HomeMy WebLinkAbout01-0607 FX
" ~
-
~~"
, '~:!i;
SHERIF~$ R,r;TURN - REGULAR
CASE NO: 2()01,-Q0607 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE BANK
VS
CLIPPINGER RONALD B ET AL
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
CLIPPINGER NANCY K
the
DEFENDANT
, at 0016:14 HOURS, on the 30th day of March
2001
at 351 WEST NORTH STREET
CARLISLE, FA 17013-2220
by handing to
RONALD B. CLIPPINGER
a true and attested copy of COMPLAINT - MORT FORE
together with
REINSTATED WITH NOTICE
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
~~r-r a..
R. Thomas Kline1 ~
04/02/2001
NICHOLAS & FOREMAN
Sworn and Subscribed to before
By:
~
F. ~,. /- ~
De~'hff/
me this //(f:.
day of
Ol'~ ~/ A.D.
~a 711111.,/ ~.
rothonotary , ,
,
I ~ ~~" 1-
"
)/
",',
-
<'.
, "~.~""
~,,'f!'
SHERIFF~ $ ,R~TDRN - REGULAR
NO: 2OJi'J.l.-Q0607 P
,.TWEALTH OF PENNSYLVANIA:
", OF CUMBERLAND
.ihLVANIA STATE BANK
VS
./
, }li'
CLIPPINGER RONALD B ET AL'
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
CLIPPINGER RONALD B
the
DEFENDANT
, at 0016:14 HOURS, on the 30th day of March
, 2001
at 351 WEST NORTH STREET
CALRISLE, PA 17013-2220
by handing to
RONALD B. CLIPPINGER
a true and attested copy of COMPLAINT - MORT FORE
together with
REINSTATED WITH NOTICE
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
3.10
.00
10.00
.00
31.10
So Answers:
~~...-.t:~,
R. Thomas Kline
04/02/2001
NICHOLAS & FOREMAN, P.C.
me this /J~
day of
BY:h
Depu
Sworn and Subscribed to before
~.<.t ~I A.D.
\2~t~n~a~' Pd" , ~
I.",
- - ~--~
.J.,"'":>-~
.
, ,
, ,
PENNSYL V ANlA STATE BANK,
Plaintiff
v,
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 0/ - b07 Ctoi'---r~
CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set
forth in the following pages, you must take action within twenty (20) days after this Complaint
and Notice are served, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so, the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any money claimed in the Complaint
or for any other claim or relief requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
By
BRU D. FO
4409 North Front Street
Harrisburg, PA 17110
(717) 236-9391
ID #21193
Attorneys for Plaintiff
~ ,,"
,.",..f
PENNSYLVANIA STATE BANK,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYL VANIA
v,
: NO.
CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
NOTICIA
Le han demandado a usted en la corte. Si usted qui ere defenderse de estas demandas
expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de
la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por
abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en
contra de su personal. Sea avisado que si usted no se defiende, la corte tomara medidas y puede
entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es
pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDATAMENTE. SI NO THIENE
ABOGADO 0 SI NO TIENNE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DlRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
(717) 249-3166
By
BRUCE D. FOREMA
4409 North Front Street
Harrisburg, P A 17110
(717) 236-9391
ID #21193
Attorneys for Plaintiff
,-','-
",,~ '~,'
~
'I, ~__
,-"
,. .
PENNSYLVANIA STATE BANK,
Plaintiff
v.
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 6/- (.07 C;;;..t .,.~
CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
COMPLAINT
AND NOW, comes the above-named Plaintiff, PENNSYL VANIA STATE BANK, by its
attorneys, NICHOLAS & FOREMAN, and brings this action in Mortgage Foreclosure and
assigns the following reasons therefore:
1. The Plaintiff, PENNSYLVANIA STATE BANK, is organized under the laws of the
Commonwealth of Pennsylvania, with principal offices located at 214 Market Street, Borough of
Camp Hill, Cumberland County, Pennsylvania 171001-0487.
2. The Dlefendants, RONALD B. CLIPPINGER and NANCY A, CLIPPINGER,
husband and wife, are adult individuals, residing at 351 West North Street, Carlisle, County of
Cumberland, Pennsylvania 17013-2220.
3. Defendants are the owners of a commercial property located 802 Pitt Street,
Borough of Carlisle, Cumberland County, Pennsylvania, more fully described in Exhibit "A"
attached hereto and made a part hereof; Defendants having obtained said property by deed from
John S. Detrick and Denise A Detrick, dated the day of ,
19 and recorded the day of , 19 , in the Office of the Recorder
- - -
of Deeds of Cumberland County in Deed Book , Page , which document is
incorporated herein by reference.
4. By Mortgage in the original amount of $123,000.00, dated the 13th day of February,
1998, and recorded the 20th day of February, 1998, in the Office of the Recorder of Deeds of
Cumberland County in Mortgage Book 1432, at Page 998, Defendants obligated them to make
certain payments to Plaintiff. A true and correct copy of the said Mortgage is attached hereto,
labeled Exhibit "B" and made a part hereof.
5. The said Mortgage from Defendants to Plaintiff has never been assigned.
6. The Defendants are the sole owners of the aforesaid premises.
7. Defendants have defaulted in the terms of the Mortgage by failing to make
payments to Plaintiff required despite demand to do so and failing to make payments on the first
lllortgage on the property.
,~;...,~
---
-',,'
8. Under the terms of the said Mortgage, in the event of such default, Plaintiff may, at
its option, and hereby does, demand and require immediate payment of all amounts due under
the Mortgage.
9. Under the terms of the said Mortgage, in addition to payments of principal and
interest, Plaintiff is entitled to reasonable fees and costs incurred in collection.
10. No Notice of Intent to Foreclose is required from Plaintiff to Defendants in the
aforesaid loan is a Commercial Mortgage and not a Residential Mortgage.
11. The balance due under the said Mortgage from Defendants to Plaintiff as of January
19,2001 is in the amount of $106,052.50, together with a per diem payment required, each day
after January 19, 2001, in the amount of$26.82188 dollars per day.
12. The attorney's fees due, as of the date of filing hereof, are in the amount of
$4,462.43 plus court costs.
WHEREFORE, Plaintiff demands judgment on the aforesaid Mortgage against
Defendants, jointly and severally, in the amount of $93,710.90, jointly and severally, together
with costs and interest from January 19,2001, at the rate of $26.82188 per diem and demands
judgment in foreclosure of the property within described.
Respectfully submitted,
By: /
BRUCE D. F , ESQUIRE
4409 North Front Street
Harrisburg, P A 17110
(717) 236-9391
ID #21193
Attorneys for Plaintiff
.,
-c".J
"
~ -.lltiJ,,1
VERIFICATION
I verify that the statements made in this Complaint are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa. C.S, Section 4904, relating to
unsworn falsification to authorities,
Dated:
I/)~ fur
P _cl"", ftctt...
V, to PN~'ct...,
By Pennsylvania State Bank
.'- ~
,
"(I(-'(:Jb-->lb::> I-'H "'IHII:: tiHNK UI"I::j.1HI
('"",';",1"""->'>;.",,-,,'
"'"-":;,:
330 P05
JRN 24 '01 15:40
ALL that certain- lot or piece-of ground with-the .l1lpro-vemems.thl:.r~cn erected situate in
the Fifth Ward cf the Borough of Carlisle, Cumberland ,.county, Pennsylvania, bounded and
described as follcws:
BEGINNING at an iron pincn the western side cf anme (9) feet,cncrete sidewalk on
Ncrth Pitt Street at the,dividing line_of Lot No.. 1 cf.the hereinafter menticned Subdivision Plan
and lands ncw or fcrmerly cfEenson 1. Bmick; thence Ncrth78,degrees,OO minutes West, a
distanCe. of 97.0QfeeUo. a po-in! at the diViding line' (If Lot No.. 2;, thence ~outh 12 degrees 00
minutes West and passing thrcugh an iron pin set one (1.00) foot from the ncrthern comer of
Lcts I and 2, adistanc~ot':7S;OO.feeUa-=iron:pin-.on:the:narthem:side:ofll; six (6) feet concrete
sidewalk on "0" Street; thence South 78 degrees 00 minutes East, adistance,of97 feet to. an iron
pin on the said westemside ofanine- (9)-feet concretesidewalk-on'North Pitt Street; thence
North 12 degrees. 00- mimlt~ East. a distance. of 75.00. feet to- iUl-- iror, pin, the Place of
BEGINNING, '
BEING Lot No.. I, of the Final SubdivisWn- Plan for Jolm S. DelriG~, Denise A. Barrkus
now Detrick and Joseph M, DeMarino, as recorded in Plan Bock 61, Page 45,
BEING.the-same-pfemises which. John g, Deu-ick.andDenis1;lLljletrick, his wife and
Joseph M. DeMarino, granted and conveyed unto Ronald B. Clippinger and Nancy K,
Clippinger, his wife,. Mortgagcrs herein,. by. deed.dated. ~1998 and reccrded in
the Office of the R.eccrder of Deeds for Cumberland County in Deed Bock , Page
"
EXHIBIT "A"
Boud432 ~AGf1004-
,~
'"" ,;"1" ~......~....;,~
'"
.-
t<,"
~,
'~'-'~O-~~oa MH ~lHlt ~~X~ ~t~l
~l.O\Wf
..:i..:%l t-'!:j~
JAN ~4 '!:j1 15:38
RECORDATION REQUESTED BY:
PENNSVCV'AHIA STAtE-UANK
1 Nerth Manover Sth~el
Carlisle', PA 17013
;:;~ \~ji~~:~:~ ~.'5~E;i ~1;\S
, . ~<::'.11L;\tj\) COUWf'l' - PA
WHEN RECORDED MAIL TO:
PENNSVLVANI1\ STATE IM.WK
21411 MarkOI.~lr881
P.O. Box 417 .
C41rtp Hill, PA 110.01..0461
'98 FE\! 20 Pl'l 3 02
SEND TAX NOTICES TO:
Ronald B. Clippinger Md Ntlf:lev K. C!lpplnger
351 W. Notlh Slreel
Carllsfe, PA 17t1:l
SPACE ABOVE THISl:~ IS FOR RECORDER'S USE ONLY
MORTGAGE
THlS-IS-Pr PURCHASE MONEY MORTGAmj
TIllS MORTGAGE IS DATED FEBRUARY 13, 199U, !>e1woen Rqnald B. Clippinger and Nancy K. Cllpplnge',
whose'ddre.. is 351 W. Narth Street c.rllalt; PA-171>13-{'e1ar'l',no b8Iow a.~"'ln1'.ntor'); and PENNSYLVANIA
STATE BANK, whose- -address hi 1 North -HlInover Stteet.-CarlfsJe, 'PA 17.013 (te,.". 10 below as "Lender").
GRAN1 Of' MORTGAGe. For valuobl8 COnaldcrDlIOi1', Gt'Inrat gr,"f.~ 'IJatgab'lS; :",11&". .oorweys, '51T.lransfera, rel~s, confirms &n]d
morl go to lender a1tot6ranturTrtgttt;IIIIei'anct;..ho...sI I.. ....d Iv 11.6 foI/oWIng-~~,.. her wIlli al18Xisll1'lg of sub~que~y
.ec:: or a<<lltGd buUdlncJa ImprQwmenl!il and 11xtlJ~ to streets, lanM. alleys. p.aqes. and ways; arf sempnl5. rlght$ 01 wa.y, an Ilbertie:.,
prlYllegeJ tenElments Il8r&dilament;..~apputllimlflCElS.theteuDl:o."b8longIng..4t.~.made appudaQIinl flereafler. and !he ravers!oJ'\S and
f~wilh ~.theretD;Jli11 waleto--walet rl9hla. WalereCl_UBQS and ditch rlghlS Ql\Ciudlf\Q..stOCI( In ~I~ wllh dltch or Irtlgallon rl;hl&): and tlII
other rtgh~, royames. anltprollls-re!allnglo ItTwtfttPl'DP8rlr,I,~..dl.'tI' ..l1i1~j.)II;..dl..Il..... all m1nem1s. 011, g~ll\erme.lll1d similar mailers. located
in Cumberland couDly"CommonweaIlh 01 PannSVll/anla.{the "Reel Properly"):,
802 N. Pill,Street C'_JrtfSUUb" c-il.,~a~.nd~, Pennsy"'anlii "i IU'!her described in Exhibil
"A" attached hereto.,eru:lbyJhiuelarence m.cfe,apart/l~OI.
The,ROBI-PFoperly-eJ'it&-__O.,.,..ly _1&-1I02N. "\II Street CarliSle, PA 17013.
GranlOl' P!9S9"UV assIgns to I.9nde1 aU 0' Grtrltol"s right. IIDe, and Inletest In and 10 i/Ileues ollne Propetly and all RanIS from Ihe Properly, In
addition. Grantor gll\nl$lQ lendar.a-Uaifor~Coda.S8Curllll' inler&lUn.1tKJ Personal Properly.and..Renfs.
rn:f'II'ftTIONS. TI'l;> f\ldv..J,,~ ......~ ,,1..dJ lllUv.,lhv.,Mlw...I'~lv","[',~ 1"!'1'1iI" "11.,,,4 III tI,l\, Morlgage;' ~Jllerwlse defined In thIS Mortgage sl1Ill
hQw Jhe meanings aUJlbUl8d 10 such 1Btm!l1n the Uniform mnwci81 Code. All tslel'f!l1CSS 10 doUar amoJJnlS !haU mean .amounts In lawful mOIllJV of
\he, l:Wl.ad S\a\M of AttIet\ta. '
GrantOr;- 'fhe"wotd"Grantor'" means Ronaht8;eJfj...II,..., ....d:Hu..,~ ,It; ~'TtI8i3ratltG( Is II'It mortgagor uJ1l;ler IhIs Morigage.
Guaranlor. The word "GIIaranlor" meAnt and lneludes wllhoUlllmllallor\ each and en of Ihe guaranlol'5o lillrelies.llnd lICCornmodalion parUlIS In
connecUoft with ttl& Indebtedness. '
ImproveMeAlS., -"ft\tJ'WCfd-"Imp~enlG"'meano:..llltd-t"..J\,d.... ~.IU,....1111llIlAII..a1htlds11hg--tmd"1tJltJre Improvements. bulldlngs. struclures,
mobPo twmes aflbCed on 11\8 ReaI-Property.'aclliUss, addffions. replDoomenls and olner consttuollon on lnalReal Ptoperly.
JlldcblmbJe:JS. llIe Wlltd "lndeblednesl",neans a Hole from Ronald B, Clippinger and Naro:y K. CBpplng6ll dated February 13, 1998. In addillQn
to "'. Noie'. tllG. word ..'ndeblldIieSS"lnctudts..an-a5/lD..m..... ..-..101.. a"'" rr.n.nnr;;;" _.rnreresr,lfulre~l8nlQr to lender. or anyone or more
ct Ulom. a; ~U 8fi AU malms by l.endsr againsl Granlor. Qlllny OM or more of IltiJm. wheth8r now exlsUfl(j.br IIereafter atfsltlg, whBlhsr T8kIIW or
unrelated ID lha purpose ollb9 Note. wh~.~1JIhafwIs&,-wtJethef~nol CIUe"8~~:rontlngenl.liquidaled or unDqulCfaIed
and whlriher Grantor may be flebla.~I1.)o1aI4t-witb."OII:letS.-wAeU1w~all 9"'~, hefwllile. and wnelh8l' recovery upon
llwh Indebttldness may be or tlersatter.may ~4i'l'6(f'by anV"!itlilufi.- oflf~ralrOn$. and wfieffiW & ch Indabted.nns may be or h!ill'eafter
mSV become otherwise ulllnlQrceable. , I ' .
l.lPlder. The..,word-. ''UlIldel'' m&aIIS-PJ="~$Vl VAJ.lIA .StA'tl:.-BAWK,.. ils-Slll:;PSf:'Jr'I !lAd ~ ~ .Lender i:l the mortgagee under UtIs
MorbJaga. ., ., . ' '
. ,
MOrlP90. The word "ModgaQs" maafl1I'lhla.Putc-hase-'Moner.MorIgege~'GranlDrand.t.end8f, and InCludes w]lhoutllmllallon aU
asslgAments.~p'O'I\sI'OJlI' ""11I111'19101"11 Pt~QAAlPi!OP9tIY8R;l~, .
PW'chue Money Mort_e. U any of lhe debl seowed by IhI$ Security Instrument is Ienllo Borrower 10 acquire UIIG to the Real Property, tN$
Secutlly InsllVmenl shell be a purchDse mO/lllY ll'lorlQaQa WIder 42-P.S..-SacIkm$141,. . i
Nole.. The-word "NDls" mellfls the ~note--or-..."drt ..~,...d..dtJ:lm:f.ebmarJ.-n;-t998;:itt:tbJl original prlnolpal amount ot
$102.000.00 !tom Granier 10 LeAder. together with aU teneWaIs 01, exlensto"i 01. ffloUlllc.Uons 01, celll'laJldnQs of, CoMD!idaliCln; of. al\d
aubsdlullonl for tM promissory noteiU'~;.The--malwlty,d.lEH)fthla~l$"February.15..~
Personal Property. The wordS'''Pllrsonll~'''''''''' ..lrnq'''p'''",', roY'''.n. Ql'Id ~I"lit Mlc'""~nat ptCIpwty now or hetealfer owned
by Grab. and now or herealler atfa:ched tV aflix8d 10 the Rell Property; logelhrilf ~Ih all accestIons. parts. anc:I addlllDns ID, all r'9lacements 01,
e~d all sublUluUons lor. any 01 suclfpropertY;. and logelhw wilh 811' proceeds Oncfu~lng wnhout Qmllation ,U Insurance proceeds and refund! of
~m\\I1'M)lrom""~~~l:i..m"...of\\FVr,..~lJ.o '
Property. Tile wotd "Prap8l!Y' means coIlacUveIy 'h8 Real Properl)l' and th8 Per&Ql'J81.Property..
Real ProPerly. Tha...ocds_"neaLe~ mean.-tiut..ptOp8ay"ifIIel:est&-and-F1gl'll$ ~ee"bsd ~pya In Ihs "Grant 01 Morlgags" seelio.,.
.Related DoculDeltb. The words "RsIQled DocUll\Ws." mean II\d ll\clud9 'frit\'Out ~UoI\ aI\ pl'om\ssl)f)' r.otn, ~ agteemema. loan
agreamenls. envlronmanlal agtBIHJ\el'IJs., .9U8f&nIIss,.$IWl;ITlty-~,'rnor~"deeds--or trust;-.an(llII other Inilrumenls, agreements and
doell/fl8nf$, whelMr now or hereaRat Gldsllng.._..,."tatt I... ............;I!V' ~1"d.I:It?9A9GB ,
Rents. The WDfd "Ren1s6 means all prvwnl and fUlUf9 rems. revel\lI8S, Ineome:,,"Un, royaJ,U8S. pronls, and olhet benelil$ derlVeCl frDm IhS
Property. ! '
I '
THJS MORTGAGE, INCLUDING THE ~SSlGNME"T.OF'RENTS' RmI me ~=\;\JRJT.!ll~!~nN THE RENTS AND PERSONAL PROPERTY. IS
GIVEN TO SECURE (1) PAYMENT OF THE JNDEBTEDNESS-AND. (2).PEAFORMPfCE OF. AU O8bJGI\TION8 OF GRANTOR UNDER THIS
MORT~GE AND 'rHE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND.A.C.CEPlEUDlt:tHEtFO;LOWING TERMS!
PAYMENT AND PERFORMANCe. EJ:cept as oUteMfi p<<)vided ,,, \Ws. ~Q9. ~\Of shall pay to Under 8lI amounls &&cured by Ill); Mortgage
as lhey become due. and shaU 'IrlcllY psrlorm e!I,of.l1f1tftlot'$ obIlg8llons'tll'lCferltlls1;tortpsge.- .
POSSESStON'Afftt MAfNTENANCE"OP T J I": . . .;1, _...,.- G*dDt -160. ~1Ut,gt~ Bfll58!:t1fHt'~j lh8 Ptopetty shall be QOvet'n&d by lna
folfowlng pr0Y1s10na:
PosaeNlort--an4-,U...' lIfIIII--Ht.4eIaull-fJf tIflIil-L...d\" _.~..1ts"rtm\ttq-~~Dtor"~ -'ulgnmsnl of Rents form executad
by Grantor In connection >Mlh th6 Pt9perly. Granlw may I'Ilmafn In pOSsessiOn and conlfof Ql Gtta operate and manage the Propgrly and collect
IheRenlslromthG,Pro-perly.
DUly ID ,MaIntain. ~tot" shall maintain 1M PtQp6rty in lenanle.b111 cond"lon.~y.~reealrs. rap1ilCemenls. and malnlenal1CO
neC8Ssery10 preservel!s,vlllue. 8Q1}K"'IifiSJ:1<<."bI:JrS .-'
Hmlrdous SubstancQ. The lerms. ~e.zardGus wule.", ~hazBtdou;.suhsliull:g.,". "CliepoAIt.~" and "fhreatenad release,~ as, used In IhI$
MD1Igsgs. shaJllutva th& same meanings as S9llOr1h In the Comprel\enstve Envlt01\mantsI.~ FompetlS8t1on, 61'1d liability .4.01 0118&1, 0$
~~
,
!:Ei
!. EXHIBIT
"
"
w
~
w~
!;(
~ -
~
~
"
dld~~~,IWI
-
"I
JHN ~q .~~ ~~:~
,,, --',"','- '-""'IV'- '-'rr::r:HI
-J...;l!Qt""l::I..:J
,
02-13.-1998 MOa!GAGE- Page 3
Lo,an No 85??oo20, (ConUnued)
exlstl" pbllc 01 Insurance showing: (8) me nam8 cllhelnwrsr; (bj1he-rlsks'lnsured: (crthe--al'ftot)flU~he policY;- Cd) i~ property Insured, the
Ihen c~rrent ~PIaCe1Mfil valve 01 such PrGpeI'ty. and lhe man(\$" or delermln!ng thai valu~ and (8) the explrl\Uon date of 1t1e policy. Grenlor
shall, ~on request of Lender, have an lndependenl ap,~ralSe1 ~aUslact!Jr:f 10 Lllnder de{ermlne lhe cash valus replacement cost ollhe Property.
EXPENDITURES BY LENDER. If Gran!or failS to comply wliij.,a-nY'pt(j~lSton'ot'lhh;,M6i1gage. orihtny-aetton'Of proceeding It commenCl;ld that would
malerlally alfecl1.endllr's lntetest$ in thll Protlertv. lender on Grantor" behalf m&Y. bul shalt nol be !'!QUlred kI, lake any acUDn Ihall.Bnder dlaelf!S
appropriate. Ally amount lhat Lender expends In 51) doing w~1 bear Inleresl al the rala prov/aecHor In Ihe Note Irom Ihe dale Incurred or,pald by
\.end.erlo fue date-eHa,e~fI'IlUl' by-GfaMof. ~ expensl'A.-aL.l.endai~w\I\ ta) b1l payable. Q.h d9lTl&nd; (b) be t.dl16t1 to th,9 'OI.lanco 01 ttm
Note find bflapDortJoned llIl\ong and be payable with any Installment payments: 10 become due dl.lring either (I) Ihe lerm al any apP,llcabll1lnsuran~
policy or (II) the ran'liining..lerm oUbe_Nole, or (e) be lreated.as a baUoon paymenl which will be dUB and payable ,at tile Nolen maturlly. This
Mortgage also wIIi securo paYmGnl of these .amounts. The rights prov1dad for In Ihl5 P&f8grll9h ,hall be In aodlUon 10 any oUler r1ghlS or any remedies
to whictl~'rmIV bo enliUed Oil account.of Ihe defaulL Anv~blIlendOrsJ1aD nDt"..a-JS~..PlJrlng tile default $0 as 10 bar Lender
!tom any remedy !liat ll--olharwlSe would hava had. GUlnt~bligalioh to l.e(t(ter tor all such expense5 ,sl'laU survlve lh& en\ty of any mortgage
fbreclosUl'8"fudgmant;: ,
WAARAHTYi DEfENSE OF TITL~. The following prOllfslOnS ,alaUng 10 OWf\8ll.hlp Of the Property are 9: pari ot this Mortgage.
TtUa. Granlm w8l'1llonlsJhlll: C/llGmntOf holds aPod and markalabl9 tlllo of fGCord 10 the Properly In lee slmple.'ree and ~fear ~f.aU liens and
encumbnmmn:rttlGl'1ht1l~'~ilt~P."u I~ lJee~rlllrllJ. .,llt4.AV-We..Jrot"';"-'IV9 r 'I"";': -UIIe reporl,.Of final IiUe opInion Issue~ In
'avor of, and a~epl8d by.,\.ender In connecllon with Ihls Morlgl(le, and (b) Grantor has Ihe full righl. powtir, and aUlhor"y 10 ~te and d.eliver
Ihls Mortgage to Lender.
beten86 of nile. Sub~llo lhe excepllon In.the,paragraph above. Grantor warrants and wID fDleVfJr def~d the !ilia 10 the Properly aQslm,1 !he
lawM elalllli mall parson&. ~O'r'llGii..9\s~--qWl""''''"'v11 'f......tl--ffi"''''~_\a orltte\n1ere$l 01 Lend8f \mdat\nls
MOJlgagll Grantor sltall defend the action al Grantor's expanse. Granlor may be Ihe nominal parly In uch proceeding, bul Lender S!'III be
enlllled .c: parliciplll8 in thlJ ProceedInG and 10 txt represented lilllte prcceeGlng by counsel on:.end9T's--9\Yn choICe. al\d (3faJl!or wiD dGllV6f, or
cause to be dellWlrecl. 10 lem:hlrsuctrln5bl""1;I11l~ WI l.ertder'loa&.ll'l"tlll-'llil.~...,,, 1I...e. tG 11."..1.. .....",11 ,,1;101:\ ~articlpalion.
Compllonce Will\. t.AWa. Gr4ntOf wantnb thai lh8 Properly and Grantor's lI$9 of !he ProperlV cOmPues \NRh all exlsUng QC)pllclble laws,
Ol'dlnal'lC68, and regUlaUons of,govemmetllal auI~OtllleS,.lncluGin& wUhoulllmllaUon all applicable environmenlallaws. ordinances, and regUlations,
unlUs cthBnYlse &QecIfIcaDy:.excspJad,in thll environmentalaQteQrnent ~ bV,Grantor and l&nd8r felallng 10 the Properly.
CONDEMNATtON. 1h8 followlnll provlslot\! relaUng 10 conrJemnatlon of the PrOPerlY are a part or this Mortgage.
AppUc:aIiGR 01 Net PrCC96ds-. U all Ql' afW part at ttle Property Is. c~d by emlr\ec\l domaln PfoceedinQ$ or by any praesedInQ or purchase
In lieu or conde:mnatlOJ'l, l(trtder rnav at tis eIeoI/oA.tlllQUII'i "'Ai fl" or ~ pOWon.of,1he net proceeds of JPie award be appUed 10 the lndebtedneu
Dr lhs ,sPlit or te$!otallOn of !he Property. Th9 net proceeds of the award shan mean lhe award ll.fler "l'/ffI9nl of all acIuaI costs. 9XPeJlSGS. and
allon'lsys' fees IncurrBCI by LEJncter In c;onnectlortwlltTth8 .....,.,;R,.......fII,.....
ProceeclInSB. "any p~~ In cqridemnalfOn- j;.:__.~Flltr ll~all pr~JJOWtt.h,&nd. fA ... r'lll".1) A"d Grantor SI'la.IIl?(C~l?tly I&k,8,SUCh
$iepG all may be nscessary to dalind Jlte aalIon and obtaIn the ~ward. Gnlntor .mIW b~ the f!o~lna1 parlY li\ ~h PI'OCEl!'Jdll)9., but I.ander shill ba
llIllll!ad to parllclpale In Ihe proceeding al1d' to' be ,ep~eil!ed In lh8 proceeding by counsel Dills own ChO '. and GranlOl will deliver or cause lo
be delivered 10 Lender Sl.lctrtnslmrDents-as-mqba f~,".I...II.IJtlrarrrtttnB:ta::Ilnm:1D: Ion.
IMPOSITION OF TAXESi FEES AND CHARBfS BY GOVERNMENTAL AUTHORITIES. The 1000gwlnIJ prOvllil S relaling to governrnenlallaxes. fees
and chat;es are a par\ 01 nus MorIgage:
CUl1t", Tues, Jiees amt CJ11U'gD. Upon requesl by LenClar, Granlot Shal!, _cule such documenls it'I addWon 10 IhI$ Mortgage 8IId lake
whatever other acllon Is requesf8dbV.teru:ler '" p.......~r ......I .......t...".. I ........rO'.. II.... n" tho cr"A' """"P~ 13ranlor shall relmbuf'$e under far ail
taxes. at described below, 10gelfter W1Uug.~ncuned In recorcllng, perlectlng or conflnulnlil this Mortgagellncllldlnlil wilhotJIllmitalion all
lue&,leGli.4clCuIn8nIIryale.mQS,.'PIJ~tr~rGCQ~or~th\s~.
Tore& The foIIDWIng shall oonsUIu1e !axes 10 which IhI5 $8ClIon appllss: (al a SQ9Ci1ic laJt upon this type 01 Mortgage or upon all or anI' pari of
lhe Indeb~.d.n8Ss secured by this Morlgage;.,(b),L&pV1n.. I..... O~ e-..,C".vmIch Gf8fllor.ls .w'^"n.;...... ')" ~recI to cleducl Itom paym&nls on the
lndeb~ness secured by lhls lype of MorlU98;' (C).a.tax en this l$.8 of MartOSG!-charoaabl~lhe t.endet Of the holder of the Note; and
(d)a $P8GUlo lax en aU or any portion ol'lhe./ndl>l;.ll>d.._ Cll""ortpGJ'mentuf't<'.ltl,*,~ .....1 1,,1\......1 II....... ~~-aranlot.
Subeequent T_So tI any talC 10 which thI$-secuon.apptles,.IS-enaotecl-BUbs8QUaAlIO'I~~lgage. 1m evenl shaU have Ihe same
elleel as an Event of Defaull (li$ defined betQW)..and Lendar mlW.exarclaa.an1 or.alLot :':1I~~:I; "".., for an Evenl of Defaull as provided
below unless Grenlor ellhet (a) pays.the'fmt-b9fo'6 II b._..._ d8IInqImnt,.or.fbt~..".- - ~~~v1deCl above In Ihe Taxft and lol,",
&ecUon and deposits wi!h Lander cash or a sulncJenl corporale surety bom:l or ollter seCUrity salrslaclory 10 ~ender.
SECURITY AGREEMENT; FINANCING STATEMENTS. The folfowln; provisions r,leling 10 this Morla.~ as , seoul'lly agreemenl1ll'8 a pari of IhI5.
MorIgal)8. ,
Secunly A. greemenl. ThIs Instrumenl S.haD COJ:lS.tl.IUle.I.UQWIly.l1Qte8mBnllo.JI'111.6Xfant.any.af.lha.ftopfld,y cOnslitules filtlure3 or other personlll
properly. ancIlend8r shall have aD ollhe rights 01 a secured parly l.Iflder lhe Ul'lllorm CommeJOlBl Code aa ~ended from Ume tl) time.
Secutlly lnleresL Upon requeSI by Lender, GranlOt ~ iXiCule financing &Ialel'nSJ1l$anct lake whakwtlt olher aetiOn" rellUested by lender to
perfect and conllnuelender'& securIty Inlertslln the. Aen&i.'BRd-.Pe/sOnal.ProperIy;- Ip arIdillOft-t&-anlllhi$ MorlgaQ8 in tl'le r&aI properly
records. lender may. al any lime end_wIlboulfw1b8t,,"lOlttn""'tIltOn,from.'Gfanlof..-fUe--~ arls, copies Of ret)roduollons o(lhls
Mor1gage as' II finanQing sl8lomant. Grantor $halt 11lilltmmrt!lmfiirtDi"allexpenses IIiCul'I'Bd"lii periI' 9 Of con1lnulng !his ucutlly interest
Upon de,faull, Gr<<1\tor st\all aSHmble!he Ptt't.onal Ptop6rty in e. maMef e.nd at a place 1~Qfl&,'oly__c-onvent8m to Grantor and I.onder and make 1\
available 10 \.endlK wlthln'lh~e (3) days '1IlernlCSipt 01 wrlllen dema~ from lendar.
Addr",'" The mailing addresses of Granlor'(d&bflntIl1ttl:eni1Df (Hcured.parly'," ftOli1 wliICb rrirormaUon concerning tt\e HOW'ny Inlaresl
granted by IhIs Morlgage may be Obl8lnBd (6lClh as reQuired by the Unllorm COll'lmsn::1aI Code), are as.slaled on the ~rsl page ollhiS Mortgage.
FURTHER. AS$tJRANCU~ An0RNE"f41l-FAC!- The-~pw~ItlMl relalpg- lo-- ~ &SSllfll'!IB6 .ai'll! allorney-ll\-fe.ct ant a pari af this
~- , ..,
furlher ASSUJlIQl:es. AI any Urne. and Irom lime 10 IIm~"I:lpOn,.equestol.Lettder..Granlor wIII.~l.Ile and deliver, 01 wUI caUS91D I;re
made, executed 01 dellVeted,lo l.8nder, w:' lo.-l.etldl!ts----desfgMe. aM---wtNm--requesteEJ.'Br-'l::endeF-,gUStl: 10 bt flied, recordltd, rallied or
rerecorded, as the case may ~ at such .tim8s' and In such. omees &lid ple.cu as: Umdw may dum ap[>>cprIa\t, any ana au suen tnQJ\gaQes
deeds of truSI. security .deeds, seeurily agruemenls. f1nanclnQ,Glalel1'lenl$,..~un:Ll.aIInn. stalarn80ts.JnskumentF;. of lurlher essuranc8. cerllflcales:
EUld. other dClCPln.lllIIG IS maV. In the s~ o~an of lenCler, be lI8Ci$ilty or deBlrablo II'! order 10 ~~IJaIt. eomplele, perleCl. conlinue, or
pres~ (II) lite Obl/gall.ons, 0' OrinlOt' und"ir me ~~iAd-Ih8 ~8111lBd Dectlml"ts. (b) lhe liens ana S9C\lflty h1lereSts
craatsd by Ih1s Mortgage as '''1-' and prior liens on the Property. whether now owned or hereafter QcCWIre by Grantor. Unless prOhlblfed by law
or 8QJ'88d 10 lhe contr:ary by Lendeltin wrlrrng, Gfe.ntQr ~nilftekn\)\I$e,Ltfl'OSef fO\' aB coslS,and 9lpent8S fl\Cuned In ean_non WlU'i. the matteB
referred 10 In IlIIs paiagraprr. . '" J
. , , '(
AllorneY-m..F~, II ~AIor !ails 10 d!J sny 01 lhe thfngs referred 10 In lhe pr~d!",g p.ragraph, ~ndgr may dO so for and ,lp' the nama 01
Gr~n,lor and at Gr,!,nlor s exp. Dnse. For St.lCh.p&lrposilS,Gr.nt.... I,..."b, ~,...y~. .1Ip1!~. ".18, ~.e'.I'!!18r as~lor's atlorney-in_hwf for lhe PUrpose
of making, ex~mg.'~9.--fIIIng,..~~deiflt-en.,olhef-~-as--rnar.-bflc-~ asirable.1n llmder's $QIQ opinilm, ta
accomplish the matters referrud to't"'Ih& preCedit\9 paragraph.
fULL PERFORMANCE. If Granier pays'aH'lhe Indtobltod"...... .vherT ituv.-trmfottT8rWlS8 performa alflhe obUgaJ'.lmpOS9d upon Grantor under lhis
Morigage, l.ander shan 8X8CUIe 1Ind-4eIlliw-IQ-GllAtef.a-sullabIe-satlslaction-oHhfs-MIlrtQa.Q8-amr-Stllllll:M:~$ at JermlnaOoa 1)1 any,lInano/ng
tll4lemanl QA Ote ev{dencing lenoer's securlly I!'Ileresl In Ih. FJenfs IInd Ihe.1'ersonal Property. GnlnlQr WIll pay, If petmilled by 8J'pllc:abfe law any
re.asonab" termln&tl0n -. 6S ~n,inad by \.1mtlw Irorn lima \0 1Ima. . ,.,. , . .
DEPAutT. Each at the fOllOWing. al..tbe-opIion.of.l.encIs, ~teAlllihll8 ilft a.8. ,I r.l ~..h...1l ("'f.....,1 ~Qela~r') under Ihls Mortgage:
Def.@llll on 1flGebtednou. FaUure of Granlor 10, make atiy payment when due on ths 1':r~e~le!1n,8SS. ,BOOk 1432 PAGE1000
Derautl on Olher Paymenls. Failure 01 GnlrIfor w.thln the nlna reql.lfred by U\I$ MQt'~ to ~t..attt oaymen\ 'Iol' tax.es 01' InS\ltance, or any
olherpaym8ntna.r:esHrYlopreventr,qngOIOrrofllfscl.dl5C~~ . :..1.
~vll'Oflmentat De'.ull. FaOuro 01 any party to 'COrtlplf wllh or perform when due any tem'l, obligaUon. COYBl\8nl Of coru:1ff1on conlalned In any
envll'Onmsnlalagre9menlexecliledln~..llflll,6P''''lo'1VlJo " J
CompJJma:e Qefaull. FIllIlK(l 01 Grant0110 CO~IV wHh any oltler term, obUgaUCn. c~l\M-t Ql' COl\4'l\IO,,; ~0f\\ain9d In 1}"IIs MOrIgagf) 1\'\e Nole or In
any ollhe Relaled Oocurn8nls.' ' ' , , ,
Delallll In Favar ot ThIrd" PI1mtS. ShourCf. Grantor ~IInEler "fl, ItIll.., 8ltIeMlCII't or avatt'-StetJriltagreemenl purchase OJ sales 8gt88menl
or any othar alJl"eertlftnt, In 'avor of any olner Cl'eOilor Dr person thai fl1iIY matarlany affecl any ~I Granlor's properly 'ar Grantor's ablllly lo,repay:~.
"
,"',,<
~..zWli;-
"
il:!<;.....
~,,-
.>C,
7" ., "0' ,~
(l(-(~b-~lb~ ~H ~JHlc ~HNK U~~HI
5JId J-'1d4
JAN 24 '01 15:39
PageS
02-13--1998
. loim No 63??oo20 '
MORTGAGE
(Continued)
" '
MISCELLANEOUS PROVISIONS. The fOllowing ml$collBneOus provisions ate a part ofthli Mortgage:
Amendments. This MorlgaQ6. IOQQther with an1, Rela~:~menlS",S!QnslltutlilS ~ enllre undersland!ng and agreemitnt ollhe parfte& as 10 lhe
milller~ $e1 forth In this Mori9lel. Na alletallQl1 of or amentlmenllO' thl$ Mortge.ge,shell be effecllw u~,ess given In wrlUng and signed ~y Ihe
patly' or parties sougl1110 be cl'lerged or bound by the ~1et.Uon !)l' amendment, .
Annual Repolls. II th"Property III \,l$Sd lor lJurpOGw olher thatl GrenlAl''G re;ld&nce. GranlQr shalllurnlsh 10 l.endUf'. uplm reql,lO$l, a c&fUlled
$~temenl 01 riel aparatiOi InctIItlII rsoedved kom the P~ty.durln\1 Gfanlor'.,. prevltIUS rlJlcsl year In such torm and. delah as Lender shall require,
~Nel operallng IncomeQ shall mean ell cash receipts from lhe Propilrly tn, all Dash expenditures made In connecUOI'l wilh the optf8lWn of the
Propelly_
Appltcatlre Lew. Tl'Ils Mortgage has been dellver-ed 1Q1 totl'tftf--Mf._lKOPfed.by.-Lendet.ln,.IIifI'.COlPmOlWlHllh of penntylVanla. TIlls
Mo,t9lp9!!1, shall be g,OVetJ'led by and construed In accordBJ1ae wtlh 1h. iIW' 01 the COtMIonweallh of Pennsylvania.
CapIIon-H~.otl"g" ,CapUon_headlng:dn IhIt.MOJ'lgeQfl are!1)t convenl9nce purpo&eG only and are nolle he used to Inlsfpl6t or define ItII!1
provisions 01 thIs'Mortgage.
Merget. - ThefB-shal~_no'm&lQlII" allhe.ln~1ate. orGiled by ltlll Mortgage w\lh any other Interesl or elate In the Properly al any Ume
h91d.bY-Ot- fOt--'h9 1:1......1;1 I'll Lendet.ln anV.,capa,d\V...WiIbt!llhe wrlllert QOnsefll otlend&/'.
MU1'Ilple 'PIIf\\es. All o'oUga'tltlns of Gran\Qf \l)\de1 \hit M~ ,l'IftII tie joint aM ~. and a\l TNOOC9S io Gnlrnot shall mean ftCh ar.d
every Grantor. Thi&rneans ltialoacn 01 Ule P9l'SDnf~ Is TosPQrtSlbIa (Of 11II obllgsUons In Ihls'1Igage.
severablllty. If a courl,of.compsHInt lurlsdlcllon flfld&..8flfi>>&vlslon of,th1s ,Morlgag8JO..be.111llB.If.lr unenforceable as 10 any person Of
tircurn!llanCl!l, such finding shall nol render thai provision It will/a Of. unenforj:eable 1$ to any other perSOIlS ckwmslancas. If feasible. any sucf1
onencflll9 prOlll$1on shall be d8i1ri18d to ,be ft'lodl11GCI1o Cnrwill\ln lht.llmIIG or vnfort:B8bll'dy or validity; i10W8Y\1f, If the olfendlng provision cannal be
$0' mOdlf\9d;'lt.shaltb8"8b1cken-RnCtall-vtl.", ,,_QJI~',o.... !O'I \1.1$ Mor\;ap-\ltall-~er lllspee\s strDII '~d and entmt:eable,
SucCQGOre &Uld AsIlgJ1s. Sub)ecllo thO ~mIlanons Iltated In IhlS'MOrtQuIJ8 on trimsfer of Grantor's Int8re~l, this MotJsage shaD be billl:t1ng upoll
and Inure 10 Ihe beneIIl ollhs parlles-..lhelH1elfGrpeJSenal--r&p<e1l8fll81l>!8Ii. t."'.......~~.f AIId assigns. If ownership 011he Proper1y becomes ,,"led
In B person.-O\h8l'-IhaA--~,~,wllh...", .....11.....lo-GtanIor..,mav..d8alwllh.GtanI~li..IiUCC8SlQI':s..with refetence 10 thts MorlBGQ6Snd lhe
IndBbl8dness by way 01 forbearance or exlilnsion wittront-/WIQsfng'"Gr<<ntor'tn:mr-1tnr 'Obllgallons'eflhis Moregago or llab1llty und&t the
lndebledness. .;
Time I. of Ihe. E&se.nclIII. Timals. 01 tI1ussDn~..ln"" performance of ~ls Mprlgage.
Waiver. and Conums. Lender shaU not be deemed to hev8 waived any r1gh~ under lhls MorlgaQ8 (or Under Ih8 ReIaI6d Documelll&) un/eSS
such waNer lain wrlllng and signed by l.efIder.. No-deIav Gt-oml&slon-en~r..oJ.l.8Rd8: In.~y "ghl nO operate it; a waiver 01
'Ouch rtghl or any othet,rigtUr, ",~lr?-Qtl'I.pad.y..Ql.e..prQldslan..olthl~JlltItlgllg'" "'~Ml~ I. 1l8I" 01' or Preludloe: the pcuty'~ (lgttt
otherwLSe to demand strlcl eompl.,nca wtlh-that1'1011lli1u.. UI::t uti.", ",."ya.I..... .~watlrd. :, nor any course or dElating between
Lender and Gfanlcr. shall consOlule II waiver of apy 01 Len rights Of eny of Grantor's obP~aIIons u'lo any fulure transacllcms. WhMevef'
COllSent by lender Is r8qulmd In Utl& Mm-lQaga, the QW'lllng m suc.b.~..bv.l.sndatJnJUl.)l.~ nol consUlute continuing consenllo
5UbsequeqllPstances .wbere-.sucA.consanr.u -l'8qWrar;t:.. .
!;ACH GRAftTOR ACKNOWLEDGeS HAVtHG-ReAD:-At.t.l'HItI!RDItlSIQHI OF"TtQ-MCmCAGr=.. AND EACH GRANTOR AGREES TO ITS
It::RMS. ':0/'
,
THIS MORTGAGE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNEt;J.
GRANTOR:
.iiliii:a " ...Ai
ROrtllfCl B. CI~I"g" .
r'-'-
;, lli~l~!!
X~li!;"!
Nancy iL CDp ger '.,
. . ,.
,l'.l,l,N
x
WllneG
\
x
Wltne"
CERTlFlC'ATE OF RESIDENCE
I hereb~ cerllfy. lhallh& precise address oItba~. PENNBYLV:~IA STAYE BANIC, he'ein il as follows:
1 North HaltOYer Slroel, carlisle, PA 17013
. cl"", 1Iat~
AU_YClrAgeolllorMortvagol
"
800!1132 FAGE1002
,,:J..,)'~",
, ,~' : ,_~, ,,J i' ...1-
',,-
.' ' ,~'
, '
PENNSYLVANIA STATE BANK, : IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO. 2001-00607
: CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
PRAECIPE
To the Prothonotary:
Please reinstate the Complaint in the above-captioned matter.
Nicholas & Foreman, P.C.
{I)
I /
1/
n
I'
if I
[lJ
e D. Foreman, Esquire
Attorney ID 21193
4409 North Front Street
Harrisburg, P A 1711 0
(717) 236-9391
By:
Attorneys for Plaintiff
. I
,
=C~ ,_
^ -c11~'
.
"
,
'..
PENNSYLVANIA STATE BANK,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYL VANIA
v.
: NO.
: CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set
forth in the following pages, you must take action within twenty (20) days after this Complaint
and Notice are served, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so, the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any money claimed in the Complaint
or for any other claim or relief requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
(717) 249-3166
By
BRU D. FO
4409 North Front Street
Harrisburg, PA 17110
(717) 236-9391
ID #21193
Attorneys for Plaintiff
,
~,I, ' -
~ ~ ..........
-"=d',
PENNSYLVANIA STATE BANK,
Plaintiff
v.
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO.
CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
NOTICIA
Le han demandado a usted en la corte. Si usted qui ere defenderse de estas demandas
expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de
la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por
abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en
contra de su personal. Sea avisado que si usted no se defiende, la corte tomara medidas y puede
entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es
pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDATAMENTE. SI NO THIENE
ABOGADO 0 SI NO TIENNE EL DINERO SUFICIENTE DE PAGAR TAL SERVIClo,
VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE
ENCUENTRA ESCRlTA ABAJO PARA AVERlGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
(717) 249-3166
By
BRUCE D. FOREM~
4409 North Front Street
Harrisburg, P A 1711 0
(717) 236-9391
ID #21193
Attorneys for Plaintiff
~1ll1
"'~
,0.
, , -~-""-:',.:.
PENNSYL VANIA STATE BANK,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
CIVIL ACTION - LAW
RONALD B. CLIPPINGER and
NANCY K. CLIPPINGER,
Defendants
: IN MORTGAGE FORECLOSURE
COMPLAINT
AND NOW, comes the above-named Plaintiff, PENNSYLVANIA STATE BANK, by its
attorneys, NICHOLAS & FOREMAN, and brings this action in Mortgage Foreclosure and
assigns the following reasons therefore:
1. The Plaintiff, PENNSYLVANIA STATE BANK, is organized under the laws of the
Commonwealth of Pennsylvania, with principal offices located at 214 Market Street, Borough of
Camp Hill, Cumberland County, Pennsylvania 171001-0487.
2. The Defendants, RONALD B. CLIPPINGER and NANCY A. CLIPPINGER,
husband and wife, are adult individuals, residing at 351 West North Street, Carlisle, County of
Cumberland, Pennsylvania 17013-2220.
3. Defendants are the owners of a commercial property located 802 Pitt Street,
Borough of Carlisle, Cumberland County, Pennsylvania, more fully described in Exhibit "A"
attached hereto and made a part hereof; Defendants having obtained said property by deed from
John S. Detrick and Denise A Detrick, dated the day of
19_ and recorded the _ day of , 19 , in the Office of the Recorder
of Deeds of Cumberland County in Deed Book , Page , which document is
incorporated herein by reference.
4. By Mortgage in the original amount of $123,000.00, dated the 13th day of February,
1998, and recorded the 20th day of February, 1998, in the Office of the Recorder of Deeds of
Cumberland County in Mortgage Book 1432, at Page 998, Defendants obligated them to make
certain payments to Plaintiff. A true and correct copy of the said Mortgage is attached hereto,
labeled Exhibit "B" and made a part hereof.
5. The said Mortgage from Defendants to Plaintiff has never been assigned,
6. The Defendants are the sole owners of the aforesaid premises,
7, Defendants have defaulted in the terms of the Mortgage by failing to make
payments to Plaintiff required despite demand to do so and failing to make payments on the first
mortgage on the property.
~~" -'...-
.I,
-,' "
,.,,' ~.,"l.
8. Under the terms of the said Mortgage, in the event of such default, Plaintiff may, at
its option, and hereby does, demand and require immediate payment of all amounts due under
the Mortgage.
9. Under the terms of the said Mortgage, in addition to payments of principal and
interest, Plaintiff is entitled to reasonable fees and costs incurred in collection.
10. No Notice .of Intent to Foreclose is required from Plaintiff to Defendants in the
aforesaid loan is a Commercial Mortgage and not a Residential Mortgage.
11. The balance due under the said Mortgage from Defendants to Plaintiff as of January
19,2001 is in the amount of $106,052.50, together with a per diem payment required, each day
after January 19,2001, in the amount of$26.82188 dollars per day.
12. The attorney's fees due, as of the date of filing hereof, are in the amount of
$4,462.43 plus court costs.
WHEREFORE, Plaintiff demands judgment on the aforesaid Mortgage against
Defendants, jointly and severally, in the amount of $93,710,90, jointly and severally, together
with costs and interest from January 19, 2001, at the rate of $26.82188 per diem and demands
judgment in foreclosure of the property within described.
Respectfully submitted,
NICHOL~~
By: i /?
BRUCE D. F , ESQUIRE
4409 North Front Street
Harrisburg, PA 17110
(717) 236-9391
ID #21193
Attorneys for Plaintiff
""'" ",',= "&
"" -
,
-.-1
-',~~
_I ~;,
\,
VERIFICATION
I verify that the statements made in this Complaint are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to
unsworn falsification to authorities.
Dated:
if,~/or
P -[11M. ikt...
V, \J P",,;,d_"'i
By Pennsylvania State Bank
,~ ~."' ~.~.
I
-~ ~ ill,!.,
.-- --~~ '" -'"".... ....'''~n ....., L..l'~l
..)":'1:::) t"'l:::l~
JHN ~4 '01 15:40
"
ALL thatcertairr lot or piece-of ground-with the imJlrovements.tlu:r~on erected situate in
the Fifth Ward of the Bcrcugh cf Carlisle, Cumberland "County, Pennsylvania, bcunded and
described as fellews:
BEGINNING at an iren pin en the western side cf a nine (9) feet ~ancrete sidewalk an
North Pitt Street at. the-dh,iding line-af Lot No.. 1 efthe hereinafter mentioned Subdivisien Plan
and-lands ncw or formerly cfBenson 1. BarriCK; thence Nerth,78,degreesOO minutes West, a
distance. of 97.GO feet to. a point at the dividing line of Lat No.. 2;_ thence ~cuth 12 degrees 00
minutes West and passing thraugh an iran pin set one (1.00) foot from the nOlihern comer af
Lets I- and 2, a:distmr=o:E-75-;OOfeet-.ta-.an:iron:pin-.on-the:northem:side:of ~ six (6) feet concrete
sidewalk on "D" Street; thence South 78 degrees 00 minutes East, a distance,of 97 feet to. an ircn
pin on the said western side ef a-nine- (9)- feet cencretesidewalk:on-NtJrth Pitt Street; thence
North 12 degrees. 00. minutes East, a distance. of 15.Oll. feeL to. an.. imp, pin, the Place ef
BEGINNING. ..
BEING Let No.. 1 of the Final Sabdivis-ion- Plan- for Jolm- So DetriG~, Denise A. Barrkus
now Detrick and Jaseph M. DeMarino, as recorded in Plan Beck 61, Page 45,
BEING-lhe-same..premises which John S. De!I"ick- andDenise-A-J?etrick, his wife and
Joseph M. DeMarino, granted and conveyed unto. Ronald B. Clippinger and Nancy K.
Clippinger, his wife,. Mortgagors herein,. b.)L deed-dated. ~1998 and recorded in
the Office of the Recorder of Deeds for Cumberland County in Deed Beak , Page
EXHIBIT" A",
'6ouil432 pAGf-1004-
lII''''
~J
. ~
"
,
,1
'^"
'1>
'"KOl Olil.Ji
..r,.,,~ "-'" l~;~
"
RECORDATION REQUESTEP BY:
PENNSYLVANIA STAiElSANK
1 Norl~ Ha.-.over S\:,,'!at
Carllsle,PA 11013
;';,;~::~'i,i ~.,?lrClS:i,
;~: ",lj;;.rJC;? Of DEi::DS
.",~.~:;<i~L,\~lf) COUNr'(~PA
WHEN RECOROEOMAIL TO:
PENNSYLVANIA: STATE !tANK
~'\.u M;.rkfM ~tf'<<lt
P,O, BOX4-i?
Camp tilll, PA 17001-04&1
'98 FEll 20 PI'I 3 02
SENO TAX NOTICES ,0,
R,anlild B. cnp~lnge( :md Nancy K. Clippinger
35~ W. Norlll Street
Cllirllsle,PA 17013
SPACE ABOVE THIS-l.~ IS FOR RECOFlDER'S USE ONLY
MORTGAGE
THI& IS-A pURCIiASE MONE'f MORTQAGlO
11115 MORTGAGE is DAlEO FEBRUARY 13,1991, be""""" R<l""ld 8, Clipping", and Nancy K. CUpplnge',
who$e address Is 351 W. Nortll SIr.el CarUsle, PII- '17013,{,.'erred'lo below a.."llrjtnlor"); and PENNSYLVANIA
STAre BANK, whoae ~s Is 1 North -HBflOvef S\I'Mt,.CarUsle, 'AA ,11013 {f~ to below as "Lender").
GRANT OF MOJtT(lAGE. For V2lIU.b.IO c:onsJdetDfRon, GfanfOt granl$, bargilns; ;se~rf1, "COnveys, '5:itr.nsrer., rel~s. confirms end
morfgagee to tendlH" alt ot Branlm'lr right; lItIei antt"in18r8st-m-and-to--lhe-~liftcribe&-lltltI-~1 . ntll" with a\\ Ulsllng 01 subs~~1y
Graclaa G( aflixOd oUlIdl."II;S Improvements and l!xtute$: !lJI $lrel3ls, Jane" alleys. P.ages, and ways; ill . sf:l1lpnb. rl9111; 01 woy. QlI Ilbarlifr.l,
prlvllege; lensmanlS h~amtAIf,.--foPd..appurlw1ances.lllareunto-beJongIng..Ot,aqY:Wis&.l1lade appwIanlll'll hereafler, and the mverslot1S and
r~l&IlIh ~ ihme1~ wale(..,Watel' rights. wllfefCOUl1es ll,nd dilc~ r~hl$ Ql'IClUdrng.Slock In ~~i= wllh dllch Of Jrt!9aUon rl;hk.): and all
other rlghw, royaftiBII, and proflt$--relallng 10 tmrrat-properly, 1"...I..dl"l:I ,,11l,:'..11,..~~1l..... ,dl minerals, oil, 9 thermal and almUIII" mallen., located
in Cumberland CounIl/,.Cmrlrrulnweallhof.Pen"""llIanla (Ihe "Real Properly"): .
802 N, Pitt Street C..--1I&<9lJfjI>,' Cilmil8rI8." ,COuAIy"lIelUlsyl\ra"'" "'" further deaorlbed in Exhibit
"A" attached her.e.tQ.,anclb.}L1his.reference. made.8 ,pilft..h~eof.
Th.,A.....Property.""i\&-_I$-.ammoniy._1l$-1IOl! N. PIli Street, Carnsie, PA 17013.
Grantor pre-SQnllV asslQns to Lander aU 01 Grantor's rlghl. DUe, and Interest In and 10 i1lleaSN ollhe prOperly' and all Renls !rom l1Ie Property. In
addlUon. Granlor granls 10 l.gnro1;f.a-Uailotm.C.oIMllttdaLCode-securil\l inlerulJn.lhir Persanal Pr~erly ~s.
PEFll'ft1fON$. Thcr10ll0w!l1{fw"",d.. ..1...0 l<<U'lI;lll'lI;l fulfv-..I"Il.-",......,b~ ~I'III" ~MorIgage:' "I'9tms-not""Qlherwlse defined In Ihls Morlgage I;hOII
haY9 lIl9 meanlngs aIlrlbul!ld to sw;h IB1IJ19 In the Uniform CommardBl Cods. All relarences 10 dollar .mounts shaD meart amounl5 In lawful monBY of
\hs United SlBln 01 America. . - .
Gramor. l'he-word""Grantor" means RcmaI6'B: efl"~'1fQ;' ....d.NmlcTI(;. ~ThlrGranlQr ts Ihe mortgagor undSf thiS MOrlgage.
GUlD'anlor. The w<<d "Gullrllnlor~ means and Includes .....Ilhout Ilmllallol\ eaoll and all of Ihe 9UIUll.nto~ $urelin, and lIac;:gmmoda!ion plU1I911ln
corIJ\QCllIonwllttlhelnctebledness. '
Improvemel\ts. .ltIe'word'''Imp~enlS'''means''l11\d-lncll:JdaS"-..ld....., n"d1.slhio,,"'aIhnd5IIhlfand'1lJtur9lmprovemenl8, bulldlng5, 6lruolul'8S,
mobile homes affixed on Ihs Real Properly.lac16Ii8$, additiona, tOQlaoemenls and olher conslJ'ucllon on the-IAul Prop8tty'.
IndlilbleJJne:m. Tns word "Jndllbladl189" means.4 Nole Il'Dm Fldnald B. Clipplngsr a,J1d Nancy K. CDpplng8li daled February ,13, 19C1..8. In addillon
to Ihe Nolo, 1110 wol'd "Indebledn_"1nc11J_.atrQIi1'li~"t.... _"I" "..... lr.;."'tmr..... pfUS. rnletest, lfiure~nlollo Lender. or lll'ly ona or mom
ct '-'lum, art ~If at all claims by l.end8r againSl Gr6n1Ot, ~ any,Ott9 or more ollham. whel"if naw exlsUtIiJ.br heretller .tfaltlg, wtunhur TVIal8d Dr
unrelated 10 !he purpose of tho Note. wheUlef-~',ethllf'll'is&,-wheIftef~. no.' dUe.,'~condnganl, IlquKlalect or IlnllQUldaled
and wh&ther Granlot may be ijable..~or:-JtU.atl\t.wiUt.,01ber&,.-~.~u g"m IherwlSe, an(t whelMl' r8(:overy upon
8uoh lndeblactness mav be "r I1eraall8r 'mo'( ~tMrt~d-bY any slliluli' arlEmifilftins, anti wlieffiGr such lndebledous may t)e IK hereilt4f
may becom8 otherwise u".nlorceablO. . ; . .
lender, Tba..WouL"LSlUJer:" m&allS-FMI\.l$VI\lA~'A.srATE-8ANt(,.,ils-SIl~;(,~9", aAeJ--as&igA&.. ~>Lender is I'" morlQlgee under INs
MorIgaga. '. . ", ' .
Morlgage.. The' wotd "Morlgags" means IhllS'Purch8s1r'Moner.Mortvave:TJ8l~-Gralttor-and-t.errdrlf, and lnc:lude6 wllholll Umilallon QIl
ass1gamenta.~~...I~il"g~"'''ll~~~Ret'It&r :
Purchm Money Mart_e. U any of the debl secured by Ihls SltCurlly Inslrumenlls Ionllo 9Cl'l"ower 10 acquire IlIIe 10 the ReGI Property, lhl$
sec\,lrlly Instrument!ohal\ be a ))\IICM.S& money m~ ijtldel' 42-P..S..SadioR.6'\41~. ,
Nol.. nllt WOTd "Nole- means the ptOlTIIssory-no\frorcr&dlt-8QtQm8I1tdidm:t:f'~13I1998:.. ~tba. Driginal pl'lncipal amount of
$102.000.00 tom I,fln\tlr to \.ender, t~ wIth Q\4 sanew8l'l 01, 'aX~kmJ 0\, mod\IIeat\OI'$ 01, t4tmancInQs m. coMOliOa\iona of. and
aubsUlullOns for the promisllOry na19-or-&gr-eemenl.-'The-malvrily'a8l&-tlfthls'~~"F9bJuary-16..~ '
pe(~~1 Properly, The wordS "Jrlllsonar~p'Q'" ..1r"H,";P_?H' ~"W ~,:,o;t altrlllr .~~ property now or heteafter owned
by _artlor. and now or herellller allac:h&d of BUnted 10 II1e Real Property; loQelhlll' ~Ih all accesstons, parll. and addlUona 10, an replacements of,
and all sUbeUluUons lot, any 0' such-properlt. and logelhtlr with all plOceeas (In,cr~dJng w1lhoul limitation ~lllnswanca procaadS and refunds of
premlU1M)from-aff1~Ol\'IW"dItpas\fum'ot-ll""r''''wCf\t. ,
Propertv. TI19 W6fd "Ptop8l'1Y' meanG coIIecIlveIy ,hB Real Properly and Ihe PQl'SQllal,ProperiY~
ReM Pl'oper1y. Thawotds.!'AeaL!rop8llJt.al9QQ.lh8-~~_Ughls--~~ In Iha ~rant 01 MO,rtgage" SElclion_
.Related DQC!Iments. The words "RalaUld Cocumanla~ mean and InelUd8 wilf1ol.ll limHeUon aU promlssory noles, credit agreelflflnlll. loan
agr81m18nls, enllironmenlal agreacnanl:&, '9I.lantnlle5,'*urilV-~l);~. ,'dnds"of trLJSt;.B:tKt. all olher Inslruments, agrgemen\s and
docUmenl$. whel/18l' now or herealhn' exlsUng,.execuIodJn~~lAe.lpol"~190;4A81i6.. \
Re.""S, 1\'of! wCfd ~" meam. all ~ and Mum renls. rev&nUllS, lneotne: ,13!\lIJ5, rtly&l\les. profits, and olher bsnsllts derived Irom Ihe
Properly. '
I '
THIS MORTGAGE,INClUDING THE ASSIONMENT OF RENTS' Anu lnt: ~c\.UAITY\IHTEREST IN THE RENTS AND PERSONAL PROPERTY,IS
GWEN "TO SECURE 111 PAYMENT OF THE JNDEBTEDNESS AND. (2} PERfORMANcE OF, AW:.. OIJblGll.TIONS OF GRANTOR UNDER THIS
MORTGACiI: AND 'tHE RELATED DOCUMENTS. THIS MOFlTGAGE IS GIVEN ANU A.CCEPtED QH.l'HftFO~LOWIMG TERMS:
PAYMEHT AND PERFORMANCE. Exc&pl as 0lhGlW1sa provided In thlll MorIge,ge. Granlor shalf pay 10 LeFlder all amounls secured by thl$ Mortgage
as IlIey l)8Gomll due. and shaD slrlt:1\y perlotm eII-01-Grltfllol1 obI!;ai/ol1s 1:InCt8titllstiorlgugs.'
POSSESStON AND MAINTENANCe OP Tilt, . ,_. _. .,. GCaDtct w ....... ~flmo;..~ i1f556'sJe,uM"~ Ih& Property sh.11l be governed /:Iy lhe
lollowing proVisions:
P~,AAd,U... UAIII--IR-deI8ti!!-Of tfflIiI-llJ1ldet-~lt$'rtQtIt1a"cullaI:tAtrt~IIS.~vrcre!ffDr,ll1'-.J)lQ AGiltilnmRFlI Df Ranis forM executed
by GranlOlln connection wl1" Ih"8 PrQP9rly. Gf!i!Jllor may reJll!lUl ltl possessIOn <In(! conlr-GI 01 ana operate and m&nllge the Properly and collecl
the Ren19lrom ltle Property.
DUlY 10 Matnlaln.. Gr~IOf shllll mllntain 1M PfQJ)erly in lill1flnte.ble cDndHlon."~~ ~iFJI1I.-repe.lrs, replllCemenls, and rn.lnlenal1ce
neGsss&rylapreservellsvlllue. 6Q1)t'I'fS~"Pi\G[" ~ .,
HaZ1lfdous Sub!lllllncll$. The lerr1'l$. "huardO.llS WUIe.M,~hazsujous.suhsbull:Q,'" ~dI6pO&al"-.""6IH,&&.l' and "lhreatened rllease.~ as used In flll&
MDrfgaij&. shan have the same maar.1ngs as &8llOrth In lhe Comprehensive Envira.nm&rl1Bl, RQ&p.Ol:lSQ, FOmp$l'IUUon, e.ni;l Liabilily Ac:1 01, 1860. QS
..!, EXHIBIT
"
'"
w
~
~-~
<I
"'i.
""*,,,'-- ,""
"
,.,-'- ~['"
~"","""",,,"~,-.;,'
.1.-'"-'0
"\
C2-13~1998
, Lo~" No 63000020
MORTGAGE
(ConUnued)
Page 3
plslln; polley ot lnsillance. ihowlng. (a) \tie. nama ollh& 1rw.\.lI"ijl, tbltrnrms-ltls!J(ea: (~~'*the paller. (d)lh'Q pr~erly Insurad, lhe
1M" clIrrel'll replaeemeni valuo 01 such properly, and lhe tTlAnoer of dalarmlnlng thai valve; ano (8) Ihe explraUon date of the policy. Grenlor
shall, upon request 01 Lendet, have an Independenl appral$e( r~e.n!facIClry 10 l.ender determine the cash value replacement cosl oflh9 Properly.
EXPENDITURES BY LENDER. If Grantor fa~$ to comply wil~',any pro~lstor1'ot'lttls'M6r1gl1ge. orit-any-actIon or proceeding Is CommenC90 lha! would
malerlally alfeCl \.qndlJr', ImereGf$ in 1M Pfopitily. landsf 01i Graiilor's batlalf may, bul GhaU not be requIred to, lake any aellon lhal Lflnder d8Eln]s
appropriate. Any amounllhall.el'loer expends In so doIng will bear IfllelMI a\ \h8- ia\a Pf0'l\t10!j lor In lha Nola lrom.\he dala Incuned or :pald b'i
Lender to Ihs dala--13l'~V-~. AU.SUC:h exPElnses.alLendsL'a.opliQn..wIU (a) bl!l payable Q.n demand, (b) be adCf9d 10 the balan.."9 Qf IhlJ
Nole .end be apportlolled among and be payable wllh Bny Installment paymenl$ 10 become due during either (1)lhe lerm of any apPlicable Insuranc.e
policy or (II) Ihe remaining..lerm 01, Ihe .Nole, or (e) be lreated B$ a baUoon payment which wID be due and payaDJe at lne NOla s matur\\y. 1111$
MortgAge also wlll secure paymonl oIlhese amoLlnls. 1ha rights provIded for In thls j)atagraph $h\lll be In eddlUol'l to any olher rlgllls or al'l)' rvmedlss
to whiCfl.~ may be ertW1ed of! QCCQlml of the default. Anv.~b-l! l.entfer shall nt)tlJe'JW~3Ulurlng the deJaull so aalo bar Lender
lrom any remedy thai II olherwlse wovld nave had. G(a:nICl~bHgalion 10 LellQar lor iill such expenses shell s~rvlve llle solly oll:\ny mortgage
torec/l:lsurlffudgmant:
WARRANTY; DEFEHSE OF TITUi. The 10000wlng p,ovls1ons ralatlr.g 10 OWI'';'''Shlp 01 tl1a ProperlY are a parI 01 this Mortgage.
TIUe. Gramm wW'lanls. Ihal: tal. Gfllnfor holds QPod arid marketable Illle of rOCOl" 10 lha Properly In fee slmp!g, free and clear of an Dens and
encumbrlmt:;m;'Vthllr-than ,"","_.1O'ritlitt~ l' ,peAl dDnA/iI~BA .lrH\~4>>le.MS~raRlill r ".1' ~ report..or linalliUe opini(ln issue~ In
faVor of, and Bcoeplsd bY"LenCler In connection with this MorlgsQe, and (b) Grantor has the lull righi, po r, and aUlhorlly 10 8llecLlla Gnd deliver
ItllS Mortqage to Lender.
Defenae 01 Tille. SubjeOt to lne excepllon In,lhB,paragtaph abovo, Granlor warranl! and wID loreVlilr d~l~d the tille 10 the Properly agaln31 !hi
Iawlul claims 01 all parsn05. Il'llfle e' BAI aAY 1IIlti()JJoGJ.f)f"-r-11pll k ,,,mm9r:r~tl W~~~le or Ihe lnlMst 01 Lem;tar under lhls
Morlgage, Grantor shall defend the aellon at Granlor's expense. Grantor may be !he nominal pai1y III !ueh prooeeiS\ng, bu1l.6nder 5~811 be
8(11J1led I() partQ;:iplll8 in the procaadlnSll.nd 10 be represenled Inlha proceedIng by ccunsel on.end9r'lr-~n choICe. no Grantor WId tl9llV6l", or
CBW.ie to be del/lfered 10 Lend8rsuctrlllStr1JrnenlS"ll$""t.errd8rmar~trvnrll",..lu l!",..I~ ~e-""ll GUotl Rarticlpa,lion.
COmpliance Wllh ~s. Gramor warraJlb lhal lhe Property and G1ranlor's use of lhe Property comPlies wllh aU exlstlng appllcablll laws.
ordInances, and regu"'uons of gOlf6Mmlllntal aUIAoriIles,.lncllldinG- wllhQLlt IImllaUcn all aplJlloable enVlronmenlllllaws. D,,;llnan~s, and mguladons,
urlless ctfierwlstl &PedfiCalJ}l'.uceptart in thl erwirQflm&llhll ag[Gftmenl executed by Granlor and l.endBf r8lallng 10 lite PropetIV.
CONDEMNATION. The 10UowlnQ prOlfls\ons rel8llng 10 condemnatlon of Ihe PropQl1y are a patl of lhis Morlgage.
AppllcaUon 01 Nel Proceeds, If alt or any plUl ollha Properly Is condemned by emlnenl domain proceectinQ$ or by any proceeding or purchase
In lieu of condi:mnallon, lender may- allls eleoslcmtaqUW~ MW poIlhm.ol ,lhO nel prOCeed$ of ffiEl awarct be applled to lhe lnctebledness
Of 'he Te-J)a\t at 1"\'Ol"6\lon '011h0 PrOlleWJ, 1M f'It\ J>>l)C'Q~ at \1\9 awVd "hall mea~ the aware af\er P6'1fMre 01 all e.cluaI ~I$. ~.Il.rn1
allomays' fees IrteUrfacl by lender In connectlOn-wllhth(r ..",.4t........tt.....: .
Proceedlags. II My praceedfl!Q 1ft COridGm,nallan i&:1lIlW."~llf li~alI prowpt'v~l\Olify.l6f1,*..~nd Grantor shall pro~IIV Ia~. ,SUCh
steps 81 may be nBC8SU,y 10 d8tand thellC!llon and ob!al!" the ~ward. Granlor ,may b~!he !lomlnal party -In ~UCh prueeadlng., but I.8nder shab be
enlllleclto parllclpale III ttle proceectlng and 10 be represenleoln the proceeding by counsel of lis own 9~0~, and Granlor will deliver or 9ause 10
bedellveredIoLiltll:ler'S\lClT\nS\mrrI:aTItt"'a-s--lTIQ"tuf,..~!tfrmTrtlmw.tu:llmB::It1~II..i~~WLl.iUll"~lcn.
IMPOSITION OF TAXES, fEES AND CHARGES BV GOVERNMENTAL AutHORITIES. The lollowtng provlslC1ns relAting 10 goverl1Jt1enlallaXe5, fees
and~ Br8 a. part 01 U\Is Marlga.;e:
Cumnl rUes, Feu Md CJurrges,. Upon request by l.ender, Grantot Shal! BUcule slICh documenls Ip addlUon to this MortgaGe and take
whatever other action 18 lequesled.&yJ:end8r I.. "....,"~' "..... ~n~ti".'a I ""..R...., Ii,," n" ..... r:rc..., IT~ 13renlor shall retmburse Lender for all
taxes, as described below,together wllh- alI--~nC(,UT8d iii recording, per-ladIng or continuing this Mortgage, InclUCIlng withoulllmilation aU
taxes, '.. documenlal'-V sllmps,.1I\d. oIIler ,....~tgO:' f~t recOrdlno or registering this Mortgagil.
Tau&. The followIng sllalJ COtlSUlll!e,!axes 10 which !his sEdon applies: (a) a SReciliC Iu; t,lp0f\ this Iypa of Mcrlgage or uptln &II 01 any part 01
the IndebleAness secured by this Morlgage;. (b).fl-.tP~or.w~ G1antgr.ls-"~lllqulred to deduel frO/11 paymElnls on lhe
Indebtedness secUled bV this lype of Mcrlpoe:. (ClAJU on fhls ta1e of MarlQBQe. ChItQ8ab!ulgafrlSlth81l.&rldet Of the holder of the NoIe; end
(d)fI; $peelllt: lax on aU or any portion oNI'ltI.lnd~bl"4,,.._ Of"'Oft'paymoms-ot)o',I._I","" G"d 1,.(<.,..... .......u b,(GrantOt.
Subsequent Taxe.. If any laX 10 wl\lCh lhI$..llGCIIotl.applJe$-lse~uUi.QUanI k1.lhe-daIa--ot.=lI96'lh.is event shall have the Sll,me
el!eclas an Evenl of DeiauII (as ctellned be!ow)..and Lander may.exwdU..any or au.aUIs..;~A:~:I~ "~'1Ied for an Evenl of Detaull as prvvided
below un19SS Grantor ellher (8) pays.hI "'-b9fore-~detInqtnmt,'rJr.tbt..w"I", , OVIded aboVe In the Taxes and lJeM
sscUon and deposits wilh Lander cash or II sufnclenl C(Jrporallt surely bono or olher securlly sallslaelory 10 c.ender,
SECURITY AGREE:MENT; FJNANCING STATEMENTS. The loIIowlllQ proVi5lona r-elallrlg 10 this MOfIQJQ.El as , security agreemenl are I pari of Ihls,
Mortgage. .
SecUrlty Agreement. This lnstrumenl S.haD CO,naUlUJe.a.l5.eCWIlY.aQl&ll.mSJlllaJha.axtanl, any.Q(.lhIlLr?[~ constilules !IKIUr8S or other personal
prop8l'lV. aiU:ll.&tldet shall na~ all of the rlDhI& of a aeclJred party under the UrJllorm CommetClBl Code aa ~ended frem lime 10 Urne,
SeJ)lrrlly IilteresL Upon reque$l by ~der, GrIlf11Ol' WlU execule ftnanclrlg &I118menlS and lake wh81ever olher action is requested by ltlnder to
perfect arld COntinue lender's securllY inlerasJ 11\ ttt&- Rent;..$.Pef$OIW.ProperIV<- In -add/IlOfl-to=.1' ng thiS Mortgage. In the nW prOf?f'ly
t6CO{l:f,~ leOOaf m8.'l. a\ &rtI Ume ami.'Iri\boulfudbsl:.~,.iIom-,~t\lft.~, am, _8$ Of feptoducllons ol1h1s
MOrlgags aS'1I financing s18lerneRf. Gfllnlor ~aH .relmbUrSe.tsnd"lirfOf alrexpenses hieurJed"lii perq,e 9 or COrtPnulng Ihl& securlly InlemsJ,
Upon defll,UII. GtanlOf shall 8S$1mbfe the Pef'Sonal Propsrty in a manrler and at II place reasonablY. convenftlntlo Grenlor and Lendar and make II
available to Lender wllhln l'hr~e (3) cays, alter receipt at wrlllen clema,!d fTOm leJ1der.
AddrlJsse. "The l1llIl11l1g addresses of Gl'al1tl:lr (dlJtJftnT lntf"t'eMuf ~8cure,rperly).. from wlilCh InfOfmaUon COrlcerning ltlll' .seourl!y Jnter851
sraMed by U\W. MO!~ may \)1l; 0'0tal\'\Bd lea1)h fl$ t~ by the lJn\form Cornm&lclal Code). arellS, slaled on 1'f'l& flrs' page oll'his Mortgagll'.
FUA111ER ASSURANCES; ATTORNEY-iN-FACt- tbo-lollowktg:..~__l9--IuFlmH-~aoVl allornay-lrl-Ilclare e p"rt of Ihls
MmIgIQt.' , ..T
furlher Assul1lncea. A1l1ny time. . IIl\C1l(oM lirn& 10 lIme..upon-requnt~.l.;ertder,'Granl(ll' wIII'~iClule end de~ver, or wig caus810 be
made. executed or delMlted. to Lender ot Ia. LeAdatI-daslgnee. 8M, wtllHl- reque&led-' by- ~ ~US& \0 be 1lI9d. recorded. re~, Qf
IlIl1Icorded, as lheJ case may be, 0.1 such 'tlnl9$. anl1 In auen offices aM "Places as: Lender may ds8m approprlale any and all sucn mortgages
deeds or Irusl, security ,deeds~ $fICUJity egreemen19, nnancing.5lalemenl$...e<anllnlWlon slalameDls..Inslrumenls of "urlh8l' llSSumnce, certlllca,ln:
end oiM,r dacurneolG at lTIIY. In the aote <<I~ ot l.ender. be ~ /]I' d9slll.nle I", Ofde\' 10 ~~t&. _lei.. periect, contlnve. or
pressrvs (Q) the obllgalll;llU, of ,Granter undllt me ~lhI$..~QAG.II'l' ~elaleEl Decll. . Ie. II d (b) the "ens and securIty lnlere$1s
crBAl&d by lhls Morlgagtt all I~I and prior liens on the Pro,parly. w"&lher now owned or herull9f acqulreCt by Granlor. Unless prohibited by law
<It agffid \0 lha ~a1)' by l&ndet In 'ffrI\Ii1g:, Glantor shalf ratm'DlllSe, lender for BII cDsls and expenses Incurred In conll9ctlon wll/\ lhe mallel'$
relerred 10 In Ihls paragrap~ . .' J. .
'I
A1!ofReyoolno.Fact. If ~ntor fQ.IIs. 10 do, aWl QI ~ lhbvilS f01erred \0 In the pr9t~ PW":9ra-ph, tend&l may dO SD lOt and I~. \he name 01
GI~Il,IOf fl;lld at Gr~ntDrs expo. nse. For SIJCh. 'pwpOSilS,'erant", l......b, 1!,,,v,,,,",IID1VlIPJlOirl18, r.e.rl~er as ~,nlor's allorney-ln-facllor the pUrpose
of making. executing,. ~1n(J.,fWng,.~ BAd-d&tAg-8fl-.r;Jthef.~ n-may:-bEt~~8Sirable. In Lander't sole oplniofl. 10
accomplish U\e metiers refGTred \0 In l.he preceding pAragraph.
FUll PERFORMANCE. ." Grantor pays.a1l.I"-I~ tflJej-sntt'.OIfTerwIse performs 8lflhe obllqalloc:'S Imposad upOn Gr'anlor under Ihis
Morlgage, lAnder snelt execute llncl.d8Iww"~~il s<ll\e,lJ,la UV,SIl;ttI;(l" ot1h\!;Mor\QBQlrlmcr$Ul1a:tm.s~s. oI1ermlnallOtl ollny IinlInclng ,
$!alemanl on file evidencIng lender's secllrlly Inlereslln lh$ Renb 8nd Ihe ,Personal Properly; Grantor will pay II p8(miUed by applicable law ai1y
reasonable termlnaUon fee liS delermlnsd by Lend9l' 'tom lime 10 lime. . ~ "
DEFAUI. T, Eaen of Ihe 1000000IJ, al.llle.option.of.t.eAOIB, $tl8II-coAsliIllls al\ e..artt 0' 4..fb...1I \..E:....,I ..,lC\elauJrl under lhls Mortgage:
l)et~1 0J1 J~btedneu. Faifu(e Qf Granlor 10 make eny paymenl When due on lhelndeblei;lness. . BClIK 1432 PACE1000
Delaull on Othaf PllYmenls. Fltnt/r8 01 Grllrltor \!fllhln lhe Ume raqvlred by 1111$ MorlQllQ8 10 make any Pj'ymunt lor laxes or InSurance, or any
other paymBnl necessary IlJ prevenl filing of orfoelfecl.dl60hal-ge.d~ '
Envlronmenlal Default. Failure 01 any party 10 comply' wlIh or perform when dUe any 1&I'm. obligaUon. c~V8nanl or conclmon conlalned In any
environmental agreemenl executed In COMeC\lor't-wIltt--t!'te-Properti;: ~
COmp)1ance Default. FlIllure 01 GrlInlOf" 10 eo~ly with any oth9r lerm. obllgallon, covenfl,nt or coOdillon conlalned In Ihls MoOg.gll, the Nole or In
any ollhe Relaled Oocuments... .
Oefault lh:allOt ofThttCS ","au. Should Glan\OT ~~_ IU, leftrr,~tltcrvdlt; !eeorily'agreemenl. purchase or salliS agreament.
or any 0 agreemenl, In favor 01 any oU\8I" creditor or person fhal may materially alleel any of Granlor's properly Dr Grantor's ablllly la repay. the.
,~--* ._~
02,13-1998
" Loan, No 63??oo20
MORTGAGE
(Conllnu.d)
J~~ ~Q '~l l~;j~
Page 5
MlscaLANEOUS PROVISIONS. Tne fOllowing ml&canl1neous provl$lons are a pan oflhlS Mortgage:
Amendments. This Morlgtloa, logelher w11h SIJY- Relal~c!:Q.'!.iW-",enlsl,.~~llIutes the anUra Undetst&ndlt1g and agroomlilOl of Ihe P8rliea as to the-
maller' $$1 forlh In Ihis Mortgaga. No aflerallon of or amendmsnllcl'thl9 MorIga;e sllall be elfecllve unless Qlven In wrIllng and slgr\ElC! by Itle
Pllrly or parU63 soughl 10 be charged or bollnd by Ihe 81~aUon ~ ameMment. .
Annual Reports. If Ihe ,Property Is LJ$Ifd lor p~QSes Qther lhan G(anlqr'G rtsldlnce. GnlnlQr shall lurnlsh 10 LlIf'ldvr, upon rcq\,tl)$l, II cerllRed
e;lalemenl 01 nel opsrating lncoma rseel'o'9(i f(om lhe Property. during Gf'afllQr'-s. previOUS fiscal year In such fO(m \lnd dataU !is lender s~u reqUIre.
wNel opereling Income" shall mean aU cash receipts Irom IhS ProperlV leU all oash expendllurtsS Noe In conrwclJon With the opGtalion oIlhe
Properly,
ApplleaDle lBw. T-nls,Mortgage has been dellvertcJ 'Q ~1fIftf-....wnpr.ed"Dv,leader,ln__ttitI..COmmonwuIUl of PennsylvanIa. This
MoJlg~Uf!i shall bl! governed by anti conslrued In IICcordanet wllh 1hv lAW' of 1he Commonwe8l1h or pennsylvania, .
CaIJUOA-.tte.adiIlDs- Capikm. headlng:s.1n this. Mortgage are lor c:onven/8nca purpow; only and are nel Ie be used 10 InJllfpret or deline l~
plQvI$loosQllhlsM~
Mel9". 'Thefe-stMllH~'&flo.m6l"ger olll\e.ln~tate <<eale" by lhlt Mcrlgago wlltt any olher Inlerest or elale llllhe Properly at any Utr16
hela,bVor: tol:.lbe-banaiiloLLflndat.ln an)t~th~.lhll wrlllen OOOSQflI ollBnder.
MUIllp1e PlUlIes. All obllgaUons of Granlor \Iocler lhl& MotIgaqe shall b, Joint end sevttal, and aU roferoocQ$ 10 Gralllor shall mean sach and
every Granlor. Thi& means llial GAch Of the PfTSOrfS' &lv"l.'!i ~GIoW 'Is TosPOnslbIo lor arIJ Ob"\}8nOns 1n lhls'~rlgage.
SeVer.blllly. JI8 court o',compelenl Jurl5dlellon IIfI8&..Ift)"PJfjIv\5lon (lI,lhIs,Morlgag&"kl..be.lrotalftf~~ unenloreeable as 10 any persall Of
circumstance, such Rnding shall not fender Ihsl pf1lvls1on InvalId orunen'Qfcelble u 10 any olher persons orclfl:tunslances. II feaslble. any such
Offending provl51on shall be deilriMid 10 .bb 'modlfiOl1lo tJa"Will1ln ttre'Dm1t$ grenlorCBatJlfity arVaHdlly;i1OV1'~, If the offending provi$ion cannol be
&0 11l0dlfrlld';'it"5halttJlIf~mntlllhAI,,,,, ,..".1~loil6',*li"liJ'~n-8Il-olflef-~shall remak:l-wJ1d and IInlan:eable.
, SucceUOf8 IIIld AslIgJ1!. SutJJecllo the ~mIlellon$ slated In !hIS Mer. on lransfGl' 0" GranlfJl"s.1nIe1tl51, Jh1s Mortgage shalJ be binding upon
and Inure 10 Ihe benelll 011"11 parlle&,.lhelf-helF$, j1OfSefIaI--l9JIrn n'lIlt '8e, "",_p..n... IilOJQ wWgl\5. 11 O'Nnerllhlp of Ihe Properly bmlomes vesled
1F1 a person.01l'l81= lhan-~, \..eadliIf.- wIIboull1Ollca.lo..Gr.antotp 1Ila1-dBal...wllh. GtantQ(&..~wilh reference 10 t/us MorIQIge and Iht
Ind&bml:i118u b)' wttt 01 for'oeaTanC9 or QX\ensitm witmrurt8lasl'ng"Gtantortn:rm"1mr -obllgaUons"ot-'lhis Morlgagll Dr natJ1ll\y under \he
Indel:ltedn8$S. .:
Time Is tit the. Essence. TlII'HlIs.Qllhtl,ltSSfIl'l~~,ln !he petfOl1'lUlnce ~l ,,,1& Mprlgage.
Waivers and Conae"ls. lander ;haU 001 be deemed kl have waived any rights undat 1h15 MorlQaQ8' (Dr undSf' !he Rel8Jed Documents} ul\le&S
such ~Blve( Is In wrJllngJ~nd signed by LeAdei-.. N&-delav,"~ml&slcmen. ~l-of.L8Adw ltl"execc~nY tight &11aII operate as a waiver QI
SUCh righl Of Bny olhet''J\!ht. A walv8tlijt.anlLpad)lola..prmdslnn.,clIhl&..MQtlQlg!..ahallJIGL=nsIiluJlf a alVer 01 Or prejudice the PllrtV'S nohl
olherwlse to demand slrlCl compliance wllh-lhAtpl'OVlsftJrrarlluJ ,,[ltllll' ."y,II,I",... "Na'ln'formm.e., ll.~ r, nor Bf')' OOUJ$9 o! Gesling between
lender and Granlor, ShIll comlllule a waiver 01 8ny of lander's rights 0( any or Granier's obllgations ..10 any future transacllons. Whetlever
<;onsent by l.9ndBr Is rsqu\red 1111h1s MOI'IQaga, IM;mmt~ .DJ.uh.~~.1...enDat.\n.NQI.~ not tOnsmute con\lnulng consen1 \D
5UbseqU8Qt,~-w~.$l.ICb.alllSlUiUs.l'8qu1t.ad:.:..,
EACH GRANTOR ACKNowt,.!DGES tfAVtmtREAtt"Atr..nte:r.RQf.I,S:lQHS OF'Tttls-MORfekGE-y'ND EACH GRANTQR ACREES TO ITS
TIiRMS., ..,
I I
THIS MOATGAGE HAS BEEIt SIGNED AND SEALED PY THE UNDERSIGNE!;'.
GRANTOR.I
~"
m.' ..,_. " ,a :=
X", , ",.R~U 1
Ron.11I8. C11l?plnger .,
I
d Qvered In the presence 0':
x~~
'r--~
.r.~''''~
x
Wltneas
x
Wllne$1i
CERTIFICATE OF RESIDENCE
I herebl( C6!'lt(y, thallha precise! address. 01 tha moriQaae&. 'EN.H8'fi..V,~1A aT ATE DAme, harein Is as follows:
1 North Hanover st~1 Cl.fll~~. PA 17013 . ,
,.~;,,;,;Ant,,'"
"!I00nOY.Av-n1I<ll'Mlll1;ag.u
BQod 132 PAGEiOO2
..
"
~"'-'-'-"6t,