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Home My WebLink About00-05222 " KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : CIVIL ACTION -LAW MICHAEL R. MUSSER Defendant : CIVIL TERM 2000- S ~~ iw:.-I 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 WITIllN TWENTY (20) DAYS AFTER TIlE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO TIlE 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 TIlE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN TIlE COMPLAINT OR FOR ANY OTIlER CLAIM OR RELIEF REQUESTED BY TIlE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTIlER RIGHTS IMPORTANT TO YOu. YOU SHOULD TAKE TmS 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 BAR ASSOCIATION 2 LmERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 ';.J~..,."~""",,,,_~~~.' , I ~ , ~~ ~-~" ~~"','-, KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW MICHAEL R. MUSSER Defendant CIVIL TERM 2000- -5'.2.2.2 ~ t;.u- COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., formerly 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 Keystone Financial Bank, N.A., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at P.O. Box 1384 Pottsville, Pennsylvania 17901. 2. Defendant, MICHAEL R. MUSSER, an adult individual, resides at 40 S. Peny Street, Elizabethtown, Lancaster County, Pennsylvania, 17022. 3. On or about June 3,1999, Defendant made, executed and delivered to Plaintiff a note and security agreement financing Twelve Thousand Four Hundred Forty-six and 68/100 DoHars ($12,446.68), a copy of said note and security agreement being attached hereto as Exhibit "A" , respectively, and is incorporated herein by reference as though fully set forth. 4. Said note and said security agreement have not been assigned. 5. Said note and security agreement is in default because Defendant herein has failed to pay the payments that were due and owing for the months of May 2000, June 2000, and July 2000. -'~' ,~ . " IIIlIl_al,,: 6. By reason of the aforesaid default, the entire balance of Twelve Thousand Nineteen and 82/100 ($12,019.82) Dollars, with interest thereon at the rate of 10.99 % per annum computed from April 12,2000, along with late charges and attorneys fees now due and payable. 7. The Defendant is liable to the Plaintiff for the following on said loan: A. Principal amount and interest due to date aud including late charges $ 10,452.02 B. Attorney's Collection fee 1,567.80 TOTAL: $ 12,019.82 WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff and to order the foreclosure and sale of the mortgaged property and for the amount of Twelve Thousand Nineteen and 82/100 ($12,019.82) Dollars, together with interest thereon, costs and all other amounts advanced by Plaintiff. . un sqUlfe ttorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 I."""-"""-""""""",,..,,~ ~,."~,,~ < "~"I-If~), VERIFICATION I, Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone Financial Bank, NA, 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 IS Pa. C.S. Section 4904 relating to unsworn falsification to authorities. q) klV ack V. Hutchison Sr. Vice President Keystone Financial Bank, NA ~~~"'II~.~c",_ . %311t%H/. .""''''~'''~'. 9 (l - -~,~~.-\ It I4QTa MD SeC\lRlT'l AGMEMENT.Oatud Jiifi8 3, 1999 1~ i 36272920012 . SCJJ SIIPW~2='~m~~"?~[~r Tota> ""Or-1pal A.ml;>lJOl I 10,852.00 Amounl fln~~ced $ 12,446.68 "'moun! gwe<' to YO" di'~r-lly , /\mou'" paid on you, aCCOU~1 $ 0,00 ANNUAL PERceNTAGE RATE . fhaco&tolyourc.-edil aSil'yea'lyraIC. Amount Financed Th...Mlountolered.1 provided lO you M you'b(ll1l1ll NO~ 1I oy{j Total of Payments Theamoonlyouw'llhowepard alto' ~oo havll madll all &cl>odlli<ld paymnms FINANCE CHARGE The dollar emOOnlltle crod'l w,1I COST yo~ 10.990G\. $ 3,788.12 YOU! PlIymBnl SahOdullil wol1 tlG N~mbGr 01 p"ymerm; AmounJ rn PlIjImBnls 12,446.68 16,234.80 e means lln ~~l,m$1~ .Who&n Payments A'e Due MOOthly. beg,nn,ng July 3, 1999 Amount paid to others on yllUr tJOOel1 TO pubhc<lfliCLa>s 6D . 270.58 SOC:lIrt1y:Youareg;vu,gaseCUflly,nW'l'$I,n, Blhegoods Of p".,al1y beltlll pucchased (btleldesctJpt,oooIOtherprQperly) To ,nsu.ancecampany $ 1,594,68 ~'l=ULTON BANK 4,240.00 ~~HEATMAN CREDIT UNION 4,D69.00 dolaull. any requ"od ropsymem '" lull ~~EARS , 2:,543.00 no Annual f'erconlago Rale. Aroounl F,nanced rmd Payroonl Schedule si,own above aro part 01 Ihia Note and Soou.ity Agr1!'ilm~nt (whioh ,s called the "Note") You are ~~. :::s~~~~~e~~l~~~ ~':e_srgns as "Bllfrnwer" or 'Oo-S,gner' be'ew, If more than one pa.son "gns tJelew, e1ldl 01 yoo woll be lJatJIe. separately and togelher. lor all y.on PROMISE T.o PAY US: KeySlone Flnrmclal Bank, N.A., One Keystone Plaza. HlIrtl$bll."'iJ, PA 17105,. or 10 OU' ",dM. al any 01 our olto'_o. the Amounl F,nanced. plus any prepa'(:l cha'Ges and ,nwesl as provided below. Ln the number rn equal mornhry payments shown in the Paymenl Schedule Payment& am due ~f\l~~ru~~I;~lhdu:a: ;;~'~~~d ~~h~ ~~f;~~t::.~~~ and on the same day 01 oach 10ttllW,nll month unt,1 we are paid 'n filii You may pay In' advance all or part $ilcU1fIy Agl'Olll'llt"l~ t,s sccunly lor 1M p.ompt paymen! 01 lhe SUIns you owe 0 AUTOMATIC PAYMENT: It yoo hSlie chosen to have your monthly paymenls and the proper pel1o.mance 01 your prom'so& ,n lhlS Note. yoo end all the automallcaliy deducled I.om your KQjlSIOOe Fmanclal Bank. N-A. Eleclr""'c "Co-Owne.s's,gnmg tJelow grant us- Checlling, Rssoorce Acoounl, FreG CheOklng or Class'c Checking and/or S8\llngs (>) a soounly mreresl ,n 1M lollow'"g personal property, and 'IS eou'pmOtll and Accoonl. yoor 'Ole.est ralo w,1I be redUced by .50%_ II lhe Bo"ow"r clOlles the acoo-sSOfJes check'ng andlor savings accounl, 0' II lI>e automat,c paymGnI autho"lat'on IS canceled at any t'me lor any 'eason. whelhar by the Bor[()Wer or the Lender. the .nleresl rate and paymGntw,1i revert back to the oontreclle.ms FUlng "- $ Late ChargB: If e paymer' 's not mado wlth,n l~ days of lIs duo dale, you w,ll be charged the lener of 3% of lho paymonl. 0' $25_00. bur rn np ev~1l w,1I1M 11110 che'ge tJo less then $10,00 Prepaymenl: Ityoo P&lO" early, yoowllI nor have to Day a p\!nalty See yoor corllraCl documents 10' any addlt,,,,,al ,nto'matlon IIboul nonpsymal1t. tlalOfe Ih~ acl1edulod. date. and prepevment relunds and P'l'flaltlea. 1. UNSECURED ,. trow fNffiREST is CHAffGEO: The Finance Charge conSistS onfy of 'nler&OI .mposad dally on lhe ourSlandmg balance nt the Amoum Financed allhe Annual Perconlaga Rille The Flnence Charge sl)own above was frgured by essuming lhal all payments were r_'lled on lhel~ due detes, II any payment is late. you mlJSl pay mO'e Finance Charge lhen IS sh(lWl1 becau811 of the addltionel interest ,mposod 11 yoo pay early, the Frnanoe Charge will be leas, The amounl nt lha 'ncrl!asa or dwease ,n Fmance Charge Will bo clue with the lasl paymenl. whrc:h w,lIl:1o modified to re~llCl Ihe aClual amount lhen due. . .. Our se<:\lruy ,ntereSI ,ncltJdos pMs. p'oPerty at MY later lime (n) a MOrlgage upon called "accoss,ons.'addodtothapl!11;onal ~l, ,. ,) il' ~ ~ f i:'; SET.OFF: The law gwos us a r>llhl 01 seHl1I In any 01 yoo' P'oPerly In 00' possess,on e1 eny ame. ,octudl!\g deposIt IICCQOtlls. This means thai. if YOll delauit we may elle'cLSo oor tight of s~.oll and apply any of your prQpeny rn Ol)r p:>ssess,oo, Inciudlfl\l depOS,1 I.K:C<>\Illts. fo the sums you owe on Ihls Nolo FLOOD INSURANCE, II chooked. n Insurance's reqwed against flood damage 10 ,mp.oved .eal p.operty 0' inrlbllehon'le Colleteral, All thl! property, wtl.ch sec~.es lhls NotG is called Ilia '.Collatoral" Ou' lights and yoo. .'i"nons'tJl"II~" regar<.bng allY pe's""el oroperty Collateral are provided "1111'S Secunly Agreemenl, whtch continue. on the 'IWerso side, Our "ghls ,n any real PROPERlY tNSURANCE: 11 lhiS Note is secured. !nsurance against phYSIcal propel1y Collateral are conlalned in Ihe Mortgage_ At ynur eKpllllSe, you will damage to 1he Collateral not In oor PPSMsslon '. 'eqUlred lor \lie lull lerm 01 th's cooperate and Join wllh us In sigmng and lihng documents /Ifld In lakrng eny Note. other steps wh,ch wG deem ne<:osstiti' to Pllrfecl maima,n pet1eclLon 01 and FLOOD INSURANCE AND PR.oPERTY INSURANCE MAY BE D8TAINED THROUGH sat,sf\; our secullty l{lterell' in I~e Coffale.al.' 'Am AGENJ. BROKER OR OTHER PERS0N OF YOUR CHOICE. See !nsu.arn:a In IF NO REAL OR PERSONAL PR.oPERTY IS IDENTIFIED ABOVE. THIS N.oTE IS SectIOn 2.4 01 lho Secunty Agreemenl OIl !he rever"" s,de. UNSECURED j~ ~ T 11 r ~ CREDIT INSURANCE IS NOT REQUIRED: Subject 10 acceptance by the Insure' named below. credll IMuranoe is aveilable throogh OS 10' tha tenn or this Note et the cost(s) shown _belOW. S'ngle Credil Ule and S,ngle Credit AOO10e01 & Hesllh (nsurance and S'ngle C'edjt I~volumary UnemploymGnt Inoorance are eVallable to any one Borrower s'gn'ng lor insuranoe below, JOlflt CredllLLlo Insurance's available 10 bQlh Borrowers s'gmng 10' such insurance bolow, No credit insu.ance will be p.ov,dad unless the .approprlate Slalement!s) 's "'glled by th" BorTllw,,'(Sj to ba insurod and Ihe cosls shown below a.e included in lI>e Amount Ftnanced By stgn,ng. you waiii-i>lngle Credil l,f.,lnsurenM.whlc!lcosts $.. .2~9.92 "'J-?~"'X/.{:"h<!'______ !l'gnal\1.e of Borrnwor 10 be Insured '0' S,ngle Cred'l Lte Insurance Whel 'S your age? 28 Yow; 'ay Slgn,nri. you";eni'SingleCredir Involuntary UnempioymGnllnsu.ance. wh'ch cosls $ 626,66 , /;;Jf:(.q:;-/,':7i"';~.r,,:.' \--" - Slgnalureol Borrower 10 be IllSuredlpr 'SlnglelnvoluntaryUnernpl[)}'tllent Insur~"'oe [By Slgn,n'g':yoli' want-SIngle C'edlt By sfgning-. you' both want joiniC.edii'Ufe 'Accidanlll. doe~h Insu'ance. which Insu.8I'Ice, which costs Whet a.e .cosrs $ 59lL 10 $ NIA your ages? "/d.(;%':__,,_(_A":::'-',~--,i1,. J8 Yeers. Signalureof Bo'rowerl0 be ,nsu,ed : :~~u~~: Cred~ Accidenl & Heolth _2. . _ _ _ _ Yeats; What 's yoor age? 28 Years :.!~J~~e~~i~~~al~~::::~e to be Insured tnsurer: UNI.oN !;ECt,lRl!'" lll'E lNS;U~CE_ CE;!MPANY"~nd AU~RI,~..!>E,!l.lll~!TI.J~y'~",S!'.._~~p'~NY.L,,!!I!1l,~'!IfIpn,_~ mE ADDITI.oNAL TERMS AND SECURITY AGREEMENT .oN THE SECOND PAGE ARE PART OF THIS NOTE BY SIGNtNG BEL.oW. YOU INTEND TO BE LEGAUY BOUND BY ALL OF THE TERMS .oF THIS NOTE, YOU ALSO ACKNOWLEDGE RECEIVING A COMPLETED C.OPY .oF THIS NOTE. /,~t~/;t' /,:~~ -I,'. L__ (SEAL) 4tL,$_ r.~BRl._$.T___ELnABn.flIQW_~_ _~_~ 1.1.0_2_2_ BOfrower's S'llnatu.e MICHAEL R MUSSER Addre&s (SEAL) Addr"';'~ 130"owe'.~ S'gn"'tu'... o NOTICE TO CO.SIGNER NOTICE TO CQ.SIGNER: You are being asked to guarantee this debt Think carefully before you do, If the Borrower doesn't pay the debl, you will have 10, Be sure you can atlordlo pay ilyou have to, ,and Ihal yOl.l want to accepl th isresponsibilily 'fou may have to pay up to the full amount or the debt if the Borrower does nO\ pay, You may also have to pay late fees or collection costs, which increase lhis amounl The Creditor can collect lhis debt Irom you without first trying to collect lrom the Bof1'OWtlr, The Credllor can use the same collection methods against you thai can be usad against the Borrower. such as suing you. etc. If this debt is ever in deraull, thai fact may bGCOme a part 01 your credit ,fjcord, CO.SIGNEI1'S SURElY AGREEMENT: YllU. 1.I'e person (or pa.sons) &Igr\ing as "Co-Signer' blllow. prorntge l<l pay to us, '" 10 oor ordtlr. the Amnunt Financ:ed. pillS' ~~;,~~ ~,~ ~~g~~~a~e;:';d~':~nVI?~~~k~h~NI~ 'i~Jt~~t~~r:~r~ =I~=~h~y p~~~a::l~ g~ ~e~i~ 9~a:el~~~~~~:~et~~~':::0 ag~~~D~e~i ~~u ~~~ i secl< ,rnm.mlete paymenlfrnm you wdhoui makt'lg any pnordemsnd for' p-aymen! upon lI>e Sn:'ower. YOl1 also acllnowledllll recalVlng a completed COpy 01 Ihls Note 11 o CO-S'gllf"'~ S'gnaHJrO Address ODlo- Co.S,gner'sSlgnatu.e AddleSS Oalo NOTICE: SEE SECOND PAGE FOR IMPORTANT INFORMATION Bclrfllwer. Copy I Ll!tIIder. Original NO-F "':;o:,~-C".;.co.-.:;-",o-:;:;"'Z"" . """""Y~,JI II ,'~ . II 36272!;12001~ "IORAEl R MUSSER ADDITIONAL TERMS NOTICE LATE CHAR.GE YOu a(jle<.l to pav a late charge ollnc Irn;sor 01 $25,00, Or ANY HOLDER OF THJS CONSUMER CREPfT C-oN'J'RACT IS SU9J.ECr ~% 01 !Ile paymp.n! amDW'i1. il any payllWlt 1& mn made wilhiil 15 dayS Of TO ALL ClAIMS AND DEFENSES WHICH THE DEBTOR COULl) ~s oue dale In no c~_ent w;!I the tate charge be las$ lhan $10 OQ No latl.l ASS - charge ""ill be {jue II Ihe reason lhe paymenl is late is a continUing ERT AGAINST THE SEl,t..aR 01':' GOODS OR SI;RVIC:Qs OBTAINED delinQuoncy on a prior payment or because, atltlr olil(ault, the onhr!l PURSUANT HERETO OR WITH THE PRQCEEDS HERI;QF, RECOVS,AV Oulstand'flg balaflCe becall\a dUG HEREUNDER BV THE DEBTOR SHALL NOT EXCEED AMOUNtS PAID WAIVER If we declare 11\1.1 unpaid balance 01 lhe Note aM eafnGO inlmeSt BY THE DeBrOR HEREUNDER. 10 be immediately due and payable, you waive your rights to reqUire (IS 10 doc9f1ainlh;ngs_Thoseth;ngsare RETURNED CHECK CHARGE )j you send us _a Ch,llCk or oHler It~m in <i) to demand payment 01 amounts due {known as "presentment"): payrr"",1 oj sums, you owe on lhls Note and that Item IS returned unpaid lor {Ii) to give nolice Ihat amounls due /lave flol !:lean paid (knOWfl as "nolK.O! any reason. we WIn Imposo a Return Ijam Foo 01 $1500 01 dishonor"): and l"Jo.f-AUl T The tollow;ng are each "Detaulls" (iii) to obtain an o";c;al certdlcation of nonpayment (lCJ1QWn as "prolest") (Ij You la~ 10 make any paymenl10 IJS OIl or be/ore the day ~ comes due; We ~alYe Ihe rlghl,JO Ireal any properly O!h?T lhan Jhe C~JlaleraJ ~ securiJy (,,) You provide uS w~h talsa inlormalion or s_gnatures at any lime: jor th~S Nole A :r-alver ot .any othe~.ol our fights under thIS Note will not be (;,,) 10U d,e or become legally incompelent; E:lHectl~eunless _liS In aSlgnedwribrlg '-'oj )ou do nol promptly and properly perlorm any 01 your prom;ses or NO NOTICE OR LOSS Qf' RIGHTS We can do any 01 the followi!)g withoul obHqet'I)I1', in lhis Note, the Security Agreement. the Mortgage or in toiling YOU or losmg any rights against YOlJ or the Collateral any Olher nOle Or agreement you now or Ia/er haoe w;th us: ti} "lccept a check or other order marked "paid in lull" or with s;milar (v) You cannot pay any 01 your debls as they coma due languape as a part;al paymem under lhls Note; ~VI) ff1e COffa(eraf EU lost stolen. damaged or d~troyed:, _ (H) give additional time for payment 01 any amount owing under this Note: (~1L) The Collateral IS sold, ttansl~rred, leased, given or de,lJl/ered, If1 whole (Hi) exarcise, give up or delay' exercis;ng any right against any person or or In PM, 10 a porson who IS 1101 a party to the Secur~y Agrelilmenl or property: ( ) ~orl!)3{/e. ... _", " (iv) add or reloa~eanyj)erson or propenv obligaled under this NOle; or VLll ,- rOC<1etMgs a~l) ...egun ""ocr t"e Ban~ruptGY Code by Or agaInst you. (oj 1011\ to proleCl O!' eotOrca our _nlecesl ;h any 01 the Colialeral (_x) Any IUQgmellt IS enle~ed 01 recOrd aual~st you: 0.'. RISK Of' LOSS: You will remain bound by this Note even II the Collateral is (x) Any 01 YOl.lr property IS attached or sublect to being fOrlelted /cs!, stolen. damilgedor d<1sIrcyed. DEFAULT AND REQUIRED PAYMENT IN FULL It any Delault occurs. wo BENEFIT AND BURDEN, All tha benefits 01 Ihis Note shall favor liS. our may. iT we choose. "accelerate" the maturity ot this Note This means we successors and assigns. The obligations shall bind YOU. and your heirs, may declarQ the entire remaining unpaid balance I}l Ihe Amount Finance_d personal mpre!lGnlalives and ass4lns. and earnod ;merwsl to be immediately due and payable HowevfJI. Il thiS NOTICES' Unloss othelWise required by ;aw, each demand or nOllce unQGr Notl) IS seCured by a Mortgage on reslden!ial real property Collateral, j/ this NOIe shall be deh~ered 01 sent by tElgular mail, addressed 10 the party reqUIred by iaw. we will first send you a timely notice, of lhe Oalaut'. at ~s, address as provldad in lhis Nole. Either party may change ils addless ad~'sing you of your right to cure the Dalat.l~ and 01 our Intention to take by gioing such a notice to the other party, Rea~onable helice, when notice action il you do not cure wilhinlhetime period providad in our nOllOO,llwe is required. shall be deemed to be 10 days lile an aclion lJ colloct amol.lnts in Default, you also agree 10 pay all olour WARRANTIES AND REPRESENTATIONS: YOU warrant and represent that the court coslS and our r6aSOll<lb1e allomeys' lees, 01 20'/1. oltlte amounf due (CoUa(etalJ ft1nds are obtained and wiiJ be used in connection with lawful Our right lo collact attorneys' lees may be limited during ally cure period activitie$, pursulls. endeavors. ventures or businesSes, and you will not,use provldad by law We WIll continue to impose interest daily on all sums owed the lunds (Collaleral) to viotate any law thaI could result ;n fortelture to \.JS allha rale provided in Jhis Nole lInlll we receive pavmenl in full even proceedings being mslill.iled IJ we have Obtained judgmenl aga;nst you You agree to plOmplly inform us 01 any proposed proceedings or aelua; MULTIPLE PARTIES 11 there is more than one BorrO-Ner on this Nole. or one pror,eeding whiCh WOUld subject the (Collaleral) ruMs to Jorte1ture lO any or more Co-Signers. ali 01 your obliga(ions sl1all be pn'mary, Each of you wiil govemmlmla! bodV be hable. sl:'paratuly and tOllether, fo, all of your promises ifl this Note LAW_ This Notlil will be go~erned by the laws ot the Commonwealth oj Pennsylvania.ul1less fodarallaws apply SECURITY AGREEMENT SECTION 1, LOAN AND COLLATERAL_ When you sign this NOle and pro~ided in this Note II you lail to honor your promises 10 maintail1 deliver Utous.andcompletathe other requIred details. we will make a loan Insurance in ellect. or \0 pay fiiing,IOOS. laxes or the costs necessary to 10 you ThiS Security Agreernent applies only :<'l personal property described keep the Collateral in good COndillon and repJir, we may, 11 we alone as Collateral on the front side of this Noto, As used in lhe following Seclions choose. advance any sums you promised to pay and oblaln replacemenl oJ lhis 5eClJrily AgreGmenl, "you. also inclJ.Jdes any Co-Owner of Jhe insurance However, any replacement ;nsurance we oblain to co~er loss or Collateral damage to the Collateral may ba limited to an amount not greater lhan what SECTION '2 YOUR OTHER AGREEMENTS you owe on this NOIe. Any. amoun~ .....e advance on your behall will be added to tha balance on which we Impose Finance Chargos al the Annual :> 1 OWN, SEU.. Ere "(ou own 100 eollalerallree aI"}d clea: of all/;efls a.nd Percentage Rate ot this Note and may be repayablo, (i) immediately upon secunty Enl!lmsls "(ou WlII ~ot (.ell. h,m~Jer. lease, {fIVe, deliver or othOlWlse demand; (Ii) along with yOU! monthly payments; or (Iii) at tha end of the "'. (!,,;pose OI.1he Collaleral, In whole or In part, 10 any., perso~ who IS nOl. a Nole, as we alo"(l may ~paci1y. Our payments on Vour oel1a1f witi n01 cure " ~~:s~Ototh~~ ~~~~~~d ~~\~l~m~~I\at:~ o~~~rnt~a~e;:' any hen or security your la11ure TO perfonn your promises in lhis Seeurily Agreement. ?:? MAINTA!NlNG THE CC)I \ ATERAt At YOUr cost. you will mainlain the 2,7 INSPEC!'ON You will permit us to inspect the Collateral at any C~'J;':;IOJaJ irJ good condition ilnd rClJ)ajr You will preserve I] agajnst loss or reasonable lime damage_ You will pay all laxes and olher charges on the Collateral You will SECTION 3, NO LOSS OF RIGHTS_ The Note and this Security Agreement 110t use the CollatGraT HlegallV or lor him ma, be nsgoliated. asslgned, e~tanded or renewed by us withoul releasing any 01 yOU or the Collateral. We may add or release any person or property 23 OEPOSlf ACCQUNfS Ij (he CClllateral <;t)f\!1isIS of a deposff accOUnl or obligated under lhe Note and this Secur~y Agreemant without losing our COl1ilieate o( depos]\. wo .'nay refuse to ,allow yOU to close. the <lccount o.r rlghlsinlheCollaleral wllhdraw an,y sum!! from It Il,ltle dep?slt accou.nl 0' cerlj~lcale ot depOSit SECTION 4, DEFAULT_ A Dalault under \he NOle will be a Default under this maJwas wll,le the NoI7' remains unpaid, ~e will au1oJm1t~y renew the security Agreement ln addition to aff lhe righ!s and remedies (rt' a secured dePOSit lor the satTle time peflod, as proVIded In the depOSit agreement, party lJpon defaull which are provided under the Unilorm Commercial Code. unless you anti we agree .that the deposit should b,e renews? on oth,e.- upon our declaring Ihe Nole to be immedialely due and payable lorm() Tho renewal depOSit shall be Collateral sublect 10 thES Sacurity o ? 4 INSURANCE While an:' sums are owed 011 this Nola, you will carry In~ura~c" on any Collateral which i$ not in our po~session against lire, thelt 8nd olher casually The policy musl conlam 8 deduclible clause and be m an amount a~d wlW, an in~u[er that are sal1slactory to liS, The policy must ~ame us as lhe "Ios,-payee. The pOlicy mllst plOvida that any loss is 10 be payable lO you and JO us as OlJr inleres1s i!lppear II must also provide that we be IJNo:<n not ;Gsslhan 10 dayspnorwritte~ nOlicool anycancellat;on or reduction 'n coverage Joral1y re~on Upon request. you shall deliver the pOlicies. certiflcale\; or olherevldence 01 insuranCe to us, In lhe ev onto! ;~y loss or damago 10 lhe Collateral. you will immediately notily us in '''''liI1O and hie a prool of lo~s With the inSUrer We may file a prool oj loss m your bOhalt II youiail or relu5e 10 do so We may alsosfgn your narreto "~--i dlock. draN or olhor order for (he paymenT of insurance proceeo's in Etl" eoenl of loss or damage 10 the CoHate,al )j it is economically leasible. '" our IwdgmGI1t. we will apply the ;nsurance proceeds 10 repair or replaCQ In.o, CoIIaleral Otherwise, we will apply !tlo prvceoo's io reduce the sums l-jlJOWO on thiS Nolo ;, 5 NOTING OUR SECURITY INTEREST JI a certiHcala oltille IS issued IN lho Collateral, you win assisl (ll; in having our seQ.(ri{y Inleresl OOIed on the c(!rt,ti(:aloot1ille ;; (, YOUR I\UTHORITY TO uS II you lalllo do whal is raquired of you by SecI,OT'lS ? 2, ? 4 and 25, wll may d we chaosG. p",rlorm )lour obligalions and pay ~uch cOSls and o><penses We will add Ille amounls we advallCe to lhe sums Ih,:, Borrower nwes on thIS NOle, o~ whiCh we lmpose Interest as 41 APPLICATION OF DEPOSITS, We may apply any deposits included in the Collateral against the sums the Borrower owes on this Note, If the CoIlalJ,/ral consists 01 a lime depcs~ or cerlilica/e 01 deposit we may terminate the depOSit belore maturity In order to real;ze on the Collaleral, II we terminate lhe dePOSIt. the contract 01 deposit or applicable law may reQUirethaJ We imposoSJ.Jbslanlialpenallies JorlheeartywilhdrawaL 4.2 SURRENDER OF COLLATERAL. We may require you to SlJrretlder the Collateral to us at a raasonably convenlellt place we designate -<13 PEACERJL REPOSSESSION, If you don't surrender the Collateral to us. we may lake possession 01 il. with or witllout legal process. inaccordanca w;th law You aulhotize us to peaceably anler upon any premises where the Coliateral may be locatetltor the purpose oJ taKing possession and ramOVing II 4,4 EXPENSES OF REPOSSESSJON AND STORAGE_ We may .;;haruf) y~u our reasonable expenses in repossessing, Iramportlng, repairing, storing and selling IheCoIlaleral so long as they areatiowedl)y\aw, 4,5 SA! E OF COLLATERAL. We may sell, assign or deli~er the Collateral at one or more pubfic or privatesafes_WewiUgiveyolJ reasonable notice of the limo and place 01 sala, We may purchase the Collateral allhal salG, Iree 01 any equitable or legal right or da;m you may have In tha Collateral We will apply the proceeds otsala tirsltooure>lpenses and Jhen 10 lho sum" the Borrower owos 011 this Note We wll! pay any surplus to you. II a sum is sllll owed to us, lhe 8Qf!ower and Co.Signer must pay it 10 us c NOTICE: seE FIRST PAGE FOR IMPORTANT INFORMATION Iloleb "-"-'~-'~~~. -'" , ;;; .'t . '{ ~ .-;" ~ it! 1; C /1 .' ,1 @ i% '* "! j ;; 1: --;, ~~ o ,,~ '-'1 .1.' , , } ~, , _ ~ J_ .-, ~- ~ SHERIFF'S RETURN - OUT OF COUNTY < CASE NO: 2000-05222 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK N A VS MUSSER MICHAEL R R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: MUSSER MICHAEL but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of LANCASTER County, Pennsylvania, to serve the within COMPLAINT & NOTICE On Auqust 7th , 2000 , this office was in receipt of the attached return from LANCASTER Sheriff's Costs: Docketing Out of County Surcharge Dep. Lancaster Co 18.00 9.00 10.00 42.20 .00 79.20 08/07/2000 DUNCAN & OTTO S~_ R. Thomas Kl in./--/--~- . Sheriff of Cumberland County Sworn and subscribed to before me this /'I~ day of ~ J-ovv A.D. ~Q~ ..ip1 prothonota~y @~_ ~~f:I,.d1.A~~~f.U-!liiI.'-';"""..-J ~MiliI~1IW.r> ~ '-'-'>-. ...... ~J i i , II II II II I II ~ ~ ,. .;;,;~-'-'tn~~"!!'l' mp_ '~~~ _"""~'0-0~'_'""",*'i!~_~~;I~~ilIiIfJ 'V"''"''f" ~ !l'f; j ~'f~_~'"#l><"""""~_<<J<ijOJii,"",,,,",,,",~If~~1l1f "'(I' ~'ii" ;'~4!!'tk,..,' " SHERIFF'S OFFICE SHERIFF SERVICE ,PROCESS RECEIPT, and AFFIDAVIT OF RETURN 1.,pLAfNTIFF/SI -' (~' ....,.. ?1!i~rJ~:t~ 2 COURT NUMBER 20-5222 Civil 4 TYPE OF WRfT OR COMPLAfNT: .. , . &::-Complani t 3 c:: Ul Ul :l'l ."-. 50 NORTH DUKE STREET, P.O. BOX 83480, LANCASTER, PENNSYLVANIA 17608-3480 . (717) 299-8200 .,:;: Ke stone Financial Bank, 3. DEFENDANT/S/ N.A. Ul n Michael R. Musser SERVE {5' NAME OF INDIVIDUAL. COMPANY, CORPORATION, ETC, TO BE SERVED. ~ Michael R. Musser ..,.,... 6. ADDRESS (Street or RFD, Apartment No., City, Bora, Twp., State and ZIP Code) AT 40 S. Perry St, Elizabethtown, PA 17022 7. INDICATE UNUSUAL SERVICE: Xl DEPUTIZE 0 OTHER cumoer .Lana Now, 7/27 /00 20 _ ,I, SHERIFF OF ~~lSUNTY,PA., d T.i'lnr.i'l" tp.r County to execute this ' to law, This deputation being made at the request and risk of the plaintiff. 8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEOITING SERVICE: :><: >-3 UNTY Cumberland '~., No,.E ONLY APPUCABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN - Any deputy sheriff levying upon or attaching any property under within writ may leave same without a watchman, in custody of whomever is found in possession, after notifying person of levy or attachment, without liability on the part of ,such deputy or the sheriff to any plaintiff herein for any loss, destruction or removal of any such property before sheriff's sale thereof. 9. SIGNATURE of ATTORNEY or other ORIGINATOR 10. TELEPHONE NUMBER 11. DATE 4 -7780 7 26 00 12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mailed). WILLIAM A. DUNCAN, ESQUIRE 1 IRVINE ROW CARLISLE, PA 17013 o ", . ,'-' "t"ili " 13.1 aCknowledge receipt of the writ l orcomplaintas indicated above. r · . .;;. :;.'::..;;!$)>"~Eiiaa:.awfl:~.IUsf!~!$aFiR. J;P.~"LY~ '9gJ'~T'~ltltf!:; NAME of Authorized LeSO Deputy or Clerk 14. Expiration/Hearing date DB AP 00 16. I hereby CERTIFY and RETURN that I ~ave personally served, 0 have legal 8111dence ot seNice as shown in ~R8marks", 0 halle executed as shown In. "Remarks", the writ orcomplaint described on the individual, company, corporation, etc., at the address shown above or on the individual, company, cor~ poration, etc., at the address inserted below by handing a TRUE and ATTESTED COpy thereof. 17. [J I hereby certify and return a NOT FOUND because I am unable to locate the individual, company, corporation, etc., named abolle. (See remarks belOw) 18. Name and title of individual served (if not shown above) (Relationship' to Defendant) 19. DNoServlce See Remarks Below (No. 30) 20. Address of where served (complete only if different than shown above) (Street orRFD,Apartment No., City, Bora, Twp. state and Zip Code) 21. Date of Service 22, Time 7/3f/DO {,.:35' .- PM ~ EDST 30. REMARKS: 23. ATTEMPTS 24. Advance Costs S.T.A.: e.fcH-c230fRG ~ /;/00 36 34. day of 37 MY COMMISSION EXPIRES 1. WHiTE - Issuing Authority 2. PINK - Attorney 3. CANARY - Sheriff's Office 4. BLUE - Sheriff's Office .:,:jHll~n\iV,),.;:'-i-(;;;_k1_" :/",. ..:v.,,- "Mi~__\.' kl""~1~iNrll~t".,'HiR;;1lmtlillji---:!if,l~bk,_~_"'-"i>,--"-,-,,k,,;",,,,*,~ :""1,;)~dJ~''''';'I~~>!w~!lJlOi'~~~g'ilf<!,k~iUlli',0.''',;&'-;i:.''~'''''!!'1h~'j~~li"''''',-;i/''''~Ii'''-.Jllil,''''~"'''''':~~~i'''W>'&1P<l,",;1>-~ll1!l[ ~ " '~A '1,: f, ,I ___' ~,_l It' " ,J' ill .M,'Ii.. ~'-r- ~, SH,ERIFF'S OFFICE ~ C ;j,; iA 50 NORTH DUKE STREET, P.O. BOX 83480, LANCASTER, PENNSYLVANIA 17608-3480 . (717) 299-8200 SHERIFF SERVICE PROCESS RECEIPT, and AFFIDAVIT OF RETURN 1, PLAINTIFF/SI ~ .~ Ke stan! Financial Bank, N.A. 3. OEFENDANT/SI MichaeL R. Musser SERVE f 5. NAME OF INDIVIDUAL, COMPANY. CORPORATION. ETC., TO BE 5ERVED. ~ Michael R. Musser "".' ". 6. ADDRESS (S',ee' or RFD, Apartmen' No., Cjty, Boro, Twp., State and ZIP Codel AT.... 40 S. Perry St, Eli"zj:lbetptow!l, FA 17022 7. INDICATit;UNUSUAl SERVICE:4:J DEPUTIZE 0 OTHER l:;uIlIbeL1dud N6w, 1/2 f / tJlJ ,20 ~ , I, SHERIFF OF e~MeeouNTYiPA.. do hereby deputize thl!Sneriff pf , . ,;Lancas tar, .' .",.. .. County to;,'ex:ecute this Wril/anc'Lmake retur~'thereof'according to law. This deputation being made at ihe request and risk of trie plaintiff. . '" ; SHERIFF OF~~UNTY 8. SPECIAL IN~TRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE: Cumbo ria nd ':~ t,li n " ,.. ,~ "..,. -';.-- NOiE ONLY APPLlCABLItO"N WRIT OF'-EXECUT'ION: N:B. WAIVER-OF WATCHMAN - Any deputy sheriff levying upon 'or attaching a,ll_V property under within writ may leave sam~,without a watchman, in custOdy of whQ;meve'ris found in,posse_ssion, after notJfying:person of levy or attachment, without liability on the part 9f ,sUCh'deputy or_:the sheriff to any plaintiff,herein for' any loss, destruction or removal ot any such property betore sheriU's sale thereof. 9. SIGNATURE of ATTORNEY or othe, ORIGINATOR 10. TELEPHONE NUMB~R J 1. QATE W LLIl\M A. DUNCAN ES UIRE CUMBERLAND CO 717- 249'-7-180' ;]'"2 GO- 12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mai1edt-' WILLIAM A. DUNCAN, ESQUIRE 1 IRVINE ROW CARLISLE, PA 17013 13. I aCknowledge recQ:ipr ot -the writ l (lr complaint as indicated above. r :$~~~!;BeL.ow..oa!USEof: SMERlf!fQtl.lY'=DQ,NO)'WRtTESl:IJOW :T:lIIS'li.INE NAME of Authorizetl LeSO 15eputy or Clerk 14. Date Received 15. DEBRAPANTANO 717-295-3609 Expiration/Hearing date 16. I hereby CERTIFY and RETURN that Iljjhave personally served, 0 have legal evidence of service as shown in "Remarks", 0 have executed as shown in "Remarks", the writ or complaint described on-the individual, comRany, cOJ;goration, etc., at the_address shown above oron the individual, company, cor- poration, etc., at the address _inserted below by h~nding a TRUE and ArreSTED COpy thereof. 17. [] I hereby certify a~d return a NOT FOUND.,beGause 1 am uria~le to locate the.individual,~company, corporation, elt., named above. (See remarks below) 18.' Name and title of individual served (if not ,shown above) (Relationship to Defendant) 19. ONoSeM~ See Remarks Below (No. 30) 20. Address of where served (complete only if different than shown above) (Street orRFO, ApsrtmentNo., City, Boro, Twp. State and Zip Cadet; 'I 21, Date of SelVice 22, Time 7/31 lev , '''; ~' 0";1,5 .,.",- Wr EDST S.TA: Dep.lnt. p,te Miles Dep. Int. 23. ATTEI.lPTS". "'1, ~'--""--....", 24. Advance Costs 2'6. otaryCert. 29. COST-DUE' R REFUND) ~ g ,~. ' <: 1 0 ..-..- 30. REMARKS: / jf. ....~ 0'5 ,< l" ~ . J'-"'- 1/,.."] C:;K... . C"'..........' ~ ~~ .. I I l: // /c;o . . I 31. ~o , / ~. 34'. day of --tt',! Prothonotary; MY COMMISSION EXPJRES 37. ,...-,,," ,. wtilTE - Issuing Authority, 2.' PINK. Attorney 3. CANARY - Sheriff's Office I 4. BLUE. Sheriff's Office ~ . ',' u" ><- , ~" ,- , ,. , ., .;f '$'- SttERIFF'S OFFICE 50 NORTH DUKE STREET, P.O. BOX 83480, LANCASTER. PENNSYLVANIA 17608-3480 . (717) 299-8200 '-, '" ;!;;::~JSiril~'iil < <,>,j>, 11?f~'t 11:Ull';"i: 2. COURT NUMBER 20~5222 Civil 4. TYPE OF WRIT OR COMPLAINT: '" C (Jl (Jl SHERIFF SERVICE PROCESS RECEIPT, and AFFIDAVIT OF RETURN 1. PLAINTIFF/Sf'- (Jl Cl Ke .tone Financial Bank. M.A. 3. DEFENDANT/S/ ~ >3 Michael. R.. Musser , u . . &,Complan-it SERVE {5' NAME O~ INDIVIDUAL. COMPANY. CORPORATION. ETC.. TO BE SERVED. ~. Michael R. Musser ..,. . '6. ADDRESS (Street or RFO, Apartme:"t No., ?~ty, B,ora, Twp.. State and ZIP Code) _ AT~' 40 S. Ferry St. El~z:abethtown. FA 17022 7.INDICATEUNUSUAl SERVICE;)b DEPUTIZE 0 OTHER lUffioerlana Nbw. 7/'27/ CU. ,20 _ . I, SHERIFF OF ~M~UNTYr PA.., dohereby deputize the Sheriff of . ,... .' l'''P'''''7'.te,r- . , ;. '., ~,., .. COUl1ty to}~X'llcl4te this .~rit.-and1m!l~e return thereoi'.a<:co'dirig to JaW, This'deputation being made atthereqllest and risk of.tl1e plaintiff. . SH"",",U~~"N" 8. SPECIAL INS.TRUCTIONSOR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE: Cumbe r land -~ " MO_lE ONL Y APPUCABL~ON WRIT OF EXECUTION: N.B. WAtVa.:..OF WA-TCH,..AN - 'Any deputy sheriff levying--i.\POO or attaching ai)Y'.property under within writ may leav,e samewithoul'a-watchman, in custody of Whomever is found in possession; afte(notifyin'g: person of levy or lllttachmenCwithout liability on 'the part of ' such deputy or'-the she'riff to any plaintiff herein for any'loss, destruction or removal of any such property befo're',sheritrs -sale thereof. ,', 9._ SIGNATURE of ATTORNEY or,.-other ORIGINATOR 10. TELEPHONE NUMBER 11. DATE LAM..D ESIRE B 12. SEND NOTICE OF SERVICE COPV TO NAME AND ADDRESS BELOW: e WILLIAM A. DUNCAN, ESQUIRE 1 IRVINE ROW CARLISLE, PA 17013 , . ,.'. 16. I hereby CER.TIFY-and R'ETURN_ that III have personally served, 0 have legal evidence of service as show-n in "Remarks", 0 have executed as shown in "Remarks", the writ,orcomplaint described on the individual, company,-corporation, etc., at the address shown above or on the individual, company, cor. poration, etc., at the address inserted below by handing a TRUE and A1TESTEtrCOPY thereof. , . 17.01 hereby certify and 'return-a NOT FO.U,ND, because I am ul'!~l;Ile to Iq.cate the,individJJ~l.I~.conipan~! corporati?n, ew., named above. (See remarks below) 18,. Name and title of individual served (if not shown above) (Relatlonship to Defendant) 19. ONoServlce see ReInark$ Beklw (No. SO} DEBRAPANT 13.1 acknowledge receipt of the writ t or complaint as indicated above. r 20. Address of where served (complete only if different than shown above) (Street orRFD,ApartmentNo., City, Bora, Twp. State and Zip Code!. 21. Date of Service 22, Time 7/31/Du (.,:35' -- -aT EOST 24, Advance Costs- Miles Dep.lnt. 36 Dep,lnt. 23. ATTEMPTS 30. REMARKS: ....,-, COST DUE ~R REFUND) 1 \I 0"..'...--/ . ,',) S.TA: ",",\'li'-t'h1'I'i_1 ",,,.,"" 1'14-'1 -;:..v'-', ':,1, ;:..v.: ''-'_\.,1 ':fI'" '",' ~ ',-- :..'" '." /. l (-~-:/ " "- , cr'cH ;233&6 9; //(0 (, ~\ .. :. ,,~- -. , , 31. AFFIRMED Ethdnsubscribed to be_fore me this ~~: :;I)~;~ ~' '() 34. day of ) 37 \ Flfp!hono aryl , MY COMMISSION EXPIRES-""'l' 1-.",,1""" ,. WHITE. Issuing Authority 2. PINK. Attorney 3. CANARY.. Sheriff's Office 4. BLUE. Sheriff's Office ",- '. ~. - ~"'-'- ~,,"-';~v~r"-'::"'l<.;' ,.-;;~........,,":<f;..,..~.. c,,1._ Y,--.,,;.-~ ".,,", .'-."',, .. . ^' - ~,^" " KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW MICHAEL R. MUSSER Defendant CIVIL TERM 2000-5222 PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: Enter judgment in favor of the plaintiff, Keystone Financial Bank, N.A. and against the defendan, Michael R. Musser, in the amount of$12,019.82, with interest at the rate of 10.99 percent per annum from April 12, 2000, together with attorney's fees in the amount of 5 percent and the costs of suit, by reason of the failure of the defendants to enter an appearance or to file an answer within 20 days of the date of service of the complaint endorsed with a notice to defend. By: eyfi Dated: December 7, 2000 0JiU0'" , ,~, ~- 1.1:!!b. ~I:&. - ""~ .' KEYSTONE FINANCIAL BANK, N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. CIVIL ACTION - LAW MICHAEL R. MUSSER Defendant : CIVIL TERM 2000-5222 TO: MICHAEL R. MUSSER Date of Notice: AUGUST 29, 2000 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS (10), FROM THE DATE OF THIS NOTICE, A JUDGEMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LmERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 & , P.C. WILLIAM A. DUNCAN, ESQUIRE 1 IRVINE ROW CARLISLE, PA 17013 ID# 22080 u.s. POSTAL SEAVICE ~""~"'r~"'.-f'~-l'r -~.. ~~.~~'_"~~ UN.CAN & HARTMAN, P.C. '.Attorneys at Law '. 1 Irvine Row Carlisle, PI' 17013 ! . " '0".,.. ;40 S. PERRY ST. ,.{:~.> l~f'> ' " "F.T T7..ARRTHTOT.1J\l PA 170?? MAY BE USED FOR DOMESTIC AND INTERNATIONAL M.l FOR INSURANCE - posTMASTER FlS FOAM 3817 MAY 1976 li,..J ~l ~,r,-. ., H::',,- ~;rJ;'-';. ';-"~"~" '-.r'"'~ '.. - ,"" -"- ~ ~ ~: R ( ~~jii1r- 'm -~,_,~_' ~"""'"' Yo '--,': ~!'-'o ' 7d c-> ~~ ~ c:::=- <:;'" .J::.cJ::o .--S:> ...c ~.~ .-'" ~~ -:~ D C i~ IJ ;;;:: Z: ~ -~ , (") c: ;;;: "tl CD 1J1m ~::r; 'CDC-- -<z kG ~c '.'eO -c: :z: =< -. o o a fTl () o "1', ;::~,} ;:1i~' "":Jm ;1(~.J '::::~() _];=H '-~o arn ,---; ~ -< b -. .... - " a m 'lli