneage debt. If we refer your case to our attorneys, but you cure the default before
they hegin legal proceedings against you, you will still have to pay the reasonable allorney's fees aCNally incurred, up to 550.00,
However, if legal proceedings are started against you, you will have to pay the reasonable anorney's fees even if they are over $50,00,
Any anomey's t'ces will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the
thiny day period. you will not be required to pav attomev'S fees, '
We may also slle you personally for the unpaid principal balance and all other sums due under the man gage, If you have not cured
the default within the tlliny day period and foreclosure proceedings have begun, vou still have the right to cure the default and prevent the
sale at any time up to one hour before the Sheriffs foreclosure sale, You mav do so by paying the total amount of the unpaid monthly
payments plus anv late or other chames then due as well as the leasonable anornev's fees and costs connected with the foreclosure sale
and per/ann anv other requirements under the mortgage, It is estimated that the earliest date that sueh a Sherifrs sale could be held would
be approximately six months from the date of this notice. A notice of tlle date of the Shenft's sale will be sent to you before the sale, Of
course, the amount needed to cure tlle default will increase the longer you wait, You may find out at any time exactly what the required
payment will be by calling uS at the following nuntber: (7.17) S~6-8777, TI1is payment must be in cash, cashier's check, cenified check or ,
money order and made payable to us 3tthe address stated above,
You should realize that a Sherifrs sale will end your ownership of the mongaged propeny and your right to remain in it, If you
continue 10 live in the propeny aller the Sheriffs sale, a lawsuit eould be stoned to evict >'ou,
You have additional rights to help prolect YOllr interest in the propeny, You have the right to sell theproperty to obtain money to
payoff the mortgage debt, or to borrow money from .nother lending instituliou to payoff this debt. You may have the right to
sell or transfer the property subject 10 the mortgage to a buyer or transferee who will 3Ssume the mortgage debt, provided that all
the outst.nding payments, charge. and attorney's fees and costs are paid prior to or at the sale, and that the other requirements
under the mortgage are salis lied. Conlact tiS to determine under what circumstances this right might exist. You have the right to
h..'e this default cured by any third party actine on >'our hchalf, '
If vou cure the default, the moneaee will be restored to the same position 3S if no default had occuned, However, you are not
entitled lOthis right to cure your del~ull more than three tm,es in any calendar ye",
.~... Clitlllleil1ltlicle'tlumber ~~':.
P97b2:Lbb78
Since-rely,
O.L.....CL,
.", -'-
,~~',_~SENDERS Rt~lI~~ " ,",~:
O~d'n F. Dickerson
Cull~,tion DCP:lI"ll1ll.:nt f\l~\TlJg'Cr
CERTIFiED ~I'\II.. riP 970: Itl<,n
Return Receipt Re~llcsled
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,IN THE COURT OF COMMON PLEAS OFCUMBERLAND COUNTY,PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No, 98-6974-Civil
vs,
JAMES C. HARTZELL
JODY A, HARTZELL
Defendants
Action in Mortgage Foreclosure
. . , '
.~. :,~.'~'"'fC"~,-.,~'~'. ~'_~;'.,: -','..'\":", ~>.'>I::-_,>l,:"'J;.-:"."',..".,,.....,,:> .~/q.,;,..,.,:. '\ ,'.,"': ". ",:'~ "j".' ,_ .\...., \'."':' ",
ALL that land or parcel of land situate in Upper Frankford Township, Cumberland
County, Pennsylvania, bounded and described as follows, to wit:
BEGINNING at a stone in the center oUhe public road leading to the Brick Church and
a corner of land formerly of Harry Hoover, now of James Shetron; thence by the same
South 67 degrees West 19 perches to a stone; thence by lands of Aseph Wright Estate,
North 37-1/2 degrees West 28.8 perches to a stone; thence by the same North 67
degrees East 26,8 perches to a stone in the aforesaid public road leading from
Gillespie's School House to the Brick Church; thence by said Road and lands formerly
of Fred Sollenberger, now of George Wickard, South 21-1/2 degrees East 28 perches
to the place of Beginning, Containing four (4) Acres strict measure,
BEING the same premises which James C, Hartzell, by his Deed dated November 22,
1996, and recorded on November 25, 1996, in the Office of the Recorder of Deeds in
and for Cumberland County, Pennsylvania, in Deed Book 149, Page 578, granted and
conveyed unto James C, Hartzell and Jody A. Hartzell, the Defendants herein,
BEING designated as Tax I.D, #43-06-0031-002,
SEIZED IN EXECUTION as the property of James C. Hartzell and Jody A, Hartzell, as
Judgment No, 98-6974-Civil.
Property is a two-story, single family home.
NOTICE is further given to all parties in interest and claimants. A proposed schedule of
distribution of the proceeds of the above sale will be filed by the Sheriff of Cumberland
County, Pennsylvania on July 9, 1999, and that distribution of said proceeds will be
made in accordance with said proposed schedule of distribution unless exceptions are
filed thereto within ten (10) days thereafter,
EXHIBIT A
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Affidavit under PA RCP 3129,1 - Page 2
3. Name and address of every judgment creditor whose judgment is a record
lien on the real property to be sold:
Name
Address (if address cannot be reasonably
ascertained, please do indicate)
N/A
4.
Name and address of the last recorded holder of every mortgage of Record:
Name
Address (if address cannot be reasonably
ascertained, please do indicatt;ti
York Federal Savings
and Loan Association
101 S. George Street, P,O. Box 15068
York, PA 17405
Green Tree Consumer
Discount Company
3401 Hartzdale Drive
Suite 132
Camp Hill PA 17011
5,
property:
Name and address of every other person who has any record lien on their
Name
Address (if address cannot be reasonably
ascertained. please do indicate)
N/A
6, Name and address of every other person who has any record interest in the
property and whose interest may be affected by the sale:
Name
,Address (if addres:s cannot be reasonably
ascertained, please do indicate)
Cumberland County
Tax Claim Bureau
Cumberland County Court House
South Hanover & High Streets
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has
knowledge who has any interest in the property which may be affected by the sale:
Name
Address (if address cannot be reasonably
ascertained. please do indicate)
N/A
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u~ POSTAL SERVIC' CERTIFICATE OF MAILING
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAil. OOES NOT
PROVIDE FOA IN ~~ClegOa~rc
Received From' .
York Federal Saymgs & Loan Assn.
lG1 S. Cmge Stred
II 0 BOI 15068
York PA 17405 ~O '
o~ pie>;e of ordinlrr mlil addrlssed to: ,t::.,.,
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AIII.loe helo in "l.smps
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post malk. Inquire of
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fee.
PS Form 3817, Mar, 1989
U,S, POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOr
PROVIDE FOR 1NS1RANCE-POSTMASTEA
Roc.'''' "om, un; Legal Ikpt.
Vorl Federal SaYings & Loan Assn.
10\ S. Georve ~treet -
P. O. BGx-I5e68
Alii", fee heteln ,tllmpl
or meter postage and
post mark, Inquire of
postmalter tor current
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PS Fo,m 3017. Mor, 1989
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Affidavit under PA RCP 3129.1 .. Page 3
I verify that the statements made in this affidavit are true and correct to the best of
my personal knowledge' or information and belief. I understand that false statements
herein are made subject to the penalties of 18 PA C.S. Sec. 4904 relating to unsworn
falsification to authorities.
Date: ;t./, / 'i 'j
BOOj}!#:r;2&
Attorney for Plaintiff
1.0, No. 72030
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3. A petition or petitions raising the legal issues or rights mentioned in the
preceding paragraphs must be presented to the. Court of Common Pleas of
Cumberland County at one of the Court's regularly scheduled Business Court sessions.
The petition must be served on the attorney for the creditor or on the creditor at least
two business days before presentation to the Court and a proposed order or rule must
be attached to the petition. If a specific return date is desired, such date must be
obtained from the County Commissioner, Cumberland County Courthouse, South
Hanover and High Streets, Carlisle, Pennsylvania 17013. before presentation of the
petition to the Court.
J'k-!)L
Benjamin F. Riggs. Jr.
Attorney for the Plaintiff
(1.0. #72030)
Oated: ;:; l,,'-'Lu'u s' . 1999
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IN THE COURT OF COMMON PLEAS OF CUMBERLANO COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
ANO LOAN ASSOCIATION
Plaintiff
No. 98-6974-Civil
vs.
JAMES C. HARTZELL
. JOOY A. HARTZELL
Defendants
Action in Mortgage Foreclosure
ALL that land or parcel of land situate in Upper Frankford Township, Cumberland
County, Pennsylvania, bounded and described as follows, to wit:
BEGINNING at a stone in the center of the public road leading to the Brick Church and
a corner of land formerly of Harry Hoover, now of James Shetron; thence by the same
South 67 degrees West 19 perches to a stone; thence by lands of Aseph Wright Estate,
North 37-1/2 degrees West 28.8 perches to a stone; thence by the same North 67
degrees East 26.8 perches to a stone in the aforesaid public road leading from
Gillespie's School House to the Brick Church; thence by said Road and lands formerly
of Fred Sollenberger, now of George Wickard, South 21-1/2 degrees East 28 perches
to the place of Beginning. Containing four (4) Acres strict measure.
BEING the same premises which James C. Hartzell, by his Oeed dated November 22,
1996, and recorded on November 25, 1996, in the Office of the Recorder of Oeeds in
and for Cumberland County, Pennsylvania, in Oeed Book 149, Page 578, granted and
conveyed unto James C. Hartzell and Jody A. Hartzell, the Oefendants herein.
BEING designated as Tax 1.0. #43-06-0031-002.
SEIZEO IN EXECUTION as the property of James C. Hartzell and Jody A. Hartzell, as
Judgment No. 98-6974-Civil. .
Property is a two-story, single family home.
NOTICE is further given to all parties in interest and claimants. A proposed schedule of
distribution of the proceeds of the above sale will be filed by the Sheriff of Cumberland
County, Pennsylvania on July 9, 1999, and that distribution of said proceeds will be
. made in accordance with said proposed schedule of distribution unless exceptions are
filed thereto within ten (10) days thereafter.
EXHLBIT A
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WRIT OF EXECUTION and/or ATrACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF
ClUl1berland
NO. 98-6974 CIVllJOO Term,
CIVIL ACTION. LAW
COUNTY:
To satisfy the debt, inlerest and costs due -York Federal Savings and [Dan I\ssociation
PLAINTIFF(S)
DEFENDANT(S)
(1) You are directed 10 levy upon the property of the defendant(s) and 10 sell please see legal description
(2) You are also directed to attach the property 01 the defendant(s) not levied upon in the possession of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued: (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account ot the detendant(s) and from delivering any property of the detendant(s) or otherwise disposing
thereof;
(3) tt property of the defendant(s) not levied upon an subject to attachment is found in Ihe possession of anyone other
than a named garnishee, you are directed to notify him/herthat he/she has been added as agarnishee and is enjoined as above,
stated.
Amount Due $38,418.24
r
f!
** with interest from 6/10/99 at such rate or ratest
as established by Plai.ntiffpursuant to the terms
'Or the Adju:,Ld)l~uLt:, l.uut:IILly $'T;iTi08 per
.diem, late char.9S"s fran 6/10/99 at 5% of the ,
monthly payment amount, currently $15.47 per month, .
escrow cllarges frOll 6/10/99 currently $73.88 per
1110ntl1, attyrs[ees, costs ot SU1.t ana otller-charge
collectible under the Mortgage: and for any and .111
other relief as the Court deems appropriate.
LL $ . 50
Due Prothy
$1.00
from James C. Ilart~ell and Jcx:ly A. Hartzell
Interest ,~lease see below
Ally's Comm.
Ally Paid $114.82
Plaintiff Paid
%
Curtis H. I~.!l9
Protluntary, Ci"iJ. Divisinl
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Date: February 16, 1~,)9.._.____
REOUESTING PARTY:
Name BenjiJ1llin F. Hiq'3~_~G-,.X:~fJ,...._._._...
Address: .....101 s. c'porqe Street ,.J\ox..l.2.0i,.!L
...YQrk , PA.1 '14 or,-.7Qr,R_._..___..__
Morney for: P1ainti ff
Tetephone: 717.846-8777 ....___..__
Supreme Court fD No. __,,72030 ___.
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UNIH)RM CO\'t:NA~lS' ll\lrrnlA.'er and Lemlcr c\\\,cn;lIIt aud ;l~ICe:l\ follow,:
I. Jlaymcnlll( I'rindpal ;and Inlt'rC~!eI; I'rt'piI)'mt'1l1 "lid l.alC Churi:cs, llllfrOwl'r ,twll prllnlptly pay wh\'u due
Ihe prill~ipalllfal\ll inlen:,lull tin: a.lehl nidem:t'tJ hy the Nllle alld all)' pn:paymcllt alld Iale cllarge\ Ilue under Ihe ~'IIlC
2. funlls (IIr 'I'~U;C\i aroll In!eurcnCl'. Suhjn'lln ;Ipplil:;lhle law Ilr It) a "Hillen wam:r by Lellder, Hnrnll\'ct ..hall f1il~'
tn Lender 1IIIIIIe day nUllIlhly pa)'l1h'lll~ arc Ilul:' ullder the Nole, 1IIIIIIIIIe Nnlc: j, paid ill full.." \I1111I"Fuud\") equal III
11IlC.I"'c1f1h llf: (a) )'1.'0111)' ta~e~ and :J"C..\lllcnl\ .....hkh may ..Haill prillllly o\'cr lh" SCI'Unl)' In\ll'll111elll; (hI yearly
h:;l\cl\ll111 pa)'IIICnh or l~rnull,1 lenl\ UII the I'wperl)'. if allYi (d YC:lIl)" h.ll.ud imUI;llh.'e prl.'Jl1iullI"; ;md (iii ~\'arl~
llIortgJgc i1"uranl'e rrt'llliulTl', if ;!II)" lhl'\l'ill'm\ an:: !Called "CM:IUW ilelll\," I.cllJcr lIIay l'"illlalc I hI;' Flllld\ due lllllhc
basis uf currelll data ami rcas(lIlabk eSlimal"\ Ilffulllle c'crn..... ilellls
Till: I"UllI1\ shall hehc!llill all imtillllinlllhl;' (kpII\,il!l.IW accIIUlllsof"hi.:l1 arc jllsur~d Ilrgu:lIiIUIL'~'d h)' ;lli.'dl'"L1 'II
~la'lc agellc)' (induding Lender if 1.~IlJel is !l.uch a~l il\!l.lllUtlOll). Ll;'llJer ,hall apply 111..: Flllld\ 10 P,I)' 1111: C\Cl'IlW Ill.'IUS
I.cnJu ma)' nlll charge for flolding anJ urplyillg the Funds, allal)'1il1& Ihe accounl or \'CI if)'ing IIII;' C~CI'll\\' ilcrm, 11111c,\
l.ender ('Il1)'~ lhlrrower inlere10t on the fUlld~ and applicable law permils Lender 10 ma\.:e s\l~h a Chjlf~C. lIorlOwcr and
I.ender may agrce: in wriling Ihal il\lere'!l.1 !l.hull be pilid on the Fund,. Unbs all agreemcnt i!l. made Ilr appiil'ablc lil\\'
rl'quire:s inll:rcst to be raiJ, Lender !ohallnol bc required 10 pa)' Bnrrower allY illlCrl'sl ell' carninss nil Ihe Fumh, I.ender
shall gi\'e to Unrrowcr. .....ilhout charp':. all annual aCCtlUnllll;!: of Ihe Funds !.htlwilll~ aedils anJ dehih ltllhe Funds ;Llld lhe
purp..ISe: for which eadl..lebit Wille Fumh w.as maJe. The Funds arc rled~wd:ls aJJilional sl'~unl)' f'lrthe SllIllS s('curcd hy
this SecurilY Imlrument,
Iflhe amounl of the: Fund~ held by Lcnder, togelher with Ihe fu!ure mOlllhly pa)'menls nf Funds p3)'ahle prior hI
the due dl1l~ of Ihe escrow items, shall elceed the amount required to pay the C'iocrow items when duc. the ekCe\\ sh;11l he,
al Borrower's oplion. either promptly repBid 10 Borrower.or credited to Dorrower on monlhly paymenl~ of Funds. If the
amount oflhe Funds held by Lender is not sufficient In pay the escrow items whcm due.norro.....er ~hal1 pay to Lender allY
amount necessary to muke: up (he: Jcfkien,,'y in .olle ur nw(c (lOl)'mCllu':'\!' fL'quiud by V:ndcr.
Upon lillymenl in full of all sums ~eC\lreJ by Ihis SecurllY Instrumenl, l.ender thall promptl)' refund to Borrower
any Funds held by l.ender.lfunder p;l.ragraph 191he rropcrly IS sold or acquired by Lende.,l.cnJer "hall apply, no lalef
than imm~'diatc1y prior to the !;:lle oflhe Properly or ils acquisition by l.endn. an)' Funds held h)' Lemler al Ihe lime nf
applic:ttion as a credit against the sums li>ccured by this Security Imlrument.
3. Application o( Pa)'menl$, Unless lJpplicable law provides DtheN'h;e. all p3ymenls rcc'ci\'cd by Lender under
paragraphs I and:!: :;h811 he :Jl"rlied; fint, 10 lale chargo due unJer the NOle; second. to pl'craymenl ,harges dlle IInder the
Note; third. to amounts pa)'able under pouagl3ph 2; fourth. 10 inlerc!l.t due; and lalil.lo principal dUe:.
4. Chargesj Uens, narrower shall ray all ta~es, as!l.c:s\menIS, charges, fllles and imposilions attributable to the
Property which may allain priOrilY O\'er Ihi~ Security Instrument. :tnd 1casdh1ld paymenlS or ground renlS, if any.
Uorrnwer shall pay thoe obligation~ in the mallller pro\'idell in paragraph:!:. or ifnnl raid in thai manner, nMrowcr~h;llI
PilY lhern un time directly to Ihe pcrMln uwed pa)'menl, Borrower shall promplly furnish to Lender;lll T1otl.:CS of amllunts
to be paid under lhis paragraph, If norrowcr makes thcloe [J:l)'mc:nls direcll)', Borrower lohall promptly furnish to Lender
rcceipts evidencing the payments,
Borrowef li>haU rromptiy dis.charge any lien \\'hich hus rriCJrilY o\'er this Security Im.lrument unless Borrower: (a)
agre...'!> in writing to Ihe payment of tile obligation sC'Curcd by Ihe lien in 11 m;lnner acceptahle 10 lender; (b) conteslS in good
f,Jith the lien by, or defends against enforce:melll of ~he hen .in, leGal proceedings which in the lender's opinion operate to
prevenl the enfllrcemellt of the lien or f.lrfeirure of :Iny part (If lhe: Property; or (c) sccures from the holder of Ihe lien all
agrcclIIClill>JJliloflldnry 10 LClldeouhordinating Ihl;: !it'n to Ihi~ Securily InstrUlllent. If LcnJer del ermines that all)' pari of
the Propcrty is subjecIlo a Iicn which may atlain priority j)\'er this Securily IUlilrumenl. Lender may give Dmro"'cr a
llolice identifying Ihe lien. Borrower ~halllillti!;fy the lien or take one or more (lfthe: .actions ~et f..lrlh ",oove within 10 dll)'s
oCthe giving of notice,
S. Ilnard In,urancC!. D..)rrower ",hall \.:cep Ihe: impro\'ement'/i now e"ili>tinB- or hereafter C'reeled on the I'roperty
insured against los'/i by fire:, hatard~ included wilhin lhe' term "eklendcd co\erase" nnd an)' other hazards for which Lender
requires illliur.ance. This insuranCe loltall be maintained in the amounhi and for the period", lhal Lender requiro. The
inlotJranCe carrier pro\'iding the insurance .hall be: cho~('n by llorrowef ,ubjecr to under''/i .1ppro\al which ",hall not be
unreasonahly wilhheld. .
, All in\urance potido :Jnd rC'newals ..hall he acccpl.abk to l.ender and 50hall include a '/ilandard morlgage dau!'>e,
tcnder ",hall have the right to hold Ihe policie. anci renewahi. If tender rcquite!iO. Borrower lih311 pmmplly give 10 ten..kr
.all receipllii ofl';l.jd premium. anJ reuc:wal:lotkes, In the e\'enl o( 10.1i, nllfrower ",hall gl\'e prom pi nOllce to the insurance
carrier and Lender, Lender may mal;e proof oflos'/i jfnol made promptl)' by IJllrrower.
Unlcu, Lender and Borrower olher\ldloe IIgree in "''filing, imurance I'roceeds shall he applied 10 restoration or re:pa;r
of the I'ropeny damaged, if 1he rClotoration or rep.ir is ecnnomkally fea~ible and Lender'. ~ecurilY i'/i not lessened, If lhe
re>loratinn or repair ilii not economically fea",iblc or t.ender's. ~curity woul..1 be tosened. lhe: in~urAnce proceed. .h&.1I be
arpli..-d 10 IIle sUlr" w:cured by this. Security In.lrument, whclhcr or not then due, \\'ilh any e"ce~'/i paid 10 Ilorrower, If
Borro\\'cr abandon:. the I'roren)', or don not lIns~'er wilhin )0 d3)'li a notice from len~er Ihat the insurance cartier has
olfC'rcd 10 loettle a claim, thcn LelldC'r mat' collect du: im,urance proceeds.l.ender may U\C Ih<,: pmccC'dslo repair or rClotore
the Ilmpnt)' ,lr 10 pay hum" ~ccurcd by lhi~ $t'cutit)' Ill1otrumenl. whether or nutlhen due, The 30.day period will be,in
when Ihe nOlice i~ gi\'en.
UnICli" Lender :md B~lrrowerolhC'rwiloe a,ree in- \\'riting. any application IlfprocC1.'ds (0 rrincipal..h.all nOI e~lend en
ros1pone the due: d:lte o(lhc monlhly p')'menli refcrred 10 t" para~r:lphli 1 ami:!: or ..'hange the amounl cflhe pa)'menl", If
IIIl1kr p;lrilJ;ri1llh 19 lhe 1'r<~fl""1'i ilo lil'lIuiu,.1 11)' 1.I'nI1cr. nill'm....,cr'. fighl (C1 :tll)' il1~llralKe J1ulidl'lo ~lId pw,,:c"ll. rCloultillJ;
frlllli dalll;lCc It) lhc I'wpt'f't)' prim Illlh( al'qulI.ili~lIl .hOiII pa~~ hll.(,Il~lrr 10 the cltelll \l( tile MIIlI!l. ~1:I'U'CJ 11y Ihilo SCi:lll'll)'
In'~lrum('ntlmmcdiald)' prior 10 Ihe Dcquiliilinn.
6, "r('"nullo" and ~taint('n.n('t' "r I'ropl'tl)'. LNllith..ld". Uorrolol.t'f' I.hall nol de",roy, dam:lgl' or louh!olanliall)'
i:h:lIIl~( Ihe 1',.llIal)'. alln\lo' llil" 1';I'I~"I)' 111 tleh',illl;\!t. tlr ,.tlflltllll v.'a~lc, 1!"lhi" S....mil) Imlnl\ll\'1l1 j" ,Ill:l ka"c1hllJ,
Il,)ntlw~~r lohall clllllpl)' Willi the rW\'ll.ilUl. \lfthe Ira\c, alhllfHclf'hlv,'cr .!l.4uir...... ft.c !Ilk hi th~.llhlr'c'n~', Ihe le~~chIlIJ a'IJ
f('(' tilk Ir.hall nOI nll:q~~ unlr:slr. I.l'nder at):f('t'lr.t\lll(( flIel(.fr III wrilillg, '
7. I'rol('('lllln or I.('ndl'f" 'U~hh In tht l'fClJlCrt).; ~lllrt!:lIl:t In.Uflll'iC'(" If nl1f'fll\n'r rails 10 perflnm lhe
1'<I\'!ClIJuh and dt:,cl.ltwnh ~:I\lIto1illC'd III th~1r. SC'I.Ulll)' 1111>1111111\'111, ~lllhcf\''':a kti.l J1I'''''I'l.'.hIlC lhilt ilia)' "i~lIili.-allll)' illl~'("l
I.t'lIlk"1l rtf.hlS III the llmpt'f't)' (lotlrh on a pnlt;t"'t'dlllg ill halllulplq', -pwhalc, f,\r 1:lltll1t'llUlalicln \If.lO cllfnrcc law. "I'
n'J:IIIJliClIl~I, th~'lIl,t:lhlrf llla)' llll and f"l)' f,lI v"hah'\'l"t 11\11('1'1",,,;11)' hi pnlll'~'llh[' \';1111(' \lftlll~ I'mpt:rt)' and Lr.nJer'lo ri!:htll.
"l~ Ihe 1'1C\'1l..n~'. Ltnda'" 3L't\<lm m:l~' mdude papn~ Ml~' MUlI\ ...r,'ul"J h~;t, lil'lI \\hidl ha. fllh\nl)' .)\'cr ItLi~ Secunty
~lhln"lIl'I~I, al'f'I';l.rllll! III ..'1'11I'1, f1~ril\j; H':H'llll;lhk .:I.t\cll 'll'Y'" h~l:lo :alld ..'lllf'JIl~~ (llIille Jlr')IWn~' lillllaLe r('f1airs, A1th,m~h
L:II.k. m:l)'lo:Lc a~.tllm undrr tlm. p.ilr;lF.l;lph 7, L~'lh.ll'r J,K'") III I! haH' 11\ d" loll
All)' allJl\\JIIl"Jl"tml~..1 hy J.I'n.kl un.kr ~Ill\ p:lrafl,lph 7 )11.\11 h(','jll111.' ~J.hllllll,II.h'htllfBllrr"wcrM'.'ur('ll hy tIllS
Sl",'urity lll~lnlllll'nt. t.tllk~\ U.lllllv"l:T allJ l.1'n.kl ;>f"....I\l<'1II.C.( h.lI11~ "ff'oI\llll'lll, llil'\{' am'lUllllo"hall he;l! lllll:r...\t hlml
tlw .10111: lit' dl\hllJ'~..nH'llt ;.II till' S,ll!' folic' ....uJ\h,,11 Il\' pJ\ahk, \lollh IIIIl'H'..I, Upl1l1 n.ltk.... (,,11lI I.clllkr hI BolII,,",'r
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If lClIlli:r required mongase in!our~mcc as a condition of making the loan !ocl.:ured by this Sccmity Inslmmelll,
norfOwcr shall pay 'he premium!. required 10 lI1aimain the insurance in clrcel UI1Ii! such lime as lhe rCljuirel1lclIl for the
ill~urall~'C lerminales in aeellrrl;lllec with IJllfrll\\'e"s allll Lelhler's wrilten a&rc~'mcllt llf apP,lic:.lhlc law.
H. Inlpcclinn. Lelldcr ~Ir lIS ;1!leuI 1Ij;l~' make rcalollllahlc emrles Upllll ;lIuJ illlopeetilllls Ill' the I.mpert,. Lellda
~hall gi\'e IIllrwwcr nnlke MIIlI." 1;11I... nfM prior hI an'iU!l.peClioll specifying rcasollablccau!loe fnr ~hc impcclion.
9. Cundemnation. The procecds of allY :Iward or claim for damages, direct or cOlISequcllli:ll, ill ~'olll1e~.tillll with
any condemnatioll or other takillg of :lUY p;lrt of lhe Ilroperty, or for con\'e~'allce in lieu of cl)llJelllllalitln. arc hereby
a!i.!oigned and ~li;lll be paid 10 LenJcr. ' ' ,
In the event of a 10lal taking of the l.rorerlY, the proceeds lohal\ be applied 10 the sums secureJ by this Security
Imtl"ument,whcther or !lot then due, wilh :my excess paid to norrower, Inlhe event of.a partial laking of the I.mpt=rty,
unle!i.s BorrO\\'cr .!IId lender otherwi!i.e ;lgrec: in writing, the: SIIlUS secured by this Seeurit)'ln~trument shall be reduced hy
the amount t1fthe proceeds muhiplied by the following fraction: (a) the lotal amount of the sums secured immeltlalely
hefore the t~lil1g. divided by (b) th~ fair market \'aluc oflhe Ilroperty immediately before Ihe laking. Any bal3l1CC: shall be
Jlaidto Uorrowcr.
If the 11ropcl't)' is abandoned b)' Dorrowcr, or if, after notice by Lender to Borrower that the condemnor offers 10
m:!ke all award or ~cllle a claim for damages, Borrou.'er fails to respond 10 Lender wilhin 30 days afler the date Ihe nolice is
gi\'ell, lcndcris authorized to collect and aJlply the proceeds; at its oplion. either to re!lotoration or repair of the Propcrt}',or
10 Ihe 5Ull1s~ccured by this Security Illloitrument, whether or not Ihen due.
Unl~s lender and Rorrower otherwise agree in wliting, any applic:!.tion of proceeds to principal shall nol euend or
pmrporll: the due dale (lfthe munellly pllyrneflh rcfeuaJ '0 jfl paragrJ{lIIS 1 and 2 or .::lIange rl.ealOounl of .wh pa}'mcflls.
10. Borrower Not Rcleascdj ForlJearanc,e 0)' Lender Not a Waiver. EAtension llf the time for payment or
modification of amoni!alion of the l.Umi secured by Ihis Security Instrument granted by l.endcr to an)' loLl'CL~~or ill
interest ofnllrrower shall nOI operate to rdC:3se the liabilil)' of Ihe original Dorrower Of Uorrowe:r'1i sUf:cesso~ in interest
Lender Iihall not be required to f:ommence rroceedings against any successor in intero.t or reruse 10 ulend time: for
payment orolherwhe modify amonizalion oflhe sums secureJ by Ihis Security Instrument by rea!>On or any demand made:
h~' the oriGinal norrower or Ilorrowcr'li su(n~!lotl in inlere!.l. Any forbearance by under in ekerci!i.ing allY right or remedy
shall not bea waiverofor prcclud~ the ekcrci!i.c of any rigllt or remedy.
11. Succcnors and As!J~n" Dound. Julnt and Several LlabilitYi Co-signers. TIle co\'enant'i ll.nd agreements of
this S~'curit)'ln!ltrllment \o.hall bind und benefit the lUCCes!>OfS and a!i.signs of Lender and Uonower, subject to the pro\'i"ions
nfparagra{lh 17, norrower's cO\'cnanlll and agreements ~hal1 be joint and sc\'eru1. Any Borrower who co.sign!.this Sccurit)'
111~lrumellt but docs noe ekeCUle Ihe NOle: (a) is ,o'liigning this SecurilY Inslrument ani)' to mortg:!.ge. grant llnd convey
Ihat fMrrOWtr'S inlert!.t in the ~Jrol'eny undcr the terms oflhis Security Instrument; (b) is not per..onally obligated to ('13)'
~he liumli !i.ecured by this SecurilY 1mtrument; 3nd (c) agrees Ihat Lender and an)' other Uorro\\'er may agree 10 eAteru1.
modify, fOlbcar or make an)' accommodati~)lli with regard III the terms of this Securily Inslrumcl\t ~)r lhe Note wilhout
Ihul norrower's con\ent.
12, !.oan ChArges. If the loan secured by this Security Instrument is subject 10 a law which sets muimum loan
chnrges, anlllhal law is tinall)' interpl'Clcd so that the interest or other loan charg~ collected or to be collected in
cOlllleclioll Wilh the loan eAceed the permitted limits, Ihen: (a) an)' such loan charge ..hall be reduced by Ihe amount
Ile~'essil.ry to reduce the t:harge 10 Ihe permitted hmil; and (Il) Dny !lums alread)' collected from Dorrower which ckecel:lcd
permilled limits will be refunded to Borrower. lendC'r may choose to mal.:e this, refund by reducing the principal u.....ed
under the No\eor by making a direct pa)'ment to Borrower.Jfa refund reduces pnncip:ll, the reduction .....111 be treated 8l; a
rarlial rre{l3)'ment withou! any prepa)'melltdlar&t under tile Note,
U, I.tgisladon Affecting l.chder's Rl~hu. If en.actment or cxpiration of upplit;able law5 ha" the effcct of
rendering any provi~i{ln of the Nole or this Securil)' Instrumenl unenforceable according 10 its lenn,. Lendr.r, OIl ih opt inn,
ilia)' require immediale pa)'ment in (u:1 of alll;umli liec:ured by this Security Instrument and may involc allY remedies
pcrmilled by paragraph 19. If Lender eACrcises this (lplion, Lender l;hall tale the steps specified in the ~olld paragraJlh {If
para!;rilph 11, ,
'4, Nlllil"'tS, Any nl.l,i~'t' I.' D..nower pro\'idcd for in this Securil)' hu,trument "hall be liven b)' de1iveling it or by
mailing il by firM clan mail unleliolio applicllble law requira LU,e: of another mClhod, The nOlice ..hall be directed to lhe
I'rarerly Addra\ or any other addrCli\o Borrower dCfoignate1 by nOlice II) Lender. Any nolic'r. to Lender ,,'hall be gi\'en by
fir!i.1 CblioS mail 10 under', addren ...uted herein or any olher addfl~~1i under daignBlcs by notict 10 Dorro.....er. Any natil'e
pm\'ided fur in thili Secur;ly In...lrumenl "hall be deemed to have been th'en (0 llorro.....er or Lender ....,hen gi\'en ....provided
in thilio pmglaph, '
IS. Gonrnlnll: (.aM'; Seurabilit)'. TI.ili S<<urity 11lI.lrument "hall he go\'cmed by federal taw and lhe taw of the
jurisdiclion in which lhe I)roperty ili localed, In the e:vent thai any pro\'i!i.ion or c1aulie of thi~ Security Inliotrument or the
NOle t:onnkls willi Ilpplica.ble lav.:. \ouch conniet "hall nol affect other provilioian" of thi1i SecurilY Inliolrument or Ihe NOTe
.....,hi!:h \.'allhq,;i\'en etreel wilhoullhe confticling r10\'i"ion, To Ihis e~d thqmwisiulIII nflhi" S",,'urilY III!ltrullIt"llland lhe
Note ~rt'l.kd.tred to hr. he\'crahlc:, .,1
16. !larrower'li CoP)'. Ilorro.....cr !lhall be gi\'en one-conformed c.';P)'<lflht Note and I)flhib SeX-Uril)' Jnllolrumeut,
17, Tranlifer 'Or the Pr(lpert)' tlr J UeneficiAI tnlere,,1 in norro1l1','r. If 0111 or 3n)' part of lilt' I-rorcrt), or <lilY
illll'fl'sf in il i~ ~{lIJ tlf 1rOlIll;fCf'rcJ (In If I hf'lIdklnl inlcrelit in BMro,,'er il; ~dJ or tUllliorCfH'J Im,J Ul1frjl.....cr I. .ll.(lt . lIlalUlill
p~'rslJl1l.....illhlUt I.,ndt'r'.; pritlr wtil1tn \'OIlM'nl.l.tnJer may, 31 ih option. requirt' lIIunl:".1ill.lC P3)'tr.t'1I1 ill full o( all ""11m
M'~'~.m.'J hy Ihis S'~llriIY Im.trumcllt, 11\)\\("11:"1'. thili dpllon liollilllll()l be ek('n'I!.cd Il)' Lend"r ,if ().t'n.:i~c n pruhihiled h)'
fClkrall~\I"~lnftheJ",le oft Ill!> SI.'CurilY ImlrUIl\t'nl,
If I,CIIJa CAcrd:oe~ 1hillo ()Pll\lII, l.ellJer "hall ~iv(' I1MfU"'er noticco( .lII\,:cclt:'ratilln, l'h~ Illltil:C "llllil r*HiJe lllli.'rll..s
tl( nl)IIC1>~lhall 301b\i frmn lhe "'..tt tht" 1101 Ice 110 deh,,'ercd ar nlllilcd within ,,'hi~h Uorro~cr mUlIoI pa)' ,11I1 IIum. l;Ccuted by
Ilu" SI'CUrIl)' 111strun;I.'nl, IfHllnl,l\\rrbll. h) pal' thr:.e ,"Unllio f'lritU 10 tht ekpiril1iotl Mlhilio ~nod,I"~T\J"r mil)' il1hllc: all~'
"'llIl.".lw" (lClllllth:,1 hy Ihi"Sc\~\lfll) InlotfllllWIII ....,IIIII)Il( fuflhl~1 nllti.,:t".1f Ikl1l:mJ 1111 nnnw.,f'r,
lH.lIurnn't'r'l; lti~hllU Udnl;talr. If U.lllll,,'cr llWl'IS \.'t'l1alll \,llll,JIli.lll", 11'11'11"''''' :.1,.:111 hlll'( Ihe II~hl '011.;1\1,:'
cllllll~'I'ml'nl'lrtll1~ SCCUIU)' IIlMnlllu'llt .tl\I'jlllIllIUrd ;II ;my timt p..or 10 th(' t:.;;arli~r of. (Il) ~ oj")' (UI 11011. h ~lIh"t peril"".'
;Irp:I~';lhk la\\.' Oluy lopenf)' fllf n'l11~l;JIr~I'nl'nl) Ilf'fom: sale II( the Ilwpcll)' PUn.UlIut W ;U'I) pl....'t'r \i.!tOlle \:llIllaillt'J an thlll
S""\lllly IU\lllll11ClIt;111' ih) {'IIII'} "f .I )1,,1&nwlltl"lll.lt~~ing thi" S<<-u'rll)' IIl1iolrUn!{"flt n..t!oe \:nIlJltIIWI\ '61(' thltl n'"t.)lI..~:f.
(Oil pJrloltuJ,'r illllioU"1\ _hid. 11ll'll wl"-lIJ II(" JIl~ unJt'r 11m. Sn:unl~' Jllliolfumc:nl iil1J the Note lU:lJ tUlllOCl"IC!llli.ln
'~'Ulrl'll; llil dH~" allY {kfault .'11'.0111)' Illhrl ~'ll~CflJ.lIU, ():' aa;In'IIl("nlS; ,() par\. .:all <k(lf:llIol"\ lll;.'utr"J to l:J\(IIIl,"IIlR till"
S,','umy IlI\uUmrlll, lndU.tlll~, hilt nn,ll1ll11,'d Ill, le~~ollahle oIHnrm'~" fC't'lo~ ~nd (Jl tOIl('l; "u~'h ...nmtt 1111 t.cn~tcr m,).
le<l:,l)f!i1hl\' ICljUI1t' In a~"uH.th~t till' 111'1I11( 111110 S(~Cunl)' Illlol:rumcnl. t~nJ~.r'II ntl"" 111 the rf'Ol~f'ty and Hmw\irr'"
{1101l1;dllOll 1\1 ria) till,' SUlllS 1ot',ull...1 b~ 1111110 S..runty Imtrumelll Ioh...lI CoUlunue UtKhilf'ltt'd.Upo.lII frlll!>t"tf'm('l~t bJ
B<lII"II",n, till' 'jrl."lllll)' IllSlnlllil'llllilld Ihe I1h\lt:..1hlll\ M'~'urd !!c!ch)"' ~!\!~1! l~malll rull~' dfe~.tl\c alio If rl(111'':''a'lt-r...llt'!~ h!iJ
. t,,:~'u"rJ 1I\)\\t"\'er,1hi~ nr.ht hll'1"llllttalc ~hal1 \lot arr1t' m ~ht ~~a'II" uf Oi,'(:t'krlllinfi tlnJt~ r;ltA~',H1,ph" 1) 1111 '7
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~' 1 ;York
.' ~ F.~~t~1
__ A..'KlULLAIO"l
101 SOUTIl GEORGE STIlEET
P.O. nox !>I.GS
YORK. PA 17<05
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ADJUSTABLE RATE NOTE
TillS NOTE CONTAINS A PROVISION ALLOWING FOR CIIANGES
IN MY INTEREST RATE. IF MY INTEREST RATE INCREASES, MY
MONTHLY PAYMENTS WILL BE IllGHER. IF MY INTEREST
RATE DECREASES, MY MONTHLY PAYMENTS WILL BE LOWER.
July 30 I'~
RD #4 Newville, Pennsylvania 17241
Ibrri.sbuq~
Pr>nn!iylv.1nI1
Stat.
O'ty
Prop,rty Addr.,.
I. nORROWER'S PROMISE TO PAY
In return for aloe tbat I hay. received, I ptoml..to p.y U.S. . C.O. 850. on (thI. amount I, caUtd "prin.
cipal"). pJU.lnLarlllt. to Lb. order of th. Lender. Th. LclDd.r i. YORK FEDERAL SAVINGS AND LOAN ASSOCIATION. [
undllnland that tb. Lender may tranafer Lhi. NotAl, The Lendllt or &byaee who l&k.. thi. Note by transfer and who it entitled to
receive p.ymeDU under Lhi. Note I, called the "Note Holder,"
2. INTEREST
Inter.lt wiD hi cbarpd on tlllt part of principII which h.. not been paid belPnnlni' on tb, d.tAlo J rtteeh'. priadpal and cant.!.
nui.ni untU th, fuU tmount or principal h.. buD paid.
De(inning Dn th.d.te J receive principal. I will PlY {ntertllt.t. yutl)' ratl or 10,50 %. The tnterelt.rllite that I will
pay wUlchl11S' in accordance with Section" of tW, Note. Thelntereat rate required by thil Sectlon and Section 4 of t.his Note fl the
rite t will PlY both befor. and .fter any de!lult de:lcribed tn Section 7181 of thia Nola.
3. PAYMENTS
(A) Time and Place of Payment.
I will ptly principal .nd inf.erelt by m.kini p.yment. every montb.
I will m.ke my monthly payment. an the tint day of each month bep:innlnr on September t , 19--!L.
1 will make tb'N paymeDt' IVer)' month until 1 hAve paid..u of the principal and inlAN'Nt 'nd any other charg., d..cribed below
that I m"y ow. under W, NotAl. ,My monthly payment' wiD be applied to interest before principal. If on
Au~ust 1 ' 2015 ,I atiU ow. amount, underthi. Note, I wiUpaythcltl.mounta in full on th.tdate, which
il caUfld the "maturity date."
I will ma.k.my monthly paymenu't JOl South Georg. Slrrel, P.O. Do. M-68, York, PA 17405. orllt. di!!eirentplllce it
required by the Nota Hclder.
(U) Amount or My Initial Monthly .".ymenta
My l.nitial monthly plll)'menta waU baln lhe emount of U,S. S 373.67 . Thit amount may chADie to
reflect ch.ni'll in th,lDterlllt rele that I mUlt pay. The Not.. Holder will determine my mont.hly pa)'ment in ,ccotdaJ:l:Cf1 with Sec.
tion .. or thl. Note.
~. INTEREST RATE ANI) MONTlIL Y PAYMENT CIlANGES
(A) ChllDic Date.
The int.ere.t rate I ,,'ill pay may change on th.lirst d.y of Aul.!ust J9_~ and on thlt. day or
the month every t. UP 1 V(' ( 1 2 ) month. therufw. EfCh d,te on which my inureat rate could thanil i. c.tlled an I ntereat.
Chao,. Date.
My monLhly p'rmenl m.y (:hangl on lh. nut d.,. 01 ' S('nt('mbpr 1 . 19...a.L and on tbat. day of t.b.
month ,,very twe 1 ve J 21 montb. thereafter. Eleb dlL.e on which my monthly plyment could cha.nil (. called a Payment
Chang. Olte.
(Il) The index:
Bfainnin. with tha t\ratChonae Dau. my inkrtltrale wilfbe b..l!'d on .rt "Indn.:'Thelnan i. the "Contract Inurut
R.te, Purch.... of PRvioualy Occupied 110m.... Nallon,l Avt't.ft'e foOt ,U Major Typu of I..endtra" pubUahlfld byth. Frder.t
Home Loan Bank !loaM. Th. mOlt recent. hldu fiQ:ure .vallable II or 4.5 da)'a before each Chin,. Oat. ia calltd the "Curnnt
Indu."
If th. iDdn ia DO longer Ivai1abhi, dOl Nol.e Holder wiU choo.. a nllW indn ..hieh II bued upon compa.r.bl.lDlormation.
The Note Holder.uI Kiva m. noun 01 it. choice.
. (q ,J;~!~~A,H~n-2LC;t!-,p.Kf'1 ".. . 50~' I
Bc:fore each Chari.' Date, \he Note Boldt'f will ulc"lltte my new ink-rut ra~ by addina . 1'''' rl! n
prI"Ctnta,e point.l ("'(' 'fl.) to the Cl2rrrnt Index.. The .um will L. my nt'''' inunat rate. My in~rcat fate will noC.
b~ ('h.nKNi by more th.n t 1~ I1f'I"Ct'nllllll ,"oinla on .ny Cbnlte DaU. My inttrtlt r.t.nwill not be ch.nat'd by
n10'" than I. pt'rct'nu" 'lOinUi o\ler the Hfe of my lo.n.
The NOWl HDlder will then determinCl tha amount of the mOllthly paynlMt \hat wow.d be lIuflkiebt to "'P'Y 10 ruU the
princ:ipall.m upocted t.Cl <I.... on tha Ch.n... natAl UJ aub.wtially equal pa)'mflnt. by the lnaLUrity daUl.t my DtrW' inler..!. r.~.
Th.. ruult of tN. alC\/.ltuOll will 1MI the nt'.. amount of my monLhly p.ymf'ot.
(I)) Cl(<<u\'e nall' of Chan.,t'1f '
My heW int..erMt ral.. wlU beoom. ..ffl'Cti\ll .an ...e\!. Ch.llr' L).~, I will p.y Lb. .n\ount 01 my n,w monthly peytnt'nt
brjpnn.in( OD Lb. fiut mont.hJy paymt.-nt data aft", th. Chanp Oat. unt.ilth. amClUnt of my ft:IObthJy plyment changel IgClin.
(E) Notke of Cha.nIN
Tha Not.a Hold. will mail or dlllu\'or t.o nil' noti(". heror. Neb '''.)'mMt Chl;np Dau, The noLlu willadvi..:n. 01:
til U~ n.w UlterMt I'lLo on my loaon II ~ th. Change Date;
(ill t.ba IUQount of my ntlW Monthly ~a)'lJ\t;nt foUowin, thl Chanp D.le;
!iiil U1y additional matlAlta _t.icb lha Nota ltoldtc'lr i. ttlquinld to d.iac:1o..; t.nd
(ivl the till. il!ld IA!wphon. humhet of . pctI~ft who .'ill'II..11t Ilff)' quutaoa ,I may he". r~lardirt.. lh. 1'IOlicfl.
.:l'l'l S I
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-
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5. 1I0RllllWER'S U1GIIT 1 IlEI'A Y
I have the right to make payments of principal at any timl!! }Jrfott they are alot. A plymrnt of principal only is kn01rm .u II
"prep8ymen~." Wht'n I m.t.ke a prt'pll)'ment.. 1 will tell the Note Holdl'rln wriUnR that 111m doinK so.
I may mike I fuU pr..payment or I partial pl'rp.yment without. paying any ptnalty. The Nole lIoldtr will U!l1!! aU of my
prepoymenU to reduce the amount of principal thltl owe under this Note. 11 I make. putlal prrpl)'nlt'nt. there .i11 be no dellY!!
in the due dltu of my monthly paymenhl unle5!1the Note Holder IRftt'!1 in writing to lho~e delays. My pArtial prepaymtnt. will
fl't!uce the amount of my monthly payments on the first Poymt'nt ChanRI!! Dat,e rollo..-lnR my plltllat prl'l)lIyml'nt., lIowp.\'rr. .ny
reduction due to my plirtial prepayment may be olbet. by an interest ute ine",u~.
6. LOAN CIIAIIG~~'l
H a 1.1' which applies to lhis loan and which sets muimum lo.n ehaq~e5 is (in.lly intr.rptr.tNl !l0 that tht! intl'r.llt or nth!'r
Inft" ChAtKl"!l('nUl'Ct.OO or to be coUected in connection with this loan exc('f'd the peormittM Ilmits. then: Ii) any such Inan chDtRe !lhall
be reduced by the amount nKenary to teduce the chllfge (0 the penniLtrd limit; and liil any sums abuoy colh~tlsi (tom me which
exceeded permitted Umit.S will be refundrd to me. The Note Holder mey choose to make this ~rund by redur.inR the principal 1 OWf'I
under thill Notll or by making a ditl'Ct payment to me. If a refund rfflucu principaL thll reduttioR wili he ttt"ated lU I partial
('ltt"paym.nt.
7. 1l01l1l11WEII'S FAlLUIlE TO rAY AS IlEQUIRED
(AI Late Charge for Ovrrdue I)aymenta
11th, Note Holder hili not t~eiv~ the full amount of IIny of my monthly paymentll by lhfl end 0116 cal"ndar dl1Y!llll(ltr
the dale it II due. I wiU pay . late ehatJ{tl t.o the Note Holder. The amount of the charge will be 5% of my overdue payment of ptin.
clpal and Intereat. I will p.y thlllate charge promptly but only once on any late paymenL
(0) Dt'fault
If I do not pay the fuU Imount of each monthly payment on the date ill! due. I will be in default.
(CJ Notice of Ddault
III am in def.ult. th. NoLe Holder may aend me a wntLAm noUe. lfWng me that if I do not pay thlll overdul' amount by a
certain date the Nott' Holder m.y require me to p.y Immediately the fuU amount of pri1'lclpd which hili not bHn paid and aU th.ln.
t~re5t th.t JO".,ontb'l.mount, That dat~ mu,t be at lent 30 daysafl<< thad.teon which tha noUce is mailed or deUvr~ to me.
(D) No Walnr by Note Holder
. Evrn if. at a time which t am in ddaulL. the Note Holder dOt's not require me to pay immediately in fuU as describtd.
above. the Note Boldtr wiD still have the right to do 50 if I am in defllvlt at . laLer Lime.
(E) Payment ~f Note Holder'lt COItA and ElIpenMII
If~hll No~ Holder hu requ1rtd me to pay immediately in fuU as deoaibed above. Lh~Not.e Holder will have the right to
be paid batkby me for all ils ttallonable cosU and upenst!s to the utent not. prohibited by applicable law. Tholle npenstt! may
include. fot rllmple. tf'a~n..ble allatn.ys' f~!I.
B. GIVING OF NOTIC(;:S
Unle!ll.pplicable 11.. requires I diHerent method. any nolice that mUll be given to me under this Note will be given by mail.
ing it by fUltclau mail or by delivering it to me at the ?raperty Address above or at a different addre" tr I give the NoUl Holder.
nolice of my diUerent addnn,
Any noLi~ that. muat be given to the nate Bolder under this Note wUl be given by mailing it by first claes mail to the NoLe
Holder at th, .ddreuslat.ed In &-ctitm 3lAlabove or at a differe:nt oIddJ-eu i( I lm given I nolice of that different addreu.
o. ODLIGAT\ONS OF rERSONS uNut:n TillS NOTE
If mor, than Gntt pt't!lon sign. thi!ll Note. each penon III fully .nd personaUy obligated to ktf'p aU of the pronUael made In tJU,
Note. including the promise to p.y the full amount owed. Any penon who is a guarantor. lurely. or endor!ltr of thia Nolt I. dao
obUgated to do theM things. Any ~lt>r~on who takes ovet thelle obUgations, Including the obligationa of I guarantor, lurety. 'tlr en'
dorl!l~r of thie NoUl. t, also obUg.tPd to tn"..p .11 o( the promiae. m.de in t.W, Note. The Note Holder may enforce ill rights under
thi, NOUl.gaio.t elch ~tlJon Individually or .gainet III of us togt!lher. nu. means lhat any on. of...... may be requind to pay all of
the amounts owed under this No~
10. WAIVERS
I and eny otht'f peraon _ho ha!l ohli<<alioo!l under Lbia Note wai", the rights or ()resentment and notice o( diehonor.
"J1'noSfonlmtnt" mean. the rlKht 10 II'\IUIU' the Note Ilolder to demand payment of amounts due. "'NoLlea of dilhon.or" meane Lh.
right to teqlltr. the Note Uoldrr lo glH~ notice to other penon. t.h.t amounu dUfI bllV. not bHn paid.
11. TillS NOTE SECURED 11\' A st:CURlTY INSTRUMENT
tn addiUon 1.0 the ptot<<llont gi\'l'n to the Note Holder undM' thl. Note. I Mortiage. Df'f'd of Tru5t or OHd to Secure Debt.
Ithe "Stoeurily Inet.rumllbt" with an Adju.Labl,ltate Rider. daud lh. aam. day al thll Not.e. protectl tha Note Holder from pOII.t-
b!~ l~~~~ ..hkh ml,eht ,.,...,1, If t dn MI. kHp tbe promilfswhich I mak,ln t.hl. Note. That St.>curlty In.t.ru.ment And Rldf:!' deaeribe
how .nd undrt "hat rondllionl,. may be rt'Quinld Lo make immrGi.t.e payment in full of aU amounts that. I 0". under WI Note.
Som. of tho.. c:oDCliUon. are describf'Ci as folio....:
"TrG1\If"of,Ar Proprl'f)'o,.a B'"~fitUs.llllr~,...t in BorTOw,,". If aU or any pitt of the Proptrty or an inLet1llt lhe:rWil'lKlldor
lJ"antrferrN lor if I bentfici&1l.nwt!lt in Borro...tr i. lold or tranefemd. 8!ld BorTOwer i. not a natural pettonl witbout Len&.er'.
prior wriUfll tonMnt. lAnder m.y..t Lender'a opLlon.. dtodar.. aU th. .uml ~ by due Security In.t.rumr:r.t to be immed.1at.ely
due and p.yable. HOll'no"M'. W. option "hall nut bt luerciaed by Lendfll' if uerclae i. not authorited by Fed<<It&I law.
"If Ltnder netcilt'l luch pption to .tt1'lttatfl. lAnd,., ah..n mail Bom:rwer notict! of atulrralion 10 accordabcI with p.n"..ph
I. herf'Or. Such notlt1l ehall ptovid.. pedDd tlf not Jesl than 30 dlY' from Lb. d.tt' tbe Dot.lee ia mwed withifl which Borrower may
P.Y the 811m. d<<lt.rtod due. If BOlTo...er fails to PlY 11.Icb eums prior l.o the expiration or euch pH'iod, LeDdflf may. without fwtbe:r
nolicl or drtnaDd an Dorrawer" 11lvoke any tt'm..wt. pmnitlfd by p"'lgrapb 18 btreof.
"I'\Olll'ithtt.andinr , !IIle or tnnllfr1". OortOWft' ...LU continue to be oblla:lLf'd undf'1' Lt,. Not.!' and Lhi. 5f.curily In.t.rument
unltn u.ndf!' b.. "'Ie.....d BOfTl)~'''r in _Tiling'"
Wltnr.. lhf' hand(&) and tht' .C"a,l(s) of the undt'",IKnrd.
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NOTICE OFIIOl\lE()WNEItS' E~1EIU;ENC\' ~lllRn:.\(:I': ,\SSI~I'.\:-"I'E ,\('T (IF II'S]
l'I.E,\SI~ itEM) TillS NOTln~. YOIl :\I,\\' nE EI,U;IIII.E mn F1~,\~I.:I{\1. ,\SSISI'MWE TOWAUIJ \'Clt11t
l\101tTC:Mm 1',\ "!\IENTS.
(}:lle: OL'I(lhcr~. 1'1'11'1
R~: Account No.:
16111129951
2-" Urick ChUTCh Jtn:uJ
Ncw\'illc,I'A 17241
TO:
J:UllcsC.llarlzdl
FROM:
\'0111\ FEIlIUlAI, SA \'IN(~S ,\NIlI.OAN ASSOCIATION
Your Illorlgage is in serious IJcfaul1 bcc:lUSC you have failed In pay PllilllPll}' installtllcllls of Jllil1dl':11 ;lUII inlCl'c!ol. :IS
required. for a perioJ of ilt least SiKI)' (M)) J:J)'s. The tolal :JlI1oum of the Jclillqucm:y is SlIli6.41 That slim incluJcs lhe
following: l'rindllul, Interest, E.SCTOW, and l.ate Char~cs
Yl1UT 1l10r1ga~e is also in defau\L for the following reason:
You may be eligible for linallt.::ial assist:mce thaI will prevenl foredmure Oil your mOl1gilge if you cOIHpl)' with the
provisions of the Homcowncrs' Emergcnc)' MOl1gage Assistance Act of 1983 (the ~ ^(.n. You may be eligible for clUcrgem:y
tcmporary assistance if your defaull has hten caused by circumstances heyond )'our cOlmnl. and if YOIJ mcet the eligibility
requirements of llle Act as dClermiucd by the l'cllns)'lvania !lousing Finance Agency. r.lc,:n:c.JC,1J.Jln.Jllllrn.~J.}licc.-l1JJ:.llllaJUS
au...a~inn of \'out.richu.
Under theAct. )'0"' are enlitled to a lemporary slay of foreclosure on your mortgage: fN thin)' (30) d3)'S fWlIllhe Jatc
of tltis NOlice. During Ihal time you must arrange and attend a ~face-IO-face" meeting with a t('presentative of tltis lender. or
willi a dcsign3led consumer creJit counseling agcllcy. The purposc or this mecting is III aUclllllt tn Will'" 11Ilt a ICp,:)'lIlrlll plan.
nr tu utllcrwisc sculc )'our Jdillllucur.;y. I.hiLWI.:l.:1iuIWllWiUll,;.l;Ut..i~L1hit.U'-.1.3.m,i.l.j,j,\:i,
Ir )'ou al1cnd a face-lo.Cace mecting willI this lender, or willi a consumcr crellit COlllIScling agclll:)' iJclllilied ill III is
notice, 1\0 fUllher proceef.1ing in I1ltll1gage forccl05~lfe lIIay take place for thin)' (30) Ja)'s after thc f.1alc of this IIlceting,
Thc name. .llldress and Ielephonc number of our repl'C5Cl1lali\'e is:
York Federal Sa\'lJ1CS and Loan Alisodaliun
101 South Gcorce Street, 1).0. Ilux 140
York,I'CllIIS)'h':JlIia 17405
Telephone Numher: (717) 846-8777, (800) 222-9.B3 Exlcusinu2431
The Il:lllle(s) and afldress(cs) of (a) dcsignated c:;ol1sumcr creuit counseling agcnc)'(ics) is (ale): Scc attached uhihit.
It is onl)' necess:lIY to schedule one bcc-lo-r:lCC mceting. You should advise this \endcr illllllcJialdy l)f YOllr intcIUillll!i.
If you have Iried and '3.re unable 10 resol\'e this problem 31 or after )'our face-Io-face mecting. )'011 ha\'e the ri~hl to
, appl)' for financial assistance frol1llhe lIUlnt..'Owners. Emergcncy Mongage Assistance fuul.!, III orl.!er 10 do Ihis.)'Hu lIlust fill
'.'U1, ~igll alld file :t complcted Homeowncrs' Emergcnc)' Assistancc ArplicOltion with une of Ihe dcsign3ted consullIcr credit
counseling agencies lislN above. An applica.tion for assistance lUll)' Oh:)' be cbt::~::d frmn a C',..mlll.m~'r Clcdil cmmsclina.
agcncy. 111e consumer credit counsc:ling agcncy will assist you in filling out )'our apfllication lll\~ will suhmit )'our completed
:lpplicatioll to the pClllls)'lvania Housing Finance Agcncy. Y.mutlWUpply In (llle uf..1l1c...c.cmUmc.LO~JiU1.!U11Sc.ljllJ:.JII~CIli:jc:S
Iislell in Ihe :I11:lt'hed.tlJ.lib.iL..fuun..app1jC:~Iioll wilhin 30 J.~tlr r:lc~-to.f:lr~ Ill!"rtinl!,
1Li',CJJI'IUt!lcin1ll=l!lJIW:llllillU'WL"'lllk.tillJlPfo~lUmu.\lulOL~lUO..Or.i00u.duJlllJJ0111lW.l11C.ll11""
Uull:.lJ':lhnb..JiCUI.ll:l1..in...ilii" 1~llt'r It \r{'d.~U1t.Juay--IllU'':'l:1:Ll..6l~'mJ.LhUJUCJ.uUllcl.lia1\:lLalli1'~'lJu~wjll.JUlrcitsulIu:litilljlil)'
lilL",ililalli:o.
A\':!ilable rUIII.1!. for emcrcC'r1C)' 1Il0l1gagc ,,~sist:l!lce :lIe vel)' limilcL.!. 111(')' will he di!.hursC'd hy the ^gC~Il,')' 1\l1Mr ,he
digihility clilCliil cst311lisll~lllY th~ Act.
11 i!: "11~mthJ.wprrt!lnl (hat \..aur....a.vrlir:llion iil: l'!rcur~Qnw.l.c1t.Ju_ty~tlPi.~~..tw.u).1\.'011Uajluu.\iu,
En;w~~ (ill:IV,I(Jl:H i1:'1Yl~~j~iml :Ifl,.r ill't'cWi..)'OULJIJ'tllk~. l>l.!lillg, Ihal nJdillnlla.llilllC'~ uo
fUledtlsllre rl'occeJings will be purtueJ againsl you if ~'ollll;l\'e met the 1UI1C' requlll:'U1enls !iel fnull I\lnl\'C, YllU will he lI\llllieJ
Jjlcc~l)' b)' th,ll Agency of 315 ..1cci!oion tm your applkalloll,
111( Pennsyl\'ania Housing l:ill;lnl~e'^C(':nc)' is loCillcJ at 21tH NOl~h rWUI SUcrl. 1'0. AnI( t\()~\}. lIani!'.lnuJ!. P^
1710~, Telepholle N'l, (717) 7tm.3!iUi.l 01 1.!i()n-~~:!-2)t)'7 (1011 ht'clIllmht."I),
EII:::ltm'L.!ial5t.l is 311(){hcr unlie: rWlU Ihis 1clllkr under ^ct6 (}f t9i-S, l'hal1ll1!irc is calkJ n~N'llke Hf lWClllillll III
1:1Il(,"c!nsc". YtlU Ill\l~t read llt)tlt IIlJlices, siuce Ihey hUlh C,"[llnin lighlS llint )'(lU now h:l\t ulll.!cr flenns)'h'allia Ia"", 1I0\\'C'\'C'1"
if )'011 choo!'.e 1{1 (',rlcist your 1l~~hllllcsnibC'J in Ihis notice. we catlllot l()led'l~e upon )T..o dUllll~ tltnt ,iltj(', ^l!.t1. ,1f )'OU
Ic('\."i\,C' fluand:tl I1ssi!>l:llll;:e IIHIII lht' 1\'ilu!o)'h'Olni3 H\lIlMlIC Fill:tllrc ,.\~t-llC)r, ynu'i' '101lIt' (;l.lllllll he fUH'dmt'd IlI"lU wi Ilk pIli
ale (('Ct'i\'lll~ \hat a~f>i!.(all('c,
SiIWl"It'ly.
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O/:,h'nl:, Did.cn.oll
t.'all"~t'I, ("ul1rctillllS l)f1';UI1IIt"1I(
)r~'k,
Dare:: OCI\)!Jt:r 5, 1998
JAMES C HARTZELL
~~~ BRICK CHURCH ROAD
NEWVILLE I'A In~ 1-94~S
1\0: MOl1gJge Account No. 11-160029951
NOTICE OF INTENTION TO FORECLOSE MOR TGAGE
, DeJr JAMES C HARTZELL:
The MOl1gJge held by York Federnl SJvings Jnd LOJn AssociJtion (hereinJiler "we, us, or ours") on your property 10cJted Jt RR 4
NEWVILLE PA 17241-9804,IS IN SERIOUS DEFAULT because vou have not mJde the mOnlhlv pJvments of5383,3 forthe
months of AII~ust 1998 thru Oelober 1998. LJte chJrges hJve Jlso Jccrued to tillS date In the Jmount of $30.29. TIle totJI amount now
required to cure this def:JIJI~ or in other words. get CJllght up in your pJyments, as ofllle date of this le!)er, is 51166.41.
YOII mJV eure this dethuh within THIRTY (30) DAYS of the dJte of this leuer, bv pavin. to liS the above amount of51166.41 plus
anv additional monthly payments ~nd )Jr. chJrcre which mJV f~U due durine !his period. Such payment must be made either by cash,
cashiers check, eenilied eheck or money order, and made at ,10 I South George Stree~ 1'.0, Box 15068, York, Pennsylvania, 17405-7068.
to the auention of the collections department
If you do not cure the default within THIRTY DAYS, we intend to exercise our ri.ht 10 aceelernte the mon.a.e pavments, This
means that, whatever is owing on the original ~mount bO!Towed will be considered due immediately, and you may lose the chance 10 pay
off the original mongage in monthly inst:lilments. If full payment of the :unollnt of default is not made within THIRTY (30) DA YS, ~
also intend to inslrUcI our attornevs 10 start a lawsuit to foreclose vour mOI1.a.ed oropenv. If the mortea.e is foreclosed vOllr monea.ed
propenv will be sold bv the Sheriff to pav otf the mon2aee debt. If we reier your case to our attorneys, but you cure the dethult beiore
they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees acWally incurred, up to 550.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if Ihey are over 550,00.
Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. Ifvou cure Ihe defaull within the
~hinv dav period. Vall will not be required to pav ,ttornev's fees. -
We may also SUe you peesonally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured
the default within 1I1e thirty day period and foreclosure proceedings have begun, you still have the ri.ht to cure the default and prevent the
sJle at ,nv time UD to one hour before the Sheriffs foreclosure sale. You mav do so bv Davin2 the tOlal amount of the unpaid monthlv
pavrnents plus anv late or other chanzes then due as well as the reasonable attomevs fees and costs connected with the foreclosure sale
and pertonn Jnv other requirements under the mort~aQe. It is estimated that the earliest date that such a Sheriffs sale cryuld be held would
be approximately six months from the dale or this nOllee. A notice of Ihe dJte of the Sheriffs sale will be sent to you beforelhe sale, Of
couese, the amount needed to cure the default will incre:>se the longer yeu wait. You may find out at any time exactly what the required
payment will be by calling us at the following number. (717) 846-8777. This payment must be in c:>sh, cashiers check, cmitied check or
muney order and m,de payable to us at the address stated above.
,
You should re,lize th,t a Sheriffs sale will end your ownership of !he mortgaged property and your right to remain in it. If you
continue 10 live in the property alter the Sheritfs sale, , lawsuit could be slarted to evicl you.
You have addi,ional rights to hdp protect your interest in the property. You h.ve lhe right to seU the property to obtain money to
p.y ofr the mortg.ge debt, or to borrow money rrom another lending institution to p.y ofr this debt. You m.y have the right to
sell or tronsrer the property subject to the mortgage to a buyer or tronsreree I\ho Will.slume the mOrle.ge debt, provided th.l.U
the oum.nding payments, cl.3rges and attorney's rees ,nd com 3re paid prior to or at the sJle, Jnd thJt the other requirements
under the mortgage ;ire s.tislied. Contoet us to determine under what circum!tanCelthis right might exist. You hJ\'e the right to,
h.\'elhis derault cured by any third pJrty acting on YOllr behalf.
If vou cure the default. the rnOI1QaQe will be restored to the same position 's if no def,ult h,d occurred, However, you Jrcnct
entitled to thiS right to cure your detault more ,hJn Ihree limes m Jny calendar year.
: '.e.~rttfled Article Numb'er.. '>
~:c .,,:.~SUliiERS HEeORn,:.:..:.....:...
P 976 216677
Sim:erely.
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CERTIFIED ~tAIL. #p ')76l16677
Rerum ReCClpt Requested
"Address C"!Twion Requested"
Ogd~n F. DH:k~r:cn
("llcction D(,?;1m":""~t ~1jnJ~et
)r;::J~ral
Date: October 5, WJ8
JAMES C HAHTZELL
Hlt4
NEWVILLE PA 17241.9804
Rr=: Mongagc ,.\ccount No. #.160021)1)51
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear JAMES C HARTZELL:
111e Mortgage held by York Federal Savings and Loan Association (hereinaiter "we, us, or ours") on your property localed at RR 4
NEWVILLE PA 17241.9804, IS IN SERIOUS DEFAULT because vou have not made the month Iv pavments of5383.3 fonhe
months af AUl~lISt 1998 thru October 1998. Ulle charges have also accrued to this date in the amount of $3U.29. The lotal amount now
required to cure thIS detaull. or in other words, get caught up in your payments, as of the date of this lener; is 51166.41.
You mav cure this detault within THIRTY (30) DAYS of the nale of lhis letter. bv paving to us the above amount of 51166.41 plus
anv additional month Iv pavrnents and late charge which mav tall due durine this period. Such payment must be made either by cash,
cashie(s check, certitied check or money order, and made at 101 South George Street, P.O. Box i 5068, York, Pennsylvania, 17405-7068,
to lbe anention of the collections depal1l11ent.
If you do not cure the default within THIRTY DAYS, we intend to exercise our richt to accelerate the morteage pavments. 111is
means that. whatever is owing on the original amount borrowed will be considered due immediately, and you may lose the chance to pay
olTlhe original mortgage in monthly installments, If full payment of the amount of default is not made within TIllRTY (30) DA 'is, ~
also intend to instruct our anomevs to stmt a lawsuit to foreclose yonr mort,eaoed oropertV. If the mortea!!e is foreclosed your rnortea!!ed
property will be sold bv the ShertlIto pav off the mortea!!e debt. If we reier your case to our anorneys, but you cure the default before
they begin legal proceedings against you, you \Viii still have to pay lhe reasonable anorney's fees actually incurred, up to 550.00.
However, if legal proceedings are started against you, you will have to pay lbe reasonable attorney's fees even if they are over $50.00.
Any anorney's rees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the
~av period. you will not be required to pay attomev's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. lfyou have not cured
the default within lhe thirty day period and foreclosure proceedings have begun, vou still have the rip-ht to cure the default and prevent lhe
sale at an time u to one hour before the Sheriffs ioreclosure sale. You Olav do so bv a in!! the total amount of the un aid monthlv
pavments plus anv late or other charees then due as well as the reasonable anornev's fees and costs connected with the foreclosure sale
and perfonn anv other requirements under lhe mort!!aee. It is estimated that the earliest date that such a Sheriff's sale could be held would
be approximately six months from the date of this notice. A notice of the date of the Sheriffs sale will be sent 10 you before lhe sate. Of
course, the amount needed to cure the def:iult will increase lhe longer you wai~ You may find QUI at any time exactly what the required
. payment will be by ~allin; us at !he following number: (717) S46.~777. 11tis payment must be in cash, cashie(s check, certified check or
money order and made payable to us at the address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it, If you
continue, to live in the property after the Sherift's sale, a lawsuit could be slaned to evict you,
You have addition.! rights to help protect your interest in th. property. You have the right to sell the property 10 oblain money 10
payoff the mortgage debt, or to borrow money rrom another lending institution to payoff this debt, You may have the right 10
sell or transfer the property subjecl to the mortgage to a ~uyer or transf,ree who will assume Ihe mortgage debt, provided thai all
lhe OUlStanding payments, charges and allorn.y's fees and costs are paid prior to or allhe sale, and that the other requiremtnts
under the mortgage are satisfied, Contaei os to determine under what circumstance.~ this right might exiSl, You h3\'e the right to
havIlthis default curcd by any third party .cting on your b,half.
tf vou cure the default. the monea.e will be res!Cred to the same position as if no default had OCCUlTed. HOIVever, you ore ~ot
entitled to this right to cure your defJult more th:m thr~e times In :my c~lendJr ye:lr.
;" CertlliedA~lit'e Number" '..
P 97 b 21b b 78
Sinc~rcly,
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-
. ' ..' SEtlOEllS REtORD ' '
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Ogden F, Dick"son
Cul1~l,;:ion Dr.':~:::.r.mcnt \ t;mJ~cr
CERTIfiED ~IAIL -.P 97',:10()78
Rc:tum Rccc:;pt RCJ-illl:!.itc:J
"AJJref.S Com~c~lon RcqUt':~l~d"
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CIVIL ACTION - - MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
vs.
No: 98-6974-Civil
JAMES C. HARTZELL
JODY A. HARTZELL
Defendants
PRAECIPE TO DISMISS AND SATISFY
Please dismiss the above-captioned matter without prejudice and satisfy
the judgment that was entered on February 16,1999.
/
.,
,
Benjamin F. Riggs, Jr.
Attorney for Plaintiff
York Federal Savings
and Loan Association
101 South George Street
York, PA 17401
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