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Home My WebLink About98-07047 - ~ '" '. I !i I~ I I ! . ~ Id I It: i :1 i~ I- I .~ , U 1 < ! ~ : .~ i I:" I '-L 1 i .' ! , i I ! t .~ :- .::. ~ ~ ~ ~ . 00 ()- ~ 5. Paul D. Thrush, Jr., and Eleanor A. Thrush, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated September 25, 1978, and recorded in the Cumberland County Recorder's Office in Dced Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of September 1998, October I 998, November 1998 and December 1998. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated November 3, 1998, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 8. The Plaintiff has given writtcn notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "G", and ,ltlachcd hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of One Hundred Thirty-three Thousand Two Hundred FOlty-nine and 48/100 ($133,249.48) Dollars, with interest thereon at the rate ofninc percent (9 %) per annum computed from August 7, 1998, along with attorneys fees now due and payable. 10. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount due to date $122,836.49 8. Interest due to dale 3,900.26 167.52 C. Lale Charges D. Attornc)"s Colleelion fee 6.345.21 -rOTA L: $133,249.48 VERI FICA TION I, John H. Bowers, hereby verify that I am a Sr. Vice President of Financial Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~ John H. Bowers Sr. Vice President Finandal Trust Company , I?,f _ ~001 ') 3 \? 11 )) PROMISSORY NOTE :;i,,;:i:.,',:,~::::(::"': Borrower: Paul D. Thrush, Jr. E1eonor A. ThruBh db:\: Thruw Ecovallng & Paving 972 We:sl Old Vork Road Cat1151e, PI. 17013 Lender: Ananclal Trusl Company Main omc. One West High Streel Cat1lsle, PA \7013 Principal Amount: $123,000.00 Date of Note: July 2, 1998 PROMISE TO PAY. Paul D. Thmsh, Jr. ancl E11ll1r1O< A. ThruBh ("BOrrower") prom~ 10 pay to Anenclel Trust Company ("Lender"), at order,ln lewfUl money 01 the lInned Slales 01 ""'ertcs, the pnnclpel amount 01 One Hundred Twenly Three Thousand & 00/100 DollarS ($123,000.00), logethllr with Interesl on the unpaid pr1nclplll batal1CC !rom July 2, 1990, unUl paid In lull. PAYMENT. SUbject 10 any payment clIaIIge8 resulllng !rom changes In the Index, BoITower will pay this loan In IlCCOrdance with the IOlIowlng paymenl oc/IedUle: 12 consecullve monlhly pnnclpal and Interest payments 01 $1,116.78 each, beginning August 2, 1998, wtth Inlerest cal<:u~11Kl on !he unPDlll pllnclpal blIIlII1Ces at an Interest rale of 9.000% per annum: 'lZ1 consceuUve monlhly principal and Inlefe81 payments In \he 1nlllllllKllOllnt 01 $1,078.10 eaclI, beglMlng Augusl2, 1999, with in_1 calculellKl on !he unpaid prlnclpIlI balances ot en Interest rate of 3.5QQ percentage points over the Index desCrIbed below; and 1 principal Md Inlerest paymenlln the Inllllll amounl 01 $1,01029 on July 2, 2018, with Interest celculaled on the unpaid pnnclpal balances al an Inlerest rate 013.500 pe<een\ege point. over the Index deSCt1bed beloW. this esllmaled nnal paymenlls ba9fJd on the lISSlImpUon thal !ill payments will be made exac1ly os scheduled and thai the Index does nol change; the ac\WII nnal payment will blllor ell prlnclplll ond accrulKllnteresl not yel paid, together wtth any other unpaid llI110Unta under this Note. The annuallnt......1 ralo lor this Nolo is compuled on a 3651360 basis: lhalls, by applyin~ lhe ratio of the annuallnl8(osl rale 0119< a year 01 360 days. mulllplled by tho OUlstandlng principal balance. mulUplied by Iho actual number of days lhe principal balanco Is oulstanding. BOlTowar will pay lender allender's addrlm .hown above or at such other plaoe as Lender may designata in writing. Unless olherwlse agreed or requlrod by applicable law, payments will be applied firsllo accrued unpaid inleresl. Ihen 10 principal, and any remaining amounllo any unpaid collection costs and lata charges. V ARIAIll..E INTEREST AI< TE. The Int9fosl rata on this Nole Is subject 10 chango from time 10 time basad on chenges In an Indepondenllndex which Is the Weakly Average VIa1d on United Slales Treasury Securities, Adjutled to a Constanl Maturity ut 00"" (1) Year (tho 'ndax"). The Index Is not necessarily lhe lowest rale charged by Lender on its loans. lithe Index becomes unavailable during tho term oIlhis loan. Lender may designate 0 substilule Index anor notice 10 Borrower. Lender win leU Borrower the cUlTllnllndex rale upon BOlTOWer'. request. Borrower understand> Ihallender may make loans based on olhar rales as well. The Interesl rale change will nol occur more onen than each YEAR. The Index currently la 5.000% per ,","um. The Inlerest rate or rates 10 be 0ilP1I1KI to the unpaid principal boIance oflhls Nole wtll be the rele or ralea aetlorth above In tho "Paymenl" section. NOTICE: Under no dn:umstances willhe Inlerest rule on this Nota be more than lhe maximum rata allowed by appUcoble law. Who_Increases occur In tho Interest ralo, Lender, al ils option, may do one or more 0I11le following: (a) Increaso Borrower's roayrnenls 10 ensure Borrowet's loan wiI pay oft by its original final maturity date, (b) Increase Borrowe~s payments 10 cover accruing InloroSt. (c) Increase the number of Borrow..... payments, and (d) continuo Borrower's paymenls alllla somo amounl and Inc:roasa Borrow<<'s final psymenl. PREPAYMENT. Borrow", may pay wlthoul penalty all or a portion of the amounl owed ellJl'" than It is dua. Early payments win nol. unless agreed to by Lender In wri1Ing, relieva Borrower 01 BOlTow....s obligation 10 continue to make payments unde< the paymenl schedule. Ralhar, lhey wll reduca the principal balance duo and may resull in Borrow", making lewer payments. LATE CHARGE. II a payment is \5 cllIya or mora lals, BOlTe"'''' ",II be charged S.oocrr. or the regularly schlKluled payment. DEFALLT. Borrower win be In dafaull H any of Ihe following happens: (a) Borrower tails 10 make any payment when due. (b) Borrower breaks any prom1s9 Borrower has meoo 10 Lender. or BOlTower fails 10 comply with or 10 per10rm when due any oth<l< lonn, obligation, covenant. or condillon contained In this No'" or any agreemonl rela19d 10 this Nole, or In any olher agreement or loan Borrower has ..'ilh Lend.... (c) Borrower defaults under any loan, ex1.enslon 01 credit. security agreemenl. purchase or sales .greement, or .ny other agre.ment. In favor of any oth8( creditor or person lhal may matarially anoct any 01 Borrow....s properiy or Borrowe(s ability to repay Ihls Note or perform Borrower'. obligations under this Note or any 01 the Related Documents. (d) Any represenlation or stalemenl maoo or furnl!,hed 10 Lender by Borrower or on Borrower's behalf is false or mioIaadlng In any malol1al respect _ now or at tho time made or furnished. (e) BOlTower di<ls or beCOmes InsoIvanl. a rocoivor Is appointed for sny pari of BOlTOW....S property, Bc:trower makes an assignment for !he bonofit of crednors. or any proceeding Is commenced - by Borrower or against Borrower under sny bankruptcy or Insolvency laws. (Q Any creditor tries to tako any of Borrow....s propnrto( on or In which l.ander has a lien or SIlCuriIy Interest This Includes a garni>hrneaf of any of Borrower's accounts with Lender. (g) MY otthe llVBnls described in thIS detaul1 section occurs wilh respect 10 .ny guarantor of \hIo Nota. (h) A maleriaJ .dV9rs<\ change occurs In Borrow....S financial condition. or Lender believes lha prospect 01 payment or petlormance of the Indebtedness Is In;paired. (I) Lenc!er In good faith deems itself Iosee'..... LEHOER'S RIGHTS. Upon dalaul1, Lendor may, anor giving such notiCeS as required by applicable law. doctare lhe entire unpaid principal balanc:o on this Nola and aI accrued unpaid Inlaresl Immediately due, and lhen BOlTOWlY will pay lhal amount Lend... may hIro 01' pay someone elsa to help collect \hIo Nola W Borrower does not pay. Borrower also will pay Lender thel amount This inclucles. subject 10 .ny timlts under applicable laW, Lender's aUomeys' ""'" and Lender's IegaIIlXp9!l>BS whether or not there is a lawsuit. Includin; atlorneys' fees and legal expenses lor bankruptcy procoadings Oncluding elIarIs to modify or vacate any aulomatic stay or Injunction). appeals. and any anbclpalad post-judgment collection services. If not prohllltod by applicable law, Borrower also wil pay any court cosls, In addItion 10 all other sums prO\llded by 12w. "judgment.. on1O!1>d In conn<>clion with \hIo No'.e, Inlerest wll continua 10 accrue on fhls Nolo allat Judgment althe Interesl ralo applicable 10 Ihis Nola alllle time judgment Is on\OrOd. This Nole has _ ddlverr<\ \0 LencIer and occepled by t~nder In !he Commonwealth 01 PennsytV,,"IL II there Is a lawsuit. BOrTOW<<~. upon lender'a requesl \0 _It to the jur1adlcllr.>n oIlhe courts of Cumberland County, the Commonwellltll of PennsylVania. Thla Nole BhSII be governed by and construed In accordanCe wlllllhe laws 01 the C'.ommonwealth 01 PeMsylVenlL RIGKT Of' SETOFF. BOlT""..... grants to Lende ' snd hereby assiQns. conveys, dallvero. pledgeS. and !ransle" to Lender aI Borroww's right title and Im..:e.t In an I IEX IT nder (whether chOCkln;. Slllllngs. or roms other account). Includlng without timdation a. accounts held jointly with l>O ower may open In the luture, e>a::tudjng howlM< al 1M and Keogh accounts. L'ld sU trust accounts for which the be prohlbil&d by law. Borrow. autf10nms l.ender, 10 !he <<><lent p&'lT1IIIed by applicable taw, 10 charge or sel ag,...$1 any and an such accounts, and, al L"nde(, optio.n. to adminis1rlltiveiy '"""" 8. such .ccounls 10 anow .nd seloft nghts proVIde<! on this par.graph. ca.u.TERAL. Thls Note Is secured by, In ad ort~Qfl daled JUly 2, \998. to Lender on mal prop&1y Iocaled In . ..- ~ ?- '1 .) '! ~H-t(~ /" .~ /'J ~' :. :: . ,-. 'I.' ... ::. ~. w' ': I,~ ~ :~ :" . .. ;.. I, (: ,: 1.: t4 i ~ 4 t.:. WHEN RECOROED MAIL TO: financial Trust Company cia Keystone L08Il Operallons ATTN: Collateral DepL 130 Court Street, Po Box 3187 Wllllamsport, PA 17701 '88 JUL 10 PA 1 29 SPACE ABOVE THIS LINE IS FOR RECOROER'S use ONLY MORTGAGE THIS MORTGAGE IS DATED JULY 2, 1998, between Paul D. Thruah, Jr. and Eleanor A. Thrush, whoae address la 9n W~at Old York Road, Carllale, PA 17013 (referred to below as "Grantor"); and Financial Truat Company, whose address Is One west High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuabla conslderatlon, Grlll'llor grant., bargains, sells, conveys, IISSlgns, Il'lIIlslers. releaSes, connnna and mortgagea 10 Lender aD cl Grantor's right, tillo. and Interest In and 10 the lollowing described real property, together with all eldsting or subsaquently erected or afflXod buildings. ImprO\l8lTKlnts and ibdures; lilt streets, lanes, all9ys. p....ges, .nd ways; all aasements, rights of w.y, all Ilbertle$, pcM1eges, tenements, her9ditalTKlnls, .nd appurtenances thereunto belonging or .nywise made .ppur1enant hereafter, and the rovers/ons .nd remaindfars with respect thereto; aI wa"", WIIter rights, watercournes .nd ditch rights (lm:1udlng stock In utilities with ditch or Irrigation rights); and .U other rights, royalties, and proflts retallng 10 the real properly, Including withoutllmltallon all minerals, 011, gas, geothermal and simllllr melle... located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"); SEe EXHIBIT "A" A1TACHED HERETO AND INCORPORATED HEREIN BY REFERENCE The Real Property or Its addree Is commonly known a8 9nWeat Old York Road,Car1Is1e, PA 17013. Grantor presently assigns 10 Lender all 01 Grantor's right IIl1e. and Int9f9Stln and to all leases 01 the Property and all Rents !rom the Property. In addition, Granlor grants to Lencl8r a Uniform Commercial Coda security Intereslln the P....onal Property and Ranis. DEFINITIONS. The 100Iowing wll<ds sheU hevethe IoI10wing meanings when used In this Mortgago. Terms not otherwise oofinGd In this MOOgage shall have too moanlngs "lIrlbuled 10 such terms In lhe Unfform ComlTKlrclal Code. AU references to dollar amounts shell mean amounts In lawful money of lhe Un~ed Stales 01 AmerIca. Grantor. The wo<d "Grantor" means PaulO. Thrush, Jr. and Eleanor A. Thrush. The Grantor Is the mOOgogor under this Mortgall". Guaranlor. The word "Guarantor" moans and Includes wlthoulllmltaUon each and oil of the guaranI"",, sureties, and occommodallon parties In connec1lon with lhe lndobled,.,... Improvemenla. The wo<d 'mp<ovements. moans and Includes wilhout limitation all ....ting and future Improvements, buJIdlngs, structures, mobile homes alllxed on lhe ROllI Property, facdlllcs. additions, replBcoments and other conslruclio.o on lhe ROllI Property. Indebtedne.... The word 'nd9bledn.... rnoLns all principal and In""",t payable under !he No19 and eny amounts expanded or acM.rv;ed by Leader \0 discharga obligations 01 Grantor 0< sxpenses Incum>d by Lender to enforce obllgallons of Grantor under lhis Morlglige. I_the< with Interest on such amounts IS provided In Ihls Mortgage. In addijlon 10 !he N019, the ,,'ord 'ndebtedooss. Includes aU obligatio"" debts and IiabUitIes. ptus lnleces! thereOn, of Grantor 10 Lender, or any 006 or morn of them, as well as all claims by Lender ogalnat Grantor, or any one or mora of fhem. wh91her now existing or heroaner arising, whether roIaled or unrelated to the purpose of !he Note. whelher voluntary or otherwise, whether dUlt or not due, absolute or conllngent, liquidatod or unliquidated and whether Grant"" may be liabla ladMdually or jointly with others, when... obligated a. guarantor or othelwisa. and whether recovery upon such Indobtedness may be or herealter may b9cQ~.bll'1'~d.by any statute of lIml\a.tions, and whether such Ind9btedne-..s may be or here"fter may become olhotwIsa unenforceabl8. (Inltlal Hor8 : L;;;;::Z<i.'.::;,.':.) Lend.... The word "Lender" moans Financial Trusl Company, ,ts successors and assigns. The Lender Is !he mortgagee uncl8r Ihls Mortgage. Mortgage. The word .Mortgage. moans this Mortgage belweon GrantOf and Lander. and Includes wilhout t1mr..lIon aU ..signmonls and sacunty InleorMl prtWistons ro!ating to the Pcn.onm Property and Rents.. Nole. The word _. moans the promissory n019 or crodll ag"""""nl dated July 2. lwe, In the ollglnlll prlnciplll amount 01 $123,000.00 !rom Granlor to Lender. toget,.,... wrth all renewals of. extensions 01. modllicatiom 01, refinancings 01. conaolIdallons 01, and substilullonS ta< lhe promiswy nola Of sgn>emanl. NOTICE TO GRANTOR: mE NOTE CONTAINS A VARIABLE INTEREST RATE. PerllOnaI Property. Tho words "'"""MJ Property" m\\>n aU !>Quipmenl. fixtUfOS. and other artlcles of p"",onal property now 0< hera&fter owned by Grantor, and now 0< hero&llor attached or allix9d \0 lhe Real Proper1y; looelher With aU accessions. parts, and addibons 10. &l f11l)lacemanls of. aod a' subs\llUllOns 10<, any 01 such property; and Iogolher with all procoods (including Without Ilmllation allMlJ/ance prooaeds .nd refunds at premiums) from any"'l8 or olh8r d"'PO"J1ion of nlll Propety. Propefty. The word "Properly" nw.ns co"""tmIy the Res! Prop<>1y and the Perwnal Property. Real Property. The wo<ds '11eal Property" me&!1 the property.lntOf"'ts and nghls described abO\l8ln I Related Documenla. The words '11oiate>d Documents. moan and Includa wnhoul kmitAbon an ag",e:'''flll. ..awonmaatal aoreamenls. guaranties. """umy egraemenlS. mOOgagos. deeds 01 trust. a docUments. whether now or _lis< eXlSlIOQ, uecu10d In connoc'bon w,th the Ind9bladness. RenlI. The wa<d "nent>. moans aI present and tutUf8 rents, 'evenues. Income, Issues, royalties. pr ProplllTy. . II- loan fils and !rom !he 07..1)2-1998 MORTGAGE (Conllnued) Page 2 THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONA!. PROPERTY, IS GIVEN TO SECURE (II PAYMENT OF THE :NDEBTEDNESS AND (2) PERFORMANCE OF AU. OBliGATIONS OF GRANTOR UNDER nus MORTGAGE ANO THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOllOWING TERMS: PAYMENT AND PERFORMANCE. Excepl as otherwise provided In this MortlJage, Grantor shall pey to Lender all amounts secured by this Mortgage as they become due, end shell slr1clly portorm all 01 Granlor's obllgallons under Ihls Mo'lgaga. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agree> thet Granlor's possesSIon and usa ollho Propll/ly shall ba gover""" by the 10000wIng provisions: Pouesalon end Use. Unblln dalaull, Grantor may romaln In possos~on and control 01 end operate and manage the Property and colleclthe Rents Irom the Property. Duty to Melnlllln. Grantor shaU malnlaln the Property In tenanlabkl condition and promptly porto,m .n repm. replacements, and malnlenance nocouary to pmsarve its valua. Hazardoua SUblllllncea. The lenns 11amrdous waste," 11l1ZllldDUS subslance," "disposal," "release," and 'hreatoned release," as I1Sed In this Mor1gago, shall heve the same meanings as sellorth In the Comprehensive Environmental Response. Compensallon, and liability Act 011980, as amendod, 42 U.S.C. S<>ction 9601, et seq. ("CERClA"I. the Suporfund Amendmants and ReauthorltaUon Act of 1006, Pub. L No. 99-499 iSARA"I, the Hazardous Mal6rials Transportation Act, 49 U.S.C. Section IB01, at seq., the Resource ConsetVation and Rocovory Act, 42 U.S.C. Section 6901, at seq., or oIher applicable stete or Fedoraliaws, rulas, or regulations adopted pursuant to any of the foregoing. The terms "hUllrdous waste" and "hazardous substance" shan also Include, wllhout timllatlon, palroloum and palroleum b}'-ilroducts or any lraction thereof and aobestos. Grantor reptllSllnls and warrants to Londllr that: (aj During fh. pariod 0/ Grantors ow11<lfs1vp ai/he p(operty, there has boon no use, generation, manuhactura, storage, treatment, disposal, reI..se or threatansd ra_ of any hazardous waste or subslance by any parson on, undar, abOtJt or from the PrOperty; (b) Grantor has no knowledge of, or mason 10 believe that there has boon, IIXCOPt as pl1lvlousty disclosed to and acknow!odged by Lender In wrtllng, (I) any uso, generation, manufaelure, storage, treatmenl, disposal, roI8asa. or t"""'t.ned reIoasa alloy hazardous waste or subslance on. undllr, about or ~om the Property by any prior owners or occupants 01 the Property or (M) any actual or threatened litigation or cIGlms 01 any kind by any pfl<"..on relating to such mallors; and (c) Except as previously dIsc10sed to end acknowledged by Lander In writing, (II neither Grantor nor any Ionanl, conlrac1or, agent or olh... authorized user 01 the Property shell use, generale, manutaclura, store, treat. dlspooe 0/, or release any hazardous wast. or subslance on, undllr, about or Irom lhiI Property and (II) a"y such activity shall b. conducted In compllanca with all applicable Ioderal, sial.. and locaIluws, regulations and on:Ilnances, InclUding wIIhout Ilmllotion th.... laws, regulations, and ordinances described above. Granlor authorf2llS Lend... and Its agents to enter upon the Property to make such Inspections and lasts, at GranlOl'a expa..., as Londllr may deem approprlala to dolarml.. compllanca of the Property wllh Itus sactlon 01 \he r.lortgage. My Inspections or tests mad. by Lendllr shall be lor Landor's purposes only and shall nol ba co...trued 10 create any responsibility or liability on Iha part 01 Lander to Grantor or to any othef person. The represenlallons and warranties conlained herein are based on GrantOl'a dUll dlllgeaco In In\lllStlgating the Property lor hazardous wasl. and hamrdous subslances. Granlor horoby (a) releases and walvoo any Mum claims Agalnst Lender for Indemnlly or conlribution In lhe event Grantor boco""," liable lor cleanup or other costs undo< any such laws, and (b) agrees to Indamlllfy and hold harmless Lender against any and all claims. losses, liabilities, damagas, penallies, and expansos which Lender may dlfeclfy or Indlroctly sustain or suffer resulUng Irom a broach of thts section 01 lhe Mortgage or as a consequence of any use, ganeration, manulaclura. slorage, disposal, reIeosa or Ihrealeaed r_sa of a hazardo"" wasla or subslance on \he proporfles. Tha proviSions 01 this section 01 tho Mortgage, Including the obligation to indemnify, shal survive thl payment 01 the Indebtedness and \he satislac1ion and f8C0nveyanca 01 tha lien 01 this Mortgage and shall nol be affol:led by Lander's acquisition 01 any Intfll1lSlln the Property, whether by IoroclOSUl1l or OlhatwlSfl. Nuisance, Waste. Granlor shall no/ causo. conduct or permit any nuisance nor commit, permll, or suffer any stripping 01 or weste on or to the Property or any portion 01 tha Property. Without lIm1hng the gell8f1lllly 01 the loregolng, Granlor win not remove, or grant to any other party tho righ1 to remOll8, any timber, mln...aJs Oncludlng 011 and \lIS), soli. gravel or (ock products without the prior wriUcn consent 01 Landor. Removal of Improvements. Granlor shall not demolish or remove any Improvements from lhe Real Property wllhout the prior wrtttan consent 01 L6ndo<. M a condition to \he removal of any ImprlMlmants, Lendor may requlra Granlor to mli~e arrangements satlslaclory to Lender to replace ~ueh 1:T'.pY.C\'Cmen:t: \I:'ft~ lmpro\'e~t! 0' a~ IMost ~1J81 \t8llJA. Lend..... Rlgl1t to Ent.".. Lendllr and lis agonls Ind ropresenlaUws may anler upon the Real Property at &I reasonable times 10 attend to Lendor'slnlorosts and to inspect the Property lor purposes 01 Granlor's compllanc. wilh lhe lerms lnd conditions oIlhIs Mortgage. ComIllI8nce wtth Govemmanlal Requtramenta. Grantor shal prompUy comply ...,th &I laws, ordinances, Ind regulations. now or _118< In ofhIct, 01 &I govwnmantaJ luth_ apptlcablta to the .... or occupancy 01 \he PfOP<'rIy, including wlthOtJt ~m~ation, the Americans With Disabllltles Act. Granlor may contast In good laIIh any such law, ordmanca. Of regulation and withhold compliar>r.o during any prooeeding, Including appropr14ta appa&Is, :;0 tong as GranlOt has naMed Lender In writing prior to dOing so and so long as, In Lander's solo Cl>inlon, Lender'a Intorests In the Proporfy are nof jeopardized. Lender may requlro Granlor to post .doquate sac:urily or a surety bond, raa>0n6blf satisfactory to Landor, to prol8c:1 Lendor's interM!. Duty to Protoc1. Grantor agrees neither to abandon nor IeIVII unaUended \he Property. Granlor shall do al olhef acts, In add,tion to Ihose acts sot forth abovo in this section, which from the character Ind USII ollhe Property are reasonably necessary 10 protect and pmsarve \he Property. OlE ON SALE _ COHSEHT BY LENDER. Lendor may, allls option, docJara immediately duo and p.yable .. sums MCUnId bf this Mortgage upon Iha sale or \ransier, ...oithOtJt the Landor's prior wrtnon coasan~ 01 aI or Iny part of tht1 Real Properly, or any Inlareot In tho Real Property. ""u.Ia or lran.1or" meons tho conveyance 01 Real Property or any nghL utto or Inler8slth<>roin; whother logll, b8nGf1clIl or equitable; _her VOluntary or iIMlIuntary; _ by <Xf.righl sa~. deed. Installment ..Ie contrael. land contract. conlrac1lor doell. Iol>ehold In_t with . wm _w than llYN (3) l'8I"', -..op~on contract. Ot by ..ie, aSSlgnmen1, or transler 0/ .ny be""licIaI In"",,,! In or \0 any Ian~ trust holding title to the Real Property. or by any other molhod 01 convoyanco 01 Real Property in!llrell. If.ny G'ant", Is a corpot1.Uon. partnorship or HmIIed IIablIIty company, lraosler also iadudos any chango in ownar!ohlp 01 more than twonty-lrvlt porC6l1t (25"") of lho \'O~ng stock, partflOr~llIp In_Is or bmllod II&bIllty company In_Is. as \he case ITlIIY be. 0/ Grantor. However. ltus option wb nol be cxorci!>ed by Landllr rl ""'" OXOfClsell prohlbnod by ledarallaw or by P""nsytvll.... IIw. TAXES AND UEHS. Tha follOWIng provl<...oos 'olating to \he lax.. and "ens on tho Property "'" I part 01 tM Morf\:ag.. p.,.ment. Grantor ohaa PlY""",," due (and In .. ovenls pnor to del>nQuoncy) II ...... p.yrollaxM.lop&Ciallatos. as....",..nl$. ....ler chargat and ........ _ charges leVIed .gain" or on IOCCoUnl of tho Property. aod ,hall pay when duo AI clatms lor won. dona on or tor - re~ or IllllariallumiShad 10 lhe Property. Cilnlor ,hal mainlaln tho Propety _ 01 II _ Nl'lng priority ~ or equal to Iha In_ 01 Lend<< Under 1M Mor1;llQU. ~llOr the Ile~ of 1&I8i arId as~~n~ no! due,lInd exoepl OJ ofhor'A'iM p'OVlded In \he f~"Il para~aph. Rlgl11 To Conlest. Grantor may wllhh<>d payment of .ny tal. .ssetsmenl. or claim In eonnocbon wrth I good farth diopl,lta ... \he ObI9I\IOn to pay, so long as Lander's in_In the Proparty Is no! ",opardi1ltd. 11 a \..n ariSes or Is flied as a rtlS~ 01 nO'lPlymen~ Grantor ~ wtthin llhaen (151 claya aller Iha &an ~ or. II a loin Is flied. wlthrn Maon (15) day> aller Grantor flu no'.... of the 'ding. MCUlllha dosc!\aJ'tle 01 the lien. or W r_1ad by Lan:lor, dopo>lt wi" Lan:lor calh or . ,UffctanI corpcnlG surety bond or othe> "",..1Iy ul1$laclory to Lander In .n Amount """""""' lQi ol5Cnar;e me 1101"1 p1lJS Iny costS 1M an~'1om. 01 Diner ;;harp ihci aJUlU lIW uIt 0 . ift~ v: i ;\:j"~"j,i;. Vi' ii. \it-~ ;:--.. ~.. ~; . ....... .....-, 07-02-1998 MORTGAGE (Continued) Page 3 - any contest, Grantor shall delend Itsoll and Lender and shall satisfy any adverse Judgmenl belore enlorcement against Iho Property. Grantor shall name Lendar as an addltionnl obllgoo undor any surely bond IUmlshed In the contest proceedings. Evidence 01 Payment. Grantor shall upon domand Iurnlsh to Lender satlslaclory evidence 01 paymant at tha foxes 01 assessments and shall authorlzo the lIppropllale governmental official 10 deliver to l.end... at any time a wrillen slalement 01 Ihe taxes and assessments against Ihe Propc>1y. Nollet 01 Conalrucllon. Grantor sW notify Lender alleest fifieen (15) deys belore any work Is commenced, any services are lurnlshed, or any motorlals are supplied 10 the Property, n any mechenlc's lien, materialmen's lien, or other lien could be asserted on account of the wor1<. services, or ,"alariats and Ihe cost exceeds 15.000.00. Grantor will upon request 01 Lender lurnlsh to Lender advanes assurance, satisfactory to Lender that Granlor can and will pay tho cO$t 01 such Improvements. PROPERTY DAMAGE INSURANCE. Tho following provisions relating to Insuring the Property ere. perl ollhls MOrlgage. MaIntenance 01 Insurance. Grantor shan procure and malnlaln policies 01 fire Insurance with standard ex1endad coverage endorsements on a replacement DoSls lor the full Insurable value coverlng all improvements on the Real Property In an amounl sullclent 10 avoid lIppllcallon of any COInsurance clause, and with e slandard morlgagee clause In lavor 01 Lendar. Granlor shall also procure and maintain comproh8nslve ganeral IIabIllIy Insurance In such cawraga amounts as Lendor may request wilh Lender being named as addltionalln,urG<b In such liability Insuronca polloles. Additionally, Granlor shaD malnlaln such other Insurance, tncludlng but not limited to hazard, business In!llmJpllon and boll... Insuranca as Lender may require. Policies shan be wrilten by such Insurance co"",an... .nd In such form as may be 19Qsonably acceptable to lendor. Glanlor shan deliver io Lender cerllIicates of coverage from eaoh Insurer ccnlalnlng e stipulation that coveraga wiU not be cancelled or dlmlnlshad without a minimum alien (101 ders' prlct writisn noflco to Londor and not containing any dlscl.lmer ollhe Insurers lI.blllly for failure 10 give such nollce. each Insuranca polICY also shaJllncluda an endorsement providing lhat coverage In favor 01 Lender will nol be Impaired In any way by any act, omission or default 01 Grantor or any other person. Should the Real Properly .t any time become localed In an area designated by the Diractor 01 the Fedara1 Emergency Managament Agency as a speclal flood hll2llfd area, Grantor agrees to oblein and maintain Federal Rood InsuranCe lor the lull unpaid principal balance 01 the loan, up 10 the mex1mum policy limits sat under the Nallonal Rood Insurance Program, or.s othocwlse roqulred by Lender, and 10 maintain such Insuranr.e lor the tann of tho loan. AppIIeeUOO 01 ProceedS. Glantor shall premptly notify Lender 01 any loss or damaga to the Property lithe estimated cosl of repa~ ... replacement excoeds $500.00. Lendor may make proof 01 loss II Grantor fal13 10 do so wI1hln fiftoon (tS) ders 01 the casualty. Whelher or nol Lend"'s security Is Impaired, Lender may, at Its election, apply the procoods to tho reduction of the Indebtedness, payment of any llan affecting the Property, or the restoration and repair of the Property. II Lender elects to lIpply the procoods to restoration end repair, Grantor shall repair or replace the dameged or destroyed Improvements In a manner satisfactory to Lander. Lender shall, upon sallsfaaDIY prool a' such a-<pendllure. PlY or ralmbUr$8 Glantor from the proceeds lor the raasonable cost of repair or restoration if Grantor Is not In default under thls Mortgage. Any procaeds which have nnt boon disbursed within 1 eo days aner Ihllir receipt and which Lender has not commllled 10 tho repllir or restoration of the Properly shaD be used flrst to pay any amount owing to Lender under this Mortgage, then to pay accrued Inlerest, and lhe remaJn.:ler, n any. shan be lIpplied to the principal ba1ance at tha Indebtedness. II Londer holda any proceeds aflor payment In lull of Iha Indill>ladness, such procllOds shaD be paid to Glantor. UnexpIred Insurance at Sale. Any unoxplred Insurance shaJllnuro to the benefit of, and pes. to. the purchasOl of Iha Property covered by !his Mortgage at any trustee's sale a other sale held undot the provisions of this Mortgage, or at any foroclosure sale 01 'uch Property. GrlIllor'. Report on InllUlllllCll. Upon request of Lend..., however not more than once a yosr, Glantor shan IumIsh to Lender e report on each e:ldsting policy of Insurance Showing: (a) the name of th~ Insurar, (b) the risks Insured; (c) Ihe amount 01 tha pol.." (d) tha properly Insured, tho Ihen curmat replacement value 01 such properly, and the manner 01 delermlalng that value; and (e) the oxplration dale 01 the policy. Grantor shal, upon roq"""t of Lender, haw an Independent appraiser satisfactory 10 Lender determine the cash value roplecament cost of the Property. EXPENDITURES BY LENDER. If Grantor falls 10 comply wllh any pnovlslon of thts Morlgaga, or If any action or procoedlng Is commenced that would mater1a1ty afl8cll.ender's Interests In the Properly. Lendor on Granto(s behalf may, but shaD not be required 10, taka any action that Lender deems lIppropriate. Any amount that Lender expends In so doing wal boar Interest at Ihe rate provided for In the Nole from lha date Incurred a paid by Lender 10 the dete of repayment by Grantor. All such expenses, at Lender's option, win (a) be payable on demand, (b) be added 10 the balance or lho Note and be epporlloned among end be payable with any inslallment payments to become due during elthor (I) lhe Ierm of any applicable Insuranca policy or (~) the romalnlng term 01 the Note. or (e) be troated as a battoon payment whICh will be d,'" and payable at the Nola'. maturily. This Morlgaga also will secure peyment of these amounts. The rights provided for In this parngraph shall be In addition 10 any other rights or any remedies to which Lande. may be entitled on account 01 tha default. Any sucll action by Lender shaD not be constNOd as curing the dol.ull so as to bar Lendor from any remedy that II olhalwlse would hsve had. Granter's obltvation to Lende." for all suc~ expenses shan suM'" the entry 01 any mortgaga foroclosur9 Judgment. WARRANTY; DEFENSE OF TITLE. The following provisions relating to ownership 01 the Property are a pari of this MOlIgage. TIlle. Grantor warrnnts that: (a) Grl.ntor holds good and marketable title 01 record to the Properly In lee 51mple, free and clear 01 AI liens Ind encumbrances oIher than thOS<l ~t forth In the Real Property de!.c.option or In Any tillo in~lIrAnco policy. titia ropOll, or final tille opinion Issued In Iavor of. and accopted by, Londer In connection with this Mortgage, and (b) Grantor has the run right, power, arnl authority to 6XBCUle and doIiver this Morlgaga to Lender. Deleo... of TlUe. Subject to the excepllon In the paragraph above, Grantor warrants and wiR loreVOl' defend lha 11110 to tho Properly aglln$! the lawful claln1l of "' persons. In the lMlnt any action or proceeding Is commoncod that questions Granlor's tilla OItlie Inlarrist 01 Lendor under this Mortgage. Grentor wR dcfond tha action It Granlor's expenso. Glantor may be the nominal party In such proceeding, but lendor wi be ent!tlod to parlIcIpate In the procooding and to be represented In the procoedlng by counsel of Leader's own choice, Ind Gcantor will dellVOl', or cause to be deIIverod,lo Lender SUCl1lnstruments as Lendor may request ham time to time to p...mit !iUCh parllc;pallon. Compllllnce With Laws. Granlor warranl> that tha Property and Grantor's usa 01 lno Properly complies with a.I existing applicable laws, cwdlnancos, and regulations 01 govolOmanlal aulhorilios. CONDEMNATION. Tho following provisions relaUng to condemnation oltne Properly ara I pari 01 thIS Mortgoga. Applk:8Ilo<1 01 Hal Proceeds. II all or any pari of the Property .. condMlnad by eminent domain procaedings 01 by lIlY proc:eedlno cw purcha>a In IIou of COndemnation, Lender may all.. election require thai all or eny portion 01 the not prtX'.oeds 01 the aWllfd be applied to the Indebtedness or IN repair or restoration oIlhe Property. 'The not procoods 01 the .ward shan mean the award after plymenl of aIIa<.1ual costs, axpanses, Ind allurooys'leM Incurred by Londer in connection with Ihe condamnntion. PnlCe8dIngL II Iny pre>..""""lng In condomnation 15 filed. Grantor shaR pro"",tIy notJly Lender In wrillng, and Grantor !iI...n promptly lake such $laps IS may be necessary to d<otond the a<~on and obtaln the award. Grantor may be the nominal parly In such prtlCt'tding. but Lender shill bl entI~ to part;clpato In the procoedlng Ind to be represented in tha proceeding by counsel ollis 0\\11 cholce, and Grantor wUI de!i_ a ca.... to be deIvored to lender such Instruments IS may be requested by II ham time to time to permit such plll1icipltion. IMPOSlTlOll OF TAXES, FEES AND CHARGES BY GOVE.RI'IMENT AI. AU'ittOHiTiES. 'no ioiiOWlno p",,;,;oOl.,,;,li"g I. goven"""":~':= "I'\"~" '1Y'1 An.... 07-02-1998 MORTGAGE (Continued) Page 4 and charges are a part 01 this Mortgage: Currenl Toxes, Fees and Charges. Upon request by Landor, Grantor shall execute such documents In addlUon to this Mortgaga and lake whal9Vllr othar setlon Is requesl9d by Lender to pertect and conlinue Lender's /len on the Real Property. Grantor shall reimblJn;e Lender for a/l taxes, as d9SClibed below, togelher with all expenses incurred in recording, perfecting or continuing this Mortgage, Including wilhout /lmltaUon a/l taxes, fees. documenlary slamps, and other charges for recording or regislering this Mortgage. Taxes. Tho fallowing shall consUtule taxes to which this section applies: (a) a specific lax upon this type 01 Mortgage or upon a/l or any part 01 the Indobledness secured by this Mortgege; (b) a specific lax on Grantor which GllIntor Is authorized or required to deduct from paymonls on Iha Indebtedness secured by Ihls type of Mortgage; (c) a tax on Ihis type of Mortgage chargeable against tile lender or the halder of the Note; and (d) a spocillc lax on a/l or any portion 01 the Indebtedness or on paymenls of principal and Inlerest made by Grantor. Subsequent Taxes. 11 any tax to which this section applies ts enacted subsequent to the deto of this Mortgago, thts 9VIlnt shaH heve the 5Ime affect as an Ewnt of Default (as defined below). and Lendor may exarcise any or a/l of its available remedies for an Event 01 Defaull as provldod below uniess Granlor Blthar (a) pays the tax before il becomes delinquent. or (b) contests the lax as provided above in the Taxas and Liens section and dopasits wilh Lender cash or a sufficient corpora'" surely bond or olher securily satisfactory to lender. _ SECURITY AGREEMENT; FINANCING STATEMENTS. The fo/lowing provisions relaling 10 Ihis Mortgage as a security egreemenl are e part of Ihls Mortgell9. Securtty Agreemenl. Thts Ins!rumenl shall consliMe a security egreementlo Ihe extent any 01 the Pnoperly consllMes ftxtures or othar pll<1on.t1 property, and Landor shall haw all of 100 rights ala secured party undor the Uniform Commercial Code as amended from lime to lime. Secu.ity Inl.r.st. Upon request by Lendar, Grantor shall execute financing statements and take whet..- otm.- acllon is requesled by Lend... to pllrfect and conlinue Lender's securily I"terest in the Rents end Personal Prop9rly. In addition to recording thl. Mortgaga In thl real prapetly records, Lender may, at any lime and without further authortzalion from Grantor, fi'" executed counl9lparts, cople5 or reproducltons of thtl Mortgsgo as a financing stelemen!. Grantor shan reimbursa Lender lor all axpanses incurred In paffectlng or continuing Ihl. secunty Inlof.sl. Upon default, Grantor shall assemble lhe Personal Property In a manner and al a place reasonably convenlanlto Gnlntor and lender and make It avallable to Lender within thnle (3) days an... rece;pt of written domand from Lendor. Addresses. Tho mailing addresses 01 Grantor (dablor) and Lendar (secured party), from which Informalion concerning the security Inl",..1 granted by this Mortgage may be obtained (each as required by the Uniform Commercial Code), are as staled an the Ilrst page of Ihis Mortgage. Fl-'lnER ASSURAHCES; ATTORNEY-I~ACT. The following provIsJons relating 10 further essurances and allo",ey-ln-lact are a part of thls Mortgage. Further AssuIllllC.S. AI any time. and from lime to lime, upon request 01 Lender, Gnlntor wiQ make, execute and dell'.-er, or wiD cause 10 be mada, executed or delivered, 10 Lender or to Londo~s design.., and WOOn raqueo;ted by Lendor, cause to be filed, recorded, refiled, or rerllCorded, as the case may be, at such Umos and in such offices and pieces as Lender may deem appropriate, any and aI1 such mortgallM, deeds 01 trust, 00CUlily d09ds, securily agreemants, financing stalements, conUnuation stalamants, instruments of Iur!hIlr assUTllnce, Cll<1IIIcaIa, and othar documents as may, In the sola opinion of Lendor, be necessary or desirable In ardor to effectuate, complete, perfect, continue, or preserve (a) the obIiOations of Granlor under the Note. this Mortgage, and Ihe Related Documents, and (b) Ihe liens and secunty Interests created by lhis Mortgage es first and prior liens on the Propllrfy, whether now owned or hereafter acquired by Granlor. Unloss prohibited by law or agreed to the contrary by Lender In wriUng, Grantor shan reimhurne Lender for all costs and expenses Incurrad In connectfon "'ith the mallm refelTocIto in this paragraph. AtIomey....~ect. If Grantor lalls to do any of the things relemld 10 In lhe preceding paragraph, Lendor may do so ICX' and in the name of Grantor and at Granlor's expense. For such purposes, Grantor herelly irrevocably appoints Lender as Gnlnlor's attarney..jo>-lact for tho purpose of making, executing, dellver1ng. fling, recording, and doing all other things as may be necessary or deslrabla, In Lender's sale opinion, 10 accomplish the matters referred to In the preceding paragraph. Fl.l..L i'tKFOOMAIlCE. If GnIntor pays all the tndebtedness when due, and olhmwise pertorms all the obligations Imposed upon Grantor under this M~, Lender shaH executa and dollvur 10 GrEnt'" a suitable satisfllcllon of this Mortgaga and suitable statements oIlerm1nallon 01 any nnanclng statement on file evidonclng Lender's security interest in tha Renls and the Personal Property. Gnlntor wiD pay. II permitted by applicable law. any reasonab~ termination foe as dolerminod by Lender from timo 10 time. OEFAt.LT. Eseh 01 the following, at the oplion of Lander, shall constitute an .....nt of detaull ("Event 01 Dolaulli under this Mortgage: Delautt on Indebledness. FaJlure of Grantor 10 make any payment whon duo an lhe Indebledness. Detaull on 0Iher Paymenls. Failure of Gnlntor ""Ihin tho lime requited by this Mortgaga 10 make any paymenl lor !axes 01 InsurallCll, or any other payment I1ll<:9Ssary to prevent filing 01 or to effect discharge of any lien. Compliance Defautt. Fallum 01 Grantor to comply with any other term. abligaDon, covenant CX' condition conlalnod In this Mortg"98. the Nelo or In any of the Roialed Documents. Default In FIYOf 01 Thlrd PlOl'ties. Should Granlor dorauJl under any loon, extension of credit, security agroement, purchase or sales IgtHment, or any lthar agreemen~ In lavor 01 any olhar credilor or p~n that may malerially aflecl any 01 Grantor's property or G<antor'l sbWty 10 repay lhe '''''''' or Gnlntar's ability 10 P9rlorm GrEnier's obllgalion. under this Mortgage or any of Iha Related Documents. FilM Stalemetlla. MY w8lTl1nty, repre<..entalioo or slaloment made or furnished to Lender by or on behall of Grantor under 1m. Mortgage. lho Nolo or the Relaled Dccuments Is f&!sa or miSloading in any msleNl roopect. BIther now or at too 5ma mad. or flnnhod. DeteclIve ColIaleraltzalton. This Mortgage or any of the ReJatod Documents ceases to be In fun torca and ellocf (Including td..1 of Iny call.ll.lIill documents to aoalo a "alid snd portoc!od securily Inle<ast or lion) al any time and lor any reason. Deafh 0< ';'II'ofvency. The death of Grantor or the di:$OIullOll or larminalion of Gtanlor's ClJOStonce as a gOing bUS'...., tno InWvoncy of 13<10101'. the appointment of a roco/vor for sny part of Grantar's property, any aSsignmenl for the benefi' of crodItcn. any typo of C<lIdnor wQl\.oul. Of Ihl commencement of Iny proceeding under any bankruptcy or Insolvency laws by or against Grantor. Forfdosu<e. F0I1ellure, ole. Commence"",nt 01 foreclosure or lorlaiture procoedings. whether by )udoCl&l lX""""o.rog, NIt-hoIl>. 'opo...,.""",.. any other method, by any credJlor of Granlor or by any govemmental.gency Igalnst any Of the Paoporty. H........,." tho> tl.bM<toon Wi ,,'" 1j'lJlr in !he ....m of I good tailh disputa by Granlor as to the valodily or roasoaabklness of the claim whlcl1 " !hi bl... of ''''' ,,""""..Uf. 01' '''_Ufl ptOCll9d>ng. proVldod that (hntor give> Lender Wtitien notice or.uch claim Ind furn;.heo re!.O<'YeS or Illnly MOd lot tno ell,,,, &.tllttorttry to Lender. Breecll 01 Olher AgreemenL My breach by Grantor under the t",ms of sny olher aw-nf befwoon GranlOl Ind 1_ I"'" II nof ''''''''lio.I wtttWt &"y grace prtod praw:Jed thor-Bin, induding Wfthout Iimitabon anv 8Qfoomenl conc.Rmln:;! !rty ~~~: ~ =!=' ~;:.;.... ,;: t..;~ ;,.; t.;..-~. ...7"tiP.I"':'.r.: t'!~ilng now 0/' later. 07-02-1998 MORTGAGE (Continued) Page 5 - - Events Allecllng GUlIflIlIlor. Any of the preceding e'Jents occurs with respecl to any Guaranlor of any of the Indebtedness or any Guaranlor dies or becomes Incompetent. or revol<es or disputes the ....lidily 01, or liabilily under, any Guaranly of the Indebtedness. Adverse Change. A materfel adVlllSll changa occurs In Granlor's flnanClal condition. or lendar believes the prospect 01 payment or performance of the Indebtedness is impaired. Insecurity. lender in good faith deems ilself insecure. RIGHTS AND REMEDIES ON DEFAlJ.T. Upon the occurrence of any Event 01 Default and at any time Ihereafter, lender. al its opUon, may exorcise any one or more of the loll owing rights and remedies. in addition 10 any other rights or remadies provided by law: Accelerate Indebtedness. Subject to applicable law. lender shali have the right al its option without notice to Granlor 10 declare the enUre Indebtedness immedlalely due and payable. UCC Remedies. With respect to aU or any part of the Personal Property. lender shali have alllhe rights and remedies of a securlld perty under the Uniform Commercial Code. Cofleet Renls. lander shall have the right. without notice to Grantor. to lake possession of Ihe Property and collecl the Rents, including amounts past due and unpaid, and apply the net proceeds, ovw and above lender's costs. against the Indebtedness. In furtherance of this right, lander may require any lenant or oIher user 01 the Property to make payments of rent or use fees directiy to lender. If the Rents are collected by lender, then Grantor irrevocably designales lender as Grantor's attomey-lr>-lact to endOtSe instruments received In payment lhereof in the nama of Granlor and 10 negotiate the 52me and coIlac1l11e proceedS. Payments by tenanls or other users to Lender In response to lender's demand shail satlsly lha obligations for which lI1e payments are made. whelher or nol any proper grounds for the demand existed. lender may exercise Its rights under this subparagraph either In person. by agent, or through a receiver. Appolnl Receiver. lender shail have tha rlghlto twve a roaNver appoinlad to teke possession of ell or any part of the Prope<1y. with the power to prolacland presarve the Property, to operate the Property preceding fOfllClosure or 52le, and 10 colleclthe Rents from the Property and apply the proceeds. over and above the cosl 01 the receivership, against the Indebledness. The receiver may serve without bond If permllfed by law. lender's right to Iho appointment 01 a roaNver shall exist whether or nol lI1e apparenl value of the Property 8lCCeedS Ihe Indebtedness by a substantiel amount Employment by lender sheli not disqualily a person from serving as e receiver. Judicio! Foreclosure. lender may obtain a jUdicial decree foreclosing Granlo~s interest in an or any part Of the Property. Possesalon 01 Ibe Property. For the purpose of procuring possession ollhe Property, Grantor heraby authorizes and empowers any attorney of any oourt of record in the Commonweellh of Pennsylvania or elsewhere, as alforney for lender and all persons claiming under or through tender, to sign an agreement for entering in any competent court an amicable action In ejectment for possession of the Property and 10 appear for and confess Judgmenl against Grantor, and against all persons clalming under or through Grantor, for the recovery by Lender of pOSSession of lhe Property, without any stay of 8lCllC:utIon, for which this Mortgage, or a copy of lI1is Mortgage verified by affidavit, shail be a sufficjenl warrant; and fIlereupon a writ 01 pll'isesslon may be Issued forthwith, wllhout any prior witt or proceoding whatsoever. NonJudIcial Sale. If permitted by applicable law. Lender may lorecloso Grantor's interest In all or in any part 01 the Personal Property or the Real Property by nonjudicial sale. DefIciency Judgment. lender may obtain a Judgment for any deflclency remalaing in the Indebtedness due to Lender alter application of an amounts received ~om the exen:ise of the rights provided in this section. Tenancy et SUlIerence. If Granlor remains in possession of the Property after the Property is sold as provided above 0< Lender Olherwlse becomes enVlted to possession of the Property upon detaull of Grantor, Grantor shan become a tenant at sufferance or lendar or lhe Purchaser of the Property and shall, at lender's option, either (a) pay a reasonable renlal lor ll1e use of the Property, or (b) "acate the Property Immedialely upon the demand of Lend.... Olller Remedies. lender shaU have an oth... rights and rllmedies provided In this Mortgage or the Note or available altaw or In eqUlly. Sale 01 the Property. To the extent permitted by applicable law. Grantor hereby waives any and all right to heve the property marshalled. In exercising its rights and remedies. lender shan be Iroo 10 sell aU or any part of lhe Property together ex separately. in one sale or by aeparate sales. Land... shen be entillecl to bid at any public sale on aU or any portion ollhe Property. NoUce 01 Sale. Lender 5o.,.n give Grantor reasonable no~C9 of the time and place 01 any public sale of lhe Personal Propertl or of the time aft... which any private sale or other intended disposition 01 lhe Personal Property is to be made. Unless otherwise required by applicable law. roasonable notice shan mean nolico given at least ten (10) days belOrllthe time of the sale or disposition. Waiver; ElectJon 01 Refnedle8. A waiver by any perty 01 a breach or a provision of this Mortgage shall not constrtute a waiver of or prejudICe the party's rights otherwise 10 demand slricl compliance with that provision or any olh<>' provisJon. Election by lender 10 pursue any rllmedy Shal not exclude pursui1 01 any oIher rllmedy, and an otection to make expenditures or take action to perform an obligation 01 Granlor under lIus Mortgage alter talura ot Grantor to perform Shan not allecl Lender's right to decIaro a default and exllft:lsa its rllmedies under this Mortgage. AtJomeya' Fees; ExpenSlOS. If Lender Institutes any suit ex don 10 enforce any ot the terms of this Mo<tgage. Lender shall btlefltilled to '8COVOr such sum as the court may adjudge roason.oble as anorney<' foes al tnal and on any appeal. Whether or not any court .ction is Invo!,'ed. aI roasonable axpenses Incurred by Lender that In Lender's opinion are necessary at any time for the protection or its Interest or the enforcemenf ot its rights shall become a part of ll1e Indebledness payoble on demand and shaJI bear inlerest from lhe date 01 upenddure unlil repaid altho rale provldGd for In lI1e Note. Expenses covered by this paragraph include. without limitation, hOWllVer subject to any hmils under appUcabIo law, l.eoder's anorneys' toes and lend.Ys legal e:cpenscs whether or not there is a Iawsull. including attorneys' fees for b4nlu1Jp1cy proceedings (Including efforts to roodlly 0< vocate any autOlll.!tlC slay ex injunction). appeals and any anlicipaled pos!-iudgment oollection .......'lCM. the COSI 01 searching recorda, oblalnlng lIllG reports (including fOftlClosure reports), surveyors' reports. end applllioallBOS, nOd tile ins...""", 10 the extent permltled by applicable law. Grantor also will pay any court costs, in addition to all other sums P"'''ded by law. NOTICES TO GRANTOR AND OTHER PARTIES. Un~ othetwise provided by appllCable law, any nolico under lIus Mortgage shall be In writing. may be senl by leIefacsimlle (unless 01_... require:! by law). and shall be effective when actually d_. or when cle?OSl1ed with a nationally rocognl:aod ovomi;lhl courier, ex, H ma~. shall be deemed effective when deposited In the United Stales m.alI firsl ctas.s. ce<tifoeQ or roQIStar-ed mall. posla;/o prepaid, dlrecled to the add.......,. shown neer the be\l,"ning oIlI1is Mortgage. Any party may change Its addteu for notices under !his MO!tgaQe by gMog fClrlllll1 wn:ten nollCl! to the other pat1~ 5PllCI~\ng lhallhe p~ o! the notice is to change the party's ad<tust. AIi copin 01 notices 01 foreclosure frOm lhe holder of any 11M which has pnorify rNor this Mortgage shal be senllo Lend....s adc)"ess. as shown near the beoinning cA this Mortgage. Fex nol<:e purposes. Granto< agrees to keep Lender In!O<med at as time. of GrantClf'S CurT""t address. IolISCB.LAHEOUS PRDvlSIOHS. The follOWing mis<:elleneous provislo", are a part oIlhrs Mortgage: Arrl<MmenlL This Mortgage, 10Qe1her with any Related Documents. constitutes the en"" urlderstanding end ~t or tho part... a. 10 tho ~..... A~ _... "IQC:: 07..{J2-1998 MORTGAGE (Continued) poge 6 matters set forth in this Mortgage. No alteraUon of or all\9ndment to this Mortgage shall be effective unless given In wr1l1ng and signod by Ihe party or parties sought to be charged or bound by the alteration or amendmant. Annum Reports. If the Proparty is used for purposes other than Grantor's residence, Grantor shall furnish to Lend..., upon requoll. a co'Mod stalemenl 01 nel operating income received from Ihe Property durtng Grantor's previous fiscal yeer in such lorm and detail as Lendor Ihall 'equlre, "Nel operaUng income" shall mean ell cash receipts from the Property less all cash expenditures mede In connecllon wllh the operation of tho Property. Appllc8ble Law. This Mortgage has been deltvered 10 Lender and accepted by Lender In Ihe Commonwelllth 01 PennsylvllOla, Thl. Mortgage shall be governed by and consltued In accOrdllOce wllh the laws of the Commonwealth 01 Pennsylvania. C4pUon Headings. Capllon headings In this Mortgage are I'or convenience purposes only and are nollo be ",ed to Intorp,et or dollno Iho provisions ollhis Mortgaga. Merger. There shall be no merger 01 the Interesl or estale crealed by Ihis Mortgage with eny other Inleresl or eslalo In Iho P'OPOfty at any limo held by or for Ihe bonefil of Lender In any capaoity, withoullha written consenl of Lender. _ Multiple PlIr1les. AD obligations of Grantor under Ihis Mortgago shall be Joint and several, and all reference, to Granlor ,hall maan each and overy Grantor. This means that each of the persons signing below is responsible for all obligations In Ihis Mortgage. Severability. If a court of compalenljurisdlctlon finds any provision of this Mortgage to be Invalid or unenforceeble al 10 .ny pa"on 01 cin::umstance, such finding shall not render Ihat provision Invalid or unenforceable as 10 any other pt.mlon, or cln::umstan=. if re.,lbJe, Any such Offending provision shan be deemed 10 be modified to be wllhln Ihe limits of enforceability or validity; howel/llf,lf the offending provl,lon rAnnot be so modified. it shall be stricken and an other provisions of this Mortgago In ell olhar respects shall remain valid and anlOfCOIblo. Sl0eee9'..... and Asslgns. Subject to lhe IImitaUons stated In this Mortgage on transfer of Granlor's Inleresl, Ihis Mortgage shoJI b. bInding upon and Inure to the benefit of the parties, lhelr heirs, personal representa<<vas, successors and assigns. "ownership of the Proporty b..o,""" _led in a person other than Granlor, Lender, without notice to Granlor, may deal wllh Grantor's successors With roference to thl, Morlgall" and Iha Indebtedness by way of forbearance or extension without releasing Grantor from the obll\)allons 01 this Mortgago or Iiablilty under lho Indebtedness. TIme Is of the Essence. TIme is of the essence in the performance of this Mortgage. Waivers and Consents. Lander shall nol be deemod 10 have waived any Mghts under Ihis Mortg.ge (or under lha Rolli." Documents) unless such wal\l9l' Is In writing and signed by Londor. No delay or omission on Iho port of Londer In ""orel,lng any nghl aha" oporlte as I wII_ of such right or any othor rtght. A wa/I/llf by any party 01 a provision ollhis Mortgage shall not constituto a wall/llf of or pl1lJudlco lho party's right otharwisa 10 demand slricl compliance wllh thai provision or any other provision. No prior waiver by Lender, nor eny courso of dallUng botwoon lender and Grantor. shall constitute a waiver of any of lender'S rights or any of Grantor's obligations as to any futuro trln~actlont. Whenever consent by Lend... Is required In this Mortgaga, Ihe granting 01 such consent by Lander In any Instance shaU nol conslllul. conUnulng con.anllo subsequent instances where such consent is required. EACH GRANTOR ACKNOWlEOGES HAVING READ AU. THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TERMS. THIS MORTGAGE HAS BEEN SIGNED AND SEALED BY THE UNDERStGNED. GRANTOR: ....~...... ....................tp;;... ......~................. ......;;&......... ......... X'.~.'t'../. ""'""\,:...",,.,,,. . D. T1ml.h,Jr. ./. . .. ...........,..,_..-....,.............-... ." "..,"'., (SEAL):''< x"~fl ~-I'../L;.PL, BeMor A. Thro"" (S!AL) / CERTIFICATE OF RESIDENCE I hereby cartdy. lhal lha precise adclross ollhe mortgagee, Flnanctal Tro$! Company. horoln Is as follOWO: One West HIgh Street, Cllrflsle, PA 17013 , fP,-~0?; 1:..f..(} -- -. -C ~S~...,-= ",-.-,.-- .'hll'M 0' "Q'lnl fa "'l"I01"'" "\ -- 50u11467 raGE .386 07-02-1998 MORTGAGE (Continued) Page 7 INDIVIDUAL ACKNOWLEDGMENT -"~'mTioF"-~",c;.Y\:'6N.O' I . CO~~OFG J~~~~ .ISS . . ... . 17 ~ . ~ ~ 19 q i before me S~~~\ VJ. \\:,\\e-~ ,",e On this, Ihe (I- day at <-.: ~ . ::-.tiltSeanor A. Thrush. knuwn to me (or sallsfactonly proven) to be e person unclafSigned Notary Public, per.;onally.pp~rlrued pa~ D~.r.:~~::edged that they executed the same. to.r Ih. Purposes~thereln contained. - whose names are subscrib~ to the W1lhln inS men. a.. .~. '"? ~. .In Wible.. whereof,l hereunto ..t my hand and official sed. . ~L - . -::tary PUbl~ In a~~fQ( the S!at~.~f ~~ ~y \Jc:..N '<-. P I &rM Ofl VI< 3 "(C) 1"8 CFIPrOServlctl,tnc. AllrlghISrC$crved.IPA~G03THRUSHJR.LNC.3.0VLl .. . .' .: LASERPAO.ReG,U,S. t. .. ., .. . ", .' '. . . . .~'.' '. . NamIl1AL ~L SMoCua W. loliUiES, lfGWlY F\llll.IC r".llUS1.f llQRO.; CUt.\IlSi\Al.'U C'JIllllV .. JtVCOIIMtSSlOll E(FI!\6 J\JL Y '0. 1938 .. '"::::. . ""'~':::' ::i~; lot ,~~:~;: ,~ ~~;.:~.:..::~:;:::~):~l~;~~~~~~, "....,17 1Z:J'....... ,I' ;.' in Dickinson Township, Ctmlberland County, PennsYlvania, bounded and deacr1bed as tollows: BEXlINNJ:Nll at a spike in the centerline or Pennsylvania Route No. 17~, on the line ot land now or. tormerly or Glenn Gllbert; thence along .the latter, North 10 degrees 00 minutes ~9' seconds West, a d1.stance or 189.93 teet to an iren pin on the line or. land retained by the GrM.tors hereUl; thence along the latter, North 79 degrees 09 minutes ~O seconds East, a distance 01' 269.29 teet to an 1ron pi:1; thence along the same, South 08 degrees 01 minute ~2 seconds East, a ~stance or 187.00 feet . too a spike in the centerHne ot said Pennsylvania Route No. 17~; thence along the latter, South 78 degrees 30 minutes 00 seconds East, a distance ot 262.88 teet to a spike, the Place 01' BEGmNING. COll'l'A!lUNG .969 acres and be1ng desc:-ibed accord1ng to a rinal subdiv'-Il10n plan tor Paul Thrush, Sr., by \/ilbc.r H. Clitton, R.S., dated June 29, 1978, and recordel! :Ill the orr1ce or the .Recorder or Deeds ror C=berland Ccunty, PennSYlvania, :Ill Plan !loole 33 " Pase 76 Lot No. 1 thereon. , ~~d be1ng designated 8.8 eo~d467 fAGE J.87 ...... ...~ -. ._.._..._~~,...._"'. . .....".. -"'-"'" .. ! p.,.,."'_WII,.nlv Oofd, IIhott ,0IFn. Act of leot-An'lnl_ '''' ",C1Io-R.Cordlft; I "on", Htn, Inc., I"'IIIM, ,.. ~bi~ ~ttb, MilDE TilE t~' of our Lord "". t/unJ.and nine hundred d4v of ~....../.L. seventy-eight (1978) in lh. vear RETWEEN PAUL D. THRUSH and MARY 0, THRUSH, his wife, of Dickinson Township, Cumberland County, Pennsylvania, hereinafter called GranlorS , and PAUL D. THRUSH, JR. and ELEANOR A. THRUSH, biB wife, 01' R. D. #5, Box 459, Oarlisle, Cumberland County, Pennsylvania, hereinafter called Grallte. s : WITNESSETH, that in cONid.ration of One and no/100------------------------ _____---------------------------($1.00)----~----------------- DoUan. in hand paid, the receipl wher.of u herebv /U1cnowledged, the laid granlorB do h.r.bv gralll and convev 10 the .aid grantee s, their heirs and assigns, as tenante by the entireties . ALL that certain lot of land with the improvements thereon situate in Dick1neon Township, Cumberland County, Pennsylvania, bounded and described ae follows: BEGINNING at a spike in the centerline of Pennsylvania Route No. 174, on the line of lend now or formerly of Glenn Gllbert; thenoe along the latter, North 10 degrees 00 mL~utes 49 seconds West, a distance of 189.93 feet to an iron pin on the line of land retained by the Grantors herein; thence along the latter, North 79 degrees 09 minutes 40 seconds East, a distance of 269,29 feet to an iron pin; thence along the same, South 08 degrees 01 minute 42 eeconds Eaat, a distance of 187.00 feet ~o a spike in the centerline 01' said Pennsylvania Route No. 17~; thence along the latter, South 78 degrees 30 minutes 00 seconds East, a distance of 262.88 feet to a spike, the .Place of BEGINNING. CONTAINING .969 acres B.nd being described according to a final subdivision plan tor Paul Thrush, Sr., by Wilbur H.Cl1fton, R.S., dated June 29,1978, and recorded in the Of rice or tho Recorder of Deedl! for CUJ1lber1and Ccunty, Pennsyl vania, in Plan Book 33 I Page 76 , and being designated as I Lot No. 1 thereon. BEING part of the same property which George W. Weit:.:el, widower, gr~nted and conveyed to Paul D. Tnru5h and Mary O. Thrush, his vireo Or..ntor. herein, by Ceed dated Ausust 17, 19~8 and recorded in the ~28 ~A:[ 413 I . E3:~_ . . i" ILM~' ... .:....... .L b.. -_ f ~Ilo. b.!.~l:o.-...., . ~ II' b.A ...... 4ll~" . -~.. --" -,-..-.. .,........ .--- --~_.,,~_._-~......_- --_.-- .--.......".- .._~...... .-. Office aforesaid 11\ Deed Book "W", Volume 13, Page 433. Thi8 conveyance ie a non-taxable tranefer trom parents to son and daughter-1n-law. . .--.--...--..-.- AND lluI Hid DJ'GKtorIl lulf'ebll COI/8114nl ~nd /IIIr18 IIl4t they IOill WGn"Qm generally tile property lulf'ebll COI\~"IIed. r IN WITNESS WHEREOF, ,~/d Dntntor6 h4ve her.unto 181 tIuI dall ~nd lIe4r flnl above Wl"UUI\._ .-' t he 1r /land s and..1Il 8 ~~~.__.._-~ tlpt)....ldnlPdilod PAUL D. THRUSH ~ ~11I~'ia:. -'---' .-.-.-.---.@ _ _ __.__..___ oJ'. (!! . ~A1f.'l.t'HR~._..e _._~.___- l.----.----.---.-.,e state of PENNSYLVANIA l cOlt7ttll of CUMBERLAND. f"' 0" tIl18, the z.... dall Of~""" ,1878, b.{orI "", 1M It"der,;gl\lld olfton', peno",,"lI app600red Paul D. Thrush and Mary C. Thrush, hie w1re, lmDum to "'" (or ,at18fadorilll prolItlI) to be IIIIp.""" II wlw!l4IM s are lllbIonbed ~ Ih. ;. .~. I~li&~... /l.OkIW1nlelf,ge<l that they .....cuteet 141M for tIuI ""!'po... t4mi.. {Hit....'., ~~~j~~_l;ftlEREOF, I "~lo ,ft /laM and 01fl,oiD.l~' ..,0.', h1" ~ I 'i e:: . ; :;.~' , , I E I . ....: !! : ......... .-. - .-....-.--.--.-.......-...-..-e "',\'\i "":'I.,:'i'':'~'v'..... ROCtA' .I~\t.'l fo; HI\' Pu&L1C , . ..'l.....,,():...~ '~.oo tJ,'llSl180'OU"~. " ~~\!-!lH!1V.m..........-..-..._..-.-..__.__.- .... J", III CQWWI$$IQ" W'iRts 0<.1. I. mD Tilll of 08krr. I d4 Mnbll urtifw lMt till IlreNe ~e o.nd COfIlplft, ~Il ofMf G44.u, o/tIl,tcitll..........e4I1n>..t.. au X.2> Ii~, 4n' \I.. Cd.-~J.;A. ...~. /><:>11 .' ~. U' u 78 ~28 'f,cr 414 _~ 2"~~.~,__ Atu1n\17 {Of' Ore.vHCf. "i'....... ;' .' " 'j I \ ~ " I , ! ~ ! i :, .i , , 1'.IOT/C~:: lJ'- '.v:~',V!,'C"\J ;""1_': ,'=Q/::,':'S'~C:<:;:~:' 'vi ~):~ "~''';. .,..--,-' ,.... . Eleanor .fl... Thrush._.,.... ._,.- "-. -. .. .'- .. .972 West..Old .York ..Road ... .' _..Car Usle..1'L.tZOJ.l--. ,. .-.-, -.'...-...-- .:,,,',' " November 3, 1998 I.'L .313435-30015 r',':..'~:JIFGAC=:1<~:I~I)'i...F.inancia1 Trust CQ. .. ;hcI"',,:;tl';r """. ~I~ cr 0""'; on your vo[)o.r\V IOC31::1I ill . V2.Jlest. Old. .Yo,r.k. Ro.ad, carli 51 e ,P.A._..l7.0J 3 JS I i'l .'ST ::; ,(,US DE FAll L T biX3USf..' VOlt ila~ e nui. made the rt!nf1lhlv p"l.~'H":'d~:; ,.,," .': 1 __1.16. 76~. . fa, tn~ II:ulll!>S of .. ,S,gpt.effilleL ..____ ..'.. _, _QC.t9.!:>er. ..__..... -., ..-- . d.' : _.Nav.ember 199.8 l.." -.'(~:~.../" l,:",'C,'l! :.~fJ .... L,~ti; .:p Jr!;if.'S ~rd c'!n,:r d1a:Jl:S hElv.: 3lSlj d;xn:ed to this rJ.:::c: in t.l't~ ]H1C'Jl'it :~t $111.68 'jI'<~'I,:-,1 1:.....\.\' rdiUln~d tc (~un~ i~ic: df.'~.!tdt. or it: i)th..-:r word:;, (jet :::idgnt \If I :'- 1;'(1:" t.,'," H!':. :';~3,461.96 r;-';~ ~Otaj . .... \..,r this 't'..", "',~v rUff. rhis ddaulr within THIRTY (30) DA YS of the date of r:~IS !et;d. (Ii" ."-'Viol" to':; of 'S 3,461.96-.. . .'_.~, plus any 3dd/t(onaf month/v pavmen(s dfvllstf.! ,--",h..Jr~',~' 1,:.":. I: .';;~~ ;Jt'flOii. Such pa'1rr1'~rt must be made Hither by ca~h. cashiN's chec~., l~p.njflerl Ch2CJ<.. ..'or' ,",;1( , \~'. .____ ___ EinanciaLlr.ust.Co..---.---..- ..... _..._ _n__'un__._______ ,.... . . :.,'1:': Db!),...; amount , .;:,'.' .:.:'.~:<.'/ :'n,? !hi:; . r...~:;,. ':"'(:,'1 r"'h!(h~ at ...----, :f you du not cure the debutt within "THIRTY (30,! D.-\YS, we intcn.i:c dXi.:Xi,:, ~I'. ;:} :: :-.f:tf:.'3tl..' t}lI: rnort!:/tlgt: paymt}t1ts. This :n.;ans that whatever is owing on the original amcu:n torlt_j','./!:;:r~ 'I\:;~ :10 VJn~iccr~d {jue immediately and you mav lose the chance to pav off the original f';1ortgage ir. monthlv i:.!'iP'~:.:'~..,~;:. !r Ti;]; p..1vnwnt of rlw iJn:cur.t of default is not nlude vJit.hin THiF'TY {3G) DAYS, Wt' also inrp.fJd t!i ,"'st,I::.' ,~~/' ,'(I )(,';,"v'~:i) :;wrt a IJ\'.'~!.r'r't to forec(ose Four mortgaged propf'rtvo If the mortgage is fOreClOSed your mort:~~,;~:C'i .'..J,' 1.\Cf.lii~' wiif h:} sold lW the Shpr/ff to .:Jav eff the mortqage debt. If we refer YOllr case to our attorne'/s. hut ,/t,ll: C:!f:! i:"~ d;/:,td,: t.ef11re they L~:~I'-j I~_\(](il pli)r:r:cdipl)s dgail1st you. VOl,1 wH! still nave to pav the reason?bk arton.,.,.:':; '.~'~'-~:J, ;:.c- I:.,:;V :n,:llY''t'd. up to 550,00. HOl,'vev~r, if legnl prcceedillQs are started against you, you willlli1Ve tG pLl'y' f'F: i";"L:::.IIJ~':n .::t':.r,1t~V'S feE5 even if .h~:\1 W'C' over 550.00. Any nttorn8V's fees will be added to wh:nevr;r yell C'WF. U': \,\:1.,;,0:-: :'1:." "lho include our r'.:cl'lOll.:r:.i-: costs. It ~'ou ('un! th& dei~",tt within [hl~ th!'rtv day period, j/Ol! ~ti/i r.l.J,'l'r; ..-.:.J....; ,,I) " t:. )'.1:'" .Hi",);,:;e~/"s fees. We may also sue 'IOU personally for the unpaid pril'cipal balance ar.d all other sums dele l1n(h~ :ne mortqage. 11 you hi.1ve not cured the default within the thirty dav pencd and fO"\!C~OSLlr~ :~,.J':__:"~~;:'~l~' ;-",\: b:t.;cij. yeu still h~.'\(e t'W rlgtu to cure the c.'etiwlt dnd prevent tile sale at any time up to anrll100r boio;;,.' Uie ';h~.r.",r.c's /or:"L/u.ilj{e la/e, \'Od !l!av do so bV P,1V,il1g the total amount of (he unpaid mon:l1!V pavmeqts plUfl iJt:~.-" .1:~19 .~:, ::thc,'- .;h.:':';/;~~ t:7en c,'!je, ,';S I.: t.l/" ~s the f(:3sondb/c attornev's fees and costs conntxted witI-; the for~clOs~,'n} /1/ , . j, ,..-.f .. '.'; ':~"'I' .J':. ;'.!'he" re':7uire. I1hJ/1ts under the Inortgage. It :s est~mated that the ~3r~jest date thot ~uch ":l S:,:,.:~..T.; ~:j;: ':C';I;~ ~::: :h~~d vvcu.ld be al.\I1.-....,:..ir'.<H~h ..120-. days '0''; not!ce of ihc date of ~~"1~ Sh~r!ff S2;e win ~tj ~~~:~ to .".; b,.,',.~:r:~ I::"" :':ili.; ,J: o::nlqS~. tl'),~: ~:;":)L:r;t re~l!t:d to t;\.lr~ ";.r,G debult \Ni:~ ;Tlcr~3':C tl1,3 !nr:r;r.r VOl; \\'311. Y',:'.l,.nJ ~,.~ -, -.~' ~ '.' ,".: ;':~\\; \.Vh,~t ihe J'-:;c:uircc.: p'.Vr,~~nt wii! b~ bV caHing us ill the fol~o\\':ng p~riber; 2.it:11.59____.. T':: ,.~:::ili~':,-:~ ;~1!.;:::~ ~~c in \.':{J:.:h, I:":~~":,::r'.; c!"('ck, certified -:!v::ck or f1i0I1€"1 order and ;""~idc p<3.....able to us at tho::' ar.(~rf~~ S:;.~!t'(j:1:iC"'/;;. '\ '~'l' ~,:~c,..~:i f2;'iiZ~ In;::t a Sheriff's sale \v:jj enr~ 'y'e,ur ovv:1Crshlp cf ~\-:t; n~(',i'~~},l;jf.d :::!'-;j':'1", ,,('_1 \/:J.I~' rigl'1 ~'-~' r~il13ir: ;'..17 ;i '.'OU c~;,,~jnllo? to !!VP. in the prnp~rtv after thA Sh€r;ff's sale.:;; laws~:i. cCLdd;F ~~,~"''''~'',:~,) ','/n V.)t: :',.' ,; :~,;;;:t;.'.~;;i '~'~1;'~~ f:- "{.:!: :,',.:~tl.\ " ,)\' ':',..rc:;i IP ~I \~ I)r':,.-~' 7 '. :~,I \,.....;,..~~~.'( 1'...1 CST;;.;,Ol :\';(II\E': Te ?,,~' ,:~;::: i'HI; ~,~'::"FT2..~'::~E :::'~~,- . I.l"-',l':,: tE~:;'I:~.: i\,:~::"I't'T:0:'~ '-,- .;,./ (=~ -~J1S::c3T. '/C" .,';;.\ '-', i ',. ~. .: T;...L: .~~:' ,.~,/'., \!l,C"\:,~ ~;F:C~,:' . '. -, ~. -: : 1_:~ ::r: ~ L-.'.'." ~.:' ~; ~ ~.. \~E ;;~'<'."";'~~.~' "', :::!..'~;::cr " ,~ 7l'~, , . \/'1,.~ :-","" ~;.\C;: -:'" " I";,' . '--. ....~; :'\i': '~.,~ ,'!\):;.;I_~..~GE ~.'::S7. ~.-: .'\ :C:t=.:'-" ~ ;.J_\:' ~,:..'_ h....: ,~l, ..1. ~.'~"'..;::\'S '~E:::,~; ~\\(l C'~:S:S,\"~i~ ::;\, ?o,r)r-'lC (1~~ ,";,1" .... .~ .~,'.!' :> , ..... ':- ~ ~ ,-~'~:.; t".-' ",,~ ......l..: " -, - ,. II E[;IT_l , J' '_ I ~t>-l-'-'--~\.~~"''''''''''-tO._ ~._,,, " 11___......-..I.__I.....:lfl \Jnr"lrn1l1 nfflcer 1\""7' '1 u "U,",,"V"V, ,VUIO oou, ..--- - '. '.iO'.~/I"C' 0:= IM-;-,=,l,<....;~.,v ~'.I:; :;'-Orj'ECL03= :','.....;, '. ......--' rc: . paulJLJ~XJl_S!k..ilL__..o_ .. '.__'_______..___'_.... 972 West Old York Road '''-Carli sterle ri61'3'=~=~===_._:=-_~:~ =-~_~ ''-Ja~~ '.' ~'!'\_;;, Novewmber 3, 1998. '."'1 "" 313435-30015 Th2 MORT(:'!\GE held by financial Trust Co., O' ..._._ Ihereinafter we. liS or ours) on your oropr.rty located at ........9.72..West-Old-'ior-k-.Road, Cal'lis lePA --1-70-1-3- .-....--..---, is If.J SEHiOUS Dl:FAU L T because :;ou havH no{ made {he ;,wol,'1/-,. O<1\.n;enr,; 0.'::: ..L 1Jli,76 ..... . ,,_... _ (or :he nlOnrhs or.. _ ~~~emQ~.r:.__________, _October_ ___ .__ , iincNo.vemb.er.199B ,-...._ .... ..____, 3;"'(!/Ct h!?f'3U,;a L3l:~ O:!13r'J~(; 3r'd oy'wr r.hargc~; ha.v~ ~::0 a::::.n~e:J ~D th;!i da'::~ in the :;rn.Odn~ ot .-.$.11 t,,68-,- (1j''i'"hll.;fd rie'l. ".<jIJlr~cJ to ,~;lr[~ rh'5 n...:f.:lll;', ni In ;:f!ler \No(d.~, tJct c,hJgh!_ 111:' !;'i y;~:~, ;'..~', ".h: ",:,.r,":> 3,461.96 .. h.'l total I 'l (\~ ot ti ~i!i You ;~?1" cure this dt'f.1wf lv;"thil1 T/-IlRTY (30) DA YS of the date of ~hi'? ll-1trw :\: 'l,-t'/.'n~1 if..' (I.) the a'-)!..i;.'~l/fnotlnt 0/ S' 3',.A61.96. ______, plu:; an:, [tI.!...//riC:7;j! ri,'ont};!1 pr7V17.....:,7!j. and !cnt' (:h-'},"::.~ ,;".<j;"I.',",I;. f..-./; ,i,'.I..~ :;~tI'.','(g this pr.'Ji,~~r.!ffHa:Rcq~~nrPos:1uc~~~ made ~ither bV cash. ca~h;er's check, certified dwck ,',1' rrl(ln:~'l d!\--:::r. iH":d made at l f you lin not cure the default \",Ijtr-,in THI nTY (~10) DAYS, :At.' inten(,' ,:J ':;",'c.'U.i:;'} :-:.'(.':. /Ight t(} accelcrate tht~ nwrtgage paVf711::ots. This means that whatever is owing on the or:gin.:il amount c'.:;r;o't_eci vll1i1 be considered due ifTIlllc(Fa~nlv ann you mav lose the chance t0. pa'..,. off the' original rno..tq~g~ ii1 n'cn1h!'l ;n$1';;:!::"l'~1t~, If ~\;ll pavment of tbe adl:.J:mt ,,:,f dt::fault is n01 mad/? w~tllji) T~IRTY (30) DAYS, ~t'e ~:I!-'t..' intend in '11?;,.'":,ct PUt nl~)."';"e!vs f.,-' sU~rt a 131'~'SL.'/t to fo,"cciC'St? Vour mOftga,lf-ed prcverry, If the ()7ortgage is forecloserl vou,'rl'()"~;l..;J:~ld prO{A't!V l'L';/! be sold by the S,hl',"iff tel t~av oFf the :'Hortgag,:; deht. If we refer your case to cur .,ttoi:le',1~. btll vt'~; ::',I~A ~h:.' dt:b~llt he-fore thp.y b:!ji;-, ~(-tlai 1,.,rOC2t:dinGs ~jar)ill:;t '{OU, you will still h3\'e to pay the ;ec';ion-1b';~ :::ttf)r;-:l'V'~: '-;:c:~, ':ICh;~ii'l .fh";urred, up to 850,00. Howeve!. ;~ ieg.31 p~oceedings are started against you, 'IOU will hdV~ tu Pil\; tha lt~J:;ol'f.tJk: ,"'tWfiH1'(;'; fees even i~ ~i.'2V ?Irf; Cl\:~~~. $50,00. ~.r;y attorney's fees '..viP b2 added to \lvh:::ltev'2r' yell t)\.':J L:: '~'r,'~'.~ ;"~~\,' :-;,',i") :r;\~lL'de our l;~ . ':'l~c;l):.~ I~O~,L~. it' V:: [/ ':",;r:.' I_he (]rd;I/'lt withill !hf? !h!l'zV (fall period, V:iU ';,~,;I' "'(',' :'~' '. ;1'.; :."/ ",',;,.'." ;.-;....';:Jr '5 tf-e<;. VJP. may also ~l>e YOll oer~cnJllv for the ul~paid pr:ncioai ba!ancp. and all other ~tJ:n;; rLI~ un'~fl~ ~ht; r'1,:"rt':;3ce, If \,"1:tJ ;"'l.;;Vt.' ,...;t cur':ti 1:-,i~ C:t'Ld:! \'~:~i,ln tne thitty dJ,/ pL~rlod ;if'.,j ~.:;t'81.~tQ~U:': !-"...:)~':\'.I:,:-:~s h.b'.. L~.:'\:;II~I, VOl' still IkNe rl]e:, .../ght tD ,,'ure a7e del'ault 3('1r) pre:;qnt [he sale J! .:.1I1Y ti/!1e up to cJntJ :1Cl1r bela,.: I',J-,r} ~'i.'t."','d,' 's h'frlC/u!iure sa/e. Ynu n:~1:.' (/0 )'(, Cv j),w;ng tht? (0:."1/ a'noun! of thr' L.npald rn{l(1thlv pa~.'('l;er.'t's ;::...;~ ,~:;> .'~, -_ ':' ,:', ,.",.1,1; :It:;rJ due, as ....'~// as the re::Jsonabic arlO,ni''.''s ,f~:(JS and CGUS con:I/!..'tt'd w':,h :hl! fOleci{.l~ur:..~ :;~'l;'~' ...:<: ",' " .-.';: . "';/:t'" rr:fjoire. '~;t:d(.s ulidr:f rhr3 :i1uI-:gaqe. :t is t-5t;ma~e..: tl";at t:ic eal'1:t-st da~~ ~Mii~ SiiCr-, J ~;:':;!,":~'~'; :;3:~ ':':~',,;'''~ ~;~ ~~(.:G ':.culd be a:JL1rt....~;imatelv ._1?O (J~Ys _ _' ,,j,. nO~'JCl; o~ tht" ljC:'ir~' of the S:'!t.>,-jff ;;:ic l,'li,q ~'€ :;r.r.l r:',', ,.~ ~ ; ,,:,.,", '''',J :,)'t: !Jf ..:ourSl:, t:~tJ ii:l1::1ll~1i. f)('l!:::h.:d 1(1 CLl!";:: t.he ddal::t \lviil ip(';I~JS..? rh.,=: !Ofl(}?!' ~ICU waiL '''{Ll~ r.~~l)' r:t'~'; . . .-~~ ';1,',' ;':,' - -:':C,.IV'I\I!li:lt the r,~(w ired payment will be bY' calling u:; ot the fo:Jowing number: 241.~_77!i~~.,~__. 71','., :.;.3r':,il.':~t ::-,..J,;: lit": i:1 CJ~J't, ;:G$h;,;;"~ d'.eck. ceni~iec1 check or monc'f o:-dl?:' .Jnd !~,3de :)aVi'lb'e:o us at thl! 3cdr2SJ s~3t~':~ "bc',''? Yuu should rea!iZfJ that a Sherilf's sale wj~1 f.nd YOu' o'iVr'ershio {Ii the n~~)n9ugpti I,r" J..' '1 ;-,n' ',C\l, rl~~'1 il\ lCfllJin !n ir !f V'::lI cr:H..t:r.:I~ to ~jvo? in the property after the Sheriff's $.]1(.;, :3 ;Gv\.'~t.:t r't't I~~ t;; ~~JI t.,,(~ . ~i :.v;r-: 'hIt..:. !.'("!,I ;"'3\l~ J,._..;diilrna; f,'q;''\S h~ !~;':'C ::<,:ji."~ ?;';OP::RTY :0 Ca-Aii'J ,~,1CI~'~EY -r\=: t'..:, ~~,'OT~Ii:R i_'.:I'~l:':I'~,~ :,\ST: Ti.;":C.':\ Tn ,'"';LI~ ~,~I,,:;~~t II' Ir'i~ ,:;;.'': .:<\ '.1 ...._ " ,',,; .. :-- I~ l..' -,- ~t[ ,-~.J?t-?1J\',: \::~\,r~ v Fr;O:\1 7"',;::- q~:.'~JT -"": ~~'~'..L OR C.J;c T~E !\':~09IG';:';t "::c2--', .~I"':: T:" -\ v (1:=~: 7:.J is LJ:: 3:. "{:,.)l' '.i,~, '" Il.,\ ',;:- Tq~~'~~?~-Ejl T~C pcc.:i)F.~i':" (;L.'EJ~C'" '-;'C- TI"'::: :\'k):~T'~,;\':.~~ T(; .\ ~;.I' C .>H ... -~- 1'1'- T" - '!1Q-'-GAG!: ,...-....,- "(~'~ -'0""' l--= \~ " , .,.. ~ .. ~-~"", ,~...... r.~:: L, ~"".':: ~::.\ i h, ~.' l... U t: D ! , r t", U V ! O!:;, j, f\ ~ t..., L L ,~~~: ,.; U 1 ,,' I.... ,\: ..', .: \.J \. ,- A....-7IJ;:;i'~F::y S F~::S ..\.\:1 -:....""\S:-S ~.r:n: 1',\IJ pr.,I"'C; TO C';~ '\< ';'t~:: '.~,\\ . ,\ C, .r.' \: ~ :' <'. ,: ;. ;~ C -', ...... \".': L i. - \7~ It:, . , ~, . ':'::-'''~I,';::3 ANJ J.' i~, i;',~~' C..'! R E. .~ .~ " ~ .~. . ~ . ~ '. ~_ 1 ~_. .. >~~: ,~':..:: <~ ~,~..':.:: ~,::': .~ ., - ,"- ." ~ '. ~. " '.'" ~ ,.:; ,,,;:..,, : \- ~ '"':. " ;,,~ ,.' ~ . .. '.\ - - ;-- . :".,' "'., '." I E~IT I - . , (J~,,\ .0\..1'''\'' ~'~{\"" , ( 1\.,,; - RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PI. EASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS __1D435-3001 ~_ ...._...,._ Date: November 3. 1998 TO: Eleanor A. Tnrush ....- -- '......_...____.._ FROM: _LinRncial .Irus.LCQ...______._____..... You may be eligible lor financial assistance that will pravent loreclosure on your mortgage II you comply with the provisions 01 the Homeowners' Emergency Mortgage Assistance Act of 1983 (the' Act"). You may be eligible lor emergency temporary assists nee II your dofeull has been ceused by circumstances beyond your control, you have s r6Dsonsble prospect of resuming your mortgago payments, and II you moet other eligibility requirements established by the Pennsylvanls Houelng Finance Agency. Pleaae read all 01 this Notice. It contains an explanation of your rights. Under the Act, you are entitled to a temporsry stay 01 foreclosure on your mortgege lor thirty (30) days Irom the date 01 this Notice. During that time you must arrange and attend a 'face.to.lace" meeting with a representative 01 this lender, or with a designated consumer credit counseling agency. The purpose 01 this meeting Is to attempt to work out a repayment plan, or to otherwise settie your delinquency. This meeting must occur In the next thirty (30) days. If you attend a lace.to.face meeting with this lender, or with a consumer credit counseling agency Identified In thIs notice, no further proceeding In mortgage foreclosure may take place lor thirty (30) days after the date 01 this meeting. The nama, address and t~lephone number of our representalive Is: Jack V Hutch1 son .---..--14f!l.R1tner HWY -- Car 11 sTeP)\" 1 IV1 j Telephone Number: ---7'7 -241-: 7i59---- The name(s), address(es). and phone numbers of (a) designated consumer credit counseling agency(les) Is (are): Y,WCA- __._ ..__30ULSt.r..eet-. .__.Car..li.slp PA 170n It is only necessary to schedule one lace.to.face meeting. You should advise this lender Immediately 01 your Intentions. Your mortgage IS In default because you have lalled to pay promptly Installments 01 principal and Interest, as required, lor a period of at least sixty (60) days. The total amount 01 the delinquency Is $ ]., 46 i .96 . That sum includes the following: _.... _.__T.hree..JllOntb.lUaymeoli..Q.f..1L.lli. 76 for the months of Sept. Oct and Nov 1998 ... _.lllus..a_J.a.1e charoe of $111. 68 Your mortgage Is also in default for the following reasons: If you have tried and are unable to resolve this problem at or after your face.to.lace meeting, you have the rlghl to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, slgr, and file a completed Homeowners' Emergency Assistance Application with one of the designated consumar credit counseling agencies listed above. An application for assistance may only ba obtained from a consumer credit counseling agency. The consumer credit counseling egency will assist you In filling oul your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be IIled or postmarked, within thirty (30) days of your face.to.lace meeting. /( IS extremely important that you (ile your epplication promptly. If you do not do SO. or il you do not (ollow the other timo periods sel (orth in this leltor, (oreclosure may procGod against your homo Immediately. Available funds for emergency mortgage asslslance are very limited. They will be disbursed by the Agency under tha eligibility criteria established by the Act. Ills oxtremely Importent thai your application be accurate and complele In every respect. Tho Pennsylvania Housing Financo Agency has sixty (60) days to make a decision after It receIves your application. During that eddillonal time, no foreclosure pro~:ceding5 will be pursued ogaln51 you il you heve met the time requirements set lorlh above. You will be nctilied directly by that AgAI1CY of Its deCISion on your application. 1 he Pennsylvania HOUSing Finance Agency is located al 2101 NOllh Fron! Street. Post Ollice Box 15530. Harrisburg, Pennsylvania 17"05. Telephone No. (717) 780.3600 or 1.800.342-23"7 (loll free number). Persons With impaired hearing can call (717) 780.1869. In eddltion you may roceivo another net ice Irom thiS lenoer ul1dor Act 6 of 1974. That notico is called the -Notice 01 Intention to FlJ'et..iu~ui"", YOd illi..i5i i6ad boH"', t,vt;ct;;i, :::-:~C the,' ::":c:h e~p!~:~ figh!: :h::H j'CU now !~.!!ve under P!rH1~}IIV!r'1j@ l~w How4!'v~r. if you [hoOhe to O);ctCtS(> yom rights doscnned in thiS not'ce, you cannot be forecloseC1 upon while you are receiving that as istance. Very truly yours. '-~'I~ ..' ~~.~ L . "1/;ber mmM(l';I:Oal1ll ached TOLl FREE ec of2'<397 EXHIBIT 1 he Pennsylvan'" Hcus,n I~_- H(.IJ.A. ~~.c ".'~ - ,...... '- . "._....~.. ..~ ~...., ;..~. .' RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 313435-3o.01!L. _.'-._________ Date: Nnv~mhpr 3, 1.9QR TO: Paul _D._,Ihru.shJc..-- FROM: Einancial Trust Co. You may be eligible for financial assistance that will pravant foraclosure on your mortgage If you comply with the provisions of thl) Homeownars' Emergency Mortgsge Asslstanco Act of 1983 (the" Act"). You may be eligible for emergency temporary esslstance If your default has baen causad by clrcumstences beyond your control, you havo a reasonable prospect of resuming your mortgage peyments, and If you meat other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Nollce.1t contains an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that lime you must arrange and attend a 'face.to.faca' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan. or 10 otherwise settle your delinquency. This meeting must occur In the next thirty (30) days. II you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency Identified in this notice, no further proceeding In mortgage foreclosure may take place for thirty (30) days after ths date of this meeting. The nawe, address al'\d.telephone number of our representative is: Jack V Hutcnlson ----r4T5Rl tner ri"W--- --'----Carll s 1 e PA 1 '013 T;I~phone Number: 717-241-7759 The na'YWC~' address(es), and phone numbers of (a) designated consumer credit counseling agency(ies) Is (are): --'-"""3U1CJSt"teet Cal'lisle PA 17013 I, -...-....-.-.--.- It IS only necessary to schadule ana face-to.face meeting. You should adVise this lender immediately of your Intantlons. Your mortgage IS In default because you have failed to pay promptly installments of principal and Interest. as required, for B period of atlaaat sixty (60) days. The total amount of the dalinquency Is $ 3.461.96 . That sum Includas the following: ____Thre.e mopthly_ Q8yments of $_1..116.76 for the months of Sept. Oct F, Nov 1998 plus a ____J~!,~ cnarge aT $111.68 Your mortgage is also In default for the following reasons: -_._~_..... ...- If you have tried and are unabla to resolve this problem at or after your face-to-face meeting, you hava the right to apply for linancial asslstence from the Homeowners' Emergency Mortgage Assistance Fund.ln ordar to do this, you must 1111 out, sign and [ile a completed Homeowners' Emergency Assistance Application with one of the dasigneted consumer cradit counsallng agencies tlsted above. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency Will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing FInance Agency. Your appllcalion must be Wed or poslmar~.ed, within thirty (30) days of your face-to.face meeting. It ;s extremely important that Yl"U file your application promptly. If you do not do so. or if you do not follow the other time periods .~el forth in this lotler, foroclosure may procood against your hofT'o immodiatelr Available funds for emergency mortgage assistance are very limited. 'They will be disbursed by the Agency under th" eligibility criteria established by the Act. It is "xtremely Important that your eppllcation bll accurate and complets In every respect. The Psnnsylvanla HOUSing Finance Agency has sIXty (60) days to make a deciSion atter It receives your application. During that additional time. no foreclosure proceedings Will be pursued against you il you have met the lime requirements set fcrth above. You will be f\Otlfied directly by that Agency of ItS deCISion on your applicallo~. llle Pennsvlvanla I-lOUSIng Finance Agency is located al 210t North Front StlCet. Post Ofl;ce Box 15530. Harrisburg. Pennsylvania 17105. Telcpt)onc No. (717) 760.3600 or , -tjuO..j42-2397 (luii ht"t1 in.iiT,voi). P~r;:;r.:. w:th :~p!!:red heering ~Rn call (71 7) 7eO~'869. In ndd,tion you may receive anolher notice 110m thiS lender under Act 6 01 1974.ThBt notice is called the 'Notlce oltntentlon to Foreclosu,,,' You must read both notices. Since they bolh explain lights Ihet you now have under Ponnsylvanla law. However ~l YOIJ c.ho05Q 10 O)l(~fCISC your lIghts descnbed In this ncllc~. you C:F,nct te ~o'ecI05ed UPO(1 whHe )'OU are receiVing that 81$151S e. Ver'y truly yours. ) d~~& y car' l:'e r;-:C;;ed ;5H':/l a~ t ' '-fL Workout Offl c 1 b:t Fl;f,n')!"'.2.r,!B "';v. ~" ...",.... ,-- H[1"''',.-.... 4 rt"J!. :;...~ CI '- i) .. l"'. ; " , c: UI. . " (, ~, . ~~ ~ '\n f!:' , <)1 L". ~ r::.,'_ \~..... l,'" .-- f'- , r'l" ( , .d .J.. L \Xl , " .- I, ': );. ' ~ .r-.. u " I..) ':} v' ~,'\I ~ ~ (S. ';j '\.. r-', ~ & ~ .~ ~ ~ ~" , ~ ~, \ \ ' '0 ~ FINANCIAL TRUST COMPANY, Plaintiff IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW PAUL D. THRUSH, JR, and ELEANOR A. THRUSH, Defendants IN MORTGAGE FORECLOSURE CIVIL TERM 1998 COMPLAINT AND NOW, comes Financial Trust Company, through its Attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage Foreclosure, of which the following is a statement: 1. Plaintiff is Financial Trust Company, a corporation organized and eldsting under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located all West High Street, Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant, Paul D. Thmsh, Jr., an adult individual, and Defendant, Eleanor A. Thrush, an adult individual, are husband and wife, and reside at 972 W. Old York Road, Carlisle, Cumberland County, Pennsylvania. 3. On or about July 2,1998, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing One Hundred Twenty-three Thousand 00/100 Dollars ($ I 23,000.00), a copy of said note and said real estate mortgage being attached hereto as Exhibits "A" and "B", respectively, and are incorporated herein by reference as though fully set forth. 4. Said note and said real estate mOr1gage have not been assigned. 5. Paul D. Thrush, Jr., and Eleanor A, Thrush, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated September 25, 1978, and recorded in the Cumberland County Recorder's Office in Deed Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "en, attached hereto and made a part hereof by reference, 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of September 1998, October 1998, November 1998 and December 1998, 7, The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated November 3, 1998, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a palt hereof by reference. 8. The Plaintiff has given written notice of def.1ult as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference, 9. By reason of the aforesaid default, the entire principal balance of One Hundred Thirty-three Thousand Two Hundred Forty-nine and 48/100 ($\33,249.48) Dollars, with interest thereon at the rate of nine percent (9 %) per annum computed from August 7, 1998, along with attorneys fee.s now due and payable, 10, The Defendants are liable to the PlaintifHor the following on said mortgage loan: A. Principal amount due 10 date $122,836.49 B. Interest due to date C. Late Charges D. Attorney's Colleclion fee 3,900.26 167.52 6,345.21 TOTAL: 5133,249.48 . . I - 7001 ') 3\31-\':)1)- PROMISSORY NOTE . : : Principal ".' Loon Date .i; r.1l1turltyi . '" 000.00. ',; .O'f.:oz..1998' :01412-2018 Roforences In lhe sheded area are 10< Lendor's """ ani ","-.:'.:'~.i.,;: Borrower: Paul D. Thrush, Jr. Eleanor A. Thl1lllh dba: Thrush EcavaUng & Paving 912 West Old York Road Ca~18Ie, PA 17013 Lender: Rnanclal Truat Company Main Olllce Dna Wesl HIQh Streel Clt1Ilsle. PA 17013 Principal Amount: $123,000.00 Date of Note: July 2, 1998 PROMISE TO PAY. Paul D. Thrush, Jr.lII1d Eleanor A. Thrush ("BOrrower") promise to pay to Anancl.1 Trust Company ("lender"), CIt order, In lawfUl money 01 the Unlled Statea 01 AmerIca, the ~nctpal amount 01 One Hundred Twenty Three Thousand & DO/lllO Dollars ($123,000.001, logether with IntOfell on the unpaid p~nclp" balance from July 2, 1990, unUI paid In lull. PAYMENT. SUbject 10 MY paymenl chllI1ges reoulUng from chonges In lh& Index, Borrower will pay this loan In IlCCOrdance with the folloWing peymenl8ChedU~: 12 consecullve monlhly p~nclpal and Interest paymenls 01 $1,118.78 each, beginning Augusl 2, 1998, wllh Inlerest calculated on the unpaid principal balances al an Interest rate 01 9.000'110 per annum; m consecuUve monthly ~nclpal and Interest paymenls In the Initial omounl 01 $1,0711.10 each, beglMlng August 2, 1999, wllh Interest calculated on the unpaid prUlclpal balances at an Interest rale 01 3.5011 percentage points over the Index de9Cftbed below; and 1 p~nclpal and Inlerest P/Il'men1 In the lnll~ amount 01 $1,080.29 on July 2,2018, with Inlerest clllCuleled On the unpaid prlncl"" balances at on Intoreol role 013.500 percentage points over the Index desc~bad beloW. this eollmated ftnoJ (laYment 10 based on the asaumpUon thai oil payments will be made exaclly lIS ocheduled and lIIal the Index does not change; UIe octulll ftnlll paymenl will be for 11I1 principii and accrued Interest not yel paid, together with any other unpaid amounta under this Note. The annual Inleresl rata 10< this Note is computed on a 3651360 basis; lhalls, by applying lhe ratio of Iha annual Interest rate Oll8r a year of 360 days, multiplied by tha oulstandlng princlpal betanca, mulllplled by the actual number 01 days lhe principal balancals outstanding. Borrower will pay Lender et Lander's address shown abOIl8 or at such olher place /IS Lander may designata In WliIIng. Unless olherwlse egreed or required by appllc.lblo law, paymenls win be applied "rst to accrued unpald inlerest, then to princlpai, and any remaining amount to any unpaid collection costs and Iala charges. VARIABLE INTEREST RATE. The Interest rate on this Note Is subject to change from tima to time based on chenges In en Independonllndex which Is the Weel4y Average Yi<lId on Uniled States Tro8SUry Securities, Adjusled 10 a Constanl Maturity 01 One (1) Veer (the 'ndexj. Tho Index Is nol nacessarily the lowest rala charijed by Lander on Its loans. If the Index becomes unavailable during the larm 01 this loan, Lender may daslgnate a su!:lstiluta Indole an... notice to Borrow.... Lender will loll Borrow...lhe currenllndex 18la upon Borrower's raquest. Borrower undBlSlands lhat Lander may make loons basad on oil"" rales as well. The Inllln!Sl rela changa win not occur mo<e often than each YEAR. The Index currently I. 8.000% per ..num. Tha InteR:llt rala or rales 10 be applied 10 the unpaid ~ncIpa1 balance 01 this Note will blithe rale or rele. eet lorth abava In the "Payment" section. NOTICE: Under no circumstances win the Interest rate on this Nole be mo<e than the maximum rate allowed by applicable law. Whenever Increases occur in the Interest rela, Lender, at Its opllon. may do ona 0< mo<e of the following: (a) increase Borrower's paymants 10 ensure Borrower's loan win pay on by Its original final malurity dale, (b) inaease Borrowa~s payments 10 cover accruing Interest. (c) Increase the number 01 Borrower's payments, end (d) continue Bonower's payments al the same emount and Incroase BOITOwer's finat payment. PREPAYMENT. Borrow... may pay without penalty an or a pO<1ion 01 the emounl owed earlier then It Is due. ~y payments win not. unless agreed 10 by Lender In writing, reJilMl Borrow", ot Borrower's obligation to conllnue 10 make payments under the payment scheduie. Rather, they wN reduce tha principal balance due and may result in Borrower making lew... payments. LATE CHARGE. If a payment Is 15 day. or more lale, Borrower w~ be chal\led 5.000'110 01 the regularly scheduled payment. DEfALLT. BorroN'" will be In dotault If any 01 lha following happans: (a) Borrow... fails 10 make any payment when due. (b) Borrow... bret<ks any promise BorroWllf has made to Lander. or Borrow... taJIs 10 comply with or to perto<m when due any other tarm. obligation, covenant. or condition contained In this Nolo or any agreemant related to this Nota, 0< in any olher agreemant 0< loan Borrower has wllh Lander. (c) Borrower dofoults under any loan, axtonslon 01 aadit. securily agreement, purchase or salas agreement, or any other agreement. In favor 01 any other aadltor or person thai may matenalty effect any 01 Bormwer's propolfy or Borrower's ability 10 repay this Nota or porlo<m Borrower's obllgallons under this Nola 0< any oIlhe Related Documents. (d) MY represenlallon or slalemant made 0< tumlshed 10 Lender by Borrower or on Borrower's behallls false 0< misleading In any material respect aIlher now 0< allhe time made 0< Iutnlshed. (a) Borrower dies or becomes Insolvent. a recell'Ilr is appointed lor any pari 01 Borrower's property. Borrower makes an assignment 10< tile banefit 01 aadltors, or any procoodlng is commenced eIIhef by Borrower or agalnsl Borrower under eny banl<ruplcy or insolvency laws. If) Any credilor Irics to taka any 01 BDrTOWer's prop~ on or in which Lender has a Il&n 0< secur1ly Interest This Includes a garnlshmonl of any 01 Borrower's accounts with Lendor. (g) Any 01 the events descr1blld in Ihis default section occurs wilh respact 10 any guarantor of this Nolo. (h) A mallKial adverse chango occurs In Borrower's financial condition, or lender believes the prospect of peymenl 0< performance 01 tha Indebtedness is Impa'-..d. 0) Lender In goad faith dooms Itsell Insecura. LENDER'S RIGHTS. Upon dolautt, Lander may, aner giving sUCh nolicos as required by applicable law, dectare lhe entire unpaid principal balanca on this Nolo and al eccrued unpaid Interest Immadlalely due, and lhen Il.orrow<< will pay thai arnounL lend... may hire or pay someone eIsa to help colIllcllhls Nola W Borrower does not pay. Bonow... also will pay Lendor that amount. ThIs includes, subject 10 eny tim/Is under app!icable law, Lender's attorneys' lees and Lende<'s legal expanses whether 0< nollhere is a lawsuit, Including attorneys' fees end legal expanses to< bankJUplcy p'OClIladings Onduding efforts 10 modify or Vllcolo any automatic slay 0< Injunction). appeais, and any lIJ'ItJcjpaled posl-judgmanl collection secvIces. If not prohblted by appllcablo low, Borrower also wlI pay any couri costs, in addition to all other sums providod by law. If Judgment is enlaled In connac:flon with this Nola, Inl......t wII continue to aeer"" on thiS Nolo aller Judgmonl at the Interesl rat. applicable 10 this Nolo at IIle ti"", judgll18nt II entarod. This Nole hIlS been delivered to Lender /lnd occepled by Lender In the Commonweelth of PennoylVllIBla. II there II e lawsuit, l3orroll'er agrees upon Lender'a rrquesl to submit 10 the IU~1lll1c1lon 01 the courta 01 Cumbertand Counly, lh& Comrnonwea/lh 01 Pennsylven1a. ThIs Nole IIulIl be governed by Md con_In llCCor monwellllh 01 Pennsylvania. RIGHT OF SETOFF. Borrower grants to Lander a con EXHIBIT y assigns, COfM!)'S, doIiv1n. pledges, and iranslars to Uonder as Borrower's right. IilIe and lrll..est In and 10. B H lh9r chocking, taviBOll, or some other account). Inciuding without bmilallon aU accounls held pntty with sonlOOns y open In the Mure, excluding however aU IRA and Keogh accounts, lIJ'Id aU trus1 accounts tor which the grant of Ited by law. Borrower authonz"s Lender, 10 the ax1ent perrnllted by applicable law, to charoa '" SPloff all s any and an such sccounts., and, at Lender's option, 10 aorrllnistrstlvefy t..9ll2Il an such accounts 10 anow Lender I nghts pl'QVlded on this paragraph. COl.lA TERIoL. ThIs Note 1$ secured by, In addlbon to any other col1.1erat, a Il" dated July 2, 1998. to Lender on roat property located in . ..- , . ;J.. '";:-1- 7 :) 'I ~w{~ ".- '?I'~ . "I :. ~: . ,..". .. : ~. ~ ~. l.;,:-:~~:..; :.1.. (:~:i,}t,i ~ _ t':. WHEN RECORDED MAIL TO: Ananclal Trust Company c/o Keystone Loan Operations ATTN: Collateral DepL 130 Court Street, Po Box 3187 Wllllomsport, PA 17701 '88 JUL 10 PA 1 29 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS MORTGAGE IS DATED JULY 2, 1998, between Paul D. Thrush, Jr. and Eleanor A. Thrush, whose address Is 972 West Old York Road, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address Is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable conslderatlon, Granlor granla, bargslns, sells, conveys, esslgna. transfers, releases. connnms and IMI1gages 10 Lender aD 01 Grantor's right. 1I11e, and Interest In and to tha lollcwing dascribed real proporly, togother with all exisllng or subsequenlly arocted 0< affixed buildings, ImprOVGmenls and fixtures; all stroels, lanes, alleys, passegas, and ways; aU OIISlIments, rights of way, all IIbartias, privileges, tenaments, heraditaments, end appurtenances thereunto belonging or anywise mada appu~enant hereaflar. and the reversions and remainders with respect therato; all wat.... wat", rights. watercournes and ditch rights (Inctudlng stock In utilities with ditch or Irrlgallon rights); and aU other rights, rayallles, and proflts relallng 10 the real properly, Including without Ilmitallon all mlnerels, 011, gas. geoth",mal and similar mall..... located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): SEE EXHIBIT "A" ATTACHED HERETO AND INCORPORATED HEREIN BY REFERENCE The Real property or lto address Is commonly known as 972.West Old York Road,Carllsle, PA 17013. Granlo< pmsantly assigns to Lend... all of Grantor's righL IIl1e, and Inlernst in and 10 all lellSOS 01 the Properly end all Rents from the Properly. In addlllon, Grentor grants to Lend... a Uniform Commarcial Code securtty Intereslln the Personal Property and Rants. IlEFINtnONS. The following wo<ds shaU have the 100Icwing meanings when used In this MOItgaga. Terms nol otharw"" dellned In this Hoogago shell heVlllhe meenlngs attributad to such Ierms In the Unilo<m Commercial Code. AU references to doDar amounts shell mean amounts In IawluS money 01 I~o United Slates 01 Am<lrIca. Grantor. The wo<d "GrantD<" means Paul D. Thrush, Jr. and Eleanor A. Thrush. The Granlo< ts Iha mortgegor under this Mortgage. GUlII'llfItor. The wo<d "GuarantD<" means and Includes wllhoulllmitation each and all of the guarantors. suratles, and accommodatio, parties in connection with thelndabtedness. Improvements. The word 'mprowments- moans and Includes Without limitation aU exi5.tll\Q and futura Irnprc'.'am::nt:, bu!!d!!'l~. etructU'e!. mobile homes afflxed on the Raal Property. laolllles, additions. raplacOlnents and other construcllon on the Raal Property. Indebted..... The word 'ndeblednass" means all principal and Inlalll$t payable under the Nole and any amounts expllndlld or advanced by Lend... 10 discharge obligations of Grentor 0< oxpansoo Incum>d by Lendor to enforce obliQations 01 Grantor undar lhl$ Mortgage. togelher with Intoras1 on such amounlo as provided In this Mooga9O. In addlllon to the Note. the wo<d 'ndebledness" Includes an obligations, deb" and IiaIllllties, plus Interast thereon, 01 Grento< to Lend..., or any Dna 0< m0(9 ollhem, as well as all claims by Lender against Gronto<, or any one 0< mora 01 them. whelher now exisllng or hereaner IIfislng. whether relnlad 0< unrelated to the purposa of the Nota. whether voluntary or otherwise, whether due 0< not dUB, absolute or conllngont, liquldeted or unliquidated and whettlor Granlo< may be liable IndIVIdually or jointly with othln, wheth'" obliQaled as guaranlo< or otherwise, and whether recovery upon such Indebtadnass may ba 0< hereonar may bec(l!%'.bOJ'lQ(l,by any slatute "'limitations. and whether such Indebtedness may be or hereaner may become otherwise unenforceable. Onltlal Here :;;"jic2:iy:;c"".h:.. ) Lender. The wo<d "Lender" means Financial Trusl Company. its successors and assigns. The Lender is the moogagee under this Moogage. MortIl8ll". The wo<d "MOI1gagu" meens tM Moogage between Grenlo< and Lender. and Includes wllhoutlimilstion all assignments and secunty In\orGsl provi$ions rolnting 10 the Personal Proporty and Rents. Note. The word "Note" meant the promissory nola or credll agreemont dated July 2. 1998. In the original principal amount of $123,OOO.l!O b'om Granlo< 10 Lender. together with aU renewals 01. exiensloM of. modilications 01. naflnanclngs 01. C<JnsoIldallons 01. and substitutions 10< the promlSSo<'( nole or agreement. NOTICE TO GRANTOR: TIE NOTE CONTAINS A VARIABLE INTEREST RATE. Personal Properly. The words "P....onal Property" mB3n aU BGuipmenl. lIlcturcs. and other articleS 01 personal pr~ now 0< _!lor owned by Grantor, and now 0< tooraafto< attached 0< affixed to the I'leal p,oparty; together wlth all accessions. parts, and additions to. al repJaeemenls of, and al substitutions lor. any of such property; and together With aU proceeds Onclurllng wllhoilt Iimltallon alIlnsumnce procoodS and refunds of premiums) trom any sale or other dlsposlllon 01 the Pr~. Property. The wo<d "Property" means collectively the Real Property and the personal PrOfJer1y. Reat Property. The wo<ds"ReaI Property" mean lhe properly, Intarests and nghls described a Relaled Documents. The wo<ds "RGI:<ted Documenls" moon and include Il'IthoUI kmlla agreemonts. enwonrnenlal aoroarnenls, guaranbes. sacunly agreements. mongages. deeds documents. whether now 0< heroan...ex:stln9, exaeuled in connoc:llon WIth I"" InclMtedneu. Rents. The word 'l'lents" moans all p""",nt and futura renls. revenues. IncorNl. IssUes, r Property. ^ . ~ A""'.._ '204 Rallll un' ,~... I.l.J'U L I EXHIBIT 13 der1Ved !rom the 07..1)2-1998 MORTGAGE (Continued) Page 2 THIS MORTGAGE,INCl.UOING THE ASSIGNMENT OF RENTS AND THE SECUlllY INTEREST IN THE RENTS AND PERSONAL PROPERlY, IS GIVEH TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEH AND ACCEPTED ON THE FOLlOWING TERMS: PAYMENT AND PERFORMANCE. Except as olherwise provided In Ihls MOllgaga, Granlor sheil pay to Lender all amounts secured by Ihis Mortgage .. lhey becomo dua, and shell slrictly pe~c<m all 01 Granlor's obligationS undQ( this Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERlY. Grantc< agrees lhet Grantor's possesSion and usa 01 tha PropOtly shall ba govorned by Iho following provisions: PoueI8lon and lI8e. Until In delaull, GranIc< mey remain In possosslon and control of and uperata and managa the Propef1y and collacllhe Rants from the Property. Duly 10 MaIntain. Grantc< sheM maintain lhe Properly In lenantable condition and promptly parform aU repairs, replacamants, and malnlenanca nocessary fa PreseMllts value. HaZanIOUa SUblllanceL The terms "hazardous wasta," "hazardous substanca," .dlsposal," "reI$8S0," and 'hrealened rofoasa,. as d'sad In this Mo!IllBge. shell heve Iho same meanings as set Ior1h In the Comprahenslve Environmental Response, Compensation, and Uablllly Act of 1980, as amended, 42 U.S.C. Saclion 9601, el seq. ("CERCtA"), Iho Superlund Amendments and Reauthoomtlon Act 01 1986, Pub. L. No. 99-499 rSARA"), the Hazardous MalerialS TrenspaMUon Act, 49 U.S.C. Seclton 1801, al seq., lhe Resource Conservation and RocoV9<Y Act. 42 U.S.C. Secllon 6001, .. seq., c< olher applicable stata c< Faderallaws, rulas, c< rogutations adopted pursuanllo any ollhe foregoing. The lerms '?lu.8rdous wast.. and "haZll!dous substance" shell also Includa, wilhoulllmltatlon, petroleum and petrOleum by-products or any fraction thereol and asbflSlO$. Granic< rapnlSBnts and warrants 10 Lender thah (a) During tha period of Grantor's ownership oIlhe Properly, lhere has baan no usa, generation, manul8ctura, storage, trealmenl, dlsposel, releasa c< fhreatanecl role... of any hamrdous wasl8 c< substance by any person on, under, about or from tha Property; (b) Grantc< has no knawledgo 01, c< meson to balleve Ihat there has been, axcept as provlously disclosed 10 and ackn....1edgBd by Lood... In writing, (I) any use, generation, manufacture, slorege, trealment, dISposal, rolease, c< threalanad rolease of any hazardous waste c< substance on. und..., abouf or from the PropOOy by any pric< owners or occupants of the Properly or (M) any actual c< thl1llltened Ill1gatlon or CIBIms of any kind by any person relating 10 such mailers: and (c) Except as previOUSly disclosed to and acknowledged by Leoder In ~Ung, (I) nalther Grantc< nor any tenant, contractor, agent c< oth", authorized user ollhe Property shall use, genarala, manulactura, store. treat, dispose 01. c< rolease any hazardous wasta or substance on. under, about c< from the PropOOy and (Ii) any such acllvIIy .han ba conducled In compliance with oR applicable !adoral, state, and local taws, regulations end ordinances. Including without limitation Ihose laws, regulations, and c<dlnances deoct'ibed above. Grantc< authOOzes Lender and Its agents 10 enter upon the Property 10 maka such Inspections and tests. al Grantor's expanse, as Lender may deem appropMte to delarmin. compliance 01 the Property with this sectlon of the Moogege. Any Inspocllons c< tests mada by Lander shall ba lor Landor'. purpO"AS only and shall no! be construed to create any rosponslbUl1y c< liability on lhe p~ 01 Lander to Grantor c< to any other person. The representations and warmnlles contained heroin are basad on Granlor's due dlllgance In Investigating the PropBIly Ic< hazardous waste and haZllrdous subslaf1('.BO. Grantc< heroby (0) re!e8ses and waJves any luIura claims aoalnst Leod... lor Indemnity c< contribu~on In the event Grantor becomes liable tor ~nup c< other costs undlll any such laws, and (b) agr.... 10 Indemnify and hold harmlesS Lander against any and all CIBIms. losses, IIabRltles, damages. penalties, and expenses which Lander may d1reclly c< Indlroclly sustain or sullor multing from a breach of this section of lhe Mortgage or as a consequence of any use, generation, manulaclura, storege. disposal. _ c< throataned relGa... of e hamrdous wasle or substance on the properties. The provisions 01 thts section of the Mo!IllBge, Including the obligation to indamnlly, shall survive the payment of the Indebtedness and the satisfaction and neconveyance 01 Ihe lIan of this M~ge and shall not be aflecte:l by Landlll's aCQuISitIon 01 any inlerosl in the PropOOy. whether by lorecIOSure or olhllrWlsa. NuI!IllI1CO. Waste. Grantor shall no! causa. conduct or permll any nuisance nor commit, permit. or sun", any stripping of c< wasla on c< 10 Iha Property or any po<IIon of Iho Property. Without limiting the genen1l11y 01 the Iorogolng, Granlor will not mmuve, c< gront to any other perty Iha ~hI to rom0V8. any timber. minerals (Including 011 and ges), soli. gravel or rock products without fhe pric< wrillen consent 01 Lander. Removal 01 Improvements. GranIc< shell not damollsh or remove any improvements ""m the Real Properly without the prtc< wrtUen consent of Lender. M a condition to Iho removal 01 any Improvements, Lander may reQuiro Grantor to make arrangements satlslaclory to I.ender 10 raplace SUCh Improvements wtih Improvemef'll.$ or lit iVis.t &quat \.';:.!ua. t.ender'a Right \0 Enter. Lender and lis agents and representellves may entor upon the Real PropOOy at .. reasonable times to alland to Ulndor'slnterestoand to InspecIlhO Properly for purpO"..... of Granlor's compliance wilh thalQ(ms and conditions ollhis Morto.ga. Compllanc:a wIIh GaVWlVlllltllal RequlremenlL Grenlc< shall promptiv comply with .. laws, c<dinances. and rogulations. now or hereafter In alIecl, 01 aI QCMIfT\mentaJ authorttios appllcabla 10 lhe use c< occupancy of th6 ProoertY. Including without llmitafion. the Amortcans With Disabilities Act. Grantor may conlesl In good faith any such law, ordinance. or regulation and withhold compliance durfng any proceeding, Including appropriate appe&Is, so long as Grantor has notirlOCl Lend", in ~ting prtc< 10 doing so and so long as, In Landor'. sola opinion, Lender's Intereots In the Property are nof jeop81d1zed. Lander may require Granic< to post adequate secunfy c< a surely bond. roasonably uttsfaclory to Lender. 10 protect Lendor's inleresL Duly to Proloct. Grantc< 19'ee5 neither 10 abandon nor leave unallended the Property. Granic< shall do aU other acIs, In addition to IhOSfO acts sat forth ab... in thiS section, which from the characler and use 01 the Properly are reasonably necessary fo protect and preserve the Properly. OLE ON SAlE _ OONSEXT BY lEHOER. Lender may, af lis option. declare Immedialaty due and payab14 .. sums securad by lhis Moogege upon II.. 5ll1e or tansl.... without the Loodor's prior wrttten Cons&<'lt, 01 .. c< any p~ of the Real PropOOy, or any Intereslln the> Real Properly. A "salo c< lransfur" nu.ns the conveyance 01 Roai Properly c< any ngh~ lilIa c< inlarest therein; whether klQal, benof1cIaI Of lIQullable; whelh... voluntary c< Involunloty; whether by outright salo, doDd, Instanment sale contract. land conlracl. contract tc< doDd. leasehold lnlerllsl with a term greater then lives (3)~. lNso-<lp~ cor,lract, c< by sale. as.:gnmen~ Of tanster of any benef>cialln\efMt in c< to any land lrusl holding tills 10 the Rolli Property, or by '"'Y olhDr molhod of convl'VIlnCB of Real Properly Interest. \I any Grantor Is a COfllc<ation. parlne<shl;> or fimllad tiabIIIly company, transfer aJoo Includes any change In ""'....."hIp of moro than twenty-live percent (25"') of the> vo~ng stock. partnership Inlerosts or fimilod Ilabllity COmpllny interests. ..thO case ",.y be. 01 Gromor. However. thIS option shan not bo exarcised by Lender ,I such IlXOf'ClSO Is prohlbned by faderallaw c< by Penns)1vanla IIw. TAXES 1oMO UOIS, The lolIow;ng provisions rolahng 10 the taxes and liens on the Prtlpef'!y aro a p~ of thIS Mrxtgege. hr''''''''\. Gronlor >hI1 Illy..1len d... (and ,n oU evonts pnor to deIInQuerc'() aU laxas. payrol' laxas, special taxes. assosomants. wa\e!:!wOOS and _ 0lIrVi:>> c;harge$ _ a~wnst c< on account of the Property, and shal PlY when due all ctaJrns for wort< dona on c< Ic< seMcOS r8ndr8d or material fu"nithod to tho Property. Grarrtc< shall malntaln lhe property free 01 .Vlien> hailing prtorify over c< equal 10 lhe Inllns1 01 Lerldar unoor IhIs MorlgallO. cxcoPllor U19 lien ot was and a~menlS not due, and except &$ otharwl:iO provided In the folowlng paragrllph. ~ To Contest. Grantc< may withhold paymenl 01 any tax, aSS8$smen~ Of claim in connection wIIh a good lailh dispute over lha obliQl~on to pay, $0 long as LandClr'l_ in the> Properly is not jeopardlzed. III f..n arioeS or Is lIIod as. ,!!Sufi 01 nonpayment, Grantor IhaIl wlll>n_ (1~) daYlallGrlhe ....,..- c<. II I hen IS filed. WIthin f,neon (15) daYl afl8r Grantc< has notica 01 the filing. se::ura the discharga 01 "" lien, or V "",_led b~ lllndor. dooosl! with Lender cuh c< e su1!ocienl corporate surety bond or olhDr HC:1>1Iy satlstactory to l.llntW :n an amount su1ficianl to Ol$CNlf9Ilhe lien plUS any CO$ts &.nd t.tteJe'OOys' tees or other charges that eou&alccrue u. rauii pi Ii. :""~-i Vi..li v..d;::h; !!::-.. to: .. ........ ...,,-, - 07-02-1998 MORTGAGE (Continued) Page 3 - - any conlest, Granic< shell dalend Ilselland Lendor and shell satisly any advarso judgment belor. enlorcemant agalnsl the Properly. Granlor shall name Lender as an addlUonal obllgBO under any suraly bond lurnlshad In Ihe contest proceedings. Evidence 01 Payment. Grantc< shell upon demand furnish 10 Lender satislactory evidence 01 payment 01 the laxes or aS58ssments and shall eulhorizo the appropriala govern menial 01ftc1a1 10 deliver 10 Lendor at any tlma a wrillen slalemant 01 the Iexos and assossmants against Ihe Property. ~Uc. 01 Con&trucllon. Granlor sMII nomy Lender elleasl fineen (15) da}'S befora any work Is eommencod, any sefVices are furnishad, c< any matarials am supplied 10 Ihe Property, II any mochenlc's lien, materialman's lien, or olher lIan could be asse~ed on eccounl ollha wor1<, servlcas, or maleriels and Iha cost exceed. SS,OOO.OO. Grant", will upon roquesl 01 Lander furnish 10 Lender advance assuranc.. sallsfactory to Lander lhet Grantc< can and wrn pay the cost of such Improvaments. PROPERTY DAMAGE INSURANCE. The following provisions relating to in;;ullng the Properly are a pa~ ollhls MOOgaga. MaIntenance 01 Insurance. Grentor shall procure and malnleln pollcles 01 11m InsurencB wilh Slendard extended coverage endorsements on a replacement basls Ic< Iha lulllnsumbla value covoring alllmproVllments on Ihe Resl Properly In an amount sulficlanl to avoid applk:allon 01 any coinsurance clause, and wilh a slandard mortgagee clause In fevc< of Lander. Grenlor shslt alSo procure end malnlaln comprohanslvo general llebl\ily Insurance In such coverege emounts as Lender may request wflh Lender balng named as additional insureds In such liability Insuranca pollclas. Additionally, Grantc< shall maintain such othBf Insurance, Including but nol IImlled to hazard, business IntlllTUption and boiler Insurance as Lender may require. Policies shan be wrillan by such insurenCB companies and In such fc<m es may be reasonably acceplable 10 Lender. Grantor shall daUver to Lender certlficates of coverega ~om aach Insurer conlelnlng a sllpulaUon that coverege wfll not ba cancelled or diminished without a minimum oIlen (10) days' prior wollen notice to Lender and nol conlalnlng any disclaimer of the Insurer's IIablllly fc< failure 10 give such notice. Each Insurance policy elso shan Includa an endors&ment providing lhet COVllrage In favor of Landar will not be Impaired In any way by any act, omission or defaull 01 Granlor or any other parson. Should tha Raal Properly at any lime become located In an ama designated by the Olrectc< of the Federal Emergency Managamenl Agency as a special nood hazard area. Grantor egrees 10 obleln and maintain Federal RoOd Insurance 10< the full unpaid principal belanca of the loan, up 10 the maximum policy Ilml1s sol under the Nallonal Rood Insurenc8 Program, c< as olhefwlse required by Lend..., and to maintain such insurance for Ihe lerm ollhe loan. AppltcaUon 01 Proceeds. Grantc< shall promptly notily Lendar of any I05S or damage to the Property II the esllmated cost of repair c< reptacament llXCOads $500.00. Lender may maka proof of loss II Granic< falls to do so within fifteen (15) deys of the casualty. Whethar c< not Lender's security Is Impaired, Lender may, at Its eloctIon, apply the proceeds 10 th. reducUon 01 the Indeblednass, payment of any lien affactlng lhe Properly, c< the restoraUon and repe~ 01 Ihe Property. If Lend... alects to apply tha procseds 10 restorallon and "'Pair, Grantor shall repair c< replace the damaged c< destroyed Improvements In a manner setisfaclo<y to Londo<. Lender shall, upon sallsfactory proof of such expandltura, pay c< re!mburna Granlor from Ihe procoeds for the ",BSonable cost of "'Palr c< restorallon If Granic< ts not In dalault under Ihis MOOgage. Any proceods which hew not been disbursed within 180 deys .n... thair receipt and which Lender has not commlllad to the rapair or restorallon 01 the Property shaU be used first to pay any amounl owing to Lendar undar this MMgage, Ihen to pay aCClued IntOlllSt, and the remainder, It any, shaD be applied to tha principal balanca of the Indebledness. If Lender holds any proceeds er.... payment in fuR of the Indebledn""s, such procaads shell be peld to Granic<. Unexplred InsuranCll III Sale. Any unexpl",d Insuranca shell inure 10 tha benefil 01, and pass to, the purchaser of tha Properly covared by this PoAoogage at any lrustoo's sale or olher sale held undar the provisions of this MMgaga, or at any lc<acIosure sale of sur.h Property. Granlcw"a Report on IllSlr8llce. Upon ",quasi 01 Lender, however not mora than once a year, Grantor shell furnish to Lender a ",po~ on each exIa1ing policy of Insurance showing: (a) the nama of thalnsurar; (b) the risks insured; (c) the amount of the pollr.y; (d) the proparly Insured, the then current replacemenl value of such property, and lhe manner 01 detarmlnlng that value; end Ce) the explraUon dale of the po/icy. Granlo< shell, upon request of Lender, havo an Indapandent eppralser sollsfactory 10 Lender deiermlne the cesh valua replacement cost 01 the Properly. EXPENDITURES BY LENDER. If Grantor falls to comply with any provision of Ihls Mo<1gage, or If any action or proceeding Is commenced thai would materially affect Lender's Interests In the Property. Lender on Granlor's behalf may, but shell not bf. roqulred to. take eny action thaI lender dooms appropriate. Any amount that Lender expands In so doing will beer Inleresl at the rate provldCld fc< In the Note from the dete Incurrod or paid by Len~ to the dale of rep'I'lT'.cn! by G:.rrtor. ~ ouch "",an:os, all.Gndar's opton, y;J~ Ca) t.& payabia un damand. ib) be added 10 the baiance of the Nola and be apportioned among and be payable with any Inslellmant payments 10 becom. dua during elther ~) the term of any applicable Insurance policy or (i) lhe ",malnlng term of lhe Nola. or (e) be trealed as e balloon pa)'mont which wilf be due and payable at the Note'a rnalurtly. This Mortgage alSo will sacure payment of these amounls. The rights provided lor In 1M paragl1lPh shoJi be in addition to any olher rights c< any re_ to which Lender may be entiUed on account of t~.. default. Any such acUon by Lendar shall not be construed as curing the default so as to bar Lend... from any remedy that II olherwise would have hed. Granlor's obligation to Lendar for aJI such expenses shall s""'YO the antry of any mortgage loreclosuro judgmenL WARRANTY; DEFENSE OF TITLE. The following provisions relating to ownership 01 the Properly are a p~ of this Mortgage. TIDe. Grantor wanants thai: (a) Granic< holds l}OOd and marketable \ilia of record to lhe Properly In fee simple, trea and cIe6r of all liens and encumbrences other than Ihose set tooh in the Real Proporty descripllon c< In any tIIIa insurance policy, tilla repoo, c< final tille opinion Issued In favor ai, and accepted by, Lender In connocllon with this Morigage, and (b) Grantor has the full right. pow..., and authorily to execute and deli,,,, this Mortgage to Lender. Defense 01 TIlle. Subject to the exception In the paragraph abOVll. Grantc< warrants and will torovor defond the tille to the Property againsllha Iewful cIalms of aI parsons. In the evon! any action or procoeding is commencod Ihal que<bons Grantor's III1e Of lhe 1_ 01 Lender under ttus Mortgage, Grantc< shall defend the action at Grantor's axponso. Granlor may be the nominal partr in $UCh proceoding, but Lender shalt be entitlad to par1iclpalu In the prOC8Bding and to be represented In !he prucoeding by counsel 01 Lender's own Choice, and Grantor wID doliv..-. 0< cause to be _, to Lender such Inslr\Jn19nts as Lender may roqU&St ~om bme to time 10 ponrdf such par1lcipB.tlOn. Compllanca With LawL Granic< warrants thai tho PrOpolty nod Grantor's use of the Properly compiles ,,,In a! ilXlSting applicable 1aW$, ordlnancosl and regulations of governmental authorities. CONOCIolHA TlON. Tho following provisions relating to condemrlllUon of lno PropO<ty or. a part of lhit Mo.otoal:8. AppllUUon 01 Net Procoeds. II all or any part of lhe Proparly is condemned by ''''''118nl domain procood<ngs 0< by any prt:lCetld.ng or purchase In !leu 01 COndemnation, Lender ITlIlY at Its eIocIlon require (hal all c< any portion of lho not proc.aeds of the award be appl...d to !he Indebted.... ",the repair c< reslOl'8~on of the Property. The naI prOOll8ds 01 the award shaD """,n the awar~ ellar paymenl 01 aI actual cosl<. _"'..os, ond attorneys'tees Incuned by Lender in connocbon will1ttoo condemnation. ProceedltfllS. II any procoodlng In ecrnlemnalron rs filed. Grantc< .IUlU promptly notlly Lender In ..'l1\Jng. a"" GIanI", shaD promptly lIIke ouch slaps as "'ay be ~ 10 defend the action and oolain the award. Granlor may be the nominal party on .uch Proct'Gd'ng. but Lendtor .haI be 81ltitlad to par1iclpale In the procoedir'O and to be represented in the proceod,ng by counsel of Its own Choice, and Glantor wit: deliver Of cause 10 be c:Wvared 10 Lender such Instruments a. may be nlQllC$ted by n ~om time I~ time to permit such parlJcipafion. IMPOSfTIOH OF TUE.." FEES "'~D CH.j.-'~GES 8't' C-oVER'!!!E.'!!.....!.. ~.l!.!HCR!r!E!. Th: !o!=-:..~ ;::~.o;:;.:= :-=t:"'.; :v yvrir,iiirtt,fILlli iAAirio. fttn ,,"',\\1" jcY"1 n",.. -- 07-02-1998 MORTGAGE (Continued) Page 4 and charges are a p~ 01 this Mortgage: Currenl Texes, F.... and Charge.. Upon request by Landor, Grantor shall execute such documents In addition to this Mortgage and take whetaver other action is requested by Lender to pertect and continua Lend....s lien on the Real Proparty. Grantor shall reimburse Lander Ic< ali laxes as descrtbed below, logelhOf with all axpanses incurrod In recording, pe~ecting or conlinulng this Mo~gaga, Including without limitation all taxes: fees. documentary stamps, and other charges for recording or registering this MOr1gBgO. Taxes. The loIIowtng shell constituta taxes to which this saction applies: (a) a specific tax upon this Iype 01 Mo~gage c< upon all or any pa~ 01 Ihe Indabledness socurad by thiS Mo;Ig.1ga; (b) a .pocllie tax on Grantor which Grantor I. aulhorized Of required to deduct frem paymonls on tho Indebtedness secured by this I)'PO 01 Mortgeg.; (c) a tax on this Iypa .1 Mortgage chargeablo against the Lender c< Iha holdor 01 the Nole; and (d) a speclllc tax on all or any portion ot tha IndObtadnoss or on payment> 01 principal and Interesl mada by Grantc<. Subse<;uenl T3Xe.. 11 any tax to which this section applies Is enacted subsequent to Ihe dala 01 this Mo~gage, this avent shall haw lhe sama affect as an Ewnt 01 Delaull (as cialined balow), and Lander may BXBrclse any c< all 01 Its available ramedles lor an Ewnt 01 Delauti as provided balow unless Grentc< a1t"'" (a) pays lho tax balore II becomes dallnquenl, or (b) contests Iha tax as provided above In tha Taxes and Liens section and dtlposlts with Lendar cash c< a su1liclent co<porate surely bond c< other securily sallslaclory 10 Lander. - SECURITY AGREEMENT; FINANCING STATEMENTS. The lotlowlng provisions relating to Ihls Mortgaga as a securily egreemenl ora a p~ of Ihis Mortgega. Secu~ty Agreemenl. This Inslrument sheU constitute a securily agreemenlto the extent any of the Property constitutes tlxlures or other per.;onai property, and Lender sheU hew all 01 the rights ala secured pl1J1y under the Unlfofm Commercial Cod<! as amended from tima to time. 5ecu~ty Inleresl. Upon request by Lander, Grentor shall executa financing statemants and lake whetew< other ection Is requested by Lender to pBffect and continue Loncler's secul1ty Interest ;n Ihe Rents end Personal Properly. In addmon to recc<ding this Mortgaga In the real property records, Lender may, at any time and wlthoul fu~her euthcrtzation from Granic<, file executed counterperts, caples c< reprOductions of this Mcrt9age as a financing statement. Grantor sheU reimburse Lender Ic< all axpenses incuned In pl>1ecting 0( conUnulng this securily Interest. Upon defaull, Grantc< shell assembla the Per.;onal Property In a manner and at a place reasonably convenient to Granic< and Lender end make It available to Lender within three (3) days after receipt 01 wnllan damand from Lender. AddresseS. The mailing addresses of Grentor (debtor) and Lender (secured party), from which Inlc<mation concerning the security Interest granted by this Mortgage may be oblalned (each as required by the Unllc<m Commercial Code), are as slaled on the firsl paga 01 this Mortgage. FURlllER ASSURANCES; ATTORNEY-IN-FACT. The following provisions relaling to further assurances and allc<nay-ln-!acl are a p~ 01 this Mortgage. Further A'wuroncea. I>J any hma, and Irom time to lime, upon reque:;1 cf Lender, Grantor wiU make, executa and deliver, c< will cause to be mada, execuled or delivered, to Lander c< to Lender's deslgnoe, and when raquestad by Lender, causa 10 be filed, recorded, refilad, c< rerecorded, as the case may be, at such timBS and In such 01llces and places as Lender may deam appropriale, any and all such mortgages, daeds 01 trust, securily deods, securily agreements, financtng statements, continuation stalal118nts, Instruments ollurthor assurance, eerl1ficates, and other documents as may, In tha sola opinion 01 Lender, be nacassary or desirable In order to allectuata, complata, pBffecl, continue, c< preserve (a) tho obllgallons 01 Granlor under the Note, this Mortgage, and the Ralated Documents, and (b) tho liens and security Interests CtBaled by this Mortgaga as first and pric< liens on the Property, whether now owned c< hereafter acquired by Grantor. Unless prohiblled by law c< agraed to lhe contrary by Lender In writing, Gl'8ntor shall reimburse Lender for all costs and axpenses Inconed In connactlon wllh tha matters referred 10 in this paragraph. AUorney-ln-Facl. II Grantc< fails to do any 01 the things relened to In the preceding pamgraph, Lender ITIlIY do so Ic< and In the name of Grantc< and at Grantlll's expense. For such purposes, Grantor hereby Irrevocably appoints Lender as Grantor's all~n-fact for tho purpose 01 making, oxecuting, delivering. filing, recording, and doing all other things as may be nocessary c< desirabla, In Lend....s sola opinion, to eccompllsh tho mailers referred to In the preceding paragraph. FI.l.L PERFORMANCE. II Grantor pays all the Indabledness when due, and olherwlse pBfforms all the obllgallons Imposed upon Grantor under this Mortgage, Lender shall execute and deliver to Grantor a suitable sallslectlon of this Mortgage and suitable statements 01 termination 01 any nnanclng stalemanl on hie BVIdenong LenDer's secunty interest in lne Rents and the PersOnal Propeny. Granic< WIll pay. II pemulle<l by applicabla law, any reasonable termination lee as determined by Lender from lima to lima. DEFAlA. T. Eech of thalollowing, et the option 01 Lender, shell conslituta an event of default ("Event of Default") under this Morlg.ge: Delaun on Indebtedness. Failure of Grantc< 10 nuke any payment when due on the Indebtedness. ~Iault on Other Payments. Failure of Grantc< within the lime required by this Mortgage to make any paymenllc< taxes or Insurance, c< any other payment necessary to prevant "ling 01 c< to etfoct dlschargo 01 any lien. CDmpllBnCe Del""'t. Failure of G,antc< to comply with any other term, obligation, covenant or condition containod In this Mortgage, the Note or In any ot the Related Documents. Delaullln Fevor of ThIrd Putles. Should Grantor delault under any loan, extension 01 credit, security aiJRlOment, purehase c< sales egreement, c< any other agreement, in Ievc< of any other credllc< or po<son that may matenally affect any of GranlCl's property c< GrantCl's abllJly to repay Iha Note or Grentlll's abllily to periorm Grantlll's obligations under this Mo~gaga c< any 01 tho Releled Documents. False Statements. Any wllrTllnty, repr....nlation c< statem""t made c< turnished to Lender by c< on behall 01 Granier under this Moogage, the Note or Iho Related Documents is false c< m;,;Jeading in any malBffal respect, eI1her now c< at 1110 time made or tumished. DelecDve CollalerallZlllIon. This Mortgege c< any 01 the Related Documents ceases to be In M lorca and eftec1 (Including failure 01 any collateral documents to create a valid and perfectnd securily interest or lien) at any Umo and Ic< any reasoo. Death or InllQ/vency. The death of Granic< or the dissolution or tormlnation 01 GrantO!'s oxistance as a going business, tho insolvancy of Gran~or, tho appoinlrnent of a receiver Ic< any part 01 Grantlll's properly, any ess;gnment lor tha benefit 01 creditors, arTf Iypo 01 creditc< wCt1<out, c< the commencement oIeny proceeding under eny bankruptcy or Insolvency laws by or against Granlor. f-o<eelosure, Forfelture, elc. Commencemenl oIlOlllclosure c< tocloiture procoodings. whether by Judicial proceeding, seIf-llelp, rllpossesslon c< eny olhllr method. by any credrtor of Grantc< c< by any govemmeetalagency against any at tho Properly. However, this subsacbon shaU not apply In tho OVIlnt of a good larth dlspute by Gran!c< as to the validity c< reasonableness of tho claim whlc.~ " tho basil of the Ioroclosure or forelellure proceeding. provoded thel Grantor gives Lander wrillan notice of such claim end furnishes reW~ or I suroly bond tor tho claim saliSfaClorY to Lender. Breach or Other Agreemenl. Any brTJach by Grantc< under the tOfmS of any othor agreement belwoan Grantar and Lend<lr thet II not remedied within any graao penod prOVlded therllln. Including Wlthoul Iomitation any agreement concerning any Indebted""". or Olher obligation 01 Grantor to Lender, _ ""'slong now c< later. Dnl\d.i~ ~M'~ :lRti 07-02-1998 MORTGAGE (ConUnued) Page 5 - Events Allacllng Guaranlor. Any 01 Ih. preceding evonts QCcue.; with respect to any Guarantor 01 any 01 the Indebladness or any Guarantc< dies or becomes Incompelant, c< revokes c< disputes the velldily 01, c< liability undar, any Guaranly ollhe Indebladnoss. Adverllll Change. A matonal adVOfSO changa occurs In Grantor's nnanclal condlllon, or L.ndar b.liaV05lhe prospect 01. paymenl or pMormanca of tho Indebtedness Is impaired. Inaecu~ly. Lendar In good llith dooms itself IlIsocura. RIGHTS AND REMEDIES ON DEFAll. T. Upon the occurrenca 01 any Event 01 Delaulf and at any lima lharaaller, Lender, al ils opllon, mayer.ercise any ona c< man> oIlhe following righls and remedies, in addillon 10 any otho< rights c< remedias provided by iaw: Accelerate Indebtedness. Subject to applicable law, Lander shall heva the right al lis opllon wilhoul notice to Grantor to declara tho anllr. Ind.bledness Immedlataly dua and payable. UCC Remedies. Wlfh respect to aU c< any part of the Personal Prop~, Lender shell have aJlthe rights and remedies 01 a secured party under the Uniform Commercial Cod.. _ CoIl$C\ Rants. L.nder shall have Ihe right, wlfhout nollce 10 Granic<, to l8l<e p0SSB$5lon 01 lhe Proporly and collect the Rents, Including amounts past due and unpaid, and apply lha net proceeds, over and above Lender's costs, against the Ind.bt.d...... In fu~"'ance 01 this righi, Lendar may require any t.nant c< oth.r user 01 the Properly 10 maka payments 01 ronl or """ fees dlreclly to Lender. If lhe Renls are collected by Lender, Ihen Grantor Irrevocably doslgnatos Lender as Grantor's allornoy-ln-lact to endOf'Sll Instruments received In peymanl Ihereof In the nama 01 GranIc< and to nllQollate the same and collect the proceedS. Paymanls by tananb c< other users 10 L.nder In response to Lender's demand shall sal!sfy !he obligallons lor which the paymanl3 BID mado, whothc< or nol any propor groundS lor the d6mand existed. Lender may sxoo:ise ils rights under this subparagraph ..tho< In person, by agent, c< through a rece'-. AppoInl Recetver. Lender shell have tha right 10 have a recelvar appolnted to tek. possession 01 all or any pa~ of the Property, wllh Ihe power to prolecl and plllS8<W the Property, to operate Iha Properly prec.dlng loreclosure c< sala, and 10 collectlh. Ranis from the Property and apply the proceeds, over and above the cosl of the receivership, age.lnst Illa Indebtedness. The recelVOl may sarve Without bond If permitted by law. Lender's right to the appolntment of a receiver shaft exist whether c< not the apparent value of lhe Properly oxceeds the Indebt.dness by a subslanllalamounl Employment by Lendar sheU not disquallty a person from serving as a receiver. Judlclo! Foreclosun!. lander may obL1in ajudici.1 deeree lorocIosing Granto~s Inlarest In an c< any part olth. Proparty. PoslIeHlon 01"'0 Property. Fc< lhe purposa of procuring possassion oltha Proporly, Grantc< hereby authortZ!ls and empowers any allornay of any cou~ 01 record in the Commonweallh 01 P.nnsylvenla c< elsewhere, as allc<n.y Ic< Lender and all persons claiming under c< through Land..., to sign an agreomanl Ic< entonng In any competent couri an amicable sclion In .)eclmant for possession of the Property and 10 appaar Ic< and conles5 Judgment agalroSt Grantor, and against alf persons claiming under or through Grentc<, lor Iha recoV8!)' by Lender 01 pOSSElSSion 01 the Properly, Without any stey ofaxecutlon, Ic< which this Mortgag., c< a copy 01 this Mortgage VOfified by af1ldevil, shall be a sufficient warranl; and lho<eupon a wr1t of possession may be Issued 1c<lhwith, without .ny prtor writ or proceeding whatsoever. NonjudICial Sale. "P""Tlltted by applicable law, Lender may loractose Granlor's Interest In all or in any pm ofth. PersoMl Property c< tha RaaI Property by nonjudicial sale. Deftclency Judgment. Lender may oblaln a judgmenllc< any deficiency remaining In the Indebtedness dua to Lend... after appllcallon 01 aU amounts recelVIl'd from the exercise of the rights provided In Ihis section. Tenancy at SU1l1lrllllCe. If Grantc< romolns In possession of Ihe Property after the Properly is sold a. provided ebove or Lend... othelwlse becomes entlllod to pOS!8SSlon of the Property upon default of Grantc<, Granlor shall becoma a tenant 01 sufferance of Lender or tha Purchaser 01 the Properly And shan, al Lender's opllon, either (el pay a reasonable rental for the use 01 the Property, (~ (b) vacale the Properly Immediately upon lhe demand of Lend.... Olto6l' -:.... Lender shall heve all o/h... rights ano remoolOS proVloOQ In IBIS Mortgage c< the Note c< available at law or in equity. Sale ollhe Property. To the extanl parmlnad by applicable law, Grantor ho<eby waives any and all right 10 hevo the property marshalled. In exercising Its nghts and remedies. Lender shall be Irae to safI aU or any pa~ 01 lha Prop~ together c< separataly, In ana sale or by oeparet. sates. LInder .hal be entlllad III bid at any public sale on all or any portion 01 the Properly. Nollce 01 Sale. Lend... shan give GrantOl reasonable notice ollhe time and place 01 any publiC sale of the Parsonal Property or of the tima anar which any privata sate c< olho< Intanded disposition of the Personal Property Is to b. mada. Unless olherwlsa required by applicable taw, reasonable nofico sheU mean notice given at least ten (10) days belore the tima oIlhe sale or disposition. WllIver; ElectIon of Remedies. A waiver by any party of a breach 01 a provision oIlh1s Mortgage shall nol COnslltuta a welver of c< prejudice the party's rights otherovisa 10 demand strict compliance with lhat provision or any olher provision. Election by Lander to pursue any remedy Sha! not excIuda pUO'$Uil 01 any otho< remedy, and an eIoclion 10 make expenditures or l8l<e aclIon to pertorm an obligallon 01 Granic< under Ihil Mortgage an", laJure 01 GrantOllo perlo<m shall not allecl Lender's righllo decIIlnI a dolaulland exercise Its remedies under thl. Mortgaoe. Allom<ya' F....; E!penseL If Lender Instilute$ any sull c< action to enforce any 01 the lorms 01 this Mor1Qaoo, Lender shall be antitled to recover such wm as the court may adjudge ronsonable as allorooys' foes allnal and on any appeal. WheIhar c< not any cou~ action is Involved. aI roasonable expenses Incumld by Lender that In lJonder's oplnlon aro necessary al any time Ic< IIle protaclion 01 Its intemsl or the enforcement 01 Its rights shall become a pari 0I11le Indebtedness payable on demand and shall baor Inleresllrom fhe dais 01 expenditure unlll repaid llthe rsta provided for in the Note. Expenses COVllr8d by this oaraO'aph Include, without II_bon, how.- sub)eclto any fimits under applicablo law, Lender's aIIorneys' ,.... and Lender's Iegaf expenses "'hl'lhIl< Ol not there Is a lawsutl. Including allorneys' foes for bankruptcy proceodings (Including oftor1s to moclily c< vacale any a"tomalic slay or injuncilonl. cppeals and any anliclpated po-..I-judgment coIIec:lion OIl<\'lces, IIle cost 01 seaocI1ing records, oblalnlng I/1Ia repo<1s (InclUding tortdO$UfD lopor1Sl. surv.yors' reports, and appraiSllJ fees, and bile Insurance. to tho exfa<>t perm/lIod by &;lPbb1e law. Grantc< &Iso wIll'lY any eoUo1 COSI$, in addition to al other sums prOVIded by law. NOTIa:5 TO GRANTOR AMl OTHER PARTtES. Unless 01h<<w1sa provided by applicable law, any nollce under this Morlgage sh&ll ba in wrlJIng, may be ...01 by leIolacsimllo (unless oIh3rw"", requVEd by law). and sha! be oNectM' when actuory deVvlnd. c< when depos/led wrth a nalionsUy mc:ognil8d ovemoght courier, Ol. K milled, shal be deomed D!lecbvo when deposited in the Unl10d States mal fnt class, cortffieod or regisllnd mall, pOSlage propairt. dlracled to \hi addres$es snown near the bt9nnlng 01 !hI$ Mortgage. Any party may change Its address 'c< notlcos uncler 1m MCJ1ilI08 by giVIng lama! wnl1en notice 10 !tie o!ller partJOs, spec;l!y!ng Ih&tthe PUTPO"'" oIlha noX:e Is 10 change IIle party's address. AI COP'" of nolIc8I 0I1or1lcto>u<. bom the holder oIa"y 11M w'hlch has pnorlly aver this Mortgage shal bs sent 10 Lender'. address. as shown near the be\!innlng of INs lolor1ga\ll. Fc< no"'" purposes. GranIc< agrees to keep Lender Intormed alaa bmes 01 Granlor's current address. MISCfllANEOUS PROYtSIOICS. The loII"","Il mlSC8lla"""", prCM$ions are a part oIth,. loIonQl\ll: knencknent&. ThIs U~. ~ ~ !"Y ~.!;~ ~~~~ ~~~~= ~ =~ ~:"~-':':-.:%.-.; .i~ .~___T.e'llt oi ihtr pariia as 10 me ! I 07-02-1998 MORTGAGE (Continued) Pelle 6 mailers sellor1h In this Mor1QaQe. No slleraUon 01 or amandmenl to this MO~Qaga shall be ellecllve unless glvon In wntlnQ and signed by Iha pa~ 0< pa~las ,0uQht to be cha'lled 0< bound by Iha alterallon or amendment. "'nnuol Repo~s. If the Prope~ Is used 10< purposas othar Ihan Granto(s rasldenca, Grantor shalllurnlsh to Lend"" upon ,equasl, a certlllad statemenl 01 nel operallng Income received tram Ihe Pr0ge~ during Grantor's previous tiScal \'1lar In such form and detail as Lander shell reqUITe. "Net operallnQ Income" shall mean all cash recalpts from lhe Prope~ less all cash axpendltures mada In connecllon wllh the operallon ot Iha Propa~. Applicable Law. This Mortgage has been dallvered to Lender and occepled by Lender In the Commonwealth 01 Pennsylvanle. Thla MMgage shall be governed by and construed In occordance wllh the laWs or Iho Commoll'...::lh 01 PennsylvMI8. Capllon Headings. Ceptlon headings in Ihis Mo~gaQa are lor con\l9nlence purposes only and are not to be used to inlerpret 0< defina tha provisions 01 Ihls Mo~gago. Merll"l'. There shall be no me'll'" 01 the Inlerast 0< astala ",ealed by this MOOgage wllh any olher Inlarest 0< ...tale In Ihe Properly at any tima held by or to< the benalll 01 Lendor In any capac1Iy, without the wrlllen consont 01 Lender.. - Mulllple Pertles. All obligations of Grantor und... Ihls Morlgage shall be Joint and SBVmII, and an references 10 Granic< .hell mean each and avery Grantor. This moans lhat each of Ihe persons signing below Is responsible lor 1lI1 obligations In this MOOgage. Severablllty. If a cou~ of compalenljurisdlction finds any provision ot Ihls MOOgaga to be Inwlld or unenlorceable lIS to any parson or CIrCumstance, such finding shall not rend... lhet provision Invslld or unenforceable I1S to any other persons or clrcumstances. II foaslbla, any such offending provlslon shall be deemed 10 bo modified 10 be wllhln the IImtls 01 enforCOllbiUty or vslidily; however. If the OIIanding provision cannol be so modified, II .hall be slricl<en and all other provisions 01 this Mortgage in all other respects shall romaln wild and enforceable. Sl~"^'" and AssIgns. Subjecl to Iha limitations stated In this Mortgage on lransfor 01 Grenlor's Inl"'05t, Ihls MOOgago shan bs binding upon and IrlUIlllo tha benoflt 01100 parlles, their heirs, personal representallllOS. .uccessors snd assigns. II ownorshlp of the Property ber:OmM \I8SIed In a person o!h... than Granto<, Lander, without notice to Grento<, may deal with Granier's successors with reler&nce 10 this Mor1gage and Ihe Indebtadness by way of lortJearance 0< exlenslon without releasing Grantor from lhe obligations 01 this MOOgage or liabillly under the Indebtedness. Time Is ollhe Essence. Time Is 01 the essence In the pefformanca of this Mor1Qalle. WoIVers ond Consent.. Lend... shall not ba deemed to hevo waived any rights und... this MOOgaga (0< und... the Relatod Oocumenls) un1e5s such walll9f Is In writing and signed by Lendor. No doloy or omlsslon on Ihe part 01 Lender In _ng any right shall oparate os a waiver of such ~ht 0< any other ~ht. ... waJvor by any perly 01 a provision 01 this MOOgage shan not constituta a walvar of 0< prejudice the par1y's ~ht otherwise to demand strict compHance wilh that provision 0< any other provision. No prior waiver by Lander. no< any courso of dealing between Lender and Granto<, shall constitulo a waill9f of any of Lender's ~hls or any 01 Granter's obligations os to any future transactto",. When""", consent by Lender Is required in this MMgage, the granting 01 such consent by Lend... In any Instence shall nol constitute continuing consent 10 subsequenl Instances whore such consent Is required. - EACH GRANTOR ACKNOWLEDGES HAVING READ All THE PROVISIONS OF THIS MORTG"'GE, AND EACH GRANTOR "'GREES TO ITS TERMS. THIS MORTGAGE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED. GRANTOR: X~_~"'D.."'.Th'.".iruL?,Jr'..J'/ ~::..L. ..' ~ -;;; ~ _~~ . . (SEAL} x.tfPii:J;.;..J#..,~~ Beanor .... ThruM .....(Wil... / CERTIFICATE OF RESIDENCE I hemby cer1lfy, thet the preClso addross 01 the mortgagee. Anancllll Trust Company, herein Is OS tollows: 0rJe Weill High Street, Carlisle, PA 17013 ~LZ?" _ _ ....HaM- cr"~l 'lrMLYlgt",,--, eood467uCE .386 07..(12-1998 MORTGAGE (Continued) Page 7 - ....... INDIVIDUAL ACKNOWLEDGMENT -':.'.-siAiE-6~-.~~Y:"'ONa' ~6S CO~;';OFG J~~\~~ I . ',. ll~ ::Sc...~ 19q<;t before me So..\'\.~ \ \.l.J. t\:,~~. the On Ihls, the (I'- day of .1/1 sh Jr ~E1eanor A Thrush known to me (0< sallsfactorlly proven) 10 be t person underSigned Notary Public. persDthnallytllphl P:':;I~::nl ~~~~no~edged that they "';"Uled the sam.a for th.e purposes~th.rein conlalned. - whose namas ere subscnbed to e W1 n '. . ~/~ 'In witness whereof, I hereunto set my hand and olllclol seal. .r ~ ~L _ "';;'otary Public In .~d for the Slate. .~f . _ :: V . T M 011 Vo< 3 ,. lei ,... CFI ProServiees, Inc. AlIrlghlsrncrvcd. tPA.G03 THAUSHJR.LN C.3.0VLI . , .; . LASER PAO. Reg. U.S. PAl. & .. ., .. '. _ . . t;.... . . . . NIlTi\1l'Al SE1\t. ~wa W.loli\.ltl:S,1tlIWtY1'U8UC CAAUSlE 6ORO CUhlllSi\A~D C'JIllI1Y ., llYCQU~.lISS!O.~'EXFI~6 Jl'1.Y 27. \9311 .~...;.; :";. ~'.i' :~';:~~'(~~: .,:: .':: /'.:':; :~::, ~..' "." '. ,',' ", /';~<' .:;::,," ",'.,'. . ,'- .,,'. ,", .'. ....,. ~~:~::~,!'ri;;if:j:~;;: " ", /~ 1;:,~~" ," '. ALL that certaJ.n lot 'of land nth the :lJnprovements in Dicldnson Township, Cumbezoland County, Penn.sylvan1.a. bounded and descr1bed 8-11 fo.lloVll: BEGINNING at a spike in the centerline or Pcnnsylvan:la Route No. l7~, on the line of land nOli or' formerly or Glenn G:Ubert; thence along the latter, North 10 degrees 00 minutes ~9 seconds West. a distance or 189.93 reet to an iron pin on the line of land retaJ.ned by l:he Grantors herein; thence along the latter, N~-th 79 degrees .09 minutes ~O seconds East. a di8tllllce of 269.29 feet to an iron pin; thence along the a8llle, South 08 degrees 01 minute ~2 seconds East. a ~stance or 187.00 reet to a spike in the centerline of said Pennsylvania Route No. 17~; then.ce along the latter, South i8 degrees 30 minutes 00 seconds East, a distance of 262.88 reet to a spike, the Place of BEGINNING. CONTAINING .969 acrea and being described according to a rinal subdi~ion plan for Paul Thrush, Sr., by \lilb!:.%' H. Cl1t'ton, R.S., dated June 29, 1978. and recorded in the Ot!'ice of the .Recorder of Dceds tor Cumberland County, PennsY1Vl!.ll1a, in Plan Boole 33 , Page 76 . and being designated as Lot No. 1 thereon. ._--" - .. -~..~. Bou_1467 fAGE .387 .. " .. . .._ .. ... . _..' _.... .._M ... .._~~_...--,..-.,..,.....~ ............ ..~,~....... ! I ....Jt1.AT_Wnf.l'ltv DHd. Ih-oIt 'Ol'"'- Ad of IlOf-NTInlM lot ",Oto-F1I1COfdlll' Hln" H.lI, Inc., 1r<<t"M, ,.., fltbi~ ~eeb, MADE THE H~ 0' our Lord 011' tlwv.and ..in. hundrdd dav 0' ~....l<.. seventy-eight (1978) ill tM V,Br . I ! RETWEEN PAUL D. THRUSH and MARY C. THRUSH, hi.s wife, or Dickinson Township, Cumberland County, Pennsylvania, hereinafter called Gl'4ntor1l . and PAUL D. THRUSH, JR. and ELEANOR A. THRUSH, his wife, of R. D. #5, Box 459, Car11s1e, Cumberland County, Pennsylvan1a, hereinafter called Gro.nl..8 : WITNESSETH, that in conIid'l'4tion 0' One and no/lOO------------------------ :;;.:~-;~~.-;;.:~;;.;;,~-.:h~;.~i"i.-;;:bV-~-;;,~,;~~~t~;.-.:id-;;:;;~;o~;-d;---;;;~b~:::i I and e<>nv.v to tho ,aid Ol'4ntll 8, the1r he1rs and assigns, as tenants by the entireties . ALL that certain lot of land w1th the 1Jnprovemente thereon situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and deacribed aa followa: BEGINNING at a spike in the centerline of Pennsylvania Route No. 174, on the line of land now or formerly at: Glenn G1lbert; thenoe along the latter, North 10 degrees 00 minutes 49 seconds Wcst, c d18t~~ce or 189.93 reet to an iron pin on the line of land retained by the Grantors herein; thence along the latter, North 79 degrees 09 m1nutes 40 seconds East, a distance of 269.29 feet to an iron pin; thence along the same, South 08 degrees 01 minute 42 seconds East, a distance of 187.00 feet bO a sp1ke in the centerline or sa1d Pennsylvan1a Route No. 174; thence along the latter, South 78 degrees 30 minutes 00 seconds Eaat, a distance of 262.88 feet to a spike, the ,Place of BEGINNING. CONTAINING .969 acres and being described according to a final aubd1v1.sion plan for Paul Thrush, Sr., by Wilbur H. Clifton, R,3., dated June 29, 1978, and recorded in the Orrice of the Recorder of Deeda ror Cumberland County, Pennaylvania, in Plan Book 33 , Page 76 , and being designated as I Lot No. 1 thereon. BEINO part or the same property which George W. We1tzel, widower, &~nt~~ Nid ~cu.~y~d ~c PAyl D. T~~~=h ;n~ ~~~~ C. ~~~;=h. ~~~ ~!!e. Grantorn herein, by deed :1at..~ Auguat17, 1948 and recorded in the ~28 rm 413 EXHIBIT ! I C. \ i'.'[J:/C.:' cr ''./;':'~I'T,'\}:'., ;"'/4' (~'UPE:"'~.'~'<:':'v': --' . ""'-' Eleanor.A. _Thrush... .972 West. Old .York .Road .m....CarLi sle..PL.1.ZOJL__,.. ........H __.. . ,,,' .f . . November 3, 1998 .,~, 313435-30015 i"l" ~'.~UIFGll.C: ;"",~ I)',. financial Trust Co. . illE:re' C,j'l':r "'t!. "" cr ,,"n! 011 your jl'Oflo.rw 10C,(':ll ill _ !172. Jolest Old XQr.k. RQad, Carli s.1 e.. 1'A....17.0.13 IS j !'j .')[ :~ I (,US L':E FA U L r !)r;'c.7(JSU ~'nl/ .-'1(Jl. e not n;iJl/e t/;i.' I!Wl1ihly P:,j"!ll!n~:; i.':'~: 1 f 1.16.76 ,. foe In, ,!:.'/lII>s u,'.. ~pt..embeL ___... _.. _O..cJ9b.er. __m ___.__. d:' :..J~Qv..ember 199.8 .----, t], ~(f:~;/' /.l~'C:J' I.>;P ,. L,~t(: ,:n jr~}r.':j :'1:(1 c!h...j i.:t)ci~JI;S h,N,~ 3150 d;:r,r:a~d to thi~ ~.h~.~-1 in ~l'~ :'1/TlC;J1I! cf -$111-.68 \l"o;'~,,:-:I, 1;(1.'" r'JCjUJfNi tc l:U:-r. l~l;~ dt!~,1I.dt, or 11: ,)th,::r word~\, (jet ::a\lgnt IIf' :.. ,/,'\; ,.,.... H!.':. :'; '::3,461.96 T;'~;~ tota; ..' ;:. ~ . \:.t r.hj~ y.:;u .'l1"~Y rUfe This rl~'f,7U/t within Th" RTY (30) VA YS of the date of tlllS /et,'i:r. i::~,. r.dvi"e t.': ,. . :.:1N abol':? amount 0'- ~ 3,461.96. ".- ._, plus any :Jd1diol1al n7onth/v Davrnr!l1ts andlJte -;h.:"J/J'::' I,.;",'_.l; l1i-;'. :'.,1:: :,; '.: <'uiJ'J.? !hL<:: peri"'h'l, SlH:h pairT')f~flt must be madQ l~ith~r by ca:Jh, cashirn's check, cel1ified ch.:d" ...~( '-;l! . I.' '. ~:.~:)r, -:<r:.-I r'iJ(h: (It _..u.. _.._... EinanciaLIrust ..CO..._n........_. .._____.____........___._._....___.... w m.___. H (011 (~() not cure the d-:bult w~thin THIRTY (30) D,,\YS, lye in/en,i (i-: ...J,\'..':'C'-X ".''i'': :;: );:;(~'~'-"'.'it!..' t."t! nWffyay& paynu.ll1ts, This means that whahNer is owin8 on the original 31T10LI:lt torJ u\,,1wJ '/\ ;i: :~0 c..Qr,-5.il:~(~ro;?d due im:llediatelv and '{OU mav lose the chance to pav off the original mortgage ir. l':lonthl'/ ji'!~,t,:;'!.";l).~",~~:. t; f;di rJJ'tTwnt of lhF: ;In;n~.JrH cf defall!t i;. not n"\3de \/Jil.hin THiPTY (30) CAYS, ~VI:' a/so inrPlld t!;,. ISt./::" ,~J .:{l ~'-i1:Jl":'.i) ~Wrt a /31':~U:'t to foreclose rour 1l~(jrcg8ged proprrrv. If the mortgage is forec!osed vour "':Jrl.~~,;.p.:."': 1...1.' ,_l,CCI:~' l't'f'iJ h,.} sold bV ~fre Sh?riff to PiJY off the n~ortqagr. deht. I f we refer your case to our att(Jrne'/s, hu~ '{[.II: c~'r; ';>...: (.j;]r;'lll~ ~ef()re they b~:\~It"1 i'~!Jii ~tlcr.N~dlf\l}:; agaip:;l VCllJ, vou will still have to pav the rEi-1S0r!2hk aftO;h"/'-~ ":'~'~':l. '=;~> I:"~:V :1l,:l.ly'cd, up to $50. no, H()\\'ev~r, it legJI prGCI~edil1g$ are started anainst you, you will have tc pJV t'-l':; l',;:-L:C.J 1.1~';i~ ..~ :t':'1 ,l~:,/ '::; fec5 ever, if- ",h~"/ n'''C OVtlt' SEO.OO. Al"v :1ttorm~y'! fees will be adrled to wh:Hevr3r yell f'wr-. :.r,. ,,\.h;,:~: ~'l'." "li~o il1cl1Jde our r'.:d'lOP.J,;.-; C05ts, 1/ ~'UI" ,'fire (fit' r/er:~"/t V':ithin :hC! thirtv day "e.-ior!. VOl.! \\1/: r,tJ-.'lr..' t,'":.""";..,,.,: :.,' !:.::.: }rt,)....';t)~f..s fees, We may also sue yOU personally for the unpaid principal balance and all other sums dCle un'j": :ne cnongnge. if \'OU have not cured tt'e defdult within the thirty dav P€rlcd ;md forl!c:osLlr~~ p'G:..;,'...j;:j~I":- 'l',f: bi;f]l..:~, yea still ha.,e the right to cure the lfet~111lt dnd prevent rIle sale at anv time up to onehoul' beTG,:'" Uie .;h'!r!f,c's /OI"l.'t:;'o.lct"e ,ale, ''''-Otl mav do so bv paving the tOfa! amount ollhe unpaid n10nthlv payments plu~ ilt:\/ ,'.L't3 :::, ,:.'t/iC.r :'/:::,:';c,' :71?n c,'ue, ,-;s I.~ f.'n ~s :he re.'1sonab/c attOl'!1eJ' '.... fees and costs cl1nr.,',,:cted wier. the flJ"~('ios~irLl ,~'JI:,l ,j ".~' ,,:':, "'..>',' ,1_':. :~ !'//<!..- re';j'~J;re. l11iJ.'1(S wuJer the /17ortgagr.. It is estimated that the earliest date that such ~ S>,~~<~'.; ,~:j;~ lTtl! ~ :::<:" :le:d vvo:.dd ::'e apnrc;..,irr.;Hel'f _ .12Q..dnys ., ~ notke of lhu date Of !~1-= ShN~ff ~.:le wi'! ~t: ~~.~~ tc '~', ::.0," ::;(,~ \Pfil!;; ':): -:-0111S8. t1'1t: ~,:'IK~r.t ....\?~Jt1ed to i:'~J{'2' -:l'.(; Ut;f~ull \Ni:~ ;ncr9:.J'T th,') !nnrlt'r 'yOi'; \!\-'Jlt. Y',;u ,.i\~'. :;,"; ~l'j :' ['.: ~I:',:~: \\dl,~: the nX:IJ!r~u p,:vr:~o;!nt Will b~ bV c31ling us ai the fol~o\\'lng PUl~lbt;r: ~159,___., ,,-~: "~':'l:i'~','''' ::l~.;:;~ :',8 Ii: ;;i;?:.:h, ("IS~~;<.'r'.; c!.('ck, c!;r.t:h'd :::heck or mon'2Y orc!er <Jnd .-....l~~de p8v3blc to US at lhs dr.(~rc:< $:.~:t;'Gl:jCV,S', \ ':'l, '.:;';l.~,..':i I.!n:t":~ rhJ.t a SI1P.riH',; SJlc '.','11i '2n\"i Y'c>ur OVl,::'lershio ,~~t ~hf: r,;~(,r:oa~;r'd y".:,":'r'.' ,'i~'_! V~):I~' r'gi'l ~:'" r:~m3il~ ;r' ~r If '.'ou cCI,~jnll'? to ~!VP in t:,e prnj)t~rtv a.fter thp. Sheriff's sale.:~ law~:;~t L'Ol!!d b,? :'~.~.... '.; '!"J ,./.'t V':.'I,: ~',"'.: ,:"., , t" '.,1. lJl i- r.' l,'i: ";;~~\.\ ;)1', ;:',."r::~; d":: (I!r'''~c:-; '",_~,1. ,"';C.,~~~~-~',. Y...i c..sr~:I" \'K!i\E': T'C: .")_~' ~',;:;: ~'HE ,\/iCHT,:,..'<~t ~""~2T ,,: 'I:l"-:-;l":=,-: t.t,~!:::;" ,-' i':S~::'t'T:()\~ "f,." .)../ C '=-? ~~_J:S =E~T. ';'C'I'..I. I '. ....._, ....., ' . ',- : '::: ';'i"J.,'.,"" ~::r: ~ ~t~E c~~""'--r::-: n., ::L'B,:',::(:T 71.;'-. \I"."~r~~rj,\,:;-~ '~. :~ .~,<,.' ',~:':/I;,:.. l:.:,~,1 ..- ~ . :.) : ~-:' r- '.' , ~S'~;'\l~: ::,~; ..iO;;.;I.],..~(:;:: ~:'::S7, ,..:".: )".' J:~:".' ~ .--1,.\';" ;~:...'_ 4'-:!~ ~_~!_, !_~ ~". ~'l:; !\;::\...~.:-. '~E';.~; .\ \i' ':-,';~J:S ,\ ''': f: :,;-;\: --... .'),:) irJ ~-: 1 ~' 0'; ,\ 1 ~..~: ~,1'':' ,- ~..,; ~ -' r- ~ , , Ii ~- ".. ~BIT , J' ) -, ." . -::t<iI>~"""'_l< L~",,,,<',,,-~_ Ki~btrlv 0 HammOnd.-"loon Workout Offirf'r I . . " '.1'0:-/, c eft; I.'ij:'."::.".'.-.':~',V tl~ :"'-O;.-;:=-Ct03=, '.': ,..--- fe;. Pau)J1._-'!:QT.1l_S!kJr:.__._ _ ..._n.. 972 West 01 d York Road ,......... "'Carii"s'l e iA" Tzoif.::_=.~=..___..__._. .____nn """ '.! c/,,; Novewmber 3, 199.8. '.Oi'j ;;" 313435-300.15 TI-"o MORCi.'t\GE :wl'J ~]\ Financial Trust Co. lhere!naft~r It/e, us or ours; on your projJertv i(JC(ii.~d ;,H __9.72..West .o.ld.York-, Road, Cal'.l,isle .PA. . 47G-1-3-- is Ir.J ~,f.:n lOUS D[FAUL T because' ;..OU /}3VH /lO{ n;.1de tll:] t,t'lO/H/7/y (li.Hi:j;!:!;}:.': a/:; .1,1.1 Q ,)p . H_~.__ f,)1 ti,e /ljf)"rhs or .. __ ~~R1~J!I.!2~.r:._..__. _._., _Dc t.Qber_ ...__ _ .__ , aill:Nwembe.r 1998 - -. --. . ... .....---_, :~,"(!, C:' !.It'i'3U,,.~ LH2 ':!13r"Jl1{, Jr'd \)thl~r r;h::rgL'::~ hav-;:! ~i:i..) a::~.rl:td ~~) th;~ dd:~ in the 5rY10ur,~ 01 ~$.111...68- -. -.. 1t~I\Il,'" j'i1."/. "".'!u;l'~d to ,;.1:'",: this d,:-L:ll.:i, (:j in. :,I!.IN wo(d.~. ~ct 1:(lJgh:. de ii: ''r',~:l: ;1~~',"'~1:~' ."., "S 3,461.96 ... i'1., total . ,: :.'.l(f' ot t:~is You :.Ii.n.. cure th/; {kf.?lIi.r ~l;thi'i T..!-!.'PTY (")r)) OA }/$ of rhe date of ~hi~ i~t{A( ,:'/ 'l,t~/:n? to {/') t":i-..' ,.~,!,-il:;J:U7iO{lnt ct S 3,461.96.. __.~.._., pil;S c1i'\, :'dt/iricnai r.:on(/lI'I ,i..~aVlTi\.L):'S jJ/1.-i lOlL' /.~/lfJ:~'f;.' ""':;"'.;':; 1I,\1} ([)// ..n.I} (i'.iI.:.'~g this ,~":.{,:)(IFfnlc1Rc~~\1n1fFOituCb~'~ made ~ither by r.2sh. CJshi~r'::; check, certifIed d!f~r:k ~.,t' [flOP;;,'; drdef, ar.d rnadB at if you do pot Clll'2 the d8fi2ult \~:i:~l;n TH1HTY {Jm DA'YS, :.'n.' i:J!l)/ir.' ,-:~ ~..'-iJ!f'i~"; :~t!." ,'igt'')r to :u:celcrate the n;O,rrg:1i;fe pa)/mi::ntE. This means that \"Jhatever i:; Q\fJ1ng on the or:gindl arne,unt C':-',i O't~ed vlfnl be considered due iiT'lilh~d:a~.elv anrl yO'..; m3V Ico;c the chance to pav off th;.:. original mortgi'gf:' in n'cn1h1y in$~'::!t:j~L\~l\~, if h:ll p.3ymcnt of ,h, ;'ln~I:lnt ,:f defauit is n01 rn,'KJ!~ witl-:i" TLliR"TY (30) DAVS, ~t'e ~il!.'('" /n:end to ;:l:",'.'-~,~~t ('fir _~!1.J;'i71.!'-'$ [';'1 st..'ut a l~H':.~U':t to f(J,~cc/cse vour morrgagtJd prctJerrv. If rlw mortgage is forecioserl YOU,' .'r()I''!,;'~~:;I;ld prC(.:f'ttv lll..i/f be sold by tlit' S/Ji1..iff tt) {,av orr thi? mertqag2 debt, If \~.{~ refer vour case to cur ;jttOl:lc','S, bll-~ vel! C'.I~f.: !i~\'~ default hc-:fore they !~~'JI:- l(tj;jl ~,"oc'8d!nJs <tl)ajll$t 'you, yo;.; will still have to pay the :-ea'ion.1bi:; :~tt()r;;c\",: '-c'~'s. ':iC:L)~i;,! .n;;urred, up to S50.CO. However ;~ iegal [roce€dings are st;.jrted against you, '(OU v\"il! hdV(~ to pili" t!l8 1~~;i$Udc:t)!:: ~t(0I'j'le'y"3 fees even ;' '!"'~:\" ~rp. ::1\:(';:. S50.00. t~r,y 3ttornev'';i f,:c::i wi!! br: added to W'h3tC\iSr YOli \;\,;~) L:.o',iI-,'C:~ ;"~1':' ;.;;';c ~r1\~11'de our . -'I~i'!J:;: I-~~.';'~:~. ,1/ :/~ LI ,7 J:! :hi..' c:'.~.:,f;i(I;t ::\.I"-,h!/I [he thJl:V cfa:1 period, liD/;" ~~,i/' ,'1(': i,lC: .,..' .':'.;:.'(/ 'I." -,:,.;.' .~. :..-;,......::J}"S fr:e'). \'\/1: mav o\~o St,'= you oersocJdv for the U1~paid pr:r:cioai ba!anep. and all other~u:(i:; flue un'~F:'" ;h,; r:l.:)rty3~e. if ".r'd :.l::~.I;' 1-1I~~ (U,':l~ ':'1: \';''::-;::<1:1 \",':~!,;!i Ull-! lhtdV -:!JY P'::/!Ot1 ~c,j ~':'1.0r:la~u;'~ "::"-iy:~;',_~i,:~S hd:(' Q';><jkl, V/JII srill /1J("1.~ r/:::. right to cure :'/Je l.:'tJtalilt J{~rJ pi't''1'.!/!t the SJ/e J! ..;.ny rJI.'1e up [0 ontJ /1cvr befo'.l: I'h,} She...:!."s hveciusure sa/e. {,'II :~:,:I/ (,'n \'e; .';}' /N!~i;flg th,..' tl!i,~i a'i.;(lu(;t of :,hr' unpaid rn'':li7thlv ca/f.'it:r.'iS:):.:;~' ,:n:,,. :o::..:~ C' : >;"', ,. .:'. <:"'5 :.11:;,7 due, .-::; ,~':,Ji,' .:15 ~/lt' :e'J::cn.'?b!:""} .:.ntc'!'!Y~'.i ,r::~:: ,~:'d C0~' rs :..'on'ltl~.',~'(f Ij~"T/1 :hl-! fon:{'ir!~lir..~ ':,:</'" .~, ,-. ' 1'.: , ,',' 't/..rw rr.qllire- I;;eil1S under the n1Q":gage, :t is e:;;:1moiec ~r.3t ~he .;al:i~st ua:~ ~ha1 slIch J S~-e!'":iT 'i S2:e CC!U'(~ ~;~ i1f::d \vould be ,1:Jl1rIY\ irnau~:v __1.?O gays ,~, :ln~:Ct; o~ t~~,t. ,ok:\.: ()f t!i2 :-;:wrjff ;;:Ic ,.'V,I\ ~8 ')r.r.l r;-, .', l"~ :... ::':'.''-':' T"'i~ ,J;e. jJf course, :';.-; .i:l;~.\(i:l11j1':lJ~t:d t,) cure 1hj~ d! fiil::-:' i~.'i:l ii"1(;('2S,~ :i~,; :CI'l]tt" )'eu ''\'.1ii. 'y'lJV r,~~r'r. :;~,~~:; . :~~ jl;/ ri~t'.~ ,;'.::ct1V ':\ll1at :~-ie r.:'lwired paYIi1t!lIt will be by cJllirlb! G'..i.it the fo:i0W1;1.g nUj~1ber: ~41.:77~.2.____. i1", ':; ;~,JY:l1i,!~it :~.;~.~~ th:;;1 CJS{~, o:;~sh:,?(': ch~c!.:. cprti1l(!o check or mone'l c:-dtJ; c;r,d '~-.3de r'aYi1b1t; :0 us :.~t thi! 3lJdr2S~ 5~.11~< abc':'.? YC',J Should rcaliz'J tl1a~ a SI>erilf's sal,;' 1,'\1';'1 pnd VO'Y o'Nr'er<;;hio of the n-;,)ltgiigod ,',i.' 1".,1.:1 31~;-1 \(It,. rt~hl t'.l lern.lin ;r-,!! If V011 c()rr:r.~\~ to ~iv-: in the prC'r'~"~y' ?fter ~~t~ Sheriff's $2iE-, ;~ i;::w~I;:t rQt I~~ tr: ~:J.rt'.d':; t'v;('~ ')01,;, y' ~.\ I :-; :~\ ~' r~0P.~HT'y' t~~\\~l ~lt.f~ :i :-'CililC t"":a: l'ii1.,IS T.' !,,;. I::, ~" l' . -0 c:a-,.\uJ ;'lC::'J~Y 7\: :~ ~,,:!':~t q~ Ir.,.' :::;'~"',:,.~'; .' I, ~.,~ ' .'~l~ ~~ :Ott.' ~-~iE ...~..J?i~G\'.,' \:".::'.i~:~ Fi~.CM ~'-~ n~."'-~T --- ::';:I._L OR '. ~\ :..: ':. ;:; c.- '- ~. \.. \.\:: Li_ Tt~.E ~",.~CqTGA;';;c. ":;t:21'.,>~ T,-' ,_::.~,;i.~'I'~: i.',s-r.n.;T:(,,\' -; ". \V l,)~~ -:--:Ji:3 ~~~r: Y~:)L: ~,'I,J...~. 1!.1'./: 1(~_~...t.~rE~, TH~:_ ...;:~>l~:qi.';' L~~. ~'!.':;i:"(" ._\" TI';:: \~~);':~T:~,j\,."~ T(; ,\ ~::,I!: ,~, ,.~~:~~,\l,~ lHt: \~O;; ~-GAGE Cf:t3~;', ;-~F;;\;li.Jr..D "HA-:- ':~LL. ;H[- '='U~~.,~-,;,\'..: \;\.; P::, 1'.. ..~"'; ~;-I..\ i::;\ F. ~ ~ :: f ~ So ~,:" ~ ~~-.'ST':; ~ '::;~: :).....:) r:'::' I":.':; "T C O;i ,.\"' -- Ii:: :~,\ \. ,\;, CI T ::, j \ : ~ .", ,; - ,~, t' . .. ;t;\,,':~::. ':":~.~,"~~,\:~::5 ANJ -- ~I ,- ~I r~ ~- '". I.;: C ...'! R ~ . ..., ." ;_~ , .. ;,Ii , '.' " -, _:'-, '. .' ,;\ , "-I' ,:~ ;: EXHIBIT r; ---.,.-.-- '. ~~~ '\ .......)h,\.'...~(.(\"-......-, 1'\..,,; \. -..:....:::.-... RE: Accounl No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS _~1~~35-3001!L..._ nu._ Dale: November 3, 1998 TO: Eleanor A. Tnrush FROM: F; nAnci al Trllst_Co..._..,..._ You may be eligible for IInanclal assistance that will prevent foreclosure on your mortgage If you comply with the provisions of the Homeowners' Emergency Mortgage Asslotance Act of 1983 (the "Act").You may be oll!Jlble for omergoncy tomporary ssslstance If your default has been caused by circumstances beyond your control, you hllv. o'l rellsonable prospect of resuming your mortgage payments, and If you meet other eligibility requirements established by tho Pennsylvania Housing Flnence Agency. Please read all 01 this Nollce. It contslns an explanallon 01 your rights. Under the Act, you are entitled to a lemporary stay of foreclosura on your mortgage for thirty (30) days from the date of Ihls Notice. During that time you must arrange and atland a 'face-to-face' meeting with a rapresenlatlvo of this lender, or with a designated consumar credll counseling agency. The purpose of this meeting Is to allempt to work oul a repaymant plan, or to olherwise sellle your delinquency. This meeting musI occur In the next thirty (30) days. If you allend a face-to-face meeting with this lender, or with a consumer credit counseling agency Idenllfled In this notice, no further proceeding In mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, addrel!s and t~lephone number of our represenlatlve Is: Jack V Hutch 1 son .,. ....--141"5.. Ritrferiiwy ---CarllSTe'.P'A 1/Ulj ---~..._--_._._-,----_. Telephone Number: 717-241-7759 The name(s), address(es), and phone numbers of (a) designated consumer credit counseling agency(les) Is (are): Y.WC~ .... __. _-30j_.u._Str.eeL- __CarJjsleJ>..A 17013 It is only necessary to schedule one face-to-face meeting. You should advise this lender Immedlataly of your Intentions. Your mortgage is in default bccausll you h:lVCl failed to pay promptly Installments of prlnclpel end Intere!l. ee required, for a period of alleastslxty (60) days. The total amount of the dellnquenoy Is $ ]" 461 .96 . Thai sum Includes the following: ____H___..T.hrefLlJlOnthl.\'.-p.ayments .Q.L$.L116., 76 for the months of Sept. Oct and Nov 1998 .. oH.__lllUULlate..J;haroe of $111" 68 Your mortgage Is also in default for Ihe following reasone: If you have (ried and ara unable to resolve this problem at or after your face.lo.face meeling, you have the right to apply lor financial assislance from Iha Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Applloallon with one of the designated consumer credit counseling agencies Ilsled abovo. An application for assistance may only be obtained from a con,umer credil counseling agency. Tha consumer credit counseling agency will asslsl you In lilling out your eppllcatlon and will submit your completed application to Ihe Pennsyivanla Housing Finance Agenoy. Your application musl be flied or pMtmerked, within thirty (30) days 01 your laca.to.lace meeting. It is extremely impor/anl that you lile your applica/ion promptly. 11 you do not do so. or il you do no/lollow the other tima periods sallor/h in this leiter, lorec/osure may proceed against YOllr home immediate/I'. Available funds for emergency mortgage assistance ale velY !Imlted. They will be disbursed by Ihe Agency undor the eligibility criteria established by the Act. II is extremoly Importent that your application be accurate ana completo In every respect. The PennsylvanIa Housing Financa Agency has sixty (60) days to make a decl.,on alter ,t receives your application, During that additional time. no foreclosure pro'"oedings will be pursued against you iI you have m~1 the time requirements Get forth above. You Will ba nctllled dirECtly by that Ago'ncy 01 its decision on your application. The Pennsylvania Housing Finance Agency IS located al2101 North Front Street. Post Office Box 15530. Horrrsburg. Pennsylvania 171'05 Telephone No. (717) 780.3800 or 1-800.342-2397 (lOll free r\umber). Persons Nith impaired heanng can call (717) 780.1869. In addition you may receive another notice from this lender under Act 6 01 1974. That nollce IS cali~d th. 'Notice of Irltenllon to Foreclosule" You must reaC both notices, since they oath explain rights that you now have under Pennsylvania Isw. However, if you choose 10 exercIse your rrgh ,i nOllce. you cannot be foreClosed upon while ycu are recelv,ng that es ,stance. EXHIBIT Vory lluly YOUIS. F / ,\ . /') \ ... t \"A..,.......,.-..-'tJ M rnr~~~c~n-o~rxcut Off\ "c,-,- .ne7. , The Pennsylvania Hcus'''O F\r.a"ce ';-'\t. . . .t>- I. Hr.ber ;;enc.... can be luc"'ed TOLi FREE. - r......... r..... HltJ..e. J4."II'. "".'~ ...,_....".....~,..,..,".....'.,. RE: Accounl No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FurURE MORTGAGE PAYMENTS 313435-3001li... _ U Dala: Novpmhl'!r 3, 1 QQR TO: _ Paul.D, _lhr.u.sh--.J.r...__.. FROM: EinanciaLIrust Co. You may be eligible fol' financial assistance that will prevent foreclosure on your mortgags If you comply with the provisions of the Homeowners' Emergency Morlgage Aesletance Act of 1983 (Ihe "Act"). You may be eligible for emergency temporery assistance If your default has been caused by circumstances beyond your conlrol, you have e reasonable prospect of resuming your mortgage payments, and If you moet other eligibility requlraments astabllshed by the Pennsylvania Housing Finance Agency. Pleaae read all of this Notice. It contelna an explanation of your rights. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the dale of this Notice. During that time you must arrange and allend a 'face.to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to atlempt to work out a repayment plan, or to otherwise settle your delinquency. This meeling must occur In the next thirty (30) days. If you aUend a lace-to-face meeting with this lender, or wilh a consumer credit cOLlnsellng agency identified In Ihls nollce, no further proceeding In mortgage foreclosure may take place lor thirty (30) days eller Ihe date of Ihls meellng. The nallle, address a~d lelephone number of our representative Is: Jack V Hutcnison ---- . "T41~RT tner -Hw'--- ,-,u'--carTElepA 1 '013 T~I~~h;;;;-Number: 717 -241 -7759 The na'Y'~t~, address(es), end phone numbers of (a) designaled consumer credll counseling agency(les) Is (are): "-'-,mr"G-Street- Carl isle PA 17013 -----y--- II is only necessary to schedule one lace.lo.face meeting. You should advise this lender Immediately of your Intentions. Your morlgage IS In default oecause you have failed to pay promptlyinstallmenls of principal and inlerest, as required, for a period of at least sixty (60) days. The lotal amount of the delinquency Is $ 3,461 .96 . ThaI sum Includes the following: __..._T, hre~~_nthly.,J~a$yments .Qf.JJ ,116.76 for the months of Sept, Oct & Nov 1998 pl us a __.....~j:~. cllarge 01 111.68 u..___ Your morlgage Is also In default for the following reasons: It you have tried and are unable to resolve this problem at or after your face-to.faca meellng, you have tha right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In ordor to do Ihls, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one 01 the designated consumer cradlt counseling agencies listed above. An epplicallon for assistance may only be obtained Irom a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to tho Pennsylvania Housing Financa Agency. Your application must be filed or postmarked, with I" thirty (30) days of your face-to.face meellng. " is extremely important/her you file your application promptly. /I you do not do so. or if you do no/ fol/ow the other rime periods ser forth in this letter. foreclosure mey proceed against your home Immediarely. Availablo funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility c.I\Mia established by the Ac\. It is extremel\' import.nt thet your application bo accmate and complete In every respect. The Pennsylvania HOUSing Finance Agency has sixty (60) oays to make a decisicn alter it .eceives your application. During that additional time, no foreclosure proceeoings \VIII be purEUed against you ,f you have mel the time requirements set forth above. You will be notified direclly by Ihal Agency 01,15 decision on your application. n"le F'eilrtt./h':unia HOUbirlY Fir_one.;; Agency is IOCi:lliiQ o.t 2~O~ NOitr. Fivnl SH€:'i:t, PuStO:~iCo BOA i5530. Hafli~uj.Jiy, reflrliiy;vo.nJci 17105. Telephone No. (717) 760.3800 ot 1.800.342-2397 (loll free number). Persons with impaired hearing can call (717) 760-1669. In "ddlt,on you may recoive another nOI,ce from this lender under Act 6 of 1974. That notice is called the "Notice of Intention 10 Foreclosure". You mu~t read both notices. since they both explain rights that you now have under Per,nsylvanle law. However ..1 you choose to exercise your tights deSCribed in Ihis nctlce, you cannot be foreclosed upon while you ero recelv,ng that enisla e. EXHIBIT J~ Very truly yours. /). ~ ') d~&I~ ,,"',,;;;., ;srlj 1/ .y, "" .2\il~ \.'orkout Off! c It'.e Per.n,ylvarIl3 Hcusmg Ir.ance fl[',ur...". 1i~!I .... ...-.. ,~ 5. Paul D. Thrush, Jr" and Eleanor A. Thrush, are Ihe sole record owners in fee simple of said premises subjecI to said mortgage, by virtue of a Deed dated September 25, 1978, and recorded in the Cumberland County Recorder's Office in Deed Book "B", Volume 28, Page 413, more specifically set forth in Exhibit "C", altached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of September 1998, October 1998, November 1998 and December 1998. 7. The Plaintiff has given to the Defendants wrillen notice of intention to foreclose on said mortgage as required by law under Act 6, dated November 3, 1998, a copy ofwl1ich is marked Exhibits "D" and "E", and all ached hereto and made a part hereof by reference. 8. The Plaintiff has given wrillen notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated November 3, 1998, a copy of which is marked Exhibits "F" and "G", and allached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of One Hundred Thirty-three Thollsand Two Hundred Forty-nine and 48/100 ($133,249.48) Dollars, wilh interesl thereon at the rate of nine percent (9 %) per annum computed from August 7,1998, along with allorneys fees now due and payable, 10. The Defendants arc liable to the Plaintiff for the following on said mortgage loan: A. Principal amount due 10 dale $122,836.49 n. (nterest due 10 date 3,900.26 167.52 6.345.2 ( C. Late Charges I). Attorney's Collection fce TOTAL: $133.249.48 - ,I-;l..k _ 7001 ') 3\31-\).1 PROMISSORY NOTE . .:,>:":<... Borrower: Paul D. Thrush, Jr. ElaGn:Jr A. Thrueh dbll: Thrush EcavaUng & Paving 972 West Old York Road CarlI8Ie, PA 17013 Lender: Ananclal Truat Compony Maln Olllce One Wesl HIQh Street ClIr1lsle, PA 171113 Principal Amount: $123,000.00 Date of Note: July 2, 1998 PROMISE TO PAY. Paul D. Thrush, Jr. and Eleanor A. 111rush ("Borrower") promise to pay 10 Financial Trust Company ("lender"), CIt order, In lawful money oltha United Slates 01 Am~, the ~nclpal emounl alOne Hundred Twenly Three Thousand & 001100 DollarS ($123,000.001, together with Interen1 on lhe unpaid p~nclpal ba4ance from July 2, 1998, unlll paid In lull. PAYMENT. SUbject to any paymenl changes re""llIng from changes In the tndex, Borrower will pay this loan In IlCCOrdance with the following peyrnenl echedule: 12 CO<lS/Icutlve monthly prlnctpallllld Interest payments 01 $1,116.78 each, beginning Augusl 2, lV96, wIlh Interest ClIk:Ulated on the unpaid ~nclpal balancM at "" Interest rate 019.000'110 per ennum: 2:J:7 consecullve monthly ~nctpel end Intereol payments In IhelnlUoI amounl 01 $1,0711.10 eacl1, beginning Augusl2, 1999, wllh Interest calcutated on the unpaid principal balonces al an Interest rele 01 3.5OC! percentage points over the Index ~bad beloW; and 1 ~nclpal and Inlerest paymenlln the InlDaI amount 01 $t,08O.29 on July 2, 2018, with Interest calculated on li1e unpald prlnclpal balanCeS at "" Interest rate 013.500 pI!ICOl1lage poInls over the IndeX de9Cltbed boIoW. This esllmaled ftnal payment Is based on the assumption Ihal all payments will be made exactly as oehf:iluled and lIIaltha Index does not chmge; the lll:tUlll ftnlll payment will be lor 11I1 p~nclpal and occrued Inlerest not yet paid, together willI any olher unpaid amounts under this Note. The annuallnterast rate fo< Ihls Note Is compuled on a 3651360 basis: thet Is, by applying Ihe ratio oltha annual Inleresl rala over a year of 360 days, mulUplled by the oulstanding principal balance, multipllnd by the actual number of days the principal balance Is outstanding. Borrower will pay Lender at Lender's address shown .bove or at such olher plac8 as Lender may designate In wrillng. Unless olherwise agreed or required by applicablo law, payments win be applied first 10 accrued unpaid interast, then to principal, and any remaining amount to any unpald coflectlon costs and lata charges. VARtABLE INTEREST RATE. The interest rata on this Note Is subject 10 change from time 10 time based on cMnges in an indopendantlndex which Is the Weekly AVllI'tlge YIeld on UnltGd States Treasury Securities, Adjusted to a Constant Maturity of One (1) Year (the 'ndex"). The Index Is not necessarily the lowest rate charged by Lender on Its loans. If the Index becomes unavailable during the term 01 this loan, Lender may designata a substitute IndeX an... nolice 10 BOlTOWer. Lender win tell Booower the cununl Index rat. upon Borrower's request. Booower undorstands thet Lender may make loans based on other rales as well. The Interest rete cheng. win nol occur more alien than each YEAR. The Index currenUy Is 6.\100'llo per II'Inum. The Intereat rate or rates to be applied to the unpaid prlnclpe! balance oIlI1ls Nole will be the rate or rates set Ior1h above In the "peyrnent" sec:Uon. NOTICE: Under no drcumslances win the Interest rete on this Note be more then tho maximum rate anowed by applleeble law. Wha_ Inc:reases occur In the Interesl rale, Lender, st Its option. may do one or more oIlhe fOUowing: (a) Increase Borrower's payments to ensura Borrower's loan win pay 011 by its original final maturtty dal.. (b) Increase Borrower's payments to cover accruing Interest, (c) Ircreese the number of Borrower's payments, and (d) continue Borrower's payments al the sama a,""untand Increase Borrower's final peyment. PIlEPAYMENT. Borrow... may pay wlthoul panalty all or a portion 01 the amount owed eerller then illS due. Wy payments win not, unless agreed to by Lender In wnUng, relieve Borrower of Borrower's obligation to continua to make payments under the payment schadule. Ralher, they wiV reduce the princlp;il c;;l:1r.co due and may resull In Bon-ower makl"l! fewer payments. LATE CHARGE. Ua payment is 15 days or mer. late, Borrower will be cherged 5.000'110 01 lhe regula~ lOcheduled payment. DEFAU-T. Booower win ba In delault II any 01 the following heppens: (a) Borrower tails 10 make any payment when due. (b) BOITower broaks any promise Borrower hIlS made 10 Lender, 0< Borrow...laI1s to comply with or 10 perfo<m when due any other term, obligation, covenant. 0< condition cantai""" In Ihls Naill 0< ""y agroemant related 10 this Note, or in any other agreement or loan Borrower has wilh Lender. (c) Borrower delaulls undor any loan. extension of credit, security agreement, purchB.!.o Of sales agroemont, Of any other agreement. In favor of any other creditor Of porson that may malerial1y altect any 01 Borrower's property or Borrower's ability 10 repay Ihls Nole 0< p..-lo<m Booower's obligations under this Nola 0< any 01 !he Related Dccumenls. (d) My repres<tntation 0< stalement n18de '" furnished to Lender by Borrower or on Borrower's behellls false 0< misleading in any matorlei mspoct alther now 0< al the time mada 0< lurnlshed. (al Booower dies 0< becomes insoMlnt. . mcelver Is appointed far any ~ of BorrOWer'i property. Borrower makes an assignment 10< the benofit of c:redItors, '" any proceeding Is commenced oIfher by Borrower 0< agslns! Borrowar under any bankruptcy 0< InsoIl'1lncy laws. (Q My credlto< tries to takG any 01 Borrower's property o.n 01' In which l.onder has a lion 0< securtty interesl This Includes e garnishment ot any ot Borrower's accounts with lender. (0) Arty at the events dascfibed In this defaull section occurs With respect to any guarantor 01 IhIt No18. (h) A malarial adverse change occurs In BOoTOWer'S financial condition, or lender believeS the prospect 01 paymanl 0< parIormance of !he Indabledness Is Impaired. (I) Lender In good faith dooms itself insacura. LEHDER'S R1G1fTS. Upon dalaun, Lender may, aner giving such nollceS as reqw.ed by appllcabl. law, decianlthe entire unpald prinopal balance on IhIs No\lI and .. scauad unpaid In\er1!sllmme<flBteIy due. end lhen Booower will pay thel amount. lendar may hire 0< pay somoa... ..... to help co\Iecllhill No18 It Borrower does not pay. Borrower VA will pay Lender that amount. This includes, sub)ecl to any Umits under applicable law, Lander's attorneys' toes and Lender's IogaI expenses whether or not theru i> a Iewsulllncluding allo<llOyS' lees and IogaI oxpenses lor benkruplcy p'C>Oll<>dings Oncluding elIorts 10 modlfy 0< vacale any oulomalic stay 0< injunction). appeal!., and any enbc1patod PO$l-jucIQmenI collecllon """1Icea. It not prohibited by applic>blo law, Borrower also wil pay any cou~ coots, In oddltion to .1 other sums prcMded by law. If Judgm<tnt is ontered In connection with this Note, inlvest wll continua 10 accrue on IhlS Nolo attar ludgment at the Interest rola applicable to Ihil Not. at lhe time judgment Ie enter8<l. ThIs Nola has been ddlvered to L.enclCf and sc:cepled by Lender In the Commonwealtl1 01 Penn~IYanla. II there 15 a IIIWsuIl, llOmlWer lIIJI"O<< upon U<\der'a req,,", to aubml1lo the "'~s:l1cIlon 01 tlle court. 01 Cumbe<lal1d COUnIy, the Com/IIClnWtllfth 01 PennsytVlnla. ma Hole I!hlIII be governed by and construed In monwelllth 01 PenneytYlnia. RIGHT OF SETOfF. Borrower grants 10 Lender a contr ffX BIT y assigns, conveys, dellVln. pledges, and trans*, 10 !.Miler aI BonllWft'S right, title and Interest In and to. Borro I hlll' ChOCkIng. GaVlng!.. '" $OlllO other account), Inctud'.ng WIthout .......lion al accounts ht-.ld jointly with sorneona 10 n In the Iuture, OXCludlng howe\Ior allRA and Keogh oa:ounts. and aa lr\Isl accounts tor which tne gro.nt of a lied by law. Borrower aut_ Lender, to lhrI ax1ent parrnllled by appllc&ble law, 10 charge 0< setoft al su .nd an SUCh accounts, and, al Lender's option, 10 .drnonr.tra_y ~..... aU luch accounts 10 aDew LeMer to nghl1; prcMded on lhlt par~rllPh. nn Note ts $CCureo bYlln ecoiUon 10 ar:J Qi?'CIr "ii.~Gi, i ""\Il'w-'V'" ~~ Jo:!;' 2. ~!?9!, to L~~ "" r~1 ~ loCa>>d in . ...- ;;-. '?- 1 j '! ~~~ -- '31,j :" ~' i,:: ',.." . ... ,', ... ~ .. ~ . \'~::~'.:': :.'1:' (:,:ur~i!. t':. WHEN RECORDED MAIL TO; Ananclal Trust Company c/o Keyalone Loon OporaUons ATTN: Collaleral Dept. 130 Cou~ Street, Po Box 3187 Wllllamsport, PA 17701 '88 JUL 10 Prl 1 29 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS MORTGAGE IS DATED JULY 2,1998, between Paul D. Thrush, Jr. and Eleanor A, Thrush, whose address Is 972 w.(!at Old York Road, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address Is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable conslderalfon, Grllllto< grants, bargains, sells, conveys, IISSIgns, translers, releases, conftrrns and mortgages 10 Lender all 01 Granto<'. right, tiUe, and Intoreslln and 10 the following described real property, together wIlh all existing or subsoquenlly erected 0< elflxed buildings, improvements and fixtures; all streets, lanes, alleys, passages, and ways; all easemtlnts, rights 01 way, ell Ilb_, privileges, tenemanls, hereditaments, and app~enances thareunlo belonging or anywise made appu~nant herealter, and the """",,"ons and remalndets with respect thereto; all water, water rights, watarcourses and ditch rights (Including stock In utilllles wllh ditch 0< lrrIgallon rights); and all olhar rights, roysllles, and proflts ralallng 10 tha real property, Including withoutllmltallon all minerals, 011, gas, geothennal and similar malla.., located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): SEE EXHIBIT "A" ATTACHED HERETO AND INCORPORATED HEREIN BY REFERENCE The Real Property or Its address Is commonly known as 972. West Old Yo/i( Road,Corllllle, PA 17013, Granto< pnr.enlty assigns to Lender sll of Grantor's righL tille, and Interest in and to all leases of the Property and all Ranis from the PropMy. In addillon, Grento< grants to Lender a Uniform Commercial Code securlly Interest In the f'orsonal Property and Rants. DEFINITIONS. The lollowing wo<ds sh&1I heve the following meenlngs WhM used In this Moogage. Terms not otherwlsa daflnad In thls Moogage shall he.. the meanings altlibuled to such lorms In the Unllorm ComrT1lllClal Code. All references to dollar amounts shall meall amounts In lawful money of lh8 United Slales of Amer1oa. Grantor. The wo<d "GrantO(" means Paul D. Thru..~, Jr.!Il1d Eleonor A. Thrush. The Grantor Is the moogagar undar this Mor1gage. Guarantor. The wo<d "GuarantO(" means and Includes wllhout limitation each and an of the guarantOlS, sur~tles, and accommodation par1les in connection with tha tndabtadness. Improvemenla. The word 1mprovemonts" moans and In~udes wIlhout limitation all existing and future Improvements, bulldlngs, structures, mobile homes alflxad on the Resl Property, lacilllles, additions, replacements and other construction on the Resl Property. Indebtedness. The word 1ndablednoss" means all princpaJ and Interest payabla undar the Note and any amounts expanded or advanced by Lender 10 diSchalOe obligations of Grantor 0< expenses Incurred by Lendor 10 enlorce obligations 01 Granto< un<ler this Mor1gage, Iogether with Interest on such amounts as provldad In this Mortgage. In eddi1ion 10 the Note, the Wo<d 1ndabtedness" Includes all obligations, dabts and liabilities, plus in:erestthereon, of Granto< to Lender, or anyone 0< mom 01 them, as walt as nil claims by Lender against Grantor, or any one or mo<a of lham, whether now existing or herea<<er arising, wholher related or unrelated 10 Iha purpose of lha Nole, whether volunlary 0< olharwlso, whether due 0< nol due, absolute 0< contingant, liquidated or unliquidated and WllOther Granto< may be liable IndIVIdually or jointly with other$, whether obligaled as guarantor or otherwise, and whether recovery upon such Indabtadness may be 0< heraanor may bec<l,~~}l~ITe't.by any sts.tute of IImltallons, and whether such Indebtedness may be or hereonar may become othelwlse unenlorceable. (InlUoI Here '.:+{:.::c',iZ'J\{:),:, ) Lender. Tho wo<d "Lende!" means Rnanclal Trust Company, lis successors end assigns. The Lender is lha moogegea under this Mor1gage. Mo<1gage. Tho word "Moogaga" means this Mor1gage belw""n Grantor and Lender, and Includes without timifation all assignments and sacurily In",",,1 p<lwislons relating 10 lha Potsonal Proporty and Ronts. Note. The word "Note" mea.. the promissory nola 0< credll agreemenl dated July 2, 1998, In the original principal amount of $123,000.00 from Grantor to Lender, together with all r.n~..als of. axlenslons of, modifications of, refinancings of, consolIdallons of, Ind subsIIMlons 10< lha promissory nole 0< agreement. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE. I'ersonaI Property. The wo<ds "Personal Property" mean aa equipment, lIxtures. and other a.1icles 01 personal property now or her8afler owned by Grantor, and now or heroarter attached 0< affixed to the Re.ll Property; togel11er with all accessions. pa~, and addlllons 10. .. replacomants 01, and I' sullstitutions lor, any 01 such property; and togethor with all proceeds ~ncIudlng without IImitallon aU Insurance proc:oeds and rafunds of premiums) from any sale or other dispOSItion ollha PropC>1y. Property. Tho word "Property" means conocll"E!ly the Real Property and the Personal Property. Re.oI Property. Tho wo<ds "Resl Property" meen Ihe proporly, Interests and rights describlld Rel&led llocumenls. The wo<ds "ReIatad Documents' moon 2nd meludo without tirnlta agreements, envIronmenlal agreements. guaranhes, security agroomanls. moogages. dllods documents, whelhar now or heraanar eJCJSflng, axacutad In connection with ttl8 Indabtodl1Oe$. Rents. The word "Rants" means aH present end futulll rents, ",venues, income, Issues, Property. II agreemen1:l, loan agraemonts and derlved fro<n !he 07.J}2-1998 MORTGAGE (Continued) Page 2 THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURiTY INTEREST IN THE RENTS AND PERSONAL I'ROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF AI.I. OBLIGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOlI.OWING TERMS: PAYMENT AND PERFORMANCE. Except es otherwise provided in Ihls Mo~gage, Grantor shall pay 10 Lender allamounls secured by Ihis Mortgage as Ihey become due, and shall sl1iclly perlorm all 01 Granlo(s obUgallons under Ihis Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees lhet Grenlor's possassion and usa of Iha Prop~ shall ba governed by Ihe lollowlng provisions: possesslon and use. Unlllln dalault. Grento< may ramaln In possession and conlrol of and oparate and managa lhe Pr~ and cotlecl tha Ranhlfrom tha Property. Duty 10 MllIntaln. Granto< shall maintain the Prop~ In lanantable condition and promptly pMorm all ropal... replacarnents. and malnlenanca necessary to plllSOl\l9 its value. Haurdous Substances. 1he lanns "hazardous wast.,' "hazardous substance,' "disposal,' "release,' and 'hrealened release," as tlSed In this Moogaga, shall have the sama maanlngs as sel fooh In Iha Comprehensive EnVlfonmental Response. Compansatlon. and UabUlty Act 011980, as amended, 42 U.S.C. SectIon 9601. et seq. ("CERCLAi, !he Supoound Amendments and ReaulhortmUon Act 01 1900, Pub. L. No. 99--199 rSARA"), the Hazardous MalariaJs Transpoo.tion Act, 49 U.S.C. Section 1801, at seq., !he Resource Conservation and Recovery Act, 42 U.S.C. SeclIon 6901. el seq., or other applicable stalo 0< Foderallaws, rulas. or regulations adoptad pursuant 10 any of the foregoing. The tarms "he2nrdous waste" and "haZardous substance" shaU also Includa, without tlmitation. petioleum and petroleum by-products or any fraction thereof and asllostos. Grantor replllSenls and watnlnts 10 Londer lhet: (a) During Iha period of Granlo(s ownership of Iha Property, lhere has been no use, generation. manulacture, s10<8ge, treatmanl. disposal, ml.... or Ihnaetanad relaase of any hazardous wasle or substance by any person on, under. about 0< from the Propar\y; (b) Gronto< has no knowtedga of, or reason 10 balleve Ihat there has bean, axcept as previously disclosed to and acknowledged by Lendllr In writing. (I) any usa, ganoration, manufacture, sto<ege. treatment, disposal. reIeasa, 0< threatened release 01 any hazardous wasta or substa""" on, under, about 0< 110m Ihe Properly by any prio< OWI1OlS or occupants of the Property or (II) any actual 0< threatened litigation or claims of any kind by any person mlallng 10 such maltlllS; and (c) Excepl as previously disclosed 10 and acknowledged by Lender In wrillng, (I) neither Glanto< no< any tananl, contiacto<, agent or olher author1md user 01 lho Properly shell use, generete, manufacture. store, treat, dispose 01, or reIaase any hazardous waste or subslanca on. undar, about or tiom \hi; Properly and Oil any SUCh actlvlly shall ba conducted In compliance with an applicable federal, slate, and local laws. regulations and ordinances. Including wI1hout limitation those laws, regulations. and o<dlnances described aboVl'l. Granlor aulhorizes Lender and its agants 10 enter upon the Property to make such Inspections and tests, al Grantor's expense, as Lender may deem appropriate to detarml!1O compliance ollho PropOOy wllh this section 01 the Moogege. Any Inspoc:tIons 0< tests mad. by Lender shall be tor Lendo<'s purposes only end s11al1 nol be construed to creala any rasponslblllly or liability on the pM 01 Lender to Grantor 0< 10 any other porson. Tha represenlallon9 and warrantles conlained haroln am based on GranlOl's dua diligence In Investigating the PropOOy 10< hazardous waste and hazardous subslances. Grantor heOlby (a) releaseS and waives any luture claims against Lender fo< Indemnlly or conlribullon In the event Granlo< becomes liable lor cleanup or other costs undar any such laws, and (b) agrees 10 Indemnify and hold harmJass Lender against any and aU claims. losses, ItabUIII.... demages, penallles, aod expenses whlch Lender may dlroctty 0< Indirectly sustain or suffer resulllng from a broach of this section ollila Moogage 0< as a consequence of any usa. genBnltion, manufactura. storage, dispossl. release 0< throalaned re1eas8 01 a hazardous waste or subslance on the propertlas. The provisions of this secIIon 01 lhe Mortgaga, Including !he obligation to indemnlly, sheU surviva tha paymenl of the Indebtad..... and Ihe sallsfacllQn and I1lCOnveyance of the lien of this M~ge and shell not ba affected by Lender's acqulslllon of any Inlerest In !he Property, whalher by foreclosure 0< otherwise. Nuisance, Waste. Granto< shaD not cause. conduct 0< parmllany nuisance no< commit. permit, 0< suner any stripping 01 or wasle on or to tho Properly 0< any portion of !he Properly. Wllhout Umlllng tha ganerallly 01 the foregoing. Granto< will not remove, 0< granl to any other parly the right to remova. any timber, minerals (Including 011 and gas), soil. grevel or rock products wI1haut tho prio< wollan consent 01 Lender. RelIlOval 01 Improvements. Grantor shall not demolish 0< ramove any Improvements from !he Real Properly wI1hout the p~or wr1ttlln COllSCnt of Lender. "'" a condition to !he removal 01 any Improvements, Lender mey raqulra Granto< to maka arrangemants salisfactory to Lender 10 IllPIace such Improvemants with Improvements of at least equal value. Lender's Right 10 Enler. Lender and Its agents and rep....ntatives may onler upon the R..I PropOOy at all reasonable limes 10 anend to Lender'slntemsts and to inspacl tho I'roperIy tor purposes 01 Granlor's cc>mpliallC8 with the larms and conditions 01 this MMgage. Compliance with Governmental Requirements. Granlo< shell promptly comply WIth aM laWS, ordlrlSncas, and regulations. now or hereallar In alfecl, 01 all gavemmontal authorttle5 appllcabla 10 tha usa 0< occupanc,/ 01 the Proper1y. Including wflhout Umllation, !he Arnerioa.ns Wilh DIsabUltles Act. Grantor may conlest In good faith any slJCh law. o<dlnance, 0< regulation and wI1hhold compliance during eny proceed!ng. Including appropril!.te appaals, so long as Granlo< has notiflOd Lender In wrillng poo< to doong so and so long as. In Lencll!r's sole opinion, Lende<'a Inler..hI In !he Property are nol jeopardized. Lender may require Granto< to posl adequate security 0< a surely bond, reasonably satislllclory 10 Lander. 10 prolect Lender's InlolesL Duty 10 Protect. Granto< agn>llS neither 10 abandon no< leava unatiended tho Property. Granlo< <I1aIl do aU othar acts. III addition 10 thoso eels set fooh above In this saction, whw:h from tho charactar and""" 01 lhe Pr-opOOy are r8850nably necessary to protocf and preserva lhe Property. ~ OH SALE _ CONSENT BY lENDER. Lender may, at Its option. declare immodlalaly due and payable all sums secured by this Moogage upon the sale 0< IrIInsler. without tho Lendar's prior written consent, 0/ all 0< any part 01 the Real Proper1y. 00 any Intnslln the Real Property. A "$ale 0< transfer'" ",,,,,ns the conveyance 01 Real Properly or any righl. tItla or Interest therein; whether legal. benellclal or oq,nlable; whether voluntary or involuntary; whethtlr by outright ..Ie. deed. InstaUmenl sale conlract, land (:()ntrecl, contract 10< doed, leasehold Interest with a torm grIlIter than lhret (3) years. teose--option contract, 0< by sata, BSlll\lnmon~ 0< transfor 01 any benefla61 inlerest in 0110 any land trust holding IIt1e 10 the Real Properly. 0< by any other method of COI1W)'lInoo 01 RollI Proper1y Interesl If any Grantor Is a corporation. partnership Cf Umlted IIabIlIIy company. nnsler also includes any change In ownership of m0(9 than twonty-{ive purconl (25'l1o) oIlhe vollllg slock. partl10fShip Interests or Iimlled liability company In\ere$ls, as the case may ba, of Groolo<. However. this opllOn shea nol be exercISed by Lenoer it such Ql101Clsa Is prohibnee by fodor8Ilaw or by Penns',1vanla law. TAXES AHa UEHS. Tho Iollowlng provisions rolaling to tho taxes and lions on tho Propoc1y are e part of this Mortgage. peyment. Grantor..ml pay whon due (and in II evenls pr10r to doIinqwncy) &l t&xl!S. p8yroll taxes. s.po.:iaI W:elI. assessments. waler charges and ........ serW:e c:ha.'i)OS IovIf>d l\l8insl or on account 01 tho Prope<ty, and sh&ll pay when due al ctairns fo< wort< done on 0< for oervIce$ rendered or malerial turMhed 10 the Property. Granlor she. ma!ntain lhe PmpMy tree of aa liens !\IVlng prionfy over or equal to ~ In_ 01 Landor UM<< this lo.IortgaQll, llXCOPl for !he loan orlWlS and messmenl:l nor due, and =ept IS ~'.$Il provided In tho following parlgr&t>h. R1;h1 To Contest. Grsmor may withhold peyment 01 any tv.. assessment. or claim In connec\oon with a good farth dispute over the obligation to pay. so long as l..ende<'sIntareslIn the Proper1y is not jeopa'dlzsd. lIa loen an>eI or Is flied as s resl1l 01 nonpayment, Granto< shal wI1hIn fiII..o (15) cllVS- the..., artsos or.". lien Is filod. ..'ithin fi"""n (t5) days.!Ier Granto< has nota of tha r.;ng, SIICIn the discharge of the lien. 0< I _ted by lMlclor. deposit with Lender cellh 0< a sufflCionI CO(pocalo .uno!)' bond 0< other ....,urItI' ullslactory 10 Landor in In amount sUlfic:ienl b :::--~':"r ~ == ;::!~ e!'!Y =!: ~"!~ ~~' ~ (W (lthar d\a~ thai could accrue u . resutl of . fcweclosn or We under thllien. In . .-.,... ......- 07-02-1998 MORTGAGE (Contlnued) Page 3 ~ any conlest, Granto< shall dalend 1158lf and Lendar and shall saHsly any advarse jUdgment belora enlorcemenl against the Prope~. Grenlo< shsll name Lender as M addlUonal obligee under any suraly bond lurnlshed In tha contest proceedings. Evidence 01 Payment. Grantor shall upon demand lurnish to Lender satisfaclory evidenca 01 payment of the taxes or assossmenls and shall authorize the appropriate governmantal official to deliver to Landor at any Hme a wriHen statement ot the taxes and assossmants agl!Jnst tho PropOOy. Notice 01 Construction. Granlo< shall noHIy Lendar at least IIneen (15) deys before any work Is commenced, any servtces are furnished, 0< any materials are supplied to the Prope~, If any mechanic's lien, materialman's lion. or other lien could be aS58~ed on eccount 01 the work. services, 0< materials and the cost excoods $5,000.00. Grenlor will upon request a' Lender furnish to Lander edvanca assurance!l saUsfactory to Lender thet Granier can and will pay tho cost of such Improvements. PROPERTY DAMAGE INSURANCE. The following provisions relaUng to Insuring the PropOOy am a pa~ of this Mo~gage. Malnlen8llce 01 Insurance. Grantor shall procure and maintain pollcllls 01 finllnsuranco with standard axtendad cOl/lll'ega endorsemenls on a raplacoment basis '0< the lull Insurable value cllVllf1ng all Improvements on the Real Prope~ In an amount sufflclent to avoid appllcallon 01 any coinsurance clausa, and with a standard mo~gagee clausa In tavo< of Lender. Granto< shell also procum and metnlaln comprehensive ganeral llablllly Insurance In such covemge amounts as Lender may request with Lander balng named as eddlllonallnsureds In such lIabillly Insurance policies. AddlUonally, Grentor shall maintain such olher Insurance, Including but notllmiled to hazard, business InlemJpUon and boiler Insurance as Lender may require. Policies shell be wrillen by such Insuranco companies and In such form as may be reasonably acceptable to Lender. Grantor shall deliver to Lender certificates of coverage from each Insurer containing a sUpulation thai coverage will not be cencelled 0< almlnlshed wlthoul a minimum of ten (10) days' prior wrillen nollce to Lender and not containing any disclaimer 01 the Insurer's Uabillly 10< failure to give such nollce. Each Insurance policy also shall Include an endorsemant providing thet coverage In lavor of Lender wID nol be Impaired In any way by any act, omlsr)on 0< default of Granto< or any other person. Should Iho Real Properly al any lime b6c0me 1000ted In an area designated by the Dlr1lCIor of tho Federal Emargency Management Agency as a spactat nood hll28rd area, Grantor agrees to oblaln and maintain Federal Rood Insurnnce for tha full unpaid principal balanca of the loan, up to the maximum policy limits sol undflf the Nallonal Rood Insurance Program. or as otherwise raqulred by Lender, and 10 malnlaln such Insurance for lhe term of the loan. ApplIcation 01 Proceeds. Grantor shell promplly noUIy Lender 01 any loss or damage to the PropOOy If the estimated cost of mpa~ 0< replacement excoods $500.00. Lander may make proof 01 loss If Grantor fai\$ to do so within IIfteen (15) deys of the casuaJly. Whether 0< not LendBf's security Is Impaired, Lander may, at Its election, apply the proceeds to the reduction 0' the Indebtedness, paymenl of any lien eNacting the Properly, 0< lho restorallon and repair 01 Ihe Property. If Lender elecls to apply the proceeds to reslorallon and repair, Granlo< shall repair 0< replace the demaged or destroyed Improvomants In a menner sallsfacto<y to Lender. Lender shall. upon satisfactory proof 01 such expenditure, payor reimburse Grantor tram the procoods for the reasonable cost of repair 0< restoraHon If Grantor Is nolln default under Ihis MOllgaga. Any proceeds which hove not boon disbursed within 180 days after Iheir receipt and which Lender has not committed 10 the repair 0< resto<ation 01 the PropOOy shall be used 6rst to pay any amounl owing to Londer under Ihls M~gage, then to pay accrued Interesl, and Ihe remainder, If any, shaD be applied 10 the principal balance 01 the Indebtedness. If Lender holds any proceeds allar payment in full of tha Indabtedness, such proeoods shsll be paid 10 Grantor. Unoxptred Insul'llllce al S81e. Any unexpirod Insurance shall Inure to the benelll 01, and pass 10, lhe purcheser 01 tha Properly covared by this Mortgage at any trustoo's sale or other sale held under the provisions of this M~gege, 0< at any lo<ecIosure sale 01 such Properly. Granlor's Report on Insurance. Upon requasl of Lender, howaver not mora than once a year, Grantor shell furnish 10 Lender a rep~ on each Oldsllng policy ollnsumnce showing: (a) the nama 01 the Insurer; (b) the risks Insured; (c) Ihll amounl of the policy; (d) Iha properly Insured, the then current replacement value 01 such property, and the manner of det...mlnlng that value; and (e) the oxplrallon date 01 the policy. Granto< shall, upon request of Lender, have an Independenlappralser saUsfactory to Lender delermlna the cash value replacement cost 01 the PropOOy. EXPENDITURES BY LENDER. If Granto< fans to comply with any provision 01 this Motigage, or If any action or proceeding is commenced thaI would matarlally affect Lender's Interests In the PropOOy, Lender on Granto~s b.hell may, but shaU nol ba required 10. take any action that Lender deems appropriale. Any amount that Lender expends In so doing will bear Intaresl at the rale provided 10< In tha Note from the dets Incurred 0< paid by Lender to Ihe dete of repayment by Grantor. A1tsuch expenses, at Lender's option, win (a) be payable on demand, (b) be added 10 lhe balance of the Note and be apportioned among and ba payabla with eny Inslallmant payments to become due during either (I) the !arm of any appticable In.urance po:lcy or [oil lhe remaining term 01 the Note. or Ie) be treared as a balloon paymanl which will be due and peyable at the Nota'. mAhufly. This Mortgage also will secure payman! of these amounts. The rights provided 10< In this paragreph shall be In addition to any ( 'her rights 0< any remedies to which Lender may be entitled on account of the detaull. Any such action by Lender shall not be construed as cLXIng the delautl SO as 10 ber Lender from any remedy thet it otherwise would have had. Granter's oblJw.1tion to Lender lor all such expenses shea SoMVIl 1118 entry 01 any mortgage forocIosure JudgmenL WARRANTY; DEFENSE OF TITLE. The following provisiOns relaUng to ow""",hip of the Property are a pall 01 lhls M~gege. T1lte. Granto< wllmlnts that: (a) Grantor holds good and marketable lItla of record to the PropOOy In fee slmple, lree and clear of all liens and encumbrences olher then those sot lorth In the Real Property de-..criptlon or In any tillo insurance policy. Ulla report, 0< final Ulle opinion Issued In favo< of, and accepted by, Lender In connection v.ith this M~gage, and (b) Grantor has lha full righL power, and author1ty to execute and deliver this M~gege to Lender. Defense 01 TIDe. Subjecllo the excepllon In the paragraph above, Granlo< warro.nts and wiD forevor defend the tlllo to the Property agalnsllhs lawful clelms of aft persons. tn the IlWnt any action or proceeding is commenced thai quosHons Grantor's tlllo or the InfAlrest of Lender und... this Morigage, Granto< shall defend the action at Grantor's expense. Grantor may be the nominal party in such proceodlng. but Lrlnder sheIt be enlltlod to participate In the proceeding and to be represented In the proceeding by counsel of Lender's own choice, and Grantor will deliver, or CBU30 10 be delIvored, 10 Lender such Instrumants os Lender may request from time to time 10 perrrdt such par1lcipation. Co<npllance With LawL Granlor W81TOnts thai the Properly and Grantor's use of the Property complies with AI exisllng appllcsble IIw., ordinances, and regulatlons of govelOmental authorilies. CONDEMNATION. The foUowing provisions relating to condemnation of tho Proporty ar.. part ollhis Moogago. App/k:8Ilon 01 Nel Proceed.. If all or any part of the Proporty is condemrl<'d byorrnncnt domain pro<:l'lll>dlngs 0< by any pr<>::eed!ng or purchsse in fieIJ 01 condemnation, Lender may allts eIoction require that all 0< any portion 01 the "'" prOC'Aled$ of the award be applied 10 lIl8 IndeCtednoss 0< the repair or restoratlon Of the Properly. The nel proceeds ollha award sheIt mean the award aflor paymont ot.. tctual coots, expenses, and allomeys' fees Incurred by Lender In connection wilh the condamnr.bon. Proceedlngs. If any proceeding In condemnation IS UIed. Granto< $haU promplly notlf'y Lender In wrlbng. and Grantor """U P'OOlltty Iak. 0IlCh $laps IS may be neceosary to defend the .:;bon and obtain the award. Granlo< may be the nominal party In ouch PfOCM<l1ng, but LanOOr ollsI be enlltlod to participate In the procoeding and to be represented In lIl8 proceeding by counUli 01 its own choice, and Grantor wIfl dorI'ver or CBUH to be delivered to Lender such Instruments as may be requested by II born time to bmo to permit such parliclpabon. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERHMEXT AL AUT>>ORITIES. The folfowltlg provtslons """bng to \lC>vernmentalll..... _ "1'I"l/"'M t\t'\.... 01-02-1998 MORTGAGE (Continued) Page 4 and charges are a part of this Mortgage: Currenl Taxes, Foes and Chlll'ges. Upon request by Lender, Grantor shan execute such documents in addition to this Mortgaga and take whatever other Bellon Is requested by Lender to peOO8t and continue Lander's lien on Ihe Ree.t Propo~. Grantor shall relmbursa Lander fc< all texos, as dllSC!lbed below, together with all expenses incurred in recording, perfecting or continuing this Mortgage, Including without tlmitation all taxes, lees, documentary stamps, and other charges lor recording or registering this Mortgage. Taxes. The loIlowlng shell constitute taxas 10 which this section applies: (a) a specifiC tax upon this type 01 Mortgage Q( upon all or any part of the Indebtedness securod by this M~age; (b) a spoclfic lax on Grantor which Grentor is authorimd or required 10 deduellrom paymants on the Indebtedness secured by Ihls type of Mortgage; (c) a fax on Ihls type 01 Mortgage chargeabla against the Lander Q( tha holder 01 the Nota; and (d) a specific lax on all or any portion of the Indebtedness Q( on payments 01 principal and inleresl mede by Grantor. Subsequenl Taxes. 11 any lax to which this section applies is enacled subsequent to the date of this Mo~gage, this evenl shali have the same eflecl as e.n Event of Oafault (as defined below), and Lender may exercise any c< all of its available remedies for an Event of Oelault as provided below unless Grantc< either (a) pays the lax bef0(9 II becomes delinquent, or (b) contests the tax as provided above in the Taxes and Liens saction and daposlts with Lender cash or a sufficient corporate suraly bond or other securily satisfactory to Lend.... - SECURITY AGREEMENT; FINANCING STATEMENTS. The lollowlng provisions relating to this Mortgege as a se:urily agreement ara a pa~ of thts Mortgage. Securlly Agreernenl. This Instrumenl shall oonstitute a securlly agreement to tho extent any 01 the Propa~ constitulos fiJdures or other personal propert(, and Lender shall heve all of the r1Qhts of a secured party under the Uniform Commercial Code as amended from time to time. secu~ty Inl.rest. Upon request by Lender, GrantQ( shall execute financlng stataments and take whafever other action is requested by Lend... /0 perfect and continue Lendor's securtty Interest in the Rents and Personal Properly. In addiUon to recording this M~age In the real properly recQ(ds, Lender mey, at any time and wilhout further authorization from Grantor, file executad counterparts, copies or reproductions 01 this Mo<1Qiiga as a financing staldmen!. Grantc< shall reimburse Lender for all expanses incurred In perlecllng or continuing this securlly Interust. Upon dalault, Grantc< shall assemble the PllfSonal Prope~ In a manner and at e ptace reasonably convenient to Granlor and Lendor and make It available to Lender within thrae (3) days efter receipt 01 wrillen demand from Lender. _s. The mailing addresses 01 Grantor (debtc<) and Lendel' (secured party), Irom which Inlormetion concerning the securily Inleresl granted by this MO~gBge may be oblalnad (each as required by the Unilc<m Commercial Code), are as slated on the first page of Ihls Mo~gage. FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provisions rolatlng to fu~h... assurances and allornay-lr>-facl ara a part 01 this Mortgage. Further Asaurances. At any time, and from time to tima, upon raquest of Lender, Grantc< wlU make, execute and dallver, c< will cause to be mede, executed or deIiverad, to Lender c< 10 Lende(s designee, and whon requested by Lender, causa to be flied, recc<ded, refiled, or rerecorded, as the case may be, at such times end in such officoo and places as Lend... may deem appropriate, any and all such mo~gages, daeds 01 trust. securlly deeds, securily agreements, financing stataments, continuation slalaments, Instruments of lur1hot assuranoo, cerllflcatas, and oth... documenls as may, In the sole oplnlon of Lendar, be necessary c< desirable In c<der to effectuate, complete, perlacl, continue, or preserve (a) tho obligations of Grantc< under tho Note, this MortgBge, and lhe Ralated Oocumenis, snd (b) lha liens and sacurily Inlel1lsts created by this Mortgage as firsland prlor liens on tho Properly, whether now owned or hereaftar acquired by Grantor. Unless prohibited by law 0< agreed to lhe contrary by L&nder In wri~ng, Grantor shall relmbursa Lander for an costs and expenses Incurred In connection with lhe mBtlats referred to In this paragraph. AUomey-ln-Fact. If Grantor tails to do any cf Ihe things relarred to In the preceding paregraph, Lender may do so Ic< and In the name 01 . Grantor and at Grantor's expense. For such purposes, Grantor hareby Irrevocably appolnls Lender.. Grantc<'s allornay-ln-tacllor the pwpose 01 meklng, executing, del"","ng, filing, recc<dlng, and doing all olh... things as may be necessary or deslrabla, In Lender's sole opinion, 10 acc.ompllsh lh8 me"ers referred to In tho preceding paragraph. FlLL PERFORMANCE. II Grantc< pays all the Indebtedness when due, and othlllWise performs aU the obligations Imposed upon Grantor under this Moogage, Lender sI1aIl OXllCuta and deliver 10 Grantor a sullable saUslacllon 01 this Mortgage and suitable slalemenls oflomllllilion 01 any r.llinclng statement on file evidencing Lend"'s security Inlerest In tho Ranis and the Pen;onal Property. Grantor will pay, ~ pwnIlIed by applicable taw, any reasonable lomlInation fee as determined by Lender from time to time. . DEFAlLT. Each 01 the following, at the option 01 Lander. shall consttute an ovent 01 default ("Evo.t 01 Delaulr') under this M~gaga: Detaull on Indebtedness. Failure 01 Grantc< to make any paymenl who. due on Ihe Indebtedness. Delaull on Other Payments. Failuna 01 Grantor within tho tilna raquired by this Mortgage to make any payment for taxes c< Insurancs, c< any olhar paymant necessary to prevent filing 01 c< to oIIoct discharge at any lien. Compliance Default. Fallura 01 Grantor to compiy with any other term. obligation, covenant c< condition contained In ".Is Mortgage, the Nola or In any 01 the Related Documenls. Default in Favor 01 ThIrd Parties. Should Granic< default under any loan, extension of crodit, securily agreement, purchaso or sales agreement. 0< any oIh... agreement, In Iavor 01 any other croditc< or person lhet mey matarially affect any 01 Grantor's properly or Grantor's ablllly to repay the Note or Grantor's abffily to parfonn Grantor's obligalions under this Mortgage or any 01 the Related Documents. F.... S\aIO!menIs. Any warranly, representation or statement made or furnished 10 Lender by or on behall 01 Grantor unoor this Mortgage, tho Note or lh8 Related Documents is taIse or misleading In any malerl8l respect, either now c< at tha time made c< furnished. Oelectlve CoIIalerall1sllon. this Mor1gage c< any of the Re1B!od Documents C<1QS9S to be In IuD Ic<co and eftect Oncluding faIIUfa of any c:oIIItaraI clo<;umenls to create a valid and perlected socunly interest c< lIan) at any time and fOl any IlJ8SQn. Death or Insolvency. The dealh 01 Grlntc< or tho dissolution or tormlnatlon or Gronlor's existence as e going business, the Ir.solvency of Grantor. tho appointment 01 a receiver Ic< any part 01 Grantor's propo<ly, any ~nm.nl for tho ""nefit 01 crodltO<1l, any type of cmdilOl worl<out, c< lhs commencement 01 any proceeding under any ban~.ruptcy c< insolvency Ia... by or against Grantc:. Foreclosure, For1ellure, etc. Commencement 01 lorecIosure c< fortel1ure proceedings. whether by Judicial proceeding, seIt-llolp, repossession or any olhar method, by any credltc< 01 Grantc< or by any governmental eooncy against any oftha Property. How..-, this subwction shall no! apply in lhs """nt of a good taIIh dispute by Grantc< as to fha validily or reasonableness oIlhe claim which Is tho basi. oflhe torecIo&.... or forefelture proceea;ng, proVided that Grantc< gives Lender wriHen notice of such claim and fumilohes rc$OMlS 0< . luroIy bond for tho claim sallsfaClOry 10 Lender. Brasch 01 0Ihef Agreemenl. Any brBich by GranIc< under tho torms 01 any other agreement beIween GranlDr' and Lender IhIIIs not remedied wlthIn any grace period prOVIded thereon. includIng without 1Im/labon any agroement conoemlng any indebl8<l"'S 01' olhar obligation of Grantoo: to lJlnder. whether OXISbnQ now c< Iat.... 07-02-1998 MORTGAGE (Continued) Page 5 Eventa AffecUng Guarante>r. Any 01 th. ~recedlng events occurs with respoct 10 any Guarantor of any at tha Indebtedness or any Guarantc< dies c< becomes Incompetent. or revol<es c< disputes the validlly 01. (l( llabilily undar. any Guaranly 01 the Indebledness. Adverse Change. A metooal adva<so change occurs In Grantor's flnancllll condlllon. c< Lender believes Iha prospect of p.yment or pooormance of the Indebtednes.ls Impeired. Insecu~ty. Lendor In good faith dooms Itself Insocura. RIGHTS AND REMEDIES ON DEFAl1.T. Upon tha occurrence 01 any Ewnt 01 Oalaulland at any flmathereafter. Lender. at its option, maye"",ctse any one or more 01 the loIlowing rights and remedies. In addition to any other rights c< remedies provided by law: Accelerate Indebledness. Subject 10 applicable law. Lender shell hava the right at lis opfloll without notice to Grantor to dectara the antlre Indeblednoss Immediately dua and p.yable. UCC Remedies. Wllh respect to aU c< any part 01 th. Parsonal Property. Lendor shell haw all tho rights and remedies of a socured parly und", the Uniform Commercial Code. Collect Rente. Lender shall have tho righl. without nollce 10 Grantor, to lake possasslon of the Property and collect the Rants, Including amounts past due and unpaid. and apply Iha net proceeds, over and above Lend91's costs, against the Indebtedness. III fu~h",ance of this righl. Lender may reqUire any tananl or other user of Ihe Property to make payments of rent or usa lees direclly to Lender. If the Rants are collocted by L.nder. then Grantor lnevocably designates Lender as Grantor's allomey-lo-lact 10 endo<se Instruments received In payment thereof In the nama 01 Grantc< and te negoliete the same and colloclthe proceeds. Payments by tenams c< other llSOIlIlo Lender In responsa to L.nd....s demand shall satisfy the obligations lor which ItlD paymonls am made. whether or not any propar grounds Ic< the damand axisted. Lender may exorcise its rights undarthls subparegraph ellher In porson. by agent, c< through a receiver. AppoInt Receiver. Lender shali he.. tha right to havt> a receiver appointed to lake possession of all c< any pa~ 01 the Property, with the power to protect and preserve the Properly, to oparate the Property preceding fornclosure c< sale. and to collect tha Rents from the Property and apply the proceeds, over and above the casl 01 the receivership, agelnsl the Indebtedness. The receiver may serve without bond If permitted by lew. Lender's right to the appointment 01 a receiver shall exist whether or not Ihe apparent value 01 the Property exceeds tha Indebtadness by a subslanllel amount Employment by Lender shali not disqualify a person from serving as a recelvor. Judlclol Foreclosure. Lendo< may obtain a Judicial docree lorocIosing ('..rantor's Interest in all or any part of the Property. PollllAlaslan 01 the Property. Fc< the purpose 01 procurtng possession 01 the Proparty, Grantor heraby authOfizes and empowers any attorney of any cou~ 01 recc<d In the Commonwaallh 01 Pennsylvania c< elsewhere. as a"",ney fc< Lender and ali parsons claiming under or through Lander. to sign an agreement for entering In any competent eou~ an amicable action In ejGClment for possession ollhe Properly snd to appear for and conloss judgment against Grantc<. and against all parsons cfalmlng undor c< thlough Granlor, for tha recovery by Lendar 01 possession of the Properly, without any slay of execution, for which this Moogege, or a copy of this Mortgage voriftad by affidavit. shall be a sufficient warrant; and thereupon a writ of possession may be Issued forthwllh. without any pric< writ c< proceeding whals<lever. NonludlclDl Sale. If permitted by applicable law, Lander may foroclose Grantor's Inlarestln all c< In any pa~ ollhe Parsonal Property c< the Real Property by nonjudiclal sale. Deftclency Judgmenl. Lender may obtain a judgmentlc< any dBficIency romalnlng In the Indebtedness due to Lendor after appllcallon 01 aU amounts recelved from the exen:ise of tho rights provided in Ihis secllon. Tenancy at SUfferance. If Grantc< remains In possasslon of the Properly aft", the Properly Is sold as providod abow or Lender othOlWtse becomes ont!tled to possessilln of tho property upon defaull 01 Grantc<, Grantc< shoJI become a tensntal sufforance 01 Lend... or the purchaser of the Property and shall, el Landor's opllon. either (a) pay a reasonable ","tallc< Iha use of Iha Property. c< (b) vacato the Proparty Immediately upon the demand 01 Lend.... Other R~leL Lender snaa nave all other rights and remOOies proYl~ :r, ttts Mo.1;:';3 or tha. Nc~ or 4\~..:!.~1c at t:lw or in equity. sate ollhe Property. To the ex1ent parmltted by applicable law. Grantc< hafoby waives any and all right 10 hawtha property marshell9d. In 8X8IClsing lis rights and remedies. Lender shall ba _ to sen all or any part of tho Property togelhar c< separately. In one sale c< by soperate sates. Lender shel be enblled to bid at any public sale on an or eny portion of thE> Proparty. NoUce of SM. Lendor shall gIvO Grantc< reasonable notice 01 lho lime and piece 01 any public sale of the Personal Proparty or of the time aft"' which any pMIe sale or olhar !'ltendad disposition 01 the Personal Properly is to be made. Unless 01_ required by applicable lew. reasonable notice shaU mean notice given at least ten (10) days bofore the time 0I1ha sale or disposition. WaIVer; EIectton 01 Rernedles. ~,walver by any party 01 a breach of a provision of this Moogage shall not constltuta a waiver 01 or prejudlc8lhe party's rights otherwise 10 demand strict compliance with thet provision or any olhar provision. Electton by Londer 10 pursue any remedy shall nof exclude pursuit of any olhar remedy, and an election to make expenditures c< W.e action 10 perlc<m an oblillallon of Grantc< under this Mortgege onor lalure of Grontc< 10 perlonn shall not aftocl Londer's right 10 docIare 0 default and exorcise Its ....medias under this Morigege. Allomeya' Fees; Expenses. If Lender Inslilutes .ny suit c< acti"" 10 enfoo::e any of the terms 01 this Mortgage, Lender shall be entilled to recover such sum as tho court may ad;udga reasonable as allc<ney5' fees at tnaI And on any appeal. Whether or not sny cQU~ ection Is Involvad. aD reasonable expenses 1ncurr1ld by Lender that In Lender's opinion are necessary al any time 'c< the profocllon ollis 1_ c< the anforcement oJ lis rights shal become a pat! ot tho Indobtadness paysble on demand and shall bear Intarnslfrom the dale ot expenditure unlll repaid althe rate p"""dad for In the NoI8. Expanoos coverod by this paragraph Include, wIIhout llnullillon. hOWlMW subject to any limits under appbbllllaw. Lender's aIlomeys' lees and llllldBl" ~ e>:pof1$C$ whelher or not there Is s Iawsull. Including allorneys' fees to< bankruptcy proceedings (Including ertorts 10 modify c< wcafe errl aulomalJC slay or Injunction). appealS and ony snbc:lpalbd posI-judgment colIeclion sarviCeS. tho cost ot soorchlng records. olltalnlng tItlo roports (Including lc<ocIo>ure mports), surveyors' reports, and appral>al..... and IIt1e Insurance. to lhe_ parmllled by applicable law. S..nto< also wlI1 pay any court costs. In addition to &II at"'" sums prOVIded by law. NOTl~ TO GRAHTOR AND OrnER PAnTIES. Unless 0"*,,'$0 prOVIded by applicable law. any no\lce under this Mc<1gege shal be In writing. may be ..nt by loIofocs;imlle (unless ot\1etWi!,o required by law). and shaS be ertocllve when aclurJly deIMlr9d. c< when deposI1ed with . nalonally re:ognimd O\Wl1ighl courier, or. M mallod, shall be deemad ofloctive whon dePosited In the United Slales malllIrsl cleu. cer1ffied or reglslared mall, po$tago prepaid, dirocIed to the .ddro.... shown near the beglnnlng of this MorigIOO. Any party may cht.nge Ils addrll$S Ic< nollces under this Mor1gage by giving formal _ no<ICe 10 the alher parties, $pllCltylng lhAl the purpO$f of the nolice IS 10 chenge thoo party's address. AI copies of notlcel ot lO<tlctosure IrOm Itle holder of any lien which has priooly fM!JIthls M~ge $heR ba sent to Lender" address. as shown near Iha beginning ot this MorIga;je. Fc< nobce purpeses. Grantc< sgrees to k_ Lender' Intormed .lsl limes ot Grantor's currenladdress. MlSCBLANEOUS PROVISIONS. Tho Iolowing mistellaneous prOVISIOns are e part 01 1II1s Mortgage: ~_'!':e!. ..~!!~ '!h!! ~~~~ !~ ~ !"l' ~~ OrrulT'IAnl:l.; ~tules lhe enbra ul'td8r1.tandlng and agrNment ollhe part_ as 10 the ~..... I.~ .._ 'lOt: 07-112-1998 MORTGAGE (Contlnued) Page 6 mailers setlooh In this Moogage. No alteration 01 or amendmant 10 this Mo~gage shall ba effective unlass given In wrillng and signed by tha parly or parlles sought 10 ba chargad or bound by tha alleration c< amendment. Annuol Repoos. If Ihe Proporly Is used fc< purposes other Ihan Granlo(s resldance, Granlor shall furnish 10 Lender, upon request, a certifiad statement 01 net operating income received from the Properly durtng GrantOf's previous fiscal year In such form end delall as Lender shell raqulre. "NoIt operating Income" sholl moan atl cash receipls from lhe Property less all cash expendllu,es mada In connection wllh the operation 01 the Proparly. Applicable Law. Thla Mortgage haa been delivered 10 Lendar and occepled by Lender In the Commonweolth of Pennsylvania. This Mortgage shall be governed by and construed In OCCQrdonce wllh the laWs 01 the Commonwealth 01 Pennsylvanta. Cllpllon Headings. Caption headings In this Moogage are for convenience purposes only and are not to be used to Interpret c< deflna Iha provisions of this Mortgage. Merger. There shall be no marger 01 tha Intorest or estata created by this Mortgage wllh any olher Interest or estate In the Property at any lime held by or lor tha banefit 01 Lander In any capacity, without lhe wrillan consent of Lander.. - Mutllple PlII1tes. All obll;jations of Grantc< under this Mortgage shall be joint and several, and all references to Granlor shall mean each and avery Grantor. This means thet aach of the persons signing below Is responsible for 011 obligations In this Moogage. Severability. If a court of competant Jurisdiction finds any provision of this Moogaga to ba Invelid or unenlorceable as to any person or cltcumstance, such finding shall not render that provision Invalid or unanforceabla as to any other parsons c< clrcumstances. If Ieaslbla, any such offending provision shell ba deemed to be modified to be wllhln the limits of enforcaablllly c< validity; however, If Iha oftandlng provision cannot be so modified. It shall ba stricken and all other provisions of Ihls Mortgage In all other respects shall remain valid and enforceeble. Succ:esao<a end AssIgns. Subject to the limitations stated In this Mortgaga on trar.sfer of GranlOf's Inlerest, this Moogage shall be binding upon and Inure 10 tho benefit of tha par1les, Ihelr helrs, personal representatives, successors and assigns. If ownership of the Proper1y becomes vesfed In a person other than Grantc<, Lender, without notice 10 Granic<, may deal with GranlOf's succossors with reference to this Moogaga and Ihe Indabtedness by way of forbearance or er.tenslon without roleaslng Granic< from the obll;jations 01 this Moogage or llablllly under the Indebtedness. Time la oIlhe Essence. TIme is 01 tha essence in Ihe ~c<mance of this Mo~gage. WolVers and Consenta. Lender shall not be deemed 10 heve waived any rig his under this Moogaga (c< under the Releted Documenls) unless such wolve< Is In wrtting and signed by Lender. No delay c< omission on the part of Lender In axercislng any right shall operale as a welve< of such rIGht or any other right. A waiver by any party 01 a provision of this Mortgaga shan not constitute a waiver of or prejudice the party's right otherwise to demand strict compliance with that provision c< any olher provision. No prior wal..... by Lender. nor any course of deaUng betwoen Lend... and Grantor, shaU constitute a waiver 01 any 01 Lender's rights or any 01 Granlc<'s obligations as to sny future lrensactions. Whenever consent by Lend", is required In this M0I1gaga, the granting at such consent by Lender In any Instance shen not conslllute continuing consent to subsequent Instances whore such consent Is required. -- EACH GRANTOR ACKNOWLEDGES HAVING READ AU. THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TERMS. THIS MORTGAGE HAS BEEN SIGNED AND SEALED BY THE UNDERStGNED. GRANTOR: x;'~~y~;;;;6/' . , (SE.Al.), .......4IJ"..., ..",.",,(. .~/J....4,..... X ";::::''Q.llirJ~/~.~.:,:+7,;~~:;;>' a_or A. Thrush ..:.:,...-.i..::.:....;.-: (Wl) .. Signed, oc:knoWIedged / CERTIFICATE OF RESIDENCE I hereby""'1ifV, that lhe proo... addrC"..s 01 the mortgagee. Flnanclol Trust Company, hemin is as loIlows: One Wesl HIgh Slreet, Cull"e, PA 17013 " ~...... A~r'- 'lQC tlVV".I."'J.Qt lev,," tlUVV 07..(12-1998 MORTGAGE (Continued) Page 7 - INDIVIDUAL ACKNOWLEDGMENT -....'mTE-OF.-~~c;.y~JCNO. ~6S co~o~G J~~\~~ I . '. . . ,. 'IJ~ .-:Sc...~ 19qi before me SQ.~~ \' \J.J. t\:.~~ ,the On this. the (!- day 01 .1/1 sh Jr ~Eleanor A Thrush known 10 me (or satlslac10rily proven) to be e pe<SOn unders Igned Notary Public, pOfSonelly. ~peartruad pa t D. J::~no~edged that Ihey ~uled the same lor t~e PUrposes~thereln conlalned. - whOSlO names are subscribed to the WIthin Ins men. an . . ~? ~. 'In wltnesswhereol, I hereunlo sol my hand and olllclal seal. ~~_ ~otaryPUbllC In a~d, for Ihe Slat~.~1 ~"'I'~t veJ\l 0 , P 11M Olf Vir 3251c)19911 CFI PfOServlcCl,lno. A!lrjghlsresorved,IPA~G03THRUSHJR.LNC.3.0VLl .' ..' :: LASER PRO, Reg. U.S. at. .. .. .. '. . . , ~.. . .. NllTAmAL SEAL SAWlB. W. t.\iUiES, HOT~ PU8UC rI.l\USlE OORO CU"tlg;\A~O CWIm' I!VCQLlM\SSlO.~ EXFI~l:5 JIlL ~ 27. 19:18 ., '. "-;' : - .--. " . ""~';~~'::~::; ;.:.; ::: rt<h '" :~:"::':'=':~::::<h,!~~J~-("~t::, '" ,,: /71 1 ';) ~\..'.;''',t: in DioldnllOll 'l'ownship, Cumberland COtmty, Pennllylvania, bounded and desor1bed aa tolloVll: BEGINNING at a spike in the oenterline ot Pennsylvan1a Route No. 1711, 011 the line ot land nov or' tormerly ot Glenn GUbert. thence along 'the latte!', North 10 degrees 00 minutes "9 seoonds West, a distanoe ot .' 189.93 teet to an iron pin on the line ot land retained by the Grantors here:1n; thenoe along the latter, No:-th 79 degrees 09 minutes 110 seoonds East, a distance ot 269.29 teet to an 1ron pin; thenoe along the asme, South 08 degreen 01 minute 112 seoonds East, a ~stance of 187.00 teet 1:0 a sp1ke in the oenterl:!ne of said Pennsylvania Route No. 1711; thenoe along the latter, South 78 degrees 30 minutes 00 secondll East, a distanoe of 262.88 teet to a sp:Uce, the Place of BEGINNING. COll'l'AlNINO .969 acres and being described according to a final subdivision plan tor Paul Thrush, Sr., by W.Hb= H. Clifton, R.S., dated June 29, 1978, and reoorded in the Oftioe of the .Recorder or Deeds tor Cumberland' County. Pen:lsylvan:l.a, :1n Plan Boole 33 . Page 76 ,and being deSignated ae Lot Ho. 1 thereon. . Bod467 fAGE .387 . . _ .. . ..4 ~ ~ ... . ._.~ _ .... ... ~ ." ,....._U. -_.. .-.~.....,. ......~.,.. ~....~ . ..~ ' .. ...,.,.AT_W.'flnb' 0NeI, II\oIt '01"'- Act of ltot-tnSl\'M '01 ",O~"ICGtdIIlI H.nrt HIli, Inc., ,,,,,II"", ,.. ~bi~ jDttb, MADE THE .!.~~ 0' 011' Lord 011' t""".and ,,1M hund,.d dav 0' S:t!<:.....lt.. seventy-eight (1976) ill thl V.II, llETWEEN PAUL O. THRUSH and MARY C. THRUSH, his wire, or Dickinson TownshiP, C~~berland County, Pennsylvania, hereinafter called G....1l1ot'1l , and PAUL D. THRUSH, JR. and ELEANOR A. THRUSH, hill wire, or R. D. 65, Box 459, Carliale, Cumberland County, Pennsylvania, hereinafter called GNllt..a: WITNESSETH, 1~,4t III eOnlid.",tlofl 0' One and no/l00------------------------ _____---------------------------($1.00)---------------------- DoUon, in 114nd paid, the 'tempI Wh'T'O' ;, h....bv ClCknowudg.d, the ,eid gmnto,8 do h.T.bv /lTelle and collv'l/I. the ,aid gmlllet s, their heirs and assigns, as tenants by the entiret ies ' ALL that certain lot of land with the improvements there~n situate in Dickinson Township, Cumberland County, Penneylvania, bounded and deacribed ae follows: BEGINNINO at a spike in the centerline of PeMsylvania Route No. 174, on the line of' land now or formerly of GleM Gilbert; thenoe alcng the latter, North 10 degreeS 00 minutes 49 seconds West, a distance or 169.93 feet to an iron pin on the line of land retained by the Grantors herein, thence along the latter, North 79 degresS 09 minutes 40 eecondB East, a dist/Ulce of' 269.29 reet to an iron pin; thence along the SBIl\e, South OB degreeS 01 minute 42 eeoonde East, a distance or 187.00 reet uo a spike in the centerline or said Pennsylvania Route No. 174; thence along the latter, South 76 degreeS 30 minutes 00 seconda East, a distance or 262.68 reet to a spike, the Pll1ce of BEG INNING. CONTAINING .969 acres and being described according to a final oubdivie1on plan ror Paul Thrush, Sr., by Wilbur H. Clifton, R.S., dated J~~e 29, 1978, and recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan Book 33 " Page 76 Lot No. 1 thereon. , and being designated aD EEING part of the same property which Oeorge W. Weitzel, widower, gl'.anted and ccnveyed to Paul D. Thruah and Mary C. ThrUDh, hiD wire, Grantors herein, by deed dated August.17. 194B and recorded in the L-- ~28 fACE 4i3 \ EXt: -_.._~ \ ~ . 1 :1 II . \ , tl\):/:..,,'. '../'-' "':~-':"'IT,\."/', ;J.' ,:::~!/~E~:~:"::-::":'"vi .~. 1:1 eanor AL Thrush. "972 West"Old "York Road ____ CarLi.sle" PA_""17JlJ1.__-" u. ':: 1'1' ,I . . November 3, 1998 ".'1. 313435-30015 i"'L! ;'.'~;JHT!,';/\C~::. :lf~:l~ I)', !hf:~I'~'f~dtt~~:' 'll,'l~, ~I~ cr 'Ill;,;) 011 financial Trost Co. I')ur W'lP''''"\! IOCH'.:ll ill _912.Jlest.Old" rQrk. RQad, Carlisle,P./LJ.7913 . -.--1 is I!' I :;C ::~ I (.US L.t:. F 1\ U L T !Xicausc ~'(ll: .l;.'~ e /w[ ,niJlie (/;'1.' (fIf)l1i/JIV p:l~' .'."':'iI ~:...' ,:.',' :~. 1 f 1.16.76. - foe tn"f :i:uJlI/>S of __~ptemQeL . ".. __ .. __ ___, _OC.t91>~r. ___ -." -. h"__ a.': "__NQvember 199"6 .-----, ;:.,:d:~';I' ,l.:'!C,TGP .. L.?:ti' ,:i~ ~"'~l->j ~.u1 C~ n':r d1i:i~Jes ii.J1/2 3IS':; d.x.rtJt:,d to this ':.L:j:~ in ~l'~ :HT'Ci..lti! Sf .$111 .68 'i' '.',;::';1, ,':i":\,'.' f-..;qu:r1ld :_G 1:\I;'~: i~;'? (Jr:~.ll.l)t. 0'" ir: ;)1h:..:r word~;, \lef C;hl9ht \1:, :r ,;:1: ).1"'- T ;.~;~ to~ai ~; ., . (.of thi$ i"i!..";' "j \::3,461.96 Y':<'I ,-nay ~urf. This default within T.'-iIR TY (30) VA YS of the date of t:'ii,) /f!t;cr. I::~,' ,G/I//rV! t..,:;" :!~r:~ ':;G:.i\',? amount 0'- ~ 3,461.96 .., plus anv J(fd/tional monthly pavmtJnts afi'~.' Iste ,-:har~';:,; '.',:',:. I; Il;"':' '.~l": :,:,!,: :uI/n,,:! this pt:riod, Such pa/rrl'~rt must he llliKi(~ eitn!:( by cd~;h, <:ashil?r's check, i';ertifie~ ch::d, " :";11 ..' r;.I:~i, ~I','! '....~d('h:: at ___ __" Einanci aLIrust "Co .__._"__ ___' ._. .__.__.___n._____._____'. n___' If '1(111 do net curt; th~~ dehult within "THIRTY (30l D.-\YS, we intcn,i rc r3Xrf~Ci,;:' "",. ".';;,/: :~.' ...{~,,~...~tt.' ,,Ill! n~ort9c1!1lf paVTnt..'t1ts. This means that what8ver is owing on the original ;:llnCLJ:~t tori u;.,;(~r~ ',\ ::: :"~C ~..:.:-~-,~it:j2r-:d due immediately- and you ma'! lose the chance to pav nff the original r,lurtgage ir. monthiv ;i'!~,t,~q.;q.l'\~~. ! i j.jl; p,11'r:h~nt of lhi-: In:c:!..lr.t (,f default i$ not rnJd~ vJithin TnlP7Y (30) CAYS, \11/:' a!sn ':OTA/!iI f!; ;.1,'-:',:' .-~.'. ,'{1 ~"';;:.)l.,,~ ;','1 ~'wrt a 13\l,'~!.iir to foreclose ~.'Qur fl~(jrr!Jaged prop11frv. If the mortgage is forec!csed your nY1/t:~\;~:0:' p; ,~I,Cr.'i iV will h.} sold bV tf1e Sh?riff to p2~1 off the mortqage debt. If we refer your case to our attorne'/s. hut VUI: C~'r; I;";: dd:)ld,,: t.ef(ne they b~:;~~I"1 il:9111 ~!I,:.r.\:(~dl(liJS ?gair-st ynu, YCH.I wi\! still nave to pav tbe reilson2bk: artoli',~',:'~ ',:-:-,-.":;, 3~::, r:;;iV ;n,~I,lr't'd.lIp to 55000. HOI,\'cver, if legJI procee{~illgs are startE::d against you, you will tl,Ne tc pJ'{ t~I': 1.,;:..l';(.IIJ~','~ ;.::t"::'I,'t~V'S fees even if .h:'" w..c O\.it~: 5!50.00, .t\ry ::ttornf~Y'~ fees vvili be arkiEd to Vvh3teVGr 'lou ('WF. U'; ",:j'i.~~.: ;",)-'.." "/":,() irodlJde our r',:~i')nl,.;!:,i-: Ctlsts, It VOl: I~ure {'It; r/et;u,tft \~/ithin tho th/rtv day period, va.:.! ~,\i/.' r:tj: b... (;.;r..,.,... )..' ~:.' 1:.;'.... }(t,J{,'iL':/"S fees. We may also sue Vou per50nally lor the unpaid principal balance and all other sums dele lIM": ;ne mortgage. I: VClI hZl\le no~, cured the d21<1uli within the thirty Cav p€r1cd and fOqX:OSLIt:~ :~.o~"_:"'..~:;l~l" (,1".1: bl:~l...:r:, yea still h~1l'tJ the right to cure the default dnd prevent rile sale at anv time up to onr3 hour Llvt(;:~' U,C .;f:.::.'".".'."s' /oo.;'l:/U,i(/{e )ale. '{OLI !na~' do so bV p.?v/ng the total amount of the unpajd n1on:f1lv pa}'n1ents plu": ai.'i.... .'.~/';J .~:,:!thc,. ,~h":''''~t:-'; t1(!n due, ,:,s I,~ elf ~s th~ re:;sonablc attornev's fees and costs c(Jnnl~ctl'!d wit!: the for~ciosi in} ,,-)I,,1.j '-! ,;'~, c'~,"',' Y":' ;~[,~7<!" {ery~.lire" nW.I1ts unuer the mortgage, It is estimated that the earliest date that such ~ S:~'~'~I:T'j 5'i:~ ((':\!I...~ ~~::" :,eld would be a'.'tvc:~jn-!~H~i'y .120-.days .::., r,otici; of 1h.1 date Of t!-;>;: S;-I~r;f'~ 5.:102 ',.\'il~ jt; -:";r~ to .,; :~;,'.:;(,~ ~~;~: :::;J;~ 'J: ':Oll!se, tl;t: ~i;,.,Vr.t "f..ltlcd 10 j:'.I(;.~ :!-d: debult I/~/i;! ;ncr~?n:.' th.~ !ongcr 'YOU v~'Jit. y~:u l-C;:l" ";,~'" -'\' ", .",.' :'.: ;':~:~i \Vh.~t the rH;tJ;f'~li 1.F;.vr.-~nt \'viil ~~ ti'y' ::.:slling us a~ t.he tol!o\'.::ng nur.1ber: .2~1Z5.9____.. "':~ ..:,~'.'li';:,":~ ::l~_;'~: :~'C ir. ;;a:.:h, ('l:~~";<;:!"; c.!"crk, r..I:rt:f;Cfj :::h~~ck or money oider {lnr1 ,.....,~1d~ p~vable to us 3t ~hC' dr.(~!'[~: S~.~~t".:.i\;~(':'\I!?, \ ':'" ~.:',D",~;1 "~(i:12:.:. lh:;t a Sberdf's sale '.'\'iii I:TlC: Vour oV'/~leishjo 0f thf: l;~('I'~~1al,jr.d i~~',:~'''r'.. ~1'~U V'Jlj!" ri9/'i. ~::' l't.ll11ah: :1..lr ;i' ','(..U CSI'\~;~tio? to iivp' in t:,e prnp!~rtv :-i{ter thA Sheriff's sale.:; iaw~~;;~ rOldd h:; ~~,~;"" ".: ~'J "~::n V"~l~ :'. .." .::,,:, , t:,~,~.:,j ""~~I"~:O r"' "i":: "'~'Ih:'. ,;)1', ;:....frc~i if" ~j 1-; or'.,~-:,~-,: "':1 '. ,", ~:7 ;".,. ._ ~Ht ,~-";"':";:~~'~'l" Y,.."J (':'5r:~,~;1 \";("'I\E': re' 7'.-:.' ":~;':!7 -i'HE ~/iC~eT:~.~'~~E :~2T :\ ..- ~ ,-; ,;,;)' . '_: \~c,'\ 'r -, ~; FC~,'\ ,.: \,\:~~:~'::~ l ~.~'::~'i" ',' I\~~'~'\,::il\: ,',,,' :-':'~.,'.."..i~:~" ~",'t ,:.~<,."......~,~'''' :~t..:::- ;':"(:T' ~./ (~F 7~J1S :E:?T, '-C'/ ',.1. I '. :>,:- (~~: "7"1"":~ "'I'l.,~r,\;'~j,\::;: -:'. .. '.',::._- .:,s~..;~\;::: :~t: ",''1)~~'~I,~'':'(~ ',~:~~7 ""', )\' :i,':t" ~ .J,:,.~" ~_'_ .:'~:- l_~t,':':- ~l. -'(~~.,;::'/'~":. ;-':r;>~ ~~I\i", (":,~:S-:-S:' '-:l~ "'.\, ;)Cli~if':', TC O;~ ,\1" -:-!~~ :;,~~.~ :~:.. ,1\:~ ., :;[ ~. ~ J ._ ,-' ,..,-,' " ,- c ,. ,. E){HIBlT \ ~_l) - , .~H'-"-_~(L.~~,",<-,~. ;:-~rlY 0 Hammornl.-Loan Workout Officer , .'~.!, .' .: I_":' /,\ :-~',~; '.'-;.',\j I t I .-,~ '" - ., ".,. "'tj'i~i.,LfJ,)= ", .--' ru ~~IlJ _Q._!~rJls!1,...Jr. 972 West Old York Road ~~~ri iske~_j)O'IL'-:'_ ._.____._... I;" . ! ',,, ;, . Novewmber 3. 1998. '.'i'l'" 313435-30015 ~'l'l.' ~.~OFr'.',^J;r: :,.,1'.1 :,\ Financial Trust Co. tlltrt-~!naf11.:r Ir:e, liS Uf .)uf'ii on 1tJUi cr0fJt~rty !uca~..:d;.n .....972..West.Old York. Road, Carlisle PA..1701~1-- IS 'iI ~,f:n,(jlJ~ r:UJ\I..iL T i.Ji~I:"<lk IN ;lIe "IGnoh., 01 U __ S~pJe.!11!1~r_ ';Oll h,JV/l nOl n;adu the ;m)111 ,'1/." (la~".'i;t1i1[.'~ 0/ ::tJ 1.1 Q -.7p '_'. _Q\:_toQ.eJ_ ______.__. ancNo.vernber 1998 u..... . .-. ..,..,-.---, :<1,-'(',:::;;' ."~\"J!I,;',.J L3f2 ':!l:Jr:JCo:. ~Jr'd otht:r r.!~.Grgc:, r:av ~ .:Ii:,,) a:;~r~~erl :n th:~ da~:;? in the ~r:Odn! 01 -$.111,,68-. :11~1"I,'" 1:,'_'''' ':'~l'~:!'.~d to '::)!'I~ ~h':; ..!.;Lllii 01 in .:;1~1rr \I\'crc.~. 'Jet l:(jl;~h;: ill: I," '~-~:1. :':;, '-"1'" ,,: 'r", .~:; 3r461.96 'U i'l,~total " I ~(l~ ot tt'is You :.'PI; CU"I.' this rkf.1uf" 1,'1",'t;;,"'j r,!-{.IRTY /71)) DA YS of rhe date of ~hi~ /~trw ::'~, '1,::/'n:1 rr...' (/:; rhf~' .~.1{)tJ,"2:W1ollnt ct 5 3,461.96 __.",._.., ph:s a/l~, (jd~"'itiGnai ri;Ol1!l1/y pr1vn.',:J,~t.~' an,} 1016' l:/l/1,'~".~' ':":;',.,-/: 'II.?} (tJ// ,fi,t) 'J/.Jr...ng this p(:':',:)dFf((a.Rc~~,llrP~s:~U'tb~",/q frI:ice ~;ther bv (;,:'$,(./, ca~hier's check, <:enifieej t";h(~d\ \,r HhJIl.7-'," Ij!\~t.lf. iir~d madt1 at if vou c'.) not C(JI~ the d'2f2uit wi:~'.in THn~TY (30) DA\'S, \'H.' i.'1!Cllr,' .:) ';'.t--'!I",:i,; ,,:',:,'." /Ig,'-Jt '0 ,?cc~}ll?rate tht: i7~n!"tgaqe paprH:l1u. This means that ".oJhatever i:t owinq on the or:gindl amcunt C(.UO'f.ec! wHI be considered due iiTI,l1cd;a~_eh,. ana YGU 11l3V lC'.;e th8 chanc~ to ri3v off the. original rnortgi:1g~ in :I'cn1riy ;n~"p.!:;'ilt,~,j~ if ft::! p3vment or t~..\; ;~l~'"!~):lf"'ll ~'.f dd~'jit is no1 n\,~(H wi11-;J:l T~IRTY (30) DAYS, ~t'e ~J!~o /n!enC','(I ':':-',"':,(i O!f( '::',Fn~vS f..:..' st...1rt a 1;11'~'5U/t (0 lr;.~cCI,~'StJ jlour mort.':::1.~'ed prCtJerry, If the mortgage is forecioserf vou,"rtJ"~~'.~):~d prCr;,t1rrv i/o,';.'! be sold by t!;/.. Shr,,'iff tt.1 !~(7\! o(f th,? -,'71ortr;:ag~? ricin If \V2 refer 'y"our case to cur ;Jttor:12'/S, bli: ',Ie,; :.:~nr; th~: default hdore thp.y !:~Jlr IcU;"i ~"I'"OC:lf~.JtnJS ilij.Jin$t '{Ol~.' 'YO!.; will still have to piiy the ;eii'.;on.Jl;I-:~ ~~:1f)r;-;('\";.: ;,::..'~~. ':Ict~;~j!"l .rh~L:rred. un to SSO.OO. HOWCVPl. !~ legJl fYOc2E-cings are started afiainst 'lOU, '(au will hdV': to pil)- th::~ It:3:lo.'etl!(: ,''It[0i j'ley';) fees even ;~ ,i-,::\: ;.j;;"f; :J":~:' S50,Oa. /'..r;y attorn0y"s fees '"vi!! br>: ~dded to wh3tev2r veL \:'. ;:) .;.;; '.,rr,'c:~~. 11,' :-.";'_;,'J ~P\:lL'de our '.:'1~(.t:;:.~ I'c-,,~ ~'. !/ ~/~. LI . ,;t2 :/'L' ('jf~(j~ ,;t ,'\I:'thlil rhf? 1.17/' tv (fa}1 period, vr,u t~';f' '1(',' :}~ . .i,J.; ::,'j ~,~ ..,:.....:.; :.........,:..vs fper:. \/h; mav a$,o 5\:e yOti Of'rSQr jllv 10" thE-' unpaid princioa: balance and all othersl.l:i\:~ rl;.l':;: l!~\<~f':- ~hr. rl.Jrtg3ce, if \'(;l.f ;~..'",VI;~ I'l'~~ (ur':J ~:,.~ t';'~<.d;t \".,::i,di l!lP. lh:dy dJY p'.:IIOd ~cd ~.;(~~C!Q:'ll"': ~",\.:~.,~;'.I:,:~S l'/~,.'(. 0('(jll~l, vtJa still /?;JI":~ rl}::- right [;) ('ure tlie cefau/: ,)11(j j.;/'e;;'1/1t rhe $J18 a: Jny ri/!w up to one."! /1cur be lOll: :ht~ j';..erd."S IfJrecfosu....e sale. ',",,'u '.':,;!/ fir) ~'{, ":J' p,'wi'''!J ~/ir,; ilr:,.J( a'}~(I(dit of th,t; unpaid rn0i7th/v r-ain~er:.i..''S p,'.:i~ ,'.:;'., '.i> ':," .~,': :,"', , ,"', <:,.IS tlJeJl due. .-is l.'~~i,' as t/l{' re'-:J.o:onal;:e ..nj('1 lir'\"S ,J':.'r'"$ ,1;)d COj'lS con."<3...'red j/~,:th :he forEr/r).r;,:i....:.~.;.:h~,. ~'::. ..~..l,...... ~ :, ,:.:.-:; ':':!:t'" rtlquire. r;ie?,')lS undr:I !.t.e ..po":gaqc. 1t is c:;t;m,Jie': tr-;at th8 <?a.-!:est date ~hiit sllch J Sh~!'";iT, s3:e CflU'(2 ~it,; !1f:;d would be 'J$~';l",l;j-'Ol':':''l' .1?O qa)'s _, ,~, :')\"::(.1.) \':~ ILl" ,ji:~;t.' of t!:e S:ll:i;fi .i;~it.: '....,ii ::':: '){~1.11.' '< I:,' :"::.";"',' 11-1, ,J:e. 'Jfcours~, 1:;2 .'I:n,1\1:1: 'l('lJdt:l~ 1.] Cd!"C the '''':1.. f;jl::i W;:I ir(.;i:'J~L' ih~ !OP00~' ~IOiJ waiL \'...,1.' r:~j'f ~:~.~, :; . '~! '.:1,,' ri:I": 2 ::'C1.!y ':vhat the f<7qu:red p&'Ili1ern will be bY' calling ti:l (jt the foHcwing number: 241:.77~.~__.__. 71;> ~'~.3,/:-;~I2;~t ::';J.,~ Ot j;"l CJ5r., (;:~sh :,~!" l d--f'C~_, :::(~r: i" icd rhl":'ck or '~1C<!lC'f e:-a\:.:' and ri~,3de :'J3ViJb~c :.0 us 3t lhl~ 3cdt'cs:; ::~?it~,; ,:d.:c'.~. You should re;3!!jL'~ ~h3~ a Sheriff's sale '.vill j..nd you' o'IVrl~rsj~:!o of thp rr,~)n9ogprll'::' 1,.,1_./ JI~~' ','C\l, rj~h1 (IJ lerl1.Jin in it !t v::."'u Cf)r'(r.'.lt~ t~) 'f'.":- 1'1 ~.~(J prCrWf~Y flfter the Sheriff's Sil!e, ,1 :aw$t.it r'l'\ l:~ tr; ~~Jrt'.d ~") ;'.v;C! 'J0\~. ""('~J ;~:".\~" -j:,~':j1,C:~'1; 1'.;,)l$l.' :''-:1', ,:dO:'j.:, ""'1..1 :.:"'~~:;;1 if"' q"":;:;;,~,:,,,=:':\- l,~. . "11~; ~cL~ ~-HE F~'~OP~Rj'1 -0 ("a"":"";'i'~j ~':::I"J~Y ~',= ;~.r. (;~t: T~E 1\,'~GSTGAGc c:E2...., ..~ :' ~....)?df...y,',: \:'--:~'.I~! ~:~.C:vl ,1:\i..yr"it::R '_~~'Ii:-:I-; ~ :\~:7 ;'i.;'-~C :\~ .;:.... \V L"";-;: T;~lS Q~~rT", ynU ~/;,'::'..~ t!,'\.'.;-: 7',: n~,~~J:. -,': ~::l_L OR TS.~~~\~TE~, .:'!-lC ;:;r:~'::~:..:~-;-,: '~~.I~.';::-C':" ~c- Tt..;~~: :'1..~lj;::,l,:-:,i\':,~:. TC 1\ ~.~,.I"t: - ,t, . ~~\.~~.:(~~-'";[::- \.~',(: \~':Li. :,':::~tF.'l,~ 1Hf \,:0;; ~G,L..GE. CES-:-, (.H\..J\/!iJt:D '1 HA7 ~LL ;~1E '='UT0-f~'\~~"\.'I.~ P;.'.':':.;E,\'i~;. :';~.,~c'I{';:::S AND ll,-:-~;-'J~ ,'.;~ y S F~:S ,"J:", ') ~~~~,31 ':; ~ ~~: ')::.;) c-p I''''~ TO 0;' ..,.... 7~-r: ~,\ L':::, ;"i' C,1 .::. -;- -';,J ':- '_ ~i' r.!":. ,; i-::::Ci.ti RE. , -, . - , ~ : ..',. .:: ,-' ".; '7" ,(~ -.~ .: j ... ~~ ('; " ;,,!I ~ :. - ",", I,.':.'.'.. ;.: - <,:.., ~:-:'~ r:" '. 'I '-1' '. ,',' ,.. , ... ,~;: I :JilT __ '. r~\ .'--tl>l\'''- ~~I"';'--( 1 ro...(Y RE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS _)U135-300tL. Dale: November 3, 199B .._.......~..__..,,_.- TO: Eleanor A. Tnrustl-'. .... .. FROM: FinAncial J.r.us.LCo~._......_- You moy be allglble lor financial asslatance that will prevent loreclosure on your mortgage If you comply with the provllllona ollhe Homeownars' Emergency Mortgsge Asslstanco Acl 011983 (the" Act"). You mey be eligible lor emergancy temporary aoslstance II your default has been caused by clrcumatanclls beyond your control. you have s reasonable prospect of resuming your mortgage paymenta, and II you moot other eligibility requirements IIstablllhod by the Pennsylvania Houelng Finance Agency. Please road ell 01 this Nollce. It contains an explanallon of your right.. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage (or thirty (30) days (rom the dote of this Notice. During that time you must arrange and attend a 'face-to-Iace' meeting with a representstlve olthla lender, or with a designated consumer credit counseling agency. The purposa at Ihls maetlng Is to attamptlo work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thlr(y (30) days. It you attend a face.lo-face meellng wilh this lender, or with a consumer credit counseling agency Identllled in this notice, no lurther procaedlng In mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, addres~ and tf3lephone number of our representative 15: Jack V Hutchlson '-'-'''--17IfS''RlTher HWY -- car I gTe'PA 1/U1 j Telephone Number: ---717 -241-.:ri59-'''''- The name(s), address(es). and phone numbers of (a) designated consumer credit counseling agency(les) Is (ara): YWCA- .------.--.- __..._ __30~-U_Str..eeL- _......,.__Carlisl'" PA 17013 ---~- It Is only necessary \0 schedule one face-Io.face meatlng. You should advise this lender Immediately o( your intention!. Your morlgage is In default because you have failed 10 pay promptly Inslallmenls of principal and Interest, as requirad, lor a period of at least sixty (GO) days. The tolal amount of tho delinquency Is S ~1.S6 . That sum Includes tha following: _.___.__Ihrea.J1lOnthlY-...llay.ments oL$.Ll1li. 76 for the months of Sept, Oct. and Nov 199B .... _____.pl.us_lL_Late charQe of $111.6B Your mortgage is also in default lor the following reasons: .--...--.-.......--.- If you have tried and are unable 10 resolve this problem at or aller YOIIr faca'lo-face meeting, you have the right to apply for IInanclal assistance from the Homeowners' Emergency Mortgage Assistance Fund.ln order to do Ihls, you :nust fill out, olgn and file a completed Homeowners' Emergency Assistance Application with one o( Iha designated consumer crecllt counseling agancles HSled above. An application for asslstanca may only be obtained from a consumer credit counseling agency. The consumer credit counseling egency will asslsl you In filling out your appllcstlon and will submit your completed sppllcatlon to the Pennsylvania Housing Finance Agency. Your appllcelion must ba filed or postmarked, within Ihlrty (30) dsys of your laca.to.face meeting. It is extrt9mely Importanl that you (ilo your applicetion promptly. If you do not do so, or it you do nor (ollow the alhar rimo periods sol (orth in this lettor, (oroclosure ma)' procaod against your home Immediately. AVUllable funds for emergency mortgage assistance are very IImlled. They will be disbursed by the Agency under the eligibility criteria eslablished by the Act. 11 Is extremely Importenl thaI your applicntion be accurete and complele in every rospect. The Pennsylvania HOUSing Finance Agency has sIXty (60) days 10 make a decision atler it receives your application. During that additional lime. no forectosure pro~,cedings will be pursued against you if you have mel thO lime requirementa set lorth above. You will be nOlllrod directly by Ihal Agel1cy of Its dacision on your applrcatton. The Pennsylvania Housing Finance Agency rs located at 2101 Ncnh Front Slreet. PoM OUlccBox 15530. Hsr"~bulg, Pennsylvania 17\'05, Telephone No. (717) 780.3800 or 1-800.342-2397 (toll free number). Persons With impaired hearing can call (717) 780-1869. In addltron you may recoive another notice hom this lender under Act 6 011974. Thai notice is cal'ed the -Notice 01 Intention to For'!'cIOSl...m~" YOI) musl rond bOlh notIces. slrlce they both explain tights that you now have under Pennsylvania law. Howover, if you c.hoose to uxerClse your nghts d05cnbcd in this notice, you car-not oe ;OToclo5ed upon whiie ycu tlillir ie'€-iv~tIW t~.,;.~ ;;.-::t:.r::e. Very truly yours. / ~ () \ '-^- ~...-~ m.'50l'f~'[~n- _ _ ,.2::97, I errr It'1e PcrlnsylV.1nlB Hc" ii_ I :r_ '.... i~l.i..A. Fo...v c ""~ ,..,................"..,....,... AE: Account No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS ~13A.3.li.::.30015..._____ Dale: -No..wnbeL3.-19QA TO: _ Paul D. .1hr.ush~J~.____ FROM:.EinanciaLlrust Co. ___ You may be eligible for financial asslatance that will provonl foreclosuro on your morlgaga If you comply with the provlslona of tho Homeowners' Emergency Morlgags Asslolancs Act of 1983 (Ihe "Act"). You may be allglblo for omorgency temporary asslstonco If your default hOB been cauoed by clrcumslancos bayond your control, you hove a reasonable prospect 01 resuming your mortgego payments, and If you moot othor ollglblHty requirements astabllshod by Ihe Pennsylvania Houolng Flnanca Agency. Pleasu read 011 of (his Nollce. II contalno an explanation of your rights. Under the Act, you are enlltled to a temporary stay of foreclosure on your mortgage for thlrly (30) days from the dale of this Nollce. During that lime you must arrange and attend a 'laee'lo.face' meeting with a reprasenlallve of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting Is to allempl to work out a repaymenl plan, or 10 otherwise setlle your detlnquency. This meeting must occur in the next thirty (30) days. If you attend a face. to-lace meeting with this lender, or with a consumer credll counseling agency Identified In this nollce, no lurther procoedlng In mortgage loreclosure may take place lor thirty (30) days efter the date 01 this meeting. The na(l\e, l~ddrQ9s alld.telephone number of our representative Is: JaC, V Hutcnlson ---.- -Tno-lHtner -HW----- ------carITS1ePA 1 '013 T~I~phone Number: 717-241 :7759 The nawCW' address(eG), and phone numbers of (a) designated consumer credit counseling agency(les) Is (are): '--'JUl-1rSU'eet-,'-- Carlisle PA 1701:r----- ------ \: It IS only necessary to schadulo one laco'lo.face meaUng. You should advise this lender Immodlately of your Intentions. Your mortgage IS In default because you have failed to pay promptly Inetallments of principal and Interesl, as required, lor a period 01 at lee.st sixty (60) days. The total amount of the delinquency Is $ 3. 461~ 96 . Thai sum includes the following: ..____11hre~O.!lthly.~Q$a.Y..!!!.ents--Q.LH..ill.76 for the months of Sept. Oct & Nov 1998 plus a _______a~e_~lIarge 01 111.68 Your mortgage is also In default for the lollowing reasons: If you have tried and are unable to resolve this problem at or after your face.to.lace meeting, you have the right to apply lor linanclal assistance from Ihe Homeowners' Emergency Mortgage Assistance Fund.ln order to do this, you must fill oul, sign and liIe a completed Homeowners' Emergency Assislance Application with one 01 tha designated consumer credit counseling agencies listed above. An application lor assistance may only be obtained Irom a consumer credit couneellng agency. The consumar credil counseling egency wlli assisl you In IIfling oul your application and will submit your cornplelad application to Ihe Pennsylvania HoUSinll Finance Agency. Your application must be filed or postmarked, within thirty (30) deys of your lace-to-face meoting. It is 8x/lomoly important that you file your application promptly. /I you do nol do so. or if you do nol follow Ihe of her time periods sol forlll in this /elter. foreclosure may proceod againsl your home immediately. Availabla funds for emelgeney mortgage assistanca are very Iimlled. They will be disbursed by the Agency under the eligibilily criterie established bl' the Act. 11 is extremely imporlant that your app:icEstion be eccurate and complelO in every respect. The Pennsylvenia HOUSing Financo Agency hes sixty (60) days to make e decision after It receives your application. During that additional time. no foreclosure p,oc(jcdings Will be pursued against you II you have melthe time requirements sellorth above. You Will be notified directly by thaI AgGncy of liS deciSIOn on your application, The Pennsylvania Housing Fonence Agency is located at 2101 North Front Street, Post Office Box 15530. Harrisburg. Pennsylvania 17105. Tl\lophone No (717) 780.3800 or 1.600';:;42-2397 (tollllee numberl. Persons with Impeired hearing cen call (717) 760.1869. in (toditio;, you may rcCCiVD Bnclncr notice irom ihi5lcnutH UfU)t!f ';\;i c uf i;i4. illat ilutlC~ I~ ('iSiii;d tilt: "NotiCe 01 lni611thJII tv Foreclosu.,,". You must read both nOllcos. since they bolh explcon righlS Ihet you now have under Pennsylvania law. However .-if you chooso ~o o)'crCtSC your lights descnbed in thIS not!ce. you cannot be foreclos~d upon while you are receiVIng 1hal Bssi,:a e. Very truly yours. ) "'" ,,,zk'Tt. Tt--t: P(onns.~'lv EXHIBIT I.~ .J liorkout Off! c III u.1. B..... ~"i~ ...~ .......... 1--