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Home My WebLink About00-08783 ., - ililliJ~,",," L,AW OFFICES OF GREGORY JAVARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTlFICATION NO. 55669 44 SECOND STREET PIKE, SUITE 101 SOUTRAMPTON,PA 18966 (215) 942-9690 LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1/98 SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER, DECEASED AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 I hereby certify that I have sent copies of the Notice of Sheriff Sale to the Defendants' certified and regular United States mail and all lien holders or judgment creditors of record as required by Pa.R.C.P. by first class United States mail, postage prepaid, on the date set forth below. (See attached Exhibit "A"). Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, PA 17013 JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17241 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013-3387 Farmers & Merchants Trust Co. P.O. Box T, 20 S. Main Street Chambersburg, P A 17201 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, PA 17013-0599 Advanta Finance Co. 3009 Wilmington Road, Suite 6 New Castle, PA 16105 Tenants/Occupants 633 BRANDY RUN ROAD NEWVILLE, P A 17241 Orphan's CourtlRegister of Wills Cumberland County Courthouse 1 Courthouse Square Carlisle, P A 17013-3387 Reba Hoover 1481 McClures Gap Road Carlisle, PA 17013 Belco Community Credit Union 403 N. 2nd Street Harrisburg, FA 17108 Diane M. Soprano c/o Johnna J. Kopecky, Esquire 26 W. High Street Carlisle, PA 17013 Richard L. Whisler and Whisler's Well Drilling c/o Richard L. Webber, Jr., Esquire 19 Brookwood Avenue, Suite 106 Carlisle, P A 17013 Richard L. Whisler and Whisler's Well Drilling 366-1 Green Spring Road Newville, PA 17241 Greenwood Trust Co. Discover Card c/o Robert D. Kodak, Esquire 407 N. Front Street P.O. Box 11848 Harrisburg, FA 17108-1848 Greenwood Trust Co. Discover Card 5335 Wisconsin Avenue NW The Chevy Chase Pavilion, Suite 360 Washington, DC 20015 Commonwealth of P A Bureau of Individual Tax Inheritance Tax Division Attention: John Murphy 6th Floor, Strawberry Square Dept. #280601 Harrisburg, P A 17128 Internal Revenue Service Federal Estate Tax Special Procedures Branch Federated Investors Tower 13th Floor, Suite 1300 1001 Liberty Avenue Pittsburgh, PA 15222 .i. -[ Diane M. Soprano 363 Whiskey Spring Road Boiling Springs, P A 17007 Acme Fiduciary Fund P.O. Box 126 Shippensburg, PA 17257 AMCE Funding Fund P.O. Box 126 Shippensburg, P A 17257 , _1 ~-~r.!I1:" ~,,~ ~~ ~- , ~ ^ I ;.. "'~'e', Department of Public Welfare TPL Casualty Unit Estate Recovery Program P.O. Box 8486 Willow Oak Building Harrisburg, PA 17105-8486 Dated: iJEJJ I -i 1/Ylk( '~""'-^"'''''"-'~< ~EW"'" .. . . ,-"' ~..,"'.~~~ 'W " ~ =oIL,' M~,I ""_~~.....~ :-',:c>::;'-' "'_on_.e.__ .~~&,?j\~i~ 'O"F'F'lCIA l' .' , "" ,;-, '. .lI ITI r- LrI _ pos~~e' $ Certified Fee Pd~Qe $ Certified Fee .,,/: '!T~ta!l'oslage&F~$ ~~~1~:s::~r:_.riiQB_YER_;'m_L.m'_..m_~_:;__'m;:mm;_:'nnm~. ~.~'tANE ~~(ilI:i;:_':Pi_intj1n':~"_'n~;:mnmmLnmnmnn'nm'- , ~" , Return Receipt Fee (Endorsement Requ\1j!Kl) ,', . ",' ., Restricted Delivery Fee (Endorsement Required) ~ ' >r~tal Posta~e & ~ $' .lI .... ~.",,,o ,', or l'lMlTSjOCCUPANTS . ,,' . ..' . . :56 'M~\";'iiM"fii.DAiimn.,mnnmnnnmm~..n.,_'n_.'.mmn oN =~!lp+4'PA'+7:24-1-..'.m.'_.RE~-.HO(}VERmm.mmmn ....... c.;tt.., , M " , Return Receipt Fee c::J ;(End~nt Requ!4ed) , d'-'" - ',,' "C:'. 0. ,", : Restricted Delivery Fee .' (Endoi'Semei1t RequlreO) ci r- .lI n. u.s. POSTAL SERVICE CERTIFICATE OF MAIL! 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ODOOO '''d.~.''''.!;;l' " , !!,,,oo 'Y't:;I~"~~~:':~ ~,-a ~'g . ~ '_ c., @_Cil,<D:',__ L-~ ~;l~--;~~r': '';$Jp~ ; ';~~I~ ~~ ~'i~; ."l !'o:o:l S~;['~14l~ (9. ~~~~f ~"'. I ..' '" >~. 3: " 3 it a I :":) ..... ~ ia if? (p! ~'I.:i ~'.'.".. .~ ~ i c. ~ {~~~'.--:I- :,),_[~;":,,,-~,: ,~ " -,i~:: , "8 ~ ~ ~ 5!t ~ e III ~ g- o 0 ~ . ~ .............. ....:. () -"/" ::1',;,-',., co';-," n "" -'t O"lJ 2~~~)> n:. ~ ""0 ""'i3:ia'3l. 'It qr....3 ~.g gi~ >< <1l 0 A:l Q) m (J) Q) ....D) g,_2:so.S' ~~ ~~g,~3 2~ ~~:::JI\)'O xf?;'Q. ;:;;:-~ ~ 90l I;:;' -.;;:: :r a; III 5. ~ lC5' 001. -" "ll .~ 0", s< ~~ .~ 0.. . . . II"!. . .~- ',~ .". C>' \.c.. ..' ~'.:.: "......... '.' '1'."": ,.... 1",."",,,...,' I"":,:;~,.~;"",,: ':"'" . ~:;: ...,.... . .<:.. ' . ',:.' I I.. ..... ". .- '" . l;i~ I", >. .,..:.:'.c . ;. " "c:. .;. I .... ..... c.,;' I.': 'c.;...,......,. IC;;"'''. c'.:"'" , . '. "c' -,"..--. - - ',- .".... , '. .. " . . ,', - .".."'" -" _'.:",::<':_~-:, .C::-'~c:,.,;;:, .,' !?~~%~f~f~~?2~;f~~fh;iii;~~i}: " '.".-- --" 0, .. H ,." . ,-.".---.. . .J . , , _ ,c. _, __.c_-,.._--._.-.,.,-,__, :-~:" z-<~-.y:_-':::-~:.,:;.~ .:.z~.;,.~ ",-. ._ _ u.. ....,--.----. '..'".-_.'.,',",'---. ",." ""J _""s~, , . May 20,2001 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S): JAMES L. HOOVER and MARLIN L. HOOVER, DECEASED LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/98 SERIES 1998-1 PLAINTIFF/SELLER: DEFENDANT(S): CUMBERLAND C.C.P. NO. JAMES L. HOOVER and MARLIN L. HOOVER, DECEASED 633 BRANDY RUN ROAD NEWVILLE, PA 17241 00-8783 PROPERTY: The above captioned property is scheduled to be sold at Sherifl's Sale on SEPTEMBER 5. 2001 at 10:00 A.M.. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013. You may hold a judgment on the property, which may be extinguished by the sale. You may wish to attend the Sheriff's Sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. egory Javardian, squire Law Offices of Gregory Javardian 44 Second Street Pike, Suite 101 Southampton, P A 18966 (215) 942-9690 '.L;u;'~' 'c . " "'illi11l~~~iiliOO!iIDiJIi)"fu<l~":h:"jc;,"'iJ,'~'~;,-L"'""ilI",;EdF!,!;:.lI,Jii;i1tl,-\li_~uill ""'" illlttl_iiif~'~'~'<nll.ii."~_.M:> "' -0 I~~'.,"t' ,'. .~. -" ~'" ct." . , 8 0 0 -n ~ :<>0 ....,l -oce rnrn t= tE;1i 2::0 G"> Zr'''' I "'nh-"t (I) )--;'-' N :}j'=J -'<:2- ~3 ~~.~ ~C -'" ~() ::;:: leT"~ -"'~O '-0 [jf"n Pc ~ Z "" =< ::> :in (1'> -< \ " ~ !;;> -- " ~ I ..,I' , ~,;;, .i"..,.~_. _, ~,"' .' .\ ,- LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERYICING AGREEMENT DATED 3/1/98 SERIES 1998-1 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER, DECEASED SUPPLEMENTAL AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 633 BRANDY RUN ROAD. NEWVIlLE. PA 17241: 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Acme Fiduciary Fund P.O. Box 126 Shippensburg, P A 17257 AMCE Funding Fund P.O. Box 126 Shippensburg, P A 17257 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. ..,.J : . .~ -- ~ -~"",". ,........ J.-..' . 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. ,7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsificati to authorities. July 26,2001 Atto ;IillBI 'ill-lt" ~~in~,~Ii'ii1ll!iii!ikN,~Jt'c",.~Iit;'l~W.._d:'i;~:",W""~~l;,;,''-,"-i'iIi#.,)t;&l:1j;1'!'Jil!lliMili.M ~, ~ c ,~ jlllil~~~iS@'I!,fM~_af~~1 - .,~U " ~ ~, v "l~:;: '1i! ..... . .. '.... 2 0 0 -11 $;; ". ..,,! ""00:: c:: ~::JJ ~fT1 G") ,.1r- ::1:; Zs:,: I ~grn ~Z I" '~~b :......-Gl " '-"1 ~o ;-;'- ~:J ::K ::::2 C) 5>8 w ~--'>m ~ z :::> ?5 =< 0'> -< . ,.~ ~ "--,, ~1M_ -",-<". LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/98 CUMBERLAND COUNTY SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLINL.HOOVER,DECEASED AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 633 BRANDY RUN ROAD. NEWVILLE. PA 17241: L Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG,PA 17241 ~INL.HOOVER,DECEASED 2. Name and address of Defendant(s) in the judgment: JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG,PA 17241 . -'-ili!.J"'~ ~,..., .""" I. ~',', ;.; .. "'''''I''''''_~':'.\ ., 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Belco Community Credit Union 403 N. 2nd Street Ramsburg, PA 17108 Diane M. Soprano c/o Johnna J. Kopecky, Esquire 26 W. High Street Carlisle, PA 17013 Diane M. Soprano 363 Whiskey Spring Road Boiling Springs, P A 17007 Richard L. Whisler and Whisler's Well Drilling c/o Richard L. Webber, Jr., Esquire 19 Brookwood Avenue, Suite 106 Carlisle, PA 17013 Richard L. Whisler and Whisler's Well Drilling 366-1 Green Spring Road Newville,PA 17241 Greenwood Trust Co. Discover Card c/o Robert D. Kodak, Esquire 407 N. Front Street P.O. Box 11848 Ramsburg,PA 17108-1848 Greenwood Trust Co. Discover Card 5335 Wisconsin Avenue NW The Chevy Chase Pavilion, Suite 360 Washington, DC 20015 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Farmers & Merchants Trust Co. P.O. Box T, 20 S. Main Street Chambersburg, PA 17201 Advanta Finance Co. 3009 Wilmington Road, Suite 6 New Castle, PA 16105 '''''-' ~ ~~ I -~L ,"'-'<-, i i",_- "' ~~. --~*.Ii:i..._ 5. Name and address of every other person who has any record lien on the property: Name None. Last Known Address (if address cannot be reasonably ascertained, please indicate) 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Cumberland County Domestic Relations Cumberland County Tax Claim Bureau Dept. of Public Assistance Commonwealth of P A Bureau of Individual Tax Inheritance Tax Division-Attn: John Murphy Internal Revenue Service Federal Estate Tax Special Procedures Branch Department of Public Welfare TPL Casualty Unit Estate Recovery Program Orphan's CourtlRegister of Wills Cumberland County Courthouse Last Known Address (if address cannot be reasonably ascertained, please indicate) 13 N. Hanover Street Carlisle, PA 17013 1 Courthouse Square Carlisle, PA 17013-3387 33 Westminster Drive, P.O. Box 599 Carlisle, P A 17013-0599 6th Floor, Strawberry Square Dept. #280601 Harrisburg, PA 17128 Federated Investors Tower 13th Floor, Suite 1300, 1001 Liberty Avenue Pittsburgh, PA 15222 P.O. Box 8486 Willow Oak Building Harrisburg, PA 17105-8486 1 Courthouse Square Carlisle, PA 17013-3387 ~ .1 . ~__c , _,_..c, ".., 'Jili:_tllt:, .' , 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 633 BRANDY RUN ROAD NEWVILLE, P A 17241 Reba Hoover 1481 McClures Gap Road Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. May 21, 2001 G ~1lM"<i",_~M~f""W@~1ll~~~"":0.fu!J~B"-",,,,j;"L,,,'--i!-~;;1,,!:e;"L""""",_"'--,ii"-.tl:~,ghilj~-~jJjjJ[J~'""'-";'iiIH~~~~~'2mM.<ll~.d-~.I'il~I''''-''' " . . ---'I:\:: '. 0 0 C} c 5:: 3: ""D C,: ):..:,,* n.t~:-'I " -;;0' ~-.~ '. ""-_,,';, 2: ) "" Cf) .~ -< / r:::: C" ); c, :-~.:! ;;~: ;;: C-j v) <;:; ",,;'.... :..l =< .~ . ~._,,~ , _ _ J=_ _ ~_, .~, ~_.%n _ -,._.'-~ ,-,. , , .-~ - r .' '. .1-.. ~ ,,,'j! STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } 55. Robert P Ziegler I, _____________._________.______________________________________________________Ilecorderof Deeds in and for said County and State do 'hereby c;ertify that the Sheriff's Deed in which ________________ l:.~~~}_1..':._~~;-i..~~:}-!..:::'.!<--- ~:;--':nr~~.:;.-rt ~:_E~~.!__i ~_~_~_..s_:.~::.!__c_~ ~~_!..~:::_~:.~ :______ _ is the grantee dated Marcn 1, 1998 series 9~o- the same having been sold to said grantee on the -____________________________21;1:L____________ day of ________fl.~l?!'.!'.!'!\?~!'______________________ A. D., ; 2001"n__' under and by virtue of a wril______________ Execution . _________________________________ __n_ ___ ___ ____ ISSUed on the _ __n___ -24-1;11.--- __ ______ ______ _______ day of _______~_~__.____________ A. D., 20~~___, out of the Court of Cornman Pleas of said County'as of Civil 2000 -------.----.-.------------.--...------------- ---- ---- --___ --_ -___ ______ ____ __ ____ _ T enn, : Number _____~!~_3_____, at the suit of _.LaSalle...1iati.un.aLllauk...&l._TI.Wl.te.l'__Utl9.l'J::_twLfQ.PJ.iJJ.,g. & Servicing Agreement Dated 3-1-98 Series 1998-1 __________._________________ _______ against_ _____ __ _____ __ }_'!'!!~.!'__1o_!:I2_q,'!:~!'__6:. _Ni'F_H!.Ue,)!P2_,::e IS, De c e as e d duly recorded in Sheriffs Deed Book No. __~A.IJ.______, Page ____411_L__. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ____!I..___ day of ____d~______________ A. D., ~L_ ~- ~~------------------ ""'7---- Recorder of Deeds 1 , <, -1_,. '.~;iW~__4&:l;,,"___ , LaSalle national Bank, as Trustee Under the Pooling and Servicing Agreement Dated 3/1/98 Series 1998-1 VS James L. Hoover and Marlin L. Hoover (deceased) In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2000-8783 Civil Term David McKinney, Deputy Sheriff, who being duly sworn according to law, states on May 31, 2001 at 7:18 o'clock P.M., EDST, he served a true copy of the within Real Estate Writ, Notice, and Description in the above entitled action upon one of the within named defendants, to wit: James L. Hoover, by making known unto Deborah Hoover, wife of defendant, at 49 Mountain Lane, Newburg, Pennsylvania 17240, its contents and at the same time handing to her personally the said true and attested copy of the same. Bryan Ward, Deputy Sheriff, who being duly sworn according to law, states on July 2, 2001 at 3:37 o'clock P.M., EDST, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description on the property of James L. Hoover and Marlin L. Hoover (deceased) located at 633 Brandy Run Road, Newville, Pennsylvania 17241, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he served the within Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a pendency of the action by regular mail, to one of the within named defendants, to wit: James L. Hoover, at his last known address of 49 Mountain Lane, Newburg, P A 17240. This letter was mailed under the date of July 05, 200 I and never returned to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania, on September 5, 2001 at 10:00 o'clock A.M., E.D.S.T., and sold the same for the sum of $5,000.00 to Attorney Dale Shughart (for Attorney Gregory Javardian) for LaSalle National Bank, as Trustee Under the Pooling and Servicing Agreement dated March 1, 1998, Series 1998-1. It being highest bid and best price received for the same, LaSalle National Bank, as Trustee Under the Pooling and Servicing Agreement Dated March 1,1998, Series 1998-1 of 135 S. LaSalle Street, Suite 200, Chicago, IL 60603, being the buyer in this execution, paid SheriffR. Thomas Kline the sum of $1,162.43. Sheriff s Costs: Docketing $ Poundage Posting Handbills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage 30.00 100.00 15.00 15.00 30.00 10.00 .50 1.00 22.80 \, Certified Mail Levy Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff s Deed Sworn and subscribed to before me . " '''':_',~.>l*<-,",'''-'''\f, 4.47 15.00 20.00 321.20 300.30 25.66 25.00 26.50 $962.43 paid by attorney 10-05-01 So Answers: .u/~ ~~~~<~ R. Thomas Kline, Sheriff This ~ day of (J~ 2001, AD. 9:x' [2 /'h, Pl.~, I ~ Pro 0 otary ByQVdL{ SMi I::M Real Estate Deputy ~~ ;btJO \.b'"lJ Lk.. 3 '131,.3 ~ i11'313 -- ~ ,""~ . 'l!i~i&.. , ;,,' WRIT QF1EXECUTION and/or ATTACHMENT , (' ~ .;-"; 'c,;i / r ~ COMMONWEALTH OF PENNSYLVANIA) NO, OO-R7R1 CIVIL %II TERM COUNTY OF CUMBERLAND) CIVIL ACTION. LAW TO THE SHf:RIFF OF Cumberland COUNTY: Tosalisfy the debt, interest and costs due LaSalle National Bank, as Trustee Under the Pooling and Servicing Agreement dated 3/1/98 Series 1998-1 PLAINTIFF(S) from JamesL. Hoover and Marlin L. Hoover, Deceased, 49 Mountain Lane, Newburg, PA 17241 (1) You are directed to levy upon the property of the defendant(s) and to sell DEFENDANT(S) See Legal Description (2) You are also directed to attach the property of the defendant(s)' not levied upon in the possession of GARNISHEE(S) as follows: and to notffy the garnishee(s) that: (a) an attachment has been issued: (b) the garni,s,hee(~) isWe, e(ljoined from paying any debt to or for the account of the delenG!ant(~) and from delivering any property of the defEmdaril(s) or otherwise disposing thereof; (3) If property of the defendant(s) notlevied uponan subject to attachment is found inthe po~sessionof anyone other than a named garnishee, you are directed to notify him/herthal he/she has been added as a garnishee and is enjoined as above stated. L.L. Due Prothy Other Costs $.50 $1.00 Amount Due $93,338.00 fram 4/5/01 to date of sale Interest @ $1<;.14 pRr diem Atty's Comm % Atty Paid $203.56 Plainmt Paid Date: May 24, 2001 Curtis R. Long Prothonotary, Civil Division ,-by M.o->-e.. .P. 7p>>/U~~ r- Deputy REQUESTING PARTY: Name Gregory Javardian, Esq. ~d ' 44 Second Street Pike. dress: , Southampton, PA 18966 Suite 101 Attorney lor: Plaintiff Telephone: Supreme Court ID No, 215-942-9690 55669 -- '~III'~I ~~~ril~""--:ill.l!l~iIlil~j~~~!ro~1ii~b1ljjf.j;:(.""'~~---'_;'-h;_"'!;Q;."L'~'I''';\'j,ri'J",J:t;~*.~~~~"""~~ii1T'~~ t~~ c::;t;I r:v;J c:::::J @ IiViI "'I , Ii 11 Ii ,:1 !I ~ :1 li II I I , \, " II ii I' II :1 " II ii 'i II I I , REAL ESTATE SALENo.'% Vii fll 0..;;. J 5, .;z 00' me snentt levied upon the lletenoill i, interest in the real property situated in vD [)~ ft{-, i;~ j":ndlA "L. : L I ' 1/ !::L"""""~"""..L Cumberland County, Pa., known and numbered as: ~33.'fi(Ja.n1:J Pi..J/J fae-.A , I7.lwvt.lO Q. and more fully desclribed on exhibit "A" filed with I this writ and by this reference Incorporated her8In. _ ~ au ,;Joo I By: ~Clo....k... Y-e.pv '--J~ _ ~qn\3a "'\\J,~ ~ \~';'".,;\ 'Ii _,~-'_ C \ '. .. - '" ~\\ ~~ toS~; S"L ~ \~l ,c,s~\lO , , ' '" ""Ii!\} ,,- ", Ie, -., ~ "t~\lL ~ - \il 'v ~ ':1.\\13\\" , ~ 1_- u ~ '. ::!hl~"I~&r~~{;l,~,- ,. SCHEDULE OF DISTRIBUTION SALE NO. 18 Writ No. 2000-8783 Civil Term LaSalle National Bank, as Trustee Under The Pooling and Servicing Agreement Dated March 1, 1998, Series 1998-1 VS James L. Hoover and Marlin L. Hoover (deceased) Filed October 5, 2001 Date of Sale: Buyer: September 05, 2001 LaSalle National Bank, as Trustee Under the Pooling and Servicing Agreement dated March 1, 1998, Series 1998-1 $5,000.00 Bid Price: Real Debt Interest Attorney writ costs $93,338.00 2,347.02 203.56 Total $95,888.58 Distribution Amount Collected Legal Search Sheriff's Costs $(162.43 200.00 962.43 So Answers: r~~-~~ R. Thomas Kline, Sheriff . .~~ -"'~ . : ~- '. ";') TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 18 Held Wednesday, September 5, 2001 Date: September 5, 2001 TAXES: Receipts for all taxes for the years 1998 to 2000 inclusive. Taxes for the current year 2001. WATER RENT: SEWER RENT Company assumes no liability for private supply of water or sewer. Receipts to be produced if services are lienable. MECHANICS' AND Possible unfiled Mechanics Liens and Municipal Claims. MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below. JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to dated , 2001, and recorded ,2001, in Cumberland County Deed Book ,Page RECITAL: OTHER EXCEPTIONS: 1. The identity and legal competency of parties at the closing of this title should be established to the satisfaction of the closing attorney acting for this Company. 2. Rights or claims of parties in possession, if any, other than the owner. 3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area and encroachments which an accurate and complete survey would disclose. 4. Payment of State and local Real Estate Transfer Taxes, if required. 5. Public and private rights in the roadbed ofL.R. 21041, known as Brandy Run Road. 6. Conditions, easements and restrictions shown on or set forth on Survey by Tom O. Bietsch, R.S., dated August, 1967. 7. Mortgage in the amount of $63,325.00 given to Advanta Finance Company dated July 26, 1997 and recorded August 1, 1997 in Mortgage Book 1397, Page 1. 8. Mortgage in the amount of $74,510.00 given to Equity One, Inc. dated July 30, 1998 and recorded February 4, 1998 in Mortgage Book 1430, Page 431. Assigned to Equity One, Inc. by instrument recorded in Miscellaneous Record Book 571, Page 412. Further assigned to LaSalle National Bank, Trustee, by instrument recorded in Miscellaneous Record Book 664, Page 327. <- '- ~-~ . "~""~__..s.,,-"'l-J .:' .. \. j Complaint file by LaSalle National Bank as Plaintiff against James L. Hoover and Marlin L. Hoover as Defendants in the Office of the Prothonotary of Cumberland County to File No. 2000- 8783. Judgment in the amount of $16,287.10 entered April 9, 2001. 9. Mortgage in the amount of $25,000 given by James L. Hoover and Marlin L. Hoover to Farm~rs and Merchants Trust Co. of Chambersburg, dated May 2, 1997 and recorded May 14, 1997 m Mortgage Book 1381, Page 691. Subject to Subordination of August 1, 1997 recorded in Miscellaneous Record Book 553, page 640, subordinating said mortgage in favor of mortgage recorded in Mortgage Book 1397, Page 1, and further subject to Subordination of February 4, 1998 recorded in Miscellaneous Record Book 568 Page 86, subordinating said mortgage in favor of mortgage recorded in Mortgage Book 1381, Page 691. 10, Mortgage in the amount of $125,000.00 given to ACME Fiduciary Fund, dated September 30, 1998 and recorded November 10, 1998 in Mortgage Book 1496, Page 572. 11. Judgment in the amount of $7,642.08 entered on May 12, 1999 by Greenwood Trust as Plaintiff against James and Linda Hoover as Defendants to the Office of the Prothonotary of Cumberland County to File No. 99-2888. 12. Judgment in the amount of $6,419.95 entered on February 9, 2001 by Belco Community Credit Union as Plaintiff against James Hoover as Defendant to the Office of the Prothonotary of Cumberland County to File No. 00-771. 13. Judgment in the amount of $791.16 entered on March 29,2001 by Whisler's Well Drilling as Plaintiff against James Hoover as Defendant to the Office of the Prothonotary of Cumberland County to File No. 2001-1828. 14. Complaint in Mortgage foreclosure fried by First Nationwide as Plaintiff against James and Linda Hoover, et al., as Defendants to the Office of the Prothonotary of Cumberland County to File No. 2001-3220. Judgment in the amount of $10,665.31 on May 25, 2001. 15. Judgment in the amount of $6,109.50 entered on March 24, 1998 by Diane Soprano as Plaintiff against James Hoover as Defendant to the Office of the Prothonotary of Cumberland County to File No. 99-1610. 16. Mechanics Lien in the amount of $2,006.58 filed by Richard L. Whisler as Plaintiff against James L. Hoover and Deborah L. Hoover as Defendants on Apri130, 1999 in the Office of the Prothonotary of Cumberland County to File No. 99-2595. 17. Exemplified record of judgment in the amount of $16,287.10 entered against James L. Hoover in the Office of the Prothonotary of Cumberland County to File No. 2001-4938. 18. Right of Way given to James A. Marter by Agreement recorded in Miscellaneous Record Book 175, Page 735. 19. Rights granted to Penn Central Light and Power Company by instrument recorded in Miscellaneous Record Book 70, Page 80. 20. Subject to possible claims of the Commonwealth of Pennsylvania and the U.S. . Department of Treasury for unpaid inheritance and estate taxes owed by the estate of Marlin L. Hoover, deceased. .....-".......J"~_ = ,. " ~ , , . 21. Possible lien in favor of Pennsylvania Department of Welfare for unreimbursed medical assistance in the Estate of Marlin L. Hoover 22. Satisfactory evidence to be produced that proper notice was given to the holders of all liens and encumbrances intended to be divested by subject Sheriff Sale. 23. Real estate taxes accruing on and after January 1,2002 not yet due and payable. It is to be noted that no search of Domestic Relations Records has been made to determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any search been made for environmental liens in Federal District Court. Robert G. Frey, Agent Note: This Title Report shan not be id or binding until countersigned by an authorized signatory, .. < , '" '\~!i;k - I",~ REAL ESTATE SALE NO. 18 Writ No, 2000-8753 Civil LaSa11e National Bank. AS Trustee Under The Pooling and Servicing Agreement Dated 3/1/98 Series 1998-1 vs. James L. Hoover and Marlin L. Hoover (deceased) Atty.: Gregory Javardian ALL that certain tract or parcel of land and premises situate. lying and being in the Township of Up- per MiffUn in the County of Cum.- berland and Commonwealth of Pennsylvania more particularly de- scribed as follows: In accordance with a survey by Tom O. Bietsch. RS.. dated August. 1967. as follows: BEGINNING at a point in the cen- ter of L,R No. 21041. said point being North 48 degrees 30 minutes West 56 rods from the Southern Corner of land now or fonnerly of John A. Lay and Mary M. Lay. his wife. and now or formerly of C. Ri- chard Wheeler; thence by said land of Lay and of Wheeler North 25 de- grees 45 minutes East 9.93 rods to a stake; thence by the same, North 34 degrees 00 minutes West 29.65 rods to a stake; thence by the same South 60 degrees 15 minutes West 8.7 rods to a point in the center of L.R. No. 21041 aforesaid; thence by the center of L,R No, 21041. South 26 degrees 15 minutes East. 22.6 rods to a point: thence by same, South 48 degrees 30 minutes East. 13 rods to the place of BEGINNING, CONTAINING 2 acres 10 perches, BEING known as 633 Brandy Run Road. Newville. PA 17241- BEING the same premises which Marlin L. Hoover and Reba J. Hoov- er. his wife. and James L. Hoover. single man. by Deed dated March 24. 1995 and recorded March 24. 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Record Book 120. Page 12. granted and conveyed unto James L. Hoover. single man, and Marlin L. Hoover. married man, as joint tenants with the right of surn- vorsh1p. PARCEL NO, 44-06-0039-005. v " ~ .' - -1. . , ',,,f.; . . .. ~ LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 CUMBERLAND COUNTY SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER, DECEASED AFFIDAVIT PURSUANT TO RULE 3129.1 Plaintiff in the above action sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 633 BRANDY RUN ROAD. NEWVILLE. PA 17241: 1. Name and address of Owner(s) or reputed Owner(s): Name Last Known Address (if address cannot be reasonably ascertained, please indicate) JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG,PA 17241 NUUUANL.HOOVER,DECEASED 2. Name and address of Defendant(s) in the judgment: JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17241 'li. . ,.II ~" ~~ , ' ,. _<'lI:' ,_ c_~' . ~~l ~~,,' 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Be1co Community Credit Union 403 N. 2nd Street Harrisburg, PA 17108 Diane M. Soprano c/o Johnna J. Kopecky, Esquire 26 W. High Street Carlisle, PA 17013 Diane M. Soprano 363 Whiskey Spring Road Boiling Springs, P A 17007 Richard L. Whisler and Whisler' s Well Drilling c/o Richard L. Webber, Jr., Esquire 19 Brookwood Avenue, Suite 106 Carlisle, P A 17013 Richard L. Whisler and Whisler's Well Drilling 366-1 Green Spring Road Newville, PA 17241 Greenwood Trust Co. Discover Card c/o Robert D. Kodak, Esquire 407 N. Front Street P.O. Box 11848 Harrisburg,PA 17108-1848 Greenwood Trust Co. Discover Card 5335 Wisconsin Avenue NW The Chevy Chase Pavilion, Suite 360 Washington, DC 20015 4. Name and address of last recorded holder of every mortgage of record: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Plaintiff. Farmers & Merchants Trust Co. P.O. Box T, 20 S. Main Street Chambersburg, P A 17201 Advanta Finance Co, 3009 Wilmington Road, Suite 6 New Castle, PA 16105 ~'_'"" o. ~~ ~ "_ "~E5-' " 5. Name and address of every other person who has any record lien on the property: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Domestic Relations 13 N. Hanover Street Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013-3387 Dept. of Public Assistance 33 Westminster Drive, P.O. Box 599 Carlisle, PA 17013-0599 Commonwealth of P A Bureau of Individual Tax Inheritance Tax Division-Attn: John Murphy 6th Floor, Strawberry Square Dept. #280601 Harrisburg, P A 17128 Internal Revenue Service Federal Estate Tax Special Procedures Branch Federated Investors Tower 13th Floor, Suite 1300, 1001 Liberty Avenue Pittsburgh, PA 15222 Department of Public Welfare TPL Casualty Unit Estate Recovery Program P.O. Box 8486 Willow Oak Building Harrisburg, PA 17105-8486 Orphan's CourtlRegister of Wills Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013-3387 ~<~~- - - , . ,~ ._""'~. ., .., '. .' , ' 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Last Known Address (if address cannot be reasonably ascertained, please indicate) Tenants/Occupants 633 BRANDY RUN ROAD NEWVILLE, PA 17241 Reba Hoover 1481 McClures Gap Road Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are subject to the penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. May 21, 2001 ARDIAN, ESQUIRE 'ntiff ~,"-" .~ ..li ~-"''' , '~ , . i' LAW OFFICES OF GREGORY JA VARDIAN By: GREGORY JA V ARDIAN, ESQUIRE lDENTIFICATIONNO.55669 44 SECOND STREET PIKE, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 LASALLE NATIONAL BANK. AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 CUMBERLAND COUNTY SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER. DECEASED NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17241 Your house (real estate) at 633 BRANDY RUN ROAD. NEWVILLE. PA 17241. is scheduled to be sold at Sherift's Sale on SEPTEMBER 5. 2001 at 10:00 AM.. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, P A 17013, to enfurce the court judgment of 593,338.00, obtained by LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/98 SERIES 1998-1, against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT TIllS SHERIFF'S SALE To prevent this Sherift's Sale, you must take immediate action: 1. The sale will be cancelled if you pay.to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (21S) 942-9690. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) , .~, ~~~ ,-[, ~ - - , ---- -" ~i." , YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by ca1ling (215) 942-%90. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690. 4. If the amount due from the Buyer is not paid to the SherifI: you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriffwithin ten (10) days. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. 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 OmCE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LmERTY AVENUE CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 ",,-I" ~~'~"~~""---- ~ -~ J ~ ~ . ' """ . ~" ~ 'J'''_~ ," < ~. '-, '. -, ALL that certain tract or parcel ofland and premises situate, lying and being in the Township of Upper Mifi1in in the County of Cumberland and Commonwealth of Pennsylvania more particularly descn'bed as follows: In accordance with a survey by Tom O. Bietsch, RS., dated August, 1967, as follows: BEGINNING at a point in the center ofL.R No. 21041, said point being North 48 degrees 30 minutes West 56 rods from the Southern corner of land now or formerly of John A Lay and Mary M. Lay, his wife, and now or formerly ofC. Richard Wheeler; thence by said land of Lay and of Wheeler North 25 degrees 45 minutes East 9.93 rods to a stake; thence by the same, North 34 degrees 00 minutes West 29.65 rods to a stake; thence by the same South 60 degrees 15 minutes West 8.7 rods to a point in the center ofL.R No. 21041 aforesaid; thence by the center ofL.R No. 21041, South 26 degrees 15 minutes East 22.6 rods to a point; thence by same, South 48 degrees 30 minutes East, 13 rods to the place of BEGINNING. CONTAINING 2 acres 10 perches. BEING known as 633 Brandy Run Road, Newville, PA 17241. BEING the same premises which Marlin L. Hoover and Reba J. Hoover, his wife, and James L. Hoover, single man, by Deed dated March 24, 1995 and recorded March 24, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Record Book 120, Page 12, granted and conveyed unto James L. Hoover, single man, and Marlin L. Hoover, married man, as joint tenants with the right of survivorship. PARCEL NO. 44-06-0039-005. BIUL..... ~~. 16 / '_ 1!IG. 200ll-8753 Civil laSalle Natienal Bank. As Trustee Under The Pooling and Servicing Agreement Dated 3/1/98 Series 1998-1 vs. James L. Hoover and Marlin L. Hoover {deceased} Atty.: Gregory Javardian AIL that certain tract or parcel of land and premises sltuate. I;ylng and betng In the Township of Up- per M!flIin In the County of CUKjc .berland and Commonwealth "of Pennsylvania more particularly de- scribed as follows: In accordance with a survey by Tom O. Bletsch. RS.. dated August. 1967. as follows: BEGINNING at a point In the cen- ter of L.R No. 21041. said point bemg North 48 degrees 30 minutes West 56 rods from the Southern Corner of land now or Cannedy of John A. Lay and Ma1y M, Lay, his wife. and now or formerly of C. Ri- chard Wheeler. thence- by said land of Lay and of Wheeler North 25 de- grees 45 minutes East 9.93 rods to a stake; thence by the same. North 34 degrees 00 minutes West 29.65 rods to a stake; thence by the same South 60 degrees 15 minutes West 8.7 rods to a point in the center of L.R. No. 21041 aforesaid: thence by the center of L.R. No. 21041. South 26 degrees 15 minutes East. 22.6 rods to a point; thence by same, South 48 degrees 30 minutes East. 13 rods to the place of BEGINNING. CONTAiNING 2 acres 10 perches. BEING known as 633 Brandy Run Road, NewviIle. PA 17241. BEING the same premises which Marlin L. Hoover and Reba J. Hoov- er. his wife. and James L. Hoover. single man. by Deed dated March 24. 1995 and recorded March 24. 1995 in the Office of the Recorder of Deeds of Cumberland County. Pennsylvania in Record Book 120. Page 12. granted and conveyed unto James L. Hoover. single man, and Marlin L. Hoover. married man. as joint tenants with the right of swvi- vorship. PARCEL NO. 44-06-0039-005, , .'< ',-,-' " ~'~'. I ~ - , -,,;,i -~- 1/1'.;. ; \ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), p, L.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VlZ: JULY 20, 27, AUGUST 3, 2001 Mfiant further deposes that he is authorized to verifY this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. ~, Roger M. Morgenthal, Editor SWORN TO AND SUBSCRIBED before me this 3 day of AUGUST. 2001 ~j~T~: ~rA~ , NOTARIAL'SEAt. LOIS E. SNYDER.::J Public Carlisle floro, CIrn County My Commlulon ExpiI8s Man:h 5'; 2005 '~idt: ESTATE N~--1-8'--" , '~"WrIll'lo;-20Jll1-a753' - ---.ClvirTerm---. .--I..aS~I1e.N~ttol1aJ Bank, As Trustlre Under The Pooling '. -~- ' ,and Servicing Agreement ~~, ',uD,aled 3[1198 '. :Series 1998-1 ~=---, ~ ~. ',: vs" , J1mes L. Roaver Marlin L. ,Hoover __(deciased) Atty: Gregory Javardian DESCRIPTION ~(.~:THAT <:;OOAI,K I~ct or parcel of land JmI --premises-situate. lying .a'!'l~lng in thcTo....nsnip . . of Upper ~,timin in the County of Cumberland '''=<lT1d_._ Common.we,a]th~oL_ Pennsylvania more ':=-p:tttlctJlarly described as follow~: ' 1 in,,<)~ord3nce with a survey by Tom 0._ Bicl~th, _1t'S...dated.Aul!us[,J967, as follows: ~m~ml'lr:.rrNG al a point in the center of L.R. No. d041, ,~ai4_,!l.oint being ,:NOrth. ~{g degrees ~O ~m1f[es-wtst'56~l"Qd:~-fromJbe SoUthern com..'!" of ~l~o,d~no\\':Qfj.QQUSrlLO:tf9j1~.~J.~aLand Mary ,;;....1LL:l},.JllS_Wifc.. iirid'no\i,"or.ToiTIfeny of C. ~~-Wfi,'i::d,,,'.r; t!1~ru:~.~b)',,~~id land ,of Lay amI 'ccler ~9.rt]1):5 ~..gree~ 45 mmute~ Ea:.t ~~~-.t9'a.~.t=!k,;' th~n~e..~y I~C !iam~. North 34 ;-:-a~e:c.s 00 \lll!lules \\eSt '9.6.) rod~ to a stuke; thence by lhc samt' SoW1L60 degrees J5 mimllcs . \Vest 8.7 rods to a point in tlie center ofL.R. No. .--1TIJ:trafore!iaid: thence by the center of L.R. Ko. -2]])4], South '_26 degrees-IS minutes Ea~t 22.6 ~ds t~a. point; thcnsc by ~me, South .:\& degrees ~: n)Jn~{es east,)3 .rOO's to the place of ~BEcr~NING: CONTAIN,. ING :::! acres 10 ~~G,; ~own as' -613':- Brandy Run RoJJ, TNciwlllc, PA J7J.J.1. . grmG the same premises which Marlin L. HQO.~'.Cr and Reba 1. Hoo,ycr, his wife-, and Jamo:.~ L;:BQO\cr, single- man, by Deed dated March 24, '99:rario recorded March2..J.. 1995 in th-e OffiCi:: oT the Recorder of De:::ds of Cumbe'rland County, Pennsyhania in Rccord Book 1'20, Page [~, granted_,and conveyed unto James L Homer, single man, and Marlin L. Hoover. mamed_ man. as joint renant;; with the ;. n~ht t? su~vi\'~rship'i_' c: PARCEL NO, 44.06'i1039-005, O"'? -~ " "'"'~" - I , , 'liI,Httl-~. " .. '- .. , > , , . . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16,1929 Commonwealth of Pennsylvania, County of Dauphin} ss James L. Clark being duly sworn according to law, deposes and says: That he is the Acounts Receivable Manager of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of IM Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 24th and 31 st day(s) of July and the 7th day(s} of August 2001. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Mi411aneous Book "M", V;I~:~I~:~:~~' ...................................~.....................,..,...., ,...... . ............ COpy I 21st da of t 2001 A.D. S A L E#18 Notarial seal TalTy L, Russell. Notary Public Hanlsburg. Dauphin County MV COinro'sslon Expirai June 6, NO ARY PUBLIC MemIler, PennsylVania A$$OCialion ot ~ commission expires' June 6, 2002 CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURlHOUSE CARLISLE, PA. 17013 0, Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s} $ Total $ 298.80 1,50 300.30 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby'acknewledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By.................................................................... , ' - -. '-', "" " ,~..L '~'_".1, _," . , c ~~ ~b,,",j cif. >-"1It \, LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 SERIES 1998-1 135 SOUTH LA SALLE STREET SUITE 200 CillCAGO, IL 60603 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 00 - 11 R3 C,'c.,:( TCtLM. VS. COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 DEFENDANT(S) COMPLAINT - CIVIL ACTION 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 defense or objections to the claims set forth against you. You are wamed 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 TillS NOTICE 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 Liberty Avenue Carlisle, PA 17013 717-249-3166 " 1. ~."~" , ... LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JAVARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1198 SERIES 1998-1 135 SOUTH LA SALLE STREET SUITE 200 CmCAGO, IL 60603 NO. PLAINTIFF VS. COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 DEFENDANT(S) CIVIL ACTION MORTGAGE FORECLOSURE L LaSalle National Bank, As Trustee under the Pooling and Servicing Agreement dated 3/1198 Series 1998-1, (hereinafter referred to as "Plaintiff') is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania and brings this action to foreclosure the mortgage between James L. Hoover and Marlin L. Hoover, Mortgagor(s) (hereinafter referred to as "Defendant") and itself as Mortgagee by Assignment. Said Mortgage was dated JanuilI)' 30, 1998 and was recorded in the Office of the Recorder of Deeds and Mortgages in Cumberland County in Mortgage Book 1430, page 431. A copy of the Mortgage is attached and made a part hereof as Exhibit 'A'. .,~ J. _ ':"c I A, ~- . " I.,~ . , ~ 2. The Mortgage is secured by Defendant(s) Note dated January 30, 1998 in the amount of $74,510.00 payable to Plaintiff in monthly installments with an interest rate of 11.00%. 3, The land subject to the mortgage is: 633 Brandy Run Road, Newville, PA 17241. 4. The defendant(s), James L. Hoover and Marlin L. Hoover is/are the real owner(s) of the land subject to the mortgage and the Defendants' address is : 633 Brandy Run Road Newville, PA 17241. 5. The Mortgage is now in default due to the failure of the Defendant(s) to make payments as they become due and owing. The following amounts are due: Principal Balance $73,865.57 Interest to 12/112000 8,724.89 Accumulated Late Charges 1,043,94 NSFtproperty Inspections 165.00 Hazard Insurance 876.12 Taxes 1,418.14 Interest on Advances 42.58 Attorney Fees/Costs 3,700.00 TOTAL $89,836.24 plus interest from 121212000 at $28.24 per day, costs of suit and attorney fees. 6, In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No. 6, Section 403 (41 P.S. 403), a Notice of Intention to Foreclose is required and the Notice of Homeowners' Emergency Mortgage Assistance was sent to defendants April 12, 2000. The Defendant(s) have not cured the default. .,-_>'c .!i.:-,- . - WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant(s), in the sum of $89,829.52 together with the interest from 121212000 at $28.24 per day, costs of suit and attorney fees. Law offices of Gregory J avardian JA V ARDIAN No, 55669 - "". - ~ , ,.,:.,,,,,,- ~~ ^', "" ,., ~.. -' ~ . > ADroSTABLE RATE NOTE (LlBOR 6 Month Index (As Published in 71Jt~ Wall StrUt Joufflaf) . Rate Caps) TInS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGIlS IN MY INTERI!Sl'RAU: AND MY MONl'llL Y PAYMENT. TInS NO'l'E LIMITS THE AMOUNT MY INTERI!Sl' RATE CAN CI:lANGE AT ANY ONE TIME AND TIlE MAXIMUM RATE I MUST I'll. Y, PENNSYLVANIA us S ?L.5'O,OO January )0, 1998 Date 633 Brandy RU::l Road, r;ewvil~el p.o. 17241 (Propcny Add",,) 1. BORROWF.R'S PROMISE TO PA Y In return for a loan that I have received. r promise lo pay U.S. $ ?I., 510,00 (lhis amount is called .principal"), plus interest, to Ihe order of lhe Lender, The Lender is It.llllHv DnA. :nCOl'Dorated . J understand aha. the Lender may Iransfer this Note. The Lender or anyon!: who Jakes this Note by transfer and who is entitled to reeclve paymenls under this Note is called me "Nole Holder." 2. INTEREST Interest will be charged on the unpaid principal unllllhe fuJl amount of principaJ has been paid. J will pay intere81lU an initial yearly rale of 11.CO::> 'Ri, which. except (or odd days' inlcrest, if any, will be appJied (0 a 360 day year c:onsJsdng of 12 months with 30 days each. Inleresl will be charged limit Lbc prin~ipal ha.~ beell paid in full. The interest nile J will pay will change in accordance with SecJion 4. The interest rale required by this Section 2. and Section 4 is the rate I will pay bor.h before and after an)' defauJI described in Section 8(8). 3, PAYMENTS (A) Time and Place of Payments 1 will pay pr\m:ipal and \merest by makin& pa)'men\s every monm. J will make my mODt.hJy payments on the .!::!.!:!:L. day of eac.h montlJ beginning on ./l.pr"l1.' . ~. I will make OIesc paymenls every month unlil I have paid all of the principal ,and inleresl and any other charges described below that I may owe under this Nott. Unless applicable InW provides otherwise. each of my regular monLbly paymenu will be appUed firsl to accrued and unpaid ihlerest as if the paymcnl is made on its due dale. regardless of when the payme-nt is acrually received and the remainder, if any, 10 tbe unpaid principal balance, Any laic charges, collecrion costs and ex'pen~s, dishonored chock charges and payments made 1>)' the Note Holder to enforce this Note and/or to prolcel the Note Holder's iOlerests under the Securily Instrument (as defined in SecdOD ll) will be assesscd separa1oly. If, on March 1. 2Q2R . J Still owe amounts under this Note, I will pa)' Ibase amounts in full on'thal date. which is callc-d the -maruri'Y dale." I wilt make my monthly p.il)'menls at p,f,m>1t rSlllrt>: I r\' nRn~1 ~21 Fella~6hio Road. S~!tP. 220 or 81 a different place j( required by the NOle Holder, (B) Amount of My Initial Monthly Paymems :Each of my initial monthly payments will be in the amount of U.S. $70(.).52. amouot may change. This eC) Monthly paymcn, Changes Changes in my manlhly payment will renect changes in the unpaid principal of my loan and in the interest rare thai) mUSI pa)'. The Note Holder will determine my new interest rale and the changed amount'of my monlhlY paymenl in accordance with Section 4. 4. INTEREST RATE AND MONTHLY PA YMENT CHANGES 1bl, Note is nol poyPhle In InslallmeDts of .quaI amounls. Ulrg.r !"slallmenls may be due us provided b...in. The inleres~ ratc in effect on the date of LItis Note (.Initial Rale.) is 11.000 % per year, which, !:xcept for odd days' mleres.t, if any, wilt be applied to 8. 360 day ye.ar consisting of 12 months wilh 3Q days. each. The interest rate I will pay may change on the first day of _ March , 200C ctnd on that day C\lcry 6th month thereafter. Each dale an which my interest rale could ehinge is called -a "Change Dale. .. Beginning with the firsl Change Date, the lnleresl rale will be based on an Index. The "Index~ is the average of i:Jlerbank offered rates for 6 month U.S. dollar-denomintled deposilS in the London market rUBOR") as pubHshed in The Wall Slrect }tJUnldl .Money Rates. table. The ~Cur",O)~ ir.dc.l ~ is the most recr;nllnde:x value available as of lhe dale forty~ five (4;) days before each Change Dale if such dale ralls on a Fril1ay or. If'sucl1 dale does 'not fall DO a Friday, then the 'Current lndell." is the most recent Index value availabl~ as. or _the Frida)' immediately preceding the dale fony-five (45) days PA IST,'AOJ RA-:-e LlBOI!. 6 MONTH INDEX MTO NOTE lNO PPPj ~~ ~IONTli DISCOUNTIMONTHL Y SIMJ>I.F. . (lEN!RIC (91)!l'96J PAGE I OF J f\."T29IAB.pM ",.,J ~~ ~~ --~ - I ';'iI}~'" I,i .." _iJ.,o "*" I-~.,~', flefore each, Change: Date. Before each Change Date che Noll! Holder will calculate rhe new inte~t rat=, wbich, except for dny add da~s' interest upon prepayment in full. wUl be. applied to a 360 day yeat c:onsis\ing of 1,2 monlhs with '30 day, each, bY adding 7.500 percentage point! (me "Margin") 10 the CulTe:nt IndClt. When a new rate Is d~termined, me ralc will be rounded to the nearest 1/8 %. The NOlc Holder will then determ'M the amount of the level monlhly payment that will be ~ufticil!!nl to repay the then unpaid principal in full by the marurity date of this NOlt, assuming,that all delinquenl payments arc made and that aU future payments arc made when due. At the rust Cbange Darc. the inlerest rate will DOt be increased to more Ulan two (2) percentage poinUl above the Initial Itatc. and. at all subsequent Change Oates. the intettst rate will never be increased or detreutd on nny aing\e Chlnge Date by more than one (I) percentage point from the rate of Inrerest charged during the preceding six (6) months. The inlereSt rare will nevcr be greater thall 17.0CO percent per year. nor will it ever be less than one (1) percentaBc point below the Initial Ralc during the enlire term of this loan and at DO lime during the term ofthislaaD will the fatc be increased above the rate permihcd by law. The new interest rate will become effective cn the Change Dale. Thc new' monthly payment will be8in Od I11c first monthly paymenr date aftcr the Change Dale and will remain in cffet:t until the monthly paymclll changes again, The Note Holder wi1l dcUver by mail ~o me a notice of any change in the inlcrest rale and the amount of the new monlhly payment at least lWcntyoti,,'e (25) days before the effective date of any payment change. The norice will include lDfonnalion n:quircd by law and possibly certaiD other in{onnation as well. Except in the caSe or a Current Index and Margin less lhan one (I) pcrcenlage point below the Initial Rate and subject 10 the pcr'cntage painlllmitations on Cllte changes described above. rale decreases will be mandalory upon decfCUe:s in the lodex detennined' OR Change Dales, but rate increases based upon increases in the Index will be optional whh the Note Holder. However, the facl thaI the Narc Holder may not have made a pennissible increase in whole or in part will not be considered a waiver of the Note Holder's right subsequently 10 make any other pennisslble increase within the limitS staled in Ibis Section 4, Adjuslments in the rate will be given effect by changing me dollar amounts or remaining equal monLhly instaUments so tluU the lotal amount due under this Note will. (faU delinquent paymenrs are made! and all fuom: paymenuare"made whcnduc, be paid by the odginal marurity date of lhis Nale. As slated in Section 2, however. inlerest will accrue until payment in full is aClUally made. S. INDEX SUBSTITUTION ll!:gree that if the Index is no longer made available, che Note Holder will select a new index which is comparable 10 tbe disconlinued Indclt and the Note: Holder will notify me of the: ehanac in the index" 6. nORROWER'S R1GIIT TO PREPAY 1 have the rigbt 10 make payments or principal at all)' time before tlley arc due. but the NOle Holder may apply aD)' LC11dcred payments first 10 any amounts theD due and owing: under this Note or under the Security InitlCUmenl and then 10 principal not yeE dUe. A payment of principal only is known as a "prepaymenl. " I may make a full prepayment or panial prepayments wimout payillS any prepaymenE penalty. The NolC Holder will use all of my prepayments to reduce the lImounl of principallhat 1 owe under Ibis NOlc. Jf I make .,pania) prepayment, lhere will be nO changes in die due dales or amounts of my monthly payments unlillhc firsl paymeRI due after the firsl Change Date following my panlal prepaymenl unless the Note Holder agrees In writing to lhose changes. My panial prepayment may ,(duce the amount of my monthly paymenu: after the first Change Dare (allowing my panial prepayment. However. any ~(duction due to my partial prepayment may be. offlet by an intetc.$t rate incfC.a!ie. Ex.cept at provided in Section 7. the Note Holder earns aay prepaid finance charge at the time the loan is made and no pan of it will be refunded if I pay in Full ahead of schcdule. 7. LOAN CHARGES If a Jawor regulation, which applies to Ibis loan and which sets mul:numloan 'barges, is finally inlcrpre1cd so that till: inlercst or olber loan c;:hargc5 collecled or to be collctled in c:onnecdon with lhis loan ex.ceed the pennined limits, then: (i) any $uch inlercsi andliJr other loan charges shall be teduted by the amount necesliary '0 reduce the in\tres\ a.ndfor oilier loan ;~harges to lhe permitted limit; and (i1) an)' sums already coUer::led (rom me which exceeded pennitted Until$' will be refunded (0 Ole. The Nott Holder may choose 10 make this refund by reducing the principal I owe under this Nole or by making a direct :>aymenl to me. If a refund reduces principal, the re(luction will be treated as a panial prepayment. j. BORROWER'S FAILURE TO PAY AS REQUIllED (A) Lat, Charge' Cor Ove"'u, paymenlS If the Note Holder has not received liIe fun amount of any IDonUll)! payment by the end or fifteen (i5) c"len~ar daY$- lfler the date ills due, I will pay a lale charge 10 me NOle Holder. The amount of alt cbarge wiJI be five percent (S$) of ny scheduled -p8ymenl of principal and ll@rc&t. I will pay this late chug~ promptly bur only once on each lale payment, Any ale charge will be in additiiJD to iOlereSt "'0 the then ourstandiDS principal. (8) Default If I do nOt pay the fuIl amouDt of each monlhly payment on the date it is due, 1 will be in default. If J am in dl!!:fault nd the original principal amOUDt of Ibis loan is over $50.000. the NOEe Holder may require, nle to pay immediately the fun np;tid principal balance plus accrued and unpaid interesc and any othcr amouolS 1 then owe under this loan. However, if the ~igina\ principal amount of my loan is 550,000 or less, and I am ia defautl, lhe Note Holder win send me a writtc.n nOliee ~llil1g me thai if I do 001 pay the overdue amount plus pennincd costs and expenses by I cenain date lhc Note Holder may ,:quire me tQ pay immediately the full unpaid principal balance plus accl11ed an~ unpaid Intere~1 and. any other amo~n~ ~ then we under this loan. Tbat dale mUSl be at least 30 days after the dale on which the nolice JS mailed to me or, If If lS DOl lailed. 30 days aher the date on which 11 ,is delivered to me. 'lIST/ADJ. UTI! USOR 6 MOI'ITH JNDEX MTa" t-IOTf tNO Pf'PJ I "ltlNTll D1SCOt,JN'tIMOtoMlL Y SIMPLE. OENEJ.lC !ilJt!11)61 PAOE2 OF) 1'o"gIAltP.v. ;,l~~...J 'c. .-;,,'--^ (C) No Waiver By NOle HoltJcr ...... . ~n if. at a rtme when 1 am in deraull. the Note Holder does nOI require me to pay immediately in full as described above, we Note Holder will stilI have Ihe r1ghl (0 do so if I am in dc:fauh at a laler lime. (D) Payment of Nole Holder's COslS and Expenses 1f I derauh, wheLhcr or not the Note Holder bas required me to pay immediately in full as described above, Ihe Nom Holder will have the ris:ht to be paid back by me for all of its coSts and expenses in enforcing this Nofe to the extent not prohibited by applicable law, Those e'tpe:nscs includcl (or example, reasonable allOmeys' fees Dol proJlibiCcd by applicable law. I will also pa)' a charge of SID plus any leNaI bank charges for each dishonored check. draft or olher inslrumenl issued by me in payment on this loan. 9. GIVING OF NOTICES Unless appHcab1e Jaw require! a different melhocl, any notice that must be given to me under lids NOle will be given by delivering it or by mailing it by first class mail to me af the Property Address above or al a different address if] gi1/e the Not~ Holder a noUce of my different address. Any notice that musl be given 10 the Note Holder under this Note will be given by mailing it by first class mail to the Note HoJder at che address stated in Section 3(A) or 81 a different addrcss if I am given a notice of thai dirrercnt address. 10. BORROWER'S WAIVERS I waive my rights 10 require the Nolt: Holder 10 do eerujn things. Those Lhlngs arc: (A) to demand payment ofamount$ due (known as "presentment"); (B) 10 a:i'Vt oolice thai amounts due have not been paid (known as "notice of dishonor"); (C) to obtain an official ceniticadon ofnonpaymeo( (known as a "prottSI~). Anyone else (i) who agrees to keep the promises made in Lhis Norc, or (ii) who agrees 10 make payments (0 die Note Holder if ) fail to keep my promises under this Note. or (iii) who signs this Note to lcansfer jl to someone else (known as "guaranlors, sureties, and endorsers.). also waives these rights. 11. THIS NOTE COVERED BY A SECURITY INSTRUMENT A Securiry InslromeAI of cv~n date containing a descriplion of my real property protects the Note Holder from possible losses which m;ghl result if I do nol kctp lite promises which I make in this Nore, This NOle is secured by that Security '1\5Iromcllt. Thai Secudly Jnsu1.1menc describes bow and under what conditions I may be required 10 make: immediale paymenl in full of all amounts that I owe under this Note. If J do not keep the promises which) make in this NOle. 1 may lose mv real property. 12. RESPONSIBILITY OF PERSONS UNDER TInS NOTE: (( more than one person signs this NOlt, escb of us is fully and personally obligated 10 pay the full amOunt owed plus. Ihe charges as described in Secrions SeA) and 8(0) and 10 keep all of Ihe promises made in this Note. Any guarantor, surery, or endorser of Ihe Note (as dC$Cribed in Seclion 10) is also obllgaled to do Ihesc',lhings, The Note Holder may enforce i1s rights under thiS Note agatnu each of Us individually or against all of us togcther. This means Ihat anyone of us may be required tu pay aU of the amounlS owed under 1.1115 Note. Any petson who takes over my rights or obligadons under lhi$ NOle will have aU of my rights. nnd must keep: all of my promises made in this Note. Any person who takes over the righls or obligations of a guarantoe, surely, or endorser of litis NOle (as described in Section 10) is also obUga~ed to keep all of the promises made in this Nore. 13. APPUCABLE LAW This Note is made pursUiU'l1 (0 the Alternative Mongage Transaction Parity Act of 1982 and applicable regulatiol15. Olherwist, \0 the. extent not preempted by wcll ae~ or regulations or oilier appHcable ftderallaw, Pennsylvania law gO\lcrns this No(c. In the event of a conOict between any prOVision of this NOle and any federal or Pennsylvania !taMe, law or f~gulali()n in effect as of the dale ofmis. Nott, the SIAt\lle:, la.w or tegulation shall cOlltrollo-the exu:nl of such connict and !.he conflicling provision contained in this NOle shall be wilhom errect. All other provisions of this. NOle will remain fully effective and enforceable. WITNESS TilE HAND(S) AND SEAL(S) OF THE UNDERSIGNED, (Seall Borrower (Seal) Borrower (Seal) Borrower ~~~A7lfi<--- Mji';S L. HOOVER (Seall BOlTowe:r (Seal) Borrowcr (Seal) BOlTower fo./l IST/AD/. RATE Ll110R 6 MOh'TH INDEX MTu. NOTi (NO ppP] 1~ .~IONTH OISCOliNTJMONTHl. V Slfdl'1.E . OENEIUC [9/JOJ96J PAOE lQFl m9lAB.PM .~" .c,"",-" - "_,_ '.~ ,~".. ' ." ~'".," !.,.-' ., ~.....J . y d/f3 >./?;;.L " ,... ~~.) o hJu 6::/'/<:>/ , --r- ~ ", .-l \< MORTGAGE 3)/ nus MORTGft,GE t.SecU.rlLY Ir.UNmcnr') \. gi'ol'u. on Th. D1ortaallor II JAMES L. HOOVER .nd MAR!.IN L. HOOVER il h':l~' R1'"andv Run Road. Newville. PA 172.4.1 ("BoITOwer"). 'rbi, Security tDJlJv.mcDt is aiveu to Eaui ty One. In corpora tad which is orpniud lad t:XiStiDg uDdcr the laws Df 'Pl'>Tln qy, 'rnTl~ A I aad wbose address is JQM TrmiRR 1'11'1'\r8. SllH.p. 106 MAChan:lc.sbUFR'. FA 17055 ("Lemler"). Borrower owe=;: Lender the principIII sum of Seventy_four Thousand Five Hundred 'rAn :IITl~ Im/1nn 'Oollan (U.S. S 74.51"0.00 t This debt it cvidcncm by BOn'Owet'l Dole deled 1he I_Ull:: dale ,"5 this Security IDs1rumcnt ("NOlo"), which provide& for mODthly paymcots with Ibe fun dob1, jf aot paid earliat, due IInd payable: ou March 1. 2028 I Thil Securily inSlrumc~ accUml to Leader: (a) lbe repaymCDt of the debl e:vld~ by Ib, Noro, with iDterest at. rato which may VAry fTam lime lei time. ad .0 rqJcwals, a.leI15icu nd modificaticlJ2I of the NoIe; (b) the payment afan othr SUMS, wIth in,tcresl at a rate whlcb may Yal;)' from time to lime. advauccd \lIlder pat&&n.ph 6 to pCOloet. tt\& pcurlt)' of this. Securi~y mS\Nmcn\; aDd (~) the pcrfOnDaDCCI of Borrower's eoYCDlDl$ aDd agreements under this Security IDslr\IgUlDI and the Hore. For !hQit: pUrpOlles Borrower does bere-by mOrlpge, graDt IUld convey 10 LeDder lhe following deacrib~ property located in ClImhRrhmd Count~. CommoDwcallb of Peonsylvaefa: to co .." ,." ;:;: Januarv 30 - .I99~, 1 wbOSI!: ilddR$J -<: ~i ~~ c.':': .n fil -0 c-, 0 r-.... ::3 o""'l~ co: o' . ..... :.zrn~ rr this box is cbeckcd see Schedullll A annexed betelO Ind made a part ~f; ~ ~ CD .~ t/'J . ~., ." .., wbich bas the: address of 633 Brandy Run'Road (Stroet) '7241 ("ProperlY Addres,.): Newville (City/Couoty) . P,rwSylvIDi. (Z;p Code) TOGETHER WITH BlIthe improvcments bOW or blnCllfter erected 00 the property. lod aJlll:ll5cmcl1ts. rights, appurteDaoc:es. I'elJtsl royalties. miGmll. oil aad IllS rigbll aaC= prof,:s. water rigbts: ROd Rock sod 1.11 fixtures now orberea.fter a part orlbe. propmy. All replacements and addilioDS sball also be covered by this Security InstnLmcD1. All of the foregolDJ: i. referred It! in Ibis Security IDstrumenl &I the "Property. II BORROWER COveNANTS Ibat Borrower i, IawlUlly .e;,oO of lb. ....te bereby ""...yO<! ami bas the right to mortpgo, Ir'I.Ill .ad co.avey &he- Property and thai tho Property Is unclICQrnbcred. uccpt fOI ClIcumbrances of record. Bomlwar warrants and will dcfond pocrally the title to Ih_ Prvpert)' apialll aU , claims and demand, IUbj~ 10 .D)' _ CDCUmbraDces of rtcord. BottQwcc aDd LoDc:Jer COVCDIDI and agtcc I1S follows: 1. Payment Df Prlnclpal, Interesl and Other Charges. Subject to PILt'III~'pb le), Borrower 'Shall promptly pay wbeD duo tho priDOipal of Bud h~le(C.5t on the debt cvider;aced by the Note aad 8UY lale- charges, coUcclioD cosls jlUd CJ;pcDJC5 aDd dishonored checlc charges G provided in the Nolc. 2. Application OrPB)'ments.. Ualr:u applicable law provides OtbctWiliiC, IAode.r will apply each Df Borrowcc's regular Mouthly paymcRC$ UDder the :"lolc finl CO IICCIU~ Red uDpald interest uadu the Note u. if tbe paymoDl \$ ms.d.c an itt du.e. d1lc. cq8(4l~~ o.f when Iba payment is &<:.tullny reee1ved. and tho remainder. if .py, to tbe uJlpaid priaeipal balance under the. Nora. ~P)' lab: charges (5" orall1 pa)'meDt Dot made by Ihc IUId of 10 I;8I~dar dB)" af\et tbe dale It Is due). collectioD costs and expeases. disboDOml ~hec:1c: charges aDd paymcols made by LaDder 10 eofaccr: tbe Note II1d1ot to protect Lender', iuleruts uader this Securily lmtrument will be assessed separately. 3. tbareesl Liens. Bonower shall ,pay -tiif~es, as:s:emnenbi, cbargcs. finl[:S BDd impollhioos altribuu.blc to we PfQpe11Y wblcb mlyattai-D piiority.ovu ibis Security In$trumCIIl. and leasehold pl)'Jdc.Dls or ground 'fents, if aay. )lorroWcr sbll pay Ibese: ob[i~~~' on \~mc directly, to .the persOD owed paYEDCJll. Borrowcc shaJJ promptly {umilib 10 Lender .11:11 DoticClIllf'am:ouDt$ 10 bl; paid under thi. parag""pb, and receipts evidencing such payment!. . rll 1$TIADI. UTI! MORTOAoe~ OEN'2IUC 11M/HI ,",OHTHLY SIMPUl PA.G! lor, M0041A8.PM aoud430 1o\CE. .431 . ,_ "",~.c ",' ;: " ,- > ,. ~ ,~. - \ .....,'"'-..'\" " " ~, ,~~'~ ~... , '" '. BorTQwcr .b.n prompl1y disch.tge u)' lice which hu priorit)' over tbis Security ID,ltrutQCIlt uQlc:ss Borrower: (a) agnc8 ia wrlQDa to the paymcol or the obliga1loD J.cctJr1XI by tbc: lieD in a maDDer acceptable to Leaden (b) eoa1csls ia ID06 f.hb the 1tea. by. Dr defends I&;,iml eoforccmcul of die IiCll io, leg"1 procc.cdlq:. which Id Lc.ndett$ ophdQQ opcraIC 10 prnent tbe eofoRicmCBl of tbe lien: or ee) secures frvm the holder or tbc= 1il:G aa agRCIDCol ladstaclory to Uader suLotdinllUhg the Ue. to thi. StCUrity IPllotnlmcaf. If Londcr detennlra lit.. any liNt otthe Prupctty, is: IUbjact IQ tlMm Which CLay attalll prlari\y G'ftf \hts S&cu.rit, IDSUUmCo.l. Leader Play give Borrower a Dolic.e: idcntifyin.lbe lica. >>anowcr sball s.t1Jfy the lieD or take oae or moce af the .c1ioll~ .d forth .bove wilhhl 10 da)'1li of1ho givins: o( Dollce. - 4. Huard or Properly Insurance:. &rmwcr shall bep the haprovOaJcals DDW cx!sliDg or- huuftlt(' erected OD tb. Property lasured leu,. loss by flre, buardllDClJudcd INithlli the tend -c;IltCU.ded COYCPillc. ud uy olher huards, lndudioa; floods or flaadiaC. ror which Lcl1dcr l1:lC)uirN ialur&Occ. This iasuPlIlCO ,ban be ma'Dta~ncd in the: amouDb and fCJr Ihe pedodJ lhlt Leuder ~ultcl. pot 10 uc=cl dlc fuU replacc:lJIcut coli of the bulldlap: aad IIIIProvements 08 lha Property_ 'rhe ImuraDClI camet providins lbe InsuranCe shall be chorea by ~rrower ,ubject 10 Leader', approval wbich sbalJ pot be UDrcuoDlbly wilhhcld. It BolTOwer f.ils 10 ma.lalala colfen&e dcscribc:d above. Leader maYl at '(..eQdc('. OpdDD,obtaln covera,s to ptotect Leaderls n,lhu illlhe ttropc=rt)' ill accordance with p4t8.gnpb 5. All iasutaaec=. pc:diclcs aad lCDeWlls mUlt be IIccept&blc 10. leDdcr Qd must iacludc a naDdard marrsage clause id Dlvor Gr.nd la II form aoeeplable to LaJder, Le..1dct sball havCl &he. riCbt to hold the poJicies and Racwal,. If Lender requires. Borrower sblll promptly live to Louder aU receipts of pLid premiutDs _ad R;uawal uotiees. Jo the ~vcol of loss, Bonowcr shBIl give prompt Dolice: 10 the iDSUt'lU1CC ea.rriu MAd. Lender. Umdac may maka pRof af tOI'l. if nQt made promptly by BottC~t. UDICI!II, Leoder and Borrower otherwise agrM. in wriliul. last.lraolOlCl pE"OQccds IIb.1I bOo applitd Ie tesloratioa or repair oflhe propcny damag~, if tho rostorAlloa or [lCpair is ec:onoatically feasible ud Lead"', llCCUrity Is nolllCueucd, If the reltoradon or ro,pllir is Dot CC:Daallli~ly feasible Dr Leader's seetinI)' would be IC$lcaod. tila insup., protUds shall be applied 10 the SUDUi 'l:Cured by this Security InslNmcnt, wbdhcr or oollllea dllCl. with any CXcefS paid to Bonowe.-. JfBorrowct abBodou the Propcl1)', or does aOCaaswcr within 30 days a nolice from l..cndcr that Ihc iDSurancc: carrier blS offered \0 .~U\D. c1tltD, then Lebdec may collect Ibe. hwutallCC procecdt, Leader may use the: pro~s 10 repaJr ot 1'titon: die Property or 10 pay sum. secured by Ibis Security IostNDlc:nt. wbclber DC nol thc. due. The. 3()..day period will bcgiD whcb. Ilia. .DOli" Iii .iv=, . ::. Unless LeudCi aDd BortOWCt olbuwi,e agree ia wrhitlCl .oy applicatloD ofptoeecds to priDc:ipaJ shari not e[tcad or poslpOQC the due dace of !he moathly payments rc:(cmd 10 ID paRgp,ph I or cb8Dgo dla BmOUDl uribe paymcafl, .Ifupdcrpan;grapb 17 the Propet'1)' is acquirod 'by LeDdllf, Borrower's rltbllo aD)' iosuraDCC palioilll aDd procced5 resultlbC from damBJe. to the: Ptopcrty priur 10 the: Ic:quisitiOD shaU pass 10 LeDder to !be exteat of the SlIms .stlCUr~ by Ibis Securily Wl[\IDlctll iAuoediatcly prior to the leqWlilioD. 5. Occupant)'_ PreserYBtlon. MaJntenante 9Jld ProtecUan orlbe Propert.)'; BorroMl".Loan ApplicaUou, J.easeholds:. CondominlumSi Planned Ualt DeweJopmenlS. Unless BoImwcr'. loaa IppliealloD Bad Lender'slGIIlI approval prov,ded thai th~ Property wu DOt rr:q,uired ID be occupied as Bo[l'Owcr'. ptlacipaJ r~idCDcc, Borro1NCt shall occupy, establish, and use the Propc=rt)' as Bonowcr', principal l'aIidGOCC withia 60 da)'s after Ih eJeecutiou. ofthbi Securit)' lallrumeal BDd .h,U ~otiaue 10 occupy Ibe Property .. Borrower's priocipalrcsldcaC;o for almt t )'Cl.f after tbe date of O"p"IlCY, unlcss Leader otherwise .grees in Wtiliogf wbich coascat- sball not be unrca!oaab1y wilb!u:ld. Of ul1lcas ulllnuatlD& cltcUmlitaDcc:s exist wbich lVe beyaad BotTOWJ::c':!: CODtrol. BOrtDwcr sball Dol destroy. damage or impair the Pcopcdy, allow the Proporty to dcterioral"" ar commll waslc- DD Iba Property. Borrow!:r shall Dot permit, or bel IUcgeci 10 have pomdtted. Ibe Proptrty to ba ustd iD IlDDDeCti01l wk. uy 111_81.' ut'i'ti11. ]D Ih.' regard, Borrower .ball be in ddll.ull if uy forfclblre lI~tioD at" proc:e.cdiD,. whether civil At ~riminll, is bcpG Ibat hI Leader's good faith Judgmcal =uld re&ult ill forfeitur= of Ibo Property or otherwin materially impair Ibe lieu CRaled by this Security lost(UlDCDI Dt Lender', securily iatccMI. SortoWclr sbaJl alIo -be i. default if Bomwc:r, duriDglhc laan appllcadoll proF;CS$, save malcriall)' flrsc or inaec:UI1IID iOrOnnllloD or statcmcots to lAodcr (or f.lled 10 provide LcDdcr wilh aDY ma.lcrial iafannBdoD) ia coD.GCClioa with the loaa cvideDCCd by lbe, Note. loclucSiag, bul aollimil~ tal rcpracuLalioa. coDeeCDla, Borrower's occ:upancy orlbe Prap!::rt)' as . priacipal rcsidcl:lCe. If rlIi. Security IZl51IUIDCIlI il aD a leasebold, Bonowcr sball comply witb aU Ihe proviliollS of the lcue. If Bonowet' acquires tco dlle to lbe Ptaperty I Ibe leasehold ll1Id the feo title sball pot muge uDless Leader agrees to Iht: merpi' 1m writing. If this Security JDslrumenll1 011 a u.D.lt ill a coadomlalum or II plaDDcd uoJt development. Borrower sball perform all of BonoWCI't. abUptlan. UDder the dccblpltioD or j:OVf:DlClts CI'CBtinl Dr govcruiPJ tbe COQdomioiLlIll or ptaMed unil dcvcJopmow, Ibc by.laws ud (crulalioQS of the condominium or p'aaocd unit development aad coDstilUcn1 documcDII. 6. Prottction of Lender's Rtz:bts in tht Property. JflJorrowcr faU.. IQ perform Ibe caveDalUs Hod Ii'RemCDbl cODlaincd in this Security JDlit."ment. or lII~rc Ii .I~gal pro~iog lItal Dlay .iplfiCiDlly .tfcc:t LeoW. righlS in the Property (.uc:h as a proeeedin& In baakru-plcy, probate, fot condcmD8lioD or forfeirure or to t:tUoru laws or reguJatioDs). tben Lender D1ay dD .Iud pi)' for Wbalcycc ile necessary m pralCCl the 'Value oflhl$ Ploperty aud l.Ander's riz,btsin\hc.Propc.rly. tAb4cttS ~IoM may Inc\~p.yinl any so,so>> .~ured by.. lieo which hIS priorit)' oYer Ibl, Security JDltnunenl. pa)'igg insuraDCC premiums, appeariog ia I"A IsrIA01.Il.o\'I"! NOItTDAoe. oeNVUC(7/U/MI MOtllllLT SIMPLB lAOIiJol6 woOtIAB.PM ilDUK1430fAGi, .432 1',.', ~'- <;l:-j~ '. " 110 h'''' ~~ " ,",.... " ,,.: .,"" " '.I ''"' eoUr1. paYlnl re85ohabl,= attorney,' feeS and ClllennG on lb. Property 10 make repairs. Althouc:h ~dC[' atl)' take "liOD uade:r Ihis plnJraph 6. LcDder does BOt bave to do so. . Any amOUDtI di.burscd by Lead" uDder Ibi. paragraph 6 IbaU_ ~ma addltJoDall;lebl of Borrower secured by this Security IdJlrulDcot. UaJcu BottOwl;f and CCDdcr agree 'to ot~r tam. of pIIymeatt thClia amouAta Ilba.lJ ~ laterClI mUlllhlldate ofdiabulRlllcat 'llbe ratc.tbeo in affec;1 uader-the Note....-.uch TIlle: may <II..ge fro.. Om. 10 11m. If pDnllltted by law or, If 00', .. th. hisbool lawful ..Ie lad ,ball be payable, togl!lhe.t with ,ueb Interest, upotl aotlcc bm ~et to Borrower roqU"IiDS p.)'ment. 7. IDSpt(:lJon. Lcadel' Of Its 'gt:J1t may make rcuoaable ClItrle& upo, ad impectiODS of tile Property. I.cudcr shaH BLVD BontJWcr notice at ~ time. afar prior to ID iDspcll;tioQ.lpClCt(yiag ~easDnable'_ eause for the iIl$pe'Ctioa. . 8. Condempatlon. 1b~ procor.da of :&0)' "ward or claim. for damap, dIrect or oouseque.atJal, 10 ooDDccdoa with aay Q(J~u.lioa or other takiag oraay patl oflbe Property, or for ooDveyaoce 10 IiCll of col1dcmnadOl1, aro hereby 1,S.silaed Iud shall be paid SO Lender and applied to It ~ amoullt scc:urcd by Ibis Security [ostrum-CIlI. Amy excess will be paid to the periODS lepUy cDUlled to it. JC Ihe Property il abaadoDc:d by DOlTOWIlr', or if, zflc~f nolice by Leader to Borrowu that lbe eolldemllcr offerS to make 110 aWaR! Of JCf11~.. daim for damages. BotTOWeI' faUs to n:.apood to Lender wlUliu 30 day. a.n.. 1he dato tha aotIco ls.iYCD, Lcodlllt i. (lulhori"I(II eollCll:l1 ~Dd apply tb procudJ' I al itsOptiOD, either 10 nsteratloa aT repair ot lhe Properly Dr to Ihe sums secured b)' Ibis Sec:urlty lnsb'UIIICII1t wbcchcr or 110t tbeG dUe. Umcsa Lender aad Bonower othuwilc Agree in writiuI, aD)' applicatioa ofprocecds to priacipaJ dlall 1101 extend or poS:IpOOO the due date of the moDthly pa)'InCCls referred to io plrBgraph lot chaolc the &maum of sucb paymeoUi. 9. lIorrowec"'flot Relea.secli ForbluruCII By Leader Nol a Waiver.. ExtcnJioD of the tilDe for paymDot Dr modification of ablotllzaUoa of the IYIDI uc:ured by thls SeGurity [USlrulDCllllflllltcd by I.codcr to BotrOweror~ any IUCCclSIar i~iDtOfC5l of Borrower shall DotOpasto to release lbo UablUty ufthe origioaJ Borrowl;:r Dr Bortowcr', SUc::eeal$On: 1"lc1oreat. Loudor sbell DD1 ba l"Oquire-.d '0 commca~ proeeiedlagl .,_iosl auy successor in iDteresl Dr refuse ro tXlead time:. for paYIDCbt or oIlIerwise mQdify amDrtlzaliOD or th~ surus.... ACurod by 1111, Security Irmrumoal hy reasod of 10)' demud made:. by Iha original BoiTower or Borrower', SUCCClSOrs in lehSreSt. Any fortJearaucc b)' Leadu in exercisine an)' ri&bt or remedy shan DOl be a waiver of or preclude (be exercise or auf right OT romedy. 10. Successor. and Aosslps Bound, Joint and Several LiabUicy; eaooSi,nm. The oo~eoaatl aad agreements of chi. Security WlrulDODl shall biod and bcDefit UIl: 5U~SCJn lad IlIiigaa: of Leader aad Borrowee' 511bject to the provi.ioDl of'puagrapb 18 (8). Borrower'a: caVClWlts &ad agrccmOllta 11Ia11 be Jaint IlDd sevoraJ. Any Borrower who CO-lleas rids Security JDS1:rumcat bu. dOel not execute thD Nola: <I) jr,co- sigmne thl. Securtty IDStnImeat Daly to lIIonpp, INDI and <<lOYcy that BOrrowBr', iOklrcstla the Property uod~ Ule term. of ibis Security IDStnnncol: (b) II AGe pc.r.uaaUy obliptcd 10 pay the. Pall .ecured by lbis Sccurlly lnItrumcalaad ec) agrcc:s thlt Leader IDd any oeh" BorrowDr' Zl1Il)' .sree 10 er.b::ad, IDOdif)', farbear Of make ID)' accomDJodalioPI with rogard ta tba lenDl of thla 5ccurily IOSlnlmaDt Df chc Nota without thlll Borrower's caasent and wilhoUI thereby ilDplirinB thllt BotrOWCr'. obligaUoDS lad U.bl1ily hm:qadec. 11_ Loan Charges. Ie Ihe: loaD secured by tbt. $cCqrll)' IDStrUlZuult ill $Ubjtct 10 a law or regulation which sell DluimUJll 10&.11 cbllrges, Ind Ibat Jawor feCUlalioD is fiaaUy ialerpn:tcd so Ibat lb. inlerest or otbcr loaD cbaqcs collected or 10 be. ~1lecce.d 10 oormec[joa. witb Ihc Joan cxCClCd the: permitted lilllils. thc:a.: (B) "ny such IDlcre.st BDdlor other 1080 cbargCl IhaU be lDduced by the amouel lJ~uty 10 r~uo: the IDlercsl and/or other 101D CbargCl ~ IbIS pcrmlac:d limit: aad (b) 80Y SUms aIl1*Iy coUected from Borrower which el.cccdcd permlued limIts will be rcfUuded 10 Iktuowcr. Leoc;h::r may ~oosc tD mw thl. refIIod by rcducioS tha prl1Jclpal 0'Wt4 \1tl1lt::t'thc- NDte or by maklDg- a dlma pa)lD:lDJIt to Banowct. If a re:flIacl reduCCl princip<IJ, Cho reductio.. will be: lreated 115 II pmlal p~paymllJl, 12. Notices. Any nDllce 10 BolTOwer provided for fa Ihis Sectlrity J~trumCQt aball be given by dc1ivcriag it Dr by ma1Jlnr: it by first class mail LiDless appJicable Jaw rcquiror use Df aQotber metbod. The: Qotlee ,ball be dtn=ctcd to 1ha Property Address or any other addms Borrower diC!ipala by 110tioc lo Leader. ABy Dotlce to Leader shall be giveD by first class mail to Leader's .ddres. ~tatcd herela or aD)' other II.ddm. Lender de&ilaal~ by Datitle to Bonowcr. AsJy aotice provid;d fVr 10 this Security Innnuae.nt shall be deemed to hne beell liveD. to Borrower or Lender wileD liven.. pro\lldcd ia Ibis parapaph 12. 1~. Govtmlllg LOW; S...roblllty. Thb _lily losltumOlll,ball be governed by fedmllBw. iocludiog the A1tcfDative MortPle TraauetloD Parity Act of 1982 aDd applic:ab1e reguJatloDB. PcuUllIIylvaal, law IlOd aDY local law that applies hl tbe place in wl'1icb the. Propcrty i. located. fa the eYeul tbal qy provision Dr clause:: of IbIJ S~l)' JasltUmeD' or tbe NOle ItlODnicts with applicablo I:a.wt $ucb coafltet shall DO~ affect othet provlsloal of this SDCW'i1y tDStOlloenl Or lite ~Dle which CAb bo SiveD effect witboul the. conflicting pcovili(ln. To this end the provisioDl oftbi. SCllOUrity ]1Is1rumcnl and Illes Note are declared to be sevcf'ol.ble. FA IST/IoW.....TI }.CClRTOAlJJ.. tJI!N1!RICI1n5l94) MONTHLY SNLI fAOS hU UGDlIAII.PM Boud430rAIlE AJ3 -"-> ~~.;""'""'~.-~~ ":. .1' ,_.',L' " '. )' 14. Borro'Wlr'. ~py. Borrower acbaowlsdtes receipt ot'pbotocopy Dr a conformed"copy of the Noh: apd of lids Sc:.curit)' JD'ltUQleot. . 15. Salt of Note; Chaaae or Loan Servicer. The Note or II plrt!allntcrest 10 the Note. (together with this Security JDStnuDCIlt) may be sald 0.. or IDOro tlraa without-prior DOtlCC 10 Borrower. A sale all)' rc.sult ill a cHago iu Ibe cntil1 (knDWD IS tho "Loan Sanricet") Ibal cotll!Qls monthly payroeull dUC"lIDdcr the Nota ud thb SCGUrity laAcumoDl. Thms .1$0 may bo oalJ or mom changes of the Leu Se:rvlecr umolatcd to a sale of the NOla. tflhcro Is. cbaalC oftbe Log Servicer, Borrower will be: givcu writtell DD'JcG.Dftbe chance 10 accortbDC4 whb paragraph 12 aad applicable law. The, ootice will stlte tbo aame _ad address of the DCW Loaa S=rvil:::c:r and the lIddrc:n to which p.ymcats sbould k made::. The ootl"- will .Iso coauin lID)' OlJlI:( infanaatioD requind by applicable. law. 16. HamrdOlQl Subslances. Bo:;rower shall 004 ;:lust:: or plnnit I1uI preseDte. usc, dispolal. slaralll, Or release of any IilZardous SUbaaUcel 00 or lathe Property. Bom:lwet .hall Dot do, Dor aUQW uyeDa elso 10 do. uytblal' affdD, the Property that II to violl1tlQp of iUly Ea,vltoomcotal Law. The prc:cGdiac twtJ MDlaaCCII .b&ll aot apply to the presCDCC, IISC, or ,toraltr. OD. Ele Property of .malJ quaudUes of UllZardou. SUbmaaccs diM are IlIlaenlly recogalud to be appropriata Ie aormd JeSideaUal UJCS aod to maiBtc:aa~ of the PropcJ1)'. ' BOlTower sball promptly give Leader wriuen no1lcc cfaay InvC5tigalioD, claIm. demand, lawsuit or other aet.ioa by U1)' govcmm.cablJ or ,regulatory aaeney or prlva~ pany iDvolvlDI the Property uti aoy HazatdOlUI Substaoce or EQvironlDealal Law of which liolTOWet bas Bclual kaowlcclgc. If Barrowe:r h:Qrns, or is notified by aD)' govcmmcalal or regullltory authority. that ltDY removal or other remedlalioD of any Hazatdol1l SubslaDca IffccliD& the Propecty is IlCCCSUI)' I Bonower shall promptly take: "II necessary remedial actiotd la ICCOrdanOlJ witb EDviroameatal Law, . A. used ia \hi. paragnpb 16, loHa.zardoli. Stdntaucc:r.- :IIrl;' those: substancu rJcfiac:d IU toxic Dr bswudou. lubst.D~ by Baviroaracacal Law aBd the:. fallowial substaace.s: luolloe, l~d.based paUlt, kerosene, Dlber flammable or IO~~ petroleum products. toxic pe$tlcide.s aDd berbic1du, volatile lloJVOl1ls. materlalt CGolalaloj: ubcalOl Dr fonalldc::bydCl, aDd radiolctlv~ materials. As uled llJ this paragrapb ] 6, -EllviroamntaJ Law" lDeans f'edCl1l1law, aad laws oflhc jurisdictioll wbere die Property ic Iocaled thai rmlate 10 bcaltl. Ilfely or envkonm=ta1 PJOI~iDQ. 17. Lender's Rights It Borrower Palls to ICe'!p Promba IIlId Aereements. If auy of ~ evco' or coaditlo.. d..cribed ia .ubp....graph' (^). (8), (e), (D) ar (Il) af 1111. p...grsph 17 .haD llCCUr. thoa 0) if lbo origJ..1 priacipal amount of tho Note ..=do $SO,OOO, Louder ""'y roqutro that Borrower P!'Y , immediately the codal IIDOImt rerallrk,~ :tapal~ "c-:'e! tb~ Note ~Dd ~il, Selm~ty la.lmUDeDl, Dr (U) If the ~ origiuaJ RdlOllot oC Ibc Nolo is S5O.000 or Jesl. Lender I after liviD, Bonowcr lime-I)' 1Iodce of 'BolTower's rigbt to et1J'e u is du:u raquired by appUtablc lsw aud BDuower's failurc to CURl witbia the time period see forth ia sucb aO~1 may require that Borrowcr pay immodislely Ihe calirc amOUDt remaJalDI uDpald UDder Ibe NQIl; 11:11:1 this Security IDlitrumcot. ibl. requirement will be called MlmmlKliole PaymCDllQ Full.. , If Leader tcq.Ultes Immediate PaYlDeDt la Full, l.Qd1SJ' m.y bring a lawsuit to I4ke away IU of Borrawer.J rcmailli.ag rights ia rho Proptmy and to have thc Ptopc::fy Gold. At thb ...110 Leadc.r or BDather pen-OD may acquire 1he Property. 'Ibis Is known u .forecloJUtCl and sale." If the proceeds of this sale: arc. insufficient to repay L=dc:r tbe amouats dllG to I.cDdc:r from Borrower uuder tbe Note &ad aadu ibis SecUrity lnstrumOllt. Leodcr may, 10 tb~ eJlcot Dot Iimlled 01' probibiled by law, obtalD & court judgtllilllt against Borrower pctIoaaUy for the! differcDce between .U 8mOUats dues nom Borrower UDdar' the Nolo aad this Security JDlttuPlet11 &Cd tbcule proceeds. In IUI~ law.uit forfoRiClosure- .ad ule, uader will hve: Iberlcbl to collect aU eo&lI aDd nprmse.s of the foreclosure Md $a.lI: .nowlld by law. TbJllncludCl atlof1ley's fees IDd eo,u of nne e.1<I...,., pmniHod by appljuablo Jow IUd Rul.. of Court. aucI altomoy', r... ,for -ptey procecdJa&$ (mcluWag efforts to modify or Yae&lo any ~Iomlllc stay Dr lajuoction). All such sums as Ul.ay co~ dne wiD be secured by tho Ilea of tIUl SCGllrity [asl~Dt. Lencfcr may require. Immcdiakl PII)'tQeal Ia. Full ua.dcr !hl.s parapapb 11, If: (AI it if; due; or Borrower wi. to make lilY paym~.t r~uircd b~ the Nale or this Security lustrumCDI wben (B) Qcepl iD those l:irCumslaDcC::5 ia which fedctallaw Dthuwbe provides, &II Dr 10Y part uftbe ProperlY, or llny rilbt ia tbe Property, is sold or transferred without Leadct's prior writtea CODleot ,(or. If Borrower is not a oatural petIOD. If a beDBflCtial interest jn Borrowcc f.s: sold or (rausferred); Ot (C) 013 appUtatIoa of Lcddor, twa DC more InS1JraDcl: l?OmpalUeI licc:.Qsed to do busiDtll iq the Stale 113 which Ihe Property is located refuse to issue policies iasurinB the bultdlDP aad ImprovcmoDtI -DO the Property; or (D) Borrawer fail~ to keep lay other pR)mise or iigreement in this S"urilY [nsttumcnl wlthlll1ha time !l:ct forth, Dr if DO time. is s~ foru. ia this Security Instrument, then within the time Jet fonh lu the notice u~ to Borrower by Lender, or . rA 1ST/ADr, RAm MOaTOAaa. OI!f'(B1UC 17115lt4t MONTHt.V moLl . ''''OBh!' , ...OO4lhll,........ .BDd430UGE A34 < "o,,*,y .,' -, -=' .,~",', ,t -,'. ~ .' " (B) MY repre.senlltioa made. or iDfomation jivCD to ~er by Borrowor 10 couDccejoa with Bonowcc's appUcatlOD for Ibi.loall i. false or misleadiii, In IDY mll!!:ri.) re5pCC1. J8. Assignment" tll Rents, Appo~fitmtl'lt 0:' RIl~nr; Lender in PoSSt:S!lion.. N 8ddltioaal lCCUrity bcrwadcc. Borrower bcn:by ...ilDS to Le:lldcr the rll:ct:i: of the fnipcrly. provided that Bonowcr shall, prior to aCGic\cratioD UDder parapaph ., or .baudl:lumBDt of 1he Property, have tbc ripJ: to cancel'lnd rdala sucb rcolS as Ibcy become due: I.Ild flyable. Upon Iccelcnlioa under paragtapb l7 or IbandoDmeDC of the Fropcrty. Leader, in pe.raaa, by 'IOIIt or by judicially .ppollled recci.cr 111411 be eDllded to outer UpOD, lab poSlt$.ioa af and manap tho Property aad 10 calloet Ihe tcDb; of lbc PlOperty lacludlaa thO" pul due: All ..... coIt.<Iool by 1.oDd.. or lb. t=I_ .ball bo oppIiool 1Irs1 10 P"Y...D1 .f tho ..... or ...........1 Df lb. Properly ud eollccdoa of rents, iaoludia., but PDt limited to, rccclvar', fccs, premlvQu OD ~vcrtl boadt aDd reasonable adorns)'s' fees, .ad tho to tbiliUm.. SeCtlrcd by this Security 100!ruausl1t. Leader and the receiver sblll be liable: [0 a;coua.. only for lbok:: rca'l$ letually rue1ved. 19. Releasl!. Upoa plymcal 01 all 'Qml aoeured by thiJ Seeurity IOSlfUmCDt, Leador ..ball diM:barao Ihb Security lastNEDcot wilhOUI chirp to Borrower. Borrower sball pay aU costs ot recordaUoa. If aoy. 2[)0. No Claim or Credit for TUI!I.. BorroWCl" will Dot !dake. dcduotioD from or claim crcdJ, on Ihe. priggipal Dr Inlcrc.slsccurod by ibis SecuritY lastnlmcnI by rcasOD of IUY lovemmcutal taxes, assesslQeD~ or charzcs. Borrower wID nol claim aD)' dcduclioa from the uxablc YaJu;. of tho Property by reIIOd or this &:eurity tnslru~QI. ;U. 'Pterest Rate ARer Judimau. Borrower .grees th.t the iDlorcsl rale payable after I judgmcDt is Cblcrcd OD Ihe Norc or in ID action of mortgago foredQ.lu(~ sbalJ be; tbe rate staled ill the Note. 2%. RIden 10 tbis Security :T.st~men,. :f oae: or mORl riderl Itll!l executed by Borrower IDd recorded taplber willi this Security lalcnamenl. tho GOVCtJIdUl aad a'RlCrDlmls of each Buell rider mall be incorporated lalo ad ,b....moad aad lupplcmqt the COYelliais aad. .gRCmcnts of dJllI Sce"rity lastrumut as if the rideres) were;: a put of I.hls Sccuril)' Instrument. ICbeck .ppJic.ble box(..)) iii Adj",,"b1c Rate Rider " .' 0 1-4 F...i1y .- RJdcr " 0 Bi_ldy Pay"'..' , Rider , (J Coodo.uiDium Ridar o Ondualcd P.y,.... Rider o Pla.oed U.I, DcvdopmCllI Rldct (CONTINIJED ON PAGE 6) ..... r.\ l5Tl^DJ. kATB MOIlTOAOe.. GENERIC (1IUIMJ 1oC0NTHI. Y" $INJ'L2 l"AGE'oF6 MDD41A..tM 8od430PAGft .435 . , -')1 -"< ~liJ .' i,~" j ,_ 'l " . " o O1&.r(<1 t<'pecify/ o Rare Imp",vCmcftf Rider ',' o See-oad Home Rider IN WITNEss WHEREOF. Borrower bas executed this Mgr1gag~. Witacss: r~~'" J S t. HOOVER Borrower em ~;"'i '1!u1>f,eA/ MARLIN L. HOOVER Borrowe< /~/~. ~ Borrower Boaowu J hensby certIfy Ihat Ihe prceiSCI IIddtc:lS of the Lcnd~ (MQrtgagee) is: 4909 Louise Dri va, Suite 106 Meohaniosburg, FA 170:;:; 00 bchaICoflh.t..eod..,. By: Sta~he~P.r1Jr,itardt Till.: Manager ....' C\Y"1I:l:J..,,.\_,,, COMMONWEALTH OF PENNSYLVANIA, Couoly'o: O. this. the ,Oth day of January . Notary Public appeared J1lMES L. HOOVER and MARLIN L. HOOVER kDOWIl tAl me (01 ptisCaclorily ptoVCOl tAl be lb. ~n(') wh",. IWQ~(,) s:ubsmbed to the withia infbumelSt aad acbowtedted ..bat they purposes bettiu COlltaiDcd. , .19~belbo; iii... lb. W1dcnlplll officer. puSonally'- e:1'e execUted th~ limo for lite My CoD1D1lslloD cxpirca: IN WITNESS WIll!REOF. I hemlnlO a.' my b..d au N01AAIAL SEAL - DAVID II. STONE. NoIafy Pilbllt NMew~lIlIIBoro.ClllllllerlalldC" y "'''I...~n ElIpiJes Nov. 9, 1991l 'l"l~. of Officer ...0.. nclt<i"i l"-~S:;'.:.' ....._,~,.... ~'"}~~~;.". .'. ..~..,' ~> "~..~..~~'~~". ~,. .:. ~~~~~:.~;;;;,,,,"': C1');. .:...~..<:::l-.. ~,...'l"Jo-~... '".-. AFTER RECORmNG RDrURN TO: }i(~~!~~J:} i~ID.:- .... -..;._,'"'.' ~~ li'~"uity One, Incorpora-ted ~~"~.',.I:::"'.'\, .l.' :;:a "'\:'.. '~'(-.,:J,:':J,.e""" <J-"~" 4909 Louise Drive, 8u1tie IVb .-:::t,:,~..-;i.\~~ MR~n~n1r.Ahu~~. PA 17055 ,.... UTIAD). &AU MClRTClAOJ!. OSNEIl.U:: PIU/IM) MotmILY 5JNl:oLe PAt7!.lilllli IofOl)lIA8.p'M Bo0M1430PACE .436 -",,{,. ~ ". lI"OU,""d~ a/2/81; '2:D8P.ll" ~193S1.1.tPt.l '.' .' .,......,;. .'..::- ;':':., "" "17714 ;'1mI-:Io EQUITY tiNE-; ;, I'Il(J.I STONE lAFAVER STONE 717 . 774 3Il69 P,l , . ALL that ~e~~~~n trac~ 'Q~ parcel of land an~ premls~s situate, lying and b*int in the tOVDfh1p af Upper Hiff11n 1n tbe County of CQ~b.~lBnd and Co~onY6.1th of PennsyJvania More ~rticulerly de$cub..::d 4{1 f'o11ovs: ~. IN A~cQrd8nct with ~ survey ~y Tom O. Dietsch, a.s., dqtud AQJ~st" 1'67. 4S follow,: DEG1NHING at. a point in the. .c4ntu of L.R. NQ. 21~41. .U1d pDint. being Nar~ 48 dB8rv~. 30 ~ln~tes ~a9t S6 rods from tht Southe~n ~otn~r ot land now or fOlm~r11 of Jpbn A~ ~y and Mary H~ L_y. hi. wife. and now Qr formerly of C. Rlclierd Wbe~leri thence by ..id land of Lay dad of Wheeler N~rth Z~ degree. 45 mi~~te. last g.,3 rods to a $take; thence D7 tho same, Notth 34 4e3~ee8 00 .inuttg Ynt 29.6S .oclo tQ. stake;. thence by. the 8B.me. Boutb 60 ~&r'e8a 15 minv.t:es Uei:5t 8.7 t'Od8 to B point ~lq the c:~nt.8r 01 L.a. ND~ %10{.'1. aforesaid; tbene. by the cen~e~ of ~.R. No. ~l04~, South 26 d.&r~~1 IS m1nut~s S.et ~2.6 rod. to . paint; thence by same, 50utb ~6 degrees 30 minute, Ees;, t3 .rods to the pl~ce o~ BiG18NJNC. CONtAINING 2 aC~8s.10 pe,che$. 'BEING th6 Aft. p1:ense6 wlUch Marlin L. HQDY~r'and: Jlebs. J. JlQov~r# his' wife, aud J8Jl:iefl L. Hoover, by thaiT deed dated Ha.tcn 24. 1995 Imd rec:o'tded. }la-rch 24. 1995 i1'I. the Of!i~e vf the Ret:.o=-O!or of Deeds Qf Cumberlanil COUJIty I Pennsylv&Dia i1l. l.ec:.o-rd Book 120, l'lLse U. gtante4 and ol!<1tI:veYE'd untc> J'amu: L.. ROQVer and Xa'tlifl L~ Hoove.r. HorC:Slio-rs herai:1~ aood430;AGE i4~7 '" , " ... .' ........... .... .,..:..:::.:::.:.:::.........:................ " .... \:~.;~~:~\{r.:~~~~::::..:. . '- ,~~:"." ~..' '.'.: . : .~ :. :,". " . . '.' . . ,'.~ ": :~; . ..; ..'..::. '...- .:'. ..' ':'.~: '. :.: :,"':';;':. :-:.-.;.::;:....:. , :;': '~'.~:. (:....... '. :::.:.,' ..... ..'. ...' \~~~~~?~f~:~:l?;.\.~.: ; .' . ., ....}:)i.:.:.:~\~~.)~j~ ;",;;';:(". "';::. .-' ..'. ". " -- ,., .{;,'~!r,:;;~;}f.i~d:U.. ':.::': <:'~?\ ~:~ ~:~.~:/} '::: ;"':'. ::.......:; " ....... .... ....,. , ' :,... . . '. ,. . .. '. '~. '.' ." '."'. ...,;'... ........,'.:. '.'., .:.... :...... .:., ....... ....:. ....:. .;.... ..... ..'...: .... n. . :.., .....:...,.' :'...... .'.":." .'.;... ,~'" ......;.. .... '....,., .:"" ...' "....;. .' '.' , ~-- ''''.....~lilUl ,,' , .~. . . ~ . ,I " ADJUSTABLE RATE RIDER (LlBOR 6 Month IDdex (As Published in 17l~ Wall ~tl JoUl'llJJl) - !We Cajs) ACCOUNT #: 0800554941 TIllS AOJUSTABLE RATE IUDER is mado Ibis 2QYL.day of January- . 1998 . llIId is incorporated into and shall b. deemed 10 amend and suppl.ment the Mortgage:, D.ed of Trust 01 SecurilY Deed (lbe 'Security Instnlmem') of lbe same dat. given by th. undersigned (<h. MBauower") to 5eQl1'e Borrower's AdjU5~ablr::: R;;ate Not.: (lhc "Note") 10 Eoui tv OrIAr. TnMl"pOI'l1iied (th. "Lender') of the sain. date and covering <h. propeflY descrihed in tho Security Instrument llIId loc:aredat: 6':l~ 'RT-anr'lv Run RI'\j:u~ W,",,,",illA PI 1'7~"1 (Property Add.....) THE NOTE CONTAINS PROVISIONS All.OWlNG FOR CHANGIlS IN TIlE INTJ;:llllST RATE AND TIlE MONTBLY PAYMENT. THE NOTE LIMITS TIlE AMOUNT TIlE BORROWER'S INTEIUlST RATE CAl'/ CHANGE AT ANY ONE TIME Al'/D THE MAXJMIlM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreemenlS mado in the Security Instrument. BouQwer and Lcndct further covenanE and agree J3 follows: I. INTEREST RATE AND MON1lD..Y PAYMENT CHANGIlS The Note prom.. for an initla! im..... ",te of 11 000 ,,(the 'Initial Rat.'). Th. Note proYid~ for cbanges in the interest rlUe and the monthly pa)'mcms as follows; This Note is DOt payable Iu _"m.'" of equa1 amoUlllS. Larger 1nsIaIIme.... may be due as JKllvldod benID. Th. interest rat. In .[f0Cl 00 the date of ails Note, ' , ('Initial Rate") is 11.000 "poi year. wbich. =opt for odd days' interest. if any; will be applied to a 360 day y.... consisting of lZ months wltb 30 days each. The inte,es. "'10 1 will pay may change on the first day of March '. 2000 ....1 on thai day every 6th moruh lbereafter. Each date on which my interest rate could change is called. a "Change O.te.' -- Bcghming with the: first Chang.e,Date. the interest rate will be bascdonan Index. The 'Ind..' is the ..ong. of int._ offered ""es for 6 month U.S. c1olIar- denominated dopesilS io l!Io London market ('UBOR").. publiJhod in TM.W.U Street Joumal "MDney Rates" table. The "Current ltldex" is ~ most r~t Index value avaUable as of the date fotty,five (45) day. before c&ch Chang. DaI. if such dalO falls on a I'riday or, if such dalO does nol faU on a Frlday, then the "CUrrent Index' is th. most n:..mlnd", v&l.. .vaiI&ble as of the Friday inunedl&tely precodlng the date fotty- five (45) day. belon: e.<I> Chang. Date. Befor. each Change Dale lb. NolO Holder wl1l {'," ISTIADJ RATli-lJBOR. 6 MONTR INDEX M'IG. lUDER (l0I1/HI 104 MaNnI DISCOUNT/MCflTHLY SIhtPU! . SHOJl.T fOlUI . CiEl'IPlC lUSlI:r( THI STAn! OF ltNNSl'LVANEAl PAGEIOF) CDI96AB.t.'SA .BonK1430rAGf, 43~ ..... ::..:;:.:" - .' ....... ",' ;- ".' . .:;: . ',.:.-".:...:'; :~~':'::.: .:." ':.;' ", ........ .... ........ ." . .:.\.:.:',:,:~~.;.~:{;:.di.;':;:":',: . '!)i0ffid,;iiiiii;iif,g~i~:o'f;'s/N;;)' .,', :;:::::.>.~\::; ::.~~ ::> ',: ...'... "';" .:.-....'.'.;". . ,', .,'.' , ',.',: ,...: ::":':": '. '. :., ::.': -::.:. ..." , "., :",::,'"":",::,,,:,:.:::;,.:.,':::~::" :.....>>.::.:. .. . ::...'.:,....:. " ..:.::.....,'...:. '. ..~:..>.: ..:.-.:.~'..>: . ./.::::(:}.::::t:.... ~ . " . '...'.,.... . .,~ ;.' . '. . . .. ~'. ":::";',~::.;..':::' .' .:..:.... . ..' '.' ..'.:.:::..:.::}.i..:..:.. ..',::'...:.:......:.:.::;..., ':'::::<:,'.\<,',:'::;",>.".:,:,..,...:: .:.':: .:.::..., ....:.... '..' :....:'.:....;..:" ...... '....:.:.::.. ;',.;" :." ~', :(: ...'..,.::.:::.:.,:".:;:;.:..::';::7::.:;. .....,..:....:....\:::'/..:::::>. ..,..' ..... ...:;.:....... . ........: '.,.. "','.' ". ,'.:. :~:?::.:;.:: :;. . '. ...;.., ,.... ,'; ....,: ..... " ~~~'-"-: '- 1, :"'"" ~ ,;;, '-.. .' '; ee.Jculatc the ~w interest ratl!:, which. except rQf any odd days' interest upon prepayment in full, will be applied to . 360 day year cDDJisting of 12Jl1llntl1s wilb 3D days each. by adding 7. 500 perc0nta8e poiDlS (the 'Margln') to the Current Index, When a new rale is dctenninecl. the rate will be rounded to the nearest 1/8%. The NOle Holder will men determine the amount of Iht level monthly paymcmt that will be sufficient to repay the then lllIpIid principal in full by the matotity dale of this Note, assuming t1w-a1l delinqaeD4'''l'..."lI.are.made and thal a1ll11iure.p.ymc:nts,are,m.de when due, ' At me first Change Da~ the interest rate wiD not be iog-eued to mort than two , (2)"pen::enlage poiDl(s).hlgbcr,than lbelDitia1 ~and...I.1l subsequelll CI1ange DIleS;' , the inte1'eit raae'wil1 nlWerbe'increaSed.or decreased'OD any'single Change Date by more-' than one (I) percent.ge point (rom the rale of irnerost charged during the precc:dlng six (6) montl1s. The interest rate will never be greater thon 17.000 percent per year. nor \lrill it ever be less than one (l) percentage point below the Initial Rate during the entire term of this loan a.ncl .at. no time 1:htring lIIe term of this loan will the- rate be lnereased above the rate pcaniued by law. The new interest rale will become effective on the Change Date. The new monthly paymerd will begll1 Otl the rust monthly payment date after the Cbange Date and will rcmaiu in effect until the monthly payment changes again. The Note Holder win d,livcr by mail to me a notice of my change in tbe interest nte and the amount of the new monthly paymm J1least twenty~fivc (25) days before the effect~c due of any payment change. The notice wIll include: infoImi.tion required. by law and possibly certain other iDfofxnation as well. Except in tho ease a( a Current lnde. and Margin Ie.. tban one (I) pereenuge point below the Initial RD.. and Sllbject to Ibe pen:entage point Iimltalion(s) aD rate changes described above, rate decreases will be mandatory upon dcereases in the Index detcnnincd aiCbange DateS. but rate increases based upon increases in the Index wiU be optional with Ibe No.. Holder. However. the fact Ibat the Note Holder may not have made a permissible increaSe: in whole or in part will no<< be considered a waivCf Qf the: Note: Holde:r's right sub.sequr:ntly to make any otherpcnnissible increase withi~ the limit3 stated in this Sect:ion 4, .- AdjustmCDtS in the rate will be given effect by changing the dollar amounts of lOIIIllining equal momhly inaralbnents so that the toral amount d"" uoder this Note will. if all delinquent payments are made and a11luNre payments are made wl)en due. be paid by the original maturilY dale of this Note. AJ Slaled ia SeC:lion 2. however. mt.crelt will accrue until paY1Dll1U in fuU is actually made. 1ST/MI. RAT! U8Q1t. 6 WQH1'H INDEX MTQ. amEl (10111961 14 MONTH DISCDUNTfMOJ'f11IL Y 5lMPLB . sHORT FOllM . QEtoUlC (\1Si 1N 1'H'E Sl'ATE CI' p&NNSYL"AMAl p,\Gllt0J'"3 CD196.U.US-A aod430tAGE .439 ........,..... ". ':;":: .:~.:.::::.'~::.;?;r.:i.~t:~:}:\~/\./,~~:t.:>\~}/~~,. :..". ..,'. ..... :::':;........ '..' : (-.'.:::.:::'=;: .,:",:::,;:,,?,:::,~:,'P\;Y;:;'D':':''''... ,::;i:':.' .,., .;....;. ...' ;.,...:.. ." ~..': '.': ", ." . .~. :', ..?:;~..'........ .. .:..~:./~;:// ..:.:.=.... ',' ....,.. , .." .'.' :... .' .......;:: ~.:. .. . 1;;1' ,I '.. ' ~ . .~ " . '/ 2. Section 2 of the Seeurity !I1sltument is bel<by deleted in its emb.ly and reploced with tile foUawin&: ..' . APPLICATION OF BOltROWER'S PAYMENTS Unless applicable la.wpIovides otherwise, Lender will apply each of Borrower's regularmanthly payments under the Note and under this Security Instrument. first to accrued and unPaid'in"..., ....under: the NOIe, as: Lf !he..payment is made.oailLduc date;...regardJess. of w.hen the payment is' '..' aclWllly,ooeivcd'and lbe'remainder, If any::-to tIIe'unpaid'prlncipal:llalanee under tile Note. Any'" " c:Ja".charges (5% of OIly payment not,nwI. bY the. om! of IS ,wenda: dlIy; after ,he dlIt<" is , dw!), colleetion.coslS and expenses, JlishonllRd:cl1eck-el1arg.~and' payment< made ,by, Lende"o ' '" enforce the Note and/or. to protecl. Wders-intertslr.lInder.this..Sccurity Iwtrumcnl will.be . assessed separalely. BY SIGNING BELOW, Barrowct accepts and agrecs .10 the' teens and covenants contained in this AdjwtabJe Rate Rider. (Seal) Borrower ISeal) Borrower ... ISeal) Borrower lSTIAnJ. RAT! UICR. 6 MONTII nmEX MTO. R1D&II.llQ/l/H) 14 MONnl DlSCOUNTlMO~"'t'HLY SlMPLJ - $IUXIL'i' FOJ.M ~ GL"fII/JC (USE IN THB $TAT! OF PENNSYJ,.VIJIIIAl ~ rSeal) S L. HOOVER Borrower tJJ1 rlA.4,;..... ..L JJ..-J"'IrV!A---1Seal) MARLIN L. HOO Borrower (Seal) Borrower .- {.f~f.;lttif~::,i h,~,,"';";f'~.,h' '''''''1' .~,~:;/r{~t:jfj~~~~.:~.";', ~ ,. ..'v '<~' h'~. ,_..,.,,_ /", ,,'" "to- .'?i-~~t''..:' .~;t'~:'3""'" '~:;i~',} >,;1:_'" ;~"""":';""" rAGE30Fl] ?:.t~$.7ii: ~~~,~~~:(--;;:. ',,~,i{.,~;',c~4""7'~: '..~llii!f~.~~..fi ..;..~,~~...~:,..- - ~~~~;t~.~~~t~I~~} 86 .~~~~..~~,. Rid8d in th office for tl1e recording of DtRN& "" and berland County. I i o1.:=-P (':1.-1 witesmy'l! lof~. .:-L'b Cor PA' day 0 , 19-!:' ..}l ~od43QfACE ,4QO .....:.. ..., . '.., ',' .- .'.~. .' '.' .", . ......:::.., ':::.:.:,:,:}',:'.;,.~'(.:; ,'..: ;... :..;.::..:.:::.;;.,., .' . . . .. .... '.' ,. .,' ...... . ., .: .~:..~.;>..:.,.' .'. .,.. .'..~....... .'. .:. '. .'. '-:";.':.. , '. .' , ' . .',.. ',' . ,,~..',",.,:..:, ,,",',. ~,~.: :',:.,,:.: ..,.,',..:,',',:,,::,:.:,.:,:,~.,.':,::,:. .'.':: .' ::::,',:,:,..:.:,:,:,',:~,:':":",':::.'.~::':.,;:.:~,,:~~.,,:.::',:::~..',.::.;,:,':.','::~',.:.:'.~.:,::,.::.".~"",:":,'~:,?"",':",,,,\:", '" :,',,' .' , ., .. . : . .., .. .' .,: "..,. . . .' ... ..,::,;./ '.. .....~.:..::i..:.,~.~;,:;..:.; .:.. - .' .. ....... '. i:'. :. .... : :.; ~ .'.::. . . .... :,.,; ,'. ';.' " ..... ......' ..;,'.. '.':. ... ...'....." ...' :..... .... ... ' ;'.. ..... >::.:.,.~.;::.: ....::...,:.;..:::::.,...'.. ., '. '.'. .. '...,.. .;. :':C. ".':: ..:. .'.... .... ;..: .,.... '.", > ~. ,.~..,. ;..'. ~ _.~~"~ ...-J~, I FROM 'EQL'liy (ME .Ar"""" / '>~~"m!ll~",' .. PHtl>lE NO. : 71779$9843 Assignment UI IVIVI L~c:l~'" ()Jv{)dO'9'y~< r . Io1C01lSkJe1ltiDnpai~.QQ.t$hmebrass-1pn,kanJlqrl:ru1;c'ove,unlO ~ "];2 J Alliance Funding Company, A Divisioo of Superior 'Bank . 1900 Ritter Hoa~ 1r.1 Cltlaln rnaftgage ceaCJ Oaled January 30. , :9 98 . FSB . ~cm James L. Hoove~ and ~~rlin L. Roovar ~ee~an~C$burg, FA 17~5S 633 Branay Run Roa<S Newville, FA 17241 ~~T~_ ~ tqaity One, Incorporated fMortgaqe Amount $74,510.00) Illedk,r leCOldlnl;htrollice QIIl'ICCoImIrClcirkDt CumberJ.and COUnl~' pennsylvania ,c:mthe -1-1;1, ~ay.I$J.-' .'.'1f ..' /::39 o.<l.... .m....dr-.lNInBool< 1'(3001...,1..... III paQO #31 Dr the .Ctor$ ot sok1 cOUflI,..1oSIe1hcr wtth tho nQ18 Qt ng e$lh8rein mll:n\loneca and;1I ~@lopn.'s aeeli,ed ~~. . - . bATED ~~ 5th ('I~y 01 February 1'S' 98 Feb. 18 1Sl98 12: 55PM PH~ KNOW AlL MEN BY THeSe PRESENTS Ihol .Equity One, ~neorporateb " srAreOF Count)' 01 Iss. ~1:~'" Office;; "I~; J);X:'~""" '~I,j,;1f <,,. "iI:'"tm",. ',..:p~.~~ik~:~#:~~!,~t ';Vt':'i"" """~'i''1i", ~~~~~~t~'::.~. ;' ~".. AlIest L ~ n . \ '1\,'-' ~C,; 'f"-<,'."." ,{ U ' Billie Jo Downey A-CKNOwt.:EDQI!:MEh7 {For lrtaMd",~l$) OnUlls di1'1(Jr~ .crattl.pIUI04aIlyapptCllrod peJ"SOltaltr knl1WR 10 mliCor p~ tOmCl'on lt1Cl'buls DI.:.UslilctOl)' Sl'~ 10 be rhopC'tson($.' whNo ~$) s.ubscribi:c11o ,be foregQlnJflS'llilrunu:nt and adU1qwl4dged 'hal executed lJ'Uf . ,erTle. . 19 _. before mD. thD f,mdetilgnQ-d. ... NOIIU')' PubUt: fer uld WiTNESSmy hand ~i$ oUlt:lal &eaf~ $Jgnllture: ;..~ff::: :. :.: .~,~.::,' ',~';;.L.;{l:.~;.D ~.~iI~"~~~::.~ "dO Icn-d ortW4t. ., '98P1RHl1 PM 3 26 ,- ~,,"dlafgllllll;dlJHlJ My Commission n:pfrO$: ACKNOWLEOGEMENT (Fol CQfPor,slJOJQ 98 t b.l~lrllJ lM', the ~nd'ralgnefif.a I'Ivtall' Publl~ forNJd nT~i~Gr - E~~1ty One, IDaox~orated wf1C1 executt:d lbe. ~Udn Instrument. as PerJ:0n3l1Y kno...-n 10 me (or proved to RJIJ on 'he basls <Of a-idI11adQt,t evlcsllnce) to b1: Ut'll pefSoRS whcI ...C=Uled thlt wllhln In5l~l Qn behalf or tho Clo~"\Ion IltareJl\ lWned.&nd :"ckftOWJ,"glld tc me lhalsuch OQlJI'oraUon e'C:eeulod tho "'Rbln 111:slwmer.t pursu,nt '0 Its by-laws or. "'$OluUQn 01 fa board. oJ dJreelonJ. l.~~'\li<lllllJ"". .,\~. \~J!l'~~.nd_oIli.'''''aI. /'.~~.~~~.:'.:.~",~ , ..:01..:,.....'.1'(: ~,g..'t f. . f~" ~~-~;..o'...' , .\~~ ~~~:.- .:~ ~'~ . MyCommiaslonexplres: ~~~~u~i!J~ UUJlNC_fOAI.IS.tt.II;;-Wli:l_=- ~'~I~~]~~~~ :'~ "..1/''''''......,,''' ......~.~r.t..... STATEOF PwnnsrIvania Counly.' Bucks I SS, On thl, Sth day 01 F@h...mn.y .19 st&le,p41rsonaIlYDppOartr6 Phvll i.s C W"w'ro . wh<JOIecufedlbowlthln'msftUlMn{ss npA.....l'Iri ,..n~ and Bil]i~ .Tn n....~.T'ncy SIl:M.ture: c::.' , ,< V-.. f" . \". ~. (S . L' Stl~ r""ni'"...~~... ; ftfIlIWl'~lfI~ , \ NoIalfalSoal sueKwfmaM, ftI01aryPub/ICl f.tcItSlGtOWII l'wP.. Buck6Count,- iWyc:ommlllbtt~O<<.llI.200' MtmberIP9lmylvinll~OfNotarillS B~OK 5 n PAtE 412 .;.. ..,. .';:....::. .., :.0...; ..:.;:..... ...... .... j ~ ' . ~ -"'~ I " '" ./ . ....' .- State of Pennsvlvanla } County of Cumberland 86 .' ~. ",' Reeorderl in the office for the recording of D'~ e~~~d for c.u!l1~erland County. Pa., .',' in Boo!c~. Vol. ..:::::...pegal/E:;' C". witn ss my hand~and I of office of , . -. -.. C.rli~..PAthi. d'Yof~)IL'l-1~' , t, "(":,;;e'.. . . Record ' ti, ':' '. - " .. u. .....,.,. " .. '. ,,,. :"..,.., '.: :,',.:~,',,",,',' ".,.:.:,:;..,..,:",',',:,'. ' ~ :..:,:.~:,//..,::.,;:~<:..~.,;;::',:':,<:,~',,::',;.:.:;~:~<</:. ".', ,. ::':.(:.:,~:::.:.;,..<':<:.;;.:.. :,:::;~::~.'.';:)":;,::::.,<.,.':::....::...'::>,........ :.'.':.....,: , ',' ',.'" . .' .' , " - ~, '1;f "" -, ". ,,;:. , ~---,. , 12 ACT 91 NOTICE TAKE ACTION TO SA VE YOUR HOME FROM FORECLOSURE April 12,2000 TO: JAMES L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 JAMES L. HOOVER 49 MOlJNT AIN LANE NEWBURG, PA 17240 MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE,PA 17241 MARLIN I.. HOOVHR 49 MOUNTAIN LANE NEWBURG, PA 17240 THIS fIRM IS A DEBT COLLECTOR A1TEMPTING TO COLLF.CT /!. DEIlT. THIS NOTICE IS SENT TO YOU IN AN A'I'TEMPT TO COLLECT THE INDEBTEIJNESS REFERRED TO HERIiIN AND ANY INFORMATION OBTAINI!D FROM YOU WILL BE USED FOR THAT PURPOSE, IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT 1m CONSTRUED TO BE AN A ITEMPT TO COLLECT A DEBT, BUT ONLY ENPORCEMENTOF A LIEN AGAINST PROPERTY, This is an official notice IItalllte mortgage on your home is in dernult and the lender inlends to foreclose. Specific information aboul the nature oflhe default i. Drovided in the attached Da!!:.s. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM IHEMAP) may be able 10 help to saye your borne. Thi. Netice ""olain. bow the I>fooraffi works, To see if HEMAP cnn helD. vou must MEET WITH A CONSUMER CREDIT COUNSEl.lNG AGENCY WITHIN 30 DA VS OF THE DATE OF THIS NOTICE. Take this Notice with YOU when vou meel the Counseline. Aaencv. ...' The name. address and ohone number of Consumer Credil Counseline Aeencies .ervine vour CuunlY are lisled at Ibe end ofthis NOliee. Ifvnu have anv ouestion.. vou mav call the Pennsvlvania Housing Finance Aeoncv 101lITee all.SOD- 342-2397. (Persons with irnoaired hearin!!: can call (717) 780-1869), 'nlis notice contains irnJ10rtanl legal informllliotl. If you have any questions. represenlalives at Ihe Consumer Credit C-ounseling Agency may be able 10 help explain it. You may also wanl to contoct an atlomey in your area, The local bar a,..,ocinlion may be able 10 help you find a lawyer. LA NOTIFIClON EN ADJUNTO ES DE SUM/!. lMPORTANCIA, PUES AFECTA SII D"''RI:'CHO A CONTINlJAR VIVIENDO EN SlJ CASA. IS NO COMPRENDB EL CONTENIDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LI.AMANOO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADA ARRIBA. PUEDES SER ELEGlBLE PARA UN PRESTAMO POR f.L PROGRAMA LLAMA DO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDA SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDlMARSU IlIPOTECA, i; ~ '""""" .",1-,i,_'< I. ,'". ,:,', ,)' 'i HOMEOWNER'S NAME(S); PROPERTY ADDRESS: WAN ACCT. NO.: ORIGINAL LENDER CURRENT LENIlERISERVICER: STATEMENTS OF POLICY JAMES L. HOOVER & MARLIN L. HOOVER 633 BRANDY RUN ROAD, NEWVILLE, PA 17241 0800554941 EQUI1Y ONE, INCORI'ORA TED LA SALLE NATIONAL BANK DIVISION Of SUPERIOR BANK FSB HOMEOWNER'S EMERGENCY MORTGAGE ASSI!>TANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITlI TIlE PROVISIONS Of THE HOMEOWNER'S EMERGENCY vrORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'). YOU MA Y BE ELIGIBLE fOR EMERGENCY MORTGAGE ASSISTANCE, . IF YOUR Dct'AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A RE.ASONABI.F. PROSl'P..CT OF BP..ING ABLE TO Ph Y '{OUR MORTGAGE PAYMENTS AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FlNANCEAGENCY. TEMPORARY STAY Of FORECLOSURE-Undcrthc Act, you arc entitled to a lemporary slay of foreclosure on you mortgage for thirty (30) days from tbe dale of this NOlice. During that'ime you mu,t arrange and attend a face-to-face mccting with one of the consumer credit counseling agencies listed at the end of this Nolice. THIS MEETING MUST OCCUR WITHIN THE NEXT (301 DAYS. II" YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE Ill' TO DA ffi. THE PART OF TIllS, NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATI:. CONSUMER CREDIT COUNSELING AOENCIF.S If YOU meet with one of the consumer credit counselin. aeoncies listed at tbe end oflhis n"tlcethe lender may NOT take action a.ainst YOU for thirtv (301 davs after the date of this meetin.. The nameS. addresses and tclcpholle numbers of desianated coniUmer crediteounselina ailencios for the counlY in which the pronerlY is located are set forth at lhe end of lII!s Notice. It Is only nece..ary to schedule one face-lo-facc meeting. Advise your Icnder immediatelv uf your inrentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reason. sel forlh later in this Notice (see following pages for specific infonnation aboutthe nature of your default), If you have tried and are unable to resolve this problem witlt the lender, you have Ibc right to apply for financial assistance from the Homeowner's Emergency Morlgage Assistance Program, To do so. you must till out sign and flIe a compleled Homeowncr's Emergency Assistance Program Application with one oflhc designated consumer credit counseling agencies listed at the end of this Notice, Only consumcr credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finallce Agency. Yourapplication MUST be flied or poslmarked within thirty (30)) days or your race-to-faee meeting, YOU MUST FILE YOUR APPLICA TION PROMPTLY. IF VOII FAIL TO DO SO OR II" YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LEITER, FORECI.OSURf. MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. .. "',", ~~ -. ~~!lli<OO; .,. ." ,'~ ';',' ~- ;' ~-. ' , ~ -~~<, , -- ~'\liIill1!:' ,.. AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under lhe eligibility criteria cstablished by (he Act. The Pennsylvania Hnusing finance Agency has sixty (60) days \() make a decision after it receives your application. During lhat lime, no foreclosure proceedings will be pursued agairut you if you have ntelme time requirements set forth above. You will be notified directly hy the Pennsylvania Housing Agency of its decision on you application. NOTE; IF Y U ARE CURRE L Y PROTECTED BY THE FILING "'1 OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INI'ORMA TlON PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT , TO COLLECT THE DEBT I (tryou have filed bankruptcy you om slill apply for Emergency Mortga e. AssistaRee)..__~ HOW TO CURE YOUR MORTGAGE DEFAULT (Bring il no h) dale) NATLJ R!:: OF THE DEFAULT. The MORTGAGE debt held by the llI>ove lender on your property located al: 633 BRANDY RUN ROAD, NEWVILLE. PA 1724115 SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADF. MONTHLY MORTGAGE PAYMENTS for tbe following months and Ibe following llII10unts are now past due: 1/1/00 Ihm 411100 at $709.58 per month. Monthly Payments Plus Late Charges Accrued: Attorney fee: NSF: Property Inspection: lnsutance: Other: (Suspense) TOTAL AMOUNT TO CURE DEF AUL T $3,547.92 $65.00 $45.00 $122.00 $0.00 $0.00 ($149.36) $3,630.56 a. yOU HAVE FAILED TO TAKE THE. FOLLOWING ACfIONS (Do nol use if Dot a""licahle \: lliA HOW TO CURE THE DEFAU\...T- Vnu may cure lhe defaull within THIRTY (3Q) DA VS of the date of this Notice BYPA YlNG THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICIIIS $3.630.56 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME VUE DURING THE THIRTY (30) DA Y PERIOD. PavDlent must be made either by cashier's cbeck. certified check or moneY order made mvable and senl to: SUPERIOR BANK. FSB. ONE RAMLAND ROAD. ORANGEBURG. NY 10962. AnN: AUDREY INGRAM. You can cure any otherdefaullby taking the followingacdon wilhin THIRTY (30) DAYS oflhe dale of Ihis leUer. (Do not use ifnotanplicable) N/A. IF YOU DO NOT CURE THE DEFAULT-f I' you do not cure the rlefilull wimln THIRTY (30) lJA YS of the date oflhis NDtice,the lender inrends to exercise its riahl5lo accelerale the mortnaae debl. This mean. that the entire outstanding balance of this debt will be colUlldered due immediately and yO" may lose the chance to pay the mortgage in mDnthly ill,lallmenls. Iffull payment oftlte total amount pasl due is nol mode ".itbin THIRTY ()O) DAYS, lbe lender also intends 10 instruct Its attorney to start legal action to foreclosure upon Your mort2aee nrouertv, ' I~' :.I,.~.:'''--''L ','0.-' 0.. " IF THE MORTGAGE IS FORECLOSED UPON- The mortgage property will be sold by lIle SherifT to PHY off the mortgage debt. If the lender refers )'our case to Its auomey, but you cure the delinquency before Ihe lender begins legal proceedings against you, you will slill be required to pay tbe reasonable attorney's fees Ihat were actually incurred, up to $50,00. However, iflegal proceedings arc staned againsl you. yuu will have to pay all reasonable altomeys' fees actually lucurred by the lender even if they exceed $50.00. Any attorney's fees will be Mlded to !be amount 10 the h'nde.", whicll may also include other rt:l\SOnable cost... !f vou cure the deroullwithin Ihe THIRTY (0) DAY Deriod. vou will not be reuuired 10 Dav altornev's fees, OTHER LENDER REMEDIES- The lender may also sue you personally for lbe unpaid principal balance and all otm.r sums due under Ibe mortgage, RIGHT TO CURE THE DEF AUL T PRIOR TO SHERIFF'S SALE. If you bave not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still bave the rjeht to cure the default and orevent the sale at anv time uo to one hour before Ihe Sheriff's Sale. You mav do so bv oavin!! the lotal amount then oast due. olus any lale or other ehames then due. reasonable attornev's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale .s .oeeified in writina bv the lender and bv oerforminl!: an... other reauirements undellhe mort...e. Curing your defuult in the manner set forth in lhis notice will reslore your mortgage to the same posilion as if you had never defaulted. EARLIEST POSSIBLE SHERIfF'S SALE DATE. II is estimaled thaI the earliest date Ihal such a Sheriff's Sale ofthe mortgage property could be held would be approximately SIX (6) MONTHS from the date of this Nolice. A notice of the aelu.1 date of the Sheriff's Sale will besOl'( 10 you before lbe sale, Of course, the amounl needed to cure the default will increase the longer you wait. You may find out at any time exactly whallhe required payment or .ction will be by contacting the lender. HOW TO CONTACT THE LENDER- SUPERIOR BANK, FSB ONE RAMLAND ROAD ORANGE BURG. NY 10962 (800)431-1093 CONTACT PERSON: AUDRI::Y INGRAM EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. [fyou continue 10 live in Ihe property after the Sherin"s Sale, a lawsuit to remove you and your fornishinW' and other belongings could be staned by the lender at any time. ASSUMPTION OF MORTGAGE. You _ mayor _KlL may nul (check Due) sell or lransfer your home to. buyer or transferee who will assume Ihe mortgage debt, provided lbalalllhe OUlstanding payments, chill'lle and altomey's fees and cost are paid prior 10 or at the sale that the other requirements <If the mong8ge are satisfied. ~:,,' " ,~ 1,-,- '..~ ' ~. , ' '~ ~ . ~ " YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT, . TO HA VB THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF . TO HAVB THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HA VE TI-lIS RIGHT TO CURB YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HA VE TO SUCH ACTION BY THE LENDER . TO SEEK PROTEc.."TION UNDER THE FEDERAL BANKRUPTCY LA W. CONSlIMER CREI)fT COllNSELING AGBNCIES SERVING YOUR COUNTY IS ATTACHED, Very truly yours. , I , .. ".. J." / ,. /~'1U~'kr_r~ . i I ATTORNEY FOR LENDER ",'.... .. 't' ,-,,' "~ .' Ii NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT *******.**...**.*..*..*************.*.*.*..*~*.~........*..************* 1. This is an attempt to collect a debt and any information obtained will be used rOT the purpose. 2, Unless you diJlpute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. [fyou notify our offices in writing within thirty (30) days of receipt of this notice that the debt, or any portion thereof, is disputed. our offices will provide you with verification of the debt or copy of the judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. 4. If you notify our offices in "'Tiling within thirty (30) days of receipt of this notice, our offices will provide you with the name and address of the original cn:ditor, if different from the current creditor. ,,', c_. '".-'~. "',,_,' '" ~"i . . , " PENNSYL VANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREmT COlJNSELING AGENCIES (.... ~, CUMBERLAND COUNTY eees of Western Pennsylvania, Inc, 2000 Linglestown Road Harrisburg, PAL 7 102 (717) 541-1757 Urban League of Metropolitan Harrisburg N. 611> Street Harrisburg, P A 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PAl 71 04 (717) 232-9757 FAX (717) 234-2227 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YMCA of Carlisle 30 I G Street Carlisle, PA 170]3 (717)243-3818 FAX (717) 731-9589 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, PA 17325 (717)334-15]8 FAX (7l7) 334-8326 PENNYLSV ANIA BULLETIN, VOL, 29, NO. 23, JUNE 5. 1999 ", "" lA~; ""-,, "';_." '. . ~ .... VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of his/her information, knowledge and belief and understands that the statements therein are made subject to the penalties of 18 Pa,C.S.A Section 4904, relating to unsworn falsification to authorities. A/'?t ~7 / if// /;;;~1?j /~ ;:-,J / Maureen P. Toal " ~ ~U~__ IBliIIllmi!'il!~l'I~IMi\i>li'-lil~.,\\:jh>l~[~~!}~.w;lhll1~;;,j;----~'I.j,h"h":;,~L~--'< ;'>,iQ;;;, .L-'it;j:""",;-"t.>-&jii1'{.1li-i~_,i( ,,, ,~ LH' ';. ~~ ~'~>=~J. '~~11:!llil!&l~iIll7'--~" ~. ~ i ~ )- 0~ 0 fy 0 ~ Lv ~ Ii'} ~ J C) CI n i;V p --c;: r 1 ~ o ~ -r'J(.;'; mi'T': Z~J' Zi"- UiX___ -<,;: ':c::O 'i: (~'~ ~;2~~ z =< '~ (')0 0, <'"n ~,~ -,. , "0, ~J 0 ' ",' ~, ....... '. 0, "J;'- -;' r-,~ .,. :I>..c:! 0" 004: " \"....,. , 0"... . 6~' ~!~ :-1, ~~ )>: rri" "': O. J' ' ~* ~ o o ,,'~d"""__ , ~:",.. '''-''/fIl o -q C'J r';"l .~ roO f"\ ,~-' ("") :'.) 0'" ~'~8 C) n1 _-" f", '"j"-;>o ...- J ~ -" ::r. L,) ::::> (,) '~=J. .' I - " ',...",-~ """'_-!, LAW OFFICES OF GREGORY JA VARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICATION NO. 55669 44 SECOND STREET PIKE, SUITE 101 SOUTHAMPToN, PA 18966 (215) 942-9690 LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER TIlE POOLING AND SERVICING AGREEMENT DATED 3/1/98 CUMBERLAND COUNTY SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER, DECEASED NOTICE OF SHERIFF'S SALE OF ~AL J>ROPERTY TO: JMJES L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17241 Your house (real estate) at 633 BRANDY RUN ROAD. NEWVTT.T ,E. P A 17~41. is scheduled to be sold at Sheriffs Sale on SEPTEMBER 5.2001 at 10:00 AM., in the Cwnberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013, to enfurce the court judgment of 593,338.00, obtained by LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/98 SERIES 1998-1, against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT TIllS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's tees due. To find out how much you must pay, you may call: (7JS) 942.9690. 2. You may be able to stop the sale by tiling a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ~~ ~~ 1,< i., ' 'dJ..iil11f~ iI YOU MAY ~T\LJ.. BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTJlER RIQI!TS EVEN IF TI1~ SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by cal1ing (215) 942-9690. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Gregory Javardian, Esquire at (215) 942-9690. 4. If the amount due from the Buyer is not paid to the Sheri:l:l; you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid fur your house. A schedule of distribution of the money bid fur your house will be filed by the Sheriff. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriffwithin ten (10) days. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LmERTY AVENUE CARLISLE, PA 17013 TELEPHONE: (717) 249-3166 (800) 990-9108 " . ALL that certain tract or parcel ofland and premises situate, lying and being in the Township of Upper Miftlin in the County of Cumberland and Commonweahh of Pennsylvania more particularly descnOed as follows: In accordance with a survey by Tom O. Bietsch, RS., dated August, 1967, as follows: BEGINNING at a point in the center ofL.R No. 21041, said point being North 48 degrees 30 minutes West 56 rods from the Southem comer ofland now or formerly of John A Lay and Mary M. Lay, his wife, and now or formerly of C. Richard Wheeler; thence by said land of Lay and of Wheeler North 25 degrees 45 minutes East 9.93 rods to a stake; thence by the same, North 34 degrees 00 minutes West 29.65 rods to a stake; thence by the same South 60 degrees 15 minutes West 8.7 rods to a point in the center ofL.R No. 21041 aforesaid; thence by the center ofL.R No. 21041, South 26 degrees 15 minutes East 22.6 rods to a point; thence by same, South 48 degrees 30 minutes East, 13 rods to the place of BEGINNING. CONTAINING 2 acres 10 perches. BEING known as 633 Brandy Run Road, Newville, P A 17241. BEING the same premises which Marlin L. Hoover and Reba J. Hoover, his wife, and James L. Hoover, single I1llUI, by Deed dated March 24, 1995 and recorded March 24, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Record Book 120, Page 12, granted and conveyed unto James L. Hoover, single I1llUI, and Marlin L. Hoover, married I1llUI, as joint tenants with the right of survivorship. PARCEL NO. 44-06-0039-005. ~~ "f'- ""'~iiiII~*~~~;L'JIji1l1~!_~"u-\.-,,~-,,'''1;''-2H~'''''_,'''"z2''''ll1flbfuill'1"i~~llt1 "--"~>, illiiiia!frutil1n ~""k_"-__" ^,' """"'''''<~ - ~. ,""~'~'~~'.. J~ "^ ,~ " =. ~'"~~;, ilk"': ~~ ,;, 0 cr:J ~, '-.'n} C , ;~ , ~ ;g1J;!:~ ;);1;"'. "yr:1 '< , Z::c ~, i~~::,:' ~C~ ~c.; ",'- .,:,< "-id, Sy >~ z ':,.) =< ~, - <- ,.'-' " , .' 'i I ! . '-,~ I;:' " bl" ~~_.~- ",Co ,I', ~ ..~, LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN, ESQUIRE Identification No. 55669 44 Second Street Pike Suite 101 Southampton, P A 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS TRUSTEE UNDER TIlE POOLING AND SERVICING AGREEMENT DATED 3/1198, SERIES 1998-1 Plaintiff COURT OF COMMON PLEAS TRIAL DIVISION CUMBERLAND COUNTY vs. No. 00-8783 Civil Term JAMES L. HOOVER MARLIN L. HOOVER Defendants PRAECIPE TO DISMISS DEFENDANT. MARLIN L. HOOVER. WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly DISMISS the Defendant, Marlin L. Hoover, without Prejudice in the above captioned case. Date: April 24, 2001 ~~!~~k);.Efj!,~,".;r~I",:I"~j..;#i-!i'3:,.~%Ji~~~,ci:I,~,,,:n_>.'''-iu;'ni_:,',~:,wi('-'-""""""'-l'kfHi:_1Jfu-,~;~:i:~€#H_ji~i'1l1l.]jll1iI~'M~""""~' ~ r.i"", .Jl!.' ,lrll --, . '^'''--'- ~!~I~I!l: '~rr':J!LlL' , '~ii!:r 0 0 0 C 'T1 ~p s: J:>o :~~J Vl -OCr} v mITt ;;:0 ~~5 ~7'# Z:::c , :z:~- N 8 05~ 0' ~.c -<"'-- Sh~ kO -0 ----rOT, c::>.-l) ~o -~ (5:D C9 ~....(,':) e\ -0 y .om "'-J Pc ~ ~ --I 55 ~ -1: .s:- -< Cd' )> c. ~. ~. .,J.l~[:L "".".11.. ~ ~,,~.~,~~ ..0= ~~. , , ,~,"""", """"0'<' ',<~,~ ..,' _"_,~,J.,".. " ''"'' . .~~ ~,~" ~ . _=1 "~~'""o,~""";.~J LAW OFFICES OF GREGORY JA V ARDIAN By: GREGORY JA V ARDIAN, ESQUIRE IDENTIFICA nON NO, 55669 44 SECOND STREET PIKE, SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1198 SERIES 1998-1 No.: 00-8783 vs. JAMES L. HOOVER MARLIN L. HOOVER VERIFICATION OF NON-MILITARY SERVICE GREGORY JA V ARDIAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) Defendant, JAMES L. HOOVER, is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) Defendant, JAMES L. HOOVER, is over 18 years of age, and resides at 49 MOUNTAIN LANE, NEWBURG, PA 17241. (c) Plaintiff, LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 SERIES 1998-1, is an institution conducing business under the Laws of the Commonwealth of Pennsylvania with an address of 135 SOUTH LASALLE STREET, SUITE 200, CmCAGO, IL 60603. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. J V ARDIAN, ESQUIRE '~tm.ftf~~_\iimiif~~:t~1:S-tJki~:;~~k,""'E'k ":2",,..,,'" "o,,,,,,,,"k,\"';~'''''~Wi:~~:iiI~~---''' '- "'- ~_~~!/!r~" - iill1ll!illaT ijwl;-"'MllIIiIIli:illlW '.lllimljlj~~- -.l' 0 c: () c " ~;::: ~ -0 (';~ ~'.:J rr'j L!, ;.'(.1 : Z t. --, -'. I ~~?-::. U:o ~~::, ;:':', ~E: '- ) :,-:,1 Z ;;::) -~ :>- =< ::'-'u (::J -< ~ ..d~' ,-" ~,""'~ ----I>>' ~ , , . '.=,. ~ .....', '," ....' COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER TIIE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1/98 SERIES 1998-1 135 SOUTH LASALLE STREET No.: 00-8783 SUITE 200 CmCAGO, IL 60603 vs. JAMES L. HOOVER MARLIN L HOOVER, DECEASED 49 MOUNTAIN LANE "N'EWBURG, PA 17241 PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE TO TIIE PROTHONOTARY: Kindly issue Writ of Execution in the above matter. Amount Due $93,338.00 Interest from 4/5/01 to Date of Sale @$15.34 per diem $ $ Subtotal (Co~is to be added) V ARDIAN, ESQUIRE laintiff oJ.. h. " "'-'". :,E'. ~l_~" - i. ,< i :, fl~'o ,>, ALL that certain tract or parcel ofland and premises situate, lying and being in the Township of Upper Miffiin in the County of Cumberland and Commonwealth of Pennsylvania more particularly descnbed as follows: In accordance with a survey by Tom O. Bietsch, RS., dated August, 1967, as fullows: BEGINNING at a point in the center ofL.R No. 21041, said point being North 48 degrees 30 minutes West 56 rods from the Southern corner ofland now or formerly of John A Lay and Mary M. Lay, his wife, and now or formerly of C. Richard Wheeler; thence by said land of Lay and of Wheeler North 25 degrees 45 minutes East 9.93 rods to a stake; thence by the same, North 34 degrees 00 minutes West 29.65 rods to a stake; thence by the same South 60 degrees 15 minutes West 8.7 rods to a point in the center ofL.R No. 21041 afuresaid; thence by the center ofL.R No. 21041, South 26 degrees 15 minutes East 22.6 rods to a point; thence by same, South 48 degrees 30 minutes East, 13 rods to the place of BEGINNING. CONTAINING 2 acres 10 perches. BEING known as 633 Brandy Run Road, Newville, PA 17241. BEING the same premises which Marlin L. Hoover and Reba J. Hoover, his wife, and James L. Hoover, single man, by Deed dated March 24, 1995 and recorded March 24, 1995 in the Office of the Recorder of Deeds ofCumberllmd County, Pennsylvania iriRecord Book 120, Page 12, granted and conveyed unto James L. Hooyer, single man, and Marlin L. Hoover, married man, as joint tenants with the right of survivorship. PARCEL NO. 44-06-0039-005. ~:tWr.!'.-lli~#M""I'ij~;'W,,,*,:^:~g,1tI:;'}Wl"'W,,,,,+lli~'M~j"I')~"' ,"O,c' -ill:/ ill'Jii,,'l/;l ~ ."'",~,iO<"'"""'-,<,,,,::~,;.>,;!~,..' , "~~'_ K_" ..~~..._.-,,~ . ~ &. ~. If;] ., l'v 0 c:> ~ ~ ~ 8 ~ t ll..., t ::"'<. ,. ,~... (:J ~ ~ ':-0 f/j -ere: ; -- " ~ ..... - CJ;] c;~ -< , ~ ~ \ , . , . . \",,) ~ ~ 0 0 t, 0 C\ () '1 8 ~~~~; 0 C () 1-' C- ot <; 0 ~~~ -.,j ._; c"':' I f r ~"'~ ~ \ I I ( zC, :,,_:;Co1 / ~r ,-=0 ::? ~~ ........ >c: , ~ ~ :x; tv ~ .... r ~ IJ ~ ~ ~ ~ .... , -< ~ , ~ , ~ ~ , 2 , , &P , " 0 , . '" '" ... . ~ ~ '" "" -- '" ~ ~ ~ 8 " (@ ~,' ,.'. ~_ ;" 1 jLlilfJr lIT1 JJlI1II'IlUJ_L '~ "..~ "',~~, "~ "",~__ ""~_V~~""'''', "*,-".." . .' ,,~ .."'"'~...""'._~. ~'.,=- ~" \ LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORYJAVARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 SERIES 1998-1 PLAINTIFF VS. JAMES L. HOOVER MARLIN L. HOOVER DEFENDANT(S) ;" I '"~ i ':"fjliii~' " COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 00-8783 COMPLAINT IN MORTGAGE FORECLOSURE PRAECIPE TO REINSTATE COMPLAINT TO THE COURT: Kindly Reinstate the Complaint in Mortgage Foreclosure for an Additional thirty (30) days. Dated: 2/~! BY: If.Rii:L "Illll m~;,;'b,;',~~"':[rli"",",h'~~~0:i8,"'W,,,.~",,..li!i..;~i,A"" ,."" :;:S:i-l%j,'~ol<=.cb,' ,c,j;,,,,,,',i.,,,,,~ii!<<&,$i)j"".;f~l8J..I$-AA/m;~t~: :iliL'.J.' ~ MlrrT!lH ~"--, "', """'-"1':[ lI!fll/if'l!lll! o c:: ~, -off rnr~(' ~~." -< 2=":0 ~c) rC :z ::! """, ~~~"~_.~]= ,- C-' --., "'--'11 (;0 .t:" . ~ '~ "',:j ~ - -,-,~g -,.?,() .,"'t) .'~-n ,',-'.:-;::::"" ~L) '''''SCn ::'.-1 ""\:.'; ~ '< -;;1'" .-- ,:,? ;-.:> ,0 '. ~ ~ ~~ -''''"'~~j," ~ .^ 1.,1 .- . ~~, '.'1~ SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-08783 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ET AL VS HOOVER JAMES L ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT HOOVER JAMES L but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , HOOVER JAMES L RESIDENCE AT ADDRESS STATED IS VACANT, LEFT NO FORWARDING, RETURN NOT FOUND AS PER HEDY 1/8/01 Sheriff's Costs: Docketing Service Not Found Return Surcharge 18.00 10.54 5.00 10.00 .00 43.54 so~ R. Thomas Kline Sheriff of Cumberland County GREGORY JAVARDIAN 01/08/2001 Sworn and subscribed to before me this J(J"!:: day Of~ ;2()-1J J A.D. C lt~~{L rv.'P/~"", ,A~~ Pr onotary ,w~ '_'. ., ~. - ,<' '""",~,,",,"_~__.,,;;",,;s.:c_. SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-08783 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ET AL VS HOOVER JAMES L ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT HOOVER MARLIN L but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , HOOVER MARLIN L RESIDENCE AT ADDRESS STATED IS VACANT, LEFT NO FORWARDING, RETURN NOT FOUND AS PER HEDY 1/8/01 Sheriff's Costs: Docketing Not Found Return Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21.00 S~~ R. Thomas Kline Sheriff of Cumberland County GREGORY JAVARDIAN 01/08/2001 Sworn and subscribed to before me //^!9 d /l _v ay oR. /"1 l'" A'J this .2oD / A. D . q~L- t2 ~A,ipJU ~ thono ary / , LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1198 SERIES 1998-1 135 SOUTH LA SAlLE STREET SUITE 200 CHICAGO, IL 60603 PLAINTIFF VS. ;:rCOPV FROM RECORD In Ti "WherllOf, fllere unw fit my haRd ., - of said c~ lit CatlisIe, Pa. TIItll day 01 . ( :J:t"::,/ 9 ~~$1ev COURT OF COMMON PLEAS CUMBERLAND COUNTY rv._ rZ P'l NO. vv ~ Ci()~L ~~"1 COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 DEFENDANT(S) COMPLAINT - CIVIL ACTION 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 defense 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 NOTICE 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 Liberty Avenue Carlisle, PA 17013 717-249-3166 .. ". 1.<4:I1';\" . LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1198 SERIES 1998-1 135 SOUTH LA SALLE STREET SUITE 200 CHICAGO, IL 60603 NO. PLAINTIFF VS. COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 DEFENDANT(S) CIVIL ACTION MORTGAGE FORECLOSURE 1. LaSalle National Bank, As Trustee under the Pooling and Servicing Agreement dated 3/1198 Series 1998-1, (hereinafter referred to as "Plaintiff') is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania and brings this action to foreclosure the mortgage between James L. Hoover and Marlin L. Hoover, Mortgagor(s) (hereinafter referred to as "Defendant") and itself as Mortgagee by Assignment. Said Mortgage was dated January 30, 1998 and was recorded in the Office of the Recorder of Deeds and Mortgages in Cumberland County in Mortgage Book 1430 , page 431. A copy of the Mortgage is attached and made a part hereof as Exhibit 'A'. 'i:or-,~_' . 2, The Mortgage is secured by Defendant(s) Note dated January 30, 1998 in the amount of $74,510.00 payable to Plaintiff in monthly installments with an interest rate of 11.00%, 3, The land subject to the mortgage is: 633 Brandy Run Road, Newville, PA 17241. 4. The defendant(s), James L. Hoover and Marlin L. Hoover is/are the real owner(s) of the land subject to the mortgage and the Defendants' address is : 633 Brandy Run Road Newville, PA 17241. 5. The Mortgage is now in default due to the failure of the Defendant(s) to make payments as they become due and owing. The following amounts are due: Principal Balance $73,865.57 Interest to 12/1/2000 8,724.89 Accumulated Late Charges 1,043.94 NSFlProperty Inspections 165.00 Hazard Insurance 876.12 Taxes 1,418.14 Interest on Advances 42.58 Attorney Fees/Costs 3,700.00 TOTAL $89,836.24 plus interest from 12/212000 at $28.24 per day, costs of suit and attorney fees. 6, In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No. 6, Section 403 (41 P.S. 403), a Notice of Intention to Foreclose is required and the Notice of Homeowners' Emergency Mortgage Assistance was sent to defendants April 12, 2000. The Defendant(s) have not cured the default. . WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant(s), in the sum of $89,829.52 together with the interest from 12/2/2000 at $28.24 per day, costs of suit and attorney fees. Law offices of Gregory J avardian BY: ( '--.-,~ JA V ARDIAN No. 55669 -~ ~ ,'."t -' - ADJUSTABLE RATE NOTE (LlSOR 6 Monllllndex (A. Published io TIlt Wall Strm Journal) . Rare Cap.) 1'llIS NcrrE CONTAINS PROVISIONS AUJJWINGFOR CHAl'<GES IN MY INTERESrRATE AND MY MONTHLY PAYMENT. TInS NOTE LIMITS TIlE AMOUNT MY INTERESr RATE CAN CHANGE AT ANY ONK TIME AND lllEMAXIMUM RATE I MUST J'AY. PENNSYLVANIA us S ?L,;IC.OO January 30, 1998 Date b3J Brondy R", Road, ~e.vil:., Fl. 11241 (Frop<l1Y Add,,,,) I. BORROWF..R'S PROMISE TO PAY In rctum fDr a loan that I have received, r promise to pay U.S. $ 7/., ;10.00 (lhis amount is called "principal"), plus interest, to the order of the Lender. The Lender is f!:Qui tv DnA. ::-ncnrDorated . J understand mat lbe Lender may transfer tbis Note. The Lender or anyone wbo lakeS this Note by transfer and who is cntided \0 rt:~ivc paymenls under this Note is caned Ille "'Nole Holder. '" 2. lN1'EREST Inrc:rcst will be charged on the unpaid principal UDlll the full amount of principal has been paid. I will pay interest at an il1iljal yearly rale of 11.COO I. which. except for odd d.ys' inlercst. if any, will be applied 10 a 360 day year consisting of 12 months with 30 days each. Inleresl will be charged umil Lhe principal has beeu paid in full, 'fhe inlc:resl rate J will pay will chanj.c in accordance with Secllon 4. The intercsfnue required by Ulis Scttion 2 and Seclion 4 is the ril.te I will pay both bc-forc and after an)' default described in Section &(8), 3. PAYMENTS (A) Time and Place of Payments 1 will pay principal and interest by making payments eveI)' month. I will make my moolhly paymcnts on the first day of each monlh beginning on JI.prt1.' . ~~ I will make these paymenls every monlh until I hive paid all of the principal and inlerest and any other charges described bcJow lbal I may owe under lhis Note. Unless applicable law provides otherwise, each of my regular monthly paymencs will be applied tirltlo accrued and unpaid interest as if lbe payment is made on its due dale, regardless of when the pay~nL is ac:tuaUy recc{vcd and tM remainder, if any. to the unpaid principal balance. Any late charges. collection cases and expeqsc:s, dishonored check charges and payments made by 1I1P= NOle Holder to enforce this Note and/or to prOlecl the Nore Holder's inlercsts under the Security Ins.trument (as defined in SectiOD lJ) will be assessed separately, )(, on March " 2028 ,I still owe amouRIS under this Note, I will pay lbose amounts in full on thai dale. which is caUed the -manuity date, <l I will make my monthly payments at Mrm"t r.A11t',.~ ~ f\:' n~n~l 523 FellowshiD Road. S~~tP. 220 or al a dHfercnt place U required by the Note Holder. (B) Amount of My Initial Monthly Payments , Each of my initial moPlhly paymcDtJ will be in the amouat of U.S. $?O~, 58 amounl mAY change. This (Cl Monlhly paymenr Changes Changes in my monthl)' payment wiU relled changea in \he unpa.id prlneipal or my lean and in \he. interest me that 1 mu51 pay. The Note Holder will dCk:rminc my new inlerest rale and the changed amount of my mondUy payment in accordane.: wllh Section 4, 4. INTEREST RATE AND MONTHLY PA YMENT CHANGES 'ibis Nole is Dol payable In IDslllllmeats Dr equal IID.unls. Uuier IDslallJnenls may be due as provided be..in. The inlerest ralC in effece 00 the date DC Lhls Note (-Inilial Rate") is 11.000 % per year, which. except for odd days' IDleres,. If any, will b. applied to a 360 day year ..nsl.llog af 12 monlhs willl 30 day. each, The intcccst rale I witl pay may thanr.e on the. first day or _ Ha.rch , 20CC d.oo on tI1at day (:very 6lh monUl Ihereafler. Each dalC on which my inlCresl cale could change is called ". "Change Dale.. Beginning whh the firsl Change Dale. Lhc Interesl rate will be based on an Index. The "Index. is the average of i:lterbank offered rates for 6 month U,S. dollar-denomim:.led deposits in we London market ('"I...IBOR") as published in !he Wall S/reel )ourndl "'Money Rates'" table. The .Cumn: ir,dcx" is the most rec~n' Index value available as or the dale fony. ri\Oe (4~) days before each Change Dalt if such dale fans on a Friday or, if such date does not fall on 8 Friday, then Ibe 'CUlTeRl Illde,"" is the most recent Index value available as of the Friday irnmediately preceding the: diue rOl1y.five (45) days PA. ISTi"'OI AA~e U80tt. 6 MONTH lNOEX MTO NOTE (NO 'PPI ~. 'IONTH DISCOUNT/MONTIIL Y SIMPUl . oENERIC (91)~96) PAGE I OF ] 1\"l'29tAJl;,PM " ., O<"""'-"''''''''''~_''' ~. ~ '<~':....." 1 ~. " ~ll!II~"'~~'W " before each Change Vale. Before each ChaDse Date lhc Note Holder will calculate the new iotere.st rate, which, except for ad)' odd dayS' inle-rest upon prepayment in full. will be applied to a 360 day year consisting of 12 monlhs with 30 days each. by adding 7.500 pettenUloge points (the -MirBin-) to 1M {;umnt Index. When a new flte it dctennincd. the rate will be rounded to the Dearest 1/8 %. The NOle Holder will then dcterm .ne the amount of the level monthly payment that will be sufficient to repay the Chen unpaid principaJ in full by the maturity date of this NOlc. usuming that all delinquem payments are matlc and lb..I all future payments are made when due. A.llbe fust Change Dale, the inlerest rate will DOl be increased 10 more than ['\VO (2) pcn:;emage points above the Jnitial Rate and, al all subsequent Change Dales, the interest rate will never be increased or decreucd on any single Change Date by more than one (I) percenlag. pcllUltom Ih. nl. olln'er... eh"gcd during me preceding ,Ix (6) monrh" The mlerest "lie will never be greater than 17. Deo percent per year, nor wili it ever be less Iban one (1) perc~ntasc poinl below the Initial Kale during the entire term of lhis loan and at DO time duriag the term or this loaD willlhe rate tx: increased above the ral. permlncd by law. The new mtcresl rale will become eff""tive on the Change Da'e. The new lIlOnlhly payment wlll begin on the (irsr monthly payment date after the Change Dale and will remain in effect unli! the monthly payment changes again. The Note Holder will deliver by mail to me a notice of any chang:e in me inlcrcst rale and lhe Amount of the new monthly payment II least twenty-five (25) days before the effective date of any payment change. The notice wilI include iDrarmalion required by Jaw and possibly cerrain other infomation as well. E~cept in che case of a Current Index and Margin less ilian one (I) pcrccnlage point below [be Initial Rate and subject '.0 the ~rcenlage point ltmitations on rate ehanges described above, rite deerc'lses will be. mandatory upon decrc.ases In the rodex determined on Change Dales, but rate increases based upon incrc:sies in lItc Index will be optional with the Note Holder. HDwever. lhe faer thac the NOle Holder may not have made a pennissible increase ill whole or in part wiJI nOI be considered , waiver of the Note Holder's right subsequently 10 make any other pennissible increase within the Iimlu staled in lhis Section I, A~jusUDents in the rate will be given effec1 by changing the dollar amoums of remaining equal monlhly installmenu so 113\ lhe Ictal anl\lunl due under lhis HOle will, if aU delinquent payments are made ancS aU fu~rc- payments are' made when duc, JC paid by the original maturity dale of lhis Nole. As slated in Section 2, however, interest will acerue until payment in full s actually made. ;. INDEX SUllSTITUTION I .gree that if lhe Index Is no longer made available, the Note Holder will selcct a new index which is comparable 10 he disconlinued Index and the Note Holder wUl notify me of the: change in the index, BORROWER'S RIGlfr TO PREPAY lltave die right to make payments of principal at any time- before t.hey arc due. but the NOle Holder may apply any -=-ndertd payments first ~ any amounts then due and owing under this N<<c Q( ~~r the Security InMrumen\ and theD lQ ,rincipal not ye[ dUe. A payment of principii only is known as a "prepaymenl. " '. J may make a full prepaymenc or panial prepayments without paying any prepaymenc penalty. The Nole Holder will se all of my prepayments 10 reduce !he amoutU ofprincipaJ that I o~e under this Note. Jf I make B partial prepayment. there ..m be nO changes in me due daleS or amounlS of my monthly payments untlllhe first paymenl due after the firsl Change Date Jllowins my panial prepayment unless me Note Holder agrees In writing fa those changes. My partial prepayment may ,duce tbe amounl of my monthly pay...n.. .Itt! lbe firsl Change D.1e lollnwing my partial prep.yment. However. any :ductioa due 10 my panial prepayment may be offICI by an interesl rale lllcrease. Except as provided in Section 7. lhe Note [older e.rns aay prepaid finance charge at the lime the loan is made and no pan or it will be refunded if I pay in full ahcad r ..bedole, LOAN CHARGES 1(.. Jawor regulation. which applies lO mis loan and whleh seu mui:num loan charges. is finally interpre1ed so thaf the: llercsl or other loan charges collected or to be: cOllec1Cd in connecdon with lIIis Joan exceed the pennincd limits, then: (i) any Jch intefCsl and/or other 101D charges &ball be reduced by the amounl ntGc:ssary 10 reduce the inlCrcsl andlor other loan 'Iarges lQ the permUted limit; and (i1) an)' sums already coIJeaed from me which exceeded pcnnined limits will!)C: refunded ) me. The Note ttolder may thoose 10 make this reruml by redueing Ult prineipa\ t owe under mil Note Ot by making il diR!:t lymeol to me. If a refund reduces principal, the reduction will be uealed as a panial prepaymeDt. BORROWER'S FAlLtlRE TO PAY AS REQUIIlIlD (A) Lale Charges for Oveldue Paymen.. II the NOle Holder has nOI received me full .mount 01 any monthly p.ymenl by Ihe end of filteen (IS) calendar day' ie, me d.le II is due, J will pay a ...e charga \0 the NOle Holder. The amount 01 the cbarge will be five percenl (S%) 01 y scheduled payment of principal and interest. I will pay this late ehug~ promptly but only once on each late paymtnt. Any Ie charge will be in addition to interest Qn the lhen outstandin8 principal. (8) Default Jr I do not pay the full amount of each rooDlbly payment on lhe date it is due. 1 will be in default. If J aM in default d the original prioclpaJ .mount ollbi, loan I' over $SO.OOO. lbe No'e Holder m.y require me '0 p.y immediately rhe rull _paid principal balance plu$ accrued and unpaid inlCrCsl and any other amounts J then owe under this loan; However, If the Iginal princIpal amount of my loan is $SO,OOO or leIS, and I am In defaull, !he NOlI!: Holder wDl Sl!:nd me a written notice ling me thai if I do Dot pay the overdue amounl plus pemrltted costs and expeoses by I cenain date lb.e NOlC Holder may 1uire me to pay immediately the fuU unpaid principal balllIlce plus accrued and unpaid Interest and Bny other amounts I men Ie under this tear!.. Thill dale must be allels.t '30 days after the date on which the noli.cc. il mailed to me or, if it ,\ not liled. 30 days aflcr the dale on which it is delivered 10 mc. 1ST/ADJ. kATE LlBOR 0 MONTH INDEX MTO. NOTE INO ppPJ ,'10NTH [JISCOUNTIMOtl11lL V SIMPLE. OEt'EIUC (V/JO/061 PAClE20f) !Io'll9lAll:.PM ,~'. " ~ ,.",o~, .. (C) No Waiver By NOle Holucr Even if, at a lime when I am in defaull, Ihc Notc lIalder does nol require me ~o pay immc;diat~ly ill Cull as described above. the Note Holder will still hav, Ihe right to do 50 if 1 am in deCault at a laler lime. (0) Payment of NOle Holder's COSlS and Expenses tf I default. whelhtr Of nIX lhe Note Halder bas requited me it) pl\Y immediately in full as described above, the Note Holder will have the righe to be paid back by me for all DC its costs and expenses in enforcing this Note to the e;Jltcn~ not prohibited by applicable Jaw. Those expenses include, (01 exampJc~ reasonable Iltorneys' fees not proldbited by applicable law. 1 will also pay a charge 0(S10 plus any actual bank charges foreacb dishonored check., draft or olher inslrument issued by me in payment 00 this loan. 9. GIVING OF NOTICES Unless applicable law requires a different method, any notice lhat must be given to me under this Note will be given by delivering it or by mailing 11 by first class mall to me at the Property Address above or at a different address if J give the Note Hokler a notic.e of my different addRss. Any nolice chat musl be given to the Note Holder under this NOIe will be given by mailing it by first class matI tQ the Note Holder at the address staled in Seclion 3(A) Of al a difterent address if I am givcn a notice of that differenl address. lO. BORROWER'S WAlVERS I waive m)' rights 10 require the Nole Holder 10 do certain l.hings. Those things are: (A) to demand payment ofamounu due {known as NpresenunentN); (B) 10 give notice that amounls due have not been paid (known as -notice of ~bhonor")i (C) to obtain an official cenificalion of non pay men I (kno.....n as I "prOteSIN), Anyone else (i) who agrees to keep the promises made in this Notc. or (ii) who agrees. to make payments to the Note: Holder if I fail 10 keep my promises under this Note. or (iiil who signs thiril Note to lransfer it 10 someone else (kDown as "guaranlors, sureties. and endorsersN), also wai\'es these rights. U. TIU5 NOTE COVERED BY A SECURITY INSTRUMENT A Security Instrumem of even date containing a description ot my real property protects the Note Holder from possible losses which might rcsuh if 1 do not keep me promises whit:h 1 make in this NOle. This Note is secured by that Sccurity fn.slrumellt. Thai Security Instrument describes how ,nd under what condilions f may be required 10 make immediale paymenl in full of all amountS that l owe under lhis Note::. If I do not keep the promises which I make in this Note, 1 may lase. my rcal property . 12. RESPONSm1LfIT OF PERSONS UNDER TIllS NOTIl If more than one person siens this Nole, eaeh of us is fully and personally obligated 10 pay the fuU amouDI owed plu5 .he charlcs AS described jn Seerians 8(A) and 8(D) and 10 keep a11 of Ihe promises made if) this NOle. Any guarantor, surety. or endotscr of the Note (as described in Sectlon 10) is also obligated to dn IheSt Lhings. The Note Holder may enforce its rights ul1der Ihis Note againsl tach of us individually or against aU of us togc;ther, This, means that any OM of us may be required lu pay all of the amOUO($ owed under thiS Note. Any person who takes over my rights or Obligations under lhis NOle will bave all of my rights and musl keep all of my promises made in rbis Note. Any person who lakes over the rights or obligations of a guarantor, surely, or endorser of this NOle (as described in Section 10) is also obJigil~ed 10 k.eep all of the promises made in this Note. 1~. AI'PUCAIlLE LAW Tbis NOIC is made pursuant to the Altc:rnalive Mongage Transaclion Parity Act of 1982 and applicable regulations. Olherwlse. to dle atent nOt preempted by such act or reg,ulatiaui or other applic,abte federal law , Pennsylvania law governs this NOlt. In the e\'cnt of a conOiel between any provision of this Note and any federal or PCMsylvania statu~c. Jawor rcguhlliOll in effect as of thc <laic of this Note, the Statute, law or regulation shall contrallo the extenl of such connict and the cooOictiag provision 4:ontained ill tlds NOle shall be wilhout erfect. All orner provisions of this Nou,: wilJ remain fully effective and enforceable. WITNESS THE. HAND(S) AND SEAL(S) OF THE. UNDERSIGNED, (ScaI) ~~~ Hii:S L. HOOV~R (Seal) Borrower (Seal) Borrowe( ISeal) BOITDwer lJorrower (5eal) Bonower (Seal) Borrower PA IST/^DI, RATE Lllloa 6 MO"''TH INDEX MTu. NOTli INO I'''PI 2~ "IDNTH [lISCOUtlTJMDNTHl.Y SIMI'l.E. CENER.1C [WJOI96} PAGE) OF} N'T'29IAJI.PM ,< , . ~ , ,"~ o^ ;.3/f3'~0 " r- "3~' \ o ruu 66'/"fY/ , --r -'-' -. -/ \,," MORTGAGE 3)/ .JanuarY 30 ~ ,199L. I wbose address nus MORTGAGE ("Security Jnslrumcnl") is ~yc=n on Th. IDor!&aaor II JAMES L. HOOVER and I~Rt.IN L. HOOVER i. 611' Bra.ndy Run Road. Newville. PA 17241 (-BolTOwcr"). Tbb Security tutnlmetll is livea to Eauitv One. Incorporated wbicb is orpniud lad cltistiog uDder !he laws of 'PAt'lnay' vnT1~ R I aad wbose address is )909 TnuiRl'! T"!l'iVRr Rl1itp. 1n6. 'Me~h8n1MbuPIl. PA 17055 : (.Lender"). BolTower owes: Lender the priDelpal sum af Seventy-four Thousand Five Hundred 'l'"Rn l'I:nd No/100 Oollan (U.S. S 74. SfO.OO " This debt is cyidCDeed by Bonowct's Dote dilled tbe nUll:: dale '-S lbis Security Instrument ("Nolo"). wbicb provides for mODlhl)' paymcots wid! th~ fun debf, if JR't paid earlier, due Bod pAyable OD March 1. 2028 ; lbl. Security initrumt:l1~ &ccUte:s to Lender: Ca.) lbe tcp3)'meut oftbcdcbl evldeaccd by the Note, with iDlerest 1'1 rate which lDay Vlry from time 10 dme. aDd aU I1:Dcwals, cxleusioas nd modifications of the Nole:; (b) Ihe pIlymcnl of all other sums. wIth iolcre.sl at .. rate whicb may w.1i)' from time 10 time. advauccd under paragrapll 6 to prolect the sccurity of tbb Securi()' IDslrumeD(; aod (c) the pcrfOnD&DCC of Boaower's co\'CDtnls atid agrccmcou under lLi. Securily IDStrUmlCot and the Note. Fol'" IhC/lC purposes Boncwct does bereby IJI.Drtgll&t::, graot Iltld conve)' 10 Lender the followiog des:cribed property tOCilted In t'!1lll1hp'l"lAnd Counry. CommoDweallh of Peunsylva13ia: to "" -n ,." ;:;:; iii :~ :; :.;~ -J: ~ g ~~ '0,':': .;:: -0 oOt... ::3 0'"";= C::O.. ...... ZFTI~ If this box is checked see: Schedule A aDJJeJ::ed bcrelo and tnll.dc a part ~f;:;: ~ ~ <D .~U'l p.'. .- .., wbich bas tbe address of 633 Brondy Rim' Road (5lreel) '7241 C"Prope<ty Add_"J; Newville (Ciry/Cooory) . P,,",,ylvhl. (Z;p Cod.) TOGETHER WlTH all the improvemenls DOW Df hereafter erected 00 the property, aDd an easements. rigbU. appuMDaJH:a. nats. rayaltics, lDiacral. oil aDd all rI:htl aoe= profts. water righls acd JtOCk aDd all fixtllres naw Dr bereafter a part of the psopcrty. All replacements: ,JUt acJdil.ions Jibal) also be covered by dlis Security InstnLmcul. All of thl fcregoloJ: is referred IQ in this Security Instrument u the "Property." llOIl.R.OWEll COVENANTS Ibal So"",""r i.Iaw\\JUy ..ised ollbo ..ta~ bereby "".voyed .ad baa !be right to mottplO. iraQl ..d CODV.Y Iho Property and' Ibal aha Properly Is uncDCIQIlbc:red. excepl for cocumbrances of record. BoEIO\Yer warrants and will defoad leacrally the tide 10 Ih. Pruperty apiDEI 111I . claims and deiDandll; aubJcc:'- 10 aD)'. eDC\lDlbraaces of moId. Borrowcr and Loridc:c aJveaaat and .gree: as followl: 1. PlI)'IlIonl of PrIncipal, Xnlol'cSl and Other Cbarges. Subjcc:l.o p""'Irapb IIi. Bonowcr aball promplly pay wb.. duo tho prloclpal of ..d iol,,",' 00 tho debt OYId~ by tho No~ aod IDY lole charges. COUcedOD COIlS aod e:xpeoses ..ad disbonoted check charges u provided in lhc No1c. 2. Appracation DfPD)'meDts.. UmtsJ applicable law providoi alllCwwiac, Leader will apply c&eb af Barrowec's regular moothly payments undet Ibe :"lOIc fin, to accrued aDd UDpald iDle-mlt UDdu the NOle as if the paymeDt Is made Oft itl dllC 4ate. rc&ard(~ of wbo the payment Is actually recc1VN aad tbo rr:maiDCler. if .py. to tbe uppaid pnDcip.1 bAlance: llhdcr Ihe. Nola. Aay late charges (5" of ..af pB)'JaeDt Dot made by the IeUd of 10 ealcadn da)'S afWt tbe date IllS dlSo). colJectlol! costs and expeOIl". disboDOml check dJargcs Bud paymcnls mad~ by Leudcc to enforce Ib~ Nol~ .ad/or to protect Lender'. iatcruts vader ibis 5cco.;ly Inslrum..' will b. .....sed oepar&lely. 3. Cbai-E,e5j Uenlii. BamJ'NCt 5bal1.pay-til.I'~eI. ICSesUDCOlI, ebugcs. fin~ lod iD'J~B1lioD8 an.ribulable to we Propct1Y wblcb ma)' Atud'lJ pnorit)'.oVC! ibis ScetirilY IDSlNmClLt. .ad leasehold paymealS or ground 'tents. if 110)'. BorroWer uatl pi)' lhes'-.obn~"~:oD.~~m~,dl*l1y,to.thc persOD owed paymcat. BoITOwer' shall prompdy {umbb to Lender.in ZlDI~C=: Dr'lqipU-DIS 10 be paid under Ihill paragtspb, .nd receipts l:videacipg 5uch paymc:nl.5. ' . .....IIT/AJ)..V,U MOaTOAoe. <JerelUc(1/ISiMl MOHTHL't' SI:llOUt ,^Ol!l.U UQ04IAa.pJoA Bod430fAGt .431 ~~,'. ~\.. ;: \. ,. ~ '. . " , '. Borrower thall promptly discba[cc InY litO which hu priority over tbis Sccurity lD:1trufuCDI \lU.15 Borrower: (a) a~ ia wriUaC to Ibe pA)'fDCIII of tho oblisalloD Jec\lRd by lb. lieu In 8 mlDDlr ac:ccpuble. to Leader: (b) eoa.1csI' ia cDad fallh the lieD by. or dercnds IcaiDS' enfortcmcol of the lin io, Segal proccedloa' which la l.cIldct'l opiDloa op;ratc 10 pmocnt me ClSfOtqCUlCDl ot'the lien; or (c) secures from the bolder of the: liCQ au agRUDel1 catlseaclary ,to Leader luLotdinalihS the Ueta to tbi. Security IDstnlmlCDt. If I..eDdcr dc1ermiDCIlha, any part otlbs PlUpcrl)' I. IUbject 10 .1I~a WhIch tnB)' attaha priorit)" over tilts S"llril)' [osuumcn1.. 1...=des m.y zin Borrowlr a. Datke ident1fyinl tht lien, Bonower sbrdl satisfy tbe lieD Of tab ODe or mote of the aetioDs let: forth .bove wlUda 10 days oelh. iivJaa: Dr Dotlce. - 4. Hazard or Property Jrasurllnce. Borrower shall keep tho hllprovtmc:ats DDW exlstlDe: Dr. h.,..l\", otedcd OD tho Praporty I...ted .,.....t I... by fir., bazards I.eluded ..lhllilh,e lOmI '..;;,Oded coverage. ad uy alber blZlldli, !ncIudiaJ: floocb or fJaodIac, ror wblcb Lcl1dcr rcquira la.uruce. This iDSlIrBoee sball ~ DJalat.alncd ia the amollQIJ aod far Ihe periods thai Lellder n:qull'Cl, DOt 10 exceed tIIs fuU replacccqCDt coli of Ihc bolJdlaEI aad hnprovclDenf.C 00 lba Property_ the ImurallCl camer provicUnc lbe IDSuraacc shan be chole%l by Borrower subject 10 Leader's approval which shall 001 be. uarcuoaabl)' withheld. lfBotTDwcr fai1slo -malDbh:a ~vonlD d.escribed abeNe, Leader 1XlII)'. at La:adcr', optloa, obtala covera&e to protect Lemfec', ri,:lIlJ ill the Property iD accordaoce with pata1;:npb 6. All iaSUr2Dce pollcl~ lad "newar. must be ~pb.blc to LeDdcr IInd malt iacludc . standard mort,.p clause in Cavor of lad 10 a ferm aoccptJ,ble 10 Leodct. Leeder sball havCl tIIo riebt to bold the policies and re~ll. If Lender requires. Bonow.:r sb.1I promptly Ilve 10 Lcudllt" all receipts of pllid premiu[QJ .ud Racwal OOtK:es. Ia .he: tWeal of Joss, Borrower sballgive prompt Dotice lo the illliUra.oc.C carrier aacl Leader. Loudu may m.ake proof of '01:1 if nol made promptly by BanoWet. Unleas l..c.odcr nd BorfOwet' olhelW\sc agree il\ writkC. lmuraacc ptOQeCd'1 JbaU be. Ipplied tCl fcsloPltioa or repair aflhe Property dlm.aar:cd, jf the restorallon or repair is ccanomicetly feasible aud Lead"', ,ec:urity Is 401 lesseaed. If tho ..COralion Dr repair iI aal ecODdlDicaJly feasible or uader', sccurily would ~ JCfleaed, the iasuraoCf procoods shill be applied to the SUUUi Jr:cun:d by lhls Sl!lCurily IllStNau:nt, whether Of DOltbca. due, wJth.D'Y CXCCJI paid 10 bonoWCr. JfBotrowct abaadol1S' the Pl'operl)', oc does Dot aaSWCl' whbia 30 d&)'s . aotkc &olD. J..ecu:Jcr 1II_r lho lo$u,.QCC carrier blS offered to ac:ltlc a claim, Iheu Lender may .:lollect &be iasunacc procccdal. Leader may use the proeccdSIO repair or rcdore the Propel1y or to pay sums (5eCUrcd by dli. Security IustNmcat, whcdtcr DC nolthea due. The. 3o-d.a)' period will begio who.. llic. Dotiu lr. liVeD. . :~ UDlen Leoder I~ Borrowct otberwise agIU- ill wri1iDI. auy Ipplicltlo.a ofproc.ceds to principal sban ~I extend or poslpoQO Ill", due dale of me mODthly payments. rc(c:,am:llo h:a plllagnph 1 or CbSD,CC the IlIlount oCtbe paymeols. JflUldcr pani:gnpb 11 the. Propt.rty is acquired 'by UDder, Borrower's; right 10 au)' insuraDcc j1oUoies aDd proccedl rca:uldb' fulm dalD.IO 10 tbe Property prior ta the _r:quisllioo shall pasS 10 Leader 10 the exlebt of \:he sums sacurod by ibis SQlurity In5Irumcnllmmedillcly prior to the leqaisitioa. 5. Occu:paDtJ, Preservation, MaIntenance and ProfecCloQ of the Propert],i Borrowu'l Loan t\ppllcall.nl Leaseholds, COndomlnl.....; Planned Unllllevel.pme.ls. UoI.., Borrower" I... oppli"tlo. .ad Lender's 10111 .ppru-vll pro'Vldcd thlllhc Property WII DOt lOIluired to be occupied IS Borrower'. priacipaJ raidcacc, Borrower .hall ~up)', eltabnd.. and use the )Iropc:rty u Borrowe.t"J principal lVldeacc wichia eo day. af\ec the execudoa ofthi, SlCCunl)' IUI'rumeallad Ih,1l conti Due 10 occupy die Prope:.rty .. Borrower'. rriaclpal rc:sldcacc Car It last 1 )'eat Ifter the dlk: of DCOUplUCY, unlesl Leader otherwise agrees ia wril1a.&t which COGscat sball Dot be unRNODably withhcld"or ualess UteDuatJUI: cltCUmliWlCCl exist which DR be.yo.ad lJorro~'. caUlI'D1. 'Bonvwer shaU .DOt deslro)', dlIDIIO or impair the Property. lUow tho Propctty ID dcfcriolWolc., at commit WISIo DD the Ptoperty. Borrow!!:r shill DO. permit. or ba .Ueged 10 have ponalne:d, die Praporty 10 h4 ulDd in ........... wilh ..y iUepl ec'IYlly. In 1h,' rcprd, Bomwet' sholl h4 I. defaul' illD)' forfdblte actioD orprocecdiDI, whetber civil or crilliinal, is bqua Iba' ia Lcuder'J good faith Jud,IDc;Q1 could IOIUit 10 fod'eitu<e .r Ihe PlUl"'ny or .th,rwiJ. malerially impair the U... .....ecl by 1hI, S....dty Jostl'1lD:lcat Dr Leader', sccurily iatenlllil. Borrower ,.... Rlo.be I~ dofault if Borrowr::r, duriDg Ibc laID appllCllloa plO0es51 pve materiall)' fabe or lll~nne iafonnltloa or ''''CI'd8Dts to Lot:adcr (or f.11ed 10 provido LeDCler with laY ma.erial iuformatloa) ia colURClioD wltb tbo Ioau cvideaccd by tbo Note, laeludia,. but aollimilod 10. rcp~tatlo.as coDcemJDI: Borrower"s DCCU~acy oflbe Propel1y u. priacipal roalde:acc. If dl1s Security INttutdcDt is OD . leasebold, 'Bonowc:c shill c:Dmply wiUl 1111 lbe provisioDS of llIe leue. If Bono_ acqulr.. r.. 1111.10 lb. Pr'I"'l1>', Ibeleasch.ld ...d lb. fcolltle ,b.n ..t IDees, .01... Lcodee .g.... I&l lbe mcrecr I. wntiag. tfthia Security IllIlt"Ilmeal IloG. Kall to I toDdomluJum or al'lllDDcd Ullll devclDpmeat. Son'Owa' ,ball ped'arm all of 80n0Vm"I obJigatlan. uDder Ibe d=IaPl.ioD Dr caveDlDIs Cl'C8lina Dr CDvenUPI ahe cOMOllliaiUID Dr pl.ued uoit dcvcJopmeal, the by.laws aud rcrulUioas of the c:ondotAiniuln or plaDDcd uail development aad coDstitueAt doeumc:otl. 6. Protection afLender's Ri&hts In t'he Property. lfBorrower flU. to porfDnD the ca\ICDaall Mod alRCmCJJts cootJlncd in Ihls Security Jaa:lrumenl, ar there II. Jeg.1 proceeding lbat may liplfi~Dlly affect 1..endet', ril:hts in the Property (such u . procudihlla baakruptcy, probalc, fot condomDltioD or f()rfeirutc: or 'D 4utforce.laws DC' 1'CsuJatiolls). tbcn Lender may do aQd PlY (or wbllcve( is ncc;cssaC)' 10 pro~ tnc yalue or tho Property aDd Lender's ri&bU in the Propotlr. t.cAdcr's actions may Joc::huJc p.yinl any SUCOI secured by. lico whJcb has priority oyer ibis. Security JRltrumeoh ~)'iIlJ ins\lraocc prem.i~IIIJt appearlD& in ...... ISTlAPI. RAn. NOR.TOAOJ,. oeNVUc: CfJlSlMI ~OtIJHL T IIIDLB 'A0E2t46 NOOfiI"'.'.v. ilQud430rA~ ,432 J--". -~,' ,'~h'- ,," ,> :.. ::: :':~;: - ;'-, ':' , .' :,n courc. paying reasonable attome)'l' fees and Aleria!: on Ihe Propcny 10 mw repairs. Althouch Lead<< mlY take "dOD vader this paraJ:raph 6. Lcadcc does GOt bave to do so. . . MY &D10UOls disbursed by lAnd" uDd~ tbb p.ragclph 6 sball ~ma additionall;le:bI of Borrower secured 'by lbi. Sccurity IItJICUlDcat. Unlen Borrower and teudcr agree'tD olher 1uD:1. of pa)'meat, Iheac &moudlban beat laterC5t fraRllhc date- ofdilbUISCmCllt &Idle rale thca in affect uDder the Nota..-.uc:h nle may diaDIC from dID' to IIID.lf pcnIlJUed by lAw Dr, If 001, .. Ih. hlJbcotlawtu1 ral. ..d .ball be payable, togelhu with ,ucb Interest, upatl Dotlce (rom ~ct to Bonowar ~U"tiDl pa)'ment. 1. Inspection.. LaDder Df its Ilent may make ICUODlIblc ClItrlcs upoo and impectiODS ot rile Property. Lcuder shalllivc BonuWCf police at ~ time of or prior to In impaclion speclfyblg ~onab1e-_ cause for the iDspec:Uoa. . 8. Condemnation. The proccc.d$ of aOf .wacd or claim for dalpa&:~1 dlm:t or oonscquentlal, 10 cC;lImccdOIl with a.Y' collClcmDlltiDD or Dther taldDg of lay pari of the Propcrt)', or for coDveyaoce fa lieu of coddclDnatJoD. arc heRby u.wi,uecl aDd shall be paid to l.eDder .,.d appUcd to tt ~ IJDOUDt scc;urcd by lhi, Security [uINmCDI. Aay cxccu will be. paid to 1hc pen:ou IcplJ)' entitled 10 it. [e Ihe Property II abaudoncd by Borrower. or if, after nolice: by Leader to 8orrowu that the eoadcmDCf offers to make au awatcl or ICtIlc a. claim fot damagcs, BonoWef falls to ccapood 10 Leader withiu 30 day. after '\he date tha aotice is livcD. ):.codar i. authorized 1(1I oollc:cl cad apply Ibe proceeds: I at its optiOJl, chbcc to tIlItOratioD or repair of the Property or 10 Ihli: $u.ms secured by Ibis Scc:urity Insttub:lCit, whether or Dot Ihcu due. Unless Lender al:ld Borrower otherwile IlgI'U: lu wrltiOB, an)' _pplicaljoo DC proceeds to principal shall Dot cxtcad Or pOSlpOP the due date of the moathly payments rdctl'Cd to io pangnpb I Ot chao&1ll the amDual of neb paYll1eDlI. ,~ Borrowerilol Release"; ForbeBrBllCl By Leader Not a Waiver. ExlcnltoR of the lime: fer pa)'mcmt DC modification of amodlPUoa of the sums ucured by IhiJ Security [DStrumc.ut IfIlbtcd by lADder to Borrower or to any .ucc:cssar ill inforM otBorrower Jiball DDI opersl" 10 release tbe liability of tile orl&iDal Borrower or BoaoWCf'1 wccuson: I.. latcl"CS[. Loader Ih.1I aol: be reqlllred 10 commcar;:.e proceodha,s AS_iall ...y sucecslor in iatacst or refuse to cxlead tlme.for paymcat or otherwise modify amortization of Ih~ ..UlU"... secured by Ihls &curtly [mlfUmcal by reasoa of aay dcmud tuade by !he origil1lllJorTDWCf pr Borrower', r;UCCClson: llllolerest. Any rorbearaacc by Leader in exercisiq an)' riz;nt or'Rmedy shall aOI be . WJlivcr of or prcchade tbc excrcbu: or any rigbl Dr ~medy. .... 10. Successors and Assigns Boundl Joint and Several LIability; ea..siJn.et1I. Tbe COVClOllDlr aad agreements of &hI. Socunty lDJtrulDc.ut shall biod and bcDefit the: SUcce.ssaR and I"ieus of 1.cJ:lder aDd Bomwec subject \0 tho: plOvilioDS ofpuqrapb 18 (8). BorcD'oUa", ~venanfs aod az~CIIl$lbaJl bojoillt Nld sevemI. Any Borrower who ca"'lIas dlls Security IDdrUmcat bill does not exec."" th Note:: (a) iI eo-- sigmns WI Scc:urily IDllrUmca.1 aal)' to ~arlpp, Inuland caRVey that Borrower', ialtlt'Olt In the Property \I~ the terml or thll S=urity IDSIIUlllccl: (b) II ACt ponoaaUy ohlipled 10 pay the. $UalIlGCurcd by Ibis Securiry lutrutllcot aad (e) .CI'CCS lII.t Leader I&ld In)' other Borrower JUl.)' agree to Cl.tcad, modif)', forMat or make IllY accoDu:aodatioal witb regard to the leM' of thll Security Iostnlme:at ar the NOI6 withaut thai Borrower', caDSCGt aM wilhout thwoby impairing thllllt Boaowcr', ablip.tlous aad liability hBnSUadec. " 11. La"" CllU'ges. If tho IDaD ...1UOd by thl. Sa:urity '.....ID..' b ..bJ"" 'D . I.... or ICgulatioD whIch, sill DJ,nimulD loaa cbaracs. .nd OIa' law or replatioa is fiully lall:rpteICd so Ib.t lb. iDlctc:lt or other laall cbarJes collected or to be collecwl la CODDeCtiOG with the JDaD cxcoed the pcrmiued limits. thca.: (8) aay such 1I11tcre.st aadll)r other 1010 chareet sbaU be ndueed by Iho QDouat IIClCeSsary to red... tho 10...... aadlor Dther IDalI cbas&eo '" lb. pcnIli.od IIIDIr, ..d (1)) ..y ,Um. a1roody ..Uoclod froID BolTOW'cr wbic:b C:lccedcd permitted Jimlt$ will be .auDded. to BoIrowcr4 Lcoc:h::t' may phDOSC to loW dill refund by reduciag lite priDCipal owed uadcctbGNoEc ar by maklac a dlrocl: paymDlll to Borrower. Ifa rcliIad ndu.cu priaciEMI. tho redllClJaa will be Ircatcd u a pll1lal pRpIIym&Dt. U. Notices. Any notIce to Borrower provided for 10 Ibis Security IDIlrUtdl!Dl abaJl be givaa by deliYCdaa it or by to.mOl i1 by first cJass mail umen applicable Jaw rcguiros uss of another metbod. The .D'l....ball be d1lOClod to tho Ptopcdy Add"". Dr .ny other add.... _ d.,jpat.. by 'Dlice 10 Le.der. AJly DD.lc. to Le.der sball be &Iv" by finl cIw mail to Loudor'. add.... flatod b....D Dr all)' Dther addro.s. Lender dedpllCl by DORice 10 BotrOWcr4 /vJ.y AClicc provided tor la this Socurlty IDstl'Ummt shall be deemed to uye beea pvea to BoITOWCt or Ler1dcr when liven 1:1 provided ia lids pl.rapaph 1%. .::. 13. Gavunlnl La..; Sevcrablllty. Thl. securily JoatrllIDCIIl.hall be 'Dvcl11od by fodorall.w. iocludin, the AItcrallivc Martp&e TraosaetIOD Parity Ad. or 1982 aDd .pplteable rqub.tlaoa. Pc::UN)'lvaall law aod aay local law lbal .pplles 10. tbe place in whicb Ihe. Property is Joe.led. Jo the evenl Ibal aa)' provisiaD or clause of Ibl. Security Instrument or the Note coanicts wida applioable law, S1Ieb coa.11ict .ball DOC affect ather prov(sloJl. of this SDl:Wity lutOlDlenl or 111. ~glC which Qab be giveu cffcx;c wilboUI the- colltlidiac provilion. To this ~d the provilioDJ orebls Security JDllnUDot.1 and the Note ue dcc1utd 10 hi!. sevctllble. 'A ISTIADI.MTI MORTGA.DJ,. GeNeRlC(7I15n4) WOHTHLY IINJ'U rAoe hU MGOUA'.PA,A Bour.1430 PACE A33 " '~':' ,,"', ' " "~ . 14. Borro....er'. Copy. 8onowu acaowlt:dteJ r-cceipt or pbotocopy or & coa.farmed-copy of the Note .a.d of ibIs Security lD'lNmr.:ct. . IS.. Salc or Note; Chllll&C or Loan Servlcer.. The Nate Dr I! part!allntcres:t la the Nol.c (together with this: Sr.:ctIrity JestnlDlCllt) may be sold 0.. or mote tlml!S withauf'prior DOli" to Borrowa:r. A ..Ie me)' resull' hi ... eNtlge illlh. cnlit)' ,(know. as the -Lou krviccrj tb-.t coll~b: moalhly pay.1Dillatl: d"lfUDd'cr the Note ud this S~rity IDJttItDI.t. Thm:r. also may be one or mON changes of the LoaD Sc:rvlec:r uDrClatcd to a Slle orlbe Note. IflllClC I. a chugc of the LoI1I SerYlcer. BottOWt:r will be .civCIJ writtca ua4.ice oC the chance la u:corMDCC with., paragraph 12,IDd applicable law. The. notice wtu state tho Dame aad addtUS of the DeW LoaD. Serv;Q:r ud' the. adlbn to wbich paymeals sbould be. made. The aottce wiU ,Iso tootaia ImY ol.h" information ~uiml byappliclble law. 16. Huardo1Q/l Sublblu:es. Bo:rower shall DOt c;:IUSl: or pennit Ihc p=ea.ce, Ule, dispoaal, .tonge, Dr release of any Huardous SubstAuces aD Dr fa the Property. Boaawcr .ball bot do, aor alJgw llDyoaa else to do. lUIythlu, afreethll the Properly that U: to vial.dDG of afAY EovltoDDlCOtaJ Law. Tbe prcccdiac two SCDtc:al:le5 Iball aot .pply to the F~CDee:, use, or .lorag" OD. Elc Property of .mall quautfties; or UuardOUI SubNaCC$ Ibit are gGa~ly fecogni!e.d to be approprialc it' aormaI lUidcaUIIl WlCS IUd to maiateaa~ of the Ptope(ty. . Borrower shall promptly &lve Leadcr written notice of aoy lavt5tiz:atioa. claim. demand, J.wsuj1 or other actiOG by au)' eovemmcalaJ or ,reguSatory aeency or private pany illyolvtlJ, the. Properly iIlDd e.ay Hazatdau$ Sulntaacc or Ellvironmeolal Law of which Borrower bu Bctual kaowlcdge. Jf Borrowa' lc.lt11S, cr is notified 'by Bay gQvct'Dmcalal or rqullltory authority, that auy rc:movu ot other remcdlllloD 'of any Hazardous hbstmca affceliag the Property U: 1%CCU5a1)' I Boccowar shan promptly take All Deccuaty remedial acliou:lu .c:cordance with EaYlroAlIleataJ Law. . AI utad ia tbi. paragnpb 16, tlHazlrdou. Substauc=- :E~ those subslanCU dcnacd Il.li toxic or baurdolll lubs"'acca by BllviroaraeaeaJ Law aad tbe foUawiaa: subslaDccs: cualioe, lead-based pamt, keroseae, otbCC' ftammabltf or !Oxic ~h::um producb, toxic pesticidC5 and berb1c1du, volariJc 10JvOllIs, materials CODlalaJoc: Ulx:ltOl or form.hSchydll, aad ndioactlve m.Ecrials. As used to this par'lg:l'IIpb 115, -EDvJroameatal Law" means fedcollaWJ aad laws af1h1: jurisdictioD where the Property i, located that rdatc 10 b~tJa, slfely or eDmonmcatallJlOlcdiDD. 1" Lender's: Rlghulf Borrower Falls to Kee:p Promises and Aerlbemenb. If tIDy Qf ~ C'VC'Ob . or cooclittoos dc.JCribcd in IdbpU3&:rapbs (A). CD), (e), (0) Dr (E) alibis paragraph 17 $b&I1 Decur, then (j) if th. oriel..1 priocipal ""'DUDI of lb. No.. exc=b $SO,OOO, Louder IIlIY rcquln: iii.. Borrower P!'Y Immedialaly lbc coli" amount rcmllrk,~ :.!apal:l ~!:-:'c:' lbe: Note ::'1Id ..:"1, secur.ty lo.suumcEit; or (ii) if ibc~' origiaaJ .mouot or Iha NolO is $50.000 or Ics.s, Lender, Iflu liviag Banowcr limely uotlco of Bonowcr', right to cure u Is thCII n:quircd by applicable:; lsw aDd BorrOWEr's failure to cure within the time period ~ forth ill such aorice. may rOqutre that Borrowcr pay imIDcdillely the eotire amouat remaining uppald UDder Ibe: Note aad ddJ Security IactnuJlca.t. This nlquirement will be called -Immediate Paymcat Iq F\1lI." . If Leader req.uites Imracdi,tc l'aymeat 10 Full, L=d" mlY briD.& . lawsuil to I4kc away aU of Borrawer's rem.tDl.D, ri,ebts ia "0 Ptopcsrty ad to have the. Ptopc:.dy lOoJd. At thb ..Ie Leader or aoother periOD may acquire tbo'Propcrt)'. 'Ibis is kao'Ntl as -forcclo,u;tC and ule.. lfthe pt'Or:ccds oftbtl sale arc. ianfticiut '0 repa)' Lc:adcr tbe amouots due to I.=.dcr from Bo"QWCI' UDder the Note aad uader thl. Security lDstruDlent, Leader may, 10 Ihe ~toIlt Dot limlled or probibited by law. oblaio a CO\ln judSDtut apiost Bonower pcaoully Cor'tbG' dif(ercace he1wccn III a"'QUaU due from Bocrowcr uDder the Nola aod tbi.. Security JalttUcueau acd, tile Silo proceeds. la &II)' JaWluit for foreclosure .lId sale, [.mder will ba....e the right 10 coUect all coati aad Cxp;nses of the forec!acurt Md sala .nowad by law. Thl.lacludcs attonl5)"s fce;s and co... of 111l. .Yideace pormilWl by appljcabl. law UJd Rul.. of Court. UJd It1omoy', foes for bool<nIpll>y pmceed1ap (icclucJiDg efforts tD modify or vacate any ~toD1l1lc stay Dr tajUDEltiOD). All such 'UJD' u mil' co"'" ..... wiD be ....m1 by lb. Uco of Ihl, Socurity 10'1""'01. Leocle< lIloy '<:quiro lIIlmcdi... Paymcollo Full.. thl. plnp1lpb 17, If: (A) it is due;, 01 Bumwu rlils to make u)' paym~ re.r:;",ircd by the Note or Ibis s.ourll)' lustrumcat whca (8) E:J.ccpl ia abase ci('CiuDUl&DCQJ ia which federal law otherwise provides, all or liD)' part of l!:Ie Propcdy, or any right ia tbe Ptopcny, i. sold or lcamfcmd widlaul Leader', prior written coutot (or. if Borrower is nol a Datura. pct'OD, If. bcaDfJCial interest in Borrowcc I' sold or IraasRtted); at (C) On appllll!:atioa of Lcud..., CWO Dr DlOte Irmlrauce 9OCOplU::ues Uceqted] 10 do busiDtls iQ the Stale fa 'Whldllhe Property is located ref'usa to ,"ue polioiea lalUrial !be build-lUll aDd ImpcoverD.c.Dt.s OD the Property. or CD) Borrower fail. to keep 'DY other promisa or IIgfe:eu\ent in this Security [lUtrumcnt within \h6 til:llc ~ec. forth. Dr ifao time is sd fDrtb in this Security lnstrUlIIGIIl, theD within the: t1mG RI forth iD the notice seat to Borrower by LeAder, or . rA tSTIADf. Ro\11l ~TOAaa. O!HUIC (7/ISJMt JoIONl1I1.V snnLl . PAOB4 I!' MQl)Ilhll.I'M ,BoUK1430 rAIlE l434 ~~ "" " (E) Any repraealatioa made. or iarormatioR a:ivco to Leeder by Borrowet ID conDCC\ioa. wilh BoltUW<<"s applkatlaa for this loaa II f.lse or lDisleadina III. uy ma~ri.1 n:IpCCt. 18. AssiplIm:nt. Dr Rents; Appo~fitmtnl o~ ~ce1ver; Under in POSSt51iaa. A:J addltloald liccurit)' hcn:uadec, Borrower hcre;,y auilDS to uader the r.::~ of the rrQpcr1Y, provided that BonoWW' .haU, prior to accelcnlioa uudct parapapb 17 or abaudOmDtlDl orlhe Pcoped)', have: the ript to collect 'aDd rdaia such reats u Ibey become dUI!: aud payable.. Upoa Jlcoc1eralioD uDder par;.gaapb 17 or abandonmeuc of the i'<opo<ty. Le.der, I. peno., by .~... or by Judicially .ppala1<4 _vcr ,holl be ..tided to ....r up.., laic. PO'lcSJiOD of and III.Race tho Ptopect)' Ilbd 10 collect the reIlU of Ihe Property lacJuding tLoco pUI duc. All rcatl collCCkd by Leader or the ICCClver .bldl be applied first CO p.ymel1l: af the cosl:l of m'baSemeat of &be PlOpclty aDd coll&dloa of ruts I iacJudiag, bat Dot limited to. rccd,vcr', fees, premiums 011 receiver's ba~ Iud reasonabJe attoneys' fea, ud lheD to tb~ Slims. secured by Ibis Security Ins~nament. I:.euder U1r:1 \be receiver .ball ~ liable 10 ~D" only for lh05C rcnt$ actually n:cdve.d. 19. Release. OPOD p.ymea.r of .U lums secured by thlJ Se.c;urity to.suumcnt, Leader .liba1J dilCbuJ;O- this Security Inst.rumCGr withoul chlrge to Borrower. &rrower shall pay aU costs of recordatiOD. If an)'. 20. No ClaJnt or CredIt for Taxes. Borrower will nol .make dcduodoD from or claim credit on the principal Dr lalefC,J;lsccured by this Security lostrumcnI by reason of aoy &Q'VetDmental tu;C5. lSJl~sments or charz;cs. Borrower wID not claim aDY cledUclioD rrom th, taxable vBluc Dr the Property by reason or Ibis Seedrity lDslrumcat. II. Interest Rate Arter J'udiment. BoJTQwcr Igcees thai the inlorc5t nt. p.yabl~ after a judcmoat is QltcJcd ou Ibe Norc or in &D il:liQU of mOTtgaga foceclO$ucc sball be tbe I1lle stated ~ tbe Note. 2%. Riden to 'hi! Securi~,. :r.st~meo,. :f OdC or !DOI'G riden I.t8 executed by BolTOWct IlIId RCOrdt:d ~plber willi tbb Securil)' laslrumenl, tho COYCnAdtl aDd lS'ctlCJDEIllS of each auch rider shlln ~ jDClOrporatcd 1010 utd sballAlllond lad supplcmCllt tha covenaats and' agraemBllls of Ihl. Seeu.rity taflNment u if the ridtr(l) \IICfC . part of ibis kcurily Ins1rumeat. [Cbecl< appJic.blc bex(eon iii Adjuslllblc ll.I1c Rider .. 0 1-4 P.mlly .- RJdcr 0 BI....lcJy PaYJDclll .. Ride< o eoudomiaium Ridllf o GrId..,"" P.y..... Rid., o PI..1I<d U.I. Developmcal RIde: (CONTINUED ON PAGE 6) .." I",...DJ. RATS MOIlTOACIe. G2NE1Uc:' {lIUtHJ WONnII.Y SINl'LB .....O'ESfll6 MCJDoIlo\'J.P,,^ Bod430r~ .435 ..1; ,. :': ~ "I :... !!. o Other(.) ((.pocifyl o bte tmpro"'c.m~t Rider " o Secoad Home Rider . IN WITNESS WJ--mREOP, Bon-owu bas executed tbi:; MDrtgage, WitaeS': r~~"" J S L. HOOVER Borrower em ~;"i 'Un~ MARLIN L. HOOVER llolTOwet U . /1,,,~, ~ Borrower Borrower I hereby _Ii)' lb.t lb. precise add"". of lbo Louder (Mortl'll") Is: 4909 Louiss Drivs, Suite 106 Msohan1osburg, PA 17055 00 behalf of Ill. Louder. By: Steph.~~ G~hardt TaU,: Manager ....' cU""tw",",,_.;) COMMONWEALTH OF PENNSYLVANIA. Co.oly.s: 00 Ibis. tile ~Oth day of _ January a Notary Pub11e . appea...r JAMES L. HOOVER and MARLIN L. HOOVER kDowu to PIe (Ot satisfactorily proVeD) to be the perscn(E) wbose D&1119'(s} JIlbs<<i~ to the withiD intbumctd aad adcllDwledtod '.hlt they PUrpolCl bettin cootaiDed. " J9.2!.-~ro~uie{' the underslpllloffiau. pmSooaIIy" a.re exocu'Iad th~ I4me for the IN WITNESS WHEREOF. J beuuD10 let my hand .uf Dffici My Coa:ual..IOD cxpim: N011\RIAl.. SEAl DAIIO If. SI!XE. tIoIaJy l'abllc Kilt CUmIleIla1d Bolo. Cumborland Co. MyCallanl$slon&pjres Nov. 9.1998 TiUo of Officer -0.. nal,.;"i t"-~~~." j1~~;~~:tJ~:,: ~.;.".~....~o-..-.r.__~' AFTER RECORDING RETURN TO: ~:~~~~~;):} ,:~D~..... ......,.......~~ ~f.!:...."::.....,~": '10\:: ~.~;I.}"~.:.j3 v..~"':.....~'" " -..;c".:'~..Ij.~~ .' &qui ty One, Incorpora1ied '9<J9 Louise Drive, 8u1.t-& v.,.,.nAnip.Ahu1'\lI'. PA 17055 IVO 'A 1&T/ADJ. IAn ),(QaTOAoa. Q!lNERJC PII)/il4) _v........ ....Ol-llIf. MClO'IAB.PM Bod430rACE .436 .; d ~l~i' ^~~ ""--o._L ",_~.....L^ T"'f~: , .' '.O...",.d: 212181; 12:08PII: 2--Q2-19S8 ,; 14Pt-1 717774<1689.)0 EOllny till! 1 .. FIlC/ol STQtoE LAF"vER STCl'JE 717 774 3B69 P. , :,.' . ALL that cect~in ~r8C~ 'or pz%ce1 of 1~n4 and pr~lse8 situate. lyinS and beina in the tovn.h1p of Upper Hi~rl~n 1p ~bg County of CUMberllnd and Co~onyealth of PeRnsy~ve~i8 more p~~tieulBrlY de,cr1b~d 4P follovs: IN accordanct witb . survey by to. O. Bl~tsch, J.B" d.~ud Au,ust, , 1~67, as folloWB: neCINNING .t a point i~ th~ c4nter of L.R. NQ. 21941, ".id p~lnt being Nor~ 48 dugr.ec 30 min~teS ~est 56 Iods frOG the Soythern corne~ of land no~ 0' fo~zerly of Jpbn A. ~1 snd Ka~Y H. L8Y. hl~ vife. and now ~r fO~8~lY of C. Rlcllurd Wheeler; th~cm by said land of Lay and of Wheeler Nortb ~~ 4earee. .5 mip~tea lest 9.93 Tods to a stake; tbence by tha same, Nb:th 34 4~8ree8 00 .in~te$ West 19.6$ .Dd* to g stake; thence by. the e..e, ~outh 60 d~&~e.s l' min~tes Uesl 8.7 rodl to B point in the center of ~.a. ND. 210~t .Ior..ei~; tbene. by ,be cen..r of t.&. No. 2104i, South 26 ' , ~ degrees IS minutes ieet 12.6 rod~ tc . point: thence by sgm', 50U~h 48 dosr... 50 .inut.. Eost, 13'ro~' to tb. pl~.e of BEG,~'NG. CONtAINING 2 acrel.lIJ pes;'chtl$. . BElNG ehe ..". pn~'" wbich l\arLi.tl L. 1l0over'aod llbba J. Ilqcire.. hi. wife. ao.d J.....L. loover. by ,h.i,; de'~ ~.t.~ 1I...h 24. 1995 ""~ .ee...de~ 1Iarch 24, 1995 :In !:he Of Ii.. of !:h. \lA'ON"' of Dead. of Cumbulaod County, Pel\llSyl..,ania iu 'B:eco~4 Book 120. ll.\Se 12.~ gt,a:nted and. C!ouvayerJ unto JaM$ L. l100v.er and }(a):1il' 'L. llooV.r, )IOrtgag,OTS h6'r"~. .Bood430tAllE ~4~7 ....... ..' ..' . . . : :.... .:'. :. .:. .; '.:.~: .:.::;::.:;;.::~:::~:.:::--::':.:~:::. ..:;:;.(:.::. .~. ..' ::,;..:.:::.::..:. :.:.;:;" ;. .' . '. ':'" . ':'::":~:'):':~':': '~\".~::' .:: :..:.,/::/:/>'~'::\'Y'(/~i:;::.:::.~:,:;i':'''', , .'..;.. ,.' ,;.'. "', :'; .~...::. ... . . ....:. :::.::.:.:.:: ,,' " ' ::.... .' '. .' ."." :.: ,:: :.,.:.:','::,:~,l:-: .' " ...'.'.'.. '...:. '. ..:. .' ; .~:. .::'. ..:':' '..... ':., ":"."'-.:"': .... .' ..... .',' .'.".', . ::.::' .,..... ..:. ..' ....... ":".:;,' '.': ':..' ~" "', . " ADJUSTABLE RATE RIDER (LIBOR 6 Monlh IDdEx (As Published In f7l( WQ// ~tl Joll1'l!JJl) - lWe C3{5) ACCOUNT #: 0800554941 nus ADJUSTABLE RATE RIDER i. madelhi. ~day of Januarr . .J.22!.. and is incorporated iDlo and .hall be deeme4ln amcnd and ,upplemen!!be Mortgage. Deed of TruSl or SecurilY Deed (the "SecurilY instrUment") of tile same date given by the undersigned (the -Borrower.) to secure Borrower's Adjustab1~ Ri-tc Note (the "Note") (0 Eoui tv ""Ill r . r1'1Ml"pnl'tr'ted (the 'Londer") of lho .aine date and cnveriDg lho prope!l)' deseribed. in tbe Security Inslrumelll and located-at: tl':l-=l 'ArJlm:jr Run RNltl l1p.t.rvllllA PI!. 1.,,,,, (Property Addn:ss) nm NOTE CONTAINS PR0VJ510NS ALLOWING FOR CHANGIlS IN nm INTERIlST RATE AND nm MONTHLY PAYMENT. 11IE NOTE LIMITS nm AMOUNT nm IIORROWER'S 1N'I'EllEST RATE CAN CHANGE AT ANY ONE 'I'IME AND TIlE MAXIMUM RATE nm BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition lO!becnvonalllS lllld agreements made in the Sc<Urity (nstrumcat. Borrower and Lender further covcnanE and agree IS rol1ows~ I. INTEREST RATE AND MONTID..Y PAYMENT CHANGIlS The Note proqi&es for an initlal w..... ",te oC 11 000 $ (Ih. "Initial Rate"). Tbe Note provides Cor ellange. in the inten:s1 rat. and the monthly paymem. as Coil....; This Note is not payable III _n~".... of equa1 amollllls. l.alier Ins1aIImollls may be duo as provided honln. The loterest rate In effect on the date of lhls NOlO. . , ('Initial Rate") is 11.000 ~ poi year. which. ""copl for odd days' iDl....I. if any, will be applied 10 a 360 day year consisting of 11 months Wllh 30 days eaell. Tbe intorcst rate I will pay may c:hange on the firot day of March '. 2000 a:ll1 on lhat day every 6th month Ihercafter. Each date on which my interest rate could change is called a "Change D..... Beginning with the first Cbang,e Date. the interest rate will be based on aD Index.. The 'Index" is the avosage of iDle_ ofl'ere4 rat.. for 6 month U.S. dollar" denominated doposi1S in tIIo London madcot ("UBOR") IS published in n,.,WaU SUe" JONmal "Money Ra.tesj! table. TM "Current lDdex" is the most recent Index value available as of the dato forty"five (45) daY' heCon: c:ac:b Change Dato if sw:It date falls on a Priday or, if such date docs nol faU OIl a Prlday, tlIen the "CUrrCDl Index" ia tho most recenlladox vaI.e available as of the !'riday immediately pIOCCdIng tho date forty- five (45) day. before eaell Chango Dato. Bef= c:ac:b Change Date 1ho Nate Holder wDl tSTIADJ u:re UBOR. 6 MaNTA INDEX N'IG. JUDD (lDltll&J U MO:mt DISCOUNTlMotmILY SIhQ'L8 . SHORT raRN . GEJllIIUC tusa I" TIll STATE OF PDIN$l1.YANEAl 'A..;IOfJ CD1HAB.tlSI. ,BoDK1430r~ 43~ .....::......;:;.:.:..:.:...::.. . .' ...... : '~.1. :~. .::. :.;:.:. '.: ...:.::....:.....:.... .' : ~ ....... '. .... ::-:.,:...:.:..:.::.:..::..'. . , :.:;..:;'...'. ....:..-:;.:>:..:...:. .... . .' ." . r." .;.:::::.. '... .::..' . '.:.:::',,-:. ~~;;"i..:::' . ..,. :.:.':.::-:.::':: '. .:............ ..;.,'.,". '.~.. . :.,;.. ."..: .., :.....,. . ..... ~''''. ....: . .' ".: ... . . .. ,.:::,::"::"'::<,':'):,;'):';';)i':/, >::'., .' .. '.' .......:...... ,":":".. . . . :::.:.:-:..~.:(:::';:..;:.:::~:.. :::;,.::':.. '..:. '~:..::. .">' .. :.::;:;;. . ... ...;.., .' ..:..;.;. .. "::'..::.' ........ .' ...... ..:..... .::.:. .:~::::.:'}>.::.;.:.:.\:~. ......... . '.,.: ........ ;. ;-" ....:.:....:...:..:.. " ~:~; .i.c ~ " .......~,...,- "''t> ~, I~ ". " 'me",? , ' ". '; calculate the new intcrCJt rate. which. uccpt ror any odd days' interest upon p~paymeDt in full. will be applied to a 360 day year <Dll5i5ting of 12JDOJUhs wilb 3D day. each. by adding ? 500 pcn:cDlage poiDls (the 'MargIn') 10 tho Cwrcnt 1DcI<l<. Who1l a new n.te is determined. me rate will be rounded to Ihe nearest 1/8%. The Note Holder will then determine the amount of Ihc level mgntb!y paymcnt that will be sufficient to repay the then UDpJid principal in full by tile maturity date of this Note, assuming _-all dclinqul:D4Jaym0nt5 .a....uude aod that alllutut<-pay..... .are .made wbcn due. . At meliDI <:bange Dale, tbe interest rate WiD not be increased 'a more than cwo . (2)"pen;cntage. pDiDl(s).blgber,thaIIlbe.Inilial Rale-.and..11 aD sub5equenl CI1ange DateS;. the interest taIe'will MVerbc'incrCaSed.or decreased'oD any-single Change Date by more'- than one (I) percentage point flOm the tale of intelOSl charged during \be preceding six (6) months. The inte"" rate will never be gteater thon 1?, 000 pe= per year, nor wilt it ever be lcss than om: (1) percentage point below the Initial Rate during the entire term of this loan and at" no time -during lhe term of this loan will the rate be increased above the rate pen:niUed by law. The new interest rate will become effective Dn the Change Date. 'The new monthly payment will begin on the firsl monthly payment da.te after the Change Date and wiD remain in effect U11tillhc monthly payment changes again. The Note RoWer wiU dcUver by mail to me: 3 notice of any change in tbe interest rale ,nd tbe amount of the new monthly payment at 1_ twenty-live (25) d>.ys before the effect~l: <htc of any payment change. The notice will include information required by law aod posaibly certain otber inforJlllltion as well. ExcepllD the case of a Current Index and Margin less t!wl one (I) perc:enuge point below lbe Initial Rale and subjed to the percentage point limlWion(') an lite changes described above. rate decreases will be maodaloty upon decreases in the Index dcten%1icd aftICbangc Datl:S. bot tate increases baSed upon increases in the Index will be optional witb Ibe Nole Halder, However, lbe fact that lbe Nate Holder may not have made a permissible iacreUe: in whote or in part win noc be considered a waiver of tbc: Note Holdor', righ1.subscquendy to make my other pmnissible increase within the limits stated in !his Section 4, .', ,- AdjustmCDts in the rate will be: given !effect by chan;;in,g the dollar amounU of remaining eq\lI1 monthly insrallmC:Dt5 so that the total. amount due under this Note will. iC all delinquent paymeDlS are made and all futuro payments are made w\1<D due. be paid by the original maturity date of this Note. AJJ smted iD Section 2, however. interest will accrue untll payment in full j, aclUaily made, 1ST/ADJ. lATa LlBOR 6 WCHTH INDEX KTQ. mEa (SDllmI J4MOI'lTH~YaMPI.S ~IHOIlTfON,t . QEKilUC lUSi IN lHElTAncP P&NNSYL"ANlAI I'AGBtOf' CDllJ6AB,U$A. ( .:. ~ood430 PAGE .439 ," ..... ..:...;'.:': ....... .::>:....:::;.. ..... ....... ..... .....; .: . ~ . .' .';. ..:. ...... ,,. .. .~ . . . ~.'. .:....: . . .... ~'...: :,:,::,:,,:.:.:,;,:.;,.':".:,:. .' ~ . . ... .. :.....:}:,:: .: . ,... :.... ..... ..,..:.... ..' ..' '. .: .~.. . . ..~. , ....: ...... ....:... ':'.:.:,.:...=. .... ...... ... . . ;;.. ~ ... . I 2. Section 2 of the Seeurity IIlSlItDnent is hmby deleted in ilS .lIlbety and replw:ed with the roUowblg: . ' APPLICATION OF BORROWER'S PAYMENTS Unless applicabl.law plo.ides otherwis., !.onder will apply each of Borrow.r', r.gular monthly paymenl$1IIICler the Note and IIIICler thi$ Security Instnunelll. firs' to accru.d and U.paid-inl."" ," ,uruIet the NOI.. .. if the.,paym.nt is mad.....its.duc da,..,.n:gard1.... of wh.n the paym.nt ;,. ...' act1llIIlyreceived'and lh.....rnainder.,lf Bny.;-to the'unpald'prlnclpal:halanc. uDder the No'" Any ",Iale'chargea (5% or any payment not'mad. by the'end of IS ,caI.ndar day. aft.r the datelria . due), toll.ction.eo,ts aDd exp.nscs. JIishonare<tchecl<'.harguand' payments, made ,by, Lender to ' '" enforce the Note and/ot'to protect" LeJider's.jt1lCIt![S':lInder-this;"Securi1.y Instrument will'~ ' assessed sepantely. BY SIGNING BELOW. Borrowel' accepts and. agrecs" 10 ther teens and covenants contained in this. Adjustabla RAte Rider. <S.al) Borrower (ScaI) Borrower .... (Seal) Borrower 1ST/ADJ. IATI UI0ll6 MOHTK INDEX MTO. lUDiI. (11l111D6) ]A. MOm DlSCOUNrIM01\'TiU..Y SJMPLJ . $KOi.T FOJ.M .GBNOJC IUSE IN TJlI nAD OF PENNSY1-VANlAl '...., .".::".-...:::.:.',- ".' '. .". . .:. ,.:~", ...,. '" ....;.....:.;..:.::..:..,. " . . :.";:;.:.:.,.:.:', ." ......."........ :"':::'::'. :.:....~:::::::" ;..::-:-::...... :.....;:...;... .,:. ~~ (Seal) KES L. HOOVER Borrower tJ11 "v,~/.,.. ..t.Jf<Nr1.ICA ---15.01) MARLIN L. HOO Borrow.r (Seal) 9orrowcr .- PAOE.3OFl ~od43QfA~ .4lto .:....:,..... '.' . .':-:;: <<,::'.,:',:,':,',;;,':'.~,':'. '.:" :':~:/:i"'" ..':'....... .. '.':' ......-,.. ",- :':.:.;. <<>,:; .:t:.. '::'::':":" ;','" .\..... .'.-:. ..::,'. . ...... . . .. ". .~ . ..... .... .......... ...... ..;. , , ;,1 .....' .:." ;'(: ;..... ...:.;. ...'..,. ...,' .... .,..: .::.. ..... .:...... ::':;., ::'~'.'. .':'. :::.:\ .....' ...;:.; .....' FRCW'1 : 'EGR..IITY O'-.'E ~.~....... ( / Ass,g;;m~'jh:JI'w.mil:ld\;j" . OjU()d6Y7~<, 11)1 conslderallon paiO. dots herQbr 1S5-igrt, Uan;ler ami fOCI OW't unto""':- J ;;1 J Alliance Funding Company,. A Oivi:;iotl of sU[:1erior -sank . '4900 Ritter hlclt1alnrnorlgagec;leaCldaltlS .January 30. 1998 . FSB . hem James L. Hoover and ~~rlin L H Me~haD~esburg, 633 Brandy J::un ~oad NQWViilQ:~o;:r17241 ~~~.. tg E'qaity One, IJ1corporatcd fMortgage Amount $74,S10~aO) -. lr.edtotreCORfln~olficeolll'lCeoun.IYClcrkQt Cumoorland CQ\IIlr,' pennsylvania ,cmttw: ..f-(:l, <layol$-L-' .IS'/f .n' 1::39 o'<looll ........wr_dedl.""""l'f30."........, Dr page q.Sl of Ihc ICcorck oJ sok1 coutllY.1oSItllhN with tho noli or no esltwr,tn mcn1loned end..~ lr1d@lo;dcllf;ssetu'retl 1her.by. . . _ . DATED in,; 5th day 01 FQbruary 19 9a Feb. 18 1998 12:55PM P1~ KNOW All Mir{ BY THeSe PlIEsenrs ,.., 'Equity one, Ineorporat.d ~o.<l PA 17055 AIJe$l: --p.;. ~ n '\ . {(",', \,..,; '1"-<,'-",>, 'j , 'I, Billie Jo Downey awro:>..o".rat10n~DOffioer """",iiWJ1:~ Inco:reora teci ,,' ,,~~":'\';''''' ~,,:.,..": '..~ :".;,ii,':,;l. :. ' , ,<;, ~;j,. ,'. "- .. ::;t-... f . {(!~;"E'r,.." ,t. ..f'koW (,,", ~.:{.-r~:' '~= ~",t:..it::.;"": fO-r' :..;c:! .''i; ': ;.j.t;.;".;,i.nw:lr;.....~i,.:-fiii.,i)' '~'- "."""""V""",".#,-"i 'ACKNOWLEDGE:MENT{Forlndlv(dll.b:J '"' :t.::.;/.:.~;~ <f..:t;;.e.~>' '...,~1!J'-;<;"',,, .~~.J,:t,..;.,.. Iss. STATE OF Cl)l,mlYO' OJ'lUUs . d;a1(Jr~ grat.,p8lloAaQ)'appI,rud personally knvwn ~o mo'{or pRJ.i!'d to me On Ill" bula ol.aUst'K1ory<tIVlc1ince) 10 be thD ptrson($) whof.o ~$J stlhsclibe610 "11I:1 fore.golng"fnSll1lment ancI aGknElWledged ,hat eXacutecl! Ute ' :same. , " 9 bcJon: mo. thD \,IndetJignod. a NolBl')' PubUo for uld WiTHE$SlJI)' hand aI?d oUld~ &eat. Signature: , , ,;",:."~. ~.: :.,': {,' ~;"::~~ . .lJult<..!:.,."D "l,'fJ,'.fTrw:."'\ ~(l1P'dur~ _, '98I'!R~ n PI'! 3 26 .' ~lorGmlMlMllJ My CommlssJon expfro$: ACKNOWLEDl;ttMENT (For COrpOf~lJOJl) 98 1 be-JOllll' rM', the Qnd.r:5foned. a NotalY Public ror MId n~~~~~y - EQUitv One~ IDcor~orated ~ eucutcd lhe' wUtdn lnstrume'" as pen:onally knOwn to me (or proved \0 RJ. en the basts or ......,-ott Pldont;1:) '0 be \lItl pt1Sonc who ..eeuled 1ho- wllhln 1n.sJ\R\\tf\l on IHthaJt or tha o0q)6tatlon Utardd namod.aml .acknOWIld"Cld tD mo lhal :such OQrptlra11Dft !'tetulod tho 'Wtthln I~slt\lment put$U.nl to Us 1Jy.laws or.. rnoluUon of il$ board. D1d1rec101'1. \~~Ii ,.,.< ~:::::.~~"'l\dond..n.loI-' ,-::.."";'-;::_"~~ ';"O~ht...,..:tr.~,g..'. ~ .. Jf.o. ;=1IIk~.~ .-q' ~ . [C 'iJf..~:'-'V. '"': '!'I'I ~ ~ .\~ 't~' .::1 . J, . Myc:::ontmlSSlanaplrer. ~~~~tD tltalRCllS1OMI$.mG........___ <:, -..:6... :I!:l ~... '..~;,'-::">;;io'll.....,. ' ....."Jll~'P'.i~.-..\~.. ......r....... B~O!\ 571 PAtE 412 STATE OF p.nnsylvania C....,ye! .BUCkS I$s. OR IN, 5th day of Febru~,..y .19 st&l.,~lr.ppoa,ed Phvl l is C Wf'lIwrl"l . __ecutecUbewJthlnlna:IrumentllS O,pc:n";ilt"; "nil:. .w billip-~" nn~~er SI~natUrl: ~ :: ~ f~ .L. .. ,,(~ . I' ;, m", \J . ....WPtd IA'.... , \ NDlaIlelSNI SueICav.fmaM.NOIaIYPIlMo ~1\tp.,8wlar:Cou(y My-........""'...- Mtmtler,P:IlmIyIVanIIAI8ocWIorlotNoCaries ',,: :i:.;'::.: .... ......... ... ...... ....:...., ..... .: ;;:~. '::. . ., .. '.' .....::.::(::::.::::..:::..:. :....:..:. ..:.'.:........ .,..:.:,1 . .~:.:'.;"" .:' ,... , c '/ . ....' .- St.t. 01 Pennsylvania} 6 County 01 Cumberland 8 ..' ,-' '.' Recorded in tha 011108 for tile reoording of D'e.i!j e~~dlortll!l1l>ertarodto"nty.p,., .',' in lloo!c,2:ltvo1."::::"p.ga~'..,,, wi mVb.ndan~lofofliC'of " ", '" Carli~..PAtbi. ,~davg;).uk#' . '. ~_j':'''. ~, /.f2..-, ~', Re ' cA '.. . t-r,. " ,- ' . '~~ .'. ...,......" .' ~ '.:,.:..,.,',.,,', :...: .:,'",:,:...,..,.,'.'. '.',.' :.,..'" :,','...,.. .:,',..;:-.,.,...:.;..". ',..".. ",:,~ ...',.,.,'.,." ,',: '.'.',.,I.~.:-:...:.:~."',:.,:,.i.'.:,,.;..~.,;~.':..,.,:""';;"':, :,;'~,'::~:':..:.:'.:~ ::':::;.+:.:~::;'.:{::.:'C:,{:::',:,';,' :.:~.;';:~':~~" :':::;~::"..X.'::':~.~:).::';.::::''::'':;:':'''' . '.. .'. . ,'~' " .' " ' '. J. ".' "', ie,.,1 , :::>_~ r ifl'; < 12 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE April ]2,2000 TO: JAMES L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A ] 7241 JAMES L. HOOVER 49 MOlINT AlN LANE NEWBURG, PA [7240 MARL[N L. HOOVER 633 BRANDY RUN ROAD NEWV[LLE, P A [7241 MARL[N 1.. HOOVER 49 MOUNTAIN LANE NEWBURG, FA 17240 THIS FIRM IS A DEBT COLLECTOR AITEMPTING TO COI.LF.CT ^ DIlDT. THIS NOTICE IS SENT TO YOU IN AN A ITEMPT TO COLLECT THE INDEBTEDNESS REfERRED TO HEkEIN AND ANY INFORMATION OBTAINHD FROM YOU WILL liE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN A ITEMl'T TO COLLECT A DEBT, BUT ONL Y ENFORCEMENT OF A LIEN AGA I NST PROPERTY. This is an official notice "lat the mortltal!e on vourhome is in default and the lender intends to fureciose. Specific iRronnation about the nalure orche defaoh i~ provided in Ih~ attached pa~es, The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM rHEMAP) may be able 10 helo to save vou, home. Thi. Notice e>;Dlains how tile DTD1!l'llrn Wl>rl<s. To see if HEMAl' can helD. vou must MEET WITH A CONSUMER CREDIT COUNSEI.ING AGENCY WlnlIN 30 DAYS OF THE DATE OF THIS NOTICE. T.ke this Notice with vou when you meet the Counselin2 At!cncv. The name. address and ohMe nom"'" of Coosumer Credit Counseljn. A.encies ..'v in. vou, Countv are listed aUbe endofthis Notice. Ifvou h.veanv QUestion.. vou mav call the Pennsvlvania Hallsin. Fillance Menev toll free at 1-800. 342-2397. (Persons whb imoaired hearine: can call (717) 780-1869), 'nlls notice cnntains imJ10rtant legal infonnation. If you have aay questions. rcpresenlalive'1I11be ConslIIDer Credit C-nuoseling Agency m.y be able to help expl.in it You may .Iso want to coomct an attorney ill your area. The local bar .....'"ciation may be able to help you find a lawyer. LA NOTlFICION EN ADJUNTO e5 DE SUMA IMPORT ANCIA, PUES AFP.CTA 51/ UERECHO A CONTlNUAR VIVIENDO EN Sl/ CASA.IS NO COMPRENOE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlATAMENTE LI.AMANDO !::5TA AOENCIA (PENNSYl. VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMBRO MENCIONADA ARRIBA. PUEDES SER IlLIlGlBLE PARA UN PREST AMO POR F.L PROGRAMA LLAMA DO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL COAL PUEDA SAL V AR SU CASA DE LA "!JRDInA DEL DF.RECHO A REDlMAR SU IIlPOTECA. , "" .....b~--,.. ' ~,l~.,,, ',';0 ," L"" HOMEOWNER'S NAME(S); PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER CURRENT LENOF.R/SERVICER: STA TEMENiS OF POLICY JAMES L. HOOVER & MARLIN L. HOOVER 633 BRANDY RUN ROAD, NEWVILLE, PA 17241 0800554941 EQUITY ONE, INCORPORATED LA SALLE NATIONAL BANK DIVISION OF SUPERIOR BANK FSB HOMEOWNER'S EMERGENCY MORTGAGE ASSI!.TANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPL Y WITIl TIlE PROVISIONS Of THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'). YOU MA Y BE ELIGIBLE fOR EMERGENCY MORTGAGE ASSISTANCE. . If YOUR DEfAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABl.E PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS AND . IF YOU MI!BTOTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING fINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Undcrthc Act, you arc entitled to a temporary stay of foreclosure on you mortgage for thirty (30) days from the date of this Notice. During thai lime you must arrange and attend a faee-lo.flIce meeting with one oflhe consumer credit counseling agencies listed atlhe end of this Nolice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30\ DAYS. IF YOU DO NOT APPLY POR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE! UP TO DAm. THE PART OF THIS NOTICE CALLE!D "HOW TO CURE YOUR MORTGAGE DEF AUL Tn EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIFS Ifvou meet with one of the consumer credit counselin. aaencies listed at the end ofmis nOlice the lender may NOT take action a..insl you for thirty (30\ davs after the date of this meet in.. The nameS. addresses and teleohone numbers of desi.nated consumer creditcoWlselin. a.encies for the county in which the property is located are set forth at the end afthis Notice. It is only nece....-y to schedule one flIce-ta-flIec mccUne. Advise your lender burnedia!elv of your inlentions. APPLlCATIOl'l FOR MORTGAGE: ASSISTANCE- Your moltgage is in default for the reasons sel rorlh I.ter in this Notice (see following pages for specific information about Ibe nature of your defnull). If you have tried and are uilable ta resolve litis problem wid! the lender, you have Ihe right 10 apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so. you mnslfill out sign and tile a completed Homeowner's Emergency Assislance Program Application with ane of the designated consumer credit counseling agencies ILoted at the end of this Notice. Only consumer credit counseling agencies have applications for llIe program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be tiled or postmarked within thirty (30)) days of your face-to-face meeting. YOU MUST pILE YOUR API'LICA TION PROMPTLY. II' YOU FAIL TO DO SO OR If YOU DO NOT POLLOW THE OTHER TIME PERIODS SlIT FORTH IN TIllS LEITER, FORECI.OSURf. MAY PROCEED AGAINST YOUR HOME IMMEDIATBL Y AND YOUR APPLICATION ~'OR MORTGAGE ASSISTANCE WILL BE DENIED. ~^ " -,-, ,--.., .. -,~' ^ ' ~ " ~'j . AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria cstablished by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make 8 decision after it receives your application, During lhat lime, no foreclosure proceedings will be pursued against you if you have ntel!he time requirements sel forth above, You wlll be notified directly by the Pennsylvllllia Housing Agency of its decision on you appllcalion. NOTE; rF YOU ARE CURRE L Y PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PARTOF TUIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT , TO COLLECT THE DEBT I (If you have filed bankruptc you can slillapply for Emergene Mort a e. A..isl.nCe)....~ I HOW TO CURE YOUR MORTGAGE DEFAULT I Brinl! it UP to dale) NA YUKI:: OF THE DEFAULT. The MORTGAGE debt held by the above lender on your properly loealed al: 633 BRANDY RUN ROAD, NEWVILLE. PA 1724115 SERIOUSLy IN DBPAULTbecause: A. YOU HAVE NOT MADF. MONTHLY MORTGAGE PAYMENTS for the following months and tbe following lIllIounts arc now past due: 111100 thm 4/lJOO al $709.58 per month. Monthly Payments Plus Late Charges Accrued: Attorney fee: NSF: Property Inspection: Insurance: Other: (Suspense) TOTAL AMOUNT TO CURE DEF AUL T $3,547.92 $65.00 $45.00 $122.00 $0.00 $0.00 ($149.36) $3,630.56 B. VOU HA VB FAILED TO TAKE THE FOLLOWING ACTIONS (Do not use if not applicahlel: llia HOW TO CURE THE DEFAUI.T- Vou may cure the default within THIRTY (30) DAVS of the dale of this Notice BY PA VlNO THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICIIIS $3.630.56 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH 'BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavment must be made either bv cashier's cheek certified check or monev order made Davable and senl to: SOPERIOR BANK. FSB. ONE RAMLAND ROAD. ORANGEBURG. NY 10962. ATIN: AUDRHY INGRAM. You can cure any otherdefllUll by taking Ibe following action within THIRTY (30) DA YS uflbe dale of this letter. (Do not use ifnotaPplicablel N/A, IF YOU DO NOT CURE THE DEPAUL l' -If you do not cure Ihe defllull within TIlIRTY (30) [)A YS of the date of this Notice, the lender intends to exercise ils dlih'" to occelerate!he mortllB~e debt. This means Ibat the entire outstanding balant:e of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly inslllllments. If full payment of the toud amount past due i. nol made within THIRTY (30) DA Y$, the lender also intends to inslnlct Its attorney to start legal action to foreclosure upon your mort2llne nrooenv. . ~y "'~ . ',,' ,; " ."'M". '_> IF THE MORTGAGE IS FORECLOSED UPON- The mortgage property will be sold I>y the SherHT 10 pay oft'the mortgage debt. 11'1110 lendor refers )'our case to Its attorney, but you cure the delinquency before the lender Pegtns legal proceedings against )'ou, you will still be n:quirtd to pay Ibe fCllWllable attorney's fees that were actually incurred, up ro $50,00. However. if legal proceedings arc started against you, yuu will have to pay all reasonable auome)'s' fees actually incurred by the lender even if1lley exceed $50.00, Any auome)"s I\}es will be addel! to Ibe amount to Ihe lender, whicll may also include olber re"",nable <:osl., !f vou cllre the default within the THIRTY (30\ DAY Derind. YOU will not be reQuired to nav allomev's fees, OTHI:::~ LENDER REMEDlES- The lender may also sue you personally for lbe unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE. If you have not cured the default within the 11llRTY (30) DAY period and foreclosure proceedings have begun, you still have the riaht to cure the default and prevent the sale at anv time Ull to one hour before the Sheriff's Sale. You mav do so DY Davina the toml amount then [)aSt due. Dlus any late or other .hames then due. reasonable allornev's fees and costs connected with tbe foreclosure sale and anv other costs connectel! with the Sheriff's Sale as soecilied in writing bv the lender and bv cerfurming any other reauirements under the mortgaae, Curing your default in the manner set forth In this notice will restore your mortgage to the same position "', if y<>u had never defaulted. EARLIEST POSSIBLE SHERlFF'S SALE DATE. It is estimated Ihat the earliest date thaI such a Sheriff's Sale oflbe mortgage property could be held would be approximll1ely SIX (6) MONTHS fr<>m the date of this Notice, A notiee of the actual date of the Sheriff's Sale will be selltlo yoo befure the sale, Of course, Ihe amuUIII needed to cure the default will increase thelDnger you wait. You may find out at any time exaclly what tbe required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER- SUPERlOR BANK, FSB ONI! RAMLAND ROAD ORANGE BURG, NY 10962 (800)431.1093 CONTACT PERSON: AUDRI::Y INGRAM EFFECT OF SHERlfF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Shcrill's Sale, a lawsuit to remove you and your furnishings and other belongings coold be started by the lender at any time. ASSUMPTION OF MORTGAGE. You_ mayor XX may not (ehe.k one) sell or transfer your home tG a buyer or transferee who will assume Ihe mortgage debt, provided that allth<: outstanding paymOl1ts, chlll'ge and attorney's fees and cost are paid prior to or atlbe sale that the other requirements of the mol1goge are satisfied. -~ J,c,_, , ,", < ., .h.., .. ".,.'. YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOfF THIS DEBT. . TO HA VB THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF . TO HAVE THE MORTGAGE RESTORED TO THE SAMB POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURt,; THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMBS IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE yOU MAY HA VE TO SlICH ACTION BY THE LENDER . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LA W. CONSUMER CREOlT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED, Very U'uly yours. I , "'._ -1-", / , (' 1 t/~."-.:,~ . i I A ITORNEY FOR LENDER " " h '" "L - -~~~", .' NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT *******.**....*.*.~...*..*********....*....t+*...*...*.......*********** I. This is an attempt to collect a debt and any information obtained will be used I(lr the purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice. the debt will be assumed to be valid by our offices. 3. [fyou notify our offices in writing within thirty (30) days of receipt of this notice that the debt, or any portioo thereof, is disputed. our offices will provid", you with verification of the debt or copy of the judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. 4, If you notify our offices in \\'riting within thirty (30) days of receipt of this notice, our offices will provide you with the name and address of the original creditor, if different from the current creditor. , , ~ ,-, ""-1', PENNSYL VANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COIJNSELING AGENCIES >. CUMBERLAND COUNTY eccs of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg N. 6111 Street Harrisburg, P A 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, P A 17 t 04 (717) 232-9757 FAX (71 7) 234-2227 Financial Counseling Scrvices of Franklin 31 West 3 rd Street Waynesboro, PA 17268 (717) 762-3285 YMCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (7]7) 731-9589 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, PA 17325 (717)334.1518 FAX (717)334-8326 PENNYLSV ANIA BULLETIN, VOL 29, NO. 23, JUNE 5, 1999 --...,:, VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of his/her information, knowledge and belief and understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. /4/ ,)}/ ~ //'/' , % /1 ,{/0;~;,j A, /.?# Maureen P. Toal i @IV rn.n.1 ~."'l "~ '~ ,,=,',', J:UV ",'-~. .'" ..' ~--.," :''" ,. __, "'" ~ ._,__. _'c.~~ '",-- -~, , ,. '''W'''-;;''''''~_~~' ~,_~ -~~ .. . . . .1 '.".~'-- ""',,"'" , --"~'""'j""<'kT .'~'E.ll!i 1~' _ R:f> r ~, ~' ' , '''i _' J" ' .) .:~~,"\"r", ,t,!,,. ,: l . .- ~ c1r ~,11l hM '.00: CA'" I"~ LC ,'J\!L <),' L:,.' PEHkSYL V AMIA @IV GVil ~ ~ rn:nJ " ~!ll'!re, ~", ,~ ~~~~i\'F~~~~<i!~'lj}ill?"_m~~:~1!?1if"i,~"lt~ . .,~~m~miIM",,,..,~.,, ,".",----,' j,:;<~~" "~ ..'", Co . ~. ~' , --,," "..~~ -"~.'. ~~""_,,,,-""','-'L-"!-Y SHERIFF'S RETURN - NOT FOUND CASE NO: 2000~08783 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ET AL VS HOOVER JAMES L ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT HOOVER MARLIN L but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE RIENSTATED WITH NOTICE , NOT FOUND , as to the within named DEFENDANT , HOOVER MARLIN L DEFENDANT IS DECEASED Sheriff's Costs: Docketing NOT FOUND RETURN Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21.00 s:~ R. homas Kline Sheriff of Cumberland County GREGORY JAVARDIAN 02/22/2001 Sworn and subscribed to before me this -- .<.') ~ day ofJd... '; c2i:rV1 A.D. Qt' -0 ~j;Ly~ protho 0 ary , ."~ ' , .~~ ., ~ _~"~ 0 ~a'~ , ' ~'_.~ .~',.' ---"",l;li16liilllilil!lO.'i1TJ ',,_, I .,~!!jij-IFF' S RETURN - REGULAR CASE' NO:'2000-08783-Pi'i '",""" , COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ET AL ':'''':';<'-'''''':';\' VS HOOVER JAMES L ET AL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT IN MORT-FORE was served upon HOOVER JAMES L the DEFENDANT , at 0016:35 HOURS, on the 21st day of February 2001 at 49 MOUNTAIN LANE_ NEWBURG, PA 17241 by handing to DEB HOOVER (WIFE OF JAMES) a true and attested copy of COMPLAINT IN MORT-FORE together with REINSTATED, WITH NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 13.02 .00 10.00 .00 41.02 ;;~:~~<~e R. Thomas Kline 02/22/2001 GREGORY JAVAR Sworn and Subscribed to before By: '>t- me this ol -7- day of Jvte'L""7 J{).<.J/ A.D. rY, (2~ rUi ~honotary Y) /. f/ (') C1 C.:: (,:~, :?; -~ >, ,"') LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGORY JA V ARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff '""G;-:__ 1'1'. ' ':;?: ~.) q;'~~;: G" ~Cj W~'~1 ~:J -< LASALLE NATIONAL BANK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/98 SERIES 1998-1 135 SOUTH LA SALLE STREET SUITE 200 CmCAGO, 1L 60603 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY ~~:. n -'n ....\ "",'''':'1 -0 -, .__'.."1 ;~:/\l '.,.,; ~-' '. ~! ::::> (,,) ':)".1 -...:.: NO. D6 -P7i3 C;u~L ~~ VS. COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 DEFENDANT(S) COMPLAINT - CIVIL ACTION 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 defense 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 NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TElEPHONE TIIE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 11]1 ...... '" ~ ,.~.... ',;." '1 .~ L , 1.",,,-,",,, ',~[liiliIiJ1\M,.:' LAW OFFICES OF GREGORY JA V ARDIAN BY: GREGOR Y JA V ARDIAN ID# 55669 44 SECOND STREET PIKE SUITE 101 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1198 SERIES 1998-1 135 SOUTH LA SALLE STREET SUITE 200 CHICAGO, IL 60603 NO. PLAINTIFF VS. COMPLAINT IN MORTGAGE FORECLOSURE JAMES L. HOOVER MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, PA 17241 DEFENDANT(S) CIVIL ACTION MORTGAGE FORECLOSURE 1. LaSalle National Bank, As Trustee under the Pooling and Servicing Agreement dated 3/1198 Series 1998-1, (hereinafterreferred to as "Plaintiff') is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania and brings this action to foreclosure the mortgage between James L. Hoover and Marlin L. Hoover, Mortgagor(s) (hereinafter referred to as "Defendant") and itself as Mortgagee by Assignment. Said Mortgage was dated January 30,1998 and was recorded in the Office of the Recorder of Deeds and Mortgages in Cumberland County in Mortgage Book 1430 , page 431. A copy of the Mortgage is attached and made a part hereof as Exhibit 'A'. j1~' . 2. The Mortgage is secured by Defendant(s) Note dated January 30, 1998 in the amount of $74,510.00 payable to Plaintiff in monthly installments with an interest rate of 11.00%. 3. The land subject to the mortgage is: 633 Brandy Run Road, Newville, PA 17241. 4. The defendant(s), James L. Hoover and Marlin L. Hoover is/are the real owner(s) of the land subject to the mortgage and the Defendants' address is : 633 Brandy Run Road Newville, PA 17241. 5. The Mortgage is now in default due to the failure of the Defendant(s) to make payments as they become due and owing. The following amounts are due: Principal Balance $73,865.57 Interest to 12/1/2000 8,724.89 Accumulated Late Charges 1,043.94 NSF/Property Inspections 165.00 Hazard Insurance 876.12 Taxes 1,418.14 Interest on Advances 42.58 Attorney Fees/Costs 3,700.00 TOTAL $89,836.24 plus interest from 12/2/2000 at $28.24 per day, costs of suit and attorney fees. 6. In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No. 6, Section 403 (41 P.S. 403), a Notice of Intention to Foreclose is required and the Notice of Homeowners' Emergency Mortgage Assistance was sent to defendants April 12, 2000. The Defendant(s) have not cured the default. --. "" I ~. ].. ." 5:lJidliMimilic WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant(s), in the sum of $89,829.52 together with the interest from 12/2/2000 at $28.24 per day, costs of suit and attorney fees. Law offices of Gregory Javardian ~ : ~;~ ~~: c, P'~t 'If, Rr:.F'0~D h 'j" :',c : ,'~-' , , ,.-i'y' nan.ct ;;;::(i ';'::' -,' r, '__,' ~. _'_d ,." __.'" ,[ ,,: '-" ..,:.;:, ';)'LR ' .~ ~ ,;",' t,. ~",'~..',....~.'."'..~~:.....'i-.~."".":M j)..".......77. /(idl",:(':';:;> i "0__ ~~~ .l.~ ~~~b~ " I. -~ ~. .C"'~~'" -' - ADJlJSTABLE RATE NOTE (L1S0R 6 Monlll Index (As PubUshcd in 77.. Wall Srrtel Journal) . Rate Caps) TIUSNam CONTAINS PROVISIONS Au.oWlNGFOR CIlANGI!S IN MY INTERESTRATE AND MY MONl'IU.Y I'A ThiENT. TIIIS NOTE LIMITS TIlE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONETIME AND TIlEMAXlMUMRATE lMUSTI'AV. I'ENNSYL V ANIA US S ?L.5IO.OO JanUllry 30, 1998 Dale 1>33 Brandy Ru" Road, Kewvil:e, PI. 11241 (Properly Address> l. SORROWF.R'S PROMISE TO PAY In retum for a loan that I l1avc received, r promise to pay U.S. $ 7/.1510.00 (lhis amount is called "principal"), plus interest. to the order of the Lender. The Lender is I<:md t.v One. ::-ncol'corated . J understand mat lhe Lender may transfer Ihls Note. The lender or aoyollc who takes this Note by transfer and who is entitled to re<<ivc pa.ymcnls under this Note is caUed ahe -Nolc Holder." 2. INTERI!ST Interest will be charged on lhe unpaid priRCipal unlU the full amount of princ.ipal has been paid. I will pay in.terest at an inilial yearly ralc of 11.COO ". which. except for odd days' inlerest, if any, will be applied 10 a 360 day year consisting of 12 monlhs with 30 days each. Interest will be charged unlillhe principal has been paid in fun. The inleresl rate I will pa.y will change in accordance with Seclion 4. The interc5t'rale required by this Section 2 and Section 4 is lhe rate I will pay boUI berore and afLer Bny defaull described in Section 8(8). 3. PAYMENTS (A) Tim. and Place nr Paymeats I will pay principal and inlcrest by making payments every month. I will make my moothJ)' payments on the first day of each monlh begituliug on Aprt 1. 1 , ~. I will make these payments every month until I have paid all of the principal- and inlcre'sl and any other cl1argcs described below that I may owe under Utis Nmc. Unless applicable law provides otherwise. each of my regular monthly payments will be applied tirsllo accrued and unpaid inlerest as if the paymeD! is made on its due date, regardless of when lhe payment is acrually received and the remainder, If any, to the unpaid principal balance. Any lale charges. colleclion coses and expenses, dishonored chcc:.k charges and pa:ym~nts made ~y the Note Holder to enforce this Note and/or to prolccl the Notc Holder's inCCfcsts under the Security [DSlrUment (as defined in Seedon J J) will be asscS$ed separalely. Jr, on March '. 2028 , I Still OWe amounlS under this Note. I will pay those amounts In full on tha1 date. which is called the -manulfY dale." J will ma~ my monthly payments at Mnn"lt. r.A'I"'l\o~, K" mm'1! 523 FellowBh1o Road. S~~te 220 or 81 a different placc ir required by lhe Note Holder. (8) Amount of My Initial MonOdy Payments Ea.h of my initial monlbly paymca" will be in lhe amount or U.S. $?0<I.5a amount may change. This (e) Monthly Payment Changes Changes in my Dtonthly paymeDt will reOeel changca in tht unpaid principal of my loan and in lite interest rate thai I mu51 pa)'. The: Note Holder will dctcnaine my new in1eresr rale and the changed amourtt of my monlhly payment in accordance with SecrJOD 4. 4. INTEREST RATE AND MONllILY PA VMIlNT CHANGES 'ibis N... Is Dol payable In IuslalllllCDls .r .quaI amounls. lArBer IuslalllDoolS may be due lIS provided heRin. The inlete$! rate in err.., on th. date ollhls Note ("Iallial Rate") I' 11.000 % pc, year, which. c.cept ror odd day" Inleres', If any. will be applied 10 a 360 day yoar consisting of 12 month' with 30 days oach. The interest ralc J wilt pay may change on the first day of March 2OC-c .utd on mal day every 6th month Ihercaftcr. Eacb date on which my interest rate could changc is called -. "Change Dale." Beginning wilh the nrst Change Date. lhc interest ralc wUJ be based on an Index. The "Indcx~ is the average of i:Jlerbank offered rates Cor 6 moruh U.S. dol1ar-denomlutle:d deposits In lhc London market (hUBOROI) as published in lhe 'Vall S/rlel Journal -Money Rates" table. The .Cumn: irlda. is the most recent Index value available as of the dale forcy- fi\oc (4S) days bero~ each Chansc Dale if &I1eh dale faJls on a Frlllayor, if such dale docs not rad on a Friday. then me . CUlTenllndcx. Is lhe most rc:ecnt Index value aVAilable as of Ihe Friday Immedlatel)' preceding the date rony~five (45) days fA ImADI )V,:re. UBOR 6 MDN'TtlINDEX MTO NOTE INO 'PPI ~4 \lOI'lTH DISCOUI'lT/MOlfTUU SIMPI,F. . OENEIUC' 1")~HJ rAGE I OF) ...'T191.....PM ~..._r~' " " - ~ "" -"!i'r\t.~'0_ ~fore tach Change Date. Before each Chl-nIC Dale me Note Holder will caIculalc the new Interest rate. which, except for ..~ odd days' In..re.. upon pn:pa~menlln lilli, will be applied 10 a 360 da~ year conslsdn8 o( 12 monUu wi.h 30 da~. each by adding 7. Soo percentage points (the .Mlrsin.) 10 Ihe Current Index:. Wb.en a new nte Is dc(Cnnincd. lhe nte wili be roundccf to the nearest 118%. The Note Holder will then determ.ne Ihc amount oflhe Icvel monthly payment that will be sufticiem to repay the then unpaid principal in full by the marurity date or this NOlC. assuming lIJat all delinquent payments arc: made and Ihat aU furure payments arc: liIadc when dUe. AI the fust Cbange Date. the inlerest rate will Dot be increased 10 more ilian two (2) pcrc:cntage points above the Initial Rale and, at alllubsequent Cbansc Dales, ~c interest rate wUl never be increased or decreased on any single Change Date b~ IDarc lhan one (I) percenta8' point (ram Ibe nle of Inler... cha'lled during lbc preccdln8 alx (6) monlb.. The inlereSl nle will never be sreater than 17. DCO percent per year, nor will it ever be less than one (I) percenlage poinl below the Initial Rile during the entire tenn of this loan and .t DO time during the term of this 10'D wUl the rate be increased above the rale pe:rmihed by law, Tl1e new interest r.ate will become effective on the Change Date. The new monthly paymcnl will begin OD lhe fUll monthly paymem date after the Change Date and will remain in effect un~j\ the monlhly paymenl changes again. The Note Holder will deliver by mail to me a notice of any change in the interest rale and the amount of the new monthly payntem II Jeast twcnry.fivc (25) days before the cffective date of any payment change. The notice wi1l include iDronnacion rcqulred by law and possibly certain olher information as well. Except in the case or a Current Index and Margin less than one (I) percentage point below the Initial Rile And subjecl 10 the percentage poinl Jlmitations on rate changes described above, rale decreases will be mandai Dry upon decrease! in the Index detcnnined on Change Dales, but rate lncrc:ases based upon increa$cs in thc Index will be optional with the Note Holder. Howc:ver. the (aclthat the NOle Holder may not have made a penl1bsibllO increase in whole or in part will not be considered a waiver of the Noll:: Holder's right subsequently 10 make any other permissible increase within the limiu staled in Ibis Section 4. Adjuslments in the rate will be given I$ffecl by changing the dollar amountS or remaining equal monthly installments so tllatlhe Iotalamount due under Ibis Note will. ira1J delinquent payments are made and all future payments are"made when due. be paid by the original maturity dale of this NOle. As slated in Section 2, however. interest will aecJUe unlil payment in (u11 is actually made. S. INDEX SUllSTITUTION I agree dtat if &:he Index. is no longer made available, me: Note Holder will select a new index. which is comparable 10 Ihe disconlinued Index and the Note Holder will notify me o( thE:! change in the index. 6. BORROWER'S R1GIIT TO PREPAY J have the ri8bt 10 make payments of principal at any time before dlc)' arc due. but the Note Holder may apply any tendered payments first to any amounts dleil due and OWing UDder mis NOle or under the Security Instrument and theD 10 principal not yet dUe. A payment of principal only is known as a "prepaymenl. " I may make a full prepayment or panlal prepayments whhou( paying any prepayment penal[)'. The Note Holder will use all or my prepaymeRulo reduce the amount ofprincipallhat I owe under lhis Note. I( I make a panial prepayment. there wiJI be no changes in the due dales or amouoiS of my monthly payments unlilmc tirst plymenl due afler Ihe firsl Change Date 101l0w1n8 D1~ panlal prepaymen' unle.. lhe NOle Holder agrees In writing '0 \hose change.. My panial prepa~men' may icducc the amount o( my moamly paymcntf after the first Change Dale following my partial prepayment. However. any reductioa due to my panlal prepaymenl may be offscl by an interes~ ralC increase. Except as provided in SectiDn 7, the Note Holder eams aDY prepaid finance charge at the time the loan is made and no pan or it will be rc:funded i( I pay in full ahead 01 schedule. 7. LOAN CHARGI!S U a law or regulation. which applies to lhis loan and which sets mui:num loan el1arges, is fwlly inletpl'eted so that the 'lIIerCS' or other 10... Char8e' eollceted or 10 I>e collected in connecdon wilb lhlsloan exceed lbe pennlaed Umi... the., (I) an~ $uc:b Interetl aadlor other loan dJugt:s &hall be reduced by the amoum necess.ary 10 reduce the inten:sl and/or other loan 'ba'lles 10 lhe petlail.ed IlInil: lUld (II) any sums alrcad~ collected (rom me which exceeded pennltted Iimita will be relunded 10 me. The NCKC Holder may cboose to make thiI refund by rcdueil1llh~ principal I owe under this NOlc or by making a direct ,aymeal to me. If a refund reduces princIpii, rhe reduction will be treated as a paniaJ prepayment. I. BORROWER'S FAlLURE TO PAY J,S REQUlRllD (A) Late Charges (or Overdue PaymollU If the Nale Holder bas aot received lhe lull amoun. o( aa~ manlhly payment by the ead or fifteen (IS) oalendar da~. ,r..r lite date Ills duo, I will pay alale cbatge 10 the I'Iole Holder. The amaUD' o( Ibe charge will be five percent (S") o( ny sc:Iteduled parmo" of principal aad intere". I will pa~ Ibis la.. abarg. plOmpO~ bUI onl~ once oa eaoh late pa~D1enl. AD~ alc chugc wilt be in addition to Interest QO Ihc: then outslalldiD8 principal. (8) Delault I( I do no. pay the full alllOUal o( eacl1 mombl~ payment on Ibe date k i. dDe, I will be in default. If I am in delaul. nd the orislnal principal amouat o( Ibis loaa Is over SSO.OOO. tlte Note Holder ma~ require IDe to pay Immediately the lull npaid principal balance pi.. accrued and DnPaid Inleres. aod any olher am.ua.. J Iben owe under \his loan. However, I( Ibe :iglnal principal amount of my loan Js $50.000 or leas. aDd I am in defauU. the NOle Holder wDl send me a written nolice 'lIIog me Ibat I( I do DOl pa~ Ibe overdue alllouDt plus permitted co... aad expea... by . cenalD da.. the NOle Halder ma~ :quire me to pay immediately the full unpaid principal balance plus aCCNcd and u_npald lnteresl and any other amounts I then we under this loan. Tbal date mUSI be It least 30 days after Ihc dale on which the notice is mailed 10 me or. if it is nOt ,ailed. 30 days after tl1c date on which iI,is delivucd 10 me. "lSr'ADJ.lATG LlaoR 6 MONTH INDEX MTG. NOTE INO l'l'PI I MONTII DISCQUfolTIMottnlLY SIMPLE. OENERlC (;1)01961 PAGE20F 1 """"'IAB.PM ~~~<,"'~" --~~ ~-. . ",. -. . ~ "0 JlJli&\L"J (C) No Waiver 81 NOle Ho/l.lcr . EV'en if. at a lime when I am in default. We Note Holder docs nOI require mc 10 pay immediAtely ill Cull as described above. Ute Note Holder willsu11 have Ihe riCht to do so if J am in default at I laler time. (0) Payment or Nole Holder's CO'lS and Expenses (f I defauJc~ whether or not the Note Holder has required me to pay immc.diate1y LR fun as described above, \he NO\t Holder will have the right to be paid back by me for all of ilS costs and expcnses in enforcing this Note to the CJlent not prohibitc:d by applicable law, Those expcnses include. for example. reasonable aftorneys' fees nol prohibitcd by applicable law. I will also pay a charge of S 10 plu. any Icrual bank charges for each dishonored check., draft or other inslrumem issued by me in payment on this loan. 9. GIVING OF NOTICI!S Unless applicable law requires a differeD! method, any notice Ibat must be given to me under this No[e will be given by deliv~ring it or by mailing it by first class mail to me at the Property Address above or at a different address ir J givc the NOle Holder a notice of my different addtest. A:n'Y Dolice lilat musl be given 10 the Note Holder under this Note will be given by mailing it by first class maiJ to the Note Hoider at lhe address stated in Section 3(A) or al a different address if 1 am given a notice of that different address. 10. BORROWER'S WAIVERS I waive my rights 10 require the Note Holder to do certain things. Those lhings are: (A) to demand payment of amounu due (known as "presentment"); (8) to give notice thai amounts due have not been paid (known as "notice of dishonor"); (C) to obtain an official certification ofnonpa)'mcnt (known as a "pro[es'''). Anyone els.e (i) who agrees to keep the prQmiscs made in this NQtc, or (ii) who agrees 10 make payments 10 the Note Holder if J fail 10 keep my promises under this Note. or (Hi) who sigM this Note to transfer il to somcooe else (known as "guarantors, sureties, and eDdoners"), also waives these rights. II, TIllS NOTE COVE.RED BV A SECUR1Tl' INSTRUMENl' A Security Instrument of even date containing a descriplion of my real property protects the Note Holder (rom possible losses which might mu1[ if I do not kup me promises wbich I make in this Note. This Note is secured by \hat Security Inslmmel'!. That Security Instrument describes bow and under what conditions I milY be required 10 make immedirue payment in full of all amOUR[S that I owe under Ibis Note. If I do not keep the promises which I make in this NOle, I may lose my real property . 12. RESPONSIBILITY OF PERSONS UNDER TInS NOTE f( more than one person signs this NOle, e.lcb of us is fully and personally obligated 10 pay the full amount owed plus the charges as described in Seccions SeA) and 8(0) and (0 keep all of lhe promises madc in this Notc. An)' guarantor, surely, or endorser of (he Note (as described in Section 10) is also obligalcd to do Ihese things. The Note Holder may enforce ils riglrt1 under mis Note against each of us individually or Igail15l aU of lIS together. This. means lhat a.ny 'One Of us may be required tu pay aU of the amounts owed under tillS Note. Any person who takes over my rights or obligations under this Note will have all of my rights and must keep aU of my promises made in [bi3 Note. Any person who lakes over the righls or obligations of a guaramor, surely, or endorser of this Note (as described in Section 10) is also ob1iga~ed to keep all or the promises madc in this Note. 13. AI'J'LlCABLE LAW This Note is made pursuant 10 the Alternative Mongage Transaction Parity Acl of 1982- and applicablc regulations. Otherwise. 10 dIe exlent not preempted by such act or regulations or other applicable fcderallaw, PeMsy)vania law governs this NOle. In the event of a eanDiel between any provision of this Note and any federal or Pennsylvania statute. law or regulation in effecl as: of the dale of thi$ Notc, the statute, law or regulation shall control co the extcnt of such conniet and the conOicting provision contained in this Note shall be without effect. All Other provisions of this NOle will remain fully effective and ...ro=ble. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. 27~::~ (Sell) Borrowcr (Scol) Borrower (Seal) BOlTOwtf (Seal) BonowC( (Seal) Borrower (Seal) Borrower PA 1ST/AD'. RATE L180R 6 MO,.,,.H INDEX MTG. HOTE tNO 1'1'1'I l~ ....DNTK n1SCOUl'lTJMONnn.... 'J,1101M.e . GEH'EtllC tw3OI96) ""(jEJOFJ 1'lT29IAII.l'M ~.biiloi~~ _'; -I "-~= - .~~ 0/13' .;4'rn<-L .-- ~. \ 3 OhJu66'i",:Y/ . -r- ~ ". ./ \"" MORTGAGE 3),/ .Tanuarv 30 - ,199L. , wbost address nus MORTGAGE ("SecUrilY InstNmcnl") is (ivea on The 1D0rl&sro' I. JAI1ES L. HOOVER and MARJ.IR L. HOOVER i. fI':1":li"'RrRndv Run Road. N'ewvilJ.,p-. PA W2k.1 ("Bonowor"). This Security tnstcumcol is livea 10 EcIuitv One. Ineorporated which it otpaizcd lad existiag uDder lbt laWl' of PR"ncIY' vnn~ R I aDd wbOlC address is ~1909 Tt\Uhf! 11...1vp. Rllit,f'! 1.06 MrH'!hRniesbupv.. PA 1?OS'i ("Lender"). Bonowcr owes Leodcc the prillClplIl SUM Df: Seventy-four Thousand Five Hundred TAn fIInrl Nn/,nn OulJani (U.S. S 74,510.00 t this debI. is evideo<:ed by Boaower'l Dote daRed 1he saUl!l;: dale IS this Security Indrumt:nt ("NOlo.). wbich provides (or mO.ll.tbl,y payments ~ith Ihe fun debt, if !Jot paid earlier, due and payablc on March 19 2028 , TIll. SecurilY InSlrdQlCllt ~ures to LeDder: Ca) the. rcpa)'mCIII of the debl evldecced by the NOle, with interest.t. rate wblch IDa)' vary from lime to time. aDd aU reocwalJ, exleDsiops _lid modific:a.ticnu af'tbc Nate; (b) the payment ofall othtJ sums. wIth iotcrCllI at. rate which mllY vary from time 10 tiEue, advmced under paragraph 6 10 prolecl the ,ccurily of this Sccuri~y InslruDJCDt; 'lId (c) the pcrfOtDIaDCC ofBoaower's eoYCDlDls and agreements I1ndectbi. Securily IDStrUmCll1 and the-Noli:. For Ihcse pucposes Borrower does bcre.by tAortgate, gnlDI IUld conve,y to Leadcr tbc following desoribed property loealed in r.llmhRl"l~nd County. Commooweatth of Pcnnsylvaaia: t.C co -n rn ;;: Ii<I ;::; :.~ -I: ~ ~ ~~ -U ,')0"", ::3 0-'= c: 0.' ...... ;z""~ If Ibis box is cbecked see Schedule A ao.aeJ;ed hereto Ihd l:nade a pan ~f; ~ ~ (D"~tJ') ,;:. ." ..;! which Las the addresl of 633 3rOlldy Rim' Road (SIteet) '?241 ("Pcopctly Addres,"): Newville (City/County) . Porw:ylvaola (Zip Code) TOGETHER WlTH aU the improvement$ t10W or huufter erected 00 Ibe property. and all elJcmcnU. righlll. appuneDaaces, reats. rayallics, miDDJ'aI. oUlad cas rlZLts and profts, Miter righls aad StOCk ami all fixhlIcc tlCIW Dr bete.after a pact of the property. All rnp1accmenu and addil.ioDS sball also be covered by this Security Jostrumcot. All of the foreroloJ:; is referred 1(.1 in Ibis Security [astrumcnl as the .Propm)'." BORROWER COVENANTS that Bomnvec islawllllly ..Iscd oftbe es.... bcteby ...veyed sad bas Ihe rlgilt ro mD(tP:&O, lraal a. convey Ihe Property and Ch.t lha Property 15 uneacumbcred. a.cept for cocumbraaces of lCCOt'd. Bol1'OWU WBn&n1S aud wUJ defend pocraUy the litlc 10 Ih. Prvpcrty _ealael IIlJ . claims and deiD.ad, au~ to any. CIlCWnbraaces of reeoed. Bonowcr .ocI Lcackl' ~1ICD1Gt .Dd agree:: .. follows: 1. PII)'IIIOIII of P.....dpal. lntorat and Other Cborgos. Subject to _"Ph 10. Bono...' _ l'rompUy pay whea duo lb. prloolpd of ..d ~ o. lbe deb! CYldeqced by lit. Note ad aay I... char,.., coUecIlo. COIlS IDd _es s.d dbhollOttld ehocl: ehat&es as provided in lit. N.... 1. APJlru:ati..ofPay....fa. Vol... applicable law provldeo olhctWiae, Lead.. will 'l'ply oacb of Borrowec'. regular lDoalhly paymCRlI under the :iolc fin, (a accnIcd _Lad uopald Ja&crcst UDder the Hole u if Ibe payment Is msdc on ill de date, rc&ard(~ of wba the paymenl Is actually recd.VN ud the rema1Ddw,lfapy, tollle UIlpIEd priaelpal balance under luNate. ~a'1latc: cbarp (5" oC.1I1 pa)'JDeot Dol ..ado by lbe tad of 10 ..lead" da)'t allot lh. dale II Is duel, '.lIeello. co.1S Il\ld <<PODSes, di.bDDoml Dheek cbarccs and paymeats made by UQW to eaforce Ibe Nole aDd/Of CO protr.cl Lender's iulcruts UDder dlls Sceud'y ImINID..t will bo ..sessed JOpwlely. 3. Chare.sllJens.- Bon'OWcr 5b~1I.pa.y .u'~eI. aSSeslmelJls, charges, fil1~ aDd lmposJtiODI atlributa.ble 10 Ibe Prapel\y wblch ..y II\IltD piiomy:oyc: 1Ills Scc:Uri1y li1strumcal. and leasehold pI)'meo1s OIJ;ruund'l'9tr. if aay. 80mWet' .hil pay Ibm- "Obli~l!S" 00" timCl d~ly. to .the pel'JOO owed paymcal; Bon'OWCl' abaJl prompcl)' lumilb to LcndfCr .11 DOUCe:: Pr8qi.C!UDts 10'be paid under thil p".-.erapb, ud n:ccipts eridcuc;1Jg sclcb payments. . rA 1ST/ADJ. ,,^TE MOrrQACe - OfNe.IUC t1/1S1t41 MOtn'KLY SIMPt..1- NOO4IA.....u. PAOI! I of' ooud430r.1GE. .431 :::. ~:~. .'. " 1\:m.~c ~ ~~- .. ..>.-< . '. Borrower sbal' promptly clilChlrce Ill)' IICG wllch 'hu priority over this Securit)' ID:ltrufllCllI \lDless Borrower: el) .~ ta wriUae to tbe pA)'RlCIII of lb. obtiJ;llloa JcC\Ircd by the 1Ie.a In I m'DDCl' acceptable to Leader: (b) c:oateJII ia Cood (.11b Ibe tica by. DC dercnds 1&;liDst cl1forccmeut of the UeQ 1111 JeSll proccccllD&:' which la Lc.adcrt, oplDloa opctalC to pmre.llt the CGro~C4l af tbe Iicnj or ee) SCCURl mUD the holdcr or die lieq 'D aCcecmeGl ptlsC'actory to Leader fillLocdinaling the UeD to tbi. S..rity lastnlm~Dt. If Lea.dcr dclcmdaes lhu uy p.rt orebe Praperly is subject 10 . Ilea INbJcb mlY Ittala prionty over tbts Security IDstrumeat, Leader Pl')' zive Borrower a Galice idcntifyin& Ihe Ut:n. &rrowcr shall I'atb:f"y the lieD or take oae or more af the actioll$ I'et forth .bove wilhla 10 clay. of'tbc livin&:; or Dottce. - 4. Hazard or Property INurance. Borrower shall keep tho fmproYt.a:l~ls aow exl,dD& or' bEluftltC erected on the Property IDlurcd leliast 10ls by fire, bazards lDeluded Wilhld ~e tum .cdcadcd covengc. ad Ul)' alber 'Dazarda, incIudiDJ: flCJOds or ftaodlac. for wbJeh Lcpder roquira iasurucc, This i.......... .&.all be ...I...:aed i. lb. .mouots Illd Car Ihe perlods 1b.1 Leueler R<lul..... .0110 exeeed Ib, fall rcplaecDJcut coli of the bulldla!:1 aad hnprovcmenll 00 Ibe Prcpcrty. 'IDe InsuraDce OImer providing the iDluraace ahan be choseD by Borrower .ubject 10 l..eodcr'a: .pprovd whIch sball ISOI be uarcuanably withheld. If BolTOwcr f..ill to m&latala CQVOR&C described .bovo, Leader mlY, .t Lead"', optlDD, obtain CQyeralC to pro~1 Le.ader's ri,bts ill (he PtopC!rty i..a aecardaacc wilb pua&:;npb 6. All iDluraacc polletCl Ind reDewal, mu,n be acceptlble 10 lcDder and must iaclude a 'taodard mOt1gBI:'D clause iD rM\"Or or.ad In a fona at;eCplablc (0 Lcoder. Leader 'ball bave tho rlr;bt1o bold the po:lit:les and R=wals. If Lender requires, Borra'NCr .ball pcamplly give 10 Louder all rr:ccipls of paid prcmiuJa' .ad n:aowal GOtica, Ja the eveal of loss, Borrower shin give ptompt Dotice 10 the hUiUlUCO- carrier aud Lcadc::r. l.cDdec may maka proofaf to.a if nl)t m~ promptly by Borrow.=t. Uoles. LoDdcr and Borrowu otherwise acree ii, wriliul, lasuraaca p~1 ,ban k applied 10 fcstoratioD or repair oflbe Property dlm.accd, if tbe restorallon Of repair is cconomicllIy f~lble nil LeDdcr', Ilccurily ISllOl lesse-aed. If &be tcStoraciDn or cop.-it is Dol CC6CDndca1ly (eu'ble or l..IlDdet's ,ccuril)' 'WOuld be lellOaed, tba iClSura~ proceedl ,ball be- applied to the SUQUi secured by this Security Instrument. wbether or DOl dlea. due. with aBY"'CeI1 PJ5d to BOrTowcr. lfBottOWCf I.bllDdoGS' Ibc Property, or does Dot .aswa wJlhi.a 30 up. IlOlicc from Leadcc th.t Ihc lp!l:un.nce carrier hu affc.n:d CO settle a eldml then Leader may caUcet Ihc buunuce procccdl. Le,ader may use.1he prec.ccds \0 repair (lr restore the Pcopccty or 10 pay sums- HCUred. br this Security JU5lrumeat. wbether or ROI OIeD due:. The 3o-da)' period witl begia whe~ Uic. Golice lsl:iv~. . " . ::.. UDles:s Leader .Qd Borrower olbuwise 8g1U- ill wrllinc. _a)' .pplicatioD of proceeds 10 priJJcipal shall DOl eltecd or postpone tho. d~ dace althl!: monthly pa)'ments refem::d to 10 puagraph I or cbaoJ:c the amouDI "rthe paym~afs. .Jhpdcrparsgrapb 17 the Propert)' is acquired by Leader, Borrow..... ri,hl to aD)' insurancc Jlolicies: aDd procccdl resultloC from da,:p:aIC. 10 the hopel1)' prior to the Icquishion shan (WIs 10 LeDder to tile aleat of the sums lecured by this Sc.curity Instnnne.tlllmmediatcly prior to the acqui,ilioD. 5. Occu.pantY. PreserYlltlon, MaIntenance BJld ProtectioQ orlbe Propcrty~ Borrower's Loan Application, Leaseholdsf Candomlnlumsi )lIDDed Unll DeveJopmcats. Unlcs. BormwcstW, Joaa Ipplic;adon aDd Lender', la'D .pprov11 provlc!cd thllllho Property wu aot req,uired la be occupied IS Borrow"'. priacipaJ felidcaccf BolTOwct ,ball occupy, u<<-blish. and use the Propc:rty u Borrower'lJ principal n:ridcace wilhla 60 day. after the a:cc:utiOD. oflhl, SccUnly lalltumeot lad .h.n continue 10 occupy llie Property IS Borrower', priDCipll raldCDCC for It least 1 )'eal'ftcr the dlk: of OCCUpillGl;)', ulcsl Leader otherwise agrees in writing. which. COCISCDt ,ball aot be un.rcaoDably withheld.. O{ ualc.ss edcauatlD& clrcuD1staDCCI exl,t wbich ~ bcyol1d Bo_. ........1. Bo_ .hall 001 dealro,. d'lOlJe or Impair Ill. Prope<ty, allow the ProporlJ '" dctcrioral... ar commit waslo DD Ibe Propert)'. Borrower shill Dot permit, or bel: IlIcgocllO have pumlrted, Ihe Property III be uoed '" ..ooectl.. wilh ..,. mepl ac1ivily. I.lba' coganI. Borrower .hall be I. dofaull lI..y (otfe!b\rCl oedoo .rpro=din,. whether eMl or .....i..I. Is bop.lb.li. Leodcr'. goad rallb Jad'....1 could ....11 '" rorfeilu", of lb. Property ar .Ib......e malerially Impair the n.. ........ by Ibl. Soaudty Iast....eat or Leod..... .....ri,y iolon:.ol. Bo........ ..all .aIIo l>c: i!I doC...11 Ir Bo_, duri.,lbe .... -,pllcadoa 'PlOCCUI pya maleriall)' fillsc or laaccu...ID iafonnllloD Dr .r.rcmeal1 to t.&od" (oe rllJod 10 provide Leader with ADY IUterill iafonnatloa) in collDOCtioa wttb Iba loaa cvicleDCCd by tbe Hale, lacludiac, but aollimilodi ta. n:prercotatlODl caacetulD& Borrower's accuplacy oflbe: Praperty as. priocipal iaidcuce. If Ibla SeaurilJ _m'.11a o. a I.....hold, Borrower .hall compl, willi olllbe provi,IO" or Ibe I...e. If Borrow...cqal... roo ,111010 Ibe Properly. Ihe Ieaseh.ld aad lb. r"lllleshaU .al motB' .oles. Leader agrees ta the lDerE<< la. WritiDI. If Ibil Securily IDIIl'UlDcat Is OD . uDlt 10 . coDdamlaJum or I I'laDDcd UaJl d!;velopmeat, BorroWQ' shall perf.... 11I1 of Borrower'. obllgatlaa. uoder Ibe decloPolioo 01 eo_ll1a creal\" 01 ,av...,;., Ibe ooAdolDiaium or pI.Dlli~ unil developmeal. tbc by-laws aod rcplatioas of the condominium or platlDed uaJt ckveJopmenl aa.d cou,titucat documcDlI. 6. PrtIttction efLender's R1z;hts In Ih, Praperty. IfBorrowcr &n. to perform Cbe coyco.all .od alreemeal.l cODtlined In this Securtl)' IDllI1Jmcnt, ar then: Ii .leg.1 praaccdioSlhllllll.Y siplfi"atly .<<cd. Lea'" ri:hrs ia the Property (such as . procecdihl1a bukru~)'. pl'Obatct for condcmallioD or forfeitufO or 10 cllforcc lawa Dr 1'Cltl1alioDsh tben 1.cmSc:r may dD aQd pay for wbalcYe(' 1. I1CCCSsaC)' to pratecl the value: oflbo. Property aud LendCC", riCbU iR &he Proporly. Lea.dct', actions may IDC111dc Plying any SUIllS sc:cutcd by . Jico whlcb hu priodt)" over ibis Security Iftllnlmellt, payiGlinsuraoco. pRndums, appc-AriD& iD 1"" IJr/API.Illt.Te NOll.tOAOr.~ OetrvUCCl'Im41 t.lOr.tTHLT IIID'LB '"082''' 1oKlO41"'''AIo ilod430rAUf,. A32 '.. ::. :':~~ , ~ " ~.. -~~ "'Jl~"- ~ "-;' ,I ~ -< ~~~ '. . courc. pa)'LnI rcasoPBbtc atto~' fees and Cll.lcriUC Oil \be Property 10 make repairs. Althoucb Lender DilY u1ce lCIIoa uader Ihls pa"'J"ph 6, Leader does 001 ba.. .. do ... . . Any &t:l10UD" dilbuued by [..cader uader Ibil parages"" 6 lball ~me additional t;!ebt of BOtTOwcr secured by Ibis SC:C:Utity lnslculDAlI. U.a.lcn Borrower and tender .,rcc .to other 1cn:D, of pII)'D)cat. thCllic aJIIOl.latllball bc.t.t latctcat frenl dill:: date. of disbursement ..the rate. tbco in effect uader the N0t4 U""IUch nle may cha.ge from dme to dmetr permitted by low or, Ir 001, "lbe hiebeot lawful ",te ud .boll be payable, toeelbet wilh iucb tncerut, upon DOtIce: (rom U:ader to Borrower RlQuC$tlaS pa)'meat. 7. InsptcUon.. Leader or lls .,ent may make tcUoaable eutdes UpOD ud impeotiODl af tbe Property. Leader shalllLVD Borrower DOlicc at Cb~ tilnC of or priot to ID inspectioa. spedf'ylog ~ouablt ~ cause for the iIlspecUoa. . 8. Condemnation. The proc:ceds of aD)' .ward or claim for damac:cs, direct or CCJlucquentiat, 10 CODJ1ectloD with aDY ea~ualioa or oth" takiDg of any pili of the Property I or for CGDveyance In lieu of coadcltlnacJon, arc hcrc:by I,uiened aad shall be paid to Leeder and 8ppUed 10 ne. UDDUDC sClCUrcd by lhil Security Iastrumclll. My exCCls will be. paid to the peuou: lecaUy collUcd to it. Jt the PrDpcrty i. ab.aadDDcd by BDrrown. or if, :r.fter nolice by Leader to Borrower that the coDdcmDU affca; to make au ..waccl or ICftlc. '" elaim for damaa;cs. BonoWe(' falls 10 rapood 10 Le.ader withill 30 daY' ..Rat the dace tho uoticc ls liveD, J,.codar if ,vlhoOted lClI eo1l"l cad apply tbe: proeecck I at its OptiOD, either to restOratiou or repair orlhe Property or 10 the sums secured by this Security Instnu:ucnt, whetber or not tbca due. Unless I..cndcr .ad Borrower D1hecwhe agru in writiae. any 8pplicalioD of proceeds ID principal sb.Jt Dot cxCclld or postpopc.lhc duo dato ofthc mOllthly paymet:lls td'cncd to in pangraph I or cban~c Lbc: Unouul at' such paymCDtI. St.. Borrowertlol Released; Forbearance By Leader Not a Waiver'. &tcn.I[OU oflbc lime for paymeal or modification or amolllutlo. ar the sums .ecured by Ibl> Security r..lnlm...t poted by Leader 10 Barrower or to IDY IUCCil::l5Sar ia. iAIorc$I OCBoITOweC' ,halt DOr: opasl" to release lbo llablltty of the ori~uaJ Borcower or Borrower', suceelsorllA 11ll1en:.cr. Louder sblll aot be required 10 cammeace pcoceedlbgs .,.hUl Of IUccessor ia iatcrc:sl or refiRe ro tXtcad tlme .for paymebl. or atherwUe modify amortizetioa of ~ 'IUtQ"._ cecuM by ChI, S=udl)' IQllr1IIDSnl by I'CUOO or Ia1 demand IIlaIk by the original Bormwct or BOrTQWCC'1 IUF;CClSOn: JBlolerect. Any rorbeara~ by Leader in excrcishll any c1:'hc or remedy shall DOl ~ . waiver of or preclude the exercbl: of auy right or ~medy, 10. Successors and Assltns BoURdJ Suint and Several Liability; Co..sienen:. Thl: ooveDIDtS" Iud agreements of this Security IastcumCllt shall biod and bcbefit the:: IUCCClSClrs and assigns of LeZ:IlScr aDd 80mwet subjecl .. the provi.io.. of _raph 18 lB). 80"""""'.......... IlId a~reemealS Iboll be joinl ead""". Aay D.nowtl< who ...slJas ibis 8ecorlty lastcumenl but d.es nol execute lb. Nole: (alls .... denlna; ddt Security lastrUmCDt aaly to motlpeo. &raQI and c::aavcy that Borrower', iatcrcslla the l'ropcrty u~ Ibe ...... or thl, Soourll)f rastru.....t: (b) I, oal_Uy obUptcclto pay the SUOll .oourod by ibis Socudty hutrumcol aad (e) a&R'" that Leader ud any clber BorrowCf may agree 10 exlead. modify I forbear Of mUe ID)' aceoDSDJodaliODS with regud Co Ihr. IBM' of thla Security IDSlrUm~1l1 ar tb~ Nota wi1houl thai Borrowcr', CODICIlI and wilJaout thoRby impairinl thai Bonowcr".. obliptloGS lad IIlbUlty bmwadct. IL Lo... Charges. Ir the .... sooun:d by Ibl. _dlY lastrumelll Is IUbJooI to , law or rapBtloll which sell IIIQlm\lIII Ioaa cbarps. and Ihat law or rcplattoll is fiDAlly la~~ 10 1bat the ialcRlt or Dther loaa cbaqe5 cat1ccCc:d or to be. coUeclt.d la COIUI.CCI.ioa. with the 1010 cxcoed Ihc permitted limits, IbOll: (I) uy """ 1ol<lCat aad/or other loa. cblrgCl Iba\l be roduoed by the lII10unt .......ry .. rod... tbelD_ aadlor otbarloao chaqelto lbe perml.ad limit; IlId (b) aay ,U..I oIrcody aoIloc:ted from 80_ walch exooaded perml"" DmllI will be &dUadad to Ilona\Vor. Leodcr ..IY !'house to lIlate Ibl. _ by roduciol the priDCipalowed uodcrthe Note or by ..aId'l a dlrccl pay..... to Bamwet. Ita rcl\Iad rod__ pdDCipal, Ibe _I.. will be -..d .. a par1ld _ymeo.. U. N.Ii.... Aay nallce 10 Borrower provided for .. 'hi. Sacuril)f Illllnlmeol abaIl be li_ by doUverloB I' or by malll.. ~ by fitsl c:lass mon uol... applicable law lOl)ulres u.. of ..oIhcr mctbad. The n.tlce ahaU be tlllOC1od 10 Ibe Propcdy Add.... or any other add_ Botrower dealpat.. by ootlce 10 Leader. AJJy ..dce .. Leader sh,11 be rlv" by fitst c:Ias. man.. LeocIer'. odd_ ""tccI henl. or 'ay olber adckeal Leader dealpales by ootice to Do_r. /vi, ootioe provided lbr I.lbl> Secudty r."lUmealsban be deemed to have beea liveD. to BortDWCl' or Lecukr MlCD liven N provided ID Ibis parapaplt 12. 13. Govunlns Law; ScYcrabll1ty, Thll Secudly ItlSllUmetlllball be 1''';'''.0 by fadem law, lacludinJ Ibe AI.....alive Mortp~e TIaosactlo. Pallty Act or 1912 ocd applicable regulatloOl, Peooaylnol. law aud aD)' local law Ibat appUes Ia. tbe ,lam in wldcb (be propeny i, localed. la Ihe cveaI that III)' pn:Jvlsiaa or dausc of this Security Jastrumut 01 tbe N:OIC cOllfUcIS with applicable law, sueb COnflicl ,ball DOl dl'ec:I athet prov)lloll' of this SDCUrity lDdt'ullu::nl or 1ho NOIe which call bo givca effect witboul Ihc. col1flictiag ptOvl.ian. To Ibis eJld Iho proviaioDJ DC Ibis Security lDltoamClj.I and Ih~ NolC are dcclutd to be severable. rA 1S'f''''tu.....U NORTOADa. CleH2JtlCO'I.5I94) MOHT1tLY IlNJ'LI tAOeJ.tf MGOHAI.PM lod430,ACE A33 .~ . ~",-,-, ,. r--"."~ "., -""""00< .i, "]"'Q..~i 14. Barrower'. Copy. 8orrowu &Cbo~tu rceeipt of' photocopy or . coafanncd-'copy of the Nole aDd of ibis Security JMU\lmect. . IS. Sale or Note; ChlD&e at Loan ServJcer. The Note Dr, part,allntcmt 1a the No~ (togelher ~tb this Security JD$kuDlCllt) may be 101d aGI or morc tlRlCS withouClJrior ootlCl:- 10 Borrower. ^ ...1~ a,)' ct.Iult b a cADge in the entit)' (1cnDWa IS Ehc "LaIUl Sccviccr.) Ibat colleats monthly plymcau: dllntadl::' lbc Nota uti thb: SCDUrity loalrumcot. Thera.[so IDa)' be aDO or liIlOrc changes of tLe Lou Scrvlecr uardalcd to.. Illc ollbe Note. If there il a cha.age of the 1Ma SetYlcer, BortOWCr will be civea written ao'Jte .cr the chance In KCOrdBDCB with parapaph 12 llld Ipplkablo law. Th~ Dolice wlll.talc tbe- Dame _ad addrus af 1I1e DCW Loaa. $qvirxr and the. addrcn to which p.yments shauld be. made. The Dollce will .Iso coauia any olbet iafanaatioD. ~uim! by appli.cable law. 16. Huanknq Substances. Bo:rowet shalt DOl C3USI: or pc:rmit Ihc:l preseoee. u.e, dlsPOIllI, .tGrlISC. or release of any HuardO\ls Substauces o.a DC' III tho Properl)'. Borrower thaU aot do, Dor aUo-w auyoe elscs to do, lIDythlDI affectlog the Fropeny that is to violaliDa of &u)' EDvltaamcutaJ Law. The pR:ilXdiaC' two IeIIfc:aacJi .ball oaf apply to the pMfuc:e, UIC!, Ot 5forace: 04 e~ Properly of ,mall qu.mdtk$ of Huardou. Su~aCC$ that are gcaenlly recogllhed 10 be ~propri.~ IC' normal lUidc.aUal uses I.l1cS to D:).ilDteD.l~ of the Pto~y. . Borrower shedl promplly ,lve Leader written notice of aD)' lavt5liJalioa, claim, dernUld, lawsuit or other' actioa b)' u)' I;OYaJUllc.lll.l1 or ,rqulatory aa:cacy or privi~ part)' iuvolvto, the Property aDd auy Hazardous SlIbltaoce or EQvironDlCDlaJ Law ofwhlt:h lJorrower bas lelual kaowlodge. JfBorroWCl;' lurDS, Or is Dotified by 80Y govcramctllal or rqul8lory authority. thai aoy removal or other rc:mcdl,tlob .of any JtazardallS Substmoe affcclitlJ,lhe Properly is nccet5ar)' I BortOWer shan promptly taJce .n MCeStlty remedial IIctiau'll.ccord&ncc wiUI Bavln:li1limeatalLtw. . A. uaed ia thil pataltlpb 16. .HUltdolll SubstaUCQ,. 1111~ those SUbslUCt.I dcflacd as loxlc or huatdoul l..bstaDCCI by BaviroameQ~ Law aad the fallawlaJ subtlat1ces: casaliae. lead.based pt.Lal, karmeae" Dther flammAbW or toxic pWoJeu.m produds, loxic putJ.cidCJ .00 hrbiddul volaliJo .oJvoals, .tI1aterl,l, COD.talohsc U~IOI or formlldehyde, lad ndlo:acllve marcrialll. /'U used ill this pal'ler-pb 16, .EDviroGDleatal Law. mcam federal 1,,,,,, lad laM of the jurisdictioD where: the. Property is located that relate Ie) bc:alch. tafely or envkcAmCDtaI proIcdioD. 17, Lender's Righu If Borrower Falls to Ke~p Promises and Aerecmenls. If =1 Df1h~ e:vcor; . Or CDodiltoJ1t dc:scribc.d iQ lIubplU'llgnlpbs (A). (D), (C), (D) ot (E) DC ibIs plnltpph 11 ,hall occur. the:n (i) it the ort;lQ.ll priacipal amount of the Note exceeds $SOI~1 Leader may requlra 111a1 Bon-ower ~y , IlDmcdillcly the OGtit'l:l amount rcmab-1-::,~ :!opal.;t l!!:<:t~ tb~ Note ::.ud :'J.ls Secur.ty IB.lItnlmeEitj Dt (ii) If the ' otigiad amaQat af tbc: Now. i. S.fO,cn:J or len, Laldu, l""'liviog Bottowcr tlmeJy Dodce of Borrower", right lo eurc u 11 thc:u required hy applicable law IUd Borrowcr's f.ailure to CUte witbia. the time period Jd fonh iD such I;loticc, may requIre thai Borrower pay immcdillcIy the entire atDouat rcm.hdD& uapaid UDdc:t the: Hole aad Ibis Security ID'truascnl. This requirement will be called "Jl:Dmediate PayruCDlla Full.. . If Lender f'CIJuitea Immodiabl Paymeat Ia Full, I..e:sduf may brine. la'WSuit to tUc away IU of Bono'Ntc'J ~alDi.oC rights ill thll) PI:oporty aDd 10 havc the Ptopcrt'y r;!;IId. AI thla sale Lender at aaothct penoa m..y acquire tho Property. 'Ibis is kaown u .forcdosulO aad Ale:.. If Lbc proceeds of this ute IltC itllUfticiut 10 replY Lcudcr the amounts due to l.cIlder from Borrower uuder 1be Note and under this Security laskumMt, Leader may. to the exleD.t aot Iimll~ or ptabibilcd by law, obtalu. court judsmetlt apiaet 80nvwer pcaoaally (or Ibo diffcRDte betwccrl all mOUalS dUG from Boaowct UDder' the Nolo ad Ibi$ Security Ja.numcat aod tbo salo proceeds. 111 uy law.aU for fandosure lad sale, Leadlit' will bavc tb~ debt ~ coUect aU eos.. .1Id expQISIC5 of the foreclosure lAd sale .I1owcd by law. Tblslocludclllttomay's fees &Del CO'" of lid. ovld_ penoifIed by appljcabl. Jaw IlICl RIll.. of C.urt, .... "."""y', foeo lot boulnIpll>y pcacaadin&" (incladine dforb .. ..adlfy '" v_to '.Y lIl!lO....I. ...y '" inja.ctioD). AlI.uch ..... u _Y ""IDe daawiU be ....nod by lb. Ilea .r lhia SoouriIy 1.S1l1llDO.L LeD"" "'Y '''lalro lm..odi... Pa)'lllaa' I. Full .nder IhIs pu1IJIJpb 17. It. { (A) it is due; or IlolTllWl:f wll lO mak6 ..y P"f1I1\'l'l R<.:oircd by Ill" Nolo or Ibis S<<:urily 1as\(U....t whaa (8) Eacepl ia Ibasa l:ireUbliJt&DCClJ la which fedorall&w odn:rwbe provides, .U or 10Y part uribe Propett)', or any rigbt ia the Property, II lold or lcansfcrrcd widlaul Leader'. prior waiteR COUe.at .(or,lf Ilorrowar i. 001 . o\dUral par.... If. beaafoc:lal lnte<elt i. 80_ ,. .old ar I.....Cenec!); or {C} Oa .pplil:.tion oC Leatder-, two or mote la:s:vrauCt: qoQlPIlUU rlc=ed to do buflaeu ia tbo SCalc Iv wbic:b Ibc Ptopeny isl0cat0d nruse to Issue policict> lalUria. thD buUdlulI aDd Imptovtmcatl in. the- l>rapcrty; or CD) Bom>wor wl.lO ...." ..yolller p",mis& or qr_..tln lhl. Security Instrument wllblalhc lilDe- ,et fortb, or if 11.0 time. is let fordi ia Ibis SccLlril)' lm:trulDonl, \beD wltblrl1hc t[me. RI fortll in lbe DOtice Ical to SorroWCC' by Leodcr; or . to. ISTlAGI. RAft MOkTOAOI. OIHUlC PIISl94. \(DH1lIt.Y moLl . rlo0l14I!' MOlMIAI.J'M .BDuK1430 rACE t434 ~J..~M~' .-,,~ "" ~" ~ ....~ : (E) MY represea.latiaa. made. or IDromatieR Is:h'ca Ia Leeder by Borrower 10 caaDCCljoD with Bono",""1 applkatlaa for this IOID II C,tsc ar milleadili,la. IDY lJlI;!-=rial n:IpCCI. J8. Assipunent' at Ren.ts; Appo!r.tmtnl 0:' R.ec:eInr; Lender in Possessioa. M addllloaal securily ben:vDdcr, Borrower hCRhy ...ilOS to Leader dIe r"w o!lbe pMpeny. provided that BoctOwt.t .hall. prior 10 aoc:cleratioD uadu pan&&raph 17 or abaudOUIDl!G1 oClbe Property, have the riEhllD collecl 'and rebiD "'eh ...... IS Ihey bcccma doe aod payable. Upo. .=1en1i.. uoclet pan.gcapb 17 or obaadol1lll<llC of lb. lWpeny. Loadu1 la persao. b)' .J;w or by judicially appolGted receiver sbdl be ullded to cater upoa.lIke po.lChiol1 af uel m1nacc the PtGpccty lad 10 colloet thc reots of Ibc PfOpcrty Iacludiaa: those pUI due: All reDU colJc=<<ed b,.t.eDder ot lbcr: rccctver .ball bel applied first: 10 paymeDt of tho CMtI of mlaaCcmcal of Ibe Properly aad !;OIIItCIIDO of CCAtI, iaoludiGC. bat Dot limilcd to, receivar'li fees, premlura. OD tcedvcr'J bagd( aDd reasonable attorucys" feel. and Ihco to tbt Ilim., secured by !his Scc.Prity IQI~rument. :louder and the. receiver sball be. liable 10 ~Dt" only for thosc; n:at$ IlI;:tuall)' recdved. 19. Relu.u:. Upon paymca! of aU IQms secured by thb StcUrity tost.nJmeo.t, Lender shall di.d1at&lS this SecuriLy IDSttumcct wllhou111;:huge to Borrower. &crowcr shall pay aU costs: or recordaUoa, If aDY. 2D. No Calm of Credit far TaxeJ. :Bortower will Dot DlakC deduotiOD (ram DC claim credit DO. the principal Dr lQlcrul 5CCU~ by this Security lastrumiCllI by t'Ca:50Jl of aay aovemmcotal tax", assessmeols or chlflel. Borrower wUl nol claim uy deductioD rram the taxable value of the Property by RUOd of this S-rily 1Dst!\l....C. 11. laterest Rate Afler Judement. Borrower ageus that the ialcrcst Die payable after . judgmcDt is CDlcrcd oa l~ NolO Dr in an acUDD of mortgaga foredoaurc shall be Ibe rate stated ~ tbc Nate. 2Z. ltIden to lhb Sec:urily :nstn:mm,. :f ODC or motel rldcn; are executed by Borrower and recorded tGplbcr willa tbl. Securit)' tallnament. tho COVChldtl and aJrccmqts of each Bucb rider shan be incorporated lalo and IbaUamcDd aad supplcme.at Ihc cover&aDts sacI' .,RCmcnls or thl. Sccurity l.Dstrumcnt u if tho r1der(.) _ . pari of Ihl. Secllri.y .....!\Imen.. (Cbeck applit,b'. 00'(..)1 ::;:" lia AdjllSllbl. bIc RIder .- o Coodomiaium Rider o 1-4 F'Dlily Rider o (ltadUaIcd P.~ment Rld.r o PI.aned U.1c Dcvelopmeal Ride: o Biwee1dy Paymelll Rider (CONTINUED ON PAGE 6) rA 1ST/ADJ. tAn MO'-Tw.ae. GI!HU1C plUlNl worma..r IUG'I.E 'AGE''''' MQOIll"I."M Bod430rAGf, .435 ~ - .- Ollila' l~' ,', ~"".:' '.' ..' .. D Otb...(.) ((specify! Cl RAle lmpro"'~~1 Rider 'f [J Secoad Horne Rida , IN WITNESS WHEREOF, Berrowet Jw: e:recuted tbiro MDt1gag~. W1tQcs'~ ~~,.. . J .s LA ,HOOVER 1l0rrower em ~N-i 1Itn>(P-/ MARLIN L. HOOVER 1lam>W<l ..~,,~. ~ Borrower llorrow..- I hereby certify Ihlllh. pn:<:iI. .dd...s of lb. LcIld<r (MOrtpgee) Is: 49rFi Louiss Drivo, Suite 106 Machllllicsburg, PA 1?055 O. behalf af lb. Lead.... By: 8t.phe~~ d~rdt TiU.: Manager ...,. COMMONWEALTH OF PENNSYLVANIA, Cou.\yos: Cu-...",_<> . JlUllJl!l'Y . " 19~botoo;me;' tbe: underslJDCd officer, petSouaUy'" Oa lhis. .h ,Oth d.ly C1f a Notary rublic "l'pcon:d JAMES L. BOOVER and HARLIN L. HOOVER kDawu to m. (a. ..tisr....rily P<O""") to be Ihe pen..(') whose 1WI19(S) . Rlbscribe4 Co the widUd iafirummt .lad "btow'cdtcd ~.t they ptlrpolCl bcteb1 conla.iDed. e:t'e: exoculIld '" It11JO rorlhe IN WITNESS WHl!RIlOF. 1 hemla'. set my haud ." My ColllJlllnl.. e.pl...: NOll\RIAl.. SEAl.. DAIID.tt. SlllNE. NoIary I'lIbUc New CUmboIlmd IlolO. CID11be!Iand Co. Uy~ElJim Nor. 9,1!198 Tld. .r Officer -ex. f\~<<{ ('>~~~.,. ........:r,.v... ~~.:i1~~.".. .~..."....\} ,.~..-:~~.!-:)..;... " -~:,'~~,;~.....; (j'i:. .,...~.-O... :C\."'-:).---';:.,....., .,.. .i:.::'I.!~~~',:l~rn; i5 .'CtO:::t~'1'-s..... ~ ~..;.~, 'o(.~. ;:r.;.t i\FrER RECORDING RETUIlN TO: : ~ 7-',,~ot.:r,"_'!;k- .:;J;..... J ~D~:....::.....~\..... ....lJ~ 4.:j._....~1.....~.... ........ .... ~. ............., ~ >'l}.~~:.;3'tJ...~"":.,'~.... :. -&:-~"\i~~ '.~' .' Equi1;y One, Incorporated 1.909 Louise Dr1ve, :suu.e v".,.hRtl1r.Abul'~. PA 17055 IVtl 'A. 1&T/AOJ.1.ATI lo(OUOAO.l:. OIlHSlC' pUJIIQ .........y........ PAD!. 1 11(. N~IA..I"M 8Ild430rME .436 ~jj ,- - > -~ '1",,~!il,iU .;. ~~" ~-- "~ , ~- - ~; .....".41 II :l/.~; 12:0epU; ; 2-02-1938 1.1_1 711 714 _ .~ UtilITY DNf; .1 FRCM STClf>E: lAFAVER STOt-E 717 774 3BG9 P.l :, . ^LL that certoin ~rac~ ot pzxcel of land an6 p~~lEe6 situate, lyinc end b@int in the tovnship of ~pp.r Mifflin 1p tb& County of Cu~b.rland and COGMonw~.lth of Peftn:y~v6nie'mDr& p~rti~ulDrlY de.cr1bed .. fo11o.': \ IN aecotdanc6 with. survey by tD~ o. Dietsch. l.S" dated AUlvDt, 1~67, as fol1ov~: BeCINNING at I point in th~ center of L.R. NQ. 21941. ...id p~int beina Mar~ 48 d8&r&e~ 30 min~teS Ya9t 56 Iods frQ_ the southern corner of land na~ 0' for~erlJ of J9hn A. ~1 and Mary M. Lay. his ..ifa, a04 now Qt: fomedY of C. 1t1ehsrd Wbulel"i thUl(:1! by ..aid land of Lay Aud of uheeler North 2~ ~egre8s ~5 mip~tea ~ast 9,93 rods to . $tske; then~e br the aam_, ~orth 34 d~&re~9 00 .1n~te~ gC&t 19.65 ~Ddt to . 8take; thRnc. by. the Btme. soutb 60 desteBS 15 lIinv..' w... 8.7 tod. to' a point ,iV thO cen.er. of [,.2. No. Z10~1. a!ot.slidl thence by th~ cen~er of ~~U. No. 11041, $outh 26 . d.gr~ee IS mi~utee ~o.t 12.6 ~od. to . paint: chence by same, 5.utb 48 deg...' 30 lIinut.. Eo", 13 ...ds to .ba pl.~. of B5GI~NING. CONtAINING 2 .c~8t.1D pe{che$. BElllG the .am. pn,.i&e' which Marl'" L. lIoove"an~ 1\.0.. J. RqoVe.. bi. wif., ."d J..... L. Hoovo., br ,!toi. de.d d...d lI.reh 24. 1995 end reco.d.d 1llotch 24, 1995 in the Office of the !l.c,""or of n..d. of Cumbo.,..d c.untr. Pel\'llSyl.ania. 111 l.eco'td Book 120, :rlLse 12.~ grant4-4. and couv&yed unt:o Jaw. L.. ROO'1.er and }(arlil' L.. 1tOQvvr, )lOrtSliQt's h6rei:A. ~od430rAGE ~4~7 .' .. .. ..;;....... '. .;..... ;. " ....... '':';'./;::-.-.':.:''.::;'.:. .. . ":::.:.' :':.., ... ...... ...;," ;::.:../..':,:.. ..... ;:.,:;.:>..:..:::..:': .. ....:: ..... !..;; ....... .::..:::'.: .....: ....-. .... . '. . .':-: 't.;.- ........ :..':....... 't.':" .'. ... :..:..... ..' " .-:.... '.. .'. ...:.. :..: ....' ',.: .' '::;::'':.:~.r' .... .... ....... '. ~ .' .........:. ...; ......;. '.' . .... ......... " .'. ~0I!l'-~~" "'i 1_ - . .' " ADJUSTABLE RATE RIDER (LIBOR 6 MoDlh IDd<x (As Publisbed In ~ Willi ~." Joonral) " Rate Caps) ACCOUNT " 0800554941 TIllS ADJUSTABLE RATE RIDER is madelhis .2!ill!.......day of January- . 1998 . and is incorporated into aad sball be deemed 10 amend aad supplement tbc Mortgage, Deed of Trust or Security Deed (lbe 'Security InsltUment") of lbe same dale given by tbe undmigned (lbe "Borrower") to secure Borrower's Adjustable R~te Note (the "Note") to Rolli tv OnA r. TI'lt'!nl"no!'l:11;ed (tbc "Leader") of tbc saine date and covering the p"'pe!lY described in tbc Security Instrument and located at: li~':I TtrAn~V Rnn R'n"'~ WAot.nti1lAI 'PI 1'7"~1 (Property Address) THE NOTE CONTAINS PROVISIONS Au.oWlNG FOR CHANGES IN THE IN'IERI1BT RATE AND TIlE MONTHLY PAYMENT. THJl. NOTE LIMITS THE AMOUNT THE BORROWER'S lNTERIlST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In adcHtionlOtbc covenantS and agreements made in tbc Security Instrumem. Bonower and Lendct lurtber covenam and agree.. follows: I. INTEREST RATE AND MONTHLY PAYMENT CHANGES 'The Nate pro~ for an inilla1lntere&l rate of 11.000 ,. (tile "Initial Rate"). The Note provides for ch&ll8es in the interest rate ancI tbc montbly paymem. as follows: This Nak is not payable iD _n~,.... or equal amolllllS. Lazier InsI:lIImeUOi may be due... praYlded benhI- The lnleresl tale In .ffCCl on tbc date of dlls Note.' . ("Initial Rate') 1& 11"000 ,; poi year. which. exoepl for odd days' int....t. If any; ." will be applied to a 360 day year consisting of 1:1. moll1lls with 30 days eatll. The Inte.... rate I will pay may chang. an the first. day of Maron '. 2000 L"ld on thai day every 61b monrh Ibcrcafter. Each date an which my interest rate could cbauge is called a "Change Dale." Beghmtng with the first Ctwlg,e Date. me; interest rate will b~ based. on an IndEJt. The "Index" Is tbe average of Interbank of[ered tales ror 6 molllh U.S. daUar- danominat<d dcposilS in lite London _t ("UBOR") a. published In TM.WaU Str.., Jountal "Money RAtes" table. The .CuneDt lDda" is the most reccut Index value available.. oftbc date forty-fiva (45) daya before o>ch CbJnge Date if I1lcl1 date falb o. a frlday or. If I1lcl1 date does not rail on a frlday. then the 'CUIIent Index' is the most recent lad"" vaI.e available.. of the l'riday immediately prceedlng the date fo"y- five (45) days berore each Cbange Dat.. Before each Change Date the Note Holde1: will lSTll\J)J U1i.1JIOJl 6 MOttm INDEX N'IG..mElt (l1li1l961 14 MONTH otSCOVHTlMotmILy SlMIU . SHQaTpgD( . GDI1R1C [USIl1:(T111 $fATI! OF J''DINSYLVANIA} PAGCIOFJ CDlt6AB.CSA 9od430rAGft 43g .':,' .., ... .. . ::. -'.' , ..../:~:,<..::~:',t;\:.-2.. :\;~~;.:.,:'g:&+Y~:;\?;,... .,: ::.:. . .:.:.... ....:. :..... ...: ':':.";.\. : , ,;/;:::<\;~':':::'::~\<;?~' \,,:~":::y...~::'.' .' ... .... :.:::.:.;:::::'<::;:.'.;~:::.:::-:,:::: ......;:.:....... ...:..:... :..-::..-;:.;.....:..;.:..... ,.......... ...~:.?:,;::.;:\;: '. :." ....:: :.:.;:-... : ':":..:. '.:.:~:..': .... ... ...... '. ....::. .'.::>:::.:/. .. ..:':'.::.' .... ..' ~~""""ira~~~~, ~, " ~~ .~; .~:7.' . ::'-" ~"",,""- - ~. '; ulculal:e the new intereSt rate. which, uccpt for any odd claya' in1ctcst upon prepayment io full, wUl be applied to a 360 day yexr cDnsisting of 12.mo11lhs with 30 days exch. by adding ? 500 pc<OOlllISe polnu (lbe "MargIn") to the Cwrent 1ndeJ(. When a new ral. is delCllllined. dIe..1e wUl be rounded'D Ibe neates' 1/8%. The NDla Holder will theD detenninc die amount of !he level mODtbty pilyment that will bl:: sufficient to repay Ibe then \I1lPaid principal io full by die lIUluri'y dale 01 this Note. asswning tbal-all delinqu~u.lce.llUde and tba1 a11Iiuur<-plylllc:l1lS.lre.mlde when due. At die filSt Cbaog. Dat.. 'b. inter... rate Win aot be increased to more !ban two _ (2.)..p<l=go. poiol(s).ItIgher.lhan lht:.lnidal Rate:BllCI..1lan subsequent ChIng. DateS;.. dI. inler'" ....'Will ncver-he'incl<BSed.or _ed'on any-single Chongo Dlte by more-" !ban one (1) pcrcentage pOlol from the rate of iowest charged during th. preceding six (6) m011lhs. The iJtt.rest ..I. wiU never be great.r thm 1?000 1"'= p.r year, nor will it ever be less than one (1) percentage point below the Initial Rate during the entire term of this loan and 11:' no time -during lhe term of this loan win the rate be increased above the tale pcnniucd by Ia-w. The new interest ra-Ie will become effective on the Change DlIle. The new monthly payment will begin on the flI'St monthly payment date after the Change Date and will remain in effect lD11illhc monthly pay.ntnt wnges again. The Note Rolder witt deliver by m&il to me a notice of any change in the interest rile Ind die amaunt of the new monthly payment at 1- twenty-five (25) days belor.th. effect~c date of any payment change. 'The notice wnl include information required by law aod possibly certain other information as well. Exceptio the .... of a Currem Index and Margin less ,hart OlIO (1) pc,ccnug. puiol below tbe 1oi<i&1 Rile and subject to the p.n:entag. paint Iimlt&tlon(s) 00 "'. changes d4lerlbcd above. rate dec....as will be maadatory upD1l decre.... in lbe lod.x determiDcd mfChaa8e DateS, but .... increases baaed upon incr<Ue8 in the Index will be optional with lb. Note Holder. Howev.r, the fact that th. No'e Holder may no' have made iI permissible increUe in whole or in part will not be considered a waiver af the Note Holder's right subsequently to make my otherpmnissiblc increase within the limits lUled in titls Scclion 4. . . ~ Adjustments ia the rate will be: given ~ffcc.' by changing the. dollar amounts of rema.inin& equal monthly insmllmcuts so that the total amount c;iue uBdcr this Notc wlU. i{ all delinquent paymctlU are \DIdo and all fnturo payments are made w~en due. be paid by the original maturity date of this Note. At, st1lcd to Section 2, however. interest will accrue untU payment in fuU Is actually made. 1ST/ADJ. RAT! UBOR 6ldCH1'H INDEX NTO. JJDBI (lOftl961 J4 MONtH DUCDUHTIloIOICI1ILY sum.B .IIIOIlT FORM . oliNDlC lUSIll'I "I'KE STATE oF P&NNSYLVAMAI JlAG6t01"3ò CEn96Al.IJSA ~ood430 PAGE ,469 . :':''::'::::::::-'.~'\~:>':''.;,:., ;:...... ":> ....:.:...::..:;.:.. ,'.::,' :.' ::~ ~-:':'.;:'; ,.;. ~'.':.. .f...... " .: . . ..... '. -..... "', ',. .~.:../. . ..,::.....,... .... ...-". ...;.. .:....: .... '. . .' . ..' ........:...... :"..:A:.~.:.'.::::\/r:} ')., i< .: ..'::;.~" .... .. :'.' :." .. ....... .. .... ~ .- r:J-.iJlJil::':lr-:; ':' .:.; ~ "-- ~" ,~ ,__J . :' ... . '1 1. Section 1 of lbe Security b1stnll1t<n1 is henby delded In ils entirety and replocad with the fana~ . ' APPLICATION OF BOllROWER'S PA VMENTS Unless applicable law provides otherwise, Lender will apply each of Borrower's regular monthly payments under the Note and under this Security Instrument. first to a"""ed and unPaid-interest ... .unW:t lbe NOle, .. if tM.p"ymelll is made. 011 its.duc da~ scganlles.. of wben the p<ymen' is ',,' lCltI2IIyreccive.hnd the'remairulcr,.lf any::to the'unpaid'prlncipal,f,alance under the Nole. Any'" ".Iate.chuges (S% of IJri payment noI'nwIe bY the. om! of IS .c.alendar d&y; aner.he d&tc,ris , due), co1leCliOll.cos1S and expenses. JlLw.nor<d:cl1eck.oIu.rg....nd.p.ymenlS. made.by, Lenderlo ' ,., . ~nfQrce lhe Note i1cd1or.to protect.l..e!ider's.~intereS[I':unde:r-tbis..Scc:urity h1suumcnt will.be . assessed separately. BY SIGNING BELOW, Borrower accepts and agrecs.lo lhe terms and covenants contained in this Adjustable lQte Rider. (Seal) Borrower lSc.aI) Borrower .... lSeaI) Borrower lSTIADJ. IATIl UB0Jl6 MONTH IPlDEX NtO. RJDUII01IIN) 1,4. MOrnH DlSOOUHTIMONTBJ.Y SJMf'LI. . $lml.T FOJM . Gll!(QjC lUSIlN TIll nAD 0' PIN1'4YLV>>RA1 .. .. ..:.;.. .,.;..f :'. ..:::.;: ....:~..:..,...;......>:,~::.;..: '. ....::.:.::.. .~.'...:-~.r'.. .......... ,. :.:.:.:.:::':':i" , ...... :/.:;::..>.f.<.... ..........:....-... " ....... ~.. .~ .. . . ~~ IS..I) S L. HOOVER Borrowu tm rM~''f''..i. J~--!S.'I) MARLIN L. HOO Borrower CSc.aI) Borrower .- pNJf,3DFl ~od43QfAIlE .4~O . .::::.. . ..::.. ;..:~.... .:: .::.; .'. .~<. . .:: :. :.' .... .' ....:; ....:.'..... .' ;..:.::....-:.::,.:. : .' ......; .. ..... . '..... . . .. '" .~ . ..... .. ~... :.... '.:.:.:):. .'. ....... ..... ..,. . ....... .' ......... ....,'.,.. ....., . ....' ,0 ....-...... .... ._..J; '~ ...:,'. '::.:': ..... :....... -..... '.J:..: ..'; :':.:.' [@ ,,.:... ,'.;:': ...... - "~~ " . ~ "" . FRQ1 : ECI.IlTY O~ ~HT ( a~,~NilCI -", r Asslg~me'ih :JfTvfml~d!;lo;;; , KNOWAlLMEIlBYTHellEPIIESMS.ho' . OJt;(}dcf~Ck/ /" L 'Equity One, Ineorpor&ted r ///", :, lot consldtra1lan paiO. dQ.es Nt'ctbr aS$lgrt. UllfISlcr And t;el !iWe' unto..,..:..-' 1 ;)1 . Alliance Funding Cbmpany, A Oivisdotl of superior -sIm); . 4soo Ritter Roa~ u.lc.flabrnarlg*dG:cih'~1~ uanuary 30 1998 . FE-B frOm James L. Hoover and Rarl.in L Ho MaC:l)ardesburg, PA 17055 633 arandy Run }toad ~ NO\fViilli!,a;:r'7241 ~~T1" . ~ Equity One, Ipcorporatcd {Mort~8ge Amount $74,510.00' _ rr"dlOl"ccosdln~olliceollflccounl)'QcirtcOf Cumbe~land CCut\(,' Pennsylviil.nia ,an the ..ft'1 darol ~ . .'9 'If ,0' /:.3 9 o'ClO<l< . .......,_ded"'..... l'f 30 CrMoll:lo... 01 page 'i'31 ollrn: lCCOl'd$ 01 :;DIO C<XItltr, toge1hcr wRh 1l1a noli Of no C$ \h8Cetn mmllol\Cd end ;rig lrldebllll.Mets SoetuiiJd Vler.by. . . ' 0""&0 ihl;'. 5th (tay 01 F~bruary 1$ 9a Feb. 18 1998 12:55PM PJ~ / " Altts.l:. ~ "\ n . I , . t!..<', ~.:.; 1("-(,'-"." 'j 'I. Billie Jo Downey -AC}CNOWLEDGEMaiT (For lndlYld\.nJ.1$) ({) 1#." :t",. 'Officer ..::":;~.:t.::~. C .'~:fif:'_';\\., .\ .h....,,l.,.- ,.,c.".1..~_.,..;!, .. ..... 'r '.'", ~ _:.~' :1.: .....,"",.. ~.,' .("~.;f .~;' 'i=. '~"'!;.~;~;I''''~ !""J:" .::;.r::! .rr: ." ., r.:o:,.,t'.:~: ~+'~\'':Io,,:~~ J' . ~" ~.",."'>';;;l'" .. ",;- , ,,,.,.. ......,j ~.,. ..~.\.. "'l~.!".:.:.~","" ~l!,;>\~", ~~,..., STAre OF Counly 01 OnU1ls . d;J.1C1r. ~El.l" P8lSo4alb' appeJirad plfSOMlly known to mli(or p~ to mean 11\0 basis ot uUsfactoryovtdtnQe)1.0 blllhD IHlISon(S.J who$o rs.mt($J ~ubscribOc1 to 'he- forego1pg'In.1rumml, and ~~led!ileQi ,hat executed Pw . ...... Iss. , 19 _, t1cCorc ma, tl\o ,,"d"mignod. a Notary Public for Ukf WiTNESS",y~~d'orlldal &.NJ. Signature: . : ;;}~. ~.~ .': 6~ :~;~:L~ . ~ .y.:nf(J:,,~:,'f) ~'(HJ1r-rr'. :.). , ~rl)?lldCll'~.. 98 I'}R~ 11 F/'i S 26 .- f\nIrmflorllllflcla1lHl~ My CommlssJQn eX?f";$: ACKNOWLEDGEMENT (For Corp ofallon) STATEQF p~nn6Ylvania Coon'yof . BUCk. I Ss. OR\hI$ $th clay 01 Febl"'IUOI...l' ,'9 stlte,p4WORIlIr.ppo,ard 1?i'w] 1 i.s: C W,w'I""n . ~.ecut8dlbowJthln1m:trumentas t"lpp...,::t,.i MnOl:. ~ BilJip. ~n nn~~ar 98 ItKlorlll' ~.lhttlnd1lr.llgned.aNotatyPubllc-lorN2d nT~~~AY - EQu1tY Oner IDeor~orateo "<<fiO execu\t:d the' ""hln iASlnIment as PerJonIllY kno~ 10 me (w pl'O'led CO RJ' on the _Is or .aada1~ot1 tvlancc) 10 be llI.t11 pet$ons Whcl.xteuled 'he wnhta lh1lM1\Ofl' on bebalf of lho 'I:lCKj*'6Uon. lftareJd umOd~and .adcROWI'''gcd tD me lhalsuch OQrpora'lon e'Ctcutod tho wUbln 1",lrumCl:ot putSQ,n& to Its b)'olaW$ or. ,.'OluUon 01 Ita boNd, ofcurel:tcn. ,~.~tlfkN: ..< R,l1alld_oln.l>lsoaL. $ ~;--::"''''' ~ ...~~ "~""'~'K.g..' . ! '"1> ~"':'~_~T-'-' i '. ir~"~- ~'l t:: \. . :.0, "J";' ,; . " . My COmmlISl.. Olqlllos: >~~'Sft; ~ftlMlS.lNf:"""__ ~ , :I~.,;;:!- '.t~~j}' a~OK ~7t rAGE 412 SICnoture: .c', .........: .: ~ c~ , .\ .... .. S (~ . 1\ "~ ,. .....'" \J . fIfolMlt)'HdDf~ .j .......- ..._NOIUY_ -",.,-"""" J.tyCOlrllnU.kln....0Ct.28.2QQ1 _.P8mIj\vaIU_or_ ......... . ..... :'::.;:::: . '. .',~" ..,:. ...... ;::'~:::'..' :":::":"::":.:/:..' :::...:....~;....-::..::.\:::.; ....~:.:.;:..:; .......:..:;..-.:. . .~ ' ., ..:\:.\.:::'.::.;' ....... ......, ",.I!. ~" ~ ~'" 'b_-~~ < '1:'-i{~~:':~ ;.; :"':';:~'::'~:~ >?:;:..,~ ,:~: :.:::::;':: :~': ":':; .. - '" ';' . ~. .- Stat. al Pennsylvania } County 01 Cumbarland 86 ,'...; . ..,' Recarde<l in 111. office lor III. -"II 01 ue.i!i ~~!orClJ!l1J>o"ar~unty. 1'2. ~. c. . ,~ ' In Book~'-Vol._Po9.!/:I!; ~i", - .-' , wi myh""'.nd~oIoffi"o/., -. -'r Carliol..PAthi, d'V:U~' -. ~ ~:. ?r'~': '0; " '::': ;:: ;::-:: ,', : " ,>':~:".5'':,' ',:;,;;,: >:':~: : .~ -::':',1,:~.(!:.}{.::::~ :;~::;,::.;:'~:::.:~'r;:J:':':<~:', :(;;f.::-:,:?~;.,:{::.f:::r:;:;: .:::.;;:~.:;.:: , ,j "1Ii~:.\' --~ .1 j;,~ -"'-'ml'\lI'lil:i.~' '. 12 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE April 12,2000 TO: JAMES L. HOOVER 633 BRANDY RUN ROAD NEWVILLE, P A 17241 JAMES L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17240 MARLIN L. HOOVER 633 BRANDY RUN ROAD NEWVILLE. P A 1724\ MARLIN L. HOOVER 49 MOUNTAIN LANE NEWBURG, FA 17240 THIS FIRM IS A DEBT COLLECIOR A lTEMPTlNG TO COLLECT ^ DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WiLl. HE USED FOR THAT PURPOSI;. If YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY. THIS CORRESPONDENCE ]S NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mone.nge on vour home is in default and the lender intends to foreclose. SDecilic iBfonnat!on about the nalure of the default i. Drovided in tbe attacbed Dage.. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able 10 h.loto save YOur home. This Notice eXDlains how the orooralll works. To see if HEMAl' can helo. vou must MR!;T WITH A CONSUMER CREDIT COUNSEl.ING AGENCY WITHIN 30DA YS OF THE DATIl OF THIS NOTICE. rake tbis NOliee with vou when yOU meet the CounseJint!. Al!encv. The name. address and Dlione number of Consumer Credit CounselilJ. A.en.ies :;eNin. Vour Counlv are listed al the end oftMs Nolice. 'fvou have anv QUestion.. vou mav call the Pennsvlvania "nusin.. I'illance A..ncv loll free 811-800- 342-2397. (Persons wilh impaired hearin1\ can call (7\7) 780-1869). '1111s notice conlains imJlOrtanllegal infonn8lion. If you have any questions. representatives al Ihe Consumer Credit C~Ull.eling AllenC)' may be able to help explain it Yau may also wanl 10 canlllcl an attomey ill your area. The local bar ......ooiation may he able to help you nod a lawyer. LA NOTIFICION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PURS AFECTA SIJ l>ERECHO A CONTINUAR VIV1ENl>Q EN SlI CASA. IS NO COMPRENDE EL CONTENIDO DE EST A NOTlFICACION OBTENGA UNA TRADUCClON INMEDIA TAMENTE Ll.AMANOO EST A AGENCIA (PENNSYLVANIA HOUSING FINANCE AOENCY) SIN CARGOS AL NUMERO MENCIONADA ARRIBA. PUBDES SEll. IiLEGlBLEPARA UN PRESTAMO POR EL PROORAMA LLAMA DO "HOMEOWNERS EMERGIlNCY MORTGAGE ASSISTANCE PROORAM"' EL CtJAL PUEDA SAL V AR SU CASA DE LA FIlRDIDA PEL PERECHO A REDlMAR SU IIlPOTECA. ~~.." ._-"""""""~ ~~d " '" ... -11'~~~':;'~ '. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER CURR!!:NT L!!:NOF.RISERVICER: STt\. TEMENTS OF POLICY JAMES L. HOOVER & MARLIN L. HOOVER 633 BRANDY RUN ROAD, NEWVILLE, PA 17241 0800554941 EQUITY ONE,INCORPORA TEO LA SALL!!: NATIONAL BANK DIVISION OF SUPERIOR BANK FSB HOMEOWNER'S EMERGENCY MORTGAGE ASSI!oTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOllfE FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH TIlE PROVISIONS Of THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'). YOU MAYBE ELIGIBLE fOR EMERGENCY MORTGAGE ASSISTANCE. . IF YOUR DEfAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A RI'.ASONABI.P.I'ROSPECT OF BEiNG ABLE TO PAY YOUR MORTGAGE PAYMENTS AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING fiNANCE AGENCY. TEMPORARY STAY Of fORECLOSURE-Undcr thc Act, you arc entitled to a temporary stayof foreclosure on you mongage for thirty (30) days from the date of litis Notice. During that lime you musl arrange and altend a face-lo-face mecting with one of the consumer credit counseling agencies listed at the end of this Norice. THIS MEETING MUST OCCUR WITHIN THE NEXT (301 DAYS. II' YOU DO NOT APPLY POll. EMERGENCY MORTGAGEASSISTANCE. YOU MUST BRING YOUR MORTGAGE Ill' TO DAm. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATI::. CONSUMER CREDIT COUNSELING AGENCIF.S Ifvou meet ",illt one of me consumer credit counselina aaeneles listed at the end ofmis notice lite lender mav NOT take action aeainst vou for thinv 130l days after the dale of this meetine. Thc names. addresses and t.lcoholle numbers of desinnated consumer credit counselinu aeenoles for the rountv in which die propertY is located are set forth at the end oethis Notice. II is only neee....ry to sehodule one faC<}olo-facc meeting. Advise your lender immediatelv of your Intentions. APpLICA nON FOR MORTGAGE ASSISTANCE- Your mortgage is In default for the rc:asons sel forth later in this Notice (see following pages for specific inConn.tion about the nature of your default). If you have tried IUld are Uilable to rC80lve this problem with the lender, you have thc right to apply for financial assistance from lbe Homeowner's Emergency Mortgage Assistance Program. Tn do so. you must fill out sign and file a completed Homeowner's Emergency Assistanee Program Application with one ofth. designated consumer credit counseling agencies Il~ted at the end ofthi. Notice. Only consumcr credit counseling agencies have applications for the program and Ihey will \!Ss;st you in subm hUng 8 complele application to the Pennsylvania Housing Finance Agency. Yourappllcation MUST be filed or poslmarke<1 within thirty (30)) days of your face-to-face meeting. YOU MUST PILB YOUR APPLICATION PROMPTLY. IF YOU FAIL '('0 DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LE1TER, I'ORECl.OSURE MAY PROCBBD AGAINST YOUR HOME IMMEDIA TIlLY AND YOUR AI' PLICA TION fOR MORTGAGE ASSISTANCE WILL HF. DENim. ~----~~ - . :lIiW:lj!iI!,tt~ti!\,h' AGENCY ACTION- Available funds for emergency mortgage assistaoce are very limited. They will be disbursed by the Agency under the eligibility criteria eslablished by lhe Act The Pennsylvania Housing Finance Agency bas sixty (60) days to make a decision after it receives your application. During Ihal lime, no foreclosure proceedings will be pursued againsl you if you have mel the lime requiremenls set fonh above. You will be nolified directly by lhe Pennsylvanio Housing Agency of its decision on you appliestion. N TE; rF YOU ARE CURRE TL Y PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN A ITEMPT , TO COLLECT THE DEBT I (((YOII have med bankruptcy ou ean slill a ply for Emergency Mortgage A..islanee).,.-.-J ! HOW TO CURE YOUR MORTGAGE DEFAULT IBring il uo to datel NA TLJRE OF THE DEFAULT- The MORTGAG6 debt held by the above lender on your property loealed at: 633 BRANDY RUN ROAD, NEWVILLE, PA 17241 IS SERIOUSLy IN DEFAULT bacause: A. YOll HA VI; NOT MADF. MONTHI.Y MORTGAG~ PAYMENTS for the following months and Ihe following lIIl10unts are nuw past due: 111I00 Ibm 41\/00 at $709.58 per month. Monthly Payments Plus Late Charges Accrued: Attorney fee: NSF: Property Inspection: Insurance: Other: (Suspense) TOTAL AMOUNT TO CURE DEF AUL T $3,547.92 $65.00 $45.00 $122.00 $0.00 $0.00 ($149.36) $3.630.56 B. YOU HAVE FAILED TO TAKE THE. FOLLOWING ACTIONS (Do not use if not aDDlieahlel: !:!La HOW TO CURE THB DEFAULT- You may cure lhedefoult within THIRTY (30) DA YS oflbe date of Ihis Notice BY PA YlNG TIlE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICII IS $3.630.S6 PLUS ANY MORTGAGE PAYMF.NTS AND LATE CHARGES WHICH BECOME DUB DURING THB THIRTY (30) DAY PERIOD. Pavment must be made either bv cashier's cheek. certified check or monev order made mvsble and sent to: SUPERIOR BANK. FSB. ONE UMLAND ROAD. OUNGEBURG. NY 1096:2. A1TN: AUDREY INGRAM. You can cure any other deliwlt by taking lbe following action within THIRTY (30) DAYS oflbe date of dlis lelter. (Do not use if not aoolicable) N/A. ' If' YOU DO NOT CURE TIlE DEFAUL T-Ifyou do not cure the defilult within TIlIRTY (30) DA YS of the date oflbi! Notice, Ibe lender Inlellds to exercise its nabls to accelerate Ibe morteoe d.bt. This means lhat the entire outstanding balance of this debt will be considered due immedilllely and you may lose Ibe chance to pay the mortgage In monthly installments. If full payment of the lotal amount past due is nol made ,,'Ilbin THIRTY (30l DAYS. the lender also intends to insllllctlts ottorney to start legal action to foreclosure UDon Your mort2ae:c urQDertv. . ~~ ...' w~ ~ , ~"~ ~ ~~,' IF THE MORTGAGE IS fORECLOSED UPON- The mortgage property will be sold by Ule Sheriff 10 puy off the mortgage debt. Ifth. lender refers )'OUr case to Its aUomey, but you cure thc delinquency before the lender begins legal proceedings against you, you will still be required to pay the r_able auorney's f~ that were actually incurred, up to $50.00. However. if legal proceedings are started against you, you will have to pay all reasonable allOme)'s' fees actually Incurred by the lender even irthey exceed $50.00. Any atlomey's fees will be added to tile amount to tIle lender, wbicb may also include other reasonable <<lSK!f vou cllre the demult within the THIRTY (30) DAY Deriod. vou will not be renuited to Day allornev's fees. OTHI::R LENDER REMEDIES- The lender may also sue you personally for Ibe unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE. If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, YOU still have tbe rinhttu cure the default and preyent the sale at any time UP to one hour before the Sberiff's Sale. You mav do so by pavinu the total amount then [)aSt due. plus anv late or other charaes rhen due. reasonable allomev's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as sDccified in writina bv the lender and bv oerformina anv other reQuirements under the mort.aue. Curing your default in the manner set forth in this norice will restore your mortgage to the same position .., if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE- It is estimated lhat the earliest date mat such a Sheriff's Sale of the mortgage properly could be held would be approximately SIX (6) MONTHS from the date of this Notice. A notice ofth. actual date of the SherlErs Salewlll be selltlO you before the sale. Of course, the amount needed to cure the default will increase the longer you wail. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER- SUPERIOR BANK. FSB ONIl RAMLAND ROAD ORANGE BURG. NY 10962 (800) 431-1093 CONTACT PERSON: AUDRHY INGRAM EFFECT OF SHERIFF'S SALE- You should realize that a Sheriff's Sale will end your own=hip ofthe mortgaged property and your rigbtto oocupy it. .fyou continue to live in the property after the Sherifl's Sale, a lawsuit to remove you and your furnishings and other belongings Could be '1arred by tha lender at any time. ASSUMPTION OF MORTGAGE- You _ mayor XX may not (check one) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, dnlrge and attorney's fees and cost are paid prior to or at the sale that the other requirements of the mortgage are satisfied. ,~I ~ , ~~ ,~ < - ~-- "'-'tli\:rv. " . YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF TIlE MORTGAGE DEBT OR TO IlORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFf THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALf . TO HAVE THB MORTGAGE RESTORED TO THE SAME: POSlTION AS IFNO DEFAULT HAD OCCURRED, IF YOU CIJRP.llIE DEfAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERTllIE NONEXISTIONCE OF A DEPAUL T IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . 1'0 ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HA VE TO SlICH ACTION BY THE LENDER . TO SEEK PROTEC,ION UNDER THE fEDERAL BANKRUPTCY LA W. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED, Very truly yours. . I , - ...; {-Ilo~-t...r"... , I A lTORNEY fOR LENDER :'~_.. "' ,', - . . NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTlCES ACT ***.***.**......*.....*...*******.*.*.***....~..**.............****..**. 1. TIlis is an attempt to collect a debt and any information obtained will be used lClT the purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice, the debt will he assumed to be valid by our offices. 3. If you notify our offices in writing within thirly (30) days of receipt of this notice that the debt, or any portion thereof, is disputed. our offices will provide you with verification of tile debt or copy ofthejudgmcnt against you, and a copy of such verification or judgment will be mailed to you by our offices. 4. If you notify our offices in \\Titing within thirty (30) days of receipt of this notice, our offices will provide you with the name and address of the original creditor, if different from the current creditor. "'~ -'-^""~'^- ~~il'-'~~"', __~ ~o . ~ , -""~'f- PENNSYL VANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COlJNSELING AGENCIES ..' CUMBERLAND COUNTY CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg N. 61h Street Harrisburg, P A 171 0 I (717) 234-5925 FAX (711) 234-9459 Community Action Comm of the Capital Region 1514 Derry Stree( Harrisburg, P A 17104 (717) 232-9757 fAX (717) 234-2227 Financial Counseling Services ofFTanklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 YMCA of Carlisle 30 I G Street Carlisle, PA 17013 (711) 243-3818 FAX (717) 731-9589 Adams Counly Housing Authority 139-143 Carlisle Streel Gettysburg, PA 17325 (717)334-1518 FAX (717) 334-8326 PENNYLSV ANIA BULLETIN, VOL. 29, NO. 23, JUNE 5. 1999 ''''''''~'n'' .~. _ ~ ~ L~ -"~'.lMlll.:i;L-';;m~tk,. VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and COITect to the best of rus/her information, knowledge and belief and understands that the statem.ents therein are made subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. /If )J;t; ;// -/ /1 ./ j>~g:;J /"- 1'/1/ Maureen P. Toal ~, e_~ -. ^ ~ r.nnJ ~ ~ MJ " ,~ ,~ '<~_~,. <_."'~."_,__..c~ , _".. ~~ OFf;IG' C/jI></OPr fj f :1:.,: "If" 8/J 'l-r. ., "~ f8 "J "Oil/'PF '1 J ry '1.. SJ f)l , "f: C~ji( '.. II '(}I ,.. 1',j, 'I ' , I 'filS ,'o'U(r n.V'o 4/f/4 ~ ~ .~~ ~:cr:: ,~ ,,~< 0 ~~ tn j'j ~ ~'\i u: : IJ.l ~t- ,:0:: :0 '::M :0:: ,: I- : Q.. . "" ~= ~o.: :~ ,0 ,U I ( ////;/>.. / C~ / L_ >, D T-_', .,~_, _'W""" ~~~_~lllllM:r::irJj ,1._ .{l,~~~~~~jW!-!l!!i;i'"iitJ\!!jili;ii,01'-,,!,-~~:it";:R';,I"'-:'-' lI1i1":'-'.',,;!S~"-'!~".-"f,,:~r'i\P.'f"b>'I",-f":I1''%''-l,m_q'''!''_i~,,;L,:,Y1f";"9{;;~~!<B!rJ!ljIllli1~~ 6i1iiliilildij,jW~--",........_",,_1oliJ .,....,""~ ~..... - ~~. ~:!2j,~,,'. LAW OFFICES OF GREGORY JAVARDIAN BYi GREGORY JA V ARDIAN, ESQUIRE .- IDENTIFICATION NO. 55669 44 SECOND STREET PIKE, SUITE 101 SOUTHAMPTON,PA 18966 (215) 942-9690 LASALLE NATIONAL BANK, AS COURT OF COMMON PLEAS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED CUMBERLAND COUNTY 3/1/98 SERIES 1998-1 135 SOUTH LASALLE STREET No.: 00-8783 SUITE 200 CHICAGO, IL 60603 vs. JAMES L. HOOVER MARLIN L. HOOVER 49 MOUNTAIN LANE NEWBURG, PA 17241 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against JAMES L. HOOVER, Defendant, for failure to file an Answer to Plaintiff's Complaint within 20 days from serVice thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As Set forth in Complaint Interest 12/2/00 to 4/5/01 $89,836.24 3,501.76 TOTAL $93,338.00 I hereby certify that (I) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. A V ARDIAN, ESQUIRE Plaintiff Damages are hereby assessed as indicated. DATE: -a-po;\ cr Jt'Y~ \ I (J,~)~ ~ PRO PROTHY I. ........ ., ~ r' LASALLE NATIONAL BANK, AS In The Court of Common Pleas TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED Cumberland County 3/1/98 SERIES 1998-1 PlaintitI No. 00-8783 CIVIL TERM v. JAMES L. HOOVER MARLIN L. HOOVER Defendants TO: JAMES L. HOOVER DATE OF NOTICE: 3/14/2001 NOTICE, RULE 237.1 IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims se forth against you. Unless you act within ten (10) days from the date of this notice, a judgment 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 oi: telephone the following office to find out where you can get legal help. Cumberland Bar AS~OC' ion Lawyer Reference ;9"', . 2 Liberty Ave~7~;t r+-r-r-;~4- Carlisle, PAl 7 I (; U (717) 249-31 .. Gregory Javardian, Esquire 44 Second Street Pike, Suite 101 Southampton, Pa 18966 (215) 942-9690 Attorney for Plaintiff U sted se encuentra en estado de rebeldia por no haber tomado la accion requiida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de esta notificacion, el tribunal podra, sin necesidad de compararecer usted en corte 0 escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatemente si usted no tiene abogado, 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 llame por telpfono a la oficina, cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assistencia legal. "NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE" ~n10.!#I~,t'~';ld"k'["i",~-""""!j,,';--,,Iii~l~'il~1i#""~'Ii~,flil\Jl'-[,":'i,;rJ-t<l'f;,_,~~i,;"_';"""J"<"';t!~~__~,i~di)jmt\lfi"~"" ,,-,~, ,- ~~~~*,lJOr('~ - II ~ ,~ " ~ 0 I..'_"-','.'~--,", ,"'".', ,.. ,,~ . -,~ , t: -p (:) jS [.t-flt' r- ..~ g '-. ... 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