HomeMy WebLinkAbout98-07260
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HARRIS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
NO. 98- 7..J(J'
CIVIL TERM
WILLIAM H, SCHNEIDER and
DOROTHY E. SCHNEIDER,
Defendants
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
COMPLAINT
AND NOW, comes Harris Savings Bank by and through its counscl, Richard C. Ruben,
Esquire and states the following in support of its Complaint:
I. The Plaintiff is I-Iarris Savings Bank, a Corporation organized and existing under the laws
of the Commonwealth of Pennsylvania and having its principal place of business at Second and
Pine Streets, Harrisburg, Pcnnsylvania 17101.
2. The Defendants are WILLIAM H. SCHNEIDER and DOROTHY E, SCHNEIDER, adult
individuals whose last known addresses are 5007 Apache Drive, P.O, Box 1040, Mechanicsburg,
Pennsvlvania 17055 for Mr. Schneider and 104 East Oakland Avenue, Columbus, Ohio 43201
and 107 McKeecurtain Road, University Park, Pennsylvania 16802 for Mrs. Schneider,
3. Defendants on Octobcr 31. 1978 entered into a Mortgage loan indenture with First Fcderal
Savings and Loan Association now by acquisition. Ilarris Savings Bank, in the principal amount
of Forty Eight Thousand Fivc Ilundrcd Dollars ($4ll.500,OO). the tcrms of which loan are more
specifically
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cvidcnccd and sct forth in thc Mortgagc datcd Octobcr 31, 1978, and rccordcd November 2,
1978, in the Cumberland County Recorder of Deeds Office in Mortgage Book 652, Page 173, a
copy of which is attached hereto and incorporatcd herein by reference as Exhibit "A" which
mortgage contains and is a licn upon thc property situatc at 5242 Terrace Road. Mcchanicsburg,
Hampden Township, Cumberland County, Pennsylvania 17055.
4. A copy of the Note is attachcd hercto and incorporated hercin as Exhibit "B"
5. Plaintiff, in consideration of the said Mortgagc and Notc advanced to William H.
Schneidcr and Dorothy E, Schneidcr the sum of Forty Eight Thousand Five Hundred DoIlars
($48,500,00),
6, The premiscs subject to said mortgage is more specifically set forth in Exhibit "A",
7, William H, Schneider and Dorothy E, Schneider arc thc sole owners of the said premises
sceuring said mortgage.
8. Said Mortgage has not becn assigncd in whole or in part by the Plaintiff herein,
9. That said Mortgage is in default because Defendants hcrein have failed to makc thc
following paymcnts: payments of$588.16 for the months of May through Deccmber, 1998; latc
chargcs in the anlount of $121.03,
10, The Plaintiff has given to the Defendants \\Titten notice of intention to forcclosc on said
Mortgage as requircd by law under Act 6, dated August 10, 1998,
11. The Plaintiff has givcn written noticc of default as rcquired by thc Homeowner's
Emcrgcncy Assistance Act of 1983. dah:d August 10. 1998.
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CORPORATE VERIFICATION
I, Stacy L. Armstrong, state that I am the Default Coordinator of I-Iarris Savings Bank, the Plaintiff
herein, that I am authorized to make this affidavit 011 its behalf and that the facts set forth in the foregoing
Complaint are true upon my personal knowledge, information and belief,
I understand that my statements are made subject to 18 Pa, Cons. Stats, ~4904 providing for criminal
penalties for unsworn falsification to authorities,
Date:
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Stacy L. An strong, Default C ordinator
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MORTGAGE
TillS MllI{'J'(;AGE is 1,,"1e tllis" ., ,. ,.. ,. ,3. /,' "., '" . . , ,day or" """ V~"""',.,
I') ,76" IIetwcelltlle MOl Igagtll , ' ,Wnl.~um,lt.. .Sc\1nQ~do1', ATld.DP,:r:othy. E. ,Sohnoidfl;J:, ,bifl, ,Wlffl.."",
. . . . . . .......,.., ....".',... (hcldn "Botltl\\'cl"),alld lilt' MOllgagl't', FII'i1 h'llt'lal Savinps and Loan A!lsncialioll of
Ilauishurg, a corpOlalHlU OIganilcd uud cxislillg 1IlulcI the Iilws of The lJnilfd Stales of Amclh.:a. whose addlcss is 2.H North
SCL'llIHi Stlcet, lIalllsbulg. PCllllsylvilni:l, (helein "I.A.'lhlcl").
Wllere,s, lIollowe. is indelllcd to Lelldel in tile plindpal SIIIII orli'o1',ty.-:Eight ,'l'hp).l,~Q.(ld, :F.i.vo, Ru.nrlrlld ,..nd
99/;L9P:-:"":-;-;-'<'~4~, 5PQ., 99 ).-.-:-:7:-:- Dollals, whkh illlkhh:dllcSS is evidenced hy BUlHlWCIS' Illllc of even dale helewith
(herein "~Oh:"), providing for Illollthly illslall/.!Jlilll.'ipal altd in 'Icst, with the h:llalll.:c of the illdcblcdncs~, if nut
sooner p,ld. due ,nd p,y,hle on , , , , , , , , . , , , ,/I.d ."""""", / , , , , , , , , , , , . , , , , , , , , , , , , , , , , ,2003. "
To SCCIIIC In Lender (:I) tlw repaymcnt of thc indchlt:dness evidenced hy the Note, wilh interest thereon, the payment
of all other sums, wilh interest thereon, advanced in al..'cordalll.:e herewith to jllOlect the sccudty of this MllItg;lgC, and the
performance of the covenants and agn~ements of BOI'rower herein contailled, and (h) tli!.! rcpaymcnt of any ('utilI!.! advances,
with inlcrest thereoll, made to Borrowcr by Lendcr pUlsu:mt. to paragr;Jph 21 hereof (hercin "Future Adv;Jlll..'CS"). Borrower
docs hereby mortgage, grant and convey to Lender the following, described plOpcrty 1000:atcd in the County of , " "" ," , , ,
, , , , , , , , , " ,q1,l\llP,~:r;+~pp' , , , , , , , . , , , , , , " COllllllonwcalth of PCllllsylvania:
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEING Lot No, 110 as shown on Plan No, 2 of Good Hope Terrace, as recorded in the
Recordertloffice of Cumberland County. Pennsylvania on the 19th day of November,
1954. in Plan Book 7. Page 6, and fronting 100 feet on the Western side of Terrace
Road and extending Westwardly 150 feot.
BEING THE SAME PREMISES which Robert S. Ru~ ~,Dolores J. Rutter, his wife,
by t!leir deed dated the -pf day of ((,...-/~, 1978, and about to be recorded
in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania,
granted anll conveyed unto William H. Schneider and Dorothy E. Schneider, his wife,
Mortgago1's herein.
TOGETHER WITH THE RIGHT in the owners and occupie1'fl of Lots No. 109 and 110 in
common with the ownerfl and Occupierfl of Lots No. 9 and 10 in said plan to use the
20 feet wide strip betlfCen Lots No. 9 and 10 for ingrees, egrefls, and regress to
and from said lots or any of them and the Conodoquinet C1'eek.
UNDER AND SUBJECT to restrictions as contained in prior 1'eco1'ds.
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PLAINTIFFS
EXHIBIT
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HAVJJiG THEREON ERECTED a bi-1evel dwelling,
. !,elWsy~v",nia. 17055..
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Illf,t'lht'l With .ill llll' llllPW\'l'llll'nb nllw '" j,l.'ll';1i h'l Cll', Il'd till lhl' pi Olh'lty, allJ ..11 L';JSl'tIl~nIS, li~hlS, ;JppurtCl\;ml..'c~.
ll'nh, IO)'.:JllIt.'s, 1I111Il'I~I, 1111 ~1l\1 f,JS 11f,!lb JllJ plOjlt~, wall't, WJll." IIF,hh. alld WJ!I:I Slth'}.;, .:Jlld all thtules Ilnwm hereafter
:Ju~h.IiL'J III lill-' PIOllt'J ty, JII ,II \dill'h, Ilhludllle 1..'pIJ~'l"lIlClIb ;.lIId JddltlllllS thl.'lcln. ::,!i;,dl he dl'l'lIlCJ to !l<: :JllJ IClllaiu a p~H(
III Illl' PIOP('lty l'O\l'IL'J IIY Ilu:. M\lIlr,jO~, Jlld ,ill pi tIll' ltH~'fl\IIIV, ldfl'llll"l wllh ~J1J I'wpell)' (Ill Ihe 1c;I!.dlOlJ c~l:il( if 111I~
MOI1t: ~:c I~ ~lll J il';l'll'i1l.li~ii al~ ill'll'lJlld~'IIl'\i 111 J' lill" "PIOPl'IIY",
UllllmH" ~\.\h'IlJIlH Ihat B\lllll\n:l ~!o I.J\\luJlr 'l'I~,l'J llf Ihe nlJlr hl.'/f:hy t'OtlVl')l.'J lllIJ. hjJ~ the 1l1~hltu nlllllga.:c,
tlJIl1 ;lIid 1.1l:IH'Y tll," PJtlpnly. 1!lal lh,' Pltlpl'll) h Ullf.'ll. IJllIht'II.',l, ;lIlJ 1h.1l Bttllll\H'1 Will WJllallt and Jdclld gwcully the
111,11.' III lhe I I Up'.'l I)' .ff.llml ..dIIIJllll' Mn.! dl"lll.Uhh, ~IJIII('\ 111l.Jll) J,"~bl.1l101l!\.l'J~(JIll'lltll ul ll'lItlldtum lateJm if fl1.h(,'Jul~
\lll'II'\'plloll~ 1,\,u\'{'fJrl' 111 JII~ lillI' 1I1"UJ;HI,I' p~lh, ~ 1l1~,lJlllll' I ,'II.Jn\ ll\h'll"q III !Ill: I'lopnly.
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UNIFonM ('O\'FN\NTS, 1I0nowcr ami I.endcr covcnant and agrcc as follows:
I. rn}'lI1l'n' nf .'rlndlml Imd Infere"t, IInrrower shall pwmptly pay whcn dUl~ thc princip,ll of and interes.t 011 the
indchlcdnC'~..; c\'itlellccd hy Ihe NOll'. prepaymcnt anti late t.:hargco; ao; prtlvidl'd ill Ihe Noll'. ;llld the prilll.:ipal of and intl'rc..;1
0/1 any Puttlll' Advillll:eo; o;~'clll'cd hy Ihi" MOlIgllge.
2, 1,'111111.. fur Tnxfli nncl I lllill rlllll'l', SlIhjl'cl III applicahlc law tlf to a \\'rilll'l1 waiVl'r hy I.cnder. Borrnwc!' shall pay
10 I.entll'!' nil Ihe day 1ll11nlhly in\lalll11cllto; IIf prindpal anti il1l\..ll..... arc pa\'ahle IIIHIl'!' Ihe Note. lIt1lillhe- Nnlc i.. paid in filII.
a ~ll1Il (herein ..Ful1d....\ l'tl"al III (llll.twelfth o( the- Yl'arly 1:1\1'0; and ;,o;~l'~\Illl'I1'" nhich may allaill prilll it}' twer Ihi..
Mtlll~a,!~', .11111 gIIHI'HIIl'IlI\ tIll I Ill! Pltlpclly. if ,lilY. pitt... Illll'-l\~t'H[h 11[' \L',lIly I'Il'll1l11tll imI.1I111ll'1l1s. for ha/:ml ill'illlallL'C,
plm 1I11l'-lwc:lllh (If ~Tally Pll'lIlilllll Il\\tallllll'llt... hIT Il1nlll!a~~c ill...mann', II any, all;\o; Il'a...nl1ahly e~til11atl'd initially and from
lime 10 llllle h\' I t~l1dl"l" 011 the hasio; of :1\\e..."lllt'lllo; ;11111 hill... and ll'a'llllahk e..lill1all'o; Ihcrl'oL
The FlIIui... !ihall he hl'ltl in all in"lillllillll 11ll' depl,...ih Ill' :ICt"lllrnl'; clI which all' i"o;\II"ed (\1" guaranteed hy a Federal nr
...lale :ll!crH:)' tinl'lllding I.~~lldl'l' illl'lIt1n i... Sill'll all imlitlllionl I t'llllel ..h:1I1 ;lpply lhe FIII1I1..to pay !i;Jid laxco;. a",o;C~'illlel1ls,
illlitll"illlCC prcmilllm :Ind gml1l1d IL'ulo;, I cnde!' may 11l\lchargl' tor \11 hnldillg and "I'plyill!,! Illl' FlInd.... :lllal)'ling said accoullt.
or \'C1ifyill~ and l'(\I1lf1i1in~ "..it! ll!iW.....l11l.nl'i and hill.... III1!eo;... l_l'nder l';'~'''' lI11rl'l'wcr irlll'l'csl on the FUlul... alai applk:lhle Iilw
pl'rlllito; Lender 10 lIIake \11I:h a dlilrl--!c BCll'Io\\'l'l' alld I L'rHler l1la\' .1f.!Il'l' III \\'Iililll--! al the lime of execulion of Ihis
Mnrll--!a~l~ Ihat inll'Il,..1 on the Fuiitl... \hall he p:lid to Ullnnwl'r. alld Hille.... slIch agreement i... made or applicahlc law
requircs slIrh illlell''il In he paid. I_elideI' ..h:l1l11\l1 he It'qUill'd It, P;IY HOllower :II1Y inlere...t Ill' l'arnill!l'" on the FIlIH!o;, I.cndcl'
...hallgiw In IhllTowl'r, withollt charl--!e, all allll\1;\! act"cllllllillg Ill' Iht' 1-lInd... ...hllWill~ credits and debils 10 till' Fund" and the
)lUlpmc fill \\'hidlcadl dehil luthl' Fllnd... W,I~ Ill~lde, I Ill' j'und... ill I' pkdgcd a....adtliliullal securily for lhe SUl1\~ secured
hy lhis Mortgage,
If Ihe amount t,f Ihe FlIlHl..; held hy Lemll'l'. to~C'lhcr wilh Ihe fllllll'C monlhly in...lallmcnls. of Funds paynhle priM to
the duc dnlcs nf 1:IXC'i, nsseSSl1lcnts, insuranl'c prcmiullls alld ~I OIlIHllcnh:. shall eXl:ecd the :Illlol1nlrequiretlto pay said taxes.
.1s...c~smcnl~, insur:mcc premium... and ground rent..; as Ihl'Y fall duc. slll:h exec",s shall he. al Borrower's oplioll, either
promptly rcpaid to Borrowcr or crcdited III BIIITtlWCr on nwnlhl~' illst,dllllcnls of Funds. If the amount or the Funds
held hy Lender "hall not he sufficient to pay taxes, assessments. insllIance premiul11s anti ground renls as Ihey fall due.
IJorrllwcr shall pay to Lcnder allY amount nccessary In make "l' the defkil'ncy within .W days from thc date notice is Illlliled
hy I.ender tn Borrower rcqllc~liJlg paymellt Ihereof.
UplHl payment in filII of all slims sccured by Ihis r-.'fort~a!le, I.endcr shall promptly refllml 10 Uorro\l,.'er :my Fllnds
hcld by Lcnder. If under paragraph I K hel'(~of the Prnperly is sold Of the Property is olherwi<.;e acquired hy I.emler, Lender
shall i1llply. Ill' later Ihan immediately prior 1(1 the sale nr thl~ I'rnpcny m its. :lcquisitioll hy Lcnder. any Funds held hy
Lender "t lhc time of "ppJk,1Iion ,15 .1 crcd;t ngn;nsl Ihl' .slJnl~ ';('clJrcd hy ,his MOrlg,1g(',
3. Applk:ltiulI ur Paymen.s. Unlc..~ applit.:ahle law pnwidl's nlhl'rwi\l'. all payment... Ict"cived hy I.cndcr IIndcr the
N(llc and paragraph... I and 2 hereof shall he applicd hy I.entll'r flr\t ill paymcnt of amounts payahle In Lender by Borrower
lindeI' p:lragrllph 2 hercof, then to interest paYllhle on the Note. Ihen to the principalllf the Nole. and then to interest and
princip<ll on any FUlure Advances.
4. CharJ:l's; U('n~. Borrower !oihall pay alltaxc.... a"sl'S<,lllcnls. :li1d <Hher charges. fine... and impositions at1rihlllahle 10
lhe Propcrty \Vhit'h may attain a priorily over this Morlga~e. and lea...ehnltl payments. or ground rents., if any. in the manlier
provided under paragr:lph 2 hcreof or. if not paid in sllch manncr. hy Borrower making paymcnt. when OUC. directly to thc
payce thercof. Borrowcr shill! promplly furnish to Lender all noticcs of ilmounts duc under this paragraph. and in Ihe evcnt
Borrowcr shall make paymcnt dircl,tly. Borrower shall promptly flll'l1ish 10 Lender receipts evidencing sllch payments..
lJorrower sh:\1I pmmptly llischarge any lien which has priority over Ihi... Morlgage; providetl, lh:H Borrower ~hill1 not be
rcquired to discharge any stich licll Sf) IOllg a~ Borrower shill! ;If!Tce in wriling 10 lhe payment of Ihe ohligation secured by
slI.:.:h lien ill a manner acceptablc to Lender. I'r shall in ~o()d faith contc'il such lien hy. or llcfend enforccment of slIch lien in,
le~al proceeding... which operate to prevcnl thc enforccment of thc lien or forfciture of lhe ProperlY or :my part thereof.
5, 11D1:mllmmrnuce. Bl1Trowcr shall kcep the improvements unw exi~ting or hercafter erected on 1he ProperlY insured
OIgainst lo'i'" by firc. hazards included .....ithin Ihe lcrm "c\tcndcd covcragc", and sl1ch other hazllrds as Lender ma~' require
and in !luch amounls and for ~uch periods as Lcndcr may require; provided. that Lender shall nol require that the amount of
~lIch nwcr<lgc exceed tll:l! amounl of covcrage rcquired 10 pay the slIIm securcd hy Ihis Mortgage.
The insurance carrier providing the insllrnnt.'c shall he choscn hy lJorrower subject to approval hy Lender; providcd,
Il1al such npprO\'al ~hall not he unreasonahly wilhheld. All premium", on insurance policics shall be p3id in the manner
provided under pamgraph 2 hercof or, jf not paid in slIch manner. hy Borrower making payment, when due, directly to the
insurance l":lrricr.
All insllf:lI1cc policies and renc\'o'als thereof shall bc in form :lcceptahle 10 Lcnder :lnd ~hall include n standard mortgage
c1:IlI'iic in f.wnr of ;Hld in form :l<'Ccpl:lhlc 10 I ender, I ('lldl'r ..hall haw the righl 10 hold Ihe policics and renewals thereof.
:lnd Dorrowtr si1;l1l promplly (urni:\h to I.cnder all rcnewi11 notices. anti all receipts of raid premium..;. In (he event of lo~..;,
Borrowcr shall give promplnolice to Ihe insurance carrier ;lIld Lendcr, Lendcr may make prllof of loss if not made prolllpt!y
hy B\'rrowcr.
Unless Lender and Belflower o!hcr",i~e a~rC'e in ""riling. insuram'c pmcced'ii sh:tll he applied to restoration (If repair or
the Pwprrly d:lI11a/.'!,cll. prnvitlcd !iuch restoration or rl'pair is cconomically fca~ihle and the ~ecurity of this Mortgage i~
nol Iherchy impatlcd. If such fe<'!llI"<ltion or repair is nnt ct.'01lClrniGllly feasihle (lr if the security of this l\forlgagc would
he irnpaif(:d. Ihe insurancc proceed~ liol1:ill be applied to the sums secured hy lhis Morlgage. with the exccss, if any. paid
lollmltlwl'r. II the Property is alundol1cd hy Borrower, or if Borrower fails 10 respond 10 Lender within 30 days from the
d,lte nOlirc 1\ nL.tilcd by Lender ti\ Borrowe,. Ihat the inSl1t3t1CI' carrier oilers 10 settlc a claim for insurance benefils, Lcndcr
i\ :lUll,." ;7(:l! hl ('ollect :ll\d apply Ihc insm;H1l"c proceeds al Lcnder's oplinn either to restoration or repair of the Properly
or In thc ~umo; !ooccllled by thi~ Mortgage.
Unle,", Lendcr :wd BIllwwer olherwi!oic aglee in writing. any such npplit'ation of proceeds 10 principal !\hall not extend
t'l pnstrnlll' Ihe due llalc of the Il\t'nlhly in!oot;illmcnt!i refcfTed tn ill par;\~r:Jphs I :111d 2 hercof or change thc amounl 01
\ul"h I Il'iI;lll lIlen 10.;. If under paragraph I R hereM the PW(lCrty is ;ll'lJ.lIirC'd hy Lcmler. ,,11 righi, title and ir.terest of Borrower
in ;Hld 111 :Iny in\tII:1IH'c polil.ie... and in :lIld tn lhc plol'eeds. Ihc/cnf resulting from damage to the Properly prior to the 1iale
or acqui!,itll\n "hall P:ISS 10 Lender 10 Ihe C\I('1l1 of Ihe ~\IIns !.cClllcd hy this Motl~agf immediately prior tll touch 511le or
;H:q\li~i(ion.
6, Pn'M'I\nllnn nnd !\lalnh'nalll"(, of l'rnp('r1~: !-('o\('hlllll\,. ('undnrnlnlum"j Illanntd IJnU J>ndopmrn.., Borrowcr
!oh:"1 hC'fll111' Prnf"lC'l'ty in R('od Icpair and ..h311 nol commil wac,(c or pel mil imrairmcnt or dt"tcrioration or (he Property
and "hitH cOll1pl~' ....ilh Ihe pl(l\'i..inn~ t,f ,my Ica~e If tlm Mmll',agL' 1\ t'fl ;\ ka~elll'id, If thi~ Motlgage is on a unil in .a
l'1'lldol1lillll'llI Ilf a pl:tl1111.lf IUllt dl'\'l'Inpl1ll'nl. nnllt'lwt"r !-h:11I 1'1.'11('1111 :\11 01 Borwwer's ('hli~:ltil'n5 under the dc-c1aratir.n
"T covenanl.. l:ll';IIII1~ 1'1' ~\\\'ellllll~', lhl' l-nlldC'llllnirllll nr I'laf11ll'd twil dc\'Ch'pmclll. Ihe h)'"law~ ~nd rq.~lIlali(ln~ of the
1'(\Il\lllnl;IlHlIlI 01 pblHll';.i unit dc\'l'InprnC'lll. :llld ('on\lilllt~nl documcnl\;. If it cnn,lomin!um or pl:lnnrd IInil ttcvrl<,pment
lltkl I' l'\eCull'd h~. BOIIiHH" and ICl'tlllkd Il'~~l'[hcr \l,ltl\ 11m Mtlll~a~~t'. Ihl' uwrn:ml\ and agrC'('mcnt~ <~f ~uch rider
~hilll he rnco/pt\l:tlC'd Inl'" ,and ..hitll :tmcnd :Ilhl \Upplrl1lclll tilt' ((,\cI1;lnlo; :Ind ~1~,I{'l'l1ll'nls of ttw; MOllgagc a~ if lhe tiLter
~1('IC a part hClcof.
7. rroll"oion of I..t'ndu'" Srcutil". If (;NIl'U'("1 raa.. 10 Pl'lfl'lTlI Ihe ('(l\'C'nanh An,) 1I~fC'em("n1' <:onu;l1rd in Ihi,
MOlll!;If;I', "I' al ,Ill)' ;UIIIlI1 pf rl!(11C"Cttlllr ,... l'(111H1H'IKl'll ",!lith m;t1l'lially aOl'd.. I (,Illkr'~ ;nlclC'\1 in (he PJ<'ptny.
i~dt:~;:~~. !~~;: :~;~: h':~:!cd !:~, ~~l:n~:~! d:':,:,:;:ir:. i:~',~"'.'~!~~".'. ~.~'J~ ~;~d:'!~~':~l~:!!. :~r ;:n~~t:'~::~~!~!~ !'! r~~~~~~:~~~ ~~,:'!:"h'i~:: ::
hlllhllpl <H lh'u'lknl, lhC'l\ I endrt al I ("!llltl', ('r'I(\n, UPt'll nntl(t' 'l\ 1,\i1llO'-'('J. may malt !ollch arpcarancrs. di\hun.e \uch
\1101\ and talc s.tIlh ;HI'lln ll.. " nC'l'('''\al\ In ('!II!C'll I ('odr,'" II11t'1<.'''t. IIhhhtlnf.'. hul 1101 lim.lC'd In, d"htlnC'mrnt ClC
r("a"~'!lahlc ~t1"'fnq'.. kn and C"II~' ltj"'tl lilt' 1"'~rf'!I\ It, J1l;I~.e Ifp:HI\ )f It'lhkf It'quircl' rn"ffl!aIU~ ilHlHaU((' If. a
ltHIl!llwn 01 1l\;!l.lll~ lilt 1.\:111 ',CUlIt'" h~ Ihl\, ~kI1J';lrl'. B"IfIHAt'I t.h;dl PitY Ih<.' plr11lllllm Irqllllc-d It, mainUin fouch
InsUl;tn',~ ill <-1ft.(t HIlII! <,Illh ltnll:- "I., fhe H"!1I1!t:mrnl It'l 'dllh In\llIann' 1("I1I1111;llr\ III ",-c(lfdin(r ~Ith DOlnn_'cr', t.nd
I.ender's wriucn ,lgn:CI11CIII or i.IPplil.:ahlc law, BtllTllwcr ~h;dl pay Ihc allllHlIII of all morlc"gc insurance premiums in the
manlier provided under par.agrilph 2 hereof.
Any .amounts disbursed hy Lcnder PU'-'"II;Ul! 10 lhis pill'agrilph 7, wilh inlerest Ihercoll. ~h..1I hCl..'omc addilional
indchledncss of BOl'IllWer sl:curet! hy II1Is Mmlgage, lillIe,s BUInl\\'CI" ;llld I.ender ..gn.'c III olher terlll' of pilynwnl, sudl
allHHlIIls shall he payahle 1I111111 IItllicL' 1111111 Il'lhkr III I!tHrower ICllllc..ling paYlIIcIIIlllt.'rcllf, illId ..hall hear inlclest fllll11 the
dalc tlf dishllrsemclll ill Ihe rale payahlc lllllll limc III lilllc illl t1lllslilllllill~ prilll,:ipal ulIller Ihc NOh: IIl1le.., pa)'lIlent of
interesl at such ratc \\ould he ~Ilnll"q III appliL"ilhlc law, in whirh cvenl sHch ;II1HHlllls \hall hear inlerc...l at Ihe llighesl r;lle
perlllissihlc under llPplil.'ahle I ll\\' , NOlhing rtllll<tined ill Ihi, paragraph 7 shall rClluire Lender 10 incur allY e:\pcl\\e or Illh
any aClion hereunder,
8. IU!l'(lcl'lion, lender lIlilY l1l;tl..c i.lr C;lll\l' IiI hc In,ldL' Il'a"lilllahlc L'1I1ril:'i UpOll and imjlL'L'lllllh i.lf Ihc PlilpL'l'ly, jllllvilbl
Ihilll.elldcr ,hall gi\'i.~ Hlllrowcl' Ilillll'e prill!" Itl ;IIIY ~lh:1I ill"PI..'l.'llLllI \pcl'ifYlng rl'il\llllilhlc l';IlI\C therchn Iclall'd III Lcnlll'l's
inlcresl ill Illc PWJlCllY,
9, Condl'mnullulI, The pro.:cc(J.., of any award In claim fm danlilgcs, direcl or i..'oll'iequenlial. in ('.'Olllll'L"lioll wilh uny
COIH.JClIlIWlion llr other lil~il1g of Ihc Pwperly, tlI" pallthercllf, ill fill' l.'UIIVL')'ilnCe in liellllf l'tlrHlclIlllatillil. ille IlI.:I'clly assigncd
ilnd sh..1l he paid 10 Lcnder.
In Ihe event of a hll.d ttlking of the Propcrl)', lhe pro~ceds shall he applied 10 Ihe ..tuns set:lIl'cd hy Ihis Mortgage,
with lhe cxcess, if any, paillln Uornlwer, III the evenl of II pallial laking uf the Propel'lY, lInkss Borrower alld l.ender
otherwbe agree in \lailing, Ihere slwll be applicd tn the Sllllls sccured hy Ihis Mortgage such proportion tlf Ihe prucectl~
as is equal to thai pmporlioll \\'hkh the alllount of the sums sL'cllI"etl hy Ihis MortgHge illlllledialely prior the date of
laking: hl'ars (0 Ihc fail' market value of the Propl'l'lY immediatel}' prior to the dale of laking, wilh the balance of the proceeds
paid 10 Borrower.
If the Property is ahandoned hy Borrower. or if. aflcr lllltke hy I.ender 10 Borrower Ihat Ihe condemnor olTcrs to make
;In .lward or ~ettle a c!.lim for dall1i1gc~, UornlWel fails 10 n:~polld 10 I.ender wilhin 30 days after Ihe dale ~1I~h notice is
mailed\ Lender is alllhorized to collecl and apply llle pl'llceeds, at I.ender's oplion. either to rcsloration or repair of the
Propcrty or to the sums secured hy this l\torlgage,
Unless Lender and Borrower olherwise agree in wriling. any such Hpplication of proceeds to principal shall not extend
or poslpone Ihe due dale of the monthly installmenls rcfl~lTl..'d 10 in paragraphs I ilnd 2 hereof or l.'hange the amounl of
such inswlll11ents.
10. Borrower Nol Released. Extension of lhe lime for payment or modification of amortiz<lliol1 of the suns secured
hy this Mortg;igc granted hy Lender to any sllccessor in inleresl of Borrower shall nol llperale 10 release. in any manner,
the liability of the origin.ll Borrower and Borrnwer's Slll.'CCSSOfs in interest. Lender shall 110t be required to commence
proceedings against such SlIccessor or refuse to ex lend time for payment or otherwise modify amnrtizalion of the sums
sccured h>' this Mortgage hy reilson of .my demand made by the original Borrower and Borrower's successors in interest.
II. Forhcuranl'c by Lcndcr Not a \Vuh'cr. An~' forhearanl.'l.: hy I.end~r in exercising .Iny right or reOlcdy hercunder, or
otherwisc i1ll"orded by applicahle law, shall not he a waivl'r of or preclude the exercise of any slIch right or remedy,
The proeurcment of insuralKe or Ihe payment of taxes 01' other liens or charges by Lender shall not be a waiver of Lcnder's
right 10 aCl.:derate the malUrily of the indebtedness \Ci.:llrCO hy this MOr1gage,
12. Remedies CUlI1ulalh'c. All remedies provided in this Mortgage arc distinct and L:ulllulative to any other right or
remedy under this MOrlgage or afforded hy law or equity, and may he cxerci!\cd concurrcntly, independently Of successively,
13. Succcssors and Assigns Bound; Joint and SCH'ral l.ia~)ilitYi CUIHions, The covenants and agreements herein
conlained shall hind, and the rights hereunder shall inure 10, Ihe re!o>pcclive sllccessors and assigns of Lender .lUd Borrower,
subject to Ihe provisions of paragraph 17 hereof. All l.:ovcnanls and agrel~mcl1ts of Borrower shall he joinl and several.
The captions and headings of Ihe paragraphs of this Mortgage arc for convenience only and arc not to he uscd to
interpret or detine the provisions hereof.
14, Notice. Except for any nolice required undcr :Ipplicablc law 10 be given in another manner, (a) allY notice to
Borrower providcd for in lhis Mortgage shall he givcn hy mailing such notice by ccrlified mail addressed to Borrower at
Ihe Property Address or al such olher address .150 Borrowcr lllay design ale by nOlice 1\1 Lender as provided herein, and
(h) any notice 10 Lender shall he given by ceni1kd mail, I CIUfll receipl requestcd, to Lcnder's address slatl'd herein or to
such olher :lddress as Lender may design ale by notice 10 Borrowcr as provided herein. AllY notice provided for in this
Mortgage shall he deemed 10 have heen givcn 10 Borrower lll" Lender when ~ivcn in (he manner designated herein.
IS, IJniform MortJ,:ul:e; Go\'Crnin~ I.awi Se\'('r:lhiIUy. This form of mortgage combines uniform covenants for nationa.l
usc :md l1on-unifllrm covcnanl!\ with limitcd v'-Irialions hy jurisdiclion to constitule a uniform security instrument covering
real property. This MOrlgage Sh.ll! be g~lVerned by the law of the jurisdiclion in which the Property is loealed. In the
evenl th;lI ;IllY provision or c1au\c of this Mortgagc or the Nole c:ontlicts with <lpplicable law, such conllict shall not atfect
olher provisions of Ihis Mortg.lge or the N(,lIe "hich l.'an be givcn elTeet without the conflicting provision, and 10 this
end Ihe pro\'isi\Jn:-. ,if lh~ MlHtgagl' and thc Nole ;IIC dcdarcd III he sevcrtible,
16. Borrower's ['011)', Borrower shall he fllrni!o>hed il l'tlnformcd copy of the Note and of this Mortgage .It the time
~lf execution nr allef rccord;lIion hereof.
17. Tran!lor'..r or Ihe l)ropcr1n AnUllll)lion. If allllr any p.llt of Ihe Property or.m intere!'t therein is sold or Iransfern'c1
h>' ULllwwer wit!l{HIt !.cndel'll IHior wlillcll nlll..CIII. exdudillg ('-I) Illl' nC;llillll of .1 liell or clIl.:lIlHbralH.:e !o>lIhorllinatc to
this MIlrIg;lgc, (11) Ihe cl'l'ation of <I, pllrdlil\e Ilhlncy !o>l'cmilY inlerest for hOllSctllltd :.ippli;lIlC'cs, (c) a transfer hy dc\'isc,
dcscl'lIt ilr by (lpcr;llion of la'N upon the dcalh of a jl)int ICn;llllllr Cd) Ihe gr.lllt of .lllY leasehold interest of ihrcc years or less
nol containing an optilln 10 purchase, Lend~'r 111;1)', ;11 lcnder\ option, declare all Ihe !o>ums secured by Ihis Mortgage to be
illll\lL'dialcly due <llld paY;lhle, I.endcr !lh.i11 have w..dwd \Ilcll 11111;01'. to ael'clcralc if. prior to the sale 01 Iransfer, Lender
and the persnn 10 wholl1 the Pwpl'Jly j., hl be soh I or Ilansfl'lTed readl ;lgrccll1cl1t in writing thai Ihe I.:fl'Jil of SUdl person
is salisf.H:lory 10 Lt:nller ;lIId Ihal the intcl'l'\1 paYithk l'll Ihe Sluns sl'l.:IHcd hy thb Mortgage !o>hall he al !luch rail' as lender
~h;tll re'luest. If lellllL-r ha\ waived thl' l'Plillll to al'l'ckr,lle pmvidl'u in this p;lragl'aph 17, and jf Borrower'!. llUCCe~!lor in
inlerest ha... execulcJ a w('illl'n '-I!I!lUmpIIOn agrccllll'lJl .Jl'lL'!llcJ in ",riling hy I.cnder, Lender sllilll rch:asc Borrower from all
obligations under this MOrlg<lge and thc Nole,
If I.endcr eAcrdsC's SIKh opl;on 10 al'l..'ckr,llc, I.cnda ..Ii,.lI llIail Borrowcr noti\.':e of .Icl'cleraliol\ in al'cnrJance with
pal'<Igr'-lph 14 hereof. SlIlh 'lllli~c sh;lll PW\'hh.: ;1 j'l'llthll\1 tllll ks\ th;1l1 10 day\ from the dale Ihe IWlii..'c 'IS mailed within
\"ll1:h BIIl(~~wcr I11JY pay Ihe !o>L!lI\S lkd,Jll'd due, II BllllO\~l'l Llll.. It) pay slh.:h \llIl1S plioI' to the C\piralll.ln of l'IUL"h pl'riod,
LClhh:r m.IY, witlhHl1 fUrlhel" I'hlti.,:c or ~klllal1d 011 U~lll\I\\L'I. In\II~C ;Ill)' I l'l111:di~'s pCflllltled hy jl.Jr.tg: :Iph 1 H hereof.
NON.UNIIORM COHN"N'I S. Bl'l ftlWl'l ;llld Il'ndl'lltlllhl'f L"I1Yl.'ll;1I11 Jilt.!. agrcC' ;IS follow~:
HI. Al'l'('lerarion: Ih'lIll'di('!.. llpml Uunm,u'r',. f,It'a(h uf any ('on'nillll or a.:n'eml'ul or DorrO\H'r in Ihis !\for1i:.l.I:;(',
lndodini: the l'U'l'n.lllh. In Jla~ "twn till!' ~II~ !loUlIl,. M''''lHl'd II) Ihi, !\ttlrl!.:;I~r. l,l'ndu (Jriur 10 an-l'll'ration !Ioh~1 utail nolin'
lu Dorrmn'f a.. pnn id('d It)' UPlllkOlhh' 101" '1Inil) ill!.:: (II lilt. hn'Jdl; (21 I Ill' a("linn u'quhrd Iu ('Uf(' MH'h h,fiRhj (3) adak,
flue 1('!>It Ihan 30 dOll. fculII th.' d..11' Ih.' nut in' ;, IlIJih,t1 lu UUflu'Hr, h) ",hid. !loud, IlIt'OId. lUu,,1 ht' l'urfd; and (4) lhaC
faHun' '0 l'ure !Ioudl b'l'.uh un m bduH' 1I1l' dOlI(' 'IH'IUit'd ill 111(' uutir,,' IIIl1lll',.ull in .H'uh'ralion IIf Ihl' "um. ..('cured b)'
Ihi. ~turll:"~t'. foft'du.Ufl' h;t' judidal IHUH('dill!.: and ~JIt. IIf tIll' 1-lUlll,.tl. 'lhe nutke ,,1111.11 fur1hu inform UOrrOMrf C.r
Ihl' .i~ht 10 l'l'in!.l,jd.' Olftn OIl'nJ"'Olliull .H,d 1111' ,ja.:Il' 'n a....Of in Ih(' ItHt'l'lu"IUll' IHun'l'dil,!.: III(' nUIH'1i..h'un' ur .. ddault or
1I1l)' orhn dt'h"nu~ uf 8uult""" III Jln'I"It'fJlliun 10IId fUlI'lICII,uu'. I( Iht' blt'~('h i.. lIul nUl'd on uf Lu:fur., It~r dlllf ..pt'dfird
in 111(' IIhlin'. l.l'udl'l /III I.t'ndl'l'" Hlllilllt 11I11,\ llt-dall' .11 ullll\' \1111I' ~,,',ult'll II) Ihi" "torl~l.t!.:(' CO hl' illlull'"Uiddl dUf .nd
IH') Kilh' MilrlUul funit", lit'IIIMllli "'Hi IUJ) IUIl'l'ln".' tlth "OII~ac,,' II~' judid.t1 l'wn.'('dilll.:. I.l.ud.... ",h;11I bl' f:utitled to
,'ull('("f in !:.ud. l,roU'('diul.: aU npl'U\;('!l uf ('uln Imull" ilh luilill~, bul lIul limih'd In, n'Ol...ofUtMe ..lIurru',"\ fl'l.!t, and c:Olth of
dorUIII('nlarl c:\ idl'f1l't'. :.fHllrilid!l. .,,~,d litll' 1l'!ItlU...
19. UClrro,",u't. IUa.:hl hI "dnM.~lf. !\'l'Iv.IlIt~LI!idllll' Il'lld1.:r\ .!uTh'I..lllllll 1\1 Ita' "IIllI\ \l'~\IH'\! hy ltw, MOfI~.iJSC,
H\'lldV,l" ~h.dl 11;1\(.' thc Ilf!)l 1<1 h.l\l' .Jll~ pr",.l',lilif" !i'fllli 1,\ ll"lhJn III ~'lllllkl' Illl\ M.IIIl!..I!.'l' dl...,..."illmtll'lJ.;:.1 OI.ny lime
f .r,' ~ : It!
I .:)
.
prior 10 al leasl one hour prior to ,he commencemeol of biddillg at a sherill's sale or olber sale pursuallt '0 tbis Mortgage
if: (a) llorrower pays l.ellder all sums wbieb would be tben due under tbis Mortgage. the l'Me and ,nlles ,ecuring Puture
Advances, ir any, bad no aeceleralioll occurred; (bi nnrr"wer CI"C> all breaebes "I' allY "I her ,,)VCl""I1> "r agreemenlS
of Borrower c"ntained in Ihls Mortgage: (c) Borrnwer pa)', all re'I>nnable expen'es inellrr..1 hy Lender ,n enforcillg Ibe
covenanlS and agreemenl> of llorrower cnnlailled in Ihi, Morlgage ,"\d in enforcing l.emler's ,emedic, a' pmvided ill
paragrapb \& bereof. illdllding. blllllollimiled "', ",a,,,nab!e allorlley'> fec>; and (d) nn"owc, takc> ,"eb aetillll a' Lemler
may reas"nably re'l""e to assllre Ihat Ibe liell III' Ibis M"rtgage, lender'> illlerest ill the Property alld nn""",er's "bhgalinn
'0 pay tbe Slims >,ellred by Ihis Mortgage ,hall ,,"\Iill"e II11impa"ed. IIp''" ".dl paymenl a",r Cllre b)' Unrll'w,r. Ibis
Mnrtgage and Ibe nbligations secllred hCleby ,baU ,emaill ill rlln flllee and elfeet as if 110 acecleralilln had "cellrred.
20. Asslgnmenl of Rentst ApllOlnlmenl Ilf R,,'einr; I.endel' 11l1'ns.."llln. As addit","al seellrity herellnder, u""",,,er
berehy assigns III l.ender tbe rents nr the I'mpert)', provi<led Ibal nnnowe, sbaU. p,ior In a..derati,,,, IInder paragrapb \ &
hereof Ilr ahandonment of Ibe pmperty. have the righl I" collect amr relain ,"ch renl' as Ihey hec"me dlle amr I,ayable,
Upon accderalion IInder pa,agraph I & hereof or aha",\""l11ent nr Ihe property. l.emler, in per,on, hy IIgent or by
judicially appoinled receiver, shall be elllitled III enler IIp,,n. lake possession of IInd manage the Property and to collect
the renls of the Property ioclllding those pasl dlle. All ,cnl> collected by Lender or the reeciver shall be IIpplied first 10
pllyment of Ihe costs of mllnllgement "f the prope,ly IImr ellllection of rents. indllding. bill n,,1 limiled 10. ,eceiver'> fcc"
p,emillms on receiver's bonds alld reasonable allorney's fees, 110.1 then 10 Ihe Slims secllred by ,his Mortgage, l.ender and
the receiver shall he liable 10 "ccount only for those rents aClUally received.
21. !'ulure Advances. Upun re'l"esl of llo,rnwe,. Lender. al Lendel"s oplion prim 10 ,ele." of Ihis Mortgage, may
make Future Advances 10 llorrower. Such pOlure Advances, with interesl tbereon. shall be secured hy Ihis Mortgage when
evidenced by promissory notes stating that said nOleS arc secured hereby, At no lime shall the prineipar amount of the
indebtedness secured by this Morlgage. not induding sums adv,mced in aceordance herewilh 10 proteel Ihe securilY of Ihi;
Mortgage, exceed the original amount of the Note.
22. Release. Upon payment of all sums secured by this Mortgage, Lender shall dischllrge this Mortgage. withoul
charge to Borrower. Borrower shall pay all costs of recordation. if any.
23. Purchase Money Mortgage. If a\l or part of the sums secured by this MOrlgagc arc lent to 1I0rrower 10 acquire
title to the Property, this Mortgage is hereby dedared to be a purchase money mortgage.
-
IN WITNESS WHEREOF, Borrower has executed this Mortgage,
Witnesses:
, :1: f7::.. flu.0. i.. g v...{< .... .. ....
()./~, William H. sChnl!!:; , _Borrower
. -:----..\~ C "'~ \.'
..,.",.."",.".,',.,.," _~;:: t)'s~~~:;" N-.\-I-'0.'-". :":B~;r~~"r
COMMONWEALTU OF PENNSYLVANIA. . . . . . . ,111-~, . , , . , , . . , ' , , . , ,County 5S:
On Ihis, the"..,:?>.I. 0: ,day of.., &e,h~~"..",." '. 19.'7.~" before m~ .~9~?-?-'1'. ;P.~l?H'?".
. . . , . . , . . , . . . . . . . . , , . . the undersigned officer, personally appeared. Wp.,l.~1jltl, J.I, , ,S.cMll~9-!lF. !"-,l\a. , , . , , . ,
.Doro;th;y; .E. .Sclme.i.der, .vJ.s, ,wi,:('t;l"",."" ",.,.",'" ,..".",' ,known tn me (or satisfactorily
proven) 10 be the persone, , ,whose name,ll., , .l'-;t",e" ,subscribed to Ihe within instrumenl and acknowledged that
, , . . , :t;l1.e,Y. . . ,executed the same for the purposes herein contained,
IN WITNESS WUEREOF, I hereunto sel my hand and official seal.
:.....:
My Commission expires:
~ /1 ~'/')\l"'f)'\U
I:"), ).: ;: ..:
. . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . ., . .....~......... -', :. ~
NOTARY PUOLlC ~':. -f) , '. }"
My Com'lI;~~iun L)<i-'iH~~ ~"l'\ ""\'\'1 '6 1'J79 ~', (J t: t \) 11' ... 4,'
. ... . ..... .,............. .......,......../ .\....... . ..
lIaIH~Lur!J, Pu, Title orOtfltet (...Wllly 1:"~' ....' ,~
" ....... r,'.
ii ~-\j
I certify thaI the address of the
Mortgagee above-named is
234 Norlh Second Street
lIarrisburg, Pennsylvania
i_~;';i;i-~ Ad/~;:A~i;~i~~g:}.c.l~.'-":,.,,
(Space Below This line Rf:"rvlltd for lender and RftCordf:11
if?'" ;.- 0
o ;: S '"
P-S -
0 " Ii
p.., -, C ;l> "l1
ro III ~ "
PD'" - ~ Z -
'd ~ " ~
~?'b VI 0 (fl
,r..- .., ..J
8>+ .r:tJ ~' t"'"
RECORDH) in the Officc for R('CimJing of Dads in anl for l\1' - :J: 0 .,.,
) t,M vi (~/#/~t;-- ~ 3'-' lJ1. ;l> ~1Il 0
{?'0 .0 ;l- t'T1 . .
L ~ a-II i "(~ h ,t,"gage Book ;" .5-~' 0 ~ 0
No. o' , ~ Z t'T1 ~I - f'-t
l\1' .0 0 8 "r1
0'- "d .0 - ;l- " 0 ~ to f'""t-
C'J . .-. en 0
/73 de. ~.':':'~ Ol .,., (fl ;l- @ 3 ..J ~~
r-..... _ \l - Ul t"'"
f1) 1'V' L. 0
.J );.;&- ,t;~~ !HJ _# J\
\lltrllll my h..1nJ and scalofOJ{lCe this . .. -- ::0 n U'l ~ ~
Po '0 ;l- P
)//)tf"lL.t/ . ... C) - ~ '\J
08' ;l- < ~~
. 9.('..1 'l"J "1
Atl110 [).Jm;n; 19..-7. "1' .., -
~ '\J~~j~:' - z '" ~
-..... '"' 0 Cl
-\+- " :...., t Z (fl <:
.-' ,,~"'....~,) ,..,
,0:> ....
-'-, ( .~. II>
I' ,,,.
,1" .1.' (,I t<i~ {....-- '-'
.,
NOTE
us s4& . 599."Qo . . .. . , . , , , , . . ,
IlarTisbur~. PCIlI\~ylva"ia
.' ..' ". .' .,' " '.,',' -, , ' " " , ' '. ' ,'. '\ . . " \.
._....J.
.tJc4.. ,-?.1 , " . I<)]~,
FOR VALUE RECEIVED. the undersigned ("Borrower") promise(s) to pay First Fede"d Savings and Loan Association
of Harrisburg, a ~orporaliol1 organized and ~xisting under th~ laws of The United Statc:s of America. or order. the principal
sum of ,~C?:;"YY7Etgl;1'~, Tp:~~~?-!l!i ,~i y~, l'!~dr,ed, ,and, ,OO/lOO,-:-:-:7"~:-,-:-: ( ~~8,', ~~~.. 0.0 )-:-:-:-:-,-:-:-:7:1)0Ilars,
with interest on the unpaid principal balance from the date of this Note. until paid. at the rate of, , , 9~ 3/4, , , , , , , , , , , , ,
percent per annum. Principal and interest shall be payable at 234 North Second Street, Harrisburg, Pennsylvania. or such
other place as the Note holder may designate. in consecutive monthly installments of ~ql!-~,13).,I)<R:'!3P, ,~~y.-:~, , , ,
o"d 2'/100-------------~------ Ila s (US S4~2 21------------------..... tl fi t (I ) d f
'j"'t.... . . <i-- ............. . , . . . . . . . .. 0' r ~. ... . . . . . . . . . . . . . . . . . . . . . . . .J on lC Irs SI ay 0
each month beginning, , , , ;~ ,. , , , , , , , , , " 19 7~, "Such monthly installments shall continoe ontil the entire
indebtedness evidenced by tf . ote i~1 paid. exce t that any remaining indebtedness. if not SOOller paid, sh,,1I be due
, f 2003
and payable on the first (Ist) day 0 '" ." , , , , , , , , , , , , , , , , , ..
If any monthly installment under this Note is not paid when due and remains unpaid after a date specified by a no lice
to Borrower. the entire principal amount outstanding and accrued interest theron shall at once become due and payable at the
option of the Note holder. The date specified shall not be less than thirty days from the date such notice is mailed, The Note
holder may exercise this option to accelerate during any default by Borrower regardless of any prior forbearance, If suit is
brought to collect tltis Note. the Note holder shall be entitled to collect all reasonable costs and expenses of suit. including,
but not limited to, reasonable anorney's fees,
Borrower shall pay to the Note holder a late charge of four (4) percent of any monthly installment not received by the
Note holder within fifteen (IS) days after the installment is due,
Borrower may prepay the principal amount ootstanding in whole or in part. The Note holder may require that any
partial prepayments (i) be made on the date monthly inst"lIments are due and (ii) be in the amount of that part of one or
more monthly installments which would be applicable to principal. Any partial prepayment shall be applied against the
principal amount outstanding and shall not postpone the due d3te of any subsequent monthly installments or change the
amount of such installments. unless the Note holder $hall otherwise agree in writing.
Presentment, notice of dishonor. and protest arc hereby waived by all makers, sureties. guarantors and endorsers hereof.
111is Note shall be the joint and several obligation of all makers. sureties, guarantors and endorsers, and shall be binding upon
them and their successors and assigns.
Any notice to Borrower provided for in tltis Note shall be given by mailing such notice hy certified mail addressed
t" Borrower at the Property Address stated below. or to SUdl other address as Borrower may designate by notice to the Note
holder. Any notice to the Note holder shall he given by mailing such notice by certified mail, rellJrn receipt requested. tv the
Note hclder .3t the Jddr(':s~ ~tJlcd in the first paragr:Jph of tltis Note, or at such other address as may have been designated by
notice to Borrower.
The indebtedness evidenced by this Note is secured by ;1 Mortgage of even date herewith. and reference is made to the
Mortgage for rights as to acceleration of the indebtedness evidenced by this Note.
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William H. Schneider
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DorothY''F?js~iirieidE;r _....,'-'"' , .."..".""
L~t . iio,' 'pi~l~~ ~ . 2~f' i,'~ci.' H~p~ 'Te;~~e, -
(5242 Terrace Rd.). Hampden Twp.,
Cumberland. Co.... ,Fa....
(FXCC/lIC Original Only)
Pt-"I""T;' ~J.lrl'H
PLAINTIFI"S
EXHIBIT
A
PENNSYL VANIA , 104 l;lflldy 6J75 - FNMAiFHlMC U'''IFORM INSTRUMENT
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RICHARD C. RUBEN
GE:-:EHAL Cot:SSEL
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2:~:i i\orth Second Street. Harrisburg, P1\ 17101
(717) 2:lli.,I().1 \, exl. 2!llG ' FAX (717) 2:11.G18G
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HARRIS SAVINGS BANK,
PIli in tiff
IN THE COURT OF COMMON I'LEAS OF
CUMBERLAND COUNTY, I'ENNSYLV ANIA
v.
NO. 98- '7.J...&0
CIVIL TERM
WILLIAM H. SCHNEIDER lInd
DOROTHY E. SCHNEIDER,
Defendllnts
CIVIL ACTION " LAW
IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth
in the following pages, you must take action within twenty (20) days after this Complaint and
Notice are served, by entering a written appearance personally or by attorney and filing in writing
with the Court your defenses or objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you and a judgment may be entered against
you by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(7 17) 240-6200
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HARIUS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
.~ .-
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.'
v.
NO. 98-
CIVIL TERM
WILLIAM H, SCHNEIDER and
DOROTHY E. SCHNEIDER,
Defendants
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
COMPLAINT
AND NOW, comes Harris Savings Bank by and through its counsel, Richard C, Ruben,
Esquire and states the following in support of its Complaint:
I. The Plaintiff is Harris Savings Bank, a Corporation organized and existing under the laws
of the Commonwealth of Pennsylvania and having its principal place of business at Second and
Pine Streets, Harrisburg, Pennsylvania 17101.
2. The Defendants are WILLIAM H. SCHNEIDER and DOROTHY E. SCHNEIDER, adult
individuals whose last known addresses are 5007 Apache Drive, P,O. Box 1040, Mechanicsburg,
Pennsylvania 17055 for Mr. Schneider and 104 East Oakland Avenue, Columbus, Ohio 43201
and 107 McKcecurtain Road, Univcrsity Park, Pcnnsylvania 16802 for Mrs. Schneidcr.
3. Dcfendants on October 31, 1978 cntcrcd into a Mortgage loan indenturc with First Fcdcral
Savings and Loan Association now by acquisition, Harris Savings Bank, in the principal amount
of Forty Eight Thousand Fivc Hundrcd Dollars ($48,500.00), thc tcrms of which loan arc morc
spccifically
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..
evidenced and set forth in the Mortgage dated October 31, 1978, and recorded November 2,
1978, in the Cumberland County Recorder of Deeds Office in Mortgage Book 652, Page 173, a
copy of which is attached hereto and incorporated herein by reference as Exhibit "A" which
mortgage contains and is a lien upon the property situate at 5242 Terrace Road, Mechanicsburg,
Hampden Township, Cumberland County, Pennsylvania 17055,
4. A copy of the Note is attached hereto and incorporated herein as Exhibit "8"
5. Plaintiff, in consideration of the said Mortgage and Note advanced to William H.
Schneider and Dorothy E. Schneider the sum of Forty Eight Thousand Five Hundred Dollars
($48,500.00).
6. The premises subject to said mortgage is more specifically set forth in Exhibit "A",
7. Willianl H. Schneider and Dorothy E. Schneider are the sole owners of the said premises
securing said mortgage,
8. Said Mortgage has not been assigned in whole or in part by the Plaintiff herein.
9. That said Mortgage is in default because Defendants herein have failed to make the
following payments: payments of $588,16 for the months of May through December, 1998; latc
charges in the amount of $121.03.
10, The Plaintiff has given to the Defl:ndants written notice of intention to foreclose on said
Mortgage as required by law under Act 6, dated August 10, 1998,
11. The Plaintiff has given written notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated August 10, 1998,
>
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12. That due to Defendants' default the entire principal amount of Forty Eight Thousand Five
Hundred Dollars ($48,500.00) has bccome due and payable, together with interest at the current
rate of 9.75% per annum, reasonable legal fees for collection of said sum in accordance with the
tenns of said mortgage less such sums as have been paid on account of principal of the said
Mortgage and costs.
13. The Plaintiff believes and therefore avers that reasonable attorney's fees for collection of
the debt 1s $1,207.0(} r.nd that it will incur such amounts,
14. The Defendants are liable to the Plaintiff for interest at the current rate of 9.75% per
annum, late charges, property taxes and expenses as provided in the Mortgage documents that will
accrue until distribution by the Sheriff of Cumberland County, Pennsylvania, to be computed at
the time of judgment in these proceedings, in addition to the current balance,
15. The Defendants are liable to the Plaintiff for the following on said Mortgage loan:
a.
b.
c.
d.
e.
f.
g.
Principal
Interest to 12/1 5(98
Late charges to 12/15/1998
Escrow due
Search fees
Appraisal fees
Attorney's fees
$22,098.15
1,522,95
138.32
732.17
100,00
150.00
1.207.43
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TOTAL AMOUNT:
$ 2S.949.0~
16. The Plaintiff believes and therefore avers that the Defcndants arc not members of the
armed forces nor are they in the military service of the Unitcd States of Amcrica.
.' ,~
CORPORATE VERIFICATION
I, Stacy L. Armstrong, state that I am the Default Coordinator of Harris Savings Bank. the Plaintiff
herein, that I am authorized to make this affidavit on its behalf and that the facts set forth in the foregoing
Complaint are true upon my personal knowledge, information and belief.
I understand that my statements are made subject to 18 Pa. Cons, Stats, 94904 providing for criminal
penalties for unsworn falsification to authorities,
Date:
',)./J.l!1V
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Stacy L. Ar
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MORTGAGE
TillS MORTGAGE is Ill"de this, , , , " , , . , , :;;,,1, , , , , . , , , , , , ,day of , , , , , , , ,V~, , , ,
19 ,76" belweelllhe Mortgagor" ,Wl.lJ.~!llll, H., ,SclmQ~der, .o.nd, j)p,:r:othy, E. ,S~lmeid13;Z:. ,bi13, ,wif13.". ,"
. . . . . . .... ..,.. ,. .,. .. . ,...., (herein "Boil ower"). JlIlllhl'. Mmt~a~cc, First Fedclal Savings and I.oan Assodatioll or
lIalcishuq;, a cOIpOlalioll organizcll t1111l existing under the laws urThc Unilfd Slales or America, whose addlcss is :!.l.' Nnnh
Seconu Slreet I Harrisburg, Pennsylvania, (herein "Lender").
Where"s, no "ower is indebted to Lender in the principal SUIll ufli'or,ty,-,Eight ,Tho)J.lla.od, ;F,i. ve. Hu.ndrflp. ,a.nd
9p/~pp:-:-:-:-:-'<'~4~, 5P,q., 99);...,-:-:7:-:- Donors, which indehtedlless is evidenced hy norrow",,' uote of evell dale herewilh
(hereill "Nute"), providing fur Illonlhly inst"lIlllenlS rincip"1 "nd ill 'resl, wilh the halallce of Ihe indehledlless, if not
sooner p"id, due and payahle on , , . ,. . , , , , , , '" , , , , , . . , , , , , , . ,I, , , , , . , , , , , , , , , , , , , , , , , , , , , , . ,2003. '.
To Secure La Lender (:1) the repayment of the indebtedness evidenced by the Note, with interest thereon, the payment
of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mort~agc. and the
performance of the covenants and agreements of Borrower herein contained, and (h) the repayment of any future advances,
with interesl thereon, made to Borrower by Lender pursuanl,lo paragraph 21 hereof(herein "Fulure Advances"), Borrower
docs hereby mortgagc, grant and convey to Lender the following described propcrty locateo in the County of . . . , , , , . , , , ,
, , . , , , , , , , ,G\1!nP,~:;,l,~!l!lo . . , , , , , , . , , . , , " Commonwealth of I'ennsylv"ni":
ALL THAT CERTAIN lot or tract of' ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and describp.d as follows, to wit:
BEING Lot No. 110 as shown on Plan No. 2 of Good Hope Terrace, as recorded in the
Recortierl3office of CUmberland County, Pennsylvania on the 19th day of November,
1954, in Plan Book 7, Page 6, and fronting 100 feet on the Western side of Terrace
Road and extending Westwardly 150 feet.
BEING THE SAHE PRENISES which Robert S. Ru~~, Dolores J. Rutter, his wife,
by their deed dated the ">( day of ({/~, 1978, and about to be recorded
in the Reco1.'der of Deeds Office in and for Cumberland County, Pennsylvania,
granted anI! conveyed unto William H. Sclmeider and Dorothy E. Sclmeider, his wife,
Mortgagors herein.
TOGETHER WITH THE RIGHT in the owners and occupiers of Lots No. 109 and 110 in
common with the owners and Occupiers of Lots No. 9 and 10 in said plan to use the
20 feet wide strip between Lots No. 9 and 10 for ingrees, egress, and regress to
and from said lots or any of them and the Conodoquinet Creek.
UNDER AND SUBJECT to restrictions as contained in prior records.
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PLAINTIFFS
EXHIBIT
A
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HAvn~G THEREON ~TED a bi-level dwelling,
which h", Ih. "dJrm lIf . . . . . , . . ., , . .52142. .'retrap~. !l().aq .
ISun'tl
. ;P!?,I1l)f?Y~,V:3:I?~~1. . . .~ 7955. ".(IIt'It'in "PH11h'lty AddJl'~~ "I.
IS/iJtr'.mJ .~II' ('11,11'/
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Inr)'1
T01:1'lhef Willi all the illlpltlH'lIWnh 1l0W 01 bl'lc,dtt'l l'll'lh'\.lllllllh' plllprli)', .<111J aU C;JSl'lIH'nts, lI~hts, appultcnalll'('S,
lent!., IO)'Jltlt'S, JlI!lll'l..d, Ol! and f,Jl1o "thls and ploflts, "'ah'l, walel IlrhlS, and w;JICI slod~, and JIIlhIUI(S nuw 01 ht'Tl:aftcl
altat"hcJ hI the pwpclly, ~dl d WlllCh, Illl'iuum.: Il'pLhl'JJI\.'JllS ~11\J adJJtJ(lli~ ll1cll.:to, ~hal1 bl' dl'l'III('J io he ~lIId 1l'II1:Jll\ J '~;JII
llllllc JllOpl'lly (O\'l'Il'J hy llll~ Mlll!!:al:c;~mJ all {)j the fIlIIT1111lf., ((lft'llll" with said pwpcll)' (1I111Ic kascholJ c.'slatc if',lm
MollgJCC IS 011 a k.l~l'lltlldl all' hl'l"'lll Ich.'lll'J tll a~ lhl' "PlUpl'II~''',
Bllllt,.'W{'1 (1I\'l'!l~1ll1s Ihi.lt BlllllJ\\TI I:' lJ"'tlJl1y ~l'j~rd o~ tlte nLll(' !It'ld,)" (oll\'l'),tl.l iwd !I.u. Ihe IIg~lt to J1hlltt;~t:c.
j',I:ll1t anJ lOI1\'t.)' tile PIl)pl'lI~',lh:J\ I"~ PI\lpI'11Y h Ulll'I;\Ullll'('lC-J,OlIlJ IhJ! Blllll/Wel will w~IJJnl ;'IIJ ddcndgencl:.tlly lhe
1Itle 10 the I'IOPl'!ly OI~.a~m.t .J.I! d,mm ~llJ dt'1l1Jf'Hh, ~ul'J""l III ;IIlY Jl'\blJ1JOllS,l'd~t'ml'"!1I~ or fntlh.lInm listed Ill.;] 'IoL'hC'Jule
of (),Ct'pllOllS to (U\TIOlfl' In ,.!n~' 1II1r 11l~IIl;Hln' 1l()1l\. y n,~.tlll1ir IJ:u,Jn\ mlclnllllllll' PIi'Il{'Jt~i.
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UNIFORM ('o\'rN'^NTS, Borrower and I.ender covenanl ami :l)!rce as fo\ltlws;
1. Pnyment of Principal and Inrer(':'oil. Borrower shall pnlllll'lIy pay whell due thc principill of and interest 1m the
imlchteul1ess cvidel1ccll hy the Nute. prepayment nnd late char~c,> as pro....ided in Ihe Note, nnd the pdlH:ipal of iHld intclc"t
on any Future Advance" secured by this MOrlg"ge,
2. f;unds fur Tans ami Insurance. Subject to applic:lhll' law Ol' In a writtcn waiver hy I.('mtcr, l1orww....r shall pay
h'l I.cl1tler 111\ Ihe day Illllnthly ill"tnllmenls of principal alld illtCll'''t arl' payahle lImkr the Noll'. I1l\lilthl' Ntllt' i" p.litl ill full.
a ~1I11t (herein "Funds") equal to one."I,'clrth of the yearly I"XC"; and a""l''''illlenl'i whil:h lllay allain primilY 11\'1'1" thi'i
Mnrlg:lge. anll ground lents on the Property, if any. plm ilne.lwclfth llf yearly premiul11 inslallmenls fllr ha/attl i"...\lIant:e.
pili' IIne.lwL'l[lh o[ yeorly premillm in'lo\lmenls [or mortgage in,mance. ,f any, all '" reo,onably eslimaled initially and from
time 10 lime hy I.l'ndcr 011 the h:1Sis of assessmenls :Iml hill..; ami rc,l',oll:lhle C,,'il\liIIC'> thereof.
The Funds shall he held in all institution the deposit'i \11' :ll'C\ltlllls 01 whiL'h arc insured or !!uaranlcct! hy ;,1 Feder,,! or
slale :lgcncy CinclUtling Lender if Lender is such an instilution). l.ender 'ihall apply the Funds to pay said laxes. as'iessl11cIHs.
insurance premiums and ground rents, i.cndrf ;nay not ch:ngc for ~(.l holtling ami applying the Fllmls. :tnnl)'/ing snill accounl.
or verirying and compiling ,aid a"essmenlS oml hills, unJe" I.emler pays IInnower inleresl on Ihe Fumls o,al applicable law
permil' Lender to 1110ke snch a charge, Bunower and I.ender may agree in wriling 01 Ihe time of execution o[ Ihis
Mnrtgoge thaI inlerest on Ihe Fu'nds sha\l he paid 10 BOlTower. ami IInless such agreement is made or applicahle low
requires such interesl 10 he poid, I.ender sholl not be requi,",IIO pay Bonuwe' any interest or ea",iugs on Ihe Funds. l.emler
sha\1 give to Borrower. without ehorge. an ooouol accounting of the Fuods sl",wing credils a",1 debit, to the Fuod, aod Ihe
purpose I'm which eoch debit to the Funds was mode, The Funds arc pledged as odditional securily fm Ihc sums ,ecured
by tbis Morlgoge,
If the amount of the Funds held hy Lender. together wilh the future monthly installments of Fllllds payable prior to
the due Ui\lcs of taxes, assessments. insurance premiums :1I1d ground renls. shall exceed the :1I110UI11 rC4uired to flay sail1 taxes.
asc;e~stncl1ls. insur:mce premiums and ground rents as lhey fall duc. such excess shall he, at Borrowcr's ofllion. cilhcr
prnmptly repoid to Uorrower '" crediled 10 B,,,rower on monlhly installments or Fllnds, If Ihe omollnt of the Funds
held by Lender ,ha\l nol he sumcient 10 poy loxes, o"essmenls. iosllran,e preminms 0",1 grollnd rent' os they [all dlle,
Borrower shall pay 10 Lender :my amount necessary to make up the dcficiency within 30 days fr(lmthe date n01ice is mailed
hy I.ender to Borrower requesting p"yment thereof.
Upon paymenl in filII of a\l slims secured hy this Mmlgagc, I.e",ler sha\l promptly rdllnd to Ilorrnwer any F"",ls
held hy Le"der, If "nder p",agmpb I H bereor the Property i, sold or the Property is olherwi,e acq""e(1 hy Lender, 1.ender
shall apply. no 100er thon immediolcly prior 10 the sale of the Properly or it, ocqlli,ition hy 1.ender, any Fund, held hy
Lender OIt the time of application :lS a credit against the sums secured hy this Mortgage.
3. Applknliol1 or Payments. lIn1c..s applicahle Inw provides otherwise, :111 payments I"cl~ei....ed hy I.cnder ullder the
Note and paragraphs t and 2 hereof shall be applied by I.enuer first in payment of amounts pay"hle to Lemler hy Borrower
"nder pora~,"ph 2 hereof, then 10 inleresl poyoble on the NUle, then 10 the principol of Ihe Nole, a",1 Ih"" to interest and
principal on :ll1Y Future Advances,
4. Char~cs; Liens. Borrower shall pay all t;IXCS. a..ses~lllcllts and other charges. fines and impositions attrihutahle to
the Property which may attain a priority over this Mortgage. ilnd leasehold payments or grollnd rents. if any, in the manner
provi,lcd under paragroph 2 hereof or, ir not paid in such manner. hy Borr"wer making poymenl, when due. directly to tbe
payee thereof. Borrower shall promptly furnish to Lender allnoticcs of :nnotlnts due under lhis paragraph, and in the event
Borrowc-r shall make payment directly, Borrower shall promplly ftll'llish to I.emler receipts cvidencing 5\1ch p;tyments.
norrower ~hall promplly discharge any lien which h:1~ priority over this Mortgage; provhled, that Rnrrnwer shall not he
reqnired tn discharge any such lien so long as Borrower sholl agree in writing 10 Ihe paymenl of Ihe ohligoti"n secured hy
su.:h lien in "manner acceptable tn Lender, or sh:.,n in good faith cOllte,>1 slIch lien hy. or defend enforcement of slll~h lien in,
Iegol procecding' which opemle to prevent the enforceme,,, of Ihe lien or forfeilure of the Property m ony par' therenf.
5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the ProperlY insured
againstlos< hy fire, bOlards inclnded within the term "extended roveroge", ond s\lch olher hnard, as Lender 1l10Y require
anti in such alllounts ami for such periods as Lender may require; provided, Ih"t Lender shall not require tha~ the amount of
!itlch coverngc exceed (ha~ amount of co\'erage required to pay the stuns secured hy this Mortgage,
The insumnce corrier providing the insurance shall be chosen by Borrower suhject to approval hy 1.ender; provided.
tl\at such approvo' sball nol be unreasonably withheld, All premiums on insurance policies shall be paid in the manner
phwidcd \lndcr poragropb 2 bereor or, if not paid in such ",anneI', hy Borrower making payment, when due, directly to the
in'iumncc carrier.
All insurance policies and renewals rhere(l( shall he in (arm acceptahle to I.ender and shall include " ~tat\l.hlrd morlg:lgc
clause in favor of and in form acceplahle 10 Lender. Lender sl1,,1I have the right to hold the policies and renewals thereof,
anu Borrower shall prol1lplly furnish to Lender all renewal notices :lOll all receipts of paid premium.., In the event of loss.
Borrower shall give prompt notice to the jnsur"nce carrier and Lender. Lender may make proof of loss if not m~de promptly
hy Borrower.
Unles~ Lemler :.md Borrower otherwise agree in writing. insurance proceeds slHIlI be applied to restoration or repair (If
the ProperlY Ilamagetl, provided such restoration or repair is economically feasible and tile security of this Mortgage is
not lherelly impaired, If such resloration or repair is not economic:\l1y feasihle or if the security of this Mortgage WIlllld
be impaired. the insllrance proceeds sha\l he applied 10 the sums secured hy tbis Mortgage. with the excess, if any, paid
In Bouowcr. If the Properly is :lhandoned by Borrower, or if Borrower fails to respond 10 Lender within 30 days from the
dale notice is 11\:,lileo hy Lender In norrower 1hat lhe insurance carrier (lITem to settle a claim for insurance benefits, Lender
is :Iuthtlli,.cd hl collect and apply the insurance procC'eds at Lender's option either to restoration or repair of the Properly
or 10 the sums sccurct.l hy Ihis Mortgage,
Unlcs... I.ender and Borrower otherwise agree in writing. any such applic"lion o( proceeds to princip:l1 sh:11I n01 exlend
or p<lslpone the due date of the monlhly i"st:\lIments referred to in par:lr,r"ph,> 1 and 2 hereof or chanp.c the amollnt of
~tJd, instr.llments. II under pari\gla.ph I R hereof the PIOp<.'lty is O\CqllllCJ by Lender, all right, titte and inter('!;t of Bonnwer
in and to any IJ\!;ur;lI\l'c policies and in :mo to the proceeds ihereof ,esulting from damage to the Property prior 10 the sale
or nct!uisitwn llhall pass 10 Lender to the extent of the sums !<tecl.1red by this Mortgage immediately prior to ~uch sale or
:!.cquisitiol1.
6. Pruuulion lInd !\1aintcnan('f' or l'wptr1~': I.ta!othold\; Condotnlniunl!~t J'18nnrd Unll l>e\C'lopmC'n.5, Borrower
,,11:\11 keep the Propclly in good Icpair .:md sh:..lI not commil waste or permit impairment or deterioration of the Property
and !lhall cpmpl)' with the provisions of :\1\)' lease if thi.. Mortga~C' i... on a Ica!.chold, If thi" Mortgage is on :l IInit in :1
(:l'lOllomil1lllf11 Of :\ planned lmit I.kvclt'pnl('n1. n(lrrow~r !-oh:lll pctll'f111 :III of Bornw...er's obligations under 1he declaration
or covenants Cleating or' ~ovcrnil1f. 1hc l'onJominium (1f planned Hllil dc\'c1<'pmC'llt, thc by.law~ and rcgulation~ of the
n'nlll\mi"iuIH or planned unil tic\'r1Clf\mC'nt, ;11\0 cN\\tilllc-nl tl<l(,:wncnt... If a condominium or planned unit 1\c\'C'lopment
mlcr " c.\rcnted hy Borrower "Iltt f('\.'('IJl'd It'~elhcr with lhi... Morlp~C'. the covcnants and :tgretments of 'Ouch li<k-r
thall be in\.'orf\oratcJ JIllel and "h;ill Jl1ltnd ;\1\1.1 sllprk-mel~t lh(' (:o\'cllant\ and aglee-ments of lhis Morlgage a!; if ,he ridcr
wele 3 part herC'oi.
7. r,nlrflion of I.t'nd,..', S,.ulfily. H n(\ffO\l.'Cr fatl" to pt'lft',m (he Cl'i\lenant\ amt 3grr.ements contll.lIlea in .hi'\
Ml'It~lI~C'. (If it any atttl'U ('I rf('H:(,r'dI11p, tit; u'nHn('n(c-~1 "hi. h m:\I('li",lIy afh'cts Lcmkr', intere't in Ihe Pr'ClpcJlY.
indlldt!lJ!:, hul nt\l lunlled hI, C'l\llllC'nl domain. in,(,henq'. (nlk cnINt'tll\cnt, or ananl'!cl1lents (''If proc('rdirlEI. invol\'inJ: a
han\.rnrlO1 1.!t:ft'l.!rol, then t (,'~t1('f 31 I.t'nder'!lo or1inn, \11'1'11 nnlH:~ 1n I.ipl!w....el". rn~y male ftuch ~rrcarances.. ..1i"l'HII",e ~uch
Itum\ ::md 1&~(, weh ;Klil'n ao" it Ilr(e"MY tll rtnlC"~'t 1C"lhjn\. 1Il1('1C',t, indudin~, ~\ll not limltcd to. Ji,"'uoement (~(
fca~:,"lhlc )t1Nncy\ len and (nlt~' Ilpt\ll th~ 1''''pnlY !n tluJ.C' !('r~jt~,. H l.cndrr feqllilct! mortf,If':C in~ulln(e B." 3.
t:llfHt:tlC'n 01 f1lal.mf (he l<\:Hl ',U.'IC'lt by thl' Ml~n~:lr(', Ik1f(HHI ~hilll ray ,be plrmiums frqllirt'd to nuinuin tlJ,h
Inl\HlilOCt' in tl1'('(I unll1 ~.\I(,h time :,\'. lh~ r('I':lf(,!!lC'!~~ ((of ...udl inHH3nn' tnmin:ll('!t in 3ccordancc with U('lIf()wcr's. a.nd
l.ender's wrillen agreement or :IPplh:ahle law. Borrower shall pay the amounl of all mor1gage insurance premium's in Ihe
manner provided under parilgraph 2 hereof.
Any amollnts di'ihursed by Lender pur~tlanl In Ihis par:lgraph 7, wilh interest thereon, sll:111 he(:~lIl1C illJdili<lIwl
indchlcdncss of Borrower secured by Ihis MOrl~age, lJnle~s UOHower and Lender OIgree to olher terms of paymenl, such
amounls !o.hall he paYllhle IlpOll IHlIil..'e from Lentll" Itl Ihll'l'o\\'cr rCljllc..lillg payment thcreof. ;IIHI ...hall hear intcre...l fmlll the
dale of tlishnrserncllt at lhe nile payahle fmm time to time on OI11sl;anding prindpill under Ihe Note IInle..s paymenl of
interest ,II such rate would he cnnlralY III applic:lble law. in which evenl slIch lIl110unls shall be"r inlL'rc\1 ill Ihe highesl mil'
permissible under applic:lhle law. NUlhiU,t clllllained ill Ihi... par;lgraph 7 shall rC~luire Lender 10 incllr allY expense or lake
any action hereundcr.
8, InSI)cdion, I.elllkr 1ll00Y I1wl.e or calise 10 he IIl.ule I'easolwhle cnlries upon and insPl'cli'Il\\ of the Property, )llOvided
Ihat Lender shall give Hllrrower notice prior tll ,lilY Sill'll inspectioll !opccifying reasol1i1hle Cilll...e lhercfor rdaled 10 I.clllh:r's
inlerest in thc Property,
9, Condemnatiun. The procceds of ;lny award (II' L'lnim f\1r damages, direcl or cOllsequential, in cOllncction with ;Iny
condemnation or other taking of the Properly, or part thereof. or for conveyance inlicu of cOlldelllllalioil, are hcrehy ilssigncd
ami ,hall he paid III Lender.
In the event of a Intal taking of the ProperlY, Ihe proceed, ,hall he applied 10 rhe SInllS secured hy Ihis Mongage,
wilh (he excess, if ,lilY, paid h) Borruwcr, III thc cvcnt of a partial (;!king of the Property, unless Borrower and I.cnder
otherwise agree in writing, there shall be applied to Ihe sums se~urcd by this l\'lortgage sllch pmporlion of the proceeds
as is equal to Ihat proporlion whirh Ihe :llnounl of Ihe sums secured by this MOr1gage immediatel)' prior the date of
taking bears to Ihe fair market value of the Property immclli;IIl:ly prior 10 the date of HIking, with the balance of Ihe proceeds
paid 10 Borrower,
If the Property is ahandoned by Borrower, or if, after notice by l.ender to Borrower that the condemnor oITers to make
:1Il award or seith: a claim for damages, Borrower f:lils 10 respond to I.endcr within 30 days afler lhe oale such notice is
mailed, Lender is authorized to collect and apply the proceeds, at Lender's option, either to restoration or repair of the
ProperlY or to the sums secured by this Mortgage.
Unless l.ender and Borrower olherwisc agree in writing, any such appliciltion of proceeds 10 principal shall not extend
or postpone the due dale of the monthly installments referred to in paragraphs I and 2 hereof or dlange the <lmount of
sllch installments,
10. Borrower Not Released. Extension of the time for payment or modification of amortization of the ~uns secured
by this Mortgage granted by Lender to any successor in inleresl of Borrower shall not operOlte to rcle<lse, in any m:lIIner,
the Iiahility of Ihe original Borrower and Borrower's slIcces!o(lfS in intercst. Lender shall nol he required to commcnce
proceedings against sllch slIccessor or refuse to extend time for paymcnt or olhcrwise modify nmortization of the slims
secured by this Morlgage by reason of ;1I1Y demand made hy Ihe miginal Bormwer ;md Borrower's successors ill interest.
11. f1'nrbearanl'c by I.ender Not a Waiver. Any forhearance hy Lender in exercising any right or remedy hereumla, or
olherwise afforded by applicable law, shall nol he a waiver of or prcclude the 'l:xercise of any slIch right or remedy,
The procurement of insurance or Ihe payment or laxcs or other liens or chargcs by Lender shallnol be a waiver of I.ender's
right to accelerate the maturity of the indehledness secured by this Mortgage,
12. Remedies Cumulative. All remedies provided in this Mortgage are distinct and cumulative 10 any other right or
remedy under this Mortgage or afforded by law 01' cquity, and may he exercised concurrently, independenlly or sllccessively,
13. Successors .end Assigns Boundj Joint aud Sc\'Cral l.iabilily; Cup1ions, The covcnants :ll1d ;lgrecl1lcn:s herein
contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender :'lIld Borrower,
subject 10 the provisions of paragraph 17 hereof. All covelwnts and ;:Igreements of Borrower shall he joint and several.
The captions and headings of the paragraphs of this Mortgage arc for convenience only and arc not 10 be lIsed 10
interpret or define the provisions hereof.
14. Notice. Except for any notice required lindeI' applicable Jaw to be given in another manner, (OI) any notice to
Borrower provided for in Ihis Mortgage shall he given hy mailing slIl:h notice by certified mail addressed tn Borrower at
the Property Address or at stich other address as Borrower lll~IY designate by nOlice to I.ender ;IS provided herein, ami
(b) any notice 10 lender shall he given by certified mail, return n:ccipl requeslcd, to l.ender's address staled herein or to
such olher address as lender may designate hy notice to Borrower as provided herein, Any notice provided for in this
Mortgage shall he deemed to have been given to Borrower or I.ender when given in Ihe manner designated herein.
15. Uniform l\lol1gagej GovcrninJ: Law; Scu':-ability. This form of mortgage combines uniform covenants for oalional
use and non-uniform covenants with limited v:uiations by jurisdiction to (onstitute a uniform securily instrument covering
real properlY, This Mortg;tge sh:J.1l be governed hy the law of Ihe jurisdiction in which' the Property is located, In the
event that any provision or clause of this MOrlgage or the NOle connicts with applicable law, such conniel ~h;11l not :tffect
other provisions cf lhls Mortgage or thc Note: which can be given elicct wilhout the confllcllng provision, and to this
end lhe provisions of lhe Mortgage and the Note ,arc declared to be se\'crablc,
16. Borrower's Copy. Borrower shall be fllrnishcll a conformNl copy of the Note and of this Mortgage <.It the time
of eJ(ecution or aCler rel.:ordation hereof.
17, Tr.ms:fu of the Pruper1y; As:sulIIl)liun. If :lillll" any pall of the Pmperty or an interesl therein is sold or transfeucd
h>' Bllrrowa withlJut Lender's prior writtell l'~ll\SCIII, c.\duding (;:1) the creation of a lien or enl'ullIbralll'e suhonlin:ltc tn
this MOltg:lge, Cn) the creation of a pun:has.c mOlley s.ccmity inleresl for household appli~lnccs, (c) a lr.1llsfcr hy devise,
descent or by operation of law upon (he Lleath (If ~I jllinlll',nllnt or (d) the grant of any leilselwld inlerest of 111f(~e YC~lI.S or less
not containing an option to purchase, Lender may, at L(.'nder"s oplion. declare all Ihe sums securcd hy this MOr1g;lge to be
immediately due and rayablc. Lendcr shall have wOIiveLl sllch oplion 10 accclcr;alc if. prior 10 the sale or Iransfer, Lender
.Inll lhe pcrson to whom the Properly is III bc sold or trJl1slcned rcach agrecmcnt in wri!ing lhJt lhe credit of sudt person
is satisfal:tory 10 Lender and Ih:1I the intcrest p:lyahk l'l1 the bums secured by Ihis Mortgage sh;.;1I he at liilH:h rate .1S Lender
bh;tll requesl. If Lender has waived Ihe option 10 :lci.:c1cr;llc provided in this pJ(;lgraph 17, and if Borrower's bucceSllor in
intl'rcliit has exccutC'd a wriucn assumption ;:lgll'ClHcllt an:cpled in wriling hy Lender, Lcmler shall release Horrowcr from all
ohligations under this Mmlgage and the No:e,
If I.ender cxerdsC'!!. Mil h nptil'n 10 ~H:(,:clcr;lll', l,l'IHla \h;dl mail BOIlo\\'cr nolice of ac,clcraljoll in uCl:onJancc wilh
p.1r.1gf~ph 14 Iu,,'rcllr. Such Illllil'e \hall plll\'idc OA pL'liod of Illl( Ic!!... Ih;ul 10 dOl)'!. fll\1l1 the d.ltc the IlOlil'e is mailcd wilhin
whirh Ihlrrowcr mar P:lY the SIlIllS dcd~lIcd due, II Bi,lIIO\H'r Lith 10 pJY !o1H:h SIlIllS prior In lhe CXpirJlion of !lll\,..h period,
LClldc:r may, WillllHJt funha fHllu:e or dl'll1JIHI till Ih'll~lv.a, lll\'Ol..C :.IllY Il'llll'dies pcrlllltlC:ll by p:lr:lgraph IX hacof.
NON-UN II ORM CO\'l NA.N1S, Borrower ;:Hld 1(.'nJcr IUlIhcr (O\'tl1;11l1 ;wd agree.1S follows:
18, AHflt'r::lI'on; nt'mt'~lit'~, t 'pun UlIr,.u\H'f\ hn'.uh IIr 311)' c:lIHn~nt of 3grechlrnt of BOITU\H'f in thi~ Mortl::l1:(',
indudinl: Iht co\('nanb 10 p.l.) "ht'n due 311)' IoUfII\ !ot'nlu'd b)' Ihi!! Murla.:a~(', I.t'nder prior 10 Uit'nlrr.alion IIohi4J1 m."ilnofSn'
In Borro",l'r a~ Pfll\ idt'd II) ~lllllinlbh' law "Z:",t.ir~ iJlI.:: (I) tht' 11I1';uh: (2) Ill.. a(lion I('quirtd 10 nlU' "'I(.h brudl; 0) a dJlh',
nul IC!.!tIlhan 30 diolY'- rWIlI .ht dldt' Iht, UUllt-t' i.. IIlj,l;ih'll In UUIJU"U. It)' "hidl "lId1 lllrad, 1IIm.1 ht, t.ult'd; und (4) Ihal
hiluft' to l'UU' !loud. lnt'ad, on or bdort' Ihl' da't' '1Inifit'd in Ihe nUlin' mal rrutt In 3c:n'leulion uf rhl' IIoUIt'U, ..("("urrd b)'
Ihi~ l\hHtC"~'" ron,dubu,&.' It.' judidlll prun'('din~ and "OIh' Hr th(' l'roIH.'II). Tht nufk~ .h.liU fur1hn infurm UUJrU"tr (If
Iht, ri~hl to ,l'i,nlilh' a(h', :.uTth'rali'lI! Dud t'"" li!.::h. hI ..~..t'fl ill Iltt' ruu.dmurt' IlfOHt'diul: thl' IIUIH"i~h'IU'l' tlf .. dl'f.uuh or
Illl)' olhn dl'ftn"t' ul Hurru,""u 10 unduv,liulI land hm,'lluuur. It lht' h,..al" h nul ,,'uft'd 011 ur bl.forr Ih..- dlllt "I)..-dfird
in Ihl" nul In, l.C"ndn .It' __.,thln'!\. opt.un lit..) dnlah' ..n (If lilt, "11111.. ~l"t"ult'd II) Ihi!l !\1orlJ,:3J:t' lu hi' hruut'diald)' due Mud
Ila,\uMe "ilhnul fUllhl'1 dt'uulI.~1 .wd fHJl lult'du..~' Il1i.. 'IUIIC:I~(, II)' judid;al IlfnH('diu&:, 1,t'lIlJt'f ..h;aU he.. ('nlilkd (0
ntUt'U in !oluh ,nun't'diuh...1I nvnl"t"" u( fnlnlm,uh', illlludillt:. hul nut limih'd Iu, n.....mt:=.MC' allOlllt)'1Io (u"!). and cm,l.. vi
doC'uml'ul.;lll t',idl'uu, ah\IJa(h .nd lillt' rqw,t..,
19, Borro,",..f'" Hi,thl to RdU\.I:llt'. ~j\I\ol.llh~.l;.c:""II'I~'. J ~'lldCI\ ~H\'d~'I;IIH\n t't Ihl' ~lJrnll ,,'-"'111('11 h~' ltllS Motl&a,c.
Bl'UOW(:r ~hJl\ h<l\1.' 1LI.' rlrh11,' h~\( ,lilY rl'~dl'\!lllp hq'lHi In . rlldn III el<t (\1 j,.(' I tin. M(J:I.~a,;c l.lll,rt.HltiulIf:J ~t ~n}' lim('
(, r,') ~.j I , ;)
prior 10 at least one hour prior 10 thc commenccmcnt of bidding at a sheriff's sale or other sale pursuanl to this Mortgage
if: (a) Borrower pays Lender all sums which would be thcn due under this Mortg:lgc, the Note and notes securing Future
Advances, if any, had no accelennion occurrcd; (h) norrowcr cures all breaches of any othcr covenants or ilgrecrnCnlt
of Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lcnder in cnfon:ing the
covenants and agrecmcnts of llarrower containcd in this Mortgage :lnd in enforcing l.ender's remedies as provilled in
paragruph I H hereof, including, but not limitcd 10, reasnnahtc iltlorney's fecs; :lnd (d) Uurrower takes such action ilS Lender
may reasonably require to assure Ihat lhe lien of this Mortgage, I.ender's interest in the ProperlY ;lI1d Borrower's ohlig:llil111
to pay Ihe sums secured by this Mortgage shall COlllilllle ullimpaired. Upon such pllymcnt and curc by Borrower. this
t-.iorlgilge lll1d the nbligatiol1s sccured hereby shall rem:dn ill full force ;md clrcet as if 110 ilceclcratiol1 hall occurred.
20. AsslgnllH:1l1 ur Renbj AI'I)oin'm~1I1 of Ren.I\....rj tCllder In l>>ussc~\lon. As ;Hlditiol1al securilY hcreunder, Borrower
hereby assigns to Lender thc renls of lhe Property, provided thai Borrower shO-III. prim to ;1I;cc1cratiol1 undcr pilra~raph I to!
hereof or almndonl1lcllt of the Properly, Iw.vc the right 10 cullect illlll retain slIch rents as they hecome due and paY:lble.
l.1plHl acceleration under par:lgraph 1 K hereof or abalUJonl11cnt of the Property, l.emler, in person, by :tgent or by
judicially appointed n:cciver, shall be entitled to enler upon, take possession of :lnd manage the Property and to collect
(he renls of (he Property including those past utle. All rents collected by Lender or the receiver shall he applied first to
payment of the costs of managemenl of Ihe Properly and collection of rents, including, but not limited 10. rcccivcr's fccs,
premiums on receiver's bonus llnd reasonable anorney's fees, and then to the sums secured by lhis Mongage. l.ender and
the receiver shall be liable to account only for those rents actually received.
21. Future Advances. Upon relJuest of Borrower. Lemler, at Lender's option prior (0 release of this Mortgage, may
make Future Advances to Borrower. Such Future Advances, with interest thereon, shall be secured hy this Mortgage when
evidenced by promissory ootes staling Ihat said notes arc secured hereby, At no lime shall Ihc priocipal amount of the
indebtedness sccured by this Mortgagc, not including slims advanced in accordance herewith to protect the security of this
Mortgage, exceed the original amount of Ihe Note.
22. Release. Upon payment of all sums sccured by this Morlgagc, Lcnder shall discharge Ihis Mortgagc. wilhout
charge (0 Borrower. Dorrower shall pay all costs of recordation, if any.
23. Pur(h8.'.ic 1\10ney Mortgage. If all or part of the sums secured by this Mortgage are lent to Borrower tn acquire
litle to lhe Property, this Mortgage is hereby declared to be a purchase money mortgage.
IN WITNESS WHEREOF, Borrower has cxecuted this Mortgage,
Witness..s :
~~iH /~".HLHHHH
William H. SChn~" . -Bo"ower
.....',.,..',.., ,. ,.,."...' ::i:).,.~-d\.x. ,%.. ~~.<;~'N-.\.~\J..{, ",.'", ,
~:riOrothy USChneider -Do"ow.'
COMMONWEALTH OF PENNSYLVANIA, . . . . , . ,Jil,.~, , . , . . . . , , . . . , . .Counly ss:
On this, the. . . , . 2>.1. ~ ,day of. . . rleffl.'0-: , , , . . . , . . . " 19 ,7,~ " before me'!- ,I,1<?~!,-:r:y, .P.~1?~~~. , ,
th ders' d ffi r >, . Ily a d William H Sclmeider and
. . . . . . , . . . . . . . . . . . . . " e un .gne () ce. persona ppeare, , , , . , , , , , , , , , . . , . . , , , . , , , , , . . , , , , .
.Dorothy. .E. .Schnai.der. .11;i,s. ,wi.fe..."...."".,...,.,..,..,..... .koown to me (or salisfactorily
proven) to be the personS.. . whose name.S".. ..;r,~, ,subscribed to thc wilhin instrument and acknowledged .hal
. . . .. :tn.ey. . . .executcd the same for the purposes herein conlained,
:J~H
IN WITNESS WHEREOF, I hercunto set my hand and otficial scal.
.......
My Commission expires:
. "
<t /l ~'.<':,"'1r)"":"
~. _. _....J f:J. ).. : ,~,' ','
......~~.....,',.,',.,..,..,.,,!,.,.,.,....
l.,oo' . .
NOTARY PUfiUC ' ; -f I .: -.
My Com:nj~~ioll.[)(flil~\ ~l.fJh(,h\'1 2S, 1\179 (... ,{J lr I ,) I) .: ~;'
......... iial;i~h~;D: .~:... ~i~'~oi"'~~f1~t'C..:u;,~"" '/1:'-:~:'" ......,.
" ..~.... r. \-
ii ~-\J
I certify that the address of the
Mortgagee above-named is
234 Norlh Second Street
Harrisburg, Pennsylvania
i.~;';i; F. Aci/~;,'.4 ~l: ;i~~g;~~ ,c.l.r4.1 : . . , ,
(Space Salow This Line Ruervltd for lender and Recorder)
1CJ1 g> '" ~ t:l I
~ 0 ., ~
f P. 3 0 " ~~ I
p., -, c: > ":1
t1) /l1 ~ ::l
I:l 0 " ~ Z .... I
'd~ - ::n ~
~<I>~ VI 0 (fJ ~~
-=- >-l ~
~ 8..... ,CXl r'"
RECORDED in Ih. Of/ie. far Re<>"'ji/lg af Duds irl!.nd for . <1>' . ::c 0 ":1
- E t-' Ul ~~ t:!:
, > ?~.~ (?/'N''''7 f~ .0 ;I- > en . . II 0
.0 ::n 0
,tI/;" " "A ortgage Boo: t ..)~.....- Na, o. " ;>;l Z en ~~ .- ~
3 '" . :8 >3 ." 100
0'.. .'0 .... 0 > ::n 0 ., f-to-
<1>. t-' lJ) 0 I~ ~ ,
,le. 11 ......:g txl ":1 lJ) > [;3[;J 3 ~
1~V1 \..j I c Vl r'" tltl
, < / ~ N~,,,, 0 ~., -t'"
r:u~'o :;u <.r. "i h..
my h:md and sell/afOffiec this ,/ I/o) <.---- - I () ~W Ip ~
. ,.. C'l .... > . ~ ,j
eH.3' ;p < p.:[
) u L. ~ . 79"'''' I "'-..l
'/ /> ~" t ....f../ Anno [)"mmIl9'r; ll:" >-l .... Mo
.... Z Ul
__ ~'" '00 0 C'l
_.~ j.(, . 0: I
'\ -, .....,:.':) '\\ - ~:"': :..., z Vl ...'
.CD ", I
.::n' <1l
--:J / r::.,' I
/ ., '~(I . .
,,~(..,I'.' '\._ ~~
, ,.
NOTE
US $ M,599,.,qQ"", .""""".
II~rrishurg. PClIlI:>iylv:lnia
.,"gJ~,,3./
..., I') 7~.,
FOR VALUE RECEIVED,lhe undersigned ("Borrower") promisees) ro pay First Federal Savings and Loan Association
of Harrisburg, a corporalion organized and existing under tile laws of The United Stales of America, or order, the principal
sum of ,~9;-~:('7JjJ~gl,1~. ~.~u~~?: .lri Y!'l. .~'!ll~,e,q ,1;Ul?-, ,oo/~~~::::-:-:-,-,-::( ~~.8.'.~00.. ,0.0 ):-:-:-:-,-:::-:-1)ollars,
with interest on lhe unpaid principal balance from the dale of this Note, unlil paid, at the rate of, , ,9:-.3./4, , , . , , , , , , , , ,
percent per annum, Principal and interest shall be payable at 234 North Second Street, Harrisburg, Penllsylv:mia. or such
h I II N I I Id d,' . II' II f Four Hundred Thirty-Two
at er pace 3S . \e 0 C 10 er may cSlgnate, In consecutive mont 1 y msta ments 0 ..................... ,.....".
ond 21/' 00------------------ II (US s432 21------------------"'"1 tl Ii t (I t) d f
:-t.., . .. I!-............ . . . . . . . . . .. 0 ars . ,-. . .,. . . .. . . . . . . . . . . . . . . . ,/ on Ie Irs s ay 0
each month beginning, , , . .\ . " , , , , . , , , , ., 19 7~, .. Such monthly installments shall conlinue until the entire
indebtedness evidenced by II ole i~paid, exceJ't.~h~t any remaining indebtedness, if not sooner paid, shall he due
and payable on the first (1st) day of. ,0, ~...... ?~.o~,
If any monthly installment under this Note is not paid when due and remains unpaid after a date specified by a nOlice
to Borrower, the entire principal amount outstanding and accrued interest theron shall at once become due and payable at the
option of the Note holder. The date specified shall not be less than thirty days from the date such no,ice is mailed. The Note
holder may exercise this option to accelerate during any default by Borrower regardless of any prior forbearance, If suit is
brought to collect tltis Note, the Note holder shall be entitled to collect all reasonable costs and expenses of suit, including,
but not limited to, reasonable attorney's fees,
Borrower shall pay to the Note holder a late charge of foor (4) percent of any monthly installment not received by the
Note holder within fifteen (15) days after the installment is due,
Borrower may prepay the principal amount outstanding in whole or in part. The Note holder may require that any
partial prepayments (i) be made on the date monthly installments arc due and (il) be in the amount of that part of one or
more montltiy installments which would be applicable to principal. Any partial prepayment shall be applied against the
principal amount outstanding and shall not postpone the due date of any subsequent monthly installments or change the
amount of such installments, unless the Note holder $hall otherwise agree in writing.
Presentment, notice of dishonor, and protest are hereby waived by all makers, sureties, guarantors and endorsers hereof.
This Note shall be the joint and several obligation of all makers, sureties, guarantors and endorsers, and shall be binding upon
them and their successors and assigns.
Any notice to Borrower provided for in tltis Note shall be given by mailing such notice by certified mail addressed
to Borrower at the Property Address stated below, or to such other address as Borrower may designate by notice to the Note
holder. Any notice to the Note holder shall be given by mailing such notice by certified mail, return receipt requested, 10 lhe
Note holder at the address stated in the first paragraph of this Note, or at such other address as may have heen designated by
notice to Borrower.
TIle indebtedness evidenced by this Note is secured by a Mortgage of even date herewith, and reference is made to lhe
Mortgage for rights as to acceleration of the indebtedness evidenced by this Note.
~2f7~;T/~
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William H. Schneider
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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . , . . .
Lot 110, Plan No. 2 of Good Hope Terrace,
(5242 Terrace Rd.), Hampden Twp.,
CumberL.'Uld.Co..., ,Pa., ,. ,.. .,.... ..,.,...
. .,......................,................,
(Fxmile Original Only)
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PLAINT! FF'S
EXHIBIT
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PENNSYLVANIA , '04 '"m"v (;17'>.. FNMAiFHlMC UNIFORM IN5TRUM[tlT
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HARRIS SAVINGS BANK,
l'laintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
"
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'.
v.
NO. 98-7260
CIVIL TERM
WILLIAM H. SCHNEIDER and
DOROTHY E. SCHNEIDER,
Defendants
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
PRAECIPE TO REINSTATE COMPLAINT
TO: PROTHONOTARY
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
Please reinstate the Complaint in Mortgage Foreclosure filed December 24, ! 998. to the
above captioned term and number. It is over 30 days since date filed and service has not been
accomplished on Defendant Dorothy E. Schneider.
Date:~/ 07~h 'I
I
Respectfully submitted,
.-;~~/'
B ///f'(. / / ;;Y'// .
Y /. / /. I
Richard C. Ruhcn, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg. PA 17101
(717) 236-4041
LD. #27767
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HARRIS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON I'LEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
.....
.. '. .' . ., " , . '. ' "\ ,.' . " "', " ' . . ~ '. , " . \ ','
.. ~ .~
v.
NO. 98-7260
CIVIL TERM
WILLIAM H. SCHNEIDER and
DOROTHY E. SCHNEIDER,
Defendants
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
PRAECIPE TO DISCONTINUE
TO: CUMBERLAND COUNTY COURTHOUSE
ATTN:PROTHONOTARY
ONE COURTHOUSE SQUARE
CARLISLE, P A 17013
Please discontinue without prejudice any further action to the above docketed term and
number. Defendants have paid their account in full.
Date: dhl/?tJ
I i I
Respectfully submitted,
" /'.,
///;// ( /
By //. .' . ( '-...
Richard C. Ruben, General Counsel
Harris Savings Bank
235 North Second Street
P. O. Box 1711
Harrisburg, PAm 05-1711
(717) 909-2916
1..0. #27767
c: William H. Schneider
Dorothy E. Schneider
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